Home > Connection Bank > Performance and Condition Ratios
Connection 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 | 4.9698% | 2,134 |
| Cost of funding earning assets | 1.7738% | 1,296 |
| Net interest margin | 3.1960% | 2,885 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.2788% | 2,908 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0981% | 1,929 |
| Return on assets (ROA) | 1.0981% | 1,898 |
| Pretax return on assets | 1.1442% | 2,278 |
| Return on Equity (ROE) | 11.3000% | 2,146 |
| Retained earnings to average equity (ytd only) | 4.6216% | 2,747 |
| Net charge-offs to loans | 0.0096% | 2,297 |
| Credit loss provision to net charge-offs | 778.9474% | 491 |
| Earnings coverage of net charge-offs (x) | 150.6053% | 706 |
| Efficiency ratio | 64.4428% | 2,555 |
| Assets per employee ($millions) | 7.6646% | 1,612 |
| Cash dividends to net income (ytd only)* | 59.1146% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 2,656 |
| Loan loss allowance to noncurrent loans | 1,381.6327% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,092 |
| Noncurrent loans to loans | 0.0818% | 3,139 |
| Net loans and leases to total assets | 85.8400% | 166 |
| Net loans and leases to deposits | 103.7286% | 374 |
| Net loans and leases to core deposits | 118.7336% | 663 |
| Total domestic deposits to total assets | 82.7600% | 2,951 |
| Equity capital to assets | 9.6045% | 2,269 |
| Core capital (leverage) ratio | 8.8805% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9229% | 2,608 |
| Memoranda: | ||
| Average total assets | $471,073,800 | 1,794 |
| Average earning assets | $432,295,200 | 1,803 |
| Average equity | $45,763,200 | 1,716 |
| Average total loans | $396,649,600 | 1,483 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7805% | 2,309 |
| Cost of funding earning assets | 1.5606% | 1,453 |
| Net interest margin | 3.2199% | 2,869 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.2278% | 3,002 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2150% | 1,755 |
| Return on assets (ROA) | 1.2150% | 1,742 |
| Pretax return on assets | 1.2660% | 2,128 |
| Return on Equity (ROE) | 12.4700% | 2,010 |
| Retained earnings to average equity (ytd only) | 7.0773% | 2,253 |
| Net charge-offs to loans | 0.0095% | 2,049 |
| Credit loss provision to net charge-offs | 307.1429% | 871 |
| Earnings coverage of net charge-offs (x) | 162.7500% | 696 |
| Efficiency ratio | 62.4041% | 2,673 |
| Assets per employee ($millions) | 7.3222% | 1,744 |
| Cash dividends to net income (ytd only)* | 43.2489% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 2,803 |
| Loan loss allowance to noncurrent loans | 2,578.9773% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 3,432 |
| Noncurrent loans to loans | 0.0431% | 3,453 |
| Net loans and leases to total assets | 84.8200% | 225 |
| Net loans and leases to deposits | 102.5843% | 409 |
| Net loans and leases to core deposits | 119.5450% | 559 |
| Total domestic deposits to total assets | 82.6900% | 3,072 |
| Equity capital to assets | 9.7166% | 1,985 |
| Core capital (leverage) ratio | 9.6524% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2663% | 2,523 |
| Memoranda: | ||
| Average total assets | $468,125,500 | 1,801 |
| Average earning assets | $429,649,250 | 1,807 |
| Average equity | $45,609,750 | 1,704 |
| Average total loans | $390,999,250 | 1,491 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6955% | 2,219 |
| Cost of funding earning assets | 1.4045% | 1,438 |
| Net interest margin | 3.2910% | 2,773 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.2190% | 3,019 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3224% | 1,507 |
| Return on assets (ROA) | 1.3224% | 1,490 |
| Pretax return on assets | 1.3778% | 1,865 |
| Return on Equity (ROE) | 13.5600% | 1,778 |
| Retained earnings to average equity (ytd only) | 8.4189% | 1,842 |
| Net charge-offs to loans | 0.0073% | 1,959 |
| Credit loss provision to net charge-offs | 428.5714% | 705 |
| Earnings coverage of net charge-offs (x) | 233.3571% | 534 |
| Efficiency ratio | 60.4839% | 2,894 |
| Assets per employee ($millions) | 7.1699% | 1,805 |
| Cash dividends to net income (ytd only)* | 37.9142% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 2,719 |
| Loan loss allowance to noncurrent loans | 2,252.2388% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,098 |
| Noncurrent loans to loans | 0.0510% | 3,343 |
| Net loans and leases to total assets | 83.6100% | 297 |
| Net loans and leases to deposits | 101.5924% | 449 |
| Net loans and leases to core deposits | 112.7170% | 722 |
| Total domestic deposits to total assets | 82.3000% | 3,169 |
| Equity capital to assets | 9.8439% | 1,947 |
| Core capital (leverage) ratio | 9.2872% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4098% | 2,501 |
| Memoranda: | ||
| Average total assets | $465,518,667 | 1,809 |
| Average earning assets | $427,346,333 | 1,820 |
| Average equity | $45,397,667 | 1,712 |
| Average total loans | $385,250,333 | 1,497 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 2,426 |
| Cost of funding earning assets | 1.1477% | 1,607 |
| Net interest margin | 3.3027% | 2,869 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.2095% | 3,076 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.2905% | 1,699 |
| Return on assets (ROA) | 1.2905% | 1,675 |
| Pretax return on assets | 1.3446% | 2,038 |
| Return on Equity (ROE) | 13.3000% | 1,930 |
| Retained earnings to average equity (ytd only) | 12.8527% | 1,115 |
| Net charge-offs to loans | 0.0063% | 1,722 |
| Credit loss provision to net charge-offs | 1,000.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 270.6667% | 400 |
| Efficiency ratio | 60.5150% | 2,890 |
| Assets per employee ($millions) | 7.4759% | 1,639 |
| Cash dividends to net income (ytd only)* | 3.3311% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 2,632 |
| Loan loss allowance to noncurrent loans | 1,122.5248% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 2,958 |
| Noncurrent loans to loans | 0.1057% | 3,007 |
| Net loans and leases to total assets | 78.9500% | 647 |
| Net loans and leases to deposits | 95.4795% | 684 |
| Net loans and leases to core deposits | 104.9011% | 882 |
| Total domestic deposits to total assets | 82.6900% | 3,355 |
| Equity capital to assets | 9.5246% | 2,123 |
| Core capital (leverage) ratio | 9.5678% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3698% | 2,611 |
| Memoranda: | ||
| Average total assets | $465,255,000 | 1,837 |
| Average earning assets | $426,922,500 | 1,840 |
| Average equity | $45,158,000 | 1,738 |
| Average total loans | $380,774,500 | 1,521 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9665% | 1,808 |
| Cost of funding earning assets | 0.4654% | 1,614 |
| Net interest margin | 3.5012% | 1,929 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.2583% | 2,867 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.4533% | 997 |
| Return on assets (ROA) | 1.4533% | 956 |
| Pretax return on assets | 1.5142% | 1,410 |
| Return on Equity (ROE) | 14.6000% | 1,366 |
| Retained earnings to average equity (ytd only) | 8.4423% | 1,658 |
| Net charge-offs to loans | 0.0182% | 1,738 |
| Credit loss provision to net charge-offs | 1,526.2295% | 319 |
| Earnings coverage of net charge-offs (x) | 116.6230% | 896 |
| Efficiency ratio | 54.9311% | 3,692 |
| Assets per employee ($millions) | 7.1754% | 1,844 |
| Cash dividends to net income (ytd only)* | 42.1807% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,404 |
| Loan loss allowance to noncurrent loans | 737.8168% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 2,700 |
| Noncurrent loans to loans | 0.1353% | 2,836 |
| Net loans and leases to total assets | 83.0600% | 320 |
| Net loans and leases to deposits | 96.4986% | 609 |
| Net loans and leases to core deposits | 104.3151% | 814 |
| Total domestic deposits to total assets | 86.0700% | 2,702 |
| Equity capital to assets | 9.8982% | 1,759 |
| Core capital (leverage) ratio | 9.8931% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2135% | 2,671 |
| Memoranda: | ||
| Average total assets | $408,321,400 | 2,000 |
| Average earning assets | $368,533,800 | 2,032 |
| Average equity | $40,640,400 | 1,897 |
| Average total loans | $335,096,200 | 1,589 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 1,649 |
| Cost of funding earning assets | 0.3658% | 1,559 |
| Net interest margin | 3.4712% | 1,744 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 2.2067% | 2,912 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.5521% | 737 |
| Return on assets (ROA) | 1.5521% | 720 |
| Pretax return on assets | 1.6172% | 1,077 |
| Return on Equity (ROE) | 15.5700% | 1,064 |
| Retained earnings to average equity (ytd only) | 14.2908% | 432 |
| Net charge-offs to loans | 0.0103% | 1,734 |
| Credit loss provision to net charge-offs | 2,984.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 222.6400% | 586 |
| Efficiency ratio | 52.3841% | 3,976 |
| Assets per employee ($millions) | 6.5875% | 2,246 |
| Cash dividends to net income (ytd only)* | 8.2144% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,501 |
| Loan loss allowance to noncurrent loans | 832.0366% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 2,894 |
| Noncurrent loans to loans | 0.1198% | 3,047 |
| Net loans and leases to total assets | 85.6500% | 144 |
| Net loans and leases to deposits | 96.4674% | 535 |
| Net loans and leases to core deposits | 104.8506% | 619 |
| Total domestic deposits to total assets | 88.7900% | 2,167 |
| Equity capital to assets | 10.7742% | 1,262 |
| Core capital (leverage) ratio | 10.8937% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9414% | 2,495 |
| Memoranda: | ||
| Average total assets | $397,388,750 | 2,050 |
| Average earning assets | $356,872,750 | 2,091 |
| Average equity | $39,614,250 | 1,956 |
| Average total loans | $324,055,500 | 1,619 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6980% | 1,546 |
| Cost of funding earning assets | 0.3493% | 1,266 |
| Net interest margin | 3.3487% | 1,764 |
| Noninterest income to average assets | 1.0911% | 561 |
| Noninterest expense to average assets | 2.7720% | 1,224 |
| Loan and lease loss provision to assets | 0.2260% | 349 |
| Net operating income to assets | 1.0387% | 2,025 |
| Return on assets (ROA) | 1.0387% | 1,995 |
| Pretax return on assets | 1.0824% | 2,475 |
| Return on Equity (ROE) | 10.7331% | 2,077 |
| Retained earnings to average equity (ytd only) | 8.7160% | 1,370 |
| Net charge-offs to loans | 0.0058% | 1,791 |
| Credit loss provision to net charge-offs | 4,888.8889% | 117 |
| Earnings coverage of net charge-offs (x) | 283.0000% | 423 |
| Efficiency ratio | 65.7812% | 2,542 |
| Assets per employee ($millions) | 4.4923% | 4,072 |
| Cash dividends to net income (ytd only)* | 18.7933% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,618 |
| Loan loss allowance to noncurrent loans | 880.5263% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 3,006 |
| Noncurrent loans to loans | 0.1130% | 3,179 |
| Net loans and leases to total assets | 84.2568% | 177 |
| Net loans and leases to deposits | 95.1990% | 463 |
| Net loans and leases to core deposits | 97.1348% | 788 |
| Total domestic deposits to total assets | 88.5060% | 2,382 |
| Equity capital to assets | 10.8793% | 1,269 |
| Core capital (leverage) ratio | 10.2844% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6466% | 2,634 |
| Memoranda: | ||
| Average total assets | $389,318,000 | 2,096 |
| Average earning assets | $347,537,000 | 2,153 |
| Average equity | $37,677,667 | 2,088 |
| Average total loans | $310,489,333 | 1,668 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5262% | 1,721 |
| Cost of funding earning assets | 0.3560% | 1,155 |
| Net interest margin | 3.1702% | 1,972 |
| Noninterest income to average assets | 0.9992% | 677 |
| Noninterest expense to average assets | 2.7811% | 1,197 |
| Loan and lease loss provision to assets | 0.0932% | 886 |
| Net operating income to assets | 0.9174% | 2,213 |
| Return on assets (ROA) | 0.9174% | 2,212 |
| Pretax return on assets | 0.9557% | 2,590 |
| Return on Equity (ROE) | 10.1221% | 1,920 |
| Retained earnings to average equity (ytd only) | 6.3749% | 2,116 |
| Net charge-offs to loans | 0.0108% | 1,366 |
| Credit loss provision to net charge-offs | 1,125.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 126.6250% | 595 |
| Efficiency ratio | 70.3163% | 2,186 |
| Assets per employee ($millions) | 4.6543% | 4,035 |
| Cash dividends to net income (ytd only)* | 37.0203% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,745 |
| Loan loss allowance to noncurrent loans | 999.0000% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 3,264 |
| Noncurrent loans to loans | 0.0999% | 3,342 |
| Net loans and leases to total assets | 76.9578% | 446 |
| Net loans and leases to deposits | 85.1537% | 794 |
| Net loans and leases to core deposits | 86.8853% | 1,084 |
| Total domestic deposits to total assets | 90.3752% | 1,342 |
| Equity capital to assets | 9.0833% | 2,641 |
| Core capital (leverage) ratio | 8.2710% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7253% | 3,067 |
| Memoranda: | ||
| Average total assets | $386,317,000 | 2,113 |
| Average earning assets | $344,959,500 | 2,165 |
| Average equity | $35,012,500 | 2,254 |
| Average total loans | $297,519,000 | 1,713 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 1,277 |
| Cost of funding earning assets | 0.4319% | 1,314 |
| Net interest margin | 3.6038% | 1,458 |
| Noninterest income to average assets | 1.1915% | 746 |
| Noninterest expense to average assets | 3.0786% | 874 |
| Loan and lease loss provision to assets | 0.1278% | 956 |
| Net operating income to assets | 1.1416% | 2,138 |
| Return on assets (ROA) | 1.1513% | 2,163 |
| Pretax return on assets | 1.1995% | 2,664 |
| Return on Equity (ROE) | 12.8571% | 1,503 |
| Retained earnings to average equity (ytd only) | 7.4948% | 1,723 |
| Net charge-offs to loans | 0.0732% | 1,057 |
| Credit loss provision to net charge-offs | 230.7692% | 1,218 |
| Earnings coverage of net charge-offs (x) | 23.7788% | 1,766 |
| Efficiency ratio | 67.9632% | 1,988 |
| Assets per employee ($millions) | 4.5992% | 4,040 |
| Cash dividends to net income (ytd only)* | 41.7071% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 3,791 |
| Loan loss allowance to noncurrent loans | 1,104.1667% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 3,399 |
| Noncurrent loans to loans | 0.0896% | 3,483 |
| Net loans and leases to total assets | 75.5403% | 545 |
| Net loans and leases to deposits | 84.6460% | 873 |
| Net loans and leases to core deposits | 86.3872% | 1,174 |
| Total domestic deposits to total assets | 89.2426% | 1,386 |
| Equity capital to assets | 9.0430% | 3,579 |
| Core capital (leverage) ratio | 8.0261% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8212% | 3,062 |
| Memoranda: | ||
| Average total assets | $375,494,800 | 2,086 |
| Average earning assets | $333,871,400 | 2,168 |
| Average equity | $33,623,400 | 2,348 |
| Average total loans | $284,341,000 | 1,770 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 1,659 |
| Cost of funding earning assets | 0.4534% | 1,327 |
| Net interest margin | 3.4891% | 1,894 |
| Noninterest income to average assets | 1.1942% | 798 |
| Noninterest expense to average assets | 3.0852% | 840 |
| Loan and lease loss provision to assets | 0.1180% | 1,006 |
| Net operating income to assets | 1.0385% | 2,772 |
| Return on assets (ROA) | 1.0515% | 2,790 |
| Pretax return on assets | 1.0955% | 3,205 |
| Return on Equity (ROE) | 11.7732% | 2,128 |
| Retained earnings to average equity (ytd only) | 6.5593% | 2,595 |
| Net charge-offs to loans | 0.0823% | 852 |
| Credit loss provision to net charge-offs | 189.6552% | 1,234 |
| Earnings coverage of net charge-offs (x) | 19.2816% | 1,764 |
| Efficiency ratio | 69.8606% | 1,618 |
| Assets per employee ($millions) | 4.2693% | 4,289 |
| Cash dividends to net income (ytd only)* | 44.2857% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 4,001 |
| Loan loss allowance to noncurrent loans | 541.3926% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 3,196 |
| Noncurrent loans to loans | 0.1759% | 3,247 |
| Net loans and leases to total assets | 77.4965% | 432 |
| Net loans and leases to deposits | 87.1664% | 757 |
| Net loans and leases to core deposits | 88.7665% | 1,110 |
| Total domestic deposits to total assets | 88.9063% | 1,338 |
| Equity capital to assets | 9.1211% | 3,725 |
| Core capital (leverage) ratio | 7.8035% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9846% | 3,092 |
| Memoranda: | ||
| Average total assets | $372,786,000 | 2,118 |
| Average earning assets | $330,240,500 | 2,209 |
| Average equity | $33,295,250 | 2,398 |
| Average total loans | $281,738,750 | 1,819 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 2,355 |
| Cost of funding earning assets | 0.4805% | 1,319 |
| Net interest margin | 3.2124% | 2,720 |
| Noninterest income to average assets | 1.1802% | 824 |
| Noninterest expense to average assets | 3.1742% | 754 |
| Loan and lease loss provision to assets | 0.0645% | 1,751 |
| Net operating income to assets | 0.7512% | 3,638 |
| Return on assets (ROA) | 0.7579% | 3,687 |
| Pretax return on assets | 0.7896% | 3,887 |
| Return on Equity (ROE) | 8.5469% | 3,248 |
| Retained earnings to average equity (ytd only) | 4.7800% | 3,268 |
| Net charge-offs to loans | 0.0072% | 1,872 |
| Credit loss provision to net charge-offs | 1,200.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 157.5000% | 576 |
| Efficiency ratio | 76.6453% | 1,018 |
| Assets per employee ($millions) | 4.0554% | 4,419 |
| Cash dividends to net income (ytd only)* | 44.0738% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 3,966 |
| Loan loss allowance to noncurrent loans | 589.5075% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 3,399 |
| Noncurrent loans to loans | 0.1629% | 3,398 |
| Net loans and leases to total assets | 76.0984% | 587 |
| Net loans and leases to deposits | 85.6422% | 940 |
| Net loans and leases to core deposits | 87.2416% | 1,326 |
| Total domestic deposits to total assets | 88.8562% | 1,357 |
| Equity capital to assets | 8.9628% | 3,826 |
| Core capital (leverage) ratio | 7.4498% | 4,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2183% | 3,067 |
| Memoranda: | ||
| Average total assets | $371,814,333 | 2,109 |
| Average earning assets | $328,854,333 | 2,198 |
| Average equity | $32,971,000 | 2,407 |
| Average total loans | $277,667,000 | 1,845 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 2,565 |
| Cost of funding earning assets | 0.5471% | 1,118 |
| Net interest margin | 3.0770% | 3,068 |
| Noninterest income to average assets | 1.1499% | 925 |
| Noninterest expense to average assets | 3.5121% | 461 |
| Loan and lease loss provision to assets | 0.0647% | 1,847 |
| Net operating income to assets | 0.2705% | 4,559 |
| Return on assets (ROA) | 0.2705% | 4,585 |
| Pretax return on assets | 0.2823% | 4,617 |
| Return on Equity (ROE) | 3.0669% | 4,459 |
| Retained earnings to average equity (ytd only) | -0.8309% | 4,443 |
| Net charge-offs to loans | 0.0205% | 1,331 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,199 |
| Efficiency ratio | 88.6345% | 421 |
| Assets per employee ($millions) | 4.1661% | 4,366 |
| Cash dividends to net income (ytd only)* | 127.0916% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 3,947 |
| Loan loss allowance to noncurrent loans | 532.4752% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 3,374 |
| Noncurrent loans to loans | 0.1831% | 3,448 |
| Net loans and leases to total assets | 73.6672% | 845 |
| Net loans and leases to deposits | 82.8259% | 1,266 |
| Net loans and leases to core deposits | 84.5328% | 1,628 |
| Total domestic deposits to total assets | 88.9423% | 1,370 |
| Equity capital to assets | 8.7993% | 3,876 |
| Core capital (leverage) ratio | 7.5636% | 4,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3708% | 3,031 |
| Memoranda: | ||
| Average total assets | $371,173,500 | 2,102 |
| Average earning assets | $326,816,500 | 2,191 |
| Average equity | $32,736,500 | 2,409 |
| Average total loans | $273,164,000 | 1,865 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 2,319 |
| Cost of funding earning assets | 0.6080% | 2,253 |
| Net interest margin | 3.5289% | 2,379 |
| Noninterest income to average assets | 1.3468% | 641 |
| Noninterest expense to average assets | 3.0931% | 1,249 |
| Loan and lease loss provision to assets | 0.0905% | 3,233 |
| Net operating income to assets | 1.1983% | 1,562 |
| Return on assets (ROA) | 1.2138% | 1,617 |
| Pretax return on assets | 1.2648% | 2,103 |
| Return on Equity (ROE) | 12.6625% | 1,130 |
| Retained earnings to average equity (ytd only) | 2.8573% | 3,443 |
| Net charge-offs to loans | 0.0352% | 2,346 |
| Credit loss provision to net charge-offs | 326.5957% | 1,649 |
| Earnings coverage of net charge-offs (x) | 48.3191% | 1,233 |
| Efficiency ratio | 67.1257% | 2,344 |
| Assets per employee ($millions) | 4.3714% | 4,040 |
| Cash dividends to net income (ytd only)* | 77.4350% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,951 |
| Loan loss allowance to noncurrent loans | 444.2017% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 3,380 |
| Noncurrent loans to loans | 0.2200% | 3,414 |
| Net loans and leases to total assets | 72.0873% | 1,278 |
| Net loans and leases to deposits | 83.2780% | 1,518 |
| Net loans and leases to core deposits | 85.4700% | 1,912 |
| Total domestic deposits to total assets | 86.5623% | 2,120 |
| Equity capital to assets | 8.8402% | 4,186 |
| Core capital (leverage) ratio | 7.7670% | 4,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4909% | 3,028 |
| Memoranda: | ||
| Average total assets | $339,176,600 | 2,099 |
| Average earning assets | $296,547,400 | 2,205 |
| Average equity | $32,513,200 | 2,356 |
| Average total loans | $266,749,400 | 1,841 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 2,305 |
| Cost of funding earning assets | 0.6299% | 2,431 |
| Net interest margin | 3.6004% | 2,270 |
| Noninterest income to average assets | 1.3096% | 636 |
| Noninterest expense to average assets | 3.1073% | 1,226 |
| Loan and lease loss provision to assets | 0.0782% | 3,340 |
| Net operating income to assets | 1.2171% | 1,587 |
| Return on assets (ROA) | 1.2383% | 1,640 |
| Pretax return on assets | 1.2907% | 2,094 |
| Return on Equity (ROE) | 12.6424% | 1,205 |
| Retained earnings to average equity (ytd only) | 5.8710% | 2,158 |
| Net charge-offs to loans | 0.0456% | 1,969 |
| Credit loss provision to net charge-offs | 213.1868% | 2,059 |
| Earnings coverage of net charge-offs (x) | 36.7473% | 1,424 |
| Efficiency ratio | 67.0524% | 2,307 |
| Assets per employee ($millions) | 3.9864% | 4,320 |
| Cash dividends to net income (ytd only)* | 53.5610% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 4,080 |
| Loan loss allowance to noncurrent loans | 656.2176% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 3,601 |
| Noncurrent loans to loans | 0.1369% | 3,834 |
| Net loans and leases to total assets | 80.5815% | 555 |
| Net loans and leases to deposits | 95.2516% | 820 |
| Net loans and leases to core deposits | 97.7428% | 1,327 |
| Total domestic deposits to total assets | 84.5986% | 2,593 |
| Equity capital to assets | 9.6180% | 3,585 |
| Core capital (leverage) ratio | 8.1517% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0210% | 2,916 |
| Memoranda: | ||
| Average total assets | $331,079,250 | 2,113 |
| Average earning assets | $289,144,000 | 2,222 |
| Average equity | $32,429,750 | 2,347 |
| Average total loans | $265,813,000 | 1,838 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 2,656 |
| Cost of funding earning assets | 0.6455% | 2,726 |
| Net interest margin | 3.5884% | 2,522 |
| Noninterest income to average assets | 1.2829% | 620 |
| Noninterest expense to average assets | 3.1151% | 1,322 |
| Loan and lease loss provision to assets | 0.0773% | 3,329 |
| Net operating income to assets | 1.1771% | 1,702 |
| Return on assets (ROA) | 1.1865% | 1,812 |
| Pretax return on assets | 1.2362% | 2,233 |
| Return on Equity (ROE) | 12.0359% | 1,325 |
| Retained earnings to average equity (ytd only) | 5.6475% | 2,214 |
| Net charge-offs to loans | 0.0699% | 1,552 |
| Credit loss provision to net charge-offs | 138.4615% | 2,186 |
| Earnings coverage of net charge-offs (x) | 23.3407% | 1,602 |
| Efficiency ratio | 67.7177% | 2,277 |
| Assets per employee ($millions) | 3.9004% | 4,394 |
| Cash dividends to net income (ytd only)* | 53.0781% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 4,070 |
| Loan loss allowance to noncurrent loans | 244.0594% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 2,908 |
| Noncurrent loans to loans | 0.3615% | 3,105 |
| Net loans and leases to total assets | 80.6914% | 517 |
| Net loans and leases to deposits | 96.9409% | 729 |
| Net loans and leases to core deposits | 99.7152% | 1,278 |
| Total domestic deposits to total assets | 83.2377% | 3,019 |
| Equity capital to assets | 9.5617% | 3,602 |
| Core capital (leverage) ratio | 8.0736% | 4,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0380% | 2,589 |
| Memoranda: | ||
| Average total assets | $325,832,667 | 2,114 |
| Average earning assets | $284,752,000 | 2,219 |
| Average equity | $32,120,667 | 2,354 |
| Average total loans | $260,415,667 | 1,845 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 2,567 |
| Cost of funding earning assets | 0.6645% | 3,088 |
| Net interest margin | 3.7495% | 2,144 |
| Noninterest income to average assets | 1.3105% | 523 |
| Noninterest expense to average assets | 3.1671% | 1,497 |
| Loan and lease loss provision to assets | 0.1350% | 2,037 |
| Net operating income to assets | 1.1967% | 1,527 |
| Return on assets (ROA) | 1.2159% | 1,577 |
| Pretax return on assets | 1.2739% | 1,950 |
| Return on Equity (ROE) | 12.1367% | 1,069 |
| Retained earnings to average equity (ytd only) | 11.3309% | 513 |
| Net charge-offs to loans | 0.1180% | 995 |
| Credit loss provision to net charge-offs | 144.5946% | 1,603 |
| Earnings coverage of net charge-offs (x) | 14.8784% | 1,583 |
| Efficiency ratio | 66.7497% | 2,852 |
| Assets per employee ($millions) | 3.5338% | 4,452 |
| Cash dividends to net income (ytd only)* | 6.6390% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,820 |
| Loan loss allowance to noncurrent loans | 345.4418% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 3,274 |
| Noncurrent loans to loans | 0.2829% | 3,479 |
| Net loans and leases to total assets | 79.3625% | 772 |
| Net loans and leases to deposits | 96.5335% | 856 |
| Net loans and leases to core deposits | 100.0473% | 1,466 |
| Total domestic deposits to total assets | 82.2124% | 3,357 |
| Equity capital to assets | 10.2062% | 3,604 |
| Core capital (leverage) ratio | 8.7085% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9776% | 3,106 |
| Memoranda: | ||
| Average total assets | $317,131,500 | 2,113 |
| Average earning assets | $274,486,500 | 2,231 |
| Average equity | $31,771,500 | 2,364 |
| Average total loans | $250,910,500 | 1,850 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 3,013 |
| Cost of funding earning assets | 0.7644% | 2,850 |
| Net interest margin | 3.7160% | 2,766 |
| Noninterest income to average assets | 1.3636% | 519 |
| Noninterest expense to average assets | 3.2584% | 1,387 |
| Loan and lease loss provision to assets | 0.1311% | 1,629 |
| Net operating income to assets | 1.2086% | 2,025 |
| Return on assets (ROA) | 1.1927% | 2,183 |
| Pretax return on assets | 1.2492% | 2,672 |
| Return on Equity (ROE) | 11.7708% | 1,594 |
| Retained earnings to average equity (ytd only) | 3.5215% | 3,245 |
| Net charge-offs to loans | 0.0433% | 2,525 |
| Credit loss provision to net charge-offs | 383.6538% | 731 |
| Earnings coverage of net charge-offs (x) | 40.8846% | 1,299 |
| Efficiency ratio | 67.1678% | 2,592 |
| Assets per employee ($millions) | 3.5529% | 4,431 |
| Cash dividends to net income (ytd only)* | 70.0826% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 3,633 |
| Loan loss allowance to noncurrent loans | 392.5687% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 3,583 |
| Noncurrent loans to loans | 0.2478% | 3,562 |
| Net loans and leases to total assets | 77.3488% | 1,189 |
| Net loans and leases to deposits | 87.8923% | 1,862 |
| Net loans and leases to core deposits | 101.4962% | 1,444 |
| Total domestic deposits to total assets | 88.0041% | 1,124 |
| Equity capital to assets | 9.8337% | 4,074 |
| Core capital (leverage) ratio | 8.4063% | 4,889 |
| Tier 1 risk-based capital ratio | 10.4053% | 5,046 |
| Total risk-based capital ratio | 11.3799% | 5,055 |
| Memoranda: | ||
| Average total assets | $304,350,400 | 2,138 |
| Average earning assets | $269,620,800 | 2,211 |
| Average equity | $30,839,000 | 2,344 |
| Average total loans | $240,136,600 | 1,888 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 3,149 |
| Cost of funding earning assets | 0.7723% | 2,859 |
| Net interest margin | 3.6983% | 2,929 |
| Noninterest income to average assets | 1.3817% | 480 |
| Noninterest expense to average assets | 3.2825% | 1,304 |
| Loan and lease loss provision to assets | 0.1597% | 1,177 |
| Net operating income to assets | 1.1808% | 2,264 |
| Return on assets (ROA) | 1.1660% | 2,401 |
| Pretax return on assets | 1.2215% | 2,911 |
| Return on Equity (ROE) | 11.4179% | 1,829 |
| Retained earnings to average equity (ytd only) | 7.8683% | 1,455 |
| Net charge-offs to loans | 0.0555% | 2,036 |
| Credit loss provision to net charge-offs | 363.6364% | 828 |
| Earnings coverage of net charge-offs (x) | 31.7972% | 1,572 |
| Efficiency ratio | 67.3051% | 2,525 |
| Assets per employee ($millions) | 3.4605% | 4,541 |
| Cash dividends to net income (ytd only)* | 31.0884% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 3,741 |
| Loan loss allowance to noncurrent loans | 424.2478% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 3,498 |
| Noncurrent loans to loans | 0.2283% | 3,730 |
| Net loans and leases to total assets | 79.5856% | 904 |
| Net loans and leases to deposits | 91.9234% | 1,444 |
| Net loans and leases to core deposits | 107.6800% | 1,073 |
| Total domestic deposits to total assets | 86.5782% | 1,735 |
| Equity capital to assets | 10.4330% | 3,607 |
| Core capital (leverage) ratio | 8.7800% | 4,791 |
| Tier 1 risk-based capital ratio | 10.7728% | 4,995 |
| Total risk-based capital ratio | 11.7446% | 5,003 |
| Memoranda: | ||
| Average total assets | $300,498,500 | 2,180 |
| Average earning assets | $267,939,000 | 2,240 |
| Average equity | $30,687,750 | 2,368 |
| Average total loans | $237,731,000 | 1,913 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 3,238 |
| Cost of funding earning assets | 0.7394% | 2,949 |
| Net interest margin | 3.6925% | 2,954 |
| Noninterest income to average assets | 1.3517% | 481 |
| Noninterest expense to average assets | 3.3053% | 1,274 |
| Loan and lease loss provision to assets | 0.1725% | 1,050 |
| Net operating income to assets | 1.1123% | 2,477 |
| Return on assets (ROA) | 1.1033% | 2,582 |
| Pretax return on assets | 1.1557% | 3,057 |
| Return on Equity (ROE) | 10.8851% | 2,022 |
| Retained earnings to average equity (ytd only) | 8.8061% | 1,092 |
| Net charge-offs to loans | 0.0307% | 2,243 |
| Credit loss provision to net charge-offs | 713.8889% | 463 |
| Earnings coverage of net charge-offs (x) | 55.3611% | 1,035 |
| Efficiency ratio | 68.3001% | 2,486 |
| Assets per employee ($millions) | 3.3749% | 4,635 |
| Cash dividends to net income (ytd only)* | 19.0998% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,812 |
| Loan loss allowance to noncurrent loans | 412.7846% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 3,493 |
| Noncurrent loans to loans | 0.2334% | 3,708 |
| Net loans and leases to total assets | 78.8942% | 1,060 |
| Net loans and leases to deposits | 90.7521% | 1,662 |
| Net loans and leases to core deposits | 106.8253% | 1,190 |
| Total domestic deposits to total assets | 86.9338% | 1,626 |
| Equity capital to assets | 10.2777% | 3,720 |
| Core capital (leverage) ratio | 8.6740% | 4,864 |
| Tier 1 risk-based capital ratio | 10.6591% | 5,050 |
| Total risk-based capital ratio | 11.6257% | 5,067 |
| Memoranda: | ||
| Average total assets | $298,003,330 | 2,195 |
| Average earning assets | $265,620,670 | 2,264 |
| Average equity | $30,206,330 | 2,391 |
| Average total loans | $234,472,000 | 1,947 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4153% | 3,170 |
| Cost of funding earning assets | 0.7112% | 2,996 |
| Net interest margin | 3.7040% | 2,879 |
| Noninterest income to average assets | 1.3277% | 486 |
| Noninterest expense to average assets | 3.3724% | 1,157 |
| Loan and lease loss provision to assets | 0.1377% | 1,258 |
| Net operating income to assets | 1.0482% | 2,667 |
| Return on assets (ROA) | 1.0482% | 2,707 |
| Pretax return on assets | 1.0973% | 3,159 |
| Return on Equity (ROE) | 10.4176% | 2,186 |
| Retained earnings to average equity (ytd only) | 10.4176% | 939 |
| Net charge-offs to loans | 0.0436% | 1,653 |
| Credit loss provision to net charge-offs | 404.0000% | 688 |
| Earnings coverage of net charge-offs (x) | 36.2400% | 1,217 |
| Efficiency ratio | 70.2367% | 2,299 |
| Assets per employee ($millions) | 3.3571% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 3,938 |
| Loan loss allowance to noncurrent loans | 551.6209% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 3,985 |
| Noncurrent loans to loans | 0.1737% | 3,970 |
| Net loans and leases to total assets | 75.6917% | 1,534 |
| Net loans and leases to deposits | 84.6906% | 2,299 |
| Net loans and leases to core deposits | 99.6501% | 1,653 |
| Total domestic deposits to total assets | 89.3743% | 704 |
| Equity capital to assets | 10.1263% | 3,698 |
| Core capital (leverage) ratio | 8.7194% | 4,852 |
| Tier 1 risk-based capital ratio | 10.8641% | 5,038 |
| Total risk-based capital ratio | 11.8129% | 5,059 |
| Memoranda: | ||
| Average total assets | $293,445,000 | 2,232 |
| Average earning assets | $259,826,500 | 2,317 |
| Average equity | $29,527,000 | 2,435 |
| Average total loans | $229,379,500 | 1,997 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2852% | 3,166 |
| Cost of funding earning assets | 0.5368% | 3,135 |
| Net interest margin | 3.7483% | 2,864 |
| Noninterest income to average assets | 1.4988% | 408 |
| Noninterest expense to average assets | 3.4247% | 1,111 |
| Loan and lease loss provision to assets | 0.1765% | 1,117 |
| Net operating income to assets | 1.1933% | 2,208 |
| Return on assets (ROA) | 1.1633% | 2,332 |
| Pretax return on assets | 1.2182% | 2,820 |
| Return on Equity (ROE) | 11.6725% | 1,835 |
| Retained earnings to average equity (ytd only) | 4.8570% | 2,857 |
| Net charge-offs to loans | 0.0366% | 2,666 |
| Credit loss provision to net charge-offs | 615.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 49.6875% | 1,142 |
| Efficiency ratio | 67.6381% | 2,606 |
| Assets per employee ($millions) | 3.1995% | 4,839 |
| Cash dividends to net income (ytd only)* | 58.3899% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 4,004 |
| Loan loss allowance to noncurrent loans | 267.3342% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 3,460 |
| Noncurrent loans to loans | 0.3507% | 3,286 |
| Net loans and leases to total assets | 79.2681% | 1,056 |
| Net loans and leases to deposits | 88.5708% | 1,982 |
| Net loans and leases to core deposits | 101.9581% | 1,579 |
| Total domestic deposits to total assets | 89.4969% | 662 |
| Equity capital to assets | 9.9942% | 3,687 |
| Core capital (leverage) ratio | 8.1885% | 5,175 |
| Tier 1 risk-based capital ratio | 10.3991% | 5,221 |
| Total risk-based capital ratio | 11.3518% | 5,228 |
| Memoranda: | ||
| Average total assets | $278,685,400 | 2,275 |
| Average earning assets | $249,232,400 | 2,342 |
| Average equity | $27,774,600 | 2,469 |
| Average total loans | $218,430,400 | 2,036 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 3,238 |
| Cost of funding earning assets | 0.4997% | 3,202 |
| Net interest margin | 3.7225% | 2,929 |
| Noninterest income to average assets | 1.4681% | 439 |
| Noninterest expense to average assets | 3.4193% | 1,089 |
| Loan and lease loss provision to assets | 0.1751% | 1,050 |
| Net operating income to assets | 1.1421% | 2,479 |
| Return on assets (ROA) | 1.1338% | 2,533 |
| Pretax return on assets | 1.1872% | 3,040 |
| Return on Equity (ROE) | 11.3848% | 2,025 |
| Retained earnings to average equity (ytd only) | 4.7577% | 3,367 |
| Net charge-offs to loans | 0.0290% | 2,518 |
| Credit loss provision to net charge-offs | 774.4681% | 504 |
| Earnings coverage of net charge-offs (x) | 60.6336% | 1,059 |
| Efficiency ratio | 68.3671% | 2,471 |
| Assets per employee ($millions) | 3.1333% | 4,937 |
| Cash dividends to net income (ytd only)* | 58.2096% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 4,227 |
| Loan loss allowance to noncurrent loans | 363.1673% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 3,933 |
| Noncurrent loans to loans | 0.2506% | 3,791 |
| Net loans and leases to total assets | 79.6821% | 1,068 |
| Net loans and leases to deposits | 88.9127% | 2,033 |
| Net loans and leases to core deposits | 100.8409% | 1,711 |
| Total domestic deposits to total assets | 89.6184% | 631 |
| Equity capital to assets | 9.9972% | 3,649 |
| Core capital (leverage) ratio | 8.2999% | 5,202 |
| Tier 1 risk-based capital ratio | 10.3988% | 5,273 |
| Total risk-based capital ratio | 11.3275% | 5,307 |
| Memoranda: | ||
| Average total assets | $277,168,000 | 2,297 |
| Average earning assets | $247,356,750 | 2,368 |
| Average equity | $27,603,500 | 2,484 |
| Average total loans | $216,074,000 | 2,060 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 3,338 |
| Cost of funding earning assets | 0.4595% | 3,290 |
| Net interest margin | 3.6734% | 3,029 |
| Noninterest income to average assets | 1.4801% | 436 |
| Noninterest expense to average assets | 3.3355% | 1,240 |
| Loan and lease loss provision to assets | 0.1866% | 956 |
| Net operating income to assets | 1.1743% | 2,302 |
| Return on assets (ROA) | 1.1743% | 2,298 |
| Pretax return on assets | 1.2299% | 2,818 |
| Return on Equity (ROE) | 11.8059% | 1,800 |
| Retained earnings to average equity (ytd only) | 7.1461% | 2,004 |
| Net charge-offs to loans | 0.0403% | 2,055 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 45.5581% | 1,201 |
| Efficiency ratio | 67.1485% | 2,790 |
| Assets per employee ($millions) | 3.2362% | 4,896 |
| Cash dividends to net income (ytd only)* | 39.4704% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 4,411 |
| Loan loss allowance to noncurrent loans | 377.0428% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 3,983 |
| Noncurrent loans to loans | 0.2342% | 3,872 |
| Net loans and leases to total assets | 78.1782% | 1,282 |
| Net loans and leases to deposits | 95.1959% | 1,229 |
| Net loans and leases to core deposits | 96.7009% | 1,999 |
| Total domestic deposits to total assets | 82.1235% | 3,676 |
| Equity capital to assets | 10.0245% | 3,601 |
| Core capital (leverage) ratio | 8.2743% | 5,226 |
| Tier 1 risk-based capital ratio | 10.4681% | 5,281 |
| Total risk-based capital ratio | 11.3599% | 5,331 |
| Memoranda: | ||
| Average total assets | $276,601,330 | 2,308 |
| Average earning assets | $246,367,000 | 2,385 |
| Average equity | $27,511,670 | 2,500 |
| Average total loans | $213,349,000 | 2,083 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0012% | 3,602 |
| Cost of funding earning assets | 0.4498% | 3,203 |
| Net interest margin | 3.5513% | 3,338 |
| Noninterest income to average assets | 1.4013% | 475 |
| Noninterest expense to average assets | 3.2624% | 1,424 |
| Loan and lease loss provision to assets | 0.1131% | 1,670 |
| Net operating income to assets | 1.1271% | 2,299 |
| Return on assets (ROA) | 1.1271% | 2,318 |
| Pretax return on assets | 1.1866% | 2,816 |
| Return on Equity (ROE) | 11.3771% | 1,815 |
| Retained earnings to average equity (ytd only) | 6.6916% | 2,417 |
| Net charge-offs to loans | 0.0038% | 2,604 |
| Credit loss provision to net charge-offs | 3,900.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 448.0000% | 145 |
| Efficiency ratio | 68.3307% | 2,780 |
| Assets per employee ($millions) | 3.1421% | 5,051 |
| Cash dividends to net income (ytd only)* | 41.1840% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 4,639 |
| Loan loss allowance to noncurrent loans | 290.6300% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 3,992 |
| Noncurrent loans to loans | 0.2922% | 3,722 |
| Net loans and leases to total assets | 75.1102% | 1,690 |
| Net loans and leases to deposits | 88.7950% | 1,832 |
| Net loans and leases to core deposits | 90.2754% | 2,429 |
| Total domestic deposits to total assets | 84.5883% | 3,079 |
| Equity capital to assets | 9.8056% | 3,789 |
| Core capital (leverage) ratio | 8.2273% | 5,297 |
| Tier 1 risk-based capital ratio | 10.4529% | 5,363 |
| Total risk-based capital ratio | 11.3029% | 5,428 |
| Memoranda: | ||
| Average total assets | $275,747,500 | 2,335 |
| Average earning assets | $245,428,500 | 2,417 |
| Average equity | $27,318,000 | 2,533 |
| Average total loans | $210,266,000 | 2,112 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 3,781 |
| Cost of funding earning assets | 0.3563% | 3,650 |
| Net interest margin | 3.5264% | 3,441 |
| Noninterest income to average assets | 1.6696% | 386 |
| Noninterest expense to average assets | 3.4166% | 1,176 |
| Loan and lease loss provision to assets | 0.2079% | 967 |
| Net operating income to assets | 1.1406% | 1,712 |
| Return on assets (ROA) | 1.1050% | 1,863 |
| Pretax return on assets | 1.1604% | 2,939 |
| Return on Equity (ROE) | 10.6278% | 1,624 |
| Retained earnings to average equity (ytd only) | 2.7661% | 3,656 |
| Net charge-offs to loans | 0.0176% | 3,507 |
| Credit loss provision to net charge-offs | 1,651.5152% | 234 |
| Earnings coverage of net charge-offs (x) | 111.6667% | 600 |
| Efficiency ratio | 67.6871% | 2,957 |
| Assets per employee ($millions) | 3.0892% | 5,135 |
| Cash dividends to net income (ytd only)* | 73.9731% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 4,753 |
| Loan loss allowance to noncurrent loans | 191.9822% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 3,050 |
| Noncurrent loans to loans | 0.4303% | 3,248 |
| Net loans and leases to total assets | 76.1328% | 1,566 |
| Net loans and leases to deposits | 91.3282% | 1,610 |
| Net loans and leases to core deposits | 92.7072% | 2,304 |
| Total domestic deposits to total assets | 83.3618% | 3,439 |
| Equity capital to assets | 10.0110% | 3,693 |
| Core capital (leverage) ratio | 8.2531% | 5,319 |
| Tier 1 risk-based capital ratio | 10.5406% | 5,357 |
| Total risk-based capital ratio | 11.3614% | 5,443 |
| Memoranda: | ||
| Average total assets | $262,161,600 | 2,399 |
| Average earning assets | $234,376,400 | 2,464 |
| Average equity | $27,258,600 | 2,528 |
| Average total loans | $187,042,800 | 2,268 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8660% | 3,778 |
| Cost of funding earning assets | 0.3360% | 3,810 |
| Net interest margin | 3.5300% | 3,389 |
| Noninterest income to average assets | 1.6950% | 396 |
| Noninterest expense to average assets | 3.3556% | 1,235 |
| Loan and lease loss provision to assets | 0.1899% | 1,024 |
| Net operating income to assets | 1.2364% | 1,556 |
| Return on assets (ROA) | 1.2140% | 1,663 |
| Pretax return on assets | 1.2751% | 2,607 |
| Return on Equity (ROE) | 11.5633% | 1,468 |
| Retained earnings to average equity (ytd only) | 6.8598% | 1,769 |
| Net charge-offs to loans | 0.0191% | 3,108 |
| Credit loss provision to net charge-offs | 1,423.0769% | 263 |
| Earnings coverage of net charge-offs (x) | 111.5249% | 649 |
| Efficiency ratio | 66.0909% | 3,193 |
| Assets per employee ($millions) | 3.0209% | 5,247 |
| Cash dividends to net income (ytd only)* | 40.6764% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 4,888 |
| Loan loss allowance to noncurrent loans | 81.6798% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.8629% | 1,994 |
| Noncurrent loans to loans | 0.9813% | 1,964 |
| Net loans and leases to total assets | 72.4421% | 2,193 |
| Net loans and leases to deposits | 87.8735% | 2,082 |
| Net loans and leases to core deposits | 89.2442% | 2,675 |
| Total domestic deposits to total assets | 82.4391% | 3,646 |
| Equity capital to assets | 10.5676% | 3,295 |
| Core capital (leverage) ratio | 8.9931% | 4,747 |
| Tier 1 risk-based capital ratio | 11.3766% | 5,032 |
| Total risk-based capital ratio | 12.1561% | 5,188 |
| Memoranda: | ||
| Average total assets | $259,739,500 | 2,429 |
| Average earning assets | $231,720,750 | 2,497 |
| Average equity | $27,269,500 | 2,548 |
| Average total loans | $181,630,750 | 2,315 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 3,747 |
| Cost of funding earning assets | 0.3356% | 3,742 |
| Net interest margin | 3.5081% | 3,367 |
| Noninterest income to average assets | 1.7229% | 392 |
| Noninterest expense to average assets | 3.3946% | 1,181 |
| Loan and lease loss provision to assets | 0.1552% | 1,291 |
| Net operating income to assets | 1.2486% | 1,446 |
| Return on assets (ROA) | 1.2316% | 1,529 |
| Pretax return on assets | 1.2945% | 2,407 |
| Return on Equity (ROE) | 11.7577% | 1,373 |
| Retained earnings to average equity (ytd only) | 7.0087% | 1,587 |
| Net charge-offs to loans | 0.0192% | 2,862 |
| Credit loss provision to net charge-offs | 1,176.4706% | 343 |
| Earnings coverage of net charge-offs (x) | 111.2353% | 608 |
| Efficiency ratio | 66.9433% | 3,191 |
| Assets per employee ($millions) | 2.8629% | 5,386 |
| Cash dividends to net income (ytd only)* | 40.3907% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 5,020 |
| Loan loss allowance to noncurrent loans | 106.3262% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 3,016 |
| Noncurrent loans to loans | 0.7242% | 2,577 |
| Net loans and leases to total assets | 69.7671% | 2,555 |
| Net loans and leases to deposits | 78.6942% | 3,046 |
| Net loans and leases to core deposits | 79.7762% | 3,439 |
| Total domestic deposits to total assets | 88.6560% | 1,128 |
| Equity capital to assets | 10.7308% | 3,104 |
| Core capital (leverage) ratio | 8.5805% | 5,162 |
| Tier 1 risk-based capital ratio | 11.9331% | 4,675 |
| Total risk-based capital ratio | 12.6848% | 4,895 |
| Memoranda: | ||
| Average total assets | $257,706,000 | 2,459 |
| Average earning assets | $230,606,000 | 2,519 |
| Average equity | $26,995,000 | 2,564 |
| Average total loans | $177,462,330 | 2,364 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8182% | 3,699 |
| Cost of funding earning assets | 0.3385% | 3,654 |
| Net interest margin | 3.4797% | 3,357 |
| Noninterest income to average assets | 1.8329% | 351 |
| Noninterest expense to average assets | 3.4393% | 1,126 |
| Loan and lease loss provision to assets | 0.0931% | 1,981 |
| Net operating income to assets | 1.3561% | 1,099 |
| Return on assets (ROA) | 1.3487% | 1,157 |
| Pretax return on assets | 1.4201% | 1,815 |
| Return on Equity (ROE) | 13.0343% | 993 |
| Retained earnings to average equity (ytd only) | 8.2346% | 1,361 |
| Net charge-offs to loans | 0.0137% | 2,528 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 163.3333% | 332 |
| Efficiency ratio | 66.2078% | 3,465 |
| Assets per employee ($millions) | 2.8406% | 5,462 |
| Cash dividends to net income (ytd only)* | 36.8239% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 5,280 |
| Loan loss allowance to noncurrent loans | 50.4583% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 1,889 |
| Noncurrent loans to loans | 1.4111% | 1,435 |
| Net loans and leases to total assets | 68.2954% | 2,630 |
| Net loans and leases to deposits | 76.5991% | 3,123 |
| Net loans and leases to core deposits | 77.6226% | 3,504 |
| Total domestic deposits to total assets | 89.1596% | 1,072 |
| Equity capital to assets | 10.4582% | 3,226 |
| Core capital (leverage) ratio | 8.4824% | 5,242 |
| Tier 1 risk-based capital ratio | 10.4499% | 5,561 |
| Total risk-based capital ratio | 11.0597% | 5,716 |
| Memoranda: | ||
| Average total assets | $257,729,000 | 2,477 |
| Average earning assets | $231,628,000 | 2,537 |
| Average equity | $26,668,000 | 2,596 |
| Average total loans | $175,615,000 | 2,398 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7179% | 4,160 |
| Cost of funding earning assets | 0.3633% | 3,380 |
| Net interest margin | 3.3546% | 3,983 |
| Noninterest income to average assets | 1.5264% | 516 |
| Noninterest expense to average assets | 3.4400% | 1,276 |
| Loan and lease loss provision to assets | 0.0986% | 2,405 |
| Net operating income to assets | 0.8899% | 2,878 |
| Return on assets (ROA) | 0.8874% | 3,007 |
| Pretax return on assets | 0.9322% | 3,724 |
| Return on Equity (ROE) | 8.7042% | 2,562 |
| Retained earnings to average equity (ytd only) | 2.4141% | 4,148 |
| Net charge-offs to loans | 0.0228% | 3,588 |
| Credit loss provision to net charge-offs | 727.7778% | 495 |
| Earnings coverage of net charge-offs (x) | 76.2778% | 740 |
| Efficiency ratio | 73.3743% | 2,361 |
| Assets per employee ($millions) | 2.8551% | 5,452 |
| Cash dividends to net income (ytd only)* | 72.2646% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6989% | 5,362 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 3,370 |
| Noncurrent loans to loans | 0.6989% | 2,795 |
| Net loans and leases to total assets | 67.0181% | 2,927 |
| Net loans and leases to deposits | 75.2378% | 3,388 |
| Net loans and leases to core deposits | 76.2505% | 3,729 |
| Total domestic deposits to total assets | 89.0750% | 1,080 |
| Equity capital to assets | 10.2358% | 3,461 |
| Core capital (leverage) ratio | 8.2611% | 5,464 |
| Tier 1 risk-based capital ratio | 10.7276% | 5,476 |
| Total risk-based capital ratio | 11.3262% | 5,669 |
| Memoranda: | ||
| Average total assets | $265,727,200 | 2,390 |
| Average earning assets | $233,440,400 | 2,485 |
| Average equity | $27,090,400 | 2,562 |
| Average total loans | $157,587,000 | 2,547 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 4,301 |
| Cost of funding earning assets | 0.3701% | 3,326 |
| Net interest margin | 3.3147% | 4,141 |
| Noninterest income to average assets | 1.4770% | 549 |
| Noninterest expense to average assets | 3.2487% | 1,687 |
| Loan and lease loss provision to assets | 0.0114% | 4,014 |
| Net operating income to assets | 1.0531% | 2,186 |
| Return on assets (ROA) | 1.0545% | 2,305 |
| Pretax return on assets | 1.1108% | 3,183 |
| Return on Equity (ROE) | 10.3537% | 1,914 |
| Retained earnings to average equity (ytd only) | 8.3211% | 1,037 |
| Net charge-offs to loans | 0.0139% | 3,466 |
| Credit loss provision to net charge-offs | 143.7500% | 1,825 |
| Earnings coverage of net charge-offs (x) | 140.7684% | 491 |
| Efficiency ratio | 70.7517% | 2,785 |
| Assets per employee ($millions) | 3.1074% | 5,283 |
| Cash dividends to net income (ytd only)* | 19.6318% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 5,598 |
| Loan loss allowance to noncurrent loans | 90.8509% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 3,793 |
| Noncurrent loans to loans | 0.6679% | 3,025 |
| Net loans and leases to total assets | 60.8680% | 3,759 |
| Net loans and leases to deposits | 68.5725% | 4,101 |
| Net loans and leases to core deposits | 69.6305% | 4,350 |
| Total domestic deposits to total assets | 88.7644% | 1,021 |
| Equity capital to assets | 10.5920% | 3,466 |
| Core capital (leverage) ratio | 8.6580% | 5,207 |
| Tier 1 risk-based capital ratio | 11.3549% | 5,178 |
| Total risk-based capital ratio | 11.8514% | 5,489 |
| Memoranda: | ||
| Average total assets | $267,918,500 | 2,389 |
| Average earning assets | $233,782,000 | 2,492 |
| Average equity | $27,287,500 | 2,568 |
| Average total loans | $153,628,000 | 2,596 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 4,126 |
| Cost of funding earning assets | 0.4719% | 2,353 |
| Net interest margin | 3.2784% | 4,295 |
| Noninterest income to average assets | 1.1051% | 915 |
| Noninterest expense to average assets | 2.9924% | 2,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0084% | 2,355 |
| Return on assets (ROA) | 0.9951% | 2,553 |
| Pretax return on assets | 1.0480% | 3,403 |
| Return on Equity (ROE) | 10.8172% | 1,710 |
| Retained earnings to average equity (ytd only) | 8.5933% | 974 |
| Net charge-offs to loans | 0.0221% | 3,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 76.3000% | 726 |
| Efficiency ratio | 71.8503% | 2,682 |
| Assets per employee ($millions) | 3.2989% | 5,066 |
| Cash dividends to net income (ytd only)* | 20.5594% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 4,120 |
| Loan loss allowance to noncurrent loans | 196.3783% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 4,091 |
| Noncurrent loans to loans | 0.5436% | 3,440 |
| Net loans and leases to total assets | 63.7627% | 3,399 |
| Net loans and leases to deposits | 71.0242% | 3,882 |
| Net loans and leases to core deposits | 72.5795% | 4,122 |
| Total domestic deposits to total assets | 89.7761% | 573 |
| Equity capital to assets | 9.5916% | 4,682 |
| Core capital (leverage) ratio | 9.0353% | 4,786 |
| Tier 1 risk-based capital ratio | 11.0875% | 5,369 |
| Total risk-based capital ratio | 11.9086% | 5,514 |
| Memoranda: | ||
| Average total assets | $143,699,670 | 3,649 |
| Average earning assets | $129,268,670 | 3,707 |
| Average equity | $13,219,670 | 4,121 |
| Average total loans | $90,388,670 | 3,602 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6529% | 4,467 |
| Cost of funding earning assets | 0.4631% | 2,436 |
| Net interest margin | 3.1898% | 4,616 |
| Noninterest income to average assets | 1.1948% | 770 |
| Noninterest expense to average assets | 3.0009% | 2,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0170% | 2,201 |
| Return on assets (ROA) | 1.0012% | 2,390 |
| Pretax return on assets | 1.0538% | 3,263 |
| Return on Equity (ROE) | 11.1158% | 1,559 |
| Retained earnings to average equity (ytd only) | 9.2427% | 1,042 |
| Net charge-offs to loans | 0.0267% | 2,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 739 |
| Efficiency ratio | 71.7391% | 2,835 |
| Assets per employee ($millions) | 3.4483% | 4,886 |
| Cash dividends to net income (ytd only)* | 16.8508% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 4,138 |
| Loan loss allowance to noncurrent loans | 197.9798% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 4,169 |
| Noncurrent loans to loans | 0.5479% | 3,538 |
| Net loans and leases to total assets | 60.2676% | 3,733 |
| Net loans and leases to deposits | 66.4374% | 4,215 |
| Net loans and leases to core deposits | 67.8138% | 4,420 |
| Total domestic deposits to total assets | 90.7133% | 357 |
| Equity capital to assets | 8.9474% | 5,219 |
| Core capital (leverage) ratio | 8.9966% | 4,860 |
| Tier 1 risk-based capital ratio | 11.1688% | 5,417 |
| Total risk-based capital ratio | 12.0176% | 5,531 |
| Memoranda: | ||
| Average total assets | $144,622,500 | 3,659 |
| Average earning assets | $130,417,500 | 3,705 |
| Average equity | $13,026,500 | 4,160 |
| Average total loans | $89,870,000 | 3,623 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7261% | 4,290 |
| Cost of funding earning assets | 0.5359% | 1,878 |
| Net interest margin | 3.1903% | 4,663 |
| Noninterest income to average assets | 0.9806% | 1,230 |
| Noninterest expense to average assets | 2.7884% | 3,282 |
| Loan and lease loss provision to assets | 0.0198% | 4,007 |
| Net operating income to assets | 0.9785% | 2,473 |
| Return on assets (ROA) | 0.9865% | 2,519 |
| Pretax return on assets | 1.0526% | 3,260 |
| Return on Equity (ROE) | 10.8213% | 1,675 |
| Retained earnings to average equity (ytd only) | -4.4865% | 5,889 |
| Net charge-offs to loans | 0.0122% | 4,057 |
| Credit loss provision to net charge-offs | 272.7273% | 1,063 |
| Earnings coverage of net charge-offs (x) | 146.3636% | 429 |
| Efficiency ratio | 70.7547% | 3,102 |
| Assets per employee ($millions) | 3.2783% | 5,180 |
| Cash dividends to net income (ytd only)* | 141.4601% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 4,035 |
| Loan loss allowance to noncurrent loans | 153.8222% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 3,789 |
| Noncurrent loans to loans | 0.7170% | 3,032 |
| Net loans and leases to total assets | 62.7171% | 3,460 |
| Net loans and leases to deposits | 69.4078% | 3,983 |
| Net loans and leases to core deposits | 70.9251% | 4,220 |
| Total domestic deposits to total assets | 90.3602% | 480 |
| Equity capital to assets | 9.0701% | 5,054 |
| Core capital (leverage) ratio | 8.4027% | 5,520 |
| Tier 1 risk-based capital ratio | 11.1113% | 5,464 |
| Total risk-based capital ratio | 11.9736% | 5,575 |
| Memoranda: | ||
| Average total assets | $151,339,200 | 3,549 |
| Average earning assets | $136,226,800 | 3,593 |
| Average equity | $13,796,800 | 4,010 |
| Average total loans | $90,267,600 | 3,584 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 4,448 |
| Cost of funding earning assets | 0.5484% | 1,817 |
| Net interest margin | 3.1420% | 4,838 |
| Noninterest income to average assets | 0.9458% | 1,331 |
| Noninterest expense to average assets | 2.6557% | 3,703 |
| Loan and lease loss provision to assets | 0.0260% | 3,749 |
| Net operating income to assets | 1.0165% | 2,387 |
| Return on assets (ROA) | 1.0229% | 2,451 |
| Pretax return on assets | 1.0948% | 3,251 |
| Return on Equity (ROE) | 11.2077% | 1,626 |
| Retained earnings to average equity (ytd only) | 8.2468% | 1,141 |
| Net charge-offs to loans | 0.0133% | 3,712 |
| Credit loss provision to net charge-offs | 333.3333% | 877 |
| Earnings coverage of net charge-offs (x) | 142.8850% | 481 |
| Efficiency ratio | 68.8189% | 3,405 |
| Assets per employee ($millions) | 3.6699% | 4,490 |
| Cash dividends to net income (ytd only)* | 26.4183% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 4,350 |
| Loan loss allowance to noncurrent loans | 107.7426% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 3,289 |
| Noncurrent loans to loans | 0.9998% | 2,485 |
| Net loans and leases to total assets | 58.8658% | 4,032 |
| Net loans and leases to deposits | 65.3233% | 4,441 |
| Net loans and leases to core deposits | 66.7510% | 4,640 |
| Total domestic deposits to total assets | 90.1146% | 530 |
| Equity capital to assets | 9.3540% | 4,934 |
| Core capital (leverage) ratio | 9.4039% | 4,436 |
| Tier 1 risk-based capital ratio | 12.0271% | 5,068 |
| Total risk-based capital ratio | 12.8648% | 5,244 |
| Memoranda: | ||
| Average total assets | $153,932,000 | 3,540 |
| Average earning assets | $138,338,250 | 3,597 |
| Average equity | $14,049,500 | 4,006 |
| Average total loans | $90,485,250 | 3,612 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7560% | 4,220 |
| Cost of funding earning assets | 0.5862% | 1,514 |
| Net interest margin | 3.1698% | 4,753 |
| Noninterest income to average assets | 0.8982% | 1,447 |
| Noninterest expense to average assets | 2.6374% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0262% | 2,255 |
| Return on assets (ROA) | 1.0347% | 2,323 |
| Pretax return on assets | 1.1166% | 3,105 |
| Return on Equity (ROE) | 11.4313% | 1,547 |
| Retained earnings to average equity (ytd only) | 9.8516% | 693 |
| Net charge-offs to loans | 0.0111% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 170.4000% | 387 |
| Efficiency ratio | 68.7608% | 3,544 |
| Assets per employee ($millions) | 3.4342% | 4,928 |
| Cash dividends to net income (ytd only)* | 13.8191% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 4,476 |
| Loan loss allowance to noncurrent loans | 109.9429% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 3,498 |
| Noncurrent loans to loans | 0.9752% | 2,700 |
| Net loans and leases to total assets | 58.7429% | 4,012 |
| Net loans and leases to deposits | 65.7024% | 4,363 |
| Net loans and leases to core deposits | 66.6737% | 4,601 |
| Total domestic deposits to total assets | 89.4074% | 948 |
| Equity capital to assets | 9.3941% | 4,785 |
| Core capital (leverage) ratio | 8.4748% | 5,556 |
| Tier 1 risk-based capital ratio | 11.3407% | 5,547 |
| Total risk-based capital ratio | 12.1433% | 5,685 |
| Memoranda: | ||
| Average total assets | $153,863,670 | 3,565 |
| Average earning assets | $138,178,670 | 3,632 |
| Average equity | $13,926,670 | 4,054 |
| Average total loans | $90,073,000 | 3,639 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 4,014 |
| Cost of funding earning assets | 0.5805% | 1,579 |
| Net interest margin | 3.2184% | 4,539 |
| Noninterest income to average assets | 0.8529% | 1,554 |
| Noninterest expense to average assets | 2.6101% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0215% | 2,158 |
| Return on assets (ROA) | 1.0332% | 2,258 |
| Pretax return on assets | 1.1414% | 2,899 |
| Return on Equity (ROE) | 11.6295% | 1,448 |
| Retained earnings to average equity (ytd only) | 10.0054% | 927 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1599% | 3,797 |
| Assets per employee ($millions) | 3.5085% | 4,881 |
| Cash dividends to net income (ytd only)* | 13.9651% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 4,614 |
| Loan loss allowance to noncurrent loans | 552.5714% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 5,272 |
| Noncurrent loans to loans | 0.1955% | 5,078 |
| Net loans and leases to total assets | 56.0706% | 4,191 |
| Net loans and leases to deposits | 63.4713% | 4,430 |
| Net loans and leases to core deposits | 64.2456% | 4,673 |
| Total domestic deposits to total assets | 88.3401% | 1,638 |
| Equity capital to assets | 8.8553% | 5,440 |
| Core capital (leverage) ratio | 8.6339% | 5,389 |
| Tier 1 risk-based capital ratio | 11.3399% | 5,636 |
| Total risk-based capital ratio | 12.1690% | 5,769 |
| Memoranda: | ||
| Average total assets | $155,242,500 | 3,570 |
| Average earning assets | $139,201,000 | 3,640 |
| Average equity | $13,792,500 | 4,108 |
| Average total loans | $90,246,500 | 3,640 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 4,274 |
| Cost of funding earning assets | 0.7175% | 1,020 |
| Net interest margin | 3.1451% | 5,082 |
| Noninterest income to average assets | 0.9915% | 1,233 |
| Noninterest expense to average assets | 3.1183% | 2,462 |
| Loan and lease loss provision to assets | 0.1517% | 1,731 |
| Net operating income to assets | 0.4769% | 4,896 |
| Return on assets (ROA) | 0.1452% | 5,930 |
| Pretax return on assets | 0.1733% | 5,910 |
| Return on Equity (ROE) | 1.5894% | 5,868 |
| Retained earnings to average equity (ytd only) | -2.0906% | 6,022 |
| Net charge-offs to loans | 0.2913% | 1,500 |
| Credit loss provision to net charge-offs | 90.2724% | 2,645 |
| Earnings coverage of net charge-offs (x) | 3.8911% | 3,788 |
| Efficiency ratio | 81.6574% | 1,702 |
| Assets per employee ($millions) | 3.2469% | 5,358 |
| Cash dividends to net income (ytd only)* | 231.5315% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 4,751 |
| Loan loss allowance to noncurrent loans | 957.4257% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 5,526 |
| Noncurrent loans to loans | 0.1110% | 5,447 |
| Net loans and leases to total assets | 58.9986% | 3,920 |
| Net loans and leases to deposits | 67.0902% | 4,210 |
| Net loans and leases to core deposits | 68.3005% | 4,472 |
| Total domestic deposits to total assets | 87.9392% | 1,807 |
| Equity capital to assets | 8.9147% | 5,369 |
| Core capital (leverage) ratio | 8.3688% | 5,702 |
| Tier 1 risk-based capital ratio | 11.8387% | 5,468 |
| Total risk-based capital ratio | 12.7292% | 5,594 |
| Memoranda: | ||
| Average total assets | $152,901,800 | 3,584 |
| Average earning assets | $135,193,400 | 3,670 |
| Average equity | $13,967,600 | 4,033 |
| Average total loans | $88,217,400 | 3,669 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 4,227 |
| Cost of funding earning assets | 0.7261% | 1,014 |
| Net interest margin | 3.1592% | 5,092 |
| Noninterest income to average assets | 0.9683% | 1,314 |
| Noninterest expense to average assets | 3.0688% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6520% | 4,210 |
| Return on assets (ROA) | 0.7199% | 3,943 |
| Pretax return on assets | 0.7583% | 4,507 |
| Return on Equity (ROE) | 7.8338% | 3,296 |
| Retained earnings to average equity (ytd only) | 6.2879% | 2,224 |
| Net charge-offs to loans | 0.0381% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 31.5224% | 1,322 |
| Efficiency ratio | 80.7148% | 1,809 |
| Assets per employee ($millions) | 3.1195% | 5,562 |
| Cash dividends to net income (ytd only)* | 19.7338% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 4,799 |
| Loan loss allowance to noncurrent loans | 288.6567% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 5,148 |
| Noncurrent loans to loans | 0.3774% | 4,781 |
| Net loans and leases to total assets | 57.4424% | 4,145 |
| Net loans and leases to deposits | 66.9087% | 4,241 |
| Net loans and leases to core deposits | 67.7738% | 4,530 |
| Total domestic deposits to total assets | 85.8519% | 2,930 |
| Equity capital to assets | 9.4410% | 4,872 |
| Core capital (leverage) ratio | 8.5798% | 5,568 |
| Tier 1 risk-based capital ratio | 12.3309% | 5,276 |
| Total risk-based capital ratio | 13.2358% | 5,413 |
| Memoranda: | ||
| Average total assets | $152,976,750 | 3,615 |
| Average earning assets | $134,966,000 | 3,709 |
| Average equity | $14,058,500 | 4,035 |
| Average total loans | $87,521,750 | 3,720 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8961% | 4,148 |
| Cost of funding earning assets | 0.7250% | 1,050 |
| Net interest margin | 3.1712% | 5,037 |
| Noninterest income to average assets | 0.9306% | 1,392 |
| Noninterest expense to average assets | 3.0206% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6702% | 3,991 |
| Return on assets (ROA) | 0.7136% | 3,860 |
| Pretax return on assets | 0.7515% | 4,450 |
| Return on Equity (ROE) | 7.8368% | 3,192 |
| Retained earnings to average equity (ytd only) | 6.2149% | 2,207 |
| Net charge-offs to loans | 0.0298% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 41.5385% | 1,028 |
| Efficiency ratio | 80.0421% | 2,022 |
| Assets per employee ($millions) | 3.0021% | 5,746 |
| Cash dividends to net income (ytd only)* | 20.6960% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 4,843 |
| Loan loss allowance to noncurrent loans | 627.5641% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 5,188 |
| Noncurrent loans to loans | 0.1775% | 5,482 |
| Net loans and leases to total assets | 55.6621% | 4,331 |
| Net loans and leases to deposits | 64.6468% | 4,425 |
| Net loans and leases to core deposits | 65.4606% | 4,687 |
| Total domestic deposits to total assets | 86.1019% | 2,994 |
| Equity capital to assets | 9.1859% | 5,120 |
| Core capital (leverage) ratio | 8.1582% | 5,972 |
| Tier 1 risk-based capital ratio | 12.1185% | 5,474 |
| Total risk-based capital ratio | 13.0359% | 5,585 |
| Memoranda: | ||
| Average total assets | $153,017,670 | 3,637 |
| Average earning assets | $134,903,330 | 3,729 |
| Average equity | $13,934,330 | 4,055 |
| Average total loans | $87,105,670 | 3,740 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 3,464 |
| Cost of funding earning assets | 0.7299% | 1,077 |
| Net interest margin | 3.3222% | 4,450 |
| Noninterest income to average assets | 0.9163% | 1,344 |
| Noninterest expense to average assets | 3.0685% | 2,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7317% | 3,536 |
| Return on assets (ROA) | 0.7869% | 3,295 |
| Pretax return on assets | 0.8266% | 3,996 |
| Return on Equity (ROE) | 8.6808% | 2,608 |
| Retained earnings to average equity (ytd only) | 6.8747% | 2,102 |
| Net charge-offs to loans | 0.0876% | 2,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 15.3158% | 1,552 |
| Efficiency ratio | 79.0089% | 2,335 |
| Assets per employee ($millions) | 3.0383% | 5,797 |
| Cash dividends to net income (ytd only)* | 20.8054% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 5,038 |
| Loan loss allowance to noncurrent loans | 509.4241% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 5,172 |
| Noncurrent loans to loans | 0.2195% | 5,436 |
| Net loans and leases to total assets | 55.5240% | 4,204 |
| Net loans and leases to deposits | 65.3816% | 4,159 |
| Net loans and leases to core deposits | 65.8601% | 4,496 |
| Total domestic deposits to total assets | 84.9230% | 3,912 |
| Equity capital to assets | 8.9480% | 5,168 |
| Core capital (leverage) ratio | 8.4677% | 5,682 |
| Tier 1 risk-based capital ratio | 12.0118% | 5,638 |
| Total risk-based capital ratio | 12.9306% | 5,767 |
| Memoranda: | ||
| Average total assets | $151,472,500 | 3,685 |
| Average earning assets | $133,163,000 | 3,782 |
| Average equity | $13,731,500 | 4,097 |
| Average total loans | $86,722,500 | 3,781 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7314% | 5,032 |
| Cost of funding earning assets | 0.8789% | 824 |
| Net interest margin | 2.8524% | 5,895 |
| Noninterest income to average assets | 0.9971% | 1,401 |
| Noninterest expense to average assets | 2.9008% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5794% | 4,361 |
| Return on assets (ROA) | 0.6072% | 4,349 |
| Pretax return on assets | 0.6392% | 4,741 |
| Return on Equity (ROE) | 6.6330% | 3,756 |
| Retained earnings to average equity (ytd only) | 2.6940% | 4,321 |
| Net charge-offs to loans | 0.0051% | 5,367 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 228.7500% | 197 |
| Efficiency ratio | 81.5265% | 1,943 |
| Assets per employee ($millions) | 2.8460% | 6,047 |
| Cash dividends to net income (ytd only)* | 59.3853% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 4,924 |
| Loan loss allowance to noncurrent loans | 684.1379% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 5,445 |
| Noncurrent loans to loans | 0.1678% | 5,693 |
| Net loans and leases to total assets | 57.7354% | 4,081 |
| Net loans and leases to deposits | 68.3243% | 3,999 |
| Net loans and leases to core deposits | 68.8495% | 4,414 |
| Total domestic deposits to total assets | 84.5021% | 3,961 |
| Equity capital to assets | 9.1882% | 4,816 |
| Core capital (leverage) ratio | 8.2642% | 5,914 |
| Tier 1 risk-based capital ratio | 12.0097% | 5,609 |
| Total risk-based capital ratio | 12.9650% | 5,728 |
| Memoranda: | ||
| Average total assets | $150,029,400 | 3,703 |
| Average earning assets | $132,203,800 | 3,794 |
| Average equity | $13,734,400 | 4,117 |
| Average total loans | $78,773,800 | 3,976 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 5,307 |
| Cost of funding earning assets | 0.8940% | 836 |
| Net interest margin | 2.7533% | 6,088 |
| Noninterest income to average assets | 0.9627% | 1,571 |
| Noninterest expense to average assets | 2.8324% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5323% | 4,656 |
| Return on assets (ROA) | 0.5668% | 4,643 |
| Pretax return on assets | 0.5970% | 5,018 |
| Return on Equity (ROE) | 6.1976% | 4,080 |
| Retained earnings to average equity (ytd only) | 1.5397% | 5,364 |
| Net charge-offs to loans | 0.0312% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 35.1658% | 1,098 |
| Efficiency ratio | 82.3545% | 1,781 |
| Assets per employee ($millions) | 2.8322% | 6,100 |
| Cash dividends to net income (ytd only)* | 75.1567% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 4,619 |
| Loan loss allowance to noncurrent loans | 889.0909% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 5,591 |
| Noncurrent loans to loans | 0.1411% | 5,904 |
| Net loans and leases to total assets | 51.3024% | 4,965 |
| Net loans and leases to deposits | 60.2783% | 4,940 |
| Net loans and leases to core deposits | 60.9053% | 5,229 |
| Total domestic deposits to total assets | 85.1092% | 3,682 |
| Equity capital to assets | 8.9244% | 5,275 |
| Core capital (leverage) ratio | 8.2511% | 6,011 |
| Tier 1 risk-based capital ratio | 12.7983% | 5,257 |
| Total risk-based capital ratio | 13.8205% | 5,357 |
| Memoranda: | ||
| Average total assets | $150,538,250 | 3,728 |
| Average earning assets | $132,879,500 | 3,820 |
| Average equity | $13,768,500 | 4,160 |
| Average total loans | $76,858,000 | 4,064 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7260% | 5,067 |
| Cost of funding earning assets | 0.9315% | 770 |
| Net interest margin | 2.7945% | 6,011 |
| Noninterest income to average assets | 0.9822% | 1,576 |
| Noninterest expense to average assets | 2.8205% | 3,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5946% | 4,314 |
| Return on assets (ROA) | 0.6185% | 4,368 |
| Pretax return on assets | 0.6517% | 4,837 |
| Return on Equity (ROE) | 6.7086% | 3,767 |
| Retained earnings to average equity (ytd only) | 4.9666% | 3,076 |
| Net charge-offs to loans | 0.0105% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 407 |
| Efficiency ratio | 80.7085% | 2,061 |
| Assets per employee ($millions) | 2.8912% | 6,035 |
| Cash dividends to net income (ytd only)* | 25.9657% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 4,468 |
| Loan loss allowance to noncurrent loans | 6,200.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 5,833 |
| Noncurrent loans to loans | 0.0211% | 6,353 |
| Net loans and leases to total assets | 49.7798% | 5,128 |
| Net loans and leases to deposits | 58.8840% | 5,080 |
| Net loans and leases to core deposits | 59.4977% | 5,304 |
| Total domestic deposits to total assets | 84.5388% | 4,111 |
| Equity capital to assets | 9.0625% | 5,155 |
| Core capital (leverage) ratio | 8.1635% | 6,045 |
| Tier 1 risk-based capital ratio | 13.3493% | 4,877 |
| Total risk-based capital ratio | 14.4158% | 4,960 |
| Memoranda: | ||
| Average total assets | $150,682,330 | 3,755 |
| Average earning assets | $132,904,330 | 3,848 |
| Average equity | $13,892,670 | 4,167 |
| Average total loans | $76,482,000 | 4,088 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 4,921 |
| Cost of funding earning assets | 0.9628% | 732 |
| Net interest margin | 2.8075% | 6,017 |
| Noninterest income to average assets | 1.0341% | 1,384 |
| Noninterest expense to average assets | 2.7762% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7027% | 3,673 |
| Return on assets (ROA) | 0.7027% | 3,815 |
| Pretax return on assets | 0.7398% | 4,411 |
| Return on Equity (ROE) | 7.5571% | 3,188 |
| Retained earnings to average equity (ytd only) | 5.7890% | 2,788 |
| Net charge-offs to loans | 0.0833% | 3,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.4375% | 1,317 |
| Efficiency ratio | 77.8281% | 2,635 |
| Assets per employee ($millions) | 3.0262% | 5,939 |
| Cash dividends to net income (ytd only)* | 23.3962% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 4,741 |
| Loan loss allowance to noncurrent loans | 790.3226% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 5,616 |
| Noncurrent loans to loans | 0.1636% | 5,987 |
| Net loans and leases to total assets | 48.4819% | 5,177 |
| Net loans and leases to deposits | 57.1365% | 5,123 |
| Net loans and leases to core deposits | 57.7192% | 5,366 |
| Total domestic deposits to total assets | 84.8527% | 4,115 |
| Equity capital to assets | 9.1481% | 5,313 |
| Core capital (leverage) ratio | 8.2833% | 5,847 |
| Tier 1 risk-based capital ratio | 13.5467% | 4,838 |
| Total risk-based capital ratio | 14.6295% | 4,906 |
| Memoranda: | ||
| Average total assets | $150,851,500 | 3,789 |
| Average earning assets | $133,356,000 | 3,873 |
| Average equity | $14,026,500 | 4,193 |
| Average total loans | $76,806,500 | 4,108 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 4,014 |
| Cost of funding earning assets | 1.0215% | 1,243 |
| Net interest margin | 3.3334% | 5,130 |
| Noninterest income to average assets | 0.9210% | 1,797 |
| Noninterest expense to average assets | 2.9924% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8536% | 3,024 |
| Return on assets (ROA) | 0.8762% | 3,171 |
| Pretax return on assets | 0.9223% | 3,845 |
| Return on Equity (ROE) | 9.2471% | 2,516 |
| Retained earnings to average equity (ytd only) | -1.5615% | 6,099 |
| Net charge-offs to loans | 0.0194% | 5,638 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 82.7500% | 466 |
| Efficiency ratio | 75.8939% | 2,766 |
| Assets per employee ($millions) | 2.8895% | 6,175 |
| Cash dividends to net income (ytd only)* | 116.8861% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 4,738 |
| Loan loss allowance to noncurrent loans | 380.1527% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 5,441 |
| Noncurrent loans to loans | 0.3367% | 5,642 |
| Net loans and leases to total assets | 52.1230% | 4,910 |
| Net loans and leases to deposits | 62.8110% | 4,682 |
| Net loans and leases to core deposits | 63.4949% | 5,016 |
| Total domestic deposits to total assets | 82.9837% | 4,733 |
| Equity capital to assets | 9.4554% | 4,928 |
| Core capital (leverage) ratio | 8.1984% | 6,001 |
| Tier 1 risk-based capital ratio | 13.5714% | 4,700 |
| Total risk-based capital ratio | 14.6938% | 4,749 |
| Memoranda: | ||
| Average total assets | $147,341,200 | 3,818 |
| Average earning assets | $131,276,000 | 3,862 |
| Average equity | $13,961,200 | 4,162 |
| Average total loans | $82,548,600 | 3,958 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 4,020 |
| Cost of funding earning assets | 1.0310% | 1,388 |
| Net interest margin | 3.3755% | 5,115 |
| Noninterest income to average assets | 0.8868% | 1,879 |
| Noninterest expense to average assets | 3.0261% | 3,144 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8244% | 3,320 |
| Return on assets (ROA) | 0.8244% | 3,563 |
| Pretax return on assets | 0.8678% | 4,230 |
| Return on Equity (ROE) | 8.6959% | 2,949 |
| Retained earnings to average equity (ytd only) | -5.1355% | 6,622 |
| Net charge-offs to loans | 0.0303% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 50.4789% | 752 |
| Efficiency ratio | 76.7139% | 2,561 |
| Assets per employee ($millions) | 2.8651% | 6,270 |
| Cash dividends to net income (ytd only)* | 159.0554% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 4,924 |
| Loan loss allowance to noncurrent loans | 1,034.3750% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 5,925 |
| Noncurrent loans to loans | 0.1233% | 6,300 |
| Net loans and leases to total assets | 50.6385% | 5,231 |
| Net loans and leases to deposits | 60.4432% | 5,153 |
| Net loans and leases to core deposits | 61.0740% | 5,449 |
| Total domestic deposits to total assets | 83.7786% | 4,327 |
| Equity capital to assets | 9.1354% | 5,661 |
| Core capital (leverage) ratio | 8.0897% | 6,239 |
| Tier 1 risk-based capital ratio | 13.4969% | 4,880 |
| Total risk-based capital ratio | 14.6416% | 4,918 |
| Memoranda: | ||
| Average total assets | $147,335,250 | 3,859 |
| Average earning assets | $131,256,500 | 3,911 |
| Average equity | $13,968,000 | 4,200 |
| Average total loans | $83,734,000 | 3,963 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5116% | 3,715 |
| Cost of funding earning assets | 1.0417% | 1,512 |
| Net interest margin | 3.4699% | 4,800 |
| Noninterest income to average assets | 0.8297% | 2,058 |
| Noninterest expense to average assets | 3.0693% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8105% | 3,353 |
| Return on assets (ROA) | 0.8105% | 3,610 |
| Pretax return on assets | 0.8530% | 4,267 |
| Return on Equity (ROE) | 8.4429% | 3,047 |
| Retained earnings to average equity (ytd only) | -11.4143% | 6,870 |
| Net charge-offs to loans | -0.0584% | 6,703 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2378% | 2,560 |
| Assets per employee ($millions) | 2.8499% | 6,322 |
| Cash dividends to net income (ytd only)* | 235.1946% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 5,075 |
| Loan loss allowance to noncurrent loans | 508.3333% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 5,743 |
| Noncurrent loans to loans | 0.2482% | 6,081 |
| Net loans and leases to total assets | 55.8393% | 4,494 |
| Net loans and leases to deposits | 67.0802% | 4,349 |
| Net loans and leases to core deposits | 67.8150% | 4,811 |
| Total domestic deposits to total assets | 83.2425% | 4,657 |
| Equity capital to assets | 9.2243% | 5,438 |
| Core capital (leverage) ratio | 7.8789% | 6,386 |
| Tier 1 risk-based capital ratio | 13.1764% | 5,057 |
| Total risk-based capital ratio | 14.3127% | 5,121 |
| Memoranda: | ||
| Average total assets | $145,830,670 | 3,906 |
| Average earning assets | $129,974,670 | 3,962 |
| Average equity | $14,000,000 | 4,194 |
| Average total loans | $85,683,000 | 3,919 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6166% | 3,430 |
| Cost of funding earning assets | 1.0495% | 1,679 |
| Net interest margin | 3.5671% | 4,408 |
| Noninterest income to average assets | 0.7777% | 2,265 |
| Noninterest expense to average assets | 3.1765% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7366% | 3,701 |
| Return on assets (ROA) | 0.7366% | 3,934 |
| Pretax return on assets | 0.7749% | 4,513 |
| Return on Equity (ROE) | 7.5263% | 3,485 |
| Retained earnings to average equity (ytd only) | 5.8476% | 3,047 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4179% | 2,284 |
| Assets per employee ($millions) | 2.8661% | 6,409 |
| Cash dividends to net income (ytd only)* | 22.3048% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 5,519 |
| Loan loss allowance to noncurrent loans | 693.1507% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 5,933 |
| Noncurrent loans to loans | 0.1721% | 6,335 |
| Net loans and leases to total assets | 56.2367% | 4,341 |
| Net loans and leases to deposits | 67.7151% | 4,110 |
| Net loans and leases to core deposits | 69.7135% | 4,461 |
| Total domestic deposits to total assets | 83.0491% | 4,905 |
| Equity capital to assets | 9.6822% | 4,547 |
| Core capital (leverage) ratio | 8.6700% | 5,350 |
| Tier 1 risk-based capital ratio | 13.6290% | 4,729 |
| Total risk-based capital ratio | 14.7390% | 4,826 |
| Memoranda: | ||
| Average total assets | $146,074,000 | 3,938 |
| Average earning assets | $129,965,000 | 3,990 |
| Average equity | $14,296,500 | 4,136 |
| Average total loans | $87,426,500 | 3,903 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 3,352 |
| Cost of funding earning assets | 1.2341% | 1,821 |
| Net interest margin | 3.6669% | 4,444 |
| Noninterest income to average assets | 1.1715% | 958 |
| Noninterest expense to average assets | 3.3260% | 2,437 |
| Loan and lease loss provision to assets | 0.0279% | 6,226 |
| Net operating income to assets | 1.0245% | 2,107 |
| Return on assets (ROA) | 1.0570% | 2,119 |
| Pretax return on assets | 1.1128% | 2,787 |
| Return on Equity (ROE) | 10.9103% | 1,721 |
| Retained earnings to average equity (ytd only) | 1.5638% | 5,096 |
| Net charge-offs to loans | -0.0141% | 6,921 |
| Credit loss provision to net charge-offs | -307.6923% | 6,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1219% | 3,219 |
| Assets per employee ($millions) | 2.7002% | 6,611 |
| Cash dividends to net income (ytd only)* | 85.6671% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,718 |
| Loan loss allowance to noncurrent loans | 496.0784% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 5,767 |
| Noncurrent loans to loans | 0.2266% | 6,287 |
| Net loans and leases to total assets | 62.2002% | 3,563 |
| Net loans and leases to deposits | 75.4117% | 3,275 |
| Net loans and leases to core deposits | 78.0185% | 3,687 |
| Total domestic deposits to total assets | 82.4809% | 4,972 |
| Equity capital to assets | 9.8964% | 4,310 |
| Core capital (leverage) ratio | 8.5613% | 5,462 |
| Tier 1 risk-based capital ratio | 13.2263% | 4,893 |
| Total risk-based capital ratio | 14.3232% | 4,981 |
| Memoranda: | ||
| Average total assets | $143,236,000 | 3,926 |
| Average earning assets | $127,382,600 | 3,988 |
| Average equity | $13,876,800 | 4,132 |
| Average total loans | $92,178,200 | 3,805 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 3,467 |
| Cost of funding earning assets | 1.2701% | 1,861 |
| Net interest margin | 3.6507% | 4,559 |
| Noninterest income to average assets | 1.2666% | 806 |
| Noninterest expense to average assets | 3.3652% | 2,290 |
| Loan and lease loss provision to assets | 0.0372% | 5,974 |
| Net operating income to assets | 1.0660% | 2,085 |
| Return on assets (ROA) | 1.1093% | 2,075 |
| Pretax return on assets | 1.1680% | 2,750 |
| Return on Equity (ROE) | 11.5122% | 1,686 |
| Retained earnings to average equity (ytd only) | -0.4346% | 6,057 |
| Net charge-offs to loans | -0.0187% | 6,893 |
| Credit loss provision to net charge-offs | -307.6923% | 6,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4883% | 3,279 |
| Assets per employee ($millions) | 2.6812% | 6,673 |
| Cash dividends to net income (ytd only)* | 103.7753% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 5,749 |
| Loan loss allowance to noncurrent loans | 1,775.4386% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 6,146 |
| Noncurrent loans to loans | 0.0640% | 6,769 |
| Net loans and leases to total assets | 62.0085% | 3,719 |
| Net loans and leases to deposits | 75.4192% | 3,429 |
| Net loans and leases to core deposits | 78.7460% | 3,797 |
| Total domestic deposits to total assets | 82.2185% | 5,003 |
| Equity capital to assets | 9.8633% | 4,528 |
| Core capital (leverage) ratio | 8.2913% | 5,987 |
| Tier 1 risk-based capital ratio | 13.6639% | 4,605 |
| Total risk-based capital ratio | 14.8234% | 4,650 |
| Memoranda: | ||
| Average total assets | $143,267,000 | 3,942 |
| Average earning assets | $127,862,750 | 3,998 |
| Average equity | $13,805,250 | 4,164 |
| Average total loans | $92,715,750 | 3,829 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 3,783 |
| Cost of funding earning assets | 1.3017% | 1,933 |
| Net interest margin | 3.5629% | 4,868 |
| Noninterest income to average assets | 1.3532% | 698 |
| Noninterest expense to average assets | 3.4290% | 2,186 |
| Loan and lease loss provision to assets | 0.0278% | 5,957 |
| Net operating income to assets | 1.0170% | 2,157 |
| Return on assets (ROA) | 1.0818% | 2,025 |
| Pretax return on assets | 1.1388% | 2,700 |
| Return on Equity (ROE) | 11.3142% | 1,693 |
| Retained earnings to average equity (ytd only) | -0.7281% | 6,001 |
| Net charge-offs to loans | -0.0128% | 6,741 |
| Credit loss provision to net charge-offs | -333.3333% | 6,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8462% | 3,213 |
| Assets per employee ($millions) | 2.7513% | 6,561 |
| Cash dividends to net income (ytd only)* | 106.4350% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 6,141 |
| Loan loss allowance to noncurrent loans | 975.2475% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 5,500 |
| Noncurrent loans to loans | 0.1078% | 6,704 |
| Net loans and leases to total assets | 63.5930% | 3,556 |
| Net loans and leases to deposits | 79.3056% | 2,923 |
| Net loans and leases to core deposits | 83.0032% | 3,366 |
| Total domestic deposits to total assets | 80.1874% | 5,772 |
| Equity capital to assets | 9.4973% | 4,820 |
| Core capital (leverage) ratio | 8.2232% | 5,995 |
| Tier 1 risk-based capital ratio | 13.1531% | 4,801 |
| Total risk-based capital ratio | 14.2412% | 4,903 |
| Memoranda: | ||
| Average total assets | $143,655,000 | 3,965 |
| Average earning assets | $127,985,000 | 4,030 |
| Average equity | $13,735,000 | 4,173 |
| Average total loans | $93,911,670 | 3,840 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8100% | 4,013 |
| Cost of funding earning assets | 1.3161% | 2,094 |
| Net interest margin | 3.4939% | 5,040 |
| Noninterest income to average assets | 1.7282% | 458 |
| Noninterest expense to average assets | 3.6641% | 1,618 |
| Loan and lease loss provision to assets | 0.0561% | 5,304 |
| Net operating income to assets | 1.0802% | 1,909 |
| Return on assets (ROA) | 1.0802% | 1,959 |
| Pretax return on assets | 1.1363% | 2,619 |
| Return on Equity (ROE) | 11.2590% | 1,656 |
| Retained earnings to average equity (ytd only) | -11.2005% | 6,911 |
| Net charge-offs to loans | -0.2851% | 7,332 |
| Credit loss provision to net charge-offs | -29.8507% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6389% | 3,401 |
| Assets per employee ($millions) | 2.6310% | 6,798 |
| Cash dividends to net income (ytd only)* | 199.4805% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 5,892 |
| Loan loss allowance to noncurrent loans | 587.6404% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.8078% | 5,294 |
| Noncurrent loans to loans | 0.1938% | 6,579 |
| Net loans and leases to total assets | 62.7592% | 3,703 |
| Net loans and leases to deposits | 78.2595% | 3,011 |
| Net loans and leases to core deposits | 81.2084% | 3,573 |
| Total domestic deposits to total assets | 80.1938% | 5,894 |
| Equity capital to assets | 9.3299% | 4,676 |
| Core capital (leverage) ratio | 8.3035% | 5,803 |
| Tier 1 risk-based capital ratio | 12.8294% | 4,958 |
| Total risk-based capital ratio | 13.9903% | 5,003 |
| Memoranda: | ||
| Average total assets | $142,572,000 | 4,021 |
| Average earning assets | $127,650,000 | 4,068 |
| Average equity | $13,678,000 | 4,175 |
| Average total loans | $94,009,000 | 3,880 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 2,801 |
| Cost of funding earning assets | 1.4951% | 2,671 |
| Net interest margin | 3.8768% | 3,603 |
| Noninterest income to average assets | 0.9911% | 1,529 |
| Noninterest expense to average assets | 3.3404% | 2,604 |
| Loan and lease loss provision to assets | 0.2848% | 4,520 |
| Net operating income to assets | 0.7754% | 2,896 |
| Return on assets (ROA) | 0.8646% | 2,677 |
| Pretax return on assets | 0.9112% | 3,240 |
| Return on Equity (ROE) | 8.1498% | 2,643 |
| Retained earnings to average equity (ytd only) | 6.8915% | 1,370 |
| Net charge-offs to loans | 1.0313% | 2,141 |
| Credit loss provision to net charge-offs | 40.2412% | 6,386 |
| Earnings coverage of net charge-offs (x) | 1.5570% | 4,575 |
| Efficiency ratio | 75.1922% | 3,165 |
| Assets per employee ($millions) | 2.5534% | 6,928 |
| Cash dividends to net income (ytd only)* | 15.4399% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 6,404 |
| Loan loss allowance to noncurrent loans | 183.3652% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 1.1158% | 4,781 |
| Noncurrent loans to loans | 0.5439% | 5,962 |
| Net loans and leases to total assets | 67.7856% | 3,033 |
| Net loans and leases to deposits | 85.9115% | 2,118 |
| Net loans and leases to core deposits | 89.3775% | 2,844 |
| Total domestic deposits to total assets | 78.9016% | 6,104 |
| Equity capital to assets | 9.8656% | 3,918 |
| Core capital (leverage) ratio | 9.1861% | 4,193 |
| Tier 1 risk-based capital ratio | 12.9207% | 4,664 |
| Total risk-based capital ratio | 13.9584% | 4,831 |
| Memoranda: | ||
| Average total assets | $128,846,000 | 4,297 |
| Average earning assets | $114,707,200 | 4,351 |
| Average equity | $13,669,000 | 4,220 |
| Average total loans | $88,428,200 | 4,093 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4488% | 2,651 |
| Cost of funding earning assets | 1.5503% | 2,674 |
| Net interest margin | 3.8985% | 3,531 |
| Noninterest income to average assets | 1.1073% | 1,148 |
| Noninterest expense to average assets | 3.3272% | 2,492 |
| Loan and lease loss provision to assets | 0.0953% | 6,070 |
| Net operating income to assets | 1.0862% | 1,939 |
| Return on assets (ROA) | 1.2089% | 1,654 |
| Pretax return on assets | 1.2746% | 2,248 |
| Return on Equity (ROE) | 11.1773% | 1,729 |
| Retained earnings to average equity (ytd only) | 9.8266% | 837 |
| Net charge-offs to loans | 0.8848% | 2,230 |
| Credit loss provision to net charge-offs | 15.6794% | 6,287 |
| Earnings coverage of net charge-offs (x) | 2.0418% | 4,195 |
| Efficiency ratio | 72.8389% | 3,550 |
| Assets per employee ($millions) | 2.7609% | 6,667 |
| Cash dividends to net income (ytd only)* | 12.0844% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 5,530 |
| Loan loss allowance to noncurrent loans | 148.9051% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 1.4779% | 4,236 |
| Noncurrent loans to loans | 0.8011% | 5,617 |
| Net loans and leases to total assets | 66.5239% | 3,569 |
| Net loans and leases to deposits | 87.5820% | 2,066 |
| Net loans and leases to core deposits | 92.8081% | 2,685 |
| Total domestic deposits to total assets | 75.9561% | 6,666 |
| Equity capital to assets | 11.0629% | 2,898 |
| Core capital (leverage) ratio | 10.0186% | 3,236 |
| Tier 1 risk-based capital ratio | 15.7775% | 2,870 |
| Total risk-based capital ratio | 17.0114% | 2,835 |
| Memoranda: | ||
| Average total assets | $125,948,250 | 4,416 |
| Average earning assets | $111,801,000 | 4,487 |
| Average equity | $13,622,500 | 4,299 |
| Average total loans | $86,496,500 | 4,211 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4597% | 2,701 |
| Cost of funding earning assets | 1.5545% | 2,935 |
| Net interest margin | 3.9051% | 3,422 |
| Noninterest income to average assets | 1.1019% | 1,092 |
| Noninterest expense to average assets | 3.2724% | 2,652 |
| Loan and lease loss provision to assets | 0.0955% | 5,957 |
| Net operating income to assets | 1.1555% | 1,683 |
| Return on assets (ROA) | 1.1752% | 1,693 |
| Pretax return on assets | 1.2389% | 2,296 |
| Return on Equity (ROE) | 10.9496% | 1,770 |
| Retained earnings to average equity (ytd only) | 9.3917% | 986 |
| Net charge-offs to loans | 1.2208% | 1,565 |
| Credit loss provision to net charge-offs | 11.3208% | 5,930 |
| Earnings coverage of net charge-offs (x) | 1.5566% | 4,323 |
| Efficiency ratio | 71.3542% | 3,927 |
| Assets per employee ($millions) | 2.9006% | 6,356 |
| Cash dividends to net income (ytd only)* | 14.2276% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 5,557 |
| Loan loss allowance to noncurrent loans | 138.2353% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 4,630 |
| Noncurrent loans to loans | 0.8535% | 5,558 |
| Net loans and leases to total assets | 66.3500% | 3,760 |
| Net loans and leases to deposits | 88.2744% | 2,129 |
| Net loans and leases to core deposits | 93.4311% | 2,802 |
| Total domestic deposits to total assets | 75.1634% | 6,833 |
| Equity capital to assets | 10.5961% | 3,283 |
| Core capital (leverage) ratio | 9.8485% | 3,343 |
| Tier 1 risk-based capital ratio | 14.9187% | 3,196 |
| Total risk-based capital ratio | 16.1526% | 3,178 |
| Memoranda: | ||
| Average total assets | $125,597,330 | 4,458 |
| Average earning assets | $112,058,330 | 4,506 |
| Average equity | $13,480,000 | 4,332 |
| Average total loans | $86,826,670 | 4,231 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6557% | 1,934 |
| Cost of funding earning assets | 1.5879% | 3,032 |
| Net interest margin | 4.0677% | 2,580 |
| Noninterest income to average assets | 1.0103% | 1,267 |
| Noninterest expense to average assets | 3.1933% | 2,891 |
| Loan and lease loss provision to assets | 0.0975% | 5,656 |
| Net operating income to assets | 1.2931% | 1,318 |
| Return on assets (ROA) | 1.2962% | 1,379 |
| Pretax return on assets | 1.3676% | 1,857 |
| Return on Equity (ROE) | 11.9959% | 1,503 |
| Retained earnings to average equity (ytd only) | 9.8914% | 1,166 |
| Net charge-offs to loans | 0.0370% | 5,059 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 56.2500% | 523 |
| Efficiency ratio | 68.5973% | 4,604 |
| Assets per employee ($millions) | 2.5636% | 7,111 |
| Cash dividends to net income (ytd only)* | 17.5439% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7483% | 2,899 |
| Loan loss allowance to noncurrent loans | 73.2246% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 2.3567% | 3,081 |
| Noncurrent loans to loans | 2.3876% | 3,289 |
| Net loans and leases to total assets | 69.6905% | 3,013 |
| Net loans and leases to deposits | 91.0623% | 1,749 |
| Net loans and leases to core deposits | 93.9628% | 2,845 |
| Total domestic deposits to total assets | 76.5306% | 6,657 |
| Equity capital to assets | 10.9497% | 2,811 |
| Core capital (leverage) ratio | 9.7957% | 3,405 |
| Tier 1 risk-based capital ratio | 15.0187% | 3,114 |
| Total risk-based capital ratio | 16.2612% | 3,072 |
| Memoranda: | ||
| Average total assets | $123,131,500 | 4,560 |
| Average earning assets | $110,331,500 | 4,602 |
| Average equity | $13,304,500 | 4,405 |
| Average total loans | $86,420,000 | 4,310 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8250% | 2,551 |
| Cost of funding earning assets | 1.9272% | 3,321 |
| Net interest margin | 3.8978% | 3,277 |
| Noninterest income to average assets | 0.9768% | 1,645 |
| Noninterest expense to average assets | 3.4620% | 2,484 |
| Loan and lease loss provision to assets | 2.4699% | 807 |
| Net operating income to assets | -1.4070% | 6,815 |
| Return on assets (ROA) | -1.2563% | 6,743 |
| Pretax return on assets | -1.3255% | 6,608 |
| Return on Equity (ROE) | -12.2461% | 6,785 |
| Retained earnings to average equity (ytd only) | -12.5287% | 6,722 |
| Net charge-offs to loans | 2.6469% | 850 |
| Credit loss provision to net charge-offs | 131.8573% | 3,817 |
| Earnings coverage of net charge-offs (x) | 0.5262% | 5,589 |
| Efficiency ratio | 77.8381% | 3,218 |
| Assets per employee ($millions) | 2.4159% | 7,333 |
| Cash dividends to net income (ytd only)* | -2.3077% | 7,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7579% | 2,676 |
| Loan loss allowance to noncurrent loans | 62.6667% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 2.6272% | 2,679 |
| Noncurrent loans to loans | 2.8051% | 2,754 |
| Net loans and leases to total assets | 68.2199% | 3,655 |
| Net loans and leases to deposits | 90.3359% | 2,170 |
| Net loans and leases to core deposits | 102.5800% | 3,739 |
| Total domestic deposits to total assets | 75.5180% | 6,774 |
| Equity capital to assets | 10.6607% | 3,007 |
| Core capital (leverage) ratio | 9.3189% | 3,949 |
| Tier 1 risk-based capital ratio | 14.8238% | 3,036 |
| Total risk-based capital ratio | 16.0658% | 2,992 |
| Memoranda: | ||
| Average total assets | $124,175,000 | 4,467 |
| Average earning assets | $110,575,200 | 4,550 |
| Average equity | $12,738,800 | 4,576 |
| Average total loans | $87,878,000 | 4,270 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8860% | 2,508 |
| Cost of funding earning assets | 1.9741% | 3,493 |
| Net interest margin | 3.9119% | 3,191 |
| Noninterest income to average assets | 1.0116% | 1,560 |
| Noninterest expense to average assets | 3.5718% | 2,087 |
| Loan and lease loss provision to assets | 3.1581% | 444 |
| Net operating income to assets | -2.1327% | 7,370 |
| Return on assets (ROA) | -1.9322% | 7,289 |
| Pretax return on assets | -2.0329% | 7,197 |
| Return on Equity (ROE) | -19.0189% | 7,340 |
| Retained earnings to average equity (ytd only) | -19.0189% | 7,304 |
| Net charge-offs to loans | 3.3989% | 447 |
| Credit loss provision to net charge-offs | 130.6874% | 3,831 |
| Earnings coverage of net charge-offs (x) | 0.3783% | 5,645 |
| Efficiency ratio | 79.6226% | 2,913 |
| Assets per employee ($millions) | 2.6663% | 6,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 2,692 |
| Loan loss allowance to noncurrent loans | 59.1870% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 2.6964% | 2,584 |
| Noncurrent loans to loans | 2.8402% | 2,673 |
| Net loans and leases to total assets | 67.9554% | 3,975 |
| Net loans and leases to deposits | 87.1290% | 3,127 |
| Net loans and leases to core deposits | 103.7449% | 3,971 |
| Total domestic deposits to total assets | 77.9940% | 6,094 |
| Equity capital to assets | 10.3107% | 3,720 |
| Core capital (leverage) ratio | 9.1822% | 4,362 |
| Tier 1 risk-based capital ratio | 14.3424% | 3,360 |
| Total risk-based capital ratio | 15.5999% | 3,297 |
| Memoranda: | ||
| Average total assets | $124,416,500 | 4,487 |
| Average earning assets | $110,496,500 | 4,576 |
| Average equity | $12,639,750 | 4,623 |
| Average total loans | $88,458,250 | 4,295 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9274% | 2,467 |
| Cost of funding earning assets | 1.9930% | 3,812 |
| Net interest margin | 3.9343% | 2,960 |
| Noninterest income to average assets | 0.9910% | 1,624 |
| Noninterest expense to average assets | 3.6192% | 2,028 |
| Loan and lease loss provision to assets | 4.5554% | 246 |
| Net operating income to assets | -3.4498% | 7,760 |
| Return on assets (ROA) | -3.1712% | 7,706 |
| Pretax return on assets | -3.3372% | 7,640 |
| Return on Equity (ROE) | -31.3725% | 7,734 |
| Retained earnings to average equity (ytd only) | -31.3725% | 7,710 |
| Net charge-offs to loans | 4.7938% | 261 |
| Credit loss provision to net charge-offs | 132.4122% | 3,531 |
| Earnings coverage of net charge-offs (x) | 0.2689% | 5,404 |
| Efficiency ratio | 79.6454% | 3,107 |
| Assets per employee ($millions) | 2.4760% | 7,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 2,333 |
| Loan loss allowance to noncurrent loans | 69.5985% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 2.2827% | 2,854 |
| Noncurrent loans to loans | 2.4487% | 2,946 |
| Net loans and leases to total assets | 67.8309% | 4,177 |
| Net loans and leases to deposits | 88.5179% | 3,086 |
| Net loans and leases to core deposits | 109.2143% | 3,470 |
| Total domestic deposits to total assets | 76.6296% | 6,409 |
| Equity capital to assets | 10.1921% | 3,729 |
| Core capital (leverage) ratio | 9.0458% | 4,559 |
| Tier 1 risk-based capital ratio | 14.4048% | 3,302 |
| Total risk-based capital ratio | 15.6621% | 3,235 |
| Memoranda: | ||
| Average total assets | $124,116,670 | 4,527 |
| Average earning assets | $112,090,330 | 4,569 |
| Average equity | $12,546,000 | 4,664 |
| Average total loans | $89,072,670 | 4,301 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9793% | 2,445 |
| Cost of funding earning assets | 2.0119% | 4,075 |
| Net interest margin | 3.9674% | 2,787 |
| Noninterest income to average assets | 0.9463% | 1,663 |
| Noninterest expense to average assets | 3.5663% | 1,942 |
| Loan and lease loss provision to assets | 0.3862% | 3,008 |
| Net operating income to assets | 0.5866% | 4,072 |
| Return on assets (ROA) | 0.7854% | 3,354 |
| Pretax return on assets | 0.8272% | 3,984 |
| Return on Equity (ROE) | 7.8018% | 3,241 |
| Retained earnings to average equity (ytd only) | 7.8018% | 1,892 |
| Net charge-offs to loans | -0.0044% | 7,165 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0282% | 3,161 |
| Assets per employee ($millions) | 2.5275% | 7,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 6,231 |
| Loan loss allowance to noncurrent loans | 19.4677% | 7,195 |
| Noncurrent assets plus other real estate owned to assets | 4.1050% | 1,238 |
| Noncurrent loans to loans | 5.1060% | 1,062 |
| Net loans and leases to total assets | 71.1730% | 3,431 |
| Net loans and leases to deposits | 94.0817% | 2,256 |
| Net loans and leases to core deposits | 114.5138% | 2,955 |
| Total domestic deposits to total assets | 75.6502% | 6,580 |
| Equity capital to assets | 10.2076% | 3,763 |
| Core capital (leverage) ratio | 9.0717% | 4,595 |
| Tier 1 risk-based capital ratio | 13.6819% | 3,753 |
| Total risk-based capital ratio | 14.7821% | 3,767 |
| Memoranda: | ||
| Average total assets | $124,274,000 | 4,532 |
| Average earning assets | $113,525,000 | 4,544 |
| Average equity | $12,510,000 | 4,703 |
| Average total loans | $90,893,000 | 4,282 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0344% | 5,395 |
| Cost of funding earning assets | 2.4983% | 4,216 |
| Net interest margin | 3.5361% | 5,165 |
| Noninterest income to average assets | 1.0277% | 1,498 |
| Noninterest expense to average assets | 3.5601% | 2,238 |
| Loan and lease loss provision to assets | 0.4559% | 3,009 |
| Net operating income to assets | 0.2478% | 5,717 |
| Return on assets (ROA) | 0.2478% | 5,529 |
| Pretax return on assets | 0.2648% | 5,588 |
| Return on Equity (ROE) | 2.5700% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.5700% | 3,590 |
| Net charge-offs to loans | 0.6781% | 1,816 |
| Credit loss provision to net charge-offs | 93.3665% | 5,588 |
| Earnings coverage of net charge-offs (x) | 1.4760% | 5,369 |
| Efficiency ratio | 83.1631% | 2,155 |
| Assets per employee ($millions) | 2.2673% | 7,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 7,016 |
| Loan loss allowance to noncurrent loans | 16.2935% | 7,355 |
| Noncurrent assets plus other real estate owned to assets | 3.8781% | 1,081 |
| Noncurrent loans to loans | 5.0553% | 862 |
| Net loans and leases to total assets | 73.7696% | 3,161 |
| Net loans and leases to deposits | 104.0776% | 1,334 |
| Net loans and leases to core deposits | 126.9143% | 2,091 |
| Total domestic deposits to total assets | 70.8795% | 7,174 |
| Equity capital to assets | 9.9263% | 4,126 |
| Core capital (leverage) ratio | 8.6124% | 5,355 |
| Tier 1 risk-based capital ratio | 12.9968% | 4,112 |
| Total risk-based capital ratio | 13.9182% | 4,227 |
| Memoranda: | ||
| Average total assets | $123,480,600 | 4,434 |
| Average earning assets | $113,599,000 | 4,433 |
| Average equity | $11,906,600 | 4,853 |
| Average total loans | $88,921,600 | 4,259 |