Home > The First National Bank of Ballinger > Performance and Condition Ratios
The First National Bank of Ballinger, 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 | 5.0764% | 1,904 |
| Cost of funding earning assets | 1.1060% | 3,055 |
| Net interest margin | 3.9704% | 1,251 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.5356% | 2,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6724% | 767 |
| Return on assets (ROA) | 1.6779% | 734 |
| Pretax return on assets | 1.6779% | 1,103 |
| Return on Equity (ROE) | 21.6100% | 489 |
| Retained earnings to average equity (ytd only) | 9.1983% | 1,209 |
| Net charge-offs to loans | 0.0013% | 2,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 2,125.5000% | 71 |
| Efficiency ratio | 60.2562% | 3,051 |
| Assets per employee ($millions) | 5.5540% | 3,202 |
| Cash dividends to net income (ytd only)* | 57.4443% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9494% | 416 |
| Loan loss allowance to noncurrent loans | 3,007.0707% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 3,356 |
| Noncurrent loans to loans | 0.0648% | 3,250 |
| Net loans and leases to total assets | 59.9100% | 2,845 |
| Net loans and leases to deposits | 65.8904% | 3,175 |
| Net loans and leases to core deposits | 73.1935% | 3,114 |
| Total domestic deposits to total assets | 90.9300% | 528 |
| Equity capital to assets | 8.5851% | 2,988 |
| Core capital (leverage) ratio | 10.2645% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0936% | 1,065 |
| Memoranda: | ||
| Average total assets | $254,184,600 | 2,654 |
| Average earning assets | $235,994,800 | 2,652 |
| Average equity | $19,732,000 | 2,877 |
| Average total loans | $150,539,000 | 2,672 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9852% | 1,858 |
| Cost of funding earning assets | 1.0316% | 2,946 |
| Net interest margin | 3.9535% | 1,293 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.5272% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6538% | 856 |
| Return on assets (ROA) | 1.6480% | 858 |
| Pretax return on assets | 1.6480% | 1,264 |
| Return on Equity (ROE) | 21.7900% | 582 |
| Retained earnings to average equity (ytd only) | 9.3604% | 1,586 |
| Net charge-offs to loans | -0.0018% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.4448% | 2,915 |
| Assets per employee ($millions) | 5.5362% | 3,152 |
| Cash dividends to net income (ytd only)* | 57.0523% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9815% | 401 |
| Loan loss allowance to noncurrent loans | 2,950.4950% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,391 |
| Noncurrent loans to loans | 0.0672% | 3,276 |
| Net loans and leases to total assets | 59.1700% | 2,919 |
| Net loans and leases to deposits | 64.5900% | 3,220 |
| Net loans and leases to core deposits | 71.2505% | 3,148 |
| Total domestic deposits to total assets | 91.6100% | 535 |
| Equity capital to assets | 7.7872% | 3,189 |
| Core capital (leverage) ratio | 9.9348% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2325% | 1,062 |
| Memoranda: | ||
| Average total assets | $255,247,750 | 2,656 |
| Average earning assets | $236,508,500 | 2,655 |
| Average equity | $19,300,750 | 2,907 |
| Average total loans | $149,994,500 | 2,680 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7416% | 2,127 |
| Cost of funding earning assets | 0.9485% | 2,780 |
| Net interest margin | 3.7931% | 1,645 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.4339% | 2,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5912% | 960 |
| Return on assets (ROA) | 1.5889% | 964 |
| Pretax return on assets | 1.5889% | 1,431 |
| Return on Equity (ROE) | 21.2200% | 603 |
| Retained earnings to average equity (ytd only) | 8.7608% | 1,746 |
| Net charge-offs to loans | -0.0027% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.4674% | 2,899 |
| Assets per employee ($millions) | 5.8289% | 2,859 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9960% | 418 |
| Loan loss allowance to noncurrent loans | 1,637.9121% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,064 |
| Noncurrent loans to loans | 0.1219% | 2,867 |
| Net loans and leases to total assets | 57.0700% | 3,034 |
| Net loans and leases to deposits | 62.1201% | 3,298 |
| Net loans and leases to core deposits | 68.7872% | 3,197 |
| Total domestic deposits to total assets | 91.8700% | 441 |
| Equity capital to assets | 7.6456% | 3,440 |
| Core capital (leverage) ratio | 9.8649% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6694% | 1,176 |
| Memoranda: | ||
| Average total assets | $257,287,667 | 2,648 |
| Average earning assets | $240,591,667 | 2,634 |
| Average equity | $19,267,667 | 2,923 |
| Average total loans | $149,861,667 | 2,672 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 2,065 |
| Cost of funding earning assets | 0.8672% | 2,481 |
| Net interest margin | 3.7428% | 1,805 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.3765% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5724% | 1,033 |
| Return on assets (ROA) | 1.5771% | 1,020 |
| Pretax return on assets | 1.5771% | 1,517 |
| Return on Equity (ROE) | 21.2800% | 640 |
| Retained earnings to average equity (ytd only) | 8.7134% | 2,025 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.1808% | 2,937 |
| Assets per employee ($millions) | 5.7933% | 2,947 |
| Cash dividends to net income (ytd only)* | 59.0551% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9879% | 450 |
| Loan loss allowance to noncurrent loans | 2,590.4348% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,333 |
| Noncurrent loans to loans | 0.0767% | 3,189 |
| Net loans and leases to total assets | 57.6200% | 2,898 |
| Net loans and leases to deposits | 62.7111% | 3,186 |
| Net loans and leases to core deposits | 69.4868% | 2,987 |
| Total domestic deposits to total assets | 91.8800% | 546 |
| Equity capital to assets | 7.6841% | 3,457 |
| Core capital (leverage) ratio | 9.4152% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5599% | 1,247 |
| Memoranda: | ||
| Average total assets | $257,695,000 | 2,683 |
| Average earning assets | $240,781,000 | 2,665 |
| Average equity | $19,097,000 | 2,966 |
| Average total loans | $150,116,500 | 2,702 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0395% | 1,618 |
| Cost of funding earning assets | 0.2619% | 3,231 |
| Net interest margin | 3.7777% | 1,205 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.2943% | 2,754 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.7081% | 531 |
| Return on assets (ROA) | 1.7081% | 505 |
| Pretax return on assets | 1.7081% | 902 |
| Return on Equity (ROE) | 22.9000% | 283 |
| Retained earnings to average equity (ytd only) | 14.2324% | 361 |
| Net charge-offs to loans | -0.0007% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.5654% | 3,519 |
| Assets per employee ($millions) | 6.3533% | 2,461 |
| Cash dividends to net income (ytd only)* | 37.8619% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 444 |
| Loan loss allowance to noncurrent loans | 2,567.2414% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 3,363 |
| Noncurrent loans to loans | 0.0771% | 3,206 |
| Net loans and leases to total assets | 56.5900% | 2,962 |
| Net loans and leases to deposits | 61.1698% | 3,261 |
| Net loans and leases to core deposits | 66.3269% | 3,111 |
| Total domestic deposits to total assets | 92.5100% | 518 |
| Equity capital to assets | 7.1432% | 3,587 |
| Core capital (leverage) ratio | 9.0497% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9706% | 1,375 |
| Memoranda: | ||
| Average total assets | $262,865,800 | 2,648 |
| Average earning assets | $247,825,200 | 2,631 |
| Average equity | $19,603,200 | 2,986 |
| Average total loans | $144,381,000 | 2,687 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 1,488 |
| Cost of funding earning assets | 0.1694% | 3,633 |
| Net interest margin | 3.7276% | 1,076 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.3375% | 2,518 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.6493% | 595 |
| Return on assets (ROA) | 1.6437% | 588 |
| Pretax return on assets | 1.6437% | 1,018 |
| Return on Equity (ROE) | 21.8100% | 302 |
| Retained earnings to average equity (ytd only) | 15.0978% | 358 |
| Net charge-offs to loans | -0.0019% | 3,252 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.0495% | 3,377 |
| Assets per employee ($millions) | 6.4292% | 2,383 |
| Cash dividends to net income (ytd only)* | 30.7882% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 575 |
| Loan loss allowance to noncurrent loans | 2,472.8814% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 3,466 |
| Noncurrent loans to loans | 0.0777% | 3,322 |
| Net loans and leases to total assets | 55.1800% | 2,987 |
| Net loans and leases to deposits | 59.4809% | 3,245 |
| Net loans and leases to core deposits | 64.7522% | 3,052 |
| Total domestic deposits to total assets | 92.7600% | 645 |
| Equity capital to assets | 6.7238% | 3,649 |
| Core capital (leverage) ratio | 8.7426% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5133% | 1,567 |
| Memoranda: | ||
| Average total assets | $263,460,500 | 2,664 |
| Average earning assets | $248,696,500 | 2,639 |
| Average equity | $19,852,250 | 3,012 |
| Average total loans | $142,882,000 | 2,710 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 1,320 |
| Cost of funding earning assets | 0.1046% | 4,145 |
| Net interest margin | 3.6955% | 919 |
| Noninterest income to average assets | 0.5190% | 2,091 |
| Noninterest expense to average assets | 2.3401% | 2,427 |
| Loan and lease loss provision to assets | 0.0207% | 2,231 |
| Net operating income to assets | 1.6473% | 488 |
| Return on assets (ROA) | 1.6366% | 492 |
| Pretax return on assets | 1.6366% | 870 |
| Return on Equity (ROE) | 20.9426% | 248 |
| Retained earnings to average equity (ytd only) | 17.0245% | 151 |
| Net charge-offs to loans | -0.0029% | 3,192 |
| Credit loss provision to net charge-offs | -1,350.0000% | 3,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3843% | 3,509 |
| Assets per employee ($millions) | 6.3707% | 2,414 |
| Cash dividends to net income (ytd only)* | 18.7091% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9341% | 623 |
| Loan loss allowance to noncurrent loans | 2,408.4034% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 3,533 |
| Noncurrent loans to loans | 0.0803% | 3,379 |
| Net loans and leases to total assets | 55.6351% | 2,795 |
| Net loans and leases to deposits | 60.1501% | 3,039 |
| Net loans and leases to core deposits | 66.0331% | 2,814 |
| Total domestic deposits to total assets | 92.4939% | 657 |
| Equity capital to assets | 7.0226% | 3,757 |
| Core capital (leverage) ratio | 8.6510% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4821% | 1,577 |
| Memoranda: | ||
| Average total assets | $261,272,333 | 2,698 |
| Average earning assets | $246,680,000 | 2,688 |
| Average equity | $20,417,667 | 3,029 |
| Average total loans | $139,873,667 | 2,754 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1243% | 2,895 |
| Cost of funding earning assets | 0.0746% | 4,408 |
| Net interest margin | 3.0497% | 2,333 |
| Noninterest income to average assets | 0.3766% | 2,829 |
| Noninterest expense to average assets | 2.0834% | 3,207 |
| Loan and lease loss provision to assets | 0.0337% | 1,753 |
| Net operating income to assets | 1.1374% | 1,415 |
| Return on assets (ROA) | 1.1404% | 1,401 |
| Pretax return on assets | 1.1404% | 2,015 |
| Return on Equity (ROE) | 13.8895% | 855 |
| Retained earnings to average equity (ytd only) | 13.8895% | 389 |
| Net charge-offs to loans | -0.0059% | 3,393 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0169% | 3,027 |
| Assets per employee ($millions) | 6.5010% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0672% | 556 |
| Loan loss allowance to noncurrent loans | 208.9847% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 1,168 |
| Noncurrent loans to loans | 0.9892% | 918 |
| Net loans and leases to total assets | 50.8507% | 3,087 |
| Net loans and leases to deposits | 55.3110% | 3,316 |
| Net loans and leases to core deposits | 60.7681% | 3,081 |
| Total domestic deposits to total assets | 91.9360% | 598 |
| Equity capital to assets | 7.6914% | 3,804 |
| Core capital (leverage) ratio | 8.3674% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8361% | 1,553 |
| Memoranda: | ||
| Average total assets | $261,308,500 | 2,710 |
| Average earning assets | $246,580,000 | 2,699 |
| Average equity | $21,455,000 | 3,022 |
| Average total loans | $135,718,000 | 2,791 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 1,602 |
| Cost of funding earning assets | 0.0806% | 4,525 |
| Net interest margin | 3.8228% | 960 |
| Noninterest income to average assets | 0.4177% | 2,962 |
| Noninterest expense to average assets | 2.2939% | 2,814 |
| Loan and lease loss provision to assets | 0.0786% | 1,553 |
| Net operating income to assets | 1.6328% | 736 |
| Return on assets (ROA) | 1.6332% | 773 |
| Pretax return on assets | 1.6332% | 1,328 |
| Return on Equity (ROE) | 17.8374% | 480 |
| Retained earnings to average equity (ytd only) | 8.2017% | 1,461 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2711% | 3,549 |
| Assets per employee ($millions) | 6.0970% | 2,668 |
| Cash dividends to net income (ytd only)* | 54.0195% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1325% | 494 |
| Loan loss allowance to noncurrent loans | 201.7781% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 1,205 |
| Noncurrent loans to loans | 1.0569% | 924 |
| Net loans and leases to total assets | 50.8443% | 3,189 |
| Net loans and leases to deposits | 55.9433% | 3,422 |
| Net loans and leases to core deposits | 61.2422% | 3,224 |
| Total domestic deposits to total assets | 90.8854% | 535 |
| Equity capital to assets | 8.7510% | 3,843 |
| Core capital (leverage) ratio | 8.6635% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7776% | 1,585 |
| Memoranda: | ||
| Average total assets | $239,158,600 | 2,802 |
| Average earning assets | $224,440,000 | 2,781 |
| Average equity | $21,897,800 | 3,069 |
| Average total loans | $134,980,800 | 2,782 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 1,516 |
| Cost of funding earning assets | 0.0860% | 4,607 |
| Net interest margin | 3.9230% | 897 |
| Noninterest income to average assets | 0.4222% | 2,968 |
| Noninterest expense to average assets | 2.3973% | 2,450 |
| Loan and lease loss provision to assets | 0.1056% | 1,147 |
| Net operating income to assets | 1.5970% | 1,042 |
| Return on assets (ROA) | 1.5976% | 1,084 |
| Pretax return on assets | 1.5976% | 1,710 |
| Return on Equity (ROE) | 17.2404% | 735 |
| Retained earnings to average equity (ytd only) | 6.7676% | 2,508 |
| Net charge-offs to loans | 0.0010% | 2,416 |
| Credit loss provision to net charge-offs | 18,600.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 3,000.0000% | 45 |
| Efficiency ratio | 58.4718% | 3,197 |
| Assets per employee ($millions) | 5.8250% | 2,858 |
| Cash dividends to net income (ytd only)* | 60.7460% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0774% | 562 |
| Loan loss allowance to noncurrent loans | 197.6290% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 1,304 |
| Noncurrent loans to loans | 1.0512% | 1,081 |
| Net loans and leases to total assets | 54.6025% | 2,894 |
| Net loans and leases to deposits | 60.5896% | 3,176 |
| Net loans and leases to core deposits | 66.9341% | 2,864 |
| Total domestic deposits to total assets | 90.1185% | 722 |
| Equity capital to assets | 9.1784% | 3,674 |
| Core capital (leverage) ratio | 8.4461% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9436% | 1,630 |
| Memoranda: | ||
| Average total assets | $234,929,750 | 2,847 |
| Average earning assets | $220,232,750 | 2,836 |
| Average equity | $21,770,000 | 3,111 |
| Average total loans | $135,467,000 | 2,817 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 1,365 |
| Cost of funding earning assets | 0.0931% | 4,617 |
| Net interest margin | 3.9963% | 829 |
| Noninterest income to average assets | 0.4238% | 2,987 |
| Noninterest expense to average assets | 2.4438% | 2,331 |
| Loan and lease loss provision to assets | 0.1580% | 733 |
| Net operating income to assets | 1.5633% | 1,137 |
| Return on assets (ROA) | 1.5642% | 1,196 |
| Pretax return on assets | 1.5642% | 1,838 |
| Return on Equity (ROE) | 16.8232% | 811 |
| Retained earnings to average equity (ytd only) | 6.6104% | 2,581 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6736% | 3,192 |
| Assets per employee ($millions) | 5.9329% | 2,683 |
| Cash dividends to net income (ytd only)* | 60.7064% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0912% | 514 |
| Loan loss allowance to noncurrent loans | 193.7073% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 1,392 |
| Noncurrent loans to loans | 1.0796% | 1,125 |
| Net loans and leases to total assets | 54.5085% | 3,077 |
| Net loans and leases to deposits | 60.3800% | 3,361 |
| Net loans and leases to core deposits | 67.4559% | 3,003 |
| Total domestic deposits to total assets | 90.2758% | 655 |
| Equity capital to assets | 8.9673% | 3,822 |
| Core capital (leverage) ratio | 8.6587% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6839% | 1,727 |
| Memoranda: | ||
| Average total assets | $231,689,667 | 2,871 |
| Average earning assets | $216,901,333 | 2,858 |
| Average equity | $21,541,667 | 3,126 |
| Average total loans | $135,149,667 | 2,829 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 2,098 |
| Cost of funding earning assets | 0.1041% | 4,627 |
| Net interest margin | 3.6963% | 1,338 |
| Noninterest income to average assets | 0.4338% | 2,906 |
| Noninterest expense to average assets | 2.2965% | 2,806 |
| Loan and lease loss provision to assets | 0.0832% | 1,563 |
| Net operating income to assets | 1.5103% | 1,307 |
| Return on assets (ROA) | 1.4891% | 1,420 |
| Pretax return on assets | 1.4891% | 2,027 |
| Return on Equity (ROE) | 15.7152% | 1,076 |
| Retained earnings to average equity (ytd only) | 5.4377% | 3,084 |
| Net charge-offs to loans | -0.0030% | 3,222 |
| Credit loss provision to net charge-offs | -4,700.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0350% | 3,155 |
| Assets per employee ($millions) | 5.6878% | 2,927 |
| Cash dividends to net income (ytd only)* | 65.3983% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 658 |
| Loan loss allowance to noncurrent loans | 173.1065% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 1,410 |
| Noncurrent loans to loans | 1.1276% | 1,190 |
| Net loans and leases to total assets | 58.0922% | 2,789 |
| Net loans and leases to deposits | 64.4735% | 3,083 |
| Net loans and leases to core deposits | 72.5717% | 2,652 |
| Total domestic deposits to total assets | 90.1025% | 772 |
| Equity capital to assets | 9.0995% | 3,591 |
| Core capital (leverage) ratio | 8.9415% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5856% | 1,713 |
| Memoranda: | ||
| Average total assets | $225,909,500 | 2,892 |
| Average earning assets | $211,237,500 | 2,880 |
| Average equity | $21,406,000 | 3,124 |
| Average total loans | $135,012,500 | 2,835 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2684% | 1,959 |
| Cost of funding earning assets | 0.3353% | 3,947 |
| Net interest margin | 3.9331% | 1,131 |
| Noninterest income to average assets | 0.4400% | 2,915 |
| Noninterest expense to average assets | 2.4901% | 2,881 |
| Loan and lease loss provision to assets | 0.2484% | 1,552 |
| Net operating income to assets | 1.3778% | 1,072 |
| Return on assets (ROA) | 1.3788% | 1,160 |
| Pretax return on assets | 1.3788% | 1,726 |
| Return on Equity (ROE) | 13.4412% | 939 |
| Retained earnings to average equity (ytd only) | 4.8617% | 2,339 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4941% | 3,385 |
| Assets per employee ($millions) | 5.2052% | 3,147 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0090% | 574 |
| Loan loss allowance to noncurrent loans | 167.3405% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 1,433 |
| Noncurrent loans to loans | 1.2005% | 1,168 |
| Net loans and leases to total assets | 59.1019% | 2,971 |
| Net loans and leases to deposits | 65.9928% | 3,272 |
| Net loans and leases to core deposits | 74.6164% | 2,853 |
| Total domestic deposits to total assets | 89.5581% | 749 |
| Equity capital to assets | 9.8765% | 3,237 |
| Core capital (leverage) ratio | 9.2485% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2485% | 1,762 |
| Memoranda: | ||
| Average total assets | $204,531,000 | 2,899 |
| Average earning assets | $191,171,000 | 2,900 |
| Average equity | $20,980,200 | 3,098 |
| Average total loans | $130,779,800 | 2,857 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 2,306 |
| Cost of funding earning assets | 0.3968% | 3,823 |
| Net interest margin | 3.8334% | 1,522 |
| Noninterest income to average assets | 0.4404% | 2,887 |
| Noninterest expense to average assets | 2.5471% | 2,700 |
| Loan and lease loss provision to assets | 0.1507% | 2,514 |
| Net operating income to assets | 1.3246% | 1,296 |
| Return on assets (ROA) | 1.3140% | 1,411 |
| Pretax return on assets | 1.3140% | 1,991 |
| Return on Equity (ROE) | 12.6818% | 1,200 |
| Retained earnings to average equity (ytd only) | 5.4799% | 2,334 |
| Net charge-offs to loans | 0.0010% | 3,195 |
| Credit loss provision to net charge-offs | 22,700.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 2,224.0000% | 44 |
| Efficiency ratio | 63.3245% | 2,859 |
| Assets per employee ($millions) | 4.8677% | 3,409 |
| Cash dividends to net income (ytd only)* | 56.7895% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 872 |
| Loan loss allowance to noncurrent loans | 76.0360% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.4872% | 578 |
| Noncurrent loans to loans | 2.2558% | 504 |
| Net loans and leases to total assets | 64.7987% | 2,661 |
| Net loans and leases to deposits | 72.8366% | 3,054 |
| Net loans and leases to core deposits | 83.3469% | 2,541 |
| Total domestic deposits to total assets | 88.9644% | 786 |
| Equity capital to assets | 10.2836% | 2,979 |
| Core capital (leverage) ratio | 9.3700% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1790% | 1,453 |
| Memoranda: | ||
| Average total assets | $201,009,000 | 2,913 |
| Average earning assets | $187,816,250 | 2,910 |
| Average equity | $20,827,250 | 3,109 |
| Average total loans | $130,510,500 | 2,863 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 2,339 |
| Cost of funding earning assets | 0.4799% | 3,657 |
| Net interest margin | 3.8696% | 1,646 |
| Noninterest income to average assets | 0.4429% | 2,840 |
| Noninterest expense to average assets | 2.5474% | 2,834 |
| Loan and lease loss provision to assets | 0.1967% | 2,074 |
| Net operating income to assets | 1.3105% | 1,330 |
| Return on assets (ROA) | 1.2944% | 1,481 |
| Pretax return on assets | 1.2944% | 2,045 |
| Return on Equity (ROE) | 12.4595% | 1,227 |
| Retained earnings to average equity (ytd only) | 5.9044% | 2,122 |
| Net charge-offs to loans | -0.0016% | 3,789 |
| Credit loss provision to net charge-offs | -19,500.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8266% | 2,983 |
| Assets per employee ($millions) | 5.1344% | 3,019 |
| Cash dividends to net income (ytd only)* | 52.6111% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 738 |
| Loan loss allowance to noncurrent loans | 74.7123% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.4505% | 660 |
| Noncurrent loans to loans | 2.3381% | 526 |
| Net loans and leases to total assets | 60.9557% | 3,221 |
| Net loans and leases to deposits | 68.1233% | 3,556 |
| Net loans and leases to core deposits | 77.3574% | 3,165 |
| Total domestic deposits to total assets | 89.4785% | 580 |
| Equity capital to assets | 9.8504% | 3,327 |
| Core capital (leverage) ratio | 9.3193% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9074% | 1,512 |
| Memoranda: | ||
| Average total assets | $198,241,000 | 2,918 |
| Average earning assets | $185,033,667 | 2,911 |
| Average equity | $20,594,667 | 3,125 |
| Average total loans | $128,014,333 | 2,881 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 1,357 |
| Cost of funding earning assets | 0.6219% | 3,320 |
| Net interest margin | 4.2037% | 914 |
| Noninterest income to average assets | 0.4769% | 2,670 |
| Noninterest expense to average assets | 2.6316% | 2,885 |
| Loan and lease loss provision to assets | 0.3144% | 985 |
| Net operating income to assets | 1.4393% | 907 |
| Return on assets (ROA) | 1.4140% | 1,024 |
| Pretax return on assets | 1.4140% | 1,516 |
| Return on Equity (ROE) | 13.2209% | 841 |
| Retained earnings to average equity (ytd only) | 4.3412% | 2,559 |
| Net charge-offs to loans | 0.0096% | 2,225 |
| Credit loss provision to net charge-offs | 4,966.6667% | 170 |
| Earnings coverage of net charge-offs (x) | 277.0000% | 255 |
| Efficiency ratio | 60.0096% | 3,736 |
| Assets per employee ($millions) | 4.6461% | 3,069 |
| Cash dividends to net income (ytd only)* | 67.1642% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 658 |
| Loan loss allowance to noncurrent loans | 76.3351% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.5728% | 663 |
| Noncurrent loans to loans | 2.4279% | 503 |
| Net loans and leases to total assets | 63.5795% | 3,117 |
| Net loans and leases to deposits | 71.5868% | 3,472 |
| Net loans and leases to core deposits | 85.0165% | 2,763 |
| Total domestic deposits to total assets | 88.8146% | 752 |
| Equity capital to assets | 10.8095% | 3,044 |
| Core capital (leverage) ratio | 10.0448% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2459% | 1,541 |
| Memoranda: | ||
| Average total assets | $189,539,000 | 2,961 |
| Average earning assets | $176,227,500 | 2,957 |
| Average equity | $20,271,000 | 3,147 |
| Average total loans | $125,129,000 | 2,897 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9493% | 1,614 |
| Cost of funding earning assets | 0.6858% | 3,229 |
| Net interest margin | 4.2635% | 1,176 |
| Noninterest income to average assets | 0.4796% | 2,856 |
| Noninterest expense to average assets | 2.6696% | 2,970 |
| Loan and lease loss provision to assets | 0.0937% | 2,162 |
| Net operating income to assets | 1.6688% | 713 |
| Return on assets (ROA) | 1.6661% | 762 |
| Pretax return on assets | 1.6661% | 1,283 |
| Return on Equity (ROE) | 16.0939% | 527 |
| Retained earnings to average equity (ytd only) | 8.1528% | 929 |
| Net charge-offs to loans | 0.0233% | 2,942 |
| Credit loss provision to net charge-offs | 589.6552% | 524 |
| Earnings coverage of net charge-offs (x) | 110.8966% | 625 |
| Efficiency ratio | 60.2325% | 3,658 |
| Assets per employee ($millions) | 4.3858% | 3,394 |
| Cash dividends to net income (ytd only)* | 49.3421% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6877% | 824 |
| Loan loss allowance to noncurrent loans | 69.6713% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.6295% | 588 |
| Noncurrent loans to loans | 2.4224% | 460 |
| Net loans and leases to total assets | 66.1322% | 2,931 |
| Net loans and leases to deposits | 74.5088% | 3,304 |
| Net loans and leases to core deposits | 85.4549% | 2,829 |
| Total domestic deposits to total assets | 88.7576% | 763 |
| Equity capital to assets | 10.5791% | 3,367 |
| Core capital (leverage) ratio | 10.2044% | 3,294 |
| Tier 1 risk-based capital ratio | 13.6045% | 3,455 |
| Total risk-based capital ratio | 14.8590% | 3,367 |
| Memoranda: | ||
| Average total assets | $182,461,200 | 2,989 |
| Average earning assets | $169,156,200 | 3,002 |
| Average equity | $18,889,200 | 3,235 |
| Average total loans | $124,688,000 | 2,882 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9450% | 1,692 |
| Cost of funding earning assets | 0.7075% | 3,176 |
| Net interest margin | 4.2376% | 1,287 |
| Noninterest income to average assets | 0.4576% | 2,977 |
| Noninterest expense to average assets | 2.7421% | 2,735 |
| Loan and lease loss provision to assets | 0.0811% | 2,287 |
| Net operating income to assets | 1.5630% | 1,015 |
| Return on assets (ROA) | 1.5659% | 1,065 |
| Pretax return on assets | 1.5659% | 1,761 |
| Return on Equity (ROE) | 15.2132% | 731 |
| Retained earnings to average equity (ytd only) | 7.6245% | 1,571 |
| Net charge-offs to loans | 0.0054% | 3,199 |
| Credit loss provision to net charge-offs | 2,200.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 445.9655% | 221 |
| Efficiency ratio | 62.5168% | 3,244 |
| Assets per employee ($millions) | 4.3471% | 3,421 |
| Cash dividends to net income (ytd only)* | 49.8825% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 939 |
| Loan loss allowance to noncurrent loans | 132.0778% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 1,570 |
| Noncurrent loans to loans | 1.2363% | 1,260 |
| Net loans and leases to total assets | 69.4231% | 2,565 |
| Net loans and leases to deposits | 78.2541% | 3,071 |
| Net loans and leases to core deposits | 90.3648% | 2,520 |
| Total domestic deposits to total assets | 88.7150% | 735 |
| Equity capital to assets | 10.6737% | 3,400 |
| Core capital (leverage) ratio | 10.2691% | 3,340 |
| Tier 1 risk-based capital ratio | 14.3257% | 3,167 |
| Total risk-based capital ratio | 15.5814% | 3,068 |
| Memoranda: | ||
| Average total assets | $180,929,250 | 3,035 |
| Average earning assets | $167,733,000 | 3,044 |
| Average equity | $18,623,750 | 3,288 |
| Average total loans | $124,145,250 | 2,920 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8933% | 1,771 |
| Cost of funding earning assets | 0.7300% | 2,999 |
| Net interest margin | 4.1634% | 1,445 |
| Noninterest income to average assets | 0.4346% | 3,036 |
| Noninterest expense to average assets | 2.7520% | 2,747 |
| Loan and lease loss provision to assets | 0.0754% | 2,307 |
| Net operating income to assets | 1.4647% | 1,247 |
| Return on assets (ROA) | 1.4691% | 1,289 |
| Pretax return on assets | 1.4691% | 1,958 |
| Return on Equity (ROE) | 14.4527% | 882 |
| Retained earnings to average equity (ytd only) | 7.9081% | 1,433 |
| Net charge-offs to loans | 0.0082% | 2,849 |
| Credit loss provision to net charge-offs | 1,360.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 277.8000% | 285 |
| Efficiency ratio | 64.1178% | 3,113 |
| Assets per employee ($millions) | 4.3825% | 3,310 |
| Cash dividends to net income (ytd only)* | 45.2830% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 914 |
| Loan loss allowance to noncurrent loans | 111.7615% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 1,389 |
| Noncurrent loans to loans | 1.4780% | 1,045 |
| Net loans and leases to total assets | 66.6989% | 3,019 |
| Net loans and leases to deposits | 74.8166% | 3,444 |
| Net loans and leases to core deposits | 87.2762% | 2,867 |
| Total domestic deposits to total assets | 89.1499% | 607 |
| Equity capital to assets | 10.3606% | 3,641 |
| Core capital (leverage) ratio | 10.1180% | 3,487 |
| Tier 1 risk-based capital ratio | 13.7592% | 3,449 |
| Total risk-based capital ratio | 15.0128% | 3,338 |
| Memoranda: | ||
| Average total assets | $180,379,330 | 3,050 |
| Average earning assets | $167,125,000 | 3,062 |
| Average equity | $18,335,670 | 3,312 |
| Average total loans | $122,575,000 | 2,952 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 1,759 |
| Cost of funding earning assets | 0.7439% | 2,815 |
| Net interest margin | 4.1084% | 1,529 |
| Noninterest income to average assets | 0.4660% | 2,766 |
| Noninterest expense to average assets | 2.7400% | 2,778 |
| Loan and lease loss provision to assets | 0.0807% | 2,086 |
| Net operating income to assets | 1.4563% | 1,212 |
| Return on assets (ROA) | 1.4720% | 1,199 |
| Pretax return on assets | 1.4720% | 1,860 |
| Return on Equity (ROE) | 14.6256% | 833 |
| Retained earnings to average equity (ytd only) | 7.9472% | 1,683 |
| Net charge-offs to loans | 0.0132% | 2,233 |
| Credit loss provision to net charge-offs | 900.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 171.5000% | 445 |
| Efficiency ratio | 64.0650% | 3,229 |
| Assets per employee ($millions) | 4.2115% | 3,610 |
| Cash dividends to net income (ytd only)* | 45.6621% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 924 |
| Loan loss allowance to noncurrent loans | 116.2564% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9877% | 1,415 |
| Noncurrent loans to loans | 1.4347% | 1,131 |
| Net loans and leases to total assets | 67.6935% | 2,802 |
| Net loans and leases to deposits | 75.8641% | 3,267 |
| Net loans and leases to core deposits | 90.1437% | 2,488 |
| Total domestic deposits to total assets | 89.2300% | 753 |
| Equity capital to assets | 10.3510% | 3,472 |
| Core capital (leverage) ratio | 9.9367% | 3,673 |
| Tier 1 risk-based capital ratio | 13.9043% | 3,391 |
| Total risk-based capital ratio | 15.1588% | 3,307 |
| Memoranda: | ||
| Average total assets | $178,537,500 | 3,102 |
| Average earning assets | $165,611,000 | 3,107 |
| Average equity | $17,968,500 | 3,355 |
| Average total loans | $121,447,500 | 3,005 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8726% | 1,360 |
| Cost of funding earning assets | 0.5138% | 3,263 |
| Net interest margin | 4.3588% | 1,019 |
| Noninterest income to average assets | 0.4772% | 2,958 |
| Noninterest expense to average assets | 2.7933% | 2,711 |
| Loan and lease loss provision to assets | 0.0967% | 2,225 |
| Net operating income to assets | 1.6203% | 829 |
| Return on assets (ROA) | 1.6197% | 822 |
| Pretax return on assets | 1.6197% | 1,404 |
| Return on Equity (ROE) | 16.3257% | 562 |
| Retained earnings to average equity (ytd only) | 8.6444% | 1,000 |
| Net charge-offs to loans | 0.0017% | 3,692 |
| Credit loss provision to net charge-offs | 8,250.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 1,464.5000% | 78 |
| Efficiency ratio | 61.9314% | 3,541 |
| Assets per employee ($millions) | 4.3950% | 3,316 |
| Cash dividends to net income (ytd only)* | 47.0503% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 927 |
| Loan loss allowance to noncurrent loans | 111.9261% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 1,382 |
| Noncurrent loans to loans | 1.4745% | 1,039 |
| Net loans and leases to total assets | 66.1110% | 3,115 |
| Net loans and leases to deposits | 73.5521% | 3,541 |
| Net loans and leases to core deposits | 85.5522% | 2,945 |
| Total domestic deposits to total assets | 89.8831% | 515 |
| Equity capital to assets | 9.7828% | 3,876 |
| Core capital (leverage) ratio | 9.6588% | 3,939 |
| Tier 1 risk-based capital ratio | 13.6434% | 3,466 |
| Total risk-based capital ratio | 14.8978% | 3,384 |
| Memoranda: | ||
| Average total assets | $170,585,600 | 3,160 |
| Average earning assets | $157,840,600 | 3,162 |
| Average equity | $16,924,200 | 3,405 |
| Average total loans | $116,427,600 | 3,039 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 1,200 |
| Cost of funding earning assets | 0.4637% | 3,435 |
| Net interest margin | 4.4214% | 862 |
| Noninterest income to average assets | 0.4828% | 2,964 |
| Noninterest expense to average assets | 2.8468% | 2,466 |
| Loan and lease loss provision to assets | 0.1062% | 1,889 |
| Net operating income to assets | 1.6196% | 931 |
| Return on assets (ROA) | 1.6188% | 931 |
| Pretax return on assets | 1.6188% | 1,516 |
| Return on Equity (ROE) | 16.2560% | 652 |
| Retained earnings to average equity (ytd only) | 9.8874% | 957 |
| Net charge-offs to loans | -0.0012% | 4,024 |
| Credit loss provision to net charge-offs | -13,400.0000% | 4,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2573% | 3,467 |
| Assets per employee ($millions) | 4.1508% | 3,655 |
| Cash dividends to net income (ytd only)* | 39.1773% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 953 |
| Loan loss allowance to noncurrent loans | 104.9521% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.1035% | 1,303 |
| Noncurrent loans to loans | 1.5777% | 1,012 |
| Net loans and leases to total assets | 68.7891% | 2,823 |
| Net loans and leases to deposits | 76.9923% | 3,327 |
| Net loans and leases to core deposits | 90.6091% | 2,606 |
| Total domestic deposits to total assets | 89.3455% | 721 |
| Equity capital to assets | 10.1110% | 3,529 |
| Core capital (leverage) ratio | 9.9528% | 3,690 |
| Tier 1 risk-based capital ratio | 13.9107% | 3,417 |
| Total risk-based capital ratio | 15.1653% | 3,321 |
| Memoranda: | ||
| Average total assets | $168,183,500 | 3,214 |
| Average earning assets | $155,572,750 | 3,210 |
| Average equity | $16,748,250 | 3,447 |
| Average total loans | $115,252,750 | 3,077 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7795% | 1,306 |
| Cost of funding earning assets | 0.4152% | 3,601 |
| Net interest margin | 4.3643% | 920 |
| Noninterest income to average assets | 0.4740% | 3,010 |
| Noninterest expense to average assets | 2.8642% | 2,450 |
| Loan and lease loss provision to assets | 0.0979% | 1,980 |
| Net operating income to assets | 1.5533% | 1,029 |
| Return on assets (ROA) | 1.5521% | 1,036 |
| Pretax return on assets | 1.5521% | 1,651 |
| Return on Equity (ROE) | 15.6671% | 733 |
| Retained earnings to average equity (ytd only) | 9.6413% | 1,028 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4320% | 3,396 |
| Assets per employee ($millions) | 4.2291% | 3,530 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 1,048 |
| Loan loss allowance to noncurrent loans | 38,360.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 5,050 |
| Noncurrent loans to loans | 0.0042% | 4,950 |
| Net loans and leases to total assets | 67.0115% | 3,008 |
| Net loans and leases to deposits | 74.6700% | 3,472 |
| Net loans and leases to core deposits | 86.8955% | 2,833 |
| Total domestic deposits to total assets | 89.7436% | 650 |
| Equity capital to assets | 9.7074% | 3,908 |
| Core capital (leverage) ratio | 9.7515% | 3,839 |
| Tier 1 risk-based capital ratio | 13.5864% | 3,570 |
| Total risk-based capital ratio | 14.8405% | 3,478 |
| Memoranda: | ||
| Average total assets | $167,517,670 | 3,240 |
| Average earning assets | $155,121,330 | 3,229 |
| Average equity | $16,595,330 | 3,486 |
| Average total loans | $113,991,330 | 3,110 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 1,088 |
| Cost of funding earning assets | 0.3835% | 3,707 |
| Net interest margin | 4.4129% | 749 |
| Noninterest income to average assets | 0.4691% | 2,997 |
| Noninterest expense to average assets | 2.9117% | 2,319 |
| Loan and lease loss provision to assets | 0.1240% | 1,517 |
| Net operating income to assets | 1.5166% | 1,041 |
| Return on assets (ROA) | 1.5166% | 1,042 |
| Pretax return on assets | 1.5166% | 1,641 |
| Return on Equity (ROE) | 15.1484% | 778 |
| Retained earnings to average equity (ytd only) | 9.0793% | 1,432 |
| Net charge-offs to loans | 0.0036% | 2,609 |
| Credit loss provision to net charge-offs | 5,100.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 675.0000% | 92 |
| Efficiency ratio | 63.9616% | 3,488 |
| Assets per employee ($millions) | 4.3034% | 3,480 |
| Cash dividends to net income (ytd only)* | 40.0641% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 1,179 |
| Loan loss allowance to noncurrent loans | 23,575.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 5,115 |
| Noncurrent loans to loans | 0.0067% | 4,985 |
| Net loans and leases to total assets | 69.5152% | 2,563 |
| Net loans and leases to deposits | 77.5589% | 3,058 |
| Net loans and leases to core deposits | 89.3549% | 2,509 |
| Total domestic deposits to total assets | 89.6289% | 823 |
| Equity capital to assets | 9.8099% | 3,784 |
| Core capital (leverage) ratio | 9.8057% | 3,750 |
| Tier 1 risk-based capital ratio | 13.3813% | 3,728 |
| Total risk-based capital ratio | 14.6350% | 3,643 |
| Memoranda: | ||
| Average total assets | $164,579,500 | 3,309 |
| Average earning assets | $152,280,000 | 3,294 |
| Average equity | $16,477,000 | 3,531 |
| Average total loans | $111,931,000 | 3,164 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4580% | 1,851 |
| Cost of funding earning assets | 0.2783% | 4,332 |
| Net interest margin | 4.1798% | 1,231 |
| Noninterest income to average assets | 0.4886% | 3,070 |
| Noninterest expense to average assets | 3.0453% | 2,029 |
| Loan and lease loss provision to assets | 0.0850% | 2,505 |
| Net operating income to assets | 1.1985% | 1,530 |
| Return on assets (ROA) | 1.2011% | 1,548 |
| Pretax return on assets | 1.2011% | 2,766 |
| Return on Equity (ROE) | 11.5470% | 1,331 |
| Retained earnings to average equity (ytd only) | 5.3087% | 1,925 |
| Net charge-offs to loans | 0.0472% | 2,839 |
| Credit loss provision to net charge-offs | 272.9167% | 1,022 |
| Earnings coverage of net charge-offs (x) | 41.2083% | 1,242 |
| Efficiency ratio | 70.3493% | 2,496 |
| Assets per employee ($millions) | 3.9348% | 4,069 |
| Cash dividends to net income (ytd only)* | 54.0249% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7435% | 871 |
| Loan loss allowance to noncurrent loans | 8,345.4545% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 5,093 |
| Noncurrent loans to loans | 0.0209% | 4,923 |
| Net loans and leases to total assets | 64.1377% | 3,352 |
| Net loans and leases to deposits | 71.7430% | 3,727 |
| Net loans and leases to core deposits | 82.2316% | 3,227 |
| Total domestic deposits to total assets | 89.3992% | 820 |
| Equity capital to assets | 10.2214% | 3,469 |
| Core capital (leverage) ratio | 9.9625% | 3,503 |
| Tier 1 risk-based capital ratio | 14.6884% | 2,999 |
| Total risk-based capital ratio | 15.9439% | 2,927 |
| Memoranda: | ||
| Average total assets | $154,105,600 | 3,421 |
| Average earning assets | $141,586,600 | 3,428 |
| Average equity | $16,030,200 | 3,589 |
| Average total loans | $101,620,200 | 3,322 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 1,893 |
| Cost of funding earning assets | 0.2670% | 4,430 |
| Net interest margin | 4.1543% | 1,269 |
| Noninterest income to average assets | 0.4929% | 3,069 |
| Noninterest expense to average assets | 3.0877% | 1,838 |
| Loan and lease loss provision to assets | 0.0884% | 2,310 |
| Net operating income to assets | 1.1302% | 1,952 |
| Return on assets (ROA) | 1.1337% | 1,998 |
| Pretax return on assets | 1.1337% | 3,169 |
| Return on Equity (ROE) | 10.8488% | 1,757 |
| Retained earnings to average equity (ytd only) | 4.5657% | 3,173 |
| Net charge-offs to loans | 0.0543% | 2,365 |
| Credit loss provision to net charge-offs | 246.3415% | 1,147 |
| Earnings coverage of net charge-offs (x) | 33.9482% | 1,455 |
| Efficiency ratio | 71.7016% | 2,247 |
| Assets per employee ($millions) | 3.8791% | 4,192 |
| Cash dividends to net income (ytd only)* | 57.9155% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 926 |
| Loan loss allowance to noncurrent loans | 3,939.1304% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 5,094 |
| Noncurrent loans to loans | 0.0446% | 4,914 |
| Net loans and leases to total assets | 65.2387% | 3,214 |
| Net loans and leases to deposits | 73.2950% | 3,639 |
| Net loans and leases to core deposits | 84.7797% | 3,064 |
| Total domestic deposits to total assets | 89.0084% | 887 |
| Equity capital to assets | 10.5553% | 3,304 |
| Core capital (leverage) ratio | 10.0969% | 3,445 |
| Tier 1 risk-based capital ratio | 14.8433% | 2,992 |
| Total risk-based capital ratio | 16.0995% | 2,914 |
| Memoranda: | ||
| Average total assets | $152,300,000 | 3,470 |
| Average earning assets | $139,804,000 | 3,484 |
| Average equity | $15,915,250 | 3,640 |
| Average total loans | $100,698,250 | 3,371 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3396% | 2,002 |
| Cost of funding earning assets | 0.2493% | 4,545 |
| Net interest margin | 4.0903% | 1,353 |
| Noninterest income to average assets | 0.4876% | 3,102 |
| Noninterest expense to average assets | 3.1002% | 1,839 |
| Loan and lease loss provision to assets | 0.0899% | 2,186 |
| Net operating income to assets | 1.0479% | 2,215 |
| Return on assets (ROA) | 1.0453% | 2,269 |
| Pretax return on assets | 1.0453% | 3,387 |
| Return on Equity (ROE) | 10.0374% | 2,019 |
| Retained earnings to average equity (ytd only) | 3.6927% | 3,499 |
| Net charge-offs to loans | 0.0741% | 1,879 |
| Credit loss provision to net charge-offs | 183.7838% | 1,346 |
| Earnings coverage of net charge-offs (x) | 23.2703% | 1,682 |
| Efficiency ratio | 73.1525% | 2,161 |
| Assets per employee ($millions) | 3.6697% | 4,482 |
| Cash dividends to net income (ytd only)* | 63.2111% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 990 |
| Loan loss allowance to noncurrent loans | 8,490.4762% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 5,237 |
| Noncurrent loans to loans | 0.0205% | 5,083 |
| Net loans and leases to total assets | 65.2899% | 3,215 |
| Net loans and leases to deposits | 73.1945% | 3,628 |
| Net loans and leases to core deposits | 83.4225% | 3,129 |
| Total domestic deposits to total assets | 89.2005% | 858 |
| Equity capital to assets | 10.4374% | 3,422 |
| Core capital (leverage) ratio | 10.0575% | 3,459 |
| Tier 1 risk-based capital ratio | 14.6479% | 3,084 |
| Total risk-based capital ratio | 15.9047% | 3,007 |
| Memoranda: | ||
| Average total assets | $151,345,330 | 3,500 |
| Average earning assets | $138,767,330 | 3,514 |
| Average equity | $15,761,000 | 3,671 |
| Average total loans | $99,918,000 | 3,400 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 1,980 |
| Cost of funding earning assets | 0.2297% | 4,721 |
| Net interest margin | 4.0615% | 1,318 |
| Noninterest income to average assets | 0.4535% | 3,292 |
| Noninterest expense to average assets | 3.0463% | 2,027 |
| Loan and lease loss provision to assets | 0.0960% | 1,947 |
| Net operating income to assets | 1.0377% | 2,129 |
| Return on assets (ROA) | 1.0377% | 2,178 |
| Pretax return on assets | 1.0377% | 3,208 |
| Return on Equity (ROE) | 9.9756% | 1,974 |
| Retained earnings to average equity (ytd only) | 3.5646% | 3,659 |
| Net charge-offs to loans | 0.0446% | 1,946 |
| Credit loss provision to net charge-offs | 327.2727% | 744 |
| Earnings coverage of net charge-offs (x) | 38.6364% | 1,060 |
| Efficiency ratio | 72.8781% | 2,426 |
| Assets per employee ($millions) | 3.7897% | 4,361 |
| Cash dividends to net income (ytd only)* | 64.2674% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 1,005 |
| Loan loss allowance to noncurrent loans | 8,885.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 4,438 |
| Noncurrent loans to loans | 0.0200% | 5,146 |
| Net loans and leases to total assets | 64.7531% | 3,161 |
| Net loans and leases to deposits | 72.4290% | 3,568 |
| Net loans and leases to core deposits | 82.0088% | 3,095 |
| Total domestic deposits to total assets | 89.4022% | 946 |
| Equity capital to assets | 10.3425% | 3,361 |
| Core capital (leverage) ratio | 10.1133% | 3,359 |
| Tier 1 risk-based capital ratio | 14.8725% | 3,034 |
| Total risk-based capital ratio | 16.1286% | 2,956 |
| Memoranda: | ||
| Average total assets | $149,954,000 | 3,551 |
| Average earning assets | $137,586,000 | 3,562 |
| Average equity | $15,598,000 | 3,709 |
| Average total loans | $98,670,500 | 3,444 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 2,378 |
| Cost of funding earning assets | 0.1938% | 5,079 |
| Net interest margin | 4.0390% | 1,529 |
| Noninterest income to average assets | 0.5509% | 2,908 |
| Noninterest expense to average assets | 3.0288% | 2,267 |
| Loan and lease loss provision to assets | 0.0963% | 2,442 |
| Net operating income to assets | 1.1594% | 1,649 |
| Return on assets (ROA) | 1.1587% | 1,750 |
| Pretax return on assets | 1.1587% | 2,859 |
| Return on Equity (ROE) | 11.1374% | 1,528 |
| Retained earnings to average equity (ytd only) | 4.9228% | 2,394 |
| Net charge-offs to loans | 0.0167% | 3,737 |
| Credit loss provision to net charge-offs | 900.0000% | 419 |
| Earnings coverage of net charge-offs (x) | 117.3750% | 513 |
| Efficiency ratio | 70.6929% | 2,794 |
| Assets per employee ($millions) | 3.5314% | 4,715 |
| Cash dividends to net income (ytd only)* | 55.7992% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 948 |
| Loan loss allowance to noncurrent loans | 4,273.1707% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 4,429 |
| Noncurrent loans to loans | 0.0421% | 5,080 |
| Net loans and leases to total assets | 64.4916% | 3,289 |
| Net loans and leases to deposits | 72.2555% | 3,687 |
| Net loans and leases to core deposits | 80.9790% | 3,315 |
| Total domestic deposits to total assets | 89.2550% | 980 |
| Equity capital to assets | 10.4625% | 3,199 |
| Core capital (leverage) ratio | 10.1818% | 3,247 |
| Tier 1 risk-based capital ratio | 15.1820% | 2,891 |
| Total risk-based capital ratio | 16.4383% | 2,823 |
| Memoranda: | ||
| Average total assets | $149,561,800 | 3,530 |
| Average earning assets | $138,253,600 | 3,518 |
| Average equity | $15,560,200 | 3,751 |
| Average total loans | $95,813,200 | 3,464 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 2,481 |
| Cost of funding earning assets | 0.1931% | 5,137 |
| Net interest margin | 4.0175% | 1,601 |
| Noninterest income to average assets | 0.5471% | 2,931 |
| Noninterest expense to average assets | 3.0354% | 2,214 |
| Loan and lease loss provision to assets | 0.1112% | 2,071 |
| Net operating income to assets | 1.1209% | 1,913 |
| Return on assets (ROA) | 1.1200% | 2,024 |
| Pretax return on assets | 1.1200% | 3,148 |
| Return on Equity (ROE) | 10.7806% | 1,755 |
| Retained earnings to average equity (ytd only) | 4.7866% | 2,965 |
| Net charge-offs to loans | 0.0210% | 3,275 |
| Credit loss provision to net charge-offs | 833.3333% | 481 |
| Earnings coverage of net charge-offs (x) | 92.3310% | 698 |
| Efficiency ratio | 71.1278% | 2,716 |
| Assets per employee ($millions) | 3.5411% | 4,726 |
| Cash dividends to net income (ytd only)* | 55.5998% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 1,092 |
| Loan loss allowance to noncurrent loans | 2,167.5000% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 4,410 |
| Noncurrent loans to loans | 0.0810% | 5,027 |
| Net loans and leases to total assets | 66.8366% | 2,980 |
| Net loans and leases to deposits | 75.4774% | 3,454 |
| Net loans and leases to core deposits | 85.1828% | 3,022 |
| Total domestic deposits to total assets | 88.5518% | 1,132 |
| Equity capital to assets | 11.0191% | 2,990 |
| Core capital (leverage) ratio | 10.1411% | 3,392 |
| Tier 1 risk-based capital ratio | 14.8983% | 3,097 |
| Total risk-based capital ratio | 16.1527% | 3,024 |
| Memoranda: | ||
| Average total assets | $149,872,250 | 3,542 |
| Average earning assets | $138,789,250 | 3,533 |
| Average equity | $15,570,750 | 3,777 |
| Average total loans | $95,415,000 | 3,482 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 2,564 |
| Cost of funding earning assets | 0.1965% | 5,181 |
| Net interest margin | 3.9869% | 1,681 |
| Noninterest income to average assets | 0.5296% | 3,009 |
| Noninterest expense to average assets | 3.0191% | 2,279 |
| Loan and lease loss provision to assets | 0.1096% | 2,039 |
| Net operating income to assets | 1.0988% | 1,961 |
| Return on assets (ROA) | 1.0975% | 2,088 |
| Pretax return on assets | 1.0975% | 3,205 |
| Return on Equity (ROE) | 10.7724% | 1,729 |
| Retained earnings to average equity (ytd only) | 4.9390% | 2,778 |
| Net charge-offs to loans | 0.0191% | 3,115 |
| Credit loss provision to net charge-offs | 922.2222% | 400 |
| Earnings coverage of net charge-offs (x) | 101.6667% | 569 |
| Efficiency ratio | 71.4152% | 2,757 |
| Assets per employee ($millions) | 3.5773% | 4,636 |
| Cash dividends to net income (ytd only)* | 54.1516% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 1,044 |
| Loan loss allowance to noncurrent loans | 1,170.3448% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 4,351 |
| Noncurrent loans to loans | 0.1557% | 4,814 |
| Net loans and leases to total assets | 60.8334% | 3,772 |
| Net loans and leases to deposits | 68.2443% | 4,158 |
| Net loans and leases to core deposits | 76.0724% | 3,815 |
| Total domestic deposits to total assets | 89.1406% | 855 |
| Equity capital to assets | 10.5140% | 3,619 |
| Core capital (leverage) ratio | 9.8183% | 3,789 |
| Tier 1 risk-based capital ratio | 14.5323% | 3,304 |
| Total risk-based capital ratio | 15.7881% | 3,229 |
| Memoranda: | ||
| Average total assets | $151,435,000 | 3,541 |
| Average earning assets | $140,459,670 | 3,534 |
| Average equity | $15,428,330 | 3,809 |
| Average total loans | $94,296,670 | 3,513 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 2,526 |
| Cost of funding earning assets | 0.2050% | 5,154 |
| Net interest margin | 3.9807% | 1,669 |
| Noninterest income to average assets | 0.4394% | 3,549 |
| Noninterest expense to average assets | 2.9968% | 2,402 |
| Loan and lease loss provision to assets | 0.1105% | 1,887 |
| Net operating income to assets | 1.0103% | 2,226 |
| Return on assets (ROA) | 1.0077% | 2,356 |
| Pretax return on assets | 1.0077% | 3,450 |
| Return on Equity (ROE) | 10.0499% | 1,966 |
| Retained earnings to average equity (ytd only) | 3.4899% | 3,751 |
| Net charge-offs to loans | 0.0422% | 2,163 |
| Credit loss provision to net charge-offs | 420.0000% | 684 |
| Earnings coverage of net charge-offs (x) | 42.6000% | 976 |
| Efficiency ratio | 72.7796% | 2,686 |
| Assets per employee ($millions) | 3.5696% | 4,704 |
| Cash dividends to net income (ytd only)* | 65.2742% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 1,179 |
| Loan loss allowance to noncurrent loans | 1,111.4094% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 4,403 |
| Noncurrent loans to loans | 0.1606% | 4,849 |
| Net loans and leases to total assets | 60.7601% | 3,683 |
| Net loans and leases to deposits | 67.9319% | 4,066 |
| Net loans and leases to core deposits | 77.6378% | 3,527 |
| Total domestic deposits to total assets | 89.4427% | 863 |
| Equity capital to assets | 10.3019% | 3,743 |
| Core capital (leverage) ratio | 9.3707% | 4,396 |
| Tier 1 risk-based capital ratio | 14.5865% | 3,347 |
| Total risk-based capital ratio | 15.8424% | 3,280 |
| Memoranda: | ||
| Average total assets | $152,028,500 | 3,556 |
| Average earning assets | $140,476,500 | 3,552 |
| Average equity | $15,244,000 | 3,846 |
| Average total loans | $94,896,000 | 3,514 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 2,599 |
| Cost of funding earning assets | 0.1821% | 5,429 |
| Net interest margin | 4.0053% | 1,699 |
| Noninterest income to average assets | 0.6731% | 2,332 |
| Noninterest expense to average assets | 3.0531% | 2,372 |
| Loan and lease loss provision to assets | 0.1131% | 2,117 |
| Net operating income to assets | 1.1787% | 1,630 |
| Return on assets (ROA) | 1.1780% | 1,708 |
| Pretax return on assets | 1.1780% | 2,739 |
| Return on Equity (ROE) | 12.1573% | 1,261 |
| Retained earnings to average equity (ytd only) | 5.5192% | 2,074 |
| Net charge-offs to loans | 0.0075% | 4,179 |
| Credit loss provision to net charge-offs | 2,428.5714% | 143 |
| Earnings coverage of net charge-offs (x) | 277.4286% | 262 |
| Efficiency ratio | 70.2694% | 3,181 |
| Assets per employee ($millions) | 3.5845% | 4,665 |
| Cash dividends to net income (ytd only)* | 54.6019% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 1,408 |
| Loan loss allowance to noncurrent loans | 845.8333% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 4,361 |
| Noncurrent loans to loans | 0.1979% | 4,703 |
| Net loans and leases to total assets | 61.9063% | 3,576 |
| Net loans and leases to deposits | 68.7707% | 4,053 |
| Net loans and leases to core deposits | 77.0974% | 3,658 |
| Total domestic deposits to total assets | 90.0184% | 625 |
| Equity capital to assets | 9.7598% | 4,232 |
| Core capital (leverage) ratio | 9.2040% | 4,611 |
| Tier 1 risk-based capital ratio | 13.9171% | 3,762 |
| Total risk-based capital ratio | 15.1712% | 3,687 |
| Memoranda: | ||
| Average total assets | $150,339,600 | 3,567 |
| Average earning assets | $137,816,600 | 3,566 |
| Average equity | $14,567,400 | 3,894 |
| Average total loans | $92,845,000 | 3,525 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1830% | 2,635 |
| Cost of funding earning assets | 0.1814% | 5,539 |
| Net interest margin | 4.0016% | 1,700 |
| Noninterest income to average assets | 0.6506% | 2,479 |
| Noninterest expense to average assets | 3.0960% | 2,232 |
| Loan and lease loss provision to assets | 0.0973% | 2,227 |
| Net operating income to assets | 1.1201% | 1,922 |
| Return on assets (ROA) | 1.1192% | 2,000 |
| Pretax return on assets | 1.1192% | 3,141 |
| Return on Equity (ROE) | 11.5719% | 1,506 |
| Retained earnings to average equity (ytd only) | 5.1123% | 2,837 |
| Net charge-offs to loans | 0.0102% | 3,817 |
| Credit loss provision to net charge-offs | 1,557.1429% | 227 |
| Earnings coverage of net charge-offs (x) | 194.9218% | 366 |
| Efficiency ratio | 71.7774% | 2,922 |
| Assets per employee ($millions) | 3.5826% | 4,641 |
| Cash dividends to net income (ytd only)* | 55.8213% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 1,684 |
| Loan loss allowance to noncurrent loans | 236.1027% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 4,026 |
| Noncurrent loans to loans | 0.6893% | 3,254 |
| Net loans and leases to total assets | 62.7919% | 3,485 |
| Net loans and leases to deposits | 69.9978% | 3,989 |
| Net loans and leases to core deposits | 78.8574% | 3,522 |
| Total domestic deposits to total assets | 89.7056% | 690 |
| Equity capital to assets | 9.8983% | 4,288 |
| Core capital (leverage) ratio | 9.1464% | 4,816 |
| Tier 1 risk-based capital ratio | 13.8886% | 3,908 |
| Total risk-based capital ratio | 15.1426% | 3,848 |
| Memoranda: | ||
| Average total assets | $149,391,250 | 3,610 |
| Average earning assets | $136,741,000 | 3,617 |
| Average equity | $14,448,500 | 3,957 |
| Average total loans | $91,795,750 | 3,582 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 2,443 |
| Cost of funding earning assets | 0.1857% | 5,568 |
| Net interest margin | 4.0411% | 1,520 |
| Noninterest income to average assets | 0.6079% | 2,687 |
| Noninterest expense to average assets | 3.0799% | 2,303 |
| Loan and lease loss provision to assets | 0.0832% | 2,454 |
| Net operating income to assets | 1.1246% | 1,861 |
| Return on assets (ROA) | 1.1233% | 1,952 |
| Pretax return on assets | 1.1233% | 3,079 |
| Return on Equity (ROE) | 11.7063% | 1,470 |
| Retained earnings to average equity (ytd only) | 5.4126% | 2,594 |
| Net charge-offs to loans | 0.0376% | 2,930 |
| Credit loss provision to net charge-offs | 364.7059% | 804 |
| Earnings coverage of net charge-offs (x) | 52.9412% | 915 |
| Efficiency ratio | 71.8310% | 3,023 |
| Assets per employee ($millions) | 3.6667% | 4,501 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 2,009 |
| Loan loss allowance to noncurrent loans | 3,765.0000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 5,784 |
| Noncurrent loans to loans | 0.0417% | 5,579 |
| Net loans and leases to total assets | 61.2930% | 3,654 |
| Net loans and leases to deposits | 67.8945% | 4,146 |
| Net loans and leases to core deposits | 77.0065% | 3,665 |
| Total domestic deposits to total assets | 90.2768% | 548 |
| Equity capital to assets | 9.4290% | 4,739 |
| Core capital (leverage) ratio | 9.0954% | 4,822 |
| Tier 1 risk-based capital ratio | 14.0076% | 3,915 |
| Total risk-based capital ratio | 15.2613% | 3,852 |
| Memoranda: | ||
| Average total assets | $149,031,670 | 3,642 |
| Average earning assets | $135,705,000 | 3,668 |
| Average equity | $14,300,000 | 4,000 |
| Average total loans | $90,379,000 | 3,627 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 2,980 |
| Cost of funding earning assets | 0.1952% | 5,555 |
| Net interest margin | 3.8681% | 2,005 |
| Noninterest income to average assets | 0.5623% | 2,874 |
| Noninterest expense to average assets | 3.0625% | 2,388 |
| Loan and lease loss provision to assets | 0.0409% | 3,095 |
| Net operating income to assets | 0.9744% | 2,367 |
| Return on assets (ROA) | 0.9744% | 2,505 |
| Pretax return on assets | 0.9744% | 3,588 |
| Return on Equity (ROE) | 10.0638% | 1,972 |
| Retained earnings to average equity (ytd only) | 3.0163% | 4,170 |
| Net charge-offs to loans | 0.0730% | 1,983 |
| Credit loss provision to net charge-offs | 93.7500% | 1,719 |
| Earnings coverage of net charge-offs (x) | 23.2500% | 1,329 |
| Efficiency ratio | 75.1004% | 2,644 |
| Assets per employee ($millions) | 3.5081% | 4,882 |
| Cash dividends to net income (ytd only)* | 70.0280% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 2,108 |
| Loan loss allowance to noncurrent loans | 3,318.1818% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 5,822 |
| Noncurrent loans to loans | 0.0477% | 5,593 |
| Net loans and leases to total assets | 61.5608% | 3,438 |
| Net loans and leases to deposits | 68.3653% | 3,919 |
| Net loans and leases to core deposits | 77.7246% | 3,409 |
| Total domestic deposits to total assets | 90.0468% | 731 |
| Equity capital to assets | 9.7265% | 4,468 |
| Core capital (leverage) ratio | 9.0581% | 4,889 |
| Tier 1 risk-based capital ratio | 14.5291% | 3,701 |
| Total risk-based capital ratio | 15.7815% | 3,630 |
| Memoranda: | ||
| Average total assets | $146,546,000 | 3,704 |
| Average earning assets | $133,192,500 | 3,734 |
| Average equity | $14,189,500 | 4,045 |
| Average total loans | $87,619,000 | 3,710 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0640% | 3,465 |
| Cost of funding earning assets | 0.1935% | 5,803 |
| Net interest margin | 3.8705% | 2,358 |
| Noninterest income to average assets | 0.7140% | 2,239 |
| Noninterest expense to average assets | 3.0931% | 2,538 |
| Loan and lease loss provision to assets | 0.0713% | 3,061 |
| Net operating income to assets | 1.0216% | 2,293 |
| Return on assets (ROA) | 1.0414% | 2,283 |
| Pretax return on assets | 1.0414% | 3,342 |
| Return on Equity (ROE) | 11.4079% | 1,589 |
| Retained earnings to average equity (ytd only) | 8.5096% | 826 |
| Net charge-offs to loans | 0.0052% | 4,842 |
| Credit loss provision to net charge-offs | 2,525.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 387.2500% | 138 |
| Efficiency ratio | 73.8918% | 2,856 |
| Assets per employee ($millions) | 3.5550% | 4,810 |
| Cash dividends to net income (ytd only)* | 25.4065% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 1,637 |
| Loan loss allowance to noncurrent loans | 1,826.2500% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 5,796 |
| Noncurrent loans to loans | 0.0963% | 5,508 |
| Net loans and leases to total assets | 55.9947% | 4,334 |
| Net loans and leases to deposits | 62.2082% | 4,709 |
| Net loans and leases to core deposits | 69.5920% | 4,359 |
| Total domestic deposits to total assets | 90.0119% | 726 |
| Equity capital to assets | 9.6382% | 4,543 |
| Core capital (leverage) ratio | 9.2532% | 4,599 |
| Tier 1 risk-based capital ratio | 15.2758% | 3,330 |
| Total risk-based capital ratio | 16.5307% | 3,277 |
| Memoranda: | ||
| Average total assets | $141,735,200 | 3,765 |
| Average earning assets | $127,141,400 | 3,820 |
| Average equity | $12,938,400 | 4,207 |
| Average total loans | $77,649,400 | 3,944 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,528 |
| Cost of funding earning assets | 0.1960% | 5,866 |
| Net interest margin | 3.8621% | 2,381 |
| Noninterest income to average assets | 0.7314% | 2,176 |
| Noninterest expense to average assets | 3.1265% | 2,393 |
| Loan and lease loss provision to assets | 0.0711% | 2,928 |
| Net operating income to assets | 0.9881% | 2,509 |
| Return on assets (ROA) | 0.9976% | 2,524 |
| Pretax return on assets | 0.9976% | 3,602 |
| Return on Equity (ROE) | 11.0889% | 1,758 |
| Retained earnings to average equity (ytd only) | 9.0881% | 961 |
| Net charge-offs to loans | 0.0035% | 4,579 |
| Credit loss provision to net charge-offs | 3,750.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 558.2884% | 137 |
| Efficiency ratio | 74.6944% | 2,702 |
| Assets per employee ($millions) | 3.3602% | 5,118 |
| Cash dividends to net income (ytd only)* | 18.0440% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 1,791 |
| Loan loss allowance to noncurrent loans | 2,993.7500% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 6,032 |
| Noncurrent loans to loans | 0.0588% | 5,779 |
| Net loans and leases to total assets | 56.7930% | 4,229 |
| Net loans and leases to deposits | 62.9433% | 4,650 |
| Net loans and leases to core deposits | 70.1985% | 4,306 |
| Total domestic deposits to total assets | 90.2289% | 639 |
| Equity capital to assets | 9.4261% | 4,888 |
| Core capital (leverage) ratio | 9.2731% | 4,674 |
| Tier 1 risk-based capital ratio | 15.2108% | 3,465 |
| Total risk-based capital ratio | 16.4657% | 3,410 |
| Memoranda: | ||
| Average total assets | $140,730,750 | 3,815 |
| Average earning assets | $125,868,250 | 3,880 |
| Average equity | $12,661,000 | 4,280 |
| Average total loans | $76,293,000 | 4,023 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 3,899 |
| Cost of funding earning assets | 0.1978% | 5,934 |
| Net interest margin | 3.7623% | 2,704 |
| Noninterest income to average assets | 0.6501% | 2,545 |
| Noninterest expense to average assets | 3.0683% | 2,600 |
| Loan and lease loss provision to assets | 0.0612% | 3,049 |
| Net operating income to assets | 0.8748% | 2,937 |
| Return on assets (ROA) | 0.8720% | 3,037 |
| Pretax return on assets | 0.8720% | 3,986 |
| Return on Equity (ROE) | 9.8498% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.8498% | 757 |
| Net charge-offs to loans | 0.0054% | 4,201 |
| Credit loss provision to net charge-offs | 2,150.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 329.0000% | 211 |
| Efficiency ratio | 76.6252% | 2,515 |
| Assets per employee ($millions) | 3.3765% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 1,755 |
| Loan loss allowance to noncurrent loans | 2,754.9020% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 6,099 |
| Noncurrent loans to loans | 0.0665% | 5,825 |
| Net loans and leases to total assets | 53.0857% | 4,633 |
| Net loans and leases to deposits | 58.6929% | 4,982 |
| Net loans and leases to core deposits | 66.1910% | 4,618 |
| Total domestic deposits to total assets | 90.4466% | 608 |
| Equity capital to assets | 9.2635% | 5,018 |
| Core capital (leverage) ratio | 9.1912% | 4,755 |
| Tier 1 risk-based capital ratio | 15.2634% | 3,487 |
| Total risk-based capital ratio | 16.5186% | 3,434 |
| Memoranda: | ||
| Average total assets | $140,597,670 | 3,839 |
| Average earning assets | $125,350,330 | 3,905 |
| Average equity | $12,447,000 | 4,324 |
| Average total loans | $74,527,670 | 4,088 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 4,399 |
| Cost of funding earning assets | 0.2004% | 5,995 |
| Net interest margin | 3.6194% | 3,173 |
| Noninterest income to average assets | 0.6486% | 2,472 |
| Noninterest expense to average assets | 2.9802% | 2,936 |
| Loan and lease loss provision to assets | 0.0600% | 2,908 |
| Net operating income to assets | 0.8601% | 2,855 |
| Return on assets (ROA) | 0.8543% | 2,944 |
| Pretax return on assets | 0.8543% | 3,884 |
| Return on Equity (ROE) | 9.8827% | 2,086 |
| Retained earnings to average equity (ytd only) | 9.8827% | 994 |
| Net charge-offs to loans | -0.0054% | 4,839 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4103% | 2,738 |
| Assets per employee ($millions) | 3.4061% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7868% | 2,079 |
| Loan loss allowance to noncurrent loans | 2,665.3846% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 6,183 |
| Noncurrent loans to loans | 0.0670% | 5,941 |
| Net loans and leases to total assets | 54.5535% | 4,345 |
| Net loans and leases to deposits | 60.0095% | 4,759 |
| Net loans and leases to core deposits | 68.0077% | 4,307 |
| Total domestic deposits to total assets | 90.9081% | 611 |
| Equity capital to assets | 8.8728% | 5,253 |
| Core capital (leverage) ratio | 8.9726% | 5,056 |
| Tier 1 risk-based capital ratio | 14.6203% | 3,936 |
| Total risk-based capital ratio | 15.8754% | 3,883 |
| Memoranda: | ||
| Average total assets | $139,989,500 | 3,879 |
| Average earning assets | $125,767,500 | 3,931 |
| Average equity | $12,102,000 | 4,402 |
| Average total loans | $73,447,500 | 4,152 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9708% | 4,194 |
| Cost of funding earning assets | 0.2135% | 6,211 |
| Net interest margin | 3.7573% | 2,815 |
| Noninterest income to average assets | 0.7195% | 2,433 |
| Noninterest expense to average assets | 2.8942% | 3,389 |
| Loan and lease loss provision to assets | 0.0493% | 4,144 |
| Net operating income to assets | 1.1168% | 1,878 |
| Return on assets (ROA) | 1.1183% | 1,938 |
| Pretax return on assets | 1.1183% | 2,892 |
| Return on Equity (ROE) | 12.8376% | 1,199 |
| Retained earnings to average equity (ytd only) | 11.0218% | 415 |
| Net charge-offs to loans | -0.0154% | 6,095 |
| Credit loss provision to net charge-offs | -609.0909% | 6,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2810% | 3,617 |
| Assets per employee ($millions) | 3.4226% | 5,036 |
| Cash dividends to net income (ytd only)* | 14.1447% | 3,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9676% | 1,630 |
| Loan loss allowance to noncurrent loans | 2,525.9259% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 6,263 |
| Noncurrent loans to loans | 0.0779% | 5,983 |
| Net loans and leases to total assets | 48.4297% | 5,248 |
| Net loans and leases to deposits | 52.9828% | 5,550 |
| Net loans and leases to core deposits | 59.0890% | 5,296 |
| Total domestic deposits to total assets | 91.4065% | 433 |
| Equity capital to assets | 8.4182% | 5,668 |
| Core capital (leverage) ratio | 8.9575% | 5,065 |
| Tier 1 risk-based capital ratio | 15.3284% | 3,465 |
| Total risk-based capital ratio | 16.5845% | 3,416 |
| Memoranda: | ||
| Average total assets | $135,925,400 | 3,960 |
| Average earning assets | $120,856,800 | 4,030 |
| Average equity | $11,840,200 | 4,474 |
| Average total loans | $71,423,000 | 4,209 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 3,987 |
| Cost of funding earning assets | 0.2199% | 6,293 |
| Net interest margin | 3.8177% | 2,582 |
| Noninterest income to average assets | 0.7051% | 2,576 |
| Noninterest expense to average assets | 2.9321% | 3,203 |
| Loan and lease loss provision to assets | 0.0504% | 4,006 |
| Net operating income to assets | 1.1046% | 1,988 |
| Return on assets (ROA) | 1.1066% | 2,055 |
| Pretax return on assets | 1.1066% | 3,089 |
| Return on Equity (ROE) | 12.5936% | 1,335 |
| Retained earnings to average equity (ytd only) | 10.1739% | 753 |
| Net charge-offs to loans | -0.0204% | 6,048 |
| Credit loss provision to net charge-offs | -463.6364% | 6,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7397% | 3,451 |
| Assets per employee ($millions) | 3.2737% | 5,334 |
| Cash dividends to net income (ytd only)* | 19.2137% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 2,087 |
| Loan loss allowance to noncurrent loans | 2,407.1429% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 6,347 |
| Noncurrent loans to loans | 0.0777% | 6,103 |
| Net loans and leases to total assets | 52.7112% | 4,791 |
| Net loans and leases to deposits | 57.8071% | 5,211 |
| Net loans and leases to core deposits | 64.5249% | 4,844 |
| Total domestic deposits to total assets | 91.1846% | 461 |
| Equity capital to assets | 8.4034% | 5,831 |
| Core capital (leverage) ratio | 8.8754% | 5,284 |
| Tier 1 risk-based capital ratio | 14.8475% | 3,845 |
| Total risk-based capital ratio | 16.1031% | 3,804 |
| Memoranda: | ||
| Average total assets | $134,825,000 | 4,018 |
| Average earning assets | $119,441,250 | 4,105 |
| Average equity | $11,847,000 | 4,528 |
| Average total loans | $71,947,750 | 4,230 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 4,467 |
| Cost of funding earning assets | 0.2274% | 6,321 |
| Net interest margin | 3.6746% | 3,065 |
| Noninterest income to average assets | 0.6680% | 2,807 |
| Noninterest expense to average assets | 2.8661% | 3,452 |
| Loan and lease loss provision to assets | 0.0504% | 3,981 |
| Net operating income to assets | 1.0072% | 2,300 |
| Return on assets (ROA) | 1.0057% | 2,444 |
| Pretax return on assets | 1.0057% | 3,488 |
| Return on Equity (ROE) | 11.2825% | 1,724 |
| Retained earnings to average equity (ytd only) | 7.7100% | 1,591 |
| Net charge-offs to loans | -0.0278% | 6,078 |
| Credit loss provision to net charge-offs | -340.0000% | 5,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0464% | 3,300 |
| Assets per employee ($millions) | 3.1869% | 5,512 |
| Cash dividends to net income (ytd only)* | 31.6642% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8324% | 2,323 |
| Loan loss allowance to noncurrent loans | 406.7278% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 5,755 |
| Noncurrent loans to loans | 0.4505% | 5,136 |
| Net loans and leases to total assets | 53.2328% | 4,707 |
| Net loans and leases to deposits | 58.6636% | 5,101 |
| Net loans and leases to core deposits | 65.9805% | 4,691 |
| Total domestic deposits to total assets | 90.7425% | 649 |
| Equity capital to assets | 8.9744% | 5,247 |
| Core capital (leverage) ratio | 8.6830% | 5,447 |
| Tier 1 risk-based capital ratio | 14.7312% | 3,957 |
| Total risk-based capital ratio | 15.9877% | 3,919 |
| Memoranda: | ||
| Average total assets | $135,026,670 | 4,041 |
| Average earning assets | $119,631,000 | 4,125 |
| Average equity | $12,036,330 | 4,523 |
| Average total loans | $71,898,000 | 4,243 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 4,485 |
| Cost of funding earning assets | 0.2372% | 6,367 |
| Net interest margin | 3.6583% | 3,043 |
| Noninterest income to average assets | 0.6548% | 2,854 |
| Noninterest expense to average assets | 2.8581% | 3,511 |
| Loan and lease loss provision to assets | 0.0501% | 3,784 |
| Net operating income to assets | 0.9763% | 2,335 |
| Return on assets (ROA) | 0.9733% | 2,469 |
| Pretax return on assets | 0.9733% | 3,468 |
| Return on Equity (ROE) | 10.9557% | 1,725 |
| Retained earnings to average equity (ytd only) | 3.8179% | 3,938 |
| Net charge-offs to loans | -0.0727% | 6,295 |
| Credit loss provision to net charge-offs | -130.7692% | 5,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5763% | 3,337 |
| Assets per employee ($millions) | 3.2862% | 5,463 |
| Cash dividends to net income (ytd only)* | 65.1515% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 2,510 |
| Loan loss allowance to noncurrent loans | 394.0120% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 5,733 |
| Noncurrent loans to loans | 0.4649% | 5,260 |
| Net loans and leases to total assets | 52.3420% | 4,654 |
| Net loans and leases to deposits | 57.6924% | 5,076 |
| Net loans and leases to core deposits | 65.4472% | 4,596 |
| Total domestic deposits to total assets | 90.7261% | 658 |
| Equity capital to assets | 8.9124% | 5,599 |
| Core capital (leverage) ratio | 8.2392% | 5,893 |
| Tier 1 risk-based capital ratio | 14.4174% | 4,233 |
| Total risk-based capital ratio | 15.6729% | 4,195 |
| Memoranda: | ||
| Average total assets | $135,616,000 | 4,074 |
| Average earning assets | $119,727,000 | 4,157 |
| Average equity | $12,048,500 | 4,564 |
| Average total loans | $71,556,500 | 4,291 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0188% | 5,249 |
| Cost of funding earning assets | 0.3123% | 6,395 |
| Net interest margin | 3.7066% | 3,618 |
| Noninterest income to average assets | 0.6317% | 3,099 |
| Noninterest expense to average assets | 2.8555% | 3,831 |
| Loan and lease loss provision to assets | 0.0473% | 5,240 |
| Net operating income to assets | 1.0162% | 2,270 |
| Return on assets (ROA) | 1.0482% | 2,329 |
| Pretax return on assets | 1.0482% | 3,363 |
| Return on Equity (ROE) | 11.6563% | 1,608 |
| Retained earnings to average equity (ytd only) | 4.0721% | 3,350 |
| Net charge-offs to loans | 0.0480% | 5,244 |
| Credit loss provision to net charge-offs | 193.7500% | 1,346 |
| Earnings coverage of net charge-offs (x) | 43.5625% | 746 |
| Efficiency ratio | 72.8635% | 3,263 |
| Assets per employee ($millions) | 3.3292% | 5,364 |
| Cash dividends to net income (ytd only)* | 65.0655% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 2,573 |
| Loan loss allowance to noncurrent loans | 1,530.9524% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 6,462 |
| Noncurrent loans to loans | 0.1179% | 6,183 |
| Net loans and leases to total assets | 51.2744% | 5,000 |
| Net loans and leases to deposits | 56.4751% | 5,397 |
| Net loans and leases to core deposits | 63.3201% | 5,034 |
| Total domestic deposits to total assets | 90.7911% | 573 |
| Equity capital to assets | 8.8565% | 5,678 |
| Core capital (leverage) ratio | 8.2575% | 5,934 |
| Tier 1 risk-based capital ratio | 14.0670% | 4,331 |
| Total risk-based capital ratio | 15.3220% | 4,289 |
| Memoranda: | ||
| Average total assets | $131,080,000 | 4,122 |
| Average earning assets | $116,253,000 | 4,206 |
| Average equity | $11,787,600 | 4,613 |
| Average total loans | $66,724,000 | 4,470 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 5,459 |
| Cost of funding earning assets | 0.3302% | 6,465 |
| Net interest margin | 3.6900% | 3,839 |
| Noninterest income to average assets | 0.6002% | 3,269 |
| Noninterest expense to average assets | 2.8716% | 3,702 |
| Loan and lease loss provision to assets | 0.0473% | 5,181 |
| Net operating income to assets | 0.9661% | 2,676 |
| Return on assets (ROA) | 0.9949% | 2,760 |
| Pretax return on assets | 0.9949% | 3,735 |
| Return on Equity (ROE) | 11.0195% | 1,954 |
| Retained earnings to average equity (ytd only) | 3.1191% | 4,677 |
| Net charge-offs to loans | 0.0651% | 4,771 |
| Credit loss provision to net charge-offs | 143.7500% | 1,995 |
| Earnings coverage of net charge-offs (x) | 30.8092% | 1,073 |
| Efficiency ratio | 73.9153% | 2,998 |
| Assets per employee ($millions) | 3.2267% | 5,586 |
| Cash dividends to net income (ytd only)* | 71.6944% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8039% | 2,784 |
| Loan loss allowance to noncurrent loans | 4,093.5484% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 6,708 |
| Noncurrent loans to loans | 0.0441% | 6,508 |
| Net loans and leases to total assets | 53.5215% | 4,818 |
| Net loans and leases to deposits | 59.1279% | 5,303 |
| Net loans and leases to core deposits | 67.1606% | 4,818 |
| Total domestic deposits to total assets | 90.5180% | 594 |
| Equity capital to assets | 9.1542% | 5,646 |
| Core capital (leverage) ratio | 8.3003% | 6,008 |
| Tier 1 risk-based capital ratio | 14.1812% | 4,392 |
| Total risk-based capital ratio | 15.4363% | 4,355 |
| Memoranda: | ||
| Average total assets | $129,725,250 | 4,192 |
| Average earning assets | $115,480,500 | 4,258 |
| Average equity | $11,712,250 | 4,671 |
| Average total loans | $65,586,250 | 4,569 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 5,572 |
| Cost of funding earning assets | 0.3481% | 6,518 |
| Net interest margin | 3.6759% | 3,939 |
| Noninterest income to average assets | 0.5618% | 3,514 |
| Noninterest expense to average assets | 2.8843% | 3,683 |
| Loan and lease loss provision to assets | 0.0446% | 5,117 |
| Net operating income to assets | 0.8835% | 2,989 |
| Return on assets (ROA) | 0.9265% | 3,040 |
| Pretax return on assets | 0.9265% | 3,978 |
| Return on Equity (ROE) | 10.3100% | 2,232 |
| Retained earnings to average equity (ytd only) | 3.2540% | 4,448 |
| Net charge-offs to loans | 0.1125% | 4,054 |
| Credit loss provision to net charge-offs | 80.5556% | 3,307 |
| Earnings coverage of net charge-offs (x) | 16.7500% | 1,571 |
| Efficiency ratio | 75.6560% | 2,798 |
| Assets per employee ($millions) | 3.3622% | 5,296 |
| Cash dividends to net income (ytd only)* | 68.4385% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 2,684 |
| Loan loss allowance to noncurrent loans | 3,673.5294% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 6,444 |
| Noncurrent loans to loans | 0.0505% | 6,552 |
| Net loans and leases to total assets | 50.3657% | 5,312 |
| Net loans and leases to deposits | 55.5202% | 5,704 |
| Net loans and leases to core deposits | 63.4023% | 5,269 |
| Total domestic deposits to total assets | 90.7159% | 554 |
| Equity capital to assets | 9.0020% | 5,700 |
| Core capital (leverage) ratio | 8.3772% | 5,822 |
| Tier 1 risk-based capital ratio | 14.2100% | 4,300 |
| Total risk-based capital ratio | 15.4655% | 4,260 |
| Memoranda: | ||
| Average total assets | $129,945,000 | 4,212 |
| Average earning assets | $114,909,670 | 4,293 |
| Average equity | $11,678,000 | 4,680 |
| Average total loans | $63,999,330 | 4,638 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 5,672 |
| Cost of funding earning assets | 0.3606% | 6,598 |
| Net interest margin | 3.6694% | 3,965 |
| Noninterest income to average assets | 0.5164% | 3,803 |
| Noninterest expense to average assets | 2.8820% | 3,699 |
| Loan and lease loss provision to assets | 0.0371% | 4,919 |
| Net operating income to assets | 0.8380% | 3,208 |
| Return on assets (ROA) | 0.8318% | 3,472 |
| Pretax return on assets | 0.8318% | 4,294 |
| Return on Equity (ROE) | 9.2639% | 2,703 |
| Retained earnings to average equity (ytd only) | 2.3762% | 5,075 |
| Net charge-offs to loans | 0.0577% | 3,926 |
| Credit loss provision to net charge-offs | 133.3333% | 1,827 |
| Earnings coverage of net charge-offs (x) | 31.4444% | 886 |
| Efficiency ratio | 76.7078% | 2,686 |
| Assets per employee ($millions) | 3.3336% | 5,486 |
| Cash dividends to net income (ytd only)* | 74.3494% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 2,502 |
| Loan loss allowance to noncurrent loans | 1,824.6377% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 6,470 |
| Noncurrent loans to loans | 0.1073% | 6,491 |
| Net loans and leases to total assets | 48.5105% | 5,485 |
| Net loans and leases to deposits | 53.3606% | 5,873 |
| Net loans and leases to core deposits | 61.2844% | 5,406 |
| Total domestic deposits to total assets | 90.9108% | 597 |
| Equity capital to assets | 8.8946% | 5,643 |
| Core capital (leverage) ratio | 8.1324% | 6,115 |
| Tier 1 risk-based capital ratio | 14.2785% | 4,256 |
| Total risk-based capital ratio | 15.5340% | 4,224 |
| Memoranda: | ||
| Average total assets | $129,354,000 | 4,250 |
| Average earning assets | $114,242,000 | 4,332 |
| Average equity | $11,615,000 | 4,698 |
| Average total loans | $62,353,000 | 4,721 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 5,242 |
| Cost of funding earning assets | 0.5037% | 6,513 |
| Net interest margin | 3.9493% | 3,112 |
| Noninterest income to average assets | 0.7596% | 2,283 |
| Noninterest expense to average assets | 3.0637% | 3,340 |
| Loan and lease loss provision to assets | 0.0463% | 5,997 |
| Net operating income to assets | 1.1110% | 1,791 |
| Return on assets (ROA) | 1.1102% | 1,908 |
| Pretax return on assets | 1.1102% | 2,800 |
| Return on Equity (ROE) | 12.0340% | 1,396 |
| Retained earnings to average equity (ytd only) | 1.7769% | 4,947 |
| Net charge-offs to loans | 0.0096% | 6,296 |
| Credit loss provision to net charge-offs | 950.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 237.6667% | 141 |
| Efficiency ratio | 72.5822% | 3,464 |
| Assets per employee ($millions) | 3.2999% | 5,510 |
| Cash dividends to net income (ytd only)* | 85.2339% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0802% | 2,065 |
| Loan loss allowance to noncurrent loans | 664.5503% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 6,314 |
| Noncurrent loans to loans | 0.3130% | 6,107 |
| Net loans and leases to total assets | 45.9389% | 6,019 |
| Net loans and leases to deposits | 50.5865% | 6,319 |
| Net loans and leases to core deposits | 56.6281% | 6,116 |
| Total domestic deposits to total assets | 90.8125% | 581 |
| Equity capital to assets | 9.0647% | 5,476 |
| Core capital (leverage) ratio | 8.3701% | 5,751 |
| Tier 1 risk-based capital ratio | 14.5281% | 3,957 |
| Total risk-based capital ratio | 15.7846% | 3,923 |
| Memoranda: | ||
| Average total assets | $123,218,600 | 4,311 |
| Average earning assets | $107,994,400 | 4,448 |
| Average equity | $11,367,800 | 4,693 |
| Average total loans | $62,634,000 | 4,766 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 5,149 |
| Cost of funding earning assets | 0.5370% | 6,555 |
| Net interest margin | 3.9972% | 2,921 |
| Noninterest income to average assets | 0.7791% | 2,146 |
| Noninterest expense to average assets | 3.1831% | 2,873 |
| Loan and lease loss provision to assets | 0.0295% | 6,069 |
| Net operating income to assets | 1.0526% | 2,130 |
| Return on assets (ROA) | 1.0515% | 2,280 |
| Pretax return on assets | 1.0515% | 3,201 |
| Return on Equity (ROE) | 11.3457% | 1,745 |
| Retained earnings to average equity (ytd only) | 1.3577% | 5,459 |
| Net charge-offs to loans | 0.0148% | 5,945 |
| Credit loss provision to net charge-offs | 385.7143% | 732 |
| Earnings coverage of net charge-offs (x) | 141.3323% | 267 |
| Efficiency ratio | 74.6280% | 3,059 |
| Assets per employee ($millions) | 3.1454% | 5,797 |
| Cash dividends to net income (ytd only)* | 88.0332% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9427% | 2,496 |
| Loan loss allowance to noncurrent loans | 577.8302% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 6,618 |
| Noncurrent loans to loans | 0.3362% | 6,176 |
| Net loans and leases to total assets | 50.4043% | 5,656 |
| Net loans and leases to deposits | 55.9369% | 6,038 |
| Net loans and leases to core deposits | 63.4210% | 5,686 |
| Total domestic deposits to total assets | 90.1092% | 811 |
| Equity capital to assets | 9.4807% | 5,117 |
| Core capital (leverage) ratio | 8.4541% | 5,773 |
| Tier 1 risk-based capital ratio | 14.4865% | 3,988 |
| Total risk-based capital ratio | 15.7431% | 3,956 |
| Memoranda: | ||
| Average total assets | $121,849,000 | 4,368 |
| Average earning assets | $106,272,500 | 4,520 |
| Average equity | $11,293,250 | 4,735 |
| Average total loans | $63,198,000 | 4,792 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5085% | 5,324 |
| Cost of funding earning assets | 0.5617% | 6,620 |
| Net interest margin | 3.9468% | 3,100 |
| Noninterest income to average assets | 0.8176% | 1,936 |
| Noninterest expense to average assets | 3.1964% | 2,910 |
| Loan and lease loss provision to assets | 0.0428% | 5,779 |
| Net operating income to assets | 1.0232% | 2,127 |
| Return on assets (ROA) | 1.0216% | 2,229 |
| Pretax return on assets | 1.0216% | 3,154 |
| Return on Equity (ROE) | 11.1081% | 1,762 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | 0.0158% | 5,623 |
| Credit loss provision to net charge-offs | 520.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 129.6000% | 273 |
| Efficiency ratio | 74.9904% | 3,179 |
| Assets per employee ($millions) | 3.1205% | 5,831 |
| Cash dividends to net income (ytd only)* | 100.0000% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 2,574 |
| Loan loss allowance to noncurrent loans | 542.4779% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 6,609 |
| Noncurrent loans to loans | 0.3559% | 6,204 |
| Net loans and leases to total assets | 51.1648% | 5,671 |
| Net loans and leases to deposits | 56.6481% | 6,079 |
| Net loans and leases to core deposits | 64.8304% | 5,626 |
| Total domestic deposits to total assets | 90.3204% | 802 |
| Equity capital to assets | 9.3107% | 5,122 |
| Core capital (leverage) ratio | 8.4756% | 5,592 |
| Tier 1 risk-based capital ratio | 14.2719% | 3,962 |
| Total risk-based capital ratio | 15.5281% | 3,931 |
| Memoranda: | ||
| Average total assets | $121,575,330 | 4,404 |
| Average earning assets | $106,111,330 | 4,561 |
| Average equity | $11,181,000 | 4,765 |
| Average total loans | $63,245,330 | 4,820 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4829% | 5,396 |
| Cost of funding earning assets | 0.5849% | 6,670 |
| Net interest margin | 3.8980% | 3,146 |
| Noninterest income to average assets | 0.7242% | 2,420 |
| Noninterest expense to average assets | 3.1009% | 3,240 |
| Loan and lease loss provision to assets | 0.0560% | 5,306 |
| Net operating income to assets | 0.9678% | 2,289 |
| Return on assets (ROA) | 0.9645% | 2,364 |
| Pretax return on assets | 0.9645% | 3,266 |
| Return on Equity (ROE) | 10.5529% | 1,891 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,784 |
| Net charge-offs to loans | -0.0063% | 6,275 |
| Credit loss provision to net charge-offs | -1,700.0000% | 6,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1796% | 3,306 |
| Assets per employee ($millions) | 3.0980% | 5,956 |
| Cash dividends to net income (ytd only)* | 100.0000% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0135% | 2,377 |
| Loan loss allowance to noncurrent loans | 497.1545% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 6,626 |
| Noncurrent loans to loans | 0.4050% | 6,190 |
| Net loans and leases to total assets | 49.2609% | 5,932 |
| Net loans and leases to deposits | 54.5097% | 6,255 |
| Net loans and leases to core deposits | 61.9714% | 5,926 |
| Total domestic deposits to total assets | 90.3710% | 919 |
| Equity capital to assets | 9.1854% | 4,892 |
| Core capital (leverage) ratio | 8.5196% | 5,418 |
| Tier 1 risk-based capital ratio | 14.5964% | 3,677 |
| Total risk-based capital ratio | 15.8525% | 3,631 |
| Memoranda: | ||
| Average total assets | $121,513,500 | 4,431 |
| Average earning assets | $106,002,000 | 4,594 |
| Average equity | $11,106,000 | 4,772 |
| Average total loans | $63,121,500 | 4,868 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1840% | 3,678 |
| Cost of funding earning assets | 0.8031% | 6,552 |
| Net interest margin | 4.3808% | 1,552 |
| Noninterest income to average assets | 0.8266% | 2,159 |
| Noninterest expense to average assets | 3.1112% | 3,408 |
| Loan and lease loss provision to assets | 0.1328% | 5,847 |
| Net operating income to assets | 1.3891% | 972 |
| Return on assets (ROA) | 1.3981% | 1,026 |
| Pretax return on assets | 1.3981% | 1,671 |
| Return on Equity (ROE) | 14.9480% | 725 |
| Retained earnings to average equity (ytd only) | 0.4910% | 5,337 |
| Net charge-offs to loans | 0.0085% | 6,754 |
| Credit loss provision to net charge-offs | 2,700.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 309.3333% | 74 |
| Efficiency ratio | 67.1504% | 4,730 |
| Assets per employee ($millions) | 3.0551% | 5,988 |
| Cash dividends to net income (ytd only)* | 96.7155% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8396% | 2,721 |
| Loan loss allowance to noncurrent loans | 435.0181% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 6,639 |
| Noncurrent loans to loans | 0.4229% | 6,203 |
| Net loans and leases to total assets | 52.6141% | 5,839 |
| Net loans and leases to deposits | 58.3061% | 6,226 |
| Net loans and leases to core deposits | 65.0812% | 5,971 |
| Total domestic deposits to total assets | 90.2377% | 965 |
| Equity capital to assets | 9.0946% | 4,999 |
| Core capital (leverage) ratio | 8.5002% | 5,366 |
| Tier 1 risk-based capital ratio | 14.3318% | 3,656 |
| Total risk-based capital ratio | 15.5876% | 3,605 |
| Memoranda: | ||
| Average total assets | $121,947,000 | 4,446 |
| Average earning assets | $105,961,200 | 4,565 |
| Average equity | $11,406,200 | 4,761 |
| Average total loans | $70,684,600 | 4,661 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 3,545 |
| Cost of funding earning assets | 0.8572% | 6,557 |
| Net interest margin | 4.3994% | 1,528 |
| Noninterest income to average assets | 0.7865% | 2,302 |
| Noninterest expense to average assets | 3.1275% | 3,202 |
| Loan and lease loss provision to assets | 0.1225% | 5,803 |
| Net operating income to assets | 1.3597% | 1,190 |
| Return on assets (ROA) | 1.3718% | 1,245 |
| Pretax return on assets | 1.3718% | 1,960 |
| Return on Equity (ROE) | 14.5651% | 927 |
| Retained earnings to average equity (ytd only) | 2.1603% | 4,879 |
| Net charge-offs to loans | 0.0130% | 6,487 |
| Credit loss provision to net charge-offs | 1,600.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 193.6356% | 168 |
| Efficiency ratio | 67.8453% | 4,493 |
| Assets per employee ($millions) | 2.9138% | 6,339 |
| Cash dividends to net income (ytd only)* | 85.1671% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 3,381 |
| Loan loss allowance to noncurrent loans | 196.9283% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 6,169 |
| Noncurrent loans to loans | 0.8314% | 5,558 |
| Net loans and leases to total assets | 58.0299% | 5,264 |
| Net loans and leases to deposits | 64.5927% | 5,837 |
| Net loans and leases to core deposits | 73.4954% | 5,355 |
| Total domestic deposits to total assets | 89.8398% | 954 |
| Equity capital to assets | 9.7099% | 4,531 |
| Core capital (leverage) ratio | 8.5209% | 5,470 |
| Tier 1 risk-based capital ratio | 13.5791% | 4,135 |
| Total risk-based capital ratio | 14.8318% | 4,079 |
| Memoranda: | ||
| Average total assets | $121,882,500 | 4,507 |
| Average earning assets | $105,920,250 | 4,613 |
| Average equity | $11,479,250 | 4,812 |
| Average total loans | $71,980,250 | 4,682 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2814% | 3,556 |
| Cost of funding earning assets | 0.9015% | 6,573 |
| Net interest margin | 4.3798% | 1,507 |
| Noninterest income to average assets | 0.7548% | 2,360 |
| Noninterest expense to average assets | 3.0891% | 3,366 |
| Loan and lease loss provision to assets | 0.1076% | 5,838 |
| Net operating income to assets | 1.3595% | 1,173 |
| Return on assets (ROA) | 1.3563% | 1,250 |
| Pretax return on assets | 1.3563% | 1,931 |
| Return on Equity (ROE) | 14.5467% | 937 |
| Retained earnings to average equity (ytd only) | 3.5842% | 3,814 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7996% | 4,620 |
| Assets per employee ($millions) | 3.0328% | 6,076 |
| Cash dividends to net income (ytd only)* | 75.3606% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 3,726 |
| Loan loss allowance to noncurrent loans | 350.6289% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 6,761 |
| Noncurrent loans to loans | 0.4384% | 6,365 |
| Net loans and leases to total assets | 57.4339% | 5,497 |
| Net loans and leases to deposits | 63.5534% | 6,083 |
| Net loans and leases to core deposits | 73.1704% | 5,535 |
| Total domestic deposits to total assets | 90.3710% | 733 |
| Equity capital to assets | 9.3355% | 4,953 |
| Core capital (leverage) ratio | 8.4246% | 5,537 |
| Tier 1 risk-based capital ratio | 13.1217% | 4,344 |
| Total risk-based capital ratio | 14.3784% | 4,300 |
| Memoranda: | ||
| Average total assets | $122,688,000 | 4,513 |
| Average earning assets | $106,487,670 | 4,633 |
| Average equity | $11,439,000 | 4,818 |
| Average total loans | $72,480,330 | 4,693 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3145% | 3,474 |
| Cost of funding earning assets | 0.9401% | 6,620 |
| Net interest margin | 4.3744% | 1,460 |
| Noninterest income to average assets | 0.7418% | 2,349 |
| Noninterest expense to average assets | 3.0855% | 3,324 |
| Loan and lease loss provision to assets | 0.1247% | 5,330 |
| Net operating income to assets | 1.3195% | 1,259 |
| Return on assets (ROA) | 1.3195% | 1,329 |
| Pretax return on assets | 1.3195% | 2,005 |
| Return on Equity (ROE) | 14.1618% | 1,024 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1159% | 4,702 |
| Assets per employee ($millions) | 3.0066% | 6,201 |
| Cash dividends to net income (ytd only)* | 100.0000% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 3,833 |
| Loan loss allowance to noncurrent loans | 4,348.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 7,442 |
| Noncurrent loans to loans | 0.0348% | 7,327 |
| Net loans and leases to total assets | 57.3331% | 5,546 |
| Net loans and leases to deposits | 63.5015% | 6,105 |
| Net loans and leases to core deposits | 72.6381% | 5,646 |
| Total domestic deposits to total assets | 90.2863% | 839 |
| Equity capital to assets | 9.1840% | 5,009 |
| Core capital (leverage) ratio | 8.2837% | 5,770 |
| Tier 1 risk-based capital ratio | 12.7972% | 4,482 |
| Total risk-based capital ratio | 14.0489% | 4,450 |
| Memoranda: | ||
| Average total assets | $121,860,500 | 4,586 |
| Average earning assets | $105,523,000 | 4,720 |
| Average equity | $11,354,500 | 4,883 |
| Average total loans | $72,455,500 | 4,769 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7274% | 2,977 |
| Cost of funding earning assets | 1.3037% | 6,295 |
| Net interest margin | 4.4237% | 1,364 |
| Noninterest income to average assets | 0.9476% | 1,759 |
| Noninterest expense to average assets | 3.1519% | 3,539 |
| Loan and lease loss provision to assets | 0.2168% | 5,624 |
| Net operating income to assets | 1.4365% | 793 |
| Return on assets (ROA) | 1.4432% | 834 |
| Pretax return on assets | 1.4432% | 1,329 |
| Return on Equity (ROE) | 15.2230% | 646 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.0717% | 6,395 |
| Credit loss provision to net charge-offs | 488.6792% | 626 |
| Earnings coverage of net charge-offs (x) | 37.2642% | 637 |
| Efficiency ratio | 65.5923% | 5,475 |
| Assets per employee ($millions) | 2.9379% | 6,370 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 4,057 |
| Loan loss allowance to noncurrent loans | 352.0134% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 6,836 |
| Noncurrent loans to loans | 0.4074% | 6,463 |
| Net loans and leases to total assets | 59.8587% | 5,362 |
| Net loans and leases to deposits | 66.2766% | 6,015 |
| Net loans and leases to core deposits | 96.7643% | 4,378 |
| Total domestic deposits to total assets | 90.3165% | 827 |
| Equity capital to assets | 9.4544% | 4,483 |
| Core capital (leverage) ratio | 8.5457% | 5,209 |
| Tier 1 risk-based capital ratio | 12.6655% | 4,390 |
| Total risk-based capital ratio | 13.9169% | 4,327 |
| Memoranda: | ||
| Average total assets | $119,453,600 | 4,585 |
| Average earning assets | $104,166,000 | 4,723 |
| Average equity | $11,325,000 | 4,927 |
| Average total loans | $73,938,600 | 4,732 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7848% | 2,954 |
| Cost of funding earning assets | 1.3820% | 6,299 |
| Net interest margin | 4.4028% | 1,432 |
| Noninterest income to average assets | 0.9653% | 1,721 |
| Noninterest expense to average assets | 3.1788% | 3,368 |
| Loan and lease loss provision to assets | 0.2013% | 5,376 |
| Net operating income to assets | 1.4373% | 951 |
| Return on assets (ROA) | 1.4462% | 989 |
| Pretax return on assets | 1.4462% | 1,577 |
| Return on Equity (ROE) | 15.2438% | 741 |
| Retained earnings to average equity (ytd only) | 1.5916% | 4,420 |
| Net charge-offs to loans | 0.0881% | 5,805 |
| Credit loss provision to net charge-offs | 367.3469% | 1,102 |
| Earnings coverage of net charge-offs (x) | 29.8987% | 938 |
| Efficiency ratio | 65.9856% | 5,363 |
| Assets per employee ($millions) | 2.8663% | 6,494 |
| Cash dividends to net income (ytd only)* | 89.5589% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,359 |
| Loan loss allowance to noncurrent loans | 2,782.8571% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 7,507 |
| Noncurrent loans to loans | 0.0476% | 7,388 |
| Net loans and leases to total assets | 61.7551% | 5,283 |
| Net loans and leases to deposits | 68.7651% | 6,057 |
| Net loans and leases to core deposits | 105.5100% | 3,755 |
| Total domestic deposits to total assets | 89.8059% | 842 |
| Equity capital to assets | 9.8044% | 4,344 |
| Core capital (leverage) ratio | 8.8556% | 4,887 |
| Tier 1 risk-based capital ratio | 13.0585% | 4,147 |
| Total risk-based capital ratio | 14.2997% | 4,091 |
| Memoranda: | ||
| Average total assets | $119,204,000 | 4,616 |
| Average earning assets | $104,294,500 | 4,759 |
| Average equity | $11,309,250 | 4,978 |
| Average total loans | $74,135,750 | 4,767 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8270% | 2,916 |
| Cost of funding earning assets | 1.4487% | 6,323 |
| Net interest margin | 4.3784% | 1,457 |
| Noninterest income to average assets | 0.9268% | 1,865 |
| Noninterest expense to average assets | 3.1578% | 3,478 |
| Loan and lease loss provision to assets | 0.1753% | 5,292 |
| Net operating income to assets | 1.4295% | 959 |
| Return on assets (ROA) | 1.4378% | 1,013 |
| Pretax return on assets | 1.4378% | 1,630 |
| Return on Equity (ROE) | 15.3226% | 780 |
| Retained earnings to average equity (ytd only) | 3.1499% | 3,564 |
| Net charge-offs to loans | 0.0969% | 5,201 |
| Credit loss provision to net charge-offs | 291.6667% | 1,601 |
| Earnings coverage of net charge-offs (x) | 26.6944% | 1,074 |
| Efficiency ratio | 66.3043% | 5,498 |
| Assets per employee ($millions) | 2.8781% | 6,455 |
| Cash dividends to net income (ytd only)* | 79.4425% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 4,926 |
| Loan loss allowance to noncurrent loans | 1,470.9677% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 7,468 |
| Noncurrent loans to loans | 0.0817% | 7,321 |
| Net loans and leases to total assets | 63.5326% | 5,072 |
| Net loans and leases to deposits | 70.9006% | 5,882 |
| Net loans and leases to core deposits | 108.9901% | 3,496 |
| Total domestic deposits to total assets | 89.6080% | 1,000 |
| Equity capital to assets | 9.7353% | 4,299 |
| Core capital (leverage) ratio | 8.7667% | 4,983 |
| Tier 1 risk-based capital ratio | 13.0272% | 4,129 |
| Total risk-based capital ratio | 14.1819% | 4,106 |
| Memoranda: | ||
| Average total assets | $119,765,670 | 4,642 |
| Average earning assets | $104,925,000 | 4,759 |
| Average equity | $11,238,330 | 5,019 |
| Average total loans | $74,331,670 | 4,798 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8642% | 2,970 |
| Cost of funding earning assets | 1.5570% | 6,205 |
| Net interest margin | 4.3072% | 1,580 |
| Noninterest income to average assets | 0.7891% | 2,391 |
| Noninterest expense to average assets | 3.0734% | 3,475 |
| Loan and lease loss provision to assets | 0.0995% | 5,690 |
| Net operating income to assets | 1.3859% | 1,169 |
| Return on assets (ROA) | 1.4058% | 1,214 |
| Pretax return on assets | 1.4058% | 1,951 |
| Return on Equity (ROE) | 15.2607% | 927 |
| Retained earnings to average equity (ytd only) | 0.8638% | 5,312 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4182% | 5,060 |
| Assets per employee ($millions) | 2.8986% | 6,415 |
| Cash dividends to net income (ytd only)* | 94.3396% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 5,127 |
| Loan loss allowance to noncurrent loans | 3,968.1818% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 7,578 |
| Noncurrent loans to loans | 0.0290% | 7,470 |
| Net loans and leases to total assets | 63.1786% | 5,126 |
| Net loans and leases to deposits | 70.0378% | 5,975 |
| Net loans and leases to core deposits | 107.4409% | 3,749 |
| Total domestic deposits to total assets | 90.2065% | 711 |
| Equity capital to assets | 9.5217% | 4,637 |
| Core capital (leverage) ratio | 8.4527% | 5,624 |
| Tier 1 risk-based capital ratio | 12.7531% | 4,343 |
| Total risk-based capital ratio | 13.8515% | 4,393 |
| Memoranda: | ||
| Average total assets | $120,646,500 | 4,636 |
| Average earning assets | $105,589,500 | 4,761 |
| Average equity | $11,113,500 | 5,073 |
| Average total loans | $73,556,000 | 4,853 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5572% | 2,682 |
| Cost of funding earning assets | 2.3853% | 4,782 |
| Net interest margin | 4.1719% | 2,429 |
| Noninterest income to average assets | 0.9343% | 1,837 |
| Noninterest expense to average assets | 2.9642% | 4,207 |
| Loan and lease loss provision to assets | 0.1847% | 5,045 |
| Net operating income to assets | 1.4658% | 1,087 |
| Return on assets (ROA) | 1.4658% | 1,047 |
| Pretax return on assets | 1.4658% | 1,776 |
| Return on Equity (ROE) | 17.1015% | 617 |
| Retained earnings to average equity (ytd only) | 7.6343% | 953 |
| Net charge-offs to loans | 0.0735% | 5,707 |
| Credit loss provision to net charge-offs | 451.0204% | 970 |
| Earnings coverage of net charge-offs (x) | 40.3061% | 923 |
| Efficiency ratio | 64.2340% | 5,510 |
| Assets per employee ($millions) | 2.9866% | 6,088 |
| Cash dividends to net income (ytd only)* | 55.3592% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 4,664 |
| Loan loss allowance to noncurrent loans | 3,512.5000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 7,523 |
| Noncurrent loans to loans | 0.0337% | 7,371 |
| Net loans and leases to total assets | 57.4215% | 6,286 |
| Net loans and leases to deposits | 63.1734% | 6,865 |
| Net loans and leases to core deposits | 93.5697% | 5,483 |
| Total domestic deposits to total assets | 90.8950% | 357 |
| Equity capital to assets | 8.9106% | 5,485 |
| Core capital (leverage) ratio | 8.2962% | 5,957 |
| Tier 1 risk-based capital ratio | 12.6047% | 4,363 |
| Total risk-based capital ratio | 13.6979% | 4,378 |
| Memoranda: | ||
| Average total assets | $119,662,200 | 4,531 |
| Average earning assets | $105,563,400 | 4,625 |
| Average equity | $10,256,400 | 5,327 |
| Average total loans | $66,675,200 | 4,992 |