Home > Reliance State Bank > Performance and Condition Ratios
Reliance State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 4,094 |
| Cost of funding earning assets | 1.7137% | 1,422 |
| Net interest margin | 2.1734% | 4,335 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.4034% | 4,387 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.5634% | 3,530 |
| Return on assets (ROA) | 0.5660% | 3,513 |
| Pretax return on assets | 0.7176% | 3,400 |
| Return on Equity (ROE) | 7.6700% | 3,107 |
| Retained earnings to average equity (ytd only) | 0.6729% | 3,910 |
| Net charge-offs to loans | 0.1016% | 895 |
| Credit loss provision to net charge-offs | 180.0000% | 1,308 |
| Earnings coverage of net charge-offs (x) | 13.1211% | 2,121 |
| Efficiency ratio | 62.9734% | 2,730 |
| Assets per employee ($millions) | 9.4928% | 829 |
| Cash dividends to net income (ytd only)* | 91.2281% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 1,919 |
| Loan loss allowance to noncurrent loans | 199.7676% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 1,351 |
| Noncurrent loans to loans | 0.6359% | 1,242 |
| Net loans and leases to total assets | 63.9900% | 2,462 |
| Net loans and leases to deposits | 81.9343% | 1,952 |
| Net loans and leases to core deposits | 84.9187% | 2,382 |
| Total domestic deposits to total assets | 78.1000% | 3,715 |
| Equity capital to assets | 7.5918% | 3,663 |
| Core capital (leverage) ratio | 8.3239% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9370% | 2,603 |
| Memoranda: | ||
| Average total assets | $302,123,600 | 2,419 |
| Average earning assets | $284,478,600 | 2,388 |
| Average equity | $22,290,200 | 2,663 |
| Average total loans | $186,988,800 | 2,377 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7985% | 4,117 |
| Cost of funding earning assets | 1.5890% | 1,390 |
| Net interest margin | 2.2094% | 4,349 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.4088% | 4,388 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.6104% | 3,519 |
| Return on assets (ROA) | 0.6147% | 3,501 |
| Pretax return on assets | 0.7821% | 3,375 |
| Return on Equity (ROE) | 8.4000% | 3,089 |
| Retained earnings to average equity (ytd only) | 1.2775% | 3,892 |
| Net charge-offs to loans | 0.1144% | 696 |
| Credit loss provision to net charge-offs | 103.8217% | 1,594 |
| Earnings coverage of net charge-offs (x) | 12.2548% | 2,076 |
| Efficiency ratio | 62.1781% | 2,692 |
| Assets per employee ($millions) | 9.4332% | 802 |
| Cash dividends to net income (ytd only)* | 84.7826% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 1,927 |
| Loan loss allowance to noncurrent loans | 131.6387% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 958 |
| Noncurrent loans to loans | 0.9775% | 835 |
| Net loans and leases to total assets | 61.8600% | 2,672 |
| Net loans and leases to deposits | 78.8231% | 2,161 |
| Net loans and leases to core deposits | 81.7573% | 2,483 |
| Total domestic deposits to total assets | 78.4800% | 3,767 |
| Equity capital to assets | 6.9860% | 3,618 |
| Core capital (leverage) ratio | 8.4192% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0205% | 2,608 |
| Memoranda: | ||
| Average total assets | $299,339,250 | 2,433 |
| Average earning assets | $281,756,500 | 2,402 |
| Average equity | $21,917,250 | 2,685 |
| Average total loans | $182,979,000 | 2,419 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6482% | 4,199 |
| Cost of funding earning assets | 1.3793% | 1,506 |
| Net interest margin | 2.2689% | 4,380 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.4198% | 4,398 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.6460% | 3,472 |
| Return on assets (ROA) | 0.6466% | 3,481 |
| Pretax return on assets | 0.8241% | 3,344 |
| Return on Equity (ROE) | 8.7000% | 3,062 |
| Retained earnings to average equity (ytd only) | 1.6671% | 3,787 |
| Net charge-offs to loans | 0.1747% | 450 |
| Credit loss provision to net charge-offs | 71.5190% | 1,586 |
| Earnings coverage of net charge-offs (x) | 8.5886% | 2,053 |
| Efficiency ratio | 60.9609% | 2,850 |
| Assets per employee ($millions) | 9.5580% | 766 |
| Cash dividends to net income (ytd only)* | 80.8290% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 1,887 |
| Loan loss allowance to noncurrent loans | 136.9540% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 924 |
| Noncurrent loans to loans | 0.9566% | 793 |
| Net loans and leases to total assets | 60.5800% | 2,717 |
| Net loans and leases to deposits | 75.3976% | 2,373 |
| Net loans and leases to core deposits | 77.7101% | 2,638 |
| Total domestic deposits to total assets | 80.3500% | 3,524 |
| Equity capital to assets | 7.5724% | 3,484 |
| Core capital (leverage) ratio | 8.6098% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7370% | 2,388 |
| Memoranda: | ||
| Average total assets | $298,498,333 | 2,446 |
| Average earning assets | $281,015,333 | 2,416 |
| Average equity | $22,193,667 | 2,675 |
| Average total loans | $180,918,000 | 2,429 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 4,264 |
| Cost of funding earning assets | 1.1817% | 1,503 |
| Net interest margin | 2.3193% | 4,438 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.4486% | 4,431 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.6425% | 3,603 |
| Return on assets (ROA) | 0.6489% | 3,545 |
| Pretax return on assets | 0.8264% | 3,406 |
| Return on Equity (ROE) | 8.8100% | 3,101 |
| Retained earnings to average equity (ytd only) | 1.7398% | 3,746 |
| Net charge-offs to loans | 0.3525% | 225 |
| Credit loss provision to net charge-offs | 47.7987% | 1,305 |
| Earnings coverage of net charge-offs (x) | 4.4025% | 1,855 |
| Efficiency ratio | 60.7843% | 2,846 |
| Assets per employee ($millions) | 8.9756% | 940 |
| Cash dividends to net income (ytd only)* | 80.2469% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 1,930 |
| Loan loss allowance to noncurrent loans | 132.1127% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 849 |
| Noncurrent loans to loans | 1.0019% | 725 |
| Net loans and leases to total assets | 59.0200% | 2,768 |
| Net loans and leases to deposits | 68.0941% | 2,759 |
| Net loans and leases to core deposits | 69.7637% | 2,970 |
| Total domestic deposits to total assets | 86.6700% | 2,382 |
| Equity capital to assets | 7.7141% | 3,435 |
| Core capital (leverage) ratio | 8.5900% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9937% | 2,391 |
| Memoranda: | ||
| Average total assets | $299,598,500 | 2,475 |
| Average earning assets | $281,631,500 | 2,446 |
| Average equity | $22,072,000 | 2,712 |
| Average total loans | $180,429,500 | 2,447 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0851% | 4,017 |
| Cost of funding earning assets | 0.5632% | 1,047 |
| Net interest margin | 2.5219% | 4,266 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.4551% | 4,468 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8151% | 3,273 |
| Return on assets (ROA) | 0.8154% | 3,203 |
| Pretax return on assets | 1.0840% | 2,822 |
| Return on Equity (ROE) | 10.0400% | 2,792 |
| Retained earnings to average equity (ytd only) | 3.4769% | 3,569 |
| Net charge-offs to loans | -0.0122% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.9327% | 3,476 |
| Assets per employee ($millions) | 8.9118% | 946 |
| Cash dividends to net income (ytd only)* | 65.3814% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,522 |
| Loan loss allowance to noncurrent loans | 184.5212% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 1,107 |
| Noncurrent loans to loans | 0.7561% | 991 |
| Net loans and leases to total assets | 59.7800% | 2,650 |
| Net loans and leases to deposits | 72.1978% | 2,390 |
| Net loans and leases to core deposits | 73.5704% | 2,603 |
| Total domestic deposits to total assets | 82.8000% | 3,462 |
| Equity capital to assets | 7.0280% | 3,646 |
| Core capital (leverage) ratio | 8.5482% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3653% | 2,626 |
| Memoranda: | ||
| Average total assets | $292,623,800 | 2,488 |
| Average earning assets | $273,798,800 | 2,474 |
| Average equity | $23,757,000 | 2,651 |
| Average total loans | $164,167,800 | 2,509 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9847% | 3,911 |
| Cost of funding earning assets | 0.4047% | 1,251 |
| Net interest margin | 2.5800% | 4,128 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.4729% | 4,451 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.8818% | 2,957 |
| Return on assets (ROA) | 0.8803% | 2,936 |
| Pretax return on assets | 1.1833% | 2,434 |
| Return on Equity (ROE) | 10.4800% | 2,580 |
| Retained earnings to average equity (ytd only) | 4.0755% | 3,417 |
| Net charge-offs to loans | 0.0025% | 2,171 |
| Credit loss provision to net charge-offs | -2,833.3333% | 4,741 |
| Earnings coverage of net charge-offs (x) | 831.0000% | 195 |
| Efficiency ratio | 56.2401% | 3,604 |
| Assets per employee ($millions) | 8.3359% | 1,152 |
| Cash dividends to net income (ytd only)* | 61.0966% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,584 |
| Loan loss allowance to noncurrent loans | 174.1492% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 1,139 |
| Noncurrent loans to loans | 0.8085% | 987 |
| Net loans and leases to total assets | 57.7200% | 2,729 |
| Net loans and leases to deposits | 65.0726% | 2,787 |
| Net loans and leases to core deposits | 66.2674% | 2,939 |
| Total domestic deposits to total assets | 88.7000% | 2,212 |
| Equity capital to assets | 6.8002% | 3,617 |
| Core capital (leverage) ratio | 8.6720% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4852% | 2,269 |
| Memoranda: | ||
| Average total assets | $290,029,500 | 2,517 |
| Average earning assets | $271,152,750 | 2,508 |
| Average equity | $24,372,500 | 2,662 |
| Average total loans | $159,284,750 | 2,553 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8522% | 3,886 |
| Cost of funding earning assets | 0.2950% | 1,762 |
| Net interest margin | 2.5572% | 3,988 |
| Noninterest income to average assets | 0.2170% | 3,901 |
| Noninterest expense to average assets | 1.4752% | 4,447 |
| Loan and lease loss provision to assets | -0.0829% | 4,573 |
| Net operating income to assets | 0.8866% | 2,639 |
| Return on assets (ROA) | 0.8844% | 2,621 |
| Pretax return on assets | 1.2119% | 2,035 |
| Return on Equity (ROE) | 9.8905% | 2,373 |
| Retained earnings to average equity (ytd only) | 3.8635% | 3,138 |
| Net charge-offs to loans | -0.0064% | 3,428 |
| Credit loss provision to net charge-offs | 2,400.0000% | 215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5863% | 3,715 |
| Assets per employee ($millions) | 8.6334% | 1,011 |
| Cash dividends to net income (ytd only)* | 60.9375% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 1,400 |
| Loan loss allowance to noncurrent loans | 164.5675% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 1,123 |
| Noncurrent loans to loans | 0.9125% | 917 |
| Net loans and leases to total assets | 54.7455% | 2,881 |
| Net loans and leases to deposits | 61.2855% | 2,948 |
| Net loans and leases to core deposits | 62.7438% | 3,056 |
| Total domestic deposits to total assets | 89.3286% | 2,035 |
| Equity capital to assets | 7.9631% | 3,154 |
| Core capital (leverage) ratio | 8.5754% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9056% | 2,098 |
| Memoranda: | ||
| Average total assets | $289,454,000 | 2,538 |
| Average earning assets | $270,531,333 | 2,537 |
| Average equity | $25,883,333 | 2,637 |
| Average total loans | $155,443,333 | 2,592 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7465% | 3,847 |
| Cost of funding earning assets | 0.2623% | 2,018 |
| Net interest margin | 2.4842% | 3,932 |
| Noninterest income to average assets | 0.2427% | 3,688 |
| Noninterest expense to average assets | 1.4397% | 4,491 |
| Loan and lease loss provision to assets | -0.1645% | 4,661 |
| Net operating income to assets | 0.9884% | 1,926 |
| Return on assets (ROA) | 0.9927% | 1,903 |
| Pretax return on assets | 1.2847% | 1,555 |
| Return on Equity (ROE) | 10.5380% | 1,789 |
| Retained earnings to average equity (ytd only) | 4.8615% | 2,644 |
| Net charge-offs to loans | -0.0026% | 3,149 |
| Credit loss provision to net charge-offs | 12,000.0000% | 41 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3607% | 3,844 |
| Assets per employee ($millions) | 8.5045% | 1,117 |
| Cash dividends to net income (ytd only)* | 53.8674% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6164% | 1,225 |
| Loan loss allowance to noncurrent loans | 149.9684% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 1,126 |
| Noncurrent loans to loans | 1.0778% | 834 |
| Net loans and leases to total assets | 48.5453% | 3,328 |
| Net loans and leases to deposits | 54.6405% | 3,365 |
| Net loans and leases to core deposits | 55.8874% | 3,455 |
| Total domestic deposits to total assets | 88.8449% | 2,152 |
| Equity capital to assets | 8.4862% | 3,172 |
| Core capital (leverage) ratio | 8.6346% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9705% | 1,805 |
| Memoranda: | ||
| Average total assets | $291,730,000 | 2,540 |
| Average earning assets | $271,470,500 | 2,546 |
| Average equity | $27,481,500 | 2,635 |
| Average total loans | $153,990,500 | 2,595 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2071% | 3,456 |
| Cost of funding earning assets | 0.3371% | 2,052 |
| Net interest margin | 2.8700% | 3,510 |
| Noninterest income to average assets | 0.3293% | 3,440 |
| Noninterest expense to average assets | 1.4751% | 4,565 |
| Loan and lease loss provision to assets | 0.0543% | 1,969 |
| Net operating income to assets | 1.1488% | 2,116 |
| Return on assets (ROA) | 1.1563% | 2,136 |
| Pretax return on assets | 1.4924% | 1,753 |
| Return on Equity (ROE) | 10.7507% | 2,254 |
| Retained earnings to average equity (ytd only) | 4.7220% | 2,907 |
| Net charge-offs to loans | 0.0975% | 866 |
| Credit loss provision to net charge-offs | 101.3514% | 1,778 |
| Earnings coverage of net charge-offs (x) | 28.6757% | 1,641 |
| Efficiency ratio | 48.9658% | 4,354 |
| Assets per employee ($millions) | 8.4059% | 1,117 |
| Cash dividends to net income (ytd only)* | 56.0777% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 1,398 |
| Loan loss allowance to noncurrent loans | 156.2030% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 1,187 |
| Noncurrent loans to loans | 0.9906% | 1,004 |
| Net loans and leases to total assets | 55.4982% | 2,677 |
| Net loans and leases to deposits | 64.6053% | 2,634 |
| Net loans and leases to core deposits | 66.1960% | 2,804 |
| Total domestic deposits to total assets | 85.9035% | 2,945 |
| Equity capital to assets | 10.3929% | 2,274 |
| Core capital (leverage) ratio | 8.8417% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5583% | 2,428 |
| Memoranda: | ||
| Average total assets | $276,057,200 | 2,566 |
| Average earning assets | $258,086,200 | 2,564 |
| Average equity | $29,691,000 | 2,554 |
| Average total loans | $151,811,200 | 2,615 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3184% | 3,336 |
| Cost of funding earning assets | 0.3519% | 2,102 |
| Net interest margin | 2.9665% | 3,395 |
| Noninterest income to average assets | 0.2539% | 3,875 |
| Noninterest expense to average assets | 1.4769% | 4,617 |
| Loan and lease loss provision to assets | 0.0099% | 2,792 |
| Net operating income to assets | 1.1786% | 2,234 |
| Return on assets (ROA) | 1.1856% | 2,271 |
| Pretax return on assets | 1.5364% | 1,888 |
| Return on Equity (ROE) | 10.9267% | 2,389 |
| Retained earnings to average equity (ytd only) | 5.1333% | 3,169 |
| Net charge-offs to loans | 0.1365% | 595 |
| Credit loss provision to net charge-offs | 13.0719% | 2,015 |
| Earnings coverage of net charge-offs (x) | 20.6209% | 1,724 |
| Efficiency ratio | 48.9977% | 4,295 |
| Assets per employee ($millions) | 8.6234% | 1,004 |
| Cash dividends to net income (ytd only)* | 53.0210% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 1,408 |
| Loan loss allowance to noncurrent loans | 151.9330% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 997 |
| Noncurrent loans to loans | 1.0358% | 1,098 |
| Net loans and leases to total assets | 51.8236% | 3,206 |
| Net loans and leases to deposits | 59.9285% | 3,235 |
| Net loans and leases to core deposits | 61.3911% | 3,375 |
| Total domestic deposits to total assets | 86.4758% | 2,569 |
| Equity capital to assets | 10.5612% | 2,413 |
| Core capital (leverage) ratio | 9.1294% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3842% | 2,212 |
| Memoranda: | ||
| Average total assets | $273,621,000 | 2,600 |
| Average earning assets | $254,614,500 | 2,612 |
| Average equity | $29,688,000 | 2,588 |
| Average total loans | $149,487,000 | 2,677 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3142% | 3,386 |
| Cost of funding earning assets | 0.3691% | 2,145 |
| Net interest margin | 2.9451% | 3,459 |
| Noninterest income to average assets | 0.2815% | 3,735 |
| Noninterest expense to average assets | 1.4979% | 4,622 |
| Loan and lease loss provision to assets | 0.0148% | 2,655 |
| Net operating income to assets | 1.1835% | 2,247 |
| Return on assets (ROA) | 1.1935% | 2,282 |
| Pretax return on assets | 1.5476% | 1,881 |
| Return on Equity (ROE) | 10.8977% | 2,456 |
| Retained earnings to average equity (ytd only) | 5.5537% | 2,975 |
| Net charge-offs to loans | 0.1968% | 435 |
| Credit loss provision to net charge-offs | 13.6054% | 1,759 |
| Earnings coverage of net charge-offs (x) | 14.2313% | 1,673 |
| Efficiency ratio | 49.1492% | 4,307 |
| Assets per employee ($millions) | 8.0945% | 1,166 |
| Cash dividends to net income (ytd only)* | 49.0379% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 1,306 |
| Loan loss allowance to noncurrent loans | 143.2727% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 1,004 |
| Noncurrent loans to loans | 1.1081% | 1,091 |
| Net loans and leases to total assets | 53.2471% | 3,229 |
| Net loans and leases to deposits | 61.7400% | 3,230 |
| Net loans and leases to core deposits | 63.3029% | 3,354 |
| Total domestic deposits to total assets | 86.2441% | 2,652 |
| Equity capital to assets | 10.8352% | 2,120 |
| Core capital (leverage) ratio | 8.9684% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,971,000 | 2,613 |
| Average earning assets | $253,575,333 | 2,602 |
| Average equity | $29,566,000 | 2,592 |
| Average total loans | $149,371,667 | 2,690 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0997% | 3,880 |
| Cost of funding earning assets | 0.3887% | 2,189 |
| Net interest margin | 2.7111% | 3,944 |
| Noninterest income to average assets | 0.2977% | 3,625 |
| Noninterest expense to average assets | 1.5411% | 4,609 |
| Loan and lease loss provision to assets | -0.1496% | 4,774 |
| Net operating income to assets | 1.1253% | 2,400 |
| Return on assets (ROA) | 1.1371% | 2,436 |
| Pretax return on assets | 1.4677% | 2,080 |
| Return on Equity (ROE) | 10.3264% | 2,588 |
| Retained earnings to average equity (ytd only) | 5.0273% | 3,212 |
| Net charge-offs to loans | 0.3877% | 212 |
| Credit loss provision to net charge-offs | -68.9655% | 2,790 |
| Earnings coverage of net charge-offs (x) | 6.0069% | 1,659 |
| Efficiency ratio | 54.1820% | 3,764 |
| Assets per employee ($millions) | 8.3522% | 1,053 |
| Cash dividends to net income (ytd only)* | 51.3158% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 1,401 |
| Loan loss allowance to noncurrent loans | 96.6853% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8464% | 1,053 |
| Noncurrent loans to loans | 1.6112% | 756 |
| Net loans and leases to total assets | 51.4935% | 3,495 |
| Net loans and leases to deposits | 59.4343% | 3,525 |
| Net loans and leases to core deposits | 61.0606% | 3,639 |
| Total domestic deposits to total assets | 86.6394% | 2,468 |
| Equity capital to assets | 10.5539% | 2,214 |
| Core capital (leverage) ratio | 9.1394% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,350,000 | 2,616 |
| Average earning assets | $251,119,500 | 2,604 |
| Average equity | $29,439,000 | 2,589 |
| Average total loans | $149,604,000 | 2,693 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8398% | 3,190 |
| Cost of funding earning assets | 0.6230% | 2,162 |
| Net interest margin | 3.2168% | 3,315 |
| Noninterest income to average assets | 0.3144% | 3,587 |
| Noninterest expense to average assets | 1.6132% | 4,693 |
| Loan and lease loss provision to assets | 0.3558% | 964 |
| Net operating income to assets | 1.0704% | 2,026 |
| Return on assets (ROA) | 1.0678% | 2,176 |
| Pretax return on assets | 1.3660% | 1,766 |
| Return on Equity (ROE) | 9.0001% | 2,392 |
| Retained earnings to average equity (ytd only) | 3.5539% | 3,058 |
| Net charge-offs to loans | 0.3764% | 458 |
| Credit loss provision to net charge-offs | 146.8376% | 2,443 |
| Earnings coverage of net charge-offs (x) | 7.1197% | 2,720 |
| Efficiency ratio | 48.3251% | 4,620 |
| Assets per employee ($millions) | 7.8508% | 1,094 |
| Cash dividends to net income (ytd only)* | 60.5120% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 1,282 |
| Loan loss allowance to noncurrent loans | 89.2832% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0769% | 854 |
| Noncurrent loans to loans | 1.7996% | 690 |
| Net loans and leases to total assets | 58.8794% | 2,996 |
| Net loans and leases to deposits | 68.7800% | 3,004 |
| Net loans and leases to core deposits | 70.8096% | 3,195 |
| Total domestic deposits to total assets | 85.6054% | 2,526 |
| Equity capital to assets | 11.4981% | 1,885 |
| Core capital (leverage) ratio | 9.4333% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,438,800 | 2,643 |
| Average earning assets | $226,963,000 | 2,621 |
| Average equity | $28,644,200 | 2,558 |
| Average total loans | $155,404,200 | 2,613 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 2,977 |
| Cost of funding earning assets | 0.6841% | 2,126 |
| Net interest margin | 3.3156% | 3,139 |
| Noninterest income to average assets | 0.2942% | 3,721 |
| Noninterest expense to average assets | 1.6510% | 4,678 |
| Loan and lease loss provision to assets | 0.4185% | 807 |
| Net operating income to assets | 1.0472% | 2,156 |
| Return on assets (ROA) | 1.0446% | 2,297 |
| Pretax return on assets | 1.3376% | 1,913 |
| Return on Equity (ROE) | 8.7310% | 2,511 |
| Retained earnings to average equity (ytd only) | 3.2300% | 3,427 |
| Net charge-offs to loans | 0.5042% | 295 |
| Credit loss provision to net charge-offs | 126.5306% | 2,463 |
| Earnings coverage of net charge-offs (x) | 5.3197% | 2,740 |
| Efficiency ratio | 48.4084% | 4,585 |
| Assets per employee ($millions) | 7.5337% | 1,190 |
| Cash dividends to net income (ytd only)* | 63.0048% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 1,231 |
| Loan loss allowance to noncurrent loans | 83.0010% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.1500% | 895 |
| Noncurrent loans to loans | 1.8683% | 688 |
| Net loans and leases to total assets | 60.5974% | 3,150 |
| Net loans and leases to deposits | 70.9667% | 3,219 |
| Net loans and leases to core deposits | 73.1418% | 3,386 |
| Total domestic deposits to total assets | 85.3885% | 2,286 |
| Equity capital to assets | 11.8236% | 1,784 |
| Core capital (leverage) ratio | 9.9458% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,029,250 | 2,653 |
| Average earning assets | $222,776,500 | 2,633 |
| Average equity | $28,358,000 | 2,569 |
| Average total loans | $155,496,750 | 2,619 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8975% | 3,627 |
| Cost of funding earning assets | 0.7742% | 1,969 |
| Net interest margin | 3.1233% | 3,855 |
| Noninterest income to average assets | 0.2865% | 3,745 |
| Noninterest expense to average assets | 1.6426% | 4,745 |
| Loan and lease loss provision to assets | 0.5953% | 534 |
| Net operating income to assets | 0.7750% | 3,136 |
| Return on assets (ROA) | 0.7703% | 3,270 |
| Pretax return on assets | 0.9701% | 3,110 |
| Return on Equity (ROE) | 6.4115% | 3,362 |
| Retained earnings to average equity (ytd only) | 0.8425% | 4,128 |
| Net charge-offs to loans | 0.0115% | 2,547 |
| Credit loss provision to net charge-offs | 7,711.1111% | 149 |
| Earnings coverage of net charge-offs (x) | 203.5556% | 438 |
| Efficiency ratio | 51.1076% | 4,427 |
| Assets per employee ($millions) | 7.2557% | 1,295 |
| Cash dividends to net income (ytd only)* | 86.8597% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8912% | 539 |
| Loan loss allowance to noncurrent loans | 62.6106% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.9358% | 390 |
| Noncurrent loans to loans | 3.0205% | 317 |
| Net loans and leases to total assets | 62.8753% | 3,024 |
| Net loans and leases to deposits | 73.7619% | 3,097 |
| Net loans and leases to core deposits | 76.1182% | 3,274 |
| Total domestic deposits to total assets | 85.2409% | 2,287 |
| Equity capital to assets | 11.9738% | 1,681 |
| Core capital (leverage) ratio | 9.7707% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,168,000 | 2,654 |
| Average earning assets | $218,550,333 | 2,643 |
| Average equity | $28,012,333 | 2,582 |
| Average total loans | $156,320,333 | 2,601 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,676 |
| Cost of funding earning assets | 0.9643% | 1,588 |
| Net interest margin | 3.0757% | 4,143 |
| Noninterest income to average assets | 0.3513% | 3,419 |
| Noninterest expense to average assets | 1.6606% | 4,811 |
| Loan and lease loss provision to assets | 0.3373% | 912 |
| Net operating income to assets | 0.9709% | 2,279 |
| Return on assets (ROA) | 0.9668% | 2,396 |
| Pretax return on assets | 1.2433% | 2,056 |
| Return on Equity (ROE) | 8.0337% | 2,508 |
| Retained earnings to average equity (ytd only) | 2.3985% | 3,308 |
| Net charge-offs to loans | 0.0304% | 1,774 |
| Credit loss provision to net charge-offs | 1,616.6667% | 400 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 690 |
| Efficiency ratio | 51.1516% | 4,603 |
| Assets per employee ($millions) | 7.1885% | 1,009 |
| Cash dividends to net income (ytd only)* | 70.1439% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,204 |
| Loan loss allowance to noncurrent loans | 58.0310% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.7971% | 511 |
| Noncurrent loans to loans | 2.6629% | 432 |
| Net loans and leases to total assets | 66.4461% | 2,762 |
| Net loans and leases to deposits | 78.1172% | 2,874 |
| Net loans and leases to core deposits | 79.9594% | 3,200 |
| Total domestic deposits to total assets | 85.0595% | 2,393 |
| Equity capital to assets | 12.1222% | 1,980 |
| Core capital (leverage) ratio | 10.1361% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,032,500 | 2,624 |
| Average earning assets | $216,539,500 | 2,601 |
| Average equity | $27,683,500 | 2,596 |
| Average total loans | $157,755,500 | 2,567 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 3,834 |
| Cost of funding earning assets | 0.9848% | 1,788 |
| Net interest margin | 3.2046% | 4,175 |
| Noninterest income to average assets | 0.2854% | 3,977 |
| Noninterest expense to average assets | 1.7117% | 4,860 |
| Loan and lease loss provision to assets | 0.0332% | 3,349 |
| Net operating income to assets | 1.2164% | 1,996 |
| Return on assets (ROA) | 1.2185% | 2,076 |
| Pretax return on assets | 1.5682% | 1,595 |
| Return on Equity (ROE) | 9.1052% | 2,705 |
| Retained earnings to average equity (ytd only) | -11.9195% | 5,088 |
| Net charge-offs to loans | 0.0078% | 3,399 |
| Credit loss provision to net charge-offs | 625.0000% | 497 |
| Earnings coverage of net charge-offs (x) | 300.6667% | 283 |
| Efficiency ratio | 51.0507% | 4,669 |
| Assets per employee ($millions) | 7.1885% | 979 |
| Cash dividends to net income (ytd only)* | 230.9091% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 1,581 |
| Loan loss allowance to noncurrent loans | 76.4483% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 894 |
| Noncurrent loans to loans | 1.8095% | 743 |
| Net loans and leases to total assets | 68.7065% | 2,579 |
| Net loans and leases to deposits | 81.5495% | 2,610 |
| Net loans and leases to core deposits | 83.6011% | 2,988 |
| Total domestic deposits to total assets | 84.2513% | 2,769 |
| Equity capital to assets | 11.9470% | 2,163 |
| Core capital (leverage) ratio | 9.9777% | 3,545 |
| Tier 1 risk-based capital ratio | 11.7680% | 4,489 |
| Total risk-based capital ratio | 13.0002% | 4,373 |
| Memoranda: | ||
| Average total assets | $225,679,200 | 2,616 |
| Average earning assets | $213,034,400 | 2,582 |
| Average equity | $30,202,600 | 2,381 |
| Average total loans | $153,883,600 | 2,578 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1903% | 3,939 |
| Cost of funding earning assets | 1.0007% | 1,760 |
| Net interest margin | 3.1896% | 4,322 |
| Noninterest income to average assets | 0.2838% | 4,041 |
| Noninterest expense to average assets | 1.7097% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2326% | 2,088 |
| Return on assets (ROA) | 1.2354% | 2,156 |
| Pretax return on assets | 1.5880% | 1,679 |
| Return on Equity (ROE) | 8.9843% | 2,895 |
| Retained earnings to average equity (ytd only) | 0.5656% | 4,650 |
| Net charge-offs to loans | -0.0044% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0182% | 4,673 |
| Assets per employee ($millions) | 6.9578% | 1,040 |
| Cash dividends to net income (ytd only)* | 93.7050% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 1,481 |
| Loan loss allowance to noncurrent loans | 77.8579% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2077% | 1,049 |
| Noncurrent loans to loans | 1.8315% | 770 |
| Net loans and leases to total assets | 65.0014% | 3,176 |
| Net loans and leases to deposits | 78.1826% | 3,082 |
| Net loans and leases to core deposits | 79.8418% | 3,399 |
| Total domestic deposits to total assets | 83.1405% | 3,113 |
| Equity capital to assets | 13.6219% | 1,304 |
| Core capital (leverage) ratio | 12.0499% | 1,817 |
| Tier 1 risk-based capital ratio | 14.4406% | 3,111 |
| Total risk-based capital ratio | 15.6909% | 3,024 |
| Memoranda: | ||
| Average total assets | $224,591,000 | 2,643 |
| Average earning assets | $211,976,250 | 2,617 |
| Average equity | $30,882,750 | 2,361 |
| Average total loans | $152,288,500 | 2,625 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 3,389 |
| Cost of funding earning assets | 1.0069% | 1,665 |
| Net interest margin | 3.3718% | 3,983 |
| Noninterest income to average assets | 0.2853% | 4,036 |
| Noninterest expense to average assets | 1.7397% | 4,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3478% | 1,585 |
| Return on assets (ROA) | 1.3485% | 1,648 |
| Pretax return on assets | 1.7343% | 1,204 |
| Return on Equity (ROE) | 9.7752% | 2,493 |
| Retained earnings to average equity (ytd only) | 1.3203% | 4,344 |
| Net charge-offs to loans | 0.0013% | 3,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1,932.0000% | 31 |
| Efficiency ratio | 48.8246% | 4,851 |
| Assets per employee ($millions) | 6.6265% | 1,175 |
| Cash dividends to net income (ytd only)* | 86.4937% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,441 |
| Loan loss allowance to noncurrent loans | 71.4333% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.3783% | 878 |
| Noncurrent loans to loans | 2.0233% | 700 |
| Net loans and leases to total assets | 67.1372% | 2,945 |
| Net loans and leases to deposits | 81.2077% | 2,815 |
| Net loans and leases to core deposits | 83.1613% | 3,183 |
| Total domestic deposits to total assets | 82.6735% | 3,314 |
| Equity capital to assets | 14.2855% | 1,014 |
| Core capital (leverage) ratio | 12.0672% | 1,788 |
| Tier 1 risk-based capital ratio | 14.7115% | 2,956 |
| Total risk-based capital ratio | 15.9619% | 2,887 |
| Memoranda: | ||
| Average total assets | $222,918,330 | 2,666 |
| Average earning assets | $210,748,330 | 2,631 |
| Average equity | $30,751,330 | 2,368 |
| Average total loans | $152,582,000 | 2,636 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 3,462 |
| Cost of funding earning assets | 0.9653% | 1,718 |
| Net interest margin | 3.3662% | 3,989 |
| Noninterest income to average assets | 0.3111% | 3,786 |
| Noninterest expense to average assets | 1.8024% | 4,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3179% | 1,634 |
| Return on assets (ROA) | 1.3278% | 1,640 |
| Pretax return on assets | 1.7010% | 1,205 |
| Return on Equity (ROE) | 9.7943% | 2,453 |
| Retained earnings to average equity (ytd only) | 1.2718% | 4,261 |
| Net charge-offs to loans | 0.0130% | 2,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 408 |
| Efficiency ratio | 49.7454% | 4,853 |
| Assets per employee ($millions) | 6.7822% | 1,096 |
| Cash dividends to net income (ytd only)* | 87.0147% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 1,627 |
| Loan loss allowance to noncurrent loans | 762.0567% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 4,168 |
| Noncurrent loans to loans | 0.1854% | 3,923 |
| Net loans and leases to total assets | 66.9837% | 2,901 |
| Net loans and leases to deposits | 80.2487% | 2,811 |
| Net loans and leases to core deposits | 82.1029% | 3,178 |
| Total domestic deposits to total assets | 83.4702% | 3,229 |
| Equity capital to assets | 13.7587% | 1,118 |
| Core capital (leverage) ratio | 11.8696% | 1,855 |
| Tier 1 risk-based capital ratio | 14.2483% | 3,219 |
| Total risk-based capital ratio | 15.4935% | 3,151 |
| Memoranda: | ||
| Average total assets | $225,039,500 | 2,681 |
| Average earning assets | $212,585,000 | 2,644 |
| Average equity | $30,507,500 | 2,385 |
| Average total loans | $154,390,000 | 2,647 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 3,491 |
| Cost of funding earning assets | 0.7180% | 1,977 |
| Net interest margin | 3.4631% | 3,825 |
| Noninterest income to average assets | 0.2722% | 4,283 |
| Noninterest expense to average assets | 1.7153% | 5,075 |
| Loan and lease loss provision to assets | 0.0515% | 3,152 |
| Net operating income to assets | 1.3798% | 1,504 |
| Return on assets (ROA) | 1.3854% | 1,475 |
| Pretax return on assets | 1.7749% | 985 |
| Return on Equity (ROE) | 10.3387% | 2,374 |
| Retained earnings to average equity (ytd only) | 2.1546% | 4,292 |
| Net charge-offs to loans | 0.0930% | 1,839 |
| Credit loss provision to net charge-offs | 83.9416% | 2,804 |
| Earnings coverage of net charge-offs (x) | 29.6642% | 1,616 |
| Efficiency ratio | 46.5932% | 5,100 |
| Assets per employee ($millions) | 6.8565% | 1,048 |
| Cash dividends to net income (ytd only)* | 79.1599% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 1,739 |
| Loan loss allowance to noncurrent loans | 879.1837% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 4,291 |
| Noncurrent loans to loans | 0.1563% | 4,037 |
| Net loans and leases to total assets | 68.3084% | 2,838 |
| Net loans and leases to deposits | 83.1020% | 2,611 |
| Net loans and leases to core deposits | 85.1447% | 2,992 |
| Total domestic deposits to total assets | 82.1983% | 3,596 |
| Equity capital to assets | 13.3565% | 1,200 |
| Core capital (leverage) ratio | 11.7396% | 1,924 |
| Tier 1 risk-based capital ratio | 13.6210% | 3,482 |
| Total risk-based capital ratio | 14.8214% | 3,416 |
| Memoranda: | ||
| Average total assets | $223,397,400 | 2,665 |
| Average earning assets | $210,445,400 | 2,634 |
| Average equity | $29,936,000 | 2,338 |
| Average total loans | $147,281,400 | 2,676 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 3,539 |
| Cost of funding earning assets | 0.6493% | 2,153 |
| Net interest margin | 3.4794% | 3,766 |
| Noninterest income to average assets | 0.2766% | 4,305 |
| Noninterest expense to average assets | 1.7364% | 5,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4190% | 1,421 |
| Return on assets (ROA) | 1.4190% | 1,421 |
| Pretax return on assets | 1.8160% | 979 |
| Return on Equity (ROE) | 10.5808% | 2,358 |
| Retained earnings to average equity (ytd only) | 2.5447% | 4,381 |
| Net charge-offs to loans | 0.1251% | 1,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 22.3013% | 1,884 |
| Efficiency ratio | 46.9240% | 5,108 |
| Assets per employee ($millions) | 6.7216% | 1,069 |
| Cash dividends to net income (ytd only)* | 75.9494% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 1,750 |
| Loan loss allowance to noncurrent loans | 733.8129% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 4,334 |
| Noncurrent loans to loans | 0.1891% | 4,037 |
| Net loans and leases to total assets | 65.3615% | 3,266 |
| Net loans and leases to deposits | 79.5528% | 3,085 |
| Net loans and leases to core deposits | 81.4253% | 3,371 |
| Total domestic deposits to total assets | 82.1612% | 3,563 |
| Equity capital to assets | 13.4194% | 1,163 |
| Core capital (leverage) ratio | 11.8902% | 1,848 |
| Tier 1 risk-based capital ratio | 14.3769% | 3,186 |
| Total risk-based capital ratio | 15.5863% | 3,114 |
| Memoranda: | ||
| Average total assets | $222,680,500 | 2,689 |
| Average earning assets | $209,646,250 | 2,654 |
| Average equity | $29,864,750 | 2,347 |
| Average total loans | $144,923,750 | 2,725 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 3,612 |
| Cost of funding earning assets | 0.5998% | 2,229 |
| Net interest margin | 3.4503% | 3,799 |
| Noninterest income to average assets | 0.2772% | 4,332 |
| Noninterest expense to average assets | 1.7258% | 5,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4119% | 1,391 |
| Return on assets (ROA) | 1.4119% | 1,392 |
| Pretax return on assets | 1.8020% | 957 |
| Return on Equity (ROE) | 10.5292% | 2,319 |
| Retained earnings to average equity (ytd only) | 2.8363% | 4,120 |
| Net charge-offs to loans | 0.0430% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 64.8065% | 952 |
| Efficiency ratio | 46.8853% | 5,170 |
| Assets per employee ($millions) | 6.8889% | 970 |
| Cash dividends to net income (ytd only)* | 73.0623% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 1,416 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 4,573 |
| Noncurrent loans to loans | 0.1358% | 4,296 |
| Net loans and leases to total assets | 64.1570% | 3,380 |
| Net loans and leases to deposits | 79.6256% | 2,990 |
| Net loans and leases to core deposits | 81.2836% | 3,299 |
| Total domestic deposits to total assets | 80.5734% | 4,107 |
| Equity capital to assets | 13.5462% | 1,085 |
| Core capital (leverage) ratio | 11.5272% | 2,048 |
| Tier 1 risk-based capital ratio | 14.4180% | 3,151 |
| Total risk-based capital ratio | 15.6687% | 3,068 |
| Memoranda: | ||
| Average total assets | $222,969,330 | 2,699 |
| Average earning assets | $210,069,670 | 2,673 |
| Average equity | $29,897,670 | 2,357 |
| Average total loans | $144,224,670 | 2,741 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 3,794 |
| Cost of funding earning assets | 0.5429% | 2,457 |
| Net interest margin | 3.4055% | 3,872 |
| Noninterest income to average assets | 0.2979% | 4,171 |
| Noninterest expense to average assets | 1.7999% | 5,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3308% | 1,540 |
| Return on assets (ROA) | 1.3308% | 1,554 |
| Pretax return on assets | 1.6982% | 1,121 |
| Return on Equity (ROE) | 9.9748% | 2,448 |
| Retained earnings to average equity (ytd only) | 3.2893% | 3,889 |
| Net charge-offs to loans | 0.0941% | 1,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,285 |
| Efficiency ratio | 49.3116% | 5,120 |
| Assets per employee ($millions) | 7.3574% | 826 |
| Cash dividends to net income (ytd only)* | 67.0241% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,574 |
| Loan loss allowance to noncurrent loans | 759.5745% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 4,470 |
| Noncurrent loans to loans | 0.1937% | 4,094 |
| Net loans and leases to total assets | 62.8829% | 3,434 |
| Net loans and leases to deposits | 74.3085% | 3,388 |
| Net loans and leases to core deposits | 75.5198% | 3,706 |
| Total domestic deposits to total assets | 84.6241% | 3,065 |
| Equity capital to assets | 13.0653% | 1,208 |
| Core capital (leverage) ratio | 11.6506% | 1,891 |
| Tier 1 risk-based capital ratio | 14.1435% | 3,307 |
| Total risk-based capital ratio | 15.3933% | 3,229 |
| Memoranda: | ||
| Average total assets | $224,231,500 | 2,713 |
| Average earning assets | $210,717,000 | 2,684 |
| Average equity | $29,915,500 | 2,375 |
| Average total loans | $144,549,000 | 2,752 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 3,476 |
| Cost of funding earning assets | 0.4549% | 2,723 |
| Net interest margin | 3.5239% | 3,452 |
| Noninterest income to average assets | 0.2908% | 4,383 |
| Noninterest expense to average assets | 1.7046% | 5,330 |
| Loan and lease loss provision to assets | 0.1472% | 1,549 |
| Net operating income to assets | 1.1571% | 1,657 |
| Return on assets (ROA) | 1.1571% | 1,686 |
| Pretax return on assets | 1.7395% | 917 |
| Return on Equity (ROE) | 8.3912% | 2,608 |
| Retained earnings to average equity (ytd only) | 2.3022% | 3,942 |
| Net charge-offs to loans | -0.0028% | 4,565 |
| Credit loss provision to net charge-offs | -8,000.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2472% | 5,415 |
| Assets per employee ($millions) | 7.1092% | 927 |
| Cash dividends to net income (ytd only)* | 72.5646% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 1,356 |
| Loan loss allowance to noncurrent loans | 675.7764% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 4,412 |
| Noncurrent loans to loans | 0.2243% | 4,006 |
| Net loans and leases to total assets | 64.1414% | 3,351 |
| Net loans and leases to deposits | 76.2564% | 3,304 |
| Net loans and leases to core deposits | 77.5508% | 3,624 |
| Total domestic deposits to total assets | 84.1128% | 3,162 |
| Equity capital to assets | 13.6271% | 1,013 |
| Core capital (leverage) ratio | 11.5865% | 1,877 |
| Tier 1 risk-based capital ratio | 14.0387% | 3,342 |
| Total risk-based capital ratio | 15.2892% | 3,243 |
| Memoranda: | ||
| Average total assets | $217,357,400 | 2,752 |
| Average earning assets | $203,583,000 | 2,736 |
| Average equity | $29,971,800 | 2,358 |
| Average total loans | $140,730,200 | 2,769 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 3,523 |
| Cost of funding earning assets | 0.4275% | 2,904 |
| Net interest margin | 3.5213% | 3,422 |
| Noninterest income to average assets | 0.2955% | 4,420 |
| Noninterest expense to average assets | 1.7371% | 5,334 |
| Loan and lease loss provision to assets | 0.0326% | 3,470 |
| Net operating income to assets | 1.2299% | 1,577 |
| Return on assets (ROA) | 1.2299% | 1,606 |
| Pretax return on assets | 1.8264% | 834 |
| Return on Equity (ROE) | 8.8926% | 2,671 |
| Retained earnings to average equity (ytd only) | 2.9954% | 4,132 |
| Net charge-offs to loans | -0.0009% | 4,264 |
| Credit loss provision to net charge-offs | -5,300.0000% | 5,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0630% | 5,417 |
| Assets per employee ($millions) | 7.2694% | 839 |
| Cash dividends to net income (ytd only)* | 66.3163% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 2,035 |
| Loan loss allowance to noncurrent loans | 1,422.3881% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 4,928 |
| Noncurrent loans to loans | 0.0961% | 4,682 |
| Net loans and leases to total assets | 63.0485% | 3,546 |
| Net loans and leases to deposits | 75.2671% | 3,443 |
| Net loans and leases to core deposits | 76.4107% | 3,771 |
| Total domestic deposits to total assets | 83.7663% | 3,204 |
| Equity capital to assets | 13.9346% | 1,014 |
| Core capital (leverage) ratio | 12.2478% | 1,541 |
| Tier 1 risk-based capital ratio | 14.7343% | 3,045 |
| Total risk-based capital ratio | 15.9215% | 3,007 |
| Memoranda: | ||
| Average total assets | $216,600,500 | 2,782 |
| Average earning assets | $203,024,750 | 2,765 |
| Average equity | $29,956,750 | 2,376 |
| Average total loans | $140,029,250 | 2,797 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9200% | 3,489 |
| Cost of funding earning assets | 0.4008% | 3,067 |
| Net interest margin | 3.5192% | 3,328 |
| Noninterest income to average assets | 0.3026% | 4,374 |
| Noninterest expense to average assets | 1.7732% | 5,340 |
| Loan and lease loss provision to assets | 0.0324% | 3,350 |
| Net operating income to assets | 1.2179% | 1,541 |
| Return on assets (ROA) | 1.2179% | 1,580 |
| Pretax return on assets | 1.7963% | 849 |
| Return on Equity (ROE) | 8.8285% | 2,588 |
| Retained earnings to average equity (ytd only) | 3.2939% | 3,757 |
| Net charge-offs to loans | 0.0014% | 3,470 |
| Credit loss provision to net charge-offs | 3,500.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 1,976.0000% | 22 |
| Efficiency ratio | 46.9168% | 5,438 |
| Assets per employee ($millions) | 6.7370% | 1,042 |
| Cash dividends to net income (ytd only)* | 62.6900% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 2,233 |
| Loan loss allowance to noncurrent loans | 1,813.4615% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 5,027 |
| Noncurrent loans to loans | 0.0739% | 4,835 |
| Net loans and leases to total assets | 66.5098% | 3,029 |
| Net loans and leases to deposits | 80.0714% | 2,903 |
| Net loans and leases to core deposits | 81.3526% | 3,310 |
| Total domestic deposits to total assets | 83.0631% | 3,545 |
| Equity capital to assets | 14.4781% | 829 |
| Core capital (leverage) ratio | 11.9580% | 1,653 |
| Tier 1 risk-based capital ratio | 14.4958% | 3,166 |
| Total risk-based capital ratio | 15.6639% | 3,139 |
| Memoranda: | ||
| Average total assets | $216,106,330 | 2,798 |
| Average earning assets | $202,603,330 | 2,782 |
| Average equity | $29,812,670 | 2,384 |
| Average total loans | $140,237,670 | 2,802 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 3,826 |
| Cost of funding earning assets | 0.3340% | 3,713 |
| Net interest margin | 3.4469% | 3,459 |
| Noninterest income to average assets | 0.2931% | 4,458 |
| Noninterest expense to average assets | 1.7931% | 5,388 |
| Loan and lease loss provision to assets | 0.0328% | 3,132 |
| Net operating income to assets | 1.1578% | 1,634 |
| Return on assets (ROA) | 1.1578% | 1,672 |
| Pretax return on assets | 1.6984% | 1,008 |
| Return on Equity (ROE) | 8.5944% | 2,618 |
| Retained earnings to average equity (ytd only) | 4.2026% | 3,351 |
| Net charge-offs to loans | 0.0086% | 2,676 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 317.0000% | 192 |
| Efficiency ratio | 48.4504% | 5,447 |
| Assets per employee ($millions) | 6.7753% | 1,047 |
| Cash dividends to net income (ytd only)* | 51.1006% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 2,192 |
| Loan loss allowance to noncurrent loans | 1,761.3208% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 5,067 |
| Noncurrent loans to loans | 0.0780% | 4,887 |
| Net loans and leases to total assets | 61.8209% | 3,561 |
| Net loans and leases to deposits | 73.8703% | 3,419 |
| Net loans and leases to core deposits | 74.9971% | 3,742 |
| Total domestic deposits to total assets | 83.6885% | 3,583 |
| Equity capital to assets | 13.7761% | 977 |
| Core capital (leverage) ratio | 11.8404% | 1,727 |
| Tier 1 risk-based capital ratio | 14.3110% | 3,310 |
| Total risk-based capital ratio | 15.4649% | 3,273 |
| Memoranda: | ||
| Average total assets | $219,736,500 | 2,796 |
| Average earning assets | $205,984,500 | 2,766 |
| Average equity | $29,600,500 | 2,411 |
| Average total loans | $139,962,000 | 2,823 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8068% | 3,890 |
| Cost of funding earning assets | 0.3169% | 3,883 |
| Net interest margin | 3.4898% | 3,470 |
| Noninterest income to average assets | 0.3034% | 4,576 |
| Noninterest expense to average assets | 1.6730% | 5,587 |
| Loan and lease loss provision to assets | 0.0715% | 2,926 |
| Net operating income to assets | 1.2617% | 1,323 |
| Return on assets (ROA) | 1.2661% | 1,388 |
| Pretax return on assets | 1.8411% | 709 |
| Return on Equity (ROE) | 9.5126% | 2,187 |
| Retained earnings to average equity (ytd only) | 5.1483% | 2,241 |
| Net charge-offs to loans | -0.0022% | 4,706 |
| Credit loss provision to net charge-offs | -5,233.3333% | 5,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2719% | 5,686 |
| Assets per employee ($millions) | 6.9582% | 941 |
| Cash dividends to net income (ytd only)* | 45.8798% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 2,618 |
| Loan loss allowance to noncurrent loans | 1,392.4812% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 5,098 |
| Noncurrent loans to loans | 0.0923% | 4,870 |
| Net loans and leases to total assets | 63.8503% | 3,376 |
| Net loans and leases to deposits | 81.4038% | 2,740 |
| Net loans and leases to core deposits | 82.6941% | 3,155 |
| Total domestic deposits to total assets | 78.4365% | 4,908 |
| Equity capital to assets | 13.1737% | 1,184 |
| Core capital (leverage) ratio | 11.5311% | 1,907 |
| Tier 1 risk-based capital ratio | 13.0723% | 4,018 |
| Total risk-based capital ratio | 14.1315% | 4,041 |
| Memoranda: | ||
| Average total assets | $219,484,400 | 2,765 |
| Average earning assets | $206,026,400 | 2,728 |
| Average equity | $29,213,800 | 2,429 |
| Average total loans | $134,790,000 | 2,851 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 3,887 |
| Cost of funding earning assets | 0.3183% | 3,890 |
| Net interest margin | 3.4944% | 3,490 |
| Noninterest income to average assets | 0.3061% | 4,581 |
| Noninterest expense to average assets | 1.6699% | 5,629 |
| Loan and lease loss provision to assets | 0.0927% | 2,373 |
| Net operating income to assets | 1.2567% | 1,427 |
| Return on assets (ROA) | 1.2626% | 1,504 |
| Pretax return on assets | 1.8321% | 838 |
| Return on Equity (ROE) | 9.4616% | 2,288 |
| Retained earnings to average equity (ytd only) | 5.1214% | 2,740 |
| Net charge-offs to loans | -0.0020% | 4,497 |
| Credit loss provision to net charge-offs | -7,600.0000% | 5,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0666% | 5,746 |
| Assets per employee ($millions) | 6.7911% | 968 |
| Cash dividends to net income (ytd only)* | 45.8718% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 2,315 |
| Loan loss allowance to noncurrent loans | 1,247.9730% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 5,170 |
| Noncurrent loans to loans | 0.1102% | 4,901 |
| Net loans and leases to total assets | 60.9265% | 3,750 |
| Net loans and leases to deposits | 76.0321% | 3,399 |
| Net loans and leases to core deposits | 77.0148% | 3,753 |
| Total domestic deposits to total assets | 80.1326% | 4,482 |
| Equity capital to assets | 13.7620% | 1,136 |
| Core capital (leverage) ratio | 11.3622% | 2,143 |
| Tier 1 risk-based capital ratio | 13.5107% | 3,855 |
| Total risk-based capital ratio | 14.6227% | 3,852 |
| Memoranda: | ||
| Average total assets | $218,689,750 | 2,781 |
| Average earning assets | $205,278,000 | 2,748 |
| Average equity | $29,184,000 | 2,440 |
| Average total loans | $132,481,750 | 2,895 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 3,963 |
| Cost of funding earning assets | 0.3158% | 3,955 |
| Net interest margin | 3.4807% | 3,563 |
| Noninterest income to average assets | 0.3003% | 4,641 |
| Noninterest expense to average assets | 1.6427% | 5,730 |
| Loan and lease loss provision to assets | 0.1342% | 1,700 |
| Net operating income to assets | 1.2421% | 1,455 |
| Return on assets (ROA) | 1.2421% | 1,563 |
| Pretax return on assets | 1.7924% | 893 |
| Return on Equity (ROE) | 9.4047% | 2,313 |
| Retained earnings to average equity (ytd only) | 5.0859% | 2,670 |
| Net charge-offs to loans | -0.0045% | 4,500 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4416% | 5,828 |
| Assets per employee ($millions) | 6.7833% | 964 |
| Cash dividends to net income (ytd only)* | 45.9221% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 2,266 |
| Loan loss allowance to noncurrent loans | 926.1307% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 5,153 |
| Noncurrent loans to loans | 0.1519% | 4,831 |
| Net loans and leases to total assets | 59.5134% | 3,950 |
| Net loans and leases to deposits | 73.4622% | 3,659 |
| Net loans and leases to core deposits | 74.4019% | 3,949 |
| Total domestic deposits to total assets | 81.0123% | 4,275 |
| Equity capital to assets | 13.6829% | 1,150 |
| Core capital (leverage) ratio | 10.9418% | 2,497 |
| Tier 1 risk-based capital ratio | 13.3500% | 3,989 |
| Total risk-based capital ratio | 14.4682% | 3,983 |
| Memoranda: | ||
| Average total assets | $219,147,670 | 2,778 |
| Average earning assets | $205,820,000 | 2,752 |
| Average equity | $28,943,000 | 2,458 |
| Average total loans | $131,892,330 | 2,905 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 4,135 |
| Cost of funding earning assets | 0.3195% | 3,954 |
| Net interest margin | 3.4308% | 3,760 |
| Noninterest income to average assets | 0.3179% | 4,453 |
| Noninterest expense to average assets | 1.7240% | 5,731 |
| Loan and lease loss provision to assets | 0.2561% | 675 |
| Net operating income to assets | 1.0918% | 1,938 |
| Return on assets (ROA) | 1.0918% | 2,037 |
| Pretax return on assets | 1.5569% | 1,414 |
| Return on Equity (ROE) | 8.4162% | 2,697 |
| Retained earnings to average equity (ytd only) | 4.2151% | 3,366 |
| Net charge-offs to loans | -0.0030% | 4,177 |
| Credit loss provision to net charge-offs | -14,100.0000% | 5,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0709% | 5,810 |
| Assets per employee ($millions) | 7.3592% | 753 |
| Cash dividends to net income (ytd only)* | 49.9168% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 2,513 |
| Loan loss allowance to noncurrent loans | 1,339.4161% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 5,355 |
| Noncurrent loans to loans | 0.1030% | 5,057 |
| Net loans and leases to total assets | 59.3916% | 3,862 |
| Net loans and leases to deposits | 71.2493% | 3,722 |
| Net loans and leases to core deposits | 72.2242% | 4,053 |
| Total domestic deposits to total assets | 83.3574% | 3,769 |
| Equity capital to assets | 13.0847% | 1,368 |
| Core capital (leverage) ratio | 10.7906% | 2,634 |
| Tier 1 risk-based capital ratio | 12.5827% | 4,528 |
| Total risk-based capital ratio | 13.6548% | 4,547 |
| Memoranda: | ||
| Average total assets | $220,188,000 | 2,775 |
| Average earning assets | $206,599,000 | 2,754 |
| Average equity | $28,564,000 | 2,473 |
| Average total loans | $132,325,000 | 2,899 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6942% | 4,384 |
| Cost of funding earning assets | 0.3269% | 3,943 |
| Net interest margin | 3.3673% | 4,048 |
| Noninterest income to average assets | 0.2543% | 5,072 |
| Noninterest expense to average assets | 1.6744% | 5,864 |
| Loan and lease loss provision to assets | 0.0194% | 4,019 |
| Net operating income to assets | 1.1815% | 1,615 |
| Return on assets (ROA) | 1.1856% | 1,678 |
| Pretax return on assets | 1.7085% | 971 |
| Return on Equity (ROE) | 9.3156% | 2,316 |
| Retained earnings to average equity (ytd only) | 5.3268% | 2,188 |
| Net charge-offs to loans | 0.0048% | 4,279 |
| Credit loss provision to net charge-offs | 700.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 621.8333% | 106 |
| Efficiency ratio | 46.3378% | 5,912 |
| Assets per employee ($millions) | 7.3200% | 778 |
| Cash dividends to net income (ytd only)* | 42.8182% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,992 |
| Loan loss allowance to noncurrent loans | 1,244.8529% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 5,406 |
| Noncurrent loans to loans | 0.1033% | 5,085 |
| Net loans and leases to total assets | 59.1984% | 3,939 |
| Net loans and leases to deposits | 70.1185% | 3,913 |
| Net loans and leases to core deposits | 71.0703% | 4,206 |
| Total domestic deposits to total assets | 84.4262% | 3,321 |
| Equity capital to assets | 12.8598% | 1,428 |
| Core capital (leverage) ratio | 10.7350% | 2,677 |
| Tier 1 risk-based capital ratio | 12.7603% | 4,470 |
| Total risk-based capital ratio | 13.7792% | 4,511 |
| Memoranda: | ||
| Average total assets | $216,678,800 | 2,774 |
| Average earning assets | $202,182,600 | 2,759 |
| Average equity | $27,577,400 | 2,498 |
| Average total loans | $124,809,200 | 2,975 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6754% | 4,501 |
| Cost of funding earning assets | 0.3315% | 3,972 |
| Net interest margin | 3.3439% | 4,163 |
| Noninterest income to average assets | 0.2822% | 4,928 |
| Noninterest expense to average assets | 1.6837% | 5,913 |
| Loan and lease loss provision to assets | 0.0204% | 3,867 |
| Net operating income to assets | 1.1811% | 1,714 |
| Return on assets (ROA) | 1.1867% | 1,756 |
| Pretax return on assets | 1.7065% | 1,084 |
| Return on Equity (ROE) | 9.3485% | 2,387 |
| Retained earnings to average equity (ytd only) | 5.4574% | 2,599 |
| Net charge-offs to loans | -0.0022% | 4,712 |
| Credit loss provision to net charge-offs | -1,650.0000% | 5,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4888% | 5,945 |
| Assets per employee ($millions) | 7.1953% | 797 |
| Cash dividends to net income (ytd only)* | 41.6234% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 2,923 |
| Loan loss allowance to noncurrent loans | 1,216.5468% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 5,151 |
| Noncurrent loans to loans | 0.1098% | 5,193 |
| Net loans and leases to total assets | 57.8493% | 4,163 |
| Net loans and leases to deposits | 70.4411% | 3,926 |
| Net loans and leases to core deposits | 71.4442% | 4,238 |
| Total domestic deposits to total assets | 82.1244% | 4,123 |
| Equity capital to assets | 12.9853% | 1,453 |
| Core capital (leverage) ratio | 10.8289% | 2,672 |
| Tier 1 risk-based capital ratio | 13.0688% | 4,396 |
| Total risk-based capital ratio | 14.1309% | 4,423 |
| Memoranda: | ||
| Average total assets | $215,948,750 | 2,805 |
| Average earning assets | $201,516,000 | 2,785 |
| Average equity | $27,411,750 | 2,522 |
| Average total loans | $123,088,500 | 3,030 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 4,559 |
| Cost of funding earning assets | 0.3434% | 3,883 |
| Net interest margin | 3.3109% | 4,263 |
| Noninterest income to average assets | 0.2602% | 5,092 |
| Noninterest expense to average assets | 1.6891% | 5,977 |
| Loan and lease loss provision to assets | 0.0222% | 3,687 |
| Net operating income to assets | 1.1472% | 1,792 |
| Return on assets (ROA) | 1.1557% | 1,825 |
| Pretax return on assets | 1.6502% | 1,190 |
| Return on Equity (ROE) | 9.1746% | 2,446 |
| Retained earnings to average equity (ytd only) | 5.4989% | 2,535 |
| Net charge-offs to loans | -0.0082% | 4,874 |
| Credit loss provision to net charge-offs | -480.0000% | 5,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3044% | 5,995 |
| Assets per employee ($millions) | 7.0118% | 826 |
| Cash dividends to net income (ytd only)* | 40.0641% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 2,756 |
| Loan loss allowance to noncurrent loans | 2,676.1905% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 5,385 |
| Noncurrent loans to loans | 0.0523% | 5,534 |
| Net loans and leases to total assets | 56.4201% | 4,294 |
| Net loans and leases to deposits | 69.2447% | 4,011 |
| Net loans and leases to core deposits | 70.3705% | 4,291 |
| Total domestic deposits to total assets | 81.4793% | 4,452 |
| Equity capital to assets | 13.0176% | 1,396 |
| Core capital (leverage) ratio | 10.4283% | 3,049 |
| Tier 1 risk-based capital ratio | 13.1458% | 4,429 |
| Total risk-based capital ratio | 14.2323% | 4,444 |
| Memoranda: | ||
| Average total assets | $215,978,670 | 2,822 |
| Average earning assets | $201,513,670 | 2,804 |
| Average equity | $27,205,670 | 2,547 |
| Average total loans | $121,930,000 | 3,055 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5935% | 4,711 |
| Cost of funding earning assets | 0.3422% | 3,963 |
| Net interest margin | 3.2513% | 4,413 |
| Noninterest income to average assets | 0.2834% | 4,910 |
| Noninterest expense to average assets | 1.6875% | 6,027 |
| Loan and lease loss provision to assets | 0.0219% | 3,426 |
| Net operating income to assets | 1.1225% | 1,786 |
| Return on assets (ROA) | 1.1225% | 1,892 |
| Pretax return on assets | 1.5960% | 1,278 |
| Return on Equity (ROE) | 9.0570% | 2,417 |
| Retained earnings to average equity (ytd only) | 6.1069% | 2,431 |
| Net charge-offs to loans | -0.0033% | 4,409 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7876% | 6,031 |
| Assets per employee ($millions) | 7.2703% | 746 |
| Cash dividends to net income (ytd only)* | 32.5733% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 2,836 |
| Loan loss allowance to noncurrent loans | 2,319.4444% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 5,063 |
| Noncurrent loans to loans | 0.0611% | 5,531 |
| Net loans and leases to total assets | 53.2209% | 4,529 |
| Net loans and leases to deposits | 63.1829% | 4,465 |
| Net loans and leases to core deposits | 64.2264% | 4,676 |
| Total domestic deposits to total assets | 84.2330% | 3,719 |
| Equity capital to assets | 12.6112% | 1,623 |
| Core capital (leverage) ratio | 10.2893% | 3,228 |
| Tier 1 risk-based capital ratio | 12.8549% | 4,690 |
| Total risk-based capital ratio | 13.9273% | 4,715 |
| Memoranda: | ||
| Average total assets | $218,791,000 | 2,813 |
| Average earning assets | $203,366,500 | 2,798 |
| Average equity | $27,117,000 | 2,570 |
| Average total loans | $122,711,000 | 3,045 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6230% | 5,021 |
| Cost of funding earning assets | 0.3947% | 3,745 |
| Net interest margin | 3.2283% | 4,836 |
| Noninterest income to average assets | 0.2108% | 5,598 |
| Noninterest expense to average assets | 1.6389% | 6,206 |
| Loan and lease loss provision to assets | 0.1156% | 2,243 |
| Net operating income to assets | 1.0446% | 2,193 |
| Return on assets (ROA) | 1.0845% | 2,087 |
| Pretax return on assets | 1.5152% | 1,488 |
| Return on Equity (ROE) | 9.3209% | 2,429 |
| Retained earnings to average equity (ytd only) | 6.2035% | 1,808 |
| Net charge-offs to loans | -0.0017% | 5,369 |
| Credit loss provision to net charge-offs | -12,750.0000% | 6,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5458% | 6,203 |
| Assets per employee ($millions) | 7.0798% | 810 |
| Cash dividends to net income (ytd only)* | 33.4448% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 3,435 |
| Loan loss allowance to noncurrent loans | 2,151.9481% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 5,141 |
| Noncurrent loans to loans | 0.0603% | 5,639 |
| Net loans and leases to total assets | 57.4173% | 4,132 |
| Net loans and leases to deposits | 72.1601% | 3,662 |
| Net loans and leases to core deposits | 73.5242% | 3,962 |
| Total domestic deposits to total assets | 79.5693% | 5,128 |
| Equity capital to assets | 12.1782% | 1,884 |
| Core capital (leverage) ratio | 9.5974% | 4,104 |
| Tier 1 risk-based capital ratio | 12.1319% | 5,278 |
| Total risk-based capital ratio | 13.2020% | 5,297 |
| Memoranda: | ||
| Average total assets | $220,572,000 | 2,774 |
| Average earning assets | $205,216,200 | 2,751 |
| Average equity | $25,662,800 | 2,598 |
| Average total loans | $114,976,000 | 3,124 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5959% | 5,150 |
| Cost of funding earning assets | 0.4016% | 3,774 |
| Net interest margin | 3.1943% | 4,987 |
| Noninterest income to average assets | 0.2681% | 5,287 |
| Noninterest expense to average assets | 1.6349% | 6,262 |
| Loan and lease loss provision to assets | 0.0543% | 3,288 |
| Net operating income to assets | 1.1020% | 2,021 |
| Return on assets (ROA) | 1.1187% | 2,026 |
| Pretax return on assets | 1.5703% | 1,422 |
| Return on Equity (ROE) | 9.7281% | 2,337 |
| Retained earnings to average equity (ytd only) | 6.5782% | 2,055 |
| Net charge-offs to loans | 0.0012% | 4,671 |
| Credit loss provision to net charge-offs | 9,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 2,658.5789% | 17 |
| Efficiency ratio | 47.0709% | 6,244 |
| Assets per employee ($millions) | 6.9212% | 833 |
| Cash dividends to net income (ytd only)* | 32.3800% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 3,697 |
| Loan loss allowance to noncurrent loans | 1,793.9759% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 5,067 |
| Noncurrent loans to loans | 0.0719% | 5,736 |
| Net loans and leases to total assets | 53.1213% | 4,682 |
| Net loans and leases to deposits | 63.2200% | 4,614 |
| Net loans and leases to core deposits | 64.1441% | 4,869 |
| Total domestic deposits to total assets | 84.0261% | 3,747 |
| Equity capital to assets | 12.3026% | 1,826 |
| Core capital (leverage) ratio | 9.3974% | 4,519 |
| Tier 1 risk-based capital ratio | 12.6144% | 5,097 |
| Total risk-based capital ratio | 13.6413% | 5,164 |
| Memoranda: | ||
| Average total assets | $220,846,500 | 2,792 |
| Average earning assets | $205,193,250 | 2,774 |
| Average equity | $25,396,500 | 2,632 |
| Average total loans | $111,801,750 | 3,200 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5562% | 5,269 |
| Cost of funding earning assets | 0.4135% | 3,732 |
| Net interest margin | 3.1427% | 5,112 |
| Noninterest income to average assets | 0.2628% | 5,323 |
| Noninterest expense to average assets | 1.6291% | 6,334 |
| Loan and lease loss provision to assets | 0.0619% | 3,030 |
| Net operating income to assets | 1.0720% | 2,033 |
| Return on assets (ROA) | 1.0720% | 2,114 |
| Pretax return on assets | 1.4901% | 1,568 |
| Return on Equity (ROE) | 9.5358% | 2,361 |
| Retained earnings to average equity (ytd only) | 6.3439% | 2,125 |
| Net charge-offs to loans | -0.0036% | 5,125 |
| Credit loss provision to net charge-offs | -3,450.0000% | 5,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6311% | 6,305 |
| Assets per employee ($millions) | 7.1015% | 764 |
| Cash dividends to net income (ytd only)* | 33.4728% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 3,595 |
| Loan loss allowance to noncurrent loans | 1,058.2734% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 5,107 |
| Noncurrent loans to loans | 0.1274% | 5,633 |
| Net loans and leases to total assets | 48.8889% | 5,095 |
| Net loans and leases to deposits | 59.5192% | 4,907 |
| Net loans and leases to core deposits | 60.5805% | 5,095 |
| Total domestic deposits to total assets | 82.1397% | 4,599 |
| Equity capital to assets | 11.7984% | 2,155 |
| Core capital (leverage) ratio | 8.9908% | 5,032 |
| Tier 1 risk-based capital ratio | 12.6633% | 5,112 |
| Total risk-based capital ratio | 13.7094% | 5,176 |
| Memoranda: | ||
| Average total assets | $222,943,330 | 2,789 |
| Average earning assets | $207,017,330 | 2,765 |
| Average equity | $25,063,330 | 2,654 |
| Average total loans | $110,581,000 | 3,231 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5348% | 5,336 |
| Cost of funding earning assets | 0.4209% | 3,747 |
| Net interest margin | 3.1139% | 5,197 |
| Noninterest income to average assets | 0.2550% | 5,321 |
| Noninterest expense to average assets | 1.6136% | 6,422 |
| Loan and lease loss provision to assets | 0.0642% | 2,837 |
| Net operating income to assets | 1.0484% | 2,013 |
| Return on assets (ROA) | 1.0484% | 2,081 |
| Pretax return on assets | 1.4531% | 1,575 |
| Return on Equity (ROE) | 9.5579% | 2,224 |
| Retained earnings to average equity (ytd only) | 6.3069% | 2,378 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7790% | 6,365 |
| Assets per employee ($millions) | 7.3254% | 684 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 3,784 |
| Loan loss allowance to noncurrent loans | 997.2222% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 5,225 |
| Noncurrent loans to loans | 0.1365% | 5,696 |
| Net loans and leases to total assets | 45.8091% | 5,348 |
| Net loans and leases to deposits | 53.0899% | 5,367 |
| Net loans and leases to core deposits | 54.1723% | 5,488 |
| Total domestic deposits to total assets | 86.2858% | 3,217 |
| Equity capital to assets | 11.0143% | 2,699 |
| Core capital (leverage) ratio | 8.8201% | 5,246 |
| Tier 1 risk-based capital ratio | 12.2418% | 5,477 |
| Total risk-based capital ratio | 13.2444% | 5,579 |
| Memoranda: | ||
| Average total assets | $224,341,000 | 2,782 |
| Average earning assets | $207,198,000 | 2,777 |
| Average equity | $24,608,000 | 2,681 |
| Average total loans | $111,322,000 | 3,236 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5480% | 5,540 |
| Cost of funding earning assets | 0.4807% | 3,812 |
| Net interest margin | 3.0673% | 5,412 |
| Noninterest income to average assets | 0.2994% | 5,205 |
| Noninterest expense to average assets | 1.6133% | 6,510 |
| Loan and lease loss provision to assets | 0.2271% | 1,605 |
| Net operating income to assets | 0.9562% | 2,535 |
| Return on assets (ROA) | 0.9943% | 2,422 |
| Pretax return on assets | 1.3652% | 1,914 |
| Return on Equity (ROE) | 8.9979% | 2,534 |
| Retained earnings to average equity (ytd only) | 5.6837% | 2,166 |
| Net charge-offs to loans | 0.0098% | 5,256 |
| Credit loss provision to net charge-offs | 4,960.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 336.4000% | 127 |
| Efficiency ratio | 47.1835% | 6,514 |
| Assets per employee ($millions) | 7.1483% | 708 |
| Cash dividends to net income (ytd only)* | 36.8324% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 4,692 |
| Loan loss allowance to noncurrent loans | 1,129.0323% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 5,340 |
| Noncurrent loans to loans | 0.1058% | 5,894 |
| Net loans and leases to total assets | 52.2491% | 4,813 |
| Net loans and leases to deposits | 63.7268% | 4,534 |
| Net loans and leases to core deposits | 64.8835% | 4,787 |
| Total domestic deposits to total assets | 81.9893% | 4,878 |
| Equity capital to assets | 10.9226% | 2,685 |
| Core capital (leverage) ratio | 8.5806% | 5,566 |
| Tier 1 risk-based capital ratio | 11.2298% | 6,060 |
| Total risk-based capital ratio | 12.1503% | 6,169 |
| Memoranda: | ||
| Average total assets | $218,436,600 | 2,826 |
| Average earning assets | $203,243,600 | 2,796 |
| Average equity | $24,139,000 | 2,714 |
| Average total loans | $102,503,600 | 3,391 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4855% | 5,721 |
| Cost of funding earning assets | 0.4890% | 3,881 |
| Net interest margin | 2.9965% | 5,605 |
| Noninterest income to average assets | 0.3008% | 5,297 |
| Noninterest expense to average assets | 1.6228% | 6,537 |
| Loan and lease loss provision to assets | 0.1433% | 2,492 |
| Net operating income to assets | 0.9601% | 2,537 |
| Return on assets (ROA) | 0.9985% | 2,468 |
| Pretax return on assets | 1.3728% | 2,024 |
| Return on Equity (ROE) | 9.0093% | 2,622 |
| Retained earnings to average equity (ytd only) | 5.6930% | 2,605 |
| Net charge-offs to loans | 0.0148% | 4,835 |
| Credit loss provision to net charge-offs | 2,127.2727% | 153 |
| Earnings coverage of net charge-offs (x) | 217.1268% | 269 |
| Efficiency ratio | 48.4518% | 6,484 |
| Assets per employee ($millions) | 6.8614% | 796 |
| Cash dividends to net income (ytd only)* | 36.8098% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 5,318 |
| Loan loss allowance to noncurrent loans | 719.6203% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.3366% | 5,401 |
| Noncurrent loans to loans | 0.1532% | 5,859 |
| Net loans and leases to total assets | 47.9387% | 5,351 |
| Net loans and leases to deposits | 56.1638% | 5,364 |
| Net loans and leases to core deposits | 56.9785% | 5,531 |
| Total domestic deposits to total assets | 85.3552% | 3,561 |
| Equity capital to assets | 11.3120% | 2,460 |
| Core capital (leverage) ratio | 8.6995% | 5,537 |
| Tier 1 risk-based capital ratio | 12.0702% | 5,740 |
| Total risk-based capital ratio | 12.9031% | 5,938 |
| Memoranda: | ||
| Average total assets | $217,646,750 | 2,860 |
| Average earning assets | $202,319,500 | 2,822 |
| Average equity | $24,122,750 | 2,750 |
| Average total loans | $98,834,000 | 3,505 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3982% | 5,914 |
| Cost of funding earning assets | 0.5002% | 3,898 |
| Net interest margin | 2.8980% | 5,804 |
| Noninterest income to average assets | 0.2991% | 5,311 |
| Noninterest expense to average assets | 1.6234% | 6,569 |
| Loan and lease loss provision to assets | 0.1341% | 2,647 |
| Net operating income to assets | 0.8994% | 2,801 |
| Return on assets (ROA) | 0.9540% | 2,698 |
| Pretax return on assets | 1.3115% | 2,258 |
| Return on Equity (ROE) | 8.6649% | 2,775 |
| Retained earnings to average equity (ytd only) | 5.3514% | 2,840 |
| Net charge-offs to loans | 0.0246% | 4,352 |
| Credit loss provision to net charge-offs | 1,225.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 125.2500% | 389 |
| Efficiency ratio | 49.8934% | 6,437 |
| Assets per employee ($millions) | 6.8163% | 785 |
| Cash dividends to net income (ytd only)* | 38.2409% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 5,438 |
| Loan loss allowance to noncurrent loans | 472.5225% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 5,376 |
| Noncurrent loans to loans | 0.2331% | 5,723 |
| Net loans and leases to total assets | 44.5730% | 5,692 |
| Net loans and leases to deposits | 52.0563% | 5,686 |
| Net loans and leases to core deposits | 52.8135% | 5,829 |
| Total domestic deposits to total assets | 85.6246% | 3,566 |
| Equity capital to assets | 10.9316% | 2,817 |
| Core capital (leverage) ratio | 8.2503% | 5,957 |
| Tier 1 risk-based capital ratio | 12.2108% | 5,671 |
| Total risk-based capital ratio | 13.0082% | 5,904 |
| Memoranda: | ||
| Average total assets | $219,294,670 | 2,852 |
| Average earning assets | $203,930,330 | 2,825 |
| Average equity | $24,143,330 | 2,757 |
| Average total loans | $97,410,670 | 3,554 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2866% | 6,174 |
| Cost of funding earning assets | 0.4761% | 4,315 |
| Net interest margin | 2.8105% | 6,009 |
| Noninterest income to average assets | 0.3619% | 4,770 |
| Noninterest expense to average assets | 1.6033% | 6,665 |
| Loan and lease loss provision to assets | 0.1075% | 2,902 |
| Net operating income to assets | 0.9244% | 2,547 |
| Return on assets (ROA) | 0.9244% | 2,688 |
| Pretax return on assets | 1.2737% | 2,320 |
| Return on Equity (ROE) | 8.3680% | 2,788 |
| Retained earnings to average equity (ytd only) | 5.1246% | 3,154 |
| Net charge-offs to loans | -0.0041% | 5,228 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2797% | 6,549 |
| Assets per employee ($millions) | 7.2510% | 688 |
| Cash dividends to net income (ytd only)* | 38.7597% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 5,819 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 5,224 |
| Noncurrent loans to loans | 0.3477% | 5,528 |
| Net loans and leases to total assets | 41.1491% | 5,904 |
| Net loans and leases to deposits | 47.5255% | 5,956 |
| Net loans and leases to core deposits | 48.6194% | 6,062 |
| Total domestic deposits to total assets | 86.5833% | 3,190 |
| Equity capital to assets | 10.9983% | 2,958 |
| Core capital (leverage) ratio | 7.8936% | 6,222 |
| Tier 1 risk-based capital ratio | 11.9839% | 5,924 |
| Total risk-based capital ratio | 12.7317% | 6,170 |
| Memoranda: | ||
| Average total assets | $223,289,500 | 2,841 |
| Average earning assets | $208,359,000 | 2,798 |
| Average equity | $24,665,500 | 2,739 |
| Average total loans | $98,499,000 | 3,549 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 5,663 |
| Cost of funding earning assets | 0.6382% | 4,020 |
| Net interest margin | 3.2330% | 5,482 |
| Noninterest income to average assets | 0.3665% | 4,857 |
| Noninterest expense to average assets | 1.7924% | 6,636 |
| Loan and lease loss provision to assets | 0.1106% | 4,252 |
| Net operating income to assets | 1.0408% | 2,164 |
| Return on assets (ROA) | 1.0959% | 2,133 |
| Pretax return on assets | 1.5324% | 1,584 |
| Return on Equity (ROE) | 9.9070% | 2,212 |
| Retained earnings to average equity (ytd only) | 5.5832% | 2,332 |
| Net charge-offs to loans | 0.0026% | 5,955 |
| Credit loss provision to net charge-offs | 9,250.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,310.0000% | 21 |
| Efficiency ratio | 49.8576% | 6,598 |
| Assets per employee ($millions) | 7.1548% | 722 |
| Cash dividends to net income (ytd only)* | 43.6443% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 6,302 |
| Loan loss allowance to noncurrent loans | 384.0336% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 5,415 |
| Noncurrent loans to loans | 0.2299% | 5,905 |
| Net loans and leases to total assets | 46.2644% | 5,586 |
| Net loans and leases to deposits | 54.2326% | 5,630 |
| Net loans and leases to core deposits | 55.1439% | 5,782 |
| Total domestic deposits to total assets | 85.3074% | 3,707 |
| Equity capital to assets | 11.0952% | 2,837 |
| Core capital (leverage) ratio | 7.8630% | 6,306 |
| Tier 1 risk-based capital ratio | 11.3222% | 6,204 |
| Total risk-based capital ratio | 12.0035% | 6,417 |
| Memoranda: | ||
| Average total assets | $167,259,400 | 3,496 |
| Average earning assets | $154,810,200 | 3,471 |
| Average equity | $18,502,000 | 3,405 |
| Average total loans | $77,511,600 | 4,107 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 5,648 |
| Cost of funding earning assets | 0.6774% | 3,957 |
| Net interest margin | 3.2763% | 5,469 |
| Noninterest income to average assets | 0.3784% | 4,793 |
| Noninterest expense to average assets | 1.8313% | 6,643 |
| Loan and lease loss provision to assets | 0.0807% | 4,624 |
| Net operating income to assets | 1.0713% | 2,205 |
| Return on assets (ROA) | 1.0831% | 2,355 |
| Pretax return on assets | 1.5093% | 1,847 |
| Return on Equity (ROE) | 9.8023% | 2,443 |
| Retained earnings to average equity (ytd only) | 5.0896% | 3,306 |
| Net charge-offs to loans | 0.0075% | 5,627 |
| Credit loss provision to net charge-offs | 2,325.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 453.5216% | 98 |
| Efficiency ratio | 53.7854% | 6,274 |
| Assets per employee ($millions) | 6.9282% | 770 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 6,379 |
| Loan loss allowance to noncurrent loans | 229.0503% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 5,517 |
| Noncurrent loans to loans | 0.3930% | 5,673 |
| Net loans and leases to total assets | 42.0316% | 6,131 |
| Net loans and leases to deposits | 49.5913% | 6,140 |
| Net loans and leases to core deposits | 50.4899% | 6,255 |
| Total domestic deposits to total assets | 84.7561% | 3,855 |
| Equity capital to assets | 11.3580% | 2,889 |
| Core capital (leverage) ratio | 7.9626% | 6,357 |
| Tier 1 risk-based capital ratio | 12.3617% | 5,727 |
| Total risk-based capital ratio | 13.0552% | 6,034 |
| Memoranda: | ||
| Average total assets | $153,624,500 | 3,761 |
| Average earning assets | $141,906,000 | 3,737 |
| Average equity | $16,975,250 | 3,660 |
| Average total loans | $71,007,500 | 4,366 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9487% | 5,784 |
| Cost of funding earning assets | 0.7312% | 3,756 |
| Net interest margin | 3.2175% | 5,680 |
| Noninterest income to average assets | 0.3557% | 4,988 |
| Noninterest expense to average assets | 1.8583% | 6,669 |
| Loan and lease loss provision to assets | 0.0931% | 4,395 |
| Net operating income to assets | 1.0104% | 2,420 |
| Return on assets (ROA) | 1.0312% | 2,556 |
| Pretax return on assets | 1.4185% | 2,136 |
| Return on Equity (ROE) | 9.4743% | 2,582 |
| Retained earnings to average equity (ytd only) | 3.9580% | 3,981 |
| Net charge-offs to loans | -0.0062% | 6,204 |
| Credit loss provision to net charge-offs | -3,100.0000% | 6,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6155% | 6,159 |
| Assets per employee ($millions) | 6.9805% | 733 |
| Cash dividends to net income (ytd only)* | 58.2242% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 6,569 |
| Loan loss allowance to noncurrent loans | 312.9921% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 5,733 |
| Noncurrent loans to loans | 0.2714% | 6,037 |
| Net loans and leases to total assets | 44.3072% | 5,990 |
| Net loans and leases to deposits | 51.9144% | 6,033 |
| Net loans and leases to core deposits | 53.4214% | 6,131 |
| Total domestic deposits to total assets | 85.3468% | 3,689 |
| Equity capital to assets | 11.2996% | 2,787 |
| Core capital (leverage) ratio | 9.2663% | 4,502 |
| Tier 1 risk-based capital ratio | 12.0593% | 5,888 |
| Total risk-based capital ratio | 12.7361% | 6,202 |
| Memoranda: | ||
| Average total assets | $133,241,330 | 4,136 |
| Average earning assets | $123,636,330 | 4,089 |
| Average equity | $14,502,330 | 4,090 |
| Average total loans | $64,312,330 | 4,627 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 5,262 |
| Cost of funding earning assets | 0.9067% | 2,638 |
| Net interest margin | 3.2492% | 5,628 |
| Noninterest income to average assets | 0.4162% | 4,549 |
| Noninterest expense to average assets | 1.7277% | 6,876 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2785% | 1,508 |
| Return on assets (ROA) | 1.3368% | 1,522 |
| Pretax return on assets | 1.8412% | 993 |
| Return on Equity (ROE) | 12.8200% | 1,456 |
| Retained earnings to average equity (ytd only) | 4.7571% | 3,704 |
| Net charge-offs to loans | -0.0242% | 6,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5181% | 6,705 |
| Assets per employee ($millions) | 7.6177% | 571 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 3,934 |
| Loan loss allowance to noncurrent loans | 551.8797% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 5,010 |
| Noncurrent loans to loans | 0.2812% | 6,119 |
| Net loans and leases to total assets | 47.0150% | 5,682 |
| Net loans and leases to deposits | 55.9281% | 5,609 |
| Net loans and leases to core deposits | 59.3925% | 5,587 |
| Total domestic deposits to total assets | 84.0634% | 4,456 |
| Equity capital to assets | 10.0454% | 4,072 |
| Core capital (leverage) ratio | 9.6834% | 3,792 |
| Tier 1 risk-based capital ratio | 13.7810% | 4,627 |
| Total risk-based capital ratio | 14.9460% | 4,664 |
| Memoranda: | ||
| Average total assets | $95,154,500 | 5,059 |
| Average earning assets | $89,992,500 | 4,971 |
| Average equity | $9,922,000 | 5,062 |
| Average total loans | $49,678,000 | 5,241 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 5,285 |
| Cost of funding earning assets | 1.1036% | 2,649 |
| Net interest margin | 3.3347% | 5,708 |
| Noninterest income to average assets | 0.3312% | 5,166 |
| Noninterest expense to average assets | 1.6535% | 7,079 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3338% | 1,170 |
| Return on assets (ROA) | 1.4043% | 1,105 |
| Pretax return on assets | 1.9459% | 600 |
| Return on Equity (ROE) | 13.1604% | 1,130 |
| Retained earnings to average equity (ytd only) | 4.6285% | 2,892 |
| Net charge-offs to loans | 0.0020% | 6,427 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1,624.0000% | 10 |
| Efficiency ratio | 47.2213% | 6,985 |
| Assets per employee ($millions) | 7.0215% | 729 |
| Cash dividends to net income (ytd only)* | 64.8298% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 4,436 |
| Loan loss allowance to noncurrent loans | 349.7608% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.9159% | 4,781 |
| Noncurrent loans to loans | 0.4014% | 5,910 |
| Net loans and leases to total assets | 56.2364% | 4,661 |
| Net loans and leases to deposits | 66.4260% | 4,678 |
| Net loans and leases to core deposits | 71.1167% | 4,635 |
| Total domestic deposits to total assets | 84.6602% | 4,012 |
| Equity capital to assets | 10.8415% | 3,146 |
| Core capital (leverage) ratio | 10.1585% | 3,157 |
| Tier 1 risk-based capital ratio | 13.3456% | 4,810 |
| Total risk-based capital ratio | 14.4841% | 4,866 |
| Memoranda: | ||
| Average total assets | $87,875,000 | 5,242 |
| Average earning assets | $83,546,800 | 5,130 |
| Average equity | $9,376,600 | 5,191 |
| Average total loans | $49,002,200 | 5,300 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 5,573 |
| Cost of funding earning assets | 1.1277% | 2,780 |
| Net interest margin | 3.2833% | 5,909 |
| Noninterest income to average assets | 0.3309% | 5,216 |
| Noninterest expense to average assets | 1.6623% | 7,132 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2963% | 1,384 |
| Return on assets (ROA) | 1.3912% | 1,252 |
| Pretax return on assets | 1.9274% | 734 |
| Return on Equity (ROE) | 13.0926% | 1,255 |
| Retained earnings to average equity (ytd only) | 4.4411% | 3,565 |
| Net charge-offs to loans | 0.0083% | 6,046 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 390.6575% | 94 |
| Efficiency ratio | 48.0727% | 6,957 |
| Assets per employee ($millions) | 6.8533% | 799 |
| Cash dividends to net income (ytd only)* | 66.0791% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 4,253 |
| Loan loss allowance to noncurrent loans | 192.8571% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 1.1269% | 4,526 |
| Noncurrent loans to loans | 0.7618% | 5,350 |
| Net loans and leases to total assets | 54.8775% | 5,016 |
| Net loans and leases to deposits | 68.6329% | 4,496 |
| Net loans and leases to core deposits | 73.0844% | 4,575 |
| Total domestic deposits to total assets | 79.9580% | 5,754 |
| Equity capital to assets | 10.9874% | 3,159 |
| Core capital (leverage) ratio | 10.3113% | 3,068 |
| Tier 1 risk-based capital ratio | 13.6814% | 4,590 |
| Total risk-based capital ratio | 14.8621% | 4,610 |
| Memoranda: | ||
| Average total assets | $87,024,000 | 5,298 |
| Average earning assets | $82,883,250 | 5,191 |
| Average equity | $9,246,750 | 5,247 |
| Average total loans | $48,237,000 | 5,375 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 5,744 |
| Cost of funding earning assets | 1.1635% | 2,823 |
| Net interest margin | 3.2232% | 6,086 |
| Noninterest income to average assets | 0.3938% | 4,731 |
| Noninterest expense to average assets | 1.6911% | 7,183 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2981% | 1,323 |
| Return on assets (ROA) | 1.3065% | 1,373 |
| Pretax return on assets | 1.7884% | 902 |
| Return on Equity (ROE) | 12.4421% | 1,361 |
| Retained earnings to average equity (ytd only) | 3.6179% | 3,931 |
| Net charge-offs to loans | -0.0126% | 6,735 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7642% | 7,018 |
| Assets per employee ($millions) | 6.6378% | 864 |
| Cash dividends to net income (ytd only)* | 70.9220% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 3,845 |
| Loan loss allowance to noncurrent loans | 278.4091% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 1.2539% | 4,389 |
| Noncurrent loans to loans | 0.5619% | 5,795 |
| Net loans and leases to total assets | 53.5982% | 5,352 |
| Net loans and leases to deposits | 65.2664% | 5,103 |
| Net loans and leases to core deposits | 67.4842% | 5,343 |
| Total domestic deposits to total assets | 82.1223% | 5,125 |
| Equity capital to assets | 10.9523% | 3,008 |
| Core capital (leverage) ratio | 10.0428% | 3,211 |
| Tier 1 risk-based capital ratio | 13.9977% | 4,176 |
| Total risk-based capital ratio | 15.2355% | 4,155 |
| Memoranda: | ||
| Average total assets | $86,334,330 | 5,363 |
| Average earning assets | $82,339,330 | 5,252 |
| Average equity | $9,066,000 | 5,303 |
| Average total loans | $47,775,670 | 5,447 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2743% | 6,087 |
| Cost of funding earning assets | 1.1900% | 2,883 |
| Net interest margin | 3.0843% | 6,386 |
| Noninterest income to average assets | 0.4493% | 4,293 |
| Noninterest expense to average assets | 1.6999% | 7,228 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2375% | 1,432 |
| Return on assets (ROA) | 1.2645% | 1,408 |
| Pretax return on assets | 1.7277% | 934 |
| Return on Equity (ROE) | 12.3063% | 1,375 |
| Retained earnings to average equity (ytd only) | 3.2907% | 4,210 |
| Net charge-offs to loans | -0.0166% | 6,513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1366% | 6,976 |
| Assets per employee ($millions) | 6.7422% | 830 |
| Cash dividends to net income (ytd only)* | 73.2601% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 3,913 |
| Loan loss allowance to noncurrent loans | 279.0875% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 1.2390% | 4,474 |
| Noncurrent loans to loans | 0.5591% | 5,907 |
| Net loans and leases to total assets | 52.8335% | 5,481 |
| Net loans and leases to deposits | 63.0067% | 5,382 |
| Net loans and leases to core deposits | 65.0832% | 5,615 |
| Total domestic deposits to total assets | 83.8538% | 4,545 |
| Equity capital to assets | 10.1975% | 3,544 |
| Core capital (leverage) ratio | 9.8939% | 3,276 |
| Tier 1 risk-based capital ratio | 13.6710% | 4,310 |
| Total risk-based capital ratio | 14.8911% | 4,300 |
| Memoranda: | ||
| Average total assets | $86,355,500 | 5,398 |
| Average earning assets | $82,353,000 | 5,293 |
| Average equity | $8,873,500 | 5,367 |
| Average total loans | $48,170,500 | 5,477 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8707% | 5,153 |
| Cost of funding earning assets | 1.3605% | 3,511 |
| Net interest margin | 3.5102% | 5,208 |
| Noninterest income to average assets | 0.3944% | 4,949 |
| Noninterest expense to average assets | 1.6215% | 7,395 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4324% | 886 |
| Return on assets (ROA) | 1.4324% | 949 |
| Pretax return on assets | 2.0585% | 430 |
| Return on Equity (ROE) | 13.0925% | 1,067 |
| Retained earnings to average equity (ytd only) | 3.9369% | 3,108 |
| Net charge-offs to loans | -0.0062% | 7,288 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0626% | 7,418 |
| Assets per employee ($millions) | 6.5432% | 931 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 4,094 |
| Loan loss allowance to noncurrent loans | 746.9388% | 457 |
| Noncurrent assets plus other real estate owned to assets | 1.0686% | 4,868 |
| Noncurrent loans to loans | 0.1988% | 6,671 |
| Net loans and leases to total assets | 57.0960% | 5,172 |
| Net loans and leases to deposits | 67.1650% | 5,221 |
| Net loans and leases to core deposits | 70.1632% | 5,428 |
| Total domestic deposits to total assets | 85.0086% | 3,846 |
| Equity capital to assets | 10.3560% | 3,324 |
| Core capital (leverage) ratio | 10.7096% | 2,377 |
| Tier 1 risk-based capital ratio | 13.4176% | 4,282 |
| Total risk-based capital ratio | 14.6144% | 4,278 |
| Memoranda: | ||
| Average total assets | $79,864,600 | 5,598 |
| Average earning assets | $74,753,000 | 5,518 |
| Average equity | $8,737,800 | 5,493 |
| Average total loans | $48,566,800 | 5,536 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 4,810 |
| Cost of funding earning assets | 1.4171% | 3,474 |
| Net interest margin | 3.5838% | 4,950 |
| Noninterest income to average assets | 0.4073% | 4,899 |
| Noninterest expense to average assets | 1.6461% | 7,472 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4561% | 1,009 |
| Return on assets (ROA) | 1.4561% | 1,084 |
| Pretax return on assets | 2.0959% | 509 |
| Return on Equity (ROE) | 13.1189% | 1,226 |
| Retained earnings to average equity (ytd only) | 3.9448% | 3,699 |
| Net charge-offs to loans | -0.0055% | 7,219 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9909% | 7,462 |
| Assets per employee ($millions) | 6.1205% | 1,162 |
| Cash dividends to net income (ytd only)* | 69.9302% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 3,896 |
| Loan loss allowance to noncurrent loans | 731.0000% | 468 |
| Noncurrent assets plus other real estate owned to assets | 1.1399% | 4,841 |
| Noncurrent loans to loans | 0.2072% | 6,767 |
| Net loans and leases to total assets | 59.7358% | 4,956 |
| Net loans and leases to deposits | 71.7445% | 4,875 |
| Net loans and leases to core deposits | 72.6525% | 5,445 |
| Total domestic deposits to total assets | 83.2619% | 4,478 |
| Equity capital to assets | 11.3037% | 2,700 |
| Core capital (leverage) ratio | 10.7408% | 2,477 |
| Tier 1 risk-based capital ratio | 13.9780% | 3,858 |
| Total risk-based capital ratio | 15.2273% | 3,823 |
| Memoranda: | ||
| Average total assets | $78,565,250 | 5,700 |
| Average earning assets | $73,104,250 | 5,631 |
| Average equity | $8,720,000 | 5,571 |
| Average total loans | $48,383,750 | 5,626 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0595% | 4,658 |
| Cost of funding earning assets | 1.4428% | 3,601 |
| Net interest margin | 3.6167% | 4,745 |
| Noninterest income to average assets | 0.4039% | 4,885 |
| Noninterest expense to average assets | 1.6796% | 7,513 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4419% | 1,008 |
| Return on assets (ROA) | 1.4419% | 1,077 |
| Pretax return on assets | 2.0759% | 513 |
| Return on Equity (ROE) | 13.0727% | 1,223 |
| Retained earnings to average equity (ytd only) | 3.8013% | 3,674 |
| Net charge-offs to loans | -0.0083% | 7,171 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7243% | 7,500 |
| Assets per employee ($millions) | 6.0352% | 1,201 |
| Cash dividends to net income (ytd only)* | 70.9220% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 3,671 |
| Loan loss allowance to noncurrent loans | 708.7379% | 475 |
| Noncurrent assets plus other real estate owned to assets | 1.1446% | 4,841 |
| Noncurrent loans to loans | 0.2187% | 6,806 |
| Net loans and leases to total assets | 59.1114% | 5,227 |
| Net loans and leases to deposits | 68.2577% | 5,532 |
| Net loans and leases to core deposits | 69.3675% | 5,935 |
| Total domestic deposits to total assets | 86.6003% | 2,752 |
| Equity capital to assets | 11.1857% | 2,701 |
| Core capital (leverage) ratio | 10.8617% | 2,356 |
| Tier 1 risk-based capital ratio | 13.9601% | 3,759 |
| Total risk-based capital ratio | 15.2103% | 3,721 |
| Memoranda: | ||
| Average total assets | $78,231,330 | 5,750 |
| Average earning assets | $72,497,000 | 5,689 |
| Average equity | $8,628,670 | 5,602 |
| Average total loans | $48,424,670 | 5,670 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 5,092 |
| Cost of funding earning assets | 1.4591% | 3,812 |
| Net interest margin | 3.5247% | 5,064 |
| Noninterest income to average assets | 0.3533% | 5,314 |
| Noninterest expense to average assets | 1.6539% | 7,617 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4030% | 1,069 |
| Return on assets (ROA) | 1.4030% | 1,141 |
| Pretax return on assets | 2.0021% | 603 |
| Return on Equity (ROE) | 12.8112% | 1,291 |
| Retained earnings to average equity (ytd only) | 3.4600% | 4,073 |
| Net charge-offs to loans | -0.0081% | 6,860 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2381% | 7,582 |
| Assets per employee ($millions) | 5.9030% | 1,336 |
| Cash dividends to net income (ytd only)* | 72.9927% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 3,818 |
| Loan loss allowance to noncurrent loans | 695.2381% | 459 |
| Noncurrent assets plus other real estate owned to assets | 1.2106% | 4,753 |
| Noncurrent loans to loans | 0.2185% | 6,898 |
| Net loans and leases to total assets | 61.6779% | 4,821 |
| Net loans and leases to deposits | 71.5792% | 5,112 |
| Net loans and leases to core deposits | 73.3280% | 5,572 |
| Total domestic deposits to total assets | 86.1674% | 3,052 |
| Equity capital to assets | 11.2198% | 2,567 |
| Core capital (leverage) ratio | 10.7234% | 2,437 |
| Tier 1 risk-based capital ratio | 14.0318% | 3,633 |
| Total risk-based capital ratio | 15.2818% | 3,597 |
| Memoranda: | ||
| Average total assets | $78,118,500 | 5,821 |
| Average earning assets | $73,197,000 | 5,740 |
| Average equity | $8,555,000 | 5,676 |
| Average total loans | $49,083,500 | 5,707 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4156% | 4,621 |
| Cost of funding earning assets | 1.7853% | 4,075 |
| Net interest margin | 3.6303% | 4,431 |
| Noninterest income to average assets | -0.0013% | 7,709 |
| Noninterest expense to average assets | 1.7156% | 7,687 |
| Loan and lease loss provision to assets | 0.0782% | 6,817 |
| Net operating income to assets | 1.1539% | 1,376 |
| Return on assets (ROA) | 1.1576% | 1,391 |
| Pretax return on assets | 1.6165% | 931 |
| Return on Equity (ROE) | 10.5476% | 1,537 |
| Retained earnings to average equity (ytd only) | 1.0453% | 4,307 |
| Net charge-offs to loans | -0.1109% | 7,888 |
| Credit loss provision to net charge-offs | -109.0909% | 7,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3828% | 7,516 |
| Assets per employee ($millions) | 6.1152% | 1,176 |
| Cash dividends to net income (ytd only)* | 90.0901% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 3,946 |
| Loan loss allowance to noncurrent loans | 668.8073% | 518 |
| Noncurrent assets plus other real estate owned to assets | 1.1547% | 4,785 |
| Noncurrent loans to loans | 0.2175% | 6,883 |
| Net loans and leases to total assets | 62.1110% | 4,968 |
| Net loans and leases to deposits | 74.8386% | 4,903 |
| Net loans and leases to core deposits | 88.2741% | 5,300 |
| Total domestic deposits to total assets | 82.9933% | 4,525 |
| Equity capital to assets | 10.6921% | 2,973 |
| Core capital (leverage) ratio | 10.6050% | 2,500 |
| Tier 1 risk-based capital ratio | 13.4468% | 3,853 |
| Total risk-based capital ratio | 14.6913% | 3,806 |
| Memoranda: | ||
| Average total assets | $76,708,200 | 5,814 |
| Average earning assets | $71,977,000 | 5,752 |
| Average equity | $8,419,000 | 5,794 |
| Average total loans | $49,604,000 | 5,689 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4739% | 4,554 |
| Cost of funding earning assets | 1.8557% | 4,121 |
| Net interest margin | 3.6182% | 4,414 |
| Noninterest income to average assets | 0.3877% | 5,410 |
| Noninterest expense to average assets | 1.9278% | 7,499 |
| Loan and lease loss provision to assets | 0.0877% | 6,491 |
| Net operating income to assets | 1.2639% | 1,306 |
| Return on assets (ROA) | 1.2191% | 1,479 |
| Pretax return on assets | 1.7085% | 958 |
| Return on Equity (ROE) | 11.0331% | 1,614 |
| Retained earnings to average equity (ytd only) | 1.5081% | 4,471 |
| Net charge-offs to loans | 0.0296% | 6,470 |
| Credit loss provision to net charge-offs | 454.5455% | 865 |
| Earnings coverage of net charge-offs (x) | 96.3395% | 366 |
| Efficiency ratio | 50.9032% | 7,491 |
| Assets per employee ($millions) | 5.8641% | 1,313 |
| Cash dividends to net income (ytd only)* | 86.3313% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 4,522 |
| Loan loss allowance to noncurrent loans | 593.6364% | 551 |
| Noncurrent assets plus other real estate owned to assets | 1.4482% | 4,214 |
| Noncurrent loans to loans | 0.2185% | 6,949 |
| Net loans and leases to total assets | 65.1673% | 4,609 |
| Net loans and leases to deposits | 78.6732% | 4,625 |
| Net loans and leases to core deposits | 92.2715% | 5,211 |
| Total domestic deposits to total assets | 82.8329% | 4,311 |
| Equity capital to assets | 11.2681% | 2,775 |
| Core capital (leverage) ratio | 10.8603% | 2,517 |
| Tier 1 risk-based capital ratio | 13.6493% | 3,746 |
| Total risk-based capital ratio | 14.7851% | 3,759 |
| Memoranda: | ||
| Average total assets | $76,010,750 | 5,874 |
| Average earning assets | $71,416,000 | 5,805 |
| Average equity | $8,398,750 | 5,854 |
| Average total loans | $49,478,500 | 5,745 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5008% | 4,625 |
| Cost of funding earning assets | 1.9208% | 4,161 |
| Net interest margin | 3.5800% | 4,449 |
| Noninterest income to average assets | 0.4056% | 5,237 |
| Noninterest expense to average assets | 1.7699% | 7,775 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4132% | 995 |
| Return on assets (ROA) | 1.3459% | 1,201 |
| Pretax return on assets | 1.8937% | 704 |
| Return on Equity (ROE) | 12.2615% | 1,343 |
| Retained earnings to average equity (ytd only) | 2.6635% | 3,846 |
| Net charge-offs to loans | 0.0447% | 5,839 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 68.6364% | 539 |
| Efficiency ratio | 47.0918% | 7,798 |
| Assets per employee ($millions) | 5.7530% | 1,381 |
| Cash dividends to net income (ytd only)* | 78.2779% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 4,577 |
| Loan loss allowance to noncurrent loans | 427.6596% | 746 |
| Noncurrent assets plus other real estate owned to assets | 1.6339% | 3,763 |
| Noncurrent loans to loans | 0.2932% | 6,784 |
| Net loans and leases to total assets | 63.4906% | 5,079 |
| Net loans and leases to deposits | 75.3978% | 5,261 |
| Net loans and leases to core deposits | 87.3880% | 5,777 |
| Total domestic deposits to total assets | 84.2076% | 3,642 |
| Equity capital to assets | 11.2570% | 2,707 |
| Core capital (leverage) ratio | 11.0811% | 2,345 |
| Tier 1 risk-based capital ratio | 12.6261% | 4,420 |
| Total risk-based capital ratio | 13.5930% | 4,569 |
| Memoranda: | ||
| Average total assets | $75,936,670 | 5,920 |
| Average earning assets | $71,117,000 | 5,849 |
| Average equity | $8,335,000 | 5,908 |
| Average total loans | $49,194,000 | 5,802 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5125% | 4,844 |
| Cost of funding earning assets | 1.9624% | 4,322 |
| Net interest margin | 3.5502% | 4,526 |
| Noninterest income to average assets | 0.4182% | 5,075 |
| Noninterest expense to average assets | 1.5580% | 7,938 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5214% | 901 |
| Return on assets (ROA) | 1.5214% | 972 |
| Pretax return on assets | 2.1801% | 457 |
| Return on Equity (ROE) | 14.0359% | 1,163 |
| Retained earnings to average equity (ytd only) | 4.3892% | 3,475 |
| Net charge-offs to loans | 0.1045% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 32.0769% | 1,008 |
| Efficiency ratio | 41.6783% | 8,010 |
| Assets per employee ($millions) | 5.7555% | 1,356 |
| Cash dividends to net income (ytd only)* | 68.7285% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 4,426 |
| Loan loss allowance to noncurrent loans | 420.2797% | 830 |
| Noncurrent assets plus other real estate owned to assets | 1.8217% | 3,184 |
| Noncurrent loans to loans | 0.2976% | 6,699 |
| Net loans and leases to total assets | 63.4132% | 5,087 |
| Net loans and leases to deposits | 74.2334% | 5,451 |
| Net loans and leases to core deposits | 86.1107% | 5,890 |
| Total domestic deposits to total assets | 85.4241% | 3,004 |
| Equity capital to assets | 11.1518% | 2,852 |
| Core capital (leverage) ratio | 10.9003% | 2,584 |
| Tier 1 risk-based capital ratio | 13.6891% | 3,746 |
| Total risk-based capital ratio | 14.7365% | 3,797 |
| Memoranda: | ||
| Average total assets | $76,510,500 | 5,928 |
| Average earning assets | $71,546,000 | 5,861 |
| Average equity | $8,293,000 | 5,959 |
| Average total loans | $49,747,500 | 5,805 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0467% | 5,311 |
| Cost of funding earning assets | 2.4266% | 4,596 |
| Net interest margin | 3.6201% | 4,786 |
| Noninterest income to average assets | 0.3387% | 6,030 |
| Noninterest expense to average assets | 1.5714% | 7,988 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5715% | 884 |
| Return on assets (ROA) | 1.1039% | 2,043 |
| Pretax return on assets | 1.5263% | 1,609 |
| Return on Equity (ROE) | 10.1554% | 2,202 |
| Retained earnings to average equity (ytd only) | 0.3788% | 5,016 |
| Net charge-offs to loans | 0.0165% | 6,644 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 204.7500% | 234 |
| Efficiency ratio | 41.9355% | 8,071 |
| Assets per employee ($millions) | 6.0153% | 1,127 |
| Cash dividends to net income (ytd only)* | 96.2696% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 4,581 |
| Loan loss allowance to noncurrent loans | 344.9438% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 1.4936% | 3,233 |
| Noncurrent loans to loans | 0.3460% | 6,338 |
| Net loans and leases to total assets | 65.0047% | 5,067 |
| Net loans and leases to deposits | 77.2468% | 5,440 |
| Net loans and leases to core deposits | 88.8969% | 5,899 |
| Total domestic deposits to total assets | 84.1520% | 3,241 |
| Equity capital to assets | 10.5398% | 3,449 |
| Core capital (leverage) ratio | 10.8769% | 2,687 |
| Tier 1 risk-based capital ratio | 12.9856% | 4,119 |
| Total risk-based capital ratio | 14.0193% | 4,169 |
| Memoranda: | ||
| Average total assets | $75,281,200 | 5,865 |
| Average earning assets | $70,881,200 | 5,783 |
| Average equity | $8,182,800 | 6,009 |
| Average total loans | $48,549,800 | 5,755 |