Home > Heartland Bank > Performance and Condition Ratios
Heartland 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 | 6.3365% | 415 |
| Cost of funding earning assets | 1.9427% | 1,008 |
| Net interest margin | 4.3939% | 711 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.5074% | 2,277 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.7833% | 629 |
| Return on assets (ROA) | 1.5727% | 872 |
| Pretax return on assets | 1.6451% | 1,158 |
| Return on Equity (ROE) | 15.8300% | 1,132 |
| Retained earnings to average equity (ytd only) | 8.9225% | 1,274 |
| Net charge-offs to loans | 0.0057% | 2,490 |
| Credit loss provision to net charge-offs | 2,090.9091% | 215 |
| Earnings coverage of net charge-offs (x) | 428.5455% | 332 |
| Efficiency ratio | 55.8159% | 3,516 |
| Assets per employee ($millions) | 7.5493% | 1,699 |
| Cash dividends to net income (ytd only)* | 43.6412% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 1,114 |
| Loan loss allowance to noncurrent loans | 164.0271% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 706 |
| Noncurrent loans to loans | 0.9011% | 834 |
| Net loans and leases to total assets | 80.0200% | 640 |
| Net loans and leases to deposits | 98.3641% | 627 |
| Net loans and leases to core deposits | 126.4684% | 473 |
| Total domestic deposits to total assets | 81.3500% | 3,247 |
| Equity capital to assets | 10.5903% | 1,683 |
| Core capital (leverage) ratio | 11.6878% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7664% | 1,947 |
| Memoranda: | ||
| Average total assets | $237,496,600 | 2,753 |
| Average earning assets | $222,424,400 | 2,725 |
| Average equity | $23,592,000 | 2,591 |
| Average total loans | $192,236,600 | 2,344 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1935% | 424 |
| Cost of funding earning assets | 1.7896% | 1,024 |
| Net interest margin | 4.4039% | 697 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.4977% | 2,235 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.7754% | 698 |
| Return on assets (ROA) | 1.7873% | 676 |
| Pretax return on assets | 1.8691% | 903 |
| Return on Equity (ROE) | 18.3000% | 912 |
| Retained earnings to average equity (ytd only) | 11.2465% | 1,117 |
| Net charge-offs to loans | 0.0056% | 2,252 |
| Credit loss provision to net charge-offs | 2,450.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 443.1250% | 337 |
| Efficiency ratio | 55.5486% | 3,438 |
| Assets per employee ($millions) | 7.6351% | 1,548 |
| Cash dividends to net income (ytd only)* | 38.5489% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 1,276 |
| Loan loss allowance to noncurrent loans | 214.9064% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 1,069 |
| Noncurrent loans to loans | 0.6715% | 1,230 |
| Net loans and leases to total assets | 80.2000% | 616 |
| Net loans and leases to deposits | 98.9416% | 562 |
| Net loans and leases to core deposits | 127.7019% | 375 |
| Total domestic deposits to total assets | 81.0600% | 3,372 |
| Equity capital to assets | 9.5530% | 2,067 |
| Core capital (leverage) ratio | 11.6072% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9512% | 1,915 |
| Memoranda: | ||
| Average total assets | $236,476,000 | 2,771 |
| Average earning assets | $221,193,750 | 2,746 |
| Average equity | $23,094,000 | 2,614 |
| Average total loans | $191,244,000 | 2,348 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0555% | 418 |
| Cost of funding earning assets | 1.5996% | 1,071 |
| Net interest margin | 4.4559% | 649 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.4125% | 2,438 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.9034% | 556 |
| Return on assets (ROA) | 1.9165% | 540 |
| Pretax return on assets | 1.9961% | 755 |
| Return on Equity (ROE) | 19.4800% | 769 |
| Retained earnings to average equity (ytd only) | 12.3935% | 911 |
| Net charge-offs to loans | 0.0011% | 2,378 |
| Credit loss provision to net charge-offs | 10,400.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 2,476.0000% | 55 |
| Efficiency ratio | 53.2566% | 3,672 |
| Assets per employee ($millions) | 7.1124% | 1,836 |
| Cash dividends to net income (ytd only)* | 36.3677% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 1,248 |
| Loan loss allowance to noncurrent loans | 3,524.0506% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 3,447 |
| Noncurrent loans to loans | 0.0419% | 3,425 |
| Net loans and leases to total assets | 79.0700% | 731 |
| Net loans and leases to deposits | 92.5250% | 986 |
| Net loans and leases to core deposits | 116.5088% | 613 |
| Total domestic deposits to total assets | 85.4600% | 2,405 |
| Equity capital to assets | 10.0618% | 1,817 |
| Core capital (leverage) ratio | 11.4602% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1405% | 1,833 |
| Memoranda: | ||
| Average total assets | $233,860,667 | 2,792 |
| Average earning assets | $218,677,000 | 2,770 |
| Average equity | $23,012,000 | 2,623 |
| Average total loans | $188,721,667 | 2,362 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7748% | 431 |
| Cost of funding earning assets | 1.2496% | 1,339 |
| Net interest margin | 4.5252% | 565 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.3869% | 2,569 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 2.0790% | 443 |
| Return on assets (ROA) | 2.0956% | 422 |
| Pretax return on assets | 2.1573% | 607 |
| Return on Equity (ROE) | 21.5400% | 621 |
| Retained earnings to average equity (ytd only) | 18.8992% | 447 |
| Net charge-offs to loans | 0.0021% | 1,955 |
| Credit loss provision to net charge-offs | 3,200.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 1,281.0000% | 75 |
| Efficiency ratio | 52.0942% | 3,770 |
| Assets per employee ($millions) | 7.6128% | 1,551 |
| Cash dividends to net income (ytd only)* | 12.2649% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,559 |
| Loan loss allowance to noncurrent loans | 2,795.8763% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,372 |
| Noncurrent loans to loans | 0.0507% | 3,379 |
| Net loans and leases to total assets | 79.9600% | 547 |
| Net loans and leases to deposits | 94.2755% | 775 |
| Net loans and leases to core deposits | 113.5933% | 596 |
| Total domestic deposits to total assets | 84.8100% | 2,902 |
| Equity capital to assets | 9.9399% | 1,852 |
| Core capital (leverage) ratio | 11.7188% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6120% | 2,131 |
| Memoranda: | ||
| Average total assets | $233,436,000 | 2,827 |
| Average earning assets | $218,952,500 | 2,803 |
| Average equity | $22,710,000 | 2,668 |
| Average total loans | $188,900,000 | 2,381 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 242 |
| Cost of funding earning assets | 0.4767% | 1,543 |
| Net interest margin | 4.6649% | 221 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.6775% | 1,615 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.8356% | 403 |
| Return on assets (ROA) | 1.8129% | 412 |
| Pretax return on assets | 1.9103% | 570 |
| Return on Equity (ROE) | 17.9100% | 715 |
| Retained earnings to average equity (ytd only) | 8.4278% | 1,667 |
| Net charge-offs to loans | 0.0018% | 2,481 |
| Credit loss provision to net charge-offs | 8,200.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 1,459.3333% | 119 |
| Efficiency ratio | 56.6449% | 3,512 |
| Assets per employee ($millions) | 7.4491% | 1,653 |
| Cash dividends to net income (ytd only)* | 52.9305% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 1,380 |
| Loan loss allowance to noncurrent loans | 11,656.5217% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 3,789 |
| Noncurrent loans to loans | 0.0123% | 3,747 |
| Net loans and leases to total assets | 79.5500% | 648 |
| Net loans and leases to deposits | 98.7205% | 490 |
| Net loans and leases to core deposits | 117.0064% | 427 |
| Total domestic deposits to total assets | 80.5900% | 3,806 |
| Equity capital to assets | 9.2036% | 2,222 |
| Core capital (leverage) ratio | 11.5882% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2253% | 2,275 |
| Memoranda: | ||
| Average total assets | $213,635,600 | 2,955 |
| Average earning assets | $198,846,600 | 2,947 |
| Average equity | $21,630,800 | 2,800 |
| Average total loans | $166,912,000 | 2,488 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 227 |
| Cost of funding earning assets | 0.3125% | 2,037 |
| Net interest margin | 4.6336% | 186 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.6244% | 1,656 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.8980% | 349 |
| Return on assets (ROA) | 1.9059% | 339 |
| Pretax return on assets | 2.0078% | 461 |
| Return on Equity (ROE) | 18.3600% | 598 |
| Retained earnings to average equity (ytd only) | 8.9295% | 1,671 |
| Net charge-offs to loans | 0.0016% | 2,247 |
| Credit loss provision to net charge-offs | 4,650.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 1,616.0000% | 81 |
| Efficiency ratio | 56.0392% | 3,621 |
| Assets per employee ($millions) | 7.2263% | 1,795 |
| Cash dividends to net income (ytd only)* | 51.3703% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 1,508 |
| Loan loss allowance to noncurrent loans | 1,720.4082% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,237 |
| Noncurrent loans to loans | 0.0831% | 3,285 |
| Net loans and leases to total assets | 77.8500% | 717 |
| Net loans and leases to deposits | 97.7879% | 467 |
| Net loans and leases to core deposits | 110.7033% | 449 |
| Total domestic deposits to total assets | 79.6100% | 4,135 |
| Equity capital to assets | 9.0883% | 2,145 |
| Core capital (leverage) ratio | 11.6603% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0899% | 2,024 |
| Memoranda: | ||
| Average total assets | $209,314,250 | 3,004 |
| Average earning assets | $194,572,750 | 2,991 |
| Average equity | $21,725,250 | 2,843 |
| Average total loans | $162,043,000 | 2,530 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7416% | 242 |
| Cost of funding earning assets | 0.2069% | 2,824 |
| Net interest margin | 4.5347% | 183 |
| Noninterest income to average assets | 0.3620% | 2,976 |
| Noninterest expense to average assets | 2.6388% | 1,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8485% | 305 |
| Return on assets (ROA) | 1.8355% | 305 |
| Pretax return on assets | 1.9333% | 439 |
| Return on Equity (ROE) | 16.9156% | 578 |
| Retained earnings to average equity (ytd only) | 7.6733% | 1,739 |
| Net charge-offs to loans | 0.0013% | 2,090 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,990.0000% | 49 |
| Efficiency ratio | 57.5421% | 3,619 |
| Assets per employee ($millions) | 6.8496% | 2,038 |
| Cash dividends to net income (ytd only)* | 54.6375% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 1,460 |
| Loan loss allowance to noncurrent loans | 230.5582% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 1,128 |
| Noncurrent loans to loans | 0.6421% | 1,331 |
| Net loans and leases to total assets | 76.3743% | 692 |
| Net loans and leases to deposits | 92.2800% | 594 |
| Net loans and leases to core deposits | 103.2082% | 540 |
| Total domestic deposits to total assets | 82.7637% | 3,909 |
| Equity capital to assets | 9.8155% | 1,814 |
| Core capital (leverage) ratio | 11.6235% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7026% | 1,802 |
| Memoranda: | ||
| Average total assets | $204,414,333 | 3,070 |
| Average earning assets | $190,400,000 | 3,062 |
| Average equity | $22,180,667 | 2,876 |
| Average total loans | $157,083,667 | 2,577 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 300 |
| Cost of funding earning assets | 0.1644% | 3,303 |
| Net interest margin | 4.3570% | 215 |
| Noninterest income to average assets | 0.3532% | 2,980 |
| Noninterest expense to average assets | 2.6502% | 1,477 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6856% | 423 |
| Return on assets (ROA) | 1.6723% | 435 |
| Pretax return on assets | 1.7621% | 598 |
| Return on Equity (ROE) | 14.2711% | 781 |
| Retained earnings to average equity (ytd only) | 14.2711% | 353 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8738% | 3,491 |
| Assets per employee ($millions) | 6.8166% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 1,376 |
| Loan loss allowance to noncurrent loans | 433.8078% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 2,028 |
| Noncurrent loans to loans | 0.3599% | 2,191 |
| Net loans and leases to total assets | 75.1568% | 563 |
| Net loans and leases to deposits | 87.6045% | 640 |
| Net loans and leases to core deposits | 96.7834% | 622 |
| Total domestic deposits to total assets | 85.7911% | 3,324 |
| Equity capital to assets | 10.8504% | 1,408 |
| Core capital (leverage) ratio | 11.9940% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9606% | 1,812 |
| Memoranda: | ||
| Average total assets | $200,438,500 | 3,100 |
| Average earning assets | $187,377,500 | 3,096 |
| Average equity | $23,488,000 | 2,872 |
| Average total loans | $153,321,500 | 2,606 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2837% | 173 |
| Cost of funding earning assets | 0.2419% | 3,032 |
| Net interest margin | 5.0418% | 134 |
| Noninterest income to average assets | 0.3418% | 3,368 |
| Noninterest expense to average assets | 2.6172% | 1,828 |
| Loan and lease loss provision to assets | 0.2408% | 402 |
| Net operating income to assets | 2.1062% | 283 |
| Return on assets (ROA) | 2.1634% | 276 |
| Pretax return on assets | 2.2791% | 354 |
| Return on Equity (ROE) | 16.8589% | 613 |
| Retained earnings to average equity (ytd only) | 4.4014% | 3,053 |
| Net charge-offs to loans | 0.0216% | 1,831 |
| Credit loss provision to net charge-offs | 1,437.5000% | 403 |
| Earnings coverage of net charge-offs (x) | 146.8438% | 671 |
| Efficiency ratio | 51.5517% | 4,150 |
| Assets per employee ($millions) | 6.5459% | 2,295 |
| Cash dividends to net income (ytd only)* | 73.8931% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 1,214 |
| Loan loss allowance to noncurrent loans | 2,834.8837% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 3,690 |
| Noncurrent loans to loans | 0.0571% | 3,667 |
| Net loans and leases to total assets | 75.4015% | 555 |
| Net loans and leases to deposits | 90.5086% | 546 |
| Net loans and leases to core deposits | 102.6396% | 447 |
| Total domestic deposits to total assets | 83.3087% | 3,743 |
| Equity capital to assets | 12.6221% | 1,025 |
| Core capital (leverage) ratio | 12.2146% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2295% | 1,765 |
| Memoranda: | ||
| Average total assets | $191,041,200 | 3,125 |
| Average earning assets | $179,420,800 | 3,099 |
| Average equity | $24,515,200 | 2,879 |
| Average total loans | $148,070,600 | 2,648 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3488% | 186 |
| Cost of funding earning assets | 0.2609% | 3,006 |
| Net interest margin | 5.0878% | 141 |
| Noninterest income to average assets | 0.3254% | 3,477 |
| Noninterest expense to average assets | 2.5119% | 2,085 |
| Loan and lease loss provision to assets | 0.2029% | 508 |
| Net operating income to assets | 2.2660% | 284 |
| Return on assets (ROA) | 2.3088% | 281 |
| Pretax return on assets | 2.4381% | 372 |
| Return on Equity (ROE) | 17.9157% | 636 |
| Retained earnings to average equity (ytd only) | 5.5847% | 3,004 |
| Net charge-offs to loans | 0.0018% | 2,341 |
| Credit loss provision to net charge-offs | 14,450.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 1,847.0000% | 77 |
| Efficiency ratio | 49.1745% | 4,283 |
| Assets per employee ($millions) | 6.7631% | 2,040 |
| Cash dividends to net income (ytd only)* | 68.8280% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 1,473 |
| Loan loss allowance to noncurrent loans | 1,980.1724% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 3,726 |
| Noncurrent loans to loans | 0.0781% | 3,702 |
| Net loans and leases to total assets | 74.5606% | 645 |
| Net loans and leases to deposits | 93.4827% | 433 |
| Net loans and leases to core deposits | 105.8845% | 412 |
| Total domestic deposits to total assets | 79.7587% | 4,261 |
| Equity capital to assets | 12.6998% | 1,091 |
| Core capital (leverage) ratio | 12.0849% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5985% | 1,454 |
| Memoranda: | ||
| Average total assets | $189,707,000 | 3,170 |
| Average earning assets | $178,329,250 | 3,147 |
| Average equity | $24,447,250 | 2,914 |
| Average total loans | $147,460,750 | 2,697 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 277 |
| Cost of funding earning assets | 0.2817% | 2,956 |
| Net interest margin | 4.8638% | 205 |
| Noninterest income to average assets | 0.3092% | 3,576 |
| Noninterest expense to average assets | 2.5122% | 2,103 |
| Loan and lease loss provision to assets | 0.1045% | 1,205 |
| Net operating income to assets | 2.1591% | 368 |
| Return on assets (ROA) | 2.2179% | 348 |
| Pretax return on assets | 2.3384% | 454 |
| Return on Equity (ROE) | 17.1238% | 761 |
| Retained earnings to average equity (ytd only) | 2.9720% | 3,846 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3402% | 4,110 |
| Assets per employee ($millions) | 6.4015% | 2,234 |
| Cash dividends to net income (ytd only)* | 82.6442% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,857 |
| Loan loss allowance to noncurrent loans | 3,098.5294% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 4,014 |
| Noncurrent loans to loans | 0.0461% | 3,951 |
| Net loans and leases to total assets | 75.7040% | 618 |
| Net loans and leases to deposits | 94.1680% | 455 |
| Net loans and leases to core deposits | 105.3041% | 492 |
| Total domestic deposits to total assets | 80.3925% | 4,168 |
| Equity capital to assets | 12.6893% | 1,054 |
| Core capital (leverage) ratio | 11.8171% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9322% | 1,653 |
| Memoranda: | ||
| Average total assets | $187,566,333 | 3,193 |
| Average earning assets | $176,774,000 | 3,160 |
| Average equity | $24,293,667 | 2,919 |
| Average total loans | $147,103,667 | 2,715 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 572 |
| Cost of funding earning assets | 0.3017% | 2,977 |
| Net interest margin | 4.3994% | 428 |
| Noninterest income to average assets | 0.2849% | 3,697 |
| Noninterest expense to average assets | 2.3634% | 2,612 |
| Loan and lease loss provision to assets | 0.1230% | 1,121 |
| Net operating income to assets | 1.8475% | 724 |
| Return on assets (ROA) | 1.9706% | 637 |
| Pretax return on assets | 2.0828% | 825 |
| Return on Equity (ROE) | 15.0561% | 1,198 |
| Retained earnings to average equity (ytd only) | 6.2500% | 2,810 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2329% | 3,886 |
| Assets per employee ($millions) | 7.1311% | 1,707 |
| Cash dividends to net income (ytd only)* | 58.4885% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 2,232 |
| Loan loss allowance to noncurrent loans | 1,123.3696% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 3,522 |
| Noncurrent loans to loans | 0.1196% | 3,713 |
| Net loans and leases to total assets | 78.8222% | 413 |
| Net loans and leases to deposits | 99.9045% | 289 |
| Net loans and leases to core deposits | 111.1856% | 377 |
| Total domestic deposits to total assets | 78.8975% | 4,343 |
| Equity capital to assets | 12.5771% | 1,055 |
| Core capital (leverage) ratio | 12.2712% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8393% | 1,624 |
| Memoranda: | ||
| Average total assets | $185,327,500 | 3,201 |
| Average earning assets | $175,022,500 | 3,164 |
| Average equity | $24,256,000 | 2,911 |
| Average total loans | $146,909,500 | 2,730 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3335% | 247 |
| Cost of funding earning assets | 0.5786% | 2,454 |
| Net interest margin | 4.7549% | 191 |
| Noninterest income to average assets | 0.3356% | 3,452 |
| Noninterest expense to average assets | 2.5066% | 2,831 |
| Loan and lease loss provision to assets | 0.1577% | 2,399 |
| Net operating income to assets | 2.0088% | 259 |
| Return on assets (ROA) | 2.0105% | 274 |
| Pretax return on assets | 2.1177% | 352 |
| Return on Equity (ROE) | 15.0030% | 645 |
| Retained earnings to average equity (ytd only) | 5.8428% | 1,874 |
| Net charge-offs to loans | -0.0241% | 4,477 |
| Credit loss provision to net charge-offs | -833.3333% | 4,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4358% | 4,354 |
| Assets per employee ($millions) | 6.3612% | 2,037 |
| Cash dividends to net income (ytd only)* | 61.0556% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 1,827 |
| Loan loss allowance to noncurrent loans | 297.3373% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 2,325 |
| Noncurrent loans to loans | 0.4829% | 2,522 |
| Net loans and leases to total assets | 77.4656% | 651 |
| Net loans and leases to deposits | 95.1119% | 591 |
| Net loans and leases to core deposits | 107.3935% | 591 |
| Total domestic deposits to total assets | 81.4467% | 3,774 |
| Equity capital to assets | 13.6407% | 889 |
| Core capital (leverage) ratio | 12.5838% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0844% | 1,499 |
| Memoranda: | ||
| Average total assets | $174,337,800 | 3,158 |
| Average earning assets | $162,968,600 | 3,138 |
| Average equity | $23,362,000 | 2,915 |
| Average total loans | $137,169,200 | 2,779 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4927% | 234 |
| Cost of funding earning assets | 0.6476% | 2,339 |
| Net interest margin | 4.8451% | 186 |
| Noninterest income to average assets | 0.3245% | 3,544 |
| Noninterest expense to average assets | 2.5029% | 2,835 |
| Loan and lease loss provision to assets | 0.1724% | 2,259 |
| Net operating income to assets | 2.0597% | 261 |
| Return on assets (ROA) | 2.0531% | 290 |
| Pretax return on assets | 2.1646% | 364 |
| Return on Equity (ROE) | 15.3919% | 630 |
| Retained earnings to average equity (ytd only) | 8.3012% | 1,210 |
| Net charge-offs to loans | -0.0713% | 4,759 |
| Credit loss provision to net charge-offs | -306.8493% | 3,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6421% | 4,370 |
| Assets per employee ($millions) | 6.7130% | 1,668 |
| Cash dividends to net income (ytd only)* | 46.0674% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 1,820 |
| Loan loss allowance to noncurrent loans | 823.0453% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 3,471 |
| Noncurrent loans to loans | 0.1677% | 3,711 |
| Net loans and leases to total assets | 78.8317% | 738 |
| Net loans and leases to deposits | 101.3455% | 478 |
| Net loans and leases to core deposits | 119.6082% | 423 |
| Total domestic deposits to total assets | 77.7851% | 4,230 |
| Equity capital to assets | 13.4536% | 1,015 |
| Core capital (leverage) ratio | 12.3518% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6269% | 1,344 |
| Memoranda: | ||
| Average total assets | $173,393,750 | 3,147 |
| Average earning assets | $161,835,250 | 3,136 |
| Average equity | $23,128,500 | 2,927 |
| Average total loans | $136,464,750 | 2,790 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6774% | 242 |
| Cost of funding earning assets | 0.7246% | 2,269 |
| Net interest margin | 4.9528% | 223 |
| Noninterest income to average assets | 0.3209% | 3,542 |
| Noninterest expense to average assets | 2.4852% | 3,005 |
| Loan and lease loss provision to assets | 0.2085% | 1,971 |
| Net operating income to assets | 2.1168% | 254 |
| Return on assets (ROA) | 2.1057% | 292 |
| Pretax return on assets | 2.2263% | 351 |
| Return on Equity (ROE) | 15.8347% | 594 |
| Retained earnings to average equity (ytd only) | 8.6131% | 1,128 |
| Net charge-offs to loans | -0.1302% | 4,890 |
| Credit loss provision to net charge-offs | -204.5977% | 3,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3918% | 4,479 |
| Assets per employee ($millions) | 6.8429% | 1,537 |
| Cash dividends to net income (ytd only)* | 45.6062% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 1,853 |
| Loan loss allowance to noncurrent loans | 301.2251% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 2,802 |
| Noncurrent loans to loans | 0.4432% | 2,830 |
| Net loans and leases to total assets | 78.6770% | 757 |
| Net loans and leases to deposits | 103.1390% | 409 |
| Net loans and leases to core deposits | 120.2213% | 420 |
| Total domestic deposits to total assets | 76.2825% | 4,401 |
| Equity capital to assets | 12.7865% | 1,240 |
| Core capital (leverage) ratio | 12.1911% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8321% | 1,539 |
| Memoranda: | ||
| Average total assets | $170,774,333 | 3,154 |
| Average earning assets | $158,980,333 | 3,144 |
| Average equity | $22,709,667 | 2,949 |
| Average total loans | $133,658,333 | 2,822 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4221% | 443 |
| Cost of funding earning assets | 0.8606% | 2,057 |
| Net interest margin | 4.5615% | 438 |
| Noninterest income to average assets | 0.3761% | 3,262 |
| Noninterest expense to average assets | 2.5790% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9155% | 327 |
| Return on assets (ROA) | 1.8830% | 381 |
| Pretax return on assets | 1.9831% | 464 |
| Return on Equity (ROE) | 13.8591% | 723 |
| Retained earnings to average equity (ytd only) | 6.4892% | 1,715 |
| Net charge-offs to loans | -0.0126% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1105% | 4,201 |
| Assets per employee ($millions) | 6.4407% | 1,376 |
| Cash dividends to net income (ytd only)* | 53.1777% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 2,098 |
| Loan loss allowance to noncurrent loans | 359.1579% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 3,220 |
| Noncurrent loans to loans | 0.3646% | 3,191 |
| Net loans and leases to total assets | 76.7751% | 1,173 |
| Net loans and leases to deposits | 98.4245% | 665 |
| Net loans and leases to core deposits | 113.5311% | 684 |
| Total domestic deposits to total assets | 78.0040% | 4,219 |
| Equity capital to assets | 13.4392% | 1,246 |
| Core capital (leverage) ratio | 13.3048% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2946% | 1,815 |
| Memoranda: | ||
| Average total assets | $163,782,500 | 3,183 |
| Average earning assets | $151,527,500 | 3,175 |
| Average equity | $22,252,500 | 2,977 |
| Average total loans | $126,823,000 | 2,873 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6504% | 439 |
| Cost of funding earning assets | 1.0369% | 1,574 |
| Net interest margin | 4.6135% | 556 |
| Noninterest income to average assets | 0.3790% | 3,429 |
| Noninterest expense to average assets | 2.5223% | 3,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0414% | 312 |
| Return on assets (ROA) | 2.1472% | 262 |
| Pretax return on assets | 2.2623% | 335 |
| Return on Equity (ROE) | 15.9074% | 550 |
| Retained earnings to average equity (ytd only) | 7.3984% | 1,207 |
| Net charge-offs to loans | -0.0552% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9722% | 4,423 |
| Assets per employee ($millions) | 6.1580% | 1,512 |
| Cash dividends to net income (ytd only)* | 53.4912% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 1,596 |
| Loan loss allowance to noncurrent loans | 818.2692% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 3,861 |
| Noncurrent loans to loans | 0.1686% | 3,857 |
| Net loans and leases to total assets | 75.9942% | 1,419 |
| Net loans and leases to deposits | 99.2965% | 645 |
| Net loans and leases to core deposits | 113.8420% | 679 |
| Total domestic deposits to total assets | 76.5326% | 4,541 |
| Equity capital to assets | 13.7408% | 1,192 |
| Core capital (leverage) ratio | 13.3108% | 1,111 |
| Tier 1 risk-based capital ratio | 14.6527% | 2,929 |
| Total risk-based capital ratio | 15.8387% | 2,872 |
| Memoranda: | ||
| Average total assets | $155,414,200 | 3,236 |
| Average earning assets | $144,661,600 | 3,222 |
| Average equity | $20,977,600 | 3,041 |
| Average total loans | $119,528,800 | 2,948 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6475% | 454 |
| Cost of funding earning assets | 1.0431% | 1,568 |
| Net interest margin | 4.6044% | 614 |
| Noninterest income to average assets | 0.3648% | 3,532 |
| Noninterest expense to average assets | 2.5051% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0536% | 360 |
| Return on assets (ROA) | 2.1792% | 294 |
| Pretax return on assets | 2.2959% | 372 |
| Return on Equity (ROE) | 16.2207% | 579 |
| Retained earnings to average equity (ytd only) | 7.3479% | 1,693 |
| Net charge-offs to loans | -0.1743% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6567% | 4,428 |
| Assets per employee ($millions) | 6.1098% | 1,525 |
| Cash dividends to net income (ytd only)* | 54.7005% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 1,401 |
| Loan loss allowance to noncurrent loans | 696.8872% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 3,740 |
| Noncurrent loans to loans | 0.2079% | 3,792 |
| Net loans and leases to total assets | 76.6968% | 1,359 |
| Net loans and leases to deposits | 101.5325% | 530 |
| Net loans and leases to core deposits | 121.6341% | 482 |
| Total domestic deposits to total assets | 75.5392% | 4,691 |
| Equity capital to assets | 13.5905% | 1,320 |
| Core capital (leverage) ratio | 13.3656% | 1,189 |
| Tier 1 risk-based capital ratio | 14.9643% | 2,864 |
| Total risk-based capital ratio | 16.2146% | 2,795 |
| Memoranda: | ||
| Average total assets | $154,241,000 | 3,280 |
| Average earning assets | $144,178,000 | 3,261 |
| Average equity | $20,722,000 | 3,088 |
| Average total loans | $118,567,500 | 2,987 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6919% | 414 |
| Cost of funding earning assets | 1.0315% | 1,565 |
| Net interest margin | 4.6605% | 538 |
| Noninterest income to average assets | 0.3458% | 3,620 |
| Noninterest expense to average assets | 2.5356% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0506% | 356 |
| Return on assets (ROA) | 2.0432% | 375 |
| Pretax return on assets | 2.1519% | 497 |
| Return on Equity (ROE) | 15.2694% | 712 |
| Retained earnings to average equity (ytd only) | 5.7750% | 2,385 |
| Net charge-offs to loans | -0.2669% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0028% | 4,471 |
| Assets per employee ($millions) | 6.1242% | 1,459 |
| Cash dividends to net income (ytd only)* | 62.1795% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 1,240 |
| Loan loss allowance to noncurrent loans | 340.8745% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 2,939 |
| Noncurrent loans to loans | 0.4433% | 2,940 |
| Net loans and leases to total assets | 76.3340% | 1,501 |
| Net loans and leases to deposits | 98.3978% | 806 |
| Net loans and leases to core deposits | 117.2366% | 639 |
| Total domestic deposits to total assets | 77.5770% | 4,465 |
| Equity capital to assets | 13.7428% | 1,223 |
| Core capital (leverage) ratio | 12.9968% | 1,297 |
| Tier 1 risk-based capital ratio | 15.3359% | 2,690 |
| Total risk-based capital ratio | 16.5874% | 2,620 |
| Memoranda: | ||
| Average total assets | $152,703,330 | 3,319 |
| Average earning assets | $142,517,670 | 3,301 |
| Average equity | $20,433,000 | 3,108 |
| Average total loans | $116,881,000 | 3,014 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3924% | 642 |
| Cost of funding earning assets | 0.9825% | 1,642 |
| Net interest margin | 4.4099% | 880 |
| Noninterest income to average assets | 0.3331% | 3,637 |
| Noninterest expense to average assets | 2.5232% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8098% | 569 |
| Return on assets (ROA) | 1.8098% | 585 |
| Pretax return on assets | 1.9069% | 786 |
| Return on Equity (ROE) | 13.7116% | 1,029 |
| Retained earnings to average equity (ytd only) | 10.7308% | 874 |
| Net charge-offs to loans | 0.0069% | 2,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 363.5000% | 219 |
| Efficiency ratio | 56.9568% | 4,220 |
| Assets per employee ($millions) | 6.0846% | 1,480 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,681 |
| Loan loss allowance to noncurrent loans | 167.7618% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 2,036 |
| Noncurrent loans to loans | 0.8339% | 1,972 |
| Net loans and leases to total assets | 75.7126% | 1,530 |
| Net loans and leases to deposits | 99.1640% | 686 |
| Net loans and leases to core deposits | 110.6127% | 892 |
| Total domestic deposits to total assets | 76.3509% | 4,722 |
| Equity capital to assets | 13.5476% | 1,191 |
| Core capital (leverage) ratio | 13.2885% | 1,152 |
| Tier 1 risk-based capital ratio | 14.6356% | 3,043 |
| Total risk-based capital ratio | 15.8410% | 2,986 |
| Memoranda: | ||
| Average total assets | $152,502,000 | 3,359 |
| Average earning assets | $141,681,500 | 3,350 |
| Average equity | $20,129,000 | 3,152 |
| Average total loans | $115,989,000 | 3,065 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3110% | 573 |
| Cost of funding earning assets | 0.8023% | 1,513 |
| Net interest margin | 4.5087% | 749 |
| Noninterest income to average assets | 0.4188% | 3,319 |
| Noninterest expense to average assets | 2.5034% | 3,602 |
| Loan and lease loss provision to assets | 0.0898% | 2,346 |
| Net operating income to assets | 1.9103% | 433 |
| Return on assets (ROA) | 1.9610% | 389 |
| Pretax return on assets | 2.0697% | 475 |
| Return on Equity (ROE) | 15.3499% | 755 |
| Retained earnings to average equity (ytd only) | 8.0530% | 1,211 |
| Net charge-offs to loans | -0.1473% | 5,221 |
| Credit loss provision to net charge-offs | -80.1205% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3083% | 4,584 |
| Assets per employee ($millions) | 6.1155% | 1,446 |
| Cash dividends to net income (ytd only)* | 47.5370% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 1,557 |
| Loan loss allowance to noncurrent loans | 156.7050% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 1,896 |
| Noncurrent loans to loans | 0.9065% | 1,767 |
| Net loans and leases to total assets | 74.2616% | 1,896 |
| Net loans and leases to deposits | 96.6618% | 1,009 |
| Net loans and leases to core deposits | 106.2961% | 1,251 |
| Total domestic deposits to total assets | 76.8262% | 4,653 |
| Equity capital to assets | 12.8525% | 1,416 |
| Core capital (leverage) ratio | 12.7746% | 1,326 |
| Tier 1 risk-based capital ratio | 14.3243% | 3,157 |
| Total risk-based capital ratio | 15.5386% | 3,089 |
| Memoranda: | ||
| Average total assets | $148,038,000 | 3,408 |
| Average earning assets | $137,600,000 | 3,389 |
| Average equity | $18,912,200 | 3,191 |
| Average total loans | $112,706,800 | 3,098 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2181% | 610 |
| Cost of funding earning assets | 0.7368% | 1,643 |
| Net interest margin | 4.4813% | 767 |
| Noninterest income to average assets | 0.4059% | 3,445 |
| Noninterest expense to average assets | 2.5036% | 3,590 |
| Loan and lease loss provision to assets | 0.1208% | 1,675 |
| Net operating income to assets | 1.8610% | 538 |
| Return on assets (ROA) | 1.9197% | 460 |
| Pretax return on assets | 2.0187% | 594 |
| Return on Equity (ROE) | 15.0504% | 868 |
| Retained earnings to average equity (ytd only) | 7.6818% | 1,805 |
| Net charge-offs to loans | 0.0476% | 2,144 |
| Credit loss provision to net charge-offs | 332.5000% | 948 |
| Earnings coverage of net charge-offs (x) | 57.2021% | 1,083 |
| Efficiency ratio | 54.6482% | 4,546 |
| Assets per employee ($millions) | 5.7458% | 1,694 |
| Cash dividends to net income (ytd only)* | 48.9594% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,427 |
| Loan loss allowance to noncurrent loans | 130.7130% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 1,909 |
| Noncurrent loans to loans | 0.9446% | 1,797 |
| Net loans and leases to total assets | 76.5657% | 1,574 |
| Net loans and leases to deposits | 99.8464% | 797 |
| Net loans and leases to core deposits | 110.4040% | 1,009 |
| Total domestic deposits to total assets | 76.6835% | 4,692 |
| Equity capital to assets | 12.6821% | 1,479 |
| Core capital (leverage) ratio | 12.8771% | 1,335 |
| Tier 1 risk-based capital ratio | 14.7167% | 3,011 |
| Total risk-based capital ratio | 15.8328% | 2,997 |
| Memoranda: | ||
| Average total assets | $146,825,500 | 3,459 |
| Average earning assets | $136,802,500 | 3,442 |
| Average equity | $18,727,750 | 3,231 |
| Average total loans | $112,090,250 | 3,134 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 609 |
| Cost of funding earning assets | 0.6817% | 1,727 |
| Net interest margin | 4.4644% | 741 |
| Noninterest income to average assets | 0.4001% | 3,486 |
| Noninterest expense to average assets | 2.4978% | 3,638 |
| Loan and lease loss provision to assets | 0.1439% | 1,340 |
| Net operating income to assets | 1.8146% | 563 |
| Return on assets (ROA) | 1.8497% | 526 |
| Pretax return on assets | 1.9497% | 688 |
| Return on Equity (ROE) | 14.4733% | 964 |
| Retained earnings to average equity (ytd only) | 7.0759% | 2,041 |
| Net charge-offs to loans | 0.0595% | 1,754 |
| Credit loss provision to net charge-offs | 318.1818% | 966 |
| Earnings coverage of net charge-offs (x) | 45.4848% | 1,202 |
| Efficiency ratio | 54.8436% | 4,600 |
| Assets per employee ($millions) | 5.6596% | 1,749 |
| Cash dividends to net income (ytd only)* | 51.1111% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 2,402 |
| Loan loss allowance to noncurrent loans | 164.0279% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 2,325 |
| Noncurrent loans to loans | 0.7650% | 2,207 |
| Net loans and leases to total assets | 75.3490% | 1,746 |
| Net loans and leases to deposits | 94.6954% | 1,283 |
| Net loans and leases to core deposits | 104.1490% | 1,385 |
| Total domestic deposits to total assets | 79.5698% | 4,338 |
| Equity capital to assets | 12.7727% | 1,407 |
| Core capital (leverage) ratio | 12.9041% | 1,267 |
| Tier 1 risk-based capital ratio | 14.5556% | 3,092 |
| Total risk-based capital ratio | 15.6680% | 3,069 |
| Memoranda: | ||
| Average total assets | $145,970,000 | 3,489 |
| Average earning assets | $135,830,670 | 3,474 |
| Average equity | $18,655,000 | 3,258 |
| Average total loans | $110,849,330 | 3,163 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0610% | 620 |
| Cost of funding earning assets | 0.6234% | 1,894 |
| Net interest margin | 4.4376% | 706 |
| Noninterest income to average assets | 0.3852% | 3,565 |
| Noninterest expense to average assets | 2.4625% | 3,768 |
| Loan and lease loss provision to assets | 0.2311% | 674 |
| Net operating income to assets | 1.7215% | 659 |
| Return on assets (ROA) | 1.7939% | 574 |
| Pretax return on assets | 1.9012% | 721 |
| Return on Equity (ROE) | 14.0328% | 1,008 |
| Retained earnings to average equity (ytd only) | 10.8044% | 939 |
| Net charge-offs to loans | 0.1090% | 1,121 |
| Credit loss provision to net charge-offs | 280.0000% | 859 |
| Earnings coverage of net charge-offs (x) | 24.9000% | 1,350 |
| Efficiency ratio | 54.5067% | 4,746 |
| Assets per employee ($millions) | 6.3240% | 1,300 |
| Cash dividends to net income (ytd only)* | 23.0061% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,524 |
| Loan loss allowance to noncurrent loans | 126.5696% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 1,970 |
| Noncurrent loans to loans | 0.9871% | 1,850 |
| Net loans and leases to total assets | 75.5858% | 1,607 |
| Net loans and leases to deposits | 94.1252% | 1,215 |
| Net loans and leases to core deposits | 103.7796% | 1,390 |
| Total domestic deposits to total assets | 80.3035% | 4,363 |
| Equity capital to assets | 12.8104% | 1,335 |
| Core capital (leverage) ratio | 12.8607% | 1,226 |
| Tier 1 risk-based capital ratio | 14.1619% | 3,296 |
| Total risk-based capital ratio | 15.2396% | 3,301 |
| Memoranda: | ||
| Average total assets | $145,380,000 | 3,527 |
| Average earning assets | $135,388,500 | 3,516 |
| Average equity | $18,585,000 | 3,298 |
| Average total loans | $110,131,500 | 3,187 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 601 |
| Cost of funding earning assets | 0.5514% | 1,942 |
| Net interest margin | 4.4883% | 629 |
| Noninterest income to average assets | 0.4585% | 3,256 |
| Noninterest expense to average assets | 2.4838% | 3,839 |
| Loan and lease loss provision to assets | 0.3347% | 495 |
| Net operating income to assets | 1.7251% | 502 |
| Return on assets (ROA) | 1.8317% | 399 |
| Pretax return on assets | 1.9296% | 571 |
| Return on Equity (ROE) | 13.6251% | 826 |
| Retained earnings to average equity (ytd only) | 1.4187% | 4,439 |
| Net charge-offs to loans | 0.4092% | 611 |
| Credit loss provision to net charge-offs | 109.9291% | 2,374 |
| Earnings coverage of net charge-offs (x) | 7.0686% | 3,095 |
| Efficiency ratio | 53.5786% | 4,980 |
| Assets per employee ($millions) | 6.3177% | 1,305 |
| Cash dividends to net income (ytd only)* | 89.5874% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,619 |
| Loan loss allowance to noncurrent loans | 112.0704% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 1,902 |
| Noncurrent loans to loans | 1.0952% | 1,620 |
| Net loans and leases to total assets | 74.0455% | 1,914 |
| Net loans and leases to deposits | 89.9653% | 1,780 |
| Net loans and leases to core deposits | 98.6666% | 1,813 |
| Total domestic deposits to total assets | 82.3045% | 3,786 |
| Equity capital to assets | 12.7570% | 1,376 |
| Core capital (leverage) ratio | 12.6162% | 1,301 |
| Tier 1 risk-based capital ratio | 13.9943% | 3,362 |
| Total risk-based capital ratio | 15.0469% | 3,386 |
| Memoranda: | ||
| Average total assets | $138,938,800 | 3,626 |
| Average earning assets | $129,313,400 | 3,596 |
| Average equity | $18,678,800 | 3,280 |
| Average total loans | $103,362,800 | 3,294 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 615 |
| Cost of funding earning assets | 0.5272% | 2,058 |
| Net interest margin | 4.4722% | 635 |
| Noninterest income to average assets | 0.4592% | 3,280 |
| Noninterest expense to average assets | 2.4424% | 3,909 |
| Loan and lease loss provision to assets | 0.0680% | 2,714 |
| Net operating income to assets | 2.0080% | 312 |
| Return on assets (ROA) | 2.1463% | 243 |
| Pretax return on assets | 2.2609% | 312 |
| Return on Equity (ROE) | 15.7523% | 554 |
| Retained earnings to average equity (ytd only) | 3.5694% | 3,790 |
| Net charge-offs to loans | 0.0039% | 3,601 |
| Credit loss provision to net charge-offs | 2,333.3333% | 183 |
| Earnings coverage of net charge-offs (x) | 749.6475% | 140 |
| Efficiency ratio | 52.8017% | 5,039 |
| Assets per employee ($millions) | 6.0985% | 1,427 |
| Cash dividends to net income (ytd only)* | 77.3404% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 2,401 |
| Loan loss allowance to noncurrent loans | 1,125.6198% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 4,812 |
| Noncurrent loans to loans | 0.1147% | 4,600 |
| Net loans and leases to total assets | 74.2309% | 1,879 |
| Net loans and leases to deposits | 92.9062% | 1,434 |
| Net loans and leases to core deposits | 101.7492% | 1,566 |
| Total domestic deposits to total assets | 79.8988% | 4,334 |
| Equity capital to assets | 13.5565% | 1,131 |
| Core capital (leverage) ratio | 13.1746% | 1,138 |
| Tier 1 risk-based capital ratio | 15.4071% | 2,745 |
| Total risk-based capital ratio | 16.5721% | 2,723 |
| Memoranda: | ||
| Average total assets | $137,346,500 | 3,681 |
| Average earning assets | $127,957,000 | 3,647 |
| Average equity | $18,714,250 | 3,303 |
| Average total loans | $101,970,750 | 3,348 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9226% | 663 |
| Cost of funding earning assets | 0.4866% | 2,278 |
| Net interest margin | 4.4360% | 653 |
| Noninterest income to average assets | 0.4385% | 3,433 |
| Noninterest expense to average assets | 2.3993% | 4,051 |
| Loan and lease loss provision to assets | 0.0704% | 2,565 |
| Net operating income to assets | 1.9931% | 314 |
| Return on assets (ROA) | 1.9931% | 319 |
| Pretax return on assets | 2.1001% | 444 |
| Return on Equity (ROE) | 14.6019% | 720 |
| Retained earnings to average equity (ytd only) | 2.3531% | 4,273 |
| Net charge-offs to loans | 0.0040% | 3,348 |
| Credit loss provision to net charge-offs | 2,400.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 740.0000% | 105 |
| Efficiency ratio | 52.5032% | 5,135 |
| Assets per employee ($millions) | 6.2811% | 1,264 |
| Cash dividends to net income (ytd only)* | 83.8852% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,423 |
| Loan loss allowance to noncurrent loans | 1,099.1803% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 4,838 |
| Noncurrent loans to loans | 0.1181% | 4,646 |
| Net loans and leases to total assets | 73.7996% | 1,908 |
| Net loans and leases to deposits | 97.3129% | 956 |
| Net loans and leases to core deposits | 106.0370% | 1,232 |
| Total domestic deposits to total assets | 75.8375% | 5,112 |
| Equity capital to assets | 13.6867% | 1,072 |
| Core capital (leverage) ratio | 12.9947% | 1,178 |
| Tier 1 risk-based capital ratio | 15.3566% | 2,777 |
| Total risk-based capital ratio | 16.5181% | 2,748 |
| Memoranda: | ||
| Average total assets | $136,373,670 | 3,719 |
| Average earning assets | $127,007,330 | 3,688 |
| Average equity | $18,614,000 | 3,316 |
| Average total loans | $100,800,330 | 3,387 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7630% | 811 |
| Cost of funding earning assets | 0.4327% | 2,692 |
| Net interest margin | 4.3303% | 727 |
| Noninterest income to average assets | 0.4104% | 3,586 |
| Noninterest expense to average assets | 2.3829% | 4,173 |
| Loan and lease loss provision to assets | 0.0738% | 2,328 |
| Net operating income to assets | 1.8691% | 390 |
| Return on assets (ROA) | 1.8691% | 406 |
| Pretax return on assets | 1.9724% | 535 |
| Return on Equity (ROE) | 13.7128% | 860 |
| Retained earnings to average equity (ytd only) | 4.0727% | 3,420 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8000% | 5,147 |
| Assets per employee ($millions) | 6.1596% | 1,391 |
| Cash dividends to net income (ytd only)* | 70.3002% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 2,484 |
| Loan loss allowance to noncurrent loans | 709.6774% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 4,713 |
| Noncurrent loans to loans | 0.1847% | 4,462 |
| Net loans and leases to total assets | 73.3382% | 1,849 |
| Net loans and leases to deposits | 96.3228% | 911 |
| Net loans and leases to core deposits | 104.8212% | 1,169 |
| Total domestic deposits to total assets | 76.1379% | 5,217 |
| Equity capital to assets | 13.7582% | 985 |
| Core capital (leverage) ratio | 13.5970% | 945 |
| Tier 1 risk-based capital ratio | 15.3652% | 2,810 |
| Total risk-based capital ratio | 16.5111% | 2,787 |
| Memoranda: | ||
| Average total assets | $135,468,000 | 3,765 |
| Average earning assets | $125,719,000 | 3,741 |
| Average equity | $18,464,500 | 3,350 |
| Average total loans | $99,540,000 | 3,428 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 718 |
| Cost of funding earning assets | 0.3881% | 3,122 |
| Net interest margin | 4.5283% | 586 |
| Noninterest income to average assets | 0.4430% | 3,591 |
| Noninterest expense to average assets | 2.5607% | 3,809 |
| Loan and lease loss provision to assets | 0.0906% | 2,546 |
| Net operating income to assets | 1.9447% | 358 |
| Return on assets (ROA) | 1.9557% | 368 |
| Pretax return on assets | 2.0595% | 439 |
| Return on Equity (ROE) | 13.3676% | 913 |
| Retained earnings to average equity (ytd only) | 1.0853% | 4,871 |
| Net charge-offs to loans | 0.0305% | 3,409 |
| Credit loss provision to net charge-offs | 403.4483% | 789 |
| Earnings coverage of net charge-offs (x) | 95.2069% | 627 |
| Efficiency ratio | 54.4915% | 5,202 |
| Assets per employee ($millions) | 6.1556% | 1,367 |
| Cash dividends to net income (ytd only)* | 91.8812% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,453 |
| Loan loss allowance to noncurrent loans | 570.4846% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 4,549 |
| Noncurrent loans to loans | 0.2307% | 4,324 |
| Net loans and leases to total assets | 71.6882% | 2,207 |
| Net loans and leases to deposits | 92.7010% | 1,343 |
| Net loans and leases to core deposits | 100.7169% | 1,560 |
| Total domestic deposits to total assets | 77.3327% | 5,073 |
| Equity capital to assets | 13.5020% | 1,047 |
| Core capital (leverage) ratio | 13.3897% | 1,008 |
| Tier 1 risk-based capital ratio | 14.9613% | 2,979 |
| Total risk-based capital ratio | 16.0677% | 2,988 |
| Memoranda: | ||
| Average total assets | $129,107,400 | 3,847 |
| Average earning assets | $121,347,200 | 3,803 |
| Average equity | $18,889,000 | 3,282 |
| Average total loans | $95,134,000 | 3,479 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8774% | 762 |
| Cost of funding earning assets | 0.3758% | 3,273 |
| Net interest margin | 4.5017% | 628 |
| Noninterest income to average assets | 0.4600% | 3,488 |
| Noninterest expense to average assets | 2.5751% | 3,747 |
| Loan and lease loss provision to assets | 0.1223% | 1,903 |
| Net operating income to assets | 1.9172% | 392 |
| Return on assets (ROA) | 1.9321% | 403 |
| Pretax return on assets | 2.0366% | 526 |
| Return on Equity (ROE) | 12.9409% | 1,075 |
| Retained earnings to average equity (ytd only) | 0.7563% | 5,164 |
| Net charge-offs to loans | 0.0283% | 3,096 |
| Credit loss provision to net charge-offs | 585.0000% | 625 |
| Earnings coverage of net charge-offs (x) | 102.4848% | 646 |
| Efficiency ratio | 54.5757% | 5,193 |
| Assets per employee ($millions) | 5.9349% | 1,476 |
| Cash dividends to net income (ytd only)* | 94.1557% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 2,405 |
| Loan loss allowance to noncurrent loans | 192.8994% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 3,282 |
| Noncurrent loans to loans | 0.7035% | 2,929 |
| Net loans and leases to total assets | 72.5987% | 2,093 |
| Net loans and leases to deposits | 98.0674% | 846 |
| Net loans and leases to core deposits | 107.0118% | 1,109 |
| Total domestic deposits to total assets | 74.0294% | 5,430 |
| Equity capital to assets | 14.6300% | 830 |
| Core capital (leverage) ratio | 13.7009% | 941 |
| Tier 1 risk-based capital ratio | 15.9768% | 2,635 |
| Total risk-based capital ratio | 17.1733% | 2,598 |
| Memoranda: | ||
| Average total assets | $127,528,250 | 3,899 |
| Average earning assets | $120,633,750 | 3,838 |
| Average equity | $19,040,000 | 3,289 |
| Average total loans | $94,323,000 | 3,509 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8713% | 769 |
| Cost of funding earning assets | 0.3639% | 3,416 |
| Net interest margin | 4.5073% | 610 |
| Noninterest income to average assets | 0.4490% | 3,534 |
| Noninterest expense to average assets | 2.5625% | 3,849 |
| Loan and lease loss provision to assets | 0.1186% | 1,923 |
| Net operating income to assets | 1.9314% | 377 |
| Return on assets (ROA) | 1.9539% | 378 |
| Pretax return on assets | 2.0598% | 510 |
| Return on Equity (ROE) | 12.9973% | 1,031 |
| Retained earnings to average equity (ytd only) | 0.7992% | 5,061 |
| Net charge-offs to loans | 0.0171% | 3,172 |
| Credit loss provision to net charge-offs | 937.5000% | 395 |
| Earnings coverage of net charge-offs (x) | 170.3750% | 374 |
| Efficiency ratio | 54.3231% | 5,283 |
| Assets per employee ($millions) | 5.7708% | 1,564 |
| Cash dividends to net income (ytd only)* | 93.8511% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 2,385 |
| Loan loss allowance to noncurrent loans | 83.9262% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.1957% | 1,741 |
| Noncurrent loans to loans | 1.6430% | 1,301 |
| Net loans and leases to total assets | 71.7708% | 2,209 |
| Net loans and leases to deposits | 95.7273% | 1,106 |
| Net loans and leases to core deposits | 103.1132% | 1,389 |
| Total domestic deposits to total assets | 74.9742% | 5,413 |
| Equity capital to assets | 15.1878% | 697 |
| Core capital (leverage) ratio | 13.9196% | 848 |
| Tier 1 risk-based capital ratio | 16.3839% | 2,471 |
| Total risk-based capital ratio | 17.5847% | 2,434 |
| Memoranda: | ||
| Average total assets | $126,515,330 | 3,935 |
| Average earning assets | $119,804,330 | 3,885 |
| Average equity | $19,019,330 | 3,299 |
| Average total loans | $93,732,670 | 3,527 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 697 |
| Cost of funding earning assets | 0.3546% | 3,554 |
| Net interest margin | 4.5435% | 562 |
| Noninterest income to average assets | 0.4244% | 3,652 |
| Noninterest expense to average assets | 2.4989% | 4,070 |
| Loan and lease loss provision to assets | 0.1204% | 1,751 |
| Net operating income to assets | 1.9953% | 335 |
| Return on assets (ROA) | 1.9953% | 355 |
| Pretax return on assets | 2.1062% | 458 |
| Return on Equity (ROE) | 13.3418% | 958 |
| Retained earnings to average equity (ytd only) | 5.4003% | 2,711 |
| Net charge-offs to loans | 0.0042% | 2,977 |
| Credit loss provision to net charge-offs | 3,800.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 703.0000% | 66 |
| Efficiency ratio | 52.8820% | 5,460 |
| Assets per employee ($millions) | 5.7109% | 1,658 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 2,685 |
| Loan loss allowance to noncurrent loans | 105.2453% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 2,355 |
| Noncurrent loans to loans | 1.2778% | 1,888 |
| Net loans and leases to total assets | 72.6361% | 1,931 |
| Net loans and leases to deposits | 94.8471% | 1,056 |
| Net loans and leases to core deposits | 101.2504% | 1,391 |
| Total domestic deposits to total assets | 76.5823% | 5,348 |
| Equity capital to assets | 15.1831% | 657 |
| Core capital (leverage) ratio | 13.9745% | 817 |
| Tier 1 risk-based capital ratio | 16.1788% | 2,595 |
| Total risk-based capital ratio | 17.3249% | 2,598 |
| Memoranda: | ||
| Average total assets | $126,294,500 | 3,972 |
| Average earning assets | $119,555,000 | 3,919 |
| Average equity | $18,888,000 | 3,315 |
| Average total loans | $94,403,000 | 3,525 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 874 |
| Cost of funding earning assets | 0.3376% | 3,817 |
| Net interest margin | 4.4941% | 662 |
| Noninterest income to average assets | 0.5009% | 3,325 |
| Noninterest expense to average assets | 2.4883% | 4,262 |
| Loan and lease loss provision to assets | 0.1866% | 1,197 |
| Net operating income to assets | 1.9578% | 371 |
| Return on assets (ROA) | 1.9859% | 360 |
| Pretax return on assets | 2.0911% | 444 |
| Return on Equity (ROE) | 13.7258% | 907 |
| Retained earnings to average equity (ytd only) | 6.2014% | 1,703 |
| Net charge-offs to loans | 0.1868% | 1,547 |
| Credit loss provision to net charge-offs | 133.7143% | 1,963 |
| Earnings coverage of net charge-offs (x) | 16.1086% | 2,157 |
| Efficiency ratio | 52.5341% | 5,605 |
| Assets per employee ($millions) | 5.7704% | 1,563 |
| Cash dividends to net income (ytd only)* | 54.8193% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 3,157 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 3,167 |
| Noncurrent loans to loans | 0.8349% | 2,699 |
| Net loans and leases to total assets | 74.9088% | 1,586 |
| Net loans and leases to deposits | 93.9832% | 1,202 |
| Net loans and leases to core deposits | 99.6928% | 1,526 |
| Total domestic deposits to total assets | 79.7044% | 4,820 |
| Equity capital to assets | 14.7303% | 720 |
| Core capital (leverage) ratio | 14.0812% | 795 |
| Tier 1 risk-based capital ratio | 15.1900% | 3,085 |
| Total risk-based capital ratio | 16.2486% | 3,113 |
| Memoranda: | ||
| Average total assets | $125,386,200 | 3,975 |
| Average earning assets | $118,178,000 | 3,918 |
| Average equity | $18,141,000 | 3,364 |
| Average total loans | $93,663,800 | 3,513 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 866 |
| Cost of funding earning assets | 0.3374% | 3,894 |
| Net interest margin | 4.5057% | 639 |
| Noninterest income to average assets | 0.4747% | 3,539 |
| Noninterest expense to average assets | 2.4694% | 4,285 |
| Loan and lease loss provision to assets | 0.1963% | 1,030 |
| Net operating income to assets | 1.9465% | 391 |
| Return on assets (ROA) | 1.9840% | 385 |
| Pretax return on assets | 2.0928% | 505 |
| Return on Equity (ROE) | 13.7765% | 950 |
| Retained earnings to average equity (ytd only) | 6.1180% | 2,174 |
| Net charge-offs to loans | 0.0803% | 2,411 |
| Credit loss provision to net charge-offs | 328.5714% | 894 |
| Earnings coverage of net charge-offs (x) | 37.6631% | 1,305 |
| Efficiency ratio | 52.3282% | 5,632 |
| Assets per employee ($millions) | 5.6180% | 1,673 |
| Cash dividends to net income (ytd only)* | 55.5913% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 2,680 |
| Loan loss allowance to noncurrent loans | 56.6859% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.8213% | 1,168 |
| Noncurrent loans to loans | 2.4425% | 839 |
| Net loans and leases to total assets | 73.5339% | 1,814 |
| Net loans and leases to deposits | 96.2306% | 982 |
| Net loans and leases to core deposits | 103.4453% | 1,267 |
| Total domestic deposits to total assets | 76.4143% | 5,429 |
| Equity capital to assets | 14.8767% | 770 |
| Core capital (leverage) ratio | 13.9942% | 868 |
| Tier 1 risk-based capital ratio | 16.3541% | 2,647 |
| Total risk-based capital ratio | 17.5725% | 2,609 |
| Memoranda: | ||
| Average total assets | $124,995,500 | 4,021 |
| Average earning assets | $117,743,500 | 3,967 |
| Average equity | $18,001,250 | 3,413 |
| Average total loans | $93,004,250 | 3,555 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8131% | 871 |
| Cost of funding earning assets | 0.3336% | 4,004 |
| Net interest margin | 4.4795% | 665 |
| Noninterest income to average assets | 0.4559% | 3,655 |
| Noninterest expense to average assets | 2.4422% | 4,422 |
| Loan and lease loss provision to assets | 0.1881% | 1,068 |
| Net operating income to assets | 1.9318% | 415 |
| Return on assets (ROA) | 1.9879% | 387 |
| Pretax return on assets | 2.1010% | 495 |
| Return on Equity (ROE) | 13.9543% | 914 |
| Retained earnings to average equity (ytd only) | 6.0875% | 2,180 |
| Net charge-offs to loans | 0.1115% | 1,888 |
| Credit loss provision to net charge-offs | 226.9231% | 1,122 |
| Earnings coverage of net charge-offs (x) | 26.9038% | 1,467 |
| Efficiency ratio | 52.2689% | 5,694 |
| Assets per employee ($millions) | 5.6688% | 1,604 |
| Cash dividends to net income (ytd only)* | 56.3753% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 3,190 |
| Loan loss allowance to noncurrent loans | 145.2153% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 3,392 |
| Noncurrent loans to loans | 0.9023% | 2,867 |
| Net loans and leases to total assets | 73.3171% | 1,766 |
| Net loans and leases to deposits | 94.7739% | 1,071 |
| Net loans and leases to core deposits | 101.2412% | 1,383 |
| Total domestic deposits to total assets | 77.3600% | 5,398 |
| Equity capital to assets | 14.2984% | 878 |
| Core capital (leverage) ratio | 13.9817% | 842 |
| Tier 1 risk-based capital ratio | 15.5843% | 3,055 |
| Total risk-based capital ratio | 16.6794% | 3,082 |
| Memoranda: | ||
| Average total assets | $125,462,000 | 4,049 |
| Average earning assets | $118,093,670 | 3,989 |
| Average equity | $17,872,670 | 3,439 |
| Average total loans | $93,285,330 | 3,569 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7680% | 911 |
| Cost of funding earning assets | 0.3314% | 4,073 |
| Net interest margin | 4.4366% | 678 |
| Noninterest income to average assets | 0.4132% | 3,894 |
| Noninterest expense to average assets | 2.3809% | 4,648 |
| Loan and lease loss provision to assets | 0.0985% | 2,052 |
| Net operating income to assets | 1.9923% | 346 |
| Return on assets (ROA) | 1.9168% | 418 |
| Pretax return on assets | 2.0248% | 559 |
| Return on Equity (ROE) | 13.4801% | 990 |
| Retained earnings to average equity (ytd only) | 10.6857% | 777 |
| Net charge-offs to loans | 0.0043% | 3,176 |
| Credit loss provision to net charge-offs | 3,100.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 693.0000% | 65 |
| Efficiency ratio | 51.9417% | 5,812 |
| Assets per employee ($millions) | 6.1443% | 1,298 |
| Cash dividends to net income (ytd only)* | 20.7297% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 3,507 |
| Loan loss allowance to noncurrent loans | 323.6264% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 4,786 |
| Noncurrent loans to loans | 0.3961% | 4,402 |
| Net loans and leases to total assets | 73.8259% | 1,530 |
| Net loans and leases to deposits | 92.5413% | 1,127 |
| Net loans and leases to core deposits | 98.7439% | 1,407 |
| Total domestic deposits to total assets | 79.7762% | 5,099 |
| Equity capital to assets | 14.8008% | 753 |
| Core capital (leverage) ratio | 13.3748% | 1,022 |
| Tier 1 risk-based capital ratio | 15.0951% | 3,383 |
| Total risk-based capital ratio | 16.1578% | 3,418 |
| Memoranda: | ||
| Average total assets | $125,836,500 | 4,068 |
| Average earning assets | $118,288,500 | 4,010 |
| Average equity | $17,893,000 | 3,466 |
| Average total loans | $93,603,000 | 3,572 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 1,120 |
| Cost of funding earning assets | 0.2951% | 4,840 |
| Net interest margin | 4.5039% | 744 |
| Noninterest income to average assets | 0.4717% | 3,699 |
| Noninterest expense to average assets | 2.5086% | 4,520 |
| Loan and lease loss provision to assets | 0.1443% | 1,837 |
| Net operating income to assets | 1.9328% | 370 |
| Return on assets (ROA) | 1.9758% | 352 |
| Pretax return on assets | 2.0806% | 431 |
| Return on Equity (ROE) | 14.2299% | 895 |
| Retained earnings to average equity (ytd only) | 7.0437% | 1,388 |
| Net charge-offs to loans | 0.0337% | 4,155 |
| Credit loss provision to net charge-offs | 583.3333% | 455 |
| Earnings coverage of net charge-offs (x) | 88.1000% | 586 |
| Efficiency ratio | 53.5092% | 5,883 |
| Assets per employee ($millions) | 6.4394% | 1,086 |
| Cash dividends to net income (ytd only)* | 50.5008% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 3,971 |
| Loan loss allowance to noncurrent loans | 620.5405% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 5,457 |
| Noncurrent loans to loans | 0.1941% | 5,127 |
| Net loans and leases to total assets | 73.1116% | 1,734 |
| Net loans and leases to deposits | 94.4253% | 1,040 |
| Net loans and leases to core deposits | 100.3667% | 1,371 |
| Total domestic deposits to total assets | 77.4280% | 5,534 |
| Equity capital to assets | 13.6643% | 1,087 |
| Core capital (leverage) ratio | 13.1591% | 1,079 |
| Tier 1 risk-based capital ratio | 14.7204% | 3,647 |
| Total risk-based capital ratio | 15.7648% | 3,709 |
| Memoranda: | ||
| Average total assets | $121,264,400 | 4,154 |
| Average earning assets | $113,524,000 | 4,100 |
| Average equity | $16,837,800 | 3,550 |
| Average total loans | $89,049,400 | 3,654 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 1,079 |
| Cost of funding earning assets | 0.2837% | 5,055 |
| Net interest margin | 4.5317% | 696 |
| Noninterest income to average assets | 0.4601% | 3,822 |
| Noninterest expense to average assets | 2.4671% | 4,626 |
| Loan and lease loss provision to assets | 0.1954% | 1,230 |
| Net operating income to assets | 1.9396% | 384 |
| Return on assets (ROA) | 1.9980% | 360 |
| Pretax return on assets | 2.1052% | 453 |
| Return on Equity (ROE) | 14.3279% | 924 |
| Retained earnings to average equity (ytd only) | 7.0558% | 1,789 |
| Net charge-offs to loans | 0.0198% | 4,133 |
| Credit loss provision to net charge-offs | 1,346.1538% | 257 |
| Earnings coverage of net charge-offs (x) | 154.2568% | 403 |
| Efficiency ratio | 52.4205% | 5,960 |
| Assets per employee ($millions) | 6.1166% | 1,248 |
| Cash dividends to net income (ytd only)* | 50.7548% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 3,805 |
| Loan loss allowance to noncurrent loans | 142.5949% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.6679% | 3,835 |
| Noncurrent loans to loans | 0.8913% | 3,342 |
| Net loans and leases to total assets | 73.9815% | 1,525 |
| Net loans and leases to deposits | 95.5671% | 918 |
| Net loans and leases to core deposits | 102.7871% | 1,170 |
| Total domestic deposits to total assets | 77.4131% | 5,613 |
| Equity capital to assets | 14.1549% | 952 |
| Core capital (leverage) ratio | 13.2906% | 1,068 |
| Tier 1 risk-based capital ratio | 15.3225% | 3,411 |
| Total risk-based capital ratio | 16.4469% | 3,419 |
| Memoranda: | ||
| Average total assets | $119,383,500 | 4,233 |
| Average earning assets | $111,862,000 | 4,178 |
| Average equity | $16,647,750 | 3,598 |
| Average total loans | $87,485,000 | 3,721 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 1,104 |
| Cost of funding earning assets | 0.2748% | 5,239 |
| Net interest margin | 4.5057% | 696 |
| Noninterest income to average assets | 0.4375% | 3,970 |
| Noninterest expense to average assets | 2.4594% | 4,700 |
| Loan and lease loss provision to assets | 0.2736% | 754 |
| Net operating income to assets | 1.8142% | 479 |
| Return on assets (ROA) | 1.8142% | 492 |
| Pretax return on assets | 1.9138% | 666 |
| Return on Equity (ROE) | 13.0776% | 1,157 |
| Retained earnings to average equity (ytd only) | 5.7108% | 2,507 |
| Net charge-offs to loans | 0.0256% | 3,688 |
| Credit loss provision to net charge-offs | 1,472.7273% | 249 |
| Earnings coverage of net charge-offs (x) | 117.7273% | 494 |
| Efficiency ratio | 52.9262% | 6,002 |
| Assets per employee ($millions) | 5.9982% | 1,279 |
| Cash dividends to net income (ytd only)* | 56.3315% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 3,735 |
| Loan loss allowance to noncurrent loans | 201.7483% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 4,542 |
| Noncurrent loans to loans | 0.6559% | 4,064 |
| Net loans and leases to total assets | 71.7307% | 1,791 |
| Net loans and leases to deposits | 93.9616% | 961 |
| Net loans and leases to core deposits | 99.1508% | 1,348 |
| Total domestic deposits to total assets | 76.3404% | 5,875 |
| Equity capital to assets | 14.0709% | 945 |
| Core capital (leverage) ratio | 13.4680% | 985 |
| Tier 1 risk-based capital ratio | 15.4304% | 3,393 |
| Total risk-based capital ratio | 16.5820% | 3,404 |
| Memoranda: | ||
| Average total assets | $118,400,670 | 4,278 |
| Average earning assets | $110,614,330 | 4,228 |
| Average equity | $16,425,000 | 3,633 |
| Average total loans | $86,090,670 | 3,762 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 1,085 |
| Cost of funding earning assets | 0.2741% | 5,344 |
| Net interest margin | 4.5058% | 652 |
| Noninterest income to average assets | 0.4183% | 4,044 |
| Noninterest expense to average assets | 2.4758% | 4,697 |
| Loan and lease loss provision to assets | 0.3945% | 429 |
| Net operating income to assets | 1.6392% | 631 |
| Return on assets (ROA) | 1.6392% | 658 |
| Pretax return on assets | 1.7412% | 893 |
| Return on Equity (ROE) | 11.9031% | 1,437 |
| Retained earnings to average equity (ytd only) | 4.4451% | 3,456 |
| Net charge-offs to loans | 0.0047% | 3,573 |
| Credit loss provision to net charge-offs | 11,600.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 628.0000% | 52 |
| Efficiency ratio | 53.6873% | 6,040 |
| Assets per employee ($millions) | 5.7558% | 1,494 |
| Cash dividends to net income (ytd only)* | 62.6556% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 3,876 |
| Loan loss allowance to noncurrent loans | 299.7319% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 5,177 |
| Noncurrent loans to loans | 0.4488% | 4,805 |
| Net loans and leases to total assets | 71.2314% | 1,690 |
| Net loans and leases to deposits | 86.4392% | 1,540 |
| Net loans and leases to core deposits | 91.0361% | 1,823 |
| Total domestic deposits to total assets | 82.4063% | 4,814 |
| Equity capital to assets | 14.2249% | 853 |
| Core capital (leverage) ratio | 13.1775% | 1,097 |
| Tier 1 risk-based capital ratio | 15.3166% | 3,544 |
| Total risk-based capital ratio | 16.4451% | 3,571 |
| Memoranda: | ||
| Average total assets | $117,619,000 | 4,321 |
| Average earning assets | $109,458,500 | 4,289 |
| Average equity | $16,197,500 | 3,669 |
| Average total loans | $85,533,500 | 3,813 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 1,717 |
| Cost of funding earning assets | 0.3621% | 5,029 |
| Net interest margin | 4.2873% | 1,142 |
| Noninterest income to average assets | 0.4881% | 3,832 |
| Noninterest expense to average assets | 2.4606% | 4,890 |
| Loan and lease loss provision to assets | 0.0779% | 3,552 |
| Net operating income to assets | 1.8774% | 416 |
| Return on assets (ROA) | 1.8980% | 416 |
| Pretax return on assets | 1.9984% | 481 |
| Return on Equity (ROE) | 13.8905% | 976 |
| Retained earnings to average equity (ytd only) | 5.7513% | 2,136 |
| Net charge-offs to loans | 0.0062% | 5,340 |
| Credit loss provision to net charge-offs | 1,800.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 474.8000% | 81 |
| Efficiency ratio | 54.4949% | 6,090 |
| Assets per employee ($millions) | 6.0062% | 1,268 |
| Cash dividends to net income (ytd only)* | 58.5955% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 4,948 |
| Loan loss allowance to noncurrent loans | 522.3958% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 5,838 |
| Noncurrent loans to loans | 0.2183% | 5,530 |
| Net loans and leases to total assets | 72.3825% | 1,617 |
| Net loans and leases to deposits | 91.6680% | 1,094 |
| Net loans and leases to core deposits | 103.4972% | 944 |
| Total domestic deposits to total assets | 78.9616% | 5,658 |
| Equity capital to assets | 13.3363% | 1,128 |
| Core capital (leverage) ratio | 12.8868% | 1,184 |
| Tier 1 risk-based capital ratio | 14.4409% | 3,992 |
| Total risk-based capital ratio | 15.4069% | 4,135 |
| Memoranda: | ||
| Average total assets | $115,542,800 | 4,372 |
| Average earning assets | $108,529,000 | 4,297 |
| Average equity | $15,787,800 | 3,740 |
| Average total loans | $81,103,600 | 3,901 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6185% | 1,836 |
| Cost of funding earning assets | 0.3683% | 5,112 |
| Net interest margin | 4.2502% | 1,207 |
| Noninterest income to average assets | 0.4662% | 4,026 |
| Noninterest expense to average assets | 2.4417% | 4,901 |
| Loan and lease loss provision to assets | 0.0291% | 4,426 |
| Net operating income to assets | 1.9023% | 433 |
| Return on assets (ROA) | 1.8834% | 457 |
| Pretax return on assets | 1.9837% | 594 |
| Return on Equity (ROE) | 13.6977% | 1,069 |
| Retained earnings to average equity (ytd only) | 5.3994% | 2,800 |
| Net charge-offs to loans | 0.0067% | 5,034 |
| Credit loss provision to net charge-offs | 625.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 436.2627% | 133 |
| Efficiency ratio | 54.5715% | 6,052 |
| Assets per employee ($millions) | 5.8410% | 1,348 |
| Cash dividends to net income (ytd only)* | 60.5817% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,188 |
| Loan loss allowance to noncurrent loans | 246.4567% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 5,428 |
| Noncurrent loans to loans | 0.4599% | 5,041 |
| Net loans and leases to total assets | 70.1145% | 1,944 |
| Net loans and leases to deposits | 93.3999% | 873 |
| Net loans and leases to core deposits | 103.2172% | 920 |
| Total domestic deposits to total assets | 75.0691% | 6,273 |
| Equity capital to assets | 13.4850% | 1,120 |
| Core capital (leverage) ratio | 13.0240% | 1,195 |
| Tier 1 risk-based capital ratio | 15.4319% | 3,506 |
| Total risk-based capital ratio | 16.4162% | 3,607 |
| Memoranda: | ||
| Average total assets | $114,397,750 | 4,440 |
| Average earning assets | $107,881,500 | 4,356 |
| Average equity | $15,729,750 | 3,788 |
| Average total loans | $79,391,750 | 3,991 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 1,949 |
| Cost of funding earning assets | 0.3752% | 5,184 |
| Net interest margin | 4.1948% | 1,289 |
| Noninterest income to average assets | 0.4384% | 4,259 |
| Noninterest expense to average assets | 2.4579% | 4,873 |
| Loan and lease loss provision to assets | 0.0440% | 4,086 |
| Net operating income to assets | 1.7982% | 523 |
| Return on assets (ROA) | 1.7748% | 586 |
| Pretax return on assets | 1.8681% | 792 |
| Return on Equity (ROE) | 12.8228% | 1,281 |
| Retained earnings to average equity (ytd only) | 4.2743% | 3,574 |
| Net charge-offs to loans | 0.0051% | 4,801 |
| Credit loss provision to net charge-offs | 1,250.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 550.0000% | 74 |
| Efficiency ratio | 55.9295% | 5,973 |
| Assets per employee ($millions) | 5.2914% | 1,808 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 5,067 |
| Loan loss allowance to noncurrent loans | 485.0515% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 5,978 |
| Noncurrent loans to loans | 0.2443% | 5,693 |
| Net loans and leases to total assets | 70.6099% | 1,786 |
| Net loans and leases to deposits | 90.0794% | 1,136 |
| Net loans and leases to core deposits | 95.6876% | 1,381 |
| Total domestic deposits to total assets | 78.3862% | 5,896 |
| Equity capital to assets | 13.8680% | 1,004 |
| Core capital (leverage) ratio | 13.0384% | 1,147 |
| Tier 1 risk-based capital ratio | 15.6428% | 3,401 |
| Total risk-based capital ratio | 16.6634% | 3,487 |
| Memoranda: | ||
| Average total assets | $113,590,670 | 4,494 |
| Average earning assets | $107,133,670 | 4,410 |
| Average equity | $15,722,000 | 3,816 |
| Average total loans | $78,240,330 | 4,034 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5038% | 2,149 |
| Cost of funding earning assets | 0.3704% | 5,365 |
| Net interest margin | 4.1334% | 1,362 |
| Noninterest income to average assets | 0.4250% | 4,283 |
| Noninterest expense to average assets | 2.4210% | 5,056 |
| Loan and lease loss provision to assets | 0.0871% | 3,212 |
| Net operating income to assets | 1.7123% | 568 |
| Return on assets (ROA) | 1.6825% | 669 |
| Pretax return on assets | 1.7731% | 931 |
| Return on Equity (ROE) | 12.1678% | 1,376 |
| Retained earnings to average equity (ytd only) | 2.9475% | 4,514 |
| Net charge-offs to loans | 0.0103% | 3,941 |
| Credit loss provision to net charge-offs | 1,250.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 271.5000% | 139 |
| Efficiency ratio | 56.1389% | 6,055 |
| Assets per employee ($millions) | 5.3164% | 1,845 |
| Cash dividends to net income (ytd only)* | 75.7764% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 5,046 |
| Loan loss allowance to noncurrent loans | 531.6384% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 6,095 |
| Noncurrent loans to loans | 0.2315% | 5,834 |
| Net loans and leases to total assets | 67.6507% | 2,085 |
| Net loans and leases to deposits | 82.6382% | 1,750 |
| Net loans and leases to core deposits | 87.5220% | 1,952 |
| Total domestic deposits to total assets | 81.8638% | 5,246 |
| Equity capital to assets | 14.1682% | 971 |
| Core capital (leverage) ratio | 12.5233% | 1,328 |
| Tier 1 risk-based capital ratio | 15.1837% | 3,715 |
| Total risk-based capital ratio | 16.1897% | 3,847 |
| Memoranda: | ||
| Average total assets | $114,826,500 | 4,508 |
| Average earning assets | $107,997,500 | 4,425 |
| Average equity | $15,878,000 | 3,836 |
| Average total loans | $77,659,500 | 4,074 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7946% | 2,220 |
| Cost of funding earning assets | 0.4878% | 5,301 |
| Net interest margin | 4.3068% | 1,391 |
| Noninterest income to average assets | 0.5182% | 3,781 |
| Noninterest expense to average assets | 2.4961% | 5,110 |
| Loan and lease loss provision to assets | 0.0521% | 5,160 |
| Net operating income to assets | 1.8963% | 438 |
| Return on assets (ROA) | 1.9276% | 450 |
| Pretax return on assets | 2.0300% | 569 |
| Return on Equity (ROE) | 13.8350% | 1,022 |
| Retained earnings to average equity (ytd only) | 8.0622% | 1,102 |
| Net charge-offs to loans | 0.0042% | 5,919 |
| Credit loss provision to net charge-offs | 1,900.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 747.3333% | 51 |
| Efficiency ratio | 54.9165% | 6,184 |
| Assets per employee ($millions) | 5.6195% | 1,585 |
| Cash dividends to net income (ytd only)* | 41.7259% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,289 |
| Loan loss allowance to noncurrent loans | 927.2727% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 6,385 |
| Noncurrent loans to loans | 0.1256% | 6,167 |
| Net loans and leases to total assets | 66.0390% | 2,516 |
| Net loans and leases to deposits | 88.4044% | 1,221 |
| Net loans and leases to core deposits | 93.6593% | 1,493 |
| Total domestic deposits to total assets | 74.7011% | 6,474 |
| Equity capital to assets | 13.5057% | 1,227 |
| Core capital (leverage) ratio | 12.8706% | 1,166 |
| Tier 1 risk-based capital ratio | 14.6040% | 3,960 |
| Total risk-based capital ratio | 15.5558% | 4,121 |
| Memoranda: | ||
| Average total assets | $109,411,400 | 4,603 |
| Average earning assets | $102,303,200 | 4,538 |
| Average equity | $15,244,000 | 3,903 |
| Average total loans | $71,035,400 | 4,323 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 1,996 |
| Cost of funding earning assets | 0.5141% | 5,347 |
| Net interest margin | 4.3896% | 1,223 |
| Noninterest income to average assets | 0.5009% | 3,921 |
| Noninterest expense to average assets | 2.5134% | 5,039 |
| Loan and lease loss provision to assets | 0.0709% | 4,784 |
| Net operating income to assets | 1.9119% | 443 |
| Return on assets (ROA) | 1.9615% | 465 |
| Pretax return on assets | 2.0659% | 609 |
| Return on Equity (ROE) | 13.9607% | 1,120 |
| Retained earnings to average equity (ytd only) | 8.6082% | 1,371 |
| Net charge-offs to loans | 0.0077% | 5,617 |
| Credit loss provision to net charge-offs | 1,425.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 419.5009% | 110 |
| Efficiency ratio | 54.6634% | 6,183 |
| Assets per employee ($millions) | 5.0984% | 2,055 |
| Cash dividends to net income (ytd only)* | 38.3398% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 4,664 |
| Loan loss allowance to noncurrent loans | 257.5843% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 5,859 |
| Noncurrent loans to loans | 0.5173% | 5,407 |
| Net loans and leases to total assets | 63.4220% | 3,132 |
| Net loans and leases to deposits | 80.8035% | 2,273 |
| Net loans and leases to core deposits | 85.7439% | 2,498 |
| Total domestic deposits to total assets | 78.4892% | 5,969 |
| Equity capital to assets | 14.6095% | 936 |
| Core capital (leverage) ratio | 12.9963% | 1,196 |
| Tier 1 risk-based capital ratio | 16.7365% | 2,881 |
| Total risk-based capital ratio | 17.8462% | 2,920 |
| Memoranda: | ||
| Average total assets | $107,262,000 | 4,699 |
| Average earning assets | $100,113,000 | 4,641 |
| Average equity | $15,070,500 | 3,983 |
| Average total loans | $69,081,750 | 4,429 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 1,951 |
| Cost of funding earning assets | 0.5266% | 5,450 |
| Net interest margin | 4.4162% | 1,160 |
| Noninterest income to average assets | 0.4677% | 4,149 |
| Noninterest expense to average assets | 2.5213% | 5,071 |
| Loan and lease loss provision to assets | 0.0689% | 4,765 |
| Net operating income to assets | 1.9028% | 457 |
| Return on assets (ROA) | 1.9771% | 468 |
| Pretax return on assets | 2.0815% | 594 |
| Return on Equity (ROE) | 14.2608% | 1,060 |
| Retained earnings to average equity (ytd only) | 9.8253% | 1,019 |
| Net charge-offs to loans | 0.0058% | 5,408 |
| Credit loss provision to net charge-offs | 1,850.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 556.0000% | 71 |
| Efficiency ratio | 54.8884% | 6,237 |
| Assets per employee ($millions) | 5.4319% | 1,674 |
| Cash dividends to net income (ytd only)* | 31.1027% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 5,014 |
| Loan loss allowance to noncurrent loans | 1,872.9167% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 6,714 |
| Noncurrent loans to loans | 0.0681% | 6,499 |
| Net loans and leases to total assets | 64.0687% | 3,018 |
| Net loans and leases to deposits | 82.7278% | 2,018 |
| Net loans and leases to core deposits | 87.9436% | 2,212 |
| Total domestic deposits to total assets | 77.4453% | 6,256 |
| Equity capital to assets | 13.9592% | 1,110 |
| Core capital (leverage) ratio | 12.6540% | 1,292 |
| Tier 1 risk-based capital ratio | 16.3176% | 2,997 |
| Total risk-based capital ratio | 17.3973% | 3,059 |
| Memoranda: | ||
| Average total assets | $107,327,000 | 4,735 |
| Average earning assets | $100,267,330 | 4,663 |
| Average equity | $14,880,000 | 4,012 |
| Average total loans | $69,168,670 | 4,442 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 1,891 |
| Cost of funding earning assets | 0.5344% | 5,587 |
| Net interest margin | 4.4643% | 1,078 |
| Noninterest income to average assets | 0.4537% | 4,268 |
| Noninterest expense to average assets | 2.5236% | 5,077 |
| Loan and lease loss provision to assets | 0.0375% | 4,914 |
| Net operating income to assets | 1.9544% | 458 |
| Return on assets (ROA) | 1.8974% | 570 |
| Pretax return on assets | 1.9987% | 739 |
| Return on Equity (ROE) | 13.7337% | 1,242 |
| Retained earnings to average equity (ytd only) | 10.3410% | 1,190 |
| Net charge-offs to loans | 0.0058% | 4,671 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 559.0000% | 44 |
| Efficiency ratio | 54.6266% | 6,277 |
| Assets per employee ($millions) | 5.0936% | 2,136 |
| Cash dividends to net income (ytd only)* | 24.7036% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 5,094 |
| Loan loss allowance to noncurrent loans | 1,781.6327% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 6,789 |
| Noncurrent loans to loans | 0.0720% | 6,571 |
| Net loans and leases to total assets | 62.7841% | 3,099 |
| Net loans and leases to deposits | 78.8265% | 2,366 |
| Net loans and leases to core deposits | 83.7265% | 2,577 |
| Total domestic deposits to total assets | 79.6485% | 5,933 |
| Equity capital to assets | 13.9363% | 1,049 |
| Core capital (leverage) ratio | 12.6101% | 1,290 |
| Tier 1 risk-based capital ratio | 15.9301% | 3,211 |
| Total risk-based capital ratio | 16.9805% | 3,292 |
| Memoranda: | ||
| Average total assets | $106,671,500 | 4,778 |
| Average earning assets | $99,545,000 | 4,708 |
| Average equity | $14,737,500 | 4,046 |
| Average total loans | $68,502,000 | 4,499 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1628% | 2,215 |
| Cost of funding earning assets | 0.6906% | 5,602 |
| Net interest margin | 4.4721% | 1,204 |
| Noninterest income to average assets | 0.5629% | 3,407 |
| Noninterest expense to average assets | 2.7509% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8826% | 392 |
| Return on assets (ROA) | 1.9353% | 378 |
| Pretax return on assets | 2.0384% | 492 |
| Return on Equity (ROE) | 13.8863% | 958 |
| Retained earnings to average equity (ytd only) | 4.2733% | 3,143 |
| Net charge-offs to loans | 0.0048% | 6,375 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 667.0000% | 44 |
| Efficiency ratio | 58.1118% | 6,038 |
| Assets per employee ($millions) | 5.0656% | 2,112 |
| Cash dividends to net income (ytd only)* | 69.2268% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 5,154 |
| Loan loss allowance to noncurrent loans | 847.0588% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 6,446 |
| Noncurrent loans to loans | 0.1479% | 6,449 |
| Net loans and leases to total assets | 64.0264% | 3,188 |
| Net loans and leases to deposits | 85.3691% | 1,751 |
| Net loans and leases to core deposits | 91.4253% | 1,946 |
| Total domestic deposits to total assets | 74.9995% | 6,607 |
| Equity capital to assets | 13.6946% | 1,176 |
| Core capital (leverage) ratio | 12.6308% | 1,298 |
| Tier 1 risk-based capital ratio | 15.0822% | 3,592 |
| Total risk-based capital ratio | 16.0958% | 3,705 |
| Memoranda: | ||
| Average total assets | $100,912,000 | 4,868 |
| Average earning assets | $94,116,200 | 4,811 |
| Average equity | $14,064,200 | 4,095 |
| Average total loans | $63,157,200 | 4,746 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2162% | 2,146 |
| Cost of funding earning assets | 0.7205% | 5,648 |
| Net interest margin | 4.4957% | 1,161 |
| Noninterest income to average assets | 0.5465% | 3,535 |
| Noninterest expense to average assets | 2.7082% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.9232% | 410 |
| Return on assets (ROA) | 2.0734% | 327 |
| Pretax return on assets | 2.1832% | 443 |
| Return on Equity (ROE) | 14.8078% | 866 |
| Retained earnings to average equity (ytd only) | 4.9264% | 3,220 |
| Net charge-offs to loans | 0.0065% | 6,081 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 503.9875% | 75 |
| Efficiency ratio | 57.2156% | 6,112 |
| Assets per employee ($millions) | 4.9350% | 2,278 |
| Cash dividends to net income (ytd only)* | 66.7313% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 4,872 |
| Loan loss allowance to noncurrent loans | 305.3004% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 6,382 |
| Noncurrent loans to loans | 0.4357% | 5,970 |
| Net loans and leases to total assets | 61.8420% | 3,765 |
| Net loans and leases to deposits | 84.6195% | 1,898 |
| Net loans and leases to core deposits | 90.5098% | 2,188 |
| Total domestic deposits to total assets | 73.0825% | 6,847 |
| Equity capital to assets | 13.9480% | 1,176 |
| Core capital (leverage) ratio | 12.8098% | 1,294 |
| Tier 1 risk-based capital ratio | 16.6504% | 2,787 |
| Total risk-based capital ratio | 17.7768% | 2,815 |
| Memoranda: | ||
| Average total assets | $99,545,500 | 4,939 |
| Average earning assets | $92,709,000 | 4,875 |
| Average equity | $13,938,250 | 4,137 |
| Average total loans | $61,703,000 | 4,839 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2874% | 1,928 |
| Cost of funding earning assets | 0.7401% | 5,738 |
| Net interest margin | 4.5474% | 1,021 |
| Noninterest income to average assets | 0.5439% | 3,522 |
| Noninterest expense to average assets | 2.7174% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9651% | 362 |
| Return on assets (ROA) | 1.9148% | 424 |
| Pretax return on assets | 2.0167% | 570 |
| Return on Equity (ROE) | 13.6568% | 1,058 |
| Retained earnings to average equity (ytd only) | 3.2689% | 4,183 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7660% | 6,325 |
| Assets per employee ($millions) | 4.7557% | 2,470 |
| Cash dividends to net income (ytd only)* | 76.0638% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 4,446 |
| Loan loss allowance to noncurrent loans | 263.5258% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 6,307 |
| Noncurrent loans to loans | 0.5424% | 5,832 |
| Net loans and leases to total assets | 59.8674% | 4,296 |
| Net loans and leases to deposits | 77.7086% | 3,177 |
| Net loans and leases to core deposits | 83.4855% | 3,291 |
| Total domestic deposits to total assets | 77.0409% | 6,444 |
| Equity capital to assets | 14.2397% | 1,017 |
| Core capital (leverage) ratio | 12.7199% | 1,283 |
| Tier 1 risk-based capital ratio | 16.8888% | 2,571 |
| Total risk-based capital ratio | 18.0619% | 2,566 |
| Memoranda: | ||
| Average total assets | $98,182,330 | 5,019 |
| Average earning assets | $91,613,330 | 4,946 |
| Average equity | $13,766,000 | 4,162 |
| Average total loans | $60,619,330 | 4,931 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2899% | 1,895 |
| Cost of funding earning assets | 0.7620% | 5,791 |
| Net interest margin | 4.5279% | 1,008 |
| Noninterest income to average assets | 0.5301% | 3,653 |
| Noninterest expense to average assets | 2.7204% | 4,753 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9332% | 385 |
| Return on assets (ROA) | 1.8903% | 435 |
| Pretax return on assets | 1.9889% | 570 |
| Return on Equity (ROE) | 13.5909% | 1,067 |
| Retained earnings to average equity (ytd only) | 7.5932% | 1,891 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2169% | 6,358 |
| Assets per employee ($millions) | 4.6184% | 2,702 |
| Cash dividends to net income (ytd only)* | 44.1304% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 4,415 |
| Loan loss allowance to noncurrent loans | 495.4286% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 6,710 |
| Noncurrent loans to loans | 0.2938% | 6,398 |
| Net loans and leases to total assets | 60.5164% | 4,171 |
| Net loans and leases to deposits | 76.2276% | 3,382 |
| Net loans and leases to core deposits | 81.5997% | 3,514 |
| Total domestic deposits to total assets | 79.3890% | 6,092 |
| Equity capital to assets | 14.2359% | 941 |
| Core capital (leverage) ratio | 13.1866% | 1,064 |
| Tier 1 risk-based capital ratio | 17.0463% | 2,450 |
| Total risk-based capital ratio | 18.2274% | 2,457 |
| Memoranda: | ||
| Average total assets | $97,339,000 | 5,071 |
| Average earning assets | $90,815,000 | 5,014 |
| Average equity | $13,538,500 | 4,210 |
| Average total loans | $60,601,000 | 4,982 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6096% | 1,859 |
| Cost of funding earning assets | 0.9294% | 6,033 |
| Net interest margin | 4.6802% | 852 |
| Noninterest income to average assets | 0.5216% | 4,014 |
| Noninterest expense to average assets | 2.7217% | 4,889 |
| Loan and lease loss provision to assets | 0.1395% | 5,794 |
| Net operating income to assets | 1.9350% | 315 |
| Return on assets (ROA) | 2.0981% | 249 |
| Pretax return on assets | 2.2097% | 311 |
| Return on Equity (ROE) | 15.2954% | 678 |
| Retained earnings to average equity (ytd only) | 8.4496% | 856 |
| Net charge-offs to loans | 0.0271% | 6,537 |
| Credit loss provision to net charge-offs | 812.5000% | 265 |
| Earnings coverage of net charge-offs (x) | 126.8125% | 201 |
| Efficiency ratio | 55.5531% | 6,648 |
| Assets per employee ($millions) | 4.6520% | 2,620 |
| Cash dividends to net income (ytd only)* | 44.7570% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,477 |
| Loan loss allowance to noncurrent loans | 651.8797% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 6,898 |
| Noncurrent loans to loans | 0.2158% | 6,639 |
| Net loans and leases to total assets | 62.2115% | 4,240 |
| Net loans and leases to deposits | 83.1976% | 2,592 |
| Net loans and leases to core deposits | 88.7472% | 2,937 |
| Total domestic deposits to total assets | 74.7756% | 6,797 |
| Equity capital to assets | 13.5836% | 1,158 |
| Core capital (leverage) ratio | 13.1482% | 1,080 |
| Tier 1 risk-based capital ratio | 15.9594% | 2,776 |
| Total risk-based capital ratio | 17.0884% | 2,786 |
| Memoranda: | ||
| Average total assets | $93,178,600 | 5,187 |
| Average earning assets | $87,154,200 | 5,110 |
| Average equity | $12,781,600 | 4,399 |
| Average total loans | $59,101,200 | 5,110 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6661% | 1,824 |
| Cost of funding earning assets | 0.9722% | 6,071 |
| Net interest margin | 4.6939% | 854 |
| Noninterest income to average assets | 0.5142% | 4,070 |
| Noninterest expense to average assets | 2.6854% | 4,944 |
| Loan and lease loss provision to assets | 0.1883% | 5,161 |
| Net operating income to assets | 1.9293% | 382 |
| Return on assets (ROA) | 2.1495% | 281 |
| Pretax return on assets | 2.2639% | 364 |
| Return on Equity (ROE) | 15.6295% | 758 |
| Retained earnings to average equity (ytd only) | 9.3735% | 939 |
| Net charge-offs to loans | 0.0319% | 6,241 |
| Credit loss provision to net charge-offs | 928.5714% | 311 |
| Earnings coverage of net charge-offs (x) | 109.4778% | 290 |
| Efficiency ratio | 54.7387% | 6,716 |
| Assets per employee ($millions) | 4.4719% | 2,952 |
| Cash dividends to net income (ytd only)* | 40.0269% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 4,161 |
| Loan loss allowance to noncurrent loans | 251.8841% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 6,486 |
| Noncurrent loans to loans | 0.5792% | 6,052 |
| Net loans and leases to total assets | 62.5009% | 4,428 |
| Net loans and leases to deposits | 83.9001% | 2,723 |
| Net loans and leases to core deposits | 89.4153% | 3,182 |
| Total domestic deposits to total assets | 74.4945% | 6,856 |
| Equity capital to assets | 14.3522% | 1,062 |
| Core capital (leverage) ratio | 13.2285% | 1,138 |
| Tier 1 risk-based capital ratio | 16.9864% | 2,342 |
| Total risk-based capital ratio | 18.2097% | 2,318 |
| Memoranda: | ||
| Average total assets | $92,050,500 | 5,287 |
| Average earning assets | $86,124,250 | 5,201 |
| Average equity | $12,659,500 | 4,510 |
| Average total loans | $58,466,000 | 5,205 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6681% | 1,878 |
| Cost of funding earning assets | 0.9983% | 6,150 |
| Net interest margin | 4.6698% | 866 |
| Noninterest income to average assets | 0.5097% | 4,032 |
| Noninterest expense to average assets | 2.6927% | 4,939 |
| Loan and lease loss provision to assets | 0.2516% | 4,407 |
| Net operating income to assets | 1.8462% | 448 |
| Return on assets (ROA) | 2.1787% | 267 |
| Pretax return on assets | 2.2946% | 340 |
| Return on Equity (ROE) | 16.0818% | 685 |
| Retained earnings to average equity (ytd only) | 11.0280% | 652 |
| Net charge-offs to loans | 0.0448% | 5,757 |
| Credit loss provision to net charge-offs | 884.6154% | 424 |
| Earnings coverage of net charge-offs (x) | 77.2308% | 407 |
| Efficiency ratio | 55.0783% | 6,752 |
| Assets per employee ($millions) | 4.3584% | 3,117 |
| Cash dividends to net income (ytd only)* | 31.4257% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 4,106 |
| Loan loss allowance to noncurrent loans | 730.7692% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 7,075 |
| Noncurrent loans to loans | 0.2001% | 6,855 |
| Net loans and leases to total assets | 62.9362% | 4,482 |
| Net loans and leases to deposits | 82.6229% | 3,156 |
| Net loans and leases to core deposits | 88.2075% | 3,518 |
| Total domestic deposits to total assets | 76.1729% | 6,654 |
| Equity capital to assets | 14.1927% | 1,107 |
| Core capital (leverage) ratio | 12.8807% | 1,248 |
| Tier 1 risk-based capital ratio | 16.8564% | 2,336 |
| Total risk-based capital ratio | 18.0716% | 2,300 |
| Memoranda: | ||
| Average total assets | $91,431,000 | 5,341 |
| Average earning assets | $85,743,000 | 5,246 |
| Average equity | $12,386,670 | 4,576 |
| Average total loans | $58,100,330 | 5,269 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6977% | 1,787 |
| Cost of funding earning assets | 1.0151% | 6,302 |
| Net interest margin | 4.6826% | 808 |
| Noninterest income to average assets | 0.4815% | 4,192 |
| Noninterest expense to average assets | 2.6701% | 5,061 |
| Loan and lease loss provision to assets | 0.1182% | 5,416 |
| Net operating income to assets | 1.9691% | 364 |
| Return on assets (ROA) | 2.6219% | 133 |
| Pretax return on assets | 2.7620% | 168 |
| Return on Equity (ROE) | 19.8262% | 393 |
| Retained earnings to average equity (ytd only) | 19.8262% | 193 |
| Net charge-offs to loans | -0.0138% | 6,980 |
| Credit loss provision to net charge-offs | -1,350.0000% | 6,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9055% | 6,899 |
| Assets per employee ($millions) | 4.6566% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 4,705 |
| Loan loss allowance to noncurrent loans | 258.9404% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 6,667 |
| Noncurrent loans to loans | 0.5195% | 6,251 |
| Net loans and leases to total assets | 61.5756% | 4,842 |
| Net loans and leases to deposits | 80.6033% | 3,533 |
| Net loans and leases to core deposits | 86.6044% | 3,812 |
| Total domestic deposits to total assets | 76.3935% | 6,684 |
| Equity capital to assets | 13.2244% | 1,433 |
| Core capital (leverage) ratio | 12.9058% | 1,244 |
| Tier 1 risk-based capital ratio | 16.2177% | 2,555 |
| Total risk-based capital ratio | 17.2947% | 2,593 |
| Memoranda: | ||
| Average total assets | $91,383,500 | 5,406 |
| Average earning assets | $85,508,000 | 5,323 |
| Average equity | $12,085,000 | 4,700 |
| Average total loans | $57,921,500 | 5,342 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3602% | 912 |
| Cost of funding earning assets | 1.4139% | 5,874 |
| Net interest margin | 4.9463% | 502 |
| Noninterest income to average assets | 0.5674% | 3,888 |
| Noninterest expense to average assets | 2.7976% | 4,984 |
| Loan and lease loss provision to assets | 0.2629% | 5,304 |
| Net operating income to assets | 1.9919% | 235 |
| Return on assets (ROA) | 2.1530% | 178 |
| Pretax return on assets | 2.2671% | 240 |
| Return on Equity (ROE) | 16.7480% | 479 |
| Retained earnings to average equity (ytd only) | 10.4327% | 329 |
| Net charge-offs to loans | 0.1591% | 5,685 |
| Credit loss provision to net charge-offs | 256.1798% | 1,373 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 946 |
| Efficiency ratio | 54.2365% | 7,206 |
| Assets per employee ($millions) | 4.7177% | 2,590 |
| Cash dividends to net income (ytd only)* | 37.7076% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 4,728 |
| Loan loss allowance to noncurrent loans | 437.7907% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 6,988 |
| Noncurrent loans to loans | 0.2980% | 6,683 |
| Net loans and leases to total assets | 63.5481% | 4,692 |
| Net loans and leases to deposits | 78.8631% | 4,198 |
| Net loans and leases to core deposits | 95.7184% | 4,493 |
| Total domestic deposits to total assets | 80.5803% | 5,482 |
| Equity capital to assets | 13.2246% | 1,428 |
| Core capital (leverage) ratio | 12.7246% | 1,342 |
| Tier 1 risk-based capital ratio | 15.1934% | 2,847 |
| Total risk-based capital ratio | 16.2170% | 2,909 |
| Memoranda: | ||
| Average total assets | $86,717,600 | 5,499 |
| Average earning assets | $80,484,400 | 5,441 |
| Average equity | $11,147,600 | 4,982 |
| Average total loans | $55,945,800 | 5,419 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4208% | 886 |
| Cost of funding earning assets | 1.5019% | 5,816 |
| Net interest margin | 4.9190% | 526 |
| Noninterest income to average assets | 0.5473% | 4,104 |
| Noninterest expense to average assets | 2.6871% | 5,383 |
| Loan and lease loss provision to assets | 0.2527% | 4,929 |
| Net operating income to assets | 2.0723% | 247 |
| Return on assets (ROA) | 2.3212% | 159 |
| Pretax return on assets | 2.4452% | 213 |
| Return on Equity (ROE) | 18.1930% | 435 |
| Retained earnings to average equity (ytd only) | 13.2589% | 241 |
| Net charge-offs to loans | 0.0120% | 6,761 |
| Credit loss provision to net charge-offs | 3,260.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 314.0345% | 116 |
| Efficiency ratio | 52.4516% | 7,380 |
| Assets per employee ($millions) | 4.6164% | 2,680 |
| Cash dividends to net income (ytd only)* | 27.1209% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 4,256 |
| Loan loss allowance to noncurrent loans | 335.6522% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 6,850 |
| Noncurrent loans to loans | 0.3998% | 6,541 |
| Net loans and leases to total assets | 64.7091% | 4,709 |
| Net loans and leases to deposits | 80.6207% | 4,274 |
| Net loans and leases to core deposits | 98.0276% | 4,599 |
| Total domestic deposits to total assets | 80.2636% | 5,349 |
| Equity capital to assets | 13.6277% | 1,442 |
| Core capital (leverage) ratio | 12.9897% | 1,381 |
| Tier 1 risk-based capital ratio | 15.8281% | 2,694 |
| Total risk-based capital ratio | 16.9284% | 2,686 |
| Memoranda: | ||
| Average total assets | $85,988,000 | 5,553 |
| Average earning assets | $79,987,750 | 5,495 |
| Average equity | $10,971,000 | 5,081 |
| Average total loans | $55,503,500 | 5,484 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4574% | 903 |
| Cost of funding earning assets | 1.5974% | 5,759 |
| Net interest margin | 4.8601% | 588 |
| Noninterest income to average assets | 0.5386% | 4,118 |
| Noninterest expense to average assets | 2.5663% | 5,877 |
| Loan and lease loss provision to assets | 0.2740% | 4,386 |
| Net operating income to assets | 2.1109% | 231 |
| Return on assets (ROA) | 2.4001% | 144 |
| Pretax return on assets | 2.5265% | 205 |
| Return on Equity (ROE) | 19.2603% | 387 |
| Retained earnings to average equity (ytd only) | 13.8298% | 271 |
| Net charge-offs to loans | 0.0073% | 6,488 |
| Credit loss provision to net charge-offs | 5,850.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 533.0000% | 56 |
| Efficiency ratio | 50.6938% | 7,618 |
| Assets per employee ($millions) | 4.2641% | 3,180 |
| Cash dividends to net income (ytd only)* | 28.1951% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,259 |
| Loan loss allowance to noncurrent loans | 322.5664% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 6,810 |
| Noncurrent loans to loans | 0.4037% | 6,495 |
| Net loans and leases to total assets | 64.7964% | 4,810 |
| Net loans and leases to deposits | 79.0487% | 4,695 |
| Net loans and leases to core deposits | 93.5911% | 5,163 |
| Total domestic deposits to total assets | 81.9702% | 4,704 |
| Equity capital to assets | 12.8493% | 1,764 |
| Core capital (leverage) ratio | 12.5949% | 1,576 |
| Tier 1 risk-based capital ratio | 15.6925% | 2,734 |
| Total risk-based capital ratio | 16.7567% | 2,742 |
| Memoranda: | ||
| Average total assets | $85,413,670 | 5,602 |
| Average earning assets | $79,505,330 | 5,547 |
| Average equity | $10,643,670 | 5,176 |
| Average total loans | $54,828,330 | 5,566 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4163% | 1,034 |
| Cost of funding earning assets | 1.6999% | 5,598 |
| Net interest margin | 4.7164% | 744 |
| Noninterest income to average assets | 0.4820% | 4,485 |
| Noninterest expense to average assets | 2.4286% | 6,104 |
| Loan and lease loss provision to assets | 0.0374% | 6,483 |
| Net operating income to assets | 2.2719% | 210 |
| Return on assets (ROA) | 2.8498% | 97 |
| Pretax return on assets | 2.9995% | 129 |
| Return on Equity (ROE) | 23.2299% | 251 |
| Retained earnings to average equity (ytd only) | 23.2299% | 105 |
| Net charge-offs to loans | 0.0074% | 5,574 |
| Credit loss provision to net charge-offs | 800.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 519.0000% | 53 |
| Efficiency ratio | 50.0000% | 7,588 |
| Assets per employee ($millions) | 4.2967% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 5,109 |
| Loan loss allowance to noncurrent loans | 8,857.1429% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 7,621 |
| Noncurrent loans to loans | 0.0130% | 7,527 |
| Net loans and leases to total assets | 61.9401% | 5,341 |
| Net loans and leases to deposits | 74.9930% | 5,343 |
| Net loans and leases to core deposits | 90.4022% | 5,518 |
| Total domestic deposits to total assets | 82.5946% | 4,336 |
| Equity capital to assets | 12.2549% | 2,105 |
| Core capital (leverage) ratio | 12.3878% | 1,727 |
| Tier 1 risk-based capital ratio | 15.6945% | 2,788 |
| Total risk-based capital ratio | 16.6105% | 2,850 |
| Memoranda: | ||
| Average total assets | $85,480,000 | 5,628 |
| Average earning assets | $79,297,500 | 5,575 |
| Average equity | $10,486,500 | 5,239 |
| Average total loans | $54,248,500 | 5,619 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4073% | 3,380 |
| Cost of funding earning assets | 2.2678% | 5,300 |
| Net interest margin | 4.1395% | 2,542 |
| Noninterest income to average assets | 0.5878% | 3,941 |
| Noninterest expense to average assets | 2.6404% | 5,487 |
| Loan and lease loss provision to assets | 0.1191% | 5,843 |
| Net operating income to assets | 1.5814% | 862 |
| Return on assets (ROA) | 1.5837% | 821 |
| Pretax return on assets | 1.6681% | 1,219 |
| Return on Equity (ROE) | 12.7529% | 1,395 |
| Retained earnings to average equity (ytd only) | 7.6198% | 956 |
| Net charge-offs to loans | -0.0097% | 7,851 |
| Credit loss provision to net charge-offs | -1,920.0000% | 7,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6693% | 6,408 |
| Assets per employee ($millions) | 4.0489% | 3,413 |
| Cash dividends to net income (ytd only)* | 40.2506% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 5,110 |
| Loan loss allowance to noncurrent loans | 4,093.3333% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 7,532 |
| Noncurrent loans to loans | 0.0274% | 7,403 |
| Net loans and leases to total assets | 63.5516% | 5,363 |
| Net loans and leases to deposits | 78.3051% | 5,290 |
| Net loans and leases to core deposits | 93.0420% | 5,540 |
| Total domestic deposits to total assets | 81.1589% | 4,579 |
| Equity capital to assets | 12.2808% | 2,120 |
| Core capital (leverage) ratio | 12.0439% | 1,945 |
| Tier 1 risk-based capital ratio | 14.7788% | 3,159 |
| Total risk-based capital ratio | 15.6850% | 3,238 |
| Memoranda: | ||
| Average total assets | $80,633,000 | 5,679 |
| Average earning assets | $74,743,400 | 5,635 |
| Average equity | $10,013,400 | 5,408 |
| Average total loans | $51,310,200 | 5,654 |