Home > Sundance State Bank > Performance and Condition Ratios
Sundance State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8966% | 2,283 |
| Cost of funding earning assets | 1.4823% | 1,983 |
| Net interest margin | 3.4142% | 2,375 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.9250% | 3,784 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1725% | 1,716 |
| Return on assets (ROA) | 1.1444% | 1,769 |
| Pretax return on assets | 1.3907% | 1,660 |
| Return on Equity (ROE) | 13.4400% | 1,620 |
| Retained earnings to average equity (ytd only) | 7.6528% | 1,656 |
| Net charge-offs to loans | -0.0552% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.8861% | 3,508 |
| Assets per employee ($millions) | 8.3333% | 1,259 |
| Cash dividends to net income (ytd only)* | 43.0441% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0302% | 356 |
| Loan loss allowance to noncurrent loans | 330.1676% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 1,610 |
| Noncurrent loans to loans | 0.6149% | 1,283 |
| Net loans and leases to total assets | 53.4700% | 3,388 |
| Net loans and leases to deposits | 61.6716% | 3,426 |
| Net loans and leases to core deposits | 68.1414% | 3,399 |
| Total domestic deposits to total assets | 86.7100% | 1,785 |
| Equity capital to assets | 8.5553% | 3,009 |
| Core capital (leverage) ratio | 11.1466% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8294% | 1,108 |
| Memoranda: | ||
| Average total assets | $253,763,800 | 2,662 |
| Average earning assets | $237,799,800 | 2,641 |
| Average equity | $21,613,000 | 2,723 |
| Average total loans | $155,721,800 | 2,626 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 2,155 |
| Cost of funding earning assets | 1.4061% | 1,851 |
| Net interest margin | 3.4483% | 2,342 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.8541% | 3,876 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.2184% | 1,740 |
| Return on assets (ROA) | 1.1809% | 1,828 |
| Pretax return on assets | 1.4496% | 1,677 |
| Return on Equity (ROE) | 13.8800% | 1,684 |
| Retained earnings to average equity (ytd only) | 13.8818% | 686 |
| Net charge-offs to loans | -0.0952% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.3129% | 3,649 |
| Assets per employee ($millions) | 8.2586% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9538% | 426 |
| Loan loss allowance to noncurrent loans | 337.8771% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 1,541 |
| Noncurrent loans to loans | 0.5783% | 1,387 |
| Net loans and leases to total assets | 63.3600% | 2,522 |
| Net loans and leases to deposits | 73.8814% | 2,575 |
| Net loans and leases to core deposits | 80.5093% | 2,562 |
| Total domestic deposits to total assets | 85.7600% | 2,266 |
| Equity capital to assets | 8.9178% | 2,470 |
| Core capital (leverage) ratio | 11.9055% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9135% | 1,118 |
| Memoranda: | ||
| Average total assets | $250,538,500 | 2,680 |
| Average earning assets | $234,585,000 | 2,670 |
| Average equity | $21,312,750 | 2,732 |
| Average total loans | $158,265,000 | 2,620 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 2,172 |
| Cost of funding earning assets | 1.2747% | 1,779 |
| Net interest margin | 3.4430% | 2,411 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.7316% | 4,106 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.3094% | 1,544 |
| Return on assets (ROA) | 1.2533% | 1,678 |
| Pretax return on assets | 1.5325% | 1,534 |
| Return on Equity (ROE) | 14.9600% | 1,483 |
| Retained earnings to average equity (ytd only) | 14.9594% | 566 |
| Net charge-offs to loans | 0.0414% | 1,099 |
| Credit loss provision to net charge-offs | 696.9697% | 524 |
| Earnings coverage of net charge-offs (x) | 67.1212% | 1,128 |
| Efficiency ratio | 49.8415% | 3,941 |
| Assets per employee ($millions) | 8.3071% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 656 |
| Loan loss allowance to noncurrent loans | 237.4468% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 1,115 |
| Noncurrent loans to loans | 0.7456% | 1,014 |
| Net loans and leases to total assets | 64.2600% | 2,356 |
| Net loans and leases to deposits | 75.5749% | 2,355 |
| Net loans and leases to core deposits | 83.0189% | 2,270 |
| Total domestic deposits to total assets | 85.0200% | 2,541 |
| Equity capital to assets | 9.1226% | 2,429 |
| Core capital (leverage) ratio | 11.4312% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4178% | 1,236 |
| Memoranda: | ||
| Average total assets | $254,218,333 | 2,669 |
| Average earning assets | $238,804,000 | 2,642 |
| Average equity | $21,297,667 | 2,750 |
| Average total loans | $159,429,333 | 2,606 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 2,257 |
| Cost of funding earning assets | 1.0747% | 1,823 |
| Net interest margin | 3.4524% | 2,490 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.6766% | 4,219 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.3749% | 1,473 |
| Return on assets (ROA) | 1.2655% | 1,731 |
| Pretax return on assets | 1.5340% | 1,596 |
| Return on Equity (ROE) | 15.7500% | 1,410 |
| Retained earnings to average equity (ytd only) | 15.7458% | 714 |
| Net charge-offs to loans | 0.0349% | 1,029 |
| Credit loss provision to net charge-offs | 642.8571% | 481 |
| Earnings coverage of net charge-offs (x) | 84.0714% | 876 |
| Efficiency ratio | 48.1498% | 4,073 |
| Assets per employee ($millions) | 8.6119% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7776% | 691 |
| Loan loss allowance to noncurrent loans | 240.3159% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 1,070 |
| Noncurrent loans to loans | 0.7397% | 1,034 |
| Net loans and leases to total assets | 63.9600% | 2,253 |
| Net loans and leases to deposits | 75.9069% | 2,128 |
| Net loans and leases to core deposits | 83.3978% | 2,032 |
| Total domestic deposits to total assets | 84.2700% | 3,037 |
| Equity capital to assets | 8.7502% | 2,697 |
| Core capital (leverage) ratio | 10.9674% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4964% | 2,178 |
| Memoranda: | ||
| Average total assets | $260,764,500 | 2,665 |
| Average earning assets | $245,281,500 | 2,638 |
| Average equity | $20,958,000 | 2,801 |
| Average total loans | $160,350,500 | 2,616 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 1,485 |
| Cost of funding earning assets | 0.5431% | 1,145 |
| Net interest margin | 3.5523% | 1,777 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.8133% | 4,010 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.3373% | 1,320 |
| Return on assets (ROA) | 1.3340% | 1,290 |
| Pretax return on assets | 1.6160% | 1,129 |
| Return on Equity (ROE) | 15.4700% | 1,148 |
| Retained earnings to average equity (ytd only) | 9.6825% | 1,245 |
| Net charge-offs to loans | 0.0156% | 1,807 |
| Credit loss provision to net charge-offs | 1,565.2174% | 311 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 663 |
| Efficiency ratio | 50.6923% | 4,088 |
| Assets per employee ($millions) | 9.3719% | 817 |
| Cash dividends to net income (ytd only)* | 37.4251% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 680 |
| Loan loss allowance to noncurrent loans | 241.3025% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 1,195 |
| Noncurrent loans to loans | 0.7383% | 1,015 |
| Net loans and leases to total assets | 57.1200% | 2,905 |
| Net loans and leases to deposits | 61.7217% | 3,221 |
| Net loans and leases to core deposits | 65.0101% | 3,198 |
| Total domestic deposits to total assets | 92.5500% | 507 |
| Equity capital to assets | 7.3819% | 3,454 |
| Core capital (leverage) ratio | 10.4704% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9659% | 2,390 |
| Memoranda: | ||
| Average total assets | $250,370,800 | 2,731 |
| Average earning assets | $236,242,800 | 2,700 |
| Average equity | $21,585,400 | 2,806 |
| Average total loans | $147,411,600 | 2,653 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 1,176 |
| Cost of funding earning assets | 0.4613% | 927 |
| Net interest margin | 3.5807% | 1,437 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.7092% | 4,138 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.4390% | 982 |
| Return on assets (ROA) | 1.4377% | 963 |
| Pretax return on assets | 1.7587% | 802 |
| Return on Equity (ROE) | 16.0400% | 966 |
| Retained earnings to average equity (ytd only) | 16.0365% | 274 |
| Net charge-offs to loans | -0.0276% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.2615% | 4,317 |
| Assets per employee ($millions) | 8.9257% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 791 |
| Loan loss allowance to noncurrent loans | 231.0058% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 1,127 |
| Noncurrent loans to loans | 0.7608% | 1,065 |
| Net loans and leases to total assets | 62.1600% | 2,266 |
| Net loans and leases to deposits | 69.5856% | 2,400 |
| Net loans and leases to core deposits | 74.8861% | 2,284 |
| Total domestic deposits to total assets | 89.3200% | 1,951 |
| Equity capital to assets | 7.8837% | 2,970 |
| Core capital (leverage) ratio | 10.7679% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1272% | 2,415 |
| Memoranda: | ||
| Average total assets | $245,017,250 | 2,778 |
| Average earning assets | $231,532,500 | 2,746 |
| Average equity | $21,966,000 | 2,825 |
| Average total loans | $144,748,500 | 2,688 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9164% | 1,084 |
| Cost of funding earning assets | 0.3883% | 999 |
| Net interest margin | 3.5281% | 1,239 |
| Noninterest income to average assets | 0.2178% | 3,894 |
| Noninterest expense to average assets | 1.6649% | 4,190 |
| Loan and lease loss provision to assets | 0.1479% | 644 |
| Net operating income to assets | 1.4313% | 835 |
| Return on assets (ROA) | 1.4381% | 801 |
| Pretax return on assets | 1.7585% | 661 |
| Return on Equity (ROE) | 15.4047% | 816 |
| Retained earnings to average equity (ytd only) | 15.4047% | 233 |
| Net charge-offs to loans | 0.0328% | 1,076 |
| Credit loss provision to net charge-offs | 782.6087% | 479 |
| Earnings coverage of net charge-offs (x) | 100.4348% | 810 |
| Efficiency ratio | 46.7251% | 4,413 |
| Assets per employee ($millions) | 9.4413% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 847 |
| Loan loss allowance to noncurrent loans | 177.8677% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 925 |
| Noncurrent loans to loans | 0.9964% | 838 |
| Net loans and leases to total assets | 59.5169% | 2,378 |
| Net loans and leases to deposits | 65.0879% | 2,630 |
| Net loans and leases to core deposits | 71.8489% | 2,355 |
| Total domestic deposits to total assets | 91.4407% | 1,046 |
| Equity capital to assets | 8.4224% | 2,819 |
| Core capital (leverage) ratio | 10.6350% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1306% | 2,441 |
| Memoranda: | ||
| Average total assets | $243,383,000 | 2,807 |
| Average earning assets | $230,776,000 | 2,791 |
| Average equity | $22,720,333 | 2,840 |
| Average total loans | $140,290,667 | 2,749 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 1,021 |
| Cost of funding earning assets | 0.3836% | 963 |
| Net interest margin | 3.4557% | 1,172 |
| Noninterest income to average assets | 0.2162% | 3,862 |
| Noninterest expense to average assets | 1.6225% | 4,263 |
| Loan and lease loss provision to assets | 0.1486% | 534 |
| Net operating income to assets | 1.4205% | 757 |
| Return on assets (ROA) | 1.4327% | 737 |
| Pretax return on assets | 1.7463% | 623 |
| Return on Equity (ROE) | 14.6233% | 716 |
| Retained earnings to average equity (ytd only) | 14.6233% | 321 |
| Net charge-offs to loans | -0.0294% | 4,079 |
| Credit loss provision to net charge-offs | -900.0000% | 3,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3242% | 4,481 |
| Assets per employee ($millions) | 9.4621% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 855 |
| Loan loss allowance to noncurrent loans | 177.6171% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 972 |
| Noncurrent loans to loans | 1.0241% | 882 |
| Net loans and leases to total assets | 58.8479% | 2,202 |
| Net loans and leases to deposits | 66.1437% | 2,329 |
| Net loans and leases to core deposits | 72.5009% | 2,066 |
| Total domestic deposits to total assets | 88.9699% | 2,098 |
| Equity capital to assets | 9.4842% | 2,296 |
| Core capital (leverage) ratio | 10.3701% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3147% | 2,476 |
| Memoranda: | ||
| Average total assets | $242,337,000 | 2,828 |
| Average earning assets | $230,462,500 | 2,798 |
| Average equity | $23,743,000 | 2,851 |
| Average total loans | $136,068,500 | 2,783 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9215% | 1,556 |
| Cost of funding earning assets | 0.4247% | 1,362 |
| Net interest margin | 3.4967% | 1,744 |
| Noninterest income to average assets | 0.2016% | 4,159 |
| Noninterest expense to average assets | 1.7876% | 4,168 |
| Loan and lease loss provision to assets | 0.1412% | 853 |
| Net operating income to assets | 1.3102% | 1,574 |
| Return on assets (ROA) | 1.3404% | 1,509 |
| Pretax return on assets | 1.6246% | 1,355 |
| Return on Equity (ROE) | 12.5087% | 1,643 |
| Retained earnings to average equity (ytd only) | 7.5164% | 1,716 |
| Net charge-offs to loans | 0.1232% | 734 |
| Credit loss provision to net charge-offs | 210.1911% | 1,282 |
| Earnings coverage of net charge-offs (x) | 25.7389% | 1,716 |
| Efficiency ratio | 50.8275% | 4,219 |
| Assets per employee ($millions) | 9.9249% | 679 |
| Cash dividends to net income (ytd only)* | 39.9106% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9018% | 728 |
| Loan loss allowance to noncurrent loans | 145.3959% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 929 |
| Noncurrent loans to loans | 1.3080% | 724 |
| Net loans and leases to total assets | 51.5363% | 3,116 |
| Net loans and leases to deposits | 57.3625% | 3,307 |
| Net loans and leases to core deposits | 62.5712% | 3,110 |
| Total domestic deposits to total assets | 89.8433% | 1,035 |
| Equity capital to assets | 10.0962% | 2,559 |
| Core capital (leverage) ratio | 9.0625% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5785% | 2,423 |
| Memoranda: | ||
| Average total assets | $233,660,800 | 2,828 |
| Average earning assets | $221,549,200 | 2,802 |
| Average equity | $25,038,600 | 2,846 |
| Average total loans | $127,416,200 | 2,887 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 1,583 |
| Cost of funding earning assets | 0.4303% | 1,485 |
| Net interest margin | 3.5516% | 1,727 |
| Noninterest income to average assets | 0.2237% | 4,065 |
| Noninterest expense to average assets | 1.7011% | 4,326 |
| Loan and lease loss provision to assets | 0.1565% | 707 |
| Net operating income to assets | 1.4248% | 1,459 |
| Return on assets (ROA) | 1.4652% | 1,402 |
| Pretax return on assets | 1.7782% | 1,212 |
| Return on Equity (ROE) | 13.4632% | 1,552 |
| Retained earnings to average equity (ytd only) | 13.4632% | 572 |
| Net charge-offs to loans | 0.0874% | 819 |
| Credit loss provision to net charge-offs | 325.3012% | 960 |
| Earnings coverage of net charge-offs (x) | 39.1928% | 1,381 |
| Efficiency ratio | 47.4305% | 4,413 |
| Assets per employee ($millions) | 10.0650% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8337% | 867 |
| Loan loss allowance to noncurrent loans | 87.9986% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.3469% | 409 |
| Noncurrent loans to loans | 2.0838% | 412 |
| Net loans and leases to total assets | 57.6509% | 2,541 |
| Net loans and leases to deposits | 65.1716% | 2,717 |
| Net loans and leases to core deposits | 71.5563% | 2,463 |
| Total domestic deposits to total assets | 88.4602% | 1,592 |
| Equity capital to assets | 11.3104% | 1,803 |
| Core capital (leverage) ratio | 10.2679% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8157% | 1,682 |
| Memoranda: | ||
| Average total assets | $230,045,500 | 2,876 |
| Average earning assets | $217,812,500 | 2,852 |
| Average equity | $25,035,500 | 2,882 |
| Average total loans | $126,682,250 | 2,928 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7344% | 2,244 |
| Cost of funding earning assets | 0.4322% | 1,647 |
| Net interest margin | 3.3022% | 2,427 |
| Noninterest income to average assets | 0.2213% | 4,083 |
| Noninterest expense to average assets | 1.6597% | 4,431 |
| Loan and lease loss provision to assets | 0.1568% | 748 |
| Net operating income to assets | 1.2635% | 1,982 |
| Return on assets (ROA) | 1.3243% | 1,855 |
| Pretax return on assets | 1.6074% | 1,715 |
| Return on Equity (ROE) | 12.3312% | 1,937 |
| Retained earnings to average equity (ytd only) | 12.3312% | 846 |
| Net charge-offs to loans | 0.0388% | 1,244 |
| Credit loss provision to net charge-offs | 750.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 80.8333% | 835 |
| Efficiency ratio | 49.5449% | 4,269 |
| Assets per employee ($millions) | 9.4780% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 846 |
| Loan loss allowance to noncurrent loans | 82.6174% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.3847% | 443 |
| Noncurrent loans to loans | 2.2123% | 403 |
| Net loans and leases to total assets | 55.8090% | 2,922 |
| Net loans and leases to deposits | 62.5793% | 3,142 |
| Net loans and leases to core deposits | 69.2269% | 2,846 |
| Total domestic deposits to total assets | 89.1813% | 1,190 |
| Equity capital to assets | 10.6579% | 2,262 |
| Core capital (leverage) ratio | 10.0773% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1661% | 2,301 |
| Memoranda: | ||
| Average total assets | $229,562,333 | 2,881 |
| Average earning assets | $217,490,667 | 2,853 |
| Average equity | $24,653,000 | 2,898 |
| Average total loans | $123,592,333 | 2,977 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 1,936 |
| Cost of funding earning assets | 0.4415% | 1,790 |
| Net interest margin | 3.4177% | 2,067 |
| Noninterest income to average assets | 0.2267% | 4,024 |
| Noninterest expense to average assets | 1.7001% | 4,379 |
| Loan and lease loss provision to assets | 0.1594% | 796 |
| Net operating income to assets | 1.3199% | 1,760 |
| Return on assets (ROA) | 1.4433% | 1,525 |
| Pretax return on assets | 1.7532% | 1,388 |
| Return on Equity (ROE) | 13.3867% | 1,571 |
| Retained earnings to average equity (ytd only) | 13.3867% | 838 |
| Net charge-offs to loans | 0.0102% | 1,560 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 331.6667% | 274 |
| Efficiency ratio | 49.1049% | 4,257 |
| Assets per employee ($millions) | 8.9788% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9706% | 634 |
| Loan loss allowance to noncurrent loans | 173.9636% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7466% | 1,231 |
| Noncurrent loans to loans | 1.1328% | 1,184 |
| Net loans and leases to total assets | 53.0102% | 3,350 |
| Net loans and leases to deposits | 59.5517% | 3,517 |
| Net loans and leases to core deposits | 65.4234% | 3,287 |
| Total domestic deposits to total assets | 89.0155% | 1,336 |
| Equity capital to assets | 10.8197% | 1,992 |
| Core capital (leverage) ratio | 10.1495% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3130% | 2,155 |
| Memoranda: | ||
| Average total assets | $225,868,000 | 2,893 |
| Average earning assets | $213,826,000 | 2,866 |
| Average equity | $24,352,500 | 2,905 |
| Average total loans | $118,037,500 | 3,030 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 1,819 |
| Cost of funding earning assets | 0.5917% | 2,373 |
| Net interest margin | 3.7261% | 1,721 |
| Noninterest income to average assets | 0.2226% | 4,164 |
| Noninterest expense to average assets | 1.9938% | 4,150 |
| Loan and lease loss provision to assets | 0.3321% | 1,077 |
| Net operating income to assets | 1.1723% | 1,643 |
| Return on assets (ROA) | 1.2093% | 1,627 |
| Pretax return on assets | 1.4493% | 1,512 |
| Return on Equity (ROE) | 10.6001% | 1,775 |
| Retained earnings to average equity (ytd only) | 5.9249% | 1,830 |
| Net charge-offs to loans | 0.1793% | 936 |
| Credit loss provision to net charge-offs | 326.1905% | 1,653 |
| Earnings coverage of net charge-offs (x) | 17.0571% | 2,098 |
| Efficiency ratio | 53.4442% | 4,264 |
| Assets per employee ($millions) | 9.0906% | 717 |
| Cash dividends to net income (ytd only)* | 44.1059% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0106% | 573 |
| Loan loss allowance to noncurrent loans | 134.3040% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9060% | 1,091 |
| Noncurrent loans to loans | 1.4971% | 891 |
| Net loans and leases to total assets | 49.4509% | 3,866 |
| Net loans and leases to deposits | 55.4845% | 4,030 |
| Net loans and leases to core deposits | 60.2995% | 3,928 |
| Total domestic deposits to total assets | 89.1255% | 931 |
| Equity capital to assets | 10.7442% | 2,481 |
| Core capital (leverage) ratio | 9.8516% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2141% | 2,162 |
| Memoranda: | ||
| Average total assets | $206,234,400 | 2,893 |
| Average earning assets | $194,171,000 | 2,873 |
| Average equity | $23,528,000 | 2,904 |
| Average total loans | $117,100,000 | 3,014 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 1,521 |
| Cost of funding earning assets | 0.6374% | 2,394 |
| Net interest margin | 3.8807% | 1,400 |
| Noninterest income to average assets | 0.2275% | 4,133 |
| Noninterest expense to average assets | 1.9909% | 4,161 |
| Loan and lease loss provision to assets | 0.4080% | 847 |
| Net operating income to assets | 1.2297% | 1,549 |
| Return on assets (ROA) | 1.2804% | 1,505 |
| Pretax return on assets | 1.5371% | 1,366 |
| Return on Equity (ROE) | 11.0415% | 1,664 |
| Retained earnings to average equity (ytd only) | 11.0415% | 569 |
| Net charge-offs to loans | 0.1280% | 1,114 |
| Credit loss provision to net charge-offs | 544.2478% | 1,227 |
| Earnings coverage of net charge-offs (x) | 25.1327% | 1,732 |
| Efficiency ratio | 51.3782% | 4,389 |
| Assets per employee ($millions) | 8.3098% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 574 |
| Loan loss allowance to noncurrent loans | 110.5687% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.2145% | 815 |
| Noncurrent loans to loans | 1.7268% | 783 |
| Net loans and leases to total assets | 57.6948% | 3,448 |
| Net loans and leases to deposits | 65.8054% | 3,634 |
| Net loans and leases to core deposits | 71.4359% | 3,524 |
| Total domestic deposits to total assets | 87.6748% | 1,357 |
| Equity capital to assets | 11.9493% | 1,708 |
| Core capital (leverage) ratio | 10.7446% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5215% | 1,645 |
| Memoranda: | ||
| Average total assets | $200,976,500 | 2,914 |
| Average earning assets | $188,897,750 | 2,900 |
| Average equity | $23,305,500 | 2,919 |
| Average total loans | $117,702,250 | 3,014 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 1,509 |
| Cost of funding earning assets | 0.6946% | 2,419 |
| Net interest margin | 3.9664% | 1,409 |
| Noninterest income to average assets | 0.2264% | 4,132 |
| Noninterest expense to average assets | 2.0350% | 4,159 |
| Loan and lease loss provision to assets | 0.3925% | 1,043 |
| Net operating income to assets | 1.2708% | 1,432 |
| Return on assets (ROA) | 1.3476% | 1,323 |
| Pretax return on assets | 1.6214% | 1,176 |
| Return on Equity (ROE) | 11.7460% | 1,409 |
| Retained earnings to average equity (ytd only) | 11.7460% | 491 |
| Net charge-offs to loans | 0.1756% | 850 |
| Credit loss provision to net charge-offs | 382.3529% | 1,442 |
| Earnings coverage of net charge-offs (x) | 18.7157% | 1,755 |
| Efficiency ratio | 51.4373% | 4,401 |
| Assets per employee ($millions) | 8.1153% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 730 |
| Loan loss allowance to noncurrent loans | 76.7560% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.5692% | 579 |
| Noncurrent loans to loans | 2.2800% | 538 |
| Net loans and leases to total assets | 56.4088% | 3,653 |
| Net loans and leases to deposits | 63.9762% | 3,886 |
| Net loans and leases to core deposits | 70.3943% | 3,667 |
| Total domestic deposits to total assets | 88.1715% | 1,099 |
| Equity capital to assets | 11.4375% | 2,015 |
| Core capital (leverage) ratio | 10.8203% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3854% | 1,668 |
| Memoranda: | ||
| Average total assets | $198,720,333 | 2,912 |
| Average earning assets | $186,871,000 | 2,898 |
| Average equity | $22,799,333 | 2,943 |
| Average total loans | $116,206,000 | 3,022 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 2,422 |
| Cost of funding earning assets | 0.7378% | 2,739 |
| Net interest margin | 3.7222% | 2,257 |
| Noninterest income to average assets | 0.2409% | 4,116 |
| Noninterest expense to average assets | 1.9940% | 4,405 |
| Loan and lease loss provision to assets | 0.3427% | 899 |
| Net operating income to assets | 1.1743% | 1,605 |
| Return on assets (ROA) | 1.2982% | 1,343 |
| Pretax return on assets | 1.5516% | 1,173 |
| Return on Equity (ROE) | 11.2956% | 1,330 |
| Retained earnings to average equity (ytd only) | 11.2956% | 520 |
| Net charge-offs to loans | 0.0950% | 1,120 |
| Credit loss provision to net charge-offs | 611.1111% | 784 |
| Earnings coverage of net charge-offs (x) | 31.1481% | 1,153 |
| Efficiency ratio | 53.3037% | 4,448 |
| Assets per employee ($millions) | 7.3656% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 824 |
| Loan loss allowance to noncurrent loans | 65.4588% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.8574% | 474 |
| Noncurrent loans to loans | 2.6419% | 437 |
| Net loans and leases to total assets | 58.4253% | 3,638 |
| Net loans and leases to deposits | 66.3512% | 3,845 |
| Net loans and leases to core deposits | 72.6291% | 3,724 |
| Total domestic deposits to total assets | 88.0547% | 1,083 |
| Equity capital to assets | 11.7500% | 2,251 |
| Core capital (leverage) ratio | 11.1618% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7900% | 1,400 |
| Memoranda: | ||
| Average total assets | $192,581,000 | 2,926 |
| Average earning assets | $181,073,500 | 2,912 |
| Average equity | $22,132,500 | 2,988 |
| Average total loans | $113,738,000 | 3,032 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5839% | 2,671 |
| Cost of funding earning assets | 0.7500% | 2,919 |
| Net interest margin | 3.8339% | 2,390 |
| Noninterest income to average assets | 0.2445% | 4,217 |
| Noninterest expense to average assets | 2.0642% | 4,417 |
| Loan and lease loss provision to assets | 0.4541% | 300 |
| Net operating income to assets | 1.1128% | 2,388 |
| Return on assets (ROA) | 1.1248% | 2,452 |
| Pretax return on assets | 1.3334% | 2,386 |
| Return on Equity (ROE) | 10.0174% | 2,291 |
| Retained earnings to average equity (ytd only) | 4.8441% | 2,503 |
| Net charge-offs to loans | 0.6450% | 274 |
| Credit loss provision to net charge-offs | 116.3735% | 2,171 |
| Earnings coverage of net charge-offs (x) | 4.5440% | 3,203 |
| Efficiency ratio | 53.7911% | 4,442 |
| Assets per employee ($millions) | 7.4483% | 881 |
| Cash dividends to net income (ytd only)* | 51.6432% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 955 |
| Loan loss allowance to noncurrent loans | 58.4051% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.7831% | 494 |
| Noncurrent loans to loans | 2.7592% | 373 |
| Net loans and leases to total assets | 57.7250% | 3,788 |
| Net loans and leases to deposits | 65.0679% | 4,000 |
| Net loans and leases to core deposits | 71.1862% | 3,901 |
| Total domestic deposits to total assets | 88.7150% | 783 |
| Equity capital to assets | 11.2380% | 2,773 |
| Core capital (leverage) ratio | 10.7601% | 2,713 |
| Tier 1 risk-based capital ratio | 15.0995% | 2,740 |
| Total risk-based capital ratio | 16.3503% | 2,670 |
| Memoranda: | ||
| Average total assets | $189,370,800 | 2,923 |
| Average earning assets | $177,470,200 | 2,911 |
| Average equity | $21,263,000 | 3,018 |
| Average total loans | $114,577,000 | 3,010 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 2,721 |
| Cost of funding earning assets | 0.7387% | 3,021 |
| Net interest margin | 3.8615% | 2,396 |
| Noninterest income to average assets | 0.2386% | 4,307 |
| Noninterest expense to average assets | 1.9854% | 4,583 |
| Loan and lease loss provision to assets | 0.3965% | 328 |
| Net operating income to assets | 1.2343% | 2,083 |
| Return on assets (ROA) | 1.2462% | 2,108 |
| Pretax return on assets | 1.4834% | 2,011 |
| Return on Equity (ROE) | 11.1014% | 1,981 |
| Retained earnings to average equity (ytd only) | 11.1014% | 503 |
| Net charge-offs to loans | 0.5446% | 305 |
| Credit loss provision to net charge-offs | 119.4030% | 1,960 |
| Earnings coverage of net charge-offs (x) | 5.6183% | 2,905 |
| Efficiency ratio | 51.5536% | 4,635 |
| Assets per employee ($millions) | 7.4347% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 1,153 |
| Loan loss allowance to noncurrent loans | 57.7244% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.8106% | 547 |
| Noncurrent loans to loans | 2.6585% | 411 |
| Net loans and leases to total assets | 59.7809% | 3,695 |
| Net loans and leases to deposits | 67.8781% | 3,932 |
| Net loans and leases to core deposits | 72.2574% | 3,932 |
| Total domestic deposits to total assets | 88.0709% | 1,011 |
| Equity capital to assets | 11.7035% | 2,499 |
| Core capital (leverage) ratio | 11.6493% | 2,112 |
| Tier 1 risk-based capital ratio | 15.3002% | 2,715 |
| Total risk-based capital ratio | 16.5502% | 2,646 |
| Memoranda: | ||
| Average total assets | $188,299,500 | 2,957 |
| Average earning assets | $176,163,250 | 2,948 |
| Average equity | $21,138,000 | 3,052 |
| Average total loans | $114,816,500 | 3,046 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 2,727 |
| Cost of funding earning assets | 0.7215% | 3,036 |
| Net interest margin | 3.8613% | 2,364 |
| Noninterest income to average assets | 0.2422% | 4,303 |
| Noninterest expense to average assets | 2.0489% | 4,520 |
| Loan and lease loss provision to assets | 0.3644% | 345 |
| Net operating income to assets | 1.2154% | 2,092 |
| Return on assets (ROA) | 1.2334% | 2,085 |
| Pretax return on assets | 1.4692% | 1,957 |
| Return on Equity (ROE) | 11.1515% | 1,919 |
| Retained earnings to average equity (ytd only) | 11.1515% | 526 |
| Net charge-offs to loans | 0.5124% | 304 |
| Credit loss provision to net charge-offs | 116.4384% | 1,785 |
| Earnings coverage of net charge-offs (x) | 5.7911% | 2,615 |
| Efficiency ratio | 53.0669% | 4,556 |
| Assets per employee ($millions) | 7.0745% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 1,231 |
| Loan loss allowance to noncurrent loans | 56.4325% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.9012% | 511 |
| Noncurrent loans to loans | 2.6826% | 410 |
| Net loans and leases to total assets | 62.2131% | 3,519 |
| Net loans and leases to deposits | 70.7014% | 3,788 |
| Net loans and leases to core deposits | 75.7398% | 3,755 |
| Total domestic deposits to total assets | 87.9943% | 1,102 |
| Equity capital to assets | 11.8252% | 2,324 |
| Core capital (leverage) ratio | 11.3049% | 2,332 |
| Tier 1 risk-based capital ratio | 15.2923% | 2,718 |
| Total risk-based capital ratio | 16.5423% | 2,650 |
| Memoranda: | ||
| Average total assets | $186,632,330 | 2,982 |
| Average earning assets | $174,913,330 | 2,972 |
| Average equity | $20,643,000 | 3,089 |
| Average total loans | $113,969,330 | 3,071 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 2,773 |
| Cost of funding earning assets | 0.6781% | 3,165 |
| Net interest margin | 3.8510% | 2,340 |
| Noninterest income to average assets | 0.2383% | 4,300 |
| Noninterest expense to average assets | 2.1641% | 4,345 |
| Loan and lease loss provision to assets | 0.3405% | 357 |
| Net operating income to assets | 1.1470% | 2,286 |
| Return on assets (ROA) | 1.1597% | 2,274 |
| Pretax return on assets | 1.3618% | 2,230 |
| Return on Equity (ROE) | 10.8517% | 2,002 |
| Retained earnings to average equity (ytd only) | 10.8517% | 836 |
| Net charge-offs to loans | 0.4785% | 318 |
| Credit loss provision to net charge-offs | 118.5185% | 1,423 |
| Earnings coverage of net charge-offs (x) | 5.8741% | 2,232 |
| Efficiency ratio | 56.1878% | 4,308 |
| Assets per employee ($millions) | 7.4105% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 1,260 |
| Loan loss allowance to noncurrent loans | 53.5990% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.9524% | 520 |
| Noncurrent loans to loans | 2.8443% | 409 |
| Net loans and leases to total assets | 60.4943% | 3,659 |
| Net loans and leases to deposits | 68.2020% | 3,910 |
| Net loans and leases to core deposits | 73.2245% | 3,846 |
| Total domestic deposits to total assets | 88.6987% | 997 |
| Equity capital to assets | 11.1372% | 2,717 |
| Core capital (leverage) ratio | 10.9772% | 2,596 |
| Tier 1 risk-based capital ratio | 14.9625% | 2,902 |
| Total risk-based capital ratio | 16.2124% | 2,830 |
| Memoranda: | ||
| Average total assets | $187,980,000 | 3,011 |
| Average earning assets | $176,368,000 | 2,987 |
| Average equity | $20,089,000 | 3,155 |
| Average total loans | $112,858,000 | 3,114 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 2,793 |
| Cost of funding earning assets | 0.5521% | 3,036 |
| Net interest margin | 3.8385% | 2,541 |
| Noninterest income to average assets | 0.2661% | 4,333 |
| Noninterest expense to average assets | 2.1769% | 4,395 |
| Loan and lease loss provision to assets | 0.2804% | 590 |
| Net operating income to assets | 1.1544% | 2,364 |
| Return on assets (ROA) | 1.1558% | 2,364 |
| Pretax return on assets | 1.3928% | 2,155 |
| Return on Equity (ROE) | 11.0013% | 2,081 |
| Retained earnings to average equity (ytd only) | 5.2442% | 2,632 |
| Net charge-offs to loans | 0.4023% | 460 |
| Credit loss provision to net charge-offs | 111.8421% | 2,311 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 3,064 |
| Efficiency ratio | 56.5652% | 4,334 |
| Assets per employee ($millions) | 7.0629% | 948 |
| Cash dividends to net income (ytd only)* | 52.3311% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 1,204 |
| Loan loss allowance to noncurrent loans | 48.0888% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 2.0572% | 455 |
| Noncurrent loans to loans | 3.1794% | 305 |
| Net loans and leases to total assets | 57.7861% | 3,989 |
| Net loans and leases to deposits | 64.4182% | 4,228 |
| Net loans and leases to core deposits | 67.4797% | 4,270 |
| Total domestic deposits to total assets | 89.7047% | 575 |
| Equity capital to assets | 10.2492% | 3,426 |
| Core capital (leverage) ratio | 10.5953% | 2,935 |
| Tier 1 risk-based capital ratio | 14.6266% | 3,003 |
| Total risk-based capital ratio | 15.8762% | 2,928 |
| Memoranda: | ||
| Average total assets | $181,868,000 | 3,036 |
| Average earning assets | $169,727,400 | 3,029 |
| Average equity | $19,106,800 | 3,172 |
| Average total loans | $113,350,200 | 3,092 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 2,729 |
| Cost of funding earning assets | 0.5415% | 2,922 |
| Net interest margin | 3.8288% | 2,532 |
| Noninterest income to average assets | 0.2768% | 4,302 |
| Noninterest expense to average assets | 2.1559% | 4,415 |
| Loan and lease loss provision to assets | 0.3785% | 343 |
| Net operating income to assets | 1.0661% | 2,806 |
| Return on assets (ROA) | 1.0679% | 2,808 |
| Pretax return on assets | 1.3128% | 2,566 |
| Return on Equity (ROE) | 10.0995% | 2,576 |
| Retained earnings to average equity (ytd only) | 10.0995% | 888 |
| Net charge-offs to loans | 0.3436% | 483 |
| Credit loss provision to net charge-offs | 174.0614% | 1,538 |
| Earnings coverage of net charge-offs (x) | 7.7679% | 2,777 |
| Efficiency ratio | 56.0703% | 4,382 |
| Assets per employee ($millions) | 6.7091% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 1,043 |
| Loan loss allowance to noncurrent loans | 45.5607% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.4709% | 353 |
| Noncurrent loans to loans | 3.5433% | 265 |
| Net loans and leases to total assets | 63.0155% | 3,542 |
| Net loans and leases to deposits | 70.7499% | 3,860 |
| Net loans and leases to core deposits | 74.0239% | 3,946 |
| Total domestic deposits to total assets | 89.0679% | 825 |
| Equity capital to assets | 10.7814% | 2,862 |
| Core capital (leverage) ratio | 11.2677% | 2,360 |
| Tier 1 risk-based capital ratio | 14.9678% | 2,901 |
| Total risk-based capital ratio | 16.2189% | 2,817 |
| Memoranda: | ||
| Average total assets | $179,660,500 | 3,075 |
| Average earning assets | $167,430,500 | 3,079 |
| Average equity | $18,997,250 | 3,203 |
| Average total loans | $113,710,750 | 3,105 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 2,719 |
| Cost of funding earning assets | 0.5099% | 2,933 |
| Net interest margin | 3.8024% | 2,556 |
| Noninterest income to average assets | 0.2724% | 4,366 |
| Noninterest expense to average assets | 2.1232% | 4,554 |
| Loan and lease loss provision to assets | 0.3460% | 381 |
| Net operating income to assets | 1.1280% | 2,484 |
| Return on assets (ROA) | 1.1252% | 2,503 |
| Pretax return on assets | 1.3462% | 2,337 |
| Return on Equity (ROE) | 10.7122% | 2,227 |
| Retained earnings to average equity (ytd only) | 10.7122% | 731 |
| Net charge-offs to loans | 0.2621% | 613 |
| Credit loss provision to net charge-offs | 209.4595% | 1,264 |
| Earnings coverage of net charge-offs (x) | 10.2635% | 2,340 |
| Efficiency ratio | 55.5978% | 4,531 |
| Assets per employee ($millions) | 6.8156% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 1,253 |
| Loan loss allowance to noncurrent loans | 49.5236% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 2.2787% | 410 |
| Noncurrent loans to loans | 3.1211% | 347 |
| Net loans and leases to total assets | 65.3847% | 3,231 |
| Net loans and leases to deposits | 73.4438% | 3,584 |
| Net loans and leases to core deposits | 78.3698% | 3,544 |
| Total domestic deposits to total assets | 89.0268% | 921 |
| Equity capital to assets | 10.8287% | 2,808 |
| Core capital (leverage) ratio | 11.2040% | 2,345 |
| Tier 1 risk-based capital ratio | 13.7412% | 3,485 |
| Total risk-based capital ratio | 14.9909% | 3,394 |
| Memoranda: | ||
| Average total assets | $179,165,330 | 3,103 |
| Average earning assets | $167,103,330 | 3,099 |
| Average equity | $18,819,670 | 3,241 |
| Average total loans | $112,940,000 | 3,125 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 2,818 |
| Cost of funding earning assets | 0.4703% | 3,038 |
| Net interest margin | 3.7502% | 2,612 |
| Noninterest income to average assets | 0.2709% | 4,357 |
| Noninterest expense to average assets | 2.3137% | 4,161 |
| Loan and lease loss provision to assets | 0.2665% | 524 |
| Net operating income to assets | 1.0236% | 2,762 |
| Return on assets (ROA) | 1.0236% | 2,781 |
| Pretax return on assets | 1.1968% | 2,763 |
| Return on Equity (ROE) | 9.8954% | 2,491 |
| Retained earnings to average equity (ytd only) | 9.8954% | 1,193 |
| Net charge-offs to loans | 0.2026% | 726 |
| Credit loss provision to net charge-offs | 214.2857% | 997 |
| Earnings coverage of net charge-offs (x) | 11.7679% | 1,830 |
| Efficiency ratio | 61.2581% | 3,907 |
| Assets per employee ($millions) | 6.3445% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 1,361 |
| Loan loss allowance to noncurrent loans | 51.4354% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 2.0879% | 529 |
| Noncurrent loans to loans | 2.9682% | 408 |
| Net loans and leases to total assets | 62.4515% | 3,494 |
| Net loans and leases to deposits | 69.8794% | 3,797 |
| Net loans and leases to core deposits | 74.2494% | 3,803 |
| Total domestic deposits to total assets | 89.3704% | 934 |
| Equity capital to assets | 10.5047% | 3,073 |
| Core capital (leverage) ratio | 10.8026% | 2,627 |
| Tier 1 risk-based capital ratio | 14.5878% | 3,076 |
| Total risk-based capital ratio | 15.8385% | 2,980 |
| Memoranda: | ||
| Average total assets | $180,145,500 | 3,128 |
| Average earning assets | $168,416,500 | 3,118 |
| Average equity | $18,635,000 | 3,290 |
| Average total loans | $110,568,000 | 3,180 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 2,469 |
| Cost of funding earning assets | 0.4114% | 3,146 |
| Net interest margin | 3.8468% | 2,266 |
| Noninterest income to average assets | 0.2262% | 4,782 |
| Noninterest expense to average assets | 2.1237% | 4,715 |
| Loan and lease loss provision to assets | 0.3451% | 463 |
| Net operating income to assets | 0.9137% | 2,637 |
| Return on assets (ROA) | 0.9181% | 2,638 |
| Pretax return on assets | 1.3651% | 2,110 |
| Return on Equity (ROE) | 9.0029% | 2,317 |
| Retained earnings to average equity (ytd only) | 4.7056% | 2,320 |
| Net charge-offs to loans | 0.4476% | 536 |
| Credit loss provision to net charge-offs | 126.2525% | 2,085 |
| Earnings coverage of net charge-offs (x) | 6.2325% | 3,210 |
| Efficiency ratio | 55.4888% | 4,817 |
| Assets per employee ($millions) | 6.7656% | 1,073 |
| Cash dividends to net income (ytd only)* | 47.7327% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 1,321 |
| Loan loss allowance to noncurrent loans | 81.0573% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.3209% | 1,094 |
| Noncurrent loans to loans | 1.8834% | 833 |
| Net loans and leases to total assets | 58.4753% | 3,968 |
| Net loans and leases to deposits | 65.1385% | 4,250 |
| Net loans and leases to core deposits | 67.8671% | 4,307 |
| Total domestic deposits to total assets | 89.7707% | 649 |
| Equity capital to assets | 10.2013% | 3,488 |
| Core capital (leverage) ratio | 10.2655% | 3,108 |
| Tier 1 risk-based capital ratio | 14.5370% | 3,071 |
| Total risk-based capital ratio | 15.7872% | 2,993 |
| Memoranda: | ||
| Average total assets | $182,557,000 | 3,083 |
| Average earning assets | $170,896,600 | 3,059 |
| Average equity | $18,616,200 | 3,286 |
| Average total loans | $111,487,000 | 3,155 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 2,480 |
| Cost of funding earning assets | 0.3996% | 3,194 |
| Net interest margin | 3.8390% | 2,251 |
| Noninterest income to average assets | 0.2235% | 4,879 |
| Noninterest expense to average assets | 2.0453% | 4,858 |
| Loan and lease loss provision to assets | 0.3871% | 360 |
| Net operating income to assets | 0.9833% | 2,626 |
| Return on assets (ROA) | 0.9942% | 2,634 |
| Pretax return on assets | 1.3996% | 2,120 |
| Return on Equity (ROE) | 9.7500% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.7500% | 639 |
| Net charge-offs to loans | 0.5096% | 400 |
| Credit loss provision to net charge-offs | 123.5431% | 1,967 |
| Earnings coverage of net charge-offs (x) | 5.6526% | 3,074 |
| Efficiency ratio | 53.5885% | 4,960 |
| Assets per employee ($millions) | 6.6299% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 1,801 |
| Loan loss allowance to noncurrent loans | 77.4655% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 1,189 |
| Noncurrent loans to loans | 1.8357% | 964 |
| Net loans and leases to total assets | 60.7176% | 3,790 |
| Net loans and leases to deposits | 67.9264% | 4,120 |
| Net loans and leases to core deposits | 71.4073% | 4,160 |
| Total domestic deposits to total assets | 89.3874% | 705 |
| Equity capital to assets | 10.4429% | 3,428 |
| Core capital (leverage) ratio | 10.8491% | 2,598 |
| Tier 1 risk-based capital ratio | 14.3875% | 3,246 |
| Total risk-based capital ratio | 15.6026% | 3,176 |
| Memoranda: | ||
| Average total assets | $182,528,250 | 3,114 |
| Average earning assets | $170,837,500 | 3,086 |
| Average equity | $18,611,500 | 3,316 |
| Average total loans | $112,240,250 | 3,182 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 2,359 |
| Cost of funding earning assets | 0.4033% | 3,040 |
| Net interest margin | 3.8260% | 2,190 |
| Noninterest income to average assets | 0.2061% | 5,016 |
| Noninterest expense to average assets | 2.0276% | 4,917 |
| Loan and lease loss provision to assets | 0.4188% | 305 |
| Net operating income to assets | 0.9630% | 2,596 |
| Return on assets (ROA) | 0.9797% | 2,576 |
| Pretax return on assets | 1.3687% | 2,142 |
| Return on Equity (ROE) | 9.6876% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.6876% | 648 |
| Net charge-offs to loans | 0.4841% | 409 |
| Credit loss provision to net charge-offs | 140.7407% | 1,586 |
| Earnings coverage of net charge-offs (x) | 5.9296% | 2,763 |
| Efficiency ratio | 53.4728% | 5,060 |
| Assets per employee ($millions) | 6.4798% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,741 |
| Loan loss allowance to noncurrent loans | 133.6877% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.8747% | 2,027 |
| Noncurrent loans to loans | 1.0884% | 1,801 |
| Net loans and leases to total assets | 61.0308% | 3,744 |
| Net loans and leases to deposits | 68.2503% | 4,045 |
| Net loans and leases to core deposits | 73.1263% | 4,011 |
| Total domestic deposits to total assets | 89.4220% | 752 |
| Equity capital to assets | 10.4529% | 3,400 |
| Core capital (leverage) ratio | 10.5842% | 2,832 |
| Tier 1 risk-based capital ratio | 14.4139% | 3,211 |
| Total risk-based capital ratio | 15.6634% | 3,140 |
| Memoranda: | ||
| Average total assets | $181,491,670 | 3,139 |
| Average earning assets | $170,099,330 | 3,110 |
| Average equity | $18,353,330 | 3,353 |
| Average total loans | $111,540,000 | 3,200 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 2,508 |
| Cost of funding earning assets | 0.4007% | 2,991 |
| Net interest margin | 3.7405% | 2,352 |
| Noninterest income to average assets | 0.2071% | 5,034 |
| Noninterest expense to average assets | 2.1705% | 4,719 |
| Loan and lease loss provision to assets | 0.5068% | 200 |
| Net operating income to assets | 0.7340% | 3,539 |
| Return on assets (ROA) | 0.7669% | 3,442 |
| Pretax return on assets | 1.0732% | 3,079 |
| Return on Equity (ROE) | 7.7130% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.7130% | 1,569 |
| Net charge-offs to loans | 0.3599% | 511 |
| Credit loss provision to net charge-offs | 230.0000% | 935 |
| Earnings coverage of net charge-offs (x) | 6.9600% | 2,184 |
| Efficiency ratio | 58.5961% | 4,648 |
| Assets per employee ($millions) | 6.7267% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 1,753 |
| Loan loss allowance to noncurrent loans | 112.7297% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 1,794 |
| Noncurrent loans to loans | 1.3161% | 1,538 |
| Net loans and leases to total assets | 60.5444% | 3,723 |
| Net loans and leases to deposits | 67.4159% | 4,050 |
| Net loans and leases to core deposits | 71.5344% | 4,026 |
| Total domestic deposits to total assets | 89.8074% | 744 |
| Equity capital to assets | 10.0527% | 3,694 |
| Core capital (leverage) ratio | 10.2609% | 3,177 |
| Tier 1 risk-based capital ratio | 13.9933% | 3,487 |
| Total risk-based capital ratio | 15.2431% | 3,395 |
| Memoranda: | ||
| Average total assets | $181,521,000 | 3,172 |
| Average earning assets | $169,711,500 | 3,135 |
| Average equity | $18,047,500 | 3,405 |
| Average total loans | $111,127,500 | 3,230 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 2,478 |
| Cost of funding earning assets | 0.4315% | 2,692 |
| Net interest margin | 3.7713% | 2,426 |
| Noninterest income to average assets | 0.1972% | 5,231 |
| Noninterest expense to average assets | 2.1035% | 4,993 |
| Loan and lease loss provision to assets | 0.2637% | 773 |
| Net operating income to assets | 0.9976% | 2,360 |
| Return on assets (ROA) | 0.9987% | 2,463 |
| Pretax return on assets | 1.3849% | 1,997 |
| Return on Equity (ROE) | 10.1116% | 1,910 |
| Retained earnings to average equity (ytd only) | 6.3573% | 1,524 |
| Net charge-offs to loans | 0.3850% | 696 |
| Credit loss provision to net charge-offs | 120.3008% | 2,205 |
| Earnings coverage of net charge-offs (x) | 7.5138% | 3,008 |
| Efficiency ratio | 56.0861% | 5,062 |
| Assets per employee ($millions) | 6.7193% | 1,044 |
| Cash dividends to net income (ytd only)* | 37.1287% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 2,172 |
| Loan loss allowance to noncurrent loans | 103.3898% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 1,861 |
| Noncurrent loans to loans | 1.3332% | 1,543 |
| Net loans and leases to total assets | 60.1433% | 3,832 |
| Net loans and leases to deposits | 66.7201% | 4,192 |
| Net loans and leases to core deposits | 70.1568% | 4,230 |
| Total domestic deposits to total assets | 90.1428% | 585 |
| Equity capital to assets | 9.8319% | 3,905 |
| Core capital (leverage) ratio | 9.8117% | 3,727 |
| Tier 1 risk-based capital ratio | 13.8085% | 3,573 |
| Total risk-based capital ratio | 14.9855% | 3,527 |
| Memoranda: | ||
| Average total assets | $182,029,800 | 3,147 |
| Average earning assets | $171,507,800 | 3,094 |
| Average equity | $17,979,400 | 3,411 |
| Average total loans | $103,649,600 | 3,322 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 2,505 |
| Cost of funding earning assets | 0.4375% | 2,665 |
| Net interest margin | 3.7642% | 2,477 |
| Noninterest income to average assets | 0.2042% | 5,247 |
| Noninterest expense to average assets | 2.0484% | 5,110 |
| Loan and lease loss provision to assets | 0.1976% | 1,078 |
| Net operating income to assets | 1.0628% | 2,152 |
| Return on assets (ROA) | 1.0648% | 2,251 |
| Pretax return on assets | 1.5186% | 1,655 |
| Return on Equity (ROE) | 10.7685% | 1,759 |
| Retained earnings to average equity (ytd only) | 10.7685% | 449 |
| Net charge-offs to loans | 0.0314% | 3,020 |
| Credit loss provision to net charge-offs | 1,125.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 97.5394% | 673 |
| Efficiency ratio | 54.4553% | 5,204 |
| Assets per employee ($millions) | 6.6446% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 1,556 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.1505% | 1,746 |
| Noncurrent loans to loans | 1.5715% | 1,382 |
| Net loans and leases to total assets | 59.0015% | 3,991 |
| Net loans and leases to deposits | 68.1854% | 4,132 |
| Net loans and leases to core deposits | 71.7683% | 4,180 |
| Total domestic deposits to total assets | 86.5310% | 2,113 |
| Equity capital to assets | 10.4658% | 3,600 |
| Core capital (leverage) ratio | 9.9923% | 3,582 |
| Tier 1 risk-based capital ratio | 14.3829% | 3,338 |
| Total risk-based capital ratio | 15.6337% | 3,271 |
| Memoranda: | ||
| Average total assets | $182,182,250 | 3,151 |
| Average earning assets | $172,180,500 | 3,099 |
| Average equity | $18,015,000 | 3,430 |
| Average total loans | $101,902,750 | 3,360 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 2,827 |
| Cost of funding earning assets | 0.4345% | 2,699 |
| Net interest margin | 3.6733% | 2,807 |
| Noninterest income to average assets | 0.2064% | 5,262 |
| Noninterest expense to average assets | 2.0567% | 5,156 |
| Loan and lease loss provision to assets | 0.1966% | 1,098 |
| Net operating income to assets | 1.0136% | 2,330 |
| Return on assets (ROA) | 1.0136% | 2,465 |
| Pretax return on assets | 1.4341% | 1,889 |
| Return on Equity (ROE) | 10.4497% | 1,869 |
| Retained earnings to average equity (ytd only) | 10.4497% | 515 |
| Net charge-offs to loans | 0.0060% | 3,484 |
| Credit loss provision to net charge-offs | 6,000.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 497.6667% | 137 |
| Efficiency ratio | 55.7761% | 5,166 |
| Assets per employee ($millions) | 6.6943% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 1,658 |
| Loan loss allowance to noncurrent loans | 175.0540% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 2,823 |
| Noncurrent loans to loans | 0.8882% | 2,515 |
| Net loans and leases to total assets | 56.7836% | 4,225 |
| Net loans and leases to deposits | 64.8958% | 4,431 |
| Net loans and leases to core deposits | 69.1324% | 4,396 |
| Total domestic deposits to total assets | 87.4996% | 1,668 |
| Equity capital to assets | 10.2785% | 3,888 |
| Core capital (leverage) ratio | 9.7118% | 3,915 |
| Tier 1 risk-based capital ratio | 14.2653% | 3,459 |
| Total risk-based capital ratio | 15.5154% | 3,376 |
| Memoranda: | ||
| Average total assets | $183,108,330 | 3,154 |
| Average earning assets | $173,524,670 | 3,104 |
| Average equity | $17,761,330 | 3,478 |
| Average total loans | $100,023,330 | 3,407 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 3,168 |
| Cost of funding earning assets | 0.4465% | 2,623 |
| Net interest margin | 3.5696% | 3,205 |
| Noninterest income to average assets | 0.2105% | 5,224 |
| Noninterest expense to average assets | 2.1618% | 4,996 |
| Loan and lease loss provision to assets | 0.1953% | 1,012 |
| Net operating income to assets | 0.9025% | 2,740 |
| Return on assets (ROA) | 0.9073% | 2,841 |
| Pretax return on assets | 1.2437% | 2,531 |
| Return on Equity (ROE) | 9.6352% | 2,141 |
| Retained earnings to average equity (ytd only) | 9.6352% | 946 |
| Net charge-offs to loans | 0.0858% | 1,639 |
| Credit loss provision to net charge-offs | 428.5714% | 674 |
| Earnings coverage of net charge-offs (x) | 31.4286% | 1,156 |
| Efficiency ratio | 60.1449% | 4,725 |
| Assets per employee ($millions) | 6.7662% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 1,913 |
| Loan loss allowance to noncurrent loans | 194.7233% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 3,757 |
| Noncurrent loans to loans | 0.7787% | 2,892 |
| Net loans and leases to total assets | 53.7923% | 4,470 |
| Net loans and leases to deposits | 59.7010% | 4,735 |
| Net loans and leases to core deposits | 63.7554% | 4,704 |
| Total domestic deposits to total assets | 90.1028% | 561 |
| Equity capital to assets | 9.7023% | 4,445 |
| Core capital (leverage) ratio | 9.3311% | 4,455 |
| Tier 1 risk-based capital ratio | 14.2591% | 3,526 |
| Total risk-based capital ratio | 15.5084% | 3,456 |
| Memoranda: | ||
| Average total assets | $184,289,500 | 3,153 |
| Average earning assets | $174,699,000 | 3,105 |
| Average equity | $17,353,000 | 3,534 |
| Average total loans | $97,907,500 | 3,455 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 3,690 |
| Cost of funding earning assets | 0.5041% | 2,122 |
| Net interest margin | 3.4002% | 3,913 |
| Noninterest income to average assets | 0.2674% | 4,956 |
| Noninterest expense to average assets | 1.9398% | 5,560 |
| Loan and lease loss provision to assets | 0.1998% | 1,076 |
| Net operating income to assets | 0.9616% | 2,569 |
| Return on assets (ROA) | 0.9843% | 2,524 |
| Pretax return on assets | 1.3666% | 2,043 |
| Return on Equity (ROE) | 10.5663% | 1,773 |
| Retained earnings to average equity (ytd only) | 6.6948% | 1,443 |
| Net charge-offs to loans | 0.4843% | 553 |
| Credit loss provision to net charge-offs | 80.1782% | 2,946 |
| Earnings coverage of net charge-offs (x) | 6.1604% | 3,267 |
| Efficiency ratio | 55.8288% | 5,360 |
| Assets per employee ($millions) | 6.6390% | 1,030 |
| Cash dividends to net income (ytd only)* | 36.6404% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,985 |
| Loan loss allowance to noncurrent loans | 211.1111% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 3,999 |
| Noncurrent loans to loans | 0.7123% | 3,050 |
| Net loans and leases to total assets | 50.8825% | 4,790 |
| Net loans and leases to deposits | 56.0144% | 5,039 |
| Net loans and leases to core deposits | 58.6729% | 5,070 |
| Total domestic deposits to total assets | 90.8382% | 324 |
| Equity capital to assets | 9.1349% | 4,982 |
| Core capital (leverage) ratio | 9.1775% | 4,647 |
| Tier 1 risk-based capital ratio | 14.4162% | 3,485 |
| Total risk-based capital ratio | 15.6592% | 3,404 |
| Memoranda: | ||
| Average total assets | $180,225,200 | 3,170 |
| Average earning assets | $169,991,000 | 3,127 |
| Average equity | $16,789,200 | 3,563 |
| Average total loans | $92,710,200 | 3,528 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 3,724 |
| Cost of funding earning assets | 0.5233% | 2,012 |
| Net interest margin | 3.3844% | 4,020 |
| Noninterest income to average assets | 0.2729% | 4,987 |
| Noninterest expense to average assets | 1.9134% | 5,622 |
| Loan and lease loss provision to assets | 0.2013% | 998 |
| Net operating income to assets | 0.9521% | 2,703 |
| Return on assets (ROA) | 0.9776% | 2,667 |
| Pretax return on assets | 1.3817% | 2,092 |
| Return on Equity (ROE) | 10.4410% | 1,923 |
| Retained earnings to average equity (ytd only) | 10.4410% | 562 |
| Net charge-offs to loans | 0.3033% | 882 |
| Credit loss provision to net charge-offs | 129.1866% | 1,885 |
| Earnings coverage of net charge-offs (x) | 9.9282% | 2,643 |
| Efficiency ratio | 55.2898% | 5,426 |
| Assets per employee ($millions) | 6.6299% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 1,768 |
| Loan loss allowance to noncurrent loans | 312.9666% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 4,491 |
| Noncurrent loans to loans | 0.5135% | 3,812 |
| Net loans and leases to total assets | 54.4825% | 4,516 |
| Net loans and leases to deposits | 60.5982% | 4,811 |
| Net loans and leases to core deposits | 63.8669% | 4,825 |
| Total domestic deposits to total assets | 89.9077% | 612 |
| Equity capital to assets | 9.8521% | 4,341 |
| Core capital (leverage) ratio | 9.5912% | 4,181 |
| Tier 1 risk-based capital ratio | 14.3973% | 3,631 |
| Total risk-based capital ratio | 15.6485% | 3,546 |
| Memoranda: | ||
| Average total assets | $178,808,750 | 3,212 |
| Average earning assets | $168,416,000 | 3,172 |
| Average equity | $16,741,250 | 3,595 |
| Average total loans | $91,880,250 | 3,580 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 4,025 |
| Cost of funding earning assets | 0.5370% | 1,926 |
| Net interest margin | 3.2734% | 4,407 |
| Noninterest income to average assets | 0.2708% | 5,017 |
| Noninterest expense to average assets | 1.8675% | 5,757 |
| Loan and lease loss provision to assets | 0.2014% | 970 |
| Net operating income to assets | 0.9090% | 2,823 |
| Return on assets (ROA) | 0.9567% | 2,714 |
| Pretax return on assets | 1.3450% | 2,194 |
| Return on Equity (ROE) | 10.3996% | 1,894 |
| Retained earnings to average equity (ytd only) | 10.3996% | 604 |
| Net charge-offs to loans | 0.3577% | 730 |
| Credit loss provision to net charge-offs | 112.5000% | 1,894 |
| Earnings coverage of net charge-offs (x) | 8.2625% | 2,580 |
| Efficiency ratio | 55.8007% | 5,449 |
| Assets per employee ($millions) | 6.4575% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 1,790 |
| Loan loss allowance to noncurrent loans | 339.6061% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 4,816 |
| Noncurrent loans to loans | 0.4829% | 4,025 |
| Net loans and leases to total assets | 53.3926% | 4,626 |
| Net loans and leases to deposits | 59.1632% | 4,919 |
| Net loans and leases to core deposits | 63.7016% | 4,829 |
| Total domestic deposits to total assets | 90.2462% | 559 |
| Equity capital to assets | 9.6104% | 4,518 |
| Core capital (leverage) ratio | 9.2898% | 4,567 |
| Tier 1 risk-based capital ratio | 14.6981% | 3,528 |
| Total risk-based capital ratio | 15.9491% | 3,457 |
| Memoranda: | ||
| Average total assets | $178,742,330 | 3,234 |
| Average earning assets | $167,959,670 | 3,196 |
| Average equity | $16,443,000 | 3,650 |
| Average total loans | $89,466,670 | 3,654 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 4,468 |
| Cost of funding earning assets | 0.5412% | 1,917 |
| Net interest margin | 3.1298% | 4,853 |
| Noninterest income to average assets | 0.2697% | 5,022 |
| Noninterest expense to average assets | 1.9963% | 5,584 |
| Loan and lease loss provision to assets | 0.1990% | 933 |
| Net operating income to assets | 0.7430% | 3,580 |
| Return on assets (ROA) | 0.7914% | 3,443 |
| Pretax return on assets | 1.0810% | 3,156 |
| Return on Equity (ROE) | 8.7926% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.7926% | 1,268 |
| Net charge-offs to loans | 0.2624% | 915 |
| Credit loss provision to net charge-offs | 157.8947% | 1,212 |
| Earnings coverage of net charge-offs (x) | 9.6316% | 1,992 |
| Efficiency ratio | 62.1901% | 4,769 |
| Assets per employee ($millions) | 7.2270% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 1,572 |
| Loan loss allowance to noncurrent loans | 212.3474% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 4,398 |
| Noncurrent loans to loans | 0.8314% | 3,160 |
| Net loans and leases to total assets | 48.1951% | 5,010 |
| Net loans and leases to deposits | 53.2210% | 5,254 |
| Net loans and leases to core deposits | 56.5660% | 5,217 |
| Total domestic deposits to total assets | 90.5565% | 512 |
| Equity capital to assets | 9.2670% | 5,009 |
| Core capital (leverage) ratio | 8.8122% | 5,190 |
| Tier 1 risk-based capital ratio | 14.8827% | 3,492 |
| Total risk-based capital ratio | 16.1349% | 3,429 |
| Memoranda: | ||
| Average total assets | $180,937,500 | 3,223 |
| Average earning assets | $169,981,000 | 3,179 |
| Average equity | $16,286,500 | 3,698 |
| Average total loans | $86,878,500 | 3,728 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 3,278 |
| Cost of funding earning assets | 0.6577% | 1,357 |
| Net interest margin | 3.4554% | 3,956 |
| Noninterest income to average assets | 0.2765% | 5,137 |
| Noninterest expense to average assets | 1.9059% | 5,931 |
| Loan and lease loss provision to assets | 0.2164% | 1,147 |
| Net operating income to assets | 0.9948% | 2,410 |
| Return on assets (ROA) | 1.0470% | 2,247 |
| Pretax return on assets | 1.4401% | 1,757 |
| Return on Equity (ROE) | 11.8654% | 1,449 |
| Retained earnings to average equity (ytd only) | 7.6083% | 1,155 |
| Net charge-offs to loans | 0.4069% | 1,054 |
| Credit loss provision to net charge-offs | 97.8261% | 2,477 |
| Earnings coverage of net charge-offs (x) | 7.1658% | 3,076 |
| Efficiency ratio | 54.5971% | 5,798 |
| Assets per employee ($millions) | 7.2480% | 735 |
| Cash dividends to net income (ytd only)* | 35.8783% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8011% | 1,533 |
| Loan loss allowance to noncurrent loans | 156.4286% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 4,001 |
| Noncurrent loans to loans | 1.1514% | 2,535 |
| Net loans and leases to total assets | 46.1272% | 5,315 |
| Net loans and leases to deposits | 50.5653% | 5,555 |
| Net loans and leases to core deposits | 53.9722% | 5,502 |
| Total domestic deposits to total assets | 91.2230% | 294 |
| Equity capital to assets | 8.7362% | 5,550 |
| Core capital (leverage) ratio | 8.8433% | 5,198 |
| Tier 1 risk-based capital ratio | 14.6365% | 3,704 |
| Total risk-based capital ratio | 15.8887% | 3,626 |
| Memoranda: | ||
| Average total assets | $166,380,000 | 3,388 |
| Average earning assets | $154,771,600 | 3,367 |
| Average equity | $14,681,400 | 3,902 |
| Average total loans | $90,449,200 | 3,621 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 2,959 |
| Cost of funding earning assets | 0.6796% | 1,259 |
| Net interest margin | 3.5286% | 3,722 |
| Noninterest income to average assets | 0.2844% | 5,167 |
| Noninterest expense to average assets | 1.8384% | 6,040 |
| Loan and lease loss provision to assets | 0.2213% | 1,033 |
| Net operating income to assets | 1.0667% | 2,168 |
| Return on assets (ROA) | 1.1319% | 1,990 |
| Pretax return on assets | 1.5933% | 1,342 |
| Return on Equity (ROE) | 12.7918% | 1,272 |
| Retained earnings to average equity (ytd only) | 12.7918% | 347 |
| Net charge-offs to loans | 0.5389% | 708 |
| Credit loss provision to net charge-offs | 72.7763% | 2,719 |
| Earnings coverage of net charge-offs (x) | 5.6658% | 3,220 |
| Efficiency ratio | 51.6226% | 6,018 |
| Assets per employee ($millions) | 6.9381% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 2,543 |
| Loan loss allowance to noncurrent loans | 117.9361% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 3,620 |
| Noncurrent loans to loans | 1.3065% | 2,467 |
| Net loans and leases to total assets | 55.2620% | 4,425 |
| Net loans and leases to deposits | 61.3149% | 4,813 |
| Net loans and leases to core deposits | 65.2335% | 4,781 |
| Total domestic deposits to total assets | 90.1282% | 671 |
| Equity capital to assets | 9.6857% | 4,566 |
| Core capital (leverage) ratio | 9.7187% | 4,050 |
| Tier 1 risk-based capital ratio | 14.1866% | 4,088 |
| Total risk-based capital ratio | 15.4374% | 4,017 |
| Memoranda: | ||
| Average total assets | $162,674,750 | 3,477 |
| Average earning assets | $151,066,500 | 3,446 |
| Average equity | $14,394,250 | 3,985 |
| Average total loans | $91,782,500 | 3,623 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 2,867 |
| Cost of funding earning assets | 0.6906% | 1,237 |
| Net interest margin | 3.5332% | 3,644 |
| Noninterest income to average assets | 0.2788% | 5,198 |
| Noninterest expense to average assets | 1.8786% | 6,034 |
| Loan and lease loss provision to assets | 0.2231% | 1,036 |
| Net operating income to assets | 1.0375% | 2,178 |
| Return on assets (ROA) | 1.0868% | 2,043 |
| Pretax return on assets | 1.5242% | 1,465 |
| Return on Equity (ROE) | 12.6951% | 1,262 |
| Retained earnings to average equity (ytd only) | 12.6951% | 365 |
| Net charge-offs to loans | 0.3596% | 1,140 |
| Credit loss provision to net charge-offs | 109.7561% | 1,829 |
| Earnings coverage of net charge-offs (x) | 8.2561% | 2,519 |
| Efficiency ratio | 52.8223% | 6,006 |
| Assets per employee ($millions) | 6.6526% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 2,277 |
| Loan loss allowance to noncurrent loans | 159.2025% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7115% | 3,848 |
| Noncurrent loans to loans | 1.0390% | 3,157 |
| Net loans and leases to total assets | 57.9781% | 3,999 |
| Net loans and leases to deposits | 64.3878% | 4,459 |
| Net loans and leases to core deposits | 70.7514% | 4,184 |
| Total domestic deposits to total assets | 90.0452% | 784 |
| Equity capital to assets | 9.7769% | 4,394 |
| Core capital (leverage) ratio | 9.4945% | 4,338 |
| Tier 1 risk-based capital ratio | 13.8355% | 4,361 |
| Total risk-based capital ratio | 15.0871% | 4,313 |
| Memoranda: | ||
| Average total assets | $161,395,000 | 3,515 |
| Average earning assets | $149,722,670 | 3,489 |
| Average equity | $13,816,330 | 4,076 |
| Average total loans | $91,223,670 | 3,661 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 3,056 |
| Cost of funding earning assets | 0.6942% | 1,285 |
| Net interest margin | 3.4603% | 3,857 |
| Noninterest income to average assets | 0.2687% | 5,217 |
| Noninterest expense to average assets | 2.0066% | 5,871 |
| Loan and lease loss provision to assets | 0.2219% | 1,019 |
| Net operating income to assets | 0.9121% | 2,594 |
| Return on assets (ROA) | 0.9121% | 2,666 |
| Pretax return on assets | 1.2474% | 2,289 |
| Return on Equity (ROE) | 11.4556% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.4556% | 681 |
| Net charge-offs to loans | 0.4055% | 895 |
| Credit loss provision to net charge-offs | 98.9011% | 1,714 |
| Earnings coverage of net charge-offs (x) | 6.5495% | 2,212 |
| Efficiency ratio | 57.7305% | 5,677 |
| Assets per employee ($millions) | 6.7400% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 2,334 |
| Loan loss allowance to noncurrent loans | 172.0670% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 4,172 |
| Noncurrent loans to loans | 0.9913% | 3,438 |
| Net loans and leases to total assets | 54.8618% | 4,295 |
| Net loans and leases to deposits | 59.8246% | 4,780 |
| Net loans and leases to core deposits | 65.9687% | 4,490 |
| Total domestic deposits to total assets | 91.7044% | 327 |
| Equity capital to assets | 8.1249% | 5,960 |
| Core capital (leverage) ratio | 8.0674% | 6,071 |
| Tier 1 risk-based capital ratio | 12.1346% | 5,550 |
| Total risk-based capital ratio | 13.3867% | 5,477 |
| Memoranda: | ||
| Average total assets | $162,261,500 | 3,528 |
| Average earning assets | $150,390,500 | 3,503 |
| Average equity | $12,919,500 | 4,253 |
| Average total loans | $89,772,500 | 3,702 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 2,335 |
| Cost of funding earning assets | 0.7878% | 1,275 |
| Net interest margin | 3.6797% | 3,134 |
| Noninterest income to average assets | 0.2895% | 5,288 |
| Noninterest expense to average assets | 1.9223% | 6,157 |
| Loan and lease loss provision to assets | 0.2128% | 1,725 |
| Net operating income to assets | 1.1467% | 1,769 |
| Return on assets (ROA) | 1.1279% | 1,905 |
| Pretax return on assets | 1.5412% | 1,321 |
| Return on Equity (ROE) | 13.8478% | 982 |
| Retained earnings to average equity (ytd only) | 9.3744% | 683 |
| Net charge-offs to loans | 0.1789% | 3,034 |
| Credit loss provision to net charge-offs | 204.9689% | 1,120 |
| Earnings coverage of net charge-offs (x) | 17.1429% | 1,736 |
| Efficiency ratio | 51.9248% | 6,303 |
| Assets per employee ($millions) | 6.7818% | 860 |
| Cash dividends to net income (ytd only)* | 32.3042% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 2,320 |
| Loan loss allowance to noncurrent loans | 151.9724% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 4,275 |
| Noncurrent loans to loans | 1.1360% | 3,269 |
| Net loans and leases to total assets | 53.8940% | 4,591 |
| Net loans and leases to deposits | 58.4891% | 5,078 |
| Net loans and leases to core deposits | 62.3509% | 5,027 |
| Total domestic deposits to total assets | 92.1437% | 258 |
| Equity capital to assets | 7.8003% | 6,135 |
| Core capital (leverage) ratio | 8.0651% | 6,084 |
| Tier 1 risk-based capital ratio | 11.9066% | 5,670 |
| Total risk-based capital ratio | 13.1587% | 5,604 |
| Memoranda: | ||
| Average total assets | $155,072,000 | 3,625 |
| Average earning assets | $143,815,000 | 3,605 |
| Average equity | $12,630,200 | 4,327 |
| Average total loans | $90,014,400 | 3,692 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5456% | 2,055 |
| Cost of funding earning assets | 0.8131% | 1,258 |
| Net interest margin | 3.7325% | 2,911 |
| Noninterest income to average assets | 0.2951% | 5,338 |
| Noninterest expense to average assets | 1.8561% | 6,246 |
| Loan and lease loss provision to assets | 0.2351% | 1,537 |
| Net operating income to assets | 1.1910% | 1,667 |
| Return on assets (ROA) | 1.1953% | 1,725 |
| Pretax return on assets | 1.6750% | 1,156 |
| Return on Equity (ROE) | 14.5129% | 887 |
| Retained earnings to average equity (ytd only) | 14.5129% | 229 |
| Net charge-offs to loans | 0.1582% | 2,970 |
| Credit loss provision to net charge-offs | 252.3364% | 974 |
| Earnings coverage of net charge-offs (x) | 20.4397% | 1,591 |
| Efficiency ratio | 49.3633% | 6,436 |
| Assets per employee ($millions) | 6.2538% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 2,979 |
| Loan loss allowance to noncurrent loans | 194.0582% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 4,711 |
| Noncurrent loans to loans | 0.8275% | 4,178 |
| Net loans and leases to total assets | 62.6660% | 3,227 |
| Net loans and leases to deposits | 68.7825% | 3,962 |
| Net loans and leases to core deposits | 74.2880% | 3,807 |
| Total domestic deposits to total assets | 91.1074% | 484 |
| Equity capital to assets | 8.7047% | 5,513 |
| Core capital (leverage) ratio | 8.5906% | 5,671 |
| Tier 1 risk-based capital ratio | 11.8870% | 5,846 |
| Total risk-based capital ratio | 13.1389% | 5,789 |
| Memoranda: | ||
| Average total assets | $153,149,500 | 3,689 |
| Average earning assets | $142,169,500 | 3,666 |
| Average equity | $12,613,750 | 4,378 |
| Average total loans | $90,203,000 | 3,708 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 2,448 |
| Cost of funding earning assets | 0.8135% | 1,342 |
| Net interest margin | 3.6194% | 3,284 |
| Noninterest income to average assets | 0.2958% | 5,335 |
| Noninterest expense to average assets | 1.8473% | 6,296 |
| Loan and lease loss provision to assets | 0.2335% | 1,599 |
| Net operating income to assets | 1.1313% | 1,810 |
| Return on assets (ROA) | 1.1948% | 1,715 |
| Pretax return on assets | 1.6683% | 1,189 |
| Return on Equity (ROE) | 14.7794% | 850 |
| Retained earnings to average equity (ytd only) | 14.7794% | 250 |
| Net charge-offs to loans | 0.0249% | 4,351 |
| Credit loss provision to net charge-offs | 1,636.3636% | 195 |
| Earnings coverage of net charge-offs (x) | 127.0909% | 383 |
| Efficiency ratio | 50.4607% | 6,393 |
| Assets per employee ($millions) | 6.3293% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 3,041 |
| Loan loss allowance to noncurrent loans | 125.1828% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.8617% | 4,088 |
| Noncurrent loans to loans | 1.3030% | 3,378 |
| Net loans and leases to total assets | 61.1807% | 3,449 |
| Net loans and leases to deposits | 66.8349% | 4,167 |
| Net loans and leases to core deposits | 74.2882% | 3,765 |
| Total domestic deposits to total assets | 91.5401% | 363 |
| Equity capital to assets | 8.2809% | 5,986 |
| Core capital (leverage) ratio | 8.1962% | 6,010 |
| Tier 1 risk-based capital ratio | 11.4870% | 6,117 |
| Total risk-based capital ratio | 12.7393% | 6,081 |
| Memoranda: | ||
| Average total assets | $154,169,000 | 3,700 |
| Average earning assets | $143,339,670 | 3,672 |
| Average equity | $12,463,330 | 4,433 |
| Average total loans | $88,407,000 | 3,760 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 3,457 |
| Cost of funding earning assets | 0.8225% | 1,408 |
| Net interest margin | 3.3398% | 4,353 |
| Noninterest income to average assets | 0.3065% | 5,241 |
| Noninterest expense to average assets | 1.8596% | 6,349 |
| Loan and lease loss provision to assets | 0.2318% | 1,577 |
| Net operating income to assets | 0.9821% | 2,309 |
| Return on assets (ROA) | 1.0431% | 2,170 |
| Pretax return on assets | 1.4037% | 1,838 |
| Return on Equity (ROE) | 13.0587% | 1,155 |
| Retained earnings to average equity (ytd only) | 13.0587% | 554 |
| Net charge-offs to loans | -0.0609% | 6,222 |
| Credit loss provision to net charge-offs | -692.3077% | 5,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4906% | 6,191 |
| Assets per employee ($millions) | 6.3598% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 3,066 |
| Loan loss allowance to noncurrent loans | 74.6457% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 3,265 |
| Noncurrent loans to loans | 2.2584% | 2,320 |
| Net loans and leases to total assets | 56.3570% | 4,030 |
| Net loans and leases to deposits | 62.8668% | 4,434 |
| Net loans and leases to core deposits | 68.6880% | 4,222 |
| Total domestic deposits to total assets | 89.6452% | 1,264 |
| Equity capital to assets | 8.1797% | 6,267 |
| Core capital (leverage) ratio | 7.7059% | 6,350 |
| Tier 1 risk-based capital ratio | 11.5548% | 6,150 |
| Total risk-based capital ratio | 12.8071% | 6,122 |
| Memoranda: | ||
| Average total assets | $155,301,500 | 3,721 |
| Average earning assets | $144,438,000 | 3,686 |
| Average equity | $12,405,500 | 4,492 |
| Average total loans | $85,372,000 | 3,858 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 3,305 |
| Cost of funding earning assets | 1.0396% | 1,168 |
| Net interest margin | 3.4842% | 4,566 |
| Noninterest income to average assets | 0.3148% | 5,203 |
| Noninterest expense to average assets | 1.8917% | 6,503 |
| Loan and lease loss provision to assets | 0.2762% | 2,441 |
| Net operating income to assets | 1.0093% | 2,296 |
| Return on assets (ROA) | 1.0798% | 2,198 |
| Pretax return on assets | 1.4540% | 1,839 |
| Return on Equity (ROE) | 12.9286% | 1,247 |
| Retained earnings to average equity (ytd only) | 8.2581% | 1,045 |
| Net charge-offs to loans | 0.3774% | 2,747 |
| Credit loss provision to net charge-offs | 127.3885% | 2,211 |
| Earnings coverage of net charge-offs (x) | 7.5414% | 2,574 |
| Efficiency ratio | 53.6413% | 6,299 |
| Assets per employee ($millions) | 6.5820% | 965 |
| Cash dividends to net income (ytd only)* | 36.1253% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 3,120 |
| Loan loss allowance to noncurrent loans | 82.3529% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.1040% | 3,803 |
| Noncurrent loans to loans | 2.0012% | 2,693 |
| Net loans and leases to total assets | 51.8311% | 4,953 |
| Net loans and leases to deposits | 56.3526% | 5,411 |
| Net loans and leases to core deposits | 60.3452% | 5,332 |
| Total domestic deposits to total assets | 91.9763% | 248 |
| Equity capital to assets | 7.8028% | 6,499 |
| Core capital (leverage) ratio | 7.6769% | 6,419 |
| Tier 1 risk-based capital ratio | 11.5213% | 6,087 |
| Total risk-based capital ratio | 12.7729% | 6,051 |
| Memoranda: | ||
| Average total assets | $144,840,400 | 3,860 |
| Average earning assets | $133,517,600 | 3,832 |
| Average equity | $12,097,200 | 4,552 |
| Average total loans | $83,196,800 | 3,932 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 2,955 |
| Cost of funding earning assets | 1.0811% | 1,139 |
| Net interest margin | 3.5809% | 4,320 |
| Noninterest income to average assets | 0.3249% | 5,184 |
| Noninterest expense to average assets | 1.8131% | 6,666 |
| Loan and lease loss provision to assets | 0.3202% | 2,063 |
| Net operating income to assets | 1.0864% | 2,145 |
| Return on assets (ROA) | 1.1434% | 2,130 |
| Pretax return on assets | 1.5673% | 1,680 |
| Return on Equity (ROE) | 13.4438% | 1,240 |
| Retained earnings to average equity (ytd only) | 13.4438% | 356 |
| Net charge-offs to loans | 0.2933% | 2,970 |
| Credit loss provision to net charge-offs | 185.7923% | 1,492 |
| Earnings coverage of net charge-offs (x) | 10.4974% | 2,181 |
| Efficiency ratio | 50.0520% | 6,587 |
| Assets per employee ($millions) | 6.0720% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6406% | 3,370 |
| Loan loss allowance to noncurrent loans | 85.8929% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.2311% | 3,828 |
| Noncurrent loans to loans | 1.9101% | 2,954 |
| Net loans and leases to total assets | 59.3647% | 3,897 |
| Net loans and leases to deposits | 65.3416% | 4,554 |
| Net loans and leases to core deposits | 71.2535% | 4,343 |
| Total domestic deposits to total assets | 90.8528% | 452 |
| Equity capital to assets | 8.7368% | 6,078 |
| Core capital (leverage) ratio | 8.2854% | 6,036 |
| Tier 1 risk-based capital ratio | 11.4512% | 6,251 |
| Total risk-based capital ratio | 12.7026% | 6,223 |
| Memoranda: | ||
| Average total assets | $141,558,250 | 3,964 |
| Average earning assets | $130,354,500 | 3,929 |
| Average equity | $12,040,000 | 4,608 |
| Average total loans | $83,183,750 | 3,981 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 3,138 |
| Cost of funding earning assets | 1.0985% | 1,227 |
| Net interest margin | 3.5523% | 4,456 |
| Noninterest income to average assets | 0.3296% | 5,190 |
| Noninterest expense to average assets | 1.8663% | 6,660 |
| Loan and lease loss provision to assets | 0.3995% | 1,643 |
| Net operating income to assets | 0.9799% | 2,545 |
| Return on assets (ROA) | 1.0330% | 2,548 |
| Pretax return on assets | 1.4126% | 2,156 |
| Return on Equity (ROE) | 12.2615% | 1,590 |
| Retained earnings to average equity (ytd only) | 12.2615% | 541 |
| Net charge-offs to loans | 0.4731% | 2,172 |
| Credit loss provision to net charge-offs | 145.0777% | 1,911 |
| Earnings coverage of net charge-offs (x) | 6.3161% | 2,661 |
| Efficiency ratio | 51.7610% | 6,519 |
| Assets per employee ($millions) | 6.2804% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 3,577 |
| Loan loss allowance to noncurrent loans | 115.1007% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.9034% | 4,567 |
| Noncurrent loans to loans | 1.3976% | 3,828 |
| Net loans and leases to total assets | 58.0962% | 4,141 |
| Net loans and leases to deposits | 63.6819% | 4,810 |
| Net loans and leases to core deposits | 69.7294% | 4,560 |
| Total domestic deposits to total assets | 91.2288% | 377 |
| Equity capital to assets | 8.4472% | 6,263 |
| Core capital (leverage) ratio | 8.0953% | 6,168 |
| Tier 1 risk-based capital ratio | 11.3328% | 6,325 |
| Total risk-based capital ratio | 12.5847% | 6,295 |
| Memoranda: | ||
| Average total assets | $140,168,330 | 4,005 |
| Average earning assets | $129,268,670 | 3,972 |
| Average equity | $11,809,330 | 4,651 |
| Average total loans | $81,593,670 | 4,051 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 3,021 |
| Cost of funding earning assets | 1.1302% | 1,252 |
| Net interest margin | 3.5789% | 4,356 |
| Noninterest income to average assets | 0.3362% | 5,170 |
| Noninterest expense to average assets | 1.8837% | 6,674 |
| Loan and lease loss provision to assets | 0.2608% | 2,367 |
| Net operating income to assets | 1.0927% | 2,124 |
| Return on assets (ROA) | 1.1795% | 1,984 |
| Pretax return on assets | 1.6142% | 1,525 |
| Return on Equity (ROE) | 14.0188% | 1,178 |
| Retained earnings to average equity (ytd only) | 14.0188% | 564 |
| Net charge-offs to loans | 0.1455% | 3,225 |
| Credit loss provision to net charge-offs | 310.3448% | 957 |
| Earnings coverage of net charge-offs (x) | 20.8966% | 1,175 |
| Efficiency ratio | 51.7516% | 6,561 |
| Assets per employee ($millions) | 6.0094% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 3,489 |
| Loan loss allowance to noncurrent loans | 119.3091% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 4,766 |
| Noncurrent loans to loans | 1.3938% | 4,018 |
| Net loans and leases to total assets | 57.6289% | 4,107 |
| Net loans and leases to deposits | 63.2563% | 4,732 |
| Net loans and leases to core deposits | 68.3723% | 4,643 |
| Total domestic deposits to total assets | 91.1038% | 510 |
| Equity capital to assets | 8.5315% | 6,058 |
| Core capital (leverage) ratio | 8.0344% | 6,226 |
| Tier 1 risk-based capital ratio | 11.4789% | 6,295 |
| Total risk-based capital ratio | 12.7303% | 6,278 |
| Memoranda: | ||
| Average total assets | $138,027,500 | 4,072 |
| Average earning assets | $127,415,000 | 4,033 |
| Average equity | $11,613,000 | 4,699 |
| Average total loans | $79,744,500 | 4,128 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8048% | 3,786 |
| Cost of funding earning assets | 1.3337% | 1,327 |
| Net interest margin | 3.4711% | 5,247 |
| Noninterest income to average assets | 0.3115% | 5,316 |
| Noninterest expense to average assets | 1.8585% | 6,877 |
| Loan and lease loss provision to assets | 0.3618% | 2,836 |
| Net operating income to assets | 0.9938% | 2,219 |
| Return on assets (ROA) | 1.0504% | 2,144 |
| Pretax return on assets | 1.4000% | 1,793 |
| Return on Equity (ROE) | 12.7785% | 1,210 |
| Retained earnings to average equity (ytd only) | 7.5429% | 1,258 |
| Net charge-offs to loans | 0.5663% | 2,757 |
| Credit loss provision to net charge-offs | 108.6957% | 3,101 |
| Earnings coverage of net charge-offs (x) | 5.0664% | 2,907 |
| Efficiency ratio | 52.4280% | 6,669 |
| Assets per employee ($millions) | 6.5637% | 923 |
| Cash dividends to net income (ytd only)* | 40.9717% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 3,423 |
| Loan loss allowance to noncurrent loans | 83.5065% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 4,271 |
| Noncurrent loans to loans | 1.9621% | 3,258 |
| Net loans and leases to total assets | 56.0100% | 4,706 |
| Net loans and leases to deposits | 61.2397% | 5,344 |
| Net loans and leases to core deposits | 67.3204% | 5,118 |
| Total domestic deposits to total assets | 91.4603% | 341 |
| Equity capital to assets | 8.2952% | 6,357 |
| Core capital (leverage) ratio | 7.8066% | 6,436 |
| Tier 1 risk-based capital ratio | 11.4291% | 6,202 |
| Total risk-based capital ratio | 12.6809% | 6,191 |
| Memoranda: | ||
| Average total assets | $131,285,600 | 4,142 |
| Average earning assets | $122,294,600 | 4,087 |
| Average equity | $10,791,600 | 4,831 |
| Average total loans | $77,167,000 | 4,237 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 3,906 |
| Cost of funding earning assets | 1.3654% | 1,393 |
| Net interest margin | 3.4604% | 5,357 |
| Noninterest income to average assets | 0.3157% | 5,337 |
| Noninterest expense to average assets | 1.8120% | 6,982 |
| Loan and lease loss provision to assets | 0.3959% | 2,482 |
| Net operating income to assets | 0.9788% | 2,400 |
| Return on assets (ROA) | 1.0531% | 2,270 |
| Pretax return on assets | 1.4439% | 1,806 |
| Return on Equity (ROE) | 12.8426% | 1,320 |
| Retained earnings to average equity (ytd only) | 12.8426% | 396 |
| Net charge-offs to loans | 0.3366% | 3,409 |
| Credit loss provision to net charge-offs | 198.4536% | 1,478 |
| Earnings coverage of net charge-offs (x) | 8.7114% | 2,136 |
| Efficiency ratio | 51.0429% | 6,763 |
| Assets per employee ($millions) | 6.1859% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 3,042 |
| Loan loss allowance to noncurrent loans | 67.9735% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.6982% | 3,544 |
| Noncurrent loans to loans | 2.6029% | 2,667 |
| Net loans and leases to total assets | 61.5013% | 3,850 |
| Net loans and leases to deposits | 68.2797% | 4,556 |
| Net loans and leases to core deposits | 73.1645% | 4,567 |
| Total domestic deposits to total assets | 90.0726% | 826 |
| Equity capital to assets | 9.0090% | 5,749 |
| Core capital (leverage) ratio | 8.3807% | 5,883 |
| Tier 1 risk-based capital ratio | 11.5494% | 6,215 |
| Total risk-based capital ratio | 12.8026% | 6,199 |
| Memoranda: | ||
| Average total assets | $129,647,500 | 4,205 |
| Average earning assets | $121,178,750 | 4,128 |
| Average equity | $10,631,000 | 4,887 |
| Average total loans | $76,836,500 | 4,285 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7485% | 4,310 |
| Cost of funding earning assets | 1.3871% | 1,469 |
| Net interest margin | 3.3614% | 5,676 |
| Noninterest income to average assets | 0.3118% | 5,401 |
| Noninterest expense to average assets | 1.8617% | 6,993 |
| Loan and lease loss provision to assets | 0.4091% | 2,387 |
| Net operating income to assets | 0.8720% | 2,759 |
| Return on assets (ROA) | 0.9632% | 2,481 |
| Pretax return on assets | 1.3121% | 2,097 |
| Return on Equity (ROE) | 12.1476% | 1,452 |
| Retained earnings to average equity (ytd only) | 12.1476% | 503 |
| Net charge-offs to loans | 0.2602% | 3,588 |
| Credit loss provision to net charge-offs | 270.4082% | 1,124 |
| Earnings coverage of net charge-offs (x) | 10.5510% | 1,793 |
| Efficiency ratio | 53.8393% | 6,633 |
| Assets per employee ($millions) | 6.2141% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7885% | 3,031 |
| Loan loss allowance to noncurrent loans | 70.2085% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.5433% | 3,884 |
| Noncurrent loans to loans | 2.5474% | 2,837 |
| Net loans and leases to total assets | 59.5002% | 4,377 |
| Net loans and leases to deposits | 65.0057% | 5,151 |
| Net loans and leases to core deposits | 71.3094% | 4,913 |
| Total domestic deposits to total assets | 91.5308% | 333 |
| Equity capital to assets | 8.2523% | 6,467 |
| Core capital (leverage) ratio | 8.0229% | 6,272 |
| Tier 1 risk-based capital ratio | 11.3263% | 6,301 |
| Total risk-based capital ratio | 12.5796% | 6,289 |
| Memoranda: | ||
| Average total assets | $129,562,330 | 4,239 |
| Average earning assets | $121,259,330 | 4,162 |
| Average equity | $10,273,670 | 4,978 |
| Average total loans | $75,338,330 | 4,374 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7063% | 4,493 |
| Cost of funding earning assets | 1.4030% | 1,597 |
| Net interest margin | 3.3033% | 5,765 |
| Noninterest income to average assets | 0.3129% | 5,426 |
| Noninterest expense to average assets | 1.8963% | 6,993 |
| Loan and lease loss provision to assets | 0.5422% | 1,600 |
| Net operating income to assets | 0.7482% | 3,283 |
| Return on assets (ROA) | 0.8118% | 3,032 |
| Pretax return on assets | 1.0659% | 2,880 |
| Return on Equity (ROE) | 10.4528% | 1,929 |
| Retained earnings to average equity (ytd only) | 10.4528% | 1,007 |
| Net charge-offs to loans | 0.2504% | 3,084 |
| Credit loss provision to net charge-offs | 380.4348% | 869 |
| Earnings coverage of net charge-offs (x) | 10.6957% | 1,613 |
| Efficiency ratio | 55.4348% | 6,567 |
| Assets per employee ($millions) | 6.1151% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8560% | 2,836 |
| Loan loss allowance to noncurrent loans | 114.0845% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 5,008 |
| Noncurrent loans to loans | 1.6269% | 4,037 |
| Net loans and leases to total assets | 56.7008% | 4,870 |
| Net loans and leases to deposits | 61.6864% | 5,544 |
| Net loans and leases to core deposits | 67.9787% | 5,292 |
| Total domestic deposits to total assets | 91.9178% | 306 |
| Equity capital to assets | 7.9047% | 6,594 |
| Core capital (leverage) ratio | 7.8739% | 6,391 |
| Tier 1 risk-based capital ratio | 11.5292% | 6,077 |
| Total risk-based capital ratio | 12.7834% | 6,058 |
| Memoranda: | ||
| Average total assets | $129,095,000 | 4,275 |
| Average earning assets | $121,455,000 | 4,187 |
| Average equity | $10,026,000 | 5,047 |
| Average total loans | $73,477,500 | 4,490 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0166% | 4,473 |
| Cost of funding earning assets | 1.6989% | 1,605 |
| Net interest margin | 3.3177% | 5,919 |
| Noninterest income to average assets | 0.3859% | 5,013 |
| Noninterest expense to average assets | 2.0103% | 7,004 |
| Loan and lease loss provision to assets | 0.3585% | 3,970 |
| Net operating income to assets | 0.8494% | 2,592 |
| Return on assets (ROA) | 0.9083% | 2,490 |
| Pretax return on assets | 1.1989% | 2,229 |
| Return on Equity (ROE) | 11.2538% | 1,513 |
| Retained earnings to average equity (ytd only) | 5.6019% | 2,058 |
| Net charge-offs to loans | 0.3589% | 4,225 |
| Credit loss provision to net charge-offs | 171.4286% | 1,969 |
| Earnings coverage of net charge-offs (x) | 7.0772% | 2,204 |
| Efficiency ratio | 57.5989% | 6,385 |
| Assets per employee ($millions) | 5.8987% | 1,284 |
| Cash dividends to net income (ytd only)* | 50.2222% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7151% | 3,156 |
| Loan loss allowance to noncurrent loans | 81.3559% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1821% | 4,649 |
| Noncurrent loans to loans | 2.1082% | 3,426 |
| Net loans and leases to total assets | 55.1090% | 5,471 |
| Net loans and leases to deposits | 59.7286% | 6,086 |
| Net loans and leases to core deposits | 64.5859% | 6,010 |
| Total domestic deposits to total assets | 92.2657% | 224 |
| Equity capital to assets | 7.6295% | 6,795 |
| Core capital (leverage) ratio | 7.7841% | 6,451 |
| Tier 1 risk-based capital ratio | 11.4560% | 5,944 |
| Total risk-based capital ratio | 12.7085% | 5,941 |
| Memoranda: | ||
| Average total assets | $123,862,800 | 4,405 |
| Average earning assets | $115,895,200 | 4,322 |
| Average equity | $9,996,600 | 5,139 |
| Average total loans | $72,159,400 | 4,602 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1120% | 4,256 |
| Cost of funding earning assets | 1.7612% | 1,581 |
| Net interest margin | 3.3508% | 5,843 |
| Noninterest income to average assets | 0.4096% | 4,881 |
| Noninterest expense to average assets | 1.9817% | 7,083 |
| Loan and lease loss provision to assets | 0.3159% | 4,052 |
| Net operating income to assets | 0.8986% | 2,613 |
| Return on assets (ROA) | 0.9739% | 2,438 |
| Pretax return on assets | 1.3444% | 2,052 |
| Return on Equity (ROE) | 11.8953% | 1,537 |
| Retained earnings to average equity (ytd only) | 11.8953% | 474 |
| Net charge-offs to loans | 0.4610% | 3,445 |
| Credit loss provision to net charge-offs | 116.4659% | 3,577 |
| Earnings coverage of net charge-offs (x) | 5.7350% | 2,687 |
| Efficiency ratio | 56.0209% | 6,555 |
| Assets per employee ($millions) | 5.4934% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 4,007 |
| Loan loss allowance to noncurrent loans | 105.6405% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.8655% | 5,365 |
| Noncurrent loans to loans | 1.4114% | 4,498 |
| Net loans and leases to total assets | 60.4084% | 4,833 |
| Net loans and leases to deposits | 66.4120% | 5,623 |
| Net loans and leases to core deposits | 72.3663% | 5,471 |
| Total domestic deposits to total assets | 90.9602% | 467 |
| Equity capital to assets | 8.7254% | 5,975 |
| Core capital (leverage) ratio | 8.4314% | 5,641 |
| Tier 1 risk-based capital ratio | 11.8021% | 5,633 |
| Total risk-based capital ratio | 13.0523% | 5,615 |
| Memoranda: | ||
| Average total assets | $122,385,500 | 4,496 |
| Average earning assets | $114,238,000 | 4,422 |
| Average equity | $10,020,500 | 5,190 |
| Average total loans | $72,008,250 | 4,681 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0897% | 4,511 |
| Cost of funding earning assets | 1.7732% | 1,748 |
| Net interest margin | 3.3165% | 5,956 |
| Noninterest income to average assets | 0.4036% | 4,888 |
| Noninterest expense to average assets | 2.0098% | 7,092 |
| Loan and lease loss provision to assets | 0.2929% | 4,040 |
| Net operating income to assets | 0.8640% | 2,677 |
| Return on assets (ROA) | 0.9764% | 2,357 |
| Pretax return on assets | 1.3556% | 1,933 |
| Return on Equity (ROE) | 12.1881% | 1,406 |
| Retained earnings to average equity (ytd only) | 12.1881% | 465 |
| Net charge-offs to loans | 0.2608% | 4,041 |
| Credit loss provision to net charge-offs | 193.5484% | 2,035 |
| Earnings coverage of net charge-offs (x) | 9.8602% | 1,966 |
| Efficiency ratio | 57.3885% | 6,464 |
| Assets per employee ($millions) | 5.5393% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 3,850 |
| Loan loss allowance to noncurrent loans | 103.3243% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 5,293 |
| Noncurrent loans to loans | 1.4653% | 4,513 |
| Net loans and leases to total assets | 61.3840% | 4,802 |
| Net loans and leases to deposits | 67.1421% | 5,664 |
| Net loans and leases to core deposits | 74.1716% | 5,426 |
| Total domestic deposits to total assets | 91.4240% | 353 |
| Equity capital to assets | 8.3331% | 6,380 |
| Core capital (leverage) ratio | 8.1219% | 6,083 |
| Tier 1 risk-based capital ratio | 11.3093% | 5,934 |
| Total risk-based capital ratio | 12.5603% | 5,917 |
| Memoranda: | ||
| Average total assets | $122,896,000 | 4,504 |
| Average earning assets | $114,819,330 | 4,438 |
| Average equity | $9,845,670 | 5,249 |
| Average total loans | $71,307,330 | 4,742 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8952% | 5,480 |
| Cost of funding earning assets | 1.7275% | 2,247 |
| Net interest margin | 3.1677% | 6,392 |
| Noninterest income to average assets | 0.4084% | 4,839 |
| Noninterest expense to average assets | 1.9933% | 7,172 |
| Loan and lease loss provision to assets | 0.2917% | 3,686 |
| Net operating income to assets | 0.7807% | 3,055 |
| Return on assets (ROA) | 1.0048% | 2,228 |
| Pretax return on assets | 1.4002% | 1,778 |
| Return on Equity (ROE) | 12.7954% | 1,299 |
| Retained earnings to average equity (ytd only) | 12.7954% | 649 |
| Net charge-offs to loans | 0.1044% | 4,376 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,046 |
| Efficiency ratio | 59.0778% | 6,327 |
| Assets per employee ($millions) | 5.7872% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 3,496 |
| Loan loss allowance to noncurrent loans | 92.5020% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 5,133 |
| Noncurrent loans to loans | 1.7191% | 4,163 |
| Net loans and leases to total assets | 57.7943% | 5,477 |
| Net loans and leases to deposits | 63.0537% | 6,165 |
| Net loans and leases to core deposits | 70.8301% | 5,842 |
| Total domestic deposits to total assets | 91.6589% | 331 |
| Equity capital to assets | 8.0572% | 6,594 |
| Core capital (leverage) ratio | 7.9572% | 6,300 |
| Tier 1 risk-based capital ratio | 11.4081% | 5,754 |
| Total risk-based capital ratio | 12.6594% | 5,732 |
| Memoranda: | ||
| Average total assets | $123,412,000 | 4,554 |
| Average earning assets | $115,541,500 | 4,480 |
| Average equity | $9,691,000 | 5,323 |
| Average total loans | $68,983,500 | 4,898 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5346% | 3,961 |
| Cost of funding earning assets | 1.9565% | 3,180 |
| Net interest margin | 3.5781% | 4,626 |
| Noninterest income to average assets | 0.4489% | 4,822 |
| Noninterest expense to average assets | 2.0282% | 7,323 |
| Loan and lease loss provision to assets | 0.7525% | 2,854 |
| Net operating income to assets | 0.7994% | 2,542 |
| Return on assets (ROA) | 0.8321% | 2,491 |
| Pretax return on assets | 1.0657% | 2,356 |
| Return on Equity (ROE) | 9.9508% | 1,710 |
| Retained earnings to average equity (ytd only) | 4.4575% | 2,133 |
| Net charge-offs to loans | 1.0364% | 2,341 |
| Credit loss provision to net charge-offs | 123.9193% | 4,245 |
| Earnings coverage of net charge-offs (x) | 2.9251% | 3,621 |
| Efficiency ratio | 53.3119% | 7,291 |
| Assets per employee ($millions) | 5.9663% | 1,271 |
| Cash dividends to net income (ytd only)* | 55.2050% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 3,295 |
| Loan loss allowance to noncurrent loans | 149.0884% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.5691% | 6,041 |
| Noncurrent loans to loans | 1.0707% | 5,177 |
| Net loans and leases to total assets | 52.3022% | 6,389 |
| Net loans and leases to deposits | 56.7407% | 6,875 |
| Net loans and leases to core deposits | 69.3817% | 6,807 |
| Total domestic deposits to total assets | 92.1775% | 233 |
| Equity capital to assets | 7.6541% | 6,897 |
| Core capital (leverage) ratio | 8.0193% | 6,145 |
| Tier 1 risk-based capital ratio | 11.4516% | 5,453 |
| Total risk-based capital ratio | 12.7026% | 5,411 |
| Memoranda: | ||
| Average total assets | $114,287,200 | 4,712 |
| Average earning assets | $107,180,800 | 4,651 |
| Average equity | $9,557,000 | 5,427 |
| Average total loans | $66,960,800 | 4,984 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7037% | 3,322 |
| Cost of funding earning assets | 2.0202% | 3,249 |
| Net interest margin | 3.6835% | 4,146 |
| Noninterest income to average assets | 0.4662% | 4,775 |
| Noninterest expense to average assets | 1.9736% | 7,432 |
| Loan and lease loss provision to assets | 0.9085% | 2,111 |
| Net operating income to assets | 0.7821% | 2,889 |
| Return on assets (ROA) | 0.8224% | 2,776 |
| Pretax return on assets | 1.0926% | 2,605 |
| Return on Equity (ROE) | 9.6066% | 2,064 |
| Retained earnings to average equity (ytd only) | 9.6066% | 705 |
| Net charge-offs to loans | 1.1354% | 1,771 |
| Credit loss provision to net charge-offs | 133.0998% | 3,752 |
| Earnings coverage of net charge-offs (x) | 2.8529% | 3,796 |
| Efficiency ratio | 50.3354% | 7,530 |
| Assets per employee ($millions) | 5.3500% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,104 |
| Loan loss allowance to noncurrent loans | 81.3483% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.1883% | 4,694 |
| Noncurrent loans to loans | 1.9359% | 3,723 |
| Net loans and leases to total assets | 60.4139% | 5,518 |
| Net loans and leases to deposits | 66.4998% | 6,262 |
| Net loans and leases to core deposits | 85.2744% | 5,943 |
| Total domestic deposits to total assets | 90.8482% | 469 |
| Equity capital to assets | 8.8055% | 5,782 |
| Core capital (leverage) ratio | 8.5850% | 5,322 |
| Tier 1 risk-based capital ratio | 11.9024% | 5,058 |
| Total risk-based capital ratio | 13.1532% | 4,999 |
| Memoranda: | ||
| Average total assets | $111,535,750 | 4,815 |
| Average earning assets | $104,608,000 | 4,753 |
| Average equity | $9,548,750 | 5,474 |
| Average total loans | $67,052,500 | 5,017 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7096% | 3,482 |
| Cost of funding earning assets | 2.0263% | 3,651 |
| Net interest margin | 3.6833% | 4,026 |
| Noninterest income to average assets | 0.4602% | 4,776 |
| Noninterest expense to average assets | 2.0024% | 7,459 |
| Loan and lease loss provision to assets | 1.0965% | 1,562 |
| Net operating income to assets | 0.6392% | 3,510 |
| Return on assets (ROA) | 0.6938% | 3,393 |
| Pretax return on assets | 0.8916% | 3,372 |
| Return on Equity (ROE) | 8.1832% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.1832% | 1,159 |
| Net charge-offs to loans | 1.2828% | 1,444 |
| Credit loss provision to net charge-offs | 143.1925% | 3,242 |
| Earnings coverage of net charge-offs (x) | 2.5047% | 3,813 |
| Efficiency ratio | 51.0775% | 7,588 |
| Assets per employee ($millions) | 5.3847% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 2,836 |
| Loan loss allowance to noncurrent loans | 72.3077% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.5794% | 3,849 |
| Noncurrent loans to loans | 2.1810% | 3,280 |
| Net loans and leases to total assets | 59.6632% | 5,738 |
| Net loans and leases to deposits | 65.4349% | 6,442 |
| Net loans and leases to core deposits | 83.2092% | 6,144 |
| Total domestic deposits to total assets | 91.1795% | 412 |
| Equity capital to assets | 8.4800% | 6,077 |
| Core capital (leverage) ratio | 8.3719% | 5,673 |
| Tier 1 risk-based capital ratio | 11.8181% | 5,086 |
| Total risk-based capital ratio | 13.0276% | 5,040 |
| Memoranda: | ||
| Average total assets | $111,264,330 | 4,849 |
| Average earning assets | $104,526,330 | 4,773 |
| Average equity | $9,434,000 | 5,531 |
| Average total loans | $66,416,330 | 5,089 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8281% | 3,152 |
| Cost of funding earning assets | 2.0660% | 3,806 |
| Net interest margin | 3.7621% | 3,610 |
| Noninterest income to average assets | 0.4676% | 4,612 |
| Noninterest expense to average assets | 1.9863% | 7,384 |
| Loan and lease loss provision to assets | 0.3625% | 3,147 |
| Net operating income to assets | 1.1994% | 1,652 |
| Return on assets (ROA) | 1.2360% | 1,651 |
| Pretax return on assets | 1.7072% | 1,165 |
| Return on Equity (ROE) | 14.5781% | 1,058 |
| Retained earnings to average equity (ytd only) | 14.5781% | 462 |
| Net charge-offs to loans | 0.5264% | 2,140 |
| Credit loss provision to net charge-offs | 116.2791% | 3,351 |
| Earnings coverage of net charge-offs (x) | 6.4767% | 2,492 |
| Efficiency ratio | 49.5928% | 7,612 |
| Assets per employee ($millions) | 5.3291% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 3,686 |
| Loan loss allowance to noncurrent loans | 82.2202% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.2501% | 4,181 |
| Noncurrent loans to loans | 1.6654% | 3,771 |
| Net loans and leases to total assets | 58.6345% | 5,853 |
| Net loans and leases to deposits | 64.3955% | 6,518 |
| Net loans and leases to core deposits | 81.2136% | 6,296 |
| Total domestic deposits to total assets | 91.0537% | 401 |
| Equity capital to assets | 8.5567% | 5,979 |
| Core capital (leverage) ratio | 8.3906% | 5,729 |
| Tier 1 risk-based capital ratio | 12.0810% | 4,898 |
| Total risk-based capital ratio | 13.2814% | 4,825 |
| Memoranda: | ||
| Average total assets | $110,357,500 | 4,893 |
| Average earning assets | $103,773,000 | 4,812 |
| Average equity | $9,356,500 | 5,579 |
| Average total loans | $65,351,000 | 5,159 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3634% | 3,619 |
| Cost of funding earning assets | 2.4468% | 4,495 |
| Net interest margin | 3.9166% | 3,490 |
| Noninterest income to average assets | 0.4192% | 5,307 |
| Noninterest expense to average assets | 2.0022% | 7,439 |
| Loan and lease loss provision to assets | 0.3246% | 3,784 |
| Net operating income to assets | 1.2585% | 1,610 |
| Return on assets (ROA) | 1.2585% | 1,553 |
| Pretax return on assets | 1.7249% | 1,091 |
| Return on Equity (ROE) | 15.2544% | 889 |
| Retained earnings to average equity (ytd only) | 7.6665% | 938 |
| Net charge-offs to loans | 0.2854% | 3,496 |
| Credit loss provision to net charge-offs | 195.5307% | 2,510 |
| Earnings coverage of net charge-offs (x) | 12.3464% | 2,257 |
| Efficiency ratio | 49.4163% | 7,700 |
| Assets per employee ($millions) | 5.1811% | 1,744 |
| Cash dividends to net income (ytd only)* | 49.7421% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 3,211 |
| Loan loss allowance to noncurrent loans | 107.2967% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.0367% | 4,229 |
| Noncurrent loans to loans | 1.3027% | 3,905 |
| Net loans and leases to total assets | 58.1556% | 6,179 |
| Net loans and leases to deposits | 63.6275% | 6,831 |
| Net loans and leases to core deposits | 76.6719% | 6,822 |
| Total domestic deposits to total assets | 91.4001% | 221 |
| Equity capital to assets | 8.3977% | 6,260 |
| Core capital (leverage) ratio | 8.1167% | 6,301 |
| Tier 1 risk-based capital ratio | 11.6169% | 5,142 |
| Total risk-based capital ratio | 12.7972% | 5,086 |
| Memoranda: | ||
| Average total assets | $107,829,600 | 4,837 |
| Average earning assets | $100,010,200 | 4,804 |
| Average equity | $8,895,800 | 5,774 |
| Average total loans | $62,729,800 | 5,149 |