Home > Hillsboro Bank > Performance and Condition Ratios
Hillsboro Bank, Performance and Condition Ratios
| 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 | 2.4717% | 4,586 |
| Cost of funding earning assets | 0.1649% | 3,974 |
| Net interest margin | 2.3068% | 4,489 |
| Noninterest income to average assets | -0.1577% | 4,908 |
| Noninterest expense to average assets | 2.2551% | 2,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.1368% | 4,782 |
| Return on assets (ROA) | 0.0075% | 4,751 |
| Pretax return on assets | -0.0941% | 4,776 |
| Return on Equity (ROE) | 0.0693% | 4,750 |
| Retained earnings to average equity (ytd only) | 0.0693% | 4,552 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.9887% | 89 |
| Assets per employee ($millions) | 9.0456% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 2,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 31.8724% | 4,542 |
| Net loans and leases to deposits | 35.8926% | 4,578 |
| Net loans and leases to core deposits | 37.7330% | 4,578 |
| Total domestic deposits to total assets | 88.7994% | 1,401 |
| Equity capital to assets | 9.9952% | 2,905 |
| Core capital (leverage) ratio | 9.1327% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0927% | 300 |
| Memoranda: | ||
| Average total assets | $213,910,000 | 2,989 |
| Average earning assets | $198,073,750 | 3,003 |
| Average equity | $23,081,250 | 3,010 |
| Average total loans | $77,127,500 | 3,578 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6053% | 4,545 |
| Cost of funding earning assets | 0.1843% | 3,910 |
| Net interest margin | 2.4210% | 4,405 |
| Noninterest income to average assets | 0.1048% | 4,673 |
| Noninterest expense to average assets | 1.6175% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6110% | 3,956 |
| Return on assets (ROA) | 0.6110% | 4,014 |
| Pretax return on assets | 0.7034% | 4,057 |
| Return on Equity (ROE) | 5.5162% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.5162% | 2,989 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6920% | 1,684 |
| Assets per employee ($millions) | 9.5030% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 2,007 |
| Loan loss allowance to noncurrent loans | 2,928.5714% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 4,195 |
| Noncurrent loans to loans | 0.0476% | 3,941 |
| Net loans and leases to total assets | 30.5440% | 4,635 |
| Net loans and leases to deposits | 34.1439% | 4,676 |
| Net loans and leases to core deposits | 35.7907% | 4,676 |
| Total domestic deposits to total assets | 89.4568% | 1,052 |
| Equity capital to assets | 9.9181% | 2,925 |
| Core capital (leverage) ratio | 10.2185% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7176% | 562 |
| Memoranda: | ||
| Average total assets | $209,833,667 | 3,013 |
| Average earning assets | $192,070,667 | 3,046 |
| Average equity | $23,240,667 | 2,992 |
| Average total loans | $78,469,667 | 3,570 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8654% | 4,296 |
| Cost of funding earning assets | 0.2035% | 3,880 |
| Net interest margin | 2.6618% | 4,035 |
| Noninterest income to average assets | 0.1082% | 4,646 |
| Noninterest expense to average assets | 1.7554% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6756% | 3,768 |
| Return on assets (ROA) | 0.6756% | 3,833 |
| Pretax return on assets | 0.7818% | 3,845 |
| Return on Equity (ROE) | 5.7367% | 3,938 |
| Retained earnings to average equity (ytd only) | 5.7367% | 2,989 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1874% | 1,793 |
| Assets per employee ($millions) | 8.0622% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 2,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 38.9826% | 4,383 |
| Net loans and leases to deposits | 44.4034% | 4,406 |
| Net loans and leases to core deposits | 46.3455% | 4,428 |
| Total domestic deposits to total assets | 87.7919% | 1,950 |
| Equity capital to assets | 11.5041% | 1,543 |
| Core capital (leverage) ratio | 11.4387% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3656% | 492 |
| Memoranda: | ||
| Average total assets | $195,963,000 | 3,117 |
| Average earning assets | $178,826,000 | 3,135 |
| Average equity | $23,079,500 | 2,987 |
| Average total loans | $80,909,500 | 3,542 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3882% | 4,211 |
| Cost of funding earning assets | 0.3206% | 4,021 |
| Net interest margin | 3.0677% | 3,703 |
| Noninterest income to average assets | 0.1336% | 4,617 |
| Noninterest expense to average assets | 1.7587% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0150% | 2,240 |
| Return on assets (ROA) | 1.0150% | 2,382 |
| Pretax return on assets | 1.1940% | 2,344 |
| Return on Equity (ROE) | 7.9970% | 2,820 |
| Retained earnings to average equity (ytd only) | 1.9226% | 3,860 |
| Net charge-offs to loans | 0.0013% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 2,055.0000% | 52 |
| Efficiency ratio | 59.5632% | 3,509 |
| Assets per employee ($millions) | 7.6149% | 1,211 |
| Cash dividends to net income (ytd only)* | 75.9588% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 42.6523% | 4,315 |
| Net loans and leases to deposits | 48.9224% | 4,359 |
| Net loans and leases to core deposits | 51.3103% | 4,377 |
| Total domestic deposits to total assets | 87.1835% | 1,849 |
| Equity capital to assets | 12.0669% | 1,534 |
| Core capital (leverage) ratio | 11.8956% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2675% | 492 |
| Memoranda: | ||
| Average total assets | $172,116,200 | 3,177 |
| Average earning assets | $158,165,200 | 3,182 |
| Average equity | $21,845,600 | 3,022 |
| Average total loans | $79,663,800 | 3,561 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5156% | 4,179 |
| Cost of funding earning assets | 0.3497% | 4,056 |
| Net interest margin | 3.1658% | 3,573 |
| Noninterest income to average assets | 0.1305% | 4,637 |
| Noninterest expense to average assets | 1.8119% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0400% | 2,193 |
| Return on assets (ROA) | 1.0400% | 2,313 |
| Pretax return on assets | 1.2286% | 2,292 |
| Return on Equity (ROE) | 8.0812% | 2,781 |
| Retained earnings to average equity (ytd only) | -0.1237% | 4,494 |
| Net charge-offs to loans | 0.0051% | 2,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 514.6667% | 225 |
| Efficiency ratio | 59.5917% | 3,447 |
| Assets per employee ($millions) | 7.1410% | 1,409 |
| Cash dividends to net income (ytd only)* | 101.5302% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 43.6642% | 4,431 |
| Net loans and leases to deposits | 50.4345% | 4,476 |
| Net loans and leases to core deposits | 53.2169% | 4,484 |
| Total domestic deposits to total assets | 86.5760% | 1,824 |
| Equity capital to assets | 12.5933% | 1,378 |
| Core capital (leverage) ratio | 11.4444% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8559% | 458 |
| Memoranda: | ||
| Average total assets | $167,552,250 | 3,199 |
| Average earning assets | $154,016,500 | 3,203 |
| Average equity | $21,564,000 | 3,044 |
| Average total loans | $79,024,000 | 3,590 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 4,215 |
| Cost of funding earning assets | 0.3726% | 4,158 |
| Net interest margin | 3.2574% | 3,500 |
| Noninterest income to average assets | 0.1342% | 4,633 |
| Noninterest expense to average assets | 1.8512% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0983% | 1,971 |
| Return on assets (ROA) | 1.0983% | 2,091 |
| Pretax return on assets | 1.2911% | 2,060 |
| Return on Equity (ROE) | 8.4674% | 2,574 |
| Retained earnings to average equity (ytd only) | -4.0173% | 4,727 |
| Net charge-offs to loans | -0.0025% | 3,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9126% | 3,568 |
| Assets per employee ($millions) | 7.3788% | 1,231 |
| Cash dividends to net income (ytd only)* | 147.4444% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 1,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 41.5453% | 4,545 |
| Net loans and leases to deposits | 47.6572% | 4,604 |
| Net loans and leases to core deposits | 50.0706% | 4,620 |
| Total domestic deposits to total assets | 87.1752% | 1,554 |
| Equity capital to assets | 11.9520% | 1,694 |
| Core capital (leverage) ratio | 11.8117% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4666% | 475 |
| Memoranda: | ||
| Average total assets | $163,895,000 | 3,210 |
| Average earning assets | $151,349,667 | 3,211 |
| Average equity | $21,258,000 | 3,059 |
| Average total loans | $79,040,667 | 3,594 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0276% | 3,713 |
| Cost of funding earning assets | 0.4087% | 4,334 |
| Net interest margin | 3.6189% | 2,607 |
| Noninterest income to average assets | 0.1562% | 4,592 |
| Noninterest expense to average assets | 1.9713% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2525% | 1,372 |
| Return on assets (ROA) | 1.2525% | 1,477 |
| Pretax return on assets | 1.5286% | 1,237 |
| Return on Equity (ROE) | 9.2221% | 2,018 |
| Retained earnings to average equity (ytd only) | -16.2201% | 4,916 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3244% | 4,181 |
| Assets per employee ($millions) | 6.1490% | 1,559 |
| Cash dividends to net income (ytd only)* | 275.8836% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 2,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 50.2911% | 4,230 |
| Net loans and leases to deposits | 58.3058% | 4,276 |
| Net loans and leases to core deposits | 62.5673% | 4,254 |
| Total domestic deposits to total assets | 86.2540% | 1,888 |
| Equity capital to assets | 12.9517% | 1,450 |
| Core capital (leverage) ratio | 13.2043% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8173% | 457 |
| Memoranda: | ||
| Average total assets | $153,607,000 | 3,283 |
| Average earning assets | $141,920,500 | 3,281 |
| Average equity | $20,863,000 | 3,088 |
| Average total loans | $79,728,000 | 3,585 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 3,351 |
| Cost of funding earning assets | 0.3790% | 4,510 |
| Net interest margin | 3.9848% | 1,896 |
| Noninterest income to average assets | 0.2250% | 4,320 |
| Noninterest expense to average assets | 1.9735% | 4,580 |
| Loan and lease loss provision to assets | 0.0134% | 3,747 |
| Net operating income to assets | 1.5636% | 912 |
| Return on assets (ROA) | 1.5636% | 972 |
| Pretax return on assets | 1.9167% | 718 |
| Return on Equity (ROE) | 11.4214% | 1,724 |
| Retained earnings to average equity (ytd only) | 6.5690% | 1,578 |
| Net charge-offs to loans | 0.0107% | 3,308 |
| Credit loss provision to net charge-offs | 222.2222% | 1,193 |
| Earnings coverage of net charge-offs (x) | 321.2222% | 269 |
| Efficiency ratio | 50.5558% | 4,706 |
| Assets per employee ($millions) | 6.1396% | 1,525 |
| Cash dividends to net income (ytd only)* | 42.4851% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,090 |
| Loan loss allowance to noncurrent loans | 1,266.6667% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 4,367 |
| Noncurrent loans to loans | 0.0999% | 4,128 |
| Net loans and leases to total assets | 52.1822% | 4,214 |
| Net loans and leases to deposits | 61.3583% | 4,223 |
| Net loans and leases to core deposits | 66.3447% | 4,171 |
| Total domestic deposits to total assets | 85.0452% | 2,477 |
| Equity capital to assets | 14.2134% | 1,031 |
| Core capital (leverage) ratio | 13.7069% | 999 |
| Tier 1 risk-based capital ratio | 24.0048% | 828 |
| Total risk-based capital ratio | 25.1754% | 818 |
| Memoranda: | ||
| Average total assets | $149,785,400 | 3,301 |
| Average earning assets | $138,274,800 | 3,306 |
| Average equity | $20,505,400 | 3,086 |
| Average total loans | $84,146,200 | 3,522 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 3,243 |
| Cost of funding earning assets | 0.3696% | 4,600 |
| Net interest margin | 4.0677% | 1,707 |
| Noninterest income to average assets | 0.2490% | 4,252 |
| Noninterest expense to average assets | 2.0045% | 4,542 |
| Loan and lease loss provision to assets | 0.0179% | 3,552 |
| Net operating income to assets | 1.5997% | 935 |
| Return on assets (ROA) | 1.5997% | 975 |
| Pretax return on assets | 1.9723% | 731 |
| Return on Equity (ROE) | 11.8015% | 1,685 |
| Retained earnings to average equity (ytd only) | 5.2267% | 2,779 |
| Net charge-offs to loans | 0.0141% | 2,877 |
| Credit loss provision to net charge-offs | 222.2222% | 1,208 |
| Earnings coverage of net charge-offs (x) | 246.8825% | 380 |
| Efficiency ratio | 50.1794% | 4,733 |
| Assets per employee ($millions) | 6.1662% | 1,480 |
| Cash dividends to net income (ytd only)* | 55.7110% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 1,940 |
| Loan loss allowance to noncurrent loans | 4,104.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 4,670 |
| Noncurrent loans to loans | 0.0318% | 4,526 |
| Net loans and leases to total assets | 50.3039% | 4,409 |
| Net loans and leases to deposits | 58.9023% | 4,435 |
| Net loans and leases to core deposits | 63.2631% | 4,416 |
| Total domestic deposits to total assets | 85.4024% | 2,255 |
| Equity capital to assets | 13.7965% | 1,235 |
| Core capital (leverage) ratio | 13.3732% | 1,186 |
| Tier 1 risk-based capital ratio | 23.8355% | 860 |
| Total risk-based capital ratio | 25.0294% | 848 |
| Memoranda: | ||
| Average total assets | $148,859,500 | 3,346 |
| Average earning assets | $137,075,250 | 3,360 |
| Average equity | $20,177,750 | 3,137 |
| Average total loans | $84,902,750 | 3,547 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 3,005 |
| Cost of funding earning assets | 0.3599% | 4,654 |
| Net interest margin | 4.1438% | 1,497 |
| Noninterest income to average assets | 0.1740% | 4,708 |
| Noninterest expense to average assets | 2.0449% | 4,526 |
| Loan and lease loss provision to assets | 0.0272% | 3,276 |
| Net operating income to assets | 1.5324% | 1,055 |
| Return on assets (ROA) | 1.5324% | 1,105 |
| Pretax return on assets | 1.9063% | 827 |
| Return on Equity (ROE) | 11.3756% | 1,838 |
| Retained earnings to average equity (ytd only) | 1.3324% | 4,340 |
| Net charge-offs to loans | -0.0023% | 3,978 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4012% | 4,695 |
| Assets per employee ($millions) | 6.1082% | 1,465 |
| Cash dividends to net income (ytd only)* | 88.2875% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 2,205 |
| Loan loss allowance to noncurrent loans | 1,883.6364% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 4,586 |
| Noncurrent loans to loans | 0.0668% | 4,382 |
| Net loans and leases to total assets | 53.2471% | 4,273 |
| Net loans and leases to deposits | 62.0808% | 4,329 |
| Net loans and leases to core deposits | 66.2768% | 4,304 |
| Total domestic deposits to total assets | 85.7706% | 2,146 |
| Equity capital to assets | 13.4056% | 1,373 |
| Core capital (leverage) ratio | 13.1891% | 1,217 |
| Tier 1 risk-based capital ratio | 22.5280% | 991 |
| Total risk-based capital ratio | 23.7052% | 982 |
| Memoranda: | ||
| Average total assets | $147,094,330 | 3,386 |
| Average earning assets | $135,043,670 | 3,408 |
| Average equity | $19,814,330 | 3,163 |
| Average total loans | $87,013,000 | 3,526 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 2,690 |
| Cost of funding earning assets | 0.3452% | 4,696 |
| Net interest margin | 4.2063% | 1,294 |
| Noninterest income to average assets | 0.1996% | 4,566 |
| Noninterest expense to average assets | 2.1207% | 4,427 |
| Loan and lease loss provision to assets | 0.0554% | 2,561 |
| Net operating income to assets | 1.5109% | 1,086 |
| Return on assets (ROA) | 1.5109% | 1,115 |
| Pretax return on assets | 1.8740% | 842 |
| Return on Equity (ROE) | 11.1875% | 1,875 |
| Retained earnings to average equity (ytd only) | -9.2374% | 5,078 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3614% | 4,673 |
| Assets per employee ($millions) | 5.7846% | 1,713 |
| Cash dividends to net income (ytd only)* | 182.5688% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,643 |
| Loan loss allowance to noncurrent loans | 1,990.3846% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 4,659 |
| Noncurrent loans to loans | 0.0597% | 4,491 |
| Net loans and leases to total assets | 59.4803% | 3,754 |
| Net loans and leases to deposits | 69.3710% | 3,815 |
| Net loans and leases to core deposits | 75.0057% | 3,736 |
| Total domestic deposits to total assets | 85.7422% | 2,389 |
| Equity capital to assets | 13.4750% | 1,217 |
| Core capital (leverage) ratio | 13.6557% | 1,046 |
| Tier 1 risk-based capital ratio | 21.5910% | 1,099 |
| Total risk-based capital ratio | 22.7523% | 1,088 |
| Memoranda: | ||
| Average total assets | $144,289,000 | 3,461 |
| Average earning assets | $132,088,500 | 3,485 |
| Average equity | $19,486,000 | 3,202 |
| Average total loans | $89,346,000 | 3,504 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5878% | 2,166 |
| Cost of funding earning assets | 0.2449% | 4,828 |
| Net interest margin | 4.3429% | 1,059 |
| Noninterest income to average assets | 0.2525% | 4,417 |
| Noninterest expense to average assets | 1.9509% | 4,820 |
| Loan and lease loss provision to assets | 0.0861% | 2,419 |
| Net operating income to assets | 1.7063% | 685 |
| Return on assets (ROA) | 1.7063% | 672 |
| Pretax return on assets | 2.1704% | 379 |
| Return on Equity (ROE) | 12.8035% | 1,423 |
| Retained earnings to average equity (ytd only) | 8.6971% | 980 |
| Net charge-offs to loans | 0.0033% | 3,619 |
| Credit loss provision to net charge-offs | 4,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 1,048.6667% | 104 |
| Efficiency ratio | 46.3689% | 5,111 |
| Assets per employee ($millions) | 5.7585% | 1,711 |
| Cash dividends to net income (ytd only)* | 32.0723% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 3,049 |
| Loan loss allowance to noncurrent loans | 2,030.0000% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 4,676 |
| Noncurrent loans to loans | 0.0546% | 4,505 |
| Net loans and leases to total assets | 62.9499% | 3,471 |
| Net loans and leases to deposits | 73.4392% | 3,549 |
| Net loans and leases to core deposits | 78.2111% | 3,565 |
| Total domestic deposits to total assets | 85.7171% | 2,360 |
| Equity capital to assets | 13.5348% | 1,133 |
| Core capital (leverage) ratio | 14.2441% | 857 |
| Tier 1 risk-based capital ratio | 21.5027% | 1,095 |
| Total risk-based capital ratio | 22.6109% | 1,096 |
| Memoranda: | ||
| Average total assets | $139,420,800 | 3,514 |
| Average earning assets | $126,966,400 | 3,546 |
| Average equity | $18,580,800 | 3,232 |
| Average total loans | $89,951,600 | 3,484 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5890% | 2,008 |
| Cost of funding earning assets | 0.2326% | 4,874 |
| Net interest margin | 4.3563% | 996 |
| Noninterest income to average assets | 0.2613% | 4,403 |
| Noninterest expense to average assets | 1.9216% | 4,872 |
| Loan and lease loss provision to assets | 0.0868% | 2,239 |
| Net operating income to assets | 1.7432% | 678 |
| Return on assets (ROA) | 1.7432% | 684 |
| Pretax return on assets | 2.2070% | 393 |
| Return on Equity (ROE) | 13.1334% | 1,376 |
| Retained earnings to average equity (ytd only) | 7.5910% | 1,854 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5855% | 5,162 |
| Assets per employee ($millions) | 5.4302% | 1,982 |
| Cash dividends to net income (ytd only)* | 42.2014% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 69.2861% | 2,761 |
| Net loans and leases to deposits | 81.0541% | 2,920 |
| Net loans and leases to core deposits | 87.3879% | 2,884 |
| Total domestic deposits to total assets | 85.4813% | 2,406 |
| Equity capital to assets | 13.7239% | 1,049 |
| Core capital (leverage) ratio | 13.7893% | 999 |
| Tier 1 risk-based capital ratio | 20.5945% | 1,234 |
| Total risk-based capital ratio | 21.6586% | 1,236 |
| Memoranda: | ||
| Average total assets | $138,285,500 | 3,565 |
| Average earning assets | $125,515,750 | 3,602 |
| Average equity | $18,354,750 | 3,275 |
| Average total loans | $89,529,750 | 3,519 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 2,273 |
| Cost of funding earning assets | 0.2187% | 4,929 |
| Net interest margin | 4.2262% | 1,219 |
| Noninterest income to average assets | 0.2688% | 4,388 |
| Noninterest expense to average assets | 1.8530% | 5,029 |
| Loan and lease loss provision to assets | 0.0863% | 2,187 |
| Net operating income to assets | 1.7365% | 673 |
| Return on assets (ROA) | 1.7365% | 672 |
| Pretax return on assets | 2.1635% | 417 |
| Return on Equity (ROE) | 13.2292% | 1,288 |
| Retained earnings to average equity (ytd only) | 4.8733% | 3,141 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1647% | 5,247 |
| Assets per employee ($millions) | 5.9432% | 1,505 |
| Cash dividends to net income (ytd only)* | 63.1623% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 63.2984% | 3,476 |
| Net loans and leases to deposits | 73.3462% | 3,596 |
| Net loans and leases to core deposits | 79.3000% | 3,474 |
| Total domestic deposits to total assets | 86.3009% | 2,138 |
| Equity capital to assets | 12.9069% | 1,345 |
| Core capital (leverage) ratio | 13.0834% | 1,191 |
| Tier 1 risk-based capital ratio | 18.9985% | 1,552 |
| Total risk-based capital ratio | 19.9811% | 1,578 |
| Memoranda: | ||
| Average total assets | $139,128,670 | 3,581 |
| Average earning assets | $126,211,670 | 3,619 |
| Average equity | $18,262,670 | 3,305 |
| Average total loans | $87,690,330 | 3,571 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 2,350 |
| Cost of funding earning assets | 0.2092% | 4,959 |
| Net interest margin | 4.1423% | 1,329 |
| Noninterest income to average assets | 0.2562% | 4,465 |
| Noninterest expense to average assets | 1.8431% | 5,113 |
| Loan and lease loss provision to assets | 0.0874% | 2,055 |
| Net operating income to assets | 1.6713% | 725 |
| Return on assets (ROA) | 1.6713% | 730 |
| Pretax return on assets | 2.0732% | 495 |
| Return on Equity (ROE) | 12.6230% | 1,372 |
| Retained earnings to average equity (ytd only) | -4.1564% | 5,150 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0364% | 5,274 |
| Assets per employee ($millions) | 6.2648% | 1,327 |
| Cash dividends to net income (ytd only)* | 132.9268% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 62.9127% | 3,429 |
| Net loans and leases to deposits | 73.0208% | 3,514 |
| Net loans and leases to core deposits | 77.0804% | 3,569 |
| Total domestic deposits to total assets | 86.1572% | 2,473 |
| Equity capital to assets | 12.9439% | 1,276 |
| Core capital (leverage) ratio | 12.9741% | 1,190 |
| Tier 1 risk-based capital ratio | 19.9185% | 1,360 |
| Total risk-based capital ratio | 20.9518% | 1,363 |
| Memoranda: | ||
| Average total assets | $137,374,500 | 3,641 |
| Average earning assets | $124,280,000 | 3,674 |
| Average equity | $18,189,000 | 3,338 |
| Average total loans | $85,913,000 | 3,630 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,266 |
| Cost of funding earning assets | 0.2148% | 4,828 |
| Net interest margin | 3.8274% | 2,328 |
| Noninterest income to average assets | 0.2404% | 4,694 |
| Noninterest expense to average assets | 1.7572% | 5,277 |
| Loan and lease loss provision to assets | 0.0666% | 2,878 |
| Net operating income to assets | 1.3491% | 1,116 |
| Return on assets (ROA) | 1.5198% | 777 |
| Pretax return on assets | 2.1499% | 349 |
| Return on Equity (ROE) | 11.5839% | 1,319 |
| Retained earnings to average equity (ytd only) | 7.8409% | 819 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0681% | 5,356 |
| Assets per employee ($millions) | 6.2238% | 1,366 |
| Cash dividends to net income (ytd only)* | 32.3114% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 3,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 60.8298% | 3,753 |
| Net loans and leases to deposits | 70.9679% | 3,794 |
| Net loans and leases to core deposits | 75.3442% | 3,796 |
| Total domestic deposits to total assets | 85.7146% | 2,568 |
| Equity capital to assets | 13.5390% | 1,046 |
| Core capital (leverage) ratio | 13.6639% | 919 |
| Tier 1 risk-based capital ratio | 20.6194% | 1,208 |
| Total risk-based capital ratio | 21.6438% | 1,221 |
| Memoranda: | ||
| Average total assets | $135,215,600 | 3,677 |
| Average earning assets | $123,399,200 | 3,695 |
| Average equity | $17,740,200 | 3,399 |
| Average total loans | $74,479,600 | 3,860 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9480% | 3,527 |
| Cost of funding earning assets | 0.2133% | 4,862 |
| Net interest margin | 3.7346% | 2,638 |
| Noninterest income to average assets | 0.2344% | 4,809 |
| Noninterest expense to average assets | 1.7528% | 5,321 |
| Loan and lease loss provision to assets | 0.0594% | 2,891 |
| Net operating income to assets | 1.3076% | 1,304 |
| Return on assets (ROA) | 1.4165% | 1,085 |
| Pretax return on assets | 2.0041% | 546 |
| Return on Equity (ROE) | 10.8849% | 1,748 |
| Retained earnings to average equity (ytd only) | 5.8377% | 2,350 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8531% | 5,349 |
| Assets per employee ($millions) | 6.0990% | 1,425 |
| Cash dividends to net income (ytd only)* | 46.3685% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 59.4106% | 3,931 |
| Net loans and leases to deposits | 69.3756% | 4,013 |
| Net loans and leases to core deposits | 73.7626% | 3,996 |
| Total domestic deposits to total assets | 85.6362% | 2,464 |
| Equity capital to assets | 13.5320% | 1,145 |
| Core capital (leverage) ratio | 12.8963% | 1,255 |
| Tier 1 risk-based capital ratio | 20.7270% | 1,243 |
| Total risk-based capital ratio | 21.7534% | 1,249 |
| Memoranda: | ||
| Average total assets | $134,788,750 | 3,716 |
| Average earning assets | $123,739,750 | 3,716 |
| Average equity | $17,540,750 | 3,453 |
| Average total loans | $72,052,500 | 3,950 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8243% | 3,808 |
| Cost of funding earning assets | 0.2117% | 4,874 |
| Net interest margin | 3.6126% | 2,989 |
| Noninterest income to average assets | 0.2267% | 4,889 |
| Noninterest expense to average assets | 1.7645% | 5,349 |
| Loan and lease loss provision to assets | 0.0444% | 3,100 |
| Net operating income to assets | 1.2430% | 1,464 |
| Return on assets (ROA) | 1.2430% | 1,492 |
| Pretax return on assets | 1.7305% | 987 |
| Return on Equity (ROE) | 9.6797% | 2,181 |
| Retained earnings to average equity (ytd only) | 2.0190% | 4,448 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8535% | 5,313 |
| Assets per employee ($millions) | 6.3364% | 1,239 |
| Cash dividends to net income (ytd only)* | 79.1418% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 3,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.3210% | 4,540 |
| Net loans and leases to deposits | 60.5268% | 4,589 |
| Net loans and leases to core deposits | 64.1590% | 4,591 |
| Total domestic deposits to total assets | 86.4427% | 2,175 |
| Equity capital to assets | 12.7682% | 1,487 |
| Core capital (leverage) ratio | 12.0605% | 1,597 |
| Tier 1 risk-based capital ratio | 21.0215% | 1,177 |
| Total risk-based capital ratio | 22.0617% | 1,194 |
| Memoranda: | ||
| Average total assets | $134,992,330 | 3,741 |
| Average earning assets | $123,788,670 | 3,740 |
| Average equity | $17,335,330 | 3,492 |
| Average total loans | $69,208,670 | 4,038 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7933% | 3,786 |
| Cost of funding earning assets | 0.2175% | 4,820 |
| Net interest margin | 3.5758% | 2,977 |
| Noninterest income to average assets | 0.2319% | 4,886 |
| Noninterest expense to average assets | 1.7923% | 5,390 |
| Loan and lease loss provision to assets | 0.0452% | 2,897 |
| Net operating income to assets | 1.2079% | 1,489 |
| Return on assets (ROA) | 1.2079% | 1,524 |
| Pretax return on assets | 1.6628% | 1,086 |
| Return on Equity (ROE) | 9.3782% | 2,244 |
| Retained earnings to average equity (ytd only) | -6.1508% | 5,450 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2048% | 5,311 |
| Assets per employee ($millions) | 6.0779% | 1,444 |
| Cash dividends to net income (ytd only)* | 165.5860% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 49.6739% | 4,695 |
| Net loans and leases to deposits | 57.4720% | 4,735 |
| Net loans and leases to core deposits | 61.5260% | 4,687 |
| Total domestic deposits to total assets | 86.4315% | 2,475 |
| Equity capital to assets | 12.7675% | 1,369 |
| Core capital (leverage) ratio | 12.6212% | 1,279 |
| Tier 1 risk-based capital ratio | 21.5756% | 1,141 |
| Total risk-based capital ratio | 22.6519% | 1,140 |
| Memoranda: | ||
| Average total assets | $132,788,000 | 3,801 |
| Average earning assets | $121,371,000 | 3,823 |
| Average equity | $17,103,500 | 3,535 |
| Average total loans | $66,926,000 | 4,113 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7061% | 4,188 |
| Cost of funding earning assets | 0.2520% | 4,547 |
| Net interest margin | 3.4541% | 3,612 |
| Noninterest income to average assets | 0.2326% | 5,023 |
| Noninterest expense to average assets | 1.9350% | 5,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0850% | 1,959 |
| Return on assets (ROA) | 1.0934% | 2,024 |
| Pretax return on assets | 1.4635% | 1,702 |
| Return on Equity (ROE) | 7.9687% | 2,951 |
| Retained earnings to average equity (ytd only) | 5.0678% | 2,302 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1260% | 4,941 |
| Assets per employee ($millions) | 5.9937% | 1,490 |
| Cash dividends to net income (ytd only)* | 36.4035% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 3,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 49.9007% | 4,770 |
| Net loans and leases to deposits | 57.8121% | 4,802 |
| Net loans and leases to core deposits | 61.6740% | 4,767 |
| Total domestic deposits to total assets | 86.3152% | 2,453 |
| Equity capital to assets | 12.9946% | 1,262 |
| Core capital (leverage) ratio | 12.9193% | 1,163 |
| Tier 1 risk-based capital ratio | 22.0348% | 1,079 |
| Total risk-based capital ratio | 23.0970% | 1,079 |
| Memoranda: | ||
| Average total assets | $125,114,400 | 3,906 |
| Average earning assets | $114,271,600 | 3,924 |
| Average equity | $17,167,200 | 3,533 |
| Average total loans | $59,067,200 | 4,328 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7114% | 4,212 |
| Cost of funding earning assets | 0.2544% | 4,563 |
| Net interest margin | 3.4570% | 3,641 |
| Noninterest income to average assets | 0.2474% | 4,987 |
| Noninterest expense to average assets | 1.9563% | 5,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0862% | 2,059 |
| Return on assets (ROA) | 1.0975% | 2,110 |
| Pretax return on assets | 1.4615% | 1,847 |
| Return on Equity (ROE) | 7.8871% | 3,066 |
| Retained earnings to average equity (ytd only) | 4.0212% | 3,440 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4921% | 4,891 |
| Assets per employee ($millions) | 6.2557% | 1,263 |
| Cash dividends to net income (ytd only)* | 49.0156% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 2,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 45.4853% | 5,121 |
| Net loans and leases to deposits | 53.2368% | 5,149 |
| Net loans and leases to core deposits | 57.5349% | 5,076 |
| Total domestic deposits to total assets | 85.4396% | 2,628 |
| Equity capital to assets | 13.4901% | 1,252 |
| Core capital (leverage) ratio | 12.5063% | 1,396 |
| Tier 1 risk-based capital ratio | 22.5869% | 1,056 |
| Total risk-based capital ratio | 23.6991% | 1,048 |
| Memoranda: | ||
| Average total assets | $123,427,500 | 3,958 |
| Average earning assets | $112,659,000 | 3,981 |
| Average equity | $17,175,250 | 3,560 |
| Average total loans | $57,182,000 | 4,400 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7522% | 4,120 |
| Cost of funding earning assets | 0.2563% | 4,592 |
| Net interest margin | 3.4959% | 3,504 |
| Noninterest income to average assets | 0.2567% | 4,941 |
| Noninterest expense to average assets | 1.9970% | 5,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0918% | 1,987 |
| Return on assets (ROA) | 1.1095% | 2,044 |
| Pretax return on assets | 1.4671% | 1,784 |
| Return on Equity (ROE) | 7.8856% | 3,043 |
| Retained earnings to average equity (ytd only) | 2.0244% | 4,549 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0366% | 4,895 |
| Assets per employee ($millions) | 6.2831% | 1,203 |
| Cash dividends to net income (ytd only)* | 74.3284% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 47.8641% | 5,004 |
| Net loans and leases to deposits | 56.2942% | 4,994 |
| Net loans and leases to core deposits | 61.2314% | 4,919 |
| Total domestic deposits to total assets | 85.0249% | 2,870 |
| Equity capital to assets | 13.8180% | 1,084 |
| Core capital (leverage) ratio | 12.6535% | 1,280 |
| Tier 1 risk-based capital ratio | 21.9040% | 1,146 |
| Total risk-based capital ratio | 23.0059% | 1,149 |
| Memoranda: | ||
| Average total assets | $120,780,000 | 4,027 |
| Average earning assets | $110,015,330 | 4,055 |
| Average equity | $16,993,000 | 3,590 |
| Average total loans | $56,055,330 | 4,469 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8019% | 3,931 |
| Cost of funding earning assets | 0.2562% | 4,638 |
| Net interest margin | 3.5457% | 3,303 |
| Noninterest income to average assets | 0.2603% | 4,869 |
| Noninterest expense to average assets | 2.0720% | 5,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0847% | 1,968 |
| Return on assets (ROA) | 1.0952% | 2,018 |
| Pretax return on assets | 1.4298% | 1,803 |
| Return on Equity (ROE) | 7.7108% | 3,082 |
| Retained earnings to average equity (ytd only) | -4.1410% | 5,555 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3992% | 4,823 |
| Assets per employee ($millions) | 5.9733% | 1,417 |
| Cash dividends to net income (ytd only)* | 153.7037% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 2,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 45.7536% | 5,135 |
| Net loans and leases to deposits | 53.9069% | 5,107 |
| Net loans and leases to core deposits | 58.3326% | 5,026 |
| Total domestic deposits to total assets | 84.8752% | 3,177 |
| Equity capital to assets | 14.0701% | 953 |
| Core capital (leverage) ratio | 13.4313% | 1,011 |
| Tier 1 risk-based capital ratio | 23.0164% | 1,010 |
| Total risk-based capital ratio | 24.1997% | 997 |
| Memoranda: | ||
| Average total assets | $118,339,000 | 4,110 |
| Average earning assets | $107,736,000 | 4,131 |
| Average equity | $16,807,500 | 3,618 |
| Average total loans | $53,605,500 | 4,567 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 4,356 |
| Cost of funding earning assets | 0.2808% | 4,478 |
| Net interest margin | 3.4233% | 3,824 |
| Noninterest income to average assets | 0.2520% | 5,085 |
| Noninterest expense to average assets | 2.1282% | 5,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0076% | 2,324 |
| Return on assets (ROA) | 1.0306% | 2,297 |
| Pretax return on assets | 1.2671% | 2,409 |
| Return on Equity (ROE) | 7.4282% | 3,289 |
| Retained earnings to average equity (ytd only) | 4.3403% | 2,891 |
| Net charge-offs to loans | -0.0173% | 5,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2090% | 4,406 |
| Assets per employee ($millions) | 5.5815% | 1,710 |
| Cash dividends to net income (ytd only)* | 41.5693% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 1,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 43.4554% | 5,310 |
| Net loans and leases to deposits | 51.2688% | 5,320 |
| Net loans and leases to core deposits | 55.2560% | 5,240 |
| Total domestic deposits to total assets | 84.7601% | 3,191 |
| Equity capital to assets | 14.3381% | 819 |
| Core capital (leverage) ratio | 13.9869% | 823 |
| Tier 1 risk-based capital ratio | 24.4015% | 874 |
| Total risk-based capital ratio | 25.6423% | 859 |
| Memoranda: | ||
| Average total assets | $116,248,200 | 4,128 |
| Average earning assets | $105,776,000 | 4,149 |
| Average equity | $16,127,800 | 3,655 |
| Average total loans | $46,129,000 | 4,788 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6830% | 4,464 |
| Cost of funding earning assets | 0.2856% | 4,495 |
| Net interest margin | 3.3974% | 3,968 |
| Noninterest income to average assets | 0.2460% | 5,175 |
| Noninterest expense to average assets | 2.1918% | 5,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9466% | 2,726 |
| Return on assets (ROA) | 0.9781% | 2,662 |
| Pretax return on assets | 1.1815% | 2,883 |
| Return on Equity (ROE) | 7.1101% | 3,562 |
| Retained earnings to average equity (ytd only) | 2.9493% | 4,350 |
| Net charge-offs to loans | -0.0239% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7133% | 3,945 |
| Assets per employee ($millions) | 5.1795% | 2,088 |
| Cash dividends to net income (ytd only)* | 58.5190% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6953% | 1,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 41.1172% | 5,532 |
| Net loans and leases to deposits | 48.5674% | 5,533 |
| Net loans and leases to core deposits | 52.4001% | 5,484 |
| Total domestic deposits to total assets | 84.6599% | 3,148 |
| Equity capital to assets | 14.4098% | 885 |
| Core capital (leverage) ratio | 13.4988% | 1,018 |
| Tier 1 risk-based capital ratio | 24.8791% | 867 |
| Total risk-based capital ratio | 26.1293% | 857 |
| Memoranda: | ||
| Average total assets | $116,007,250 | 4,177 |
| Average earning assets | $105,490,250 | 4,195 |
| Average equity | $15,958,250 | 3,716 |
| Average total loans | $44,725,500 | 4,890 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 4,542 |
| Cost of funding earning assets | 0.2882% | 4,524 |
| Net interest margin | 3.3721% | 4,004 |
| Noninterest income to average assets | 0.2348% | 5,277 |
| Noninterest expense to average assets | 2.1561% | 5,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9082% | 2,828 |
| Return on assets (ROA) | 0.9529% | 2,735 |
| Pretax return on assets | 1.2032% | 2,765 |
| Return on Equity (ROE) | 7.0360% | 3,586 |
| Retained earnings to average equity (ytd only) | 0.7340% | 5,259 |
| Net charge-offs to loans | -0.0366% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2828% | 4,134 |
| Assets per employee ($millions) | 5.2581% | 1,976 |
| Cash dividends to net income (ytd only)* | 89.5683% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 1,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 37.5626% | 5,756 |
| Net loans and leases to deposits | 43.9553% | 5,768 |
| Net loans and leases to core deposits | 47.3158% | 5,711 |
| Total domestic deposits to total assets | 85.4563% | 2,943 |
| Equity capital to assets | 13.5815% | 1,134 |
| Core capital (leverage) ratio | 12.8509% | 1,234 |
| Tier 1 risk-based capital ratio | 25.9784% | 779 |
| Total risk-based capital ratio | 27.2289% | 768 |
| Memoranda: | ||
| Average total assets | $116,693,000 | 4,211 |
| Average earning assets | $106,164,000 | 4,219 |
| Average equity | $15,804,330 | 3,756 |
| Average total loans | $43,747,000 | 4,958 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 4,538 |
| Cost of funding earning assets | 0.2837% | 4,623 |
| Net interest margin | 3.3639% | 3,973 |
| Noninterest income to average assets | 0.2116% | 5,438 |
| Noninterest expense to average assets | 2.1536% | 5,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8840% | 2,824 |
| Return on assets (ROA) | 0.8840% | 2,951 |
| Pretax return on assets | 1.1331% | 2,932 |
| Return on Equity (ROE) | 6.5359% | 3,745 |
| Retained earnings to average equity (ytd only) | -6.0312% | 5,991 |
| Net charge-offs to loans | -0.0736% | 5,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5244% | 4,234 |
| Assets per employee ($millions) | 5.4465% | 1,839 |
| Cash dividends to net income (ytd only)* | 192.2780% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8944% | 1,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 34.9221% | 5,881 |
| Net loans and leases to deposits | 40.6223% | 5,893 |
| Net loans and leases to core deposits | 43.5872% | 5,853 |
| Total domestic deposits to total assets | 85.9678% | 2,958 |
| Equity capital to assets | 13.1651% | 1,320 |
| Core capital (leverage) ratio | 12.8971% | 1,191 |
| Tier 1 risk-based capital ratio | 28.7177% | 607 |
| Total risk-based capital ratio | 29.9700% | 598 |
| Memoranda: | ||
| Average total assets | $117,200,000 | 4,233 |
| Average earning assets | $107,137,500 | 4,233 |
| Average equity | $15,851,000 | 3,769 |
| Average total loans | $43,490,500 | 4,999 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 4,845 |
| Cost of funding earning assets | 0.3079% | 4,712 |
| Net interest margin | 3.3747% | 4,303 |
| Noninterest income to average assets | 0.1946% | 5,690 |
| Noninterest expense to average assets | 1.9871% | 5,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9857% | 2,454 |
| Return on assets (ROA) | 1.0288% | 2,339 |
| Pretax return on assets | 1.3694% | 2,005 |
| Return on Equity (ROE) | 8.1159% | 3,070 |
| Retained earnings to average equity (ytd only) | 5.1616% | 2,490 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2318% | 5,188 |
| Assets per employee ($millions) | 5.2080% | 2,065 |
| Cash dividends to net income (ytd only)* | 36.4020% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 1,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 37.9905% | 5,852 |
| Net loans and leases to deposits | 44.5404% | 5,862 |
| Net loans and leases to core deposits | 48.1275% | 5,808 |
| Total domestic deposits to total assets | 85.2945% | 3,165 |
| Equity capital to assets | 13.9008% | 993 |
| Core capital (leverage) ratio | 13.6518% | 918 |
| Tier 1 risk-based capital ratio | 26.1177% | 755 |
| Total risk-based capital ratio | 27.3695% | 736 |
| Memoranda: | ||
| Average total assets | $115,090,400 | 4,273 |
| Average earning assets | $105,877,000 | 4,273 |
| Average equity | $14,588,600 | 3,916 |
| Average total loans | $41,210,800 | 5,137 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6677% | 4,951 |
| Cost of funding earning assets | 0.3128% | 4,753 |
| Net interest margin | 3.3549% | 4,412 |
| Noninterest income to average assets | 0.1828% | 5,827 |
| Noninterest expense to average assets | 1.9684% | 5,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9703% | 2,592 |
| Return on assets (ROA) | 1.0276% | 2,391 |
| Pretax return on assets | 1.3689% | 2,120 |
| Return on Equity (ROE) | 8.3062% | 3,035 |
| Retained earnings to average equity (ytd only) | 4.2747% | 3,608 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3620% | 5,131 |
| Assets per employee ($millions) | 5.3083% | 1,896 |
| Cash dividends to net income (ytd only)* | 48.5359% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 1,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 37.3666% | 5,970 |
| Net loans and leases to deposits | 43.5875% | 5,994 |
| Net loans and leases to core deposits | 47.3298% | 5,912 |
| Total domestic deposits to total assets | 85.7276% | 2,996 |
| Equity capital to assets | 13.5745% | 1,150 |
| Core capital (leverage) ratio | 13.0366% | 1,160 |
| Tier 1 risk-based capital ratio | 26.2528% | 763 |
| Total risk-based capital ratio | 27.5043% | 744 |
| Memoranda: | ||
| Average total assets | $115,219,000 | 4,315 |
| Average earning assets | $105,712,750 | 4,313 |
| Average equity | $14,254,000 | 4,004 |
| Average total loans | $40,431,500 | 5,218 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5945% | 5,170 |
| Cost of funding earning assets | 0.3153% | 4,823 |
| Net interest margin | 3.2791% | 4,671 |
| Noninterest income to average assets | 0.2043% | 5,731 |
| Noninterest expense to average assets | 1.9250% | 5,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9556% | 2,526 |
| Return on assets (ROA) | 1.0406% | 2,224 |
| Pretax return on assets | 1.3927% | 1,913 |
| Return on Equity (ROE) | 8.6811% | 2,735 |
| Retained earnings to average equity (ytd only) | 2.5069% | 4,609 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0750% | 5,288 |
| Assets per employee ($millions) | 5.8608% | 1,379 |
| Cash dividends to net income (ytd only)* | 71.1221% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8911% | 1,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 35.4073% | 6,080 |
| Net loans and leases to deposits | 40.7535% | 6,120 |
| Net loans and leases to core deposits | 44.0135% | 6,064 |
| Total domestic deposits to total assets | 86.8815% | 2,527 |
| Equity capital to assets | 12.4855% | 1,656 |
| Core capital (leverage) ratio | 12.3561% | 1,468 |
| Tier 1 risk-based capital ratio | 25.1480% | 855 |
| Total risk-based capital ratio | 26.3993% | 842 |
| Memoranda: | ||
| Average total assets | $116,467,330 | 4,318 |
| Average earning assets | $106,552,670 | 4,311 |
| Average equity | $13,961,330 | 4,052 |
| Average total loans | $39,757,330 | 5,287 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6166% | 5,124 |
| Cost of funding earning assets | 0.3219% | 4,835 |
| Net interest margin | 3.2947% | 4,557 |
| Noninterest income to average assets | 0.2102% | 5,674 |
| Noninterest expense to average assets | 1.9502% | 5,978 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9308% | 2,504 |
| Return on assets (ROA) | 1.0991% | 1,881 |
| Pretax return on assets | 1.4850% | 1,471 |
| Return on Equity (ROE) | 9.3655% | 2,303 |
| Retained earnings to average equity (ytd only) | -3.2882% | 5,992 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7948% | 5,293 |
| Assets per employee ($millions) | 5.8129% | 1,445 |
| Cash dividends to net income (ytd only)* | 135.1097% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1017% | 1,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 32.0537% | 6,267 |
| Net loans and leases to deposits | 36.6316% | 6,295 |
| Net loans and leases to core deposits | 40.2052% | 6,225 |
| Total domestic deposits to total assets | 87.5028% | 2,508 |
| Equity capital to assets | 11.8418% | 1,986 |
| Core capital (leverage) ratio | 12.4407% | 1,411 |
| Tier 1 risk-based capital ratio | 25.9352% | 796 |
| Total risk-based capital ratio | 27.1881% | 779 |
| Memoranda: | ||
| Average total assets | $116,093,000 | 4,364 |
| Average earning assets | $105,625,500 | 4,372 |
| Average equity | $13,624,500 | 4,124 |
| Average total loans | $38,484,500 | 5,375 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4583% | 5,714 |
| Cost of funding earning assets | 0.4089% | 4,551 |
| Net interest margin | 3.0494% | 5,449 |
| Noninterest income to average assets | 0.2091% | 5,831 |
| Noninterest expense to average assets | 2.0408% | 5,944 |
| Loan and lease loss provision to assets | -0.0680% | 6,425 |
| Net operating income to assets | 0.7778% | 3,402 |
| Return on assets (ROA) | 0.8236% | 3,261 |
| Pretax return on assets | 1.0718% | 3,061 |
| Return on Equity (ROE) | 7.0267% | 3,546 |
| Retained earnings to average equity (ytd only) | 4.6192% | 2,871 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3656% | 4,134 |
| Assets per employee ($millions) | 5.5204% | 1,633 |
| Cash dividends to net income (ytd only)* | 34.2621% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0563% | 1,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 32.8687% | 6,347 |
| Net loans and leases to deposits | 37.4634% | 6,387 |
| Net loans and leases to core deposits | 42.4567% | 6,288 |
| Total domestic deposits to total assets | 87.7355% | 2,343 |
| Equity capital to assets | 11.6296% | 2,080 |
| Core capital (leverage) ratio | 12.4265% | 1,395 |
| Tier 1 risk-based capital ratio | 25.6266% | 804 |
| Total risk-based capital ratio | 26.8782% | 788 |
| Memoranda: | ||
| Average total assets | $117,652,800 | 4,324 |
| Average earning assets | $107,104,200 | 4,336 |
| Average equity | $13,790,200 | 4,102 |
| Average total loans | $39,741,600 | 5,358 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3851% | 5,913 |
| Cost of funding earning assets | 0.4194% | 4,624 |
| Net interest margin | 2.9657% | 5,676 |
| Noninterest income to average assets | 0.2710% | 5,510 |
| Noninterest expense to average assets | 2.1092% | 5,809 |
| Loan and lease loss provision to assets | -0.0903% | 6,616 |
| Net operating income to assets | 0.7475% | 3,612 |
| Return on assets (ROA) | 0.7475% | 3,741 |
| Pretax return on assets | 0.9586% | 3,653 |
| Return on Equity (ROE) | 6.3649% | 4,002 |
| Retained earnings to average equity (ytd only) | 3.1729% | 4,412 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8381% | 3,627 |
| Assets per employee ($millions) | 5.8150% | 1,368 |
| Cash dividends to net income (ytd only)* | 50.1518% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9964% | 1,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 6,106 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 32.1598% | 6,446 |
| Net loans and leases to deposits | 36.3586% | 6,497 |
| Net loans and leases to core deposits | 41.4734% | 6,399 |
| Total domestic deposits to total assets | 88.4519% | 1,864 |
| Equity capital to assets | 10.9078% | 2,851 |
| Core capital (leverage) ratio | 11.7469% | 1,854 |
| Tier 1 risk-based capital ratio | 24.1019% | 989 |
| Total risk-based capital ratio | 25.3540% | 972 |
| Memoranda: | ||
| Average total assets | $118,084,000 | 4,358 |
| Average earning assets | $107,763,000 | 4,360 |
| Average equity | $13,867,250 | 4,142 |
| Average total loans | $39,951,000 | 5,399 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4221% | 5,857 |
| Cost of funding earning assets | 0.4362% | 4,593 |
| Net interest margin | 2.9859% | 5,593 |
| Noninterest income to average assets | 0.1765% | 6,154 |
| Noninterest expense to average assets | 2.1449% | 5,764 |
| Loan and lease loss provision to assets | -0.1371% | 6,740 |
| Net operating income to assets | 0.7281% | 3,680 |
| Return on assets (ROA) | 0.7281% | 3,844 |
| Pretax return on assets | 0.8892% | 3,950 |
| Return on Equity (ROE) | 6.0500% | 4,142 |
| Retained earnings to average equity (ytd only) | 1.3239% | 5,359 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0390% | 3,119 |
| Assets per employee ($millions) | 5.3339% | 1,759 |
| Cash dividends to net income (ytd only)* | 78.1176% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0746% | 1,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 4,784 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 32.1803% | 6,497 |
| Net loans and leases to deposits | 36.6223% | 6,536 |
| Net loans and leases to core deposits | 43.7973% | 6,339 |
| Total domestic deposits to total assets | 87.8708% | 2,340 |
| Equity capital to assets | 11.4807% | 2,314 |
| Core capital (leverage) ratio | 11.4556% | 1,971 |
| Tier 1 risk-based capital ratio | 24.1278% | 986 |
| Total risk-based capital ratio | 25.3799% | 963 |
| Memoranda: | ||
| Average total assets | $116,740,330 | 4,423 |
| Average earning assets | $106,366,000 | 4,423 |
| Average equity | $14,049,670 | 4,141 |
| Average total loans | $39,910,670 | 5,427 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4310% | 5,871 |
| Cost of funding earning assets | 0.4406% | 4,696 |
| Net interest margin | 2.9904% | 5,595 |
| Noninterest income to average assets | 0.2027% | 6,027 |
| Noninterest expense to average assets | 2.0337% | 6,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6493% | 3,966 |
| Return on assets (ROA) | 0.6493% | 4,124 |
| Pretax return on assets | 0.8966% | 3,779 |
| Return on Equity (ROE) | 5.2725% | 4,415 |
| Retained earnings to average equity (ytd only) | -3.9893% | 6,273 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4021% | 4,078 |
| Assets per employee ($millions) | 5.5467% | 1,628 |
| Cash dividends to net income (ytd only)* | 175.6614% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2172% | 1,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 4,651 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 31.8036% | 6,522 |
| Net loans and leases to deposits | 36.2738% | 6,563 |
| Net loans and leases to core deposits | 42.9393% | 6,369 |
| Total domestic deposits to total assets | 87.6765% | 2,532 |
| Equity capital to assets | 11.6695% | 2,277 |
| Core capital (leverage) ratio | 11.8894% | 1,627 |
| Tier 1 risk-based capital ratio | 23.4037% | 1,093 |
| Total risk-based capital ratio | 24.4662% | 1,104 |
| Memoranda: | ||
| Average total assets | $116,438,000 | 4,472 |
| Average earning assets | $106,207,000 | 4,470 |
| Average equity | $14,338,500 | 4,129 |
| Average total loans | $40,585,000 | 5,437 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 5,597 |
| Cost of funding earning assets | 0.5464% | 4,847 |
| Net interest margin | 3.3438% | 5,097 |
| Noninterest income to average assets | 0.1966% | 6,010 |
| Noninterest expense to average assets | 2.5617% | 4,894 |
| Loan and lease loss provision to assets | 0.0386% | 5,389 |
| Net operating income to assets | 0.4346% | 4,948 |
| Return on assets (ROA) | 0.6584% | 4,212 |
| Pretax return on assets | 0.9666% | 3,674 |
| Return on Equity (ROE) | 5.3461% | 4,504 |
| Retained earnings to average equity (ytd only) | 3.9347% | 3,432 |
| Net charge-offs to loans | 0.5059% | 2,221 |
| Credit loss provision to net charge-offs | 20.5607% | 5,281 |
| Earnings coverage of net charge-offs (x) | 3.5981% | 3,665 |
| Efficiency ratio | 79.1215% | 2,262 |
| Assets per employee ($millions) | 5.0386% | 2,185 |
| Cash dividends to net income (ytd only)* | 26.4000% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 1,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0907% | 3,834 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 36.6273% | 6,395 |
| Net loans and leases to deposits | 42.4355% | 6,448 |
| Net loans and leases to core deposits | 49.1954% | 6,197 |
| Total domestic deposits to total assets | 86.3129% | 3,194 |
| Equity capital to assets | 13.0240% | 1,443 |
| Core capital (leverage) ratio | 12.3038% | 1,399 |
| Tier 1 risk-based capital ratio | 23.7807% | 994 |
| Total risk-based capital ratio | 25.0336% | 974 |
| Memoranda: | ||
| Average total assets | $113,908,200 | 4,500 |
| Average earning assets | $103,596,000 | 4,502 |
| Average equity | $14,029,000 | 4,152 |
| Average total loans | $42,303,000 | 5,407 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9203% | 5,736 |
| Cost of funding earning assets | 0.5619% | 4,982 |
| Net interest margin | 3.3584% | 5,187 |
| Noninterest income to average assets | 0.2523% | 5,763 |
| Noninterest expense to average assets | 2.4765% | 5,160 |
| Loan and lease loss provision to assets | 0.0209% | 5,531 |
| Net operating income to assets | 0.5273% | 4,722 |
| Return on assets (ROA) | 0.8150% | 3,616 |
| Pretax return on assets | 1.2418% | 2,817 |
| Return on Equity (ROE) | 6.7110% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.8155% | 3,501 |
| Net charge-offs to loans | 0.2447% | 3,252 |
| Credit loss provision to net charge-offs | 23.0769% | 4,905 |
| Earnings coverage of net charge-offs (x) | 9.1152% | 2,365 |
| Efficiency ratio | 74.9736% | 2,832 |
| Assets per employee ($millions) | 5.2379% | 1,896 |
| Cash dividends to net income (ytd only)* | 28.2451% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3361% | 1,451 |
| Loan loss allowance to noncurrent loans | 342.5606% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 1.8076% | 2,902 |
| Noncurrent loans to loans | 0.6819% | 5,078 |
| Net loans and leases to total assets | 35.9177% | 6,556 |
| Net loans and leases to deposits | 41.4155% | 6,627 |
| Net loans and leases to core deposits | 47.6700% | 6,437 |
| Total domestic deposits to total assets | 86.7252% | 2,837 |
| Equity capital to assets | 12.5719% | 1,842 |
| Core capital (leverage) ratio | 11.7381% | 1,819 |
| Tier 1 risk-based capital ratio | 23.1560% | 1,151 |
| Total risk-based capital ratio | 24.4115% | 1,123 |
| Memoranda: | ||
| Average total assets | $114,673,000 | 4,520 |
| Average earning assets | $104,172,750 | 4,536 |
| Average equity | $13,927,000 | 4,208 |
| Average total loans | $42,508,500 | 5,465 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 5,663 |
| Cost of funding earning assets | 0.5773% | 5,097 |
| Net interest margin | 3.4139% | 5,030 |
| Noninterest income to average assets | 0.2603% | 5,714 |
| Noninterest expense to average assets | 2.4527% | 5,286 |
| Loan and lease loss provision to assets | -0.0699% | 7,093 |
| Net operating income to assets | 0.6321% | 4,214 |
| Return on assets (ROA) | 0.8944% | 3,200 |
| Pretax return on assets | 1.3801% | 2,290 |
| Return on Equity (ROE) | 7.4525% | 3,547 |
| Retained earnings to average equity (ytd only) | 4.5705% | 3,563 |
| Net charge-offs to loans | -0.3478% | 7,092 |
| Credit loss provision to net charge-offs | 54.0541% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0109% | 3,237 |
| Assets per employee ($millions) | 5.6157% | 1,506 |
| Cash dividends to net income (ytd only)* | 38.6719% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5808% | 1,174 |
| Loan loss allowance to noncurrent loans | 336.6460% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 1.7587% | 3,092 |
| Noncurrent loans to loans | 0.7666% | 4,972 |
| Net loans and leases to total assets | 34.6969% | 6,682 |
| Net loans and leases to deposits | 39.7220% | 6,740 |
| Net loans and leases to core deposits | 45.4644% | 6,596 |
| Total domestic deposits to total assets | 87.3493% | 2,566 |
| Equity capital to assets | 11.9893% | 2,158 |
| Core capital (leverage) ratio | 11.3814% | 1,984 |
| Tier 1 risk-based capital ratio | 22.7159% | 1,170 |
| Total risk-based capital ratio | 23.9730% | 1,154 |
| Memoranda: | ||
| Average total assets | $114,486,330 | 4,549 |
| Average earning assets | $103,927,330 | 4,576 |
| Average equity | $13,740,330 | 4,249 |
| Average total loans | $42,551,670 | 5,492 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 5,600 |
| Cost of funding earning assets | 0.5995% | 5,138 |
| Net interest margin | 3.4518% | 4,908 |
| Noninterest income to average assets | 0.2767% | 5,651 |
| Noninterest expense to average assets | 2.4050% | 5,457 |
| Loan and lease loss provision to assets | 0.0709% | 4,514 |
| Net operating income to assets | 0.6385% | 4,178 |
| Return on assets (ROA) | 0.6385% | 4,391 |
| Pretax return on assets | 0.9258% | 3,946 |
| Return on Equity (ROE) | 5.3172% | 4,638 |
| Retained earnings to average equity (ytd only) | -0.5317% | 6,083 |
| Net charge-offs to loans | -0.1308% | 6,877 |
| Credit loss provision to net charge-offs | -142.8571% | 5,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6986% | 3,677 |
| Assets per employee ($millions) | 6.3093% | 1,091 |
| Cash dividends to net income (ytd only)* | 110.0000% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5985% | 1,226 |
| Loan loss allowance to noncurrent loans | 339.8119% | 978 |
| Noncurrent assets plus other real estate owned to assets | 1.8444% | 3,122 |
| Noncurrent loans to loans | 0.7647% | 5,131 |
| Net loans and leases to total assets | 33.8947% | 6,749 |
| Net loans and leases to deposits | 38.4922% | 6,804 |
| Net loans and leases to core deposits | 44.1455% | 6,649 |
| Total domestic deposits to total assets | 88.0561% | 2,280 |
| Equity capital to assets | 11.2999% | 2,628 |
| Core capital (leverage) ratio | 11.7690% | 1,726 |
| Tier 1 risk-based capital ratio | 21.9600% | 1,292 |
| Total risk-based capital ratio | 23.2176% | 1,267 |
| Memoranda: | ||
| Average total assets | $112,764,500 | 4,628 |
| Average earning assets | $102,091,500 | 4,650 |
| Average equity | $13,541,000 | 4,294 |
| Average total loans | $42,826,500 | 5,513 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 4,114 |
| Cost of funding earning assets | 0.7414% | 5,268 |
| Net interest margin | 3.9898% | 2,935 |
| Noninterest income to average assets | 0.1346% | 6,481 |
| Noninterest expense to average assets | 2.7495% | 4,555 |
| Loan and lease loss provision to assets | 0.2087% | 4,098 |
| Net operating income to assets | 0.5507% | 4,226 |
| Return on assets (ROA) | 0.6016% | 4,182 |
| Pretax return on assets | 0.7615% | 4,111 |
| Return on Equity (ROE) | 4.7344% | 4,512 |
| Retained earnings to average equity (ytd only) | 3.9287% | 3,412 |
| Net charge-offs to loans | 0.4352% | 3,260 |
| Credit loss provision to net charge-offs | 112.6316% | 2,933 |
| Earnings coverage of net charge-offs (x) | 4.8895% | 2,954 |
| Efficiency ratio | 75.2201% | 3,023 |
| Assets per employee ($millions) | 5.0310% | 2,151 |
| Cash dividends to net income (ytd only)* | 17.0178% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3898% | 1,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8618% | 3,168 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 40.5927% | 6,505 |
| Net loans and leases to deposits | 46.9198% | 6,574 |
| Net loans and leases to core deposits | 53.3400% | 6,351 |
| Total domestic deposits to total assets | 86.5152% | 3,023 |
| Equity capital to assets | 12.8119% | 1,591 |
| Core capital (leverage) ratio | 12.6133% | 1,301 |
| Tier 1 risk-based capital ratio | 22.2459% | 1,201 |
| Total risk-based capital ratio | 23.5020% | 1,176 |
| Memoranda: | ||
| Average total assets | $102,563,600 | 4,831 |
| Average earning assets | $90,506,600 | 4,917 |
| Average equity | $13,032,400 | 4,336 |
| Average total loans | $43,656,600 | 5,532 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 3,991 |
| Cost of funding earning assets | 0.7643% | 5,371 |
| Net interest margin | 4.0438% | 2,720 |
| Noninterest income to average assets | 0.3327% | 5,200 |
| Noninterest expense to average assets | 2.5935% | 5,102 |
| Loan and lease loss provision to assets | 0.4584% | 2,168 |
| Net operating income to assets | 0.6477% | 3,883 |
| Return on assets (ROA) | 0.7152% | 3,707 |
| Pretax return on assets | 0.9156% | 3,702 |
| Return on Equity (ROE) | 5.6404% | 4,212 |
| Retained earnings to average equity (ytd only) | 4.5558% | 3,474 |
| Net charge-offs to loans | 0.7495% | 2,066 |
| Credit loss provision to net charge-offs | 142.8571% | 2,224 |
| Earnings coverage of net charge-offs (x) | 4.0122% | 3,214 |
| Efficiency ratio | 66.8242% | 4,561 |
| Assets per employee ($millions) | 4.9956% | 2,197 |
| Cash dividends to net income (ytd only)* | 19.2313% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6626% | 1,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2000% | 1,994 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 39.4130% | 6,681 |
| Net loans and leases to deposits | 45.6213% | 6,753 |
| Net loans and leases to core deposits | 51.6682% | 6,585 |
| Total domestic deposits to total assets | 86.3918% | 2,988 |
| Equity capital to assets | 12.9229% | 1,654 |
| Core capital (leverage) ratio | 12.3571% | 1,508 |
| Tier 1 risk-based capital ratio | 22.0382% | 1,282 |
| Total risk-based capital ratio | 23.2958% | 1,256 |
| Memoranda: | ||
| Average total assets | $101,791,500 | 4,875 |
| Average earning assets | $89,318,750 | 4,974 |
| Average equity | $12,906,500 | 4,369 |
| Average total loans | $43,586,500 | 5,582 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 3,864 |
| Cost of funding earning assets | 0.7834% | 5,488 |
| Net interest margin | 4.0670% | 2,543 |
| Noninterest income to average assets | 0.3275% | 5,276 |
| Noninterest expense to average assets | 2.5270% | 5,438 |
| Loan and lease loss provision to assets | 0.5757% | 1,685 |
| Net operating income to assets | 0.7047% | 3,523 |
| Return on assets (ROA) | 0.7047% | 3,630 |
| Pretax return on assets | 0.7801% | 4,100 |
| Return on Equity (ROE) | 5.5951% | 4,160 |
| Retained earnings to average equity (ytd only) | 3.9402% | 3,688 |
| Net charge-offs to loans | 1.0238% | 1,542 |
| Credit loss provision to net charge-offs | 128.8889% | 2,369 |
| Earnings coverage of net charge-offs (x) | 3.0356% | 3,336 |
| Efficiency ratio | 65.0818% | 5,045 |
| Assets per employee ($millions) | 5.0047% | 2,117 |
| Cash dividends to net income (ytd only)* | 29.5775% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5886% | 1,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2750% | 2,039 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 39.0641% | 6,795 |
| Net loans and leases to deposits | 44.9156% | 6,886 |
| Net loans and leases to core deposits | 49.8664% | 6,762 |
| Total domestic deposits to total assets | 86.9723% | 2,754 |
| Equity capital to assets | 12.3969% | 1,845 |
| Core capital (leverage) ratio | 12.2431% | 1,484 |
| Tier 1 risk-based capital ratio | 21.5515% | 1,319 |
| Total risk-based capital ratio | 22.8084% | 1,295 |
| Memoranda: | ||
| Average total assets | $100,753,000 | 4,943 |
| Average earning assets | $88,074,330 | 5,053 |
| Average equity | $12,689,670 | 4,405 |
| Average total loans | $43,956,000 | 5,615 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 3,226 |
| Cost of funding earning assets | 0.8158% | 5,494 |
| Net interest margin | 4.1584% | 2,044 |
| Noninterest income to average assets | 0.3124% | 5,429 |
| Noninterest expense to average assets | 2.6050% | 5,202 |
| Loan and lease loss provision to assets | 0.5681% | 1,518 |
| Net operating income to assets | 0.7912% | 3,074 |
| Return on assets (ROA) | 0.7912% | 3,146 |
| Pretax return on assets | 0.7588% | 4,061 |
| Return on Equity (ROE) | 6.2300% | 3,767 |
| Retained earnings to average equity (ytd only) | 2.8754% | 4,438 |
| Net charge-offs to loans | 1.2037% | 1,157 |
| Credit loss provision to net charge-offs | 103.7037% | 2,559 |
| Earnings coverage of net charge-offs (x) | 2.4222% | 3,109 |
| Efficiency ratio | 66.2539% | 4,994 |
| Assets per employee ($millions) | 4.7880% | 2,444 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3492% | 1,686 |
| Loan loss allowance to noncurrent loans | 228.6031% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 3.8220% | 1,756 |
| Noncurrent loans to loans | 1.0276% | 5,000 |
| Net loans and leases to total assets | 42.6220% | 6,567 |
| Net loans and leases to deposits | 49.1406% | 6,678 |
| Net loans and leases to core deposits | 54.3203% | 6,530 |
| Total domestic deposits to total assets | 86.7348% | 3,100 |
| Equity capital to assets | 12.5382% | 1,609 |
| Core capital (leverage) ratio | 12.8033% | 1,195 |
| Tier 1 risk-based capital ratio | 20.9855% | 1,400 |
| Total risk-based capital ratio | 22.2413% | 1,374 |
| Memoranda: | ||
| Average total assets | $98,580,000 | 5,036 |
| Average earning assets | $85,802,500 | 5,164 |
| Average equity | $12,520,000 | 4,445 |
| Average total loans | $44,860,500 | 5,618 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0455% | 4,343 |
| Cost of funding earning assets | 1.0107% | 5,640 |
| Net interest margin | 4.0348% | 2,865 |
| Noninterest income to average assets | 0.2821% | 5,755 |
| Noninterest expense to average assets | 2.5470% | 5,626 |
| Loan and lease loss provision to assets | 1.0488% | 1,537 |
| Net operating income to assets | 0.2202% | 5,216 |
| Return on assets (ROA) | 0.3575% | 4,877 |
| Pretax return on assets | 0.3926% | 4,971 |
| Return on Equity (ROE) | 2.7690% | 5,053 |
| Retained earnings to average equity (ytd only) | 2.1448% | 4,386 |
| Net charge-offs to loans | 3.1946% | 493 |
| Credit loss provision to net charge-offs | 67.1296% | 5,929 |
| Earnings coverage of net charge-offs (x) | 0.8261% | 5,304 |
| Efficiency ratio | 66.3705% | 4,901 |
| Assets per employee ($millions) | 4.6005% | 2,705 |
| Cash dividends to net income (ytd only)* | 22.5434% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2385% | 1,797 |
| Loan loss allowance to noncurrent loans | 222.5597% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 4.1289% | 1,632 |
| Noncurrent loans to loans | 1.0058% | 5,053 |
| Net loans and leases to total assets | 46.3798% | 6,529 |
| Net loans and leases to deposits | 53.6116% | 6,634 |
| Net loans and leases to core deposits | 58.7353% | 6,495 |
| Total domestic deposits to total assets | 86.5109% | 3,073 |
| Equity capital to assets | 12.8691% | 1,455 |
| Core capital (leverage) ratio | 12.9455% | 1,146 |
| Tier 1 risk-based capital ratio | 20.7302% | 1,356 |
| Total risk-based capital ratio | 21.9862% | 1,339 |
| Memoranda: | ||
| Average total assets | $96,779,600 | 5,086 |
| Average earning assets | $85,284,000 | 5,170 |
| Average equity | $12,495,600 | 4,479 |
| Average total loans | $47,330,000 | 5,588 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0517% | 4,582 |
| Cost of funding earning assets | 1.0411% | 5,735 |
| Net interest margin | 4.0106% | 3,051 |
| Noninterest income to average assets | 0.2754% | 5,906 |
| Noninterest expense to average assets | 2.5847% | 5,383 |
| Loan and lease loss provision to assets | 1.0190% | 1,446 |
| Net operating income to assets | 0.2010% | 5,509 |
| Return on assets (ROA) | 0.3787% | 5,033 |
| Pretax return on assets | 0.4255% | 5,151 |
| Return on Equity (ROE) | 2.9306% | 5,248 |
| Retained earnings to average equity (ytd only) | 2.0994% | 4,913 |
| Net charge-offs to loans | 3.3008% | 429 |
| Credit loss provision to net charge-offs | 62.6588% | 5,624 |
| Earnings coverage of net charge-offs (x) | 0.7654% | 5,298 |
| Efficiency ratio | 67.4937% | 4,563 |
| Assets per employee ($millions) | 4.8944% | 2,328 |
| Cash dividends to net income (ytd only)* | 28.3642% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4146% | 1,453 |
| Loan loss allowance to noncurrent loans | 287.0027% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 3.8922% | 1,814 |
| Noncurrent loans to loans | 0.8413% | 5,538 |
| Net loans and leases to total assets | 44.6719% | 6,798 |
| Net loans and leases to deposits | 51.7552% | 6,902 |
| Net loans and leases to core deposits | 56.8140% | 6,803 |
| Total domestic deposits to total assets | 86.3138% | 2,907 |
| Equity capital to assets | 13.0089% | 1,569 |
| Core capital (leverage) ratio | 12.3249% | 1,489 |
| Tier 1 risk-based capital ratio | 21.0031% | 1,356 |
| Total risk-based capital ratio | 22.2599% | 1,332 |
| Memoranda: | ||
| Average total assets | $96,821,750 | 5,140 |
| Average earning assets | $85,804,250 | 5,212 |
| Average equity | $12,511,250 | 4,545 |
| Average total loans | $47,704,000 | 5,655 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 4,780 |
| Cost of funding earning assets | 1.0519% | 5,908 |
| Net interest margin | 3.9819% | 3,106 |
| Noninterest income to average assets | 0.2633% | 6,030 |
| Noninterest expense to average assets | 2.6102% | 5,278 |
| Loan and lease loss provision to assets | 0.9122% | 1,595 |
| Net operating income to assets | 0.2650% | 5,317 |
| Return on assets (ROA) | 0.3566% | 5,104 |
| Pretax return on assets | 0.3877% | 5,268 |
| Return on Equity (ROE) | 2.7659% | 5,337 |
| Retained earnings to average equity (ytd only) | 1.5116% | 5,115 |
| Net charge-offs to loans | 4.0601% | 315 |
| Credit loss provision to net charge-offs | 44.5344% | 5,530 |
| Earnings coverage of net charge-offs (x) | 0.5860% | 5,153 |
| Efficiency ratio | 68.4984% | 4,479 |
| Assets per employee ($millions) | 4.8310% | 2,402 |
| Cash dividends to net income (ytd only)* | 45.3488% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1085% | 1,951 |
| Loan loss allowance to noncurrent loans | 37.4280% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 3.8738% | 1,789 |
| Noncurrent loans to loans | 5.6334% | 1,165 |
| Net loans and leases to total assets | 44.6196% | 6,878 |
| Net loans and leases to deposits | 51.2987% | 7,008 |
| Net loans and leases to core deposits | 56.0582% | 6,938 |
| Total domestic deposits to total assets | 86.9799% | 2,538 |
| Equity capital to assets | 12.4336% | 1,837 |
| Core capital (leverage) ratio | 12.6178% | 1,359 |
| Tier 1 risk-based capital ratio | 20.6149% | 1,404 |
| Total risk-based capital ratio | 21.8701% | 1,375 |
| Memoranda: | ||
| Average total assets | $96,466,670 | 5,180 |
| Average earning assets | $85,938,000 | 5,238 |
| Average equity | $12,437,000 | 4,566 |
| Average total loans | $48,668,670 | 5,657 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3174% | 3,461 |
| Cost of funding earning assets | 1.1108% | 5,848 |
| Net interest margin | 4.2066% | 2,015 |
| Noninterest income to average assets | 0.2724% | 5,977 |
| Noninterest expense to average assets | 2.6475% | 5,154 |
| Loan and lease loss provision to assets | 0.9790% | 1,271 |
| Net operating income to assets | 0.3363% | 5,136 |
| Return on assets (ROA) | 0.3363% | 5,260 |
| Pretax return on assets | 0.3533% | 5,442 |
| Return on Equity (ROE) | 2.5590% | 5,535 |
| Retained earnings to average equity (ytd only) | 0.0324% | 5,808 |
| Net charge-offs to loans | 7.7302% | 102 |
| Credit loss provision to net charge-offs | 23.8589% | 4,900 |
| Earnings coverage of net charge-offs (x) | 0.3247% | 4,753 |
| Efficiency ratio | 66.5241% | 5,001 |
| Assets per employee ($millions) | 4.3939% | 3,138 |
| Cash dividends to net income (ytd only)* | 98.7342% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 3,263 |
| Loan loss allowance to noncurrent loans | 28.3405% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 3.8300% | 1,813 |
| Noncurrent loans to loans | 5.8127% | 1,151 |
| Net loans and leases to total assets | 51.0518% | 6,371 |
| Net loans and leases to deposits | 59.4345% | 6,516 |
| Net loans and leases to core deposits | 62.9616% | 6,530 |
| Total domestic deposits to total assets | 85.8959% | 3,214 |
| Equity capital to assets | 13.4820% | 1,335 |
| Core capital (leverage) ratio | 12.9563% | 1,223 |
| Tier 1 risk-based capital ratio | 19.3898% | 1,641 |
| Total risk-based capital ratio | 20.5225% | 1,634 |
| Memoranda: | ||
| Average total assets | $93,974,500 | 5,315 |
| Average earning assets | $82,822,500 | 5,406 |
| Average equity | $12,348,500 | 4,627 |
| Average total loans | $49,882,000 | 5,672 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8714% | 2,364 |
| Cost of funding earning assets | 1.5047% | 5,495 |
| Net interest margin | 4.3668% | 1,527 |
| Noninterest income to average assets | 0.2389% | 6,377 |
| Noninterest expense to average assets | 2.6569% | 5,570 |
| Loan and lease loss provision to assets | 1.3505% | 1,704 |
| Net operating income to assets | 0.1291% | 5,116 |
| Return on assets (ROA) | 0.3002% | 4,613 |
| Pretax return on assets | 0.2970% | 4,771 |
| Return on Equity (ROE) | 2.2662% | 4,806 |
| Retained earnings to average equity (ytd only) | 0.1868% | 4,798 |
| Net charge-offs to loans | 0.6423% | 3,269 |
| Credit loss provision to net charge-offs | 379.1541% | 840 |
| Earnings coverage of net charge-offs (x) | 4.1450% | 3,037 |
| Efficiency ratio | 64.2801% | 5,724 |
| Assets per employee ($millions) | 4.5561% | 2,824 |
| Cash dividends to net income (ytd only)* | 91.7563% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9362% | 816 |
| Loan loss allowance to noncurrent loans | 89.7995% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.7726% | 3,716 |
| Noncurrent loans to loans | 3.2698% | 2,333 |
| Net loans and leases to total assets | 52.6202% | 6,349 |
| Net loans and leases to deposits | 60.7413% | 6,583 |
| Net loans and leases to core deposits | 79.1853% | 6,169 |
| Total domestic deposits to total assets | 86.6302% | 2,689 |
| Equity capital to assets | 12.8107% | 1,592 |
| Core capital (leverage) ratio | 12.9592% | 1,265 |
| Tier 1 risk-based capital ratio | 19.7886% | 1,497 |
| Total risk-based capital ratio | 21.0532% | 1,458 |
| Memoranda: | ||
| Average total assets | $92,926,600 | 5,303 |
| Average earning assets | $82,875,800 | 5,367 |
| Average equity | $12,311,200 | 4,680 |
| Average total loans | $51,530,400 | 5,605 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9985% | 2,046 |
| Cost of funding earning assets | 1.5798% | 5,491 |
| Net interest margin | 4.4188% | 1,395 |
| Noninterest income to average assets | 0.2833% | 6,208 |
| Noninterest expense to average assets | 2.6915% | 5,366 |
| Loan and lease loss provision to assets | 0.7835% | 2,416 |
| Net operating income to assets | 0.5586% | 3,759 |
| Return on assets (ROA) | 0.6476% | 3,478 |
| Pretax return on assets | 0.8514% | 3,373 |
| Return on Equity (ROE) | 4.8465% | 4,029 |
| Retained earnings to average equity (ytd only) | 2.0770% | 4,165 |
| Net charge-offs to loans | 0.6324% | 2,786 |
| Credit loss provision to net charge-offs | 222.1311% | 1,968 |
| Earnings coverage of net charge-offs (x) | 4.3032% | 3,184 |
| Efficiency ratio | 63.9423% | 5,767 |
| Assets per employee ($millions) | 4.7315% | 2,507 |
| Cash dividends to net income (ytd only)* | 57.1419% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 2,436 |
| Loan loss allowance to noncurrent loans | 119.2819% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0863% | 4,907 |
| Noncurrent loans to loans | 1.4692% | 4,483 |
| Net loans and leases to total assets | 53.1396% | 6,477 |
| Net loans and leases to deposits | 61.8631% | 6,687 |
| Net loans and leases to core deposits | 82.6936% | 6,138 |
| Total domestic deposits to total assets | 85.8988% | 2,749 |
| Equity capital to assets | 13.3964% | 1,534 |
| Core capital (leverage) ratio | 12.8152% | 1,441 |
| Tier 1 risk-based capital ratio | 20.2142% | 1,514 |
| Total risk-based capital ratio | 21.4672% | 1,471 |
| Memoranda: | ||
| Average total assets | $92,238,750 | 5,357 |
| Average earning assets | $81,951,500 | 5,423 |
| Average equity | $12,324,750 | 4,710 |
| Average total loans | $51,445,750 | 5,648 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1059% | 1,772 |
| Cost of funding earning assets | 1.5986% | 5,750 |
| Net interest margin | 4.5073% | 1,154 |
| Noninterest income to average assets | 0.2843% | 6,231 |
| Noninterest expense to average assets | 2.6990% | 5,387 |
| Loan and lease loss provision to assets | 0.6233% | 2,562 |
| Net operating income to assets | 0.6912% | 3,294 |
| Return on assets (ROA) | 0.6912% | 3,409 |
| Pretax return on assets | 0.9274% | 3,250 |
| Return on Equity (ROE) | 5.1772% | 4,004 |
| Retained earnings to average equity (ytd only) | 0.9830% | 4,786 |
| Net charge-offs to loans | 0.5899% | 2,568 |
| Credit loss provision to net charge-offs | 187.5000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 4.6645% | 3,040 |
| Efficiency ratio | 63.5100% | 6,001 |
| Assets per employee ($millions) | 4.5814% | 2,648 |
| Cash dividends to net income (ytd only)* | 81.0127% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 3,479 |
| Loan loss allowance to noncurrent loans | 413.5593% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 6,265 |
| Noncurrent loans to loans | 0.3500% | 6,638 |
| Net loans and leases to total assets | 51.8080% | 6,706 |
| Net loans and leases to deposits | 59.7937% | 6,904 |
| Net loans and leases to core deposits | 79.3947% | 6,453 |
| Total domestic deposits to total assets | 86.6447% | 2,436 |
| Equity capital to assets | 12.7244% | 1,823 |
| Core capital (leverage) ratio | 12.5463% | 1,599 |
| Tier 1 risk-based capital ratio | 19.7205% | 1,630 |
| Total risk-based capital ratio | 20.9046% | 1,603 |
| Memoranda: | ||
| Average total assets | $91,441,670 | 5,424 |
| Average earning assets | $80,446,670 | 5,516 |
| Average equity | $12,207,330 | 4,760 |
| Average total loans | $51,533,330 | 5,695 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2452% | 1,458 |
| Cost of funding earning assets | 1.5780% | 6,127 |
| Net interest margin | 4.6673% | 829 |
| Noninterest income to average assets | 0.2919% | 6,098 |
| Noninterest expense to average assets | 2.8117% | 4,508 |
| Loan and lease loss provision to assets | 0.5839% | 2,155 |
| Net operating income to assets | 0.7366% | 3,406 |
| Return on assets (ROA) | 0.7366% | 3,592 |
| Pretax return on assets | 0.9881% | 3,393 |
| Return on Equity (ROE) | 5.3815% | 4,298 |
| Retained earnings to average equity (ytd only) | -3.0189% | 6,283 |
| Net charge-offs to loans | 0.6076% | 1,960 |
| Credit loss provision to net charge-offs | 164.5570% | 2,596 |
| Earnings coverage of net charge-offs (x) | 4.4304% | 2,886 |
| Efficiency ratio | 64.1393% | 5,666 |
| Assets per employee ($millions) | 4.2317% | 3,207 |
| Cash dividends to net income (ytd only)* | 156.0976% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 4,185 |
| Loan loss allowance to noncurrent loans | 439.1892% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 6,130 |
| Noncurrent loans to loans | 0.2918% | 6,712 |
| Net loans and leases to total assets | 53.7815% | 6,495 |
| Net loans and leases to deposits | 62.4348% | 6,698 |
| Net loans and leases to core deposits | 81.4143% | 6,276 |
| Total domestic deposits to total assets | 86.1403% | 2,642 |
| Equity capital to assets | 12.9403% | 1,776 |
| Core capital (leverage) ratio | 13.7944% | 1,234 |
| Tier 1 risk-based capital ratio | 19.6193% | 1,692 |
| Total risk-based capital ratio | 20.6786% | 1,683 |
| Memoranda: | ||
| Average total assets | $89,058,000 | 5,519 |
| Average earning assets | $78,075,500 | 5,623 |
| Average equity | $12,190,000 | 4,790 |
| Average total loans | $52,012,000 | 5,718 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4817% | 3,051 |
| Cost of funding earning assets | 2.0467% | 6,250 |
| Net interest margin | 4.4350% | 1,576 |
| Noninterest income to average assets | 0.3117% | 6,223 |
| Noninterest expense to average assets | 2.8027% | 4,806 |
| Loan and lease loss provision to assets | 0.2837% | 4,115 |
| Net operating income to assets | 0.8980% | 3,006 |
| Return on assets (ROA) | 0.9245% | 2,749 |
| Pretax return on assets | 1.2945% | 2,327 |
| Return on Equity (ROE) | 6.7219% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.3794% | 2,393 |
| Net charge-offs to loans | 0.3843% | 2,902 |
| Credit loss provision to net charge-offs | 122.7273% | 4,377 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 3,303 |
| Efficiency ratio | 64.5257% | 5,446 |
| Assets per employee ($millions) | 3.8645% | 3,821 |
| Cash dividends to net income (ytd only)* | 34.8485% | 3,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,109 |
| Loan loss allowance to noncurrent loans | 135.5204% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 5,620 |
| Noncurrent loans to loans | 0.8292% | 4,977 |
| Net loans and leases to total assets | 61.9932% | 5,623 |
| Net loans and leases to deposits | 74.3322% | 5,807 |
| Net loans and leases to core deposits | 98.0631% | 5,033 |
| Total domestic deposits to total assets | 83.4002% | 3,614 |
| Equity capital to assets | 14.5062% | 1,295 |
| Core capital (leverage) ratio | 14.4247% | 1,156 |
| Tier 1 risk-based capital ratio | 19.7575% | 1,658 |
| Total risk-based capital ratio | 20.7337% | 1,666 |
| Memoranda: | ||
| Average total assets | $85,667,600 | 5,496 |
| Average earning assets | $77,881,000 | 5,510 |
| Average equity | $11,782,400 | 4,896 |
| Average total loans | $51,521,600 | 5,645 |