Home > La Salle State Bank > Performance and Condition Ratios
La Salle State 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 | 3.7589% | 4,220 |
| Cost of funding earning assets | 1.1149% | 3,027 |
| Net interest margin | 2.6441% | 3,908 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.5009% | 2,295 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.2143% | 4,151 |
| Return on assets (ROA) | 0.2143% | 4,163 |
| Pretax return on assets | 0.2143% | 4,186 |
| Return on Equity (ROE) | 6.2900% | 3,463 |
| Retained earnings to average equity (ytd only) | 1.0259% | 3,832 |
| Net charge-offs to loans | -0.0025% | 3,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 91.6287% | 368 |
| Assets per employee ($millions) | 6.2295% | 2,606 |
| Cash dividends to net income (ytd only)* | 83.7017% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 849 |
| Loan loss allowance to noncurrent loans | 415.9722% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 2,393 |
| Noncurrent loans to loans | 0.3831% | 1,840 |
| Net loans and leases to total assets | 43.9800% | 3,901 |
| Net loans and leases to deposits | 53.6581% | 3,812 |
| Net loans and leases to core deposits | 70.2164% | 3,294 |
| Total domestic deposits to total assets | 81.9600% | 3,134 |
| Equity capital to assets | 4.1523% | 4,491 |
| Core capital (leverage) ratio | 9.8731% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9998% | 792 |
| Memoranda: | ||
| Average total assets | $168,937,400 | 3,198 |
| Average earning assets | $161,456,000 | 3,157 |
| Average equity | $5,751,200 | 4,187 |
| Average total loans | $78,538,200 | 3,429 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6962% | 4,213 |
| Cost of funding earning assets | 0.9826% | 3,081 |
| Net interest margin | 2.7136% | 3,865 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.4857% | 2,278 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4998% | 3,768 |
| Return on assets (ROA) | 0.4998% | 3,767 |
| Pretax return on assets | 0.4998% | 3,906 |
| Return on Equity (ROE) | 15.5300% | 1,337 |
| Retained earnings to average equity (ytd only) | 9.3329% | 1,598 |
| Net charge-offs to loans | -0.0067% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.8647% | 678 |
| Assets per employee ($millions) | 6.0676% | 2,693 |
| Cash dividends to net income (ytd only)* | 39.9054% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,180 |
| Loan loss allowance to noncurrent loans | 375.4717% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 2,343 |
| Noncurrent loans to loans | 0.3927% | 1,849 |
| Net loans and leases to total assets | 46.9600% | 3,788 |
| Net loans and leases to deposits | 63.5852% | 3,290 |
| Net loans and leases to core deposits | 70.8598% | 3,169 |
| Total domestic deposits to total assets | 73.8500% | 4,171 |
| Equity capital to assets | 2.4751% | 4,520 |
| Core capital (leverage) ratio | 10.0985% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1929% | 920 |
| Memoranda: | ||
| Average total assets | $169,122,750 | 3,205 |
| Average earning assets | $161,749,500 | 3,169 |
| Average equity | $5,443,000 | 4,227 |
| Average total loans | $79,380,000 | 3,424 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6480% | 4,200 |
| Cost of funding earning assets | 0.9163% | 2,873 |
| Net interest margin | 2.7316% | 3,934 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.5061% | 2,189 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.5211% | 3,765 |
| Return on assets (ROA) | 0.5211% | 3,773 |
| Pretax return on assets | 0.5211% | 3,929 |
| Return on Equity (ROE) | 15.0300% | 1,464 |
| Retained earnings to average equity (ytd only) | 8.4363% | 1,835 |
| Net charge-offs to loans | -0.0025% | 3,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.3988% | 687 |
| Assets per employee ($millions) | 5.7516% | 2,923 |
| Cash dividends to net income (ytd only)* | 43.8636% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 1,172 |
| Loan loss allowance to noncurrent loans | 327.3481% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 2,106 |
| Noncurrent loans to loans | 0.4591% | 1,565 |
| Net loans and leases to total assets | 46.5700% | 3,765 |
| Net loans and leases to deposits | 61.1064% | 3,359 |
| Net loans and leases to core deposits | 66.9803% | 3,289 |
| Total domestic deposits to total assets | 76.2100% | 4,025 |
| Equity capital to assets | 3.4581% | 4,549 |
| Core capital (leverage) ratio | 9.8363% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1229% | 939 |
| Memoranda: | ||
| Average total assets | $168,865,667 | 3,218 |
| Average earning assets | $161,076,667 | 3,183 |
| Average equity | $5,855,667 | 4,206 |
| Average total loans | $78,848,333 | 3,433 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5351% | 4,228 |
| Cost of funding earning assets | 0.8295% | 2,604 |
| Net interest margin | 2.7056% | 4,066 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.5591% | 2,081 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.4285% | 4,041 |
| Return on assets (ROA) | 0.4285% | 3,989 |
| Pretax return on assets | 0.4285% | 4,088 |
| Return on Equity (ROE) | 12.3400% | 2,134 |
| Retained earnings to average equity (ytd only) | 7.4583% | 2,373 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.2549% | 535 |
| Assets per employee ($millions) | 5.8818% | 2,864 |
| Cash dividends to net income (ytd only)* | 39.5604% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 1,345 |
| Loan loss allowance to noncurrent loans | 74.9364% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 473 |
| Noncurrent loans to loans | 1.9730% | 287 |
| Net loans and leases to total assets | 46.0200% | 3,775 |
| Net loans and leases to deposits | 61.3191% | 3,266 |
| Net loans and leases to core deposits | 64.1383% | 3,336 |
| Total domestic deposits to total assets | 75.0500% | 4,219 |
| Equity capital to assets | 3.6589% | 4,564 |
| Core capital (leverage) ratio | 9.7219% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9223% | 1,001 |
| Memoranda: | ||
| Average total assets | $169,901,000 | 3,263 |
| Average earning assets | $162,032,000 | 3,218 |
| Average equity | $5,899,500 | 4,253 |
| Average total loans | $78,843,500 | 3,469 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2184% | 3,789 |
| Cost of funding earning assets | 0.3775% | 2,281 |
| Net interest margin | 2.8409% | 3,807 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3529% | 2,571 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7394% | 3,511 |
| Return on assets (ROA) | 0.7394% | 3,451 |
| Pretax return on assets | 0.7394% | 3,769 |
| Return on Equity (ROE) | 15.1800% | 1,216 |
| Retained earnings to average equity (ytd only) | 9.5582% | 1,298 |
| Net charge-offs to loans | -0.0027% | 3,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.2624% | 1,095 |
| Assets per employee ($millions) | 5.8355% | 2,916 |
| Cash dividends to net income (ytd only)* | 37.0314% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 1,190 |
| Loan loss allowance to noncurrent loans | 2,604.4444% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,555 |
| Noncurrent loans to loans | 0.0577% | 3,345 |
| Net loans and leases to total assets | 45.4100% | 3,824 |
| Net loans and leases to deposits | 60.2704% | 3,315 |
| Net loans and leases to core deposits | 62.3130% | 3,373 |
| Total domestic deposits to total assets | 75.3400% | 4,293 |
| Equity capital to assets | 3.2843% | 4,583 |
| Core capital (leverage) ratio | 9.5140% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9085% | 990 |
| Memoranda: | ||
| Average total assets | $176,763,200 | 3,221 |
| Average earning assets | $167,938,000 | 3,179 |
| Average equity | $8,610,400 | 4,036 |
| Average total loans | $75,305,400 | 3,485 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1399% | 3,581 |
| Cost of funding earning assets | 0.3128% | 2,033 |
| Net interest margin | 2.8271% | 3,672 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.2024% | 2,929 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8725% | 2,995 |
| Return on assets (ROA) | 0.8725% | 2,961 |
| Pretax return on assets | 0.8725% | 3,410 |
| Return on Equity (ROE) | 16.6300% | 868 |
| Retained earnings to average equity (ytd only) | 10.3694% | 1,237 |
| Net charge-offs to loans | -0.0036% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.8523% | 1,660 |
| Assets per employee ($millions) | 6.2995% | 2,490 |
| Cash dividends to net income (ytd only)* | 37.6390% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 1,369 |
| Loan loss allowance to noncurrent loans | 2,690.6977% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,701 |
| Noncurrent loans to loans | 0.0549% | 3,486 |
| Net loans and leases to total assets | 43.7900% | 3,886 |
| Net loans and leases to deposits | 58.0104% | 3,341 |
| Net loans and leases to core deposits | 59.8619% | 3,396 |
| Total domestic deposits to total assets | 75.4800% | 4,388 |
| Equity capital to assets | 2.7871% | 4,609 |
| Core capital (leverage) ratio | 9.1981% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7172% | 1,043 |
| Memoranda: | ||
| Average total assets | $178,646,500 | 3,221 |
| Average earning assets | $169,639,500 | 3,177 |
| Average equity | $9,373,500 | 3,994 |
| Average total loans | $74,628,750 | 3,507 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0698% | 3,377 |
| Cost of funding earning assets | 0.3094% | 1,633 |
| Net interest margin | 2.7603% | 3,552 |
| Noninterest income to average assets | 0.4158% | 2,657 |
| Noninterest expense to average assets | 2.1650% | 2,957 |
| Loan and lease loss provision to assets | 0.0334% | 1,986 |
| Net operating income to assets | 0.8328% | 2,842 |
| Return on assets (ROA) | 0.8328% | 2,819 |
| Pretax return on assets | 0.8328% | 3,246 |
| Return on Equity (ROE) | 13.7578% | 1,176 |
| Retained earnings to average equity (ytd only) | 8.1589% | 1,562 |
| Net charge-offs to loans | -0.0055% | 3,370 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4233% | 1,783 |
| Assets per employee ($millions) | 6.2232% | 2,548 |
| Cash dividends to net income (ytd only)* | 40.6961% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 1,081 |
| Loan loss allowance to noncurrent loans | 3,002.6316% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 3,786 |
| Noncurrent loans to loans | 0.0544% | 3,540 |
| Net loans and leases to total assets | 39.4418% | 4,101 |
| Net loans and leases to deposits | 50.3790% | 3,793 |
| Net loans and leases to core deposits | 51.9369% | 3,824 |
| Total domestic deposits to total assets | 78.2903% | 4,337 |
| Equity capital to assets | 3.5392% | 4,663 |
| Core capital (leverage) ratio | 8.9457% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0130% | 853 |
| Memoranda: | ||
| Average total assets | $179,399,667 | 3,252 |
| Average earning assets | $169,979,000 | 3,215 |
| Average equity | $10,859,333 | 3,900 |
| Average total loans | $73,373,333 | 3,565 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1357% | 2,864 |
| Cost of funding earning assets | 0.3047% | 1,613 |
| Net interest margin | 2.8309% | 3,040 |
| Noninterest income to average assets | 0.4176% | 2,571 |
| Noninterest expense to average assets | 2.1168% | 3,090 |
| Loan and lease loss provision to assets | 0.0330% | 1,778 |
| Net operating income to assets | 0.9430% | 2,097 |
| Return on assets (ROA) | 0.9430% | 2,087 |
| Pretax return on assets | 0.9430% | 2,622 |
| Return on Equity (ROE) | 12.9946% | 1,036 |
| Retained earnings to average equity (ytd only) | 8.0572% | 1,567 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4435% | 2,451 |
| Assets per employee ($millions) | 6.7441% | 2,188 |
| Cash dividends to net income (ytd only)* | 37.9953% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 1,378 |
| Loan loss allowance to noncurrent loans | 2,345.8333% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,782 |
| Noncurrent loans to loans | 0.0665% | 3,515 |
| Net loans and leases to total assets | 39.0032% | 4,072 |
| Net loans and leases to deposits | 53.3367% | 3,468 |
| Net loans and leases to core deposits | 55.1427% | 3,515 |
| Total domestic deposits to total assets | 73.1265% | 4,595 |
| Equity capital to assets | 5.9377% | 4,599 |
| Core capital (leverage) ratio | 8.6810% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8819% | 919 |
| Memoranda: | ||
| Average total assets | $181,975,000 | 3,234 |
| Average earning assets | $171,957,500 | 3,214 |
| Average equity | $13,205,500 | 3,739 |
| Average total loans | $75,126,000 | 3,539 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1007% | 3,682 |
| Cost of funding earning assets | 0.3627% | 1,827 |
| Net interest margin | 2.7380% | 3,800 |
| Noninterest income to average assets | 0.5238% | 2,472 |
| Noninterest expense to average assets | 2.2072% | 3,057 |
| Loan and lease loss provision to assets | 0.0316% | 2,419 |
| Net operating income to assets | 0.8644% | 3,150 |
| Return on assets (ROA) | 0.8644% | 3,210 |
| Pretax return on assets | 0.8644% | 3,586 |
| Return on Equity (ROE) | 9.5637% | 2,696 |
| Retained earnings to average equity (ytd only) | 6.3292% | 2,211 |
| Net charge-offs to loans | -0.0415% | 4,237 |
| Credit loss provision to net charge-offs | -177.4194% | 3,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1272% | 1,601 |
| Assets per employee ($millions) | 6.7356% | 2,120 |
| Cash dividends to net income (ytd only)* | 33.8206% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,835 |
| Loan loss allowance to noncurrent loans | 2,312.5000% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,863 |
| Noncurrent loans to loans | 0.0615% | 3,643 |
| Net loans and leases to total assets | 42.3375% | 3,962 |
| Net loans and leases to deposits | 59.1282% | 3,155 |
| Net loans and leases to core deposits | 61.1722% | 3,232 |
| Total domestic deposits to total assets | 71.6029% | 4,650 |
| Equity capital to assets | 8.5775% | 4,000 |
| Core capital (leverage) ratio | 8.4798% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2927% | 989 |
| Memoranda: | ||
| Average total assets | $174,114,000 | 3,260 |
| Average earning assets | $164,027,800 | 3,234 |
| Average equity | $15,736,600 | 3,568 |
| Average total loans | $74,744,200 | 3,569 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1037% | 3,799 |
| Cost of funding earning assets | 0.3749% | 1,898 |
| Net interest margin | 2.7288% | 3,914 |
| Noninterest income to average assets | 0.5281% | 2,509 |
| Noninterest expense to average assets | 2.1837% | 3,123 |
| Loan and lease loss provision to assets | 0.0348% | 2,303 |
| Net operating income to assets | 0.8797% | 3,305 |
| Return on assets (ROA) | 0.8797% | 3,378 |
| Pretax return on assets | 0.8797% | 3,739 |
| Return on Equity (ROE) | 9.6039% | 2,882 |
| Retained earnings to average equity (ytd only) | 5.6812% | 2,964 |
| Net charge-offs to loans | -0.0559% | 4,403 |
| Credit loss provision to net charge-offs | -145.1613% | 3,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4824% | 1,554 |
| Assets per employee ($millions) | 6.5209% | 2,226 |
| Cash dividends to net income (ytd only)* | 40.8451% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 1,564 |
| Loan loss allowance to noncurrent loans | 95.7354% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 1,209 |
| Noncurrent loans to loans | 1.5845% | 648 |
| Net loans and leases to total assets | 39.1135% | 4,249 |
| Net loans and leases to deposits | 56.6619% | 3,520 |
| Net loans and leases to core deposits | 58.6831% | 3,575 |
| Total domestic deposits to total assets | 69.0296% | 4,759 |
| Equity capital to assets | 8.8951% | 3,928 |
| Core capital (leverage) ratio | 8.3990% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4805% | 885 |
| Memoranda: | ||
| Average total assets | $172,177,500 | 3,306 |
| Average earning assets | $162,170,000 | 3,282 |
| Average equity | $15,771,000 | 3,607 |
| Average total loans | $73,904,000 | 3,632 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0988% | 3,869 |
| Cost of funding earning assets | 0.3946% | 1,936 |
| Net interest margin | 2.7042% | 3,974 |
| Noninterest income to average assets | 0.5252% | 2,508 |
| Noninterest expense to average assets | 2.2085% | 3,069 |
| Loan and lease loss provision to assets | 0.0356% | 2,283 |
| Net operating income to assets | 0.8239% | 3,442 |
| Return on assets (ROA) | 0.8239% | 3,510 |
| Pretax return on assets | 0.8239% | 3,814 |
| Return on Equity (ROE) | 8.9021% | 3,129 |
| Retained earnings to average equity (ytd only) | 4.3422% | 3,413 |
| Net charge-offs to loans | -0.0753% | 4,528 |
| Credit loss provision to net charge-offs | -107.1429% | 3,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9861% | 1,437 |
| Assets per employee ($millions) | 5.9977% | 2,611 |
| Cash dividends to net income (ytd only)* | 51.2230% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 1,589 |
| Loan loss allowance to noncurrent loans | 43.8412% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.4189% | 422 |
| Noncurrent loans to loans | 3.4238% | 185 |
| Net loans and leases to total assets | 40.8207% | 4,247 |
| Net loans and leases to deposits | 56.7536% | 3,661 |
| Net loans and leases to core deposits | 59.5616% | 3,655 |
| Total domestic deposits to total assets | 71.9261% | 4,711 |
| Equity capital to assets | 9.0856% | 3,722 |
| Core capital (leverage) ratio | 8.4484% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7281% | 731 |
| Memoranda: | ||
| Average total assets | $168,708,667 | 3,353 |
| Average earning assets | $158,639,667 | 3,321 |
| Average equity | $15,614,333 | 3,622 |
| Average total loans | $74,367,000 | 3,645 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2103% | 3,668 |
| Cost of funding earning assets | 0.4003% | 2,091 |
| Net interest margin | 2.8100% | 3,736 |
| Noninterest income to average assets | 0.5611% | 2,367 |
| Noninterest expense to average assets | 2.2589% | 2,912 |
| Loan and lease loss provision to assets | 0.0361% | 2,297 |
| Net operating income to assets | 0.9199% | 3,080 |
| Return on assets (ROA) | 0.9199% | 3,154 |
| Pretax return on assets | 0.9199% | 3,560 |
| Return on Equity (ROE) | 9.8454% | 2,749 |
| Retained earnings to average equity (ytd only) | 6.5464% | 2,712 |
| Net charge-offs to loans | -0.0265% | 4,117 |
| Credit loss provision to net charge-offs | -300.0000% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2622% | 1,667 |
| Assets per employee ($millions) | 6.0301% | 2,574 |
| Cash dividends to net income (ytd only)* | 33.5079% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 2,245 |
| Loan loss allowance to noncurrent loans | 87.8890% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 1,381 |
| Noncurrent loans to loans | 1.5265% | 815 |
| Net loans and leases to total assets | 43.9431% | 4,114 |
| Net loans and leases to deposits | 61.9253% | 3,322 |
| Net loans and leases to core deposits | 64.7296% | 3,346 |
| Total domestic deposits to total assets | 70.9614% | 4,744 |
| Equity capital to assets | 8.6348% | 4,018 |
| Core capital (leverage) ratio | 8.9527% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3499% | 1,211 |
| Memoranda: | ||
| Average total assets | $166,096,000 | 3,376 |
| Average earning assets | $156,869,500 | 3,343 |
| Average equity | $15,520,000 | 3,633 |
| Average total loans | $75,509,000 | 3,643 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3908% | 4,205 |
| Cost of funding earning assets | 0.5190% | 2,819 |
| Net interest margin | 2.8718% | 4,163 |
| Noninterest income to average assets | 0.7630% | 1,645 |
| Noninterest expense to average assets | 2.5169% | 2,789 |
| Loan and lease loss provision to assets | 0.1302% | 2,734 |
| Net operating income to assets | 0.8026% | 3,080 |
| Return on assets (ROA) | 0.8708% | 2,959 |
| Pretax return on assets | 0.8708% | 3,449 |
| Return on Equity (ROE) | 8.4887% | 2,612 |
| Retained earnings to average equity (ytd only) | 4.2477% | 2,686 |
| Net charge-offs to loans | 0.2620% | 662 |
| Credit loss provision to net charge-offs | 98.4536% | 2,858 |
| Earnings coverage of net charge-offs (x) | 7.0515% | 2,727 |
| Efficiency ratio | 72.9591% | 1,575 |
| Assets per employee ($millions) | 5.2439% | 3,100 |
| Cash dividends to net income (ytd only)* | 49.9608% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 1,971 |
| Loan loss allowance to noncurrent loans | 267.3629% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 3,069 |
| Noncurrent loans to loans | 0.5237% | 2,406 |
| Net loans and leases to total assets | 45.8333% | 4,134 |
| Net loans and leases to deposits | 65.9345% | 3,278 |
| Net loans and leases to core deposits | 69.3341% | 3,302 |
| Total domestic deposits to total assets | 69.5133% | 4,785 |
| Equity capital to assets | 10.1323% | 2,999 |
| Core capital (leverage) ratio | 9.1750% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2136% | 1,017 |
| Memoranda: | ||
| Average total assets | $146,650,000 | 3,438 |
| Average earning assets | $137,196,000 | 3,418 |
| Average equity | $15,043,600 | 3,647 |
| Average total loans | $74,055,000 | 3,657 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4016% | 4,345 |
| Cost of funding earning assets | 0.5367% | 3,011 |
| Net interest margin | 2.8649% | 4,241 |
| Noninterest income to average assets | 0.7899% | 1,534 |
| Noninterest expense to average assets | 2.5039% | 2,828 |
| Loan and lease loss provision to assets | 0.1083% | 2,967 |
| Net operating income to assets | 0.8519% | 2,901 |
| Return on assets (ROA) | 0.9445% | 2,673 |
| Pretax return on assets | 0.9445% | 3,249 |
| Return on Equity (ROE) | 9.1769% | 2,326 |
| Retained earnings to average equity (ytd only) | 3.8327% | 3,123 |
| Net charge-offs to loans | -0.0251% | 4,473 |
| Credit loss provision to net charge-offs | -835.7143% | 3,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2801% | 1,612 |
| Assets per employee ($millions) | 5.1905% | 3,027 |
| Cash dividends to net income (ytd only)* | 58.2353% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,410 |
| Loan loss allowance to noncurrent loans | 299.4832% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2485% | 3,195 |
| Noncurrent loans to loans | 0.4979% | 2,567 |
| Net loans and leases to total assets | 49.1693% | 4,137 |
| Net loans and leases to deposits | 73.6589% | 2,989 |
| Net loans and leases to core deposits | 76.7567% | 3,113 |
| Total domestic deposits to total assets | 66.7527% | 4,835 |
| Equity capital to assets | 10.1114% | 3,136 |
| Core capital (leverage) ratio | 9.4319% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6147% | 1,111 |
| Memoranda: | ||
| Average total assets | $143,983,000 | 3,456 |
| Average earning assets | $134,403,750 | 3,443 |
| Average equity | $14,819,500 | 3,675 |
| Average total loans | $74,286,750 | 3,672 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4928% | 4,419 |
| Cost of funding earning assets | 0.5566% | 3,201 |
| Net interest margin | 2.9362% | 4,250 |
| Noninterest income to average assets | 0.7610% | 1,545 |
| Noninterest expense to average assets | 2.5244% | 2,899 |
| Loan and lease loss provision to assets | 0.0857% | 3,210 |
| Net operating income to assets | 0.9152% | 2,637 |
| Return on assets (ROA) | 1.0595% | 2,241 |
| Pretax return on assets | 1.0595% | 2,838 |
| Return on Equity (ROE) | 10.2267% | 1,914 |
| Retained earnings to average equity (ytd only) | 5.4993% | 2,275 |
| Net charge-offs to loans | -0.0301% | 4,542 |
| Credit loss provision to net charge-offs | -545.4545% | 3,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6079% | 1,747 |
| Assets per employee ($millions) | 4.6434% | 3,604 |
| Cash dividends to net income (ytd only)* | 46.2264% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 1,554 |
| Loan loss allowance to noncurrent loans | 167.1233% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 2,459 |
| Noncurrent loans to loans | 0.8426% | 1,811 |
| Net loans and leases to total assets | 51.7383% | 4,048 |
| Net loans and leases to deposits | 72.7502% | 3,184 |
| Net loans and leases to core deposits | 76.2384% | 3,265 |
| Total domestic deposits to total assets | 71.1178% | 4,748 |
| Equity capital to assets | 10.4852% | 2,753 |
| Core capital (leverage) ratio | 9.7958% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4868% | 1,136 |
| Memoranda: | ||
| Average total assets | $140,072,333 | 3,482 |
| Average earning assets | $131,870,667 | 3,452 |
| Average equity | $14,511,000 | 3,706 |
| Average total loans | $73,141,333 | 3,693 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5257% | 4,608 |
| Cost of funding earning assets | 0.5855% | 3,509 |
| Net interest margin | 2.9402% | 4,368 |
| Noninterest income to average assets | 0.6568% | 1,815 |
| Noninterest expense to average assets | 2.5476% | 3,140 |
| Loan and lease loss provision to assets | 0.0884% | 2,581 |
| Net operating income to assets | 0.7864% | 2,949 |
| Return on assets (ROA) | 1.0838% | 1,996 |
| Pretax return on assets | 1.0838% | 2,579 |
| Return on Equity (ROE) | 10.5320% | 1,558 |
| Retained earnings to average equity (ytd only) | 3.4916% | 2,892 |
| Net charge-offs to loans | -0.0283% | 4,450 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4406% | 1,758 |
| Assets per employee ($millions) | 4.2412% | 3,607 |
| Cash dividends to net income (ytd only)* | 66.8478% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 1,179 |
| Loan loss allowance to noncurrent loans | 93.9046% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 1,431 |
| Noncurrent loans to loans | 1.6548% | 931 |
| Net loans and leases to total assets | 49.6194% | 4,260 |
| Net loans and leases to deposits | 68.7805% | 3,678 |
| Net loans and leases to core deposits | 71.9515% | 3,766 |
| Total domestic deposits to total assets | 72.1417% | 4,762 |
| Equity capital to assets | 10.2366% | 3,570 |
| Core capital (leverage) ratio | 10.3778% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9397% | 994 |
| Memoranda: | ||
| Average total assets | $135,813,500 | 3,503 |
| Average earning assets | $127,746,000 | 3,476 |
| Average equity | $13,976,500 | 3,772 |
| Average total loans | $70,724,000 | 3,750 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7329% | 4,644 |
| Cost of funding earning assets | 0.6108% | 3,595 |
| Net interest margin | 3.1221% | 4,334 |
| Noninterest income to average assets | 0.6816% | 1,880 |
| Noninterest expense to average assets | 2.6752% | 2,956 |
| Loan and lease loss provision to assets | 0.0651% | 2,725 |
| Net operating income to assets | 0.8970% | 3,217 |
| Return on assets (ROA) | 0.9505% | 3,102 |
| Pretax return on assets | 0.9505% | 3,603 |
| Return on Equity (ROE) | 10.1413% | 2,233 |
| Retained earnings to average equity (ytd only) | 6.4472% | 1,639 |
| Net charge-offs to loans | 0.0055% | 3,480 |
| Credit loss provision to net charge-offs | 2,250.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 332.7500% | 261 |
| Efficiency ratio | 73.5493% | 1,662 |
| Assets per employee ($millions) | 4.2471% | 3,583 |
| Cash dividends to net income (ytd only)* | 36.4259% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 1,504 |
| Loan loss allowance to noncurrent loans | 479.9065% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 3,852 |
| Noncurrent loans to loans | 0.2930% | 3,379 |
| Net loans and leases to total assets | 52.9881% | 4,147 |
| Net loans and leases to deposits | 73.5064% | 3,392 |
| Net loans and leases to core deposits | 75.9532% | 3,578 |
| Total domestic deposits to total assets | 72.0863% | 4,865 |
| Equity capital to assets | 10.3452% | 3,590 |
| Core capital (leverage) ratio | 10.0424% | 3,470 |
| Tier 1 risk-based capital ratio | 17.3263% | 1,955 |
| Total risk-based capital ratio | 18.5788% | 1,901 |
| Memoranda: | ||
| Average total assets | $138,342,600 | 3,460 |
| Average earning assets | $130,971,000 | 3,407 |
| Average equity | $12,966,800 | 3,889 |
| Average total loans | $73,143,400 | 3,714 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7250% | 4,753 |
| Cost of funding earning assets | 0.5996% | 3,704 |
| Net interest margin | 3.1254% | 4,434 |
| Noninterest income to average assets | 0.6880% | 1,835 |
| Noninterest expense to average assets | 2.6723% | 2,936 |
| Loan and lease loss provision to assets | 0.0652% | 2,588 |
| Net operating income to assets | 0.9116% | 3,308 |
| Return on assets (ROA) | 0.9826% | 3,122 |
| Pretax return on assets | 0.9826% | 3,646 |
| Return on Equity (ROE) | 10.7559% | 2,117 |
| Retained earnings to average equity (ytd only) | 5.7246% | 2,492 |
| Net charge-offs to loans | 0.0164% | 2,820 |
| Credit loss provision to net charge-offs | 755.5556% | 451 |
| Earnings coverage of net charge-offs (x) | 113.1083% | 682 |
| Efficiency ratio | 73.2317% | 1,668 |
| Assets per employee ($millions) | 4.5513% | 3,117 |
| Cash dividends to net income (ytd only)* | 46.7773% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 1,913 |
| Loan loss allowance to noncurrent loans | 316.7722% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 3,684 |
| Noncurrent loans to loans | 0.4144% | 3,062 |
| Net loans and leases to total assets | 53.3316% | 4,230 |
| Net loans and leases to deposits | 77.3092% | 3,169 |
| Net loans and leases to core deposits | 79.6741% | 3,415 |
| Total domestic deposits to total assets | 68.9848% | 5,031 |
| Equity capital to assets | 9.7704% | 4,237 |
| Core capital (leverage) ratio | 9.9308% | 3,703 |
| Tier 1 risk-based capital ratio | 16.2359% | 2,355 |
| Total risk-based capital ratio | 17.4298% | 2,301 |
| Memoranda: | ||
| Average total assets | $138,951,250 | 3,484 |
| Average earning assets | $131,649,500 | 3,432 |
| Average equity | $12,693,500 | 3,953 |
| Average total loans | $73,168,750 | 3,757 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 4,794 |
| Cost of funding earning assets | 0.5910% | 3,698 |
| Net interest margin | 3.1411% | 4,467 |
| Noninterest income to average assets | 0.6583% | 1,880 |
| Noninterest expense to average assets | 2.6722% | 3,000 |
| Loan and lease loss provision to assets | 0.0651% | 2,516 |
| Net operating income to assets | 0.8970% | 3,295 |
| Return on assets (ROA) | 0.8970% | 3,362 |
| Pretax return on assets | 0.8970% | 3,854 |
| Return on Equity (ROE) | 10.0570% | 2,358 |
| Retained earnings to average equity (ytd only) | 3.8930% | 3,299 |
| Net charge-offs to loans | -0.0055% | 4,153 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5271% | 1,697 |
| Assets per employee ($millions) | 3.9654% | 3,914 |
| Cash dividends to net income (ytd only)* | 61.2903% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 1,625 |
| Loan loss allowance to noncurrent loans | 255.1546% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 3,402 |
| Noncurrent loans to loans | 0.5477% | 2,626 |
| Net loans and leases to total assets | 51.8098% | 4,362 |
| Net loans and leases to deposits | 74.3257% | 3,495 |
| Net loans and leases to core deposits | 76.0062% | 3,729 |
| Total domestic deposits to total assets | 69.7064% | 5,056 |
| Equity capital to assets | 9.9122% | 4,048 |
| Core capital (leverage) ratio | 9.7723% | 3,853 |
| Tier 1 risk-based capital ratio | 16.4884% | 2,238 |
| Total risk-based capital ratio | 17.7151% | 2,195 |
| Memoranda: | ||
| Average total assets | $138,238,670 | 3,512 |
| Average earning assets | $130,971,330 | 3,461 |
| Average equity | $12,329,670 | 4,001 |
| Average total loans | $72,143,000 | 3,798 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6505% | 4,908 |
| Cost of funding earning assets | 0.5974% | 3,591 |
| Net interest margin | 3.0531% | 4,661 |
| Noninterest income to average assets | 0.6374% | 1,875 |
| Noninterest expense to average assets | 2.5581% | 3,347 |
| Loan and lease loss provision to assets | 0.0657% | 2,350 |
| Net operating income to assets | 0.9061% | 3,212 |
| Return on assets (ROA) | 0.9032% | 3,270 |
| Pretax return on assets | 0.9032% | 3,758 |
| Return on Equity (ROE) | 10.7005% | 2,084 |
| Retained earnings to average equity (ytd only) | 4.2328% | 3,226 |
| Net charge-offs to loans | 0.0055% | 2,509 |
| Credit loss provision to net charge-offs | 2,300.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 340.0000% | 235 |
| Efficiency ratio | 72.4696% | 1,965 |
| Assets per employee ($millions) | 4.2924% | 3,494 |
| Cash dividends to net income (ytd only)* | 60.4430% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 1,932 |
| Loan loss allowance to noncurrent loans | 303.7855% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 3,697 |
| Noncurrent loans to loans | 0.4402% | 3,003 |
| Net loans and leases to total assets | 51.7236% | 4,358 |
| Net loans and leases to deposits | 75.0143% | 3,351 |
| Net loans and leases to core deposits | 76.4791% | 3,630 |
| Total domestic deposits to total assets | 68.9517% | 5,144 |
| Equity capital to assets | 8.8958% | 4,753 |
| Core capital (leverage) ratio | 9.3885% | 4,273 |
| Tier 1 risk-based capital ratio | 16.3265% | 2,327 |
| Total risk-based capital ratio | 17.5183% | 2,293 |
| Memoranda: | ||
| Average total assets | $139,946,000 | 3,533 |
| Average earning assets | $132,585,000 | 3,475 |
| Average equity | $11,812,500 | 4,082 |
| Average total loans | $72,793,500 | 3,822 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5659% | 4,839 |
| Cost of funding earning assets | 0.5183% | 3,235 |
| Net interest margin | 3.0476% | 4,736 |
| Noninterest income to average assets | 0.6587% | 2,016 |
| Noninterest expense to average assets | 2.5231% | 3,543 |
| Loan and lease loss provision to assets | 0.0983% | 2,211 |
| Net operating income to assets | 0.9276% | 3,336 |
| Return on assets (ROA) | 0.9410% | 3,271 |
| Pretax return on assets | 0.9410% | 3,784 |
| Return on Equity (ROE) | 12.3010% | 1,612 |
| Retained earnings to average equity (ytd only) | 7.7019% | 1,375 |
| Net charge-offs to loans | 0.1089% | 1,656 |
| Credit loss provision to net charge-offs | 184.2105% | 1,538 |
| Earnings coverage of net charge-offs (x) | 19.2237% | 2,080 |
| Efficiency ratio | 71.0922% | 2,035 |
| Assets per employee ($millions) | 4.4542% | 3,236 |
| Cash dividends to net income (ytd only)* | 37.3881% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,142 |
| Loan loss allowance to noncurrent loans | 290.7407% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 3,693 |
| Noncurrent loans to loans | 0.4403% | 2,964 |
| Net loans and leases to total assets | 50.9601% | 4,457 |
| Net loans and leases to deposits | 74.2548% | 3,482 |
| Net loans and leases to core deposits | 80.7354% | 3,376 |
| Total domestic deposits to total assets | 68.6288% | 5,197 |
| Equity capital to assets | 8.0022% | 5,163 |
| Core capital (leverage) ratio | 8.9411% | 4,702 |
| Tier 1 risk-based capital ratio | 15.8752% | 2,460 |
| Total risk-based capital ratio | 17.0196% | 2,426 |
| Memoranda: | ||
| Average total assets | $142,404,600 | 3,469 |
| Average earning assets | $135,056,000 | 3,424 |
| Average equity | $10,893,400 | 4,174 |
| Average total loans | $69,791,800 | 3,871 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4900% | 4,937 |
| Cost of funding earning assets | 0.4996% | 3,203 |
| Net interest margin | 2.9905% | 4,862 |
| Noninterest income to average assets | 0.6658% | 1,998 |
| Noninterest expense to average assets | 2.5164% | 3,539 |
| Loan and lease loss provision to assets | 0.0637% | 2,701 |
| Net operating income to assets | 0.9224% | 3,419 |
| Return on assets (ROA) | 0.9421% | 3,346 |
| Pretax return on assets | 0.9421% | 3,893 |
| Return on Equity (ROE) | 12.4595% | 1,617 |
| Retained earnings to average equity (ytd only) | 6.8119% | 2,227 |
| Net charge-offs to loans | 0.1569% | 1,056 |
| Credit loss provision to net charge-offs | 83.9506% | 2,486 |
| Earnings coverage of net charge-offs (x) | 12.9996% | 2,406 |
| Efficiency ratio | 71.8449% | 1,907 |
| Assets per employee ($millions) | 4.6534% | 2,909 |
| Cash dividends to net income (ytd only)* | 45.3277% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,556 |
| Loan loss allowance to noncurrent loans | 202.5761% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 3,542 |
| Noncurrent loans to loans | 0.5986% | 2,585 |
| Net loans and leases to total assets | 47.3269% | 4,746 |
| Net loans and leases to deposits | 68.4466% | 4,030 |
| Net loans and leases to core deposits | 74.0903% | 3,943 |
| Total domestic deposits to total assets | 69.1442% | 5,253 |
| Equity capital to assets | 6.9714% | 5,389 |
| Core capital (leverage) ratio | 8.9836% | 4,724 |
| Tier 1 risk-based capital ratio | 15.8222% | 2,517 |
| Total risk-based capital ratio | 16.8933% | 2,525 |
| Memoranda: | ||
| Average total assets | $142,372,000 | 3,509 |
| Average earning assets | $135,047,750 | 3,461 |
| Average equity | $10,765,250 | 4,233 |
| Average total loans | $68,845,250 | 3,934 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 4,889 |
| Cost of funding earning assets | 0.4693% | 3,230 |
| Net interest margin | 3.0550% | 4,803 |
| Noninterest income to average assets | 0.6691% | 2,011 |
| Noninterest expense to average assets | 2.5907% | 3,356 |
| Loan and lease loss provision to assets | 0.0642% | 2,618 |
| Net operating income to assets | 0.9116% | 3,411 |
| Return on assets (ROA) | 0.9416% | 3,276 |
| Pretax return on assets | 0.9416% | 3,839 |
| Return on Equity (ROE) | 12.1175% | 1,680 |
| Retained earnings to average equity (ytd only) | 5.7099% | 2,720 |
| Net charge-offs to loans | 0.2411% | 656 |
| Credit loss provision to net charge-offs | 54.8780% | 2,463 |
| Earnings coverage of net charge-offs (x) | 8.3415% | 2,486 |
| Efficiency ratio | 72.6400% | 1,896 |
| Assets per employee ($millions) | 4.1345% | 3,672 |
| Cash dividends to net income (ytd only)* | 52.8788% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 2,778 |
| Loan loss allowance to noncurrent loans | 184.0263% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 3,457 |
| Noncurrent loans to loans | 0.6473% | 2,497 |
| Net loans and leases to total assets | 49.6283% | 4,628 |
| Net loans and leases to deposits | 66.4856% | 4,143 |
| Net loans and leases to core deposits | 71.8505% | 4,020 |
| Total domestic deposits to total assets | 74.6452% | 4,986 |
| Equity capital to assets | 7.4289% | 5,393 |
| Core capital (leverage) ratio | 8.9661% | 4,719 |
| Tier 1 risk-based capital ratio | 15.8718% | 2,481 |
| Total risk-based capital ratio | 16.9363% | 2,499 |
| Memoranda: | ||
| Average total assets | $140,193,000 | 3,571 |
| Average earning assets | $132,961,000 | 3,516 |
| Average equity | $10,893,330 | 4,245 |
| Average total loans | $68,014,000 | 3,972 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4503% | 4,954 |
| Cost of funding earning assets | 0.4550% | 3,172 |
| Net interest margin | 2.9952% | 4,889 |
| Noninterest income to average assets | 0.6343% | 2,109 |
| Noninterest expense to average assets | 2.5942% | 3,349 |
| Loan and lease loss provision to assets | 0.0657% | 2,459 |
| Net operating income to assets | 0.8143% | 3,651 |
| Return on assets (ROA) | 0.8714% | 3,427 |
| Pretax return on assets | 0.8714% | 3,941 |
| Return on Equity (ROE) | 10.9727% | 1,986 |
| Retained earnings to average equity (ytd only) | 2.9141% | 4,030 |
| Net charge-offs to loans | 0.5576% | 268 |
| Credit loss provision to net charge-offs | 24.7312% | 2,094 |
| Earnings coverage of net charge-offs (x) | 3.3118% | 2,398 |
| Efficiency ratio | 74.6711% | 1,801 |
| Assets per employee ($millions) | 4.4423% | 3,260 |
| Cash dividends to net income (ytd only)* | 73.4426% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,617 |
| Loan loss allowance to noncurrent loans | 542.2819% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 4,149 |
| Noncurrent loans to loans | 0.2273% | 3,956 |
| Net loans and leases to total assets | 45.5526% | 4,816 |
| Net loans and leases to deposits | 60.7431% | 4,420 |
| Net loans and leases to core deposits | 66.2364% | 4,293 |
| Total domestic deposits to total assets | 74.9923% | 5,067 |
| Equity capital to assets | 7.3457% | 5,465 |
| Core capital (leverage) ratio | 8.9008% | 4,802 |
| Tier 1 risk-based capital ratio | 16.0318% | 2,457 |
| Total risk-based capital ratio | 17.0840% | 2,486 |
| Memoranda: | ||
| Average total assets | $140,003,000 | 3,603 |
| Average earning assets | $132,744,000 | 3,554 |
| Average equity | $11,118,500 | 4,263 |
| Average total loans | $66,718,500 | 4,040 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3985% | 4,944 |
| Cost of funding earning assets | 0.4127% | 3,128 |
| Net interest margin | 2.9858% | 4,918 |
| Noninterest income to average assets | 0.6715% | 2,089 |
| Noninterest expense to average assets | 2.5091% | 3,753 |
| Loan and lease loss provision to assets | 0.1725% | 1,269 |
| Net operating income to assets | 0.8088% | 3,121 |
| Return on assets (ROA) | 0.8692% | 2,891 |
| Pretax return on assets | 0.8692% | 4,017 |
| Return on Equity (ROE) | 10.5593% | 1,655 |
| Retained earnings to average equity (ytd only) | 6.2622% | 1,402 |
| Net charge-offs to loans | 0.1591% | 1,531 |
| Credit loss provision to net charge-offs | 237.6238% | 1,166 |
| Earnings coverage of net charge-offs (x) | 13.5149% | 2,390 |
| Efficiency ratio | 71.8847% | 2,242 |
| Assets per employee ($millions) | 4.1774% | 3,695 |
| Cash dividends to net income (ytd only)* | 40.6948% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 2,241 |
| Loan loss allowance to noncurrent loans | 597.9592% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 4,471 |
| Noncurrent loans to loans | 0.2166% | 4,044 |
| Net loans and leases to total assets | 48.5992% | 4,732 |
| Net loans and leases to deposits | 65.1883% | 4,242 |
| Net loans and leases to core deposits | 70.7904% | 4,124 |
| Total domestic deposits to total assets | 74.5521% | 5,130 |
| Equity capital to assets | 8.5562% | 5,080 |
| Core capital (leverage) ratio | 8.7561% | 4,895 |
| Tier 1 risk-based capital ratio | 15.5797% | 2,591 |
| Total risk-based capital ratio | 16.6996% | 2,580 |
| Memoranda: | ||
| Average total assets | $139,091,800 | 3,623 |
| Average earning assets | $131,321,800 | 3,573 |
| Average equity | $11,449,600 | 4,230 |
| Average total loans | $63,499,400 | 4,113 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3444% | 5,045 |
| Cost of funding earning assets | 0.4015% | 3,177 |
| Net interest margin | 2.9430% | 5,031 |
| Noninterest income to average assets | 0.6781% | 2,095 |
| Noninterest expense to average assets | 2.5537% | 3,554 |
| Loan and lease loss provision to assets | 0.0650% | 2,775 |
| Net operating income to assets | 0.8359% | 3,352 |
| Return on assets (ROA) | 0.9096% | 3,039 |
| Pretax return on assets | 0.9096% | 4,009 |
| Return on Equity (ROE) | 11.1585% | 1,625 |
| Retained earnings to average equity (ytd only) | 5.9019% | 2,307 |
| Net charge-offs to loans | 0.2179% | 996 |
| Credit loss provision to net charge-offs | 66.6667% | 2,728 |
| Earnings coverage of net charge-offs (x) | 9.2351% | 2,712 |
| Efficiency ratio | 73.9203% | 1,904 |
| Assets per employee ($millions) | 4.5811% | 2,999 |
| Cash dividends to net income (ytd only)* | 47.1084% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,793 |
| Loan loss allowance to noncurrent loans | 490.2778% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 4,606 |
| Noncurrent loans to loans | 0.2142% | 4,208 |
| Net loans and leases to total assets | 46.8419% | 4,890 |
| Net loans and leases to deposits | 64.6278% | 4,344 |
| Net loans and leases to core deposits | 69.5815% | 4,263 |
| Total domestic deposits to total assets | 72.4795% | 5,350 |
| Equity capital to assets | 8.4801% | 5,296 |
| Core capital (leverage) ratio | 8.7969% | 4,973 |
| Tier 1 risk-based capital ratio | 15.7111% | 2,625 |
| Total risk-based capital ratio | 16.6344% | 2,701 |
| Memoranda: | ||
| Average total assets | $139,401,250 | 3,655 |
| Average earning assets | $131,518,250 | 3,610 |
| Average equity | $11,363,250 | 4,284 |
| Average total loans | $62,405,500 | 4,175 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 5,083 |
| Cost of funding earning assets | 0.3965% | 3,113 |
| Net interest margin | 2.9166% | 5,067 |
| Noninterest income to average assets | 0.6771% | 2,091 |
| Noninterest expense to average assets | 2.5482% | 3,586 |
| Loan and lease loss provision to assets | 0.0650% | 2,670 |
| Net operating income to assets | 0.8143% | 3,337 |
| Return on assets (ROA) | 0.9225% | 2,853 |
| Pretax return on assets | 0.9225% | 3,859 |
| Return on Equity (ROE) | 11.4756% | 1,470 |
| Retained earnings to average equity (ytd only) | 5.7647% | 2,252 |
| Net charge-offs to loans | 0.0493% | 2,235 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 40.6000% | 1,237 |
| Efficiency ratio | 74.3471% | 1,950 |
| Assets per employee ($millions) | 4.1637% | 3,688 |
| Cash dividends to net income (ytd only)* | 49.7653% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 3,005 |
| Loan loss allowance to noncurrent loans | 145.4717% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 3,566 |
| Noncurrent loans to loans | 0.8262% | 2,333 |
| Net loans and leases to total assets | 46.1241% | 4,947 |
| Net loans and leases to deposits | 59.8340% | 4,645 |
| Net loans and leases to core deposits | 64.4658% | 4,573 |
| Total domestic deposits to total assets | 77.0868% | 4,943 |
| Equity capital to assets | 8.7474% | 5,101 |
| Core capital (leverage) ratio | 8.5127% | 5,209 |
| Tier 1 risk-based capital ratio | 15.9243% | 2,533 |
| Total risk-based capital ratio | 16.9618% | 2,553 |
| Memoranda: | ||
| Average total assets | $138,530,330 | 3,690 |
| Average earning assets | $130,629,330 | 3,635 |
| Average equity | $11,136,670 | 4,342 |
| Average total loans | $60,798,000 | 4,247 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2307% | 5,197 |
| Cost of funding earning assets | 0.3752% | 3,252 |
| Net interest margin | 2.8554% | 5,157 |
| Noninterest income to average assets | 0.6672% | 2,108 |
| Noninterest expense to average assets | 2.5163% | 3,760 |
| Loan and lease loss provision to assets | 0.0661% | 2,478 |
| Net operating income to assets | 0.7764% | 3,332 |
| Return on assets (ROA) | 0.7764% | 3,390 |
| Pretax return on assets | 0.7764% | 4,199 |
| Return on Equity (ROE) | 10.0977% | 1,928 |
| Retained earnings to average equity (ytd only) | 2.6927% | 4,060 |
| Net charge-offs to loans | 0.0203% | 2,373 |
| Credit loss provision to net charge-offs | 766.6667% | 412 |
| Earnings coverage of net charge-offs (x) | 97.6667% | 546 |
| Efficiency ratio | 74.9144% | 2,081 |
| Assets per employee ($millions) | 4.6165% | 2,982 |
| Cash dividends to net income (ytd only)* | 73.3333% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,978 |
| Loan loss allowance to noncurrent loans | 188.5856% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 4,083 |
| Noncurrent loans to loans | 0.6490% | 2,880 |
| Net loans and leases to total assets | 42.8562% | 5,116 |
| Net loans and leases to deposits | 56.0284% | 4,812 |
| Net loans and leases to core deposits | 64.2301% | 4,522 |
| Total domestic deposits to total assets | 76.4903% | 5,175 |
| Equity capital to assets | 7.5794% | 5,663 |
| Core capital (leverage) ratio | 8.4120% | 5,290 |
| Tier 1 risk-based capital ratio | 15.4742% | 2,766 |
| Total risk-based capital ratio | 16.4894% | 2,796 |
| Memoranda: | ||
| Average total assets | $139,095,000 | 3,709 |
| Average earning assets | $131,119,000 | 3,664 |
| Average equity | $10,695,500 | 4,435 |
| Average total loans | $59,124,000 | 4,321 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2640% | 5,216 |
| Cost of funding earning assets | 0.3542% | 3,471 |
| Net interest margin | 2.9098% | 5,125 |
| Noninterest income to average assets | 0.7258% | 2,051 |
| Noninterest expense to average assets | 2.5967% | 3,682 |
| Loan and lease loss provision to assets | 0.0425% | 3,532 |
| Net operating income to assets | 0.8208% | 3,207 |
| Return on assets (ROA) | 0.8795% | 3,047 |
| Pretax return on assets | 0.8795% | 3,916 |
| Return on Equity (ROE) | 9.6325% | 2,136 |
| Retained earnings to average equity (ytd only) | 6.0636% | 1,675 |
| Net charge-offs to loans | 0.1122% | 2,142 |
| Credit loss provision to net charge-offs | 88.7097% | 2,821 |
| Earnings coverage of net charge-offs (x) | 18.0323% | 1,998 |
| Efficiency ratio | 75.0502% | 2,134 |
| Assets per employee ($millions) | 4.3574% | 3,351 |
| Cash dividends to net income (ytd only)* | 37.0500% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,445 |
| Loan loss allowance to noncurrent loans | 154.8117% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 3,868 |
| Noncurrent loans to loans | 0.8512% | 2,402 |
| Net loans and leases to total assets | 41.0249% | 5,276 |
| Net loans and leases to deposits | 57.2911% | 4,839 |
| Net loans and leases to core deposits | 58.4298% | 4,938 |
| Total domestic deposits to total assets | 71.6077% | 5,587 |
| Equity capital to assets | 7.8058% | 5,635 |
| Core capital (leverage) ratio | 8.5144% | 5,245 |
| Tier 1 risk-based capital ratio | 16.8785% | 2,195 |
| Total risk-based capital ratio | 17.9636% | 2,203 |
| Memoranda: | ||
| Average total assets | $129,512,000 | 3,837 |
| Average earning assets | $121,693,000 | 3,796 |
| Average equity | $11,824,600 | 4,274 |
| Average total loans | $55,271,000 | 4,426 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2515% | 5,275 |
| Cost of funding earning assets | 0.3506% | 3,531 |
| Net interest margin | 2.9010% | 5,187 |
| Noninterest income to average assets | 0.7233% | 2,066 |
| Noninterest expense to average assets | 2.6183% | 3,602 |
| Loan and lease loss provision to assets | 0.0156% | 3,931 |
| Net operating income to assets | 0.8107% | 3,321 |
| Return on assets (ROA) | 0.8898% | 3,094 |
| Pretax return on assets | 0.8898% | 4,016 |
| Return on Equity (ROE) | 9.3865% | 2,310 |
| Retained earnings to average equity (ytd only) | 5.2477% | 2,669 |
| Net charge-offs to loans | 0.1405% | 1,588 |
| Credit loss provision to net charge-offs | 25.8621% | 3,255 |
| Earnings coverage of net charge-offs (x) | 13.6899% | 2,291 |
| Efficiency ratio | 76.0121% | 1,973 |
| Assets per employee ($millions) | 4.5785% | 2,958 |
| Cash dividends to net income (ytd only)* | 44.0933% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 3,103 |
| Loan loss allowance to noncurrent loans | 167.0616% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 4,179 |
| Noncurrent loans to loans | 0.7323% | 2,839 |
| Net loans and leases to total assets | 41.4393% | 5,318 |
| Net loans and leases to deposits | 60.5869% | 4,712 |
| Net loans and leases to core deposits | 61.8248% | 4,842 |
| Total domestic deposits to total assets | 68.3965% | 5,759 |
| Equity capital to assets | 9.1733% | 5,000 |
| Core capital (leverage) ratio | 8.6692% | 5,188 |
| Tier 1 risk-based capital ratio | 16.1118% | 2,582 |
| Total risk-based capital ratio | 17.1196% | 2,617 |
| Memoranda: | ||
| Average total assets | $128,120,250 | 3,882 |
| Average earning assets | $120,187,250 | 3,846 |
| Average equity | $12,144,750 | 4,265 |
| Average total loans | $55,049,750 | 4,466 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2697% | 5,342 |
| Cost of funding earning assets | 0.3546% | 3,520 |
| Net interest margin | 2.9151% | 5,241 |
| Noninterest income to average assets | 0.6622% | 2,321 |
| Noninterest expense to average assets | 2.6247% | 3,636 |
| Loan and lease loss provision to assets | 0.0240% | 3,650 |
| Net operating income to assets | 0.7613% | 3,498 |
| Return on assets (ROA) | 0.8829% | 3,069 |
| Pretax return on assets | 0.8829% | 4,017 |
| Return on Equity (ROE) | 9.2054% | 2,402 |
| Retained earnings to average equity (ytd only) | 4.4526% | 3,082 |
| Net charge-offs to loans | 0.2177% | 1,073 |
| Credit loss provision to net charge-offs | 25.4237% | 2,892 |
| Earnings coverage of net charge-offs (x) | 8.3220% | 2,526 |
| Efficiency ratio | 76.9700% | 1,935 |
| Assets per employee ($millions) | 4.0300% | 3,848 |
| Cash dividends to net income (ytd only)* | 51.6304% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 3,004 |
| Loan loss allowance to noncurrent loans | 305.6522% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 4,297 |
| Noncurrent loans to loans | 0.4127% | 3,878 |
| Net loans and leases to total assets | 44.0519% | 5,228 |
| Net loans and leases to deposits | 61.2632% | 4,715 |
| Net loans and leases to core deposits | 62.5692% | 4,849 |
| Total domestic deposits to total assets | 71.9059% | 5,674 |
| Equity capital to assets | 10.0392% | 4,176 |
| Core capital (leverage) ratio | 8.7867% | 5,072 |
| Tier 1 risk-based capital ratio | 16.0654% | 2,612 |
| Total risk-based capital ratio | 17.0864% | 2,657 |
| Memoranda: | ||
| Average total assets | $125,042,000 | 3,959 |
| Average earning assets | $117,869,330 | 3,917 |
| Average equity | $11,993,000 | 4,318 |
| Average total loans | $54,191,670 | 4,526 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2708% | 5,377 |
| Cost of funding earning assets | 0.3518% | 3,584 |
| Net interest margin | 2.9190% | 5,288 |
| Noninterest income to average assets | 0.6395% | 2,321 |
| Noninterest expense to average assets | 2.5676% | 3,855 |
| Loan and lease loss provision to assets | 0.0480% | 2,959 |
| Net operating income to assets | 0.7834% | 3,327 |
| Return on assets (ROA) | 0.7834% | 3,435 |
| Pretax return on assets | 0.7834% | 4,257 |
| Return on Equity (ROE) | 8.3628% | 2,731 |
| Retained earnings to average equity (ytd only) | 4.7788% | 3,079 |
| Net charge-offs to loans | 0.1872% | 1,042 |
| Credit loss provision to net charge-offs | 60.0000% | 1,981 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,924 |
| Efficiency ratio | 75.5409% | 2,243 |
| Assets per employee ($millions) | 4.2294% | 3,536 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 2,200 |
| Loan loss allowance to noncurrent loans | 298.3806% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 4,785 |
| Noncurrent loans to loans | 0.4861% | 3,722 |
| Net loans and leases to total assets | 39.4663% | 5,481 |
| Net loans and leases to deposits | 54.8766% | 5,048 |
| Net loans and leases to core deposits | 56.0253% | 5,131 |
| Total domestic deposits to total assets | 71.9182% | 5,778 |
| Equity capital to assets | 9.4717% | 4,689 |
| Core capital (leverage) ratio | 8.8603% | 5,013 |
| Tier 1 risk-based capital ratio | 16.9719% | 2,301 |
| Total risk-based capital ratio | 18.1158% | 2,281 |
| Memoranda: | ||
| Average total assets | $125,098,000 | 3,991 |
| Average earning assets | $118,259,500 | 3,938 |
| Average equity | $11,718,500 | 4,380 |
| Average total loans | $53,419,000 | 4,576 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3529% | 5,251 |
| Cost of funding earning assets | 0.3486% | 3,713 |
| Net interest margin | 3.0043% | 5,127 |
| Noninterest income to average assets | 0.7397% | 2,026 |
| Noninterest expense to average assets | 2.7657% | 3,367 |
| Loan and lease loss provision to assets | 0.1253% | 1,923 |
| Net operating income to assets | 0.7122% | 3,756 |
| Return on assets (ROA) | 0.7357% | 3,737 |
| Pretax return on assets | 0.7357% | 4,419 |
| Return on Equity (ROE) | 8.0096% | 2,951 |
| Retained earnings to average equity (ytd only) | 3.2654% | 3,730 |
| Net charge-offs to loans | 0.1950% | 1,494 |
| Credit loss provision to net charge-offs | 138.3929% | 1,892 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,842 |
| Efficiency ratio | 76.7557% | 2,159 |
| Assets per employee ($millions) | 3.7368% | 4,402 |
| Cash dividends to net income (ytd only)* | 59.2308% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 2,742 |
| Loan loss allowance to noncurrent loans | 186.7500% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 4,290 |
| Noncurrent loans to loans | 0.7140% | 3,043 |
| Net loans and leases to total assets | 44.8274% | 5,235 |
| Net loans and leases to deposits | 62.0885% | 4,629 |
| Net loans and leases to core deposits | 63.4177% | 4,774 |
| Total domestic deposits to total assets | 72.1992% | 5,790 |
| Equity capital to assets | 9.2602% | 4,834 |
| Core capital (leverage) ratio | 8.6532% | 5,273 |
| Tier 1 risk-based capital ratio | 16.5198% | 2,469 |
| Total risk-based capital ratio | 17.6629% | 2,479 |
| Memoranda: | ||
| Average total assets | $123,692,600 | 4,013 |
| Average earning assets | $117,898,600 | 3,929 |
| Average equity | $11,361,400 | 4,413 |
| Average total loans | $57,433,400 | 4,445 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3504% | 5,319 |
| Cost of funding earning assets | 0.3426% | 3,834 |
| Net interest margin | 3.0078% | 5,170 |
| Noninterest income to average assets | 0.7540% | 2,006 |
| Noninterest expense to average assets | 2.7897% | 3,232 |
| Loan and lease loss provision to assets | 0.1131% | 1,999 |
| Net operating income to assets | 0.7163% | 3,841 |
| Return on assets (ROA) | 0.7324% | 3,861 |
| Pretax return on assets | 0.7324% | 4,560 |
| Return on Equity (ROE) | 7.9901% | 3,070 |
| Retained earnings to average equity (ytd only) | 2.8318% | 4,422 |
| Net charge-offs to loans | 0.2492% | 1,051 |
| Credit loss provision to net charge-offs | 97.2222% | 2,347 |
| Earnings coverage of net charge-offs (x) | 7.1294% | 2,951 |
| Efficiency ratio | 77.0833% | 2,075 |
| Assets per employee ($millions) | 4.1150% | 3,680 |
| Cash dividends to net income (ytd only)* | 64.5593% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 3,604 |
| Loan loss allowance to noncurrent loans | 192.5824% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 4,621 |
| Noncurrent loans to loans | 0.6275% | 3,438 |
| Net loans and leases to total assets | 44.9225% | 5,295 |
| Net loans and leases to deposits | 65.1312% | 4,457 |
| Net loans and leases to core deposits | 66.3483% | 4,667 |
| Total domestic deposits to total assets | 68.9724% | 6,010 |
| Equity capital to assets | 8.9892% | 5,312 |
| Core capital (leverage) ratio | 8.7423% | 5,307 |
| Tier 1 risk-based capital ratio | 17.0330% | 2,365 |
| Total risk-based capital ratio | 18.1526% | 2,362 |
| Memoranda: | ||
| Average total assets | $123,787,500 | 4,049 |
| Average earning assets | $117,912,500 | 3,963 |
| Average equity | $11,347,000 | 4,470 |
| Average total loans | $57,785,500 | 4,478 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4144% | 5,196 |
| Cost of funding earning assets | 0.3449% | 3,870 |
| Net interest margin | 3.0695% | 5,047 |
| Noninterest income to average assets | 0.7459% | 2,014 |
| Noninterest expense to average assets | 2.8173% | 3,171 |
| Loan and lease loss provision to assets | 0.1143% | 1,931 |
| Net operating income to assets | 0.7345% | 3,714 |
| Return on assets (ROA) | 0.7492% | 3,744 |
| Pretax return on assets | 0.7492% | 4,498 |
| Return on Equity (ROE) | 8.1189% | 2,979 |
| Retained earnings to average equity (ytd only) | 3.5907% | 3,741 |
| Net charge-offs to loans | 0.2183% | 1,167 |
| Credit loss provision to net charge-offs | 111.1111% | 1,911 |
| Earnings coverage of net charge-offs (x) | 8.2540% | 2,581 |
| Efficiency ratio | 76.8477% | 2,220 |
| Assets per employee ($millions) | 3.3645% | 5,048 |
| Cash dividends to net income (ytd only)* | 55.7734% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 3,586 |
| Loan loss allowance to noncurrent loans | 190.8602% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 4,629 |
| Noncurrent loans to loans | 0.6475% | 3,537 |
| Net loans and leases to total assets | 46.8490% | 5,183 |
| Net loans and leases to deposits | 64.1240% | 4,519 |
| Net loans and leases to core deposits | 65.5205% | 4,693 |
| Total domestic deposits to total assets | 73.0600% | 5,862 |
| Equity capital to assets | 9.2453% | 4,963 |
| Core capital (leverage) ratio | 8.5962% | 5,444 |
| Tier 1 risk-based capital ratio | 17.2771% | 2,293 |
| Total risk-based capital ratio | 18.4314% | 2,284 |
| Memoranda: | ||
| Average total assets | $122,528,670 | 4,103 |
| Average earning assets | $116,564,670 | 4,025 |
| Average equity | $11,307,000 | 4,506 |
| Average total loans | $57,712,000 | 4,517 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3976% | 5,208 |
| Cost of funding earning assets | 0.3312% | 4,075 |
| Net interest margin | 3.0664% | 5,039 |
| Noninterest income to average assets | 0.7790% | 1,790 |
| Noninterest expense to average assets | 2.7460% | 3,429 |
| Loan and lease loss provision to assets | 0.1136% | 1,817 |
| Net operating income to assets | 0.8342% | 3,088 |
| Return on assets (ROA) | 0.8439% | 3,162 |
| Pretax return on assets | 0.8439% | 4,088 |
| Return on Equity (ROE) | 9.1537% | 2,379 |
| Retained earnings to average equity (ytd only) | 4.5064% | 3,321 |
| Net charge-offs to loans | -0.0277% | 5,203 |
| Credit loss provision to net charge-offs | -875.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3409% | 2,760 |
| Assets per employee ($millions) | 3.6421% | 4,627 |
| Cash dividends to net income (ytd only)* | 50.7692% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 3,347 |
| Loan loss allowance to noncurrent loans | 149.1968% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 4,373 |
| Noncurrent loans to loans | 0.8776% | 3,053 |
| Net loans and leases to total assets | 45.2273% | 5,252 |
| Net loans and leases to deposits | 61.2003% | 4,644 |
| Net loans and leases to core deposits | 61.7979% | 4,852 |
| Total domestic deposits to total assets | 73.9005% | 5,912 |
| Equity capital to assets | 9.3225% | 4,935 |
| Core capital (leverage) ratio | 8.7179% | 5,305 |
| Tier 1 risk-based capital ratio | 17.4552% | 2,315 |
| Total risk-based capital ratio | 18.6844% | 2,277 |
| Memoranda: | ||
| Average total assets | $123,232,500 | 4,119 |
| Average earning assets | $117,142,500 | 4,036 |
| Average equity | $11,361,500 | 4,532 |
| Average total loans | $57,841,000 | 4,548 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5306% | 5,247 |
| Cost of funding earning assets | 0.4007% | 3,681 |
| Net interest margin | 3.1300% | 5,131 |
| Noninterest income to average assets | 0.8497% | 1,682 |
| Noninterest expense to average assets | 3.2686% | 2,010 |
| Loan and lease loss provision to assets | 0.0518% | 3,518 |
| Net operating income to assets | 0.4894% | 4,849 |
| Return on assets (ROA) | 0.5684% | 4,602 |
| Pretax return on assets | 0.5684% | 5,037 |
| Return on Equity (ROE) | 6.2163% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.2708% | 3,902 |
| Net charge-offs to loans | 0.0461% | 3,908 |
| Credit loss provision to net charge-offs | 234.6154% | 1,076 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,531 |
| Efficiency ratio | 85.7939% | 1,192 |
| Assets per employee ($millions) | 3.5039% | 4,892 |
| Cash dividends to net income (ytd only)* | 47.3842% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 4,031 |
| Loan loss allowance to noncurrent loans | 158.2022% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 4,571 |
| Noncurrent loans to loans | 0.7551% | 3,434 |
| Net loans and leases to total assets | 47.4824% | 5,205 |
| Net loans and leases to deposits | 62.2255% | 4,706 |
| Net loans and leases to core deposits | 62.8189% | 4,934 |
| Total domestic deposits to total assets | 76.3069% | 5,688 |
| Equity capital to assets | 9.1157% | 5,166 |
| Core capital (leverage) ratio | 8.7938% | 5,250 |
| Tier 1 risk-based capital ratio | 16.1300% | 2,905 |
| Total risk-based capital ratio | 17.2193% | 2,921 |
| Memoranda: | ||
| Average total assets | $117,694,200 | 4,233 |
| Average earning assets | $111,311,600 | 4,153 |
| Average equity | $10,762,000 | 4,607 |
| Average total loans | $56,416,400 | 4,604 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5665% | 5,225 |
| Cost of funding earning assets | 0.4165% | 3,620 |
| Net interest margin | 3.1501% | 5,121 |
| Noninterest income to average assets | 0.8506% | 1,695 |
| Noninterest expense to average assets | 3.2926% | 1,915 |
| Loan and lease loss provision to assets | 0.0309% | 3,790 |
| Net operating income to assets | 0.5060% | 4,855 |
| Return on assets (ROA) | 0.5816% | 4,617 |
| Pretax return on assets | 0.5816% | 5,081 |
| Return on Equity (ROE) | 6.3552% | 4,052 |
| Retained earnings to average equity (ytd only) | 2.9524% | 4,492 |
| Net charge-offs to loans | -0.0335% | 5,779 |
| Credit loss provision to net charge-offs | -192.8571% | 5,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9791% | 1,185 |
| Assets per employee ($millions) | 3.4429% | 4,968 |
| Cash dividends to net income (ytd only)* | 53.5434% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 3,982 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 4,867 |
| Noncurrent loans to loans | 0.6920% | 3,881 |
| Net loans and leases to total assets | 48.1573% | 5,192 |
| Net loans and leases to deposits | 64.5720% | 4,473 |
| Net loans and leases to core deposits | 65.2318% | 4,782 |
| Total domestic deposits to total assets | 74.5793% | 5,959 |
| Equity capital to assets | 9.2988% | 5,033 |
| Core capital (leverage) ratio | 8.7428% | 5,392 |
| Tier 1 risk-based capital ratio | 16.6473% | 2,751 |
| Total risk-based capital ratio | 17.7954% | 2,749 |
| Memoranda: | ||
| Average total assets | $116,459,000 | 4,294 |
| Average earning assets | $110,132,250 | 4,217 |
| Average equity | $10,657,750 | 4,656 |
| Average total loans | $55,787,000 | 4,662 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5111% | 5,391 |
| Cost of funding earning assets | 0.4087% | 3,788 |
| Net interest margin | 3.1024% | 5,247 |
| Noninterest income to average assets | 0.9014% | 1,490 |
| Noninterest expense to average assets | 3.2858% | 1,956 |
| Loan and lease loss provision to assets | 0.0464% | 3,380 |
| Net operating income to assets | 0.5075% | 4,778 |
| Return on assets (ROA) | 0.6090% | 4,406 |
| Pretax return on assets | 0.6090% | 4,930 |
| Return on Equity (ROE) | 6.6906% | 3,785 |
| Retained earnings to average equity (ytd only) | 3.1752% | 4,178 |
| Net charge-offs to loans | -0.0325% | 5,713 |
| Credit loss provision to net charge-offs | -300.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5735% | 1,310 |
| Assets per employee ($millions) | 3.2873% | 5,276 |
| Cash dividends to net income (ytd only)* | 52.5424% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 4,242 |
| Loan loss allowance to noncurrent loans | 163.9535% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 4,891 |
| Noncurrent loans to loans | 0.7536% | 3,818 |
| Net loans and leases to total assets | 47.6175% | 5,203 |
| Net loans and leases to deposits | 63.5306% | 4,545 |
| Net loans and leases to core deposits | 64.1679% | 4,808 |
| Total domestic deposits to total assets | 74.9520% | 6,031 |
| Equity capital to assets | 9.1887% | 5,117 |
| Core capital (leverage) ratio | 8.7954% | 5,277 |
| Tier 1 risk-based capital ratio | 16.5559% | 2,799 |
| Total risk-based capital ratio | 17.6958% | 2,816 |
| Memoranda: | ||
| Average total assets | $116,259,330 | 4,324 |
| Average earning assets | $110,106,670 | 4,241 |
| Average equity | $10,582,000 | 4,687 |
| Average total loans | $55,355,000 | 4,708 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5047% | 5,405 |
| Cost of funding earning assets | 0.4073% | 3,875 |
| Net interest margin | 3.0973% | 5,261 |
| Noninterest income to average assets | 0.8853% | 1,443 |
| Noninterest expense to average assets | 3.1870% | 2,272 |
| Loan and lease loss provision to assets | 0.0694% | 2,748 |
| Net operating income to assets | 0.5589% | 4,414 |
| Return on assets (ROA) | 0.7672% | 3,408 |
| Pretax return on assets | 0.7672% | 4,241 |
| Return on Equity (ROE) | 8.4707% | 2,700 |
| Retained earnings to average equity (ytd only) | 6.1709% | 2,446 |
| Net charge-offs to loans | -0.1468% | 6,278 |
| Credit loss provision to net charge-offs | -100.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5305% | 1,727 |
| Assets per employee ($millions) | 3.3605% | 5,233 |
| Cash dividends to net income (ytd only)* | 27.1493% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 4,190 |
| Loan loss allowance to noncurrent loans | 327.1889% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 5,174 |
| Noncurrent loans to loans | 0.3933% | 4,951 |
| Net loans and leases to total assets | 46.3092% | 5,304 |
| Net loans and leases to deposits | 60.0604% | 4,755 |
| Net loans and leases to core deposits | 60.6489% | 4,982 |
| Total domestic deposits to total assets | 77.1043% | 5,952 |
| Equity capital to assets | 9.0251% | 5,092 |
| Core capital (leverage) ratio | 8.9946% | 5,017 |
| Tier 1 risk-based capital ratio | 16.9163% | 2,732 |
| Total risk-based capital ratio | 18.0901% | 2,719 |
| Memoranda: | ||
| Average total assets | $115,218,500 | 4,385 |
| Average earning assets | $108,998,000 | 4,297 |
| Average equity | $10,436,000 | 4,741 |
| Average total loans | $54,504,500 | 4,774 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4900% | 5,665 |
| Cost of funding earning assets | 0.4497% | 4,118 |
| Net interest margin | 3.0403% | 5,482 |
| Noninterest income to average assets | 0.9951% | 1,409 |
| Noninterest expense to average assets | 3.3401% | 2,022 |
| Loan and lease loss provision to assets | 0.0089% | 4,947 |
| Net operating income to assets | 0.5140% | 4,673 |
| Return on assets (ROA) | 0.5158% | 4,797 |
| Pretax return on assets | 0.5158% | 5,159 |
| Return on Equity (ROE) | 5.4388% | 4,431 |
| Retained earnings to average equity (ytd only) | 3.2164% | 3,941 |
| Net charge-offs to loans | 0.4908% | 1,355 |
| Credit loss provision to net charge-offs | 3.8023% | 4,666 |
| Earnings coverage of net charge-offs (x) | 2.2357% | 4,274 |
| Efficiency ratio | 86.4641% | 1,369 |
| Assets per employee ($millions) | 3.2235% | 5,437 |
| Cash dividends to net income (ytd only)* | 40.8621% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 4,416 |
| Loan loss allowance to noncurrent loans | 143.1624% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 4,935 |
| Noncurrent loans to loans | 0.8694% | 3,806 |
| Net loans and leases to total assets | 47.1207% | 5,376 |
| Net loans and leases to deposits | 61.4341% | 4,782 |
| Net loans and leases to core deposits | 62.0645% | 5,048 |
| Total domestic deposits to total assets | 76.7011% | 6,025 |
| Equity capital to assets | 9.0914% | 4,933 |
| Core capital (leverage) ratio | 8.8792% | 5,166 |
| Tier 1 risk-based capital ratio | 17.2233% | 2,519 |
| Total risk-based capital ratio | 18.3692% | 2,530 |
| Memoranda: | ||
| Average total assets | $112,453,000 | 4,448 |
| Average earning assets | $106,075,400 | 4,360 |
| Average equity | $10,664,200 | 4,705 |
| Average total loans | $53,586,800 | 4,827 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4598% | 5,769 |
| Cost of funding earning assets | 0.4565% | 4,196 |
| Net interest margin | 3.0033% | 5,589 |
| Noninterest income to average assets | 1.0300% | 1,374 |
| Noninterest expense to average assets | 3.3475% | 1,955 |
| Loan and lease loss provision to assets | -0.1661% | 6,692 |
| Net operating income to assets | 0.6823% | 3,940 |
| Return on assets (ROA) | 0.6847% | 4,074 |
| Pretax return on assets | 0.6847% | 4,735 |
| Return on Equity (ROE) | 7.1457% | 3,563 |
| Retained earnings to average equity (ytd only) | 4.7680% | 3,260 |
| Net charge-offs to loans | 0.5281% | 1,217 |
| Credit loss provision to net charge-offs | -66.0377% | 5,736 |
| Earnings coverage of net charge-offs (x) | 2.0519% | 4,147 |
| Efficiency ratio | 86.6400% | 1,302 |
| Assets per employee ($millions) | 3.2609% | 5,360 |
| Cash dividends to net income (ytd only)* | 33.2753% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 5,552 |
| Loan loss allowance to noncurrent loans | 114.4869% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 4,966 |
| Noncurrent loans to loans | 0.9092% | 4,002 |
| Net loans and leases to total assets | 47.3951% | 5,408 |
| Net loans and leases to deposits | 63.0271% | 4,627 |
| Net loans and leases to core deposits | 63.6785% | 4,929 |
| Total domestic deposits to total assets | 75.1980% | 6,258 |
| Equity capital to assets | 9.0746% | 5,091 |
| Core capital (leverage) ratio | 9.0324% | 5,077 |
| Tier 1 risk-based capital ratio | 17.1044% | 2,665 |
| Total risk-based capital ratio | 18.0665% | 2,749 |
| Memoranda: | ||
| Average total assets | $112,361,000 | 4,501 |
| Average earning assets | $106,015,500 | 4,407 |
| Average equity | $10,766,000 | 4,742 |
| Average total loans | $53,525,500 | 4,873 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 5,620 |
| Cost of funding earning assets | 0.4653% | 4,258 |
| Net interest margin | 3.0693% | 5,370 |
| Noninterest income to average assets | 1.1398% | 1,172 |
| Noninterest expense to average assets | 3.3980% | 1,827 |
| Loan and lease loss provision to assets | -0.2684% | 6,817 |
| Net operating income to assets | 0.9018% | 2,783 |
| Return on assets (ROA) | 0.9054% | 2,904 |
| Pretax return on assets | 0.9054% | 3,887 |
| Return on Equity (ROE) | 9.2824% | 2,506 |
| Retained earnings to average equity (ytd only) | 6.5857% | 2,100 |
| Net charge-offs to loans | 0.6360% | 1,032 |
| Credit loss provision to net charge-offs | -88.7574% | 5,605 |
| Earnings coverage of net charge-offs (x) | 2.0947% | 3,824 |
| Efficiency ratio | 84.2876% | 1,596 |
| Assets per employee ($millions) | 2.9263% | 5,978 |
| Cash dividends to net income (ytd only)* | 29.0514% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 5,321 |
| Loan loss allowance to noncurrent loans | 165.4795% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 5,275 |
| Noncurrent loans to loans | 0.6825% | 4,570 |
| Net loans and leases to total assets | 47.5512% | 5,369 |
| Net loans and leases to deposits | 61.6766% | 4,781 |
| Net loans and leases to core deposits | 62.3134% | 5,069 |
| Total domestic deposits to total assets | 77.0976% | 6,113 |
| Equity capital to assets | 9.6620% | 4,366 |
| Core capital (leverage) ratio | 8.9956% | 4,998 |
| Tier 1 risk-based capital ratio | 17.6953% | 2,438 |
| Total risk-based capital ratio | 18.7547% | 2,483 |
| Memoranda: | ||
| Average total assets | $111,770,670 | 4,543 |
| Average earning assets | $105,301,670 | 4,452 |
| Average equity | $10,902,330 | 4,748 |
| Average total loans | $53,146,670 | 4,908 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6331% | 5,352 |
| Cost of funding earning assets | 0.4698% | 4,372 |
| Net interest margin | 3.1634% | 5,050 |
| Noninterest income to average assets | 1.4207% | 753 |
| Noninterest expense to average assets | 3.4268% | 1,773 |
| Loan and lease loss provision to assets | -0.7139% | 6,984 |
| Net operating income to assets | 1.6884% | 599 |
| Return on assets (ROA) | 1.6884% | 658 |
| Pretax return on assets | 1.6884% | 1,105 |
| Return on Equity (ROE) | 17.2290% | 496 |
| Retained earnings to average equity (ytd only) | 15.3349% | 324 |
| Net charge-offs to loans | -0.0151% | 5,592 |
| Credit loss provision to net charge-offs | 10,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8589% | 2,625 |
| Assets per employee ($millions) | 3.1563% | 5,722 |
| Cash dividends to net income (ytd only)* | 10.9937% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 4,438 |
| Loan loss allowance to noncurrent loans | 167.6674% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 4,892 |
| Noncurrent loans to loans | 0.8090% | 4,508 |
| Net loans and leases to total assets | 46.4682% | 5,389 |
| Net loans and leases to deposits | 61.4346% | 4,628 |
| Net loans and leases to core deposits | 62.0658% | 4,950 |
| Total domestic deposits to total assets | 75.6385% | 6,397 |
| Equity capital to assets | 9.8631% | 4,328 |
| Core capital (leverage) ratio | 9.1174% | 4,697 |
| Tier 1 risk-based capital ratio | 17.6026% | 2,517 |
| Total risk-based capital ratio | 18.8495% | 2,489 |
| Memoranda: | ||
| Average total assets | $112,057,000 | 4,577 |
| Average earning assets | $105,583,500 | 4,483 |
| Average equity | $10,981,500 | 4,773 |
| Average total loans | $52,980,000 | 4,947 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 5,730 |
| Cost of funding earning assets | 0.5903% | 4,438 |
| Net interest margin | 3.2507% | 5,426 |
| Noninterest income to average assets | 1.0802% | 1,331 |
| Noninterest expense to average assets | 3.4061% | 2,030 |
| Loan and lease loss provision to assets | 0.3347% | 2,014 |
| Net operating income to assets | 0.4064% | 5,078 |
| Return on assets (ROA) | 0.4400% | 5,173 |
| Pretax return on assets | 0.4400% | 5,454 |
| Return on Equity (ROE) | 4.7041% | 4,833 |
| Retained earnings to average equity (ytd only) | 1.2872% | 5,226 |
| Net charge-offs to loans | 0.4909% | 2,268 |
| Credit loss provision to net charge-offs | 145.3846% | 1,878 |
| Earnings coverage of net charge-offs (x) | 3.2192% | 3,821 |
| Efficiency ratio | 82.1307% | 1,851 |
| Assets per employee ($millions) | 3.0691% | 5,904 |
| Cash dividends to net income (ytd only)* | 72.6358% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 2,722 |
| Loan loss allowance to noncurrent loans | 308.6957% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 5,240 |
| Noncurrent loans to loans | 0.5702% | 5,104 |
| Net loans and leases to total assets | 46.6214% | 5,557 |
| Net loans and leases to deposits | 61.1697% | 4,888 |
| Net loans and leases to core deposits | 62.0308% | 5,153 |
| Total domestic deposits to total assets | 76.2164% | 6,331 |
| Equity capital to assets | 9.7350% | 4,547 |
| Core capital (leverage) ratio | 8.5097% | 5,595 |
| Tier 1 risk-based capital ratio | 17.3992% | 2,485 |
| Total risk-based capital ratio | 18.6528% | 2,461 |
| Memoranda: | ||
| Average total assets | $112,945,200 | 4,520 |
| Average earning assets | $106,562,600 | 4,428 |
| Average equity | $10,565,200 | 4,852 |
| Average total loans | $52,958,600 | 4,984 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 5,942 |
| Cost of funding earning assets | 0.6059% | 4,585 |
| Net interest margin | 3.2285% | 5,620 |
| Noninterest income to average assets | 1.1354% | 1,174 |
| Noninterest expense to average assets | 3.4084% | 1,983 |
| Loan and lease loss provision to assets | 0.4438% | 1,422 |
| Net operating income to assets | 0.3299% | 5,510 |
| Return on assets (ROA) | 0.3745% | 5,557 |
| Pretax return on assets | 0.3745% | 5,780 |
| Return on Equity (ROE) | 4.0439% | 5,272 |
| Retained earnings to average equity (ytd only) | 0.0380% | 6,059 |
| Net charge-offs to loans | 0.2913% | 2,985 |
| Credit loss provision to net charge-offs | 325.8621% | 823 |
| Earnings coverage of net charge-offs (x) | 5.6811% | 2,956 |
| Efficiency ratio | 81.4992% | 1,865 |
| Assets per employee ($millions) | 3.4369% | 5,128 |
| Cash dividends to net income (ytd only)* | 99.0595% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0611% | 2,007 |
| Loan loss allowance to noncurrent loans | 153.1609% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 5,051 |
| Noncurrent loans to loans | 1.3457% | 3,776 |
| Net loans and leases to total assets | 43.3482% | 6,017 |
| Net loans and leases to deposits | 58.2282% | 5,409 |
| Net loans and leases to core deposits | 59.0192% | 5,657 |
| Total domestic deposits to total assets | 74.4455% | 6,566 |
| Equity capital to assets | 9.0950% | 5,718 |
| Core capital (leverage) ratio | 8.4690% | 5,796 |
| Tier 1 risk-based capital ratio | 17.0263% | 2,721 |
| Total risk-based capital ratio | 18.2842% | 2,675 |
| Memoranda: | ||
| Average total assets | $113,559,500 | 4,557 |
| Average earning assets | $107,167,500 | 4,461 |
| Average equity | $10,517,500 | 4,909 |
| Average total loans | $53,089,750 | 5,028 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 5,933 |
| Cost of funding earning assets | 0.6297% | 4,629 |
| Net interest margin | 3.2633% | 5,557 |
| Noninterest income to average assets | 1.2431% | 923 |
| Noninterest expense to average assets | 3.5159% | 1,748 |
| Loan and lease loss provision to assets | 0.6189% | 940 |
| Net operating income to assets | 0.1867% | 5,959 |
| Return on assets (ROA) | 0.2543% | 5,943 |
| Pretax return on assets | 0.2543% | 6,050 |
| Return on Equity (ROE) | 2.7288% | 5,794 |
| Retained earnings to average equity (ytd only) | -1.3167% | 6,255 |
| Net charge-offs to loans | 0.4482% | 2,263 |
| Credit loss provision to net charge-offs | 290.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 3.7750% | 3,272 |
| Efficiency ratio | 81.3580% | 1,983 |
| Assets per employee ($millions) | 2.9914% | 6,081 |
| Cash dividends to net income (ytd only)* | 148.2517% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9409% | 2,408 |
| Loan loss allowance to noncurrent loans | 134.5502% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 4,963 |
| Noncurrent loans to loans | 1.4425% | 3,749 |
| Net loans and leases to total assets | 45.8684% | 5,836 |
| Net loans and leases to deposits | 60.6752% | 5,177 |
| Net loans and leases to core deposits | 61.6983% | 5,417 |
| Total domestic deposits to total assets | 75.5967% | 6,518 |
| Equity capital to assets | 9.2476% | 5,403 |
| Core capital (leverage) ratio | 8.4791% | 5,675 |
| Tier 1 risk-based capital ratio | 16.4171% | 2,956 |
| Total risk-based capital ratio | 17.6734% | 2,916 |
| Memoranda: | ||
| Average total assets | $112,460,670 | 4,604 |
| Average earning assets | $106,088,000 | 4,506 |
| Average equity | $10,480,670 | 4,915 |
| Average total loans | $53,546,000 | 5,047 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 5,865 |
| Cost of funding earning assets | 0.6569% | 4,667 |
| Net interest margin | 3.3111% | 5,434 |
| Noninterest income to average assets | 1.2695% | 879 |
| Noninterest expense to average assets | 3.6011% | 1,554 |
| Loan and lease loss provision to assets | 0.9298% | 469 |
| Net operating income to assets | -0.1430% | 6,574 |
| Return on assets (ROA) | -0.1430% | 6,641 |
| Pretax return on assets | -0.1430% | 6,626 |
| Return on Equity (ROE) | -1.5289% | 6,654 |
| Retained earnings to average equity (ytd only) | -5.5041% | 6,617 |
| Net charge-offs to loans | -0.0744% | 6,689 |
| Credit loss provision to net charge-offs | -2,600.0000% | 6,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0701% | 1,925 |
| Assets per employee ($millions) | 2.7129% | 6,618 |
| Cash dividends to net income (ytd only)* | -260.0000% | 7,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9939% | 2,375 |
| Loan loss allowance to noncurrent loans | 123.1651% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 4,889 |
| Noncurrent loans to loans | 1.6189% | 3,691 |
| Net loans and leases to total assets | 46.3310% | 5,745 |
| Net loans and leases to deposits | 60.6322% | 5,075 |
| Net loans and leases to core deposits | 61.6382% | 5,366 |
| Total domestic deposits to total assets | 76.4132% | 6,496 |
| Equity capital to assets | 9.1346% | 5,318 |
| Core capital (leverage) ratio | 7.9598% | 6,290 |
| Tier 1 risk-based capital ratio | 15.0839% | 3,702 |
| Total risk-based capital ratio | 16.3408% | 3,656 |
| Memoranda: | ||
| Average total assets | $111,854,500 | 4,656 |
| Average earning assets | $105,342,500 | 4,560 |
| Average equity | $10,465,000 | 4,926 |
| Average total loans | $53,733,000 | 5,081 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2563% | 5,899 |
| Cost of funding earning assets | 0.8331% | 4,606 |
| Net interest margin | 3.4232% | 5,414 |
| Noninterest income to average assets | 1.2780% | 785 |
| Noninterest expense to average assets | 3.7522% | 1,437 |
| Loan and lease loss provision to assets | 0.3631% | 2,829 |
| Net operating income to assets | 0.3812% | 4,944 |
| Return on assets (ROA) | 0.3812% | 5,119 |
| Pretax return on assets | 0.3812% | 5,349 |
| Return on Equity (ROE) | 3.9698% | 4,863 |
| Retained earnings to average equity (ytd only) | -1.2476% | 6,049 |
| Net charge-offs to loans | 0.2141% | 4,450 |
| Credit loss provision to net charge-offs | 336.1345% | 692 |
| Earnings coverage of net charge-offs (x) | 6.8908% | 2,431 |
| Efficiency ratio | 83.4477% | 1,826 |
| Assets per employee ($millions) | 2.5527% | 6,781 |
| Cash dividends to net income (ytd only)* | 131.4286% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 4,029 |
| Loan loss allowance to noncurrent loans | 73.6939% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 4,508 |
| Noncurrent loans to loans | 2.0354% | 3,161 |
| Net loans and leases to total assets | 48.0996% | 5,815 |
| Net loans and leases to deposits | 63.1487% | 5,105 |
| Net loans and leases to core deposits | 64.2366% | 5,441 |
| Total domestic deposits to total assets | 76.1688% | 6,462 |
| Equity capital to assets | 9.5857% | 4,766 |
| Core capital (leverage) ratio | 7.9959% | 6,279 |
| Tier 1 risk-based capital ratio | 15.1946% | 3,516 |
| Total risk-based capital ratio | 16.4457% | 3,481 |
| Memoranda: | ||
| Average total assets | $110,174,800 | 4,639 |
| Average earning assets | $103,588,400 | 4,547 |
| Average equity | $10,580,000 | 4,888 |
| Average total loans | $55,581,800 | 5,049 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 5,972 |
| Cost of funding earning assets | 0.8644% | 4,669 |
| Net interest margin | 3.4267% | 5,481 |
| Noninterest income to average assets | 1.2296% | 867 |
| Noninterest expense to average assets | 3.7868% | 1,319 |
| Loan and lease loss provision to assets | 0.2479% | 3,526 |
| Net operating income to assets | 0.4159% | 4,923 |
| Return on assets (ROA) | 0.4159% | 5,115 |
| Pretax return on assets | 0.4159% | 5,419 |
| Return on Equity (ROE) | 4.3292% | 4,852 |
| Retained earnings to average equity (ytd only) | -0.7929% | 6,116 |
| Net charge-offs to loans | 0.2901% | 3,641 |
| Credit loss provision to net charge-offs | 168.0328% | 1,799 |
| Earnings coverage of net charge-offs (x) | 4.5001% | 3,054 |
| Efficiency ratio | 85.0856% | 1,629 |
| Assets per employee ($millions) | 2.6371% | 6,737 |
| Cash dividends to net income (ytd only)* | 118.3120% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 5,803 |
| Loan loss allowance to noncurrent loans | 76.1006% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 5,260 |
| Noncurrent loans to loans | 1.4742% | 4,087 |
| Net loans and leases to total assets | 47.0228% | 6,052 |
| Net loans and leases to deposits | 63.6544% | 5,213 |
| Net loans and leases to core deposits | 64.9445% | 5,529 |
| Total domestic deposits to total assets | 73.8721% | 6,773 |
| Equity capital to assets | 9.4042% | 5,237 |
| Core capital (leverage) ratio | 8.2252% | 6,102 |
| Tier 1 risk-based capital ratio | 15.0922% | 3,614 |
| Total risk-based capital ratio | 16.1088% | 3,720 |
| Memoranda: | ||
| Average total assets | $110,276,500 | 4,668 |
| Average earning assets | $103,655,000 | 4,584 |
| Average equity | $10,594,500 | 4,895 |
| Average total loans | $56,076,750 | 5,075 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3760% | 5,772 |
| Cost of funding earning assets | 0.8994% | 4,675 |
| Net interest margin | 3.4766% | 5,264 |
| Noninterest income to average assets | 1.2487% | 809 |
| Noninterest expense to average assets | 3.7936% | 1,357 |
| Loan and lease loss provision to assets | 0.2655% | 3,279 |
| Net operating income to assets | 0.4522% | 4,708 |
| Return on assets (ROA) | 0.4522% | 4,848 |
| Pretax return on assets | 0.4522% | 5,220 |
| Return on Equity (ROE) | 4.6730% | 4,604 |
| Retained earnings to average equity (ytd only) | -1.1919% | 6,088 |
| Net charge-offs to loans | 0.4437% | 2,795 |
| Credit loss provision to net charge-offs | 115.0794% | 2,662 |
| Earnings coverage of net charge-offs (x) | 3.1111% | 3,299 |
| Efficiency ratio | 84.0909% | 1,803 |
| Assets per employee ($millions) | 2.1817% | 7,196 |
| Cash dividends to net income (ytd only)* | 125.5061% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 6,459 |
| Loan loss allowance to noncurrent loans | 66.8311% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 0.8522% | 5,167 |
| Noncurrent loans to loans | 1.4479% | 4,247 |
| Net loans and leases to total assets | 51.8886% | 5,579 |
| Net loans and leases to deposits | 67.4518% | 4,788 |
| Net loans and leases to core deposits | 68.8388% | 5,207 |
| Total domestic deposits to total assets | 76.9270% | 6,461 |
| Equity capital to assets | 9.9557% | 4,212 |
| Core capital (leverage) ratio | 8.2271% | 5,985 |
| Tier 1 risk-based capital ratio | 15.0124% | 3,490 |
| Total risk-based capital ratio | 15.9184% | 3,656 |
| Memoranda: | ||
| Average total assets | $109,236,670 | 4,719 |
| Average earning assets | $102,513,000 | 4,637 |
| Average equity | $10,571,330 | 4,905 |
| Average total loans | $56,793,330 | 5,090 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 5,888 |
| Cost of funding earning assets | 0.9188% | 4,785 |
| Net interest margin | 3.4204% | 5,350 |
| Noninterest income to average assets | 1.2355% | 832 |
| Noninterest expense to average assets | 3.7716% | 1,389 |
| Loan and lease loss provision to assets | 0.1087% | 4,653 |
| Net operating income to assets | 0.5652% | 4,210 |
| Return on assets (ROA) | 0.5652% | 4,287 |
| Pretax return on assets | 0.5652% | 4,816 |
| Return on Equity (ROE) | 5.9228% | 3,950 |
| Retained earnings to average equity (ytd only) | 0.7973% | 5,508 |
| Net charge-offs to loans | 0.2658% | 3,007 |
| Credit loss provision to net charge-offs | 78.9474% | 3,184 |
| Earnings coverage of net charge-offs (x) | 4.8947% | 2,377 |
| Efficiency ratio | 84.8411% | 1,863 |
| Assets per employee ($millions) | 2.4254% | 7,079 |
| Cash dividends to net income (ytd only)* | 86.5385% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 6,668 |
| Loan loss allowance to noncurrent loans | 48.6767% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 4,768 |
| Noncurrent loans to loans | 1.8733% | 3,728 |
| Net loans and leases to total assets | 51.2740% | 5,675 |
| Net loans and leases to deposits | 67.2471% | 4,793 |
| Net loans and leases to core deposits | 68.6115% | 5,214 |
| Total domestic deposits to total assets | 76.2472% | 6,630 |
| Equity capital to assets | 9.6789% | 4,200 |
| Core capital (leverage) ratio | 8.1586% | 6,037 |
| Tier 1 risk-based capital ratio | 14.9947% | 3,426 |
| Total risk-based capital ratio | 15.8464% | 3,637 |
| Memoranda: | ||
| Average total assets | $110,403,000 | 4,726 |
| Average earning assets | $103,613,500 | 4,645 |
| Average equity | $10,535,500 | 4,911 |
| Average total loans | $57,183,500 | 5,126 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6579% | 5,930 |
| Cost of funding earning assets | 1.1584% | 4,801 |
| Net interest margin | 3.4996% | 5,250 |
| Noninterest income to average assets | 1.3414% | 816 |
| Noninterest expense to average assets | 3.9357% | 1,258 |
| Loan and lease loss provision to assets | 0.1321% | 5,854 |
| Net operating income to assets | 0.5276% | 3,975 |
| Return on assets (ROA) | 0.5604% | 4,005 |
| Pretax return on assets | 0.5604% | 4,448 |
| Return on Equity (ROE) | 5.8944% | 3,659 |
| Retained earnings to average equity (ytd only) | 2.8178% | 3,877 |
| Net charge-offs to loans | 0.0769% | 6,041 |
| Credit loss provision to net charge-offs | 322.2222% | 803 |
| Earnings coverage of net charge-offs (x) | 16.0889% | 1,239 |
| Efficiency ratio | 85.6435% | 1,731 |
| Assets per employee ($millions) | 2.4274% | 7,097 |
| Cash dividends to net income (ytd only)* | 52.1951% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 6,711 |
| Loan loss allowance to noncurrent loans | 86.7330% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 5,744 |
| Noncurrent loans to loans | 1.0416% | 4,984 |
| Net loans and leases to total assets | 51.3751% | 6,005 |
| Net loans and leases to deposits | 66.5182% | 5,334 |
| Net loans and leases to core deposits | 68.4134% | 5,615 |
| Total domestic deposits to total assets | 77.2347% | 6,442 |
| Equity capital to assets | 9.4097% | 4,533 |
| Core capital (leverage) ratio | 8.1927% | 5,836 |
| Tier 1 risk-based capital ratio | 14.5671% | 3,500 |
| Total risk-based capital ratio | 15.4094% | 3,718 |
| Memoranda: | ||
| Average total assets | $109,737,800 | 4,720 |
| Average earning assets | $102,041,200 | 4,668 |
| Average equity | $10,433,600 | 5,000 |
| Average total loans | $58,509,200 | 5,130 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 5,957 |
| Cost of funding earning assets | 1.2197% | 4,745 |
| Net interest margin | 3.4971% | 5,303 |
| Noninterest income to average assets | 1.3448% | 746 |
| Noninterest expense to average assets | 3.9588% | 1,103 |
| Loan and lease loss provision to assets | 0.0488% | 6,595 |
| Net operating income to assets | 0.5809% | 3,955 |
| Return on assets (ROA) | 0.6248% | 3,945 |
| Pretax return on assets | 0.6248% | 4,509 |
| Return on Equity (ROE) | 6.5543% | 3,548 |
| Retained earnings to average equity (ytd only) | 3.0084% | 4,332 |
| Net charge-offs to loans | 0.1341% | 5,227 |
| Credit loss provision to net charge-offs | 67.7966% | 5,480 |
| Earnings coverage of net charge-offs (x) | 8.7462% | 2,117 |
| Efficiency ratio | 86.2766% | 1,602 |
| Assets per employee ($millions) | 2.4624% | 7,116 |
| Cash dividends to net income (ytd only)* | 54.1009% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 7,226 |
| Loan loss allowance to noncurrent loans | 324.0000% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 6,855 |
| Noncurrent loans to loans | 0.2103% | 6,759 |
| Net loans and leases to total assets | 53.2818% | 5,948 |
| Net loans and leases to deposits | 69.1691% | 5,254 |
| Net loans and leases to core deposits | 71.8318% | 5,534 |
| Total domestic deposits to total assets | 77.0312% | 6,470 |
| Equity capital to assets | 9.4795% | 4,878 |
| Core capital (leverage) ratio | 8.1463% | 6,126 |
| Tier 1 risk-based capital ratio | 14.3180% | 3,621 |
| Total risk-based capital ratio | 14.9634% | 4,001 |
| Memoranda: | ||
| Average total assets | $109,257,000 | 4,791 |
| Average earning assets | $101,338,000 | 4,750 |
| Average equity | $10,415,250 | 5,082 |
| Average total loans | $58,664,250 | 5,197 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6889% | 6,175 |
| Cost of funding earning assets | 1.2641% | 4,751 |
| Net interest margin | 3.4247% | 5,539 |
| Noninterest income to average assets | 1.3500% | 691 |
| Noninterest expense to average assets | 4.0132% | 1,024 |
| Loan and lease loss provision to assets | 0.0460% | 6,513 |
| Net operating income to assets | 0.4598% | 4,507 |
| Return on assets (ROA) | 0.5260% | 4,370 |
| Pretax return on assets | 0.5260% | 4,826 |
| Return on Equity (ROE) | 5.5076% | 4,041 |
| Retained earnings to average equity (ytd only) | 2.7731% | 4,368 |
| Net charge-offs to loans | 0.1918% | 4,461 |
| Credit loss provision to net charge-offs | 44.6429% | 5,528 |
| Earnings coverage of net charge-offs (x) | 4.9107% | 2,808 |
| Efficiency ratio | 88.8075% | 1,433 |
| Assets per employee ($millions) | 2.1834% | 7,455 |
| Cash dividends to net income (ytd only)* | 49.6503% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6566% | 7,325 |
| Loan loss allowance to noncurrent loans | 128.7582% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 6,395 |
| Noncurrent loans to loans | 0.5100% | 6,233 |
| Net loans and leases to total assets | 54.6006% | 5,902 |
| Net loans and leases to deposits | 70.4695% | 5,212 |
| Net loans and leases to core deposits | 74.1984% | 5,425 |
| Total domestic deposits to total assets | 77.4812% | 6,397 |
| Equity capital to assets | 9.6042% | 4,545 |
| Core capital (leverage) ratio | 8.0922% | 6,136 |
| Tier 1 risk-based capital ratio | 14.1972% | 3,608 |
| Total risk-based capital ratio | 14.8261% | 3,987 |
| Memoranda: | ||
| Average total assets | $108,740,330 | 4,840 |
| Average earning assets | $100,621,000 | 4,790 |
| Average equity | $10,385,670 | 5,092 |
| Average total loans | $58,404,000 | 5,254 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7214% | 6,169 |
| Cost of funding earning assets | 1.2840% | 4,910 |
| Net interest margin | 3.4374% | 5,438 |
| Noninterest income to average assets | 1.4338% | 587 |
| Noninterest expense to average assets | 4.1981% | 809 |
| Loan and lease loss provision to assets | 0.0369% | 6,306 |
| Net operating income to assets | 0.3760% | 4,946 |
| Return on assets (ROA) | 0.5086% | 4,488 |
| Pretax return on assets | 0.5086% | 4,928 |
| Return on Equity (ROE) | 5.3406% | 4,188 |
| Retained earnings to average equity (ytd only) | 3.5991% | 4,000 |
| Net charge-offs to loans | 0.2153% | 3,632 |
| Credit loss provision to net charge-offs | 32.2581% | 4,782 |
| Earnings coverage of net charge-offs (x) | 3.6129% | 2,849 |
| Efficiency ratio | 91.0472% | 1,349 |
| Assets per employee ($millions) | 2.2614% | 7,490 |
| Cash dividends to net income (ytd only)* | 32.6087% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6961% | 7,343 |
| Loan loss allowance to noncurrent loans | 139.9306% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 6,428 |
| Noncurrent loans to loans | 0.4974% | 6,303 |
| Net loans and leases to total assets | 51.8861% | 6,284 |
| Net loans and leases to deposits | 67.3453% | 5,671 |
| Net loans and leases to core deposits | 70.6775% | 5,856 |
| Total domestic deposits to total assets | 77.0450% | 6,553 |
| Equity capital to assets | 9.3116% | 4,814 |
| Core capital (leverage) ratio | 8.3069% | 5,725 |
| Tier 1 risk-based capital ratio | 14.4317% | 3,422 |
| Total risk-based capital ratio | 15.0894% | 3,731 |
| Memoranda: | ||
| Average total assets | $108,525,000 | 4,909 |
| Average earning assets | $100,309,000 | 4,869 |
| Average equity | $10,336,000 | 5,140 |
| Average total loans | $57,605,000 | 5,356 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3069% | 5,145 |
| Cost of funding earning assets | 1.4939% | 5,536 |
| Net interest margin | 3.8130% | 3,649 |
| Noninterest income to average assets | 1.5641% | 584 |
| Noninterest expense to average assets | 4.5323% | 772 |
| Loan and lease loss provision to assets | 0.1562% | 6,108 |
| Net operating income to assets | 0.3944% | 4,149 |
| Return on assets (ROA) | 0.4091% | 4,202 |
| Pretax return on assets | 0.4091% | 4,473 |
| Return on Equity (ROE) | 4.1580% | 4,022 |
| Retained earnings to average equity (ytd only) | 1.2008% | 4,200 |
| Net charge-offs to loans | 0.1525% | 5,740 |
| Credit loss provision to net charge-offs | 175.8242% | 2,391 |
| Earnings coverage of net charge-offs (x) | 6.1978% | 2,417 |
| Efficiency ratio | 89.1663% | 1,774 |
| Assets per employee ($millions) | 2.0832% | 7,675 |
| Cash dividends to net income (ytd only)* | 71.1217% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7398% | 7,288 |
| Loan loss allowance to noncurrent loans | 139.0164% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 6,299 |
| Noncurrent loans to loans | 0.5322% | 6,189 |
| Net loans and leases to total assets | 53.5466% | 6,241 |
| Net loans and leases to deposits | 68.9088% | 5,735 |
| Net loans and leases to core deposits | 82.8839% | 5,826 |
| Total domestic deposits to total assets | 77.7066% | 6,298 |
| Equity capital to assets | 9.7457% | 4,076 |
| Core capital (leverage) ratio | 8.3231% | 5,571 |
| Tier 1 risk-based capital ratio | 14.6291% | 3,141 |
| Total risk-based capital ratio | 15.3379% | 3,401 |
| Memoranda: | ||
| Average total assets | $102,421,200 | 5,028 |
| Average earning assets | $94,518,800 | 4,992 |
| Average equity | $10,077,000 | 5,274 |
| Average total loans | $59,653,400 | 5,265 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3542% | 5,154 |
| Cost of funding earning assets | 1.5137% | 5,764 |
| Net interest margin | 3.8405% | 3,478 |
| Noninterest income to average assets | 1.6097% | 568 |
| Noninterest expense to average assets | 4.2864% | 927 |
| Loan and lease loss provision to assets | 0.1708% | 5,654 |
| Net operating income to assets | 0.7030% | 3,195 |
| Return on assets (ROA) | 0.7227% | 3,198 |
| Pretax return on assets | 0.7227% | 3,786 |
| Return on Equity (ROE) | 7.3275% | 2,936 |
| Retained earnings to average equity (ytd only) | 3.9568% | 3,067 |
| Net charge-offs to loans | 0.1040% | 5,635 |
| Credit loss provision to net charge-offs | 276.5957% | 1,521 |
| Earnings coverage of net charge-offs (x) | 14.1478% | 1,622 |
| Efficiency ratio | 83.0660% | 2,420 |
| Assets per employee ($millions) | 2.0910% | 7,724 |
| Cash dividends to net income (ytd only)* | 45.9990% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7313% | 7,303 |
| Loan loss allowance to noncurrent loans | 145.5150% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 6,327 |
| Noncurrent loans to loans | 0.5026% | 6,301 |
| Net loans and leases to total assets | 55.7511% | 6,170 |
| Net loans and leases to deposits | 73.3472% | 5,466 |
| Net loans and leases to core deposits | 88.2511% | 5,618 |
| Total domestic deposits to total assets | 76.0099% | 6,576 |
| Equity capital to assets | 9.5199% | 4,721 |
| Core capital (leverage) ratio | 8.8594% | 4,883 |
| Tier 1 risk-based capital ratio | 14.5676% | 3,241 |
| Total risk-based capital ratio | 15.2825% | 3,482 |
| Memoranda: | ||
| Average total assets | $101,466,000 | 5,082 |
| Average earning assets | $93,805,250 | 5,044 |
| Average equity | $10,007,750 | 5,334 |
| Average total loans | $60,238,500 | 5,276 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4802% | 4,732 |
| Cost of funding earning assets | 1.5574% | 5,898 |
| Net interest margin | 3.9228% | 3,009 |
| Noninterest income to average assets | 1.6222% | 565 |
| Noninterest expense to average assets | 4.2450% | 1,017 |
| Loan and lease loss provision to assets | 0.1704% | 5,362 |
| Net operating income to assets | 0.8281% | 2,741 |
| Return on assets (ROA) | 0.8582% | 2,723 |
| Pretax return on assets | 0.8582% | 3,480 |
| Return on Equity (ROE) | 8.5947% | 2,518 |
| Retained earnings to average equity (ytd only) | 5.0805% | 2,462 |
| Net charge-offs to loans | 0.0994% | 5,170 |
| Credit loss provision to net charge-offs | 283.3333% | 1,655 |
| Earnings coverage of net charge-offs (x) | 16.6000% | 1,528 |
| Efficiency ratio | 80.9560% | 2,892 |
| Assets per employee ($millions) | 1.9502% | 7,881 |
| Cash dividends to net income (ytd only)* | 40.8879% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6839% | 7,454 |
| Loan loss allowance to noncurrent loans | 82.4950% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 5,529 |
| Noncurrent loans to loans | 0.8291% | 5,568 |
| Net loans and leases to total assets | 59.8614% | 5,696 |
| Net loans and leases to deposits | 74.1996% | 5,423 |
| Net loans and leases to core deposits | 89.2823% | 5,601 |
| Total domestic deposits to total assets | 80.6763% | 5,201 |
| Equity capital to assets | 9.9620% | 3,993 |
| Core capital (leverage) ratio | 9.0076% | 4,617 |
| Tier 1 risk-based capital ratio | 14.7896% | 3,106 |
| Total risk-based capital ratio | 15.4724% | 3,326 |
| Memoranda: | ||
| Average total assets | $99,741,330 | 5,171 |
| Average earning assets | $92,077,000 | 5,117 |
| Average equity | $9,959,670 | 5,367 |
| Average total loans | $60,354,330 | 5,310 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5133% | 4,838 |
| Cost of funding earning assets | 1.5833% | 6,098 |
| Net interest margin | 3.9300% | 2,927 |
| Noninterest income to average assets | 1.7420% | 452 |
| Noninterest expense to average assets | 4.2169% | 925 |
| Loan and lease loss provision to assets | 0.1802% | 4,647 |
| Net operating income to assets | 0.9731% | 2,427 |
| Return on assets (ROA) | 1.0332% | 2,320 |
| Pretax return on assets | 1.0332% | 3,235 |
| Return on Equity (ROE) | 10.3350% | 2,184 |
| Retained earnings to average equity (ytd only) | 8.4923% | 1,634 |
| Net charge-offs to loans | 0.3633% | 2,644 |
| Credit loss provision to net charge-offs | 81.8182% | 4,166 |
| Earnings coverage of net charge-offs (x) | 5.2364% | 2,716 |
| Efficiency ratio | 78.5235% | 3,078 |
| Assets per employee ($millions) | 2.0042% | 7,895 |
| Cash dividends to net income (ytd only)* | 17.8295% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5813% | 7,693 |
| Loan loss allowance to noncurrent loans | 84.3902% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 5,677 |
| Noncurrent loans to loans | 0.6888% | 5,684 |
| Net loans and leases to total assets | 60.2558% | 5,611 |
| Net loans and leases to deposits | 76.2499% | 5,187 |
| Net loans and leases to core deposits | 89.6402% | 5,591 |
| Total domestic deposits to total assets | 79.0241% | 5,718 |
| Equity capital to assets | 10.2375% | 3,723 |
| Core capital (leverage) ratio | 9.0759% | 4,590 |
| Tier 1 risk-based capital ratio | 14.9739% | 3,079 |
| Total risk-based capital ratio | 15.5600% | 3,350 |
| Memoranda: | ||
| Average total assets | $99,883,000 | 5,186 |
| Average earning assets | $92,213,500 | 5,138 |
| Average equity | $9,985,500 | 5,389 |
| Average total loans | $60,558,000 | 5,343 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7774% | 6,511 |
| Cost of funding earning assets | 2.1653% | 5,755 |
| Net interest margin | 3.6120% | 4,828 |
| Noninterest income to average assets | 1.5562% | 578 |
| Noninterest expense to average assets | 4.1886% | 1,156 |
| Loan and lease loss provision to assets | 0.3457% | 3,631 |
| Net operating income to assets | 0.3506% | 5,352 |
| Return on assets (ROA) | 0.4080% | 4,939 |
| Pretax return on assets | 0.4080% | 5,240 |
| Return on Equity (ROE) | 4.3646% | 4,652 |
| Retained earnings to average equity (ytd only) | 0.6667% | 4,836 |
| Net charge-offs to loans | 0.7111% | 1,737 |
| Credit loss provision to net charge-offs | 83.9243% | 5,808 |
| Earnings coverage of net charge-offs (x) | 1.6903% | 5,235 |
| Efficiency ratio | 85.7456% | 1,883 |
| Assets per employee ($millions) | 2.1608% | 7,761 |
| Cash dividends to net income (ytd only)* | 84.7255% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5764% | 7,716 |
| Loan loss allowance to noncurrent loans | 80.6818% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 5,429 |
| Noncurrent loans to loans | 0.7144% | 5,251 |
| Net loans and leases to total assets | 60.2995% | 5,869 |
| Net loans and leases to deposits | 82.2596% | 4,686 |
| Net loans and leases to core deposits | 96.9048% | 5,161 |
| Total domestic deposits to total assets | 73.3039% | 6,777 |
| Equity capital to assets | 9.7649% | 4,337 |
| Core capital (leverage) ratio | 8.6811% | 5,231 |
| Tier 1 risk-based capital ratio | 14.1871% | 3,455 |
| Total risk-based capital ratio | 14.7707% | 3,706 |
| Memoranda: | ||
| Average total assets | $102,684,000 | 4,969 |
| Average earning assets | $94,627,800 | 4,958 |
| Average equity | $9,600,000 | 5,534 |
| Average total loans | $59,485,400 | 5,289 |