Home > Peoples State Bank of Munising > Performance and Condition Ratios
Peoples State Bank of Munising, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 3,840 |
| Cost of funding earning assets | 0.9445% | 3,425 |
| Net interest margin | 3.1361% | 3,012 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.4528% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8062% | 2,853 |
| Return on assets (ROA) | 0.7991% | 2,857 |
| Pretax return on assets | 0.9076% | 2,944 |
| Return on Equity (ROE) | 9.9200% | 2,519 |
| Retained earnings to average equity (ytd only) | 5.8878% | 2,290 |
| Net charge-offs to loans | -0.0160% | 4,105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.5193% | 1,813 |
| Assets per employee ($millions) | 5.4970% | 3,253 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0421% | 350 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 2,743 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.7500% | 3,217 |
| Net loans and leases to deposits | 69.6920% | 2,908 |
| Net loans and leases to core deposits | 72.7978% | 3,138 |
| Total domestic deposits to total assets | 80.0000% | 3,464 |
| Equity capital to assets | 8.8027% | 2,825 |
| Core capital (leverage) ratio | 10.4897% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8486% | 1,105 |
| Memoranda: | ||
| Average total assets | $200,095,800 | 2,991 |
| Average earning assets | $180,734,800 | 2,999 |
| Average equity | $16,118,200 | 3,171 |
| Average total loans | $112,791,000 | 3,023 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 3,825 |
| Cost of funding earning assets | 0.8587% | 3,377 |
| Net interest margin | 3.1538% | 3,017 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.4361% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7517% | 3,164 |
| Return on assets (ROA) | 0.7429% | 3,186 |
| Pretax return on assets | 0.8938% | 3,118 |
| Return on Equity (ROE) | 9.4400% | 2,815 |
| Retained earnings to average equity (ytd only) | 9.4387% | 1,565 |
| Net charge-offs to loans | -0.0130% | 4,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.6187% | 1,720 |
| Assets per employee ($millions) | 5.6321% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9774% | 404 |
| Loan loss allowance to noncurrent loans | 1,790.6250% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 2,390 |
| Noncurrent loans to loans | 0.1104% | 3,024 |
| Net loans and leases to total assets | 56.0400% | 3,201 |
| Net loans and leases to deposits | 64.5813% | 3,222 |
| Net loans and leases to core deposits | 68.8736% | 3,274 |
| Total domestic deposits to total assets | 86.7700% | 1,961 |
| Equity capital to assets | 7.8241% | 3,167 |
| Core capital (leverage) ratio | 10.3835% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $200,646,500 | 2,990 |
| Average earning assets | $180,728,750 | 3,011 |
| Average equity | $15,792,750 | 3,190 |
| Average total loans | $112,831,750 | 3,029 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 4,002 |
| Cost of funding earning assets | 0.8224% | 3,150 |
| Net interest margin | 2.9890% | 3,459 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.4307% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6426% | 3,480 |
| Return on assets (ROA) | 0.6292% | 3,518 |
| Pretax return on assets | 0.7502% | 3,500 |
| Return on Equity (ROE) | 7.9800% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.9777% | 1,971 |
| Net charge-offs to loans | -0.0161% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.6233% | 1,387 |
| Assets per employee ($millions) | 5.3899% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0541% | 379 |
| Loan loss allowance to noncurrent loans | 14,312.5000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 2,664 |
| Noncurrent loans to loans | 0.0144% | 3,673 |
| Net loans and leases to total assets | 54.7500% | 3,211 |
| Net loans and leases to deposits | 64.6698% | 3,148 |
| Net loans and leases to core deposits | 67.7456% | 3,245 |
| Total domestic deposits to total assets | 84.6700% | 2,634 |
| Equity capital to assets | 7.9533% | 3,245 |
| Core capital (leverage) ratio | 10.4724% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $199,943,000 | 3,004 |
| Average earning assets | $180,195,333 | 3,027 |
| Average equity | $15,769,000 | 3,205 |
| Average total loans | $111,806,333 | 3,038 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7701% | 3,907 |
| Cost of funding earning assets | 0.7823% | 2,794 |
| Net interest margin | 2.9878% | 3,633 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.4156% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6562% | 3,567 |
| Return on assets (ROA) | 0.6294% | 3,592 |
| Pretax return on assets | 0.7532% | 3,556 |
| Return on Equity (ROE) | 8.0100% | 3,284 |
| Retained earnings to average equity (ytd only) | 8.0137% | 2,211 |
| Net charge-offs to loans | -0.0286% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.0337% | 1,429 |
| Assets per employee ($millions) | 5.4141% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0593% | 398 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 2,693 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.3500% | 3,173 |
| Net loans and leases to deposits | 63.9042% | 3,093 |
| Net loans and leases to core deposits | 66.8082% | 3,168 |
| Total domestic deposits to total assets | 85.0400% | 2,850 |
| Equity capital to assets | 8.1878% | 3,115 |
| Core capital (leverage) ratio | 10.1761% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $200,201,500 | 3,040 |
| Average earning assets | $181,001,500 | 3,059 |
| Average equity | $15,723,000 | 3,239 |
| Average total loans | $111,967,000 | 3,077 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 2,821 |
| Cost of funding earning assets | 0.3871% | 2,200 |
| Net interest margin | 3.2073% | 2,852 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.3703% | 2,514 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9493% | 2,773 |
| Return on assets (ROA) | 0.9418% | 2,747 |
| Pretax return on assets | 1.0890% | 2,807 |
| Return on Equity (ROE) | 11.0600% | 2,452 |
| Retained earnings to average equity (ytd only) | 6.7265% | 2,354 |
| Net charge-offs to loans | -0.0020% | 3,439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.3500% | 1,918 |
| Assets per employee ($millions) | 5.4076% | 3,307 |
| Cash dividends to net income (ytd only)* | 39.1892% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0225% | 416 |
| Loan loss allowance to noncurrent loans | 633.6111% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 2,289 |
| Noncurrent loans to loans | 0.3192% | 2,005 |
| Net loans and leases to total assets | 55.2300% | 3,100 |
| Net loans and leases to deposits | 65.2175% | 2,940 |
| Net loans and leases to core deposits | 68.1939% | 2,999 |
| Total domestic deposits to total assets | 84.6800% | 3,062 |
| Equity capital to assets | 7.5190% | 3,374 |
| Core capital (leverage) ratio | 9.7970% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $196,427,600 | 3,063 |
| Average earning assets | $175,943,200 | 3,099 |
| Average equity | $16,724,800 | 3,223 |
| Average total loans | $101,260,200 | 3,137 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4574% | 2,754 |
| Cost of funding earning assets | 0.3096% | 2,063 |
| Net interest margin | 3.1478% | 2,782 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.3432% | 2,499 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8676% | 3,012 |
| Return on assets (ROA) | 0.8681% | 2,981 |
| Pretax return on assets | 1.0700% | 2,812 |
| Return on Equity (ROE) | 9.9000% | 2,761 |
| Retained earnings to average equity (ytd only) | 9.8996% | 1,375 |
| Net charge-offs to loans | -0.0081% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.6651% | 1,933 |
| Assets per employee ($millions) | 5.5171% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0389% | 472 |
| Loan loss allowance to noncurrent loans | 914.0000% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 2,319 |
| Noncurrent loans to loans | 0.2231% | 2,496 |
| Net loans and leases to total assets | 53.7800% | 3,127 |
| Net loans and leases to deposits | 60.2306% | 3,180 |
| Net loans and leases to core deposits | 63.0039% | 3,192 |
| Total domestic deposits to total assets | 89.2900% | 1,965 |
| Equity capital to assets | 7.4432% | 3,253 |
| Core capital (leverage) ratio | 9.9809% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $195,514,250 | 3,095 |
| Average earning assets | $174,424,750 | 3,136 |
| Average equity | $17,145,000 | 3,231 |
| Average total loans | $98,380,500 | 3,181 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3649% | 2,528 |
| Cost of funding earning assets | 0.3023% | 1,693 |
| Net interest margin | 3.0626% | 2,670 |
| Noninterest income to average assets | 0.5814% | 1,819 |
| Noninterest expense to average assets | 2.2955% | 2,562 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8214% | 2,883 |
| Return on assets (ROA) | 0.8223% | 2,851 |
| Pretax return on assets | 1.0008% | 2,729 |
| Return on Equity (ROE) | 8.9012% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.9012% | 1,316 |
| Net charge-offs to loans | -0.0256% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6597% | 2,007 |
| Assets per employee ($millions) | 5.2063% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2811% | 338 |
| Loan loss allowance to noncurrent loans | 776.6102% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 1,645 |
| Noncurrent loans to loans | 0.2937% | 2,294 |
| Net loans and leases to total assets | 50.9477% | 3,267 |
| Net loans and leases to deposits | 56.0735% | 3,371 |
| Net loans and leases to core deposits | 58.5534% | 3,386 |
| Total domestic deposits to total assets | 90.8588% | 1,301 |
| Equity capital to assets | 8.2540% | 2,939 |
| Core capital (leverage) ratio | 10.2830% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,641,667 | 3,141 |
| Average earning assets | $170,704,000 | 3,209 |
| Average equity | $17,795,333 | 3,254 |
| Average total loans | $93,818,000 | 3,278 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3519% | 2,233 |
| Cost of funding earning assets | 0.3043% | 1,617 |
| Net interest margin | 3.0476% | 2,341 |
| Noninterest income to average assets | 0.5668% | 1,834 |
| Noninterest expense to average assets | 2.2757% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7807% | 2,721 |
| Return on assets (ROA) | 0.7807% | 2,716 |
| Pretax return on assets | 0.9530% | 2,596 |
| Return on Equity (ROE) | 8.0243% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.0243% | 1,577 |
| Net charge-offs to loans | -0.0619% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4823% | 2,161 |
| Assets per employee ($millions) | 5.3759% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5405% | 272 |
| Loan loss allowance to noncurrent loans | 730.2548% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 1,719 |
| Noncurrent loans to loans | 0.3479% | 2,241 |
| Net loans and leases to total assets | 45.4522% | 3,626 |
| Net loans and leases to deposits | 50.4077% | 3,702 |
| Net loans and leases to core deposits | 52.6412% | 3,688 |
| Total domestic deposits to total assets | 90.1691% | 1,465 |
| Equity capital to assets | 8.9721% | 2,731 |
| Core capital (leverage) ratio | 10.1661% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,646,000 | 3,151 |
| Average earning assets | $168,264,500 | 3,246 |
| Average equity | $18,743,000 | 3,255 |
| Average total loans | $90,510,500 | 3,324 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6564% | 2,232 |
| Cost of funding earning assets | 0.3442% | 1,994 |
| Net interest margin | 3.3121% | 2,280 |
| Noninterest income to average assets | 0.7306% | 1,663 |
| Noninterest expense to average assets | 2.2793% | 2,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0689% | 2,420 |
| Return on assets (ROA) | 1.0775% | 2,451 |
| Pretax return on assets | 1.3583% | 2,177 |
| Return on Equity (ROE) | 9.5157% | 2,716 |
| Retained earnings to average equity (ytd only) | 4.6829% | 2,931 |
| Net charge-offs to loans | -0.0350% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8490% | 2,739 |
| Assets per employee ($millions) | 5.8109% | 2,941 |
| Cash dividends to net income (ytd only)* | 50.7872% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5109% | 273 |
| Loan loss allowance to noncurrent loans | 777.8157% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 1,871 |
| Noncurrent loans to loans | 0.3228% | 2,435 |
| Net loans and leases to total assets | 46.1433% | 3,680 |
| Net loans and leases to deposits | 52.0225% | 3,740 |
| Net loans and leases to core deposits | 54.4725% | 3,727 |
| Total domestic deposits to total assets | 88.6988% | 1,666 |
| Equity capital to assets | 10.4934% | 2,181 |
| Core capital (leverage) ratio | 10.0912% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,734,800 | 3,189 |
| Average earning assets | $159,775,800 | 3,283 |
| Average equity | $20,692,200 | 3,158 |
| Average total loans | $100,090,200 | 3,197 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6854% | 2,317 |
| Cost of funding earning assets | 0.3533% | 2,088 |
| Net interest margin | 3.3321% | 2,331 |
| Noninterest income to average assets | 0.7284% | 1,737 |
| Noninterest expense to average assets | 2.2355% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1207% | 2,474 |
| Return on assets (ROA) | 1.1207% | 2,534 |
| Pretax return on assets | 1.3985% | 2,336 |
| Return on Equity (ROE) | 9.7079% | 2,840 |
| Retained earnings to average equity (ytd only) | 9.7079% | 1,405 |
| Net charge-offs to loans | -0.0312% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5166% | 2,766 |
| Assets per employee ($millions) | 5.9760% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4899% | 290 |
| Loan loss allowance to noncurrent loans | 827.7372% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 1,912 |
| Noncurrent loans to loans | 0.3008% | 2,716 |
| Net loans and leases to total assets | 45.0385% | 3,865 |
| Net loans and leases to deposits | 51.0463% | 3,951 |
| Net loans and leases to core deposits | 53.5048% | 3,950 |
| Total domestic deposits to total assets | 88.2306% | 1,703 |
| Equity capital to assets | 10.8444% | 2,132 |
| Core capital (leverage) ratio | 10.3186% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,478,750 | 3,239 |
| Average earning assets | $157,373,750 | 3,337 |
| Average equity | $20,834,750 | 3,176 |
| Average total loans | $102,422,000 | 3,212 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8461% | 1,955 |
| Cost of funding earning assets | 0.3652% | 2,178 |
| Net interest margin | 3.4809% | 1,912 |
| Noninterest income to average assets | 0.7101% | 1,771 |
| Noninterest expense to average assets | 2.2756% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1812% | 2,259 |
| Return on assets (ROA) | 1.1812% | 2,326 |
| Pretax return on assets | 1.4534% | 2,159 |
| Return on Equity (ROE) | 10.0044% | 2,736 |
| Retained earnings to average equity (ytd only) | 10.0044% | 1,394 |
| Net charge-offs to loans | -0.0395% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0242% | 2,866 |
| Assets per employee ($millions) | 5.9814% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3397% | 338 |
| Loan loss allowance to noncurrent loans | 453.9078% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 1,829 |
| Noncurrent loans to loans | 0.5155% | 2,131 |
| Net loans and leases to total assets | 50.9875% | 3,449 |
| Net loans and leases to deposits | 58.1496% | 3,532 |
| Net loans and leases to core deposits | 61.0535% | 3,540 |
| Total domestic deposits to total assets | 87.6832% | 1,995 |
| Equity capital to assets | 11.3368% | 1,737 |
| Core capital (leverage) ratio | 10.8311% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,902,667 | 3,291 |
| Average earning assets | $151,685,667 | 3,395 |
| Average equity | $20,651,000 | 3,192 |
| Average total loans | $106,200,333 | 3,178 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 1,744 |
| Cost of funding earning assets | 0.3712% | 2,344 |
| Net interest margin | 3.5616% | 1,672 |
| Noninterest income to average assets | 0.7074% | 1,852 |
| Noninterest expense to average assets | 2.3508% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2638% | 1,937 |
| Return on assets (ROA) | 1.2638% | 2,012 |
| Pretax return on assets | 1.4784% | 2,053 |
| Return on Equity (ROE) | 10.4759% | 2,543 |
| Retained earnings to average equity (ytd only) | 10.4759% | 1,525 |
| Net charge-offs to loans | -0.0216% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3916% | 2,851 |
| Assets per employee ($millions) | 5.4157% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1113% | 487 |
| Loan loss allowance to noncurrent loans | 438.5965% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 1,918 |
| Noncurrent loans to loans | 0.4814% | 2,405 |
| Net loans and leases to total assets | 60.1941% | 2,525 |
| Net loans and leases to deposits | 69.0622% | 2,595 |
| Net loans and leases to core deposits | 72.7835% | 2,633 |
| Total domestic deposits to total assets | 87.1593% | 2,250 |
| Equity capital to assets | 11.8124% | 1,383 |
| Core capital (leverage) ratio | 11.2803% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,643,000 | 3,336 |
| Average earning assets | $148,696,500 | 3,431 |
| Average equity | $20,466,000 | 3,202 |
| Average total loans | $110,897,000 | 3,120 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 1,216 |
| Cost of funding earning assets | 0.4766% | 3,107 |
| Net interest margin | 4.0642% | 849 |
| Noninterest income to average assets | 0.8140% | 1,491 |
| Noninterest expense to average assets | 2.6107% | 2,515 |
| Loan and lease loss provision to assets | 0.2916% | 1,300 |
| Net operating income to assets | 1.3242% | 1,189 |
| Return on assets (ROA) | 1.3453% | 1,233 |
| Pretax return on assets | 1.4867% | 1,377 |
| Return on Equity (ROE) | 10.6906% | 1,748 |
| Retained earnings to average equity (ytd only) | 6.1564% | 1,731 |
| Net charge-offs to loans | 0.0782% | 1,692 |
| Credit loss provision to net charge-offs | 547.6190% | 1,182 |
| Earnings coverage of net charge-offs (x) | 32.9524% | 1,535 |
| Efficiency ratio | 59.8025% | 3,490 |
| Assets per employee ($millions) | 4.7424% | 3,670 |
| Cash dividends to net income (ytd only)* | 42.4128% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 651 |
| Loan loss allowance to noncurrent loans | 466.5281% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 1,812 |
| Noncurrent loans to loans | 0.4174% | 2,728 |
| Net loans and leases to total assets | 68.0682% | 1,820 |
| Net loans and leases to deposits | 78.4571% | 2,029 |
| Net loans and leases to core deposits | 82.9057% | 2,125 |
| Total domestic deposits to total assets | 86.7584% | 2,053 |
| Equity capital to assets | 12.3270% | 1,407 |
| Core capital (leverage) ratio | 10.9331% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,735,600 | 3,311 |
| Average earning assets | $137,839,000 | 3,410 |
| Average equity | $19,849,200 | 3,203 |
| Average total loans | $107,451,800 | 3,132 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 1,439 |
| Cost of funding earning assets | 0.5046% | 3,192 |
| Net interest margin | 4.0514% | 1,004 |
| Noninterest income to average assets | 0.7708% | 1,592 |
| Noninterest expense to average assets | 2.5566% | 2,673 |
| Loan and lease loss provision to assets | 0.3064% | 1,313 |
| Net operating income to assets | 1.1644% | 1,767 |
| Return on assets (ROA) | 1.1699% | 1,867 |
| Pretax return on assets | 1.4423% | 1,598 |
| Return on Equity (ROE) | 9.2469% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.2469% | 922 |
| Net charge-offs to loans | 0.1125% | 1,223 |
| Credit loss provision to net charge-offs | 402.2472% | 1,455 |
| Earnings coverage of net charge-offs (x) | 22.8539% | 1,823 |
| Efficiency ratio | 59.4740% | 3,456 |
| Assets per employee ($millions) | 5.3175% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7236% | 859 |
| Loan loss allowance to noncurrent loans | 348.4502% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 1,788 |
| Noncurrent loans to loans | 0.4946% | 2,578 |
| Net loans and leases to total assets | 69.4066% | 2,043 |
| Net loans and leases to deposits | 79.6398% | 2,353 |
| Net loans and leases to core deposits | 83.8715% | 2,488 |
| Total domestic deposits to total assets | 87.1506% | 1,605 |
| Equity capital to assets | 11.7689% | 1,828 |
| Core capital (leverage) ratio | 11.1688% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,673,250 | 3,309 |
| Average earning assets | $135,553,500 | 3,423 |
| Average equity | $19,696,250 | 3,218 |
| Average total loans | $105,508,000 | 3,164 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 1,495 |
| Cost of funding earning assets | 0.5551% | 3,209 |
| Net interest margin | 4.1095% | 1,092 |
| Noninterest income to average assets | 0.7607% | 1,546 |
| Noninterest expense to average assets | 2.6645% | 2,481 |
| Loan and lease loss provision to assets | 0.2080% | 1,975 |
| Net operating income to assets | 1.1571% | 1,771 |
| Return on assets (ROA) | 1.1659% | 1,866 |
| Pretax return on assets | 1.4248% | 1,663 |
| Return on Equity (ROE) | 8.9691% | 2,377 |
| Retained earnings to average equity (ytd only) | 8.9691% | 1,020 |
| Net charge-offs to loans | 0.1188% | 1,134 |
| Credit loss provision to net charge-offs | 262.7119% | 1,717 |
| Earnings coverage of net charge-offs (x) | 20.4915% | 1,684 |
| Efficiency ratio | 62.1596% | 3,106 |
| Assets per employee ($millions) | 5.1821% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 642 |
| Loan loss allowance to noncurrent loans | 285.0508% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 1,437 |
| Noncurrent loans to loans | 0.6345% | 2,277 |
| Net loans and leases to total assets | 66.3747% | 2,573 |
| Net loans and leases to deposits | 77.1458% | 2,744 |
| Net loans and leases to core deposits | 81.8973% | 2,782 |
| Total domestic deposits to total assets | 86.0381% | 1,994 |
| Equity capital to assets | 12.4138% | 1,420 |
| Core capital (leverage) ratio | 11.9065% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,071,333 | 3,377 |
| Average earning assets | $127,898,000 | 3,501 |
| Average equity | $19,377,667 | 3,234 |
| Average total loans | $99,367,333 | 3,244 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7584% | 1,533 |
| Cost of funding earning assets | 0.5952% | 3,464 |
| Net interest margin | 4.1632% | 994 |
| Noninterest income to average assets | 0.6365% | 1,874 |
| Noninterest expense to average assets | 2.7274% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2869% | 1,277 |
| Return on assets (ROA) | 1.2869% | 1,368 |
| Pretax return on assets | 1.5214% | 1,252 |
| Return on Equity (ROE) | 9.6567% | 1,856 |
| Retained earnings to average equity (ytd only) | 9.6567% | 814 |
| Net charge-offs to loans | 0.2828% | 522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 8.1343% | 1,884 |
| Efficiency ratio | 64.1919% | 3,206 |
| Assets per employee ($millions) | 4.2626% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8896% | 619 |
| Loan loss allowance to noncurrent loans | 488.0759% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 1,690 |
| Noncurrent loans to loans | 0.3871% | 3,102 |
| Net loans and leases to total assets | 64.5235% | 3,002 |
| Net loans and leases to deposits | 75.4732% | 3,122 |
| Net loans and leases to core deposits | 80.7558% | 3,132 |
| Total domestic deposits to total assets | 85.4920% | 2,215 |
| Equity capital to assets | 13.3978% | 1,262 |
| Core capital (leverage) ratio | 12.3380% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,285,000 | 3,421 |
| Average earning assets | $124,327,500 | 3,519 |
| Average equity | $19,095,500 | 3,266 |
| Average total loans | $94,755,500 | 3,306 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8518% | 1,892 |
| Cost of funding earning assets | 0.5638% | 3,807 |
| Net interest margin | 4.2880% | 1,113 |
| Noninterest income to average assets | 0.7400% | 1,660 |
| Noninterest expense to average assets | 2.7689% | 2,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4616% | 1,152 |
| Return on assets (ROA) | 1.4639% | 1,207 |
| Pretax return on assets | 1.7666% | 1,029 |
| Return on Equity (ROE) | 11.3135% | 1,763 |
| Retained earnings to average equity (ytd only) | 4.1718% | 2,872 |
| Net charge-offs to loans | 0.0313% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 87.2069% | 749 |
| Efficiency ratio | 61.0863% | 3,524 |
| Assets per employee ($millions) | 4.0469% | 3,849 |
| Cash dividends to net income (ytd only)* | 63.1253% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9831% | 469 |
| Loan loss allowance to noncurrent loans | 315.0084% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.9086% | 1,400 |
| Noncurrent loans to loans | 0.6295% | 2,310 |
| Net loans and leases to total assets | 65.1850% | 3,049 |
| Net loans and leases to deposits | 76.0400% | 3,177 |
| Net loans and leases to core deposits | 81.4794% | 3,181 |
| Total domestic deposits to total assets | 85.7247% | 2,179 |
| Equity capital to assets | 13.2544% | 1,387 |
| Core capital (leverage) ratio | 12.0426% | 1,748 |
| Tier 1 risk-based capital ratio | 15.9859% | 2,412 |
| Total risk-based capital ratio | 17.2419% | 2,357 |
| Memoranda: | ||
| Average total assets | $143,380,800 | 3,390 |
| Average earning assets | $126,818,600 | 3,473 |
| Average equity | $18,553,000 | 3,270 |
| Average total loans | $92,729,000 | 3,345 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 1,963 |
| Cost of funding earning assets | 0.5548% | 3,898 |
| Net interest margin | 4.2971% | 1,169 |
| Noninterest income to average assets | 0.6703% | 1,913 |
| Noninterest expense to average assets | 2.7090% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4784% | 1,249 |
| Return on assets (ROA) | 1.4815% | 1,296 |
| Pretax return on assets | 1.7707% | 1,156 |
| Return on Equity (ROE) | 11.5182% | 1,799 |
| Retained earnings to average equity (ytd only) | 8.4549% | 1,219 |
| Net charge-offs to loans | 0.0231% | 2,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 119.1406% | 655 |
| Efficiency ratio | 60.5220% | 3,539 |
| Assets per employee ($millions) | 4.2869% | 3,501 |
| Cash dividends to net income (ytd only)* | 26.5957% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0200% | 448 |
| Loan loss allowance to noncurrent loans | 194.9223% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.9914% | 1,355 |
| Noncurrent loans to loans | 1.0363% | 1,548 |
| Net loans and leases to total assets | 62.5966% | 3,431 |
| Net loans and leases to deposits | 72.9937% | 3,555 |
| Net loans and leases to core deposits | 77.9823% | 3,552 |
| Total domestic deposits to total assets | 85.7561% | 2,099 |
| Equity capital to assets | 13.1866% | 1,523 |
| Core capital (leverage) ratio | 12.1025% | 1,788 |
| Tier 1 risk-based capital ratio | 16.2743% | 2,339 |
| Total risk-based capital ratio | 17.5311% | 2,270 |
| Memoranda: | ||
| Average total assets | $143,815,250 | 3,416 |
| Average earning assets | $127,368,250 | 3,501 |
| Average equity | $18,497,750 | 3,301 |
| Average total loans | $92,361,750 | 3,392 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 2,156 |
| Cost of funding earning assets | 0.5345% | 3,956 |
| Net interest margin | 4.2369% | 1,275 |
| Noninterest income to average assets | 0.6971% | 1,727 |
| Noninterest expense to average assets | 2.7143% | 2,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5024% | 1,144 |
| Return on assets (ROA) | 1.5059% | 1,186 |
| Pretax return on assets | 1.7853% | 1,076 |
| Return on Equity (ROE) | 11.8092% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.8092% | 429 |
| Net charge-offs to loans | 0.0391% | 2,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 70.8333% | 887 |
| Efficiency ratio | 60.3791% | 3,670 |
| Assets per employee ($millions) | 4.1958% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0061% | 472 |
| Loan loss allowance to noncurrent loans | 488.0519% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 2,210 |
| Noncurrent loans to loans | 0.4111% | 3,061 |
| Net loans and leases to total assets | 64.3387% | 3,302 |
| Net loans and leases to deposits | 75.1654% | 3,413 |
| Net loans and leases to core deposits | 80.4549% | 3,388 |
| Total domestic deposits to total assets | 85.5961% | 2,224 |
| Equity capital to assets | 13.3692% | 1,394 |
| Core capital (leverage) ratio | 12.2921% | 1,645 |
| Tier 1 risk-based capital ratio | 16.2983% | 2,302 |
| Total risk-based capital ratio | 17.5544% | 2,251 |
| Memoranda: | ||
| Average total assets | $143,169,000 | 3,445 |
| Average earning assets | $128,349,330 | 3,502 |
| Average equity | $18,257,000 | 3,325 |
| Average total loans | $92,109,670 | 3,410 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 2,157 |
| Cost of funding earning assets | 0.4891% | 4,112 |
| Net interest margin | 4.2319% | 1,237 |
| Noninterest income to average assets | 0.7307% | 1,501 |
| Noninterest expense to average assets | 2.6634% | 3,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6017% | 891 |
| Return on assets (ROA) | 1.6064% | 914 |
| Pretax return on assets | 1.8853% | 818 |
| Return on Equity (ROE) | 12.9079% | 1,250 |
| Retained earnings to average equity (ytd only) | 12.9079% | 475 |
| Net charge-offs to loans | -0.0175% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6249% | 4,001 |
| Assets per employee ($millions) | 4.2320% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0545% | 450 |
| Loan loss allowance to noncurrent loans | 754.3651% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.4267% | 2,880 |
| Noncurrent loans to loans | 0.2723% | 3,589 |
| Net loans and leases to total assets | 62.9858% | 3,403 |
| Net loans and leases to deposits | 73.0484% | 3,527 |
| Net loans and leases to core deposits | 78.1062% | 3,512 |
| Total domestic deposits to total assets | 86.2247% | 2,172 |
| Equity capital to assets | 12.6981% | 1,628 |
| Core capital (leverage) ratio | 11.8313% | 1,881 |
| Tier 1 risk-based capital ratio | 15.7501% | 2,549 |
| Total risk-based capital ratio | 17.0068% | 2,472 |
| Memoranda: | ||
| Average total assets | $143,425,500 | 3,474 |
| Average earning assets | $129,208,500 | 3,527 |
| Average equity | $17,849,500 | 3,367 |
| Average total loans | $91,333,500 | 3,465 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 2,134 |
| Cost of funding earning assets | 0.4413% | 3,730 |
| Net interest margin | 4.1562% | 1,512 |
| Noninterest income to average assets | 0.7046% | 1,836 |
| Noninterest expense to average assets | 2.7591% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3901% | 1,462 |
| Return on assets (ROA) | 1.3925% | 1,453 |
| Pretax return on assets | 1.6303% | 1,381 |
| Return on Equity (ROE) | 11.1577% | 2,021 |
| Retained earnings to average equity (ytd only) | 2.3450% | 4,213 |
| Net charge-offs to loans | -0.0144% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8995% | 3,364 |
| Assets per employee ($millions) | 4.2048% | 3,612 |
| Cash dividends to net income (ytd only)* | 78.9829% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1046% | 401 |
| Loan loss allowance to noncurrent loans | 403.6170% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 2,335 |
| Noncurrent loans to loans | 0.5214% | 2,711 |
| Net loans and leases to total assets | 61.7223% | 3,596 |
| Net loans and leases to deposits | 71.1062% | 3,741 |
| Net loans and leases to core deposits | 76.0231% | 3,719 |
| Total domestic deposits to total assets | 86.8029% | 1,874 |
| Equity capital to assets | 12.1906% | 1,764 |
| Core capital (leverage) ratio | 11.3968% | 2,177 |
| Tier 1 risk-based capital ratio | 15.7146% | 2,525 |
| Total risk-based capital ratio | 16.9724% | 2,447 |
| Memoranda: | ||
| Average total assets | $138,380,400 | 3,529 |
| Average earning assets | $122,588,000 | 3,609 |
| Average equity | $17,270,600 | 3,365 |
| Average total loans | $83,277,000 | 3,603 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 2,169 |
| Cost of funding earning assets | 0.4447% | 3,563 |
| Net interest margin | 4.0907% | 1,653 |
| Noninterest income to average assets | 0.6636% | 2,011 |
| Noninterest expense to average assets | 2.6795% | 3,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3611% | 1,613 |
| Return on assets (ROA) | 1.3611% | 1,622 |
| Pretax return on assets | 1.5943% | 1,598 |
| Return on Equity (ROE) | 10.8405% | 2,241 |
| Retained earnings to average equity (ytd only) | 5.2539% | 3,087 |
| Net charge-offs to loans | -0.0114% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6961% | 3,394 |
| Assets per employee ($millions) | 4.3862% | 3,298 |
| Cash dividends to net income (ytd only)* | 51.5346% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2367% | 336 |
| Loan loss allowance to noncurrent loans | 311.6969% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.6577% | 2,222 |
| Noncurrent loans to loans | 0.7176% | 2,285 |
| Net loans and leases to total assets | 57.1340% | 4,122 |
| Net loans and leases to deposits | 65.7325% | 4,217 |
| Net loans and leases to core deposits | 70.2074% | 4,181 |
| Total domestic deposits to total assets | 86.9190% | 1,767 |
| Equity capital to assets | 12.0558% | 1,875 |
| Core capital (leverage) ratio | 11.7483% | 1,967 |
| Tier 1 risk-based capital ratio | 16.6281% | 2,230 |
| Total risk-based capital ratio | 17.8863% | 2,173 |
| Memoranda: | ||
| Average total assets | $137,234,750 | 3,580 |
| Average earning assets | $121,116,000 | 3,663 |
| Average equity | $17,231,250 | 3,400 |
| Average total loans | $81,562,000 | 3,663 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,238 |
| Cost of funding earning assets | 0.4441% | 3,390 |
| Net interest margin | 4.0121% | 1,820 |
| Noninterest income to average assets | 0.6650% | 2,028 |
| Noninterest expense to average assets | 2.7432% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3004% | 1,773 |
| Return on assets (ROA) | 1.3004% | 1,767 |
| Pretax return on assets | 1.5156% | 1,760 |
| Return on Equity (ROE) | 10.2108% | 2,468 |
| Retained earnings to average equity (ytd only) | 1.7950% | 4,525 |
| Net charge-offs to loans | -0.0149% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4127% | 3,264 |
| Assets per employee ($millions) | 4.1029% | 3,725 |
| Cash dividends to net income (ytd only)* | 82.4201% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2900% | 320 |
| Loan loss allowance to noncurrent loans | 262.1359% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 1,904 |
| Noncurrent loans to loans | 0.8736% | 1,982 |
| Net loans and leases to total assets | 59.5613% | 3,846 |
| Net loans and leases to deposits | 69.0590% | 3,944 |
| Net loans and leases to core deposits | 74.1511% | 3,873 |
| Total domestic deposits to total assets | 86.2469% | 2,168 |
| Equity capital to assets | 12.5898% | 1,490 |
| Core capital (leverage) ratio | 12.0900% | 1,657 |
| Tier 1 risk-based capital ratio | 17.0370% | 2,087 |
| Total risk-based capital ratio | 18.2969% | 2,029 |
| Memoranda: | ||
| Average total assets | $134,731,670 | 3,635 |
| Average earning assets | $120,684,670 | 3,696 |
| Average equity | $17,158,330 | 3,427 |
| Average total loans | $80,552,670 | 3,699 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 2,396 |
| Cost of funding earning assets | 0.4425% | 3,268 |
| Net interest margin | 3.8930% | 2,071 |
| Noninterest income to average assets | 0.6726% | 1,947 |
| Noninterest expense to average assets | 2.7500% | 2,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2054% | 1,978 |
| Return on assets (ROA) | 1.2054% | 1,988 |
| Pretax return on assets | 1.4315% | 1,897 |
| Return on Equity (ROE) | 9.4107% | 2,714 |
| Retained earnings to average equity (ytd only) | 5.9949% | 2,706 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7651% | 3,216 |
| Assets per employee ($millions) | 4.2516% | 3,563 |
| Cash dividends to net income (ytd only)* | 36.2963% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3154% | 318 |
| Loan loss allowance to noncurrent loans | 290.4468% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.7306% | 2,125 |
| Noncurrent loans to loans | 0.7972% | 2,217 |
| Net loans and leases to total assets | 58.4546% | 3,898 |
| Net loans and leases to deposits | 67.7520% | 3,961 |
| Net loans and leases to core deposits | 73.9513% | 3,827 |
| Total domestic deposits to total assets | 86.2772% | 2,409 |
| Equity capital to assets | 12.6460% | 1,407 |
| Core capital (leverage) ratio | 12.0680% | 1,612 |
| Tier 1 risk-based capital ratio | 17.1258% | 2,085 |
| Total risk-based capital ratio | 18.3852% | 2,035 |
| Memoranda: | ||
| Average total assets | $134,400,000 | 3,675 |
| Average earning assets | $121,141,500 | 3,732 |
| Average equity | $17,214,500 | 3,444 |
| Average total loans | $79,562,500 | 3,752 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4552% | 1,862 |
| Cost of funding earning assets | 0.4824% | 2,481 |
| Net interest margin | 3.9728% | 1,834 |
| Noninterest income to average assets | 0.6719% | 2,085 |
| Noninterest expense to average assets | 2.7239% | 3,049 |
| Loan and lease loss provision to assets | 0.0415% | 3,432 |
| Net operating income to assets | 0.9967% | 2,257 |
| Return on assets (ROA) | 0.9977% | 2,289 |
| Pretax return on assets | 1.4419% | 1,849 |
| Return on Equity (ROE) | 7.4262% | 3,068 |
| Retained earnings to average equity (ytd only) | -1.9197% | 5,278 |
| Net charge-offs to loans | 0.0141% | 3,612 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 178.6364% | 433 |
| Efficiency ratio | 64.7660% | 3,486 |
| Assets per employee ($millions) | 4.0227% | 3,924 |
| Cash dividends to net income (ytd only)* | 125.8503% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4256% | 269 |
| Loan loss allowance to noncurrent loans | 287.7863% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7699% | 2,028 |
| Noncurrent loans to loans | 0.8429% | 2,110 |
| Net loans and leases to total assets | 57.1206% | 4,101 |
| Net loans and leases to deposits | 66.4391% | 4,154 |
| Net loans and leases to core deposits | 72.4875% | 4,013 |
| Total domestic deposits to total assets | 85.9743% | 2,453 |
| Equity capital to assets | 12.9749% | 1,277 |
| Core capital (leverage) ratio | 12.0732% | 1,566 |
| Tier 1 risk-based capital ratio | 17.6121% | 1,918 |
| Total risk-based capital ratio | 18.8726% | 1,860 |
| Memoranda: | ||
| Average total assets | $132,604,400 | 3,703 |
| Average earning assets | $117,953,000 | 3,788 |
| Average equity | $17,815,400 | 3,390 |
| Average total loans | $78,013,000 | 3,789 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 1,845 |
| Cost of funding earning assets | 0.4869% | 2,375 |
| Net interest margin | 3.9482% | 1,869 |
| Noninterest income to average assets | 0.7171% | 1,928 |
| Noninterest expense to average assets | 2.7065% | 3,046 |
| Loan and lease loss provision to assets | 0.0453% | 3,195 |
| Net operating income to assets | 1.1460% | 1,893 |
| Return on assets (ROA) | 1.1476% | 1,941 |
| Pretax return on assets | 1.4744% | 1,865 |
| Return on Equity (ROE) | 8.4690% | 2,899 |
| Retained earnings to average equity (ytd only) | 1.0466% | 4,960 |
| Net charge-offs to loans | 0.0205% | 3,081 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 125.7469% | 605 |
| Efficiency ratio | 64.0714% | 3,533 |
| Assets per employee ($millions) | 4.1524% | 3,736 |
| Cash dividends to net income (ytd only)* | 87.6421% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4420% | 284 |
| Loan loss allowance to noncurrent loans | 213.9269% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 1,881 |
| Noncurrent loans to loans | 1.1415% | 1,685 |
| Net loans and leases to total assets | 54.6363% | 4,361 |
| Net loans and leases to deposits | 63.6575% | 4,402 |
| Net loans and leases to core deposits | 69.2617% | 4,285 |
| Total domestic deposits to total assets | 85.8284% | 2,382 |
| Equity capital to assets | 13.1083% | 1,334 |
| Core capital (leverage) ratio | 12.4025% | 1,457 |
| Tier 1 risk-based capital ratio | 17.5705% | 1,990 |
| Total risk-based capital ratio | 18.8296% | 1,926 |
| Memoranda: | ||
| Average total assets | $132,568,250 | 3,745 |
| Average earning assets | $117,755,500 | 3,825 |
| Average equity | $17,963,250 | 3,395 |
| Average total loans | $78,088,250 | 3,821 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 1,588 |
| Cost of funding earning assets | 0.4968% | 2,185 |
| Net interest margin | 3.9775% | 1,683 |
| Noninterest income to average assets | 0.6820% | 2,076 |
| Noninterest expense to average assets | 2.7860% | 2,811 |
| Loan and lease loss provision to assets | 0.0458% | 3,078 |
| Net operating income to assets | 1.0977% | 1,988 |
| Return on assets (ROA) | 1.1001% | 2,026 |
| Pretax return on assets | 1.3961% | 2,037 |
| Return on Equity (ROE) | 8.0273% | 3,015 |
| Retained earnings to average equity (ytd only) | 4.6872% | 2,920 |
| Net charge-offs to loans | 0.0433% | 2,326 |
| Credit loss provision to net charge-offs | 176.4706% | 1,371 |
| Earnings coverage of net charge-offs (x) | 55.4706% | 1,000 |
| Efficiency ratio | 65.9444% | 3,364 |
| Assets per employee ($millions) | 3.8361% | 4,219 |
| Cash dividends to net income (ytd only)* | 41.6089% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3743% | 338 |
| Loan loss allowance to noncurrent loans | 185.5856% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 1,548 |
| Noncurrent loans to loans | 1.2794% | 1,507 |
| Net loans and leases to total assets | 58.4477% | 3,981 |
| Net loans and leases to deposits | 68.8465% | 4,003 |
| Net loans and leases to core deposits | 76.0000% | 3,775 |
| Total domestic deposits to total assets | 84.8956% | 2,850 |
| Equity capital to assets | 14.0194% | 959 |
| Core capital (leverage) ratio | 13.0998% | 1,135 |
| Tier 1 risk-based capital ratio | 17.9096% | 1,882 |
| Total risk-based capital ratio | 19.1692% | 1,831 |
| Memoranda: | ||
| Average total assets | $131,081,670 | 3,786 |
| Average earning assets | $116,757,000 | 3,864 |
| Average equity | $17,963,670 | 3,398 |
| Average total loans | $78,537,330 | 3,821 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 1,419 |
| Cost of funding earning assets | 0.5042% | 2,054 |
| Net interest margin | 3.9783% | 1,525 |
| Noninterest income to average assets | 0.6331% | 2,252 |
| Noninterest expense to average assets | 2.7730% | 2,879 |
| Loan and lease loss provision to assets | 0.0457% | 2,885 |
| Net operating income to assets | 1.0757% | 1,959 |
| Return on assets (ROA) | 1.0806% | 1,990 |
| Pretax return on assets | 1.3515% | 2,056 |
| Return on Equity (ROE) | 7.9762% | 2,935 |
| Retained earnings to average equity (ytd only) | 7.9762% | 1,471 |
| Net charge-offs to loans | 0.1625% | 997 |
| Credit loss provision to net charge-offs | 46.8750% | 2,014 |
| Earnings coverage of net charge-offs (x) | 14.2813% | 1,730 |
| Efficiency ratio | 66.5936% | 3,397 |
| Assets per employee ($millions) | 3.8533% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3365% | 394 |
| Loan loss allowance to noncurrent loans | 220.5562% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.2090% | 1,452 |
| Noncurrent loans to loans | 1.0594% | 1,936 |
| Net loans and leases to total assets | 58.1939% | 3,953 |
| Net loans and leases to deposits | 68.3298% | 3,964 |
| Net loans and leases to core deposits | 74.5560% | 3,785 |
| Total domestic deposits to total assets | 85.1662% | 3,017 |
| Equity capital to assets | 13.7751% | 979 |
| Core capital (leverage) ratio | 12.7593% | 1,233 |
| Tier 1 risk-based capital ratio | 17.7216% | 1,972 |
| Total risk-based capital ratio | 18.9805% | 1,922 |
| Memoranda: | ||
| Average total assets | $131,409,500 | 3,821 |
| Average earning assets | $116,631,500 | 3,906 |
| Average equity | $17,803,000 | 3,433 |
| Average total loans | $78,763,500 | 3,840 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,307 |
| Cost of funding earning assets | 0.5504% | 1,686 |
| Net interest margin | 4.0379% | 1,532 |
| Noninterest income to average assets | 0.4029% | 3,862 |
| Noninterest expense to average assets | 2.6845% | 3,390 |
| Loan and lease loss provision to assets | 0.0692% | 2,969 |
| Net operating income to assets | 1.0830% | 1,971 |
| Return on assets (ROA) | 1.0989% | 2,002 |
| Pretax return on assets | 1.2265% | 2,571 |
| Return on Equity (ROE) | 7.9587% | 2,959 |
| Retained earnings to average equity (ytd only) | 2.9462% | 3,799 |
| Net charge-offs to loans | 0.0587% | 2,872 |
| Credit loss provision to net charge-offs | 200.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 36.9333% | 1,249 |
| Efficiency ratio | 67.7469% | 3,291 |
| Assets per employee ($millions) | 3.7659% | 4,370 |
| Cash dividends to net income (ytd only)* | 62.9811% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3168% | 388 |
| Loan loss allowance to noncurrent loans | 179.6098% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.2898% | 1,370 |
| Noncurrent loans to loans | 1.2899% | 1,585 |
| Net loans and leases to total assets | 58.8899% | 3,975 |
| Net loans and leases to deposits | 70.2573% | 3,878 |
| Net loans and leases to core deposits | 76.5697% | 3,700 |
| Total domestic deposits to total assets | 83.8203% | 3,493 |
| Equity capital to assets | 13.3218% | 1,124 |
| Core capital (leverage) ratio | 12.4400% | 1,360 |
| Tier 1 risk-based capital ratio | 17.1563% | 2,106 |
| Total risk-based capital ratio | 18.4146% | 2,064 |
| Memoranda: | ||
| Average total assets | $130,041,400 | 3,826 |
| Average earning assets | $114,637,600 | 3,914 |
| Average equity | $17,955,200 | 3,414 |
| Average total loans | $76,624,800 | 3,884 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 1,289 |
| Cost of funding earning assets | 0.5652% | 1,576 |
| Net interest margin | 4.0374% | 1,560 |
| Noninterest income to average assets | 0.3662% | 4,159 |
| Noninterest expense to average assets | 2.6820% | 3,392 |
| Loan and lease loss provision to assets | 0.0926% | 2,379 |
| Net operating income to assets | 0.9341% | 2,730 |
| Return on assets (ROA) | 0.9341% | 2,854 |
| Pretax return on assets | 1.1337% | 3,102 |
| Return on Equity (ROE) | 6.7056% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.7056% | 1,783 |
| Net charge-offs to loans | -0.0105% | 4,783 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6233% | 3,118 |
| Assets per employee ($millions) | 3.9230% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4460% | 349 |
| Loan loss allowance to noncurrent loans | 179.1667% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 1.3802% | 1,354 |
| Noncurrent loans to loans | 1.3652% | 1,616 |
| Net loans and leases to total assets | 56.5736% | 4,241 |
| Net loans and leases to deposits | 66.6022% | 4,292 |
| Net loans and leases to core deposits | 71.9775% | 4,162 |
| Total domestic deposits to total assets | 84.9425% | 2,830 |
| Equity capital to assets | 13.9599% | 1,051 |
| Core capital (leverage) ratio | 12.5559% | 1,377 |
| Tier 1 risk-based capital ratio | 18.0984% | 1,885 |
| Total risk-based capital ratio | 19.3591% | 1,852 |
| Memoranda: | ||
| Average total assets | $129,600,000 | 3,863 |
| Average earning assets | $113,700,250 | 3,959 |
| Average equity | $18,054,250 | 3,418 |
| Average total loans | $75,915,500 | 3,931 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 1,218 |
| Cost of funding earning assets | 0.5869% | 1,422 |
| Net interest margin | 4.0386% | 1,525 |
| Noninterest income to average assets | 0.4254% | 3,689 |
| Noninterest expense to average assets | 2.7178% | 3,327 |
| Loan and lease loss provision to assets | 0.0935% | 2,283 |
| Net operating income to assets | 0.9335% | 2,709 |
| Return on assets (ROA) | 0.9335% | 2,843 |
| Pretax return on assets | 1.1314% | 3,085 |
| Return on Equity (ROE) | 6.7056% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.7056% | 1,761 |
| Net charge-offs to loans | 0.0848% | 1,997 |
| Credit loss provision to net charge-offs | 187.5000% | 1,361 |
| Earnings coverage of net charge-offs (x) | 24.5625% | 1,539 |
| Efficiency ratio | 68.9328% | 3,167 |
| Assets per employee ($millions) | 3.7841% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4272% | 394 |
| Loan loss allowance to noncurrent loans | 225.4635% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 1,169 |
| Noncurrent loans to loans | 1.0765% | 2,138 |
| Net loans and leases to total assets | 56.9901% | 4,211 |
| Net loans and leases to deposits | 67.3432% | 4,241 |
| Net loans and leases to core deposits | 73.0093% | 4,080 |
| Total domestic deposits to total assets | 84.6263% | 3,034 |
| Equity capital to assets | 14.2055% | 959 |
| Core capital (leverage) ratio | 12.7903% | 1,239 |
| Tier 1 risk-based capital ratio | 18.3499% | 1,838 |
| Total risk-based capital ratio | 19.6094% | 1,797 |
| Memoranda: | ||
| Average total assets | $128,339,330 | 3,909 |
| Average earning assets | $111,770,670 | 4,025 |
| Average equity | $17,865,670 | 3,460 |
| Average total loans | $75,437,000 | 3,964 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 1,056 |
| Cost of funding earning assets | 0.6069% | 1,296 |
| Net interest margin | 4.0895% | 1,370 |
| Noninterest income to average assets | 0.4119% | 3,733 |
| Noninterest expense to average assets | 2.6994% | 3,420 |
| Loan and lease loss provision to assets | 0.0936% | 2,130 |
| Net operating income to assets | 0.9424% | 2,546 |
| Return on assets (ROA) | 0.9424% | 2,661 |
| Pretax return on assets | 1.1515% | 2,887 |
| Return on Equity (ROE) | 6.8403% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.8403% | 1,962 |
| Net charge-offs to loans | 0.2434% | 844 |
| Credit loss provision to net charge-offs | 65.2174% | 1,938 |
| Earnings coverage of net charge-offs (x) | 8.6739% | 2,034 |
| Efficiency ratio | 68.4335% | 3,390 |
| Assets per employee ($millions) | 3.8030% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3931% | 450 |
| Loan loss allowance to noncurrent loans | 206.4965% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 1.6682% | 1,176 |
| Noncurrent loans to loans | 1.1589% | 2,088 |
| Net loans and leases to total assets | 56.1476% | 4,242 |
| Net loans and leases to deposits | 66.4860% | 4,209 |
| Net loans and leases to core deposits | 72.2374% | 4,051 |
| Total domestic deposits to total assets | 84.4504% | 3,333 |
| Equity capital to assets | 13.8250% | 1,043 |
| Core capital (leverage) ratio | 12.5301% | 1,327 |
| Tier 1 risk-based capital ratio | 18.0177% | 1,982 |
| Total risk-based capital ratio | 19.2776% | 1,945 |
| Memoranda: | ||
| Average total assets | $128,178,500 | 3,947 |
| Average earning assets | $110,723,000 | 4,079 |
| Average equity | $17,660,000 | 3,481 |
| Average total loans | $75,581,500 | 3,981 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7776% | 963 |
| Cost of funding earning assets | 0.6686% | 968 |
| Net interest margin | 4.1090% | 1,393 |
| Noninterest income to average assets | 4.0169% | 156 |
| Noninterest expense to average assets | 5.6336% | 202 |
| Loan and lease loss provision to assets | 0.2673% | 694 |
| Net operating income to assets | 1.2213% | 1,481 |
| Return on assets (ROA) | 1.2225% | 1,538 |
| Pretax return on assets | 1.6191% | 1,191 |
| Return on Equity (ROE) | 8.8167% | 2,554 |
| Retained earnings to average equity (ytd only) | 4.7018% | 2,645 |
| Net charge-offs to loans | 0.7267% | 331 |
| Credit loss provision to net charge-offs | 60.9091% | 3,258 |
| Earnings coverage of net charge-offs (x) | 4.2945% | 3,582 |
| Efficiency ratio | 74.9310% | 2,437 |
| Assets per employee ($millions) | 3.9705% | 3,992 |
| Cash dividends to net income (ytd only)* | 46.6710% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3391% | 491 |
| Loan loss allowance to noncurrent loans | 117.3856% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 2.2227% | 758 |
| Noncurrent loans to loans | 1.9926% | 1,052 |
| Net loans and leases to total assets | 59.0193% | 3,968 |
| Net loans and leases to deposits | 69.8255% | 3,942 |
| Net loans and leases to core deposits | 76.2373% | 3,734 |
| Total domestic deposits to total assets | 84.5240% | 3,275 |
| Equity capital to assets | 13.7295% | 1,030 |
| Core capital (leverage) ratio | 12.4373% | 1,381 |
| Tier 1 risk-based capital ratio | 17.5742% | 2,102 |
| Total risk-based capital ratio | 18.8337% | 2,050 |
| Memoranda: | ||
| Average total assets | $125,319,800 | 3,977 |
| Average earning assets | $106,789,200 | 4,121 |
| Average equity | $17,376,200 | 3,483 |
| Average total loans | $75,684,000 | 3,952 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8095% | 915 |
| Cost of funding earning assets | 0.6743% | 960 |
| Net interest margin | 4.1352% | 1,312 |
| Noninterest income to average assets | 4.5064% | 143 |
| Noninterest expense to average assets | 5.9519% | 180 |
| Loan and lease loss provision to assets | 0.1975% | 1,020 |
| Net operating income to assets | 1.4319% | 1,045 |
| Return on assets (ROA) | 1.4327% | 1,092 |
| Pretax return on assets | 1.8608% | 782 |
| Return on Equity (ROE) | 10.3074% | 1,969 |
| Retained earnings to average equity (ytd only) | 10.3074% | 586 |
| Net charge-offs to loans | 0.8257% | 245 |
| Credit loss provision to net charge-offs | 39.6146% | 3,164 |
| Earnings coverage of net charge-offs (x) | 4.1263% | 3,396 |
| Efficiency ratio | 74.3135% | 2,504 |
| Assets per employee ($millions) | 4.2845% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2590% | 603 |
| Loan loss allowance to noncurrent loans | 59.1655% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 3.1998% | 443 |
| Noncurrent loans to loans | 3.8181% | 370 |
| Net loans and leases to total assets | 56.3567% | 4,314 |
| Net loans and leases to deposits | 67.5008% | 4,238 |
| Net loans and leases to core deposits | 73.1994% | 4,085 |
| Total domestic deposits to total assets | 83.4904% | 3,613 |
| Equity capital to assets | 13.5958% | 1,183 |
| Core capital (leverage) ratio | 12.8149% | 1,267 |
| Tier 1 risk-based capital ratio | 16.9769% | 2,387 |
| Total risk-based capital ratio | 18.2334% | 2,330 |
| Memoranda: | ||
| Average total assets | $124,886,000 | 4,025 |
| Average earning assets | $105,787,500 | 4,185 |
| Average equity | $17,359,250 | 3,511 |
| Average total loans | $75,409,250 | 3,996 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 732 |
| Cost of funding earning assets | 0.6862% | 906 |
| Net interest margin | 4.2117% | 1,085 |
| Noninterest income to average assets | 4.5582% | 141 |
| Noninterest expense to average assets | 6.0389% | 180 |
| Loan and lease loss provision to assets | 0.1391% | 1,574 |
| Net operating income to assets | 1.4533% | 980 |
| Return on assets (ROA) | 1.4545% | 1,025 |
| Pretax return on assets | 1.9470% | 668 |
| Return on Equity (ROE) | 10.3817% | 1,902 |
| Retained earnings to average equity (ytd only) | 10.3817% | 607 |
| Net charge-offs to loans | 0.1973% | 1,270 |
| Credit loss provision to net charge-offs | 114.8649% | 1,866 |
| Earnings coverage of net charge-offs (x) | 17.2162% | 1,866 |
| Efficiency ratio | 74.3404% | 2,635 |
| Assets per employee ($millions) | 4.0832% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6724% | 388 |
| Loan loss allowance to noncurrent loans | 71.7530% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 3.4687% | 420 |
| Noncurrent loans to loans | 3.7245% | 454 |
| Net loans and leases to total assets | 60.1167% | 3,820 |
| Net loans and leases to deposits | 72.1940% | 3,703 |
| Net loans and leases to core deposits | 78.5611% | 3,521 |
| Total domestic deposits to total assets | 83.2712% | 3,844 |
| Equity capital to assets | 14.2700% | 887 |
| Core capital (leverage) ratio | 13.1144% | 1,128 |
| Tier 1 risk-based capital ratio | 17.4182% | 2,248 |
| Total risk-based capital ratio | 18.6805% | 2,200 |
| Memoranda: | ||
| Average total assets | $122,241,330 | 4,110 |
| Average earning assets | $103,474,670 | 4,286 |
| Average equity | $17,126,330 | 3,549 |
| Average total loans | $75,018,000 | 4,030 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8968% | 704 |
| Cost of funding earning assets | 0.6884% | 902 |
| Net interest margin | 4.2083% | 1,042 |
| Noninterest income to average assets | 4.8479% | 135 |
| Noninterest expense to average assets | 6.2597% | 182 |
| Loan and lease loss provision to assets | 0.0983% | 2,058 |
| Net operating income to assets | 1.5076% | 835 |
| Return on assets (ROA) | 1.5101% | 881 |
| Pretax return on assets | 2.0374% | 551 |
| Return on Equity (ROE) | 10.8794% | 1,664 |
| Retained earnings to average equity (ytd only) | 10.8794% | 737 |
| Net charge-offs to loans | 0.2303% | 1,029 |
| Credit loss provision to net charge-offs | 69.7674% | 1,917 |
| Earnings coverage of net charge-offs (x) | 15.1395% | 1,636 |
| Efficiency ratio | 74.5902% | 2,717 |
| Assets per employee ($millions) | 3.9654% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6811% | 416 |
| Loan loss allowance to noncurrent loans | 53.7241% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 3.8624% | 397 |
| Noncurrent loans to loans | 4.9904% | 268 |
| Net loans and leases to total assets | 58.9980% | 3,798 |
| Net loans and leases to deposits | 70.8100% | 3,662 |
| Net loans and leases to core deposits | 77.2710% | 3,454 |
| Total domestic deposits to total assets | 83.3187% | 4,075 |
| Equity capital to assets | 14.0204% | 979 |
| Core capital (leverage) ratio | 12.6724% | 1,280 |
| Tier 1 risk-based capital ratio | 20.5269% | 1,522 |
| Total risk-based capital ratio | 23.2415% | 1,229 |
| Memoranda: | ||
| Average total assets | $122,114,500 | 4,142 |
| Average earning assets | $102,843,500 | 4,328 |
| Average equity | $16,949,500 | 3,597 |
| Average total loans | $74,696,000 | 4,056 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1351% | 590 |
| Cost of funding earning assets | 0.7481% | 857 |
| Net interest margin | 4.3870% | 902 |
| Noninterest income to average assets | 3.4213% | 166 |
| Noninterest expense to average assets | 4.8869% | 335 |
| Loan and lease loss provision to assets | 0.3164% | 634 |
| Net operating income to assets | 1.4886% | 899 |
| Return on assets (ROA) | 1.5086% | 900 |
| Pretax return on assets | 2.0452% | 472 |
| Return on Equity (ROE) | 11.1171% | 1,689 |
| Retained earnings to average equity (ytd only) | 6.4414% | 1,685 |
| Net charge-offs to loans | 0.2082% | 2,006 |
| Credit loss provision to net charge-offs | 241.9355% | 1,052 |
| Earnings coverage of net charge-offs (x) | 17.8516% | 1,889 |
| Efficiency ratio | 67.6715% | 3,948 |
| Assets per employee ($millions) | 3.9129% | 4,130 |
| Cash dividends to net income (ytd only)* | 42.0582% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6860% | 430 |
| Loan loss allowance to noncurrent loans | 115.3758% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 2.2679% | 1,060 |
| Noncurrent loans to loans | 2.3281% | 1,118 |
| Net loans and leases to total assets | 60.0638% | 3,786 |
| Net loans and leases to deposits | 72.2726% | 3,645 |
| Net loans and leases to core deposits | 78.9831% | 3,412 |
| Total domestic deposits to total assets | 83.1073% | 4,039 |
| Equity capital to assets | 13.7377% | 1,053 |
| Core capital (leverage) ratio | 9.8740% | 3,745 |
| Tier 1 risk-based capital ratio | 13.8267% | 4,225 |
| Total risk-based capital ratio | 15.0920% | 4,144 |
| Memoranda: | ||
| Average total assets | $118,522,000 | 4,215 |
| Average earning assets | $102,666,200 | 4,335 |
| Average equity | $16,083,400 | 3,654 |
| Average total loans | $74,464,600 | 4,042 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1406% | 591 |
| Cost of funding earning assets | 0.7553% | 872 |
| Net interest margin | 4.3852% | 902 |
| Noninterest income to average assets | 2.1409% | 308 |
| Noninterest expense to average assets | 4.3113% | 551 |
| Loan and lease loss provision to assets | 0.4243% | 385 |
| Net operating income to assets | 0.9697% | 2,597 |
| Return on assets (ROA) | 0.9992% | 2,517 |
| Pretax return on assets | 1.2662% | 2,509 |
| Return on Equity (ROE) | 7.3866% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.3866% | 1,630 |
| Net charge-offs to loans | 0.1327% | 2,467 |
| Credit loss provision to net charge-offs | 506.7568% | 563 |
| Earnings coverage of net charge-offs (x) | 19.7441% | 1,768 |
| Efficiency ratio | 72.2823% | 3,129 |
| Assets per employee ($millions) | 3.8890% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7797% | 448 |
| Loan loss allowance to noncurrent loans | 114.0054% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 2.5440% | 1,020 |
| Noncurrent loans to loans | 2.4382% | 1,217 |
| Net loans and leases to total assets | 60.6919% | 3,676 |
| Net loans and leases to deposits | 72.9720% | 3,568 |
| Net loans and leases to core deposits | 79.4107% | 3,387 |
| Total domestic deposits to total assets | 83.1716% | 4,073 |
| Equity capital to assets | 13.6955% | 1,112 |
| Core capital (leverage) ratio | 9.6488% | 4,153 |
| Tier 1 risk-based capital ratio | 13.2995% | 4,672 |
| Total risk-based capital ratio | 14.5645% | 4,600 |
| Memoranda: | ||
| Average total assets | $117,827,250 | 4,264 |
| Average earning assets | $102,736,000 | 4,372 |
| Average equity | $15,938,250 | 3,697 |
| Average total loans | $74,363,500 | 4,073 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1146% | 603 |
| Cost of funding earning assets | 0.7535% | 906 |
| Net interest margin | 4.3612% | 922 |
| Noninterest income to average assets | 0.4259% | 4,048 |
| Noninterest expense to average assets | 2.8841% | 3,224 |
| Loan and lease loss provision to assets | 0.5132% | 287 |
| Net operating income to assets | 0.7206% | 3,731 |
| Return on assets (ROA) | 0.7681% | 3,578 |
| Pretax return on assets | 0.9169% | 3,819 |
| Return on Equity (ROE) | 5.7026% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.7026% | 2,514 |
| Net charge-offs to loans | 0.0945% | 2,726 |
| Credit loss provision to net charge-offs | 857.1429% | 382 |
| Earnings coverage of net charge-offs (x) | 22.9429% | 1,487 |
| Efficiency ratio | 67.7380% | 4,050 |
| Assets per employee ($millions) | 3.6588% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7578% | 494 |
| Loan loss allowance to noncurrent loans | 111.5572% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 2.6033% | 1,049 |
| Noncurrent loans to loans | 2.4721% | 1,260 |
| Net loans and leases to total assets | 61.9181% | 3,423 |
| Net loans and leases to deposits | 76.0384% | 3,054 |
| Net loans and leases to core deposits | 82.4135% | 2,923 |
| Total domestic deposits to total assets | 81.4301% | 4,831 |
| Equity capital to assets | 13.7135% | 1,076 |
| Core capital (leverage) ratio | 13.2529% | 1,061 |
| Tier 1 risk-based capital ratio | 18.2201% | 2,161 |
| Total risk-based capital ratio | 19.4853% | 2,118 |
| Memoranda: | ||
| Average total assets | $116,917,000 | 4,305 |
| Average earning assets | $102,725,000 | 4,398 |
| Average equity | $15,747,330 | 3,733 |
| Average total loans | $74,064,330 | 4,100 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0651% | 634 |
| Cost of funding earning assets | 0.7491% | 977 |
| Net interest margin | 4.3160% | 969 |
| Noninterest income to average assets | 0.4245% | 3,990 |
| Noninterest expense to average assets | 2.8861% | 3,266 |
| Loan and lease loss provision to assets | 0.5135% | 283 |
| Net operating income to assets | 0.6890% | 3,747 |
| Return on assets (ROA) | 0.7600% | 3,444 |
| Pretax return on assets | 0.9175% | 3,636 |
| Return on Equity (ROE) | 5.6949% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.6949% | 2,692 |
| Net charge-offs to loans | 0.1246% | 1,971 |
| Credit loss provision to net charge-offs | 652.1739% | 436 |
| Earnings coverage of net charge-offs (x) | 17.0870% | 1,472 |
| Efficiency ratio | 68.2039% | 4,147 |
| Assets per employee ($millions) | 3.7876% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6118% | 706 |
| Loan loss allowance to noncurrent loans | 84.7173% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 2.7594% | 1,089 |
| Noncurrent loans to loans | 3.0830% | 1,021 |
| Net loans and leases to total assets | 60.9096% | 3,414 |
| Net loans and leases to deposits | 73.7928% | 3,097 |
| Net loans and leases to core deposits | 80.7718% | 2,879 |
| Total domestic deposits to total assets | 82.5414% | 4,773 |
| Equity capital to assets | 13.3961% | 1,141 |
| Core capital (leverage) ratio | 12.9835% | 1,170 |
| Tier 1 risk-based capital ratio | 18.3540% | 2,163 |
| Total risk-based capital ratio | 19.6173% | 2,126 |
| Memoranda: | ||
| Average total assets | $116,834,500 | 4,341 |
| Average earning assets | $103,057,500 | 4,427 |
| Average equity | $15,593,000 | 3,767 |
| Average total loans | $73,821,000 | 4,139 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 587 |
| Cost of funding earning assets | 0.8468% | 961 |
| Net interest margin | 4.3953% | 918 |
| Noninterest income to average assets | 0.6044% | 3,070 |
| Noninterest expense to average assets | 2.8352% | 3,596 |
| Loan and lease loss provision to assets | 0.5136% | 538 |
| Net operating income to assets | 0.9285% | 2,651 |
| Return on assets (ROA) | 0.9502% | 2,637 |
| Pretax return on assets | 1.1565% | 2,744 |
| Return on Equity (ROE) | 7.1432% | 3,492 |
| Retained earnings to average equity (ytd only) | 3.9256% | 3,413 |
| Net charge-offs to loans | 0.3489% | 1,938 |
| Credit loss provision to net charge-offs | 233.4630% | 983 |
| Earnings coverage of net charge-offs (x) | 7.4708% | 2,840 |
| Efficiency ratio | 63.3028% | 5,009 |
| Assets per employee ($millions) | 3.7501% | 4,367 |
| Cash dividends to net income (ytd only)* | 45.0450% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4135% | 915 |
| Loan loss allowance to noncurrent loans | 69.5264% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 2.9556% | 1,080 |
| Noncurrent loans to loans | 3.4714% | 912 |
| Net loans and leases to total assets | 62.2912% | 3,318 |
| Net loans and leases to deposits | 76.2675% | 2,937 |
| Net loans and leases to core deposits | 82.9602% | 2,778 |
| Total domestic deposits to total assets | 81.6746% | 4,982 |
| Equity capital to assets | 13.2959% | 1,145 |
| Core capital (leverage) ratio | 12.6634% | 1,278 |
| Tier 1 risk-based capital ratio | 18.6751% | 2,022 |
| Total risk-based capital ratio | 19.9370% | 1,980 |
| Memoranda: | ||
| Average total assets | $116,815,200 | 4,342 |
| Average earning assets | $102,972,600 | 4,439 |
| Average equity | $15,539,200 | 3,777 |
| Average total loans | $73,651,000 | 4,144 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2901% | 539 |
| Cost of funding earning assets | 0.8620% | 982 |
| Net interest margin | 4.4281% | 843 |
| Noninterest income to average assets | 0.6088% | 3,093 |
| Noninterest expense to average assets | 2.8010% | 3,664 |
| Loan and lease loss provision to assets | 0.5130% | 529 |
| Net operating income to assets | 0.9600% | 2,538 |
| Return on assets (ROA) | 0.9701% | 2,601 |
| Pretax return on assets | 1.1959% | 2,712 |
| Return on Equity (ROE) | 7.2921% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.2921% | 1,743 |
| Net charge-offs to loans | 0.2503% | 2,315 |
| Credit loss provision to net charge-offs | 326.0870% | 788 |
| Earnings coverage of net charge-offs (x) | 10.7823% | 2,318 |
| Efficiency ratio | 62.2814% | 5,099 |
| Assets per employee ($millions) | 3.8221% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3828% | 1,067 |
| Loan loss allowance to noncurrent loans | 75.8948% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 2.7303% | 1,376 |
| Noncurrent loans to loans | 3.1396% | 1,258 |
| Net loans and leases to total assets | 60.8538% | 3,549 |
| Net loans and leases to deposits | 74.3833% | 3,178 |
| Net loans and leases to core deposits | 80.9926% | 3,006 |
| Total domestic deposits to total assets | 81.8110% | 4,993 |
| Equity capital to assets | 13.2786% | 1,208 |
| Core capital (leverage) ratio | 12.9543% | 1,226 |
| Tier 1 risk-based capital ratio | 18.5567% | 2,123 |
| Total risk-based capital ratio | 19.8176% | 2,090 |
| Memoranda: | ||
| Average total assets | $116,955,500 | 4,381 |
| Average earning assets | $102,704,750 | 4,485 |
| Average equity | $15,559,750 | 3,818 |
| Average total loans | $73,512,000 | 4,179 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3678% | 468 |
| Cost of funding earning assets | 0.8924% | 936 |
| Net interest margin | 4.4755% | 743 |
| Noninterest income to average assets | 0.6630% | 2,838 |
| Noninterest expense to average assets | 2.8356% | 3,561 |
| Loan and lease loss provision to assets | 0.5153% | 517 |
| Net operating income to assets | 0.9998% | 2,329 |
| Return on assets (ROA) | 1.0082% | 2,431 |
| Pretax return on assets | 1.2504% | 2,481 |
| Return on Equity (ROE) | 7.5732% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.5732% | 1,638 |
| Net charge-offs to loans | 0.1226% | 3,146 |
| Credit loss provision to net charge-offs | 666.6667% | 440 |
| Earnings coverage of net charge-offs (x) | 22.7111% | 1,356 |
| Efficiency ratio | 61.7658% | 5,207 |
| Assets per employee ($millions) | 3.5879% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3126% | 1,241 |
| Loan loss allowance to noncurrent loans | 60.8214% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 2.9369% | 1,387 |
| Noncurrent loans to loans | 3.8023% | 1,070 |
| Net loans and leases to total assets | 62.6553% | 3,166 |
| Net loans and leases to deposits | 77.7479% | 2,599 |
| Net loans and leases to core deposits | 84.1831% | 2,534 |
| Total domestic deposits to total assets | 80.5877% | 5,451 |
| Equity capital to assets | 13.5288% | 1,119 |
| Core capital (leverage) ratio | 13.0716% | 1,135 |
| Tier 1 risk-based capital ratio | 18.5253% | 2,131 |
| Total risk-based capital ratio | 19.7864% | 2,090 |
| Memoranda: | ||
| Average total assets | $116,446,000 | 4,432 |
| Average earning assets | $102,201,330 | 4,515 |
| Average equity | $15,502,000 | 3,856 |
| Average total loans | $73,395,330 | 4,197 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3814% | 445 |
| Cost of funding earning assets | 0.9403% | 817 |
| Net interest margin | 4.4411% | 749 |
| Noninterest income to average assets | 0.7232% | 2,465 |
| Noninterest expense to average assets | 2.8517% | 3,536 |
| Loan and lease loss provision to assets | 0.5117% | 523 |
| Net operating income to assets | 1.0131% | 2,171 |
| Return on assets (ROA) | 1.0131% | 2,286 |
| Pretax return on assets | 1.2587% | 2,376 |
| Return on Equity (ROE) | 7.6712% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.6712% | 1,867 |
| Net charge-offs to loans | 0.0382% | 3,490 |
| Credit loss provision to net charge-offs | 2,142.8571% | 158 |
| Earnings coverage of net charge-offs (x) | 74.1429% | 499 |
| Efficiency ratio | 61.6974% | 5,345 |
| Assets per employee ($millions) | 3.7235% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1637% | 1,659 |
| Loan loss allowance to noncurrent loans | 77.1955% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 2.3998% | 1,935 |
| Noncurrent loans to loans | 2.8028% | 1,807 |
| Net loans and leases to total assets | 62.3263% | 2,996 |
| Net loans and leases to deposits | 77.4269% | 2,429 |
| Net loans and leases to core deposits | 84.3677% | 2,285 |
| Total domestic deposits to total assets | 80.4969% | 5,635 |
| Equity capital to assets | 13.5426% | 1,198 |
| Core capital (leverage) ratio | 12.4937% | 1,341 |
| Tier 1 risk-based capital ratio | 18.2895% | 2,262 |
| Total risk-based capital ratio | 19.5493% | 2,223 |
| Memoranda: | ||
| Average total assets | $117,262,000 | 4,459 |
| Average earning assets | $102,947,500 | 4,543 |
| Average equity | $15,486,500 | 3,909 |
| Average total loans | $73,273,000 | 4,227 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4952% | 628 |
| Cost of funding earning assets | 1.1852% | 625 |
| Net interest margin | 4.3100% | 1,384 |
| Noninterest income to average assets | 0.5974% | 3,291 |
| Noninterest expense to average assets | 2.6912% | 4,426 |
| Loan and lease loss provision to assets | 0.4999% | 1,191 |
| Net operating income to assets | 0.9418% | 2,591 |
| Return on assets (ROA) | 0.9432% | 2,835 |
| Pretax return on assets | 1.1831% | 2,854 |
| Return on Equity (ROE) | 7.3030% | 3,463 |
| Retained earnings to average equity (ytd only) | 0.3161% | 5,698 |
| Net charge-offs to loans | 0.4519% | 2,425 |
| Credit loss provision to net charge-offs | 181.8182% | 1,447 |
| Earnings coverage of net charge-offs (x) | 6.1152% | 2,872 |
| Efficiency ratio | 61.5473% | 5,306 |
| Assets per employee ($millions) | 3.9699% | 4,010 |
| Cash dividends to net income (ytd only)* | 95.6714% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9832% | 2,059 |
| Loan loss allowance to noncurrent loans | 48.0106% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 3.1277% | 1,502 |
| Noncurrent loans to loans | 4.1308% | 1,113 |
| Net loans and leases to total assets | 60.0902% | 3,590 |
| Net loans and leases to deposits | 78.7684% | 2,428 |
| Net loans and leases to core deposits | 86.1513% | 2,300 |
| Total domestic deposits to total assets | 76.2872% | 6,324 |
| Equity capital to assets | 12.8812% | 1,501 |
| Core capital (leverage) ratio | 11.8609% | 1,636 |
| Tier 1 risk-based capital ratio | 17.5990% | 2,415 |
| Total risk-based capital ratio | 18.8550% | 2,380 |
| Memoranda: | ||
| Average total assets | $120,019,400 | 4,363 |
| Average earning assets | $105,127,800 | 4,467 |
| Average equity | $15,500,400 | 3,858 |
| Average total loans | $73,026,200 | 4,235 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 687 |
| Cost of funding earning assets | 1.1970% | 700 |
| Net interest margin | 4.2956% | 1,478 |
| Noninterest income to average assets | 0.4557% | 4,243 |
| Noninterest expense to average assets | 2.6455% | 4,586 |
| Loan and lease loss provision to assets | 0.4990% | 1,228 |
| Net operating income to assets | 0.8573% | 3,181 |
| Return on assets (ROA) | 0.8582% | 3,425 |
| Pretax return on assets | 1.0844% | 3,408 |
| Return on Equity (ROE) | 6.6406% | 3,995 |
| Retained earnings to average equity (ytd only) | 1.0639% | 5,743 |
| Net charge-offs to loans | 0.4929% | 2,136 |
| Credit loss provision to net charge-offs | 166.6667% | 1,665 |
| Earnings coverage of net charge-offs (x) | 5.2852% | 3,058 |
| Efficiency ratio | 62.5754% | 5,060 |
| Assets per employee ($millions) | 4.0682% | 3,739 |
| Cash dividends to net income (ytd only)* | 83.9802% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8500% | 2,644 |
| Loan loss allowance to noncurrent loans | 46.2377% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 3.0357% | 1,718 |
| Noncurrent loans to loans | 4.0010% | 1,279 |
| Net loans and leases to total assets | 59.0330% | 3,958 |
| Net loans and leases to deposits | 76.9686% | 2,823 |
| Net loans and leases to core deposits | 83.9975% | 2,699 |
| Total domestic deposits to total assets | 76.6975% | 6,282 |
| Equity capital to assets | 12.7131% | 1,760 |
| Core capital (leverage) ratio | 11.7608% | 1,801 |
| Tier 1 risk-based capital ratio | 17.6250% | 2,485 |
| Total risk-based capital ratio | 18.8800% | 2,456 |
| Memoranda: | ||
| Average total assets | $120,250,250 | 4,394 |
| Average earning assets | $105,594,750 | 4,497 |
| Average equity | $15,540,250 | 3,891 |
| Average total loans | $73,029,500 | 4,293 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5381% | 666 |
| Cost of funding earning assets | 1.2161% | 764 |
| Net interest margin | 4.3220% | 1,420 |
| Noninterest income to average assets | 0.4028% | 4,631 |
| Noninterest expense to average assets | 2.6962% | 4,446 |
| Loan and lease loss provision to assets | 0.5015% | 1,267 |
| Net operating income to assets | 0.8828% | 2,990 |
| Return on assets (ROA) | 0.8842% | 3,241 |
| Pretax return on assets | 1.0029% | 3,701 |
| Return on Equity (ROE) | 6.8046% | 3,880 |
| Retained earnings to average equity (ytd only) | 4.5664% | 3,565 |
| Net charge-offs to loans | 0.6035% | 1,809 |
| Credit loss provision to net charge-offs | 136.3636% | 2,014 |
| Earnings coverage of net charge-offs (x) | 4.0864% | 3,180 |
| Efficiency ratio | 64.2118% | 4,861 |
| Assets per employee ($millions) | 4.1030% | 3,659 |
| Cash dividends to net income (ytd only)* | 32.8922% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 3,001 |
| Loan loss allowance to noncurrent loans | 38.7315% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 3.3239% | 1,623 |
| Noncurrent loans to loans | 4.5343% | 1,163 |
| Net loans and leases to total assets | 59.1448% | 3,963 |
| Net loans and leases to deposits | 77.8026% | 2,703 |
| Net loans and leases to core deposits | 84.8186% | 2,587 |
| Total domestic deposits to total assets | 76.0190% | 6,454 |
| Equity capital to assets | 13.2150% | 1,425 |
| Core capital (leverage) ratio | 12.2847% | 1,452 |
| Tier 1 risk-based capital ratio | 18.6220% | 2,096 |
| Total risk-based capital ratio | 19.8758% | 2,048 |
| Memoranda: | ||
| Average total assets | $119,651,330 | 4,430 |
| Average earning assets | $105,090,000 | 4,533 |
| Average equity | $15,548,330 | 3,876 |
| Average total loans | $72,904,000 | 4,316 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8607% | 382 |
| Cost of funding earning assets | 1.2237% | 879 |
| Net interest margin | 4.6370% | 767 |
| Noninterest income to average assets | 0.1667% | 6,389 |
| Noninterest expense to average assets | 2.6770% | 4,521 |
| Loan and lease loss provision to assets | 0.5001% | 1,216 |
| Net operating income to assets | 0.9601% | 2,638 |
| Return on assets (ROA) | 0.9601% | 2,841 |
| Pretax return on assets | 1.0701% | 3,432 |
| Return on Equity (ROE) | 7.4512% | 3,530 |
| Retained earnings to average equity (ytd only) | 7.4512% | 2,201 |
| Net charge-offs to loans | 0.8703% | 1,180 |
| Credit loss provision to net charge-offs | 93.7500% | 2,477 |
| Earnings coverage of net charge-offs (x) | 2.9438% | 3,007 |
| Efficiency ratio | 63.0298% | 5,099 |
| Assets per employee ($millions) | 4.0057% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 3,748 |
| Loan loss allowance to noncurrent loans | 40.0137% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 3.2037% | 1,808 |
| Noncurrent loans to loans | 3.9850% | 1,540 |
| Net loans and leases to total assets | 59.9815% | 3,673 |
| Net loans and leases to deposits | 78.5598% | 2,407 |
| Net loans and leases to core deposits | 86.5287% | 2,227 |
| Total domestic deposits to total assets | 76.3514% | 6,506 |
| Equity capital to assets | 12.9481% | 1,460 |
| Core capital (leverage) ratio | 12.1741% | 1,493 |
| Tier 1 risk-based capital ratio | 18.6226% | 2,102 |
| Total risk-based capital ratio | 19.8757% | 2,070 |
| Memoranda: | ||
| Average total assets | $119,984,000 | 4,452 |
| Average earning assets | $105,585,500 | 4,555 |
| Average equity | $15,460,500 | 3,900 |
| Average total loans | $73,540,000 | 4,329 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8306% | 602 |
| Cost of funding earning assets | 1.3673% | 1,173 |
| Net interest margin | 4.4633% | 1,223 |
| Noninterest income to average assets | 0.3681% | 4,878 |
| Noninterest expense to average assets | 2.8303% | 4,234 |
| Loan and lease loss provision to assets | 0.4516% | 2,339 |
| Net operating income to assets | 0.9287% | 2,489 |
| Return on assets (ROA) | 0.9380% | 2,578 |
| Pretax return on assets | 1.0318% | 3,117 |
| Return on Equity (ROE) | 7.3524% | 3,220 |
| Retained earnings to average equity (ytd only) | 4.5610% | 2,933 |
| Net charge-offs to loans | 0.5966% | 2,656 |
| Credit loss provision to net charge-offs | 121.2815% | 2,613 |
| Earnings coverage of net charge-offs (x) | 3.9565% | 3,323 |
| Efficiency ratio | 65.7692% | 4,822 |
| Assets per employee ($millions) | 3.9932% | 3,871 |
| Cash dividends to net income (ytd only)* | 37.9655% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 3,606 |
| Loan loss allowance to noncurrent loans | 44.7909% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 3.2213% | 1,854 |
| Noncurrent loans to loans | 3.5622% | 1,797 |
| Net loans and leases to total assets | 60.6473% | 3,859 |
| Net loans and leases to deposits | 80.2698% | 2,473 |
| Net loans and leases to core deposits | 88.5710% | 2,311 |
| Total domestic deposits to total assets | 75.5543% | 6,537 |
| Equity capital to assets | 12.8226% | 1,586 |
| Core capital (leverage) ratio | 11.9481% | 1,623 |
| Tier 1 risk-based capital ratio | 17.9900% | 2,189 |
| Total risk-based capital ratio | 19.2429% | 2,167 |
| Memoranda: | ||
| Average total assets | $117,373,000 | 4,473 |
| Average earning assets | $103,488,400 | 4,553 |
| Average equity | $14,974,800 | 3,911 |
| Average total loans | $73,248,600 | 4,373 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8190% | 678 |
| Cost of funding earning assets | 1.3937% | 1,258 |
| Net interest margin | 4.4253% | 1,329 |
| Noninterest income to average assets | 0.3072% | 5,402 |
| Noninterest expense to average assets | 2.8318% | 4,228 |
| Loan and lease loss provision to assets | 0.4111% | 2,409 |
| Net operating income to assets | 0.8884% | 2,782 |
| Return on assets (ROA) | 0.9009% | 2,879 |
| Pretax return on assets | 0.9900% | 3,438 |
| Return on Equity (ROE) | 7.0705% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.0705% | 1,932 |
| Net charge-offs to loans | 0.3848% | 3,195 |
| Credit loss provision to net charge-offs | 170.6161% | 1,768 |
| Earnings coverage of net charge-offs (x) | 5.7582% | 2,702 |
| Efficiency ratio | 67.1177% | 4,500 |
| Assets per employee ($millions) | 3.9016% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 3,344 |
| Loan loss allowance to noncurrent loans | 44.8727% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 3.2534% | 1,953 |
| Noncurrent loans to loans | 3.7418% | 1,817 |
| Net loans and leases to total assets | 59.7432% | 4,177 |
| Net loans and leases to deposits | 78.8744% | 2,833 |
| Net loans and leases to core deposits | 86.9576% | 2,644 |
| Total domestic deposits to total assets | 75.7447% | 6,557 |
| Equity capital to assets | 12.7936% | 1,722 |
| Core capital (leverage) ratio | 12.0368% | 1,684 |
| Tier 1 risk-based capital ratio | 18.2078% | 2,185 |
| Total risk-based capital ratio | 19.4614% | 2,149 |
| Memoranda: | ||
| Average total assets | $116,767,250 | 4,515 |
| Average earning assets | $103,222,500 | 4,593 |
| Average equity | $14,878,250 | 3,941 |
| Average total loans | $73,103,000 | 4,414 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8105% | 708 |
| Cost of funding earning assets | 1.4158% | 1,347 |
| Net interest margin | 4.3947% | 1,385 |
| Noninterest income to average assets | 0.4160% | 4,547 |
| Noninterest expense to average assets | 2.9123% | 3,975 |
| Loan and lease loss provision to assets | 0.4160% | 2,349 |
| Net operating income to assets | 0.9258% | 2,533 |
| Return on assets (ROA) | 0.9448% | 2,550 |
| Pretax return on assets | 1.0418% | 3,069 |
| Return on Equity (ROE) | 7.4252% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.4252% | 1,687 |
| Net charge-offs to loans | 0.4084% | 2,917 |
| Credit loss provision to net charge-offs | 161.0738% | 1,881 |
| Earnings coverage of net charge-offs (x) | 5.5638% | 2,585 |
| Efficiency ratio | 66.9589% | 4,706 |
| Assets per employee ($millions) | 3.8325% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 3,634 |
| Loan loss allowance to noncurrent loans | 36.6698% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 3.7695% | 1,729 |
| Noncurrent loans to loans | 4.4078% | 1,525 |
| Net loans and leases to total assets | 62.2573% | 3,838 |
| Net loans and leases to deposits | 83.2057% | 2,233 |
| Net loans and leases to core deposits | 91.6542% | 2,176 |
| Total domestic deposits to total assets | 74.8234% | 6,753 |
| Equity capital to assets | 13.0888% | 1,479 |
| Core capital (leverage) ratio | 12.2435% | 1,482 |
| Tier 1 risk-based capital ratio | 18.3664% | 2,056 |
| Total risk-based capital ratio | 19.6201% | 2,003 |
| Memoranda: | ||
| Average total assets | $115,372,670 | 4,576 |
| Average earning assets | $103,261,330 | 4,621 |
| Average equity | $14,679,670 | 3,964 |
| Average total loans | $72,972,670 | 4,461 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6897% | 898 |
| Cost of funding earning assets | 1.3851% | 1,693 |
| Net interest margin | 4.3046% | 1,551 |
| Noninterest income to average assets | 0.4119% | 4,607 |
| Noninterest expense to average assets | 2.8831% | 4,135 |
| Loan and lease loss provision to assets | 0.4153% | 2,111 |
| Net operating income to assets | 0.9110% | 2,508 |
| Return on assets (ROA) | 0.9483% | 2,430 |
| Pretax return on assets | 1.0487% | 2,951 |
| Return on Equity (ROE) | 7.5612% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.5612% | 1,915 |
| Net charge-offs to loans | 0.4543% | 2,333 |
| Credit loss provision to net charge-offs | 144.5783% | 1,959 |
| Earnings coverage of net charge-offs (x) | 4.9518% | 2,362 |
| Efficiency ratio | 66.9614% | 4,857 |
| Assets per employee ($millions) | 3.7474% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 3,989 |
| Loan loss allowance to noncurrent loans | 40.0857% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 3.4131% | 1,996 |
| Noncurrent loans to loans | 3.8529% | 1,907 |
| Net loans and leases to total assets | 61.5684% | 3,954 |
| Net loans and leases to deposits | 81.5786% | 2,431 |
| Net loans and leases to core deposits | 88.7846% | 2,506 |
| Total domestic deposits to total assets | 75.4713% | 6,742 |
| Equity capital to assets | 12.6022% | 1,570 |
| Core capital (leverage) ratio | 12.0814% | 1,518 |
| Tier 1 risk-based capital ratio | 17.8681% | 2,159 |
| Total risk-based capital ratio | 19.1208% | 2,130 |
| Memoranda: | ||
| Average total assets | $115,571,000 | 4,604 |
| Average earning assets | $104,539,000 | 4,625 |
| Average equity | $14,495,000 | 3,992 |
| Average total loans | $73,080,500 | 4,509 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0980% | 702 |
| Cost of funding earning assets | 1.6223% | 1,942 |
| Net interest margin | 4.4757% | 1,282 |
| Noninterest income to average assets | 0.2711% | 5,844 |
| Noninterest expense to average assets | 2.9085% | 4,191 |
| Loan and lease loss provision to assets | 0.3498% | 4,029 |
| Net operating income to assets | 0.9624% | 2,158 |
| Return on assets (ROA) | 0.9672% | 2,261 |
| Pretax return on assets | 1.0494% | 2,777 |
| Return on Equity (ROE) | 7.8369% | 2,762 |
| Retained earnings to average equity (ytd only) | 5.3498% | 2,224 |
| Net charge-offs to loans | 0.5099% | 3,577 |
| Credit loss provision to net charge-offs | 106.1008% | 4,218 |
| Earnings coverage of net charge-offs (x) | 4.2281% | 3,008 |
| Efficiency ratio | 67.6016% | 4,644 |
| Assets per employee ($millions) | 3.7088% | 4,441 |
| Cash dividends to net income (ytd only)* | 31.7360% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 4,144 |
| Loan loss allowance to noncurrent loans | 49.1618% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 2.8624% | 2,445 |
| Noncurrent loans to loans | 3.0021% | 2,548 |
| Net loans and leases to total assets | 62.9979% | 4,072 |
| Net loans and leases to deposits | 83.3832% | 2,557 |
| Net loans and leases to core deposits | 91.3448% | 2,569 |
| Total domestic deposits to total assets | 75.5523% | 6,693 |
| Equity capital to assets | 12.4813% | 1,643 |
| Core capital (leverage) ratio | 11.7823% | 1,683 |
| Tier 1 risk-based capital ratio | 17.5809% | 2,142 |
| Total risk-based capital ratio | 18.8333% | 2,108 |
| Memoranda: | ||
| Average total assets | $114,353,400 | 4,603 |
| Average earning assets | $103,001,600 | 4,642 |
| Average equity | $14,112,800 | 4,117 |
| Average total loans | $73,932,400 | 4,530 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0958% | 768 |
| Cost of funding earning assets | 1.6677% | 2,019 |
| Net interest margin | 4.4281% | 1,434 |
| Noninterest income to average assets | 0.1494% | 6,795 |
| Noninterest expense to average assets | 2.8826% | 4,157 |
| Loan and lease loss provision to assets | 0.3503% | 3,811 |
| Net operating income to assets | 0.8595% | 2,782 |
| Return on assets (ROA) | 0.8628% | 2,902 |
| Pretax return on assets | 0.9037% | 3,542 |
| Return on Equity (ROE) | 7.0111% | 3,343 |
| Retained earnings to average equity (ytd only) | 6.7644% | 1,962 |
| Net charge-offs to loans | 0.4700% | 3,398 |
| Credit loss provision to net charge-offs | 114.9425% | 3,635 |
| Earnings coverage of net charge-offs (x) | 4.1035% | 3,190 |
| Efficiency ratio | 69.7458% | 4,122 |
| Assets per employee ($millions) | 3.7862% | 4,303 |
| Cash dividends to net income (ytd only)* | 3.5187% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 3,978 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 2.9309% | 2,476 |
| Noncurrent loans to loans | 2.9947% | 2,665 |
| Net loans and leases to total assets | 61.7103% | 4,590 |
| Net loans and leases to deposits | 81.4745% | 3,190 |
| Net loans and leases to core deposits | 89.4916% | 3,167 |
| Total domestic deposits to total assets | 75.7419% | 6,700 |
| Equity capital to assets | 12.4486% | 1,882 |
| Core capital (leverage) ratio | 11.5363% | 1,919 |
| Tier 1 risk-based capital ratio | 17.5347% | 2,165 |
| Total risk-based capital ratio | 18.7865% | 2,133 |
| Memoranda: | ||
| Average total assets | $114,198,750 | 4,669 |
| Average earning assets | $102,734,750 | 4,701 |
| Average equity | $14,053,500 | 4,187 |
| Average total loans | $74,036,750 | 4,601 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1802% | 647 |
| Cost of funding earning assets | 1.7349% | 1,944 |
| Net interest margin | 4.4453% | 1,333 |
| Noninterest income to average assets | 0.1520% | 6,800 |
| Noninterest expense to average assets | 2.9220% | 3,996 |
| Loan and lease loss provision to assets | 0.3535% | 3,599 |
| Net operating income to assets | 0.8415% | 2,771 |
| Return on assets (ROA) | 0.8432% | 2,918 |
| Pretax return on assets | 0.8732% | 3,605 |
| Return on Equity (ROE) | 6.8793% | 3,359 |
| Retained earnings to average equity (ytd only) | 6.7351% | 1,954 |
| Net charge-offs to loans | 0.3207% | 3,719 |
| Credit loss provision to net charge-offs | 168.0672% | 2,336 |
| Earnings coverage of net charge-offs (x) | 5.8235% | 2,588 |
| Efficiency ratio | 70.4604% | 4,098 |
| Assets per employee ($millions) | 3.8122% | 4,196 |
| Cash dividends to net income (ytd only)* | 2.0964% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,798 |
| Loan loss allowance to noncurrent loans | 39.8119% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 3.3830% | 2,078 |
| Noncurrent loans to loans | 3.8281% | 2,011 |
| Net loans and leases to total assets | 64.5781% | 4,138 |
| Net loans and leases to deposits | 85.5052% | 2,601 |
| Net loans and leases to core deposits | 93.9023% | 2,732 |
| Total domestic deposits to total assets | 75.5253% | 6,773 |
| Equity capital to assets | 12.3698% | 1,887 |
| Core capital (leverage) ratio | 11.7058% | 1,800 |
| Tier 1 risk-based capital ratio | 17.1033% | 2,237 |
| Total risk-based capital ratio | 18.3559% | 2,191 |
| Memoranda: | ||
| Average total assets | $113,141,330 | 4,728 |
| Average earning assets | $101,680,000 | 4,756 |
| Average equity | $13,867,670 | 4,225 |
| Average total loans | $74,205,330 | 4,632 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1278% | 738 |
| Cost of funding earning assets | 1.7666% | 2,030 |
| Net interest margin | 4.3612% | 1,504 |
| Noninterest income to average assets | 0.2417% | 6,219 |
| Noninterest expense to average assets | 2.8793% | 4,138 |
| Loan and lease loss provision to assets | 0.3555% | 3,243 |
| Net operating income to assets | 0.8780% | 2,642 |
| Return on assets (ROA) | 0.8780% | 2,719 |
| Pretax return on assets | 0.9207% | 3,384 |
| Return on Equity (ROE) | 7.1970% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.1970% | 2,048 |
| Net charge-offs to loans | 0.1788% | 3,850 |
| Credit loss provision to net charge-offs | 303.0303% | 1,297 |
| Earnings coverage of net charge-offs (x) | 10.8788% | 1,702 |
| Efficiency ratio | 69.2900% | 4,449 |
| Assets per employee ($millions) | 3.7777% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 3,719 |
| Loan loss allowance to noncurrent loans | 45.5793% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 3.5366% | 1,983 |
| Noncurrent loans to loans | 3.3689% | 2,378 |
| Net loans and leases to total assets | 63.8807% | 4,356 |
| Net loans and leases to deposits | 84.4968% | 2,857 |
| Net loans and leases to core deposits | 92.5733% | 3,033 |
| Total domestic deposits to total assets | 75.6013% | 6,816 |
| Equity capital to assets | 12.2580% | 1,900 |
| Core capital (leverage) ratio | 11.5820% | 1,864 |
| Tier 1 risk-based capital ratio | 16.8923% | 2,300 |
| Total risk-based capital ratio | 18.1452% | 2,258 |
| Memoranda: | ||
| Average total assets | $112,528,500 | 4,807 |
| Average earning assets | $100,982,500 | 4,849 |
| Average equity | $13,728,000 | 4,306 |
| Average total loans | $73,808,500 | 4,724 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4844% | 694 |
| Cost of funding earning assets | 1.9888% | 3,009 |
| Net interest margin | 4.4956% | 1,190 |
| Noninterest income to average assets | 0.4033% | 5,175 |
| Noninterest expense to average assets | 2.9168% | 4,477 |
| Loan and lease loss provision to assets | 0.7524% | 2,855 |
| Net operating income to assets | 0.7763% | 2,617 |
| Return on assets (ROA) | 0.8129% | 2,565 |
| Pretax return on assets | 0.8289% | 3,157 |
| Return on Equity (ROE) | 6.9309% | 2,816 |
| Retained earnings to average equity (ytd only) | 4.8129% | 1,916 |
| Net charge-offs to loans | 0.9891% | 2,430 |
| Credit loss provision to net charge-offs | 113.1191% | 4,846 |
| Earnings coverage of net charge-offs (x) | 2.3213% | 3,988 |
| Efficiency ratio | 65.3892% | 5,519 |
| Assets per employee ($millions) | 3.7242% | 4,464 |
| Cash dividends to net income (ytd only)* | 30.5586% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 4,059 |
| Loan loss allowance to noncurrent loans | 82.0711% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 2.5518% | 2,740 |
| Noncurrent loans to loans | 1.7465% | 4,019 |
| Net loans and leases to total assets | 65.3647% | 4,307 |
| Net loans and leases to deposits | 86.4926% | 2,822 |
| Net loans and leases to core deposits | 109.6843% | 2,928 |
| Total domestic deposits to total assets | 75.5726% | 6,763 |
| Equity capital to assets | 12.1403% | 1,945 |
| Core capital (leverage) ratio | 11.4327% | 1,957 |
| Tier 1 risk-based capital ratio | 16.5411% | 2,302 |
| Total risk-based capital ratio | 17.7930% | 2,249 |
| Memoranda: | ||
| Average total assets | $112,313,800 | 4,770 |
| Average earning assets | $101,365,600 | 4,802 |
| Average equity | $13,172,800 | 4,466 |
| Average total loans | $75,526,800 | 4,669 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5086% | 730 |
| Cost of funding earning assets | 2.0249% | 3,233 |
| Net interest margin | 4.4837% | 1,233 |
| Noninterest income to average assets | 0.3735% | 5,527 |
| Noninterest expense to average assets | 2.8608% | 4,613 |
| Loan and lease loss provision to assets | 0.8240% | 2,315 |
| Net operating income to assets | 0.7311% | 3,091 |
| Return on assets (ROA) | 0.7718% | 2,987 |
| Pretax return on assets | 0.7860% | 3,587 |
| Return on Equity (ROE) | 6.6385% | 3,242 |
| Retained earnings to average equity (ytd only) | 6.6385% | 1,653 |
| Net charge-offs to loans | 1.0032% | 1,962 |
| Credit loss provision to net charge-offs | 121.7163% | 4,166 |
| Earnings coverage of net charge-offs (x) | 2.3170% | 4,090 |
| Efficiency ratio | 64.5878% | 5,639 |
| Assets per employee ($millions) | 3.7974% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 3,617 |
| Loan loss allowance to noncurrent loans | 31.7386% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 4.0282% | 1,582 |
| Noncurrent loans to loans | 4.6194% | 1,497 |
| Net loans and leases to total assets | 64.1851% | 4,827 |
| Net loans and leases to deposits | 84.0124% | 3,639 |
| Net loans and leases to core deposits | 105.6769% | 3,738 |
| Total domestic deposits to total assets | 76.3996% | 6,495 |
| Equity capital to assets | 11.9652% | 2,259 |
| Core capital (leverage) ratio | 11.1853% | 2,270 |
| Tier 1 risk-based capital ratio | 16.4538% | 2,452 |
| Total risk-based capital ratio | 17.7052% | 2,394 |
| Memoranda: | ||
| Average total assets | $112,460,500 | 4,792 |
| Average earning assets | $101,729,250 | 4,828 |
| Average equity | $13,075,000 | 4,517 |
| Average total loans | $75,885,500 | 4,701 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4564% | 906 |
| Cost of funding earning assets | 2.0705% | 3,417 |
| Net interest margin | 4.3859% | 1,437 |
| Noninterest income to average assets | 0.3983% | 5,308 |
| Noninterest expense to average assets | 2.8346% | 4,808 |
| Loan and lease loss provision to assets | 0.8484% | 1,976 |
| Net operating income to assets | 0.6740% | 3,369 |
| Return on assets (ROA) | 0.7359% | 3,213 |
| Pretax return on assets | 0.7430% | 3,856 |
| Return on Equity (ROE) | 6.3927% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.3927% | 1,846 |
| Net charge-offs to loans | 1.1407% | 1,598 |
| Credit loss provision to net charge-offs | 108.9450% | 4,245 |
| Earnings coverage of net charge-offs (x) | 1.9633% | 4,116 |
| Efficiency ratio | 64.9611% | 5,730 |
| Assets per employee ($millions) | 3.6049% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 4,085 |
| Loan loss allowance to noncurrent loans | 31.7707% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 3.6948% | 1,670 |
| Noncurrent loans to loans | 4.1950% | 1,579 |
| Net loans and leases to total assets | 66.4447% | 4,472 |
| Net loans and leases to deposits | 88.0548% | 3,161 |
| Net loans and leases to core deposits | 111.1687% | 3,237 |
| Total domestic deposits to total assets | 75.4584% | 6,668 |
| Equity capital to assets | 11.6856% | 2,397 |
| Core capital (leverage) ratio | 11.2908% | 2,204 |
| Tier 1 risk-based capital ratio | 15.4333% | 2,842 |
| Total risk-based capital ratio | 16.6663% | 2,777 |
| Memoranda: | ||
| Average total assets | $111,973,330 | 4,827 |
| Average earning assets | $101,233,000 | 4,867 |
| Average equity | $12,889,670 | 4,573 |
| Average total loans | $76,444,330 | 4,720 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3978% | 1,068 |
| Cost of funding earning assets | 2.0998% | 3,651 |
| Net interest margin | 4.2980% | 1,607 |
| Noninterest income to average assets | 0.2391% | 6,540 |
| Noninterest expense to average assets | 2.7123% | 4,943 |
| Loan and lease loss provision to assets | 0.8922% | 1,468 |
| Net operating income to assets | 0.5353% | 4,274 |
| Return on assets (ROA) | 0.6602% | 3,931 |
| Pretax return on assets | 0.6531% | 4,582 |
| Return on Equity (ROE) | 5.7790% | 4,132 |
| Retained earnings to average equity (ytd only) | 5.7790% | 2,739 |
| Net charge-offs to loans | 2.0873% | 692 |
| Credit loss provision to net charge-offs | 62.1891% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.9900% | 4,275 |
| Efficiency ratio | 65.6304% | 5,399 |
| Assets per employee ($millions) | 3.6381% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 5,773 |
| Loan loss allowance to noncurrent loans | 27.8942% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 3.1548% | 1,777 |
| Noncurrent loans to loans | 3.7871% | 1,627 |
| Net loans and leases to total assets | 67.4366% | 4,260 |
| Net loans and leases to deposits | 89.8093% | 2,962 |
| Net loans and leases to core deposits | 112.9569% | 3,110 |
| Total domestic deposits to total assets | 75.0887% | 6,693 |
| Equity capital to assets | 11.4550% | 2,618 |
| Core capital (leverage) ratio | 11.0902% | 2,437 |
| Tier 1 risk-based capital ratio | 15.0114% | 3,063 |
| Total risk-based capital ratio | 16.0000% | 3,117 |
| Memoranda: | ||
| Average total assets | $112,083,500 | 4,853 |
| Average earning assets | $101,535,000 | 4,872 |
| Average equity | $12,805,000 | 4,628 |
| Average total loans | $77,038,000 | 4,729 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0480% | 1,013 |
| Cost of funding earning assets | 2.7659% | 2,852 |
| Net interest margin | 4.2820% | 2,040 |
| Noninterest income to average assets | 0.3485% | 5,948 |
| Noninterest expense to average assets | 2.9988% | 4,085 |
| Loan and lease loss provision to assets | 0.2491% | 4,427 |
| Net operating income to assets | 1.0590% | 2,314 |
| Return on assets (ROA) | 0.6738% | 3,848 |
| Pretax return on assets | 0.5618% | 4,808 |
| Return on Equity (ROE) | 6.0666% | 3,914 |
| Retained earnings to average equity (ytd only) | 1.9119% | 4,045 |
| Net charge-offs to loans | 0.4736% | 2,465 |
| Credit loss provision to net charge-offs | 75.3388% | 5,988 |
| Earnings coverage of net charge-offs (x) | 3.6179% | 4,288 |
| Efficiency ratio | 71.4865% | 4,037 |
| Assets per employee ($millions) | 3.4808% | 4,725 |
| Cash dividends to net income (ytd only)* | 68.4840% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 4,171 |
| Loan loss allowance to noncurrent loans | 30.4940% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 3.3936% | 1,320 |
| Noncurrent loans to loans | 4.0902% | 1,192 |
| Net loans and leases to total assets | 68.4514% | 4,376 |
| Net loans and leases to deposits | 90.6342% | 3,343 |
| Net loans and leases to core deposits | 110.9872% | 3,688 |
| Total domestic deposits to total assets | 75.5250% | 6,335 |
| Equity capital to assets | 11.3936% | 2,707 |
| Core capital (leverage) ratio | 11.1349% | 2,479 |
| Tier 1 risk-based capital ratio | 14.8879% | 3,103 |
| Total risk-based capital ratio | 16.0686% | 3,056 |
| Memoranda: | ||
| Average total assets | $111,612,400 | 4,732 |
| Average earning assets | $100,255,800 | 4,797 |
| Average equity | $12,395,800 | 4,730 |
| Average total loans | $77,919,200 | 4,589 |