Home > The Idabel National Bank > Performance and Condition Ratios
The Idabel National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4127% | 1,289 |
| Cost of funding earning assets | 2.0843% | 800 |
| Net interest margin | 3.3283% | 2,561 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.5099% | 4,321 |
| Loan and lease loss provision to assets | 0.4400% | 217 |
| Net operating income to assets | 1.6149% | 844 |
| Return on assets (ROA) | 1.5626% | 884 |
| Pretax return on assets | 1.5626% | 1,306 |
| Return on Equity (ROE) | 14.7500% | 1,331 |
| Retained earnings to average equity (ytd only) | 9.1011% | 1,229 |
| Net charge-offs to loans | 0.3082% | 347 |
| Credit loss provision to net charge-offs | 191.7910% | 1,253 |
| Earnings coverage of net charge-offs (x) | 8.9776% | 2,319 |
| Efficiency ratio | 42.3188% | 4,308 |
| Assets per employee ($millions) | 9.0037% | 982 |
| Cash dividends to net income (ytd only)* | 38.3184% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 315 |
| Loan loss allowance to noncurrent loans | 641.6783% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 1,970 |
| Noncurrent loans to loans | 0.3300% | 2,000 |
| Net loans and leases to total assets | 73.6200% | 1,410 |
| Net loans and leases to deposits | 86.6501% | 1,564 |
| Net loans and leases to core deposits | 128.2307% | 429 |
| Total domestic deposits to total assets | 84.9600% | 2,326 |
| Equity capital to assets | 11.4113% | 1,325 |
| Core capital (leverage) ratio | 12.4697% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5765% | 984 |
| Memoranda: | ||
| Average total assets | $292,273,200 | 2,458 |
| Average earning assets | $284,406,800 | 2,390 |
| Average equity | $30,952,400 | 2,224 |
| Average total loans | $217,422,200 | 2,181 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3434% | 1,223 |
| Cost of funding earning assets | 2.0900% | 605 |
| Net interest margin | 3.2534% | 2,796 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.4396% | 4,362 |
| Loan and lease loss provision to assets | 0.5200% | 151 |
| Net operating income to assets | 1.5433% | 1,037 |
| Return on assets (ROA) | 1.5010% | 1,108 |
| Pretax return on assets | 1.5010% | 1,549 |
| Return on Equity (ROE) | 14.4500% | 1,559 |
| Retained earnings to average equity (ytd only) | 12.2605% | 929 |
| Net charge-offs to loans | 0.4019% | 213 |
| Credit loss provision to net charge-offs | 169.2073% | 1,232 |
| Earnings coverage of net charge-offs (x) | 6.9192% | 2,260 |
| Efficiency ratio | 41.0978% | 4,329 |
| Assets per employee ($millions) | 8.6036% | 1,081 |
| Cash dividends to net income (ytd only)* | 15.1423% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0418% | 366 |
| Loan loss allowance to noncurrent loans | 1,627.5735% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 2,944 |
| Noncurrent loans to loans | 0.1254% | 2,924 |
| Net loans and leases to total assets | 74.8100% | 1,261 |
| Net loans and leases to deposits | 88.5984% | 1,334 |
| Net loans and leases to core deposits | 130.5109% | 338 |
| Total domestic deposits to total assets | 84.4400% | 2,653 |
| Equity capital to assets | 10.6330% | 1,495 |
| Core capital (leverage) ratio | 12.0202% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6448% | 997 |
| Memoranda: | ||
| Average total assets | $293,312,000 | 2,462 |
| Average earning assets | $285,229,500 | 2,382 |
| Average equity | $30,471,000 | 2,233 |
| Average total loans | $217,603,500 | 2,176 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2286% | 1,175 |
| Cost of funding earning assets | 1.9294% | 576 |
| Net interest margin | 3.2992% | 2,749 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.5140% | 4,321 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.8135% | 642 |
| Return on assets (ROA) | 1.8149% | 638 |
| Pretax return on assets | 1.8149% | 984 |
| Return on Equity (ROE) | 17.6000% | 1,000 |
| Retained earnings to average equity (ytd only) | 14.3301% | 643 |
| Net charge-offs to loans | -0.1607% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.7683% | 4,262 |
| Assets per employee ($millions) | 9.1771% | 860 |
| Cash dividends to net income (ytd only)* | 18.5874% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9491% | 458 |
| Loan loss allowance to noncurrent loans | 1,518.8612% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 2,887 |
| Noncurrent loans to loans | 0.1283% | 2,833 |
| Net loans and leases to total assets | 70.8900% | 1,648 |
| Net loans and leases to deposits | 82.4808% | 1,796 |
| Net loans and leases to core deposits | 125.7674% | 392 |
| Total domestic deposits to total assets | 85.9500% | 2,244 |
| Equity capital to assets | 10.3420% | 1,663 |
| Core capital (leverage) ratio | 11.8116% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5922% | 1,194 |
| Memoranda: | ||
| Average total assets | $296,443,000 | 2,454 |
| Average earning assets | $287,764,667 | 2,385 |
| Average equity | $30,565,000 | 2,242 |
| Average total loans | $217,863,667 | 2,168 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0178% | 1,199 |
| Cost of funding earning assets | 1.6358% | 652 |
| Net interest margin | 3.3820% | 2,681 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.4104% | 4,464 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 1.8510% | 617 |
| Return on assets (ROA) | 1.8237% | 628 |
| Pretax return on assets | 1.8237% | 1,027 |
| Return on Equity (ROE) | 17.7200% | 1,062 |
| Retained earnings to average equity (ytd only) | 17.7159% | 537 |
| Net charge-offs to loans | -0.4362% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.5260% | 4,458 |
| Assets per employee ($millions) | 9.1157% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9933% | 446 |
| Loan loss allowance to noncurrent loans | 366.9492% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 1,277 |
| Noncurrent loans to loans | 0.5432% | 1,361 |
| Net loans and leases to total assets | 72.9900% | 1,320 |
| Net loans and leases to deposits | 85.8839% | 1,359 |
| Net loans and leases to core deposits | 124.7801% | 350 |
| Total domestic deposits to total assets | 84.9800% | 2,868 |
| Equity capital to assets | 10.5735% | 1,532 |
| Core capital (leverage) ratio | 11.6183% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9019% | 2,423 |
| Memoranda: | ||
| Average total assets | $293,243,000 | 2,498 |
| Average earning assets | $286,342,500 | 2,421 |
| Average equity | $30,187,500 | 2,286 |
| Average total loans | $217,311,500 | 2,189 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 556 |
| Cost of funding earning assets | 0.8305% | 352 |
| Net interest margin | 3.8229% | 1,111 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.5500% | 4,368 |
| Loan and lease loss provision to assets | 1.0600% | 42 |
| Net operating income to assets | 1.4276% | 1,056 |
| Return on assets (ROA) | 1.4652% | 929 |
| Pretax return on assets | 1.4652% | 1,556 |
| Return on Equity (ROE) | 15.3900% | 1,166 |
| Retained earnings to average equity (ytd only) | 15.3879% | 263 |
| Net charge-offs to loans | 0.0894% | 782 |
| Credit loss provision to net charge-offs | 1,498.8571% | 330 |
| Earnings coverage of net charge-offs (x) | 35.1829% | 1,583 |
| Efficiency ratio | 38.3930% | 4,576 |
| Assets per employee ($millions) | 9.5092% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8276% | 626 |
| Loan loss allowance to noncurrent loans | 301.6705% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 1,100 |
| Noncurrent loans to loans | 0.6058% | 1,233 |
| Net loans and leases to total assets | 72.4000% | 1,371 |
| Net loans and leases to deposits | 82.5829% | 1,575 |
| Net loans and leases to core deposits | 124.0159% | 301 |
| Total domestic deposits to total assets | 87.6700% | 2,187 |
| Equity capital to assets | 10.0182% | 1,693 |
| Core capital (leverage) ratio | 11.1828% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1564% | 1,586 |
| Memoranda: | ||
| Average total assets | $247,541,000 | 2,744 |
| Average earning assets | $241,413,800 | 2,663 |
| Average equity | $23,570,400 | 2,667 |
| Average total loans | $195,658,200 | 2,269 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 513 |
| Cost of funding earning assets | 0.5996% | 442 |
| Net interest margin | 3.8769% | 837 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.5492% | 4,364 |
| Loan and lease loss provision to assets | 1.3600% | 28 |
| Net operating income to assets | 1.2053% | 1,679 |
| Return on assets (ROA) | 1.2619% | 1,452 |
| Pretax return on assets | 1.2619% | 2,168 |
| Return on Equity (ROE) | 13.4700% | 1,574 |
| Retained earnings to average equity (ytd only) | 13.4719% | 545 |
| Net charge-offs to loans | 0.2558% | 262 |
| Credit loss provision to net charge-offs | 656.9863% | 532 |
| Earnings coverage of net charge-offs (x) | 12.4082% | 1,917 |
| Efficiency ratio | 37.6857% | 4,621 |
| Assets per employee ($millions) | 9.1584% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 1,034 |
| Loan loss allowance to noncurrent loans | 225.7614% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 930 |
| Noncurrent loans to loans | 0.7164% | 1,141 |
| Net loans and leases to total assets | 76.2400% | 883 |
| Net loans and leases to deposits | 87.8665% | 1,043 |
| Net loans and leases to core deposits | 126.7176% | 176 |
| Total domestic deposits to total assets | 86.7600% | 2,835 |
| Equity capital to assets | 9.5949% | 1,832 |
| Core capital (leverage) ratio | 11.8259% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1484% | 1,995 |
| Memoranda: | ||
| Average total assets | $235,730,250 | 2,834 |
| Average earning assets | $229,936,750 | 2,760 |
| Average equity | $22,080,000 | 2,814 |
| Average total loans | $190,224,750 | 2,310 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 182 |
| Cost of funding earning assets | 0.4542% | 676 |
| Net interest margin | 4.5076% | 194 |
| Noninterest income to average assets | 0.2950% | 3,398 |
| Noninterest expense to average assets | 1.6051% | 4,299 |
| Loan and lease loss provision to assets | 1.6243% | 24 |
| Net operating income to assets | 1.4567% | 781 |
| Return on assets (ROA) | 1.5469% | 605 |
| Pretax return on assets | 1.5469% | 1,049 |
| Return on Equity (ROE) | 16.6899% | 604 |
| Retained earnings to average equity (ytd only) | 16.6899% | 161 |
| Net charge-offs to loans | 0.0588% | 813 |
| Credit loss provision to net charge-offs | 3,366.0377% | 158 |
| Earnings coverage of net charge-offs (x) | 63.8491% | 1,053 |
| Efficiency ratio | 34.2530% | 4,691 |
| Assets per employee ($millions) | 8.3547% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,235 |
| Loan loss allowance to noncurrent loans | 150.4621% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8932% | 565 |
| Noncurrent loans to loans | 1.0395% | 803 |
| Net loans and leases to total assets | 84.5781% | 162 |
| Net loans and leases to deposits | 95.3782% | 457 |
| Net loans and leases to core deposits | 123.3551% | 161 |
| Total domestic deposits to total assets | 88.6766% | 2,310 |
| Equity capital to assets | 8.3212% | 2,888 |
| Core capital (leverage) ratio | 9.7272% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,670,333 | 2,949 |
| Average earning assets | $213,992,667 | 2,887 |
| Average equity | $20,359,667 | 3,037 |
| Average total loans | $180,298,667 | 2,381 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8525% | 184 |
| Cost of funding earning assets | 0.3766% | 1,017 |
| Net interest margin | 4.4759% | 178 |
| Noninterest income to average assets | 0.3030% | 3,296 |
| Noninterest expense to average assets | 1.4114% | 4,528 |
| Loan and lease loss provision to assets | 1.5629% | 27 |
| Net operating income to assets | 1.6818% | 425 |
| Return on assets (ROA) | 1.8812% | 284 |
| Pretax return on assets | 1.8812% | 460 |
| Return on Equity (ROE) | 18.9716% | 283 |
| Retained earnings to average equity (ytd only) | 18.9716% | 121 |
| Net charge-offs to loans | 0.0600% | 712 |
| Credit loss provision to net charge-offs | 3,260.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 67.6800% | 809 |
| Efficiency ratio | 30.3130% | 4,739 |
| Assets per employee ($millions) | 7.9982% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,686 |
| Loan loss allowance to noncurrent loans | 212.5803% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 1,240 |
| Noncurrent loans to loans | 0.5804% | 1,597 |
| Net loans and leases to total assets | 82.7541% | 132 |
| Net loans and leases to deposits | 94.2478% | 349 |
| Net loans and leases to core deposits | 115.9983% | 177 |
| Total domestic deposits to total assets | 87.8048% | 2,621 |
| Equity capital to assets | 8.9668% | 2,737 |
| Core capital (leverage) ratio | 10.2892% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,587,500 | 3,052 |
| Average earning assets | $202,865,500 | 2,988 |
| Average equity | $20,683,500 | 3,085 |
| Average total loans | $166,584,500 | 2,496 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 727 |
| Cost of funding earning assets | 0.3768% | 1,705 |
| Net interest margin | 4.0149% | 686 |
| Noninterest income to average assets | 0.4616% | 2,759 |
| Noninterest expense to average assets | 1.8638% | 4,011 |
| Loan and lease loss provision to assets | 0.5669% | 94 |
| Net operating income to assets | 1.8957% | 413 |
| Return on assets (ROA) | 1.9790% | 375 |
| Pretax return on assets | 1.9790% | 629 |
| Return on Equity (ROE) | 17.6604% | 499 |
| Retained earnings to average equity (ytd only) | 17.6604% | 101 |
| Net charge-offs to loans | 0.3078% | 277 |
| Credit loss provision to net charge-offs | 287.3900% | 1,091 |
| Earnings coverage of net charge-offs (x) | 12.4839% | 2,111 |
| Efficiency ratio | 43.0806% | 4,603 |
| Assets per employee ($millions) | 6.2331% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,578 |
| Loan loss allowance to noncurrent loans | 113.2987% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6966% | 914 |
| Noncurrent loans to loans | 0.9249% | 1,094 |
| Net loans and leases to total assets | 74.5252% | 623 |
| Net loans and leases to deposits | 90.0609% | 565 |
| Net loans and leases to core deposits | 112.6900% | 246 |
| Total domestic deposits to total assets | 82.7497% | 3,855 |
| Equity capital to assets | 11.0161% | 1,777 |
| Core capital (leverage) ratio | 10.8873% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,869,200 | 3,272 |
| Average earning assets | $166,405,400 | 3,220 |
| Average equity | $19,371,000 | 3,267 |
| Average total loans | $110,794,000 | 3,069 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 974 |
| Cost of funding earning assets | 0.3938% | 1,747 |
| Net interest margin | 3.8919% | 951 |
| Noninterest income to average assets | 0.4458% | 2,856 |
| Noninterest expense to average assets | 1.7602% | 4,245 |
| Loan and lease loss provision to assets | 0.3606% | 194 |
| Net operating income to assets | 2.0630% | 418 |
| Return on assets (ROA) | 2.1401% | 382 |
| Pretax return on assets | 2.1401% | 624 |
| Return on Equity (ROE) | 19.0056% | 516 |
| Retained earnings to average equity (ytd only) | 19.0056% | 165 |
| Net charge-offs to loans | 0.1254% | 631 |
| Credit loss provision to net charge-offs | 472.9167% | 786 |
| Earnings coverage of net charge-offs (x) | 31.7708% | 1,494 |
| Efficiency ratio | 42.0703% | 4,660 |
| Assets per employee ($millions) | 6.0782% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,742 |
| Loan loss allowance to noncurrent loans | 82.6578% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 850 |
| Noncurrent loans to loans | 1.2456% | 887 |
| Net loans and leases to total assets | 65.5790% | 1,586 |
| Net loans and leases to deposits | 77.5436% | 1,520 |
| Net loans and leases to core deposits | 94.8393% | 796 |
| Total domestic deposits to total assets | 84.5705% | 3,273 |
| Equity capital to assets | 11.5100% | 1,665 |
| Core capital (leverage) ratio | 11.0247% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,780,000 | 3,356 |
| Average earning assets | $161,150,750 | 3,295 |
| Average equity | $18,892,250 | 3,350 |
| Average total loans | $102,110,750 | 3,214 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2298% | 1,130 |
| Cost of funding earning assets | 0.4102% | 1,799 |
| Net interest margin | 3.8196% | 1,112 |
| Noninterest income to average assets | 0.4517% | 2,833 |
| Noninterest expense to average assets | 1.8426% | 4,090 |
| Loan and lease loss provision to assets | 0.3069% | 274 |
| Net operating income to assets | 1.9715% | 508 |
| Return on assets (ROA) | 2.0856% | 436 |
| Pretax return on assets | 2.0856% | 700 |
| Return on Equity (ROE) | 18.6768% | 577 |
| Retained earnings to average equity (ytd only) | 18.6768% | 195 |
| Net charge-offs to loans | 0.0355% | 1,291 |
| Credit loss provision to net charge-offs | 1,470.5882% | 369 |
| Earnings coverage of net charge-offs (x) | 109.1765% | 712 |
| Efficiency ratio | 44.7125% | 4,583 |
| Assets per employee ($millions) | 6.3589% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 3,594 |
| Loan loss allowance to noncurrent loans | 122.1616% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 1,557 |
| Noncurrent loans to loans | 0.8651% | 1,420 |
| Net loans and leases to total assets | 61.0214% | 2,302 |
| Net loans and leases to deposits | 72.9997% | 2,110 |
| Net loans and leases to core deposits | 91.0392% | 1,062 |
| Total domestic deposits to total assets | 83.5913% | 3,547 |
| Equity capital to assets | 11.6583% | 1,544 |
| Core capital (leverage) ratio | 11.0429% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,925,000 | 3,407 |
| Average earning assets | $156,508,000 | 3,347 |
| Average equity | $18,193,667 | 3,409 |
| Average total loans | $95,873,000 | 3,311 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 1,001 |
| Cost of funding earning assets | 0.4226% | 1,917 |
| Net interest margin | 3.9059% | 977 |
| Noninterest income to average assets | 0.4440% | 2,852 |
| Noninterest expense to average assets | 1.8418% | 4,131 |
| Loan and lease loss provision to assets | 0.2523% | 411 |
| Net operating income to assets | 2.1042% | 490 |
| Return on assets (ROA) | 2.1849% | 465 |
| Pretax return on assets | 2.1849% | 710 |
| Return on Equity (ROE) | 20.0434% | 531 |
| Retained earnings to average equity (ytd only) | 20.0434% | 273 |
| Net charge-offs to loans | 0.0264% | 1,234 |
| Credit loss provision to net charge-offs | 1,666.6667% | 279 |
| Earnings coverage of net charge-offs (x) | 155.6667% | 475 |
| Efficiency ratio | 43.8702% | 4,587 |
| Assets per employee ($millions) | 5.8453% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,829 |
| Loan loss allowance to noncurrent loans | 97.7069% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 1,555 |
| Noncurrent loans to loans | 1.0258% | 1,306 |
| Net loans and leases to total assets | 59.1447% | 2,652 |
| Net loans and leases to deposits | 70.0305% | 2,501 |
| Net loans and leases to core deposits | 88.1765% | 1,355 |
| Total domestic deposits to total assets | 84.4557% | 3,297 |
| Equity capital to assets | 10.5647% | 2,202 |
| Core capital (leverage) ratio | 10.2560% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,543,000 | 3,452 |
| Average earning assets | $152,384,500 | 3,392 |
| Average equity | $17,282,500 | 3,491 |
| Average total loans | $90,866,500 | 3,395 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 1,195 |
| Cost of funding earning assets | 0.6923% | 1,757 |
| Net interest margin | 3.8545% | 1,344 |
| Noninterest income to average assets | 0.4302% | 2,959 |
| Noninterest expense to average assets | 2.0428% | 4,054 |
| Loan and lease loss provision to assets | 0.1754% | 2,191 |
| Net operating income to assets | 1.9080% | 315 |
| Return on assets (ROA) | 1.9873% | 288 |
| Pretax return on assets | 1.9873% | 465 |
| Return on Equity (ROE) | 18.9282% | 282 |
| Retained earnings to average equity (ytd only) | 8.9027% | 795 |
| Net charge-offs to loans | 0.5203% | 299 |
| Credit loss provision to net charge-offs | 59.9520% | 3,089 |
| Earnings coverage of net charge-offs (x) | 7.1199% | 2,719 |
| Efficiency ratio | 49.5068% | 4,562 |
| Assets per employee ($millions) | 5.4792% | 2,862 |
| Cash dividends to net income (ytd only)* | 52.9661% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,710 |
| Loan loss allowance to noncurrent loans | 83.7321% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 1,529 |
| Noncurrent loans to loans | 1.2448% | 1,105 |
| Net loans and leases to total assets | 54.1508% | 3,475 |
| Net loans and leases to deposits | 65.4309% | 3,326 |
| Net loans and leases to core deposits | 79.0743% | 2,446 |
| Total domestic deposits to total assets | 82.7602% | 3,476 |
| Equity capital to assets | 11.2594% | 2,049 |
| Core capital (leverage) ratio | 10.0694% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,502,200 | 3,485 |
| Average earning assets | $136,645,000 | 3,424 |
| Average equity | $14,961,800 | 3,657 |
| Average total loans | $80,151,600 | 3,553 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 1,102 |
| Cost of funding earning assets | 0.7683% | 1,644 |
| Net interest margin | 3.9124% | 1,324 |
| Noninterest income to average assets | 0.4283% | 2,943 |
| Noninterest expense to average assets | 1.9984% | 4,147 |
| Loan and lease loss provision to assets | 0.2382% | 1,705 |
| Net operating income to assets | 1.9412% | 335 |
| Return on assets (ROA) | 2.0452% | 293 |
| Pretax return on assets | 2.0452% | 479 |
| Return on Equity (ROE) | 19.8738% | 239 |
| Retained earnings to average equity (ytd only) | 5.9696% | 2,120 |
| Net charge-offs to loans | 0.6784% | 209 |
| Credit loss provision to net charge-offs | 62.0347% | 2,842 |
| Earnings coverage of net charge-offs (x) | 5.6700% | 2,713 |
| Efficiency ratio | 47.8311% | 4,619 |
| Assets per employee ($millions) | 5.3954% | 2,796 |
| Cash dividends to net income (ytd only)* | 69.9627% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,434 |
| Loan loss allowance to noncurrent loans | 99.4407% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 1,956 |
| Noncurrent loans to loans | 1.0606% | 1,407 |
| Net loans and leases to total assets | 55.2081% | 3,689 |
| Net loans and leases to deposits | 68.0127% | 3,463 |
| Net loans and leases to core deposits | 81.9873% | 2,664 |
| Total domestic deposits to total assets | 81.1732% | 3,617 |
| Equity capital to assets | 10.7498% | 2,588 |
| Core capital (leverage) ratio | 9.7698% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,773,250 | 3,503 |
| Average earning assets | $133,964,000 | 3,449 |
| Average equity | $14,383,750 | 3,712 |
| Average total loans | $79,201,500 | 3,587 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 1,619 |
| Cost of funding earning assets | 0.8517% | 1,594 |
| Net interest margin | 3.7605% | 1,955 |
| Noninterest income to average assets | 0.4735% | 2,693 |
| Noninterest expense to average assets | 2.1867% | 3,829 |
| Loan and lease loss provision to assets | 0.2941% | 1,462 |
| Net operating income to assets | 1.5896% | 778 |
| Return on assets (ROA) | 1.6720% | 705 |
| Pretax return on assets | 1.6720% | 1,049 |
| Return on Equity (ROE) | 16.5202% | 489 |
| Retained earnings to average equity (ytd only) | -5.2742% | 4,782 |
| Net charge-offs to loans | 0.9780% | 152 |
| Credit loss provision to net charge-offs | 52.7704% | 2,612 |
| Earnings coverage of net charge-offs (x) | 3.3799% | 2,682 |
| Efficiency ratio | 53.7211% | 4,209 |
| Assets per employee ($millions) | 5.1511% | 2,993 |
| Cash dividends to net income (ytd only)* | 131.9261% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,358 |
| Loan loss allowance to noncurrent loans | 75.5031% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7925% | 1,568 |
| Noncurrent loans to loans | 1.3804% | 1,118 |
| Net loans and leases to total assets | 56.8106% | 3,625 |
| Net loans and leases to deposits | 70.1046% | 3,409 |
| Net loans and leases to core deposits | 84.7861% | 2,547 |
| Total domestic deposits to total assets | 81.0368% | 3,598 |
| Equity capital to assets | 10.5039% | 2,741 |
| Core capital (leverage) ratio | 9.4231% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,007,000 | 3,530 |
| Average earning assets | $130,089,667 | 3,470 |
| Average equity | $13,765,000 | 3,794 |
| Average total loans | $77,504,333 | 3,620 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7464% | 1,566 |
| Cost of funding earning assets | 0.9359% | 1,714 |
| Net interest margin | 3.8104% | 1,933 |
| Noninterest income to average assets | 0.5338% | 2,372 |
| Noninterest expense to average assets | 2.2503% | 3,885 |
| Loan and lease loss provision to assets | 0.1516% | 1,878 |
| Net operating income to assets | 1.7741% | 433 |
| Return on assets (ROA) | 1.8742% | 391 |
| Pretax return on assets | 1.8742% | 597 |
| Return on Equity (ROE) | 18.9099% | 214 |
| Retained earnings to average equity (ytd only) | -26.9880% | 5,025 |
| Net charge-offs to loans | 0.6893% | 220 |
| Credit loss provision to net charge-offs | 38.7597% | 2,104 |
| Earnings coverage of net charge-offs (x) | 4.9225% | 2,099 |
| Efficiency ratio | 53.8853% | 4,404 |
| Assets per employee ($millions) | 4.7152% | 2,972 |
| Cash dividends to net income (ytd only)* | 242.7184% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,357 |
| Loan loss allowance to noncurrent loans | 205.3305% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 3,013 |
| Noncurrent loans to loans | 0.6119% | 2,458 |
| Net loans and leases to total assets | 57.3263% | 3,723 |
| Net loans and leases to deposits | 68.2117% | 3,717 |
| Net loans and leases to core deposits | 87.7477% | 2,544 |
| Total domestic deposits to total assets | 84.0417% | 2,776 |
| Equity capital to assets | 9.0021% | 4,598 |
| Core capital (leverage) ratio | 9.7647% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,894,500 | 3,564 |
| Average earning assets | $126,075,500 | 3,497 |
| Average equity | $13,072,500 | 3,876 |
| Average total loans | $74,855,500 | 3,666 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9210% | 1,695 |
| Cost of funding earning assets | 1.0248% | 1,623 |
| Net interest margin | 3.8962% | 2,186 |
| Noninterest income to average assets | 0.6225% | 2,121 |
| Noninterest expense to average assets | 2.2785% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0816% | 285 |
| Return on assets (ROA) | 2.0475% | 325 |
| Pretax return on assets | 2.0475% | 538 |
| Return on Equity (ROE) | 20.8120% | 171 |
| Retained earnings to average equity (ytd only) | 12.9316% | 171 |
| Net charge-offs to loans | 0.1596% | 1,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 21.8293% | 1,874 |
| Efficiency ratio | 52.2582% | 4,584 |
| Assets per employee ($millions) | 5.0678% | 2,491 |
| Cash dividends to net income (ytd only)* | 37.8644% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 1,432 |
| Loan loss allowance to noncurrent loans | 191.8969% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 2,745 |
| Noncurrent loans to loans | 0.7432% | 2,027 |
| Net loans and leases to total assets | 54.6591% | 4,033 |
| Net loans and leases to deposits | 66.4867% | 3,925 |
| Net loans and leases to core deposits | 83.8145% | 2,968 |
| Total domestic deposits to total assets | 82.2106% | 3,452 |
| Equity capital to assets | 10.8224% | 3,163 |
| Core capital (leverage) ratio | 10.3529% | 3,132 |
| Tier 1 risk-based capital ratio | 18.3960% | 1,665 |
| Total risk-based capital ratio | 19.6483% | 1,632 |
| Memoranda: | ||
| Average total assets | $128,987,800 | 3,578 |
| Average earning assets | $123,735,600 | 3,508 |
| Average equity | $12,689,800 | 3,915 |
| Average total loans | $77,084,800 | 3,651 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 1,704 |
| Cost of funding earning assets | 1.0336% | 1,614 |
| Net interest margin | 3.9078% | 2,224 |
| Noninterest income to average assets | 0.6277% | 2,080 |
| Noninterest expense to average assets | 2.2334% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.1429% | 298 |
| Return on assets (ROA) | 2.0972% | 332 |
| Pretax return on assets | 2.0972% | 556 |
| Return on Equity (ROE) | 21.8797% | 168 |
| Retained earnings to average equity (ytd only) | 11.0374% | 520 |
| Net charge-offs to loans | 0.0990% | 1,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 35.5523% | 1,465 |
| Efficiency ratio | 51.0330% | 4,671 |
| Assets per employee ($millions) | 4.8830% | 2,682 |
| Cash dividends to net income (ytd only)* | 49.5540% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 1,375 |
| Loan loss allowance to noncurrent loans | 296.7828% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 3,421 |
| Noncurrent loans to loans | 0.4907% | 2,823 |
| Net loans and leases to total assets | 56.8165% | 3,987 |
| Net loans and leases to deposits | 68.7406% | 3,862 |
| Net loans and leases to core deposits | 85.9737% | 2,908 |
| Total domestic deposits to total assets | 82.6535% | 3,267 |
| Equity capital to assets | 10.3396% | 3,683 |
| Core capital (leverage) ratio | 10.0604% | 3,577 |
| Tier 1 risk-based capital ratio | 16.3313% | 2,323 |
| Total risk-based capital ratio | 17.5834% | 2,255 |
| Memoranda: | ||
| Average total assets | $128,293,750 | 3,626 |
| Average earning assets | $123,067,000 | 3,557 |
| Average equity | $12,297,250 | 3,996 |
| Average total loans | $78,090,250 | 3,675 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9563% | 1,599 |
| Cost of funding earning assets | 1.0323% | 1,561 |
| Net interest margin | 3.9240% | 2,170 |
| Noninterest income to average assets | 0.6262% | 2,038 |
| Noninterest expense to average assets | 2.2988% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0895% | 334 |
| Return on assets (ROA) | 2.0219% | 392 |
| Pretax return on assets | 2.0219% | 654 |
| Return on Equity (ROE) | 21.6835% | 176 |
| Retained earnings to average equity (ytd only) | 4.8092% | 2,862 |
| Net charge-offs to loans | 0.0939% | 1,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 35.8919% | 1,315 |
| Efficiency ratio | 52.3844% | 4,622 |
| Assets per employee ($millions) | 4.8218% | 2,715 |
| Cash dividends to net income (ytd only)* | 77.8210% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 1,536 |
| Loan loss allowance to noncurrent loans | 515.0685% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 3,926 |
| Noncurrent loans to loans | 0.2754% | 3,543 |
| Net loans and leases to total assets | 60.2145% | 3,713 |
| Net loans and leases to deposits | 72.4276% | 3,649 |
| Net loans and leases to core deposits | 91.6073% | 2,451 |
| Total domestic deposits to total assets | 83.1375% | 3,161 |
| Equity capital to assets | 9.7858% | 4,149 |
| Core capital (leverage) ratio | 9.6923% | 3,940 |
| Tier 1 risk-based capital ratio | 15.7424% | 2,524 |
| Total risk-based capital ratio | 16.9943% | 2,463 |
| Memoranda: | ||
| Average total assets | $127,111,000 | 3,663 |
| Average earning assets | $121,866,000 | 3,600 |
| Average equity | $11,852,330 | 4,068 |
| Average total loans | $78,782,000 | 3,683 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 1,520 |
| Cost of funding earning assets | 1.0413% | 1,407 |
| Net interest margin | 3.8890% | 2,225 |
| Noninterest income to average assets | 0.6307% | 1,906 |
| Noninterest expense to average assets | 2.2521% | 4,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1024% | 321 |
| Return on assets (ROA) | 2.0387% | 377 |
| Pretax return on assets | 2.0387% | 597 |
| Return on Equity (ROE) | 22.4394% | 163 |
| Retained earnings to average equity (ytd only) | -12.6222% | 5,165 |
| Net charge-offs to loans | 0.0459% | 1,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 73.3333% | 823 |
| Efficiency ratio | 51.7191% | 4,714 |
| Assets per employee ($millions) | 4.5524% | 3,117 |
| Cash dividends to net income (ytd only)* | 156.2500% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 1,473 |
| Loan loss allowance to noncurrent loans | 1,023.0088% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 4,370 |
| Noncurrent loans to loans | 0.1428% | 4,101 |
| Net loans and leases to total assets | 61.1873% | 3,582 |
| Net loans and leases to deposits | 73.0128% | 3,532 |
| Net loans and leases to core deposits | 90.4298% | 2,454 |
| Total domestic deposits to total assets | 83.8035% | 3,117 |
| Equity capital to assets | 9.0095% | 4,676 |
| Core capital (leverage) ratio | 9.3902% | 4,268 |
| Tier 1 risk-based capital ratio | 15.1644% | 2,811 |
| Total risk-based capital ratio | 16.4173% | 2,720 |
| Memoranda: | ||
| Average total assets | $125,572,500 | 3,716 |
| Average earning assets | $120,237,000 | 3,655 |
| Average equity | $11,408,500 | 4,142 |
| Average total loans | $78,413,000 | 3,727 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 1,967 |
| Cost of funding earning assets | 0.9200% | 1,025 |
| Net interest margin | 3.7373% | 2,908 |
| Noninterest income to average assets | 0.6704% | 1,960 |
| Noninterest expense to average assets | 2.5506% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7089% | 679 |
| Return on assets (ROA) | 1.7064% | 671 |
| Pretax return on assets | 1.7064% | 1,154 |
| Return on Equity (ROE) | 19.2340% | 299 |
| Retained earnings to average equity (ytd only) | 4.4528% | 3,078 |
| Net charge-offs to loans | 0.0163% | 3,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 173.7500% | 504 |
| Efficiency ratio | 59.8807% | 3,878 |
| Assets per employee ($millions) | 4.4171% | 3,286 |
| Cash dividends to net income (ytd only)* | 76.8492% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,293 |
| Loan loss allowance to noncurrent loans | 167.3851% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 2,357 |
| Noncurrent loans to loans | 0.8960% | 1,794 |
| Net loans and leases to total assets | 61.8634% | 3,581 |
| Net loans and leases to deposits | 74.7859% | 3,440 |
| Net loans and leases to core deposits | 94.7904% | 2,158 |
| Total domestic deposits to total assets | 82.7206% | 3,417 |
| Equity capital to assets | 9.1632% | 4,436 |
| Core capital (leverage) ratio | 9.5837% | 4,022 |
| Tier 1 risk-based capital ratio | 15.8393% | 2,475 |
| Total risk-based capital ratio | 17.0932% | 2,398 |
| Memoranda: | ||
| Average total assets | $122,011,200 | 3,756 |
| Average earning assets | $117,171,000 | 3,691 |
| Average equity | $10,824,600 | 4,183 |
| Average total loans | $73,787,600 | 3,791 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5763% | 2,052 |
| Cost of funding earning assets | 0.8816% | 994 |
| Net interest margin | 3.6947% | 3,040 |
| Noninterest income to average assets | 0.6678% | 1,985 |
| Noninterest expense to average assets | 2.4836% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7270% | 705 |
| Return on assets (ROA) | 1.7533% | 662 |
| Pretax return on assets | 1.7533% | 1,131 |
| Return on Equity (ROE) | 19.9294% | 279 |
| Retained earnings to average equity (ytd only) | -0.0124% | 5,038 |
| Net charge-offs to loans | -0.0311% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9844% | 3,966 |
| Assets per employee ($millions) | 4.3286% | 3,388 |
| Cash dividends to net income (ytd only)* | 100.0624% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 1,162 |
| Loan loss allowance to noncurrent loans | 682.2857% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 4,226 |
| Noncurrent loans to loans | 0.2292% | 3,886 |
| Net loans and leases to total assets | 62.0110% | 3,656 |
| Net loans and leases to deposits | 76.8848% | 3,339 |
| Net loans and leases to core deposits | 94.9840% | 2,212 |
| Total domestic deposits to total assets | 80.6545% | 3,968 |
| Equity capital to assets | 8.5866% | 4,873 |
| Core capital (leverage) ratio | 9.4890% | 4,190 |
| Tier 1 risk-based capital ratio | 15.4319% | 2,678 |
| Total risk-based capital ratio | 16.6858% | 2,611 |
| Memoranda: | ||
| Average total assets | $121,594,250 | 3,803 |
| Average earning assets | $116,597,500 | 3,742 |
| Average equity | $10,697,500 | 4,242 |
| Average total loans | $72,815,250 | 3,851 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 2,094 |
| Cost of funding earning assets | 0.8592% | 877 |
| Net interest margin | 3.6373% | 3,171 |
| Noninterest income to average assets | 0.6589% | 2,051 |
| Noninterest expense to average assets | 2.5385% | 3,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6053% | 913 |
| Return on assets (ROA) | 1.6660% | 788 |
| Pretax return on assets | 1.6660% | 1,303 |
| Return on Equity (ROE) | 18.7876% | 348 |
| Retained earnings to average equity (ytd only) | 2.1122% | 4,425 |
| Net charge-offs to loans | -0.0838% | 5,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2609% | 3,730 |
| Assets per employee ($millions) | 4.3875% | 3,298 |
| Cash dividends to net income (ytd only)* | 88.7574% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 992 |
| Loan loss allowance to noncurrent loans | 393.1596% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 3,761 |
| Noncurrent loans to loans | 0.4197% | 3,195 |
| Net loans and leases to total assets | 58.5613% | 3,945 |
| Net loans and leases to deposits | 72.8652% | 3,646 |
| Net loans and leases to core deposits | 88.6564% | 2,669 |
| Total domestic deposits to total assets | 80.3694% | 4,161 |
| Equity capital to assets | 8.7498% | 4,763 |
| Core capital (leverage) ratio | 9.5618% | 4,043 |
| Tier 1 risk-based capital ratio | 15.8562% | 2,489 |
| Total risk-based capital ratio | 17.1116% | 2,434 |
| Memoranda: | ||
| Average total assets | $121,725,330 | 3,831 |
| Average earning assets | $116,625,000 | 3,766 |
| Average equity | $10,794,330 | 4,263 |
| Average total loans | $71,636,330 | 3,900 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4321% | 2,085 |
| Cost of funding earning assets | 0.8336% | 822 |
| Net interest margin | 3.5985% | 3,187 |
| Noninterest income to average assets | 0.6173% | 2,183 |
| Noninterest expense to average assets | 2.5519% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5285% | 1,012 |
| Return on assets (ROA) | 1.5351% | 1,001 |
| Pretax return on assets | 1.5351% | 1,581 |
| Return on Equity (ROE) | 17.1952% | 490 |
| Retained earnings to average equity (ytd only) | -16.0858% | 5,468 |
| Net charge-offs to loans | -0.2201% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5405% | 3,699 |
| Assets per employee ($millions) | 4.3364% | 3,417 |
| Cash dividends to net income (ytd only)* | 193.5484% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 877 |
| Loan loss allowance to noncurrent loans | 450.3704% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 3,988 |
| Noncurrent loans to loans | 0.3867% | 3,399 |
| Net loans and leases to total assets | 56.4999% | 4,082 |
| Net loans and leases to deposits | 71.3783% | 3,670 |
| Net loans and leases to core deposits | 85.7127% | 2,829 |
| Total domestic deposits to total assets | 79.1555% | 4,555 |
| Equity capital to assets | 8.4666% | 5,002 |
| Core capital (leverage) ratio | 9.1722% | 4,475 |
| Tier 1 risk-based capital ratio | 15.7793% | 2,562 |
| Total risk-based capital ratio | 17.0350% | 2,511 |
| Memoranda: | ||
| Average total assets | $121,163,500 | 3,886 |
| Average earning assets | $116,603,500 | 3,801 |
| Average equity | $10,817,000 | 4,304 |
| Average total loans | $70,880,000 | 3,952 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 2,471 |
| Cost of funding earning assets | 0.7635% | 771 |
| Net interest margin | 3.4942% | 3,550 |
| Noninterest income to average assets | 0.6053% | 2,422 |
| Noninterest expense to average assets | 2.2252% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7264% | 498 |
| Return on assets (ROA) | 1.7475% | 489 |
| Pretax return on assets | 1.7475% | 902 |
| Return on Equity (ROE) | 19.3407% | 225 |
| Retained earnings to average equity (ytd only) | 8.5509% | 602 |
| Net charge-offs to loans | 0.0915% | 2,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 34.2742% | 1,404 |
| Efficiency ratio | 56.3117% | 4,738 |
| Assets per employee ($millions) | 4.4781% | 3,219 |
| Cash dividends to net income (ytd only)* | 55.7880% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 1,059 |
| Loan loss allowance to noncurrent loans | 355.5891% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 3,792 |
| Noncurrent loans to loans | 0.4601% | 3,131 |
| Net loans and leases to total assets | 58.5283% | 3,964 |
| Net loans and leases to deposits | 76.8577% | 3,245 |
| Net loans and leases to core deposits | 90.2478% | 2,545 |
| Total domestic deposits to total assets | 76.1515% | 4,962 |
| Equity capital to assets | 9.3905% | 4,340 |
| Core capital (leverage) ratio | 9.5530% | 3,975 |
| Tier 1 risk-based capital ratio | 16.1302% | 2,388 |
| Total risk-based capital ratio | 17.3851% | 2,327 |
| Memoranda: | ||
| Average total assets | $123,089,200 | 3,848 |
| Average earning assets | $117,881,800 | 3,790 |
| Average equity | $11,121,600 | 4,280 |
| Average total loans | $67,726,600 | 4,013 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2090% | 2,580 |
| Cost of funding earning assets | 0.7530% | 744 |
| Net interest margin | 3.4560% | 3,653 |
| Noninterest income to average assets | 0.5854% | 2,562 |
| Noninterest expense to average assets | 2.1788% | 4,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7120% | 566 |
| Return on assets (ROA) | 1.7206% | 570 |
| Pretax return on assets | 1.7206% | 1,073 |
| Return on Equity (ROE) | 19.2340% | 262 |
| Retained earnings to average equity (ytd only) | 4.7724% | 3,036 |
| Net charge-offs to loans | 0.0920% | 1,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 34.5227% | 1,435 |
| Efficiency ratio | 55.9989% | 4,734 |
| Assets per employee ($millions) | 4.4299% | 3,276 |
| Cash dividends to net income (ytd only)* | 75.1879% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 963 |
| Loan loss allowance to noncurrent loans | 3,615.1515% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 5,115 |
| Noncurrent loans to loans | 0.0481% | 4,896 |
| Net loans and leases to total assets | 54.3140% | 4,388 |
| Net loans and leases to deposits | 72.8616% | 3,681 |
| Net loans and leases to core deposits | 84.4415% | 3,093 |
| Total domestic deposits to total assets | 74.5441% | 5,181 |
| Equity capital to assets | 9.1545% | 4,766 |
| Core capital (leverage) ratio | 8.9107% | 4,851 |
| Tier 1 risk-based capital ratio | 15.7949% | 2,590 |
| Total risk-based capital ratio | 17.0510% | 2,528 |
| Memoranda: | ||
| Average total assets | $123,674,000 | 3,880 |
| Average earning assets | $118,284,000 | 3,817 |
| Average equity | $11,063,500 | 4,331 |
| Average total loans | $66,672,500 | 4,068 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 2,524 |
| Cost of funding earning assets | 0.7314% | 758 |
| Net interest margin | 3.4545% | 3,571 |
| Noninterest income to average assets | 0.5811% | 2,553 |
| Noninterest expense to average assets | 2.1319% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7596% | 490 |
| Return on assets (ROA) | 1.7693% | 491 |
| Pretax return on assets | 1.7693% | 900 |
| Return on Equity (ROE) | 19.9337% | 218 |
| Retained earnings to average equity (ytd only) | 19.9337% | 61 |
| Net charge-offs to loans | 0.0515% | 2,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 63.9412% | 908 |
| Efficiency ratio | 54.7837% | 4,946 |
| Assets per employee ($millions) | 4.4526% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 823 |
| Loan loss allowance to noncurrent loans | 2,715.5556% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 5,119 |
| Noncurrent loans to loans | 0.0676% | 4,853 |
| Net loans and leases to total assets | 52.3790% | 4,537 |
| Net loans and leases to deposits | 72.1513% | 3,720 |
| Net loans and leases to core deposits | 84.2085% | 3,043 |
| Total domestic deposits to total assets | 72.5961% | 5,417 |
| Equity capital to assets | 9.7424% | 4,181 |
| Core capital (leverage) ratio | 9.5237% | 4,111 |
| Tier 1 risk-based capital ratio | 17.4218% | 2,030 |
| Total risk-based capital ratio | 18.6790% | 1,986 |
| Memoranda: | ||
| Average total assets | $123,552,670 | 3,904 |
| Average earning assets | $118,396,670 | 3,831 |
| Average equity | $10,966,330 | 4,365 |
| Average total loans | $66,042,330 | 4,101 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 2,659 |
| Cost of funding earning assets | 0.7178% | 771 |
| Net interest margin | 3.3790% | 3,717 |
| Noninterest income to average assets | 0.5789% | 2,514 |
| Noninterest expense to average assets | 2.0456% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7790% | 465 |
| Return on assets (ROA) | 1.7920% | 469 |
| Pretax return on assets | 1.7920% | 817 |
| Return on Equity (ROE) | 21.2403% | 181 |
| Retained earnings to average equity (ytd only) | 21.2403% | 90 |
| Net charge-offs to loans | 0.1033% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 32.1765% | 1,180 |
| Efficiency ratio | 53.4864% | 5,171 |
| Assets per employee ($millions) | 4.3590% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8695% | 839 |
| Loan loss allowance to noncurrent loans | 2,656.5217% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 5,160 |
| Noncurrent loans to loans | 0.0704% | 4,920 |
| Net loans and leases to total assets | 52.5526% | 4,468 |
| Net loans and leases to deposits | 69.4937% | 3,855 |
| Net loans and leases to core deposits | 80.6209% | 3,237 |
| Total domestic deposits to total assets | 75.6221% | 5,266 |
| Equity capital to assets | 8.8314% | 4,969 |
| Core capital (leverage) ratio | 8.9975% | 4,744 |
| Tier 1 risk-based capital ratio | 16.8368% | 2,235 |
| Total risk-based capital ratio | 18.0941% | 2,202 |
| Memoranda: | ||
| Average total assets | $122,993,000 | 3,951 |
| Average earning assets | $118,141,000 | 3,867 |
| Average equity | $10,376,500 | 4,483 |
| Average total loans | $65,801,500 | 4,134 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 3,249 |
| Cost of funding earning assets | 0.6875% | 870 |
| Net interest margin | 3.2979% | 4,149 |
| Noninterest income to average assets | 0.5564% | 2,879 |
| Noninterest expense to average assets | 2.2808% | 4,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4254% | 956 |
| Return on assets (ROA) | 1.4519% | 940 |
| Pretax return on assets | 1.4519% | 1,747 |
| Return on Equity (ROE) | 15.8418% | 524 |
| Retained earnings to average equity (ytd only) | 2.2831% | 4,223 |
| Net charge-offs to loans | 0.1136% | 2,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 24.6944% | 1,623 |
| Efficiency ratio | 61.5401% | 4,338 |
| Assets per employee ($millions) | 4.4262% | 3,228 |
| Cash dividends to net income (ytd only)* | 85.5881% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8705% | 846 |
| Loan loss allowance to noncurrent loans | 1,822.0588% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 4,797 |
| Noncurrent loans to loans | 0.1027% | 4,821 |
| Net loans and leases to total assets | 52.4477% | 4,570 |
| Net loans and leases to deposits | 68.5141% | 4,050 |
| Net loans and leases to core deposits | 78.6268% | 3,518 |
| Total domestic deposits to total assets | 76.5502% | 5,175 |
| Equity capital to assets | 8.0479% | 5,540 |
| Core capital (leverage) ratio | 8.7097% | 5,063 |
| Tier 1 risk-based capital ratio | 16.1068% | 2,501 |
| Total risk-based capital ratio | 17.3644% | 2,440 |
| Memoranda: | ||
| Average total assets | $124,734,800 | 3,913 |
| Average earning assets | $119,134,800 | 3,845 |
| Average equity | $11,431,800 | 4,348 |
| Average total loans | $63,390,200 | 4,195 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 3,428 |
| Cost of funding earning assets | 0.6847% | 880 |
| Net interest margin | 3.2646% | 4,295 |
| Noninterest income to average assets | 0.5667% | 2,839 |
| Noninterest expense to average assets | 2.2070% | 4,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4738% | 924 |
| Return on assets (ROA) | 1.5602% | 824 |
| Pretax return on assets | 1.5602% | 1,498 |
| Return on Equity (ROE) | 16.5246% | 489 |
| Retained earnings to average equity (ytd only) | 8.0476% | 1,151 |
| Net charge-offs to loans | 0.1553% | 1,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 18.9180% | 1,969 |
| Efficiency ratio | 59.9594% | 4,548 |
| Assets per employee ($millions) | 4.3587% | 3,315 |
| Cash dividends to net income (ytd only)* | 51.3000% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9577% | 773 |
| Loan loss allowance to noncurrent loans | 3,257.8947% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 4,841 |
| Noncurrent loans to loans | 0.0601% | 5,118 |
| Net loans and leases to total assets | 50.8014% | 4,759 |
| Net loans and leases to deposits | 67.5617% | 4,195 |
| Net loans and leases to core deposits | 76.9699% | 3,758 |
| Total domestic deposits to total assets | 75.1926% | 5,318 |
| Equity capital to assets | 9.9857% | 4,140 |
| Core capital (leverage) ratio | 9.1733% | 4,632 |
| Tier 1 risk-based capital ratio | 17.6628% | 2,019 |
| Total risk-based capital ratio | 18.9203% | 1,975 |
| Memoranda: | ||
| Average total assets | $124,935,250 | 3,934 |
| Average earning assets | $119,174,250 | 3,861 |
| Average equity | $11,796,250 | 4,322 |
| Average total loans | $62,678,000 | 4,236 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9372% | 3,476 |
| Cost of funding earning assets | 0.6843% | 866 |
| Net interest margin | 3.2529% | 4,367 |
| Noninterest income to average assets | 0.5751% | 2,760 |
| Noninterest expense to average assets | 2.1557% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5155% | 868 |
| Return on assets (ROA) | 1.5965% | 774 |
| Pretax return on assets | 1.5965% | 1,381 |
| Return on Equity (ROE) | 17.2296% | 418 |
| Retained earnings to average equity (ytd only) | 4.3717% | 3,133 |
| Net charge-offs to loans | 0.1408% | 1,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 21.6818% | 1,668 |
| Efficiency ratio | 58.7192% | 4,809 |
| Assets per employee ($millions) | 4.5751% | 2,903 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0430% | 683 |
| Loan loss allowance to noncurrent loans | 565.6250% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 4,768 |
| Noncurrent loans to loans | 0.3612% | 4,074 |
| Net loans and leases to total assets | 49.1795% | 4,897 |
| Net loans and leases to deposits | 64.9691% | 4,426 |
| Net loans and leases to core deposits | 74.0492% | 3,977 |
| Total domestic deposits to total assets | 75.6968% | 5,323 |
| Equity capital to assets | 9.6586% | 4,604 |
| Core capital (leverage) ratio | 8.4437% | 5,407 |
| Tier 1 risk-based capital ratio | 17.1164% | 2,173 |
| Total risk-based capital ratio | 18.3762% | 2,133 |
| Memoranda: | ||
| Average total assets | $125,899,000 | 3,945 |
| Average earning assets | $119,832,000 | 3,883 |
| Average equity | $11,666,000 | 4,371 |
| Average total loans | $62,491,330 | 4,273 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,425 |
| Cost of funding earning assets | 0.6797% | 893 |
| Net interest margin | 3.2631% | 4,348 |
| Noninterest income to average assets | 0.5697% | 2,681 |
| Noninterest expense to average assets | 2.2505% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4321% | 977 |
| Return on assets (ROA) | 1.5360% | 841 |
| Pretax return on assets | 1.5360% | 1,486 |
| Return on Equity (ROE) | 16.9246% | 447 |
| Retained earnings to average equity (ytd only) | 16.9246% | 156 |
| Net charge-offs to loans | 0.2487% | 830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,847 |
| Efficiency ratio | 61.1111% | 4,585 |
| Assets per employee ($millions) | 4.7271% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0461% | 761 |
| Loan loss allowance to noncurrent loans | 1,570.3704% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 5,348 |
| Noncurrent loans to loans | 0.1303% | 4,951 |
| Net loans and leases to total assets | 47.7122% | 4,990 |
| Net loans and leases to deposits | 63.0296% | 4,503 |
| Net loans and leases to core deposits | 71.7969% | 4,080 |
| Total domestic deposits to total assets | 75.6981% | 5,449 |
| Equity capital to assets | 9.3464% | 4,846 |
| Core capital (leverage) ratio | 8.5895% | 5,302 |
| Tier 1 risk-based capital ratio | 17.0169% | 2,285 |
| Total risk-based capital ratio | 18.2754% | 2,236 |
| Memoranda: | ||
| Average total assets | $127,085,000 | 3,958 |
| Average earning assets | $121,236,000 | 3,884 |
| Average equity | $11,533,500 | 4,412 |
| Average total loans | $62,728,500 | 4,294 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 3,770 |
| Cost of funding earning assets | 0.6620% | 1,005 |
| Net interest margin | 3.2200% | 4,555 |
| Noninterest income to average assets | 0.4786% | 3,471 |
| Noninterest expense to average assets | 2.1126% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4584% | 934 |
| Return on assets (ROA) | 1.5706% | 771 |
| Pretax return on assets | 1.5706% | 1,339 |
| Return on Equity (ROE) | 17.3176% | 427 |
| Retained earnings to average equity (ytd only) | -0.8044% | 5,635 |
| Net charge-offs to loans | -0.0885% | 5,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1603% | 5,011 |
| Assets per employee ($millions) | 4.5192% | 3,012 |
| Cash dividends to net income (ytd only)* | 104.6452% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0715% | 713 |
| Loan loss allowance to noncurrent loans | 13,110.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 5,678 |
| Noncurrent loans to loans | 0.0158% | 5,463 |
| Net loans and leases to total assets | 48.9798% | 4,943 |
| Net loans and leases to deposits | 64.3332% | 4,446 |
| Net loans and leases to core deposits | 72.8887% | 4,048 |
| Total domestic deposits to total assets | 76.1344% | 5,427 |
| Equity capital to assets | 8.8021% | 5,306 |
| Core capital (leverage) ratio | 8.3112% | 5,595 |
| Tier 1 risk-based capital ratio | 16.0825% | 2,653 |
| Total risk-based capital ratio | 17.3418% | 2,594 |
| Memoranda: | ||
| Average total assets | $124,727,200 | 3,991 |
| Average earning assets | $119,784,400 | 3,889 |
| Average equity | $11,312,200 | 4,422 |
| Average total loans | $62,155,800 | 4,316 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8541% | 3,920 |
| Cost of funding earning assets | 0.6628% | 1,015 |
| Net interest margin | 3.1913% | 4,698 |
| Noninterest income to average assets | 0.4463% | 3,747 |
| Noninterest expense to average assets | 2.0996% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4151% | 1,074 |
| Return on assets (ROA) | 1.5417% | 899 |
| Pretax return on assets | 1.5417% | 1,566 |
| Return on Equity (ROE) | 16.8721% | 480 |
| Retained earnings to average equity (ytd only) | 2.1956% | 4,785 |
| Net charge-offs to loans | -0.1487% | 5,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7375% | 4,921 |
| Assets per employee ($millions) | 4.6215% | 2,807 |
| Cash dividends to net income (ytd only)* | 86.9871% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1097% | 764 |
| Loan loss allowance to noncurrent loans | 2,944.4444% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 5,644 |
| Noncurrent loans to loans | 0.0717% | 5,339 |
| Net loans and leases to total assets | 49.2699% | 4,990 |
| Net loans and leases to deposits | 64.8048% | 4,487 |
| Net loans and leases to core deposits | 74.9735% | 3,912 |
| Total domestic deposits to total assets | 76.0282% | 5,477 |
| Equity capital to assets | 9.0984% | 5,211 |
| Core capital (leverage) ratio | 8.6740% | 5,383 |
| Tier 1 risk-based capital ratio | 16.6609% | 2,496 |
| Total risk-based capital ratio | 17.9205% | 2,451 |
| Memoranda: | ||
| Average total assets | $124,274,500 | 4,035 |
| Average earning assets | $119,487,750 | 3,927 |
| Average equity | $11,355,750 | 4,468 |
| Average total loans | $61,872,500 | 4,369 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8444% | 3,901 |
| Cost of funding earning assets | 0.6609% | 1,044 |
| Net interest margin | 3.1835% | 4,707 |
| Noninterest income to average assets | 0.4190% | 3,933 |
| Noninterest expense to average assets | 2.1192% | 5,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3585% | 1,170 |
| Return on assets (ROA) | 1.5422% | 874 |
| Pretax return on assets | 1.5422% | 1,516 |
| Return on Equity (ROE) | 16.8535% | 502 |
| Retained earnings to average equity (ytd only) | -5.1600% | 6,028 |
| Net charge-offs to loans | -0.2307% | 6,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9361% | 4,837 |
| Assets per employee ($millions) | 4.4987% | 2,991 |
| Cash dividends to net income (ytd only)* | 130.6165% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1396% | 804 |
| Loan loss allowance to noncurrent loans | 589.7778% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 5,125 |
| Noncurrent loans to loans | 0.3628% | 4,410 |
| Net loans and leases to total assets | 49.9695% | 4,937 |
| Net loans and leases to deposits | 64.7496% | 4,463 |
| Net loans and leases to core deposits | 74.0282% | 3,958 |
| Total domestic deposits to total assets | 77.1735% | 5,431 |
| Equity capital to assets | 8.7828% | 5,451 |
| Core capital (leverage) ratio | 8.2673% | 5,737 |
| Tier 1 risk-based capital ratio | 16.2146% | 2,753 |
| Total risk-based capital ratio | 17.4744% | 2,697 |
| Memoranda: | ||
| Average total assets | $124,106,000 | 4,071 |
| Average earning assets | $119,238,000 | 3,966 |
| Average equity | $11,356,670 | 4,495 |
| Average total loans | $61,562,000 | 4,421 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 4,068 |
| Cost of funding earning assets | 0.6514% | 1,106 |
| Net interest margin | 3.1339% | 4,839 |
| Noninterest income to average assets | 0.4018% | 3,991 |
| Noninterest expense to average assets | 2.1750% | 5,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2342% | 1,452 |
| Return on assets (ROA) | 1.4223% | 1,046 |
| Pretax return on assets | 1.4223% | 1,803 |
| Return on Equity (ROE) | 15.2466% | 678 |
| Retained earnings to average equity (ytd only) | 15.2466% | 266 |
| Net charge-offs to loans | 0.0652% | 2,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 38.7000% | 995 |
| Efficiency ratio | 63.7979% | 4,512 |
| Assets per employee ($millions) | 4.5248% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0174% | 1,042 |
| Loan loss allowance to noncurrent loans | 6,922.2222% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 5,898 |
| Noncurrent loans to loans | 0.0291% | 5,685 |
| Net loans and leases to total assets | 47.7651% | 5,059 |
| Net loans and leases to deposits | 61.9578% | 4,575 |
| Net loans and leases to core deposits | 70.2319% | 4,129 |
| Total domestic deposits to total assets | 77.0930% | 5,598 |
| Equity capital to assets | 9.4463% | 4,811 |
| Core capital (leverage) ratio | 8.8410% | 5,150 |
| Tier 1 risk-based capital ratio | 17.2866% | 2,382 |
| Total risk-based capital ratio | 18.5451% | 2,336 |
| Memoranda: | ||
| Average total assets | $125,427,000 | 4,077 |
| Average earning assets | $120,361,500 | 3,964 |
| Average equity | $11,701,000 | 4,471 |
| Average total loans | $61,332,000 | 4,460 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0749% | 3,423 |
| Cost of funding earning assets | 0.6964% | 1,132 |
| Net interest margin | 3.3785% | 4,287 |
| Noninterest income to average assets | 0.6306% | 2,673 |
| Noninterest expense to average assets | 2.1575% | 5,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6978% | 582 |
| Return on assets (ROA) | 1.8770% | 424 |
| Pretax return on assets | 1.8770% | 675 |
| Return on Equity (ROE) | 20.1788% | 244 |
| Retained earnings to average equity (ytd only) | -1.2311% | 5,948 |
| Net charge-offs to loans | -0.0750% | 6,041 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9621% | 5,668 |
| Assets per employee ($millions) | 4.5985% | 2,878 |
| Cash dividends to net income (ytd only)* | 106.1008% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0623% | 1,003 |
| Loan loss allowance to noncurrent loans | 1,874.6269% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 5,800 |
| Noncurrent loans to loans | 0.1100% | 5,451 |
| Net loans and leases to total assets | 48.0400% | 5,152 |
| Net loans and leases to deposits | 62.3449% | 4,697 |
| Net loans and leases to core deposits | 71.2081% | 4,198 |
| Total domestic deposits to total assets | 77.0552% | 5,592 |
| Equity capital to assets | 9.2092% | 5,062 |
| Core capital (leverage) ratio | 8.5254% | 5,535 |
| Tier 1 risk-based capital ratio | 16.0204% | 2,953 |
| Total risk-based capital ratio | 17.2838% | 2,888 |
| Memoranda: | ||
| Average total assets | $120,511,400 | 4,170 |
| Average earning assets | $115,022,200 | 4,072 |
| Average equity | $11,209,800 | 4,522 |
| Average total loans | $61,372,000 | 4,449 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 3,302 |
| Cost of funding earning assets | 0.7023% | 1,141 |
| Net interest margin | 3.4167% | 4,167 |
| Noninterest income to average assets | 0.4861% | 3,643 |
| Noninterest expense to average assets | 2.1215% | 5,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6243% | 709 |
| Return on assets (ROA) | 1.8372% | 490 |
| Pretax return on assets | 1.8372% | 819 |
| Return on Equity (ROE) | 19.6999% | 301 |
| Retained earnings to average equity (ytd only) | -1.8170% | 6,050 |
| Net charge-offs to loans | -0.1019% | 6,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6369% | 5,596 |
| Assets per employee ($millions) | 4.3936% | 3,139 |
| Cash dividends to net income (ytd only)* | 109.2232% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0355% | 1,195 |
| Loan loss allowance to noncurrent loans | 10,475.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 6,146 |
| Noncurrent loans to loans | 0.0194% | 5,952 |
| Net loans and leases to total assets | 49.1749% | 5,094 |
| Net loans and leases to deposits | 64.1153% | 4,525 |
| Net loans and leases to core deposits | 74.4786% | 3,899 |
| Total domestic deposits to total assets | 76.6977% | 5,728 |
| Equity capital to assets | 9.3016% | 5,031 |
| Core capital (leverage) ratio | 8.6830% | 5,459 |
| Tier 1 risk-based capital ratio | 15.9019% | 3,105 |
| Total risk-based capital ratio | 17.1666% | 3,042 |
| Memoranda: | ||
| Average total assets | $119,599,500 | 4,227 |
| Average earning assets | $114,103,500 | 4,126 |
| Average equity | $11,153,750 | 4,562 |
| Average total loans | $61,489,500 | 4,482 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 3,031 |
| Cost of funding earning assets | 0.7085% | 1,148 |
| Net interest margin | 3.4716% | 3,887 |
| Noninterest income to average assets | 0.4947% | 3,513 |
| Noninterest expense to average assets | 2.1695% | 5,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6343% | 660 |
| Return on assets (ROA) | 1.7559% | 552 |
| Pretax return on assets | 1.7559% | 922 |
| Return on Equity (ROE) | 18.8111% | 379 |
| Retained earnings to average equity (ytd only) | -6.5115% | 6,326 |
| Net charge-offs to loans | -0.1661% | 6,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0351% | 5,652 |
| Assets per employee ($millions) | 4.4813% | 2,950 |
| Cash dividends to net income (ytd only)* | 134.6154% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0419% | 1,290 |
| Loan loss allowance to noncurrent loans | 1,970.3125% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 6,032 |
| Noncurrent loans to loans | 0.1036% | 5,704 |
| Net loans and leases to total assets | 49.9983% | 4,963 |
| Net loans and leases to deposits | 65.4414% | 4,325 |
| Net loans and leases to core deposits | 74.6671% | 3,762 |
| Total domestic deposits to total assets | 76.4017% | 5,868 |
| Equity capital to assets | 9.3598% | 4,901 |
| Core capital (leverage) ratio | 8.6337% | 5,488 |
| Tier 1 risk-based capital ratio | 15.6563% | 3,267 |
| Total risk-based capital ratio | 16.9223% | 3,203 |
| Memoranda: | ||
| Average total assets | $118,458,670 | 4,276 |
| Average earning assets | $112,915,000 | 4,166 |
| Average equity | $11,057,330 | 4,597 |
| Average total loans | $61,401,670 | 4,499 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 2,860 |
| Cost of funding earning assets | 0.7098% | 1,192 |
| Net interest margin | 3.4955% | 3,718 |
| Noninterest income to average assets | 0.4983% | 3,423 |
| Noninterest expense to average assets | 2.2596% | 5,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5667% | 711 |
| Return on assets (ROA) | 1.5667% | 741 |
| Pretax return on assets | 1.5667% | 1,247 |
| Return on Equity (ROE) | 16.8078% | 551 |
| Retained earnings to average equity (ytd only) | -6.9941% | 6,243 |
| Net charge-offs to loans | -0.4508% | 6,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0544% | 5,534 |
| Assets per employee ($millions) | 4.3831% | 3,178 |
| Cash dividends to net income (ytd only)* | 141.6122% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1145% | 1,296 |
| Loan loss allowance to noncurrent loans | 1,827.1429% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 6,101 |
| Noncurrent loans to loans | 0.1157% | 5,781 |
| Net loans and leases to total assets | 50.0292% | 4,907 |
| Net loans and leases to deposits | 66.4963% | 4,028 |
| Net loans and leases to core deposits | 75.4614% | 3,467 |
| Total domestic deposits to total assets | 75.2360% | 6,136 |
| Equity capital to assets | 9.3734% | 4,663 |
| Core capital (leverage) ratio | 8.8819% | 5,162 |
| Tier 1 risk-based capital ratio | 16.1570% | 3,083 |
| Total risk-based capital ratio | 17.4237% | 3,034 |
| Memoranda: | ||
| Average total assets | $117,190,000 | 4,333 |
| Average earning assets | $111,573,500 | 4,231 |
| Average equity | $10,923,500 | 4,640 |
| Average total loans | $61,224,000 | 4,545 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 3,169 |
| Cost of funding earning assets | 0.7243% | 1,652 |
| Net interest margin | 3.5209% | 3,802 |
| Noninterest income to average assets | 0.5494% | 3,407 |
| Noninterest expense to average assets | 2.0768% | 5,878 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8201% | 465 |
| Return on assets (ROA) | 1.9007% | 412 |
| Pretax return on assets | 1.9007% | 599 |
| Return on Equity (ROE) | 19.7977% | 291 |
| Retained earnings to average equity (ytd only) | 6.6924% | 1,581 |
| Net charge-offs to loans | 0.1435% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 24.9425% | 1,346 |
| Efficiency ratio | 53.2932% | 6,194 |
| Assets per employee ($millions) | 4.2976% | 3,274 |
| Cash dividends to net income (ytd only)* | 66.1959% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9528% | 1,667 |
| Loan loss allowance to noncurrent loans | 342.7762% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 5,353 |
| Noncurrent loans to loans | 0.5697% | 4,565 |
| Net loans and leases to total assets | 52.3566% | 4,806 |
| Net loans and leases to deposits | 69.7553% | 3,813 |
| Net loans and leases to core deposits | 79.7888% | 3,158 |
| Total domestic deposits to total assets | 75.0575% | 6,191 |
| Equity capital to assets | 9.2679% | 4,723 |
| Core capital (leverage) ratio | 8.9662% | 5,054 |
| Tier 1 risk-based capital ratio | 16.1565% | 3,027 |
| Total risk-based capital ratio | 17.4202% | 2,975 |
| Memoranda: | ||
| Average total assets | $119,221,000 | 4,291 |
| Average earning assets | $113,350,200 | 4,194 |
| Average equity | $11,445,800 | 4,551 |
| Average total loans | $60,612,000 | 4,596 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 3,339 |
| Cost of funding earning assets | 0.7220% | 1,795 |
| Net interest margin | 3.4910% | 3,919 |
| Noninterest income to average assets | 0.5544% | 3,425 |
| Noninterest expense to average assets | 1.9919% | 6,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8819% | 454 |
| Return on assets (ROA) | 1.8952% | 451 |
| Pretax return on assets | 1.8952% | 719 |
| Return on Equity (ROE) | 19.5771% | 332 |
| Retained earnings to average equity (ytd only) | 6.9541% | 1,899 |
| Net charge-offs to loans | -0.0088% | 5,866 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4196% | 6,295 |
| Assets per employee ($millions) | 4.4609% | 2,939 |
| Cash dividends to net income (ytd only)* | 64.4783% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1198% | 1,465 |
| Loan loss allowance to noncurrent loans | 144.5556% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 4,238 |
| Noncurrent loans to loans | 1.4664% | 2,968 |
| Net loans and leases to total assets | 49.8755% | 5,152 |
| Net loans and leases to deposits | 69.0792% | 3,924 |
| Net loans and leases to core deposits | 79.9085% | 3,144 |
| Total domestic deposits to total assets | 72.2004% | 6,479 |
| Equity capital to assets | 8.8082% | 5,414 |
| Core capital (leverage) ratio | 8.6885% | 5,554 |
| Tier 1 risk-based capital ratio | 15.7640% | 3,320 |
| Total risk-based capital ratio | 17.0293% | 3,267 |
| Memoranda: | ||
| Average total assets | $120,017,500 | 4,318 |
| Average earning assets | $114,120,500 | 4,220 |
| Average equity | $11,618,750 | 4,572 |
| Average total loans | $60,274,500 | 4,651 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 3,449 |
| Cost of funding earning assets | 0.7254% | 1,882 |
| Net interest margin | 3.4537% | 3,990 |
| Noninterest income to average assets | 0.5706% | 3,380 |
| Noninterest expense to average assets | 1.9353% | 6,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9237% | 405 |
| Return on assets (ROA) | 1.9303% | 430 |
| Pretax return on assets | 1.9303% | 695 |
| Return on Equity (ROE) | 19.3554% | 357 |
| Retained earnings to average equity (ytd only) | 9.3180% | 1,021 |
| Net charge-offs to loans | -0.2571% | 6,724 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1513% | 6,419 |
| Assets per employee ($millions) | 4.5109% | 2,805 |
| Cash dividends to net income (ytd only)* | 51.8583% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2862% | 1,283 |
| Loan loss allowance to noncurrent loans | 123.5612% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 3,965 |
| Noncurrent loans to loans | 1.8503% | 2,560 |
| Net loans and leases to total assets | 48.2171% | 5,307 |
| Net loans and leases to deposits | 65.9891% | 4,266 |
| Net loans and leases to core deposits | 75.3039% | 3,638 |
| Total domestic deposits to total assets | 73.0682% | 6,501 |
| Equity capital to assets | 9.1401% | 5,056 |
| Core capital (leverage) ratio | 8.8374% | 5,236 |
| Tier 1 risk-based capital ratio | 15.7757% | 3,326 |
| Total risk-based capital ratio | 17.0408% | 3,272 |
| Memoranda: | ||
| Average total assets | $119,875,330 | 4,354 |
| Average earning assets | $114,137,330 | 4,254 |
| Average equity | $11,955,330 | 4,546 |
| Average total loans | $59,908,330 | 4,677 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 3,358 |
| Cost of funding earning assets | 0.7319% | 1,982 |
| Net interest margin | 3.4546% | 3,881 |
| Noninterest income to average assets | 0.5987% | 3,145 |
| Noninterest expense to average assets | 1.7996% | 6,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0855% | 300 |
| Return on assets (ROA) | 2.0990% | 321 |
| Pretax return on assets | 2.0990% | 494 |
| Return on Equity (ROE) | 20.1827% | 281 |
| Retained earnings to average equity (ytd only) | 20.1827% | 134 |
| Net charge-offs to loans | -0.8426% | 6,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3203% | 6,681 |
| Assets per employee ($millions) | 4.5981% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3847% | 1,267 |
| Loan loss allowance to noncurrent loans | 216.9207% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 5,023 |
| Noncurrent loans to loans | 1.0993% | 3,945 |
| Net loans and leases to total assets | 48.7235% | 5,151 |
| Net loans and leases to deposits | 66.2764% | 4,015 |
| Net loans and leases to core deposits | 75.1707% | 3,447 |
| Total domestic deposits to total assets | 73.5157% | 6,565 |
| Equity capital to assets | 10.4500% | 3,601 |
| Core capital (leverage) ratio | 8.9568% | 4,954 |
| Tier 1 risk-based capital ratio | 16.0065% | 3,268 |
| Total risk-based capital ratio | 17.2738% | 3,216 |
| Memoranda: | ||
| Average total assets | $118,916,500 | 4,419 |
| Average earning assets | $113,124,500 | 4,306 |
| Average equity | $12,367,000 | 4,500 |
| Average total loans | $59,813,000 | 4,715 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5554% | 3,188 |
| Cost of funding earning assets | 0.8154% | 2,540 |
| Net interest margin | 3.7400% | 3,479 |
| Noninterest income to average assets | 0.5547% | 3,545 |
| Noninterest expense to average assets | 2.0208% | 6,287 |
| Loan and lease loss provision to assets | 0.2560% | 2,604 |
| Net operating income to assets | 1.8279% | 491 |
| Return on assets (ROA) | 2.1291% | 318 |
| Pretax return on assets | 2.1291% | 469 |
| Return on Equity (ROE) | 19.6649% | 314 |
| Retained earnings to average equity (ytd only) | -1.6158% | 6,105 |
| Net charge-offs to loans | -0.0219% | 6,570 |
| Credit loss provision to net charge-offs | -2,307.6923% | 6,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2308% | 6,638 |
| Assets per employee ($millions) | 4.0787% | 3,792 |
| Cash dividends to net income (ytd only)* | 108.2164% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1633% | 1,621 |
| Loan loss allowance to noncurrent loans | 179.6399% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 4,950 |
| Noncurrent loans to loans | 1.2043% | 3,846 |
| Net loans and leases to total assets | 49.5904% | 5,223 |
| Net loans and leases to deposits | 65.9824% | 4,289 |
| Net loans and leases to core deposits | 74.7642% | 3,688 |
| Total domestic deposits to total assets | 75.1570% | 6,432 |
| Equity capital to assets | 10.3489% | 3,697 |
| Core capital (leverage) ratio | 8.6265% | 5,430 |
| Tier 1 risk-based capital ratio | 15.1537% | 3,635 |
| Total risk-based capital ratio | 16.4127% | 3,576 |
| Memoranda: | ||
| Average total assets | $117,183,600 | 4,418 |
| Average earning assets | $111,231,200 | 4,311 |
| Average equity | $12,687,600 | 4,421 |
| Average total loans | $59,275,200 | 4,743 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 3,148 |
| Cost of funding earning assets | 0.8309% | 2,699 |
| Net interest margin | 3.7837% | 3,410 |
| Noninterest income to average assets | 0.5315% | 3,735 |
| Noninterest expense to average assets | 1.9422% | 6,456 |
| Loan and lease loss provision to assets | 0.4562% | 1,363 |
| Net operating income to assets | 1.7267% | 654 |
| Return on assets (ROA) | 2.0186% | 420 |
| Pretax return on assets | 2.0186% | 679 |
| Return on Equity (ROE) | 18.4381% | 451 |
| Retained earnings to average equity (ytd only) | 0.7292% | 5,863 |
| Net charge-offs to loans | -0.1263% | 6,910 |
| Credit loss provision to net charge-offs | -714.2857% | 6,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0832% | 6,765 |
| Assets per employee ($millions) | 4.4701% | 2,963 |
| Cash dividends to net income (ytd only)* | 96.0452% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3926% | 1,378 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 5,863 |
| Noncurrent loans to loans | 0.6380% | 5,164 |
| Net loans and leases to total assets | 50.5455% | 5,248 |
| Net loans and leases to deposits | 68.9641% | 4,038 |
| Net loans and leases to core deposits | 79.9632% | 3,210 |
| Total domestic deposits to total assets | 73.2925% | 6,656 |
| Equity capital to assets | 11.1081% | 3,142 |
| Core capital (leverage) ratio | 8.7363% | 5,421 |
| Tier 1 risk-based capital ratio | 15.6779% | 3,440 |
| Total risk-based capital ratio | 16.9451% | 3,391 |
| Memoranda: | ||
| Average total assets | $116,908,750 | 4,460 |
| Average earning assets | $111,036,250 | 4,364 |
| Average equity | $12,799,250 | 4,445 |
| Average total loans | $59,105,500 | 4,794 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 3,442 |
| Cost of funding earning assets | 0.8332% | 2,924 |
| Net interest margin | 3.7483% | 3,599 |
| Noninterest income to average assets | 0.5259% | 3,748 |
| Noninterest expense to average assets | 1.9259% | 6,553 |
| Loan and lease loss provision to assets | 0.6488% | 874 |
| Net operating income to assets | 1.5076% | 979 |
| Return on assets (ROA) | 1.8218% | 612 |
| Pretax return on assets | 1.8218% | 998 |
| Return on Equity (ROE) | 16.7211% | 677 |
| Retained earnings to average equity (ytd only) | 4.1842% | 3,825 |
| Net charge-offs to loans | 1.6171% | 577 |
| Credit loss provision to net charge-offs | 80.0000% | 3,318 |
| Earnings coverage of net charge-offs (x) | 2.6589% | 3,676 |
| Efficiency ratio | 47.1769% | 6,823 |
| Assets per employee ($millions) | 4.5053% | 2,897 |
| Cash dividends to net income (ytd only)* | 74.9766% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 3,983 |
| Loan loss allowance to noncurrent loans | 72.1591% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 4,280 |
| Noncurrent loans to loans | 2.0852% | 2,843 |
| Net loans and leases to total assets | 49.6807% | 5,394 |
| Net loans and leases to deposits | 67.5571% | 4,279 |
| Net loans and leases to core deposits | 77.7260% | 3,559 |
| Total domestic deposits to total assets | 73.5389% | 6,709 |
| Equity capital to assets | 10.9828% | 3,140 |
| Core capital (leverage) ratio | 8.9536% | 4,980 |
| Tier 1 risk-based capital ratio | 15.9043% | 3,205 |
| Total risk-based capital ratio | 17.1605% | 3,177 |
| Memoranda: | ||
| Average total assets | $117,137,670 | 4,476 |
| Average earning assets | $111,143,000 | 4,380 |
| Average equity | $12,762,330 | 4,442 |
| Average total loans | $58,745,670 | 4,838 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 3,560 |
| Cost of funding earning assets | 0.8398% | 3,153 |
| Net interest margin | 3.7484% | 3,603 |
| Noninterest income to average assets | 0.5805% | 3,348 |
| Noninterest expense to average assets | 1.8167% | 6,778 |
| Loan and lease loss provision to assets | 0.5464% | 1,082 |
| Net operating income to assets | 1.7689% | 637 |
| Return on assets (ROA) | 1.9635% | 519 |
| Pretax return on assets | 1.9635% | 790 |
| Return on Equity (ROE) | 18.0946% | 536 |
| Retained earnings to average equity (ytd only) | 5.5070% | 3,253 |
| Net charge-offs to loans | 3.2846% | 207 |
| Credit loss provision to net charge-offs | 33.2640% | 3,570 |
| Earnings coverage of net charge-offs (x) | 1.4096% | 3,621 |
| Efficiency ratio | 43.9669% | 6,994 |
| Assets per employee ($millions) | 4.7273% | 2,619 |
| Cash dividends to net income (ytd only)* | 69.5652% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 5,817 |
| Loan loss allowance to noncurrent loans | 50.8436% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.1034% | 4,286 |
| Noncurrent loans to loans | 2.2163% | 2,904 |
| Net loans and leases to total assets | 49.2237% | 5,400 |
| Net loans and leases to deposits | 65.9151% | 4,394 |
| Net loans and leases to core deposits | 75.1291% | 3,727 |
| Total domestic deposits to total assets | 74.6774% | 6,683 |
| Equity capital to assets | 10.8298% | 3,107 |
| Core capital (leverage) ratio | 8.8519% | 5,064 |
| Tier 1 risk-based capital ratio | 15.6583% | 3,358 |
| Total risk-based capital ratio | 16.6794% | 3,455 |
| Memoranda: | ||
| Average total assets | $117,137,500 | 4,511 |
| Average earning assets | $110,981,500 | 4,410 |
| Average equity | $12,711,000 | 4,464 |
| Average total loans | $58,576,500 | 4,877 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 3,296 |
| Cost of funding earning assets | 0.9831% | 3,491 |
| Net interest margin | 3.9305% | 3,205 |
| Noninterest income to average assets | 0.5417% | 3,571 |
| Noninterest expense to average assets | 2.2298% | 6,209 |
| Loan and lease loss provision to assets | 0.6394% | 1,595 |
| Net operating income to assets | 1.3862% | 1,049 |
| Return on assets (ROA) | 1.4270% | 1,051 |
| Pretax return on assets | 1.4270% | 1,694 |
| Return on Equity (ROE) | 14.4056% | 841 |
| Retained earnings to average equity (ytd only) | 9.4752% | 678 |
| Net charge-offs to loans | 0.4505% | 3,179 |
| Credit loss provision to net charge-offs | 286.8526% | 826 |
| Earnings coverage of net charge-offs (x) | 9.0876% | 2,039 |
| Efficiency ratio | 52.3998% | 6,674 |
| Assets per employee ($millions) | 4.1461% | 3,559 |
| Cash dividends to net income (ytd only)* | 34.2253% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6874% | 3,246 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 5,912 |
| Noncurrent loans to loans | 0.8437% | 5,001 |
| Net loans and leases to total assets | 49.3850% | 5,674 |
| Net loans and leases to deposits | 68.0571% | 4,445 |
| Net loans and leases to core deposits | 78.2220% | 3,659 |
| Total domestic deposits to total assets | 72.5640% | 6,843 |
| Equity capital to assets | 10.8733% | 3,117 |
| Core capital (leverage) ratio | 8.7741% | 5,139 |
| Tier 1 risk-based capital ratio | 15.5763% | 3,277 |
| Total risk-based capital ratio | 16.5752% | 3,390 |
| Memoranda: | ||
| Average total assets | $112,610,200 | 4,580 |
| Average earning assets | $106,399,400 | 4,496 |
| Average equity | $11,155,400 | 4,745 |
| Average total loans | $55,710,400 | 5,039 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 3,690 |
| Cost of funding earning assets | 1.0088% | 3,618 |
| Net interest margin | 3.8597% | 3,572 |
| Noninterest income to average assets | 0.5906% | 3,229 |
| Noninterest expense to average assets | 2.1645% | 6,360 |
| Loan and lease loss provision to assets | 0.6145% | 1,601 |
| Net operating income to assets | 1.4593% | 1,028 |
| Return on assets (ROA) | 1.4939% | 1,033 |
| Pretax return on assets | 1.4939% | 1,671 |
| Return on Equity (ROE) | 15.4729% | 751 |
| Retained earnings to average equity (ytd only) | 12.3833% | 457 |
| Net charge-offs to loans | 0.2300% | 3,996 |
| Credit loss provision to net charge-offs | 542.1053% | 507 |
| Earnings coverage of net charge-offs (x) | 18.2953% | 1,310 |
| Efficiency ratio | 51.0698% | 6,762 |
| Assets per employee ($millions) | 4.1756% | 3,491 |
| Cash dividends to net income (ytd only)* | 19.9684% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6413% | 3,479 |
| Loan loss allowance to noncurrent loans | 166.9643% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 5,761 |
| Noncurrent loans to loans | 0.9830% | 4,924 |
| Net loans and leases to total assets | 47.9259% | 5,964 |
| Net loans and leases to deposits | 67.5316% | 4,687 |
| Net loans and leases to core deposits | 77.5082% | 3,976 |
| Total domestic deposits to total assets | 70.9680% | 6,989 |
| Equity capital to assets | 10.5956% | 3,578 |
| Core capital (leverage) ratio | 8.8262% | 5,217 |
| Tier 1 risk-based capital ratio | 15.5146% | 3,377 |
| Total risk-based capital ratio | 16.7703% | 3,340 |
| Memoranda: | ||
| Average total assets | $111,739,750 | 4,625 |
| Average earning assets | $105,602,250 | 4,535 |
| Average equity | $10,788,500 | 4,852 |
| Average total loans | $55,059,000 | 5,112 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8627% | 3,795 |
| Cost of funding earning assets | 1.0283% | 3,752 |
| Net interest margin | 3.8344% | 3,625 |
| Noninterest income to average assets | 0.5854% | 3,229 |
| Noninterest expense to average assets | 2.3070% | 6,103 |
| Loan and lease loss provision to assets | 0.4181% | 2,345 |
| Net operating income to assets | 1.4871% | 918 |
| Return on assets (ROA) | 1.5398% | 872 |
| Pretax return on assets | 1.5398% | 1,403 |
| Return on Equity (ROE) | 16.5182% | 610 |
| Retained earnings to average equity (ytd only) | 16.5182% | 185 |
| Net charge-offs to loans | 0.2646% | 3,565 |
| Credit loss provision to net charge-offs | 319.4444% | 952 |
| Earnings coverage of net charge-offs (x) | 14.5556% | 1,473 |
| Efficiency ratio | 54.7691% | 6,537 |
| Assets per employee ($millions) | 3.9472% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 5,506 |
| Loan loss allowance to noncurrent loans | 123.0347% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 5,851 |
| Noncurrent loans to loans | 0.9827% | 5,018 |
| Net loans and leases to total assets | 48.0397% | 6,044 |
| Net loans and leases to deposits | 65.4702% | 5,077 |
| Net loans and leases to core deposits | 75.0474% | 4,430 |
| Total domestic deposits to total assets | 73.3764% | 6,893 |
| Equity capital to assets | 9.9686% | 4,196 |
| Core capital (leverage) ratio | 8.8058% | 5,036 |
| Tier 1 risk-based capital ratio | 15.5882% | 3,192 |
| Total risk-based capital ratio | 16.6598% | 3,232 |
| Memoranda: | ||
| Average total assets | $110,014,330 | 4,699 |
| Average earning assets | $104,057,000 | 4,602 |
| Average equity | $10,255,330 | 4,983 |
| Average total loans | $54,422,670 | 5,192 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 3,713 |
| Cost of funding earning assets | 1.0655% | 3,744 |
| Net interest margin | 3.8076% | 3,583 |
| Noninterest income to average assets | 0.5863% | 3,262 |
| Noninterest expense to average assets | 2.4048% | 5,872 |
| Loan and lease loss provision to assets | 0.2598% | 3,060 |
| Net operating income to assets | 1.5289% | 823 |
| Return on assets (ROA) | 1.5883% | 758 |
| Pretax return on assets | 1.5883% | 1,222 |
| Return on Equity (ROE) | 17.6905% | 508 |
| Retained earnings to average equity (ytd only) | 17.6905% | 251 |
| Net charge-offs to loans | 0.2453% | 3,104 |
| Credit loss provision to net charge-offs | 212.1212% | 1,415 |
| Earnings coverage of net charge-offs (x) | 14.6061% | 1,358 |
| Efficiency ratio | 57.3451% | 6,342 |
| Assets per employee ($millions) | 3.7490% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 6,322 |
| Loan loss allowance to noncurrent loans | 82.5112% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 5,734 |
| Noncurrent loans to loans | 1.2334% | 4,625 |
| Net loans and leases to total assets | 49.3810% | 5,922 |
| Net loans and leases to deposits | 66.8343% | 4,856 |
| Net loans and leases to core deposits | 77.1224% | 4,142 |
| Total domestic deposits to total assets | 73.8857% | 6,917 |
| Equity capital to assets | 9.5004% | 4,435 |
| Core capital (leverage) ratio | 8.8023% | 4,926 |
| Tier 1 risk-based capital ratio | 15.2930% | 3,258 |
| Total risk-based capital ratio | 16.1931% | 3,417 |
| Memoranda: | ||
| Average total assets | $107,786,500 | 4,796 |
| Average earning assets | $102,112,000 | 4,681 |
| Average equity | $9,677,500 | 5,125 |
| Average total loans | $53,802,000 | 5,263 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0674% | 4,251 |
| Cost of funding earning assets | 1.2569% | 4,167 |
| Net interest margin | 3.8105% | 3,901 |
| Noninterest income to average assets | 0.5980% | 3,493 |
| Noninterest expense to average assets | 2.2915% | 6,381 |
| Loan and lease loss provision to assets | 0.2041% | 5,201 |
| Net operating income to assets | 1.6848% | 536 |
| Return on assets (ROA) | 1.9235% | 341 |
| Pretax return on assets | 1.9235% | 581 |
| Return on Equity (ROE) | 19.8191% | 267 |
| Retained earnings to average equity (ytd only) | 5.9941% | 1,819 |
| Net charge-offs to loans | 0.4200% | 3,940 |
| Credit loss provision to net charge-offs | 101.4286% | 4,474 |
| Earnings coverage of net charge-offs (x) | 9.3857% | 1,832 |
| Efficiency ratio | 54.8143% | 6,734 |
| Assets per employee ($millions) | 3.6845% | 4,498 |
| Cash dividends to net income (ytd only)* | 69.7559% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 6,512 |
| Loan loss allowance to noncurrent loans | 83.4684% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5774% | 5,866 |
| Noncurrent loans to loans | 1.1562% | 4,793 |
| Net loans and leases to total assets | 49.4605% | 6,219 |
| Net loans and leases to deposits | 67.7812% | 5,132 |
| Net loans and leases to core deposits | 78.2624% | 4,427 |
| Total domestic deposits to total assets | 72.9708% | 6,998 |
| Equity capital to assets | 8.4473% | 5,925 |
| Core capital (leverage) ratio | 8.4577% | 5,439 |
| Tier 1 risk-based capital ratio | 14.8052% | 3,370 |
| Total risk-based capital ratio | 15.6571% | 3,567 |
| Memoranda: | ||
| Average total assets | $104,341,800 | 4,863 |
| Average earning assets | $98,097,200 | 4,768 |
| Average equity | $10,126,600 | 5,096 |
| Average total loans | $49,999,200 | 5,484 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 4,555 |
| Cost of funding earning assets | 1.2877% | 4,308 |
| Net interest margin | 3.7701% | 4,092 |
| Noninterest income to average assets | 0.6055% | 3,406 |
| Noninterest expense to average assets | 2.1816% | 6,654 |
| Loan and lease loss provision to assets | 0.2481% | 4,606 |
| Net operating income to assets | 1.7175% | 601 |
| Return on assets (ROA) | 1.9180% | 430 |
| Pretax return on assets | 1.9180% | 742 |
| Return on Equity (ROE) | 19.1245% | 384 |
| Retained earnings to average equity (ytd only) | 11.4337% | 537 |
| Net charge-offs to loans | 0.5262% | 3,191 |
| Credit loss provision to net charge-offs | 99.4845% | 4,385 |
| Earnings coverage of net charge-offs (x) | 7.8815% | 2,249 |
| Efficiency ratio | 52.6038% | 6,927 |
| Assets per employee ($millions) | 3.8124% | 4,235 |
| Cash dividends to net income (ytd only)* | 40.2145% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 6,438 |
| Loan loss allowance to noncurrent loans | 86.6102% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 6,046 |
| Noncurrent loans to loans | 1.1440% | 4,948 |
| Net loans and leases to total assets | 47.8360% | 6,535 |
| Net loans and leases to deposits | 66.5073% | 5,606 |
| Net loans and leases to core deposits | 76.6735% | 4,966 |
| Total domestic deposits to total assets | 71.9259% | 7,140 |
| Equity capital to assets | 10.4547% | 3,567 |
| Core capital (leverage) ratio | 8.9974% | 4,697 |
| Tier 1 risk-based capital ratio | 15.7490% | 2,883 |
| Total risk-based capital ratio | 16.6191% | 3,027 |
| Memoranda: | ||
| Average total assets | $103,714,500 | 4,941 |
| Average earning assets | $97,430,250 | 4,852 |
| Average equity | $10,401,750 | 5,086 |
| Average total loans | $49,158,000 | 5,599 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 4,809 |
| Cost of funding earning assets | 1.3282% | 4,356 |
| Net interest margin | 3.7003% | 4,367 |
| Noninterest income to average assets | 0.6387% | 3,069 |
| Noninterest expense to average assets | 2.2784% | 6,411 |
| Loan and lease loss provision to assets | 0.2590% | 4,343 |
| Net operating income to assets | 1.5735% | 780 |
| Return on assets (ROA) | 1.7526% | 574 |
| Pretax return on assets | 1.7526% | 960 |
| Return on Equity (ROE) | 17.7357% | 491 |
| Retained earnings to average equity (ytd only) | 17.7357% | 135 |
| Net charge-offs to loans | 0.6204% | 2,674 |
| Credit loss provision to net charge-offs | 88.6667% | 4,456 |
| Earnings coverage of net charge-offs (x) | 6.2733% | 2,488 |
| Efficiency ratio | 55.4240% | 6,713 |
| Assets per employee ($millions) | 3.6878% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 6,394 |
| Loan loss allowance to noncurrent loans | 76.3889% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 5,920 |
| Noncurrent loans to loans | 1.3108% | 4,761 |
| Net loans and leases to total assets | 47.3968% | 6,670 |
| Net loans and leases to deposits | 65.7111% | 5,840 |
| Net loans and leases to core deposits | 76.1100% | 5,178 |
| Total domestic deposits to total assets | 72.1290% | 7,173 |
| Equity capital to assets | 10.1309% | 3,855 |
| Core capital (leverage) ratio | 9.0172% | 4,572 |
| Tier 1 risk-based capital ratio | 16.1658% | 2,602 |
| Total risk-based capital ratio | 17.0304% | 2,732 |
| Memoranda: | ||
| Average total assets | $102,704,000 | 5,001 |
| Average earning assets | $96,371,330 | 4,917 |
| Average equity | $10,149,000 | 5,159 |
| Average total loans | $48,352,670 | 5,673 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0377% | 4,847 |
| Cost of funding earning assets | 1.3334% | 4,605 |
| Net interest margin | 3.7043% | 4,218 |
| Noninterest income to average assets | 0.6248% | 3,120 |
| Noninterest expense to average assets | 2.0229% | 7,119 |
| Loan and lease loss provision to assets | 0.2343% | 4,166 |
| Net operating income to assets | 1.8394% | 457 |
| Return on assets (ROA) | 2.0151% | 368 |
| Pretax return on assets | 2.0151% | 586 |
| Return on Equity (ROE) | 20.6545% | 345 |
| Retained earnings to average equity (ytd only) | 20.6545% | 180 |
| Net charge-offs to loans | 1.2131% | 1,401 |
| Credit loss provision to net charge-offs | 41.3793% | 4,619 |
| Earnings coverage of net charge-offs (x) | 3.6621% | 2,832 |
| Efficiency ratio | 49.3804% | 7,352 |
| Assets per employee ($millions) | 3.6862% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 6,862 |
| Loan loss allowance to noncurrent loans | 60.7397% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 5,807 |
| Noncurrent loans to loans | 1.4686% | 4,540 |
| Net loans and leases to total assets | 45.9651% | 6,832 |
| Net loans and leases to deposits | 63.5807% | 6,098 |
| Net loans and leases to core deposits | 73.6003% | 5,535 |
| Total domestic deposits to total assets | 72.2942% | 7,235 |
| Equity capital to assets | 9.9600% | 3,917 |
| Core capital (leverage) ratio | 8.7968% | 4,861 |
| Tier 1 risk-based capital ratio | 15.8953% | 2,692 |
| Total risk-based capital ratio | 16.6604% | 2,862 |
| Memoranda: | ||
| Average total assets | $102,427,000 | 5,079 |
| Average earning assets | $95,995,500 | 4,988 |
| Average equity | $9,993,000 | 5,237 |
| Average total loans | $47,811,000 | 5,768 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5135% | 4,073 |
| Cost of funding earning assets | 1.5342% | 5,361 |
| Net interest margin | 3.9793% | 2,947 |
| Noninterest income to average assets | 0.5760% | 3,810 |
| Noninterest expense to average assets | 2.3400% | 6,633 |
| Loan and lease loss provision to assets | 0.3211% | 4,889 |
| Net operating income to assets | 1.6497% | 483 |
| Return on assets (ROA) | 1.7931% | 384 |
| Pretax return on assets | 1.7931% | 643 |
| Return on Equity (ROE) | 19.9580% | 246 |
| Retained earnings to average equity (ytd only) | 8.2311% | 642 |
| Net charge-offs to loans | 0.4861% | 3,829 |
| Credit loss provision to net charge-offs | 148.1481% | 3,165 |
| Earnings coverage of net charge-offs (x) | 9.0926% | 1,845 |
| Efficiency ratio | 54.2831% | 7,202 |
| Assets per employee ($millions) | 3.2787% | 5,542 |
| Cash dividends to net income (ytd only)* | 58.7577% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 6,027 |
| Loan loss allowance to noncurrent loans | 170.6667% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 6,692 |
| Noncurrent loans to loans | 0.6282% | 5,981 |
| Net loans and leases to total assets | 46.4783% | 6,936 |
| Net loans and leases to deposits | 65.2284% | 6,143 |
| Net loans and leases to core deposits | 95.3074% | 4,537 |
| Total domestic deposits to total assets | 71.2547% | 7,312 |
| Equity capital to assets | 9.5493% | 4,354 |
| Core capital (leverage) ratio | 8.3643% | 5,513 |
| Tier 1 risk-based capital ratio | 15.0255% | 2,923 |
| Total risk-based capital ratio | 15.9442% | 3,058 |
| Memoranda: | ||
| Average total assets | $99,657,200 | 5,094 |
| Average earning assets | $93,533,600 | 5,022 |
| Average equity | $8,953,800 | 5,621 |
| Average total loans | $44,436,800 | 5,909 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5425% | 4,200 |
| Cost of funding earning assets | 1.5731% | 5,522 |
| Net interest margin | 3.9694% | 2,944 |
| Noninterest income to average assets | 0.5419% | 4,141 |
| Noninterest expense to average assets | 2.2293% | 6,896 |
| Loan and lease loss provision to assets | 0.3496% | 4,224 |
| Net operating income to assets | 1.6848% | 578 |
| Return on assets (ROA) | 1.8380% | 431 |
| Pretax return on assets | 1.8380% | 747 |
| Return on Equity (ROE) | 20.7925% | 272 |
| Retained earnings to average equity (ytd only) | 13.1873% | 246 |
| Net charge-offs to loans | 0.0336% | 6,426 |
| Credit loss provision to net charge-offs | 2,363.6364% | 167 |
| Earnings coverage of net charge-offs (x) | 137.5106% | 278 |
| Efficiency ratio | 52.2863% | 7,388 |
| Assets per employee ($millions) | 3.5057% | 4,914 |
| Cash dividends to net income (ytd only)* | 36.5765% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 3,844 |
| Loan loss allowance to noncurrent loans | 123.4962% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 6,137 |
| Noncurrent loans to loans | 1.1488% | 5,024 |
| Net loans and leases to total assets | 44.9068% | 7,181 |
| Net loans and leases to deposits | 62.3297% | 6,641 |
| Net loans and leases to core deposits | 93.3448% | 5,091 |
| Total domestic deposits to total assets | 72.0471% | 7,204 |
| Equity capital to assets | 9.9514% | 4,152 |
| Core capital (leverage) ratio | 8.4928% | 5,510 |
| Tier 1 risk-based capital ratio | 15.7639% | 2,712 |
| Total risk-based capital ratio | 16.9818% | 2,658 |
| Memoranda: | ||
| Average total assets | $99,161,250 | 5,145 |
| Average earning assets | $92,976,500 | 5,073 |
| Average equity | $8,765,750 | 5,732 |
| Average total loans | $43,607,750 | 5,991 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5618% | 4,273 |
| Cost of funding earning assets | 1.6161% | 5,682 |
| Net interest margin | 3.9457% | 2,906 |
| Noninterest income to average assets | 0.5227% | 4,250 |
| Noninterest expense to average assets | 2.3534% | 6,616 |
| Loan and lease loss provision to assets | 0.2237% | 4,795 |
| Net operating income to assets | 1.6354% | 640 |
| Return on assets (ROA) | 1.7777% | 531 |
| Pretax return on assets | 1.7777% | 882 |
| Return on Equity (ROE) | 21.0214% | 282 |
| Retained earnings to average equity (ytd only) | 8.9954% | 941 |
| Net charge-offs to loans | 0.0702% | 5,526 |
| Credit loss provision to net charge-offs | 733.3333% | 646 |
| Earnings coverage of net charge-offs (x) | 60.9333% | 588 |
| Efficiency ratio | 55.8667% | 7,135 |
| Assets per employee ($millions) | 3.2978% | 5,326 |
| Cash dividends to net income (ytd only)* | 57.2082% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 5,294 |
| Loan loss allowance to noncurrent loans | 252.7638% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 6,946 |
| Noncurrent loans to loans | 0.4534% | 6,391 |
| Net loans and leases to total assets | 43.8535% | 7,341 |
| Net loans and leases to deposits | 59.4606% | 6,932 |
| Net loans and leases to core deposits | 87.4947% | 5,766 |
| Total domestic deposits to total assets | 73.7522% | 6,984 |
| Equity capital to assets | 8.4753% | 6,086 |
| Core capital (leverage) ratio | 8.0577% | 6,234 |
| Tier 1 risk-based capital ratio | 15.5990% | 2,769 |
| Total risk-based capital ratio | 16.5784% | 2,814 |
| Memoranda: | ||
| Average total assets | $98,327,000 | 5,207 |
| Average earning assets | $91,948,330 | 5,128 |
| Average equity | $8,315,330 | 5,912 |
| Average total loans | $42,706,670 | 6,081 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5747% | 4,501 |
| Cost of funding earning assets | 1.6527% | 5,801 |
| Net interest margin | 3.9220% | 2,968 |
| Noninterest income to average assets | 0.4203% | 5,048 |
| Noninterest expense to average assets | 2.0689% | 7,194 |
| Loan and lease loss provision to assets | 0.3265% | 3,365 |
| Net operating income to assets | 1.6853% | 663 |
| Return on assets (ROA) | 1.8893% | 491 |
| Pretax return on assets | 1.8893% | 817 |
| Return on Equity (ROE) | 22.3658% | 292 |
| Retained earnings to average equity (ytd only) | 22.3658% | 125 |
| Net charge-offs to loans | 0.1140% | 4,056 |
| Credit loss provision to net charge-offs | 666.6667% | 867 |
| Earnings coverage of net charge-offs (x) | 41.0833% | 826 |
| Efficiency ratio | 50.7000% | 7,537 |
| Assets per employee ($millions) | 3.2538% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 5,239 |
| Loan loss allowance to noncurrent loans | 245.3608% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 6,883 |
| Noncurrent loans to loans | 0.4617% | 6,259 |
| Net loans and leases to total assets | 41.1815% | 7,515 |
| Net loans and leases to deposits | 55.4689% | 7,187 |
| Net loans and leases to core deposits | 79.0316% | 6,457 |
| Total domestic deposits to total assets | 74.2426% | 6,844 |
| Equity capital to assets | 8.5815% | 5,942 |
| Core capital (leverage) ratio | 8.3016% | 5,901 |
| Tier 1 risk-based capital ratio | 15.9666% | 2,702 |
| Total risk-based capital ratio | 16.9049% | 2,733 |
| Memoranda: | ||
| Average total assets | $98,023,500 | 5,236 |
| Average earning assets | $91,485,000 | 5,166 |
| Average equity | $8,280,500 | 5,964 |
| Average total loans | $42,115,500 | 6,135 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2456% | 4,264 |
| Cost of funding earning assets | 2.2080% | 5,560 |
| Net interest margin | 4.0376% | 2,951 |
| Noninterest income to average assets | 0.6368% | 3,584 |
| Noninterest expense to average assets | 2.2962% | 6,714 |
| Loan and lease loss provision to assets | 0.2037% | 4,853 |
| Net operating income to assets | 1.8888% | 444 |
| Return on assets (ROA) | 1.9467% | 380 |
| Pretax return on assets | 1.9467% | 699 |
| Return on Equity (ROE) | 23.7286% | 185 |
| Retained earnings to average equity (ytd only) | 5.4356% | 1,793 |
| Net charge-offs to loans | 0.6091% | 2,014 |
| Credit loss provision to net charge-offs | 74.2188% | 6,008 |
| Earnings coverage of net charge-offs (x) | 7.6250% | 3,063 |
| Efficiency ratio | 52.3205% | 7,458 |
| Assets per employee ($millions) | 3.0703% | 5,863 |
| Cash dividends to net income (ytd only)* | 77.0925% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 6,289 |
| Loan loss allowance to noncurrent loans | 251.8519% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 6,797 |
| Noncurrent loans to loans | 0.3837% | 6,193 |
| Net loans and leases to total assets | 43.9257% | 7,472 |
| Net loans and leases to deposits | 60.2074% | 7,070 |
| Net loans and leases to core deposits | 86.4731% | 6,103 |
| Total domestic deposits to total assets | 72.9573% | 6,838 |
| Equity capital to assets | 8.3054% | 6,414 |
| Core capital (leverage) ratio | 7.9857% | 6,520 |
| Tier 1 risk-based capital ratio | 15.3973% | 2,878 |
| Total risk-based capital ratio | 16.2198% | 2,976 |
| Memoranda: | ||
| Average total assets | $93,284,800 | 5,249 |
| Average earning assets | $86,685,600 | 5,197 |
| Average equity | $7,653,200 | 6,229 |
| Average total loans | $42,028,600 | 6,072 |