Home > Dakota Heritage Bank > Performance and Condition Ratios
Dakota Heritage 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 | 5.4186% | 1,281 |
| Cost of funding earning assets | 1.5187% | 1,898 |
| Net interest margin | 3.8999% | 1,377 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.2026% | 3,124 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.5538% | 931 |
| Return on assets (ROA) | 1.5541% | 901 |
| Pretax return on assets | 1.5645% | 1,303 |
| Return on Equity (ROE) | 18.7000% | 741 |
| Retained earnings to average equity (ytd only) | 7.2559% | 1,805 |
| Net charge-offs to loans | 0.0354% | 1,602 |
| Credit loss provision to net charge-offs | 517.0455% | 650 |
| Earnings coverage of net charge-offs (x) | 64.9773% | 1,142 |
| Efficiency ratio | 55.4802% | 3,550 |
| Assets per employee ($millions) | 6.9195% | 2,124 |
| Cash dividends to net income (ytd only)* | 61.1972% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,234 |
| Loan loss allowance to noncurrent loans | 275.6824% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 1,609 |
| Noncurrent loans to loans | 0.4391% | 1,679 |
| Net loans and leases to total assets | 75.6000% | 1,165 |
| Net loans and leases to deposits | 91.6280% | 1,128 |
| Net loans and leases to core deposits | 104.1698% | 1,211 |
| Total domestic deposits to total assets | 82.5000% | 3,025 |
| Equity capital to assets | 8.3190% | 3,180 |
| Core capital (leverage) ratio | 9.3932% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $336,470,800 | 2,242 |
| Average earning assets | $311,851,200 | 2,239 |
| Average equity | $27,963,400 | 2,365 |
| Average total loans | $248,691,400 | 2,008 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 1,337 |
| Cost of funding earning assets | 1.2883% | 2,180 |
| Net interest margin | 3.9746% | 1,261 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.2022% | 3,066 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.6312% | 889 |
| Return on assets (ROA) | 1.6316% | 878 |
| Pretax return on assets | 1.6417% | 1,280 |
| Return on Equity (ROE) | 19.6400% | 760 |
| Retained earnings to average equity (ytd only) | 8.9595% | 1,700 |
| Net charge-offs to loans | 0.0160% | 1,826 |
| Credit loss provision to net charge-offs | 689.6552% | 514 |
| Earnings coverage of net charge-offs (x) | 147.2414% | 739 |
| Efficiency ratio | 55.1434% | 3,474 |
| Assets per employee ($millions) | 6.6604% | 2,210 |
| Cash dividends to net income (ytd only)* | 54.3747% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 2,439 |
| Loan loss allowance to noncurrent loans | 259.0421% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 1,601 |
| Noncurrent loans to loans | 0.4575% | 1,678 |
| Net loans and leases to total assets | 77.0000% | 995 |
| Net loans and leases to deposits | 92.7925% | 985 |
| Net loans and leases to core deposits | 105.0745% | 1,059 |
| Total domestic deposits to total assets | 82.9800% | 3,026 |
| Equity capital to assets | 7.8000% | 3,181 |
| Core capital (leverage) ratio | 9.6367% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $330,634,500 | 2,264 |
| Average earning assets | $307,683,250 | 2,258 |
| Average equity | $27,471,000 | 2,382 |
| Average total loans | $242,029,750 | 2,047 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0348% | 1,504 |
| Cost of funding earning assets | 1.0649% | 2,402 |
| Net interest margin | 3.9699% | 1,295 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.2294% | 2,995 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.6873% | 805 |
| Return on assets (ROA) | 1.6873% | 809 |
| Pretax return on assets | 1.6965% | 1,222 |
| Return on Equity (ROE) | 19.8900% | 715 |
| Retained earnings to average equity (ytd only) | 10.1740% | 1,360 |
| Net charge-offs to loans | 0.0247% | 1,390 |
| Credit loss provision to net charge-offs | 172.4138% | 1,115 |
| Earnings coverage of net charge-offs (x) | 97.5517% | 950 |
| Efficiency ratio | 55.3618% | 3,493 |
| Assets per employee ($millions) | 6.0227% | 2,691 |
| Cash dividends to net income (ytd only)* | 48.8423% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,378 |
| Loan loss allowance to noncurrent loans | 396.6799% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 2,028 |
| Noncurrent loans to loans | 0.3058% | 2,046 |
| Net loans and leases to total assets | 74.8000% | 1,192 |
| Net loans and leases to deposits | 85.4314% | 1,549 |
| Net loans and leases to core deposits | 94.4907% | 1,548 |
| Total domestic deposits to total assets | 87.5600% | 1,764 |
| Equity capital to assets | 8.6561% | 2,743 |
| Core capital (leverage) ratio | 9.8153% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $327,620,000 | 2,289 |
| Average earning assets | $305,197,000 | 2,282 |
| Average equity | $27,796,333 | 2,373 |
| Average total loans | $234,479,333 | 2,079 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 1,650 |
| Cost of funding earning assets | 0.8902% | 2,400 |
| Net interest margin | 3.8991% | 1,487 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.1897% | 3,127 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.7408% | 762 |
| Return on assets (ROA) | 1.7408% | 752 |
| Pretax return on assets | 1.7408% | 1,191 |
| Return on Equity (ROE) | 20.7300% | 681 |
| Retained earnings to average equity (ytd only) | 13.4837% | 1,011 |
| Net charge-offs to loans | 0.0437% | 921 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 58.2400% | 1,040 |
| Efficiency ratio | 54.2998% | 3,574 |
| Assets per employee ($millions) | 6.1730% | 2,610 |
| Cash dividends to net income (ytd only)* | 34.9406% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 1,934 |
| Loan loss allowance to noncurrent loans | 322.3913% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 1,762 |
| Noncurrent loans to loans | 0.4104% | 1,702 |
| Net loans and leases to total assets | 66.3500% | 2,021 |
| Net loans and leases to deposits | 72.8988% | 2,389 |
| Net loans and leases to core deposits | 78.5800% | 2,349 |
| Total domestic deposits to total assets | 91.0200% | 797 |
| Equity capital to assets | 8.5060% | 2,886 |
| Core capital (leverage) ratio | 9.5262% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $328,817,000 | 2,319 |
| Average earning assets | $306,015,500 | 2,316 |
| Average equity | $27,618,500 | 2,413 |
| Average total loans | $228,589,500 | 2,123 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 1,743 |
| Cost of funding earning assets | 0.4442% | 1,757 |
| Net interest margin | 3.5464% | 1,790 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.1695% | 3,101 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.3723% | 1,205 |
| Return on assets (ROA) | 1.3723% | 1,163 |
| Pretax return on assets | 1.4068% | 1,748 |
| Return on Equity (ROE) | 16.5100% | 957 |
| Retained earnings to average equity (ytd only) | 9.4641% | 1,329 |
| Net charge-offs to loans | -0.0073% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.9228% | 3,350 |
| Assets per employee ($millions) | 6.4859% | 2,347 |
| Cash dividends to net income (ytd only)* | 42.6759% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 2,774 |
| Loan loss allowance to noncurrent loans | 187.1245% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 1,187 |
| Noncurrent loans to loans | 0.5999% | 1,250 |
| Net loans and leases to total assets | 71.0500% | 1,520 |
| Net loans and leases to deposits | 77.8042% | 1,967 |
| Net loans and leases to core deposits | 82.4589% | 1,971 |
| Total domestic deposits to total assets | 91.3200% | 835 |
| Equity capital to assets | 8.2897% | 2,863 |
| Core capital (leverage) ratio | 9.7598% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $315,886,000 | 2,373 |
| Average earning assets | $293,114,200 | 2,370 |
| Average equity | $26,257,000 | 2,517 |
| Average total loans | $204,884,400 | 2,196 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 1,739 |
| Cost of funding earning assets | 0.4065% | 1,245 |
| Net interest margin | 3.4015% | 1,975 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.0833% | 3,252 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1647% | 1,840 |
| Return on assets (ROA) | 1.1647% | 1,814 |
| Pretax return on assets | 1.2059% | 2,345 |
| Return on Equity (ROE) | 14.0000% | 1,428 |
| Retained earnings to average equity (ytd only) | 7.6165% | 2,147 |
| Net charge-offs to loans | -0.0081% | 3,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.1627% | 2,945 |
| Assets per employee ($millions) | 6.2272% | 2,555 |
| Cash dividends to net income (ytd only)* | 45.6038% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,082 |
| Loan loss allowance to noncurrent loans | 303.0075% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 1,937 |
| Noncurrent loans to loans | 0.3584% | 1,950 |
| Net loans and leases to total assets | 70.7300% | 1,418 |
| Net loans and leases to deposits | 76.9700% | 1,799 |
| Net loans and leases to core deposits | 81.5638% | 1,794 |
| Total domestic deposits to total assets | 91.8900% | 917 |
| Equity capital to assets | 7.6862% | 3,097 |
| Core capital (leverage) ratio | 9.4388% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $313,784,000 | 2,397 |
| Average earning assets | $290,927,250 | 2,395 |
| Average equity | $26,100,500 | 2,562 |
| Average total loans | $197,848,000 | 2,245 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5110% | 2,105 |
| Cost of funding earning assets | 0.3933% | 961 |
| Net interest margin | 3.1177% | 2,479 |
| Noninterest income to average assets | 0.1761% | 4,124 |
| Noninterest expense to average assets | 2.0783% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9403% | 2,402 |
| Return on assets (ROA) | 0.9403% | 2,375 |
| Pretax return on assets | 0.9905% | 2,769 |
| Return on Equity (ROE) | 11.0277% | 1,969 |
| Retained earnings to average equity (ytd only) | 7.6724% | 1,742 |
| Net charge-offs to loans | -0.0127% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3973% | 2,457 |
| Assets per employee ($millions) | 6.2100% | 2,556 |
| Cash dividends to net income (ytd only)* | 30.4260% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,072 |
| Loan loss allowance to noncurrent loans | 376.7213% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 2,405 |
| Noncurrent loans to loans | 0.2978% | 2,270 |
| Net loans and leases to total assets | 62.7293% | 2,042 |
| Net loans and leases to deposits | 69.1706% | 2,287 |
| Net loans and leases to core deposits | 73.4603% | 2,210 |
| Total domestic deposits to total assets | 90.6878% | 1,388 |
| Equity capital to assets | 7.9676% | 3,148 |
| Core capital (leverage) ratio | 9.2998% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,591,333 | 2,412 |
| Average earning assets | $291,880,333 | 2,425 |
| Average equity | $26,823,333 | 2,593 |
| Average total loans | $189,582,000 | 2,303 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2628% | 2,493 |
| Cost of funding earning assets | 0.3950% | 899 |
| Net interest margin | 2.8678% | 2,933 |
| Noninterest income to average assets | 0.1211% | 4,401 |
| Noninterest expense to average assets | 2.0759% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6353% | 3,273 |
| Return on assets (ROA) | 0.6353% | 3,256 |
| Pretax return on assets | 0.7023% | 3,387 |
| Return on Equity (ROE) | 7.2048% | 2,979 |
| Retained earnings to average equity (ytd only) | 4.2820% | 2,843 |
| Net charge-offs to loans | -0.0264% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2375% | 1,827 |
| Assets per employee ($millions) | 6.3897% | 2,458 |
| Cash dividends to net income (ytd only)* | 40.5680% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,573 |
| Loan loss allowance to noncurrent loans | 887.2587% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 3,268 |
| Noncurrent loans to loans | 0.1415% | 3,099 |
| Net loans and leases to total assets | 56.5772% | 2,472 |
| Net loans and leases to deposits | 62.4260% | 2,681 |
| Net loans and leases to core deposits | 65.9880% | 2,626 |
| Total domestic deposits to total assets | 90.6308% | 1,227 |
| Equity capital to assets | 8.0520% | 3,530 |
| Core capital (leverage) ratio | 8.7537% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,426,500 | 2,447 |
| Average earning assets | $287,607,000 | 2,459 |
| Average equity | $27,370,500 | 2,641 |
| Average total loans | $181,941,000 | 2,362 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 1,460 |
| Cost of funding earning assets | 0.4851% | 989 |
| Net interest margin | 3.4736% | 1,814 |
| Noninterest income to average assets | 0.2875% | 3,671 |
| Noninterest expense to average assets | 2.1902% | 3,117 |
| Loan and lease loss provision to assets | 0.0215% | 2,644 |
| Net operating income to assets | 1.2870% | 1,641 |
| Return on assets (ROA) | 1.2873% | 1,690 |
| Pretax return on assets | 1.2873% | 2,399 |
| Return on Equity (ROE) | 13.1774% | 1,408 |
| Retained earnings to average equity (ytd only) | 6.5887% | 2,086 |
| Net charge-offs to loans | 0.0364% | 1,522 |
| Credit loss provision to net charge-offs | 96.7742% | 1,838 |
| Earnings coverage of net charge-offs (x) | 59.0161% | 1,186 |
| Efficiency ratio | 61.3042% | 2,967 |
| Assets per employee ($millions) | 5.7956% | 2,959 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 59.2440% | 2,237 |
| Net loans and leases to deposits | 66.5828% | 2,454 |
| Net loans and leases to core deposits | 70.9351% | 2,364 |
| Total domestic deposits to total assets | 88.9780% | 1,528 |
| Equity capital to assets | 9.6281% | 3,020 |
| Core capital (leverage) ratio | 9.2175% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,651,400 | 2,541 |
| Average earning assets | $258,524,200 | 2,557 |
| Average equity | $27,319,600 | 2,697 |
| Average total loans | $170,216,000 | 2,463 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 1,396 |
| Cost of funding earning assets | 0.5061% | 1,021 |
| Net interest margin | 3.5562% | 1,711 |
| Noninterest income to average assets | 0.1911% | 4,250 |
| Noninterest expense to average assets | 2.0766% | 3,431 |
| Loan and lease loss provision to assets | 0.0193% | 2,618 |
| Net operating income to assets | 1.3813% | 1,596 |
| Return on assets (ROA) | 1.3818% | 1,655 |
| Pretax return on assets | 1.3818% | 2,398 |
| Return on Equity (ROE) | 14.0887% | 1,365 |
| Retained earnings to average equity (ytd only) | 8.1399% | 2,010 |
| Net charge-offs to loans | 0.0398% | 1,293 |
| Credit loss provision to net charge-offs | 80.0000% | 1,714 |
| Earnings coverage of net charge-offs (x) | 57.6200% | 1,153 |
| Efficiency ratio | 58.3893% | 3,209 |
| Assets per employee ($millions) | 6.0503% | 2,644 |
| Cash dividends to net income (ytd only)* | 42.2238% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 2,448 |
| Loan loss allowance to noncurrent loans | 4,380.7692% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 4,082 |
| Noncurrent loans to loans | 0.0298% | 3,987 |
| Net loans and leases to total assets | 60.4712% | 2,199 |
| Net loans and leases to deposits | 68.4839% | 2,394 |
| Net loans and leases to core deposits | 73.1511% | 2,307 |
| Total domestic deposits to total assets | 88.2998% | 1,666 |
| Equity capital to assets | 10.1874% | 2,727 |
| Core capital (leverage) ratio | 9.6087% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,222,000 | 2,596 |
| Average earning assets | $253,412,000 | 2,622 |
| Average equity | $26,895,500 | 2,765 |
| Average total loans | $167,562,750 | 2,524 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 1,738 |
| Cost of funding earning assets | 0.5256% | 1,065 |
| Net interest margin | 3.4062% | 2,123 |
| Noninterest income to average assets | 0.1920% | 4,241 |
| Noninterest expense to average assets | 2.1474% | 3,252 |
| Loan and lease loss provision to assets | 0.0295% | 2,387 |
| Net operating income to assets | 1.1638% | 2,320 |
| Return on assets (ROA) | 1.1638% | 2,382 |
| Pretax return on assets | 1.1638% | 3,015 |
| Return on Equity (ROE) | 12.0285% | 2,049 |
| Retained earnings to average equity (ytd only) | 7.0675% | 2,407 |
| Net charge-offs to loans | 0.0556% | 1,066 |
| Credit loss provision to net charge-offs | 86.9565% | 1,452 |
| Earnings coverage of net charge-offs (x) | 35.1304% | 1,234 |
| Efficiency ratio | 62.8647% | 2,606 |
| Assets per employee ($millions) | 5.6191% | 2,997 |
| Cash dividends to net income (ytd only)* | 41.2437% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 2,343 |
| Loan loss allowance to noncurrent loans | 1,086.6667% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,708 |
| Noncurrent loans to loans | 0.1214% | 3,583 |
| Net loans and leases to total assets | 60.7494% | 2,329 |
| Net loans and leases to deposits | 68.7472% | 2,542 |
| Net loans and leases to core deposits | 73.0695% | 2,513 |
| Total domestic deposits to total assets | 88.3664% | 1,636 |
| Equity capital to assets | 10.1038% | 2,760 |
| Core capital (leverage) ratio | 9.3966% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,842,000 | 2,607 |
| Average earning assets | $250,366,000 | 2,630 |
| Average equity | $26,204,333 | 2,799 |
| Average total loans | $165,338,667 | 2,550 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 2,600 |
| Cost of funding earning assets | 0.5503% | 1,099 |
| Net interest margin | 3.0618% | 3,102 |
| Noninterest income to average assets | 0.1851% | 4,266 |
| Noninterest expense to average assets | 2.1250% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8819% | 3,176 |
| Return on assets (ROA) | 0.8819% | 3,256 |
| Pretax return on assets | 0.8819% | 3,645 |
| Return on Equity (ROE) | 9.3338% | 2,914 |
| Retained earnings to average equity (ytd only) | 2.9626% | 3,794 |
| Net charge-offs to loans | 0.0050% | 1,734 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 293.0000% | 300 |
| Efficiency ratio | 69.0691% | 1,806 |
| Assets per employee ($millions) | 5.9729% | 2,624 |
| Cash dividends to net income (ytd only)* | 68.2594% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 1,864 |
| Loan loss allowance to noncurrent loans | 1,344.7059% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,946 |
| Noncurrent loans to loans | 0.1058% | 3,782 |
| Net loans and leases to total assets | 56.4304% | 2,984 |
| Net loans and leases to deposits | 63.0032% | 3,221 |
| Net loans and leases to core deposits | 66.8955% | 3,164 |
| Total domestic deposits to total assets | 89.5675% | 1,041 |
| Equity capital to assets | 8.9403% | 3,740 |
| Core capital (leverage) ratio | 8.6155% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,786,000 | 2,626 |
| Average earning assets | $244,953,000 | 2,649 |
| Average equity | $25,113,000 | 2,863 |
| Average total loans | $161,528,000 | 2,584 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 820 |
| Cost of funding earning assets | 0.7659% | 1,367 |
| Net interest margin | 3.9784% | 1,020 |
| Noninterest income to average assets | 0.3145% | 3,585 |
| Noninterest expense to average assets | 2.4907% | 2,879 |
| Loan and lease loss provision to assets | 0.0044% | 4,288 |
| Net operating income to assets | 1.4066% | 1,004 |
| Return on assets (ROA) | 1.4066% | 1,086 |
| Pretax return on assets | 1.4066% | 1,635 |
| Return on Equity (ROE) | 13.0906% | 1,020 |
| Retained earnings to average equity (ytd only) | 2.7238% | 3,499 |
| Net charge-offs to loans | 0.0006% | 3,418 |
| Credit loss provision to net charge-offs | 1,000.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 3,230.0000% | 28 |
| Efficiency ratio | 62.4160% | 3,054 |
| Assets per employee ($millions) | 5.2259% | 3,122 |
| Cash dividends to net income (ytd only)* | 79.1925% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 1,935 |
| Loan loss allowance to noncurrent loans | 765.2174% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 3,694 |
| Noncurrent loans to loans | 0.1842% | 3,554 |
| Net loans and leases to total assets | 63.8110% | 2,387 |
| Net loans and leases to deposits | 72.2518% | 2,656 |
| Net loans and leases to core deposits | 77.0522% | 2,632 |
| Total domestic deposits to total assets | 88.3174% | 1,319 |
| Equity capital to assets | 10.0174% | 3,123 |
| Core capital (leverage) ratio | 9.2104% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,927,400 | 2,726 |
| Average earning assets | $206,414,000 | 2,773 |
| Average equity | $24,597,800 | 2,835 |
| Average total loans | $165,681,400 | 2,520 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8489% | 806 |
| Cost of funding earning assets | 0.8016% | 1,490 |
| Net interest margin | 4.0473% | 1,015 |
| Noninterest income to average assets | 0.2035% | 4,255 |
| Noninterest expense to average assets | 2.4661% | 2,946 |
| Loan and lease loss provision to assets | 0.0058% | 4,207 |
| Net operating income to assets | 1.3617% | 1,194 |
| Return on assets (ROA) | 1.3617% | 1,296 |
| Pretax return on assets | 1.3617% | 1,846 |
| Return on Equity (ROE) | 12.4364% | 1,265 |
| Retained earnings to average equity (ytd only) | 1.2643% | 4,164 |
| Net charge-offs to loans | -0.0040% | 4,007 |
| Credit loss provision to net charge-offs | -200.0000% | 3,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8482% | 2,935 |
| Assets per employee ($millions) | 5.0119% | 3,234 |
| Cash dividends to net income (ytd only)* | 89.8335% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 1,843 |
| Loan loss allowance to noncurrent loans | 862.7820% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 3,870 |
| Noncurrent loans to loans | 0.1595% | 3,744 |
| Net loans and leases to total assets | 69.8199% | 1,980 |
| Net loans and leases to deposits | 79.6080% | 2,358 |
| Net loans and leases to core deposits | 84.9103% | 2,390 |
| Total domestic deposits to total assets | 87.7046% | 1,340 |
| Equity capital to assets | 10.4806% | 2,808 |
| Core capital (leverage) ratio | 9.6069% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,448,250 | 2,746 |
| Average earning assets | $200,425,500 | 2,804 |
| Average equity | $24,465,250 | 2,834 |
| Average total loans | $166,513,250 | 2,520 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0188% | 798 |
| Cost of funding earning assets | 0.8434% | 1,621 |
| Net interest margin | 4.1753% | 976 |
| Noninterest income to average assets | 0.1914% | 4,321 |
| Noninterest expense to average assets | 2.5186% | 2,912 |
| Loan and lease loss provision to assets | 0.0091% | 4,089 |
| Net operating income to assets | 1.3956% | 1,126 |
| Return on assets (ROA) | 1.3956% | 1,214 |
| Pretax return on assets | 1.3956% | 1,737 |
| Return on Equity (ROE) | 12.5538% | 1,207 |
| Retained earnings to average equity (ytd only) | 3.9441% | 2,941 |
| Net charge-offs to loans | -0.0072% | 4,110 |
| Credit loss provision to net charge-offs | -166.6667% | 3,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7323% | 3,002 |
| Assets per employee ($millions) | 4.9638% | 3,211 |
| Cash dividends to net income (ytd only)* | 68.5826% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 2,006 |
| Loan loss allowance to noncurrent loans | 238.3178% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 2,643 |
| Noncurrent loans to loans | 0.5450% | 2,539 |
| Net loans and leases to total assets | 74.7564% | 1,309 |
| Net loans and leases to deposits | 85.4646% | 1,829 |
| Net loans and leases to core deposits | 91.0808% | 1,984 |
| Total domestic deposits to total assets | 87.4706% | 1,428 |
| Equity capital to assets | 10.6871% | 2,586 |
| Core capital (leverage) ratio | 10.2231% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,411,333 | 2,760 |
| Average earning assets | $196,103,333 | 2,820 |
| Average equity | $24,391,000 | 2,825 |
| Average total loans | $166,430,333 | 2,504 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2458% | 609 |
| Cost of funding earning assets | 0.8715% | 2,008 |
| Net interest margin | 4.3743% | 658 |
| Noninterest income to average assets | 0.2184% | 4,243 |
| Noninterest expense to average assets | 2.6395% | 2,858 |
| Loan and lease loss provision to assets | 0.0188% | 3,556 |
| Net operating income to assets | 1.4440% | 894 |
| Return on assets (ROA) | 1.4440% | 967 |
| Pretax return on assets | 1.4440% | 1,452 |
| Return on Equity (ROE) | 12.7197% | 930 |
| Retained earnings to average equity (ytd only) | 1.1111% | 3,712 |
| Net charge-offs to loans | 0.0074% | 2,301 |
| Credit loss provision to net charge-offs | 333.3333% | 1,098 |
| Earnings coverage of net charge-offs (x) | 259.0000% | 269 |
| Efficiency ratio | 62.8729% | 3,386 |
| Assets per employee ($millions) | 4.6051% | 3,127 |
| Cash dividends to net income (ytd only)* | 91.2647% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,652 |
| Loan loss allowance to noncurrent loans | 114.3000% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 1,441 |
| Noncurrent loans to loans | 1.2367% | 1,316 |
| Net loans and leases to total assets | 73.6608% | 1,667 |
| Net loans and leases to deposits | 84.7095% | 2,139 |
| Net loans and leases to core deposits | 92.0470% | 2,150 |
| Total domestic deposits to total assets | 86.9570% | 1,576 |
| Equity capital to assets | 11.1362% | 2,743 |
| Core capital (leverage) ratio | 10.5968% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,467,500 | 2,771 |
| Average earning assets | $188,647,000 | 2,840 |
| Average equity | $24,120,000 | 2,841 |
| Average total loans | $161,295,000 | 2,530 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5123% | 550 |
| Cost of funding earning assets | 0.8678% | 2,344 |
| Net interest margin | 4.6444% | 531 |
| Noninterest income to average assets | 0.3308% | 3,724 |
| Noninterest expense to average assets | 2.4898% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9857% | 367 |
| Return on assets (ROA) | 1.9882% | 378 |
| Pretax return on assets | 1.9882% | 613 |
| Return on Equity (ROE) | 17.1259% | 406 |
| Retained earnings to average equity (ytd only) | 5.8171% | 1,970 |
| Net charge-offs to loans | 0.0250% | 2,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 103.7436% | 660 |
| Efficiency ratio | 54.2384% | 4,400 |
| Assets per employee ($millions) | 4.4361% | 3,322 |
| Cash dividends to net income (ytd only)* | 66.0331% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,465 |
| Loan loss allowance to noncurrent loans | 432.4478% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 3,423 |
| Noncurrent loans to loans | 0.3276% | 3,266 |
| Net loans and leases to total assets | 76.0658% | 1,401 |
| Net loans and leases to deposits | 91.1979% | 1,464 |
| Net loans and leases to core deposits | 96.3816% | 1,870 |
| Total domestic deposits to total assets | 83.4074% | 3,064 |
| Equity capital to assets | 11.5767% | 2,464 |
| Core capital (leverage) ratio | 10.7717% | 2,698 |
| Tier 1 risk-based capital ratio | 12.1692% | 4,261 |
| Total risk-based capital ratio | 13.4193% | 4,153 |
| Memoranda: | ||
| Average total assets | $203,752,600 | 2,812 |
| Average earning assets | $181,830,000 | 2,869 |
| Average equity | $23,654,200 | 2,827 |
| Average total loans | $156,202,600 | 2,557 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5695% | 524 |
| Cost of funding earning assets | 0.8368% | 2,525 |
| Net interest margin | 4.7327% | 468 |
| Noninterest income to average assets | 0.2185% | 4,423 |
| Noninterest expense to average assets | 2.2820% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.1655% | 289 |
| Return on assets (ROA) | 2.1655% | 303 |
| Pretax return on assets | 2.1655% | 485 |
| Return on Equity (ROE) | 18.6396% | 343 |
| Retained earnings to average equity (ytd only) | 9.1499% | 1,007 |
| Net charge-offs to loans | 0.0112% | 2,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 253.1194% | 364 |
| Efficiency ratio | 49.9038% | 4,752 |
| Assets per employee ($millions) | 5.3242% | 2,187 |
| Cash dividends to net income (ytd only)* | 50.9119% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 1,416 |
| Loan loss allowance to noncurrent loans | 153.3599% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 1,893 |
| Noncurrent loans to loans | 0.9409% | 1,710 |
| Net loans and leases to total assets | 75.8227% | 1,519 |
| Net loans and leases to deposits | 97.4662% | 877 |
| Net loans and leases to core deposits | 102.9894% | 1,412 |
| Total domestic deposits to total assets | 77.7938% | 4,386 |
| Equity capital to assets | 11.7648% | 2,441 |
| Core capital (leverage) ratio | 10.8743% | 2,767 |
| Tier 1 risk-based capital ratio | 12.6050% | 4,078 |
| Total risk-based capital ratio | 13.8558% | 3,957 |
| Memoranda: | ||
| Average total assets | $202,566,500 | 2,841 |
| Average earning assets | $181,006,000 | 2,895 |
| Average equity | $23,533,500 | 2,848 |
| Average total loans | $155,034,750 | 2,597 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5344% | 535 |
| Cost of funding earning assets | 0.7571% | 2,861 |
| Net interest margin | 4.7773% | 425 |
| Noninterest income to average assets | 0.2151% | 4,453 |
| Noninterest expense to average assets | 2.3229% | 3,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1705% | 282 |
| Return on assets (ROA) | 2.1705% | 295 |
| Pretax return on assets | 2.1705% | 474 |
| Return on Equity (ROE) | 18.7648% | 332 |
| Retained earnings to average equity (ytd only) | 12.3090% | 374 |
| Net charge-offs to loans | 0.0130% | 2,667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 369 |
| Efficiency ratio | 50.2991% | 4,766 |
| Assets per employee ($millions) | 5.2002% | 2,256 |
| Cash dividends to net income (ytd only)* | 34.4037% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,390 |
| Loan loss allowance to noncurrent loans | 152.3432% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7470% | 1,867 |
| Noncurrent loans to loans | 0.9582% | 1,701 |
| Net loans and leases to total assets | 76.8192% | 1,413 |
| Net loans and leases to deposits | 96.9622% | 936 |
| Net loans and leases to core deposits | 101.1288% | 1,623 |
| Total domestic deposits to total assets | 79.2260% | 4,175 |
| Equity capital to assets | 11.9173% | 2,257 |
| Core capital (leverage) ratio | 11.1349% | 2,476 |
| Tier 1 risk-based capital ratio | 12.6545% | 4,044 |
| Total risk-based capital ratio | 13.9054% | 3,934 |
| Memoranda: | ||
| Average total assets | $200,873,670 | 2,866 |
| Average earning assets | $179,891,670 | 2,920 |
| Average equity | $23,235,000 | 2,862 |
| Average total loans | $153,464,000 | 2,623 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5461% | 482 |
| Cost of funding earning assets | 0.6978% | 3,067 |
| Net interest margin | 4.8484% | 372 |
| Noninterest income to average assets | 0.2101% | 4,489 |
| Noninterest expense to average assets | 2.4291% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1050% | 317 |
| Return on assets (ROA) | 2.1050% | 332 |
| Pretax return on assets | 2.1050% | 518 |
| Return on Equity (ROE) | 18.4821% | 363 |
| Retained earnings to average equity (ytd only) | 12.7723% | 493 |
| Net charge-offs to loans | 0.0132% | 2,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 210.4000% | 369 |
| Efficiency ratio | 52.1624% | 4,686 |
| Assets per employee ($millions) | 5.0297% | 2,477 |
| Cash dividends to net income (ytd only)* | 30.8935% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,186 |
| Loan loss allowance to noncurrent loans | 217.7966% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 2,472 |
| Noncurrent loans to loans | 0.7113% | 2,247 |
| Net loans and leases to total assets | 74.9319% | 1,655 |
| Net loans and leases to deposits | 86.4262% | 2,082 |
| Net loans and leases to core deposits | 90.1555% | 2,486 |
| Total domestic deposits to total assets | 86.7005% | 1,959 |
| Equity capital to assets | 11.8716% | 2,104 |
| Core capital (leverage) ratio | 10.8631% | 2,708 |
| Tier 1 risk-based capital ratio | 12.7312% | 4,023 |
| Total risk-based capital ratio | 13.9826% | 3,919 |
| Memoranda: | ||
| Average total assets | $199,907,500 | 2,903 |
| Average earning assets | $178,286,500 | 2,968 |
| Average equity | $22,768,000 | 2,904 |
| Average total loans | $151,145,000 | 2,676 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2230% | 668 |
| Cost of funding earning assets | 0.6211% | 2,582 |
| Net interest margin | 4.6019% | 602 |
| Noninterest income to average assets | 0.3192% | 3,978 |
| Noninterest expense to average assets | 2.3714% | 3,955 |
| Loan and lease loss provision to assets | 0.0779% | 2,567 |
| Net operating income to assets | 1.9738% | 383 |
| Return on assets (ROA) | 1.9733% | 382 |
| Pretax return on assets | 1.9733% | 592 |
| Return on Equity (ROE) | 17.9378% | 395 |
| Retained earnings to average equity (ytd only) | 3.3628% | 3,734 |
| Net charge-offs to loans | 0.0287% | 2,828 |
| Credit loss provision to net charge-offs | 360.4651% | 888 |
| Earnings coverage of net charge-offs (x) | 94.9302% | 764 |
| Efficiency ratio | 52.1705% | 4,783 |
| Assets per employee ($millions) | 5.0914% | 2,388 |
| Cash dividends to net income (ytd only)* | 81.2532% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,243 |
| Loan loss allowance to noncurrent loans | 153.6117% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 1,876 |
| Noncurrent loans to loans | 0.9863% | 1,648 |
| Net loans and leases to total assets | 73.9842% | 1,937 |
| Net loans and leases to deposits | 87.0098% | 2,162 |
| Net loans and leases to core deposits | 90.8167% | 2,504 |
| Total domestic deposits to total assets | 85.0297% | 2,638 |
| Equity capital to assets | 10.9247% | 2,764 |
| Core capital (leverage) ratio | 10.0627% | 3,505 |
| Tier 1 risk-based capital ratio | 12.0426% | 4,400 |
| Total risk-based capital ratio | 13.2942% | 4,283 |
| Memoranda: | ||
| Average total assets | $198,956,200 | 2,886 |
| Average earning assets | $177,425,600 | 2,949 |
| Average equity | $21,886,800 | 2,902 |
| Average total loans | $149,692,000 | 2,643 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 723 |
| Cost of funding earning assets | 0.5467% | 2,878 |
| Net interest margin | 4.5781% | 624 |
| Noninterest income to average assets | 0.2359% | 4,561 |
| Noninterest expense to average assets | 2.2529% | 4,208 |
| Loan and lease loss provision to assets | 0.0910% | 2,156 |
| Net operating income to assets | 1.9732% | 406 |
| Return on assets (ROA) | 1.9725% | 403 |
| Pretax return on assets | 1.9725% | 665 |
| Return on Equity (ROE) | 17.8987% | 436 |
| Retained earnings to average equity (ytd only) | 3.8905% | 3,827 |
| Net charge-offs to loans | 0.0304% | 2,485 |
| Credit loss provision to net charge-offs | 397.0588% | 832 |
| Earnings coverage of net charge-offs (x) | 90.0631% | 819 |
| Efficiency ratio | 50.7027% | 4,906 |
| Assets per employee ($millions) | 5.0667% | 2,382 |
| Cash dividends to net income (ytd only)* | 78.2638% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 1,425 |
| Loan loss allowance to noncurrent loans | 183.5322% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 2,325 |
| Noncurrent loans to loans | 0.8055% | 2,095 |
| Net loans and leases to total assets | 75.8592% | 1,677 |
| Net loans and leases to deposits | 96.9730% | 1,043 |
| Net loans and leases to core deposits | 101.0862% | 1,691 |
| Total domestic deposits to total assets | 78.2271% | 4,454 |
| Equity capital to assets | 10.7846% | 2,858 |
| Core capital (leverage) ratio | 10.1685% | 3,445 |
| Tier 1 risk-based capital ratio | 11.9857% | 4,511 |
| Total risk-based capital ratio | 13.2371% | 4,393 |
| Memoranda: | ||
| Average total assets | $197,781,000 | 2,912 |
| Average earning assets | $176,312,250 | 2,983 |
| Average equity | $21,796,250 | 2,930 |
| Average total loans | $148,867,000 | 2,672 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9941% | 840 |
| Cost of funding earning assets | 0.4539% | 3,325 |
| Net interest margin | 4.5402% | 638 |
| Noninterest income to average assets | 0.2335% | 4,619 |
| Noninterest expense to average assets | 2.2768% | 4,197 |
| Loan and lease loss provision to assets | 0.1173% | 1,687 |
| Net operating income to assets | 1.8781% | 493 |
| Return on assets (ROA) | 1.8771% | 488 |
| Pretax return on assets | 1.8771% | 819 |
| Return on Equity (ROE) | 16.9085% | 535 |
| Retained earnings to average equity (ytd only) | 1.8461% | 4,503 |
| Net charge-offs to loans | -0.0027% | 3,997 |
| Credit loss provision to net charge-offs | -5,750.0000% | 4,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7661% | 4,913 |
| Assets per employee ($millions) | 5.3029% | 2,099 |
| Cash dividends to net income (ytd only)* | 89.0820% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 1,389 |
| Loan loss allowance to noncurrent loans | 1,968.6441% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 4,727 |
| Noncurrent loans to loans | 0.0763% | 4,578 |
| Net loans and leases to total assets | 75.5949% | 1,700 |
| Net loans and leases to deposits | 95.3977% | 1,209 |
| Net loans and leases to core deposits | 99.0185% | 1,814 |
| Total domestic deposits to total assets | 79.2418% | 4,385 |
| Equity capital to assets | 10.7235% | 2,907 |
| Core capital (leverage) ratio | 10.3442% | 3,189 |
| Tier 1 risk-based capital ratio | 11.7535% | 4,650 |
| Total risk-based capital ratio | 13.0049% | 4,527 |
| Memoranda: | ||
| Average total assets | $196,151,670 | 2,941 |
| Average earning assets | $174,485,000 | 3,014 |
| Average equity | $21,776,000 | 2,940 |
| Average total loans | $146,472,670 | 2,711 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9233% | 826 |
| Cost of funding earning assets | 0.4198% | 3,445 |
| Net interest margin | 4.5035% | 613 |
| Noninterest income to average assets | 0.2088% | 4,766 |
| Noninterest expense to average assets | 2.3218% | 4,140 |
| Loan and lease loss provision to assets | 0.1861% | 916 |
| Net operating income to assets | 1.6933% | 694 |
| Return on assets (ROA) | 1.6933% | 703 |
| Pretax return on assets | 1.6933% | 1,133 |
| Return on Equity (ROE) | 14.9866% | 805 |
| Retained earnings to average equity (ytd only) | 10.4119% | 1,040 |
| Net charge-offs to loans | -0.0309% | 4,757 |
| Credit loss provision to net charge-offs | -818.1818% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6909% | 4,828 |
| Assets per employee ($millions) | 4.9290% | 2,570 |
| Cash dividends to net income (ytd only)* | 30.5250% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 1,018 |
| Loan loss allowance to noncurrent loans | 571.0396% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 4,042 |
| Noncurrent loans to loans | 0.2918% | 3,727 |
| Net loans and leases to total assets | 70.8233% | 2,357 |
| Net loans and leases to deposits | 80.2694% | 2,778 |
| Net loans and leases to core deposits | 83.1262% | 3,051 |
| Total domestic deposits to total assets | 88.2319% | 1,489 |
| Equity capital to assets | 11.4450% | 2,177 |
| Core capital (leverage) ratio | 10.6751% | 2,763 |
| Tier 1 risk-based capital ratio | 12.7780% | 4,071 |
| Total risk-based capital ratio | 14.0306% | 3,960 |
| Memoranda: | ||
| Average total assets | $193,472,000 | 2,996 |
| Average earning assets | $171,509,500 | 3,077 |
| Average equity | $21,859,500 | 2,968 |
| Average total loans | $142,381,500 | 2,785 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9046% | 786 |
| Cost of funding earning assets | 0.4734% | 2,570 |
| Net interest margin | 4.4312% | 712 |
| Noninterest income to average assets | 0.3603% | 3,891 |
| Noninterest expense to average assets | 2.3629% | 4,171 |
| Loan and lease loss provision to assets | 0.1445% | 1,575 |
| Net operating income to assets | 1.7787% | 446 |
| Return on assets (ROA) | 1.7807% | 452 |
| Pretax return on assets | 1.7807% | 831 |
| Return on Equity (ROE) | 16.5870% | 426 |
| Retained earnings to average equity (ytd only) | 5.2905% | 1,942 |
| Net charge-offs to loans | 0.0122% | 3,655 |
| Credit loss provision to net charge-offs | 1,588.8889% | 246 |
| Earnings coverage of net charge-offs (x) | 211.4444% | 381 |
| Efficiency ratio | 53.6312% | 4,977 |
| Assets per employee ($millions) | 4.6360% | 2,969 |
| Cash dividends to net income (ytd only)* | 68.1044% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,385 |
| Loan loss allowance to noncurrent loans | 2,792.4051% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 4,930 |
| Noncurrent loans to loans | 0.0540% | 4,754 |
| Net loans and leases to total assets | 74.0093% | 1,924 |
| Net loans and leases to deposits | 87.1209% | 2,114 |
| Net loans and leases to core deposits | 90.0111% | 2,570 |
| Total domestic deposits to total assets | 84.9501% | 2,854 |
| Equity capital to assets | 11.1539% | 2,484 |
| Core capital (leverage) ratio | 9.9858% | 3,476 |
| Tier 1 risk-based capital ratio | 12.3019% | 4,330 |
| Total risk-based capital ratio | 13.5534% | 4,238 |
| Memoranda: | ||
| Average total assets | $197,896,200 | 2,939 |
| Average earning assets | $175,326,200 | 3,008 |
| Average equity | $21,245,600 | 3,016 |
| Average total loans | $147,633,000 | 2,678 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 930 |
| Cost of funding earning assets | 0.4473% | 2,741 |
| Net interest margin | 4.3504% | 820 |
| Noninterest income to average assets | 0.2443% | 4,739 |
| Noninterest expense to average assets | 2.1768% | 4,575 |
| Loan and lease loss provision to assets | 0.1490% | 1,409 |
| Net operating income to assets | 1.7756% | 488 |
| Return on assets (ROA) | 1.7789% | 498 |
| Pretax return on assets | 1.7789% | 928 |
| Return on Equity (ROE) | 16.7298% | 460 |
| Retained earnings to average equity (ytd only) | 6.6326% | 1,889 |
| Net charge-offs to loans | 0.0135% | 3,255 |
| Credit loss provision to net charge-offs | 1,480.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 191.1950% | 454 |
| Efficiency ratio | 51.5216% | 5,140 |
| Assets per employee ($millions) | 5.3711% | 2,046 |
| Cash dividends to net income (ytd only)* | 60.3546% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 1,938 |
| Loan loss allowance to noncurrent loans | 5,644.7368% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 5,159 |
| Noncurrent loans to loans | 0.0246% | 5,010 |
| Net loans and leases to total assets | 74.5938% | 1,822 |
| Net loans and leases to deposits | 98.9317% | 828 |
| Net loans and leases to core deposits | 101.7674% | 1,560 |
| Total domestic deposits to total assets | 75.3993% | 5,087 |
| Equity capital to assets | 10.6712% | 3,193 |
| Core capital (leverage) ratio | 9.9377% | 3,641 |
| Tier 1 risk-based capital ratio | 11.8143% | 4,759 |
| Total risk-based capital ratio | 13.0650% | 4,628 |
| Memoranda: | ||
| Average total assets | $198,692,250 | 2,962 |
| Average earning assets | $176,161,750 | 3,027 |
| Average equity | $21,127,500 | 3,050 |
| Average total loans | $147,963,500 | 2,691 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 1,085 |
| Cost of funding earning assets | 0.4126% | 2,957 |
| Net interest margin | 4.2728% | 931 |
| Noninterest income to average assets | 0.2458% | 4,768 |
| Noninterest expense to average assets | 2.2083% | 4,550 |
| Loan and lease loss provision to assets | 0.1767% | 1,085 |
| Net operating income to assets | 1.6476% | 630 |
| Return on assets (ROA) | 1.6527% | 644 |
| Pretax return on assets | 1.6527% | 1,186 |
| Return on Equity (ROE) | 15.5619% | 590 |
| Retained earnings to average equity (ytd only) | 6.4754% | 1,861 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1486% | 5,085 |
| Assets per employee ($millions) | 4.9646% | 2,433 |
| Cash dividends to net income (ytd only)* | 58.3897% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 1,914 |
| Loan loss allowance to noncurrent loans | 3,705.2632% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 5,150 |
| Noncurrent loans to loans | 0.0380% | 5,001 |
| Net loans and leases to total assets | 74.3998% | 1,799 |
| Net loans and leases to deposits | 92.7831% | 1,386 |
| Net loans and leases to core deposits | 96.2797% | 1,959 |
| Total domestic deposits to total assets | 80.1867% | 4,366 |
| Equity capital to assets | 10.8040% | 3,032 |
| Core capital (leverage) ratio | 10.0738% | 3,439 |
| Tier 1 risk-based capital ratio | 11.7253% | 4,826 |
| Total risk-based capital ratio | 12.9758% | 4,704 |
| Memoranda: | ||
| Average total assets | $196,889,670 | 2,994 |
| Average earning assets | $174,500,330 | 3,056 |
| Average equity | $20,910,000 | 3,069 |
| Average total loans | $145,821,000 | 2,717 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 1,173 |
| Cost of funding earning assets | 0.3885% | 3,113 |
| Net interest margin | 4.1977% | 995 |
| Noninterest income to average assets | 0.2000% | 5,069 |
| Noninterest expense to average assets | 2.2118% | 4,608 |
| Loan and lease loss provision to assets | 0.3550% | 331 |
| Net operating income to assets | 1.3364% | 1,149 |
| Return on assets (ROA) | 1.3344% | 1,189 |
| Pretax return on assets | 1.3344% | 2,122 |
| Return on Equity (ROE) | 12.6760% | 1,068 |
| Retained earnings to average equity (ytd only) | 7.8304% | 1,533 |
| Net charge-offs to loans | -0.0111% | 4,475 |
| Credit loss provision to net charge-offs | -4,350.0000% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9922% | 5,043 |
| Assets per employee ($millions) | 4.7568% | 2,760 |
| Cash dividends to net income (ytd only)* | 38.2263% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 1,666 |
| Loan loss allowance to noncurrent loans | 1,763.3333% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 5,027 |
| Noncurrent loans to loans | 0.0855% | 4,851 |
| Net loans and leases to total assets | 72.6124% | 1,987 |
| Net loans and leases to deposits | 81.8533% | 2,530 |
| Net loans and leases to core deposits | 85.0703% | 2,807 |
| Total domestic deposits to total assets | 88.7104% | 1,313 |
| Equity capital to assets | 11.0106% | 2,616 |
| Core capital (leverage) ratio | 9.9682% | 3,540 |
| Tier 1 risk-based capital ratio | 11.8424% | 4,819 |
| Total risk-based capital ratio | 13.0935% | 4,727 |
| Memoranda: | ||
| Average total assets | $196,042,500 | 3,035 |
| Average earning assets | $172,951,000 | 3,099 |
| Average equity | $20,637,500 | 3,107 |
| Average total loans | $143,802,500 | 2,766 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 1,386 |
| Cost of funding earning assets | 0.4068% | 2,937 |
| Net interest margin | 4.1511% | 1,240 |
| Noninterest income to average assets | 0.3871% | 3,982 |
| Noninterest expense to average assets | 2.3185% | 4,516 |
| Loan and lease loss provision to assets | 0.1627% | 1,519 |
| Net operating income to assets | 1.6066% | 669 |
| Return on assets (ROA) | 1.6145% | 682 |
| Pretax return on assets | 1.6145% | 1,237 |
| Return on Equity (ROE) | 15.8647% | 521 |
| Retained earnings to average equity (ytd only) | 4.6201% | 2,619 |
| Net charge-offs to loans | 0.0212% | 3,624 |
| Credit loss provision to net charge-offs | 1,054.8387% | 367 |
| Earnings coverage of net charge-offs (x) | 114.7097% | 529 |
| Efficiency ratio | 55.0633% | 5,144 |
| Assets per employee ($millions) | 4.5867% | 2,990 |
| Cash dividends to net income (ytd only)* | 70.8783% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 2,458 |
| Loan loss allowance to noncurrent loans | 1,828.3019% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 5,132 |
| Noncurrent loans to loans | 0.0719% | 4,949 |
| Net loans and leases to total assets | 72.0419% | 2,161 |
| Net loans and leases to deposits | 85.1494% | 2,287 |
| Net loans and leases to core deposits | 88.4545% | 2,633 |
| Total domestic deposits to total assets | 84.6065% | 3,206 |
| Equity capital to assets | 10.0712% | 3,650 |
| Core capital (leverage) ratio | 9.4857% | 4,101 |
| Tier 1 risk-based capital ratio | 11.3442% | 5,145 |
| Total risk-based capital ratio | 12.5215% | 5,082 |
| Memoranda: | ||
| Average total assets | $200,989,000 | 2,943 |
| Average earning assets | $179,182,200 | 3,026 |
| Average equity | $20,454,200 | 3,122 |
| Average total loans | $145,916,400 | 2,696 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5336% | 1,443 |
| Cost of funding earning assets | 0.4014% | 3,010 |
| Net interest margin | 4.1322% | 1,301 |
| Noninterest income to average assets | 0.2689% | 4,850 |
| Noninterest expense to average assets | 2.2445% | 4,661 |
| Loan and lease loss provision to assets | 0.1627% | 1,418 |
| Net operating income to assets | 1.5599% | 782 |
| Return on assets (ROA) | 1.5705% | 805 |
| Pretax return on assets | 1.5705% | 1,464 |
| Return on Equity (ROE) | 15.3918% | 624 |
| Retained earnings to average equity (ytd only) | 5.6296% | 2,411 |
| Net charge-offs to loans | 0.0183% | 3,348 |
| Credit loss provision to net charge-offs | 1,225.0000% | 342 |
| Earnings coverage of net charge-offs (x) | 129.6805% | 527 |
| Efficiency ratio | 54.8376% | 5,169 |
| Assets per employee ($millions) | 4.6300% | 2,871 |
| Cash dividends to net income (ytd only)* | 63.4250% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 3,024 |
| Loan loss allowance to noncurrent loans | 1,244.6667% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 5,139 |
| Noncurrent loans to loans | 0.0994% | 4,943 |
| Net loans and leases to total assets | 73.1293% | 2,006 |
| Net loans and leases to deposits | 95.4804% | 1,099 |
| Net loans and leases to core deposits | 97.5824% | 1,853 |
| Total domestic deposits to total assets | 76.5909% | 5,151 |
| Equity capital to assets | 10.3284% | 3,772 |
| Core capital (leverage) ratio | 9.3599% | 4,378 |
| Tier 1 risk-based capital ratio | 11.0747% | 5,337 |
| Total risk-based capital ratio | 12.1877% | 5,319 |
| Memoranda: | ||
| Average total assets | $200,783,000 | 2,955 |
| Average earning assets | $179,690,250 | 3,026 |
| Average equity | $20,486,500 | 3,149 |
| Average total loans | $145,563,500 | 2,701 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 1,505 |
| Cost of funding earning assets | 0.3906% | 3,145 |
| Net interest margin | 4.1112% | 1,338 |
| Noninterest income to average assets | 0.2833% | 4,757 |
| Noninterest expense to average assets | 2.2862% | 4,645 |
| Loan and lease loss provision to assets | 0.1652% | 1,360 |
| Net operating income to assets | 1.5085% | 877 |
| Return on assets (ROA) | 1.5085% | 923 |
| Pretax return on assets | 1.5085% | 1,647 |
| Return on Equity (ROE) | 14.8461% | 692 |
| Retained earnings to average equity (ytd only) | 4.9947% | 2,745 |
| Net charge-offs to loans | 0.0097% | 3,369 |
| Credit loss provision to net charge-offs | 2,357.1429% | 185 |
| Earnings coverage of net charge-offs (x) | 238.8571% | 274 |
| Efficiency ratio | 55.9403% | 5,151 |
| Assets per employee ($millions) | 5.0175% | 2,278 |
| Cash dividends to net income (ytd only)* | 66.3570% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 3,213 |
| Loan loss allowance to noncurrent loans | 725.8065% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 5,017 |
| Noncurrent loans to loans | 0.1689% | 4,764 |
| Net loans and leases to total assets | 72.2490% | 2,125 |
| Net loans and leases to deposits | 91.2824% | 1,596 |
| Net loans and leases to core deposits | 92.6578% | 2,290 |
| Total domestic deposits to total assets | 79.1489% | 4,740 |
| Equity capital to assets | 10.3498% | 3,796 |
| Core capital (leverage) ratio | 9.3020% | 4,457 |
| Tier 1 risk-based capital ratio | 10.9676% | 5,437 |
| Total risk-based capital ratio | 12.0525% | 5,448 |
| Memoranda: | ||
| Average total assets | $199,804,000 | 2,980 |
| Average earning assets | $178,682,670 | 3,057 |
| Average equity | $20,301,670 | 3,166 |
| Average total loans | $143,802,670 | 2,726 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 1,632 |
| Cost of funding earning assets | 0.3815% | 3,276 |
| Net interest margin | 4.0773% | 1,405 |
| Noninterest income to average assets | 0.3150% | 4,472 |
| Noninterest expense to average assets | 2.2613% | 4,758 |
| Loan and lease loss provision to assets | 0.1665% | 1,242 |
| Net operating income to assets | 1.5329% | 802 |
| Return on assets (ROA) | 1.5329% | 845 |
| Pretax return on assets | 1.5329% | 1,496 |
| Return on Equity (ROE) | 15.2294% | 632 |
| Retained earnings to average equity (ytd only) | 8.2526% | 1,353 |
| Net charge-offs to loans | 0.0141% | 2,661 |
| Credit loss provision to net charge-offs | 1,660.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 169.4000% | 359 |
| Efficiency ratio | 55.2685% | 5,255 |
| Assets per employee ($millions) | 4.9595% | 2,386 |
| Cash dividends to net income (ytd only)* | 45.8115% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 3,364 |
| Loan loss allowance to noncurrent loans | 524.3902% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 4,909 |
| Noncurrent loans to loans | 0.2325% | 4,599 |
| Net loans and leases to total assets | 70.2502% | 2,299 |
| Net loans and leases to deposits | 84.9301% | 2,201 |
| Net loans and leases to core deposits | 86.7023% | 2,686 |
| Total domestic deposits to total assets | 82.7153% | 3,998 |
| Equity capital to assets | 10.2733% | 3,771 |
| Core capital (leverage) ratio | 9.3396% | 4,443 |
| Tier 1 risk-based capital ratio | 11.2120% | 5,389 |
| Total risk-based capital ratio | 12.2785% | 5,400 |
| Memoranda: | ||
| Average total assets | $199,356,500 | 2,994 |
| Average earning assets | $178,253,500 | 3,068 |
| Average equity | $20,066,500 | 3,191 |
| Average total loans | $142,302,500 | 2,745 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 1,621 |
| Cost of funding earning assets | 0.3796% | 3,373 |
| Net interest margin | 4.1129% | 1,380 |
| Noninterest income to average assets | 0.5648% | 2,932 |
| Noninterest expense to average assets | 2.3673% | 4,597 |
| Loan and lease loss provision to assets | 0.1724% | 1,326 |
| Net operating income to assets | 1.7596% | 517 |
| Return on assets (ROA) | 1.7623% | 530 |
| Pretax return on assets | 1.7623% | 868 |
| Return on Equity (ROE) | 18.0779% | 372 |
| Retained earnings to average equity (ytd only) | 6.3814% | 1,615 |
| Net charge-offs to loans | -0.0120% | 5,152 |
| Credit loss provision to net charge-offs | -2,031.2500% | 5,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7067% | 5,537 |
| Assets per employee ($millions) | 4.5531% | 2,959 |
| Cash dividends to net income (ytd only)* | 64.7006% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 3,787 |
| Loan loss allowance to noncurrent loans | 41,050.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,727 |
| Noncurrent loans to loans | 0.0028% | 5,553 |
| Net loans and leases to total assets | 70.8224% | 2,242 |
| Net loans and leases to deposits | 86.6487% | 2,044 |
| Net loans and leases to core deposits | 88.4579% | 2,559 |
| Total domestic deposits to total assets | 81.7351% | 4,247 |
| Equity capital to assets | 9.8600% | 4,123 |
| Core capital (leverage) ratio | 9.0954% | 4,760 |
| Tier 1 risk-based capital ratio | 10.9921% | 5,526 |
| Total risk-based capital ratio | 12.0014% | 5,561 |
| Memoranda: | ||
| Average total assets | $188,565,600 | 3,070 |
| Average earning assets | $171,216,800 | 3,108 |
| Average equity | $18,381,600 | 3,328 |
| Average total loans | $133,796,400 | 2,823 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 1,806 |
| Cost of funding earning assets | 0.3785% | 3,457 |
| Net interest margin | 4.0534% | 1,548 |
| Noninterest income to average assets | 0.5107% | 3,293 |
| Noninterest expense to average assets | 2.2346% | 4,952 |
| Loan and lease loss provision to assets | 0.1659% | 1,279 |
| Net operating income to assets | 1.8022% | 519 |
| Return on assets (ROA) | 1.8015% | 541 |
| Pretax return on assets | 1.8015% | 901 |
| Return on Equity (ROE) | 18.5374% | 366 |
| Retained earnings to average equity (ytd only) | 8.5591% | 1,041 |
| Net charge-offs to loans | -0.0122% | 5,053 |
| Credit loss provision to net charge-offs | -1,925.0000% | 5,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8886% | 5,660 |
| Assets per employee ($millions) | 4.6279% | 2,798 |
| Cash dividends to net income (ytd only)* | 53.8278% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 4,343 |
| Loan loss allowance to noncurrent loans | 5,514.2857% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 5,746 |
| Noncurrent loans to loans | 0.0196% | 5,560 |
| Net loans and leases to total assets | 71.1184% | 2,214 |
| Net loans and leases to deposits | 90.2687% | 1,608 |
| Net loans and leases to core deposits | 92.2341% | 2,237 |
| Total domestic deposits to total assets | 78.7853% | 5,030 |
| Equity capital to assets | 9.9367% | 4,246 |
| Core capital (leverage) ratio | 8.9594% | 5,039 |
| Tier 1 risk-based capital ratio | 11.1444% | 5,580 |
| Total risk-based capital ratio | 12.1080% | 5,657 |
| Memoranda: | ||
| Average total assets | $185,623,250 | 3,133 |
| Average earning assets | $169,071,000 | 3,163 |
| Average equity | $18,038,750 | 3,406 |
| Average total loans | $131,364,500 | 2,880 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 2,078 |
| Cost of funding earning assets | 0.3647% | 3,653 |
| Net interest margin | 3.9676% | 1,744 |
| Noninterest income to average assets | 0.6679% | 2,369 |
| Noninterest expense to average assets | 2.3194% | 4,798 |
| Loan and lease loss provision to assets | 0.2153% | 887 |
| Net operating income to assets | 1.7487% | 572 |
| Return on assets (ROA) | 1.7476% | 601 |
| Pretax return on assets | 1.7476% | 982 |
| Return on Equity (ROE) | 18.1325% | 406 |
| Retained earnings to average equity (ytd only) | 9.5416% | 769 |
| Net charge-offs to loans | 0.0078% | 3,619 |
| Credit loss provision to net charge-offs | 3,900.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 355.8000% | 195 |
| Efficiency ratio | 53.1443% | 5,638 |
| Assets per employee ($millions) | 5.2019% | 2,034 |
| Cash dividends to net income (ytd only)* | 47.3784% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 4,716 |
| Loan loss allowance to noncurrent loans | 428.4483% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 5,189 |
| Noncurrent loans to loans | 0.2402% | 4,798 |
| Net loans and leases to total assets | 70.6767% | 2,215 |
| Net loans and leases to deposits | 89.3047% | 1,685 |
| Net loans and leases to core deposits | 90.6169% | 2,283 |
| Total domestic deposits to total assets | 79.1411% | 5,068 |
| Equity capital to assets | 9.4039% | 4,773 |
| Core capital (leverage) ratio | 8.9981% | 4,972 |
| Tier 1 risk-based capital ratio | 10.7870% | 5,811 |
| Total risk-based capital ratio | 11.7053% | 5,881 |
| Memoranda: | ||
| Average total assets | $181,164,670 | 3,202 |
| Average earning assets | $165,087,000 | 3,237 |
| Average equity | $17,460,330 | 3,504 |
| Average total loans | $127,463,000 | 2,958 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 2,957 |
| Cost of funding earning assets | 0.3421% | 3,965 |
| Net interest margin | 3.7269% | 2,523 |
| Noninterest income to average assets | 1.1696% | 838 |
| Noninterest expense to average assets | 2.3651% | 4,702 |
| Loan and lease loss provision to assets | 0.1761% | 1,101 |
| Net operating income to assets | 2.0316% | 322 |
| Return on assets (ROA) | 2.0316% | 338 |
| Pretax return on assets | 2.0316% | 553 |
| Return on Equity (ROE) | 20.7789% | 238 |
| Retained earnings to average equity (ytd only) | 14.7734% | 305 |
| Net charge-offs to loans | 0.0236% | 2,687 |
| Credit loss provision to net charge-offs | 1,071.4286% | 318 |
| Earnings coverage of net charge-offs (x) | 134.2857% | 390 |
| Efficiency ratio | 51.5152% | 5,841 |
| Assets per employee ($millions) | 4.4685% | 3,100 |
| Cash dividends to net income (ytd only)* | 28.9017% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 4,549 |
| Loan loss allowance to noncurrent loans | 3,602.6316% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 5,865 |
| Noncurrent loans to loans | 0.0304% | 5,676 |
| Net loans and leases to total assets | 64.4336% | 3,036 |
| Net loans and leases to deposits | 71.9167% | 3,540 |
| Net loans and leases to core deposits | 72.7817% | 3,894 |
| Total domestic deposits to total assets | 89.5948% | 946 |
| Equity capital to assets | 10.0575% | 4,084 |
| Core capital (leverage) ratio | 11.6001% | 1,927 |
| Tier 1 risk-based capital ratio | 11.8251% | 5,354 |
| Total risk-based capital ratio | 12.7617% | 5,468 |
| Memoranda: | ||
| Average total assets | $170,310,500 | 3,360 |
| Average earning assets | $155,518,000 | 3,386 |
| Average equity | $16,651,500 | 3,636 |
| Average total loans | $118,757,000 | 3,111 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 1,864 |
| Cost of funding earning assets | 0.3884% | 3,811 |
| Net interest margin | 4.1114% | 1,541 |
| Noninterest income to average assets | 0.3813% | 4,334 |
| Noninterest expense to average assets | 2.3739% | 4,910 |
| Loan and lease loss provision to assets | 0.1413% | 1,876 |
| Net operating income to assets | 1.6100% | 697 |
| Return on assets (ROA) | 1.6217% | 712 |
| Pretax return on assets | 1.6217% | 1,175 |
| Return on Equity (ROE) | 17.5533% | 441 |
| Retained earnings to average equity (ytd only) | 5.7989% | 2,069 |
| Net charge-offs to loans | 0.0077% | 4,769 |
| Credit loss provision to net charge-offs | 2,562.5000% | 122 |
| Earnings coverage of net charge-offs (x) | 317.5000% | 175 |
| Efficiency ratio | 57.2957% | 5,533 |
| Assets per employee ($millions) | 4.0129% | 3,933 |
| Cash dividends to net income (ytd only)* | 66.9643% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 4,234 |
| Loan loss allowance to noncurrent loans | 130,100.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 6,108 |
| Noncurrent loans to loans | 0.0009% | 5,941 |
| Net loans and leases to total assets | 74.7852% | 1,451 |
| Net loans and leases to deposits | 93.3524% | 1,143 |
| Net loans and leases to core deposits | 94.3984% | 1,881 |
| Total domestic deposits to total assets | 80.1106% | 4,989 |
| Equity capital to assets | 9.4143% | 4,822 |
| Core capital (leverage) ratio | 8.6142% | 5,430 |
| Tier 1 risk-based capital ratio | 10.5857% | 6,066 |
| Total risk-based capital ratio | 11.6821% | 6,074 |
| Memoranda: | ||
| Average total assets | $145,035,000 | 3,707 |
| Average earning assets | $132,070,600 | 3,720 |
| Average equity | $13,399,200 | 4,119 |
| Average total loans | $103,702,600 | 3,348 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4411% | 2,080 |
| Cost of funding earning assets | 0.3904% | 3,892 |
| Net interest margin | 4.0507% | 1,719 |
| Noninterest income to average assets | 0.2173% | 5,629 |
| Noninterest expense to average assets | 2.1964% | 5,361 |
| Loan and lease loss provision to assets | 0.1110% | 2,192 |
| Net operating income to assets | 1.5943% | 763 |
| Return on assets (ROA) | 1.6063% | 775 |
| Pretax return on assets | 1.6063% | 1,308 |
| Return on Equity (ROE) | 17.4729% | 496 |
| Retained earnings to average equity (ytd only) | 7.1622% | 1,732 |
| Net charge-offs to loans | 0.0328% | 3,827 |
| Credit loss provision to net charge-offs | 480.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 73.7657% | 748 |
| Efficiency ratio | 56.0322% | 5,658 |
| Assets per employee ($millions) | 4.0213% | 3,828 |
| Cash dividends to net income (ytd only)* | 59.0097% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 4,914 |
| Loan loss allowance to noncurrent loans | 7,493.7500% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 6,139 |
| Noncurrent loans to loans | 0.0142% | 5,977 |
| Net loans and leases to total assets | 74.8513% | 1,387 |
| Net loans and leases to deposits | 95.9590% | 887 |
| Net loans and leases to core deposits | 97.3003% | 1,570 |
| Total domestic deposits to total assets | 78.0035% | 5,532 |
| Equity capital to assets | 9.3362% | 4,998 |
| Core capital (leverage) ratio | 8.6559% | 5,495 |
| Tier 1 risk-based capital ratio | 10.6383% | 6,160 |
| Total risk-based capital ratio | 11.6592% | 6,193 |
| Memoranda: | ||
| Average total assets | $144,174,750 | 3,756 |
| Average earning assets | $131,134,000 | 3,767 |
| Average equity | $13,254,500 | 4,167 |
| Average total loans | $101,543,500 | 3,418 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 2,433 |
| Cost of funding earning assets | 0.3869% | 4,034 |
| Net interest margin | 3.9524% | 1,957 |
| Noninterest income to average assets | 0.2173% | 5,648 |
| Noninterest expense to average assets | 2.1888% | 5,444 |
| Loan and lease loss provision to assets | 0.0911% | 2,503 |
| Net operating income to assets | 1.5185% | 840 |
| Return on assets (ROA) | 1.5368% | 852 |
| Pretax return on assets | 1.5368% | 1,440 |
| Return on Equity (ROE) | 16.8068% | 573 |
| Retained earnings to average equity (ytd only) | 7.2226% | 1,655 |
| Net charge-offs to loans | 0.0490% | 3,269 |
| Credit loss provision to net charge-offs | 270.8333% | 931 |
| Earnings coverage of net charge-offs (x) | 47.8333% | 937 |
| Efficiency ratio | 57.3274% | 5,628 |
| Assets per employee ($millions) | 3.9162% | 4,021 |
| Cash dividends to net income (ytd only)* | 57.0255% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 4,910 |
| Loan loss allowance to noncurrent loans | 14,312.5000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 6,245 |
| Noncurrent loans to loans | 0.0077% | 6,073 |
| Net loans and leases to total assets | 73.0803% | 1,564 |
| Net loans and leases to deposits | 84.9487% | 1,938 |
| Net loans and leases to core deposits | 86.2645% | 2,490 |
| Total domestic deposits to total assets | 86.0287% | 3,023 |
| Equity capital to assets | 9.6558% | 4,549 |
| Core capital (leverage) ratio | 8.7496% | 5,341 |
| Tier 1 risk-based capital ratio | 11.1321% | 5,996 |
| Total risk-based capital ratio | 12.1728% | 6,025 |
| Memoranda: | ||
| Average total assets | $142,637,330 | 3,804 |
| Average earning assets | $129,237,000 | 3,827 |
| Average equity | $13,042,330 | 4,211 |
| Average total loans | $97,868,670 | 3,495 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1697% | 2,985 |
| Cost of funding earning assets | 0.3810% | 4,188 |
| Net interest margin | 3.7887% | 2,515 |
| Noninterest income to average assets | 0.2035% | 5,727 |
| Noninterest expense to average assets | 2.1552% | 5,569 |
| Loan and lease loss provision to assets | 0.0418% | 3,255 |
| Net operating income to assets | 1.4164% | 958 |
| Return on assets (ROA) | 1.4331% | 968 |
| Pretax return on assets | 1.4331% | 1,630 |
| Return on Equity (ROE) | 16.1166% | 628 |
| Retained earnings to average equity (ytd only) | 9.0617% | 1,225 |
| Net charge-offs to loans | 0.0380% | 2,851 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 58.1111% | 667 |
| Efficiency ratio | 59.3364% | 5,497 |
| Assets per employee ($millions) | 4.4669% | 3,031 |
| Cash dividends to net income (ytd only)* | 43.7743% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 4,673 |
| Loan loss allowance to noncurrent loans | 4,440.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 6,263 |
| Noncurrent loans to loans | 0.0268% | 6,078 |
| Net loans and leases to total assets | 62.4254% | 3,165 |
| Net loans and leases to deposits | 68.6542% | 3,776 |
| Net loans and leases to core deposits | 69.6146% | 4,144 |
| Total domestic deposits to total assets | 90.9272% | 602 |
| Equity capital to assets | 8.8611% | 5,263 |
| Core capital (leverage) ratio | 8.5149% | 5,623 |
| Tier 1 risk-based capital ratio | 11.5087% | 5,910 |
| Total risk-based capital ratio | 12.5677% | 5,958 |
| Memoranda: | ||
| Average total assets | $143,465,000 | 3,818 |
| Average earning assets | $129,122,500 | 3,856 |
| Average equity | $12,757,000 | 4,283 |
| Average total loans | $94,715,500 | 3,592 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 2,629 |
| Cost of funding earning assets | 0.4320% | 4,297 |
| Net interest margin | 3.9543% | 2,090 |
| Noninterest income to average assets | 0.3516% | 4,799 |
| Noninterest expense to average assets | 2.2530% | 5,497 |
| Loan and lease loss provision to assets | 0.0897% | 3,317 |
| Net operating income to assets | 1.6065% | 681 |
| Return on assets (ROA) | 1.7508% | 544 |
| Pretax return on assets | 1.7127% | 923 |
| Return on Equity (ROE) | 19.5648% | 307 |
| Retained earnings to average equity (ytd only) | 7.7377% | 1,139 |
| Net charge-offs to loans | -0.0141% | 6,076 |
| Credit loss provision to net charge-offs | -961.5385% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3289% | 5,813 |
| Assets per employee ($millions) | 4.2279% | 3,401 |
| Cash dividends to net income (ytd only)* | 60.4508% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 4,928 |
| Loan loss allowance to noncurrent loans | 12,266.6667% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 6,416 |
| Noncurrent loans to loans | 0.0093% | 6,263 |
| Net loans and leases to total assets | 68.2308% | 2,313 |
| Net loans and leases to deposits | 75.0960% | 3,083 |
| Net loans and leases to core deposits | 76.2064% | 3,586 |
| Total domestic deposits to total assets | 90.8581% | 634 |
| Equity capital to assets | 8.9248% | 5,126 |
| Core capital (leverage) ratio | 8.4555% | 5,720 |
| Tier 1 risk-based capital ratio | 11.3514% | 5,994 |
| Total risk-based capital ratio | 12.4161% | 6,046 |
| Memoranda: | ||
| Average total assets | $139,367,800 | 3,885 |
| Average earning assets | $125,458,600 | 3,938 |
| Average equity | $12,471,400 | 4,363 |
| Average total loans | $91,910,800 | 3,643 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2184% | 3,318 |
| Cost of funding earning assets | 0.4263% | 4,536 |
| Net interest margin | 3.7921% | 2,663 |
| Noninterest income to average assets | 0.2402% | 5,718 |
| Noninterest expense to average assets | 2.1311% | 5,767 |
| Loan and lease loss provision to assets | 0.0909% | 3,248 |
| Net operating income to assets | 1.4909% | 919 |
| Return on assets (ROA) | 1.6833% | 674 |
| Pretax return on assets | 1.6325% | 1,260 |
| Return on Equity (ROE) | 18.7979% | 384 |
| Retained earnings to average equity (ytd only) | 7.3097% | 1,730 |
| Net charge-offs to loans | 0.0059% | 5,065 |
| Credit loss provision to net charge-offs | 2,375.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 400.2402% | 145 |
| Efficiency ratio | 57.9044% | 5,701 |
| Assets per employee ($millions) | 4.3799% | 3,082 |
| Cash dividends to net income (ytd only)* | 61.1145% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 5,488 |
| Loan loss allowance to noncurrent loans | 1,822.4138% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 6,348 |
| Noncurrent loans to loans | 0.0581% | 6,171 |
| Net loans and leases to total assets | 70.4619% | 1,877 |
| Net loans and leases to deposits | 85.1920% | 1,719 |
| Net loans and leases to core deposits | 86.9517% | 2,288 |
| Total domestic deposits to total assets | 82.7095% | 4,679 |
| Equity capital to assets | 8.8279% | 5,387 |
| Core capital (leverage) ratio | 8.3429% | 5,925 |
| Tier 1 risk-based capital ratio | 10.9809% | 6,292 |
| Total risk-based capital ratio | 11.9915% | 6,349 |
| Memoranda: | ||
| Average total assets | $139,329,250 | 3,927 |
| Average earning assets | $125,730,500 | 3,968 |
| Average equity | $12,476,250 | 4,400 |
| Average total loans | $90,813,250 | 3,698 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 3,747 |
| Cost of funding earning assets | 0.4238% | 4,717 |
| Net interest margin | 3.6733% | 3,072 |
| Noninterest income to average assets | 0.2431% | 5,713 |
| Noninterest expense to average assets | 2.1157% | 5,840 |
| Loan and lease loss provision to assets | 0.0863% | 3,355 |
| Net operating income to assets | 1.4081% | 1,062 |
| Return on assets (ROA) | 1.6972% | 679 |
| Pretax return on assets | 1.6210% | 1,306 |
| Return on Equity (ROE) | 18.8639% | 395 |
| Retained earnings to average equity (ytd only) | 7.2738% | 1,760 |
| Net charge-offs to loans | 0.0046% | 4,816 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 493.0000% | 93 |
| Efficiency ratio | 59.5849% | 5,530 |
| Assets per employee ($millions) | 4.2382% | 3,274 |
| Cash dividends to net income (ytd only)* | 61.4407% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 5,440 |
| Loan loss allowance to noncurrent loans | 678.1457% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 6,156 |
| Noncurrent loans to loans | 0.1624% | 5,920 |
| Net loans and leases to total assets | 67.7982% | 2,287 |
| Net loans and leases to deposits | 74.6553% | 3,058 |
| Net loans and leases to core deposits | 75.6342% | 3,587 |
| Total domestic deposits to total assets | 90.8150% | 613 |
| Equity capital to assets | 8.8304% | 5,415 |
| Core capital (leverage) ratio | 8.0311% | 6,164 |
| Tier 1 risk-based capital ratio | 11.3186% | 6,192 |
| Total risk-based capital ratio | 12.3486% | 6,268 |
| Memoranda: | ||
| Average total assets | $139,053,000 | 3,971 |
| Average earning assets | $124,574,670 | 4,024 |
| Average equity | $12,510,670 | 4,422 |
| Average total loans | $87,812,670 | 3,775 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 4,142 |
| Cost of funding earning assets | 0.4285% | 4,829 |
| Net interest margin | 3.5655% | 3,403 |
| Noninterest income to average assets | 0.2245% | 5,865 |
| Noninterest expense to average assets | 2.0544% | 6,000 |
| Loan and lease loss provision to assets | 0.0852% | 3,237 |
| Net operating income to assets | 1.1738% | 1,599 |
| Return on assets (ROA) | 1.7049% | 640 |
| Pretax return on assets | 1.8243% | 844 |
| Return on Equity (ROE) | 18.7823% | 375 |
| Retained earnings to average equity (ytd only) | 10.1737% | 1,063 |
| Net charge-offs to loans | 0.0188% | 3,786 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 117.7500% | 329 |
| Efficiency ratio | 60.2178% | 5,556 |
| Assets per employee ($millions) | 4.5998% | 2,803 |
| Cash dividends to net income (ytd only)* | 45.8333% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 5,015 |
| Loan loss allowance to noncurrent loans | 49,600.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 6,654 |
| Noncurrent loans to loans | 0.0025% | 6,520 |
| Net loans and leases to total assets | 53.8069% | 4,446 |
| Net loans and leases to deposits | 59.1950% | 4,889 |
| Net loans and leases to core deposits | 60.3663% | 5,105 |
| Total domestic deposits to total assets | 90.8977% | 569 |
| Equity capital to assets | 8.6845% | 5,825 |
| Core capital (leverage) ratio | 7.8721% | 6,240 |
| Tier 1 risk-based capital ratio | 11.8882% | 5,981 |
| Total risk-based capital ratio | 12.9490% | 6,060 |
| Memoranda: | ||
| Average total assets | $140,768,000 | 3,968 |
| Average earning assets | $125,088,500 | 4,042 |
| Average equity | $12,778,000 | 4,424 |
| Average total loans | $85,232,000 | 3,862 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 2,862 |
| Cost of funding earning assets | 0.5814% | 4,520 |
| Net interest margin | 4.0541% | 2,174 |
| Noninterest income to average assets | 0.3928% | 4,664 |
| Noninterest expense to average assets | 2.2696% | 5,767 |
| Loan and lease loss provision to assets | 0.1983% | 3,154 |
| Net operating income to assets | 1.4218% | 1,060 |
| Return on assets (ROA) | 1.4210% | 1,177 |
| Pretax return on assets | 1.5307% | 1,591 |
| Return on Equity (ROE) | 14.5568% | 896 |
| Retained earnings to average equity (ytd only) | 4.1989% | 3,275 |
| Net charge-offs to loans | 0.4210% | 2,551 |
| Credit loss provision to net charge-offs | 72.2380% | 4,095 |
| Earnings coverage of net charge-offs (x) | 6.3003% | 2,834 |
| Efficiency ratio | 56.4566% | 6,011 |
| Assets per employee ($millions) | 4.1982% | 3,553 |
| Cash dividends to net income (ytd only)* | 71.1549% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 5,673 |
| Loan loss allowance to noncurrent loans | 8,781.8182% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 6,670 |
| Noncurrent loans to loans | 0.0122% | 6,522 |
| Net loans and leases to total assets | 66.4761% | 2,459 |
| Net loans and leases to deposits | 73.8603% | 3,106 |
| Net loans and leases to core deposits | 75.4867% | 3,602 |
| Total domestic deposits to total assets | 90.0025% | 950 |
| Equity capital to assets | 9.5078% | 4,862 |
| Core capital (leverage) ratio | 8.4009% | 5,756 |
| Tier 1 risk-based capital ratio | 10.9220% | 6,377 |
| Total risk-based capital ratio | 11.8999% | 6,458 |
| Memoranda: | ||
| Average total assets | $128,567,800 | 4,177 |
| Average earning assets | $114,377,400 | 4,240 |
| Average equity | $12,550,800 | 4,454 |
| Average total loans | $83,852,800 | 3,914 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 3,220 |
| Cost of funding earning assets | 0.6121% | 4,521 |
| Net interest margin | 3.9837% | 2,566 |
| Noninterest income to average assets | 0.2580% | 5,716 |
| Noninterest expense to average assets | 2.2245% | 5,895 |
| Loan and lease loss provision to assets | 0.0787% | 4,653 |
| Net operating income to assets | 1.3991% | 1,221 |
| Return on assets (ROA) | 1.3981% | 1,349 |
| Pretax return on assets | 1.5103% | 1,843 |
| Return on Equity (ROE) | 14.2237% | 1,065 |
| Retained earnings to average equity (ytd only) | 4.6203% | 3,649 |
| Net charge-offs to loans | 0.0227% | 5,347 |
| Credit loss provision to net charge-offs | 535.7143% | 501 |
| Earnings coverage of net charge-offs (x) | 108.2635% | 393 |
| Efficiency ratio | 58.0148% | 5,789 |
| Assets per employee ($millions) | 3.8720% | 4,145 |
| Cash dividends to net income (ytd only)* | 67.5168% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 4,909 |
| Loan loss allowance to noncurrent loans | 264.0845% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 5,824 |
| Noncurrent loans to loans | 0.4841% | 5,483 |
| Net loans and leases to total assets | 70.1178% | 1,892 |
| Net loans and leases to deposits | 78.7295% | 2,565 |
| Net loans and leases to core deposits | 80.2576% | 3,176 |
| Total domestic deposits to total assets | 89.0616% | 1,393 |
| Equity capital to assets | 10.3097% | 4,068 |
| Core capital (leverage) ratio | 8.6976% | 5,478 |
| Tier 1 risk-based capital ratio | 11.4263% | 6,270 |
| Total risk-based capital ratio | 12.6285% | 6,268 |
| Memoranda: | ||
| Average total assets | $127,124,000 | 4,249 |
| Average earning assets | $113,492,500 | 4,303 |
| Average equity | $12,495,250 | 4,506 |
| Average total loans | $82,248,000 | 4,013 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 3,685 |
| Cost of funding earning assets | 0.6313% | 4,617 |
| Net interest margin | 3.8894% | 2,955 |
| Noninterest income to average assets | 0.2574% | 5,736 |
| Noninterest expense to average assets | 2.1716% | 6,077 |
| Loan and lease loss provision to assets | 0.0390% | 5,187 |
| Net operating income to assets | 1.4071% | 1,177 |
| Return on assets (ROA) | 1.4056% | 1,319 |
| Pretax return on assets | 1.5148% | 1,809 |
| Return on Equity (ROE) | 14.5295% | 1,007 |
| Retained earnings to average equity (ytd only) | 4.8539% | 3,367 |
| Net charge-offs to loans | 0.0548% | 4,643 |
| Credit loss provision to net charge-offs | 113.6364% | 2,402 |
| Earnings coverage of net charge-offs (x) | 45.3182% | 794 |
| Efficiency ratio | 57.9322% | 5,883 |
| Assets per employee ($millions) | 3.9288% | 4,023 |
| Cash dividends to net income (ytd only)* | 66.5927% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 5,123 |
| Loan loss allowance to noncurrent loans | 160.4511% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5290% | 5,437 |
| Noncurrent loans to loans | 0.7789% | 4,947 |
| Net loans and leases to total assets | 67.0625% | 2,451 |
| Net loans and leases to deposits | 74.9851% | 3,130 |
| Net loans and leases to core deposits | 76.2416% | 3,744 |
| Total domestic deposits to total assets | 89.4345% | 1,250 |
| Equity capital to assets | 10.0135% | 4,313 |
| Core capital (leverage) ratio | 8.2877% | 5,929 |
| Tier 1 risk-based capital ratio | 11.5029% | 6,216 |
| Total risk-based capital ratio | 12.6655% | 6,244 |
| Memoranda: | ||
| Average total assets | $128,197,670 | 4,245 |
| Average earning assets | $114,361,330 | 4,302 |
| Average equity | $12,402,330 | 4,526 |
| Average total loans | $80,329,670 | 4,095 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 4,376 |
| Cost of funding earning assets | 0.6497% | 4,740 |
| Net interest margin | 3.7383% | 3,645 |
| Noninterest income to average assets | 0.2658% | 5,746 |
| Noninterest expense to average assets | 2.1941% | 6,055 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2825% | 1,495 |
| Return on assets (ROA) | 1.2825% | 1,674 |
| Pretax return on assets | 1.3968% | 2,201 |
| Return on Equity (ROE) | 13.4861% | 1,293 |
| Retained earnings to average equity (ytd only) | 5.3619% | 3,332 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7573% | 5,496 |
| Assets per employee ($millions) | 3.9055% | 4,190 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 4,316 |
| Loan loss allowance to noncurrent loans | 259.5122% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 6,118 |
| Noncurrent loans to loans | 0.5643% | 5,534 |
| Net loans and leases to total assets | 53.9146% | 4,738 |
| Net loans and leases to deposits | 59.7797% | 5,177 |
| Net loans and leases to core deposits | 60.4613% | 5,489 |
| Total domestic deposits to total assets | 90.1887% | 984 |
| Equity capital to assets | 9.3361% | 5,045 |
| Core capital (leverage) ratio | 8.1196% | 6,132 |
| Tier 1 risk-based capital ratio | 12.1592% | 5,858 |
| Total risk-based capital ratio | 13.4011% | 5,836 |
| Memoranda: | ||
| Average total assets | $129,436,500 | 4,248 |
| Average earning assets | $115,132,000 | 4,308 |
| Average equity | $12,309,000 | 4,549 |
| Average total loans | $77,805,500 | 4,190 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 2,472 |
| Cost of funding earning assets | 0.8580% | 4,411 |
| Net interest margin | 4.2377% | 1,933 |
| Noninterest income to average assets | 0.4311% | 4,366 |
| Noninterest expense to average assets | 2.4651% | 5,583 |
| Loan and lease loss provision to assets | 0.0872% | 5,499 |
| Net operating income to assets | 1.5473% | 744 |
| Return on assets (ROA) | 1.5473% | 807 |
| Pretax return on assets | 1.6611% | 1,078 |
| Return on Equity (ROE) | 15.9602% | 607 |
| Retained earnings to average equity (ytd only) | 5.4657% | 2,328 |
| Net charge-offs to loans | 0.0234% | 6,116 |
| Credit loss provision to net charge-offs | 552.6316% | 415 |
| Earnings coverage of net charge-offs (x) | 110.7895% | 290 |
| Efficiency ratio | 57.8947% | 6,070 |
| Assets per employee ($millions) | 3.8208% | 4,264 |
| Cash dividends to net income (ytd only)* | 65.7542% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 5,009 |
| Loan loss allowance to noncurrent loans | 2,595.1220% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 6,890 |
| Noncurrent loans to loans | 0.0494% | 6,698 |
| Net loans and leases to total assets | 64.9488% | 2,999 |
| Net loans and leases to deposits | 72.3057% | 3,755 |
| Net loans and leases to core deposits | 73.3451% | 4,333 |
| Total domestic deposits to total assets | 89.8253% | 1,085 |
| Equity capital to assets | 9.6925% | 4,610 |
| Core capital (leverage) ratio | 8.2625% | 5,903 |
| Tier 1 risk-based capital ratio | 11.3709% | 6,246 |
| Total risk-based capital ratio | 12.5515% | 6,270 |
| Memoranda: | ||
| Average total assets | $120,401,600 | 4,390 |
| Average earning assets | $107,463,400 | 4,464 |
| Average equity | $11,672,800 | 4,622 |
| Average total loans | $81,233,400 | 4,108 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1141% | 2,536 |
| Cost of funding earning assets | 0.8963% | 4,425 |
| Net interest margin | 4.2178% | 2,032 |
| Noninterest income to average assets | 0.2992% | 5,471 |
| Noninterest expense to average assets | 2.4015% | 5,761 |
| Loan and lease loss provision to assets | 0.1009% | 5,185 |
| Net operating income to assets | 1.4949% | 948 |
| Return on assets (ROA) | 1.4949% | 1,026 |
| Pretax return on assets | 1.5778% | 1,443 |
| Return on Equity (ROE) | 15.4183% | 761 |
| Retained earnings to average equity (ytd only) | 5.8830% | 2,629 |
| Net charge-offs to loans | 0.0198% | 5,876 |
| Credit loss provision to net charge-offs | 750.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 124.8300% | 295 |
| Efficiency ratio | 58.1983% | 5,976 |
| Assets per employee ($millions) | 3.7433% | 4,428 |
| Cash dividends to net income (ytd only)* | 61.8440% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 5,254 |
| Loan loss allowance to noncurrent loans | 451.2821% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 6,410 |
| Noncurrent loans to loans | 0.2768% | 6,314 |
| Net loans and leases to total assets | 69.6946% | 2,142 |
| Net loans and leases to deposits | 78.0609% | 2,973 |
| Net loans and leases to core deposits | 79.3014% | 3,734 |
| Total domestic deposits to total assets | 89.2824% | 1,267 |
| Equity capital to assets | 10.0940% | 4,214 |
| Core capital (leverage) ratio | 8.6141% | 5,529 |
| Tier 1 risk-based capital ratio | 11.2666% | 6,390 |
| Total risk-based capital ratio | 12.4432% | 6,416 |
| Memoranda: | ||
| Average total assets | $118,980,250 | 4,460 |
| Average earning assets | $106,656,250 | 4,512 |
| Average equity | $11,535,750 | 4,683 |
| Average total loans | $80,802,750 | 4,153 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9746% | 3,289 |
| Cost of funding earning assets | 0.9283% | 4,459 |
| Net interest margin | 4.0463% | 2,628 |
| Noninterest income to average assets | 0.2830% | 5,621 |
| Noninterest expense to average assets | 2.4412% | 5,725 |
| Loan and lease loss provision to assets | 0.0758% | 5,365 |
| Net operating income to assets | 1.3360% | 1,226 |
| Return on assets (ROA) | 1.3360% | 1,301 |
| Pretax return on assets | 1.4084% | 1,773 |
| Return on Equity (ROE) | 13.9727% | 987 |
| Retained earnings to average equity (ytd only) | 4.7222% | 3,183 |
| Net charge-offs to loans | 0.0352% | 5,362 |
| Credit loss provision to net charge-offs | 321.4286% | 942 |
| Earnings coverage of net charge-offs (x) | 62.9286% | 523 |
| Efficiency ratio | 61.5021% | 5,655 |
| Assets per employee ($millions) | 3.6145% | 4,648 |
| Cash dividends to net income (ytd only)* | 66.2043% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 5,281 |
| Loan loss allowance to noncurrent loans | 274.1848% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 6,197 |
| Noncurrent loans to loans | 0.4579% | 5,997 |
| Net loans and leases to total assets | 66.5241% | 2,927 |
| Net loans and leases to deposits | 74.2053% | 3,775 |
| Net loans and leases to core deposits | 74.7823% | 4,472 |
| Total domestic deposits to total assets | 89.6487% | 1,157 |
| Equity capital to assets | 9.7602% | 4,444 |
| Core capital (leverage) ratio | 8.2437% | 5,961 |
| Tier 1 risk-based capital ratio | 11.3210% | 6,304 |
| Total risk-based capital ratio | 12.4792% | 6,360 |
| Memoranda: | ||
| Average total assets | $118,712,330 | 4,496 |
| Average earning assets | $106,862,000 | 4,537 |
| Average equity | $11,350,670 | 4,730 |
| Average total loans | $79,557,330 | 4,234 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8537% | 3,802 |
| Cost of funding earning assets | 0.9648% | 4,463 |
| Net interest margin | 3.8889% | 3,198 |
| Noninterest income to average assets | 0.2905% | 5,589 |
| Noninterest expense to average assets | 2.3981% | 5,887 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3409% | 1,175 |
| Return on assets (ROA) | 1.3409% | 1,222 |
| Pretax return on assets | 1.4186% | 1,673 |
| Return on Equity (ROE) | 14.1722% | 958 |
| Retained earnings to average equity (ytd only) | 9.7100% | 1,178 |
| Net charge-offs to loans | 0.0404% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 556 |
| Efficiency ratio | 62.1239% | 5,660 |
| Assets per employee ($millions) | 3.7057% | 4,530 |
| Cash dividends to net income (ytd only)* | 31.4861% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 5,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 7,005 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 59.1374% | 4,437 |
| Net loans and leases to deposits | 65.5904% | 5,031 |
| Net loans and leases to core deposits | 66.9091% | 5,414 |
| Total domestic deposits to total assets | 90.1617% | 1,052 |
| Equity capital to assets | 9.3034% | 4,720 |
| Core capital (leverage) ratio | 8.2748% | 5,857 |
| Tier 1 risk-based capital ratio | 11.7835% | 5,867 |
| Total risk-based capital ratio | 12.9428% | 5,939 |
| Memoranda: | ||
| Average total assets | $118,428,500 | 4,531 |
| Average earning assets | $107,381,500 | 4,542 |
| Average equity | $11,205,000 | 4,744 |
| Average total loans | $79,156,500 | 4,287 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7526% | 1,397 |
| Cost of funding earning assets | 1.2980% | 3,895 |
| Net interest margin | 4.4547% | 1,342 |
| Noninterest income to average assets | 0.5743% | 3,634 |
| Noninterest expense to average assets | 2.6466% | 5,236 |
| Loan and lease loss provision to assets | 0.0315% | 6,821 |
| Net operating income to assets | 1.8021% | 416 |
| Return on assets (ROA) | 1.9187% | 349 |
| Pretax return on assets | 2.0391% | 447 |
| Return on Equity (ROE) | 19.1295% | 306 |
| Retained earnings to average equity (ytd only) | 2.1056% | 4,408 |
| Net charge-offs to loans | -0.0120% | 7,325 |
| Credit loss provision to net charge-offs | -350.0000% | 7,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8578% | 6,479 |
| Assets per employee ($millions) | 3.4718% | 4,998 |
| Cash dividends to net income (ytd only)* | 88.9930% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 5,735 |
| Loan loss allowance to noncurrent loans | 1,811.1111% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 6,950 |
| Noncurrent loans to loans | 0.0635% | 6,964 |
| Net loans and leases to total assets | 73.3593% | 1,796 |
| Net loans and leases to deposits | 81.6926% | 2,868 |
| Net loans and leases to core deposits | 82.3740% | 3,847 |
| Total domestic deposits to total assets | 89.7992% | 1,208 |
| Equity capital to assets | 9.6300% | 4,237 |
| Core capital (leverage) ratio | 8.3969% | 5,539 |
| Tier 1 risk-based capital ratio | 10.6441% | 6,605 |
| Total risk-based capital ratio | 11.7310% | 6,690 |
| Memoranda: | ||
| Average total assets | $111,274,800 | 4,677 |
| Average earning assets | $100,388,800 | 4,715 |
| Average equity | $11,160,800 | 4,825 |
| Average total loans | $83,598,200 | 4,222 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7943% | 1,415 |
| Cost of funding earning assets | 1.3570% | 3,855 |
| Net interest margin | 4.4373% | 1,405 |
| Noninterest income to average assets | 0.4563% | 4,511 |
| Noninterest expense to average assets | 2.5133% | 5,667 |
| Loan and lease loss provision to assets | 0.0302% | 6,767 |
| Net operating income to assets | 1.7990% | 504 |
| Return on assets (ROA) | 1.9556% | 397 |
| Pretax return on assets | 2.0702% | 537 |
| Return on Equity (ROE) | 19.2978% | 362 |
| Retained earnings to average equity (ytd only) | 2.6207% | 4,580 |
| Net charge-offs to loans | -0.0128% | 7,298 |
| Credit loss provision to net charge-offs | -312.5000% | 6,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7275% | 6,597 |
| Assets per employee ($millions) | 3.3642% | 5,289 |
| Cash dividends to net income (ytd only)* | 86.4196% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 5,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 7,170 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 78.9957% | 881 |
| Net loans and leases to deposits | 90.3901% | 1,669 |
| Net loans and leases to core deposits | 90.9280% | 2,966 |
| Total domestic deposits to total assets | 87.3942% | 2,321 |
| Equity capital to assets | 10.2090% | 3,870 |
| Core capital (leverage) ratio | 8.5392% | 5,435 |
| Tier 1 risk-based capital ratio | 10.4559% | 6,804 |
| Total risk-based capital ratio | 11.5129% | 6,912 |
| Memoranda: | ||
| Average total assets | $110,451,250 | 4,755 |
| Average earning assets | $99,336,500 | 4,805 |
| Average equity | $11,192,750 | 4,880 |
| Average total loans | $83,241,500 | 4,314 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 1,811 |
| Cost of funding earning assets | 1.3891% | 3,943 |
| Net interest margin | 4.2993% | 1,783 |
| Noninterest income to average assets | 0.3301% | 5,516 |
| Noninterest expense to average assets | 2.4814% | 5,789 |
| Loan and lease loss provision to assets | 0.0272% | 6,673 |
| Net operating income to assets | 1.5690% | 784 |
| Return on assets (ROA) | 1.5690% | 836 |
| Pretax return on assets | 1.6615% | 1,139 |
| Return on Equity (ROE) | 15.5217% | 762 |
| Retained earnings to average equity (ytd only) | 6.5496% | 2,056 |
| Net charge-offs to loans | -0.0049% | 7,110 |
| Credit loss provision to net charge-offs | -750.0000% | 6,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6342% | 6,286 |
| Assets per employee ($millions) | 3.5022% | 4,925 |
| Cash dividends to net income (ytd only)* | 57.8035% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 5,839 |
| Loan loss allowance to noncurrent loans | 237.2500% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8612% | 5,396 |
| Noncurrent loans to loans | 0.4730% | 6,307 |
| Net loans and leases to total assets | 77.0172% | 1,289 |
| Net loans and leases to deposits | 86.7170% | 2,393 |
| Net loans and leases to core deposits | 86.9858% | 3,700 |
| Total domestic deposits to total assets | 88.8144% | 1,540 |
| Equity capital to assets | 10.5418% | 3,356 |
| Core capital (leverage) ratio | 8.8634% | 4,813 |
| Tier 1 risk-based capital ratio | 10.7829% | 6,458 |
| Total risk-based capital ratio | 11.8384% | 6,614 |
| Memoranda: | ||
| Average total assets | $110,261,670 | 4,797 |
| Average earning assets | $98,482,000 | 4,860 |
| Average equity | $11,145,670 | 4,891 |
| Average total loans | $81,433,000 | 4,401 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5219% | 2,488 |
| Cost of funding earning assets | 1.4131% | 4,098 |
| Net interest margin | 4.1089% | 2,405 |
| Noninterest income to average assets | 0.3384% | 5,433 |
| Noninterest expense to average assets | 2.3869% | 6,139 |
| Loan and lease loss provision to assets | 0.0180% | 6,457 |
| Net operating income to assets | 1.4796% | 923 |
| Return on assets (ROA) | 1.4796% | 993 |
| Pretax return on assets | 1.5660% | 1,349 |
| Return on Equity (ROE) | 14.9509% | 884 |
| Retained earnings to average equity (ytd only) | 5.8567% | 2,689 |
| Net charge-offs to loans | 0.0100% | 5,450 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 154 |
| Efficiency ratio | 59.2022% | 6,305 |
| Assets per employee ($millions) | 3.5948% | 4,837 |
| Cash dividends to net income (ytd only)* | 60.8273% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 5,412 |
| Loan loss allowance to noncurrent loans | 1,798.0769% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.6685% | 5,845 |
| Noncurrent loans to loans | 0.0677% | 7,226 |
| Net loans and leases to total assets | 68.0665% | 3,371 |
| Net loans and leases to deposits | 76.0520% | 4,403 |
| Net loans and leases to core deposits | 77.3668% | 5,101 |
| Total domestic deposits to total assets | 89.5000% | 1,247 |
| Equity capital to assets | 9.9392% | 3,940 |
| Core capital (leverage) ratio | 8.7227% | 4,983 |
| Tier 1 risk-based capital ratio | 11.1245% | 6,032 |
| Total risk-based capital ratio | 12.2217% | 6,156 |
| Memoranda: | ||
| Average total assets | $111,108,500 | 4,845 |
| Average earning assets | $98,226,500 | 4,927 |
| Average equity | $10,996,000 | 4,973 |
| Average total loans | $79,867,000 | 4,510 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7528% | 2,853 |
| Cost of funding earning assets | 1.6579% | 4,747 |
| Net interest margin | 4.0949% | 2,477 |
| Noninterest income to average assets | 0.5411% | 4,102 |
| Noninterest expense to average assets | 2.6037% | 5,791 |
| Loan and lease loss provision to assets | 0.0915% | 6,688 |
| Net operating income to assets | 1.2167% | 1,203 |
| Return on assets (ROA) | 1.2167% | 1,255 |
| Pretax return on assets | 1.5701% | 1,031 |
| Return on Equity (ROE) | 12.5567% | 1,044 |
| Retained earnings to average equity (ytd only) | 4.5257% | 2,084 |
| Net charge-offs to loans | 0.1302% | 5,897 |
| Credit loss provision to net charge-offs | 96.1538% | 5,769 |
| Earnings coverage of net charge-offs (x) | 17.4519% | 1,187 |
| Efficiency ratio | 60.1846% | 6,466 |
| Assets per employee ($millions) | 3.5735% | 4,839 |
| Cash dividends to net income (ytd only)* | 63.9579% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 5,788 |
| Loan loss allowance to noncurrent loans | 1,122.8916% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 5,706 |
| Noncurrent loans to loans | 0.1001% | 7,166 |
| Net loans and leases to total assets | 74.0348% | 2,269 |
| Net loans and leases to deposits | 83.4758% | 3,363 |
| Net loans and leases to core deposits | 95.5140% | 4,514 |
| Total domestic deposits to total assets | 88.6901% | 1,631 |
| Equity capital to assets | 9.8539% | 3,940 |
| Core capital (leverage) ratio | 8.4678% | 5,329 |
| Tier 1 risk-based capital ratio | 10.5227% | 6,374 |
| Total risk-based capital ratio | 11.5760% | 6,533 |
| Memoranda: | ||
| Average total assets | $109,230,400 | 4,840 |
| Average earning assets | $99,342,600 | 4,856 |
| Average equity | $10,584,000 | 5,133 |
| Average total loans | $79,883,600 | 4,513 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6553% | 3,545 |
| Cost of funding earning assets | 1.6932% | 4,933 |
| Net interest margin | 3.9620% | 2,988 |
| Noninterest income to average assets | 0.4055% | 5,239 |
| Noninterest expense to average assets | 2.4928% | 6,092 |
| Loan and lease loss provision to assets | 0.0551% | 6,817 |
| Net operating income to assets | 1.0449% | 1,917 |
| Return on assets (ROA) | 1.0449% | 1,977 |
| Pretax return on assets | 1.4834% | 1,463 |
| Return on Equity (ROE) | 10.8304% | 1,669 |
| Retained earnings to average equity (ytd only) | 4.4820% | 2,768 |
| Net charge-offs to loans | 0.0421% | 6,312 |
| Credit loss provision to net charge-offs | 180.0000% | 2,544 |
| Earnings coverage of net charge-offs (x) | 50.2436% | 631 |
| Efficiency ratio | 61.0149% | 6,272 |
| Assets per employee ($millions) | 3.5382% | 4,838 |
| Cash dividends to net income (ytd only)* | 58.6169% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 5,573 |
| Loan loss allowance to noncurrent loans | 156.9787% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 1.1870% | 4,696 |
| Noncurrent loans to loans | 0.7158% | 5,873 |
| Net loans and leases to total assets | 76.7003% | 1,848 |
| Net loans and leases to deposits | 89.4351% | 2,689 |
| Net loans and leases to core deposits | 103.0930% | 4,050 |
| Total domestic deposits to total assets | 85.7609% | 2,824 |
| Equity capital to assets | 9.9048% | 4,208 |
| Core capital (leverage) ratio | 8.6619% | 5,204 |
| Tier 1 risk-based capital ratio | 10.3756% | 6,597 |
| Total risk-based capital ratio | 11.4564% | 6,713 |
| Memoranda: | ||
| Average total assets | $108,843,250 | 4,886 |
| Average earning assets | $99,609,500 | 4,877 |
| Average equity | $10,501,000 | 5,200 |
| Average total loans | $79,117,750 | 4,577 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5420% | 4,376 |
| Cost of funding earning assets | 1.7251% | 5,150 |
| Net interest margin | 3.8170% | 3,477 |
| Noninterest income to average assets | 0.4514% | 4,837 |
| Noninterest expense to average assets | 2.5128% | 6,081 |
| Loan and lease loss provision to assets | 0.0553% | 6,670 |
| Net operating income to assets | 0.7645% | 2,993 |
| Return on assets (ROA) | 0.7645% | 3,100 |
| Pretax return on assets | 1.3725% | 1,804 |
| Return on Equity (ROE) | 7.9961% | 2,770 |
| Retained earnings to average equity (ytd only) | 3.1792% | 3,546 |
| Net charge-offs to loans | -0.0052% | 7,531 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9266% | 6,096 |
| Assets per employee ($millions) | 3.3903% | 5,091 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 4,902 |
| Loan loss allowance to noncurrent loans | 117.6185% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 5,439 |
| Noncurrent loans to loans | 1.0237% | 5,168 |
| Net loans and leases to total assets | 75.5733% | 2,293 |
| Net loans and leases to deposits | 84.6173% | 3,771 |
| Net loans and leases to core deposits | 97.5953% | 4,733 |
| Total domestic deposits to total assets | 89.3119% | 1,117 |
| Equity capital to assets | 9.9498% | 4,015 |
| Core capital (leverage) ratio | 8.4637% | 5,506 |
| Tier 1 risk-based capital ratio | 10.6762% | 6,211 |
| Total risk-based capital ratio | 11.8269% | 6,258 |
| Memoranda: | ||
| Average total assets | $108,563,000 | 4,926 |
| Average earning assets | $99,241,330 | 4,915 |
| Average equity | $10,380,000 | 5,256 |
| Average total loans | $77,129,000 | 4,693 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4957% | 4,937 |
| Cost of funding earning assets | 1.7557% | 5,329 |
| Net interest margin | 3.7399% | 3,710 |
| Noninterest income to average assets | 0.5549% | 3,879 |
| Noninterest expense to average assets | 2.3718% | 6,285 |
| Loan and lease loss provision to assets | 0.0544% | 6,285 |
| Net operating income to assets | 0.3772% | 4,958 |
| Return on assets (ROA) | 0.3772% | 5,142 |
| Pretax return on assets | 1.5123% | 1,633 |
| Return on Equity (ROE) | 4.0226% | 4,925 |
| Retained earnings to average equity (ytd only) | 0.1547% | 5,597 |
| Net charge-offs to loans | -0.0689% | 7,789 |
| Credit loss provision to net charge-offs | -115.3846% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4843% | 6,478 |
| Assets per employee ($millions) | 3.4685% | 4,897 |
| Cash dividends to net income (ytd only)* | 96.1538% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 3,941 |
| Loan loss allowance to noncurrent loans | 138.3070% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 5,539 |
| Noncurrent loans to loans | 0.9571% | 5,083 |
| Net loans and leases to total assets | 66.8331% | 4,380 |
| Net loans and leases to deposits | 74.4944% | 5,418 |
| Net loans and leases to core deposits | 85.7581% | 5,923 |
| Total domestic deposits to total assets | 89.7157% | 926 |
| Equity capital to assets | 9.6379% | 4,468 |
| Core capital (leverage) ratio | 8.2947% | 5,913 |
| Tier 1 risk-based capital ratio | 10.9773% | 5,925 |
| Total risk-based capital ratio | 12.1781% | 5,876 |
| Memoranda: | ||
| Average total assets | $110,295,500 | 4,896 |
| Average earning assets | $99,788,000 | 4,923 |
| Average equity | $10,341,500 | 5,281 |
| Average total loans | $75,496,500 | 4,781 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1819% | 4,606 |
| Cost of funding earning assets | 2.3306% | 5,007 |
| Net interest margin | 3.8513% | 3,790 |
| Noninterest income to average assets | 0.3529% | 5,907 |
| Noninterest expense to average assets | 2.5296% | 5,890 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9593% | 2,749 |
| Return on assets (ROA) | 0.9593% | 2,621 |
| Pretax return on assets | 1.3748% | 2,047 |
| Return on Equity (ROE) | 11.8620% | 1,636 |
| Retained earnings to average equity (ytd only) | 6.1955% | 1,442 |
| Net charge-offs to loans | -0.0469% | 8,019 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0845% | 5,537 |
| Assets per employee ($millions) | 3.7148% | 4,141 |
| Cash dividends to net income (ytd only)* | 47.7707% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 5,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 65.1988% | 5,013 |
| Net loans and leases to deposits | 71.0472% | 6,164 |
| Net loans and leases to core deposits | 79.7525% | 6,634 |
| Total domestic deposits to total assets | 91.7683% | 165 |
| Equity capital to assets | 7.8251% | 7,064 |
| Core capital (leverage) ratio | 7.8286% | 6,755 |
| Tier 1 risk-based capital ratio | 10.9513% | 5,770 |
| Total risk-based capital ratio | 12.0241% | 5,842 |
| Memoranda: | ||
| Average total assets | $65,465,600 | 6,177 |
| Average earning assets | $60,370,000 | 6,157 |
| Average equity | $5,294,200 | 7,044 |
| Average total loans | $44,743,000 | 5,937 |