Home > Mississippi River Bank > Performance and Condition Ratios
Mississippi River Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6734% | 479 |
| Cost of funding earning assets | 0.1993% | 4,447 |
| Net interest margin | 6.4741% | 83 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 3.4077% | 633 |
| Loan and lease loss provision to assets | -0.0200% | 4,249 |
| Net operating income to assets | 3.1305% | 151 |
| Return on assets (ROA) | 3.1305% | 151 |
| Pretax return on assets | 3.1305% | 198 |
| Return on Equity (ROE) | 19.0600% | 512 |
| Retained earnings to average equity (ytd only) | 19.0584% | 229 |
| Net charge-offs to loans | 0.0622% | 945 |
| Credit loss provision to net charge-offs | -125.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | 230.2500% | 376 |
| Efficiency ratio | 52.2551% | 3,885 |
| Assets per employee ($millions) | 5.9486% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,324 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 20.1900% | 4,385 |
| Net loans and leases to deposits | 24.2939% | 4,386 |
| Net loans and leases to core deposits | 26.0140% | 4,420 |
| Total domestic deposits to total assets | 83.1200% | 2,954 |
| Equity capital to assets | 16.7461% | 405 |
| Core capital (leverage) ratio | 17.1339% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 84.5237% | 74 |
| Memoranda: | ||
| Average total assets | $118,320,000 | 3,666 |
| Average earning assets | $116,402,000 | 3,589 |
| Average equity | $19,435,000 | 2,998 |
| Average total loans | $25,708,500 | 4,211 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5876% | 318 |
| Cost of funding earning assets | 0.0501% | 4,500 |
| Net interest margin | 6.5375% | 79 |
| Noninterest income to average assets | 0.9000% | 766 |
| Noninterest expense to average assets | 4.2661% | 313 |
| Loan and lease loss provision to assets | -0.3600% | 4,582 |
| Net operating income to assets | 3.4261% | 130 |
| Return on assets (ROA) | 3.4261% | 127 |
| Pretax return on assets | 3.4261% | 153 |
| Return on Equity (ROE) | 24.9100% | 316 |
| Retained earnings to average equity (ytd only) | 18.7969% | 158 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.1645% | 3,282 |
| Assets per employee ($millions) | 5.8835% | 2,919 |
| Cash dividends to net income (ytd only)* | 24.5419% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 1,709 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 22.6800% | 4,382 |
| Net loans and leases to deposits | 27.2060% | 4,382 |
| Net loans and leases to core deposits | 27.4590% | 4,420 |
| Total domestic deposits to total assets | 83.3800% | 2,787 |
| Equity capital to assets | 16.1019% | 454 |
| Core capital (leverage) ratio | 15.6667% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 72.9123% | 76 |
| Memoranda: | ||
| Average total assets | $125,828,200 | 3,589 |
| Average earning assets | $123,838,800 | 3,509 |
| Average equity | $17,306,000 | 3,071 |
| Average total loans | $33,857,800 | 4,082 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4509% | 321 |
| Cost of funding earning assets | 0.0328% | 4,531 |
| Net interest margin | 6.4181% | 77 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 3.5171% | 543 |
| Loan and lease loss provision to assets | -0.3600% | 4,603 |
| Net operating income to assets | 3.3138% | 147 |
| Return on assets (ROA) | 3.3138% | 146 |
| Pretax return on assets | 3.3138% | 181 |
| Return on Equity (ROE) | 25.0800% | 382 |
| Retained earnings to average equity (ytd only) | 18.8208% | 305 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.3244% | 3,563 |
| Assets per employee ($millions) | 6.1647% | 2,603 |
| Cash dividends to net income (ytd only)* | 24.9528% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 1,394 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 26.1700% | 4,376 |
| Net loans and leases to deposits | 30.9295% | 4,370 |
| Net loans and leases to core deposits | 31.0901% | 4,373 |
| Total domestic deposits to total assets | 84.6000% | 2,622 |
| Equity capital to assets | 14.4362% | 592 |
| Core capital (leverage) ratio | 14.5433% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.3989% | 88 |
| Memoranda: | ||
| Average total assets | $127,868,000 | 3,586 |
| Average earning assets | $125,890,500 | 3,495 |
| Average equity | $16,895,750 | 3,090 |
| Average total loans | $35,560,750 | 4,079 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3855% | 289 |
| Cost of funding earning assets | 0.0141% | 4,565 |
| Net interest margin | 6.3714% | 82 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 3.3943% | 605 |
| Loan and lease loss provision to assets | -0.7400% | 4,643 |
| Net operating income to assets | 3.7730% | 108 |
| Return on assets (ROA) | 3.7730% | 110 |
| Pretax return on assets | 3.7730% | 125 |
| Return on Equity (ROE) | 29.4200% | 225 |
| Retained earnings to average equity (ytd only) | 23.0435% | 163 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.7885% | 3,713 |
| Assets per employee ($millions) | 6.3855% | 2,400 |
| Cash dividends to net income (ytd only)* | 21.6714% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 3,329 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 24.8700% | 4,409 |
| Net loans and leases to deposits | 28.9872% | 4,411 |
| Net loans and leases to core deposits | 29.1306% | 4,412 |
| Total domestic deposits to total assets | 85.7900% | 2,301 |
| Equity capital to assets | 13.5643% | 707 |
| Core capital (leverage) ratio | 13.9024% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.1800% | 84 |
| Memoranda: | ||
| Average total assets | $129,392,667 | 3,577 |
| Average earning assets | $127,413,667 | 3,492 |
| Average equity | $16,594,667 | 3,136 |
| Average total loans | $36,506,333 | 4,068 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2306% | 238 |
| Cost of funding earning assets | 0.0094% | 4,609 |
| Net interest margin | 6.2213% | 82 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 3.1236% | 899 |
| Loan and lease loss provision to assets | -0.4000% | 4,652 |
| Net operating income to assets | 3.5597% | 116 |
| Return on assets (ROA) | 3.5597% | 116 |
| Pretax return on assets | 3.5597% | 137 |
| Return on Equity (ROE) | 28.5600% | 268 |
| Retained earnings to average equity (ytd only) | 28.5635% | 126 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.6825% | 3,966 |
| Assets per employee ($millions) | 6.5930% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8289% | 629 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 27.5200% | 4,411 |
| Net loans and leases to deposits | 31.6801% | 4,415 |
| Net loans and leases to core deposits | 32.1124% | 4,424 |
| Total domestic deposits to total assets | 86.8700% | 2,315 |
| Equity capital to assets | 12.8470% | 801 |
| Core capital (leverage) ratio | 13.0235% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.6901% | 93 |
| Memoranda: | ||
| Average total assets | $130,234,000 | 3,612 |
| Average earning assets | $128,269,500 | 3,526 |
| Average equity | $16,230,500 | 3,196 |
| Average total loans | $38,716,000 | 4,092 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 901 |
| Cost of funding earning assets | 0.0125% | 4,636 |
| Net interest margin | 4.3774% | 361 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.3665% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.0906% | 250 |
| Return on assets (ROA) | 2.0906% | 241 |
| Pretax return on assets | 2.0906% | 384 |
| Return on Equity (ROE) | 17.0800% | 849 |
| Retained earnings to average equity (ytd only) | -4.5334% | 4,563 |
| Net charge-offs to loans | -0.0222% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.0949% | 3,873 |
| Assets per employee ($millions) | 6.1242% | 2,657 |
| Cash dividends to net income (ytd only)* | 126.5396% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9892% | 437 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 30.8400% | 4,370 |
| Net loans and leases to deposits | 35.1354% | 4,365 |
| Net loans and leases to core deposits | 35.8017% | 4,377 |
| Total domestic deposits to total assets | 87.7800% | 2,150 |
| Equity capital to assets | 12.0685% | 908 |
| Core capital (leverage) ratio | 12.0537% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.8323% | 120 |
| Memoranda: | ||
| Average total assets | $130,490,200 | 3,627 |
| Average earning assets | $128,432,400 | 3,544 |
| Average equity | $15,970,400 | 3,276 |
| Average total loans | $44,994,800 | 3,977 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 1,103 |
| Cost of funding earning assets | 0.0124% | 4,672 |
| Net interest margin | 4.0658% | 549 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.0810% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0657% | 262 |
| Return on assets (ROA) | 2.0657% | 264 |
| Pretax return on assets | 2.0657% | 406 |
| Return on Equity (ROE) | 16.8200% | 830 |
| Retained earnings to average equity (ytd only) | -9.6001% | 4,673 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.1841% | 4,147 |
| Assets per employee ($millions) | 6.3852% | 2,416 |
| Cash dividends to net income (ytd only)* | 157.0724% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 525 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 29.4500% | 4,437 |
| Net loans and leases to deposits | 33.2979% | 4,429 |
| Net loans and leases to core deposits | 33.8984% | 4,444 |
| Total domestic deposits to total assets | 88.4500% | 2,295 |
| Equity capital to assets | 11.2746% | 1,074 |
| Core capital (leverage) ratio | 11.3198% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.5570% | 126 |
| Memoranda: | ||
| Average total assets | $130,960,750 | 3,650 |
| Average earning assets | $128,844,500 | 3,560 |
| Average equity | $16,082,750 | 3,308 |
| Average total loans | $46,126,250 | 3,984 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 833 |
| Cost of funding earning assets | 0.0125% | 4,739 |
| Net interest margin | 4.0521% | 444 |
| Noninterest income to average assets | 0.1432% | 4,300 |
| Noninterest expense to average assets | 1.8781% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.2507% | 148 |
| Return on assets (ROA) | 2.2507% | 148 |
| Pretax return on assets | 2.2507% | 227 |
| Return on Equity (ROE) | 17.8246% | 493 |
| Retained earnings to average equity (ytd only) | -17.8002% | 4,716 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4884% | 4,474 |
| Assets per employee ($millions) | 7.0303% | 1,920 |
| Cash dividends to net income (ytd only)* | 199.8632% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 736 |
| Loan loss allowance to noncurrent loans | 4,416.6667% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,900 |
| Noncurrent loans to loans | 0.0419% | 3,631 |
| Net loans and leases to total assets | 29.9833% | 4,461 |
| Net loans and leases to deposits | 33.6827% | 4,455 |
| Net loans and leases to core deposits | 34.2578% | 4,474 |
| Total domestic deposits to total assets | 89.0167% | 2,179 |
| Equity capital to assets | 10.8303% | 1,294 |
| Core capital (leverage) ratio | 11.8993% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.2323% | 107 |
| Memoranda: | ||
| Average total assets | $129,918,000 | 3,700 |
| Average earning assets | $127,787,000 | 3,622 |
| Average equity | $16,404,333 | 3,369 |
| Average total loans | $48,072,333 | 3,991 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1265% | 2,885 |
| Cost of funding earning assets | 0.0131% | 4,752 |
| Net interest margin | 3.1134% | 2,126 |
| Noninterest income to average assets | 0.1381% | 4,327 |
| Noninterest expense to average assets | 2.3600% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8381% | 2,526 |
| Return on assets (ROA) | 0.8381% | 2,520 |
| Pretax return on assets | 0.8381% | 2,983 |
| Return on Equity (ROE) | 6.1439% | 3,310 |
| Retained earnings to average equity (ytd only) | 6.1439% | 2,201 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7952% | 1,764 |
| Assets per employee ($millions) | 5.5457% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 1,109 |
| Loan loss allowance to noncurrent loans | 3,057.6923% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,843 |
| Noncurrent loans to loans | 0.0545% | 3,592 |
| Net loans and leases to total assets | 36.7732% | 4,164 |
| Net loans and leases to deposits | 42.5226% | 4,141 |
| Net loans and leases to core deposits | 42.9128% | 4,208 |
| Total domestic deposits to total assets | 86.4792% | 3,108 |
| Equity capital to assets | 13.3969% | 623 |
| Core capital (leverage) ratio | 13.5473% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.2954% | 121 |
| Memoranda: | ||
| Average total assets | $124,574,500 | 3,777 |
| Average earning assets | $122,437,000 | 3,688 |
| Average equity | $16,992,500 | 3,395 |
| Average total loans | $50,632,000 | 3,961 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3632% | 3,020 |
| Cost of funding earning assets | 0.0213% | 4,771 |
| Net interest margin | 3.3419% | 2,200 |
| Noninterest income to average assets | 0.1586% | 4,356 |
| Noninterest expense to average assets | 2.2364% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2019% | 1,916 |
| Return on assets (ROA) | 1.2019% | 1,967 |
| Pretax return on assets | 1.2019% | 2,659 |
| Return on Equity (ROE) | 8.8797% | 2,962 |
| Retained earnings to average equity (ytd only) | 2.5575% | 3,813 |
| Net charge-offs to loans | -0.0444% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0433% | 2,394 |
| Assets per employee ($millions) | 5.7903% | 2,969 |
| Cash dividends to net income (ytd only)* | 71.1989% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 1,615 |
| Loan loss allowance to noncurrent loans | 376.7773% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 2,721 |
| Noncurrent loans to loans | 0.3939% | 2,180 |
| Net loans and leases to total assets | 43.3966% | 3,880 |
| Net loans and leases to deposits | 50.4638% | 3,853 |
| Net loans and leases to core deposits | 50.9520% | 3,971 |
| Total domestic deposits to total assets | 85.9955% | 2,907 |
| Equity capital to assets | 13.8959% | 682 |
| Core capital (leverage) ratio | 13.2555% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0985% | 118 |
| Memoranda: | ||
| Average total assets | $124,218,200 | 3,755 |
| Average earning assets | $121,907,800 | 3,665 |
| Average equity | $16,813,600 | 3,481 |
| Average total loans | $60,826,800 | 3,800 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3850% | 3,142 |
| Cost of funding earning assets | 0.0228% | 4,852 |
| Net interest margin | 3.3621% | 2,261 |
| Noninterest income to average assets | 0.1612% | 4,396 |
| Noninterest expense to average assets | 2.1579% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3026% | 1,823 |
| Return on assets (ROA) | 1.3026% | 1,877 |
| Pretax return on assets | 1.3026% | 2,617 |
| Return on Equity (ROE) | 9.6865% | 2,851 |
| Retained earnings to average equity (ytd only) | 3.3585% | 3,784 |
| Net charge-offs to loans | -0.0575% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3573% | 2,637 |
| Assets per employee ($millions) | 5.9542% | 2,738 |
| Cash dividends to net income (ytd only)* | 65.3279% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 1,729 |
| Loan loss allowance to noncurrent loans | 27.0869% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 2.3473% | 139 |
| Noncurrent loans to loans | 5.4422% | 66 |
| Net loans and leases to total assets | 42.4951% | 4,061 |
| Net loans and leases to deposits | 49.3347% | 4,038 |
| Net loans and leases to core deposits | 49.7980% | 4,153 |
| Total domestic deposits to total assets | 86.1362% | 2,695 |
| Equity capital to assets | 13.5295% | 842 |
| Core capital (leverage) ratio | 13.1204% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6218% | 120 |
| Memoranda: | ||
| Average total assets | $124,873,500 | 3,782 |
| Average earning assets | $122,538,000 | 3,690 |
| Average equity | $16,792,750 | 3,527 |
| Average total loans | $62,642,500 | 3,828 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1917% | 3,692 |
| Cost of funding earning assets | 0.0261% | 4,887 |
| Net interest margin | 3.1655% | 2,860 |
| Noninterest income to average assets | 0.1522% | 4,441 |
| Noninterest expense to average assets | 2.0494% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2098% | 2,156 |
| Return on assets (ROA) | 1.2098% | 2,224 |
| Pretax return on assets | 1.2098% | 2,877 |
| Return on Equity (ROE) | 9.0142% | 3,092 |
| Retained earnings to average equity (ytd only) | 2.6744% | 3,948 |
| Net charge-offs to loans | -0.0824% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8810% | 2,599 |
| Assets per employee ($millions) | 6.2747% | 2,365 |
| Cash dividends to net income (ytd only)* | 70.3311% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,854 |
| Loan loss allowance to noncurrent loans | 27.0777% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 2.3396% | 160 |
| Noncurrent loans to loans | 4.4822% | 107 |
| Net loans and leases to total assets | 51.5638% | 3,388 |
| Net loans and leases to deposits | 59.6671% | 3,419 |
| Net loans and leases to core deposits | 60.5085% | 3,582 |
| Total domestic deposits to total assets | 86.4192% | 2,585 |
| Equity capital to assets | 13.3346% | 860 |
| Core capital (leverage) ratio | 13.0893% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3550% | 154 |
| Memoranda: | ||
| Average total assets | $124,818,667 | 3,799 |
| Average earning assets | $122,506,667 | 3,707 |
| Average equity | $16,751,333 | 3,536 |
| Average total loans | $65,546,667 | 3,804 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3869% | 3,236 |
| Cost of funding earning assets | 0.0262% | 4,921 |
| Net interest margin | 3.3607% | 2,217 |
| Noninterest income to average assets | 0.1542% | 4,430 |
| Noninterest expense to average assets | 2.1786% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2725% | 1,916 |
| Return on assets (ROA) | 1.2725% | 1,994 |
| Pretax return on assets | 1.2725% | 2,647 |
| Return on Equity (ROE) | 9.4511% | 2,867 |
| Retained earnings to average equity (ytd only) | 9.4511% | 1,811 |
| Net charge-offs to loans | -0.0732% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1285% | 2,586 |
| Assets per employee ($millions) | 6.0836% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,229 |
| Loan loss allowance to noncurrent loans | 26.0521% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 2.3435% | 186 |
| Noncurrent loans to loans | 4.3889% | 114 |
| Net loans and leases to total assets | 52.7858% | 3,371 |
| Net loans and leases to deposits | 60.9567% | 3,413 |
| Net loans and leases to core deposits | 62.3966% | 3,550 |
| Total domestic deposits to total assets | 86.5955% | 2,484 |
| Equity capital to assets | 13.2573% | 848 |
| Core capital (leverage) ratio | 13.3316% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9616% | 170 |
| Memoranda: | ||
| Average total assets | $124,481,500 | 3,808 |
| Average earning assets | $122,116,000 | 3,716 |
| Average equity | $16,760,000 | 3,533 |
| Average total loans | $65,568,000 | 3,819 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6007% | 3,813 |
| Cost of funding earning assets | 0.0436% | 4,945 |
| Net interest margin | 3.5571% | 2,285 |
| Noninterest income to average assets | 0.3131% | 3,592 |
| Noninterest expense to average assets | 2.5291% | 2,758 |
| Loan and lease loss provision to assets | 0.1221% | 2,842 |
| Net operating income to assets | 1.1451% | 1,743 |
| Return on assets (ROA) | 1.1747% | 1,748 |
| Pretax return on assets | 1.1747% | 2,417 |
| Return on Equity (ROE) | 8.0756% | 2,784 |
| Retained earnings to average equity (ytd only) | 1.7027% | 3,951 |
| Net charge-offs to loans | 0.3607% | 480 |
| Credit loss provision to net charge-offs | 64.5161% | 3,069 |
| Earnings coverage of net charge-offs (x) | 6.6959% | 2,755 |
| Efficiency ratio | 66.6207% | 2,423 |
| Assets per employee ($millions) | 5.7718% | 2,562 |
| Cash dividends to net income (ytd only)* | 78.9161% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,838 |
| Loan loss allowance to noncurrent loans | 25.6342% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 2.4718% | 184 |
| Noncurrent loans to loans | 4.7617% | 100 |
| Net loans and leases to total assets | 51.2767% | 3,723 |
| Net loans and leases to deposits | 59.4610% | 3,800 |
| Net loans and leases to core deposits | 60.7988% | 3,899 |
| Total domestic deposits to total assets | 86.2359% | 2,259 |
| Equity capital to assets | 13.6816% | 880 |
| Core capital (leverage) ratio | 13.2049% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8281% | 179 |
| Memoranda: | ||
| Average total assets | $114,664,000 | 3,814 |
| Average earning assets | $112,283,400 | 3,730 |
| Average equity | $16,679,800 | 3,485 |
| Average total loans | $60,168,400 | 3,913 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 3,820 |
| Cost of funding earning assets | 0.0482% | 4,983 |
| Net interest margin | 3.6400% | 2,122 |
| Noninterest income to average assets | 0.3562% | 3,326 |
| Noninterest expense to average assets | 2.3545% | 3,272 |
| Loan and lease loss provision to assets | 0.1177% | 2,851 |
| Net operating income to assets | 1.4474% | 1,001 |
| Return on assets (ROA) | 1.4875% | 1,014 |
| Pretax return on assets | 1.4875% | 1,473 |
| Return on Equity (ROE) | 10.0652% | 1,997 |
| Retained earnings to average equity (ytd only) | 3.7036% | 3,192 |
| Net charge-offs to loans | 0.1681% | 874 |
| Credit loss provision to net charge-offs | 133.3333% | 2,427 |
| Earnings coverage of net charge-offs (x) | 17.6933% | 1,997 |
| Efficiency ratio | 60.0662% | 3,384 |
| Assets per employee ($millions) | 5.8232% | 2,424 |
| Cash dividends to net income (ytd only)* | 63.2038% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 1,984 |
| Loan loss allowance to noncurrent loans | 27.6894% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.5751% | 203 |
| Noncurrent loans to loans | 4.8542% | 115 |
| Net loans and leases to total assets | 52.2198% | 3,954 |
| Net loans and leases to deposits | 60.6883% | 4,012 |
| Net loans and leases to core deposits | 62.2440% | 4,089 |
| Total domestic deposits to total assets | 86.0459% | 2,049 |
| Equity capital to assets | 13.7570% | 921 |
| Core capital (leverage) ratio | 13.3517% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4514% | 171 |
| Memoranda: | ||
| Average total assets | $113,028,250 | 3,834 |
| Average earning assets | $110,655,500 | 3,741 |
| Average equity | $16,704,000 | 3,480 |
| Average total loans | $59,480,750 | 3,949 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7824% | 3,908 |
| Cost of funding earning assets | 0.0558% | 5,019 |
| Net interest margin | 3.7266% | 2,067 |
| Noninterest income to average assets | 0.4748% | 2,686 |
| Noninterest expense to average assets | 2.4340% | 3,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6863% | 636 |
| Return on assets (ROA) | 1.7482% | 612 |
| Pretax return on assets | 1.7482% | 896 |
| Return on Equity (ROE) | 11.5336% | 1,470 |
| Retained earnings to average equity (ytd only) | 5.1607% | 2,395 |
| Net charge-offs to loans | -0.0416% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0728% | 3,543 |
| Assets per employee ($millions) | 5.6407% | 2,500 |
| Cash dividends to net income (ytd only)* | 55.2549% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 2,166 |
| Loan loss allowance to noncurrent loans | 32.1094% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.2532% | 283 |
| Noncurrent loans to loans | 3.9468% | 173 |
| Net loans and leases to total assets | 56.3649% | 3,658 |
| Net loans and leases to deposits | 65.8244% | 3,741 |
| Net loans and leases to core deposits | 67.6217% | 3,881 |
| Total domestic deposits to total assets | 85.6291% | 2,151 |
| Equity capital to assets | 14.1995% | 810 |
| Core capital (leverage) ratio | 14.3172% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8952% | 186 |
| Memoranda: | ||
| Average total assets | $109,942,000 | 3,869 |
| Average earning assets | $107,551,333 | 3,778 |
| Average equity | $16,664,333 | 3,487 |
| Average total loans | $57,731,667 | 3,982 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 3,046 |
| Cost of funding earning assets | 0.0658% | 5,067 |
| Net interest margin | 4.1904% | 940 |
| Noninterest income to average assets | 0.4353% | 2,879 |
| Noninterest expense to average assets | 2.3693% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1649% | 196 |
| Return on assets (ROA) | 2.1649% | 213 |
| Pretax return on assets | 2.1649% | 322 |
| Return on Equity (ROE) | 13.7944% | 742 |
| Retained earnings to average equity (ytd only) | 13.7944% | 269 |
| Net charge-offs to loans | -0.0227% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2538% | 4,539 |
| Assets per employee ($millions) | 5.0103% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 940 |
| Loan loss allowance to noncurrent loans | 31.7722% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 2.5367% | 264 |
| Noncurrent loans to loans | 5.2116% | 114 |
| Net loans and leases to total assets | 47.8682% | 4,343 |
| Net loans and leases to deposits | 57.1213% | 4,315 |
| Net loans and leases to core deposits | 59.1298% | 4,394 |
| Total domestic deposits to total assets | 83.8009% | 2,854 |
| Equity capital to assets | 16.0888% | 567 |
| Core capital (leverage) ratio | 15.7668% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4707% | 191 |
| Memoranda: | ||
| Average total assets | $105,685,500 | 3,906 |
| Average earning assets | $103,378,500 | 3,831 |
| Average equity | $16,586,500 | 3,507 |
| Average total loans | $52,785,500 | 4,098 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3715% | 708 |
| Cost of funding earning assets | 0.0999% | 5,107 |
| Net interest margin | 5.2716% | 162 |
| Noninterest income to average assets | 0.5532% | 2,453 |
| Noninterest expense to average assets | 3.1347% | 1,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.5796% | 123 |
| Return on assets (ROA) | 2.6738% | 113 |
| Pretax return on assets | 2.6738% | 154 |
| Return on Equity (ROE) | 19.2931% | 251 |
| Retained earnings to average equity (ytd only) | 12.3481% | 214 |
| Net charge-offs to loans | 0.2561% | 807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 18.1465% | 2,072 |
| Efficiency ratio | 54.8566% | 4,335 |
| Assets per employee ($millions) | 5.0550% | 2,512 |
| Cash dividends to net income (ytd only)* | 35.9973% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 1,076 |
| Loan loss allowance to noncurrent loans | 29.5558% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 2.7055% | 218 |
| Noncurrent loans to loans | 5.2596% | 91 |
| Net loans and leases to total assets | 50.4102% | 4,315 |
| Net loans and leases to deposits | 59.6704% | 4,307 |
| Net loans and leases to core deposits | 62.6103% | 4,338 |
| Total domestic deposits to total assets | 84.4812% | 2,692 |
| Equity capital to assets | 15.3031% | 727 |
| Core capital (leverage) ratio | 14.6916% | 744 |
| Tier 1 risk-based capital ratio | 31.6844% | 427 |
| Total risk-based capital ratio | 32.9393% | 420 |
| Memoranda: | ||
| Average total assets | $110,442,200 | 3,824 |
| Average earning assets | $108,127,000 | 3,746 |
| Average equity | $15,306,000 | 3,609 |
| Average total loans | $61,310,000 | 3,959 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7709% | 370 |
| Cost of funding earning assets | 0.1075% | 5,173 |
| Net interest margin | 5.6635% | 92 |
| Noninterest income to average assets | 0.6277% | 2,081 |
| Noninterest expense to average assets | 3.2545% | 1,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.9173% | 94 |
| Return on assets (ROA) | 3.0417% | 82 |
| Pretax return on assets | 3.0417% | 109 |
| Return on Equity (ROE) | 22.5059% | 146 |
| Retained earnings to average equity (ytd only) | 15.4551% | 125 |
| Net charge-offs to loans | 0.3024% | 578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 17.0631% | 2,113 |
| Efficiency ratio | 52.7315% | 4,534 |
| Assets per employee ($millions) | 5.0254% | 2,527 |
| Cash dividends to net income (ytd only)* | 31.3286% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 1,269 |
| Loan loss allowance to noncurrent loans | 106.1805% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 1,835 |
| Noncurrent loans to loans | 1.4052% | 1,086 |
| Net loans and leases to total assets | 51.2962% | 4,352 |
| Net loans and leases to deposits | 60.6487% | 4,356 |
| Net loans and leases to core deposits | 63.7371% | 4,384 |
| Total domestic deposits to total assets | 84.5791% | 2,592 |
| Equity capital to assets | 14.6285% | 944 |
| Core capital (leverage) ratio | 14.4070% | 878 |
| Tier 1 risk-based capital ratio | 31.4286% | 438 |
| Total risk-based capital ratio | 32.6826% | 433 |
| Memoranda: | ||
| Average total assets | $111,514,000 | 3,854 |
| Average earning assets | $109,164,750 | 3,763 |
| Average equity | $15,071,250 | 3,666 |
| Average total loans | $63,048,000 | 3,971 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8478% | 306 |
| Cost of funding earning assets | 0.1060% | 5,220 |
| Net interest margin | 5.7418% | 85 |
| Noninterest income to average assets | 0.7958% | 1,364 |
| Noninterest expense to average assets | 3.2906% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 3.1225% | 77 |
| Return on assets (ROA) | 3.1225% | 82 |
| Pretax return on assets | 3.1225% | 105 |
| Return on Equity (ROE) | 23.7486% | 123 |
| Retained earnings to average equity (ytd only) | 16.5261% | 117 |
| Net charge-offs to loans | 0.0432% | 2,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 124.7143% | 587 |
| Efficiency ratio | 51.3107% | 4,701 |
| Assets per employee ($millions) | 5.1200% | 2,333 |
| Cash dividends to net income (ytd only)* | 30.4124% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 1,228 |
| Loan loss allowance to noncurrent loans | 85.6895% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0422% | 1,323 |
| Noncurrent loans to loans | 1.7674% | 855 |
| Net loans and leases to total assets | 57.0378% | 4,006 |
| Net loans and leases to deposits | 66.6909% | 4,047 |
| Net loans and leases to core deposits | 69.0030% | 4,153 |
| Total domestic deposits to total assets | 85.5257% | 2,251 |
| Equity capital to assets | 13.9265% | 1,143 |
| Core capital (leverage) ratio | 13.6765% | 1,060 |
| Tier 1 risk-based capital ratio | 24.4824% | 807 |
| Total risk-based capital ratio | 25.7361% | 788 |
| Memoranda: | ||
| Average total assets | $111,832,670 | 3,872 |
| Average earning assets | $109,408,330 | 3,784 |
| Average equity | $14,704,000 | 3,706 |
| Average total loans | $64,873,670 | 3,960 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7812% | 319 |
| Cost of funding earning assets | 0.0990% | 5,285 |
| Net interest margin | 5.6822% | 91 |
| Noninterest income to average assets | 0.3371% | 3,606 |
| Noninterest expense to average assets | 3.0519% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.8439% | 96 |
| Return on assets (ROA) | 2.8439% | 105 |
| Pretax return on assets | 2.8439% | 150 |
| Return on Equity (ROE) | 22.1477% | 171 |
| Retained earnings to average equity (ytd only) | 22.1477% | 71 |
| Net charge-offs to loans | -0.0124% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7640% | 4,711 |
| Assets per employee ($millions) | 5.0280% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 1,206 |
| Loan loss allowance to noncurrent loans | 133.5106% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 2,004 |
| Noncurrent loans to loans | 1.1545% | 1,447 |
| Net loans and leases to total assets | 57.9766% | 3,895 |
| Net loans and leases to deposits | 67.1645% | 3,968 |
| Net loans and leases to core deposits | 69.5145% | 4,102 |
| Total domestic deposits to total assets | 86.3204% | 2,134 |
| Equity capital to assets | 13.4193% | 1,240 |
| Core capital (leverage) ratio | 13.6556% | 1,047 |
| Tier 1 risk-based capital ratio | 23.8360% | 855 |
| Total risk-based capital ratio | 25.0895% | 833 |
| Memoranda: | ||
| Average total assets | $111,538,000 | 3,910 |
| Average earning assets | $109,112,000 | 3,827 |
| Average equity | $14,322,000 | 3,757 |
| Average total loans | $64,692,500 | 3,996 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2828% | 600 |
| Cost of funding earning assets | 0.0453% | 5,366 |
| Net interest margin | 5.2375% | 179 |
| Noninterest income to average assets | 0.4856% | 2,908 |
| Noninterest expense to average assets | 2.9142% | 2,304 |
| Loan and lease loss provision to assets | -0.2024% | 5,333 |
| Net operating income to assets | 2.8977% | 91 |
| Return on assets (ROA) | 2.8977% | 90 |
| Pretax return on assets | 2.8977% | 107 |
| Return on Equity (ROE) | 24.4503% | 100 |
| Retained earnings to average equity (ytd only) | 6.9261% | 1,709 |
| Net charge-offs to loans | -0.0093% | 4,470 |
| Credit loss provision to net charge-offs | 3,883.3333% | 134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9511% | 4,801 |
| Assets per employee ($millions) | 5.1118% | 2,368 |
| Cash dividends to net income (ytd only)* | 71.6727% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,117 |
| Loan loss allowance to noncurrent loans | 79.2095% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.1506% | 1,151 |
| Noncurrent loans to loans | 1.9689% | 690 |
| Net loans and leases to total assets | 56.2401% | 4,119 |
| Net loans and leases to deposits | 64.2748% | 4,242 |
| Net loans and leases to core deposits | 66.5240% | 4,323 |
| Total domestic deposits to total assets | 87.4994% | 1,537 |
| Equity capital to assets | 12.2711% | 1,715 |
| Core capital (leverage) ratio | 11.9984% | 1,736 |
| Tier 1 risk-based capital ratio | 22.1475% | 1,010 |
| Total risk-based capital ratio | 23.4005% | 989 |
| Memoranda: | ||
| Average total assets | $115,125,200 | 3,869 |
| Average earning assets | $112,630,600 | 3,766 |
| Average equity | $13,644,000 | 3,792 |
| Average total loans | $64,632,000 | 3,993 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 794 |
| Cost of funding earning assets | 0.0388% | 5,444 |
| Net interest margin | 5.0429% | 244 |
| Noninterest income to average assets | 0.5228% | 2,727 |
| Noninterest expense to average assets | 2.8349% | 2,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.6207% | 129 |
| Return on assets (ROA) | 2.6207% | 126 |
| Pretax return on assets | 2.6207% | 186 |
| Return on Equity (ROE) | 22.3050% | 156 |
| Retained earnings to average equity (ytd only) | 14.4943% | 203 |
| Net charge-offs to loans | -0.0062% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9629% | 4,815 |
| Assets per employee ($millions) | 5.3781% | 2,040 |
| Cash dividends to net income (ytd only)* | 35.0176% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8944% | 603 |
| Loan loss allowance to noncurrent loans | 228.5714% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 2,755 |
| Noncurrent loans to loans | 0.8288% | 2,049 |
| Net loans and leases to total assets | 53.9237% | 4,364 |
| Net loans and leases to deposits | 61.6302% | 4,460 |
| Net loans and leases to core deposits | 63.8288% | 4,529 |
| Total domestic deposits to total assets | 87.4957% | 1,491 |
| Equity capital to assets | 11.9254% | 1,953 |
| Core capital (leverage) ratio | 12.6769% | 1,431 |
| Tier 1 risk-based capital ratio | 23.5375% | 886 |
| Total risk-based capital ratio | 24.7954% | 867 |
| Memoranda: | ||
| Average total assets | $115,791,750 | 3,895 |
| Average earning assets | $113,264,500 | 3,794 |
| Average equity | $13,605,000 | 3,828 |
| Average total loans | $64,727,750 | 4,027 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8059% | 1,230 |
| Cost of funding earning assets | 0.0391% | 5,503 |
| Net interest margin | 4.7668% | 379 |
| Noninterest income to average assets | 0.6055% | 2,294 |
| Noninterest expense to average assets | 2.7473% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.5229% | 144 |
| Return on assets (ROA) | 2.5229% | 146 |
| Pretax return on assets | 2.5229% | 217 |
| Return on Equity (ROE) | 21.5827% | 180 |
| Retained earnings to average equity (ytd only) | 13.6790% | 308 |
| Net charge-offs to loans | -0.0062% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1294% | 4,874 |
| Assets per employee ($millions) | 5.2297% | 2,164 |
| Cash dividends to net income (ytd only)* | 36.6207% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9219% | 609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 4,866 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 54.6009% | 4,285 |
| Net loans and leases to deposits | 62.2282% | 4,409 |
| Net loans and leases to core deposits | 64.9611% | 4,433 |
| Total domestic deposits to total assets | 87.7430% | 1,509 |
| Equity capital to assets | 11.8754% | 1,941 |
| Core capital (leverage) ratio | 12.3683% | 1,511 |
| Tier 1 risk-based capital ratio | 23.1922% | 914 |
| Total risk-based capital ratio | 24.4511% | 897 |
| Memoranda: | ||
| Average total assets | $114,949,330 | 3,939 |
| Average earning assets | $112,487,000 | 3,839 |
| Average equity | $13,436,670 | 3,877 |
| Average total loans | $64,625,670 | 4,057 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 1,130 |
| Cost of funding earning assets | 0.0427% | 5,563 |
| Net interest margin | 4.7330% | 382 |
| Noninterest income to average assets | 0.8564% | 1,276 |
| Noninterest expense to average assets | 2.8303% | 2,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.6598% | 116 |
| Return on assets (ROA) | 2.6598% | 117 |
| Pretax return on assets | 2.6598% | 171 |
| Return on Equity (ROE) | 22.9369% | 131 |
| Retained earnings to average equity (ytd only) | 22.9369% | 65 |
| Net charge-offs to loans | -0.0062% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5536% | 4,994 |
| Assets per employee ($millions) | 5.3346% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9554% | 594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 52.5498% | 4,401 |
| Net loans and leases to deposits | 59.5777% | 4,504 |
| Net loans and leases to core deposits | 61.9387% | 4,557 |
| Total domestic deposits to total assets | 88.2039% | 1,502 |
| Equity capital to assets | 11.5643% | 2,080 |
| Core capital (leverage) ratio | 12.3401% | 1,460 |
| Tier 1 risk-based capital ratio | 22.9140% | 953 |
| Total risk-based capital ratio | 24.1733% | 931 |
| Memoranda: | ||
| Average total assets | $114,897,500 | 3,980 |
| Average earning assets | $112,486,000 | 3,878 |
| Average equity | $13,323,500 | 3,926 |
| Average total loans | $64,913,000 | 4,076 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8739% | 847 |
| Cost of funding earning assets | 0.0464% | 5,621 |
| Net interest margin | 4.8275% | 330 |
| Noninterest income to average assets | 0.3937% | 3,678 |
| Noninterest expense to average assets | 2.7314% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.3840% | 141 |
| Return on assets (ROA) | 2.4093% | 139 |
| Pretax return on assets | 2.4093% | 213 |
| Return on Equity (ROE) | 21.3594% | 149 |
| Retained earnings to average equity (ytd only) | 3.5276% | 3,162 |
| Net charge-offs to loans | -0.0043% | 4,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3958% | 4,998 |
| Assets per employee ($millions) | 4.8884% | 2,616 |
| Cash dividends to net income (ytd only)* | 83.4846% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8364% | 731 |
| Loan loss allowance to noncurrent loans | 137.0123% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.1064% | 1,372 |
| Noncurrent loans to loans | 1.3403% | 1,301 |
| Net loans and leases to total assets | 58.4289% | 3,972 |
| Net loans and leases to deposits | 66.4039% | 4,158 |
| Net loans and leases to core deposits | 70.1477% | 4,166 |
| Total domestic deposits to total assets | 87.9903% | 1,507 |
| Equity capital to assets | 11.6290% | 2,099 |
| Core capital (leverage) ratio | 11.0420% | 2,301 |
| Tier 1 risk-based capital ratio | 20.2414% | 1,271 |
| Total risk-based capital ratio | 21.4990% | 1,239 |
| Memoranda: | ||
| Average total assets | $118,874,800 | 3,915 |
| Average earning assets | $116,271,800 | 3,811 |
| Average equity | $13,408,600 | 3,930 |
| Average total loans | $70,423,200 | 3,950 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 1,569 |
| Cost of funding earning assets | 0.0441% | 5,692 |
| Net interest margin | 4.4828% | 624 |
| Noninterest income to average assets | 0.3939% | 3,731 |
| Noninterest expense to average assets | 2.6404% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.1402% | 244 |
| Return on assets (ROA) | 2.1402% | 247 |
| Pretax return on assets | 2.1402% | 415 |
| Return on Equity (ROE) | 19.1121% | 274 |
| Retained earnings to average equity (ytd only) | 11.2360% | 382 |
| Net charge-offs to loans | -0.0037% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2315% | 4,821 |
| Assets per employee ($millions) | 5.5329% | 1,895 |
| Cash dividends to net income (ytd only)* | 41.2100% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 921 |
| Loan loss allowance to noncurrent loans | 46.9240% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 2.4383% | 459 |
| Noncurrent loans to loans | 3.7524% | 280 |
| Net loans and leases to total assets | 56.2864% | 4,209 |
| Net loans and leases to deposits | 63.9046% | 4,384 |
| Net loans and leases to core deposits | 66.8958% | 4,428 |
| Total domestic deposits to total assets | 88.0788% | 1,327 |
| Equity capital to assets | 11.4546% | 2,417 |
| Core capital (leverage) ratio | 11.7043% | 1,877 |
| Tier 1 risk-based capital ratio | 20.1846% | 1,323 |
| Total risk-based capital ratio | 21.4411% | 1,295 |
| Memoranda: | ||
| Average total assets | $120,485,000 | 3,924 |
| Average earning assets | $117,898,750 | 3,821 |
| Average equity | $13,492,000 | 3,960 |
| Average total loans | $71,298,250 | 3,962 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 1,496 |
| Cost of funding earning assets | 0.0425% | 5,733 |
| Net interest margin | 4.4644% | 617 |
| Noninterest income to average assets | 0.3948% | 3,725 |
| Noninterest expense to average assets | 2.6734% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0921% | 261 |
| Return on assets (ROA) | 2.0921% | 267 |
| Pretax return on assets | 2.0921% | 454 |
| Return on Equity (ROE) | 18.8282% | 273 |
| Retained earnings to average equity (ytd only) | 10.8682% | 459 |
| Net charge-offs to loans | -0.0056% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0993% | 4,820 |
| Assets per employee ($millions) | 5.3890% | 1,978 |
| Cash dividends to net income (ytd only)* | 42.2771% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 950 |
| Loan loss allowance to noncurrent loans | 46.9060% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.5077% | 433 |
| Noncurrent loans to loans | 3.7684% | 274 |
| Net loans and leases to total assets | 57.5622% | 4,077 |
| Net loans and leases to deposits | 65.2821% | 4,277 |
| Net loans and leases to core deposits | 68.1064% | 4,342 |
| Total domestic deposits to total assets | 88.1745% | 1,367 |
| Equity capital to assets | 11.4637% | 2,346 |
| Core capital (leverage) ratio | 11.2630% | 2,162 |
| Tier 1 risk-based capital ratio | 20.0021% | 1,371 |
| Total risk-based capital ratio | 21.2587% | 1,332 |
| Memoranda: | ||
| Average total assets | $120,072,000 | 3,963 |
| Average earning assets | $117,552,670 | 3,846 |
| Average equity | $13,341,670 | 3,992 |
| Average total loans | $71,817,000 | 3,978 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 1,032 |
| Cost of funding earning assets | 0.0439% | 5,798 |
| Net interest margin | 4.6050% | 441 |
| Noninterest income to average assets | 0.3476% | 4,064 |
| Noninterest expense to average assets | 2.6119% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2478% | 210 |
| Return on assets (ROA) | 2.2478% | 214 |
| Pretax return on assets | 2.2478% | 327 |
| Return on Equity (ROE) | 20.5493% | 208 |
| Retained earnings to average equity (ytd only) | 20.5493% | 99 |
| Net charge-offs to loans | -0.0055% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7466% | 5,151 |
| Assets per employee ($millions) | 5.6160% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 1,146 |
| Loan loss allowance to noncurrent loans | 24,540.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,906 |
| Noncurrent loans to loans | 0.0069% | 5,229 |
| Net loans and leases to total assets | 57.5364% | 4,013 |
| Net loans and leases to deposits | 64.7780% | 4,267 |
| Net loans and leases to core deposits | 67.4408% | 4,329 |
| Total domestic deposits to total assets | 88.8210% | 1,243 |
| Equity capital to assets | 10.9589% | 2,674 |
| Core capital (leverage) ratio | 11.2032% | 2,184 |
| Tier 1 risk-based capital ratio | 19.6365% | 1,470 |
| Total risk-based capital ratio | 20.8918% | 1,436 |
| Memoranda: | ||
| Average total assets | $120,829,500 | 3,983 |
| Average earning assets | $118,394,000 | 3,861 |
| Average equity | $13,217,000 | 4,028 |
| Average total loans | $72,989,500 | 3,974 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 673 |
| Cost of funding earning assets | 0.0496% | 5,838 |
| Net interest margin | 4.8894% | 297 |
| Noninterest income to average assets | 0.4899% | 3,304 |
| Noninterest expense to average assets | 2.8369% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.4271% | 156 |
| Return on assets (ROA) | 2.5606% | 137 |
| Pretax return on assets | 2.5606% | 184 |
| Return on Equity (ROE) | 21.1400% | 174 |
| Retained earnings to average equity (ytd only) | -8.4891% | 5,765 |
| Net charge-offs to loans | -0.1064% | 5,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8925% | 5,253 |
| Assets per employee ($millions) | 5.3685% | 1,990 |
| Cash dividends to net income (ytd only)* | 140.1565% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6643% | 1,226 |
| Loan loss allowance to noncurrent loans | 3,831.2500% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 3,832 |
| Noncurrent loans to loans | 0.0434% | 5,073 |
| Net loans and leases to total assets | 61.3330% | 3,680 |
| Net loans and leases to deposits | 69.1427% | 3,993 |
| Net loans and leases to core deposits | 72.4119% | 4,063 |
| Total domestic deposits to total assets | 88.7051% | 1,267 |
| Equity capital to assets | 10.9173% | 2,698 |
| Core capital (leverage) ratio | 10.4923% | 2,890 |
| Tier 1 risk-based capital ratio | 18.4086% | 1,750 |
| Total risk-based capital ratio | 19.6642% | 1,716 |
| Memoranda: | ||
| Average total assets | $119,814,200 | 4,003 |
| Average earning assets | $116,987,200 | 3,885 |
| Average equity | $14,512,800 | 3,871 |
| Average total loans | $76,100,000 | 3,898 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 624 |
| Cost of funding earning assets | 0.0500% | 5,904 |
| Net interest margin | 4.9338% | 288 |
| Noninterest income to average assets | 0.5334% | 3,025 |
| Noninterest expense to average assets | 3.0837% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.2632% | 218 |
| Return on assets (ROA) | 2.4406% | 178 |
| Pretax return on assets | 2.4406% | 243 |
| Return on Equity (ROE) | 19.6721% | 261 |
| Retained earnings to average equity (ytd only) | 12.5219% | 248 |
| Net charge-offs to loans | -0.1390% | 5,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6732% | 4,860 |
| Assets per employee ($millions) | 4.9012% | 2,489 |
| Cash dividends to net income (ytd only)* | 36.3472% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 1,528 |
| Loan loss allowance to noncurrent loans | 3,712.1212% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 3,949 |
| Noncurrent loans to loans | 0.0427% | 5,190 |
| Net loans and leases to total assets | 64.7238% | 3,309 |
| Net loans and leases to deposits | 75.2744% | 3,473 |
| Net loans and leases to core deposits | 78.3554% | 3,627 |
| Total domestic deposits to total assets | 85.9839% | 2,360 |
| Equity capital to assets | 13.3955% | 1,291 |
| Core capital (leverage) ratio | 13.1994% | 1,109 |
| Tier 1 risk-based capital ratio | 21.1213% | 1,245 |
| Total risk-based capital ratio | 22.3754% | 1,221 |
| Memoranda: | ||
| Average total assets | $120,241,250 | 4,016 |
| Average earning assets | $117,309,500 | 3,903 |
| Average equity | $14,917,500 | 3,849 |
| Average total loans | $76,709,000 | 3,909 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9439% | 651 |
| Cost of funding earning assets | 0.0457% | 5,998 |
| Net interest margin | 4.8982% | 317 |
| Noninterest income to average assets | 0.3963% | 3,896 |
| Noninterest expense to average assets | 3.0567% | 2,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1204% | 264 |
| Return on assets (ROA) | 2.1204% | 279 |
| Pretax return on assets | 2.1204% | 446 |
| Return on Equity (ROE) | 17.5438% | 394 |
| Retained earnings to average equity (ytd only) | 10.2612% | 546 |
| Net charge-offs to loans | -0.1935% | 5,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0431% | 4,765 |
| Assets per employee ($millions) | 4.9765% | 2,324 |
| Cash dividends to net income (ytd only)* | 41.5109% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 1,662 |
| Loan loss allowance to noncurrent loans | 3,809.3750% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 4,023 |
| Noncurrent loans to loans | 0.0408% | 5,301 |
| Net loans and leases to total assets | 64.6902% | 3,265 |
| Net loans and leases to deposits | 74.3524% | 3,546 |
| Net loans and leases to core deposits | 77.3096% | 3,711 |
| Total domestic deposits to total assets | 87.0049% | 1,916 |
| Equity capital to assets | 12.6368% | 1,694 |
| Core capital (leverage) ratio | 12.5539% | 1,326 |
| Tier 1 risk-based capital ratio | 19.5280% | 1,557 |
| Total risk-based capital ratio | 20.7819% | 1,520 |
| Memoranda: | ||
| Average total assets | $121,112,000 | 4,022 |
| Average earning assets | $118,206,330 | 3,909 |
| Average equity | $14,637,670 | 3,905 |
| Average total loans | $76,492,330 | 3,936 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 846 |
| Cost of funding earning assets | 0.0471% | 6,057 |
| Net interest margin | 4.7532% | 393 |
| Noninterest income to average assets | 0.4067% | 3,772 |
| Noninterest expense to average assets | 3.3260% | 1,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7187% | 551 |
| Return on assets (ROA) | 1.7187% | 587 |
| Pretax return on assets | 1.7187% | 1,023 |
| Return on Equity (ROE) | 14.5455% | 739 |
| Retained earnings to average equity (ytd only) | 14.5455% | 280 |
| Net charge-offs to loans | -0.3073% | 5,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9298% | 3,819 |
| Assets per employee ($millions) | 4.8477% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 1,599 |
| Loan loss allowance to noncurrent loans | 12,030.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 5,342 |
| Noncurrent loans to loans | 0.0133% | 5,468 |
| Net loans and leases to total assets | 58.5984% | 3,977 |
| Net loans and leases to deposits | 66.5447% | 4,205 |
| Net loans and leases to core deposits | 69.0804% | 4,312 |
| Total domestic deposits to total assets | 88.0586% | 1,607 |
| Equity capital to assets | 11.7494% | 2,202 |
| Core capital (leverage) ratio | 12.5835% | 1,304 |
| Tier 1 risk-based capital ratio | 20.2235% | 1,455 |
| Total risk-based capital ratio | 21.4784% | 1,430 |
| Memoranda: | ||
| Average total assets | $121,949,500 | 4,043 |
| Average earning assets | $118,993,000 | 3,928 |
| Average equity | $14,410,000 | 3,948 |
| Average total loans | $75,497,000 | 3,987 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6354% | 1,246 |
| Cost of funding earning assets | 0.0515% | 6,103 |
| Net interest margin | 4.5838% | 565 |
| Noninterest income to average assets | 0.4143% | 3,929 |
| Noninterest expense to average assets | 2.9689% | 2,647 |
| Loan and lease loss provision to assets | 0.3521% | 417 |
| Net operating income to assets | 1.5567% | 769 |
| Return on assets (ROA) | 1.5530% | 801 |
| Pretax return on assets | 1.5530% | 1,393 |
| Return on Equity (ROE) | 13.3961% | 975 |
| Retained earnings to average equity (ytd only) | -11.1990% | 6,051 |
| Net charge-offs to loans | 1.1782% | 151 |
| Credit loss provision to net charge-offs | 50.8658% | 3,390 |
| Earnings coverage of net charge-offs (x) | 2.7576% | 3,834 |
| Efficiency ratio | 60.8662% | 4,777 |
| Assets per employee ($millions) | 4.3651% | 3,278 |
| Cash dividends to net income (ytd only)* | 183.5986% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,965 |
| Loan loss allowance to noncurrent loans | 8,178.5714% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 5,322 |
| Noncurrent loans to loans | 0.0184% | 5,446 |
| Net loans and leases to total assets | 63.4560% | 3,351 |
| Net loans and leases to deposits | 72.1098% | 3,708 |
| Net loans and leases to core deposits | 75.0567% | 3,842 |
| Total domestic deposits to total assets | 87.9991% | 1,633 |
| Equity capital to assets | 11.8880% | 2,039 |
| Core capital (leverage) ratio | 10.9373% | 2,464 |
| Tier 1 risk-based capital ratio | 18.6564% | 1,787 |
| Total risk-based capital ratio | 19.9097% | 1,741 |
| Memoranda: | ||
| Average total assets | $133,484,200 | 3,820 |
| Average earning assets | $129,978,600 | 3,703 |
| Average equity | $15,474,600 | 3,762 |
| Average total loans | $78,422,400 | 3,878 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 1,516 |
| Cost of funding earning assets | 0.0508% | 6,194 |
| Net interest margin | 4.4769% | 686 |
| Noninterest income to average assets | 0.4105% | 4,003 |
| Noninterest expense to average assets | 2.7784% | 3,281 |
| Loan and lease loss provision to assets | 0.3785% | 332 |
| Net operating income to assets | 1.6119% | 752 |
| Return on assets (ROA) | 1.6119% | 780 |
| Pretax return on assets | 1.6119% | 1,345 |
| Return on Equity (ROE) | 13.9807% | 913 |
| Retained earnings to average equity (ytd only) | 7.2471% | 1,577 |
| Net charge-offs to loans | 1.3528% | 118 |
| Credit loss provision to net charge-offs | 48.6284% | 3,054 |
| Earnings coverage of net charge-offs (x) | 2.5574% | 3,648 |
| Efficiency ratio | 58.2621% | 5,090 |
| Assets per employee ($millions) | 4.7082% | 2,687 |
| Cash dividends to net income (ytd only)* | 48.1638% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 2,153 |
| Loan loss allowance to noncurrent loans | 879.2593% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 5,080 |
| Noncurrent loans to loans | 0.1708% | 4,971 |
| Net loans and leases to total assets | 61.2325% | 3,703 |
| Net loans and leases to deposits | 71.3579% | 3,837 |
| Net loans and leases to core deposits | 74.4773% | 3,968 |
| Total domestic deposits to total assets | 85.8105% | 2,633 |
| Equity capital to assets | 12.9010% | 1,504 |
| Core capital (leverage) ratio | 11.8277% | 1,793 |
| Tier 1 risk-based capital ratio | 20.9084% | 1,356 |
| Total risk-based capital ratio | 22.1617% | 1,331 |
| Memoranda: | ||
| Average total assets | $137,390,750 | 3,797 |
| Average earning assets | $133,750,000 | 3,667 |
| Average equity | $15,840,500 | 3,738 |
| Average total loans | $79,044,750 | 3,892 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2999% | 2,167 |
| Cost of funding earning assets | 0.0482% | 6,274 |
| Net interest margin | 4.2517% | 1,013 |
| Noninterest income to average assets | 0.4091% | 4,015 |
| Noninterest expense to average assets | 2.7000% | 3,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8436% | 465 |
| Return on assets (ROA) | 1.8436% | 491 |
| Pretax return on assets | 1.8436% | 824 |
| Return on Equity (ROE) | 16.5836% | 541 |
| Retained earnings to average equity (ytd only) | 9.7611% | 711 |
| Net charge-offs to loans | -0.0253% | 5,255 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4248% | 5,057 |
| Assets per employee ($millions) | 5.2494% | 1,985 |
| Cash dividends to net income (ytd only)* | 41.1402% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9731% | 1,025 |
| Loan loss allowance to noncurrent loans | 172.2698% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 3,237 |
| Noncurrent loans to loans | 1.1454% | 2,359 |
| Net loans and leases to total assets | 56.3996% | 4,298 |
| Net loans and leases to deposits | 63.7383% | 4,557 |
| Net loans and leases to core deposits | 65.4634% | 4,698 |
| Total domestic deposits to total assets | 88.4863% | 1,416 |
| Equity capital to assets | 11.2414% | 2,629 |
| Core capital (leverage) ratio | 11.0769% | 2,351 |
| Tier 1 risk-based capital ratio | 19.8321% | 1,590 |
| Total risk-based capital ratio | 21.0902% | 1,545 |
| Memoranda: | ||
| Average total assets | $140,813,670 | 3,771 |
| Average earning assets | $136,935,000 | 3,642 |
| Average equity | $15,654,000 | 3,790 |
| Average total loans | $79,050,670 | 3,912 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 2,324 |
| Cost of funding earning assets | 0.0499% | 6,348 |
| Net interest margin | 4.1858% | 1,094 |
| Noninterest income to average assets | 0.4702% | 3,501 |
| Noninterest expense to average assets | 2.4111% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1204% | 271 |
| Return on assets (ROA) | 2.1204% | 289 |
| Pretax return on assets | 2.1204% | 464 |
| Return on Equity (ROE) | 19.1821% | 314 |
| Retained earnings to average equity (ytd only) | 19.1821% | 113 |
| Net charge-offs to loans | -0.0463% | 5,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2075% | 5,735 |
| Assets per employee ($millions) | 5.4602% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0602% | 977 |
| Loan loss allowance to noncurrent loans | 172.1627% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 3,408 |
| Noncurrent loans to loans | 1.1967% | 2,380 |
| Net loans and leases to total assets | 51.8521% | 4,674 |
| Net loans and leases to deposits | 58.2809% | 4,894 |
| Net loans and leases to core deposits | 59.7860% | 5,004 |
| Total domestic deposits to total assets | 88.9693% | 1,294 |
| Equity capital to assets | 10.8665% | 3,123 |
| Core capital (leverage) ratio | 11.1362% | 2,281 |
| Tier 1 risk-based capital ratio | 21.0425% | 1,414 |
| Total risk-based capital ratio | 22.3035% | 1,388 |
| Memoranda: | ||
| Average total assets | $140,353,000 | 3,804 |
| Average earning assets | $136,175,000 | 3,684 |
| Average equity | $15,514,500 | 3,827 |
| Average total loans | $77,802,500 | 3,965 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 2,081 |
| Cost of funding earning assets | 0.0531% | 6,431 |
| Net interest margin | 4.3943% | 894 |
| Noninterest income to average assets | 0.3537% | 4,576 |
| Noninterest expense to average assets | 2.5171% | 4,491 |
| Loan and lease loss provision to assets | 0.2861% | 731 |
| Net operating income to assets | 1.7977% | 480 |
| Return on assets (ROA) | 1.7977% | 491 |
| Pretax return on assets | 1.7977% | 794 |
| Return on Equity (ROE) | 15.6779% | 665 |
| Retained earnings to average equity (ytd only) | 0.9916% | 5,331 |
| Net charge-offs to loans | 0.1280% | 2,743 |
| Credit loss provision to net charge-offs | 392.8571% | 661 |
| Earnings coverage of net charge-offs (x) | 28.6122% | 1,390 |
| Efficiency ratio | 54.7084% | 5,788 |
| Assets per employee ($millions) | 4.7600% | 2,647 |
| Cash dividends to net income (ytd only)* | 93.6751% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0618% | 1,006 |
| Loan loss allowance to noncurrent loans | 171.1991% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7773% | 3,265 |
| Noncurrent loans to loans | 1.2043% | 2,440 |
| Net loans and leases to total assets | 56.9886% | 4,198 |
| Net loans and leases to deposits | 64.3408% | 4,492 |
| Net loans and leases to core deposits | 66.5076% | 4,630 |
| Total domestic deposits to total assets | 88.5730% | 1,480 |
| Equity capital to assets | 11.2612% | 2,637 |
| Core capital (leverage) ratio | 10.9544% | 2,446 |
| Tier 1 risk-based capital ratio | 19.8854% | 1,617 |
| Total risk-based capital ratio | 21.1379% | 1,591 |
| Memoranda: | ||
| Average total assets | $134,562,000 | 3,893 |
| Average earning assets | $130,056,000 | 3,773 |
| Average equity | $15,429,400 | 3,760 |
| Average total loans | $76,588,000 | 3,982 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 2,243 |
| Cost of funding earning assets | 0.0501% | 6,520 |
| Net interest margin | 4.3449% | 965 |
| Noninterest income to average assets | 0.3381% | 4,727 |
| Noninterest expense to average assets | 2.5167% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.0215% | 334 |
| Return on assets (ROA) | 2.0215% | 346 |
| Pretax return on assets | 2.0215% | 540 |
| Return on Equity (ROE) | 17.5519% | 486 |
| Retained earnings to average equity (ytd only) | 11.0719% | 504 |
| Net charge-offs to loans | 0.1781% | 2,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 20.0485% | 1,757 |
| Efficiency ratio | 55.4563% | 5,712 |
| Assets per employee ($millions) | 4.9411% | 2,314 |
| Cash dividends to net income (ytd only)* | 36.9192% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 2,431 |
| Loan loss allowance to noncurrent loans | 129.5503% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7796% | 3,480 |
| Noncurrent loans to loans | 1.2092% | 2,626 |
| Net loans and leases to total assets | 56.9902% | 4,204 |
| Net loans and leases to deposits | 65.1327% | 4,418 |
| Net loans and leases to core deposits | 67.0382% | 4,606 |
| Total domestic deposits to total assets | 87.4986% | 2,030 |
| Equity capital to assets | 12.0697% | 2,000 |
| Core capital (leverage) ratio | 12.0752% | 1,656 |
| Tier 1 risk-based capital ratio | 21.2186% | 1,409 |
| Total risk-based capital ratio | 22.4724% | 1,381 |
| Memoranda: | ||
| Average total assets | $134,882,250 | 3,921 |
| Average earning assets | $130,386,750 | 3,778 |
| Average equity | $15,534,500 | 3,767 |
| Average total loans | $76,346,500 | 4,019 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 2,126 |
| Cost of funding earning assets | 0.0473% | 6,588 |
| Net interest margin | 4.3664% | 909 |
| Noninterest income to average assets | 0.3280% | 4,791 |
| Noninterest expense to average assets | 2.5574% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0004% | 337 |
| Return on assets (ROA) | 2.0004% | 348 |
| Pretax return on assets | 2.0004% | 554 |
| Return on Equity (ROE) | 17.6471% | 494 |
| Retained earnings to average equity (ytd only) | 11.0913% | 527 |
| Net charge-offs to loans | 0.2472% | 1,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 14.4043% | 1,911 |
| Efficiency ratio | 56.1102% | 5,738 |
| Assets per employee ($millions) | 4.9054% | 2,332 |
| Cash dividends to net income (ytd only)* | 37.1492% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 2,366 |
| Loan loss allowance to noncurrent loans | 121.3147% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8411% | 3,454 |
| Noncurrent loans to loans | 1.3415% | 2,567 |
| Net loans and leases to total assets | 55.5884% | 4,337 |
| Net loans and leases to deposits | 63.3210% | 4,561 |
| Net loans and leases to core deposits | 64.8675% | 4,739 |
| Total domestic deposits to total assets | 87.7881% | 2,044 |
| Equity capital to assets | 11.8638% | 2,095 |
| Core capital (leverage) ratio | 11.7470% | 1,825 |
| Tier 1 risk-based capital ratio | 21.4898% | 1,349 |
| Total risk-based capital ratio | 22.7430% | 1,321 |
| Memoranda: | ||
| Average total assets | $135,373,330 | 3,934 |
| Average earning assets | $131,138,670 | 3,783 |
| Average equity | $15,345,330 | 3,793 |
| Average total loans | $76,048,670 | 4,040 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 2,270 |
| Cost of funding earning assets | 0.0482% | 6,664 |
| Net interest margin | 4.3213% | 963 |
| Noninterest income to average assets | 0.3215% | 4,794 |
| Noninterest expense to average assets | 2.4993% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0111% | 338 |
| Return on assets (ROA) | 2.0111% | 349 |
| Pretax return on assets | 2.0111% | 522 |
| Return on Equity (ROE) | 18.1512% | 432 |
| Retained earnings to average equity (ytd only) | 18.1512% | 177 |
| Net charge-offs to loans | 0.5010% | 735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.1667% | 2,149 |
| Efficiency ratio | 55.4115% | 5,883 |
| Assets per employee ($millions) | 4.5908% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6048% | 2,682 |
| Loan loss allowance to noncurrent loans | 130.1927% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.7609% | 3,837 |
| Noncurrent loans to loans | 1.2327% | 2,982 |
| Net loans and leases to total assets | 54.1340% | 4,396 |
| Net loans and leases to deposits | 61.1984% | 4,641 |
| Net loans and leases to core deposits | 62.6381% | 4,815 |
| Total domestic deposits to total assets | 88.4565% | 1,957 |
| Equity capital to assets | 11.3002% | 2,424 |
| Core capital (leverage) ratio | 11.4105% | 2,038 |
| Tier 1 risk-based capital ratio | 21.2990% | 1,420 |
| Total risk-based capital ratio | 22.5541% | 1,393 |
| Memoranda: | ||
| Average total assets | $136,837,500 | 3,941 |
| Average earning assets | $132,644,500 | 3,792 |
| Average equity | $15,161,500 | 3,836 |
| Average total loans | $76,652,000 | 4,044 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 2,868 |
| Cost of funding earning assets | 0.0501% | 6,749 |
| Net interest margin | 4.2743% | 1,163 |
| Noninterest income to average assets | 0.2856% | 5,315 |
| Noninterest expense to average assets | 2.2797% | 5,428 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.1067% | 288 |
| Return on assets (ROA) | 2.1067% | 285 |
| Pretax return on assets | 2.1067% | 375 |
| Return on Equity (ROE) | 20.3969% | 263 |
| Retained earnings to average equity (ytd only) | 3.8348% | 3,477 |
| Net charge-offs to loans | 0.0915% | 3,929 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 42.6250% | 894 |
| Efficiency ratio | 51.9718% | 6,299 |
| Assets per employee ($millions) | 4.6880% | 2,607 |
| Cash dividends to net income (ytd only)* | 81.1991% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 2,425 |
| Loan loss allowance to noncurrent loans | 125.6705% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.8466% | 3,776 |
| Noncurrent loans to loans | 1.3465% | 2,886 |
| Net loans and leases to total assets | 56.0646% | 4,311 |
| Net loans and leases to deposits | 62.9900% | 4,612 |
| Net loans and leases to core deposits | 64.4815% | 4,824 |
| Total domestic deposits to total assets | 89.0057% | 1,620 |
| Equity capital to assets | 10.8568% | 2,751 |
| Core capital (leverage) ratio | 10.5397% | 2,870 |
| Tier 1 risk-based capital ratio | 19.6556% | 1,736 |
| Total risk-based capital ratio | 20.9118% | 1,705 |
| Memoranda: | ||
| Average total assets | $145,675,600 | 3,775 |
| Average earning assets | $139,764,400 | 3,669 |
| Average equity | $15,046,400 | 3,863 |
| Average total loans | $78,702,600 | 3,983 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 3,089 |
| Cost of funding earning assets | 0.0498% | 6,832 |
| Net interest margin | 4.2259% | 1,264 |
| Noninterest income to average assets | 0.3106% | 5,220 |
| Noninterest expense to average assets | 2.3334% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.0219% | 351 |
| Return on assets (ROA) | 2.0219% | 362 |
| Pretax return on assets | 2.0219% | 553 |
| Return on Equity (ROE) | 19.8081% | 313 |
| Retained earnings to average equity (ytd only) | 12.8144% | 349 |
| Net charge-offs to loans | 0.1266% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 29.9459% | 1,235 |
| Efficiency ratio | 53.5759% | 6,141 |
| Assets per employee ($millions) | 4.8919% | 2,318 |
| Cash dividends to net income (ytd only)* | 35.3073% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 2,780 |
| Loan loss allowance to noncurrent loans | 136.9247% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 3,963 |
| Noncurrent loans to loans | 1.2086% | 3,401 |
| Net loans and leases to total assets | 54.8359% | 4,479 |
| Net loans and leases to deposits | 62.0117% | 4,764 |
| Net loans and leases to core deposits | 63.4242% | 4,956 |
| Total domestic deposits to total assets | 88.4284% | 1,875 |
| Equity capital to assets | 11.1155% | 2,649 |
| Core capital (leverage) ratio | 10.9976% | 2,481 |
| Tier 1 risk-based capital ratio | 20.1592% | 1,698 |
| Total risk-based capital ratio | 21.4141% | 1,669 |
| Memoranda: | ||
| Average total assets | $148,106,500 | 3,775 |
| Average earning assets | $141,758,000 | 3,675 |
| Average equity | $15,118,000 | 3,895 |
| Average total loans | $78,995,000 | 4,005 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 3,521 |
| Cost of funding earning assets | 0.0473% | 6,884 |
| Net interest margin | 4.1071% | 1,517 |
| Noninterest income to average assets | 0.3076% | 5,245 |
| Noninterest expense to average assets | 2.3144% | 5,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9216% | 406 |
| Return on assets (ROA) | 1.9216% | 440 |
| Pretax return on assets | 1.9216% | 716 |
| Return on Equity (ROE) | 19.3678% | 356 |
| Retained earnings to average equity (ytd only) | 12.2676% | 452 |
| Net charge-offs to loans | 0.2178% | 2,444 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 16.7791% | 1,642 |
| Efficiency ratio | 54.6369% | 6,090 |
| Assets per employee ($millions) | 4.8823% | 2,255 |
| Cash dividends to net income (ytd only)* | 36.6597% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 3,034 |
| Loan loss allowance to noncurrent loans | 135.7741% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 4,081 |
| Noncurrent loans to loans | 1.2026% | 3,553 |
| Net loans and leases to total assets | 55.2268% | 4,413 |
| Net loans and leases to deposits | 62.0646% | 4,733 |
| Net loans and leases to core deposits | 63.4722% | 4,950 |
| Total domestic deposits to total assets | 88.9827% | 1,642 |
| Equity capital to assets | 10.7157% | 3,035 |
| Core capital (leverage) ratio | 10.0922% | 3,384 |
| Tier 1 risk-based capital ratio | 19.6857% | 1,802 |
| Total risk-based capital ratio | 20.9404% | 1,777 |
| Memoranda: | ||
| Average total assets | $150,187,000 | 3,764 |
| Average earning assets | $143,654,670 | 3,665 |
| Average equity | $14,901,000 | 3,961 |
| Average total loans | $78,959,330 | 4,013 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 4,132 |
| Cost of funding earning assets | 0.0489% | 6,965 |
| Net interest margin | 3.9471% | 1,958 |
| Noninterest income to average assets | 0.2978% | 5,326 |
| Noninterest expense to average assets | 2.2604% | 5,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7995% | 481 |
| Return on assets (ROA) | 1.7995% | 534 |
| Pretax return on assets | 1.7995% | 885 |
| Return on Equity (ROE) | 18.8277% | 370 |
| Retained earnings to average equity (ytd only) | 18.8277% | 173 |
| Net charge-offs to loans | -0.0457% | 6,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6760% | 6,093 |
| Assets per employee ($millions) | 5.3719% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 2,807 |
| Loan loss allowance to noncurrent loans | 638.9908% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 4,695 |
| Noncurrent loans to loans | 0.2739% | 5,719 |
| Net loans and leases to total assets | 50.1951% | 4,968 |
| Net loans and leases to deposits | 55.7071% | 5,276 |
| Net loans and leases to core deposits | 56.8388% | 5,446 |
| Total domestic deposits to total assets | 90.1055% | 981 |
| Equity capital to assets | 9.6826% | 4,585 |
| Core capital (leverage) ratio | 9.5756% | 3,964 |
| Tier 1 risk-based capital ratio | 19.6490% | 1,865 |
| Total risk-based capital ratio | 20.8895% | 1,846 |
| Memoranda: | ||
| Average total assets | $154,487,000 | 3,731 |
| Average earning assets | $147,247,000 | 3,639 |
| Average equity | $14,765,500 | 4,043 |
| Average total loans | $78,693,000 | 4,048 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 2,575 |
| Cost of funding earning assets | 0.0828% | 7,014 |
| Net interest margin | 4.6221% | 754 |
| Noninterest income to average assets | 0.3279% | 5,112 |
| Noninterest expense to average assets | 3.2091% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3628% | 1,169 |
| Return on assets (ROA) | 2.6284% | 144 |
| Pretax return on assets | 2.9543% | 149 |
| Return on Equity (ROE) | 22.8245% | 189 |
| Retained earnings to average equity (ytd only) | -16.2165% | 6,793 |
| Net charge-offs to loans | -0.2250% | 6,944 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6815% | 4,204 |
| Assets per employee ($millions) | 5.2824% | 1,920 |
| Cash dividends to net income (ytd only)* | 171.0487% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 2,657 |
| Loan loss allowance to noncurrent loans | 698.9899% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 4,671 |
| Noncurrent loans to loans | 0.2545% | 5,842 |
| Net loans and leases to total assets | 49.8812% | 5,184 |
| Net loans and leases to deposits | 55.2368% | 5,526 |
| Net loans and leases to core deposits | 56.3738% | 5,687 |
| Total domestic deposits to total assets | 90.3042% | 801 |
| Equity capital to assets | 9.4308% | 4,961 |
| Core capital (leverage) ratio | 9.2930% | 4,429 |
| Tier 1 risk-based capital ratio | 18.7570% | 2,024 |
| Total risk-based capital ratio | 20.0137% | 1,988 |
| Memoranda: | ||
| Average total assets | $153,097,600 | 3,725 |
| Average earning assets | $146,187,600 | 3,622 |
| Average equity | $17,630,200 | 3,517 |
| Average total loans | $78,672,400 | 4,078 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 2,481 |
| Cost of funding earning assets | 0.0891% | 7,125 |
| Net interest margin | 4.6862% | 689 |
| Noninterest income to average assets | 0.3380% | 5,104 |
| Noninterest expense to average assets | 2.7681% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0573% | 354 |
| Return on assets (ROA) | 2.1105% | 362 |
| Pretax return on assets | 2.1105% | 558 |
| Return on Equity (ROE) | 17.5328% | 547 |
| Retained earnings to average equity (ytd only) | 10.7020% | 740 |
| Net charge-offs to loans | -0.3076% | 7,051 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3646% | 5,873 |
| Assets per employee ($millions) | 5.2250% | 1,912 |
| Cash dividends to net income (ytd only)* | 38.9601% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8523% | 2,638 |
| Loan loss allowance to noncurrent loans | 466.1074% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 4,669 |
| Noncurrent loans to loans | 0.3974% | 5,662 |
| Net loans and leases to total assets | 48.5712% | 5,483 |
| Net loans and leases to deposits | 55.9876% | 5,636 |
| Net loans and leases to core deposits | 57.1986% | 5,791 |
| Total domestic deposits to total assets | 86.7534% | 2,824 |
| Equity capital to assets | 12.4843% | 1,905 |
| Core capital (leverage) ratio | 12.3113% | 1,489 |
| Tier 1 risk-based capital ratio | 24.7294% | 931 |
| Total risk-based capital ratio | 25.9865% | 925 |
| Memoranda: | ||
| Average total assets | $153,074,500 | 3,769 |
| Average earning assets | $146,584,250 | 3,649 |
| Average equity | $18,426,000 | 3,444 |
| Average total loans | $78,891,250 | 4,112 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8729% | 2,218 |
| Cost of funding earning assets | 0.0935% | 7,188 |
| Net interest margin | 4.7794% | 580 |
| Noninterest income to average assets | 0.3438% | 5,088 |
| Noninterest expense to average assets | 2.7267% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.2085% | 280 |
| Return on assets (ROA) | 2.2085% | 318 |
| Pretax return on assets | 2.2085% | 478 |
| Return on Equity (ROE) | 18.5738% | 447 |
| Retained earnings to average equity (ytd only) | 11.6853% | 632 |
| Net charge-offs to loans | -0.4514% | 7,117 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2507% | 6,198 |
| Assets per employee ($millions) | 4.8261% | 2,391 |
| Cash dividends to net income (ytd only)* | 37.0873% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7437% | 3,052 |
| Loan loss allowance to noncurrent loans | 80.9329% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.7900% | 3,053 |
| Noncurrent loans to loans | 2.1545% | 2,759 |
| Net loans and leases to total assets | 52.2773% | 5,064 |
| Net loans and leases to deposits | 60.0805% | 5,227 |
| Net loans and leases to core deposits | 61.3925% | 5,447 |
| Total domestic deposits to total assets | 87.0121% | 2,759 |
| Equity capital to assets | 12.3937% | 1,884 |
| Core capital (leverage) ratio | 11.8488% | 1,684 |
| Tier 1 risk-based capital ratio | 22.9037% | 1,146 |
| Total risk-based capital ratio | 24.1601% | 1,124 |
| Memoranda: | ||
| Average total assets | $153,590,670 | 3,776 |
| Average earning assets | $147,551,000 | 3,649 |
| Average equity | $18,262,330 | 3,463 |
| Average total loans | $80,192,670 | 4,100 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 2,723 |
| Cost of funding earning assets | 0.1043% | 7,242 |
| Net interest margin | 4.6741% | 720 |
| Noninterest income to average assets | 0.3394% | 5,145 |
| Noninterest expense to average assets | 2.6970% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1339% | 329 |
| Return on assets (ROA) | 2.1339% | 383 |
| Pretax return on assets | 2.1339% | 597 |
| Return on Equity (ROE) | 18.3198% | 514 |
| Retained earnings to average equity (ytd only) | 18.3198% | 237 |
| Net charge-offs to loans | -0.0199% | 6,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8276% | 6,140 |
| Assets per employee ($millions) | 4.9563% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 4,150 |
| Loan loss allowance to noncurrent loans | 67.9955% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.8211% | 3,148 |
| Noncurrent loans to loans | 2.2063% | 2,910 |
| Net loans and leases to total assets | 51.7498% | 5,054 |
| Net loans and leases to deposits | 59.1410% | 5,264 |
| Net loans and leases to core deposits | 60.3893% | 5,495 |
| Total domestic deposits to total assets | 87.5024% | 2,648 |
| Equity capital to assets | 12.0674% | 1,994 |
| Core capital (leverage) ratio | 11.7956% | 1,714 |
| Tier 1 risk-based capital ratio | 21.8739% | 1,307 |
| Total risk-based capital ratio | 23.1243% | 1,281 |
| Memoranda: | ||
| Average total assets | $155,582,000 | 3,767 |
| Average earning assets | $149,503,500 | 3,627 |
| Average equity | $18,122,500 | 3,481 |
| Average total loans | $80,489,500 | 4,111 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 5,437 |
| Cost of funding earning assets | 0.1441% | 7,281 |
| Net interest margin | 4.2530% | 1,867 |
| Noninterest income to average assets | 0.2899% | 5,461 |
| Noninterest expense to average assets | 2.3531% | 5,902 |
| Loan and lease loss provision to assets | 0.0054% | 6,453 |
| Net operating income to assets | 1.4471% | 930 |
| Return on assets (ROA) | 1.6941% | 590 |
| Pretax return on assets | 2.3743% | 265 |
| Return on Equity (ROE) | 15.2361% | 706 |
| Retained earnings to average equity (ytd only) | 10.8447% | 427 |
| Net charge-offs to loans | -0.0140% | 6,920 |
| Credit loss provision to net charge-offs | -90.9091% | 6,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6646% | 6,548 |
| Assets per employee ($millions) | 5.2506% | 1,885 |
| Cash dividends to net income (ytd only)* | 28.8228% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 4,002 |
| Loan loss allowance to noncurrent loans | 71.5471% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.7357% | 3,347 |
| Noncurrent loans to loans | 2.1020% | 3,061 |
| Net loans and leases to total assets | 50.1844% | 5,557 |
| Net loans and leases to deposits | 58.8651% | 5,611 |
| Net loans and leases to core deposits | 60.8044% | 5,769 |
| Total domestic deposits to total assets | 85.2532% | 3,722 |
| Equity capital to assets | 11.2393% | 2,750 |
| Core capital (leverage) ratio | 10.4486% | 2,792 |
| Tier 1 risk-based capital ratio | 20.9979% | 1,410 |
| Total risk-based capital ratio | 22.2453% | 1,391 |
| Memoranda: | ||
| Average total assets | $184,521,200 | 3,266 |
| Average earning assets | $177,663,800 | 3,119 |
| Average equity | $20,517,000 | 3,064 |
| Average total loans | $78,524,400 | 4,189 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 5,872 |
| Cost of funding earning assets | 0.1526% | 7,359 |
| Net interest margin | 4.1721% | 2,200 |
| Noninterest income to average assets | 0.2816% | 5,597 |
| Noninterest expense to average assets | 2.2034% | 6,270 |
| Loan and lease loss provision to assets | 0.0139% | 6,258 |
| Net operating income to assets | 1.5799% | 801 |
| Return on assets (ROA) | 1.7817% | 586 |
| Pretax return on assets | 2.3505% | 333 |
| Return on Equity (ROE) | 16.0597% | 677 |
| Retained earnings to average equity (ytd only) | 10.3986% | 748 |
| Net charge-offs to loans | -0.0137% | 6,830 |
| Credit loss provision to net charge-offs | -250.0000% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2152% | 6,753 |
| Assets per employee ($millions) | 5.9813% | 1,216 |
| Cash dividends to net income (ytd only)* | 35.2503% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 4,013 |
| Loan loss allowance to noncurrent loans | 70.7872% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.6010% | 3,683 |
| Noncurrent loans to loans | 2.1465% | 3,186 |
| Net loans and leases to total assets | 45.3617% | 6,206 |
| Net loans and leases to deposits | 52.5808% | 6,322 |
| Net loans and leases to core deposits | 54.5519% | 6,420 |
| Total domestic deposits to total assets | 86.2704% | 3,057 |
| Equity capital to assets | 12.4550% | 1,945 |
| Core capital (leverage) ratio | 10.8151% | 2,561 |
| Tier 1 risk-based capital ratio | 24.5704% | 952 |
| Total risk-based capital ratio | 25.8076% | 937 |
| Memoranda: | ||
| Average total assets | $191,271,750 | 3,184 |
| Average earning assets | $184,329,500 | 3,044 |
| Average equity | $21,220,250 | 2,979 |
| Average total loans | $78,091,250 | 4,242 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 6,007 |
| Cost of funding earning assets | 0.1587% | 7,436 |
| Net interest margin | 4.1474% | 2,239 |
| Noninterest income to average assets | 0.2698% | 5,707 |
| Noninterest expense to average assets | 2.0952% | 6,604 |
| Loan and lease loss provision to assets | 0.0203% | 6,037 |
| Net operating income to assets | 1.6528% | 664 |
| Return on assets (ROA) | 1.6723% | 677 |
| Pretax return on assets | 2.1814% | 421 |
| Return on Equity (ROE) | 15.6360% | 705 |
| Retained earnings to average equity (ytd only) | 15.6360% | 217 |
| Net charge-offs to loans | -0.0206% | 6,828 |
| Credit loss provision to net charge-offs | -250.0000% | 6,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0503% | 7,003 |
| Assets per employee ($millions) | 6.3908% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 3,785 |
| Loan loss allowance to noncurrent loans | 70.8285% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.4012% | 4,121 |
| Noncurrent loans to loans | 2.2292% | 3,189 |
| Net loans and leases to total assets | 38.1975% | 6,851 |
| Net loans and leases to deposits | 43.2411% | 6,944 |
| Net loans and leases to core deposits | 44.6165% | 6,992 |
| Total domestic deposits to total assets | 88.3361% | 1,945 |
| Equity capital to assets | 11.1440% | 2,821 |
| Core capital (leverage) ratio | 11.0371% | 2,215 |
| Tier 1 risk-based capital ratio | 25.3050% | 877 |
| Total risk-based capital ratio | 26.5573% | 860 |
| Memoranda: | ||
| Average total assets | $197,210,000 | 3,126 |
| Average earning assets | $190,289,000 | 2,991 |
| Average equity | $21,092,330 | 2,985 |
| Average total loans | $77,489,330 | 4,298 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 5,982 |
| Cost of funding earning assets | 0.1710% | 7,496 |
| Net interest margin | 4.1418% | 2,110 |
| Noninterest income to average assets | 0.2663% | 5,766 |
| Noninterest expense to average assets | 2.1204% | 6,588 |
| Loan and lease loss provision to assets | 0.0407% | 5,485 |
| Net operating income to assets | 1.6121% | 673 |
| Return on assets (ROA) | 1.6121% | 712 |
| Pretax return on assets | 2.0939% | 479 |
| Return on Equity (ROE) | 15.3984% | 759 |
| Retained earnings to average equity (ytd only) | 15.3984% | 359 |
| Net charge-offs to loans | -0.0617% | 6,954 |
| Credit loss provision to net charge-offs | -166.6667% | 5,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8328% | 6,998 |
| Assets per employee ($millions) | 6.2250% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 3,879 |
| Loan loss allowance to noncurrent loans | 851.7483% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 5,280 |
| Noncurrent loans to loans | 0.1841% | 6,601 |
| Net loans and leases to total assets | 39.6179% | 6,803 |
| Net loans and leases to deposits | 44.6556% | 6,928 |
| Net loans and leases to core deposits | 46.1935% | 6,963 |
| Total domestic deposits to total assets | 88.7188% | 1,946 |
| Equity capital to assets | 10.8418% | 2,842 |
| Core capital (leverage) ratio | 10.3742% | 2,731 |
| Tier 1 risk-based capital ratio | 23.8963% | 983 |
| Total risk-based capital ratio | 25.1491% | 962 |
| Memoranda: | ||
| Average total assets | $196,757,500 | 3,160 |
| Average earning assets | $189,483,000 | 3,020 |
| Average equity | $20,599,500 | 3,036 |
| Average total loans | $77,789,500 | 4,334 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 6,323 |
| Cost of funding earning assets | 0.2264% | 7,540 |
| Net interest margin | 4.3006% | 1,819 |
| Noninterest income to average assets | 0.3258% | 5,457 |
| Noninterest expense to average assets | 2.2519% | 6,477 |
| Loan and lease loss provision to assets | 0.0815% | 6,334 |
| Net operating income to assets | 1.6323% | 590 |
| Return on assets (ROA) | 1.6323% | 636 |
| Pretax return on assets | 2.1499% | 359 |
| Return on Equity (ROE) | 15.5411% | 636 |
| Retained earnings to average equity (ytd only) | 10.8209% | 402 |
| Net charge-offs to loans | 0.1185% | 5,700 |
| Credit loss provision to net charge-offs | 166.6667% | 2,042 |
| Earnings coverage of net charge-offs (x) | 45.6556% | 506 |
| Efficiency ratio | 50.2301% | 7,106 |
| Assets per employee ($millions) | 6.4690% | 958 |
| Cash dividends to net income (ytd only)* | 30.3726% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 3,886 |
| Loan loss allowance to noncurrent loans | 392.7152% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 6,454 |
| Noncurrent loans to loans | 0.3876% | 6,272 |
| Net loans and leases to total assets | 38.2579% | 7,064 |
| Net loans and leases to deposits | 42.8425% | 7,157 |
| Net loans and leases to core deposits | 44.4276% | 7,188 |
| Total domestic deposits to total assets | 89.2988% | 1,496 |
| Equity capital to assets | 10.1113% | 3,599 |
| Core capital (leverage) ratio | 9.7683% | 3,356 |
| Tier 1 risk-based capital ratio | 23.6552% | 966 |
| Total risk-based capital ratio | 24.9082% | 943 |
| Memoranda: | ||
| Average total assets | $184,152,000 | 3,310 |
| Average earning assets | $178,022,400 | 3,143 |
| Average equity | $19,342,200 | 3,235 |
| Average total loans | $75,962,200 | 4,455 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 6,518 |
| Cost of funding earning assets | 0.2368% | 7,660 |
| Net interest margin | 4.2962% | 1,859 |
| Noninterest income to average assets | 0.3391% | 5,449 |
| Noninterest expense to average assets | 2.2415% | 6,489 |
| Loan and lease loss provision to assets | 0.0666% | 6,397 |
| Net operating income to assets | 1.6483% | 675 |
| Return on assets (ROA) | 1.6483% | 742 |
| Pretax return on assets | 2.1830% | 427 |
| Return on Equity (ROE) | 15.5320% | 776 |
| Retained earnings to average equity (ytd only) | 9.1615% | 1,002 |
| Net charge-offs to loans | 0.1731% | 4,926 |
| Credit loss provision to net charge-offs | 91.8367% | 4,698 |
| Earnings coverage of net charge-offs (x) | 31.0008% | 863 |
| Efficiency ratio | 49.9093% | 7,163 |
| Assets per employee ($millions) | 6.3149% | 1,064 |
| Cash dividends to net income (ytd only)* | 41.0151% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 4,164 |
| Loan loss allowance to noncurrent loans | 218.7867% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 6,349 |
| Noncurrent loans to loans | 0.6668% | 5,869 |
| Net loans and leases to total assets | 38.5767% | 7,161 |
| Net loans and leases to deposits | 43.4712% | 7,253 |
| Net loans and leases to core deposits | 44.6185% | 7,298 |
| Total domestic deposits to total assets | 88.7410% | 1,537 |
| Equity capital to assets | 10.0300% | 4,126 |
| Core capital (leverage) ratio | 9.9284% | 3,321 |
| Tier 1 risk-based capital ratio | 23.8318% | 968 |
| Total risk-based capital ratio | 25.0843% | 942 |
| Memoranda: | ||
| Average total assets | $180,055,250 | 3,419 |
| Average earning assets | $174,010,250 | 3,252 |
| Average equity | $19,108,500 | 3,301 |
| Average total loans | $75,475,750 | 4,542 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 6,550 |
| Cost of funding earning assets | 0.2412% | 7,733 |
| Net interest margin | 4.3240% | 1,690 |
| Noninterest income to average assets | 0.3569% | 5,291 |
| Noninterest expense to average assets | 2.2641% | 6,464 |
| Loan and lease loss provision to assets | 0.0686% | 6,268 |
| Net operating income to assets | 1.6680% | 622 |
| Return on assets (ROA) | 1.6680% | 670 |
| Pretax return on assets | 2.2080% | 401 |
| Return on Equity (ROE) | 15.4017% | 783 |
| Retained earnings to average equity (ytd only) | 15.4017% | 220 |
| Net charge-offs to loans | -0.0213% | 7,294 |
| Credit loss provision to net charge-offs | -750.0000% | 6,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8614% | 7,233 |
| Assets per employee ($millions) | 5.9149% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 3,576 |
| Loan loss allowance to noncurrent loans | 72.0145% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0013% | 5,145 |
| Noncurrent loans to loans | 2.1820% | 3,496 |
| Net loans and leases to total assets | 40.7884% | 7,113 |
| Net loans and leases to deposits | 46.8160% | 7,213 |
| Net loans and leases to core deposits | 48.1637% | 7,278 |
| Total domestic deposits to total assets | 87.1249% | 2,472 |
| Equity capital to assets | 10.7896% | 3,083 |
| Core capital (leverage) ratio | 10.9749% | 2,263 |
| Tier 1 risk-based capital ratio | 24.1600% | 928 |
| Total risk-based capital ratio | 25.4129% | 905 |
| Memoranda: | ||
| Average total assets | $174,819,330 | 3,522 |
| Average earning assets | $169,150,330 | 3,353 |
| Average equity | $18,933,000 | 3,309 |
| Average total loans | $75,088,670 | 4,599 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6437% | 6,431 |
| Cost of funding earning assets | 0.2496% | 7,839 |
| Net interest margin | 4.3941% | 1,408 |
| Noninterest income to average assets | 0.3682% | 5,195 |
| Noninterest expense to average assets | 2.3008% | 6,371 |
| Loan and lease loss provision to assets | 0.0704% | 5,936 |
| Net operating income to assets | 1.7027% | 613 |
| Return on assets (ROA) | 1.7027% | 666 |
| Pretax return on assets | 2.2492% | 390 |
| Return on Equity (ROE) | 15.6909% | 764 |
| Retained earnings to average equity (ytd only) | 15.6909% | 360 |
| Net charge-offs to loans | -0.0375% | 7,260 |
| Credit loss provision to net charge-offs | -428.5714% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7970% | 7,331 |
| Assets per employee ($millions) | 5.5326% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 3,620 |
| Loan loss allowance to noncurrent loans | 37.9693% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 1.7859% | 3,807 |
| Noncurrent loans to loans | 4.1072% | 1,887 |
| Net loans and leases to total assets | 42.8039% | 7,074 |
| Net loans and leases to deposits | 49.3022% | 7,165 |
| Net loans and leases to core deposits | 50.3022% | 7,270 |
| Total domestic deposits to total assets | 86.8194% | 2,727 |
| Equity capital to assets | 10.9999% | 2,761 |
| Core capital (leverage) ratio | 10.7554% | 2,412 |
| Tier 1 risk-based capital ratio | 23.2253% | 1,039 |
| Total risk-based capital ratio | 24.4786% | 1,024 |
| Memoranda: | ||
| Average total assets | $170,548,500 | 3,653 |
| Average earning assets | $165,039,500 | 3,478 |
| Average equity | $18,507,500 | 3,396 |
| Average total loans | $74,641,000 | 4,692 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9484% | 6,586 |
| Cost of funding earning assets | 0.3001% | 7,902 |
| Net interest margin | 4.6483% | 901 |
| Noninterest income to average assets | 0.4307% | 4,951 |
| Noninterest expense to average assets | 2.5295% | 6,029 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.7590% | 391 |
| Return on assets (ROA) | 1.8043% | 370 |
| Pretax return on assets | 2.4413% | 174 |
| Return on Equity (ROE) | 16.1522% | 539 |
| Retained earnings to average equity (ytd only) | 1.4284% | 4,066 |
| Net charge-offs to loans | 0.0477% | 6,624 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 110.2222% | 256 |
| Efficiency ratio | 51.5211% | 7,430 |
| Assets per employee ($millions) | 5.2996% | 1,836 |
| Cash dividends to net income (ytd only)* | 91.1569% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 3,682 |
| Loan loss allowance to noncurrent loans | 59.1076% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.1233% | 4,843 |
| Noncurrent loans to loans | 2.5500% | 3,005 |
| Net loans and leases to total assets | 43.3878% | 7,151 |
| Net loans and leases to deposits | 49.6877% | 7,276 |
| Net loans and leases to core deposits | 53.6254% | 7,481 |
| Total domestic deposits to total assets | 87.3210% | 2,310 |
| Equity capital to assets | 10.7019% | 2,966 |
| Core capital (leverage) ratio | 10.2361% | 2,841 |
| Tier 1 risk-based capital ratio | 23.1477% | 1,029 |
| Total risk-based capital ratio | 24.3970% | 1,011 |
| Memoranda: | ||
| Average total assets | $166,713,600 | 3,660 |
| Average earning assets | $160,638,800 | 3,505 |
| Average equity | $18,622,800 | 3,405 |
| Average total loans | $75,443,200 | 4,672 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 6,614 |
| Cost of funding earning assets | 0.3108% | 7,999 |
| Net interest margin | 4.6851% | 857 |
| Noninterest income to average assets | 0.4337% | 5,008 |
| Noninterest expense to average assets | 2.4916% | 6,098 |
| Loan and lease loss provision to assets | 0.0723% | 6,633 |
| Net operating income to assets | 1.7449% | 513 |
| Return on assets (ROA) | 1.7847% | 489 |
| Pretax return on assets | 2.4273% | 219 |
| Return on Equity (ROE) | 15.8079% | 681 |
| Retained earnings to average equity (ytd only) | 15.8079% | 135 |
| Net charge-offs to loans | -0.0388% | 7,833 |
| Credit loss provision to net charge-offs | -409.0909% | 7,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4636% | 7,525 |
| Assets per employee ($millions) | 5.4080% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 2,690 |
| Loan loss allowance to noncurrent loans | 176.6990% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 6,377 |
| Noncurrent loans to loans | 0.9523% | 5,393 |
| Net loans and leases to total assets | 44.3990% | 7,218 |
| Net loans and leases to deposits | 51.9620% | 7,308 |
| Net loans and leases to core deposits | 56.0991% | 7,538 |
| Total domestic deposits to total assets | 85.4451% | 2,996 |
| Equity capital to assets | 12.0574% | 2,214 |
| Core capital (leverage) ratio | 11.6894% | 1,972 |
| Tier 1 risk-based capital ratio | 25.2074% | 874 |
| Total risk-based capital ratio | 26.4626% | 852 |
| Memoranda: | ||
| Average total assets | $165,995,250 | 3,693 |
| Average earning assets | $159,566,000 | 3,559 |
| Average equity | $18,741,250 | 3,411 |
| Average total loans | $75,627,500 | 4,710 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9913% | 6,803 |
| Cost of funding earning assets | 0.3262% | 8,093 |
| Net interest margin | 4.6651% | 849 |
| Noninterest income to average assets | 0.4219% | 5,106 |
| Noninterest expense to average assets | 2.5362% | 5,998 |
| Loan and lease loss provision to assets | 0.0725% | 6,471 |
| Net operating income to assets | 1.6659% | 600 |
| Return on assets (ROA) | 1.7251% | 585 |
| Pretax return on assets | 2.3718% | 267 |
| Return on Equity (ROE) | 15.6381% | 742 |
| Retained earnings to average equity (ytd only) | 15.6381% | 175 |
| Net charge-offs to loans | -0.0423% | 7,824 |
| Credit loss provision to net charge-offs | -375.0000% | 7,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7641% | 7,533 |
| Assets per employee ($millions) | 5.5881% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 2,701 |
| Loan loss allowance to noncurrent loans | 174.8588% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 6,310 |
| Noncurrent loans to loans | 0.9200% | 5,376 |
| Net loans and leases to total assets | 45.1659% | 7,251 |
| Net loans and leases to deposits | 51.9474% | 7,388 |
| Net loans and leases to core deposits | 55.6534% | 7,609 |
| Total domestic deposits to total assets | 86.9454% | 2,281 |
| Equity capital to assets | 11.3587% | 2,628 |
| Core capital (leverage) ratio | 11.1905% | 2,267 |
| Tier 1 risk-based capital ratio | 23.7448% | 1,067 |
| Total risk-based capital ratio | 24.9952% | 1,042 |
| Memoranda: | ||
| Average total assets | $165,444,330 | 3,715 |
| Average earning assets | $158,795,330 | 3,584 |
| Average equity | $18,250,330 | 3,514 |
| Average total loans | $75,600,670 | 4,750 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 6,771 |
| Cost of funding earning assets | 0.3555% | 8,146 |
| Net interest margin | 4.7023% | 759 |
| Noninterest income to average assets | 0.4211% | 5,041 |
| Noninterest expense to average assets | 2.5897% | 5,499 |
| Loan and lease loss provision to assets | 0.0730% | 6,044 |
| Net operating income to assets | 1.6423% | 734 |
| Return on assets (ROA) | 1.7597% | 628 |
| Pretax return on assets | 2.4290% | 288 |
| Return on Equity (ROE) | 16.1976% | 790 |
| Retained earnings to average equity (ytd only) | 16.1976% | 323 |
| Net charge-offs to loans | -0.1175% | 7,918 |
| Credit loss provision to net charge-offs | -136.3636% | 6,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5432% | 7,358 |
| Assets per employee ($millions) | 5.2752% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 2,342 |
| Loan loss allowance to noncurrent loans | 285.6471% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 6,780 |
| Noncurrent loans to loans | 0.5749% | 5,969 |
| Net loans and leases to total assets | 41.7664% | 7,479 |
| Net loans and leases to deposits | 47.5492% | 7,597 |
| Net loans and leases to core deposits | 50.7107% | 7,766 |
| Total domestic deposits to total assets | 87.8384% | 1,829 |
| Equity capital to assets | 10.5388% | 3,425 |
| Core capital (leverage) ratio | 10.7536% | 2,694 |
| Tier 1 risk-based capital ratio | 23.2610% | 1,162 |
| Total risk-based capital ratio | 24.5107% | 1,135 |
| Memoranda: | ||
| Average total assets | $164,345,500 | 3,755 |
| Average earning assets | $157,539,500 | 3,621 |
| Average equity | $17,854,500 | 3,584 |
| Average total loans | $74,923,500 | 4,811 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0731% | 5,186 |
| Cost of funding earning assets | 0.8669% | 8,100 |
| Net interest margin | 5.2062% | 339 |
| Noninterest income to average assets | 0.3979% | 5,485 |
| Noninterest expense to average assets | 2.9775% | 4,163 |
| Loan and lease loss provision to assets | 0.1072% | 6,006 |
| Net operating income to assets | 1.6362% | 779 |
| Return on assets (ROA) | 2.3726% | 161 |
| Pretax return on assets | 3.3004% | 78 |
| Return on Equity (ROE) | 20.8456% | 316 |
| Retained earnings to average equity (ytd only) | 9.9932% | 449 |
| Net charge-offs to loans | -0.0350% | 7,991 |
| Credit loss provision to net charge-offs | -640.0000% | 7,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5278% | 7,085 |
| Assets per employee ($millions) | 4.6852% | 2,351 |
| Cash dividends to net income (ytd only)* | 52.0610% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 2,538 |
| Loan loss allowance to noncurrent loans | 297.9487% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 6,567 |
| Noncurrent loans to loans | 0.5137% | 5,811 |
| Net loans and leases to total assets | 48.3562% | 7,163 |
| Net loans and leases to deposits | 55.4654% | 7,356 |
| Net loans and leases to core deposits | 59.5857% | 7,600 |
| Total domestic deposits to total assets | 87.1827% | 1,849 |
| Equity capital to assets | 11.2301% | 2,860 |
| Core capital (leverage) ratio | 11.1518% | 2,463 |
| Tier 1 risk-based capital ratio | 20.9421% | 1,463 |
| Total risk-based capital ratio | 22.1944% | 1,434 |
| Memoranda: | ||
| Average total assets | $149,285,200 | 3,913 |
| Average earning assets | $142,349,000 | 3,802 |
| Average equity | $16,991,600 | 3,743 |
| Average total loans | $71,362,200 | 4,821 |