Home > The Napoleon State Bank > Performance and Condition Ratios
The Napoleon State Bank, Performance and Condition Ratios
| 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 | 5.0082% | 1,552 |
| Cost of funding earning assets | 0.8115% | 3,172 |
| Net interest margin | 4.1967% | 937 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.5516% | 2,063 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.3130% | 1,536 |
| Return on assets (ROA) | 1.3130% | 1,521 |
| Pretax return on assets | 1.7204% | 1,171 |
| Return on Equity (ROE) | 13.3400% | 1,832 |
| Retained earnings to average equity (ytd only) | 11.9942% | 985 |
| Net charge-offs to loans | 0.1754% | 448 |
| Credit loss provision to net charge-offs | 117.8862% | 1,336 |
| Earnings coverage of net charge-offs (x) | 15.5447% | 1,851 |
| Efficiency ratio | 58.0241% | 3,189 |
| Assets per employee ($millions) | 5.4670% | 3,177 |
| Cash dividends to net income (ytd only)* | 10.0735% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 1,789 |
| Loan loss allowance to noncurrent loans | 434.3891% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 2,141 |
| Noncurrent loans to loans | 0.3070% | 2,042 |
| Net loans and leases to total assets | 67.4900% | 2,011 |
| Net loans and leases to deposits | 75.4209% | 2,370 |
| Net loans and leases to core deposits | 81.0332% | 2,406 |
| Total domestic deposits to total assets | 89.4800% | 1,085 |
| Equity capital to assets | 9.9395% | 1,892 |
| Core capital (leverage) ratio | 10.3698% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $414,326,667 | 1,968 |
| Average earning assets | $391,640,000 | 1,940 |
| Average equity | $40,786,333 | 1,850 |
| Average total loans | $280,575,667 | 1,864 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 1,874 |
| Cost of funding earning assets | 0.6737% | 3,143 |
| Net interest margin | 4.0175% | 1,231 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.4369% | 2,413 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.3255% | 1,603 |
| Return on assets (ROA) | 1.3255% | 1,572 |
| Pretax return on assets | 1.5970% | 1,467 |
| Return on Equity (ROE) | 13.5300% | 1,873 |
| Retained earnings to average equity (ytd only) | 13.5325% | 1,002 |
| Net charge-offs to loans | 0.2961% | 265 |
| Credit loss provision to net charge-offs | 102.9268% | 1,094 |
| Earnings coverage of net charge-offs (x) | 8.9415% | 1,705 |
| Efficiency ratio | 57.7358% | 3,220 |
| Assets per employee ($millions) | 5.2760% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 1,789 |
| Loan loss allowance to noncurrent loans | 566.6170% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 2,393 |
| Noncurrent loans to loans | 0.2393% | 2,306 |
| Net loans and leases to total assets | 65.5200% | 2,108 |
| Net loans and leases to deposits | 72.9782% | 2,386 |
| Net loans and leases to core deposits | 77.8136% | 2,401 |
| Total domestic deposits to total assets | 89.7800% | 1,240 |
| Equity capital to assets | 9.6766% | 2,018 |
| Core capital (leverage) ratio | 10.2899% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $411,011,000 | 1,999 |
| Average earning assets | $388,303,500 | 1,975 |
| Average equity | $40,258,500 | 1,889 |
| Average total loans | $276,898,000 | 1,895 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 1,671 |
| Cost of funding earning assets | 0.4562% | 1,677 |
| Net interest margin | 3.5601% | 1,759 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.4262% | 2,345 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0110% | 2,525 |
| Return on assets (ROA) | 1.0110% | 2,478 |
| Pretax return on assets | 1.3210% | 2,014 |
| Return on Equity (ROE) | 10.8000% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.2021% | 1,754 |
| Net charge-offs to loans | 0.0534% | 1,131 |
| Credit loss provision to net charge-offs | 145.9854% | 1,318 |
| Earnings coverage of net charge-offs (x) | 41.2701% | 1,484 |
| Efficiency ratio | 63.9206% | 2,509 |
| Assets per employee ($millions) | 4.9993% | 3,678 |
| Cash dividends to net income (ytd only)* | 24.0537% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 1,741 |
| Loan loss allowance to noncurrent loans | 553.1818% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 2,229 |
| Noncurrent loans to loans | 0.2414% | 2,314 |
| Net loans and leases to total assets | 67.4600% | 1,888 |
| Net loans and leases to deposits | 75.3085% | 2,148 |
| Net loans and leases to core deposits | 78.7803% | 2,220 |
| Total domestic deposits to total assets | 89.5800% | 1,524 |
| Equity capital to assets | 9.9199% | 1,746 |
| Core capital (leverage) ratio | 9.9761% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $412,862,800 | 1,977 |
| Average earning assets | $380,098,400 | 1,985 |
| Average equity | $38,648,600 | 1,968 |
| Average total loans | $256,438,200 | 1,905 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 1,770 |
| Cost of funding earning assets | 0.4543% | 959 |
| Net interest margin | 3.3449% | 2,158 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.2863% | 2,667 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9815% | 2,539 |
| Return on assets (ROA) | 0.9815% | 2,519 |
| Pretax return on assets | 1.2817% | 2,099 |
| Return on Equity (ROE) | 10.6400% | 2,527 |
| Retained earnings to average equity (ytd only) | 10.0018% | 1,339 |
| Net charge-offs to loans | 0.0576% | 900 |
| Credit loss provision to net charge-offs | 100.9174% | 1,315 |
| Earnings coverage of net charge-offs (x) | 37.7064% | 1,414 |
| Efficiency ratio | 63.4504% | 2,628 |
| Assets per employee ($millions) | 5.3089% | 3,406 |
| Cash dividends to net income (ytd only)* | 5.9745% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 1,760 |
| Loan loss allowance to noncurrent loans | 385.1931% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 1,979 |
| Noncurrent loans to loans | 0.3533% | 1,969 |
| Net loans and leases to total assets | 62.8400% | 2,210 |
| Net loans and leases to deposits | 69.7868% | 2,382 |
| Net loans and leases to core deposits | 72.9213% | 2,425 |
| Total domestic deposits to total assets | 90.0400% | 1,638 |
| Equity capital to assets | 9.5334% | 1,860 |
| Core capital (leverage) ratio | 9.7693% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $416,092,500 | 1,977 |
| Average earning assets | $380,949,000 | 1,997 |
| Average equity | $38,392,250 | 2,008 |
| Average total loans | $252,186,250 | 1,929 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 1,751 |
| Cost of funding earning assets | 0.4837% | 574 |
| Net interest margin | 3.1447% | 2,385 |
| Noninterest income to average assets | 0.5322% | 2,033 |
| Noninterest expense to average assets | 2.2502% | 2,704 |
| Loan and lease loss provision to assets | 0.0144% | 2,335 |
| Net operating income to assets | 0.8652% | 2,712 |
| Return on assets (ROA) | 0.8652% | 2,687 |
| Pretax return on assets | 1.1287% | 2,311 |
| Return on Equity (ROE) | 9.4818% | 2,530 |
| Retained earnings to average equity (ytd only) | 8.5194% | 1,429 |
| Net charge-offs to loans | 0.0121% | 1,548 |
| Credit loss provision to net charge-offs | 200.0000% | 963 |
| Earnings coverage of net charge-offs (x) | 158.8000% | 615 |
| Efficiency ratio | 66.3131% | 2,468 |
| Assets per employee ($millions) | 5.3198% | 3,410 |
| Cash dividends to net income (ytd only)* | 10.1498% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,715 |
| Loan loss allowance to noncurrent loans | 499.1690% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 2,342 |
| Noncurrent loans to loans | 0.2825% | 2,331 |
| Net loans and leases to total assets | 60.7186% | 2,246 |
| Net loans and leases to deposits | 67.2041% | 2,451 |
| Net loans and leases to core deposits | 70.4477% | 2,458 |
| Total domestic deposits to total assets | 90.3496% | 1,548 |
| Equity capital to assets | 9.2879% | 2,170 |
| Core capital (leverage) ratio | 8.9624% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $416,759,667 | 1,988 |
| Average earning assets | $379,172,333 | 2,026 |
| Average equity | $38,030,667 | 2,078 |
| Average total loans | $248,317,333 | 1,948 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5269% | 1,715 |
| Cost of funding earning assets | 0.5081% | 475 |
| Net interest margin | 3.0188% | 2,443 |
| Noninterest income to average assets | 0.5382% | 1,955 |
| Noninterest expense to average assets | 2.1951% | 2,850 |
| Loan and lease loss provision to assets | 0.0287% | 1,850 |
| Net operating income to assets | 0.7805% | 2,722 |
| Return on assets (ROA) | 0.7805% | 2,718 |
| Pretax return on assets | 1.0343% | 2,341 |
| Return on Equity (ROE) | 8.6298% | 2,468 |
| Retained earnings to average equity (ytd only) | 8.6298% | 1,389 |
| Net charge-offs to loans | 0.0213% | 1,116 |
| Credit loss provision to net charge-offs | 230.7692% | 741 |
| Earnings coverage of net charge-offs (x) | 85.3846% | 723 |
| Efficiency ratio | 67.3721% | 2,582 |
| Assets per employee ($millions) | 5.3998% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,622 |
| Loan loss allowance to noncurrent loans | 478.2493% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 2,430 |
| Noncurrent loans to loans | 0.3096% | 2,348 |
| Net loans and leases to total assets | 56.2463% | 2,508 |
| Net loans and leases to deposits | 62.0255% | 2,716 |
| Net loans and leases to core deposits | 64.8172% | 2,733 |
| Total domestic deposits to total assets | 90.6825% | 1,193 |
| Equity capital to assets | 8.9124% | 2,793 |
| Core capital (leverage) ratio | 9.2080% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $417,666,000 | 1,987 |
| Average earning assets | $376,304,500 | 2,043 |
| Average equity | $37,776,000 | 2,139 |
| Average total loans | $244,699,000 | 1,961 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 1,032 |
| Cost of funding earning assets | 0.6528% | 415 |
| Net interest margin | 3.5235% | 1,671 |
| Noninterest income to average assets | 0.8774% | 1,264 |
| Noninterest expense to average assets | 2.3653% | 2,602 |
| Loan and lease loss provision to assets | 0.0530% | 1,998 |
| Net operating income to assets | 1.1566% | 2,079 |
| Return on assets (ROA) | 1.1566% | 2,134 |
| Pretax return on assets | 1.5473% | 1,578 |
| Return on Equity (ROE) | 12.3221% | 1,705 |
| Retained earnings to average equity (ytd only) | 9.5570% | 1,030 |
| Net charge-offs to loans | 0.0274% | 1,690 |
| Credit loss provision to net charge-offs | 315.3846% | 1,037 |
| Earnings coverage of net charge-offs (x) | 95.2308% | 902 |
| Efficiency ratio | 59.6453% | 3,207 |
| Assets per employee ($millions) | 4.9247% | 3,804 |
| Cash dividends to net income (ytd only)* | 22.4408% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,696 |
| Loan loss allowance to noncurrent loans | 325.3853% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 2,020 |
| Noncurrent loans to loans | 0.4486% | 2,012 |
| Net loans and leases to total assets | 59.2701% | 2,232 |
| Net loans and leases to deposits | 66.0379% | 2,511 |
| Net loans and leases to core deposits | 68.4582% | 2,608 |
| Total domestic deposits to total assets | 89.7516% | 1,081 |
| Equity capital to assets | 9.2082% | 3,411 |
| Core capital (leverage) ratio | 9.1649% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,807,600 | 2,032 |
| Average earning assets | $339,014,200 | 2,138 |
| Average equity | $36,308,600 | 2,232 |
| Average total loans | $237,547,600 | 2,001 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2917% | 965 |
| Cost of funding earning assets | 0.6786% | 431 |
| Net interest margin | 3.6132% | 1,568 |
| Noninterest income to average assets | 0.9336% | 1,186 |
| Noninterest expense to average assets | 2.2923% | 2,774 |
| Loan and lease loss provision to assets | 0.0524% | 1,940 |
| Net operating income to assets | 1.3021% | 1,825 |
| Return on assets (ROA) | 1.3021% | 1,880 |
| Pretax return on assets | 1.7444% | 1,292 |
| Return on Equity (ROE) | 13.8014% | 1,448 |
| Retained earnings to average equity (ytd only) | 13.1231% | 617 |
| Net charge-offs to loans | 0.0096% | 1,960 |
| Credit loss provision to net charge-offs | 882.3529% | 550 |
| Earnings coverage of net charge-offs (x) | 302.2941% | 433 |
| Efficiency ratio | 56.0581% | 3,519 |
| Assets per employee ($millions) | 4.8931% | 3,800 |
| Cash dividends to net income (ytd only)* | 4.9141% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,672 |
| Loan loss allowance to noncurrent loans | 390.5125% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 2,507 |
| Noncurrent loans to loans | 0.3817% | 2,415 |
| Net loans and leases to total assets | 58.9855% | 2,372 |
| Net loans and leases to deposits | 65.9797% | 2,630 |
| Net loans and leases to core deposits | 68.5835% | 2,727 |
| Total domestic deposits to total assets | 89.3994% | 1,074 |
| Equity capital to assets | 9.4128% | 3,457 |
| Core capital (leverage) ratio | 9.4307% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,323,000 | 2,073 |
| Average earning assets | $333,034,250 | 2,192 |
| Average equity | $35,976,250 | 2,276 |
| Average total loans | $235,471,250 | 2,059 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 1,161 |
| Cost of funding earning assets | 0.7135% | 432 |
| Net interest margin | 3.5011% | 1,854 |
| Noninterest income to average assets | 1.0430% | 1,007 |
| Noninterest expense to average assets | 2.2461% | 2,933 |
| Loan and lease loss provision to assets | 0.0534% | 1,968 |
| Net operating income to assets | 1.3376% | 1,754 |
| Return on assets (ROA) | 1.3376% | 1,828 |
| Pretax return on assets | 1.7951% | 1,250 |
| Return on Equity (ROE) | 14.1665% | 1,365 |
| Retained earnings to average equity (ytd only) | 13.1320% | 694 |
| Net charge-offs to loans | 0.0034% | 2,049 |
| Credit loss provision to net charge-offs | 2,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 865.7500% | 156 |
| Efficiency ratio | 54.8560% | 3,695 |
| Assets per employee ($millions) | 4.9403% | 3,707 |
| Cash dividends to net income (ytd only)* | 7.3025% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,651 |
| Loan loss allowance to noncurrent loans | 404.2189% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 2,678 |
| Noncurrent loans to loans | 0.3668% | 2,590 |
| Net loans and leases to total assets | 60.3554% | 2,385 |
| Net loans and leases to deposits | 67.4191% | 2,683 |
| Net loans and leases to core deposits | 70.2684% | 2,756 |
| Total domestic deposits to total assets | 89.5227% | 1,018 |
| Equity capital to assets | 9.3658% | 3,456 |
| Core capital (leverage) ratio | 9.1688% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,687,000 | 2,097 |
| Average earning assets | $326,581,667 | 2,212 |
| Average equity | $35,379,333 | 2,294 |
| Average total loans | $233,878,667 | 2,069 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 1,763 |
| Cost of funding earning assets | 0.7050% | 536 |
| Net interest margin | 3.2221% | 2,629 |
| Noninterest income to average assets | 1.1666% | 894 |
| Noninterest expense to average assets | 2.2524% | 2,933 |
| Loan and lease loss provision to assets | 0.1090% | 1,271 |
| Net operating income to assets | 1.2014% | 2,140 |
| Return on assets (ROA) | 1.2014% | 2,218 |
| Pretax return on assets | 1.6103% | 1,697 |
| Return on Equity (ROE) | 12.6694% | 1,761 |
| Retained earnings to average equity (ytd only) | 12.6694% | 982 |
| Net charge-offs to loans | 0.0363% | 1,112 |
| Credit loss provision to net charge-offs | 476.1905% | 603 |
| Earnings coverage of net charge-offs (x) | 75.0952% | 729 |
| Efficiency ratio | 56.7115% | 3,464 |
| Assets per employee ($millions) | 4.7929% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 1,557 |
| Loan loss allowance to noncurrent loans | 302.0548% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 2,338 |
| Noncurrent loans to loans | 0.5011% | 2,353 |
| Net loans and leases to total assets | 59.8647% | 2,557 |
| Net loans and leases to deposits | 67.4391% | 2,760 |
| Net loans and leases to core deposits | 70.5061% | 2,828 |
| Total domestic deposits to total assets | 88.7686% | 1,459 |
| Equity capital to assets | 9.2144% | 3,483 |
| Core capital (leverage) ratio | 9.7069% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,890,500 | 2,114 |
| Average earning assets | $319,419,000 | 2,224 |
| Average equity | $34,792,500 | 2,312 |
| Average total loans | $231,268,000 | 2,090 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 923 |
| Cost of funding earning assets | 0.8409% | 1,053 |
| Net interest margin | 3.8436% | 1,379 |
| Noninterest income to average assets | 1.2347% | 737 |
| Noninterest expense to average assets | 2.5995% | 2,548 |
| Loan and lease loss provision to assets | 0.2125% | 1,848 |
| Net operating income to assets | 1.3938% | 1,032 |
| Return on assets (ROA) | 1.3938% | 1,125 |
| Pretax return on assets | 1.8709% | 585 |
| Return on Equity (ROE) | 13.2565% | 979 |
| Retained earnings to average equity (ytd only) | 10.4606% | 503 |
| Net charge-offs to loans | 0.0458% | 2,151 |
| Credit loss provision to net charge-offs | 622.6415% | 1,078 |
| Earnings coverage of net charge-offs (x) | 61.0472% | 1,059 |
| Efficiency ratio | 55.5105% | 4,046 |
| Assets per employee ($millions) | 4.4916% | 3,920 |
| Cash dividends to net income (ytd only)* | 21.0903% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 1,577 |
| Loan loss allowance to noncurrent loans | 330.9981% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 2,487 |
| Noncurrent loans to loans | 0.4541% | 2,609 |
| Net loans and leases to total assets | 64.5124% | 2,295 |
| Net loans and leases to deposits | 73.1905% | 2,572 |
| Net loans and leases to core deposits | 76.6280% | 2,666 |
| Total domestic deposits to total assets | 88.1432% | 1,410 |
| Equity capital to assets | 9.7771% | 3,339 |
| Core capital (leverage) ratio | 10.0575% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,596,000 | 2,238 |
| Average earning assets | $278,644,000 | 2,300 |
| Average equity | $32,655,800 | 2,350 |
| Average total loans | $231,283,600 | 2,027 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 964 |
| Cost of funding earning assets | 0.8610% | 1,209 |
| Net interest margin | 3.8909% | 1,372 |
| Noninterest income to average assets | 1.1783% | 766 |
| Noninterest expense to average assets | 2.5441% | 2,707 |
| Loan and lease loss provision to assets | 0.2129% | 1,894 |
| Net operating income to assets | 1.4523% | 993 |
| Return on assets (ROA) | 1.4523% | 1,082 |
| Pretax return on assets | 1.9463% | 574 |
| Return on Equity (ROE) | 13.5371% | 966 |
| Retained earnings to average equity (ytd only) | 13.0080% | 330 |
| Net charge-offs to loans | 0.0121% | 2,678 |
| Credit loss provision to net charge-offs | 2,285.7143% | 426 |
| Earnings coverage of net charge-offs (x) | 231.8571% | 443 |
| Efficiency ratio | 54.0920% | 4,137 |
| Assets per employee ($millions) | 4.1794% | 4,161 |
| Cash dividends to net income (ytd only)* | 3.9084% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 1,703 |
| Loan loss allowance to noncurrent loans | 471.7300% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 2,888 |
| Noncurrent loans to loans | 0.2986% | 3,207 |
| Net loans and leases to total assets | 72.9397% | 1,514 |
| Net loans and leases to deposits | 83.8392% | 1,929 |
| Net loans and leases to core deposits | 88.1058% | 2,133 |
| Total domestic deposits to total assets | 86.9995% | 1,672 |
| Equity capital to assets | 10.5602% | 2,738 |
| Core capital (leverage) ratio | 10.6941% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,658,000 | 2,278 |
| Average earning assets | $272,392,250 | 2,313 |
| Average equity | $32,256,250 | 2,359 |
| Average total loans | $231,737,750 | 2,026 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8198% | 1,118 |
| Cost of funding earning assets | 0.8776% | 1,470 |
| Net interest margin | 3.9423% | 1,460 |
| Noninterest income to average assets | 0.9979% | 990 |
| Noninterest expense to average assets | 2.6546% | 2,506 |
| Loan and lease loss provision to assets | 0.2248% | 1,861 |
| Net operating income to assets | 1.2820% | 1,409 |
| Return on assets (ROA) | 1.2820% | 1,523 |
| Pretax return on assets | 1.7173% | 967 |
| Return on Equity (ROE) | 11.8812% | 1,361 |
| Retained earnings to average equity (ytd only) | 11.0731% | 590 |
| Net charge-offs to loans | 0.0165% | 2,399 |
| Credit loss provision to net charge-offs | 1,736.8421% | 544 |
| Earnings coverage of net charge-offs (x) | 150.0526% | 533 |
| Efficiency ratio | 57.7504% | 3,726 |
| Assets per employee ($millions) | 4.2912% | 4,009 |
| Cash dividends to net income (ytd only)* | 6.8013% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 1,734 |
| Loan loss allowance to noncurrent loans | 508.8889% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 3,307 |
| Noncurrent loans to loans | 0.2666% | 3,424 |
| Net loans and leases to total assets | 74.4009% | 1,359 |
| Net loans and leases to deposits | 85.4236% | 1,831 |
| Net loans and leases to core deposits | 89.0504% | 2,156 |
| Total domestic deposits to total assets | 87.0964% | 1,575 |
| Equity capital to assets | 10.4060% | 2,832 |
| Core capital (leverage) ratio | 10.6168% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,607,000 | 2,288 |
| Average earning assets | $268,018,667 | 2,312 |
| Average equity | $31,680,333 | 2,378 |
| Average total loans | $229,623,000 | 2,017 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 1,061 |
| Cost of funding earning assets | 0.8984% | 1,877 |
| Net interest margin | 4.0528% | 1,243 |
| Noninterest income to average assets | 0.6625% | 1,794 |
| Noninterest expense to average assets | 2.7514% | 2,575 |
| Loan and lease loss provision to assets | 0.2114% | 1,448 |
| Net operating income to assets | 1.0698% | 1,936 |
| Return on assets (ROA) | 1.0698% | 2,039 |
| Pretax return on assets | 1.4321% | 1,476 |
| Return on Equity (ROE) | 9.7241% | 1,832 |
| Retained earnings to average equity (ytd only) | 9.7241% | 799 |
| Net charge-offs to loans | 0.0247% | 1,870 |
| Credit loss provision to net charge-offs | 1,071.4286% | 543 |
| Earnings coverage of net charge-offs (x) | 83.2857% | 655 |
| Efficiency ratio | 62.6042% | 3,426 |
| Assets per employee ($millions) | 3.9633% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 1,974 |
| Loan loss allowance to noncurrent loans | 254.2785% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 2,609 |
| Noncurrent loans to loans | 0.5256% | 2,685 |
| Net loans and leases to total assets | 77.3325% | 1,078 |
| Net loans and leases to deposits | 89.4373% | 1,577 |
| Net loans and leases to core deposits | 93.4586% | 2,019 |
| Total domestic deposits to total assets | 86.4656% | 1,799 |
| Equity capital to assets | 10.9259% | 2,919 |
| Core capital (leverage) ratio | 11.2128% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,780,000 | 2,299 |
| Average earning assets | $261,351,000 | 2,312 |
| Average equity | $31,221,500 | 2,389 |
| Average total loans | $226,297,000 | 2,012 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0827% | 1,252 |
| Cost of funding earning assets | 0.8261% | 2,548 |
| Net interest margin | 4.2566% | 1,190 |
| Noninterest income to average assets | 0.6626% | 1,951 |
| Noninterest expense to average assets | 2.8829% | 2,342 |
| Loan and lease loss provision to assets | 0.2498% | 734 |
| Net operating income to assets | 1.0975% | 2,455 |
| Return on assets (ROA) | 1.0975% | 2,553 |
| Pretax return on assets | 1.4687% | 1,904 |
| Return on Equity (ROE) | 9.7391% | 2,421 |
| Retained earnings to average equity (ytd only) | 7.5931% | 1,124 |
| Net charge-offs to loans | 0.3519% | 569 |
| Credit loss provision to net charge-offs | 85.2713% | 2,727 |
| Earnings coverage of net charge-offs (x) | 5.8669% | 3,036 |
| Efficiency ratio | 62.6532% | 3,270 |
| Assets per employee ($millions) | 3.8115% | 4,142 |
| Cash dividends to net income (ytd only)* | 22.0345% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 2,020 |
| Loan loss allowance to noncurrent loans | 231.2300% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 2,395 |
| Noncurrent loans to loans | 0.5544% | 2,514 |
| Net loans and leases to total assets | 80.1213% | 766 |
| Net loans and leases to deposits | 92.8174% | 1,273 |
| Net loans and leases to core deposits | 96.4981% | 1,861 |
| Total domestic deposits to total assets | 86.3214% | 1,926 |
| Equity capital to assets | 11.0812% | 2,918 |
| Core capital (leverage) ratio | 11.0136% | 2,487 |
| Tier 1 risk-based capital ratio | 13.8795% | 3,325 |
| Total risk-based capital ratio | 15.1303% | 3,233 |
| Memoranda: | ||
| Average total assets | $264,247,400 | 2,366 |
| Average earning assets | $244,514,600 | 2,374 |
| Average equity | $29,777,000 | 2,407 |
| Average total loans | $219,925,600 | 2,029 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0943% | 1,293 |
| Cost of funding earning assets | 0.7894% | 2,766 |
| Net interest margin | 4.3050% | 1,158 |
| Noninterest income to average assets | 0.5962% | 2,219 |
| Noninterest expense to average assets | 2.8711% | 2,340 |
| Loan and lease loss provision to assets | 0.2608% | 608 |
| Net operating income to assets | 1.0815% | 2,648 |
| Return on assets (ROA) | 1.0815% | 2,740 |
| Pretax return on assets | 1.4466% | 2,133 |
| Return on Equity (ROE) | 9.5548% | 2,644 |
| Retained earnings to average equity (ytd only) | 8.9765% | 1,054 |
| Net charge-offs to loans | 0.2521% | 698 |
| Credit loss provision to net charge-offs | 123.4867% | 1,908 |
| Earnings coverage of net charge-offs (x) | 8.0848% | 2,689 |
| Efficiency ratio | 62.7094% | 3,215 |
| Assets per employee ($millions) | 3.7919% | 4,174 |
| Cash dividends to net income (ytd only)* | 6.0519% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 1,590 |
| Loan loss allowance to noncurrent loans | 309.9800% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 2,816 |
| Noncurrent loans to loans | 0.4506% | 2,956 |
| Net loans and leases to total assets | 80.3082% | 809 |
| Net loans and leases to deposits | 93.2663% | 1,294 |
| Net loans and leases to core deposits | 97.3614% | 1,866 |
| Total domestic deposits to total assets | 86.1064% | 1,945 |
| Equity capital to assets | 11.1923% | 2,939 |
| Core capital (leverage) ratio | 11.3667% | 2,328 |
| Tier 1 risk-based capital ratio | 13.9376% | 3,358 |
| Total risk-based capital ratio | 15.1899% | 3,273 |
| Memoranda: | ||
| Average total assets | $260,749,750 | 2,411 |
| Average earning assets | $241,203,000 | 2,417 |
| Average equity | $29,513,250 | 2,434 |
| Average total loans | $218,451,250 | 2,052 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0849% | 1,255 |
| Cost of funding earning assets | 0.7450% | 2,918 |
| Net interest margin | 4.3399% | 1,067 |
| Noninterest income to average assets | 0.4816% | 2,773 |
| Noninterest expense to average assets | 2.8512% | 2,411 |
| Loan and lease loss provision to assets | 0.2727% | 549 |
| Net operating income to assets | 1.0255% | 2,823 |
| Return on assets (ROA) | 1.0255% | 2,906 |
| Pretax return on assets | 1.3707% | 2,303 |
| Return on Equity (ROE) | 9.0244% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.1467% | 1,336 |
| Net charge-offs to loans | 0.2597% | 643 |
| Credit loss provision to net charge-offs | 124.1135% | 1,705 |
| Earnings coverage of net charge-offs (x) | 7.4787% | 2,487 |
| Efficiency ratio | 63.4362% | 3,222 |
| Assets per employee ($millions) | 3.6409% | 4,322 |
| Cash dividends to net income (ytd only)* | 9.7264% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,705 |
| Loan loss allowance to noncurrent loans | 254.7185% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 2,151 |
| Noncurrent loans to loans | 0.5407% | 2,652 |
| Net loans and leases to total assets | 82.8992% | 488 |
| Net loans and leases to deposits | 97.5218% | 883 |
| Net loans and leases to core deposits | 101.6995% | 1,583 |
| Total domestic deposits to total assets | 85.0058% | 2,477 |
| Equity capital to assets | 11.1945% | 2,865 |
| Core capital (leverage) ratio | 11.2273% | 2,395 |
| Tier 1 risk-based capital ratio | 13.9275% | 3,360 |
| Total risk-based capital ratio | 15.1797% | 3,265 |
| Memoranda: | ||
| Average total assets | $256,660,670 | 2,442 |
| Average earning assets | $237,330,330 | 2,446 |
| Average equity | $29,165,330 | 2,446 |
| Average total loans | $217,148,000 | 2,064 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 1,291 |
| Cost of funding earning assets | 0.7026% | 3,040 |
| Net interest margin | 4.3167% | 1,065 |
| Noninterest income to average assets | 0.4443% | 2,880 |
| Noninterest expense to average assets | 2.7275% | 2,819 |
| Loan and lease loss provision to assets | 0.2618% | 542 |
| Net operating income to assets | 1.0789% | 2,551 |
| Return on assets (ROA) | 1.0789% | 2,597 |
| Pretax return on assets | 1.4423% | 1,954 |
| Return on Equity (ROE) | 9.4211% | 2,619 |
| Retained earnings to average equity (ytd only) | 9.4211% | 1,184 |
| Net charge-offs to loans | 0.0785% | 1,293 |
| Credit loss provision to net charge-offs | 392.8571% | 705 |
| Earnings coverage of net charge-offs (x) | 25.5714% | 1,421 |
| Efficiency ratio | 61.5467% | 3,600 |
| Assets per employee ($millions) | 3.9660% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 1,447 |
| Loan loss allowance to noncurrent loans | 297.7186% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 2,436 |
| Noncurrent loans to loans | 0.4926% | 2,839 |
| Net loans and leases to total assets | 81.6197% | 632 |
| Net loans and leases to deposits | 96.2032% | 944 |
| Net loans and leases to core deposits | 100.4512% | 1,581 |
| Total domestic deposits to total assets | 84.8409% | 2,735 |
| Equity capital to assets | 11.3347% | 2,536 |
| Core capital (leverage) ratio | 11.6226% | 2,034 |
| Tier 1 risk-based capital ratio | 14.2986% | 3,193 |
| Total risk-based capital ratio | 15.5522% | 3,123 |
| Memoranda: | ||
| Average total assets | $252,099,500 | 2,492 |
| Average earning assets | $232,865,000 | 2,503 |
| Average equity | $28,871,500 | 2,469 |
| Average total loans | $214,017,500 | 2,103 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 1,096 |
| Cost of funding earning assets | 0.6011% | 2,711 |
| Net interest margin | 4.3787% | 988 |
| Noninterest income to average assets | 0.6139% | 2,223 |
| Noninterest expense to average assets | 2.4966% | 3,625 |
| Loan and lease loss provision to assets | 0.2533% | 673 |
| Net operating income to assets | 1.4360% | 1,318 |
| Return on assets (ROA) | 1.4360% | 1,309 |
| Pretax return on assets | 1.9241% | 671 |
| Return on Equity (ROE) | 12.5134% | 1,543 |
| Retained earnings to average equity (ytd only) | 10.2985% | 571 |
| Net charge-offs to loans | 0.1076% | 1,667 |
| Credit loss provision to net charge-offs | 276.4977% | 1,095 |
| Earnings coverage of net charge-offs (x) | 23.7650% | 1,837 |
| Efficiency ratio | 53.4146% | 4,668 |
| Assets per employee ($millions) | 3.8501% | 4,101 |
| Cash dividends to net income (ytd only)* | 17.7007% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 1,627 |
| Loan loss allowance to noncurrent loans | 322.5080% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 2,425 |
| Noncurrent loans to loans | 0.4350% | 2,980 |
| Net loans and leases to total assets | 85.8275% | 240 |
| Net loans and leases to deposits | 101.5783% | 621 |
| Net loans and leases to core deposits | 106.1443% | 1,261 |
| Total domestic deposits to total assets | 84.4939% | 2,838 |
| Equity capital to assets | 11.5756% | 2,196 |
| Core capital (leverage) ratio | 11.5922% | 2,029 |
| Tier 1 risk-based capital ratio | 14.0579% | 3,268 |
| Total risk-based capital ratio | 15.3109% | 3,197 |
| Memoranda: | ||
| Average total assets | $236,842,800 | 2,564 |
| Average earning assets | $219,610,000 | 2,567 |
| Average equity | $27,178,800 | 2,505 |
| Average total loans | $201,674,800 | 2,164 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9048% | 1,146 |
| Cost of funding earning assets | 0.5849% | 2,585 |
| Net interest margin | 4.3199% | 1,076 |
| Noninterest income to average assets | 0.5988% | 2,315 |
| Noninterest expense to average assets | 2.4567% | 3,709 |
| Loan and lease loss provision to assets | 0.2559% | 610 |
| Net operating income to assets | 1.4138% | 1,441 |
| Return on assets (ROA) | 1.4138% | 1,439 |
| Pretax return on assets | 1.8932% | 829 |
| Return on Equity (ROE) | 12.3481% | 1,660 |
| Retained earnings to average equity (ytd only) | 11.7124% | 520 |
| Net charge-offs to loans | 0.0759% | 1,766 |
| Credit loss provision to net charge-offs | 398.2301% | 831 |
| Earnings coverage of net charge-offs (x) | 33.4431% | 1,513 |
| Efficiency ratio | 53.3399% | 4,673 |
| Assets per employee ($millions) | 4.0357% | 3,823 |
| Cash dividends to net income (ytd only)* | 5.1488% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 1,629 |
| Loan loss allowance to noncurrent loans | 373.1738% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 2,744 |
| Noncurrent loans to loans | 0.3805% | 3,288 |
| Net loans and leases to total assets | 83.5606% | 505 |
| Net loans and leases to deposits | 98.7092% | 888 |
| Net loans and leases to core deposits | 101.6374% | 1,641 |
| Total domestic deposits to total assets | 84.6533% | 2,735 |
| Equity capital to assets | 11.3942% | 2,337 |
| Core capital (leverage) ratio | 11.7290% | 1,989 |
| Tier 1 risk-based capital ratio | 14.1724% | 3,285 |
| Total risk-based capital ratio | 15.4256% | 3,196 |
| Memoranda: | ||
| Average total assets | $234,451,750 | 2,590 |
| Average earning assets | $217,467,000 | 2,593 |
| Average equity | $26,842,750 | 2,530 |
| Average total loans | $198,470,000 | 2,196 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 1,149 |
| Cost of funding earning assets | 0.5715% | 2,421 |
| Net interest margin | 4.2682% | 1,113 |
| Noninterest income to average assets | 0.5986% | 2,326 |
| Noninterest expense to average assets | 2.4369% | 3,807 |
| Loan and lease loss provision to assets | 0.2603% | 592 |
| Net operating income to assets | 1.3837% | 1,498 |
| Return on assets (ROA) | 1.3837% | 1,499 |
| Pretax return on assets | 1.8600% | 863 |
| Return on Equity (ROE) | 12.0649% | 1,700 |
| Retained earnings to average equity (ytd only) | 11.0967% | 650 |
| Net charge-offs to loans | 0.0574% | 1,784 |
| Credit loss provision to net charge-offs | 535.7143% | 674 |
| Earnings coverage of net charge-offs (x) | 43.6429% | 1,227 |
| Efficiency ratio | 53.4742% | 4,743 |
| Assets per employee ($millions) | 4.0212% | 3,859 |
| Cash dividends to net income (ytd only)* | 8.0251% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 1,672 |
| Loan loss allowance to noncurrent loans | 401.3986% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 2,868 |
| Noncurrent loans to loans | 0.3544% | 3,426 |
| Net loans and leases to total assets | 83.8346% | 472 |
| Net loans and leases to deposits | 99.1867% | 866 |
| Net loans and leases to core deposits | 102.1871% | 1,550 |
| Total domestic deposits to total assets | 84.5220% | 2,861 |
| Equity capital to assets | 11.4515% | 2,234 |
| Core capital (leverage) ratio | 11.6193% | 1,969 |
| Tier 1 risk-based capital ratio | 14.2138% | 3,255 |
| Total risk-based capital ratio | 15.4669% | 3,173 |
| Memoranda: | ||
| Average total assets | $230,543,330 | 2,633 |
| Average earning assets | $213,813,670 | 2,638 |
| Average equity | $26,440,330 | 2,564 |
| Average total loans | $195,070,000 | 2,226 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 1,019 |
| Cost of funding earning assets | 0.5556% | 2,352 |
| Net interest margin | 4.2701% | 1,009 |
| Noninterest income to average assets | 0.5564% | 2,490 |
| Noninterest expense to average assets | 2.5547% | 3,478 |
| Loan and lease loss provision to assets | 0.2641% | 536 |
| Net operating income to assets | 1.2747% | 1,730 |
| Return on assets (ROA) | 1.2747% | 1,735 |
| Pretax return on assets | 1.7026% | 1,110 |
| Return on Equity (ROE) | 11.1060% | 1,923 |
| Retained earnings to average equity (ytd only) | 11.1060% | 869 |
| Net charge-offs to loans | 0.0480% | 1,632 |
| Credit loss provision to net charge-offs | 652.1739% | 490 |
| Earnings coverage of net charge-offs (x) | 48.5652% | 962 |
| Efficiency ratio | 56.5031% | 4,518 |
| Assets per employee ($millions) | 4.3997% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 1,679 |
| Loan loss allowance to noncurrent loans | 363.6724% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 2,860 |
| Noncurrent loans to loans | 0.3973% | 3,362 |
| Net loans and leases to total assets | 80.5379% | 863 |
| Net loans and leases to deposits | 96.3388% | 999 |
| Net loans and leases to core deposits | 99.6598% | 1,714 |
| Total domestic deposits to total assets | 83.5986% | 3,467 |
| Equity capital to assets | 11.3336% | 2,269 |
| Core capital (leverage) ratio | 11.7618% | 1,809 |
| Tier 1 risk-based capital ratio | 14.5632% | 3,090 |
| Total risk-based capital ratio | 15.8166% | 2,995 |
| Memoranda: | ||
| Average total assets | $227,188,500 | 2,684 |
| Average earning assets | $210,954,500 | 2,683 |
| Average equity | $26,076,000 | 2,608 |
| Average total loans | $191,720,000 | 2,259 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8578% | 879 |
| Cost of funding earning assets | 0.5110% | 2,243 |
| Net interest margin | 4.3468% | 866 |
| Noninterest income to average assets | 0.6581% | 2,146 |
| Noninterest expense to average assets | 2.3674% | 4,161 |
| Loan and lease loss provision to assets | 0.2608% | 703 |
| Net operating income to assets | 1.2650% | 1,312 |
| Return on assets (ROA) | 1.2650% | 1,336 |
| Pretax return on assets | 2.0433% | 444 |
| Return on Equity (ROE) | 11.0122% | 1,481 |
| Retained earnings to average equity (ytd only) | 9.1592% | 482 |
| Net charge-offs to loans | 0.0721% | 2,418 |
| Credit loss provision to net charge-offs | 430.7692% | 718 |
| Earnings coverage of net charge-offs (x) | 38.0538% | 1,306 |
| Efficiency ratio | 50.6780% | 5,187 |
| Assets per employee ($millions) | 4.1735% | 3,701 |
| Cash dividends to net income (ytd only)* | 16.8262% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 1,924 |
| Loan loss allowance to noncurrent loans | 405.2469% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 3,172 |
| Noncurrent loans to loans | 0.3359% | 3,557 |
| Net loans and leases to total assets | 86.0151% | 251 |
| Net loans and leases to deposits | 101.8375% | 614 |
| Net loans and leases to core deposits | 105.3412% | 1,316 |
| Total domestic deposits to total assets | 84.4630% | 3,050 |
| Equity capital to assets | 11.6296% | 2,098 |
| Core capital (leverage) ratio | 11.8909% | 1,671 |
| Tier 1 risk-based capital ratio | 14.2163% | 3,242 |
| Total risk-based capital ratio | 15.4687% | 3,135 |
| Memoranda: | ||
| Average total assets | $214,706,000 | 2,768 |
| Average earning assets | $198,236,800 | 2,786 |
| Average equity | $24,663,600 | 2,696 |
| Average total loans | $180,212,600 | 2,327 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 880 |
| Cost of funding earning assets | 0.5129% | 2,162 |
| Net interest margin | 4.3127% | 893 |
| Noninterest income to average assets | 0.6626% | 2,154 |
| Noninterest expense to average assets | 2.3746% | 4,083 |
| Loan and lease loss provision to assets | 0.2315% | 784 |
| Net operating income to assets | 1.2721% | 1,429 |
| Return on assets (ROA) | 1.2721% | 1,454 |
| Pretax return on assets | 2.0286% | 519 |
| Return on Equity (ROE) | 11.1097% | 1,656 |
| Retained earnings to average equity (ytd only) | 10.4594% | 497 |
| Net charge-offs to loans | 0.0497% | 2,434 |
| Credit loss provision to net charge-offs | 560.6061% | 569 |
| Earnings coverage of net charge-offs (x) | 54.7259% | 1,052 |
| Efficiency ratio | 51.2353% | 5,164 |
| Assets per employee ($millions) | 4.0247% | 3,951 |
| Cash dividends to net income (ytd only)* | 5.8533% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 2,047 |
| Loan loss allowance to noncurrent loans | 281.8489% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 2,993 |
| Noncurrent loans to loans | 0.4847% | 3,232 |
| Net loans and leases to total assets | 84.6250% | 377 |
| Net loans and leases to deposits | 99.0654% | 813 |
| Net loans and leases to core deposits | 102.5747% | 1,502 |
| Total domestic deposits to total assets | 85.4234% | 2,550 |
| Equity capital to assets | 11.9044% | 2,030 |
| Core capital (leverage) ratio | 11.9617% | 1,711 |
| Tier 1 risk-based capital ratio | 14.7405% | 3,040 |
| Total risk-based capital ratio | 15.9930% | 2,973 |
| Memoranda: | ||
| Average total assets | $213,083,750 | 2,811 |
| Average earning assets | $196,250,500 | 2,831 |
| Average equity | $24,398,500 | 2,740 |
| Average total loans | $177,044,000 | 2,373 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 879 |
| Cost of funding earning assets | 0.5148% | 2,056 |
| Net interest margin | 4.2746% | 925 |
| Noninterest income to average assets | 0.6216% | 2,371 |
| Noninterest expense to average assets | 2.3285% | 4,268 |
| Loan and lease loss provision to assets | 0.2347% | 734 |
| Net operating income to assets | 1.2441% | 1,459 |
| Return on assets (ROA) | 1.2441% | 1,487 |
| Pretax return on assets | 1.9877% | 541 |
| Return on Equity (ROE) | 11.0109% | 1,646 |
| Retained earnings to average equity (ytd only) | 10.0303% | 578 |
| Net charge-offs to loans | 0.0571% | 2,115 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 47.3400% | 1,120 |
| Efficiency ratio | 51.1657% | 5,232 |
| Assets per employee ($millions) | 3.9351% | 4,077 |
| Cash dividends to net income (ytd only)* | 8.9057% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 2,179 |
| Loan loss allowance to noncurrent loans | 308.7629% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 3,137 |
| Noncurrent loans to loans | 0.4368% | 3,446 |
| Net loans and leases to total assets | 80.9689% | 815 |
| Net loans and leases to deposits | 95.6582% | 1,109 |
| Net loans and leases to core deposits | 99.3418% | 1,696 |
| Total domestic deposits to total assets | 84.6440% | 2,963 |
| Equity capital to assets | 11.4046% | 2,404 |
| Core capital (leverage) ratio | 11.5986% | 1,898 |
| Tier 1 risk-based capital ratio | 14.6571% | 3,081 |
| Total risk-based capital ratio | 15.9090% | 3,005 |
| Memoranda: | ||
| Average total assets | $213,009,000 | 2,823 |
| Average earning assets | $195,809,670 | 2,850 |
| Average equity | $24,067,000 | 2,777 |
| Average total loans | $175,054,670 | 2,394 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 754 |
| Cost of funding earning assets | 0.5131% | 1,980 |
| Net interest margin | 4.2820% | 826 |
| Noninterest income to average assets | 0.5490% | 2,671 |
| Noninterest expense to average assets | 2.4610% | 3,935 |
| Loan and lease loss provision to assets | 0.2461% | 618 |
| Net operating income to assets | 1.1131% | 1,814 |
| Return on assets (ROA) | 1.1131% | 1,858 |
| Pretax return on assets | 1.7757% | 846 |
| Return on Equity (ROE) | 9.8994% | 2,005 |
| Retained earnings to average equity (ytd only) | 9.8994% | 831 |
| Net charge-offs to loans | 0.1174% | 1,229 |
| Credit loss provision to net charge-offs | 254.9020% | 873 |
| Earnings coverage of net charge-offs (x) | 20.9412% | 1,470 |
| Efficiency ratio | 54.8986% | 5,050 |
| Assets per employee ($millions) | 3.9856% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 2,465 |
| Loan loss allowance to noncurrent loans | 292.4165% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 3,364 |
| Noncurrent loans to loans | 0.4496% | 3,483 |
| Net loans and leases to total assets | 79.3507% | 923 |
| Net loans and leases to deposits | 93.6772% | 1,144 |
| Net loans and leases to core deposits | 97.2950% | 1,723 |
| Total domestic deposits to total assets | 84.7066% | 3,212 |
| Equity capital to assets | 11.1768% | 2,448 |
| Core capital (leverage) ratio | 11.4828% | 1,962 |
| Tier 1 risk-based capital ratio | 14.6560% | 3,139 |
| Total risk-based capital ratio | 15.9078% | 3,062 |
| Memoranda: | ||
| Average total assets | $211,298,500 | 2,880 |
| Average earning assets | $194,116,000 | 2,885 |
| Average equity | $23,759,000 | 2,815 |
| Average total loans | $173,763,500 | 2,421 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9775% | 617 |
| Cost of funding earning assets | 0.5688% | 1,548 |
| Net interest margin | 4.4087% | 762 |
| Noninterest income to average assets | 0.7275% | 2,044 |
| Noninterest expense to average assets | 2.4546% | 4,149 |
| Loan and lease loss provision to assets | 0.2367% | 909 |
| Net operating income to assets | 1.2831% | 1,257 |
| Return on assets (ROA) | 1.2831% | 1,327 |
| Pretax return on assets | 2.0685% | 429 |
| Return on Equity (ROE) | 11.4737% | 1,414 |
| Retained earnings to average equity (ytd only) | 9.7671% | 454 |
| Net charge-offs to loans | 0.0915% | 2,395 |
| Credit loss provision to net charge-offs | 310.4575% | 958 |
| Earnings coverage of net charge-offs (x) | 30.2353% | 1,424 |
| Efficiency ratio | 51.5704% | 5,408 |
| Assets per employee ($millions) | 3.9127% | 4,126 |
| Cash dividends to net income (ytd only)* | 14.8738% | 3,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 2,764 |
| Loan loss allowance to noncurrent loans | 241.5842% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 3,111 |
| Noncurrent loans to loans | 0.5210% | 3,288 |
| Net loans and leases to total assets | 83.0745% | 473 |
| Net loans and leases to deposits | 98.2195% | 809 |
| Net loans and leases to core deposits | 102.3321% | 1,428 |
| Total domestic deposits to total assets | 84.5805% | 3,215 |
| Equity capital to assets | 11.3143% | 2,318 |
| Core capital (leverage) ratio | 11.4172% | 1,996 |
| Tier 1 risk-based capital ratio | 14.3157% | 3,272 |
| Total risk-based capital ratio | 15.5666% | 3,199 |
| Memoranda: | ||
| Average total assets | $200,680,800 | 2,946 |
| Average earning assets | $183,547,200 | 2,979 |
| Average equity | $22,442,600 | 2,948 |
| Average total loans | $167,254,200 | 2,442 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 637 |
| Cost of funding earning assets | 0.5798% | 1,487 |
| Net interest margin | 4.3862% | 795 |
| Noninterest income to average assets | 0.7403% | 2,007 |
| Noninterest expense to average assets | 2.5097% | 3,958 |
| Loan and lease loss provision to assets | 0.1976% | 1,077 |
| Net operating income to assets | 1.2669% | 1,392 |
| Return on assets (ROA) | 1.2669% | 1,488 |
| Pretax return on assets | 2.0421% | 520 |
| Return on Equity (ROE) | 11.3635% | 1,533 |
| Retained earnings to average equity (ytd only) | 10.7566% | 450 |
| Net charge-offs to loans | 0.0218% | 3,250 |
| Credit loss provision to net charge-offs | 1,092.5926% | 376 |
| Earnings coverage of net charge-offs (x) | 123.8117% | 561 |
| Efficiency ratio | 52.8424% | 5,322 |
| Assets per employee ($millions) | 3.8086% | 4,288 |
| Cash dividends to net income (ytd only)* | 5.3410% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,975 |
| Loan loss allowance to noncurrent loans | 398.8827% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 3,797 |
| Noncurrent loans to loans | 0.3127% | 4,134 |
| Net loans and leases to total assets | 84.0247% | 409 |
| Net loans and leases to deposits | 98.0110% | 854 |
| Net loans and leases to core deposits | 102.2332% | 1,469 |
| Total domestic deposits to total assets | 85.7299% | 2,492 |
| Equity capital to assets | 11.4488% | 2,552 |
| Core capital (leverage) ratio | 11.5117% | 2,024 |
| Tier 1 risk-based capital ratio | 14.3758% | 3,343 |
| Total risk-based capital ratio | 15.6270% | 3,274 |
| Memoranda: | ||
| Average total assets | $199,007,500 | 2,975 |
| Average earning assets | $181,899,000 | 3,012 |
| Average equity | $22,187,500 | 2,993 |
| Average total loans | $165,450,000 | 2,465 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 650 |
| Cost of funding earning assets | 0.5984% | 1,328 |
| Net interest margin | 4.3467% | 857 |
| Noninterest income to average assets | 0.7594% | 1,893 |
| Noninterest expense to average assets | 2.4690% | 4,122 |
| Loan and lease loss provision to assets | 0.1919% | 1,128 |
| Net operating income to assets | 1.2835% | 1,323 |
| Return on assets (ROA) | 1.2835% | 1,429 |
| Pretax return on assets | 2.0671% | 500 |
| Return on Equity (ROE) | 11.6179% | 1,444 |
| Retained earnings to average equity (ytd only) | 10.6947% | 480 |
| Net charge-offs to loans | 0.0331% | 2,790 |
| Credit loss provision to net charge-offs | 703.7037% | 500 |
| Earnings coverage of net charge-offs (x) | 82.8519% | 686 |
| Efficiency ratio | 52.2213% | 5,433 |
| Assets per employee ($millions) | 3.7610% | 4,338 |
| Cash dividends to net income (ytd only)* | 7.9465% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 3,306 |
| Loan loss allowance to noncurrent loans | 267.6741% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.5303% | 3,439 |
| Noncurrent loans to loans | 0.4520% | 3,750 |
| Net loans and leases to total assets | 83.4471% | 469 |
| Net loans and leases to deposits | 96.0275% | 1,076 |
| Net loans and leases to core deposits | 100.8189% | 1,572 |
| Total domestic deposits to total assets | 86.8992% | 1,961 |
| Equity capital to assets | 11.2863% | 2,755 |
| Core capital (leverage) ratio | 11.3252% | 2,121 |
| Tier 1 risk-based capital ratio | 14.2794% | 3,446 |
| Total risk-based capital ratio | 15.5298% | 3,370 |
| Memoranda: | ||
| Average total assets | $198,058,330 | 2,996 |
| Average earning assets | $180,825,670 | 3,035 |
| Average equity | $21,880,000 | 3,021 |
| Average total loans | $163,350,000 | 2,492 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 669 |
| Cost of funding earning assets | 0.6310% | 1,145 |
| Net interest margin | 4.2924% | 943 |
| Noninterest income to average assets | 0.6706% | 2,172 |
| Noninterest expense to average assets | 2.5671% | 3,860 |
| Loan and lease loss provision to assets | 0.1824% | 1,101 |
| Net operating income to assets | 1.1326% | 1,779 |
| Return on assets (ROA) | 1.1326% | 1,887 |
| Pretax return on assets | 1.8357% | 797 |
| Return on Equity (ROE) | 10.3655% | 1,834 |
| Retained earnings to average equity (ytd only) | 10.3655% | 772 |
| Net charge-offs to loans | 0.0547% | 1,974 |
| Credit loss provision to net charge-offs | 409.0909% | 702 |
| Earnings coverage of net charge-offs (x) | 45.2727% | 940 |
| Efficiency ratio | 55.9876% | 5,189 |
| Assets per employee ($millions) | 3.8268% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 3,464 |
| Loan loss allowance to noncurrent loans | 478.3251% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 4,245 |
| Noncurrent loans to loans | 0.2513% | 4,532 |
| Net loans and leases to total assets | 80.2084% | 785 |
| Net loans and leases to deposits | 92.2388% | 1,314 |
| Net loans and leases to core deposits | 96.8554% | 1,717 |
| Total domestic deposits to total assets | 86.9574% | 2,230 |
| Equity capital to assets | 10.9963% | 2,950 |
| Core capital (leverage) ratio | 11.1697% | 2,251 |
| Tier 1 risk-based capital ratio | 14.2447% | 3,538 |
| Total risk-based capital ratio | 15.4950% | 3,467 |
| Memoranda: | ||
| Average total assets | $197,422,000 | 3,016 |
| Average earning assets | $180,037,500 | 3,046 |
| Average equity | $21,571,500 | 3,059 |
| Average total loans | $160,838,500 | 2,514 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8396% | 863 |
| Cost of funding earning assets | 0.7178% | 748 |
| Net interest margin | 4.1218% | 1,355 |
| Noninterest income to average assets | 0.6633% | 2,388 |
| Noninterest expense to average assets | 2.4655% | 4,336 |
| Loan and lease loss provision to assets | 0.1942% | 1,129 |
| Net operating income to assets | 1.1063% | 1,897 |
| Return on assets (ROA) | 1.1063% | 1,960 |
| Pretax return on assets | 1.7742% | 845 |
| Return on Equity (ROE) | 10.6249% | 1,745 |
| Retained earnings to average equity (ytd only) | 9.0152% | 649 |
| Net charge-offs to loans | 0.1702% | 1,670 |
| Credit loss provision to net charge-offs | 143.3962% | 1,834 |
| Earnings coverage of net charge-offs (x) | 14.5358% | 2,283 |
| Efficiency ratio | 55.6068% | 5,386 |
| Assets per employee ($millions) | 3.5609% | 4,701 |
| Cash dividends to net income (ytd only)* | 15.1501% | 3,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 3,642 |
| Loan loss allowance to noncurrent loans | 232.5062% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 3,636 |
| Noncurrent loans to loans | 0.5034% | 3,675 |
| Net loans and leases to total assets | 80.8021% | 740 |
| Net loans and leases to deposits | 92.5959% | 1,335 |
| Net loans and leases to core deposits | 97.6159% | 1,703 |
| Total domestic deposits to total assets | 87.2632% | 2,007 |
| Equity capital to assets | 10.8558% | 2,979 |
| Core capital (leverage) ratio | 10.8639% | 2,539 |
| Tier 1 risk-based capital ratio | 14.0750% | 3,673 |
| Total risk-based capital ratio | 15.3124% | 3,600 |
| Memoranda: | ||
| Average total assets | $195,698,600 | 2,987 |
| Average earning assets | $179,023,000 | 3,009 |
| Average equity | $20,376,600 | 3,136 |
| Average total loans | $155,713,400 | 2,521 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 948 |
| Cost of funding earning assets | 0.7309% | 710 |
| Net interest margin | 4.0644% | 1,516 |
| Noninterest income to average assets | 0.6453% | 2,502 |
| Noninterest expense to average assets | 2.4770% | 4,265 |
| Loan and lease loss provision to assets | 0.1840% | 1,126 |
| Net operating income to assets | 1.0630% | 2,160 |
| Return on assets (ROA) | 1.0630% | 2,255 |
| Pretax return on assets | 1.7015% | 1,101 |
| Return on Equity (ROE) | 10.3195% | 1,964 |
| Retained earnings to average equity (ytd only) | 9.7175% | 687 |
| Net charge-offs to loans | 0.1535% | 1,608 |
| Credit loss provision to net charge-offs | 151.6854% | 1,659 |
| Earnings coverage of net charge-offs (x) | 15.5448% | 2,173 |
| Efficiency ratio | 56.7791% | 5,250 |
| Assets per employee ($millions) | 3.5728% | 4,667 |
| Cash dividends to net income (ytd only)* | 5.8333% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 3,847 |
| Loan loss allowance to noncurrent loans | 244.5178% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 3,904 |
| Noncurrent loans to loans | 0.4761% | 3,934 |
| Net loans and leases to total assets | 79.9702% | 824 |
| Net loans and leases to deposits | 91.5314% | 1,462 |
| Net loans and leases to core deposits | 96.6017% | 1,832 |
| Total domestic deposits to total assets | 87.3691% | 1,861 |
| Equity capital to assets | 10.6579% | 3,400 |
| Core capital (leverage) ratio | 10.6748% | 2,852 |
| Tier 1 risk-based capital ratio | 13.9018% | 3,904 |
| Total risk-based capital ratio | 15.1303% | 3,858 |
| Memoranda: | ||
| Average total assets | $195,660,750 | 3,014 |
| Average earning assets | $178,949,750 | 3,034 |
| Average equity | $20,155,500 | 3,187 |
| Average total loans | $154,610,500 | 2,550 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 1,026 |
| Cost of funding earning assets | 0.7358% | 692 |
| Net interest margin | 3.9867% | 1,677 |
| Noninterest income to average assets | 0.6807% | 2,295 |
| Noninterest expense to average assets | 2.4383% | 4,438 |
| Loan and lease loss provision to assets | 0.1843% | 1,101 |
| Net operating income to assets | 1.0697% | 2,057 |
| Return on assets (ROA) | 1.0697% | 2,160 |
| Pretax return on assets | 1.7074% | 1,073 |
| Return on Equity (ROE) | 10.5062% | 1,850 |
| Retained earnings to average equity (ytd only) | 9.5913% | 758 |
| Net charge-offs to loans | 0.1737% | 1,423 |
| Credit loss provision to net charge-offs | 135.3383% | 1,652 |
| Earnings coverage of net charge-offs (x) | 13.8947% | 2,097 |
| Efficiency ratio | 56.3121% | 5,399 |
| Assets per employee ($millions) | 3.5830% | 4,653 |
| Cash dividends to net income (ytd only)* | 8.7081% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 3,992 |
| Loan loss allowance to noncurrent loans | 243.7247% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 3,992 |
| Noncurrent loans to loans | 0.4786% | 4,037 |
| Net loans and leases to total assets | 77.6425% | 1,117 |
| Net loans and leases to deposits | 88.4843% | 1,772 |
| Net loans and leases to core deposits | 92.9219% | 2,072 |
| Total domestic deposits to total assets | 87.7473% | 1,769 |
| Equity capital to assets | 10.3519% | 3,614 |
| Core capital (leverage) ratio | 10.3833% | 3,103 |
| Tier 1 risk-based capital ratio | 13.8479% | 4,010 |
| Total risk-based capital ratio | 15.0719% | 3,953 |
| Memoranda: | ||
| Average total assets | $195,380,330 | 3,040 |
| Average earning assets | $178,844,670 | 3,057 |
| Average equity | $19,893,000 | 3,223 |
| Average total loans | $153,149,330 | 2,578 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6752% | 1,075 |
| Cost of funding earning assets | 0.7362% | 710 |
| Net interest margin | 3.9390% | 1,750 |
| Noninterest income to average assets | 0.6312% | 2,492 |
| Noninterest expense to average assets | 2.5723% | 4,024 |
| Loan and lease loss provision to assets | 0.1851% | 1,028 |
| Net operating income to assets | 0.9253% | 2,630 |
| Return on assets (ROA) | 0.9253% | 2,751 |
| Pretax return on assets | 1.4825% | 1,619 |
| Return on Equity (ROE) | 9.1652% | 2,372 |
| Retained earnings to average equity (ytd only) | 9.1652% | 1,143 |
| Net charge-offs to loans | 0.2127% | 1,093 |
| Credit loss provision to net charge-offs | 111.1111% | 1,503 |
| Earnings coverage of net charge-offs (x) | 10.0123% | 1,964 |
| Efficiency ratio | 60.6693% | 5,007 |
| Assets per employee ($millions) | 3.6494% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 4,136 |
| Loan loss allowance to noncurrent loans | 281.5287% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4308% | 4,313 |
| Noncurrent loans to loans | 0.4162% | 4,344 |
| Net loans and leases to total assets | 75.6654% | 1,256 |
| Net loans and leases to deposits | 86.1270% | 1,817 |
| Net loans and leases to core deposits | 90.8017% | 2,054 |
| Total domestic deposits to total assets | 87.8532% | 1,903 |
| Equity capital to assets | 10.0997% | 4,017 |
| Core capital (leverage) ratio | 10.0946% | 3,484 |
| Tier 1 risk-based capital ratio | 13.7880% | 4,156 |
| Total risk-based capital ratio | 15.0113% | 4,092 |
| Memoranda: | ||
| Average total assets | $194,537,500 | 3,064 |
| Average earning assets | $178,216,500 | 3,084 |
| Average equity | $19,639,500 | 3,269 |
| Average total loans | $152,317,500 | 2,594 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6919% | 1,330 |
| Cost of funding earning assets | 0.7881% | 691 |
| Net interest margin | 3.9039% | 2,226 |
| Noninterest income to average assets | 0.5704% | 3,051 |
| Noninterest expense to average assets | 2.4612% | 4,670 |
| Loan and lease loss provision to assets | 0.2048% | 1,228 |
| Net operating income to assets | 0.9201% | 2,779 |
| Return on assets (ROA) | 0.9201% | 2,871 |
| Pretax return on assets | 1.4705% | 1,656 |
| Return on Equity (ROE) | 9.6627% | 2,266 |
| Retained earnings to average equity (ytd only) | 8.0926% | 989 |
| Net charge-offs to loans | 0.2059% | 2,019 |
| Credit loss provision to net charge-offs | 130.2932% | 1,830 |
| Earnings coverage of net charge-offs (x) | 10.6580% | 2,594 |
| Efficiency ratio | 59.4999% | 5,285 |
| Assets per employee ($millions) | 3.5557% | 4,808 |
| Cash dividends to net income (ytd only)* | 16.2493% | 3,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 4,313 |
| Loan loss allowance to noncurrent loans | 185.3530% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 4,151 |
| Noncurrent loans to loans | 0.6172% | 3,833 |
| Net loans and leases to total assets | 79.1615% | 862 |
| Net loans and leases to deposits | 89.9375% | 1,523 |
| Net loans and leases to core deposits | 94.7429% | 1,843 |
| Total domestic deposits to total assets | 88.0183% | 1,761 |
| Equity capital to assets | 10.0911% | 3,997 |
| Core capital (leverage) ratio | 9.9770% | 3,600 |
| Tier 1 risk-based capital ratio | 13.1737% | 4,608 |
| Total risk-based capital ratio | 14.3672% | 4,566 |
| Memoranda: | ||
| Average total assets | $195,313,200 | 3,048 |
| Average earning assets | $178,412,400 | 3,064 |
| Average equity | $18,597,200 | 3,338 |
| Average total loans | $149,094,000 | 2,585 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 1,454 |
| Cost of funding earning assets | 0.7974% | 692 |
| Net interest margin | 3.8453% | 2,451 |
| Noninterest income to average assets | 0.5255% | 3,355 |
| Noninterest expense to average assets | 2.4336% | 4,723 |
| Loan and lease loss provision to assets | 0.1903% | 1,273 |
| Net operating income to assets | 0.8837% | 2,997 |
| Return on assets (ROA) | 0.8837% | 3,100 |
| Pretax return on assets | 1.4092% | 1,975 |
| Return on Equity (ROE) | 9.4188% | 2,490 |
| Retained earnings to average equity (ytd only) | 8.8247% | 1,053 |
| Net charge-offs to loans | 0.1992% | 1,871 |
| Credit loss provision to net charge-offs | 126.6968% | 1,820 |
| Earnings coverage of net charge-offs (x) | 10.6470% | 2,519 |
| Efficiency ratio | 60.3405% | 5,133 |
| Assets per employee ($millions) | 3.6110% | 4,657 |
| Cash dividends to net income (ytd only)* | 6.3077% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 4,621 |
| Loan loss allowance to noncurrent loans | 137.1224% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6452% | 3,903 |
| Noncurrent loans to loans | 0.8228% | 3,515 |
| Net loans and leases to total assets | 77.5288% | 1,016 |
| Net loans and leases to deposits | 87.7506% | 1,702 |
| Net loans and leases to core deposits | 92.5093% | 1,994 |
| Total domestic deposits to total assets | 88.3513% | 1,574 |
| Equity capital to assets | 9.7660% | 4,461 |
| Core capital (leverage) ratio | 9.8957% | 3,825 |
| Tier 1 risk-based capital ratio | 12.9489% | 4,894 |
| Total risk-based capital ratio | 14.1165% | 4,861 |
| Memoranda: | ||
| Average total assets | $196,139,000 | 3,058 |
| Average earning assets | $178,914,750 | 3,079 |
| Average equity | $18,402,500 | 3,378 |
| Average total loans | $147,928,250 | 2,617 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 1,563 |
| Cost of funding earning assets | 0.8160% | 655 |
| Net interest margin | 3.7723% | 2,658 |
| Noninterest income to average assets | 0.5150% | 3,370 |
| Noninterest expense to average assets | 2.4048% | 4,864 |
| Loan and lease loss provision to assets | 0.1170% | 2,086 |
| Net operating income to assets | 0.8996% | 2,809 |
| Return on assets (ROA) | 0.8996% | 2,904 |
| Pretax return on assets | 1.4227% | 1,809 |
| Return on Equity (ROE) | 9.7202% | 2,276 |
| Retained earnings to average equity (ytd only) | 8.8185% | 1,042 |
| Net charge-offs to loans | 0.0588% | 3,131 |
| Credit loss provision to net charge-offs | 267.4419% | 941 |
| Earnings coverage of net charge-offs (x) | 35.1860% | 1,148 |
| Efficiency ratio | 60.9649% | 5,147 |
| Assets per employee ($millions) | 3.6093% | 4,638 |
| Cash dividends to net income (ytd only)* | 9.2760% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 4,579 |
| Loan loss allowance to noncurrent loans | 125.3968% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 3,651 |
| Noncurrent loans to loans | 0.9309% | 3,386 |
| Net loans and leases to total assets | 74.1251% | 1,425 |
| Net loans and leases to deposits | 84.4552% | 1,984 |
| Net loans and leases to core deposits | 88.9978% | 2,211 |
| Total domestic deposits to total assets | 87.7686% | 2,052 |
| Equity capital to assets | 9.3923% | 4,851 |
| Core capital (leverage) ratio | 9.3609% | 4,516 |
| Tier 1 risk-based capital ratio | 12.8796% | 4,993 |
| Total risk-based capital ratio | 14.0758% | 4,958 |
| Memoranda: | ||
| Average total assets | $196,521,330 | 3,075 |
| Average earning assets | $178,670,000 | 3,098 |
| Average equity | $18,189,000 | 3,404 |
| Average total loans | $146,271,000 | 2,636 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 1,657 |
| Cost of funding earning assets | 0.8206% | 666 |
| Net interest margin | 3.7265% | 2,763 |
| Noninterest income to average assets | 0.5094% | 3,333 |
| Noninterest expense to average assets | 2.3076% | 5,169 |
| Loan and lease loss provision to assets | 0.1330% | 1,822 |
| Net operating income to assets | 0.9247% | 2,526 |
| Return on assets (ROA) | 0.9247% | 2,601 |
| Pretax return on assets | 1.4689% | 1,519 |
| Return on Equity (ROE) | 10.0663% | 2,015 |
| Retained earnings to average equity (ytd only) | 10.0663% | 945 |
| Net charge-offs to loans | 0.1021% | 2,150 |
| Credit loss provision to net charge-offs | 175.6757% | 1,137 |
| Earnings coverage of net charge-offs (x) | 21.1622% | 1,304 |
| Efficiency ratio | 59.0267% | 5,536 |
| Assets per employee ($millions) | 3.6609% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 4,758 |
| Loan loss allowance to noncurrent loans | 183.1351% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 4,455 |
| Noncurrent loans to loans | 0.6410% | 4,258 |
| Net loans and leases to total assets | 70.8306% | 1,749 |
| Net loans and leases to deposits | 80.4309% | 2,236 |
| Net loans and leases to core deposits | 84.6552% | 2,447 |
| Total domestic deposits to total assets | 88.0639% | 2,201 |
| Equity capital to assets | 9.0480% | 5,062 |
| Core capital (leverage) ratio | 9.3714% | 4,478 |
| Tier 1 risk-based capital ratio | 12.9109% | 5,051 |
| Total risk-based capital ratio | 14.1019% | 5,038 |
| Memoranda: | ||
| Average total assets | $195,525,500 | 3,105 |
| Average earning assets | $178,399,000 | 3,119 |
| Average equity | $17,961,000 | 3,435 |
| Average total loans | $144,963,500 | 2,662 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 1,830 |
| Cost of funding earning assets | 0.8984% | 742 |
| Net interest margin | 3.7144% | 3,000 |
| Noninterest income to average assets | 0.7110% | 2,480 |
| Noninterest expense to average assets | 2.2908% | 5,410 |
| Loan and lease loss provision to assets | 0.2474% | 1,456 |
| Net operating income to assets | 0.9704% | 2,465 |
| Return on assets (ROA) | 0.9704% | 2,532 |
| Pretax return on assets | 1.5475% | 1,305 |
| Return on Equity (ROE) | 10.8782% | 1,805 |
| Retained earnings to average equity (ytd only) | 9.2257% | 728 |
| Net charge-offs to loans | 0.2859% | 2,261 |
| Credit loss provision to net charge-offs | 118.7500% | 2,017 |
| Earnings coverage of net charge-offs (x) | 8.6150% | 2,638 |
| Efficiency ratio | 56.0683% | 5,940 |
| Assets per employee ($millions) | 3.5793% | 4,735 |
| Cash dividends to net income (ytd only)* | 15.1906% | 3,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 4,936 |
| Loan loss allowance to noncurrent loans | 157.4669% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 4,461 |
| Noncurrent loans to loans | 0.7266% | 4,147 |
| Net loans and leases to total assets | 75.8823% | 1,093 |
| Net loans and leases to deposits | 84.6776% | 1,839 |
| Net loans and leases to core deposits | 89.7137% | 2,055 |
| Total domestic deposits to total assets | 89.6132% | 1,266 |
| Equity capital to assets | 9.3325% | 4,649 |
| Core capital (leverage) ratio | 9.3618% | 4,453 |
| Tier 1 risk-based capital ratio | 12.6585% | 5,198 |
| Total risk-based capital ratio | 13.8361% | 5,187 |
| Memoranda: | ||
| Average total assets | $191,989,200 | 3,129 |
| Average earning assets | $174,427,600 | 3,161 |
| Average equity | $17,126,000 | 3,545 |
| Average total loans | $139,923,200 | 2,702 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 2,012 |
| Cost of funding earning assets | 0.9067% | 789 |
| Net interest margin | 3.6513% | 3,228 |
| Noninterest income to average assets | 0.7367% | 2,429 |
| Noninterest expense to average assets | 2.1707% | 5,680 |
| Loan and lease loss provision to assets | 0.1939% | 1,881 |
| Net operating income to assets | 1.0525% | 2,175 |
| Return on assets (ROA) | 1.0525% | 2,258 |
| Pretax return on assets | 1.6819% | 1,142 |
| Return on Equity (ROE) | 11.9343% | 1,490 |
| Retained earnings to average equity (ytd only) | 11.2905% | 523 |
| Net charge-offs to loans | 0.2570% | 2,269 |
| Credit loss provision to net charge-offs | 104.8689% | 2,231 |
| Earnings coverage of net charge-offs (x) | 10.1461% | 2,389 |
| Efficiency ratio | 53.6448% | 6,133 |
| Assets per employee ($millions) | 3.6481% | 4,562 |
| Cash dividends to net income (ytd only)* | 5.3947% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 5,329 |
| Loan loss allowance to noncurrent loans | 120.2399% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 4,383 |
| Noncurrent loans to loans | 0.9158% | 3,984 |
| Net loans and leases to total assets | 74.5084% | 1,213 |
| Net loans and leases to deposits | 82.2906% | 2,103 |
| Net loans and leases to core deposits | 87.3654% | 2,244 |
| Total domestic deposits to total assets | 90.5431% | 729 |
| Equity capital to assets | 9.1099% | 5,042 |
| Core capital (leverage) ratio | 9.2845% | 4,710 |
| Tier 1 risk-based capital ratio | 12.5478% | 5,431 |
| Total risk-based capital ratio | 13.6806% | 5,435 |
| Memoranda: | ||
| Average total assets | $192,560,750 | 3,143 |
| Average earning assets | $174,543,750 | 3,185 |
| Average equity | $16,981,500 | 3,605 |
| Average total loans | $138,499,750 | 2,737 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5175% | 2,129 |
| Cost of funding earning assets | 0.9187% | 820 |
| Net interest margin | 3.5988% | 3,359 |
| Noninterest income to average assets | 0.6584% | 2,868 |
| Noninterest expense to average assets | 2.2028% | 5,621 |
| Loan and lease loss provision to assets | 0.1196% | 2,826 |
| Net operating income to assets | 0.9985% | 2,331 |
| Return on assets (ROA) | 0.9985% | 2,472 |
| Pretax return on assets | 1.5913% | 1,394 |
| Return on Equity (ROE) | 11.4486% | 1,659 |
| Retained earnings to average equity (ytd only) | 10.4707% | 750 |
| Net charge-offs to loans | 0.0735% | 3,658 |
| Credit loss provision to net charge-offs | 230.0000% | 1,074 |
| Earnings coverage of net charge-offs (x) | 32.9000% | 1,073 |
| Efficiency ratio | 56.2849% | 5,934 |
| Assets per employee ($millions) | 3.6421% | 4,533 |
| Cash dividends to net income (ytd only)* | 8.5417% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 4,991 |
| Loan loss allowance to noncurrent loans | 257.5428% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 5,481 |
| Noncurrent loans to loans | 0.4660% | 5,091 |
| Net loans and leases to total assets | 70.6180% | 1,782 |
| Net loans and leases to deposits | 77.7216% | 2,604 |
| Net loans and leases to core deposits | 82.8281% | 2,717 |
| Total domestic deposits to total assets | 90.8601% | 597 |
| Equity capital to assets | 8.8239% | 5,417 |
| Core capital (leverage) ratio | 8.8346% | 5,241 |
| Tier 1 risk-based capital ratio | 12.6668% | 5,379 |
| Total risk-based capital ratio | 13.8853% | 5,346 |
| Memoranda: | ||
| Average total assets | $192,297,670 | 3,160 |
| Average earning assets | $173,947,330 | 3,200 |
| Average equity | $16,770,670 | 3,657 |
| Average total loans | $136,111,000 | 2,774 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 2,229 |
| Cost of funding earning assets | 0.9268% | 863 |
| Net interest margin | 3.5550% | 3,458 |
| Noninterest income to average assets | 0.5815% | 3,244 |
| Noninterest expense to average assets | 2.1612% | 5,778 |
| Loan and lease loss provision to assets | 0.1459% | 2,418 |
| Net operating income to assets | 0.9358% | 2,491 |
| Return on assets (ROA) | 0.9358% | 2,635 |
| Pretax return on assets | 1.4880% | 1,593 |
| Return on Equity (ROE) | 10.7936% | 1,762 |
| Retained earnings to average equity (ytd only) | 10.7936% | 917 |
| Net charge-offs to loans | 0.0148% | 3,852 |
| Credit loss provision to net charge-offs | 1,400.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 156.8000% | 258 |
| Efficiency ratio | 56.9467% | 5,972 |
| Assets per employee ($millions) | 3.7038% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 5,052 |
| Loan loss allowance to noncurrent loans | 308.9552% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 5,700 |
| Noncurrent loans to loans | 0.3978% | 5,420 |
| Net loans and leases to total assets | 67.7901% | 2,051 |
| Net loans and leases to deposits | 74.5851% | 2,839 |
| Net loans and leases to core deposits | 79.2900% | 2,888 |
| Total domestic deposits to total assets | 90.8896% | 572 |
| Equity capital to assets | 8.5888% | 5,929 |
| Core capital (leverage) ratio | 8.7722% | 5,229 |
| Tier 1 risk-based capital ratio | 12.5178% | 5,565 |
| Total risk-based capital ratio | 13.7526% | 5,528 |
| Memoranda: | ||
| Average total assets | $191,930,000 | 3,198 |
| Average earning assets | $173,503,000 | 3,226 |
| Average equity | $16,639,500 | 3,721 |
| Average total loans | $135,180,500 | 2,799 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6501% | 2,794 |
| Cost of funding earning assets | 1.1159% | 850 |
| Net interest margin | 3.5342% | 4,357 |
| Noninterest income to average assets | 0.7515% | 2,488 |
| Noninterest expense to average assets | 2.2887% | 5,719 |
| Loan and lease loss provision to assets | 0.1517% | 3,717 |
| Net operating income to assets | 0.9369% | 2,617 |
| Return on assets (ROA) | 0.9369% | 2,865 |
| Pretax return on assets | 1.4898% | 1,706 |
| Return on Equity (ROE) | 10.8403% | 1,859 |
| Retained earnings to average equity (ytd only) | 9.3847% | 725 |
| Net charge-offs to loans | 0.1032% | 4,637 |
| Credit loss provision to net charge-offs | 206.7669% | 1,237 |
| Earnings coverage of net charge-offs (x) | 22.3684% | 1,267 |
| Efficiency ratio | 58.2339% | 5,795 |
| Assets per employee ($millions) | 3.6069% | 4,763 |
| Cash dividends to net income (ytd only)* | 13.4276% | 3,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 5,247 |
| Loan loss allowance to noncurrent loans | 172.1861% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 4,847 |
| Noncurrent loans to loans | 0.6813% | 4,836 |
| Net loans and leases to total assets | 71.4663% | 1,579 |
| Net loans and leases to deposits | 78.7012% | 2,439 |
| Net loans and leases to core deposits | 83.6036% | 2,592 |
| Total domestic deposits to total assets | 90.8071% | 563 |
| Equity capital to assets | 8.7541% | 5,791 |
| Core capital (leverage) ratio | 8.7981% | 5,186 |
| Tier 1 risk-based capital ratio | 12.2656% | 5,621 |
| Total risk-based capital ratio | 13.4601% | 5,608 |
| Memoranda: | ||
| Average total assets | $181,237,600 | 3,297 |
| Average earning assets | $163,006,000 | 3,331 |
| Average equity | $15,663,800 | 3,831 |
| Average total loans | $128,823,600 | 2,903 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6480% | 3,023 |
| Cost of funding earning assets | 1.1492% | 869 |
| Net interest margin | 3.4988% | 4,654 |
| Noninterest income to average assets | 0.6701% | 2,871 |
| Noninterest expense to average assets | 2.2583% | 5,798 |
| Loan and lease loss provision to assets | 0.1299% | 3,928 |
| Net operating income to assets | 0.8980% | 2,990 |
| Return on assets (ROA) | 0.8980% | 3,221 |
| Pretax return on assets | 1.4227% | 2,166 |
| Return on Equity (ROE) | 10.4251% | 2,164 |
| Retained earnings to average equity (ytd only) | 9.7962% | 967 |
| Net charge-offs to loans | 0.0661% | 4,760 |
| Credit loss provision to net charge-offs | 277.7778% | 977 |
| Earnings coverage of net charge-offs (x) | 33.2055% | 1,009 |
| Efficiency ratio | 59.2600% | 5,619 |
| Assets per employee ($millions) | 3.4707% | 5,035 |
| Cash dividends to net income (ytd only)* | 6.0330% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 5,392 |
| Loan loss allowance to noncurrent loans | 291.2313% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 5,468 |
| Noncurrent loans to loans | 0.4041% | 5,645 |
| Net loans and leases to total assets | 71.2530% | 1,686 |
| Net loans and leases to deposits | 78.5458% | 2,591 |
| Net loans and leases to core deposits | 83.5519% | 2,750 |
| Total domestic deposits to total assets | 90.7152% | 510 |
| Equity capital to assets | 8.7488% | 6,070 |
| Core capital (leverage) ratio | 8.7100% | 5,458 |
| Tier 1 risk-based capital ratio | 12.3410% | 5,742 |
| Total risk-based capital ratio | 13.5454% | 5,740 |
| Memoranda: | ||
| Average total assets | $179,657,750 | 3,357 |
| Average earning assets | $161,269,750 | 3,397 |
| Average equity | $15,475,000 | 3,901 |
| Average total loans | $127,121,750 | 2,970 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 3,207 |
| Cost of funding earning assets | 1.1858% | 874 |
| Net interest margin | 3.4509% | 4,874 |
| Noninterest income to average assets | 0.5813% | 3,369 |
| Noninterest expense to average assets | 2.3128% | 5,697 |
| Loan and lease loss provision to assets | 0.1347% | 3,843 |
| Net operating income to assets | 0.7799% | 3,467 |
| Return on assets (ROA) | 0.7799% | 3,738 |
| Pretax return on assets | 1.2265% | 2,817 |
| Return on Equity (ROE) | 9.1034% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.1472% | 1,589 |
| Net charge-offs to loans | 0.0335% | 4,910 |
| Credit loss provision to net charge-offs | 571.4286% | 545 |
| Earnings coverage of net charge-offs (x) | 57.7619% | 656 |
| Efficiency ratio | 62.9505% | 5,091 |
| Assets per employee ($millions) | 3.6117% | 4,730 |
| Cash dividends to net income (ytd only)* | 10.5036% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 5,312 |
| Loan loss allowance to noncurrent loans | 406.2992% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 5,501 |
| Noncurrent loans to loans | 0.2977% | 5,965 |
| Net loans and leases to total assets | 68.6394% | 2,180 |
| Net loans and leases to deposits | 76.2625% | 2,947 |
| Net loans and leases to core deposits | 80.7340% | 3,126 |
| Total domestic deposits to total assets | 90.0041% | 920 |
| Equity capital to assets | 8.4546% | 6,255 |
| Core capital (leverage) ratio | 8.4685% | 5,686 |
| Tier 1 risk-based capital ratio | 12.2671% | 5,748 |
| Total risk-based capital ratio | 13.4934% | 5,743 |
| Memoranda: | ||
| Average total assets | $178,228,330 | 3,381 |
| Average earning assets | $159,726,330 | 3,432 |
| Average equity | $15,269,000 | 3,928 |
| Average total loans | $125,286,330 | 3,022 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6792% | 3,137 |
| Cost of funding earning assets | 1.2170% | 912 |
| Net interest margin | 3.4622% | 4,864 |
| Noninterest income to average assets | 0.5798% | 3,352 |
| Noninterest expense to average assets | 2.2460% | 5,915 |
| Loan and lease loss provision to assets | 0.1826% | 3,144 |
| Net operating income to assets | 0.7898% | 3,424 |
| Return on assets (ROA) | 0.7898% | 3,671 |
| Pretax return on assets | 1.2485% | 2,731 |
| Return on Equity (ROE) | 9.1553% | 2,758 |
| Retained earnings to average equity (ytd only) | 9.1553% | 1,530 |
| Net charge-offs to loans | 0.0645% | 3,850 |
| Credit loss provision to net charge-offs | 400.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 31.3500% | 889 |
| Efficiency ratio | 61.0801% | 5,441 |
| Assets per employee ($millions) | 3.3703% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 5,404 |
| Loan loss allowance to noncurrent loans | 269.4643% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 5,307 |
| Noncurrent loans to loans | 0.4523% | 5,771 |
| Net loans and leases to total assets | 67.1943% | 2,258 |
| Net loans and leases to deposits | 74.6583% | 3,020 |
| Net loans and leases to core deposits | 78.9575% | 3,192 |
| Total domestic deposits to total assets | 90.0025% | 1,084 |
| Equity capital to assets | 8.3985% | 6,180 |
| Core capital (leverage) ratio | 8.7725% | 5,165 |
| Tier 1 risk-based capital ratio | 12.3496% | 5,721 |
| Total risk-based capital ratio | 13.5749% | 5,697 |
| Memoranda: | ||
| Average total assets | $175,244,500 | 3,451 |
| Average earning assets | $156,780,000 | 3,500 |
| Average equity | $15,117,000 | 3,967 |
| Average total loans | $123,940,000 | 3,064 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9877% | 2,934 |
| Cost of funding earning assets | 1.3387% | 1,299 |
| Net interest margin | 3.6490% | 4,527 |
| Noninterest income to average assets | 0.6370% | 2,966 |
| Noninterest expense to average assets | 2.5675% | 5,210 |
| Loan and lease loss provision to assets | 0.2803% | 3,426 |
| Net operating income to assets | 0.6641% | 3,667 |
| Return on assets (ROA) | 0.6641% | 3,854 |
| Pretax return on assets | 1.0398% | 3,083 |
| Return on Equity (ROE) | 7.4151% | 3,195 |
| Retained earnings to average equity (ytd only) | 6.0325% | 1,996 |
| Net charge-offs to loans | 0.2837% | 4,005 |
| Credit loss provision to net charge-offs | 135.0148% | 2,226 |
| Earnings coverage of net charge-offs (x) | 6.3591% | 2,533 |
| Efficiency ratio | 66.0434% | 4,764 |
| Assets per employee ($millions) | 3.4386% | 5,159 |
| Cash dividends to net income (ytd only)* | 18.6456% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 5,550 |
| Loan loss allowance to noncurrent loans | 124.4845% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1104% | 4,389 |
| Noncurrent loans to loans | 0.9381% | 4,826 |
| Net loans and leases to total assets | 72.7811% | 1,495 |
| Net loans and leases to deposits | 81.3354% | 2,302 |
| Net loans and leases to core deposits | 85.8015% | 2,657 |
| Total domestic deposits to total assets | 89.4826% | 1,274 |
| Equity capital to assets | 8.8722% | 5,705 |
| Core capital (leverage) ratio | 8.8475% | 5,025 |
| Tier 1 risk-based capital ratio | 12.2519% | 5,646 |
| Total risk-based capital ratio | 13.4461% | 5,665 |
| Memoranda: | ||
| Average total assets | $162,334,000 | 3,601 |
| Average earning assets | $144,616,600 | 3,663 |
| Average equity | $14,538,000 | 4,001 |
| Average total loans | $118,797,400 | 3,202 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 3,252 |
| Cost of funding earning assets | 1.3494% | 1,456 |
| Net interest margin | 3.6193% | 4,696 |
| Noninterest income to average assets | 0.5945% | 3,206 |
| Noninterest expense to average assets | 2.4644% | 5,576 |
| Loan and lease loss provision to assets | 0.2280% | 3,729 |
| Net operating income to assets | 0.7173% | 3,519 |
| Return on assets (ROA) | 0.7173% | 3,695 |
| Pretax return on assets | 1.1269% | 2,908 |
| Return on Equity (ROE) | 7.9895% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.3983% | 1,775 |
| Net charge-offs to loans | 0.1941% | 4,251 |
| Credit loss provision to net charge-offs | 160.8187% | 1,914 |
| Earnings coverage of net charge-offs (x) | 9.5557% | 2,032 |
| Efficiency ratio | 64.5245% | 4,979 |
| Assets per employee ($millions) | 3.4813% | 5,048 |
| Cash dividends to net income (ytd only)* | 7.3988% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 5,591 |
| Loan loss allowance to noncurrent loans | 130.6922% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 4,876 |
| Noncurrent loans to loans | 0.8950% | 5,073 |
| Net loans and leases to total assets | 72.5567% | 1,596 |
| Net loans and leases to deposits | 81.2670% | 2,491 |
| Net loans and leases to core deposits | 85.8455% | 2,795 |
| Total domestic deposits to total assets | 89.2819% | 1,268 |
| Equity capital to assets | 8.9018% | 5,858 |
| Core capital (leverage) ratio | 8.9977% | 4,930 |
| Tier 1 risk-based capital ratio | 12.3823% | 5,593 |
| Total risk-based capital ratio | 13.5832% | 5,625 |
| Memoranda: | ||
| Average total assets | $160,794,250 | 3,647 |
| Average earning assets | $143,266,000 | 3,716 |
| Average equity | $14,435,250 | 4,046 |
| Average total loans | $117,476,750 | 3,252 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9609% | 3,348 |
| Cost of funding earning assets | 1.3522% | 1,638 |
| Net interest margin | 3.6087% | 4,694 |
| Noninterest income to average assets | 0.5545% | 3,439 |
| Noninterest expense to average assets | 2.5357% | 5,418 |
| Loan and lease loss provision to assets | 0.2521% | 3,384 |
| Net operating income to assets | 0.6251% | 3,934 |
| Return on assets (ROA) | 0.6251% | 4,061 |
| Pretax return on assets | 0.9755% | 3,334 |
| Return on Equity (ROE) | 6.9426% | 3,471 |
| Retained earnings to average equity (ytd only) | 6.0467% | 2,399 |
| Net charge-offs to loans | 0.2782% | 3,497 |
| Credit loss provision to net charge-offs | 124.2236% | 2,454 |
| Earnings coverage of net charge-offs (x) | 6.0497% | 2,484 |
| Efficiency ratio | 67.3811% | 4,629 |
| Assets per employee ($millions) | 3.4464% | 5,087 |
| Cash dividends to net income (ytd only)* | 12.9032% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,688 |
| Loan loss allowance to noncurrent loans | 136.5902% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 5,224 |
| Noncurrent loans to loans | 0.8529% | 5,240 |
| Net loans and leases to total assets | 71.7549% | 1,831 |
| Net loans and leases to deposits | 80.3943% | 2,721 |
| Net loans and leases to core deposits | 85.3904% | 3,012 |
| Total domestic deposits to total assets | 89.2537% | 1,381 |
| Equity capital to assets | 8.9553% | 5,645 |
| Core capital (leverage) ratio | 9.0623% | 4,625 |
| Tier 1 risk-based capital ratio | 12.5075% | 5,341 |
| Total risk-based capital ratio | 13.6952% | 5,380 |
| Memoranda: | ||
| Average total assets | $158,692,000 | 3,703 |
| Average earning assets | $141,102,670 | 3,773 |
| Average equity | $14,288,670 | 4,065 |
| Average total loans | $115,743,000 | 3,323 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9984% | 3,111 |
| Cost of funding earning assets | 1.3543% | 1,859 |
| Net interest margin | 3.6441% | 4,356 |
| Noninterest income to average assets | 0.5909% | 3,236 |
| Noninterest expense to average assets | 2.4757% | 5,642 |
| Loan and lease loss provision to assets | 0.2674% | 2,999 |
| Net operating income to assets | 0.6902% | 3,551 |
| Return on assets (ROA) | 0.6902% | 3,624 |
| Pretax return on assets | 1.0825% | 2,824 |
| Return on Equity (ROE) | 7.6446% | 3,073 |
| Retained earnings to average equity (ytd only) | 7.6446% | 1,865 |
| Net charge-offs to loans | 0.3693% | 2,590 |
| Credit loss provision to net charge-offs | 99.0566% | 2,753 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,351 |
| Efficiency ratio | 64.7137% | 5,236 |
| Assets per employee ($millions) | 3.3789% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 5,758 |
| Loan loss allowance to noncurrent loans | 176.1589% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 5,430 |
| Noncurrent loans to loans | 0.6658% | 5,699 |
| Net loans and leases to total assets | 70.5657% | 2,017 |
| Net loans and leases to deposits | 79.1781% | 2,859 |
| Net loans and leases to core deposits | 83.8614% | 3,182 |
| Total domestic deposits to total assets | 89.1227% | 1,694 |
| Equity capital to assets | 9.0084% | 5,196 |
| Core capital (leverage) ratio | 9.1776% | 4,327 |
| Tier 1 risk-based capital ratio | 12.7818% | 4,990 |
| Total risk-based capital ratio | 13.9734% | 5,017 |
| Memoranda: | ||
| Average total assets | $157,047,000 | 3,758 |
| Average earning assets | $139,404,500 | 3,833 |
| Average equity | $14,180,000 | 4,077 |
| Average total loans | $114,814,500 | 3,372 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4038% | 2,654 |
| Cost of funding earning assets | 1.7104% | 1,553 |
| Net interest margin | 3.6934% | 4,374 |
| Noninterest income to average assets | 0.7209% | 2,708 |
| Noninterest expense to average assets | 2.5929% | 5,451 |
| Loan and lease loss provision to assets | 0.4653% | 3,341 |
| Net operating income to assets | 0.6015% | 3,658 |
| Return on assets (ROA) | 0.6015% | 3,824 |
| Pretax return on assets | 0.9347% | 3,149 |
| Return on Equity (ROE) | 6.5110% | 3,339 |
| Retained earnings to average equity (ytd only) | 5.1753% | 2,324 |
| Net charge-offs to loans | 0.5197% | 3,546 |
| Credit loss provision to net charge-offs | 118.1507% | 3,608 |
| Earnings coverage of net charge-offs (x) | 3.5548% | 3,305 |
| Efficiency ratio | 64.9384% | 5,178 |
| Assets per employee ($millions) | 3.3040% | 5,423 |
| Cash dividends to net income (ytd only)* | 20.5157% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 5,758 |
| Loan loss allowance to noncurrent loans | 208.9482% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 5,720 |
| Noncurrent loans to loans | 0.5480% | 5,955 |
| Net loans and leases to total assets | 73.9951% | 1,665 |
| Net loans and leases to deposits | 83.0093% | 2,629 |
| Net loans and leases to core deposits | 87.8397% | 3,072 |
| Total domestic deposits to total assets | 89.1407% | 1,579 |
| Equity capital to assets | 9.0504% | 5,071 |
| Core capital (leverage) ratio | 9.1585% | 4,246 |
| Tier 1 risk-based capital ratio | 12.3489% | 5,162 |
| Total risk-based capital ratio | 13.5232% | 5,194 |
| Memoranda: | ||
| Average total assets | $148,288,600 | 3,903 |
| Average earning assets | $131,370,600 | 3,987 |
| Average equity | $13,699,800 | 4,213 |
| Average total loans | $112,378,000 | 3,486 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4115% | 2,829 |
| Cost of funding earning assets | 1.7881% | 1,465 |
| Net interest margin | 3.6234% | 4,758 |
| Noninterest income to average assets | 0.6842% | 2,916 |
| Noninterest expense to average assets | 2.5503% | 5,517 |
| Loan and lease loss provision to assets | 0.4868% | 3,042 |
| Net operating income to assets | 0.5550% | 4,075 |
| Return on assets (ROA) | 0.5550% | 4,243 |
| Pretax return on assets | 0.8589% | 3,704 |
| Return on Equity (ROE) | 5.9753% | 3,825 |
| Retained earnings to average equity (ytd only) | 5.4365% | 2,687 |
| Net charge-offs to loans | 0.6283% | 2,861 |
| Credit loss provision to net charge-offs | 101.9048% | 4,226 |
| Earnings coverage of net charge-offs (x) | 2.8172% | 3,727 |
| Efficiency ratio | 65.4601% | 4,967 |
| Assets per employee ($millions) | 3.2910% | 5,490 |
| Cash dividends to net income (ytd only)* | 9.0162% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 6,155 |
| Loan loss allowance to noncurrent loans | 168.9466% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 5,808 |
| Noncurrent loans to loans | 0.6222% | 5,962 |
| Net loans and leases to total assets | 76.7852% | 1,264 |
| Net loans and leases to deposits | 86.3925% | 2,260 |
| Net loans and leases to core deposits | 90.3391% | 3,048 |
| Total domestic deposits to total assets | 88.8794% | 1,456 |
| Equity capital to assets | 9.1977% | 5,313 |
| Core capital (leverage) ratio | 9.3448% | 4,137 |
| Tier 1 risk-based capital ratio | 12.3442% | 5,122 |
| Total risk-based capital ratio | 13.4450% | 5,247 |
| Memoranda: | ||
| Average total assets | $146,539,250 | 3,990 |
| Average earning assets | $129,892,250 | 4,069 |
| Average equity | $13,611,250 | 4,301 |
| Average total loans | $111,413,750 | 3,570 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3785% | 3,068 |
| Cost of funding earning assets | 1.8358% | 1,507 |
| Net interest margin | 3.5427% | 5,077 |
| Noninterest income to average assets | 0.5962% | 3,364 |
| Noninterest expense to average assets | 2.5972% | 5,336 |
| Loan and lease loss provision to assets | 0.4071% | 3,278 |
| Net operating income to assets | 0.4816% | 4,408 |
| Return on assets (ROA) | 0.4816% | 4,568 |
| Pretax return on assets | 0.7397% | 4,107 |
| Return on Equity (ROE) | 5.1677% | 4,207 |
| Retained earnings to average equity (ytd only) | 4.3533% | 3,303 |
| Net charge-offs to loans | 0.5064% | 3,011 |
| Credit loss provision to net charge-offs | 106.4982% | 3,831 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,499 |
| Efficiency ratio | 69.3697% | 4,302 |
| Assets per employee ($millions) | 3.1943% | 5,699 |
| Cash dividends to net income (ytd only)* | 15.7593% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 5,929 |
| Loan loss allowance to noncurrent loans | 138.4187% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 5,752 |
| Noncurrent loans to loans | 0.7965% | 5,683 |
| Net loans and leases to total assets | 75.8805% | 1,515 |
| Net loans and leases to deposits | 86.6987% | 2,394 |
| Net loans and leases to core deposits | 91.0470% | 3,116 |
| Total domestic deposits to total assets | 87.5220% | 2,246 |
| Equity capital to assets | 9.2964% | 5,011 |
| Core capital (leverage) ratio | 9.3770% | 4,001 |
| Tier 1 risk-based capital ratio | 12.7185% | 4,670 |
| Total risk-based capital ratio | 13.8814% | 4,714 |
| Memoranda: | ||
| Average total assets | $144,923,670 | 4,051 |
| Average earning assets | $128,772,330 | 4,114 |
| Average equity | $13,507,000 | 4,319 |
| Average total loans | $109,392,670 | 3,653 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3646% | 3,218 |
| Cost of funding earning assets | 1.8614% | 1,605 |
| Net interest margin | 3.5031% | 5,143 |
| Noninterest income to average assets | 0.5587% | 3,580 |
| Noninterest expense to average assets | 2.6376% | 5,197 |
| Loan and lease loss provision to assets | 0.3613% | 3,204 |
| Net operating income to assets | 0.4336% | 4,695 |
| Return on assets (ROA) | 0.4336% | 4,826 |
| Pretax return on assets | 0.6615% | 4,370 |
| Return on Equity (ROE) | 4.6461% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.6461% | 3,353 |
| Net charge-offs to loans | 0.4902% | 2,594 |
| Credit loss provision to net charge-offs | 98.4848% | 3,482 |
| Earnings coverage of net charge-offs (x) | 2.7879% | 3,153 |
| Efficiency ratio | 72.0577% | 3,921 |
| Assets per employee ($millions) | 3.1272% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 5,840 |
| Loan loss allowance to noncurrent loans | 112.4081% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8968% | 5,370 |
| Noncurrent loans to loans | 1.0100% | 5,306 |
| Net loans and leases to total assets | 74.0327% | 1,962 |
| Net loans and leases to deposits | 84.7831% | 2,804 |
| Net loans and leases to core deposits | 88.7186% | 3,533 |
| Total domestic deposits to total assets | 87.3201% | 2,451 |
| Equity capital to assets | 9.3869% | 4,697 |
| Core capital (leverage) ratio | 9.4705% | 3,816 |
| Tier 1 risk-based capital ratio | 13.0426% | 4,303 |
| Total risk-based capital ratio | 14.2282% | 4,325 |
| Memoranda: | ||
| Average total assets | $143,916,000 | 4,128 |
| Average earning assets | $127,429,000 | 4,200 |
| Average equity | $13,430,500 | 4,370 |
| Average total loans | $107,718,500 | 3,738 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7637% | 2,805 |
| Cost of funding earning assets | 2.3280% | 1,545 |
| Net interest margin | 3.4357% | 5,233 |
| Noninterest income to average assets | 1.0258% | 1,485 |
| Noninterest expense to average assets | 2.7141% | 5,325 |
| Loan and lease loss provision to assets | 0.4441% | 4,163 |
| Net operating income to assets | 0.6010% | 3,330 |
| Return on assets (ROA) | 0.6010% | 3,403 |
| Pretax return on assets | 0.9348% | 2,813 |
| Return on Equity (ROE) | 6.1814% | 3,132 |
| Retained earnings to average equity (ytd only) | 4.7883% | 1,927 |
| Net charge-offs to loans | 0.3714% | 4,356 |
| Credit loss provision to net charge-offs | 155.8442% | 2,910 |
| Earnings coverage of net charge-offs (x) | 4.8390% | 2,794 |
| Efficiency ratio | 66.3110% | 5,334 |
| Assets per employee ($millions) | 3.1300% | 5,914 |
| Cash dividends to net income (ytd only)* | 22.5369% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 5,706 |
| Loan loss allowance to noncurrent loans | 130.3191% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 5,474 |
| Noncurrent loans to loans | 0.8726% | 5,554 |
| Net loans and leases to total assets | 73.9627% | 2,282 |
| Net loans and leases to deposits | 85.9730% | 2,916 |
| Net loans and leases to core deposits | 115.1164% | 2,406 |
| Total domestic deposits to total assets | 86.0302% | 3,007 |
| Equity capital to assets | 9.2775% | 4,726 |
| Core capital (leverage) ratio | 9.3375% | 3,920 |
| Tier 1 risk-based capital ratio | 12.8722% | 4,230 |
| Total risk-based capital ratio | 14.0580% | 4,230 |
| Memoranda: | ||
| Average total assets | $135,108,200 | 4,235 |
| Average earning assets | $120,616,600 | 4,299 |
| Average equity | $13,136,200 | 4,482 |
| Average total loans | $103,664,600 | 3,854 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8125% | 2,829 |
| Cost of funding earning assets | 2.4126% | 1,585 |
| Net interest margin | 3.3999% | 5,264 |
| Noninterest income to average assets | 1.1026% | 1,302 |
| Noninterest expense to average assets | 2.6738% | 5,441 |
| Loan and lease loss provision to assets | 0.3612% | 4,158 |
| Net operating income to assets | 0.7083% | 3,174 |
| Return on assets (ROA) | 0.7083% | 3,240 |
| Pretax return on assets | 1.1117% | 2,527 |
| Return on Equity (ROE) | 7.1961% | 2,987 |
| Retained earnings to average equity (ytd only) | 6.6356% | 1,656 |
| Net charge-offs to loans | 0.3299% | 3,985 |
| Credit loss provision to net charge-offs | 141.7323% | 3,458 |
| Earnings coverage of net charge-offs (x) | 5.7795% | 2,735 |
| Efficiency ratio | 64.4810% | 5,664 |
| Assets per employee ($millions) | 2.9265% | 6,339 |
| Cash dividends to net income (ytd only)* | 7.7902% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 6,029 |
| Loan loss allowance to noncurrent loans | 78.3708% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.1262% | 4,824 |
| Noncurrent loans to loans | 1.3354% | 4,702 |
| Net loans and leases to total assets | 76.7174% | 1,843 |
| Net loans and leases to deposits | 89.9276% | 2,597 |
| Net loans and leases to core deposits | 121.7559% | 2,095 |
| Total domestic deposits to total assets | 85.3103% | 3,070 |
| Equity capital to assets | 9.7379% | 4,440 |
| Core capital (leverage) ratio | 9.7884% | 3,530 |
| Tier 1 risk-based capital ratio | 13.2222% | 4,036 |
| Total risk-based capital ratio | 14.3297% | 4,071 |
| Memoranda: | ||
| Average total assets | $132,889,750 | 4,301 |
| Average earning assets | $118,981,750 | 4,367 |
| Average equity | $13,080,750 | 4,515 |
| Average total loans | $102,651,250 | 3,916 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8059% | 3,017 |
| Cost of funding earning assets | 2.4909% | 1,646 |
| Net interest margin | 3.3150% | 5,494 |
| Noninterest income to average assets | 1.2380% | 1,007 |
| Noninterest expense to average assets | 2.7121% | 5,340 |
| Loan and lease loss provision to assets | 0.3198% | 4,027 |
| Net operating income to assets | 0.7523% | 3,032 |
| Return on assets (ROA) | 0.7523% | 3,138 |
| Pretax return on assets | 1.1832% | 2,352 |
| Return on Equity (ROE) | 7.6139% | 2,918 |
| Retained earnings to average equity (ytd only) | 6.7662% | 1,676 |
| Net charge-offs to loans | 0.2527% | 3,941 |
| Credit loss provision to net charge-offs | 164.0625% | 2,792 |
| Earnings coverage of net charge-offs (x) | 7.7109% | 2,403 |
| Efficiency ratio | 64.3425% | 5,840 |
| Assets per employee ($millions) | 2.8633% | 6,485 |
| Cash dividends to net income (ytd only)* | 11.1336% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 5,807 |
| Loan loss allowance to noncurrent loans | 179.6053% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 6,085 |
| Noncurrent loans to loans | 0.5937% | 6,068 |
| Net loans and leases to total assets | 75.2892% | 2,369 |
| Net loans and leases to deposits | 86.9400% | 3,367 |
| Net loans and leases to core deposits | 119.1820% | 2,437 |
| Total domestic deposits to total assets | 86.5991% | 2,453 |
| Equity capital to assets | 9.7925% | 4,222 |
| Core capital (leverage) ratio | 9.7151% | 3,613 |
| Tier 1 risk-based capital ratio | 13.4757% | 3,825 |
| Total risk-based capital ratio | 14.5978% | 3,839 |
| Memoranda: | ||
| Average total assets | $131,338,000 | 4,366 |
| Average earning assets | $117,949,670 | 4,413 |
| Average equity | $12,976,330 | 4,549 |
| Average total loans | $101,322,670 | 3,980 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8974% | 2,810 |
| Cost of funding earning assets | 2.5645% | 1,680 |
| Net interest margin | 3.3329% | 5,391 |
| Noninterest income to average assets | 1.1995% | 1,006 |
| Noninterest expense to average assets | 2.6919% | 5,048 |
| Loan and lease loss provision to assets | 0.2775% | 3,737 |
| Net operating income to assets | 0.7863% | 3,185 |
| Return on assets (ROA) | 0.7863% | 3,350 |
| Pretax return on assets | 1.2396% | 2,485 |
| Return on Equity (ROE) | 7.9220% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.9220% | 1,844 |
| Net charge-offs to loans | 0.1389% | 3,848 |
| Credit loss provision to net charge-offs | 257.1429% | 1,829 |
| Earnings coverage of net charge-offs (x) | 14.0571% | 1,694 |
| Efficiency ratio | 63.9560% | 5,695 |
| Assets per employee ($millions) | 2.9078% | 6,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 5,725 |
| Loan loss allowance to noncurrent loans | 148.9510% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6467% | 5,545 |
| Noncurrent loans to loans | 0.7142% | 5,630 |
| Net loans and leases to total assets | 74.0529% | 2,742 |
| Net loans and leases to deposits | 85.4131% | 3,734 |
| Net loans and leases to core deposits | 116.9447% | 2,687 |
| Total domestic deposits to total assets | 86.6998% | 2,363 |
| Equity capital to assets | 9.7154% | 4,357 |
| Core capital (leverage) ratio | 9.9524% | 3,453 |
| Tier 1 risk-based capital ratio | 13.5817% | 3,811 |
| Total risk-based capital ratio | 14.6996% | 3,816 |
| Memoranda: | ||
| Average total assets | $129,720,500 | 4,412 |
| Average earning assets | $117,136,000 | 4,454 |
| Average equity | $12,875,500 | 4,609 |
| Average total loans | $100,778,500 | 4,015 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3540% | 3,674 |
| Cost of funding earning assets | 2.9317% | 2,139 |
| Net interest margin | 3.4223% | 5,570 |
| Noninterest income to average assets | 0.7228% | 2,962 |
| Noninterest expense to average assets | 2.7895% | 4,866 |
| Loan and lease loss provision to assets | 0.3255% | 3,777 |
| Net operating income to assets | 0.4599% | 4,909 |
| Return on assets (ROA) | 0.4599% | 4,729 |
| Pretax return on assets | 0.7112% | 4,361 |
| Return on Equity (ROE) | 4.3743% | 4,643 |
| Retained earnings to average equity (ytd only) | 3.1438% | 3,199 |
| Net charge-offs to loans | 0.2869% | 3,486 |
| Credit loss provision to net charge-offs | 142.8571% | 3,703 |
| Earnings coverage of net charge-offs (x) | 4.5495% | 3,937 |
| Efficiency ratio | 72.9058% | 3,768 |
| Assets per employee ($millions) | 2.6184% | 6,969 |
| Cash dividends to net income (ytd only)* | 28.1307% | 4,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 6,100 |
| Loan loss allowance to noncurrent loans | 162.1188% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 5,426 |
| Noncurrent loans to loans | 0.6142% | 5,529 |
| Net loans and leases to total assets | 79.9075% | 1,685 |
| Net loans and leases to deposits | 92.9375% | 2,967 |
| Net loans and leases to core deposits | 125.1835% | 2,234 |
| Total domestic deposits to total assets | 85.9799% | 2,413 |
| Equity capital to assets | 10.1493% | 3,866 |
| Core capital (leverage) ratio | 10.1927% | 3,280 |
| Tier 1 risk-based capital ratio | 13.3561% | 3,894 |
| Total risk-based capital ratio | 14.4187% | 3,927 |
| Memoranda: | ||
| Average total assets | $119,804,600 | 4,526 |
| Average earning assets | $108,640,600 | 4,541 |
| Average equity | $12,596,200 | 4,675 |
| Average total loans | $95,143,800 | 4,075 |