Home > State Bank Northwest > Performance and Condition Ratios
State Bank Northwest, 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 | 6.0517% | 597 |
| Cost of funding earning assets | 0.2676% | 4,399 |
| Net interest margin | 5.7842% | 135 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 3.7303% | 450 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 2.0005% | 466 |
| Return on assets (ROA) | 2.0005% | 449 |
| Pretax return on assets | 2.0005% | 675 |
| Return on Equity (ROE) | 19.0600% | 708 |
| Retained earnings to average equity (ytd only) | 15.9969% | 271 |
| Net charge-offs to loans | -0.0116% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.9919% | 2,481 |
| Assets per employee ($millions) | 5.7540% | 3,020 |
| Cash dividends to net income (ytd only)* | 16.0595% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 3,445 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.6400% | 2,408 |
| Net loans and leases to deposits | 75.3419% | 2,516 |
| Net loans and leases to core deposits | 76.3560% | 2,953 |
| Total domestic deposits to total assets | 85.8000% | 2,071 |
| Equity capital to assets | 11.4947% | 1,286 |
| Core capital (leverage) ratio | 11.2204% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0901% | 1,251 |
| Memoranda: | ||
| Average total assets | $225,048,200 | 2,815 |
| Average earning assets | $205,941,000 | 2,819 |
| Average equity | $23,623,400 | 2,589 |
| Average total loans | $146,982,800 | 2,695 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8713% | 632 |
| Cost of funding earning assets | 0.2438% | 4,407 |
| Net interest margin | 5.6274% | 160 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 3.6587% | 463 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.8868% | 573 |
| Return on assets (ROA) | 1.8868% | 561 |
| Pretax return on assets | 1.8868% | 876 |
| Return on Equity (ROE) | 18.4100% | 891 |
| Retained earnings to average equity (ytd only) | 14.4072% | 624 |
| Net charge-offs to loans | -0.0154% | 4,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.8357% | 2,301 |
| Assets per employee ($millions) | 6.0248% | 2,733 |
| Cash dividends to net income (ytd only)* | 21.7446% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 3,677 |
| 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 | 65.5200% | 2,288 |
| Net loans and leases to deposits | 75.3334% | 2,471 |
| Net loans and leases to core deposits | 76.5424% | 2,828 |
| Total domestic deposits to total assets | 86.9700% | 1,905 |
| Equity capital to assets | 10.3882% | 1,600 |
| Core capital (leverage) ratio | 11.2635% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5262% | 1,705 |
| Memoranda: | ||
| Average total assets | $225,208,500 | 2,826 |
| Average earning assets | $206,696,500 | 2,831 |
| Average equity | $23,080,500 | 2,617 |
| Average total loans | $147,107,750 | 2,706 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7249% | 613 |
| Cost of funding earning assets | 0.1709% | 4,457 |
| Net interest margin | 5.5540% | 165 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 3.6998% | 437 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.7085% | 766 |
| Return on assets (ROA) | 1.7085% | 766 |
| Pretax return on assets | 1.7085% | 1,194 |
| Return on Equity (ROE) | 16.7500% | 1,140 |
| Retained earnings to average equity (ytd only) | 10.8933% | 1,208 |
| Net charge-offs to loans | -0.0014% | 3,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.1833% | 1,965 |
| Assets per employee ($millions) | 5.7115% | 2,957 |
| Cash dividends to net income (ytd only)* | 34.9684% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 3,667 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 66.9500% | 2,059 |
| Net loans and leases to deposits | 77.2172% | 2,200 |
| Net loans and leases to core deposits | 81.8799% | 2,344 |
| Total domestic deposits to total assets | 86.7000% | 2,024 |
| Equity capital to assets | 10.4105% | 1,632 |
| Core capital (leverage) ratio | 11.0361% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3948% | 1,762 |
| Memoranda: | ||
| Average total assets | $221,955,333 | 2,857 |
| Average earning assets | $203,602,000 | 2,865 |
| Average equity | $22,637,667 | 2,653 |
| Average total loans | $144,352,333 | 2,720 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6226% | 504 |
| Cost of funding earning assets | 0.1395% | 4,476 |
| Net interest margin | 5.4831% | 152 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 3.7317% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6267% | 936 |
| Return on assets (ROA) | 1.6267% | 936 |
| Pretax return on assets | 1.6267% | 1,406 |
| Return on Equity (ROE) | 16.1200% | 1,332 |
| Retained earnings to average equity (ytd only) | 15.5800% | 735 |
| Net charge-offs to loans | -0.0028% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.6429% | 1,785 |
| Assets per employee ($millions) | 5.5348% | 3,185 |
| Cash dividends to net income (ytd only)* | 3.3296% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 3,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 63.4900% | 2,297 |
| Net loans and leases to deposits | 73.1315% | 2,371 |
| Net loans and leases to core deposits | 74.6070% | 2,634 |
| Total domestic deposits to total assets | 86.8200% | 2,332 |
| Equity capital to assets | 10.5754% | 1,528 |
| Core capital (leverage) ratio | 10.3402% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2287% | 1,562 |
| Memoranda: | ||
| Average total assets | $221,559,500 | 2,901 |
| Average earning assets | $203,606,000 | 2,910 |
| Average equity | $22,362,000 | 2,692 |
| Average total loans | $141,265,000 | 2,786 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 1,533 |
| Cost of funding earning assets | 0.1811% | 3,898 |
| Net interest margin | 3.8920% | 969 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 3.1051% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9388% | 2,822 |
| Return on assets (ROA) | 0.9388% | 2,762 |
| Pretax return on assets | 0.9388% | 3,246 |
| Return on Equity (ROE) | 10.7000% | 2,577 |
| Retained earnings to average equity (ytd only) | 7.0860% | 2,200 |
| Net charge-offs to loans | -0.0094% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.7855% | 937 |
| Assets per employee ($millions) | 6.1422% | 2,643 |
| Cash dividends to net income (ytd only)* | 33.7662% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 3,554 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 62.7900% | 2,348 |
| Net loans and leases to deposits | 71.8466% | 2,420 |
| Net loans and leases to core deposits | 73.6247% | 2,596 |
| Total domestic deposits to total assets | 87.4000% | 2,270 |
| Equity capital to assets | 9.6348% | 1,923 |
| Core capital (leverage) ratio | 9.5814% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1953% | 1,901 |
| Memoranda: | ||
| Average total assets | $237,866,200 | 2,795 |
| Average earning assets | $225,230,200 | 2,769 |
| Average equity | $20,872,200 | 2,869 |
| Average total loans | $137,705,800 | 2,755 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 2,119 |
| Cost of funding earning assets | 0.1907% | 3,387 |
| Net interest margin | 3.4809% | 1,721 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.9098% | 1,036 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7467% | 3,428 |
| Return on assets (ROA) | 0.7467% | 3,377 |
| Pretax return on assets | 0.7467% | 3,703 |
| Return on Equity (ROE) | 8.7100% | 3,112 |
| Retained earnings to average equity (ytd only) | 4.0356% | 3,433 |
| Net charge-offs to loans | -0.0118% | 3,768 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.5785% | 797 |
| Assets per employee ($millions) | 6.8252% | 2,074 |
| Cash dividends to net income (ytd only)* | 53.6748% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 3,619 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 61.0700% | 2,396 |
| Net loans and leases to deposits | 67.3016% | 2,604 |
| Net loans and leases to core deposits | 69.3930% | 2,691 |
| Total domestic deposits to total assets | 90.7400% | 1,337 |
| Equity capital to assets | 9.0392% | 2,186 |
| Core capital (leverage) ratio | 9.2072% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3558% | 1,920 |
| Memoranda: | ||
| Average total assets | $240,517,750 | 2,802 |
| Average earning assets | $229,361,750 | 2,767 |
| Average equity | $20,616,250 | 2,937 |
| Average total loans | $136,108,750 | 2,775 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2596% | 2,874 |
| Cost of funding earning assets | 0.1985% | 2,932 |
| Net interest margin | 3.0612% | 2,678 |
| Noninterest income to average assets | 0.3247% | 3,225 |
| Noninterest expense to average assets | 2.7599% | 1,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4931% | 3,909 |
| Return on assets (ROA) | 0.4931% | 3,861 |
| Pretax return on assets | 0.4931% | 4,010 |
| Return on Equity (ROE) | 5.8547% | 3,615 |
| Retained earnings to average equity (ytd only) | -0.9075% | 4,287 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8408% | 633 |
| Assets per employee ($millions) | 7.0416% | 1,910 |
| Cash dividends to net income (ytd only)* | 115.5000% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 3,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 59.1848% | 2,418 |
| Net loans and leases to deposits | 65.2787% | 2,608 |
| Net loans and leases to core deposits | 68.9931% | 2,567 |
| Total domestic deposits to total assets | 90.6647% | 1,396 |
| Equity capital to assets | 8.4891% | 2,773 |
| Core capital (leverage) ratio | 8.4397% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0378% | 2,047 |
| Memoranda: | ||
| Average total assets | $243,338,333 | 2,808 |
| Average earning assets | $232,788,000 | 2,774 |
| Average equity | $20,496,333 | 3,021 |
| Average total loans | $133,779,000 | 2,811 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9702% | 3,341 |
| Cost of funding earning assets | 0.2109% | 2,658 |
| Net interest margin | 2.7593% | 3,253 |
| Noninterest income to average assets | 0.2707% | 3,511 |
| Noninterest expense to average assets | 2.6661% | 1,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2495% | 4,240 |
| Return on assets (ROA) | 0.2495% | 4,217 |
| Pretax return on assets | 0.2495% | 4,268 |
| Return on Equity (ROE) | 2.9734% | 4,096 |
| Retained earnings to average equity (ytd only) | 2.3904% | 3,436 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4430% | 487 |
| Assets per employee ($millions) | 6.9181% | 2,046 |
| Cash dividends to net income (ytd only)* | 19.6078% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,433 |
| Loan loss allowance to noncurrent loans | 3,618.4211% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,903 |
| Noncurrent loans to loans | 0.0297% | 3,782 |
| Net loans and leases to total assets | 52.2033% | 2,968 |
| Net loans and leases to deposits | 57.4753% | 3,126 |
| Net loans and leases to core deposits | 61.7086% | 2,997 |
| Total domestic deposits to total assets | 90.8274% | 1,122 |
| Equity capital to assets | 8.4519% | 3,204 |
| Core capital (leverage) ratio | 8.2938% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5433% | 1,632 |
| Memoranda: | ||
| Average total assets | $245,301,000 | 2,811 |
| Average earning assets | $235,134,000 | 2,766 |
| Average equity | $20,582,500 | 3,097 |
| Average total loans | $129,133,000 | 2,858 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 1,233 |
| Cost of funding earning assets | 0.2624% | 2,780 |
| Net interest margin | 3.7944% | 1,020 |
| Noninterest income to average assets | 0.6229% | 2,063 |
| Noninterest expense to average assets | 3.1939% | 737 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0430% | 2,511 |
| Return on assets (ROA) | 1.0430% | 2,585 |
| Pretax return on assets | 1.0430% | 3,146 |
| Return on Equity (ROE) | 11.2930% | 2,056 |
| Retained earnings to average equity (ytd only) | 4.1810% | 3,152 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3820% | 1,165 |
| Assets per employee ($millions) | 7.0991% | 1,863 |
| Cash dividends to net income (ytd only)* | 62.9774% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,553 |
| Loan loss allowance to noncurrent loans | 213.1783% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 2,263 |
| Noncurrent loans to loans | 0.4943% | 1,892 |
| Net loans and leases to total assets | 51.9640% | 3,072 |
| Net loans and leases to deposits | 57.4964% | 3,296 |
| Net loans and leases to core deposits | 61.4559% | 3,210 |
| Total domestic deposits to total assets | 90.3778% | 774 |
| Equity capital to assets | 8.3311% | 4,160 |
| Core capital (leverage) ratio | 8.6289% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6097% | 1,649 |
| Memoranda: | ||
| Average total assets | $220,891,600 | 2,896 |
| Average earning assets | $210,387,400 | 2,868 |
| Average equity | $20,402,000 | 3,180 |
| Average total loans | $137,847,400 | 2,750 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 1,029 |
| Cost of funding earning assets | 0.2800% | 2,799 |
| Net interest margin | 3.9694% | 834 |
| Noninterest income to average assets | 0.6885% | 1,864 |
| Noninterest expense to average assets | 3.2411% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2193% | 2,102 |
| Return on assets (ROA) | 1.2193% | 2,161 |
| Pretax return on assets | 1.2193% | 2,868 |
| Return on Equity (ROE) | 12.8361% | 1,748 |
| Retained earnings to average equity (ytd only) | 3.5222% | 3,736 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6638% | 1,345 |
| Assets per employee ($millions) | 6.6360% | 2,146 |
| Cash dividends to net income (ytd only)* | 72.5600% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,874 |
| Loan loss allowance to noncurrent loans | 209.9237% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 2,364 |
| Noncurrent loans to loans | 0.4728% | 2,140 |
| Net loans and leases to total assets | 59.0511% | 2,366 |
| Net loans and leases to deposits | 65.1294% | 2,719 |
| Net loans and leases to core deposits | 69.9484% | 2,604 |
| Total domestic deposits to total assets | 90.6674% | 481 |
| Equity capital to assets | 8.7854% | 4,012 |
| Core capital (leverage) ratio | 9.1481% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5068% | 1,793 |
| Memoranda: | ||
| Average total assets | $213,997,500 | 2,987 |
| Average earning assets | $203,352,250 | 2,956 |
| Average equity | $20,327,500 | 3,219 |
| Average total loans | $139,687,000 | 2,767 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 585 |
| Cost of funding earning assets | 0.3026% | 2,755 |
| Net interest margin | 4.3404% | 460 |
| Noninterest income to average assets | 0.6820% | 1,884 |
| Noninterest expense to average assets | 3.3553% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4526% | 1,414 |
| Return on assets (ROA) | 1.4526% | 1,485 |
| Pretax return on assets | 1.4526% | 2,166 |
| Return on Equity (ROE) | 14.8756% | 1,193 |
| Retained earnings to average equity (ytd only) | 1.1723% | 4,304 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7879% | 1,673 |
| Assets per employee ($millions) | 6.1756% | 2,451 |
| Cash dividends to net income (ytd only)* | 92.1192% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 3,959 |
| Loan loss allowance to noncurrent loans | 206.4565% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 2,375 |
| Noncurrent loans to loans | 0.4660% | 2,278 |
| Net loans and leases to total assets | 65.4891% | 1,753 |
| Net loans and leases to deposits | 72.8988% | 2,124 |
| Net loans and leases to core deposits | 78.7262% | 1,986 |
| Total domestic deposits to total assets | 89.8356% | 851 |
| Equity capital to assets | 9.2572% | 3,554 |
| Core capital (leverage) ratio | 9.3387% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2258% | 1,555 |
| Memoranda: | ||
| Average total assets | $207,910,000 | 3,035 |
| Average earning assets | $197,631,000 | 3,002 |
| Average equity | $20,301,667 | 3,220 |
| Average total loans | $140,073,667 | 2,781 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3352% | 223 |
| Cost of funding earning assets | 0.3195% | 2,798 |
| Net interest margin | 5.0157% | 185 |
| Noninterest income to average assets | 0.5044% | 2,591 |
| Noninterest expense to average assets | 3.1581% | 766 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1218% | 468 |
| Return on assets (ROA) | 2.1218% | 510 |
| Pretax return on assets | 2.1218% | 777 |
| Return on Equity (ROE) | 21.1463% | 457 |
| Retained earnings to average equity (ytd only) | 20.4812% | 254 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8141% | 3,057 |
| Assets per employee ($millions) | 7.2662% | 1,601 |
| Cash dividends to net income (ytd only)* | 3.1452% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 3,902 |
| Loan loss allowance to noncurrent loans | 203.4024% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 2,542 |
| Noncurrent loans to loans | 0.4841% | 2,402 |
| Net loans and leases to total assets | 65.6203% | 1,843 |
| Net loans and leases to deposits | 73.6873% | 2,142 |
| Net loans and leases to core deposits | 78.7856% | 2,114 |
| Total domestic deposits to total assets | 89.0523% | 1,319 |
| Equity capital to assets | 9.9521% | 2,747 |
| Core capital (leverage) ratio | 10.2134% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2331% | 655 |
| Memoranda: | ||
| Average total assets | $203,792,000 | 3,055 |
| Average earning assets | $194,032,000 | 3,023 |
| Average equity | $20,448,000 | 3,207 |
| Average total loans | $138,647,000 | 2,802 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3883% | 226 |
| Cost of funding earning assets | 0.3785% | 3,722 |
| Net interest margin | 5.0098% | 122 |
| Noninterest income to average assets | 0.6297% | 2,100 |
| Noninterest expense to average assets | 3.5373% | 657 |
| Loan and lease loss provision to assets | 0.1144% | 2,918 |
| Net operating income to assets | 1.7546% | 430 |
| Return on assets (ROA) | 1.7546% | 469 |
| Pretax return on assets | 1.7546% | 757 |
| Return on Equity (ROE) | 15.9928% | 502 |
| Retained earnings to average equity (ytd only) | 10.8843% | 449 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4290% | 2,616 |
| Assets per employee ($millions) | 6.7935% | 1,714 |
| Cash dividends to net income (ytd only)* | 31.9426% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,871 |
| Loan loss allowance to noncurrent loans | 133.6249% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 1,985 |
| Noncurrent loans to loans | 0.7476% | 1,833 |
| Net loans and leases to total assets | 69.1682% | 1,663 |
| Net loans and leases to deposits | 78.1628% | 2,053 |
| Net loans and leases to core deposits | 83.8615% | 2,044 |
| Total domestic deposits to total assets | 88.4925% | 1,235 |
| Equity capital to assets | 10.1883% | 2,939 |
| Core capital (leverage) ratio | 10.2818% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1275% | 887 |
| Memoranda: | ||
| Average total assets | $174,851,400 | 3,152 |
| Average earning assets | $166,714,200 | 3,101 |
| Average equity | $19,183,600 | 3,261 |
| Average total loans | $131,056,600 | 2,854 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9182% | 122 |
| Cost of funding earning assets | 0.3872% | 3,886 |
| Net interest margin | 5.5310% | 74 |
| Noninterest income to average assets | 0.5717% | 2,296 |
| Noninterest expense to average assets | 3.6122% | 604 |
| Loan and lease loss provision to assets | 0.1577% | 2,434 |
| Net operating income to assets | 2.0782% | 251 |
| Return on assets (ROA) | 2.0782% | 276 |
| Pretax return on assets | 2.0782% | 441 |
| Return on Equity (ROE) | 18.5564% | 321 |
| Retained earnings to average equity (ytd only) | 11.9045% | 439 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7695% | 3,112 |
| Assets per employee ($millions) | 6.8175% | 1,616 |
| Cash dividends to net income (ytd only)* | 35.8469% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 4,138 |
| Loan loss allowance to noncurrent loans | 132.0845% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 2,073 |
| Noncurrent loans to loans | 0.6638% | 2,129 |
| Net loans and leases to total assets | 81.4375% | 489 |
| Net loans and leases to deposits | 91.5373% | 1,114 |
| Net loans and leases to core deposits | 99.4715% | 1,200 |
| Total domestic deposits to total assets | 88.9664% | 784 |
| Equity capital to assets | 10.3468% | 2,922 |
| Core capital (leverage) ratio | 10.2545% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5125% | 970 |
| Memoranda: | ||
| Average total assets | $169,311,500 | 3,184 |
| Average earning assets | $161,508,750 | 3,139 |
| Average equity | $18,961,500 | 3,283 |
| Average total loans | $129,409,750 | 2,877 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8536% | 66 |
| Cost of funding earning assets | 0.3934% | 4,062 |
| Net interest margin | 6.4602% | 47 |
| Noninterest income to average assets | 0.5588% | 2,308 |
| Noninterest expense to average assets | 3.7084% | 568 |
| Loan and lease loss provision to assets | 0.2467% | 1,709 |
| Net operating income to assets | 2.7424% | 107 |
| Return on assets (ROA) | 2.7424% | 111 |
| Pretax return on assets | 2.7424% | 150 |
| Return on Equity (ROE) | 23.7775% | 128 |
| Retained earnings to average equity (ytd only) | 14.0226% | 276 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3693% | 4,020 |
| Assets per employee ($millions) | 6.7122% | 1,624 |
| Cash dividends to net income (ytd only)* | 41.0256% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 3,952 |
| Loan loss allowance to noncurrent loans | 131.7050% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 2,145 |
| Noncurrent loans to loans | 0.6913% | 2,143 |
| Net loans and leases to total assets | 79.6255% | 634 |
| Net loans and leases to deposits | 89.8993% | 1,364 |
| Net loans and leases to core deposits | 96.9430% | 1,505 |
| Total domestic deposits to total assets | 88.5719% | 914 |
| Equity capital to assets | 10.3410% | 2,894 |
| Core capital (leverage) ratio | 9.8838% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4251% | 858 |
| Memoranda: | ||
| Average total assets | $162,118,667 | 3,226 |
| Average earning assets | $154,050,000 | 3,186 |
| Average equity | $18,698,333 | 3,302 |
| Average total loans | $120,269,333 | 2,981 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 729 |
| Cost of funding earning assets | 0.4135% | 4,315 |
| Net interest margin | 4.7319% | 305 |
| Noninterest income to average assets | 0.5925% | 2,068 |
| Noninterest expense to average assets | 3.4878% | 955 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6139% | 609 |
| Return on assets (ROA) | 1.6139% | 672 |
| Pretax return on assets | 1.6139% | 1,018 |
| Return on Equity (ROE) | 13.1369% | 857 |
| Retained earnings to average equity (ytd only) | 12.3950% | 384 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3657% | 2,608 |
| Assets per employee ($millions) | 5.2250% | 2,399 |
| Cash dividends to net income (ytd only)* | 5.6478% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 3,120 |
| Loan loss allowance to noncurrent loans | 112.1183% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 1,872 |
| Noncurrent loans to loans | 0.9932% | 1,662 |
| Net loans and leases to total assets | 71.3187% | 2,035 |
| Net loans and leases to deposits | 82.6547% | 2,365 |
| Net loans and leases to core deposits | 92.1609% | 2,136 |
| Total domestic deposits to total assets | 86.2851% | 1,878 |
| Equity capital to assets | 12.7764% | 1,562 |
| Core capital (leverage) ratio | 12.2953% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4239% | 1,077 |
| Memoranda: | ||
| Average total assets | $149,207,500 | 3,333 |
| Average earning assets | $142,184,000 | 3,279 |
| Average equity | $18,330,000 | 3,344 |
| Average total loans | $104,892,000 | 3,156 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6544% | 434 |
| Cost of funding earning assets | 0.3438% | 4,615 |
| Net interest margin | 5.3106% | 149 |
| Noninterest income to average assets | 0.5949% | 2,251 |
| Noninterest expense to average assets | 3.9671% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6756% | 698 |
| Return on assets (ROA) | 1.6756% | 745 |
| Pretax return on assets | 1.6756% | 1,254 |
| Return on Equity (ROE) | 14.0858% | 881 |
| Retained earnings to average equity (ytd only) | 9.2203% | 661 |
| Net charge-offs to loans | 0.1048% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 21.4286% | 1,890 |
| Efficiency ratio | 70.3044% | 2,127 |
| Assets per employee ($millions) | 5.4326% | 2,123 |
| Cash dividends to net income (ytd only)* | 34.5417% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 2,798 |
| Loan loss allowance to noncurrent loans | 153.3943% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 2,402 |
| Noncurrent loans to loans | 0.7346% | 2,043 |
| Net loans and leases to total assets | 67.7742% | 2,711 |
| Net loans and leases to deposits | 78.1471% | 2,988 |
| Net loans and leases to core deposits | 86.1184% | 2,782 |
| Total domestic deposits to total assets | 86.7264% | 1,746 |
| Equity capital to assets | 11.8122% | 2,273 |
| Core capital (leverage) ratio | 12.4487% | 1,515 |
| Tier 1 risk-based capital ratio | 17.0616% | 2,033 |
| Total risk-based capital ratio | 18.1912% | 2,016 |
| Memoranda: | ||
| Average total assets | $143,229,000 | 3,392 |
| Average earning assets | $136,141,800 | 3,339 |
| Average equity | $17,038,400 | 3,429 |
| Average total loans | $106,878,200 | 3,130 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9118% | 284 |
| Cost of funding earning assets | 0.3350% | 4,707 |
| Net interest margin | 5.5768% | 108 |
| Noninterest income to average assets | 0.5607% | 2,409 |
| Noninterest expense to average assets | 3.9846% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8646% | 547 |
| Return on assets (ROA) | 1.8646% | 568 |
| Pretax return on assets | 1.8646% | 948 |
| Return on Equity (ROE) | 15.6448% | 664 |
| Retained earnings to average equity (ytd only) | 9.3377% | 947 |
| Net charge-offs to loans | -0.0161% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1216% | 2,394 |
| Assets per employee ($millions) | 4.8839% | 2,681 |
| Cash dividends to net income (ytd only)* | 40.3142% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 2,616 |
| Loan loss allowance to noncurrent loans | 146.0674% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 2,058 |
| Noncurrent loans to loans | 0.8077% | 1,951 |
| Net loans and leases to total assets | 79.6254% | 897 |
| Net loans and leases to deposits | 92.1241% | 1,422 |
| Net loans and leases to core deposits | 101.5301% | 1,545 |
| Total domestic deposits to total assets | 86.4328% | 1,804 |
| Equity capital to assets | 12.8849% | 1,693 |
| Core capital (leverage) ratio | 12.2968% | 1,682 |
| Tier 1 risk-based capital ratio | 15.8807% | 2,479 |
| Total risk-based capital ratio | 17.0692% | 2,446 |
| Memoranda: | ||
| Average total assets | $141,007,750 | 3,454 |
| Average earning assets | $133,717,750 | 3,403 |
| Average equity | $16,806,000 | 3,480 |
| Average total loans | $107,530,500 | 3,159 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3240% | 774 |
| Cost of funding earning assets | 0.3203% | 4,768 |
| Net interest margin | 5.0036% | 289 |
| Noninterest income to average assets | 0.4929% | 2,715 |
| Noninterest expense to average assets | 3.8518% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3789% | 1,485 |
| Return on assets (ROA) | 1.3789% | 1,544 |
| Pretax return on assets | 1.3789% | 2,264 |
| Return on Equity (ROE) | 11.8781% | 1,623 |
| Retained earnings to average equity (ytd only) | 2.6611% | 3,873 |
| Net charge-offs to loans | -0.0244% | 4,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6376% | 1,682 |
| Assets per employee ($millions) | 5.0487% | 2,419 |
| Cash dividends to net income (ytd only)* | 77.5967% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,586 |
| Loan loss allowance to noncurrent loans | 45.6140% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 2.0161% | 460 |
| Noncurrent loans to loans | 2.6054% | 433 |
| Net loans and leases to total assets | 76.4627% | 1,478 |
| Net loans and leases to deposits | 87.6856% | 2,042 |
| Net loans and leases to core deposits | 95.2587% | 2,133 |
| Total domestic deposits to total assets | 87.2010% | 1,498 |
| Equity capital to assets | 11.7591% | 2,373 |
| Core capital (leverage) ratio | 11.7257% | 2,004 |
| Tier 1 risk-based capital ratio | 14.6513% | 2,994 |
| Total risk-based capital ratio | 15.8113% | 2,958 |
| Memoranda: | ||
| Average total assets | $142,427,330 | 3,454 |
| Average earning assets | $134,861,670 | 3,413 |
| Average equity | $16,534,670 | 3,513 |
| Average total loans | $106,645,000 | 3,189 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 877 |
| Cost of funding earning assets | 0.3006% | 4,844 |
| Net interest margin | 4.9165% | 331 |
| Noninterest income to average assets | 0.4113% | 3,102 |
| Noninterest expense to average assets | 3.7605% | 690 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3179% | 1,635 |
| Return on assets (ROA) | 1.3179% | 1,678 |
| Pretax return on assets | 1.3179% | 2,384 |
| Return on Equity (ROE) | 11.4248% | 1,770 |
| Retained earnings to average equity (ytd only) | 10.6000% | 903 |
| Net charge-offs to loans | -0.0494% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0496% | 1,752 |
| Assets per employee ($millions) | 5.3789% | 2,094 |
| Cash dividends to net income (ytd only)* | 7.2187% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,434 |
| Loan loss allowance to noncurrent loans | 54.2118% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.6512% | 675 |
| Noncurrent loans to loans | 2.2665% | 618 |
| Net loans and leases to total assets | 71.9574% | 2,169 |
| Net loans and leases to deposits | 82.1907% | 2,592 |
| Net loans and leases to core deposits | 89.4794% | 2,556 |
| Total domestic deposits to total assets | 87.5493% | 1,549 |
| Equity capital to assets | 11.5190% | 2,381 |
| Core capital (leverage) ratio | 11.6704% | 2,009 |
| Tier 1 risk-based capital ratio | 15.0037% | 2,888 |
| Total risk-based capital ratio | 16.1762% | 2,837 |
| Memoranda: | ||
| Average total assets | $142,959,500 | 3,488 |
| Average earning assets | $135,706,000 | 3,427 |
| Average equity | $16,490,500 | 3,535 |
| Average total loans | $105,272,500 | 3,235 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2015% | 698 |
| Cost of funding earning assets | 0.2393% | 4,857 |
| Net interest margin | 4.9622% | 287 |
| Noninterest income to average assets | 0.6268% | 2,161 |
| Noninterest expense to average assets | 3.7970% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5021% | 1,116 |
| Return on assets (ROA) | 1.5021% | 1,100 |
| Pretax return on assets | 1.5021% | 1,779 |
| Return on Equity (ROE) | 13.4769% | 1,180 |
| Retained earnings to average equity (ytd only) | 8.3712% | 1,095 |
| Net charge-offs to loans | -0.0401% | 4,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6544% | 1,951 |
| Assets per employee ($millions) | 5.2107% | 2,252 |
| Cash dividends to net income (ytd only)* | 37.8846% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,416 |
| Loan loss allowance to noncurrent loans | 64.8363% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.4109% | 858 |
| Noncurrent loans to loans | 1.8951% | 728 |
| Net loans and leases to total assets | 73.5340% | 2,007 |
| Net loans and leases to deposits | 84.6937% | 2,441 |
| Net loans and leases to core deposits | 91.8066% | 2,422 |
| Total domestic deposits to total assets | 86.8235% | 1,862 |
| Equity capital to assets | 11.5516% | 2,220 |
| Core capital (leverage) ratio | 11.3461% | 2,229 |
| Tier 1 risk-based capital ratio | 14.8735% | 2,892 |
| Total risk-based capital ratio | 16.0552% | 2,849 |
| Memoranda: | ||
| Average total assets | $138,476,400 | 3,528 |
| Average earning assets | $130,386,600 | 3,488 |
| Average equity | $15,433,800 | 3,582 |
| Average total loans | $102,321,400 | 3,256 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 767 |
| Cost of funding earning assets | 0.2212% | 4,934 |
| Net interest margin | 4.8720% | 331 |
| Noninterest income to average assets | 0.6806% | 1,937 |
| Noninterest expense to average assets | 3.8349% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4239% | 1,405 |
| Return on assets (ROA) | 1.4239% | 1,406 |
| Pretax return on assets | 1.4239% | 2,140 |
| Return on Equity (ROE) | 12.8959% | 1,474 |
| Retained earnings to average equity (ytd only) | 6.2947% | 2,494 |
| Net charge-offs to loans | -0.0537% | 4,958 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9228% | 1,742 |
| Assets per employee ($millions) | 5.1837% | 2,239 |
| Cash dividends to net income (ytd only)* | 51.1882% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 2,757 |
| Loan loss allowance to noncurrent loans | 64.8363% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4183% | 936 |
| Noncurrent loans to loans | 1.8157% | 846 |
| Net loans and leases to total assets | 77.1908% | 1,469 |
| Net loans and leases to deposits | 87.6504% | 2,199 |
| Net loans and leases to core deposits | 98.6459% | 1,892 |
| Total domestic deposits to total assets | 88.0667% | 1,215 |
| Equity capital to assets | 11.1352% | 2,529 |
| Core capital (leverage) ratio | 11.4879% | 2,174 |
| Tier 1 risk-based capital ratio | 13.8758% | 3,431 |
| Total risk-based capital ratio | 15.0182% | 3,396 |
| Memoranda: | ||
| Average total assets | $137,923,000 | 3,572 |
| Average earning assets | $129,609,000 | 3,533 |
| Average equity | $15,229,250 | 3,632 |
| Average total loans | $101,716,250 | 3,301 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 1,016 |
| Cost of funding earning assets | 0.2211% | 4,911 |
| Net interest margin | 4.6823% | 460 |
| Noninterest income to average assets | 0.7359% | 1,708 |
| Noninterest expense to average assets | 3.7743% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3436% | 1,624 |
| Return on assets (ROA) | 1.3436% | 1,630 |
| Pretax return on assets | 1.3436% | 2,348 |
| Return on Equity (ROE) | 12.2033% | 1,654 |
| Retained earnings to average equity (ytd only) | 2.6207% | 4,206 |
| Net charge-offs to loans | -0.0807% | 5,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7472% | 1,742 |
| Assets per employee ($millions) | 5.0185% | 2,395 |
| Cash dividends to net income (ytd only)* | 78.5249% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,269 |
| Loan loss allowance to noncurrent loans | 64.8363% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.4650% | 913 |
| Noncurrent loans to loans | 1.9743% | 765 |
| Net loans and leases to total assets | 73.2507% | 2,083 |
| Net loans and leases to deposits | 84.0979% | 2,524 |
| Net loans and leases to core deposits | 90.3632% | 2,543 |
| Total domestic deposits to total assets | 87.1017% | 1,800 |
| Equity capital to assets | 11.1351% | 2,520 |
| Core capital (leverage) ratio | 11.3407% | 2,211 |
| Tier 1 risk-based capital ratio | 14.3347% | 3,186 |
| Total risk-based capital ratio | 15.5554% | 3,130 |
| Memoranda: | ||
| Average total assets | $137,243,670 | 3,608 |
| Average earning assets | $128,440,670 | 3,575 |
| Average equity | $15,110,670 | 3,666 |
| Average total loans | $99,180,330 | 3,350 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 1,423 |
| Cost of funding earning assets | 0.2089% | 4,962 |
| Net interest margin | 4.4452% | 691 |
| Noninterest income to average assets | 0.7385% | 1,664 |
| Noninterest expense to average assets | 3.6839% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2453% | 1,830 |
| Return on assets (ROA) | 1.2453% | 1,840 |
| Pretax return on assets | 1.2453% | 2,578 |
| Return on Equity (ROE) | 11.3742% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.5806% | 998 |
| Net charge-offs to loans | -0.0203% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7356% | 1,791 |
| Assets per employee ($millions) | 5.0370% | 2,439 |
| Cash dividends to net income (ytd only)* | 6.9767% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 2,369 |
| Loan loss allowance to noncurrent loans | 63.0730% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.6463% | 809 |
| Noncurrent loans to loans | 2.0208% | 781 |
| Net loans and leases to total assets | 71.3064% | 2,281 |
| Net loans and leases to deposits | 81.3277% | 2,651 |
| Net loans and leases to core deposits | 88.9655% | 2,546 |
| Total domestic deposits to total assets | 87.6779% | 1,799 |
| Equity capital to assets | 11.2310% | 2,365 |
| Core capital (leverage) ratio | 11.2298% | 2,225 |
| Tier 1 risk-based capital ratio | 14.6902% | 3,031 |
| Total risk-based capital ratio | 15.8915% | 2,962 |
| Memoranda: | ||
| Average total assets | $138,116,000 | 3,632 |
| Average earning assets | $130,208,500 | 3,587 |
| Average equity | $15,122,000 | 3,690 |
| Average total loans | $98,500,000 | 3,389 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 919 |
| Cost of funding earning assets | 0.2331% | 4,703 |
| Net interest margin | 4.5985% | 503 |
| Noninterest income to average assets | 0.5007% | 2,995 |
| Noninterest expense to average assets | 3.6293% | 868 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1997% | 1,526 |
| Return on assets (ROA) | 1.1997% | 1,551 |
| Pretax return on assets | 1.1997% | 2,775 |
| Return on Equity (ROE) | 11.0856% | 1,443 |
| Retained earnings to average equity (ytd only) | 7.5181% | 915 |
| Net charge-offs to loans | -0.0271% | 5,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1562% | 1,746 |
| Assets per employee ($millions) | 5.3936% | 2,056 |
| Cash dividends to net income (ytd only)* | 32.1810% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,413 |
| Loan loss allowance to noncurrent loans | 60.8293% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.9731% | 573 |
| Noncurrent loans to loans | 2.0755% | 727 |
| Net loans and leases to total assets | 69.5450% | 2,595 |
| Net loans and leases to deposits | 78.6803% | 3,043 |
| Net loans and leases to core deposits | 91.1295% | 2,449 |
| Total domestic deposits to total assets | 88.3893% | 1,305 |
| Equity capital to assets | 10.6751% | 2,969 |
| Core capital (leverage) ratio | 10.5571% | 2,778 |
| Tier 1 risk-based capital ratio | 14.1474% | 3,283 |
| Total risk-based capital ratio | 15.3295% | 3,219 |
| Memoranda: | ||
| Average total assets | $132,616,000 | 3,702 |
| Average earning assets | $124,822,800 | 3,673 |
| Average equity | $14,352,000 | 3,799 |
| Average total loans | $96,015,600 | 3,416 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7973% | 931 |
| Cost of funding earning assets | 0.2339% | 4,718 |
| Net interest margin | 4.5634% | 524 |
| Noninterest income to average assets | 0.5070% | 2,994 |
| Noninterest expense to average assets | 3.6140% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1924% | 1,727 |
| Return on assets (ROA) | 1.1924% | 1,762 |
| Pretax return on assets | 1.1924% | 2,940 |
| Return on Equity (ROE) | 10.9782% | 1,710 |
| Retained earnings to average equity (ytd only) | 6.4517% | 1,984 |
| Net charge-offs to loans | -0.0364% | 5,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1910% | 1,707 |
| Assets per employee ($millions) | 5.0495% | 2,396 |
| Cash dividends to net income (ytd only)* | 41.2317% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,766 |
| Loan loss allowance to noncurrent loans | 62.8212% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.0581% | 615 |
| Noncurrent loans to loans | 1.9522% | 878 |
| Net loans and leases to total assets | 76.4979% | 1,499 |
| Net loans and leases to deposits | 87.1502% | 2,162 |
| Net loans and leases to core deposits | 97.3310% | 1,943 |
| Total domestic deposits to total assets | 87.7771% | 1,477 |
| Equity capital to assets | 11.1497% | 2,720 |
| Core capital (leverage) ratio | 11.1081% | 2,359 |
| Tier 1 risk-based capital ratio | 13.4397% | 3,740 |
| Total risk-based capital ratio | 14.5927% | 3,709 |
| Memoranda: | ||
| Average total assets | $130,711,750 | 3,776 |
| Average earning assets | $123,150,000 | 3,727 |
| Average equity | $14,197,500 | 3,858 |
| Average total loans | $95,326,500 | 3,456 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 1,117 |
| Cost of funding earning assets | 0.2346% | 4,687 |
| Net interest margin | 4.4357% | 654 |
| Noninterest income to average assets | 0.4766% | 3,172 |
| Noninterest expense to average assets | 3.5519% | 933 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0971% | 1,992 |
| Return on assets (ROA) | 1.0971% | 2,048 |
| Pretax return on assets | 1.0971% | 3,191 |
| Return on Equity (ROE) | 10.1917% | 1,952 |
| Retained earnings to average equity (ytd only) | 3.7578% | 3,453 |
| Net charge-offs to loans | -0.0558% | 5,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4008% | 1,656 |
| Assets per employee ($millions) | 4.9497% | 2,453 |
| Cash dividends to net income (ytd only)* | 63.1285% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,877 |
| Loan loss allowance to noncurrent loans | 62.8212% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 2.0996% | 588 |
| Noncurrent loans to loans | 1.9462% | 882 |
| Net loans and leases to total assets | 78.2861% | 1,201 |
| Net loans and leases to deposits | 88.8517% | 1,885 |
| Net loans and leases to core deposits | 98.2543% | 1,783 |
| Total domestic deposits to total assets | 88.1088% | 1,404 |
| Equity capital to assets | 11.0426% | 2,760 |
| Core capital (leverage) ratio | 11.0594% | 2,351 |
| Tier 1 risk-based capital ratio | 13.0310% | 3,978 |
| Total risk-based capital ratio | 14.1822% | 3,963 |
| Memoranda: | ||
| Average total assets | $130,520,330 | 3,798 |
| Average earning assets | $122,776,330 | 3,754 |
| Average equity | $14,050,670 | 3,884 |
| Average total loans | $93,209,330 | 3,506 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 1,930 |
| Cost of funding earning assets | 0.2423% | 4,604 |
| Net interest margin | 4.0682% | 1,304 |
| Noninterest income to average assets | 0.5417% | 2,699 |
| Noninterest expense to average assets | 3.2838% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0895% | 1,912 |
| Return on assets (ROA) | 1.0895% | 1,958 |
| Pretax return on assets | 1.0895% | 3,029 |
| Return on Equity (ROE) | 10.2502% | 1,848 |
| Retained earnings to average equity (ytd only) | 9.3626% | 964 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0870% | 2,055 |
| Assets per employee ($millions) | 5.0649% | 2,354 |
| Cash dividends to net income (ytd only)* | 8.6592% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 2,424 |
| Loan loss allowance to noncurrent loans | 61.5113% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 2.0518% | 640 |
| Noncurrent loans to loans | 2.1515% | 799 |
| Net loans and leases to total assets | 69.1346% | 2,510 |
| Net loans and leases to deposits | 79.0096% | 2,863 |
| Net loans and leases to core deposits | 91.6035% | 2,206 |
| Total domestic deposits to total assets | 87.5015% | 1,987 |
| Equity capital to assets | 10.7709% | 2,890 |
| Core capital (leverage) ratio | 10.7286% | 2,665 |
| Tier 1 risk-based capital ratio | 14.1258% | 3,399 |
| Total risk-based capital ratio | 15.3434% | 3,339 |
| Memoranda: | ||
| Average total assets | $131,434,500 | 3,820 |
| Average earning assets | $123,789,500 | 3,776 |
| Average equity | $13,970,500 | 3,926 |
| Average total loans | $88,816,500 | 3,624 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 2,009 |
| Cost of funding earning assets | 0.3046% | 4,021 |
| Net interest margin | 4.0369% | 1,537 |
| Noninterest income to average assets | 0.5429% | 2,961 |
| Noninterest expense to average assets | 3.4557% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8832% | 2,913 |
| Return on assets (ROA) | 0.8832% | 3,030 |
| Pretax return on assets | 0.8832% | 3,901 |
| Return on Equity (ROE) | 8.8715% | 2,486 |
| Retained earnings to average equity (ytd only) | 3.1328% | 3,676 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6439% | 1,463 |
| Assets per employee ($millions) | 5.0454% | 2,341 |
| Cash dividends to net income (ytd only)* | 64.6865% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 1,962 |
| Loan loss allowance to noncurrent loans | 61.5113% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 2.7656% | 396 |
| Noncurrent loans to loans | 2.3252% | 707 |
| Net loans and leases to total assets | 64.1472% | 3,338 |
| Net loans and leases to deposits | 73.0048% | 3,615 |
| Net loans and leases to core deposits | 86.0851% | 2,839 |
| Total domestic deposits to total assets | 87.8671% | 1,698 |
| Equity capital to assets | 10.4870% | 3,171 |
| Core capital (leverage) ratio | 9.8539% | 3,685 |
| Tier 1 risk-based capital ratio | 14.6293% | 3,132 |
| Total risk-based capital ratio | 15.8800% | 3,074 |
| Memoranda: | ||
| Average total assets | $137,223,800 | 3,714 |
| Average earning assets | $129,034,400 | 3,668 |
| Average equity | $13,661,800 | 3,997 |
| Average total loans | $90,212,800 | 3,572 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,136 |
| Cost of funding earning assets | 0.3076% | 4,013 |
| Net interest margin | 4.0017% | 1,646 |
| Noninterest income to average assets | 0.5084% | 3,192 |
| Noninterest expense to average assets | 3.4088% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8630% | 3,088 |
| Return on assets (ROA) | 0.8630% | 3,216 |
| Pretax return on assets | 0.8630% | 4,110 |
| Return on Equity (ROE) | 8.7791% | 2,618 |
| Retained earnings to average equity (ytd only) | 1.4078% | 4,948 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7975% | 1,458 |
| Assets per employee ($millions) | 5.6600% | 1,706 |
| Cash dividends to net income (ytd only)* | 83.9648% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 2,287 |
| Loan loss allowance to noncurrent loans | 50.0615% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 2.8855% | 415 |
| Noncurrent loans to loans | 2.7586% | 589 |
| Net loans and leases to total assets | 61.6223% | 3,674 |
| Net loans and leases to deposits | 69.4189% | 4,035 |
| Net loans and leases to core deposits | 84.4340% | 3,086 |
| Total domestic deposits to total assets | 88.7688% | 1,019 |
| Equity capital to assets | 9.7075% | 4,460 |
| Core capital (leverage) ratio | 10.1002% | 3,442 |
| Tier 1 risk-based capital ratio | 14.4035% | 3,331 |
| Total risk-based capital ratio | 15.6543% | 3,260 |
| Memoranda: | ||
| Average total assets | $138,734,500 | 3,714 |
| Average earning assets | $130,474,500 | 3,662 |
| Average equity | $13,638,000 | 4,031 |
| Average total loans | $91,423,500 | 3,565 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4368% | 1,719 |
| Cost of funding earning assets | 0.3191% | 3,905 |
| Net interest margin | 4.1177% | 1,324 |
| Noninterest income to average assets | 0.4180% | 3,761 |
| Noninterest expense to average assets | 3.3901% | 1,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9041% | 2,840 |
| Return on assets (ROA) | 0.9041% | 2,972 |
| Pretax return on assets | 0.9041% | 3,938 |
| Return on Equity (ROE) | 9.1582% | 2,427 |
| Retained earnings to average equity (ytd only) | -1.4847% | 5,491 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9456% | 1,647 |
| Assets per employee ($millions) | 5.0246% | 2,272 |
| Cash dividends to net income (ytd only)* | 116.2119% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 2,684 |
| Loan loss allowance to noncurrent loans | 61.5113% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.7939% | 453 |
| Noncurrent loans to loans | 2.1437% | 900 |
| Net loans and leases to total assets | 69.9449% | 2,492 |
| Net loans and leases to deposits | 79.8065% | 2,952 |
| Net loans and leases to core deposits | 91.7384% | 2,368 |
| Total domestic deposits to total assets | 87.6431% | 1,605 |
| Equity capital to assets | 10.3422% | 3,808 |
| Core capital (leverage) ratio | 10.0756% | 3,481 |
| Tier 1 risk-based capital ratio | 13.7393% | 3,749 |
| Total risk-based capital ratio | 14.9910% | 3,672 |
| Memoranda: | ||
| Average total assets | $137,813,000 | 3,754 |
| Average earning assets | $129,732,670 | 3,698 |
| Average equity | $13,605,330 | 4,055 |
| Average total loans | $92,426,000 | 3,558 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 2,173 |
| Cost of funding earning assets | 0.3331% | 3,798 |
| Net interest margin | 3.9542% | 1,770 |
| Noninterest income to average assets | 0.4017% | 3,815 |
| Noninterest expense to average assets | 3.2871% | 1,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8091% | 3,192 |
| Return on assets (ROA) | 0.8091% | 3,317 |
| Pretax return on assets | 0.8091% | 4,165 |
| Return on Equity (ROE) | 8.3794% | 2,715 |
| Retained earnings to average equity (ytd only) | 7.5005% | 1,664 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2486% | 1,575 |
| Assets per employee ($millions) | 5.2315% | 2,104 |
| Cash dividends to net income (ytd only)* | 10.4895% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 2,804 |
| Loan loss allowance to noncurrent loans | 61.5113% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 2.9327% | 437 |
| Noncurrent loans to loans | 2.1451% | 969 |
| Net loans and leases to total assets | 67.1352% | 2,791 |
| Net loans and leases to deposits | 76.6942% | 3,142 |
| Net loans and leases to core deposits | 84.7567% | 2,868 |
| Total domestic deposits to total assets | 87.5362% | 1,907 |
| Equity capital to assets | 10.1376% | 3,910 |
| Core capital (leverage) ratio | 10.1130% | 3,411 |
| Tier 1 risk-based capital ratio | 14.2230% | 3,550 |
| Total risk-based capital ratio | 15.4728% | 3,479 |
| Memoranda: | ||
| Average total assets | $141,399,500 | 3,715 |
| Average earning assets | $132,112,000 | 3,684 |
| Average equity | $13,652,500 | 4,051 |
| Average total loans | $92,340,500 | 3,565 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9507% | 685 |
| Cost of funding earning assets | 0.3505% | 3,696 |
| Net interest margin | 4.6002% | 545 |
| Noninterest income to average assets | 0.7813% | 1,858 |
| Noninterest expense to average assets | 3.8494% | 814 |
| Loan and lease loss provision to assets | 0.0711% | 2,854 |
| Net operating income to assets | 1.1423% | 1,755 |
| Return on assets (ROA) | 1.1423% | 1,827 |
| Pretax return on assets | 1.1423% | 2,874 |
| Return on Equity (ROE) | 11.0026% | 1,613 |
| Retained earnings to average equity (ytd only) | 5.6458% | 1,986 |
| Net charge-offs to loans | 0.0768% | 2,727 |
| Credit loss provision to net charge-offs | 121.6216% | 2,122 |
| Earnings coverage of net charge-offs (x) | 20.7568% | 1,858 |
| Efficiency ratio | 76.0337% | 2,262 |
| Assets per employee ($millions) | 5.4363% | 1,868 |
| Cash dividends to net income (ytd only)* | 48.6860% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 2,776 |
| Loan loss allowance to noncurrent loans | 480.7087% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3782% | 1,522 |
| Noncurrent loans to loans | 0.2757% | 4,470 |
| Net loans and leases to total assets | 61.9447% | 3,569 |
| Net loans and leases to deposits | 70.4174% | 3,877 |
| Net loans and leases to core deposits | 78.1824% | 3,526 |
| Total domestic deposits to total assets | 87.9678% | 1,648 |
| Equity capital to assets | 9.2083% | 4,893 |
| Core capital (leverage) ratio | 9.3120% | 4,454 |
| Tier 1 risk-based capital ratio | 14.3169% | 3,540 |
| Total risk-based capital ratio | 15.5681% | 3,454 |
| Memoranda: | ||
| Average total assets | $126,590,200 | 3,952 |
| Average earning assets | $117,821,600 | 3,931 |
| Average equity | $13,142,400 | 4,109 |
| Average total loans | $96,410,000 | 3,449 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2433% | 412 |
| Cost of funding earning assets | 0.3445% | 3,817 |
| Net interest margin | 4.8988% | 310 |
| Noninterest income to average assets | 0.9160% | 1,410 |
| Noninterest expense to average assets | 4.1071% | 585 |
| Loan and lease loss provision to assets | 0.0987% | 2,204 |
| Net operating income to assets | 1.2495% | 1,486 |
| Return on assets (ROA) | 1.2495% | 1,541 |
| Pretax return on assets | 1.2495% | 2,603 |
| Return on Equity (ROE) | 11.6379% | 1,484 |
| Retained earnings to average equity (ytd only) | 4.7410% | 3,099 |
| Net charge-offs to loans | 0.1012% | 2,133 |
| Credit loss provision to net charge-offs | 121.6216% | 1,959 |
| Earnings coverage of net charge-offs (x) | 16.6089% | 2,105 |
| Efficiency ratio | 75.2865% | 2,354 |
| Assets per employee ($millions) | 4.7474% | 2,626 |
| Cash dividends to net income (ytd only)* | 59.2626% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 3,383 |
| Loan loss allowance to noncurrent loans | 480.7087% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 1.5782% | 1,417 |
| Noncurrent loans to loans | 0.2597% | 4,648 |
| Net loans and leases to total assets | 75.3573% | 1,481 |
| Net loans and leases to deposits | 86.7028% | 2,063 |
| Net loans and leases to core deposits | 94.8422% | 1,994 |
| Total domestic deposits to total assets | 86.9145% | 2,086 |
| Equity capital to assets | 10.3643% | 3,740 |
| Core capital (leverage) ratio | 10.4899% | 3,060 |
| Tier 1 risk-based capital ratio | 13.4083% | 4,190 |
| Total risk-based capital ratio | 14.6543% | 4,117 |
| Memoranda: | ||
| Average total assets | $121,542,500 | 4,090 |
| Average earning assets | $112,622,750 | 4,070 |
| Average equity | $13,049,000 | 4,172 |
| Average total loans | $97,476,500 | 3,457 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 359 |
| Cost of funding earning assets | 0.3323% | 4,023 |
| Net interest margin | 4.9768% | 258 |
| Noninterest income to average assets | 0.9620% | 1,271 |
| Noninterest expense to average assets | 4.1163% | 599 |
| Loan and lease loss provision to assets | 0.0503% | 3,113 |
| Net operating income to assets | 1.3894% | 1,114 |
| Return on assets (ROA) | 1.3894% | 1,149 |
| Pretax return on assets | 1.3894% | 2,021 |
| Return on Equity (ROE) | 12.7830% | 1,162 |
| Retained earnings to average equity (ytd only) | 2.8989% | 4,195 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0875% | 2,664 |
| Assets per employee ($millions) | 4.8532% | 2,469 |
| Cash dividends to net income (ytd only)* | 77.3221% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 3,562 |
| Loan loss allowance to noncurrent loans | 334.6883% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 1.7283% | 1,369 |
| Noncurrent loans to loans | 0.3706% | 4,381 |
| Net loans and leases to total assets | 81.0527% | 663 |
| Net loans and leases to deposits | 94.8762% | 1,060 |
| Net loans and leases to core deposits | 104.1858% | 1,174 |
| Total domestic deposits to total assets | 85.4299% | 2,954 |
| Equity capital to assets | 10.6815% | 3,234 |
| Core capital (leverage) ratio | 11.0154% | 2,406 |
| Tier 1 risk-based capital ratio | 13.1170% | 4,447 |
| Total risk-based capital ratio | 14.3690% | 4,362 |
| Memoranda: | ||
| Average total assets | $119,330,000 | 4,169 |
| Average earning assets | $110,150,000 | 4,151 |
| Average equity | $12,970,330 | 4,219 |
| Average total loans | $97,364,000 | 3,484 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3630% | 319 |
| Cost of funding earning assets | 0.3255% | 4,160 |
| Net interest margin | 5.0376% | 237 |
| Noninterest income to average assets | 0.6828% | 2,241 |
| Noninterest expense to average assets | 3.9787% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3082% | 1,248 |
| Return on assets (ROA) | 1.3082% | 1,337 |
| Pretax return on assets | 1.3082% | 2,253 |
| Return on Equity (ROE) | 11.9302% | 1,369 |
| Retained earnings to average equity (ytd only) | 10.8820% | 736 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2558% | 2,619 |
| Assets per employee ($millions) | 5.1858% | 2,128 |
| Cash dividends to net income (ytd only)* | 8.7855% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 3,822 |
| Loan loss allowance to noncurrent loans | 156.6970% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 2.0935% | 1,109 |
| Noncurrent loans to loans | 0.7803% | 3,302 |
| Net loans and leases to total assets | 81.6146% | 503 |
| Net loans and leases to deposits | 96.8906% | 775 |
| Net loans and leases to core deposits | 102.9953% | 1,117 |
| Total domestic deposits to total assets | 84.2338% | 3,718 |
| Equity capital to assets | 11.0435% | 2,928 |
| Core capital (leverage) ratio | 11.4760% | 2,014 |
| Tier 1 risk-based capital ratio | 13.3659% | 4,385 |
| Total risk-based capital ratio | 14.6023% | 4,310 |
| Memoranda: | ||
| Average total assets | $118,329,500 | 4,217 |
| Average earning assets | $108,147,500 | 4,213 |
| Average equity | $12,975,500 | 4,241 |
| Average total loans | $96,257,500 | 3,517 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3251% | 431 |
| Cost of funding earning assets | 0.3420% | 4,344 |
| Net interest margin | 4.9831% | 316 |
| Noninterest income to average assets | 0.7809% | 1,948 |
| Noninterest expense to average assets | 3.9710% | 778 |
| Loan and lease loss provision to assets | 0.2162% | 1,150 |
| Net operating income to assets | 1.2258% | 1,511 |
| Return on assets (ROA) | 1.2258% | 1,564 |
| Pretax return on assets | 1.2258% | 2,544 |
| Return on Equity (ROE) | 11.2557% | 1,634 |
| Retained earnings to average equity (ytd only) | 8.6424% | 786 |
| Net charge-offs to loans | 0.0690% | 3,491 |
| Credit loss provision to net charge-offs | 375.0000% | 696 |
| Earnings coverage of net charge-offs (x) | 25.0156% | 1,511 |
| Efficiency ratio | 73.3611% | 2,953 |
| Assets per employee ($millions) | 4.6954% | 2,731 |
| Cash dividends to net income (ytd only)* | 23.2182% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 3,529 |
| Loan loss allowance to noncurrent loans | 233.9806% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 2.2166% | 1,097 |
| Noncurrent loans to loans | 0.5481% | 4,021 |
| Net loans and leases to total assets | 79.0220% | 884 |
| Net loans and leases to deposits | 91.6012% | 1,327 |
| Net loans and leases to core deposits | 100.7713% | 1,339 |
| Total domestic deposits to total assets | 86.2674% | 2,692 |
| Equity capital to assets | 10.8864% | 3,030 |
| Core capital (leverage) ratio | 11.2268% | 2,193 |
| Tier 1 risk-based capital ratio | 13.4915% | 4,421 |
| Total risk-based capital ratio | 14.7422% | 4,359 |
| Memoranda: | ||
| Average total assets | $111,030,200 | 4,364 |
| Average earning assets | $103,209,600 | 4,324 |
| Average equity | $12,091,600 | 4,342 |
| Average total loans | $92,749,800 | 3,569 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3403% | 419 |
| Cost of funding earning assets | 0.3426% | 4,427 |
| Net interest margin | 4.9977% | 300 |
| Noninterest income to average assets | 0.7346% | 2,160 |
| Noninterest expense to average assets | 4.0325% | 729 |
| Loan and lease loss provision to assets | 0.2315% | 952 |
| Net operating income to assets | 1.1086% | 1,992 |
| Return on assets (ROA) | 1.1086% | 2,055 |
| Pretax return on assets | 1.1086% | 3,153 |
| Return on Equity (ROE) | 10.1789% | 2,128 |
| Retained earnings to average equity (ytd only) | 7.0246% | 1,810 |
| Net charge-offs to loans | 0.0231% | 4,050 |
| Credit loss provision to net charge-offs | 1,187.5000% | 290 |
| Earnings coverage of net charge-offs (x) | 68.7590% | 785 |
| Efficiency ratio | 75.0567% | 2,655 |
| Assets per employee ($millions) | 4.4402% | 3,067 |
| Cash dividends to net income (ytd only)* | 30.9890% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 3,841 |
| Loan loss allowance to noncurrent loans | 212.1693% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 2.4071% | 1,116 |
| Noncurrent loans to loans | 0.5968% | 4,141 |
| Net loans and leases to total assets | 84.5008% | 303 |
| Net loans and leases to deposits | 97.9021% | 743 |
| Net loans and leases to core deposits | 109.5269% | 764 |
| Total domestic deposits to total assets | 86.3116% | 2,696 |
| Equity capital to assets | 11.1408% | 2,827 |
| Core capital (leverage) ratio | 11.0571% | 2,428 |
| Tier 1 risk-based capital ratio | 13.2218% | 4,717 |
| Total risk-based capital ratio | 14.4728% | 4,652 |
| Memoranda: | ||
| Average total assets | $109,441,500 | 4,433 |
| Average earning assets | $101,564,250 | 4,401 |
| Average equity | $11,919,750 | 4,399 |
| Average total loans | $92,446,000 | 3,614 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2676% | 456 |
| Cost of funding earning assets | 0.3448% | 4,483 |
| Net interest margin | 4.9228% | 333 |
| Noninterest income to average assets | 0.8483% | 1,668 |
| Noninterest expense to average assets | 4.1517% | 633 |
| Loan and lease loss provision to assets | 0.2571% | 838 |
| Net operating income to assets | 1.0007% | 2,321 |
| Return on assets (ROA) | 1.0007% | 2,388 |
| Pretax return on assets | 1.0007% | 3,475 |
| Return on Equity (ROE) | 9.2603% | 2,476 |
| Retained earnings to average equity (ytd only) | 5.0464% | 2,933 |
| Net charge-offs to loans | 0.0480% | 3,292 |
| Credit loss provision to net charge-offs | 636.3636% | 478 |
| Earnings coverage of net charge-offs (x) | 31.1364% | 1,225 |
| Efficiency ratio | 76.7481% | 2,496 |
| Assets per employee ($millions) | 4.4598% | 2,988 |
| Cash dividends to net income (ytd only)* | 45.5046% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 4,283 |
| Loan loss allowance to noncurrent loans | 188.6513% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 2.4091% | 1,195 |
| Noncurrent loans to loans | 0.6513% | 4,077 |
| Net loans and leases to total assets | 82.7034% | 402 |
| Net loans and leases to deposits | 100.0347% | 558 |
| Net loans and leases to core deposits | 112.6282% | 582 |
| Total domestic deposits to total assets | 82.6747% | 4,424 |
| Equity capital to assets | 10.7887% | 3,104 |
| Core capital (leverage) ratio | 10.9172% | 2,509 |
| Tier 1 risk-based capital ratio | 12.9035% | 4,972 |
| Total risk-based capital ratio | 14.1441% | 4,916 |
| Memoranda: | ||
| Average total assets | $108,920,000 | 4,467 |
| Average earning assets | $100,918,000 | 4,446 |
| Average equity | $11,770,670 | 4,441 |
| Average total loans | $91,593,330 | 3,651 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2346% | 458 |
| Cost of funding earning assets | 0.3317% | 4,724 |
| Net interest margin | 4.9030% | 320 |
| Noninterest income to average assets | 0.3791% | 4,356 |
| Noninterest expense to average assets | 3.8427% | 929 |
| Loan and lease loss provision to assets | 0.2973% | 653 |
| Net operating income to assets | 0.7990% | 3,160 |
| Return on assets (ROA) | 0.7990% | 3,238 |
| Pretax return on assets | 0.7990% | 4,121 |
| Return on Equity (ROE) | 7.3874% | 3,263 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,544 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8029% | 2,500 |
| Assets per employee ($millions) | 4.5024% | 2,973 |
| Cash dividends to net income (ytd only)* | 100.0000% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 4,614 |
| Loan loss allowance to noncurrent loans | 146.4993% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 2.4950% | 1,279 |
| Noncurrent loans to loans | 0.8224% | 3,827 |
| Net loans and leases to total assets | 84.1602% | 227 |
| Net loans and leases to deposits | 98.0538% | 539 |
| Net loans and leases to core deposits | 110.5021% | 568 |
| Total domestic deposits to total assets | 85.8306% | 3,444 |
| Equity capital to assets | 10.8100% | 2,928 |
| Core capital (leverage) ratio | 10.7947% | 2,606 |
| Tier 1 risk-based capital ratio | 12.7123% | 5,183 |
| Total risk-based capital ratio | 13.9243% | 5,140 |
| Memoranda: | ||
| Average total assets | $107,632,000 | 4,541 |
| Average earning assets | $100,102,500 | 4,507 |
| Average equity | $11,641,500 | 4,484 |
| Average total loans | $90,711,000 | 3,686 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1283% | 733 |
| Cost of funding earning assets | 0.4469% | 4,146 |
| Net interest margin | 4.6813% | 529 |
| Noninterest income to average assets | 0.7523% | 2,282 |
| Noninterest expense to average assets | 4.0519% | 825 |
| Loan and lease loss provision to assets | 0.2983% | 1,134 |
| Net operating income to assets | 0.7341% | 3,640 |
| Return on assets (ROA) | 0.7341% | 3,718 |
| Pretax return on assets | 0.7341% | 4,402 |
| Return on Equity (ROE) | 6.3483% | 3,898 |
| Retained earnings to average equity (ytd only) | 5.4651% | 2,298 |
| Net charge-offs to loans | 0.1304% | 3,508 |
| Credit loss provision to net charge-offs | 292.0792% | 778 |
| Earnings coverage of net charge-offs (x) | 10.1089% | 2,416 |
| Efficiency ratio | 79.6937% | 2,204 |
| Assets per employee ($millions) | 4.4670% | 2,959 |
| Cash dividends to net income (ytd only)* | 13.9118% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 4,905 |
| Loan loss allowance to noncurrent loans | 110.1713% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 2.6799% | 1,253 |
| Noncurrent loans to loans | 1.0451% | 3,419 |
| Net loans and leases to total assets | 82.4041% | 373 |
| Net loans and leases to deposits | 94.7043% | 821 |
| Net loans and leases to core deposits | 111.9414% | 541 |
| Total domestic deposits to total assets | 87.0120% | 2,721 |
| Equity capital to assets | 10.8221% | 2,794 |
| Core capital (leverage) ratio | 11.1985% | 2,198 |
| Tier 1 risk-based capital ratio | 13.0755% | 4,925 |
| Total risk-based capital ratio | 14.2328% | 4,936 |
| Memoranda: | ||
| Average total assets | $98,891,200 | 4,766 |
| Average earning assets | $91,512,600 | 4,731 |
| Average equity | $11,436,200 | 4,553 |
| Average total loans | $77,439,000 | 4,011 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1337% | 734 |
| Cost of funding earning assets | 0.4825% | 3,940 |
| Net interest margin | 4.6511% | 565 |
| Noninterest income to average assets | 0.8663% | 1,869 |
| Noninterest expense to average assets | 4.0256% | 832 |
| Loan and lease loss provision to assets | 0.3099% | 1,091 |
| Net operating income to assets | 0.8318% | 3,183 |
| Return on assets (ROA) | 0.8318% | 3,310 |
| Pretax return on assets | 0.8318% | 4,178 |
| Return on Equity (ROE) | 7.0674% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.2834% | 2,241 |
| Net charge-offs to loans | 0.2203% | 2,493 |
| Credit loss provision to net charge-offs | 182.9268% | 1,325 |
| Earnings coverage of net charge-offs (x) | 6.7397% | 2,915 |
| Efficiency ratio | 77.9051% | 2,440 |
| Assets per employee ($millions) | 4.2530% | 3,323 |
| Cash dividends to net income (ytd only)* | 11.0926% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 5,060 |
| Loan loss allowance to noncurrent loans | 147.3270% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 2.7040% | 1,394 |
| Noncurrent loans to loans | 0.7889% | 4,268 |
| Net loans and leases to total assets | 78.0655% | 736 |
| Net loans and leases to deposits | 88.9289% | 1,277 |
| Net loans and leases to core deposits | 95.1973% | 1,454 |
| Total domestic deposits to total assets | 87.7841% | 2,258 |
| Equity capital to assets | 11.3146% | 2,458 |
| Core capital (leverage) ratio | 12.5775% | 1,380 |
| Tier 1 risk-based capital ratio | 13.8908% | 4,505 |
| Total risk-based capital ratio | 15.0199% | 4,546 |
| Memoranda: | ||
| Average total assets | $96,812,250 | 4,859 |
| Average earning assets | $89,524,750 | 4,828 |
| Average equity | $11,394,750 | 4,609 |
| Average total loans | $74,455,750 | 4,130 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 1,046 |
| Cost of funding earning assets | 0.5119% | 3,790 |
| Net interest margin | 4.4099% | 830 |
| Noninterest income to average assets | 1.1046% | 1,242 |
| Noninterest expense to average assets | 4.1006% | 773 |
| Loan and lease loss provision to assets | 0.2314% | 1,616 |
| Net operating income to assets | 0.9047% | 2,766 |
| Return on assets (ROA) | 0.9047% | 2,908 |
| Pretax return on assets | 0.9047% | 3,893 |
| Return on Equity (ROE) | 7.5815% | 3,301 |
| Retained earnings to average equity (ytd only) | 6.9997% | 1,893 |
| Net charge-offs to loans | 0.2845% | 2,059 |
| Credit loss provision to net charge-offs | 106.7961% | 2,076 |
| Earnings coverage of net charge-offs (x) | 5.2427% | 2,937 |
| Efficiency ratio | 78.3045% | 2,407 |
| Assets per employee ($millions) | 4.1072% | 3,565 |
| Cash dividends to net income (ytd only)* | 7.6744% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 5,263 |
| Loan loss allowance to noncurrent loans | 69.0984% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 3.2637% | 1,213 |
| Noncurrent loans to loans | 1.6562% | 2,831 |
| Net loans and leases to total assets | 80.5894% | 478 |
| Net loans and leases to deposits | 94.3887% | 784 |
| Net loans and leases to core deposits | 102.1204% | 932 |
| Total domestic deposits to total assets | 85.3804% | 3,712 |
| Equity capital to assets | 12.6818% | 1,478 |
| Core capital (leverage) ratio | 12.6552% | 1,305 |
| Tier 1 risk-based capital ratio | 15.3055% | 3,595 |
| Total risk-based capital ratio | 16.4395% | 3,618 |
| Memoranda: | ||
| Average total assets | $95,059,000 | 4,935 |
| Average earning assets | $89,072,000 | 4,869 |
| Average equity | $11,343,330 | 4,653 |
| Average total loans | $72,401,000 | 4,230 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8923% | 1,106 |
| Cost of funding earning assets | 0.5694% | 3,388 |
| Net interest margin | 4.3229% | 924 |
| Noninterest income to average assets | 1.3346% | 864 |
| Noninterest expense to average assets | 3.7861% | 1,131 |
| Loan and lease loss provision to assets | 0.3696% | 867 |
| Net operating income to assets | 1.2319% | 1,429 |
| Return on assets (ROA) | 1.2319% | 1,540 |
| Pretax return on assets | 1.2319% | 2,462 |
| Return on Equity (ROE) | 10.6331% | 1,823 |
| Retained earnings to average equity (ytd only) | 10.6331% | 952 |
| Net charge-offs to loans | 0.4124% | 1,420 |
| Credit loss provision to net charge-offs | 121.6216% | 1,581 |
| Earnings coverage of net charge-offs (x) | 5.2703% | 2,387 |
| Efficiency ratio | 70.2744% | 3,924 |
| Assets per employee ($millions) | 4.0243% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 5,198 |
| Loan loss allowance to noncurrent loans | 70.7987% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 3.4195% | 1,259 |
| Noncurrent loans to loans | 1.6905% | 3,009 |
| Net loans and leases to total assets | 75.8994% | 854 |
| Net loans and leases to deposits | 86.8143% | 1,267 |
| Net loans and leases to core deposits | 95.5679% | 1,225 |
| Total domestic deposits to total assets | 87.4273% | 2,671 |
| Equity capital to assets | 12.3577% | 1,797 |
| Core capital (leverage) ratio | 11.9582% | 1,594 |
| Tier 1 risk-based capital ratio | 15.8871% | 3,328 |
| Total risk-based capital ratio | 17.0854% | 3,319 |
| Memoranda: | ||
| Average total assets | $97,409,500 | 4,917 |
| Average earning assets | $91,328,000 | 4,858 |
| Average equity | $11,285,500 | 4,719 |
| Average total loans | $71,770,500 | 4,277 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0734% | 1,370 |
| Cost of funding earning assets | 0.8913% | 1,986 |
| Net interest margin | 4.1822% | 1,708 |
| Noninterest income to average assets | 0.6213% | 3,158 |
| Noninterest expense to average assets | 3.6602% | 1,485 |
| Loan and lease loss provision to assets | 0.3474% | 1,924 |
| Net operating income to assets | 0.5262% | 4,572 |
| Return on assets (ROA) | 0.5262% | 4,842 |
| Pretax return on assets | 0.5262% | 5,203 |
| Return on Equity (ROE) | 4.6874% | 4,839 |
| Retained earnings to average equity (ytd only) | 1.6201% | 5,056 |
| Net charge-offs to loans | 0.7609% | 1,539 |
| Credit loss provision to net charge-offs | 62.0438% | 4,393 |
| Earnings coverage of net charge-offs (x) | 1.5602% | 4,662 |
| Efficiency ratio | 80.7302% | 2,047 |
| Assets per employee ($millions) | 4.6482% | 2,706 |
| Cash dividends to net income (ytd only)* | 65.4369% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 5,334 |
| Loan loss allowance to noncurrent loans | 66.6933% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 2.9787% | 1,592 |
| Noncurrent loans to loans | 1.7284% | 3,019 |
| Net loans and leases to total assets | 70.0208% | 1,835 |
| Net loans and leases to deposits | 78.7931% | 2,424 |
| Net loans and leases to core deposits | 89.2896% | 1,925 |
| Total domestic deposits to total assets | 88.8667% | 1,663 |
| Equity capital to assets | 10.8868% | 3,079 |
| Core capital (leverage) ratio | 11.0712% | 2,197 |
| Tier 1 risk-based capital ratio | 15.1677% | 3,629 |
| Total risk-based capital ratio | 16.3208% | 3,631 |
| Memoranda: | ||
| Average total assets | $97,863,400 | 4,893 |
| Average earning assets | $91,555,400 | 4,822 |
| Average equity | $10,986,800 | 4,766 |
| Average total loans | $72,018,600 | 4,277 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1797% | 1,239 |
| Cost of funding earning assets | 0.9144% | 2,077 |
| Net interest margin | 4.2653% | 1,564 |
| Noninterest income to average assets | 0.6531% | 2,980 |
| Noninterest expense to average assets | 3.7217% | 1,335 |
| Loan and lease loss provision to assets | 0.3651% | 1,782 |
| Net operating income to assets | 0.5512% | 4,619 |
| Return on assets (ROA) | 0.5512% | 4,875 |
| Pretax return on assets | 0.5512% | 5,298 |
| Return on Equity (ROE) | 4.8704% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.3484% | 4,511 |
| Net charge-offs to loans | 1.0160% | 1,048 |
| Credit loss provision to net charge-offs | 48.3577% | 4,437 |
| Earnings coverage of net charge-offs (x) | 1.2135% | 4,690 |
| Efficiency ratio | 80.2436% | 2,062 |
| Assets per employee ($millions) | 4.5106% | 2,893 |
| Cash dividends to net income (ytd only)* | 31.2495% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 5,720 |
| Loan loss allowance to noncurrent loans | 105.8496% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 2.5576% | 2,063 |
| Noncurrent loans to loans | 1.0390% | 4,364 |
| Net loans and leases to total assets | 68.8705% | 2,140 |
| Net loans and leases to deposits | 77.7995% | 2,692 |
| Net loans and leases to core deposits | 90.3303% | 1,948 |
| Total domestic deposits to total assets | 88.5231% | 1,710 |
| Equity capital to assets | 11.3016% | 2,932 |
| Core capital (leverage) ratio | 11.7948% | 1,773 |
| Tier 1 risk-based capital ratio | 15.7674% | 3,394 |
| Total risk-based capital ratio | 16.8502% | 3,449 |
| Memoranda: | ||
| Average total assets | $96,764,000 | 4,968 |
| Average earning assets | $90,402,500 | 4,897 |
| Average equity | $10,950,250 | 4,816 |
| Average total loans | $71,913,500 | 4,327 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2784% | 1,093 |
| Cost of funding earning assets | 0.9303% | 2,182 |
| Net interest margin | 4.3481% | 1,344 |
| Noninterest income to average assets | 0.6108% | 3,189 |
| Noninterest expense to average assets | 3.7878% | 1,235 |
| Loan and lease loss provision to assets | 0.3335% | 1,973 |
| Net operating income to assets | 0.5524% | 4,572 |
| Return on assets (ROA) | 0.5524% | 4,853 |
| Pretax return on assets | 0.5524% | 5,302 |
| Return on Equity (ROE) | 4.8794% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.4064% | 4,332 |
| Net charge-offs to loans | 1.1229% | 967 |
| Credit loss provision to net charge-offs | 39.1198% | 4,280 |
| Earnings coverage of net charge-offs (x) | 1.0391% | 4,501 |
| Efficiency ratio | 81.0437% | 2,021 |
| Assets per employee ($millions) | 4.4064% | 3,080 |
| Cash dividends to net income (ytd only)* | 30.1887% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 5,885 |
| Loan loss allowance to noncurrent loans | 155.6863% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 2.9430% | 1,873 |
| Noncurrent loans to loans | 0.6894% | 5,126 |
| Net loans and leases to total assets | 75.4933% | 1,034 |
| Net loans and leases to deposits | 86.7921% | 1,505 |
| Net loans and leases to core deposits | 100.3290% | 1,076 |
| Total domestic deposits to total assets | 86.9818% | 2,772 |
| Equity capital to assets | 11.4822% | 2,613 |
| Core capital (leverage) ratio | 11.8001% | 1,724 |
| Tier 1 risk-based capital ratio | 14.7289% | 3,948 |
| Total risk-based capital ratio | 15.7936% | 4,035 |
| Memoranda: | ||
| Average total assets | $95,940,670 | 5,007 |
| Average earning assets | $89,648,000 | 4,950 |
| Average equity | $10,862,000 | 4,842 |
| Average total loans | $72,850,330 | 4,317 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3128% | 1,071 |
| Cost of funding earning assets | 0.9318% | 2,427 |
| Net interest margin | 4.3811% | 1,270 |
| Noninterest income to average assets | 0.6706% | 2,813 |
| Noninterest expense to average assets | 3.7552% | 1,292 |
| Loan and lease loss provision to assets | 0.5658% | 1,026 |
| Net operating income to assets | 0.4484% | 5,041 |
| Return on assets (ROA) | 0.4484% | 5,234 |
| Pretax return on assets | 0.4484% | 5,587 |
| Return on Equity (ROE) | 3.9897% | 5,297 |
| Retained earnings to average equity (ytd only) | 2.6474% | 4,935 |
| Net charge-offs to loans | 2.2466% | 394 |
| Credit loss provision to net charge-offs | 33.2512% | 3,571 |
| Earnings coverage of net charge-offs (x) | 0.5961% | 4,038 |
| Efficiency ratio | 78.7346% | 2,395 |
| Assets per employee ($millions) | 4.0943% | 3,815 |
| Cash dividends to net income (ytd only)* | 33.6449% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 6,067 |
| Loan loss allowance to noncurrent loans | 123.3227% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 3.3355% | 1,727 |
| Noncurrent loans to loans | 0.8538% | 4,965 |
| Net loans and leases to total assets | 77.0413% | 693 |
| Net loans and leases to deposits | 87.4548% | 1,235 |
| Net loans and leases to core deposits | 99.2557% | 1,036 |
| Total domestic deposits to total assets | 88.0927% | 2,255 |
| Equity capital to assets | 11.6737% | 2,281 |
| Core capital (leverage) ratio | 11.6026% | 1,832 |
| Tier 1 risk-based capital ratio | 14.5219% | 4,091 |
| Total risk-based capital ratio | 15.5535% | 4,212 |
| Memoranda: | ||
| Average total assets | $95,440,500 | 5,048 |
| Average earning assets | $89,293,000 | 4,987 |
| Average equity | $10,727,500 | 4,881 |
| Average total loans | $72,286,500 | 4,371 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4679% | 1,248 |
| Cost of funding earning assets | 1.3390% | 1,297 |
| Net interest margin | 4.1289% | 2,314 |
| Noninterest income to average assets | 0.1809% | 6,197 |
| Noninterest expense to average assets | 3.7679% | 1,409 |
| Loan and lease loss provision to assets | 0.1349% | 4,931 |
| Net operating income to assets | 0.1109% | 5,845 |
| Return on assets (ROA) | 0.1599% | 5,845 |
| Pretax return on assets | 0.1599% | 5,869 |
| Return on Equity (ROE) | 1.5959% | 5,813 |
| Retained earnings to average equity (ytd only) | 0.6384% | 5,550 |
| Net charge-offs to loans | 0.8058% | 2,144 |
| Credit loss provision to net charge-offs | 22.6891% | 5,885 |
| Earnings coverage of net charge-offs (x) | 0.4134% | 5,510 |
| Efficiency ratio | 93.8760% | 927 |
| Assets per employee ($millions) | 4.2049% | 3,456 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 4,175 |
| Loan loss allowance to noncurrent loans | 70.1884% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 4.1711% | 1,357 |
| Noncurrent loans to loans | 2.0856% | 3,086 |
| Net loans and leases to total assets | 72.5960% | 1,539 |
| Net loans and leases to deposits | 81.5483% | 2,265 |
| Net loans and leases to core deposits | 94.4418% | 1,641 |
| Total domestic deposits to total assets | 89.0220% | 1,524 |
| Equity capital to assets | 10.8177% | 3,174 |
| Core capital (leverage) ratio | 10.1707% | 3,133 |
| Tier 1 risk-based capital ratio | 14.0145% | 4,317 |
| Total risk-based capital ratio | 15.2662% | 4,268 |
| Memoranda: | ||
| Average total assets | $100,081,000 | 4,890 |
| Average earning assets | $92,906,400 | 4,832 |
| Average equity | $10,025,800 | 5,009 |
| Average total loans | $73,836,200 | 4,352 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3985% | 1,507 |
| Cost of funding earning assets | 1.4063% | 1,212 |
| Net interest margin | 3.9922% | 2,947 |
| Noninterest income to average assets | 0.3620% | 4,974 |
| Noninterest expense to average assets | 3.8471% | 1,237 |
| Loan and lease loss provision to assets | 0.0925% | 5,307 |
| Net operating income to assets | 0.1202% | 5,917 |
| Return on assets (ROA) | 0.1546% | 5,943 |
| Pretax return on assets | 0.1546% | 5,992 |
| Return on Equity (ROE) | 1.5731% | 5,916 |
| Retained earnings to average equity (ytd only) | 0.7932% | 5,695 |
| Net charge-offs to loans | 0.0895% | 5,076 |
| Credit loss provision to net charge-offs | 140.0000% | 2,275 |
| Earnings coverage of net charge-offs (x) | 3.2197% | 3,535 |
| Efficiency ratio | 94.7608% | 876 |
| Assets per employee ($millions) | 4.8166% | 2,445 |
| Cash dividends to net income (ytd only)* | 49.5705% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0771% | 2,123 |
| Loan loss allowance to noncurrent loans | 71.6369% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 4.6874% | 1,261 |
| Noncurrent loans to loans | 2.8995% | 2,406 |
| Net loans and leases to total assets | 67.7573% | 2,527 |
| Net loans and leases to deposits | 75.0431% | 3,504 |
| Net loans and leases to core deposits | 90.9493% | 2,130 |
| Total domestic deposits to total assets | 90.2911% | 725 |
| Equity capital to assets | 9.4239% | 5,202 |
| Core capital (leverage) ratio | 9.7986% | 3,709 |
| Tier 1 risk-based capital ratio | 13.1159% | 5,010 |
| Total risk-based capital ratio | 14.3761% | 4,983 |
| Memoranda: | ||
| Average total assets | $100,923,250 | 4,898 |
| Average earning assets | $93,481,000 | 4,859 |
| Average equity | $9,916,750 | 5,054 |
| Average total loans | $74,482,250 | 4,367 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5853% | 1,097 |
| Cost of funding earning assets | 1.4599% | 1,164 |
| Net interest margin | 4.1254% | 2,315 |
| Noninterest income to average assets | 0.3688% | 4,926 |
| Noninterest expense to average assets | 4.0104% | 1,037 |
| Loan and lease loss provision to assets | 0.1411% | 4,544 |
| Net operating income to assets | 0.0443% | 6,133 |
| Return on assets (ROA) | 0.0967% | 6,106 |
| Pretax return on assets | 0.0967% | 6,108 |
| Return on Equity (ROE) | 0.9703% | 6,097 |
| Retained earnings to average equity (ytd only) | -0.2021% | 5,880 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5812% | 898 |
| Assets per employee ($millions) | 4.2873% | 3,185 |
| Cash dividends to net income (ytd only)* | 120.8333% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1130% | 2,096 |
| Loan loss allowance to noncurrent loans | 67.0217% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 5.2420% | 1,157 |
| Noncurrent loans to loans | 3.1527% | 2,282 |
| Net loans and leases to total assets | 73.8987% | 1,438 |
| Net loans and leases to deposits | 82.3734% | 2,396 |
| Net loans and leases to core deposits | 103.8123% | 1,053 |
| Total domestic deposits to total assets | 89.7118% | 1,115 |
| Equity capital to assets | 10.0387% | 4,092 |
| Core capital (leverage) ratio | 9.7737% | 3,560 |
| Tier 1 risk-based capital ratio | 13.0174% | 4,900 |
| Total risk-based capital ratio | 14.2782% | 4,874 |
| Memoranda: | ||
| Average total assets | $99,242,670 | 4,980 |
| Average earning assets | $92,063,670 | 4,936 |
| Average equity | $9,893,670 | 5,077 |
| Average total loans | $74,869,000 | 4,394 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6905% | 896 |
| Cost of funding earning assets | 1.5027% | 1,152 |
| Net interest margin | 4.1878% | 1,932 |
| Noninterest income to average assets | 0.3495% | 5,109 |
| Noninterest expense to average assets | 3.9614% | 1,084 |
| Loan and lease loss provision to assets | 0.1406% | 4,247 |
| Net operating income to assets | 0.1326% | 6,001 |
| Return on assets (ROA) | 0.1326% | 6,057 |
| Pretax return on assets | 0.1326% | 6,096 |
| Return on Equity (ROE) | 1.3345% | 6,043 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,784 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5484% | 1,063 |
| Assets per employee ($millions) | 3.9914% | 3,853 |
| Cash dividends to net income (ytd only)* | 100.0000% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0667% | 2,257 |
| Loan loss allowance to noncurrent loans | 71.8021% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 5.5750% | 1,074 |
| Noncurrent loans to loans | 2.8783% | 2,613 |
| Net loans and leases to total assets | 73.0388% | 1,510 |
| Net loans and leases to deposits | 81.3204% | 2,473 |
| Net loans and leases to core deposits | 99.6827% | 1,368 |
| Total domestic deposits to total assets | 89.8160% | 1,270 |
| Equity capital to assets | 9.9264% | 3,867 |
| Core capital (leverage) ratio | 9.7986% | 3,389 |
| Tier 1 risk-based capital ratio | 13.0106% | 4,817 |
| Total risk-based capital ratio | 14.2708% | 4,793 |
| Memoranda: | ||
| Average total assets | $99,560,000 | 5,010 |
| Average earning assets | $92,364,000 | 4,959 |
| Average equity | $9,891,000 | 5,068 |
| Average total loans | $75,082,000 | 4,421 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7702% | 1,357 |
| Cost of funding earning assets | 1.7363% | 1,438 |
| Net interest margin | 4.0339% | 2,870 |
| Noninterest income to average assets | 0.3755% | 5,094 |
| Noninterest expense to average assets | 3.7586% | 1,566 |
| Loan and lease loss provision to assets | 0.3337% | 4,149 |
| Net operating income to assets | 0.0097% | 5,811 |
| Return on assets (ROA) | 0.0371% | 5,874 |
| Pretax return on assets | 0.0627% | 5,775 |
| Return on Equity (ROE) | 0.3898% | 5,855 |
| Retained earnings to average equity (ytd only) | -0.1099% | 5,621 |
| Net charge-offs to loans | 0.4366% | 3,870 |
| Credit loss provision to net charge-offs | 102.0349% | 4,439 |
| Earnings coverage of net charge-offs (x) | 1.0814% | 5,029 |
| Efficiency ratio | 91.4008% | 1,223 |
| Assets per employee ($millions) | 3.9734% | 3,840 |
| Cash dividends to net income (ytd only)* | 128.2051% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 2,343 |
| Loan loss allowance to noncurrent loans | 64.8684% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 6.1277% | 959 |
| Noncurrent loans to loans | 3.0589% | 2,496 |
| Net loans and leases to total assets | 74.7383% | 1,534 |
| Net loans and leases to deposits | 83.2776% | 2,572 |
| Net loans and leases to core deposits | 102.0887% | 1,445 |
| Total domestic deposits to total assets | 89.7459% | 1,235 |
| Equity capital to assets | 9.9430% | 3,820 |
| Core capital (leverage) ratio | 9.3392% | 3,943 |
| Tier 1 risk-based capital ratio | 12.6234% | 4,920 |
| Total risk-based capital ratio | 13.8819% | 4,893 |
| Memoranda: | ||
| Average total assets | $105,200,000 | 4,846 |
| Average earning assets | $97,449,800 | 4,791 |
| Average equity | $10,005,800 | 5,133 |
| Average total loans | $78,798,200 | 4,372 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8429% | 1,275 |
| Cost of funding earning assets | 1.7715% | 1,545 |
| Net interest margin | 4.0714% | 2,751 |
| Noninterest income to average assets | 0.2612% | 6,030 |
| Noninterest expense to average assets | 3.6449% | 1,685 |
| Loan and lease loss provision to assets | 0.1688% | 5,354 |
| Net operating income to assets | 0.2057% | 5,492 |
| Return on assets (ROA) | 0.2575% | 5,479 |
| Pretax return on assets | 0.2787% | 5,556 |
| Return on Equity (ROE) | 2.7362% | 5,330 |
| Retained earnings to average equity (ytd only) | 2.4042% | 4,736 |
| Net charge-offs to loans | 0.4910% | 3,313 |
| Credit loss provision to net charge-offs | 46.0751% | 5,947 |
| Earnings coverage of net charge-offs (x) | 1.0682% | 4,987 |
| Efficiency ratio | 90.3066% | 1,264 |
| Assets per employee ($millions) | 4.2388% | 3,378 |
| Cash dividends to net income (ytd only)* | 12.1350% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 2,992 |
| Loan loss allowance to noncurrent loans | 125.8459% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 4.8466% | 1,350 |
| Noncurrent loans to loans | 1.3909% | 4,538 |
| Net loans and leases to total assets | 70.9241% | 2,508 |
| Net loans and leases to deposits | 78.5475% | 3,725 |
| Net loans and leases to core deposits | 97.2970% | 2,117 |
| Total domestic deposits to total assets | 90.2945% | 732 |
| Equity capital to assets | 9.5045% | 4,835 |
| Core capital (leverage) ratio | 9.7126% | 3,606 |
| Tier 1 risk-based capital ratio | 12.5188% | 4,961 |
| Total risk-based capital ratio | 13.7746% | 4,936 |
| Memoranda: | ||
| Average total assets | $106,666,000 | 4,866 |
| Average earning assets | $98,898,250 | 4,816 |
| Average equity | $10,038,000 | 5,184 |
| Average total loans | $79,561,500 | 4,414 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8829% | 1,225 |
| Cost of funding earning assets | 1.8298% | 1,530 |
| Net interest margin | 4.0531% | 2,775 |
| Noninterest income to average assets | 0.3929% | 4,964 |
| Noninterest expense to average assets | 3.6427% | 1,676 |
| Loan and lease loss provision to assets | 0.1871% | 4,999 |
| Net operating income to assets | 0.3112% | 5,133 |
| Return on assets (ROA) | 0.3929% | 4,944 |
| Pretax return on assets | 0.4060% | 5,205 |
| Return on Equity (ROE) | 4.1888% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.1888% | 3,402 |
| Net charge-offs to loans | 0.4443% | 3,202 |
| Credit loss provision to net charge-offs | 55.8659% | 5,300 |
| Earnings coverage of net charge-offs (x) | 1.5196% | 4,352 |
| Efficiency ratio | 87.7422% | 1,537 |
| Assets per employee ($millions) | 4.1474% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 2,975 |
| Loan loss allowance to noncurrent loans | 60.5814% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 6.1311% | 945 |
| Noncurrent loans to loans | 2.8508% | 2,808 |
| Net loans and leases to total assets | 77.7644% | 1,154 |
| Net loans and leases to deposits | 89.3091% | 1,963 |
| Net loans and leases to core deposits | 113.2269% | 966 |
| Total domestic deposits to total assets | 87.0733% | 2,491 |
| Equity capital to assets | 9.7545% | 4,333 |
| Core capital (leverage) ratio | 9.6469% | 3,615 |
| Tier 1 risk-based capital ratio | 11.8116% | 5,483 |
| Total risk-based capital ratio | 13.0666% | 5,445 |
| Memoranda: | ||
| Average total assets | $106,897,670 | 4,889 |
| Average earning assets | $99,135,000 | 4,836 |
| Average equity | $10,026,670 | 5,193 |
| Average total loans | $80,582,670 | 4,431 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8680% | 1,278 |
| Cost of funding earning assets | 1.8412% | 1,695 |
| Net interest margin | 4.0268% | 2,757 |
| Noninterest income to average assets | 0.3428% | 5,397 |
| Noninterest expense to average assets | 3.4026% | 2,227 |
| Loan and lease loss provision to assets | 0.2396% | 4,128 |
| Net operating income to assets | 0.4498% | 4,616 |
| Return on assets (ROA) | 0.5051% | 4,509 |
| Pretax return on assets | 0.5051% | 4,944 |
| Return on Equity (ROE) | 5.4893% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.4893% | 2,872 |
| Net charge-offs to loans | 0.3607% | 2,969 |
| Credit loss provision to net charge-offs | 90.2778% | 3,654 |
| Earnings coverage of net charge-offs (x) | 2.5972% | 3,236 |
| Efficiency ratio | 83.1532% | 2,125 |
| Assets per employee ($millions) | 4.2118% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 2,579 |
| Loan loss allowance to noncurrent loans | 52.0994% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 5.7639% | 1,055 |
| Noncurrent loans to loans | 3.5493% | 2,249 |
| Net loans and leases to total assets | 75.0613% | 1,729 |
| Net loans and leases to deposits | 83.1737% | 3,079 |
| Net loans and leases to core deposits | 109.3774% | 1,324 |
| Total domestic deposits to total assets | 90.2464% | 864 |
| Equity capital to assets | 9.5333% | 4,478 |
| Core capital (leverage) ratio | 9.1693% | 4,270 |
| Tier 1 risk-based capital ratio | 12.0642% | 5,133 |
| Total risk-based capital ratio | 13.3218% | 5,090 |
| Memoranda: | ||
| Average total assets | $108,504,000 | 4,911 |
| Average earning assets | $101,022,500 | 4,847 |
| Average equity | $9,983,000 | 5,239 |
| Average total loans | $79,850,500 | 4,511 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2250% | 1,177 |
| Cost of funding earning assets | 2.3370% | 1,502 |
| Net interest margin | 3.8880% | 3,316 |
| Noninterest income to average assets | 0.4195% | 5,051 |
| Noninterest expense to average assets | 3.6304% | 2,077 |
| Loan and lease loss provision to assets | 1.5938% | 1,436 |
| Net operating income to assets | -1.1286% | 6,662 |
| Return on assets (ROA) | -1.0667% | 6,629 |
| Pretax return on assets | -1.0667% | 6,462 |
| Return on Equity (ROE) | -11.9363% | 6,761 |
| Retained earnings to average equity (ytd only) | -14.6947% | 6,870 |
| Net charge-offs to loans | 1.5988% | 1,576 |
| Credit loss provision to net charge-offs | 124.5971% | 4,212 |
| Earnings coverage of net charge-offs (x) | 0.3637% | 5,753 |
| Efficiency ratio | 88.6408% | 1,826 |
| Assets per employee ($millions) | 4.4686% | 2,982 |
| Cash dividends to net income (ytd only)* | -23.1092% | 7,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8894% | 2,291 |
| Loan loss allowance to noncurrent loans | 85.1451% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 4.4847% | 1,437 |
| Noncurrent loans to loans | 2.2191% | 3,375 |
| Net loans and leases to total assets | 69.5356% | 3,354 |
| Net loans and leases to deposits | 76.6024% | 4,641 |
| Net loans and leases to core deposits | 120.6114% | 1,909 |
| Total domestic deposits to total assets | 90.7747% | 628 |
| Equity capital to assets | 8.8870% | 5,301 |
| Core capital (leverage) ratio | 8.4108% | 5,417 |
| Tier 1 risk-based capital ratio | 11.8709% | 5,059 |
| Total risk-based capital ratio | 13.1207% | 5,020 |
| Memoranda: | ||
| Average total assets | $111,559,000 | 4,783 |
| Average earning assets | $105,477,400 | 4,693 |
| Average equity | $9,969,600 | 5,302 |
| Average total loans | $89,255,800 | 4,231 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3750% | 972 |
| Cost of funding earning assets | 2.4353% | 1,507 |
| Net interest margin | 3.9396% | 3,084 |
| Noninterest income to average assets | 0.4328% | 5,021 |
| Noninterest expense to average assets | 3.5939% | 2,036 |
| Loan and lease loss provision to assets | 1.5196% | 1,259 |
| Net operating income to assets | -0.9421% | 6,791 |
| Return on assets (ROA) | -0.8596% | 6,732 |
| Pretax return on assets | -0.8596% | 6,578 |
| Return on Equity (ROE) | -9.6056% | 6,866 |
| Retained earnings to average equity (ytd only) | -13.2796% | 7,024 |
| Net charge-offs to loans | 1.2189% | 1,674 |
| Credit loss provision to net charge-offs | 151.4899% | 3,165 |
| Earnings coverage of net charge-offs (x) | 0.5757% | 5,453 |
| Efficiency ratio | 86.1565% | 2,046 |
| Assets per employee ($millions) | 4.5181% | 2,833 |
| Cash dividends to net income (ytd only)* | -38.2479% | 7,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8286% | 2,195 |
| Loan loss allowance to noncurrent loans | 49.4202% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 4.7905% | 1,242 |
| Noncurrent loans to loans | 3.7002% | 2,016 |
| Net loans and leases to total assets | 74.9540% | 2,254 |
| Net loans and leases to deposits | 82.0241% | 4,021 |
| Net loans and leases to core deposits | 133.1436% | 1,258 |
| Total domestic deposits to total assets | 91.3804% | 284 |
| Equity capital to assets | 8.4177% | 6,364 |
| Core capital (leverage) ratio | 8.4372% | 5,600 |
| Tier 1 risk-based capital ratio | 10.7050% | 6,241 |
| Total risk-based capital ratio | 11.9614% | 6,209 |
| Memoranda: | ||
| Average total assets | $111,520,250 | 4,816 |
| Average earning assets | $105,827,500 | 4,715 |
| Average equity | $9,980,000 | 5,341 |
| Average total loans | $91,775,500 | 4,201 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3942% | 1,021 |
| Cost of funding earning assets | 2.5596% | 1,405 |
| Net interest margin | 3.8346% | 3,392 |
| Noninterest income to average assets | 0.6250% | 3,500 |
| Noninterest expense to average assets | 3.6418% | 1,967 |
| Loan and lease loss provision to assets | 1.3923% | 1,244 |
| Net operating income to assets | -0.7691% | 6,809 |
| Return on assets (ROA) | -0.6898% | 6,745 |
| Pretax return on assets | -0.6898% | 6,589 |
| Return on Equity (ROE) | -7.5562% | 6,861 |
| Retained earnings to average equity (ytd only) | -11.5020% | 7,010 |
| Net charge-offs to loans | 1.1322% | 1,608 |
| Credit loss provision to net charge-offs | 145.8491% | 3,172 |
| Earnings coverage of net charge-offs (x) | 0.6528% | 5,048 |
| Efficiency ratio | 85.3885% | 2,306 |
| Assets per employee ($millions) | 4.4287% | 2,885 |
| Cash dividends to net income (ytd only)* | -52.2193% | 8,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 3,204 |
| Loan loss allowance to noncurrent loans | 25.6037% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 6.8679% | 636 |
| Noncurrent loans to loans | 5.8568% | 948 |
| Net loans and leases to total assets | 82.4067% | 883 |
| Net loans and leases to deposits | 92.5401% | 2,361 |
| Net loans and leases to core deposits | 153.3996% | 577 |
| Total domestic deposits to total assets | 89.0497% | 1,241 |
| Equity capital to assets | 8.8405% | 5,535 |
| Core capital (leverage) ratio | 8.8712% | 4,830 |
| Tier 1 risk-based capital ratio | 10.3965% | 6,484 |
| Total risk-based capital ratio | 11.6494% | 6,421 |
| Memoranda: | ||
| Average total assets | $111,043,000 | 4,856 |
| Average earning assets | $105,407,670 | 4,744 |
| Average equity | $10,137,330 | 5,323 |
| Average total loans | $93,621,000 | 4,182 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3233% | 1,235 |
| Cost of funding earning assets | 2.7213% | 1,203 |
| Net interest margin | 3.6020% | 4,307 |
| Noninterest income to average assets | 0.3921% | 5,278 |
| Noninterest expense to average assets | 3.5106% | 2,075 |
| Loan and lease loss provision to assets | 1.0971% | 1,193 |
| Net operating income to assets | -0.7877% | 7,117 |
| Return on assets (ROA) | -0.7877% | 7,153 |
| Pretax return on assets | -0.7877% | 7,027 |
| Return on Equity (ROE) | -8.4950% | 7,270 |
| Retained earnings to average equity (ytd only) | -8.4950% | 6,963 |
| Net charge-offs to loans | 1.2878% | 1,092 |
| Credit loss provision to net charge-offs | 100.6601% | 3,701 |
| Earnings coverage of net charge-offs (x) | 0.2838% | 4,746 |
| Efficiency ratio | 91.9021% | 1,575 |
| Assets per employee ($millions) | 4.4517% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 4,549 |
| Loan loss allowance to noncurrent loans | 20.3730% | 7,147 |
| Noncurrent assets plus other real estate owned to assets | 6.1738% | 632 |
| Noncurrent loans to loans | 6.0637% | 782 |
| Net loans and leases to total assets | 82.3960% | 947 |
| Net loans and leases to deposits | 91.5829% | 2,674 |
| Net loans and leases to core deposits | 151.3343% | 662 |
| Total domestic deposits to total assets | 89.9688% | 818 |
| Equity capital to assets | 9.1228% | 5,196 |
| Core capital (leverage) ratio | 9.1970% | 4,404 |
| Tier 1 risk-based capital ratio | 10.7123% | 6,173 |
| Total risk-based capital ratio | 11.9230% | 6,126 |
| Memoranda: | ||
| Average total assets | $111,205,500 | 4,873 |
| Average earning assets | $105,830,000 | 4,753 |
| Average equity | $10,312,000 | 5,291 |
| Average total loans | $94,117,500 | 4,206 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7622% | 257 |
| Cost of funding earning assets | 3.0322% | 1,742 |
| Net interest margin | 4.7300% | 913 |
| Noninterest income to average assets | 0.4677% | 4,897 |
| Noninterest expense to average assets | 3.7581% | 1,838 |
| Loan and lease loss provision to assets | 0.5146% | 2,748 |
| Net operating income to assets | 0.6014% | 4,293 |
| Return on assets (ROA) | 0.6236% | 4,063 |
| Pretax return on assets | 0.7269% | 4,310 |
| Return on Equity (ROE) | 6.9281% | 3,568 |
| Retained earnings to average equity (ytd only) | 5.5998% | 1,712 |
| Net charge-offs to loans | 0.5260% | 2,262 |
| Credit loss provision to net charge-offs | 119.5556% | 4,500 |
| Earnings coverage of net charge-offs (x) | 2.8244% | 4,665 |
| Efficiency ratio | 75.5577% | 3,315 |
| Assets per employee ($millions) | 4.4447% | 2,707 |
| Cash dividends to net income (ytd only)* | 19.1718% | 4,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 4,531 |
| Loan loss allowance to noncurrent loans | 37.7514% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 2.9707% | 1,554 |
| Noncurrent loans to loans | 3.1797% | 1,658 |
| Net loans and leases to total assets | 84.8125% | 754 |
| Net loans and leases to deposits | 94.4905% | 2,690 |
| Net loans and leases to core deposits | 163.8763% | 507 |
| Total domestic deposits to total assets | 89.7577% | 744 |
| Equity capital to assets | 9.4233% | 4,794 |
| Core capital (leverage) ratio | 9.5995% | 3,879 |
| Tier 1 risk-based capital ratio | 10.7598% | 5,951 |
| Total risk-based capital ratio | 11.9515% | 5,908 |
| Memoranda: | ||
| Average total assets | $104,548,400 | 4,913 |
| Average earning assets | $99,597,600 | 4,812 |
| Average equity | $9,411,000 | 5,602 |
| Average total loans | $85,555,800 | 4,342 |