Home > State Bank of Reeseville > Performance and Condition Ratios
State Bank of Reeseville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8008% | 2,472 |
| Cost of funding earning assets | 1.9461% | 998 |
| Net interest margin | 2.8547% | 3,564 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.9590% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8533% | 2,695 |
| Return on assets (ROA) | 0.8533% | 2,668 |
| Pretax return on assets | 0.8563% | 3,079 |
| Return on Equity (ROE) | 10.7500% | 2,295 |
| Retained earnings to average equity (ytd only) | 9.8670% | 1,055 |
| Net charge-offs to loans | -0.0140% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.5848% | 1,933 |
| Assets per employee ($millions) | 9.8051% | 752 |
| Cash dividends to net income (ytd only)* | 8.2024% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 3,931 |
| 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 | 45.8200% | 3,818 |
| Net loans and leases to deposits | 58.2018% | 3,626 |
| Net loans and leases to core deposits | 96.4174% | 1,629 |
| Total domestic deposits to total assets | 78.7200% | 3,648 |
| Equity capital to assets | 7.9156% | 3,469 |
| Core capital (leverage) ratio | 10.4572% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $134,300,400 | 3,511 |
| Average earning assets | $127,331,800 | 3,469 |
| Average equity | $10,661,800 | 3,651 |
| Average total loans | $64,422,000 | 3,639 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 2,345 |
| Cost of funding earning assets | 1.7875% | 1,032 |
| Net interest margin | 2.9759% | 3,386 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.0126% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9448% | 2,533 |
| Return on assets (ROA) | 0.9448% | 2,522 |
| Pretax return on assets | 0.9112% | 3,078 |
| Return on Equity (ROE) | 11.8900% | 2,154 |
| Retained earnings to average equity (ytd only) | 11.8908% | 992 |
| Net charge-offs to loans | -0.0147% | 4,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.8348% | 1,926 |
| Assets per employee ($millions) | 8.8951% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8291% | 3,921 |
| 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 | 49.4900% | 3,654 |
| Net loans and leases to deposits | 77.2981% | 2,306 |
| Net loans and leases to core deposits | 95.1508% | 1,609 |
| Total domestic deposits to total assets | 64.0200% | 4,432 |
| Equity capital to assets | 7.5308% | 3,338 |
| Core capital (leverage) ratio | 10.6137% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $131,106,250 | 3,549 |
| Average earning assets | $124,193,750 | 3,507 |
| Average equity | $10,416,750 | 3,678 |
| Average total loans | $63,541,750 | 3,663 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 2,368 |
| Cost of funding earning assets | 1.5583% | 1,149 |
| Net interest margin | 3.0633% | 3,292 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.9841% | 3,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9683% | 2,519 |
| Return on assets (ROA) | 0.9683% | 2,516 |
| Pretax return on assets | 1.0297% | 2,830 |
| Return on Equity (ROE) | 11.9700% | 2,167 |
| Retained earnings to average equity (ytd only) | 11.9738% | 992 |
| Net charge-offs to loans | -0.0160% | 4,064 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.8350% | 2,260 |
| Assets per employee ($millions) | 8.7532% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 3,876 |
| 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 | 48.3100% | 3,666 |
| Net loans and leases to deposits | 73.2853% | 2,560 |
| Net loans and leases to core deposits | 91.8606% | 1,694 |
| Total domestic deposits to total assets | 65.9200% | 4,434 |
| Equity capital to assets | 8.3192% | 3,009 |
| Core capital (leverage) ratio | 10.5988% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $130,333,000 | 3,567 |
| Average earning assets | $123,853,333 | 3,518 |
| Average equity | $10,539,667 | 3,673 |
| Average total loans | $62,529,000 | 3,681 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 2,283 |
| Cost of funding earning assets | 1.3758% | 1,076 |
| Net interest margin | 3.1400% | 3,261 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.9715% | 3,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0350% | 2,421 |
| Return on assets (ROA) | 1.0350% | 2,387 |
| Pretax return on assets | 1.1213% | 2,655 |
| Return on Equity (ROE) | 12.9900% | 1,990 |
| Retained earnings to average equity (ytd only) | 12.9880% | 1,099 |
| Net charge-offs to loans | -0.0129% | 3,938 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.7450% | 2,493 |
| Assets per employee ($millions) | 9.9528% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 3,901 |
| 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 | 47.4300% | 3,674 |
| Net loans and leases to deposits | 72.1030% | 2,462 |
| Net loans and leases to core deposits | 91.1452% | 1,553 |
| Total domestic deposits to total assets | 65.7800% | 4,485 |
| Equity capital to assets | 8.1609% | 3,132 |
| Core capital (leverage) ratio | 10.3044% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $129,850,500 | 3,619 |
| Average earning assets | $123,567,500 | 3,565 |
| Average equity | $10,348,000 | 3,738 |
| Average total loans | $61,805,000 | 3,732 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3266% | 3,522 |
| Cost of funding earning assets | 0.7039% | 573 |
| Net interest margin | 2.6227% | 4,145 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.7092% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8619% | 3,110 |
| Return on assets (ROA) | 0.8619% | 3,039 |
| Pretax return on assets | 0.9228% | 3,290 |
| Return on Equity (ROE) | 11.2100% | 2,405 |
| Retained earnings to average equity (ytd only) | 10.2072% | 1,093 |
| Net charge-offs to loans | -0.0034% | 3,544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.9387% | 2,370 |
| Assets per employee ($millions) | 10.0242% | 669 |
| Cash dividends to net income (ytd only)* | 8.9362% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 3,827 |
| 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 | 46.9200% | 3,740 |
| Net loans and leases to deposits | 70.0286% | 2,577 |
| Net loans and leases to core deposits | 88.3758% | 1,590 |
| Total domestic deposits to total assets | 67.0100% | 4,519 |
| Equity capital to assets | 7.7788% | 3,204 |
| Core capital (leverage) ratio | 10.2524% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $136,320,800 | 3,573 |
| Average earning assets | $131,124,400 | 3,517 |
| Average equity | $10,482,800 | 3,813 |
| Average total loans | $59,477,600 | 3,741 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0756% | 3,726 |
| Cost of funding earning assets | 0.5646% | 537 |
| Net interest margin | 2.5110% | 4,200 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.6620% | 4,218 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8155% | 3,186 |
| Return on assets (ROA) | 0.8155% | 3,154 |
| Pretax return on assets | 0.8668% | 3,433 |
| Return on Equity (ROE) | 10.6300% | 2,533 |
| Retained earnings to average equity (ytd only) | 10.4956% | 1,200 |
| Net charge-offs to loans | 0.0023% | 2,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 896.0000% | 174 |
| Efficiency ratio | 65.7230% | 2,318 |
| Assets per employee ($millions) | 11.4179% | 455 |
| Cash dividends to net income (ytd only)* | 1.3049% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 3,935 |
| 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 | 48.9100% | 3,538 |
| Net loans and leases to deposits | 74.5516% | 2,000 |
| Net loans and leases to core deposits | 94.6637% | 1,059 |
| Total domestic deposits to total assets | 65.6100% | 4,585 |
| Equity capital to assets | 7.0854% | 3,466 |
| Core capital (leverage) ratio | 9.9214% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0999% | 1,401 |
| Memoranda: | ||
| Average total assets | $137,822,250 | 3,575 |
| Average earning assets | $132,955,750 | 3,515 |
| Average equity | $10,569,250 | 3,856 |
| Average total loans | $58,923,500 | 3,765 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7989% | 3,982 |
| Cost of funding earning assets | 0.4503% | 692 |
| Net interest margin | 2.3486% | 4,283 |
| Noninterest income to average assets | 0.1057% | 4,461 |
| Noninterest expense to average assets | 1.6209% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7372% | 3,190 |
| Return on assets (ROA) | 0.7372% | 3,146 |
| Pretax return on assets | 0.7639% | 3,419 |
| Return on Equity (ROE) | 9.4014% | 2,563 |
| Retained earnings to average equity (ytd only) | 9.2037% | 1,228 |
| Net charge-offs to loans | 0.0104% | 1,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 180.6667% | 575 |
| Efficiency ratio | 67.9669% | 2,248 |
| Assets per employee ($millions) | 11.4021% | 448 |
| Cash dividends to net income (ytd only)* | 2.1033% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 3,983 |
| 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 | 47.9984% | 3,554 |
| Net loans and leases to deposits | 70.8614% | 2,124 |
| Net loans and leases to core deposits | 79.4313% | 1,754 |
| Total domestic deposits to total assets | 67.7356% | 4,640 |
| Equity capital to assets | 7.7665% | 3,296 |
| Core capital (leverage) ratio | 9.6045% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6721% | 1,267 |
| Memoranda: | ||
| Average total assets | $141,897,333 | 3,586 |
| Average earning assets | $137,698,333 | 3,517 |
| Average equity | $11,126,000 | 3,875 |
| Average total loans | $57,906,667 | 3,825 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5166% | 4,245 |
| Cost of funding earning assets | 0.4117% | 811 |
| Net interest margin | 2.1049% | 4,443 |
| Noninterest income to average assets | 0.1066% | 4,470 |
| Noninterest expense to average assets | 1.5959% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5835% | 3,453 |
| Return on assets (ROA) | 0.5835% | 3,433 |
| Pretax return on assets | 0.5675% | 3,712 |
| Return on Equity (ROE) | 7.4121% | 2,904 |
| Retained earnings to average equity (ytd only) | 7.1752% | 1,838 |
| Net charge-offs to loans | -0.0142% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7685% | 1,769 |
| Assets per employee ($millions) | 12.8428% | 319 |
| Cash dividends to net income (ytd only)* | 3.1963% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 3,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 39.2926% | 4,055 |
| Net loans and leases to deposits | 52.5878% | 3,527 |
| Net loans and leases to core deposits | 60.2776% | 3,117 |
| Total domestic deposits to total assets | 74.7181% | 4,552 |
| Equity capital to assets | 7.7220% | 3,788 |
| Core capital (leverage) ratio | 7.9582% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9511% | 1,055 |
| Memoranda: | ||
| Average total assets | $150,134,500 | 3,515 |
| Average earning assets | $146,705,000 | 3,440 |
| Average equity | $11,818,500 | 3,877 |
| Average total loans | $56,489,500 | 3,855 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2408% | 3,374 |
| Cost of funding earning assets | 0.5518% | 704 |
| Net interest margin | 2.6890% | 3,894 |
| Noninterest income to average assets | 0.1084% | 4,569 |
| Noninterest expense to average assets | 1.8825% | 3,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7982% | 3,336 |
| Return on assets (ROA) | 0.7572% | 3,529 |
| Pretax return on assets | 0.8079% | 3,705 |
| Return on Equity (ROE) | 7.7596% | 3,299 |
| Retained earnings to average equity (ytd only) | 6.9444% | 1,935 |
| Net charge-offs to loans | 0.0712% | 1,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 26.6341% | 1,693 |
| Efficiency ratio | 68.8534% | 1,875 |
| Assets per employee ($millions) | 13.2498% | 291 |
| Cash dividends to net income (ytd only)* | 10.5046% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 3,921 |
| Loan loss allowance to noncurrent loans | 875.8065% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,736 |
| Noncurrent loans to loans | 0.1089% | 3,382 |
| Net loans and leases to total assets | 35.4615% | 4,315 |
| Net loans and leases to deposits | 48.7064% | 3,959 |
| Net loans and leases to core deposits | 55.5552% | 3,658 |
| Total domestic deposits to total assets | 72.8066% | 4,623 |
| Equity capital to assets | 8.0051% | 4,359 |
| Core capital (leverage) ratio | 9.8573% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1205% | 875 |
| Memoranda: | ||
| Average total assets | $128,235,600 | 3,698 |
| Average earning assets | $125,216,000 | 3,627 |
| Average equity | $12,513,600 | 3,878 |
| Average total loans | $57,546,000 | 3,859 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5302% | 2,748 |
| Cost of funding earning assets | 0.5965% | 649 |
| Net interest margin | 2.9337% | 3,471 |
| Noninterest income to average assets | 0.1139% | 4,605 |
| Noninterest expense to average assets | 2.0086% | 3,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8782% | 3,310 |
| Return on assets (ROA) | 0.8782% | 3,384 |
| Pretax return on assets | 0.9667% | 3,549 |
| Return on Equity (ROE) | 8.4963% | 3,257 |
| Retained earnings to average equity (ytd only) | 8.4000% | 1,912 |
| Net charge-offs to loans | 0.0994% | 740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 20.3256% | 1,734 |
| Efficiency ratio | 67.5093% | 1,898 |
| Assets per employee ($millions) | 10.1953% | 609 |
| Cash dividends to net income (ytd only)* | 1.1335% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 3,928 |
| Loan loss allowance to noncurrent loans | 872.5806% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,803 |
| Noncurrent loans to loans | 0.1117% | 3,535 |
| Net loans and leases to total assets | 44.9070% | 3,874 |
| Net loans and leases to deposits | 68.3967% | 2,406 |
| Net loans and leases to core deposits | 92.9974% | 870 |
| Total domestic deposits to total assets | 65.6567% | 4,797 |
| Equity capital to assets | 10.5440% | 2,423 |
| Core capital (leverage) ratio | 10.1473% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0023% | 692 |
| Memoranda: | ||
| Average total assets | $120,545,000 | 3,836 |
| Average earning assets | $117,573,000 | 3,756 |
| Average equity | $12,460,000 | 3,940 |
| Average total loans | $57,701,000 | 3,910 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4447% | 3,039 |
| Cost of funding earning assets | 0.6206% | 670 |
| Net interest margin | 2.8241% | 3,736 |
| Noninterest income to average assets | 0.1134% | 4,632 |
| Noninterest expense to average assets | 2.0626% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7537% | 3,632 |
| Return on assets (ROA) | 0.7537% | 3,702 |
| Pretax return on assets | 0.8054% | 3,860 |
| Return on Equity (ROE) | 7.3416% | 3,567 |
| Retained earnings to average equity (ytd only) | 7.2604% | 2,337 |
| Net charge-offs to loans | 0.1540% | 539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 10.7333% | 1,792 |
| Efficiency ratio | 71.9186% | 1,444 |
| Assets per employee ($millions) | 9.9528% | 615 |
| Cash dividends to net income (ytd only)* | 1.1062% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 3,836 |
| Loan loss allowance to noncurrent loans | 869.3548% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 3,898 |
| Noncurrent loans to loans | 0.1145% | 3,618 |
| Net loans and leases to total assets | 44.9001% | 3,982 |
| Net loans and leases to deposits | 68.9732% | 2,520 |
| Net loans and leases to core deposits | 92.5608% | 971 |
| Total domestic deposits to total assets | 65.0979% | 4,832 |
| Equity capital to assets | 10.5171% | 2,380 |
| Core capital (leverage) ratio | 9.9942% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0255% | 802 |
| Memoranda: | ||
| Average total assets | $119,945,333 | 3,855 |
| Average earning assets | $116,991,333 | 3,773 |
| Average equity | $12,313,333 | 3,957 |
| Average total loans | $58,440,667 | 3,919 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1297% | 3,829 |
| Cost of funding earning assets | 0.6382% | 735 |
| Net interest margin | 2.4915% | 4,312 |
| Noninterest income to average assets | 0.1298% | 4,555 |
| Noninterest expense to average assets | 1.8436% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6888% | 3,733 |
| Return on assets (ROA) | 0.6888% | 3,801 |
| Pretax return on assets | 0.7155% | 3,987 |
| Return on Equity (ROE) | 6.7927% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.6287% | 2,687 |
| Net charge-offs to loans | 0.3037% | 277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 4.6739% | 1,719 |
| Efficiency ratio | 72.0416% | 1,493 |
| Assets per employee ($millions) | 9.8686% | 621 |
| Cash dividends to net income (ytd only)* | 2.4155% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8729% | 4,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 51.5913% | 3,486 |
| Net loans and leases to deposits | 75.4887% | 1,967 |
| Net loans and leases to core deposits | 110.9384% | 383 |
| Total domestic deposits to total assets | 68.3431% | 4,798 |
| Equity capital to assets | 10.3578% | 2,387 |
| Core capital (leverage) ratio | 9.6795% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1357% | 1,048 |
| Memoranda: | ||
| Average total assets | $120,201,000 | 3,855 |
| Average earning assets | $117,199,000 | 3,771 |
| Average equity | $12,189,500 | 3,979 |
| Average total loans | $60,578,500 | 3,909 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5921% | 3,830 |
| Cost of funding earning assets | 0.9311% | 764 |
| Net interest margin | 2.6610% | 4,432 |
| Noninterest income to average assets | 0.1096% | 4,709 |
| Noninterest expense to average assets | 1.9698% | 4,199 |
| Loan and lease loss provision to assets | 0.0951% | 3,155 |
| Net operating income to assets | 0.6135% | 3,703 |
| Return on assets (ROA) | 0.7058% | 3,549 |
| Pretax return on assets | 0.7294% | 3,816 |
| Return on Equity (ROE) | 7.3296% | 3,061 |
| Retained earnings to average equity (ytd only) | 5.6924% | 1,953 |
| Net charge-offs to loans | -0.0039% | 4,074 |
| Credit loss provision to net charge-offs | -5,250.0000% | 4,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9775% | 1,573 |
| Assets per employee ($millions) | 10.1649% | 501 |
| Cash dividends to net income (ytd only)* | 22.3363% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 3,936 |
| Loan loss allowance to noncurrent loans | 1,269.5652% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 4,165 |
| Noncurrent loans to loans | 0.0773% | 3,984 |
| Net loans and leases to total assets | 48.3190% | 3,951 |
| Net loans and leases to deposits | 74.6385% | 2,417 |
| Net loans and leases to core deposits | 111.5635% | 469 |
| Total domestic deposits to total assets | 64.7374% | 4,869 |
| Equity capital to assets | 9.9304% | 3,198 |
| Core capital (leverage) ratio | 9.1415% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1791% | 1,220 |
| Memoranda: | ||
| Average total assets | $110,368,800 | 3,877 |
| Average earning assets | $107,401,800 | 3,806 |
| Average equity | $10,628,200 | 4,139 |
| Average total loans | $51,816,200 | 4,073 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5796% | 4,064 |
| Cost of funding earning assets | 1.0078% | 745 |
| Net interest margin | 2.5718% | 4,597 |
| Noninterest income to average assets | 0.1476% | 4,564 |
| Noninterest expense to average assets | 1.9168% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7667% | 3,221 |
| Return on assets (ROA) | 0.7059% | 3,542 |
| Pretax return on assets | 0.6712% | 3,965 |
| Return on Equity (ROE) | 7.3964% | 3,054 |
| Retained earnings to average equity (ytd only) | 6.3695% | 1,937 |
| Net charge-offs to loans | -0.0053% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3653% | 1,600 |
| Assets per employee ($millions) | 9.6312% | 571 |
| Cash dividends to net income (ytd only)* | 13.8840% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 4,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 48.5888% | 4,182 |
| Net loans and leases to deposits | 75.9255% | 2,758 |
| Net loans and leases to core deposits | 111.6799% | 636 |
| Total domestic deposits to total assets | 63.9954% | 4,889 |
| Equity capital to assets | 10.1580% | 3,096 |
| Core capital (leverage) ratio | 9.4640% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0649% | 1,045 |
| Memoranda: | ||
| Average total assets | $107,466,250 | 3,904 |
| Average earning assets | $104,515,000 | 3,841 |
| Average equity | $10,257,000 | 4,184 |
| Average total loans | $49,889,500 | 4,135 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 4,086 |
| Cost of funding earning assets | 1.1118% | 690 |
| Net interest margin | 2.5909% | 4,663 |
| Noninterest income to average assets | 0.1470% | 4,570 |
| Noninterest expense to average assets | 1.9167% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7827% | 3,098 |
| Return on assets (ROA) | 0.6892% | 3,529 |
| Pretax return on assets | 0.6548% | 3,962 |
| Return on Equity (ROE) | 7.3955% | 2,968 |
| Retained earnings to average equity (ytd only) | 7.3136% | 1,531 |
| Net charge-offs to loans | -0.0042% | 3,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9198% | 1,693 |
| Assets per employee ($millions) | 9.0531% | 670 |
| Cash dividends to net income (ytd only)* | 1.1080% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 3,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 45.8196% | 4,374 |
| Net loans and leases to deposits | 69.5384% | 3,454 |
| Net loans and leases to core deposits | 105.5425% | 906 |
| Total domestic deposits to total assets | 65.8910% | 4,884 |
| Equity capital to assets | 10.3924% | 2,844 |
| Core capital (leverage) ratio | 10.0715% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6526% | 957 |
| Memoranda: | ||
| Average total assets | $104,763,667 | 3,927 |
| Average earning assets | $101,816,000 | 3,865 |
| Average equity | $9,762,667 | 4,247 |
| Average total loans | $47,641,000 | 4,183 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 4,191 |
| Cost of funding earning assets | 1.2624% | 630 |
| Net interest margin | 2.5569% | 4,786 |
| Noninterest income to average assets | 0.1556% | 4,598 |
| Noninterest expense to average assets | 1.9956% | 4,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6380% | 3,481 |
| Return on assets (ROA) | 0.6380% | 3,547 |
| Pretax return on assets | 0.6419% | 3,835 |
| Return on Equity (ROE) | 7.2897% | 2,837 |
| Retained earnings to average equity (ytd only) | 7.1119% | 1,497 |
| Net charge-offs to loans | 0.0086% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 398 |
| Efficiency ratio | 75.6637% | 1,601 |
| Assets per employee ($millions) | 8.5603% | 617 |
| Cash dividends to net income (ytd only)* | 2.4390% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 44.9928% | 4,472 |
| Net loans and leases to deposits | 65.3554% | 3,905 |
| Net loans and leases to core deposits | 105.6846% | 1,078 |
| Total domestic deposits to total assets | 68.8434% | 4,898 |
| Equity capital to assets | 7.2885% | 5,051 |
| Core capital (leverage) ratio | 10.0673% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1680% | 959 |
| Memoranda: | ||
| Average total assets | $102,827,000 | 3,948 |
| Average earning assets | $99,809,000 | 3,877 |
| Average equity | $8,999,000 | 4,369 |
| Average total loans | $46,334,000 | 4,224 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 4,261 |
| Cost of funding earning assets | 1.1718% | 1,090 |
| Net interest margin | 2.8275% | 4,737 |
| Noninterest income to average assets | 0.1875% | 4,541 |
| Noninterest expense to average assets | 2.1443% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7640% | 3,657 |
| Return on assets (ROA) | 0.7780% | 3,697 |
| Pretax return on assets | 0.8144% | 3,940 |
| Return on Equity (ROE) | 7.3653% | 3,417 |
| Retained earnings to average equity (ytd only) | 6.3497% | 1,694 |
| Net charge-offs to loans | 0.0472% | 2,441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 36.5714% | 1,392 |
| Efficiency ratio | 72.8334% | 1,753 |
| Assets per employee ($millions) | 7.3522% | 913 |
| Cash dividends to net income (ytd only)* | 13.7885% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 44.2015% | 4,595 |
| Net loans and leases to deposits | 61.8695% | 4,198 |
| Net loans and leases to core deposits | 96.7836% | 1,831 |
| Total domestic deposits to total assets | 71.4430% | 4,884 |
| Equity capital to assets | 10.2117% | 3,720 |
| Core capital (leverage) ratio | 9.4977% | 4,066 |
| Tier 1 risk-based capital ratio | 17.4406% | 1,912 |
| Total risk-based capital ratio | 18.2876% | 1,983 |
| Memoranda: | ||
| Average total assets | $96,020,600 | 4,063 |
| Average earning assets | $93,617,600 | 3,979 |
| Average equity | $10,142,200 | 4,220 |
| Average total loans | $44,483,600 | 4,295 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 4,349 |
| Cost of funding earning assets | 1.1591% | 1,143 |
| Net interest margin | 2.8491% | 4,811 |
| Noninterest income to average assets | 0.1711% | 4,691 |
| Noninterest expense to average assets | 2.1295% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7840% | 3,723 |
| Return on assets (ROA) | 0.8003% | 3,745 |
| Pretax return on assets | 0.8357% | 4,045 |
| Return on Equity (ROE) | 7.5090% | 3,502 |
| Retained earnings to average equity (ytd only) | 7.2834% | 1,723 |
| Net charge-offs to loans | 0.0574% | 2,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 30.4769% | 1,610 |
| Efficiency ratio | 72.2302% | 1,799 |
| Assets per employee ($millions) | 6.7806% | 1,123 |
| Cash dividends to net income (ytd only)* | 3.0040% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 3,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 44.7335% | 4,670 |
| Net loans and leases to deposits | 63.7272% | 4,190 |
| Net loans and leases to core deposits | 107.4333% | 1,089 |
| Total domestic deposits to total assets | 70.1954% | 4,987 |
| Equity capital to assets | 10.4671% | 3,566 |
| Core capital (leverage) ratio | 9.5789% | 4,081 |
| Tier 1 risk-based capital ratio | 18.1451% | 1,775 |
| Total risk-based capital ratio | 19.0377% | 1,827 |
| Memoranda: | ||
| Average total assets | $94,293,000 | 4,132 |
| Average earning assets | $91,910,750 | 4,056 |
| Average equity | $10,050,000 | 4,280 |
| Average total loans | $44,111,000 | 4,357 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 4,395 |
| Cost of funding earning assets | 1.0882% | 1,344 |
| Net interest margin | 2.9048% | 4,816 |
| Noninterest income to average assets | 0.1677% | 4,747 |
| Noninterest expense to average assets | 2.0780% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8571% | 3,446 |
| Return on assets (ROA) | 0.8713% | 3,460 |
| Pretax return on assets | 0.9366% | 3,752 |
| Return on Equity (ROE) | 8.1207% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.9786% | 1,405 |
| Net charge-offs to loans | 0.0874% | 1,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 22.2632% | 1,699 |
| Efficiency ratio | 69.2810% | 2,334 |
| Assets per employee ($millions) | 6.6667% | 1,151 |
| Cash dividends to net income (ytd only)* | 1.7500% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,203 |
| Loan loss allowance to noncurrent loans | 11,975.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,797 |
| Noncurrent loans to loans | 0.0090% | 4,683 |
| Net loans and leases to total assets | 43.9926% | 4,730 |
| Net loans and leases to deposits | 62.4377% | 4,311 |
| Net loans and leases to core deposits | 85.8115% | 2,975 |
| Total domestic deposits to total assets | 70.4583% | 5,031 |
| Equity capital to assets | 10.3019% | 3,693 |
| Core capital (leverage) ratio | 9.9619% | 3,622 |
| Tier 1 risk-based capital ratio | 18.7715% | 1,608 |
| Total risk-based capital ratio | 19.7091% | 1,646 |
| Memoranda: | ||
| Average total assets | $91,821,000 | 4,191 |
| Average earning assets | $89,506,000 | 4,125 |
| Average equity | $9,851,330 | 4,321 |
| Average total loans | $43,489,000 | 4,405 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 4,436 |
| Cost of funding earning assets | 0.9546% | 1,770 |
| Net interest margin | 3.0136% | 4,731 |
| Noninterest income to average assets | 0.1641% | 4,754 |
| Noninterest expense to average assets | 2.1019% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8822% | 3,300 |
| Return on assets (ROA) | 0.8982% | 3,296 |
| Pretax return on assets | 1.0167% | 3,391 |
| Return on Equity (ROE) | 8.1862% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.8953% | 1,707 |
| Net charge-offs to loans | 0.1768% | 777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 11.5263% | 1,902 |
| Efficiency ratio | 67.7941% | 2,666 |
| Assets per employee ($millions) | 7.2218% | 908 |
| Cash dividends to net income (ytd only)* | 3.5533% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 3,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.9649% | 4,530 |
| Net loans and leases to deposits | 74.7077% | 3,382 |
| Net loans and leases to core deposits | 83.1892% | 3,092 |
| Total domestic deposits to total assets | 65.5420% | 5,212 |
| Equity capital to assets | 11.2991% | 2,563 |
| Core capital (leverage) ratio | 10.7482% | 2,803 |
| Tier 1 risk-based capital ratio | 19.4979% | 1,439 |
| Total risk-based capital ratio | 20.4984% | 1,466 |
| Memoranda: | ||
| Average total assets | $87,731,000 | 4,299 |
| Average earning assets | $85,478,500 | 4,232 |
| Average equity | $9,626,000 | 4,385 |
| Average total loans | $42,997,500 | 4,462 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 4,727 |
| Cost of funding earning assets | 0.7607% | 1,735 |
| Net interest margin | 2.8998% | 4,922 |
| Noninterest income to average assets | 0.2572% | 4,390 |
| Noninterest expense to average assets | 2.3292% | 4,049 |
| Loan and lease loss provision to assets | 0.0178% | 3,800 |
| Net operating income to assets | 0.6816% | 4,194 |
| Return on assets (ROA) | 0.6816% | 4,197 |
| Pretax return on assets | 0.7254% | 4,350 |
| Return on Equity (ROE) | 6.2490% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.5644% | 2,444 |
| Net charge-offs to loans | -0.0024% | 4,255 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8102% | 1,392 |
| Assets per employee ($millions) | 5.9200% | 1,575 |
| Cash dividends to net income (ytd only)* | 10.9565% | 3,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 2,795 |
| Loan loss allowance to noncurrent loans | 1,185.7143% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,612 |
| Noncurrent loans to loans | 0.0975% | 4,301 |
| Net loans and leases to total assets | 47.9550% | 4,643 |
| Net loans and leases to deposits | 69.8098% | 3,843 |
| Net loans and leases to core deposits | 79.1054% | 3,492 |
| Total domestic deposits to total assets | 68.6937% | 5,194 |
| Equity capital to assets | 10.6532% | 3,024 |
| Core capital (leverage) ratio | 10.7869% | 2,747 |
| Tier 1 risk-based capital ratio | 19.1942% | 1,479 |
| Total risk-based capital ratio | 20.2306% | 1,483 |
| Memoranda: | ||
| Average total assets | $84,363,200 | 4,352 |
| Average earning assets | $81,903,400 | 4,290 |
| Average equity | $9,201,400 | 4,437 |
| Average total loans | $41,881,600 | 4,498 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5957% | 4,814 |
| Cost of funding earning assets | 0.7231% | 1,735 |
| Net interest margin | 2.8726% | 5,012 |
| Noninterest income to average assets | 0.2370% | 4,553 |
| Noninterest expense to average assets | 2.2613% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6934% | 4,244 |
| Return on assets (ROA) | 0.6934% | 4,252 |
| Pretax return on assets | 0.7623% | 4,395 |
| Return on Equity (ROE) | 6.3187% | 4,164 |
| Retained earnings to average equity (ytd only) | 6.1581% | 2,575 |
| Net charge-offs to loans | 0.0962% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 15.8663% | 2,196 |
| Efficiency ratio | 74.7881% | 1,483 |
| Assets per employee ($millions) | 4.9888% | 2,479 |
| Cash dividends to net income (ytd only)* | 2.5411% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,348 |
| Loan loss allowance to noncurrent loans | 434.6154% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 3,807 |
| Noncurrent loans to loans | 0.2465% | 3,809 |
| Net loans and leases to total assets | 49.2112% | 4,647 |
| Net loans and leases to deposits | 72.5692% | 3,724 |
| Net loans and leases to core deposits | 82.9560% | 3,251 |
| Total domestic deposits to total assets | 67.8128% | 5,286 |
| Equity capital to assets | 10.8560% | 2,792 |
| Core capital (leverage) ratio | 10.8489% | 2,735 |
| Tier 1 risk-based capital ratio | 19.6188% | 1,416 |
| Total risk-based capital ratio | 20.6102% | 1,430 |
| Memoranda: | ||
| Average total assets | $83,254,000 | 4,418 |
| Average earning assets | $80,762,000 | 4,353 |
| Average equity | $9,136,750 | 4,486 |
| Average total loans | $41,581,500 | 4,551 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 4,841 |
| Cost of funding earning assets | 0.6727% | 1,792 |
| Net interest margin | 2.8827% | 5,037 |
| Noninterest income to average assets | 0.2490% | 4,515 |
| Noninterest expense to average assets | 2.1466% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8146% | 3,807 |
| Return on assets (ROA) | 0.8146% | 3,814 |
| Pretax return on assets | 0.8993% | 3,970 |
| Return on Equity (ROE) | 7.3958% | 3,768 |
| Retained earnings to average equity (ytd only) | 7.3080% | 1,915 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4762% | 2,242 |
| Assets per employee ($millions) | 4.5544% | 3,045 |
| Cash dividends to net income (ytd only)* | 1.1869% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,887 |
| Loan loss allowance to noncurrent loans | 512.7660% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 3,886 |
| Noncurrent loans to loans | 0.2279% | 3,903 |
| Net loans and leases to total assets | 49.7182% | 4,623 |
| Net loans and leases to deposits | 77.9659% | 3,162 |
| Net loans and leases to core deposits | 86.9451% | 2,828 |
| Total domestic deposits to total assets | 63.7692% | 5,417 |
| Equity capital to assets | 11.3759% | 2,291 |
| Core capital (leverage) ratio | 10.7880% | 2,713 |
| Tier 1 risk-based capital ratio | 18.5499% | 1,664 |
| Total risk-based capital ratio | 19.5772% | 1,683 |
| Memoranda: | ||
| Average total assets | $82,735,330 | 4,473 |
| Average earning assets | $80,271,000 | 4,397 |
| Average equity | $9,113,330 | 4,524 |
| Average total loans | $41,379,330 | 4,602 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 4,968 |
| Cost of funding earning assets | 0.6350% | 1,810 |
| Net interest margin | 2.8030% | 5,154 |
| Noninterest income to average assets | 0.1877% | 4,898 |
| Noninterest expense to average assets | 2.1224% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6978% | 4,108 |
| Return on assets (ROA) | 0.6978% | 4,115 |
| Pretax return on assets | 0.7845% | 4,191 |
| Return on Equity (ROE) | 6.4394% | 4,008 |
| Retained earnings to average equity (ytd only) | 6.2618% | 2,601 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0132% | 2,040 |
| Assets per employee ($millions) | 5.4425% | 1,994 |
| Cash dividends to net income (ytd only)* | 2.7586% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 2,960 |
| Loan loss allowance to noncurrent loans | 688.5714% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 4,107 |
| Noncurrent loans to loans | 0.1705% | 4,214 |
| Net loans and leases to total assets | 49.6950% | 4,583 |
| Net loans and leases to deposits | 76.4822% | 3,159 |
| Net loans and leases to core deposits | 95.0050% | 2,058 |
| Total domestic deposits to total assets | 64.9759% | 5,476 |
| Equity capital to assets | 11.0684% | 2,513 |
| Core capital (leverage) ratio | 10.3095% | 3,180 |
| Tier 1 risk-based capital ratio | 18.8659% | 1,586 |
| Total risk-based capital ratio | 19.9373% | 1,596 |
| Memoranda: | ||
| Average total assets | $83,113,000 | 4,514 |
| Average earning assets | $80,627,000 | 4,440 |
| Average equity | $9,007,000 | 4,583 |
| Average total loans | $41,448,500 | 4,649 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6336% | 4,495 |
| Cost of funding earning assets | 0.4549% | 2,722 |
| Net interest margin | 3.1787% | 4,498 |
| Noninterest income to average assets | 0.1463% | 5,218 |
| Noninterest expense to average assets | 2.3344% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8300% | 3,034 |
| Return on assets (ROA) | 0.8300% | 3,070 |
| Pretax return on assets | 0.8885% | 3,951 |
| Return on Equity (ROE) | 7.2487% | 3,152 |
| Retained earnings to average equity (ytd only) | 6.4588% | 1,296 |
| Net charge-offs to loans | 0.0819% | 2,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 19.6471% | 2,012 |
| Efficiency ratio | 72.4309% | 2,158 |
| Assets per employee ($millions) | 5.6392% | 1,803 |
| Cash dividends to net income (ytd only)* | 10.8974% | 3,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 3,045 |
| Loan loss allowance to noncurrent loans | 153.9936% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 2,956 |
| Noncurrent loans to loans | 0.7480% | 2,334 |
| Net loans and leases to total assets | 48.8994% | 4,708 |
| Net loans and leases to deposits | 74.7151% | 3,455 |
| Net loans and leases to core deposits | 92.2787% | 2,346 |
| Total domestic deposits to total assets | 65.4478% | 5,529 |
| Equity capital to assets | 10.6138% | 3,034 |
| Core capital (leverage) ratio | 10.0887% | 3,340 |
| Tier 1 risk-based capital ratio | 17.9442% | 1,816 |
| Total risk-based capital ratio | 18.9811% | 1,827 |
| Memoranda: | ||
| Average total assets | $75,180,000 | 4,685 |
| Average earning assets | $72,765,400 | 4,604 |
| Average equity | $8,608,400 | 4,686 |
| Average total loans | $41,500,000 | 4,681 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6536% | 4,438 |
| Cost of funding earning assets | 0.3954% | 3,246 |
| Net interest margin | 3.2582% | 4,301 |
| Noninterest income to average assets | 0.1356% | 5,329 |
| Noninterest expense to average assets | 2.4120% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8193% | 3,440 |
| Return on assets (ROA) | 0.8193% | 3,481 |
| Pretax return on assets | 0.8798% | 4,103 |
| Return on Equity (ROE) | 6.9985% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.9985% | 1,688 |
| Net charge-offs to loans | 0.1095% | 1,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 14.1182% | 2,317 |
| Efficiency ratio | 73.2739% | 2,002 |
| Assets per employee ($millions) | 5.6047% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 3,147 |
| Loan loss allowance to noncurrent loans | 153.9936% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 2,792 |
| Noncurrent loans to loans | 0.7532% | 2,478 |
| Net loans and leases to total assets | 52.3462% | 4,544 |
| Net loans and leases to deposits | 77.0330% | 3,268 |
| Net loans and leases to core deposits | 95.7414% | 2,104 |
| Total domestic deposits to total assets | 67.9530% | 5,539 |
| Equity capital to assets | 11.3438% | 2,529 |
| Core capital (leverage) ratio | 10.7582% | 2,694 |
| Tier 1 risk-based capital ratio | 18.7517% | 1,661 |
| Total risk-based capital ratio | 19.8493% | 1,653 |
| Memoranda: | ||
| Average total assets | $72,746,750 | 4,779 |
| Average earning assets | $70,467,000 | 4,704 |
| Average equity | $8,516,000 | 4,744 |
| Average total loans | $41,413,750 | 4,729 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6849% | 4,271 |
| Cost of funding earning assets | 0.3273% | 3,828 |
| Net interest margin | 3.3576% | 3,920 |
| Noninterest income to average assets | 0.1468% | 5,328 |
| Noninterest expense to average assets | 2.4675% | 3,859 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8667% | 3,090 |
| Return on assets (ROA) | 0.8667% | 3,144 |
| Pretax return on assets | 0.9232% | 3,855 |
| Return on Equity (ROE) | 7.3203% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.3203% | 1,442 |
| Net charge-offs to loans | 0.1982% | 1,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.9756% | 2,551 |
| Efficiency ratio | 72.7727% | 2,218 |
| Assets per employee ($millions) | 5.1625% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,365 |
| Loan loss allowance to noncurrent loans | 131.9444% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 2,810 |
| Noncurrent loans to loans | 0.8648% | 2,251 |
| Net loans and leases to total assets | 53.1438% | 4,475 |
| Net loans and leases to deposits | 80.3126% | 2,875 |
| Net loans and leases to core deposits | 95.5070% | 2,025 |
| Total domestic deposits to total assets | 66.1712% | 5,635 |
| Equity capital to assets | 11.3266% | 2,471 |
| Core capital (leverage) ratio | 11.4192% | 2,029 |
| Tier 1 risk-based capital ratio | 18.8901% | 1,611 |
| Total risk-based capital ratio | 20.0000% | 1,615 |
| Memoranda: | ||
| Average total assets | $70,840,330 | 4,849 |
| Average earning assets | $68,441,670 | 4,777 |
| Average equity | $8,387,670 | 4,786 |
| Average total loans | $41,366,330 | 4,766 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8688% | 3,512 |
| Cost of funding earning assets | 0.3085% | 3,953 |
| Net interest margin | 3.5603% | 3,042 |
| Noninterest income to average assets | 0.1481% | 5,376 |
| Noninterest expense to average assets | 2.6058% | 3,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8943% | 2,793 |
| Return on assets (ROA) | 0.8943% | 2,838 |
| Pretax return on assets | 0.9594% | 3,548 |
| Return on Equity (ROE) | 7.3694% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.3694% | 1,706 |
| Net charge-offs to loans | 0.3977% | 461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.9512% | 2,435 |
| Efficiency ratio | 73.0897% | 2,391 |
| Assets per employee ($millions) | 4.4455% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 3,394 |
| Loan loss allowance to noncurrent loans | 97.1370% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.8758% | 2,110 |
| Noncurrent loans to loans | 1.1878% | 1,701 |
| Net loans and leases to total assets | 61.0285% | 3,658 |
| Net loans and leases to deposits | 84.0268% | 2,284 |
| Net loans and leases to core deposits | 89.5577% | 2,391 |
| Total domestic deposits to total assets | 72.6298% | 5,511 |
| Equity capital to assets | 12.5716% | 1,484 |
| Core capital (leverage) ratio | 11.7442% | 1,791 |
| Tier 1 risk-based capital ratio | 19.1498% | 1,576 |
| Total risk-based capital ratio | 20.2990% | 1,566 |
| Memoranda: | ||
| Average total assets | $67,542,000 | 4,962 |
| Average earning assets | $64,826,000 | 4,907 |
| Average equity | $8,196,000 | 4,861 |
| Average total loans | $41,235,500 | 4,807 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7953% | 3,930 |
| Cost of funding earning assets | 0.2166% | 4,870 |
| Net interest margin | 3.5786% | 3,144 |
| Noninterest income to average assets | 0.1587% | 5,418 |
| Noninterest expense to average assets | 2.4662% | 4,114 |
| Loan and lease loss provision to assets | 0.0534% | 3,316 |
| Net operating income to assets | 0.9052% | 2,793 |
| Return on assets (ROA) | 0.9254% | 2,818 |
| Pretax return on assets | 1.0930% | 3,130 |
| Return on Equity (ROE) | 7.8838% | 3,011 |
| Retained earnings to average equity (ytd only) | 6.9867% | 1,232 |
| Net charge-offs to loans | -0.1123% | 5,622 |
| Credit loss provision to net charge-offs | -81.8182% | 4,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7190% | 3,124 |
| Assets per employee ($millions) | 4.2751% | 3,483 |
| Cash dividends to net income (ytd only)* | 11.3782% | 3,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,826 |
| Loan loss allowance to noncurrent loans | 95.9108% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 0.9254% | 2,049 |
| Noncurrent loans to loans | 1.3026% | 1,574 |
| Net loans and leases to total assets | 59.6254% | 3,894 |
| Net loans and leases to deposits | 83.1397% | 2,520 |
| Net loans and leases to core deposits | 90.6696% | 2,441 |
| Total domestic deposits to total assets | 71.7172% | 5,583 |
| Equity capital to assets | 11.7087% | 2,004 |
| Core capital (leverage) ratio | 11.7227% | 1,778 |
| Tier 1 risk-based capital ratio | 18.4604% | 1,736 |
| Total risk-based capital ratio | 19.6583% | 1,718 |
| Memoranda: | ||
| Average total assets | $67,432,000 | 4,982 |
| Average earning assets | $64,633,400 | 4,928 |
| Average equity | $7,915,000 | 4,947 |
| Average total loans | $39,176,000 | 4,904 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 4,242 |
| Cost of funding earning assets | 0.1839% | 5,234 |
| Net interest margin | 3.5196% | 3,397 |
| Noninterest income to average assets | 0.1587% | 5,479 |
| Noninterest expense to average assets | 2.3416% | 4,430 |
| Loan and lease loss provision to assets | 0.0714% | 2,785 |
| Net operating income to assets | 0.9669% | 2,583 |
| Return on assets (ROA) | 0.9942% | 2,602 |
| Pretax return on assets | 1.1569% | 3,014 |
| Return on Equity (ROE) | 8.4646% | 2,776 |
| Retained earnings to average equity (ytd only) | 7.6536% | 1,336 |
| Net charge-offs to loans | -0.1691% | 5,719 |
| Credit loss provision to net charge-offs | -73.4694% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1806% | 3,561 |
| Assets per employee ($millions) | 4.2922% | 3,430 |
| Cash dividends to net income (ytd only)* | 9.5811% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 2,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 4,884 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 58.4288% | 4,056 |
| Net loans and leases to deposits | 82.9855% | 2,600 |
| Net loans and leases to core deposits | 94.6100% | 2,141 |
| Total domestic deposits to total assets | 70.4084% | 5,673 |
| Equity capital to assets | 11.7670% | 2,289 |
| Core capital (leverage) ratio | 11.6115% | 1,945 |
| Tier 1 risk-based capital ratio | 18.3762% | 1,812 |
| Total risk-based capital ratio | 19.6059% | 1,787 |
| Memoranda: | ||
| Average total assets | $67,189,500 | 5,034 |
| Average earning assets | $64,513,500 | 4,971 |
| Average equity | $7,891,500 | 5,005 |
| Average total loans | $38,644,750 | 4,968 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 4,482 |
| Cost of funding earning assets | 0.1901% | 5,238 |
| Net interest margin | 3.4468% | 3,698 |
| Noninterest income to average assets | 0.1499% | 5,550 |
| Noninterest expense to average assets | 2.3600% | 4,454 |
| Loan and lease loss provision to assets | 0.0540% | 3,067 |
| Net operating income to assets | 0.9234% | 2,753 |
| Return on assets (ROA) | 0.9656% | 2,690 |
| Pretax return on assets | 1.1005% | 3,196 |
| Return on Equity (ROE) | 8.2265% | 2,872 |
| Retained earnings to average equity (ytd only) | 7.0258% | 1,587 |
| Net charge-offs to loans | 0.1843% | 1,239 |
| Credit loss provision to net charge-offs | 51.4286% | 2,655 |
| Earnings coverage of net charge-offs (x) | 10.5429% | 2,329 |
| Efficiency ratio | 68.0796% | 3,329 |
| Assets per employee ($millions) | 4.4693% | 3,087 |
| Cash dividends to net income (ytd only)* | 14.5963% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 4,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 58.3302% | 4,085 |
| Net loans and leases to deposits | 81.1893% | 2,793 |
| Net loans and leases to core deposits | 94.5706% | 2,103 |
| Total domestic deposits to total assets | 71.8447% | 5,677 |
| Equity capital to assets | 11.9900% | 2,127 |
| Core capital (leverage) ratio | 11.5921% | 1,917 |
| Tier 1 risk-based capital ratio | 19.2320% | 1,643 |
| Total risk-based capital ratio | 20.2947% | 1,655 |
| Memoranda: | ||
| Average total assets | $66,694,330 | 5,089 |
| Average earning assets | $64,176,000 | 5,026 |
| Average equity | $7,828,330 | 5,056 |
| Average total loans | $37,977,330 | 5,041 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5654% | 4,725 |
| Cost of funding earning assets | 0.1817% | 5,360 |
| Net interest margin | 3.3837% | 3,924 |
| Noninterest income to average assets | 0.1564% | 5,555 |
| Noninterest expense to average assets | 2.3634% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9468% | 2,524 |
| Return on assets (ROA) | 1.0344% | 2,267 |
| Pretax return on assets | 1.1366% | 2,950 |
| Return on Equity (ROE) | 8.9079% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.9079% | 1,142 |
| Net charge-offs to loans | -0.0108% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4346% | 3,223 |
| Assets per employee ($millions) | 4.3540% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 57.8426% | 4,061 |
| Net loans and leases to deposits | 75.7084% | 3,250 |
| Net loans and leases to core deposits | 80.9276% | 3,241 |
| Total domestic deposits to total assets | 76.4018% | 5,369 |
| Equity capital to assets | 11.6307% | 2,308 |
| Core capital (leverage) ratio | 11.4212% | 2,035 |
| Tier 1 risk-based capital ratio | 18.3313% | 1,901 |
| Total risk-based capital ratio | 19.4056% | 1,905 |
| Memoranda: | ||
| Average total assets | $66,514,000 | 5,135 |
| Average earning assets | $63,836,000 | 5,082 |
| Average equity | $7,723,500 | 5,105 |
| Average total loans | $37,204,500 | 5,107 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6107% | 4,639 |
| Cost of funding earning assets | 0.1751% | 5,501 |
| Net interest margin | 3.4356% | 3,774 |
| Noninterest income to average assets | 0.1662% | 5,588 |
| Noninterest expense to average assets | 2.6566% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7275% | 3,683 |
| Return on assets (ROA) | 0.7203% | 3,816 |
| Pretax return on assets | 0.7948% | 4,207 |
| Return on Equity (ROE) | 6.1003% | 3,991 |
| Retained earnings to average equity (ytd only) | 4.7864% | 2,591 |
| Net charge-offs to loans | -0.0111% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7963% | 2,150 |
| Assets per employee ($millions) | 4.5145% | 3,024 |
| Cash dividends to net income (ytd only)* | 21.5385% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 3,455 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 52.8058% | 4,621 |
| Net loans and leases to deposits | 67.8874% | 4,138 |
| Net loans and leases to core deposits | 72.7400% | 4,067 |
| Total domestic deposits to total assets | 77.7843% | 5,206 |
| Equity capital to assets | 11.5937% | 2,285 |
| Core capital (leverage) ratio | 11.4545% | 1,999 |
| Tier 1 risk-based capital ratio | 19.0871% | 1,687 |
| Total risk-based capital ratio | 20.1921% | 1,678 |
| Memoranda: | ||
| Average total assets | $63,164,200 | 5,238 |
| Average earning assets | $60,541,800 | 5,171 |
| Average equity | $7,458,600 | 5,158 |
| Average total loans | $35,981,800 | 5,153 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6328% | 4,634 |
| Cost of funding earning assets | 0.1724% | 5,608 |
| Net interest margin | 3.4603% | 3,718 |
| Noninterest income to average assets | 0.1634% | 5,666 |
| Noninterest expense to average assets | 2.6010% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8004% | 3,424 |
| Return on assets (ROA) | 0.7868% | 3,581 |
| Pretax return on assets | 0.8684% | 4,097 |
| Return on Equity (ROE) | 6.6298% | 3,824 |
| Retained earnings to average equity (ytd only) | 5.7423% | 2,406 |
| Net charge-offs to loans | -0.0074% | 4,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6453% | 2,450 |
| Assets per employee ($millions) | 4.3087% | 3,307 |
| Cash dividends to net income (ytd only)* | 13.3876% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 3,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 56.0235% | 4,355 |
| Net loans and leases to deposits | 72.8546% | 3,665 |
| Net loans and leases to core deposits | 89.8083% | 2,487 |
| Total domestic deposits to total assets | 76.8977% | 5,358 |
| Equity capital to assets | 11.3786% | 2,608 |
| Core capital (leverage) ratio | 11.8633% | 1,767 |
| Tier 1 risk-based capital ratio | 18.9958% | 1,777 |
| Total risk-based capital ratio | 20.0958% | 1,780 |
| Memoranda: | ||
| Average total assets | $62,025,750 | 5,340 |
| Average earning assets | $59,530,750 | 5,261 |
| Average equity | $7,360,500 | 5,243 |
| Average total loans | $35,928,500 | 5,218 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6185% | 4,670 |
| Cost of funding earning assets | 0.1670% | 5,726 |
| Net interest margin | 3.4516% | 3,703 |
| Noninterest income to average assets | 0.1602% | 5,750 |
| Noninterest expense to average assets | 2.5475% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8422% | 3,159 |
| Return on assets (ROA) | 0.8274% | 3,343 |
| Pretax return on assets | 0.9091% | 3,922 |
| Return on Equity (ROE) | 6.8725% | 3,685 |
| Retained earnings to average equity (ytd only) | 5.5415% | 2,515 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3522% | 2,773 |
| Assets per employee ($millions) | 4.1488% | 3,573 |
| Cash dividends to net income (ytd only)* | 19.3676% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 3,756 |
| Loan loss allowance to noncurrent loans | 533.3333% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 5,334 |
| Noncurrent loans to loans | 0.2261% | 4,872 |
| Net loans and leases to total assets | 56.8630% | 4,239 |
| Net loans and leases to deposits | 74.3065% | 3,457 |
| Net loans and leases to core deposits | 89.9997% | 2,351 |
| Total domestic deposits to total assets | 76.5249% | 5,532 |
| Equity capital to assets | 11.8830% | 2,116 |
| Core capital (leverage) ratio | 12.5382% | 1,360 |
| Tier 1 risk-based capital ratio | 18.8810% | 1,815 |
| Total risk-based capital ratio | 19.9867% | 1,831 |
| Memoranda: | ||
| Average total assets | $61,157,670 | 5,415 |
| Average earning assets | $58,697,670 | 5,340 |
| Average equity | $7,362,670 | 5,285 |
| Average total loans | $35,690,670 | 5,271 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 4,076 |
| Cost of funding earning assets | 0.3101% | 4,325 |
| Net interest margin | 3.4736% | 3,536 |
| Noninterest income to average assets | 6.7172% | 103 |
| Noninterest expense to average assets | 9.1058% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8578% | 2,972 |
| Return on assets (ROA) | 0.8578% | 3,091 |
| Pretax return on assets | 0.9370% | 3,757 |
| Return on Equity (ROE) | 7.0782% | 3,464 |
| Retained earnings to average equity (ytd only) | 6.9693% | 2,023 |
| Net charge-offs to loans | -0.0561% | 5,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6702% | 801 |
| Assets per employee ($millions) | 3.9852% | 3,992 |
| Cash dividends to net income (ytd only)* | 1.5385% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 3,726 |
| Loan loss allowance to noncurrent loans | 128.5294% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5688% | 3,774 |
| Noncurrent loans to loans | 0.9667% | 2,836 |
| Net loans and leases to total assets | 58.1033% | 3,932 |
| Net loans and leases to deposits | 73.9929% | 3,316 |
| Net loans and leases to core deposits | 80.1463% | 3,140 |
| Total domestic deposits to total assets | 78.5255% | 5,348 |
| Equity capital to assets | 12.3892% | 1,763 |
| Core capital (leverage) ratio | 12.2108% | 1,502 |
| Tier 1 risk-based capital ratio | 19.7907% | 1,671 |
| Total risk-based capital ratio | 20.9754% | 1,647 |
| Memoranda: | ||
| Average total assets | $60,620,500 | 5,488 |
| Average earning assets | $58,037,500 | 5,417 |
| Average equity | $7,346,500 | 5,334 |
| Average total loans | $35,626,500 | 5,315 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 5,013 |
| Cost of funding earning assets | 0.1862% | 5,866 |
| Net interest margin | 3.4395% | 4,023 |
| Noninterest income to average assets | 0.1268% | 6,059 |
| Noninterest expense to average assets | 2.6886% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6479% | 4,156 |
| Return on assets (ROA) | 0.6325% | 4,329 |
| Pretax return on assets | 0.6893% | 4,661 |
| Return on Equity (ROE) | 5.2032% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.0912% | 3,289 |
| Net charge-offs to loans | -0.0928% | 6,094 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2035% | 2,037 |
| Assets per employee ($millions) | 4.0975% | 3,724 |
| Cash dividends to net income (ytd only)* | 21.3720% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 4,018 |
| Loan loss allowance to noncurrent loans | 116.1290% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 3,777 |
| Noncurrent loans to loans | 1.0310% | 2,764 |
| Net loans and leases to total assets | 58.0040% | 4,045 |
| Net loans and leases to deposits | 71.9699% | 3,685 |
| Net loans and leases to core deposits | 78.8669% | 3,426 |
| Total domestic deposits to total assets | 80.5948% | 4,859 |
| Equity capital to assets | 11.8559% | 2,125 |
| Core capital (leverage) ratio | 12.2920% | 1,455 |
| Tier 1 risk-based capital ratio | 19.3129% | 1,770 |
| Total risk-based capital ratio | 20.4050% | 1,771 |
| Memoranda: | ||
| Average total assets | $59,919,600 | 5,551 |
| Average earning assets | $56,926,800 | 5,491 |
| Average equity | $7,284,000 | 5,352 |
| Average total loans | $33,401,600 | 5,424 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 3,519 |
| Cost of funding earning assets | 0.6305% | 1,598 |
| Net interest margin | 3.4309% | 4,106 |
| Noninterest income to average assets | 0.1187% | 6,170 |
| Noninterest expense to average assets | 3.0570% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2921% | 5,614 |
| Return on assets (ROA) | 0.6316% | 4,401 |
| Pretax return on assets | 0.6808% | 4,759 |
| Return on Equity (ROE) | 5.1624% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.5583% | 3,403 |
| Net charge-offs to loans | -0.1181% | 6,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6375% | 800 |
| Assets per employee ($millions) | 4.0301% | 3,814 |
| Cash dividends to net income (ytd only)* | 11.7024% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 4,055 |
| Loan loss allowance to noncurrent loans | 130.6991% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 4,239 |
| Noncurrent loans to loans | 0.9432% | 3,205 |
| Net loans and leases to total assets | 56.9933% | 4,203 |
| Net loans and leases to deposits | 70.9347% | 3,807 |
| Net loans and leases to core deposits | 85.6145% | 2,704 |
| Total domestic deposits to total assets | 80.3461% | 4,999 |
| Equity capital to assets | 12.6433% | 1,614 |
| Core capital (leverage) ratio | 12.5564% | 1,375 |
| Tier 1 risk-based capital ratio | 19.7559% | 1,725 |
| Total risk-based capital ratio | 20.8750% | 1,723 |
| Memoranda: | ||
| Average total assets | $59,533,750 | 5,622 |
| Average earning assets | $56,465,750 | 5,564 |
| Average equity | $7,283,250 | 5,393 |
| Average total loans | $32,731,250 | 5,507 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 3,860 |
| Cost of funding earning assets | 0.6096% | 1,816 |
| Net interest margin | 3.3581% | 4,362 |
| Noninterest income to average assets | 0.1081% | 6,254 |
| Noninterest expense to average assets | 2.9074% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3489% | 5,406 |
| Return on assets (ROA) | 0.5943% | 4,477 |
| Pretax return on assets | 0.6483% | 4,792 |
| Return on Equity (ROE) | 4.9139% | 4,717 |
| Retained earnings to average equity (ytd only) | 3.9926% | 3,642 |
| Net charge-offs to loans | -0.3748% | 6,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3984% | 1,050 |
| Assets per employee ($millions) | 3.7376% | 4,374 |
| Cash dividends to net income (ytd only)* | 18.7500% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 3,402 |
| Loan loss allowance to noncurrent loans | 334.7826% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 5,407 |
| Noncurrent loans to loans | 0.4154% | 4,743 |
| Net loans and leases to total assets | 54.7824% | 4,437 |
| Net loans and leases to deposits | 67.2793% | 4,142 |
| Net loans and leases to core deposits | 78.5786% | 3,372 |
| Total domestic deposits to total assets | 81.4254% | 4,834 |
| Equity capital to assets | 12.3608% | 1,731 |
| Core capital (leverage) ratio | 12.8251% | 1,228 |
| Tier 1 risk-based capital ratio | 20.1015% | 1,662 |
| Total risk-based capital ratio | 21.3235% | 1,641 |
| Memoranda: | ||
| Average total assets | $59,228,000 | 5,680 |
| Average earning assets | $56,103,000 | 5,616 |
| Average equity | $7,163,330 | 5,445 |
| Average total loans | $32,014,000 | 5,576 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8961% | 4,098 |
| Cost of funding earning assets | 0.5740% | 2,212 |
| Net interest margin | 3.3221% | 4,452 |
| Noninterest income to average assets | 0.1086% | 6,301 |
| Noninterest expense to average assets | 2.5653% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6226% | 4,081 |
| Return on assets (ROA) | 0.5361% | 4,596 |
| Pretax return on assets | 0.5904% | 4,859 |
| Return on Equity (ROE) | 4.4829% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.4829% | 3,429 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9144% | 2,349 |
| Assets per employee ($millions) | 3.8546% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 4,184 |
| Loan loss allowance to noncurrent loans | 114.8571% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.0083% | 3,245 |
| Noncurrent loans to loans | 1.1220% | 3,180 |
| Net loans and leases to total assets | 53.2541% | 4,517 |
| Net loans and leases to deposits | 63.6691% | 4,353 |
| Net loans and leases to core deposits | 74.9647% | 3,527 |
| Total domestic deposits to total assets | 83.6421% | 4,404 |
| Equity capital to assets | 12.4284% | 1,619 |
| Core capital (leverage) ratio | 12.5861% | 1,346 |
| Tier 1 risk-based capital ratio | 21.7586% | 1,330 |
| Total risk-based capital ratio | 22.9344% | 1,320 |
| Memoranda: | ||
| Average total assets | $58,941,000 | 5,742 |
| Average earning assets | $55,748,500 | 5,679 |
| Average equity | $7,049,000 | 5,501 |
| Average total loans | $31,409,500 | 5,658 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 4,314 |
| Cost of funding earning assets | 0.3378% | 5,265 |
| Net interest margin | 3.6035% | 3,452 |
| Noninterest income to average assets | 0.2078% | 5,838 |
| Noninterest expense to average assets | 2.7069% | 4,072 |
| Loan and lease loss provision to assets | 0.0924% | 3,266 |
| Net operating income to assets | 0.6819% | 3,891 |
| Return on assets (ROA) | 0.7247% | 3,770 |
| Pretax return on assets | 0.8703% | 3,886 |
| Return on Equity (ROE) | 5.9206% | 4,131 |
| Retained earnings to average equity (ytd only) | 4.7452% | 2,781 |
| Net charge-offs to loans | 0.1401% | 3,408 |
| Credit loss provision to net charge-offs | 118.1818% | 2,031 |
| Earnings coverage of net charge-offs (x) | 11.6591% | 2,213 |
| Efficiency ratio | 74.8159% | 2,988 |
| Assets per employee ($millions) | 4.0042% | 3,855 |
| Cash dividends to net income (ytd only)* | 19.8529% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 4,287 |
| Loan loss allowance to noncurrent loans | 168.2008% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 3,922 |
| Noncurrent loans to loans | 0.7557% | 4,079 |
| Net loans and leases to total assets | 51.9854% | 4,849 |
| Net loans and leases to deposits | 61.2451% | 4,800 |
| Net loans and leases to core deposits | 71.9546% | 4,077 |
| Total domestic deposits to total assets | 84.8809% | 3,808 |
| Equity capital to assets | 11.5079% | 2,160 |
| Core capital (leverage) ratio | 12.5616% | 1,326 |
| Tier 1 risk-based capital ratio | 20.1388% | 1,621 |
| Total risk-based capital ratio | 21.2387% | 1,627 |
| Memoranda: | ||
| Average total assets | $56,300,400 | 5,855 |
| Average earning assets | $53,281,400 | 5,795 |
| Average equity | $6,891,200 | 5,598 |
| Average total loans | $31,397,200 | 5,693 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 4,357 |
| Cost of funding earning assets | 0.3072% | 5,672 |
| Net interest margin | 3.6305% | 3,317 |
| Noninterest income to average assets | 0.2143% | 5,896 |
| Noninterest expense to average assets | 2.7890% | 3,698 |
| Loan and lease loss provision to assets | 0.1252% | 2,730 |
| Net operating income to assets | 0.6294% | 4,223 |
| Return on assets (ROA) | 0.6888% | 4,051 |
| Pretax return on assets | 0.8140% | 4,244 |
| Return on Equity (ROE) | 5.5376% | 4,451 |
| Retained earnings to average equity (ytd only) | 4.6083% | 3,390 |
| Net charge-offs to loans | 0.1872% | 2,724 |
| Credit loss provision to net charge-offs | 118.1818% | 1,987 |
| Earnings coverage of net charge-offs (x) | 8.2039% | 2,662 |
| Efficiency ratio | 76.2344% | 2,693 |
| Assets per employee ($millions) | 3.7579% | 4,328 |
| Cash dividends to net income (ytd only)* | 16.7838% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 4,530 |
| Loan loss allowance to noncurrent loans | 293.4307% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 4,467 |
| Noncurrent loans to loans | 0.4335% | 5,112 |
| Net loans and leases to total assets | 55.3549% | 4,407 |
| Net loans and leases to deposits | 65.6035% | 4,346 |
| Net loans and leases to core deposits | 81.0194% | 2,999 |
| Total domestic deposits to total assets | 84.3779% | 4,040 |
| Equity capital to assets | 11.9303% | 1,958 |
| Core capital (leverage) ratio | 12.6615% | 1,343 |
| Tier 1 risk-based capital ratio | 22.2115% | 1,281 |
| Total risk-based capital ratio | 23.4550% | 1,263 |
| Memoranda: | ||
| Average total assets | $55,359,750 | 5,956 |
| Average earning assets | $52,517,250 | 5,885 |
| Average equity | $6,886,000 | 5,670 |
| Average total loans | $31,340,000 | 5,749 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 4,388 |
| Cost of funding earning assets | 0.2605% | 6,099 |
| Net interest margin | 3.6629% | 3,122 |
| Noninterest income to average assets | 0.2036% | 5,991 |
| Noninterest expense to average assets | 2.7334% | 3,914 |
| Loan and lease loss provision to assets | 0.1890% | 2,001 |
| Net operating income to assets | 0.6335% | 4,137 |
| Return on assets (ROA) | 0.7342% | 3,802 |
| Pretax return on assets | 0.8760% | 4,005 |
| Return on Equity (ROE) | 5.8216% | 4,272 |
| Retained earnings to average equity (ytd only) | 4.4383% | 3,449 |
| Net charge-offs to loans | 0.2816% | 2,069 |
| Credit loss provision to net charge-offs | 118.1818% | 1,880 |
| Earnings coverage of net charge-offs (x) | 5.9091% | 2,808 |
| Efficiency ratio | 74.3083% | 3,074 |
| Assets per employee ($millions) | 3.9684% | 3,876 |
| Cash dividends to net income (ytd only)* | 23.7624% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 4,501 |
| Loan loss allowance to noncurrent loans | 432.2581% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 4,062 |
| Noncurrent loans to loans | 0.3012% | 5,554 |
| Net loans and leases to total assets | 54.8572% | 4,470 |
| Net loans and leases to deposits | 68.6620% | 3,913 |
| Net loans and leases to core deposits | 78.1341% | 3,269 |
| Total domestic deposits to total assets | 79.8945% | 5,629 |
| Equity capital to assets | 12.2505% | 1,739 |
| Core capital (leverage) ratio | 13.1369% | 1,119 |
| Tier 1 risk-based capital ratio | 20.9697% | 1,500 |
| Total risk-based capital ratio | 22.1574% | 1,486 |
| Memoranda: | ||
| Average total assets | $55,023,330 | 6,000 |
| Average earning assets | $52,199,670 | 5,933 |
| Average equity | $6,939,670 | 5,701 |
| Average total loans | $31,251,670 | 5,793 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 3,732 |
| Cost of funding earning assets | 0.2779% | 6,117 |
| Net interest margin | 3.8213% | 2,371 |
| Noninterest income to average assets | 0.1899% | 6,110 |
| Noninterest expense to average assets | 2.5860% | 4,448 |
| Loan and lease loss provision to assets | 0.1096% | 2,873 |
| Net operating income to assets | 0.8912% | 2,692 |
| Return on assets (ROA) | 0.8912% | 2,840 |
| Pretax return on assets | 1.1104% | 2,915 |
| Return on Equity (ROE) | 6.9650% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.9650% | 2,168 |
| Net charge-offs to loans | -0.0127% | 5,529 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9463% | 4,321 |
| Assets per employee ($millions) | 4.2355% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 4,647 |
| Loan loss allowance to noncurrent loans | 191.5888% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 3,694 |
| Noncurrent loans to loans | 0.6841% | 4,762 |
| Net loans and leases to total assets | 56.0705% | 4,068 |
| Net loans and leases to deposits | 68.5168% | 3,710 |
| Net loans and leases to core deposits | 77.3004% | 3,159 |
| Total domestic deposits to total assets | 81.8347% | 5,256 |
| Equity capital to assets | 12.7804% | 1,545 |
| Core capital (leverage) ratio | 12.7292% | 1,232 |
| Tier 1 risk-based capital ratio | 20.8202% | 1,579 |
| Total risk-based capital ratio | 22.0315% | 1,563 |
| Memoranda: | ||
| Average total assets | $54,756,500 | 6,049 |
| Average earning assets | $51,814,500 | 5,997 |
| Average equity | $7,006,500 | 5,742 |
| Average total loans | $31,438,000 | 5,825 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 4,652 |
| Cost of funding earning assets | 0.3271% | 6,325 |
| Net interest margin | 3.8572% | 2,996 |
| Noninterest income to average assets | 0.1888% | 6,054 |
| Noninterest expense to average assets | 2.9034% | 3,623 |
| Loan and lease loss provision to assets | 0.4057% | 1,598 |
| Net operating income to assets | 0.3629% | 5,243 |
| Return on assets (ROA) | 0.8637% | 3,227 |
| Pretax return on assets | 1.1722% | 2,899 |
| Return on Equity (ROE) | 6.7220% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.9508% | 2,103 |
| Net charge-offs to loans | 0.4168% | 2,577 |
| Credit loss provision to net charge-offs | 172.2222% | 1,528 |
| Earnings coverage of net charge-offs (x) | 3.8254% | 3,585 |
| Efficiency ratio | 76.3145% | 2,695 |
| Assets per employee ($millions) | 4.5377% | 2,894 |
| Cash dividends to net income (ytd only)* | 11.4719% | 4,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 4,891 |
| Loan loss allowance to noncurrent loans | 216.4835% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.9348% | 4,167 |
| Noncurrent loans to loans | 0.5761% | 5,087 |
| Net loans and leases to total assets | 57.2963% | 4,086 |
| Net loans and leases to deposits | 65.9961% | 4,286 |
| Net loans and leases to core deposits | 72.0947% | 4,037 |
| Total domestic deposits to total assets | 86.8177% | 2,927 |
| Equity capital to assets | 12.8113% | 1,539 |
| Core capital (leverage) ratio | 12.8679% | 1,168 |
| Tier 1 risk-based capital ratio | 20.0098% | 1,676 |
| Total risk-based capital ratio | 21.1483% | 1,675 |
| Memoranda: | ||
| Average total assets | $53,488,200 | 6,106 |
| Average earning assets | $50,140,200 | 6,045 |
| Average equity | $6,873,000 | 5,798 |
| Average total loans | $30,232,000 | 5,938 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 4,790 |
| Cost of funding earning assets | 0.3454% | 6,401 |
| Net interest margin | 3.8637% | 3,059 |
| Noninterest income to average assets | 0.1853% | 6,196 |
| Noninterest expense to average assets | 2.8045% | 3,968 |
| Loan and lease loss provision to assets | 0.5434% | 1,082 |
| Net operating income to assets | 0.3331% | 5,500 |
| Return on assets (ROA) | 0.9766% | 2,850 |
| Pretax return on assets | 1.3321% | 2,488 |
| Return on Equity (ROE) | 7.5941% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.6789% | 2,289 |
| Net charge-offs to loans | 0.5620% | 1,928 |
| Credit loss provision to net charge-offs | 172.2222% | 1,616 |
| Earnings coverage of net charge-offs (x) | 3.1507% | 3,767 |
| Efficiency ratio | 73.8299% | 3,015 |
| Assets per employee ($millions) | 4.0135% | 3,842 |
| Cash dividends to net income (ytd only)* | 12.0522% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 4,846 |
| Loan loss allowance to noncurrent loans | 163.4855% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1519% | 3,986 |
| Noncurrent loans to loans | 0.7906% | 4,823 |
| Net loans and leases to total assets | 57.6702% | 4,183 |
| Net loans and leases to deposits | 66.9455% | 4,345 |
| Net loans and leases to core deposits | 77.9675% | 3,466 |
| Total domestic deposits to total assets | 86.1450% | 3,172 |
| Equity capital to assets | 13.3356% | 1,422 |
| Core capital (leverage) ratio | 13.1899% | 1,116 |
| Tier 1 risk-based capital ratio | 20.7960% | 1,573 |
| Total risk-based capital ratio | 21.9902% | 1,554 |
| Memoranda: | ||
| Average total assets | $53,247,250 | 6,182 |
| Average earning assets | $49,795,250 | 6,124 |
| Average equity | $6,847,250 | 5,872 |
| Average total loans | $29,891,750 | 6,027 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 4,842 |
| Cost of funding earning assets | 0.3686% | 6,424 |
| Net interest margin | 3.8626% | 3,076 |
| Noninterest income to average assets | 0.2089% | 6,067 |
| Noninterest expense to average assets | 2.7647% | 4,158 |
| Loan and lease loss provision to assets | 0.8059% | 618 |
| Net operating income to assets | 0.1838% | 5,965 |
| Return on assets (ROA) | 0.7910% | 3,678 |
| Pretax return on assets | 1.0037% | 3,696 |
| Return on Equity (ROE) | 6.2258% | 4,195 |
| Retained earnings to average equity (ytd only) | 4.8456% | 3,369 |
| Net charge-offs to loans | 0.8621% | 1,280 |
| Credit loss provision to net charge-offs | 168.7500% | 1,656 |
| Earnings coverage of net charge-offs (x) | 2.1797% | 3,893 |
| Efficiency ratio | 72.6471% | 3,316 |
| Assets per employee ($millions) | 3.5556% | 4,856 |
| Cash dividends to net income (ytd only)* | 22.1698% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 4,779 |
| Loan loss allowance to noncurrent loans | 425.0000% | 850 |
| Noncurrent assets plus other real estate owned to assets | 1.1325% | 4,124 |
| Noncurrent loans to loans | 0.3115% | 5,930 |
| Net loans and leases to total assets | 54.6518% | 4,681 |
| Net loans and leases to deposits | 65.3572% | 4,593 |
| Net loans and leases to core deposits | 77.1908% | 3,629 |
| Total domestic deposits to total assets | 83.6202% | 4,478 |
| Equity capital to assets | 12.7911% | 1,633 |
| Core capital (leverage) ratio | 12.8423% | 1,202 |
| Tier 1 risk-based capital ratio | 20.8396% | 1,513 |
| Total risk-based capital ratio | 22.0621% | 1,489 |
| Memoranda: | ||
| Average total assets | $53,604,330 | 6,205 |
| Average earning assets | $49,915,000 | 6,162 |
| Average equity | $6,810,330 | 5,903 |
| Average total loans | $29,694,330 | 6,078 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 4,276 |
| Cost of funding earning assets | 0.4005% | 6,409 |
| Net interest margin | 4.0130% | 2,451 |
| Noninterest income to average assets | 0.2159% | 6,071 |
| Noninterest expense to average assets | 2.6126% | 4,772 |
| Loan and lease loss provision to assets | 0.1116% | 3,961 |
| Net operating income to assets | 0.9453% | 2,718 |
| Return on assets (ROA) | 0.9453% | 2,926 |
| Pretax return on assets | 1.2207% | 2,835 |
| Return on Equity (ROE) | 7.4656% | 3,520 |
| Retained earnings to average equity (ytd only) | 7.4656% | 2,193 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2264% | 4,518 |
| Assets per employee ($millions) | 4.0633% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 6,001 |
| Loan loss allowance to noncurrent loans | 121.8391% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.5050% | 3,601 |
| Noncurrent loans to loans | 0.8798% | 4,910 |
| Net loans and leases to total assets | 55.5572% | 4,462 |
| Net loans and leases to deposits | 64.2321% | 4,598 |
| Net loans and leases to core deposits | 76.3907% | 3,570 |
| Total domestic deposits to total assets | 86.4945% | 3,247 |
| Equity capital to assets | 13.0436% | 1,420 |
| Core capital (leverage) ratio | 12.5617% | 1,312 |
| Tier 1 risk-based capital ratio | 20.6277% | 1,556 |
| Total risk-based capital ratio | 21.6148% | 1,598 |
| Memoranda: | ||
| Average total assets | $53,739,500 | 6,240 |
| Average earning assets | $49,938,000 | 6,199 |
| Average equity | $6,804,500 | 5,930 |
| Average total loans | $29,772,000 | 6,121 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 5,051 |
| Cost of funding earning assets | 0.5479% | 6,349 |
| Net interest margin | 3.9582% | 3,076 |
| Noninterest income to average assets | 0.2469% | 5,762 |
| Noninterest expense to average assets | 3.0891% | 3,239 |
| Loan and lease loss provision to assets | 0.4128% | 2,531 |
| Net operating income to assets | 0.4661% | 4,559 |
| Return on assets (ROA) | 0.5748% | 4,304 |
| Pretax return on assets | 0.5491% | 4,841 |
| Return on Equity (ROE) | 4.4950% | 4,631 |
| Retained earnings to average equity (ytd only) | 3.7690% | 3,532 |
| Net charge-offs to loans | 0.4156% | 3,346 |
| Credit loss provision to net charge-offs | 168.5484% | 1,597 |
| Earnings coverage of net charge-offs (x) | 3.4839% | 3,504 |
| Efficiency ratio | 78.3567% | 2,546 |
| Assets per employee ($millions) | 3.9040% | 4,064 |
| Cash dividends to net income (ytd only)* | 16.1512% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 6,150 |
| Loan loss allowance to noncurrent loans | 77.4936% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.6942% | 3,409 |
| Noncurrent loans to loans | 1.3086% | 4,189 |
| Net loans and leases to total assets | 54.1130% | 5,022 |
| Net loans and leases to deposits | 63.8129% | 5,039 |
| Net loans and leases to core deposits | 76.4514% | 3,913 |
| Total domestic deposits to total assets | 84.7995% | 3,960 |
| Equity capital to assets | 12.2933% | 1,918 |
| Core capital (leverage) ratio | 12.7622% | 1,237 |
| Tier 1 risk-based capital ratio | 19.9297% | 1,663 |
| Total risk-based capital ratio | 20.8563% | 1,694 |
| Memoranda: | ||
| Average total assets | $50,629,000 | 6,347 |
| Average earning assets | $47,268,600 | 6,280 |
| Average equity | $6,473,800 | 6,018 |
| Average total loans | $29,839,600 | 6,167 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5988% | 4,867 |
| Cost of funding earning assets | 0.5892% | 6,333 |
| Net interest margin | 4.0097% | 2,878 |
| Noninterest income to average assets | 0.2230% | 6,022 |
| Noninterest expense to average assets | 3.1813% | 2,878 |
| Loan and lease loss provision to assets | 0.4810% | 2,061 |
| Net operating income to assets | 0.3149% | 5,338 |
| Return on assets (ROA) | 0.4568% | 4,930 |
| Pretax return on assets | 0.4756% | 5,240 |
| Return on Equity (ROE) | 3.5347% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.5347% | 4,223 |
| Net charge-offs to loans | 0.1654% | 4,466 |
| Credit loss provision to net charge-offs | 483.7838% | 576 |
| Earnings coverage of net charge-offs (x) | 8.1354% | 2,232 |
| Efficiency ratio | 79.7306% | 2,290 |
| Assets per employee ($millions) | 3.5624% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 5,480 |
| Loan loss allowance to noncurrent loans | 68.3112% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.3419% | 2,740 |
| Noncurrent loans to loans | 1.7518% | 3,698 |
| Net loans and leases to total assets | 59.5994% | 4,208 |
| Net loans and leases to deposits | 69.1738% | 4,428 |
| Net loans and leases to core deposits | 81.9995% | 3,328 |
| Total domestic deposits to total assets | 86.1588% | 3,125 |
| Equity capital to assets | 13.2396% | 1,496 |
| Core capital (leverage) ratio | 13.0856% | 1,193 |
| Tier 1 risk-based capital ratio | 16.2458% | 2,993 |
| Total risk-based capital ratio | 17.1472% | 3,123 |
| Memoranda: | ||
| Average total assets | $49,622,250 | 6,429 |
| Average earning assets | $46,619,500 | 6,362 |
| Average equity | $6,412,500 | 6,081 |
| Average total loans | $29,829,750 | 6,227 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 5,049 |
| Cost of funding earning assets | 0.6133% | 6,392 |
| Net interest margin | 3.9674% | 3,002 |
| Noninterest income to average assets | 0.1857% | 6,335 |
| Noninterest expense to average assets | 3.2863% | 2,612 |
| Loan and lease loss provision to assets | 0.4360% | 2,249 |
| Net operating income to assets | 0.1857% | 5,790 |
| Return on assets (ROA) | 0.3755% | 5,197 |
| Pretax return on assets | 0.3997% | 5,396 |
| Return on Equity (ROE) | 2.9296% | 5,420 |
| Retained earnings to average equity (ytd only) | 2.9296% | 4,419 |
| Net charge-offs to loans | 0.0202% | 5,558 |
| Credit loss provision to net charge-offs | 3,600.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 609 |
| Efficiency ratio | 83.8311% | 1,838 |
| Assets per employee ($millions) | 3.0274% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 6,033 |
| Loan loss allowance to noncurrent loans | 46.9477% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.4237% | 2,735 |
| Noncurrent loans to loans | 2.3028% | 3,098 |
| Net loans and leases to total assets | 61.0128% | 4,083 |
| Net loans and leases to deposits | 72.8092% | 3,982 |
| Net loans and leases to core deposits | 81.8013% | 3,539 |
| Total domestic deposits to total assets | 83.7982% | 4,432 |
| Equity capital to assets | 13.2290% | 1,420 |
| Core capital (leverage) ratio | 12.8843% | 1,206 |
| Tier 1 risk-based capital ratio | 16.9417% | 2,549 |
| Total risk-based capital ratio | 17.8001% | 2,672 |
| Memoranda: | ||
| Average total assets | $49,538,670 | 6,494 |
| Average earning assets | $46,629,670 | 6,418 |
| Average equity | $6,349,000 | 6,126 |
| Average total loans | $29,745,000 | 6,295 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 4,921 |
| Cost of funding earning assets | 0.6299% | 6,475 |
| Net interest margin | 3.9750% | 2,799 |
| Noninterest income to average assets | 0.2156% | 6,194 |
| Noninterest expense to average assets | 3.1864% | 2,941 |
| Loan and lease loss provision to assets | 0.1437% | 4,209 |
| Net operating income to assets | 0.5670% | 4,198 |
| Return on assets (ROA) | 0.5670% | 4,272 |
| Pretax return on assets | 0.6149% | 4,632 |
| Return on Equity (ROE) | 4.4940% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.4940% | 3,476 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7692% | 2,400 |
| Assets per employee ($millions) | 3.3450% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 6,942 |
| Loan loss allowance to noncurrent loans | 95.9350% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.4928% | 4,019 |
| Noncurrent loans to loans | 0.8222% | 5,388 |
| Net loans and leases to total assets | 59.1570% | 4,435 |
| Net loans and leases to deposits | 71.6195% | 4,122 |
| Net loans and leases to core deposits | 82.2376% | 3,427 |
| Total domestic deposits to total assets | 82.5989% | 5,070 |
| Equity capital to assets | 12.7215% | 1,513 |
| Core capital (leverage) ratio | 12.7035% | 1,239 |
| Tier 1 risk-based capital ratio | 19.4967% | 1,698 |
| Total risk-based capital ratio | 20.2179% | 1,772 |
| Memoranda: | ||
| Average total assets | $50,088,500 | 6,530 |
| Average earning assets | $46,993,500 | 6,453 |
| Average equity | $6,319,500 | 6,149 |
| Average total loans | $29,679,000 | 6,350 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 5,230 |
| Cost of funding earning assets | 0.8379% | 6,409 |
| Net interest margin | 4.0129% | 2,962 |
| Noninterest income to average assets | 0.2757% | 5,810 |
| Noninterest expense to average assets | 3.0454% | 3,672 |
| Loan and lease loss provision to assets | 0.5640% | 2,868 |
| Net operating income to assets | 0.4409% | 4,358 |
| Return on assets (ROA) | 0.5409% | 4,072 |
| Pretax return on assets | 0.5472% | 4,484 |
| Return on Equity (ROE) | 4.1192% | 4,471 |
| Retained earnings to average equity (ytd only) | 3.3499% | 3,524 |
| Net charge-offs to loans | 1.5909% | 1,369 |
| Credit loss provision to net charge-offs | 57.3876% | 6,128 |
| Earnings coverage of net charge-offs (x) | 1.0278% | 5,088 |
| Efficiency ratio | 75.0908% | 3,191 |
| Assets per employee ($millions) | 3.3335% | 5,351 |
| Cash dividends to net income (ytd only)* | 18.6770% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 7,067 |
| Loan loss allowance to noncurrent loans | 126.7442% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 1.4199% | 4,218 |
| Noncurrent loans to loans | 0.5842% | 5,878 |
| Net loans and leases to total assets | 58.4417% | 4,961 |
| Net loans and leases to deposits | 66.9861% | 5,257 |
| Net loans and leases to core deposits | 76.0435% | 4,707 |
| Total domestic deposits to total assets | 87.2445% | 2,703 |
| Equity capital to assets | 12.5115% | 1,625 |
| Core capital (leverage) ratio | 12.8737% | 1,173 |
| Tier 1 risk-based capital ratio | 19.1577% | 1,681 |
| Total risk-based capital ratio | 19.8225% | 1,787 |
| Memoranda: | ||
| Average total assets | $47,514,000 | 6,617 |
| Average earning assets | $44,756,000 | 6,552 |
| Average equity | $6,239,000 | 6,295 |
| Average total loans | $29,354,000 | 6,432 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9343% | 5,112 |
| Cost of funding earning assets | 0.8766% | 6,483 |
| Net interest margin | 4.0577% | 2,823 |
| Noninterest income to average assets | 0.2815% | 5,859 |
| Noninterest expense to average assets | 3.0737% | 3,452 |
| Loan and lease loss provision to assets | 0.6511% | 2,347 |
| Net operating income to assets | 0.3809% | 4,831 |
| Return on assets (ROA) | 0.5147% | 4,433 |
| Pretax return on assets | 0.5232% | 4,846 |
| Return on Equity (ROE) | 3.8707% | 4,840 |
| Retained earnings to average equity (ytd only) | 3.8707% | 3,743 |
| Net charge-offs to loans | 1.5500% | 1,289 |
| Credit loss provision to net charge-offs | 67.1554% | 5,503 |
| Earnings coverage of net charge-offs (x) | 1.0704% | 4,986 |
| Efficiency ratio | 74.7580% | 3,186 |
| Assets per employee ($millions) | 3.3594% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 6,006 |
| Loan loss allowance to noncurrent loans | 217.8571% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 1.9115% | 3,595 |
| Noncurrent loans to loans | 0.4978% | 6,205 |
| Net loans and leases to total assets | 59.1482% | 5,073 |
| Net loans and leases to deposits | 68.7815% | 5,314 |
| Net loans and leases to core deposits | 74.8138% | 5,188 |
| Total domestic deposits to total assets | 85.9943% | 3,080 |
| Equity capital to assets | 13.5570% | 1,329 |
| Core capital (leverage) ratio | 13.4887% | 1,064 |
| Tier 1 risk-based capital ratio | 20.3766% | 1,469 |
| Total risk-based capital ratio | 21.3702% | 1,488 |
| Memoranda: | ||
| Average total assets | $46,892,000 | 6,720 |
| Average earning assets | $44,260,750 | 6,647 |
| Average equity | $6,234,750 | 6,384 |
| Average total loans | $29,332,500 | 6,515 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 5,143 |
| Cost of funding earning assets | 0.9113% | 6,532 |
| Net interest margin | 4.0467% | 2,807 |
| Noninterest income to average assets | 0.2476% | 6,136 |
| Noninterest expense to average assets | 3.0654% | 3,447 |
| Loan and lease loss provision to assets | 0.8112% | 1,781 |
| Net operating income to assets | 0.1962% | 5,574 |
| Return on assets (ROA) | 0.3970% | 4,929 |
| Pretax return on assets | 0.4056% | 5,210 |
| Return on Equity (ROE) | 3.0060% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.0060% | 4,211 |
| Net charge-offs to loans | 2.0447% | 886 |
| Credit loss provision to net charge-offs | 62.5000% | 5,146 |
| Earnings coverage of net charge-offs (x) | 0.7796% | 4,983 |
| Efficiency ratio | 75.1832% | 3,226 |
| Assets per employee ($millions) | 3.8232% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 6,227 |
| Loan loss allowance to noncurrent loans | 36.4183% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 2.1797% | 3,281 |
| Noncurrent loans to loans | 2.8580% | 2,800 |
| Net loans and leases to total assets | 62.7926% | 4,519 |
| Net loans and leases to deposits | 72.9667% | 4,838 |
| Net loans and leases to core deposits | 77.9100% | 4,967 |
| Total domestic deposits to total assets | 86.0565% | 3,045 |
| Equity capital to assets | 13.5817% | 1,313 |
| Core capital (leverage) ratio | 13.3619% | 1,098 |
| Tier 1 risk-based capital ratio | 19.2786% | 1,658 |
| Total risk-based capital ratio | 20.2257% | 1,693 |
| Memoranda: | ||
| Average total assets | $46,845,670 | 6,766 |
| Average earning assets | $44,332,670 | 6,686 |
| Average equity | $6,187,670 | 6,411 |
| Average total loans | $29,735,670 | 6,545 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 5,566 |
| Cost of funding earning assets | 0.9613% | 6,539 |
| Net interest margin | 3.9172% | 3,249 |
| Noninterest income to average assets | 0.2113% | 6,451 |
| Noninterest expense to average assets | 3.0594% | 3,440 |
| Loan and lease loss provision to assets | 0.3803% | 3,084 |
| Net operating income to assets | 0.4564% | 4,592 |
| Return on assets (ROA) | 0.4564% | 4,714 |
| Pretax return on assets | 0.4564% | 5,104 |
| Return on Equity (ROE) | 3.5031% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.5031% | 4,048 |
| Net charge-offs to loans | 0.8387% | 1,856 |
| Credit loss provision to net charge-offs | 71.4286% | 4,068 |
| Earnings coverage of net charge-offs (x) | 1.5714% | 3,786 |
| Efficiency ratio | 78.5249% | 2,810 |
| Assets per employee ($millions) | 3.8364% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 4,671 |
| Loan loss allowance to noncurrent loans | 36.6728% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 2.7934% | 2,605 |
| Noncurrent loans to loans | 3.6854% | 2,158 |
| Net loans and leases to total assets | 63.2600% | 4,476 |
| Net loans and leases to deposits | 73.6080% | 4,805 |
| Net loans and leases to core deposits | 77.6841% | 5,061 |
| Total domestic deposits to total assets | 85.9417% | 3,184 |
| Equity capital to assets | 13.4696% | 1,340 |
| Core capital (leverage) ratio | 12.6484% | 1,347 |
| Tier 1 risk-based capital ratio | 18.3561% | 1,858 |
| Total risk-based capital ratio | 19.5513% | 1,840 |
| Memoranda: | ||
| Average total assets | $47,329,500 | 6,828 |
| Average earning assets | $44,522,000 | 6,756 |
| Average equity | $6,166,000 | 6,464 |
| Average total loans | $30,048,000 | 6,605 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2928% | 5,210 |
| Cost of funding earning assets | 1.2981% | 6,315 |
| Net interest margin | 3.9947% | 2,883 |
| Noninterest income to average assets | 0.2246% | 6,504 |
| Noninterest expense to average assets | 2.9182% | 4,470 |
| Loan and lease loss provision to assets | 1.0337% | 2,212 |
| Net operating income to assets | 0.2642% | 4,666 |
| Return on assets (ROA) | 0.3266% | 4,515 |
| Pretax return on assets | 0.1435% | 5,126 |
| Return on Equity (ROE) | 2.5678% | 4,677 |
| Retained earnings to average equity (ytd only) | 2.5678% | 3,349 |
| Net charge-offs to loans | 1.6317% | 1,551 |
| Credit loss provision to net charge-offs | 101.2220% | 5,452 |
| Earnings coverage of net charge-offs (x) | 1.0916% | 5,017 |
| Efficiency ratio | 72.3569% | 4,208 |
| Assets per employee ($millions) | 4.0518% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 4,412 |
| Loan loss allowance to noncurrent loans | 38.3625% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 2.2953% | 3,012 |
| Noncurrent loans to loans | 3.5553% | 2,137 |
| Net loans and leases to total assets | 62.0234% | 4,987 |
| Net loans and leases to deposits | 72.3675% | 5,277 |
| Net loans and leases to core deposits | 87.4522% | 5,387 |
| Total domestic deposits to total assets | 85.7061% | 3,160 |
| Equity capital to assets | 12.6095% | 1,692 |
| Core capital (leverage) ratio | 12.5865% | 1,413 |
| Tier 1 risk-based capital ratio | 17.8225% | 1,937 |
| Total risk-based capital ratio | 19.0462% | 1,899 |
| Memoranda: | ||
| Average total assets | $48,077,400 | 6,783 |
| Average earning assets | $45,836,200 | 6,686 |
| Average equity | $6,114,200 | 6,567 |
| Average total loans | $30,090,400 | 6,619 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3466% | 5,190 |
| Cost of funding earning assets | 1.3693% | 6,338 |
| Net interest margin | 3.9773% | 2,903 |
| Noninterest income to average assets | 0.2225% | 6,637 |
| Noninterest expense to average assets | 2.8673% | 4,580 |
| Loan and lease loss provision to assets | 0.5368% | 3,240 |
| Net operating income to assets | 0.5618% | 3,754 |
| Return on assets (ROA) | 0.5618% | 3,834 |
| Pretax return on assets | 0.6313% | 4,082 |
| Return on Equity (ROE) | 4.4080% | 4,205 |
| Retained earnings to average equity (ytd only) | 4.4080% | 2,806 |
| Net charge-offs to loans | 1.9842% | 998 |
| Credit loss provision to net charge-offs | 43.2735% | 6,392 |
| Earnings coverage of net charge-offs (x) | 0.9417% | 5,115 |
| Efficiency ratio | 71.0544% | 4,412 |
| Assets per employee ($millions) | 3.9527% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5188% | 7,689 |
| Loan loss allowance to noncurrent loans | 13.5622% | 7,372 |
| Noncurrent assets plus other real estate owned to assets | 2.4561% | 2,803 |
| Noncurrent loans to loans | 3.8253% | 1,942 |
| Net loans and leases to total assets | 63.8746% | 4,893 |
| Net loans and leases to deposits | 74.1646% | 5,344 |
| Net loans and leases to core deposits | 91.1928% | 5,311 |
| Total domestic deposits to total assets | 86.1254% | 2,632 |
| Equity capital to assets | 13.1978% | 1,623 |
| Core capital (leverage) ratio | 12.7634% | 1,459 |
| Tier 1 risk-based capital ratio | 19.3841% | 1,669 |
| Total risk-based capital ratio | 19.8847% | 1,792 |
| Memoranda: | ||
| Average total assets | $47,941,250 | 6,837 |
| Average earning assets | $45,959,500 | 6,739 |
| Average equity | $6,110,000 | 6,628 |
| Average total loans | $29,969,500 | 6,683 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 5,418 |
| Cost of funding earning assets | 1.4317% | 6,373 |
| Net interest margin | 3.9133% | 3,045 |
| Noninterest income to average assets | 0.2120% | 6,785 |
| Noninterest expense to average assets | 2.8725% | 4,620 |
| Loan and lease loss provision to assets | 0.3908% | 3,572 |
| Net operating income to assets | 0.5945% | 3,698 |
| Return on assets (ROA) | 0.5945% | 3,805 |
| Pretax return on assets | 0.6984% | 3,996 |
| Return on Equity (ROE) | 4.7195% | 4,200 |
| Retained earnings to average equity (ytd only) | 4.7195% | 2,677 |
| Net charge-offs to loans | -0.1006% | 7,952 |
| Credit loss provision to net charge-offs | -626.6667% | 7,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5079% | 4,310 |
| Assets per employee ($millions) | 4.3474% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6982% | 2,363 |
| Loan loss allowance to noncurrent loans | 29.4618% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 3.7118% | 1,654 |
| Noncurrent loans to loans | 5.7640% | 969 |
| Net loans and leases to total assets | 62.9451% | 5,195 |
| Net loans and leases to deposits | 73.6975% | 5,497 |
| Net loans and leases to core deposits | 88.3349% | 5,691 |
| Total domestic deposits to total assets | 85.4102% | 3,060 |
| Equity capital to assets | 12.8124% | 1,781 |
| Core capital (leverage) ratio | 12.5445% | 1,603 |
| Tier 1 risk-based capital ratio | 14.2437% | 3,381 |
| Total risk-based capital ratio | 15.4660% | 3,330 |
| Memoranda: | ||
| Average total assets | $48,111,000 | 6,899 |
| Average earning assets | $46,098,670 | 6,797 |
| Average equity | $6,060,000 | 6,692 |
| Average total loans | $29,807,670 | 6,745 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4061% | 5,394 |
| Cost of funding earning assets | 1.5310% | 6,306 |
| Net interest margin | 3.8751% | 3,164 |
| Noninterest income to average assets | 0.1989% | 6,868 |
| Noninterest expense to average assets | 2.9095% | 4,128 |
| Loan and lease loss provision to assets | 0.1243% | 5,368 |
| Net operating income to assets | 0.7543% | 3,332 |
| Return on assets (ROA) | 0.7543% | 3,506 |
| Pretax return on assets | 0.8786% | 3,799 |
| Return on Equity (ROE) | 6.0400% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.0400% | 2,604 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3644% | 3,761 |
| Assets per employee ($millions) | 3.4109% | 5,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 3,370 |
| Loan loss allowance to noncurrent loans | 40.8046% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 2.2072% | 2,589 |
| Noncurrent loans to loans | 3.4887% | 1,823 |
| Net loans and leases to total assets | 61.7754% | 5,377 |
| Net loans and leases to deposits | 72.0806% | 5,737 |
| Net loans and leases to core deposits | 82.6696% | 6,177 |
| Total domestic deposits to total assets | 85.7032% | 2,868 |
| Equity capital to assets | 12.7178% | 1,874 |
| Core capital (leverage) ratio | 12.3983% | 1,721 |
| Tier 1 risk-based capital ratio | 16.2115% | 2,608 |
| Total risk-based capital ratio | 17.3611% | 2,591 |
| Memoranda: | ||
| Average total assets | $48,256,000 | 6,939 |
| Average earning assets | $46,244,000 | 6,830 |
| Average equity | $6,026,500 | 6,749 |
| Average total loans | $29,401,000 | 6,803 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9522% | 5,804 |
| Cost of funding earning assets | 2.1744% | 5,706 |
| Net interest margin | 3.7779% | 4,110 |
| Noninterest income to average assets | 0.2407% | 6,724 |
| Noninterest expense to average assets | 2.6650% | 5,395 |
| Loan and lease loss provision to assets | 0.0694% | 6,526 |
| Net operating income to assets | 0.9367% | 2,845 |
| Return on assets (ROA) | 0.9367% | 2,702 |
| Pretax return on assets | 1.1081% | 3,002 |
| Return on Equity (ROE) | 7.4275% | 3,310 |
| Retained earnings to average equity (ytd only) | 5.9833% | 1,541 |
| Net charge-offs to loans | 0.0514% | 6,056 |
| Credit loss provision to net charge-offs | 228.5714% | 2,079 |
| Earnings coverage of net charge-offs (x) | 38.7857% | 965 |
| Efficiency ratio | 69.3567% | 4,466 |
| Assets per employee ($millions) | 3.7508% | 4,060 |
| Cash dividends to net income (ytd only)* | 19.4444% | 4,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 3,063 |
| Loan loss allowance to noncurrent loans | 42.3711% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 2.0098% | 2,447 |
| Noncurrent loans to loans | 3.3591% | 1,537 |
| Net loans and leases to total assets | 58.3798% | 6,147 |
| Net loans and leases to deposits | 66.9552% | 6,568 |
| Net loans and leases to core deposits | 83.0276% | 6,379 |
| Total domestic deposits to total assets | 87.1924% | 1,844 |
| Equity capital to assets | 12.2642% | 2,131 |
| Core capital (leverage) ratio | 12.2984% | 1,841 |
| Tier 1 risk-based capital ratio | 16.2091% | 2,582 |
| Total risk-based capital ratio | 17.3352% | 2,576 |
| Memoranda: | ||
| Average total assets | $46,117,000 | 6,932 |
| Average earning assets | $43,966,800 | 6,855 |
| Average equity | $5,816,200 | 6,871 |
| Average total loans | $27,221,400 | 6,886 |