Home > Tensas State Bank > Performance and Condition Ratios
Tensas 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 | 5.2915% | 1,507 |
| Cost of funding earning assets | 1.9328% | 1,020 |
| Net interest margin | 3.3587% | 2,499 |
| Noninterest income to average assets | 2.4100% | 225 |
| Noninterest expense to average assets | 2.8625% | 1,361 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 2.3355% | 288 |
| Return on assets (ROA) | 2.3355% | 281 |
| Pretax return on assets | 2.3355% | 411 |
| Return on Equity (ROE) | 22.7600% | 412 |
| Retained earnings to average equity (ytd only) | 1.1825% | 3,790 |
| Net charge-offs to loans | 0.4960% | 206 |
| Credit loss provision to net charge-offs | 111.4398% | 1,749 |
| Earnings coverage of net charge-offs (x) | 9.2781% | 2,302 |
| Efficiency ratio | 51.8871% | 3,844 |
| Assets per employee ($millions) | 7.0470% | 2,042 |
| Cash dividends to net income (ytd only)* | 94.8055% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,349 |
| Loan loss allowance to noncurrent loans | 62.8068% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0807% | 433 |
| Noncurrent loans to loans | 1.8966% | 307 |
| Net loans and leases to total assets | 55.4200% | 3,241 |
| Net loans and leases to deposits | 64.6282% | 3,258 |
| Net loans and leases to core deposits | 72.8849% | 3,131 |
| Total domestic deposits to total assets | 85.7500% | 2,088 |
| Equity capital to assets | 10.6406% | 1,657 |
| Core capital (leverage) ratio | 13.2795% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $177,221,600 | 3,149 |
| Average earning assets | $164,111,600 | 3,142 |
| Average equity | $18,181,600 | 2,994 |
| Average total loans | $102,218,200 | 3,155 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2330% | 1,393 |
| Cost of funding earning assets | 1.8333% | 955 |
| Net interest margin | 3.3997% | 2,457 |
| Noninterest income to average assets | 2.8600% | 204 |
| Noninterest expense to average assets | 2.8246% | 1,381 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 3.0703% | 168 |
| Return on assets (ROA) | 3.0703% | 170 |
| Pretax return on assets | 3.0703% | 220 |
| Return on Equity (ROE) | 30.2100% | 221 |
| Retained earnings to average equity (ytd only) | 14.7295% | 588 |
| Net charge-offs to loans | 0.2755% | 312 |
| Credit loss provision to net charge-offs | 70.4225% | 1,808 |
| Earnings coverage of net charge-offs (x) | 19.8920% | 1,820 |
| Efficiency ratio | 47.0176% | 4,088 |
| Assets per employee ($millions) | 7.0106% | 1,955 |
| Cash dividends to net income (ytd only)* | 51.2356% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,296 |
| Loan loss allowance to noncurrent loans | 65.6735% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 602 |
| Noncurrent loans to loans | 1.5445% | 461 |
| Net loans and leases to total assets | 56.6400% | 3,143 |
| Net loans and leases to deposits | 65.4274% | 3,183 |
| Net loans and leases to core deposits | 75.5230% | 2,897 |
| Total domestic deposits to total assets | 86.5800% | 2,019 |
| Equity capital to assets | 10.0003% | 1,832 |
| Core capital (leverage) ratio | 13.9931% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $177,483,500 | 3,152 |
| Average earning assets | $164,286,250 | 3,153 |
| Average equity | $18,040,500 | 3,006 |
| Average total loans | $103,071,000 | 3,143 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0525% | 1,460 |
| Cost of funding earning assets | 1.6226% | 1,012 |
| Net interest margin | 3.4298% | 2,446 |
| Noninterest income to average assets | 2.0100% | 240 |
| Noninterest expense to average assets | 2.9280% | 1,159 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 2.0809% | 416 |
| Return on assets (ROA) | 2.0809% | 411 |
| Pretax return on assets | 2.0809% | 646 |
| Return on Equity (ROE) | 20.3600% | 671 |
| Retained earnings to average equity (ytd only) | 8.1322% | 1,920 |
| Net charge-offs to loans | 0.2533% | 329 |
| Credit loss provision to net charge-offs | 115.3846% | 1,347 |
| Earnings coverage of net charge-offs (x) | 15.2308% | 1,860 |
| Efficiency ratio | 56.5313% | 3,351 |
| Assets per employee ($millions) | 7.2678% | 1,734 |
| Cash dividends to net income (ytd only)* | 60.0546% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,147 |
| Loan loss allowance to noncurrent loans | 74.3974% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 593 |
| Noncurrent loans to loans | 1.4225% | 485 |
| Net loans and leases to total assets | 58.7600% | 2,889 |
| Net loans and leases to deposits | 71.9574% | 2,652 |
| Net loans and leases to core deposits | 85.1271% | 2,139 |
| Total domestic deposits to total assets | 81.6600% | 3,301 |
| Equity capital to assets | 10.0371% | 1,833 |
| Core capital (leverage) ratio | 13.6658% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $175,886,333 | 3,172 |
| Average earning assets | $162,573,667 | 3,169 |
| Average equity | $17,978,000 | 3,024 |
| Average total loans | $102,659,000 | 3,144 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8974% | 1,416 |
| Cost of funding earning assets | 1.2680% | 1,302 |
| Net interest margin | 3.6294% | 2,058 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.5737% | 2,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3574% | 1,519 |
| Return on assets (ROA) | 1.3574% | 1,486 |
| Pretax return on assets | 1.3574% | 1,996 |
| Return on Equity (ROE) | 13.1600% | 1,953 |
| Retained earnings to average equity (ytd only) | -0.9637% | 4,123 |
| Net charge-offs to loans | 0.0320% | 1,076 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 73.3750% | 933 |
| Efficiency ratio | 65.4706% | 2,273 |
| Assets per employee ($millions) | 6.4317% | 2,382 |
| Cash dividends to net income (ytd only)* | 107.3254% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,158 |
| Loan loss allowance to noncurrent loans | 111.0889% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 895 |
| Noncurrent loans to loans | 0.9709% | 765 |
| Net loans and leases to total assets | 58.7300% | 2,795 |
| Net loans and leases to deposits | 69.9957% | 2,612 |
| Net loans and leases to core deposits | 79.8784% | 2,264 |
| Total domestic deposits to total assets | 83.9000% | 3,109 |
| Equity capital to assets | 10.4470% | 1,590 |
| Core capital (leverage) ratio | 13.6846% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $172,981,500 | 3,242 |
| Average earning assets | $160,249,000 | 3,230 |
| Average equity | $17,848,500 | 3,056 |
| Average total loans | $100,033,000 | 3,215 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 1,493 |
| Cost of funding earning assets | 0.4919% | 1,453 |
| Net interest margin | 3.6001% | 1,644 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.5552% | 1,953 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.4208% | 1,074 |
| Return on assets (ROA) | 1.4208% | 1,036 |
| Pretax return on assets | 1.4208% | 1,710 |
| Return on Equity (ROE) | 13.0400% | 1,799 |
| Retained earnings to average equity (ytd only) | 2.5539% | 3,837 |
| Net charge-offs to loans | 0.1080% | 690 |
| Credit loss provision to net charge-offs | 71.4286% | 1,721 |
| Earnings coverage of net charge-offs (x) | 24.5333% | 1,793 |
| Efficiency ratio | 63.5850% | 2,556 |
| Assets per employee ($millions) | 6.8922% | 2,055 |
| Cash dividends to net income (ytd only)* | 80.4078% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 2,613 |
| Loan loss allowance to noncurrent loans | 100.3581% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 523 |
| Noncurrent loans to loans | 1.1520% | 614 |
| Net loans and leases to total assets | 55.6200% | 3,071 |
| Net loans and leases to deposits | 64.0607% | 3,037 |
| Net loans and leases to core deposits | 71.0700% | 2,795 |
| Total domestic deposits to total assets | 86.8300% | 2,450 |
| Equity capital to assets | 10.1883% | 1,618 |
| Core capital (leverage) ratio | 13.4583% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $176,033,600 | 3,224 |
| Average earning assets | $164,858,200 | 3,204 |
| Average equity | $19,186,600 | 3,019 |
| Average total loans | $97,261,600 | 3,190 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 1,612 |
| Cost of funding earning assets | 0.4035% | 1,262 |
| Net interest margin | 3.4481% | 1,815 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.4803% | 2,070 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.3953% | 1,104 |
| Return on assets (ROA) | 1.3953% | 1,073 |
| Pretax return on assets | 1.3953% | 1,733 |
| Return on Equity (ROE) | 12.6000% | 1,836 |
| Retained earnings to average equity (ytd only) | 2.6946% | 3,862 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.3808% | 2,642 |
| Assets per employee ($millions) | 6.9623% | 1,973 |
| Cash dividends to net income (ytd only)* | 78.6177% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 2,982 |
| Loan loss allowance to noncurrent loans | 78.0742% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.0612% | 412 |
| Noncurrent loans to loans | 1.4171% | 502 |
| Net loans and leases to total assets | 59.2500% | 2,581 |
| Net loans and leases to deposits | 67.8242% | 2,545 |
| Net loans and leases to core deposits | 75.8840% | 2,200 |
| Total domestic deposits to total assets | 87.3600% | 2,638 |
| Equity capital to assets | 9.1278% | 2,128 |
| Core capital (leverage) ratio | 13.1528% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $176,965,500 | 3,238 |
| Average earning assets | $166,193,500 | 3,215 |
| Average equity | $19,594,500 | 3,027 |
| Average total loans | $97,335,500 | 3,202 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6293% | 1,750 |
| Cost of funding earning assets | 0.3327% | 1,418 |
| Net interest margin | 3.2966% | 1,918 |
| Noninterest income to average assets | 0.7334% | 1,221 |
| Noninterest expense to average assets | 2.4315% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4054% | 895 |
| Return on assets (ROA) | 1.4054% | 869 |
| Pretax return on assets | 1.4054% | 1,424 |
| Return on Equity (ROE) | 11.9699% | 1,677 |
| Retained earnings to average equity (ytd only) | 4.8986% | 2,740 |
| Net charge-offs to loans | -0.0043% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3719% | 2,853 |
| Assets per employee ($millions) | 6.7206% | 2,153 |
| Cash dividends to net income (ytd only)* | 59.0762% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,069 |
| Loan loss allowance to noncurrent loans | 59.7719% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.1211% | 397 |
| Noncurrent loans to loans | 1.8770% | 355 |
| Net loans and leases to total assets | 58.1546% | 2,517 |
| Net loans and leases to deposits | 67.6657% | 2,416 |
| Net loans and leases to core deposits | 79.8788% | 1,726 |
| Total domestic deposits to total assets | 85.9439% | 3,263 |
| Equity capital to assets | 10.5056% | 1,427 |
| Core capital (leverage) ratio | 13.4085% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,614,333 | 3,282 |
| Average earning assets | $165,320,000 | 3,267 |
| Average equity | $20,618,333 | 3,007 |
| Average total loans | $93,626,667 | 3,281 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4437% | 1,964 |
| Cost of funding earning assets | 0.2940% | 1,708 |
| Net interest margin | 3.1497% | 2,022 |
| Noninterest income to average assets | 0.5362% | 1,965 |
| Noninterest expense to average assets | 2.5401% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9656% | 2,016 |
| Return on assets (ROA) | 0.9656% | 2,014 |
| Pretax return on assets | 0.9656% | 2,553 |
| Return on Equity (ROE) | 7.8165% | 2,750 |
| Retained earnings to average equity (ytd only) | 1.4345% | 3,708 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9501% | 4,662 |
| Assets per employee ($millions) | 6.6527% | 2,260 |
| Cash dividends to net income (ytd only)* | 81.6471% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 2,592 |
| Loan loss allowance to noncurrent loans | 54.2157% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.2453% | 347 |
| Noncurrent loans to loans | 2.3094% | 280 |
| Net loans and leases to total assets | 52.4819% | 2,943 |
| Net loans and leases to deposits | 61.9189% | 2,721 |
| Net loans and leases to core deposits | 68.1302% | 2,444 |
| Total domestic deposits to total assets | 84.7592% | 3,596 |
| Equity capital to assets | 11.7489% | 1,042 |
| Core capital (leverage) ratio | 13.0195% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,053,500 | 3,292 |
| Average earning assets | $165,986,500 | 3,266 |
| Average equity | $21,749,000 | 3,004 |
| Average total loans | $89,055,000 | 3,342 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6695% | 2,198 |
| Cost of funding earning assets | 0.3193% | 2,204 |
| Net interest margin | 3.3501% | 2,167 |
| Noninterest income to average assets | 1.5967% | 439 |
| Noninterest expense to average assets | 2.5831% | 1,914 |
| Loan and lease loss provision to assets | 0.4409% | 141 |
| Net operating income to assets | 1.7159% | 611 |
| Return on assets (ROA) | 1.7159% | 632 |
| Pretax return on assets | 1.7159% | 1,109 |
| Return on Equity (ROE) | 12.8773% | 1,496 |
| Retained earnings to average equity (ytd only) | 6.4518% | 2,157 |
| Net charge-offs to loans | 0.7760% | 91 |
| Credit loss provision to net charge-offs | 111.8519% | 1,700 |
| Earnings coverage of net charge-offs (x) | 5.4711% | 2,443 |
| Efficiency ratio | 54.4973% | 3,880 |
| Assets per employee ($millions) | 6.8899% | 2,001 |
| Cash dividends to net income (ytd only)* | 49.8979% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 2,212 |
| Loan loss allowance to noncurrent loans | 56.1249% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.1617% | 434 |
| Noncurrent loans to loans | 2.3776% | 291 |
| Net loans and leases to total assets | 47.4670% | 3,545 |
| Net loans and leases to deposits | 56.7100% | 3,361 |
| Net loans and leases to core deposits | 61.0649% | 3,242 |
| Total domestic deposits to total assets | 83.7013% | 3,638 |
| Equity capital to assets | 12.9376% | 918 |
| Core capital (leverage) ratio | 12.5495% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,226,600 | 3,289 |
| Average earning assets | $160,650,400 | 3,273 |
| Average equity | $22,815,400 | 3,000 |
| Average total loans | $86,979,000 | 3,377 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7523% | 2,139 |
| Cost of funding earning assets | 0.3297% | 2,303 |
| Net interest margin | 3.4226% | 2,090 |
| Noninterest income to average assets | 1.9686% | 363 |
| Noninterest expense to average assets | 2.5666% | 1,937 |
| Loan and lease loss provision to assets | 0.5950% | 86 |
| Net operating income to assets | 2.0128% | 447 |
| Return on assets (ROA) | 2.0128% | 473 |
| Pretax return on assets | 2.0128% | 780 |
| Return on Equity (ROE) | 14.9903% | 1,140 |
| Retained earnings to average equity (ytd only) | 8.3429% | 1,935 |
| Net charge-offs to loans | 1.0308% | 61 |
| Credit loss provision to net charge-offs | 112.0178% | 1,503 |
| Earnings coverage of net charge-offs (x) | 4.9110% | 2,243 |
| Efficiency ratio | 49.6041% | 4,255 |
| Assets per employee ($millions) | 6.5358% | 2,217 |
| Cash dividends to net income (ytd only)* | 44.3444% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 2,321 |
| Loan loss allowance to noncurrent loans | 43.5655% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.5147% | 324 |
| Noncurrent loans to loans | 3.0580% | 213 |
| Net loans and leases to total assets | 48.3065% | 3,602 |
| Net loans and leases to deposits | 58.0795% | 3,403 |
| Net loans and leases to core deposits | 64.1949% | 3,120 |
| Total domestic deposits to total assets | 83.1731% | 3,663 |
| Equity capital to assets | 13.3334% | 893 |
| Core capital (leverage) ratio | 13.4038% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,249,000 | 3,344 |
| Average earning assets | $158,513,250 | 3,319 |
| Average equity | $22,725,250 | 3,038 |
| Average total loans | $87,178,500 | 3,420 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 1,763 |
| Cost of funding earning assets | 0.3458% | 2,349 |
| Net interest margin | 3.5761% | 1,648 |
| Noninterest income to average assets | 0.5179% | 2,545 |
| Noninterest expense to average assets | 2.5821% | 1,905 |
| Loan and lease loss provision to assets | 0.0360% | 2,276 |
| Net operating income to assets | 1.2467% | 2,031 |
| Return on assets (ROA) | 1.2467% | 2,096 |
| Pretax return on assets | 1.2467% | 2,781 |
| Return on Equity (ROE) | 9.2620% | 3,023 |
| Retained earnings to average equity (ytd only) | 2.3600% | 4,030 |
| Net charge-offs to loans | 0.1327% | 599 |
| Credit loss provision to net charge-offs | 51.7241% | 1,598 |
| Earnings coverage of net charge-offs (x) | 18.4483% | 1,565 |
| Efficiency ratio | 66.8114% | 2,040 |
| Assets per employee ($millions) | 5.7579% | 2,838 |
| Cash dividends to net income (ytd only)* | 74.5192% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 3,176 |
| Loan loss allowance to noncurrent loans | 34.0634% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.8517% | 241 |
| Noncurrent loans to loans | 3.3837% | 190 |
| Net loans and leases to total assets | 53.5166% | 3,192 |
| Net loans and leases to deposits | 64.5350% | 2,944 |
| Net loans and leases to core deposits | 73.9578% | 2,412 |
| Total domestic deposits to total assets | 82.9265% | 3,723 |
| Equity capital to assets | 13.4629% | 826 |
| Core capital (leverage) ratio | 12.8249% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,843,000 | 3,368 |
| Average earning assets | $156,149,000 | 3,352 |
| Average equity | $22,457,333 | 3,053 |
| Average total loans | $87,439,333 | 3,436 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 1,324 |
| Cost of funding earning assets | 0.3590% | 2,451 |
| Net interest margin | 3.7699% | 1,201 |
| Noninterest income to average assets | 0.5516% | 2,399 |
| Noninterest expense to average assets | 2.5975% | 1,892 |
| Loan and lease loss provision to assets | 0.0720% | 1,729 |
| Net operating income to assets | 1.4079% | 1,556 |
| Return on assets (ROA) | 1.3503% | 1,774 |
| Pretax return on assets | 1.3503% | 2,430 |
| Return on Equity (ROE) | 10.0330% | 2,678 |
| Retained earnings to average equity (ytd only) | 3.7423% | 3,580 |
| Net charge-offs to loans | 0.0745% | 825 |
| Credit loss provision to net charge-offs | 187.5000% | 909 |
| Earnings coverage of net charge-offs (x) | 38.5625% | 991 |
| Efficiency ratio | 63.7059% | 2,499 |
| Assets per employee ($millions) | 5.8791% | 2,717 |
| Cash dividends to net income (ytd only)* | 62.6998% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,607 |
| Loan loss allowance to noncurrent loans | 34.9790% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.9075% | 278 |
| Noncurrent loans to loans | 3.6070% | 173 |
| Net loans and leases to total assets | 51.5339% | 3,491 |
| Net loans and leases to deposits | 62.1779% | 3,307 |
| Net loans and leases to core deposits | 71.4058% | 2,754 |
| Total domestic deposits to total assets | 82.8814% | 3,712 |
| Equity capital to assets | 13.4908% | 788 |
| Core capital (leverage) ratio | 12.5721% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,775,500 | 3,368 |
| Average earning assets | $155,973,000 | 3,350 |
| Average equity | $22,446,000 | 3,046 |
| Average total loans | $85,957,500 | 3,469 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 1,762 |
| Cost of funding earning assets | 0.6480% | 2,004 |
| Net interest margin | 3.6864% | 1,851 |
| Noninterest income to average assets | 0.6654% | 1,968 |
| Noninterest expense to average assets | 2.6204% | 2,485 |
| Loan and lease loss provision to assets | 0.2678% | 1,437 |
| Net operating income to assets | 1.2109% | 1,516 |
| Return on assets (ROA) | 1.2309% | 1,553 |
| Pretax return on assets | 1.2309% | 2,218 |
| Return on Equity (ROE) | 9.0995% | 2,356 |
| Retained earnings to average equity (ytd only) | 1.7673% | 3,915 |
| Net charge-offs to loans | 0.3714% | 468 |
| Credit loss provision to net charge-offs | 127.2997% | 2,573 |
| Earnings coverage of net charge-offs (x) | 7.0297% | 2,729 |
| Efficiency ratio | 63.9257% | 2,836 |
| Assets per employee ($millions) | 5.2792% | 3,069 |
| Cash dividends to net income (ytd only)* | 80.5781% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,725 |
| Loan loss allowance to noncurrent loans | 34.4384% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.8658% | 320 |
| Noncurrent loans to loans | 3.6129% | 184 |
| Net loans and leases to total assets | 50.2726% | 3,807 |
| Net loans and leases to deposits | 61.3810% | 3,648 |
| Net loans and leases to core deposits | 69.8812% | 3,262 |
| Total domestic deposits to total assets | 81.9025% | 3,685 |
| Equity capital to assets | 13.4276% | 955 |
| Core capital (leverage) ratio | 12.6162% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,207,200 | 3,285 |
| Average earning assets | $149,222,800 | 3,272 |
| Average equity | $21,671,600 | 3,042 |
| Average total loans | $90,744,800 | 3,387 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5041% | 1,559 |
| Cost of funding earning assets | 0.7220% | 1,892 |
| Net interest margin | 3.7821% | 1,675 |
| Noninterest income to average assets | 0.5569% | 2,365 |
| Noninterest expense to average assets | 2.6054% | 2,518 |
| Loan and lease loss provision to assets | 0.2354% | 1,728 |
| Net operating income to assets | 1.2386% | 1,523 |
| Return on assets (ROA) | 1.2664% | 1,550 |
| Pretax return on assets | 1.2664% | 2,171 |
| Return on Equity (ROE) | 9.3437% | 2,261 |
| Retained earnings to average equity (ytd only) | 1.7492% | 4,012 |
| Net charge-offs to loans | 0.1987% | 769 |
| Credit loss provision to net charge-offs | 203.6496% | 2,104 |
| Earnings coverage of net charge-offs (x) | 12.7518% | 2,231 |
| Efficiency ratio | 63.8676% | 2,758 |
| Assets per employee ($millions) | 5.8413% | 2,405 |
| Cash dividends to net income (ytd only)* | 81.2791% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 2,685 |
| Loan loss allowance to noncurrent loans | 48.3175% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.4484% | 606 |
| Noncurrent loans to loans | 2.4762% | 427 |
| Net loans and leases to total assets | 56.5513% | 3,572 |
| Net loans and leases to deposits | 69.2567% | 3,373 |
| Net loans and leases to core deposits | 78.5710% | 2,960 |
| Total domestic deposits to total assets | 81.6546% | 3,504 |
| Equity capital to assets | 13.4076% | 1,026 |
| Core capital (leverage) ratio | 12.7588% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,025,250 | 3,291 |
| Average earning assets | $147,181,250 | 3,274 |
| Average equity | $21,418,500 | 3,060 |
| Average total loans | $91,931,500 | 3,386 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6594% | 1,513 |
| Cost of funding earning assets | 0.8227% | 1,716 |
| Net interest margin | 3.8366% | 1,722 |
| Noninterest income to average assets | 0.5647% | 2,284 |
| Noninterest expense to average assets | 2.6508% | 2,522 |
| Loan and lease loss provision to assets | 0.1870% | 2,156 |
| Net operating income to assets | 1.2921% | 1,376 |
| Return on assets (ROA) | 1.2921% | 1,487 |
| Pretax return on assets | 1.2921% | 2,052 |
| Return on Equity (ROE) | 9.4972% | 2,153 |
| Retained earnings to average equity (ytd only) | 1.6660% | 3,885 |
| Net charge-offs to loans | 0.0525% | 1,739 |
| Credit loss provision to net charge-offs | 608.3333% | 1,098 |
| Earnings coverage of net charge-offs (x) | 48.1250% | 1,131 |
| Efficiency ratio | 64.1860% | 2,798 |
| Assets per employee ($millions) | 5.7634% | 2,404 |
| Cash dividends to net income (ytd only)* | 82.4579% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 2,660 |
| Loan loss allowance to noncurrent loans | 46.9885% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.5384% | 600 |
| Noncurrent loans to loans | 2.4920% | 471 |
| Net loans and leases to total assets | 59.6621% | 3,363 |
| Net loans and leases to deposits | 74.4732% | 3,031 |
| Net loans and leases to core deposits | 87.5174% | 2,301 |
| Total domestic deposits to total assets | 80.1122% | 3,813 |
| Equity capital to assets | 14.0785% | 840 |
| Core capital (leverage) ratio | 13.0097% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,181,667 | 3,291 |
| Average earning assets | $145,127,333 | 3,275 |
| Average equity | $21,248,333 | 3,060 |
| Average total loans | $91,371,000 | 3,391 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8251% | 1,359 |
| Cost of funding earning assets | 0.9557% | 1,628 |
| Net interest margin | 3.8694% | 1,759 |
| Noninterest income to average assets | 0.6008% | 2,043 |
| Noninterest expense to average assets | 2.8070% | 2,412 |
| Loan and lease loss provision to assets | 0.1278% | 2,115 |
| Net operating income to assets | 1.2578% | 1,361 |
| Return on assets (ROA) | 1.2578% | 1,462 |
| Pretax return on assets | 1.2578% | 2,010 |
| Return on Equity (ROE) | 9.4079% | 1,951 |
| Retained earnings to average equity (ytd only) | 0.5545% | 3,859 |
| Net charge-offs to loans | 0.1066% | 1,046 |
| Credit loss provision to net charge-offs | 208.3333% | 1,394 |
| Earnings coverage of net charge-offs (x) | 22.5833% | 1,351 |
| Efficiency ratio | 66.9512% | 2,826 |
| Assets per employee ($millions) | 5.6883% | 1,941 |
| Cash dividends to net income (ytd only)* | 94.1057% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 3,193 |
| Loan loss allowance to noncurrent loans | 42.8328% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.5685% | 665 |
| Noncurrent loans to loans | 2.5710% | 453 |
| Net loans and leases to total assets | 58.7083% | 3,617 |
| Net loans and leases to deposits | 72.9227% | 3,362 |
| Net loans and leases to core deposits | 86.0971% | 2,672 |
| Total domestic deposits to total assets | 80.5076% | 3,762 |
| Equity capital to assets | 13.6415% | 1,166 |
| Core capital (leverage) ratio | 12.9298% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,466,000 | 3,250 |
| Average earning assets | $145,240,500 | 3,234 |
| Average equity | $20,918,500 | 3,083 |
| Average total loans | $90,085,500 | 3,395 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 2,162 |
| Cost of funding earning assets | 1.1542% | 1,145 |
| Net interest margin | 3.6068% | 3,116 |
| Noninterest income to average assets | 0.9004% | 1,176 |
| Noninterest expense to average assets | 2.7417% | 2,771 |
| Loan and lease loss provision to assets | 0.2174% | 902 |
| Net operating income to assets | 1.2684% | 1,811 |
| Return on assets (ROA) | 1.2612% | 1,913 |
| Pretax return on assets | 1.2612% | 2,637 |
| Return on Equity (ROE) | 9.5614% | 2,494 |
| Retained earnings to average equity (ytd only) | 4.6715% | 2,603 |
| Net charge-offs to loans | 0.3419% | 597 |
| Credit loss provision to net charge-offs | 110.2990% | 2,263 |
| Earnings coverage of net charge-offs (x) | 7.5382% | 2,865 |
| Efficiency ratio | 64.8544% | 2,961 |
| Assets per employee ($millions) | 5.3116% | 2,236 |
| Cash dividends to net income (ytd only)* | 51.1423% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 2,964 |
| Loan loss allowance to noncurrent loans | 50.6736% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.2287% | 943 |
| Noncurrent loans to loans | 2.1685% | 578 |
| Net loans and leases to total assets | 55.2391% | 3,977 |
| Net loans and leases to deposits | 67.1998% | 3,881 |
| Net loans and leases to core deposits | 77.5273% | 3,476 |
| Total domestic deposits to total assets | 82.2013% | 3,457 |
| Equity capital to assets | 13.1071% | 1,455 |
| Core capital (leverage) ratio | 12.6777% | 1,388 |
| Tier 1 risk-based capital ratio | 19.6109% | 1,390 |
| Total risk-based capital ratio | 20.5637% | 1,420 |
| Memoranda: | ||
| Average total assets | $152,717,200 | 3,260 |
| Average earning assets | $140,871,800 | 3,265 |
| Average equity | $20,143,400 | 3,118 |
| Average total loans | $88,026,800 | 3,449 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7899% | 2,155 |
| Cost of funding earning assets | 1.1743% | 1,098 |
| Net interest margin | 3.6156% | 3,212 |
| Noninterest income to average assets | 0.8147% | 1,380 |
| Noninterest expense to average assets | 2.7203% | 2,809 |
| Loan and lease loss provision to assets | 0.2780% | 550 |
| Net operating income to assets | 1.1536% | 2,348 |
| Return on assets (ROA) | 1.1536% | 2,441 |
| Pretax return on assets | 1.1536% | 3,122 |
| Return on Equity (ROE) | 8.7315% | 2,993 |
| Retained earnings to average equity (ytd only) | 4.6764% | 3,066 |
| Net charge-offs to loans | 0.3660% | 464 |
| Credit loss provision to net charge-offs | 130.7054% | 1,817 |
| Earnings coverage of net charge-offs (x) | 6.7302% | 2,809 |
| Efficiency ratio | 65.5187% | 2,793 |
| Assets per employee ($millions) | 5.0261% | 2,526 |
| Cash dividends to net income (ytd only)* | 46.4421% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,061 |
| Loan loss allowance to noncurrent loans | 83.3469% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 1,565 |
| Noncurrent loans to loans | 1.3131% | 1,178 |
| Net loans and leases to total assets | 59.2197% | 3,744 |
| Net loans and leases to deposits | 75.5319% | 3,341 |
| Net loans and leases to core deposits | 88.4616% | 2,686 |
| Total domestic deposits to total assets | 78.4035% | 4,288 |
| Equity capital to assets | 13.3151% | 1,458 |
| Core capital (leverage) ratio | 12.8218% | 1,429 |
| Tier 1 risk-based capital ratio | 18.6800% | 1,644 |
| Total risk-based capital ratio | 19.6391% | 1,680 |
| Memoranda: | ||
| Average total assets | $151,059,250 | 3,318 |
| Average earning assets | $139,427,500 | 3,318 |
| Average equity | $19,957,750 | 3,158 |
| Average total loans | $87,783,250 | 3,491 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 2,266 |
| Cost of funding earning assets | 1.1288% | 1,201 |
| Net interest margin | 3.6049% | 3,239 |
| Noninterest income to average assets | 0.8001% | 1,349 |
| Noninterest expense to average assets | 2.7068% | 2,879 |
| Loan and lease loss provision to assets | 0.3211% | 415 |
| Net operating income to assets | 1.0838% | 2,589 |
| Return on assets (ROA) | 1.0838% | 2,656 |
| Pretax return on assets | 1.0838% | 3,278 |
| Return on Equity (ROE) | 8.2254% | 3,184 |
| Retained earnings to average equity (ytd only) | 6.1031% | 2,236 |
| Net charge-offs to loans | 0.5352% | 291 |
| Credit loss provision to net charge-offs | 104.3478% | 1,908 |
| Earnings coverage of net charge-offs (x) | 4.5652% | 2,729 |
| Efficiency ratio | 65.8314% | 2,829 |
| Assets per employee ($millions) | 4.6972% | 2,884 |
| Cash dividends to net income (ytd only)* | 25.8025% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,166 |
| Loan loss allowance to noncurrent loans | 73.0534% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 1,250 |
| Noncurrent loans to loans | 1.4802% | 1,042 |
| Net loans and leases to total assets | 58.2427% | 3,891 |
| Net loans and leases to deposits | 75.4592% | 3,380 |
| Net loans and leases to core deposits | 90.7305% | 2,536 |
| Total domestic deposits to total assets | 77.1843% | 4,542 |
| Equity capital to assets | 13.6492% | 1,266 |
| Core capital (leverage) ratio | 13.3128% | 1,184 |
| Tier 1 risk-based capital ratio | 18.0824% | 1,785 |
| Total risk-based capital ratio | 18.9570% | 1,833 |
| Memoranda: | ||
| Average total assets | $149,476,330 | 3,357 |
| Average earning assets | $137,314,330 | 3,370 |
| Average equity | $19,695,000 | 3,175 |
| Average total loans | $85,947,670 | 3,551 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 2,011 |
| Cost of funding earning assets | 1.0828% | 1,243 |
| Net interest margin | 3.6829% | 2,958 |
| Noninterest income to average assets | 0.5233% | 2,419 |
| Noninterest expense to average assets | 2.5815% | 3,266 |
| Loan and lease loss provision to assets | 0.5635% | 184 |
| Net operating income to assets | 0.7460% | 3,784 |
| Return on assets (ROA) | 0.7460% | 3,831 |
| Pretax return on assets | 0.7460% | 4,181 |
| Return on Equity (ROE) | 5.7663% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.7663% | 2,563 |
| Net charge-offs to loans | 1.0866% | 123 |
| Credit loss provision to net charge-offs | 91.3043% | 1,707 |
| Earnings coverage of net charge-offs (x) | 2.1217% | 2,526 |
| Efficiency ratio | 66.3448% | 2,895 |
| Assets per employee ($millions) | 4.4465% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 3,055 |
| Loan loss allowance to noncurrent loans | 52.2573% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.6322% | 689 |
| Noncurrent loans to loans | 2.1285% | 679 |
| Net loans and leases to total assets | 56.1046% | 4,050 |
| Net loans and leases to deposits | 68.7368% | 3,861 |
| Net loans and leases to core deposits | 78.0174% | 3,520 |
| Total domestic deposits to total assets | 81.6224% | 3,824 |
| Equity capital to assets | 13.3528% | 1,269 |
| Core capital (leverage) ratio | 13.0293% | 1,262 |
| Tier 1 risk-based capital ratio | 19.4040% | 1,463 |
| Total risk-based capital ratio | 20.3272% | 1,503 |
| Memoranda: | ||
| Average total assets | $149,060,000 | 3,400 |
| Average earning assets | $136,307,000 | 3,423 |
| Average equity | $19,284,500 | 3,225 |
| Average total loans | $84,671,000 | 3,599 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 1,972 |
| Cost of funding earning assets | 0.9126% | 1,045 |
| Net interest margin | 3.7433% | 2,886 |
| Noninterest income to average assets | 0.6462% | 2,058 |
| Noninterest expense to average assets | 2.7835% | 2,742 |
| Loan and lease loss provision to assets | 0.1063% | 2,076 |
| Net operating income to assets | 1.2081% | 2,127 |
| Return on assets (ROA) | 1.2094% | 2,118 |
| Pretax return on assets | 1.2094% | 2,844 |
| Return on Equity (ROE) | 9.6733% | 2,654 |
| Retained earnings to average equity (ytd only) | 3.2032% | 3,798 |
| Net charge-offs to loans | 0.1734% | 1,115 |
| Credit loss provision to net charge-offs | 107.3826% | 2,387 |
| Earnings coverage of net charge-offs (x) | 13.2819% | 2,474 |
| Efficiency ratio | 67.9254% | 2,561 |
| Assets per employee ($millions) | 4.8835% | 2,638 |
| Cash dividends to net income (ytd only)* | 66.8863% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,097 |
| Loan loss allowance to noncurrent loans | 68.0805% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.2121% | 1,076 |
| Noncurrent loans to loans | 1.6157% | 903 |
| Net loans and leases to total assets | 56.2433% | 4,118 |
| Net loans and leases to deposits | 69.3171% | 3,874 |
| Net loans and leases to core deposits | 77.9959% | 3,580 |
| Total domestic deposits to total assets | 81.1391% | 3,859 |
| Equity capital to assets | 12.5348% | 1,566 |
| Core capital (leverage) ratio | 12.7513% | 1,343 |
| Tier 1 risk-based capital ratio | 18.5909% | 1,597 |
| Total risk-based capital ratio | 19.5087% | 1,629 |
| Memoranda: | ||
| Average total assets | $150,564,800 | 3,378 |
| Average earning assets | $138,835,400 | 3,374 |
| Average equity | $18,825,000 | 3,199 |
| Average total loans | $85,950,400 | 3,554 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 1,923 |
| Cost of funding earning assets | 0.8655% | 1,048 |
| Net interest margin | 3.7548% | 2,810 |
| Noninterest income to average assets | 0.6172% | 2,230 |
| Noninterest expense to average assets | 2.7720% | 2,736 |
| Loan and lease loss provision to assets | 0.0310% | 3,396 |
| Net operating income to assets | 1.2920% | 1,893 |
| Return on assets (ROA) | 1.2902% | 1,898 |
| Pretax return on assets | 1.2902% | 2,663 |
| Return on Equity (ROE) | 10.3259% | 2,469 |
| Retained earnings to average equity (ytd only) | 5.9968% | 2,660 |
| Net charge-offs to loans | 0.0854% | 1,655 |
| Credit loss provision to net charge-offs | 63.6364% | 2,704 |
| Earnings coverage of net charge-offs (x) | 27.1278% | 1,712 |
| Efficiency ratio | 67.6916% | 2,594 |
| Assets per employee ($millions) | 5.1977% | 2,222 |
| Cash dividends to net income (ytd only)* | 41.9243% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 3,734 |
| Loan loss allowance to noncurrent loans | 101.3274% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 1,620 |
| Noncurrent loans to loans | 0.9903% | 1,722 |
| Net loans and leases to total assets | 57.9573% | 4,046 |
| Net loans and leases to deposits | 75.9560% | 3,418 |
| Net loans and leases to core deposits | 88.0658% | 2,840 |
| Total domestic deposits to total assets | 76.3038% | 4,754 |
| Equity capital to assets | 12.0501% | 1,881 |
| Core capital (leverage) ratio | 12.9625% | 1,298 |
| Tier 1 risk-based capital ratio | 18.3936% | 1,692 |
| Total risk-based capital ratio | 19.2612% | 1,747 |
| Memoranda: | ||
| Average total assets | $150,359,250 | 3,420 |
| Average earning assets | $139,267,750 | 3,402 |
| Average equity | $18,787,250 | 3,225 |
| Average total loans | $85,915,000 | 3,578 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 1,895 |
| Cost of funding earning assets | 0.7892% | 1,178 |
| Net interest margin | 3.7718% | 2,661 |
| Noninterest income to average assets | 0.6182% | 2,231 |
| Noninterest expense to average assets | 2.7744% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3454% | 1,617 |
| Return on assets (ROA) | 1.3427% | 1,635 |
| Pretax return on assets | 1.3427% | 2,353 |
| Return on Equity (ROE) | 10.6141% | 2,273 |
| Retained earnings to average equity (ytd only) | 6.2918% | 2,424 |
| Net charge-offs to loans | 0.0666% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 35.6786% | 1,376 |
| Efficiency ratio | 67.3423% | 2,757 |
| Assets per employee ($millions) | 5.2426% | 2,156 |
| Cash dividends to net income (ytd only)* | 40.7222% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 3,815 |
| Loan loss allowance to noncurrent loans | 61.6848% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.3102% | 1,080 |
| Noncurrent loans to loans | 1.6280% | 991 |
| Net loans and leases to total assets | 58.8750% | 3,912 |
| Net loans and leases to deposits | 76.6727% | 3,275 |
| Net loans and leases to core deposits | 89.5584% | 2,609 |
| Total domestic deposits to total assets | 76.7874% | 4,756 |
| Equity capital to assets | 12.3716% | 1,616 |
| Core capital (leverage) ratio | 12.7965% | 1,313 |
| Tier 1 risk-based capital ratio | 18.2903% | 1,728 |
| Total risk-based capital ratio | 19.1565% | 1,789 |
| Memoranda: | ||
| Average total assets | $148,501,670 | 3,458 |
| Average earning assets | $137,865,670 | 3,443 |
| Average equity | $18,786,330 | 3,242 |
| Average total loans | $84,123,330 | 3,640 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 2,117 |
| Cost of funding earning assets | 0.7349% | 1,262 |
| Net interest margin | 3.6890% | 2,844 |
| Noninterest income to average assets | 0.6243% | 2,153 |
| Noninterest expense to average assets | 2.7587% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2867% | 1,686 |
| Return on assets (ROA) | 1.2867% | 1,691 |
| Pretax return on assets | 1.2867% | 2,418 |
| Return on Equity (ROE) | 10.0559% | 2,394 |
| Retained earnings to average equity (ytd only) | 10.0559% | 1,137 |
| Net charge-offs to loans | 0.1482% | 936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 15.7333% | 1,655 |
| Efficiency ratio | 68.1941% | 2,799 |
| Assets per employee ($millions) | 5.1550% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,349 |
| Loan loss allowance to noncurrent loans | 35.7650% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 2.2316% | 459 |
| Noncurrent loans to loans | 3.0879% | 381 |
| Net loans and leases to total assets | 56.2710% | 4,099 |
| Net loans and leases to deposits | 71.3441% | 3,672 |
| Net loans and leases to core deposits | 79.4003% | 3,371 |
| Total domestic deposits to total assets | 78.8727% | 4,597 |
| Equity capital to assets | 13.0173% | 1,232 |
| Core capital (leverage) ratio | 12.9791% | 1,188 |
| Tier 1 risk-based capital ratio | 19.2995% | 1,475 |
| Total risk-based capital ratio | 20.2182% | 1,523 |
| Memoranda: | ||
| Average total assets | $146,735,500 | 3,512 |
| Average earning assets | $136,079,000 | 3,503 |
| Average equity | $18,775,000 | 3,277 |
| Average total loans | $80,976,000 | 3,731 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 2,441 |
| Cost of funding earning assets | 0.6327% | 1,402 |
| Net interest margin | 3.6341% | 3,048 |
| Noninterest income to average assets | 0.6191% | 2,354 |
| Noninterest expense to average assets | 2.7102% | 3,095 |
| Loan and lease loss provision to assets | 0.1005% | 2,215 |
| Net operating income to assets | 1.1833% | 1,570 |
| Return on assets (ROA) | 1.1833% | 1,591 |
| Pretax return on assets | 1.1833% | 2,835 |
| Return on Equity (ROE) | 9.4031% | 2,138 |
| Retained earnings to average equity (ytd only) | 2.5451% | 3,803 |
| Net charge-offs to loans | 0.4147% | 599 |
| Credit loss provision to net charge-offs | 44.6429% | 3,391 |
| Earnings coverage of net charge-offs (x) | 5.7024% | 3,285 |
| Efficiency ratio | 67.8577% | 2,919 |
| Assets per employee ($millions) | 4.9711% | 2,516 |
| Cash dividends to net income (ytd only)* | 72.9332% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 2,934 |
| Loan loss allowance to noncurrent loans | 29.2044% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 2.5360% | 370 |
| Noncurrent loans to loans | 4.0151% | 236 |
| Net loans and leases to total assets | 52.8981% | 4,450 |
| Net loans and leases to deposits | 66.1446% | 4,181 |
| Net loans and leases to core deposits | 73.2554% | 3,945 |
| Total domestic deposits to total assets | 79.9734% | 4,340 |
| Equity capital to assets | 12.5801% | 1,471 |
| Core capital (leverage) ratio | 12.3983% | 1,403 |
| Tier 1 risk-based capital ratio | 20.2883% | 1,267 |
| Total risk-based capital ratio | 21.3103% | 1,269 |
| Memoranda: | ||
| Average total assets | $149,249,000 | 3,479 |
| Average earning assets | $138,602,400 | 3,473 |
| Average equity | $18,781,000 | 3,265 |
| Average total loans | $81,013,800 | 3,730 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 2,551 |
| Cost of funding earning assets | 0.6163% | 1,426 |
| Net interest margin | 3.6003% | 3,150 |
| Noninterest income to average assets | 0.6145% | 2,392 |
| Noninterest expense to average assets | 2.7108% | 3,029 |
| Loan and lease loss provision to assets | 0.1340% | 1,617 |
| Net operating income to assets | 1.1245% | 1,973 |
| Return on assets (ROA) | 1.1245% | 2,039 |
| Pretax return on assets | 1.1245% | 3,210 |
| Return on Equity (ROE) | 8.9355% | 2,642 |
| Retained earnings to average equity (ytd only) | 3.5203% | 3,815 |
| Net charge-offs to loans | 0.5346% | 378 |
| Credit loss provision to net charge-offs | 46.0123% | 2,956 |
| Earnings coverage of net charge-offs (x) | 4.3220% | 3,244 |
| Efficiency ratio | 68.2943% | 2,820 |
| Assets per employee ($millions) | 5.1703% | 2,260 |
| Cash dividends to net income (ytd only)* | 60.6039% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 3,351 |
| Loan loss allowance to noncurrent loans | 37.3323% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 2.0749% | 608 |
| Noncurrent loans to loans | 3.0103% | 427 |
| Net loans and leases to total assets | 55.5109% | 4,274 |
| Net loans and leases to deposits | 71.8105% | 3,792 |
| Net loans and leases to core deposits | 79.5413% | 3,486 |
| Total domestic deposits to total assets | 77.3020% | 4,831 |
| Equity capital to assets | 12.7913% | 1,494 |
| Core capital (leverage) ratio | 12.3869% | 1,466 |
| Tier 1 risk-based capital ratio | 18.9488% | 1,595 |
| Total risk-based capital ratio | 19.9126% | 1,637 |
| Memoranda: | ||
| Average total assets | $149,278,250 | 3,512 |
| Average earning assets | $139,097,750 | 3,495 |
| Average equity | $18,786,000 | 3,292 |
| Average total loans | $81,311,250 | 3,746 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 2,596 |
| Cost of funding earning assets | 0.5782% | 1,587 |
| Net interest margin | 3.5887% | 3,082 |
| Noninterest income to average assets | 0.6279% | 2,326 |
| Noninterest expense to average assets | 2.7103% | 3,060 |
| Loan and lease loss provision to assets | 0.0872% | 2,236 |
| Net operating income to assets | 1.1781% | 1,674 |
| Return on assets (ROA) | 1.1781% | 1,706 |
| Pretax return on assets | 1.1781% | 2,860 |
| Return on Equity (ROE) | 9.4130% | 2,310 |
| Retained earnings to average equity (ytd only) | 3.5594% | 3,588 |
| Net charge-offs to loans | 0.3261% | 619 |
| Credit loss provision to net charge-offs | 49.6183% | 2,570 |
| Earnings coverage of net charge-offs (x) | 7.1985% | 2,627 |
| Efficiency ratio | 68.1741% | 2,980 |
| Assets per employee ($millions) | 5.1916% | 2,165 |
| Cash dividends to net income (ytd only)* | 62.1868% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 2,363 |
| Loan loss allowance to noncurrent loans | 36.4767% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.3768% | 481 |
| Noncurrent loans to loans | 3.5907% | 304 |
| Net loans and leases to total assets | 54.7381% | 4,338 |
| Net loans and leases to deposits | 71.0320% | 3,827 |
| Net loans and leases to core deposits | 78.9675% | 3,509 |
| Total domestic deposits to total assets | 77.0612% | 4,947 |
| Equity capital to assets | 13.1428% | 1,304 |
| Core capital (leverage) ratio | 12.5033% | 1,364 |
| Tier 1 risk-based capital ratio | 19.8158% | 1,406 |
| Total risk-based capital ratio | 20.9508% | 1,396 |
| Memoranda: | ||
| Average total assets | $149,058,330 | 3,535 |
| Average earning assets | $139,048,670 | 3,511 |
| Average equity | $18,655,000 | 3,311 |
| Average total loans | $80,355,670 | 3,788 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0924% | 2,682 |
| Cost of funding earning assets | 0.5441% | 1,753 |
| Net interest margin | 3.5482% | 3,089 |
| Noninterest income to average assets | 0.6176% | 2,338 |
| Noninterest expense to average assets | 2.5712% | 3,584 |
| Loan and lease loss provision to assets | 0.0928% | 1,992 |
| Net operating income to assets | 1.2723% | 1,317 |
| Return on assets (ROA) | 1.2723% | 1,350 |
| Pretax return on assets | 1.2723% | 2,339 |
| Return on Equity (ROE) | 10.4178% | 1,771 |
| Retained earnings to average equity (ytd only) | 7.3793% | 1,703 |
| Net charge-offs to loans | 0.2493% | 722 |
| Credit loss provision to net charge-offs | 70.0000% | 1,834 |
| Earnings coverage of net charge-offs (x) | 10.3000% | 1,946 |
| Efficiency ratio | 65.3199% | 3,612 |
| Assets per employee ($millions) | 5.0171% | 2,422 |
| Cash dividends to net income (ytd only)* | 29.1667% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 2,005 |
| Loan loss allowance to noncurrent loans | 33.7912% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 2.3088% | 526 |
| Noncurrent loans to loans | 4.1953% | 239 |
| Net loans and leases to total assets | 51.1447% | 4,583 |
| Net loans and leases to deposits | 64.3576% | 4,291 |
| Net loans and leases to core deposits | 71.6987% | 4,012 |
| Total domestic deposits to total assets | 79.4697% | 4,719 |
| Equity capital to assets | 12.4653% | 1,568 |
| Core capital (leverage) ratio | 12.0786% | 1,580 |
| Tier 1 risk-based capital ratio | 18.7797% | 1,669 |
| Total risk-based capital ratio | 19.9067% | 1,658 |
| Memoranda: | ||
| Average total assets | $150,905,000 | 3,546 |
| Average earning assets | $141,140,000 | 3,511 |
| Average equity | $18,430,000 | 3,355 |
| Average total loans | $80,220,500 | 3,807 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3477% | 1,986 |
| Cost of funding earning assets | 0.5224% | 1,924 |
| Net interest margin | 3.8253% | 2,226 |
| Noninterest income to average assets | 0.5855% | 2,736 |
| Noninterest expense to average assets | 2.6554% | 3,506 |
| Loan and lease loss provision to assets | 0.1882% | 1,250 |
| Net operating income to assets | 1.3203% | 1,169 |
| Return on assets (ROA) | 1.3203% | 1,222 |
| Pretax return on assets | 1.3203% | 2,209 |
| Return on Equity (ROE) | 10.4615% | 1,779 |
| Retained earnings to average equity (ytd only) | 3.6008% | 3,362 |
| Net charge-offs to loans | 0.0773% | 2,584 |
| Credit loss provision to net charge-offs | 430.7692% | 743 |
| Earnings coverage of net charge-offs (x) | 34.5231% | 1,311 |
| Efficiency ratio | 63.7714% | 3,981 |
| Assets per employee ($millions) | 4.8805% | 2,530 |
| Cash dividends to net income (ytd only)* | 65.5804% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 2,248 |
| Loan loss allowance to noncurrent loans | 47.5445% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.5770% | 1,025 |
| Noncurrent loans to loans | 2.8681% | 491 |
| Net loans and leases to total assets | 53.6901% | 4,462 |
| Net loans and leases to deposits | 67.0682% | 4,166 |
| Net loans and leases to core deposits | 74.8114% | 3,855 |
| Total domestic deposits to total assets | 80.0530% | 4,566 |
| Equity capital to assets | 11.9620% | 1,835 |
| Core capital (leverage) ratio | 11.8563% | 1,692 |
| Tier 1 risk-based capital ratio | 18.0777% | 1,831 |
| Total risk-based capital ratio | 19.1990% | 1,823 |
| Memoranda: | ||
| Average total assets | $148,751,200 | 3,543 |
| Average earning assets | $139,154,000 | 3,505 |
| Average equity | $18,773,600 | 3,304 |
| Average total loans | $84,069,800 | 3,708 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 1,892 |
| Cost of funding earning assets | 0.5203% | 1,937 |
| Net interest margin | 3.8687% | 2,087 |
| Noninterest income to average assets | 0.5626% | 2,863 |
| Noninterest expense to average assets | 2.6528% | 3,488 |
| Loan and lease loss provision to assets | 0.1575% | 1,473 |
| Net operating income to assets | 1.3737% | 1,119 |
| Return on assets (ROA) | 1.3737% | 1,187 |
| Pretax return on assets | 1.3737% | 2,147 |
| Return on Equity (ROE) | 10.7410% | 1,770 |
| Retained earnings to average equity (ytd only) | 6.6023% | 1,844 |
| Net charge-offs to loans | 0.0805% | 2,174 |
| Credit loss provision to net charge-offs | 343.1373% | 942 |
| Earnings coverage of net charge-offs (x) | 33.3521% | 1,392 |
| Efficiency ratio | 63.4036% | 4,018 |
| Assets per employee ($millions) | 4.5184% | 3,056 |
| Cash dividends to net income (ytd only)* | 38.5320% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 3,313 |
| Loan loss allowance to noncurrent loans | 48.2904% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 1.4054% | 1,325 |
| Noncurrent loans to loans | 2.4604% | 721 |
| Net loans and leases to total assets | 55.8131% | 4,326 |
| Net loans and leases to deposits | 71.5428% | 3,837 |
| Net loans and leases to core deposits | 80.6319% | 3,386 |
| Total domestic deposits to total assets | 78.0136% | 4,910 |
| Equity capital to assets | 12.7491% | 1,622 |
| Core capital (leverage) ratio | 12.0721% | 1,625 |
| Tier 1 risk-based capital ratio | 17.8460% | 1,960 |
| Total risk-based capital ratio | 18.8477% | 2,004 |
| Memoranda: | ||
| Average total assets | $148,115,000 | 3,571 |
| Average earning assets | $138,647,000 | 3,535 |
| Average equity | $18,942,500 | 3,303 |
| Average total loans | $84,498,750 | 3,715 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 1,832 |
| Cost of funding earning assets | 0.5132% | 2,003 |
| Net interest margin | 3.8852% | 2,028 |
| Noninterest income to average assets | 0.5756% | 2,751 |
| Noninterest expense to average assets | 2.6498% | 3,547 |
| Loan and lease loss provision to assets | 0.2188% | 956 |
| Net operating income to assets | 1.3509% | 1,166 |
| Return on assets (ROA) | 1.3509% | 1,237 |
| Pretax return on assets | 1.3509% | 2,201 |
| Return on Equity (ROE) | 10.5510% | 1,829 |
| Retained earnings to average equity (ytd only) | 6.3648% | 1,931 |
| Net charge-offs to loans | 0.1266% | 1,579 |
| Credit loss provision to net charge-offs | 301.8868% | 952 |
| Earnings coverage of net charge-offs (x) | 21.6604% | 1,671 |
| Efficiency ratio | 62.7997% | 4,204 |
| Assets per employee ($millions) | 4.3515% | 3,295 |
| Cash dividends to net income (ytd only)* | 39.6761% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 3,397 |
| Loan loss allowance to noncurrent loans | 47.9226% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.5525% | 1,212 |
| Noncurrent loans to loans | 2.4930% | 705 |
| Net loans and leases to total assets | 56.7364% | 4,230 |
| Net loans and leases to deposits | 73.5656% | 3,645 |
| Net loans and leases to core deposits | 81.8132% | 3,287 |
| Total domestic deposits to total assets | 77.1235% | 5,148 |
| Equity capital to assets | 13.1165% | 1,439 |
| Core capital (leverage) ratio | 12.1805% | 1,520 |
| Tier 1 risk-based capital ratio | 17.5297% | 2,060 |
| Total risk-based capital ratio | 18.5168% | 2,102 |
| Memoranda: | ||
| Average total assets | $146,277,670 | 3,609 |
| Average earning assets | $137,188,330 | 3,578 |
| Average equity | $18,728,000 | 3,335 |
| Average total loans | $83,740,000 | 3,753 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4117% | 1,770 |
| Cost of funding earning assets | 0.5101% | 2,030 |
| Net interest margin | 3.9017% | 1,931 |
| Noninterest income to average assets | 0.5968% | 2,555 |
| Noninterest expense to average assets | 2.5825% | 3,804 |
| Loan and lease loss provision to assets | 0.4125% | 329 |
| Net operating income to assets | 1.2624% | 1,367 |
| Return on assets (ROA) | 1.2624% | 1,458 |
| Pretax return on assets | 1.2624% | 2,463 |
| Return on Equity (ROE) | 9.9842% | 1,984 |
| Retained earnings to average equity (ytd only) | 9.9842% | 845 |
| Net charge-offs to loans | 0.1780% | 1,082 |
| Credit loss provision to net charge-offs | 405.4054% | 705 |
| Earnings coverage of net charge-offs (x) | 16.4595% | 1,619 |
| Efficiency ratio | 60.6589% | 4,655 |
| Assets per employee ($millions) | 4.3076% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 3,485 |
| Loan loss allowance to noncurrent loans | 56.6667% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 1.3424% | 1,584 |
| Noncurrent loans to loans | 2.1165% | 989 |
| Net loans and leases to total assets | 57.3714% | 4,107 |
| Net loans and leases to deposits | 73.5307% | 3,498 |
| Net loans and leases to core deposits | 82.6505% | 3,071 |
| Total domestic deposits to total assets | 78.0237% | 5,144 |
| Equity capital to assets | 12.8235% | 1,497 |
| Core capital (leverage) ratio | 11.9650% | 1,631 |
| Tier 1 risk-based capital ratio | 17.6779% | 2,078 |
| Total risk-based capital ratio | 18.6858% | 2,110 |
| Memoranda: | ||
| Average total assets | $145,441,000 | 3,645 |
| Average earning assets | $136,455,000 | 3,610 |
| Average equity | $18,389,000 | 3,387 |
| Average total loans | $83,131,500 | 3,779 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 2,467 |
| Cost of funding earning assets | 0.5095% | 2,077 |
| Net interest margin | 3.7178% | 2,684 |
| Noninterest income to average assets | 0.6073% | 2,683 |
| Noninterest expense to average assets | 2.6421% | 3,778 |
| Loan and lease loss provision to assets | 0.0579% | 3,156 |
| Net operating income to assets | 1.3828% | 1,072 |
| Return on assets (ROA) | 1.3876% | 1,103 |
| Pretax return on assets | 1.3876% | 1,947 |
| Return on Equity (ROE) | 11.2881% | 1,514 |
| Retained earnings to average equity (ytd only) | 5.2431% | 2,245 |
| Net charge-offs to loans | 0.0369% | 3,482 |
| Credit loss provision to net charge-offs | 289.6552% | 1,017 |
| Earnings coverage of net charge-offs (x) | 72.0690% | 749 |
| Efficiency ratio | 64.7138% | 4,130 |
| Assets per employee ($millions) | 4.9801% | 2,389 |
| Cash dividends to net income (ytd only)* | 53.5519% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,953 |
| Loan loss allowance to noncurrent loans | 87.2955% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.8343% | 2,581 |
| Noncurrent loans to loans | 1.2793% | 1,841 |
| Net loans and leases to total assets | 55.6078% | 4,328 |
| Net loans and leases to deposits | 70.2289% | 3,895 |
| Net loans and leases to core deposits | 78.7525% | 3,471 |
| Total domestic deposits to total assets | 79.1807% | 4,943 |
| Equity capital to assets | 12.4612% | 1,645 |
| Core capital (leverage) ratio | 11.9524% | 1,650 |
| Tier 1 risk-based capital ratio | 17.4550% | 2,138 |
| Total risk-based capital ratio | 18.3634% | 2,199 |
| Memoranda: | ||
| Average total assets | $145,072,400 | 3,646 |
| Average earning assets | $135,617,600 | 3,603 |
| Average equity | $17,833,000 | 3,402 |
| Average total loans | $78,638,800 | 3,873 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 2,557 |
| Cost of funding earning assets | 0.5107% | 2,114 |
| Net interest margin | 3.6959% | 2,788 |
| Noninterest income to average assets | 0.6096% | 2,690 |
| Noninterest expense to average assets | 2.6439% | 3,738 |
| Loan and lease loss provision to assets | 0.0578% | 3,031 |
| Net operating income to assets | 1.3624% | 1,200 |
| Return on assets (ROA) | 1.3688% | 1,233 |
| Pretax return on assets | 1.3688% | 2,137 |
| Return on Equity (ROE) | 11.1733% | 1,636 |
| Retained earnings to average equity (ytd only) | 6.7669% | 1,802 |
| Net charge-offs to loans | 0.0564% | 2,794 |
| Credit loss provision to net charge-offs | 190.9091% | 1,387 |
| Earnings coverage of net charge-offs (x) | 46.8777% | 1,107 |
| Efficiency ratio | 65.0553% | 4,051 |
| Assets per employee ($millions) | 3.7044% | 4,436 |
| Cash dividends to net income (ytd only)* | 39.4366% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 4,173 |
| Loan loss allowance to noncurrent loans | 84.9856% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 3,069 |
| Noncurrent loans to loans | 1.3051% | 1,958 |
| Net loans and leases to total assets | 54.4912% | 4,515 |
| Net loans and leases to deposits | 68.6715% | 4,125 |
| Net loans and leases to core deposits | 76.9701% | 3,694 |
| Total domestic deposits to total assets | 79.3505% | 4,897 |
| Equity capital to assets | 12.4868% | 1,750 |
| Core capital (leverage) ratio | 11.8483% | 1,781 |
| Tier 1 risk-based capital ratio | 17.8025% | 2,092 |
| Total risk-based capital ratio | 18.7060% | 2,157 |
| Memoranda: | ||
| Average total assets | $145,234,500 | 3,676 |
| Average earning assets | $135,749,000 | 3,631 |
| Average equity | $17,792,000 | 3,436 |
| Average total loans | $77,994,000 | 3,923 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 2,687 |
| Cost of funding earning assets | 0.5085% | 2,178 |
| Net interest margin | 3.6508% | 2,905 |
| Noninterest income to average assets | 0.5952% | 2,773 |
| Noninterest expense to average assets | 2.6586% | 3,725 |
| Loan and lease loss provision to assets | 0.0577% | 2,947 |
| Net operating income to assets | 1.2936% | 1,341 |
| Return on assets (ROA) | 1.2936% | 1,401 |
| Pretax return on assets | 1.2936% | 2,388 |
| Return on Equity (ROE) | 10.6272% | 1,801 |
| Retained earnings to average equity (ytd only) | 6.2001% | 2,113 |
| Net charge-offs to loans | 0.0826% | 2,222 |
| Credit loss provision to net charge-offs | 131.2500% | 1,682 |
| Earnings coverage of net charge-offs (x) | 30.7188% | 1,345 |
| Efficiency ratio | 66.3010% | 3,959 |
| Assets per employee ($millions) | 5.1544% | 2,088 |
| Cash dividends to net income (ytd only)* | 41.6578% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 4,346 |
| Loan loss allowance to noncurrent loans | 134.0591% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 4,084 |
| Noncurrent loans to loans | 0.8172% | 3,080 |
| Net loans and leases to total assets | 53.9232% | 4,566 |
| Net loans and leases to deposits | 68.2143% | 4,115 |
| Net loans and leases to core deposits | 76.6820% | 3,701 |
| Total domestic deposits to total assets | 79.0496% | 5,090 |
| Equity capital to assets | 12.1125% | 1,942 |
| Core capital (leverage) ratio | 11.7003% | 1,839 |
| Tier 1 risk-based capital ratio | 16.7214% | 2,515 |
| Total risk-based capital ratio | 17.5672% | 2,660 |
| Memoranda: | ||
| Average total assets | $145,488,330 | 3,703 |
| Average earning assets | $136,079,330 | 3,657 |
| Average equity | $17,709,330 | 3,468 |
| Average total loans | $77,456,000 | 3,964 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1890% | 2,504 |
| Cost of funding earning assets | 0.5104% | 2,196 |
| Net interest margin | 3.6786% | 2,704 |
| Noninterest income to average assets | 0.6107% | 2,591 |
| Noninterest expense to average assets | 2.5960% | 3,948 |
| Loan and lease loss provision to assets | 0.0575% | 2,781 |
| Net operating income to assets | 1.3911% | 1,046 |
| Return on assets (ROA) | 1.3911% | 1,098 |
| Pretax return on assets | 1.3911% | 1,921 |
| Return on Equity (ROE) | 11.4007% | 1,518 |
| Retained earnings to average equity (ytd only) | 11.4007% | 661 |
| Net charge-offs to loans | 0.0833% | 1,877 |
| Credit loss provision to net charge-offs | 131.2500% | 1,364 |
| Earnings coverage of net charge-offs (x) | 33.0625% | 1,088 |
| Efficiency ratio | 64.1842% | 4,448 |
| Assets per employee ($millions) | 5.0464% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 4,490 |
| Loan loss allowance to noncurrent loans | 64.9735% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 2,803 |
| Noncurrent loans to loans | 1.7010% | 1,616 |
| Net loans and leases to total assets | 52.3991% | 4,624 |
| Net loans and leases to deposits | 65.1886% | 4,250 |
| Net loans and leases to core deposits | 72.5103% | 3,915 |
| Total domestic deposits to total assets | 80.3807% | 4,964 |
| Equity capital to assets | 12.2709% | 1,842 |
| Core capital (leverage) ratio | 11.5069% | 1,999 |
| Tier 1 risk-based capital ratio | 16.9304% | 2,504 |
| Total risk-based capital ratio | 17.7838% | 2,613 |
| Memoranda: | ||
| Average total assets | $146,071,500 | 3,714 |
| Average earning assets | $136,356,500 | 3,678 |
| Average equity | $17,823,500 | 3,477 |
| Average total loans | $76,841,500 | 3,994 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 2,955 |
| Cost of funding earning assets | 0.5295% | 2,395 |
| Net interest margin | 3.6715% | 3,124 |
| Noninterest income to average assets | 0.5957% | 2,885 |
| Noninterest expense to average assets | 2.5110% | 4,510 |
| Loan and lease loss provision to assets | 0.0570% | 3,407 |
| Net operating income to assets | 1.4431% | 995 |
| Return on assets (ROA) | 1.4437% | 1,025 |
| Pretax return on assets | 1.4437% | 1,741 |
| Return on Equity (ROE) | 12.5424% | 1,256 |
| Retained earnings to average equity (ytd only) | 5.5698% | 2,219 |
| Net charge-offs to loans | 0.0632% | 3,587 |
| Credit loss provision to net charge-offs | 171.4286% | 1,414 |
| Earnings coverage of net charge-offs (x) | 45.1224% | 999 |
| Efficiency ratio | 62.6015% | 4,810 |
| Assets per employee ($millions) | 5.2070% | 2,067 |
| Cash dividends to net income (ytd only)* | 55.5921% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 4,449 |
| Loan loss allowance to noncurrent loans | 217.3469% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6118% | 3,753 |
| Noncurrent loans to loans | 0.5148% | 4,124 |
| Net loans and leases to total assets | 51.6403% | 4,817 |
| Net loans and leases to deposits | 63.5901% | 4,570 |
| Net loans and leases to core deposits | 70.8618% | 4,234 |
| Total domestic deposits to total assets | 81.2081% | 4,675 |
| Equity capital to assets | 12.1326% | 1,922 |
| Core capital (leverage) ratio | 11.4862% | 1,976 |
| Tier 1 risk-based capital ratio | 18.0518% | 2,120 |
| Total risk-based capital ratio | 18.9569% | 2,207 |
| Memoranda: | ||
| Average total assets | $147,394,200 | 3,673 |
| Average earning assets | $137,110,600 | 3,642 |
| Average equity | $16,966,400 | 3,529 |
| Average total loans | $77,531,400 | 3,952 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2437% | 2,827 |
| Cost of funding earning assets | 0.5283% | 2,484 |
| Net interest margin | 3.7154% | 2,960 |
| Noninterest income to average assets | 0.6008% | 2,862 |
| Noninterest expense to average assets | 2.4953% | 4,544 |
| Loan and lease loss provision to assets | 0.0568% | 3,233 |
| Net operating income to assets | 1.5066% | 930 |
| Return on assets (ROA) | 1.5075% | 958 |
| Pretax return on assets | 1.5075% | 1,624 |
| Return on Equity (ROE) | 13.2728% | 1,143 |
| Retained earnings to average equity (ytd only) | 7.7683% | 1,461 |
| Net charge-offs to loans | 0.0805% | 3,052 |
| Credit loss provision to net charge-offs | 134.0426% | 1,736 |
| Earnings coverage of net charge-offs (x) | 36.8695% | 1,195 |
| Efficiency ratio | 61.4803% | 4,968 |
| Assets per employee ($millions) | 5.8311% | 1,463 |
| Cash dividends to net income (ytd only)* | 41.4724% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 5,045 |
| Loan loss allowance to noncurrent loans | 101.8337% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 4,259 |
| Noncurrent loans to loans | 1.0171% | 3,040 |
| Net loans and leases to total assets | 50.5542% | 4,940 |
| Net loans and leases to deposits | 60.8120% | 4,864 |
| Net loans and leases to core deposits | 68.4651% | 4,461 |
| Total domestic deposits to total assets | 83.1319% | 4,082 |
| Equity capital to assets | 11.1497% | 2,815 |
| Core capital (leverage) ratio | 11.6373% | 1,952 |
| Tier 1 risk-based capital ratio | 17.1980% | 2,527 |
| Total risk-based capital ratio | 18.0394% | 2,639 |
| Memoranda: | ||
| Average total assets | $147,793,500 | 3,695 |
| Average earning assets | $137,549,750 | 3,665 |
| Average equity | $16,785,750 | 3,576 |
| Average total loans | $77,878,750 | 3,966 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 2,679 |
| Cost of funding earning assets | 0.5334% | 2,510 |
| Net interest margin | 3.7429% | 2,786 |
| Noninterest income to average assets | 0.6253% | 2,680 |
| Noninterest expense to average assets | 2.5937% | 4,262 |
| Loan and lease loss provision to assets | 0.0581% | 3,129 |
| Net operating income to assets | 1.4677% | 932 |
| Return on assets (ROA) | 1.4677% | 972 |
| Pretax return on assets | 1.4677% | 1,645 |
| Return on Equity (ROE) | 12.8375% | 1,222 |
| Retained earnings to average equity (ytd only) | 7.2476% | 1,640 |
| Net charge-offs to loans | 0.1532% | 2,165 |
| Credit loss provision to net charge-offs | 71.1864% | 2,457 |
| Earnings coverage of net charge-offs (x) | 18.6949% | 1,669 |
| Efficiency ratio | 62.9617% | 4,862 |
| Assets per employee ($millions) | 4.9960% | 2,221 |
| Cash dividends to net income (ytd only)* | 43.5438% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 5,268 |
| Loan loss allowance to noncurrent loans | 66.3350% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 3,409 |
| Noncurrent loans to loans | 1.5381% | 2,256 |
| Net loans and leases to total assets | 53.5660% | 4,589 |
| Net loans and leases to deposits | 65.8337% | 4,283 |
| Net loans and leases to core deposits | 74.4313% | 3,794 |
| Total domestic deposits to total assets | 81.3657% | 4,853 |
| Equity capital to assets | 11.7709% | 2,191 |
| Core capital (leverage) ratio | 11.4995% | 2,000 |
| Tier 1 risk-based capital ratio | 17.2026% | 2,534 |
| Total risk-based capital ratio | 18.0293% | 2,685 |
| Memoranda: | ||
| Average total assets | $144,578,330 | 3,769 |
| Average earning assets | $134,976,330 | 3,728 |
| Average equity | $16,529,670 | 3,608 |
| Average total loans | $77,030,000 | 4,004 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 2,528 |
| Cost of funding earning assets | 0.5221% | 2,692 |
| Net interest margin | 3.7761% | 2,566 |
| Noninterest income to average assets | 0.6370% | 2,535 |
| Noninterest expense to average assets | 2.6450% | 4,130 |
| Loan and lease loss provision to assets | 0.0582% | 2,950 |
| Net operating income to assets | 1.4596% | 880 |
| Return on assets (ROA) | 1.4596% | 909 |
| Pretax return on assets | 1.4596% | 1,552 |
| Return on Equity (ROE) | 12.9584% | 1,172 |
| Retained earnings to average equity (ytd only) | 12.9584% | 487 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5396% | 4,931 |
| Assets per employee ($millions) | 5.0676% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 5,102 |
| Loan loss allowance to noncurrent loans | 89.8069% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 4,081 |
| Noncurrent loans to loans | 1.2288% | 2,994 |
| Net loans and leases to total assets | 52.8627% | 4,555 |
| Net loans and leases to deposits | 65.0916% | 4,194 |
| Net loans and leases to core deposits | 69.7667% | 4,121 |
| Total domestic deposits to total assets | 81.2127% | 5,176 |
| Equity capital to assets | 11.7764% | 2,035 |
| Core capital (leverage) ratio | 11.4491% | 2,006 |
| Tier 1 risk-based capital ratio | 17.9390% | 2,325 |
| Total risk-based capital ratio | 18.8448% | 2,420 |
| Memoranda: | ||
| Average total assets | $144,426,000 | 3,798 |
| Average earning assets | $134,847,500 | 3,747 |
| Average equity | $16,267,500 | 3,652 |
| Average total loans | $76,341,000 | 4,054 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 2,908 |
| Cost of funding earning assets | 0.6191% | 2,488 |
| Net interest margin | 3.6937% | 3,081 |
| Noninterest income to average assets | 0.7696% | 2,215 |
| Noninterest expense to average assets | 2.4563% | 4,902 |
| Loan and lease loss provision to assets | 0.0865% | 3,377 |
| Net operating income to assets | 1.6583% | 621 |
| Return on assets (ROA) | 1.6590% | 636 |
| Pretax return on assets | 1.6590% | 1,035 |
| Return on Equity (ROE) | 15.1471% | 737 |
| Retained earnings to average equity (ytd only) | 9.5736% | 656 |
| Net charge-offs to loans | 0.0566% | 4,435 |
| Credit loss provision to net charge-offs | 284.0909% | 800 |
| Earnings coverage of net charge-offs (x) | 57.2955% | 713 |
| Efficiency ratio | 58.4679% | 5,680 |
| Assets per employee ($millions) | 5.6522% | 1,512 |
| Cash dividends to net income (ytd only)* | 36.7960% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 5,304 |
| Loan loss allowance to noncurrent loans | 59.6056% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 0.9520% | 3,516 |
| Noncurrent loans to loans | 1.7817% | 2,256 |
| Net loans and leases to total assets | 51.7291% | 4,889 |
| Net loans and leases to deposits | 61.7045% | 4,749 |
| Net loans and leases to core deposits | 67.1970% | 4,592 |
| Total domestic deposits to total assets | 83.8335% | 4,228 |
| Equity capital to assets | 10.7684% | 2,856 |
| Core capital (leverage) ratio | 11.1151% | 2,278 |
| Tier 1 risk-based capital ratio | 16.9707% | 2,623 |
| Total risk-based capital ratio | 17.8336% | 2,775 |
| Memoranda: | ||
| Average total assets | $144,487,800 | 3,795 |
| Average earning assets | $134,227,400 | 3,749 |
| Average equity | $15,824,800 | 3,732 |
| Average total loans | $77,712,200 | 4,009 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 2,957 |
| Cost of funding earning assets | 0.6365% | 2,490 |
| Net interest margin | 3.6697% | 3,154 |
| Noninterest income to average assets | 0.7877% | 2,209 |
| Noninterest expense to average assets | 2.4466% | 4,882 |
| Loan and lease loss provision to assets | 0.0973% | 3,138 |
| Net operating income to assets | 1.6579% | 671 |
| Return on assets (ROA) | 1.6589% | 705 |
| Pretax return on assets | 1.6589% | 1,186 |
| Return on Equity (ROE) | 15.0815% | 787 |
| Retained earnings to average equity (ytd only) | 11.7787% | 455 |
| Net charge-offs to loans | 0.0222% | 4,682 |
| Credit loss provision to net charge-offs | 807.6923% | 366 |
| Earnings coverage of net charge-offs (x) | 145.7167% | 379 |
| Efficiency ratio | 58.2267% | 5,656 |
| Assets per employee ($millions) | 5.6530% | 1,498 |
| Cash dividends to net income (ytd only)* | 21.8993% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 5,607 |
| Loan loss allowance to noncurrent loans | 59.7112% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0131% | 3,626 |
| Noncurrent loans to loans | 1.7217% | 2,616 |
| Net loans and leases to total assets | 54.1683% | 4,589 |
| Net loans and leases to deposits | 64.7058% | 4,441 |
| Net loans and leases to core deposits | 70.4691% | 4,272 |
| Total domestic deposits to total assets | 83.7147% | 4,309 |
| Equity capital to assets | 10.7124% | 3,055 |
| Core capital (leverage) ratio | 11.0545% | 2,426 |
| Tier 1 risk-based capital ratio | 16.4500% | 2,961 |
| Total risk-based capital ratio | 17.3039% | 3,126 |
| Memoranda: | ||
| Average total assets | $143,870,250 | 3,845 |
| Average earning assets | $133,848,750 | 3,796 |
| Average equity | $15,824,750 | 3,772 |
| Average total loans | $77,931,250 | 4,034 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 2,758 |
| Cost of funding earning assets | 0.6675% | 2,337 |
| Net interest margin | 3.6835% | 3,021 |
| Noninterest income to average assets | 0.8429% | 2,019 |
| Noninterest expense to average assets | 2.4098% | 5,027 |
| Loan and lease loss provision to assets | 0.1190% | 2,834 |
| Net operating income to assets | 1.7447% | 579 |
| Return on assets (ROA) | 1.7447% | 626 |
| Pretax return on assets | 1.7447% | 1,025 |
| Return on Equity (ROE) | 15.7211% | 701 |
| Retained earnings to average equity (ytd only) | 13.2481% | 354 |
| Net charge-offs to loans | 0.0156% | 4,527 |
| Credit loss provision to net charge-offs | 1,416.6667% | 225 |
| Earnings coverage of net charge-offs (x) | 221.8333% | 235 |
| Efficiency ratio | 56.3893% | 5,917 |
| Assets per employee ($millions) | 5.4301% | 1,659 |
| Cash dividends to net income (ytd only)* | 15.7303% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 5,644 |
| Loan loss allowance to noncurrent loans | 64.6825% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.0086% | 3,739 |
| Noncurrent loans to loans | 1.6189% | 2,880 |
| Net loans and leases to total assets | 54.5505% | 4,514 |
| Net loans and leases to deposits | 69.9446% | 3,720 |
| Net loans and leases to core deposits | 75.5755% | 3,597 |
| Total domestic deposits to total assets | 77.9910% | 5,986 |
| Equity capital to assets | 11.1770% | 2,578 |
| Core capital (leverage) ratio | 10.9420% | 2,416 |
| Tier 1 risk-based capital ratio | 16.8636% | 2,762 |
| Total risk-based capital ratio | 17.7456% | 2,895 |
| Memoranda: | ||
| Average total assets | $142,834,000 | 3,900 |
| Average earning assets | $133,025,000 | 3,845 |
| Average equity | $15,851,330 | 3,792 |
| Average total loans | $77,094,000 | 4,067 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3258% | 2,784 |
| Cost of funding earning assets | 0.6945% | 2,267 |
| Net interest margin | 3.6313% | 3,134 |
| Noninterest income to average assets | 0.6571% | 2,835 |
| Noninterest expense to average assets | 2.3667% | 5,208 |
| Loan and lease loss provision to assets | 0.0418% | 3,905 |
| Net operating income to assets | 1.6261% | 672 |
| Return on assets (ROA) | 1.6289% | 731 |
| Pretax return on assets | 1.6289% | 1,242 |
| Return on Equity (ROE) | 14.7290% | 816 |
| Retained earnings to average equity (ytd only) | 14.7290% | 373 |
| Net charge-offs to loans | 0.0834% | 3,005 |
| Credit loss provision to net charge-offs | 93.7500% | 1,955 |
| Earnings coverage of net charge-offs (x) | 37.4375% | 836 |
| Efficiency ratio | 58.6611% | 5,763 |
| Assets per employee ($millions) | 5.2512% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 6,126 |
| Loan loss allowance to noncurrent loans | 67.7747% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8936% | 4,155 |
| Noncurrent loans to loans | 1.4043% | 3,461 |
| Net loans and leases to total assets | 53.8778% | 4,440 |
| Net loans and leases to deposits | 64.6937% | 4,228 |
| Net loans and leases to core deposits | 69.5349% | 4,135 |
| Total domestic deposits to total assets | 83.2814% | 4,768 |
| Equity capital to assets | 11.3618% | 2,568 |
| Core capital (leverage) ratio | 10.3685% | 2,941 |
| Tier 1 risk-based capital ratio | 15.6695% | 3,442 |
| Total risk-based capital ratio | 16.4303% | 3,669 |
| Memoranda: | ||
| Average total assets | $143,659,500 | 3,920 |
| Average earning assets | $133,615,500 | 3,865 |
| Average equity | $15,887,000 | 3,835 |
| Average total loans | $76,725,500 | 4,110 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 2,068 |
| Cost of funding earning assets | 0.8852% | 2,027 |
| Net interest margin | 3.9525% | 2,595 |
| Noninterest income to average assets | 0.6647% | 2,910 |
| Noninterest expense to average assets | 2.5811% | 4,808 |
| Loan and lease loss provision to assets | 0.0924% | 4,520 |
| Net operating income to assets | 1.6444% | 694 |
| Return on assets (ROA) | 1.6414% | 777 |
| Pretax return on assets | 1.6429% | 1,277 |
| Return on Equity (ROE) | 14.7109% | 870 |
| Retained earnings to average equity (ytd only) | 7.4482% | 1,359 |
| Net charge-offs to loans | 0.1668% | 4,046 |
| Credit loss provision to net charge-offs | 93.9850% | 3,317 |
| Earnings coverage of net charge-offs (x) | 17.6767% | 1,493 |
| Efficiency ratio | 59.7569% | 5,581 |
| Assets per employee ($millions) | 5.3903% | 1,796 |
| Cash dividends to net income (ytd only)* | 49.3694% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 6,087 |
| Loan loss allowance to noncurrent loans | 23.3853% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 2.2860% | 2,146 |
| Noncurrent loans to loans | 4.1178% | 1,123 |
| Net loans and leases to total assets | 51.9407% | 4,939 |
| Net loans and leases to deposits | 61.5829% | 4,832 |
| Net loans and leases to core deposits | 65.7868% | 4,763 |
| Total domestic deposits to total assets | 84.3428% | 4,160 |
| Equity capital to assets | 10.7636% | 3,211 |
| Core capital (leverage) ratio | 10.0069% | 3,387 |
| Tier 1 risk-based capital ratio | 15.8248% | 3,258 |
| Total risk-based capital ratio | 16.6251% | 3,460 |
| Memoranda: | ||
| Average total assets | $135,250,400 | 4,041 |
| Average earning assets | $125,059,400 | 3,995 |
| Average equity | $15,090,800 | 3,946 |
| Average total loans | $79,718,400 | 4,050 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0075% | 1,680 |
| Cost of funding earning assets | 0.9295% | 1,983 |
| Net interest margin | 4.0781% | 2,183 |
| Noninterest income to average assets | 0.6261% | 3,126 |
| Noninterest expense to average assets | 2.5615% | 4,877 |
| Loan and lease loss provision to assets | 0.0754% | 4,713 |
| Net operating income to assets | 1.7656% | 616 |
| Return on assets (ROA) | 1.7616% | 686 |
| Pretax return on assets | 1.7636% | 1,139 |
| Return on Equity (ROE) | 15.6368% | 793 |
| Retained earnings to average equity (ytd only) | 10.2313% | 859 |
| Net charge-offs to loans | 0.1092% | 4,299 |
| Credit loss provision to net charge-offs | 113.6364% | 2,565 |
| Earnings coverage of net charge-offs (x) | 27.7872% | 1,170 |
| Efficiency ratio | 58.1565% | 5,770 |
| Assets per employee ($millions) | 5.0257% | 2,158 |
| Cash dividends to net income (ytd only)* | 34.5694% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 6,266 |
| Loan loss allowance to noncurrent loans | 157.6520% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 5,719 |
| Noncurrent loans to loans | 0.5980% | 5,245 |
| Net loans and leases to total assets | 56.1474% | 4,426 |
| Net loans and leases to deposits | 67.5120% | 4,258 |
| Net loans and leases to core deposits | 71.2926% | 4,338 |
| Total domestic deposits to total assets | 83.1665% | 4,572 |
| Equity capital to assets | 11.2387% | 2,996 |
| Core capital (leverage) ratio | 10.7836% | 2,625 |
| Tier 1 risk-based capital ratio | 15.6243% | 3,463 |
| Total risk-based capital ratio | 16.4316% | 3,667 |
| Memoranda: | ||
| Average total assets | $132,678,750 | 4,120 |
| Average earning assets | $122,931,500 | 4,077 |
| Average equity | $14,947,250 | 4,018 |
| Average total loans | $80,566,000 | 4,065 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0091% | 1,764 |
| Cost of funding earning assets | 0.9888% | 1,835 |
| Net interest margin | 4.0203% | 2,413 |
| Noninterest income to average assets | 0.6585% | 2,903 |
| Noninterest expense to average assets | 2.5477% | 4,968 |
| Loan and lease loss provision to assets | 0.1154% | 4,081 |
| Net operating income to assets | 1.7016% | 667 |
| Return on assets (ROA) | 1.7016% | 751 |
| Pretax return on assets | 1.7046% | 1,243 |
| Return on Equity (ROE) | 15.0907% | 924 |
| Retained earnings to average equity (ytd only) | 10.1651% | 933 |
| Net charge-offs to loans | 0.1682% | 3,594 |
| Credit loss provision to net charge-offs | 110.2941% | 2,471 |
| Earnings coverage of net charge-offs (x) | 17.3971% | 1,530 |
| Efficiency ratio | 58.3304% | 5,828 |
| Assets per employee ($millions) | 4.7987% | 2,440 |
| Cash dividends to net income (ytd only)* | 32.6401% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 6,461 |
| Loan loss allowance to noncurrent loans | 66.0510% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9316% | 4,507 |
| Noncurrent loans to loans | 1.3591% | 3,889 |
| Net loans and leases to total assets | 63.9892% | 3,034 |
| Net loans and leases to deposits | 78.8374% | 2,545 |
| Net loans and leases to core deposits | 83.8079% | 2,714 |
| Total domestic deposits to total assets | 81.1661% | 5,408 |
| Equity capital to assets | 11.8011% | 2,310 |
| Core capital (leverage) ratio | 10.9801% | 2,316 |
| Tier 1 risk-based capital ratio | 14.6425% | 4,003 |
| Total risk-based capital ratio | 15.4195% | 4,291 |
| Memoranda: | ||
| Average total assets | $129,998,670 | 4,210 |
| Average earning assets | $119,942,670 | 4,175 |
| Average equity | $14,658,000 | 4,057 |
| Average total loans | $80,834,000 | 4,078 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 1,695 |
| Cost of funding earning assets | 1.0178% | 1,876 |
| Net interest margin | 4.0409% | 2,328 |
| Noninterest income to average assets | 0.6543% | 2,907 |
| Noninterest expense to average assets | 2.6295% | 4,707 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7264% | 685 |
| Return on assets (ROA) | 1.7264% | 765 |
| Pretax return on assets | 1.7325% | 1,228 |
| Return on Equity (ROE) | 15.6742% | 858 |
| Retained earnings to average equity (ytd only) | 15.6742% | 395 |
| Net charge-offs to loans | 0.0151% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 193 |
| Efficiency ratio | 60.2817% | 5,579 |
| Assets per employee ($millions) | 4.6011% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 6,436 |
| Loan loss allowance to noncurrent loans | 160.7375% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 5,822 |
| Noncurrent loans to loans | 0.5873% | 5,487 |
| Net loans and leases to total assets | 60.3493% | 3,585 |
| Net loans and leases to deposits | 73.6927% | 3,161 |
| Net loans and leases to core deposits | 78.2701% | 3,289 |
| Total domestic deposits to total assets | 81.8932% | 5,332 |
| Equity capital to assets | 11.6487% | 2,303 |
| Core capital (leverage) ratio | 10.8484% | 2,391 |
| Tier 1 risk-based capital ratio | 15.4165% | 3,491 |
| Total risk-based capital ratio | 16.2342% | 3,730 |
| Memoranda: | ||
| Average total assets | $130,216,000 | 4,227 |
| Average earning assets | $119,477,000 | 4,211 |
| Average equity | $14,342,000 | 4,128 |
| Average total loans | $79,422,000 | 4,138 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6138% | 930 |
| Cost of funding earning assets | 1.2178% | 1,908 |
| Net interest margin | 4.3960% | 1,408 |
| Noninterest income to average assets | 0.6393% | 2,951 |
| Noninterest expense to average assets | 2.7612% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.9113% | 372 |
| Return on assets (ROA) | 1.9113% | 398 |
| Pretax return on assets | 1.9186% | 640 |
| Return on Equity (ROE) | 17.9559% | 383 |
| Retained earnings to average equity (ytd only) | 10.4699% | 480 |
| Net charge-offs to loans | 0.0402% | 5,910 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 74.5625% | 405 |
| Efficiency ratio | 59.0034% | 5,899 |
| Assets per employee ($millions) | 4.5380% | 2,849 |
| Cash dividends to net income (ytd only)* | 41.6912% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 6,474 |
| Loan loss allowance to noncurrent loans | 64.6957% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 4,745 |
| Noncurrent loans to loans | 1.4311% | 4,015 |
| Net loans and leases to total assets | 60.4938% | 3,893 |
| Net loans and leases to deposits | 72.6311% | 3,716 |
| Net loans and leases to core deposits | 77.2075% | 3,794 |
| Total domestic deposits to total assets | 83.2890% | 4,629 |
| Equity capital to assets | 10.3927% | 3,663 |
| Core capital (leverage) ratio | 10.5311% | 2,685 |
| Tier 1 risk-based capital ratio | 14.4225% | 4,028 |
| Total risk-based capital ratio | 15.2228% | 4,297 |
| Memoranda: | ||
| Average total assets | $124,364,200 | 4,290 |
| Average earning assets | $114,308,000 | 4,278 |
| Average equity | $13,238,000 | 4,295 |
| Average total loans | $79,603,400 | 4,150 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7343% | 796 |
| Cost of funding earning assets | 1.2662% | 1,893 |
| Net interest margin | 4.4681% | 1,223 |
| Noninterest income to average assets | 0.6103% | 3,102 |
| Noninterest expense to average assets | 2.6219% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.1040% | 293 |
| Return on assets (ROA) | 2.1040% | 313 |
| Pretax return on assets | 2.1117% | 506 |
| Return on Equity (ROE) | 19.6416% | 333 |
| Retained earnings to average equity (ytd only) | 14.5535% | 261 |
| Net charge-offs to loans | 0.0537% | 5,435 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 60.6501% | 545 |
| Efficiency ratio | 55.3896% | 6,353 |
| Assets per employee ($millions) | 4.5616% | 2,820 |
| Cash dividends to net income (ytd only)* | 25.9048% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 6,440 |
| Loan loss allowance to noncurrent loans | 138.0334% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 5,881 |
| Noncurrent loans to loans | 0.6913% | 5,505 |
| Net loans and leases to total assets | 60.4611% | 4,049 |
| Net loans and leases to deposits | 73.2835% | 3,766 |
| Net loans and leases to core deposits | 78.0687% | 3,901 |
| Total domestic deposits to total assets | 82.5030% | 4,878 |
| Equity capital to assets | 10.8084% | 3,344 |
| Core capital (leverage) ratio | 10.9183% | 2,459 |
| Tier 1 risk-based capital ratio | 14.9111% | 3,713 |
| Total risk-based capital ratio | 15.7356% | 3,961 |
| Memoranda: | ||
| Average total assets | $122,554,750 | 4,352 |
| Average earning assets | $113,094,250 | 4,324 |
| Average equity | $13,128,250 | 4,320 |
| Average total loans | $79,415,500 | 4,192 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8621% | 632 |
| Cost of funding earning assets | 1.3059% | 1,908 |
| Net interest margin | 4.5562% | 1,000 |
| Noninterest income to average assets | 0.6373% | 2,910 |
| Noninterest expense to average assets | 2.6665% | 4,951 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.1683% | 274 |
| Return on assets (ROA) | 2.1683% | 280 |
| Pretax return on assets | 2.1749% | 427 |
| Return on Equity (ROE) | 20.3059% | 296 |
| Retained earnings to average equity (ytd only) | 16.8802% | 168 |
| Net charge-offs to loans | 0.0451% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 466 |
| Efficiency ratio | 55.0769% | 6,500 |
| Assets per employee ($millions) | 4.1755% | 3,398 |
| Cash dividends to net income (ytd only)* | 16.8702% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 6,530 |
| Loan loss allowance to noncurrent loans | 90.2381% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7680% | 5,367 |
| Noncurrent loans to loans | 1.0463% | 4,905 |
| Net loans and leases to total assets | 65.6757% | 3,102 |
| Net loans and leases to deposits | 80.2798% | 2,743 |
| Net loans and leases to core deposits | 86.6749% | 2,799 |
| Total domestic deposits to total assets | 81.8084% | 5,231 |
| Equity capital to assets | 11.1166% | 2,849 |
| Core capital (leverage) ratio | 10.9022% | 2,339 |
| Tier 1 risk-based capital ratio | 14.5068% | 3,782 |
| Total risk-based capital ratio | 15.3455% | 4,069 |
| Memoranda: | ||
| Average total assets | $120,831,330 | 4,428 |
| Average earning assets | $111,495,670 | 4,399 |
| Average equity | $12,902,670 | 4,366 |
| Average total loans | $79,898,000 | 4,219 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8476% | 671 |
| Cost of funding earning assets | 1.3326% | 1,993 |
| Net interest margin | 4.5150% | 1,038 |
| Noninterest income to average assets | 0.6794% | 2,682 |
| Noninterest expense to average assets | 2.6876% | 4,890 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1541% | 280 |
| Return on assets (ROA) | 2.1541% | 288 |
| Pretax return on assets | 2.1574% | 423 |
| Return on Equity (ROE) | 20.5965% | 309 |
| Retained earnings to average equity (ytd only) | 20.5965% | 160 |
| Net charge-offs to loans | 0.0803% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 40.6875% | 677 |
| Efficiency ratio | 55.4720% | 6,564 |
| Assets per employee ($millions) | 4.6470% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 6,540 |
| Loan loss allowance to noncurrent loans | 104.5392% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 5,598 |
| Noncurrent loans to loans | 0.9095% | 5,224 |
| Net loans and leases to total assets | 65.5297% | 3,126 |
| Net loans and leases to deposits | 79.7307% | 2,757 |
| Net loans and leases to core deposits | 86.1787% | 2,841 |
| Total domestic deposits to total assets | 82.1888% | 5,230 |
| Equity capital to assets | 10.7008% | 2,992 |
| Core capital (leverage) ratio | 10.5072% | 2,604 |
| Tier 1 risk-based capital ratio | 14.0052% | 4,067 |
| Total risk-based capital ratio | 14.8451% | 4,332 |
| Memoranda: | ||
| Average total assets | $120,702,500 | 4,457 |
| Average earning assets | $111,361,500 | 4,423 |
| Average equity | $12,623,500 | 4,412 |
| Average total loans | $79,705,000 | 4,262 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1077% | 689 |
| Cost of funding earning assets | 1.5251% | 2,501 |
| Net interest margin | 4.5827% | 1,042 |
| Noninterest income to average assets | 0.7292% | 2,651 |
| Noninterest expense to average assets | 2.7814% | 4,670 |
| Loan and lease loss provision to assets | 0.1414% | 5,769 |
| Net operating income to assets | 1.9905% | 285 |
| Return on assets (ROA) | 1.9905% | 298 |
| Pretax return on assets | 2.0008% | 474 |
| Return on Equity (ROE) | 19.1288% | 307 |
| Retained earnings to average equity (ytd only) | 7.5099% | 1,146 |
| Net charge-offs to loans | 0.1074% | 5,801 |
| Credit loss provision to net charge-offs | 201.2195% | 1,552 |
| Earnings coverage of net charge-offs (x) | 30.4878% | 721 |
| Efficiency ratio | 56.4915% | 6,530 |
| Assets per employee ($millions) | 4.6378% | 2,645 |
| Cash dividends to net income (ytd only)* | 60.7404% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 6,469 |
| Loan loss allowance to noncurrent loans | 49.2074% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 1.3078% | 4,410 |
| Noncurrent loans to loans | 1.9843% | 3,590 |
| Net loans and leases to total assets | 65.2660% | 3,606 |
| Net loans and leases to deposits | 78.9596% | 3,344 |
| Net loans and leases to core deposits | 86.7972% | 3,215 |
| Total domestic deposits to total assets | 82.6574% | 4,947 |
| Equity capital to assets | 10.2155% | 3,483 |
| Core capital (leverage) ratio | 10.1392% | 2,937 |
| Tier 1 risk-based capital ratio | 13.1689% | 4,471 |
| Total risk-based capital ratio | 14.0190% | 4,768 |
| Memoranda: | ||
| Average total assets | $116,704,600 | 4,562 |
| Average earning assets | $106,815,600 | 4,536 |
| Average equity | $12,144,000 | 4,571 |
| Average total loans | $76,375,800 | 4,440 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1386% | 702 |
| Cost of funding earning assets | 1.5419% | 2,717 |
| Net interest margin | 4.5967% | 1,053 |
| Noninterest income to average assets | 0.7235% | 2,686 |
| Noninterest expense to average assets | 2.7004% | 4,877 |
| Loan and lease loss provision to assets | 0.0749% | 6,305 |
| Net operating income to assets | 2.1347% | 269 |
| Return on assets (ROA) | 2.1347% | 289 |
| Pretax return on assets | 2.1451% | 457 |
| Return on Equity (ROE) | 20.4173% | 288 |
| Retained earnings to average equity (ytd only) | 10.4235% | 697 |
| Net charge-offs to loans | 0.0847% | 5,686 |
| Credit loss provision to net charge-offs | 135.4167% | 2,969 |
| Earnings coverage of net charge-offs (x) | 40.1448% | 683 |
| Efficiency ratio | 54.8818% | 6,703 |
| Assets per employee ($millions) | 4.4123% | 3,059 |
| Cash dividends to net income (ytd only)* | 48.9476% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 6,820 |
| Loan loss allowance to noncurrent loans | 49.3407% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.2096% | 4,728 |
| Noncurrent loans to loans | 1.7738% | 3,987 |
| Net loans and leases to total assets | 67.5970% | 3,310 |
| Net loans and leases to deposits | 82.2808% | 3,051 |
| Net loans and leases to core deposits | 91.1312% | 2,933 |
| Total domestic deposits to total assets | 82.1541% | 4,933 |
| Equity capital to assets | 10.4851% | 3,539 |
| Core capital (leverage) ratio | 10.4961% | 2,693 |
| Tier 1 risk-based capital ratio | 13.2653% | 4,378 |
| Total risk-based capital ratio | 14.0477% | 4,710 |
| Memoranda: | ||
| Average total assets | $115,735,250 | 4,641 |
| Average earning assets | $105,668,250 | 4,618 |
| Average equity | $12,100,500 | 4,648 |
| Average total loans | $75,601,000 | 4,538 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0857% | 780 |
| Cost of funding earning assets | 1.5606% | 2,901 |
| Net interest margin | 4.5251% | 1,155 |
| Noninterest income to average assets | 0.7818% | 2,224 |
| Noninterest expense to average assets | 2.7259% | 4,807 |
| Loan and lease loss provision to assets | 0.0262% | 6,682 |
| Net operating income to assets | 2.1535% | 252 |
| Return on assets (ROA) | 2.1535% | 276 |
| Pretax return on assets | 2.1640% | 437 |
| Return on Equity (ROE) | 20.6176% | 282 |
| Retained earnings to average equity (ytd only) | 10.0248% | 840 |
| Net charge-offs to loans | 0.1275% | 4,920 |
| Credit loss provision to net charge-offs | 31.9149% | 5,703 |
| Earnings coverage of net charge-offs (x) | 26.7021% | 996 |
| Efficiency ratio | 55.4491% | 6,711 |
| Assets per employee ($millions) | 3.8162% | 4,186 |
| Cash dividends to net income (ytd only)* | 51.3776% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 6,901 |
| Loan loss allowance to noncurrent loans | 45.3361% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 1.2735% | 4,599 |
| Noncurrent loans to loans | 1.8779% | 3,897 |
| Net loans and leases to total assets | 67.2391% | 3,565 |
| Net loans and leases to deposits | 81.6643% | 3,320 |
| Net loans and leases to core deposits | 91.5470% | 3,052 |
| Total domestic deposits to total assets | 82.3360% | 4,854 |
| Equity capital to assets | 10.6623% | 3,208 |
| Core capital (leverage) ratio | 10.4228% | 2,693 |
| Tier 1 risk-based capital ratio | 13.3479% | 4,172 |
| Total risk-based capital ratio | 14.1014% | 4,521 |
| Memoranda: | ||
| Average total assets | $114,603,330 | 4,687 |
| Average earning assets | $104,704,330 | 4,671 |
| Average equity | $11,970,330 | 4,683 |
| Average total loans | $73,721,330 | 4,652 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9201% | 1,156 |
| Cost of funding earning assets | 1.6038% | 2,940 |
| Net interest margin | 4.3163% | 1,642 |
| Noninterest income to average assets | 0.8582% | 1,783 |
| Noninterest expense to average assets | 2.7455% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0547% | 318 |
| Return on assets (ROA) | 2.0547% | 349 |
| Pretax return on assets | 2.0652% | 537 |
| Return on Equity (ROE) | 19.8785% | 390 |
| Retained earnings to average equity (ytd only) | 12.4198% | 694 |
| Net charge-offs to loans | 0.0892% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 735 |
| Efficiency ratio | 57.0703% | 6,620 |
| Assets per employee ($millions) | 3.6878% | 4,598 |
| Cash dividends to net income (ytd only)* | 37.5212% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 6,732 |
| Loan loss allowance to noncurrent loans | 44.2484% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 1.3383% | 4,513 |
| Noncurrent loans to loans | 2.1076% | 3,644 |
| Net loans and leases to total assets | 62.9071% | 4,557 |
| Net loans and leases to deposits | 75.4311% | 4,510 |
| Net loans and leases to core deposits | 85.2550% | 3,997 |
| Total domestic deposits to total assets | 83.3968% | 4,429 |
| Equity capital to assets | 10.4863% | 3,259 |
| Core capital (leverage) ratio | 10.2449% | 2,878 |
| Tier 1 risk-based capital ratio | 13.6998% | 3,864 |
| Total risk-based capital ratio | 14.5079% | 4,105 |
| Memoranda: | ||
| Average total assets | $114,661,500 | 4,753 |
| Average earning assets | $104,997,500 | 4,737 |
| Average equity | $11,852,000 | 4,749 |
| Average total loans | $71,761,500 | 4,797 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2521% | 1,116 |
| Cost of funding earning assets | 1.7594% | 4,202 |
| Net interest margin | 4.4927% | 1,193 |
| Noninterest income to average assets | 0.8044% | 2,385 |
| Noninterest expense to average assets | 2.9212% | 4,460 |
| Loan and lease loss provision to assets | 0.2494% | 5,400 |
| Net operating income to assets | 1.8009% | 361 |
| Return on assets (ROA) | 1.8009% | 379 |
| Pretax return on assets | 1.7326% | 728 |
| Return on Equity (ROE) | 17.5243% | 405 |
| Retained earnings to average equity (ytd only) | 9.0318% | 496 |
| Net charge-offs to loans | 0.0875% | 6,246 |
| Credit loss provision to net charge-offs | 457.6271% | 681 |
| Earnings coverage of net charge-offs (x) | 36.3729% | 649 |
| Efficiency ratio | 59.5781% | 6,545 |
| Assets per employee ($millions) | 4.2593% | 3,333 |
| Cash dividends to net income (ytd only)* | 48.4615% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 6,500 |
| Loan loss allowance to noncurrent loans | 49.1838% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.2252% | 4,651 |
| Noncurrent loans to loans | 1.9865% | 3,664 |
| Net loans and leases to total assets | 61.0746% | 5,181 |
| Net loans and leases to deposits | 73.3998% | 5,136 |
| Net loans and leases to core deposits | 110.9361% | 2,802 |
| Total domestic deposits to total assets | 83.2081% | 4,421 |
| Equity capital to assets | 10.1876% | 3,525 |
| Core capital (leverage) ratio | 9.5999% | 3,597 |
| Tier 1 risk-based capital ratio | 13.3750% | 3,899 |
| Total risk-based capital ratio | 14.2093% | 4,120 |
| Memoranda: | ||
| Average total assets | $108,277,800 | 4,868 |
| Average earning assets | $98,782,600 | 4,873 |
| Average equity | $11,127,400 | 4,987 |
| Average total loans | $67,447,800 | 4,963 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3122% | 1,108 |
| Cost of funding earning assets | 1.7978% | 4,393 |
| Net interest margin | 4.5144% | 1,161 |
| Noninterest income to average assets | 0.7805% | 2,543 |
| Noninterest expense to average assets | 2.8756% | 4,552 |
| Loan and lease loss provision to assets | 0.2251% | 5,168 |
| Net operating income to assets | 1.8899% | 368 |
| Return on assets (ROA) | 1.8899% | 393 |
| Pretax return on assets | 1.7974% | 804 |
| Return on Equity (ROE) | 18.3477% | 422 |
| Retained earnings to average equity (ytd only) | 8.4270% | 1,003 |
| Net charge-offs to loans | 0.1302% | 5,393 |
| Credit loss provision to net charge-offs | 276.9231% | 1,517 |
| Earnings coverage of net charge-offs (x) | 24.8783% | 1,077 |
| Efficiency ratio | 58.7079% | 6,612 |
| Assets per employee ($millions) | 4.1660% | 3,434 |
| Cash dividends to net income (ytd only)* | 54.0702% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 7,127 |
| Loan loss allowance to noncurrent loans | 56.7490% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 0.9353% | 5,198 |
| Noncurrent loans to loans | 1.4057% | 4,562 |
| Net loans and leases to total assets | 66.0023% | 4,432 |
| Net loans and leases to deposits | 82.0885% | 4,005 |
| Net loans and leases to core deposits | 127.3850% | 1,630 |
| Total domestic deposits to total assets | 80.4038% | 5,291 |
| Equity capital to assets | 10.1742% | 3,875 |
| Core capital (leverage) ratio | 9.9976% | 3,286 |
| Tier 1 risk-based capital ratio | 12.7311% | 4,367 |
| Total risk-based capital ratio | 13.4350% | 4,756 |
| Memoranda: | ||
| Average total assets | $106,596,750 | 4,944 |
| Average earning assets | $97,226,750 | 4,948 |
| Average equity | $10,980,250 | 5,078 |
| Average total loans | $66,577,250 | 5,037 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2578% | 1,315 |
| Cost of funding earning assets | 1.8576% | 4,478 |
| Net interest margin | 4.4001% | 1,411 |
| Noninterest income to average assets | 0.7894% | 2,465 |
| Noninterest expense to average assets | 2.8805% | 4,577 |
| Loan and lease loss provision to assets | 0.1051% | 6,108 |
| Net operating income to assets | 1.9611% | 325 |
| Return on assets (ROA) | 1.9611% | 355 |
| Pretax return on assets | 1.8197% | 816 |
| Return on Equity (ROE) | 18.9549% | 405 |
| Retained earnings to average equity (ytd only) | 8.0365% | 1,194 |
| Net charge-offs to loans | 0.1755% | 4,481 |
| Credit loss provision to net charge-offs | 98.2143% | 4,672 |
| Earnings coverage of net charge-offs (x) | 17.9821% | 1,438 |
| Efficiency ratio | 59.9443% | 6,563 |
| Assets per employee ($millions) | 3.9373% | 3,799 |
| Cash dividends to net income (ytd only)* | 57.6023% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 7,409 |
| Loan loss allowance to noncurrent loans | 66.2088% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6867% | 5,695 |
| Noncurrent loans to loans | 1.0663% | 5,080 |
| Net loans and leases to total assets | 63.7694% | 5,033 |
| Net loans and leases to deposits | 77.8440% | 4,900 |
| Net loans and leases to core deposits | 124.4415% | 1,982 |
| Total domestic deposits to total assets | 81.9195% | 4,720 |
| Equity capital to assets | 10.4244% | 3,492 |
| Core capital (leverage) ratio | 10.0759% | 3,213 |
| Tier 1 risk-based capital ratio | 13.4085% | 3,859 |
| Total risk-based capital ratio | 14.0217% | 4,217 |
| Memoranda: | ||
| Average total assets | $104,635,330 | 5,027 |
| Average earning assets | $95,497,330 | 5,023 |
| Average equity | $10,825,670 | 5,129 |
| Average total loans | $63,824,000 | 5,186 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1964% | 1,613 |
| Cost of funding earning assets | 1.9277% | 4,497 |
| Net interest margin | 4.2688% | 1,679 |
| Noninterest income to average assets | 0.7553% | 2,567 |
| Noninterest expense to average assets | 2.8208% | 4,479 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1310% | 263 |
| Return on assets (ROA) | 2.1310% | 305 |
| Pretax return on assets | 1.8343% | 917 |
| Return on Equity (ROE) | 20.6777% | 380 |
| Retained earnings to average equity (ytd only) | 11.3297% | 916 |
| Net charge-offs to loans | 0.0584% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 52.8889% | 689 |
| Efficiency ratio | 60.5960% | 6,309 |
| Assets per employee ($millions) | 3.9010% | 3,868 |
| Cash dividends to net income (ytd only)* | 45.2080% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 7,320 |
| Loan loss allowance to noncurrent loans | 57.5061% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8887% | 4,973 |
| Noncurrent loans to loans | 1.2978% | 4,381 |
| Net loans and leases to total assets | 59.9780% | 5,655 |
| Net loans and leases to deposits | 73.4143% | 5,554 |
| Net loans and leases to core deposits | 114.9248% | 2,914 |
| Total domestic deposits to total assets | 81.6980% | 4,678 |
| Equity capital to assets | 10.3601% | 3,602 |
| Core capital (leverage) ratio | 10.1760% | 3,219 |
| Tier 1 risk-based capital ratio | 13.9941% | 3,592 |
| Total risk-based capital ratio | 14.6328% | 3,848 |
| Memoranda: | ||
| Average total assets | $103,799,000 | 5,076 |
| Average earning assets | $94,828,500 | 5,060 |
| Average equity | $10,697,500 | 5,188 |
| Average total loans | $61,599,000 | 5,302 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6483% | 2,253 |
| Cost of funding earning assets | 2.4798% | 4,319 |
| Net interest margin | 4.1685% | 2,439 |
| Noninterest income to average assets | 0.8866% | 2,020 |
| Noninterest expense to average assets | 2.8354% | 4,664 |
| Loan and lease loss provision to assets | 0.0994% | 6,107 |
| Net operating income to assets | 1.5452% | 935 |
| Return on assets (ROA) | 1.5452% | 901 |
| Pretax return on assets | 1.7290% | 1,084 |
| Return on Equity (ROE) | 15.3928% | 866 |
| Retained earnings to average equity (ytd only) | 9.0216% | 605 |
| Net charge-offs to loans | 0.0413% | 6,203 |
| Credit loss provision to net charge-offs | 412.5000% | 1,058 |
| Earnings coverage of net charge-offs (x) | 75.8750% | 538 |
| Efficiency ratio | 60.7966% | 6,202 |
| Assets per employee ($millions) | 3.7878% | 3,985 |
| Cash dividends to net income (ytd only)* | 41.3905% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 7,057 |
| Loan loss allowance to noncurrent loans | 53.7862% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 0.9827% | 4,373 |
| Noncurrent loans to loans | 1.5080% | 3,531 |
| Net loans and leases to total assets | 57.7554% | 6,239 |
| Net loans and leases to deposits | 71.9540% | 6,065 |
| Net loans and leases to core deposits | 107.8003% | 3,989 |
| Total domestic deposits to total assets | 80.2671% | 4,923 |
| Equity capital to assets | 10.2502% | 3,758 |
| Core capital (leverage) ratio | 9.9694% | 3,474 |
| Tier 1 risk-based capital ratio | 14.4719% | 3,311 |
| Total risk-based capital ratio | 15.1636% | 3,507 |
| Memoranda: | ||
| Average total assets | $99,596,400 | 5,061 |
| Average earning assets | $90,249,200 | 5,071 |
| Average equity | $9,998,200 | 5,412 |
| Average total loans | $58,109,400 | 5,361 |