Home > Great Rivers Bank > Performance and Condition Ratios
Great Rivers Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9868% | 2,092 |
| Cost of funding earning assets | 1.2424% | 2,683 |
| Net interest margin | 3.7445% | 1,662 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.8132% | 1,464 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1446% | 1,797 |
| Return on assets (ROA) | 1.1404% | 1,781 |
| Pretax return on assets | 1.1314% | 2,316 |
| Return on Equity (ROE) | 11.4500% | 2,108 |
| Retained earnings to average equity (ytd only) | 9.1324% | 1,225 |
| Net charge-offs to loans | -0.0022% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.0805% | 1,750 |
| Assets per employee ($millions) | 5.4598% | 3,286 |
| Cash dividends to net income (ytd only)* | 20.2206% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 2,899 |
| Loan loss allowance to noncurrent loans | 2,628.0702% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 3,415 |
| Noncurrent loans to loans | 0.0414% | 3,427 |
| Net loans and leases to total assets | 80.4100% | 592 |
| Net loans and leases to deposits | 96.7620% | 734 |
| Net loans and leases to core deposits | 103.5716% | 1,241 |
| Total domestic deposits to total assets | 83.1000% | 2,867 |
| Equity capital to assets | 10.4169% | 1,772 |
| Core capital (leverage) ratio | 10.8338% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9131% | 2,265 |
| Memoranda: | ||
| Average total assets | $166,962,200 | 3,212 |
| Average earning assets | $156,231,200 | 3,197 |
| Average equity | $16,633,000 | 3,125 |
| Average total loans | $133,665,400 | 2,830 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 2,214 |
| Cost of funding earning assets | 1.0676% | 2,839 |
| Net interest margin | 3.7572% | 1,676 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.6964% | 1,668 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.2885% | 1,570 |
| Return on assets (ROA) | 1.2829% | 1,571 |
| Pretax return on assets | 1.2829% | 2,090 |
| Return on Equity (ROE) | 13.0300% | 1,890 |
| Retained earnings to average equity (ytd only) | 11.7758% | 1,012 |
| Net charge-offs to loans | -0.0020% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.4619% | 2,077 |
| Assets per employee ($millions) | 5.4718% | 3,208 |
| Cash dividends to net income (ytd only)* | 9.6190% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 2,844 |
| Loan loss allowance to noncurrent loans | 2,454.0984% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 3,441 |
| Noncurrent loans to loans | 0.0450% | 3,435 |
| Net loans and leases to total assets | 78.9800% | 762 |
| Net loans and leases to deposits | 94.9618% | 823 |
| Net loans and leases to core deposits | 101.4017% | 1,243 |
| Total domestic deposits to total assets | 83.1700% | 2,984 |
| Equity capital to assets | 10.0574% | 1,801 |
| Core capital (leverage) ratio | 10.7513% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2571% | 2,182 |
| Memoranda: | ||
| Average total assets | $166,389,500 | 3,228 |
| Average earning assets | $156,106,250 | 3,209 |
| Average equity | $16,383,500 | 3,137 |
| Average total loans | $132,685,000 | 2,838 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 2,363 |
| Cost of funding earning assets | 0.9335% | 2,821 |
| Net interest margin | 3.6914% | 1,832 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.8226% | 1,372 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1203% | 2,060 |
| Return on assets (ROA) | 1.1118% | 2,081 |
| Pretax return on assets | 1.1118% | 2,611 |
| Return on Equity (ROE) | 11.3800% | 2,334 |
| Retained earnings to average equity (ytd only) | 10.4221% | 1,304 |
| Net charge-offs to loans | -0.0030% | 3,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.2584% | 1,638 |
| Assets per employee ($millions) | 5.4567% | 3,187 |
| Cash dividends to net income (ytd only)* | 8.3787% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 3,003 |
| Loan loss allowance to noncurrent loans | 885.7988% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 2,835 |
| Noncurrent loans to loans | 0.1229% | 2,861 |
| Net loans and leases to total assets | 80.3900% | 594 |
| Net loans and leases to deposits | 93.0002% | 953 |
| Net loans and leases to core deposits | 99.3628% | 1,273 |
| Total domestic deposits to total assets | 86.4400% | 2,107 |
| Equity capital to assets | 9.7560% | 1,996 |
| Core capital (leverage) ratio | 10.5736% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4928% | 2,468 |
| Memoranda: | ||
| Average total assets | $165,310,667 | 3,243 |
| Average earning assets | $155,116,667 | 3,233 |
| Average equity | $16,158,000 | 3,176 |
| Average total loans | $131,756,000 | 2,846 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 2,588 |
| Cost of funding earning assets | 0.9016% | 2,366 |
| Net interest margin | 3.4860% | 2,405 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.6954% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0845% | 2,276 |
| Return on assets (ROA) | 1.0796% | 2,258 |
| Pretax return on assets | 1.0796% | 2,768 |
| Return on Equity (ROE) | 11.0400% | 2,481 |
| Retained earnings to average equity (ytd only) | 11.0350% | 1,461 |
| Net charge-offs to loans | -0.0031% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.3083% | 1,601 |
| Assets per employee ($millions) | 4.9562% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,847 |
| Loan loss allowance to noncurrent loans | 841.4773% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 2,773 |
| Noncurrent loans to loans | 0.1357% | 2,829 |
| Net loans and leases to total assets | 78.4200% | 725 |
| Net loans and leases to deposits | 89.0914% | 1,126 |
| Net loans and leases to core deposits | 94.7777% | 1,341 |
| Total domestic deposits to total assets | 88.0200% | 1,918 |
| Equity capital to assets | 9.9453% | 1,844 |
| Core capital (leverage) ratio | 10.4724% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7676% | 2,477 |
| Memoranda: | ||
| Average total assets | $163,387,000 | 3,309 |
| Average earning assets | $152,611,500 | 3,294 |
| Average equity | $15,985,500 | 3,216 |
| Average total loans | $128,893,500 | 2,899 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 2,601 |
| Cost of funding earning assets | 0.2951% | 2,919 |
| Net interest margin | 3.3796% | 2,319 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.7521% | 1,432 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.8331% | 3,212 |
| Return on assets (ROA) | 0.8256% | 3,170 |
| Pretax return on assets | 0.8733% | 3,424 |
| Return on Equity (ROE) | 8.3300% | 3,303 |
| Retained earnings to average equity (ytd only) | 4.4027% | 3,265 |
| Net charge-offs to loans | 0.0318% | 1,435 |
| Credit loss provision to net charge-offs | 500.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 42.8947% | 1,464 |
| Efficiency ratio | 73.3964% | 1,281 |
| Assets per employee ($millions) | 4.6634% | 3,930 |
| Cash dividends to net income (ytd only)* | 47.1460% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 3,174 |
| Loan loss allowance to noncurrent loans | 822.9814% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 2,853 |
| Noncurrent loans to loans | 0.1257% | 2,885 |
| Net loans and leases to total assets | 77.6400% | 838 |
| Net loans and leases to deposits | 89.0899% | 1,110 |
| Net loans and leases to core deposits | 93.9685% | 1,298 |
| Total domestic deposits to total assets | 87.1500% | 2,346 |
| Equity capital to assets | 9.6220% | 1,924 |
| Core capital (leverage) ratio | 10.0606% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9382% | 2,396 |
| Memoranda: | ||
| Average total assets | $163,402,400 | 3,322 |
| Average earning assets | $155,197,000 | 3,278 |
| Average equity | $16,194,600 | 3,258 |
| Average total loans | $119,654,000 | 2,923 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5242% | 2,531 |
| Cost of funding earning assets | 0.1831% | 3,480 |
| Net interest margin | 3.3411% | 2,167 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.6079% | 1,696 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0152% | 2,425 |
| Return on assets (ROA) | 1.0050% | 2,432 |
| Pretax return on assets | 1.0425% | 2,895 |
| Return on Equity (ROE) | 10.0700% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.8086% | 1,723 |
| Net charge-offs to loans | 0.0454% | 1,034 |
| Credit loss provision to net charge-offs | 350.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 35.7750% | 1,436 |
| Efficiency ratio | 69.0795% | 1,877 |
| Assets per employee ($millions) | 4.9154% | 3,752 |
| Cash dividends to net income (ytd only)* | 12.5000% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,450 |
| Loan loss allowance to noncurrent loans | 581.2785% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 2,662 |
| Noncurrent loans to loans | 0.1730% | 2,726 |
| Net loans and leases to total assets | 77.2600% | 776 |
| Net loans and leases to deposits | 92.0581% | 763 |
| Net loans and leases to core deposits | 96.7552% | 965 |
| Total domestic deposits to total assets | 83.9300% | 3,520 |
| Equity capital to assets | 9.7998% | 1,726 |
| Core capital (leverage) ratio | 10.6432% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2898% | 2,361 |
| Memoranda: | ||
| Average total assets | $163,448,000 | 3,348 |
| Average earning assets | $155,834,750 | 3,304 |
| Average equity | $16,317,000 | 3,286 |
| Average total loans | $117,555,000 | 2,951 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4207% | 2,370 |
| Cost of funding earning assets | 0.1472% | 3,614 |
| Net interest margin | 3.2735% | 1,983 |
| Noninterest income to average assets | 0.6542% | 1,525 |
| Noninterest expense to average assets | 2.6815% | 1,434 |
| Loan and lease loss provision to assets | 0.0488% | 1,704 |
| Net operating income to assets | 0.9899% | 2,195 |
| Return on assets (ROA) | 0.9899% | 2,165 |
| Pretax return on assets | 1.0460% | 2,585 |
| Return on Equity (ROE) | 9.8558% | 2,382 |
| Retained earnings to average equity (ytd only) | 8.9200% | 1,312 |
| Net charge-offs to loans | -0.0035% | 3,243 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0084% | 1,828 |
| Assets per employee ($millions) | 4.7741% | 3,867 |
| Cash dividends to net income (ytd only)* | 9.4945% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,530 |
| Loan loss allowance to noncurrent loans | 273.6486% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 1,897 |
| Noncurrent loans to loans | 0.3713% | 2,031 |
| Net loans and leases to total assets | 75.1231% | 810 |
| Net loans and leases to deposits | 86.9174% | 913 |
| Net loans and leases to core deposits | 87.8282% | 1,230 |
| Total domestic deposits to total assets | 86.4305% | 3,132 |
| Equity capital to assets | 10.2575% | 1,559 |
| Core capital (leverage) ratio | 10.4244% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6807% | 2,217 |
| Memoranda: | ||
| Average total assets | $163,861,333 | 3,375 |
| Average earning assets | $156,284,000 | 3,343 |
| Average equity | $16,457,333 | 3,361 |
| Average total loans | $114,540,000 | 3,011 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3663% | 2,189 |
| Cost of funding earning assets | 0.1409% | 3,618 |
| Net interest margin | 3.2254% | 1,803 |
| Noninterest income to average assets | 0.6011% | 1,695 |
| Noninterest expense to average assets | 2.4979% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0633% | 1,643 |
| Return on assets (ROA) | 1.0633% | 1,636 |
| Pretax return on assets | 1.1735% | 1,905 |
| Return on Equity (ROE) | 10.6949% | 1,730 |
| Retained earnings to average equity (ytd only) | 10.6949% | 850 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0365% | 2,501 |
| Assets per employee ($millions) | 5.4159% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 3,547 |
| Loan loss allowance to noncurrent loans | 259.1611% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 2,058 |
| Noncurrent loans to loans | 0.4034% | 2,051 |
| Net loans and leases to total assets | 66.1900% | 1,390 |
| Net loans and leases to deposits | 75.9540% | 1,452 |
| Net loans and leases to core deposits | 76.6936% | 1,731 |
| Total domestic deposits to total assets | 87.1449% | 2,877 |
| Equity capital to assets | 9.7675% | 2,078 |
| Core capital (leverage) ratio | 9.8162% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9120% | 2,252 |
| Memoranda: | ||
| Average total assets | $167,020,000 | 3,370 |
| Average earning assets | $158,986,500 | 3,337 |
| Average equity | $16,606,000 | 3,427 |
| Average total loans | $112,026,500 | 3,033 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4496% | 2,804 |
| Cost of funding earning assets | 0.2160% | 3,305 |
| Net interest margin | 3.2337% | 2,505 |
| Noninterest income to average assets | 0.6042% | 2,137 |
| Noninterest expense to average assets | 2.4614% | 2,303 |
| Loan and lease loss provision to assets | 0.0444% | 2,169 |
| Net operating income to assets | 1.1285% | 2,179 |
| Return on assets (ROA) | 1.1285% | 2,231 |
| Pretax return on assets | 1.1409% | 2,850 |
| Return on Equity (ROE) | 11.1392% | 2,114 |
| Retained earnings to average equity (ytd only) | 6.4613% | 2,151 |
| Net charge-offs to loans | 0.0658% | 1,136 |
| Credit loss provision to net charge-offs | 105.6338% | 1,746 |
| Earnings coverage of net charge-offs (x) | 28.1831% | 1,659 |
| Efficiency ratio | 67.4951% | 2,053 |
| Assets per employee ($millions) | 5.0347% | 3,699 |
| Cash dividends to net income (ytd only)* | 41.9948% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,574 |
| Loan loss allowance to noncurrent loans | 249.5745% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 2,126 |
| Noncurrent loans to loans | 0.4206% | 2,091 |
| Net loans and leases to total assets | 66.5541% | 1,414 |
| Net loans and leases to deposits | 76.8189% | 1,505 |
| Net loans and leases to core deposits | 77.5794% | 1,796 |
| Total domestic deposits to total assets | 86.6377% | 2,652 |
| Equity capital to assets | 10.1194% | 2,542 |
| Core capital (leverage) ratio | 9.8719% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7359% | 2,346 |
| Memoranda: | ||
| Average total assets | $168,807,400 | 3,311 |
| Average earning assets | $158,829,200 | 3,289 |
| Average equity | $17,101,800 | 3,454 |
| Average total loans | $107,913,400 | 3,104 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4088% | 3,077 |
| Cost of funding earning assets | 0.2342% | 3,269 |
| Net interest margin | 3.1747% | 2,814 |
| Noninterest income to average assets | 0.6137% | 2,155 |
| Noninterest expense to average assets | 2.2351% | 2,947 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3485% | 1,697 |
| Return on assets (ROA) | 1.3485% | 1,752 |
| Pretax return on assets | 1.3650% | 2,452 |
| Return on Equity (ROE) | 13.3066% | 1,614 |
| Retained earnings to average equity (ytd only) | 12.0644% | 825 |
| Net charge-offs to loans | 0.0224% | 1,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 96.3889% | 889 |
| Efficiency ratio | 62.0848% | 2,684 |
| Assets per employee ($millions) | 4.9414% | 3,753 |
| Cash dividends to net income (ytd only)* | 9.3349% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,542 |
| Loan loss allowance to noncurrent loans | 194.0978% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 1,947 |
| Noncurrent loans to loans | 0.5551% | 1,926 |
| Net loans and leases to total assets | 66.8370% | 1,449 |
| Net loans and leases to deposits | 78.4370% | 1,443 |
| Net loans and leases to core deposits | 80.4804% | 1,694 |
| Total domestic deposits to total assets | 85.2111% | 3,044 |
| Equity capital to assets | 11.3265% | 1,787 |
| Core capital (leverage) ratio | 10.0231% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9216% | 1,994 |
| Memoranda: | ||
| Average total assets | $169,472,750 | 3,341 |
| Average earning assets | $159,425,500 | 3,311 |
| Average equity | $17,174,000 | 3,490 |
| Average total loans | $106,954,250 | 3,156 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3337% | 3,349 |
| Cost of funding earning assets | 0.2572% | 3,226 |
| Net interest margin | 3.0765% | 3,096 |
| Noninterest income to average assets | 0.6060% | 2,191 |
| Noninterest expense to average assets | 2.1979% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2698% | 1,952 |
| Return on assets (ROA) | 1.2698% | 2,028 |
| Pretax return on assets | 1.2940% | 2,646 |
| Return on Equity (ROE) | 12.9957% | 1,721 |
| Retained earnings to average equity (ytd only) | 12.0506% | 904 |
| Net charge-offs to loans | 0.0224% | 1,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 93.4167% | 778 |
| Efficiency ratio | 62.9421% | 2,587 |
| Assets per employee ($millions) | 5.8472% | 2,766 |
| Cash dividends to net income (ytd only)* | 7.2727% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 3,476 |
| Loan loss allowance to noncurrent loans | 198.1164% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 2,309 |
| Noncurrent loans to loans | 0.5484% | 2,029 |
| Net loans and leases to total assets | 58.1122% | 2,656 |
| Net loans and leases to deposits | 66.5513% | 2,774 |
| Net loans and leases to core deposits | 68.1579% | 2,947 |
| Total domestic deposits to total assets | 87.3195% | 2,163 |
| Equity capital to assets | 9.5954% | 3,256 |
| Core capital (leverage) ratio | 9.0560% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7994% | 2,051 |
| Memoranda: | ||
| Average total assets | $173,255,333 | 3,309 |
| Average earning assets | $162,523,667 | 3,290 |
| Average equity | $16,928,667 | 3,520 |
| Average total loans | $106,993,333 | 3,168 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3454% | 3,351 |
| Cost of funding earning assets | 0.3060% | 2,927 |
| Net interest margin | 3.0395% | 3,160 |
| Noninterest income to average assets | 0.6145% | 2,152 |
| Noninterest expense to average assets | 2.1814% | 3,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2478% | 1,984 |
| Return on assets (ROA) | 1.2478% | 2,065 |
| Pretax return on assets | 1.2975% | 2,580 |
| Return on Equity (ROE) | 12.6494% | 1,768 |
| Retained earnings to average equity (ytd only) | 12.6494% | 986 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7038% | 2,644 |
| Assets per employee ($millions) | 5.7378% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,463 |
| Loan loss allowance to noncurrent loans | 191.1765% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 2,423 |
| Noncurrent loans to loans | 0.5728% | 2,136 |
| Net loans and leases to total assets | 59.4093% | 2,618 |
| Net loans and leases to deposits | 65.8914% | 2,927 |
| Net loans and leases to core deposits | 66.6083% | 3,194 |
| Total domestic deposits to total assets | 90.1625% | 744 |
| Equity capital to assets | 9.5125% | 3,193 |
| Core capital (leverage) ratio | 9.3027% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8019% | 2,373 |
| Memoranda: | ||
| Average total assets | $169,251,500 | 3,342 |
| Average earning assets | $159,500,500 | 3,308 |
| Average equity | $16,696,500 | 3,540 |
| Average total loans | $107,243,500 | 3,162 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 2,952 |
| Cost of funding earning assets | 0.6289% | 2,128 |
| Net interest margin | 3.2961% | 3,073 |
| Noninterest income to average assets | 0.6329% | 2,090 |
| Noninterest expense to average assets | 2.6580% | 2,362 |
| Loan and lease loss provision to assets | 0.1396% | 2,613 |
| Net operating income to assets | 0.9421% | 2,516 |
| Return on assets (ROA) | 0.9421% | 2,663 |
| Pretax return on assets | 0.9511% | 3,217 |
| Return on Equity (ROE) | 8.2442% | 2,715 |
| Retained earnings to average equity (ytd only) | 3.1145% | 3,283 |
| Net charge-offs to loans | 0.0585% | 1,942 |
| Credit loss provision to net charge-offs | 322.5806% | 1,662 |
| Earnings coverage of net charge-offs (x) | 25.2097% | 1,749 |
| Efficiency ratio | 70.9047% | 1,822 |
| Assets per employee ($millions) | 5.3544% | 2,993 |
| Cash dividends to net income (ytd only)* | 62.2222% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 3,524 |
| Loan loss allowance to noncurrent loans | 185.7143% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 2,419 |
| Noncurrent loans to loans | 0.5853% | 2,239 |
| Net loans and leases to total assets | 66.2850% | 2,053 |
| Net loans and leases to deposits | 76.1041% | 2,272 |
| Net loans and leases to core deposits | 77.0531% | 2,631 |
| Total domestic deposits to total assets | 87.0978% | 1,894 |
| Equity capital to assets | 10.2551% | 2,879 |
| Core capital (leverage) ratio | 9.8518% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2461% | 2,531 |
| Memoranda: | ||
| Average total assets | $143,303,200 | 3,478 |
| Average earning assets | $135,464,600 | 3,438 |
| Average equity | $16,375,200 | 3,514 |
| Average total loans | $105,976,400 | 3,151 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4580% | 1,681 |
| Cost of funding earning assets | 0.7079% | 1,982 |
| Net interest margin | 3.7501% | 1,764 |
| Noninterest income to average assets | 0.4250% | 2,959 |
| Noninterest expense to average assets | 2.5885% | 2,563 |
| Loan and lease loss provision to assets | 0.1439% | 2,581 |
| Net operating income to assets | 1.2328% | 1,543 |
| Return on assets (ROA) | 1.2328% | 1,666 |
| Pretax return on assets | 1.2453% | 2,247 |
| Return on Equity (ROE) | 10.4784% | 1,850 |
| Retained earnings to average equity (ytd only) | 7.8690% | 1,347 |
| Net charge-offs to loans | 0.0644% | 1,692 |
| Credit loss provision to net charge-offs | 294.1176% | 1,783 |
| Earnings coverage of net charge-offs (x) | 28.3922% | 1,637 |
| Efficiency ratio | 65.0748% | 2,583 |
| Assets per employee ($millions) | 4.5404% | 3,795 |
| Cash dividends to net income (ytd only)* | 24.9027% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,443 |
| Loan loss allowance to noncurrent loans | 166.4212% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4824% | 2,270 |
| Noncurrent loans to loans | 0.6328% | 2,211 |
| Net loans and leases to total assets | 75.4336% | 1,172 |
| Net loans and leases to deposits | 88.7469% | 1,399 |
| Net loans and leases to core deposits | 90.4364% | 1,936 |
| Total domestic deposits to total assets | 84.9985% | 2,437 |
| Equity capital to assets | 12.0417% | 1,648 |
| Core capital (leverage) ratio | 11.0227% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1804% | 2,117 |
| Memoranda: | ||
| Average total assets | $138,971,000 | 3,514 |
| Average earning assets | $131,655,250 | 3,478 |
| Average equity | $16,350,750 | 3,520 |
| Average total loans | $105,559,250 | 3,162 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 1,562 |
| Cost of funding earning assets | 0.7842% | 1,905 |
| Net interest margin | 3.8569% | 1,672 |
| Noninterest income to average assets | 0.4090% | 3,023 |
| Noninterest expense to average assets | 2.5539% | 2,815 |
| Loan and lease loss provision to assets | 0.1445% | 2,564 |
| Net operating income to assets | 1.3456% | 1,233 |
| Return on assets (ROA) | 1.3456% | 1,332 |
| Pretax return on assets | 1.3644% | 1,820 |
| Return on Equity (ROE) | 11.5285% | 1,471 |
| Retained earnings to average equity (ytd only) | 8.5566% | 1,145 |
| Net charge-offs to loans | 0.1029% | 1,251 |
| Credit loss provision to net charge-offs | 185.1852% | 1,980 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,726 |
| Efficiency ratio | 62.8602% | 2,977 |
| Assets per employee ($millions) | 4.5321% | 3,744 |
| Cash dividends to net income (ytd only)* | 25.7787% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 3,735 |
| Loan loss allowance to noncurrent loans | 146.1330% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 2,318 |
| Noncurrent loans to loans | 0.6606% | 2,213 |
| Net loans and leases to total assets | 76.1818% | 1,105 |
| Net loans and leases to deposits | 89.0290% | 1,446 |
| Net loans and leases to core deposits | 90.8788% | 1,998 |
| Total domestic deposits to total assets | 85.5697% | 2,173 |
| Equity capital to assets | 11.5012% | 1,972 |
| Core capital (leverage) ratio | 10.7462% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2808% | 2,492 |
| Memoranda: | ||
| Average total assets | $138,377,000 | 3,498 |
| Average earning assets | $131,089,333 | 3,461 |
| Average equity | $16,151,333 | 3,535 |
| Average total loans | $104,977,333 | 3,167 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 2,636 |
| Cost of funding earning assets | 0.9048% | 1,836 |
| Net interest margin | 3.4898% | 3,014 |
| Noninterest income to average assets | 0.4413% | 2,840 |
| Noninterest expense to average assets | 2.6123% | 2,947 |
| Loan and lease loss provision to assets | 0.2369% | 1,311 |
| Net operating income to assets | 0.8323% | 2,787 |
| Return on assets (ROA) | 0.8323% | 2,871 |
| Pretax return on assets | 0.8708% | 3,221 |
| Return on Equity (ROE) | 7.0750% | 2,911 |
| Retained earnings to average equity (ytd only) | 3.0465% | 3,066 |
| Net charge-offs to loans | 0.2085% | 666 |
| Credit loss provision to net charge-offs | 150.9434% | 1,582 |
| Earnings coverage of net charge-offs (x) | 7.0566% | 1,949 |
| Efficiency ratio | 70.2229% | 2,318 |
| Assets per employee ($millions) | 4.4470% | 3,339 |
| Cash dividends to net income (ytd only)* | 56.9395% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 3,654 |
| Loan loss allowance to noncurrent loans | 143.9456% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 2,022 |
| Noncurrent loans to loans | 0.7011% | 2,244 |
| Net loans and leases to total assets | 77.7871% | 1,008 |
| Net loans and leases to deposits | 88.5158% | 1,692 |
| Net loans and leases to core deposits | 91.0563% | 2,245 |
| Total domestic deposits to total assets | 87.8794% | 1,155 |
| Equity capital to assets | 11.9670% | 2,094 |
| Core capital (leverage) ratio | 10.8397% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9362% | 2,318 |
| Memoranda: | ||
| Average total assets | $135,051,500 | 3,515 |
| Average earning assets | $126,883,000 | 3,484 |
| Average equity | $15,887,000 | 3,567 |
| Average total loans | $101,685,000 | 3,199 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 2,735 |
| Cost of funding earning assets | 0.8417% | 2,479 |
| Net interest margin | 3.7223% | 2,748 |
| Noninterest income to average assets | 0.5140% | 2,654 |
| Noninterest expense to average assets | 2.9280% | 2,218 |
| Loan and lease loss provision to assets | 0.3843% | 382 |
| Net operating income to assets | 0.7033% | 3,862 |
| Return on assets (ROA) | 0.6851% | 3,978 |
| Pretax return on assets | 0.6884% | 4,230 |
| Return on Equity (ROE) | 5.3646% | 4,116 |
| Retained earnings to average equity (ytd only) | 2.7373% | 3,667 |
| Net charge-offs to loans | 0.3437% | 591 |
| Credit loss provision to net charge-offs | 150.4854% | 1,696 |
| Earnings coverage of net charge-offs (x) | 4.2718% | 3,234 |
| Efficiency ratio | 72.8563% | 1,752 |
| Assets per employee ($millions) | 4.5565% | 3,151 |
| Cash dividends to net income (ytd only)* | 48.9747% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 3,241 |
| Loan loss allowance to noncurrent loans | 107.8452% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 1,851 |
| Noncurrent loans to loans | 0.9702% | 1,576 |
| Net loans and leases to total assets | 71.3316% | 2,198 |
| Net loans and leases to deposits | 80.8293% | 2,679 |
| Net loans and leases to core deposits | 83.4819% | 3,001 |
| Total domestic deposits to total assets | 88.2497% | 1,001 |
| Equity capital to assets | 11.5652% | 2,477 |
| Core capital (leverage) ratio | 10.8421% | 2,642 |
| Tier 1 risk-based capital ratio | 13.4468% | 3,555 |
| Total risk-based capital ratio | 14.4143% | 3,589 |
| Memoranda: | ||
| Average total assets | $121,004,000 | 3,684 |
| Average earning assets | $113,936,000 | 3,649 |
| Average equity | $15,453,200 | 3,593 |
| Average total loans | $89,906,600 | 3,401 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5645% | 2,848 |
| Cost of funding earning assets | 0.8018% | 2,708 |
| Net interest margin | 3.7627% | 2,710 |
| Noninterest income to average assets | 0.4851% | 2,826 |
| Noninterest expense to average assets | 2.9324% | 2,154 |
| Loan and lease loss provision to assets | 0.3530% | 383 |
| Net operating income to assets | 0.7434% | 3,867 |
| Return on assets (ROA) | 0.7186% | 4,021 |
| Pretax return on assets | 0.7231% | 4,293 |
| Return on Equity (ROE) | 5.4758% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.6468% | 4,029 |
| Net charge-offs to loans | 0.3343% | 518 |
| Credit loss provision to net charge-offs | 140.9091% | 1,715 |
| Earnings coverage of net charge-offs (x) | 4.3954% | 3,014 |
| Efficiency ratio | 72.6990% | 1,738 |
| Assets per employee ($millions) | 4.4078% | 3,331 |
| Cash dividends to net income (ytd only)* | 51.6647% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,407 |
| Loan loss allowance to noncurrent loans | 67.9577% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 1,222 |
| Noncurrent loans to loans | 1.5140% | 997 |
| Net loans and leases to total assets | 70.2011% | 2,438 |
| Net loans and leases to deposits | 79.8570% | 2,914 |
| Net loans and leases to core deposits | 82.7818% | 3,195 |
| Total domestic deposits to total assets | 87.9085% | 1,075 |
| Equity capital to assets | 11.8707% | 2,359 |
| Core capital (leverage) ratio | 11.0486% | 2,602 |
| Tier 1 risk-based capital ratio | 13.7816% | 3,433 |
| Total risk-based capital ratio | 14.7191% | 3,499 |
| Memoranda: | ||
| Average total assets | $117,081,500 | 3,786 |
| Average earning assets | $110,415,500 | 3,746 |
| Average equity | $15,364,250 | 3,641 |
| Average total loans | $87,749,000 | 3,492 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 2,750 |
| Cost of funding earning assets | 0.6918% | 3,212 |
| Net interest margin | 3.8842% | 2,286 |
| Noninterest income to average assets | 0.5284% | 2,522 |
| Noninterest expense to average assets | 3.0759% | 1,803 |
| Loan and lease loss provision to assets | 0.3749% | 338 |
| Net operating income to assets | 0.7084% | 3,980 |
| Return on assets (ROA) | 0.6712% | 4,148 |
| Pretax return on assets | 0.6784% | 4,381 |
| Return on Equity (ROE) | 4.9301% | 4,363 |
| Retained earnings to average equity (ytd only) | 1.7045% | 4,207 |
| Net charge-offs to loans | 0.3476% | 484 |
| Credit loss provision to net charge-offs | 140.9396% | 1,559 |
| Earnings coverage of net charge-offs (x) | 4.1007% | 2,765 |
| Efficiency ratio | 73.8218% | 1,665 |
| Assets per employee ($millions) | 3.7547% | 4,174 |
| Cash dividends to net income (ytd only)* | 65.4255% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 3,537 |
| Loan loss allowance to noncurrent loans | 81.3368% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.0653% | 1,284 |
| Noncurrent loans to loans | 1.2465% | 1,276 |
| Net loans and leases to total assets | 78.5931% | 1,106 |
| Net loans and leases to deposits | 91.1973% | 1,598 |
| Net loans and leases to core deposits | 95.4816% | 2,121 |
| Total domestic deposits to total assets | 86.1792% | 1,942 |
| Equity capital to assets | 13.3225% | 1,425 |
| Core capital (leverage) ratio | 12.2790% | 1,655 |
| Tier 1 risk-based capital ratio | 14.0541% | 3,293 |
| Total risk-based capital ratio | 14.9941% | 3,353 |
| Memoranda: | ||
| Average total assets | $112,031,000 | 3,868 |
| Average earning assets | $104,937,000 | 3,860 |
| Average equity | $15,253,330 | 3,657 |
| Average total loans | $85,734,000 | 3,553 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5099% | 2,833 |
| Cost of funding earning assets | 0.6191% | 3,470 |
| Net interest margin | 3.8908% | 2,220 |
| Noninterest income to average assets | 0.5280% | 2,391 |
| Noninterest expense to average assets | 3.3756% | 1,150 |
| Loan and lease loss provision to assets | 0.1821% | 903 |
| Net operating income to assets | 0.5650% | 4,349 |
| Return on assets (ROA) | 0.4916% | 4,566 |
| Pretax return on assets | 0.5098% | 4,659 |
| Return on Equity (ROE) | 3.5699% | 4,666 |
| Retained earnings to average equity (ytd only) | -0.8198% | 4,627 |
| Net charge-offs to loans | 0.0243% | 1,961 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 42.2000% | 1,120 |
| Efficiency ratio | 81.4587% | 926 |
| Assets per employee ($millions) | 3.8309% | 4,149 |
| Cash dividends to net income (ytd only)* | 122.9630% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 3,414 |
| Loan loss allowance to noncurrent loans | 68.0473% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.2530% | 1,058 |
| Noncurrent loans to loans | 1.5420% | 1,039 |
| Net loans and leases to total assets | 75.4903% | 1,565 |
| Net loans and leases to deposits | 87.1467% | 1,981 |
| Net loans and leases to core deposits | 89.2802% | 2,579 |
| Total domestic deposits to total assets | 86.6244% | 1,993 |
| Equity capital to assets | 13.2355% | 1,328 |
| Core capital (leverage) ratio | 12.8232% | 1,351 |
| Tier 1 risk-based capital ratio | 14.4641% | 3,110 |
| Total risk-based capital ratio | 15.4249% | 3,180 |
| Memoranda: | ||
| Average total assets | $109,848,000 | 3,938 |
| Average earning assets | $102,087,000 | 3,939 |
| Average equity | $15,126,500 | 3,690 |
| Average total loans | $82,392,500 | 3,646 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 3,593 |
| Cost of funding earning assets | 0.3805% | 4,101 |
| Net interest margin | 3.7670% | 2,798 |
| Noninterest income to average assets | 0.6424% | 2,076 |
| Noninterest expense to average assets | 3.2769% | 1,381 |
| Loan and lease loss provision to assets | 0.1962% | 967 |
| Net operating income to assets | 0.6650% | 4,246 |
| Return on assets (ROA) | 0.6336% | 4,333 |
| Pretax return on assets | 0.6336% | 4,571 |
| Return on Equity (ROE) | 4.2598% | 4,640 |
| Retained earnings to average equity (ytd only) | 2.7167% | 4,044 |
| Net charge-offs to loans | 0.4489% | 405 |
| Credit loss provision to net charge-offs | 66.6667% | 3,031 |
| Earnings coverage of net charge-offs (x) | 2.9267% | 3,477 |
| Efficiency ratio | 79.1894% | 1,025 |
| Assets per employee ($millions) | 3.3797% | 4,679 |
| Cash dividends to net income (ytd only)* | 36.2229% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 2,906 |
| Loan loss allowance to noncurrent loans | 65.1042% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.3658% | 913 |
| Noncurrent loans to loans | 1.7430% | 822 |
| Net loans and leases to total assets | 72.7613% | 2,135 |
| Net loans and leases to deposits | 85.0842% | 2,393 |
| Net loans and leases to core deposits | 87.4973% | 2,790 |
| Total domestic deposits to total assets | 85.5168% | 2,432 |
| Equity capital to assets | 14.3572% | 875 |
| Core capital (leverage) ratio | 13.5702% | 1,052 |
| Tier 1 risk-based capital ratio | 16.5423% | 2,228 |
| Total risk-based capital ratio | 17.5851% | 2,236 |
| Memoranda: | ||
| Average total assets | $101,957,000 | 4,066 |
| Average earning assets | $94,610,600 | 4,051 |
| Average equity | $15,165,200 | 3,620 |
| Average total loans | $66,826,200 | 3,940 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0491% | 3,788 |
| Cost of funding earning assets | 0.3551% | 4,148 |
| Net interest margin | 3.6940% | 3,043 |
| Noninterest income to average assets | 0.6044% | 2,281 |
| Noninterest expense to average assets | 3.2011% | 1,518 |
| Loan and lease loss provision to assets | 0.1317% | 1,530 |
| Net operating income to assets | 0.6966% | 4,232 |
| Return on assets (ROA) | 0.6808% | 4,298 |
| Pretax return on assets | 0.6808% | 4,575 |
| Return on Equity (ROE) | 4.5362% | 4,686 |
| Retained earnings to average equity (ytd only) | 3.1850% | 4,154 |
| Net charge-offs to loans | 0.0187% | 2,773 |
| Credit loss provision to net charge-offs | 1,111.1111% | 379 |
| Earnings coverage of net charge-offs (x) | 69.8875% | 960 |
| Efficiency ratio | 79.4444% | 995 |
| Assets per employee ($millions) | 3.3331% | 4,743 |
| Cash dividends to net income (ytd only)* | 29.7873% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 1,209 |
| Loan loss allowance to noncurrent loans | 60.3624% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.9161% | 575 |
| Noncurrent loans to loans | 2.5582% | 506 |
| Net loans and leases to total assets | 67.9711% | 2,945 |
| Net loans and leases to deposits | 79.8606% | 3,064 |
| Net loans and leases to core deposits | 81.4884% | 3,365 |
| Total domestic deposits to total assets | 85.1121% | 2,567 |
| Equity capital to assets | 14.8019% | 762 |
| Core capital (leverage) ratio | 14.0840% | 913 |
| Tier 1 risk-based capital ratio | 18.1649% | 1,753 |
| Total risk-based capital ratio | 19.4164% | 1,703 |
| Memoranda: | ||
| Average total assets | $101,253,750 | 4,122 |
| Average earning assets | $93,879,750 | 4,109 |
| Average equity | $15,196,000 | 3,636 |
| Average total loans | $64,256,000 | 4,040 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 3,814 |
| Cost of funding earning assets | 0.3501% | 4,075 |
| Net interest margin | 3.6397% | 3,161 |
| Noninterest income to average assets | 0.6157% | 2,243 |
| Noninterest expense to average assets | 3.0942% | 1,800 |
| Loan and lease loss provision to assets | 0.0492% | 2,933 |
| Net operating income to assets | 0.8262% | 3,770 |
| Return on assets (ROA) | 0.8262% | 3,773 |
| Pretax return on assets | 0.8262% | 4,174 |
| Return on Equity (ROE) | 5.4803% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.4886% | 3,351 |
| Net charge-offs to loans | 0.1787% | 881 |
| Credit loss provision to net charge-offs | 44.6429% | 2,527 |
| Earnings coverage of net charge-offs (x) | 7.9464% | 2,513 |
| Efficiency ratio | 77.9485% | 1,205 |
| Assets per employee ($millions) | 3.1885% | 4,941 |
| Cash dividends to net income (ytd only)* | 18.0952% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 1,318 |
| Loan loss allowance to noncurrent loans | 63.4835% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.7300% | 702 |
| Noncurrent loans to loans | 2.4008% | 552 |
| Net loans and leases to total assets | 61.7080% | 3,637 |
| Net loans and leases to deposits | 72.4963% | 3,675 |
| Net loans and leases to core deposits | 73.7212% | 3,898 |
| Total domestic deposits to total assets | 85.1188% | 2,629 |
| Equity capital to assets | 14.7932% | 731 |
| Core capital (leverage) ratio | 13.6014% | 1,036 |
| Tier 1 risk-based capital ratio | 19.4140% | 1,451 |
| Total risk-based capital ratio | 20.6648% | 1,411 |
| Memoranda: | ||
| Average total assets | $101,673,670 | 4,151 |
| Average earning assets | $93,689,330 | 4,151 |
| Average equity | $15,327,670 | 3,640 |
| Average total loans | $62,663,670 | 4,105 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 3,855 |
| Cost of funding earning assets | 0.3410% | 4,055 |
| Net interest margin | 3.5866% | 3,233 |
| Noninterest income to average assets | 0.5937% | 2,293 |
| Noninterest expense to average assets | 3.1778% | 1,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7217% | 4,018 |
| Return on assets (ROA) | 0.7217% | 4,025 |
| Pretax return on assets | 0.7217% | 4,378 |
| Return on Equity (ROE) | 4.7447% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.7447% | 3,285 |
| Net charge-offs to loans | 0.0444% | 1,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 26.5714% | 1,320 |
| Efficiency ratio | 81.4925% | 1,002 |
| Assets per employee ($millions) | 3.4030% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 1,220 |
| Loan loss allowance to noncurrent loans | 78.3172% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.3576% | 1,080 |
| Noncurrent loans to loans | 2.0100% | 789 |
| Net loans and leases to total assets | 59.2865% | 3,821 |
| Net loans and leases to deposits | 68.9335% | 3,881 |
| Net loans and leases to core deposits | 70.0488% | 4,079 |
| Total domestic deposits to total assets | 86.0053% | 2,537 |
| Equity capital to assets | 13.9134% | 914 |
| Core capital (leverage) ratio | 13.1438% | 1,124 |
| Tier 1 risk-based capital ratio | 18.6488% | 1,650 |
| Total risk-based capital ratio | 19.9003% | 1,610 |
| Memoranda: | ||
| Average total assets | $103,089,000 | 4,174 |
| Average earning assets | $95,019,500 | 4,171 |
| Average equity | $15,680,500 | 3,628 |
| Average total loans | $63,026,500 | 4,129 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 3,826 |
| Cost of funding earning assets | 0.3062% | 4,075 |
| Net interest margin | 3.5635% | 3,292 |
| Noninterest income to average assets | 0.4967% | 3,020 |
| Noninterest expense to average assets | 3.0760% | 1,932 |
| Loan and lease loss provision to assets | 0.8617% | 133 |
| Net operating income to assets | -0.1646% | 5,441 |
| Return on assets (ROA) | -0.1646% | 5,442 |
| Pretax return on assets | -0.1617% | 5,487 |
| Return on Equity (ROE) | -0.9754% | 5,426 |
| Retained earnings to average equity (ytd only) | -2.4099% | 5,311 |
| Net charge-offs to loans | 1.0969% | 156 |
| Credit loss provision to net charge-offs | 120.2703% | 2,172 |
| Earnings coverage of net charge-offs (x) | 0.9770% | 3,942 |
| Efficiency ratio | 81.4615% | 971 |
| Assets per employee ($millions) | 3.4696% | 4,739 |
| Cash dividends to net income (ytd only)* | -147.0588% | 5,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 1,375 |
| Loan loss allowance to noncurrent loans | 82.5572% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.2864% | 1,132 |
| Noncurrent loans to loans | 1.8293% | 873 |
| Net loans and leases to total assets | 61.0871% | 3,723 |
| Net loans and leases to deposits | 73.2158% | 3,575 |
| Net loans and leases to core deposits | 74.4119% | 3,850 |
| Total domestic deposits to total assets | 83.4344% | 3,414 |
| Equity capital to assets | 16.4830% | 459 |
| Core capital (leverage) ratio | 15.5938% | 526 |
| Tier 1 risk-based capital ratio | 21.9938% | 1,019 |
| Total risk-based capital ratio | 23.2440% | 1,002 |
| Memoranda: | ||
| Average total assets | $103,284,200 | 4,181 |
| Average earning assets | $95,048,000 | 4,178 |
| Average equity | $17,428,000 | 3,443 |
| Average total loans | $67,465,600 | 4,021 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 3,821 |
| Cost of funding earning assets | 0.3032% | 4,097 |
| Net interest margin | 3.5499% | 3,321 |
| Noninterest income to average assets | 0.5135% | 2,950 |
| Noninterest expense to average assets | 3.0525% | 1,950 |
| Loan and lease loss provision to assets | 0.9830% | 107 |
| Net operating income to assets | -0.2548% | 5,595 |
| Return on assets (ROA) | -0.2548% | 5,596 |
| Pretax return on assets | -0.2509% | 5,586 |
| Return on Equity (ROE) | -1.5013% | 5,576 |
| Retained earnings to average equity (ytd only) | -2.6444% | 5,462 |
| Net charge-offs to loans | 1.2846% | 130 |
| Credit loss provision to net charge-offs | 115.6773% | 2,068 |
| Earnings coverage of net charge-offs (x) | 0.8615% | 3,622 |
| Efficiency ratio | 80.6562% | 1,030 |
| Assets per employee ($millions) | 3.1773% | 5,100 |
| Cash dividends to net income (ytd only)* | -76.1441% | 5,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,715 |
| Loan loss allowance to noncurrent loans | 71.3297% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.1195% | 594 |
| Noncurrent loans to loans | 2.0262% | 838 |
| Net loans and leases to total assets | 62.2407% | 3,626 |
| Net loans and leases to deposits | 75.1478% | 3,451 |
| Net loans and leases to core deposits | 76.4026% | 3,772 |
| Total domestic deposits to total assets | 82.8243% | 3,516 |
| Equity capital to assets | 17.1058% | 414 |
| Core capital (leverage) ratio | 16.0916% | 484 |
| Tier 1 risk-based capital ratio | 22.2671% | 1,018 |
| Total risk-based capital ratio | 23.5173% | 996 |
| Memoranda: | ||
| Average total assets | $103,083,000 | 4,228 |
| Average earning assets | $94,985,250 | 4,220 |
| Average equity | $17,495,750 | 3,463 |
| Average total loans | $68,192,000 | 4,038 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 3,733 |
| Cost of funding earning assets | 0.3003% | 4,079 |
| Net interest margin | 3.5463% | 3,230 |
| Noninterest income to average assets | 0.4828% | 3,129 |
| Noninterest expense to average assets | 3.0072% | 2,090 |
| Loan and lease loss provision to assets | 1.3848% | 71 |
| Net operating income to assets | -0.6528% | 5,699 |
| Return on assets (ROA) | -0.6528% | 5,696 |
| Pretax return on assets | -0.6470% | 5,692 |
| Return on Equity (ROE) | -3.8562% | 5,669 |
| Retained earnings to average equity (ytd only) | -4.9971% | 5,536 |
| Net charge-offs to loans | 1.4931% | 123 |
| Credit loss provision to net charge-offs | 138.1503% | 1,615 |
| Earnings coverage of net charge-offs (x) | 0.7360% | 3,350 |
| Efficiency ratio | 80.2991% | 1,179 |
| Assets per employee ($millions) | 3.2483% | 5,036 |
| Cash dividends to net income (ytd only)* | -29.5858% | 5,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5205% | 1,514 |
| Loan loss allowance to noncurrent loans | 21.9340% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 4.8383% | 114 |
| Noncurrent loans to loans | 6.9322% | 71 |
| Net loans and leases to total assets | 65.7990% | 3,136 |
| Net loans and leases to deposits | 79.5393% | 2,964 |
| Net loans and leases to core deposits | 80.3028% | 3,401 |
| Total domestic deposits to total assets | 82.7252% | 3,647 |
| Equity capital to assets | 17.1973% | 389 |
| Core capital (leverage) ratio | 15.5802% | 534 |
| Tier 1 risk-based capital ratio | 21.3605% | 1,137 |
| Total risk-based capital ratio | 22.6111% | 1,117 |
| Memoranda: | ||
| Average total assets | $103,553,000 | 4,247 |
| Average earning assets | $95,253,000 | 4,246 |
| Average equity | $17,530,330 | 3,463 |
| Average total loans | $69,519,330 | 4,027 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8025% | 3,758 |
| Cost of funding earning assets | 0.3040% | 4,004 |
| Net interest margin | 3.4985% | 3,277 |
| Noninterest income to average assets | 0.4953% | 3,012 |
| Noninterest expense to average assets | 3.1891% | 1,647 |
| Loan and lease loss provision to assets | 0.3429% | 355 |
| Net operating income to assets | 0.1524% | 5,458 |
| Return on assets (ROA) | 0.1524% | 5,467 |
| Pretax return on assets | 0.1638% | 5,472 |
| Return on Equity (ROE) | 0.9072% | 5,512 |
| Retained earnings to average equity (ytd only) | -1.3608% | 5,110 |
| Net charge-offs to loans | 0.5040% | 363 |
| Credit loss provision to net charge-offs | 101.1236% | 1,551 |
| Earnings coverage of net charge-offs (x) | 1.4944% | 2,723 |
| Efficiency ratio | 86.2887% | 787 |
| Assets per employee ($millions) | 3.5208% | 4,764 |
| Cash dividends to net income (ytd only)* | 250.0000% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 3,180 |
| Loan loss allowance to noncurrent loans | 15.9306% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 5.1400% | 107 |
| Noncurrent loans to loans | 7.4871% | 70 |
| Net loans and leases to total assets | 64.7832% | 3,147 |
| Net loans and leases to deposits | 77.8347% | 2,995 |
| Net loans and leases to core deposits | 79.0586% | 3,382 |
| Total domestic deposits to total assets | 83.2319% | 3,752 |
| Equity capital to assets | 16.6981% | 410 |
| Core capital (leverage) ratio | 15.5729% | 515 |
| Tier 1 risk-based capital ratio | 21.2109% | 1,194 |
| Total risk-based capital ratio | 22.2905% | 1,193 |
| Memoranda: | ||
| Average total assets | $104,981,500 | 4,267 |
| Average earning assets | $96,042,000 | 4,270 |
| Average equity | $17,637,000 | 3,461 |
| Average total loans | $70,639,000 | 4,036 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8979% | 3,577 |
| Cost of funding earning assets | 0.3183% | 3,862 |
| Net interest margin | 3.5796% | 3,141 |
| Noninterest income to average assets | 0.5800% | 2,761 |
| Noninterest expense to average assets | 2.9192% | 2,607 |
| Loan and lease loss provision to assets | 0.7132% | 165 |
| Net operating income to assets | 0.2206% | 5,377 |
| Return on assets (ROA) | 0.2206% | 5,442 |
| Pretax return on assets | 0.2311% | 5,456 |
| Return on Equity (ROE) | 1.2868% | 5,521 |
| Retained earnings to average equity (ytd only) | -0.9318% | 5,434 |
| Net charge-offs to loans | 0.9262% | 204 |
| Credit loss provision to net charge-offs | 110.2941% | 2,374 |
| Earnings coverage of net charge-offs (x) | 1.4603% | 3,983 |
| Efficiency ratio | 75.5599% | 2,053 |
| Assets per employee ($millions) | 3.4780% | 4,791 |
| Cash dividends to net income (ytd only)* | 172.4138% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 3,456 |
| Loan loss allowance to noncurrent loans | 15.8107% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 5.2243% | 113 |
| Noncurrent loans to loans | 7.2446% | 68 |
| Net loans and leases to total assets | 68.2394% | 2,735 |
| Net loans and leases to deposits | 82.1860% | 2,651 |
| Net loans and leases to core deposits | 83.5036% | 3,073 |
| Total domestic deposits to total assets | 83.0305% | 3,760 |
| Equity capital to assets | 16.9034% | 396 |
| Core capital (leverage) ratio | 15.6182% | 514 |
| Tier 1 risk-based capital ratio | 20.6548% | 1,267 |
| Total risk-based capital ratio | 21.7009% | 1,268 |
| Memoranda: | ||
| Average total assets | $105,167,000 | 4,253 |
| Average earning assets | $96,463,200 | 4,264 |
| Average equity | $18,029,600 | 3,403 |
| Average total loans | $73,421,000 | 3,955 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 3,398 |
| Cost of funding earning assets | 0.3186% | 3,888 |
| Net interest margin | 3.6360% | 2,939 |
| Noninterest income to average assets | 0.6187% | 2,571 |
| Noninterest expense to average assets | 2.8735% | 2,727 |
| Loan and lease loss provision to assets | 0.4429% | 302 |
| Net operating income to assets | 0.6390% | 4,126 |
| Return on assets (ROA) | 0.6390% | 4,252 |
| Pretax return on assets | 0.6529% | 4,732 |
| Return on Equity (ROE) | 3.7143% | 5,022 |
| Retained earnings to average equity (ytd only) | 1.5078% | 4,909 |
| Net charge-offs to loans | 0.1844% | 1,270 |
| Credit loss provision to net charge-offs | 343.1373% | 942 |
| Earnings coverage of net charge-offs (x) | 8.4900% | 2,759 |
| Efficiency ratio | 72.3940% | 2,518 |
| Assets per employee ($millions) | 3.4607% | 4,822 |
| Cash dividends to net income (ytd only)* | 59.4056% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 2,377 |
| Loan loss allowance to noncurrent loans | 17.3921% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 6.0026% | 100 |
| Noncurrent loans to loans | 7.8321% | 66 |
| Net loans and leases to total assets | 69.9563% | 2,493 |
| Net loans and leases to deposits | 84.9762% | 2,369 |
| Net loans and leases to core deposits | 86.6179% | 2,894 |
| Total domestic deposits to total assets | 82.3246% | 3,834 |
| Equity capital to assets | 17.6022% | 383 |
| Core capital (leverage) ratio | 16.2647% | 440 |
| Tier 1 risk-based capital ratio | 20.6793% | 1,324 |
| Total risk-based capital ratio | 21.9241% | 1,299 |
| Memoranda: | ||
| Average total assets | $105,373,750 | 4,289 |
| Average earning assets | $97,099,500 | 4,291 |
| Average equity | $18,127,750 | 3,411 |
| Average total loans | $73,769,750 | 3,978 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 3,566 |
| Cost of funding earning assets | 0.3189% | 3,909 |
| Net interest margin | 3.5936% | 3,120 |
| Noninterest income to average assets | 0.5987% | 2,629 |
| Noninterest expense to average assets | 2.7066% | 3,371 |
| Loan and lease loss provision to assets | 0.5194% | 242 |
| Net operating income to assets | 0.6724% | 3,950 |
| Return on assets (ROA) | 0.6724% | 4,087 |
| Pretax return on assets | 0.6932% | 4,636 |
| Return on Equity (ROE) | 3.9383% | 4,931 |
| Retained earnings to average equity (ytd only) | 1.7258% | 4,699 |
| Net charge-offs to loans | 0.0894% | 1,950 |
| Credit loss provision to net charge-offs | 833.3333% | 425 |
| Earnings coverage of net charge-offs (x) | 19.4545% | 1,777 |
| Efficiency ratio | 69.0602% | 3,141 |
| Assets per employee ($millions) | 3.4879% | 4,768 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 2,445 |
| Loan loss allowance to noncurrent loans | 17.1365% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 6.0046% | 106 |
| Noncurrent loans to loans | 7.9858% | 71 |
| Net loans and leases to total assets | 68.6733% | 2,684 |
| Net loans and leases to deposits | 83.2275% | 2,559 |
| Net loans and leases to core deposits | 84.8190% | 3,006 |
| Total domestic deposits to total assets | 82.5127% | 3,835 |
| Equity capital to assets | 17.4156% | 384 |
| Core capital (leverage) ratio | 15.8648% | 483 |
| Tier 1 risk-based capital ratio | 21.0457% | 1,261 |
| Total risk-based capital ratio | 22.2949% | 1,248 |
| Memoranda: | ||
| Average total assets | $105,891,000 | 4,314 |
| Average earning assets | $97,839,330 | 4,308 |
| Average equity | $18,078,670 | 3,431 |
| Average total loans | $73,815,330 | 4,001 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 2,877 |
| Cost of funding earning assets | 0.3210% | 3,936 |
| Net interest margin | 3.7704% | 2,403 |
| Noninterest income to average assets | 0.5332% | 2,910 |
| Noninterest expense to average assets | 2.8164% | 3,010 |
| Loan and lease loss provision to assets | 0.7510% | 139 |
| Net operating income to assets | 0.4093% | 4,968 |
| Return on assets (ROA) | 0.4093% | 5,045 |
| Pretax return on assets | 0.4506% | 5,211 |
| Return on Equity (ROE) | 2.4213% | 5,395 |
| Retained earnings to average equity (ytd only) | 0.1999% | 5,057 |
| Net charge-offs to loans | 0.0485% | 2,072 |
| Credit loss provision to net charge-offs | 2,222.2222% | 191 |
| Earnings coverage of net charge-offs (x) | 35.5556% | 1,079 |
| Efficiency ratio | 70.0935% | 3,107 |
| Assets per employee ($millions) | 3.4090% | 4,956 |
| Cash dividends to net income (ytd only)* | 91.7431% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 3,041 |
| Loan loss allowance to noncurrent loans | 16.4579% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 5.9085% | 121 |
| Noncurrent loans to loans | 7.7328% | 76 |
| Net loans and leases to total assets | 69.4440% | 2,432 |
| Net loans and leases to deposits | 83.8239% | 2,319 |
| Net loans and leases to core deposits | 85.4022% | 2,799 |
| Total domestic deposits to total assets | 82.8451% | 3,952 |
| Equity capital to assets | 17.0802% | 414 |
| Core capital (leverage) ratio | 15.8093% | 499 |
| Tier 1 risk-based capital ratio | 20.4753% | 1,410 |
| Total risk-based capital ratio | 21.6516% | 1,396 |
| Memoranda: | ||
| Average total assets | $106,518,500 | 4,334 |
| Average earning assets | $98,451,500 | 4,330 |
| Average equity | $18,006,500 | 3,438 |
| Average total loans | $74,296,000 | 4,012 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 2,898 |
| Cost of funding earning assets | 0.3524% | 3,677 |
| Net interest margin | 3.7517% | 2,546 |
| Noninterest income to average assets | 0.9205% | 1,377 |
| Noninterest expense to average assets | 3.3254% | 1,655 |
| Loan and lease loss provision to assets | 0.4212% | 308 |
| Net operating income to assets | 0.6385% | 4,095 |
| Return on assets (ROA) | 0.6420% | 4,163 |
| Pretax return on assets | 0.6420% | 4,698 |
| Return on Equity (ROE) | 4.0141% | 4,939 |
| Retained earnings to average equity (ytd only) | 0.4158% | 5,351 |
| Net charge-offs to loans | 0.5670% | 433 |
| Credit loss provision to net charge-offs | 109.1954% | 2,306 |
| Earnings coverage of net charge-offs (x) | 2.7471% | 3,836 |
| Efficiency ratio | 71.7897% | 2,941 |
| Assets per employee ($millions) | 3.4632% | 4,888 |
| Cash dividends to net income (ytd only)* | 89.6409% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 4,511 |
| Loan loss allowance to noncurrent loans | 32.2085% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 2.6593% | 561 |
| Noncurrent loans to loans | 3.1525% | 491 |
| Net loans and leases to total assets | 68.4665% | 2,632 |
| Net loans and leases to deposits | 82.3004% | 2,551 |
| Net loans and leases to core deposits | 84.1943% | 2,949 |
| Total domestic deposits to total assets | 83.1910% | 3,775 |
| Equity capital to assets | 16.7317% | 436 |
| Core capital (leverage) ratio | 15.6241% | 515 |
| Tier 1 risk-based capital ratio | 20.9836% | 1,305 |
| Total risk-based capital ratio | 21.9450% | 1,321 |
| Memoranda: | ||
| Average total assets | $112,766,800 | 4,200 |
| Average earning assets | $104,140,600 | 4,185 |
| Average equity | $18,036,400 | 3,380 |
| Average total loans | $76,725,800 | 3,919 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0985% | 2,945 |
| Cost of funding earning assets | 0.3604% | 3,648 |
| Net interest margin | 3.7381% | 2,620 |
| Noninterest income to average assets | 1.0398% | 1,103 |
| Noninterest expense to average assets | 3.1312% | 2,135 |
| Loan and lease loss provision to assets | 0.3213% | 435 |
| Net operating income to assets | 1.0410% | 2,266 |
| Return on assets (ROA) | 1.0410% | 2,361 |
| Pretax return on assets | 1.0410% | 3,452 |
| Return on Equity (ROE) | 6.5798% | 3,849 |
| Retained earnings to average equity (ytd only) | 4.3644% | 3,367 |
| Net charge-offs to loans | 0.3724% | 697 |
| Credit loss provision to net charge-offs | 127.3148% | 1,903 |
| Earnings coverage of net charge-offs (x) | 5.3982% | 3,209 |
| Efficiency ratio | 69.6828% | 3,258 |
| Assets per employee ($millions) | 3.4794% | 4,828 |
| Cash dividends to net income (ytd only)* | 33.6700% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 4,811 |
| Loan loss allowance to noncurrent loans | 42.9761% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 2.2065% | 861 |
| Noncurrent loans to loans | 2.2971% | 931 |
| Net loans and leases to total assets | 71.9707% | 2,060 |
| Net loans and leases to deposits | 89.9744% | 1,656 |
| Net loans and leases to core deposits | 92.1183% | 2,248 |
| Total domestic deposits to total assets | 79.9902% | 4,756 |
| Equity capital to assets | 17.1775% | 418 |
| Core capital (leverage) ratio | 14.9323% | 648 |
| Tier 1 risk-based capital ratio | 20.5821% | 1,422 |
| Total risk-based capital ratio | 21.5319% | 1,450 |
| Memoranda: | ||
| Average total assets | $114,118,750 | 4,217 |
| Average earning assets | $105,434,750 | 4,198 |
| Average equity | $18,054,750 | 3,403 |
| Average total loans | $77,342,500 | 3,940 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 3,503 |
| Cost of funding earning assets | 0.3602% | 3,698 |
| Net interest margin | 3.5867% | 3,143 |
| Noninterest income to average assets | 0.6403% | 2,526 |
| Noninterest expense to average assets | 3.0670% | 2,345 |
| Loan and lease loss provision to assets | 0.3872% | 316 |
| Net operating income to assets | 0.4940% | 4,797 |
| Return on assets (ROA) | 0.4940% | 4,901 |
| Pretax return on assets | 0.4940% | 5,242 |
| Return on Equity (ROE) | 3.2072% | 5,335 |
| Retained earnings to average equity (ytd only) | 0.9722% | 5,179 |
| Net charge-offs to loans | 0.3611% | 720 |
| Credit loss provision to net charge-offs | 161.8705% | 1,458 |
| Earnings coverage of net charge-offs (x) | 3.6835% | 3,153 |
| Efficiency ratio | 77.6809% | 2,112 |
| Assets per employee ($millions) | 3.6665% | 4,503 |
| Cash dividends to net income (ytd only)* | 69.6864% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 4,730 |
| Loan loss allowance to noncurrent loans | 41.7537% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 1.9241% | 1,167 |
| Noncurrent loans to loans | 2.4580% | 914 |
| Net loans and leases to total assets | 67.8755% | 2,662 |
| Net loans and leases to deposits | 80.6372% | 2,704 |
| Net loans and leases to core deposits | 82.5845% | 3,120 |
| Total domestic deposits to total assets | 84.1740% | 3,493 |
| Equity capital to assets | 15.7697% | 555 |
| Core capital (leverage) ratio | 14.2156% | 783 |
| Tier 1 risk-based capital ratio | 19.9774% | 1,546 |
| Total risk-based capital ratio | 20.9597% | 1,578 |
| Memoranda: | ||
| Average total assets | $116,204,330 | 4,218 |
| Average earning assets | $107,174,000 | 4,200 |
| Average equity | $17,897,000 | 3,435 |
| Average total loans | $76,989,000 | 3,976 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,606 |
| Cost of funding earning assets | 0.3577% | 3,775 |
| Net interest margin | 3.5438% | 3,243 |
| Noninterest income to average assets | 0.5822% | 2,754 |
| Noninterest expense to average assets | 2.9759% | 2,658 |
| Loan and lease loss provision to assets | 0.5107% | 199 |
| Net operating income to assets | 0.3677% | 5,192 |
| Return on assets (ROA) | 0.3677% | 5,314 |
| Pretax return on assets | 0.3677% | 5,502 |
| Return on Equity (ROE) | 2.4156% | 5,569 |
| Retained earnings to average equity (ytd only) | 0.1789% | 5,311 |
| Net charge-offs to loans | 0.4339% | 567 |
| Credit loss provision to net charge-offs | 180.7229% | 1,124 |
| Earnings coverage of net charge-offs (x) | 3.1084% | 2,651 |
| Efficiency ratio | 77.2085% | 2,308 |
| Assets per employee ($millions) | 3.7985% | 4,342 |
| Cash dividends to net income (ytd only)* | 92.5926% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 4,927 |
| Loan loss allowance to noncurrent loans | 36.8694% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 1.8811% | 1,290 |
| Noncurrent loans to loans | 2.7611% | 840 |
| Net loans and leases to total assets | 64.5730% | 3,012 |
| Net loans and leases to deposits | 76.2419% | 3,026 |
| Net loans and leases to core deposits | 78.4054% | 3,334 |
| Total domestic deposits to total assets | 84.6950% | 3,542 |
| Equity capital to assets | 15.2498% | 669 |
| Core capital (leverage) ratio | 13.8935% | 856 |
| Tier 1 risk-based capital ratio | 20.3586% | 1,550 |
| Total risk-based capital ratio | 21.3420% | 1,561 |
| Memoranda: | ||
| Average total assets | $117,476,000 | 4,225 |
| Average earning assets | $108,472,000 | 4,205 |
| Average equity | $17,883,500 | 3,468 |
| Average total loans | $76,509,500 | 4,002 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 3,374 |
| Cost of funding earning assets | 0.3900% | 3,794 |
| Net interest margin | 3.6967% | 3,022 |
| Noninterest income to average assets | 0.5828% | 2,966 |
| Noninterest expense to average assets | 3.0944% | 2,532 |
| Loan and lease loss provision to assets | 0.5451% | 268 |
| Net operating income to assets | 0.3380% | 5,413 |
| Return on assets (ROA) | 0.3396% | 5,475 |
| Pretax return on assets | 0.3472% | 5,607 |
| Return on Equity (ROE) | 2.2450% | 5,706 |
| Retained earnings to average equity (ytd only) | -0.8038% | 5,895 |
| Net charge-offs to loans | 1.2787% | 206 |
| Credit loss provision to net charge-offs | 63.2296% | 3,227 |
| Earnings coverage of net charge-offs (x) | 1.0331% | 4,509 |
| Efficiency ratio | 77.6515% | 2,257 |
| Assets per employee ($millions) | 3.5515% | 4,821 |
| Cash dividends to net income (ytd only)* | 135.8025% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 5,346 |
| Loan loss allowance to noncurrent loans | 25.7205% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 2.4437% | 950 |
| Noncurrent loans to loans | 3.6430% | 544 |
| Net loans and leases to total assets | 64.4087% | 3,158 |
| Net loans and leases to deposits | 76.0299% | 3,196 |
| Net loans and leases to core deposits | 78.6544% | 3,446 |
| Total domestic deposits to total assets | 84.7150% | 3,411 |
| Equity capital to assets | 15.1962% | 670 |
| Core capital (leverage) ratio | 14.0246% | 809 |
| Tier 1 risk-based capital ratio | 20.6408% | 1,484 |
| Total risk-based capital ratio | 21.5516% | 1,503 |
| Memoranda: | ||
| Average total assets | $119,249,600 | 4,196 |
| Average earning assets | $109,747,800 | 4,190 |
| Average equity | $18,040,200 | 3,389 |
| Average total loans | $80,392,200 | 3,865 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 3,454 |
| Cost of funding earning assets | 0.3941% | 3,856 |
| Net interest margin | 3.6860% | 3,083 |
| Noninterest income to average assets | 0.5544% | 3,174 |
| Noninterest expense to average assets | 2.9447% | 2,975 |
| Loan and lease loss provision to assets | 0.1113% | 2,184 |
| Net operating income to assets | 0.8829% | 3,002 |
| Return on assets (ROA) | 0.8851% | 3,091 |
| Pretax return on assets | 0.8951% | 4,010 |
| Return on Equity (ROE) | 5.8569% | 4,310 |
| Retained earnings to average equity (ytd only) | 3.6468% | 4,054 |
| Net charge-offs to loans | 0.0622% | 3,320 |
| Credit loss provision to net charge-offs | 263.1579% | 1,010 |
| Earnings coverage of net charge-offs (x) | 23.7348% | 1,575 |
| Efficiency ratio | 74.5701% | 2,724 |
| Assets per employee ($millions) | 3.4026% | 5,043 |
| Cash dividends to net income (ytd only)* | 37.7360% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 3,042 |
| Loan loss allowance to noncurrent loans | 25.1853% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 4.0289% | 487 |
| Noncurrent loans to loans | 5.6701% | 271 |
| Net loans and leases to total assets | 68.9138% | 2,383 |
| Net loans and leases to deposits | 82.0343% | 2,421 |
| Net loans and leases to core deposits | 85.2920% | 2,745 |
| Total domestic deposits to total assets | 84.0061% | 3,763 |
| Equity capital to assets | 15.9040% | 581 |
| Core capital (leverage) ratio | 14.4970% | 726 |
| Tier 1 risk-based capital ratio | 20.0807% | 1,654 |
| Total risk-based capital ratio | 21.3234% | 1,625 |
| Memoranda: | ||
| Average total assets | $119,762,000 | 4,224 |
| Average earning assets | $110,289,750 | 4,212 |
| Average equity | $18,097,750 | 3,406 |
| Average total loans | $81,440,000 | 3,862 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0391% | 3,589 |
| Cost of funding earning assets | 0.3944% | 3,923 |
| Net interest margin | 3.6447% | 3,170 |
| Noninterest income to average assets | 0.5185% | 3,351 |
| Noninterest expense to average assets | 2.9029% | 3,153 |
| Loan and lease loss provision to assets | 0.1651% | 1,484 |
| Net operating income to assets | 0.7927% | 3,369 |
| Return on assets (ROA) | 0.7959% | 3,455 |
| Pretax return on assets | 0.8108% | 4,230 |
| Return on Equity (ROE) | 5.3564% | 4,506 |
| Retained earnings to average equity (ytd only) | 3.1338% | 4,214 |
| Net charge-offs to loans | 0.0784% | 2,911 |
| Credit loss provision to net charge-offs | 312.5000% | 827 |
| Earnings coverage of net charge-offs (x) | 18.4063% | 1,689 |
| Efficiency ratio | 74.9041% | 2,822 |
| Assets per employee ($millions) | 3.5172% | 4,810 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 3,120 |
| Loan loss allowance to noncurrent loans | 24.8024% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 3.9395% | 547 |
| Noncurrent loans to loans | 5.8362% | 282 |
| Net loans and leases to total assets | 66.1000% | 2,736 |
| Net loans and leases to deposits | 78.0714% | 2,794 |
| Net loans and leases to core deposits | 81.0410% | 3,094 |
| Total domestic deposits to total assets | 84.6660% | 3,652 |
| Equity capital to assets | 15.2219% | 654 |
| Core capital (leverage) ratio | 13.9314% | 855 |
| Tier 1 risk-based capital ratio | 19.8328% | 1,725 |
| Total risk-based capital ratio | 21.0723% | 1,695 |
| Memoranda: | ||
| Average total assets | $121,120,000 | 4,212 |
| Average earning assets | $111,560,000 | 4,201 |
| Average equity | $17,997,330 | 3,417 |
| Average total loans | $81,626,670 | 3,859 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 3,247 |
| Cost of funding earning assets | 0.3972% | 4,006 |
| Net interest margin | 3.7104% | 2,824 |
| Noninterest income to average assets | 0.4890% | 3,503 |
| Noninterest expense to average assets | 2.6615% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2077% | 1,464 |
| Return on assets (ROA) | 1.2077% | 1,529 |
| Pretax return on assets | 1.2306% | 2,347 |
| Return on Equity (ROE) | 8.2260% | 2,827 |
| Retained earnings to average equity (ytd only) | 5.9907% | 2,549 |
| Net charge-offs to loans | 0.0389% | 2,839 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 46.8750% | 790 |
| Efficiency ratio | 68.3811% | 4,116 |
| Assets per employee ($millions) | 3.5970% | 4,730 |
| Cash dividends to net income (ytd only)* | 27.1739% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 3,908 |
| Loan loss allowance to noncurrent loans | 42.9703% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 2.1120% | 1,586 |
| Noncurrent loans to loans | 3.1174% | 1,005 |
| Net loans and leases to total assets | 65.3407% | 2,667 |
| Net loans and leases to deposits | 76.7748% | 2,717 |
| Net loans and leases to core deposits | 79.4865% | 3,036 |
| Total domestic deposits to total assets | 85.1070% | 3,819 |
| Equity capital to assets | 14.7777% | 716 |
| Core capital (leverage) ratio | 13.8020% | 888 |
| Tier 1 risk-based capital ratio | 19.4153% | 1,852 |
| Total risk-based capital ratio | 20.6484% | 1,833 |
| Memoranda: | ||
| Average total assets | $121,888,000 | 4,236 |
| Average earning assets | $111,795,000 | 4,223 |
| Average equity | $17,894,500 | 3,438 |
| Average total loans | $82,337,000 | 3,877 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3253% | 2,863 |
| Cost of funding earning assets | 0.4596% | 4,027 |
| Net interest margin | 3.8657% | 2,411 |
| Noninterest income to average assets | 0.5689% | 3,278 |
| Noninterest expense to average assets | 2.8479% | 3,539 |
| Loan and lease loss provision to assets | 0.4029% | 741 |
| Net operating income to assets | 0.8421% | 3,077 |
| Return on assets (ROA) | 0.8421% | 3,156 |
| Pretax return on assets | 0.8494% | 3,964 |
| Return on Equity (ROE) | 5.8111% | 4,204 |
| Retained earnings to average equity (ytd only) | 1.9185% | 4,865 |
| Net charge-offs to loans | 0.5469% | 1,213 |
| Credit loss provision to net charge-offs | 107.2961% | 2,236 |
| Earnings coverage of net charge-offs (x) | 3.3348% | 3,885 |
| Efficiency ratio | 65.9002% | 4,580 |
| Assets per employee ($millions) | 3.6811% | 4,522 |
| Cash dividends to net income (ytd only)* | 66.9856% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 4,111 |
| Loan loss allowance to noncurrent loans | 56.2243% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 1.6316% | 2,270 |
| Noncurrent loans to loans | 2.3232% | 1,655 |
| Net loans and leases to total assets | 67.9841% | 2,362 |
| Net loans and leases to deposits | 79.6853% | 2,495 |
| Net loans and leases to core deposits | 82.7804% | 2,799 |
| Total domestic deposits to total assets | 85.3157% | 3,589 |
| Equity capital to assets | 14.5838% | 764 |
| Core capital (leverage) ratio | 13.4613% | 969 |
| Tier 1 risk-based capital ratio | 18.7307% | 1,999 |
| Total risk-based capital ratio | 19.9640% | 1,968 |
| Memoranda: | ||
| Average total assets | $124,092,800 | 4,180 |
| Average earning assets | $113,356,800 | 4,193 |
| Average equity | $17,982,800 | 3,419 |
| Average total loans | $85,210,000 | 3,790 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 2,956 |
| Cost of funding earning assets | 0.4715% | 4,054 |
| Net interest margin | 3.8348% | 2,521 |
| Noninterest income to average assets | 0.5483% | 3,473 |
| Noninterest expense to average assets | 2.5363% | 4,594 |
| Loan and lease loss provision to assets | 0.3206% | 1,045 |
| Net operating income to assets | 1.1853% | 1,679 |
| Return on assets (ROA) | 1.1853% | 1,752 |
| Pretax return on assets | 1.1949% | 2,720 |
| Return on Equity (ROE) | 8.1921% | 3,022 |
| Retained earnings to average equity (ytd only) | 6.7147% | 2,022 |
| Net charge-offs to loans | 0.0872% | 3,700 |
| Credit loss provision to net charge-offs | 535.7143% | 527 |
| Earnings coverage of net charge-offs (x) | 25.3231% | 1,389 |
| Efficiency ratio | 62.5956% | 5,054 |
| Assets per employee ($millions) | 3.7052% | 4,442 |
| Cash dividends to net income (ytd only)* | 18.0343% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 3,375 |
| Loan loss allowance to noncurrent loans | 63.9980% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.6962% | 2,425 |
| Noncurrent loans to loans | 2.3730% | 1,853 |
| Net loans and leases to total assets | 69.1055% | 2,119 |
| Net loans and leases to deposits | 81.3737% | 2,217 |
| Net loans and leases to core deposits | 84.7384% | 2,572 |
| Total domestic deposits to total assets | 84.9237% | 3,782 |
| Equity capital to assets | 14.9594% | 720 |
| Core capital (leverage) ratio | 13.7701% | 930 |
| Tier 1 risk-based capital ratio | 18.8935% | 2,021 |
| Total risk-based capital ratio | 20.1395% | 1,984 |
| Memoranda: | ||
| Average total assets | $124,746,750 | 4,207 |
| Average earning assets | $113,970,000 | 4,225 |
| Average equity | $18,049,500 | 3,450 |
| Average total loans | $85,593,000 | 3,823 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 2,933 |
| Cost of funding earning assets | 0.4894% | 3,994 |
| Net interest margin | 3.8172% | 2,487 |
| Noninterest income to average assets | 0.5399% | 3,571 |
| Noninterest expense to average assets | 2.3938% | 5,073 |
| Loan and lease loss provision to assets | 0.4778% | 590 |
| Net operating income to assets | 1.1197% | 1,867 |
| Return on assets (ROA) | 1.1197% | 1,979 |
| Pretax return on assets | 1.1340% | 2,956 |
| Return on Equity (ROE) | 7.8246% | 3,176 |
| Retained earnings to average equity (ytd only) | 6.7116% | 2,034 |
| Net charge-offs to loans | 0.3765% | 1,701 |
| Credit loss provision to net charge-offs | 186.3354% | 1,280 |
| Earnings coverage of net charge-offs (x) | 6.2857% | 2,741 |
| Efficiency ratio | 59.7614% | 5,514 |
| Assets per employee ($millions) | 3.6119% | 4,591 |
| Cash dividends to net income (ytd only)* | 14.2248% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 3,970 |
| Loan loss allowance to noncurrent loans | 59.1807% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.7019% | 2,556 |
| Noncurrent loans to loans | 2.3894% | 1,966 |
| Net loans and leases to total assets | 68.0697% | 2,216 |
| Net loans and leases to deposits | 79.9497% | 2,327 |
| Net loans and leases to core deposits | 83.2020% | 2,665 |
| Total domestic deposits to total assets | 85.1407% | 3,826 |
| Equity capital to assets | 14.7567% | 772 |
| Core capital (leverage) ratio | 13.3167% | 1,047 |
| Tier 1 risk-based capital ratio | 18.6942% | 2,085 |
| Total risk-based capital ratio | 19.9364% | 2,052 |
| Memoranda: | ||
| Average total assets | $125,572,000 | 4,229 |
| Average earning assets | $114,009,330 | 4,257 |
| Average equity | $17,969,000 | 3,488 |
| Average total loans | $85,524,330 | 3,836 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2711% | 3,018 |
| Cost of funding earning assets | 0.5107% | 3,962 |
| Net interest margin | 3.7604% | 2,610 |
| Noninterest income to average assets | 0.5325% | 3,551 |
| Noninterest expense to average assets | 2.5395% | 4,615 |
| Loan and lease loss provision to assets | 0.3151% | 1,080 |
| Net operating income to assets | 1.0366% | 2,084 |
| Return on assets (ROA) | 1.0366% | 2,193 |
| Pretax return on assets | 1.0649% | 3,089 |
| Return on Equity (ROE) | 7.3550% | 3,286 |
| Retained earnings to average equity (ytd only) | 6.2373% | 2,544 |
| Net charge-offs to loans | 0.5635% | 1,080 |
| Credit loss provision to net charge-offs | 82.6446% | 2,128 |
| Earnings coverage of net charge-offs (x) | 3.6198% | 2,723 |
| Efficiency ratio | 64.7910% | 4,866 |
| Assets per employee ($millions) | 3.8716% | 4,208 |
| Cash dividends to net income (ytd only)* | 15.1976% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 5,079 |
| Loan loss allowance to noncurrent loans | 45.2091% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 1.8323% | 2,567 |
| Noncurrent loans to loans | 2.7034% | 1,894 |
| Net loans and leases to total assets | 65.6627% | 2,433 |
| Net loans and leases to deposits | 76.5522% | 2,542 |
| Net loans and leases to core deposits | 79.5140% | 2,866 |
| Total domestic deposits to total assets | 85.7751% | 3,650 |
| Equity capital to assets | 14.1130% | 994 |
| Core capital (leverage) ratio | 12.7842% | 1,200 |
| Tier 1 risk-based capital ratio | 18.2882% | 2,266 |
| Total risk-based capital ratio | 19.4687% | 2,249 |
| Memoranda: | ||
| Average total assets | $126,955,500 | 4,243 |
| Average earning assets | $114,350,000 | 4,273 |
| Average equity | $17,892,500 | 3,538 |
| Average total loans | $85,890,500 | 3,842 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 2,382 |
| Cost of funding earning assets | 0.6080% | 4,267 |
| Net interest margin | 4.1467% | 1,834 |
| Noninterest income to average assets | 0.5668% | 3,466 |
| Noninterest expense to average assets | 3.1508% | 2,767 |
| Loan and lease loss provision to assets | 0.4107% | 1,567 |
| Net operating income to assets | 0.7138% | 3,676 |
| Return on assets (ROA) | 0.7138% | 3,932 |
| Pretax return on assets | 0.7138% | 4,624 |
| Return on Equity (ROE) | 4.8358% | 4,759 |
| Retained earnings to average equity (ytd only) | 0.9405% | 5,401 |
| Net charge-offs to loans | 0.5239% | 2,156 |
| Credit loss provision to net charge-offs | 112.1076% | 2,601 |
| Earnings coverage of net charge-offs (x) | 3.0695% | 3,902 |
| Efficiency ratio | 69.8559% | 3,846 |
| Assets per employee ($millions) | 3.6043% | 4,770 |
| Cash dividends to net income (ytd only)* | 80.5524% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 5,026 |
| Loan loss allowance to noncurrent loans | 39.0343% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 2.1863% | 2,242 |
| Noncurrent loans to loans | 3.1237% | 1,658 |
| Net loans and leases to total assets | 68.0085% | 2,180 |
| Net loans and leases to deposits | 79.2734% | 2,374 |
| Net loans and leases to core deposits | 83.3652% | 2,625 |
| Total domestic deposits to total assets | 85.7898% | 3,464 |
| Equity capital to assets | 14.0738% | 1,021 |
| Core capital (leverage) ratio | 12.9062% | 1,146 |
| Tier 1 risk-based capital ratio | 17.8045% | 2,333 |
| Total risk-based capital ratio | 18.9978% | 2,321 |
| Memoranda: | ||
| Average total assets | $121,746,600 | 4,321 |
| Average earning assets | $108,883,000 | 4,371 |
| Average equity | $17,970,000 | 3,470 |
| Average total loans | $85,130,000 | 3,873 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7936% | 2,415 |
| Cost of funding earning assets | 0.6221% | 4,434 |
| Net interest margin | 4.1715% | 1,826 |
| Noninterest income to average assets | 0.5526% | 3,597 |
| Noninterest expense to average assets | 2.8800% | 3,672 |
| Loan and lease loss provision to assets | 0.4144% | 1,544 |
| Net operating income to assets | 0.9858% | 2,581 |
| Return on assets (ROA) | 0.9858% | 2,807 |
| Pretax return on assets | 0.9858% | 3,771 |
| Return on Equity (ROE) | 6.5984% | 4,015 |
| Retained earnings to average equity (ytd only) | 5.4888% | 3,046 |
| Net charge-offs to loans | 0.1999% | 3,530 |
| Credit loss provision to net charge-offs | 295.2756% | 918 |
| Earnings coverage of net charge-offs (x) | 9.9763% | 2,244 |
| Efficiency ratio | 67.2863% | 4,213 |
| Assets per employee ($millions) | 3.6642% | 4,618 |
| Cash dividends to net income (ytd only)* | 16.8166% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 4,150 |
| Loan loss allowance to noncurrent loans | 41.8085% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 2.5158% | 2,104 |
| Noncurrent loans to loans | 3.4712% | 1,565 |
| Net loans and leases to total assets | 70.3673% | 1,841 |
| Net loans and leases to deposits | 83.8748% | 1,885 |
| Net loans and leases to core deposits | 87.9060% | 2,229 |
| Total domestic deposits to total assets | 83.8956% | 4,272 |
| Equity capital to assets | 15.1798% | 780 |
| Core capital (leverage) ratio | 13.6565% | 958 |
| Tier 1 risk-based capital ratio | 18.4175% | 2,193 |
| Total risk-based capital ratio | 19.6702% | 2,166 |
| Memoranda: | ||
| Average total assets | $120,646,000 | 4,386 |
| Average earning assets | $107,808,000 | 4,444 |
| Average equity | $18,024,000 | 3,496 |
| Average total loans | $84,699,750 | 3,932 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8077% | 2,476 |
| Cost of funding earning assets | 0.6294% | 4,633 |
| Net interest margin | 4.1783% | 1,812 |
| Noninterest income to average assets | 0.5425% | 3,640 |
| Noninterest expense to average assets | 2.8667% | 3,757 |
| Loan and lease loss provision to assets | 0.4977% | 1,276 |
| Net operating income to assets | 0.9224% | 2,797 |
| Return on assets (ROA) | 0.9224% | 3,058 |
| Pretax return on assets | 0.9224% | 3,994 |
| Return on Equity (ROE) | 6.2075% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.0911% | 3,232 |
| Net charge-offs to loans | 0.0404% | 4,810 |
| Credit loss provision to net charge-offs | 1,764.7059% | 181 |
| Earnings coverage of net charge-offs (x) | 50.3529% | 728 |
| Efficiency ratio | 66.8731% | 4,342 |
| Assets per employee ($millions) | 3.7048% | 4,511 |
| Cash dividends to net income (ytd only)* | 17.9856% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 4,129 |
| Loan loss allowance to noncurrent loans | 42.1880% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 2.5381% | 2,204 |
| Noncurrent loans to loans | 3.5003% | 1,638 |
| Net loans and leases to total assets | 70.2874% | 1,871 |
| Net loans and leases to deposits | 83.3692% | 1,937 |
| Net loans and leases to core deposits | 87.6607% | 2,244 |
| Total domestic deposits to total assets | 84.3086% | 4,188 |
| Equity capital to assets | 14.7704% | 841 |
| Core capital (leverage) ratio | 13.3531% | 1,034 |
| Tier 1 risk-based capital ratio | 18.2033% | 2,224 |
| Total risk-based capital ratio | 19.4556% | 2,200 |
| Memoranda: | ||
| Average total assets | $120,555,670 | 4,412 |
| Average earning assets | $108,034,000 | 4,459 |
| Average equity | $17,913,670 | 3,510 |
| Average total loans | $84,153,330 | 3,968 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 2,731 |
| Cost of funding earning assets | 0.6409% | 4,816 |
| Net interest margin | 4.1358% | 1,976 |
| Noninterest income to average assets | 0.5246% | 3,746 |
| Noninterest expense to average assets | 2.7000% | 4,425 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5338% | 968 |
| Return on assets (ROA) | 1.5338% | 1,086 |
| Pretax return on assets | 1.5338% | 1,789 |
| Return on Equity (ROE) | 10.2906% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.1696% | 1,524 |
| Net charge-offs to loans | -0.0823% | 6,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7727% | 4,963 |
| Assets per employee ($millions) | 3.7233% | 4,599 |
| Cash dividends to net income (ytd only)* | 10.8932% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 5,326 |
| Loan loss allowance to noncurrent loans | 29.6920% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 2.8819% | 2,016 |
| Noncurrent loans to loans | 4.1716% | 1,448 |
| Net loans and leases to total assets | 66.3219% | 2,413 |
| Net loans and leases to deposits | 78.5800% | 2,401 |
| Net loans and leases to core deposits | 82.6938% | 2,729 |
| Total domestic deposits to total assets | 84.4005% | 4,320 |
| Equity capital to assets | 14.6823% | 812 |
| Core capital (leverage) ratio | 13.5417% | 933 |
| Tier 1 risk-based capital ratio | 19.7177% | 1,775 |
| Total risk-based capital ratio | 20.9674% | 1,751 |
| Memoranda: | ||
| Average total assets | $119,704,500 | 4,455 |
| Average earning assets | $107,356,000 | 4,504 |
| Average equity | $17,841,500 | 3,526 |
| Average total loans | $82,620,000 | 4,049 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8815% | 3,451 |
| Cost of funding earning assets | 0.8198% | 4,708 |
| Net interest margin | 4.0617% | 2,596 |
| Noninterest income to average assets | 0.5541% | 3,482 |
| Noninterest expense to average assets | 3.1253% | 3,112 |
| Loan and lease loss provision to assets | 0.4211% | 2,488 |
| Net operating income to assets | 0.6670% | 3,649 |
| Return on assets (ROA) | 0.6670% | 3,838 |
| Pretax return on assets | 0.6670% | 4,449 |
| Return on Equity (ROE) | 4.5052% | 4,627 |
| Retained earnings to average equity (ytd only) | 2.2299% | 4,624 |
| Net charge-offs to loans | 0.3866% | 3,478 |
| Credit loss provision to net charge-offs | 159.2357% | 1,740 |
| Earnings coverage of net charge-offs (x) | 4.1146% | 3,258 |
| Efficiency ratio | 74.1755% | 3,206 |
| Assets per employee ($millions) | 3.5315% | 4,939 |
| Cash dividends to net income (ytd only)* | 50.5051% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 5,318 |
| Loan loss allowance to noncurrent loans | 39.1660% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 2.2507% | 2,676 |
| Noncurrent loans to loans | 3.1017% | 2,083 |
| Net loans and leases to total assets | 70.1253% | 2,008 |
| Net loans and leases to deposits | 83.6000% | 1,970 |
| Net loans and leases to core deposits | 87.4662% | 2,440 |
| Total domestic deposits to total assets | 83.8819% | 4,365 |
| Equity capital to assets | 15.1390% | 744 |
| Core capital (leverage) ratio | 13.4122% | 1,002 |
| Tier 1 risk-based capital ratio | 18.4349% | 2,066 |
| Total risk-based capital ratio | 19.6354% | 2,045 |
| Memoranda: | ||
| Average total assets | $118,742,000 | 4,437 |
| Average earning assets | $106,975,200 | 4,479 |
| Average equity | $17,579,600 | 3,492 |
| Average total loans | $81,221,000 | 4,109 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 3,667 |
| Cost of funding earning assets | 0.8606% | 4,704 |
| Net interest margin | 4.0129% | 2,861 |
| Noninterest income to average assets | 0.5309% | 3,646 |
| Noninterest expense to average assets | 2.7987% | 4,350 |
| Loan and lease loss provision to assets | 0.4191% | 2,371 |
| Net operating income to assets | 0.9299% | 2,621 |
| Return on assets (ROA) | 0.9299% | 2,776 |
| Pretax return on assets | 0.9299% | 3,652 |
| Return on Equity (ROE) | 6.3159% | 3,868 |
| Retained earnings to average equity (ytd only) | 5.1772% | 3,079 |
| Net charge-offs to loans | 0.2012% | 4,192 |
| Credit loss provision to net charge-offs | 307.3770% | 927 |
| Earnings coverage of net charge-offs (x) | 9.8936% | 1,992 |
| Efficiency ratio | 67.4751% | 4,425 |
| Assets per employee ($millions) | 3.5353% | 4,912 |
| Cash dividends to net income (ytd only)* | 18.0292% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,996 |
| Loan loss allowance to noncurrent loans | 31.6317% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 3.1852% | 2,007 |
| Noncurrent loans to loans | 4.1188% | 1,604 |
| Net loans and leases to total assets | 69.6081% | 2,158 |
| Net loans and leases to deposits | 83.2392% | 2,137 |
| Net loans and leases to core deposits | 87.1388% | 2,610 |
| Total domestic deposits to total assets | 83.6242% | 4,415 |
| Equity capital to assets | 15.3901% | 750 |
| Core capital (leverage) ratio | 13.6911% | 983 |
| Tier 1 risk-based capital ratio | 18.3653% | 2,130 |
| Total risk-based capital ratio | 19.6152% | 2,094 |
| Memoranda: | ||
| Average total assets | $119,292,500 | 4,448 |
| Average earning assets | $107,516,000 | 4,495 |
| Average equity | $17,563,750 | 3,498 |
| Average total loans | $80,844,000 | 4,150 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 3,807 |
| Cost of funding earning assets | 0.9024% | 4,646 |
| Net interest margin | 3.9589% | 3,043 |
| Noninterest income to average assets | 0.5343% | 3,602 |
| Noninterest expense to average assets | 2.7744% | 4,527 |
| Loan and lease loss provision to assets | 0.5409% | 1,797 |
| Net operating income to assets | 0.8039% | 3,056 |
| Return on assets (ROA) | 0.8039% | 3,182 |
| Pretax return on assets | 0.8039% | 4,014 |
| Return on Equity (ROE) | 5.5411% | 4,189 |
| Retained earnings to average equity (ytd only) | 4.3939% | 3,394 |
| Net charge-offs to loans | -0.0697% | 7,094 |
| Credit loss provision to net charge-offs | -1,160.7143% | 6,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3535% | 4,637 |
| Assets per employee ($millions) | 3.4872% | 4,974 |
| Cash dividends to net income (ytd only)* | 20.7039% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 4,305 |
| Loan loss allowance to noncurrent loans | 29.3000% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 3.7766% | 1,722 |
| Noncurrent loans to loans | 4.9726% | 1,319 |
| Net loans and leases to total assets | 68.8834% | 2,437 |
| Net loans and leases to deposits | 81.5156% | 2,520 |
| Net loans and leases to core deposits | 85.0745% | 3,066 |
| Total domestic deposits to total assets | 84.5034% | 4,117 |
| Equity capital to assets | 15.3436% | 733 |
| Core capital (leverage) ratio | 13.2475% | 1,072 |
| Tier 1 risk-based capital ratio | 18.4733% | 2,020 |
| Total risk-based capital ratio | 19.7250% | 1,971 |
| Memoranda: | ||
| Average total assets | $120,168,000 | 4,447 |
| Average earning assets | $108,818,000 | 4,481 |
| Average equity | $17,433,330 | 3,506 |
| Average total loans | $80,365,000 | 4,200 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 5,188 |
| Cost of funding earning assets | 0.9399% | 4,648 |
| Net interest margin | 3.6048% | 4,548 |
| Noninterest income to average assets | 0.4955% | 3,927 |
| Noninterest expense to average assets | 2.4578% | 5,717 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3006% | 1,262 |
| Return on assets (ROA) | 1.3006% | 1,306 |
| Pretax return on assets | 1.3006% | 2,042 |
| Return on Equity (ROE) | 9.2140% | 2,381 |
| Retained earnings to average equity (ytd only) | 8.0593% | 1,709 |
| Net charge-offs to loans | -1.6632% | 7,507 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3946% | 5,142 |
| Assets per employee ($millions) | 3.6659% | 4,619 |
| Cash dividends to net income (ytd only)* | 12.5313% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 4,447 |
| Loan loss allowance to noncurrent loans | 43.2970% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 2.5261% | 2,704 |
| Noncurrent loans to loans | 3.3444% | 2,241 |
| Net loans and leases to total assets | 64.8671% | 3,270 |
| Net loans and leases to deposits | 75.9867% | 3,420 |
| Net loans and leases to core deposits | 79.8659% | 3,783 |
| Total domestic deposits to total assets | 85.3664% | 3,851 |
| Equity capital to assets | 14.4666% | 887 |
| Core capital (leverage) ratio | 12.7946% | 1,199 |
| Tier 1 risk-based capital ratio | 18.4953% | 1,961 |
| Total risk-based capital ratio | 19.7464% | 1,914 |
| Memoranda: | ||
| Average total assets | $122,713,500 | 4,400 |
| Average earning assets | $111,073,500 | 4,437 |
| Average equity | $17,321,500 | 3,519 |
| Average total loans | $80,327,000 | 4,240 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 3,440 |
| Cost of funding earning assets | 1.2492% | 4,221 |
| Net interest margin | 3.9847% | 3,082 |
| Noninterest income to average assets | 0.5384% | 3,896 |
| Noninterest expense to average assets | 2.9714% | 3,951 |
| Loan and lease loss provision to assets | 0.4233% | 3,575 |
| Net operating income to assets | 0.7026% | 3,222 |
| Return on assets (ROA) | 0.7026% | 3,347 |
| Pretax return on assets | 0.7026% | 3,967 |
| Return on Equity (ROE) | 4.8255% | 4,146 |
| Retained earnings to average equity (ytd only) | 2.5000% | 4,123 |
| Net charge-offs to loans | 0.5132% | 3,564 |
| Credit loss provision to net charge-offs | 117.0960% | 3,655 |
| Earnings coverage of net charge-offs (x) | 3.1148% | 3,520 |
| Efficiency ratio | 72.5207% | 3,697 |
| Assets per employee ($millions) | 3.6604% | 4,549 |
| Cash dividends to net income (ytd only)* | 48.1928% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 6,333 |
| Loan loss allowance to noncurrent loans | 31.0580% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 2.4347% | 2,842 |
| Noncurrent loans to loans | 3.2544% | 2,334 |
| Net loans and leases to total assets | 64.4497% | 3,769 |
| Net loans and leases to deposits | 74.9239% | 4,041 |
| Net loans and leases to core deposits | 78.9358% | 4,352 |
| Total domestic deposits to total assets | 86.0203% | 3,348 |
| Equity capital to assets | 13.7740% | 1,105 |
| Core capital (leverage) ratio | 12.4141% | 1,341 |
| Tier 1 risk-based capital ratio | 17.5911% | 2,137 |
| Total risk-based capital ratio | 18.5490% | 2,198 |
| Memoranda: | ||
| Average total assets | $118,124,400 | 4,520 |
| Average earning assets | $105,503,400 | 4,581 |
| Average equity | $17,200,200 | 3,556 |
| Average total loans | $83,206,400 | 4,234 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3326% | 3,200 |
| Cost of funding earning assets | 1.2933% | 4,263 |
| Net interest margin | 4.0393% | 2,910 |
| Noninterest income to average assets | 0.5217% | 4,016 |
| Noninterest expense to average assets | 2.6405% | 5,150 |
| Loan and lease loss provision to assets | 0.4290% | 3,336 |
| Net operating income to assets | 1.0502% | 2,070 |
| Return on assets (ROA) | 1.0502% | 2,176 |
| Pretax return on assets | 1.0502% | 2,998 |
| Return on Equity (ROE) | 7.1100% | 3,294 |
| Retained earnings to average equity (ytd only) | 5.9482% | 2,387 |
| Net charge-offs to loans | 0.4871% | 3,323 |
| Credit loss provision to net charge-offs | 122.5490% | 3,354 |
| Earnings coverage of net charge-offs (x) | 4.2255% | 3,147 |
| Efficiency ratio | 64.0933% | 5,222 |
| Assets per employee ($millions) | 3.4449% | 5,107 |
| Cash dividends to net income (ytd only)* | 16.3403% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 6,475 |
| Loan loss allowance to noncurrent loans | 33.7754% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 2.2941% | 3,090 |
| Noncurrent loans to loans | 2.9066% | 2,747 |
| Net loans and leases to total assets | 68.1767% | 3,169 |
| Net loans and leases to deposits | 80.0924% | 3,432 |
| Net loans and leases to core deposits | 85.6655% | 3,708 |
| Total domestic deposits to total assets | 85.1226% | 3,560 |
| Equity capital to assets | 14.6435% | 983 |
| Core capital (leverage) ratio | 13.4600% | 1,073 |
| Tier 1 risk-based capital ratio | 17.7906% | 2,079 |
| Total risk-based capital ratio | 18.7334% | 2,147 |
| Memoranda: | ||
| Average total assets | $116,542,500 | 4,628 |
| Average earning assets | $103,811,000 | 4,678 |
| Average equity | $17,214,750 | 3,604 |
| Average total loans | $83,751,000 | 4,296 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3895% | 3,017 |
| Cost of funding earning assets | 1.3031% | 4,514 |
| Net interest margin | 4.0864% | 2,623 |
| Noninterest income to average assets | 0.5017% | 4,103 |
| Noninterest expense to average assets | 2.6997% | 4,906 |
| Loan and lease loss provision to assets | 0.3906% | 3,375 |
| Net operating income to assets | 1.0538% | 2,005 |
| Return on assets (ROA) | 1.0538% | 2,075 |
| Pretax return on assets | 1.0538% | 2,918 |
| Return on Equity (ROE) | 7.1129% | 3,252 |
| Retained earnings to average equity (ytd only) | 5.9411% | 2,359 |
| Net charge-offs to loans | 0.1714% | 4,587 |
| Credit loss provision to net charge-offs | 312.5000% | 1,165 |
| Earnings coverage of net charge-offs (x) | 11.5556% | 1,757 |
| Efficiency ratio | 65.1445% | 5,122 |
| Assets per employee ($millions) | 3.2081% | 5,670 |
| Cash dividends to net income (ytd only)* | 16.4745% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 6,081 |
| Loan loss allowance to noncurrent loans | 28.8233% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 3.0967% | 2,290 |
| Noncurrent loans to loans | 3.7113% | 2,105 |
| Net loans and leases to total assets | 74.0475% | 1,903 |
| Net loans and leases to deposits | 87.8155% | 2,206 |
| Net loans and leases to core deposits | 93.6368% | 2,776 |
| Total domestic deposits to total assets | 84.3216% | 3,945 |
| Equity capital to assets | 15.4620% | 778 |
| Core capital (leverage) ratio | 13.5190% | 1,049 |
| Tier 1 risk-based capital ratio | 17.5677% | 2,087 |
| Total risk-based capital ratio | 18.6124% | 2,110 |
| Memoranda: | ||
| Average total assets | $115,199,330 | 4,675 |
| Average earning assets | $102,682,000 | 4,729 |
| Average equity | $17,067,670 | 3,625 |
| Average total loans | $83,995,670 | 4,323 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3201% | 3,447 |
| Cost of funding earning assets | 1.3310% | 4,620 |
| Net interest margin | 3.9891% | 2,919 |
| Noninterest income to average assets | 0.4115% | 4,805 |
| Noninterest expense to average assets | 2.7328% | 4,755 |
| Loan and lease loss provision to assets | 0.4286% | 2,816 |
| Net operating income to assets | 0.7955% | 2,984 |
| Return on assets (ROA) | 0.7955% | 3,093 |
| Pretax return on assets | 0.7955% | 3,885 |
| Return on Equity (ROE) | 5.4843% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.3023% | 3,567 |
| Net charge-offs to loans | 0.4049% | 2,824 |
| Credit loss provision to net charge-offs | 147.0588% | 2,421 |
| Earnings coverage of net charge-offs (x) | 4.2000% | 2,677 |
| Efficiency ratio | 69.0641% | 4,498 |
| Assets per employee ($millions) | 3.2981% | 5,547 |
| Cash dividends to net income (ytd only)* | 21.5517% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 6,761 |
| Loan loss allowance to noncurrent loans | 32.1472% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 2.2178% | 3,254 |
| Noncurrent loans to loans | 2.8729% | 2,806 |
| Net loans and leases to total assets | 73.0473% | 2,188 |
| Net loans and leases to deposits | 85.9102% | 2,602 |
| Net loans and leases to core deposits | 95.4397% | 2,647 |
| Total domestic deposits to total assets | 85.0275% | 3,663 |
| Equity capital to assets | 14.7212% | 950 |
| Core capital (leverage) ratio | 12.9618% | 1,222 |
| Tier 1 risk-based capital ratio | 17.0215% | 2,264 |
| Total risk-based capital ratio | 17.9259% | 2,336 |
| Memoranda: | ||
| Average total assets | $116,658,000 | 4,704 |
| Average earning assets | $103,682,500 | 4,762 |
| Average equity | $16,921,000 | 3,672 |
| Average total loans | $83,973,000 | 4,385 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3724% | 4,822 |
| Cost of funding earning assets | 1.6812% | 4,609 |
| Net interest margin | 3.6911% | 4,181 |
| Noninterest income to average assets | 0.4610% | 4,713 |
| Noninterest expense to average assets | 2.9078% | 4,512 |
| Loan and lease loss provision to assets | 0.4765% | 3,977 |
| Net operating income to assets | 0.3561% | 4,303 |
| Return on assets (ROA) | 0.3613% | 4,384 |
| Pretax return on assets | 0.3613% | 4,608 |
| Return on Equity (ROE) | 2.4728% | 4,724 |
| Retained earnings to average equity (ytd only) | 0.9903% | 4,341 |
| Net charge-offs to loans | 0.7984% | 2,828 |
| Credit loss provision to net charge-offs | 87.8594% | 6,072 |
| Earnings coverage of net charge-offs (x) | 1.5351% | 4,598 |
| Efficiency ratio | 77.7392% | 3,236 |
| Assets per employee ($millions) | 3.4672% | 5,083 |
| Cash dividends to net income (ytd only)* | 59.9520% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 6,806 |
| Loan loss allowance to noncurrent loans | 29.9118% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 2.2429% | 3,079 |
| Noncurrent loans to loans | 3.0106% | 2,561 |
| Net loans and leases to total assets | 69.6396% | 3,333 |
| Net loans and leases to deposits | 83.3933% | 3,378 |
| Net loans and leases to core deposits | 108.2320% | 3,082 |
| Total domestic deposits to total assets | 83.5075% | 4,281 |
| Equity capital to assets | 14.2929% | 1,080 |
| Core capital (leverage) ratio | 12.9586% | 1,266 |
| Tier 1 risk-based capital ratio | 17.2564% | 2,087 |
| Total risk-based capital ratio | 18.1376% | 2,152 |
| Memoranda: | ||
| Average total assets | $115,413,800 | 4,691 |
| Average earning assets | $102,542,800 | 4,776 |
| Average equity | $16,863,400 | 3,700 |
| Average total loans | $78,406,800 | 4,570 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4129% | 4,883 |
| Cost of funding earning assets | 1.7633% | 4,569 |
| Net interest margin | 3.6496% | 4,274 |
| Noninterest income to average assets | 0.4460% | 4,928 |
| Noninterest expense to average assets | 2.5877% | 5,755 |
| Loan and lease loss provision to assets | 0.5227% | 3,295 |
| Net operating income to assets | 0.5738% | 3,713 |
| Return on assets (ROA) | 0.5807% | 3,745 |
| Pretax return on assets | 0.5807% | 4,249 |
| Return on Equity (ROE) | 3.9524% | 4,389 |
| Retained earnings to average equity (ytd only) | 2.3714% | 4,000 |
| Net charge-offs to loans | 0.9659% | 2,041 |
| Credit loss provision to net charge-offs | 80.3571% | 5,753 |
| Earnings coverage of net charge-offs (x) | 1.6857% | 4,534 |
| Efficiency ratio | 70.2396% | 4,541 |
| Assets per employee ($millions) | 3.3111% | 5,368 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 6,954 |
| Loan loss allowance to noncurrent loans | 35.2854% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 2.0830% | 3,232 |
| Noncurrent loans to loans | 2.4080% | 3,128 |
| Net loans and leases to total assets | 73.6985% | 2,623 |
| Net loans and leases to deposits | 89.3023% | 2,717 |
| Net loans and leases to core deposits | 115.0478% | 2,720 |
| Total domestic deposits to total assets | 82.5269% | 4,432 |
| Equity capital to assets | 15.0916% | 980 |
| Core capital (leverage) ratio | 13.2431% | 1,309 |
| Tier 1 risk-based capital ratio | 17.7168% | 2,068 |
| Total risk-based capital ratio | 18.5712% | 2,124 |
| Memoranda: | ||
| Average total assets | $114,796,250 | 4,722 |
| Average earning assets | $101,852,750 | 4,826 |
| Average equity | $16,867,000 | 3,730 |
| Average total loans | $77,298,500 | 4,654 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4104% | 5,092 |
| Cost of funding earning assets | 1.8630% | 4,450 |
| Net interest margin | 3.5474% | 4,585 |
| Noninterest income to average assets | 0.3722% | 5,532 |
| Noninterest expense to average assets | 2.4373% | 6,346 |
| Loan and lease loss provision to assets | 0.4328% | 3,394 |
| Net operating income to assets | 0.6301% | 3,552 |
| Return on assets (ROA) | 0.6301% | 3,659 |
| Pretax return on assets | 0.6301% | 4,232 |
| Return on Equity (ROE) | 4.3266% | 4,369 |
| Retained earnings to average equity (ytd only) | 2.5437% | 3,915 |
| Net charge-offs to loans | 0.6385% | 2,444 |
| Credit loss provision to net charge-offs | 104.1667% | 4,410 |
| Earnings coverage of net charge-offs (x) | 2.5583% | 3,788 |
| Efficiency ratio | 69.6340% | 4,853 |
| Assets per employee ($millions) | 3.3343% | 5,227 |
| Cash dividends to net income (ytd only)* | 41.2088% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 5,773 |
| Loan loss allowance to noncurrent loans | 39.8849% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 1.8732% | 3,369 |
| Noncurrent loans to loans | 2.6871% | 2,678 |
| Net loans and leases to total assets | 65.8081% | 4,601 |
| Net loans and leases to deposits | 77.2266% | 4,991 |
| Net loans and leases to core deposits | 100.0599% | 4,505 |
| Total domestic deposits to total assets | 85.2142% | 3,154 |
| Equity capital to assets | 14.4584% | 1,174 |
| Core capital (leverage) ratio | 12.7886% | 1,513 |
| Tier 1 risk-based capital ratio | 18.8537% | 1,806 |
| Total risk-based capital ratio | 19.9239% | 1,795 |
| Memoranda: | ||
| Average total assets | $115,535,330 | 4,737 |
| Average earning assets | $101,877,670 | 4,846 |
| Average equity | $16,826,000 | 3,746 |
| Average total loans | $75,171,330 | 4,768 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5654% | 4,544 |
| Cost of funding earning assets | 1.9820% | 4,225 |
| Net interest margin | 3.5834% | 4,390 |
| Noninterest income to average assets | 0.3758% | 5,425 |
| Noninterest expense to average assets | 2.5993% | 5,449 |
| Loan and lease loss provision to assets | 0.1740% | 4,721 |
| Net operating income to assets | 0.7481% | 3,359 |
| Return on assets (ROA) | 0.7481% | 3,534 |
| Pretax return on assets | 0.7481% | 4,261 |
| Return on Equity (ROE) | 5.1183% | 4,424 |
| Retained earnings to average equity (ytd only) | 2.7377% | 4,364 |
| Net charge-offs to loans | 0.0108% | 5,474 |
| Credit loss provision to net charge-offs | 2,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 132.5000% | 326 |
| Efficiency ratio | 73.8142% | 3,857 |
| Assets per employee ($millions) | 3.3440% | 5,213 |
| Cash dividends to net income (ytd only)* | 46.5116% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,068 |
| Loan loss allowance to noncurrent loans | 35.2512% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 2.2582% | 2,543 |
| Noncurrent loans to loans | 3.2837% | 1,949 |
| Net loans and leases to total assets | 63.4746% | 5,079 |
| Net loans and leases to deposits | 74.5300% | 5,415 |
| Net loans and leases to core deposits | 96.8516% | 4,861 |
| Total domestic deposits to total assets | 85.1665% | 3,126 |
| Equity capital to assets | 14.4046% | 1,255 |
| Core capital (leverage) ratio | 13.1312% | 1,441 |
| Tier 1 risk-based capital ratio | 18.7301% | 1,875 |
| Total risk-based capital ratio | 19.8495% | 1,861 |
| Memoranda: | ||
| Average total assets | $114,953,000 | 4,778 |
| Average earning assets | $100,909,500 | 4,891 |
| Average equity | $16,802,500 | 3,770 |
| Average total loans | $73,942,000 | 4,836 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9090% | 5,995 |
| Cost of funding earning assets | 2.6547% | 3,394 |
| Net interest margin | 3.2543% | 6,199 |
| Noninterest income to average assets | 0.4512% | 5,031 |
| Noninterest expense to average assets | 2.8107% | 4,774 |
| Loan and lease loss provision to assets | 0.3862% | 3,377 |
| Net operating income to assets | 0.1904% | 5,878 |
| Return on assets (ROA) | 0.1904% | 5,697 |
| Pretax return on assets | 0.1904% | 5,754 |
| Return on Equity (ROE) | 1.2397% | 5,846 |
| Retained earnings to average equity (ytd only) | -1.1443% | 5,639 |
| Net charge-offs to loans | 0.5738% | 2,094 |
| Credit loss provision to net charge-offs | 104.9751% | 5,094 |
| Earnings coverage of net charge-offs (x) | 1.5672% | 5,309 |
| Efficiency ratio | 82.9776% | 2,185 |
| Assets per employee ($millions) | 3.2248% | 5,412 |
| Cash dividends to net income (ytd only)* | 192.3077% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 5,057 |
| Loan loss allowance to noncurrent loans | 26.2956% | 6,925 |
| Noncurrent assets plus other real estate owned to assets | 2.8139% | 1,669 |
| Noncurrent loans to loans | 4.2984% | 1,123 |
| Net loans and leases to total assets | 63.7051% | 5,341 |
| Net loans and leases to deposits | 75.1869% | 5,706 |
| Net loans and leases to core deposits | 96.9657% | 5,153 |
| Total domestic deposits to total assets | 84.7289% | 2,961 |
| Equity capital to assets | 14.8369% | 1,201 |
| Core capital (leverage) ratio | 13.6351% | 1,350 |
| Tier 1 risk-based capital ratio | 18.5710% | 1,903 |
| Total risk-based capital ratio | 19.6279% | 1,890 |
| Memoranda: | ||
| Average total assets | $109,261,200 | 4,805 |
| Average earning assets | $98,578,200 | 4,846 |
| Average equity | $16,778,800 | 3,779 |
| Average total loans | $70,058,800 | 4,865 |