Home > Longview Bank > Performance and Condition Ratios
Longview Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8787% | 2,324 |
| Cost of funding earning assets | 1.3427% | 2,385 |
| Net interest margin | 3.5360% | 2,105 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.0696% | 3,472 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2104% | 1,628 |
| Return on assets (ROA) | 1.2104% | 1,596 |
| Pretax return on assets | 1.6013% | 1,224 |
| Return on Equity (ROE) | 15.0300% | 1,284 |
| Retained earnings to average equity (ytd only) | 8.1453% | 1,491 |
| Net charge-offs to loans | 0.0633% | 1,221 |
| Credit loss provision to net charge-offs | 159.0909% | 1,415 |
| Earnings coverage of net charge-offs (x) | 35.5606% | 1,519 |
| Efficiency ratio | 55.2505% | 3,573 |
| Assets per employee ($millions) | 6.6764% | 2,288 |
| Cash dividends to net income (ytd only)* | 45.8032% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 3,883 |
| Loan loss allowance to noncurrent loans | 60.8474% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.0437% | 462 |
| Noncurrent loans to loans | 1.3694% | 506 |
| Net loans and leases to total assets | 75.0500% | 1,236 |
| Net loans and leases to deposits | 87.2079% | 1,519 |
| Net loans and leases to core deposits | 101.9102% | 1,333 |
| Total domestic deposits to total assets | 86.0600% | 1,996 |
| Equity capital to assets | 8.0237% | 3,401 |
| Core capital (leverage) ratio | 8.3712% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1862% | 2,528 |
| Memoranda: | ||
| Average total assets | $560,059,200 | 1,585 |
| Average earning assets | $527,737,800 | 1,555 |
| Average equity | $45,106,000 | 1,728 |
| Average total loans | $417,321,600 | 1,431 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7812% | 2,307 |
| Cost of funding earning assets | 1.1825% | 2,484 |
| Net interest margin | 3.5987% | 2,013 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.0448% | 3,483 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.2465% | 1,658 |
| Return on assets (ROA) | 1.2465% | 1,651 |
| Pretax return on assets | 1.6645% | 1,230 |
| Return on Equity (ROE) | 15.4600% | 1,360 |
| Retained earnings to average equity (ytd only) | 8.2724% | 1,869 |
| Net charge-offs to loans | 0.0510% | 1,168 |
| Credit loss provision to net charge-offs | 175.1592% | 1,210 |
| Earnings coverage of net charge-offs (x) | 45.7389% | 1,362 |
| Efficiency ratio | 54.1590% | 3,573 |
| Assets per employee ($millions) | 6.3319% | 2,469 |
| Cash dividends to net income (ytd only)* | 46.5004% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 3,853 |
| Loan loss allowance to noncurrent loans | 61.5165% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.0420% | 483 |
| Noncurrent loans to loans | 1.3954% | 541 |
| Net loans and leases to total assets | 73.5000% | 1,406 |
| Net loans and leases to deposits | 87.2892% | 1,448 |
| Net loans and leases to core deposits | 102.0618% | 1,209 |
| Total domestic deposits to total assets | 84.2100% | 2,713 |
| Equity capital to assets | 7.9019% | 3,115 |
| Core capital (leverage) ratio | 8.4973% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1709% | 2,564 |
| Memoranda: | ||
| Average total assets | $553,193,250 | 1,602 |
| Average earning assets | $521,255,250 | 1,571 |
| Average equity | $44,597,250 | 1,730 |
| Average total loans | $410,489,250 | 1,447 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 2,271 |
| Cost of funding earning assets | 0.7708% | 3,294 |
| Net interest margin | 3.8963% | 1,437 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.0787% | 3,401 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.3479% | 1,455 |
| Return on assets (ROA) | 1.3479% | 1,446 |
| Pretax return on assets | 1.8207% | 973 |
| Return on Equity (ROE) | 16.4400% | 1,195 |
| Retained earnings to average equity (ytd only) | 9.5458% | 1,525 |
| Net charge-offs to loans | -0.0036% | 3,642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.0347% | 3,768 |
| Assets per employee ($millions) | 6.2452% | 2,510 |
| Cash dividends to net income (ytd only)* | 41.9507% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 3,907 |
| Loan loss allowance to noncurrent loans | 49.4111% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 264 |
| Noncurrent loans to loans | 1.7196% | 357 |
| Net loans and leases to total assets | 78.4000% | 793 |
| Net loans and leases to deposits | 86.1778% | 1,488 |
| Net loans and leases to core deposits | 102.1305% | 1,124 |
| Total domestic deposits to total assets | 90.9700% | 659 |
| Equity capital to assets | 8.4310% | 2,921 |
| Core capital (leverage) ratio | 8.8419% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6433% | 2,420 |
| Memoranda: | ||
| Average total assets | $282,962,333 | 2,513 |
| Average earning assets | $269,330,000 | 2,478 |
| Average equity | $23,193,333 | 2,611 |
| Average total loans | $219,549,667 | 2,156 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 2,182 |
| Cost of funding earning assets | 0.6425% | 3,250 |
| Net interest margin | 3.9115% | 1,461 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.0470% | 3,506 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.4046% | 1,395 |
| Return on assets (ROA) | 1.4046% | 1,369 |
| Pretax return on assets | 1.8920% | 918 |
| Return on Equity (ROE) | 17.3800% | 1,117 |
| Retained earnings to average equity (ytd only) | 10.4084% | 1,603 |
| Net charge-offs to loans | -0.0037% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.0541% | 3,849 |
| Assets per employee ($millions) | 6.4675% | 2,360 |
| Cash dividends to net income (ytd only)* | 40.1204% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 4,008 |
| Loan loss allowance to noncurrent loans | 150.7113% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 1,081 |
| Noncurrent loans to loans | 0.5579% | 1,326 |
| Net loans and leases to total assets | 74.6400% | 1,125 |
| Net loans and leases to deposits | 81.8242% | 1,670 |
| Net loans and leases to core deposits | 96.3617% | 1,260 |
| Total domestic deposits to total assets | 91.2300% | 724 |
| Equity capital to assets | 8.1871% | 3,116 |
| Core capital (leverage) ratio | 8.2553% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9352% | 2,414 |
| Memoranda: | ||
| Average total assets | $283,927,000 | 2,539 |
| Average earning assets | $270,176,500 | 2,503 |
| Average equity | $22,943,000 | 2,650 |
| Average total loans | $218,222,000 | 2,181 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 2,554 |
| Cost of funding earning assets | 0.2608% | 3,238 |
| Net interest margin | 3.4288% | 2,154 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.0104% | 3,556 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1539% | 1,953 |
| Return on assets (ROA) | 1.1539% | 1,892 |
| Pretax return on assets | 1.5377% | 1,332 |
| Return on Equity (ROE) | 14.2400% | 1,479 |
| Retained earnings to average equity (ytd only) | 9.4426% | 1,338 |
| Net charge-offs to loans | 0.0271% | 1,516 |
| Credit loss provision to net charge-offs | 346.1538% | 842 |
| Earnings coverage of net charge-offs (x) | 83.2885% | 1,071 |
| Efficiency ratio | 55.6159% | 3,617 |
| Assets per employee ($millions) | 6.1584% | 2,635 |
| Cash dividends to net income (ytd only)* | 33.7079% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 4,062 |
| Loan loss allowance to noncurrent loans | 97.9832% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 705 |
| Noncurrent loans to loans | 0.8032% | 926 |
| Net loans and leases to total assets | 77.8300% | 814 |
| Net loans and leases to deposits | 84.9395% | 1,394 |
| Net loans and leases to core deposits | 98.8930% | 1,056 |
| Total domestic deposits to total assets | 91.6300% | 740 |
| Equity capital to assets | 7.9736% | 3,073 |
| Core capital (leverage) ratio | 8.3484% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2996% | 2,648 |
| Memoranda: | ||
| Average total assets | $269,946,000 | 2,608 |
| Average earning assets | $258,017,200 | 2,561 |
| Average equity | $21,869,000 | 2,783 |
| Average total loans | $191,824,000 | 2,296 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4933% | 2,640 |
| Cost of funding earning assets | 0.1945% | 3,339 |
| Net interest margin | 3.2988% | 2,300 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.9794% | 3,536 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0692% | 2,214 |
| Return on assets (ROA) | 1.0692% | 2,173 |
| Pretax return on assets | 1.4298% | 1,628 |
| Return on Equity (ROE) | 13.1400% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.6061% | 888 |
| Net charge-offs to loans | 0.0391% | 1,104 |
| Credit loss provision to net charge-offs | 259.2593% | 884 |
| Earnings coverage of net charge-offs (x) | 55.5370% | 1,228 |
| Efficiency ratio | 56.8923% | 3,530 |
| Assets per employee ($millions) | 5.5181% | 3,196 |
| Cash dividends to net income (ytd only)* | 11.6932% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 4,046 |
| Loan loss allowance to noncurrent loans | 132.0186% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 922 |
| Noncurrent loans to loans | 0.6216% | 1,308 |
| Net loans and leases to total assets | 81.2700% | 424 |
| Net loans and leases to deposits | 89.5786% | 916 |
| Net loans and leases to core deposits | 96.7844% | 962 |
| Total domestic deposits to total assets | 90.7300% | 1,346 |
| Equity capital to assets | 8.8173% | 2,339 |
| Core capital (leverage) ratio | 8.8800% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1075% | 2,427 |
| Memoranda: | ||
| Average total assets | $266,611,000 | 2,647 |
| Average earning assets | $254,998,750 | 2,602 |
| Average equity | $21,689,250 | 2,844 |
| Average total loans | $184,222,750 | 2,349 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1995% | 3,051 |
| Cost of funding earning assets | 0.1972% | 2,952 |
| Net interest margin | 3.0023% | 2,863 |
| Noninterest income to average assets | 0.2880% | 3,452 |
| Noninterest expense to average assets | 1.8806% | 3,753 |
| Loan and lease loss provision to assets | 0.0591% | 1,531 |
| Net operating income to assets | 0.9178% | 2,506 |
| Return on assets (ROA) | 0.9178% | 2,473 |
| Pretax return on assets | 1.2264% | 1,977 |
| Return on Equity (ROE) | 11.5851% | 1,801 |
| Retained earnings to average equity (ytd only) | 9.2550% | 1,209 |
| Net charge-offs to loans | 0.0476% | 920 |
| Credit loss provision to net charge-offs | 190.4762% | 992 |
| Earnings coverage of net charge-offs (x) | 41.4524% | 1,244 |
| Efficiency ratio | 59.3983% | 3,382 |
| Assets per employee ($millions) | 6.0245% | 2,720 |
| Cash dividends to net income (ytd only)* | 20.1126% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 4,060 |
| Loan loss allowance to noncurrent loans | 137.7907% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 916 |
| Noncurrent loans to loans | 0.6261% | 1,355 |
| Net loans and leases to total assets | 70.3203% | 1,272 |
| Net loans and leases to deposits | 76.7381% | 1,633 |
| Net loans and leases to core deposits | 84.0586% | 1,447 |
| Total domestic deposits to total assets | 91.6367% | 983 |
| Equity capital to assets | 7.9904% | 3,135 |
| Core capital (leverage) ratio | 8.1472% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8574% | 2,118 |
| Memoranda: | ||
| Average total assets | $270,871,000 | 2,642 |
| Average earning assets | $259,664,000 | 2,600 |
| Average equity | $21,458,667 | 2,946 |
| Average total loans | $176,296,333 | 2,405 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0621% | 3,074 |
| Cost of funding earning assets | 0.2017% | 2,774 |
| Net interest margin | 2.8605% | 2,958 |
| Noninterest income to average assets | 0.2881% | 3,398 |
| Noninterest expense to average assets | 1.8748% | 3,739 |
| Loan and lease loss provision to assets | 0.0295% | 1,836 |
| Net operating income to assets | 0.8480% | 2,491 |
| Return on assets (ROA) | 0.8480% | 2,483 |
| Pretax return on assets | 1.1287% | 2,053 |
| Return on Equity (ROE) | 10.7506% | 1,707 |
| Retained earnings to average equity (ytd only) | 6.0683% | 2,230 |
| Net charge-offs to loans | 0.1022% | 510 |
| Credit loss provision to net charge-offs | 46.5116% | 1,209 |
| Earnings coverage of net charge-offs (x) | 18.2326% | 1,309 |
| Efficiency ratio | 61.8120% | 3,286 |
| Assets per employee ($millions) | 6.3153% | 2,541 |
| Cash dividends to net income (ytd only)* | 43.5540% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 3,832 |
| Loan loss allowance to noncurrent loans | 152.6266% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 1,114 |
| Noncurrent loans to loans | 0.6362% | 1,477 |
| Net loans and leases to total assets | 58.6504% | 2,222 |
| Net loans and leases to deposits | 63.8709% | 2,540 |
| Net loans and leases to core deposits | 70.2585% | 2,273 |
| Total domestic deposits to total assets | 91.8265% | 648 |
| Equity capital to assets | 7.6877% | 3,806 |
| Core capital (leverage) ratio | 7.7267% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4295% | 1,662 |
| Memoranda: | ||
| Average total assets | $270,756,000 | 2,659 |
| Average earning assets | $259,818,000 | 2,610 |
| Average equity | $21,357,000 | 3,028 |
| Average total loans | $168,295,500 | 2,471 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5976% | 2,396 |
| Cost of funding earning assets | 0.2836% | 2,563 |
| Net interest margin | 3.3140% | 2,272 |
| Noninterest income to average assets | 0.3900% | 3,103 |
| Noninterest expense to average assets | 1.9697% | 3,767 |
| Loan and lease loss provision to assets | 0.0488% | 2,079 |
| Net operating income to assets | 1.1601% | 2,062 |
| Return on assets (ROA) | 1.1601% | 2,122 |
| Pretax return on assets | 1.5484% | 1,573 |
| Return on Equity (ROE) | 14.0841% | 1,164 |
| Retained earnings to average equity (ytd only) | 9.1423% | 1,157 |
| Net charge-offs to loans | 0.0096% | 2,212 |
| Credit loss provision to net charge-offs | 750.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 245.2500% | 468 |
| Efficiency ratio | 55.2208% | 3,795 |
| Assets per employee ($millions) | 6.1312% | 2,628 |
| Cash dividends to net income (ytd only)* | 35.0877% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 3,957 |
| Loan loss allowance to noncurrent loans | 124.1194% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 1,047 |
| Noncurrent loans to loans | 0.7592% | 1,336 |
| Net loans and leases to total assets | 64.6332% | 1,633 |
| Net loans and leases to deposits | 70.6174% | 2,060 |
| Net loans and leases to core deposits | 77.7616% | 1,781 |
| Total domestic deposits to total assets | 91.5259% | 308 |
| Equity capital to assets | 8.0989% | 4,308 |
| Core capital (leverage) ratio | 8.0325% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4605% | 2,062 |
| Memoranda: | ||
| Average total assets | $245,671,200 | 2,759 |
| Average earning assets | $235,517,600 | 2,708 |
| Average equity | $20,235,600 | 3,196 |
| Average total loans | $166,580,000 | 2,496 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6337% | 2,466 |
| Cost of funding earning assets | 0.3040% | 2,557 |
| Net interest margin | 3.3297% | 2,339 |
| Noninterest income to average assets | 0.3892% | 3,152 |
| Noninterest expense to average assets | 1.9559% | 3,798 |
| Loan and lease loss provision to assets | 0.0498% | 2,001 |
| Net operating income to assets | 1.1748% | 2,251 |
| Return on assets (ROA) | 1.1748% | 2,315 |
| Pretax return on assets | 1.5750% | 1,780 |
| Return on Equity (ROE) | 14.1972% | 1,338 |
| Retained earnings to average equity (ytd only) | 9.1864% | 1,622 |
| Net charge-offs to loans | 0.0129% | 1,851 |
| Credit loss provision to net charge-offs | 562.5000% | 724 |
| Earnings coverage of net charge-offs (x) | 183.6875% | 589 |
| Efficiency ratio | 54.6241% | 3,715 |
| Assets per employee ($millions) | 5.9482% | 2,745 |
| Cash dividends to net income (ytd only)* | 35.2941% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 4,105 |
| Loan loss allowance to noncurrent loans | 111.4146% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7139% | 1,037 |
| Noncurrent loans to loans | 0.8249% | 1,385 |
| Net loans and leases to total assets | 67.0572% | 1,421 |
| Net loans and leases to deposits | 73.3553% | 1,922 |
| Net loans and leases to core deposits | 78.2395% | 1,880 |
| Total domestic deposits to total assets | 91.4143% | 254 |
| Equity capital to assets | 8.1627% | 4,432 |
| Core capital (leverage) ratio | 8.2644% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0158% | 2,357 |
| Memoranda: | ||
| Average total assets | $241,179,000 | 2,808 |
| Average earning assets | $231,165,750 | 2,759 |
| Average equity | $19,956,500 | 3,255 |
| Average total loans | $165,220,000 | 2,542 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 2,483 |
| Cost of funding earning assets | 0.3214% | 2,575 |
| Net interest margin | 3.3241% | 2,366 |
| Noninterest income to average assets | 0.3580% | 3,316 |
| Noninterest expense to average assets | 1.9999% | 3,698 |
| Loan and lease loss provision to assets | 0.0508% | 2,020 |
| Net operating income to assets | 1.1011% | 2,544 |
| Return on assets (ROA) | 1.1011% | 2,608 |
| Pretax return on assets | 1.4938% | 2,034 |
| Return on Equity (ROE) | 13.2422% | 1,636 |
| Retained earnings to average equity (ytd only) | 5.6083% | 2,957 |
| Net charge-offs to loans | 0.0221% | 1,504 |
| Credit loss provision to net charge-offs | 333.3333% | 841 |
| Earnings coverage of net charge-offs (x) | 101.3889% | 744 |
| Efficiency ratio | 56.4231% | 3,489 |
| Assets per employee ($millions) | 5.7571% | 2,839 |
| Cash dividends to net income (ytd only)* | 57.6480% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 3,955 |
| Loan loss allowance to noncurrent loans | 102.7009% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 1,058 |
| Noncurrent loans to loans | 0.9373% | 1,318 |
| Net loans and leases to total assets | 64.7934% | 1,853 |
| Net loans and leases to deposits | 71.0709% | 2,292 |
| Net loans and leases to core deposits | 75.5510% | 2,282 |
| Total domestic deposits to total assets | 91.1673% | 319 |
| Equity capital to assets | 8.1073% | 4,476 |
| Core capital (leverage) ratio | 8.4794% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6313% | 2,110 |
| Memoranda: | ||
| Average total assets | $236,314,000 | 2,836 |
| Average earning assets | $226,527,667 | 2,783 |
| Average equity | $19,649,333 | 3,279 |
| Average total loans | $162,591,333 | 2,576 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 2,052 |
| Cost of funding earning assets | 0.3440% | 2,574 |
| Net interest margin | 3.4747% | 1,898 |
| Noninterest income to average assets | 0.3589% | 3,294 |
| Noninterest expense to average assets | 2.0668% | 3,516 |
| Loan and lease loss provision to assets | 0.0520% | 2,062 |
| Net operating income to assets | 1.1565% | 2,312 |
| Return on assets (ROA) | 1.1565% | 2,379 |
| Pretax return on assets | 1.5675% | 1,810 |
| Return on Equity (ROE) | 13.7250% | 1,485 |
| Retained earnings to average equity (ytd only) | 6.5230% | 2,721 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0677% | 3,538 |
| Assets per employee ($millions) | 5.6097% | 3,011 |
| Cash dividends to net income (ytd only)* | 52.4738% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 4,034 |
| Loan loss allowance to noncurrent loans | 103.0646% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 1,105 |
| Noncurrent loans to loans | 0.9170% | 1,474 |
| Net loans and leases to total assets | 68.8180% | 1,426 |
| Net loans and leases to deposits | 75.8699% | 1,925 |
| Net loans and leases to core deposits | 82.1823% | 1,825 |
| Total domestic deposits to total assets | 90.7053% | 508 |
| Equity capital to assets | 8.3104% | 4,268 |
| Core capital (leverage) ratio | 8.2478% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9155% | 2,318 |
| Memoranda: | ||
| Average total assets | $230,693,000 | 2,859 |
| Average earning assets | $220,908,000 | 2,813 |
| Average equity | $19,439,000 | 3,288 |
| Average total loans | $162,907,500 | 2,567 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 1,925 |
| Cost of funding earning assets | 0.6876% | 1,787 |
| Net interest margin | 3.5935% | 2,160 |
| Noninterest income to average assets | 0.3277% | 3,494 |
| Noninterest expense to average assets | 2.0702% | 3,998 |
| Loan and lease loss provision to assets | 0.1229% | 2,831 |
| Net operating income to assets | 1.1983% | 1,561 |
| Return on assets (ROA) | 1.1983% | 1,664 |
| Pretax return on assets | 1.5951% | 1,085 |
| Return on Equity (ROE) | 13.8718% | 846 |
| Retained earnings to average equity (ytd only) | 4.1252% | 2,748 |
| Net charge-offs to loans | 0.1645% | 1,004 |
| Credit loss provision to net charge-offs | 100.7463% | 2,808 |
| Earnings coverage of net charge-offs (x) | 14.0858% | 2,238 |
| Efficiency ratio | 54.6492% | 4,140 |
| Assets per employee ($millions) | 5.3757% | 2,982 |
| Cash dividends to net income (ytd only)* | 70.2621% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 4,090 |
| Loan loss allowance to noncurrent loans | 122.0612% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.0479% | 892 |
| Noncurrent loans to loans | 0.7661% | 1,796 |
| Net loans and leases to total assets | 71.1368% | 1,410 |
| Net loans and leases to deposits | 79.2097% | 1,958 |
| Net loans and leases to core deposits | 85.6118% | 1,902 |
| Total domestic deposits to total assets | 89.8082% | 635 |
| Equity capital to assets | 8.5473% | 4,416 |
| Core capital (leverage) ratio | 8.3878% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4689% | 2,463 |
| Memoranda: | ||
| Average total assets | $219,734,600 | 2,797 |
| Average earning assets | $211,603,600 | 2,738 |
| Average equity | $18,981,000 | 3,282 |
| Average total loans | $162,869,800 | 2,548 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,034 |
| Cost of funding earning assets | 0.7736% | 1,618 |
| Net interest margin | 3.5491% | 2,426 |
| Noninterest income to average assets | 0.3562% | 3,327 |
| Noninterest expense to average assets | 2.0529% | 4,040 |
| Loan and lease loss provision to assets | 0.0857% | 3,240 |
| Net operating income to assets | 1.2336% | 1,540 |
| Return on assets (ROA) | 1.2336% | 1,661 |
| Pretax return on assets | 1.6460% | 1,076 |
| Return on Equity (ROE) | 14.2417% | 831 |
| Retained earnings to average equity (ytd only) | 4.0136% | 3,043 |
| Net charge-offs to loans | 0.0785% | 1,524 |
| Credit loss provision to net charge-offs | 145.8333% | 2,351 |
| Earnings coverage of net charge-offs (x) | 29.5208% | 1,599 |
| Efficiency ratio | 54.2460% | 4,123 |
| Assets per employee ($millions) | 5.2050% | 3,015 |
| Cash dividends to net income (ytd only)* | 71.8177% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 3,876 |
| Loan loss allowance to noncurrent loans | 63.3482% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.3769% | 657 |
| Noncurrent loans to loans | 1.5045% | 950 |
| Net loans and leases to total assets | 74.1149% | 1,357 |
| Net loans and leases to deposits | 82.9928% | 2,020 |
| Net loans and leases to core deposits | 89.5549% | 2,011 |
| Total domestic deposits to total assets | 89.3028% | 648 |
| Equity capital to assets | 8.7495% | 4,293 |
| Core capital (leverage) ratio | 8.5049% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6356% | 2,751 |
| Memoranda: | ||
| Average total assets | $218,223,500 | 2,792 |
| Average earning assets | $210,789,500 | 2,721 |
| Average equity | $18,901,750 | 3,290 |
| Average total loans | $163,055,250 | 2,548 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 2,367 |
| Cost of funding earning assets | 0.8247% | 1,706 |
| Net interest margin | 3.5140% | 2,740 |
| Noninterest income to average assets | 0.2742% | 3,834 |
| Noninterest expense to average assets | 2.0147% | 4,206 |
| Loan and lease loss provision to assets | 0.1009% | 3,009 |
| Net operating income to assets | 1.1600% | 1,764 |
| Return on assets (ROA) | 1.1600% | 1,893 |
| Pretax return on assets | 1.5580% | 1,325 |
| Return on Equity (ROE) | 13.4384% | 991 |
| Retained earnings to average equity (ytd only) | 3.8775% | 2,969 |
| Net charge-offs to loans | 0.0835% | 1,412 |
| Credit loss provision to net charge-offs | 161.7647% | 2,073 |
| Earnings coverage of net charge-offs (x) | 26.6029% | 1,518 |
| Efficiency ratio | 54.8427% | 4,081 |
| Assets per employee ($millions) | 5.0360% | 3,126 |
| Cash dividends to net income (ytd only)* | 71.1462% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 3,870 |
| Loan loss allowance to noncurrent loans | 49.2099% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.5475% | 591 |
| Noncurrent loans to loans | 1.8946% | 726 |
| Net loans and leases to total assets | 76.4015% | 1,074 |
| Net loans and leases to deposits | 85.5257% | 1,825 |
| Net loans and leases to core deposits | 93.6994% | 1,770 |
| Total domestic deposits to total assets | 89.3317% | 634 |
| Equity capital to assets | 8.7593% | 4,302 |
| Core capital (leverage) ratio | 8.6924% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7660% | 2,705 |
| Memoranda: | ||
| Average total assets | $218,095,333 | 2,773 |
| Average earning assets | $210,986,000 | 2,707 |
| Average equity | $18,826,667 | 3,283 |
| Average total loans | $162,880,333 | 2,541 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 2,762 |
| Cost of funding earning assets | 0.8818% | 1,961 |
| Net interest margin | 3.4724% | 3,074 |
| Noninterest income to average assets | 0.3107% | 3,656 |
| Noninterest expense to average assets | 1.9994% | 4,394 |
| Loan and lease loss provision to assets | 0.0548% | 3,080 |
| Net operating income to assets | 1.2391% | 1,409 |
| Return on assets (ROA) | 1.2391% | 1,511 |
| Pretax return on assets | 1.6174% | 1,013 |
| Return on Equity (ROE) | 14.4594% | 616 |
| Retained earnings to average equity (ytd only) | 8.0614% | 1,215 |
| Net charge-offs to loans | 0.1617% | 811 |
| Credit loss provision to net charge-offs | 46.1538% | 2,069 |
| Earnings coverage of net charge-offs (x) | 14.0769% | 1,620 |
| Efficiency ratio | 54.4550% | 4,365 |
| Assets per employee ($millions) | 5.1123% | 2,527 |
| Cash dividends to net income (ytd only)* | 44.2478% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 4,024 |
| Loan loss allowance to noncurrent loans | 44.6456% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.6708% | 596 |
| Noncurrent loans to loans | 2.0688% | 670 |
| Net loans and leases to total assets | 75.7410% | 1,346 |
| Net loans and leases to deposits | 84.5059% | 2,169 |
| Net loans and leases to core deposits | 93.7150% | 2,001 |
| Total domestic deposits to total assets | 89.6281% | 435 |
| Equity capital to assets | 9.0733% | 4,559 |
| Core capital (leverage) ratio | 8.6635% | 4,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0339% | 2,676 |
| Memoranda: | ||
| Average total assets | $218,869,000 | 2,722 |
| Average earning assets | $211,839,500 | 2,646 |
| Average equity | $18,756,000 | 3,292 |
| Average total loans | $160,819,000 | 2,534 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 2,969 |
| Cost of funding earning assets | 0.8881% | 2,242 |
| Net interest margin | 3.6057% | 3,119 |
| Noninterest income to average assets | 0.3111% | 3,834 |
| Noninterest expense to average assets | 2.1333% | 4,302 |
| Loan and lease loss provision to assets | 0.1029% | 2,010 |
| Net operating income to assets | 1.1416% | 2,285 |
| Return on assets (ROA) | 1.1416% | 2,385 |
| Pretax return on assets | 1.5443% | 1,674 |
| Return on Equity (ROE) | 12.4958% | 1,330 |
| Retained earnings to average equity (ytd only) | 0.6972% | 4,491 |
| Net charge-offs to loans | 0.0154% | 3,166 |
| Credit loss provision to net charge-offs | 875.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 140.0833% | 519 |
| Efficiency ratio | 56.4282% | 4,152 |
| Assets per employee ($millions) | 5.4317% | 2,125 |
| Cash dividends to net income (ytd only)* | 94.4206% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 3,789 |
| Loan loss allowance to noncurrent loans | 39.6597% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.6902% | 550 |
| Noncurrent loans to loans | 2.3668% | 489 |
| Net loans and leases to total assets | 70.0846% | 2,385 |
| Net loans and leases to deposits | 77.2493% | 3,074 |
| Net loans and leases to core deposits | 84.7851% | 2,889 |
| Total domestic deposits to total assets | 90.7251% | 160 |
| Equity capital to assets | 8.1067% | 5,038 |
| Core capital (leverage) ratio | 8.5029% | 4,843 |
| Tier 1 risk-based capital ratio | 12.1064% | 4,302 |
| Total risk-based capital ratio | 13.1031% | 4,320 |
| Memoranda: | ||
| Average total assets | $204,101,600 | 2,809 |
| Average earning assets | $196,381,800 | 2,738 |
| Average equity | $18,646,200 | 3,264 |
| Average total loans | $155,485,600 | 2,565 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 2,804 |
| Cost of funding earning assets | 0.8783% | 2,329 |
| Net interest margin | 3.6988% | 2,928 |
| Noninterest income to average assets | 0.3217% | 3,819 |
| Noninterest expense to average assets | 2.1343% | 4,303 |
| Loan and lease loss provision to assets | 0.1211% | 1,616 |
| Net operating income to assets | 1.1960% | 2,204 |
| Return on assets (ROA) | 1.1960% | 2,285 |
| Pretax return on assets | 1.6180% | 1,575 |
| Return on Equity (ROE) | 12.6806% | 1,392 |
| Retained earnings to average equity (ytd only) | 6.2582% | 2,241 |
| Net charge-offs to loans | 0.0199% | 2,711 |
| Credit loss provision to net charge-offs | 782.6087% | 441 |
| Earnings coverage of net charge-offs (x) | 112.3329% | 690 |
| Efficiency ratio | 55.0999% | 4,271 |
| Assets per employee ($millions) | 4.9382% | 2,627 |
| Cash dividends to net income (ytd only)* | 50.6472% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 3,847 |
| Loan loss allowance to noncurrent loans | 36.7367% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.9677% | 450 |
| Noncurrent loans to loans | 2.5731% | 439 |
| Net loans and leases to total assets | 75.0800% | 1,635 |
| Net loans and leases to deposits | 83.7122% | 2,489 |
| Net loans and leases to core deposits | 92.9399% | 2,274 |
| Total domestic deposits to total assets | 89.6882% | 375 |
| Equity capital to assets | 9.2756% | 4,614 |
| Core capital (leverage) ratio | 9.4378% | 4,236 |
| Tier 1 risk-based capital ratio | 12.7832% | 3,968 |
| Total risk-based capital ratio | 13.7751% | 4,005 |
| Memoranda: | ||
| Average total assets | $198,093,750 | 2,879 |
| Average earning assets | $190,219,500 | 2,816 |
| Average equity | $18,684,250 | 3,283 |
| Average total loans | $154,006,750 | 2,608 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5552% | 2,826 |
| Cost of funding earning assets | 0.8400% | 2,445 |
| Net interest margin | 3.7152% | 2,888 |
| Noninterest income to average assets | 0.3036% | 3,898 |
| Noninterest expense to average assets | 2.1806% | 4,268 |
| Loan and lease loss provision to assets | 0.1539% | 1,184 |
| Net operating income to assets | 1.1139% | 2,470 |
| Return on assets (ROA) | 1.1139% | 2,544 |
| Pretax return on assets | 1.5303% | 1,757 |
| Return on Equity (ROE) | 11.7407% | 1,678 |
| Retained earnings to average equity (ytd only) | 5.2541% | 2,639 |
| Net charge-offs to loans | 0.0301% | 2,252 |
| Credit loss provision to net charge-offs | 652.1739% | 494 |
| Earnings coverage of net charge-offs (x) | 71.3913% | 882 |
| Efficiency ratio | 56.4225% | 4,199 |
| Assets per employee ($millions) | 4.7445% | 2,813 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 3,848 |
| Loan loss allowance to noncurrent loans | 44.1748% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.6721% | 636 |
| Noncurrent loans to loans | 2.1665% | 629 |
| Net loans and leases to total assets | 75.6146% | 1,610 |
| Net loans and leases to deposits | 85.4925% | 2,314 |
| Net loans and leases to core deposits | 94.5063% | 2,208 |
| Total domestic deposits to total assets | 88.4459% | 900 |
| Equity capital to assets | 9.4640% | 4,439 |
| Core capital (leverage) ratio | 9.6191% | 4,012 |
| Tier 1 risk-based capital ratio | 12.9166% | 3,880 |
| Total risk-based capital ratio | 13.9192% | 3,931 |
| Memoranda: | ||
| Average total assets | $194,990,330 | 2,914 |
| Average earning assets | $186,906,330 | 2,859 |
| Average equity | $18,499,670 | 3,295 |
| Average total loans | $152,940,670 | 2,627 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5332% | 2,754 |
| Cost of funding earning assets | 0.8173% | 2,440 |
| Net interest margin | 3.7159% | 2,832 |
| Noninterest income to average assets | 0.2987% | 3,883 |
| Noninterest expense to average assets | 2.1986% | 4,260 |
| Loan and lease loss provision to assets | 0.2489% | 585 |
| Net operating income to assets | 1.0060% | 2,819 |
| Return on assets (ROA) | 1.0060% | 2,860 |
| Pretax return on assets | 1.4063% | 2,063 |
| Return on Equity (ROE) | 10.5895% | 2,123 |
| Retained earnings to average equity (ytd only) | 4.0393% | 3,304 |
| Net charge-offs to loans | 0.0652% | 1,394 |
| Credit loss provision to net charge-offs | 480.0000% | 626 |
| Earnings coverage of net charge-offs (x) | 31.9200% | 1,295 |
| Efficiency ratio | 57.0506% | 4,214 |
| Assets per employee ($millions) | 4.5847% | 3,066 |
| Cash dividends to net income (ytd only)* | 61.8557% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 4,057 |
| Loan loss allowance to noncurrent loans | 43.6715% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.7133% | 639 |
| Noncurrent loans to loans | 2.1160% | 686 |
| Net loans and leases to total assets | 79.3421% | 932 |
| Net loans and leases to deposits | 89.8662% | 1,650 |
| Net loans and leases to core deposits | 98.0698% | 1,768 |
| Total domestic deposits to total assets | 88.2891% | 1,198 |
| Equity capital to assets | 9.5775% | 4,184 |
| Core capital (leverage) ratio | 9.4772% | 4,160 |
| Tier 1 risk-based capital ratio | 12.5267% | 4,153 |
| Total risk-based capital ratio | 13.4938% | 4,196 |
| Memoranda: | ||
| Average total assets | $192,850,000 | 2,967 |
| Average earning assets | $184,506,000 | 2,907 |
| Average equity | $18,320,000 | 3,326 |
| Average total loans | $153,344,000 | 2,655 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 3,121 |
| Cost of funding earning assets | 0.6074% | 2,666 |
| Net interest margin | 3.6896% | 3,076 |
| Noninterest income to average assets | 0.3518% | 3,751 |
| Noninterest expense to average assets | 2.1716% | 4,404 |
| Loan and lease loss provision to assets | 0.2212% | 813 |
| Net operating income to assets | 1.1424% | 2,423 |
| Return on assets (ROA) | 1.1424% | 2,423 |
| Pretax return on assets | 1.5006% | 1,781 |
| Return on Equity (ROE) | 11.8715% | 1,761 |
| Retained earnings to average equity (ytd only) | -0.1697% | 5,009 |
| Net charge-offs to loans | 0.3139% | 620 |
| Credit loss provision to net charge-offs | 89.3617% | 2,730 |
| Earnings coverage of net charge-offs (x) | 6.9553% | 3,031 |
| Efficiency ratio | 55.7765% | 4,436 |
| Assets per employee ($millions) | 4.4917% | 3,188 |
| Cash dividends to net income (ytd only)* | 101.4292% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 4,291 |
| Loan loss allowance to noncurrent loans | 41.5442% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.6749% | 647 |
| Noncurrent loans to loans | 2.0979% | 632 |
| Net loans and leases to total assets | 78.2608% | 1,233 |
| Net loans and leases to deposits | 89.0400% | 1,922 |
| Net loans and leases to core deposits | 97.6536% | 1,891 |
| Total domestic deposits to total assets | 87.8940% | 1,347 |
| Equity capital to assets | 9.4220% | 4,194 |
| Core capital (leverage) ratio | 9.5229% | 4,091 |
| Tier 1 risk-based capital ratio | 12.5148% | 4,124 |
| Total risk-based capital ratio | 13.4250% | 4,195 |
| Memoranda: | ||
| Average total assets | $189,860,000 | 2,964 |
| Average earning assets | $182,240,000 | 2,895 |
| Average equity | $18,270,600 | 3,268 |
| Average total loans | $149,749,200 | 2,642 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2171% | 3,257 |
| Cost of funding earning assets | 0.5513% | 2,856 |
| Net interest margin | 3.6659% | 3,144 |
| Noninterest income to average assets | 0.3371% | 3,904 |
| Noninterest expense to average assets | 2.1335% | 4,480 |
| Loan and lease loss provision to assets | 0.1234% | 1,630 |
| Net operating income to assets | 1.1800% | 2,320 |
| Return on assets (ROA) | 1.1800% | 2,323 |
| Pretax return on assets | 1.6025% | 1,577 |
| Return on Equity (ROE) | 12.1966% | 1,725 |
| Retained earnings to average equity (ytd only) | -1.6549% | 5,172 |
| Net charge-offs to loans | 0.0313% | 2,465 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 69.9076% | 959 |
| Efficiency ratio | 55.2814% | 4,477 |
| Assets per employee ($millions) | 4.5045% | 3,122 |
| Cash dividends to net income (ytd only)* | 113.5685% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 3,744 |
| Loan loss allowance to noncurrent loans | 37.8709% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 2.1285% | 486 |
| Noncurrent loans to loans | 2.6461% | 469 |
| Net loans and leases to total assets | 79.3188% | 1,118 |
| Net loans and leases to deposits | 90.7378% | 1,801 |
| Net loans and leases to core deposits | 97.6846% | 1,966 |
| Total domestic deposits to total assets | 87.4154% | 1,538 |
| Equity capital to assets | 9.4788% | 4,098 |
| Core capital (leverage) ratio | 9.6403% | 3,999 |
| Tier 1 risk-based capital ratio | 12.3392% | 4,291 |
| Total risk-based capital ratio | 13.3762% | 4,320 |
| Memoranda: | ||
| Average total assets | $189,039,000 | 2,993 |
| Average earning assets | $181,635,250 | 2,929 |
| Average equity | $18,288,750 | 3,283 |
| Average total loans | $149,065,250 | 2,670 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 3,382 |
| Cost of funding earning assets | 0.4982% | 3,018 |
| Net interest margin | 3.6217% | 3,228 |
| Noninterest income to average assets | 0.3058% | 4,128 |
| Noninterest expense to average assets | 2.0964% | 4,615 |
| Loan and lease loss provision to assets | 0.1534% | 1,229 |
| Net operating income to assets | 1.1398% | 2,434 |
| Return on assets (ROA) | 1.1398% | 2,442 |
| Pretax return on assets | 1.5408% | 1,681 |
| Return on Equity (ROE) | 11.7019% | 1,841 |
| Retained earnings to average equity (ytd only) | 5.1827% | 2,981 |
| Net charge-offs to loans | 0.0216% | 2,449 |
| Credit loss provision to net charge-offs | 906.2500% | 444 |
| Earnings coverage of net charge-offs (x) | 100.0625% | 697 |
| Efficiency ratio | 55.3043% | 4,556 |
| Assets per employee ($millions) | 4.5687% | 3,016 |
| Cash dividends to net income (ytd only)* | 55.7103% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,678 |
| Loan loss allowance to noncurrent loans | 33.8192% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 2.3890% | 377 |
| Noncurrent loans to loans | 3.0333% | 373 |
| Net loans and leases to total assets | 77.6724% | 1,368 |
| Net loans and leases to deposits | 87.3611% | 2,176 |
| Net loans and leases to core deposits | 94.0144% | 2,218 |
| Total domestic deposits to total assets | 88.9096% | 969 |
| Equity capital to assets | 9.9586% | 3,668 |
| Core capital (leverage) ratio | 10.0284% | 3,550 |
| Tier 1 risk-based capital ratio | 13.1782% | 3,805 |
| Total risk-based capital ratio | 14.2363% | 3,822 |
| Memoranda: | ||
| Average total assets | $188,988,330 | 3,014 |
| Average earning assets | $181,846,670 | 2,940 |
| Average equity | $18,407,330 | 3,284 |
| Average total loans | $148,226,000 | 2,688 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 3,718 |
| Cost of funding earning assets | 0.4750% | 3,006 |
| Net interest margin | 3.4960% | 3,552 |
| Noninterest income to average assets | 0.3161% | 4,039 |
| Noninterest expense to average assets | 2.0756% | 4,712 |
| Loan and lease loss provision to assets | 0.2423% | 627 |
| Net operating income to assets | 0.9820% | 2,930 |
| Return on assets (ROA) | 0.9820% | 2,960 |
| Pretax return on assets | 1.3634% | 2,134 |
| Return on Equity (ROE) | 10.1947% | 2,336 |
| Retained earnings to average equity (ytd only) | 3.6316% | 3,748 |
| Net charge-offs to loans | 0.0107% | 2,358 |
| Credit loss provision to net charge-offs | 2,875.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 190.5000% | 350 |
| Efficiency ratio | 56.3824% | 4,533 |
| Assets per employee ($millions) | 4.7625% | 2,779 |
| Cash dividends to net income (ytd only)* | 64.3777% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 3,883 |
| Loan loss allowance to noncurrent loans | 49.2237% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 1.6021% | 844 |
| Noncurrent loans to loans | 2.0541% | 764 |
| Net loans and leases to total assets | 76.5763% | 1,442 |
| Net loans and leases to deposits | 85.7782% | 2,190 |
| Net loans and leases to core deposits | 92.1354% | 2,289 |
| Total domestic deposits to total assets | 89.2724% | 975 |
| Equity capital to assets | 9.6284% | 3,962 |
| Core capital (leverage) ratio | 9.6857% | 3,866 |
| Tier 1 risk-based capital ratio | 12.8349% | 4,046 |
| Total risk-based capital ratio | 13.8703% | 4,068 |
| Memoranda: | ||
| Average total assets | $189,825,000 | 3,037 |
| Average earning assets | $182,724,000 | 2,969 |
| Average equity | $18,284,000 | 3,328 |
| Average total loans | $148,839,000 | 2,699 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 2,974 |
| Cost of funding earning assets | 0.3983% | 3,272 |
| Net interest margin | 3.7243% | 2,700 |
| Noninterest income to average assets | 0.3464% | 3,986 |
| Noninterest expense to average assets | 2.0364% | 4,900 |
| Loan and lease loss provision to assets | 0.0594% | 3,049 |
| Net operating income to assets | 1.1579% | 1,650 |
| Return on assets (ROA) | 1.1579% | 1,682 |
| Pretax return on assets | 1.8276% | 736 |
| Return on Equity (ROE) | 12.0555% | 1,200 |
| Retained earnings to average equity (ytd only) | 4.8930% | 2,194 |
| Net charge-offs to loans | 0.0241% | 3,326 |
| Credit loss provision to net charge-offs | 323.5294% | 890 |
| Earnings coverage of net charge-offs (x) | 102.8529% | 638 |
| Efficiency ratio | 51.9048% | 5,106 |
| Assets per employee ($millions) | 4.6134% | 3,009 |
| Cash dividends to net income (ytd only)* | 59.4129% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 4,381 |
| Loan loss allowance to noncurrent loans | 78.5755% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 0.9410% | 1,649 |
| Noncurrent loans to loans | 1.1676% | 1,520 |
| Net loans and leases to total assets | 78.7371% | 1,178 |
| Net loans and leases to deposits | 88.0000% | 2,020 |
| Net loans and leases to core deposits | 94.3354% | 2,165 |
| Total domestic deposits to total assets | 89.4740% | 790 |
| Equity capital to assets | 9.6357% | 4,103 |
| Core capital (leverage) ratio | 9.5995% | 3,916 |
| Tier 1 risk-based capital ratio | 12.5763% | 4,163 |
| Total risk-based capital ratio | 13.5245% | 4,258 |
| Memoranda: | ||
| Average total assets | $185,328,200 | 3,064 |
| Average earning assets | $177,991,200 | 2,983 |
| Average equity | $17,801,000 | 3,393 |
| Average total loans | $140,885,400 | 2,766 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 3,046 |
| Cost of funding earning assets | 0.3730% | 3,439 |
| Net interest margin | 3.7087% | 2,726 |
| Noninterest income to average assets | 0.3160% | 4,276 |
| Noninterest expense to average assets | 2.0140% | 4,922 |
| Loan and lease loss provision to assets | 0.0579% | 2,929 |
| Net operating income to assets | 1.1419% | 1,909 |
| Return on assets (ROA) | 1.1419% | 1,959 |
| Pretax return on assets | 1.8035% | 885 |
| Return on Equity (ROE) | 11.8978% | 1,365 |
| Retained earnings to average equity (ytd only) | 4.5511% | 3,186 |
| Net charge-offs to loans | 0.0096% | 3,386 |
| Credit loss provision to net charge-offs | 800.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 257.4576% | 345 |
| Efficiency ratio | 51.9687% | 5,100 |
| Assets per employee ($millions) | 4.5088% | 3,121 |
| Cash dividends to net income (ytd only)* | 61.7481% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 4,380 |
| Loan loss allowance to noncurrent loans | 84.2848% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 1,998 |
| Noncurrent loans to loans | 1.1145% | 1,726 |
| Net loans and leases to total assets | 76.4575% | 1,509 |
| Net loans and leases to deposits | 85.3782% | 2,385 |
| Net loans and leases to core deposits | 91.4157% | 2,500 |
| Total domestic deposits to total assets | 89.5516% | 643 |
| Equity capital to assets | 9.5116% | 4,433 |
| Core capital (leverage) ratio | 9.7276% | 3,902 |
| Tier 1 risk-based capital ratio | 12.5524% | 4,287 |
| Total risk-based capital ratio | 13.5086% | 4,360 |
| Memoranda: | ||
| Average total assets | $184,372,500 | 3,099 |
| Average earning assets | $176,949,750 | 3,020 |
| Average equity | $17,694,750 | 3,435 |
| Average total loans | $138,529,000 | 2,821 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 3,157 |
| Cost of funding earning assets | 0.3477% | 3,605 |
| Net interest margin | 3.6675% | 2,762 |
| Noninterest income to average assets | 0.2879% | 4,495 |
| Noninterest expense to average assets | 2.0328% | 4,902 |
| Loan and lease loss provision to assets | 0.0547% | 2,879 |
| Net operating income to assets | 1.1001% | 1,972 |
| Return on assets (ROA) | 1.1001% | 2,025 |
| Pretax return on assets | 1.7219% | 1,006 |
| Return on Equity (ROE) | 11.4276% | 1,489 |
| Retained earnings to average equity (ytd only) | 3.7523% | 3,463 |
| Net charge-offs to loans | 0.0029% | 3,394 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 811.5000% | 91 |
| Efficiency ratio | 53.3621% | 5,067 |
| Assets per employee ($millions) | 4.4905% | 3,123 |
| Cash dividends to net income (ytd only)* | 67.1642% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 4,509 |
| Loan loss allowance to noncurrent loans | 154.4000% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 3,202 |
| Noncurrent loans to loans | 0.6031% | 2,918 |
| Net loans and leases to total assets | 78.0696% | 1,240 |
| Net loans and leases to deposits | 88.3549% | 1,944 |
| Net loans and leases to core deposits | 93.1517% | 2,231 |
| Total domestic deposits to total assets | 88.3591% | 1,272 |
| Equity capital to assets | 9.6339% | 4,284 |
| Core capital (leverage) ratio | 9.8505% | 3,716 |
| Tier 1 risk-based capital ratio | 12.5987% | 4,241 |
| Total risk-based capital ratio | 13.5577% | 4,311 |
| Memoranda: | ||
| Average total assets | $182,707,330 | 3,124 |
| Average earning assets | $175,433,670 | 3,042 |
| Average equity | $17,589,000 | 3,457 |
| Average total loans | $135,985,670 | 2,856 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 3,361 |
| Cost of funding earning assets | 0.3392% | 3,643 |
| Net interest margin | 3.5729% | 2,990 |
| Noninterest income to average assets | 0.3165% | 4,289 |
| Noninterest expense to average assets | 2.0461% | 4,946 |
| Loan and lease loss provision to assets | 0.0440% | 2,918 |
| Net operating income to assets | 1.0615% | 2,024 |
| Return on assets (ROA) | 1.0615% | 2,063 |
| Pretax return on assets | 1.6527% | 1,116 |
| Return on Equity (ROE) | 11.0305% | 1,555 |
| Retained earnings to average equity (ytd only) | 5.3212% | 2,725 |
| Net charge-offs to loans | -0.0030% | 4,064 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6682% | 5,073 |
| Assets per employee ($millions) | 4.6663% | 2,892 |
| Cash dividends to net income (ytd only)* | 51.7598% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 4,297 |
| Loan loss allowance to noncurrent loans | 59.8553% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.2523% | 1,375 |
| Noncurrent loans to loans | 1.6688% | 1,156 |
| Net loans and leases to total assets | 72.1107% | 2,056 |
| Net loans and leases to deposits | 80.6824% | 2,658 |
| Net loans and leases to core deposits | 84.9176% | 2,821 |
| Total domestic deposits to total assets | 89.3760% | 962 |
| Equity capital to assets | 9.6888% | 4,079 |
| Core capital (leverage) ratio | 9.6037% | 3,990 |
| Tier 1 risk-based capital ratio | 13.4422% | 3,807 |
| Total risk-based capital ratio | 14.4504% | 3,870 |
| Memoranda: | ||
| Average total assets | $182,006,000 | 3,162 |
| Average earning assets | $174,534,000 | 3,082 |
| Average equity | $17,515,000 | 3,482 |
| Average total loans | $131,436,000 | 2,938 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 3,496 |
| Cost of funding earning assets | 0.3414% | 3,616 |
| Net interest margin | 3.5786% | 3,145 |
| Noninterest income to average assets | 0.3424% | 4,289 |
| Noninterest expense to average assets | 2.0410% | 5,111 |
| Loan and lease loss provision to assets | 0.0443% | 3,501 |
| Net operating income to assets | 1.0996% | 1,908 |
| Return on assets (ROA) | 1.0996% | 1,996 |
| Pretax return on assets | 1.6898% | 1,026 |
| Return on Equity (ROE) | 11.7394% | 1,333 |
| Retained earnings to average equity (ytd only) | 5.5390% | 1,993 |
| Net charge-offs to loans | 0.0177% | 3,715 |
| Credit loss provision to net charge-offs | 347.8261% | 879 |
| Earnings coverage of net charge-offs (x) | 136.3043% | 460 |
| Efficiency ratio | 54.0659% | 5,237 |
| Assets per employee ($millions) | 4.4397% | 3,207 |
| Cash dividends to net income (ytd only)* | 52.8169% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 4,333 |
| Loan loss allowance to noncurrent loans | 198.9313% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 3,683 |
| Noncurrent loans to loans | 0.5026% | 3,346 |
| Net loans and leases to total assets | 70.8765% | 2,352 |
| Net loans and leases to deposits | 79.1858% | 2,977 |
| Net loans and leases to core deposits | 83.8201% | 3,042 |
| Total domestic deposits to total assets | 89.5066% | 857 |
| Equity capital to assets | 9.5579% | 4,212 |
| Core capital (leverage) ratio | 9.5402% | 4,028 |
| Tier 1 risk-based capital ratio | 13.6950% | 3,654 |
| Total risk-based capital ratio | 14.7193% | 3,683 |
| Memoranda: | ||
| Average total assets | $180,790,000 | 3,155 |
| Average earning assets | $173,421,200 | 3,075 |
| Average equity | $16,934,400 | 3,561 |
| Average total loans | $130,015,800 | 2,922 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 3,531 |
| Cost of funding earning assets | 0.3399% | 3,652 |
| Net interest margin | 3.5750% | 3,179 |
| Noninterest income to average assets | 0.3191% | 4,489 |
| Noninterest expense to average assets | 2.0353% | 5,136 |
| Loan and lease loss provision to assets | 0.0554% | 3,144 |
| Net operating income to assets | 1.0719% | 2,108 |
| Return on assets (ROA) | 1.0719% | 2,221 |
| Pretax return on assets | 1.6629% | 1,216 |
| Return on Equity (ROE) | 11.5029% | 1,488 |
| Retained earnings to average equity (ytd only) | 5.1609% | 2,719 |
| Net charge-offs to loans | 0.0236% | 3,202 |
| Credit loss provision to net charge-offs | 326.0870% | 975 |
| Earnings coverage of net charge-offs (x) | 101.1171% | 649 |
| Efficiency ratio | 54.2216% | 5,223 |
| Assets per employee ($millions) | 4.2773% | 3,453 |
| Cash dividends to net income (ytd only)* | 55.1343% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 4,323 |
| Loan loss allowance to noncurrent loans | 186.2267% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 3,720 |
| Noncurrent loans to loans | 0.5451% | 3,363 |
| Net loans and leases to total assets | 70.4505% | 2,427 |
| Net loans and leases to deposits | 78.9839% | 3,082 |
| Net loans and leases to core deposits | 84.0174% | 3,118 |
| Total domestic deposits to total assets | 89.1961% | 801 |
| Equity capital to assets | 9.5631% | 4,597 |
| Core capital (leverage) ratio | 9.5542% | 4,109 |
| Tier 1 risk-based capital ratio | 13.6966% | 3,745 |
| Total risk-based capital ratio | 14.7343% | 3,780 |
| Memoranda: | ||
| Average total assets | $180,480,500 | 3,172 |
| Average earning assets | $173,384,000 | 3,087 |
| Average equity | $16,818,500 | 3,604 |
| Average total loans | $129,940,250 | 2,930 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 3,592 |
| Cost of funding earning assets | 0.3374% | 3,725 |
| Net interest margin | 3.5672% | 3,225 |
| Noninterest income to average assets | 0.3153% | 4,523 |
| Noninterest expense to average assets | 2.0281% | 5,215 |
| Loan and lease loss provision to assets | 0.0609% | 2,921 |
| Net operating income to assets | 1.0600% | 2,125 |
| Return on assets (ROA) | 1.0600% | 2,251 |
| Pretax return on assets | 1.6541% | 1,212 |
| Return on Equity (ROE) | 11.4744% | 1,483 |
| Retained earnings to average equity (ytd only) | 4.8868% | 2,803 |
| Net charge-offs to loans | 0.0352% | 2,747 |
| Credit loss provision to net charge-offs | 239.1304% | 1,144 |
| Earnings coverage of net charge-offs (x) | 67.3913% | 804 |
| Efficiency ratio | 54.1827% | 5,295 |
| Assets per employee ($millions) | 4.4634% | 3,097 |
| Cash dividends to net income (ytd only)* | 57.4113% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 4,673 |
| Loan loss allowance to noncurrent loans | 252.5692% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 4,248 |
| Noncurrent loans to loans | 0.3839% | 3,983 |
| Net loans and leases to total assets | 71.3337% | 2,278 |
| Net loans and leases to deposits | 79.6748% | 2,971 |
| Net loans and leases to core deposits | 85.4409% | 2,946 |
| Total domestic deposits to total assets | 89.5311% | 668 |
| Equity capital to assets | 9.2596% | 5,012 |
| Core capital (leverage) ratio | 9.3206% | 4,432 |
| Tier 1 risk-based capital ratio | 13.6026% | 3,835 |
| Total risk-based capital ratio | 14.6319% | 3,880 |
| Memoranda: | ||
| Average total assets | $180,758,000 | 3,191 |
| Average earning assets | $173,694,330 | 3,101 |
| Average equity | $16,698,000 | 3,627 |
| Average total loans | $130,633,330 | 2,924 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8338% | 3,828 |
| Cost of funding earning assets | 0.3369% | 3,758 |
| Net interest margin | 3.4968% | 3,490 |
| Noninterest income to average assets | 0.3296% | 4,374 |
| Noninterest expense to average assets | 2.0085% | 5,316 |
| Loan and lease loss provision to assets | 0.0557% | 2,832 |
| Net operating income to assets | 1.0466% | 2,098 |
| Return on assets (ROA) | 1.0466% | 2,209 |
| Pretax return on assets | 1.6166% | 1,256 |
| Return on Equity (ROE) | 11.3427% | 1,490 |
| Retained earnings to average equity (ytd only) | 4.1027% | 3,439 |
| Net charge-offs to loans | 0.0523% | 2,004 |
| Credit loss provision to net charge-offs | 147.0588% | 1,288 |
| Earnings coverage of net charge-offs (x) | 44.1765% | 955 |
| Efficiency ratio | 54.5675% | 5,333 |
| Assets per employee ($millions) | 4.2923% | 3,420 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 4,733 |
| Loan loss allowance to noncurrent loans | 276.8212% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 4,406 |
| Noncurrent loans to loans | 0.3525% | 4,166 |
| Net loans and leases to total assets | 70.5980% | 2,253 |
| Net loans and leases to deposits | 78.4216% | 2,961 |
| Net loans and leases to core deposits | 85.3865% | 2,802 |
| Total domestic deposits to total assets | 90.0237% | 588 |
| Equity capital to assets | 9.2491% | 4,940 |
| Core capital (leverage) ratio | 9.2290% | 4,565 |
| Tier 1 risk-based capital ratio | 14.1706% | 3,587 |
| Total risk-based capital ratio | 15.2377% | 3,634 |
| Memoranda: | ||
| Average total assets | $179,637,500 | 3,205 |
| Average earning assets | $172,155,000 | 3,131 |
| Average equity | $16,574,500 | 3,649 |
| Average total loans | $130,041,000 | 2,935 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 3,918 |
| Cost of funding earning assets | 0.3141% | 4,089 |
| Net interest margin | 3.5252% | 3,431 |
| Noninterest income to average assets | 0.3540% | 4,374 |
| Noninterest expense to average assets | 2.1595% | 5,135 |
| Loan and lease loss provision to assets | 0.0578% | 3,158 |
| Net operating income to assets | 1.0054% | 2,336 |
| Return on assets (ROA) | 1.0054% | 2,426 |
| Pretax return on assets | 1.5127% | 1,517 |
| Return on Equity (ROE) | 10.7996% | 1,683 |
| Retained earnings to average equity (ytd only) | 4.8965% | 2,497 |
| Net charge-offs to loans | 0.0832% | 2,645 |
| Credit loss provision to net charge-offs | 95.2381% | 2,650 |
| Earnings coverage of net charge-offs (x) | 25.8571% | 1,612 |
| Efficiency ratio | 57.8939% | 5,158 |
| Assets per employee ($millions) | 4.2619% | 3,465 |
| Cash dividends to net income (ytd only)* | 54.6605% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 4,884 |
| Loan loss allowance to noncurrent loans | 268.5345% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 4,399 |
| Noncurrent loans to loans | 0.3527% | 4,203 |
| Net loans and leases to total assets | 72.7997% | 1,920 |
| Net loans and leases to deposits | 80.7808% | 2,733 |
| Net loans and leases to core deposits | 86.2483% | 2,777 |
| Total domestic deposits to total assets | 90.1200% | 583 |
| Equity capital to assets | 9.2040% | 4,905 |
| Core capital (leverage) ratio | 9.2964% | 4,480 |
| Tier 1 risk-based capital ratio | 13.2223% | 4,154 |
| Total risk-based capital ratio | 14.2219% | 4,246 |
| Memoranda: | ||
| Average total assets | $172,864,400 | 3,263 |
| Average earning assets | $165,553,200 | 3,184 |
| Average equity | $16,093,200 | 3,663 |
| Average total loans | $126,264,000 | 2,946 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 4,088 |
| Cost of funding earning assets | 0.3069% | 4,257 |
| Net interest margin | 3.4926% | 3,567 |
| Noninterest income to average assets | 0.3370% | 4,534 |
| Noninterest expense to average assets | 2.1844% | 5,089 |
| Loan and lease loss provision to assets | 0.0311% | 3,616 |
| Net operating income to assets | 0.9728% | 2,612 |
| Return on assets (ROA) | 0.9728% | 2,691 |
| Pretax return on assets | 1.4692% | 1,764 |
| Return on Equity (ROE) | 10.4179% | 1,928 |
| Retained earnings to average equity (ytd only) | 4.5839% | 3,211 |
| Net charge-offs to loans | 0.0107% | 3,804 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 192.8432% | 374 |
| Efficiency ratio | 59.2819% | 4,970 |
| Assets per employee ($millions) | 4.0777% | 3,742 |
| Cash dividends to net income (ytd only)* | 55.9998% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 4,797 |
| Loan loss allowance to noncurrent loans | 100.9449% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 2,978 |
| Noncurrent loans to loans | 0.9819% | 2,531 |
| Net loans and leases to total assets | 73.0375% | 1,901 |
| Net loans and leases to deposits | 81.1641% | 2,746 |
| Net loans and leases to core deposits | 87.9651% | 2,664 |
| Total domestic deposits to total assets | 89.9875% | 574 |
| Equity capital to assets | 9.2871% | 5,018 |
| Core capital (leverage) ratio | 9.4865% | 4,320 |
| Tier 1 risk-based capital ratio | 13.4570% | 4,163 |
| Total risk-based capital ratio | 14.5191% | 4,199 |
| Memoranda: | ||
| Average total assets | $171,331,000 | 3,309 |
| Average earning assets | $164,227,750 | 3,231 |
| Average equity | $15,997,750 | 3,713 |
| Average total loans | $124,941,000 | 2,997 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 4,210 |
| Cost of funding earning assets | 0.2985% | 4,412 |
| Net interest margin | 3.4611% | 3,656 |
| Noninterest income to average assets | 0.3212% | 4,654 |
| Noninterest expense to average assets | 2.1977% | 5,121 |
| Loan and lease loss provision to assets | 0.0235% | 3,665 |
| Net operating income to assets | 0.9424% | 2,673 |
| Return on assets (ROA) | 0.9424% | 2,796 |
| Pretax return on assets | 1.4153% | 1,908 |
| Return on Equity (ROE) | 10.0740% | 2,037 |
| Retained earnings to average equity (ytd only) | 5.0433% | 2,837 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4335% | 4,925 |
| Assets per employee ($millions) | 4.2060% | 3,458 |
| Cash dividends to net income (ytd only)* | 49.9376% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 4,787 |
| Loan loss allowance to noncurrent loans | 70.6111% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.0890% | 2,334 |
| Noncurrent loans to loans | 1.4391% | 1,852 |
| Net loans and leases to total assets | 71.7968% | 2,021 |
| Net loans and leases to deposits | 79.8975% | 2,801 |
| Net loans and leases to core deposits | 84.6801% | 2,912 |
| Total domestic deposits to total assets | 89.8611% | 724 |
| Equity capital to assets | 9.3607% | 4,831 |
| Core capital (leverage) ratio | 9.5567% | 4,198 |
| Tier 1 risk-based capital ratio | 13.6747% | 4,112 |
| Total risk-based capital ratio | 14.7546% | 4,152 |
| Memoranda: | ||
| Average total assets | $169,994,670 | 3,344 |
| Average earning assets | $162,837,330 | 3,264 |
| Average equity | $15,902,330 | 3,737 |
| Average total loans | $123,472,670 | 3,030 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 4,244 |
| Cost of funding earning assets | 0.2975% | 4,469 |
| Net interest margin | 3.4388% | 3,674 |
| Noninterest income to average assets | 0.2915% | 4,842 |
| Noninterest expense to average assets | 2.2445% | 5,024 |
| Loan and lease loss provision to assets | 0.0119% | 3,573 |
| Net operating income to assets | 0.9054% | 2,718 |
| Return on assets (ROA) | 0.9054% | 2,840 |
| Pretax return on assets | 1.3225% | 2,189 |
| Return on Equity (ROE) | 9.6816% | 2,140 |
| Retained earnings to average equity (ytd only) | 4.6127% | 3,263 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7152% | 4,667 |
| Assets per employee ($millions) | 3.9333% | 4,096 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 4,814 |
| Loan loss allowance to noncurrent loans | 104.8414% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 3,220 |
| Noncurrent loans to loans | 0.9933% | 2,779 |
| Net loans and leases to total assets | 70.5696% | 2,059 |
| Net loans and leases to deposits | 78.5489% | 2,733 |
| Net loans and leases to core deposits | 81.9178% | 2,973 |
| Total domestic deposits to total assets | 89.8416% | 818 |
| Equity capital to assets | 9.3856% | 4,872 |
| Core capital (leverage) ratio | 9.1637% | 4,771 |
| Tier 1 risk-based capital ratio | 13.9926% | 4,025 |
| Total risk-based capital ratio | 15.0996% | 4,038 |
| Memoranda: | ||
| Average total assets | $168,769,500 | 3,388 |
| Average earning assets | $161,334,000 | 3,305 |
| Average equity | $15,782,500 | 3,785 |
| Average total loans | $122,668,500 | 3,047 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 4,462 |
| Cost of funding earning assets | 0.3223% | 4,558 |
| Net interest margin | 3.4865% | 3,848 |
| Noninterest income to average assets | 0.3828% | 4,318 |
| Noninterest expense to average assets | 2.2979% | 5,117 |
| Loan and lease loss provision to assets | 0.0153% | 4,304 |
| Net operating income to assets | 0.9141% | 2,811 |
| Return on assets (ROA) | 0.9141% | 2,901 |
| Pretax return on assets | 1.3973% | 1,899 |
| Return on Equity (ROE) | 10.2434% | 2,012 |
| Retained earnings to average equity (ytd only) | 5.8355% | 2,034 |
| Net charge-offs to loans | 0.0156% | 4,565 |
| Credit loss provision to net charge-offs | 136.8421% | 1,729 |
| Earnings coverage of net charge-offs (x) | 126.6316% | 420 |
| Efficiency ratio | 61.9304% | 4,926 |
| Assets per employee ($millions) | 3.9165% | 4,120 |
| Cash dividends to net income (ytd only)* | 43.0315% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 5,031 |
| Loan loss allowance to noncurrent loans | 98.0423% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8361% | 3,123 |
| Noncurrent loans to loans | 1.0238% | 2,776 |
| Net loans and leases to total assets | 73.3184% | 1,706 |
| Net loans and leases to deposits | 81.5651% | 2,530 |
| Net loans and leases to core deposits | 84.5371% | 2,840 |
| Total domestic deposits to total assets | 89.8894% | 779 |
| Equity capital to assets | 9.3173% | 4,942 |
| Core capital (leverage) ratio | 9.2208% | 4,648 |
| Tier 1 risk-based capital ratio | 13.2806% | 4,549 |
| Total risk-based capital ratio | 14.3402% | 4,586 |
| Memoranda: | ||
| Average total assets | $170,329,400 | 3,336 |
| Average earning assets | $162,571,800 | 3,246 |
| Average equity | $15,200,000 | 3,799 |
| Average total loans | $121,774,600 | 3,008 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 4,698 |
| Cost of funding earning assets | 0.3254% | 4,612 |
| Net interest margin | 3.4286% | 4,112 |
| Noninterest income to average assets | 0.3684% | 4,478 |
| Noninterest expense to average assets | 2.3246% | 5,043 |
| Loan and lease loss provision to assets | 0.0203% | 3,999 |
| Net operating income to assets | 0.8524% | 3,165 |
| Return on assets (ROA) | 0.8524% | 3,259 |
| Pretax return on assets | 1.2973% | 2,384 |
| Return on Equity (ROE) | 9.6567% | 2,376 |
| Retained earnings to average equity (ytd only) | 5.5004% | 2,745 |
| Net charge-offs to loans | 0.0198% | 4,132 |
| Credit loss provision to net charge-offs | 144.4444% | 1,632 |
| Earnings coverage of net charge-offs (x) | 93.7754% | 614 |
| Efficiency ratio | 63.8234% | 4,578 |
| Assets per employee ($millions) | 3.7928% | 4,308 |
| Cash dividends to net income (ytd only)* | 43.0403% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 5,298 |
| Loan loss allowance to noncurrent loans | 108.9643% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 3,561 |
| Noncurrent loans to loans | 0.8986% | 3,320 |
| Net loans and leases to total assets | 74.1859% | 1,498 |
| Net loans and leases to deposits | 82.2880% | 2,387 |
| Net loans and leases to core deposits | 84.5310% | 2,825 |
| Total domestic deposits to total assets | 90.1540% | 661 |
| Equity capital to assets | 9.0363% | 5,313 |
| Core capital (leverage) ratio | 9.1164% | 4,906 |
| Tier 1 risk-based capital ratio | 12.8408% | 4,956 |
| Total risk-based capital ratio | 13.8829% | 4,997 |
| Memoranda: | ||
| Average total assets | $170,809,750 | 3,354 |
| Average earning assets | $163,093,250 | 3,271 |
| Average equity | $15,077,250 | 3,840 |
| Average total loans | $121,036,750 | 3,035 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 4,930 |
| Cost of funding earning assets | 0.3261% | 4,683 |
| Net interest margin | 3.3509% | 4,396 |
| Noninterest income to average assets | 0.3207% | 4,851 |
| Noninterest expense to average assets | 2.3763% | 4,955 |
| Loan and lease loss provision to assets | 0.0187% | 3,895 |
| Net operating income to assets | 0.7515% | 3,561 |
| Return on assets (ROA) | 0.7515% | 3,660 |
| Pretax return on assets | 1.1249% | 2,992 |
| Return on Equity (ROE) | 8.5817% | 2,797 |
| Retained earnings to average equity (ytd only) | 4.6384% | 3,200 |
| Net charge-offs to loans | 0.0438% | 3,355 |
| Credit loss provision to net charge-offs | 61.5385% | 2,614 |
| Earnings coverage of net charge-offs (x) | 37.5769% | 1,105 |
| Efficiency ratio | 67.5091% | 4,109 |
| Assets per employee ($millions) | 4.0872% | 3,670 |
| Cash dividends to net income (ytd only)* | 45.9502% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 5,384 |
| Loan loss allowance to noncurrent loans | 172.1060% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 4,523 |
| Noncurrent loans to loans | 0.5770% | 4,290 |
| Net loans and leases to total assets | 71.6686% | 1,800 |
| Net loans and leases to deposits | 79.2353% | 2,623 |
| Net loans and leases to core deposits | 80.3064% | 3,177 |
| Total domestic deposits to total assets | 90.4504% | 607 |
| Equity capital to assets | 8.8244% | 5,500 |
| Core capital (leverage) ratio | 8.7820% | 5,289 |
| Tier 1 risk-based capital ratio | 13.0101% | 4,904 |
| Total risk-based capital ratio | 14.0696% | 4,964 |
| Memoranda: | ||
| Average total assets | $170,853,670 | 3,376 |
| Average earning assets | $163,122,330 | 3,281 |
| Average equity | $14,962,000 | 3,863 |
| Average total loans | $118,758,670 | 3,089 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 3,470 |
| Cost of funding earning assets | 0.5064% | 2,837 |
| Net interest margin | 3.5450% | 3,502 |
| Noninterest income to average assets | 0.2787% | 5,133 |
| Noninterest expense to average assets | 2.5324% | 4,510 |
| Loan and lease loss provision to assets | 0.0666% | 2,791 |
| Net operating income to assets | 0.5998% | 4,204 |
| Return on assets (ROA) | 0.5998% | 4,282 |
| Pretax return on assets | 0.9875% | 3,372 |
| Return on Equity (ROE) | 6.8406% | 3,563 |
| Retained earnings to average equity (ytd only) | -1.4510% | 5,791 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6081% | 3,723 |
| Assets per employee ($millions) | 3.8091% | 4,302 |
| Cash dividends to net income (ytd only)* | 121.2121% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 6,019 |
| Loan loss allowance to noncurrent loans | 112.6289% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 3,738 |
| Noncurrent loans to loans | 0.7471% | 3,996 |
| Net loans and leases to total assets | 75.1123% | 1,112 |
| Net loans and leases to deposits | 82.2894% | 2,018 |
| Net loans and leases to core deposits | 82.6208% | 2,675 |
| Total domestic deposits to total assets | 91.2782% | 456 |
| Equity capital to assets | 8.4301% | 5,712 |
| Core capital (leverage) ratio | 8.3852% | 5,759 |
| Tier 1 risk-based capital ratio | 11.8311% | 5,742 |
| Total risk-based capital ratio | 12.7257% | 5,876 |
| Memoranda: | ||
| Average total assets | $66,025,500 | 5,566 |
| Average earning assets | $61,608,000 | 5,518 |
| Average equity | $5,789,000 | 5,802 |
| Average total loans | $52,605,000 | 4,837 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 3,091 |
| Cost of funding earning assets | 0.5279% | 3,307 |
| Net interest margin | 3.7368% | 2,910 |
| Noninterest income to average assets | 0.3688% | 4,671 |
| Noninterest expense to average assets | 2.6560% | 4,259 |
| Loan and lease loss provision to assets | 0.0274% | 4,582 |
| Net operating income to assets | 0.8134% | 3,227 |
| Return on assets (ROA) | 0.8134% | 3,321 |
| Pretax return on assets | 1.1742% | 2,675 |
| Return on Equity (ROE) | 8.7875% | 2,647 |
| Retained earnings to average equity (ytd only) | 3.3932% | 3,814 |
| Net charge-offs to loans | 0.1506% | 3,299 |
| Credit loss provision to net charge-offs | 23.6111% | 4,377 |
| Earnings coverage of net charge-offs (x) | 10.3611% | 2,384 |
| Efficiency ratio | 68.8518% | 4,043 |
| Assets per employee ($millions) | 3.3414% | 5,203 |
| Cash dividends to net income (ytd only)* | 61.3861% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 6,180 |
| Loan loss allowance to noncurrent loans | 129.8780% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 3,906 |
| Noncurrent loans to loans | 0.6157% | 4,436 |
| Net loans and leases to total assets | 83.2407% | 309 |
| Net loans and leases to deposits | 91.8950% | 1,064 |
| Net loans and leases to core deposits | 92.2979% | 1,767 |
| Total domestic deposits to total assets | 90.5823% | 764 |
| Equity capital to assets | 9.1326% | 4,886 |
| Core capital (leverage) ratio | 9.1245% | 4,817 |
| Tier 1 risk-based capital ratio | 11.7360% | 5,785 |
| Total risk-based capital ratio | 12.5982% | 5,928 |
| Memoranda: | ||
| Average total assets | $62,086,600 | 5,702 |
| Average earning assets | $57,963,600 | 5,654 |
| Average equity | $5,746,800 | 5,870 |
| Average total loans | $47,824,200 | 5,032 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 3,424 |
| Cost of funding earning assets | 0.5268% | 3,500 |
| Net interest margin | 3.6643% | 3,180 |
| Noninterest income to average assets | 0.3801% | 4,673 |
| Noninterest expense to average assets | 2.6521% | 4,193 |
| Loan and lease loss provision to assets | 0.0151% | 4,708 |
| Net operating income to assets | 0.8228% | 3,236 |
| Return on assets (ROA) | 0.8228% | 3,354 |
| Pretax return on assets | 1.1381% | 2,953 |
| Return on Equity (ROE) | 8.8593% | 2,705 |
| Retained earnings to average equity (ytd only) | 5.1388% | 2,979 |
| Net charge-offs to loans | 0.2066% | 2,586 |
| Credit loss provision to net charge-offs | 9.7222% | 4,217 |
| Earnings coverage of net charge-offs (x) | 7.4165% | 2,800 |
| Efficiency ratio | 69.6935% | 3,805 |
| Assets per employee ($millions) | 3.2632% | 5,355 |
| Cash dividends to net income (ytd only)* | 41.9949% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 6,211 |
| Loan loss allowance to noncurrent loans | 126.8293% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 4,001 |
| Noncurrent loans to loans | 0.6575% | 4,555 |
| Net loans and leases to total assets | 79.7874% | 570 |
| Net loans and leases to deposits | 88.3343% | 1,336 |
| Net loans and leases to core deposits | 88.7320% | 2,109 |
| Total domestic deposits to total assets | 90.3243% | 833 |
| Equity capital to assets | 9.3982% | 4,676 |
| Core capital (leverage) ratio | 9.5114% | 4,387 |
| Tier 1 risk-based capital ratio | 12.6134% | 5,379 |
| Total risk-based capital ratio | 13.5140% | 5,531 |
| Memoranda: | ||
| Average total assets | $61,736,500 | 5,774 |
| Average earning assets | $57,708,000 | 5,725 |
| Average equity | $5,734,000 | 5,940 |
| Average total loans | $46,462,000 | 5,136 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 3,698 |
| Cost of funding earning assets | 0.5338% | 3,563 |
| Net interest margin | 3.5771% | 3,461 |
| Noninterest income to average assets | 0.3958% | 4,557 |
| Noninterest expense to average assets | 2.6894% | 4,068 |
| Loan and lease loss provision to assets | 0.0097% | 4,671 |
| Net operating income to assets | 0.7721% | 3,451 |
| Return on assets (ROA) | 0.7721% | 3,604 |
| Pretax return on assets | 1.0446% | 3,314 |
| Return on Equity (ROE) | 8.3465% | 2,920 |
| Retained earnings to average equity (ytd only) | 6.2423% | 2,299 |
| Net charge-offs to loans | 0.3177% | 1,916 |
| Credit loss provision to net charge-offs | 4.1667% | 3,967 |
| Earnings coverage of net charge-offs (x) | 4.5139% | 3,109 |
| Efficiency ratio | 71.8371% | 3,500 |
| Assets per employee ($millions) | 3.2535% | 5,369 |
| Cash dividends to net income (ytd only)* | 25.2101% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 6,158 |
| Loan loss allowance to noncurrent loans | 124.8485% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 3,379 |
| Noncurrent loans to loans | 0.7145% | 4,498 |
| Net loans and leases to total assets | 74.0427% | 1,241 |
| Net loans and leases to deposits | 81.9212% | 2,070 |
| Net loans and leases to core deposits | 82.2909% | 2,771 |
| Total domestic deposits to total assets | 90.3829% | 819 |
| Equity capital to assets | 9.3502% | 4,784 |
| Core capital (leverage) ratio | 9.0846% | 4,848 |
| Tier 1 risk-based capital ratio | 13.5559% | 4,738 |
| Total risk-based capital ratio | 14.5218% | 4,883 |
| Memoranda: | ||
| Average total assets | $61,648,330 | 5,815 |
| Average earning assets | $57,700,000 | 5,759 |
| Average equity | $5,703,000 | 5,995 |
| Average total loans | $45,321,000 | 5,217 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 3,363 |
| Cost of funding earning assets | 0.5422% | 3,647 |
| Net interest margin | 3.6425% | 3,101 |
| Noninterest income to average assets | 0.4483% | 4,126 |
| Noninterest expense to average assets | 2.6899% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7927% | 3,206 |
| Return on assets (ROA) | 0.7927% | 3,340 |
| Pretax return on assets | 1.1630% | 2,712 |
| Return on Equity (ROE) | 8.6151% | 2,660 |
| Retained earnings to average equity (ytd only) | 8.6151% | 1,516 |
| Net charge-offs to loans | 0.1158% | 2,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.7692% | 1,498 |
| Efficiency ratio | 69.8145% | 4,008 |
| Assets per employee ($millions) | 3.2039% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 5,774 |
| Loan loss allowance to noncurrent loans | 41.9355% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 2.3425% | 1,981 |
| Noncurrent loans to loans | 2.5158% | 2,054 |
| Net loans and leases to total assets | 68.4973% | 1,925 |
| Net loans and leases to deposits | 75.4582% | 2,712 |
| Net loans and leases to core deposits | 75.4582% | 3,393 |
| Total domestic deposits to total assets | 90.7752% | 628 |
| Equity capital to assets | 8.9361% | 5,571 |
| Core capital (leverage) ratio | 8.8224% | 5,150 |
| Tier 1 risk-based capital ratio | 13.9039% | 4,577 |
| Total risk-based capital ratio | 15.0399% | 4,620 |
| Memoranda: | ||
| Average total assets | $61,564,000 | 5,874 |
| Average earning assets | $57,542,500 | 5,811 |
| Average equity | $5,664,500 | 6,061 |
| Average total loans | $44,890,000 | 5,257 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 3,861 |
| Cost of funding earning assets | 0.7012% | 3,482 |
| Net interest margin | 3.6867% | 3,705 |
| Noninterest income to average assets | 0.1308% | 6,384 |
| Noninterest expense to average assets | 3.1336% | 2,832 |
| Loan and lease loss provision to assets | 0.0570% | 5,066 |
| Net operating income to assets | 0.2567% | 5,611 |
| Return on assets (ROA) | 0.2567% | 5,817 |
| Pretax return on assets | 0.3623% | 5,673 |
| Return on Equity (ROE) | 2.7693% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.7693% | 4,291 |
| Net charge-offs to loans | 0.0960% | 4,708 |
| Credit loss provision to net charge-offs | 79.0698% | 3,863 |
| Earnings coverage of net charge-offs (x) | 5.8140% | 2,944 |
| Efficiency ratio | 88.1964% | 1,226 |
| Assets per employee ($millions) | 3.1079% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 5,724 |
| Loan loss allowance to noncurrent loans | 20.7149% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 4.7451% | 844 |
| Noncurrent loans to loans | 5.1122% | 767 |
| Net loans and leases to total assets | 76.1037% | 900 |
| Net loans and leases to deposits | 84.2204% | 1,729 |
| Net loans and leases to core deposits | 84.2204% | 2,526 |
| Total domestic deposits to total assets | 90.3626% | 768 |
| Equity capital to assets | 9.4884% | 4,893 |
| Core capital (leverage) ratio | 9.3771% | 4,285 |
| Tier 1 risk-based capital ratio | 13.0759% | 5,052 |
| Total risk-based capital ratio | 14.1981% | 5,087 |
| Memoranda: | ||
| Average total assets | $59,612,200 | 5,932 |
| Average earning assets | $55,334,400 | 5,877 |
| Average equity | $5,524,800 | 6,137 |
| Average total loans | $44,793,400 | 5,293 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 4,209 |
| Cost of funding earning assets | 0.7230% | 3,570 |
| Net interest margin | 3.6365% | 4,076 |
| Noninterest income to average assets | 0.3883% | 4,728 |
| Noninterest expense to average assets | 3.2600% | 2,392 |
| Loan and lease loss provision to assets | 0.0491% | 5,154 |
| Net operating income to assets | 0.3124% | 5,571 |
| Return on assets (ROA) | 0.3124% | 5,778 |
| Pretax return on assets | 0.4574% | 5,574 |
| Return on Equity (ROE) | 3.3906% | 5,538 |
| Retained earnings to average equity (ytd only) | 3.3906% | 4,481 |
| Net charge-offs to loans | 0.0209% | 5,376 |
| Credit loss provision to net charge-offs | 314.2857% | 852 |
| Earnings coverage of net charge-offs (x) | 32.4394% | 1,032 |
| Efficiency ratio | 86.5521% | 1,338 |
| Assets per employee ($millions) | 3.4889% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 5,557 |
| Loan loss allowance to noncurrent loans | 20.9283% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 5.0024% | 897 |
| Noncurrent loans to loans | 5.4452% | 792 |
| Net loans and leases to total assets | 73.8620% | 1,265 |
| Net loans and leases to deposits | 81.7759% | 2,155 |
| Net loans and leases to core deposits | 81.7759% | 2,992 |
| Total domestic deposits to total assets | 90.3224% | 668 |
| Equity capital to assets | 9.4214% | 5,304 |
| Core capital (leverage) ratio | 9.3916% | 4,444 |
| Tier 1 risk-based capital ratio | 13.4315% | 4,924 |
| Total risk-based capital ratio | 14.6447% | 4,913 |
| Memoranda: | ||
| Average total assets | $59,752,500 | 5,997 |
| Average earning assets | $55,510,250 | 5,949 |
| Average equity | $5,505,250 | 6,215 |
| Average total loans | $44,636,500 | 5,366 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 4,560 |
| Cost of funding earning assets | 0.7417% | 3,674 |
| Net interest margin | 3.5607% | 4,414 |
| Noninterest income to average assets | 0.3439% | 5,086 |
| Noninterest expense to average assets | 3.4792% | 1,833 |
| Loan and lease loss provision to assets | 0.0534% | 4,995 |
| Net operating income to assets | 0.1035% | 6,149 |
| Return on assets (ROA) | 0.1035% | 6,306 |
| Pretax return on assets | 0.1135% | 6,303 |
| Return on Equity (ROE) | 1.1319% | 6,275 |
| Retained earnings to average equity (ytd only) | 1.1319% | 5,619 |
| Net charge-offs to loans | 0.0134% | 5,254 |
| Credit loss provision to net charge-offs | 533.3333% | 572 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,577 |
| Efficiency ratio | 95.4212% | 729 |
| Assets per employee ($millions) | 3.0547% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 5,753 |
| Loan loss allowance to noncurrent loans | 17.9799% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 5.4801% | 816 |
| Noncurrent loans to loans | 6.1445% | 703 |
| Net loans and leases to total assets | 73.5539% | 1,318 |
| Net loans and leases to deposits | 80.9997% | 2,228 |
| Net loans and leases to core deposits | 81.3973% | 3,035 |
| Total domestic deposits to total assets | 90.8076% | 524 |
| Equity capital to assets | 8.9649% | 5,735 |
| Core capital (leverage) ratio | 9.0637% | 4,817 |
| Tier 1 risk-based capital ratio | 12.9357% | 5,226 |
| Total risk-based capital ratio | 14.1202% | 5,252 |
| Memoranda: | ||
| Average total assets | $59,899,330 | 6,032 |
| Average earning assets | $55,550,670 | 5,981 |
| Average equity | $5,477,670 | 6,248 |
| Average total loans | $44,744,000 | 5,392 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3817% | 4,399 |
| Cost of funding earning assets | 0.7582% | 3,799 |
| Net interest margin | 3.6234% | 4,161 |
| Noninterest income to average assets | 0.4249% | 4,484 |
| Noninterest expense to average assets | 3.1702% | 2,700 |
| Loan and lease loss provision to assets | 0.0472% | 4,813 |
| Net operating income to assets | 0.3980% | 5,268 |
| Return on assets (ROA) | 0.3980% | 5,455 |
| Pretax return on assets | 0.5598% | 5,240 |
| Return on Equity (ROE) | 4.3081% | 5,135 |
| Retained earnings to average equity (ytd only) | 4.3081% | 4,004 |
| Net charge-offs to loans | 0.0541% | 3,960 |
| Credit loss provision to net charge-offs | 116.6667% | 2,024 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,443 |
| Efficiency ratio | 83.9286% | 1,694 |
| Assets per employee ($millions) | 3.0689% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,839 |
| Loan loss allowance to noncurrent loans | 13.1898% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 6.9373% | 626 |
| Noncurrent loans to loans | 8.4699% | 430 |
| Net loans and leases to total assets | 70.6621% | 1,640 |
| Net loans and leases to deposits | 77.8318% | 2,544 |
| Net loans and leases to core deposits | 78.2108% | 3,297 |
| Total domestic deposits to total assets | 90.7882% | 646 |
| Equity capital to assets | 8.9674% | 5,546 |
| Core capital (leverage) ratio | 9.0531% | 4,760 |
| Tier 1 risk-based capital ratio | 13.2588% | 5,021 |
| Total risk-based capital ratio | 14.4376% | 5,046 |
| Memoranda: | ||
| Average total assets | $59,302,000 | 6,086 |
| Average earning assets | $54,865,000 | 6,041 |
| Average equity | $5,478,000 | 6,286 |
| Average total loans | $44,396,500 | 5,451 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 5,234 |
| Cost of funding earning assets | 0.9260% | 3,912 |
| Net interest margin | 3.5292% | 5,027 |
| Noninterest income to average assets | 0.4703% | 4,052 |
| Noninterest expense to average assets | 3.0138% | 3,540 |
| Loan and lease loss provision to assets | 0.0287% | 6,212 |
| Net operating income to assets | 0.5276% | 4,314 |
| Return on assets (ROA) | 0.5276% | 4,516 |
| Pretax return on assets | 0.6978% | 4,327 |
| Return on Equity (ROE) | 5.9224% | 3,907 |
| Retained earnings to average equity (ytd only) | 5.9224% | 2,061 |
| Net charge-offs to loans | 0.1945% | 4,590 |
| Credit loss provision to net charge-offs | 20.2381% | 5,916 |
| Earnings coverage of net charge-offs (x) | 5.1310% | 2,887 |
| Efficiency ratio | 80.5768% | 2,225 |
| Assets per employee ($millions) | 2.8613% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 5,856 |
| Loan loss allowance to noncurrent loans | 12.8448% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 7.6032% | 564 |
| Noncurrent loans to loans | 8.4728% | 448 |
| Net loans and leases to total assets | 77.6623% | 749 |
| Net loans and leases to deposits | 86.0465% | 1,663 |
| Net loans and leases to core deposits | 86.4986% | 2,570 |
| Total domestic deposits to total assets | 90.2562% | 850 |
| Equity capital to assets | 9.5271% | 4,840 |
| Core capital (leverage) ratio | 9.5202% | 3,993 |
| Tier 1 risk-based capital ratio | 12.8021% | 5,240 |
| Total risk-based capital ratio | 13.9505% | 5,282 |
| Memoranda: | ||
| Average total assets | $59,327,400 | 6,061 |
| Average earning assets | $54,970,400 | 6,018 |
| Average equity | $5,285,000 | 6,354 |
| Average total loans | $43,194,000 | 5,555 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 5,709 |
| Cost of funding earning assets | 0.9589% | 3,973 |
| Net interest margin | 3.4112% | 5,537 |
| Noninterest income to average assets | 0.4700% | 4,129 |
| Noninterest expense to average assets | 2.9516% | 3,739 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4901% | 4,581 |
| Return on assets (ROA) | 0.4901% | 4,773 |
| Pretax return on assets | 0.6883% | 4,522 |
| Return on Equity (ROE) | 5.5944% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.5944% | 2,796 |
| Net charge-offs to loans | 0.0561% | 5,412 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 17.1663% | 1,360 |
| Efficiency ratio | 81.0894% | 2,096 |
| Assets per employee ($millions) | 3.2967% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 5,408 |
| Loan loss allowance to noncurrent loans | 13.2154% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 7.7806% | 581 |
| Noncurrent loans to loans | 9.1890% | 412 |
| Net loans and leases to total assets | 73.7529% | 1,363 |
| Net loans and leases to deposits | 81.2871% | 2,490 |
| Net loans and leases to core deposits | 81.6953% | 3,373 |
| Total domestic deposits to total assets | 90.7314% | 539 |
| Equity capital to assets | 9.0310% | 5,719 |
| Core capital (leverage) ratio | 8.9945% | 4,939 |
| Tier 1 risk-based capital ratio | 12.8216% | 5,231 |
| Total risk-based capital ratio | 14.0731% | 5,210 |
| Memoranda: | ||
| Average total assets | $59,852,750 | 6,091 |
| Average earning assets | $55,620,000 | 6,047 |
| Average equity | $5,243,250 | 6,419 |
| Average total loans | $42,759,500 | 5,617 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3351% | 5,891 |
| Cost of funding earning assets | 1.0084% | 3,900 |
| Net interest margin | 3.3267% | 5,783 |
| Noninterest income to average assets | 0.4798% | 4,031 |
| Noninterest expense to average assets | 2.8755% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4731% | 4,628 |
| Return on assets (ROA) | 0.4731% | 4,768 |
| Pretax return on assets | 0.6931% | 4,409 |
| Return on Equity (ROE) | 5.4566% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.4566% | 2,712 |
| Net charge-offs to loans | -0.0284% | 6,906 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5789% | 2,303 |
| Assets per employee ($millions) | 3.3975% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 4,875 |
| Loan loss allowance to noncurrent loans | 14.8442% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 7.0820% | 713 |
| Noncurrent loans to loans | 9.0246% | 461 |
| Net loans and leases to total assets | 67.6805% | 2,674 |
| Net loans and leases to deposits | 74.3221% | 3,749 |
| Net loans and leases to core deposits | 75.2135% | 4,407 |
| Total domestic deposits to total assets | 91.0637% | 478 |
| Equity capital to assets | 8.6354% | 6,018 |
| Core capital (leverage) ratio | 8.5685% | 5,446 |
| Tier 1 risk-based capital ratio | 13.3034% | 4,690 |
| Total risk-based capital ratio | 14.5557% | 4,661 |
| Memoranda: | ||
| Average total assets | $60,023,670 | 6,137 |
| Average earning assets | $55,731,000 | 6,091 |
| Average equity | $5,204,670 | 6,464 |
| Average total loans | $42,245,000 | 5,695 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 6,036 |
| Cost of funding earning assets | 1.0547% | 3,821 |
| Net interest margin | 3.2369% | 5,961 |
| Noninterest income to average assets | 0.4440% | 4,334 |
| Noninterest expense to average assets | 2.8861% | 4,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3835% | 5,019 |
| Return on assets (ROA) | 0.3835% | 5,106 |
| Pretax return on assets | 0.5516% | 4,857 |
| Return on Equity (ROE) | 4.4130% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.4130% | 3,529 |
| Net charge-offs to loans | 0.0189% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 671 |
| Efficiency ratio | 83.9530% | 1,960 |
| Assets per employee ($millions) | 3.3988% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 4,693 |
| Loan loss allowance to noncurrent loans | 14.9608% | 6,921 |
| Noncurrent assets plus other real estate owned to assets | 6.9207% | 780 |
| Noncurrent loans to loans | 9.3178% | 461 |
| Net loans and leases to total assets | 64.0530% | 3,429 |
| Net loans and leases to deposits | 70.2037% | 4,316 |
| Net loans and leases to core deposits | 71.0424% | 4,925 |
| Total domestic deposits to total assets | 91.2388% | 516 |
| Equity capital to assets | 8.4931% | 5,916 |
| Core capital (leverage) ratio | 8.2932% | 5,822 |
| Tier 1 risk-based capital ratio | 13.7945% | 4,217 |
| Total risk-based capital ratio | 15.0478% | 4,194 |
| Memoranda: | ||
| Average total assets | $59,458,000 | 6,202 |
| Average earning assets | $54,991,500 | 6,165 |
| Average equity | $5,166,500 | 6,499 |
| Average total loans | $42,391,500 | 5,734 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 2,820 |
| Cost of funding earning assets | 1.4968% | 2,661 |
| Net interest margin | 3.8709% | 3,634 |
| Noninterest income to average assets | 0.3939% | 4,952 |
| Noninterest expense to average assets | 2.7324% | 4,839 |
| Loan and lease loss provision to assets | -0.0850% | 7,603 |
| Net operating income to assets | 1.0982% | 1,705 |
| Return on assets (ROA) | 1.0982% | 1,791 |
| Pretax return on assets | 1.3303% | 1,859 |
| Return on Equity (ROE) | 14.3119% | 828 |
| Retained earnings to average equity (ytd only) | 12.6081% | 233 |
| Net charge-offs to loans | 0.6419% | 3,093 |
| Credit loss provision to net charge-offs | -18.3099% | 6,990 |
| Earnings coverage of net charge-offs (x) | 2.6831% | 3,752 |
| Efficiency ratio | 68.6935% | 4,428 |
| Assets per employee ($millions) | 3.2076% | 5,651 |
| Cash dividends to net income (ytd only)* | 11.9048% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 5,348 |
| Loan loss allowance to noncurrent loans | 24.4074% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 4.8911% | 1,321 |
| Noncurrent loans to loans | 5.0575% | 1,323 |
| Net loans and leases to total assets | 77.0494% | 1,086 |
| Net loans and leases to deposits | 84.8662% | 2,310 |
| Net loans and leases to core deposits | 86.3705% | 3,269 |
| Total domestic deposits to total assets | 90.7893% | 698 |
| Equity capital to assets | 8.8972% | 5,285 |
| Core capital (leverage) ratio | 8.5753% | 5,231 |
| Tier 1 risk-based capital ratio | 12.6244% | 4,918 |
| Total risk-based capital ratio | 13.8750% | 4,898 |
| Memoranda: | ||
| Average total assets | $61,190,800 | 6,156 |
| Average earning assets | $56,653,800 | 6,114 |
| Average equity | $4,695,400 | 6,757 |
| Average total loans | $44,246,400 | 5,737 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3386% | 3,172 |
| Cost of funding earning assets | 1.5564% | 2,631 |
| Net interest margin | 3.7822% | 4,050 |
| Noninterest income to average assets | 0.3889% | 5,047 |
| Noninterest expense to average assets | 2.6063% | 5,305 |
| Loan and lease loss provision to assets | -0.2514% | 7,730 |
| Net operating income to assets | 1.3450% | 1,239 |
| Return on assets (ROA) | 1.3450% | 1,317 |
| Pretax return on assets | 1.5427% | 1,498 |
| Return on Equity (ROE) | 18.2039% | 468 |
| Retained earnings to average equity (ytd only) | 15.8774% | 172 |
| Net charge-offs to loans | 0.8597% | 2,296 |
| Credit loss provision to net charge-offs | -41.1972% | 6,871 |
| Earnings coverage of net charge-offs (x) | 2.1162% | 4,137 |
| Efficiency ratio | 66.8688% | 4,682 |
| Assets per employee ($millions) | 3.3207% | 5,398 |
| Cash dividends to net income (ytd only)* | 12.7790% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 6,235 |
| Loan loss allowance to noncurrent loans | 29.5605% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 3.7258% | 1,907 |
| Noncurrent loans to loans | 3.5058% | 2,257 |
| Net loans and leases to total assets | 78.4448% | 964 |
| Net loans and leases to deposits | 86.0694% | 2,327 |
| Net loans and leases to core deposits | 87.5331% | 3,442 |
| Total domestic deposits to total assets | 91.1413% | 398 |
| Equity capital to assets | 8.5224% | 6,251 |
| Core capital (leverage) ratio | 8.3351% | 5,811 |
| Tier 1 risk-based capital ratio | 12.4310% | 5,049 |
| Total risk-based capital ratio | 13.6297% | 5,070 |
| Memoranda: | ||
| Average total assets | $62,054,250 | 6,190 |
| Average earning assets | $57,567,250 | 6,142 |
| Average equity | $4,585,000 | 6,879 |
| Average total loans | $44,047,500 | 5,825 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3504% | 3,211 |
| Cost of funding earning assets | 1.6323% | 2,472 |
| Net interest margin | 3.7181% | 4,279 |
| Noninterest income to average assets | 0.4044% | 4,879 |
| Noninterest expense to average assets | 2.4930% | 5,739 |
| Loan and lease loss provision to assets | -0.3725% | 7,804 |
| Net operating income to assets | 1.6047% | 721 |
| Return on assets (ROA) | 1.6047% | 774 |
| Pretax return on assets | 1.7289% | 1,004 |
| Return on Equity (ROE) | 22.8296% | 181 |
| Retained earnings to average equity (ytd only) | 19.2058% | 99 |
| Net charge-offs to loans | 1.2344% | 1,546 |
| Credit loss provision to net charge-offs | -44.1509% | 6,624 |
| Earnings coverage of net charge-offs (x) | 1.6075% | 4,289 |
| Efficiency ratio | 64.7643% | 5,194 |
| Assets per employee ($millions) | 3.4662% | 5,007 |
| Cash dividends to net income (ytd only)* | 15.8730% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 5,492 |
| Loan loss allowance to noncurrent loans | 63.3540% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 2.1622% | 3,306 |
| Noncurrent loans to loans | 1.8826% | 3,889 |
| Net loans and leases to total assets | 67.7197% | 3,450 |
| Net loans and leases to deposits | 73.8628% | 4,697 |
| Net loans and leases to core deposits | 75.1637% | 5,302 |
| Total domestic deposits to total assets | 91.6831% | 295 |
| Equity capital to assets | 7.9691% | 6,788 |
| Core capital (leverage) ratio | 7.7552% | 6,551 |
| Tier 1 risk-based capital ratio | 12.4468% | 4,909 |
| Total risk-based capital ratio | 13.6965% | 4,889 |
| Memoranda: | ||
| Average total assets | $62,815,000 | 6,205 |
| Average earning assets | $58,201,000 | 6,163 |
| Average equity | $4,415,330 | 6,973 |
| Average total loans | $42,937,000 | 5,906 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5028% | 2,567 |
| Cost of funding earning assets | 1.6604% | 2,595 |
| Net interest margin | 3.8423% | 3,612 |
| Noninterest income to average assets | 0.3617% | 5,249 |
| Noninterest expense to average assets | 2.4307% | 5,981 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6310% | 709 |
| Return on assets (ROA) | 1.6310% | 754 |
| Pretax return on assets | 1.4851% | 1,553 |
| Return on Equity (ROE) | 24.8489% | 167 |
| Retained earnings to average equity (ytd only) | 17.1139% | 276 |
| Net charge-offs to loans | 2.4637% | 669 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.8830% | 4,256 |
| Efficiency ratio | 62.0746% | 5,817 |
| Assets per employee ($millions) | 3.6149% | 4,785 |
| Cash dividends to net income (ytd only)* | 31.1284% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 3,828 |
| Loan loss allowance to noncurrent loans | 51.3093% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.5465% | 2,852 |
| Noncurrent loans to loans | 2.9554% | 2,720 |
| Net loans and leases to total assets | 62.5813% | 4,638 |
| Net loans and leases to deposits | 67.1399% | 5,692 |
| Net loans and leases to core deposits | 70.1711% | 5,902 |
| Total domestic deposits to total assets | 93.2103% | 112 |
| Equity capital to assets | 6.4946% | 7,527 |
| Core capital (leverage) ratio | 6.4913% | 7,471 |
| Tier 1 risk-based capital ratio | 11.0727% | 6,094 |
| Total risk-based capital ratio | 12.3233% | 6,061 |
| Memoranda: | ||
| Average total assets | $63,027,000 | 6,270 |
| Average earning assets | $58,298,000 | 6,236 |
| Average equity | $4,137,000 | 7,130 |
| Average total loans | $43,025,000 | 5,981 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3178% | 991 |
| Cost of funding earning assets | 2.2181% | 1,951 |
| Net interest margin | 4.0997% | 2,448 |
| Noninterest income to average assets | 0.4534% | 4,777 |
| Noninterest expense to average assets | 2.4572% | 6,286 |
| Loan and lease loss provision to assets | 0.9117% | 2,470 |
| Net operating income to assets | 0.2631% | 4,670 |
| Return on assets (ROA) | 0.2631% | 4,755 |
| Pretax return on assets | 0.8737% | 3,007 |
| Return on Equity (ROE) | 3.7066% | 4,202 |
| Retained earnings to average equity (ytd only) | -3.7533% | 5,832 |
| Net charge-offs to loans | 0.0358% | 6,768 |
| Credit loss provision to net charge-offs | 3,443.7500% | 101 |
| Earnings coverage of net charge-offs (x) | 67.4375% | 401 |
| Efficiency ratio | 57.9173% | 6,775 |
| Assets per employee ($millions) | 3.2097% | 5,705 |
| Cash dividends to net income (ytd only)* | 201.2579% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9954% | 2,041 |
| Loan loss allowance to noncurrent loans | 138.5093% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 1.8152% | 3,646 |
| Noncurrent loans to loans | 1.4407% | 4,510 |
| Net loans and leases to total assets | 71.8373% | 2,795 |
| Net loans and leases to deposits | 77.3072% | 4,503 |
| Net loans and leases to core deposits | 94.8638% | 4,579 |
| Total domestic deposits to total assets | 92.9245% | 138 |
| Equity capital to assets | 6.6377% | 7,520 |
| Core capital (leverage) ratio | 6.5376% | 7,474 |
| Tier 1 risk-based capital ratio | 9.4919% | 7,233 |
| Total risk-based capital ratio | 10.7517% | 7,200 |
| Memoranda: | ||
| Average total assets | $60,434,000 | 6,332 |
| Average earning assets | $55,858,000 | 6,297 |
| Average equity | $4,289,600 | 7,176 |
| Average total loans | $44,753,000 | 5,889 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3835% | 954 |
| Cost of funding earning assets | 2.2913% | 2,014 |
| Net interest margin | 4.0922% | 2,432 |
| Noninterest income to average assets | 0.4334% | 5,013 |
| Noninterest expense to average assets | 2.4567% | 6,222 |
| Loan and lease loss provision to assets | 0.0442% | 6,926 |
| Net operating income to assets | 1.1056% | 1,716 |
| Return on assets (ROA) | 1.1056% | 1,775 |
| Pretax return on assets | 1.7159% | 940 |
| Return on Equity (ROE) | 15.3253% | 730 |
| Retained earnings to average equity (ytd only) | 7.9692% | 1,148 |
| Net charge-offs to loans | 0.0476% | 6,248 |
| Credit loss provision to net charge-offs | 125.0000% | 4,022 |
| Earnings coverage of net charge-offs (x) | 49.7567% | 642 |
| Efficiency ratio | 58.2590% | 6,686 |
| Assets per employee ($millions) | 3.3253% | 5,324 |
| Cash dividends to net income (ytd only)* | 47.9997% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 7,103 |
| Loan loss allowance to noncurrent loans | 47.6882% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 2.0082% | 3,335 |
| Noncurrent loans to loans | 1.6850% | 4,119 |
| Net loans and leases to total assets | 74.4537% | 2,394 |
| Net loans and leases to deposits | 80.9346% | 4,210 |
| Net loans and leases to core deposits | 99.1942% | 4,459 |
| Total domestic deposits to total assets | 91.9924% | 179 |
| Equity capital to assets | 7.4679% | 7,317 |
| Core capital (leverage) ratio | 7.2981% | 7,190 |
| Tier 1 risk-based capital ratio | 10.2784% | 6,704 |
| Total risk-based capital ratio | 11.1091% | 7,053 |
| Memoranda: | ||
| Average total assets | $60,296,250 | 6,380 |
| Average earning assets | $55,746,750 | 6,349 |
| Average equity | $4,350,000 | 7,234 |
| Average total loans | $44,765,750 | 5,934 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4706% | 873 |
| Cost of funding earning assets | 2.4081% | 1,939 |
| Net interest margin | 4.0625% | 2,461 |
| Noninterest income to average assets | 0.4070% | 5,223 |
| Noninterest expense to average assets | 2.4089% | 6,431 |
| Loan and lease loss provision to assets | 0.0662% | 6,546 |
| Net operating income to assets | 1.0853% | 1,822 |
| Return on assets (ROA) | 1.0853% | 1,899 |
| Pretax return on assets | 1.6776% | 1,055 |
| Return on Equity (ROE) | 15.2204% | 798 |
| Retained earnings to average equity (ytd only) | 7.7958% | 1,277 |
| Net charge-offs to loans | 0.0760% | 5,446 |
| Credit loss provision to net charge-offs | 117.6471% | 3,950 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 978 |
| Efficiency ratio | 58.0080% | 6,867 |
| Assets per employee ($millions) | 3.2010% | 5,582 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8153% | 7,102 |
| Loan loss allowance to noncurrent loans | 102.5641% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 1.3088% | 4,329 |
| Noncurrent loans to loans | 0.7949% | 5,643 |
| Net loans and leases to total assets | 72.0137% | 3,226 |
| Net loans and leases to deposits | 78.1312% | 4,848 |
| Net loans and leases to core deposits | 93.1674% | 5,221 |
| Total domestic deposits to total assets | 92.1702% | 188 |
| Equity capital to assets | 7.2001% | 7,479 |
| Core capital (leverage) ratio | 7.1699% | 7,387 |
| Tier 1 risk-based capital ratio | 10.2086% | 6,702 |
| Total risk-based capital ratio | 11.0486% | 7,084 |
| Memoranda: | ||
| Average total assets | $60,443,000 | 6,433 |
| Average earning assets | $55,729,330 | 6,404 |
| Average equity | $4,310,000 | 7,307 |
| Average total loans | $44,712,330 | 5,993 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5040% | 858 |
| Cost of funding earning assets | 2.5132% | 1,869 |
| Net interest margin | 3.9908% | 2,682 |
| Noninterest income to average assets | 0.4514% | 4,754 |
| Noninterest expense to average assets | 2.3434% | 6,394 |
| Loan and lease loss provision to assets | 0.0465% | 6,389 |
| Net operating income to assets | 1.1086% | 1,929 |
| Return on assets (ROA) | 1.1086% | 2,058 |
| Pretax return on assets | 1.7194% | 1,141 |
| Return on Equity (ROE) | 15.6239% | 879 |
| Retained earnings to average equity (ytd only) | 8.1394% | 1,757 |
| Net charge-offs to loans | 0.0533% | 4,722 |
| Credit loss provision to net charge-offs | 116.6667% | 3,343 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 786 |
| Efficiency ratio | 57.0275% | 6,819 |
| Assets per employee ($millions) | 3.2061% | 5,578 |
| Cash dividends to net income (ytd only)* | 47.9042% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7991% | 7,161 |
| Loan loss allowance to noncurrent loans | 184.5361% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 6,117 |
| Noncurrent loans to loans | 0.4330% | 6,340 |
| Net loans and leases to total assets | 72.9558% | 3,014 |
| Net loans and leases to deposits | 79.0161% | 4,772 |
| Net loans and leases to core deposits | 95.4120% | 5,029 |
| Total domestic deposits to total assets | 92.3303% | 137 |
| Equity capital to assets | 7.0721% | 7,642 |
| Core capital (leverage) ratio | 6.9549% | 7,663 |
| Tier 1 risk-based capital ratio | 9.9798% | 6,949 |
| Total risk-based capital ratio | 10.8118% | 7,316 |
| Memoranda: | ||
| Average total assets | $60,255,000 | 6,466 |
| Average earning assets | $55,227,500 | 6,447 |
| Average equity | $4,275,500 | 7,356 |
| Average total loans | $44,989,500 | 6,012 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3294% | 561 |
| Cost of funding earning assets | 2.9997% | 1,864 |
| Net interest margin | 4.3297% | 1,884 |
| Noninterest income to average assets | 0.4600% | 4,969 |
| Noninterest expense to average assets | 2.5129% | 5,953 |
| Loan and lease loss provision to assets | 0.1092% | 5,977 |
| Net operating income to assets | 1.1491% | 1,946 |
| Return on assets (ROA) | 1.1491% | 1,873 |
| Pretax return on assets | 1.8059% | 931 |
| Return on Equity (ROE) | 15.6212% | 829 |
| Retained earnings to average equity (ytd only) | 7.1050% | 1,120 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7502% | 6,899 |
| Assets per employee ($millions) | 3.3108% | 5,190 |
| Cash dividends to net income (ytd only)* | 54.5171% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 7,144 |
| Loan loss allowance to noncurrent loans | 56.7568% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 1.1981% | 3,853 |
| Noncurrent loans to loans | 1.3922% | 3,729 |
| Net loans and leases to total assets | 75.2127% | 2,828 |
| Net loans and leases to deposits | 81.5008% | 4,795 |
| Net loans and leases to core deposits | 101.8034% | 4,637 |
| Total domestic deposits to total assets | 92.2846% | 102 |
| Equity capital to assets | 7.1197% | 7,671 |
| Core capital (leverage) ratio | 7.1150% | 7,602 |
| Tier 1 risk-based capital ratio | 9.5442% | 7,258 |
| Total risk-based capital ratio | 10.3541% | 7,672 |
| Memoranda: | ||
| Average total assets | $55,871,800 | 6,536 |
| Average earning assets | $51,204,600 | 6,540 |
| Average equity | $4,109,800 | 7,472 |
| Average total loans | $42,221,000 | 6,061 |