Home > The State Bank of Faribault > Performance and Condition Ratios
The State Bank of Faribault, 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 | 4.6654% | 2,755 |
| Cost of funding earning assets | 1.4036% | 2,221 |
| Net interest margin | 3.2618% | 2,728 |
| Noninterest income to average assets | 0.9700% | 666 |
| Noninterest expense to average assets | 2.9631% | 1,175 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.8325% | 2,770 |
| Return on assets (ROA) | 0.8431% | 2,706 |
| Pretax return on assets | 0.9049% | 2,952 |
| Return on Equity (ROE) | 21.3800% | 510 |
| Retained earnings to average equity (ytd only) | 16.0447% | 267 |
| Net charge-offs to loans | 0.1737% | 615 |
| Credit loss provision to net charge-offs | 116.2963% | 1,705 |
| Earnings coverage of net charge-offs (x) | 10.7963% | 2,223 |
| Efficiency ratio | 74.7400% | 1,375 |
| Assets per employee ($millions) | 6.7200% | 2,260 |
| Cash dividends to net income (ytd only)* | 24.9389% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8822% | 458 |
| Loan loss allowance to noncurrent loans | 4,740.3226% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 2,744 |
| Noncurrent loans to loans | 0.0397% | 3,439 |
| Net loans and leases to total assets | 51.8100% | 3,488 |
| Net loans and leases to deposits | 55.0303% | 3,750 |
| Net loans and leases to core deposits | 56.4417% | 3,897 |
| Total domestic deposits to total assets | 94.1600% | 100 |
| Equity capital to assets | 4.7416% | 4,445 |
| Core capital (leverage) ratio | 9.3510% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3030% | 1,760 |
| Memoranda: | ||
| Average total assets | $291,076,800 | 2,463 |
| Average earning assets | $267,674,000 | 2,474 |
| Average equity | $11,480,400 | 3,577 |
| Average total loans | $155,458,000 | 2,629 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5427% | 2,816 |
| Cost of funding earning assets | 1.3006% | 2,143 |
| Net interest margin | 3.2421% | 2,816 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 3.0149% | 1,051 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.8024% | 3,020 |
| Return on assets (ROA) | 0.8024% | 3,017 |
| Pretax return on assets | 0.8710% | 3,173 |
| Return on Equity (ROE) | 18.6800% | 857 |
| Retained earnings to average equity (ytd only) | 12.1642% | 945 |
| Net charge-offs to loans | 0.1288% | 627 |
| Credit loss provision to net charge-offs | 152.6667% | 1,313 |
| Earnings coverage of net charge-offs (x) | 14.2267% | 2,002 |
| Efficiency ratio | 75.5500% | 1,216 |
| Assets per employee ($millions) | 6.6833% | 2,196 |
| Cash dividends to net income (ytd only)* | 34.8718% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9256% | 451 |
| Loan loss allowance to noncurrent loans | 5,310.7143% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 2,753 |
| Noncurrent loans to loans | 0.0363% | 3,506 |
| Net loans and leases to total assets | 51.5100% | 3,527 |
| Net loans and leases to deposits | 55.2511% | 3,743 |
| Net loans and leases to core deposits | 57.2755% | 3,803 |
| Total domestic deposits to total assets | 93.2300% | 270 |
| Equity capital to assets | 5.5620% | 4,127 |
| Core capital (leverage) ratio | 9.7923% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0301% | 1,553 |
| Memoranda: | ||
| Average total assets | $291,608,750 | 2,468 |
| Average earning assets | $268,174,250 | 2,473 |
| Average equity | $12,528,250 | 3,471 |
| Average total loans | $155,286,250 | 2,637 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 2,672 |
| Cost of funding earning assets | 1.2086% | 1,958 |
| Net interest margin | 3.2789% | 2,799 |
| Noninterest income to average assets | 1.1100% | 486 |
| Noninterest expense to average assets | 3.1294% | 867 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.8363% | 2,970 |
| Return on assets (ROA) | 0.8363% | 2,980 |
| Pretax return on assets | 0.9003% | 3,165 |
| Return on Equity (ROE) | 21.6100% | 570 |
| Retained earnings to average equity (ytd only) | 12.6552% | 864 |
| Net charge-offs to loans | 0.1196% | 607 |
| Credit loss provision to net charge-offs | 153.7634% | 1,182 |
| Earnings coverage of net charge-offs (x) | 15.6129% | 1,848 |
| Efficiency ratio | 75.8081% | 1,187 |
| Assets per employee ($millions) | 6.4205% | 2,363 |
| Cash dividends to net income (ytd only)* | 41.4474% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 531 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 2,798 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 53.6000% | 3,295 |
| Net loans and leases to deposits | 58.0369% | 3,533 |
| Net loans and leases to core deposits | 60.7583% | 3,590 |
| Total domestic deposits to total assets | 92.3500% | 352 |
| Equity capital to assets | 3.8879% | 4,512 |
| Core capital (leverage) ratio | 9.0395% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7996% | 1,987 |
| Memoranda: | ||
| Average total assets | $290,790,000 | 2,481 |
| Average earning assets | $268,080,667 | 2,486 |
| Average equity | $11,252,333 | 3,608 |
| Average total loans | $155,566,333 | 2,631 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 2,831 |
| Cost of funding earning assets | 1.0655% | 1,847 |
| Net interest margin | 3.2218% | 3,064 |
| Noninterest income to average assets | 1.4700% | 338 |
| Noninterest expense to average assets | 3.1825% | 824 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.1024% | 2,218 |
| Return on assets (ROA) | 1.1024% | 2,183 |
| Pretax return on assets | 1.1518% | 2,555 |
| Return on Equity (ROE) | 28.5600% | 268 |
| Retained earnings to average equity (ytd only) | 28.5562% | 128 |
| Net charge-offs to loans | 0.1088% | 564 |
| Credit loss provision to net charge-offs | 200.0000% | 827 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,428 |
| Efficiency ratio | 71.5254% | 1,577 |
| Assets per employee ($millions) | 6.6150% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8896% | 551 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 2,783 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 51.2300% | 3,404 |
| Net loans and leases to deposits | 54.0598% | 3,678 |
| Net loans and leases to core deposits | 56.3049% | 3,723 |
| Total domestic deposits to total assets | 94.7600% | 111 |
| Equity capital to assets | 4.1928% | 4,528 |
| Core capital (leverage) ratio | 9.0259% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9462% | 1,990 |
| Memoranda: | ||
| Average total assets | $291,724,000 | 2,509 |
| Average earning assets | $269,541,500 | 2,506 |
| Average equity | $11,262,000 | 3,649 |
| Average total loans | $154,450,000 | 2,665 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 1,919 |
| Cost of funding earning assets | 0.3322% | 2,615 |
| Net interest margin | 3.5933% | 1,665 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 3.2404% | 681 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7833% | 3,384 |
| Return on assets (ROA) | 0.7486% | 3,426 |
| Pretax return on assets | 0.8333% | 3,537 |
| Return on Equity (ROE) | 15.4600% | 1,151 |
| Retained earnings to average equity (ytd only) | 6.0617% | 2,620 |
| Net charge-offs to loans | -0.0660% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.5599% | 816 |
| Assets per employee ($millions) | 6.3505% | 2,466 |
| Cash dividends to net income (ytd only)* | 60.7944% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8864% | 554 |
| Loan loss allowance to noncurrent loans | 1,507.8125% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 1,863 |
| Noncurrent loans to loans | 0.1251% | 2,888 |
| Net loans and leases to total assets | 52.6900% | 3,309 |
| Net loans and leases to deposits | 55.2069% | 3,616 |
| Net loans and leases to core deposits | 57.6809% | 3,636 |
| Total domestic deposits to total assets | 95.4400% | 109 |
| Equity capital to assets | 3.5143% | 4,567 |
| Core capital (leverage) ratio | 8.8662% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6566% | 2,103 |
| Memoranda: | ||
| Average total assets | $285,856,200 | 2,523 |
| Average earning assets | $264,576,000 | 2,526 |
| Average equity | $13,841,000 | 3,489 |
| Average total loans | $149,968,600 | 2,634 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 1,779 |
| Cost of funding earning assets | 0.2270% | 2,963 |
| Net interest margin | 3.5680% | 1,468 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 3.0273% | 874 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0047% | 2,464 |
| Return on assets (ROA) | 1.0055% | 2,428 |
| Pretax return on assets | 1.0904% | 2,755 |
| Return on Equity (ROE) | 19.4400% | 483 |
| Retained earnings to average equity (ytd only) | 7.7075% | 2,111 |
| Net charge-offs to loans | -0.0733% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.3115% | 1,347 |
| Assets per employee ($millions) | 6.1810% | 2,592 |
| Cash dividends to net income (ytd only)* | 60.3432% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8761% | 631 |
| Loan loss allowance to noncurrent loans | 2,473.2759% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 2,061 |
| Noncurrent loans to loans | 0.0759% | 3,334 |
| Net loans and leases to total assets | 52.7800% | 3,206 |
| Net loans and leases to deposits | 54.6945% | 3,567 |
| Net loans and leases to core deposits | 57.4429% | 3,534 |
| Total domestic deposits to total assets | 96.4900% | 99 |
| Equity capital to assets | 2.4388% | 4,639 |
| Core capital (leverage) ratio | 8.8520% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6512% | 2,197 |
| Memoranda: | ||
| Average total assets | $285,876,750 | 2,541 |
| Average earning assets | $264,905,500 | 2,543 |
| Average equity | $14,790,500 | 3,426 |
| Average total loans | $149,093,750 | 2,649 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6565% | 1,664 |
| Cost of funding earning assets | 0.1677% | 3,344 |
| Net interest margin | 3.4888% | 1,346 |
| Noninterest income to average assets | 0.8240% | 993 |
| Noninterest expense to average assets | 2.9358% | 933 |
| Loan and lease loss provision to assets | 0.0126% | 2,368 |
| Net operating income to assets | 1.0300% | 2,044 |
| Return on assets (ROA) | 1.0300% | 2,018 |
| Pretax return on assets | 1.1152% | 2,347 |
| Return on Equity (ROE) | 16.9449% | 574 |
| Retained earnings to average equity (ytd only) | 4.5952% | 2,845 |
| Net charge-offs to loans | -0.0934% | 4,423 |
| Credit loss provision to net charge-offs | -26.0870% | 2,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2461% | 1,709 |
| Assets per employee ($millions) | 6.1622% | 2,605 |
| Cash dividends to net income (ytd only)* | 72.8814% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8862% | 684 |
| Loan loss allowance to noncurrent loans | 2,454.3103% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 2,173 |
| Noncurrent loans to loans | 0.0769% | 3,403 |
| Net loans and leases to total assets | 51.1330% | 3,252 |
| Net loans and leases to deposits | 53.8610% | 3,546 |
| Net loans and leases to core deposits | 56.6431% | 3,515 |
| Total domestic deposits to total assets | 94.9352% | 148 |
| Equity capital to assets | 4.0863% | 4,614 |
| Core capital (leverage) ratio | 8.5614% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7690% | 2,173 |
| Memoranda: | ||
| Average total assets | $286,394,333 | 2,554 |
| Average earning assets | $265,937,333 | 2,563 |
| Average equity | $17,409,333 | 3,280 |
| Average total loans | $147,816,333 | 2,670 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5706% | 1,587 |
| Cost of funding earning assets | 0.1552% | 3,431 |
| Net interest margin | 3.4154% | 1,268 |
| Noninterest income to average assets | 0.7318% | 1,217 |
| Noninterest expense to average assets | 2.9258% | 917 |
| Loan and lease loss provision to assets | 0.0126% | 2,115 |
| Net operating income to assets | 0.8905% | 2,312 |
| Return on assets (ROA) | 0.8905% | 2,312 |
| Pretax return on assets | 0.9776% | 2,510 |
| Return on Equity (ROE) | 12.5566% | 1,139 |
| Retained earnings to average equity (ytd only) | -1.3072% | 4,173 |
| Net charge-offs to loans | -0.1723% | 4,577 |
| Credit loss provision to net charge-offs | -14.2857% | 2,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7131% | 1,656 |
| Assets per employee ($millions) | 6.2723% | 2,584 |
| Cash dividends to net income (ytd only)* | 110.4101% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9198% | 714 |
| Loan loss allowance to noncurrent loans | 1,132.8000% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 2,671 |
| Noncurrent loans to loans | 0.1695% | 2,967 |
| Net loans and leases to total assets | 50.1463% | 3,158 |
| Net loans and leases to deposits | 53.6447% | 3,444 |
| Net loans and leases to core deposits | 55.8401% | 3,458 |
| Total domestic deposits to total assets | 93.4785% | 174 |
| Equity capital to assets | 5.5614% | 4,652 |
| Core capital (leverage) ratio | 8.4171% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9298% | 2,247 |
| Memoranda: | ||
| Average total assets | $284,779,000 | 2,582 |
| Average earning assets | $265,505,000 | 2,580 |
| Average equity | $20,196,500 | 3,130 |
| Average total loans | $146,254,000 | 2,674 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 1,547 |
| Cost of funding earning assets | 0.1804% | 3,655 |
| Net interest margin | 3.7456% | 1,108 |
| Noninterest income to average assets | 0.8973% | 1,206 |
| Noninterest expense to average assets | 3.2224% | 700 |
| Loan and lease loss provision to assets | 0.0952% | 1,313 |
| Net operating income to assets | 0.9420% | 2,895 |
| Return on assets (ROA) | 0.9524% | 2,932 |
| Pretax return on assets | 1.0628% | 3,096 |
| Return on Equity (ROE) | 11.0051% | 2,165 |
| Retained earnings to average equity (ytd only) | 3.9295% | 3,243 |
| Net charge-offs to loans | 0.1386% | 671 |
| Credit loss provision to net charge-offs | 136.1809% | 1,548 |
| Earnings coverage of net charge-offs (x) | 16.3970% | 1,975 |
| Efficiency ratio | 73.7595% | 1,331 |
| Assets per employee ($millions) | 5.9794% | 2,794 |
| Cash dividends to net income (ytd only)* | 64.2936% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 722 |
| Loan loss allowance to noncurrent loans | 1,104.0000% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 2,758 |
| Noncurrent loans to loans | 0.1724% | 3,089 |
| Net loans and leases to total assets | 50.6102% | 3,206 |
| Net loans and leases to deposits | 55.9977% | 3,413 |
| Net loans and leases to core deposits | 58.4336% | 3,442 |
| Total domestic deposits to total assets | 90.3791% | 772 |
| Equity capital to assets | 8.6634% | 3,922 |
| Core capital (leverage) ratio | 8.3963% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0405% | 2,231 |
| Memoranda: | ||
| Average total assets | $284,634,400 | 2,510 |
| Average earning assets | $263,804,800 | 2,530 |
| Average equity | $24,634,000 | 2,873 |
| Average total loans | $143,621,600 | 2,693 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 1,658 |
| Cost of funding earning assets | 0.1837% | 3,776 |
| Net interest margin | 3.7597% | 1,207 |
| Noninterest income to average assets | 0.8979% | 1,261 |
| Noninterest expense to average assets | 2.9945% | 987 |
| Loan and lease loss provision to assets | 0.1107% | 1,095 |
| Net operating income to assets | 1.2696% | 1,921 |
| Return on assets (ROA) | 1.2696% | 1,975 |
| Pretax return on assets | 1.2715% | 2,699 |
| Return on Equity (ROE) | 14.6737% | 1,202 |
| Retained earnings to average equity (ytd only) | 5.2672% | 3,112 |
| Net charge-offs to loans | 0.0056% | 2,120 |
| Credit loss provision to net charge-offs | 3,950.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 493.3333% | 304 |
| Efficiency ratio | 68.4199% | 1,776 |
| Assets per employee ($millions) | 6.1348% | 2,560 |
| Cash dividends to net income (ytd only)* | 64.1045% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0173% | 613 |
| Loan loss allowance to noncurrent loans | 584.9699% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 2,529 |
| Noncurrent loans to loans | 0.3449% | 2,543 |
| Net loans and leases to total assets | 48.1470% | 3,616 |
| Net loans and leases to deposits | 53.1916% | 3,801 |
| Net loans and leases to core deposits | 55.3918% | 3,821 |
| Total domestic deposits to total assets | 90.5161% | 552 |
| Equity capital to assets | 8.5133% | 4,205 |
| Core capital (leverage) ratio | 8.5869% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2197% | 2,290 |
| Memoranda: | ||
| Average total assets | $285,534,500 | 2,524 |
| Average earning assets | $264,201,250 | 2,543 |
| Average equity | $24,705,750 | 2,905 |
| Average total loans | $143,279,000 | 2,732 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 1,861 |
| Cost of funding earning assets | 0.1936% | 3,821 |
| Net interest margin | 3.6895% | 1,378 |
| Noninterest income to average assets | 0.8819% | 1,320 |
| Noninterest expense to average assets | 2.9778% | 1,022 |
| Loan and lease loss provision to assets | 0.1090% | 1,158 |
| Net operating income to assets | 1.2047% | 2,176 |
| Return on assets (ROA) | 1.2047% | 2,248 |
| Pretax return on assets | 1.2075% | 2,881 |
| Return on Equity (ROE) | 13.8460% | 1,458 |
| Retained earnings to average equity (ytd only) | 3.8398% | 3,572 |
| Net charge-offs to loans | 0.0266% | 1,419 |
| Credit loss provision to net charge-offs | 810.5263% | 538 |
| Earnings coverage of net charge-offs (x) | 97.8947% | 761 |
| Efficiency ratio | 69.3423% | 1,723 |
| Assets per employee ($millions) | 5.7355% | 2,861 |
| Cash dividends to net income (ytd only)* | 72.2679% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9585% | 661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 3,663 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 48.3122% | 3,698 |
| Net loans and leases to deposits | 53.3612% | 3,902 |
| Net loans and leases to core deposits | 55.7668% | 3,907 |
| Total domestic deposits to total assets | 90.5381% | 541 |
| Equity capital to assets | 8.4134% | 4,270 |
| Core capital (leverage) ratio | 8.3164% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5749% | 2,131 |
| Memoranda: | ||
| Average total assets | $282,556,333 | 2,543 |
| Average earning assets | $261,335,667 | 2,551 |
| Average equity | $24,584,667 | 2,902 |
| Average total loans | $142,806,333 | 2,753 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 2,092 |
| Cost of funding earning assets | 0.2032% | 3,882 |
| Net interest margin | 3.6010% | 1,584 |
| Noninterest income to average assets | 0.9496% | 1,219 |
| Noninterest expense to average assets | 2.8907% | 1,169 |
| Loan and lease loss provision to assets | 0.1110% | 1,251 |
| Net operating income to assets | 1.2623% | 1,938 |
| Return on assets (ROA) | 1.2623% | 2,016 |
| Pretax return on assets | 1.2681% | 2,660 |
| Return on Equity (ROE) | 14.2601% | 1,381 |
| Retained earnings to average equity (ytd only) | 2.8650% | 3,821 |
| Net charge-offs to loans | 0.0563% | 949 |
| Credit loss provision to net charge-offs | 385.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 47.8500% | 918 |
| Efficiency ratio | 67.7017% | 1,970 |
| Assets per employee ($millions) | 5.7489% | 2,855 |
| Cash dividends to net income (ytd only)* | 79.9087% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 659 |
| Loan loss allowance to noncurrent loans | 1,102.4096% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 3,320 |
| Noncurrent loans to loans | 0.1770% | 3,473 |
| Net loans and leases to total assets | 47.9756% | 3,824 |
| Net loans and leases to deposits | 52.9498% | 4,008 |
| Net loans and leases to core deposits | 55.5429% | 4,007 |
| Total domestic deposits to total assets | 90.6058% | 540 |
| Equity capital to assets | 8.3585% | 4,225 |
| Core capital (leverage) ratio | 8.5650% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9203% | 1,592 |
| Memoranda: | ||
| Average total assets | $277,579,500 | 2,560 |
| Average earning assets | $255,927,000 | 2,567 |
| Average equity | $24,572,000 | 2,899 |
| Average total loans | $142,139,000 | 2,761 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 1,183 |
| Cost of funding earning assets | 0.3865% | 3,667 |
| Net interest margin | 4.1674% | 694 |
| Noninterest income to average assets | 1.0072% | 1,033 |
| Noninterest expense to average assets | 3.6856% | 535 |
| Loan and lease loss provision to assets | 0.1058% | 3,013 |
| Net operating income to assets | 0.9944% | 2,315 |
| Return on assets (ROA) | 1.0130% | 2,390 |
| Pretax return on assets | 1.0146% | 2,998 |
| Return on Equity (ROE) | 10.0119% | 2,002 |
| Retained earnings to average equity (ytd only) | 2.8687% | 3,435 |
| Net charge-offs to loans | -0.0007% | 3,918 |
| Credit loss provision to net charge-offs | -25,600.0000% | 4,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9842% | 1,122 |
| Assets per employee ($millions) | 5.5774% | 2,765 |
| Cash dividends to net income (ytd only)* | 71.3469% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 763 |
| Loan loss allowance to noncurrent loans | 973.9130% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 3,318 |
| Noncurrent loans to loans | 0.1922% | 3,522 |
| Net loans and leases to total assets | 52.6463% | 3,617 |
| Net loans and leases to deposits | 58.7741% | 3,846 |
| Net loans and leases to core deposits | 61.4938% | 3,857 |
| Total domestic deposits to total assets | 89.5740% | 744 |
| Equity capital to assets | 9.3824% | 3,713 |
| Core capital (leverage) ratio | 8.8899% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9483% | 1,868 |
| Memoranda: | ||
| Average total assets | $241,863,400 | 2,638 |
| Average earning assets | $219,394,400 | 2,676 |
| Average equity | $24,471,000 | 2,845 |
| Average total loans | $145,212,200 | 2,705 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 1,328 |
| Cost of funding earning assets | 0.4300% | 3,643 |
| Net interest margin | 4.1624% | 788 |
| Noninterest income to average assets | 0.9425% | 1,133 |
| Noninterest expense to average assets | 3.4680% | 734 |
| Loan and lease loss provision to assets | 0.1015% | 3,050 |
| Net operating income to assets | 1.1317% | 1,874 |
| Return on assets (ROA) | 1.1390% | 1,968 |
| Pretax return on assets | 1.1413% | 2,594 |
| Return on Equity (ROE) | 11.0298% | 1,668 |
| Retained earnings to average equity (ytd only) | 3.3567% | 3,371 |
| Net charge-offs to loans | -0.0137% | 4,308 |
| Credit loss provision to net charge-offs | -1,193.3333% | 3,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7355% | 1,434 |
| Assets per employee ($millions) | 5.4582% | 2,746 |
| Cash dividends to net income (ytd only)* | 69.5674% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7653% | 782 |
| Loan loss allowance to noncurrent loans | 1,054.2169% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 3,486 |
| Noncurrent loans to loans | 0.1674% | 3,712 |
| Net loans and leases to total assets | 55.7568% | 3,647 |
| Net loans and leases to deposits | 62.4389% | 3,901 |
| Net loans and leases to core deposits | 65.7377% | 3,908 |
| Total domestic deposits to total assets | 89.2982% | 654 |
| Equity capital to assets | 9.5399% | 3,653 |
| Core capital (leverage) ratio | 9.1724% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0385% | 1,819 |
| Memoranda: | ||
| Average total assets | $235,400,500 | 2,670 |
| Average earning assets | $212,692,750 | 2,710 |
| Average equity | $24,309,250 | 2,852 |
| Average total loans | $145,607,750 | 2,704 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 1,204 |
| Cost of funding earning assets | 0.4812% | 3,647 |
| Net interest margin | 4.3047% | 747 |
| Noninterest income to average assets | 0.8943% | 1,183 |
| Noninterest expense to average assets | 3.5941% | 659 |
| Loan and lease loss provision to assets | 0.0901% | 3,139 |
| Net operating income to assets | 1.0842% | 2,021 |
| Return on assets (ROA) | 1.0956% | 2,102 |
| Pretax return on assets | 1.0992% | 2,712 |
| Return on Equity (ROE) | 10.3069% | 1,880 |
| Retained earnings to average equity (ytd only) | 1.3372% | 3,995 |
| Net charge-offs to loans | -0.0194% | 4,394 |
| Credit loss provision to net charge-offs | -728.5714% | 3,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3191% | 1,333 |
| Assets per employee ($millions) | 5.1875% | 2,948 |
| Cash dividends to net income (ytd only)* | 87.0266% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 900 |
| Loan loss allowance to noncurrent loans | 1,944.2748% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 3,753 |
| Noncurrent loans to loans | 0.0852% | 4,118 |
| Net loans and leases to total assets | 60.7613% | 3,239 |
| Net loans and leases to deposits | 68.2890% | 3,539 |
| Net loans and leases to core deposits | 70.7429% | 3,656 |
| Total domestic deposits to total assets | 88.9767% | 755 |
| Equity capital to assets | 9.8988% | 3,287 |
| Core capital (leverage) ratio | 9.7692% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1991% | 2,525 |
| Memoranda: | ||
| Average total assets | $226,536,333 | 2,707 |
| Average earning assets | $204,056,333 | 2,747 |
| Average equity | $24,081,000 | 2,850 |
| Average total loans | $144,575,667 | 2,705 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0855% | 817 |
| Cost of funding earning assets | 0.5862% | 3,503 |
| Net interest margin | 4.4994% | 503 |
| Noninterest income to average assets | 0.8100% | 1,286 |
| Noninterest expense to average assets | 3.9219% | 549 |
| Loan and lease loss provision to assets | 0.0743% | 2,808 |
| Net operating income to assets | 0.8567% | 2,676 |
| Return on assets (ROA) | 0.8806% | 2,686 |
| Pretax return on assets | 0.8880% | 3,169 |
| Return on Equity (ROE) | 7.9672% | 2,533 |
| Retained earnings to average equity (ytd only) | -3.7987% | 4,421 |
| Net charge-offs to loans | 0.0600% | 1,408 |
| Credit loss provision to net charge-offs | 190.4762% | 1,446 |
| Earnings coverage of net charge-offs (x) | 24.0476% | 1,313 |
| Efficiency ratio | 80.6957% | 1,070 |
| Assets per employee ($millions) | 4.5901% | 3,141 |
| Cash dividends to net income (ytd only)* | 147.6793% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 804 |
| Loan loss allowance to noncurrent loans | 3,550.7246% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 3,901 |
| Noncurrent loans to loans | 0.0491% | 4,352 |
| Net loans and leases to total assets | 64.0601% | 3,060 |
| Net loans and leases to deposits | 72.8177% | 3,371 |
| Net loans and leases to core deposits | 75.8857% | 3,501 |
| Total domestic deposits to total assets | 87.9732% | 1,120 |
| Equity capital to assets | 11.1090% | 2,764 |
| Core capital (leverage) ratio | 10.5852% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0501% | 2,264 |
| Memoranda: | ||
| Average total assets | $215,305,000 | 2,743 |
| Average earning assets | $193,805,000 | 2,795 |
| Average equity | $23,797,500 | 2,864 |
| Average total loans | $139,942,500 | 2,726 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 1,496 |
| Cost of funding earning assets | 0.6353% | 3,485 |
| Net interest margin | 4.3599% | 966 |
| Noninterest income to average assets | 1.4801% | 423 |
| Noninterest expense to average assets | 4.0972% | 473 |
| Loan and lease loss provision to assets | 0.0645% | 2,739 |
| Net operating income to assets | 1.2183% | 1,987 |
| Return on assets (ROA) | 1.2183% | 2,077 |
| Pretax return on assets | 1.2202% | 2,770 |
| Return on Equity (ROE) | 11.2329% | 1,801 |
| Retained earnings to average equity (ytd only) | 3.2774% | 3,371 |
| Net charge-offs to loans | 0.0172% | 3,102 |
| Credit loss provision to net charge-offs | 586.9565% | 526 |
| Earnings coverage of net charge-offs (x) | 116.9130% | 598 |
| Efficiency ratio | 76.1296% | 1,346 |
| Assets per employee ($millions) | 4.4766% | 3,263 |
| Cash dividends to net income (ytd only)* | 70.8235% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 727 |
| Loan loss allowance to noncurrent loans | 2,794.2529% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 3,835 |
| Noncurrent loans to loans | 0.0625% | 4,290 |
| Net loans and leases to total assets | 63.6668% | 3,243 |
| Net loans and leases to deposits | 72.2676% | 3,501 |
| Net loans and leases to core deposits | 75.7371% | 3,589 |
| Total domestic deposits to total assets | 88.0987% | 1,088 |
| Equity capital to assets | 10.9966% | 3,000 |
| Core capital (leverage) ratio | 10.8020% | 2,674 |
| Tier 1 risk-based capital ratio | 13.8356% | 3,348 |
| Total risk-based capital ratio | 15.0884% | 3,251 |
| Memoranda: | ||
| Average total assets | $209,314,000 | 2,764 |
| Average earning assets | $187,320,000 | 2,821 |
| Average equity | $22,701,200 | 2,896 |
| Average total loans | $133,974,000 | 2,785 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9691% | 1,621 |
| Cost of funding earning assets | 0.6446% | 3,476 |
| Net interest margin | 4.3245% | 1,118 |
| Noninterest income to average assets | 1.6339% | 350 |
| Noninterest expense to average assets | 3.9629% | 554 |
| Loan and lease loss provision to assets | 0.0628% | 2,637 |
| Net operating income to assets | 1.4646% | 1,292 |
| Return on assets (ROA) | 1.4646% | 1,346 |
| Pretax return on assets | 1.4672% | 2,052 |
| Return on Equity (ROE) | 13.5530% | 1,096 |
| Retained earnings to average equity (ytd only) | 3.9698% | 3,411 |
| Net charge-offs to loans | 0.0201% | 2,709 |
| Credit loss provision to net charge-offs | 490.0000% | 642 |
| Earnings coverage of net charge-offs (x) | 119.2820% | 654 |
| Efficiency ratio | 72.1457% | 1,816 |
| Assets per employee ($millions) | 4.5413% | 3,134 |
| Cash dividends to net income (ytd only)* | 70.7092% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 727 |
| Loan loss allowance to noncurrent loans | 23,970.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 4,045 |
| Noncurrent loans to loans | 0.0074% | 4,650 |
| Net loans and leases to total assets | 63.8388% | 3,302 |
| Net loans and leases to deposits | 72.8199% | 3,567 |
| Net loans and leases to core deposits | 76.2046% | 3,682 |
| Total domestic deposits to total assets | 87.6667% | 1,182 |
| Equity capital to assets | 11.3189% | 2,823 |
| Core capital (leverage) ratio | 11.1075% | 2,552 |
| Tier 1 risk-based capital ratio | 13.4150% | 3,625 |
| Total risk-based capital ratio | 14.6672% | 3,523 |
| Memoranda: | ||
| Average total assets | $207,923,750 | 2,796 |
| Average earning assets | $185,541,250 | 2,863 |
| Average equity | $22,469,250 | 2,938 |
| Average total loans | $132,658,750 | 2,827 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9071% | 1,729 |
| Cost of funding earning assets | 0.6660% | 3,335 |
| Net interest margin | 4.2412% | 1,265 |
| Noninterest income to average assets | 0.9162% | 1,047 |
| Noninterest expense to average assets | 3.9702% | 558 |
| Loan and lease loss provision to assets | 0.0626% | 2,567 |
| Net operating income to assets | 0.6590% | 4,132 |
| Return on assets (ROA) | 0.6590% | 4,188 |
| Pretax return on assets | 0.6628% | 4,416 |
| Return on Equity (ROE) | 6.1964% | 3,981 |
| Retained earnings to average equity (ytd only) | -2.5456% | 4,950 |
| Net charge-offs to loans | 0.0106% | 2,751 |
| Credit loss provision to net charge-offs | 928.5714% | 368 |
| Earnings coverage of net charge-offs (x) | 107.5714% | 660 |
| Efficiency ratio | 84.5507% | 615 |
| Assets per employee ($millions) | 4.2888% | 3,451 |
| Cash dividends to net income (ytd only)* | 141.0819% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 712 |
| Loan loss allowance to noncurrent loans | 3,395.7143% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.6009% | 2,222 |
| Noncurrent loans to loans | 0.0523% | 4,450 |
| Net loans and leases to total assets | 63.8630% | 3,357 |
| Net loans and leases to deposits | 73.7003% | 3,545 |
| Net loans and leases to core deposits | 76.2336% | 3,707 |
| Total domestic deposits to total assets | 86.6524% | 1,745 |
| Equity capital to assets | 10.9835% | 3,080 |
| Core capital (leverage) ratio | 10.6679% | 2,919 |
| Tier 1 risk-based capital ratio | 12.7751% | 3,959 |
| Total risk-based capital ratio | 14.0263% | 3,861 |
| Memoranda: | ||
| Average total assets | $207,599,000 | 2,806 |
| Average earning assets | $184,995,670 | 2,872 |
| Average equity | $22,077,330 | 2,965 |
| Average total loans | $131,626,670 | 2,848 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 1,879 |
| Cost of funding earning assets | 0.6647% | 3,236 |
| Net interest margin | 4.1428% | 1,445 |
| Noninterest income to average assets | 0.8193% | 1,241 |
| Noninterest expense to average assets | 3.8894% | 604 |
| Loan and lease loss provision to assets | 0.0614% | 2,428 |
| Net operating income to assets | 0.5680% | 4,342 |
| Return on assets (ROA) | 0.5680% | 4,370 |
| Pretax return on assets | 0.5756% | 4,560 |
| Return on Equity (ROE) | 5.4286% | 4,205 |
| Retained earnings to average equity (ytd only) | -8.3263% | 5,045 |
| Net charge-offs to loans | 0.1655% | 821 |
| Credit loss provision to net charge-offs | 59.2593% | 1,917 |
| Earnings coverage of net charge-offs (x) | 6.1481% | 2,214 |
| Efficiency ratio | 85.9262% | 584 |
| Assets per employee ($millions) | 4.5244% | 3,152 |
| Cash dividends to net income (ytd only)* | 253.3784% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 779 |
| Loan loss allowance to noncurrent loans | 552.1635% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.7606% | 1,853 |
| Noncurrent loans to loans | 0.3166% | 3,433 |
| Net loans and leases to total assets | 62.0351% | 3,496 |
| Net loans and leases to deposits | 69.9977% | 3,765 |
| Net loans and leases to core deposits | 72.2411% | 3,931 |
| Total domestic deposits to total assets | 88.6246% | 1,023 |
| Equity capital to assets | 10.5639% | 3,293 |
| Core capital (leverage) ratio | 10.4484% | 3,113 |
| Tier 1 risk-based capital ratio | 12.6093% | 4,090 |
| Total risk-based capital ratio | 13.8604% | 3,972 |
| Memoranda: | ||
| Average total assets | $208,466,500 | 2,825 |
| Average earning assets | $186,540,500 | 2,889 |
| Average equity | $21,810,500 | 2,990 |
| Average total loans | $130,516,000 | 2,898 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 1,495 |
| Cost of funding earning assets | 0.4215% | 3,846 |
| Net interest margin | 4.4010% | 937 |
| Noninterest income to average assets | 1.0666% | 821 |
| Noninterest expense to average assets | 3.7495% | 728 |
| Loan and lease loss provision to assets | 0.0611% | 2,934 |
| Net operating income to assets | 1.1499% | 2,386 |
| Return on assets (ROA) | 1.1356% | 2,451 |
| Pretax return on assets | 1.1376% | 3,143 |
| Return on Equity (ROE) | 10.9786% | 2,088 |
| Retained earnings to average equity (ytd only) | 4.0265% | 3,349 |
| Net charge-offs to loans | -0.0305% | 4,818 |
| Credit loss provision to net charge-offs | -326.3158% | 4,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5562% | 1,425 |
| Assets per employee ($millions) | 4.5393% | 3,109 |
| Cash dividends to net income (ytd only)* | 63.3247% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7890% | 696 |
| Loan loss allowance to noncurrent loans | 498.7097% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 1,786 |
| Noncurrent loans to loans | 0.3587% | 3,253 |
| Net loans and leases to total assets | 60.9677% | 3,670 |
| Net loans and leases to deposits | 68.7071% | 3,924 |
| Net loans and leases to core deposits | 70.8985% | 4,069 |
| Total domestic deposits to total assets | 88.7356% | 969 |
| Equity capital to assets | 10.3611% | 3,318 |
| Core capital (leverage) ratio | 10.9122% | 2,610 |
| Tier 1 risk-based capital ratio | 12.9618% | 3,865 |
| Total risk-based capital ratio | 14.2129% | 3,754 |
| Memoranda: | ||
| Average total assets | $202,881,400 | 2,832 |
| Average earning assets | $179,594,000 | 2,923 |
| Average equity | $20,986,200 | 2,995 |
| Average total loans | $124,527,000 | 2,946 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7732% | 1,487 |
| Cost of funding earning assets | 0.3629% | 4,097 |
| Net interest margin | 4.4102% | 881 |
| Noninterest income to average assets | 0.9599% | 1,034 |
| Noninterest expense to average assets | 3.5703% | 897 |
| Loan and lease loss provision to assets | 0.0616% | 2,746 |
| Net operating income to assets | 1.2108% | 2,201 |
| Return on assets (ROA) | 1.2108% | 2,204 |
| Pretax return on assets | 1.2135% | 2,938 |
| Return on Equity (ROE) | 11.7106% | 1,902 |
| Retained earnings to average equity (ytd only) | 3.2974% | 4,104 |
| Net charge-offs to loans | 0.0043% | 3,299 |
| Credit loss provision to net charge-offs | 2,325.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 481.7899% | 194 |
| Efficiency ratio | 73.6849% | 1,644 |
| Assets per employee ($millions) | 4.7251% | 2,814 |
| Cash dividends to net income (ytd only)* | 71.8426% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 770 |
| Loan loss allowance to noncurrent loans | 184.5522% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.1212% | 1,272 |
| Noncurrent loans to loans | 0.9577% | 1,776 |
| Net loans and leases to total assets | 58.7072% | 3,972 |
| Net loans and leases to deposits | 65.6413% | 4,228 |
| Net loans and leases to core deposits | 67.6791% | 4,312 |
| Total domestic deposits to total assets | 89.4365% | 694 |
| Equity capital to assets | 9.7711% | 3,847 |
| Core capital (leverage) ratio | 10.9664% | 2,612 |
| Tier 1 risk-based capital ratio | 12.3647% | 4,274 |
| Total risk-based capital ratio | 13.6153% | 4,168 |
| Memoranda: | ||
| Average total assets | $201,399,500 | 2,873 |
| Average earning assets | $177,431,000 | 2,972 |
| Average equity | $20,824,000 | 3,037 |
| Average total loans | $123,252,500 | 2,988 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8001% | 1,249 |
| Cost of funding earning assets | 0.3379% | 4,150 |
| Net interest margin | 4.4621% | 745 |
| Noninterest income to average assets | 1.0027% | 958 |
| Noninterest expense to average assets | 3.6518% | 819 |
| Loan and lease loss provision to assets | 0.0627% | 2,649 |
| Net operating income to assets | 1.2122% | 2,144 |
| Return on assets (ROA) | 1.2122% | 2,139 |
| Pretax return on assets | 1.2163% | 2,890 |
| Return on Equity (ROE) | 11.4971% | 1,910 |
| Retained earnings to average equity (ytd only) | 0.9501% | 4,770 |
| Net charge-offs to loans | -0.0049% | 4,102 |
| Credit loss provision to net charge-offs | -2,066.6667% | 4,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0612% | 1,700 |
| Assets per employee ($millions) | 4.4759% | 3,158 |
| Cash dividends to net income (ytd only)* | 91.7362% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7857% | 772 |
| Loan loss allowance to noncurrent loans | 473.7740% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 1,799 |
| Noncurrent loans to loans | 0.3769% | 3,343 |
| Net loans and leases to total assets | 62.0546% | 3,596 |
| Net loans and leases to deposits | 69.9380% | 3,867 |
| Net loans and leases to core deposits | 73.5055% | 3,908 |
| Total domestic deposits to total assets | 88.7281% | 1,044 |
| Equity capital to assets | 10.5163% | 3,096 |
| Core capital (leverage) ratio | 10.8228% | 2,678 |
| Tier 1 risk-based capital ratio | 12.9563% | 3,915 |
| Total risk-based capital ratio | 14.2075% | 3,835 |
| Memoranda: | ||
| Average total assets | $197,656,670 | 2,924 |
| Average earning assets | $173,997,000 | 3,020 |
| Average equity | $20,840,000 | 3,044 |
| Average total loans | $121,978,670 | 3,014 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 1,455 |
| Cost of funding earning assets | 0.2847% | 4,459 |
| Net interest margin | 4.3580% | 841 |
| Noninterest income to average assets | 1.0928% | 773 |
| Noninterest expense to average assets | 3.5876% | 882 |
| Loan and lease loss provision to assets | 0.0626% | 2,524 |
| Net operating income to assets | 1.2686% | 1,751 |
| Return on assets (ROA) | 1.2686% | 1,758 |
| Pretax return on assets | 1.2767% | 2,447 |
| Return on Equity (ROE) | 12.0166% | 1,574 |
| Retained earnings to average equity (ytd only) | -4.8219% | 5,197 |
| Net charge-offs to loans | -0.0298% | 4,736 |
| Credit loss provision to net charge-offs | -344.4444% | 3,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8167% | 2,067 |
| Assets per employee ($millions) | 4.3897% | 3,335 |
| Cash dividends to net income (ytd only)* | 140.1274% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 2,555 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 60.4900% | 3,701 |
| Net loans and leases to deposits | 67.9749% | 3,950 |
| Net loans and leases to core deposits | 72.3820% | 3,926 |
| Total domestic deposits to total assets | 88.9888% | 1,095 |
| Equity capital to assets | 10.3480% | 3,221 |
| Core capital (leverage) ratio | 10.7255% | 2,711 |
| Tier 1 risk-based capital ratio | 12.8600% | 4,030 |
| Total risk-based capital ratio | 14.1109% | 3,922 |
| Memoranda: | ||
| Average total assets | $198,014,500 | 2,948 |
| Average earning assets | $174,207,500 | 3,050 |
| Average equity | $20,904,500 | 3,059 |
| Average total loans | $120,751,500 | 3,058 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6488% | 1,309 |
| Cost of funding earning assets | 0.2411% | 4,636 |
| Net interest margin | 4.4077% | 747 |
| Noninterest income to average assets | 1.0469% | 922 |
| Noninterest expense to average assets | 3.7312% | 756 |
| Loan and lease loss provision to assets | 0.0633% | 2,961 |
| Net operating income to assets | 1.0972% | 1,862 |
| Return on assets (ROA) | 1.1160% | 1,830 |
| Pretax return on assets | 1.1181% | 3,110 |
| Return on Equity (ROE) | 10.1191% | 1,835 |
| Retained earnings to average equity (ytd only) | 4.2337% | 2,620 |
| Net charge-offs to loans | -0.0025% | 4,550 |
| Credit loss provision to net charge-offs | -4,033.3333% | 5,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2434% | 1,582 |
| Assets per employee ($millions) | 4.3151% | 3,460 |
| Cash dividends to net income (ytd only)* | 58.1614% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 778 |
| Loan loss allowance to noncurrent loans | 1,978.8991% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.6428% | 2,399 |
| Noncurrent loans to loans | 0.0910% | 4,584 |
| Net loans and leases to total assets | 59.2764% | 3,902 |
| Net loans and leases to deposits | 67.0584% | 4,100 |
| Net loans and leases to core deposits | 71.3995% | 4,089 |
| Total domestic deposits to total assets | 88.3951% | 1,298 |
| Equity capital to assets | 10.7651% | 2,880 |
| Core capital (leverage) ratio | 10.8791% | 2,444 |
| Tier 1 risk-based capital ratio | 13.3063% | 3,737 |
| Total risk-based capital ratio | 14.5573% | 3,650 |
| Memoranda: | ||
| Average total assets | $191,039,400 | 3,006 |
| Average earning assets | $166,730,200 | 3,119 |
| Average equity | $21,069,000 | 3,030 |
| Average total loans | $118,507,800 | 3,078 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 1,358 |
| Cost of funding earning assets | 0.2307% | 4,739 |
| Net interest margin | 4.3730% | 775 |
| Noninterest income to average assets | 1.0861% | 863 |
| Noninterest expense to average assets | 3.6311% | 832 |
| Loan and lease loss provision to assets | 0.0634% | 2,800 |
| Net operating income to assets | 1.1960% | 1,709 |
| Return on assets (ROA) | 1.2214% | 1,634 |
| Pretax return on assets | 1.2242% | 2,805 |
| Return on Equity (ROE) | 11.0059% | 1,697 |
| Retained earnings to average equity (ytd only) | 3.9248% | 3,588 |
| Net charge-offs to loans | 0.0056% | 3,530 |
| Credit loss provision to net charge-offs | 1,800.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 358.0120% | 260 |
| Efficiency ratio | 74.2042% | 1,864 |
| Assets per employee ($millions) | 4.2435% | 3,570 |
| Cash dividends to net income (ytd only)* | 64.3393% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7606% | 922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 2,679 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 61.8883% | 3,664 |
| Net loans and leases to deposits | 70.3808% | 3,931 |
| Net loans and leases to core deposits | 75.0292% | 3,886 |
| Total domestic deposits to total assets | 87.9334% | 1,405 |
| Equity capital to assets | 11.2586% | 2,612 |
| Core capital (leverage) ratio | 11.3094% | 2,178 |
| Tier 1 risk-based capital ratio | 13.0755% | 3,957 |
| Total risk-based capital ratio | 14.3264% | 3,863 |
| Memoranda: | ||
| Average total assets | $189,175,750 | 3,052 |
| Average earning assets | $164,705,500 | 3,173 |
| Average equity | $20,994,250 | 3,065 |
| Average total loans | $118,180,500 | 3,108 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,319 |
| Cost of funding earning assets | 0.2181% | 4,816 |
| Net interest margin | 4.3543% | 758 |
| Noninterest income to average assets | 1.1772% | 730 |
| Noninterest expense to average assets | 3.6462% | 824 |
| Loan and lease loss provision to assets | 0.0636% | 2,697 |
| Net operating income to assets | 1.2536% | 1,428 |
| Return on assets (ROA) | 1.2801% | 1,381 |
| Pretax return on assets | 1.2843% | 2,447 |
| Return on Equity (ROE) | 11.5913% | 1,430 |
| Retained earnings to average equity (ytd only) | 3.2844% | 3,764 |
| Net charge-offs to loans | -0.0102% | 4,539 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3988% | 2,107 |
| Assets per employee ($millions) | 4.1508% | 3,715 |
| Cash dividends to net income (ytd only)* | 71.6653% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 952 |
| Loan loss allowance to noncurrent loans | 1,543.3824% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 2,507 |
| Noncurrent loans to loans | 0.1145% | 4,663 |
| Net loans and leases to total assets | 61.1348% | 3,731 |
| Net loans and leases to deposits | 69.3593% | 3,955 |
| Net loans and leases to core deposits | 74.0464% | 3,935 |
| Total domestic deposits to total assets | 88.1422% | 1,388 |
| Equity capital to assets | 11.1733% | 2,630 |
| Core capital (leverage) ratio | 11.1196% | 2,297 |
| Tier 1 risk-based capital ratio | 13.0065% | 3,993 |
| Total risk-based capital ratio | 14.2573% | 3,909 |
| Memoranda: | ||
| Average total assets | $188,582,000 | 3,075 |
| Average earning assets | $164,158,670 | 3,188 |
| Average equity | $20,826,000 | 3,080 |
| Average total loans | $117,474,670 | 3,126 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 1,796 |
| Cost of funding earning assets | 0.1933% | 5,033 |
| Net interest margin | 4.1639% | 1,061 |
| Noninterest income to average assets | 0.5549% | 2,634 |
| Noninterest expense to average assets | 3.6861% | 792 |
| Loan and lease loss provision to assets | 0.0640% | 2,518 |
| Net operating income to assets | 0.4376% | 4,825 |
| Return on assets (ROA) | 0.4909% | 4,657 |
| Pretax return on assets | 0.4909% | 4,986 |
| Return on Equity (ROE) | 4.4721% | 4,611 |
| Retained earnings to average equity (ytd only) | 4.4721% | 3,185 |
| Net charge-offs to loans | -0.0171% | 4,657 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0224% | 656 |
| Assets per employee ($millions) | 4.1122% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 995 |
| Loan loss allowance to noncurrent loans | 181.2445% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 1,432 |
| Noncurrent loans to loans | 0.9822% | 2,082 |
| Net loans and leases to total assets | 60.3162% | 3,753 |
| Net loans and leases to deposits | 68.2380% | 3,974 |
| Net loans and leases to core deposits | 72.9920% | 3,914 |
| Total domestic deposits to total assets | 88.3910% | 1,490 |
| Equity capital to assets | 11.0053% | 2,625 |
| Core capital (leverage) ratio | 11.1451% | 2,238 |
| Tier 1 risk-based capital ratio | 13.1042% | 4,024 |
| Total risk-based capital ratio | 14.3548% | 3,922 |
| Memoranda: | ||
| Average total assets | $187,404,500 | 3,112 |
| Average earning assets | $163,502,000 | 3,223 |
| Average equity | $20,572,000 | 3,115 |
| Average total loans | $116,798,000 | 3,165 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 1,399 |
| Cost of funding earning assets | 0.2023% | 4,993 |
| Net interest margin | 4.3508% | 850 |
| Noninterest income to average assets | 0.9044% | 1,400 |
| Noninterest expense to average assets | 3.8345% | 751 |
| Loan and lease loss provision to assets | 0.0544% | 3,295 |
| Net operating income to assets | 0.8240% | 3,191 |
| Return on assets (ROA) | 0.8457% | 3,200 |
| Pretax return on assets | 0.8479% | 4,021 |
| Return on Equity (ROE) | 7.4392% | 3,244 |
| Retained earnings to average equity (ytd only) | 1.7020% | 4,562 |
| Net charge-offs to loans | -0.0322% | 5,271 |
| Credit loss provision to net charge-offs | -277.7778% | 5,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3256% | 1,277 |
| Assets per employee ($millions) | 3.9499% | 4,060 |
| Cash dividends to net income (ytd only)* | 77.1208% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7312% | 1,081 |
| Loan loss allowance to noncurrent loans | 3,332.7869% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 2,515 |
| Noncurrent loans to loans | 0.0519% | 5,037 |
| Net loans and leases to total assets | 62.1608% | 3,595 |
| Net loans and leases to deposits | 70.3906% | 3,866 |
| Net loans and leases to core deposits | 71.3216% | 4,128 |
| Total domestic deposits to total assets | 88.3084% | 1,487 |
| Equity capital to assets | 10.9488% | 2,670 |
| Core capital (leverage) ratio | 10.8594% | 2,479 |
| Tier 1 risk-based capital ratio | 12.8404% | 4,175 |
| Total risk-based capital ratio | 14.0908% | 4,070 |
| Memoranda: | ||
| Average total assets | $183,988,000 | 3,121 |
| Average earning assets | $161,142,200 | 3,221 |
| Average equity | $20,916,200 | 3,075 |
| Average total loans | $111,971,600 | 3,189 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 1,404 |
| Cost of funding earning assets | 0.2054% | 5,012 |
| Net interest margin | 4.3440% | 854 |
| Noninterest income to average assets | 0.8563% | 1,558 |
| Noninterest expense to average assets | 3.6228% | 966 |
| Loan and lease loss provision to assets | 0.0654% | 2,917 |
| Net operating income to assets | 0.9754% | 2,546 |
| Return on assets (ROA) | 1.0045% | 2,549 |
| Pretax return on assets | 1.0074% | 3,604 |
| Return on Equity (ROE) | 8.7541% | 2,630 |
| Retained earnings to average equity (ytd only) | 1.1583% | 5,044 |
| Net charge-offs to loans | -0.0133% | 4,875 |
| Credit loss provision to net charge-offs | -818.1818% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6342% | 1,743 |
| Assets per employee ($millions) | 3.9581% | 4,041 |
| Cash dividends to net income (ytd only)* | 86.7681% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 1,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 2,798 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 60.8081% | 3,767 |
| Net loans and leases to deposits | 69.2110% | 4,045 |
| Net loans and leases to core deposits | 70.2381% | 4,305 |
| Total domestic deposits to total assets | 87.8590% | 1,473 |
| Equity capital to assets | 11.5094% | 2,507 |
| Core capital (leverage) ratio | 11.0805% | 2,370 |
| Tier 1 risk-based capital ratio | 12.9303% | 4,202 |
| Total risk-based capital ratio | 14.1805% | 4,112 |
| Memoranda: | ||
| Average total assets | $183,573,500 | 3,136 |
| Average earning assets | $161,015,250 | 3,235 |
| Average equity | $21,063,750 | 3,085 |
| Average total loans | $110,606,500 | 3,219 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 1,353 |
| Cost of funding earning assets | 0.2098% | 5,047 |
| Net interest margin | 4.3504% | 852 |
| Noninterest income to average assets | 0.8459% | 1,566 |
| Noninterest expense to average assets | 3.6377% | 953 |
| Loan and lease loss provision to assets | 0.0657% | 2,829 |
| Net operating income to assets | 0.9510% | 2,617 |
| Return on assets (ROA) | 0.9948% | 2,556 |
| Pretax return on assets | 0.9992% | 3,586 |
| Return on Equity (ROE) | 8.6786% | 2,647 |
| Retained earnings to average equity (ytd only) | -0.4965% | 5,366 |
| Net charge-offs to loans | -0.0513% | 5,381 |
| Credit loss provision to net charge-offs | -214.2857% | 4,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0832% | 1,776 |
| Assets per employee ($millions) | 4.2792% | 3,406 |
| Cash dividends to net income (ytd only)* | 105.7206% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7789% | 1,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 2,836 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 59.5656% | 3,942 |
| Net loans and leases to deposits | 67.8123% | 4,197 |
| Net loans and leases to core deposits | 68.9626% | 4,402 |
| Total domestic deposits to total assets | 87.8389% | 1,508 |
| Equity capital to assets | 11.5693% | 2,475 |
| Core capital (leverage) ratio | 10.8257% | 2,621 |
| Tier 1 risk-based capital ratio | 12.9387% | 4,237 |
| Total risk-based capital ratio | 14.1888% | 4,149 |
| Memoranda: | ||
| Average total assets | $182,754,330 | 3,160 |
| Average earning assets | $160,171,000 | 3,265 |
| Average equity | $20,948,000 | 3,101 |
| Average total loans | $109,102,000 | 3,250 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 1,741 |
| Cost of funding earning assets | 0.2110% | 5,096 |
| Net interest margin | 4.2098% | 1,077 |
| Noninterest income to average assets | 0.8412% | 1,471 |
| Noninterest expense to average assets | 3.7226% | 871 |
| Loan and lease loss provision to assets | 0.0659% | 2,643 |
| Net operating income to assets | 0.7248% | 3,598 |
| Return on assets (ROA) | 0.7248% | 3,710 |
| Pretax return on assets | 0.7335% | 4,404 |
| Return on Equity (ROE) | 6.3529% | 3,796 |
| Retained earnings to average equity (ytd only) | -5.1978% | 5,619 |
| Net charge-offs to loans | -0.0519% | 5,347 |
| Credit loss provision to net charge-offs | -214.2857% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3215% | 1,344 |
| Assets per employee ($millions) | 4.2109% | 3,571 |
| Cash dividends to net income (ytd only)* | 181.8182% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7991% | 1,155 |
| Loan loss allowance to noncurrent loans | 1,121.9653% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.8339% | 2,605 |
| Noncurrent loans to loans | 0.1604% | 4,852 |
| Net loans and leases to total assets | 58.5111% | 3,984 |
| Net loans and leases to deposits | 66.5106% | 4,207 |
| Net loans and leases to core deposits | 67.6548% | 4,428 |
| Total domestic deposits to total assets | 87.9726% | 1,657 |
| Equity capital to assets | 11.4829% | 2,455 |
| Core capital (leverage) ratio | 11.0568% | 2,352 |
| Tier 1 risk-based capital ratio | 12.9686% | 4,286 |
| Total risk-based capital ratio | 14.2191% | 4,201 |
| Memoranda: | ||
| Average total assets | $182,129,500 | 3,179 |
| Average earning assets | $159,248,000 | 3,297 |
| Average equity | $20,778,000 | 3,122 |
| Average total loans | $107,859,000 | 3,280 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 1,504 |
| Cost of funding earning assets | 0.2559% | 4,724 |
| Net interest margin | 4.2782% | 1,003 |
| Noninterest income to average assets | 1.1288% | 930 |
| Noninterest expense to average assets | 4.0301% | 645 |
| Loan and lease loss provision to assets | 0.0682% | 2,931 |
| Net operating income to assets | 0.7650% | 3,492 |
| Return on assets (ROA) | 0.8891% | 3,012 |
| Pretax return on assets | 0.8913% | 3,874 |
| Return on Equity (ROE) | 7.5240% | 3,241 |
| Retained earnings to average equity (ytd only) | -0.9080% | 5,641 |
| Net charge-offs to loans | -0.0483% | 5,540 |
| Credit loss provision to net charge-offs | -244.0000% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8299% | 1,291 |
| Assets per employee ($millions) | 4.1634% | 3,638 |
| Cash dividends to net income (ytd only)* | 112.0679% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 1,217 |
| Loan loss allowance to noncurrent loans | 1,878.2178% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 2,715 |
| Noncurrent loans to loans | 0.0937% | 5,124 |
| Net loans and leases to total assets | 57.8277% | 4,111 |
| Net loans and leases to deposits | 65.6869% | 4,342 |
| Net loans and leases to core deposits | 66.8025% | 4,526 |
| Total domestic deposits to total assets | 88.0353% | 1,606 |
| Equity capital to assets | 11.3347% | 2,511 |
| Core capital (leverage) ratio | 11.0173% | 2,388 |
| Tier 1 risk-based capital ratio | 11.6273% | 5,176 |
| Total risk-based capital ratio | 12.7264% | 5,174 |
| Memoranda: | ||
| Average total assets | $178,951,600 | 3,185 |
| Average earning assets | $156,302,400 | 3,311 |
| Average equity | $21,145,800 | 3,054 |
| Average total loans | $103,473,600 | 3,324 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 1,527 |
| Cost of funding earning assets | 0.2633% | 4,741 |
| Net interest margin | 4.2607% | 1,038 |
| Noninterest income to average assets | 1.2127% | 818 |
| Noninterest expense to average assets | 3.6486% | 1,045 |
| Loan and lease loss provision to assets | 0.0690% | 2,795 |
| Net operating income to assets | 1.2149% | 1,601 |
| Return on assets (ROA) | 1.3813% | 1,206 |
| Pretax return on assets | 1.3843% | 2,082 |
| Return on Equity (ROE) | 11.5684% | 1,507 |
| Retained earnings to average equity (ytd only) | 3.5151% | 3,964 |
| Net charge-offs to loans | -0.3542% | 6,112 |
| Credit loss provision to net charge-offs | -33.8235% | 4,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9256% | 2,569 |
| Assets per employee ($millions) | 4.0682% | 3,765 |
| Cash dividends to net income (ytd only)* | 69.6147% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9462% | 992 |
| Loan loss allowance to noncurrent loans | 509.5122% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.9760% | 2,407 |
| Noncurrent loans to loans | 0.3820% | 4,242 |
| Net loans and leases to total assets | 58.7971% | 4,040 |
| Net loans and leases to deposits | 67.3669% | 4,251 |
| Net loans and leases to core deposits | 68.5472% | 4,495 |
| Total domestic deposits to total assets | 87.2789% | 1,902 |
| Equity capital to assets | 12.1440% | 2,003 |
| Core capital (leverage) ratio | 11.5339% | 2,011 |
| Tier 1 risk-based capital ratio | 15.4916% | 3,054 |
| Total risk-based capital ratio | 16.7454% | 2,978 |
| Memoranda: | ||
| Average total assets | $177,892,250 | 3,226 |
| Average earning assets | $155,432,500 | 3,350 |
| Average equity | $21,241,250 | 3,070 |
| Average total loans | $102,384,250 | 3,380 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 1,742 |
| Cost of funding earning assets | 0.2692% | 4,731 |
| Net interest margin | 4.1624% | 1,197 |
| Noninterest income to average assets | 0.9103% | 1,410 |
| Noninterest expense to average assets | 3.6931% | 996 |
| Loan and lease loss provision to assets | 0.0699% | 2,711 |
| Net operating income to assets | 0.7841% | 3,470 |
| Return on assets (ROA) | 0.9824% | 2,599 |
| Pretax return on assets | 0.9869% | 3,632 |
| Return on Equity (ROE) | 8.2749% | 2,903 |
| Retained earnings to average equity (ytd only) | -1.5848% | 5,779 |
| Net charge-offs to loans | -0.3177% | 6,133 |
| Credit loss provision to net charge-offs | -38.7500% | 4,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1386% | 1,603 |
| Assets per employee ($millions) | 3.9020% | 4,070 |
| Cash dividends to net income (ytd only)* | 119.1514% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 1,171 |
| Loan loss allowance to noncurrent loans | 8,112.5000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 1.4141% | 1,773 |
| Noncurrent loans to loans | 0.0234% | 5,666 |
| Net loans and leases to total assets | 57.3882% | 4,174 |
| Net loans and leases to deposits | 65.3845% | 4,396 |
| Net loans and leases to core deposits | 66.6711% | 4,602 |
| Total domestic deposits to total assets | 87.7704% | 1,764 |
| Equity capital to assets | 11.7228% | 2,230 |
| Core capital (leverage) ratio | 10.9833% | 2,438 |
| Tier 1 risk-based capital ratio | 12.1409% | 5,046 |
| Total risk-based capital ratio | 13.3174% | 4,997 |
| Memoranda: | ||
| Average total assets | $177,522,330 | 3,251 |
| Average earning assets | $155,293,670 | 3,373 |
| Average equity | $21,075,670 | 3,102 |
| Average total loans | $100,733,330 | 3,428 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3817% | 1,833 |
| Cost of funding earning assets | 0.2734% | 4,746 |
| Net interest margin | 4.1083% | 1,257 |
| Noninterest income to average assets | 0.9368% | 1,276 |
| Noninterest expense to average assets | 3.6708% | 1,039 |
| Loan and lease loss provision to assets | 0.0695% | 2,551 |
| Net operating income to assets | 0.7950% | 3,289 |
| Return on assets (ROA) | 1.1855% | 1,688 |
| Pretax return on assets | 1.1945% | 2,692 |
| Return on Equity (ROE) | 9.9243% | 2,040 |
| Retained earnings to average equity (ytd only) | 4.2961% | 3,436 |
| Net charge-offs to loans | -0.0321% | 5,290 |
| Credit loss provision to net charge-offs | -387.5000% | 4,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8490% | 1,779 |
| Assets per employee ($millions) | 3.9973% | 3,961 |
| Cash dividends to net income (ytd only)* | 56.7108% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 1,582 |
| Loan loss allowance to noncurrent loans | 460.5744% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 1.3620% | 1,950 |
| Noncurrent loans to loans | 0.3825% | 4,449 |
| Net loans and leases to total assets | 54.6856% | 4,348 |
| Net loans and leases to deposits | 62.4717% | 4,527 |
| Net loans and leases to core deposits | 63.5711% | 4,735 |
| Total domestic deposits to total assets | 87.5366% | 2,085 |
| Equity capital to assets | 11.9975% | 2,032 |
| Core capital (leverage) ratio | 11.5752% | 1,945 |
| Tier 1 risk-based capital ratio | 12.3965% | 4,976 |
| Total risk-based capital ratio | 13.4638% | 5,011 |
| Memoranda: | ||
| Average total assets | $178,488,500 | 3,257 |
| Average earning assets | $156,562,000 | 3,371 |
| Average equity | $21,321,500 | 3,095 |
| Average total loans | $99,742,500 | 3,457 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 2,106 |
| Cost of funding earning assets | 0.3487% | 4,267 |
| Net interest margin | 4.0887% | 1,612 |
| Noninterest income to average assets | 0.8917% | 1,530 |
| Noninterest expense to average assets | 3.6744% | 1,193 |
| Loan and lease loss provision to assets | 0.0028% | 4,545 |
| Net operating income to assets | 0.7605% | 3,565 |
| Return on assets (ROA) | 0.7634% | 3,652 |
| Pretax return on assets | 0.7645% | 4,387 |
| Return on Equity (ROE) | 6.6115% | 3,836 |
| Retained earnings to average equity (ytd only) | 0.1180% | 5,721 |
| Net charge-offs to loans | 0.3979% | 1,077 |
| Credit loss provision to net charge-offs | 1.3661% | 4,192 |
| Earnings coverage of net charge-offs (x) | 3.6803% | 3,830 |
| Efficiency ratio | 82.7771% | 1,556 |
| Assets per employee ($millions) | 3.7680% | 4,408 |
| Cash dividends to net income (ytd only)* | 98.2156% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 1,687 |
| Loan loss allowance to noncurrent loans | 450.3916% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 1.3834% | 2,013 |
| Noncurrent loans to loans | 0.3855% | 4,486 |
| Net loans and leases to total assets | 55.1265% | 4,434 |
| Net loans and leases to deposits | 63.7800% | 4,547 |
| Net loans and leases to core deposits | 65.1500% | 4,737 |
| Total domestic deposits to total assets | 86.4324% | 2,606 |
| Equity capital to assets | 11.8929% | 2,095 |
| Core capital (leverage) ratio | 11.1879% | 2,226 |
| Tier 1 risk-based capital ratio | 13.0101% | 4,728 |
| Total risk-based capital ratio | 14.1024% | 4,736 |
| Memoranda: | ||
| Average total assets | $176,190,000 | 3,257 |
| Average earning assets | $152,861,400 | 3,395 |
| Average equity | $20,343,400 | 3,127 |
| Average total loans | $91,972,200 | 3,590 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 2,160 |
| Cost of funding earning assets | 0.3576% | 4,260 |
| Net interest margin | 4.0618% | 1,689 |
| Noninterest income to average assets | 0.8918% | 1,548 |
| Noninterest expense to average assets | 3.4991% | 1,461 |
| Loan and lease loss provision to assets | 0.0030% | 4,346 |
| Net operating income to assets | 0.8994% | 2,915 |
| Return on assets (ROA) | 0.9032% | 2,991 |
| Pretax return on assets | 0.9047% | 3,962 |
| Return on Equity (ROE) | 7.8819% | 3,276 |
| Retained earnings to average equity (ytd only) | -0.8530% | 5,945 |
| Net charge-offs to loans | 0.1405% | 2,392 |
| Credit loss provision to net charge-offs | 4.2105% | 3,763 |
| Earnings coverage of net charge-offs (x) | 12.5583% | 2,305 |
| Efficiency ratio | 79.4700% | 1,991 |
| Assets per employee ($millions) | 4.1583% | 3,551 |
| Cash dividends to net income (ytd only)* | 110.8224% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1048% | 1,087 |
| Loan loss allowance to noncurrent loans | 312.6959% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 1.4784% | 2,085 |
| Noncurrent loans to loans | 0.6731% | 3,925 |
| Net loans and leases to total assets | 50.7143% | 4,923 |
| Net loans and leases to deposits | 57.4965% | 5,142 |
| Net loans and leases to core deposits | 59.0381% | 5,261 |
| Total domestic deposits to total assets | 88.2042% | 1,653 |
| Equity capital to assets | 11.2804% | 2,678 |
| Core capital (leverage) ratio | 11.2472% | 2,266 |
| Tier 1 risk-based capital ratio | 13.3045% | 4,669 |
| Total risk-based capital ratio | 14.4777% | 4,648 |
| Memoranda: | ||
| Average total assets | $175,963,000 | 3,279 |
| Average earning assets | $152,113,750 | 3,430 |
| Average equity | $20,163,750 | 3,155 |
| Average total loans | $90,127,000 | 3,659 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 2,121 |
| Cost of funding earning assets | 0.3670% | 4,240 |
| Net interest margin | 4.0500% | 1,663 |
| Noninterest income to average assets | 0.9250% | 1,410 |
| Noninterest expense to average assets | 3.5823% | 1,328 |
| Loan and lease loss provision to assets | 0.0023% | 4,171 |
| Net operating income to assets | 0.8593% | 3,016 |
| Return on assets (ROA) | 0.8593% | 3,118 |
| Pretax return on assets | 0.8616% | 4,030 |
| Return on Equity (ROE) | 7.4580% | 3,387 |
| Retained earnings to average equity (ytd only) | -3.9290% | 6,171 |
| Net charge-offs to loans | -0.1535% | 6,273 |
| Credit loss provision to net charge-offs | -2.9412% | 5,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5699% | 1,936 |
| Assets per employee ($millions) | 3.9691% | 3,904 |
| Cash dividends to net income (ytd only)* | 152.6810% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3764% | 832 |
| Loan loss allowance to noncurrent loans | 187.9686% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 1.7963% | 1,804 |
| Noncurrent loans to loans | 1.2642% | 2,695 |
| Net loans and leases to total assets | 50.7160% | 4,887 |
| Net loans and leases to deposits | 57.7481% | 5,065 |
| Net loans and leases to core deposits | 59.4717% | 5,163 |
| Total domestic deposits to total assets | 87.8229% | 2,019 |
| Equity capital to assets | 11.7207% | 2,227 |
| Core capital (leverage) ratio | 11.2485% | 2,198 |
| Tier 1 risk-based capital ratio | 13.5568% | 4,549 |
| Total risk-based capital ratio | 14.6138% | 4,622 |
| Memoranda: | ||
| Average total assets | $173,629,330 | 3,329 |
| Average earning assets | $150,962,330 | 3,468 |
| Average equity | $20,005,330 | 3,168 |
| Average total loans | $88,574,670 | 3,702 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 2,223 |
| Cost of funding earning assets | 0.3641% | 4,396 |
| Net interest margin | 4.0157% | 1,707 |
| Noninterest income to average assets | 0.9773% | 1,183 |
| Noninterest expense to average assets | 3.6713% | 1,174 |
| Loan and lease loss provision to assets | 0.0023% | 3,793 |
| Net operating income to assets | 0.7902% | 3,198 |
| Return on assets (ROA) | 0.7902% | 3,272 |
| Pretax return on assets | 0.7948% | 4,134 |
| Return on Equity (ROE) | 6.9184% | 3,520 |
| Retained earnings to average equity (ytd only) | -10.2764% | 6,371 |
| Net charge-offs to loans | 0.0823% | 2,325 |
| Credit loss provision to net charge-offs | 5.5556% | 2,646 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,386 |
| Efficiency ratio | 82.1613% | 1,907 |
| Assets per employee ($millions) | 4.0550% | 3,811 |
| Cash dividends to net income (ytd only)* | 248.5380% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3886% | 927 |
| Loan loss allowance to noncurrent loans | 116.3013% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 2.2230% | 1,489 |
| Noncurrent loans to loans | 2.0538% | 1,805 |
| Net loans and leases to total assets | 49.6448% | 4,943 |
| Net loans and leases to deposits | 56.6701% | 5,059 |
| Net loans and leases to core deposits | 58.3012% | 5,180 |
| Total domestic deposits to total assets | 87.6030% | 2,459 |
| Equity capital to assets | 11.6002% | 2,170 |
| Core capital (leverage) ratio | 11.3740% | 2,074 |
| Tier 1 risk-based capital ratio | 13.8579% | 4,425 |
| Total risk-based capital ratio | 14.9664% | 4,487 |
| Memoranda: | ||
| Average total assets | $173,124,500 | 3,363 |
| Average earning assets | $150,511,000 | 3,500 |
| Average equity | $19,773,500 | 3,192 |
| Average total loans | $87,499,000 | 3,761 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 2,246 |
| Cost of funding earning assets | 0.4255% | 4,375 |
| Net interest margin | 4.0654% | 1,747 |
| Noninterest income to average assets | 0.8927% | 1,705 |
| Noninterest expense to average assets | 3.6630% | 1,348 |
| Loan and lease loss provision to assets | 0.0997% | 3,140 |
| Net operating income to assets | 0.6843% | 3,877 |
| Return on assets (ROA) | 0.8347% | 3,191 |
| Pretax return on assets | 0.8375% | 4,006 |
| Return on Equity (ROE) | 7.2187% | 3,444 |
| Retained earnings to average equity (ytd only) | 2.8349% | 4,227 |
| Net charge-offs to loans | 0.0697% | 4,232 |
| Credit loss provision to net charge-offs | 285.4839% | 794 |
| Earnings coverage of net charge-offs (x) | 22.5323% | 1,447 |
| Efficiency ratio | 82.3187% | 1,836 |
| Assets per employee ($millions) | 3.8248% | 4,213 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3603% | 971 |
| Loan loss allowance to noncurrent loans | 201.9361% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 1.7620% | 2,104 |
| Noncurrent loans to loans | 1.1688% | 3,195 |
| Net loans and leases to total assets | 49.0471% | 5,189 |
| Net loans and leases to deposits | 55.6022% | 5,339 |
| Net loans and leases to core deposits | 56.8558% | 5,477 |
| Total domestic deposits to total assets | 88.2108% | 2,049 |
| Equity capital to assets | 11.2487% | 2,384 |
| Core capital (leverage) ratio | 11.3826% | 2,046 |
| Tier 1 risk-based capital ratio | 14.0709% | 4,253 |
| Total risk-based capital ratio | 15.2329% | 4,248 |
| Memoranda: | ||
| Average total assets | $177,559,200 | 3,299 |
| Average earning assets | $155,359,600 | 3,410 |
| Average equity | $20,530,000 | 3,099 |
| Average total loans | $88,936,800 | 3,715 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 2,246 |
| Cost of funding earning assets | 0.4317% | 4,490 |
| Net interest margin | 4.0644% | 1,747 |
| Noninterest income to average assets | 0.8496% | 1,938 |
| Noninterest expense to average assets | 3.4770% | 1,659 |
| Loan and lease loss provision to assets | 0.1311% | 2,646 |
| Net operating income to assets | 0.8069% | 3,310 |
| Return on assets (ROA) | 1.0069% | 2,436 |
| Pretax return on assets | 1.0107% | 3,467 |
| Return on Equity (ROE) | 8.6506% | 2,809 |
| Retained earnings to average equity (ytd only) | 2.8578% | 4,614 |
| Net charge-offs to loans | -0.0090% | 5,872 |
| Credit loss provision to net charge-offs | -2,916.6667% | 6,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6877% | 2,311 |
| Assets per employee ($millions) | 3.6691% | 4,510 |
| Cash dividends to net income (ytd only)* | 66.9641% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3683% | 1,082 |
| Loan loss allowance to noncurrent loans | 170.1186% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.9664% | 2,061 |
| Noncurrent loans to loans | 1.3922% | 3,086 |
| Net loans and leases to total assets | 51.4436% | 4,944 |
| Net loans and leases to deposits | 58.5843% | 5,126 |
| Net loans and leases to core deposits | 60.0565% | 5,296 |
| Total domestic deposits to total assets | 87.8113% | 2,241 |
| Equity capital to assets | 11.6975% | 2,130 |
| Core capital (leverage) ratio | 11.5383% | 2,010 |
| Tier 1 risk-based capital ratio | 13.8186% | 4,560 |
| Total risk-based capital ratio | 14.9092% | 4,609 |
| Memoranda: | ||
| Average total assets | $177,963,750 | 3,325 |
| Average earning assets | $156,278,000 | 3,434 |
| Average equity | $20,714,750 | 3,109 |
| Average total loans | $89,076,000 | 3,740 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 2,421 |
| Cost of funding earning assets | 0.4385% | 4,564 |
| Net interest margin | 4.0008% | 1,851 |
| Noninterest income to average assets | 0.8654% | 1,942 |
| Noninterest expense to average assets | 3.4749% | 1,667 |
| Loan and lease loss provision to assets | 0.1924% | 1,974 |
| Net operating income to assets | 0.7265% | 3,687 |
| Return on assets (ROA) | 0.9566% | 2,683 |
| Pretax return on assets | 0.9622% | 3,673 |
| Return on Equity (ROE) | 8.2314% | 2,972 |
| Retained earnings to average equity (ytd only) | 2.4886% | 4,718 |
| Net charge-offs to loans | -0.0113% | 5,799 |
| Credit loss provision to net charge-offs | -3,460.0000% | 6,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0286% | 2,293 |
| Assets per employee ($millions) | 3.4947% | 4,866 |
| Cash dividends to net income (ytd only)* | 69.7674% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3946% | 1,099 |
| Loan loss allowance to noncurrent loans | 178.0447% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 2.0271% | 2,127 |
| Noncurrent loans to loans | 1.3450% | 3,309 |
| Net loans and leases to total assets | 49.1458% | 5,206 |
| Net loans and leases to deposits | 55.5568% | 5,383 |
| Net loans and leases to core deposits | 56.8908% | 5,532 |
| Total domestic deposits to total assets | 88.4605% | 1,941 |
| Equity capital to assets | 11.1170% | 2,641 |
| Core capital (leverage) ratio | 11.2524% | 2,129 |
| Tier 1 risk-based capital ratio | 14.0773% | 4,370 |
| Total risk-based capital ratio | 15.2571% | 4,385 |
| Memoranda: | ||
| Average total assets | $179,802,670 | 3,311 |
| Average earning assets | $158,719,330 | 3,419 |
| Average equity | $20,895,670 | 3,101 |
| Average total loans | $88,479,670 | 3,759 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 3,174 |
| Cost of funding earning assets | 0.4417% | 4,689 |
| Net interest margin | 3.7909% | 2,483 |
| Noninterest income to average assets | 0.8417% | 1,953 |
| Noninterest expense to average assets | 3.3335% | 2,000 |
| Loan and lease loss provision to assets | 0.2702% | 1,309 |
| Net operating income to assets | 0.6025% | 4,201 |
| Return on assets (ROA) | 0.9657% | 2,503 |
| Pretax return on assets | 0.9657% | 3,507 |
| Return on Equity (ROE) | 8.1357% | 2,901 |
| Retained earnings to average equity (ytd only) | -3.0602% | 6,199 |
| Net charge-offs to loans | 0.1275% | 2,653 |
| Credit loss provision to net charge-offs | 435.7143% | 602 |
| Earnings coverage of net charge-offs (x) | 14.0714% | 1,480 |
| Efficiency ratio | 79.2522% | 2,435 |
| Assets per employee ($millions) | 3.5265% | 4,927 |
| Cash dividends to net income (ytd only)* | 137.6147% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3543% | 1,328 |
| Loan loss allowance to noncurrent loans | 145.3202% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 2.2425% | 2,080 |
| Noncurrent loans to loans | 1.6201% | 3,107 |
| Net loans and leases to total assets | 49.5634% | 5,043 |
| Net loans and leases to deposits | 56.9668% | 5,142 |
| Net loans and leases to core deposits | 58.4025% | 5,302 |
| Total domestic deposits to total assets | 87.0040% | 2,958 |
| Equity capital to assets | 12.2379% | 1,874 |
| Core capital (leverage) ratio | 10.8130% | 2,445 |
| Tier 1 risk-based capital ratio | 14.2244% | 4,346 |
| Total risk-based capital ratio | 15.3528% | 4,387 |
| Memoranda: | ||
| Average total assets | $180,588,500 | 3,338 |
| Average earning assets | $160,280,500 | 3,425 |
| Average equity | $21,436,500 | 3,088 |
| Average total loans | $87,848,500 | 3,794 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 3,742 |
| Cost of funding earning assets | 0.6385% | 4,016 |
| Net interest margin | 3.7799% | 3,318 |
| Noninterest income to average assets | 0.9811% | 1,590 |
| Noninterest expense to average assets | 3.3006% | 2,329 |
| Loan and lease loss provision to assets | 0.5065% | 1,163 |
| Net operating income to assets | 0.5119% | 4,638 |
| Return on assets (ROA) | 0.6638% | 4,180 |
| Pretax return on assets | 0.6665% | 4,772 |
| Return on Equity (ROE) | 5.6161% | 4,362 |
| Retained earnings to average equity (ytd only) | -0.2835% | 5,902 |
| Net charge-offs to loans | 0.9879% | 1,105 |
| Credit loss provision to net charge-offs | 108.3237% | 2,721 |
| Earnings coverage of net charge-offs (x) | 2.1838% | 4,329 |
| Efficiency ratio | 76.3727% | 2,684 |
| Assets per employee ($millions) | 4.0080% | 3,930 |
| Cash dividends to net income (ytd only)* | 105.0489% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2401% | 1,480 |
| Loan loss allowance to noncurrent loans | 154.3461% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.9195% | 2,547 |
| Noncurrent loans to loans | 1.4514% | 3,424 |
| Net loans and leases to total assets | 45.6614% | 5,650 |
| Net loans and leases to deposits | 51.8884% | 5,816 |
| Net loans and leases to core deposits | 53.7617% | 5,893 |
| Total domestic deposits to total assets | 87.9991% | 2,235 |
| Equity capital to assets | 11.5332% | 2,413 |
| Core capital (leverage) ratio | 10.4097% | 2,877 |
| Tier 1 risk-based capital ratio | 14.1734% | 4,262 |
| Total risk-based capital ratio | 15.3562% | 4,261 |
| Memoranda: | ||
| Average total assets | $184,995,400 | 3,243 |
| Average earning assets | $163,495,800 | 3,326 |
| Average equity | $21,865,800 | 2,994 |
| Average total loans | $87,563,200 | 3,811 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4405% | 3,879 |
| Cost of funding earning assets | 0.6674% | 4,041 |
| Net interest margin | 3.7731% | 3,452 |
| Noninterest income to average assets | 1.0513% | 1,375 |
| Noninterest expense to average assets | 3.1814% | 2,628 |
| Loan and lease loss provision to assets | 0.6046% | 909 |
| Net operating income to assets | 0.5937% | 4,422 |
| Return on assets (ROA) | 0.7972% | 3,708 |
| Pretax return on assets | 0.8008% | 4,481 |
| Return on Equity (ROE) | 6.7028% | 3,955 |
| Retained earnings to average equity (ytd only) | 0.0670% | 6,052 |
| Net charge-offs to loans | 0.9696% | 1,099 |
| Credit loss provision to net charge-offs | 131.2893% | 2,193 |
| Earnings coverage of net charge-offs (x) | 2.6101% | 3,997 |
| Efficiency ratio | 72.5801% | 3,218 |
| Assets per employee ($millions) | 4.1360% | 3,612 |
| Cash dividends to net income (ytd only)* | 99.0013% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3599% | 1,419 |
| Loan loss allowance to noncurrent loans | 64.9335% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.4772% | 2,135 |
| Noncurrent loans to loans | 3.6343% | 1,487 |
| Net loans and leases to total assets | 45.6244% | 5,807 |
| Net loans and leases to deposits | 51.9850% | 5,977 |
| Net loans and leases to core deposits | 53.7603% | 6,064 |
| Total domestic deposits to total assets | 87.7645% | 2,191 |
| Equity capital to assets | 11.6579% | 2,586 |
| Core capital (leverage) ratio | 10.6403% | 2,767 |
| Tier 1 risk-based capital ratio | 14.5337% | 4,164 |
| Total risk-based capital ratio | 15.7450% | 4,156 |
| Memoranda: | ||
| Average total assets | $184,149,750 | 3,286 |
| Average earning assets | $162,619,000 | 3,381 |
| Average equity | $21,900,750 | 3,009 |
| Average total loans | $87,457,250 | 3,849 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 3,608 |
| Cost of funding earning assets | 0.6962% | 4,044 |
| Net interest margin | 3.8436% | 3,163 |
| Noninterest income to average assets | 1.1312% | 1,114 |
| Noninterest expense to average assets | 3.2342% | 2,482 |
| Loan and lease loss provision to assets | 0.4261% | 1,530 |
| Net operating income to assets | 0.8665% | 3,058 |
| Return on assets (ROA) | 1.1751% | 2,003 |
| Pretax return on assets | 1.1806% | 3,013 |
| Return on Equity (ROE) | 9.8131% | 2,441 |
| Retained earnings to average equity (ytd only) | 2.5679% | 4,905 |
| Net charge-offs to loans | 0.9060% | 1,216 |
| Credit loss provision to net charge-offs | 98.4772% | 2,816 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,549 |
| Efficiency ratio | 71.3593% | 3,542 |
| Assets per employee ($millions) | 3.7991% | 4,317 |
| Cash dividends to net income (ytd only)* | 73.8318% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1938% | 1,781 |
| Loan loss allowance to noncurrent loans | 84.3959% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 2.4743% | 2,255 |
| Noncurrent loans to loans | 2.5995% | 2,313 |
| Net loans and leases to total assets | 45.3356% | 5,888 |
| Net loans and leases to deposits | 51.6803% | 6,045 |
| Net loans and leases to core deposits | 54.1682% | 6,085 |
| Total domestic deposits to total assets | 87.7231% | 2,321 |
| Equity capital to assets | 11.8891% | 2,234 |
| Core capital (leverage) ratio | 10.7796% | 2,505 |
| Tier 1 risk-based capital ratio | 15.2155% | 3,621 |
| Total risk-based capital ratio | 16.4566% | 3,593 |
| Memoranda: | ||
| Average total assets | $182,113,670 | 3,322 |
| Average earning assets | $161,151,330 | 3,403 |
| Average equity | $21,807,670 | 3,007 |
| Average total loans | $86,975,670 | 3,883 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 3,623 |
| Cost of funding earning assets | 0.7264% | 4,060 |
| Net interest margin | 3.8481% | 3,144 |
| Noninterest income to average assets | 1.3971% | 739 |
| Noninterest expense to average assets | 3.2205% | 2,530 |
| Loan and lease loss provision to assets | 0.5264% | 1,140 |
| Net operating income to assets | 1.0426% | 2,314 |
| Return on assets (ROA) | 1.3504% | 1,476 |
| Pretax return on assets | 1.3615% | 2,328 |
| Return on Equity (ROE) | 11.2356% | 1,926 |
| Retained earnings to average equity (ytd only) | -3.3633% | 6,435 |
| Net charge-offs to loans | 0.4856% | 1,875 |
| Credit loss provision to net charge-offs | 223.5849% | 1,245 |
| Earnings coverage of net charge-offs (x) | 6.6981% | 2,165 |
| Efficiency ratio | 67.1296% | 4,334 |
| Assets per employee ($millions) | 3.8632% | 4,274 |
| Cash dividends to net income (ytd only)* | 129.9342% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3257% | 1,633 |
| Loan loss allowance to noncurrent loans | 88.4917% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 2.6436% | 2,237 |
| Noncurrent loans to loans | 2.6282% | 2,474 |
| Net loans and leases to total assets | 47.9739% | 5,557 |
| Net loans and leases to deposits | 54.8275% | 5,723 |
| Net loans and leases to core deposits | 58.3153% | 5,687 |
| Total domestic deposits to total assets | 87.4998% | 2,653 |
| Equity capital to assets | 12.1164% | 1,964 |
| Core capital (leverage) ratio | 10.8287% | 2,413 |
| Tier 1 risk-based capital ratio | 15.0470% | 3,729 |
| Total risk-based capital ratio | 16.1964% | 3,752 |
| Memoranda: | ||
| Average total assets | $180,093,500 | 3,378 |
| Average earning assets | $159,144,000 | 3,453 |
| Average equity | $21,645,500 | 3,017 |
| Average total loans | $87,320,000 | 3,908 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 3,915 |
| Cost of funding earning assets | 0.9929% | 3,432 |
| Net interest margin | 3.7841% | 3,907 |
| Noninterest income to average assets | 0.7836% | 2,146 |
| Noninterest expense to average assets | 3.2107% | 2,830 |
| Loan and lease loss provision to assets | 0.4379% | 2,406 |
| Net operating income to assets | 0.4681% | 4,548 |
| Return on assets (ROA) | 0.5652% | 4,354 |
| Pretax return on assets | 0.5679% | 4,789 |
| Return on Equity (ROE) | 4.9616% | 4,405 |
| Retained earnings to average equity (ytd only) | 4.9616% | 2,669 |
| Net charge-offs to loans | 1.1328% | 1,501 |
| Credit loss provision to net charge-offs | 81.2627% | 4,393 |
| Earnings coverage of net charge-offs (x) | 1.6864% | 4,508 |
| Efficiency ratio | 77.9406% | 2,595 |
| Assets per employee ($millions) | 3.9669% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1739% | 1,851 |
| Loan loss allowance to noncurrent loans | 622.6230% | 573 |
| Noncurrent assets plus other real estate owned to assets | 1.3887% | 3,916 |
| Noncurrent loans to loans | 0.3491% | 6,033 |
| Net loans and leases to total assets | 46.8314% | 5,937 |
| Net loans and leases to deposits | 53.4547% | 6,117 |
| Net loans and leases to core deposits | 57.7330% | 6,016 |
| Total domestic deposits to total assets | 87.6095% | 2,398 |
| Equity capital to assets | 11.9242% | 2,186 |
| Core capital (leverage) ratio | 10.6887% | 2,534 |
| Tier 1 risk-based capital ratio | 15.1627% | 3,539 |
| Total risk-based capital ratio | 16.3648% | 3,537 |
| Memoranda: | ||
| Average total assets | $182,236,200 | 3,296 |
| Average earning assets | $160,647,800 | 3,391 |
| Average equity | $20,759,600 | 3,040 |
| Average total loans | $86,691,600 | 3,943 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7818% | 4,099 |
| Cost of funding earning assets | 1.0482% | 3,329 |
| Net interest margin | 3.7336% | 4,190 |
| Noninterest income to average assets | 0.8460% | 1,855 |
| Noninterest expense to average assets | 3.1705% | 2,926 |
| Loan and lease loss provision to assets | 0.3813% | 2,573 |
| Net operating income to assets | 0.5804% | 4,175 |
| Return on assets (ROA) | 0.7289% | 3,649 |
| Pretax return on assets | 0.7326% | 4,371 |
| Return on Equity (ROE) | 6.4748% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.4748% | 2,252 |
| Net charge-offs to loans | 0.2049% | 4,162 |
| Credit loss provision to net charge-offs | 391.7293% | 722 |
| Earnings coverage of net charge-offs (x) | 9.9172% | 1,985 |
| Efficiency ratio | 76.6590% | 2,733 |
| Assets per employee ($millions) | 4.0758% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8803% | 953 |
| Loan loss allowance to noncurrent loans | 218.6726% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 1.8876% | 3,284 |
| Noncurrent loans to loans | 1.3172% | 4,337 |
| Net loans and leases to total assets | 44.4399% | 6,292 |
| Net loans and leases to deposits | 50.8511% | 6,454 |
| Net loans and leases to core deposits | 54.3641% | 6,434 |
| Total domestic deposits to total assets | 87.3922% | 2,410 |
| Equity capital to assets | 11.7016% | 2,494 |
| Core capital (leverage) ratio | 10.7641% | 2,600 |
| Tier 1 risk-based capital ratio | 15.2844% | 3,501 |
| Total risk-based capital ratio | 16.5146% | 3,477 |
| Memoranda: | ||
| Average total assets | $182,175,750 | 3,317 |
| Average earning assets | $160,521,500 | 3,416 |
| Average equity | $20,509,750 | 3,075 |
| Average total loans | $86,525,500 | 3,991 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8614% | 3,806 |
| Cost of funding earning assets | 1.1000% | 3,234 |
| Net interest margin | 3.7614% | 3,984 |
| Noninterest income to average assets | 0.9678% | 1,412 |
| Noninterest expense to average assets | 3.3968% | 2,269 |
| Loan and lease loss provision to assets | 0.4091% | 2,386 |
| Net operating income to assets | 0.4568% | 4,688 |
| Return on assets (ROA) | 0.6796% | 3,767 |
| Pretax return on assets | 0.6851% | 4,436 |
| Return on Equity (ROE) | 6.1198% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.1198% | 2,349 |
| Net charge-offs to loans | 0.2328% | 3,730 |
| Credit loss provision to net charge-offs | 365.3465% | 837 |
| Earnings coverage of net charge-offs (x) | 7.7624% | 2,172 |
| Efficiency ratio | 79.6258% | 2,447 |
| Assets per employee ($millions) | 3.7026% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7227% | 1,157 |
| Loan loss allowance to noncurrent loans | 112.7578% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 2.6862% | 2,490 |
| Noncurrent loans to loans | 2.4147% | 2,973 |
| Net loans and leases to total assets | 45.3716% | 6,319 |
| Net loans and leases to deposits | 51.6778% | 6,490 |
| Net loans and leases to core deposits | 55.2729% | 6,477 |
| Total domestic deposits to total assets | 87.7972% | 2,283 |
| Equity capital to assets | 11.3985% | 2,603 |
| Core capital (leverage) ratio | 10.5198% | 2,694 |
| Tier 1 risk-based capital ratio | 15.0471% | 3,467 |
| Total risk-based capital ratio | 16.3002% | 3,437 |
| Memoranda: | ||
| Average total assets | $180,405,330 | 3,360 |
| Average earning assets | $158,186,330 | 3,474 |
| Average equity | $20,033,330 | 3,122 |
| Average total loans | $86,770,670 | 4,029 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 3,797 |
| Cost of funding earning assets | 1.1522% | 3,148 |
| Net interest margin | 3.7020% | 4,089 |
| Noninterest income to average assets | 1.0132% | 1,290 |
| Noninterest expense to average assets | 3.6126% | 1,744 |
| Loan and lease loss provision to assets | 0.4875% | 1,802 |
| Net operating income to assets | 0.1571% | 5,920 |
| Return on assets (ROA) | 0.1550% | 5,984 |
| Pretax return on assets | 0.1663% | 6,014 |
| Return on Equity (ROE) | 1.4155% | 6,014 |
| Retained earnings to average equity (ytd only) | 1.4155% | 5,255 |
| Net charge-offs to loans | 0.1104% | 3,865 |
| Credit loss provision to net charge-offs | 904.1667% | 419 |
| Earnings coverage of net charge-offs (x) | 12.1667% | 1,509 |
| Efficiency ratio | 84.6316% | 1,880 |
| Assets per employee ($millions) | 3.7690% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6472% | 1,262 |
| Loan loss allowance to noncurrent loans | 114.6599% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 2.6888% | 2,557 |
| Noncurrent loans to loans | 2.3087% | 3,182 |
| Net loans and leases to total assets | 47.2511% | 6,165 |
| Net loans and leases to deposits | 53.6483% | 6,328 |
| Net loans and leases to core deposits | 57.9871% | 6,254 |
| Total domestic deposits to total assets | 88.0757% | 2,335 |
| Equity capital to assets | 11.0893% | 2,604 |
| Core capital (leverage) ratio | 10.5247% | 2,589 |
| Tier 1 risk-based capital ratio | 14.9003% | 3,476 |
| Total risk-based capital ratio | 16.1271% | 3,453 |
| Memoranda: | ||
| Average total assets | $178,043,500 | 3,411 |
| Average earning assets | $156,563,500 | 3,535 |
| Average equity | $19,499,000 | 3,187 |
| Average total loans | $86,982,500 | 4,048 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4022% | 2,663 |
| Cost of funding earning assets | 1.6121% | 2,002 |
| Net interest margin | 3.7902% | 3,987 |
| Noninterest income to average assets | 0.9255% | 1,756 |
| Noninterest expense to average assets | 3.1717% | 3,185 |
| Loan and lease loss provision to assets | 0.7792% | 2,102 |
| Net operating income to assets | 0.2544% | 5,098 |
| Return on assets (ROA) | 0.2070% | 5,420 |
| Pretax return on assets | 0.2098% | 5,466 |
| Return on Equity (ROE) | 1.9175% | 5,412 |
| Retained earnings to average equity (ytd only) | -0.1443% | 5,630 |
| Net charge-offs to loans | 1.4981% | 1,471 |
| Credit loss provision to net charge-offs | 100.0715% | 4,556 |
| Earnings coverage of net charge-offs (x) | 1.3317% | 4,776 |
| Efficiency ratio | 75.3637% | 3,138 |
| Assets per employee ($millions) | 3.8901% | 4,029 |
| Cash dividends to net income (ytd only)* | 107.5269% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3674% | 1,597 |
| Loan loss allowance to noncurrent loans | 188.6775% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 2.7953% | 2,507 |
| Noncurrent loans to loans | 1.2547% | 4,620 |
| Net loans and leases to total assets | 48.0061% | 6,392 |
| Net loans and leases to deposits | 54.4838% | 6,571 |
| Net loans and leases to core deposits | 58.9057% | 6,481 |
| Total domestic deposits to total assets | 88.1108% | 2,183 |
| Equity capital to assets | 10.8157% | 2,842 |
| Core capital (leverage) ratio | 10.1837% | 2,884 |
| Tier 1 risk-based capital ratio | 14.3754% | 3,629 |
| Total risk-based capital ratio | 15.6118% | 3,593 |
| Memoranda: | ||
| Average total assets | $179,681,400 | 3,381 |
| Average earning assets | $155,639,200 | 3,530 |
| Average equity | $19,400,600 | 3,223 |
| Average total loans | $93,385,000 | 3,971 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4084% | 2,839 |
| Cost of funding earning assets | 1.6895% | 1,927 |
| Net interest margin | 3.7189% | 4,312 |
| Noninterest income to average assets | 0.8591% | 1,958 |
| Noninterest expense to average assets | 3.0578% | 3,545 |
| Loan and lease loss provision to assets | 0.8325% | 1,825 |
| Net operating income to assets | 0.1760% | 5,572 |
| Return on assets (ROA) | 0.1142% | 5,896 |
| Pretax return on assets | 0.1179% | 5,886 |
| Return on Equity (ROE) | 1.0577% | 5,885 |
| Retained earnings to average equity (ytd only) | -1.6896% | 6,133 |
| Net charge-offs to loans | 1.2230% | 1,673 |
| Credit loss provision to net charge-offs | 129.2290% | 3,138 |
| Earnings coverage of net charge-offs (x) | 1.5742% | 4,541 |
| Efficiency ratio | 75.0956% | 3,129 |
| Assets per employee ($millions) | 3.7464% | 4,399 |
| Cash dividends to net income (ytd only)* | 259.7380% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5540% | 1,264 |
| Loan loss allowance to noncurrent loans | 94.6132% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 2.9782% | 2,439 |
| Noncurrent loans to loans | 2.6994% | 2,934 |
| Net loans and leases to total assets | 50.6185% | 6,261 |
| Net loans and leases to deposits | 57.9165% | 6,464 |
| Net loans and leases to core deposits | 63.1487% | 6,360 |
| Total domestic deposits to total assets | 87.3991% | 2,318 |
| Equity capital to assets | 11.4577% | 2,564 |
| Core capital (leverage) ratio | 10.2317% | 3,002 |
| Tier 1 risk-based capital ratio | 14.3968% | 3,572 |
| Total risk-based capital ratio | 15.6363% | 3,547 |
| Memoranda: | ||
| Average total assets | $179,865,750 | 3,425 |
| Average earning assets | $155,384,000 | 3,587 |
| Average equity | $19,412,250 | 3,267 |
| Average total loans | $94,734,500 | 4,004 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4361% | 2,818 |
| Cost of funding earning assets | 1.7335% | 1,950 |
| Net interest margin | 3.7026% | 4,356 |
| Noninterest income to average assets | 0.5930% | 3,391 |
| Noninterest expense to average assets | 2.9151% | 4,020 |
| Loan and lease loss provision to assets | 0.4925% | 2,831 |
| Net operating income to assets | 0.3742% | 4,875 |
| Return on assets (ROA) | 0.4704% | 4,622 |
| Pretax return on assets | 0.4759% | 4,981 |
| Return on Equity (ROE) | 4.4472% | 4,570 |
| Retained earnings to average equity (ytd only) | 0.2714% | 5,648 |
| Net charge-offs to loans | 1.5925% | 1,189 |
| Credit loss provision to net charge-offs | 58.4535% | 5,245 |
| Earnings coverage of net charge-offs (x) | 1.0341% | 4,754 |
| Efficiency ratio | 76.9904% | 2,895 |
| Assets per employee ($millions) | 3.7271% | 4,391 |
| Cash dividends to net income (ytd only)* | 93.8967% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8856% | 2,454 |
| Loan loss allowance to noncurrent loans | 82.3612% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 2.6929% | 2,687 |
| Noncurrent loans to loans | 2.2894% | 3,385 |
| Net loans and leases to total assets | 50.2880% | 6,399 |
| Net loans and leases to deposits | 57.6508% | 6,596 |
| Net loans and leases to core deposits | 63.1138% | 6,472 |
| Total domestic deposits to total assets | 87.2287% | 2,418 |
| Equity capital to assets | 10.8948% | 2,973 |
| Core capital (leverage) ratio | 10.3226% | 2,802 |
| Tier 1 risk-based capital ratio | 14.3107% | 3,530 |
| Total risk-based capital ratio | 15.5623% | 3,505 |
| Memoranda: | ||
| Average total assets | $181,127,000 | 3,427 |
| Average earning assets | $156,216,330 | 3,596 |
| Average equity | $19,158,000 | 3,286 |
| Average total loans | $95,824,000 | 4,020 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4597% | 2,781 |
| Cost of funding earning assets | 1.7704% | 2,011 |
| Net interest margin | 3.6894% | 4,304 |
| Noninterest income to average assets | 0.8382% | 1,847 |
| Noninterest expense to average assets | 3.0691% | 3,393 |
| Loan and lease loss provision to assets | 0.3393% | 3,353 |
| Net operating income to assets | 0.6133% | 3,843 |
| Return on assets (ROA) | 0.7318% | 3,403 |
| Pretax return on assets | 0.7429% | 4,087 |
| Return on Equity (ROE) | 7.0256% | 3,327 |
| Retained earnings to average equity (ytd only) | -1.4903% | 6,123 |
| Net charge-offs to loans | 1.6919% | 1,020 |
| Credit loss provision to net charge-offs | 37.3171% | 4,687 |
| Earnings coverage of net charge-offs (x) | 1.0585% | 4,131 |
| Efficiency ratio | 76.1276% | 3,190 |
| Assets per employee ($millions) | 3.8545% | 4,193 |
| Cash dividends to net income (ytd only)* | 121.2121% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8969% | 2,458 |
| Loan loss allowance to noncurrent loans | 49.5520% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 3.3241% | 2,149 |
| Noncurrent loans to loans | 3.8282% | 2,070 |
| Net loans and leases to total assets | 52.0992% | 6,259 |
| Net loans and leases to deposits | 59.3705% | 6,524 |
| Net loans and leases to core deposits | 65.0097% | 6,376 |
| Total domestic deposits to total assets | 87.7528% | 2,210 |
| Equity capital to assets | 10.3599% | 3,393 |
| Core capital (leverage) ratio | 10.2935% | 2,819 |
| Tier 1 risk-based capital ratio | 14.0628% | 3,615 |
| Total risk-based capital ratio | 15.3142% | 3,579 |
| Memoranda: | ||
| Average total assets | $180,376,500 | 3,496 |
| Average earning assets | $156,124,500 | 3,645 |
| Average equity | $18,788,500 | 3,349 |
| Average total loans | $96,933,500 | 4,052 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1371% | 1,411 |
| Cost of funding earning assets | 2.0086% | 2,922 |
| Net interest margin | 4.1285% | 2,324 |
| Noninterest income to average assets | 0.8171% | 2,322 |
| Noninterest expense to average assets | 3.1841% | 3,429 |
| Loan and lease loss provision to assets | 0.2887% | 5,123 |
| Net operating income to assets | 0.8799% | 2,242 |
| Return on assets (ROA) | 0.7903% | 2,659 |
| Pretax return on assets | 0.7932% | 3,270 |
| Return on Equity (ROE) | 7.6530% | 2,516 |
| Retained earnings to average equity (ytd only) | 2.0445% | 3,676 |
| Net charge-offs to loans | 0.0647% | 6,461 |
| Credit loss provision to net charge-offs | 803.1746% | 364 |
| Earnings coverage of net charge-offs (x) | 32.5873% | 711 |
| Efficiency ratio | 73.1036% | 4,071 |
| Assets per employee ($millions) | 3.9910% | 3,832 |
| Cash dividends to net income (ytd only)* | 73.2852% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1319% | 1,770 |
| Loan loss allowance to noncurrent loans | 61.8906% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 3.0090% | 2,327 |
| Noncurrent loans to loans | 3.4446% | 2,206 |
| Net loans and leases to total assets | 53.2187% | 6,284 |
| Net loans and leases to deposits | 61.1489% | 6,543 |
| Net loans and leases to core deposits | 72.1428% | 6,651 |
| Total domestic deposits to total assets | 87.0312% | 2,488 |
| Equity capital to assets | 10.4731% | 3,214 |
| Core capital (leverage) ratio | 10.2173% | 2,864 |
| Tier 1 risk-based capital ratio | 14.0051% | 3,494 |
| Total risk-based capital ratio | 15.2588% | 3,450 |
| Memoranda: | ||
| Average total assets | $175,245,200 | 3,515 |
| Average earning assets | $150,200,400 | 3,713 |
| Average equity | $18,097,400 | 3,496 |
| Average total loans | $97,363,800 | 4,022 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1323% | 1,551 |
| Cost of funding earning assets | 2.0259% | 3,229 |
| Net interest margin | 4.1064% | 2,369 |
| Noninterest income to average assets | 0.7755% | 2,573 |
| Noninterest expense to average assets | 3.2230% | 3,225 |
| Loan and lease loss provision to assets | 0.1225% | 6,133 |
| Net operating income to assets | 0.9424% | 2,263 |
| Return on assets (ROA) | 0.8222% | 2,778 |
| Pretax return on assets | 0.8260% | 3,456 |
| Return on Equity (ROE) | 7.9911% | 2,637 |
| Retained earnings to average equity (ytd only) | 1.1830% | 4,659 |
| Net charge-offs to loans | 0.1151% | 5,530 |
| Credit loss provision to net charge-offs | 190.4762% | 2,380 |
| Earnings coverage of net charge-offs (x) | 16.6187% | 1,462 |
| Efficiency ratio | 75.0981% | 3,672 |
| Assets per employee ($millions) | 3.7328% | 4,352 |
| Cash dividends to net income (ytd only)* | 85.1958% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 2,487 |
| Loan loss allowance to noncurrent loans | 37.0171% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 3.8201% | 1,691 |
| Noncurrent loans to loans | 4.6958% | 1,462 |
| Net loans and leases to total assets | 55.2593% | 6,235 |
| Net loans and leases to deposits | 63.6716% | 6,522 |
| Net loans and leases to core deposits | 76.1145% | 6,608 |
| Total domestic deposits to total assets | 86.7881% | 2,289 |
| Equity capital to assets | 10.6350% | 3,365 |
| Core capital (leverage) ratio | 10.4859% | 2,804 |
| Tier 1 risk-based capital ratio | 13.9615% | 3,569 |
| Total risk-based capital ratio | 15.2165% | 3,519 |
| Memoranda: | ||
| Average total assets | $174,158,250 | 3,551 |
| Average earning assets | $149,129,500 | 3,740 |
| Average equity | $17,919,500 | 3,548 |
| Average total loans | $97,290,000 | 4,056 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2716% | 1,278 |
| Cost of funding earning assets | 2.0661% | 3,445 |
| Net interest margin | 4.2055% | 1,979 |
| Noninterest income to average assets | 0.7011% | 2,988 |
| Noninterest expense to average assets | 3.2717% | 3,075 |
| Loan and lease loss provision to assets | 0.1094% | 6,062 |
| Net operating income to assets | 0.8828% | 2,522 |
| Return on assets (ROA) | 0.8634% | 2,701 |
| Pretax return on assets | 0.8692% | 3,449 |
| Return on Equity (ROE) | 8.4874% | 2,576 |
| Retained earnings to average equity (ytd only) | -0.5658% | 5,367 |
| Net charge-offs to loans | 0.0888% | 5,302 |
| Credit loss provision to net charge-offs | 220.9302% | 2,079 |
| Earnings coverage of net charge-offs (x) | 20.1628% | 1,326 |
| Efficiency ratio | 76.6244% | 3,578 |
| Assets per employee ($millions) | 3.5096% | 4,798 |
| Cash dividends to net income (ytd only)* | 106.6667% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7211% | 2,272 |
| Loan loss allowance to noncurrent loans | 41.6093% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 3.4264% | 1,824 |
| Noncurrent loans to loans | 4.1363% | 1,610 |
| Net loans and leases to total assets | 53.9477% | 6,459 |
| Net loans and leases to deposits | 61.4028% | 6,787 |
| Net loans and leases to core deposits | 71.9710% | 6,900 |
| Total domestic deposits to total assets | 87.8587% | 1,835 |
| Equity capital to assets | 9.7440% | 4,289 |
| Core capital (leverage) ratio | 10.1592% | 3,138 |
| Tier 1 risk-based capital ratio | 13.9714% | 3,538 |
| Total risk-based capital ratio | 15.2217% | 3,472 |
| Memoranda: | ||
| Average total assets | $173,731,000 | 3,572 |
| Average earning assets | $147,426,670 | 3,786 |
| Average equity | $17,673,330 | 3,589 |
| Average total loans | $96,832,670 | 4,098 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2143% | 1,556 |
| Cost of funding earning assets | 2.0398% | 3,925 |
| Net interest margin | 4.1745% | 1,995 |
| Noninterest income to average assets | 0.9632% | 1,595 |
| Noninterest expense to average assets | 3.3524% | 2,488 |
| Loan and lease loss provision to assets | 0.1286% | 5,311 |
| Net operating income to assets | 1.0684% | 2,074 |
| Return on assets (ROA) | 1.0684% | 2,205 |
| Pretax return on assets | 1.0801% | 3,060 |
| Return on Equity (ROE) | 10.2757% | 2,205 |
| Retained earnings to average equity (ytd only) | 1.2817% | 5,123 |
| Net charge-offs to loans | 0.0083% | 5,545 |
| Credit loss provision to net charge-offs | 2,750.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 258.5000% | 163 |
| Efficiency ratio | 73.5008% | 3,914 |
| Assets per employee ($millions) | 3.5275% | 4,754 |
| Cash dividends to net income (ytd only)* | 87.5274% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 1,974 |
| Loan loss allowance to noncurrent loans | 46.5475% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 3.7680% | 1,400 |
| Noncurrent loans to loans | 3.7670% | 1,639 |
| Net loans and leases to total assets | 55.9910% | 6,240 |
| Net loans and leases to deposits | 64.1832% | 6,546 |
| Net loans and leases to core deposits | 76.6919% | 6,633 |
| Total domestic deposits to total assets | 87.2362% | 2,101 |
| Equity capital to assets | 10.4239% | 3,545 |
| Core capital (leverage) ratio | 10.6600% | 2,777 |
| Tier 1 risk-based capital ratio | 14.4500% | 3,335 |
| Total risk-based capital ratio | 15.7011% | 3,257 |
| Memoranda: | ||
| Average total assets | $171,100,500 | 3,634 |
| Average earning assets | $147,467,500 | 3,803 |
| Average equity | $17,789,500 | 3,595 |
| Average total loans | $96,122,500 | 4,142 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8050% | 1,657 |
| Cost of funding earning assets | 2.5862% | 3,753 |
| Net interest margin | 4.2188% | 2,236 |
| Noninterest income to average assets | 0.8738% | 2,085 |
| Noninterest expense to average assets | 3.2215% | 3,251 |
| Loan and lease loss provision to assets | 0.1601% | 5,332 |
| Net operating income to assets | 1.2033% | 1,756 |
| Return on assets (ROA) | 0.8581% | 3,033 |
| Pretax return on assets | 0.8610% | 3,850 |
| Return on Equity (ROE) | 8.5667% | 2,803 |
| Retained earnings to average equity (ytd only) | 2.6095% | 3,565 |
| Net charge-offs to loans | 0.1274% | 4,966 |
| Credit loss provision to net charge-offs | 223.5772% | 2,129 |
| Earnings coverage of net charge-offs (x) | 19.0813% | 1,660 |
| Efficiency ratio | 70.2195% | 4,309 |
| Assets per employee ($millions) | 3.5281% | 4,598 |
| Cash dividends to net income (ytd only)* | 69.5387% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 1,877 |
| Loan loss allowance to noncurrent loans | 139.4894% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 2.3357% | 2,079 |
| Noncurrent loans to loans | 1.2272% | 4,059 |
| Net loans and leases to total assets | 54.4363% | 6,607 |
| Net loans and leases to deposits | 62.2711% | 6,924 |
| Net loans and leases to core deposits | 74.0468% | 6,964 |
| Total domestic deposits to total assets | 87.4184% | 1,745 |
| Equity capital to assets | 10.3708% | 3,644 |
| Core capital (leverage) ratio | 10.5272% | 2,955 |
| Tier 1 risk-based capital ratio | 14.4529% | 3,320 |
| Total risk-based capital ratio | 15.7034% | 3,232 |
| Memoranda: | ||
| Average total assets | $171,782,800 | 3,525 |
| Average earning assets | $151,226,400 | 3,629 |
| Average equity | $17,206,200 | 3,699 |
| Average total loans | $96,550,400 | 4,046 |