Home > The Settlers Bank > Performance and Condition Ratios
The Settlers Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 2,014 |
| Cost of funding earning assets | 0.3977% | 4,299 |
| Net interest margin | 4.6331% | 506 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.3277% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8245% | 589 |
| Return on assets (ROA) | 1.8245% | 567 |
| Pretax return on assets | 2.2941% | 438 |
| Return on Equity (ROE) | 12.7900% | 1,781 |
| Retained earnings to average equity (ytd only) | 7.7046% | 1,628 |
| Net charge-offs to loans | -0.2116% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.3635% | 3,957 |
| Assets per employee ($millions) | 6.4739% | 2,432 |
| Cash dividends to net income (ytd only)* | 39.7656% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1592% | 299 |
| Loan loss allowance to noncurrent loans | 578.5211% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 2,131 |
| Noncurrent loans to loans | 0.3732% | 1,874 |
| Net loans and leases to total assets | 57.5000% | 3,077 |
| Net loans and leases to deposits | 67.9084% | 3,041 |
| Net loans and leases to core deposits | 69.4704% | 3,337 |
| Total domestic deposits to total assets | 84.6700% | 2,415 |
| Equity capital to assets | 15.0776% | 547 |
| Core capital (leverage) ratio | 15.4490% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $130,942,000 | 3,543 |
| Average earning assets | $123,460,200 | 3,512 |
| Average equity | $18,677,200 | 2,966 |
| Average total loans | $73,717,400 | 3,496 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9311% | 1,996 |
| Cost of funding earning assets | 0.3446% | 4,320 |
| Net interest margin | 4.5865% | 542 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.3517% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7739% | 700 |
| Return on assets (ROA) | 1.7739% | 686 |
| Pretax return on assets | 2.2318% | 534 |
| Return on Equity (ROE) | 12.6100% | 1,976 |
| Retained earnings to average equity (ytd only) | 7.9207% | 2,000 |
| Net charge-offs to loans | -0.2844% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.3070% | 3,809 |
| Assets per employee ($millions) | 6.3940% | 2,409 |
| Cash dividends to net income (ytd only)* | 37.2066% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2236% | 284 |
| Loan loss allowance to noncurrent loans | 907.7348% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 2,625 |
| Noncurrent loans to loans | 0.2450% | 2,371 |
| Net loans and leases to total assets | 56.5000% | 3,156 |
| Net loans and leases to deposits | 66.4319% | 3,094 |
| Net loans and leases to core deposits | 67.9662% | 3,328 |
| Total domestic deposits to total assets | 85.0400% | 2,484 |
| Equity capital to assets | 14.6958% | 564 |
| Core capital (leverage) ratio | 15.2124% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $131,308,250 | 3,546 |
| Average earning assets | $123,810,750 | 3,512 |
| Average equity | $18,466,000 | 2,969 |
| Average total loans | $73,123,500 | 3,513 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 2,064 |
| Cost of funding earning assets | 0.2932% | 4,324 |
| Net interest margin | 4.4759% | 632 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.3737% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6821% | 815 |
| Return on assets (ROA) | 1.6821% | 818 |
| Pretax return on assets | 2.1170% | 604 |
| Return on Equity (ROE) | 12.1400% | 2,110 |
| Retained earnings to average equity (ytd only) | 8.8686% | 1,717 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.8581% | 3,709 |
| Assets per employee ($millions) | 5.8101% | 2,874 |
| Cash dividends to net income (ytd only)* | 26.9300% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 413 |
| Loan loss allowance to noncurrent loans | 1,472.2772% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 2,981 |
| Noncurrent loans to loans | 0.1361% | 2,790 |
| Net loans and leases to total assets | 56.8900% | 3,056 |
| Net loans and leases to deposits | 66.8349% | 3,010 |
| Net loans and leases to core deposits | 68.5512% | 3,205 |
| Total domestic deposits to total assets | 85.1200% | 2,509 |
| Equity capital to assets | 14.6108% | 563 |
| Core capital (leverage) ratio | 15.0691% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $132,451,000 | 3,547 |
| Average earning assets | $124,847,333 | 3,510 |
| Average equity | $18,357,000 | 2,994 |
| Average total loans | $72,868,333 | 3,522 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 2,224 |
| Cost of funding earning assets | 0.2394% | 4,310 |
| Net interest margin | 4.2997% | 807 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.4725% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4930% | 1,199 |
| Return on assets (ROA) | 1.4930% | 1,179 |
| Pretax return on assets | 1.8818% | 933 |
| Return on Equity (ROE) | 11.0600% | 2,475 |
| Retained earnings to average equity (ytd only) | 7.7593% | 2,298 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.7825% | 3,324 |
| Assets per employee ($millions) | 5.7190% | 3,011 |
| Cash dividends to net income (ytd only)* | 29.8211% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0918% | 382 |
| Loan loss allowance to noncurrent loans | 1,835.8025% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 3,169 |
| Noncurrent loans to loans | 0.1139% | 2,952 |
| Net loans and leases to total assets | 52.9100% | 3,285 |
| Net loans and leases to deposits | 61.8416% | 3,236 |
| Net loans and leases to core deposits | 63.3928% | 3,372 |
| Total domestic deposits to total assets | 85.5600% | 2,704 |
| Equity capital to assets | 14.0697% | 589 |
| Core capital (leverage) ratio | 14.2143% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $134,765,000 | 3,570 |
| Average earning assets | $126,985,500 | 3,540 |
| Average equity | $18,197,500 | 3,034 |
| Average total loans | $72,201,500 | 3,565 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3443% | 3,487 |
| Cost of funding earning assets | 0.2751% | 3,095 |
| Net interest margin | 3.0692% | 3,265 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.9888% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0783% | 2,268 |
| Return on assets (ROA) | 1.0783% | 2,212 |
| Pretax return on assets | 1.1410% | 2,636 |
| Return on Equity (ROE) | 8.6800% | 3,205 |
| Retained earnings to average equity (ytd only) | 5.2778% | 2,935 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.5442% | 2,562 |
| Assets per employee ($millions) | 7.2627% | 1,779 |
| Cash dividends to net income (ytd only)* | 39.2157% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0282% | 411 |
| Loan loss allowance to noncurrent loans | 721.8447% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 2,496 |
| Noncurrent loans to loans | 0.2810% | 2,144 |
| Net loans and leases to total assets | 52.0500% | 3,353 |
| Net loans and leases to deposits | 59.9533% | 3,327 |
| Net loans and leases to core deposits | 62.3173% | 3,371 |
| Total domestic deposits to total assets | 86.8200% | 2,453 |
| Equity capital to assets | 12.9631% | 716 |
| Core capital (leverage) ratio | 13.2794% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $141,895,000 | 3,519 |
| Average earning assets | $134,495,600 | 3,481 |
| Average equity | $17,621,000 | 3,156 |
| Average total loans | $74,066,800 | 3,503 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9840% | 3,912 |
| Cost of funding earning assets | 0.2809% | 2,375 |
| Net interest margin | 2.7031% | 3,920 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.9682% | 3,562 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7970% | 3,276 |
| Return on assets (ROA) | 0.7970% | 3,230 |
| Pretax return on assets | 0.8194% | 3,532 |
| Return on Equity (ROE) | 6.4900% | 3,688 |
| Retained earnings to average equity (ytd only) | 3.2584% | 3,710 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.6060% | 1,692 |
| Assets per employee ($millions) | 6.6626% | 2,188 |
| Cash dividends to net income (ytd only)* | 49.7658% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0316% | 480 |
| Loan loss allowance to noncurrent loans | 947.1338% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 2,842 |
| Noncurrent loans to loans | 0.2145% | 2,536 |
| Net loans and leases to total assets | 51.2500% | 3,364 |
| Net loans and leases to deposits | 58.6720% | 3,297 |
| Net loans and leases to core deposits | 61.6269% | 3,260 |
| Total domestic deposits to total assets | 87.3500% | 2,644 |
| Equity capital to assets | 12.4577% | 781 |
| Core capital (leverage) ratio | 12.7500% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $142,870,750 | 3,534 |
| Average earning assets | $135,742,000 | 3,489 |
| Average equity | $17,554,250 | 3,193 |
| Average total loans | $74,254,250 | 3,515 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7006% | 4,140 |
| Cost of funding earning assets | 0.2866% | 1,832 |
| Net interest margin | 2.4141% | 4,213 |
| Noninterest income to average assets | 0.2183% | 3,888 |
| Noninterest expense to average assets | 1.9144% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5658% | 3,714 |
| Return on assets (ROA) | 0.5658% | 3,664 |
| Pretax return on assets | 0.5992% | 3,818 |
| Return on Equity (ROE) | 4.6261% | 3,886 |
| Retained earnings to average equity (ytd only) | 3.2053% | 3,383 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1615% | 1,262 |
| Assets per employee ($millions) | 6.3565% | 2,433 |
| Cash dividends to net income (ytd only)* | 30.7125% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0439% | 508 |
| Loan loss allowance to noncurrent loans | 400.8086% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 1,983 |
| Noncurrent loans to loans | 0.5099% | 1,603 |
| Net loans and leases to total assets | 50.9618% | 3,265 |
| Net loans and leases to deposits | 58.4266% | 3,183 |
| Net loans and leases to core deposits | 61.3805% | 3,169 |
| Total domestic deposits to total assets | 87.2236% | 2,861 |
| Equity capital to assets | 12.5933% | 743 |
| Core capital (leverage) ratio | 12.6957% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,856,333 | 3,568 |
| Average earning assets | $136,782,000 | 3,528 |
| Average equity | $17,595,667 | 3,267 |
| Average total loans | $74,608,000 | 3,540 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4904% | 4,274 |
| Cost of funding earning assets | 0.2911% | 1,737 |
| Net interest margin | 2.1993% | 4,351 |
| Noninterest income to average assets | 0.2084% | 3,912 |
| Noninterest expense to average assets | 1.8895% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3455% | 4,064 |
| Return on assets (ROA) | 0.3455% | 4,028 |
| Pretax return on assets | 0.4113% | 4,014 |
| Return on Equity (ROE) | 2.8656% | 4,120 |
| Retained earnings to average equity (ytd only) | 0.0227% | 4,009 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1216% | 977 |
| Assets per employee ($millions) | 6.8128% | 2,131 |
| Cash dividends to net income (ytd only)* | 99.2063% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9981% | 617 |
| Loan loss allowance to noncurrent loans | 238.6838% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 1,398 |
| Noncurrent loans to loans | 0.8371% | 1,120 |
| Net loans and leases to total assets | 50.9786% | 3,072 |
| Net loans and leases to deposits | 58.2238% | 3,055 |
| Net loans and leases to core deposits | 61.0781% | 3,056 |
| Total domestic deposits to total assets | 87.5563% | 2,723 |
| Equity capital to assets | 12.2403% | 876 |
| Core capital (leverage) ratio | 12.0538% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,862,500 | 3,556 |
| Average earning assets | $138,774,000 | 3,513 |
| Average equity | $17,588,000 | 3,354 |
| Average total loans | $75,535,000 | 3,533 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9273% | 4,010 |
| Cost of funding earning assets | 0.3436% | 2,000 |
| Net interest margin | 2.5837% | 4,072 |
| Noninterest income to average assets | 0.2215% | 4,042 |
| Noninterest expense to average assets | 1.8901% | 3,940 |
| Loan and lease loss provision to assets | 0.0417% | 2,219 |
| Net operating income to assets | 0.6173% | 3,834 |
| Return on assets (ROA) | 0.6173% | 3,881 |
| Pretax return on assets | 0.7388% | 3,857 |
| Return on Equity (ROE) | 5.0541% | 3,988 |
| Retained earnings to average equity (ytd only) | 0.8471% | 4,297 |
| Net charge-offs to loans | 0.2850% | 313 |
| Credit loss provision to net charge-offs | 25.7511% | 2,256 |
| Earnings coverage of net charge-offs (x) | 4.8240% | 2,480 |
| Efficiency ratio | 70.7748% | 1,647 |
| Assets per employee ($millions) | 7.0789% | 1,878 |
| Cash dividends to net income (ytd only)* | 83.2396% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 670 |
| Loan loss allowance to noncurrent loans | 334.9099% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 2,045 |
| Noncurrent loans to loans | 0.5793% | 1,691 |
| Net loans and leases to total assets | 50.5607% | 3,215 |
| Net loans and leases to deposits | 57.9310% | 3,263 |
| Net loans and leases to core deposits | 60.6605% | 3,269 |
| Total domestic deposits to total assets | 87.2774% | 2,398 |
| Equity capital to assets | 11.8824% | 1,305 |
| Core capital (leverage) ratio | 11.8964% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,013,000 | 3,545 |
| Average earning assets | $136,509,200 | 3,512 |
| Average equity | $17,589,600 | 3,419 |
| Average total loans | $81,754,600 | 3,444 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8949% | 4,183 |
| Cost of funding earning assets | 0.3518% | 2,103 |
| Net interest margin | 2.5432% | 4,213 |
| Noninterest income to average assets | 0.2231% | 4,071 |
| Noninterest expense to average assets | 1.9171% | 3,899 |
| Loan and lease loss provision to assets | 0.0469% | 2,063 |
| Net operating income to assets | 0.5329% | 4,137 |
| Return on assets (ROA) | 0.5329% | 4,183 |
| Pretax return on assets | 0.6683% | 4,124 |
| Return on Equity (ROE) | 4.3328% | 4,253 |
| Retained earnings to average equity (ytd only) | 0.1214% | 4,545 |
| Net charge-offs to loans | 0.0434% | 1,239 |
| Credit loss provision to net charge-offs | 185.1852% | 1,244 |
| Earnings coverage of net charge-offs (x) | 28.3704% | 1,551 |
| Efficiency ratio | 72.8369% | 1,333 |
| Assets per employee ($millions) | 6.8303% | 1,999 |
| Cash dividends to net income (ytd only)* | 97.1979% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0734% | 565 |
| Loan loss allowance to noncurrent loans | 153.1392% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 941 |
| Noncurrent loans to loans | 1.3539% | 792 |
| Net loans and leases to total assets | 55.4171% | 2,802 |
| Net loans and leases to deposits | 63.8268% | 2,871 |
| Net loans and leases to core deposits | 67.6528% | 2,809 |
| Total domestic deposits to total assets | 86.8241% | 2,421 |
| Equity capital to assets | 12.2452% | 1,290 |
| Core capital (leverage) ratio | 12.1383% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,852,000 | 3,593 |
| Average earning assets | $135,314,250 | 3,564 |
| Average equity | $17,571,000 | 3,463 |
| Average total loans | $83,031,000 | 3,474 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9288% | 4,179 |
| Cost of funding earning assets | 0.3605% | 2,227 |
| Net interest margin | 2.5682% | 4,217 |
| Noninterest income to average assets | 0.2215% | 4,080 |
| Noninterest expense to average assets | 1.9347% | 3,875 |
| Loan and lease loss provision to assets | 0.0547% | 1,942 |
| Net operating income to assets | 0.5271% | 4,166 |
| Return on assets (ROA) | 0.5271% | 4,210 |
| Pretax return on assets | 0.6589% | 4,146 |
| Return on Equity (ROE) | 4.2792% | 4,282 |
| Retained earnings to average equity (ytd only) | 0.1821% | 4,481 |
| Net charge-offs to loans | 0.0574% | 1,039 |
| Credit loss provision to net charge-offs | 162.5000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 21.2083% | 1,511 |
| Efficiency ratio | 73.0545% | 1,334 |
| Assets per employee ($millions) | 7.4828% | 1,489 |
| Cash dividends to net income (ytd only)* | 95.7447% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0450% | 558 |
| Loan loss allowance to noncurrent loans | 152.4113% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 1,063 |
| Noncurrent loans to loans | 1.3417% | 871 |
| Net loans and leases to total assets | 56.4337% | 2,848 |
| Net loans and leases to deposits | 65.0743% | 2,891 |
| Net loans and leases to core deposits | 69.0054% | 2,861 |
| Total domestic deposits to total assets | 86.7219% | 2,463 |
| Equity capital to assets | 12.3616% | 1,196 |
| Core capital (leverage) ratio | 12.0960% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,657,333 | 3,604 |
| Average earning assets | $134,800,333 | 3,573 |
| Average equity | $17,573,333 | 3,469 |
| Average total loans | $83,651,000 | 3,485 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9693% | 4,151 |
| Cost of funding earning assets | 0.3686% | 2,366 |
| Net interest margin | 2.6007% | 4,149 |
| Noninterest income to average assets | 0.2211% | 4,056 |
| Noninterest expense to average assets | 2.0210% | 3,654 |
| Loan and lease loss provision to assets | 0.0560% | 1,994 |
| Net operating income to assets | 0.4815% | 4,205 |
| Return on assets (ROA) | 0.4815% | 4,244 |
| Pretax return on assets | 0.5934% | 4,201 |
| Return on Equity (ROE) | 3.9152% | 4,299 |
| Retained earnings to average equity (ytd only) | 0.2732% | 4,334 |
| Net charge-offs to loans | 0.1183% | 599 |
| Credit loss provision to net charge-offs | 80.0000% | 1,208 |
| Earnings coverage of net charge-offs (x) | 9.2800% | 1,545 |
| Efficiency ratio | 75.6813% | 1,164 |
| Assets per employee ($millions) | 7.5303% | 1,435 |
| Cash dividends to net income (ytd only)* | 93.0233% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9904% | 607 |
| Loan loss allowance to noncurrent loans | 151.1416% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 1,192 |
| Noncurrent loans to loans | 1.3169% | 988 |
| Net loans and leases to total assets | 56.9592% | 2,914 |
| Net loans and leases to deposits | 65.6329% | 2,958 |
| Net loans and leases to core deposits | 69.7206% | 2,893 |
| Total domestic deposits to total assets | 86.7846% | 2,400 |
| Equity capital to assets | 12.2648% | 1,167 |
| Core capital (leverage) ratio | 12.2915% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,899,000 | 3,606 |
| Average earning assets | $134,577,000 | 3,579 |
| Average equity | $17,572,500 | 3,467 |
| Average total loans | $84,522,000 | 3,489 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6645% | 3,666 |
| Cost of funding earning assets | 0.4853% | 3,044 |
| Net interest margin | 3.1792% | 3,411 |
| Noninterest income to average assets | 0.2433% | 4,032 |
| Noninterest expense to average assets | 2.0648% | 4,012 |
| Loan and lease loss provision to assets | 0.1090% | 2,984 |
| Net operating income to assets | 0.8359% | 2,955 |
| Return on assets (ROA) | 0.8359% | 3,084 |
| Pretax return on assets | 1.0673% | 2,826 |
| Return on Equity (ROE) | 6.5093% | 3,403 |
| Retained earnings to average equity (ytd only) | 3.3904% | 3,127 |
| Net charge-offs to loans | 0.0337% | 2,372 |
| Credit loss provision to net charge-offs | 474.1935% | 1,301 |
| Earnings coverage of net charge-offs (x) | 51.1613% | 1,177 |
| Efficiency ratio | 63.7071% | 2,865 |
| Assets per employee ($millions) | 6.7963% | 1,711 |
| Cash dividends to net income (ytd only)* | 47.9148% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9326% | 672 |
| Loan loss allowance to noncurrent loans | 144.5993% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.8997% | 1,100 |
| Noncurrent loans to loans | 1.3365% | 1,014 |
| Net loans and leases to total assets | 59.0196% | 2,977 |
| Net loans and leases to deposits | 68.0321% | 3,073 |
| Net loans and leases to core deposits | 72.2654% | 3,047 |
| Total domestic deposits to total assets | 86.7526% | 2,055 |
| Equity capital to assets | 12.3296% | 1,405 |
| Core capital (leverage) ratio | 12.6571% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,831,800 | 3,567 |
| Average earning assets | $127,138,000 | 3,543 |
| Average equity | $17,313,800 | 3,431 |
| Average total loans | $91,883,200 | 3,372 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8054% | 3,556 |
| Cost of funding earning assets | 0.5072% | 3,175 |
| Net interest margin | 3.2982% | 3,202 |
| Noninterest income to average assets | 0.2439% | 4,021 |
| Noninterest expense to average assets | 2.0994% | 3,947 |
| Loan and lease loss provision to assets | 0.1054% | 3,000 |
| Net operating income to assets | 0.9082% | 2,660 |
| Return on assets (ROA) | 0.9082% | 2,796 |
| Pretax return on assets | 1.1581% | 2,534 |
| Return on Equity (ROE) | 6.9978% | 3,201 |
| Retained earnings to average equity (ytd only) | 4.2142% | 2,939 |
| Net charge-offs to loans | 0.0414% | 2,033 |
| Credit loss provision to net charge-offs | 362.0690% | 1,568 |
| Earnings coverage of net charge-offs (x) | 43.4138% | 1,298 |
| Efficiency ratio | 62.4291% | 3,003 |
| Assets per employee ($millions) | 6.4560% | 1,871 |
| Cash dividends to net income (ytd only)* | 39.7790% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8103% | 707 |
| Loan loss allowance to noncurrent loans | 142.1053% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9412% | 1,206 |
| Noncurrent loans to loans | 1.2739% | 1,173 |
| Net loans and leases to total assets | 64.8128% | 2,659 |
| Net loans and leases to deposits | 75.3318% | 2,813 |
| Net loans and leases to core deposits | 81.1237% | 2,741 |
| Total domestic deposits to total assets | 86.0365% | 2,052 |
| Equity capital to assets | 12.9375% | 1,211 |
| Core capital (leverage) ratio | 12.5065% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,859,250 | 3,578 |
| Average earning assets | $125,643,000 | 3,545 |
| Average equity | $17,243,000 | 3,443 |
| Average total loans | $93,380,500 | 3,356 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 3,469 |
| Cost of funding earning assets | 0.5264% | 3,376 |
| Net interest margin | 3.4217% | 3,031 |
| Noninterest income to average assets | 0.2380% | 4,052 |
| Noninterest expense to average assets | 2.1098% | 4,008 |
| Loan and lease loss provision to assets | 0.0940% | 3,098 |
| Net operating income to assets | 0.9988% | 2,336 |
| Return on assets (ROA) | 0.9988% | 2,458 |
| Pretax return on assets | 1.2656% | 2,139 |
| Return on Equity (ROE) | 7.6878% | 2,866 |
| Retained earnings to average equity (ytd only) | 4.8880% | 2,526 |
| Net charge-offs to loans | 0.0655% | 1,589 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 28.9355% | 1,461 |
| Efficiency ratio | 60.8126% | 3,305 |
| Assets per employee ($millions) | 6.6903% | 1,643 |
| Cash dividends to net income (ytd only)* | 36.4188% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 820 |
| Loan loss allowance to noncurrent loans | 141.8919% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 1,385 |
| Noncurrent loans to loans | 1.1951% | 1,313 |
| Net loans and leases to total assets | 64.9886% | 2,753 |
| Net loans and leases to deposits | 75.1016% | 2,960 |
| Net loans and leases to core deposits | 80.7798% | 2,891 |
| Total domestic deposits to total assets | 86.5342% | 1,793 |
| Equity capital to assets | 12.3746% | 1,439 |
| Core capital (leverage) ratio | 12.6242% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,954,000 | 3,577 |
| Average earning assets | $124,615,333 | 3,538 |
| Average equity | $17,144,000 | 3,457 |
| Average total loans | $94,677,333 | 3,321 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 2,994 |
| Cost of funding earning assets | 0.5486% | 3,702 |
| Net interest margin | 3.7270% | 2,230 |
| Noninterest income to average assets | 0.2475% | 4,074 |
| Noninterest expense to average assets | 2.2086% | 3,986 |
| Loan and lease loss provision to assets | 0.0595% | 3,023 |
| Net operating income to assets | 1.1748% | 1,604 |
| Return on assets (ROA) | 1.1748% | 1,722 |
| Pretax return on assets | 1.4912% | 1,328 |
| Return on Equity (ROE) | 8.8116% | 2,188 |
| Retained earnings to average equity (ytd only) | 5.9919% | 1,874 |
| Net charge-offs to loans | -0.0084% | 4,010 |
| Credit loss provision to net charge-offs | -950.0000% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7500% | 3,904 |
| Assets per employee ($millions) | 6.0361% | 1,648 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 974 |
| Loan loss allowance to noncurrent loans | 138.3731% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0461% | 1,252 |
| Noncurrent loans to loans | 1.1866% | 1,384 |
| Net loans and leases to total assets | 73.9598% | 1,611 |
| Net loans and leases to deposits | 86.7774% | 1,902 |
| Net loans and leases to core deposits | 94.2012% | 1,955 |
| Total domestic deposits to total assets | 85.2293% | 2,318 |
| Equity capital to assets | 13.5258% | 1,210 |
| Core capital (leverage) ratio | 13.4378% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,682,500 | 3,608 |
| Average earning assets | $120,312,000 | 3,577 |
| Average equity | $17,023,000 | 3,469 |
| Average total loans | $95,575,000 | 3,289 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6282% | 2,525 |
| Cost of funding earning assets | 0.5243% | 3,991 |
| Net interest margin | 4.1039% | 1,532 |
| Noninterest income to average assets | 0.2764% | 4,025 |
| Noninterest expense to average assets | 2.2864% | 3,974 |
| Loan and lease loss provision to assets | 0.0892% | 2,236 |
| Net operating income to assets | 1.4228% | 1,267 |
| Return on assets (ROA) | 1.4228% | 1,340 |
| Pretax return on assets | 1.7682% | 1,026 |
| Return on Equity (ROE) | 10.7873% | 1,970 |
| Retained earnings to average equity (ytd only) | 5.3602% | 2,242 |
| Net charge-offs to loans | 0.0073% | 3,416 |
| Credit loss provision to net charge-offs | 1,585.7143% | 229 |
| Earnings coverage of net charge-offs (x) | 330.2857% | 263 |
| Efficiency ratio | 55.1764% | 4,305 |
| Assets per employee ($millions) | 5.5916% | 1,982 |
| Cash dividends to net income (ytd only)* | 50.3106% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 957 |
| Loan loss allowance to noncurrent loans | 148.8910% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 1,608 |
| Noncurrent loans to loans | 1.0821% | 1,396 |
| Net loans and leases to total assets | 73.3172% | 1,873 |
| Net loans and leases to deposits | 85.5224% | 2,152 |
| Net loans and leases to core deposits | 92.1972% | 2,219 |
| Total domestic deposits to total assets | 85.7286% | 2,172 |
| Equity capital to assets | 13.1416% | 1,439 |
| Core capital (leverage) ratio | 13.1313% | 1,186 |
| Tier 1 risk-based capital ratio | 21.2996% | 1,114 |
| Total risk-based capital ratio | 22.5583% | 1,096 |
| Memoranda: | ||
| Average total assets | $124,474,600 | 3,635 |
| Average earning assets | $117,302,600 | 3,597 |
| Average equity | $16,417,400 | 3,509 |
| Average total loans | $96,130,200 | 3,276 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 2,417 |
| Cost of funding earning assets | 0.5233% | 4,057 |
| Net interest margin | 4.1771% | 1,424 |
| Noninterest income to average assets | 0.2700% | 4,125 |
| Noninterest expense to average assets | 2.2985% | 3,957 |
| Loan and lease loss provision to assets | 0.0950% | 2,015 |
| Net operating income to assets | 1.4506% | 1,329 |
| Return on assets (ROA) | 1.4506% | 1,387 |
| Pretax return on assets | 1.8081% | 1,073 |
| Return on Equity (ROE) | 10.9878% | 2,019 |
| Retained earnings to average equity (ytd only) | 5.2935% | 2,738 |
| Net charge-offs to loans | 0.0111% | 2,969 |
| Credit loss provision to net charge-offs | 1,100.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 220.1753% | 416 |
| Efficiency ratio | 54.7044% | 4,310 |
| Assets per employee ($millions) | 5.5080% | 2,023 |
| Cash dividends to net income (ytd only)* | 51.8245% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 1,013 |
| Loan loss allowance to noncurrent loans | 184.4660% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 2,062 |
| Noncurrent loans to loans | 0.8609% | 1,862 |
| Net loans and leases to total assets | 74.3537% | 1,740 |
| Net loans and leases to deposits | 86.7533% | 2,096 |
| Net loans and leases to core deposits | 92.9229% | 2,275 |
| Total domestic deposits to total assets | 85.7071% | 2,119 |
| Equity capital to assets | 13.1610% | 1,535 |
| Core capital (leverage) ratio | 13.4289% | 1,156 |
| Tier 1 risk-based capital ratio | 21.0541% | 1,188 |
| Total risk-based capital ratio | 22.3119% | 1,168 |
| Memoranda: | ||
| Average total assets | $123,441,500 | 3,685 |
| Average earning assets | $116,186,500 | 3,651 |
| Average equity | $16,296,500 | 3,546 |
| Average total loans | $96,204,000 | 3,320 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7209% | 2,301 |
| Cost of funding earning assets | 0.5114% | 4,066 |
| Net interest margin | 4.2094% | 1,339 |
| Noninterest income to average assets | 0.2648% | 4,166 |
| Noninterest expense to average assets | 2.3112% | 3,977 |
| Loan and lease loss provision to assets | 0.0997% | 1,876 |
| Net operating income to assets | 1.4564% | 1,278 |
| Return on assets (ROA) | 1.4564% | 1,333 |
| Pretax return on assets | 1.8225% | 985 |
| Return on Equity (ROE) | 11.0197% | 1,960 |
| Retained earnings to average equity (ytd only) | 5.2811% | 2,628 |
| Net charge-offs to loans | 0.0187% | 2,499 |
| Credit loss provision to net charge-offs | 677.7778% | 478 |
| Earnings coverage of net charge-offs (x) | 130.6667% | 562 |
| Efficiency ratio | 54.5946% | 4,402 |
| Assets per employee ($millions) | 5.7916% | 1,702 |
| Cash dividends to net income (ytd only)* | 52.0763% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 1,111 |
| Loan loss allowance to noncurrent loans | 175.7362% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.6981% | 1,965 |
| Noncurrent loans to loans | 0.8900% | 1,832 |
| Net loans and leases to total assets | 77.2091% | 1,354 |
| Net loans and leases to deposits | 90.5116% | 1,683 |
| Net loans and leases to core deposits | 97.2454% | 1,951 |
| Total domestic deposits to total assets | 85.3029% | 2,344 |
| Equity capital to assets | 13.5213% | 1,309 |
| Core capital (leverage) ratio | 13.4579% | 1,132 |
| Tier 1 risk-based capital ratio | 21.0438% | 1,170 |
| Total risk-based capital ratio | 22.3024% | 1,157 |
| Memoranda: | ||
| Average total assets | $122,360,330 | 3,717 |
| Average earning assets | $115,359,670 | 3,685 |
| Average equity | $16,171,000 | 3,552 |
| Average total loans | $96,367,000 | 3,334 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 2,229 |
| Cost of funding earning assets | 0.4841% | 4,132 |
| Net interest margin | 4.2153% | 1,274 |
| Noninterest income to average assets | 0.2575% | 4,167 |
| Noninterest expense to average assets | 2.3662% | 3,856 |
| Loan and lease loss provision to assets | 0.1010% | 1,739 |
| Net operating income to assets | 1.3982% | 1,385 |
| Return on assets (ROA) | 1.3982% | 1,416 |
| Pretax return on assets | 1.7632% | 1,067 |
| Return on Equity (ROE) | 10.7023% | 2,083 |
| Retained earnings to average equity (ytd only) | 4.9146% | 2,943 |
| Net charge-offs to loans | 0.0454% | 1,626 |
| Credit loss provision to net charge-offs | 281.8182% | 860 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 1,001 |
| Efficiency ratio | 55.9322% | 4,347 |
| Assets per employee ($millions) | 5.8426% | 1,670 |
| Cash dividends to net income (ytd only)* | 54.0793% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,286 |
| Loan loss allowance to noncurrent loans | 112.2214% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.0604% | 1,306 |
| Noncurrent loans to loans | 1.3501% | 1,202 |
| Net loans and leases to total assets | 77.3512% | 1,264 |
| Net loans and leases to deposits | 90.4470% | 1,574 |
| Net loans and leases to core deposits | 97.0697% | 1,850 |
| Total domestic deposits to total assets | 85.5210% | 2,475 |
| Equity capital to assets | 13.1676% | 1,362 |
| Core capital (leverage) ratio | 13.2084% | 1,183 |
| Tier 1 risk-based capital ratio | 20.4737% | 1,250 |
| Total risk-based capital ratio | 21.7308% | 1,229 |
| Memoranda: | ||
| Average total assets | $122,729,000 | 3,756 |
| Average earning assets | $115,675,000 | 3,720 |
| Average equity | $16,034,000 | 3,580 |
| Average total loans | $96,852,500 | 3,368 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 2,541 |
| Cost of funding earning assets | 0.3675% | 4,179 |
| Net interest margin | 4.1053% | 1,665 |
| Noninterest income to average assets | 0.2674% | 4,322 |
| Noninterest expense to average assets | 2.1240% | 4,511 |
| Loan and lease loss provision to assets | 0.1635% | 1,241 |
| Net operating income to assets | 1.4450% | 1,293 |
| Return on assets (ROA) | 1.4450% | 1,281 |
| Pretax return on assets | 1.8494% | 810 |
| Return on Equity (ROE) | 11.5207% | 1,893 |
| Retained earnings to average equity (ytd only) | 5.3558% | 2,553 |
| Net charge-offs to loans | 0.2057% | 930 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 12.3103% | 2,543 |
| Efficiency ratio | 51.3435% | 4,856 |
| Assets per employee ($millions) | 5.8459% | 1,632 |
| Cash dividends to net income (ytd only)* | 53.5117% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 1,354 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 1,459 |
| Noncurrent loans to loans | 1.1835% | 1,356 |
| Net loans and leases to total assets | 78.1172% | 1,257 |
| Net loans and leases to deposits | 91.0082% | 1,668 |
| Net loans and leases to core deposits | 97.9281% | 1,870 |
| Total domestic deposits to total assets | 85.8353% | 2,313 |
| Equity capital to assets | 12.9616% | 1,363 |
| Core capital (leverage) ratio | 12.9299% | 1,278 |
| Tier 1 risk-based capital ratio | 20.0005% | 1,306 |
| Total risk-based capital ratio | 21.2574% | 1,279 |
| Memoranda: | ||
| Average total assets | $124,151,000 | 3,727 |
| Average earning assets | $117,020,000 | 3,699 |
| Average equity | $15,572,000 | 3,563 |
| Average total loans | $98,687,400 | 3,331 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 2,585 |
| Cost of funding earning assets | 0.3464% | 4,203 |
| Net interest margin | 4.0667% | 1,734 |
| Noninterest income to average assets | 0.2667% | 4,366 |
| Noninterest expense to average assets | 2.1140% | 4,517 |
| Loan and lease loss provision to assets | 0.1307% | 1,543 |
| Net operating income to assets | 1.4575% | 1,306 |
| Return on assets (ROA) | 1.4575% | 1,304 |
| Pretax return on assets | 1.8570% | 893 |
| Return on Equity (ROE) | 11.7171% | 1,899 |
| Retained earnings to average equity (ytd only) | 6.8959% | 2,179 |
| Net charge-offs to loans | 0.2585% | 647 |
| Credit loss provision to net charge-offs | 63.5417% | 2,707 |
| Earnings coverage of net charge-offs (x) | 9.6668% | 2,630 |
| Efficiency ratio | 51.5405% | 4,850 |
| Assets per employee ($millions) | 5.9051% | 1,572 |
| Cash dividends to net income (ytd only)* | 41.1464% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 1,716 |
| Loan loss allowance to noncurrent loans | 125.8035% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8782% | 1,678 |
| Noncurrent loans to loans | 1.1095% | 1,532 |
| Net loans and leases to total assets | 78.0424% | 1,340 |
| Net loans and leases to deposits | 90.7053% | 1,802 |
| Net loans and leases to core deposits | 97.5260% | 1,976 |
| Total domestic deposits to total assets | 86.0395% | 2,171 |
| Equity capital to assets | 12.7727% | 1,434 |
| Core capital (leverage) ratio | 12.9194% | 1,315 |
| Tier 1 risk-based capital ratio | 19.6944% | 1,401 |
| Total risk-based capital ratio | 20.9495% | 1,367 |
| Memoranda: | ||
| Average total assets | $124,498,000 | 3,758 |
| Average earning assets | $117,405,750 | 3,731 |
| Average equity | $15,487,000 | 3,600 |
| Average total loans | $99,024,500 | 3,339 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,676 |
| Cost of funding earning assets | 0.3284% | 4,215 |
| Net interest margin | 3.9980% | 1,871 |
| Noninterest income to average assets | 0.2679% | 4,396 |
| Noninterest expense to average assets | 2.0969% | 4,614 |
| Loan and lease loss provision to assets | 0.0738% | 2,412 |
| Net operating income to assets | 1.4808% | 1,198 |
| Return on assets (ROA) | 1.4808% | 1,199 |
| Pretax return on assets | 1.8675% | 846 |
| Return on Equity (ROE) | 12.0107% | 1,718 |
| Retained earnings to average equity (ytd only) | 7.5864% | 1,805 |
| Net charge-offs to loans | 0.3887% | 406 |
| Credit loss provision to net charge-offs | 23.8342% | 2,665 |
| Earnings coverage of net charge-offs (x) | 6.2694% | 2,644 |
| Efficiency ratio | 51.9269% | 4,900 |
| Assets per employee ($millions) | 5.8993% | 1,547 |
| Cash dividends to net income (ytd only)* | 36.8364% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 2,088 |
| Loan loss allowance to noncurrent loans | 125.6560% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.8306% | 1,800 |
| Noncurrent loans to loans | 1.0475% | 1,675 |
| Net loans and leases to total assets | 78.2534% | 1,272 |
| Net loans and leases to deposits | 90.6833% | 1,753 |
| Net loans and leases to core deposits | 96.7399% | 1,992 |
| Total domestic deposits to total assets | 86.2930% | 2,144 |
| Equity capital to assets | 12.6310% | 1,472 |
| Core capital (leverage) ratio | 12.6816% | 1,354 |
| Tier 1 risk-based capital ratio | 19.3607% | 1,464 |
| Total risk-based capital ratio | 20.6140% | 1,425 |
| Memoranda: | ||
| Average total assets | $124,661,670 | 3,781 |
| Average earning assets | $117,557,330 | 3,752 |
| Average equity | $15,369,670 | 3,633 |
| Average total loans | $99,316,670 | 3,346 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 2,872 |
| Cost of funding earning assets | 0.3223% | 4,186 |
| Net interest margin | 3.8814% | 2,117 |
| Noninterest income to average assets | 0.2751% | 4,329 |
| Noninterest expense to average assets | 2.0728% | 4,718 |
| Loan and lease loss provision to assets | 0.0320% | 3,081 |
| Net operating income to assets | 1.4330% | 1,246 |
| Return on assets (ROA) | 1.4330% | 1,255 |
| Pretax return on assets | 1.8297% | 856 |
| Return on Equity (ROE) | 11.7659% | 1,663 |
| Retained earnings to average equity (ytd only) | 7.3011% | 2,148 |
| Net charge-offs to loans | -0.0601% | 5,052 |
| Credit loss provision to net charge-offs | -66.6667% | 3,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6829% | 4,907 |
| Assets per employee ($millions) | 6.2865% | 1,319 |
| Cash dividends to net income (ytd only)* | 37.9464% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 1,585 |
| Loan loss allowance to noncurrent loans | 106.2364% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.0968% | 1,414 |
| Noncurrent loans to loans | 1.3821% | 1,291 |
| Net loans and leases to total assets | 78.1928% | 1,213 |
| Net loans and leases to deposits | 90.3270% | 1,654 |
| Net loans and leases to core deposits | 96.8906% | 1,911 |
| Total domestic deposits to total assets | 86.5663% | 2,281 |
| Equity capital to assets | 12.2048% | 1,659 |
| Core capital (leverage) ratio | 12.4434% | 1,416 |
| Tier 1 risk-based capital ratio | 18.4312% | 1,714 |
| Total risk-based capital ratio | 19.6874% | 1,675 |
| Memoranda: | ||
| Average total assets | $125,049,500 | 3,814 |
| Average earning assets | $117,895,500 | 3,784 |
| Average equity | $15,230,500 | 3,679 |
| Average total loans | $99,856,000 | 3,362 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 2,626 |
| Cost of funding earning assets | 0.3255% | 3,912 |
| Net interest margin | 3.8903% | 2,117 |
| Noninterest income to average assets | 0.2651% | 4,544 |
| Noninterest expense to average assets | 2.2041% | 4,523 |
| Loan and lease loss provision to assets | 0.0410% | 3,446 |
| Net operating income to assets | 1.0755% | 1,958 |
| Return on assets (ROA) | 1.0755% | 1,975 |
| Pretax return on assets | 1.6876% | 1,038 |
| Return on Equity (ROE) | 9.0518% | 2,291 |
| Retained earnings to average equity (ytd only) | 4.5901% | 2,399 |
| Net charge-offs to loans | 0.0750% | 2,376 |
| Credit loss provision to net charge-offs | 66.2338% | 3,147 |
| Earnings coverage of net charge-offs (x) | 27.9481% | 1,618 |
| Efficiency ratio | 56.0458% | 4,768 |
| Assets per employee ($millions) | 6.2185% | 1,368 |
| Cash dividends to net income (ytd only)* | 49.2905% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 1,611 |
| Loan loss allowance to noncurrent loans | 94.4262% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 1,147 |
| Noncurrent loans to loans | 1.5260% | 1,108 |
| Net loans and leases to total assets | 79.1959% | 1,077 |
| Net loans and leases to deposits | 91.3862% | 1,602 |
| Net loans and leases to core deposits | 97.8356% | 1,869 |
| Total domestic deposits to total assets | 86.6608% | 2,166 |
| Equity capital to assets | 12.1541% | 1,730 |
| Core capital (leverage) ratio | 12.2357% | 1,480 |
| Tier 1 risk-based capital ratio | 18.0153% | 1,804 |
| Total risk-based capital ratio | 19.2704% | 1,748 |
| Memoranda: | ||
| Average total assets | $124,496,400 | 3,830 |
| Average earning assets | $117,368,200 | 3,798 |
| Average equity | $14,792,600 | 3,741 |
| Average total loans | $102,654,000 | 3,305 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 2,582 |
| Cost of funding earning assets | 0.3258% | 3,886 |
| Net interest margin | 3.8825% | 2,098 |
| Noninterest income to average assets | 0.2570% | 4,662 |
| Noninterest expense to average assets | 2.2259% | 4,472 |
| Loan and lease loss provision to assets | 0.0332% | 3,459 |
| Net operating income to assets | 1.1167% | 2,007 |
| Return on assets (ROA) | 1.1167% | 2,074 |
| Pretax return on assets | 1.6596% | 1,217 |
| Return on Equity (ROE) | 9.4525% | 2,380 |
| Retained earnings to average equity (ytd only) | 4.9664% | 2,910 |
| Net charge-offs to loans | 0.0477% | 2,485 |
| Credit loss provision to net charge-offs | 83.7838% | 2,531 |
| Earnings coverage of net charge-offs (x) | 42.7316% | 1,242 |
| Efficiency ratio | 56.8033% | 4,632 |
| Assets per employee ($millions) | 5.8714% | 1,590 |
| Cash dividends to net income (ytd only)* | 47.4591% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,843 |
| Loan loss allowance to noncurrent loans | 102.2409% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.2060% | 1,362 |
| Noncurrent loans to loans | 1.3781% | 1,368 |
| Net loans and leases to total assets | 82.8571% | 565 |
| Net loans and leases to deposits | 95.7057% | 1,133 |
| Net loans and leases to core deposits | 102.5126% | 1,506 |
| Total domestic deposits to total assets | 86.5749% | 2,060 |
| Equity capital to assets | 12.1858% | 1,844 |
| Core capital (leverage) ratio | 12.1639% | 1,590 |
| Tier 1 risk-based capital ratio | 17.5465% | 1,998 |
| Total risk-based capital ratio | 18.8024% | 1,934 |
| Memoranda: | ||
| Average total assets | $124,528,000 | 3,872 |
| Average earning assets | $117,447,000 | 3,833 |
| Average equity | $14,711,750 | 3,791 |
| Average total loans | $103,333,500 | 3,326 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 2,640 |
| Cost of funding earning assets | 0.3278% | 3,818 |
| Net interest margin | 3.8299% | 2,177 |
| Noninterest income to average assets | 0.2465% | 4,764 |
| Noninterest expense to average assets | 2.2827% | 4,394 |
| Loan and lease loss provision to assets | 0.0336% | 3,316 |
| Net operating income to assets | 1.0373% | 2,262 |
| Return on assets (ROA) | 1.0373% | 2,305 |
| Pretax return on assets | 1.5400% | 1,525 |
| Return on Equity (ROE) | 8.8723% | 2,565 |
| Retained earnings to average equity (ytd only) | 4.3540% | 3,113 |
| Net charge-offs to loans | 0.0736% | 1,885 |
| Credit loss provision to net charge-offs | 55.2632% | 2,504 |
| Earnings coverage of net charge-offs (x) | 25.8684% | 1,592 |
| Efficiency ratio | 59.1947% | 4,438 |
| Assets per employee ($millions) | 5.9200% | 1,513 |
| Cash dividends to net income (ytd only)* | 50.9259% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,887 |
| Loan loss allowance to noncurrent loans | 98.1043% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.2355% | 1,371 |
| Noncurrent loans to loans | 1.4418% | 1,318 |
| Net loans and leases to total assets | 81.2370% | 781 |
| Net loans and leases to deposits | 94.3913% | 1,227 |
| Net loans and leases to core deposits | 101.0708% | 1,581 |
| Total domestic deposits to total assets | 86.0641% | 2,355 |
| Equity capital to assets | 11.9016% | 2,002 |
| Core capital (leverage) ratio | 11.5872% | 1,909 |
| Tier 1 risk-based capital ratio | 17.1496% | 2,118 |
| Total risk-based capital ratio | 18.4054% | 2,061 |
| Memoranda: | ||
| Average total assets | $124,937,670 | 3,881 |
| Average earning assets | $117,758,670 | 3,841 |
| Average equity | $14,607,330 | 3,811 |
| Average total loans | $103,237,330 | 3,335 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 2,669 |
| Cost of funding earning assets | 0.3254% | 3,798 |
| Net interest margin | 3.7696% | 2,226 |
| Noninterest income to average assets | 0.2747% | 4,581 |
| Noninterest expense to average assets | 2.2356% | 4,565 |
| Loan and lease loss provision to assets | 0.0319% | 3,145 |
| Net operating income to assets | 1.0316% | 2,161 |
| Return on assets (ROA) | 1.0316% | 2,210 |
| Pretax return on assets | 1.5585% | 1,345 |
| Return on Equity (ROE) | 8.9024% | 2,465 |
| Retained earnings to average equity (ytd only) | 4.4925% | 3,173 |
| Net charge-offs to loans | -0.0039% | 4,114 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4307% | 4,669 |
| Assets per employee ($millions) | 6.2097% | 1,364 |
| Cash dividends to net income (ytd only)* | 49.5356% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 1,964 |
| Loan loss allowance to noncurrent loans | 93.7778% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.3627% | 1,231 |
| Noncurrent loans to loans | 1.5208% | 1,304 |
| Net loans and leases to total assets | 78.2875% | 1,089 |
| Net loans and leases to deposits | 90.4412% | 1,487 |
| Net loans and leases to core deposits | 96.4742% | 1,784 |
| Total domestic deposits to total assets | 86.5618% | 2,413 |
| Equity capital to assets | 11.1998% | 2,432 |
| Core capital (leverage) ratio | 11.6790% | 1,838 |
| Tier 1 risk-based capital ratio | 16.5581% | 2,336 |
| Total risk-based capital ratio | 17.8128% | 2,286 |
| Memoranda: | ||
| Average total assets | $125,247,000 | 3,914 |
| Average earning assets | $117,996,000 | 3,870 |
| Average equity | $14,513,000 | 3,847 |
| Average total loans | $103,635,000 | 3,349 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 2,240 |
| Cost of funding earning assets | 0.3784% | 3,222 |
| Net interest margin | 3.8944% | 1,986 |
| Noninterest income to average assets | 0.2693% | 4,800 |
| Noninterest expense to average assets | 2.1349% | 4,926 |
| Loan and lease loss provision to assets | 0.0157% | 4,058 |
| Net operating income to assets | 1.1807% | 1,564 |
| Return on assets (ROA) | 1.1835% | 1,654 |
| Pretax return on assets | 1.7818% | 836 |
| Return on Equity (ROE) | 10.1572% | 1,897 |
| Retained earnings to average equity (ytd only) | 5.9606% | 1,727 |
| Net charge-offs to loans | -0.0341% | 5,290 |
| Credit loss provision to net charge-offs | -54.2857% | 4,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3460% | 5,216 |
| Assets per employee ($millions) | 5.7186% | 1,679 |
| Cash dividends to net income (ytd only)* | 41.3165% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 2,023 |
| Loan loss allowance to noncurrent loans | 98.2574% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.4106% | 1,211 |
| Noncurrent loans to loans | 1.4387% | 1,412 |
| Net loans and leases to total assets | 85.1336% | 292 |
| Net loans and leases to deposits | 99.4359% | 708 |
| Net loans and leases to core deposits | 106.1309% | 1,122 |
| Total domestic deposits to total assets | 85.6166% | 2,770 |
| Equity capital to assets | 12.0085% | 1,798 |
| Core capital (leverage) ratio | 11.9490% | 1,633 |
| Tier 1 risk-based capital ratio | 16.6615% | 2,286 |
| Total risk-based capital ratio | 17.9164% | 2,227 |
| Memoranda: | ||
| Average total assets | $120,662,000 | 3,981 |
| Average earning assets | $113,367,600 | 3,940 |
| Average equity | $14,059,000 | 3,933 |
| Average total loans | $102,719,600 | 3,337 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 2,273 |
| Cost of funding earning assets | 0.3808% | 3,219 |
| Net interest margin | 3.8853% | 2,029 |
| Noninterest income to average assets | 0.2770% | 4,787 |
| Noninterest expense to average assets | 2.1643% | 4,857 |
| Loan and lease loss provision to assets | 0.0155% | 3,935 |
| Net operating income to assets | 1.1574% | 1,776 |
| Return on assets (ROA) | 1.1611% | 1,868 |
| Pretax return on assets | 1.7515% | 996 |
| Return on Equity (ROE) | 10.0414% | 2,035 |
| Retained earnings to average equity (ytd only) | 5.9370% | 2,217 |
| Net charge-offs to loans | -0.0468% | 5,347 |
| Credit loss provision to net charge-offs | -38.8889% | 4,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1307% | 5,146 |
| Assets per employee ($millions) | 5.7201% | 1,645 |
| Cash dividends to net income (ytd only)* | 40.8746% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 2,169 |
| Loan loss allowance to noncurrent loans | 103.1030% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.3586% | 1,382 |
| Noncurrent loans to loans | 1.3643% | 1,619 |
| Net loans and leases to total assets | 85.3074% | 303 |
| Net loans and leases to deposits | 99.6489% | 724 |
| Net loans and leases to core deposits | 105.9547% | 1,184 |
| Total domestic deposits to total assets | 85.6080% | 2,552 |
| Equity capital to assets | 11.9212% | 2,170 |
| Core capital (leverage) ratio | 11.8385% | 1,786 |
| Tier 1 risk-based capital ratio | 16.3622% | 2,465 |
| Total risk-based capital ratio | 17.6177% | 2,419 |
| Memoranda: | ||
| Average total assets | $120,805,000 | 4,001 |
| Average earning assets | $113,451,750 | 3,963 |
| Average equity | $13,968,500 | 3,978 |
| Average total loans | $102,473,750 | 3,353 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 2,410 |
| Cost of funding earning assets | 0.3836% | 3,227 |
| Net interest margin | 3.8461% | 2,152 |
| Noninterest income to average assets | 0.2693% | 4,856 |
| Noninterest expense to average assets | 2.1829% | 4,881 |
| Loan and lease loss provision to assets | 0.0116% | 3,870 |
| Net operating income to assets | 1.1099% | 1,923 |
| Return on assets (ROA) | 1.1154% | 2,019 |
| Pretax return on assets | 1.6954% | 1,104 |
| Return on Equity (ROE) | 9.7464% | 2,164 |
| Retained earnings to average equity (ytd only) | 5.8478% | 2,216 |
| Net charge-offs to loans | -0.1020% | 5,628 |
| Credit loss provision to net charge-offs | -13.4615% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2367% | 5,121 |
| Assets per employee ($millions) | 5.6740% | 1,645 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 2,164 |
| Loan loss allowance to noncurrent loans | 93.1602% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.5048% | 1,272 |
| Noncurrent loans to loans | 1.5347% | 1,409 |
| Net loans and leases to total assets | 85.1158% | 318 |
| Net loans and leases to deposits | 99.3719% | 747 |
| Net loans and leases to core deposits | 106.0425% | 1,178 |
| Total domestic deposits to total assets | 85.6537% | 2,584 |
| Equity capital to assets | 11.8184% | 2,256 |
| Core capital (leverage) ratio | 11.5756% | 1,929 |
| Tier 1 risk-based capital ratio | 16.3707% | 2,476 |
| Total risk-based capital ratio | 17.6265% | 2,417 |
| Memoranda: | ||
| Average total assets | $121,032,670 | 4,024 |
| Average earning assets | $113,672,670 | 3,986 |
| Average equity | $13,851,330 | 4,009 |
| Average total loans | $101,986,670 | 3,371 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 2,505 |
| Cost of funding earning assets | 0.3842% | 3,257 |
| Net interest margin | 3.8071% | 2,262 |
| Noninterest income to average assets | 0.2361% | 5,053 |
| Noninterest expense to average assets | 2.2890% | 4,691 |
| Loan and lease loss provision to assets | 0.0164% | 3,473 |
| Net operating income to assets | 0.9937% | 2,311 |
| Return on assets (ROA) | 0.9937% | 2,425 |
| Pretax return on assets | 1.5053% | 1,566 |
| Return on Equity (ROE) | 8.8235% | 2,510 |
| Retained earnings to average equity (ytd only) | 5.6203% | 2,567 |
| Net charge-offs to loans | -0.2009% | 5,851 |
| Credit loss provision to net charge-offs | -9.8039% | 4,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0688% | 4,736 |
| Assets per employee ($millions) | 5.7720% | 1,606 |
| Cash dividends to net income (ytd only)* | 36.3036% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 2,328 |
| Loan loss allowance to noncurrent loans | 101.7325% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.3670% | 1,546 |
| Noncurrent loans to loans | 1.3968% | 1,710 |
| Net loans and leases to total assets | 84.0166% | 371 |
| Net loans and leases to deposits | 97.8657% | 765 |
| Net loans and leases to core deposits | 104.2845% | 1,171 |
| Total domestic deposits to total assets | 85.8489% | 2,737 |
| Equity capital to assets | 11.4253% | 2,510 |
| Core capital (leverage) ratio | 11.3354% | 2,108 |
| Tier 1 risk-based capital ratio | 15.8866% | 2,744 |
| Total risk-based capital ratio | 17.1423% | 2,668 |
| Memoranda: | ||
| Average total assets | $121,972,500 | 4,042 |
| Average earning assets | $114,521,500 | 4,001 |
| Average equity | $13,736,000 | 4,041 |
| Average total loans | $101,535,500 | 3,397 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9573% | 3,481 |
| Cost of funding earning assets | 0.4185% | 2,960 |
| Net interest margin | 3.5388% | 3,384 |
| Noninterest income to average assets | 0.3179% | 4,623 |
| Noninterest expense to average assets | 2.0241% | 5,410 |
| Loan and lease loss provision to assets | 0.0241% | 3,903 |
| Net operating income to assets | 1.0686% | 2,047 |
| Return on assets (ROA) | 1.0686% | 2,125 |
| Pretax return on assets | 1.5897% | 1,281 |
| Return on Equity (ROE) | 10.0591% | 1,988 |
| Retained earnings to average equity (ytd only) | 5.6001% | 2,015 |
| Net charge-offs to loans | 0.0305% | 3,613 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 803 |
| Efficiency ratio | 55.6389% | 5,380 |
| Assets per employee ($millions) | 5.8444% | 1,504 |
| Cash dividends to net income (ytd only)* | 44.3276% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 2,351 |
| Loan loss allowance to noncurrent loans | 69.8318% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.8984% | 964 |
| Noncurrent loans to loans | 2.0268% | 1,023 |
| Net loans and leases to total assets | 80.1356% | 829 |
| Net loans and leases to deposits | 92.9331% | 1,310 |
| Net loans and leases to core deposits | 99.1592% | 1,580 |
| Total domestic deposits to total assets | 86.2293% | 2,522 |
| Equity capital to assets | 11.0998% | 2,727 |
| Core capital (leverage) ratio | 11.1031% | 2,308 |
| Tier 1 risk-based capital ratio | 16.0127% | 2,680 |
| Total risk-based capital ratio | 17.2682% | 2,621 |
| Memoranda: | ||
| Average total assets | $124,550,800 | 3,998 |
| Average earning assets | $116,846,200 | 3,954 |
| Average equity | $13,231,800 | 4,090 |
| Average total loans | $98,509,200 | 3,409 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 3,639 |
| Cost of funding earning assets | 0.4286% | 2,926 |
| Net interest margin | 3.5001% | 3,533 |
| Noninterest income to average assets | 0.3274% | 4,591 |
| Noninterest expense to average assets | 2.0425% | 5,393 |
| Loan and lease loss provision to assets | 0.0192% | 3,892 |
| Net operating income to assets | 1.0442% | 2,248 |
| Return on assets (ROA) | 1.0442% | 2,339 |
| Pretax return on assets | 1.5498% | 1,537 |
| Return on Equity (ROE) | 9.9383% | 2,129 |
| Retained earnings to average equity (ytd only) | 5.0656% | 2,865 |
| Net charge-offs to loans | 0.0530% | 2,849 |
| Credit loss provision to net charge-offs | 46.1538% | 3,078 |
| Earnings coverage of net charge-offs (x) | 37.7169% | 1,304 |
| Efficiency ratio | 56.5564% | 5,279 |
| Assets per employee ($millions) | 5.8765% | 1,456 |
| Cash dividends to net income (ytd only)* | 49.0293% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 2,578 |
| Loan loss allowance to noncurrent loans | 66.2066% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.9521% | 1,059 |
| Noncurrent loans to loans | 2.1208% | 1,063 |
| Net loans and leases to total assets | 79.1495% | 935 |
| Net loans and leases to deposits | 91.6199% | 1,451 |
| Net loans and leases to core deposits | 97.6955% | 1,726 |
| Total domestic deposits to total assets | 86.3889% | 2,334 |
| Equity capital to assets | 10.8592% | 3,181 |
| Core capital (leverage) ratio | 10.6479% | 2,879 |
| Tier 1 risk-based capital ratio | 15.7093% | 2,949 |
| Total risk-based capital ratio | 16.9644% | 2,876 |
| Memoranda: | ||
| Average total assets | $125,005,500 | 4,020 |
| Average earning assets | $117,289,000 | 3,978 |
| Average equity | $13,134,000 | 4,160 |
| Average total loans | $98,195,500 | 3,445 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 3,724 |
| Cost of funding earning assets | 0.4367% | 2,888 |
| Net interest margin | 3.4546% | 3,686 |
| Noninterest income to average assets | 0.3409% | 4,513 |
| Noninterest expense to average assets | 2.0599% | 5,417 |
| Loan and lease loss provision to assets | 0.0207% | 3,721 |
| Net operating income to assets | 1.0005% | 2,391 |
| Return on assets (ROA) | 1.0005% | 2,496 |
| Pretax return on assets | 1.4991% | 1,649 |
| Return on Equity (ROE) | 9.6282% | 2,239 |
| Retained earnings to average equity (ytd only) | 4.7221% | 3,039 |
| Net charge-offs to loans | -0.0654% | 5,642 |
| Credit loss provision to net charge-offs | -40.6250% | 4,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5434% | 5,274 |
| Assets per employee ($millions) | 5.9566% | 1,391 |
| Cash dividends to net income (ytd only)* | 50.9554% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 2,423 |
| Loan loss allowance to noncurrent loans | 92.8025% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.5013% | 1,640 |
| Noncurrent loans to loans | 1.5817% | 1,665 |
| Net loans and leases to total assets | 78.1891% | 1,046 |
| Net loans and leases to deposits | 90.2311% | 1,570 |
| Net loans and leases to core deposits | 96.4195% | 1,762 |
| Total domestic deposits to total assets | 86.6543% | 2,343 |
| Equity capital to assets | 10.5365% | 3,402 |
| Core capital (leverage) ratio | 10.6096% | 2,843 |
| Tier 1 risk-based capital ratio | 14.8658% | 3,437 |
| Total risk-based capital ratio | 16.1202% | 3,365 |
| Memoranda: | ||
| Average total assets | $125,538,330 | 4,046 |
| Average earning assets | $117,698,000 | 3,995 |
| Average equity | $13,045,000 | 4,201 |
| Average total loans | $97,905,000 | 3,473 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 3,841 |
| Cost of funding earning assets | 0.4383% | 2,898 |
| Net interest margin | 3.4077% | 3,813 |
| Noninterest income to average assets | 0.3053% | 4,748 |
| Noninterest expense to average assets | 2.0674% | 5,455 |
| Loan and lease loss provision to assets | 0.0318% | 3,252 |
| Net operating income to assets | 0.9605% | 2,445 |
| Return on assets (ROA) | 0.9605% | 2,578 |
| Pretax return on assets | 1.3963% | 1,900 |
| Return on Equity (ROE) | 9.3084% | 2,311 |
| Retained earnings to average equity (ytd only) | 4.3768% | 3,395 |
| Net charge-offs to loans | -0.1152% | 5,906 |
| Credit loss provision to net charge-offs | -35.7143% | 4,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1447% | 5,208 |
| Assets per employee ($millions) | 6.2846% | 1,198 |
| Cash dividends to net income (ytd only)* | 52.9801% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 2,433 |
| Loan loss allowance to noncurrent loans | 181.9322% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.8791% | 2,881 |
| Noncurrent loans to loans | 0.8259% | 3,177 |
| Net loans and leases to total assets | 75.6251% | 1,264 |
| Net loans and leases to deposits | 87.7287% | 1,642 |
| Net loans and leases to core deposits | 93.6871% | 1,794 |
| Total domestic deposits to total assets | 86.2035% | 2,827 |
| Equity capital to assets | 10.3858% | 3,675 |
| Core capital (leverage) ratio | 10.4069% | 3,093 |
| Tier 1 risk-based capital ratio | 15.0485% | 3,407 |
| Total risk-based capital ratio | 16.3034% | 3,329 |
| Memoranda: | ||
| Average total assets | $125,763,000 | 4,069 |
| Average earning assets | $117,733,000 | 4,024 |
| Average equity | $12,977,500 | 4,240 |
| Average total loans | $97,226,000 | 3,499 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,628 |
| Cost of funding earning assets | 0.5234% | 2,461 |
| Net interest margin | 3.5008% | 3,788 |
| Noninterest income to average assets | 0.3237% | 4,803 |
| Noninterest expense to average assets | 2.0343% | 5,710 |
| Loan and lease loss provision to assets | 0.0470% | 3,632 |
| Net operating income to assets | 1.0205% | 2,298 |
| Return on assets (ROA) | 1.0205% | 2,372 |
| Pretax return on assets | 1.5236% | 1,459 |
| Return on Equity (ROE) | 9.6809% | 2,260 |
| Retained earnings to average equity (ytd only) | 4.5899% | 2,912 |
| Net charge-offs to loans | 0.0251% | 4,332 |
| Credit loss provision to net charge-offs | 233.3333% | 1,082 |
| Earnings coverage of net charge-offs (x) | 78.0417% | 639 |
| Efficiency ratio | 56.4317% | 5,629 |
| Assets per employee ($millions) | 5.9921% | 1,383 |
| Cash dividends to net income (ytd only)* | 52.5883% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 2,733 |
| Loan loss allowance to noncurrent loans | 154.8246% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 3,211 |
| Noncurrent loans to loans | 0.9311% | 2,990 |
| Net loans and leases to total assets | 76.7163% | 1,167 |
| Net loans and leases to deposits | 88.4378% | 1,683 |
| Net loans and leases to core deposits | 94.3822% | 1,882 |
| Total domestic deposits to total assets | 86.7461% | 2,423 |
| Equity capital to assets | 10.2523% | 3,789 |
| Core capital (leverage) ratio | 10.2959% | 3,177 |
| Tier 1 risk-based capital ratio | 14.7844% | 3,608 |
| Total risk-based capital ratio | 16.0389% | 3,542 |
| Memoranda: | ||
| Average total assets | $119,256,000 | 4,195 |
| Average earning assets | $111,775,200 | 4,140 |
| Average equity | $12,571,200 | 4,266 |
| Average total loans | $95,774,600 | 3,510 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 3,590 |
| Cost of funding earning assets | 0.5400% | 2,373 |
| Net interest margin | 3.5016% | 3,822 |
| Noninterest income to average assets | 0.3310% | 4,790 |
| Noninterest expense to average assets | 2.0927% | 5,586 |
| Loan and lease loss provision to assets | 0.0487% | 3,403 |
| Net operating income to assets | 0.9919% | 2,485 |
| Return on assets (ROA) | 0.9919% | 2,547 |
| Pretax return on assets | 1.4681% | 1,742 |
| Return on Equity (ROE) | 9.3415% | 2,527 |
| Retained earnings to average equity (ytd only) | 4.2170% | 3,652 |
| Net charge-offs to loans | 0.0574% | 3,396 |
| Credit loss provision to net charge-offs | 104.8780% | 2,114 |
| Earnings coverage of net charge-offs (x) | 32.6314% | 1,298 |
| Efficiency ratio | 57.9774% | 5,450 |
| Assets per employee ($millions) | 5.7550% | 1,524 |
| Cash dividends to net income (ytd only)* | 54.8567% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 3,052 |
| Loan loss allowance to noncurrent loans | 149.7291% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8415% | 3,312 |
| Noncurrent loans to loans | 0.9522% | 3,177 |
| Net loans and leases to total assets | 79.0642% | 825 |
| Net loans and leases to deposits | 91.6382% | 1,262 |
| Net loans and leases to core deposits | 98.0926% | 1,523 |
| Total domestic deposits to total assets | 86.2786% | 2,715 |
| Equity capital to assets | 10.5209% | 3,528 |
| Core capital (leverage) ratio | 10.4223% | 3,133 |
| Tier 1 risk-based capital ratio | 14.5765% | 3,836 |
| Total risk-based capital ratio | 15.8309% | 3,774 |
| Memoranda: | ||
| Average total assets | $117,611,250 | 4,268 |
| Average earning assets | $110,118,500 | 4,218 |
| Average equity | $12,488,750 | 4,303 |
| Average total loans | $95,231,250 | 3,556 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 3,556 |
| Cost of funding earning assets | 0.5475% | 2,371 |
| Net interest margin | 3.5002% | 3,790 |
| Noninterest income to average assets | 0.3312% | 4,767 |
| Noninterest expense to average assets | 2.0716% | 5,684 |
| Loan and lease loss provision to assets | 0.0498% | 3,306 |
| Net operating income to assets | 1.0057% | 2,301 |
| Return on assets (ROA) | 1.0057% | 2,367 |
| Pretax return on assets | 1.4794% | 1,601 |
| Return on Equity (ROE) | 9.4415% | 2,398 |
| Retained earnings to average equity (ytd only) | 4.2857% | 3,446 |
| Net charge-offs to loans | 0.0930% | 2,750 |
| Credit loss provision to net charge-offs | 65.9091% | 2,540 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,591 |
| Efficiency ratio | 57.5310% | 5,608 |
| Assets per employee ($millions) | 5.7598% | 1,466 |
| Cash dividends to net income (ytd only)* | 54.6075% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 3,134 |
| Loan loss allowance to noncurrent loans | 142.1875% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 3,363 |
| Noncurrent loans to loans | 1.0157% | 3,203 |
| Net loans and leases to total assets | 77.0129% | 1,049 |
| Net loans and leases to deposits | 90.1333% | 1,360 |
| Net loans and leases to core deposits | 96.7793% | 1,541 |
| Total domestic deposits to total assets | 85.4433% | 3,313 |
| Equity capital to assets | 10.4014% | 3,560 |
| Core capital (leverage) ratio | 10.6330% | 2,783 |
| Tier 1 risk-based capital ratio | 14.7429% | 3,778 |
| Total risk-based capital ratio | 15.9968% | 3,730 |
| Memoranda: | ||
| Average total assets | $116,530,000 | 4,317 |
| Average earning assets | $108,850,330 | 4,270 |
| Average equity | $12,413,330 | 4,330 |
| Average total loans | $94,663,330 | 3,572 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 3,333 |
| Cost of funding earning assets | 0.5577% | 2,366 |
| Net interest margin | 3.5297% | 3,571 |
| Noninterest income to average assets | 0.3289% | 4,739 |
| Noninterest expense to average assets | 2.0889% | 5,709 |
| Loan and lease loss provision to assets | 0.0560% | 2,997 |
| Net operating income to assets | 0.9762% | 2,295 |
| Return on assets (ROA) | 0.9762% | 2,360 |
| Pretax return on assets | 1.4836% | 1,476 |
| Return on Equity (ROE) | 9.0515% | 2,437 |
| Retained earnings to average equity (ytd only) | 3.8607% | 3,807 |
| Net charge-offs to loans | -0.0169% | 5,270 |
| Credit loss provision to net charge-offs | -400.0000% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5699% | 5,696 |
| Assets per employee ($millions) | 5.7660% | 1,485 |
| Cash dividends to net income (ytd only)* | 57.3477% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 3,231 |
| Loan loss allowance to noncurrent loans | 146.9045% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 3,344 |
| Noncurrent loans to loans | 1.0076% | 3,405 |
| Net loans and leases to total assets | 80.8047% | 471 |
| Net loans and leases to deposits | 95.4764% | 686 |
| Net loans and leases to core deposits | 102.5826% | 952 |
| Total domestic deposits to total assets | 84.6332% | 4,030 |
| Equity capital to assets | 10.7596% | 2,974 |
| Core capital (leverage) ratio | 10.9179% | 2,468 |
| Tier 1 risk-based capital ratio | 14.5561% | 3,979 |
| Total risk-based capital ratio | 15.8110% | 3,922 |
| Memoranda: | ||
| Average total assets | $114,317,500 | 4,405 |
| Average earning assets | $106,863,500 | 4,343 |
| Average equity | $12,329,500 | 4,366 |
| Average total loans | $94,737,000 | 3,589 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 2,700 |
| Cost of funding earning assets | 0.5808% | 2,828 |
| Net interest margin | 3.7866% | 2,701 |
| Noninterest income to average assets | 0.3798% | 4,600 |
| Noninterest expense to average assets | 2.3035% | 5,376 |
| Loan and lease loss provision to assets | 0.0807% | 3,497 |
| Net operating income to assets | 1.0330% | 2,191 |
| Return on assets (ROA) | 1.0330% | 2,255 |
| Pretax return on assets | 1.5302% | 1,350 |
| Return on Equity (ROE) | 9.4150% | 2,364 |
| Retained earnings to average equity (ytd only) | 5.5353% | 2,255 |
| Net charge-offs to loans | -0.0076% | 5,988 |
| Credit loss provision to net charge-offs | -1,257.1429% | 6,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8470% | 5,627 |
| Assets per employee ($millions) | 5.6658% | 1,498 |
| Cash dividends to net income (ytd only)* | 41.2078% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 3,404 |
| Loan loss allowance to noncurrent loans | 168.9106% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 4,081 |
| Noncurrent loans to loans | 0.8610% | 3,830 |
| Net loans and leases to total assets | 82.5222% | 365 |
| Net loans and leases to deposits | 97.6392% | 613 |
| Net loans and leases to core deposits | 104.4571% | 879 |
| Total domestic deposits to total assets | 84.5175% | 3,957 |
| Equity capital to assets | 10.8115% | 2,803 |
| Core capital (leverage) ratio | 10.8247% | 2,549 |
| Tier 1 risk-based capital ratio | 14.3560% | 4,043 |
| Total risk-based capital ratio | 15.6102% | 3,988 |
| Memoranda: | ||
| Average total assets | $109,006,600 | 4,519 |
| Average earning assets | $101,753,000 | 4,467 |
| Average equity | $11,959,600 | 4,448 |
| Average total loans | $92,041,600 | 3,638 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 2,618 |
| Cost of funding earning assets | 0.5866% | 2,932 |
| Net interest margin | 3.8059% | 2,618 |
| Noninterest income to average assets | 0.4003% | 4,542 |
| Noninterest expense to average assets | 2.3657% | 5,130 |
| Loan and lease loss provision to assets | 0.0865% | 3,332 |
| Net operating income to assets | 1.0117% | 2,332 |
| Return on assets (ROA) | 1.0117% | 2,419 |
| Pretax return on assets | 1.4985% | 1,612 |
| Return on Equity (ROE) | 9.1864% | 2,550 |
| Retained earnings to average equity (ytd only) | 5.2830% | 2,884 |
| Net charge-offs to loans | -0.0029% | 5,718 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8812% | 5,455 |
| Assets per employee ($millions) | 5.5155% | 1,607 |
| Cash dividends to net income (ytd only)* | 42.4911% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 3,690 |
| Loan loss allowance to noncurrent loans | 200.1475% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 4,593 |
| Noncurrent loans to loans | 0.7242% | 4,402 |
| Net loans and leases to total assets | 83.6414% | 268 |
| Net loans and leases to deposits | 99.4353% | 489 |
| Net loans and leases to core deposits | 106.1677% | 750 |
| Total domestic deposits to total assets | 84.1164% | 4,141 |
| Equity capital to assets | 10.9429% | 2,812 |
| Core capital (leverage) ratio | 10.9738% | 2,509 |
| Tier 1 risk-based capital ratio | 14.2835% | 4,229 |
| Total risk-based capital ratio | 15.5381% | 4,167 |
| Memoranda: | ||
| Average total assets | $107,929,500 | 4,594 |
| Average earning assets | $100,684,250 | 4,536 |
| Average equity | $11,886,750 | 4,516 |
| Average total loans | $91,329,500 | 3,683 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 2,636 |
| Cost of funding earning assets | 0.5846% | 3,089 |
| Net interest margin | 3.7981% | 2,563 |
| Noninterest income to average assets | 0.4219% | 4,364 |
| Noninterest expense to average assets | 2.4175% | 5,005 |
| Loan and lease loss provision to assets | 0.0915% | 3,262 |
| Net operating income to assets | 0.9969% | 2,336 |
| Return on assets (ROA) | 0.9969% | 2,480 |
| Pretax return on assets | 1.4542% | 1,755 |
| Return on Equity (ROE) | 9.0315% | 2,594 |
| Retained earnings to average equity (ytd only) | 5.1077% | 2,983 |
| Net charge-offs to loans | -0.0044% | 5,618 |
| Credit loss provision to net charge-offs | -2,450.0000% | 6,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9986% | 5,333 |
| Assets per employee ($millions) | 5.3890% | 1,707 |
| Cash dividends to net income (ytd only)* | 43.4457% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 3,874 |
| Loan loss allowance to noncurrent loans | 158.1065% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 4,262 |
| Noncurrent loans to loans | 0.9069% | 4,113 |
| Net loans and leases to total assets | 85.2106% | 175 |
| Net loans and leases to deposits | 101.6559% | 345 |
| Net loans and leases to core deposits | 108.7276% | 616 |
| Total domestic deposits to total assets | 83.8226% | 4,396 |
| Equity capital to assets | 11.0809% | 2,677 |
| Core capital (leverage) ratio | 11.2824% | 2,102 |
| Tier 1 risk-based capital ratio | 13.9771% | 4,440 |
| Total risk-based capital ratio | 15.2315% | 4,401 |
| Memoranda: | ||
| Average total assets | $107,136,330 | 4,637 |
| Average earning assets | $99,892,330 | 4,587 |
| Average equity | $11,825,330 | 4,568 |
| Average total loans | $90,565,670 | 3,711 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 2,871 |
| Cost of funding earning assets | 0.5910% | 3,193 |
| Net interest margin | 3.7146% | 2,794 |
| Noninterest income to average assets | 0.3745% | 4,670 |
| Noninterest expense to average assets | 2.4603% | 4,910 |
| Loan and lease loss provision to assets | 0.0637% | 3,566 |
| Net operating income to assets | 0.9175% | 2,572 |
| Return on assets (ROA) | 0.9175% | 2,720 |
| Pretax return on assets | 1.3107% | 2,198 |
| Return on Equity (ROE) | 8.3287% | 2,803 |
| Retained earnings to average equity (ytd only) | 4.3853% | 3,604 |
| Net charge-offs to loans | 0.1389% | 2,576 |
| Credit loss provision to net charge-offs | 54.8387% | 2,530 |
| Earnings coverage of net charge-offs (x) | 11.8387% | 1,644 |
| Efficiency ratio | 64.1602% | 4,986 |
| Assets per employee ($millions) | 5.1014% | 2,096 |
| Cash dividends to net income (ytd only)* | 47.3469% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 4,095 |
| Loan loss allowance to noncurrent loans | 130.6269% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.9083% | 4,123 |
| Noncurrent loans to loans | 1.0936% | 3,955 |
| Net loans and leases to total assets | 81.8649% | 287 |
| Net loans and leases to deposits | 94.8632% | 617 |
| Net loans and leases to core deposits | 101.2141% | 876 |
| Total domestic deposits to total assets | 86.2978% | 3,359 |
| Equity capital to assets | 11.0390% | 2,915 |
| Core capital (leverage) ratio | 11.0589% | 2,216 |
| Tier 1 risk-based capital ratio | 14.5152% | 4,164 |
| Total risk-based capital ratio | 15.7692% | 4,127 |
| Memoranda: | ||
| Average total assets | $106,814,500 | 4,692 |
| Average earning assets | $99,499,000 | 4,640 |
| Average equity | $11,766,500 | 4,617 |
| Average total loans | $89,260,500 | 3,767 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 3,300 |
| Cost of funding earning assets | 0.7498% | 3,092 |
| Net interest margin | 3.7753% | 3,339 |
| Noninterest income to average assets | 0.3918% | 4,669 |
| Noninterest expense to average assets | 2.2891% | 5,717 |
| Loan and lease loss provision to assets | 0.1485% | 3,750 |
| Net operating income to assets | 0.9805% | 2,424 |
| Return on assets (ROA) | 0.9823% | 2,640 |
| Pretax return on assets | 1.4808% | 1,742 |
| Return on Equity (ROE) | 9.4633% | 2,421 |
| Retained earnings to average equity (ytd only) | 5.3900% | 2,451 |
| Net charge-offs to loans | 0.0883% | 4,795 |
| Credit loss provision to net charge-offs | 208.9744% | 1,220 |
| Earnings coverage of net charge-offs (x) | 22.8846% | 1,239 |
| Efficiency ratio | 58.4594% | 5,767 |
| Assets per employee ($millions) | 5.0714% | 2,140 |
| Cash dividends to net income (ytd only)* | 43.0427% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 3,997 |
| Loan loss allowance to noncurrent loans | 391.7683% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 5,751 |
| Noncurrent loans to loans | 0.3663% | 5,571 |
| Net loans and leases to total assets | 82.8770% | 278 |
| Net loans and leases to deposits | 96.6387% | 583 |
| Net loans and leases to core deposits | 101.2899% | 937 |
| Total domestic deposits to total assets | 85.7596% | 3,479 |
| Equity capital to assets | 10.9925% | 2,962 |
| Core capital (leverage) ratio | 10.7518% | 2,493 |
| Tier 1 risk-based capital ratio | 14.3549% | 4,120 |
| Total risk-based capital ratio | 15.6088% | 4,082 |
| Memoranda: | ||
| Average total assets | $109,737,800 | 4,595 |
| Average earning assets | $102,430,000 | 4,533 |
| Average equity | $11,391,400 | 4,693 |
| Average total loans | $88,347,200 | 3,789 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 3,518 |
| Cost of funding earning assets | 0.7820% | 3,092 |
| Net interest margin | 3.7474% | 3,568 |
| Noninterest income to average assets | 0.3835% | 4,757 |
| Noninterest expense to average assets | 2.2409% | 5,849 |
| Loan and lease loss provision to assets | 0.1628% | 3,480 |
| Net operating income to assets | 0.9854% | 2,582 |
| Return on assets (ROA) | 0.9854% | 2,810 |
| Pretax return on assets | 1.4823% | 1,947 |
| Return on Equity (ROE) | 9.6293% | 2,530 |
| Retained earnings to average equity (ytd only) | 5.5277% | 3,018 |
| Net charge-offs to loans | 0.1136% | 4,251 |
| Credit loss provision to net charge-offs | 180.0000% | 1,546 |
| Earnings coverage of net charge-offs (x) | 18.1862% | 1,580 |
| Efficiency ratio | 57.6660% | 5,835 |
| Assets per employee ($millions) | 5.1599% | 1,983 |
| Cash dividends to net income (ytd only)* | 42.5949% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 4,388 |
| Loan loss allowance to noncurrent loans | 448.3986% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 6,049 |
| Noncurrent loans to loans | 0.3116% | 5,860 |
| Net loans and leases to total assets | 82.0741% | 338 |
| Net loans and leases to deposits | 95.8691% | 668 |
| Net loans and leases to core deposits | 101.1706% | 1,040 |
| Total domestic deposits to total assets | 85.6105% | 3,457 |
| Equity capital to assets | 10.6611% | 3,649 |
| Core capital (leverage) ratio | 10.5099% | 2,901 |
| Tier 1 risk-based capital ratio | 14.0379% | 4,492 |
| Total risk-based capital ratio | 15.2918% | 4,448 |
| Memoranda: | ||
| Average total assets | $110,547,250 | 4,624 |
| Average earning assets | $103,323,250 | 4,559 |
| Average equity | $11,312,500 | 4,751 |
| Average total loans | $88,046,750 | 3,838 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 3,769 |
| Cost of funding earning assets | 0.8174% | 3,059 |
| Net interest margin | 3.6810% | 3,920 |
| Noninterest income to average assets | 0.4116% | 4,569 |
| Noninterest expense to average assets | 2.2556% | 5,856 |
| Loan and lease loss provision to assets | 0.1582% | 3,535 |
| Net operating income to assets | 0.9634% | 2,605 |
| Return on assets (ROA) | 0.9634% | 2,852 |
| Pretax return on assets | 1.4378% | 2,057 |
| Return on Equity (ROE) | 9.5436% | 2,559 |
| Retained earnings to average equity (ytd only) | 5.4128% | 3,036 |
| Net charge-offs to loans | 0.1328% | 3,865 |
| Credit loss provision to net charge-offs | 151.7241% | 1,824 |
| Earnings coverage of net charge-offs (x) | 15.3103% | 1,650 |
| Efficiency ratio | 58.5628% | 5,794 |
| Assets per employee ($millions) | 5.4770% | 1,642 |
| Cash dividends to net income (ytd only)* | 43.2836% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 4,577 |
| Loan loss allowance to noncurrent loans | 600.0000% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 6,323 |
| Noncurrent loans to loans | 0.2281% | 6,121 |
| Net loans and leases to total assets | 80.9385% | 414 |
| Net loans and leases to deposits | 94.2259% | 748 |
| Net loans and leases to core deposits | 100.5888% | 1,058 |
| Total domestic deposits to total assets | 85.8983% | 3,405 |
| Equity capital to assets | 10.3889% | 3,828 |
| Core capital (leverage) ratio | 10.2508% | 3,095 |
| Tier 1 risk-based capital ratio | 13.8401% | 4,564 |
| Total risk-based capital ratio | 15.0930% | 4,539 |
| Memoranda: | ||
| Average total assets | $111,277,330 | 4,635 |
| Average earning assets | $103,993,000 | 4,573 |
| Average equity | $11,232,670 | 4,768 |
| Average total loans | $87,331,330 | 3,873 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 3,972 |
| Cost of funding earning assets | 0.8433% | 3,116 |
| Net interest margin | 3.6441% | 4,069 |
| Noninterest income to average assets | 0.4387% | 4,388 |
| Noninterest expense to average assets | 2.2934% | 5,785 |
| Loan and lease loss provision to assets | 0.0856% | 4,309 |
| Net operating income to assets | 0.9844% | 2,536 |
| Return on assets (ROA) | 0.9844% | 2,737 |
| Pretax return on assets | 1.4659% | 1,977 |
| Return on Equity (ROE) | 9.8934% | 2,435 |
| Retained earnings to average equity (ytd only) | 5.7353% | 3,121 |
| Net charge-offs to loans | 0.0418% | 4,116 |
| Credit loss provision to net charge-offs | 266.6667% | 1,088 |
| Earnings coverage of net charge-offs (x) | 48.3333% | 653 |
| Efficiency ratio | 59.6475% | 5,673 |
| Assets per employee ($millions) | 5.6437% | 1,575 |
| Cash dividends to net income (ytd only)* | 42.0290% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 4,611 |
| Loan loss allowance to noncurrent loans | 832.1918% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 6,568 |
| Noncurrent loans to loans | 0.1684% | 6,342 |
| Net loans and leases to total assets | 75.7544% | 827 |
| Net loans and leases to deposits | 87.7571% | 1,197 |
| Net loans and leases to core deposits | 93.8802% | 1,476 |
| Total domestic deposits to total assets | 86.3228% | 3,347 |
| Equity capital to assets | 9.9518% | 4,186 |
| Core capital (leverage) ratio | 10.0796% | 3,271 |
| Tier 1 risk-based capital ratio | 14.2049% | 4,313 |
| Total risk-based capital ratio | 15.4580% | 4,287 |
| Memoranda: | ||
| Average total assets | $112,146,000 | 4,649 |
| Average earning assets | $104,828,000 | 4,578 |
| Average equity | $11,159,000 | 4,788 |
| Average total loans | $86,052,000 | 3,937 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 4,204 |
| Cost of funding earning assets | 1.0818% | 2,795 |
| Net interest margin | 3.6271% | 4,626 |
| Noninterest income to average assets | 0.3975% | 4,634 |
| Noninterest expense to average assets | 2.2632% | 6,140 |
| Loan and lease loss provision to assets | 0.1389% | 4,884 |
| Net operating income to assets | 0.9022% | 2,591 |
| Return on assets (ROA) | 0.9022% | 2,725 |
| Pretax return on assets | 1.3734% | 1,866 |
| Return on Equity (ROE) | 8.7504% | 2,565 |
| Retained earnings to average equity (ytd only) | 5.3320% | 2,430 |
| Net charge-offs to loans | 0.0238% | 6,105 |
| Credit loss provision to net charge-offs | 725.0000% | 298 |
| Earnings coverage of net charge-offs (x) | 78.9500% | 376 |
| Efficiency ratio | 59.9442% | 5,768 |
| Assets per employee ($millions) | 5.5709% | 1,560 |
| Cash dividends to net income (ytd only)* | 39.0658% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 4,429 |
| Loan loss allowance to noncurrent loans | 555.5556% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 6,468 |
| Noncurrent loans to loans | 0.2530% | 6,226 |
| Net loans and leases to total assets | 75.5551% | 1,014 |
| Net loans and leases to deposits | 88.4116% | 1,329 |
| Net loans and leases to core deposits | 96.4549% | 1,458 |
| Total domestic deposits to total assets | 85.4584% | 3,618 |
| Equity capital to assets | 9.9490% | 4,230 |
| Core capital (leverage) ratio | 10.4104% | 2,835 |
| Tier 1 risk-based capital ratio | 14.2724% | 4,132 |
| Total risk-based capital ratio | 15.5265% | 4,091 |
| Memoranda: | ||
| Average total assets | $104,409,600 | 4,778 |
| Average earning assets | $97,241,000 | 4,704 |
| Average equity | $10,765,200 | 4,836 |
| Average total loans | $84,026,800 | 4,025 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 4,032 |
| Cost of funding earning assets | 1.1396% | 2,700 |
| Net interest margin | 3.6562% | 4,543 |
| Noninterest income to average assets | 0.4013% | 4,659 |
| Noninterest expense to average assets | 2.3040% | 6,017 |
| Loan and lease loss provision to assets | 0.1286% | 4,823 |
| Net operating income to assets | 0.9053% | 2,721 |
| Return on assets (ROA) | 0.9053% | 2,856 |
| Pretax return on assets | 1.3689% | 2,047 |
| Return on Equity (ROE) | 8.6971% | 2,745 |
| Retained earnings to average equity (ytd only) | 5.2657% | 3,023 |
| Net charge-offs to loans | 0.0366% | 5,634 |
| Credit loss provision to net charge-offs | 430.4348% | 655 |
| Earnings coverage of net charge-offs (x) | 50.1236% | 644 |
| Efficiency ratio | 60.6081% | 5,620 |
| Assets per employee ($millions) | 5.2203% | 1,904 |
| Cash dividends to net income (ytd only)* | 39.4551% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 4,736 |
| Loan loss allowance to noncurrent loans | 130.0565% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8477% | 5,064 |
| Noncurrent loans to loans | 1.0446% | 4,813 |
| Net loans and leases to total assets | 80.0441% | 513 |
| Net loans and leases to deposits | 94.7366% | 778 |
| Net loans and leases to core deposits | 103.7441% | 998 |
| Total domestic deposits to total assets | 84.4912% | 4,013 |
| Equity capital to assets | 10.4679% | 3,748 |
| Core capital (leverage) ratio | 10.5034% | 2,864 |
| Tier 1 risk-based capital ratio | 14.2399% | 4,169 |
| Total risk-based capital ratio | 15.4929% | 4,130 |
| Memoranda: | ||
| Average total assets | $102,657,500 | 4,849 |
| Average earning assets | $95,469,250 | 4,802 |
| Average equity | $10,685,250 | 4,873 |
| Average total loans | $83,688,000 | 4,070 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8209% | 3,999 |
| Cost of funding earning assets | 1.1773% | 2,725 |
| Net interest margin | 3.6436% | 4,547 |
| Noninterest income to average assets | 0.4036% | 4,655 |
| Noninterest expense to average assets | 2.3179% | 6,076 |
| Loan and lease loss provision to assets | 0.1156% | 4,837 |
| Net operating income to assets | 0.8993% | 2,646 |
| Return on assets (ROA) | 0.8993% | 2,754 |
| Pretax return on assets | 1.3539% | 1,944 |
| Return on Equity (ROE) | 8.6571% | 2,655 |
| Retained earnings to average equity (ytd only) | 5.2244% | 2,860 |
| Net charge-offs to loans | 0.0432% | 5,255 |
| Credit loss provision to net charge-offs | 327.7778% | 930 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 723 |
| Efficiency ratio | 61.2002% | 5,701 |
| Assets per employee ($millions) | 4.8386% | 2,363 |
| Cash dividends to net income (ytd only)* | 39.6514% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,904 |
| Loan loss allowance to noncurrent loans | 1,829.5082% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 6,948 |
| Noncurrent loans to loans | 0.0729% | 6,800 |
| Net loans and leases to total assets | 81.2410% | 428 |
| Net loans and leases to deposits | 98.8942% | 550 |
| Net loans and leases to core deposits | 106.3789% | 905 |
| Total domestic deposits to total assets | 82.1494% | 5,114 |
| Equity capital to assets | 10.5836% | 3,398 |
| Core capital (leverage) ratio | 10.4345% | 2,779 |
| Tier 1 risk-based capital ratio | 14.2490% | 3,980 |
| Total risk-based capital ratio | 15.5024% | 3,950 |
| Memoranda: | ||
| Average total assets | $102,075,000 | 4,898 |
| Average earning assets | $94,795,670 | 4,859 |
| Average equity | $10,604,000 | 4,896 |
| Average total loans | $83,343,670 | 4,115 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7830% | 4,134 |
| Cost of funding earning assets | 1.2021% | 2,803 |
| Net interest margin | 3.5809% | 4,658 |
| Noninterest income to average assets | 0.4418% | 4,347 |
| Noninterest expense to average assets | 2.3107% | 6,161 |
| Loan and lease loss provision to assets | 0.1251% | 4,433 |
| Net operating income to assets | 0.8758% | 2,679 |
| Return on assets (ROA) | 0.8758% | 2,734 |
| Pretax return on assets | 1.3254% | 1,961 |
| Return on Equity (ROE) | 8.5098% | 2,692 |
| Retained earnings to average equity (ytd only) | 5.1287% | 3,102 |
| Net charge-offs to loans | 0.0337% | 4,629 |
| Credit loss provision to net charge-offs | 457.1429% | 768 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 552 |
| Efficiency ratio | 61.4345% | 5,771 |
| Assets per employee ($millions) | 5.4391% | 1,627 |
| Cash dividends to net income (ytd only)* | 39.7321% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 5,051 |
| Loan loss allowance to noncurrent loans | 230.6080% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 6,065 |
| Noncurrent loans to loans | 0.5710% | 5,880 |
| Net loans and leases to total assets | 79.7711% | 530 |
| Net loans and leases to deposits | 97.8202% | 583 |
| Net loans and leases to core deposits | 104.9778% | 1,006 |
| Total domestic deposits to total assets | 81.5486% | 5,479 |
| Equity capital to assets | 10.2591% | 3,460 |
| Core capital (leverage) ratio | 10.3349% | 2,773 |
| Tier 1 risk-based capital ratio | 14.0576% | 4,034 |
| Total risk-based capital ratio | 15.3108% | 4,011 |
| Memoranda: | ||
| Average total assets | $102,307,500 | 4,938 |
| Average earning assets | $94,835,500 | 4,894 |
| Average equity | $10,529,000 | 4,912 |
| Average total loans | $83,183,000 | 4,158 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1086% | 4,062 |
| Cost of funding earning assets | 1.3969% | 3,292 |
| Net interest margin | 3.7118% | 4,301 |
| Noninterest income to average assets | 0.3584% | 5,245 |
| Noninterest expense to average assets | 2.2959% | 6,368 |
| Loan and lease loss provision to assets | 0.1996% | 5,240 |
| Net operating income to assets | 0.8414% | 2,628 |
| Return on assets (ROA) | 0.8837% | 2,589 |
| Pretax return on assets | 1.3612% | 1,767 |
| Return on Equity (ROE) | 8.4523% | 2,515 |
| Retained earnings to average equity (ytd only) | 4.6351% | 2,646 |
| Net charge-offs to loans | 0.0596% | 6,199 |
| Credit loss provision to net charge-offs | 408.3333% | 593 |
| Earnings coverage of net charge-offs (x) | 30.6042% | 717 |
| Efficiency ratio | 60.5532% | 5,959 |
| Assets per employee ($millions) | 5.0637% | 2,066 |
| Cash dividends to net income (ytd only)* | 45.1613% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 5,014 |
| Loan loss allowance to noncurrent loans | 516.8269% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 6,449 |
| Noncurrent loans to loans | 0.2511% | 6,564 |
| Net loans and leases to total assets | 80.7264% | 573 |
| Net loans and leases to deposits | 99.1895% | 625 |
| Net loans and leases to core deposits | 108.0059% | 1,045 |
| Total domestic deposits to total assets | 81.3860% | 5,394 |
| Equity capital to assets | 10.3246% | 3,359 |
| Core capital (leverage) ratio | 10.2703% | 2,798 |
| Tier 1 risk-based capital ratio | 13.8729% | 3,945 |
| Total risk-based capital ratio | 15.1256% | 3,927 |
| Memoranda: | ||
| Average total assets | $98,219,600 | 5,043 |
| Average earning assets | $90,846,600 | 4,990 |
| Average equity | $10,269,400 | 5,053 |
| Average total loans | $80,530,200 | 4,327 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1126% | 4,252 |
| Cost of funding earning assets | 1.4316% | 3,384 |
| Net interest margin | 3.6810% | 4,503 |
| Noninterest income to average assets | 0.3735% | 5,162 |
| Noninterest expense to average assets | 2.3217% | 6,259 |
| Loan and lease loss provision to assets | 0.1737% | 5,304 |
| Net operating income to assets | 0.7840% | 3,068 |
| Return on assets (ROA) | 0.8400% | 2,972 |
| Pretax return on assets | 1.3708% | 1,968 |
| Return on Equity (ROE) | 8.0081% | 2,897 |
| Retained earnings to average equity (ytd only) | 5.2170% | 2,833 |
| Net charge-offs to loans | -0.1467% | 7,596 |
| Credit loss provision to net charge-offs | -144.3182% | 6,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4410% | 5,716 |
| Assets per employee ($millions) | 4.7419% | 2,536 |
| Cash dividends to net income (ytd only)* | 34.8537% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 4,401 |
| Loan loss allowance to noncurrent loans | 645.1977% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 6,615 |
| Noncurrent loans to loans | 0.2186% | 6,740 |
| Net loans and leases to total assets | 80.1587% | 722 |
| Net loans and leases to deposits | 98.9954% | 722 |
| Net loans and leases to core deposits | 107.0459% | 1,238 |
| Total domestic deposits to total assets | 80.9721% | 5,375 |
| Equity capital to assets | 10.5122% | 3,497 |
| Core capital (leverage) ratio | 10.4030% | 2,796 |
| Tier 1 risk-based capital ratio | 13.9870% | 3,848 |
| Total risk-based capital ratio | 15.2405% | 3,813 |
| Memoranda: | ||
| Average total assets | $97,456,250 | 5,124 |
| Average earning assets | $90,153,750 | 5,063 |
| Average equity | $10,222,750 | 5,131 |
| Average total loans | $79,955,500 | 4,407 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 4,361 |
| Cost of funding earning assets | 1.4605% | 3,492 |
| Net interest margin | 3.6568% | 4,553 |
| Noninterest income to average assets | 0.3866% | 5,020 |
| Noninterest expense to average assets | 2.3008% | 6,353 |
| Loan and lease loss provision to assets | 0.2005% | 4,865 |
| Net operating income to assets | 0.7339% | 3,259 |
| Return on assets (ROA) | 0.7339% | 3,412 |
| Pretax return on assets | 1.2651% | 2,201 |
| Return on Equity (ROE) | 7.0013% | 3,299 |
| Retained earnings to average equity (ytd only) | 4.5360% | 3,186 |
| Net charge-offs to loans | -0.2487% | 7,669 |
| Credit loss provision to net charge-offs | -97.9798% | 6,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0867% | 5,835 |
| Assets per employee ($millions) | 4.4671% | 2,929 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 4,466 |
| Loan loss allowance to noncurrent loans | 545.1456% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 6,391 |
| Noncurrent loans to loans | 0.2553% | 6,720 |
| Net loans and leases to total assets | 80.9772% | 672 |
| Net loans and leases to deposits | 100.1359% | 711 |
| Net loans and leases to core deposits | 108.6681% | 1,250 |
| Total domestic deposits to total assets | 80.8673% | 5,446 |
| Equity capital to assets | 10.4796% | 3,436 |
| Core capital (leverage) ratio | 10.3344% | 2,785 |
| Tier 1 risk-based capital ratio | 13.9671% | 3,755 |
| Total risk-based capital ratio | 15.2204% | 3,709 |
| Memoranda: | ||
| Average total assets | $96,748,330 | 5,171 |
| Average earning assets | $89,421,670 | 5,119 |
| Average equity | $10,141,000 | 5,161 |
| Average total loans | $79,619,330 | 4,453 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 4,665 |
| Cost of funding earning assets | 1.4983% | 3,573 |
| Net interest margin | 3.5744% | 4,838 |
| Noninterest income to average assets | 0.3751% | 5,138 |
| Noninterest expense to average assets | 2.2504% | 6,541 |
| Loan and lease loss provision to assets | 0.2500% | 4,046 |
| Net operating income to assets | 0.7085% | 3,404 |
| Return on assets (ROA) | 0.7085% | 3,510 |
| Pretax return on assets | 1.1752% | 2,457 |
| Return on Equity (ROE) | 6.7581% | 3,473 |
| Retained earnings to average equity (ytd only) | 3.3790% | 4,130 |
| Net charge-offs to loans | -0.0961% | 7,513 |
| Credit loss provision to net charge-offs | -315.7895% | 6,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2245% | 5,959 |
| Assets per employee ($millions) | 4.8793% | 2,394 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 5,089 |
| Loan loss allowance to noncurrent loans | 307.6453% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 6,129 |
| Noncurrent loans to loans | 0.4128% | 6,469 |
| Net loans and leases to total assets | 80.1404% | 827 |
| Net loans and leases to deposits | 98.9110% | 827 |
| Net loans and leases to core deposits | 107.0304% | 1,493 |
| Total domestic deposits to total assets | 81.0227% | 5,452 |
| Equity capital to assets | 10.3735% | 3,372 |
| Core capital (leverage) ratio | 10.4028% | 2,714 |
| Tier 1 risk-based capital ratio | 13.7559% | 3,833 |
| Total risk-based capital ratio | 15.0081% | 3,783 |
| Memoranda: | ||
| Average total assets | $95,984,000 | 5,258 |
| Average earning assets | $88,631,000 | 5,209 |
| Average equity | $10,062,000 | 5,221 |
| Average total loans | $79,076,500 | 4,541 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 3,215 |
| Cost of funding earning assets | 1.8814% | 3,555 |
| Net interest margin | 3.7973% | 3,717 |
| Noninterest income to average assets | 0.3763% | 5,405 |
| Noninterest expense to average assets | 2.4448% | 6,322 |
| Loan and lease loss provision to assets | 0.3380% | 4,773 |
| Net operating income to assets | 0.7554% | 2,694 |
| Return on assets (ROA) | 0.7591% | 2,778 |
| Pretax return on assets | 1.0939% | 2,276 |
| Return on Equity (ROE) | 7.0981% | 2,753 |
| Retained earnings to average equity (ytd only) | 3.3854% | 2,797 |
| Net charge-offs to loans | 0.4254% | 4,093 |
| Credit loss provision to net charge-offs | 94.4954% | 5,831 |
| Earnings coverage of net charge-offs (x) | 3.9878% | 3,115 |
| Efficiency ratio | 63.1534% | 5,939 |
| Assets per employee ($millions) | 4.9675% | 2,262 |
| Cash dividends to net income (ytd only)* | 52.3055% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 5,507 |
| Loan loss allowance to noncurrent loans | 276.7164% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 5,405 |
| Noncurrent loans to loans | 0.4244% | 6,420 |
| Net loans and leases to total assets | 82.6579% | 584 |
| Net loans and leases to deposits | 103.2887% | 684 |
| Net loans and leases to core deposits | 138.2093% | 870 |
| Total domestic deposits to total assets | 80.0261% | 5,665 |
| Equity capital to assets | 10.5962% | 3,071 |
| Core capital (leverage) ratio | 10.5845% | 2,523 |
| Tier 1 risk-based capital ratio | 13.6411% | 3,730 |
| Total risk-based capital ratio | 14.8907% | 3,667 |
| Memoranda: | ||
| Average total assets | $91,419,200 | 5,353 |
| Average earning assets | $84,139,000 | 5,327 |
| Average equity | $9,777,200 | 5,359 |
| Average total loans | $76,870,600 | 4,626 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7466% | 3,113 |
| Cost of funding earning assets | 1.9683% | 3,528 |
| Net interest margin | 3.7783% | 3,746 |
| Noninterest income to average assets | 0.3999% | 5,287 |
| Noninterest expense to average assets | 2.4658% | 6,195 |
| Loan and lease loss provision to assets | 0.2411% | 5,035 |
| Net operating income to assets | 0.8036% | 2,802 |
| Return on assets (ROA) | 0.8087% | 2,841 |
| Pretax return on assets | 1.1778% | 2,332 |
| Return on Equity (ROE) | 7.5435% | 2,847 |
| Retained earnings to average equity (ytd only) | 3.7306% | 3,201 |
| Net charge-offs to loans | 0.2794% | 4,283 |
| Credit loss provision to net charge-offs | 102.5000% | 4,963 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,689 |
| Efficiency ratio | 63.5950% | 5,826 |
| Assets per employee ($millions) | 4.8799% | 2,292 |
| Cash dividends to net income (ytd only)* | 50.5455% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 5,043 |
| Loan loss allowance to noncurrent loans | 202.3454% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9135% | 5,247 |
| Noncurrent loans to loans | 0.5987% | 6,109 |
| Net loans and leases to total assets | 83.4608% | 611 |
| Net loans and leases to deposits | 103.6763% | 797 |
| Net loans and leases to core deposits | 139.8439% | 923 |
| Total domestic deposits to total assets | 80.5013% | 5,245 |
| Equity capital to assets | 10.7238% | 3,266 |
| Core capital (leverage) ratio | 10.7426% | 2,610 |
| Tier 1 risk-based capital ratio | 13.4630% | 3,880 |
| Total risk-based capital ratio | 14.7129% | 3,816 |
| Memoranda: | ||
| Average total assets | $90,678,250 | 5,405 |
| Average earning assets | $83,455,750 | 5,388 |
| Average equity | $9,721,250 | 5,422 |
| Average total loans | $76,352,750 | 4,685 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8253% | 2,930 |
| Cost of funding earning assets | 2.0812% | 3,355 |
| Net interest margin | 3.7442% | 3,774 |
| Noninterest income to average assets | 0.3956% | 5,331 |
| Noninterest expense to average assets | 2.4356% | 6,351 |
| Loan and lease loss provision to assets | 0.1822% | 5,217 |
| Net operating income to assets | 0.7862% | 2,907 |
| Return on assets (ROA) | 0.7934% | 2,971 |
| Pretax return on assets | 1.2311% | 2,214 |
| Return on Equity (ROE) | 7.4010% | 3,027 |
| Retained earnings to average equity (ytd only) | 3.3999% | 3,429 |
| Net charge-offs to loans | 0.0185% | 6,261 |
| Credit loss provision to net charge-offs | 1,171.4286% | 427 |
| Earnings coverage of net charge-offs (x) | 90.1429% | 426 |
| Efficiency ratio | 63.4627% | 6,009 |
| Assets per employee ($millions) | 4.8054% | 2,314 |
| Cash dividends to net income (ytd only)* | 54.0616% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,159 |
| Loan loss allowance to noncurrent loans | 121.8638% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.3045% | 4,335 |
| Noncurrent loans to loans | 1.0832% | 5,032 |
| Net loans and leases to total assets | 83.5130% | 703 |
| Net loans and leases to deposits | 101.5354% | 1,113 |
| Net loans and leases to core deposits | 137.0990% | 1,153 |
| Total domestic deposits to total assets | 82.2501% | 4,592 |
| Equity capital to assets | 10.6909% | 3,212 |
| Core capital (leverage) ratio | 10.8423% | 2,532 |
| Tier 1 risk-based capital ratio | 13.6057% | 3,754 |
| Total risk-based capital ratio | 14.8581% | 3,675 |
| Memoranda: | ||
| Average total assets | $89,998,000 | 5,458 |
| Average earning assets | $82,742,000 | 5,445 |
| Average equity | $9,647,330 | 5,475 |
| Average total loans | $75,692,670 | 4,747 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9071% | 2,762 |
| Cost of funding earning assets | 2.2420% | 2,951 |
| Net interest margin | 3.6651% | 4,039 |
| Noninterest income to average assets | 0.3985% | 5,217 |
| Noninterest expense to average assets | 2.4131% | 6,148 |
| Loan and lease loss provision to assets | 0.1656% | 4,810 |
| Net operating income to assets | 0.8148% | 3,067 |
| Return on assets (ROA) | 0.8148% | 3,221 |
| Pretax return on assets | 1.1864% | 2,669 |
| Return on Equity (ROE) | 7.5908% | 3,333 |
| Retained earnings to average equity (ytd only) | 4.0874% | 3,625 |
| Net charge-offs to loans | 0.1976% | 3,453 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 8.1622% | 2,235 |
| Efficiency ratio | 64.0904% | 5,673 |
| Assets per employee ($millions) | 4.7209% | 2,412 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 4,353 |
| Loan loss allowance to noncurrent loans | 199.3671% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 5,200 |
| Noncurrent loans to loans | 0.6312% | 5,823 |
| Net loans and leases to total assets | 82.6663% | 904 |
| Net loans and leases to deposits | 97.9654% | 1,672 |
| Net loans and leases to core deposits | 132.6666% | 1,490 |
| Total domestic deposits to total assets | 84.3832% | 3,517 |
| Equity capital to assets | 10.8130% | 3,170 |
| Core capital (leverage) ratio | 10.8669% | 2,607 |
| Tier 1 risk-based capital ratio | 13.6818% | 3,754 |
| Total risk-based capital ratio | 14.9329% | 3,674 |
| Memoranda: | ||
| Average total assets | $89,346,000 | 5,510 |
| Average earning assets | $82,070,500 | 5,484 |
| Average equity | $9,590,500 | 5,510 |
| Average total loans | $74,904,500 | 4,812 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5895% | 2,542 |
| Cost of funding earning assets | 2.8075% | 2,675 |
| Net interest margin | 3.7819% | 4,095 |
| Noninterest income to average assets | 0.4413% | 5,104 |
| Noninterest expense to average assets | 2.3396% | 6,589 |
| Loan and lease loss provision to assets | 0.1907% | 4,979 |
| Net operating income to assets | 0.9314% | 2,871 |
| Return on assets (ROA) | 0.9314% | 2,722 |
| Pretax return on assets | 1.3927% | 1,993 |
| Return on Equity (ROE) | 9.0040% | 2,643 |
| Retained earnings to average equity (ytd only) | 5.1773% | 1,916 |
| Net charge-offs to loans | 0.1694% | 4,508 |
| Credit loss provision to net charge-offs | 135.4331% | 3,937 |
| Earnings coverage of net charge-offs (x) | 11.2441% | 2,394 |
| Efficiency ratio | 59.6382% | 6,415 |
| Assets per employee ($millions) | 4.6839% | 2,357 |
| Cash dividends to net income (ytd only)* | 42.5000% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 4,023 |
| Loan loss allowance to noncurrent loans | 129.2750% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 4,564 |
| Noncurrent loans to loans | 0.9784% | 4,640 |
| Net loans and leases to total assets | 82.8921% | 1,063 |
| Net loans and leases to deposits | 98.0971% | 2,111 |
| Net loans and leases to core deposits | 132.0274% | 1,721 |
| Total domestic deposits to total assets | 84.5001% | 3,078 |
| Equity capital to assets | 10.6547% | 3,336 |
| Core capital (leverage) ratio | 10.6994% | 2,822 |
| Tier 1 risk-based capital ratio | 13.8406% | 3,627 |
| Total risk-based capital ratio | 15.0918% | 3,546 |
| Memoranda: | ||
| Average total assets | $90,185,000 | 5,348 |
| Average earning assets | $83,026,600 | 5,328 |
| Average equity | $9,329,200 | 5,625 |
| Average total loans | $74,984,200 | 4,691 |