Home > HNB First Bank > Performance and Condition Ratios
HNB First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5786% | 1,059 |
| Cost of funding earning assets | 1.3709% | 2,310 |
| Net interest margin | 4.2077% | 924 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.8046% | 1,481 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.6946% | 741 |
| Return on assets (ROA) | 1.6946% | 704 |
| Pretax return on assets | 1.7686% | 925 |
| Return on Equity (ROE) | 18.8900% | 720 |
| Retained earnings to average equity (ytd only) | 10.8870% | 815 |
| Net charge-offs to loans | -0.0067% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.7154% | 3,000 |
| Assets per employee ($millions) | 5.7686% | 3,010 |
| Cash dividends to net income (ytd only)* | 42.3683% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 2,570 |
| Loan loss allowance to noncurrent loans | 4,735.1351% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,641 |
| Noncurrent loans to loans | 0.0242% | 3,574 |
| Net loans and leases to total assets | 65.4800% | 2,316 |
| Net loans and leases to deposits | 72.9737% | 2,699 |
| Net loans and leases to core deposits | 84.5102% | 2,417 |
| Total domestic deposits to total assets | 89.7300% | 834 |
| Equity capital to assets | 8.9059% | 2,738 |
| Core capital (leverage) ratio | 9.9704% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $217,284,400 | 2,860 |
| Average earning assets | $201,107,000 | 2,855 |
| Average equity | $19,491,200 | 2,904 |
| Average total loans | $150,160,800 | 2,678 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4163% | 1,111 |
| Cost of funding earning assets | 1.2241% | 2,353 |
| Net interest margin | 4.1921% | 934 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.7044% | 1,642 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7651% | 711 |
| Return on assets (ROA) | 1.7651% | 697 |
| Pretax return on assets | 1.8536% | 922 |
| Return on Equity (ROE) | 19.6400% | 760 |
| Retained earnings to average equity (ytd only) | 15.8943% | 473 |
| Net charge-offs to loans | -0.0045% | 3,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.7304% | 3,117 |
| Assets per employee ($millions) | 5.4825% | 3,193 |
| Cash dividends to net income (ytd only)* | 19.0678% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 2,746 |
| Loan loss allowance to noncurrent loans | 4,100.0000% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 3,638 |
| Noncurrent loans to loans | 0.0274% | 3,575 |
| Net loans and leases to total assets | 69.1100% | 1,934 |
| Net loans and leases to deposits | 76.9647% | 2,337 |
| Net loans and leases to core deposits | 90.0081% | 1,928 |
| Total domestic deposits to total assets | 89.7900% | 994 |
| Equity capital to assets | 9.1013% | 2,364 |
| Core capital (leverage) ratio | 10.4976% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $213,919,250 | 2,891 |
| Average earning assets | $198,016,250 | 2,889 |
| Average equity | $19,226,500 | 2,916 |
| Average total loans | $149,492,000 | 2,686 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 1,235 |
| Cost of funding earning assets | 1.0270% | 2,511 |
| Net interest margin | 4.1598% | 988 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.7267% | 1,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7706% | 688 |
| Return on assets (ROA) | 1.7706% | 689 |
| Pretax return on assets | 1.8621% | 914 |
| Return on Equity (ROE) | 19.7900% | 733 |
| Retained earnings to average equity (ytd only) | 15.9938% | 473 |
| Net charge-offs to loans | -0.0054% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.4206% | 3,030 |
| Assets per employee ($millions) | 5.3420% | 3,289 |
| Cash dividends to net income (ytd only)* | 19.1693% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 2,881 |
| Loan loss allowance to noncurrent loans | 3,593.4783% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,603 |
| Noncurrent loans to loans | 0.0310% | 3,520 |
| Net loans and leases to total assets | 68.6300% | 1,894 |
| Net loans and leases to deposits | 76.4691% | 2,265 |
| Net loans and leases to core deposits | 88.9240% | 1,869 |
| Total domestic deposits to total assets | 89.7500% | 994 |
| Equity capital to assets | 9.2119% | 2,368 |
| Core capital (leverage) ratio | 10.5245% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6524% | 2,036 |
| Memoranda: | ||
| Average total assets | $212,126,000 | 2,919 |
| Average earning assets | $196,500,333 | 2,917 |
| Average equity | $18,982,333 | 2,954 |
| Average total loans | $148,231,333 | 2,692 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9801% | 1,266 |
| Cost of funding earning assets | 0.8249% | 2,631 |
| Net interest margin | 4.1552% | 1,011 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.6478% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8813% | 592 |
| Return on assets (ROA) | 1.8813% | 585 |
| Pretax return on assets | 1.9683% | 821 |
| Return on Equity (ROE) | 21.3400% | 634 |
| Retained earnings to average equity (ytd only) | 17.4758% | 561 |
| Net charge-offs to loans | -0.0027% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.3596% | 3,262 |
| Assets per employee ($millions) | 5.1339% | 3,544 |
| Cash dividends to net income (ytd only)* | 18.1087% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 3,064 |
| Loan loss allowance to noncurrent loans | 2,796.6102% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 3,497 |
| Noncurrent loans to loans | 0.0393% | 3,462 |
| Net loans and leases to total assets | 72.3400% | 1,388 |
| Net loans and leases to deposits | 80.5867% | 1,776 |
| Net loans and leases to core deposits | 91.5138% | 1,528 |
| Total domestic deposits to total assets | 89.7600% | 1,246 |
| Equity capital to assets | 9.3049% | 2,294 |
| Core capital (leverage) ratio | 10.2010% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8195% | 2,461 |
| Memoranda: | ||
| Average total assets | $211,348,500 | 2,962 |
| Average earning assets | $195,900,500 | 2,955 |
| Average equity | $18,631,500 | 3,010 |
| Average total loans | $148,192,000 | 2,717 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 1,588 |
| Cost of funding earning assets | 0.4540% | 1,690 |
| Net interest margin | 3.5959% | 1,656 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.5836% | 1,871 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.3964% | 1,139 |
| Return on assets (ROA) | 1.3964% | 1,095 |
| Pretax return on assets | 1.4670% | 1,548 |
| Return on Equity (ROE) | 16.7100% | 918 |
| Retained earnings to average equity (ytd only) | 8.7011% | 1,568 |
| Net charge-offs to loans | -0.0064% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.0600% | 2,622 |
| Assets per employee ($millions) | 5.4336% | 3,281 |
| Cash dividends to net income (ytd only)* | 47.9201% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,605 |
| Loan loss allowance to noncurrent loans | 2,014.2857% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 3,417 |
| Noncurrent loans to loans | 0.0575% | 3,348 |
| Net loans and leases to total assets | 66.4800% | 1,982 |
| Net loans and leases to deposits | 73.0378% | 2,324 |
| Net loans and leases to core deposits | 80.4905% | 2,100 |
| Total domestic deposits to total assets | 91.0200% | 948 |
| Equity capital to assets | 8.3532% | 2,811 |
| Core capital (leverage) ratio | 9.5602% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7906% | 2,454 |
| Memoranda: | ||
| Average total assets | $215,199,800 | 2,943 |
| Average earning assets | $200,646,200 | 2,930 |
| Average equity | $17,986,200 | 3,120 |
| Average total loans | $141,666,200 | 2,711 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8092% | 1,735 |
| Cost of funding earning assets | 0.4400% | 1,030 |
| Net interest margin | 3.3692% | 2,072 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.6397% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2186% | 1,639 |
| Return on assets (ROA) | 1.2186% | 1,610 |
| Pretax return on assets | 1.2720% | 2,136 |
| Return on Equity (ROE) | 14.5800% | 1,267 |
| Retained earnings to average equity (ytd only) | 10.5659% | 1,177 |
| Net charge-offs to loans | -0.0123% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.4817% | 2,090 |
| Assets per employee ($millions) | 5.8368% | 2,900 |
| Cash dividends to net income (ytd only)* | 27.5229% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,110 |
| Loan loss allowance to noncurrent loans | 2,660.0000% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 3,643 |
| Noncurrent loans to loans | 0.0406% | 3,597 |
| Net loans and leases to total assets | 69.6500% | 1,507 |
| Net loans and leases to deposits | 76.6172% | 1,824 |
| Net loans and leases to core deposits | 84.1273% | 1,642 |
| Total domestic deposits to total assets | 90.9100% | 1,276 |
| Equity capital to assets | 8.3327% | 2,654 |
| Core capital (leverage) ratio | 9.5822% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0355% | 2,461 |
| Memoranda: | ||
| Average total assets | $214,664,000 | 2,968 |
| Average earning assets | $200,280,250 | 2,951 |
| Average equity | $17,944,000 | 3,165 |
| Average total loans | $140,536,000 | 2,726 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5510% | 1,991 |
| Cost of funding earning assets | 0.4280% | 768 |
| Net interest margin | 3.1230% | 2,464 |
| Noninterest income to average assets | 0.7438% | 1,187 |
| Noninterest expense to average assets | 2.5553% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0954% | 1,787 |
| Return on assets (ROA) | 1.0954% | 1,768 |
| Pretax return on assets | 1.1454% | 2,254 |
| Return on Equity (ROE) | 13.0908% | 1,363 |
| Retained earnings to average equity (ytd only) | 9.1105% | 1,252 |
| Net charge-offs to loans | -0.0130% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0500% | 2,100 |
| Assets per employee ($millions) | 5.9874% | 2,758 |
| Cash dividends to net income (ytd only)* | 30.4054% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 2,992 |
| Loan loss allowance to noncurrent loans | 2,374.6269% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 3,666 |
| Noncurrent loans to loans | 0.0480% | 3,589 |
| Net loans and leases to total assets | 64.0821% | 1,905 |
| Net loans and leases to deposits | 70.3688% | 2,163 |
| Net loans and leases to core deposits | 77.7239% | 1,874 |
| Total domestic deposits to total assets | 91.0660% | 1,198 |
| Equity capital to assets | 8.2664% | 2,932 |
| Core capital (leverage) ratio | 9.1424% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6817% | 2,216 |
| Memoranda: | ||
| Average total assets | $216,177,000 | 2,981 |
| Average earning assets | $204,676,333 | 2,960 |
| Average equity | $18,089,000 | 3,228 |
| Average total loans | $138,063,333 | 2,764 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3942% | 2,105 |
| Cost of funding earning assets | 0.4488% | 661 |
| Net interest margin | 2.9454% | 2,687 |
| Noninterest income to average assets | 0.7280% | 1,227 |
| Noninterest expense to average assets | 2.5738% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8813% | 2,357 |
| Return on assets (ROA) | 0.8813% | 2,357 |
| Pretax return on assets | 0.9312% | 2,659 |
| Return on Equity (ROE) | 10.4694% | 1,805 |
| Retained earnings to average equity (ytd only) | 6.5187% | 2,069 |
| Net charge-offs to loans | -0.0117% | 3,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4317% | 1,805 |
| Assets per employee ($millions) | 6.0526% | 2,759 |
| Cash dividends to net income (ytd only)* | 37.7358% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 3,027 |
| Loan loss allowance to noncurrent loans | 2,202.7778% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,699 |
| Noncurrent loans to loans | 0.0529% | 3,604 |
| Net loans and leases to total assets | 63.5329% | 1,683 |
| Net loans and leases to deposits | 70.0315% | 1,963 |
| Net loans and leases to core deposits | 77.9222% | 1,619 |
| Total domestic deposits to total assets | 90.7204% | 1,171 |
| Equity capital to assets | 8.4531% | 3,203 |
| Core capital (leverage) ratio | 8.9289% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7576% | 2,323 |
| Memoranda: | ||
| Average total assets | $216,492,000 | 2,994 |
| Average earning assets | $204,114,000 | 2,977 |
| Average equity | $18,224,500 | 3,306 |
| Average total loans | $137,236,000 | 2,773 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7598% | 1,963 |
| Cost of funding earning assets | 0.6671% | 377 |
| Net interest margin | 3.0927% | 2,928 |
| Noninterest income to average assets | 1.0468% | 925 |
| Noninterest expense to average assets | 2.4197% | 2,427 |
| Loan and lease loss provision to assets | 0.0487% | 2,082 |
| Net operating income to assets | 1.4380% | 1,161 |
| Return on assets (ROA) | 1.4445% | 1,223 |
| Pretax return on assets | 1.5171% | 1,661 |
| Return on Equity (ROE) | 16.1894% | 721 |
| Retained earnings to average equity (ytd only) | 8.3321% | 1,415 |
| Net charge-offs to loans | -0.0205% | 3,993 |
| Credit loss provision to net charge-offs | -357.1429% | 3,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8174% | 3,022 |
| Assets per employee ($millions) | 6.3184% | 2,471 |
| Cash dividends to net income (ytd only)* | 48.5339% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 3,151 |
| Loan loss allowance to noncurrent loans | 1,181.3433% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,562 |
| Noncurrent loans to loans | 0.0969% | 3,442 |
| Net loans and leases to total assets | 61.8217% | 1,962 |
| Net loans and leases to deposits | 68.3298% | 2,280 |
| Net loans and leases to core deposits | 75.7806% | 1,940 |
| Total domestic deposits to total assets | 90.4754% | 730 |
| Equity capital to assets | 8.3846% | 4,125 |
| Core capital (leverage) ratio | 8.7578% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8002% | 2,321 |
| Memoranda: | ||
| Average total assets | $205,396,400 | 3,023 |
| Average earning assets | $194,717,200 | 2,998 |
| Average equity | $18,326,800 | 3,362 |
| Average total loans | $136,378,800 | 2,768 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 1,741 |
| Cost of funding earning assets | 0.7221% | 342 |
| Net interest margin | 3.1838% | 2,778 |
| Noninterest income to average assets | 1.1694% | 839 |
| Noninterest expense to average assets | 2.4024% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7053% | 819 |
| Return on assets (ROA) | 1.7141% | 844 |
| Pretax return on assets | 1.8021% | 1,157 |
| Return on Equity (ROE) | 18.8981% | 527 |
| Retained earnings to average equity (ytd only) | 14.9579% | 405 |
| Net charge-offs to loans | 0.0343% | 1,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 77.4000% | 1,000 |
| Efficiency ratio | 57.2646% | 3,388 |
| Assets per employee ($millions) | 6.0756% | 2,616 |
| Cash dividends to net income (ytd only)* | 20.8494% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,771 |
| Loan loss allowance to noncurrent loans | 1,773.7500% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,897 |
| Noncurrent loans to loans | 0.0576% | 3,813 |
| Net loans and leases to total assets | 66.5821% | 1,477 |
| Net loans and leases to deposits | 74.1757% | 1,840 |
| Net loans and leases to core deposits | 82.2783% | 1,553 |
| Total domestic deposits to total assets | 89.7627% | 885 |
| Equity capital to assets | 9.2787% | 3,583 |
| Core capital (leverage) ratio | 9.1905% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0489% | 2,345 |
| Memoranda: | ||
| Average total assets | $201,459,500 | 3,090 |
| Average earning assets | $191,464,000 | 3,050 |
| Average equity | $18,273,000 | 3,405 |
| Average total loans | $135,899,000 | 2,811 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 2,250 |
| Cost of funding earning assets | 0.7461% | 369 |
| Net interest margin | 2.9855% | 3,361 |
| Noninterest income to average assets | 1.3236% | 670 |
| Noninterest expense to average assets | 2.3839% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7088% | 857 |
| Return on assets (ROA) | 1.7221% | 890 |
| Pretax return on assets | 1.8062% | 1,217 |
| Return on Equity (ROE) | 19.1377% | 528 |
| Retained earnings to average equity (ytd only) | 15.1321% | 413 |
| Net charge-offs to loans | 0.0311% | 1,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 85.2381% | 812 |
| Efficiency ratio | 57.0846% | 3,397 |
| Assets per employee ($millions) | 6.5459% | 2,126 |
| Cash dividends to net income (ytd only)* | 20.9302% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 3,739 |
| Loan loss allowance to noncurrent loans | 2,107.3529% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,034 |
| Noncurrent loans to loans | 0.0487% | 3,934 |
| Net loans and leases to total assets | 65.9235% | 1,702 |
| Net loans and leases to deposits | 73.4525% | 2,054 |
| Net loans and leases to core deposits | 80.9831% | 1,802 |
| Total domestic deposits to total assets | 89.7498% | 895 |
| Equity capital to assets | 8.8266% | 3,950 |
| Core capital (leverage) ratio | 9.1445% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8589% | 2,019 |
| Memoranda: | ||
| Average total assets | $199,756,333 | 3,104 |
| Average earning assets | $190,855,000 | 3,059 |
| Average equity | $17,975,000 | 3,429 |
| Average total loans | $134,879,667 | 2,831 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 2,105 |
| Cost of funding earning assets | 0.7623% | 425 |
| Net interest margin | 3.0365% | 3,168 |
| Noninterest income to average assets | 1.9908% | 376 |
| Noninterest expense to average assets | 2.4608% | 2,294 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3153% | 350 |
| Return on assets (ROA) | 2.3212% | 376 |
| Pretax return on assets | 2.4382% | 491 |
| Return on Equity (ROE) | 25.5334% | 241 |
| Retained earnings to average equity (ytd only) | 21.4697% | 224 |
| Net charge-offs to loans | 0.1026% | 673 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 34.8529% | 1,033 |
| Efficiency ratio | 50.2936% | 4,164 |
| Assets per employee ($millions) | 6.0011% | 2,602 |
| Cash dividends to net income (ytd only)* | 15.9151% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,659 |
| Loan loss allowance to noncurrent loans | 1,775.0000% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 4,084 |
| Noncurrent loans to loans | 0.0591% | 3,990 |
| Net loans and leases to total assets | 67.6912% | 1,567 |
| Net loans and leases to deposits | 75.4667% | 1,969 |
| Net loans and leases to core deposits | 83.4104% | 1,725 |
| Total domestic deposits to total assets | 89.6968% | 971 |
| Equity capital to assets | 9.1438% | 3,547 |
| Core capital (leverage) ratio | 9.4455% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0241% | 1,892 |
| Memoranda: | ||
| Average total assets | $194,899,500 | 3,124 |
| Average earning assets | $186,269,500 | 3,085 |
| Average equity | $17,718,000 | 3,451 |
| Average total loans | $132,558,000 | 2,870 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 1,848 |
| Cost of funding earning assets | 0.9039% | 844 |
| Net interest margin | 3.4033% | 2,771 |
| Noninterest income to average assets | 0.8352% | 1,440 |
| Noninterest expense to average assets | 2.6226% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3349% | 1,162 |
| Return on assets (ROA) | 1.4087% | 1,085 |
| Pretax return on assets | 1.4864% | 1,379 |
| Return on Equity (ROE) | 14.6562% | 696 |
| Retained earnings to average equity (ytd only) | 6.8110% | 1,456 |
| Net charge-offs to loans | -0.0117% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0560% | 2,671 |
| Assets per employee ($millions) | 5.4789% | 2,863 |
| Cash dividends to net income (ytd only)* | 53.5280% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 3,354 |
| Loan loss allowance to noncurrent loans | 1,840.5063% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 4,143 |
| Noncurrent loans to loans | 0.0609% | 4,050 |
| Net loans and leases to total assets | 66.8476% | 1,972 |
| Net loans and leases to deposits | 74.5914% | 2,421 |
| Net loans and leases to core deposits | 82.7175% | 2,140 |
| Total domestic deposits to total assets | 89.6184% | 718 |
| Equity capital to assets | 9.0362% | 4,020 |
| Core capital (leverage) ratio | 9.2288% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6728% | 1,983 |
| Memoranda: | ||
| Average total assets | $175,054,000 | 3,150 |
| Average earning assets | $164,400,800 | 3,129 |
| Average equity | $16,825,600 | 3,468 |
| Average total loans | $128,109,000 | 2,888 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 2,077 |
| Cost of funding earning assets | 0.9329% | 955 |
| Net interest margin | 3.3735% | 2,992 |
| Noninterest income to average assets | 0.8411% | 1,375 |
| Noninterest expense to average assets | 2.6982% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2368% | 1,528 |
| Return on assets (ROA) | 1.3280% | 1,376 |
| Pretax return on assets | 1.3990% | 1,742 |
| Return on Equity (ROE) | 13.5885% | 954 |
| Retained earnings to average equity (ytd only) | 9.2772% | 918 |
| Net charge-offs to loans | -0.0177% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4337% | 2,261 |
| Assets per employee ($millions) | 5.1713% | 3,045 |
| Cash dividends to net income (ytd only)* | 31.7274% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 3,501 |
| Loan loss allowance to noncurrent loans | 1,348.1481% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 4,142 |
| Noncurrent loans to loans | 0.0774% | 4,062 |
| Net loans and leases to total assets | 76.2504% | 1,063 |
| Net loans and leases to deposits | 85.9833% | 1,712 |
| Net loans and leases to core deposits | 95.2621% | 1,528 |
| Total domestic deposits to total assets | 88.6805% | 904 |
| Equity capital to assets | 9.5714% | 3,630 |
| Core capital (leverage) ratio | 9.5900% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5859% | 1,968 |
| Memoranda: | ||
| Average total assets | $170,876,750 | 3,169 |
| Average earning assets | $160,065,500 | 3,152 |
| Average equity | $16,700,000 | 3,481 |
| Average total loans | $127,725,500 | 2,896 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 2,337 |
| Cost of funding earning assets | 0.9699% | 1,073 |
| Net interest margin | 3.3806% | 3,158 |
| Noninterest income to average assets | 0.8561% | 1,272 |
| Noninterest expense to average assets | 2.7032% | 2,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2446% | 1,508 |
| Return on assets (ROA) | 1.3445% | 1,334 |
| Pretax return on assets | 1.4209% | 1,671 |
| Return on Equity (ROE) | 13.6551% | 944 |
| Retained earnings to average equity (ytd only) | 9.2894% | 938 |
| Net charge-offs to loans | 0.0048% | 2,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 367.3333% | 281 |
| Efficiency ratio | 67.2608% | 2,340 |
| Assets per employee ($millions) | 5.1229% | 3,035 |
| Cash dividends to net income (ytd only)* | 31.9716% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,334 |
| Loan loss allowance to noncurrent loans | 1,595.5556% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 4,280 |
| Noncurrent loans to loans | 0.0656% | 4,214 |
| Net loans and leases to total assets | 75.7082% | 1,185 |
| Net loans and leases to deposits | 88.0759% | 1,553 |
| Net loans and leases to core deposits | 95.2129% | 1,641 |
| Total domestic deposits to total assets | 85.9578% | 2,026 |
| Equity capital to assets | 9.4812% | 3,675 |
| Core capital (leverage) ratio | 9.5635% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5685% | 1,972 |
| Memoranda: | ||
| Average total assets | $167,503,333 | 3,177 |
| Average earning assets | $156,717,667 | 3,166 |
| Average equity | $16,492,000 | 3,506 |
| Average total loans | $123,811,667 | 2,935 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 2,212 |
| Cost of funding earning assets | 0.9925% | 1,450 |
| Net interest margin | 3.5428% | 2,838 |
| Noninterest income to average assets | 0.9505% | 953 |
| Noninterest expense to average assets | 2.7252% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4636% | 849 |
| Return on assets (ROA) | 1.4826% | 888 |
| Pretax return on assets | 1.5495% | 1,184 |
| Return on Equity (ROE) | 14.7555% | 582 |
| Retained earnings to average equity (ytd only) | 10.3215% | 684 |
| Net charge-offs to loans | 0.0307% | 1,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 68.6667% | 736 |
| Efficiency ratio | 64.0489% | 3,229 |
| Assets per employee ($millions) | 4.5593% | 3,183 |
| Cash dividends to net income (ytd only)* | 30.0501% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,612 |
| Loan loss allowance to noncurrent loans | 979.4521% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 2,731 |
| Noncurrent loans to loans | 0.1236% | 4,025 |
| Net loans and leases to total assets | 73.1549% | 1,757 |
| Net loans and leases to deposits | 82.7975% | 2,354 |
| Net loans and leases to core deposits | 89.7570% | 2,371 |
| Total domestic deposits to total assets | 88.3541% | 950 |
| Equity capital to assets | 10.3418% | 3,474 |
| Core capital (leverage) ratio | 10.2679% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6637% | 2,020 |
| Memoranda: | ||
| Average total assets | $161,603,500 | 3,197 |
| Average earning assets | $150,728,500 | 3,186 |
| Average equity | $16,238,000 | 3,536 |
| Average total loans | $117,126,000 | 2,988 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8048% | 2,032 |
| Cost of funding earning assets | 0.8964% | 2,204 |
| Net interest margin | 3.9085% | 2,146 |
| Noninterest income to average assets | 0.9800% | 1,016 |
| Noninterest expense to average assets | 2.9495% | 2,147 |
| Loan and lease loss provision to assets | 0.1527% | 1,384 |
| Net operating income to assets | 1.4369% | 1,227 |
| Return on assets (ROA) | 1.4522% | 1,240 |
| Pretax return on assets | 1.5263% | 1,726 |
| Return on Equity (ROE) | 14.4637% | 802 |
| Retained earnings to average equity (ytd only) | 6.3784% | 1,683 |
| Net charge-offs to loans | -0.0154% | 4,579 |
| Credit loss provision to net charge-offs | -1,394.1176% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9475% | 3,080 |
| Assets per employee ($millions) | 4.6752% | 2,979 |
| Cash dividends to net income (ytd only)* | 55.9006% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,234 |
| Loan loss allowance to noncurrent loans | 1,370.4762% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 2,809 |
| Noncurrent loans to loans | 0.0905% | 4,168 |
| Net loans and leases to total assets | 70.0633% | 2,388 |
| Net loans and leases to deposits | 78.9943% | 2,906 |
| Net loans and leases to core deposits | 85.0471% | 2,869 |
| Total domestic deposits to total assets | 88.6941% | 799 |
| Equity capital to assets | 9.7615% | 4,139 |
| Core capital (leverage) ratio | 9.9112% | 3,609 |
| Tier 1 risk-based capital ratio | 13.0795% | 3,757 |
| Total risk-based capital ratio | 14.2584% | 3,663 |
| Memoranda: | ||
| Average total assets | $155,210,400 | 3,240 |
| Average earning assets | $144,251,200 | 3,230 |
| Average equity | $15,583,800 | 3,583 |
| Average total loans | $110,149,000 | 3,085 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 1,956 |
| Cost of funding earning assets | 0.8645% | 2,388 |
| Net interest margin | 3.9901% | 1,973 |
| Noninterest income to average assets | 0.8499% | 1,277 |
| Noninterest expense to average assets | 2.9121% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5698% | 994 |
| Return on assets (ROA) | 1.5823% | 1,025 |
| Pretax return on assets | 1.6529% | 1,464 |
| Return on Equity (ROE) | 15.6434% | 666 |
| Retained earnings to average equity (ytd only) | 10.9942% | 528 |
| Net charge-offs to loans | -0.0196% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9755% | 3,009 |
| Assets per employee ($millions) | 4.5057% | 3,198 |
| Cash dividends to net income (ytd only)* | 29.7192% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,356 |
| Loan loss allowance to noncurrent loans | 1,081.9820% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.5206% | 2,440 |
| Noncurrent loans to loans | 0.0959% | 4,219 |
| Net loans and leases to total assets | 72.6661% | 2,053 |
| Net loans and leases to deposits | 82.2806% | 2,652 |
| Net loans and leases to core deposits | 89.0153% | 2,634 |
| Total domestic deposits to total assets | 88.3150% | 909 |
| Equity capital to assets | 10.3108% | 3,705 |
| Core capital (leverage) ratio | 10.4803% | 3,121 |
| Tier 1 risk-based capital ratio | 13.3771% | 3,645 |
| Total risk-based capital ratio | 14.3659% | 3,694 |
| Memoranda: | ||
| Average total assets | $153,105,000 | 3,292 |
| Average earning assets | $142,049,750 | 3,285 |
| Average equity | $15,486,500 | 3,630 |
| Average total loans | $108,665,000 | 3,141 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 2,055 |
| Cost of funding earning assets | 0.8161% | 2,568 |
| Net interest margin | 3.9851% | 1,966 |
| Noninterest income to average assets | 0.8524% | 1,197 |
| Noninterest expense to average assets | 2.9491% | 2,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5319% | 1,058 |
| Return on assets (ROA) | 1.5306% | 1,111 |
| Pretax return on assets | 1.6005% | 1,550 |
| Return on Equity (ROE) | 15.2344% | 718 |
| Retained earnings to average equity (ytd only) | 10.5065% | 637 |
| Net charge-offs to loans | -0.0245% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8014% | 3,005 |
| Assets per employee ($millions) | 4.4133% | 3,269 |
| Cash dividends to net income (ytd only)* | 31.0345% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,214 |
| Loan loss allowance to noncurrent loans | 1,032.7586% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 2,416 |
| Noncurrent loans to loans | 0.1041% | 4,203 |
| Net loans and leases to total assets | 71.3594% | 2,316 |
| Net loans and leases to deposits | 80.6229% | 2,887 |
| Net loans and leases to core deposits | 86.6686% | 2,910 |
| Total domestic deposits to total assets | 88.5101% | 875 |
| Equity capital to assets | 10.2430% | 3,753 |
| Core capital (leverage) ratio | 10.4458% | 3,146 |
| Tier 1 risk-based capital ratio | 13.8273% | 3,410 |
| Total risk-based capital ratio | 14.8776% | 3,412 |
| Memoranda: | ||
| Average total assets | $151,574,000 | 3,333 |
| Average earning assets | $140,675,330 | 3,317 |
| Average equity | $15,228,670 | 3,661 |
| Average total loans | $106,288,670 | 3,194 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 2,072 |
| Cost of funding earning assets | 0.7650% | 2,708 |
| Net interest margin | 3.9777% | 1,922 |
| Noninterest income to average assets | 0.8553% | 1,159 |
| Noninterest expense to average assets | 3.0427% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4253% | 1,307 |
| Return on assets (ROA) | 1.4228% | 1,345 |
| Pretax return on assets | 1.4947% | 1,787 |
| Return on Equity (ROE) | 14.3048% | 899 |
| Retained earnings to average equity (ytd only) | 9.4830% | 1,171 |
| Net charge-offs to loans | -0.0231% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0188% | 2,795 |
| Assets per employee ($millions) | 4.3087% | 3,476 |
| Cash dividends to net income (ytd only)* | 33.7079% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 2,955 |
| Loan loss allowance to noncurrent loans | 243.0612% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7957% | 1,776 |
| Noncurrent loans to loans | 0.4658% | 2,916 |
| Net loans and leases to total assets | 68.9639% | 2,625 |
| Net loans and leases to deposits | 77.7711% | 3,087 |
| Net loans and leases to core deposits | 80.5497% | 3,315 |
| Total domestic deposits to total assets | 88.6754% | 1,009 |
| Equity capital to assets | 10.0819% | 3,737 |
| Core capital (leverage) ratio | 10.2532% | 3,325 |
| Tier 1 risk-based capital ratio | 14.0203% | 3,332 |
| Total risk-based capital ratio | 15.1099% | 3,327 |
| Memoranda: | ||
| Average total assets | $150,128,000 | 3,384 |
| Average earning assets | $139,076,000 | 3,380 |
| Average equity | $14,932,000 | 3,706 |
| Average total loans | $103,721,000 | 3,261 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 2,347 |
| Cost of funding earning assets | 0.5970% | 2,744 |
| Net interest margin | 3.9391% | 2,196 |
| Noninterest income to average assets | 0.9014% | 1,176 |
| Noninterest expense to average assets | 2.9983% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4505% | 1,273 |
| Return on assets (ROA) | 1.4457% | 1,278 |
| Pretax return on assets | 1.5224% | 1,706 |
| Return on Equity (ROE) | 14.2048% | 1,002 |
| Retained earnings to average equity (ytd only) | 7.4406% | 1,486 |
| Net charge-offs to loans | -0.0133% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2494% | 2,832 |
| Assets per employee ($millions) | 4.2700% | 3,510 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 2,774 |
| Loan loss allowance to noncurrent loans | 626.9841% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 2,232 |
| Noncurrent loans to loans | 0.1848% | 3,917 |
| Net loans and leases to total assets | 67.6242% | 2,931 |
| Net loans and leases to deposits | 76.3054% | 3,327 |
| Net loans and leases to core deposits | 78.7472% | 3,522 |
| Total domestic deposits to total assets | 88.6230% | 1,014 |
| Equity capital to assets | 9.8092% | 3,854 |
| Core capital (leverage) ratio | 10.0276% | 3,545 |
| Tier 1 risk-based capital ratio | 14.0030% | 3,287 |
| Total risk-based capital ratio | 15.1114% | 3,284 |
| Memoranda: | ||
| Average total assets | $139,448,000 | 3,513 |
| Average earning assets | $128,303,600 | 3,520 |
| Average equity | $14,192,400 | 3,727 |
| Average total loans | $97,856,400 | 3,343 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 2,461 |
| Cost of funding earning assets | 0.5654% | 2,736 |
| Net interest margin | 3.8856% | 2,357 |
| Noninterest income to average assets | 0.9434% | 1,074 |
| Noninterest expense to average assets | 2.9597% | 2,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5332% | 1,111 |
| Return on assets (ROA) | 1.5256% | 1,134 |
| Pretax return on assets | 1.5490% | 1,732 |
| Return on Equity (ROE) | 14.8434% | 910 |
| Retained earnings to average equity (ytd only) | 11.4333% | 565 |
| Net charge-offs to loans | -0.0083% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5314% | 2,954 |
| Assets per employee ($millions) | 5.0434% | 2,418 |
| Cash dividends to net income (ytd only)* | 22.9739% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 3,062 |
| Loan loss allowance to noncurrent loans | 453.0769% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 1,902 |
| Noncurrent loans to loans | 0.2477% | 3,801 |
| Net loans and leases to total assets | 70.9575% | 2,500 |
| Net loans and leases to deposits | 80.0804% | 3,034 |
| Net loans and leases to core deposits | 82.9081% | 3,256 |
| Total domestic deposits to total assets | 88.6078% | 999 |
| Equity capital to assets | 10.0234% | 3,621 |
| Core capital (leverage) ratio | 10.5202% | 3,059 |
| Tier 1 risk-based capital ratio | 13.8182% | 3,458 |
| Total risk-based capital ratio | 14.8947% | 3,460 |
| Memoranda: | ||
| Average total assets | $136,947,250 | 3,582 |
| Average earning assets | $125,931,500 | 3,595 |
| Average equity | $14,075,500 | 3,765 |
| Average total loans | $96,758,000 | 3,393 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3522% | 2,578 |
| Cost of funding earning assets | 0.5145% | 2,899 |
| Net interest margin | 3.8377% | 2,426 |
| Noninterest income to average assets | 0.9638% | 1,023 |
| Noninterest expense to average assets | 3.0498% | 1,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4119% | 1,390 |
| Return on assets (ROA) | 1.4016% | 1,439 |
| Pretax return on assets | 1.4255% | 2,069 |
| Return on Equity (ROE) | 13.5152% | 1,205 |
| Retained earnings to average equity (ytd only) | 10.0572% | 912 |
| Net charge-offs to loans | -0.0085% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9880% | 2,647 |
| Assets per employee ($millions) | 4.2847% | 3,445 |
| Cash dividends to net income (ytd only)* | 25.5864% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 2,780 |
| Loan loss allowance to noncurrent loans | 515.7895% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8379% | 1,782 |
| Noncurrent loans to loans | 0.2309% | 3,886 |
| Net loans and leases to total assets | 73.4549% | 2,047 |
| Net loans and leases to deposits | 83.5428% | 2,586 |
| Net loans and leases to core deposits | 86.5939% | 2,863 |
| Total domestic deposits to total assets | 87.9249% | 1,421 |
| Equity capital to assets | 10.6816% | 2,948 |
| Core capital (leverage) ratio | 11.1878% | 2,358 |
| Tier 1 risk-based capital ratio | 14.1412% | 3,292 |
| Total risk-based capital ratio | 15.2793% | 3,265 |
| Memoranda: | ||
| Average total assets | $133,843,670 | 3,645 |
| Average earning assets | $122,833,330 | 3,660 |
| Average equity | $13,880,670 | 3,810 |
| Average total loans | $94,024,330 | 3,444 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 2,863 |
| Cost of funding earning assets | 0.4810% | 2,952 |
| Net interest margin | 3.7243% | 2,709 |
| Noninterest income to average assets | 0.9944% | 921 |
| Noninterest expense to average assets | 3.0934% | 1,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2862% | 1,692 |
| Return on assets (ROA) | 1.2862% | 1,697 |
| Pretax return on assets | 1.3130% | 2,313 |
| Return on Equity (ROE) | 12.5883% | 1,381 |
| Retained earnings to average equity (ytd only) | 9.0916% | 1,427 |
| Net charge-offs to loans | -0.0087% | 4,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2027% | 2,458 |
| Assets per employee ($millions) | 4.2201% | 3,615 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,476 |
| Loan loss allowance to noncurrent loans | 512.6638% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8515% | 1,855 |
| Noncurrent loans to loans | 0.2452% | 3,887 |
| Net loans and leases to total assets | 70.5008% | 2,391 |
| Net loans and leases to deposits | 80.0889% | 2,801 |
| Net loans and leases to core deposits | 85.7047% | 2,830 |
| Total domestic deposits to total assets | 88.0282% | 1,603 |
| Equity capital to assets | 10.5493% | 3,025 |
| Core capital (leverage) ratio | 10.8282% | 2,602 |
| Tier 1 risk-based capital ratio | 14.3627% | 3,188 |
| Total risk-based capital ratio | 15.5479% | 3,145 |
| Memoranda: | ||
| Average total assets | $134,352,000 | 3,676 |
| Average earning assets | $123,083,000 | 3,693 |
| Average equity | $13,727,000 | 3,868 |
| Average total loans | $91,664,500 | 3,510 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,264 |
| Cost of funding earning assets | 0.4728% | 2,578 |
| Net interest margin | 3.5704% | 3,267 |
| Noninterest income to average assets | 0.9947% | 1,030 |
| Noninterest expense to average assets | 3.1359% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0800% | 1,934 |
| Return on assets (ROA) | 1.0912% | 1,906 |
| Pretax return on assets | 1.1325% | 3,050 |
| Return on Equity (ROE) | 10.3660% | 1,742 |
| Retained earnings to average equity (ytd only) | 4.1553% | 2,677 |
| Net charge-offs to loans | 0.0047% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 360.0000% | 243 |
| Efficiency ratio | 73.6698% | 1,951 |
| Assets per employee ($millions) | 4.3088% | 3,471 |
| Cash dividends to net income (ytd only)* | 59.9144% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 2,201 |
| Loan loss allowance to noncurrent loans | 356.2310% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 1,889 |
| Noncurrent loans to loans | 0.3659% | 3,453 |
| Net loans and leases to total assets | 64.3683% | 3,322 |
| Net loans and leases to deposits | 72.7169% | 3,627 |
| Net loans and leases to core deposits | 77.4901% | 3,629 |
| Total domestic deposits to total assets | 88.5190% | 1,244 |
| Equity capital to assets | 9.9021% | 3,816 |
| Core capital (leverage) ratio | 10.4404% | 2,913 |
| Tier 1 risk-based capital ratio | 14.4759% | 3,102 |
| Total risk-based capital ratio | 15.6952% | 3,031 |
| Memoranda: | ||
| Average total assets | $128,479,400 | 3,770 |
| Average earning assets | $117,380,800 | 3,797 |
| Average equity | $13,525,000 | 3,912 |
| Average total loans | $84,252,400 | 3,652 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 3,361 |
| Cost of funding earning assets | 0.4694% | 2,528 |
| Net interest margin | 3.5304% | 3,388 |
| Noninterest income to average assets | 1.0285% | 963 |
| Noninterest expense to average assets | 3.1438% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0817% | 2,166 |
| Return on assets (ROA) | 1.0973% | 2,155 |
| Pretax return on assets | 1.1205% | 3,230 |
| Return on Equity (ROE) | 10.2569% | 2,009 |
| Retained earnings to average equity (ytd only) | 6.6996% | 1,840 |
| Net charge-offs to loans | 0.0016% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1,047.5940% | 95 |
| Efficiency ratio | 73.9985% | 1,891 |
| Assets per employee ($millions) | 3.9996% | 3,994 |
| Cash dividends to net income (ytd only)* | 34.6821% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 2,198 |
| Loan loss allowance to noncurrent loans | 466.2698% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8298% | 2,074 |
| Noncurrent loans to loans | 0.2856% | 3,924 |
| Net loans and leases to total assets | 68.0155% | 2,842 |
| Net loans and leases to deposits | 77.6347% | 3,206 |
| Net loans and leases to core deposits | 83.8206% | 3,139 |
| Total domestic deposits to total assets | 87.6097% | 1,574 |
| Equity capital to assets | 10.8800% | 2,974 |
| Core capital (leverage) ratio | 11.1651% | 2,308 |
| Tier 1 risk-based capital ratio | 14.9721% | 2,930 |
| Total risk-based capital ratio | 16.2217% | 2,858 |
| Memoranda: | ||
| Average total assets | $126,129,250 | 3,847 |
| Average earning assets | $115,036,250 | 3,867 |
| Average equity | $13,493,000 | 3,958 |
| Average total loans | $82,834,750 | 3,704 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 3,549 |
| Cost of funding earning assets | 0.4595% | 2,516 |
| Net interest margin | 3.4400% | 3,630 |
| Noninterest income to average assets | 1.0629% | 892 |
| Noninterest expense to average assets | 3.1711% | 1,652 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0059% | 2,397 |
| Return on assets (ROA) | 1.0262% | 2,349 |
| Pretax return on assets | 1.0501% | 3,373 |
| Return on Equity (ROE) | 9.6487% | 2,194 |
| Retained earnings to average equity (ytd only) | 6.0529% | 2,081 |
| Net charge-offs to loans | 0.0123% | 3,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 129.2000% | 550 |
| Efficiency ratio | 75.4932% | 1,802 |
| Assets per employee ($millions) | 3.8777% | 4,165 |
| Cash dividends to net income (ytd only)* | 37.2671% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,111 |
| Loan loss allowance to noncurrent loans | 234.6693% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 1.0549% | 1,658 |
| Noncurrent loans to loans | 0.5799% | 2,995 |
| Net loans and leases to total assets | 68.3991% | 2,749 |
| Net loans and leases to deposits | 78.1663% | 3,101 |
| Net loans and leases to core deposits | 83.8045% | 3,089 |
| Total domestic deposits to total assets | 87.5045% | 1,718 |
| Equity capital to assets | 11.0142% | 2,791 |
| Core capital (leverage) ratio | 11.2884% | 2,138 |
| Tier 1 risk-based capital ratio | 14.8697% | 2,986 |
| Total risk-based capital ratio | 16.1203% | 2,912 |
| Memoranda: | ||
| Average total assets | $125,510,000 | 3,873 |
| Average earning assets | $114,477,330 | 3,903 |
| Average equity | $13,349,000 | 3,989 |
| Average total loans | $81,037,670 | 3,767 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7794% | 3,833 |
| Cost of funding earning assets | 0.4520% | 2,509 |
| Net interest margin | 3.3274% | 3,922 |
| Noninterest income to average assets | 1.1503% | 763 |
| Noninterest expense to average assets | 3.2387% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9223% | 2,654 |
| Return on assets (ROA) | 0.9285% | 2,676 |
| Pretax return on assets | 0.9507% | 3,584 |
| Return on Equity (ROE) | 8.8855% | 2,469 |
| Retained earnings to average equity (ytd only) | 5.2464% | 2,759 |
| Net charge-offs to loans | 0.1121% | 1,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 13.5455% | 1,776 |
| Efficiency ratio | 77.4242% | 1,706 |
| Assets per employee ($millions) | 3.8373% | 4,285 |
| Cash dividends to net income (ytd only)* | 40.9556% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 2,040 |
| Loan loss allowance to noncurrent loans | 214.4981% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0978% | 1,624 |
| Noncurrent loans to loans | 0.6566% | 2,865 |
| Net loans and leases to total assets | 65.7852% | 3,004 |
| Net loans and leases to deposits | 75.0790% | 3,293 |
| Net loans and leases to core deposits | 81.3443% | 3,153 |
| Total domestic deposits to total assets | 87.6213% | 1,929 |
| Equity capital to assets | 10.8444% | 2,807 |
| Core capital (leverage) ratio | 11.0179% | 2,348 |
| Tier 1 risk-based capital ratio | 15.0853% | 2,926 |
| Total risk-based capital ratio | 16.3356% | 2,857 |
| Memoranda: | ||
| Average total assets | $126,222,500 | 3,901 |
| Average earning assets | $115,045,500 | 3,931 |
| Average equity | $13,190,000 | 4,033 |
| Average total loans | $78,534,500 | 3,849 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 3,636 |
| Cost of funding earning assets | 0.4653% | 2,395 |
| Net interest margin | 3.4180% | 3,756 |
| Noninterest income to average assets | 1.0648% | 997 |
| Noninterest expense to average assets | 3.2777% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8735% | 2,962 |
| Return on assets (ROA) | 0.8951% | 2,973 |
| Pretax return on assets | 0.9208% | 3,768 |
| Return on Equity (ROE) | 7.9508% | 2,967 |
| Retained earnings to average equity (ytd only) | 3.8383% | 3,190 |
| Net charge-offs to loans | -0.0013% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4849% | 1,628 |
| Assets per employee ($millions) | 3.9289% | 4,100 |
| Cash dividends to net income (ytd only)* | 51.7241% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 1,454 |
| Loan loss allowance to noncurrent loans | 192.4714% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 1.0960% | 1,707 |
| Noncurrent loans to loans | 0.8132% | 2,488 |
| Net loans and leases to total assets | 57.0446% | 4,159 |
| Net loans and leases to deposits | 64.5313% | 4,363 |
| Net loans and leases to core deposits | 69.5446% | 4,279 |
| Total domestic deposits to total assets | 88.3983% | 1,437 |
| Equity capital to assets | 10.0761% | 3,639 |
| Core capital (leverage) ratio | 10.7707% | 2,563 |
| Tier 1 risk-based capital ratio | 16.2665% | 2,440 |
| Total risk-based capital ratio | 17.5188% | 2,377 |
| Memoranda: | ||
| Average total assets | $116,637,800 | 4,049 |
| Average earning assets | $106,174,400 | 4,073 |
| Average equity | $13,130,800 | 4,073 |
| Average total loans | $75,456,600 | 3,913 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 3,270 |
| Cost of funding earning assets | 0.4664% | 2,405 |
| Net interest margin | 3.5208% | 3,389 |
| Noninterest income to average assets | 1.1065% | 927 |
| Noninterest expense to average assets | 3.3713% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9146% | 2,834 |
| Return on assets (ROA) | 0.9443% | 2,816 |
| Pretax return on assets | 0.9701% | 3,737 |
| Return on Equity (ROE) | 8.1433% | 2,936 |
| Retained earnings to average equity (ytd only) | 5.1010% | 2,755 |
| Net charge-offs to loans | 0.0777% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 18.1577% | 2,010 |
| Efficiency ratio | 78.2051% | 1,661 |
| Assets per employee ($millions) | 3.9957% | 3,976 |
| Cash dividends to net income (ytd only)* | 37.3599% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 1,818 |
| Loan loss allowance to noncurrent loans | 181.2500% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 1.2380% | 1,594 |
| Noncurrent loans to loans | 0.8189% | 2,623 |
| Net loans and leases to total assets | 62.6251% | 3,566 |
| Net loans and leases to deposits | 71.8820% | 3,819 |
| Net loans and leases to core deposits | 78.2607% | 3,641 |
| Total domestic deposits to total assets | 87.1221% | 1,841 |
| Equity capital to assets | 11.1527% | 2,850 |
| Core capital (leverage) ratio | 11.4934% | 2,039 |
| Tier 1 risk-based capital ratio | 16.3113% | 2,492 |
| Total risk-based capital ratio | 17.5624% | 2,444 |
| Memoranda: | ||
| Average total assets | $113,384,000 | 4,136 |
| Average earning assets | $103,193,000 | 4,161 |
| Average equity | $13,147,500 | 4,102 |
| Average total loans | $75,536,750 | 3,943 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0546% | 3,045 |
| Cost of funding earning assets | 0.4647% | 2,428 |
| Net interest margin | 3.5899% | 3,135 |
| Noninterest income to average assets | 1.0861% | 950 |
| Noninterest expense to average assets | 3.3735% | 1,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9640% | 2,552 |
| Return on assets (ROA) | 0.9674% | 2,684 |
| Pretax return on assets | 0.9944% | 3,608 |
| Return on Equity (ROE) | 8.2303% | 2,870 |
| Retained earnings to average equity (ytd only) | 5.4767% | 2,434 |
| Net charge-offs to loans | 0.1195% | 1,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.2444% | 2,196 |
| Efficiency ratio | 77.2971% | 1,886 |
| Assets per employee ($millions) | 3.7948% | 4,273 |
| Cash dividends to net income (ytd only)* | 33.4572% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,973 |
| Loan loss allowance to noncurrent loans | 209.6475% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 1.4116% | 1,384 |
| Noncurrent loans to loans | 0.7027% | 2,970 |
| Net loans and leases to total assets | 66.3870% | 3,029 |
| Net loans and leases to deposits | 76.6587% | 3,310 |
| Net loans and leases to core deposits | 81.9334% | 3,275 |
| Total domestic deposits to total assets | 86.6008% | 2,112 |
| Equity capital to assets | 11.6784% | 2,380 |
| Core capital (leverage) ratio | 11.8350% | 1,739 |
| Tier 1 risk-based capital ratio | 16.1398% | 2,572 |
| Total risk-based capital ratio | 17.3911% | 2,520 |
| Memoranda: | ||
| Average total assets | $111,221,330 | 4,201 |
| Average earning assets | $101,562,670 | 4,238 |
| Average equity | $13,073,670 | 4,144 |
| Average total loans | $75,315,330 | 3,967 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0842% | 2,908 |
| Cost of funding earning assets | 0.4612% | 2,454 |
| Net interest margin | 3.6229% | 2,992 |
| Noninterest income to average assets | 1.1209% | 869 |
| Noninterest expense to average assets | 3.3991% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0408% | 2,117 |
| Return on assets (ROA) | 1.0408% | 2,234 |
| Pretax return on assets | 1.0663% | 3,216 |
| Return on Equity (ROE) | 8.8251% | 2,509 |
| Retained earnings to average equity (ytd only) | 6.9737% | 1,898 |
| Net charge-offs to loans | 0.0214% | 2,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 73.2500% | 670 |
| Efficiency ratio | 76.1206% | 2,160 |
| Assets per employee ($millions) | 3.6884% | 4,489 |
| Cash dividends to net income (ytd only)* | 20.9790% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 1,854 |
| Loan loss allowance to noncurrent loans | 187.9615% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4939% | 1,365 |
| Noncurrent loans to loans | 0.8159% | 2,799 |
| Net loans and leases to total assets | 67.9521% | 2,653 |
| Net loans and leases to deposits | 78.6599% | 2,925 |
| Net loans and leases to core deposits | 83.5743% | 2,970 |
| Total domestic deposits to total assets | 86.3872% | 2,499 |
| Equity capital to assets | 11.8569% | 2,113 |
| Core capital (leverage) ratio | 11.9304% | 1,657 |
| Tier 1 risk-based capital ratio | 15.9228% | 2,718 |
| Total risk-based capital ratio | 17.1747% | 2,658 |
| Memoranda: | ||
| Average total assets | $109,910,500 | 4,262 |
| Average earning assets | $101,464,500 | 4,261 |
| Average equity | $12,963,000 | 4,171 |
| Average total loans | $74,619,500 | 4,009 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0111% | 3,275 |
| Cost of funding earning assets | 0.5648% | 1,634 |
| Net interest margin | 3.4463% | 3,736 |
| Noninterest income to average assets | 0.9400% | 1,338 |
| Noninterest expense to average assets | 3.4035% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6869% | 3,876 |
| Return on assets (ROA) | 0.7594% | 3,625 |
| Pretax return on assets | 0.7849% | 4,241 |
| Return on Equity (ROE) | 6.3127% | 3,894 |
| Retained earnings to average equity (ytd only) | 3.0109% | 3,914 |
| Net charge-offs to loans | -0.0672% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7356% | 1,305 |
| Assets per employee ($millions) | 3.6389% | 4,583 |
| Cash dividends to net income (ytd only)* | 52.3039% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 1,577 |
| Loan loss allowance to noncurrent loans | 161.8457% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 1.6085% | 1,224 |
| Noncurrent loans to loans | 0.9962% | 2,347 |
| Net loans and leases to total assets | 65.6804% | 3,030 |
| Net loans and leases to deposits | 76.0240% | 3,249 |
| Net loans and leases to core deposits | 80.5677% | 3,285 |
| Total domestic deposits to total assets | 86.3944% | 2,435 |
| Equity capital to assets | 11.7305% | 2,171 |
| Core capital (leverage) ratio | 11.7334% | 1,794 |
| Tier 1 risk-based capital ratio | 16.2707% | 2,576 |
| Total risk-based capital ratio | 17.5234% | 2,533 |
| Memoranda: | ||
| Average total assets | $105,744,600 | 4,341 |
| Average earning assets | $97,378,800 | 4,354 |
| Average equity | $12,720,400 | 4,185 |
| Average total loans | $71,410,800 | 4,059 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9715% | 3,457 |
| Cost of funding earning assets | 0.5689% | 1,639 |
| Net interest margin | 3.4026% | 3,947 |
| Noninterest income to average assets | 0.9712% | 1,253 |
| Noninterest expense to average assets | 3.4207% | 1,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6652% | 4,054 |
| Return on assets (ROA) | 0.7487% | 3,782 |
| Pretax return on assets | 0.7601% | 4,460 |
| Return on Equity (ROE) | 6.1840% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.2942% | 3,411 |
| Net charge-offs to loans | 0.0713% | 2,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 13.9724% | 2,278 |
| Efficiency ratio | 83.5196% | 1,219 |
| Assets per employee ($millions) | 3.5178% | 4,765 |
| Cash dividends to net income (ytd only)* | 30.5599% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 2,433 |
| Loan loss allowance to noncurrent loans | 139.0805% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.7179% | 1,259 |
| Noncurrent loans to loans | 1.0316% | 2,412 |
| Net loans and leases to total assets | 70.8925% | 2,253 |
| Net loans and leases to deposits | 82.5253% | 2,581 |
| Net loans and leases to core deposits | 86.6546% | 2,784 |
| Total domestic deposits to total assets | 85.9039% | 2,581 |
| Equity capital to assets | 12.2284% | 1,928 |
| Core capital (leverage) ratio | 12.1962% | 1,569 |
| Tier 1 risk-based capital ratio | 15.9058% | 2,844 |
| Total risk-based capital ratio | 17.1568% | 2,782 |
| Memoranda: | ||
| Average total assets | $104,888,750 | 4,405 |
| Average earning assets | $96,316,750 | 4,429 |
| Average equity | $12,699,000 | 4,240 |
| Average total loans | $71,044,250 | 4,109 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 3,797 |
| Cost of funding earning assets | 0.5712% | 1,637 |
| Net interest margin | 3.2999% | 4,305 |
| Noninterest income to average assets | 0.9764% | 1,231 |
| Noninterest expense to average assets | 3.3609% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6382% | 4,181 |
| Return on assets (ROA) | 0.6439% | 4,260 |
| Pretax return on assets | 0.6458% | 4,836 |
| Return on Equity (ROE) | 5.3364% | 4,460 |
| Retained earnings to average equity (ytd only) | 3.4362% | 3,858 |
| Net charge-offs to loans | 0.5214% | 475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.8508% | 3,440 |
| Efficiency ratio | 84.0019% | 1,267 |
| Assets per employee ($millions) | 3.5569% | 4,702 |
| Cash dividends to net income (ytd only)* | 35.6083% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 3,270 |
| Loan loss allowance to noncurrent loans | 93.4783% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.9249% | 1,165 |
| Noncurrent loans to loans | 1.3852% | 1,949 |
| Net loans and leases to total assets | 67.5801% | 2,701 |
| Net loans and leases to deposits | 78.2610% | 2,997 |
| Net loans and leases to core deposits | 82.1087% | 3,160 |
| Total domestic deposits to total assets | 86.3522% | 2,506 |
| Equity capital to assets | 11.8719% | 2,123 |
| Core capital (leverage) ratio | 12.0946% | 1,598 |
| Tier 1 risk-based capital ratio | 16.1246% | 2,796 |
| Total risk-based capital ratio | 17.3288% | 2,775 |
| Memoranda: | ||
| Average total assets | $104,674,000 | 4,449 |
| Average earning assets | $95,942,670 | 4,471 |
| Average equity | $12,630,330 | 4,275 |
| Average total loans | $69,424,330 | 4,178 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6414% | 4,560 |
| Cost of funding earning assets | 0.4277% | 2,992 |
| Net interest margin | 3.2138% | 4,555 |
| Noninterest income to average assets | 0.9454% | 1,246 |
| Noninterest expense to average assets | 3.3495% | 1,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5480% | 4,486 |
| Return on assets (ROA) | 0.5595% | 4,553 |
| Pretax return on assets | 0.5364% | 5,079 |
| Return on Equity (ROE) | 4.5990% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.5990% | 3,270 |
| Net charge-offs to loans | 1.2780% | 158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.6296% | 3,030 |
| Efficiency ratio | 86.4542% | 1,141 |
| Assets per employee ($millions) | 3.4533% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 3,311 |
| Loan loss allowance to noncurrent loans | 37.1382% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 3.4884% | 476 |
| Noncurrent loans to loans | 3.5495% | 534 |
| Net loans and leases to total assets | 65.8272% | 2,811 |
| Net loans and leases to deposits | 76.5888% | 2,981 |
| Net loans and leases to core deposits | 79.3247% | 3,245 |
| Total domestic deposits to total assets | 85.9488% | 2,970 |
| Equity capital to assets | 12.2732% | 1,838 |
| Core capital (leverage) ratio | 12.1770% | 1,526 |
| Tier 1 risk-based capital ratio | 16.8936% | 2,523 |
| Total risk-based capital ratio | 18.1157% | 2,484 |
| Memoranda: | ||
| Average total assets | $103,658,000 | 4,507 |
| Average earning assets | $94,469,000 | 4,537 |
| Average equity | $12,611,500 | 4,303 |
| Average total loans | $67,607,500 | 4,246 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 4,024 |
| Cost of funding earning assets | 0.6331% | 1,525 |
| Net interest margin | 3.2957% | 4,581 |
| Noninterest income to average assets | 1.0494% | 1,108 |
| Noninterest expense to average assets | 3.5511% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5491% | 4,601 |
| Return on assets (ROA) | 0.5510% | 4,682 |
| Pretax return on assets | 0.5569% | 5,086 |
| Return on Equity (ROE) | 4.5898% | 4,846 |
| Retained earnings to average equity (ytd only) | 2.1528% | 4,703 |
| Net charge-offs to loans | -0.0817% | 6,067 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4846% | 1,121 |
| Assets per employee ($millions) | 3.7041% | 4,519 |
| Cash dividends to net income (ytd only)* | 53.0973% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 1,763 |
| Loan loss allowance to noncurrent loans | 92.3014% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 2.1115% | 1,173 |
| Noncurrent loans to loans | 1.8470% | 1,544 |
| Net loans and leases to total assets | 62.6519% | 3,418 |
| Net loans and leases to deposits | 72.8426% | 3,576 |
| Net loans and leases to core deposits | 75.4380% | 3,772 |
| Total domestic deposits to total assets | 86.0099% | 2,832 |
| Equity capital to assets | 12.0599% | 1,977 |
| Core capital (leverage) ratio | 12.0822% | 1,573 |
| Tier 1 risk-based capital ratio | 17.5147% | 2,311 |
| Total risk-based capital ratio | 18.7694% | 2,277 |
| Memoranda: | ||
| Average total assets | $102,532,200 | 4,535 |
| Average earning assets | $95,093,600 | 4,529 |
| Average equity | $12,309,800 | 4,302 |
| Average total loans | $64,896,800 | 4,337 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 4,139 |
| Cost of funding earning assets | 0.6364% | 1,552 |
| Net interest margin | 3.2734% | 4,703 |
| Noninterest income to average assets | 1.0524% | 1,110 |
| Noninterest expense to average assets | 3.4299% | 1,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6261% | 4,324 |
| Return on assets (ROA) | 0.6286% | 4,413 |
| Pretax return on assets | 0.6573% | 4,852 |
| Return on Equity (ROE) | 5.2417% | 4,605 |
| Retained earnings to average equity (ytd only) | 3.2843% | 4,285 |
| Net charge-offs to loans | -0.0867% | 6,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9719% | 1,389 |
| Assets per employee ($millions) | 3.6261% | 4,620 |
| Cash dividends to net income (ytd only)* | 37.3438% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 2,205 |
| Loan loss allowance to noncurrent loans | 95.1407% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 2.2623% | 1,210 |
| Noncurrent loans to loans | 1.7109% | 1,902 |
| Net loans and leases to total assets | 66.4254% | 2,783 |
| Net loans and leases to deposits | 77.4370% | 3,015 |
| Net loans and leases to core deposits | 80.0406% | 3,307 |
| Total domestic deposits to total assets | 85.7799% | 2,969 |
| Equity capital to assets | 12.2631% | 1,852 |
| Core capital (leverage) ratio | 12.1469% | 1,606 |
| Tier 1 risk-based capital ratio | 16.8613% | 2,665 |
| Total risk-based capital ratio | 18.1143% | 2,613 |
| Memoranda: | ||
| Average total assets | $102,236,250 | 4,591 |
| Average earning assets | $94,700,750 | 4,580 |
| Average equity | $12,260,250 | 4,333 |
| Average total loans | $64,594,250 | 4,386 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8681% | 4,270 |
| Cost of funding earning assets | 0.7142% | 1,118 |
| Net interest margin | 3.1539% | 5,080 |
| Noninterest income to average assets | 1.0247% | 1,136 |
| Noninterest expense to average assets | 3.3141% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6052% | 4,334 |
| Return on assets (ROA) | 0.6090% | 4,407 |
| Pretax return on assets | 0.6363% | 4,830 |
| Return on Equity (ROE) | 5.1162% | 4,619 |
| Retained earnings to average equity (ytd only) | 2.1645% | 4,809 |
| Net charge-offs to loans | -0.0790% | 6,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9763% | 1,519 |
| Assets per employee ($millions) | 3.6814% | 4,485 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 2,322 |
| Loan loss allowance to noncurrent loans | 78.7814% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 2.4438% | 1,173 |
| Noncurrent loans to loans | 2.0818% | 1,607 |
| Net loans and leases to total assets | 63.9409% | 3,078 |
| Net loans and leases to deposits | 74.2896% | 3,287 |
| Net loans and leases to core deposits | 76.9668% | 3,542 |
| Total domestic deposits to total assets | 86.0698% | 3,005 |
| Equity capital to assets | 11.9938% | 1,985 |
| Core capital (leverage) ratio | 12.0486% | 1,627 |
| Tier 1 risk-based capital ratio | 17.1819% | 2,544 |
| Total risk-based capital ratio | 18.4360% | 2,505 |
| Memoranda: | ||
| Average total assets | $102,471,000 | 4,625 |
| Average earning assets | $94,931,000 | 4,617 |
| Average equity | $12,196,670 | 4,361 |
| Average total loans | $63,272,670 | 4,449 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 4,463 |
| Cost of funding earning assets | 0.7233% | 1,109 |
| Net interest margin | 3.0835% | 5,303 |
| Noninterest income to average assets | 1.0845% | 950 |
| Noninterest expense to average assets | 3.2300% | 2,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6815% | 3,777 |
| Return on assets (ROA) | 0.6891% | 3,820 |
| Pretax return on assets | 0.7165% | 4,435 |
| Return on Equity (ROE) | 5.8117% | 4,125 |
| Retained earnings to average equity (ytd only) | 1.8492% | 4,858 |
| Net charge-offs to loans | -0.0977% | 6,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0080% | 1,924 |
| Assets per employee ($millions) | 3.6662% | 4,597 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 2,214 |
| Loan loss allowance to noncurrent loans | 75.3112% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 2.6322% | 1,172 |
| Noncurrent loans to loans | 2.3143% | 1,534 |
| Net loans and leases to total assets | 59.8054% | 3,595 |
| Net loans and leases to deposits | 69.3797% | 3,678 |
| Net loans and leases to core deposits | 71.8809% | 3,882 |
| Total domestic deposits to total assets | 86.2001% | 3,254 |
| Equity capital to assets | 11.8974% | 1,942 |
| Core capital (leverage) ratio | 12.0051% | 1,650 |
| Tier 1 risk-based capital ratio | 18.1872% | 2,213 |
| Total risk-based capital ratio | 19.4411% | 2,181 |
| Memoranda: | ||
| Average total assets | $102,167,500 | 4,682 |
| Average earning assets | $94,569,000 | 4,669 |
| Average equity | $12,113,500 | 4,398 |
| Average total loans | $61,405,000 | 4,536 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7453% | 4,994 |
| Cost of funding earning assets | 0.7658% | 1,402 |
| Net interest margin | 2.9794% | 5,625 |
| Noninterest income to average assets | 0.9131% | 1,638 |
| Noninterest expense to average assets | 3.5732% | 1,497 |
| Loan and lease loss provision to assets | 0.0290% | 4,533 |
| Net operating income to assets | 0.0783% | 6,082 |
| Return on assets (ROA) | 0.0976% | 6,102 |
| Pretax return on assets | 0.0744% | 6,122 |
| Return on Equity (ROE) | 0.8181% | 6,111 |
| Retained earnings to average equity (ytd only) | 0.8181% | 5,470 |
| Net charge-offs to loans | -0.0137% | 6,071 |
| Credit loss provision to net charge-offs | -375.0000% | 6,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7015% | 555 |
| Assets per employee ($millions) | 3.6315% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 2,125 |
| Loan loss allowance to noncurrent loans | 69.3798% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 2.7576% | 1,204 |
| Noncurrent loans to loans | 2.5659% | 1,460 |
| Net loans and leases to total assets | 58.2748% | 3,986 |
| Net loans and leases to deposits | 67.5710% | 4,113 |
| Net loans and leases to core deposits | 70.0273% | 4,285 |
| Total domestic deposits to total assets | 86.2424% | 3,140 |
| Equity capital to assets | 11.8153% | 1,938 |
| Core capital (leverage) ratio | 11.8805% | 1,691 |
| Tier 1 risk-based capital ratio | 18.8941% | 1,958 |
| Total risk-based capital ratio | 20.1485% | 1,917 |
| Memoranda: | ||
| Average total assets | $103,493,000 | 4,663 |
| Average earning assets | $95,320,400 | 4,644 |
| Average equity | $12,346,200 | 4,386 |
| Average total loans | $58,598,200 | 4,661 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7025% | 5,162 |
| Cost of funding earning assets | 0.7628% | 1,525 |
| Net interest margin | 2.9397% | 5,714 |
| Noninterest income to average assets | 0.8979% | 1,762 |
| Noninterest expense to average assets | 3.1734% | 2,441 |
| Loan and lease loss provision to assets | 0.0385% | 4,241 |
| Net operating income to assets | 0.3951% | 5,262 |
| Return on assets (ROA) | 0.4066% | 5,359 |
| Pretax return on assets | 0.4015% | 5,618 |
| Return on Equity (ROE) | 3.4005% | 5,472 |
| Retained earnings to average equity (ytd only) | 3.4005% | 4,268 |
| Net charge-offs to loans | 0.1352% | 3,185 |
| Credit loss provision to net charge-offs | 50.8475% | 3,478 |
| Earnings coverage of net charge-offs (x) | 5.6613% | 3,137 |
| Efficiency ratio | 88.1054% | 1,164 |
| Assets per employee ($millions) | 3.6400% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 2,724 |
| Loan loss allowance to noncurrent loans | 56.0378% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 3.3203% | 1,061 |
| Noncurrent loans to loans | 2.9814% | 1,357 |
| Net loans and leases to total assets | 58.1495% | 3,988 |
| Net loans and leases to deposits | 67.8015% | 4,086 |
| Net loans and leases to core deposits | 70.2678% | 4,297 |
| Total domestic deposits to total assets | 85.7643% | 3,371 |
| Equity capital to assets | 12.2047% | 1,780 |
| Core capital (leverage) ratio | 12.1327% | 1,597 |
| Tier 1 risk-based capital ratio | 19.2020% | 1,927 |
| Total risk-based capital ratio | 20.4561% | 1,889 |
| Memoranda: | ||
| Average total assets | $103,945,750 | 4,693 |
| Average earning assets | $95,609,750 | 4,676 |
| Average equity | $12,429,250 | 4,411 |
| Average total loans | $58,165,500 | 4,718 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 5,361 |
| Cost of funding earning assets | 0.7725% | 1,567 |
| Net interest margin | 2.8532% | 5,887 |
| Noninterest income to average assets | 0.9100% | 1,787 |
| Noninterest expense to average assets | 3.0185% | 2,940 |
| Loan and lease loss provision to assets | 0.0573% | 3,856 |
| Net operating income to assets | 0.4331% | 5,094 |
| Return on assets (ROA) | 0.4492% | 5,186 |
| Pretax return on assets | 0.4779% | 5,444 |
| Return on Equity (ROE) | 3.7824% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.7824% | 3,893 |
| Net charge-offs to loans | 0.0244% | 4,357 |
| Credit loss provision to net charge-offs | 428.5714% | 625 |
| Earnings coverage of net charge-offs (x) | 38.7143% | 951 |
| Efficiency ratio | 85.3514% | 1,477 |
| Assets per employee ($millions) | 3.6738% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7624% | 2,555 |
| Loan loss allowance to noncurrent loans | 42.8225% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 3.9216% | 899 |
| Noncurrent loans to loans | 4.1155% | 927 |
| Net loans and leases to total assets | 57.3863% | 4,079 |
| Net loans and leases to deposits | 66.5806% | 4,199 |
| Net loans and leases to core deposits | 68.7662% | 4,424 |
| Total domestic deposits to total assets | 86.1908% | 3,268 |
| Equity capital to assets | 11.8552% | 2,003 |
| Core capital (leverage) ratio | 11.8168% | 1,714 |
| Tier 1 risk-based capital ratio | 19.1900% | 1,941 |
| Total risk-based capital ratio | 20.4455% | 1,908 |
| Memoranda: | ||
| Average total assets | $104,621,000 | 4,712 |
| Average earning assets | $96,313,330 | 4,693 |
| Average equity | $12,426,000 | 4,437 |
| Average total loans | $57,463,000 | 4,767 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7384% | 5,028 |
| Cost of funding earning assets | 0.7658% | 1,740 |
| Net interest margin | 2.9726% | 5,644 |
| Noninterest income to average assets | 0.9858% | 1,503 |
| Noninterest expense to average assets | 2.9119% | 3,301 |
| Loan and lease loss provision to assets | 0.1137% | 2,810 |
| Net operating income to assets | 0.6717% | 3,835 |
| Return on assets (ROA) | 0.6863% | 3,904 |
| Pretax return on assets | 0.7128% | 4,517 |
| Return on Equity (ROE) | 5.7728% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.7728% | 2,800 |
| Net charge-offs to loans | 0.0427% | 3,433 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 35.6667% | 865 |
| Efficiency ratio | 78.2077% | 2,577 |
| Assets per employee ($millions) | 3.7615% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 2,424 |
| Loan loss allowance to noncurrent loans | 34.3264% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 4.3818% | 856 |
| Noncurrent loans to loans | 5.4144% | 674 |
| Net loans and leases to total assets | 53.1446% | 4,538 |
| Net loans and leases to deposits | 63.1707% | 4,397 |
| Net loans and leases to core deposits | 65.8762% | 4,550 |
| Total domestic deposits to total assets | 84.1287% | 4,420 |
| Equity capital to assets | 11.9842% | 2,058 |
| Core capital (leverage) ratio | 11.6498% | 1,784 |
| Tier 1 risk-based capital ratio | 19.6126% | 1,878 |
| Total risk-based capital ratio | 20.8684% | 1,853 |
| Memoranda: | ||
| Average total assets | $105,498,500 | 4,732 |
| Average earning assets | $97,154,500 | 4,710 |
| Average equity | $12,541,500 | 4,465 |
| Average total loans | $56,149,500 | 4,852 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 5,226 |
| Cost of funding earning assets | 0.8776% | 2,081 |
| Net interest margin | 3.1472% | 5,700 |
| Noninterest income to average assets | 1.4334% | 763 |
| Noninterest expense to average assets | 3.8737% | 1,128 |
| Loan and lease loss provision to assets | 0.4265% | 1,492 |
| Net operating income to assets | -0.0728% | 6,260 |
| Return on assets (ROA) | 0.0603% | 6,220 |
| Pretax return on assets | 0.0770% | 6,187 |
| Return on Equity (ROE) | 0.5202% | 6,216 |
| Retained earnings to average equity (ytd only) | 0.5202% | 5,589 |
| Net charge-offs to loans | 1.1433% | 907 |
| Credit loss provision to net charge-offs | 74.0741% | 4,039 |
| Earnings coverage of net charge-offs (x) | 0.5781% | 5,199 |
| Efficiency ratio | 92.0873% | 911 |
| Assets per employee ($millions) | 4.0644% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8746% | 2,369 |
| Loan loss allowance to noncurrent loans | 28.6504% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 5.0286% | 769 |
| Noncurrent loans to loans | 6.5429% | 509 |
| Net loans and leases to total assets | 51.3177% | 4,994 |
| Net loans and leases to deposits | 60.8526% | 4,930 |
| Net loans and leases to core deposits | 62.7067% | 5,089 |
| Total domestic deposits to total assets | 84.3312% | 4,168 |
| Equity capital to assets | 11.7918% | 2,192 |
| Core capital (leverage) ratio | 11.3213% | 1,999 |
| Tier 1 risk-based capital ratio | 19.6657% | 1,770 |
| Total risk-based capital ratio | 20.9210% | 1,738 |
| Memoranda: | ||
| Average total assets | $107,855,800 | 4,641 |
| Average earning assets | $95,036,000 | 4,722 |
| Average equity | $12,494,200 | 4,462 |
| Average total loans | $54,316,000 | 4,924 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 5,024 |
| Cost of funding earning assets | 0.9087% | 2,114 |
| Net interest margin | 3.2356% | 5,598 |
| Noninterest income to average assets | 0.9791% | 1,564 |
| Noninterest expense to average assets | 3.5522% | 1,651 |
| Loan and lease loss provision to assets | 0.3333% | 1,964 |
| Net operating income to assets | -0.0668% | 6,363 |
| Return on assets (ROA) | 0.0886% | 6,288 |
| Pretax return on assets | 0.1156% | 6,249 |
| Return on Equity (ROE) | 0.7678% | 6,289 |
| Retained earnings to average equity (ytd only) | 0.7678% | 5,847 |
| Net charge-offs to loans | 0.9468% | 1,139 |
| Credit loss provision to net charge-offs | 70.5729% | 3,886 |
| Earnings coverage of net charge-offs (x) | 0.5234% | 5,058 |
| Efficiency ratio | 93.4930% | 809 |
| Assets per employee ($millions) | 3.8330% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0573% | 2,017 |
| Loan loss allowance to noncurrent loans | 27.4918% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 6.1907% | 635 |
| Noncurrent loans to loans | 7.4834% | 452 |
| Net loans and leases to total assets | 48.0848% | 5,533 |
| Net loans and leases to deposits | 57.2059% | 5,509 |
| Net loans and leases to core deposits | 59.2668% | 5,630 |
| Total domestic deposits to total assets | 84.0556% | 4,187 |
| Equity capital to assets | 11.7803% | 2,450 |
| Core capital (leverage) ratio | 11.2195% | 2,199 |
| Tier 1 risk-based capital ratio | 19.1055% | 1,980 |
| Total risk-based capital ratio | 20.3604% | 1,949 |
| Memoranda: | ||
| Average total assets | $108,401,000 | 4,678 |
| Average earning assets | $94,488,500 | 4,782 |
| Average equity | $12,502,500 | 4,504 |
| Average total loans | $54,078,500 | 4,991 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 4,871 |
| Cost of funding earning assets | 0.9298% | 2,187 |
| Net interest margin | 3.2922% | 5,460 |
| Noninterest income to average assets | 0.9746% | 1,531 |
| Noninterest expense to average assets | 3.6043% | 1,572 |
| Loan and lease loss provision to assets | 0.2170% | 2,904 |
| Net operating income to assets | 0.0278% | 6,287 |
| Return on assets (ROA) | 0.3053% | 5,803 |
| Pretax return on assets | 0.3328% | 5,885 |
| Return on Equity (ROE) | 2.6655% | 5,821 |
| Retained earnings to average equity (ytd only) | 2.6655% | 4,849 |
| Net charge-offs to loans | 0.6931% | 1,597 |
| Credit loss provision to net charge-offs | 62.4339% | 3,740 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 4,693 |
| Efficiency ratio | 93.5561% | 828 |
| Assets per employee ($millions) | 3.7938% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1248% | 1,936 |
| Loan loss allowance to noncurrent loans | 34.6248% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 5.4009% | 836 |
| Noncurrent loans to loans | 6.1365% | 704 |
| Net loans and leases to total assets | 47.1446% | 5,701 |
| Net loans and leases to deposits | 55.7463% | 5,677 |
| Net loans and leases to core deposits | 57.5288% | 5,809 |
| Total domestic deposits to total assets | 84.5699% | 4,065 |
| Equity capital to assets | 11.4226% | 2,670 |
| Core capital (leverage) ratio | 11.3316% | 2,022 |
| Tier 1 risk-based capital ratio | 19.1713% | 1,919 |
| Total risk-based capital ratio | 20.4272% | 1,893 |
| Memoranda: | ||
| Average total assets | $108,760,330 | 4,699 |
| Average earning assets | $95,074,330 | 4,789 |
| Average equity | $12,455,670 | 4,514 |
| Average total loans | $54,541,330 | 5,008 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 4,816 |
| Cost of funding earning assets | 0.9712% | 2,150 |
| Net interest margin | 3.3081% | 5,444 |
| Noninterest income to average assets | 0.8360% | 2,011 |
| Noninterest expense to average assets | 3.6807% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0148% | 6,391 |
| Return on assets (ROA) | 0.0148% | 6,499 |
| Pretax return on assets | 0.0407% | 6,466 |
| Return on Equity (ROE) | 0.1290% | 6,499 |
| Retained earnings to average equity (ytd only) | 0.1290% | 5,935 |
| Net charge-offs to loans | 0.3109% | 2,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.2558% | 4,237 |
| Efficiency ratio | 98.9066% | 595 |
| Assets per employee ($millions) | 3.5901% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1481% | 1,992 |
| Loan loss allowance to noncurrent loans | 34.4272% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 5.9488% | 796 |
| Noncurrent loans to loans | 6.2394% | 783 |
| Net loans and leases to total assets | 48.8097% | 5,451 |
| Net loans and leases to deposits | 57.8839% | 5,387 |
| Net loans and leases to core deposits | 59.7429% | 5,556 |
| Total domestic deposits to total assets | 84.3234% | 4,357 |
| Equity capital to assets | 11.5337% | 2,410 |
| Core capital (leverage) ratio | 11.2051% | 2,106 |
| Tier 1 risk-based capital ratio | 18.2586% | 2,215 |
| Total risk-based capital ratio | 19.5146% | 2,186 |
| Memoranda: | ||
| Average total assets | $108,131,000 | 4,751 |
| Average earning assets | $94,314,000 | 4,846 |
| Average equity | $12,400,000 | 4,528 |
| Average total loans | $55,315,000 | 5,005 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9056% | 3,324 |
| Cost of funding earning assets | 1.2685% | 1,641 |
| Net interest margin | 3.6371% | 4,580 |
| Noninterest income to average assets | 1.0470% | 1,227 |
| Noninterest expense to average assets | 3.9520% | 1,110 |
| Loan and lease loss provision to assets | 0.7796% | 1,277 |
| Net operating income to assets | -0.4074% | 6,421 |
| Return on assets (ROA) | -0.1674% | 6,297 |
| Pretax return on assets | -0.1944% | 6,282 |
| Return on Equity (ROE) | -1.4728% | 6,293 |
| Retained earnings to average equity (ytd only) | -1.9479% | 6,149 |
| Net charge-offs to loans | 1.6774% | 916 |
| Credit loss provision to net charge-offs | 82.4762% | 4,346 |
| Earnings coverage of net charge-offs (x) | 0.3238% | 5,582 |
| Efficiency ratio | 92.8118% | 994 |
| Assets per employee ($millions) | 3.5019% | 5,010 |
| Cash dividends to net income (ytd only)* | -32.2581% | 7,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1034% | 1,998 |
| Loan loss allowance to noncurrent loans | 52.6849% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 4.7384% | 1,149 |
| Noncurrent loans to loans | 3.9925% | 1,564 |
| Net loans and leases to total assets | 51.3172% | 5,420 |
| Net loans and leases to deposits | 60.7458% | 5,401 |
| Net loans and leases to core deposits | 62.8710% | 5,559 |
| Total domestic deposits to total assets | 84.4786% | 4,106 |
| Equity capital to assets | 11.4020% | 2,598 |
| Core capital (leverage) ratio | 11.0271% | 2,252 |
| Tier 1 risk-based capital ratio | 17.2452% | 2,490 |
| Total risk-based capital ratio | 18.5004% | 2,458 |
| Memoranda: | ||
| Average total assets | $111,082,600 | 4,615 |
| Average earning assets | $98,071,800 | 4,682 |
| Average equity | $12,628,800 | 4,413 |
| Average total loans | $62,597,000 | 4,771 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9311% | 3,421 |
| Cost of funding earning assets | 1.4177% | 1,159 |
| Net interest margin | 3.5134% | 5,132 |
| Noninterest income to average assets | 1.0921% | 1,121 |
| Noninterest expense to average assets | 3.5650% | 1,785 |
| Loan and lease loss provision to assets | 1.0025% | 856 |
| Net operating income to assets | -0.2929% | 6,478 |
| Return on assets (ROA) | -0.0561% | 6,325 |
| Pretax return on assets | 0.0119% | 6,216 |
| Return on Equity (ROE) | -0.4938% | 6,316 |
| Retained earnings to average equity (ytd only) | -1.1241% | 6,174 |
| Net charge-offs to loans | 0.4832% | 2,804 |
| Credit loss provision to net charge-offs | 362.0690% | 783 |
| Earnings coverage of net charge-offs (x) | 2.3275% | 3,961 |
| Efficiency ratio | 84.6895% | 1,669 |
| Assets per employee ($millions) | 3.5355% | 4,911 |
| Cash dividends to net income (ytd only)* | -127.6528% | 7,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1961% | 725 |
| Loan loss allowance to noncurrent loans | 33.8842% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 7.2729% | 659 |
| Noncurrent loans to loans | 9.4324% | 394 |
| Net loans and leases to total assets | 54.9667% | 5,001 |
| Net loans and leases to deposits | 65.3863% | 4,995 |
| Net loans and leases to core deposits | 67.4606% | 5,245 |
| Total domestic deposits to total assets | 84.0646% | 4,197 |
| Equity capital to assets | 11.5220% | 2,659 |
| Core capital (leverage) ratio | 11.0364% | 2,358 |
| Tier 1 risk-based capital ratio | 16.8534% | 2,689 |
| Total risk-based capital ratio | 18.1212% | 2,662 |
| Memoranda: | ||
| Average total assets | $111,713,250 | 4,627 |
| Average earning assets | $99,123,500 | 4,691 |
| Average equity | $12,691,500 | 4,407 |
| Average total loans | $64,019,500 | 4,751 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9982% | 3,168 |
| Cost of funding earning assets | 1.4406% | 1,228 |
| Net interest margin | 3.5576% | 4,893 |
| Noninterest income to average assets | 1.0443% | 1,206 |
| Noninterest expense to average assets | 3.2112% | 2,861 |
| Loan and lease loss provision to assets | 0.3665% | 2,599 |
| Net operating income to assets | 0.5743% | 4,188 |
| Return on assets (ROA) | 0.6031% | 4,189 |
| Pretax return on assets | 0.6707% | 4,495 |
| Return on Equity (ROE) | 5.3333% | 4,292 |
| Retained earnings to average equity (ytd only) | 4.3893% | 3,400 |
| Net charge-offs to loans | 0.1393% | 4,359 |
| Credit loss provision to net charge-offs | 457.7778% | 669 |
| Earnings coverage of net charge-offs (x) | 12.5556% | 1,619 |
| Efficiency ratio | 76.1603% | 2,985 |
| Assets per employee ($millions) | 3.6431% | 4,582 |
| Cash dividends to net income (ytd only)* | 17.6991% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4542% | 1,518 |
| Loan loss allowance to noncurrent loans | 24.3410% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 6.8569% | 759 |
| Noncurrent loans to loans | 10.0828% | 378 |
| Net loans and leases to total assets | 54.2674% | 5,255 |
| Net loans and leases to deposits | 66.5465% | 4,916 |
| Net loans and leases to core deposits | 68.6577% | 5,224 |
| Total domestic deposits to total assets | 81.5481% | 5,335 |
| Equity capital to assets | 11.6605% | 2,357 |
| Core capital (leverage) ratio | 11.1606% | 2,138 |
| Tier 1 risk-based capital ratio | 16.9799% | 2,530 |
| Total risk-based capital ratio | 18.2398% | 2,498 |
| Memoranda: | ||
| Average total assets | $112,418,000 | 4,645 |
| Average earning assets | $100,236,670 | 4,705 |
| Average equity | $12,712,670 | 4,401 |
| Average total loans | $64,615,330 | 4,766 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 2,493 |
| Cost of funding earning assets | 1.5034% | 1,150 |
| Net interest margin | 3.6322% | 4,414 |
| Noninterest income to average assets | 0.8809% | 1,727 |
| Noninterest expense to average assets | 3.2989% | 2,560 |
| Loan and lease loss provision to assets | 0.5813% | 1,487 |
| Net operating income to assets | 0.1605% | 5,912 |
| Return on assets (ROA) | 0.1605% | 5,964 |
| Pretax return on assets | 0.2318% | 5,861 |
| Return on Equity (ROE) | 1.4418% | 6,003 |
| Retained earnings to average equity (ytd only) | -0.4806% | 5,883 |
| Net charge-offs to loans | 0.0427% | 4,516 |
| Credit loss provision to net charge-offs | 2,328.5714% | 169 |
| Earnings coverage of net charge-offs (x) | 32.5714% | 788 |
| Efficiency ratio | 80.2255% | 2,488 |
| Assets per employee ($millions) | 3.6432% | 4,668 |
| Cash dividends to net income (ytd only)* | 133.3333% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3614% | 1,660 |
| Loan loss allowance to noncurrent loans | 42.6050% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 4.5617% | 1,413 |
| Noncurrent loans to loans | 5.5424% | 1,175 |
| Net loans and leases to total assets | 55.6853% | 5,048 |
| Net loans and leases to deposits | 67.8216% | 4,701 |
| Net loans and leases to core deposits | 70.3329% | 5,004 |
| Total domestic deposits to total assets | 82.1055% | 5,270 |
| Equity capital to assets | 11.0404% | 2,646 |
| Core capital (leverage) ratio | 10.9636% | 2,223 |
| Tier 1 risk-based capital ratio | 16.2953% | 2,765 |
| Total risk-based capital ratio | 17.5544% | 2,721 |
| Memoranda: | ||
| Average total assets | $112,158,500 | 4,682 |
| Average earning assets | $99,774,000 | 4,746 |
| Average equity | $12,484,500 | 4,451 |
| Average total loans | $65,508,000 | 4,788 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7169% | 1,509 |
| Cost of funding earning assets | 1.8406% | 1,023 |
| Net interest margin | 3.8763% | 3,605 |
| Noninterest income to average assets | 1.0383% | 1,390 |
| Noninterest expense to average assets | 3.1590% | 3,241 |
| Loan and lease loss provision to assets | 1.0224% | 1,583 |
| Net operating income to assets | 0.2779% | 5,009 |
| Return on assets (ROA) | 0.3243% | 5,011 |
| Pretax return on assets | 0.3278% | 5,156 |
| Return on Equity (ROE) | 2.8960% | 4,992 |
| Retained earnings to average equity (ytd only) | 1.0022% | 5,040 |
| Net charge-offs to loans | 1.4136% | 1,576 |
| Credit loss provision to net charge-offs | 115.1244% | 3,763 |
| Earnings coverage of net charge-offs (x) | 1.4677% | 4,656 |
| Efficiency ratio | 70.7921% | 4,021 |
| Assets per employee ($millions) | 3.5928% | 4,721 |
| Cash dividends to net income (ytd only)* | 65.3951% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0494% | 2,177 |
| Loan loss allowance to noncurrent loans | 45.6980% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 4.9930% | 1,281 |
| Noncurrent loans to loans | 4.4847% | 1,579 |
| Net loans and leases to total assets | 58.5749% | 4,943 |
| Net loans and leases to deposits | 71.6432% | 4,577 |
| Net loans and leases to core deposits | 74.1344% | 4,963 |
| Total domestic deposits to total assets | 81.7593% | 5,260 |
| Equity capital to assets | 11.2231% | 2,475 |
| Core capital (leverage) ratio | 10.7817% | 2,319 |
| Tier 1 risk-based capital ratio | 15.9525% | 2,778 |
| Total risk-based capital ratio | 17.2095% | 2,725 |
| Memoranda: | ||
| Average total assets | $113,169,600 | 4,632 |
| Average earning assets | $99,966,000 | 4,729 |
| Average equity | $12,672,600 | 4,441 |
| Average total loans | $71,093,600 | 4,639 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7896% | 1,426 |
| Cost of funding earning assets | 1.8944% | 1,044 |
| Net interest margin | 3.8951% | 3,552 |
| Noninterest income to average assets | 1.0597% | 1,277 |
| Noninterest expense to average assets | 2.9408% | 3,943 |
| Loan and lease loss provision to assets | 1.0679% | 1,374 |
| Net operating income to assets | 0.4334% | 4,613 |
| Return on assets (ROA) | 0.4882% | 4,569 |
| Pretax return on assets | 0.5539% | 4,748 |
| Return on Equity (ROE) | 4.3619% | 4,611 |
| Retained earnings to average equity (ytd only) | 2.4746% | 4,691 |
| Net charge-offs to loans | 1.5933% | 1,237 |
| Credit loss provision to net charge-offs | 105.4461% | 4,062 |
| Earnings coverage of net charge-offs (x) | 1.5400% | 4,571 |
| Efficiency ratio | 65.3455% | 4,990 |
| Assets per employee ($millions) | 3.6645% | 4,576 |
| Cash dividends to net income (ytd only)* | 43.2687% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7578% | 2,944 |
| Loan loss allowance to noncurrent loans | 44.6018% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 5.4216% | 1,151 |
| Noncurrent loans to loans | 3.9411% | 1,916 |
| Net loans and leases to total assets | 61.9898% | 4,532 |
| Net loans and leases to deposits | 78.6642% | 3,696 |
| Net loans and leases to core deposits | 81.4313% | 4,327 |
| Total domestic deposits to total assets | 78.8030% | 6,065 |
| Equity capital to assets | 11.5237% | 2,515 |
| Core capital (leverage) ratio | 10.9548% | 2,291 |
| Tier 1 risk-based capital ratio | 15.2107% | 3,149 |
| Total risk-based capital ratio | 16.4648% | 3,115 |
| Memoranda: | ||
| Average total assets | $113,617,750 | 4,686 |
| Average earning assets | $100,361,750 | 4,770 |
| Average equity | $12,715,750 | 4,496 |
| Average total loans | $72,216,000 | 4,675 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7998% | 1,429 |
| Cost of funding earning assets | 1.9372% | 1,084 |
| Net interest margin | 3.8626% | 3,623 |
| Noninterest income to average assets | 1.0473% | 1,228 |
| Noninterest expense to average assets | 2.7706% | 4,619 |
| Loan and lease loss provision to assets | 1.1389% | 1,263 |
| Net operating income to assets | 0.5022% | 4,319 |
| Return on assets (ROA) | 0.5861% | 4,073 |
| Pretax return on assets | 0.6530% | 4,387 |
| Return on Equity (ROE) | 5.2896% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.3835% | 3,956 |
| Net charge-offs to loans | 2.0333% | 895 |
| Credit loss provision to net charge-offs | 87.9076% | 4,483 |
| Earnings coverage of net charge-offs (x) | 1.3111% | 4,517 |
| Efficiency ratio | 61.9929% | 5,691 |
| Assets per employee ($millions) | 3.6410% | 4,608 |
| Cash dividends to net income (ytd only)* | 36.0360% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 3,426 |
| Loan loss allowance to noncurrent loans | 35.6260% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 6.0219% | 975 |
| Noncurrent loans to loans | 4.5032% | 1,614 |
| Net loans and leases to total assets | 61.0759% | 4,864 |
| Net loans and leases to deposits | 77.4669% | 4,085 |
| Net loans and leases to core deposits | 80.2087% | 4,672 |
| Total domestic deposits to total assets | 78.8413% | 6,078 |
| Equity capital to assets | 11.5548% | 2,397 |
| Core capital (leverage) ratio | 10.9410% | 2,280 |
| Tier 1 risk-based capital ratio | 15.2557% | 3,034 |
| Total risk-based capital ratio | 16.5073% | 2,988 |
| Memoranda: | ||
| Average total assets | $113,623,330 | 4,716 |
| Average earning assets | $100,658,670 | 4,788 |
| Average equity | $12,590,670 | 4,528 |
| Average total loans | $72,394,330 | 4,697 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8098% | 1,423 |
| Cost of funding earning assets | 1.9405% | 1,286 |
| Net interest margin | 3.8693% | 3,462 |
| Noninterest income to average assets | 0.2386% | 6,245 |
| Noninterest expense to average assets | 2.6176% | 5,277 |
| Loan and lease loss provision to assets | 1.3719% | 873 |
| Net operating income to assets | -0.3474% | 6,708 |
| Return on assets (ROA) | -0.1614% | 6,571 |
| Pretax return on assets | -0.0947% | 6,461 |
| Return on Equity (ROE) | -1.4881% | 6,576 |
| Retained earnings to average equity (ytd only) | -3.4290% | 6,415 |
| Net charge-offs to loans | 0.6308% | 2,243 |
| Credit loss provision to net charge-offs | 337.0690% | 1,188 |
| Earnings coverage of net charge-offs (x) | 2.6810% | 3,198 |
| Efficiency ratio | 70.5771% | 4,197 |
| Assets per employee ($millions) | 3.6628% | 4,669 |
| Cash dividends to net income (ytd only)* | -130.4348% | 7,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0345% | 2,093 |
| Loan loss allowance to noncurrent loans | 21.5683% | 6,932 |
| Noncurrent assets plus other real estate owned to assets | 6.6872% | 832 |
| Noncurrent loans to loans | 9.4327% | 475 |
| Net loans and leases to total assets | 63.1031% | 4,513 |
| Net loans and leases to deposits | 79.3135% | 3,779 |
| Net loans and leases to core deposits | 82.1328% | 4,469 |
| Total domestic deposits to total assets | 79.5616% | 5,924 |
| Equity capital to assets | 10.8370% | 2,919 |
| Core capital (leverage) ratio | 10.5934% | 2,543 |
| Tier 1 risk-based capital ratio | 14.8818% | 3,161 |
| Total risk-based capital ratio | 16.1386% | 3,125 |
| Memoranda: | ||
| Average total assets | $113,999,500 | 4,767 |
| Average earning assets | $102,241,000 | 4,807 |
| Average equity | $12,365,000 | 4,623 |
| Average total loans | $73,561,000 | 4,733 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1639% | 1,336 |
| Cost of funding earning assets | 2.4285% | 1,218 |
| Net interest margin | 3.7354% | 3,974 |
| Noninterest income to average assets | 1.0938% | 1,285 |
| Noninterest expense to average assets | 3.0555% | 3,922 |
| Loan and lease loss provision to assets | 0.7900% | 2,762 |
| Net operating income to assets | 0.6191% | 3,259 |
| Return on assets (ROA) | 0.5624% | 3,557 |
| Pretax return on assets | 0.5482% | 4,054 |
| Return on Equity (ROE) | 5.0720% | 3,637 |
| Retained earnings to average equity (ytd only) | 1.7173% | 3,879 |
| Net charge-offs to loans | 0.8117% | 2,798 |
| Credit loss provision to net charge-offs | 138.9408% | 3,525 |
| Earnings coverage of net charge-offs (x) | 2.4533% | 3,895 |
| Efficiency ratio | 68.6567% | 4,892 |
| Assets per employee ($millions) | 3.6920% | 4,537 |
| Cash dividends to net income (ytd only)* | 66.1417% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 3,125 |
| Loan loss allowance to noncurrent loans | 51.5293% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 3.3778% | 2,011 |
| Noncurrent loans to loans | 3.1818% | 2,403 |
| Net loans and leases to total assets | 63.5807% | 4,682 |
| Net loans and leases to deposits | 79.8766% | 4,021 |
| Net loans and leases to core deposits | 104.4630% | 3,517 |
| Total domestic deposits to total assets | 79.5986% | 5,817 |
| Equity capital to assets | 10.8560% | 2,813 |
| Core capital (leverage) ratio | 10.5847% | 2,522 |
| Tier 1 risk-based capital ratio | 14.5993% | 3,154 |
| Total risk-based capital ratio | 15.8519% | 3,104 |
| Memoranda: | ||
| Average total assets | $112,912,200 | 4,760 |
| Average earning assets | $101,462,200 | 4,800 |
| Average equity | $12,519,600 | 4,626 |
| Average total loans | $79,088,800 | 4,546 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1881% | 1,404 |
| Cost of funding earning assets | 2.5021% | 1,293 |
| Net interest margin | 3.6860% | 4,132 |
| Noninterest income to average assets | 1.1126% | 1,274 |
| Noninterest expense to average assets | 3.0096% | 4,007 |
| Loan and lease loss provision to assets | 0.3649% | 4,132 |
| Net operating income to assets | 1.0226% | 1,981 |
| Return on assets (ROA) | 0.9491% | 2,296 |
| Pretax return on assets | 0.9787% | 2,967 |
| Return on Equity (ROE) | 8.5143% | 2,442 |
| Retained earnings to average equity (ytd only) | 4.6877% | 2,660 |
| Net charge-offs to loans | 0.2588% | 4,432 |
| Credit loss provision to net charge-offs | 197.4359% | 2,273 |
| Earnings coverage of net charge-offs (x) | 7.6796% | 2,371 |
| Efficiency ratio | 67.9508% | 4,989 |
| Assets per employee ($millions) | 3.6658% | 4,504 |
| Cash dividends to net income (ytd only)* | 44.9441% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 3,970 |
| Loan loss allowance to noncurrent loans | 36.2838% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 3.2840% | 2,059 |
| Noncurrent loans to loans | 3.8479% | 1,929 |
| Net loans and leases to total assets | 69.2937% | 3,656 |
| Net loans and leases to deposits | 87.8038% | 3,006 |
| Net loans and leases to core deposits | 114.0106% | 2,827 |
| Total domestic deposits to total assets | 78.9187% | 5,830 |
| Equity capital to assets | 11.2679% | 2,776 |
| Core capital (leverage) ratio | 11.0037% | 2,401 |
| Tier 1 risk-based capital ratio | 14.1633% | 3,464 |
| Total risk-based capital ratio | 15.4244% | 3,402 |
| Memoranda: | ||
| Average total assets | $112,527,000 | 4,790 |
| Average earning assets | $101,245,250 | 4,840 |
| Average equity | $12,543,250 | 4,653 |
| Average total loans | $80,365,250 | 4,541 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2408% | 1,356 |
| Cost of funding earning assets | 2.6091% | 1,260 |
| Net interest margin | 3.6317% | 4,240 |
| Noninterest income to average assets | 1.1555% | 1,167 |
| Noninterest expense to average assets | 2.9067% | 4,478 |
| Loan and lease loss provision to assets | 0.2158% | 4,885 |
| Net operating income to assets | 1.2826% | 1,268 |
| Return on assets (ROA) | 1.1555% | 1,678 |
| Pretax return on assets | 1.1662% | 2,407 |
| Return on Equity (ROE) | 10.4046% | 1,885 |
| Retained earnings to average equity (ytd only) | 6.5511% | 1,771 |
| Net charge-offs to loans | 0.0720% | 5,496 |
| Credit loss provision to net charge-offs | 417.2414% | 1,109 |
| Earnings coverage of net charge-offs (x) | 29.2069% | 1,018 |
| Efficiency ratio | 65.8054% | 5,578 |
| Assets per employee ($millions) | 3.4757% | 4,877 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 4,201 |
| Loan loss allowance to noncurrent loans | 43.5950% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 2.8259% | 2,272 |
| Noncurrent loans to loans | 3.0084% | 2,400 |
| Net loans and leases to total assets | 71.3764% | 3,387 |
| Net loans and leases to deposits | 90.6151% | 2,731 |
| Net loans and leases to core deposits | 114.1750% | 2,889 |
| Total domestic deposits to total assets | 78.7688% | 5,871 |
| Equity capital to assets | 11.2989% | 2,683 |
| Core capital (leverage) ratio | 10.9278% | 2,458 |
| Tier 1 risk-based capital ratio | 14.1061% | 3,452 |
| Total risk-based capital ratio | 15.3096% | 3,424 |
| Memoranda: | ||
| Average total assets | $112,155,670 | 4,822 |
| Average earning assets | $100,724,330 | 4,875 |
| Average equity | $12,456,000 | 4,690 |
| Average total loans | $80,533,330 | 4,569 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1238% | 1,851 |
| Cost of funding earning assets | 2.7191% | 1,213 |
| Net interest margin | 3.4048% | 5,121 |
| Noninterest income to average assets | 1.1863% | 1,030 |
| Noninterest expense to average assets | 2.9195% | 4,088 |
| Loan and lease loss provision to assets | 0.1279% | 5,323 |
| Net operating income to assets | 1.2324% | 1,554 |
| Return on assets (ROA) | 1.2324% | 1,665 |
| Pretax return on assets | 1.1898% | 2,663 |
| Return on Equity (ROE) | 11.1931% | 1,915 |
| Retained earnings to average equity (ytd only) | 7.3223% | 2,089 |
| Net charge-offs to loans | 0.1440% | 3,812 |
| Credit loss provision to net charge-offs | 124.1379% | 3,198 |
| Earnings coverage of net charge-offs (x) | 12.7931% | 1,772 |
| Efficiency ratio | 68.9019% | 4,793 |
| Assets per employee ($millions) | 3.5621% | 4,666 |
| Cash dividends to net income (ytd only)* | 34.5821% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 4,777 |
| Loan loss allowance to noncurrent loans | 199.1786% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 1.3177% | 4,034 |
| Noncurrent loans to loans | 0.6044% | 5,886 |
| Net loans and leases to total assets | 69.8381% | 3,708 |
| Net loans and leases to deposits | 88.1662% | 3,262 |
| Net loans and leases to core deposits | 111.9208% | 3,225 |
| Total domestic deposits to total assets | 79.2118% | 5,638 |
| Equity capital to assets | 10.9941% | 2,965 |
| Core capital (leverage) ratio | 10.8320% | 2,635 |
| Tier 1 risk-based capital ratio | 13.7049% | 3,740 |
| Total risk-based capital ratio | 14.7958% | 3,762 |
| Memoranda: | ||
| Average total assets | $112,622,000 | 4,831 |
| Average earning assets | $100,917,500 | 4,890 |
| Average equity | $12,400,500 | 4,726 |
| Average total loans | $80,579,000 | 4,596 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9681% | 1,210 |
| Cost of funding earning assets | 3.4887% | 536 |
| Net interest margin | 3.4794% | 5,362 |
| Noninterest income to average assets | 1.2466% | 955 |
| Noninterest expense to average assets | 3.4196% | 2,611 |
| Loan and lease loss provision to assets | 0.2163% | 4,721 |
| Net operating income to assets | 0.6816% | 3,977 |
| Return on assets (ROA) | 0.6860% | 3,791 |
| Pretax return on assets | 0.7277% | 4,307 |
| Return on Equity (ROE) | 6.1723% | 3,874 |
| Retained earnings to average equity (ytd only) | 2.3637% | 3,730 |
| Net charge-offs to loans | 0.0588% | 5,938 |
| Credit loss provision to net charge-offs | 517.7778% | 846 |
| Earnings coverage of net charge-offs (x) | 22.4889% | 1,471 |
| Efficiency ratio | 78.4497% | 2,843 |
| Assets per employee ($millions) | 3.4768% | 4,731 |
| Cash dividends to net income (ytd only)* | 61.7050% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 4,572 |
| Loan loss allowance to noncurrent loans | 163.2203% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.1999% | 3,847 |
| Noncurrent loans to loans | 0.7322% | 5,198 |
| Net loans and leases to total assets | 71.5629% | 3,677 |
| Net loans and leases to deposits | 90.7204% | 3,332 |
| Net loans and leases to core deposits | 115.5492% | 3,171 |
| Total domestic deposits to total assets | 78.8829% | 5,414 |
| Equity capital to assets | 11.0277% | 3,021 |
| Core capital (leverage) ratio | 10.8966% | 2,673 |
| Tier 1 risk-based capital ratio | 13.6364% | 3,732 |
| Total risk-based capital ratio | 14.7345% | 3,728 |
| Memoranda: | ||
| Average total assets | $107,731,200 | 4,838 |
| Average earning assets | $96,367,200 | 4,906 |
| Average equity | $11,972,800 | 4,832 |
| Average total loans | $76,577,600 | 4,630 |