Home > State Street Bank and Trust Company > Performance and Condition Ratios
State Street Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0300% | 25 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 86,904.0000% | 18 |
| Cost of funding earning assets | 395.0000% | 12 |
| Net interest margin | 12.0000% | 21 |
| Noninterest income to average assets | 0.0006% | 4,530 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.5492% | 909 |
| Pretax return on assets | 1.6477% | 1,155 |
| Return on Equity (ROE) | 22.4400% | 430 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0367% | 1,574 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 4.2898% | 2,598 |
| Efficiency ratio | 2.0563% | 4,575 |
| Assets per employee ($millions) | 0.1043% | 4,559 |
| Cash dividends to net income (ytd only)* | 118.0000% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 2,569.0000% | 29 |
| Total domestic deposits to total assets | 632.0000% | 16 |
| Equity capital to assets | 134,574.0000% | 8 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $-8,429,000 | 4,612 |
| Average earning assets | $11,192 | 4,548 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 2,455 |
| Cost of funding earning assets | 0.7749% | 3,592 |
| Net interest margin | 3.9324% | 1,337 |
| Noninterest income to average assets | 1.1900% | 505 |
| Noninterest expense to average assets | 3.0842% | 952 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.6547% | 854 |
| Return on assets (ROA) | 1.6522% | 850 |
| Pretax return on assets | 1.7496% | 1,083 |
| Return on Equity (ROE) | 24.4300% | 410 |
| Retained earnings to average equity (ytd only) | 7.1780% | 2,229 |
| Net charge-offs to loans | 0.1054% | 752 |
| Credit loss provision to net charge-offs | 157.6087% | 1,287 |
| Earnings coverage of net charge-offs (x) | 23.3696% | 1,735 |
| Efficiency ratio | 62.0708% | 2,706 |
| Assets per employee ($millions) | 4.8349% | 3,715 |
| Cash dividends to net income (ytd only)* | 70.6162% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,187 |
| Loan loss allowance to noncurrent loans | 786.9452% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 2,751 |
| Noncurrent loans to loans | 0.1571% | 2,764 |
| Net loans and leases to total assets | 76.6200% | 1,043 |
| Net loans and leases to deposits | 86.6538% | 1,495 |
| Net loans and leases to core deposits | 89.2148% | 1,983 |
| Total domestic deposits to total assets | 88.4200% | 1,438 |
| Equity capital to assets | 6.3706% | 3,868 |
| Core capital (leverage) ratio | 8.9110% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0440% | 2,596 |
| Memoranda: | ||
| Average total assets | $305,121,000 | 2,411 |
| Average earning assets | $292,843,500 | 2,348 |
| Average equity | $20,636,500 | 2,793 |
| Average total loans | $232,768,500 | 2,092 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 2,523 |
| Cost of funding earning assets | 0.5932% | 3,770 |
| Net interest margin | 3.9594% | 1,313 |
| Noninterest income to average assets | 1.1900% | 446 |
| Noninterest expense to average assets | 3.0542% | 962 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.7255% | 747 |
| Return on assets (ROA) | 1.7274% | 746 |
| Pretax return on assets | 1.8241% | 968 |
| Return on Equity (ROE) | 25.0400% | 382 |
| Retained earnings to average equity (ytd only) | 5.4602% | 2,801 |
| Net charge-offs to loans | 0.1091% | 639 |
| Credit loss provision to net charge-offs | 137.6000% | 1,250 |
| Earnings coverage of net charge-offs (x) | 23.3920% | 1,673 |
| Efficiency ratio | 61.1384% | 2,826 |
| Assets per employee ($millions) | 4.8661% | 3,702 |
| Cash dividends to net income (ytd only)* | 78.1909% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,095 |
| Loan loss allowance to noncurrent loans | 530.7002% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 2,254 |
| Noncurrent loans to loans | 0.2385% | 2,308 |
| Net loans and leases to total assets | 75.2200% | 1,133 |
| Net loans and leases to deposits | 83.9668% | 1,671 |
| Net loans and leases to core deposits | 85.7749% | 2,087 |
| Total domestic deposits to total assets | 89.5800% | 1,061 |
| Equity capital to assets | 6.9183% | 3,834 |
| Core capital (leverage) ratio | 8.9596% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2428% | 2,554 |
| Memoranda: | ||
| Average total assets | $302,071,000 | 2,431 |
| Average earning assets | $289,942,667 | 2,369 |
| Average equity | $20,841,667 | 2,789 |
| Average total loans | $229,087,667 | 2,101 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4198% | 2,501 |
| Cost of funding earning assets | 0.5339% | 3,581 |
| Net interest margin | 3.8860% | 1,504 |
| Noninterest income to average assets | 1.1400% | 475 |
| Noninterest expense to average assets | 2.9777% | 1,096 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.7105% | 807 |
| Return on assets (ROA) | 1.7143% | 794 |
| Pretax return on assets | 1.8077% | 1,053 |
| Return on Equity (ROE) | 24.8800% | 411 |
| Retained earnings to average equity (ytd only) | -4.9376% | 4,328 |
| Net charge-offs to loans | 0.0511% | 851 |
| Credit loss provision to net charge-offs | 231.0345% | 773 |
| Earnings coverage of net charge-offs (x) | 48.9310% | 1,109 |
| Efficiency ratio | 61.0518% | 2,816 |
| Assets per employee ($millions) | 4.6542% | 3,928 |
| Cash dividends to net income (ytd only)* | 119.8444% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 2,072 |
| Loan loss allowance to noncurrent loans | 372.9114% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 1,813 |
| Noncurrent loans to loans | 0.3463% | 1,907 |
| Net loans and leases to total assets | 75.6100% | 1,008 |
| Net loans and leases to deposits | 82.5927% | 1,609 |
| Net loans and leases to core deposits | 83.7531% | 1,999 |
| Total domestic deposits to total assets | 91.5400% | 637 |
| Equity capital to assets | 6.9447% | 3,858 |
| Core capital (leverage) ratio | 8.7478% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1623% | 2,675 |
| Memoranda: | ||
| Average total assets | $299,825,000 | 2,473 |
| Average earning assets | $287,702,500 | 2,412 |
| Average equity | $20,658,000 | 2,831 |
| Average total loans | $226,860,000 | 2,129 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 2,088 |
| Cost of funding earning assets | 0.2038% | 3,725 |
| Net interest margin | 3.6583% | 1,479 |
| Noninterest income to average assets | 1.1700% | 494 |
| Noninterest expense to average assets | 2.9245% | 1,084 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.5597% | 762 |
| Return on assets (ROA) | 1.5517% | 744 |
| Pretax return on assets | 1.6922% | 938 |
| Return on Equity (ROE) | 22.3700% | 317 |
| Retained earnings to average equity (ytd only) | 10.4047% | 1,039 |
| Net charge-offs to loans | 0.0345% | 1,389 |
| Credit loss provision to net charge-offs | 287.8378% | 928 |
| Earnings coverage of net charge-offs (x) | 72.1081% | 1,143 |
| Efficiency ratio | 62.2411% | 2,726 |
| Assets per employee ($millions) | 5.1149% | 3,583 |
| Cash dividends to net income (ytd only)* | 53.4874% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 2,933 |
| Loan loss allowance to noncurrent loans | 300.2436% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 1,796 |
| Noncurrent loans to loans | 0.3640% | 1,831 |
| Net loans and leases to total assets | 73.9300% | 1,219 |
| Net loans and leases to deposits | 81.7555% | 1,637 |
| Net loans and leases to core deposits | 82.8051% | 1,945 |
| Total domestic deposits to total assets | 90.4300% | 1,184 |
| Equity capital to assets | 6.8361% | 3,753 |
| Core capital (leverage) ratio | 9.0372% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3293% | 2,637 |
| Memoranda: | ||
| Average total assets | $301,212,400 | 2,445 |
| Average earning assets | $290,460,000 | 2,383 |
| Average equity | $20,894,400 | 2,866 |
| Average total loans | $214,277,600 | 2,138 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7211% | 1,973 |
| Cost of funding earning assets | 0.1463% | 3,883 |
| Net interest margin | 3.5749% | 1,454 |
| Noninterest income to average assets | 1.1300% | 547 |
| Noninterest expense to average assets | 2.8599% | 1,124 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4976% | 863 |
| Return on assets (ROA) | 1.4871% | 862 |
| Pretax return on assets | 1.6403% | 1,026 |
| Return on Equity (ROE) | 21.3600% | 329 |
| Retained earnings to average equity (ytd only) | 7.3661% | 2,242 |
| Net charge-offs to loans | 0.0259% | 1,306 |
| Credit loss provision to net charge-offs | 365.8537% | 737 |
| Earnings coverage of net charge-offs (x) | 94.6341% | 970 |
| Efficiency ratio | 62.4686% | 2,770 |
| Assets per employee ($millions) | 4.7481% | 3,875 |
| Cash dividends to net income (ytd only)* | 65.5152% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 3,026 |
| Loan loss allowance to noncurrent loans | 500.2053% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 2,475 |
| Noncurrent loans to loans | 0.2193% | 2,516 |
| Net loans and leases to total assets | 73.4100% | 1,144 |
| Net loans and leases to deposits | 82.3244% | 1,420 |
| Net loans and leases to core deposits | 83.3259% | 1,702 |
| Total domestic deposits to total assets | 89.1800% | 2,015 |
| Equity capital to assets | 5.9981% | 3,967 |
| Core capital (leverage) ratio | 8.7488% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1827% | 3,009 |
| Memoranda: | ||
| Average total assets | $301,070,250 | 2,464 |
| Average earning assets | $290,763,500 | 2,396 |
| Average equity | $20,960,500 | 2,905 |
| Average total loans | $211,455,500 | 2,159 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5834% | 1,894 |
| Cost of funding earning assets | 0.1365% | 3,752 |
| Net interest margin | 3.4469% | 1,467 |
| Noninterest income to average assets | 1.0831% | 567 |
| Noninterest expense to average assets | 2.8291% | 1,117 |
| Loan and lease loss provision to assets | 0.0663% | 1,422 |
| Net operating income to assets | 1.3403% | 1,046 |
| Return on assets (ROA) | 1.3403% | 1,025 |
| Pretax return on assets | 1.5180% | 1,130 |
| Return on Equity (ROE) | 18.4097% | 425 |
| Retained earnings to average equity (ytd only) | -1.6206% | 4,353 |
| Net charge-offs to loans | 0.0231% | 1,263 |
| Credit loss provision to net charge-offs | 416.6667% | 689 |
| Earnings coverage of net charge-offs (x) | 99.5833% | 818 |
| Efficiency ratio | 64.1033% | 2,758 |
| Assets per employee ($millions) | 4.7616% | 3,880 |
| Cash dividends to net income (ytd only)* | 108.8032% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 3,012 |
| Loan loss allowance to noncurrent loans | 1,149.7608% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,273 |
| Noncurrent loans to loans | 0.0987% | 3,267 |
| Net loans and leases to total assets | 69.7849% | 1,313 |
| Net loans and leases to deposits | 74.8836% | 1,767 |
| Net loans and leases to core deposits | 75.9166% | 2,024 |
| Total domestic deposits to total assets | 93.1912% | 469 |
| Equity capital to assets | 6.4371% | 4,041 |
| Core capital (leverage) ratio | 8.2497% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1406% | 2,996 |
| Memoranda: | ||
| Average total assets | $301,717,333 | 2,474 |
| Average earning assets | $291,508,667 | 2,426 |
| Average equity | $21,966,667 | 2,899 |
| Average total loans | $207,928,000 | 2,179 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4714% | 1,893 |
| Cost of funding earning assets | 0.1340% | 3,716 |
| Net interest margin | 3.3374% | 1,477 |
| Noninterest income to average assets | 1.0496% | 623 |
| Noninterest expense to average assets | 2.8276% | 1,105 |
| Loan and lease loss provision to assets | 0.0463% | 1,537 |
| Net operating income to assets | 1.1488% | 1,382 |
| Return on assets (ROA) | 1.1488% | 1,380 |
| Pretax return on assets | 1.4013% | 1,250 |
| Return on Equity (ROE) | 14.9217% | 666 |
| Retained earnings to average equity (ytd only) | -15.1277% | 4,643 |
| Net charge-offs to loans | -0.0039% | 3,268 |
| Credit loss provision to net charge-offs | -1,750.0000% | 3,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1410% | 2,754 |
| Assets per employee ($millions) | 4.8602% | 3,878 |
| Cash dividends to net income (ytd only)* | 201.3809% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 3,129 |
| Loan loss allowance to noncurrent loans | 1,099.0698% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 3,363 |
| Noncurrent loans to loans | 0.1042% | 3,319 |
| Net loans and leases to total assets | 66.6434% | 1,346 |
| Net loans and leases to deposits | 71.8029% | 1,797 |
| Net loans and leases to core deposits | 72.8401% | 2,038 |
| Total domestic deposits to total assets | 92.8144% | 319 |
| Equity capital to assets | 6.8835% | 4,271 |
| Core capital (leverage) ratio | 8.0156% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9990% | 3,051 |
| Memoranda: | ||
| Average total assets | $302,586,500 | 2,484 |
| Average earning assets | $292,443,000 | 2,436 |
| Average equity | $23,295,000 | 2,884 |
| Average total loans | $206,020,500 | 2,188 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8313% | 1,792 |
| Cost of funding earning assets | 0.1694% | 3,779 |
| Net interest margin | 3.6620% | 1,309 |
| Noninterest income to average assets | 1.3667% | 586 |
| Noninterest expense to average assets | 2.9414% | 1,076 |
| Loan and lease loss provision to assets | 0.2087% | 503 |
| Net operating income to assets | 1.6578% | 694 |
| Return on assets (ROA) | 1.6578% | 730 |
| Pretax return on assets | 1.7511% | 1,023 |
| Return on Equity (ROE) | 19.0264% | 376 |
| Retained earnings to average equity (ytd only) | 7.8884% | 1,586 |
| Net charge-offs to loans | 0.0442% | 1,401 |
| Credit loss provision to net charge-offs | 697.6744% | 665 |
| Earnings coverage of net charge-offs (x) | 65.5116% | 1,122 |
| Efficiency ratio | 60.0142% | 3,145 |
| Assets per employee ($millions) | 4.5997% | 4,039 |
| Cash dividends to net income (ytd only)* | 58.5397% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,218 |
| Loan loss allowance to noncurrent loans | 1,923.1405% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,722 |
| Noncurrent loans to loans | 0.0588% | 3,655 |
| Net loans and leases to total assets | 67.9957% | 1,268 |
| Net loans and leases to deposits | 74.6640% | 1,678 |
| Net loans and leases to core deposits | 75.8607% | 1,934 |
| Total domestic deposits to total assets | 91.0689% | 472 |
| Equity capital to assets | 8.5334% | 4,031 |
| Core capital (leverage) ratio | 8.5481% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5248% | 2,980 |
| Memoranda: | ||
| Average total assets | $287,483,400 | 2,496 |
| Average earning assets | $277,474,800 | 2,447 |
| Average equity | $25,049,400 | 2,845 |
| Average total loans | $194,637,600 | 2,271 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 1,829 |
| Cost of funding earning assets | 0.1815% | 3,800 |
| Net interest margin | 3.6954% | 1,344 |
| Noninterest income to average assets | 1.3609% | 640 |
| Noninterest expense to average assets | 2.8876% | 1,153 |
| Loan and lease loss provision to assets | 0.0699% | 1,616 |
| Net operating income to assets | 1.9366% | 520 |
| Return on assets (ROA) | 1.9366% | 543 |
| Pretax return on assets | 1.9699% | 840 |
| Return on Equity (ROE) | 22.1063% | 296 |
| Retained earnings to average equity (ytd only) | 10.6628% | 1,132 |
| Net charge-offs to loans | 0.0229% | 1,583 |
| Credit loss provision to net charge-offs | 451.5152% | 808 |
| Earnings coverage of net charge-offs (x) | 131.9394% | 731 |
| Efficiency ratio | 58.6043% | 3,177 |
| Assets per employee ($millions) | 4.4541% | 4,156 |
| Cash dividends to net income (ytd only)* | 51.7658% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 3,942 |
| Loan loss allowance to noncurrent loans | 1,387.0504% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 3,832 |
| Noncurrent loans to loans | 0.0698% | 3,746 |
| Net loans and leases to total assets | 68.0748% | 1,315 |
| Net loans and leases to deposits | 75.1648% | 1,749 |
| Net loans and leases to core deposits | 76.2615% | 2,024 |
| Total domestic deposits to total assets | 90.5674% | 525 |
| Equity capital to assets | 8.9408% | 3,883 |
| Core capital (leverage) ratio | 8.7522% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8015% | 3,003 |
| Memoranda: | ||
| Average total assets | $284,609,500 | 2,532 |
| Average earning assets | $274,680,000 | 2,484 |
| Average equity | $24,933,500 | 2,889 |
| Average total loans | $191,892,000 | 2,331 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8319% | 1,991 |
| Cost of funding earning assets | 0.2007% | 3,740 |
| Net interest margin | 3.6311% | 1,517 |
| Noninterest income to average assets | 1.3895% | 616 |
| Noninterest expense to average assets | 2.8830% | 1,174 |
| Loan and lease loss provision to assets | 0.0707% | 1,640 |
| Net operating income to assets | 1.8892% | 607 |
| Return on assets (ROA) | 1.8892% | 630 |
| Pretax return on assets | 1.9394% | 936 |
| Return on Equity (ROE) | 21.7173% | 340 |
| Retained earnings to average equity (ytd only) | 8.7990% | 1,780 |
| Net charge-offs to loans | -0.0274% | 4,125 |
| Credit loss provision to net charge-offs | -384.6154% | 3,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9195% | 3,163 |
| Assets per employee ($millions) | 4.3572% | 4,213 |
| Cash dividends to net income (ytd only)* | 59.4837% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 3,837 |
| Loan loss allowance to noncurrent loans | 876.9231% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,685 |
| Noncurrent loans to loans | 0.1135% | 3,624 |
| Net loans and leases to total assets | 68.0858% | 1,434 |
| Net loans and leases to deposits | 75.1240% | 1,903 |
| Net loans and leases to core deposits | 75.9166% | 2,245 |
| Total domestic deposits to total assets | 90.6313% | 507 |
| Equity capital to assets | 8.8585% | 3,923 |
| Core capital (leverage) ratio | 8.3576% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7757% | 3,001 |
| Memoranda: | ||
| Average total assets | $282,973,667 | 2,540 |
| Average earning assets | $273,027,000 | 2,491 |
| Average equity | $24,616,333 | 2,900 |
| Average total loans | $189,517,333 | 2,349 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 2,261 |
| Cost of funding earning assets | 0.2271% | 3,663 |
| Net interest margin | 3.5124% | 1,793 |
| Noninterest income to average assets | 1.4241% | 658 |
| Noninterest expense to average assets | 2.8496% | 1,257 |
| Loan and lease loss provision to assets | 0.0707% | 1,743 |
| Net operating income to assets | 1.7932% | 798 |
| Return on assets (ROA) | 1.7932% | 851 |
| Pretax return on assets | 1.8936% | 1,126 |
| Return on Equity (ROE) | 20.8039% | 483 |
| Retained earnings to average equity (ytd only) | 4.5611% | 3,350 |
| Net charge-offs to loans | -0.0235% | 4,072 |
| Credit loss provision to net charge-offs | -454.5455% | 3,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1951% | 3,127 |
| Assets per employee ($millions) | 4.6922% | 3,935 |
| Cash dividends to net income (ytd only)* | 78.0757% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,853 |
| Loan loss allowance to noncurrent loans | 761.3821% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 3,774 |
| Noncurrent loans to loans | 0.1308% | 3,659 |
| Net loans and leases to total assets | 64.0065% | 2,042 |
| Net loans and leases to deposits | 70.1255% | 2,489 |
| Net loans and leases to core deposits | 71.5405% | 2,740 |
| Total domestic deposits to total assets | 91.2742% | 301 |
| Equity capital to assets | 8.3140% | 4,265 |
| Core capital (leverage) ratio | 8.4032% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8964% | 2,946 |
| Memoranda: | ||
| Average total assets | $282,851,000 | 2,526 |
| Average earning assets | $272,975,000 | 2,472 |
| Average equity | $24,380,000 | 2,904 |
| Average total loans | $186,891,000 | 2,381 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 2,119 |
| Cost of funding earning assets | 0.3943% | 3,615 |
| Net interest margin | 3.8117% | 1,470 |
| Noninterest income to average assets | 1.6281% | 472 |
| Noninterest expense to average assets | 3.2511% | 968 |
| Loan and lease loss provision to assets | 0.2359% | 1,649 |
| Net operating income to assets | 1.7877% | 400 |
| Return on assets (ROA) | 1.7877% | 432 |
| Pretax return on assets | 1.8086% | 673 |
| Return on Equity (ROE) | 19.3806% | 261 |
| Retained earnings to average equity (ytd only) | 7.1692% | 1,331 |
| Net charge-offs to loans | 0.0584% | 1,943 |
| Credit loss provision to net charge-offs | 566.0377% | 1,151 |
| Earnings coverage of net charge-offs (x) | 49.0566% | 1,218 |
| Efficiency ratio | 61.3928% | 3,246 |
| Assets per employee ($millions) | 4.1634% | 4,240 |
| Cash dividends to net income (ytd only)* | 63.0086% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 3,962 |
| Loan loss allowance to noncurrent loans | 345.8015% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 3,327 |
| Noncurrent loans to loans | 0.2822% | 3,191 |
| Net loans and leases to total assets | 66.9219% | 1,963 |
| Net loans and leases to deposits | 73.8428% | 2,501 |
| Net loans and leases to core deposits | 75.2540% | 2,796 |
| Total domestic deposits to total assets | 90.6275% | 326 |
| Equity capital to assets | 8.9427% | 4,109 |
| Core capital (leverage) ratio | 8.5682% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0356% | 2,911 |
| Memoranda: | ||
| Average total assets | $254,342,400 | 2,553 |
| Average earning assets | $244,721,000 | 2,494 |
| Average equity | $23,461,600 | 2,909 |
| Average total loans | $181,467,800 | 2,400 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 2,138 |
| Cost of funding earning assets | 0.4350% | 3,609 |
| Net interest margin | 3.8520% | 1,473 |
| Noninterest income to average assets | 1.6370% | 441 |
| Noninterest expense to average assets | 3.1445% | 1,162 |
| Loan and lease loss provision to assets | 0.2941% | 1,376 |
| Net operating income to assets | 1.8745% | 389 |
| Return on assets (ROA) | 1.8745% | 428 |
| Pretax return on assets | 1.9029% | 629 |
| Return on Equity (ROE) | 20.1515% | 235 |
| Retained earnings to average equity (ytd only) | 9.2821% | 915 |
| Net charge-offs to loans | 0.0214% | 2,427 |
| Credit loss provision to net charge-offs | 1,896.5517% | 501 |
| Earnings coverage of net charge-offs (x) | 141.6207% | 631 |
| Efficiency ratio | 58.8683% | 3,541 |
| Assets per employee ($millions) | 4.1619% | 4,179 |
| Cash dividends to net income (ytd only)* | 53.9384% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,758 |
| Loan loss allowance to noncurrent loans | 427.6744% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 3,612 |
| Noncurrent loans to loans | 0.2307% | 3,479 |
| Net loans and leases to total assets | 69.2769% | 2,063 |
| Net loans and leases to deposits | 78.0385% | 2,531 |
| Net loans and leases to core deposits | 79.7788% | 2,861 |
| Total domestic deposits to total assets | 88.7727% | 871 |
| Equity capital to assets | 9.2153% | 3,941 |
| Core capital (leverage) ratio | 8.6739% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5365% | 2,779 |
| Memoranda: | ||
| Average total assets | $249,232,250 | 2,570 |
| Average earning assets | $239,694,750 | 2,514 |
| Average equity | $23,183,750 | 2,924 |
| Average total loans | $180,409,250 | 2,411 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 2,284 |
| Cost of funding earning assets | 0.4809% | 3,651 |
| Net interest margin | 3.8874% | 1,600 |
| Noninterest income to average assets | 1.5153% | 455 |
| Noninterest expense to average assets | 3.1726% | 1,209 |
| Loan and lease loss provision to assets | 0.0821% | 3,257 |
| Net operating income to assets | 1.9481% | 368 |
| Return on assets (ROA) | 1.9481% | 409 |
| Pretax return on assets | 1.9916% | 555 |
| Return on Equity (ROE) | 20.8714% | 209 |
| Retained earnings to average equity (ytd only) | 9.3006% | 936 |
| Net charge-offs to loans | 0.0168% | 2,395 |
| Credit loss provision to net charge-offs | 666.6667% | 1,028 |
| Earnings coverage of net charge-offs (x) | 168.3333% | 501 |
| Efficiency ratio | 60.4728% | 3,346 |
| Assets per employee ($millions) | 4.1453% | 4,158 |
| Cash dividends to net income (ytd only)* | 55.4384% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 4,440 |
| Loan loss allowance to noncurrent loans | 159.7950% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3362% | 2,958 |
| Noncurrent loans to loans | 0.4752% | 2,725 |
| Net loans and leases to total assets | 70.2150% | 1,996 |
| Net loans and leases to deposits | 78.8647% | 2,562 |
| Net loans and leases to core deposits | 81.4826% | 2,816 |
| Total domestic deposits to total assets | 89.0322% | 728 |
| Equity capital to assets | 9.1425% | 3,968 |
| Core capital (leverage) ratio | 8.9089% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4800% | 2,822 |
| Memoranda: | ||
| Average total assets | $243,523,000 | 2,585 |
| Average earning assets | $233,730,000 | 2,527 |
| Average equity | $22,729,667 | 2,948 |
| Average total loans | $178,424,000 | 2,417 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 2,173 |
| Cost of funding earning assets | 0.5339% | 3,773 |
| Net interest margin | 4.0113% | 1,362 |
| Noninterest income to average assets | 1.2731% | 541 |
| Noninterest expense to average assets | 3.2585% | 1,298 |
| Loan and lease loss provision to assets | 0.0852% | 2,625 |
| Net operating income to assets | 1.6804% | 533 |
| Return on assets (ROA) | 1.6804% | 587 |
| Pretax return on assets | 1.7707% | 745 |
| Return on Equity (ROE) | 17.8006% | 285 |
| Retained earnings to average equity (ytd only) | 1.7331% | 3,536 |
| Net charge-offs to loans | 0.0091% | 2,234 |
| Credit loss provision to net charge-offs | 1,250.0000% | 485 |
| Earnings coverage of net charge-offs (x) | 272.2500% | 261 |
| Efficiency ratio | 63.7121% | 3,277 |
| Assets per employee ($millions) | 3.9140% | 4,033 |
| Cash dividends to net income (ytd only)* | 90.2637% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7735% | 4,464 |
| Loan loss allowance to noncurrent loans | 138.0567% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 2,783 |
| Noncurrent loans to loans | 0.5603% | 2,598 |
| Net loans and leases to total assets | 74.5080% | 1,532 |
| Net loans and leases to deposits | 82.4423% | 2,395 |
| Net loans and leases to core deposits | 85.0197% | 2,762 |
| Total domestic deposits to total assets | 90.3759% | 226 |
| Equity capital to assets | 9.4712% | 4,246 |
| Core capital (leverage) ratio | 9.1408% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4000% | 2,970 |
| Memoranda: | ||
| Average total assets | $234,707,000 | 2,602 |
| Average earning assets | $224,767,500 | 2,539 |
| Average equity | $22,156,500 | 2,985 |
| Average total loans | $175,249,500 | 2,409 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 2,953 |
| Cost of funding earning assets | 0.5264% | 3,982 |
| Net interest margin | 3.9721% | 1,933 |
| Noninterest income to average assets | 1.2372% | 614 |
| Noninterest expense to average assets | 3.3970% | 1,124 |
| Loan and lease loss provision to assets | 0.0884% | 2,251 |
| Net operating income to assets | 1.5611% | 916 |
| Return on assets (ROA) | 1.5431% | 1,015 |
| Pretax return on assets | 1.5626% | 1,609 |
| Return on Equity (ROE) | 16.9015% | 430 |
| Retained earnings to average equity (ytd only) | 7.8964% | 1,005 |
| Net charge-offs to loans | 0.0677% | 2,120 |
| Credit loss provision to net charge-offs | 176.9912% | 1,471 |
| Earnings coverage of net charge-offs (x) | 33.4159% | 1,473 |
| Efficiency ratio | 67.0535% | 2,612 |
| Assets per employee ($millions) | 3.7234% | 4,240 |
| Cash dividends to net income (ytd only)* | 53.2799% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7568% | 4,427 |
| Loan loss allowance to noncurrent loans | 385.3801% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 3,909 |
| Noncurrent loans to loans | 0.1964% | 3,754 |
| Net loans and leases to total assets | 73.6836% | 1,804 |
| Net loans and leases to deposits | 81.5317% | 2,611 |
| Net loans and leases to core deposits | 84.0301% | 2,949 |
| Total domestic deposits to total assets | 90.3741% | 221 |
| Equity capital to assets | 9.4089% | 4,420 |
| Core capital (leverage) ratio | 9.3040% | 4,275 |
| Tier 1 risk-based capital ratio | 11.9031% | 4,420 |
| Total risk-based capital ratio | 12.6347% | 4,569 |
| Memoranda: | ||
| Average total assets | $226,230,400 | 2,611 |
| Average earning assets | $218,072,800 | 2,544 |
| Average equity | $20,655,000 | 3,072 |
| Average total loans | $166,970,200 | 2,446 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 3,168 |
| Cost of funding earning assets | 0.5226% | 4,058 |
| Net interest margin | 3.9415% | 2,128 |
| Noninterest income to average assets | 1.2176% | 615 |
| Noninterest expense to average assets | 3.3026% | 1,262 |
| Loan and lease loss provision to assets | 0.0892% | 2,116 |
| Net operating income to assets | 1.6038% | 924 |
| Return on assets (ROA) | 1.5787% | 1,032 |
| Pretax return on assets | 1.6049% | 1,619 |
| Return on Equity (ROE) | 17.4306% | 440 |
| Retained earnings to average equity (ytd only) | 7.1194% | 1,805 |
| Net charge-offs to loans | 0.0307% | 2,460 |
| Credit loss provision to net charge-offs | 394.7368% | 768 |
| Earnings coverage of net charge-offs (x) | 76.0720% | 888 |
| Efficiency ratio | 65.7586% | 2,757 |
| Assets per employee ($millions) | 3.6190% | 4,371 |
| Cash dividends to net income (ytd only)* | 59.1559% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7908% | 4,434 |
| Loan loss allowance to noncurrent loans | 384.8138% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 3,959 |
| Noncurrent loans to loans | 0.2055% | 3,806 |
| Net loans and leases to total assets | 75.0888% | 1,633 |
| Net loans and leases to deposits | 83.3523% | 2,522 |
| Net loans and leases to core deposits | 85.3175% | 2,965 |
| Total domestic deposits to total assets | 90.0861% | 265 |
| Equity capital to assets | 9.6474% | 4,339 |
| Core capital (leverage) ratio | 9.3347% | 4,340 |
| Tier 1 risk-based capital ratio | 12.3092% | 4,254 |
| Total risk-based capital ratio | 13.1003% | 4,374 |
| Memoranda: | ||
| Average total assets | $224,144,000 | 2,648 |
| Average earning assets | $216,358,000 | 2,580 |
| Average equity | $20,301,000 | 3,122 |
| Average total loans | $165,172,250 | 2,480 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 3,427 |
| Cost of funding earning assets | 0.4936% | 4,143 |
| Net interest margin | 3.8738% | 2,329 |
| Noninterest income to average assets | 1.1256% | 668 |
| Noninterest expense to average assets | 3.2633% | 1,353 |
| Loan and lease loss provision to assets | 0.0893% | 2,058 |
| Net operating income to assets | 1.4807% | 1,200 |
| Return on assets (ROA) | 1.4487% | 1,351 |
| Pretax return on assets | 1.4880% | 1,895 |
| Return on Equity (ROE) | 16.3507% | 538 |
| Retained earnings to average equity (ytd only) | 3.4555% | 3,508 |
| Net charge-offs to loans | 0.0367% | 2,139 |
| Credit loss provision to net charge-offs | 333.3333% | 828 |
| Earnings coverage of net charge-offs (x) | 60.1333% | 980 |
| Efficiency ratio | 66.9597% | 2,691 |
| Assets per employee ($millions) | 3.6465% | 4,316 |
| Cash dividends to net income (ytd only)* | 78.8663% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7803% | 4,511 |
| Loan loss allowance to noncurrent loans | 1,151.3274% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 4,514 |
| Noncurrent loans to loans | 0.0678% | 4,377 |
| Net loans and leases to total assets | 73.1758% | 2,029 |
| Net loans and leases to deposits | 84.8761% | 2,381 |
| Net loans and leases to core deposits | 85.7814% | 2,978 |
| Total domestic deposits to total assets | 86.2148% | 1,927 |
| Equity capital to assets | 9.1895% | 4,664 |
| Core capital (leverage) ratio | 8.9600% | 4,658 |
| Tier 1 risk-based capital ratio | 12.1504% | 4,330 |
| Total risk-based capital ratio | 12.9347% | 4,487 |
| Memoranda: | ||
| Average total assets | $224,065,000 | 2,657 |
| Average earning assets | $216,788,000 | 2,589 |
| Average equity | $19,852,330 | 3,160 |
| Average total loans | $163,620,330 | 2,500 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 3,619 |
| Cost of funding earning assets | 0.4822% | 4,144 |
| Net interest margin | 3.7964% | 2,538 |
| Noninterest income to average assets | 1.0419% | 736 |
| Noninterest expense to average assets | 3.2422% | 1,403 |
| Loan and lease loss provision to assets | 0.0897% | 1,916 |
| Net operating income to assets | 1.3131% | 1,651 |
| Return on assets (ROA) | 1.2643% | 1,884 |
| Pretax return on assets | 1.3432% | 2,277 |
| Return on Equity (ROE) | 14.5432% | 847 |
| Retained earnings to average equity (ytd only) | -5.8792% | 4,970 |
| Net charge-offs to loans | 0.0025% | 2,667 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 828.0000% | 78 |
| Efficiency ratio | 68.5888% | 2,552 |
| Assets per employee ($millions) | 3.6230% | 4,436 |
| Cash dividends to net income (ytd only)* | 140.4255% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7829% | 4,571 |
| Loan loss allowance to noncurrent loans | 542.3729% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 4,287 |
| Noncurrent loans to loans | 0.1444% | 4,092 |
| Net loans and leases to total assets | 72.2130% | 2,117 |
| Net loans and leases to deposits | 81.5996% | 2,652 |
| Net loans and leases to core deposits | 82.4486% | 3,152 |
| Total domestic deposits to total assets | 88.4967% | 1,092 |
| Equity capital to assets | 8.7288% | 4,862 |
| Core capital (leverage) ratio | 8.7714% | 4,813 |
| Tier 1 risk-based capital ratio | 11.7911% | 4,570 |
| Total risk-based capital ratio | 12.5639% | 4,741 |
| Memoranda: | ||
| Average total assets | $223,056,000 | 2,699 |
| Average earning assets | $216,521,500 | 2,613 |
| Average equity | $19,390,500 | 3,212 |
| Average total loans | $162,061,000 | 2,543 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,718 |
| Cost of funding earning assets | 0.3467% | 4,301 |
| Net interest margin | 3.7615% | 2,817 |
| Noninterest income to average assets | 1.1476% | 696 |
| Noninterest expense to average assets | 3.2519% | 1,428 |
| Loan and lease loss provision to assets | 0.1101% | 1,997 |
| Net operating income to assets | 1.4332% | 1,327 |
| Return on assets (ROA) | 1.4232% | 1,351 |
| Pretax return on assets | 1.4384% | 1,997 |
| Return on Equity (ROE) | 17.1900% | 475 |
| Retained earnings to average equity (ytd only) | 9.1296% | 815 |
| Net charge-offs to loans | 0.0633% | 2,216 |
| Credit loss provision to net charge-offs | 247.4227% | 1,203 |
| Earnings coverage of net charge-offs (x) | 35.0309% | 1,448 |
| Efficiency ratio | 67.6011% | 2,615 |
| Assets per employee ($millions) | 3.5157% | 4,532 |
| Cash dividends to net income (ytd only)* | 46.8901% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 4,634 |
| Loan loss allowance to noncurrent loans | 621.7172% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 4,372 |
| Noncurrent loans to loans | 0.1233% | 4,176 |
| Net loans and leases to total assets | 71.9693% | 2,261 |
| Net loans and leases to deposits | 82.1454% | 2,711 |
| Net loans and leases to core deposits | 82.5898% | 3,215 |
| Total domestic deposits to total assets | 87.6120% | 1,480 |
| Equity capital to assets | 8.6569% | 4,840 |
| Core capital (leverage) ratio | 9.0071% | 4,645 |
| Tier 1 risk-based capital ratio | 12.1566% | 4,321 |
| Total risk-based capital ratio | 12.9119% | 4,527 |
| Memoranda: | ||
| Average total assets | $218,023,600 | 2,711 |
| Average earning assets | $212,307,200 | 2,622 |
| Average equity | $18,051,200 | 3,295 |
| Average total loans | $153,204,800 | 2,609 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 3,830 |
| Cost of funding earning assets | 0.3164% | 4,402 |
| Net interest margin | 3.7185% | 2,947 |
| Noninterest income to average assets | 1.1402% | 725 |
| Noninterest expense to average assets | 3.2185% | 1,483 |
| Loan and lease loss provision to assets | 0.1105% | 1,827 |
| Net operating income to assets | 1.4132% | 1,442 |
| Return on assets (ROA) | 1.3999% | 1,494 |
| Pretax return on assets | 1.4201% | 2,158 |
| Return on Equity (ROE) | 17.1066% | 536 |
| Retained earnings to average equity (ytd only) | 7.6904% | 1,801 |
| Net charge-offs to loans | 0.0291% | 2,516 |
| Credit loss provision to net charge-offs | 545.4545% | 649 |
| Earnings coverage of net charge-offs (x) | 76.2102% | 902 |
| Efficiency ratio | 67.5777% | 2,615 |
| Assets per employee ($millions) | 3.5810% | 4,455 |
| Cash dividends to net income (ytd only)* | 55.0439% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 4,664 |
| Loan loss allowance to noncurrent loans | 556.3063% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 4,466 |
| Noncurrent loans to loans | 0.1416% | 4,249 |
| Net loans and leases to total assets | 71.2001% | 2,462 |
| Net loans and leases to deposits | 81.8752% | 2,833 |
| Net loans and leases to core deposits | 82.3264% | 3,300 |
| Total domestic deposits to total assets | 86.9618% | 1,749 |
| Equity capital to assets | 8.2370% | 5,065 |
| Core capital (leverage) ratio | 8.7694% | 4,908 |
| Tier 1 risk-based capital ratio | 12.0955% | 4,451 |
| Total risk-based capital ratio | 12.8739% | 4,607 |
| Memoranda: | ||
| Average total assets | $217,157,250 | 2,731 |
| Average earning assets | $211,548,000 | 2,639 |
| Average equity | $17,770,500 | 3,344 |
| Average total loans | $151,347,250 | 2,645 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,924 |
| Cost of funding earning assets | 0.2860% | 4,528 |
| Net interest margin | 3.6649% | 3,063 |
| Noninterest income to average assets | 1.1055% | 787 |
| Noninterest expense to average assets | 3.2206% | 1,486 |
| Loan and lease loss provision to assets | 0.1107% | 1,781 |
| Net operating income to assets | 1.3146% | 1,716 |
| Return on assets (ROA) | 1.2947% | 1,784 |
| Pretax return on assets | 1.3252% | 2,416 |
| Return on Equity (ROE) | 15.8564% | 698 |
| Retained earnings to average equity (ytd only) | 5.6848% | 2,734 |
| Net charge-offs to loans | 0.0080% | 2,839 |
| Credit loss provision to net charge-offs | 2,000.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 263.0000% | 344 |
| Efficiency ratio | 68.8635% | 2,505 |
| Assets per employee ($millions) | 3.5505% | 4,532 |
| Cash dividends to net income (ytd only)* | 64.1483% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 4,743 |
| Loan loss allowance to noncurrent loans | 502.9289% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 4,443 |
| Noncurrent loans to loans | 0.1558% | 4,206 |
| Net loans and leases to total assets | 70.2858% | 2,536 |
| Net loans and leases to deposits | 79.4952% | 3,002 |
| Net loans and leases to core deposits | 80.0571% | 3,414 |
| Total domestic deposits to total assets | 88.4151% | 1,177 |
| Equity capital to assets | 8.1876% | 5,140 |
| Core capital (leverage) ratio | 8.6544% | 4,992 |
| Tier 1 risk-based capital ratio | 12.6117% | 4,123 |
| Total risk-based capital ratio | 13.4238% | 4,267 |
| Memoranda: | ||
| Average total assets | $216,729,000 | 2,752 |
| Average earning assets | $211,190,670 | 2,656 |
| Average equity | $17,696,330 | 3,367 |
| Average total loans | $149,541,000 | 2,669 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8470% | 4,094 |
| Cost of funding earning assets | 0.2747% | 4,548 |
| Net interest margin | 3.5724% | 3,273 |
| Noninterest income to average assets | 1.0590% | 817 |
| Noninterest expense to average assets | 3.1752% | 1,623 |
| Loan and lease loss provision to assets | 0.1107% | 1,697 |
| Net operating income to assets | 1.1919% | 2,043 |
| Return on assets (ROA) | 1.1919% | 2,057 |
| Pretax return on assets | 1.2528% | 2,544 |
| Return on Equity (ROE) | 14.6170% | 872 |
| Retained earnings to average equity (ytd only) | 0.3620% | 4,751 |
| Net charge-offs to loans | -0.0542% | 5,003 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9593% | 2,490 |
| Assets per employee ($millions) | 3.4612% | 4,710 |
| Cash dividends to net income (ytd only)* | 97.5232% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,812 |
| Loan loss allowance to noncurrent loans | 605.1813% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 4,648 |
| Noncurrent loans to loans | 0.1308% | 4,383 |
| Net loans and leases to total assets | 67.1543% | 2,870 |
| Net loans and leases to deposits | 73.0545% | 3,511 |
| Net loans and leases to core deposits | 73.6423% | 3,848 |
| Total domestic deposits to total assets | 91.9236% | 120 |
| Equity capital to assets | 7.9842% | 5,275 |
| Core capital (leverage) ratio | 8.4442% | 5,175 |
| Tier 1 risk-based capital ratio | 12.6418% | 4,146 |
| Total risk-based capital ratio | 13.4539% | 4,328 |
| Memoranda: | ||
| Average total assets | $216,802,000 | 2,783 |
| Average earning assets | $211,176,500 | 2,680 |
| Average equity | $17,678,000 | 3,397 |
| Average total loans | $147,597,000 | 2,719 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7859% | 4,093 |
| Cost of funding earning assets | 0.2787% | 4,327 |
| Net interest margin | 3.5072% | 3,499 |
| Noninterest income to average assets | 1.1532% | 769 |
| Noninterest expense to average assets | 3.2643% | 1,449 |
| Loan and lease loss provision to assets | 0.0943% | 2,316 |
| Net operating income to assets | 1.2088% | 1,493 |
| Return on assets (ROA) | 1.2060% | 1,535 |
| Pretax return on assets | 1.2102% | 2,736 |
| Return on Equity (ROE) | 14.9112% | 620 |
| Retained earnings to average equity (ytd only) | 8.5957% | 586 |
| Net charge-offs to loans | 0.1441% | 1,636 |
| Credit loss provision to net charge-offs | 94.7867% | 2,706 |
| Earnings coverage of net charge-offs (x) | 13.1374% | 2,420 |
| Efficiency ratio | 71.4020% | 2,320 |
| Assets per employee ($millions) | 3.5925% | 4,584 |
| Cash dividends to net income (ytd only)* | 42.3543% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7372% | 4,984 |
| Loan loss allowance to noncurrent loans | 295.6522% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 4,276 |
| Noncurrent loans to loans | 0.2493% | 3,897 |
| Net loans and leases to total assets | 67.9682% | 2,821 |
| Net loans and leases to deposits | 74.2383% | 3,500 |
| Net loans and leases to core deposits | 74.8149% | 3,823 |
| Total domestic deposits to total assets | 91.5541% | 129 |
| Equity capital to assets | 8.3258% | 5,245 |
| Core capital (leverage) ratio | 8.4947% | 5,142 |
| Tier 1 risk-based capital ratio | 12.6017% | 4,144 |
| Total risk-based capital ratio | 13.3565% | 4,353 |
| Memoranda: | ||
| Average total assets | $212,024,000 | 2,798 |
| Average earning assets | $206,660,200 | 2,706 |
| Average equity | $17,148,200 | 3,471 |
| Average total loans | $146,420,600 | 2,691 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 4,172 |
| Cost of funding earning assets | 0.2759% | 4,352 |
| Net interest margin | 3.4761% | 3,585 |
| Noninterest income to average assets | 1.1265% | 795 |
| Noninterest expense to average assets | 3.2476% | 1,462 |
| Loan and lease loss provision to assets | 0.1263% | 1,717 |
| Net operating income to assets | 1.1366% | 1,925 |
| Return on assets (ROA) | 1.1392% | 1,971 |
| Pretax return on assets | 1.1448% | 3,133 |
| Return on Equity (ROE) | 14.1914% | 796 |
| Retained earnings to average equity (ytd only) | 5.6719% | 2,448 |
| Net charge-offs to loans | 0.1004% | 1,782 |
| Credit loss provision to net charge-offs | 181.8182% | 1,454 |
| Earnings coverage of net charge-offs (x) | 18.2640% | 2,063 |
| Efficiency ratio | 71.9100% | 2,218 |
| Assets per employee ($millions) | 3.5037% | 4,731 |
| Cash dividends to net income (ytd only)* | 60.0332% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 4,893 |
| Loan loss allowance to noncurrent loans | 469.9605% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 4,652 |
| Noncurrent loans to loans | 0.1702% | 4,385 |
| Net loans and leases to total assets | 68.9782% | 2,699 |
| Net loans and leases to deposits | 76.9554% | 3,272 |
| Net loans and leases to core deposits | 77.6093% | 3,671 |
| Total domestic deposits to total assets | 89.6340% | 605 |
| Equity capital to assets | 8.2694% | 5,411 |
| Core capital (leverage) ratio | 8.0791% | 5,488 |
| Tier 1 risk-based capital ratio | 12.0128% | 4,607 |
| Total risk-based capital ratio | 12.8332% | 4,783 |
| Memoranda: | ||
| Average total assets | $211,143,000 | 2,832 |
| Average earning assets | $205,896,500 | 2,728 |
| Average equity | $16,948,750 | 3,524 |
| Average total loans | $146,127,750 | 2,713 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 4,255 |
| Cost of funding earning assets | 0.2616% | 4,446 |
| Net interest margin | 3.4288% | 3,670 |
| Noninterest income to average assets | 1.1242% | 791 |
| Noninterest expense to average assets | 3.2223% | 1,531 |
| Loan and lease loss provision to assets | 0.1427% | 1,432 |
| Net operating income to assets | 1.0910% | 2,021 |
| Return on assets (ROA) | 1.0947% | 2,061 |
| Pretax return on assets | 1.1042% | 3,156 |
| Return on Equity (ROE) | 13.7787% | 853 |
| Retained earnings to average equity (ytd only) | 3.2082% | 3,808 |
| Net charge-offs to loans | 0.0674% | 1,964 |
| Credit loss provision to net charge-offs | 306.1224% | 950 |
| Earnings coverage of net charge-offs (x) | 26.6735% | 1,565 |
| Efficiency ratio | 72.1619% | 2,307 |
| Assets per employee ($millions) | 3.5151% | 4,701 |
| Cash dividends to net income (ytd only)* | 76.7159% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8128% | 4,916 |
| Loan loss allowance to noncurrent loans | 517.2414% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 4,765 |
| Noncurrent loans to loans | 0.1571% | 4,488 |
| Net loans and leases to total assets | 68.2985% | 2,766 |
| Net loans and leases to deposits | 76.7467% | 3,251 |
| Net loans and leases to core deposits | 77.5235% | 3,638 |
| Total domestic deposits to total assets | 88.9921% | 961 |
| Equity capital to assets | 8.0492% | 5,515 |
| Core capital (leverage) ratio | 8.0333% | 5,508 |
| Tier 1 risk-based capital ratio | 11.6570% | 4,859 |
| Total risk-based capital ratio | 12.4819% | 5,014 |
| Memoranda: | ||
| Average total assets | $210,281,670 | 2,860 |
| Average earning assets | $204,912,670 | 2,756 |
| Average equity | $16,707,000 | 3,562 |
| Average total loans | $145,299,000 | 2,725 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6264% | 4,346 |
| Cost of funding earning assets | 0.2545% | 4,501 |
| Net interest margin | 3.3719% | 3,751 |
| Noninterest income to average assets | 1.0662% | 880 |
| Noninterest expense to average assets | 3.2294% | 1,526 |
| Loan and lease loss provision to assets | 0.1441% | 1,302 |
| Net operating income to assets | 0.9568% | 2,496 |
| Return on assets (ROA) | 0.9586% | 2,544 |
| Pretax return on assets | 0.9778% | 3,470 |
| Return on Equity (ROE) | 12.1478% | 1,194 |
| Retained earnings to average equity (ytd only) | -5.3314% | 5,404 |
| Net charge-offs to loans | 0.0971% | 1,394 |
| Credit loss provision to net charge-offs | 214.2857% | 967 |
| Earnings coverage of net charge-offs (x) | 16.6571% | 1,632 |
| Efficiency ratio | 74.2491% | 2,192 |
| Assets per employee ($millions) | 3.5821% | 4,675 |
| Cash dividends to net income (ytd only)* | 143.8878% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 5,087 |
| Loan loss allowance to noncurrent loans | 412.6812% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 4,737 |
| Noncurrent loans to loans | 0.1923% | 4,435 |
| Net loans and leases to total assets | 67.3786% | 2,765 |
| Net loans and leases to deposits | 73.1190% | 3,492 |
| Net loans and leases to core deposits | 73.8417% | 3,849 |
| Total domestic deposits to total assets | 92.1493% | 89 |
| Equity capital to assets | 7.7547% | 5,611 |
| Core capital (leverage) ratio | 7.9187% | 5,590 |
| Tier 1 risk-based capital ratio | 11.6707% | 4,933 |
| Total risk-based capital ratio | 12.4778% | 5,083 |
| Memoranda: | ||
| Average total assets | $208,213,000 | 2,906 |
| Average earning assets | $202,733,500 | 2,804 |
| Average equity | $16,431,000 | 3,613 |
| Average total loans | $144,126,000 | 2,761 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 4,037 |
| Cost of funding earning assets | 0.2267% | 4,766 |
| Net interest margin | 3.5295% | 3,322 |
| Noninterest income to average assets | 1.2397% | 739 |
| Noninterest expense to average assets | 3.4063% | 1,342 |
| Loan and lease loss provision to assets | 0.3073% | 612 |
| Net operating income to assets | 0.9415% | 2,625 |
| Return on assets (ROA) | 0.7770% | 3,524 |
| Pretax return on assets | 0.7895% | 4,212 |
| Return on Equity (ROE) | 9.3856% | 2,236 |
| Retained earnings to average equity (ytd only) | 6.2289% | 1,589 |
| Net charge-offs to loans | 0.1826% | 1,517 |
| Credit loss provision to net charge-offs | 243.0830% | 1,194 |
| Earnings coverage of net charge-offs (x) | 10.0040% | 2,696 |
| Efficiency ratio | 72.9247% | 2,436 |
| Assets per employee ($millions) | 3.3620% | 4,957 |
| Cash dividends to net income (ytd only)* | 33.6334% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 5,214 |
| Loan loss allowance to noncurrent loans | 477.8261% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 4,865 |
| Noncurrent loans to loans | 0.1589% | 4,600 |
| Net loans and leases to total assets | 70.0273% | 2,464 |
| Net loans and leases to deposits | 76.2307% | 3,297 |
| Net loans and leases to core deposits | 76.9042% | 3,669 |
| Total domestic deposits to total assets | 91.8623% | 121 |
| Equity capital to assets | 8.0324% | 5,551 |
| Core capital (leverage) ratio | 8.1019% | 5,562 |
| Tier 1 risk-based capital ratio | 11.8355% | 4,832 |
| Total risk-based capital ratio | 12.6149% | 5,035 |
| Memoranda: | ||
| Average total assets | $200,128,200 | 2,956 |
| Average earning assets | $194,559,600 | 2,858 |
| Average equity | $16,568,000 | 3,616 |
| Average total loans | $138,525,800 | 2,800 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7535% | 4,071 |
| Cost of funding earning assets | 0.2179% | 4,897 |
| Net interest margin | 3.5356% | 3,339 |
| Noninterest income to average assets | 1.2040% | 792 |
| Noninterest expense to average assets | 3.4021% | 1,335 |
| Loan and lease loss provision to assets | 0.2467% | 773 |
| Net operating income to assets | 0.9762% | 2,538 |
| Return on assets (ROA) | 0.9814% | 2,647 |
| Pretax return on assets | 0.9982% | 3,643 |
| Return on Equity (ROE) | 11.7646% | 1,402 |
| Retained earnings to average equity (ytd only) | 7.5618% | 1,373 |
| Net charge-offs to loans | 0.1304% | 1,659 |
| Credit loss provision to net charge-offs | 274.6269% | 1,117 |
| Earnings coverage of net charge-offs (x) | 13.7987% | 2,282 |
| Efficiency ratio | 73.2958% | 2,391 |
| Assets per employee ($millions) | 3.3460% | 4,986 |
| Cash dividends to net income (ytd only)* | 35.7243% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6738% | 5,480 |
| Loan loss allowance to noncurrent loans | 429.6460% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 4,980 |
| Noncurrent loans to loans | 0.1568% | 4,727 |
| Net loans and leases to total assets | 70.1297% | 2,469 |
| Net loans and leases to deposits | 81.1531% | 2,833 |
| Net loans and leases to core deposits | 81.9175% | 3,289 |
| Total domestic deposits to total assets | 86.4166% | 2,161 |
| Equity capital to assets | 8.4617% | 5,551 |
| Core capital (leverage) ratio | 8.2039% | 5,573 |
| Tier 1 risk-based capital ratio | 11.7330% | 4,962 |
| Total risk-based capital ratio | 12.4193% | 5,187 |
| Memoranda: | ||
| Average total assets | $198,889,500 | 2,979 |
| Average earning assets | $193,379,250 | 2,874 |
| Average equity | $16,591,750 | 3,642 |
| Average total loans | $136,979,000 | 2,824 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7815% | 4,020 |
| Cost of funding earning assets | 0.2119% | 5,023 |
| Net interest margin | 3.5696% | 3,212 |
| Noninterest income to average assets | 1.1372% | 864 |
| Noninterest expense to average assets | 3.4126% | 1,346 |
| Loan and lease loss provision to assets | 0.2536% | 758 |
| Net operating income to assets | 0.9143% | 2,792 |
| Return on assets (ROA) | 0.9221% | 2,893 |
| Pretax return on assets | 0.9475% | 3,781 |
| Return on Equity (ROE) | 11.1089% | 1,597 |
| Retained earnings to average equity (ytd only) | 5.9394% | 2,149 |
| Net charge-offs to loans | 0.1530% | 1,412 |
| Credit loss provision to net charge-offs | 242.7184% | 1,128 |
| Earnings coverage of net charge-offs (x) | 11.4175% | 2,261 |
| Efficiency ratio | 74.0969% | 2,344 |
| Assets per employee ($millions) | 3.3100% | 5,048 |
| Cash dividends to net income (ytd only)* | 46.5347% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6305% | 5,640 |
| Loan loss allowance to noncurrent loans | 1,498.3051% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 5,472 |
| Noncurrent loans to loans | 0.0421% | 5,297 |
| Net loans and leases to total assets | 69.0033% | 2,628 |
| Net loans and leases to deposits | 78.0337% | 3,156 |
| Net loans and leases to core deposits | 78.4922% | 3,606 |
| Total domestic deposits to total assets | 88.4276% | 1,213 |
| Equity capital to assets | 8.4091% | 5,650 |
| Core capital (leverage) ratio | 8.1176% | 5,656 |
| Tier 1 risk-based capital ratio | 11.8204% | 4,959 |
| Total risk-based capital ratio | 12.4676% | 5,220 |
| Memoranda: | ||
| Average total assets | $197,149,670 | 3,011 |
| Average earning assets | $191,564,330 | 2,912 |
| Average equity | $16,365,330 | 3,685 |
| Average total loans | $134,601,330 | 2,859 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 3,746 |
| Cost of funding earning assets | 0.2116% | 5,090 |
| Net interest margin | 3.6442% | 2,911 |
| Noninterest income to average assets | 1.1213% | 868 |
| Noninterest expense to average assets | 3.4461% | 1,286 |
| Loan and lease loss provision to assets | 0.3122% | 496 |
| Net operating income to assets | 0.8488% | 2,993 |
| Return on assets (ROA) | 0.8585% | 3,071 |
| Pretax return on assets | 0.9098% | 3,801 |
| Return on Equity (ROE) | 10.4119% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.4119% | 760 |
| Net charge-offs to loans | 0.0121% | 2,720 |
| Credit loss provision to net charge-offs | 3,800.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 147.5000% | 406 |
| Efficiency ratio | 73.9859% | 2,480 |
| Assets per employee ($millions) | 3.3716% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6633% | 5,661 |
| Loan loss allowance to noncurrent loans | 265.7658% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 4,887 |
| Noncurrent loans to loans | 0.2496% | 4,537 |
| Net loans and leases to total assets | 67.7801% | 2,677 |
| Net loans and leases to deposits | 74.0994% | 3,426 |
| Net loans and leases to core deposits | 74.5331% | 3,836 |
| Total domestic deposits to total assets | 91.4719% | 162 |
| Equity capital to assets | 8.4044% | 5,631 |
| Core capital (leverage) ratio | 8.2736% | 5,592 |
| Tier 1 risk-based capital ratio | 12.1372% | 4,821 |
| Total risk-based capital ratio | 12.8053% | 5,103 |
| Memoranda: | ||
| Average total assets | $194,768,500 | 3,047 |
| Average earning assets | $189,010,500 | 2,944 |
| Average equity | $16,058,500 | 3,727 |
| Average total loans | $131,797,000 | 2,906 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6225% | 4,614 |
| Cost of funding earning assets | 0.2137% | 5,154 |
| Net interest margin | 3.4088% | 3,874 |
| Noninterest income to average assets | 1.2315% | 786 |
| Noninterest expense to average assets | 3.5089% | 1,277 |
| Loan and lease loss provision to assets | 0.1411% | 1,680 |
| Net operating income to assets | 0.8627% | 3,056 |
| Return on assets (ROA) | 0.8902% | 3,006 |
| Pretax return on assets | 0.9022% | 3,828 |
| Return on Equity (ROE) | 11.1786% | 1,550 |
| Retained earnings to average equity (ytd only) | 3.3017% | 3,697 |
| Net charge-offs to loans | 0.1774% | 1,617 |
| Credit loss provision to net charge-offs | 125.5814% | 2,070 |
| Earnings coverage of net charge-offs (x) | 9.0372% | 2,875 |
| Efficiency ratio | 77.5531% | 2,039 |
| Assets per employee ($millions) | 3.2331% | 5,257 |
| Cash dividends to net income (ytd only)* | 70.4639% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5662% | 5,847 |
| Loan loss allowance to noncurrent loans | 76.1364% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 3,638 |
| Noncurrent loans to loans | 0.7437% | 2,949 |
| Net loans and leases to total assets | 66.7199% | 2,882 |
| Net loans and leases to deposits | 73.7424% | 3,526 |
| Net loans and leases to core deposits | 74.1811% | 3,919 |
| Total domestic deposits to total assets | 90.4770% | 443 |
| Equity capital to assets | 8.0842% | 5,821 |
| Core capital (leverage) ratio | 8.2139% | 5,685 |
| Tier 1 risk-based capital ratio | 12.2030% | 4,826 |
| Total risk-based capital ratio | 12.7773% | 5,147 |
| Memoranda: | ||
| Average total assets | $191,311,200 | 3,032 |
| Average earning assets | $184,815,200 | 2,946 |
| Average equity | $15,234,400 | 3,801 |
| Average total loans | $121,168,600 | 3,034 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 4,690 |
| Cost of funding earning assets | 0.2153% | 5,228 |
| Net interest margin | 3.3985% | 3,964 |
| Noninterest income to average assets | 1.2260% | 800 |
| Noninterest expense to average assets | 3.4059% | 1,470 |
| Loan and lease loss provision to assets | 0.1630% | 1,308 |
| Net operating income to assets | 0.9197% | 2,861 |
| Return on assets (ROA) | 0.9567% | 2,775 |
| Pretax return on assets | 0.9728% | 3,726 |
| Return on Equity (ROE) | 12.0612% | 1,354 |
| Retained earnings to average equity (ytd only) | 1.4812% | 5,124 |
| Net charge-offs to loans | 0.0931% | 2,234 |
| Credit loss provision to net charge-offs | 280.7229% | 1,028 |
| Earnings coverage of net charge-offs (x) | 18.9163% | 1,975 |
| Efficiency ratio | 75.6211% | 2,303 |
| Assets per employee ($millions) | 3.1982% | 5,287 |
| Cash dividends to net income (ytd only)* | 87.7195% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6679% | 5,797 |
| Loan loss allowance to noncurrent loans | 64.7975% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 3,211 |
| Noncurrent loans to loans | 1.0307% | 2,414 |
| Net loans and leases to total assets | 65.5799% | 3,077 |
| Net loans and leases to deposits | 72.4704% | 3,707 |
| Net loans and leases to core deposits | 72.9128% | 4,110 |
| Total domestic deposits to total assets | 90.4919% | 387 |
| Equity capital to assets | 8.1641% | 5,891 |
| Core capital (leverage) ratio | 8.0873% | 5,853 |
| Tier 1 risk-based capital ratio | 12.3586% | 4,851 |
| Total risk-based capital ratio | 13.0296% | 5,138 |
| Memoranda: | ||
| Average total assets | $190,643,000 | 3,068 |
| Average earning assets | $183,882,500 | 2,983 |
| Average equity | $15,122,500 | 3,854 |
| Average total loans | $118,920,000 | 3,091 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5726% | 4,799 |
| Cost of funding earning assets | 0.2164% | 5,294 |
| Net interest margin | 3.3563% | 4,077 |
| Noninterest income to average assets | 1.2243% | 811 |
| Noninterest expense to average assets | 3.3551% | 1,565 |
| Loan and lease loss provision to assets | 0.0784% | 2,553 |
| Net operating income to assets | 0.9953% | 2,410 |
| Return on assets (ROA) | 1.0434% | 2,280 |
| Pretax return on assets | 1.0675% | 3,316 |
| Return on Equity (ROE) | 13.2816% | 1,061 |
| Retained earnings to average equity (ytd only) | -0.6920% | 5,644 |
| Net charge-offs to loans | 0.1094% | 1,903 |
| Credit loss provision to net charge-offs | 117.1875% | 1,842 |
| Earnings coverage of net charge-offs (x) | 16.3906% | 1,913 |
| Efficiency ratio | 75.3640% | 2,480 |
| Assets per employee ($millions) | 3.2310% | 5,295 |
| Cash dividends to net income (ytd only)* | 105.2104% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5746% | 6,010 |
| Loan loss allowance to noncurrent loans | 79.1096% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 4,149 |
| Noncurrent loans to loans | 0.7264% | 3,306 |
| Net loans and leases to total assets | 60.8384% | 3,709 |
| Net loans and leases to deposits | 68.1487% | 4,124 |
| Net loans and leases to core deposits | 68.6784% | 4,439 |
| Total domestic deposits to total assets | 89.2730% | 1,014 |
| Equity capital to assets | 7.4884% | 6,117 |
| Core capital (leverage) ratio | 7.7176% | 6,035 |
| Tier 1 risk-based capital ratio | 12.4919% | 4,813 |
| Total risk-based capital ratio | 13.0651% | 5,171 |
| Memoranda: | ||
| Average total assets | $191,293,330 | 3,087 |
| Average earning assets | $183,953,330 | 3,002 |
| Average equity | $15,028,330 | 3,883 |
| Average total loans | $117,034,670 | 3,137 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4830% | 5,014 |
| Cost of funding earning assets | 0.2160% | 5,355 |
| Net interest margin | 3.2669% | 4,359 |
| Noninterest income to average assets | 1.1487% | 865 |
| Noninterest expense to average assets | 3.3356% | 1,637 |
| Loan and lease loss provision to assets | 0.0807% | 2,355 |
| Net operating income to assets | 0.8647% | 2,935 |
| Return on assets (ROA) | 0.9151% | 2,799 |
| Pretax return on assets | 0.9639% | 3,631 |
| Return on Equity (ROE) | 11.3698% | 1,528 |
| Retained earnings to average equity (ytd only) | -1.8202% | 5,671 |
| Net charge-offs to loans | 0.1284% | 1,487 |
| Credit loss provision to net charge-offs | 102.7027% | 1,578 |
| Earnings coverage of net charge-offs (x) | 12.6216% | 1,783 |
| Efficiency ratio | 77.0854% | 2,329 |
| Assets per employee ($millions) | 3.2348% | 5,350 |
| Cash dividends to net income (ytd only)* | 116.0093% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5937% | 6,073 |
| Loan loss allowance to noncurrent loans | 64.0713% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 3,771 |
| Noncurrent loans to loans | 0.9266% | 2,928 |
| Net loans and leases to total assets | 59.9213% | 3,663 |
| Net loans and leases to deposits | 65.2075% | 4,248 |
| Net loans and leases to core deposits | 65.5931% | 4,560 |
| Total domestic deposits to total assets | 91.8932% | 158 |
| Equity capital to assets | 7.9779% | 6,041 |
| Core capital (leverage) ratio | 8.0051% | 5,944 |
| Tier 1 risk-based capital ratio | 13.8516% | 4,114 |
| Total risk-based capital ratio | 14.4786% | 4,398 |
| Memoranda: | ||
| Average total assets | $188,394,500 | 3,137 |
| Average earning assets | $183,292,500 | 3,026 |
| Average equity | $15,163,000 | 3,893 |
| Average total loans | $115,252,000 | 3,176 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4010% | 5,531 |
| Cost of funding earning assets | 0.2331% | 5,491 |
| Net interest margin | 3.1679% | 5,021 |
| Noninterest income to average assets | 1.2811% | 739 |
| Noninterest expense to average assets | 3.3772% | 1,746 |
| Loan and lease loss provision to assets | -0.1957% | 6,289 |
| Net operating income to assets | 1.1688% | 1,677 |
| Return on assets (ROA) | 1.2175% | 1,587 |
| Pretax return on assets | 1.2303% | 2,530 |
| Return on Equity (ROE) | 13.6900% | 995 |
| Retained earnings to average equity (ytd only) | -13.9665% | 6,374 |
| Net charge-offs to loans | 0.1750% | 2,273 |
| Credit loss provision to net charge-offs | -190.6250% | 5,617 |
| Earnings coverage of net charge-offs (x) | 9.5990% | 2,724 |
| Efficiency ratio | 77.4114% | 2,291 |
| Assets per employee ($millions) | 3.1515% | 5,507 |
| Cash dividends to net income (ytd only)* | 202.0202% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5907% | 6,154 |
| Loan loss allowance to noncurrent loans | 72.1693% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5206% | 4,060 |
| Noncurrent loans to loans | 0.8185% | 3,268 |
| Net loans and leases to total assets | 61.7295% | 3,536 |
| Net loans and leases to deposits | 67.3102% | 4,193 |
| Net loans and leases to core deposits | 67.7184% | 4,532 |
| Total domestic deposits to total assets | 91.7090% | 188 |
| Equity capital to assets | 8.1210% | 5,999 |
| Core capital (leverage) ratio | 8.1380% | 5,901 |
| Tier 1 risk-based capital ratio | 13.5125% | 4,407 |
| Total risk-based capital ratio | 14.1205% | 4,723 |
| Memoranda: | ||
| Average total assets | $187,021,600 | 3,134 |
| Average earning assets | $181,919,400 | 3,014 |
| Average equity | $16,632,600 | 3,586 |
| Average total loans | $109,693,200 | 3,222 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3431% | 5,684 |
| Cost of funding earning assets | 0.2356% | 5,548 |
| Net interest margin | 3.1076% | 5,235 |
| Noninterest income to average assets | 1.2501% | 776 |
| Noninterest expense to average assets | 3.3188% | 1,862 |
| Loan and lease loss provision to assets | 0.0541% | 3,293 |
| Net operating income to assets | 0.8842% | 2,993 |
| Return on assets (ROA) | 0.8849% | 3,092 |
| Pretax return on assets | 0.9020% | 3,975 |
| Return on Equity (ROE) | 9.7397% | 2,333 |
| Retained earnings to average equity (ytd only) | -23.9537% | 6,510 |
| Net charge-offs to loans | 0.1577% | 2,233 |
| Credit loss provision to net charge-offs | 59.3750% | 2,943 |
| Earnings coverage of net charge-offs (x) | 10.4845% | 2,538 |
| Efficiency ratio | 77.6482% | 2,242 |
| Assets per employee ($millions) | 3.1605% | 5,504 |
| Cash dividends to net income (ytd only)* | 345.9376% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 5,027 |
| Loan loss allowance to noncurrent loans | 101.8868% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6612% | 3,856 |
| Noncurrent loans to loans | 1.0222% | 3,029 |
| Net loans and leases to total assets | 61.5808% | 3,550 |
| Net loans and leases to deposits | 67.6058% | 4,173 |
| Net loans and leases to core deposits | 68.1474% | 4,497 |
| Total domestic deposits to total assets | 91.0882% | 338 |
| Equity capital to assets | 7.8491% | 6,198 |
| Core capital (leverage) ratio | 7.7334% | 6,203 |
| Tier 1 risk-based capital ratio | 13.1920% | 4,733 |
| Total risk-based capital ratio | 14.2788% | 4,771 |
| Memoranda: | ||
| Average total assets | $187,292,750 | 3,163 |
| Average earning assets | $182,261,000 | 3,030 |
| Average equity | $17,015,750 | 3,542 |
| Average total loans | $108,251,500 | 3,278 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2760% | 5,833 |
| Cost of funding earning assets | 0.2354% | 5,626 |
| Net interest margin | 3.0406% | 5,416 |
| Noninterest income to average assets | 1.2077% | 802 |
| Noninterest expense to average assets | 3.2223% | 2,123 |
| Loan and lease loss provision to assets | 0.0530% | 3,240 |
| Net operating income to assets | 0.8642% | 2,988 |
| Return on assets (ROA) | 0.8642% | 3,083 |
| Pretax return on assets | 0.8907% | 3,920 |
| Return on Equity (ROE) | 9.1104% | 2,541 |
| Retained earnings to average equity (ytd only) | 9.1104% | 953 |
| Net charge-offs to loans | 0.0602% | 3,114 |
| Credit loss provision to net charge-offs | 156.2500% | 1,417 |
| Earnings coverage of net charge-offs (x) | 27.8125% | 1,326 |
| Efficiency ratio | 77.3479% | 2,398 |
| Assets per employee ($millions) | 3.2314% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 4,592 |
| Loan loss allowance to noncurrent loans | 116.5894% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 4,292 |
| Noncurrent loans to loans | 0.9987% | 3,237 |
| Net loans and leases to total assets | 56.0106% | 4,285 |
| Net loans and leases to deposits | 62.1205% | 4,680 |
| Net loans and leases to core deposits | 62.6030% | 4,924 |
| Total domestic deposits to total assets | 90.1644% | 730 |
| Equity capital to assets | 9.6415% | 4,571 |
| Core capital (leverage) ratio | 9.5221% | 4,299 |
| Tier 1 risk-based capital ratio | 17.9409% | 2,266 |
| Total risk-based capital ratio | 19.1746% | 2,237 |
| Memoranda: | ||
| Average total assets | $188,621,330 | 3,168 |
| Average earning assets | $183,518,670 | 3,036 |
| Average equity | $17,891,670 | 3,431 |
| Average total loans | $106,312,000 | 3,328 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2559% | 5,926 |
| Cost of funding earning assets | 0.2387% | 5,685 |
| Net interest margin | 3.0172% | 5,483 |
| Noninterest income to average assets | 1.1386% | 860 |
| Noninterest expense to average assets | 3.1620% | 2,345 |
| Loan and lease loss provision to assets | 0.0533% | 3,043 |
| Net operating income to assets | 0.8102% | 3,104 |
| Return on assets (ROA) | 0.8102% | 3,175 |
| Pretax return on assets | 0.8614% | 3,857 |
| Return on Equity (ROE) | 8.6136% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.6136% | 1,380 |
| Net charge-offs to loans | 0.0721% | 2,427 |
| Credit loss provision to net charge-offs | 131.5789% | 1,373 |
| Earnings coverage of net charge-offs (x) | 22.5789% | 1,246 |
| Efficiency ratio | 77.5628% | 2,541 |
| Assets per employee ($millions) | 3.2428% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 4,692 |
| Loan loss allowance to noncurrent loans | 127.4029% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 4,593 |
| Noncurrent loans to loans | 0.9325% | 3,554 |
| Net loans and leases to total assets | 55.1012% | 4,270 |
| Net loans and leases to deposits | 60.9551% | 4,667 |
| Net loans and leases to core deposits | 61.4327% | 4,931 |
| Total domestic deposits to total assets | 90.3964% | 860 |
| Equity capital to assets | 9.4829% | 4,523 |
| Core capital (leverage) ratio | 9.5519% | 4,208 |
| Tier 1 risk-based capital ratio | 17.8949% | 2,339 |
| Total risk-based capital ratio | 19.1434% | 2,318 |
| Memoranda: | ||
| Average total assets | $187,604,500 | 3,195 |
| Average earning assets | $182,685,000 | 3,069 |
| Average equity | $17,646,500 | 3,460 |
| Average total loans | $105,445,500 | 3,360 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2244% | 6,110 |
| Cost of funding earning assets | 0.2783% | 5,773 |
| Net interest margin | 2.9461% | 5,693 |
| Noninterest income to average assets | 1.3594% | 755 |
| Noninterest expense to average assets | 3.1883% | 2,450 |
| Loan and lease loss provision to assets | 0.0080% | 4,961 |
| Net operating income to assets | 1.0179% | 2,256 |
| Return on assets (ROA) | 1.0179% | 2,313 |
| Pretax return on assets | 1.0345% | 3,210 |
| Return on Equity (ROE) | 10.6872% | 1,869 |
| Retained earnings to average equity (ytd only) | 2.5269% | 4,456 |
| Net charge-offs to loans | 0.1175% | 3,639 |
| Credit loss provision to net charge-offs | 12.7119% | 4,555 |
| Earnings coverage of net charge-offs (x) | 16.4831% | 1,799 |
| Efficiency ratio | 75.3579% | 2,884 |
| Assets per employee ($millions) | 3.2263% | 5,434 |
| Cash dividends to net income (ytd only)* | 76.3560% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 4,812 |
| Loan loss allowance to noncurrent loans | 1,653.3333% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 6,254 |
| Noncurrent loans to loans | 0.0707% | 6,006 |
| Net loans and leases to total assets | 55.9885% | 4,319 |
| Net loans and leases to deposits | 61.8407% | 4,741 |
| Net loans and leases to core deposits | 62.3259% | 5,030 |
| Total domestic deposits to total assets | 90.5368% | 787 |
| Equity capital to assets | 9.3291% | 4,655 |
| Core capital (leverage) ratio | 9.2089% | 4,708 |
| Tier 1 risk-based capital ratio | 17.3829% | 2,460 |
| Total risk-based capital ratio | 18.6162% | 2,442 |
| Memoranda: | ||
| Average total assets | $186,556,800 | 3,205 |
| Average earning assets | $181,832,800 | 3,048 |
| Average equity | $17,769,000 | 3,454 |
| Average total loans | $100,455,800 | 3,434 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1923% | 6,207 |
| Cost of funding earning assets | 0.2869% | 5,838 |
| Net interest margin | 2.9054% | 5,804 |
| Noninterest income to average assets | 1.3496% | 801 |
| Noninterest expense to average assets | 3.1349% | 2,551 |
| Loan and lease loss provision to assets | 0.0107% | 4,777 |
| Net operating income to assets | 1.0142% | 2,320 |
| Return on assets (ROA) | 1.0142% | 2,409 |
| Pretax return on assets | 1.0364% | 3,349 |
| Return on Equity (ROE) | 10.5935% | 1,964 |
| Retained earnings to average equity (ytd only) | 10.5935% | 668 |
| Net charge-offs to loans | 0.0336% | 4,456 |
| Credit loss provision to net charge-offs | 60.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | 58.5644% | 768 |
| Efficiency ratio | 74.9615% | 2,910 |
| Assets per employee ($millions) | 3.2496% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 4,438 |
| Loan loss allowance to noncurrent loans | 770.5202% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 6,158 |
| Noncurrent loans to loans | 0.1676% | 5,817 |
| Net loans and leases to total assets | 55.0088% | 4,455 |
| Net loans and leases to deposits | 61.2762% | 4,836 |
| Net loans and leases to core deposits | 61.7160% | 5,146 |
| Total domestic deposits to total assets | 89.7719% | 1,126 |
| Equity capital to assets | 9.9862% | 3,921 |
| Core capital (leverage) ratio | 9.9033% | 3,806 |
| Tier 1 risk-based capital ratio | 18.7506% | 2,065 |
| Total risk-based capital ratio | 20.0018% | 2,033 |
| Memoranda: | ||
| Average total assets | $186,415,000 | 3,235 |
| Average earning assets | $181,727,250 | 3,078 |
| Average equity | $17,847,000 | 3,483 |
| Average total loans | $99,067,750 | 3,496 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1399% | 6,298 |
| Cost of funding earning assets | 0.2988% | 5,838 |
| Net interest margin | 2.8410% | 5,923 |
| Noninterest income to average assets | 1.4282% | 774 |
| Noninterest expense to average assets | 3.1336% | 2,571 |
| Loan and lease loss provision to assets | 0.0161% | 4,571 |
| Net operating income to assets | 1.0139% | 2,273 |
| Return on assets (ROA) | 1.0139% | 2,400 |
| Pretax return on assets | 1.0470% | 3,307 |
| Return on Equity (ROE) | 10.7429% | 1,907 |
| Retained earnings to average equity (ytd only) | 10.7429% | 695 |
| Net charge-offs to loans | 0.0696% | 3,714 |
| Credit loss provision to net charge-offs | 44.1176% | 3,340 |
| Earnings coverage of net charge-offs (x) | 29.2059% | 1,165 |
| Efficiency ratio | 74.6684% | 2,997 |
| Assets per employee ($millions) | 3.4118% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 4,341 |
| Loan loss allowance to noncurrent loans | 238.5586% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 5,580 |
| Noncurrent loans to loans | 0.5595% | 4,860 |
| Net loans and leases to total assets | 52.1591% | 4,840 |
| Net loans and leases to deposits | 57.8029% | 5,176 |
| Net loans and leases to core deposits | 58.2096% | 5,402 |
| Total domestic deposits to total assets | 90.2360% | 892 |
| Equity capital to assets | 9.5716% | 4,490 |
| Core capital (leverage) ratio | 9.4726% | 4,287 |
| Tier 1 risk-based capital ratio | 18.8755% | 2,030 |
| Total risk-based capital ratio | 20.1270% | 1,987 |
| Memoranda: | ||
| Average total assets | $186,811,670 | 3,247 |
| Average earning assets | $182,046,670 | 3,090 |
| Average equity | $17,630,330 | 3,535 |
| Average total loans | $97,682,670 | 3,547 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1464% | 6,355 |
| Cost of funding earning assets | 0.3065% | 5,922 |
| Net interest margin | 2.8400% | 5,943 |
| Noninterest income to average assets | 1.3649% | 827 |
| Noninterest expense to average assets | 3.0988% | 2,672 |
| Loan and lease loss provision to assets | 0.0322% | 4,042 |
| Net operating income to assets | 0.9314% | 2,514 |
| Return on assets (ROA) | 0.9314% | 2,655 |
| Pretax return on assets | 0.9979% | 3,360 |
| Return on Equity (ROE) | 9.9399% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.9399% | 1,123 |
| Net charge-offs to loans | 0.1486% | 2,510 |
| Credit loss provision to net charge-offs | 41.6667% | 2,724 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,533 |
| Efficiency ratio | 75.0520% | 3,091 |
| Assets per employee ($millions) | 3.3988% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 4,400 |
| Loan loss allowance to noncurrent loans | 3,004.5455% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 6,544 |
| Noncurrent loans to loans | 0.0454% | 6,347 |
| Net loans and leases to total assets | 50.1997% | 4,967 |
| Net loans and leases to deposits | 55.4092% | 5,307 |
| Net loans and leases to core deposits | 55.9921% | 5,523 |
| Total domestic deposits to total assets | 90.5980% | 714 |
| Equity capital to assets | 9.2906% | 5,144 |
| Core capital (leverage) ratio | 9.4206% | 4,208 |
| Tier 1 risk-based capital ratio | 18.6092% | 2,153 |
| Total risk-based capital ratio | 19.8602% | 2,127 |
| Memoranda: | ||
| Average total assets | $186,393,000 | 3,281 |
| Average earning assets | $181,411,000 | 3,128 |
| Average equity | $17,465,000 | 3,601 |
| Average total loans | $96,924,000 | 3,592 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 6,175 |
| Cost of funding earning assets | 0.3944% | 5,954 |
| Net interest margin | 3.2313% | 5,487 |
| Noninterest income to average assets | 1.4455% | 749 |
| Noninterest expense to average assets | 3.1827% | 2,671 |
| Loan and lease loss provision to assets | 0.0817% | 4,676 |
| Net operating income to assets | 1.3055% | 1,284 |
| Return on assets (ROA) | 1.3055% | 1,428 |
| Pretax return on assets | 1.3213% | 2,319 |
| Return on Equity (ROE) | 13.0917% | 1,202 |
| Retained earnings to average equity (ytd only) | 4.9021% | 2,762 |
| Net charge-offs to loans | 0.1059% | 4,605 |
| Credit loss provision to net charge-offs | 141.4141% | 1,939 |
| Earnings coverage of net charge-offs (x) | 24.2929% | 1,179 |
| Efficiency ratio | 69.4059% | 3,914 |
| Assets per employee ($millions) | 3.3173% | 5,385 |
| Cash dividends to net income (ytd only)* | 62.5559% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 4,240 |
| Loan loss allowance to noncurrent loans | 959.2857% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 6,418 |
| Noncurrent loans to loans | 0.1444% | 6,121 |
| Net loans and leases to total assets | 52.4170% | 4,861 |
| Net loans and leases to deposits | 57.9773% | 5,241 |
| Net loans and leases to core deposits | 58.6137% | 5,488 |
| Total domestic deposits to total assets | 90.4096% | 745 |
| Equity capital to assets | 9.4528% | 4,932 |
| Core capital (leverage) ratio | 9.6112% | 3,945 |
| Tier 1 risk-based capital ratio | 16.1830% | 3,060 |
| Total risk-based capital ratio | 17.4393% | 3,011 |
| Memoranda: | ||
| Average total assets | $171,426,000 | 3,433 |
| Average earning assets | $166,588,800 | 3,280 |
| Average equity | $17,094,800 | 3,614 |
| Average total loans | $93,488,400 | 3,662 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 6,298 |
| Cost of funding earning assets | 0.4108% | 6,058 |
| Net interest margin | 3.2500% | 5,544 |
| Noninterest income to average assets | 1.3881% | 778 |
| Noninterest expense to average assets | 3.1659% | 2,665 |
| Loan and lease loss provision to assets | 0.1107% | 4,184 |
| Net operating income to assets | 1.2482% | 1,581 |
| Return on assets (ROA) | 1.2482% | 1,746 |
| Pretax return on assets | 1.2695% | 2,711 |
| Return on Equity (ROE) | 12.3428% | 1,517 |
| Retained earnings to average equity (ytd only) | 8.4344% | 1,430 |
| Net charge-offs to loans | 0.0216% | 5,364 |
| Credit loss provision to net charge-offs | 933.3333% | 306 |
| Earnings coverage of net charge-offs (x) | 116.3970% | 368 |
| Efficiency ratio | 69.6401% | 3,761 |
| Assets per employee ($millions) | 3.1561% | 5,719 |
| Cash dividends to net income (ytd only)* | 31.6656% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 4,006 |
| Loan loss allowance to noncurrent loans | 546.7433% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 6,060 |
| Noncurrent loans to loans | 0.2722% | 5,941 |
| Net loans and leases to total assets | 54.4189% | 4,687 |
| Net loans and leases to deposits | 60.7054% | 5,123 |
| Net loans and leases to core deposits | 61.3563% | 5,420 |
| Total domestic deposits to total assets | 89.6443% | 1,049 |
| Equity capital to assets | 10.1051% | 4,349 |
| Core capital (leverage) ratio | 10.1452% | 3,351 |
| Tier 1 risk-based capital ratio | 16.5045% | 2,998 |
| Total risk-based capital ratio | 17.7556% | 2,962 |
| Memoranda: | ||
| Average total assets | $168,669,000 | 3,513 |
| Average earning assets | $163,895,750 | 3,352 |
| Average equity | $17,056,750 | 3,644 |
| Average total loans | $92,615,500 | 3,726 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6822% | 6,366 |
| Cost of funding earning assets | 0.4315% | 6,091 |
| Net interest margin | 3.2507% | 5,589 |
| Noninterest income to average assets | 1.2573% | 905 |
| Noninterest expense to average assets | 3.1755% | 2,667 |
| Loan and lease loss provision to assets | 0.1437% | 3,721 |
| Net operating income to assets | 1.0645% | 2,186 |
| Return on assets (ROA) | 1.0645% | 2,417 |
| Pretax return on assets | 1.0956% | 3,319 |
| Return on Equity (ROE) | 10.5236% | 2,159 |
| Retained earnings to average equity (ytd only) | 10.5236% | 844 |
| Net charge-offs to loans | 0.0262% | 5,019 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 86.2500% | 476 |
| Efficiency ratio | 71.9284% | 3,443 |
| Assets per employee ($millions) | 3.2212% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 3,907 |
| Loan loss allowance to noncurrent loans | 321.9178% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 6,132 |
| Noncurrent loans to loans | 0.4731% | 5,588 |
| Net loans and leases to total assets | 53.4078% | 4,894 |
| Net loans and leases to deposits | 59.5796% | 5,280 |
| Net loans and leases to core deposits | 60.2278% | 5,563 |
| Total domestic deposits to total assets | 89.6412% | 1,134 |
| Equity capital to assets | 10.1556% | 4,114 |
| Core capital (leverage) ratio | 10.0764% | 3,311 |
| Tier 1 risk-based capital ratio | 16.8274% | 2,748 |
| Total risk-based capital ratio | 18.0875% | 2,703 |
| Memoranda: | ||
| Average total assets | $167,030,330 | 3,549 |
| Average earning assets | $162,239,670 | 3,380 |
| Average equity | $16,895,330 | 3,655 |
| Average total loans | $91,524,000 | 3,768 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7172% | 6,411 |
| Cost of funding earning assets | 0.4516% | 6,134 |
| Net interest margin | 3.2657% | 5,593 |
| Noninterest income to average assets | 1.2277% | 949 |
| Noninterest expense to average assets | 3.1650% | 2,719 |
| Loan and lease loss provision to assets | 0.1453% | 3,545 |
| Net operating income to assets | 1.0219% | 2,394 |
| Return on assets (ROA) | 1.0219% | 2,584 |
| Pretax return on assets | 1.0873% | 3,378 |
| Return on Equity (ROE) | 10.1235% | 2,354 |
| Retained earnings to average equity (ytd only) | 10.1235% | 1,235 |
| Net charge-offs to loans | -0.0088% | 5,908 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9714% | 3,451 |
| Assets per employee ($millions) | 3.2316% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 4,174 |
| Loan loss allowance to noncurrent loans | 4,011.7647% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 6,858 |
| Noncurrent loans to loans | 0.0373% | 6,666 |
| Net loans and leases to total assets | 53.4321% | 4,814 |
| Net loans and leases to deposits | 59.4671% | 5,217 |
| Net loans and leases to core deposits | 60.1213% | 5,515 |
| Total domestic deposits to total assets | 89.8515% | 1,160 |
| Equity capital to assets | 10.0193% | 4,104 |
| Core capital (leverage) ratio | 10.0833% | 3,266 |
| Tier 1 risk-based capital ratio | 16.5554% | 2,884 |
| Total risk-based capital ratio | 17.8161% | 2,842 |
| Memoranda: | ||
| Average total assets | $165,183,500 | 3,598 |
| Average earning assets | $160,334,000 | 3,431 |
| Average equity | $16,674,000 | 3,697 |
| Average total loans | $90,991,000 | 3,800 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 5,708 |
| Cost of funding earning assets | 0.5886% | 6,145 |
| Net interest margin | 3.7295% | 4,158 |
| Noninterest income to average assets | 1.3217% | 740 |
| Noninterest expense to average assets | 3.2921% | 2,546 |
| Loan and lease loss provision to assets | 0.2254% | 3,951 |
| Net operating income to assets | 1.3744% | 1,074 |
| Return on assets (ROA) | 1.3744% | 1,162 |
| Pretax return on assets | 1.3883% | 1,815 |
| Return on Equity (ROE) | 13.1964% | 1,127 |
| Retained earnings to average equity (ytd only) | 5.8820% | 2,089 |
| Net charge-offs to loans | 0.1030% | 5,326 |
| Credit loss provision to net charge-offs | 390.1099% | 599 |
| Earnings coverage of net charge-offs (x) | 27.9341% | 887 |
| Efficiency ratio | 67.1066% | 4,553 |
| Assets per employee ($millions) | 3.1216% | 5,860 |
| Cash dividends to net income (ytd only)* | 55.4273% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 4,316 |
| Loan loss allowance to noncurrent loans | 529.2683% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 6,562 |
| Noncurrent loans to loans | 0.2708% | 6,182 |
| Net loans and leases to total assets | 55.1533% | 4,861 |
| Net loans and leases to deposits | 61.5045% | 5,310 |
| Net loans and leases to core deposits | 62.2050% | 5,633 |
| Total domestic deposits to total assets | 89.6736% | 1,170 |
| Equity capital to assets | 10.1718% | 3,942 |
| Core capital (leverage) ratio | 9.8213% | 3,560 |
| Tier 1 risk-based capital ratio | 16.1748% | 2,963 |
| Total risk-based capital ratio | 17.4346% | 2,928 |
| Memoranda: | ||
| Average total assets | $157,528,200 | 3,667 |
| Average earning assets | $151,386,800 | 3,565 |
| Average equity | $16,406,000 | 3,663 |
| Average total loans | $88,315,600 | 3,901 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 5,753 |
| Cost of funding earning assets | 0.6118% | 6,236 |
| Net interest margin | 3.7438% | 4,139 |
| Noninterest income to average assets | 1.2281% | 872 |
| Noninterest expense to average assets | 3.2631% | 2,625 |
| Loan and lease loss provision to assets | 0.1365% | 4,735 |
| Net operating income to assets | 1.4004% | 1,147 |
| Return on assets (ROA) | 1.4004% | 1,231 |
| Pretax return on assets | 1.4192% | 1,885 |
| Return on Equity (ROE) | 13.3658% | 1,192 |
| Retained earnings to average equity (ytd only) | 13.3658% | 345 |
| Net charge-offs to loans | 0.0487% | 5,502 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 56.9941% | 575 |
| Efficiency ratio | 67.7168% | 4,372 |
| Assets per employee ($millions) | 3.1530% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 5,052 |
| Loan loss allowance to noncurrent loans | 658.7571% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 6,787 |
| Noncurrent loans to loans | 0.1960% | 6,477 |
| Net loans and leases to total assets | 54.3731% | 5,118 |
| Net loans and leases to deposits | 61.1671% | 5,490 |
| Net loans and leases to core deposits | 61.8606% | 5,823 |
| Total domestic deposits to total assets | 88.8928% | 1,489 |
| Equity capital to assets | 10.5364% | 3,659 |
| Core capital (leverage) ratio | 10.5377% | 2,827 |
| Tier 1 risk-based capital ratio | 16.7574% | 2,735 |
| Total risk-based capital ratio | 17.9158% | 2,745 |
| Memoranda: | ||
| Average total assets | $156,329,750 | 3,722 |
| Average earning assets | $149,933,500 | 3,604 |
| Average equity | $16,379,750 | 3,680 |
| Average total loans | $87,687,500 | 3,954 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 5,707 |
| Cost of funding earning assets | 0.6378% | 6,285 |
| Net interest margin | 3.7589% | 3,992 |
| Noninterest income to average assets | 1.1119% | 1,051 |
| Noninterest expense to average assets | 3.3605% | 2,368 |
| Loan and lease loss provision to assets | 0.1561% | 4,359 |
| Net operating income to assets | 1.1691% | 1,664 |
| Return on assets (ROA) | 1.1691% | 1,744 |
| Pretax return on assets | 1.1978% | 2,492 |
| Return on Equity (ROE) | 11.1807% | 1,734 |
| Retained earnings to average equity (ytd only) | 11.1807% | 635 |
| Net charge-offs to loans | 0.0230% | 5,516 |
| Credit loss provision to net charge-offs | 1,200.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 104.1000% | 351 |
| Efficiency ratio | 71.2828% | 3,882 |
| Assets per employee ($millions) | 2.9634% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 5,065 |
| Loan loss allowance to noncurrent loans | 1,052.2936% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 6,924 |
| Noncurrent loans to loans | 0.1235% | 6,672 |
| Net loans and leases to total assets | 55.4750% | 5,071 |
| Net loans and leases to deposits | 62.3794% | 5,457 |
| Net loans and leases to core deposits | 63.0018% | 5,811 |
| Total domestic deposits to total assets | 88.9316% | 1,577 |
| Equity capital to assets | 10.5246% | 3,475 |
| Core capital (leverage) ratio | 10.1574% | 3,083 |
| Tier 1 risk-based capital ratio | 16.3450% | 2,812 |
| Total risk-based capital ratio | 17.5077% | 2,823 |
| Memoranda: | ||
| Average total assets | $153,787,670 | 3,783 |
| Average earning assets | $147,385,330 | 3,664 |
| Average equity | $16,081,330 | 3,717 |
| Average total loans | $86,812,000 | 4,025 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4033% | 5,686 |
| Cost of funding earning assets | 0.6561% | 6,360 |
| Net interest margin | 3.7472% | 3,855 |
| Noninterest income to average assets | 1.0936% | 1,097 |
| Noninterest expense to average assets | 3.3756% | 2,346 |
| Loan and lease loss provision to assets | 0.1577% | 4,050 |
| Net operating income to assets | 1.0910% | 1,868 |
| Return on assets (ROA) | 1.0910% | 1,912 |
| Pretax return on assets | 1.1489% | 2,571 |
| Return on Equity (ROE) | 10.4686% | 1,918 |
| Retained earnings to average equity (ytd only) | 10.4686% | 1,001 |
| Net charge-offs to loans | 0.0232% | 4,758 |
| Credit loss provision to net charge-offs | 1,200.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 99.4000% | 321 |
| Efficiency ratio | 72.0943% | 3,841 |
| Assets per employee ($millions) | 2.9803% | 6,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 5,216 |
| Loan loss allowance to noncurrent loans | 1,707.8125% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 7,059 |
| Noncurrent loans to loans | 0.0751% | 6,849 |
| Net loans and leases to total assets | 54.2656% | 5,266 |
| Net loans and leases to deposits | 60.7795% | 5,645 |
| Net loans and leases to core deposits | 61.3905% | 5,980 |
| Total domestic deposits to total assets | 89.2826% | 1,594 |
| Equity capital to assets | 10.3257% | 3,381 |
| Core capital (leverage) ratio | 10.2280% | 2,901 |
| Tier 1 risk-based capital ratio | 16.1998% | 2,810 |
| Total risk-based capital ratio | 17.3317% | 2,841 |
| Memoranda: | ||
| Average total assets | $152,151,500 | 3,844 |
| Average earning assets | $145,710,000 | 3,717 |
| Average equity | $15,857,000 | 3,746 |
| Average total loans | $86,080,000 | 4,077 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 5,002 |
| Cost of funding earning assets | 0.8869% | 6,216 |
| Net interest margin | 4.0197% | 2,925 |
| Noninterest income to average assets | 1.3686% | 779 |
| Noninterest expense to average assets | 3.5965% | 1,937 |
| Loan and lease loss provision to assets | 0.2456% | 4,833 |
| Net operating income to assets | 1.3450% | 1,067 |
| Return on assets (ROA) | 1.3450% | 1,140 |
| Pretax return on assets | 1.3554% | 1,780 |
| Return on Equity (ROE) | 12.4660% | 1,230 |
| Retained earnings to average equity (ytd only) | 6.6947% | 1,454 |
| Net charge-offs to loans | 0.1638% | 5,352 |
| Credit loss provision to net charge-offs | 257.2464% | 1,098 |
| Earnings coverage of net charge-offs (x) | 16.7681% | 1,189 |
| Efficiency ratio | 69.1960% | 4,342 |
| Assets per employee ($millions) | 2.8717% | 6,397 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 5,552 |
| Loan loss allowance to noncurrent loans | 961.1111% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 7,051 |
| Noncurrent loans to loans | 0.1242% | 6,825 |
| Net loans and leases to total assets | 57.5450% | 5,105 |
| Net loans and leases to deposits | 64.6825% | 5,547 |
| Net loans and leases to core deposits | 65.3580% | 5,940 |
| Total domestic deposits to total assets | 88.9654% | 1,683 |
| Equity capital to assets | 10.5217% | 3,138 |
| Core capital (leverage) ratio | 10.1295% | 2,949 |
| Tier 1 risk-based capital ratio | 15.4847% | 3,003 |
| Total risk-based capital ratio | 16.5404% | 3,064 |
| Memoranda: | ||
| Average total assets | $144,530,600 | 3,977 |
| Average earning assets | $137,671,400 | 3,861 |
| Average equity | $15,594,400 | 3,843 |
| Average total loans | $84,273,400 | 4,205 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 5,264 |
| Cost of funding earning assets | 0.9215% | 6,304 |
| Net interest margin | 3.9794% | 3,190 |
| Noninterest income to average assets | 1.2679% | 856 |
| Noninterest expense to average assets | 3.5246% | 1,978 |
| Loan and lease loss provision to assets | 0.1674% | 5,370 |
| Net operating income to assets | 1.3498% | 1,222 |
| Return on assets (ROA) | 1.3498% | 1,300 |
| Pretax return on assets | 1.3637% | 1,996 |
| Return on Equity (ROE) | 12.4293% | 1,400 |
| Retained earnings to average equity (ytd only) | 12.4293% | 410 |
| Net charge-offs to loans | 0.0909% | 5,613 |
| Credit loss provision to net charge-offs | 315.7895% | 995 |
| Earnings coverage of net charge-offs (x) | 28.8764% | 904 |
| Efficiency ratio | 69.7148% | 4,132 |
| Assets per employee ($millions) | 2.7957% | 6,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 5,946 |
| Loan loss allowance to noncurrent loans | 806.8376% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 7,143 |
| Noncurrent loans to loans | 0.1363% | 6,906 |
| Net loans and leases to total assets | 58.4190% | 5,197 |
| Net loans and leases to deposits | 66.2842% | 5,636 |
| Net loans and leases to core deposits | 67.1421% | 6,028 |
| Total domestic deposits to total assets | 88.1341% | 1,877 |
| Equity capital to assets | 11.2186% | 2,760 |
| Core capital (leverage) ratio | 10.7810% | 2,432 |
| Tier 1 risk-based capital ratio | 16.0117% | 2,756 |
| Total risk-based capital ratio | 16.9785% | 2,852 |
| Memoranda: | ||
| Average total assets | $143,330,750 | 4,049 |
| Average earning assets | $136,434,000 | 3,934 |
| Average equity | $15,565,000 | 3,887 |
| Average total loans | $83,599,250 | 4,301 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8396% | 5,644 |
| Cost of funding earning assets | 0.9582% | 6,344 |
| Net interest margin | 3.8814% | 3,527 |
| Noninterest income to average assets | 1.0908% | 1,122 |
| Noninterest expense to average assets | 3.5317% | 1,954 |
| Loan and lease loss provision to assets | 0.1682% | 5,197 |
| Net operating income to assets | 1.0613% | 1,976 |
| Return on assets (ROA) | 1.0613% | 2,050 |
| Pretax return on assets | 1.0824% | 2,836 |
| Return on Equity (ROE) | 9.8844% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.8844% | 870 |
| Net charge-offs to loans | 0.0966% | 5,182 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 22.3000% | 1,137 |
| Efficiency ratio | 73.8493% | 3,500 |
| Assets per employee ($millions) | 2.7520% | 6,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 6,117 |
| Loan loss allowance to noncurrent loans | 1,140.5063% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 7,252 |
| Noncurrent loans to loans | 0.0932% | 7,080 |
| Net loans and leases to total assets | 58.5985% | 5,315 |
| Net loans and leases to deposits | 66.2004% | 5,781 |
| Net loans and leases to core deposits | 67.0633% | 6,146 |
| Total domestic deposits to total assets | 88.5169% | 1,717 |
| Equity capital to assets | 10.9646% | 2,898 |
| Core capital (leverage) ratio | 10.3670% | 2,751 |
| Tier 1 risk-based capital ratio | 15.4482% | 2,924 |
| Total risk-based capital ratio | 16.3799% | 3,047 |
| Memoranda: | ||
| Average total assets | $142,649,670 | 4,081 |
| Average earning assets | $135,671,670 | 3,985 |
| Average equity | $15,317,000 | 3,935 |
| Average total loans | $82,842,330 | 4,358 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8061% | 5,874 |
| Cost of funding earning assets | 1.0056% | 6,345 |
| Net interest margin | 3.8006% | 3,797 |
| Noninterest income to average assets | 0.9465% | 1,463 |
| Noninterest expense to average assets | 3.5444% | 1,865 |
| Loan and lease loss provision to assets | 0.1685% | 4,843 |
| Net operating income to assets | 0.8004% | 2,958 |
| Return on assets (ROA) | 0.8004% | 3,063 |
| Pretax return on assets | 0.8426% | 3,695 |
| Return on Equity (ROE) | 7.5347% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.5347% | 1,908 |
| Net charge-offs to loans | 0.1319% | 4,166 |
| Credit loss provision to net charge-offs | 222.2222% | 1,696 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,506 |
| Efficiency ratio | 77.8052% | 2,928 |
| Assets per employee ($millions) | 2.7485% | 6,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 6,214 |
| Loan loss allowance to noncurrent loans | 918.2796% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 7,081 |
| Noncurrent loans to loans | 0.1147% | 7,120 |
| Net loans and leases to total assets | 56.1338% | 5,723 |
| Net loans and leases to deposits | 63.0596% | 6,163 |
| Net loans and leases to core deposits | 63.6162% | 6,480 |
| Total domestic deposits to total assets | 89.0170% | 1,506 |
| Equity capital to assets | 10.6234% | 3,124 |
| Core capital (leverage) ratio | 10.1531% | 2,979 |
| Tier 1 risk-based capital ratio | 15.1469% | 3,046 |
| Total risk-based capital ratio | 16.0411% | 3,172 |
| Memoranda: | ||
| Average total assets | $142,421,500 | 4,149 |
| Average earning assets | $135,243,500 | 4,052 |
| Average equity | $15,130,000 | 3,991 |
| Average total loans | $81,884,000 | 4,446 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4316% | 4,526 |
| Cost of funding earning assets | 1.3081% | 6,279 |
| Net interest margin | 4.1235% | 2,351 |
| Noninterest income to average assets | 1.3096% | 876 |
| Noninterest expense to average assets | 3.6249% | 2,093 |
| Loan and lease loss provision to assets | 0.4789% | 3,964 |
| Net operating income to assets | 1.0843% | 1,554 |
| Return on assets (ROA) | 1.0843% | 1,605 |
| Pretax return on assets | 1.0956% | 2,269 |
| Return on Equity (ROE) | 9.2277% | 1,951 |
| Retained earnings to average equity (ytd only) | 1.2673% | 4,155 |
| Net charge-offs to loans | 0.3242% | 4,615 |
| Credit loss provision to net charge-offs | 237.9182% | 1,513 |
| Earnings coverage of net charge-offs (x) | 7.8216% | 2,057 |
| Efficiency ratio | 69.7179% | 4,690 |
| Assets per employee ($millions) | 2.6282% | 6,986 |
| Cash dividends to net income (ytd only)* | 86.2664% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 6,431 |
| Loan loss allowance to noncurrent loans | 720.1754% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 6,942 |
| Noncurrent loans to loans | 0.1379% | 7,084 |
| Net loans and leases to total assets | 57.6838% | 5,707 |
| Net loans and leases to deposits | 64.9287% | 6,166 |
| Net loans and leases to core deposits | 71.9688% | 6,660 |
| Total domestic deposits to total assets | 88.8418% | 1,546 |
| Equity capital to assets | 10.6234% | 3,046 |
| Core capital (leverage) ratio | 10.0534% | 3,034 |
| Tier 1 risk-based capital ratio | 13.1213% | 4,066 |
| Total risk-based capital ratio | 13.8809% | 4,358 |
| Memoranda: | ||
| Average total assets | $133,630,600 | 4,267 |
| Average earning assets | $126,058,800 | 4,170 |
| Average equity | $15,702,800 | 3,920 |
| Average total loans | $82,971,200 | 4,417 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4911% | 4,459 |
| Cost of funding earning assets | 1.3575% | 6,376 |
| Net interest margin | 4.1336% | 2,272 |
| Noninterest income to average assets | 1.4756% | 682 |
| Noninterest expense to average assets | 3.5705% | 2,094 |
| Loan and lease loss provision to assets | 0.1824% | 5,539 |
| Net operating income to assets | 1.6053% | 659 |
| Return on assets (ROA) | 1.6053% | 709 |
| Pretax return on assets | 1.6205% | 1,136 |
| Return on Equity (ROE) | 13.3168% | 1,042 |
| Retained earnings to average equity (ytd only) | 11.2150% | 448 |
| Net charge-offs to loans | 0.2360% | 4,577 |
| Credit loss provision to net charge-offs | 122.4490% | 4,138 |
| Earnings coverage of net charge-offs (x) | 12.1017% | 1,794 |
| Efficiency ratio | 66.4466% | 5,298 |
| Assets per employee ($millions) | 2.6182% | 7,017 |
| Cash dividends to net income (ytd only)* | 15.7830% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5841% | 7,607 |
| Loan loss allowance to noncurrent loans | 165.9794% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 6,680 |
| Noncurrent loans to loans | 0.3519% | 6,649 |
| Net loans and leases to total assets | 59.2403% | 5,705 |
| Net loans and leases to deposits | 67.6325% | 6,161 |
| Net loans and leases to core deposits | 75.2203% | 6,653 |
| Total domestic deposits to total assets | 87.5914% | 1,848 |
| Equity capital to assets | 11.7261% | 2,410 |
| Core capital (leverage) ratio | 11.1730% | 2,284 |
| Tier 1 risk-based capital ratio | 14.0114% | 3,542 |
| Total risk-based capital ratio | 14.4533% | 3,993 |
| Memoranda: | ||
| Average total assets | $131,557,750 | 4,338 |
| Average earning assets | $124,053,000 | 4,243 |
| Average equity | $15,859,250 | 3,942 |
| Average total loans | $83,042,250 | 4,448 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5852% | 4,144 |
| Cost of funding earning assets | 1.4062% | 6,456 |
| Net interest margin | 4.1790% | 2,065 |
| Noninterest income to average assets | 1.6523% | 541 |
| Noninterest expense to average assets | 3.6313% | 1,999 |
| Loan and lease loss provision to assets | 0.1858% | 5,169 |
| Net operating income to assets | 1.7297% | 534 |
| Return on assets (ROA) | 1.7297% | 581 |
| Pretax return on assets | 1.7514% | 927 |
| Return on Equity (ROE) | 14.2097% | 957 |
| Retained earnings to average equity (ytd only) | 14.2097% | 248 |
| Net charge-offs to loans | 0.2934% | 3,721 |
| Credit loss provision to net charge-offs | 98.3607% | 4,665 |
| Earnings coverage of net charge-offs (x) | 10.2541% | 2,014 |
| Efficiency ratio | 65.2113% | 5,672 |
| Assets per employee ($millions) | 2.5473% | 7,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5449% | 7,732 |
| Loan loss allowance to noncurrent loans | 237.0370% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 6,837 |
| Noncurrent loans to loans | 0.2299% | 6,931 |
| Net loans and leases to total assets | 60.5625% | 5,597 |
| Net loans and leases to deposits | 69.2966% | 6,065 |
| Net loans and leases to core deposits | 77.0179% | 6,613 |
| Total domestic deposits to total assets | 87.3961% | 2,053 |
| Equity capital to assets | 11.9106% | 2,252 |
| Core capital (leverage) ratio | 11.1596% | 2,281 |
| Tier 1 risk-based capital ratio | 13.6130% | 3,749 |
| Total risk-based capital ratio | 14.0169% | 4,223 |
| Memoranda: | ||
| Average total assets | $129,154,670 | 4,411 |
| Average earning assets | $121,034,000 | 4,345 |
| Average equity | $15,721,670 | 3,973 |
| Average total loans | $83,160,000 | 4,493 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6698% | 3,943 |
| Cost of funding earning assets | 1.4464% | 6,588 |
| Net interest margin | 4.2235% | 1,827 |
| Noninterest income to average assets | 1.7048% | 468 |
| Noninterest expense to average assets | 3.8850% | 1,326 |
| Loan and lease loss provision to assets | 0.1901% | 4,536 |
| Net operating income to assets | 1.5147% | 913 |
| Return on assets (ROA) | 1.5147% | 983 |
| Pretax return on assets | 1.5622% | 1,505 |
| Return on Equity (ROE) | 12.3018% | 1,570 |
| Retained earnings to average equity (ytd only) | 12.3018% | 740 |
| Net charge-offs to loans | 0.1483% | 3,776 |
| Credit loss provision to net charge-offs | 193.5484% | 2,283 |
| Earnings coverage of net charge-offs (x) | 17.8387% | 1,489 |
| Efficiency ratio | 68.9151% | 4,789 |
| Assets per employee ($millions) | 2.6255% | 7,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5728% | 7,715 |
| Loan loss allowance to noncurrent loans | 128.0749% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 6,658 |
| Noncurrent loans to loans | 0.4473% | 6,303 |
| Net loans and leases to total assets | 63.3332% | 5,099 |
| Net loans and leases to deposits | 73.2395% | 5,582 |
| Net loans and leases to core deposits | 80.7341% | 6,331 |
| Total domestic deposits to total assets | 86.4741% | 2,460 |
| Equity capital to assets | 11.9056% | 2,319 |
| Core capital (leverage) ratio | 11.5512% | 2,118 |
| Tier 1 risk-based capital ratio | 12.8677% | 4,276 |
| Total risk-based capital ratio | 13.2940% | 4,816 |
| Memoranda: | ||
| Average total assets | $126,229,000 | 4,489 |
| Average earning assets | $117,534,000 | 4,442 |
| Average equity | $15,542,500 | 4,034 |
| Average total loans | $83,634,500 | 4,509 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3755% | 3,545 |
| Cost of funding earning assets | 1.7430% | 7,152 |
| Net interest margin | 4.6325% | 1,089 |
| Noninterest income to average assets | 1.4404% | 689 |
| Noninterest expense to average assets | 3.9033% | 1,555 |
| Loan and lease loss provision to assets | 0.1690% | 5,214 |
| Net operating income to assets | 1.6471% | 754 |
| Return on assets (ROA) | 1.6471% | 724 |
| Pretax return on assets | 1.6591% | 1,243 |
| Return on Equity (ROE) | 12.8956% | 1,357 |
| Retained earnings to average equity (ytd only) | 6.1791% | 1,452 |
| Net charge-offs to loans | 0.2521% | 3,758 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 10.8173% | 2,458 |
| Efficiency ratio | 68.1036% | 4,707 |
| Assets per employee ($millions) | 2.3762% | 7,441 |
| Cash dividends to net income (ytd only)* | 52.0833% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5380% | 7,783 |
| Loan loss allowance to noncurrent loans | 106.6351% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 6,201 |
| Noncurrent loans to loans | 0.5045% | 5,835 |
| Net loans and leases to total assets | 68.6559% | 4,331 |
| Net loans and leases to deposits | 80.2934% | 4,996 |
| Net loans and leases to core deposits | 87.5679% | 6,012 |
| Total domestic deposits to total assets | 85.5063% | 2,627 |
| Equity capital to assets | 12.7542% | 1,892 |
| Core capital (leverage) ratio | 11.6549% | 2,151 |
| Tier 1 risk-based capital ratio | 12.7561% | 4,254 |
| Total risk-based capital ratio | 13.1666% | 4,786 |
| Memoranda: | ||
| Average total assets | $116,567,200 | 4,598 |
| Average earning assets | $107,975,800 | 4,564 |
| Average equity | $14,888,800 | 4,161 |
| Average total loans | $78,150,000 | 4,584 |