Home > South Story Bank & Trust > Performance and Condition Ratios
South Story Bank & Trust, 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 | 5.5151% | 1,134 |
| Cost of funding earning assets | 2.7296% | 239 |
| Net interest margin | 2.7855% | 3,690 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.5886% | 2,039 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.1452% | 4,214 |
| Return on assets (ROA) | 0.1428% | 4,241 |
| Pretax return on assets | 0.1934% | 4,205 |
| Return on Equity (ROE) | 1.0700% | 4,255 |
| Retained earnings to average equity (ytd only) | 1.0730% | 3,821 |
| Net charge-offs to loans | -0.0017% | 3,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.8516% | 455 |
| Assets per employee ($millions) | 7.7574% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 3,533 |
| Loan loss allowance to noncurrent loans | 1,685.7143% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,245 |
| Noncurrent loans to loans | 0.0564% | 3,313 |
| Net loans and leases to total assets | 91.5500% | 19 |
| Net loans and leases to deposits | 127.1499% | 55 |
| Net loans and leases to core deposits | 152.5888% | 192 |
| Total domestic deposits to total assets | 72.0000% | 4,232 |
| Equity capital to assets | 12.4180% | 1,003 |
| Core capital (leverage) ratio | 11.2815% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $460,098,600 | 1,823 |
| Average earning assets | $429,838,800 | 1,813 |
| Average equity | $61,228,000 | 1,374 |
| Average total loans | $412,400,800 | 1,442 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3725% | 1,176 |
| Cost of funding earning assets | 2.5659% | 247 |
| Net interest margin | 2.8066% | 3,717 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.5489% | 2,089 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.1541% | 4,278 |
| Return on assets (ROA) | 0.1520% | 4,291 |
| Pretax return on assets | 0.2001% | 4,263 |
| Return on Equity (ROE) | 1.1200% | 4,300 |
| Retained earnings to average equity (ytd only) | 1.1212% | 3,923 |
| Net charge-offs to loans | -0.0023% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.6041% | 454 |
| Assets per employee ($millions) | 7.5937% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 3,388 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 89.1700% | 52 |
| Net loans and leases to deposits | 112.4470% | 155 |
| Net loans and leases to core deposits | 135.4439% | 271 |
| Total domestic deposits to total assets | 79.3000% | 3,638 |
| Equity capital to assets | 12.6015% | 892 |
| Core capital (leverage) ratio | 11.6028% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $451,005,500 | 1,848 |
| Average earning assets | $419,805,500 | 1,838 |
| Average equity | $61,122,000 | 1,364 |
| Average total loans | $400,776,250 | 1,465 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1392% | 1,304 |
| Cost of funding earning assets | 2.3305% | 258 |
| Net interest margin | 2.8087% | 3,805 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.5192% | 2,154 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.1520% | 4,332 |
| Return on assets (ROA) | 0.1534% | 4,359 |
| Pretax return on assets | 0.2003% | 4,318 |
| Return on Equity (ROE) | 1.1000% | 4,362 |
| Retained earnings to average equity (ytd only) | 1.1034% | 3,892 |
| Net charge-offs to loans | -0.0031% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.6559% | 470 |
| Assets per employee ($millions) | 7.1760% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 3,120 |
| Loan loss allowance to noncurrent loans | 337.9013% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 1,792 |
| Noncurrent loans to loans | 0.3148% | 2,010 |
| Net loans and leases to total assets | 88.7700% | 64 |
| Net loans and leases to deposits | 111.5391% | 177 |
| Net loans and leases to core deposits | 141.9500% | 198 |
| Total domestic deposits to total assets | 79.5900% | 3,633 |
| Equity capital to assets | 13.5383% | 710 |
| Core capital (leverage) ratio | 12.4051% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $439,341,333 | 1,887 |
| Average earning assets | $407,807,000 | 1,882 |
| Average equity | $61,081,667 | 1,368 |
| Average total loans | $388,458,000 | 1,483 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 1,315 |
| Cost of funding earning assets | 2.1223% | 222 |
| Net interest margin | 2.8333% | 3,899 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.4953% | 2,258 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.1691% | 4,386 |
| Return on assets (ROA) | 0.1728% | 4,359 |
| Pretax return on assets | 0.2273% | 4,313 |
| Return on Equity (ROE) | 1.2300% | 4,365 |
| Retained earnings to average equity (ytd only) | 1.2258% | 3,835 |
| Net charge-offs to loans | -0.0063% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.8965% | 553 |
| Assets per employee ($millions) | 6.9122% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 3,119 |
| Loan loss allowance to noncurrent loans | 435.4339% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 1,993 |
| Noncurrent loans to loans | 0.2497% | 2,252 |
| Net loans and leases to total assets | 89.4700% | 40 |
| Net loans and leases to deposits | 112.1851% | 149 |
| Net loans and leases to core deposits | 142.0596% | 170 |
| Total domestic deposits to total assets | 79.7500% | 3,795 |
| Equity capital to assets | 14.2688% | 558 |
| Core capital (leverage) ratio | 12.6324% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $432,968,000 | 1,932 |
| Average earning assets | $400,518,000 | 1,934 |
| Average equity | $61,020,000 | 1,382 |
| Average total loans | $379,869,000 | 1,524 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 1,270 |
| Cost of funding earning assets | 0.7297% | 508 |
| Net interest margin | 3.4589% | 2,068 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.6481% | 1,685 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 0.5475% | 3,996 |
| Return on assets (ROA) | 0.5477% | 3,960 |
| Pretax return on assets | 0.7203% | 3,813 |
| Return on Equity (ROE) | 4.7700% | 4,052 |
| Retained earnings to average equity (ytd only) | 4.7744% | 3,147 |
| Net charge-offs to loans | -0.0069% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.6195% | 1,604 |
| Assets per employee ($millions) | 7.2897% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 2,941 |
| Loan loss allowance to noncurrent loans | 1,460.0719% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 3,171 |
| Noncurrent loans to loans | 0.0747% | 3,225 |
| Net loans and leases to total assets | 84.1500% | 245 |
| Net loans and leases to deposits | 107.8542% | 199 |
| Net loans and leases to core deposits | 121.7134% | 341 |
| Total domestic deposits to total assets | 78.0200% | 4,089 |
| Equity capital to assets | 13.9216% | 585 |
| Core capital (leverage) ratio | 13.4177% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $385,410,400 | 2,081 |
| Average earning assets | $358,347,800 | 2,074 |
| Average equity | $44,214,600 | 1,781 |
| Average total loans | $320,898,200 | 1,633 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 1,292 |
| Cost of funding earning assets | 0.4796% | 842 |
| Net interest margin | 3.5057% | 1,648 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.7187% | 1,428 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 0.6078% | 3,813 |
| Return on assets (ROA) | 0.6075% | 3,771 |
| Pretax return on assets | 0.8009% | 3,571 |
| Return on Equity (ROE) | 5.6500% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.6501% | 2,877 |
| Net charge-offs to loans | -0.0095% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.6706% | 1,799 |
| Assets per employee ($millions) | 7.0886% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 3,182 |
| Loan loss allowance to noncurrent loans | 1,360.6498% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,195 |
| Noncurrent loans to loans | 0.0782% | 3,316 |
| Net loans and leases to total assets | 88.3000% | 53 |
| Net loans and leases to deposits | 109.1564% | 131 |
| Net loans and leases to core deposits | 120.4103% | 252 |
| Total domestic deposits to total assets | 80.9000% | 4,001 |
| Equity capital to assets | 10.1806% | 1,532 |
| Core capital (leverage) ratio | 8.8920% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $372,418,250 | 2,142 |
| Average earning assets | $349,177,250 | 2,127 |
| Average equity | $40,045,750 | 1,946 |
| Average total loans | $308,096,000 | 1,676 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8227% | 1,268 |
| Cost of funding earning assets | 0.4071% | 878 |
| Net interest margin | 3.4156% | 1,553 |
| Noninterest income to average assets | 0.5463% | 1,963 |
| Noninterest expense to average assets | 2.8218% | 1,132 |
| Loan and lease loss provision to assets | 0.2158% | 368 |
| Net operating income to assets | 0.5358% | 3,808 |
| Return on assets (ROA) | 0.5354% | 3,760 |
| Pretax return on assets | 0.7056% | 3,558 |
| Return on Equity (ROE) | 4.8844% | 3,837 |
| Retained earnings to average equity (ytd only) | 4.8844% | 2,746 |
| Net charge-offs to loans | -0.0150% | 3,763 |
| Credit loss provision to net charge-offs | -1,786.3636% | 3,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3673% | 1,700 |
| Assets per employee ($millions) | 7.2573% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,042 |
| Loan loss allowance to noncurrent loans | 1,261.2903% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,249 |
| Noncurrent loans to loans | 0.0895% | 3,325 |
| Net loans and leases to total assets | 80.1111% | 395 |
| Net loans and leases to deposits | 93.5904% | 534 |
| Net loans and leases to core deposits | 106.1564% | 447 |
| Total domestic deposits to total assets | 85.5976% | 3,351 |
| Equity capital to assets | 10.3638% | 1,501 |
| Core capital (leverage) ratio | 8.9394% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,237,667 | 2,184 |
| Average earning assets | $340,962,333 | 2,178 |
| Average equity | $39,923,333 | 1,994 |
| Average total loans | $292,697,000 | 1,741 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7066% | 1,259 |
| Cost of funding earning assets | 0.3792% | 995 |
| Net interest margin | 3.3274% | 1,507 |
| Noninterest income to average assets | 0.6237% | 1,589 |
| Noninterest expense to average assets | 2.8585% | 1,041 |
| Loan and lease loss provision to assets | 0.2068% | 351 |
| Net operating income to assets | 0.5100% | 3,683 |
| Return on assets (ROA) | 0.5118% | 3,649 |
| Pretax return on assets | 0.6734% | 3,467 |
| Return on Equity (ROE) | 4.5353% | 3,749 |
| Retained earnings to average equity (ytd only) | 4.5353% | 2,765 |
| Net charge-offs to loans | -0.0254% | 4,013 |
| Credit loss provision to net charge-offs | -1,016.6667% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2991% | 1,824 |
| Assets per employee ($millions) | 7.1315% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 3,093 |
| Loan loss allowance to noncurrent loans | 581.8662% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 1,377 |
| Noncurrent loans to loans | 0.1978% | 2,830 |
| Net loans and leases to total assets | 76.5268% | 470 |
| Net loans and leases to deposits | 89.9424% | 514 |
| Net loans and leases to core deposits | 103.3787% | 418 |
| Total domestic deposits to total assets | 85.0842% | 3,526 |
| Equity capital to assets | 10.7632% | 1,461 |
| Core capital (leverage) ratio | 9.2642% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,038,000 | 2,238 |
| Average earning assets | $331,192,500 | 2,230 |
| Average equity | $39,953,500 | 2,055 |
| Average total loans | $283,217,500 | 1,775 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 786 |
| Cost of funding earning assets | 0.4304% | 1,330 |
| Net interest margin | 3.9187% | 821 |
| Noninterest income to average assets | 0.5706% | 2,276 |
| Noninterest expense to average assets | 2.9636% | 1,045 |
| Loan and lease loss provision to assets | 0.4124% | 160 |
| Net operating income to assets | 0.6310% | 3,804 |
| Return on assets (ROA) | 0.6338% | 3,849 |
| Pretax return on assets | 0.8153% | 3,694 |
| Return on Equity (ROE) | 5.1255% | 3,969 |
| Retained earnings to average equity (ytd only) | 5.1255% | 2,736 |
| Net charge-offs to loans | 0.0203% | 1,870 |
| Credit loss provision to net charge-offs | 2,612.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 77.5400% | 1,016 |
| Efficiency ratio | 66.9884% | 2,128 |
| Assets per employee ($millions) | 6.7448% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 3,311 |
| Loan loss allowance to noncurrent loans | 462.5931% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 1,293 |
| Noncurrent loans to loans | 0.2402% | 2,771 |
| Net loans and leases to total assets | 81.9111% | 185 |
| Net loans and leases to deposits | 98.1663% | 245 |
| Net loans and leases to core deposits | 115.2731% | 215 |
| Total domestic deposits to total assets | 83.4412% | 3,712 |
| Equity capital to assets | 11.8589% | 1,312 |
| Core capital (leverage) ratio | 9.8524% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,674,800 | 2,352 |
| Average earning assets | $292,313,800 | 2,370 |
| Average equity | $39,157,000 | 2,112 |
| Average total loans | $246,402,400 | 1,952 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 822 |
| Cost of funding earning assets | 0.4413% | 1,411 |
| Net interest margin | 3.9511% | 864 |
| Noninterest income to average assets | 0.5996% | 2,217 |
| Noninterest expense to average assets | 3.0224% | 930 |
| Loan and lease loss provision to assets | 0.3797% | 178 |
| Net operating income to assets | 0.6363% | 3,936 |
| Return on assets (ROA) | 0.6390% | 3,988 |
| Pretax return on assets | 0.8414% | 3,815 |
| Return on Equity (ROE) | 5.1110% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.1110% | 3,176 |
| Net charge-offs to loans | 0.0325% | 1,415 |
| Credit loss provision to net charge-offs | 1,529.3103% | 394 |
| Earnings coverage of net charge-offs (x) | 49.0517% | 1,254 |
| Efficiency ratio | 67.3766% | 1,918 |
| Assets per employee ($millions) | 6.3594% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,751 |
| Loan loss allowance to noncurrent loans | 677.7215% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 1,609 |
| Noncurrent loans to loans | 0.1514% | 3,360 |
| Net loans and leases to total assets | 82.8538% | 148 |
| Net loans and leases to deposits | 100.8941% | 205 |
| Net loans and leases to core deposits | 122.2924% | 163 |
| Total domestic deposits to total assets | 82.1196% | 3,908 |
| Equity capital to assets | 12.7307% | 1,080 |
| Core capital (leverage) ratio | 9.9587% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9679% | 1,984 |
| Memoranda: | ||
| Average total assets | $311,533,500 | 2,406 |
| Average earning assets | $287,034,000 | 2,415 |
| Average equity | $38,948,000 | 2,142 |
| Average total loans | $238,167,750 | 2,037 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 1,244 |
| Cost of funding earning assets | 0.4526% | 1,502 |
| Net interest margin | 3.7091% | 1,331 |
| Noninterest income to average assets | 0.6671% | 1,944 |
| Noninterest expense to average assets | 2.9746% | 1,028 |
| Loan and lease loss provision to assets | 0.3005% | 282 |
| Net operating income to assets | 0.6250% | 3,930 |
| Return on assets (ROA) | 0.6286% | 3,979 |
| Pretax return on assets | 0.8115% | 3,840 |
| Return on Equity (ROE) | 5.0585% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.0585% | 3,161 |
| Net charge-offs to loans | 0.0555% | 1,069 |
| Credit loss provision to net charge-offs | 731.2500% | 566 |
| Earnings coverage of net charge-offs (x) | 26.9531% | 1,373 |
| Efficiency ratio | 68.6851% | 1,798 |
| Assets per employee ($millions) | 6.5017% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 3,992 |
| Loan loss allowance to noncurrent loans | 565.5779% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 1,802 |
| Noncurrent loans to loans | 0.1681% | 3,375 |
| Net loans and leases to total assets | 73.5936% | 803 |
| Net loans and leases to deposits | 89.0472% | 708 |
| Net loans and leases to core deposits | 107.4323% | 428 |
| Total domestic deposits to total assets | 82.6456% | 3,781 |
| Equity capital to assets | 12.3004% | 1,219 |
| Core capital (leverage) ratio | 9.8314% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7031% | 2,087 |
| Memoranda: | ||
| Average total assets | $311,508,333 | 2,401 |
| Average earning assets | $286,811,333 | 2,416 |
| Average equity | $38,707,333 | 2,145 |
| Average total loans | $230,604,667 | 2,095 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 1,188 |
| Cost of funding earning assets | 0.4612% | 1,645 |
| Net interest margin | 3.7476% | 1,236 |
| Noninterest income to average assets | 0.6325% | 2,085 |
| Noninterest expense to average assets | 3.0938% | 847 |
| Loan and lease loss provision to assets | 0.2870% | 338 |
| Net operating income to assets | 0.5271% | 4,122 |
| Return on assets (ROA) | 0.5312% | 4,152 |
| Pretax return on assets | 0.7182% | 3,981 |
| Return on Equity (ROE) | 4.2529% | 4,237 |
| Retained earnings to average equity (ytd only) | 4.2529% | 3,434 |
| Net charge-offs to loans | 0.0053% | 1,722 |
| Credit loss provision to net charge-offs | 7,366.6667% | 89 |
| Earnings coverage of net charge-offs (x) | 256.6667% | 337 |
| Efficiency ratio | 71.2246% | 1,579 |
| Assets per employee ($millions) | 6.7109% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,028 |
| Loan loss allowance to noncurrent loans | 213.8716% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 1,392 |
| Noncurrent loans to loans | 0.4426% | 2,529 |
| Net loans and leases to total assets | 68.5384% | 1,460 |
| Net loans and leases to deposits | 84.3269% | 1,116 |
| Net loans and leases to core deposits | 102.4565% | 618 |
| Total domestic deposits to total assets | 81.2771% | 4,018 |
| Equity capital to assets | 12.2482% | 1,175 |
| Core capital (leverage) ratio | 10.0186% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9295% | 1,917 |
| Memoranda: | ||
| Average total assets | $307,971,500 | 2,401 |
| Average earning assets | $284,446,500 | 2,419 |
| Average equity | $38,467,500 | 2,145 |
| Average total loans | $227,553,500 | 2,106 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1970% | 338 |
| Cost of funding earning assets | 0.6382% | 2,069 |
| Net interest margin | 4.5588% | 291 |
| Noninterest income to average assets | 0.5955% | 2,229 |
| Noninterest expense to average assets | 3.0387% | 1,349 |
| Loan and lease loss provision to assets | 0.5404% | 417 |
| Net operating income to assets | 0.9278% | 2,576 |
| Return on assets (ROA) | 0.9403% | 2,669 |
| Pretax return on assets | 1.2475% | 2,169 |
| Return on Equity (ROE) | 7.0300% | 3,197 |
| Retained earnings to average equity (ytd only) | 7.0300% | 1,386 |
| Net charge-offs to loans | 0.0847% | 1,615 |
| Credit loss provision to net charge-offs | 810.8696% | 891 |
| Earnings coverage of net charge-offs (x) | 26.5870% | 1,712 |
| Efficiency ratio | 57.6086% | 3,779 |
| Assets per employee ($millions) | 6.2611% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7802% | 4,461 |
| Loan loss allowance to noncurrent loans | 249.7297% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 1,987 |
| Noncurrent loans to loans | 0.3124% | 3,083 |
| Net loans and leases to total assets | 78.1997% | 587 |
| Net loans and leases to deposits | 99.8195% | 378 |
| Net loans and leases to core deposits | 118.2244% | 337 |
| Total domestic deposits to total assets | 78.3411% | 4,282 |
| Equity capital to assets | 12.7450% | 1,205 |
| Core capital (leverage) ratio | 10.0413% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7184% | 2,354 |
| Memoranda: | ||
| Average total assets | $276,068,000 | 2,426 |
| Average earning assets | $255,263,400 | 2,439 |
| Average equity | $36,927,400 | 2,138 |
| Average total loans | $217,290,600 | 2,122 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 635 |
| Cost of funding earning assets | 0.6682% | 2,212 |
| Net interest margin | 4.3009% | 581 |
| Noninterest income to average assets | 0.5744% | 2,276 |
| Noninterest expense to average assets | 2.9185% | 1,654 |
| Loan and lease loss provision to assets | 0.2400% | 1,689 |
| Net operating income to assets | 0.9810% | 2,405 |
| Return on assets (ROA) | 0.9982% | 2,476 |
| Pretax return on assets | 1.4180% | 1,672 |
| Return on Equity (ROE) | 7.3656% | 3,069 |
| Retained earnings to average equity (ytd only) | 7.3656% | 1,556 |
| Net charge-offs to loans | 0.0182% | 2,494 |
| Credit loss provision to net charge-offs | 1,675.8621% | 567 |
| Earnings coverage of net charge-offs (x) | 114.2414% | 723 |
| Efficiency ratio | 57.6339% | 3,718 |
| Assets per employee ($millions) | 6.3956% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4405% | 4,860 |
| Loan loss allowance to noncurrent loans | 49.8069% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 1,657 |
| Noncurrent loans to loans | 0.8844% | 1,694 |
| Net loans and leases to total assets | 79.2854% | 679 |
| Net loans and leases to deposits | 102.8203% | 425 |
| Net loans and leases to core deposits | 123.6822% | 344 |
| Total domestic deposits to total assets | 77.1107% | 4,310 |
| Equity capital to assets | 12.8308% | 1,255 |
| Core capital (leverage) ratio | 10.5607% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1525% | 2,562 |
| Memoranda: | ||
| Average total assets | $269,951,750 | 2,437 |
| Average earning assets | $249,834,500 | 2,451 |
| Average equity | $36,583,500 | 2,136 |
| Average total loans | $212,397,250 | 2,149 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1715% | 604 |
| Cost of funding earning assets | 0.6874% | 2,464 |
| Net interest margin | 4.4841% | 519 |
| Noninterest income to average assets | 0.5423% | 2,384 |
| Noninterest expense to average assets | 2.8724% | 1,908 |
| Loan and lease loss provision to assets | 0.3139% | 1,369 |
| Net operating income to assets | 1.0582% | 2,114 |
| Return on assets (ROA) | 1.0769% | 2,175 |
| Pretax return on assets | 1.5298% | 1,388 |
| Return on Equity (ROE) | 7.7911% | 2,832 |
| Retained earnings to average equity (ytd only) | 7.7911% | 1,374 |
| Net charge-offs to loans | 0.0127% | 2,515 |
| Credit loss provision to net charge-offs | 3,161.5385% | 344 |
| Earnings coverage of net charge-offs (x) | 183.3077% | 482 |
| Efficiency ratio | 54.0202% | 4,174 |
| Assets per employee ($millions) | 7.5920% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4475% | 4,879 |
| Loan loss allowance to noncurrent loans | 42.0251% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 1,641 |
| Noncurrent loans to loans | 1.0648% | 1,457 |
| Net loans and leases to total assets | 70.4802% | 1,955 |
| Net loans and leases to deposits | 92.4510% | 1,104 |
| Net loans and leases to core deposits | 116.6751% | 509 |
| Total domestic deposits to total assets | 76.2352% | 4,405 |
| Equity capital to assets | 12.5621% | 1,352 |
| Core capital (leverage) ratio | 10.0150% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9626% | 2,195 |
| Memoranda: | ||
| Average total assets | $261,869,667 | 2,468 |
| Average earning assets | $242,365,000 | 2,475 |
| Average equity | $36,195,333 | 2,144 |
| Average total loans | $205,100,333 | 2,179 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0051% | 955 |
| Cost of funding earning assets | 1.0938% | 1,065 |
| Net interest margin | 3.9113% | 1,636 |
| Noninterest income to average assets | 0.4984% | 2,556 |
| Noninterest expense to average assets | 2.6050% | 2,969 |
| Loan and lease loss provision to assets | 0.1226% | 2,166 |
| Net operating income to assets | 0.9928% | 2,196 |
| Return on assets (ROA) | 1.0328% | 2,165 |
| Pretax return on assets | 1.4447% | 1,446 |
| Return on Equity (ROE) | 7.0821% | 2,909 |
| Retained earnings to average equity (ytd only) | 7.0821% | 1,508 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2038% | 3,341 |
| Assets per employee ($millions) | 6.8693% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3066% | 4,989 |
| Loan loss allowance to noncurrent loans | 31.9647% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7780% | 1,741 |
| Noncurrent loans to loans | 0.9592% | 1,711 |
| Net loans and leases to total assets | 80.8602% | 582 |
| Net loans and leases to deposits | 98.4884% | 659 |
| Net loans and leases to core deposits | 130.8545% | 257 |
| Total domestic deposits to total assets | 82.1012% | 3,389 |
| Equity capital to assets | 14.5174% | 892 |
| Core capital (leverage) ratio | 11.7876% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0026% | 1,903 |
| Memoranda: | ||
| Average total assets | $244,760,000 | 2,525 |
| Average earning assets | $226,730,000 | 2,520 |
| Average equity | $35,695,500 | 2,163 |
| Average total loans | $202,839,500 | 2,164 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0014% | 5,168 |
| Cost of funding earning assets | 0.2063% | 4,951 |
| Net interest margin | 0.7951% | 5,165 |
| Noninterest income to average assets | 0.1017% | 4,922 |
| Noninterest expense to average assets | 0.4357% | 5,163 |
| Loan and lease loss provision to assets | 0.2543% | 711 |
| Net operating income to assets | 0.1159% | 4,917 |
| Return on assets (ROA) | 0.1159% | 4,935 |
| Pretax return on assets | 0.1507% | 4,918 |
| Return on Equity (ROE) | 1.0139% | 4,915 |
| Retained earnings to average equity (ytd only) | 1.0139% | 4,379 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8207% | 4,617 |
| Assets per employee ($millions) | 7.1242% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2633% | 5,064 |
| Loan loss allowance to noncurrent loans | 93.4256% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 3,487 |
| Noncurrent loans to loans | 0.2818% | 3,434 |
| Net loans and leases to total assets | 84.4508% | 285 |
| Net loans and leases to deposits | 102.9015% | 422 |
| Net loans and leases to core deposits | 126.0390% | 344 |
| Total domestic deposits to total assets | 82.0695% | 3,496 |
| Equity capital to assets | 14.6517% | 883 |
| Core capital (leverage) ratio | 12.6313% | 1,416 |
| Tier 1 risk-based capital ratio | 14.1087% | 3,210 |
| Total risk-based capital ratio | 14.3864% | 3,606 |
| Memoranda: | ||
| Average total assets | $212,311,000 | 2,736 |
| Average earning assets | $197,321,600 | 2,729 |
| Average equity | $24,262,400 | 2,770 |
| Average total loans | $175,516,800 | 2,367 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5436% | 547 |
| Cost of funding earning assets | 1.1708% | 1,113 |
| Net interest margin | 4.3728% | 1,005 |
| Noninterest income to average assets | 0.6633% | 1,936 |
| Noninterest expense to average assets | 2.5718% | 3,240 |
| Loan and lease loss provision to assets | 0.2343% | 717 |
| Net operating income to assets | 1.8303% | 575 |
| Return on assets (ROA) | 1.8291% | 607 |
| Pretax return on assets | 1.9254% | 816 |
| Return on Equity (ROE) | 17.4620% | 436 |
| Retained earnings to average equity (ytd only) | 15.9085% | 109 |
| Net charge-offs to loans | -0.0159% | 4,519 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3392% | 4,359 |
| Assets per employee ($millions) | 6.2859% | 1,400 |
| Cash dividends to net income (ytd only)* | 8.8969% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 2,424 |
| Loan loss allowance to noncurrent loans | 829.3173% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 2,643 |
| Noncurrent loans to loans | 0.1467% | 4,012 |
| Net loans and leases to total assets | 83.3443% | 413 |
| Net loans and leases to deposits | 97.2904% | 894 |
| Net loans and leases to core deposits | 115.1358% | 691 |
| Total domestic deposits to total assets | 85.6654% | 2,133 |
| Equity capital to assets | 11.4402% | 2,704 |
| Core capital (leverage) ratio | 9.5637% | 4,101 |
| Tier 1 risk-based capital ratio | 11.4506% | 4,690 |
| Total risk-based capital ratio | 12.6840% | 4,604 |
| Memoranda: | ||
| Average total assets | $204,832,750 | 2,822 |
| Average earning assets | $190,629,250 | 2,813 |
| Average equity | $21,455,500 | 3,027 |
| Average total loans | $168,121,000 | 2,452 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4813% | 586 |
| Cost of funding earning assets | 1.1382% | 1,172 |
| Net interest margin | 4.3431% | 1,060 |
| Noninterest income to average assets | 0.5688% | 2,294 |
| Noninterest expense to average assets | 2.5070% | 3,453 |
| Loan and lease loss provision to assets | 0.2329% | 690 |
| Net operating income to assets | 1.7800% | 623 |
| Return on assets (ROA) | 1.7781% | 643 |
| Pretax return on assets | 1.8713% | 887 |
| Return on Equity (ROE) | 17.5004% | 407 |
| Retained earnings to average equity (ytd only) | 15.1122% | 166 |
| Net charge-offs to loans | -0.0227% | 4,588 |
| Credit loss provision to net charge-offs | -1,263.1579% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3446% | 4,432 |
| Assets per employee ($millions) | 6.8326% | 1,078 |
| Cash dividends to net income (ytd only)* | 13.6463% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 2,826 |
| Loan loss allowance to noncurrent loans | 774.5020% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 2,724 |
| Noncurrent loans to loans | 0.1476% | 4,023 |
| Net loans and leases to total assets | 79.3416% | 995 |
| Net loans and leases to deposits | 90.9536% | 1,636 |
| Net loans and leases to core deposits | 105.9495% | 1,247 |
| Total domestic deposits to total assets | 87.2330% | 1,476 |
| Equity capital to assets | 10.3903% | 3,613 |
| Core capital (leverage) ratio | 8.8846% | 4,725 |
| Tier 1 risk-based capital ratio | 11.2085% | 4,825 |
| Total risk-based capital ratio | 12.4062% | 4,744 |
| Memoranda: | ||
| Average total assets | $206,060,330 | 2,819 |
| Average earning assets | $191,890,330 | 2,806 |
| Average equity | $20,936,670 | 3,061 |
| Average total loans | $167,590,670 | 2,466 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4322% | 584 |
| Cost of funding earning assets | 1.1021% | 1,177 |
| Net interest margin | 4.3301% | 1,044 |
| Noninterest income to average assets | 0.6437% | 1,841 |
| Noninterest expense to average assets | 2.5573% | 3,349 |
| Loan and lease loss provision to assets | 0.2362% | 639 |
| Net operating income to assets | 1.7854% | 599 |
| Return on assets (ROA) | 1.7816% | 621 |
| Pretax return on assets | 1.8761% | 836 |
| Return on Equity (ROE) | 17.7442% | 424 |
| Retained earnings to average equity (ytd only) | 12.8425% | 484 |
| Net charge-offs to loans | -0.0433% | 4,788 |
| Credit loss provision to net charge-offs | -666.6667% | 3,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7178% | 4,467 |
| Assets per employee ($millions) | 6.6404% | 1,177 |
| Cash dividends to net income (ytd only)* | 27.6243% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,299 |
| Loan loss allowance to noncurrent loans | 969.6809% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.4314% | 2,861 |
| Noncurrent loans to loans | 0.1103% | 4,242 |
| Net loans and leases to total assets | 81.8982% | 601 |
| Net loans and leases to deposits | 94.2017% | 1,150 |
| Net loans and leases to core deposits | 108.5346% | 1,018 |
| Total domestic deposits to total assets | 86.9392% | 1,845 |
| Equity capital to assets | 10.1097% | 3,715 |
| Core capital (leverage) ratio | 8.6585% | 4,906 |
| Tier 1 risk-based capital ratio | 10.3243% | 5,218 |
| Total risk-based capital ratio | 11.4143% | 5,202 |
| Memoranda: | ||
| Average total assets | $203,184,500 | 2,869 |
| Average earning assets | $189,094,500 | 2,862 |
| Average equity | $20,401,000 | 3,119 |
| Average total loans | $166,386,500 | 2,503 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1272% | 802 |
| Cost of funding earning assets | 0.8237% | 1,422 |
| Net interest margin | 4.3035% | 1,146 |
| Noninterest income to average assets | 0.5628% | 2,478 |
| Noninterest expense to average assets | 2.7989% | 2,696 |
| Loan and lease loss provision to assets | 0.3040% | 532 |
| Net operating income to assets | 1.3742% | 1,518 |
| Return on assets (ROA) | 1.3679% | 1,530 |
| Pretax return on assets | 1.4398% | 1,990 |
| Return on Equity (ROE) | 14.4292% | 955 |
| Retained earnings to average equity (ytd only) | 11.6668% | 347 |
| Net charge-offs to loans | 0.4066% | 453 |
| Credit loss provision to net charge-offs | 94.2675% | 2,660 |
| Earnings coverage of net charge-offs (x) | 5.4283% | 3,195 |
| Efficiency ratio | 61.5237% | 3,623 |
| Assets per employee ($millions) | 6.6839% | 1,125 |
| Cash dividends to net income (ytd only)* | 19.1441% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,454 |
| Loan loss allowance to noncurrent loans | 327.8210% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 2,223 |
| Noncurrent loans to loans | 0.3166% | 3,420 |
| Net loans and leases to total assets | 80.1309% | 923 |
| Net loans and leases to deposits | 90.0489% | 1,796 |
| Net loans and leases to core deposits | 101.4215% | 1,614 |
| Total domestic deposits to total assets | 88.9860% | 863 |
| Equity capital to assets | 9.9697% | 3,710 |
| Core capital (leverage) ratio | 8.4695% | 5,037 |
| Tier 1 risk-based capital ratio | 10.8294% | 5,054 |
| Total risk-based capital ratio | 11.9283% | 5,014 |
| Memoranda: | ||
| Average total assets | $194,754,800 | 2,918 |
| Average earning assets | $180,410,000 | 2,918 |
| Average equity | $18,462,600 | 3,244 |
| Average total loans | $154,452,400 | 2,591 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0287% | 886 |
| Cost of funding earning assets | 0.7668% | 1,496 |
| Net interest margin | 4.2619% | 1,204 |
| Noninterest income to average assets | 0.5821% | 2,405 |
| Noninterest expense to average assets | 2.8423% | 2,494 |
| Loan and lease loss provision to assets | 0.2324% | 695 |
| Net operating income to assets | 1.3721% | 1,586 |
| Return on assets (ROA) | 1.3635% | 1,612 |
| Pretax return on assets | 1.4353% | 2,105 |
| Return on Equity (ROE) | 14.5789% | 962 |
| Retained earnings to average equity (ytd only) | 10.8180% | 692 |
| Net charge-offs to loans | 0.0157% | 2,867 |
| Credit loss provision to net charge-offs | 1,872.2222% | 227 |
| Earnings coverage of net charge-offs (x) | 135.0521% | 598 |
| Efficiency ratio | 62.8968% | 3,353 |
| Assets per employee ($millions) | 5.7589% | 1,679 |
| Cash dividends to net income (ytd only)* | 25.7966% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,173 |
| Loan loss allowance to noncurrent loans | 113.8393% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.9152% | 1,613 |
| Noncurrent loans to loans | 1.1275% | 1,507 |
| Net loans and leases to total assets | 80.1264% | 1,001 |
| Net loans and leases to deposits | 91.2469% | 1,726 |
| Net loans and leases to core deposits | 103.7591% | 1,467 |
| Total domestic deposits to total assets | 87.8127% | 1,330 |
| Equity capital to assets | 9.5305% | 4,045 |
| Core capital (leverage) ratio | 8.1997% | 5,251 |
| Tier 1 risk-based capital ratio | 10.3070% | 5,292 |
| Total risk-based capital ratio | 11.5578% | 5,217 |
| Memoranda: | ||
| Average total assets | $193,314,250 | 2,955 |
| Average earning assets | $178,571,250 | 2,959 |
| Average equity | $18,080,500 | 3,308 |
| Average total loans | $152,475,250 | 2,628 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 886 |
| Cost of funding earning assets | 0.6985% | 1,630 |
| Net interest margin | 4.2646% | 1,122 |
| Noninterest income to average assets | 0.5767% | 2,444 |
| Noninterest expense to average assets | 2.8387% | 2,544 |
| Loan and lease loss provision to assets | 0.2182% | 751 |
| Net operating income to assets | 1.3740% | 1,529 |
| Return on assets (ROA) | 1.3611% | 1,567 |
| Pretax return on assets | 1.4328% | 2,045 |
| Return on Equity (ROE) | 14.6475% | 929 |
| Retained earnings to average equity (ytd only) | 11.7963% | 553 |
| Net charge-offs to loans | -0.0027% | 3,990 |
| Credit loss provision to net charge-offs | -10,500.0000% | 4,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0365% | 3,468 |
| Assets per employee ($millions) | 5.8067% | 1,634 |
| Cash dividends to net income (ytd only)* | 19.4656% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,404 |
| Loan loss allowance to noncurrent loans | 109.3945% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 1,635 |
| Noncurrent loans to loans | 1.1470% | 1,526 |
| Net loans and leases to total assets | 79.3874% | 1,110 |
| Net loans and leases to deposits | 90.4498% | 1,787 |
| Net loans and leases to core deposits | 100.2901% | 1,713 |
| Total domestic deposits to total assets | 87.7696% | 1,491 |
| Equity capital to assets | 9.5626% | 4,038 |
| Core capital (leverage) ratio | 7.9775% | 5,351 |
| Tier 1 risk-based capital ratio | 10.2911% | 5,343 |
| Total risk-based capital ratio | 11.5420% | 5,263 |
| Memoranda: | ||
| Average total assets | $192,485,000 | 2,982 |
| Average earning assets | $177,226,000 | 2,991 |
| Average equity | $17,887,000 | 3,346 |
| Average total loans | $150,324,000 | 2,660 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7386% | 1,215 |
| Cost of funding earning assets | 0.6641% | 1,632 |
| Net interest margin | 4.0745% | 1,503 |
| Noninterest income to average assets | 0.4209% | 3,310 |
| Noninterest expense to average assets | 2.7349% | 2,929 |
| Loan and lease loss provision to assets | 0.2177% | 727 |
| Net operating income to assets | 1.1715% | 2,125 |
| Return on assets (ROA) | 1.1715% | 2,137 |
| Pretax return on assets | 1.2337% | 2,625 |
| Return on Equity (ROE) | 12.7911% | 1,320 |
| Retained earnings to average equity (ytd only) | 12.7911% | 551 |
| Net charge-offs to loans | -0.0054% | 4,037 |
| Credit loss provision to net charge-offs | -5,250.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3294% | 3,274 |
| Assets per employee ($millions) | 6.1543% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,661 |
| Loan loss allowance to noncurrent loans | 126.5052% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7337% | 2,112 |
| Noncurrent loans to loans | 0.9677% | 1,881 |
| Net loans and leases to total assets | 74.8920% | 1,727 |
| Net loans and leases to deposits | 84.7167% | 2,318 |
| Net loans and leases to core deposits | 91.2731% | 2,353 |
| Total domestic deposits to total assets | 88.4029% | 1,407 |
| Equity capital to assets | 9.0780% | 4,482 |
| Core capital (leverage) ratio | 7.8745% | 5,423 |
| Tier 1 risk-based capital ratio | 10.0843% | 5,483 |
| Total risk-based capital ratio | 11.3340% | 5,412 |
| Memoranda: | ||
| Average total assets | $192,917,000 | 3,007 |
| Average earning assets | $178,279,500 | 3,012 |
| Average equity | $17,668,500 | 3,401 |
| Average total loans | $148,458,000 | 2,708 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9904% | 658 |
| Cost of funding earning assets | 0.6278% | 1,425 |
| Net interest margin | 4.3626% | 836 |
| Noninterest income to average assets | 0.6528% | 2,185 |
| Noninterest expense to average assets | 2.9001% | 2,455 |
| Loan and lease loss provision to assets | 0.2504% | 745 |
| Net operating income to assets | 1.3822% | 1,056 |
| Return on assets (ROA) | 1.3833% | 1,071 |
| Pretax return on assets | 1.4558% | 1,798 |
| Return on Equity (ROE) | 14.3048% | 718 |
| Retained earnings to average equity (ytd only) | 8.4174% | 640 |
| Net charge-offs to loans | 0.2201% | 1,179 |
| Credit loss provision to net charge-offs | 144.5183% | 1,838 |
| Earnings coverage of net charge-offs (x) | 9.8405% | 2,742 |
| Efficiency ratio | 62.8875% | 3,796 |
| Assets per employee ($millions) | 5.9030% | 1,585 |
| Cash dividends to net income (ytd only)* | 41.1569% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 2,977 |
| Loan loss allowance to noncurrent loans | 113.7475% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 1,944 |
| Noncurrent loans to loans | 1.0251% | 1,734 |
| Net loans and leases to total assets | 77.2257% | 1,389 |
| Net loans and leases to deposits | 87.6264% | 2,059 |
| Net loans and leases to core deposits | 94.2547% | 2,169 |
| Total domestic deposits to total assets | 88.1306% | 1,418 |
| Equity capital to assets | 9.2426% | 4,486 |
| Core capital (leverage) ratio | 7.6384% | 5,534 |
| Tier 1 risk-based capital ratio | 9.9450% | 5,546 |
| Total risk-based capital ratio | 11.1717% | 5,507 |
| Memoranda: | ||
| Average total assets | $173,717,200 | 3,199 |
| Average earning assets | $157,381,600 | 3,230 |
| Average equity | $16,798,600 | 3,501 |
| Average total loans | $136,774,600 | 2,829 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9728% | 647 |
| Cost of funding earning assets | 0.6079% | 1,477 |
| Net interest margin | 4.3649% | 792 |
| Noninterest income to average assets | 0.7219% | 1,897 |
| Noninterest expense to average assets | 3.0241% | 2,045 |
| Loan and lease loss provision to assets | 0.1962% | 971 |
| Net operating income to assets | 1.3685% | 1,158 |
| Return on assets (ROA) | 1.3700% | 1,173 |
| Pretax return on assets | 1.4414% | 1,968 |
| Return on Equity (ROE) | 13.9955% | 836 |
| Retained earnings to average equity (ytd only) | 8.2402% | 1,114 |
| Net charge-offs to loans | 0.2993% | 705 |
| Credit loss provision to net charge-offs | 83.0565% | 2,541 |
| Earnings coverage of net charge-offs (x) | 6.9270% | 2,930 |
| Efficiency ratio | 64.7752% | 3,411 |
| Assets per employee ($millions) | 5.7785% | 1,668 |
| Cash dividends to net income (ytd only)* | 41.1226% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,543 |
| Loan loss allowance to noncurrent loans | 21,942.8571% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 5,249 |
| Noncurrent loans to loans | 0.0050% | 5,126 |
| Net loans and leases to total assets | 77.7989% | 1,299 |
| Net loans and leases to deposits | 88.7862% | 1,955 |
| Net loans and leases to core deposits | 96.2446% | 2,044 |
| Total domestic deposits to total assets | 87.6250% | 1,565 |
| Equity capital to assets | 9.6095% | 4,335 |
| Core capital (leverage) ratio | 7.9825% | 5,517 |
| Tier 1 risk-based capital ratio | 10.0271% | 5,592 |
| Total risk-based capital ratio | 11.1625% | 5,584 |
| Memoranda: | ||
| Average total assets | $169,922,250 | 3,280 |
| Average earning assets | $153,310,250 | 3,309 |
| Average equity | $16,633,500 | 3,553 |
| Average total loans | $134,068,750 | 2,879 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 655 |
| Cost of funding earning assets | 0.5801% | 1,574 |
| Net interest margin | 4.3477% | 767 |
| Noninterest income to average assets | 0.7204% | 1,906 |
| Noninterest expense to average assets | 3.0518% | 1,970 |
| Loan and lease loss provision to assets | 0.1798% | 1,054 |
| Net operating income to assets | 1.3270% | 1,225 |
| Return on assets (ROA) | 1.3293% | 1,241 |
| Pretax return on assets | 1.3989% | 2,027 |
| Return on Equity (ROE) | 13.4915% | 925 |
| Retained earnings to average equity (ytd only) | 7.7372% | 1,266 |
| Net charge-offs to loans | 0.4522% | 444 |
| Credit loss provision to net charge-offs | 50.3356% | 2,556 |
| Earnings coverage of net charge-offs (x) | 4.4128% | 2,933 |
| Efficiency ratio | 65.7602% | 3,392 |
| Assets per employee ($millions) | 5.6813% | 1,719 |
| Cash dividends to net income (ytd only)* | 42.6510% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,898 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 5,254 |
| Noncurrent loans to loans | 0.0130% | 5,122 |
| Net loans and leases to total assets | 80.3367% | 898 |
| Net loans and leases to deposits | 92.0894% | 1,480 |
| Net loans and leases to core deposits | 99.6434% | 1,673 |
| Total domestic deposits to total assets | 87.2377% | 1,840 |
| Equity capital to assets | 9.8727% | 4,055 |
| Core capital (leverage) ratio | 7.9307% | 5,560 |
| Tier 1 risk-based capital ratio | 10.2043% | 5,578 |
| Total risk-based capital ratio | 11.3197% | 5,558 |
| Memoranda: | ||
| Average total assets | $166,851,330 | 3,321 |
| Average earning assets | $149,965,000 | 3,370 |
| Average equity | $16,440,000 | 3,585 |
| Average total loans | $131,791,330 | 2,916 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7182% | 910 |
| Cost of funding earning assets | 0.5682% | 1,598 |
| Net interest margin | 4.1500% | 1,096 |
| Noninterest income to average assets | 0.6446% | 2,205 |
| Noninterest expense to average assets | 3.1238% | 1,805 |
| Loan and lease loss provision to assets | 0.1818% | 949 |
| Net operating income to assets | 1.0178% | 2,233 |
| Return on assets (ROA) | 1.0178% | 2,285 |
| Pretax return on assets | 1.0736% | 3,078 |
| Return on Equity (ROE) | 10.3407% | 1,807 |
| Retained earnings to average equity (ytd only) | 6.1059% | 2,280 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9463% | 2,749 |
| Assets per employee ($millions) | 5.3026% | 2,073 |
| Cash dividends to net income (ytd only)* | 40.9524% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,550 |
| Loan loss allowance to noncurrent loans | 432.8125% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 4,287 |
| Noncurrent loans to loans | 0.2998% | 4,040 |
| Net loans and leases to total assets | 76.9006% | 1,274 |
| Net loans and leases to deposits | 87.7074% | 1,837 |
| Net loans and leases to core deposits | 93.7509% | 2,004 |
| Total domestic deposits to total assets | 87.6786% | 1,900 |
| Equity capital to assets | 9.9671% | 3,795 |
| Core capital (leverage) ratio | 8.0120% | 5,557 |
| Tier 1 risk-based capital ratio | 10.8918% | 5,368 |
| Total risk-based capital ratio | 12.1433% | 5,289 |
| Memoranda: | ||
| Average total assets | $165,057,500 | 3,368 |
| Average earning assets | $148,531,500 | 3,418 |
| Average equity | $16,246,500 | 3,631 |
| Average total loans | $128,504,500 | 2,985 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8777% | 770 |
| Cost of funding earning assets | 0.5896% | 1,413 |
| Net interest margin | 4.2882% | 948 |
| Noninterest income to average assets | 1.1338% | 885 |
| Noninterest expense to average assets | 3.3386% | 1,489 |
| Loan and lease loss provision to assets | 0.1912% | 1,228 |
| Net operating income to assets | 1.3536% | 1,090 |
| Return on assets (ROA) | 1.3530% | 1,146 |
| Pretax return on assets | 1.4241% | 1,845 |
| Return on Equity (ROE) | 13.6616% | 830 |
| Retained earnings to average equity (ytd only) | 8.1841% | 793 |
| Net charge-offs to loans | 0.1359% | 1,885 |
| Credit loss provision to net charge-offs | 182.4242% | 1,541 |
| Earnings coverage of net charge-offs (x) | 15.4182% | 2,200 |
| Efficiency ratio | 66.2564% | 3,553 |
| Assets per employee ($millions) | 5.3463% | 2,005 |
| Cash dividends to net income (ytd only)* | 40.0939% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,931 |
| Loan loss allowance to noncurrent loans | 177.7156% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 3,123 |
| Noncurrent loans to loans | 0.6926% | 2,806 |
| Net loans and leases to total assets | 76.8400% | 1,390 |
| Net loans and leases to deposits | 87.5685% | 1,980 |
| Net loans and leases to core deposits | 93.5702% | 2,148 |
| Total domestic deposits to total assets | 87.7484% | 1,768 |
| Equity capital to assets | 9.7198% | 4,041 |
| Core capital (leverage) ratio | 7.7545% | 5,696 |
| Tier 1 risk-based capital ratio | 10.2095% | 5,682 |
| Total risk-based capital ratio | 11.4599% | 5,632 |
| Memoranda: | ||
| Average total assets | $157,432,000 | 3,426 |
| Average earning assets | $140,270,000 | 3,492 |
| Average equity | $15,591,200 | 3,745 |
| Average total loans | $121,428,800 | 3,048 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 712 |
| Cost of funding earning assets | 0.5787% | 1,497 |
| Net interest margin | 4.3294% | 877 |
| Noninterest income to average assets | 1.0307% | 1,075 |
| Noninterest expense to average assets | 3.3685% | 1,417 |
| Loan and lease loss provision to assets | 0.1776% | 1,256 |
| Net operating income to assets | 1.2641% | 1,398 |
| Return on assets (ROA) | 1.2633% | 1,500 |
| Pretax return on assets | 1.3294% | 2,313 |
| Return on Equity (ROE) | 12.6934% | 1,126 |
| Retained earnings to average equity (ytd only) | 7.1745% | 1,541 |
| Net charge-offs to loans | 0.0156% | 3,417 |
| Credit loss provision to net charge-offs | 1,478.5714% | 312 |
| Earnings coverage of net charge-offs (x) | 125.4746% | 553 |
| Efficiency ratio | 67.9162% | 3,237 |
| Assets per employee ($millions) | 5.0794% | 2,280 |
| Cash dividends to net income (ytd only)* | 43.4781% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 2,325 |
| Loan loss allowance to noncurrent loans | 84.4810% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.1972% | 1,665 |
| Noncurrent loans to loans | 1.6257% | 1,319 |
| Net loans and leases to total assets | 72.6320% | 2,082 |
| Net loans and leases to deposits | 82.8469% | 2,629 |
| Net loans and leases to core deposits | 88.5661% | 2,707 |
| Total domestic deposits to total assets | 87.6701% | 1,577 |
| Equity capital to assets | 9.7638% | 4,406 |
| Core capital (leverage) ratio | 7.9471% | 5,707 |
| Tier 1 risk-based capital ratio | 10.4876% | 5,625 |
| Total risk-based capital ratio | 11.7390% | 5,547 |
| Memoranda: | ||
| Average total assets | $155,356,500 | 3,460 |
| Average earning assets | $137,998,000 | 3,542 |
| Average equity | $15,461,750 | 3,786 |
| Average total loans | $119,551,750 | 3,086 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 652 |
| Cost of funding earning assets | 0.5584% | 1,636 |
| Net interest margin | 4.3851% | 786 |
| Noninterest income to average assets | 0.9296% | 1,293 |
| Noninterest expense to average assets | 3.2570% | 1,675 |
| Loan and lease loss provision to assets | 0.1804% | 1,210 |
| Net operating income to assets | 1.3337% | 1,201 |
| Return on assets (ROA) | 1.3337% | 1,282 |
| Pretax return on assets | 1.4043% | 2,009 |
| Return on Equity (ROE) | 13.3110% | 956 |
| Retained earnings to average equity (ytd only) | 7.7387% | 1,273 |
| Net charge-offs to loans | 0.0536% | 2,436 |
| Credit loss provision to net charge-offs | 431.2500% | 736 |
| Earnings coverage of net charge-offs (x) | 37.8750% | 1,193 |
| Efficiency ratio | 66.0816% | 3,675 |
| Assets per employee ($millions) | 4.7127% | 2,691 |
| Cash dividends to net income (ytd only)* | 41.8627% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 2,912 |
| Loan loss allowance to noncurrent loans | 147.0255% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.8256% | 2,529 |
| Noncurrent loans to loans | 0.8686% | 2,573 |
| Net loans and leases to total assets | 77.3962% | 1,273 |
| Net loans and leases to deposits | 88.7144% | 1,896 |
| Net loans and leases to core deposits | 94.8936% | 2,073 |
| Total domestic deposits to total assets | 87.2420% | 1,785 |
| Equity capital to assets | 10.0792% | 4,125 |
| Core capital (leverage) ratio | 7.7861% | 5,822 |
| Tier 1 risk-based capital ratio | 10.2217% | 5,783 |
| Total risk-based capital ratio | 11.4727% | 5,711 |
| Memoranda: | ||
| Average total assets | $152,962,000 | 3,512 |
| Average earning assets | $136,463,330 | 3,588 |
| Average equity | $15,325,670 | 3,826 |
| Average total loans | $119,502,330 | 3,081 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 923 |
| Cost of funding earning assets | 0.5161% | 1,978 |
| Net interest margin | 4.2445% | 1,008 |
| Noninterest income to average assets | 0.6514% | 2,261 |
| Noninterest expense to average assets | 3.2251% | 1,774 |
| Loan and lease loss provision to assets | 0.1820% | 1,106 |
| Net operating income to assets | 0.9573% | 2,476 |
| Return on assets (ROA) | 0.9573% | 2,596 |
| Pretax return on assets | 1.0179% | 3,411 |
| Return on Equity (ROE) | 9.5835% | 2,164 |
| Retained earnings to average equity (ytd only) | 9.5835% | 957 |
| Net charge-offs to loans | 0.6425% | 341 |
| Credit loss provision to net charge-offs | 36.3158% | 2,171 |
| Earnings coverage of net charge-offs (x) | 2.3947% | 2,686 |
| Efficiency ratio | 71.5733% | 2,859 |
| Assets per employee ($millions) | 4.8568% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 4,118 |
| Loan loss allowance to noncurrent loans | 199.6997% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 3,302 |
| Noncurrent loans to loans | 0.5449% | 3,553 |
| Net loans and leases to total assets | 77.7856% | 1,127 |
| Net loans and leases to deposits | 88.9154% | 1,714 |
| Net loans and leases to core deposits | 95.0790% | 1,881 |
| Total domestic deposits to total assets | 87.4827% | 1,937 |
| Equity capital to assets | 9.8902% | 4,224 |
| Core capital (leverage) ratio | 8.0254% | 5,760 |
| Tier 1 risk-based capital ratio | 10.1579% | 5,873 |
| Total risk-based capital ratio | 11.3238% | 5,830 |
| Memoranda: | ||
| Average total assets | $151,684,000 | 3,561 |
| Average earning assets | $134,855,500 | 3,635 |
| Average equity | $15,151,000 | 3,854 |
| Average total loans | $118,292,500 | 3,110 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 647 |
| Cost of funding earning assets | 0.5173% | 2,015 |
| Net interest margin | 4.4665% | 698 |
| Noninterest income to average assets | 0.3854% | 4,155 |
| Noninterest expense to average assets | 2.8003% | 3,227 |
| Loan and lease loss provision to assets | 0.3245% | 501 |
| Net operating income to assets | 1.1425% | 1,754 |
| Return on assets (ROA) | 1.1425% | 1,826 |
| Pretax return on assets | 1.2027% | 2,652 |
| Return on Equity (ROE) | 10.9154% | 1,642 |
| Retained earnings to average equity (ytd only) | 7.5728% | 1,074 |
| Net charge-offs to loans | 0.2469% | 1,219 |
| Credit loss provision to net charge-offs | 169.3182% | 1,594 |
| Earnings coverage of net charge-offs (x) | 7.9697% | 3,016 |
| Efficiency ratio | 63.2338% | 4,404 |
| Assets per employee ($millions) | 4.7726% | 2,642 |
| Cash dividends to net income (ytd only)* | 30.6226% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 3,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 4,940 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 76.3172% | 1,356 |
| Net loans and leases to deposits | 87.5640% | 1,928 |
| Net loans and leases to core deposits | 93.6446% | 2,080 |
| Total domestic deposits to total assets | 87.1559% | 2,047 |
| Equity capital to assets | 10.0919% | 3,868 |
| Core capital (leverage) ratio | 7.7190% | 5,936 |
| Tier 1 risk-based capital ratio | 10.4361% | 5,801 |
| Total risk-based capital ratio | 11.6872% | 5,724 |
| Memoranda: | ||
| Average total assets | $137,769,000 | 3,756 |
| Average earning assets | $121,593,600 | 3,849 |
| Average equity | $14,420,000 | 3,919 |
| Average total loans | $106,932,000 | 3,262 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0036% | 617 |
| Cost of funding earning assets | 0.5160% | 2,074 |
| Net interest margin | 4.4876% | 671 |
| Noninterest income to average assets | 0.3431% | 4,483 |
| Noninterest expense to average assets | 2.7549% | 3,361 |
| Loan and lease loss provision to assets | 0.3934% | 312 |
| Net operating income to assets | 1.0905% | 2,057 |
| Return on assets (ROA) | 1.0905% | 2,134 |
| Pretax return on assets | 1.1477% | 3,027 |
| Return on Equity (ROE) | 10.3177% | 1,965 |
| Retained earnings to average equity (ytd only) | 7.3231% | 1,537 |
| Net charge-offs to loans | 0.1079% | 2,052 |
| Credit loss provision to net charge-offs | 469.4118% | 681 |
| Earnings coverage of net charge-offs (x) | 18.3883% | 2,000 |
| Efficiency ratio | 62.6119% | 4,475 |
| Assets per employee ($millions) | 5.3200% | 1,938 |
| Cash dividends to net income (ytd only)* | 29.0236% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 2,393 |
| Loan loss allowance to noncurrent loans | 346.9298% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 3,864 |
| Noncurrent loans to loans | 0.4162% | 4,114 |
| Net loans and leases to total assets | 75.1796% | 1,511 |
| Net loans and leases to deposits | 86.5608% | 2,086 |
| Net loans and leases to core deposits | 93.5804% | 2,117 |
| Total domestic deposits to total assets | 86.8519% | 2,117 |
| Equity capital to assets | 10.2242% | 3,900 |
| Core capital (leverage) ratio | 8.0459% | 5,875 |
| Tier 1 risk-based capital ratio | 10.4047% | 5,920 |
| Total risk-based capital ratio | 11.6577% | 5,854 |
| Memoranda: | ||
| Average total assets | $135,223,500 | 3,842 |
| Average earning assets | $119,110,250 | 3,935 |
| Average equity | $14,292,250 | 3,979 |
| Average total loans | $105,074,250 | 3,323 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9716% | 622 |
| Cost of funding earning assets | 0.5140% | 2,124 |
| Net interest margin | 4.4577% | 683 |
| Noninterest income to average assets | 0.3595% | 4,372 |
| Noninterest expense to average assets | 2.7383% | 3,457 |
| Loan and lease loss provision to assets | 0.5301% | 183 |
| Net operating income to assets | 0.9697% | 2,539 |
| Return on assets (ROA) | 0.9697% | 2,648 |
| Pretax return on assets | 1.0210% | 3,493 |
| Return on Equity (ROE) | 9.0672% | 2,500 |
| Retained earnings to average equity (ytd only) | 6.7933% | 1,795 |
| Net charge-offs to loans | 0.0077% | 3,623 |
| Credit loss provision to net charge-offs | 8,775.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 256.7500% | 267 |
| Efficiency ratio | 62.2887% | 4,636 |
| Assets per employee ($millions) | 5.4871% | 1,753 |
| Cash dividends to net income (ytd only)* | 25.0779% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 2,331 |
| Loan loss allowance to noncurrent loans | 202.8894% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 3,670 |
| Noncurrent loans to loans | 0.7351% | 3,274 |
| Net loans and leases to total assets | 77.7601% | 1,101 |
| Net loans and leases to deposits | 89.8507% | 1,613 |
| Net loans and leases to core deposits | 97.3009% | 1,701 |
| Total domestic deposits to total assets | 86.5437% | 2,405 |
| Equity capital to assets | 10.4485% | 3,502 |
| Core capital (leverage) ratio | 7.9112% | 5,970 |
| Tier 1 risk-based capital ratio | 9.9724% | 6,098 |
| Total risk-based capital ratio | 11.2257% | 6,052 |
| Memoranda: | ||
| Average total assets | $132,418,000 | 3,916 |
| Average earning assets | $116,742,000 | 4,018 |
| Average equity | $14,161,000 | 4,019 |
| Average total loans | $103,575,670 | 3,370 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9337% | 647 |
| Cost of funding earning assets | 0.5140% | 2,164 |
| Net interest margin | 4.4197% | 701 |
| Noninterest income to average assets | 0.3384% | 4,488 |
| Noninterest expense to average assets | 2.7069% | 3,563 |
| Loan and lease loss provision to assets | 0.1476% | 1,373 |
| Net operating income to assets | 1.3042% | 1,261 |
| Return on assets (ROA) | 1.3042% | 1,348 |
| Pretax return on assets | 1.3719% | 1,991 |
| Return on Equity (ROE) | 12.0497% | 1,333 |
| Retained earnings to average equity (ytd only) | 12.0497% | 564 |
| Net charge-offs to loans | 0.0158% | 2,852 |
| Credit loss provision to net charge-offs | 1,200.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 123.5000% | 415 |
| Efficiency ratio | 62.4454% | 4,717 |
| Assets per employee ($millions) | 5.2922% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 3,612 |
| Loan loss allowance to noncurrent loans | 275.6303% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 4,568 |
| Noncurrent loans to loans | 0.4584% | 4,209 |
| Net loans and leases to total assets | 77.4952% | 994 |
| Net loans and leases to deposits | 89.2753% | 1,465 |
| Net loans and leases to core deposits | 96.6972% | 1,574 |
| Total domestic deposits to total assets | 86.8047% | 2,486 |
| Equity capital to assets | 10.8310% | 3,165 |
| Core capital (leverage) ratio | 8.2506% | 5,775 |
| Tier 1 risk-based capital ratio | 10.2124% | 6,109 |
| Total risk-based capital ratio | 11.4622% | 6,053 |
| Memoranda: | ||
| Average total assets | $130,038,500 | 3,989 |
| Average earning assets | $114,396,000 | 4,091 |
| Average equity | $14,075,000 | 4,060 |
| Average total loans | $101,221,500 | 3,430 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1045% | 625 |
| Cost of funding earning assets | 0.5848% | 1,906 |
| Net interest margin | 4.5197% | 719 |
| Noninterest income to average assets | 0.6061% | 2,820 |
| Noninterest expense to average assets | 2.8661% | 3,251 |
| Loan and lease loss provision to assets | 0.1946% | 1,314 |
| Net operating income to assets | 1.4273% | 1,026 |
| Return on assets (ROA) | 1.4273% | 1,055 |
| Pretax return on assets | 1.4930% | 1,568 |
| Return on Equity (ROE) | 13.5692% | 1,023 |
| Retained earnings to average equity (ytd only) | 13.5692% | 201 |
| Net charge-offs to loans | 0.0128% | 4,641 |
| Credit loss provision to net charge-offs | 1,975.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 171.2500% | 311 |
| Efficiency ratio | 61.3526% | 5,013 |
| Assets per employee ($millions) | 5.3238% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 3,508 |
| Loan loss allowance to noncurrent loans | 243.3781% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 4,462 |
| Noncurrent loans to loans | 0.5284% | 4,083 |
| Net loans and leases to total assets | 76.1771% | 1,237 |
| Net loans and leases to deposits | 87.8100% | 1,755 |
| Net loans and leases to core deposits | 94.9211% | 1,822 |
| Total domestic deposits to total assets | 86.7522% | 2,416 |
| Equity capital to assets | 10.8161% | 3,106 |
| Core capital (leverage) ratio | 7.9647% | 6,020 |
| Tier 1 risk-based capital ratio | 10.1443% | 6,217 |
| Total risk-based capital ratio | 11.3952% | 6,166 |
| Memoranda: | ||
| Average total assets | $121,767,000 | 4,145 |
| Average earning assets | $106,356,200 | 4,259 |
| Average equity | $12,808,400 | 4,228 |
| Average total loans | $93,812,400 | 3,553 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9628% | 825 |
| Cost of funding earning assets | 0.5865% | 1,956 |
| Net interest margin | 4.3762% | 919 |
| Noninterest income to average assets | 0.5366% | 3,281 |
| Noninterest expense to average assets | 2.9412% | 2,988 |
| Loan and lease loss provision to assets | 0.2062% | 1,138 |
| Net operating income to assets | 1.1496% | 1,869 |
| Return on assets (ROA) | 1.1496% | 1,925 |
| Pretax return on assets | 1.2106% | 2,735 |
| Return on Equity (ROE) | 11.0121% | 1,785 |
| Retained earnings to average equity (ytd only) | 11.0121% | 510 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8102% | 4,243 |
| Assets per employee ($millions) | 5.0454% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 3,928 |
| Loan loss allowance to noncurrent loans | 7,681.2500% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 6,132 |
| Noncurrent loans to loans | 0.0163% | 5,966 |
| Net loans and leases to total assets | 76.7961% | 1,125 |
| Net loans and leases to deposits | 88.2606% | 1,637 |
| Net loans and leases to core deposits | 96.4695% | 1,640 |
| Total domestic deposits to total assets | 87.0106% | 2,317 |
| Equity capital to assets | 10.4008% | 3,678 |
| Core capital (leverage) ratio | 7.6596% | 6,228 |
| Tier 1 risk-based capital ratio | 9.4094% | 6,449 |
| Total risk-based capital ratio | 10.6547% | 6,425 |
| Memoranda: | ||
| Average total assets | $120,265,750 | 4,210 |
| Average earning assets | $105,019,500 | 4,326 |
| Average equity | $12,555,500 | 4,294 |
| Average total loans | $92,615,250 | 3,610 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 733 |
| Cost of funding earning assets | 0.5795% | 2,070 |
| Net interest margin | 4.4344% | 803 |
| Noninterest income to average assets | 0.3770% | 4,430 |
| Noninterest expense to average assets | 2.8214% | 3,421 |
| Loan and lease loss provision to assets | 0.2282% | 1,007 |
| Net operating income to assets | 1.1343% | 1,804 |
| Return on assets (ROA) | 1.1343% | 1,892 |
| Pretax return on assets | 1.1952% | 2,683 |
| Return on Equity (ROE) | 10.8509% | 1,790 |
| Retained earnings to average equity (ytd only) | 10.8509% | 558 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7153% | 4,583 |
| Assets per employee ($millions) | 5.1702% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 4,299 |
| Loan loss allowance to noncurrent loans | 3,926.6667% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 6,149 |
| Noncurrent loans to loans | 0.0312% | 5,965 |
| Net loans and leases to total assets | 76.4782% | 1,105 |
| Net loans and leases to deposits | 87.7329% | 1,625 |
| Net loans and leases to core deposits | 95.2849% | 1,661 |
| Total domestic deposits to total assets | 87.1717% | 2,360 |
| Equity capital to assets | 10.2889% | 3,710 |
| Core capital (leverage) ratio | 7.5903% | 6,281 |
| Tier 1 risk-based capital ratio | 9.3634% | 6,508 |
| Total risk-based capital ratio | 10.6029% | 6,496 |
| Memoranda: | ||
| Average total assets | $118,309,670 | 4,279 |
| Average earning assets | $103,193,330 | 4,380 |
| Average equity | $12,367,670 | 4,333 |
| Average total loans | $90,788,670 | 3,666 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 817 |
| Cost of funding earning assets | 0.5870% | 2,100 |
| Net interest margin | 4.3461% | 905 |
| Noninterest income to average assets | 0.4020% | 4,168 |
| Noninterest expense to average assets | 2.8383% | 3,423 |
| Loan and lease loss provision to assets | 0.1767% | 1,363 |
| Net operating income to assets | 1.0778% | 1,903 |
| Return on assets (ROA) | 1.0778% | 1,970 |
| Pretax return on assets | 1.1332% | 2,758 |
| Return on Equity (ROE) | 10.2235% | 1,955 |
| Retained earnings to average equity (ytd only) | 10.2235% | 910 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5831% | 4,431 |
| Assets per employee ($millions) | 5.3115% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 4,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 76.6322% | 928 |
| Net loans and leases to deposits | 88.3629% | 1,320 |
| Net loans and leases to core deposits | 95.4720% | 1,430 |
| Total domestic deposits to total assets | 86.7243% | 2,979 |
| Equity capital to assets | 10.5714% | 3,178 |
| Core capital (leverage) ratio | 7.7320% | 6,258 |
| Tier 1 risk-based capital ratio | 9.4738% | 6,550 |
| Total risk-based capital ratio | 10.6908% | 6,542 |
| Memoranda: | ||
| Average total assets | $115,422,000 | 4,380 |
| Average earning assets | $99,491,000 | 4,525 |
| Average equity | $12,168,000 | 4,393 |
| Average total loans | $88,145,000 | 3,747 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 1,167 |
| Cost of funding earning assets | 0.6328% | 2,358 |
| Net interest margin | 4.2320% | 1,269 |
| Noninterest income to average assets | 0.7788% | 2,170 |
| Noninterest expense to average assets | 2.8879% | 3,405 |
| Loan and lease loss provision to assets | 0.1646% | 2,216 |
| Net operating income to assets | 1.3944% | 1,033 |
| Return on assets (ROA) | 1.4018% | 1,059 |
| Pretax return on assets | 1.4753% | 1,532 |
| Return on Equity (ROE) | 12.5751% | 1,258 |
| Retained earnings to average equity (ytd only) | 12.5751% | 270 |
| Net charge-offs to loans | 0.0054% | 5,359 |
| Credit loss provision to net charge-offs | 4,200.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 416.5000% | 104 |
| Efficiency ratio | 61.9853% | 5,218 |
| Assets per employee ($millions) | 5.1814% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 4,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 74.2216% | 1,309 |
| Net loans and leases to deposits | 85.5289% | 1,745 |
| Net loans and leases to core deposits | 92.5819% | 1,716 |
| Total domestic deposits to total assets | 86.7797% | 2,842 |
| Equity capital to assets | 10.5122% | 3,141 |
| Core capital (leverage) ratio | 8.1702% | 6,002 |
| Tier 1 risk-based capital ratio | 9.7491% | 6,566 |
| Total risk-based capital ratio | 10.9917% | 6,542 |
| Memoranda: | ||
| Average total assets | $102,080,400 | 4,694 |
| Average earning assets | $90,240,600 | 4,768 |
| Average equity | $11,379,600 | 4,562 |
| Average total loans | $73,771,000 | 4,139 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8403% | 1,261 |
| Cost of funding earning assets | 0.6547% | 2,322 |
| Net interest margin | 4.1855% | 1,380 |
| Noninterest income to average assets | 0.9216% | 1,685 |
| Noninterest expense to average assets | 3.0056% | 2,974 |
| Loan and lease loss provision to assets | 0.1695% | 2,142 |
| Net operating income to assets | 1.3968% | 1,110 |
| Return on assets (ROA) | 1.4032% | 1,142 |
| Pretax return on assets | 1.4772% | 1,680 |
| Return on Equity (ROE) | 12.3845% | 1,377 |
| Retained earnings to average equity (ytd only) | 12.3845% | 380 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7860% | 5,018 |
| Assets per employee ($millions) | 4.4595% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 4,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 75.7996% | 1,031 |
| Net loans and leases to deposits | 87.2033% | 1,468 |
| Net loans and leases to core deposits | 92.2004% | 1,755 |
| Total domestic deposits to total assets | 86.9228% | 2,737 |
| Equity capital to assets | 11.8530% | 2,012 |
| Core capital (leverage) ratio | 8.1718% | 6,087 |
| Tier 1 risk-based capital ratio | 10.4624% | 6,468 |
| Total risk-based capital ratio | 11.7137% | 6,436 |
| Memoranda: | ||
| Average total assets | $99,102,750 | 4,804 |
| Average earning assets | $88,174,250 | 4,865 |
| Average equity | $11,228,750 | 4,636 |
| Average total loans | $70,801,500 | 4,271 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 1,394 |
| Cost of funding earning assets | 0.6685% | 2,333 |
| Net interest margin | 4.1008% | 1,543 |
| Noninterest income to average assets | 1.1143% | 1,224 |
| Noninterest expense to average assets | 3.0090% | 2,973 |
| Loan and lease loss provision to assets | 0.1690% | 2,224 |
| Net operating income to assets | 1.5211% | 869 |
| Return on assets (ROA) | 1.5307% | 918 |
| Pretax return on assets | 1.6111% | 1,339 |
| Return on Equity (ROE) | 13.7175% | 1,067 |
| Retained earnings to average equity (ytd only) | 13.7175% | 318 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1111% | 5,309 |
| Assets per employee ($millions) | 4.3663% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 4,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 69.6570% | 1,944 |
| Net loans and leases to deposits | 79.5562% | 2,393 |
| Net loans and leases to core deposits | 83.9520% | 2,572 |
| Total domestic deposits to total assets | 87.5569% | 2,515 |
| Equity capital to assets | 11.2601% | 2,512 |
| Core capital (leverage) ratio | 7.5612% | 6,430 |
| Tier 1 risk-based capital ratio | 10.8625% | 6,393 |
| Total risk-based capital ratio | 12.1140% | 6,362 |
| Memoranda: | ||
| Average total assets | $99,433,670 | 4,834 |
| Average earning assets | $88,861,670 | 4,875 |
| Average equity | $11,095,330 | 4,705 |
| Average total loans | $69,278,000 | 4,333 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 2,037 |
| Cost of funding earning assets | 0.6764% | 2,424 |
| Net interest margin | 3.8598% | 2,246 |
| Noninterest income to average assets | 1.3908% | 795 |
| Noninterest expense to average assets | 3.0443% | 2,855 |
| Loan and lease loss provision to assets | 0.1698% | 2,162 |
| Net operating income to assets | 1.5565% | 762 |
| Return on assets (ROA) | 1.5565% | 831 |
| Pretax return on assets | 1.6374% | 1,221 |
| Return on Equity (ROE) | 14.0140% | 959 |
| Retained earnings to average equity (ytd only) | 14.0140% | 446 |
| Net charge-offs to loans | 0.0876% | 2,965 |
| Credit loss provision to net charge-offs | 280.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 29.8000% | 958 |
| Efficiency ratio | 60.9167% | 5,455 |
| Assets per employee ($millions) | 4.8813% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 4,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 66.6172% | 2,260 |
| Net loans and leases to deposits | 75.7485% | 2,677 |
| Net loans and leases to core deposits | 79.8298% | 2,829 |
| Total domestic deposits to total assets | 87.9453% | 2,353 |
| Equity capital to assets | 10.9006% | 3,078 |
| Core capital (leverage) ratio | 7.3825% | 6,511 |
| Tier 1 risk-based capital ratio | 10.6740% | 6,532 |
| Total risk-based capital ratio | 11.9248% | 6,494 |
| Memoranda: | ||
| Average total assets | $98,938,000 | 4,887 |
| Average earning assets | $88,710,000 | 4,918 |
| Average equity | $10,989,000 | 4,772 |
| Average total loans | $68,459,000 | 4,399 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3187% | 892 |
| Cost of funding earning assets | 0.8196% | 2,514 |
| Net interest margin | 4.4991% | 954 |
| Noninterest income to average assets | 0.6321% | 3,095 |
| Noninterest expense to average assets | 2.8726% | 3,749 |
| Loan and lease loss provision to assets | 0.2283% | 2,847 |
| Net operating income to assets | 1.3698% | 1,152 |
| Return on assets (ROA) | 1.3698% | 1,275 |
| Pretax return on assets | 1.4420% | 1,884 |
| Return on Equity (ROE) | 11.7015% | 1,595 |
| Retained earnings to average equity (ytd only) | 11.7015% | 353 |
| Net charge-offs to loans | 0.0125% | 5,746 |
| Credit loss provision to net charge-offs | 2,487.5000% | 97 |
| Earnings coverage of net charge-offs (x) | 182.0000% | 228 |
| Efficiency ratio | 61.0101% | 5,384 |
| Assets per employee ($millions) | 4.5413% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 4,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 70.0916% | 1,823 |
| Net loans and leases to deposits | 80.1364% | 2,261 |
| Net loans and leases to core deposits | 84.4920% | 2,491 |
| Total domestic deposits to total assets | 87.4654% | 2,547 |
| Equity capital to assets | 11.3287% | 2,605 |
| Core capital (leverage) ratio | 7.3367% | 6,569 |
| Tier 1 risk-based capital ratio | 10.4080% | 6,587 |
| Total risk-based capital ratio | 11.6601% | 6,554 |
| Memoranda: | ||
| Average total assets | $87,169,000 | 5,159 |
| Average earning assets | $75,770,800 | 5,252 |
| Average equity | $10,203,800 | 4,934 |
| Average total loans | $64,188,200 | 4,567 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4237% | 793 |
| Cost of funding earning assets | 0.8322% | 2,691 |
| Net interest margin | 4.5916% | 835 |
| Noninterest income to average assets | 0.6250% | 3,128 |
| Noninterest expense to average assets | 2.9166% | 3,531 |
| Loan and lease loss provision to assets | 0.2271% | 2,790 |
| Net operating income to assets | 1.3831% | 1,260 |
| Return on assets (ROA) | 1.3831% | 1,392 |
| Pretax return on assets | 1.4567% | 2,051 |
| Return on Equity (ROE) | 11.7101% | 1,735 |
| Retained earnings to average equity (ytd only) | 11.7101% | 579 |
| Net charge-offs to loans | -0.0211% | 6,507 |
| Credit loss provision to net charge-offs | -1,450.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1508% | 5,287 |
| Assets per employee ($millions) | 4.4718% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 4,737 |
| Loan loss allowance to noncurrent loans | 172.0408% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 5,303 |
| Noncurrent loans to loans | 0.7656% | 4,879 |
| Net loans and leases to total assets | 70.6178% | 1,798 |
| Net loans and leases to deposits | 82.3311% | 2,072 |
| Net loans and leases to core deposits | 87.5054% | 2,278 |
| Total domestic deposits to total assets | 85.7729% | 3,373 |
| Equity capital to assets | 11.7795% | 2,452 |
| Core capital (leverage) ratio | 7.6745% | 6,538 |
| Tier 1 risk-based capital ratio | 10.2778% | 6,733 |
| Total risk-based capital ratio | 11.5289% | 6,708 |
| Memoranda: | ||
| Average total assets | $85,119,250 | 5,271 |
| Average earning assets | $73,698,750 | 5,385 |
| Average equity | $10,053,750 | 5,015 |
| Average total loans | $63,304,250 | 4,635 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4665% | 770 |
| Cost of funding earning assets | 0.8418% | 2,863 |
| Net interest margin | 4.6247% | 790 |
| Noninterest income to average assets | 0.6166% | 3,158 |
| Noninterest expense to average assets | 2.9684% | 3,380 |
| Loan and lease loss provision to assets | 0.2175% | 2,897 |
| Net operating income to assets | 1.3767% | 1,243 |
| Return on assets (ROA) | 1.3767% | 1,399 |
| Pretax return on assets | 1.4484% | 2,015 |
| Return on Equity (ROE) | 11.6442% | 1,790 |
| Retained earnings to average equity (ytd only) | 11.6442% | 639 |
| Net charge-offs to loans | -0.0317% | 6,542 |
| Credit loss provision to net charge-offs | -910.0000% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7844% | 5,282 |
| Assets per employee ($millions) | 4.5147% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 5,353 |
| Loan loss allowance to noncurrent loans | 2,465.6250% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 6,736 |
| Noncurrent loans to loans | 0.0486% | 6,557 |
| Net loans and leases to total assets | 75.7764% | 995 |
| Net loans and leases to deposits | 88.5042% | 1,322 |
| Net loans and leases to core deposits | 93.9660% | 1,608 |
| Total domestic deposits to total assets | 85.6190% | 3,557 |
| Equity capital to assets | 11.8897% | 2,230 |
| Core capital (leverage) ratio | 7.3595% | 6,681 |
| Tier 1 risk-based capital ratio | 9.6415% | 6,900 |
| Total risk-based capital ratio | 10.8912% | 6,890 |
| Memoranda: | ||
| Average total assets | $83,680,670 | 5,331 |
| Average earning assets | $72,697,330 | 5,439 |
| Average equity | $9,893,330 | 5,056 |
| Average total loans | $63,072,330 | 4,672 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2980% | 1,100 |
| Cost of funding earning assets | 0.8542% | 3,028 |
| Net interest margin | 4.4438% | 1,122 |
| Noninterest income to average assets | 0.6680% | 2,820 |
| Noninterest expense to average assets | 3.0110% | 3,204 |
| Loan and lease loss provision to assets | 0.1985% | 2,956 |
| Net operating income to assets | 1.2441% | 1,619 |
| Return on assets (ROA) | 1.2441% | 1,796 |
| Pretax return on assets | 1.3119% | 2,500 |
| Return on Equity (ROE) | 10.5539% | 2,208 |
| Retained earnings to average equity (ytd only) | 10.5539% | 1,154 |
| Net charge-offs to loans | -0.0259% | 6,280 |
| Credit loss provision to net charge-offs | -1,025.0000% | 5,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2398% | 4,882 |
| Assets per employee ($millions) | 4.2665% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 5,620 |
| Loan loss allowance to noncurrent loans | 3,857.8947% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 6,853 |
| Noncurrent loans to loans | 0.0304% | 6,692 |
| Net loans and leases to total assets | 72.3306% | 1,344 |
| Net loans and leases to deposits | 84.1363% | 1,648 |
| Net loans and leases to core deposits | 87.7413% | 2,079 |
| Total domestic deposits to total assets | 85.9684% | 3,547 |
| Equity capital to assets | 11.5529% | 2,392 |
| Core capital (leverage) ratio | 7.2470% | 6,744 |
| Tier 1 risk-based capital ratio | 9.2529% | 7,000 |
| Total risk-based capital ratio | 10.4557% | 7,012 |
| Memoranda: | ||
| Average total assets | $82,631,000 | 5,396 |
| Average earning assets | $71,650,000 | 5,508 |
| Average equity | $9,740,500 | 5,107 |
| Average total loans | $61,713,500 | 4,745 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4144% | 1,377 |
| Cost of funding earning assets | 0.9579% | 3,665 |
| Net interest margin | 4.4565% | 1,241 |
| Noninterest income to average assets | 0.4968% | 3,867 |
| Noninterest expense to average assets | 3.0292% | 3,483 |
| Loan and lease loss provision to assets | 0.1827% | 4,366 |
| Net operating income to assets | 1.0474% | 2,013 |
| Return on assets (ROA) | 1.1223% | 1,871 |
| Pretax return on assets | 1.1818% | 2,516 |
| Return on Equity (ROE) | 8.7090% | 2,589 |
| Retained earnings to average equity (ytd only) | 3.0712% | 4,041 |
| Net charge-offs to loans | 0.0215% | 6,147 |
| Credit loss provision to net charge-offs | 1,200.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 84.4545% | 348 |
| Efficiency ratio | 67.3829% | 4,492 |
| Assets per employee ($millions) | 3.8063% | 4,307 |
| Cash dividends to net income (ytd only)* | 64.7349% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 5,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 75.4219% | 1,031 |
| Net loans and leases to deposits | 87.2296% | 1,484 |
| Net loans and leases to core deposits | 90.8676% | 2,004 |
| Total domestic deposits to total assets | 86.4637% | 3,047 |
| Equity capital to assets | 12.0388% | 2,096 |
| Core capital (leverage) ratio | 7.2113% | 6,785 |
| Tier 1 risk-based capital ratio | 9.1550% | 7,012 |
| Total risk-based capital ratio | 10.3299% | 7,024 |
| Memoranda: | ||
| Average total assets | $72,262,800 | 5,684 |
| Average earning assets | $61,909,200 | 5,806 |
| Average equity | $9,312,200 | 5,205 |
| Average total loans | $51,172,400 | 5,228 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2755% | 1,955 |
| Cost of funding earning assets | 0.9717% | 3,877 |
| Net interest margin | 4.3038% | 1,700 |
| Noninterest income to average assets | 0.4644% | 4,177 |
| Noninterest expense to average assets | 3.0383% | 3,410 |
| Loan and lease loss provision to assets | 0.1080% | 5,087 |
| Net operating income to assets | 0.9455% | 2,548 |
| Return on assets (ROA) | 1.0481% | 2,296 |
| Pretax return on assets | 1.1031% | 2,994 |
| Return on Equity (ROE) | 7.9843% | 3,046 |
| Retained earnings to average equity (ytd only) | 0.4042% | 5,831 |
| Net charge-offs to loans | 0.0328% | 5,689 |
| Credit loss provision to net charge-offs | 475.0000% | 587 |
| Earnings coverage of net charge-offs (x) | 48.4988% | 669 |
| Efficiency ratio | 70.3432% | 3,897 |
| Assets per employee ($millions) | 3.7713% | 4,363 |
| Cash dividends to net income (ytd only)* | 94.9370% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 5,713 |
| Loan loss allowance to noncurrent loans | 334.4262% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 6,453 |
| Noncurrent loans to loans | 0.3420% | 6,163 |
| Net loans and leases to total assets | 70.1244% | 2,064 |
| Net loans and leases to deposits | 81.5794% | 2,437 |
| Net loans and leases to core deposits | 84.5312% | 2,979 |
| Total domestic deposits to total assets | 85.9584% | 3,233 |
| Equity capital to assets | 12.4148% | 1,963 |
| Core capital (leverage) ratio | 7.6050% | 6,693 |
| Tier 1 risk-based capital ratio | 9.7672% | 7,014 |
| Total risk-based capital ratio | 10.9437% | 7,021 |
| Memoranda: | ||
| Average total assets | $70,345,250 | 5,772 |
| Average earning assets | $60,100,000 | 5,902 |
| Average equity | $9,234,500 | 5,251 |
| Average total loans | $48,721,750 | 5,362 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 3,653 |
| Cost of funding earning assets | 0.9992% | 3,952 |
| Net interest margin | 3.8945% | 3,339 |
| Noninterest income to average assets | 0.6438% | 2,889 |
| Noninterest expense to average assets | 2.9832% | 3,705 |
| Loan and lease loss provision to assets | 0.0991% | 5,082 |
| Net operating income to assets | 0.8448% | 2,882 |
| Return on assets (ROA) | 0.8448% | 2,979 |
| Pretax return on assets | 0.8885% | 3,661 |
| Return on Equity (ROE) | 6.3103% | 3,796 |
| Retained earnings to average equity (ytd only) | -1.5885% | 6,172 |
| Net charge-offs to loans | 0.0637% | 5,003 |
| Credit loss provision to net charge-offs | 226.6667% | 1,323 |
| Earnings coverage of net charge-offs (x) | 22.6000% | 1,115 |
| Efficiency ratio | 71.9002% | 3,754 |
| Assets per employee ($millions) | 4.0571% | 3,639 |
| Cash dividends to net income (ytd only)* | 125.1724% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 5,594 |
| Loan loss allowance to noncurrent loans | 1,195.9184% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 6,920 |
| Noncurrent loans to loans | 0.0994% | 6,726 |
| Net loans and leases to total assets | 70.6394% | 2,083 |
| Net loans and leases to deposits | 83.2863% | 2,219 |
| Net loans and leases to core deposits | 83.6538% | 3,264 |
| Total domestic deposits to total assets | 84.8151% | 3,960 |
| Equity capital to assets | 13.4145% | 1,331 |
| Core capital (leverage) ratio | 7.4389% | 6,786 |
| Tier 1 risk-based capital ratio | 10.3640% | 6,842 |
| Total risk-based capital ratio | 11.5892% | 6,847 |
| Memoranda: | ||
| Average total assets | $68,651,670 | 5,865 |
| Average earning assets | $58,647,000 | 6,004 |
| Average equity | $9,191,330 | 5,269 |
| Average total loans | $47,127,670 | 5,476 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8315% | 3,905 |
| Cost of funding earning assets | 1.0060% | 4,164 |
| Net interest margin | 3.8255% | 3,486 |
| Noninterest income to average assets | 0.5898% | 3,241 |
| Noninterest expense to average assets | 2.9025% | 4,049 |
| Loan and lease loss provision to assets | 0.0876% | 4,911 |
| Net operating income to assets | 0.8176% | 2,939 |
| Return on assets (ROA) | 0.8176% | 2,994 |
| Pretax return on assets | 0.8643% | 3,646 |
| Return on Equity (ROE) | 6.1129% | 3,835 |
| Retained earnings to average equity (ytd only) | -2.6198% | 6,240 |
| Net charge-offs to loans | 0.0174% | 4,837 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 372 |
| Efficiency ratio | 71.9697% | 3,872 |
| Assets per employee ($millions) | 4.8316% | 2,374 |
| Cash dividends to net income (ytd only)* | 142.8571% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 5,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 65.9167% | 3,034 |
| Net loans and leases to deposits | 77.8164% | 3,090 |
| Net loans and leases to core deposits | 78.1683% | 3,995 |
| Total domestic deposits to total assets | 84.7080% | 4,177 |
| Equity capital to assets | 13.5166% | 1,177 |
| Core capital (leverage) ratio | 7.5956% | 6,662 |
| Tier 1 risk-based capital ratio | 11.0331% | 6,491 |
| Total risk-based capital ratio | 12.2838% | 6,469 |
| Memoranda: | ||
| Average total assets | $68,492,500 | 5,915 |
| Average earning assets | $58,449,500 | 6,050 |
| Average equity | $9,161,000 | 5,270 |
| Average total loans | $46,038,500 | 5,558 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4952% | 2,308 |
| Cost of funding earning assets | 1.0476% | 5,443 |
| Net interest margin | 4.4476% | 1,362 |
| Noninterest income to average assets | 0.3881% | 4,991 |
| Noninterest expense to average assets | 2.7587% | 4,745 |
| Loan and lease loss provision to assets | 0.1010% | 6,139 |
| Net operating income to assets | 1.2879% | 1,207 |
| Return on assets (ROA) | 1.2879% | 1,264 |
| Pretax return on assets | 1.3553% | 1,781 |
| Return on Equity (ROE) | 8.8633% | 2,360 |
| Retained earnings to average equity (ytd only) | 3.4548% | 3,449 |
| Net charge-offs to loans | -0.0022% | 7,240 |
| Credit loss provision to net charge-offs | -6,300.0000% | 7,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1005% | 5,716 |
| Assets per employee ($millions) | 4.6228% | 2,660 |
| Cash dividends to net income (ytd only)* | 61.0212% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 5,465 |
| Loan loss allowance to noncurrent loans | 667.0588% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 6,935 |
| Noncurrent loans to loans | 0.1812% | 6,705 |
| Net loans and leases to total assets | 66.8311% | 3,264 |
| Net loans and leases to deposits | 80.0587% | 3,164 |
| Net loans and leases to core deposits | 80.0587% | 4,211 |
| Total domestic deposits to total assets | 83.4775% | 4,618 |
| Equity capital to assets | 13.2373% | 1,280 |
| Core capital (leverage) ratio | 7.8608% | 6,369 |
| Tier 1 risk-based capital ratio | 10.4003% | 6,759 |
| Total risk-based capital ratio | 11.5830% | 6,778 |
| Memoranda: | ||
| Average total assets | $62,347,800 | 6,112 |
| Average earning assets | $53,646,800 | 6,230 |
| Average equity | $9,059,800 | 5,401 |
| Average total loans | $44,867,200 | 5,710 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4759% | 2,535 |
| Cost of funding earning assets | 1.0580% | 5,661 |
| Net interest margin | 4.4179% | 1,473 |
| Noninterest income to average assets | 0.4224% | 4,779 |
| Noninterest expense to average assets | 2.7150% | 4,815 |
| Loan and lease loss provision to assets | 0.1254% | 5,773 |
| Net operating income to assets | 1.3245% | 1,295 |
| Return on assets (ROA) | 1.3245% | 1,366 |
| Pretax return on assets | 1.3949% | 1,891 |
| Return on Equity (ROE) | 8.8887% | 2,526 |
| Retained earnings to average equity (ytd only) | 3.5732% | 3,934 |
| Net charge-offs to loans | -0.0030% | 7,185 |
| Credit loss provision to net charge-offs | -5,700.0000% | 7,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6753% | 5,843 |
| Assets per employee ($millions) | 4.5139% | 2,884 |
| Cash dividends to net income (ytd only)* | 59.8007% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,506 |
| Loan loss allowance to noncurrent loans | 90.4839% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.9811% | 5,125 |
| Noncurrent loans to loans | 1.3243% | 4,650 |
| Net loans and leases to total assets | 73.1957% | 1,976 |
| Net loans and leases to deposits | 89.4095% | 1,803 |
| Net loans and leases to core deposits | 89.4095% | 3,185 |
| Total domestic deposits to total assets | 81.8657% | 5,051 |
| Equity capital to assets | 14.5692% | 1,002 |
| Core capital (leverage) ratio | 8.2581% | 5,950 |
| Tier 1 risk-based capital ratio | 10.7362% | 6,609 |
| Total risk-based capital ratio | 11.9669% | 6,600 |
| Memoranda: | ||
| Average total assets | $60,599,250 | 6,244 |
| Average earning assets | $52,300,750 | 6,357 |
| Average equity | $9,030,000 | 5,491 |
| Average total loans | $44,356,750 | 5,814 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4289% | 2,848 |
| Cost of funding earning assets | 1.0562% | 5,894 |
| Net interest margin | 4.3727% | 1,529 |
| Noninterest income to average assets | 0.3449% | 5,389 |
| Noninterest expense to average assets | 2.6384% | 5,173 |
| Loan and lease loss provision to assets | 0.1440% | 5,458 |
| Net operating income to assets | 1.2556% | 1,415 |
| Return on assets (ROA) | 1.2556% | 1,479 |
| Pretax return on assets | 1.3192% | 2,029 |
| Return on Equity (ROE) | 8.3603% | 2,733 |
| Retained earnings to average equity (ytd only) | 3.0097% | 4,206 |
| Net charge-offs to loans | 0.0046% | 6,311 |
| Credit loss provision to net charge-offs | 4,300.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 437.0000% | 76 |
| Efficiency ratio | 60.7347% | 5,913 |
| Assets per employee ($millions) | 4.1518% | 3,483 |
| Cash dividends to net income (ytd only)* | 64.0000% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 5,385 |
| Loan loss allowance to noncurrent loans | 87.0607% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 2.3283% | 3,103 |
| Noncurrent loans to loans | 1.3935% | 4,613 |
| Net loans and leases to total assets | 71.2574% | 2,600 |
| Net loans and leases to deposits | 87.0393% | 2,331 |
| Net loans and leases to core deposits | 87.0393% | 3,689 |
| Total domestic deposits to total assets | 81.8681% | 5,044 |
| Equity capital to assets | 14.5447% | 1,000 |
| Core capital (leverage) ratio | 8.5298% | 5,356 |
| Tier 1 risk-based capital ratio | 10.8830% | 6,372 |
| Total risk-based capital ratio | 12.1232% | 6,367 |
| Memoranda: | ||
| Average total assets | $59,734,000 | 6,318 |
| Average earning assets | $51,318,000 | 6,431 |
| Average equity | $8,971,000 | 5,514 |
| Average total loans | $43,536,670 | 5,885 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3742% | 3,170 |
| Cost of funding earning assets | 1.0812% | 5,984 |
| Net interest margin | 4.2931% | 1,708 |
| Noninterest income to average assets | 0.3558% | 5,291 |
| Noninterest expense to average assets | 2.6752% | 5,028 |
| Loan and lease loss provision to assets | 0.1437% | 5,113 |
| Net operating income to assets | 1.1973% | 1,547 |
| Return on assets (ROA) | 1.1973% | 1,621 |
| Pretax return on assets | 1.2589% | 2,179 |
| Return on Equity (ROE) | 7.8409% | 2,963 |
| Retained earnings to average equity (ytd only) | 2.4643% | 4,656 |
| Net charge-offs to loans | -0.0187% | 7,060 |
| Credit loss provision to net charge-offs | -1,050.0000% | 6,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9128% | 5,849 |
| Assets per employee ($millions) | 4.2303% | 3,410 |
| Cash dividends to net income (ytd only)* | 68.5714% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 5,434 |
| Loan loss allowance to noncurrent loans | 84.7021% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.0486% | 5,046 |
| Noncurrent loans to loans | 1.4324% | 4,590 |
| Net loans and leases to total assets | 72.3170% | 2,383 |
| Net loans and leases to deposits | 87.2317% | 2,369 |
| Net loans and leases to core deposits | 87.2317% | 3,713 |
| Total domestic deposits to total assets | 82.9022% | 4,679 |
| Equity capital to assets | 15.1408% | 845 |
| Core capital (leverage) ratio | 8.6018% | 5,197 |
| Tier 1 risk-based capital ratio | 11.1122% | 6,045 |
| Total risk-based capital ratio | 12.3516% | 6,030 |
| Memoranda: | ||
| Average total assets | $58,462,500 | 6,448 |
| Average earning assets | $50,686,500 | 6,522 |
| Average equity | $8,927,500 | 5,564 |
| Average total loans | $42,844,000 | 5,989 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1547% | 5,853 |
| Cost of funding earning assets | 1.3807% | 6,015 |
| Net interest margin | 3.7741% | 3,823 |
| Noninterest income to average assets | 0.3085% | 5,878 |
| Noninterest expense to average assets | 2.5958% | 5,815 |
| Loan and lease loss provision to assets | 0.2748% | 5,215 |
| Net operating income to assets | 0.7109% | 2,890 |
| Return on assets (ROA) | 0.7092% | 2,960 |
| Pretax return on assets | 0.7465% | 3,421 |
| Return on Equity (ROE) | 4.5039% | 3,881 |
| Retained earnings to average equity (ytd only) | -0.7882% | 5,199 |
| Net charge-offs to loans | 0.0812% | 6,295 |
| Credit loss provision to net charge-offs | 484.3750% | 633 |
| Earnings coverage of net charge-offs (x) | 18.0313% | 1,151 |
| Efficiency ratio | 67.4179% | 5,110 |
| Assets per employee ($millions) | 4.1215% | 3,569 |
| Cash dividends to net income (ytd only)* | 117.5000% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,426 |
| Loan loss allowance to noncurrent loans | 372.5926% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 6,883 |
| Noncurrent loans to loans | 0.3189% | 6,639 |
| Net loans and leases to total assets | 72.4944% | 2,637 |
| Net loans and leases to deposits | 86.0116% | 2,912 |
| Net loans and leases to core deposits | 92.2748% | 4,854 |
| Total domestic deposits to total assets | 84.2845% | 3,904 |
| Equity capital to assets | 15.4035% | 816 |
| Core capital (leverage) ratio | 8.5042% | 5,278 |
| Tier 1 risk-based capital ratio | 11.2121% | 5,707 |
| Total risk-based capital ratio | 12.4416% | 5,689 |
| Memoranda: | ||
| Average total assets | $56,399,800 | 6,477 |
| Average earning assets | $49,469,200 | 6,545 |
| Average equity | $8,881,200 | 5,641 |
| Average total loans | $39,398,600 | 6,142 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 6,287 |
| Cost of funding earning assets | 1.4343% | 6,105 |
| Net interest margin | 3.6601% | 4,234 |
| Noninterest income to average assets | 0.3162% | 5,949 |
| Noninterest expense to average assets | 2.5347% | 5,955 |
| Loan and lease loss provision to assets | 0.3091% | 4,497 |
| Net operating income to assets | 0.6586% | 3,362 |
| Return on assets (ROA) | 0.6586% | 3,424 |
| Pretax return on assets | 0.6943% | 3,876 |
| Return on Equity (ROE) | 4.1592% | 4,319 |
| Retained earnings to average equity (ytd only) | -1.0811% | 5,510 |
| Net charge-offs to loans | 0.0759% | 5,930 |
| Credit loss provision to net charge-offs | 590.9091% | 651 |
| Earnings coverage of net charge-offs (x) | 19.1834% | 1,307 |
| Efficiency ratio | 67.2043% | 5,138 |
| Assets per employee ($millions) | 4.4214% | 2,988 |
| Cash dividends to net income (ytd only)* | 125.9937% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 4,945 |
| Loan loss allowance to noncurrent loans | 323.1788% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 6,849 |
| Noncurrent loans to loans | 0.3812% | 6,586 |
| Net loans and leases to total assets | 68.0643% | 3,943 |
| Net loans and leases to deposits | 80.6756% | 4,256 |
| Net loans and leases to core deposits | 85.6361% | 5,900 |
| Total domestic deposits to total assets | 84.3679% | 3,543 |
| Equity capital to assets | 15.3398% | 921 |
| Core capital (leverage) ratio | 8.7658% | 5,027 |
| Tier 1 risk-based capital ratio | 11.7105% | 5,231 |
| Total risk-based capital ratio | 12.9506% | 5,192 |
| Memoranda: | ||
| Average total assets | $56,074,500 | 6,543 |
| Average earning assets | $49,359,250 | 6,600 |
| Average equity | $8,879,500 | 5,689 |
| Average total loans | $38,665,000 | 6,217 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 6,434 |
| Cost of funding earning assets | 1.5032% | 6,128 |
| Net interest margin | 3.5979% | 4,369 |
| Noninterest income to average assets | 0.3129% | 6,004 |
| Noninterest expense to average assets | 2.4601% | 6,263 |
| Loan and lease loss provision to assets | 0.2338% | 4,718 |
| Net operating income to assets | 0.7229% | 3,154 |
| Return on assets (ROA) | 0.7229% | 3,261 |
| Pretax return on assets | 0.7697% | 3,777 |
| Return on Equity (ROE) | 4.5167% | 4,293 |
| Retained earnings to average equity (ytd only) | -0.6292% | 5,383 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4590% | 5,463 |
| Assets per employee ($millions) | 4.1848% | 3,321 |
| Cash dividends to net income (ytd only)* | 113.9303% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 5,095 |
| Loan loss allowance to noncurrent loans | 251.4124% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 6,652 |
| Noncurrent loans to loans | 0.4684% | 6,356 |
| Net loans and leases to total assets | 68.6482% | 4,034 |
| Net loans and leases to deposits | 82.3742% | 4,162 |
| Net loans and leases to core deposits | 88.3992% | 5,684 |
| Total domestic deposits to total assets | 83.3370% | 4,095 |
| Equity capital to assets | 16.2880% | 782 |
| Core capital (leverage) ratio | 8.7904% | 4,955 |
| Tier 1 risk-based capital ratio | 12.4376% | 4,567 |
| Total risk-based capital ratio | 13.6450% | 4,532 |
| Memoranda: | ||
| Average total assets | $55,606,670 | 6,614 |
| Average earning assets | $48,694,670 | 6,682 |
| Average equity | $8,900,330 | 5,719 |
| Average total loans | $38,350,000 | 6,279 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1642% | 6,430 |
| Cost of funding earning assets | 1.5501% | 6,235 |
| Net interest margin | 3.6141% | 4,261 |
| Noninterest income to average assets | 0.3131% | 5,938 |
| Noninterest expense to average assets | 2.1918% | 6,893 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2098% | 1,633 |
| Return on assets (ROA) | 1.2098% | 1,744 |
| Pretax return on assets | 1.2738% | 2,361 |
| Return on Equity (ROE) | 7.6233% | 3,320 |
| Retained earnings to average equity (ytd only) | 2.7803% | 4,332 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7269% | 6,585 |
| Assets per employee ($millions) | 4.9796% | 2,090 |
| Cash dividends to net income (ytd only)* | 63.5294% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 6,146 |
| Loan loss allowance to noncurrent loans | 361.9048% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.4267% | 6,224 |
| Noncurrent loans to loans | 0.2774% | 6,745 |
| Net loans and leases to total assets | 62.7027% | 5,207 |
| Net loans and leases to deposits | 73.9919% | 5,479 |
| Net loans and leases to core deposits | 78.5526% | 6,496 |
| Total domestic deposits to total assets | 84.7427% | 3,332 |
| Equity capital to assets | 14.9795% | 1,108 |
| Core capital (leverage) ratio | 9.5176% | 3,956 |
| Tier 1 risk-based capital ratio | 12.1275% | 4,842 |
| Total risk-based capital ratio | 13.1182% | 4,973 |
| Memoranda: | ||
| Average total assets | $56,209,000 | 6,625 |
| Average earning assets | $49,030,000 | 6,708 |
| Average equity | $8,920,000 | 5,729 |
| Average total loans | $38,629,500 | 6,299 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6462% | 6,941 |
| Cost of funding earning assets | 2.1356% | 5,902 |
| Net interest margin | 3.5106% | 5,264 |
| Noninterest income to average assets | 0.3408% | 6,009 |
| Noninterest expense to average assets | 2.0992% | 7,241 |
| Loan and lease loss provision to assets | 0.0941% | 6,184 |
| Net operating income to assets | 1.1127% | 2,093 |
| Return on assets (ROA) | 1.1127% | 2,011 |
| Pretax return on assets | 1.1710% | 2,764 |
| Return on Equity (ROE) | 6.6996% | 3,676 |
| Retained earnings to average equity (ytd only) | 1.8478% | 4,080 |
| Net charge-offs to loans | -0.0177% | 7,916 |
| Credit loss provision to net charge-offs | -833.3333% | 7,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4706% | 6,787 |
| Assets per employee ($millions) | 4.3886% | 2,812 |
| Cash dividends to net income (ytd only)* | 72.4196% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 6,305 |
| Loan loss allowance to noncurrent loans | 622.9508% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 6,018 |
| Noncurrent loans to loans | 0.1548% | 6,945 |
| Net loans and leases to total assets | 74.1147% | 3,074 |
| Net loans and leases to deposits | 89.5741% | 3,520 |
| Net loans and leases to core deposits | 95.9936% | 5,258 |
| Total domestic deposits to total assets | 82.7412% | 3,883 |
| Equity capital to assets | 16.8790% | 790 |
| Core capital (leverage) ratio | 9.2944% | 4,305 |
| Tier 1 risk-based capital ratio | 12.0340% | 4,795 |
| Total risk-based capital ratio | 13.0351% | 4,903 |
| Memoranda: | ||
| Average total assets | $53,115,800 | 6,655 |
| Average earning assets | $45,747,600 | 6,780 |
| Average equity | $8,821,400 | 5,798 |
| Average total loans | $33,846,600 | 6,496 |