Home > Gateway Bank > Performance and Condition Ratios
Gateway 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 | 5.1491% | 1,759 |
| Cost of funding earning assets | 1.3288% | 2,430 |
| Net interest margin | 3.8203% | 1,536 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.1620% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5013% | 1,015 |
| Return on assets (ROA) | 1.5013% | 987 |
| Pretax return on assets | 1.6659% | 1,129 |
| Return on Equity (ROE) | 15.4800% | 1,195 |
| Retained earnings to average equity (ytd only) | 8.9740% | 1,263 |
| Net charge-offs to loans | 0.0005% | 2,885 |
| Credit loss provision to net charge-offs | -4,900.0000% | 4,599 |
| Earnings coverage of net charge-offs (x) | 4,301.0000% | 19 |
| Efficiency ratio | 56.4808% | 3,444 |
| Assets per employee ($millions) | 9.0571% | 962 |
| Cash dividends to net income (ytd only)* | 42.0279% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 836 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.3500% | 1,433 |
| Net loans and leases to deposits | 82.1147% | 1,938 |
| Net loans and leases to core deposits | 99.5469% | 1,460 |
| Total domestic deposits to total assets | 89.3200% | 973 |
| Equity capital to assets | 9.7614% | 2,152 |
| Core capital (leverage) ratio | 10.4302% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1184% | 1,503 |
| Memoranda: | ||
| Average total assets | $258,183,000 | 2,629 |
| Average earning assets | $250,820,200 | 2,571 |
| Average equity | $25,039,000 | 2,516 |
| Average total loans | $191,095,400 | 2,355 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 1,670 |
| Cost of funding earning assets | 1.1840% | 2,480 |
| Net interest margin | 3.8924% | 1,419 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.1486% | 3,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5808% | 963 |
| Return on assets (ROA) | 1.5808% | 958 |
| Pretax return on assets | 1.7545% | 1,076 |
| Return on Equity (ROE) | 16.3300% | 1,193 |
| Retained earnings to average equity (ytd only) | 7.5237% | 2,140 |
| Net charge-offs to loans | 0.0007% | 2,627 |
| Credit loss provision to net charge-offs | -4,900.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | 3,353.0000% | 27 |
| Efficiency ratio | 55.0476% | 3,484 |
| Assets per employee ($millions) | 9.2597% | 850 |
| Cash dividends to net income (ytd only)* | 53.9225% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6216% | 853 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 78.5200% | 818 |
| Net loans and leases to deposits | 88.2343% | 1,366 |
| Net loans and leases to core deposits | 100.7705% | 1,280 |
| Total domestic deposits to total assets | 88.9900% | 1,257 |
| Equity capital to assets | 10.1432% | 1,747 |
| Core capital (leverage) ratio | 10.5675% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8654% | 1,603 |
| Memoranda: | ||
| Average total assets | $254,800,500 | 2,660 |
| Average earning assets | $247,624,250 | 2,589 |
| Average equity | $24,668,000 | 2,526 |
| Average total loans | $188,237,750 | 2,377 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0028% | 1,563 |
| Cost of funding earning assets | 1.0495% | 2,458 |
| Net interest margin | 3.9533% | 1,320 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.1077% | 3,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6716% | 829 |
| Return on assets (ROA) | 1.6716% | 833 |
| Pretax return on assets | 1.8549% | 927 |
| Return on Equity (ROE) | 17.5400% | 1,012 |
| Retained earnings to average equity (ytd only) | 6.9156% | 2,310 |
| Net charge-offs to loans | 0.0011% | 2,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2,378.0000% | 57 |
| Efficiency ratio | 53.1890% | 3,678 |
| Assets per employee ($millions) | 9.0014% | 909 |
| Cash dividends to net income (ytd only)* | 60.5693% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 765 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 78.2600% | 807 |
| Net loans and leases to deposits | 87.9157% | 1,349 |
| Net loans and leases to core deposits | 97.2322% | 1,399 |
| Total domestic deposits to total assets | 89.0100% | 1,255 |
| Equity capital to assets | 10.1980% | 1,745 |
| Core capital (leverage) ratio | 10.3057% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8801% | 1,604 |
| Memoranda: | ||
| Average total assets | $256,397,000 | 2,652 |
| Average earning assets | $249,258,333 | 2,583 |
| Average equity | $24,437,667 | 2,545 |
| Average total loans | $184,466,000 | 2,396 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 1,642 |
| Cost of funding earning assets | 0.9457% | 2,234 |
| Net interest margin | 3.8469% | 1,586 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.8930% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7729% | 709 |
| Return on assets (ROA) | 1.7729% | 704 |
| Pretax return on assets | 1.9675% | 822 |
| Return on Equity (ROE) | 19.2200% | 851 |
| Retained earnings to average equity (ytd only) | 10.8803% | 1,492 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.0351% | 4,022 |
| Assets per employee ($millions) | 10.0129% | 696 |
| Cash dividends to net income (ytd only)* | 43.3962% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 634 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 67.9000% | 1,845 |
| Net loans and leases to deposits | 75.6119% | 2,156 |
| Net loans and leases to core deposits | 81.2117% | 2,166 |
| Total domestic deposits to total assets | 89.8000% | 1,233 |
| Equity capital to assets | 9.4801% | 2,160 |
| Core capital (leverage) ratio | 9.5975% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5395% | 1,479 |
| Memoranda: | ||
| Average total assets | $263,076,000 | 2,653 |
| Average earning assets | $255,895,500 | 2,579 |
| Average equity | $24,264,000 | 2,583 |
| Average total loans | $179,962,500 | 2,451 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 2,274 |
| Cost of funding earning assets | 0.4113% | 2,005 |
| Net interest margin | 3.3922% | 2,284 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.8472% | 3,937 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.3769% | 1,186 |
| Return on assets (ROA) | 1.3769% | 1,144 |
| Pretax return on assets | 1.5369% | 1,335 |
| Return on Equity (ROE) | 17.1700% | 836 |
| Retained earnings to average equity (ytd only) | 12.6824% | 557 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.1383% | 3,785 |
| Assets per employee ($millions) | 10.2237% | 630 |
| Cash dividends to net income (ytd only)* | 26.1243% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 574 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.4100% | 1,994 |
| Net loans and leases to deposits | 73.2284% | 2,314 |
| Net loans and leases to core deposits | 78.2157% | 2,259 |
| Total domestic deposits to total assets | 90.6900% | 1,064 |
| Equity capital to assets | 8.9716% | 2,374 |
| Core capital (leverage) ratio | 8.6096% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2895% | 1,536 |
| Memoranda: | ||
| Average total assets | $279,393,000 | 2,555 |
| Average earning assets | $271,826,800 | 2,481 |
| Average equity | $22,409,000 | 2,740 |
| Average total loans | $176,736,200 | 2,399 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4360% | 2,817 |
| Cost of funding earning assets | 0.3132% | 2,029 |
| Net interest margin | 3.1228% | 2,858 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.8015% | 3,986 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1716% | 1,801 |
| Return on assets (ROA) | 1.1716% | 1,773 |
| Pretax return on assets | 1.3088% | 2,018 |
| Return on Equity (ROE) | 15.0300% | 1,168 |
| Retained earnings to average equity (ytd only) | 8.9494% | 1,667 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.2434% | 3,485 |
| Assets per employee ($millions) | 11.5569% | 438 |
| Cash dividends to net income (ytd only)* | 40.4427% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8837% | 620 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 58.1900% | 2,676 |
| Net loans and leases to deposits | 63.0250% | 2,941 |
| Net loans and leases to core deposits | 66.3253% | 2,934 |
| Total domestic deposits to total assets | 92.3300% | 771 |
| Equity capital to assets | 7.4484% | 3,250 |
| Core capital (leverage) ratio | 8.1713% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4838% | 1,882 |
| Memoranda: | ||
| Average total assets | $282,787,250 | 2,559 |
| Average earning assets | $274,962,750 | 2,480 |
| Average equity | $22,049,250 | 2,821 |
| Average total loans | $175,949,750 | 2,411 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3323% | 2,637 |
| Cost of funding earning assets | 0.2512% | 2,251 |
| Net interest margin | 3.0811% | 2,594 |
| Noninterest income to average assets | 0.1112% | 4,442 |
| Noninterest expense to average assets | 1.8144% | 3,920 |
| Loan and lease loss provision to assets | 0.0563% | 1,573 |
| Net operating income to assets | 1.1210% | 1,699 |
| Return on assets (ROA) | 1.1210% | 1,675 |
| Pretax return on assets | 1.2351% | 1,948 |
| Return on Equity (ROE) | 14.1485% | 1,079 |
| Retained earnings to average equity (ytd only) | 8.1682% | 1,559 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4186% | 3,498 |
| Assets per employee ($millions) | 9.9190% | 679 |
| Cash dividends to net income (ytd only)* | 42.2680% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 63.0946% | 2,006 |
| Net loans and leases to deposits | 68.6681% | 2,328 |
| Net loans and leases to core deposits | 73.5131% | 2,207 |
| Total domestic deposits to total assets | 91.8835% | 886 |
| Equity capital to assets | 7.9523% | 3,157 |
| Core capital (leverage) ratio | 8.2225% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1530% | 1,996 |
| Memoranda: | ||
| Average total assets | $276,890,000 | 2,603 |
| Average earning assets | $269,124,333 | 2,545 |
| Average equity | $21,938,667 | 2,904 |
| Average total loans | $175,196,000 | 2,417 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2391% | 2,572 |
| Cost of funding earning assets | 0.2335% | 2,344 |
| Net interest margin | 3.0056% | 2,484 |
| Noninterest income to average assets | 0.1114% | 4,450 |
| Noninterest expense to average assets | 1.7579% | 4,041 |
| Loan and lease loss provision to assets | 0.0940% | 875 |
| Net operating income to assets | 1.0518% | 1,683 |
| Return on assets (ROA) | 1.0518% | 1,674 |
| Pretax return on assets | 1.1835% | 1,867 |
| Return on Equity (ROE) | 13.2998% | 978 |
| Retained earnings to average equity (ytd only) | 11.2143% | 741 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9123% | 3,692 |
| Assets per employee ($millions) | 10.2793% | 635 |
| Cash dividends to net income (ytd only)* | 15.6809% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8803% | 772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.8742% | 1,755 |
| Net loans and leases to deposits | 68.3838% | 2,110 |
| Net loans and leases to core deposits | 73.3604% | 1,985 |
| Total domestic deposits to total assets | 91.9431% | 595 |
| Equity capital to assets | 7.9077% | 3,638 |
| Core capital (leverage) ratio | 8.1044% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3398% | 2,059 |
| Memoranda: | ||
| Average total assets | $276,469,000 | 2,619 |
| Average earning assets | $268,961,000 | 2,561 |
| Average equity | $21,865,000 | 2,997 |
| Average total loans | $173,498,500 | 2,429 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 2,340 |
| Cost of funding earning assets | 0.3064% | 2,342 |
| Net interest margin | 3.3083% | 2,298 |
| Noninterest income to average assets | 0.1209% | 4,530 |
| Noninterest expense to average assets | 1.7711% | 4,192 |
| Loan and lease loss provision to assets | 0.2897% | 285 |
| Net operating income to assets | 1.1421% | 2,136 |
| Return on assets (ROA) | 1.1421% | 2,190 |
| Pretax return on assets | 1.2797% | 2,420 |
| Return on Equity (ROE) | 14.5077% | 1,065 |
| Retained earnings to average equity (ytd only) | 8.1420% | 1,483 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0202% | 4,028 |
| Assets per employee ($millions) | 9.8356% | 700 |
| Cash dividends to net income (ytd only)* | 43.8779% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9385% | 675 |
| 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 | 60.2303% | 2,138 |
| Net loans and leases to deposits | 65.5770% | 2,551 |
| Net loans and leases to core deposits | 71.2862% | 2,323 |
| Total domestic deposits to total assets | 91.8467% | 223 |
| Equity capital to assets | 7.9096% | 4,414 |
| Core capital (leverage) ratio | 7.8622% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8746% | 1,899 |
| Memoranda: | ||
| Average total assets | $269,599,600 | 2,605 |
| Average earning assets | $262,372,200 | 2,536 |
| Average equity | $21,223,200 | 3,120 |
| Average total loans | $175,878,200 | 2,417 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 2,301 |
| Cost of funding earning assets | 0.3308% | 2,291 |
| Net interest margin | 3.3589% | 2,271 |
| Noninterest income to average assets | 0.1223% | 4,579 |
| Noninterest expense to average assets | 1.7328% | 4,279 |
| Loan and lease loss provision to assets | 0.2387% | 397 |
| Net operating income to assets | 1.4216% | 1,469 |
| Return on assets (ROA) | 1.4216% | 1,536 |
| Pretax return on assets | 1.4226% | 2,242 |
| Return on Equity (ROE) | 18.0803% | 620 |
| Retained earnings to average equity (ytd only) | 9.5366% | 1,465 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0548% | 4,118 |
| Assets per employee ($millions) | 10.7909% | 512 |
| Cash dividends to net income (ytd only)* | 47.2543% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 1,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 60.1542% | 2,238 |
| Net loans and leases to deposits | 65.4547% | 2,683 |
| Net loans and leases to core deposits | 71.3019% | 2,490 |
| Total domestic deposits to total assets | 91.9020% | 143 |
| Equity capital to assets | 7.7241% | 4,641 |
| Core capital (leverage) ratio | 7.9818% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8720% | 2,016 |
| Memoranda: | ||
| Average total assets | $268,150,000 | 2,633 |
| Average earning assets | $261,187,750 | 2,565 |
| Average equity | $21,083,250 | 3,161 |
| Average total loans | $177,559,750 | 2,440 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7139% | 2,295 |
| Cost of funding earning assets | 0.3618% | 2,213 |
| Net interest margin | 3.3521% | 2,294 |
| Noninterest income to average assets | 0.1250% | 4,581 |
| Noninterest expense to average assets | 1.7393% | 4,304 |
| Loan and lease loss provision to assets | 0.1136% | 1,111 |
| Net operating income to assets | 1.5340% | 1,205 |
| Return on assets (ROA) | 1.5340% | 1,268 |
| Pretax return on assets | 1.5355% | 1,916 |
| Return on Equity (ROE) | 19.3897% | 507 |
| Retained earnings to average equity (ytd only) | 10.4369% | 1,275 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3302% | 4,113 |
| Assets per employee ($millions) | 9.9351% | 623 |
| Cash dividends to net income (ytd only)* | 46.1728% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 1,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 65.3849% | 1,773 |
| Net loans and leases to deposits | 71.7324% | 2,234 |
| Net loans and leases to core deposits | 78.3389% | 2,023 |
| Total domestic deposits to total assets | 91.1511% | 326 |
| Equity capital to assets | 7.9304% | 4,568 |
| Core capital (leverage) ratio | 7.6599% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8959% | 2,003 |
| Memoranda: | ||
| Average total assets | $264,012,000 | 2,656 |
| Average earning assets | $257,035,667 | 2,579 |
| Average equity | $20,887,333 | 3,171 |
| Average total loans | $179,496,667 | 2,439 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 1,526 |
| Cost of funding earning assets | 0.3907% | 2,167 |
| Net interest margin | 3.6509% | 1,447 |
| Noninterest income to average assets | 0.1084% | 4,644 |
| Noninterest expense to average assets | 1.6877% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9718% | 590 |
| Return on assets (ROA) | 1.9718% | 635 |
| Pretax return on assets | 1.9748% | 986 |
| Return on Equity (ROE) | 24.9535% | 260 |
| Retained earnings to average equity (ytd only) | 18.3624% | 343 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0801% | 4,466 |
| Assets per employee ($millions) | 10.5068% | 514 |
| Cash dividends to net income (ytd only)* | 26.4136% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 2,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 66.3277% | 1,753 |
| Net loans and leases to deposits | 73.0483% | 2,208 |
| Net loans and leases to core deposits | 80.3274% | 1,971 |
| Total domestic deposits to total assets | 90.7997% | 475 |
| Equity capital to assets | 7.7485% | 4,613 |
| Core capital (leverage) ratio | 8.0577% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8095% | 1,960 |
| Memoranda: | ||
| Average total assets | $261,894,500 | 2,656 |
| Average earning assets | $254,951,000 | 2,575 |
| Average equity | $20,694,500 | 3,182 |
| Average total loans | $180,225,000 | 2,435 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 2,611 |
| Cost of funding earning assets | 0.6425% | 2,045 |
| Net interest margin | 3.3964% | 2,791 |
| Noninterest income to average assets | 0.1222% | 4,663 |
| Noninterest expense to average assets | 2.0745% | 3,985 |
| Loan and lease loss provision to assets | 0.1863% | 2,088 |
| Net operating income to assets | 1.1614% | 1,680 |
| Return on assets (ROA) | 1.1614% | 1,799 |
| Pretax return on assets | 1.1623% | 2,466 |
| Return on Equity (ROE) | 13.6648% | 893 |
| Retained earnings to average equity (ytd only) | 7.6778% | 1,150 |
| Net charge-offs to loans | -0.0029% | 4,034 |
| Credit loss provision to net charge-offs | -8,480.0000% | 4,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6033% | 3,375 |
| Assets per employee ($millions) | 8.6418% | 853 |
| Cash dividends to net income (ytd only)* | 43.8138% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 1,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 69.5346% | 1,616 |
| Net loans and leases to deposits | 77.6091% | 2,111 |
| Net loans and leases to core deposits | 87.1245% | 1,783 |
| Total domestic deposits to total assets | 89.5959% | 732 |
| Equity capital to assets | 8.0690% | 4,678 |
| Core capital (leverage) ratio | 8.0574% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3140% | 2,119 |
| Memoranda: | ||
| Average total assets | $227,573,000 | 2,742 |
| Average earning assets | $221,178,600 | 2,667 |
| Average equity | $19,341,600 | 3,250 |
| Average total loans | $173,277,400 | 2,461 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 3,299 |
| Cost of funding earning assets | 0.7117% | 1,953 |
| Net interest margin | 3.1741% | 3,555 |
| Noninterest income to average assets | 0.1250% | 4,668 |
| Noninterest expense to average assets | 1.9890% | 4,168 |
| Loan and lease loss provision to assets | 0.0897% | 3,194 |
| Net operating income to assets | 1.1282% | 1,885 |
| Return on assets (ROA) | 1.1282% | 2,009 |
| Pretax return on assets | 1.1295% | 2,649 |
| Return on Equity (ROE) | 13.0879% | 1,081 |
| Retained earnings to average equity (ytd only) | 5.0134% | 2,552 |
| Net charge-offs to loans | -0.0039% | 3,997 |
| Credit loss provision to net charge-offs | -2,980.0000% | 4,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0011% | 3,078 |
| Assets per employee ($millions) | 8.6554% | 788 |
| Cash dividends to net income (ytd only)* | 61.6942% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 2,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 76.2831% | 1,057 |
| Net loans and leases to deposits | 85.2711% | 1,782 |
| Net loans and leases to core deposits | 95.0562% | 1,536 |
| Total domestic deposits to total assets | 89.4595% | 592 |
| Equity capital to assets | 8.0301% | 4,703 |
| Core capital (leverage) ratio | 8.0859% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9380% | 2,234 |
| Memoranda: | ||
| Average total assets | $221,813,250 | 2,767 |
| Average earning assets | $215,450,000 | 2,697 |
| Average equity | $19,121,500 | 3,268 |
| Average total loans | $172,406,750 | 2,463 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,226 |
| Cost of funding earning assets | 0.7904% | 1,872 |
| Net interest margin | 3.2495% | 3,525 |
| Noninterest income to average assets | 0.1247% | 4,678 |
| Noninterest expense to average assets | 2.0170% | 4,199 |
| Loan and lease loss provision to assets | 0.1386% | 2,628 |
| Net operating income to assets | 1.1230% | 1,894 |
| Return on assets (ROA) | 1.1230% | 2,012 |
| Pretax return on assets | 1.1248% | 2,636 |
| Return on Equity (ROE) | 12.6997% | 1,171 |
| Retained earnings to average equity (ytd only) | 3.7562% | 3,039 |
| Net charge-offs to loans | -0.0060% | 4,062 |
| Credit loss provision to net charge-offs | -2,980.0000% | 3,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4861% | 3,206 |
| Assets per employee ($millions) | 7.3468% | 1,250 |
| Cash dividends to net income (ytd only)* | 70.4225% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 2,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 75.9984% | 1,140 |
| Net loans and leases to deposits | 84.7933% | 1,917 |
| Net loans and leases to core deposits | 94.7214% | 1,692 |
| Total domestic deposits to total assets | 89.6278% | 516 |
| Equity capital to assets | 7.8805% | 4,770 |
| Core capital (leverage) ratio | 8.1620% | 4,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6804% | 2,325 |
| Memoranda: | ||
| Average total assets | $214,967,667 | 2,794 |
| Average earning assets | $208,768,000 | 2,722 |
| Average equity | $19,008,333 | 3,268 |
| Average total loans | $167,511,000 | 2,493 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 2,478 |
| Cost of funding earning assets | 0.9109% | 1,812 |
| Net interest margin | 3.5292% | 2,884 |
| Noninterest income to average assets | 0.1511% | 4,615 |
| Noninterest expense to average assets | 2.1389% | 4,137 |
| Loan and lease loss provision to assets | 0.0974% | 2,466 |
| Net operating income to assets | 1.3457% | 1,119 |
| Return on assets (ROA) | 1.3457% | 1,207 |
| Pretax return on assets | 1.3497% | 1,719 |
| Return on Equity (ROE) | 14.2831% | 649 |
| Retained earnings to average equity (ytd only) | 8.8610% | 1,010 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6452% | 3,789 |
| Assets per employee ($millions) | 7.6371% | 849 |
| Cash dividends to net income (ytd only)* | 37.9616% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 2,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.5647% | 1,201 |
| Net loans and leases to deposits | 87.2086% | 1,837 |
| Net loans and leases to core deposits | 100.2228% | 1,452 |
| Total domestic deposits to total assets | 87.7950% | 1,187 |
| Equity capital to assets | 9.3011% | 4,394 |
| Core capital (leverage) ratio | 9.4755% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5201% | 2,472 |
| Memoranda: | ||
| Average total assets | $201,228,500 | 2,858 |
| Average earning assets | $195,852,500 | 2,774 |
| Average equity | $18,959,500 | 3,276 |
| Average total loans | $158,028,000 | 2,564 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 2,146 |
| Cost of funding earning assets | 0.8954% | 2,207 |
| Net interest margin | 3.8698% | 2,274 |
| Noninterest income to average assets | 0.1744% | 4,615 |
| Noninterest expense to average assets | 2.3458% | 3,829 |
| Loan and lease loss provision to assets | 0.0915% | 2,199 |
| Net operating income to assets | 1.4987% | 1,059 |
| Return on assets (ROA) | 1.4987% | 1,124 |
| Pretax return on assets | 1.4997% | 1,810 |
| Return on Equity (ROE) | 15.7297% | 572 |
| Retained earnings to average equity (ytd only) | 7.9653% | 990 |
| Net charge-offs to loans | 0.0060% | 3,465 |
| Credit loss provision to net charge-offs | 1,911.1111% | 202 |
| Earnings coverage of net charge-offs (x) | 332.4444% | 262 |
| Efficiency ratio | 59.5840% | 3,756 |
| Assets per employee ($millions) | 7.2687% | 948 |
| Cash dividends to net income (ytd only)* | 49.3612% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 1,811 |
| Loan loss allowance to noncurrent loans | 41,380.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,679 |
| Noncurrent loans to loans | 0.0032% | 4,593 |
| Net loans and leases to total assets | 78.4653% | 1,002 |
| Net loans and leases to deposits | 89.9118% | 1,602 |
| Net loans and leases to core deposits | 103.4093% | 1,281 |
| Total domestic deposits to total assets | 87.2691% | 1,478 |
| Equity capital to assets | 9.5488% | 4,311 |
| Core capital (leverage) ratio | 9.6680% | 3,880 |
| Tier 1 risk-based capital ratio | 12.2013% | 4,242 |
| Total risk-based capital ratio | 13.4524% | 4,122 |
| Memoranda: | ||
| Average total assets | $188,034,800 | 2,935 |
| Average earning assets | $182,826,200 | 2,855 |
| Average equity | $17,915,200 | 3,350 |
| Average total loans | $150,652,800 | 2,614 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8405% | 1,999 |
| Cost of funding earning assets | 0.8886% | 2,280 |
| Net interest margin | 3.9519% | 2,097 |
| Noninterest income to average assets | 0.1771% | 4,659 |
| Noninterest expense to average assets | 2.3221% | 3,892 |
| Loan and lease loss provision to assets | 0.1011% | 1,899 |
| Net operating income to assets | 1.5944% | 945 |
| Return on assets (ROA) | 1.5944% | 989 |
| Pretax return on assets | 1.5958% | 1,653 |
| Return on Equity (ROE) | 16.7444% | 511 |
| Retained earnings to average equity (ytd only) | 6.2716% | 2,236 |
| Net charge-offs to loans | 0.0018% | 3,382 |
| Credit loss provision to net charge-offs | 7,050.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 1,181.9925% | 71 |
| Efficiency ratio | 57.7774% | 3,969 |
| Assets per employee ($millions) | 7.4369% | 860 |
| Cash dividends to net income (ytd only)* | 62.5449% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 1,823 |
| Loan loss allowance to noncurrent loans | 17,041.6667% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 4,739 |
| Noncurrent loans to loans | 0.0078% | 4,647 |
| Net loans and leases to total assets | 78.2034% | 1,106 |
| Net loans and leases to deposits | 89.4086% | 1,766 |
| Net loans and leases to core deposits | 101.4954% | 1,549 |
| Total domestic deposits to total assets | 87.4674% | 1,275 |
| Equity capital to assets | 9.3841% | 4,539 |
| Core capital (leverage) ratio | 9.3160% | 4,355 |
| Tier 1 risk-based capital ratio | 11.8619% | 4,481 |
| Total risk-based capital ratio | 13.1128% | 4,367 |
| Memoranda: | ||
| Average total assets | $185,979,750 | 2,984 |
| Average earning assets | $180,804,250 | 2,898 |
| Average equity | $17,709,000 | 3,389 |
| Average total loans | $149,300,750 | 2,654 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8238% | 1,986 |
| Cost of funding earning assets | 0.8548% | 2,377 |
| Net interest margin | 3.9690% | 2,019 |
| Noninterest income to average assets | 0.1744% | 4,701 |
| Noninterest expense to average assets | 2.3387% | 3,896 |
| Loan and lease loss provision to assets | 0.1537% | 1,187 |
| Net operating income to assets | 1.5355% | 1,046 |
| Return on assets (ROA) | 1.5355% | 1,099 |
| Pretax return on assets | 1.5377% | 1,735 |
| Return on Equity (ROE) | 16.0445% | 582 |
| Retained earnings to average equity (ytd only) | 4.6004% | 2,976 |
| Net charge-offs to loans | -0.0027% | 4,012 |
| Credit loss provision to net charge-offs | -7,050.0000% | 4,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0314% | 4,007 |
| Assets per employee ($millions) | 6.6638% | 1,153 |
| Cash dividends to net income (ytd only)* | 71.3272% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 1,868 |
| Loan loss allowance to noncurrent loans | 17,066.6667% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 4,778 |
| Noncurrent loans to loans | 0.0078% | 4,691 |
| Net loans and leases to total assets | 81.0243% | 730 |
| Net loans and leases to deposits | 92.7997% | 1,403 |
| Net loans and leases to core deposits | 105.2939% | 1,286 |
| Total domestic deposits to total assets | 87.3109% | 1,433 |
| Equity capital to assets | 9.4948% | 4,406 |
| Core capital (leverage) ratio | 9.3727% | 4,282 |
| Tier 1 risk-based capital ratio | 11.4902% | 4,689 |
| Total risk-based capital ratio | 12.7410% | 4,585 |
| Memoranda: | ||
| Average total assets | $183,519,670 | 3,018 |
| Average earning assets | $178,281,670 | 2,936 |
| Average equity | $17,563,670 | 3,412 |
| Average total loans | $147,981,330 | 2,679 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 2,036 |
| Cost of funding earning assets | 0.7966% | 2,556 |
| Net interest margin | 3.9625% | 1,975 |
| Noninterest income to average assets | 0.1736% | 4,698 |
| Noninterest expense to average assets | 2.3101% | 3,996 |
| Loan and lease loss provision to assets | 0.1890% | 867 |
| Net operating income to assets | 1.5078% | 1,095 |
| Return on assets (ROA) | 1.5078% | 1,123 |
| Pretax return on assets | 1.5122% | 1,721 |
| Return on Equity (ROE) | 15.6912% | 634 |
| Retained earnings to average equity (ytd only) | 8.3259% | 1,540 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5890% | 4,136 |
| Assets per employee ($millions) | 7.0137% | 997 |
| Cash dividends to net income (ytd only)* | 46.9388% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 1,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 80.5167% | 779 |
| Net loans and leases to deposits | 92.4563% | 1,349 |
| Net loans and leases to core deposits | 104.7799% | 1,259 |
| Total domestic deposits to total assets | 87.0862% | 1,765 |
| Equity capital to assets | 9.6898% | 4,100 |
| Core capital (leverage) ratio | 9.8518% | 3,763 |
| Tier 1 risk-based capital ratio | 11.9305% | 4,499 |
| Total risk-based capital ratio | 13.1816% | 4,394 |
| Memoranda: | ||
| Average total assets | $181,986,500 | 3,068 |
| Average earning assets | $176,254,000 | 2,988 |
| Average equity | $17,487,500 | 3,421 |
| Average total loans | $145,358,000 | 2,736 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 2,539 |
| Cost of funding earning assets | 0.6557% | 2,350 |
| Net interest margin | 3.8174% | 2,604 |
| Noninterest income to average assets | 0.1624% | 4,910 |
| Noninterest expense to average assets | 2.2826% | 4,164 |
| Loan and lease loss provision to assets | 0.0650% | 2,852 |
| Net operating income to assets | 1.5157% | 1,081 |
| Return on assets (ROA) | 1.5157% | 1,064 |
| Pretax return on assets | 1.5168% | 1,726 |
| Return on Equity (ROE) | 16.1635% | 597 |
| Retained earnings to average equity (ytd only) | 8.7927% | 941 |
| Net charge-offs to loans | 0.0110% | 3,310 |
| Credit loss provision to net charge-offs | 760.0000% | 470 |
| Earnings coverage of net charge-offs (x) | 185.0667% | 478 |
| Efficiency ratio | 59.0681% | 4,001 |
| Assets per employee ($millions) | 6.9853% | 980 |
| Cash dividends to net income (ytd only)* | 45.6015% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 1,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.0809% | 1,429 |
| Net loans and leases to deposits | 89.3199% | 1,889 |
| Net loans and leases to core deposits | 98.2207% | 1,853 |
| Total domestic deposits to total assets | 86.2975% | 2,089 |
| Equity capital to assets | 9.5283% | 4,104 |
| Core capital (leverage) ratio | 9.4611% | 4,156 |
| Tier 1 risk-based capital ratio | 12.1891% | 4,303 |
| Total risk-based capital ratio | 13.4399% | 4,182 |
| Memoranda: | ||
| Average total assets | $175,501,200 | 3,106 |
| Average earning assets | $170,194,200 | 3,022 |
| Average equity | $16,456,800 | 3,464 |
| Average total loans | $136,155,000 | 2,815 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 2,595 |
| Cost of funding earning assets | 0.6207% | 2,331 |
| Net interest margin | 3.7884% | 2,693 |
| Noninterest income to average assets | 0.1617% | 4,974 |
| Noninterest expense to average assets | 2.2555% | 4,203 |
| Loan and lease loss provision to assets | 0.0460% | 3,064 |
| Net operating income to assets | 1.5305% | 1,118 |
| Return on assets (ROA) | 1.5305% | 1,120 |
| Pretax return on assets | 1.5320% | 1,797 |
| Return on Equity (ROE) | 16.3905% | 630 |
| Retained earnings to average equity (ytd only) | 6.4348% | 2,414 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8365% | 3,985 |
| Assets per employee ($millions) | 8.1601% | 612 |
| Cash dividends to net income (ytd only)* | 60.7410% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 1,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 75.0907% | 1,796 |
| Net loans and leases to deposits | 85.9370% | 2,376 |
| Net loans and leases to core deposits | 95.4223% | 2,168 |
| Total domestic deposits to total assets | 87.3788% | 1,556 |
| Equity capital to assets | 9.2696% | 4,307 |
| Core capital (leverage) ratio | 9.4226% | 4,257 |
| Tier 1 risk-based capital ratio | 12.2418% | 4,352 |
| Total risk-based capital ratio | 13.4929% | 4,244 |
| Memoranda: | ||
| Average total assets | $173,972,250 | 3,148 |
| Average earning assets | $168,614,250 | 3,063 |
| Average equity | $16,244,750 | 3,515 |
| Average total loans | $134,719,250 | 2,848 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 2,584 |
| Cost of funding earning assets | 0.5838% | 2,338 |
| Net interest margin | 3.7673% | 2,684 |
| Noninterest income to average assets | 0.1580% | 5,037 |
| Noninterest expense to average assets | 2.2484% | 4,264 |
| Loan and lease loss provision to assets | 0.0430% | 3,040 |
| Net operating income to assets | 1.5082% | 1,141 |
| Return on assets (ROA) | 1.5082% | 1,135 |
| Pretax return on assets | 1.5106% | 1,776 |
| Return on Equity (ROE) | 16.1115% | 653 |
| Retained earnings to average equity (ytd only) | 5.0768% | 3,034 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1381% | 4,064 |
| Assets per employee ($millions) | 8.3080% | 557 |
| Cash dividends to net income (ytd only)* | 68.4900% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 1,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.0703% | 1,006 |
| Net loans and leases to deposits | 92.3532% | 1,537 |
| Net loans and leases to core deposits | 103.0390% | 1,479 |
| Total domestic deposits to total assets | 86.7001% | 1,972 |
| Equity capital to assets | 9.7900% | 3,828 |
| Core capital (leverage) ratio | 9.6585% | 3,932 |
| Tier 1 risk-based capital ratio | 12.1132% | 4,429 |
| Total risk-based capital ratio | 13.3641% | 4,306 |
| Memoranda: | ||
| Average total assets | $172,122,000 | 3,191 |
| Average earning assets | $166,484,670 | 3,103 |
| Average equity | $16,112,670 | 3,548 |
| Average total loans | $134,068,330 | 2,866 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 2,696 |
| Cost of funding earning assets | 0.5641% | 2,285 |
| Net interest margin | 3.6892% | 2,843 |
| Noninterest income to average assets | 0.1531% | 5,098 |
| Noninterest expense to average assets | 2.1747% | 4,481 |
| Loan and lease loss provision to assets | 0.0777% | 2,219 |
| Net operating income to assets | 1.4666% | 1,158 |
| Return on assets (ROA) | 1.4666% | 1,157 |
| Pretax return on assets | 1.4711% | 1,762 |
| Return on Equity (ROE) | 16.0145% | 617 |
| Retained earnings to average equity (ytd only) | 8.9052% | 1,490 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4049% | 4,295 |
| Assets per employee ($millions) | 7.3428% | 832 |
| Cash dividends to net income (ytd only)* | 44.3925% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 1,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 75.8430% | 1,566 |
| Net loans and leases to deposits | 86.6674% | 2,083 |
| Net loans and leases to core deposits | 93.6609% | 2,167 |
| Total domestic deposits to total assets | 87.5104% | 1,893 |
| Equity capital to assets | 9.2007% | 4,363 |
| Core capital (leverage) ratio | 9.3393% | 4,272 |
| Tier 1 risk-based capital ratio | 12.0601% | 4,517 |
| Total risk-based capital ratio | 13.3110% | 4,402 |
| Memoranda: | ||
| Average total assets | $175,103,500 | 3,189 |
| Average earning assets | $169,469,500 | 3,106 |
| Average equity | $16,035,500 | 3,588 |
| Average total loans | $133,658,500 | 2,894 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 3,046 |
| Cost of funding earning assets | 0.5229% | 2,157 |
| Net interest margin | 3.5801% | 3,237 |
| Noninterest income to average assets | 0.1714% | 5,098 |
| Noninterest expense to average assets | 2.1095% | 4,741 |
| Loan and lease loss provision to assets | 0.0638% | 2,949 |
| Net operating income to assets | 1.4647% | 876 |
| Return on assets (ROA) | 1.4647% | 884 |
| Pretax return on assets | 1.4664% | 1,756 |
| Return on Equity (ROE) | 16.3037% | 447 |
| Retained earnings to average equity (ytd only) | 7.1452% | 1,024 |
| Net charge-offs to loans | -0.0079% | 4,732 |
| Credit loss provision to net charge-offs | -1,080.0000% | 5,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9571% | 4,534 |
| Assets per employee ($millions) | 7.2492% | 864 |
| Cash dividends to net income (ytd only)* | 56.1743% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 1,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 74.7294% | 1,803 |
| Net loans and leases to deposits | 85.4535% | 2,331 |
| Net loans and leases to core deposits | 92.6138% | 2,315 |
| Total domestic deposits to total assets | 87.4504% | 1,788 |
| Equity capital to assets | 9.1142% | 4,605 |
| Core capital (leverage) ratio | 9.0853% | 4,542 |
| Tier 1 risk-based capital ratio | 12.0282% | 4,506 |
| Total risk-based capital ratio | 13.2795% | 4,391 |
| Memoranda: | ||
| Average total assets | $169,184,200 | 3,255 |
| Average earning assets | $163,904,400 | 3,154 |
| Average equity | $15,199,000 | 3,699 |
| Average total loans | $126,604,800 | 2,973 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 3,111 |
| Cost of funding earning assets | 0.5118% | 2,169 |
| Net interest margin | 3.5531% | 3,309 |
| Noninterest income to average assets | 0.1762% | 5,133 |
| Noninterest expense to average assets | 2.0597% | 4,830 |
| Loan and lease loss provision to assets | 0.0286% | 3,557 |
| Net operating income to assets | 1.5295% | 837 |
| Return on assets (ROA) | 1.5295% | 861 |
| Pretax return on assets | 1.5318% | 1,664 |
| Return on Equity (ROE) | 17.0892% | 408 |
| Retained earnings to average equity (ytd only) | 4.7446% | 3,053 |
| Net charge-offs to loans | -0.0106% | 4,651 |
| Credit loss provision to net charge-offs | -360.0000% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8954% | 4,625 |
| Assets per employee ($millions) | 7.2285% | 859 |
| Cash dividends to net income (ytd only)* | 72.2365% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 2,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 72.2080% | 2,226 |
| Net loans and leases to deposits | 82.2781% | 2,747 |
| Net loans and leases to core deposits | 89.4926% | 2,656 |
| Total domestic deposits to total assets | 87.7609% | 1,491 |
| Equity capital to assets | 8.8227% | 5,063 |
| Core capital (leverage) ratio | 8.9012% | 4,861 |
| Tier 1 risk-based capital ratio | 11.8987% | 4,701 |
| Total risk-based capital ratio | 13.1493% | 4,578 |
| Memoranda: | ||
| Average total assets | $167,985,000 | 3,299 |
| Average earning assets | $162,820,500 | 3,194 |
| Average equity | $15,034,500 | 3,751 |
| Average total loans | $125,300,750 | 3,009 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 3,095 |
| Cost of funding earning assets | 0.4968% | 2,183 |
| Net interest margin | 3.5324% | 3,289 |
| Noninterest income to average assets | 0.1757% | 5,175 |
| Noninterest expense to average assets | 1.9849% | 5,004 |
| Loan and lease loss provision to assets | 0.0433% | 3,130 |
| Net operating income to assets | 1.5672% | 757 |
| Return on assets (ROA) | 1.5672% | 778 |
| Pretax return on assets | 1.5709% | 1,430 |
| Return on Equity (ROE) | 17.4251% | 378 |
| Retained earnings to average equity (ytd only) | 3.2789% | 3,769 |
| Net charge-offs to loans | -0.0160% | 4,690 |
| Credit loss provision to net charge-offs | -360.0000% | 4,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1505% | 4,909 |
| Assets per employee ($millions) | 7.2271% | 834 |
| Cash dividends to net income (ytd only)* | 81.1828% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 2,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 74.7112% | 1,749 |
| Net loans and leases to deposits | 85.4060% | 2,297 |
| Net loans and leases to core deposits | 89.8000% | 2,544 |
| Total domestic deposits to total assets | 87.4777% | 1,736 |
| Equity capital to assets | 9.0336% | 4,864 |
| Core capital (leverage) ratio | 8.8424% | 4,903 |
| Tier 1 risk-based capital ratio | 11.8531% | 4,726 |
| Total risk-based capital ratio | 13.1041% | 4,617 |
| Memoranda: | ||
| Average total assets | $166,151,670 | 3,328 |
| Average earning assets | $161,024,670 | 3,229 |
| Average equity | $14,944,000 | 3,769 |
| Average total loans | $124,732,670 | 3,028 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9552% | 3,189 |
| Cost of funding earning assets | 0.4891% | 2,172 |
| Net interest margin | 3.4661% | 3,401 |
| Noninterest income to average assets | 0.1758% | 5,223 |
| Noninterest expense to average assets | 1.9047% | 5,229 |
| Loan and lease loss provision to assets | 0.0650% | 2,501 |
| Net operating income to assets | 1.5604% | 728 |
| Return on assets (ROA) | 1.5604% | 749 |
| Pretax return on assets | 1.5676% | 1,318 |
| Return on Equity (ROE) | 17.3866% | 382 |
| Retained earnings to average equity (ytd only) | 7.3249% | 1,730 |
| Net charge-offs to loans | -0.0161% | 4,626 |
| Credit loss provision to net charge-offs | -540.0000% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8462% | 5,142 |
| Assets per employee ($millions) | 8.2006% | 570 |
| Cash dividends to net income (ytd only)* | 57.8704% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 2,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 72.1018% | 2,061 |
| Net loans and leases to deposits | 81.9872% | 2,512 |
| Net loans and leases to core deposits | 86.1799% | 2,691 |
| Total domestic deposits to total assets | 87.9428% | 1,749 |
| Equity capital to assets | 8.7363% | 5,048 |
| Core capital (leverage) ratio | 8.7913% | 4,963 |
| Tier 1 risk-based capital ratio | 12.0090% | 4,712 |
| Total risk-based capital ratio | 13.2604% | 4,607 |
| Memoranda: | ||
| Average total assets | $166,115,500 | 3,358 |
| Average earning assets | $161,104,000 | 3,250 |
| Average equity | $14,908,000 | 3,795 |
| Average total loans | $124,137,500 | 3,052 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 3,119 |
| Cost of funding earning assets | 0.4484% | 2,552 |
| Net interest margin | 3.5739% | 3,171 |
| Noninterest income to average assets | 0.1870% | 5,279 |
| Noninterest expense to average assets | 2.0415% | 5,110 |
| Loan and lease loss provision to assets | 0.0039% | 4,277 |
| Net operating income to assets | 1.6090% | 662 |
| Return on assets (ROA) | 1.6090% | 686 |
| Pretax return on assets | 1.6096% | 1,251 |
| Return on Equity (ROE) | 17.3913% | 370 |
| Retained earnings to average equity (ytd only) | 8.2118% | 783 |
| Net charge-offs to loans | -0.0737% | 5,496 |
| Credit loss provision to net charge-offs | -6.9767% | 4,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8537% | 5,082 |
| Assets per employee ($millions) | 8.0010% | 611 |
| Cash dividends to net income (ytd only)* | 52.7823% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 2,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 75.4267% | 1,611 |
| Net loans and leases to deposits | 86.9362% | 2,056 |
| Net loans and leases to core deposits | 92.2562% | 2,275 |
| Total domestic deposits to total assets | 86.7609% | 2,257 |
| Equity capital to assets | 9.2308% | 4,538 |
| Core capital (leverage) ratio | 9.4778% | 4,114 |
| Tier 1 risk-based capital ratio | 12.0358% | 4,704 |
| Total risk-based capital ratio | 13.2872% | 4,590 |
| Memoranda: | ||
| Average total assets | $151,900,200 | 3,489 |
| Average earning assets | $147,402,400 | 3,398 |
| Average equity | $14,053,000 | 3,934 |
| Average total loans | $116,611,400 | 3,118 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 3,100 |
| Cost of funding earning assets | 0.4463% | 2,588 |
| Net interest margin | 3.5859% | 3,127 |
| Noninterest income to average assets | 0.1859% | 5,346 |
| Noninterest expense to average assets | 2.0568% | 5,094 |
| Loan and lease loss provision to assets | 0.0053% | 4,124 |
| Net operating income to assets | 1.6040% | 722 |
| Return on assets (ROA) | 1.6040% | 760 |
| Pretax return on assets | 1.6049% | 1,364 |
| Return on Equity (ROE) | 17.3276% | 415 |
| Retained earnings to average equity (ytd only) | 4.9301% | 2,880 |
| Net charge-offs to loans | -0.0232% | 5,061 |
| Credit loss provision to net charge-offs | -30.0000% | 4,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0893% | 5,058 |
| Assets per employee ($millions) | 7.4093% | 751 |
| Cash dividends to net income (ytd only)* | 71.5475% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 2,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 73.3714% | 1,974 |
| Net loans and leases to deposits | 84.4857% | 2,433 |
| Net loans and leases to core deposits | 89.4470% | 2,631 |
| Total domestic deposits to total assets | 86.8448% | 1,968 |
| Equity capital to assets | 9.0831% | 5,091 |
| Core capital (leverage) ratio | 9.1760% | 4,624 |
| Tier 1 risk-based capital ratio | 12.2068% | 4,671 |
| Total risk-based capital ratio | 13.4583% | 4,560 |
| Memoranda: | ||
| Average total assets | $149,870,500 | 3,543 |
| Average earning assets | $145,493,750 | 3,448 |
| Average equity | $13,873,500 | 3,990 |
| Average total loans | $115,167,750 | 3,148 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0619% | 3,020 |
| Cost of funding earning assets | 0.4375% | 2,677 |
| Net interest margin | 3.6244% | 2,999 |
| Noninterest income to average assets | 0.1879% | 5,371 |
| Noninterest expense to average assets | 2.0857% | 5,090 |
| Loan and lease loss provision to assets | 0.0081% | 3,916 |
| Net operating income to assets | 1.6085% | 709 |
| Return on assets (ROA) | 1.6085% | 759 |
| Pretax return on assets | 1.6099% | 1,347 |
| Return on Equity (ROE) | 17.2626% | 416 |
| Retained earnings to average equity (ytd only) | 3.0318% | 3,985 |
| Net charge-offs to loans | -0.0313% | 5,145 |
| Credit loss provision to net charge-offs | -33.3333% | 4,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3139% | 5,112 |
| Assets per employee ($millions) | 6.8223% | 938 |
| Cash dividends to net income (ytd only)* | 82.4370% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 2,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 75.9604% | 1,494 |
| Net loans and leases to deposits | 87.7040% | 2,034 |
| Net loans and leases to core deposits | 92.2821% | 2,324 |
| Total domestic deposits to total assets | 86.6100% | 2,107 |
| Equity capital to assets | 9.2138% | 5,057 |
| Core capital (leverage) ratio | 9.2361% | 4,536 |
| Tier 1 risk-based capital ratio | 12.0653% | 4,784 |
| Total risk-based capital ratio | 13.3165% | 4,704 |
| Memoranda: | ||
| Average total assets | $147,962,000 | 3,590 |
| Average earning assets | $143,527,670 | 3,486 |
| Average equity | $13,787,000 | 4,018 |
| Average total loans | $114,962,000 | 3,160 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 2,822 |
| Cost of funding earning assets | 0.4238% | 2,827 |
| Net interest margin | 3.6824% | 2,747 |
| Noninterest income to average assets | 0.1852% | 5,392 |
| Noninterest expense to average assets | 2.0096% | 5,313 |
| Loan and lease loss provision to assets | 0.0163% | 3,476 |
| Net operating income to assets | 1.7291% | 535 |
| Return on assets (ROA) | 1.7291% | 571 |
| Pretax return on assets | 1.7318% | 985 |
| Return on Equity (ROE) | 18.4513% | 323 |
| Retained earnings to average equity (ytd only) | 8.7462% | 1,187 |
| Net charge-offs to loans | 0.0558% | 1,958 |
| Credit loss provision to net charge-offs | 37.5000% | 2,163 |
| Earnings coverage of net charge-offs (x) | 40.1250% | 1,010 |
| Efficiency ratio | 53.4783% | 5,427 |
| Assets per employee ($millions) | 7.0545% | 872 |
| Cash dividends to net income (ytd only)* | 52.5984% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 2,505 |
| Loan loss allowance to noncurrent loans | 8,347.3684% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 5,613 |
| Noncurrent loans to loans | 0.0166% | 5,444 |
| Net loans and leases to total assets | 72.9362% | 1,892 |
| Net loans and leases to deposits | 83.8099% | 2,321 |
| Net loans and leases to core deposits | 88.0075% | 2,562 |
| Total domestic deposits to total assets | 87.0258% | 2,200 |
| Equity capital to assets | 8.9678% | 5,200 |
| Core capital (leverage) ratio | 9.9057% | 3,655 |
| Tier 1 risk-based capital ratio | 12.1922% | 4,780 |
| Total risk-based capital ratio | 13.4439% | 4,687 |
| Memoranda: | ||
| Average total assets | $146,898,000 | 3,625 |
| Average earning assets | $142,514,500 | 3,520 |
| Average equity | $13,766,000 | 4,036 |
| Average total loans | $114,628,500 | 3,171 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 2,636 |
| Cost of funding earning assets | 0.4206% | 2,936 |
| Net interest margin | 3.7561% | 2,531 |
| Noninterest income to average assets | 0.1877% | 5,474 |
| Noninterest expense to average assets | 2.1479% | 5,152 |
| Loan and lease loss provision to assets | 0.1261% | 1,912 |
| Net operating income to assets | 1.5415% | 794 |
| Return on assets (ROA) | 1.5415% | 823 |
| Pretax return on assets | 1.5415% | 1,432 |
| Return on Equity (ROE) | 16.1474% | 543 |
| Retained earnings to average equity (ytd only) | 7.3132% | 1,161 |
| Net charge-offs to loans | -0.0028% | 4,905 |
| Credit loss provision to net charge-offs | -5,733.3333% | 5,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2944% | 5,316 |
| Assets per employee ($millions) | 6.5998% | 1,048 |
| Cash dividends to net income (ytd only)* | 54.7098% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 2,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 81.4432% | 649 |
| Net loans and leases to deposits | 96.7987% | 925 |
| Net loans and leases to core deposits | 102.2455% | 1,346 |
| Total domestic deposits to total assets | 84.1366% | 3,433 |
| Equity capital to assets | 9.8228% | 4,167 |
| Core capital (leverage) ratio | 9.8770% | 3,677 |
| Tier 1 risk-based capital ratio | 12.0235% | 4,931 |
| Total risk-based capital ratio | 13.2754% | 4,834 |
| Memoranda: | ||
| Average total assets | $136,363,400 | 3,779 |
| Average earning assets | $131,706,400 | 3,666 |
| Average equity | $13,017,600 | 4,140 |
| Average total loans | $106,094,800 | 3,276 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 2,868 |
| Cost of funding earning assets | 0.4203% | 3,009 |
| Net interest margin | 3.6974% | 2,784 |
| Noninterest income to average assets | 0.1865% | 5,547 |
| Noninterest expense to average assets | 2.1108% | 5,252 |
| Loan and lease loss provision to assets | 0.1198% | 1,902 |
| Net operating income to assets | 1.5227% | 890 |
| Return on assets (ROA) | 1.5227% | 925 |
| Pretax return on assets | 1.5227% | 1,617 |
| Return on Equity (ROE) | 16.0699% | 583 |
| Retained earnings to average equity (ytd only) | 4.1547% | 3,507 |
| Net charge-offs to loans | -0.0026% | 4,732 |
| Credit loss provision to net charge-offs | -6,100.0000% | 5,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2386% | 5,322 |
| Assets per employee ($millions) | 7.2461% | 778 |
| Cash dividends to net income (ytd only)* | 74.1459% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 2,608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 79.1067% | 942 |
| Net loans and leases to deposits | 92.0860% | 1,397 |
| Net loans and leases to core deposits | 94.2455% | 2,053 |
| Total domestic deposits to total assets | 85.9053% | 2,579 |
| Equity capital to assets | 9.4919% | 4,761 |
| Core capital (leverage) ratio | 9.4781% | 4,327 |
| Tier 1 risk-based capital ratio | 11.9953% | 5,090 |
| Total risk-based capital ratio | 13.2473% | 5,003 |
| Memoranda: | ||
| Average total assets | $135,805,250 | 3,829 |
| Average earning assets | $131,009,000 | 3,709 |
| Average equity | $12,868,500 | 4,205 |
| Average total loans | $104,000,000 | 3,343 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 2,974 |
| Cost of funding earning assets | 0.4190% | 3,045 |
| Net interest margin | 3.6605% | 2,871 |
| Noninterest income to average assets | 0.1938% | 5,519 |
| Noninterest expense to average assets | 2.1438% | 5,243 |
| Loan and lease loss provision to assets | 0.0533% | 3,053 |
| Net operating income to assets | 1.5254% | 861 |
| Return on assets (ROA) | 1.5254% | 904 |
| Pretax return on assets | 1.5254% | 1,571 |
| Return on Equity (ROE) | 16.1069% | 601 |
| Retained earnings to average equity (ytd only) | 2.8433% | 4,231 |
| Net charge-offs to loans | -0.0039% | 4,686 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5914% | 5,269 |
| Assets per employee ($millions) | 7.0592% | 819 |
| Cash dividends to net income (ytd only)* | 82.3472% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 2,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 75.2984% | 1,466 |
| Net loans and leases to deposits | 87.8056% | 1,862 |
| Net loans and leases to core deposits | 89.9203% | 2,359 |
| Total domestic deposits to total assets | 85.7558% | 2,817 |
| Equity capital to assets | 9.5784% | 4,561 |
| Core capital (leverage) ratio | 9.5263% | 4,247 |
| Tier 1 risk-based capital ratio | 12.5973% | 4,744 |
| Total risk-based capital ratio | 13.8493% | 4,664 |
| Memoranda: | ||
| Average total assets | $135,181,670 | 3,877 |
| Average earning assets | $130,310,670 | 3,750 |
| Average equity | $12,802,000 | 4,240 |
| Average total loans | $101,848,000 | 3,404 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 3,020 |
| Cost of funding earning assets | 0.4200% | 3,078 |
| Net interest margin | 3.6361% | 2,872 |
| Noninterest income to average assets | 0.2004% | 5,517 |
| Noninterest expense to average assets | 2.0750% | 5,440 |
| Loan and lease loss provision to assets | 0.1061% | 1,935 |
| Net operating income to assets | 1.5150% | 821 |
| Return on assets (ROA) | 1.5150% | 870 |
| Pretax return on assets | 1.5150% | 1,512 |
| Return on Equity (ROE) | 16.0883% | 560 |
| Retained earnings to average equity (ytd only) | 7.6685% | 1,698 |
| Net charge-offs to loans | -0.0079% | 4,627 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1404% | 5,505 |
| Assets per employee ($millions) | 7.5997% | 646 |
| Cash dividends to net income (ytd only)* | 52.3346% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 2,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 73.9872% | 1,501 |
| Net loans and leases to deposits | 85.9920% | 1,835 |
| Net loans and leases to core deposits | 88.3683% | 2,287 |
| Total domestic deposits to total assets | 86.0396% | 2,916 |
| Equity capital to assets | 9.4288% | 4,830 |
| Core capital (leverage) ratio | 9.6440% | 4,093 |
| Tier 1 risk-based capital ratio | 12.5996% | 4,838 |
| Total risk-based capital ratio | 13.8520% | 4,756 |
| Memoranda: | ||
| Average total assets | $135,710,000 | 3,884 |
| Average earning assets | $130,469,000 | 3,766 |
| Average equity | $12,779,500 | 4,275 |
| Average total loans | $101,545,500 | 3,423 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 2,061 |
| Cost of funding earning assets | 0.4070% | 3,616 |
| Net interest margin | 4.0448% | 1,753 |
| Noninterest income to average assets | 0.2226% | 5,534 |
| Noninterest expense to average assets | 2.3278% | 5,036 |
| Loan and lease loss provision to assets | 0.0973% | 2,523 |
| Net operating income to assets | 1.6560% | 628 |
| Return on assets (ROA) | 1.6560% | 656 |
| Pretax return on assets | 1.6560% | 1,084 |
| Return on Equity (ROE) | 16.7724% | 518 |
| Retained earnings to average equity (ytd only) | 7.6056% | 1,158 |
| Net charge-offs to loans | 0.1102% | 2,938 |
| Credit loss provision to net charge-offs | 109.2593% | 2,181 |
| Earnings coverage of net charge-offs (x) | 19.6944% | 1,767 |
| Efficiency ratio | 57.0390% | 5,559 |
| Assets per employee ($millions) | 7.4792% | 665 |
| Cash dividends to net income (ytd only)* | 54.6541% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 2,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 73.5371% | 1,660 |
| Net loans and leases to deposits | 85.6298% | 2,026 |
| Net loans and leases to core deposits | 87.3725% | 2,570 |
| Total domestic deposits to total assets | 85.8779% | 2,905 |
| Equity capital to assets | 9.4046% | 4,836 |
| Core capital (leverage) ratio | 9.9015% | 3,709 |
| Tier 1 risk-based capital ratio | 12.9626% | 4,747 |
| Total risk-based capital ratio | 14.2152% | 4,660 |
| Memoranda: | ||
| Average total assets | $121,317,200 | 4,152 |
| Average earning assets | $115,729,000 | 4,056 |
| Average equity | $11,978,000 | 4,363 |
| Average total loans | $98,032,200 | 3,465 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 1,763 |
| Cost of funding earning assets | 0.4079% | 3,702 |
| Net interest margin | 4.1232% | 1,507 |
| Noninterest income to average assets | 0.2226% | 5,595 |
| Noninterest expense to average assets | 2.3945% | 4,847 |
| Loan and lease loss provision to assets | 0.0949% | 2,466 |
| Net operating income to assets | 1.6622% | 662 |
| Return on assets (ROA) | 1.6622% | 690 |
| Pretax return on assets | 1.6622% | 1,156 |
| Return on Equity (ROE) | 16.6108% | 606 |
| Retained earnings to average equity (ytd only) | 4.2120% | 3,653 |
| Net charge-offs to loans | 0.1478% | 2,311 |
| Credit loss provision to net charge-offs | 77.7778% | 2,639 |
| Earnings coverage of net charge-offs (x) | 14.3978% | 2,147 |
| Efficiency ratio | 57.6756% | 5,487 |
| Assets per employee ($millions) | 7.2398% | 719 |
| Cash dividends to net income (ytd only)* | 74.6431% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 3,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 4,236 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 78.6678% | 873 |
| Net loans and leases to deposits | 92.5278% | 1,181 |
| Net loans and leases to core deposits | 94.6174% | 1,795 |
| Total domestic deposits to total assets | 85.0208% | 3,330 |
| Equity capital to assets | 9.8516% | 4,353 |
| Core capital (leverage) ratio | 9.9198% | 3,779 |
| Tier 1 risk-based capital ratio | 12.5872% | 5,121 |
| Total risk-based capital ratio | 13.8368% | 5,042 |
| Memoranda: | ||
| Average total assets | $117,990,000 | 4,261 |
| Average earning assets | $112,434,250 | 4,158 |
| Average equity | $11,807,250 | 4,422 |
| Average total loans | $97,434,750 | 3,501 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5582% | 1,647 |
| Cost of funding earning assets | 0.4050% | 3,820 |
| Net interest margin | 4.1532% | 1,372 |
| Noninterest income to average assets | 0.2304% | 5,549 |
| Noninterest expense to average assets | 2.4610% | 4,698 |
| Loan and lease loss provision to assets | 0.0705% | 2,864 |
| Net operating income to assets | 1.6493% | 640 |
| Return on assets (ROA) | 1.6493% | 671 |
| Pretax return on assets | 1.6493% | 1,140 |
| Return on Equity (ROE) | 16.3913% | 614 |
| Retained earnings to average equity (ytd only) | 2.9911% | 4,297 |
| Net charge-offs to loans | 0.2223% | 1,703 |
| Credit loss provision to net charge-offs | 37.9630% | 2,951 |
| Earnings coverage of net charge-offs (x) | 9.2593% | 2,382 |
| Efficiency ratio | 58.8647% | 5,453 |
| Assets per employee ($millions) | 5.8429% | 1,395 |
| Cash dividends to net income (ytd only)* | 81.7518% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 3,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 4,269 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 81.9668% | 468 |
| Net loans and leases to deposits | 97.0505% | 735 |
| Net loans and leases to core deposits | 98.3560% | 1,417 |
| Total domestic deposits to total assets | 84.4579% | 3,745 |
| Equity capital to assets | 10.2073% | 3,813 |
| Core capital (leverage) ratio | 10.2537% | 3,263 |
| Tier 1 risk-based capital ratio | 12.3325% | 5,344 |
| Total risk-based capital ratio | 13.5822% | 5,261 |
| Memoranda: | ||
| Average total assets | $116,294,330 | 4,323 |
| Average earning assets | $110,613,000 | 4,229 |
| Average equity | $11,701,330 | 4,451 |
| Average total loans | $97,176,330 | 3,511 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 1,675 |
| Cost of funding earning assets | 0.3920% | 4,064 |
| Net interest margin | 4.1488% | 1,348 |
| Noninterest income to average assets | 0.2276% | 5,533 |
| Noninterest expense to average assets | 2.3825% | 4,980 |
| Loan and lease loss provision to assets | 0.0862% | 2,471 |
| Net operating income to assets | 1.6998% | 577 |
| Return on assets (ROA) | 1.6998% | 592 |
| Pretax return on assets | 1.6998% | 977 |
| Return on Equity (ROE) | 17.0176% | 534 |
| Retained earnings to average equity (ytd only) | 6.1098% | 2,479 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1547% | 5,736 |
| Assets per employee ($millions) | 6.4854% | 1,026 |
| Cash dividends to net income (ytd only)* | 64.0974% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 3,167 |
| Loan loss allowance to noncurrent loans | 395.5923% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 3,523 |
| Noncurrent loans to loans | 0.3775% | 4,994 |
| Net loans and leases to total assets | 81.1516% | 442 |
| Net loans and leases to deposits | 96.0440% | 657 |
| Net loans and leases to core deposits | 97.7395% | 1,254 |
| Total domestic deposits to total assets | 84.4942% | 4,088 |
| Equity capital to assets | 10.2170% | 3,575 |
| Core capital (leverage) ratio | 10.5510% | 2,870 |
| Tier 1 risk-based capital ratio | 12.4056% | 5,361 |
| Total risk-based capital ratio | 13.6554% | 5,304 |
| Memoranda: | ||
| Average total assets | $116,013,000 | 4,366 |
| Average earning assets | $110,200,000 | 4,267 |
| Average equity | $11,588,000 | 4,494 |
| Average total loans | $97,200,500 | 3,532 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 1,980 |
| Cost of funding earning assets | 0.4267% | 4,356 |
| Net interest margin | 4.1382% | 1,546 |
| Noninterest income to average assets | 0.2040% | 5,862 |
| Noninterest expense to average assets | 2.3832% | 5,119 |
| Loan and lease loss provision to assets | 0.2121% | 1,736 |
| Net operating income to assets | 1.5382% | 767 |
| Return on assets (ROA) | 1.5382% | 802 |
| Pretax return on assets | 1.5391% | 1,328 |
| Return on Equity (ROE) | 15.7991% | 645 |
| Retained earnings to average equity (ytd only) | 7.2227% | 1,350 |
| Net charge-offs to loans | -0.0011% | 5,828 |
| Credit loss provision to net charge-offs | -23,500.0000% | 6,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6419% | 5,777 |
| Assets per employee ($millions) | 6.0678% | 1,231 |
| Cash dividends to net income (ytd only)* | 54.2840% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 3,482 |
| Loan loss allowance to noncurrent loans | 363.9175% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 3,602 |
| Noncurrent loans to loans | 0.3950% | 5,022 |
| Net loans and leases to total assets | 83.9794% | 257 |
| Net loans and leases to deposits | 99.0881% | 529 |
| Net loans and leases to core deposits | 101.2730% | 1,072 |
| Total domestic deposits to total assets | 84.7522% | 3,871 |
| Equity capital to assets | 9.7572% | 4,092 |
| Core capital (leverage) ratio | 9.9269% | 3,671 |
| Tier 1 risk-based capital ratio | 11.5805% | 5,863 |
| Total risk-based capital ratio | 12.8305% | 5,804 |
| Memoranda: | ||
| Average total assets | $110,776,200 | 4,479 |
| Average earning assets | $105,215,200 | 4,383 |
| Average equity | $10,785,400 | 4,680 |
| Average total loans | $88,686,600 | 3,719 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5393% | 2,081 |
| Cost of funding earning assets | 0.4333% | 4,471 |
| Net interest margin | 4.1059% | 1,617 |
| Noninterest income to average assets | 0.1921% | 6,026 |
| Noninterest expense to average assets | 2.3699% | 5,118 |
| Loan and lease loss provision to assets | 0.1411% | 2,527 |
| Net operating income to assets | 1.5856% | 767 |
| Return on assets (ROA) | 1.5856% | 814 |
| Pretax return on assets | 1.5869% | 1,368 |
| Return on Equity (ROE) | 16.2952% | 610 |
| Retained earnings to average equity (ytd only) | 4.7361% | 3,282 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8338% | 5,714 |
| Assets per employee ($millions) | 6.3740% | 987 |
| Cash dividends to net income (ytd only)* | 70.9356% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 3,659 |
| Loan loss allowance to noncurrent loans | 332.7320% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 3,829 |
| Noncurrent loans to loans | 0.4376% | 5,105 |
| Net loans and leases to total assets | 76.1496% | 987 |
| Net loans and leases to deposits | 89.5201% | 1,217 |
| Net loans and leases to core deposits | 91.7336% | 1,787 |
| Total domestic deposits to total assets | 85.0643% | 3,719 |
| Equity capital to assets | 9.4525% | 4,609 |
| Core capital (leverage) ratio | 9.5618% | 4,310 |
| Tier 1 risk-based capital ratio | 12.2502% | 5,606 |
| Total risk-based capital ratio | 13.5006% | 5,542 |
| Memoranda: | ||
| Average total assets | $109,648,000 | 4,541 |
| Average earning assets | $104,301,750 | 4,444 |
| Average equity | $10,669,500 | 4,762 |
| Average total loans | $86,300,500 | 3,804 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 1,811 |
| Cost of funding earning assets | 0.4372% | 4,581 |
| Net interest margin | 4.1750% | 1,347 |
| Noninterest income to average assets | 0.1853% | 6,100 |
| Noninterest expense to average assets | 2.3825% | 5,102 |
| Loan and lease loss provision to assets | 0.1352% | 2,634 |
| Net operating income to assets | 1.6285% | 708 |
| Return on assets (ROA) | 1.6285% | 774 |
| Pretax return on assets | 1.6303% | 1,274 |
| Return on Equity (ROE) | 16.5677% | 593 |
| Retained earnings to average equity (ytd only) | 3.4304% | 4,139 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4364% | 5,808 |
| Assets per employee ($millions) | 5.5188% | 1,568 |
| Cash dividends to net income (ytd only)* | 79.2947% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 3,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6070% | 4,727 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 77.7796% | 778 |
| Net loans and leases to deposits | 91.8005% | 986 |
| Net loans and leases to core deposits | 93.9144% | 1,525 |
| Total domestic deposits to total assets | 84.7268% | 4,025 |
| Equity capital to assets | 9.6407% | 4,399 |
| Core capital (leverage) ratio | 9.7894% | 3,808 |
| Tier 1 risk-based capital ratio | 12.3325% | 5,607 |
| Total risk-based capital ratio | 13.5822% | 5,554 |
| Memoranda: | ||
| Average total assets | $107,953,330 | 4,609 |
| Average earning assets | $102,468,000 | 4,508 |
| Average equity | $10,611,000 | 4,805 |
| Average total loans | $85,514,330 | 3,837 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 1,776 |
| Cost of funding earning assets | 0.4460% | 4,636 |
| Net interest margin | 4.1722% | 1,274 |
| Noninterest income to average assets | 0.1686% | 6,248 |
| Noninterest expense to average assets | 2.3608% | 5,236 |
| Loan and lease loss provision to assets | 0.0412% | 3,911 |
| Net operating income to assets | 1.7238% | 553 |
| Return on assets (ROA) | 1.7238% | 611 |
| Pretax return on assets | 1.7275% | 1,008 |
| Return on Equity (ROE) | 17.3650% | 483 |
| Retained earnings to average equity (ytd only) | 9.0223% | 1,378 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1688% | 5,939 |
| Assets per employee ($millions) | 5.9921% | 1,259 |
| Cash dividends to net income (ytd only)* | 48.0435% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 4,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 4,831 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 77.4451% | 671 |
| Net loans and leases to deposits | 91.8346% | 817 |
| Net loans and leases to core deposits | 94.6526% | 1,296 |
| Total domestic deposits to total assets | 84.3311% | 4,343 |
| Equity capital to assets | 9.9345% | 4,233 |
| Core capital (leverage) ratio | 10.2101% | 3,134 |
| Tier 1 risk-based capital ratio | 12.8502% | 5,338 |
| Total risk-based capital ratio | 14.0998% | 5,284 |
| Memoranda: | ||
| Average total assets | $106,742,000 | 4,695 |
| Average earning assets | $101,337,000 | 4,581 |
| Average equity | $10,596,000 | 4,861 |
| Average total loans | $84,722,000 | 3,878 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 1,971 |
| Cost of funding earning assets | 0.5223% | 5,051 |
| Net interest margin | 4.3411% | 1,304 |
| Noninterest income to average assets | 0.2017% | 5,971 |
| Noninterest expense to average assets | 2.4980% | 5,102 |
| Loan and lease loss provision to assets | 0.2096% | 3,048 |
| Net operating income to assets | 1.6341% | 711 |
| Return on assets (ROA) | 1.6341% | 787 |
| Pretax return on assets | 1.6350% | 1,294 |
| Return on Equity (ROE) | 16.6532% | 577 |
| Retained earnings to average equity (ytd only) | 9.7119% | 653 |
| Net charge-offs to loans | 0.1319% | 4,355 |
| Credit loss provision to net charge-offs | 201.9048% | 1,280 |
| Earnings coverage of net charge-offs (x) | 17.7714% | 1,484 |
| Efficiency ratio | 57.5233% | 5,895 |
| Assets per employee ($millions) | 5.8682% | 1,383 |
| Cash dividends to net income (ytd only)* | 41.6818% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 4,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 4,882 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 79.1010% | 553 |
| Net loans and leases to deposits | 95.6684% | 641 |
| Net loans and leases to core deposits | 98.4389% | 1,115 |
| Total domestic deposits to total assets | 82.6825% | 4,856 |
| Equity capital to assets | 9.9189% | 4,283 |
| Core capital (leverage) ratio | 10.1590% | 3,185 |
| Tier 1 risk-based capital ratio | 12.4452% | 5,511 |
| Total risk-based capital ratio | 13.6948% | 5,466 |
| Memoranda: | ||
| Average total assets | $101,159,600 | 4,805 |
| Average earning assets | $96,497,200 | 4,678 |
| Average equity | $9,926,000 | 4,993 |
| Average total loans | $79,635,800 | 4,054 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 2,110 |
| Cost of funding earning assets | 0.5377% | 5,185 |
| Net interest margin | 4.3364% | 1,385 |
| Noninterest income to average assets | 0.2066% | 6,051 |
| Noninterest expense to average assets | 2.5095% | 5,052 |
| Loan and lease loss provision to assets | 0.2146% | 2,922 |
| Net operating income to assets | 1.6299% | 794 |
| Return on assets (ROA) | 1.6299% | 877 |
| Pretax return on assets | 1.6313% | 1,473 |
| Return on Equity (ROE) | 16.6591% | 649 |
| Retained earnings to average equity (ytd only) | 7.2738% | 1,959 |
| Net charge-offs to loans | 0.1701% | 3,743 |
| Credit loss provision to net charge-offs | 161.0000% | 1,729 |
| Earnings coverage of net charge-offs (x) | 13.8500% | 1,881 |
| Efficiency ratio | 57.6193% | 5,842 |
| Assets per employee ($millions) | 5.8333% | 1,349 |
| Cash dividends to net income (ytd only)* | 56.3365% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 4,436 |
| Loan loss allowance to noncurrent loans | 167.0118% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 5,060 |
| Noncurrent loans to loans | 0.8300% | 4,760 |
| Net loans and leases to total assets | 76.4886% | 896 |
| Net loans and leases to deposits | 90.5435% | 1,091 |
| Net loans and leases to core deposits | 95.0528% | 1,486 |
| Total domestic deposits to total assets | 84.4771% | 3,989 |
| Equity capital to assets | 9.5686% | 5,112 |
| Core capital (leverage) ratio | 9.7852% | 3,829 |
| Tier 1 risk-based capital ratio | 12.3382% | 5,743 |
| Total risk-based capital ratio | 13.5885% | 5,716 |
| Memoranda: | ||
| Average total assets | $100,042,750 | 4,878 |
| Average earning assets | $95,713,750 | 4,745 |
| Average equity | $9,788,250 | 5,079 |
| Average total loans | $78,362,750 | 4,129 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 2,259 |
| Cost of funding earning assets | 0.5474% | 5,325 |
| Net interest margin | 4.3155% | 1,444 |
| Noninterest income to average assets | 0.2155% | 6,022 |
| Noninterest expense to average assets | 2.5307% | 5,038 |
| Loan and lease loss provision to assets | 0.2419% | 2,644 |
| Net operating income to assets | 1.5754% | 876 |
| Return on assets (ROA) | 1.5754% | 982 |
| Pretax return on assets | 1.5774% | 1,617 |
| Return on Equity (ROE) | 15.9761% | 773 |
| Retained earnings to average equity (ytd only) | 6.1018% | 2,653 |
| Net charge-offs to loans | 0.2586% | 3,027 |
| Credit loss provision to net charge-offs | 119.0000% | 2,314 |
| Earnings coverage of net charge-offs (x) | 8.9500% | 2,226 |
| Efficiency ratio | 58.1776% | 5,845 |
| Assets per employee ($millions) | 5.0593% | 2,090 |
| Cash dividends to net income (ytd only)* | 61.8065% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 4,623 |
| Loan loss allowance to noncurrent loans | 161.9970% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 5,123 |
| Noncurrent loans to loans | 0.8389% | 4,837 |
| Net loans and leases to total assets | 77.9722% | 727 |
| Net loans and leases to deposits | 92.6315% | 874 |
| Net loans and leases to core deposits | 98.3913% | 1,232 |
| Total domestic deposits to total assets | 84.1747% | 4,243 |
| Equity capital to assets | 9.6930% | 4,767 |
| Core capital (leverage) ratio | 9.9400% | 3,498 |
| Tier 1 risk-based capital ratio | 12.2083% | 5,789 |
| Total risk-based capital ratio | 13.4579% | 5,773 |
| Memoranda: | ||
| Average total assets | $98,390,330 | 4,944 |
| Average earning assets | $94,264,330 | 4,811 |
| Average equity | $9,702,000 | 5,108 |
| Average total loans | $77,336,330 | 4,173 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8780% | 2,329 |
| Cost of funding earning assets | 0.5731% | 5,334 |
| Net interest margin | 4.3049% | 1,455 |
| Noninterest income to average assets | 0.2433% | 5,895 |
| Noninterest expense to average assets | 2.4992% | 5,154 |
| Loan and lease loss provision to assets | 0.1691% | 3,278 |
| Net operating income to assets | 1.6909% | 735 |
| Return on assets (ROA) | 1.6909% | 817 |
| Pretax return on assets | 1.6950% | 1,315 |
| Return on Equity (ROE) | 16.9966% | 673 |
| Retained earnings to average equity (ytd only) | 11.1514% | 993 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2779% | 6,009 |
| Assets per employee ($millions) | 5.4959% | 1,696 |
| Cash dividends to net income (ytd only)* | 34.3902% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 4,399 |
| Loan loss allowance to noncurrent loans | 143.8392% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 4,988 |
| Noncurrent loans to loans | 1.0047% | 4,667 |
| Net loans and leases to total assets | 76.4481% | 754 |
| Net loans and leases to deposits | 91.6891% | 818 |
| Net loans and leases to core deposits | 97.9256% | 1,130 |
| Total domestic deposits to total assets | 83.3775% | 4,773 |
| Equity capital to assets | 9.8882% | 4,270 |
| Core capital (leverage) ratio | 10.1940% | 3,114 |
| Tier 1 risk-based capital ratio | 12.5797% | 5,538 |
| Total risk-based capital ratio | 13.8297% | 5,505 |
| Memoranda: | ||
| Average total assets | $96,992,500 | 5,017 |
| Average earning assets | $92,824,000 | 4,883 |
| Average equity | $9,649,000 | 5,133 |
| Average total loans | $76,012,500 | 4,239 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 2,520 |
| Cost of funding earning assets | 0.6775% | 5,672 |
| Net interest margin | 4.4043% | 1,390 |
| Noninterest income to average assets | 0.3169% | 5,272 |
| Noninterest expense to average assets | 2.5301% | 5,350 |
| Loan and lease loss provision to assets | 0.1632% | 4,588 |
| Net operating income to assets | 1.8026% | 456 |
| Return on assets (ROA) | 1.8026% | 493 |
| Pretax return on assets | 1.8331% | 753 |
| Return on Equity (ROE) | 19.0146% | 313 |
| Retained earnings to average equity (ytd only) | 10.1515% | 529 |
| Net charge-offs to loans | 0.2658% | 4,110 |
| Credit loss provision to net charge-offs | 77.1144% | 4,592 |
| Earnings coverage of net charge-offs (x) | 9.4328% | 1,985 |
| Efficiency ratio | 55.8967% | 6,322 |
| Assets per employee ($millions) | 5.2811% | 1,853 |
| Cash dividends to net income (ytd only)* | 46.6121% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 4,377 |
| Loan loss allowance to noncurrent loans | 138.5214% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8111% | 5,007 |
| Noncurrent loans to loans | 1.0241% | 4,662 |
| Net loans and leases to total assets | 78.0789% | 699 |
| Net loans and leases to deposits | 96.4122% | 654 |
| Net loans and leases to core deposits | 104.1991% | 893 |
| Total domestic deposits to total assets | 80.9844% | 5,453 |
| Equity capital to assets | 10.0106% | 4,156 |
| Core capital (leverage) ratio | 10.0280% | 3,303 |
| Tier 1 risk-based capital ratio | 12.3677% | 5,563 |
| Total risk-based capital ratio | 13.6171% | 5,535 |
| Memoranda: | ||
| Average total assets | $94,976,200 | 5,047 |
| Average earning assets | $90,775,600 | 4,903 |
| Average equity | $9,003,600 | 5,273 |
| Average total loans | $75,631,200 | 4,291 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0934% | 2,635 |
| Cost of funding earning assets | 0.6995% | 5,768 |
| Net interest margin | 4.3939% | 1,425 |
| Noninterest income to average assets | 0.3159% | 5,335 |
| Noninterest expense to average assets | 2.5162% | 5,412 |
| Loan and lease loss provision to assets | 0.0871% | 5,356 |
| Net operating income to assets | 1.9096% | 418 |
| Return on assets (ROA) | 1.9096% | 451 |
| Pretax return on assets | 1.9110% | 760 |
| Return on Equity (ROE) | 20.4303% | 284 |
| Retained earnings to average equity (ytd only) | 8.4425% | 1,340 |
| Net charge-offs to loans | 0.0018% | 6,176 |
| Credit loss provision to net charge-offs | 6,200.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 1,426.5338% | 9 |
| Efficiency ratio | 55.7387% | 6,315 |
| Assets per employee ($millions) | 5.5631% | 1,533 |
| Cash dividends to net income (ytd only)* | 58.6762% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 3,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 78.9494% | 611 |
| Net loans and leases to deposits | 96.7777% | 654 |
| Net loans and leases to core deposits | 103.1029% | 1,031 |
| Total domestic deposits to total assets | 81.5781% | 5,226 |
| Equity capital to assets | 9.6942% | 4,787 |
| Core capital (leverage) ratio | 9.3590% | 4,365 |
| Tier 1 risk-based capital ratio | 11.8045% | 6,032 |
| Total risk-based capital ratio | 13.0544% | 6,022 |
| Memoranda: | ||
| Average total assets | $94,955,500 | 5,077 |
| Average earning assets | $90,730,250 | 4,933 |
| Average equity | $8,875,500 | 5,345 |
| Average total loans | $75,716,750 | 4,323 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0898% | 2,727 |
| Cost of funding earning assets | 0.7142% | 5,876 |
| Net interest margin | 4.3756% | 1,448 |
| Noninterest income to average assets | 0.2692% | 5,716 |
| Noninterest expense to average assets | 2.5031% | 5,522 |
| Loan and lease loss provision to assets | 0.0989% | 5,083 |
| Net operating income to assets | 1.8405% | 456 |
| Return on assets (ROA) | 1.8405% | 486 |
| Pretax return on assets | 1.8426% | 807 |
| Return on Equity (ROE) | 19.9362% | 315 |
| Retained earnings to average equity (ytd only) | 6.3796% | 2,200 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3180% | 6,387 |
| Assets per employee ($millions) | 5.1218% | 1,971 |
| Cash dividends to net income (ytd only)* | 68.0000% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 3,991 |
| Loan loss allowance to noncurrent loans | 16,585.7143% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 6,748 |
| Noncurrent loans to loans | 0.0092% | 6,987 |
| Net loans and leases to total assets | 81.1493% | 439 |
| Net loans and leases to deposits | 100.3003% | 483 |
| Net loans and leases to core deposits | 110.8257% | 696 |
| Total domestic deposits to total assets | 80.9064% | 5,556 |
| Equity capital to assets | 9.6428% | 4,610 |
| Core capital (leverage) ratio | 9.6146% | 3,787 |
| Tier 1 risk-based capital ratio | 11.4098% | 6,241 |
| Total risk-based capital ratio | 12.6601% | 6,228 |
| Memoranda: | ||
| Average total assets | $95,083,330 | 5,105 |
| Average earning assets | $90,730,670 | 4,974 |
| Average equity | $8,778,000 | 5,389 |
| Average total loans | $75,676,000 | 4,357 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 3,554 |
| Cost of funding earning assets | 0.7295% | 5,981 |
| Net interest margin | 4.1770% | 1,973 |
| Noninterest income to average assets | 0.3066% | 5,476 |
| Noninterest expense to average assets | 2.4656% | 5,688 |
| Loan and lease loss provision to assets | 0.0414% | 5,470 |
| Net operating income to assets | 1.7819% | 504 |
| Return on assets (ROA) | 1.7819% | 535 |
| Pretax return on assets | 1.7860% | 842 |
| Return on Equity (ROE) | 19.7202% | 345 |
| Retained earnings to average equity (ytd only) | 10.5939% | 974 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4324% | 6,335 |
| Assets per employee ($millions) | 5.8387% | 1,312 |
| Cash dividends to net income (ytd only)* | 46.2791% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 4,237 |
| Loan loss allowance to noncurrent loans | 16,057.1429% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 6,850 |
| Noncurrent loans to loans | 0.0093% | 7,058 |
| Net loans and leases to total assets | 74.5955% | 1,253 |
| Net loans and leases to deposits | 89.5005% | 1,294 |
| Net loans and leases to core deposits | 99.1895% | 1,409 |
| Total domestic deposits to total assets | 83.3464% | 4,773 |
| Equity capital to assets | 8.9031% | 5,339 |
| Core capital (leverage) ratio | 9.4364% | 3,904 |
| Tier 1 risk-based capital ratio | 11.4740% | 6,123 |
| Total risk-based capital ratio | 12.7242% | 6,106 |
| Memoranda: | ||
| Average total assets | $96,528,500 | 5,091 |
| Average earning assets | $92,123,500 | 4,968 |
| Average equity | $8,722,000 | 5,401 |
| Average total loans | $75,526,500 | 4,400 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4867% | 2,343 |
| Cost of funding earning assets | 0.9753% | 5,813 |
| Net interest margin | 4.5114% | 1,205 |
| Noninterest income to average assets | 0.2370% | 6,103 |
| Noninterest expense to average assets | 2.5914% | 5,456 |
| Loan and lease loss provision to assets | 0.3875% | 3,788 |
| Net operating income to assets | 1.5434% | 701 |
| Return on assets (ROA) | 1.5434% | 761 |
| Pretax return on assets | 1.5445% | 1,265 |
| Return on Equity (ROE) | 16.9279% | 485 |
| Retained earnings to average equity (ytd only) | 8.7842% | 755 |
| Net charge-offs to loans | 0.1705% | 5,306 |
| Credit loss provision to net charge-offs | 271.6535% | 1,011 |
| Earnings coverage of net charge-offs (x) | 13.5433% | 1,405 |
| Efficiency ratio | 57.2883% | 6,421 |
| Assets per employee ($millions) | 5.5176% | 1,563 |
| Cash dividends to net income (ytd only)* | 48.1077% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 4,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 6,926 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 79.7162% | 696 |
| Net loans and leases to deposits | 96.6234% | 808 |
| Net loans and leases to core deposits | 110.6732% | 885 |
| Total domestic deposits to total assets | 82.5019% | 5,022 |
| Equity capital to assets | 9.1760% | 4,876 |
| Core capital (leverage) ratio | 9.2966% | 4,012 |
| Tier 1 risk-based capital ratio | 11.1097% | 6,241 |
| Total risk-based capital ratio | 12.3616% | 6,212 |
| Memoranda: | ||
| Average total assets | $89,024,200 | 5,319 |
| Average earning assets | $84,586,000 | 5,197 |
| Average equity | $8,116,800 | 5,679 |
| Average total loans | $74,479,600 | 4,509 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4704% | 2,557 |
| Cost of funding earning assets | 1.0295% | 5,802 |
| Net interest margin | 4.4409% | 1,395 |
| Noninterest income to average assets | 0.2277% | 6,271 |
| Noninterest expense to average assets | 2.5442% | 5,548 |
| Loan and lease loss provision to assets | 0.4053% | 3,475 |
| Net operating income to assets | 1.4938% | 934 |
| Return on assets (ROA) | 1.4938% | 1,014 |
| Pretax return on assets | 1.4953% | 1,634 |
| Return on Equity (ROE) | 16.4114% | 661 |
| Retained earnings to average equity (ytd only) | 5.3871% | 2,712 |
| Net charge-offs to loans | 0.1547% | 5,074 |
| Credit loss provision to net charge-offs | 310.4651% | 1,019 |
| Earnings coverage of net charge-offs (x) | 14.5586% | 1,505 |
| Efficiency ratio | 57.2404% | 6,385 |
| Assets per employee ($millions) | 5.7111% | 1,455 |
| Cash dividends to net income (ytd only)* | 67.1746% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 4,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 6,923 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 82.8821% | 419 |
| Net loans and leases to deposits | 102.5025% | 507 |
| Net loans and leases to core deposits | 123.8548% | 501 |
| Total domestic deposits to total assets | 80.8586% | 5,426 |
| Equity capital to assets | 8.9989% | 5,585 |
| Core capital (leverage) ratio | 9.0045% | 4,685 |
| Tier 1 risk-based capital ratio | 10.3604% | 6,855 |
| Total risk-based capital ratio | 11.6112% | 6,851 |
| Memoranda: | ||
| Average total assets | $87,830,500 | 5,420 |
| Average earning assets | $83,404,750 | 5,290 |
| Average equity | $7,994,250 | 5,793 |
| Average total loans | $74,127,750 | 4,599 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3520% | 3,205 |
| Cost of funding earning assets | 1.0719% | 5,817 |
| Net interest margin | 4.2801% | 1,850 |
| Noninterest income to average assets | 0.2285% | 6,276 |
| Noninterest expense to average assets | 2.5390% | 5,575 |
| Loan and lease loss provision to assets | 0.3162% | 3,847 |
| Net operating income to assets | 1.4357% | 1,019 |
| Return on assets (ROA) | 1.4357% | 1,091 |
| Pretax return on assets | 1.4380% | 1,732 |
| Return on Equity (ROE) | 15.7110% | 734 |
| Retained earnings to average equity (ytd only) | 3.6373% | 3,787 |
| Net charge-offs to loans | 0.2349% | 4,199 |
| Credit loss provision to net charge-offs | 159.3023% | 2,470 |
| Earnings coverage of net charge-offs (x) | 8.8372% | 2,089 |
| Efficiency ratio | 59.1398% | 6,188 |
| Assets per employee ($millions) | 5.0077% | 2,180 |
| Cash dividends to net income (ytd only)* | 76.8489% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 5,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 5,727 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 83.0961% | 426 |
| Net loans and leases to deposits | 103.4872% | 514 |
| Net loans and leases to core deposits | 128.6136% | 443 |
| Total domestic deposits to total assets | 80.2960% | 5,637 |
| Equity capital to assets | 8.9207% | 5,571 |
| Core capital (leverage) ratio | 9.2032% | 4,295 |
| Tier 1 risk-based capital ratio | 10.1680% | 6,930 |
| Total risk-based capital ratio | 11.3672% | 6,929 |
| Memoranda: | ||
| Average total assets | $86,648,000 | 5,489 |
| Average earning assets | $82,287,330 | 5,363 |
| Average equity | $7,918,000 | 5,833 |
| Average total loans | $73,232,670 | 4,668 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3617% | 3,235 |
| Cost of funding earning assets | 1.1309% | 5,754 |
| Net interest margin | 4.2308% | 1,924 |
| Noninterest income to average assets | 0.2403% | 6,229 |
| Noninterest expense to average assets | 2.5347% | 5,598 |
| Loan and lease loss provision to assets | 0.3109% | 3,554 |
| Net operating income to assets | 1.4087% | 1,055 |
| Return on assets (ROA) | 1.4087% | 1,125 |
| Pretax return on assets | 1.4134% | 1,735 |
| Return on Equity (ROE) | 15.2231% | 836 |
| Retained earnings to average equity (ytd only) | 6.7205% | 2,259 |
| Net charge-offs to loans | 0.1780% | 3,854 |
| Credit loss provision to net charge-offs | 206.2500% | 1,810 |
| Earnings coverage of net charge-offs (x) | 11.4375% | 1,641 |
| Efficiency ratio | 59.5133% | 6,259 |
| Assets per employee ($millions) | 5.3344% | 1,830 |
| Cash dividends to net income (ytd only)* | 55.8528% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 4,999 |
| Loan loss allowance to noncurrent loans | 438.6792% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 6,844 |
| Noncurrent loans to loans | 0.2937% | 6,736 |
| Net loans and leases to total assets | 83.4821% | 428 |
| Net loans and leases to deposits | 104.4169% | 504 |
| Net loans and leases to core deposits | 125.2915% | 605 |
| Total domestic deposits to total assets | 79.9508% | 5,796 |
| Equity capital to assets | 9.2771% | 4,867 |
| Core capital (leverage) ratio | 9.3642% | 3,957 |
| Tier 1 risk-based capital ratio | 10.3926% | 6,725 |
| Total risk-based capital ratio | 11.6132% | 6,749 |
| Memoranda: | ||
| Average total assets | $84,902,500 | 5,600 |
| Average earning assets | $80,646,000 | 5,484 |
| Average equity | $7,856,500 | 5,893 |
| Average total loans | $71,924,500 | 4,791 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4325% | 4,522 |
| Cost of funding earning assets | 1.6010% | 5,020 |
| Net interest margin | 3.8316% | 3,570 |
| Noninterest income to average assets | 0.2304% | 6,463 |
| Noninterest expense to average assets | 2.7235% | 5,284 |
| Loan and lease loss provision to assets | 0.3353% | 4,793 |
| Net operating income to assets | 0.8192% | 2,456 |
| Return on assets (ROA) | 0.8192% | 2,547 |
| Pretax return on assets | 0.8217% | 3,179 |
| Return on Equity (ROE) | 8.9660% | 2,039 |
| Retained earnings to average equity (ytd only) | 5.9106% | 1,383 |
| Net charge-offs to loans | 0.0546% | 6,552 |
| Credit loss provision to net charge-offs | 723.6842% | 401 |
| Earnings coverage of net charge-offs (x) | 24.9737% | 891 |
| Efficiency ratio | 70.1854% | 4,587 |
| Assets per employee ($millions) | 5.2784% | 1,855 |
| Cash dividends to net income (ytd only)* | 34.0774% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 5,050 |
| Loan loss allowance to noncurrent loans | 422.6415% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 6,827 |
| Noncurrent loans to loans | 0.2958% | 6,687 |
| Net loans and leases to total assets | 83.7973% | 457 |
| Net loans and leases to deposits | 108.2804% | 446 |
| Net loans and leases to core deposits | 117.1783% | 2,216 |
| Total domestic deposits to total assets | 77.3891% | 6,369 |
| Equity capital to assets | 9.2298% | 4,804 |
| Core capital (leverage) ratio | 9.2922% | 3,988 |
| Tier 1 risk-based capital ratio | 10.3737% | 6,519 |
| Total risk-based capital ratio | 11.5675% | 6,543 |
| Memoranda: | ||
| Average total assets | $82,027,000 | 5,666 |
| Average earning assets | $78,140,400 | 5,523 |
| Average equity | $7,495,000 | 6,094 |
| Average total loans | $69,618,400 | 4,874 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4043% | 4,928 |
| Cost of funding earning assets | 1.7013% | 4,893 |
| Net interest margin | 3.7030% | 4,055 |
| Noninterest income to average assets | 0.2293% | 6,582 |
| Noninterest expense to average assets | 2.7233% | 5,231 |
| Loan and lease loss provision to assets | 0.2227% | 5,192 |
| Net operating income to assets | 0.8122% | 2,759 |
| Return on assets (ROA) | 0.8122% | 2,822 |
| Pretax return on assets | 0.8155% | 3,489 |
| Return on Equity (ROE) | 8.9127% | 2,298 |
| Retained earnings to average equity (ytd only) | 4.7977% | 2,607 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3988% | 4,176 |
| Assets per employee ($millions) | 5.5775% | 1,535 |
| Cash dividends to net income (ytd only)* | 46.1698% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 5,542 |
| Loan loss allowance to noncurrent loans | 318.0000% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 6,739 |
| Noncurrent loans to loans | 0.3551% | 6,643 |
| Net loans and leases to total assets | 83.2005% | 644 |
| Net loans and leases to deposits | 111.0175% | 422 |
| Net loans and leases to core deposits | 120.6964% | 2,187 |
| Total domestic deposits to total assets | 74.9435% | 6,779 |
| Equity capital to assets | 9.1223% | 5,301 |
| Core capital (leverage) ratio | 8.9253% | 4,770 |
| Tier 1 risk-based capital ratio | 10.2626% | 6,720 |
| Total risk-based capital ratio | 11.3349% | 6,843 |
| Memoranda: | ||
| Average total assets | $81,420,000 | 5,716 |
| Average earning assets | $77,665,250 | 5,570 |
| Average equity | $7,420,000 | 6,180 |
| Average total loans | $69,106,250 | 4,946 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3358% | 5,468 |
| Cost of funding earning assets | 1.7777% | 4,873 |
| Net interest margin | 3.5580% | 4,544 |
| Noninterest income to average assets | 0.2256% | 6,677 |
| Noninterest expense to average assets | 2.7420% | 5,212 |
| Loan and lease loss provision to assets | 0.1116% | 6,029 |
| Net operating income to assets | 0.7661% | 2,988 |
| Return on assets (ROA) | 0.7661% | 3,094 |
| Pretax return on assets | 0.7710% | 3,773 |
| Return on Equity (ROE) | 8.4089% | 2,605 |
| Retained earnings to average equity (ytd only) | 5.0073% | 2,500 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6498% | 3,753 |
| Assets per employee ($millions) | 4.8436% | 2,269 |
| Cash dividends to net income (ytd only)* | 40.4531% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 6,233 |
| Loan loss allowance to noncurrent loans | 93.9920% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9096% | 5,159 |
| Noncurrent loans to loans | 1.0654% | 5,082 |
| Net loans and leases to total assets | 84.5278% | 552 |
| Net loans and leases to deposits | 113.8685% | 402 |
| Net loans and leases to core deposits | 126.9651% | 1,785 |
| Total domestic deposits to total assets | 74.2328% | 6,919 |
| Equity capital to assets | 9.0623% | 5,226 |
| Core capital (leverage) ratio | 9.0489% | 4,554 |
| Tier 1 risk-based capital ratio | 10.0165% | 6,902 |
| Total risk-based capital ratio | 10.9659% | 7,164 |
| Memoranda: | ||
| Average total assets | $80,672,330 | 5,777 |
| Average earning assets | $77,065,000 | 5,632 |
| Average equity | $7,349,330 | 6,244 |
| Average total loans | $68,674,000 | 5,012 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2488% | 6,119 |
| Cost of funding earning assets | 1.8510% | 4,871 |
| Net interest margin | 3.3978% | 5,147 |
| Noninterest income to average assets | 0.2305% | 6,620 |
| Noninterest expense to average assets | 2.7656% | 4,718 |
| Loan and lease loss provision to assets | 0.1553% | 4,944 |
| Net operating income to assets | 0.5461% | 4,229 |
| Return on assets (ROA) | 0.5461% | 4,413 |
| Pretax return on assets | 0.5561% | 4,894 |
| Return on Equity (ROE) | 5.9783% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.9783% | 2,636 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5389% | 2,903 |
| Assets per employee ($millions) | 5.4149% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,188 |
| Loan loss allowance to noncurrent loans | 276.0000% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 6,601 |
| Noncurrent loans to loans | 0.3622% | 6,525 |
| Net loans and leases to total assets | 84.1313% | 670 |
| Net loans and leases to deposits | 113.8748% | 452 |
| Net loans and leases to core deposits | 124.1353% | 2,069 |
| Total domestic deposits to total assets | 73.8806% | 6,911 |
| Equity capital to assets | 9.0972% | 5,233 |
| Core capital (leverage) ratio | 9.2633% | 4,296 |
| Tier 1 risk-based capital ratio | 10.1245% | 6,783 |
| Total risk-based capital ratio | 11.0747% | 7,026 |
| Memoranda: | ||
| Average total assets | $79,838,000 | 5,828 |
| Average earning assets | $76,284,000 | 5,682 |
| Average equity | $7,293,000 | 6,303 |
| Average total loans | $67,858,500 | 5,055 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3062% | 3,931 |
| Cost of funding earning assets | 2.4302% | 4,570 |
| Net interest margin | 3.8760% | 3,674 |
| Noninterest income to average assets | 0.2141% | 6,906 |
| Noninterest expense to average assets | 2.9833% | 4,144 |
| Loan and lease loss provision to assets | 0.5295% | 2,697 |
| Net operating income to assets | 0.2743% | 5,630 |
| Return on assets (ROA) | 0.2743% | 5,448 |
| Pretax return on assets | 0.4092% | 5,235 |
| Return on Equity (ROE) | 2.8270% | 5,295 |
| Retained earnings to average equity (ytd only) | 1.1187% | 4,562 |
| Net charge-offs to loans | 0.4454% | 2,603 |
| Credit loss provision to net charge-offs | 139.3822% | 3,807 |
| Earnings coverage of net charge-offs (x) | 2.4710% | 4,838 |
| Efficiency ratio | 76.0658% | 3,229 |
| Assets per employee ($millions) | 5.2302% | 1,704 |
| Cash dividends to net income (ytd only)* | 60.4278% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,154 |
| Loan loss allowance to noncurrent loans | 263.6000% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 6,332 |
| Noncurrent loans to loans | 0.3749% | 6,231 |
| Net loans and leases to total assets | 84.1701% | 861 |
| Net loans and leases to deposits | 116.1405% | 517 |
| Net loans and leases to core deposits | 124.7926% | 2,265 |
| Total domestic deposits to total assets | 72.4727% | 6,919 |
| Equity capital to assets | 9.1736% | 5,120 |
| Core capital (leverage) ratio | 9.2820% | 4,318 |
| Tier 1 risk-based capital ratio | 10.0705% | 6,661 |
| Total risk-based capital ratio | 10.9996% | 6,921 |
| Memoranda: | ||
| Average total assets | $68,179,400 | 6,085 |
| Average earning assets | $65,222,000 | 5,987 |
| Average equity | $6,614,800 | 6,601 |
| Average total loans | $58,151,600 | 5,356 |