Home > Scott State Bank > Performance and Condition Ratios
Scott 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 | 3.8209% | 4,160 |
| Cost of funding earning assets | 0.6341% | 4,025 |
| Net interest margin | 3.1868% | 2,910 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.4836% | 2,343 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9688% | 2,312 |
| Return on assets (ROA) | 0.9693% | 2,295 |
| Pretax return on assets | 0.9783% | 2,728 |
| Return on Equity (ROE) | 11.8700% | 1,984 |
| Retained earnings to average equity (ytd only) | -5.2650% | 4,398 |
| Net charge-offs to loans | 0.0219% | 1,892 |
| Credit loss provision to net charge-offs | 340.9091% | 871 |
| Earnings coverage of net charge-offs (x) | 97.2727% | 919 |
| Efficiency ratio | 71.0223% | 1,756 |
| Assets per employee ($millions) | 4.6348% | 3,865 |
| Cash dividends to net income (ytd only)* | 144.3576% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 3,425 |
| Loan loss allowance to noncurrent loans | 294.6779% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 2,426 |
| Noncurrent loans to loans | 0.3318% | 1,994 |
| Net loans and leases to total assets | 49.9800% | 3,591 |
| Net loans and leases to deposits | 58.2866% | 3,619 |
| Net loans and leases to core deposits | 62.6957% | 3,649 |
| Total domestic deposits to total assets | 85.7400% | 2,094 |
| Equity capital to assets | 8.3404% | 3,164 |
| Core capital (leverage) ratio | 12.4845% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $211,187,200 | 2,902 |
| Average earning assets | $195,871,000 | 2,906 |
| Average equity | $17,246,000 | 3,075 |
| Average total loans | $100,471,200 | 3,168 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7379% | 4,169 |
| Cost of funding earning assets | 0.4992% | 4,136 |
| Net interest margin | 3.2387% | 2,826 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.4377% | 2,415 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0340% | 2,266 |
| Return on assets (ROA) | 1.0271% | 2,269 |
| Pretax return on assets | 1.0360% | 2,754 |
| Return on Equity (ROE) | 12.6500% | 1,966 |
| Retained earnings to average equity (ytd only) | 6.4125% | 2,493 |
| Net charge-offs to loans | 0.0284% | 1,509 |
| Credit loss provision to net charge-offs | 357.1429% | 782 |
| Earnings coverage of net charge-offs (x) | 82.0476% | 1,035 |
| Efficiency ratio | 69.0942% | 1,889 |
| Assets per employee ($millions) | 3.9247% | 4,198 |
| Cash dividends to net income (ytd only)* | 49.2914% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 3,329 |
| Loan loss allowance to noncurrent loans | 658.1250% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,080 |
| Noncurrent loans to loans | 0.1529% | 2,786 |
| Net loans and leases to total assets | 49.8100% | 3,628 |
| Net loans and leases to deposits | 57.3979% | 3,639 |
| Net loans and leases to core deposits | 58.7204% | 3,755 |
| Total domestic deposits to total assets | 86.7700% | 1,961 |
| Equity capital to assets | 7.8940% | 3,126 |
| Core capital (leverage) ratio | 13.2275% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $210,683,250 | 2,915 |
| Average earning assets | $195,503,500 | 2,916 |
| Average equity | $17,112,000 | 3,076 |
| Average total loans | $98,688,000 | 3,192 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6358% | 4,212 |
| Cost of funding earning assets | 0.3902% | 4,182 |
| Net interest margin | 3.2455% | 2,875 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.4521% | 2,343 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.9906% | 2,450 |
| Return on assets (ROA) | 0.9878% | 2,448 |
| Pretax return on assets | 0.9973% | 2,915 |
| Return on Equity (ROE) | 12.0500% | 2,143 |
| Retained earnings to average equity (ytd only) | 5.7085% | 2,725 |
| Net charge-offs to loans | 0.0290% | 1,310 |
| Credit loss provision to net charge-offs | 535.7143% | 626 |
| Earnings coverage of net charge-offs (x) | 80.9286% | 1,046 |
| Efficiency ratio | 69.6002% | 1,803 |
| Assets per employee ($millions) | 4.3567% | 4,031 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,136 |
| Loan loss allowance to noncurrent loans | 361.7747% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 2,569 |
| Noncurrent loans to loans | 0.2933% | 2,087 |
| Net loans and leases to total assets | 47.2600% | 3,728 |
| Net loans and leases to deposits | 51.8091% | 3,848 |
| Net loans and leases to core deposits | 52.8402% | 3,924 |
| Total domestic deposits to total assets | 91.2200% | 577 |
| Equity capital to assets | 8.4506% | 2,900 |
| Core capital (leverage) ratio | 13.1108% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $211,575,333 | 2,925 |
| Average earning assets | $195,776,667 | 2,923 |
| Average equity | $17,342,667 | 3,075 |
| Average total loans | $96,699,333 | 3,211 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,229 |
| Cost of funding earning assets | 0.3864% | 4,001 |
| Net interest margin | 3.1480% | 3,242 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.3628% | 2,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0489% | 2,390 |
| Return on assets (ROA) | 1.0489% | 2,356 |
| Pretax return on assets | 1.0583% | 2,836 |
| Return on Equity (ROE) | 12.9900% | 1,990 |
| Retained earnings to average equity (ytd only) | 12.9934% | 1,097 |
| Net charge-offs to loans | 0.0294% | 1,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 80.4286% | 890 |
| Efficiency ratio | 69.0659% | 1,852 |
| Assets per employee ($millions) | 4.3394% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,265 |
| Loan loss allowance to noncurrent loans | 332.8859% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 2,527 |
| Noncurrent loans to loans | 0.3171% | 2,006 |
| Net loans and leases to total assets | 43.7300% | 3,879 |
| Net loans and leases to deposits | 47.9227% | 3,962 |
| Net loans and leases to core deposits | 48.7844% | 4,029 |
| Total domestic deposits to total assets | 91.2500% | 719 |
| Equity capital to assets | 8.5316% | 2,867 |
| Core capital (leverage) ratio | 13.0846% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $212,802,000 | 2,952 |
| Average earning assets | $196,693,500 | 2,947 |
| Average equity | $17,178,000 | 3,117 |
| Average total loans | $95,105,000 | 3,270 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0536% | 4,067 |
| Cost of funding earning assets | 0.1735% | 3,974 |
| Net interest margin | 2.8802% | 3,725 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.3509% | 2,579 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.8093% | 3,295 |
| Return on assets (ROA) | 0.7946% | 3,280 |
| Pretax return on assets | 0.8027% | 3,617 |
| Return on Equity (ROE) | 8.5600% | 3,239 |
| Retained earnings to average equity (ytd only) | 4.2847% | 3,306 |
| Net charge-offs to loans | 0.0035% | 2,334 |
| Credit loss provision to net charge-offs | 5,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 616.3333% | 280 |
| Efficiency ratio | 72.5423% | 1,379 |
| Assets per employee ($millions) | 4.3464% | 4,115 |
| Cash dividends to net income (ytd only)* | 49.9697% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 3,410 |
| Loan loss allowance to noncurrent loans | 269.3820% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 2,371 |
| Noncurrent loans to loans | 0.3699% | 1,817 |
| Net loans and leases to total assets | 44.7400% | 3,858 |
| Net loans and leases to deposits | 52.1150% | 3,796 |
| Net loans and leases to core deposits | 52.9112% | 3,873 |
| Total domestic deposits to total assets | 85.8400% | 2,770 |
| Equity capital to assets | 7.6137% | 3,321 |
| Core capital (leverage) ratio | 12.8992% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $207,788,600 | 2,992 |
| Average earning assets | $193,703,800 | 2,980 |
| Average equity | $19,278,000 | 3,011 |
| Average total loans | $84,673,800 | 3,347 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9254% | 4,024 |
| Cost of funding earning assets | 0.1120% | 4,179 |
| Net interest margin | 2.8134% | 3,706 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.3070% | 2,611 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.7624% | 3,379 |
| Return on assets (ROA) | 0.7432% | 3,390 |
| Pretax return on assets | 0.7748% | 3,642 |
| Return on Equity (ROE) | 7.6600% | 3,416 |
| Retained earnings to average equity (ytd only) | 3.9978% | 3,445 |
| Net charge-offs to loans | 0.0082% | 1,840 |
| Credit loss provision to net charge-offs | 2,000.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 266.2000% | 517 |
| Efficiency ratio | 72.8589% | 1,399 |
| Assets per employee ($millions) | 4.1452% | 4,257 |
| Cash dividends to net income (ytd only)* | 47.7845% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,549 |
| Loan loss allowance to noncurrent loans | 250.5525% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 2,414 |
| Noncurrent loans to loans | 0.3939% | 1,828 |
| Net loans and leases to total assets | 43.9100% | 3,880 |
| Net loans and leases to deposits | 49.9514% | 3,859 |
| Net loans and leases to core deposits | 51.1003% | 3,900 |
| Total domestic deposits to total assets | 87.9000% | 2,457 |
| Equity capital to assets | 7.1876% | 3,413 |
| Core capital (leverage) ratio | 12.8748% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $206,492,750 | 3,021 |
| Average earning assets | $192,879,500 | 3,005 |
| Average equity | $20,043,750 | 2,991 |
| Average total loans | $81,783,750 | 3,401 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7777% | 4,014 |
| Cost of funding earning assets | 0.0924% | 4,271 |
| Net interest margin | 2.6853% | 3,726 |
| Noninterest income to average assets | 0.5460% | 1,965 |
| Noninterest expense to average assets | 2.2954% | 2,563 |
| Loan and lease loss provision to assets | 0.0533% | 1,624 |
| Net operating income to assets | 0.6798% | 3,379 |
| Return on assets (ROA) | 0.6575% | 3,400 |
| Pretax return on assets | 0.6827% | 3,617 |
| Return on Equity (ROE) | 6.2318% | 3,521 |
| Retained earnings to average equity (ytd only) | 3.0148% | 3,440 |
| Net charge-offs to loans | 0.0026% | 2,002 |
| Credit loss provision to net charge-offs | 5,500.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 783.0000% | 181 |
| Efficiency ratio | 75.1429% | 1,373 |
| Assets per employee ($millions) | 4.2958% | 4,208 |
| Cash dividends to net income (ytd only)* | 51.6224% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,392 |
| Loan loss allowance to noncurrent loans | 310.3943% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 2,765 |
| Noncurrent loans to loans | 0.3375% | 2,129 |
| Net loans and leases to total assets | 39.6708% | 4,088 |
| Net loans and leases to deposits | 43.5593% | 4,126 |
| Net loans and leases to core deposits | 44.7058% | 4,168 |
| Total domestic deposits to total assets | 91.0731% | 1,196 |
| Equity capital to assets | 8.7911% | 2,542 |
| Core capital (leverage) ratio | 12.6973% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,237,000 | 3,055 |
| Average earning assets | $192,678,333 | 3,042 |
| Average equity | $21,759,333 | 2,922 |
| Average total loans | $78,408,000 | 3,473 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6064% | 4,109 |
| Cost of funding earning assets | 0.0914% | 4,247 |
| Net interest margin | 2.5150% | 3,875 |
| Noninterest income to average assets | 0.5411% | 1,945 |
| Noninterest expense to average assets | 2.2419% | 2,714 |
| Loan and lease loss provision to assets | 0.0388% | 1,665 |
| Net operating income to assets | 0.5988% | 3,398 |
| Return on assets (ROA) | 0.5760% | 3,454 |
| Pretax return on assets | 0.5857% | 3,675 |
| Return on Equity (ROE) | 5.0391% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.0391% | 2,582 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5839% | 1,350 |
| Assets per employee ($millions) | 4.7013% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 3,313 |
| Loan loss allowance to noncurrent loans | 175.5274% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 2,308 |
| Noncurrent loans to loans | 0.6284% | 1,492 |
| Net loans and leases to total assets | 35.2622% | 4,250 |
| Net loans and leases to deposits | 39.2332% | 4,278 |
| Net loans and leases to core deposits | 40.2508% | 4,305 |
| Total domestic deposits to total assets | 89.8784% | 1,639 |
| Equity capital to assets | 9.9628% | 1,921 |
| Core capital (leverage) ratio | 12.3090% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,257,000 | 3,064 |
| Average earning assets | $192,603,000 | 3,060 |
| Average equity | $23,575,500 | 2,864 |
| Average total loans | $76,279,000 | 3,521 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9058% | 4,043 |
| Cost of funding earning assets | 0.1008% | 4,379 |
| Net interest margin | 2.8050% | 3,654 |
| Noninterest income to average assets | 0.6385% | 1,995 |
| Noninterest expense to average assets | 2.3783% | 2,561 |
| Loan and lease loss provision to assets | 0.0509% | 2,043 |
| Net operating income to assets | 0.7664% | 3,436 |
| Return on assets (ROA) | 0.7616% | 3,519 |
| Pretax return on assets | 0.8084% | 3,703 |
| Return on Equity (ROE) | 5.6416% | 3,854 |
| Retained earnings to average equity (ytd only) | 2.3441% | 3,872 |
| Net charge-offs to loans | 0.2332% | 397 |
| Credit loss provision to net charge-offs | 57.1429% | 2,086 |
| Earnings coverage of net charge-offs (x) | 9.7086% | 2,249 |
| Efficiency ratio | 73.3448% | 1,383 |
| Assets per employee ($millions) | 4.7847% | 3,902 |
| Cash dividends to net income (ytd only)* | 58.4502% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 3,561 |
| Loan loss allowance to noncurrent loans | 374.1935% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 3,172 |
| Noncurrent loans to loans | 0.2814% | 2,596 |
| Net loans and leases to total assets | 37.9755% | 4,193 |
| Net loans and leases to deposits | 43.9301% | 4,185 |
| Net loans and leases to core deposits | 45.1608% | 4,225 |
| Total domestic deposits to total assets | 86.4453% | 2,738 |
| Equity capital to assets | 12.9750% | 908 |
| Core capital (leverage) ratio | 13.0730% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,565,200 | 3,087 |
| Average earning assets | $182,498,400 | 3,077 |
| Average equity | $26,534,800 | 2,753 |
| Average total loans | $75,046,400 | 3,559 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9218% | 4,130 |
| Cost of funding earning assets | 0.1019% | 4,485 |
| Net interest margin | 2.8199% | 3,737 |
| Noninterest income to average assets | 0.6330% | 2,085 |
| Noninterest expense to average assets | 2.3662% | 2,546 |
| Loan and lease loss provision to assets | 0.0512% | 1,969 |
| Net operating income to assets | 0.8274% | 3,450 |
| Return on assets (ROA) | 0.8233% | 3,533 |
| Pretax return on assets | 0.8342% | 3,830 |
| Return on Equity (ROE) | 6.0386% | 3,905 |
| Retained earnings to average equity (ytd only) | 2.5365% | 4,044 |
| Net charge-offs to loans | 0.2344% | 350 |
| Credit loss provision to net charge-offs | 57.2519% | 1,821 |
| Earnings coverage of net charge-offs (x) | 9.9542% | 2,056 |
| Efficiency ratio | 72.6797% | 1,343 |
| Assets per employee ($millions) | 4.5961% | 4,051 |
| Cash dividends to net income (ytd only)* | 57.9950% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,315 |
| Loan loss allowance to noncurrent loans | 105.0633% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 1,786 |
| Noncurrent loans to loans | 1.0710% | 1,061 |
| Net loans and leases to total assets | 36.9021% | 4,344 |
| Net loans and leases to deposits | 42.7579% | 4,352 |
| Net loans and leases to core deposits | 43.9653% | 4,380 |
| Total domestic deposits to total assets | 86.3048% | 2,635 |
| Equity capital to assets | 13.5201% | 845 |
| Core capital (leverage) ratio | 13.1801% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,467,500 | 3,138 |
| Average earning assets | $181,800,500 | 3,122 |
| Average equity | $26,650,000 | 2,781 |
| Average total loans | $74,526,500 | 3,617 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7780% | 4,375 |
| Cost of funding earning assets | 0.1040% | 4,551 |
| Net interest margin | 2.6740% | 4,031 |
| Noninterest income to average assets | 0.6480% | 2,009 |
| Noninterest expense to average assets | 2.3477% | 2,623 |
| Loan and lease loss provision to assets | 0.0513% | 2,007 |
| Net operating income to assets | 0.7208% | 3,710 |
| Return on assets (ROA) | 0.7148% | 3,791 |
| Pretax return on assets | 0.7261% | 4,017 |
| Return on Equity (ROE) | 5.2278% | 4,087 |
| Retained earnings to average equity (ytd only) | 1.6600% | 4,199 |
| Net charge-offs to loans | 0.1150% | 674 |
| Credit loss provision to net charge-offs | 116.2791% | 1,278 |
| Earnings coverage of net charge-offs (x) | 17.7442% | 1,573 |
| Efficiency ratio | 74.9754% | 1,165 |
| Assets per employee ($millions) | 4.4830% | 4,113 |
| Cash dividends to net income (ytd only)* | 68.2471% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 2,904 |
| Loan loss allowance to noncurrent loans | 250.4202% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 2,945 |
| Noncurrent loans to loans | 0.4816% | 2,232 |
| Net loans and leases to total assets | 37.1293% | 4,420 |
| Net loans and leases to deposits | 43.0008% | 4,423 |
| Net loans and leases to core deposits | 44.3394% | 4,448 |
| Total domestic deposits to total assets | 86.3455% | 2,607 |
| Equity capital to assets | 13.4000% | 845 |
| Core capital (leverage) ratio | 12.8643% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,746,333 | 3,139 |
| Average earning assets | $180,850,333 | 3,127 |
| Average equity | $26,626,667 | 2,771 |
| Average total loans | $74,782,000 | 3,637 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7081% | 4,469 |
| Cost of funding earning assets | 0.1073% | 4,609 |
| Net interest margin | 2.6007% | 4,150 |
| Noninterest income to average assets | 0.6574% | 1,998 |
| Noninterest expense to average assets | 2.3505% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7007% | 3,704 |
| Return on assets (ROA) | 0.6925% | 3,791 |
| Pretax return on assets | 0.7029% | 4,011 |
| Return on Equity (ROE) | 5.0142% | 4,085 |
| Retained earnings to average equity (ytd only) | 3.5174% | 3,627 |
| Net charge-offs to loans | 0.0053% | 1,715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 344.0000% | 268 |
| Efficiency ratio | 76.7725% | 1,058 |
| Assets per employee ($millions) | 4.4160% | 4,180 |
| Cash dividends to net income (ytd only)* | 29.8507% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,908 |
| Loan loss allowance to noncurrent loans | 206.0465% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 2,991 |
| Noncurrent loans to loans | 0.5844% | 2,111 |
| Net loans and leases to total assets | 35.7836% | 4,512 |
| Net loans and leases to deposits | 41.2607% | 4,526 |
| Net loans and leases to core deposits | 42.5169% | 4,549 |
| Total domestic deposits to total assets | 86.7256% | 2,431 |
| Equity capital to assets | 13.0288% | 907 |
| Core capital (leverage) ratio | 13.1552% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,492,500 | 3,137 |
| Average earning assets | $178,873,500 | 3,133 |
| Average equity | $26,724,000 | 2,751 |
| Average total loans | $75,106,500 | 3,652 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2913% | 4,345 |
| Cost of funding earning assets | 0.2409% | 4,421 |
| Net interest margin | 3.0504% | 3,751 |
| Noninterest income to average assets | 0.7034% | 1,853 |
| Noninterest expense to average assets | 2.5838% | 2,609 |
| Loan and lease loss provision to assets | 0.0556% | 3,675 |
| Net operating income to assets | 0.8851% | 2,764 |
| Return on assets (ROA) | 0.9154% | 2,766 |
| Pretax return on assets | 0.9277% | 3,288 |
| Return on Equity (ROE) | 6.2444% | 3,504 |
| Retained earnings to average equity (ytd only) | 2.4484% | 3,632 |
| Net charge-offs to loans | 0.1423% | 1,134 |
| Credit loss provision to net charge-offs | 87.7193% | 2,944 |
| Earnings coverage of net charge-offs (x) | 15.0175% | 2,187 |
| Efficiency ratio | 73.0606% | 1,564 |
| Assets per employee ($millions) | 3.9967% | 4,380 |
| Cash dividends to net income (ytd only)* | 60.7903% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 3,176 |
| Loan loss allowance to noncurrent loans | 167.9924% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 2,857 |
| Noncurrent loans to loans | 0.6890% | 1,965 |
| Net loans and leases to total assets | 41.2026% | 4,392 |
| Net loans and leases to deposits | 48.4072% | 4,380 |
| Net loans and leases to core deposits | 50.0512% | 4,420 |
| Total domestic deposits to total assets | 85.1167% | 2,712 |
| Equity capital to assets | 14.6761% | 639 |
| Core capital (leverage) ratio | 13.6393% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,700,000 | 3,107 |
| Average earning assets | $166,895,400 | 3,100 |
| Average equity | $26,343,600 | 2,723 |
| Average total loans | $80,101,800 | 3,554 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3023% | 4,467 |
| Cost of funding earning assets | 0.2757% | 4,410 |
| Net interest margin | 3.0266% | 3,912 |
| Noninterest income to average assets | 0.6604% | 1,942 |
| Noninterest expense to average assets | 2.5403% | 2,720 |
| Loan and lease loss provision to assets | 0.0185% | 4,097 |
| Net operating income to assets | 0.9086% | 2,659 |
| Return on assets (ROA) | 0.9485% | 2,661 |
| Pretax return on assets | 0.9604% | 3,198 |
| Return on Equity (ROE) | 6.4720% | 3,383 |
| Retained earnings to average equity (ytd only) | 3.5441% | 3,286 |
| Net charge-offs to loans | 0.0873% | 1,429 |
| Credit loss provision to net charge-offs | 47.1698% | 2,899 |
| Earnings coverage of net charge-offs (x) | 23.7358% | 1,782 |
| Efficiency ratio | 73.0159% | 1,520 |
| Assets per employee ($millions) | 3.9566% | 4,346 |
| Cash dividends to net income (ytd only)* | 45.2400% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 3,359 |
| Loan loss allowance to noncurrent loans | 131.2782% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 2,686 |
| Noncurrent loans to loans | 0.8157% | 1,788 |
| Net loans and leases to total assets | 44.3136% | 4,406 |
| Net loans and leases to deposits | 53.2490% | 4,365 |
| Net loans and leases to core deposits | 53.8944% | 4,453 |
| Total domestic deposits to total assets | 83.2197% | 3,086 |
| Equity capital to assets | 14.8573% | 672 |
| Core capital (leverage) ratio | 14.1579% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,662,500 | 3,102 |
| Average earning assets | $166,385,750 | 3,091 |
| Average equity | $26,184,000 | 2,721 |
| Average total loans | $80,967,750 | 3,555 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4068% | 4,532 |
| Cost of funding earning assets | 0.3243% | 4,382 |
| Net interest margin | 3.0825% | 3,941 |
| Noninterest income to average assets | 0.6241% | 2,043 |
| Noninterest expense to average assets | 2.5965% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8629% | 2,833 |
| Return on assets (ROA) | 0.8651% | 2,943 |
| Pretax return on assets | 0.8775% | 3,381 |
| Return on Equity (ROE) | 5.9309% | 3,534 |
| Retained earnings to average equity (ytd only) | 3.0349% | 3,372 |
| Net charge-offs to loans | 0.0297% | 2,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 64.7500% | 920 |
| Efficiency ratio | 74.7891% | 1,390 |
| Assets per employee ($millions) | 3.8203% | 4,447 |
| Cash dividends to net income (ytd only)* | 48.8281% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,060 |
| Loan loss allowance to noncurrent loans | 74.7687% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 1,875 |
| Noncurrent loans to loans | 1.4714% | 1,034 |
| Net loans and leases to total assets | 43.5824% | 4,476 |
| Net loans and leases to deposits | 52.2009% | 4,438 |
| Net loans and leases to core deposits | 54.9136% | 4,468 |
| Total domestic deposits to total assets | 83.4898% | 2,931 |
| Equity capital to assets | 14.5693% | 716 |
| Core capital (leverage) ratio | 13.9423% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,548,333 | 3,092 |
| Average earning assets | $164,024,000 | 3,097 |
| Average equity | $25,898,333 | 2,727 |
| Average total loans | $80,781,667 | 3,561 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 4,506 |
| Cost of funding earning assets | 0.3599% | 4,483 |
| Net interest margin | 3.2515% | 3,722 |
| Noninterest income to average assets | 0.6161% | 1,971 |
| Noninterest expense to average assets | 2.7875% | 2,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7971% | 2,916 |
| Return on assets (ROA) | 0.7971% | 3,008 |
| Pretax return on assets | 0.8085% | 3,390 |
| Return on Equity (ROE) | 5.4611% | 3,484 |
| Retained earnings to average equity (ytd only) | 5.4611% | 2,082 |
| Net charge-offs to loans | -0.0149% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5159% | 1,395 |
| Assets per employee ($millions) | 3.6780% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 2,974 |
| Loan loss allowance to noncurrent loans | 132.9412% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 2,901 |
| Noncurrent loans to loans | 0.8592% | 1,897 |
| Net loans and leases to total assets | 44.3182% | 4,492 |
| Net loans and leases to deposits | 52.0434% | 4,516 |
| Net loans and leases to core deposits | 55.8233% | 4,497 |
| Total domestic deposits to total assets | 85.1563% | 2,348 |
| Equity capital to assets | 14.6262% | 856 |
| Core capital (leverage) ratio | 14.5584% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,636,500 | 3,088 |
| Average earning assets | $160,047,500 | 3,108 |
| Average equity | $25,489,500 | 2,745 |
| Average total loans | $80,769,000 | 3,565 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8418% | 4,514 |
| Cost of funding earning assets | 0.4007% | 4,439 |
| Net interest margin | 3.4410% | 3,623 |
| Noninterest income to average assets | 0.6599% | 1,965 |
| Noninterest expense to average assets | 2.7872% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0174% | 2,788 |
| Return on assets (ROA) | 1.0174% | 2,875 |
| Pretax return on assets | 1.0307% | 3,387 |
| Return on Equity (ROE) | 6.8826% | 3,593 |
| Retained earnings to average equity (ytd only) | 2.7907% | 3,643 |
| Net charge-offs to loans | -0.0671% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0038% | 1,735 |
| Assets per employee ($millions) | 3.5985% | 4,373 |
| Cash dividends to net income (ytd only)* | 59.4530% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 2,989 |
| Loan loss allowance to noncurrent loans | 209.0487% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 3,438 |
| Noncurrent loans to loans | 0.5231% | 2,617 |
| Net loans and leases to total assets | 47.1791% | 4,473 |
| Net loans and leases to deposits | 55.3577% | 4,484 |
| Net loans and leases to core deposits | 56.6559% | 4,556 |
| Total domestic deposits to total assets | 85.2258% | 2,406 |
| Equity capital to assets | 14.5646% | 912 |
| Core capital (leverage) ratio | 14.3501% | 837 |
| Tier 1 risk-based capital ratio | 25.0850% | 742 |
| Total risk-based capital ratio | 25.9943% | 751 |
| Memoranda: | ||
| Average total assets | $165,327,400 | 3,151 |
| Average earning assets | $151,727,200 | 3,162 |
| Average equity | $24,438,400 | 2,754 |
| Average total loans | $80,536,200 | 3,594 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8651% | 4,584 |
| Cost of funding earning assets | 0.4105% | 4,466 |
| Net interest margin | 3.4546% | 3,720 |
| Noninterest income to average assets | 0.6517% | 1,980 |
| Noninterest expense to average assets | 2.8480% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9616% | 3,114 |
| Return on assets (ROA) | 0.9616% | 3,196 |
| Pretax return on assets | 0.9746% | 3,664 |
| Return on Equity (ROE) | 6.4800% | 3,891 |
| Retained earnings to average equity (ytd only) | 2.6327% | 4,036 |
| Net charge-offs to loans | -0.1132% | 5,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5039% | 1,494 |
| Assets per employee ($millions) | 3.3945% | 4,599 |
| Cash dividends to net income (ytd only)* | 59.3724% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 2,877 |
| Loan loss allowance to noncurrent loans | 187.1166% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 3,348 |
| Noncurrent loans to loans | 0.6037% | 2,473 |
| Net loans and leases to total assets | 49.1478% | 4,474 |
| Net loans and leases to deposits | 58.1978% | 4,467 |
| Net loans and leases to core deposits | 59.6643% | 4,548 |
| Total domestic deposits to total assets | 84.4496% | 2,649 |
| Equity capital to assets | 15.3319% | 768 |
| Core capital (leverage) ratio | 14.9467% | 750 |
| Tier 1 risk-based capital ratio | 24.3943% | 813 |
| Total risk-based capital ratio | 25.2999% | 823 |
| Memoranda: | ||
| Average total assets | $163,477,500 | 3,204 |
| Average earning assets | $150,057,250 | 3,206 |
| Average equity | $24,258,750 | 2,783 |
| Average total loans | $80,072,250 | 3,639 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 4,661 |
| Cost of funding earning assets | 0.4009% | 4,502 |
| Net interest margin | 3.4346% | 3,787 |
| Noninterest income to average assets | 0.6428% | 1,957 |
| Noninterest expense to average assets | 2.8132% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9679% | 3,035 |
| Return on assets (ROA) | 0.9679% | 3,106 |
| Pretax return on assets | 0.9813% | 3,611 |
| Return on Equity (ROE) | 6.5951% | 3,844 |
| Retained earnings to average equity (ytd only) | 2.6813% | 3,857 |
| Net charge-offs to loans | -0.1279% | 5,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1385% | 1,625 |
| Assets per employee ($millions) | 3.1789% | 4,782 |
| Cash dividends to net income (ytd only)* | 59.3434% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 2,861 |
| Loan loss allowance to noncurrent loans | 179.6000% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 3,336 |
| Noncurrent loans to loans | 0.6328% | 2,356 |
| Net loans and leases to total assets | 47.2547% | 4,594 |
| Net loans and leases to deposits | 55.7015% | 4,605 |
| Net loans and leases to core deposits | 57.2378% | 4,669 |
| Total domestic deposits to total assets | 84.8356% | 2,549 |
| Equity capital to assets | 14.9835% | 814 |
| Core capital (leverage) ratio | 15.0041% | 705 |
| Tier 1 risk-based capital ratio | 25.7260% | 708 |
| Total risk-based capital ratio | 26.6694% | 707 |
| Memoranda: | ||
| Average total assets | $163,658,330 | 3,215 |
| Average earning assets | $150,179,000 | 3,222 |
| Average equity | $24,018,000 | 2,798 |
| Average total loans | $79,765,000 | 3,665 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 4,553 |
| Cost of funding earning assets | 0.3871% | 4,542 |
| Net interest margin | 3.5110% | 3,565 |
| Noninterest income to average assets | 0.5945% | 2,073 |
| Noninterest expense to average assets | 2.9281% | 2,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8622% | 3,392 |
| Return on assets (ROA) | 0.8622% | 3,442 |
| Pretax return on assets | 0.8745% | 3,843 |
| Return on Equity (ROE) | 5.9383% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.9383% | 2,477 |
| Net charge-offs to loans | -0.2046% | 5,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0026% | 1,377 |
| Assets per employee ($millions) | 3.0168% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 2,947 |
| Loan loss allowance to noncurrent loans | 444.0000% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 4,186 |
| Noncurrent loans to loans | 0.2553% | 3,646 |
| Net loans and leases to total assets | 47.5504% | 4,601 |
| Net loans and leases to deposits | 55.9874% | 4,601 |
| Net loans and leases to core deposits | 57.0626% | 4,673 |
| Total domestic deposits to total assets | 84.9307% | 2,704 |
| Equity capital to assets | 14.8533% | 781 |
| Core capital (leverage) ratio | 14.9531% | 707 |
| Tier 1 risk-based capital ratio | 25.7053% | 706 |
| Total risk-based capital ratio | 26.6367% | 712 |
| Memoranda: | ||
| Average total assets | $162,836,500 | 3,264 |
| Average earning assets | $148,788,000 | 3,279 |
| Average equity | $23,643,000 | 2,835 |
| Average total loans | $80,142,000 | 3,691 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 4,412 |
| Cost of funding earning assets | 0.2737% | 4,691 |
| Net interest margin | 3.5631% | 3,502 |
| Noninterest income to average assets | 0.5922% | 2,339 |
| Noninterest expense to average assets | 2.9962% | 2,050 |
| Loan and lease loss provision to assets | 0.0309% | 3,568 |
| Net operating income to assets | 0.8187% | 3,731 |
| Return on assets (ROA) | 0.8187% | 3,736 |
| Pretax return on assets | 0.8360% | 4,080 |
| Return on Equity (ROE) | 5.8083% | 4,232 |
| Retained earnings to average equity (ytd only) | 2.0546% | 4,337 |
| Net charge-offs to loans | 0.0685% | 2,138 |
| Credit loss provision to net charge-offs | 92.5926% | 2,686 |
| Earnings coverage of net charge-offs (x) | 25.9444% | 1,746 |
| Efficiency ratio | 77.5589% | 1,176 |
| Assets per employee ($millions) | 3.0142% | 4,987 |
| Cash dividends to net income (ytd only)* | 64.6259% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,480 |
| Loan loss allowance to noncurrent loans | 489.5954% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 3,990 |
| Noncurrent loans to loans | 0.2111% | 3,820 |
| Net loans and leases to total assets | 49.8175% | 4,533 |
| Net loans and leases to deposits | 58.8809% | 4,531 |
| Net loans and leases to core deposits | 59.7693% | 4,639 |
| Total domestic deposits to total assets | 84.6074% | 2,795 |
| Equity capital to assets | 14.1854% | 917 |
| Core capital (leverage) ratio | 14.6465% | 766 |
| Tier 1 risk-based capital ratio | 24.2820% | 800 |
| Total risk-based capital ratio | 25.1335% | 818 |
| Memoranda: | ||
| Average total assets | $161,603,200 | 3,253 |
| Average earning assets | $148,353,000 | 3,266 |
| Average equity | $22,777,800 | 2,838 |
| Average total loans | $78,822,400 | 3,689 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 4,553 |
| Cost of funding earning assets | 0.2391% | 4,849 |
| Net interest margin | 3.5097% | 3,664 |
| Noninterest income to average assets | 0.5637% | 2,504 |
| Noninterest expense to average assets | 2.9821% | 2,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7902% | 3,941 |
| Return on assets (ROA) | 0.7902% | 3,954 |
| Pretax return on assets | 0.8092% | 4,267 |
| Return on Equity (ROE) | 5.6151% | 4,379 |
| Retained earnings to average equity (ytd only) | 2.3553% | 4,453 |
| Net charge-offs to loans | 0.0222% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 75.3203% | 910 |
| Efficiency ratio | 78.6571% | 1,059 |
| Assets per employee ($millions) | 3.0454% | 5,008 |
| Cash dividends to net income (ytd only)* | 58.0545% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,529 |
| Loan loss allowance to noncurrent loans | 184.5815% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,329 |
| Noncurrent loans to loans | 0.5637% | 2,690 |
| Net loans and leases to total assets | 48.4670% | 4,693 |
| Net loans and leases to deposits | 57.4615% | 4,673 |
| Net loans and leases to core deposits | 58.2821% | 4,774 |
| Total domestic deposits to total assets | 84.3470% | 2,838 |
| Equity capital to assets | 13.6293% | 1,087 |
| Core capital (leverage) ratio | 14.7654% | 766 |
| Tier 1 risk-based capital ratio | 24.7862% | 776 |
| Total risk-based capital ratio | 25.6487% | 783 |
| Memoranda: | ||
| Average total assets | $161,312,500 | 3,285 |
| Average earning assets | $148,347,250 | 3,295 |
| Average equity | $22,700,000 | 2,858 |
| Average total loans | $78,044,750 | 3,735 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 4,584 |
| Cost of funding earning assets | 0.2219% | 4,907 |
| Net interest margin | 3.4782% | 3,707 |
| Noninterest income to average assets | 0.5716% | 2,466 |
| Noninterest expense to average assets | 3.1123% | 1,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6252% | 4,423 |
| Return on assets (ROA) | 0.6252% | 4,425 |
| Pretax return on assets | 0.6477% | 4,646 |
| Return on Equity (ROE) | 4.3956% | 4,722 |
| Retained earnings to average equity (ytd only) | 1.5442% | 4,624 |
| Net charge-offs to loans | -0.0130% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7746% | 786 |
| Assets per employee ($millions) | 3.0502% | 5,066 |
| Cash dividends to net income (ytd only)* | 64.8703% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 3,147 |
| Loan loss allowance to noncurrent loans | 434.5178% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 4,200 |
| Noncurrent loans to loans | 0.2580% | 3,779 |
| Net loans and leases to total assets | 46.7004% | 4,787 |
| Net loans and leases to deposits | 54.4379% | 4,823 |
| Net loans and leases to core deposits | 55.1892% | 4,889 |
| Total domestic deposits to total assets | 85.7867% | 2,382 |
| Equity capital to assets | 13.9133% | 956 |
| Core capital (leverage) ratio | 14.7574% | 726 |
| Tier 1 risk-based capital ratio | 25.4728% | 701 |
| Total risk-based capital ratio | 26.3869% | 710 |
| Memoranda: | ||
| Average total assets | $160,265,330 | 3,321 |
| Average earning assets | $146,913,330 | 3,334 |
| Average equity | $22,795,330 | 2,856 |
| Average total loans | $77,211,670 | 3,769 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6614% | 4,567 |
| Cost of funding earning assets | 0.2197% | 4,896 |
| Net interest margin | 3.4417% | 3,736 |
| Noninterest income to average assets | 0.5715% | 2,416 |
| Noninterest expense to average assets | 2.9755% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7069% | 4,073 |
| Return on assets (ROA) | 0.7069% | 4,082 |
| Pretax return on assets | 0.7370% | 4,334 |
| Return on Equity (ROE) | 4.9157% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.9157% | 3,221 |
| Net charge-offs to loans | -0.0876% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1485% | 1,120 |
| Assets per employee ($millions) | 3.0206% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 3,084 |
| Loan loss allowance to noncurrent loans | 125.2525% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 3,089 |
| Noncurrent loans to loans | 0.9196% | 1,977 |
| Net loans and leases to total assets | 46.5314% | 4,770 |
| Net loans and leases to deposits | 54.4166% | 4,774 |
| Net loans and leases to core deposits | 55.0621% | 4,875 |
| Total domestic deposits to total assets | 85.5096% | 2,748 |
| Equity capital to assets | 14.2349% | 831 |
| Core capital (leverage) ratio | 14.9649% | 664 |
| Tier 1 risk-based capital ratio | 25.8870% | 693 |
| Total risk-based capital ratio | 26.8251% | 701 |
| Memoranda: | ||
| Average total assets | $159,569,000 | 3,364 |
| Average earning assets | $145,626,000 | 3,385 |
| Average equity | $22,947,000 | 2,871 |
| Average total loans | $77,642,000 | 3,791 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5961% | 4,581 |
| Cost of funding earning assets | 0.1769% | 5,117 |
| Net interest margin | 3.4192% | 3,790 |
| Noninterest income to average assets | 0.6423% | 2,245 |
| Noninterest expense to average assets | 2.7734% | 2,875 |
| Loan and lease loss provision to assets | 0.0689% | 2,824 |
| Net operating income to assets | 0.8997% | 2,709 |
| Return on assets (ROA) | 0.9090% | 2,687 |
| Pretax return on assets | 0.9184% | 3,848 |
| Return on Equity (ROE) | 6.2224% | 3,668 |
| Retained earnings to average equity (ytd only) | 1.1870% | 4,553 |
| Net charge-offs to loans | 0.0679% | 2,487 |
| Credit loss provision to net charge-offs | 215.6863% | 1,263 |
| Earnings coverage of net charge-offs (x) | 30.6275% | 1,526 |
| Efficiency ratio | 73.9319% | 1,903 |
| Assets per employee ($millions) | 3.0009% | 5,196 |
| Cash dividends to net income (ytd only)* | 80.9229% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,520 |
| Loan loss allowance to noncurrent loans | 101.3095% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 2,458 |
| Noncurrent loans to loans | 1.0510% | 1,692 |
| Net loans and leases to total assets | 49.7164% | 4,663 |
| Net loans and leases to deposits | 59.8106% | 4,579 |
| Net loans and leases to core deposits | 60.5220% | 4,732 |
| Total domestic deposits to total assets | 83.1231% | 3,518 |
| Equity capital to assets | 14.5272% | 772 |
| Core capital (leverage) ratio | 14.8635% | 643 |
| Tier 1 risk-based capital ratio | 24.7008% | 751 |
| Total risk-based capital ratio | 25.5888% | 767 |
| Memoranda: | ||
| Average total assets | $159,734,200 | 3,350 |
| Average earning assets | $145,239,800 | 3,381 |
| Average equity | $23,335,200 | 2,819 |
| Average total loans | $75,100,400 | 3,844 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5571% | 4,666 |
| Cost of funding earning assets | 0.1697% | 5,201 |
| Net interest margin | 3.3873% | 3,895 |
| Noninterest income to average assets | 0.6278% | 2,323 |
| Noninterest expense to average assets | 2.7891% | 2,765 |
| Loan and lease loss provision to assets | 0.0500% | 3,095 |
| Net operating income to assets | 0.8573% | 3,248 |
| Return on assets (ROA) | 0.8697% | 3,223 |
| Pretax return on assets | 0.8797% | 4,104 |
| Return on Equity (ROE) | 5.9447% | 4,153 |
| Retained earnings to average equity (ytd only) | 1.8125% | 4,704 |
| Net charge-offs to loans | 0.0433% | 2,573 |
| Credit loss provision to net charge-offs | 250.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 45.8322% | 1,185 |
| Efficiency ratio | 75.2531% | 1,700 |
| Assets per employee ($millions) | 3.0637% | 5,211 |
| Cash dividends to net income (ytd only)* | 69.5109% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 3,359 |
| Loan loss allowance to noncurrent loans | 163.6364% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 3,583 |
| Noncurrent loans to loans | 0.6864% | 2,647 |
| Net loans and leases to total assets | 44.8924% | 4,990 |
| Net loans and leases to deposits | 52.7087% | 5,016 |
| Net loans and leases to core deposits | 53.2859% | 5,090 |
| Total domestic deposits to total assets | 85.1707% | 2,649 |
| Equity capital to assets | 14.6433% | 821 |
| Core capital (leverage) ratio | 15.0769% | 647 |
| Tier 1 risk-based capital ratio | 25.1325% | 736 |
| Total risk-based capital ratio | 26.0102% | 762 |
| Memoranda: | ||
| Average total assets | $159,906,250 | 3,377 |
| Average earning assets | $145,322,500 | 3,406 |
| Average equity | $23,392,750 | 2,843 |
| Average total loans | $73,894,750 | 3,906 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5118% | 4,737 |
| Cost of funding earning assets | 0.1705% | 5,207 |
| Net interest margin | 3.3413% | 3,979 |
| Noninterest income to average assets | 0.6299% | 2,317 |
| Noninterest expense to average assets | 2.7935% | 2,788 |
| Loan and lease loss provision to assets | 0.0629% | 2,715 |
| Net operating income to assets | 0.8186% | 3,306 |
| Return on assets (ROA) | 0.8323% | 3,291 |
| Pretax return on assets | 0.8423% | 4,123 |
| Return on Equity (ROE) | 5.6910% | 4,186 |
| Retained earnings to average equity (ytd only) | 1.8225% | 4,522 |
| Net charge-offs to loans | 0.0406% | 2,388 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 47.2667% | 1,124 |
| Efficiency ratio | 75.8103% | 1,746 |
| Assets per employee ($millions) | 2.9576% | 5,309 |
| Cash dividends to net income (ytd only)* | 67.9758% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,407 |
| Loan loss allowance to noncurrent loans | 90.0871% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 2,712 |
| Noncurrent loans to loans | 1.2570% | 1,533 |
| Net loans and leases to total assets | 46.0607% | 4,949 |
| Net loans and leases to deposits | 54.3874% | 4,944 |
| Net loans and leases to core deposits | 55.1510% | 5,039 |
| Total domestic deposits to total assets | 84.6900% | 2,940 |
| Equity capital to assets | 15.1218% | 686 |
| Core capital (leverage) ratio | 15.0704% | 615 |
| Tier 1 risk-based capital ratio | 26.1069% | 664 |
| Total risk-based capital ratio | 27.0219% | 675 |
| Memoranda: | ||
| Average total assets | $159,083,330 | 3,406 |
| Average earning assets | $145,452,000 | 3,425 |
| Average equity | $23,264,670 | 2,853 |
| Average total loans | $73,952,330 | 3,924 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 4,851 |
| Cost of funding earning assets | 0.1664% | 5,258 |
| Net interest margin | 3.2760% | 4,098 |
| Noninterest income to average assets | 0.6190% | 2,328 |
| Noninterest expense to average assets | 2.8631% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7414% | 3,513 |
| Return on assets (ROA) | 0.7414% | 3,565 |
| Pretax return on assets | 0.7538% | 4,275 |
| Return on Equity (ROE) | 5.1551% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.1551% | 2,805 |
| Net charge-offs to loans | 0.0376% | 2,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 43.1429% | 979 |
| Efficiency ratio | 79.1580% | 1,465 |
| Assets per employee ($millions) | 3.0738% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 3,785 |
| Loan loss allowance to noncurrent loans | 76.2136% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 2,530 |
| Noncurrent loans to loans | 1.4263% | 1,418 |
| Net loans and leases to total assets | 44.6881% | 5,001 |
| Net loans and leases to deposits | 52.4484% | 5,015 |
| Net loans and leases to core deposits | 52.9567% | 5,110 |
| Total domestic deposits to total assets | 85.2039% | 3,002 |
| Equity capital to assets | 14.5928% | 731 |
| Core capital (leverage) ratio | 14.7403% | 656 |
| Tier 1 risk-based capital ratio | 26.1079% | 683 |
| Total risk-based capital ratio | 26.9735% | 689 |
| Memoranda: | ||
| Average total assets | $160,248,000 | 3,426 |
| Average earning assets | $146,644,000 | 3,442 |
| Average equity | $23,045,000 | 2,884 |
| Average total loans | $74,414,000 | 3,939 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 4,705 |
| Cost of funding earning assets | 0.1905% | 5,103 |
| Net interest margin | 3.3386% | 4,031 |
| Noninterest income to average assets | 0.6784% | 2,272 |
| Noninterest expense to average assets | 2.7726% | 3,112 |
| Loan and lease loss provision to assets | 0.2182% | 1,012 |
| Net operating income to assets | 0.7216% | 3,683 |
| Return on assets (ROA) | 0.7488% | 3,662 |
| Pretax return on assets | 0.7532% | 4,330 |
| Return on Equity (ROE) | 5.0765% | 4,398 |
| Retained earnings to average equity (ytd only) | 1.5048% | 4,660 |
| Net charge-offs to loans | 0.4911% | 503 |
| Credit loss provision to net charge-offs | 97.2222% | 2,659 |
| Earnings coverage of net charge-offs (x) | 4.2056% | 3,537 |
| Efficiency ratio | 74.6016% | 2,208 |
| Assets per employee ($millions) | 2.9210% | 5,412 |
| Cash dividends to net income (ytd only)* | 70.3580% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 4,117 |
| Loan loss allowance to noncurrent loans | 77.7996% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 2,582 |
| Noncurrent loans to loans | 1.3287% | 1,549 |
| Net loans and leases to total assets | 47.1950% | 4,944 |
| Net loans and leases to deposits | 55.1100% | 4,961 |
| Net loans and leases to core deposits | 55.6182% | 5,062 |
| Total domestic deposits to total assets | 85.6377% | 2,762 |
| Equity capital to assets | 14.1699% | 834 |
| Core capital (leverage) ratio | 14.2729% | 740 |
| Tier 1 risk-based capital ratio | 24.9158% | 776 |
| Total risk-based capital ratio | 25.7600% | 797 |
| Memoranda: | ||
| Average total assets | $160,388,200 | 3,391 |
| Average earning assets | $145,959,400 | 3,422 |
| Average equity | $23,658,000 | 2,830 |
| Average total loans | $73,302,400 | 3,958 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5087% | 4,780 |
| Cost of funding earning assets | 0.1928% | 5,141 |
| Net interest margin | 3.3158% | 4,138 |
| Noninterest income to average assets | 0.6736% | 2,294 |
| Noninterest expense to average assets | 2.7860% | 3,058 |
| Loan and lease loss provision to assets | 0.2495% | 760 |
| Net operating income to assets | 0.6515% | 4,080 |
| Return on assets (ROA) | 0.6878% | 4,051 |
| Pretax return on assets | 0.6919% | 4,628 |
| Return on Equity (ROE) | 4.6172% | 4,674 |
| Retained earnings to average equity (ytd only) | 0.5695% | 5,213 |
| Net charge-offs to loans | 0.1987% | 1,176 |
| Credit loss provision to net charge-offs | 277.7778% | 1,101 |
| Earnings coverage of net charge-offs (x) | 10.0738% | 2,615 |
| Efficiency ratio | 75.4845% | 2,038 |
| Assets per employee ($millions) | 3.0278% | 5,368 |
| Cash dividends to net income (ytd only)* | 87.6660% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,550 |
| Loan loss allowance to noncurrent loans | 84.4520% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 2,639 |
| Noncurrent loans to loans | 1.5689% | 1,384 |
| Net loans and leases to total assets | 44.4529% | 5,163 |
| Net loans and leases to deposits | 52.1247% | 5,195 |
| Net loans and leases to core deposits | 52.7826% | 5,277 |
| Total domestic deposits to total assets | 85.2818% | 2,685 |
| Equity capital to assets | 14.5320% | 864 |
| Core capital (leverage) ratio | 14.5612% | 708 |
| Tier 1 risk-based capital ratio | 25.5714% | 758 |
| Total risk-based capital ratio | 26.6706% | 753 |
| Memoranda: | ||
| Average total assets | $160,321,000 | 3,408 |
| Average earning assets | $145,882,000 | 3,438 |
| Average equity | $23,881,250 | 2,825 |
| Average total loans | $72,474,500 | 4,007 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 4,848 |
| Cost of funding earning assets | 0.1956% | 5,189 |
| Net interest margin | 3.3104% | 4,193 |
| Noninterest income to average assets | 0.6774% | 2,245 |
| Noninterest expense to average assets | 2.7981% | 3,038 |
| Loan and lease loss provision to assets | 0.3791% | 411 |
| Net operating income to assets | 0.5110% | 4,636 |
| Return on assets (ROA) | 0.5548% | 4,579 |
| Pretax return on assets | 0.5599% | 4,997 |
| Return on Equity (ROE) | 3.6930% | 5,017 |
| Retained earnings to average equity (ytd only) | 0.3281% | 5,203 |
| Net charge-offs to loans | 0.1424% | 1,471 |
| Credit loss provision to net charge-offs | 588.2353% | 579 |
| Earnings coverage of net charge-offs (x) | 13.8824% | 2,094 |
| Efficiency ratio | 75.7700% | 2,113 |
| Assets per employee ($millions) | 2.7358% | 5,658 |
| Cash dividends to net income (ytd only)* | 91.1162% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 2,143 |
| Loan loss allowance to noncurrent loans | 75.3405% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 2,352 |
| Noncurrent loans to loans | 1.9024% | 1,062 |
| Net loans and leases to total assets | 46.3486% | 5,108 |
| Net loans and leases to deposits | 55.0250% | 5,077 |
| Net loans and leases to core deposits | 55.8926% | 5,180 |
| Total domestic deposits to total assets | 84.2320% | 3,183 |
| Equity capital to assets | 15.6167% | 603 |
| Core capital (leverage) ratio | 14.6894% | 669 |
| Tier 1 risk-based capital ratio | 26.0763% | 719 |
| Total risk-based capital ratio | 27.2652% | 703 |
| Memoranda: | ||
| Average total assets | $158,251,670 | 3,449 |
| Average earning assets | $144,151,670 | 3,477 |
| Average equity | $23,775,000 | 2,853 |
| Average total loans | $71,625,670 | 4,052 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4832% | 4,925 |
| Cost of funding earning assets | 0.1952% | 5,247 |
| Net interest margin | 3.2880% | 4,268 |
| Noninterest income to average assets | 0.6599% | 2,218 |
| Noninterest expense to average assets | 2.8355% | 2,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8256% | 3,124 |
| Return on assets (ROA) | 0.8256% | 3,246 |
| Pretax return on assets | 0.8256% | 4,123 |
| Return on Equity (ROE) | 5.6033% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.6033% | 2,580 |
| Net charge-offs to loans | 0.1526% | 1,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 12.1852% | 1,813 |
| Efficiency ratio | 77.4503% | 1,974 |
| Assets per employee ($millions) | 2.6946% | 5,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 4,159 |
| Loan loss allowance to noncurrent loans | 135.7268% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 4,129 |
| Noncurrent loans to loans | 0.7966% | 2,844 |
| Net loans and leases to total assets | 44.5996% | 5,214 |
| Net loans and leases to deposits | 52.8346% | 5,175 |
| Net loans and leases to core deposits | 53.6246% | 5,280 |
| Total domestic deposits to total assets | 84.4137% | 3,347 |
| Equity capital to assets | 15.0429% | 683 |
| Core capital (leverage) ratio | 14.7112% | 663 |
| Tier 1 risk-based capital ratio | 25.9678% | 739 |
| Total risk-based capital ratio | 26.8302% | 753 |
| Memoranda: | ||
| Average total assets | $159,406,500 | 3,459 |
| Average earning assets | $145,499,500 | 3,482 |
| Average equity | $23,486,000 | 2,881 |
| Average total loans | $70,774,500 | 4,096 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 5,031 |
| Cost of funding earning assets | 0.2126% | 5,169 |
| Net interest margin | 3.2469% | 4,480 |
| Noninterest income to average assets | 0.6738% | 2,329 |
| Noninterest expense to average assets | 2.8507% | 3,030 |
| Loan and lease loss provision to assets | 0.0569% | 3,173 |
| Net operating income to assets | 0.7069% | 3,777 |
| Return on assets (ROA) | 0.7263% | 3,785 |
| Pretax return on assets | 0.7307% | 4,431 |
| Return on Equity (ROE) | 4.9812% | 4,513 |
| Retained earnings to average equity (ytd only) | 1.7298% | 4,740 |
| Net charge-offs to loans | 0.1959% | 1,491 |
| Credit loss provision to net charge-offs | 67.6692% | 3,164 |
| Earnings coverage of net charge-offs (x) | 9.1353% | 2,859 |
| Efficiency ratio | 78.7773% | 1,849 |
| Assets per employee ($millions) | 2.5370% | 5,874 |
| Cash dividends to net income (ytd only)* | 65.2742% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 3,766 |
| Loan loss allowance to noncurrent loans | 143.9856% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 4,016 |
| Noncurrent loans to loans | 0.7972% | 2,801 |
| Net loans and leases to total assets | 43.2123% | 5,331 |
| Net loans and leases to deposits | 50.6371% | 5,356 |
| Net loans and leases to core deposits | 51.3425% | 5,436 |
| Total domestic deposits to total assets | 85.3373% | 2,931 |
| Equity capital to assets | 14.4256% | 787 |
| Core capital (leverage) ratio | 14.5203% | 709 |
| Tier 1 risk-based capital ratio | 26.6174% | 695 |
| Total risk-based capital ratio | 27.5454% | 698 |
| Memoranda: | ||
| Average total assets | $158,208,600 | 3,456 |
| Average earning assets | $143,489,200 | 3,491 |
| Average equity | $23,066,800 | 2,872 |
| Average total loans | $67,877,400 | 4,147 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4421% | 5,114 |
| Cost of funding earning assets | 0.2152% | 5,231 |
| Net interest margin | 3.2269% | 4,588 |
| Noninterest income to average assets | 0.6236% | 2,620 |
| Noninterest expense to average assets | 2.8136% | 3,137 |
| Loan and lease loss provision to assets | 0.0760% | 2,663 |
| Net operating income to assets | 0.6568% | 4,095 |
| Return on assets (ROA) | 0.6827% | 4,094 |
| Pretax return on assets | 0.6869% | 4,723 |
| Return on Equity (ROE) | 4.6699% | 4,768 |
| Retained earnings to average equity (ytd only) | 1.9246% | 4,920 |
| Net charge-offs to loans | 0.3008% | 890 |
| Credit loss provision to net charge-offs | 59.2105% | 2,915 |
| Earnings coverage of net charge-offs (x) | 5.7369% | 3,161 |
| Efficiency ratio | 79.2480% | 1,767 |
| Assets per employee ($millions) | 2.6078% | 5,902 |
| Cash dividends to net income (ytd only)* | 58.7872% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 3,900 |
| Loan loss allowance to noncurrent loans | 150.2879% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 4,411 |
| Noncurrent loans to loans | 0.7685% | 3,044 |
| Net loans and leases to total assets | 41.4433% | 5,519 |
| Net loans and leases to deposits | 48.5861% | 5,530 |
| Net loans and leases to core deposits | 49.2887% | 5,603 |
| Total domestic deposits to total assets | 85.2987% | 2,887 |
| Equity capital to assets | 14.4793% | 862 |
| Core capital (leverage) ratio | 14.6386% | 707 |
| Tier 1 risk-based capital ratio | 27.0000% | 687 |
| Total risk-based capital ratio | 27.9216% | 696 |
| Memoranda: | ||
| Average total assets | $157,802,250 | 3,493 |
| Average earning assets | $143,126,000 | 3,531 |
| Average equity | $23,069,250 | 2,897 |
| Average total loans | $67,379,250 | 4,193 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 5,170 |
| Cost of funding earning assets | 0.2182% | 5,276 |
| Net interest margin | 3.2077% | 4,636 |
| Noninterest income to average assets | 0.5751% | 2,877 |
| Noninterest expense to average assets | 2.8701% | 2,998 |
| Loan and lease loss provision to assets | 0.1150% | 1,913 |
| Net operating income to assets | 0.5166% | 4,695 |
| Return on assets (ROA) | 0.5482% | 4,675 |
| Pretax return on assets | 0.5520% | 5,099 |
| Return on Equity (ROE) | 3.7377% | 5,123 |
| Retained earnings to average equity (ytd only) | 0.6883% | 5,288 |
| Net charge-offs to loans | 0.3956% | 658 |
| Credit loss provision to net charge-offs | 67.6692% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.7368% | 3,145 |
| Efficiency ratio | 81.8812% | 1,506 |
| Assets per employee ($millions) | 2.4718% | 6,047 |
| Cash dividends to net income (ytd only)* | 81.5851% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 3,895 |
| Loan loss allowance to noncurrent loans | 243.0303% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 4,606 |
| Noncurrent loans to loans | 0.4864% | 4,019 |
| Net loans and leases to total assets | 43.7458% | 5,393 |
| Net loans and leases to deposits | 51.5252% | 5,414 |
| Net loans and leases to core deposits | 52.3051% | 5,520 |
| Total domestic deposits to total assets | 84.9017% | 3,159 |
| Equity capital to assets | 14.8255% | 735 |
| Core capital (leverage) ratio | 14.5475% | 698 |
| Tier 1 risk-based capital ratio | 27.1816% | 698 |
| Total risk-based capital ratio | 28.1429% | 701 |
| Memoranda: | ||
| Average total assets | $156,507,670 | 3,537 |
| Average earning assets | $142,967,000 | 3,554 |
| Average equity | $22,955,330 | 2,917 |
| Average total loans | $67,242,000 | 4,236 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3806% | 5,250 |
| Cost of funding earning assets | 0.2194% | 5,323 |
| Net interest margin | 3.1611% | 4,750 |
| Noninterest income to average assets | 0.6678% | 2,319 |
| Noninterest expense to average assets | 2.7824% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7614% | 3,476 |
| Return on assets (ROA) | 0.8170% | 3,300 |
| Pretax return on assets | 0.8195% | 4,172 |
| Return on Equity (ROE) | 5.5996% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.5996% | 2,718 |
| Net charge-offs to loans | 0.2988% | 798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.0400% | 2,334 |
| Efficiency ratio | 78.4593% | 2,121 |
| Assets per employee ($millions) | 2.5520% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 3,788 |
| Loan loss allowance to noncurrent loans | 112.4470% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 3,037 |
| Noncurrent loans to loans | 1.0934% | 2,576 |
| Net loans and leases to total assets | 40.3663% | 5,577 |
| Net loans and leases to deposits | 47.5456% | 5,586 |
| Net loans and leases to core deposits | 48.2183% | 5,663 |
| Total domestic deposits to total assets | 84.9002% | 3,457 |
| Equity capital to assets | 14.8362% | 747 |
| Core capital (leverage) ratio | 14.3252% | 731 |
| Tier 1 risk-based capital ratio | 25.2908% | 856 |
| Total risk-based capital ratio | 26.1680% | 876 |
| Memoranda: | ||
| Average total assets | $158,137,000 | 3,534 |
| Average earning assets | $143,999,500 | 3,564 |
| Average equity | $23,073,000 | 2,926 |
| Average total loans | $66,942,000 | 4,271 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4796% | 5,363 |
| Cost of funding earning assets | 0.2524% | 5,299 |
| Net interest margin | 3.2272% | 4,841 |
| Noninterest income to average assets | 0.6992% | 2,308 |
| Noninterest expense to average assets | 3.0922% | 2,544 |
| Loan and lease loss provision to assets | 0.0629% | 3,259 |
| Net operating income to assets | 0.4785% | 4,894 |
| Return on assets (ROA) | 0.5206% | 4,815 |
| Pretax return on assets | 0.5206% | 5,196 |
| Return on Equity (ROE) | 3.7028% | 5,228 |
| Retained earnings to average equity (ytd only) | 0.9749% | 5,339 |
| Net charge-offs to loans | 0.4187% | 1,014 |
| Credit loss provision to net charge-offs | 35.7143% | 3,750 |
| Earnings coverage of net charge-offs (x) | 3.0750% | 3,982 |
| Efficiency ratio | 85.1012% | 1,269 |
| Assets per employee ($millions) | 2.5492% | 6,133 |
| Cash dividends to net income (ytd only)* | 73.6715% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 3,876 |
| Loan loss allowance to noncurrent loans | 80.2469% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 3,150 |
| Noncurrent loans to loans | 1.5212% | 1,930 |
| Net loans and leases to total assets | 43.2614% | 5,517 |
| Net loans and leases to deposits | 50.6677% | 5,548 |
| Net loans and leases to core deposits | 51.4043% | 5,641 |
| Total domestic deposits to total assets | 85.3828% | 3,131 |
| Equity capital to assets | 14.3446% | 855 |
| Core capital (leverage) ratio | 14.1728% | 771 |
| Tier 1 risk-based capital ratio | 22.3691% | 1,171 |
| Total risk-based capital ratio | 23.2368% | 1,204 |
| Memoranda: | ||
| Average total assets | $159,045,600 | 3,504 |
| Average earning assets | $144,613,400 | 3,528 |
| Average equity | $22,361,600 | 2,910 |
| Average total loans | $66,866,200 | 4,268 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4747% | 5,445 |
| Cost of funding earning assets | 0.2396% | 5,518 |
| Net interest margin | 3.2350% | 4,834 |
| Noninterest income to average assets | 0.7814% | 1,964 |
| Noninterest expense to average assets | 3.0483% | 2,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6358% | 4,280 |
| Return on assets (ROA) | 0.6622% | 4,251 |
| Pretax return on assets | 0.6711% | 4,801 |
| Return on Equity (ROE) | 4.8936% | 4,771 |
| Retained earnings to average equity (ytd only) | 1.6593% | 5,219 |
| Net charge-offs to loans | 0.2414% | 1,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.4305% | 3,087 |
| Efficiency ratio | 82.5490% | 1,548 |
| Assets per employee ($millions) | 2.4434% | 6,263 |
| Cash dividends to net income (ytd only)* | 66.0924% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 5,727 |
| Loan loss allowance to noncurrent loans | 52.6738% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9236% | 3,132 |
| Noncurrent loans to loans | 1.6249% | 2,008 |
| Net loans and leases to total assets | 42.4523% | 5,639 |
| Net loans and leases to deposits | 49.2378% | 5,689 |
| Net loans and leases to core deposits | 49.4839% | 5,816 |
| Total domestic deposits to total assets | 86.2188% | 2,745 |
| Equity capital to assets | 13.5031% | 1,179 |
| Core capital (leverage) ratio | 13.3805% | 1,037 |
| Tier 1 risk-based capital ratio | 20.8547% | 1,481 |
| Total risk-based capital ratio | 21.4276% | 1,593 |
| Memoranda: | ||
| Average total assets | $105,104,000 | 4,519 |
| Average earning assets | $94,586,500 | 4,583 |
| Average equity | $14,222,250 | 4,012 |
| Average total loans | $43,631,750 | 5,105 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4735% | 5,465 |
| Cost of funding earning assets | 0.2480% | 5,508 |
| Net interest margin | 3.2255% | 4,855 |
| Noninterest income to average assets | 0.7728% | 1,950 |
| Noninterest expense to average assets | 3.0565% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6003% | 4,353 |
| Return on assets (ROA) | 0.6059% | 4,430 |
| Pretax return on assets | 0.6155% | 4,907 |
| Return on Equity (ROE) | 4.4747% | 4,930 |
| Retained earnings to average equity (ytd only) | 1.6426% | 5,078 |
| Net charge-offs to loans | 0.0794% | 2,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 18.7059% | 1,668 |
| Efficiency ratio | 83.3682% | 1,587 |
| Assets per employee ($millions) | 2.4313% | 6,336 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 5,237 |
| Loan loss allowance to noncurrent loans | 64.2254% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8982% | 3,300 |
| Noncurrent loans to loans | 1.5970% | 2,177 |
| Net loans and leases to total assets | 42.0892% | 5,671 |
| Net loans and leases to deposits | 49.3639% | 5,685 |
| Net loans and leases to core deposits | 49.6245% | 5,814 |
| Total domestic deposits to total assets | 85.2631% | 3,379 |
| Equity capital to assets | 13.9028% | 1,013 |
| Core capital (leverage) ratio | 13.6145% | 945 |
| Tier 1 risk-based capital ratio | 20.9765% | 1,451 |
| Total risk-based capital ratio | 21.6466% | 1,561 |
| Memoranda: | ||
| Average total assets | $104,302,330 | 4,574 |
| Average earning assets | $93,566,330 | 4,645 |
| Average equity | $14,124,000 | 4,029 |
| Average total loans | $42,831,000 | 5,169 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4028% | 5,640 |
| Cost of funding earning assets | 0.2519% | 5,560 |
| Net interest margin | 3.1509% | 5,087 |
| Noninterest income to average assets | 0.7794% | 1,842 |
| Noninterest expense to average assets | 2.9027% | 3,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7027% | 3,674 |
| Return on assets (ROA) | 0.7065% | 3,730 |
| Pretax return on assets | 0.7141% | 4,444 |
| Return on Equity (ROE) | 5.2879% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.2879% | 2,926 |
| Net charge-offs to loans | 0.1523% | 1,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.5625% | 1,774 |
| Efficiency ratio | 80.3401% | 2,153 |
| Assets per employee ($millions) | 2.4645% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 5,091 |
| Loan loss allowance to noncurrent loans | 49.1927% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 1.0871% | 3,081 |
| Noncurrent loans to loans | 2.2472% | 1,608 |
| Net loans and leases to total assets | 38.5796% | 5,902 |
| Net loans and leases to deposits | 44.7118% | 5,933 |
| Net loans and leases to core deposits | 45.1952% | 6,030 |
| Total domestic deposits to total assets | 86.2852% | 3,218 |
| Equity capital to assets | 13.4138% | 1,133 |
| Core capital (leverage) ratio | 13.5577% | 955 |
| Tier 1 risk-based capital ratio | 22.1546% | 1,271 |
| Total risk-based capital ratio | 22.8608% | 1,335 |
| Memoranda: | ||
| Average total assets | $104,180,000 | 4,624 |
| Average earning assets | $93,687,000 | 4,692 |
| Average equity | $13,918,500 | 4,059 |
| Average total loans | $42,017,000 | 5,239 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5397% | 5,561 |
| Cost of funding earning assets | 0.2843% | 5,725 |
| Net interest margin | 3.2554% | 4,822 |
| Noninterest income to average assets | 0.8942% | 1,697 |
| Noninterest expense to average assets | 2.9148% | 3,330 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8808% | 2,875 |
| Return on assets (ROA) | 0.8923% | 2,909 |
| Pretax return on assets | 0.9059% | 3,744 |
| Return on Equity (ROE) | 6.4389% | 3,856 |
| Retained earnings to average equity (ytd only) | 1.3722% | 5,210 |
| Net charge-offs to loans | 0.0678% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 32.7500% | 1,096 |
| Efficiency ratio | 76.5233% | 2,698 |
| Assets per employee ($millions) | 2.3811% | 6,472 |
| Cash dividends to net income (ytd only)* | 78.6885% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 5,109 |
| Loan loss allowance to noncurrent loans | 53.8111% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 1.2101% | 2,978 |
| Noncurrent loans to loans | 2.0589% | 1,922 |
| Net loans and leases to total assets | 41.2357% | 5,876 |
| Net loans and leases to deposits | 47.7553% | 5,912 |
| Net loans and leases to core deposits | 48.2652% | 6,018 |
| Total domestic deposits to total assets | 86.3479% | 3,081 |
| Equity capital to assets | 13.3044% | 1,138 |
| Core capital (leverage) ratio | 13.8854% | 857 |
| Tier 1 risk-based capital ratio | 21.7673% | 1,299 |
| Total risk-based capital ratio | 22.4951% | 1,358 |
| Memoranda: | ||
| Average total assets | $102,546,000 | 4,680 |
| Average earning assets | $91,816,000 | 4,723 |
| Average equity | $14,210,400 | 4,026 |
| Average total loans | $41,296,200 | 5,295 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5780% | 5,504 |
| Cost of funding earning assets | 0.2862% | 5,843 |
| Net interest margin | 3.2918% | 4,674 |
| Noninterest income to average assets | 0.8409% | 1,973 |
| Noninterest expense to average assets | 2.7476% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0256% | 2,276 |
| Return on assets (ROA) | 1.0411% | 2,301 |
| Pretax return on assets | 1.0540% | 3,283 |
| Return on Equity (ROE) | 7.4384% | 3,414 |
| Retained earnings to average equity (ytd only) | 1.4951% | 5,385 |
| Net charge-offs to loans | 0.1009% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 25.7757% | 1,372 |
| Efficiency ratio | 72.5712% | 3,304 |
| Assets per employee ($millions) | 2.4233% | 6,533 |
| Cash dividends to net income (ytd only)* | 79.9002% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 5,263 |
| Loan loss allowance to noncurrent loans | 41.2643% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 1.3080% | 3,038 |
| Noncurrent loans to loans | 2.7079% | 1,560 |
| Net loans and leases to total assets | 39.9144% | 6,039 |
| Net loans and leases to deposits | 46.1841% | 6,083 |
| Net loans and leases to core deposits | 46.6477% | 6,183 |
| Total domestic deposits to total assets | 86.4246% | 3,007 |
| Equity capital to assets | 13.2520% | 1,218 |
| Core capital (leverage) ratio | 13.8470% | 905 |
| Tier 1 risk-based capital ratio | 21.3960% | 1,421 |
| Total risk-based capital ratio | 22.1085% | 1,494 |
| Memoranda: | ||
| Average total assets | $102,585,750 | 4,725 |
| Average earning assets | $91,781,500 | 4,772 |
| Average equity | $14,357,500 | 4,045 |
| Average total loans | $40,947,000 | 5,358 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5634% | 5,548 |
| Cost of funding earning assets | 0.2893% | 5,908 |
| Net interest margin | 3.2741% | 4,669 |
| Noninterest income to average assets | 0.8251% | 2,087 |
| Noninterest expense to average assets | 2.8418% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9194% | 2,700 |
| Return on assets (ROA) | 0.9427% | 2,746 |
| Pretax return on assets | 0.9564% | 3,690 |
| Return on Equity (ROE) | 6.6161% | 3,823 |
| Retained earnings to average equity (ytd only) | 0.7703% | 5,592 |
| Net charge-offs to loans | 0.0444% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 52.8889% | 773 |
| Efficiency ratio | 75.2856% | 2,898 |
| Assets per employee ($millions) | 2.7005% | 6,294 |
| Cash dividends to net income (ytd only)* | 88.3576% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 4,941 |
| Loan loss allowance to noncurrent loans | 52.9032% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 1.0919% | 3,547 |
| Noncurrent loans to loans | 2.2852% | 2,073 |
| Net loans and leases to total assets | 40.2362% | 6,026 |
| Net loans and leases to deposits | 46.8142% | 6,056 |
| Net loans and leases to core deposits | 47.2972% | 6,161 |
| Total domestic deposits to total assets | 85.9488% | 3,399 |
| Equity capital to assets | 13.6249% | 1,077 |
| Core capital (leverage) ratio | 13.6512% | 924 |
| Tier 1 risk-based capital ratio | 21.8693% | 1,310 |
| Total risk-based capital ratio | 22.6372% | 1,377 |
| Memoranda: | ||
| Average total assets | $102,046,670 | 4,768 |
| Average earning assets | $91,934,330 | 4,795 |
| Average equity | $14,540,330 | 4,038 |
| Average total loans | $40,575,330 | 5,401 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 5,600 |
| Cost of funding earning assets | 0.2970% | 5,990 |
| Net interest margin | 3.2452% | 4,743 |
| Noninterest income to average assets | 0.8185% | 2,056 |
| Noninterest expense to average assets | 2.7582% | 3,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9737% | 2,340 |
| Return on assets (ROA) | 0.9737% | 2,467 |
| Pretax return on assets | 0.9854% | 3,423 |
| Return on Equity (ROE) | 6.6918% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.6918% | 2,319 |
| Net charge-offs to loans | 0.0592% | 3,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 42.3333% | 751 |
| Efficiency ratio | 73.6788% | 3,322 |
| Assets per employee ($millions) | 2.7063% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 4,958 |
| Loan loss allowance to noncurrent loans | 50.9784% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 3,782 |
| Noncurrent loans to loans | 2.4477% | 2,102 |
| Net loans and leases to total assets | 37.1172% | 6,213 |
| Net loans and leases to deposits | 43.8400% | 6,215 |
| Net loans and leases to core deposits | 44.2131% | 6,306 |
| Total domestic deposits to total assets | 84.6652% | 4,191 |
| Equity capital to assets | 14.3267% | 927 |
| Core capital (leverage) ratio | 13.2397% | 1,031 |
| Tier 1 risk-based capital ratio | 22.4469% | 1,253 |
| Total risk-based capital ratio | 23.2288% | 1,310 |
| Memoranda: | ||
| Average total assets | $103,110,000 | 4,789 |
| Average earning assets | $92,937,000 | 4,825 |
| Average equity | $15,003,500 | 3,996 |
| Average total loans | $40,515,000 | 5,439 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8718% | 5,661 |
| Cost of funding earning assets | 0.3765% | 6,073 |
| Net interest margin | 3.4953% | 4,520 |
| Noninterest income to average assets | 0.8305% | 2,129 |
| Noninterest expense to average assets | 2.9513% | 3,458 |
| Loan and lease loss provision to assets | 0.0451% | 5,277 |
| Net operating income to assets | 0.9362% | 2,619 |
| Return on assets (ROA) | 1.0850% | 2,180 |
| Pretax return on assets | 1.1000% | 3,156 |
| Return on Equity (ROE) | 7.2343% | 3,511 |
| Retained earnings to average equity (ytd only) | -0.3474% | 5,914 |
| Net charge-offs to loans | 0.2985% | 3,152 |
| Credit loss provision to net charge-offs | 37.5000% | 4,979 |
| Earnings coverage of net charge-offs (x) | 8.2750% | 2,436 |
| Efficiency ratio | 74.7906% | 2,933 |
| Assets per employee ($millions) | 2.5814% | 6,551 |
| Cash dividends to net income (ytd only)* | 104.8015% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 5,065 |
| Loan loss allowance to noncurrent loans | 47.9885% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 3,757 |
| Noncurrent loans to loans | 2.5242% | 2,090 |
| Net loans and leases to total assets | 40.5846% | 6,132 |
| Net loans and leases to deposits | 49.0304% | 6,028 |
| Net loans and leases to core deposits | 49.7795% | 6,162 |
| Total domestic deposits to total assets | 82.7744% | 4,813 |
| Equity capital to assets | 14.7860% | 791 |
| Core capital (leverage) ratio | 13.5091% | 937 |
| Tier 1 risk-based capital ratio | 22.3713% | 1,201 |
| Total risk-based capital ratio | 23.1742% | 1,247 |
| Memoranda: | ||
| Average total assets | $99,819,400 | 4,838 |
| Average earning assets | $88,977,000 | 4,897 |
| Average equity | $14,970,400 | 3,975 |
| Average total loans | $40,202,000 | 5,494 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 5,793 |
| Cost of funding earning assets | 0.3914% | 6,165 |
| Net interest margin | 3.5047% | 4,624 |
| Noninterest income to average assets | 0.8446% | 2,059 |
| Noninterest expense to average assets | 2.9395% | 3,447 |
| Loan and lease loss provision to assets | 0.0201% | 5,548 |
| Net operating income to assets | 0.9872% | 2,574 |
| Return on assets (ROA) | 1.1860% | 1,973 |
| Pretax return on assets | 1.2020% | 2,988 |
| Return on Equity (ROE) | 7.8798% | 3,335 |
| Retained earnings to average equity (ytd only) | -1.4141% | 6,324 |
| Net charge-offs to loans | 0.2271% | 3,359 |
| Credit loss provision to net charge-offs | 22.0588% | 4,924 |
| Earnings coverage of net charge-offs (x) | 11.2212% | 2,096 |
| Efficiency ratio | 74.2143% | 2,949 |
| Assets per employee ($millions) | 2.6325% | 6,567 |
| Cash dividends to net income (ytd only)* | 117.9463% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 4,782 |
| Loan loss allowance to noncurrent loans | 56.1159% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 3,695 |
| Noncurrent loans to loans | 2.3297% | 2,473 |
| Net loans and leases to total assets | 38.4556% | 6,394 |
| Net loans and leases to deposits | 46.1109% | 6,376 |
| Net loans and leases to core deposits | 47.2872% | 6,456 |
| Total domestic deposits to total assets | 83.3981% | 4,480 |
| Equity capital to assets | 14.6967% | 910 |
| Core capital (leverage) ratio | 13.6254% | 969 |
| Tier 1 risk-based capital ratio | 23.6381% | 1,070 |
| Total risk-based capital ratio | 24.5304% | 1,109 |
| Memoranda: | ||
| Average total assets | $99,605,250 | 4,890 |
| Average earning assets | $88,563,500 | 4,956 |
| Average equity | $14,991,500 | 4,006 |
| Average total loans | $39,912,500 | 5,576 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 5,769 |
| Cost of funding earning assets | 0.4060% | 6,232 |
| Net interest margin | 3.5490% | 4,468 |
| Noninterest income to average assets | 0.7932% | 2,219 |
| Noninterest expense to average assets | 2.9924% | 3,281 |
| Loan and lease loss provision to assets | 0.0304% | 5,288 |
| Net operating income to assets | 0.9115% | 2,854 |
| Return on assets (ROA) | 0.9413% | 2,967 |
| Pretax return on assets | 0.9576% | 3,860 |
| Return on Equity (ROE) | 6.2036% | 4,210 |
| Retained earnings to average equity (ytd only) | -5.1608% | 6,625 |
| Net charge-offs to loans | 0.2959% | 2,844 |
| Credit loss provision to net charge-offs | 25.4237% | 4,521 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,376 |
| Efficiency ratio | 75.7576% | 2,775 |
| Assets per employee ($millions) | 2.5453% | 6,715 |
| Cash dividends to net income (ytd only)* | 183.1897% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 4,793 |
| Loan loss allowance to noncurrent loans | 79.2846% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.1887% | 4,030 |
| Noncurrent loans to loans | 1.6673% | 3,396 |
| Net loans and leases to total assets | 40.0062% | 6,339 |
| Net loans and leases to deposits | 47.9921% | 6,309 |
| Net loans and leases to core deposits | 48.9034% | 6,407 |
| Total domestic deposits to total assets | 83.3600% | 4,597 |
| Equity capital to assets | 14.9576% | 800 |
| Core capital (leverage) ratio | 13.8274% | 856 |
| Tier 1 risk-based capital ratio | 22.4857% | 1,199 |
| Total risk-based capital ratio | 23.3637% | 1,251 |
| Memoranda: | ||
| Average total assets | $98,584,000 | 4,937 |
| Average earning assets | $87,686,670 | 5,000 |
| Average equity | $14,959,000 | 3,996 |
| Average total loans | $39,881,670 | 5,607 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 5,920 |
| Cost of funding earning assets | 0.4240% | 6,289 |
| Net interest margin | 3.5183% | 4,599 |
| Noninterest income to average assets | 0.8387% | 1,988 |
| Noninterest expense to average assets | 2.9478% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0464% | 2,300 |
| Return on assets (ROA) | 1.0464% | 2,491 |
| Pretax return on assets | 1.0667% | 3,450 |
| Return on Equity (ROE) | 6.8467% | 3,864 |
| Retained earnings to average equity (ytd only) | -2.4776% | 6,335 |
| Net charge-offs to loans | 0.3627% | 2,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.2778% | 2,094 |
| Efficiency ratio | 73.4280% | 3,190 |
| Assets per employee ($millions) | 2.5429% | 6,815 |
| Cash dividends to net income (ytd only)* | 136.1868% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 4,490 |
| Loan loss allowance to noncurrent loans | 76.5957% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.1945% | 4,132 |
| Noncurrent loans to loans | 1.8617% | 3,327 |
| Net loans and leases to total assets | 36.6992% | 6,579 |
| Net loans and leases to deposits | 43.5055% | 6,585 |
| Net loans and leases to core deposits | 44.5703% | 6,635 |
| Total domestic deposits to total assets | 84.3555% | 4,345 |
| Equity capital to assets | 14.7931% | 785 |
| Core capital (leverage) ratio | 13.5304% | 939 |
| Tier 1 risk-based capital ratio | 24.0354% | 998 |
| Total risk-based capital ratio | 24.9680% | 1,024 |
| Memoranda: | ||
| Average total assets | $98,242,500 | 4,971 |
| Average earning assets | $88,679,500 | 5,001 |
| Average equity | $15,014,500 | 3,987 |
| Average total loans | $39,700,000 | 5,656 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3724% | 5,526 |
| Cost of funding earning assets | 0.5575% | 6,299 |
| Net interest margin | 3.8149% | 3,746 |
| Noninterest income to average assets | 0.9959% | 1,378 |
| Noninterest expense to average assets | 3.1733% | 2,952 |
| Loan and lease loss provision to assets | 0.2127% | 4,064 |
| Net operating income to assets | 1.0301% | 2,084 |
| Return on assets (ROA) | 1.1982% | 1,624 |
| Pretax return on assets | 1.1992% | 2,460 |
| Return on Equity (ROE) | 7.9538% | 2,933 |
| Retained earnings to average equity (ytd only) | 3.8219% | 3,492 |
| Net charge-offs to loans | 0.4952% | 3,015 |
| Credit loss provision to net charge-offs | 99.5146% | 3,590 |
| Earnings coverage of net charge-offs (x) | 5.8204% | 2,671 |
| Efficiency ratio | 71.8412% | 3,611 |
| Assets per employee ($millions) | 2.3692% | 6,941 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 4,528 |
| Loan loss allowance to noncurrent loans | 61.6702% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.4731% | 3,748 |
| Noncurrent loans to loans | 2.2489% | 2,898 |
| Net loans and leases to total assets | 43.2156% | 6,273 |
| Net loans and leases to deposits | 52.0163% | 6,213 |
| Net loans and leases to core deposits | 53.4821% | 6,338 |
| Total domestic deposits to total assets | 83.0810% | 4,715 |
| Equity capital to assets | 15.8090% | 608 |
| Core capital (leverage) ratio | 14.3149% | 752 |
| Tier 1 risk-based capital ratio | 23.5942% | 1,011 |
| Total risk-based capital ratio | 24.5642% | 1,044 |
| Memoranda: | ||
| Average total assets | $96,397,000 | 4,995 |
| Average earning assets | $86,450,800 | 5,048 |
| Average equity | $14,521,400 | 4,006 |
| Average total loans | $41,599,200 | 5,615 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 5,696 |
| Cost of funding earning assets | 0.5839% | 6,362 |
| Net interest margin | 3.7890% | 3,932 |
| Noninterest income to average assets | 0.9242% | 1,567 |
| Noninterest expense to average assets | 3.1444% | 3,009 |
| Loan and lease loss provision to assets | 0.2479% | 3,524 |
| Net operating income to assets | 0.9269% | 2,641 |
| Return on assets (ROA) | 1.1501% | 1,930 |
| Pretax return on assets | 1.1514% | 2,819 |
| Return on Equity (ROE) | 7.7280% | 3,164 |
| Retained earnings to average equity (ytd only) | 3.1005% | 4,478 |
| Net charge-offs to loans | 0.4485% | 2,929 |
| Credit loss provision to net charge-offs | 128.5714% | 2,480 |
| Earnings coverage of net charge-offs (x) | 6.1001% | 2,620 |
| Efficiency ratio | 72.7765% | 3,407 |
| Assets per employee ($millions) | 2.4678% | 6,925 |
| Cash dividends to net income (ytd only)* | 59.8800% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 4,086 |
| Loan loss allowance to noncurrent loans | 51.3739% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 1.6016% | 3,681 |
| Noncurrent loans to loans | 2.9218% | 2,383 |
| Net loans and leases to total assets | 41.0167% | 6,560 |
| Net loans and leases to deposits | 49.1837% | 6,544 |
| Net loans and leases to core deposits | 50.6911% | 6,638 |
| Total domestic deposits to total assets | 83.3950% | 4,524 |
| Equity capital to assets | 15.0925% | 835 |
| Core capital (leverage) ratio | 14.0441% | 891 |
| Tier 1 risk-based capital ratio | 23.3437% | 1,099 |
| Total risk-based capital ratio | 24.3881% | 1,113 |
| Memoranda: | ||
| Average total assets | $96,804,000 | 5,012 |
| Average earning assets | $86,776,250 | 5,071 |
| Average equity | $14,406,250 | 4,053 |
| Average total loans | $41,616,250 | 5,662 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3771% | 5,770 |
| Cost of funding earning assets | 0.6687% | 6,130 |
| Net interest margin | 3.7084% | 4,220 |
| Noninterest income to average assets | 0.9120% | 1,610 |
| Noninterest expense to average assets | 2.9251% | 3,921 |
| Loan and lease loss provision to assets | 0.0657% | 5,488 |
| Net operating income to assets | 1.2563% | 1,427 |
| Return on assets (ROA) | 1.4481% | 1,042 |
| Pretax return on assets | 1.4507% | 1,662 |
| Return on Equity (ROE) | 9.6794% | 2,236 |
| Retained earnings to average equity (ytd only) | 4.2336% | 3,503 |
| Net charge-offs to loans | 0.5583% | 2,429 |
| Credit loss provision to net charge-offs | 27.1739% | 5,028 |
| Earnings coverage of net charge-offs (x) | 5.4783% | 2,607 |
| Efficiency ratio | 68.8312% | 4,361 |
| Assets per employee ($millions) | 2.4669% | 6,955 |
| Cash dividends to net income (ytd only)* | 56.2613% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 5,248 |
| Loan loss allowance to noncurrent loans | 67.1498% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 4,962 |
| Noncurrent loans to loans | 1.8794% | 3,639 |
| Net loans and leases to total assets | 42.6623% | 6,546 |
| Net loans and leases to deposits | 51.1804% | 6,523 |
| Net loans and leases to core deposits | 52.4973% | 6,635 |
| Total domestic deposits to total assets | 83.3567% | 4,609 |
| Equity capital to assets | 15.2442% | 762 |
| Core capital (leverage) ratio | 14.5624% | 753 |
| Tier 1 risk-based capital ratio | 24.0571% | 1,003 |
| Total risk-based capital ratio | 24.9574% | 1,022 |
| Memoranda: | ||
| Average total assets | $76,099,330 | 5,651 |
| Average earning assets | $68,493,000 | 5,680 |
| Average equity | $11,385,000 | 4,720 |
| Average total loans | $32,957,330 | 6,138 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 5,987 |
| Cost of funding earning assets | 0.7118% | 6,069 |
| Net interest margin | 3.6000% | 4,567 |
| Noninterest income to average assets | 0.8589% | 1,820 |
| Noninterest expense to average assets | 2.8296% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2752% | 1,333 |
| Return on assets (ROA) | 1.2962% | 1,316 |
| Pretax return on assets | 1.3015% | 2,040 |
| Return on Equity (ROE) | 8.7478% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.7478% | 1,474 |
| Net charge-offs to loans | 0.3646% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.1000% | 1,860 |
| Efficiency ratio | 68.8462% | 4,502 |
| Assets per employee ($millions) | 2.5051% | 6,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 4,555 |
| Loan loss allowance to noncurrent loans | 57.3232% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 4,654 |
| Noncurrent loans to loans | 2.4818% | 3,010 |
| Net loans and leases to total assets | 40.5084% | 6,741 |
| Net loans and leases to deposits | 47.9806% | 6,759 |
| Net loans and leases to core deposits | 49.1201% | 6,824 |
| Total domestic deposits to total assets | 84.4266% | 4,310 |
| Equity capital to assets | 14.6501% | 840 |
| Core capital (leverage) ratio | 13.9577% | 858 |
| Tier 1 risk-based capital ratio | 24.6883% | 912 |
| Total risk-based capital ratio | 25.6937% | 912 |
| Memoranda: | ||
| Average total assets | $75,911,500 | 5,700 |
| Average earning assets | $68,555,500 | 5,713 |
| Average equity | $11,248,500 | 4,733 |
| Average total loans | $32,914,500 | 6,188 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8420% | 5,268 |
| Cost of funding earning assets | 0.9229% | 6,062 |
| Net interest margin | 3.9192% | 3,404 |
| Noninterest income to average assets | 0.9044% | 1,839 |
| Noninterest expense to average assets | 2.8792% | 4,315 |
| Loan and lease loss provision to assets | 0.2584% | 4,727 |
| Net operating income to assets | 1.3151% | 1,132 |
| Return on assets (ROA) | 1.4417% | 937 |
| Pretax return on assets | 1.4525% | 1,505 |
| Return on Equity (ROE) | 9.5192% | 2,101 |
| Retained earnings to average equity (ytd only) | 4.8763% | 2,491 |
| Net charge-offs to loans | 0.3832% | 4,123 |
| Credit loss provision to net charge-offs | 143.9394% | 2,593 |
| Earnings coverage of net charge-offs (x) | 8.8182% | 1,920 |
| Efficiency ratio | 64.5230% | 5,256 |
| Assets per employee ($millions) | 2.3924% | 7,138 |
| Cash dividends to net income (ytd only)* | 48.7736% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 4,389 |
| Loan loss allowance to noncurrent loans | 67.9775% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 5,044 |
| Noncurrent loans to loans | 2.0992% | 3,436 |
| Net loans and leases to total assets | 45.0792% | 6,629 |
| Net loans and leases to deposits | 53.8114% | 6,621 |
| Net loans and leases to core deposits | 55.6095% | 6,714 |
| Total domestic deposits to total assets | 83.7727% | 4,467 |
| Equity capital to assets | 14.9936% | 790 |
| Core capital (leverage) ratio | 14.2506% | 798 |
| Tier 1 risk-based capital ratio | 22.8209% | 1,062 |
| Total risk-based capital ratio | 23.8340% | 1,074 |
| Memoranda: | ||
| Average total assets | $73,526,400 | 5,774 |
| Average earning assets | $66,748,600 | 5,777 |
| Average equity | $11,135,400 | 4,832 |
| Average total loans | $34,448,600 | 6,187 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 5,399 |
| Cost of funding earning assets | 0.9447% | 6,203 |
| Net interest margin | 3.9247% | 3,429 |
| Noninterest income to average assets | 0.9414% | 1,643 |
| Noninterest expense to average assets | 2.8713% | 4,200 |
| Loan and lease loss provision to assets | 0.2726% | 4,407 |
| Net operating income to assets | 1.3592% | 1,193 |
| Return on assets (ROA) | 1.5284% | 950 |
| Pretax return on assets | 1.5393% | 1,508 |
| Return on Equity (ROE) | 10.0663% | 2,098 |
| Retained earnings to average equity (ytd only) | 5.0151% | 2,980 |
| Net charge-offs to loans | 0.4125% | 3,645 |
| Credit loss provision to net charge-offs | 140.1869% | 2,837 |
| Earnings coverage of net charge-offs (x) | 8.4394% | 2,163 |
| Efficiency ratio | 63.6327% | 5,315 |
| Assets per employee ($millions) | 2.5580% | 7,000 |
| Cash dividends to net income (ytd only)* | 50.1779% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 4,658 |
| Loan loss allowance to noncurrent loans | 68.9706% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 5,121 |
| Noncurrent loans to loans | 1.9750% | 3,712 |
| Net loans and leases to total assets | 44.2565% | 6,821 |
| Net loans and leases to deposits | 52.7360% | 6,850 |
| Net loans and leases to core deposits | 56.8278% | 6,800 |
| Total domestic deposits to total assets | 83.9208% | 4,176 |
| Equity capital to assets | 15.0028% | 893 |
| Core capital (leverage) ratio | 14.5119% | 815 |
| Tier 1 risk-based capital ratio | 22.7087% | 1,106 |
| Total risk-based capital ratio | 23.6969% | 1,110 |
| Memoranda: | ||
| Average total assets | $73,366,750 | 5,844 |
| Average earning assets | $66,755,750 | 5,841 |
| Average equity | $11,139,250 | 4,891 |
| Average total loans | $34,581,500 | 6,260 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 5,060 |
| Cost of funding earning assets | 0.9826% | 6,228 |
| Net interest margin | 3.9917% | 3,058 |
| Noninterest income to average assets | 0.9247% | 1,600 |
| Noninterest expense to average assets | 2.8543% | 4,249 |
| Loan and lease loss provision to assets | 0.2492% | 4,432 |
| Net operating income to assets | 1.4212% | 1,050 |
| Return on assets (ROA) | 1.5143% | 954 |
| Pretax return on assets | 1.5254% | 1,489 |
| Return on Equity (ROE) | 9.9322% | 2,132 |
| Retained earnings to average equity (ytd only) | 4.2670% | 3,361 |
| Net charge-offs to loans | 0.6584% | 2,570 |
| Credit loss provision to net charge-offs | 78.9474% | 4,733 |
| Earnings coverage of net charge-offs (x) | 5.3246% | 2,698 |
| Efficiency ratio | 62.9426% | 5,532 |
| Assets per employee ($millions) | 2.3415% | 7,308 |
| Cash dividends to net income (ytd only)* | 57.0384% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 5,733 |
| Loan loss allowance to noncurrent loans | 60.3604% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.0195% | 5,101 |
| Noncurrent loans to loans | 1.8919% | 3,875 |
| Net loans and leases to total assets | 47.9432% | 6,625 |
| Net loans and leases to deposits | 56.9211% | 6,660 |
| Net loans and leases to core deposits | 59.1854% | 6,758 |
| Total domestic deposits to total assets | 84.2274% | 4,002 |
| Equity capital to assets | 15.5067% | 769 |
| Core capital (leverage) ratio | 14.7485% | 774 |
| Tier 1 risk-based capital ratio | 24.6080% | 883 |
| Total risk-based capital ratio | 25.5418% | 890 |
| Memoranda: | ||
| Average total assets | $72,242,670 | 5,911 |
| Average earning assets | $65,335,670 | 5,915 |
| Average equity | $11,014,670 | 4,916 |
| Average total loans | $34,631,670 | 6,303 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 5,011 |
| Cost of funding earning assets | 1.0154% | 6,300 |
| Net interest margin | 3.9877% | 2,927 |
| Noninterest income to average assets | 0.9990% | 1,315 |
| Noninterest expense to average assets | 2.8916% | 4,092 |
| Loan and lease loss provision to assets | 0.1388% | 5,166 |
| Net operating income to assets | 1.5540% | 816 |
| Return on assets (ROA) | 1.5540% | 876 |
| Pretax return on assets | 1.5651% | 1,350 |
| Return on Equity (ROE) | 10.2809% | 2,013 |
| Retained earnings to average equity (ytd only) | 10.2809% | 1,086 |
| Net charge-offs to loans | 0.5940% | 2,322 |
| Credit loss provision to net charge-offs | 49.0196% | 4,505 |
| Earnings coverage of net charge-offs (x) | 6.0196% | 2,298 |
| Efficiency ratio | 62.9227% | 5,675 |
| Assets per employee ($millions) | 2.3355% | 7,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,687 |
| Loan loss allowance to noncurrent loans | 51.9481% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 4,463 |
| Noncurrent loans to loans | 2.2408% | 3,470 |
| Net loans and leases to total assets | 46.9109% | 6,759 |
| Net loans and leases to deposits | 55.5759% | 6,807 |
| Net loans and leases to core deposits | 59.2847% | 6,798 |
| Total domestic deposits to total assets | 84.4086% | 3,946 |
| Equity capital to assets | 15.2903% | 812 |
| Core capital (leverage) ratio | 14.5834% | 835 |
| Tier 1 risk-based capital ratio | 22.8221% | 1,104 |
| Total risk-based capital ratio | 23.6804% | 1,124 |
| Memoranda: | ||
| Average total assets | $72,070,000 | 5,993 |
| Average earning assets | $65,000,500 | 5,996 |
| Average equity | $10,894,000 | 5,006 |
| Average total loans | $34,346,000 | 6,399 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4375% | 4,502 |
| Cost of funding earning assets | 1.3340% | 6,195 |
| Net interest margin | 4.1034% | 2,429 |
| Noninterest income to average assets | 1.0953% | 1,280 |
| Noninterest expense to average assets | 3.0853% | 3,812 |
| Loan and lease loss provision to assets | 0.3321% | 4,819 |
| Net operating income to assets | 1.3819% | 882 |
| Return on assets (ROA) | 1.3455% | 996 |
| Pretax return on assets | 1.3625% | 1,525 |
| Return on Equity (ROE) | 8.9876% | 2,029 |
| Retained earnings to average equity (ytd only) | 1.4350% | 4,061 |
| Net charge-offs to loans | 0.6686% | 3,180 |
| Credit loss provision to net charge-offs | 96.3115% | 5,763 |
| Earnings coverage of net charge-offs (x) | 5.0205% | 2,715 |
| Efficiency ratio | 64.0552% | 5,769 |
| Assets per employee ($millions) | 2.3142% | 7,456 |
| Cash dividends to net income (ytd only)* | 84.0336% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 5,118 |
| Loan loss allowance to noncurrent loans | 39.7388% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 1.7730% | 3,714 |
| Noncurrent loans to loans | 3.1227% | 2,453 |
| Net loans and leases to total assets | 47.2575% | 6,873 |
| Net loans and leases to deposits | 55.7744% | 6,933 |
| Net loans and leases to core deposits | 64.4348% | 7,064 |
| Total domestic deposits to total assets | 84.7298% | 3,695 |
| Equity capital to assets | 14.9399% | 925 |
| Core capital (leverage) ratio | 13.5909% | 1,068 |
| Tier 1 risk-based capital ratio | 21.2916% | 1,253 |
| Total risk-based capital ratio | 22.1674% | 1,277 |
| Memoranda: | ||
| Average total assets | $70,753,800 | 5,980 |
| Average earning assets | $64,165,600 | 5,992 |
| Average equity | $10,592,400 | 5,131 |
| Average total loans | $36,495,600 | 6,280 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4875% | 4,482 |
| Cost of funding earning assets | 1.3797% | 6,303 |
| Net interest margin | 4.1078% | 2,364 |
| Noninterest income to average assets | 1.0911% | 1,340 |
| Noninterest expense to average assets | 3.1883% | 3,341 |
| Loan and lease loss provision to assets | 0.2175% | 5,239 |
| Net operating income to assets | 1.3998% | 1,031 |
| Return on assets (ROA) | 1.4466% | 985 |
| Pretax return on assets | 1.4655% | 1,503 |
| Return on Equity (ROE) | 9.6579% | 2,048 |
| Retained earnings to average equity (ytd only) | 0.1894% | 5,116 |
| Net charge-offs to loans | 0.3708% | 3,801 |
| Credit loss provision to net charge-offs | 111.6505% | 4,551 |
| Earnings coverage of net charge-offs (x) | 8.3980% | 2,250 |
| Efficiency ratio | 66.0917% | 5,345 |
| Assets per employee ($millions) | 2.4635% | 7,284 |
| Cash dividends to net income (ytd only)* | 98.0401% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 4,937 |
| Loan loss allowance to noncurrent loans | 37.0340% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 2.0558% | 3,270 |
| Noncurrent loans to loans | 3.3299% | 2,268 |
| Net loans and leases to total assets | 46.8777% | 7,046 |
| Net loans and leases to deposits | 54.8659% | 7,155 |
| Net loans and leases to core deposits | 62.2252% | 7,319 |
| Total domestic deposits to total assets | 85.4404% | 3,001 |
| Equity capital to assets | 14.0659% | 1,287 |
| Core capital (leverage) ratio | 13.5560% | 1,219 |
| Tier 1 risk-based capital ratio | 21.5415% | 1,282 |
| Total risk-based capital ratio | 22.4839% | 1,321 |
| Memoranda: | ||
| Average total assets | $70,507,000 | 6,024 |
| Average earning assets | $64,070,750 | 6,031 |
| Average equity | $10,561,000 | 5,173 |
| Average total loans | $37,037,250 | 6,286 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7595% | 3,252 |
| Cost of funding earning assets | 1.4350% | 6,367 |
| Net interest margin | 4.3245% | 1,593 |
| Noninterest income to average assets | 1.1057% | 1,300 |
| Noninterest expense to average assets | 3.1246% | 3,601 |
| Loan and lease loss provision to assets | 0.2626% | 4,474 |
| Net operating income to assets | 1.6082% | 665 |
| Return on assets (ROA) | 1.6805% | 641 |
| Pretax return on assets | 1.7038% | 1,004 |
| Return on Equity (ROE) | 10.9707% | 1,706 |
| Retained earnings to average equity (ytd only) | -1.1237% | 5,515 |
| Net charge-offs to loans | 0.3539% | 3,415 |
| Credit loss provision to net charge-offs | 136.3636% | 3,422 |
| Earnings coverage of net charge-offs (x) | 9.8333% | 2,069 |
| Efficiency ratio | 62.2674% | 6,209 |
| Assets per employee ($millions) | 2.3798% | 7,459 |
| Cash dividends to net income (ytd only)* | 110.2431% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 4,337 |
| Loan loss allowance to noncurrent loans | 36.3133% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 2.4120% | 2,687 |
| Noncurrent loans to loans | 3.5470% | 1,973 |
| Net loans and leases to total assets | 49.2716% | 6,934 |
| Net loans and leases to deposits | 57.9398% | 7,034 |
| Net loans and leases to core deposits | 65.9622% | 7,216 |
| Total domestic deposits to total assets | 85.0394% | 3,243 |
| Equity capital to assets | 14.5222% | 1,158 |
| Core capital (leverage) ratio | 14.2867% | 1,073 |
| Tier 1 risk-based capital ratio | 22.1850% | 1,223 |
| Total risk-based capital ratio | 23.1890% | 1,236 |
| Memoranda: | ||
| Average total assets | $68,553,000 | 6,130 |
| Average earning assets | $62,019,330 | 6,145 |
| Average equity | $10,500,670 | 5,213 |
| Average total loans | $37,300,670 | 6,327 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9770% | 2,454 |
| Cost of funding earning assets | 1.5224% | 6,334 |
| Net interest margin | 4.4546% | 1,223 |
| Noninterest income to average assets | 1.1142% | 1,192 |
| Noninterest expense to average assets | 3.3009% | 2,654 |
| Loan and lease loss provision to assets | 0.2979% | 3,566 |
| Net operating income to assets | 1.4896% | 960 |
| Return on assets (ROA) | 1.4896% | 1,029 |
| Pretax return on assets | 1.5253% | 1,595 |
| Return on Equity (ROE) | 9.4634% | 2,548 |
| Retained earnings to average equity (ytd only) | 9.4634% | 1,349 |
| Net charge-offs to loans | 0.2622% | 3,084 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 12.2400% | 1,817 |
| Efficiency ratio | 64.4186% | 5,607 |
| Assets per employee ($millions) | 2.2577% | 7,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 4,530 |
| Loan loss allowance to noncurrent loans | 28.0659% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 2.6132% | 2,194 |
| Noncurrent loans to loans | 4.4135% | 1,321 |
| Net loans and leases to total assets | 54.1487% | 6,446 |
| Net loans and leases to deposits | 64.7505% | 6,487 |
| Net loans and leases to core deposits | 73.5698% | 6,832 |
| Total domestic deposits to total assets | 83.6266% | 3,866 |
| Equity capital to assets | 15.9659% | 877 |
| Core capital (leverage) ratio | 15.3154% | 896 |
| Tier 1 risk-based capital ratio | 23.8041% | 1,104 |
| Total risk-based capital ratio | 24.8519% | 1,105 |
| Memoranda: | ||
| Average total assets | $67,132,500 | 6,209 |
| Average earning assets | $60,432,000 | 6,241 |
| Average equity | $10,567,000 | 5,219 |
| Average total loans | $38,133,000 | 6,326 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5154% | 2,885 |
| Cost of funding earning assets | 2.1634% | 5,766 |
| Net interest margin | 4.3520% | 1,816 |
| Noninterest income to average assets | 1.2930% | 876 |
| Noninterest expense to average assets | 3.2182% | 3,270 |
| Loan and lease loss provision to assets | 0.1912% | 4,969 |
| Net operating income to assets | 1.7807% | 575 |
| Return on assets (ROA) | 1.7807% | 552 |
| Pretax return on assets | 1.7928% | 961 |
| Return on Equity (ROE) | 12.0324% | 1,585 |
| Retained earnings to average equity (ytd only) | 6.1840% | 1,447 |
| Net charge-offs to loans | 0.4001% | 2,817 |
| Credit loss provision to net charge-offs | 79.8742% | 5,906 |
| Earnings coverage of net charge-offs (x) | 8.2893% | 2,905 |
| Efficiency ratio | 61.8634% | 5,980 |
| Assets per employee ($millions) | 2.2178% | 7,678 |
| Cash dividends to net income (ytd only)* | 48.6052% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,189 |
| Loan loss allowance to noncurrent loans | 27.8489% | 6,842 |
| Noncurrent assets plus other real estate owned to assets | 2.5596% | 1,885 |
| Noncurrent loans to loans | 3.9918% | 1,232 |
| Net loans and leases to total assets | 58.1591% | 6,178 |
| Net loans and leases to deposits | 69.6542% | 6,310 |
| Net loans and leases to core deposits | 80.3985% | 6,584 |
| Total domestic deposits to total assets | 83.4969% | 3,574 |
| Equity capital to assets | 15.5111% | 1,044 |
| Core capital (leverage) ratio | 14.4975% | 1,143 |
| Tier 1 risk-based capital ratio | 21.5135% | 1,388 |
| Total risk-based capital ratio | 22.4637% | 1,399 |
| Memoranda: | ||
| Average total assets | $66,433,800 | 6,145 |
| Average earning assets | $59,673,600 | 6,185 |
| Average equity | $9,831,800 | 5,458 |
| Average total loans | $39,737,400 | 6,170 |