Home > Northeast Security Bank > Performance and Condition Ratios
Northeast Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 4,199 |
| Cost of funding earning assets | 1.4396% | 2,107 |
| Net interest margin | 2.3409% | 4,228 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 1.5550% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7964% | 2,884 |
| Return on assets (ROA) | 0.8011% | 2,852 |
| Pretax return on assets | 0.9658% | 2,764 |
| Return on Equity (ROE) | 8.6800% | 2,837 |
| Retained earnings to average equity (ytd only) | 2.0043% | 3,574 |
| 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 | 61.5251% | 2,905 |
| Assets per employee ($millions) | 9.0690% | 960 |
| Cash dividends to net income (ytd only)* | 76.9209% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 642 |
| Loan loss allowance to noncurrent loans | 3,653.5088% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,526 |
| Noncurrent loans to loans | 0.0468% | 3,386 |
| Net loans and leases to total assets | 53.8300% | 3,362 |
| Net loans and leases to deposits | 63.9713% | 3,292 |
| Net loans and leases to core deposits | 70.9247% | 3,248 |
| Total domestic deposits to total assets | 84.1500% | 2,581 |
| Equity capital to assets | 9.5515% | 2,314 |
| Core capital (leverage) ratio | 9.9978% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5777% | 1,377 |
| Memoranda: | ||
| Average total assets | $433,756,000 | 1,904 |
| Average earning assets | $394,684,600 | 1,927 |
| Average equity | $40,014,200 | 1,886 |
| Average total loans | $229,120,000 | 2,107 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7308% | 4,178 |
| Cost of funding earning assets | 1.3295% | 2,063 |
| Net interest margin | 2.4013% | 4,228 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 1.5517% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8452% | 2,876 |
| Return on assets (ROA) | 0.8514% | 2,837 |
| Pretax return on assets | 1.0506% | 2,711 |
| Return on Equity (ROE) | 9.3100% | 2,847 |
| Retained earnings to average equity (ytd only) | 1.2011% | 3,903 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.4717% | 3,026 |
| Assets per employee ($millions) | 8.3499% | 1,186 |
| Cash dividends to net income (ytd only)* | 87.1050% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8238% | 542 |
| Loan loss allowance to noncurrent loans | 3,621.7391% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 3,535 |
| Noncurrent loans to loans | 0.0504% | 3,397 |
| Net loans and leases to total assets | 52.6500% | 3,449 |
| Net loans and leases to deposits | 62.8380% | 3,344 |
| Net loans and leases to core deposits | 69.7152% | 3,222 |
| Total domestic deposits to total assets | 83.7900% | 2,838 |
| Equity capital to assets | 8.8490% | 2,504 |
| Core capital (leverage) ratio | 9.9783% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7224% | 1,152 |
| Memoranda: | ||
| Average total assets | $431,099,500 | 1,911 |
| Average earning assets | $393,333,250 | 1,934 |
| Average equity | $39,406,500 | 1,893 |
| Average total loans | $225,552,000 | 2,127 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6526% | 4,194 |
| Cost of funding earning assets | 1.1985% | 1,998 |
| Net interest margin | 2.4541% | 4,258 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 1.5086% | 4,324 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9189% | 2,693 |
| Return on assets (ROA) | 0.9283% | 2,645 |
| Pretax return on assets | 1.1519% | 2,502 |
| Return on Equity (ROE) | 10.0500% | 2,689 |
| Retained earnings to average equity (ytd only) | -0.3202% | 4,145 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.5762% | 3,346 |
| Assets per employee ($millions) | 8.2419% | 1,214 |
| Cash dividends to net income (ytd only)* | 103.1857% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 552 |
| Loan loss allowance to noncurrent loans | 3,590.5172% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,518 |
| Noncurrent loans to loans | 0.0514% | 3,335 |
| Net loans and leases to total assets | 51.7100% | 3,430 |
| Net loans and leases to deposits | 60.7946% | 3,368 |
| Net loans and leases to core deposits | 66.4781% | 3,329 |
| Total domestic deposits to total assets | 85.0500% | 2,531 |
| Equity capital to assets | 9.2701% | 2,334 |
| Core capital (leverage) ratio | 9.8169% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9184% | 1,137 |
| Memoranda: | ||
| Average total assets | $432,851,333 | 1,911 |
| Average earning assets | $395,168,000 | 1,926 |
| Average equity | $39,981,000 | 1,881 |
| Average total loans | $224,613,000 | 2,126 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5527% | 4,213 |
| Cost of funding earning assets | 1.0364% | 1,926 |
| Net interest margin | 2.5163% | 4,289 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 1.3646% | 4,495 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.0904% | 2,261 |
| Return on assets (ROA) | 1.1081% | 2,167 |
| Pretax return on assets | 1.3904% | 1,905 |
| Return on Equity (ROE) | 12.0200% | 2,215 |
| Retained earnings to average equity (ytd only) | -6.2035% | 4,375 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.4811% | 3,982 |
| Assets per employee ($millions) | 8.5523% | 1,110 |
| Cash dividends to net income (ytd only)* | 151.6183% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 586 |
| Loan loss allowance to noncurrent loans | 3,500.0000% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 3,504 |
| Noncurrent loans to loans | 0.0532% | 3,360 |
| Net loans and leases to total assets | 51.3500% | 3,394 |
| Net loans and leases to deposits | 59.6408% | 3,353 |
| Net loans and leases to core deposits | 64.5888% | 3,315 |
| Total domestic deposits to total assets | 86.0900% | 2,560 |
| Equity capital to assets | 9.5632% | 2,092 |
| Core capital (leverage) ratio | 9.6804% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8122% | 1,187 |
| Memoranda: | ||
| Average total assets | $434,987,000 | 1,922 |
| Average earning assets | $396,766,000 | 1,945 |
| Average equity | $40,106,500 | 1,896 |
| Average total loans | $224,033,000 | 2,144 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2026% | 3,815 |
| Cost of funding earning assets | 0.4293% | 1,863 |
| Net interest margin | 2.7733% | 3,937 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 1.7089% | 4,160 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0378% | 2,428 |
| Return on assets (ROA) | 1.0350% | 2,378 |
| Pretax return on assets | 1.2909% | 2,119 |
| Return on Equity (ROE) | 10.6400% | 2,595 |
| Retained earnings to average equity (ytd only) | 4.3025% | 3,297 |
| Net charge-offs to loans | -0.0101% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.3033% | 3,552 |
| Assets per employee ($millions) | 8.8471% | 963 |
| Cash dividends to net income (ytd only)* | 59.5692% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 1,421 |
| Loan loss allowance to noncurrent loans | 2,662.5000% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,546 |
| Noncurrent loans to loans | 0.0535% | 3,368 |
| Net loans and leases to total assets | 49.9900% | 3,503 |
| Net loans and leases to deposits | 58.6188% | 3,414 |
| Net loans and leases to core deposits | 61.7115% | 3,413 |
| Total domestic deposits to total assets | 85.2800% | 2,914 |
| Equity capital to assets | 8.8885% | 2,424 |
| Core capital (leverage) ratio | 9.8399% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7606% | 1,170 |
| Memoranda: | ||
| Average total assets | $430,621,800 | 1,918 |
| Average earning assets | $392,457,800 | 1,939 |
| Average equity | $41,882,400 | 1,857 |
| Average total loans | $218,615,000 | 2,115 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1217% | 3,625 |
| Cost of funding earning assets | 0.3173% | 1,992 |
| Net interest margin | 2.8043% | 3,726 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.7321% | 4,110 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0803% | 2,170 |
| Return on assets (ROA) | 1.0768% | 2,141 |
| Pretax return on assets | 1.3464% | 1,901 |
| Return on Equity (ROE) | 10.8300% | 2,451 |
| Retained earnings to average equity (ytd only) | 3.3205% | 3,692 |
| Net charge-offs to loans | -0.0135% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.5969% | 3,662 |
| Assets per employee ($millions) | 8.0547% | 1,294 |
| Cash dividends to net income (ytd only)* | 69.3399% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 1,447 |
| Loan loss allowance to noncurrent loans | 4,667.6471% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,804 |
| Noncurrent loans to loans | 0.0311% | 3,676 |
| Net loans and leases to total assets | 50.4800% | 3,418 |
| Net loans and leases to deposits | 58.2719% | 3,322 |
| Net loans and leases to core deposits | 61.2240% | 3,282 |
| Total domestic deposits to total assets | 86.6200% | 2,879 |
| Equity capital to assets | 8.6613% | 2,434 |
| Core capital (leverage) ratio | 9.9554% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1715% | 1,143 |
| Memoranda: | ||
| Average total assets | $427,688,000 | 1,942 |
| Average earning assets | $390,338,750 | 1,960 |
| Average equity | $42,523,250 | 1,868 |
| Average total loans | $217,185,250 | 2,125 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0201% | 3,509 |
| Cost of funding earning assets | 0.2545% | 2,201 |
| Net interest margin | 2.7656% | 3,533 |
| Noninterest income to average assets | 0.6449% | 1,566 |
| Noninterest expense to average assets | 1.7432% | 4,066 |
| Loan and lease loss provision to assets | 0.0196% | 2,248 |
| Net operating income to assets | 1.1286% | 1,671 |
| Return on assets (ROA) | 1.1286% | 1,647 |
| Pretax return on assets | 1.4114% | 1,404 |
| Return on Equity (ROE) | 10.8851% | 2,019 |
| Retained earnings to average equity (ytd only) | 1.3747% | 3,908 |
| Net charge-offs to loans | -0.0203% | 3,881 |
| Credit loss provision to net charge-offs | -190.9091% | 3,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6820% | 3,896 |
| Assets per employee ($millions) | 7.2768% | 1,753 |
| Cash dividends to net income (ytd only)* | 87.3706% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 1,545 |
| Loan loss allowance to noncurrent loans | 4,569.5652% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 3,849 |
| Noncurrent loans to loans | 0.0318% | 3,712 |
| Net loans and leases to total assets | 51.5187% | 3,213 |
| Net loans and leases to deposits | 58.6934% | 3,163 |
| Net loans and leases to core deposits | 61.0348% | 3,192 |
| Total domestic deposits to total assets | 87.7758% | 2,667 |
| Equity capital to assets | 9.6787% | 1,895 |
| Core capital (leverage) ratio | 9.9109% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2328% | 1,140 |
| Memoranda: | ||
| Average total assets | $427,951,000 | 1,945 |
| Average earning assets | $391,376,667 | 1,977 |
| Average equity | $44,372,667 | 1,850 |
| Average total loans | $216,696,000 | 2,135 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9325% | 3,446 |
| Cost of funding earning assets | 0.2402% | 2,262 |
| Net interest margin | 2.6922% | 3,422 |
| Noninterest income to average assets | 0.5054% | 2,117 |
| Noninterest expense to average assets | 1.7315% | 4,089 |
| Loan and lease loss provision to assets | 0.0193% | 2,006 |
| Net operating income to assets | 0.9665% | 2,007 |
| Return on assets (ROA) | 0.9665% | 2,007 |
| Pretax return on assets | 1.2096% | 1,777 |
| Return on Equity (ROE) | 9.0349% | 2,306 |
| Retained earnings to average equity (ytd only) | -6.4105% | 4,475 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2400% | 3,654 |
| Assets per employee ($millions) | 7.6417% | 1,592 |
| Cash dividends to net income (ytd only)* | 170.9524% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,810 |
| Loan loss allowance to noncurrent loans | 4,442.8571% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,895 |
| Noncurrent loans to loans | 0.0321% | 3,755 |
| Net loans and leases to total assets | 50.2041% | 3,153 |
| Net loans and leases to deposits | 57.8280% | 3,093 |
| Net loans and leases to core deposits | 59.0911% | 3,227 |
| Total domestic deposits to total assets | 86.8162% | 2,993 |
| Equity capital to assets | 10.0648% | 1,844 |
| Core capital (leverage) ratio | 9.2919% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6070% | 1,364 |
| Memoranda: | ||
| Average total assets | $434,538,500 | 1,930 |
| Average earning assets | $396,255,500 | 1,966 |
| Average equity | $46,486,500 | 1,839 |
| Average total loans | $216,624,000 | 2,122 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5082% | 2,637 |
| Cost of funding earning assets | 0.3098% | 2,298 |
| Net interest margin | 3.1984% | 2,599 |
| Noninterest income to average assets | 0.4530% | 2,801 |
| Noninterest expense to average assets | 1.8800% | 3,971 |
| Loan and lease loss provision to assets | 0.0249% | 2,567 |
| Net operating income to assets | 1.1878% | 1,961 |
| Return on assets (ROA) | 1.1975% | 1,987 |
| Pretax return on assets | 1.5182% | 1,657 |
| Return on Equity (ROE) | 10.6442% | 2,294 |
| Retained earnings to average equity (ytd only) | -2.7062% | 4,646 |
| Net charge-offs to loans | -0.0028% | 3,422 |
| Credit loss provision to net charge-offs | -1,733.3333% | 4,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9572% | 3,828 |
| Assets per employee ($millions) | 7.7393% | 1,472 |
| Cash dividends to net income (ytd only)* | 125.4244% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 1,788 |
| Loan loss allowance to noncurrent loans | 4,290.2778% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,977 |
| Noncurrent loans to loans | 0.0334% | 3,836 |
| Net loans and leases to total assets | 48.1042% | 3,489 |
| Net loans and leases to deposits | 57.0673% | 3,331 |
| Net loans and leases to core deposits | 58.5445% | 3,430 |
| Total domestic deposits to total assets | 84.2939% | 3,477 |
| Equity capital to assets | 11.3120% | 1,597 |
| Core capital (leverage) ratio | 10.6411% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9977% | 894 |
| Memoranda: | ||
| Average total assets | $418,130,800 | 1,934 |
| Average earning assets | $386,688,800 | 1,948 |
| Average equity | $47,039,600 | 1,858 |
| Average total loans | $216,027,200 | 2,128 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 2,371 |
| Cost of funding earning assets | 0.3303% | 2,295 |
| Net interest margin | 3.3328% | 2,329 |
| Noninterest income to average assets | 0.4775% | 2,720 |
| Noninterest expense to average assets | 1.9118% | 3,918 |
| Loan and lease loss provision to assets | 0.0269% | 2,457 |
| Net operating income to assets | 1.2836% | 1,873 |
| Return on assets (ROA) | 1.2946% | 1,905 |
| Pretax return on assets | 1.6460% | 1,567 |
| Return on Equity (ROE) | 11.5243% | 2,204 |
| Retained earnings to average equity (ytd only) | -5.8169% | 4,799 |
| Net charge-offs to loans | -0.0043% | 3,389 |
| Credit loss provision to net charge-offs | -1,185.7143% | 3,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4046% | 3,884 |
| Assets per employee ($millions) | 7.6212% | 1,494 |
| Cash dividends to net income (ytd only)* | 150.4745% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 1,815 |
| Loan loss allowance to noncurrent loans | 3,527.5862% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,988 |
| Noncurrent loans to loans | 0.0411% | 3,914 |
| Net loans and leases to total assets | 48.0207% | 3,628 |
| Net loans and leases to deposits | 57.7955% | 3,425 |
| Net loans and leases to core deposits | 59.5003% | 3,507 |
| Total domestic deposits to total assets | 83.0872% | 3,684 |
| Equity capital to assets | 11.5167% | 1,661 |
| Core capital (leverage) ratio | 10.6546% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9687% | 969 |
| Memoranda: | ||
| Average total assets | $412,378,000 | 1,967 |
| Average earning assets | $382,730,750 | 1,977 |
| Average equity | $46,324,000 | 1,900 |
| Average total loans | $216,209,750 | 2,162 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6152% | 2,574 |
| Cost of funding earning assets | 0.3451% | 2,363 |
| Net interest margin | 3.2701% | 2,551 |
| Noninterest income to average assets | 0.5308% | 2,488 |
| Noninterest expense to average assets | 1.9332% | 3,882 |
| Loan and lease loss provision to assets | 0.0306% | 2,368 |
| Net operating income to assets | 1.2631% | 1,983 |
| Return on assets (ROA) | 1.2799% | 2,000 |
| Pretax return on assets | 1.6246% | 1,668 |
| Return on Equity (ROE) | 11.4973% | 2,239 |
| Retained earnings to average equity (ytd only) | -14.1188% | 4,899 |
| Net charge-offs to loans | -0.0064% | 3,510 |
| Credit loss provision to net charge-offs | -885.7143% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0698% | 3,796 |
| Assets per employee ($millions) | 8.1735% | 1,127 |
| Cash dividends to net income (ytd only)* | 222.8009% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 2,139 |
| Loan loss allowance to noncurrent loans | 2,241.1765% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 4,046 |
| Noncurrent loans to loans | 0.0608% | 3,878 |
| Net loans and leases to total assets | 49.9709% | 3,558 |
| Net loans and leases to deposits | 60.5318% | 3,347 |
| Net loans and leases to core deposits | 62.3394% | 3,434 |
| Total domestic deposits to total assets | 82.5531% | 3,803 |
| Equity capital to assets | 11.0397% | 1,952 |
| Core capital (leverage) ratio | 10.1823% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1493% | 1,086 |
| Memoranda: | ||
| Average total assets | $405,033,667 | 1,985 |
| Average earning assets | $376,076,333 | 1,993 |
| Average equity | $45,088,667 | 1,926 |
| Average total loans | $217,721,000 | 2,160 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1547% | 3,767 |
| Cost of funding earning assets | 0.4141% | 1,983 |
| Net interest margin | 2.7406% | 3,884 |
| Noninterest income to average assets | 0.6455% | 2,046 |
| Noninterest expense to average assets | 1.8547% | 4,097 |
| Loan and lease loss provision to assets | 0.0424% | 2,214 |
| Net operating income to assets | 1.0365% | 2,688 |
| Return on assets (ROA) | 1.0365% | 2,769 |
| Pretax return on assets | 1.2951% | 2,586 |
| Return on Equity (ROE) | 9.2658% | 2,936 |
| Retained earnings to average equity (ytd only) | -42.7501% | 4,959 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1011% | 3,284 |
| Assets per employee ($millions) | 7.9755% | 1,210 |
| Cash dividends to net income (ytd only)* | 561.3772% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,615 |
| Loan loss allowance to noncurrent loans | 2,220.5882% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 4,140 |
| Noncurrent loans to loans | 0.0568% | 4,003 |
| Net loans and leases to total assets | 53.9246% | 3,251 |
| Net loans and leases to deposits | 65.0496% | 3,022 |
| Net loans and leases to core deposits | 67.1113% | 3,150 |
| Total domestic deposits to total assets | 82.8978% | 3,709 |
| Equity capital to assets | 10.7133% | 2,070 |
| Core capital (leverage) ratio | 12.8150% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0719% | 1,278 |
| Memoranda: | ||
| Average total assets | $386,693,500 | 2,042 |
| Average earning assets | $359,339,500 | 2,045 |
| Average equity | $43,256,000 | 1,975 |
| Average total loans | $215,279,000 | 2,175 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 3,253 |
| Cost of funding earning assets | 0.7182% | 1,631 |
| Net interest margin | 3.0982% | 3,629 |
| Noninterest income to average assets | 0.4421% | 2,904 |
| Noninterest expense to average assets | 1.9260% | 4,274 |
| Loan and lease loss provision to assets | 0.0564% | 3,664 |
| Net operating income to assets | 1.0781% | 1,994 |
| Return on assets (ROA) | 1.0781% | 2,134 |
| Pretax return on assets | 1.3379% | 1,860 |
| Return on Equity (ROE) | 8.7525% | 2,493 |
| Retained earnings to average equity (ytd only) | 3.4810% | 3,089 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0082% | 3,722 |
| Assets per employee ($millions) | 7.2769% | 1,408 |
| Cash dividends to net income (ytd only)* | 60.2283% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 1,399 |
| Loan loss allowance to noncurrent loans | 27,081.8182% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,450 |
| Noncurrent loans to loans | 0.0058% | 4,370 |
| Net loans and leases to total assets | 56.1690% | 3,285 |
| Net loans and leases to deposits | 69.2215% | 2,960 |
| Net loans and leases to core deposits | 71.3027% | 3,150 |
| Total domestic deposits to total assets | 81.1439% | 3,842 |
| Equity capital to assets | 11.8057% | 1,677 |
| Core capital (leverage) ratio | 10.7037% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0385% | 1,251 |
| Memoranda: | ||
| Average total assets | $308,776,200 | 2,248 |
| Average earning assets | $286,841,200 | 2,248 |
| Average equity | $38,035,000 | 2,091 |
| Average total loans | $185,740,400 | 2,366 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 3,400 |
| Cost of funding earning assets | 0.7912% | 1,543 |
| Net interest margin | 3.0637% | 3,831 |
| Noninterest income to average assets | 0.4653% | 2,760 |
| Noninterest expense to average assets | 1.9623% | 4,230 |
| Loan and lease loss provision to assets | 0.0357% | 3,897 |
| Net operating income to assets | 1.0621% | 2,101 |
| Return on assets (ROA) | 1.0621% | 2,236 |
| Pretax return on assets | 1.3162% | 1,986 |
| Return on Equity (ROE) | 8.5242% | 2,591 |
| Retained earnings to average equity (ytd only) | 1.8337% | 3,988 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2095% | 3,494 |
| Assets per employee ($millions) | 7.2579% | 1,347 |
| Cash dividends to net income (ytd only)* | 78.4884% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 1,358 |
| Loan loss allowance to noncurrent loans | 26,236.3636% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,516 |
| Noncurrent loans to loans | 0.0058% | 4,432 |
| Net loans and leases to total assets | 59.0006% | 3,326 |
| Net loans and leases to deposits | 73.8200% | 2,976 |
| Net loans and leases to core deposits | 76.9035% | 3,101 |
| Total domestic deposits to total assets | 79.9249% | 3,880 |
| Equity capital to assets | 12.1351% | 1,609 |
| Core capital (leverage) ratio | 10.8151% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4415% | 1,151 |
| Memoranda: | ||
| Average total assets | $302,286,250 | 2,268 |
| Average earning assets | $281,090,750 | 2,267 |
| Average equity | $37,664,250 | 2,099 |
| Average total loans | $184,426,250 | 2,379 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 3,514 |
| Cost of funding earning assets | 0.8700% | 1,497 |
| Net interest margin | 3.0656% | 3,978 |
| Noninterest income to average assets | 0.4794% | 2,655 |
| Noninterest expense to average assets | 1.9622% | 4,306 |
| Loan and lease loss provision to assets | 0.0405% | 3,774 |
| Net operating income to assets | 1.0661% | 2,089 |
| Return on assets (ROA) | 1.0661% | 2,211 |
| Pretax return on assets | 1.3210% | 1,960 |
| Return on Equity (ROE) | 8.4769% | 2,568 |
| Retained earnings to average equity (ytd only) | -0.6649% | 4,431 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0383% | 3,547 |
| Assets per employee ($millions) | 7.1999% | 1,333 |
| Cash dividends to net income (ytd only)* | 107.8431% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,322 |
| Loan loss allowance to noncurrent loans | 26,045.4545% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,581 |
| Noncurrent loans to loans | 0.0057% | 4,500 |
| Net loans and leases to total assets | 60.1281% | 3,306 |
| Net loans and leases to deposits | 75.4503% | 2,923 |
| Net loans and leases to core deposits | 78.9388% | 3,031 |
| Total domestic deposits to total assets | 79.6924% | 3,898 |
| Equity capital to assets | 11.9796% | 1,675 |
| Core capital (leverage) ratio | 10.8917% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8826% | 1,273 |
| Memoranda: | ||
| Average total assets | $296,599,667 | 2,275 |
| Average earning assets | $275,186,667 | 2,280 |
| Average equity | $37,301,333 | 2,108 |
| Average total loans | $182,134,333 | 2,384 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 3,456 |
| Cost of funding earning assets | 0.9438% | 1,671 |
| Net interest margin | 3.1794% | 3,911 |
| Noninterest income to average assets | 0.5403% | 2,332 |
| Noninterest expense to average assets | 2.0705% | 4,276 |
| Loan and lease loss provision to assets | 0.0293% | 3,414 |
| Net operating income to assets | 1.1085% | 1,820 |
| Return on assets (ROA) | 1.1085% | 1,911 |
| Pretax return on assets | 1.3752% | 1,640 |
| Return on Equity (ROE) | 8.5892% | 2,282 |
| Retained earnings to average equity (ytd only) | -5.3872% | 4,547 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5822% | 3,800 |
| Assets per employee ($millions) | 6.6087% | 1,289 |
| Cash dividends to net income (ytd only)* | 162.7204% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 1,144 |
| Loan loss allowance to noncurrent loans | 25,690.9091% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,626 |
| Noncurrent loans to loans | 0.0061% | 4,552 |
| Net loans and leases to total assets | 60.8617% | 3,417 |
| Net loans and leases to deposits | 77.8971% | 2,896 |
| Net loans and leases to core deposits | 82.4924% | 2,978 |
| Total domestic deposits to total assets | 78.1308% | 4,196 |
| Equity capital to assets | 12.7610% | 1,580 |
| Core capital (leverage) ratio | 11.7907% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1429% | 1,313 |
| Memoranda: | ||
| Average total assets | $286,501,000 | 2,283 |
| Average earning assets | $264,453,500 | 2,292 |
| Average equity | $36,976,500 | 2,113 |
| Average total loans | $176,527,000 | 2,396 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 3,636 |
| Cost of funding earning assets | 1.0175% | 1,650 |
| Net interest margin | 3.2457% | 4,091 |
| Noninterest income to average assets | 0.4958% | 2,765 |
| Noninterest expense to average assets | 2.1052% | 4,356 |
| Loan and lease loss provision to assets | 0.0350% | 3,312 |
| Net operating income to assets | 1.1015% | 2,441 |
| Return on assets (ROA) | 1.0797% | 2,626 |
| Pretax return on assets | 1.3358% | 2,377 |
| Return on Equity (ROE) | 8.4077% | 2,982 |
| Retained earnings to average equity (ytd only) | 4.0337% | 2,945 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0978% | 3,677 |
| Assets per employee ($millions) | 6.5632% | 1,247 |
| Cash dividends to net income (ytd only)* | 52.0243% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 937 |
| Loan loss allowance to noncurrent loans | 25,500.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,668 |
| Noncurrent loans to loans | 0.0063% | 4,571 |
| Net loans and leases to total assets | 60.3955% | 3,550 |
| Net loans and leases to deposits | 77.3725% | 3,067 |
| Net loans and leases to core deposits | 82.5841% | 3,078 |
| Total domestic deposits to total assets | 78.0581% | 4,351 |
| Equity capital to assets | 13.0559% | 1,481 |
| Core capital (leverage) ratio | 12.3387% | 1,571 |
| Tier 1 risk-based capital ratio | 16.5500% | 2,200 |
| Total risk-based capital ratio | 17.8015% | 2,141 |
| Memoranda: | ||
| Average total assets | $274,517,000 | 2,308 |
| Average earning assets | $254,339,600 | 2,308 |
| Average equity | $35,253,200 | 2,121 |
| Average total loans | $166,349,000 | 2,453 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 3,720 |
| Cost of funding earning assets | 1.0298% | 1,627 |
| Net interest margin | 3.2495% | 4,187 |
| Noninterest income to average assets | 0.5243% | 2,584 |
| Noninterest expense to average assets | 2.1081% | 4,348 |
| Loan and lease loss provision to assets | 0.0352% | 3,193 |
| Net operating income to assets | 1.1279% | 2,462 |
| Return on assets (ROA) | 1.0986% | 2,672 |
| Pretax return on assets | 1.3622% | 2,450 |
| Return on Equity (ROE) | 8.5916% | 3,063 |
| Retained earnings to average equity (ytd only) | 3.1712% | 3,824 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5222% | 3,726 |
| Assets per employee ($millions) | 6.2361% | 1,438 |
| Cash dividends to net income (ytd only)* | 63.0901% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 869 |
| Loan loss allowance to noncurrent loans | 25,281.8182% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,742 |
| Noncurrent loans to loans | 0.0066% | 4,656 |
| Net loans and leases to total assets | 61.1514% | 3,574 |
| Net loans and leases to deposits | 78.6307% | 3,039 |
| Net loans and leases to core deposits | 84.2118% | 3,074 |
| Total domestic deposits to total assets | 77.7704% | 4,393 |
| Equity capital to assets | 13.5405% | 1,340 |
| Core capital (leverage) ratio | 12.3562% | 1,653 |
| Tier 1 risk-based capital ratio | 17.0987% | 2,052 |
| Total risk-based capital ratio | 18.3510% | 2,005 |
| Memoranda: | ||
| Average total assets | $272,591,750 | 2,333 |
| Average earning assets | $253,121,750 | 2,333 |
| Average equity | $34,855,000 | 2,156 |
| Average total loans | $164,623,250 | 2,486 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 3,822 |
| Cost of funding earning assets | 1.0224% | 1,592 |
| Net interest margin | 3.2168% | 4,328 |
| Noninterest income to average assets | 0.5086% | 2,629 |
| Noninterest expense to average assets | 2.0973% | 4,422 |
| Loan and lease loss provision to assets | 0.0350% | 3,125 |
| Net operating income to assets | 1.0991% | 2,525 |
| Return on assets (ROA) | 1.0559% | 2,762 |
| Pretax return on assets | 1.3164% | 2,495 |
| Return on Equity (ROE) | 8.4201% | 3,108 |
| Retained earnings to average equity (ytd only) | 0.8728% | 4,469 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8750% | 3,746 |
| Assets per employee ($millions) | 6.4001% | 1,284 |
| Cash dividends to net income (ytd only)* | 89.6337% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 878 |
| Loan loss allowance to noncurrent loans | 1,712.4224% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 4,451 |
| Noncurrent loans to loans | 0.0974% | 4,241 |
| Net loans and leases to total assets | 59.0862% | 3,815 |
| Net loans and leases to deposits | 74.6935% | 3,458 |
| Net loans and leases to core deposits | 81.2166% | 3,319 |
| Total domestic deposits to total assets | 79.1049% | 4,197 |
| Equity capital to assets | 12.8738% | 1,650 |
| Core capital (leverage) ratio | 11.9064% | 1,883 |
| Tier 1 risk-based capital ratio | 16.8283% | 2,137 |
| Total risk-based capital ratio | 18.0805% | 2,077 |
| Memoranda: | ||
| Average total assets | $274,072,000 | 2,335 |
| Average earning assets | $255,097,670 | 2,327 |
| Average equity | $34,370,330 | 2,173 |
| Average total loans | $163,911,330 | 2,495 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 3,958 |
| Cost of funding earning assets | 0.9824% | 1,644 |
| Net interest margin | 3.1862% | 4,415 |
| Noninterest income to average assets | 0.4753% | 2,704 |
| Noninterest expense to average assets | 2.1367% | 4,405 |
| Loan and lease loss provision to assets | 0.0351% | 2,922 |
| Net operating income to assets | 1.0280% | 2,754 |
| Return on assets (ROA) | 0.9404% | 3,130 |
| Pretax return on assets | 1.1598% | 2,938 |
| Return on Equity (ROE) | 7.6002% | 3,420 |
| Retained earnings to average equity (ytd only) | -6.3119% | 4,986 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1173% | 3,516 |
| Assets per employee ($millions) | 6.1696% | 1,421 |
| Cash dividends to net income (ytd only)* | 183.0482% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 1,009 |
| Loan loss allowance to noncurrent loans | 173.4137% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 2,323 |
| Noncurrent loans to loans | 0.9400% | 1,784 |
| Net loans and leases to total assets | 60.7546% | 3,633 |
| Net loans and leases to deposits | 76.9023% | 3,175 |
| Net loans and leases to core deposits | 81.1469% | 3,259 |
| Total domestic deposits to total assets | 79.0024% | 4,348 |
| Equity capital to assets | 12.5376% | 1,717 |
| Core capital (leverage) ratio | 11.8380% | 1,876 |
| Tier 1 risk-based capital ratio | 16.3006% | 2,339 |
| Total risk-based capital ratio | 17.5527% | 2,283 |
| Memoranda: | ||
| Average total assets | $273,506,500 | 2,354 |
| Average earning assets | $254,474,500 | 2,351 |
| Average equity | $33,841,000 | 2,195 |
| Average total loans | $163,185,000 | 2,531 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 3,721 |
| Cost of funding earning assets | 0.7937% | 1,551 |
| Net interest margin | 3.3136% | 4,214 |
| Noninterest income to average assets | 0.5597% | 2,493 |
| Noninterest expense to average assets | 2.2741% | 4,178 |
| Loan and lease loss provision to assets | 0.0573% | 3,019 |
| Net operating income to assets | 1.0737% | 2,703 |
| Return on assets (ROA) | 1.0786% | 2,676 |
| Pretax return on assets | 1.3348% | 2,383 |
| Return on Equity (ROE) | 8.6743% | 3,154 |
| Retained earnings to average equity (ytd only) | 4.0900% | 3,307 |
| Net charge-offs to loans | 0.0275% | 2,859 |
| Credit loss provision to net charge-offs | 340.9091% | 922 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 848 |
| Efficiency ratio | 62.1323% | 3,497 |
| Assets per employee ($millions) | 6.4081% | 1,260 |
| Cash dividends to net income (ytd only)* | 52.8496% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 824 |
| Loan loss allowance to noncurrent loans | 1,682.6087% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 4,539 |
| Noncurrent loans to loans | 0.1014% | 4,276 |
| Net loans and leases to total assets | 56.6146% | 4,086 |
| Net loans and leases to deposits | 71.4231% | 3,718 |
| Net loans and leases to core deposits | 74.8120% | 3,796 |
| Total domestic deposits to total assets | 79.2665% | 4,256 |
| Equity capital to assets | 12.2109% | 1,750 |
| Core capital (leverage) ratio | 12.4489% | 1,483 |
| Tier 1 risk-based capital ratio | 17.2322% | 1,984 |
| Total risk-based capital ratio | 18.4845% | 1,932 |
| Memoranda: | ||
| Average total assets | $261,905,200 | 2,387 |
| Average earning assets | $245,052,400 | 2,378 |
| Average equity | $32,567,400 | 2,183 |
| Average total loans | $160,285,400 | 2,527 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 3,530 |
| Cost of funding earning assets | 0.7675% | 1,492 |
| Net interest margin | 3.3634% | 4,122 |
| Noninterest income to average assets | 0.5715% | 2,465 |
| Noninterest expense to average assets | 2.3066% | 4,080 |
| Loan and lease loss provision to assets | 0.0583% | 2,809 |
| Net operating income to assets | 1.0936% | 2,692 |
| Return on assets (ROA) | 1.1002% | 2,685 |
| Pretax return on assets | 1.3679% | 2,350 |
| Return on Equity (ROE) | 8.8054% | 3,186 |
| Retained earnings to average equity (ytd only) | 3.1250% | 4,185 |
| Net charge-offs to loans | 0.0365% | 2,352 |
| Credit loss provision to net charge-offs | 256.8182% | 1,151 |
| Earnings coverage of net charge-offs (x) | 62.4721% | 1,034 |
| Efficiency ratio | 61.9305% | 3,516 |
| Assets per employee ($millions) | 5.8497% | 1,609 |
| Cash dividends to net income (ytd only)* | 64.5100% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 891 |
| Loan loss allowance to noncurrent loans | 1,659.6273% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 4,640 |
| Noncurrent loans to loans | 0.1019% | 4,430 |
| Net loans and leases to total assets | 61.7697% | 3,678 |
| Net loans and leases to deposits | 79.4777% | 3,091 |
| Net loans and leases to core deposits | 83.4484% | 3,202 |
| Total domestic deposits to total assets | 77.7196% | 4,529 |
| Equity capital to assets | 12.9865% | 1,348 |
| Core capital (leverage) ratio | 13.0325% | 1,269 |
| Tier 1 risk-based capital ratio | 17.9340% | 1,810 |
| Total risk-based capital ratio | 19.1868% | 1,772 |
| Memoranda: | ||
| Average total assets | $258,494,250 | 2,422 |
| Average earning assets | $242,326,750 | 2,411 |
| Average equity | $32,297,500 | 2,199 |
| Average total loans | $160,679,250 | 2,527 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 3,543 |
| Cost of funding earning assets | 0.7475% | 1,377 |
| Net interest margin | 3.3258% | 4,174 |
| Noninterest income to average assets | 0.5813% | 2,426 |
| Noninterest expense to average assets | 2.3388% | 4,052 |
| Loan and lease loss provision to assets | 0.0575% | 2,759 |
| Net operating income to assets | 1.0616% | 2,748 |
| Return on assets (ROA) | 1.0237% | 2,926 |
| Pretax return on assets | 1.2599% | 2,678 |
| Return on Equity (ROE) | 8.2985% | 3,362 |
| Retained earnings to average equity (ytd only) | 0.4724% | 4,870 |
| Net charge-offs to loans | 0.0656% | 1,687 |
| Credit loss provision to net charge-offs | 141.5094% | 1,635 |
| Earnings coverage of net charge-offs (x) | 33.5660% | 1,413 |
| Efficiency ratio | 63.1601% | 3,444 |
| Assets per employee ($millions) | 5.8651% | 1,579 |
| Cash dividends to net income (ytd only)* | 94.3071% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 1,084 |
| Loan loss allowance to noncurrent loans | 1,630.4348% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 4,684 |
| Noncurrent loans to loans | 0.0987% | 4,466 |
| Net loans and leases to total assets | 62.1807% | 3,580 |
| Net loans and leases to deposits | 78.0477% | 3,154 |
| Net loans and leases to core deposits | 81.5840% | 3,281 |
| Total domestic deposits to total assets | 79.6702% | 4,315 |
| Equity capital to assets | 12.4605% | 1,559 |
| Core capital (leverage) ratio | 12.4844% | 1,447 |
| Tier 1 risk-based capital ratio | 16.9524% | 2,118 |
| Total risk-based capital ratio | 18.2042% | 2,059 |
| Memoranda: | ||
| Average total assets | $260,812,670 | 2,413 |
| Average earning assets | $244,813,000 | 2,397 |
| Average equity | $32,174,670 | 2,218 |
| Average total loans | $161,556,670 | 2,533 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,665 |
| Cost of funding earning assets | 0.7063% | 1,405 |
| Net interest margin | 3.2784% | 4,239 |
| Noninterest income to average assets | 0.6316% | 2,120 |
| Noninterest expense to average assets | 2.2884% | 4,212 |
| Loan and lease loss provision to assets | 0.0580% | 2,610 |
| Net operating income to assets | 1.1113% | 2,375 |
| Return on assets (ROA) | 1.0359% | 2,725 |
| Pretax return on assets | 1.2724% | 2,467 |
| Return on Equity (ROE) | 8.4390% | 3,174 |
| Retained earnings to average equity (ytd only) | -1.0813% | 4,918 |
| Net charge-offs to loans | 0.1318% | 1,014 |
| Credit loss provision to net charge-offs | 71.6981% | 1,813 |
| Earnings coverage of net charge-offs (x) | 17.6038% | 1,574 |
| Efficiency ratio | 61.6523% | 3,848 |
| Assets per employee ($millions) | 5.7874% | 1,696 |
| Cash dividends to net income (ytd only)* | 112.8130% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 1,172 |
| Loan loss allowance to noncurrent loans | 1,287.5622% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 4,673 |
| Noncurrent loans to loans | 0.1239% | 4,410 |
| Net loans and leases to total assets | 62.7010% | 3,462 |
| Net loans and leases to deposits | 79.2854% | 2,889 |
| Net loans and leases to core deposits | 83.0356% | 3,062 |
| Total domestic deposits to total assets | 79.0826% | 4,565 |
| Equity capital to assets | 12.4361% | 1,517 |
| Core capital (leverage) ratio | 12.1724% | 1,546 |
| Tier 1 risk-based capital ratio | 16.7034% | 2,212 |
| Total risk-based capital ratio | 17.9547% | 2,156 |
| Memoranda: | ||
| Average total assets | $262,187,000 | 2,429 |
| Average earning assets | $246,341,000 | 2,408 |
| Average equity | $32,184,000 | 2,229 |
| Average total loans | $160,789,500 | 2,561 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2279% | 2,587 |
| Cost of funding earning assets | 0.7847% | 676 |
| Net interest margin | 3.4433% | 3,709 |
| Noninterest income to average assets | 0.4151% | 3,531 |
| Noninterest expense to average assets | 1.9511% | 5,046 |
| Loan and lease loss provision to assets | 0.0786% | 2,625 |
| Net operating income to assets | 1.0751% | 1,961 |
| Return on assets (ROA) | 1.0751% | 1,977 |
| Pretax return on assets | 1.6061% | 1,271 |
| Return on Equity (ROE) | 8.9353% | 2,349 |
| Retained earnings to average equity (ytd only) | 5.7083% | 1,700 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6647% | 4,973 |
| Assets per employee ($millions) | 6.5898% | 1,157 |
| Cash dividends to net income (ytd only)* | 36.1145% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 1,423 |
| Loan loss allowance to noncurrent loans | 620.9486% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 4,309 |
| Noncurrent loans to loans | 0.2409% | 3,938 |
| Net loans and leases to total assets | 65.4063% | 3,170 |
| Net loans and leases to deposits | 83.2822% | 2,573 |
| Net loans and leases to core deposits | 87.1526% | 2,806 |
| Total domestic deposits to total assets | 78.5357% | 4,635 |
| Equity capital to assets | 11.9534% | 1,862 |
| Core capital (leverage) ratio | 11.1010% | 2,247 |
| Tier 1 risk-based capital ratio | 14.7494% | 2,962 |
| Total risk-based capital ratio | 16.0007% | 2,901 |
| Memoranda: | ||
| Average total assets | $152,731,400 | 3,434 |
| Average earning assets | $142,859,000 | 3,414 |
| Average equity | $18,376,600 | 3,319 |
| Average total loans | $102,510,000 | 3,307 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2356% | 2,494 |
| Cost of funding earning assets | 0.7690% | 687 |
| Net interest margin | 3.4666% | 3,619 |
| Noninterest income to average assets | 0.4210% | 3,551 |
| Noninterest expense to average assets | 1.9554% | 5,035 |
| Loan and lease loss provision to assets | 0.0793% | 2,499 |
| Net operating income to assets | 1.1001% | 2,092 |
| Return on assets (ROA) | 1.1001% | 2,144 |
| Pretax return on assets | 1.6303% | 1,313 |
| Return on Equity (ROE) | 9.1276% | 2,533 |
| Retained earnings to average equity (ytd only) | 4.7940% | 3,022 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3526% | 4,983 |
| Assets per employee ($millions) | 6.3188% | 1,297 |
| Cash dividends to net income (ytd only)* | 47.4782% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 1,597 |
| Loan loss allowance to noncurrent loans | 957.1429% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 4,666 |
| Noncurrent loans to loans | 0.1551% | 4,437 |
| Net loans and leases to total assets | 67.4325% | 2,934 |
| Net loans and leases to deposits | 86.9826% | 2,185 |
| Net loans and leases to core deposits | 91.0242% | 2,525 |
| Total domestic deposits to total assets | 77.5241% | 4,801 |
| Equity capital to assets | 12.3870% | 1,726 |
| Core capital (leverage) ratio | 10.9233% | 2,528 |
| Tier 1 risk-based capital ratio | 14.8316% | 2,999 |
| Total risk-based capital ratio | 16.0831% | 2,927 |
| Memoranda: | ||
| Average total assets | $151,375,250 | 3,482 |
| Average earning assets | $141,653,000 | 3,453 |
| Average equity | $18,244,500 | 3,363 |
| Average total loans | $101,883,750 | 3,351 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 2,543 |
| Cost of funding earning assets | 0.7439% | 707 |
| Net interest margin | 3.4366% | 3,641 |
| Noninterest income to average assets | 0.4178% | 3,579 |
| Noninterest expense to average assets | 1.9830% | 5,006 |
| Loan and lease loss provision to assets | 0.0793% | 2,399 |
| Net operating income to assets | 1.0589% | 2,170 |
| Return on assets (ROA) | 1.0589% | 2,208 |
| Pretax return on assets | 1.5679% | 1,438 |
| Return on Equity (ROE) | 8.8683% | 2,573 |
| Retained earnings to average equity (ytd only) | 2.3029% | 4,300 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6249% | 4,960 |
| Assets per employee ($millions) | 6.4073% | 1,203 |
| Cash dividends to net income (ytd only)* | 74.0325% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 1,658 |
| Loan loss allowance to noncurrent loans | 938.5093% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 4,742 |
| Noncurrent loans to loans | 0.1574% | 4,486 |
| Net loans and leases to total assets | 65.5332% | 3,178 |
| Net loans and leases to deposits | 83.7778% | 2,513 |
| Net loans and leases to core deposits | 87.5685% | 2,743 |
| Total domestic deposits to total assets | 78.2226% | 4,782 |
| Equity capital to assets | 11.9721% | 1,950 |
| Core capital (leverage) ratio | 10.8782% | 2,528 |
| Tier 1 risk-based capital ratio | 14.5347% | 3,146 |
| Total risk-based capital ratio | 15.7857% | 3,071 |
| Memoranda: | ||
| Average total assets | $151,283,330 | 3,503 |
| Average earning assets | $141,417,670 | 3,475 |
| Average equity | $18,064,330 | 3,386 |
| Average total loans | $101,244,000 | 3,373 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 2,553 |
| Cost of funding earning assets | 0.7072% | 814 |
| Net interest margin | 3.4213% | 3,564 |
| Noninterest income to average assets | 0.4799% | 3,116 |
| Noninterest expense to average assets | 2.0182% | 5,010 |
| Loan and lease loss provision to assets | 0.0800% | 2,209 |
| Net operating income to assets | 1.0611% | 2,026 |
| Return on assets (ROA) | 1.0611% | 2,065 |
| Pretax return on assets | 1.5676% | 1,317 |
| Return on Equity (ROE) | 8.8981% | 2,467 |
| Retained earnings to average equity (ytd only) | -4.3596% | 5,346 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0545% | 5,038 |
| Assets per employee ($millions) | 6.2473% | 1,330 |
| Cash dividends to net income (ytd only)* | 148.9950% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 1,917 |
| Loan loss allowance to noncurrent loans | 919.8758% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 4,797 |
| Noncurrent loans to loans | 0.1562% | 4,565 |
| Net loans and leases to total assets | 67.7767% | 2,714 |
| Net loans and leases to deposits | 87.3821% | 1,873 |
| Net loans and leases to core deposits | 90.4737% | 2,314 |
| Total domestic deposits to total assets | 77.5636% | 5,030 |
| Equity capital to assets | 11.9092% | 1,903 |
| Core capital (leverage) ratio | 10.9530% | 2,406 |
| Tier 1 risk-based capital ratio | 14.2089% | 3,357 |
| Total risk-based capital ratio | 15.4600% | 3,277 |
| Memoranda: | ||
| Average total assets | $150,038,000 | 3,550 |
| Average earning assets | $139,711,500 | 3,532 |
| Average equity | $17,891,500 | 3,422 |
| Average total loans | $100,724,000 | 3,408 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 2,445 |
| Cost of funding earning assets | 0.6674% | 965 |
| Net interest margin | 3.5449% | 3,270 |
| Noninterest income to average assets | 0.4370% | 3,640 |
| Noninterest expense to average assets | 1.9884% | 5,213 |
| Loan and lease loss provision to assets | 0.0634% | 3,112 |
| Net operating income to assets | 1.1585% | 1,657 |
| Return on assets (ROA) | 1.1609% | 1,740 |
| Pretax return on assets | 1.6980% | 1,004 |
| Return on Equity (ROE) | 9.3360% | 2,256 |
| Retained earnings to average equity (ytd only) | 6.3657% | 1,517 |
| Net charge-offs to loans | 0.0249% | 3,546 |
| Credit loss provision to net charge-offs | 391.3043% | 807 |
| Earnings coverage of net charge-offs (x) | 108.4348% | 557 |
| Efficiency ratio | 52.6435% | 5,336 |
| Assets per employee ($millions) | 6.2559% | 1,290 |
| Cash dividends to net income (ytd only)* | 31.8154% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 1,775 |
| Loan loss allowance to noncurrent loans | 901.2422% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 4,845 |
| Noncurrent loans to loans | 0.1637% | 4,578 |
| Net loans and leases to total assets | 64.5360% | 3,282 |
| Net loans and leases to deposits | 86.1802% | 2,143 |
| Net loans and leases to core deposits | 87.4385% | 2,731 |
| Total domestic deposits to total assets | 74.8849% | 5,364 |
| Equity capital to assets | 11.9401% | 1,850 |
| Core capital (leverage) ratio | 11.3127% | 2,069 |
| Tier 1 risk-based capital ratio | 14.5825% | 3,163 |
| Total risk-based capital ratio | 15.8330% | 3,095 |
| Memoranda: | ||
| Average total assets | $141,874,200 | 3,644 |
| Average earning assets | $132,444,800 | 3,610 |
| Average equity | $17,641,400 | 3,466 |
| Average total loans | $92,398,000 | 3,527 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 2,336 |
| Cost of funding earning assets | 0.6717% | 941 |
| Net interest margin | 3.5776% | 3,169 |
| Noninterest income to average assets | 0.4454% | 3,591 |
| Noninterest expense to average assets | 2.0008% | 5,201 |
| Loan and lease loss provision to assets | 0.0648% | 2,934 |
| Net operating income to assets | 1.1831% | 1,697 |
| Return on assets (ROA) | 1.1864% | 1,787 |
| Pretax return on assets | 1.7366% | 1,024 |
| Return on Equity (ROE) | 9.4401% | 2,294 |
| Retained earnings to average equity (ytd only) | 5.4637% | 2,507 |
| Net charge-offs to loans | 0.0352% | 2,927 |
| Credit loss provision to net charge-offs | 283.3333% | 1,089 |
| Earnings coverage of net charge-offs (x) | 78.4981% | 797 |
| Efficiency ratio | 52.2602% | 5,369 |
| Assets per employee ($millions) | 6.1037% | 1,353 |
| Cash dividends to net income (ytd only)* | 42.1221% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 1,650 |
| Loan loss allowance to noncurrent loans | 886.9565% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 4,911 |
| Noncurrent loans to loans | 0.1728% | 4,664 |
| Net loans and leases to total assets | 65.3577% | 3,227 |
| Net loans and leases to deposits | 85.0975% | 2,356 |
| Net loans and leases to core deposits | 86.7854% | 2,873 |
| Total domestic deposits to total assets | 76.8032% | 5,120 |
| Equity capital to assets | 12.9144% | 1,532 |
| Core capital (leverage) ratio | 11.5971% | 1,961 |
| Tier 1 risk-based capital ratio | 15.2097% | 2,951 |
| Total risk-based capital ratio | 16.4614% | 2,888 |
| Memoranda: | ||
| Average total assets | $139,807,500 | 3,699 |
| Average earning assets | $130,998,250 | 3,657 |
| Average equity | $17,570,000 | 3,503 |
| Average total loans | $90,911,000 | 3,577 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 2,311 |
| Cost of funding earning assets | 0.6756% | 918 |
| Net interest margin | 3.5800% | 3,173 |
| Noninterest income to average assets | 0.4183% | 3,756 |
| Noninterest expense to average assets | 2.0170% | 5,239 |
| Loan and lease loss provision to assets | 0.0645% | 2,854 |
| Net operating income to assets | 1.1559% | 1,750 |
| Return on assets (ROA) | 1.1589% | 1,849 |
| Pretax return on assets | 1.6889% | 1,123 |
| Return on Equity (ROE) | 9.3078% | 2,359 |
| Retained earnings to average equity (ytd only) | 3.2790% | 3,811 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1000% | 5,379 |
| Assets per employee ($millions) | 5.8009% | 1,546 |
| Cash dividends to net income (ytd only)* | 64.7713% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 1,746 |
| Loan loss allowance to noncurrent loans | 721.7172% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 4,885 |
| Noncurrent loans to loans | 0.2123% | 4,590 |
| Net loans and leases to total assets | 65.9513% | 3,092 |
| Net loans and leases to deposits | 84.5524% | 2,402 |
| Net loans and leases to core deposits | 85.9462% | 2,904 |
| Total domestic deposits to total assets | 78.0004% | 5,001 |
| Equity capital to assets | 12.7689% | 1,627 |
| Core capital (leverage) ratio | 11.0855% | 2,340 |
| Tier 1 risk-based capital ratio | 14.7556% | 3,177 |
| Total risk-based capital ratio | 16.0072% | 3,125 |
| Memoranda: | ||
| Average total assets | $139,614,670 | 3,728 |
| Average earning assets | $130,558,670 | 3,682 |
| Average equity | $17,383,330 | 3,528 |
| Average total loans | $90,154,330 | 3,611 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 2,411 |
| Cost of funding earning assets | 0.6642% | 972 |
| Net interest margin | 3.5518% | 3,265 |
| Noninterest income to average assets | 0.4520% | 3,468 |
| Noninterest expense to average assets | 2.0571% | 5,207 |
| Loan and lease loss provision to assets | 0.0629% | 2,695 |
| Net operating income to assets | 1.1272% | 1,801 |
| Return on assets (ROA) | 1.1272% | 1,906 |
| Pretax return on assets | 1.6365% | 1,213 |
| Return on Equity (ROE) | 9.1700% | 2,331 |
| Retained earnings to average equity (ytd only) | -3.0256% | 5,474 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3031% | 5,361 |
| Assets per employee ($millions) | 6.1170% | 1,325 |
| Cash dividends to net income (ytd only)* | 132.9949% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 1,799 |
| Loan loss allowance to noncurrent loans | 713.7056% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 4,958 |
| Noncurrent loans to loans | 0.2168% | 4,653 |
| Net loans and leases to total assets | 63.5727% | 3,305 |
| Net loans and leases to deposits | 81.8540% | 2,564 |
| Net loans and leases to core deposits | 83.1870% | 3,019 |
| Total domestic deposits to total assets | 77.6659% | 5,196 |
| Equity capital to assets | 12.2645% | 1,852 |
| Core capital (leverage) ratio | 11.0372% | 2,372 |
| Tier 1 risk-based capital ratio | 14.5227% | 3,381 |
| Total risk-based capital ratio | 15.7750% | 3,319 |
| Memoranda: | ||
| Average total assets | $139,811,500 | 3,749 |
| Average earning assets | $130,074,000 | 3,713 |
| Average equity | $17,186,500 | 3,553 |
| Average total loans | $88,608,000 | 3,644 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 2,077 |
| Cost of funding earning assets | 0.6786% | 923 |
| Net interest margin | 3.6661% | 2,877 |
| Noninterest income to average assets | 0.3918% | 4,092 |
| Noninterest expense to average assets | 2.0058% | 5,444 |
| Loan and lease loss provision to assets | 0.0796% | 2,692 |
| Net operating income to assets | 1.1780% | 1,632 |
| Return on assets (ROA) | 1.1806% | 1,694 |
| Pretax return on assets | 1.7202% | 954 |
| Return on Equity (ROE) | 9.4183% | 2,263 |
| Retained earnings to average equity (ytd only) | 5.3681% | 2,159 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3022% | 5,619 |
| Assets per employee ($millions) | 6.0405% | 1,360 |
| Cash dividends to net income (ytd only)* | 43.0039% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 1,609 |
| Loan loss allowance to noncurrent loans | 859.6273% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 5,073 |
| Noncurrent loans to loans | 0.1864% | 4,739 |
| Net loans and leases to total assets | 61.1702% | 3,666 |
| Net loans and leases to deposits | 78.8146% | 2,960 |
| Net loans and leases to core deposits | 80.3785% | 3,303 |
| Total domestic deposits to total assets | 77.6128% | 5,229 |
| Equity capital to assets | 12.3211% | 1,721 |
| Core capital (leverage) ratio | 10.9829% | 2,422 |
| Tier 1 risk-based capital ratio | 14.6880% | 3,334 |
| Total risk-based capital ratio | 15.9402% | 3,263 |
| Memoranda: | ||
| Average total assets | $131,965,200 | 3,849 |
| Average earning assets | $122,747,000 | 3,822 |
| Average equity | $16,542,200 | 3,594 |
| Average total loans | $85,368,400 | 3,691 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 1,938 |
| Cost of funding earning assets | 0.6764% | 947 |
| Net interest margin | 3.7177% | 2,681 |
| Noninterest income to average assets | 0.4136% | 3,979 |
| Noninterest expense to average assets | 1.9832% | 5,513 |
| Loan and lease loss provision to assets | 0.0768% | 2,654 |
| Net operating income to assets | 1.2466% | 1,503 |
| Return on assets (ROA) | 1.2501% | 1,540 |
| Pretax return on assets | 1.8307% | 838 |
| Return on Equity (ROE) | 9.9276% | 2,132 |
| Retained earnings to average equity (ytd only) | 4.6589% | 3,156 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5929% | 5,744 |
| Assets per employee ($millions) | 5.7630% | 1,538 |
| Cash dividends to net income (ytd only)* | 53.0713% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 1,864 |
| Loan loss allowance to noncurrent loans | 840.9938% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 5,174 |
| Noncurrent loans to loans | 0.1875% | 4,897 |
| Net loans and leases to total assets | 66.6590% | 2,905 |
| Net loans and leases to deposits | 88.2313% | 1,870 |
| Net loans and leases to core deposits | 90.1984% | 2,445 |
| Total domestic deposits to total assets | 75.5503% | 5,565 |
| Equity capital to assets | 13.3081% | 1,304 |
| Core capital (leverage) ratio | 11.3177% | 2,175 |
| Tier 1 risk-based capital ratio | 14.9378% | 3,324 |
| Total risk-based capital ratio | 16.1904% | 3,275 |
| Memoranda: | ||
| Average total assets | $130,223,500 | 3,923 |
| Average earning assets | $121,613,750 | 3,889 |
| Average equity | $16,398,250 | 3,642 |
| Average total loans | $85,118,250 | 3,728 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 1,997 |
| Cost of funding earning assets | 0.6798% | 933 |
| Net interest margin | 3.6750% | 2,817 |
| Noninterest income to average assets | 0.4095% | 4,011 |
| Noninterest expense to average assets | 1.9776% | 5,567 |
| Loan and lease loss provision to assets | 0.0685% | 2,743 |
| Net operating income to assets | 1.2256% | 1,525 |
| Return on assets (ROA) | 1.2256% | 1,599 |
| Pretax return on assets | 1.7873% | 915 |
| Return on Equity (ROE) | 9.9138% | 2,114 |
| Retained earnings to average equity (ytd only) | 2.1921% | 4,616 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1517% | 5,783 |
| Assets per employee ($millions) | 5.6538% | 1,616 |
| Cash dividends to net income (ytd only)* | 77.8882% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 2,162 |
| Loan loss allowance to noncurrent loans | 822.3602% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 5,288 |
| Noncurrent loans to loans | 0.1861% | 5,035 |
| Net loans and leases to total assets | 65.5283% | 3,037 |
| Net loans and leases to deposits | 86.2503% | 2,027 |
| Net loans and leases to core deposits | 88.1116% | 2,543 |
| Total domestic deposits to total assets | 75.9745% | 5,599 |
| Equity capital to assets | 12.4541% | 1,686 |
| Core capital (leverage) ratio | 10.7785% | 2,642 |
| Tier 1 risk-based capital ratio | 14.2570% | 3,789 |
| Total risk-based capital ratio | 15.5083% | 3,716 |
| Memoranda: | ||
| Average total assets | $131,369,000 | 3,940 |
| Average earning assets | $122,394,670 | 3,905 |
| Average equity | $16,240,000 | 3,686 |
| Average total loans | $84,868,000 | 3,754 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 2,047 |
| Cost of funding earning assets | 0.6739% | 978 |
| Net interest margin | 3.6413% | 2,852 |
| Noninterest income to average assets | 0.4181% | 3,857 |
| Noninterest expense to average assets | 2.0116% | 5,559 |
| Loan and lease loss provision to assets | 0.0697% | 2,545 |
| Net operating income to assets | 1.1785% | 1,609 |
| Return on assets (ROA) | 1.1785% | 1,708 |
| Pretax return on assets | 1.7086% | 1,032 |
| Return on Equity (ROE) | 9.5680% | 2,194 |
| Retained earnings to average equity (ytd only) | -2.6810% | 5,763 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5979% | 5,777 |
| Assets per employee ($millions) | 5.6043% | 1,711 |
| Cash dividends to net income (ytd only)* | 128.0206% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 2,239 |
| Loan loss allowance to noncurrent loans | 808.6957% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 5,378 |
| Noncurrent loans to loans | 0.1916% | 5,098 |
| Net loans and leases to total assets | 64.1875% | 3,065 |
| Net loans and leases to deposits | 84.2115% | 2,040 |
| Net loans and leases to core deposits | 86.9360% | 2,440 |
| Total domestic deposits to total assets | 76.2217% | 5,714 |
| Equity capital to assets | 12.7193% | 1,561 |
| Core capital (leverage) ratio | 10.6420% | 2,802 |
| Tier 1 risk-based capital ratio | 14.2413% | 3,854 |
| Total risk-based capital ratio | 15.4917% | 3,783 |
| Memoranda: | ||
| Average total assets | $132,035,000 | 3,954 |
| Average earning assets | $122,264,500 | 3,934 |
| Average equity | $16,262,500 | 3,707 |
| Average total loans | $84,034,500 | 3,798 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 2,074 |
| Cost of funding earning assets | 0.7144% | 1,033 |
| Net interest margin | 3.7346% | 2,858 |
| Noninterest income to average assets | 0.3492% | 4,609 |
| Noninterest expense to average assets | 1.9961% | 5,766 |
| Loan and lease loss provision to assets | 0.0706% | 3,075 |
| Net operating income to assets | 1.2060% | 1,568 |
| Return on assets (ROA) | 1.2044% | 1,627 |
| Pretax return on assets | 1.7419% | 907 |
| Return on Equity (ROE) | 10.3113% | 1,981 |
| Retained earnings to average equity (ytd only) | 8.7596% | 758 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9045% | 5,990 |
| Assets per employee ($millions) | 5.8770% | 1,470 |
| Cash dividends to net income (ytd only)* | 15.0489% | 3,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 2,376 |
| Loan loss allowance to noncurrent loans | 794.4099% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 5,485 |
| Noncurrent loans to loans | 0.1916% | 5,137 |
| Net loans and leases to total assets | 61.2195% | 3,610 |
| Net loans and leases to deposits | 77.7750% | 2,998 |
| Net loans and leases to core deposits | 80.0912% | 3,290 |
| Total domestic deposits to total assets | 78.7136% | 5,306 |
| Equity capital to assets | 11.9330% | 2,063 |
| Core capital (leverage) ratio | 11.0684% | 2,342 |
| Tier 1 risk-based capital ratio | 14.4632% | 3,800 |
| Total risk-based capital ratio | 15.7142% | 3,735 |
| Memoranda: | ||
| Average total assets | $127,449,800 | 4,032 |
| Average earning assets | $118,139,200 | 4,004 |
| Average equity | $14,886,600 | 3,858 |
| Average total loans | $80,203,600 | 3,872 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 1,868 |
| Cost of funding earning assets | 0.7219% | 1,037 |
| Net interest margin | 3.7781% | 2,698 |
| Noninterest income to average assets | 0.3293% | 4,800 |
| Noninterest expense to average assets | 2.0087% | 5,759 |
| Loan and lease loss provision to assets | 0.0712% | 2,924 |
| Net operating income to assets | 1.2238% | 1,596 |
| Return on assets (ROA) | 1.2216% | 1,661 |
| Pretax return on assets | 1.7654% | 952 |
| Return on Equity (ROE) | 10.5195% | 1,987 |
| Retained earnings to average equity (ytd only) | 8.4796% | 1,156 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7251% | 6,010 |
| Assets per employee ($millions) | 5.6135% | 1,625 |
| Cash dividends to net income (ytd only)* | 19.3915% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 2,410 |
| Loan loss allowance to noncurrent loans | 780.1242% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 5,582 |
| Noncurrent loans to loans | 0.2015% | 5,296 |
| Net loans and leases to total assets | 63.6763% | 3,234 |
| Net loans and leases to deposits | 83.6683% | 2,198 |
| Net loans and leases to core deposits | 86.7291% | 2,581 |
| Total domestic deposits to total assets | 76.1057% | 5,800 |
| Equity capital to assets | 12.4990% | 1,703 |
| Core capital (leverage) ratio | 11.1151% | 2,383 |
| Tier 1 risk-based capital ratio | 15.4083% | 3,369 |
| Total risk-based capital ratio | 16.6607% | 3,301 |
| Memoranda: | ||
| Average total assets | $125,519,500 | 4,105 |
| Average earning assets | $116,915,750 | 4,061 |
| Average equity | $14,575,750 | 3,932 |
| Average total loans | $79,247,000 | 3,924 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 1,939 |
| Cost of funding earning assets | 0.7177% | 1,103 |
| Net interest margin | 3.7489% | 2,764 |
| Noninterest income to average assets | 0.2583% | 5,345 |
| Noninterest expense to average assets | 2.0207% | 5,803 |
| Loan and lease loss provision to assets | 0.0713% | 2,846 |
| Net operating income to assets | 1.1508% | 1,754 |
| Return on assets (ROA) | 1.1474% | 1,847 |
| Pretax return on assets | 1.6467% | 1,147 |
| Return on Equity (ROE) | 10.1337% | 2,091 |
| Retained earnings to average equity (ytd only) | 8.0342% | 1,319 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5140% | 5,950 |
| Assets per employee ($millions) | 5.7341% | 1,491 |
| Cash dividends to net income (ytd only)* | 20.7182% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 2,701 |
| Loan loss allowance to noncurrent loans | 472.7969% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 5,423 |
| Noncurrent loans to loans | 0.3264% | 5,032 |
| Net loans and leases to total assets | 62.4070% | 3,339 |
| Net loans and leases to deposits | 79.6501% | 2,568 |
| Net loans and leases to core deposits | 82.1982% | 2,948 |
| Total domestic deposits to total assets | 78.3513% | 5,571 |
| Equity capital to assets | 11.8810% | 2,077 |
| Core capital (leverage) ratio | 10.7186% | 2,703 |
| Tier 1 risk-based capital ratio | 14.7759% | 3,763 |
| Total risk-based capital ratio | 16.0274% | 3,714 |
| Memoranda: | ||
| Average total assets | $126,193,330 | 4,112 |
| Average earning assets | $117,314,670 | 4,073 |
| Average equity | $14,289,000 | 3,984 |
| Average total loans | $79,031,000 | 3,939 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 1,871 |
| Cost of funding earning assets | 0.7205% | 1,120 |
| Net interest margin | 3.7596% | 2,640 |
| Noninterest income to average assets | 0.2250% | 5,553 |
| Noninterest expense to average assets | 2.0536% | 5,781 |
| Loan and lease loss provision to assets | 0.0697% | 2,740 |
| Net operating income to assets | 1.1127% | 1,766 |
| Return on assets (ROA) | 1.1061% | 1,849 |
| Pretax return on assets | 1.5814% | 1,211 |
| Return on Equity (ROE) | 10.0147% | 2,030 |
| Retained earnings to average equity (ytd only) | 5.8826% | 2,602 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7782% | 5,945 |
| Assets per employee ($millions) | 5.9796% | 1,319 |
| Cash dividends to net income (ytd only)* | 41.2607% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 3,049 |
| Loan loss allowance to noncurrent loans | 463.9847% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 4,993 |
| Noncurrent loans to loans | 0.3283% | 5,124 |
| Net loans and leases to total assets | 62.3403% | 3,181 |
| Net loans and leases to deposits | 79.3372% | 2,388 |
| Net loans and leases to core deposits | 81.4462% | 2,799 |
| Total domestic deposits to total assets | 78.5764% | 5,742 |
| Equity capital to assets | 11.3298% | 2,396 |
| Core capital (leverage) ratio | 10.5656% | 2,853 |
| Tier 1 risk-based capital ratio | 14.3775% | 4,079 |
| Total risk-based capital ratio | 15.6290% | 4,036 |
| Memoranda: | ||
| Average total assets | $126,214,500 | 4,136 |
| Average earning assets | $117,139,500 | 4,110 |
| Average equity | $13,939,500 | 4,054 |
| Average total loans | $78,566,000 | 3,983 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4375% | 2,441 |
| Cost of funding earning assets | 0.8031% | 1,197 |
| Net interest margin | 3.6345% | 3,312 |
| Noninterest income to average assets | 0.2596% | 5,492 |
| Noninterest expense to average assets | 2.0395% | 5,946 |
| Loan and lease loss provision to assets | 0.0589% | 3,960 |
| Net operating income to assets | 1.0719% | 2,029 |
| Return on assets (ROA) | 1.0759% | 2,101 |
| Pretax return on assets | 1.5258% | 1,359 |
| Return on Equity (ROE) | 9.5373% | 2,317 |
| Retained earnings to average equity (ytd only) | 5.9935% | 1,976 |
| Net charge-offs to loans | -0.0678% | 6,397 |
| Credit loss provision to net charge-offs | -151.0204% | 5,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8319% | 5,969 |
| Assets per employee ($millions) | 5.7662% | 1,430 |
| Cash dividends to net income (ytd only)* | 37.1577% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5314% | 3,049 |
| Loan loss allowance to noncurrent loans | 455.5556% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 4,839 |
| Noncurrent loans to loans | 0.3362% | 5,178 |
| Net loans and leases to total assets | 60.2647% | 3,666 |
| Net loans and leases to deposits | 76.7724% | 2,887 |
| Net loans and leases to core deposits | 78.7414% | 3,272 |
| Total domestic deposits to total assets | 78.4978% | 5,740 |
| Equity capital to assets | 10.7617% | 2,865 |
| Core capital (leverage) ratio | 10.3475% | 3,096 |
| Tier 1 risk-based capital ratio | 14.3401% | 4,057 |
| Total risk-based capital ratio | 15.5915% | 4,001 |
| Memoranda: | ||
| Average total assets | $125,571,000 | 4,151 |
| Average earning assets | $116,055,200 | 4,130 |
| Average equity | $14,165,400 | 4,033 |
| Average total loans | $72,311,600 | 4,182 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 2,406 |
| Cost of funding earning assets | 0.8166% | 1,226 |
| Net interest margin | 3.6359% | 3,300 |
| Noninterest income to average assets | 0.2044% | 5,957 |
| Noninterest expense to average assets | 2.0396% | 5,946 |
| Loan and lease loss provision to assets | 0.0468% | 4,081 |
| Net operating income to assets | 1.0464% | 2,196 |
| Return on assets (ROA) | 1.0517% | 2,260 |
| Pretax return on assets | 1.4861% | 1,652 |
| Return on Equity (ROE) | 9.2159% | 2,532 |
| Retained earnings to average equity (ytd only) | 4.5333% | 3,450 |
| Net charge-offs to loans | -0.0902% | 6,470 |
| Credit loss provision to net charge-offs | -91.6667% | 5,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6438% | 5,842 |
| Assets per employee ($millions) | 5.5867% | 1,550 |
| Cash dividends to net income (ytd only)* | 50.8100% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 2,975 |
| Loan loss allowance to noncurrent loans | 443.6782% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.4833% | 4,981 |
| Noncurrent loans to loans | 0.3620% | 5,304 |
| Net loans and leases to total assets | 57.7233% | 4,056 |
| Net loans and leases to deposits | 72.2170% | 3,482 |
| Net loans and leases to core deposits | 74.3528% | 3,799 |
| Total domestic deposits to total assets | 79.9304% | 5,525 |
| Equity capital to assets | 10.9587% | 2,797 |
| Core capital (leverage) ratio | 10.1491% | 3,465 |
| Tier 1 risk-based capital ratio | 14.7866% | 3,885 |
| Total risk-based capital ratio | 16.0383% | 3,843 |
| Memoranda: | ||
| Average total assets | $125,249,500 | 4,199 |
| Average earning assets | $115,768,250 | 4,183 |
| Average equity | $14,293,750 | 4,060 |
| Average total loans | $70,979,750 | 4,263 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 2,351 |
| Cost of funding earning assets | 0.8185% | 1,312 |
| Net interest margin | 3.6403% | 3,206 |
| Noninterest income to average assets | 0.2730% | 5,498 |
| Noninterest expense to average assets | 2.0614% | 5,940 |
| Loan and lease loss provision to assets | 0.0952% | 3,202 |
| Net operating income to assets | 1.0458% | 2,133 |
| Return on assets (ROA) | 1.0458% | 2,254 |
| Pretax return on assets | 1.4758% | 1,691 |
| Return on Equity (ROE) | 9.0468% | 2,588 |
| Retained earnings to average equity (ytd only) | 2.4436% | 4,744 |
| Net charge-offs to loans | -0.0057% | 5,654 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1817% | 5,944 |
| Assets per employee ($millions) | 5.7523% | 1,379 |
| Cash dividends to net income (ytd only)* | 72.9894% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 3,189 |
| Loan loss allowance to noncurrent loans | 432.1839% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 4,896 |
| Noncurrent loans to loans | 0.3679% | 5,356 |
| Net loans and leases to total assets | 55.1699% | 4,427 |
| Net loans and leases to deposits | 69.0194% | 3,857 |
| Net loans and leases to core deposits | 70.9987% | 4,168 |
| Total domestic deposits to total assets | 79.9338% | 5,615 |
| Equity capital to assets | 11.1449% | 2,616 |
| Core capital (leverage) ratio | 9.7947% | 3,800 |
| Tier 1 risk-based capital ratio | 14.5437% | 4,072 |
| Total risk-based capital ratio | 15.7955% | 4,047 |
| Memoranda: | ||
| Average total assets | $126,030,330 | 4,220 |
| Average earning assets | $116,309,330 | 4,193 |
| Average equity | $14,568,670 | 4,031 |
| Average total loans | $70,605,000 | 4,290 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 2,026 |
| Cost of funding earning assets | 0.8255% | 1,393 |
| Net interest margin | 3.7131% | 2,801 |
| Noninterest income to average assets | 0.3944% | 4,510 |
| Noninterest expense to average assets | 2.1500% | 5,803 |
| Loan and lease loss provision to assets | 0.0954% | 3,076 |
| Net operating income to assets | 1.1036% | 1,843 |
| Return on assets (ROA) | 1.1036% | 1,949 |
| Pretax return on assets | 1.5679% | 1,384 |
| Return on Equity (ROE) | 9.3777% | 2,326 |
| Retained earnings to average equity (ytd only) | -3.1619% | 6,203 |
| Net charge-offs to loans | -0.0057% | 5,297 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7965% | 6,078 |
| Assets per employee ($millions) | 5.6791% | 1,507 |
| Cash dividends to net income (ytd only)* | 133.7176% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 3,556 |
| Loan loss allowance to noncurrent loans | 420.3065% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.6443% | 4,761 |
| Noncurrent loans to loans | 0.3721% | 5,472 |
| Net loans and leases to total assets | 55.2613% | 4,207 |
| Net loans and leases to deposits | 69.4678% | 3,581 |
| Net loans and leases to core deposits | 71.1156% | 3,942 |
| Total domestic deposits to total assets | 79.5495% | 5,858 |
| Equity capital to assets | 11.7319% | 2,231 |
| Core capital (leverage) ratio | 9.4820% | 4,120 |
| Tier 1 risk-based capital ratio | 14.2395% | 4,331 |
| Total risk-based capital ratio | 15.4898% | 4,301 |
| Memoranda: | ||
| Average total assets | $125,770,000 | 4,266 |
| Average earning assets | $115,806,000 | 4,245 |
| Average equity | $14,801,000 | 4,034 |
| Average total loans | $70,434,500 | 4,331 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8017% | 2,184 |
| Cost of funding earning assets | 0.9699% | 1,527 |
| Net interest margin | 3.8318% | 3,094 |
| Noninterest income to average assets | 0.2413% | 5,724 |
| Noninterest expense to average assets | 1.9570% | 6,404 |
| Loan and lease loss provision to assets | 0.1223% | 4,090 |
| Net operating income to assets | 1.1837% | 1,653 |
| Return on assets (ROA) | 1.1843% | 1,813 |
| Pretax return on assets | 1.6856% | 1,170 |
| Return on Equity (ROE) | 10.1712% | 2,099 |
| Retained earnings to average equity (ytd only) | 7.0072% | 1,566 |
| Net charge-offs to loans | -0.0029% | 6,349 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3642% | 6,499 |
| Assets per employee ($millions) | 5.7545% | 1,468 |
| Cash dividends to net income (ytd only)* | 31.1081% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 3,721 |
| Loan loss allowance to noncurrent loans | 408.4291% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 4,750 |
| Noncurrent loans to loans | 0.3690% | 5,566 |
| Net loans and leases to total assets | 55.0257% | 4,448 |
| Net loans and leases to deposits | 68.9491% | 3,843 |
| Net loans and leases to core deposits | 70.5559% | 4,226 |
| Total domestic deposits to total assets | 79.8063% | 5,717 |
| Equity capital to assets | 11.8042% | 2,182 |
| Core capital (leverage) ratio | 9.7475% | 3,731 |
| Tier 1 risk-based capital ratio | 14.3159% | 4,153 |
| Total risk-based capital ratio | 15.5668% | 4,112 |
| Memoranda: | ||
| Average total assets | $122,687,000 | 4,296 |
| Average earning assets | $112,793,200 | 4,278 |
| Average equity | $14,285,400 | 4,106 |
| Average total loans | $69,236,800 | 4,380 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 2,174 |
| Cost of funding earning assets | 0.9978% | 1,573 |
| Net interest margin | 3.8573% | 3,090 |
| Noninterest income to average assets | 0.2936% | 5,422 |
| Noninterest expense to average assets | 1.9554% | 6,436 |
| Loan and lease loss provision to assets | 0.1238% | 4,004 |
| Net operating income to assets | 1.2382% | 1,609 |
| Return on assets (ROA) | 1.2390% | 1,778 |
| Pretax return on assets | 1.7769% | 1,107 |
| Return on Equity (ROE) | 10.6790% | 2,069 |
| Retained earnings to average equity (ytd only) | 6.6661% | 2,300 |
| Net charge-offs to loans | -0.0019% | 6,203 |
| Credit loss provision to net charge-offs | -11,300.0000% | 6,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0995% | 6,585 |
| Assets per employee ($millions) | 5.5793% | 1,557 |
| Cash dividends to net income (ytd only)* | 37.5773% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 4,356 |
| Loan loss allowance to noncurrent loans | 393.8697% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 4,637 |
| Noncurrent loans to loans | 0.3563% | 5,767 |
| Net loans and leases to total assets | 58.8358% | 3,988 |
| Net loans and leases to deposits | 77.5370% | 2,723 |
| Net loans and leases to core deposits | 79.0088% | 3,326 |
| Total domestic deposits to total assets | 75.8809% | 6,398 |
| Equity capital to assets | 12.0396% | 2,223 |
| Core capital (leverage) ratio | 9.4906% | 4,285 |
| Tier 1 risk-based capital ratio | 13.6014% | 4,815 |
| Total risk-based capital ratio | 14.8134% | 4,804 |
| Memoranda: | ||
| Average total assets | $121,709,000 | 4,362 |
| Average earning assets | $112,373,750 | 4,334 |
| Average equity | $14,120,750 | 4,174 |
| Average total loans | $68,864,000 | 4,435 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 2,287 |
| Cost of funding earning assets | 1.0245% | 1,611 |
| Net interest margin | 3.8299% | 3,220 |
| Noninterest income to average assets | 0.2769% | 5,596 |
| Noninterest expense to average assets | 1.9709% | 6,490 |
| Loan and lease loss provision to assets | 0.1236% | 3,982 |
| Net operating income to assets | 1.1985% | 1,726 |
| Return on assets (ROA) | 1.1997% | 1,917 |
| Pretax return on assets | 1.7139% | 1,221 |
| Return on Equity (ROE) | 10.4736% | 2,185 |
| Retained earnings to average equity (ytd only) | 4.7045% | 3,480 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1255% | 6,573 |
| Assets per employee ($millions) | 5.3508% | 1,768 |
| Cash dividends to net income (ytd only)* | 55.0824% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 4,401 |
| Loan loss allowance to noncurrent loans | 378.9272% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.9458% | 4,478 |
| Noncurrent loans to loans | 0.3735% | 5,793 |
| Net loans and leases to total assets | 55.9747% | 4,473 |
| Net loans and leases to deposits | 70.0783% | 3,882 |
| Net loans and leases to core deposits | 71.6133% | 4,335 |
| Total domestic deposits to total assets | 79.8745% | 5,772 |
| Equity capital to assets | 11.6700% | 2,440 |
| Core capital (leverage) ratio | 9.1689% | 4,662 |
| Tier 1 risk-based capital ratio | 13.5073% | 4,817 |
| Total risk-based capital ratio | 14.7062% | 4,817 |
| Memoranda: | ||
| Average total assets | $121,363,670 | 4,394 |
| Average earning assets | $111,856,330 | 4,368 |
| Average equity | $13,901,670 | 4,212 |
| Average total loans | $67,403,330 | 4,506 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9033% | 2,225 |
| Cost of funding earning assets | 1.0652% | 1,596 |
| Net interest margin | 3.8382% | 3,199 |
| Noninterest income to average assets | 0.3386% | 5,150 |
| Noninterest expense to average assets | 2.0446% | 6,386 |
| Loan and lease loss provision to assets | 0.1228% | 3,806 |
| Net operating income to assets | 1.1909% | 1,765 |
| Return on assets (ROA) | 1.1816% | 1,976 |
| Pretax return on assets | 1.6861% | 1,343 |
| Return on Equity (ROE) | 10.4158% | 2,260 |
| Retained earnings to average equity (ytd only) | -1.0533% | 6,162 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2747% | 6,513 |
| Assets per employee ($millions) | 5.5325% | 1,667 |
| Cash dividends to net income (ytd only)* | 110.1124% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 4,534 |
| Loan loss allowance to noncurrent loans | 296.2617% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 1.0262% | 4,439 |
| Noncurrent loans to loans | 0.4781% | 5,716 |
| Net loans and leases to total assets | 54.3774% | 4,660 |
| Net loans and leases to deposits | 67.7857% | 4,103 |
| Net loans and leases to core deposits | 69.4771% | 4,503 |
| Total domestic deposits to total assets | 80.2195% | 5,801 |
| Equity capital to assets | 11.3017% | 2,625 |
| Core capital (leverage) ratio | 9.0934% | 4,693 |
| Tier 1 risk-based capital ratio | 13.4424% | 4,867 |
| Total risk-based capital ratio | 14.6298% | 4,905 |
| Memoranda: | ||
| Average total assets | $120,511,500 | 4,440 |
| Average earning assets | $110,782,000 | 4,418 |
| Average equity | $13,671,500 | 4,265 |
| Average total loans | $66,167,000 | 4,582 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3457% | 1,576 |
| Cost of funding earning assets | 1.2710% | 1,613 |
| Net interest margin | 4.0747% | 2,547 |
| Noninterest income to average assets | 0.1591% | 6,350 |
| Noninterest expense to average assets | 2.1076% | 6,481 |
| Loan and lease loss provision to assets | 0.2098% | 4,090 |
| Net operating income to assets | 1.1258% | 1,736 |
| Return on assets (ROA) | 1.1346% | 1,830 |
| Pretax return on assets | 1.5674% | 1,285 |
| Return on Equity (ROE) | 10.4677% | 1,882 |
| Retained earnings to average equity (ytd only) | 9.6048% | 647 |
| Net charge-offs to loans | -0.0226% | 6,972 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7698% | 6,533 |
| Assets per employee ($millions) | 5.4230% | 1,715 |
| Cash dividends to net income (ytd only)* | 8.2435% | 3,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 4,449 |
| Loan loss allowance to noncurrent loans | 284.7352% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 1.0812% | 4,456 |
| Noncurrent loans to loans | 0.4924% | 5,723 |
| Net loans and leases to total assets | 53.8803% | 5,054 |
| Net loans and leases to deposits | 67.3036% | 4,539 |
| Net loans and leases to core deposits | 69.4493% | 4,856 |
| Total domestic deposits to total assets | 80.0557% | 5,726 |
| Equity capital to assets | 11.3883% | 2,605 |
| Core capital (leverage) ratio | 9.3170% | 4,302 |
| Tier 1 risk-based capital ratio | 13.9053% | 4,395 |
| Total risk-based capital ratio | 15.0834% | 4,411 |
| Memoranda: | ||
| Average total assets | $114,396,600 | 4,538 |
| Average earning assets | $104,251,800 | 4,538 |
| Average equity | $12,400,000 | 4,458 |
| Average total loans | $66,384,600 | 4,617 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4566% | 1,375 |
| Cost of funding earning assets | 1.3082% | 1,655 |
| Net interest margin | 4.1483% | 2,283 |
| Noninterest income to average assets | 0.1178% | 6,670 |
| Noninterest expense to average assets | 2.1419% | 6,425 |
| Loan and lease loss provision to assets | 0.2121% | 3,900 |
| Net operating income to assets | 1.1097% | 1,934 |
| Return on assets (ROA) | 1.1216% | 2,033 |
| Pretax return on assets | 1.5610% | 1,484 |
| Return on Equity (ROE) | 10.4873% | 2,039 |
| Retained earnings to average equity (ytd only) | 9.7713% | 916 |
| Net charge-offs to loans | -0.0160% | 6,860 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2762% | 6,459 |
| Assets per employee ($millions) | 4.8804% | 2,354 |
| Cash dividends to net income (ytd only)* | 6.8274% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 5,237 |
| Loan loss allowance to noncurrent loans | 264.6875% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 1.3319% | 4,144 |
| Noncurrent loans to loans | 0.4730% | 5,899 |
| Net loans and leases to total assets | 59.5168% | 4,226 |
| Net loans and leases to deposits | 75.3052% | 3,453 |
| Net loans and leases to core deposits | 77.8854% | 3,922 |
| Total domestic deposits to total assets | 79.0341% | 5,976 |
| Equity capital to assets | 11.8433% | 2,381 |
| Core capital (leverage) ratio | 9.4402% | 4,241 |
| Tier 1 risk-based capital ratio | 13.4599% | 4,767 |
| Total risk-based capital ratio | 14.5489% | 4,851 |
| Memoranda: | ||
| Average total assets | $113,169,000 | 4,601 |
| Average earning assets | $103,139,000 | 4,594 |
| Average equity | $12,103,250 | 4,538 |
| Average total loans | $66,681,500 | 4,644 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4630% | 1,380 |
| Cost of funding earning assets | 1.3289% | 1,766 |
| Net interest margin | 4.1341% | 2,290 |
| Noninterest income to average assets | 0.0969% | 6,841 |
| Noninterest expense to average assets | 2.2066% | 6,368 |
| Loan and lease loss provision to assets | 0.2115% | 3,799 |
| Net operating income to assets | 1.0416% | 2,060 |
| Return on assets (ROA) | 1.0416% | 2,160 |
| Pretax return on assets | 1.4347% | 1,709 |
| Return on Equity (ROE) | 10.0971% | 2,091 |
| Retained earnings to average equity (ytd only) | 9.4650% | 970 |
| Net charge-offs to loans | -0.0241% | 6,867 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6331% | 6,342 |
| Assets per employee ($millions) | 4.9744% | 2,166 |
| Cash dividends to net income (ytd only)* | 6.2606% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 5,666 |
| Loan loss allowance to noncurrent loans | 301.5326% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 1.4631% | 4,023 |
| Noncurrent loans to loans | 0.3885% | 6,125 |
| Net loans and leases to total assets | 58.0303% | 4,619 |
| Net loans and leases to deposits | 72.3724% | 4,058 |
| Net loans and leases to core deposits | 74.7551% | 4,476 |
| Total domestic deposits to total assets | 80.1828% | 5,776 |
| Equity capital to assets | 10.8101% | 3,168 |
| Core capital (leverage) ratio | 9.0177% | 4,688 |
| Tier 1 risk-based capital ratio | 12.9094% | 4,992 |
| Total risk-based capital ratio | 13.9130% | 5,180 |
| Memoranda: | ||
| Average total assets | $113,475,670 | 4,622 |
| Average earning assets | $103,093,330 | 4,624 |
| Average equity | $11,706,330 | 4,640 |
| Average total loans | $66,357,330 | 4,711 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5285% | 1,226 |
| Cost of funding earning assets | 1.3234% | 2,052 |
| Net interest margin | 4.2051% | 1,878 |
| Noninterest income to average assets | 0.0035% | 7,285 |
| Noninterest expense to average assets | 2.2405% | 6,326 |
| Loan and lease loss provision to assets | 0.2124% | 3,524 |
| Net operating income to assets | 0.9911% | 2,209 |
| Return on assets (ROA) | 0.9911% | 2,267 |
| Pretax return on assets | 1.3521% | 1,875 |
| Return on Equity (ROE) | 9.8457% | 2,155 |
| Retained earnings to average equity (ytd only) | 8.7557% | 1,469 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2326% | 6,240 |
| Assets per employee ($millions) | 4.9826% | 2,191 |
| Cash dividends to net income (ytd only)* | 11.0714% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 6,152 |
| Loan loss allowance to noncurrent loans | 275.4789% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 2.1143% | 3,170 |
| Noncurrent loans to loans | 0.3889% | 6,216 |
| Net loans and leases to total assets | 57.9307% | 4,657 |
| Net loans and leases to deposits | 72.3212% | 4,018 |
| Net loans and leases to core deposits | 75.7076% | 4,340 |
| Total domestic deposits to total assets | 80.1019% | 5,919 |
| Equity capital to assets | 10.1205% | 3,627 |
| Core capital (leverage) ratio | 8.8682% | 4,823 |
| Tier 1 risk-based capital ratio | 12.3242% | 5,423 |
| Total risk-based capital ratio | 13.2280% | 5,702 |
| Memoranda: | ||
| Average total assets | $113,008,000 | 4,667 |
| Average earning assets | $102,161,500 | 4,680 |
| Average equity | $11,375,500 | 4,700 |
| Average total loans | $65,946,000 | 4,773 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7534% | 1,395 |
| Cost of funding earning assets | 1.5681% | 2,252 |
| Net interest margin | 4.1853% | 2,244 |
| Noninterest income to average assets | -0.1712% | 7,453 |
| Noninterest expense to average assets | 2.2668% | 6,442 |
| Loan and lease loss provision to assets | 0.8166% | 2,006 |
| Net operating income to assets | 0.4416% | 4,352 |
| Return on assets (ROA) | 0.4416% | 4,513 |
| Pretax return on assets | 0.4669% | 4,738 |
| Return on Equity (ROE) | 4.2079% | 4,428 |
| Retained earnings to average equity (ytd only) | 3.4436% | 3,456 |
| Net charge-offs to loans | 1.2157% | 1,841 |
| Credit loss provision to net charge-offs | 108.5030% | 4,073 |
| Earnings coverage of net charge-offs (x) | 1.7054% | 4,444 |
| Efficiency ratio | 63.1125% | 5,495 |
| Assets per employee ($millions) | 4.8442% | 2,350 |
| Cash dividends to net income (ytd only)* | 18.1633% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 6,303 |
| Loan loss allowance to noncurrent loans | 252.4904% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 2.5194% | 2,752 |
| Noncurrent loans to loans | 0.4029% | 6,241 |
| Net loans and leases to total assets | 57.5550% | 5,100 |
| Net loans and leases to deposits | 71.9377% | 4,530 |
| Net loans and leases to core deposits | 75.8439% | 4,739 |
| Total domestic deposits to total assets | 80.0066% | 5,831 |
| Equity capital to assets | 10.0101% | 3,735 |
| Core capital (leverage) ratio | 8.6402% | 5,122 |
| Tier 1 risk-based capital ratio | 12.2938% | 5,217 |
| Total risk-based capital ratio | 13.1430% | 5,559 |
| Memoranda: | ||
| Average total assets | $110,951,200 | 4,686 |
| Average earning assets | $98,655,200 | 4,755 |
| Average equity | $11,644,800 | 4,706 |
| Average total loans | $68,682,800 | 4,730 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8203% | 1,339 |
| Cost of funding earning assets | 1.6060% | 2,357 |
| Net interest margin | 4.2143% | 2,174 |
| Noninterest income to average assets | -0.0144% | 7,468 |
| Noninterest expense to average assets | 2.2977% | 6,335 |
| Loan and lease loss provision to assets | 0.9455% | 1,585 |
| Net operating income to assets | 0.4499% | 4,537 |
| Return on assets (ROA) | 0.4499% | 4,727 |
| Pretax return on assets | 0.4800% | 4,990 |
| Return on Equity (ROE) | 4.2374% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.4783% | 4,007 |
| Net charge-offs to loans | 1.5830% | 1,252 |
| Credit loss provision to net charge-offs | 95.0423% | 4,562 |
| Earnings coverage of net charge-offs (x) | 1.4329% | 4,651 |
| Efficiency ratio | 61.0016% | 5,797 |
| Assets per employee ($millions) | 4.7353% | 2,547 |
| Cash dividends to net income (ytd only)* | 17.9144% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8187% | 6,962 |
| Loan loss allowance to noncurrent loans | 198.9091% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 3.6562% | 1,947 |
| Noncurrent loans to loans | 0.4116% | 6,375 |
| Net loans and leases to total assets | 60.8460% | 4,749 |
| Net loans and leases to deposits | 77.9752% | 3,829 |
| Net loans and leases to core deposits | 82.4188% | 4,183 |
| Total domestic deposits to total assets | 78.0325% | 6,250 |
| Equity capital to assets | 11.1917% | 2,781 |
| Core capital (leverage) ratio | 8.7238% | 5,146 |
| Tier 1 risk-based capital ratio | 12.1796% | 5,293 |
| Total risk-based capital ratio | 12.8846% | 5,782 |
| Memoranda: | ||
| Average total assets | $110,834,750 | 4,744 |
| Average earning assets | $98,297,000 | 4,831 |
| Average equity | $11,767,750 | 4,751 |
| Average total loans | $69,657,250 | 4,770 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8181% | 1,387 |
| Cost of funding earning assets | 1.6111% | 2,596 |
| Net interest margin | 4.2070% | 2,137 |
| Noninterest income to average assets | -0.0161% | 7,561 |
| Noninterest expense to average assets | 2.3467% | 6,233 |
| Loan and lease loss provision to assets | 1.0783% | 1,335 |
| Net operating income to assets | 0.3265% | 5,080 |
| Return on assets (ROA) | 0.3283% | 5,235 |
| Pretax return on assets | 0.2853% | 5,541 |
| Return on Equity (ROE) | 3.1478% | 5,154 |
| Retained earnings to average equity (ytd only) | 2.4081% | 4,626 |
| Net charge-offs to loans | 1.8667% | 998 |
| Credit loss provision to net charge-offs | 91.1988% | 4,385 |
| Earnings coverage of net charge-offs (x) | 1.1517% | 4,643 |
| Efficiency ratio | 62.5544% | 5,601 |
| Assets per employee ($millions) | 5.0675% | 2,096 |
| Cash dividends to net income (ytd only)* | 23.4973% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 7,115 |
| Loan loss allowance to noncurrent loans | 80.3030% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 3.8489% | 1,802 |
| Noncurrent loans to loans | 0.9496% | 5,406 |
| Net loans and leases to total assets | 61.8666% | 4,709 |
| Net loans and leases to deposits | 78.4254% | 3,896 |
| Net loans and leases to core deposits | 83.5154% | 4,211 |
| Total domestic deposits to total assets | 78.8859% | 6,069 |
| Equity capital to assets | 10.5646% | 3,329 |
| Core capital (leverage) ratio | 8.4266% | 5,536 |
| Tier 1 risk-based capital ratio | 11.6336% | 5,640 |
| Total risk-based capital ratio | 12.3001% | 6,180 |
| Memoranda: | ||
| Average total assets | $111,476,000 | 4,762 |
| Average earning assets | $98,692,330 | 4,854 |
| Average equity | $11,627,330 | 4,774 |
| Average total loans | $70,604,670 | 4,774 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8818% | 1,243 |
| Cost of funding earning assets | 1.6397% | 2,712 |
| Net interest margin | 4.2421% | 1,884 |
| Noninterest income to average assets | 0.4450% | 4,519 |
| Noninterest expense to average assets | 2.3540% | 6,235 |
| Loan and lease loss provision to assets | 1.3492% | 883 |
| Net operating income to assets | 0.4487% | 4,620 |
| Return on assets (ROA) | 0.4521% | 4,734 |
| Pretax return on assets | 0.4773% | 5,039 |
| Return on Equity (ROE) | 4.3629% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.6357% | 3,972 |
| Net charge-offs to loans | 3.0524% | 503 |
| Credit loss provision to net charge-offs | 69.2449% | 4,116 |
| Earnings coverage of net charge-offs (x) | 0.9355% | 4,210 |
| Efficiency ratio | 55.7560% | 6,799 |
| Assets per employee ($millions) | 4.7723% | 2,539 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5905% | 7,508 |
| Loan loss allowance to noncurrent loans | 42.4823% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 4.6272% | 1,447 |
| Noncurrent loans to loans | 1.3900% | 4,647 |
| Net loans and leases to total assets | 64.5704% | 4,200 |
| Net loans and leases to deposits | 82.6155% | 3,173 |
| Net loans and leases to core deposits | 87.7166% | 3,657 |
| Total domestic deposits to total assets | 78.1577% | 6,283 |
| Equity capital to assets | 10.5745% | 3,173 |
| Core capital (leverage) ratio | 8.4682% | 5,426 |
| Tier 1 risk-based capital ratio | 11.2987% | 5,856 |
| Total risk-based capital ratio | 11.8156% | 6,569 |
| Memoranda: | ||
| Average total assets | $111,471,500 | 4,835 |
| Average earning assets | $98,064,500 | 4,929 |
| Average equity | $11,552,000 | 4,834 |
| Average total loans | $71,156,000 | 4,813 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9561% | 2,031 |
| Cost of funding earning assets | 2.0417% | 2,765 |
| Net interest margin | 3.9144% | 3,211 |
| Noninterest income to average assets | 0.4925% | 4,474 |
| Noninterest expense to average assets | 2.4139% | 6,427 |
| Loan and lease loss provision to assets | 0.9473% | 2,380 |
| Net operating income to assets | 0.5542% | 3,510 |
| Return on assets (ROA) | 0.5542% | 3,597 |
| Pretax return on assets | 0.6554% | 3,723 |
| Return on Equity (ROE) | 5.4592% | 3,451 |
| Retained earnings to average equity (ytd only) | 4.5773% | 2,052 |
| Net charge-offs to loans | 2.0196% | 1,214 |
| Credit loss provision to net charge-offs | 70.5804% | 6,480 |
| Earnings coverage of net charge-offs (x) | 1.1941% | 4,928 |
| Efficiency ratio | 59.4516% | 6,563 |
| Assets per employee ($millions) | 4.7158% | 2,592 |
| Cash dividends to net income (ytd only)* | 16.1551% | 3,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8280% | 7,052 |
| Loan loss allowance to noncurrent loans | 37.2388% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 5.1255% | 1,185 |
| Noncurrent loans to loans | 2.2234% | 3,371 |
| Net loans and leases to total assets | 62.2271% | 4,943 |
| Net loans and leases to deposits | 77.8485% | 4,409 |
| Net loans and leases to core deposits | 88.9928% | 5,221 |
| Total domestic deposits to total assets | 79.9336% | 5,685 |
| Equity capital to assets | 10.1582% | 3,552 |
| Core capital (leverage) ratio | 8.0980% | 5,996 |
| Tier 1 risk-based capital ratio | 10.8999% | 6,009 |
| Total risk-based capital ratio | 11.6055% | 6,506 |
| Memoranda: | ||
| Average total assets | $111,684,800 | 4,781 |
| Average earning assets | $100,552,400 | 4,830 |
| Average equity | $11,338,600 | 4,924 |
| Average total loans | $74,224,200 | 4,719 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9511% | 2,227 |
| Cost of funding earning assets | 2.0783% | 2,991 |
| Net interest margin | 3.8728% | 3,334 |
| Noninterest income to average assets | 0.4911% | 4,563 |
| Noninterest expense to average assets | 2.2699% | 6,782 |
| Loan and lease loss provision to assets | 0.4851% | 3,476 |
| Net operating income to assets | 0.9199% | 2,344 |
| Return on assets (ROA) | 0.9199% | 2,420 |
| Pretax return on assets | 1.2493% | 2,109 |
| Return on Equity (ROE) | 9.0625% | 2,239 |
| Retained earnings to average equity (ytd only) | 8.1303% | 1,102 |
| Net charge-offs to loans | 1.0147% | 1,943 |
| Credit loss provision to net charge-offs | 70.9282% | 5,965 |
| Earnings coverage of net charge-offs (x) | 2.5359% | 3,955 |
| Efficiency ratio | 56.0275% | 6,996 |
| Assets per employee ($millions) | 4.6589% | 2,617 |
| Cash dividends to net income (ytd only)* | 10.2864% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 5,098 |
| Loan loss allowance to noncurrent loans | 23.9589% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 5.8043% | 951 |
| Noncurrent loans to loans | 5.0146% | 1,312 |
| Net loans and leases to total assets | 63.4688% | 4,982 |
| Net loans and leases to deposits | 80.1824% | 4,351 |
| Net loans and leases to core deposits | 92.7043% | 5,162 |
| Total domestic deposits to total assets | 79.1556% | 5,748 |
| Equity capital to assets | 10.6203% | 3,381 |
| Core capital (leverage) ratio | 8.1506% | 6,103 |
| Tier 1 risk-based capital ratio | 10.8669% | 6,092 |
| Total risk-based capital ratio | 11.9179% | 6,257 |
| Memoranda: | ||
| Average total assets | $111,311,250 | 4,819 |
| Average earning assets | $100,975,750 | 4,842 |
| Average equity | $11,299,000 | 4,983 |
| Average total loans | $75,026,250 | 4,733 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8843% | 2,658 |
| Cost of funding earning assets | 2.1516% | 3,036 |
| Net interest margin | 3.7327% | 3,819 |
| Noninterest income to average assets | 0.5021% | 4,426 |
| Noninterest expense to average assets | 2.2601% | 6,886 |
| Loan and lease loss provision to assets | 0.2159% | 4,881 |
| Net operating income to assets | 1.0167% | 2,049 |
| Return on assets (ROA) | 1.0167% | 2,139 |
| Pretax return on assets | 1.4162% | 1,679 |
| Return on Equity (ROE) | 10.1738% | 1,964 |
| Retained earnings to average equity (ytd only) | 9.2914% | 860 |
| Net charge-offs to loans | 0.4784% | 2,920 |
| Credit loss provision to net charge-offs | 65.9341% | 5,490 |
| Earnings coverage of net charge-offs (x) | 4.9835% | 2,940 |
| Efficiency ratio | 57.4202% | 6,947 |
| Assets per employee ($millions) | 4.5238% | 2,729 |
| Cash dividends to net income (ytd only)* | 8.6726% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 4,168 |
| Loan loss allowance to noncurrent loans | 21.8235% | 7,028 |
| Noncurrent assets plus other real estate owned to assets | 6.3257% | 741 |
| Noncurrent loans to loans | 6.0434% | 902 |
| Net loans and leases to total assets | 63.9760% | 4,988 |
| Net loans and leases to deposits | 80.3967% | 4,486 |
| Net loans and leases to core deposits | 91.9480% | 5,356 |
| Total domestic deposits to total assets | 79.5754% | 5,608 |
| Equity capital to assets | 9.9643% | 3,989 |
| Core capital (leverage) ratio | 7.8173% | 6,590 |
| Tier 1 risk-based capital ratio | 10.4281% | 6,446 |
| Total risk-based capital ratio | 11.5816% | 6,497 |
| Memoranda: | ||
| Average total assets | $111,143,670 | 4,853 |
| Average earning assets | $100,946,000 | 4,872 |
| Average equity | $11,107,000 | 5,056 |
| Average total loans | $76,091,670 | 4,731 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9434% | 2,592 |
| Cost of funding earning assets | 2.1903% | 3,209 |
| Net interest margin | 3.7531% | 3,644 |
| Noninterest income to average assets | 0.5483% | 3,936 |
| Noninterest expense to average assets | 2.2693% | 6,633 |
| Loan and lease loss provision to assets | 0.1670% | 4,791 |
| Net operating income to assets | 1.0638% | 2,093 |
| Return on assets (ROA) | 1.0638% | 2,223 |
| Pretax return on assets | 1.5213% | 1,608 |
| Return on Equity (ROE) | 10.6294% | 2,091 |
| Retained earnings to average equity (ytd only) | 9.6136% | 1,310 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6972% | 6,868 |
| Assets per employee ($millions) | 4.5179% | 2,690 |
| Cash dividends to net income (ytd only)* | 9.5563% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 3,649 |
| Loan loss allowance to noncurrent loans | 20.5742% | 7,137 |
| Noncurrent assets plus other real estate owned to assets | 5.3308% | 814 |
| Noncurrent loans to loans | 6.6744% | 634 |
| Net loans and leases to total assets | 68.3580% | 4,054 |
| Net loans and leases to deposits | 85.8107% | 3,665 |
| Net loans and leases to core deposits | 103.6390% | 4,178 |
| Total domestic deposits to total assets | 79.6614% | 5,482 |
| Equity capital to assets | 9.9001% | 4,117 |
| Core capital (leverage) ratio | 7.9704% | 6,511 |
| Tier 1 risk-based capital ratio | 9.9058% | 7,031 |
| Total risk-based capital ratio | 11.1563% | 6,923 |
| Memoranda: | ||
| Average total assets | $110,168,500 | 4,902 |
| Average earning assets | $100,078,000 | 4,914 |
| Average equity | $11,026,000 | 5,098 |
| Average total loans | $77,477,500 | 4,701 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6619% | 2,192 |
| Cost of funding earning assets | 2.6527% | 3,406 |
| Net interest margin | 4.0092% | 3,069 |
| Noninterest income to average assets | 0.5059% | 4,576 |
| Noninterest expense to average assets | 2.3276% | 6,620 |
| Loan and lease loss provision to assets | 0.4069% | 3,246 |
| Net operating income to assets | 1.0086% | 2,518 |
| Return on assets (ROA) | 1.0079% | 2,407 |
| Pretax return on assets | 1.4334% | 1,862 |
| Return on Equity (ROE) | 9.6184% | 2,390 |
| Retained earnings to average equity (ytd only) | 4.7718% | 2,167 |
| Net charge-offs to loans | 0.0013% | 7,017 |
| Credit loss provision to net charge-offs | 41,500.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 1,878.0000% | 12 |
| Efficiency ratio | 55.1505% | 7,133 |
| Assets per employee ($millions) | 4.2956% | 2,967 |
| Cash dividends to net income (ytd only)* | 50.3891% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 3,522 |
| Loan loss allowance to noncurrent loans | 24.4650% | 7,034 |
| Noncurrent assets plus other real estate owned to assets | 4.6578% | 787 |
| Noncurrent loans to loans | 5.4858% | 746 |
| Net loans and leases to total assets | 70.4374% | 3,917 |
| Net loans and leases to deposits | 90.1090% | 3,437 |
| Net loans and leases to core deposits | 108.8875% | 3,872 |
| Total domestic deposits to total assets | 78.1691% | 5,657 |
| Equity capital to assets | 10.1221% | 3,896 |
| Core capital (leverage) ratio | 8.4390% | 5,680 |
| Tier 1 risk-based capital ratio | 10.4112% | 6,303 |
| Total risk-based capital ratio | 11.6614% | 6,179 |
| Memoranda: | ||
| Average total assets | $101,993,800 | 4,995 |
| Average earning assets | $93,186,800 | 4,995 |
| Average equity | $10,687,800 | 5,218 |
| Average total loans | $75,105,600 | 4,687 |