Home > Titonka Savings Bank > Performance and Condition Ratios
Titonka Savings Bank, Performance and Condition Ratios
| 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 | 3.3644% | 3,280 |
| Cost of funding earning assets | -0.2433% | 4,950 |
| Net interest margin | 3.6077% | 1,574 |
| Noninterest income to average assets | 0.3523% | 3,349 |
| Noninterest expense to average assets | 1.7524% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8008% | 714 |
| Return on assets (ROA) | 1.8008% | 746 |
| Pretax return on assets | 1.8984% | 1,022 |
| Return on Equity (ROE) | 19.0878% | 534 |
| Retained earnings to average equity (ytd only) | 16.4204% | 312 |
| Net charge-offs to loans | -0.0151% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0011% | 4,386 |
| Assets per employee ($millions) | 7.5711% | 1,434 |
| Cash dividends to net income (ytd only)* | 13.9743% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0100% | 4,898 |
| Loan loss allowance to noncurrent loans | 1.6304% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 2,520 |
| Noncurrent loans to loans | 0.6110% | 1,876 |
| Net loans and leases to total assets | 45.8897% | 3,914 |
| Net loans and leases to deposits | 52.6705% | 3,955 |
| Net loans and leases to core deposits | 54.5984% | 3,987 |
| Total domestic deposits to total assets | 87.1261% | 2,253 |
| Equity capital to assets | 9.9193% | 2,924 |
| Core capital (leverage) ratio | 7.4264% | 4,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3348% | 1,856 |
| Memoranda: | ||
| Average total assets | $198,694,333 | 3,109 |
| Average earning assets | $181,669,333 | 3,124 |
| Average equity | $18,745,000 | 3,360 |
| Average total loans | $92,917,333 | 3,356 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9700% | 4,148 |
| Cost of funding earning assets | 0.3552% | 2,485 |
| Net interest margin | 2.6148% | 4,118 |
| Noninterest income to average assets | 0.3827% | 3,181 |
| Noninterest expense to average assets | 1.7493% | 4,289 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9859% | 2,852 |
| Return on assets (ROA) | 0.9859% | 2,949 |
| Pretax return on assets | 1.0380% | 3,262 |
| Return on Equity (ROE) | 10.7222% | 2,448 |
| Retained earnings to average equity (ytd only) | 10.7222% | 1,467 |
| Net charge-offs to loans | -0.0127% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7606% | 2,639 |
| Assets per employee ($millions) | 6.9947% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0055% | 4,930 |
| Loan loss allowance to noncurrent loans | 1.3928% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 3,313 |
| Noncurrent loans to loans | 0.3917% | 2,697 |
| Net loans and leases to total assets | 43.6767% | 4,137 |
| Net loans and leases to deposits | 49.2438% | 4,210 |
| Net loans and leases to core deposits | 52.7263% | 4,157 |
| Total domestic deposits to total assets | 88.6948% | 1,508 |
| Equity capital to assets | 8.7285% | 3,931 |
| Core capital (leverage) ratio | 8.3831% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5768% | 1,716 |
| Memoranda: | ||
| Average total assets | $199,617,500 | 3,092 |
| Average earning assets | $183,569,500 | 3,108 |
| Average equity | $18,354,500 | 3,391 |
| Average total loans | $94,205,000 | 3,348 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1834% | 4,993 |
| Cost of funding earning assets | 0.0360% | 4,955 |
| Net interest margin | 0.1474% | 4,992 |
| Noninterest income to average assets | 0.0354% | 4,887 |
| Noninterest expense to average assets | 0.2178% | 4,989 |
| Loan and lease loss provision to assets | 0.0011% | 4,314 |
| Net operating income to assets | -0.0471% | 4,757 |
| Return on assets (ROA) | -0.0497% | 4,790 |
| Pretax return on assets | -0.0497% | 4,780 |
| Return on Equity (ROE) | -0.4456% | 4,794 |
| Retained earnings to average equity (ytd only) | -0.4456% | 4,585 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.7692% | 63 |
| Assets per employee ($millions) | 5.5704% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0021% | 4,950 |
| Loan loss allowance to noncurrent loans | 0.2786% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 2,464 |
| Noncurrent loans to loans | 0.7421% | 1,848 |
| Net loans and leases to total assets | 51.0848% | 3,744 |
| Net loans and leases to deposits | 58.4888% | 3,861 |
| Net loans and leases to core deposits | 63.3876% | 3,741 |
| Total domestic deposits to total assets | 87.3411% | 1,766 |
| Equity capital to assets | 9.7116% | 3,391 |
| Core capital (leverage) ratio | 8.2908% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8194% | 1,914 |
| Memoranda: | ||
| Average total assets | $189,132,200 | 3,034 |
| Average earning assets | $175,031,400 | 3,032 |
| Average equity | $21,095,800 | 3,086 |
| Average total loans | $93,763,200 | 3,345 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5202% | 4,173 |
| Cost of funding earning assets | 0.6530% | 2,312 |
| Net interest margin | 2.8672% | 4,237 |
| Noninterest income to average assets | 0.4337% | 2,916 |
| Noninterest expense to average assets | 2.4224% | 3,075 |
| Loan and lease loss provision to assets | 0.2713% | 1,493 |
| Net operating income to assets | 0.3096% | 4,430 |
| Return on assets (ROA) | 0.7024% | 3,551 |
| Pretax return on assets | 0.8970% | 3,391 |
| Return on Equity (ROE) | 6.0996% | 3,523 |
| Retained earnings to average equity (ytd only) | 3.9561% | 3,075 |
| Net charge-offs to loans | 0.3569% | 445 |
| Credit loss provision to net charge-offs | 154.6185% | 2,302 |
| Earnings coverage of net charge-offs (x) | 3.8233% | 2,877 |
| Efficiency ratio | 78.2995% | 1,004 |
| Assets per employee ($millions) | 5.6201% | 2,610 |
| Cash dividends to net income (ytd only)* | 35.1406% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9950% | 497 |
| Loan loss allowance to noncurrent loans | 81.8016% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.1245% | 925 |
| Noncurrent loans to loans | 2.4388% | 434 |
| Net loans and leases to total assets | 44.9040% | 4,376 |
| Net loans and leases to deposits | 54.2789% | 4,327 |
| Net loans and leases to core deposits | 58.9861% | 4,255 |
| Total domestic deposits to total assets | 82.7282% | 3,211 |
| Equity capital to assets | 11.2871% | 2,159 |
| Core capital (leverage) ratio | 11.2841% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2345% | 646 |
| Memoranda: | ||
| Average total assets | $189,067,000 | 3,022 |
| Average earning assets | $175,404,250 | 3,021 |
| Average equity | $21,771,500 | 3,019 |
| Average total loans | $93,015,750 | 3,366 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5462% | 4,356 |
| Cost of funding earning assets | 0.6972% | 2,397 |
| Net interest margin | 2.8490% | 4,387 |
| Noninterest income to average assets | 0.4257% | 2,934 |
| Noninterest expense to average assets | 2.4705% | 3,045 |
| Loan and lease loss provision to assets | 0.3646% | 1,151 |
| Net operating income to assets | 0.1663% | 4,611 |
| Return on assets (ROA) | 0.7634% | 3,286 |
| Pretax return on assets | 0.9800% | 3,084 |
| Return on Equity (ROE) | 6.5841% | 3,297 |
| Retained earnings to average equity (ytd only) | 6.5841% | 1,833 |
| Net charge-offs to loans | 0.5235% | 306 |
| Credit loss provision to net charge-offs | 138.2114% | 2,187 |
| Earnings coverage of net charge-offs (x) | 2.2317% | 2,796 |
| Efficiency ratio | 80.7571% | 835 |
| Assets per employee ($millions) | 5.2850% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 601 |
| Loan loss allowance to noncurrent loans | 63.0294% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.5137% | 614 |
| Noncurrent loans to loans | 2.9158% | 343 |
| Net loans and leases to total assets | 50.7058% | 4,122 |
| Net loans and leases to deposits | 61.4883% | 4,039 |
| Net loans and leases to core deposits | 67.2240% | 3,909 |
| Total domestic deposits to total assets | 82.4641% | 3,250 |
| Equity capital to assets | 12.0368% | 1,635 |
| Core capital (leverage) ratio | 11.4663% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8766% | 688 |
| Memoranda: | ||
| Average total assets | $186,522,000 | 3,028 |
| Average earning assets | $172,410,333 | 3,030 |
| Average equity | $21,628,000 | 3,020 |
| Average total loans | $93,979,333 | 3,335 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6675% | 4,445 |
| Cost of funding earning assets | 0.7466% | 2,686 |
| Net interest margin | 2.9209% | 4,401 |
| Noninterest income to average assets | 0.4506% | 2,785 |
| Noninterest expense to average assets | 2.4411% | 3,448 |
| Loan and lease loss provision to assets | 0.0961% | 2,485 |
| Net operating income to assets | 0.4698% | 3,971 |
| Return on assets (ROA) | 0.4698% | 4,025 |
| Pretax return on assets | 0.5788% | 3,955 |
| Return on Equity (ROE) | 4.1296% | 3,915 |
| Retained earnings to average equity (ytd only) | 4.1296% | 2,631 |
| Net charge-offs to loans | -0.0129% | 4,166 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3413% | 1,300 |
| Assets per employee ($millions) | 5.2405% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8146% | 693 |
| Loan loss allowance to noncurrent loans | 61.9565% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.4704% | 740 |
| Noncurrent loans to loans | 2.9288% | 373 |
| Net loans and leases to total assets | 49.0440% | 4,286 |
| Net loans and leases to deposits | 59.2439% | 4,233 |
| Net loans and leases to core deposits | 64.6068% | 4,144 |
| Total domestic deposits to total assets | 82.7832% | 3,182 |
| Equity capital to assets | 11.6035% | 2,359 |
| Core capital (leverage) ratio | 11.5099% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6305% | 786 |
| Memoranda: | ||
| Average total assets | $187,295,500 | 2,981 |
| Average earning assets | $170,908,000 | 3,012 |
| Average equity | $21,309,500 | 3,048 |
| Average total loans | $93,194,500 | 3,337 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7857% | 4,582 |
| Cost of funding earning assets | 0.9449% | 1,981 |
| Net interest margin | 2.8407% | 4,721 |
| Noninterest income to average assets | 0.4027% | 3,281 |
| Noninterest expense to average assets | 2.3766% | 3,745 |
| Loan and lease loss provision to assets | 0.5453% | 228 |
| Net operating income to assets | 0.1177% | 4,916 |
| Return on assets (ROA) | 0.1182% | 4,934 |
| Pretax return on assets | 0.1055% | 4,941 |
| Return on Equity (ROE) | 1.0912% | 4,907 |
| Retained earnings to average equity (ytd only) | 0.0714% | 4,670 |
| Net charge-offs to loans | 0.9959% | 161 |
| Credit loss provision to net charge-offs | 110.7744% | 2,257 |
| Earnings coverage of net charge-offs (x) | 1.3210% | 3,553 |
| Efficiency ratio | 78.5180% | 1,092 |
| Assets per employee ($millions) | 5.1648% | 2,378 |
| Cash dividends to net income (ytd only)* | 93.4579% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8035% | 651 |
| Loan loss allowance to noncurrent loans | 60.0217% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.4968% | 675 |
| Noncurrent loans to loans | 3.0048% | 314 |
| Net loans and leases to total assets | 48.6689% | 4,390 |
| Net loans and leases to deposits | 57.8162% | 4,378 |
| Net loans and leases to core deposits | 62.9148% | 4,326 |
| Total domestic deposits to total assets | 84.1786% | 2,796 |
| Equity capital to assets | 11.1482% | 2,859 |
| Core capital (leverage) ratio | 11.3028% | 2,246 |
| Tier 1 risk-based capital ratio | 19.0233% | 1,509 |
| Total risk-based capital ratio | 20.2771% | 1,480 |
| Memoranda: | ||
| Average total assets | $181,012,600 | 3,013 |
| Average earning assets | $167,209,800 | 3,020 |
| Average equity | $19,611,400 | 3,167 |
| Average total loans | $89,465,200 | 3,405 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 4,640 |
| Cost of funding earning assets | 0.9695% | 1,891 |
| Net interest margin | 2.8574% | 4,799 |
| Noninterest income to average assets | 0.3960% | 3,345 |
| Noninterest expense to average assets | 2.4243% | 3,625 |
| Loan and lease loss provision to assets | 0.0831% | 2,245 |
| Net operating income to assets | 0.4407% | 4,638 |
| Return on assets (ROA) | 0.4413% | 4,673 |
| Pretax return on assets | 0.5518% | 4,620 |
| Return on Equity (ROE) | 4.1036% | 4,570 |
| Retained earnings to average equity (ytd only) | 2.7242% | 4,004 |
| Net charge-offs to loans | 0.0195% | 2,723 |
| Credit loss provision to net charge-offs | 861.5385% | 410 |
| Earnings coverage of net charge-offs (x) | 65.7802% | 999 |
| Efficiency ratio | 79.2677% | 984 |
| Assets per employee ($millions) | 4.8945% | 2,670 |
| Cash dividends to net income (ytd only)* | 33.6136% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 575 |
| Loan loss allowance to noncurrent loans | 62.4765% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.4793% | 762 |
| Noncurrent loans to loans | 3.0018% | 326 |
| Net loans and leases to total assets | 48.1046% | 4,510 |
| Net loans and leases to deposits | 57.4204% | 4,491 |
| Net loans and leases to core deposits | 62.4130% | 4,440 |
| Total domestic deposits to total assets | 83.7761% | 2,904 |
| Equity capital to assets | 11.2277% | 2,898 |
| Core capital (leverage) ratio | 11.8217% | 1,986 |
| Tier 1 risk-based capital ratio | 20.4116% | 1,303 |
| Total risk-based capital ratio | 21.6670% | 1,268 |
| Memoranda: | ||
| Average total assets | $179,782,750 | 3,045 |
| Average earning assets | $167,511,250 | 3,045 |
| Average equity | $19,332,250 | 3,211 |
| Average total loans | $88,793,250 | 3,466 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 4,615 |
| Cost of funding earning assets | 1.0051% | 1,674 |
| Net interest margin | 2.8598% | 4,863 |
| Noninterest income to average assets | 0.3937% | 3,307 |
| Noninterest expense to average assets | 2.4311% | 3,652 |
| Loan and lease loss provision to assets | 0.0836% | 2,172 |
| Net operating income to assets | 0.4518% | 4,639 |
| Return on assets (ROA) | 0.4528% | 4,663 |
| Pretax return on assets | 0.5453% | 4,636 |
| Return on Equity (ROE) | 4.2740% | 4,525 |
| Retained earnings to average equity (ytd only) | 3.2213% | 3,616 |
| Net charge-offs to loans | 0.0180% | 2,513 |
| Credit loss provision to net charge-offs | 937.5000% | 364 |
| Earnings coverage of net charge-offs (x) | 70.3750% | 892 |
| Efficiency ratio | 79.4750% | 1,014 |
| Assets per employee ($millions) | 4.9734% | 2,509 |
| Cash dividends to net income (ytd only)* | 24.6305% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 662 |
| Loan loss allowance to noncurrent loans | 81.0020% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.1662% | 1,158 |
| Noncurrent loans to loans | 2.2395% | 593 |
| Net loans and leases to total assets | 50.7767% | 4,426 |
| Net loans and leases to deposits | 60.8315% | 4,389 |
| Net loans and leases to core deposits | 66.3681% | 4,297 |
| Total domestic deposits to total assets | 83.4710% | 3,060 |
| Equity capital to assets | 11.4431% | 2,650 |
| Core capital (leverage) ratio | 11.4015% | 2,241 |
| Tier 1 risk-based capital ratio | 20.5252% | 1,247 |
| Total risk-based capital ratio | 21.7800% | 1,213 |
| Memoranda: | ||
| Average total assets | $179,344,670 | 3,061 |
| Average earning assets | $167,147,000 | 3,061 |
| Average equity | $18,998,670 | 3,248 |
| Average total loans | $88,797,330 | 3,485 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7598% | 4,763 |
| Cost of funding earning assets | 0.9405% | 1,831 |
| Net interest margin | 2.8193% | 4,974 |
| Noninterest income to average assets | 0.3825% | 3,309 |
| Noninterest expense to average assets | 2.3453% | 3,906 |
| Loan and lease loss provision to assets | 0.0835% | 2,035 |
| Net operating income to assets | 0.4902% | 4,548 |
| Return on assets (ROA) | 0.4902% | 4,569 |
| Pretax return on assets | 0.5825% | 4,547 |
| Return on Equity (ROE) | 4.8116% | 4,380 |
| Retained earnings to average equity (ytd only) | 4.8116% | 2,987 |
| Net charge-offs to loans | 0.0272% | 1,910 |
| Credit loss provision to net charge-offs | 633.3333% | 521 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 1,016 |
| Efficiency ratio | 77.8832% | 1,278 |
| Assets per employee ($millions) | 5.2166% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 678 |
| Loan loss allowance to noncurrent loans | 453.6932% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 3,814 |
| Noncurrent loans to loans | 0.4014% | 3,151 |
| Net loans and leases to total assets | 47.1531% | 4,614 |
| Net loans and leases to deposits | 55.5041% | 4,626 |
| Net loans and leases to core deposits | 61.2936% | 4,517 |
| Total domestic deposits to total assets | 84.9542% | 2,695 |
| Equity capital to assets | 10.4687% | 3,372 |
| Core capital (leverage) ratio | 11.2589% | 2,332 |
| Tier 1 risk-based capital ratio | 19.9160% | 1,351 |
| Total risk-based capital ratio | 21.1701% | 1,332 |
| Memoranda: | ||
| Average total assets | $181,982,000 | 3,069 |
| Average earning assets | $169,688,000 | 3,059 |
| Average equity | $18,538,500 | 3,307 |
| Average total loans | $88,186,000 | 3,531 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 4,564 |
| Cost of funding earning assets | 0.6310% | 2,516 |
| Net interest margin | 3.1330% | 4,602 |
| Noninterest income to average assets | 0.4249% | 3,276 |
| Noninterest expense to average assets | 2.5461% | 3,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6152% | 4,373 |
| Return on assets (ROA) | 0.6156% | 4,383 |
| Pretax return on assets | 0.7623% | 4,265 |
| Return on Equity (ROE) | 6.1280% | 4,135 |
| Retained earnings to average equity (ytd only) | 3.3196% | 3,749 |
| Net charge-offs to loans | 0.0468% | 2,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 1,487 |
| Efficiency ratio | 76.9703% | 1,238 |
| Assets per employee ($millions) | 5.0384% | 2,449 |
| Cash dividends to net income (ytd only)* | 45.8295% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7659% | 728 |
| Loan loss allowance to noncurrent loans | 978.7500% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 4,346 |
| Noncurrent loans to loans | 0.1804% | 3,944 |
| Net loans and leases to total assets | 48.0290% | 4,637 |
| Net loans and leases to deposits | 55.8758% | 4,671 |
| Net loans and leases to core deposits | 61.5770% | 4,559 |
| Total domestic deposits to total assets | 85.9567% | 2,256 |
| Equity capital to assets | 9.9034% | 3,758 |
| Core capital (leverage) ratio | 10.8418% | 2,688 |
| Tier 1 risk-based capital ratio | 19.6005% | 1,387 |
| Total risk-based capital ratio | 20.8543% | 1,355 |
| Memoranda: | ||
| Average total assets | $177,215,200 | 3,082 |
| Average earning assets | $163,070,400 | 3,107 |
| Average equity | $17,803,400 | 3,317 |
| Average total loans | $85,534,800 | 3,558 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 4,596 |
| Cost of funding earning assets | 0.5739% | 2,669 |
| Net interest margin | 3.1550% | 4,606 |
| Noninterest income to average assets | 0.4019% | 3,475 |
| Noninterest expense to average assets | 2.5293% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6268% | 4,430 |
| Return on assets (ROA) | 0.6274% | 4,442 |
| Pretax return on assets | 0.7689% | 4,377 |
| Return on Equity (ROE) | 6.2224% | 4,195 |
| Retained earnings to average equity (ytd only) | 4.3459% | 3,585 |
| Net charge-offs to loans | 0.0582% | 1,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 27.4336% | 1,702 |
| Efficiency ratio | 76.7042% | 1,268 |
| Assets per employee ($millions) | 4.9607% | 2,518 |
| Cash dividends to net income (ytd only)* | 30.1572% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 733 |
| Loan loss allowance to noncurrent loans | 1,601.0204% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,667 |
| Noncurrent loans to loans | 0.1121% | 4,388 |
| Net loans and leases to total assets | 48.0578% | 4,716 |
| Net loans and leases to deposits | 55.9045% | 4,755 |
| Net loans and leases to core deposits | 58.3095% | 4,768 |
| Total domestic deposits to total assets | 85.9641% | 2,215 |
| Equity capital to assets | 9.7113% | 3,911 |
| Core capital (leverage) ratio | 11.5126% | 2,158 |
| Tier 1 risk-based capital ratio | 19.6340% | 1,413 |
| Total risk-based capital ratio | 20.8878% | 1,375 |
| Memoranda: | ||
| Average total assets | $176,173,500 | 3,114 |
| Average earning assets | $161,688,500 | 3,151 |
| Average equity | $17,763,500 | 3,346 |
| Average total loans | $84,748,000 | 3,607 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 4,514 |
| Cost of funding earning assets | 0.5565% | 2,555 |
| Net interest margin | 3.1748% | 4,561 |
| Noninterest income to average assets | 0.3866% | 3,576 |
| Noninterest expense to average assets | 2.5135% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6409% | 4,375 |
| Return on assets (ROA) | 0.6409% | 4,383 |
| Pretax return on assets | 0.7812% | 4,302 |
| Return on Equity (ROE) | 6.2780% | 4,144 |
| Retained earnings to average equity (ytd only) | 4.8817% | 3,134 |
| Net charge-offs to loans | 0.0882% | 1,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 18.5135% | 1,897 |
| Efficiency ratio | 76.2894% | 1,387 |
| Assets per employee ($millions) | 4.7221% | 2,791 |
| Cash dividends to net income (ytd only)* | 22.2420% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8269% | 717 |
| Loan loss allowance to noncurrent loans | 1,743.3333% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 4,713 |
| Noncurrent loans to loans | 0.1048% | 4,444 |
| Net loans and leases to total assets | 49.5976% | 4,629 |
| Net loans and leases to deposits | 58.9593% | 4,592 |
| Net loans and leases to core deposits | 61.5850% | 4,624 |
| Total domestic deposits to total assets | 84.1218% | 3,018 |
| Equity capital to assets | 10.3733% | 3,249 |
| Core capital (leverage) ratio | 11.2830% | 2,273 |
| Tier 1 risk-based capital ratio | 20.0861% | 1,303 |
| Total risk-based capital ratio | 21.3406% | 1,274 |
| Memoranda: | ||
| Average total assets | $175,369,670 | 3,143 |
| Average earning assets | $160,640,000 | 3,180 |
| Average equity | $17,903,670 | 3,342 |
| Average total loans | $83,866,330 | 3,644 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6420% | 4,616 |
| Cost of funding earning assets | 0.5031% | 2,772 |
| Net interest margin | 3.1389% | 4,621 |
| Noninterest income to average assets | 0.4628% | 3,039 |
| Noninterest expense to average assets | 2.5273% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7001% | 4,096 |
| Return on assets (ROA) | 0.7099% | 4,074 |
| Pretax return on assets | 0.8200% | 4,103 |
| Return on Equity (ROE) | 7.0072% | 3,779 |
| Retained earnings to average equity (ytd only) | 7.0072% | 2,274 |
| Net charge-offs to loans | 0.1593% | 884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 10.9091% | 1,877 |
| Efficiency ratio | 75.7576% | 1,628 |
| Assets per employee ($millions) | 5.3064% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8869% | 673 |
| Loan loss allowance to noncurrent loans | 2,016.6667% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 4,845 |
| Noncurrent loans to loans | 0.0936% | 4,557 |
| Net loans and leases to total assets | 45.3347% | 4,830 |
| Net loans and leases to deposits | 52.3399% | 4,869 |
| Net loans and leases to core deposits | 54.9184% | 4,883 |
| Total domestic deposits to total assets | 86.6159% | 2,269 |
| Equity capital to assets | 9.7597% | 3,829 |
| Core capital (leverage) ratio | 11.2591% | 2,200 |
| Tier 1 risk-based capital ratio | 19.7452% | 1,386 |
| Total risk-based capital ratio | 20.9990% | 1,358 |
| Memoranda: | ||
| Average total assets | $178,057,500 | 3,148 |
| Average earning assets | $162,987,500 | 3,177 |
| Average equity | $18,038,500 | 3,351 |
| Average total loans | $82,858,500 | 3,694 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 4,751 |
| Cost of funding earning assets | 0.4287% | 2,968 |
| Net interest margin | 3.0928% | 4,706 |
| Noninterest income to average assets | 0.3892% | 3,708 |
| Noninterest expense to average assets | 2.7027% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3887% | 4,732 |
| Return on assets (ROA) | 0.4001% | 4,707 |
| Pretax return on assets | 0.5603% | 4,826 |
| Return on Equity (ROE) | 3.7674% | 4,576 |
| Retained earnings to average equity (ytd only) | 1.6053% | 4,345 |
| Net charge-offs to loans | 0.0039% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 316.0000% | 272 |
| Efficiency ratio | 83.2390% | 836 |
| Assets per employee ($millions) | 4.8805% | 2,632 |
| Cash dividends to net income (ytd only)* | 57.3888% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 5,135 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 45.9576% | 4,889 |
| Net loans and leases to deposits | 54.0906% | 4,890 |
| Net loans and leases to core deposits | 56.7673% | 4,898 |
| Total domestic deposits to total assets | 84.9641% | 2,844 |
| Equity capital to assets | 10.5117% | 3,159 |
| Core capital (leverage) ratio | 11.1014% | 2,246 |
| Tier 1 risk-based capital ratio | 19.9227% | 1,338 |
| Total risk-based capital ratio | 21.1775% | 1,302 |
| Memoranda: | ||
| Average total assets | $174,195,200 | 3,192 |
| Average earning assets | $160,954,200 | 3,186 |
| Average equity | $18,500,800 | 3,298 |
| Average total loans | $77,017,000 | 3,803 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5035% | 4,808 |
| Cost of funding earning assets | 0.4239% | 2,942 |
| Net interest margin | 3.0795% | 4,758 |
| Noninterest income to average assets | 0.3774% | 3,828 |
| Noninterest expense to average assets | 2.6901% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4300% | 4,927 |
| Return on assets (ROA) | 0.4472% | 4,914 |
| Pretax return on assets | 0.5561% | 4,915 |
| Return on Equity (ROE) | 4.1997% | 4,793 |
| Retained earnings to average equity (ytd only) | 2.7590% | 4,255 |
| Net charge-offs to loans | 0.0018% | 3,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 698.7293% | 146 |
| Efficiency ratio | 83.4206% | 803 |
| Assets per employee ($millions) | 4.8019% | 2,694 |
| Cash dividends to net income (ytd only)* | 34.3055% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0406% | 535 |
| Loan loss allowance to noncurrent loans | 160,800.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 5,225 |
| Noncurrent loans to loans | 0.0013% | 5,162 |
| Net loans and leases to total assets | 44.6544% | 4,999 |
| Net loans and leases to deposits | 52.4359% | 5,031 |
| Net loans and leases to core deposits | 55.5065% | 5,015 |
| Total domestic deposits to total assets | 85.1599% | 2,653 |
| Equity capital to assets | 10.9302% | 2,932 |
| Core capital (leverage) ratio | 11.4659% | 2,043 |
| Tier 1 risk-based capital ratio | 20.5622% | 1,271 |
| Total risk-based capital ratio | 21.8181% | 1,239 |
| Memoranda: | ||
| Average total assets | $173,819,250 | 3,219 |
| Average earning assets | $160,713,000 | 3,218 |
| Average equity | $18,508,750 | 3,328 |
| Average total loans | $75,683,000 | 3,866 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 4,814 |
| Cost of funding earning assets | 0.4169% | 2,916 |
| Net interest margin | 3.0613% | 4,768 |
| Noninterest income to average assets | 0.3721% | 3,895 |
| Noninterest expense to average assets | 2.6749% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4347% | 4,883 |
| Return on assets (ROA) | 0.4583% | 4,857 |
| Pretax return on assets | 0.5593% | 4,882 |
| Return on Equity (ROE) | 4.3417% | 4,714 |
| Retained earnings to average equity (ytd only) | 3.5256% | 3,612 |
| Net charge-offs to loans | 0.0027% | 3,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 462.0000% | 180 |
| Efficiency ratio | 83.4468% | 883 |
| Assets per employee ($millions) | 4.8057% | 2,642 |
| Cash dividends to net income (ytd only)* | 18.7970% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0787% | 530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 5,265 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 45.0356% | 4,989 |
| Net loans and leases to deposits | 53.1912% | 5,006 |
| Net loans and leases to core deposits | 55.7166% | 5,007 |
| Total domestic deposits to total assets | 84.6675% | 2,952 |
| Equity capital to assets | 11.2754% | 2,517 |
| Core capital (leverage) ratio | 11.0274% | 2,379 |
| Tier 1 risk-based capital ratio | 20.9135% | 1,202 |
| Total risk-based capital ratio | 22.1697% | 1,173 |
| Memoranda: | ||
| Average total assets | $174,135,670 | 3,235 |
| Average earning assets | $161,175,670 | 3,226 |
| Average equity | $18,380,000 | 3,348 |
| Average total loans | $74,643,330 | 3,906 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4267% | 4,883 |
| Cost of funding earning assets | 0.3974% | 3,016 |
| Net interest margin | 3.0293% | 4,830 |
| Noninterest income to average assets | 0.3681% | 3,903 |
| Noninterest expense to average assets | 2.6561% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4359% | 4,837 |
| Return on assets (ROA) | 0.4359% | 4,857 |
| Pretax return on assets | 0.5014% | 4,967 |
| Return on Equity (ROE) | 4.2681% | 4,684 |
| Retained earnings to average equity (ytd only) | 4.2681% | 3,305 |
| Net charge-offs to loans | -0.0164% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1202% | 959 |
| Assets per employee ($millions) | 4.7783% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1954% | 479 |
| Loan loss allowance to noncurrent loans | 161,200.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 5,306 |
| Noncurrent loans to loans | 0.0014% | 5,277 |
| Net loans and leases to total assets | 40.6192% | 5,223 |
| Net loans and leases to deposits | 46.6146% | 5,279 |
| Net loans and leases to core deposits | 48.7956% | 5,268 |
| Total domestic deposits to total assets | 87.1384% | 2,142 |
| Equity capital to assets | 10.3779% | 3,324 |
| Core capital (leverage) ratio | 10.9514% | 2,411 |
| Tier 1 risk-based capital ratio | 20.7494% | 1,254 |
| Total risk-based capital ratio | 22.0053% | 1,233 |
| Memoranda: | ||
| Average total assets | $177,104,500 | 3,218 |
| Average earning assets | $163,072,500 | 3,230 |
| Average equity | $18,087,500 | 3,403 |
| Average total loans | $73,286,500 | 3,965 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3959% | 4,988 |
| Cost of funding earning assets | 0.4117% | 2,892 |
| Net interest margin | 2.9842% | 4,996 |
| Noninterest income to average assets | 0.4437% | 3,586 |
| Noninterest expense to average assets | 2.6682% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3955% | 4,957 |
| Return on assets (ROA) | 0.4938% | 4,732 |
| Pretax return on assets | 0.6156% | 4,741 |
| Return on Equity (ROE) | 4.5579% | 4,635 |
| Retained earnings to average equity (ytd only) | 2.6067% | 4,038 |
| Net charge-offs to loans | 0.0125% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 97.1111% | 618 |
| Efficiency ratio | 83.2174% | 1,082 |
| Assets per employee ($millions) | 4.7949% | 2,658 |
| Cash dividends to net income (ytd only)* | 42.8082% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 470 |
| Loan loss allowance to noncurrent loans | 12,369.2308% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 5,336 |
| Noncurrent loans to loans | 0.0178% | 5,209 |
| Net loans and leases to total assets | 40.3239% | 5,301 |
| Net loans and leases to deposits | 47.3884% | 5,320 |
| Net loans and leases to core deposits | 49.1019% | 5,329 |
| Total domestic deposits to total assets | 85.0922% | 3,007 |
| Equity capital to assets | 10.0484% | 3,675 |
| Core capital (leverage) ratio | 10.7320% | 2,620 |
| Tier 1 risk-based capital ratio | 20.4085% | 1,302 |
| Total risk-based capital ratio | 21.6640% | 1,277 |
| Memoranda: | ||
| Average total assets | $177,385,200 | 3,191 |
| Average earning assets | $161,519,200 | 3,211 |
| Average equity | $19,219,400 | 3,248 |
| Average total loans | $72,200,000 | 3,990 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4091% | 5,013 |
| Cost of funding earning assets | 0.4168% | 2,868 |
| Net interest margin | 2.9923% | 5,027 |
| Noninterest income to average assets | 0.4089% | 3,854 |
| Noninterest expense to average assets | 2.6812% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3546% | 5,154 |
| Return on assets (ROA) | 0.4841% | 4,842 |
| Pretax return on assets | 0.6111% | 4,845 |
| Return on Equity (ROE) | 4.3881% | 4,768 |
| Retained earnings to average equity (ytd only) | 3.1957% | 3,993 |
| Net charge-offs to loans | 0.0111% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 99.1638% | 667 |
| Efficiency ratio | 84.0942% | 992 |
| Assets per employee ($millions) | 4.9161% | 2,470 |
| Cash dividends to net income (ytd only)* | 27.1741% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2320% | 486 |
| Loan loss allowance to noncurrent loans | 11,507.1429% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 5,454 |
| Noncurrent loans to loans | 0.0194% | 5,319 |
| Net loans and leases to total assets | 39.8722% | 5,382 |
| Net loans and leases to deposits | 46.7553% | 5,423 |
| Net loans and leases to core deposits | 49.9314% | 5,389 |
| Total domestic deposits to total assets | 85.2784% | 2,687 |
| Equity capital to assets | 11.2828% | 2,718 |
| Core capital (leverage) ratio | 10.9800% | 2,469 |
| Tier 1 risk-based capital ratio | 21.0322% | 1,269 |
| Total risk-based capital ratio | 22.2892% | 1,247 |
| Memoranda: | ||
| Average total assets | $177,378,750 | 3,207 |
| Average earning assets | $161,212,250 | 3,232 |
| Average equity | $19,567,500 | 3,233 |
| Average total loans | $71,963,250 | 4,020 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 5,138 |
| Cost of funding earning assets | 0.4172% | 2,863 |
| Net interest margin | 2.9564% | 5,160 |
| Noninterest income to average assets | 0.3448% | 4,314 |
| Noninterest expense to average assets | 2.6331% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3001% | 5,324 |
| Return on assets (ROA) | 0.4867% | 4,835 |
| Pretax return on assets | 0.6400% | 4,788 |
| Return on Equity (ROE) | 4.4458% | 4,738 |
| Retained earnings to average equity (ytd only) | 3.6740% | 3,551 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3368% | 937 |
| Assets per employee ($millions) | 4.6451% | 2,804 |
| Cash dividends to net income (ytd only)* | 17.3611% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2597% | 503 |
| Loan loss allowance to noncurrent loans | 2,215.0685% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 5,357 |
| Noncurrent loans to loans | 0.1020% | 5,040 |
| Net loans and leases to total assets | 40.6941% | 5,387 |
| Net loans and leases to deposits | 47.9137% | 5,421 |
| Net loans and leases to core deposits | 51.5896% | 5,374 |
| Total domestic deposits to total assets | 84.9322% | 2,910 |
| Equity capital to assets | 11.7007% | 2,356 |
| Core capital (leverage) ratio | 10.8172% | 2,627 |
| Tier 1 risk-based capital ratio | 21.1960% | 1,243 |
| Total risk-based capital ratio | 22.4527% | 1,220 |
| Memoranda: | ||
| Average total assets | $177,512,330 | 3,220 |
| Average earning assets | $161,077,000 | 3,257 |
| Average equity | $19,434,000 | 3,254 |
| Average total loans | $71,892,330 | 4,043 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 5,200 |
| Cost of funding earning assets | 0.4138% | 2,911 |
| Net interest margin | 2.9488% | 5,227 |
| Noninterest income to average assets | 0.3549% | 4,189 |
| Noninterest expense to average assets | 2.5885% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3018% | 5,302 |
| Return on assets (ROA) | 0.5168% | 4,664 |
| Pretax return on assets | 0.6965% | 4,540 |
| Return on Equity (ROE) | 4.8806% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.8806% | 3,011 |
| Net charge-offs to loans | -0.0056% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8148% | 1,084 |
| Assets per employee ($millions) | 5.0627% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2286% | 569 |
| Loan loss allowance to noncurrent loans | 3,172.5490% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 5,184 |
| Noncurrent loans to loans | 0.0702% | 5,195 |
| Net loans and leases to total assets | 38.9470% | 5,511 |
| Net loans and leases to deposits | 45.1417% | 5,552 |
| Net loans and leases to core deposits | 47.6358% | 5,527 |
| Total domestic deposits to total assets | 86.2771% | 2,551 |
| Equity capital to assets | 10.7266% | 3,222 |
| Core capital (leverage) ratio | 10.7705% | 2,650 |
| Tier 1 risk-based capital ratio | 20.0423% | 1,488 |
| Total risk-based capital ratio | 21.2981% | 1,463 |
| Memoranda: | ||
| Average total assets | $180,333,500 | 3,197 |
| Average earning assets | $161,421,500 | 3,265 |
| Average equity | $19,096,000 | 3,292 |
| Average total loans | $72,059,500 | 4,066 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3805% | 5,206 |
| Cost of funding earning assets | 0.4299% | 2,846 |
| Net interest margin | 2.9506% | 5,248 |
| Noninterest income to average assets | 0.5246% | 3,169 |
| Noninterest expense to average assets | 2.8088% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3607% | 5,176 |
| Return on assets (ROA) | 0.4191% | 5,076 |
| Pretax return on assets | 0.4730% | 5,170 |
| Return on Equity (ROE) | 3.8094% | 5,025 |
| Retained earnings to average equity (ytd only) | 2.3442% | 4,388 |
| Net charge-offs to loans | 0.0503% | 3,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 19.8571% | 1,915 |
| Efficiency ratio | 85.7117% | 1,018 |
| Assets per employee ($millions) | 4.8219% | 2,576 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2610% | 542 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 5,212 |
| Noncurrent loans to loans | 0.0685% | 5,242 |
| Net loans and leases to total assets | 39.1796% | 5,560 |
| Net loans and leases to deposits | 44.9969% | 5,612 |
| Net loans and leases to core deposits | 46.8888% | 5,609 |
| Total domestic deposits to total assets | 87.0718% | 2,092 |
| Equity capital to assets | 10.4490% | 3,423 |
| Core capital (leverage) ratio | 10.7169% | 2,693 |
| Tier 1 risk-based capital ratio | 19.9850% | 1,488 |
| Total risk-based capital ratio | 21.2416% | 1,458 |
| Memoranda: | ||
| Average total assets | $170,604,800 | 3,293 |
| Average earning assets | $155,630,000 | 3,322 |
| Average equity | $18,769,600 | 3,286 |
| Average total loans | $69,521,400 | 4,102 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3817% | 5,239 |
| Cost of funding earning assets | 0.4298% | 2,907 |
| Net interest margin | 2.9519% | 5,300 |
| Noninterest income to average assets | 0.5676% | 2,932 |
| Noninterest expense to average assets | 2.8025% | 3,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3829% | 5,222 |
| Return on assets (ROA) | 0.4538% | 5,049 |
| Pretax return on assets | 0.5684% | 5,051 |
| Return on Equity (ROE) | 4.0705% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.1841% | 4,197 |
| Net charge-offs to loans | 0.0483% | 2,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 24.2817% | 1,696 |
| Efficiency ratio | 83.7669% | 1,198 |
| Assets per employee ($millions) | 4.6062% | 2,827 |
| Cash dividends to net income (ytd only)* | 21.7768% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3614% | 528 |
| Loan loss allowance to noncurrent loans | 1,807.7778% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 5,241 |
| Noncurrent loans to loans | 0.1306% | 5,108 |
| Net loans and leases to total assets | 39.4717% | 5,623 |
| Net loans and leases to deposits | 45.7120% | 5,662 |
| Net loans and leases to core deposits | 47.2997% | 5,682 |
| Total domestic deposits to total assets | 86.3487% | 2,360 |
| Equity capital to assets | 11.2626% | 2,740 |
| Core capital (leverage) ratio | 10.9900% | 2,498 |
| Tier 1 risk-based capital ratio | 21.0890% | 1,330 |
| Total risk-based capital ratio | 22.3469% | 1,308 |
| Memoranda: | ||
| Average total assets | $168,653,750 | 3,354 |
| Average earning assets | $155,104,000 | 3,354 |
| Average equity | $18,801,500 | 3,309 |
| Average total loans | $69,022,500 | 4,154 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3731% | 5,287 |
| Cost of funding earning assets | 0.4296% | 2,938 |
| Net interest margin | 2.9435% | 5,355 |
| Noninterest income to average assets | 0.4165% | 3,954 |
| Noninterest expense to average assets | 2.7276% | 3,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3227% | 5,379 |
| Return on assets (ROA) | 0.4320% | 5,134 |
| Pretax return on assets | 0.5296% | 5,150 |
| Return on Equity (ROE) | 3.8885% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.3529% | 3,910 |
| Net charge-offs to loans | 0.0116% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 83.2500% | 686 |
| Efficiency ratio | 85.6000% | 1,094 |
| Assets per employee ($millions) | 4.3768% | 3,174 |
| Cash dividends to net income (ytd only)* | 13.7741% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4243% | 529 |
| Loan loss allowance to noncurrent loans | 1,554.7170% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 4,886 |
| Noncurrent loans to loans | 0.1559% | 5,126 |
| Net loans and leases to total assets | 40.9594% | 5,576 |
| Net loans and leases to deposits | 48.2748% | 5,580 |
| Net loans and leases to core deposits | 49.7913% | 5,624 |
| Total domestic deposits to total assets | 84.8463% | 3,192 |
| Equity capital to assets | 11.3924% | 2,503 |
| Core capital (leverage) ratio | 11.0257% | 2,395 |
| Tier 1 risk-based capital ratio | 20.4605% | 1,459 |
| Total risk-based capital ratio | 21.7175% | 1,431 |
| Memoranda: | ||
| Average total assets | $168,061,330 | 3,384 |
| Average earning assets | $154,576,330 | 3,381 |
| Average equity | $18,670,330 | 3,341 |
| Average total loans | $69,063,670 | 4,186 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3357% | 5,360 |
| Cost of funding earning assets | 0.4307% | 2,969 |
| Net interest margin | 2.9050% | 5,442 |
| Noninterest income to average assets | 0.4091% | 3,930 |
| Noninterest expense to average assets | 2.7045% | 3,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2867% | 5,457 |
| Return on assets (ROA) | 0.4909% | 4,850 |
| Pretax return on assets | 0.6311% | 4,829 |
| Return on Equity (ROE) | 4.4726% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.4726% | 3,335 |
| Net charge-offs to loans | 0.0230% | 2,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 39.5000% | 980 |
| Efficiency ratio | 86.3118% | 1,152 |
| Assets per employee ($millions) | 4.7226% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4060% | 607 |
| Loan loss allowance to noncurrent loans | 2,086.0759% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 5,053 |
| Noncurrent loans to loans | 0.1153% | 5,352 |
| Net loans and leases to total assets | 39.3188% | 5,639 |
| Net loans and leases to deposits | 45.3692% | 5,686 |
| Net loans and leases to core deposits | 47.9637% | 5,672 |
| Total domestic deposits to total assets | 86.6640% | 2,566 |
| Equity capital to assets | 11.2574% | 2,696 |
| Core capital (leverage) ratio | 10.7887% | 2,640 |
| Tier 1 risk-based capital ratio | 19.4449% | 1,750 |
| Total risk-based capital ratio | 20.7017% | 1,707 |
| Memoranda: | ||
| Average total assets | $171,121,500 | 3,340 |
| Average earning assets | $156,970,500 | 3,366 |
| Average equity | $18,781,000 | 3,357 |
| Average total loans | $69,606,500 | 4,188 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3799% | 5,569 |
| Cost of funding earning assets | 0.4480% | 3,188 |
| Net interest margin | 2.9319% | 5,579 |
| Noninterest income to average assets | 0.4534% | 3,809 |
| Noninterest expense to average assets | 2.7168% | 3,806 |
| Loan and lease loss provision to assets | 0.0705% | 3,077 |
| Net operating income to assets | 0.2773% | 5,579 |
| Return on assets (ROA) | 0.4833% | 4,965 |
| Pretax return on assets | 0.6096% | 4,913 |
| Return on Equity (ROE) | 4.6516% | 4,819 |
| Retained earnings to average equity (ytd only) | 1.4017% | 5,139 |
| Net charge-offs to loans | -0.0062% | 5,493 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9625% | 1,290 |
| Assets per employee ($millions) | 4.5324% | 2,986 |
| Cash dividends to net income (ytd only)* | 69.8663% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3360% | 685 |
| Loan loss allowance to noncurrent loans | 2,091.1392% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 5,159 |
| Noncurrent loans to loans | 0.1117% | 5,446 |
| Net loans and leases to total assets | 40.1010% | 5,733 |
| Net loans and leases to deposits | 48.2716% | 5,671 |
| Net loans and leases to core deposits | 51.2348% | 5,649 |
| Total domestic deposits to total assets | 83.0738% | 4,052 |
| Equity capital to assets | 10.6967% | 3,242 |
| Core capital (leverage) ratio | 10.6254% | 2,808 |
| Tier 1 risk-based capital ratio | 19.5746% | 1,698 |
| Total risk-based capital ratio | 20.8321% | 1,658 |
| Memoranda: | ||
| Average total assets | $170,271,400 | 3,338 |
| Average earning assets | $155,801,400 | 3,344 |
| Average equity | $17,693,000 | 3,429 |
| Average total loans | $64,038,200 | 4,362 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3328% | 5,703 |
| Cost of funding earning assets | 0.4456% | 3,303 |
| Net interest margin | 2.8872% | 5,728 |
| Noninterest income to average assets | 0.4602% | 3,821 |
| Noninterest expense to average assets | 2.7297% | 3,715 |
| Loan and lease loss provision to assets | 0.0825% | 2,703 |
| Net operating income to assets | 0.2279% | 5,791 |
| Return on assets (ROA) | 0.5034% | 4,926 |
| Pretax return on assets | 0.6377% | 4,914 |
| Return on Equity (ROE) | 4.8808% | 4,779 |
| Retained earnings to average equity (ytd only) | 2.0254% | 5,038 |
| Net charge-offs to loans | -0.0064% | 5,341 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3257% | 1,154 |
| Assets per employee ($millions) | 4.3104% | 3,281 |
| Cash dividends to net income (ytd only)* | 58.5023% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5667% | 602 |
| Loan loss allowance to noncurrent loans | 2,072.1519% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 5,333 |
| Noncurrent loans to loans | 0.1239% | 5,556 |
| Net loans and leases to total assets | 36.9664% | 5,994 |
| Net loans and leases to deposits | 42.0845% | 6,046 |
| Net loans and leases to core deposits | 44.7319% | 6,009 |
| Total domestic deposits to total assets | 87.8385% | 1,842 |
| Equity capital to assets | 10.7386% | 3,248 |
| Core capital (leverage) ratio | 10.6420% | 2,868 |
| Tier 1 risk-based capital ratio | 21.4480% | 1,362 |
| Total risk-based capital ratio | 22.7069% | 1,330 |
| Memoranda: | ||
| Average total assets | $169,781,750 | 3,370 |
| Average earning assets | $155,301,500 | 3,375 |
| Average equity | $17,510,500 | 3,467 |
| Average total loans | $62,368,250 | 4,446 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3093% | 5,775 |
| Cost of funding earning assets | 0.4454% | 3,384 |
| Net interest margin | 2.8640% | 5,792 |
| Noninterest income to average assets | 0.4074% | 4,193 |
| Noninterest expense to average assets | 2.7345% | 3,746 |
| Loan and lease loss provision to assets | 0.1057% | 2,257 |
| Net operating income to assets | 0.1393% | 5,971 |
| Return on assets (ROA) | 0.5131% | 4,848 |
| Pretax return on assets | 0.6528% | 4,776 |
| Return on Equity (ROE) | 5.0433% | 4,652 |
| Retained earnings to average equity (ytd only) | 1.8696% | 4,952 |
| Net charge-offs to loans | -0.0065% | 5,222 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8025% | 1,013 |
| Assets per employee ($millions) | 4.3798% | 3,117 |
| Cash dividends to net income (ytd only)* | 62.9291% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6124% | 597 |
| Loan loss allowance to noncurrent loans | 2,315.7143% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 5,457 |
| Noncurrent loans to loans | 0.1128% | 5,674 |
| Net loans and leases to total assets | 36.3093% | 6,035 |
| Net loans and leases to deposits | 41.7964% | 6,076 |
| Net loans and leases to core deposits | 44.4266% | 6,049 |
| Total domestic deposits to total assets | 86.8720% | 2,532 |
| Equity capital to assets | 10.8598% | 3,021 |
| Core capital (leverage) ratio | 10.5042% | 2,945 |
| Tier 1 risk-based capital ratio | 21.8277% | 1,285 |
| Total risk-based capital ratio | 23.0871% | 1,259 |
| Memoranda: | ||
| Average total assets | $170,341,000 | 3,379 |
| Average earning assets | $155,379,330 | 3,389 |
| Average equity | $17,330,000 | 3,493 |
| Average total loans | $61,898,000 | 4,485 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2882% | 5,868 |
| Cost of funding earning assets | 0.4405% | 3,531 |
| Net interest margin | 2.8477% | 5,852 |
| Noninterest income to average assets | 0.4086% | 4,111 |
| Noninterest expense to average assets | 2.7395% | 3,799 |
| Loan and lease loss provision to assets | 0.1741% | 1,390 |
| Net operating income to assets | 0.0540% | 6,118 |
| Return on assets (ROA) | 0.6408% | 4,084 |
| Pretax return on assets | 0.8590% | 3,867 |
| Return on Equity (ROE) | 6.5102% | 3,741 |
| Retained earnings to average equity (ytd only) | 2.3824% | 4,648 |
| Net charge-offs to loans | 0.0259% | 3,054 |
| Credit loss provision to net charge-offs | 1,875.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,115 |
| Efficiency ratio | 89.9068% | 1,044 |
| Assets per employee ($millions) | 4.5281% | 2,929 |
| Cash dividends to net income (ytd only)* | 63.4058% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6529% | 673 |
| Loan loss allowance to noncurrent loans | 941.1765% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 5,612 |
| Noncurrent loans to loans | 0.2819% | 5,265 |
| Net loans and leases to total assets | 34.1216% | 6,175 |
| Net loans and leases to deposits | 38.2222% | 6,236 |
| Net loans and leases to core deposits | 40.6438% | 6,214 |
| Total domestic deposits to total assets | 89.2716% | 1,493 |
| Equity capital to assets | 10.0763% | 3,753 |
| Core capital (leverage) ratio | 10.5035% | 2,928 |
| Tier 1 risk-based capital ratio | 21.3147% | 1,415 |
| Total risk-based capital ratio | 22.5734% | 1,387 |
| Memoranda: | ||
| Average total assets | $172,296,000 | 3,377 |
| Average earning assets | $156,195,500 | 3,402 |
| Average equity | $16,958,000 | 3,557 |
| Average total loans | $61,821,500 | 4,529 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3912% | 5,853 |
| Cost of funding earning assets | 0.4764% | 3,851 |
| Net interest margin | 2.9149% | 5,762 |
| Noninterest income to average assets | 0.3524% | 4,791 |
| Noninterest expense to average assets | 2.3660% | 5,179 |
| Loan and lease loss provision to assets | 0.0347% | 4,428 |
| Net operating income to assets | 0.4851% | 4,796 |
| Return on assets (ROA) | 0.5020% | 4,860 |
| Pretax return on assets | 0.6163% | 4,819 |
| Return on Equity (ROE) | 4.8336% | 4,699 |
| Retained earnings to average equity (ytd only) | 2.0525% | 4,780 |
| Net charge-offs to loans | 0.1307% | 3,504 |
| Credit loss provision to net charge-offs | 76.9231% | 3,116 |
| Earnings coverage of net charge-offs (x) | 13.9872% | 1,972 |
| Efficiency ratio | 77.2508% | 2,582 |
| Assets per employee ($millions) | 4.5401% | 2,838 |
| Cash dividends to net income (ytd only)* | 57.5374% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4143% | 913 |
| Loan loss allowance to noncurrent loans | 883.8150% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 5,678 |
| Noncurrent loans to loans | 0.2732% | 5,357 |
| Net loans and leases to total assets | 35.8221% | 6,213 |
| Net loans and leases to deposits | 41.5509% | 6,251 |
| Net loans and leases to core deposits | 45.1109% | 6,180 |
| Total domestic deposits to total assets | 86.2124% | 3,156 |
| Equity capital to assets | 9.6090% | 4,276 |
| Core capital (leverage) ratio | 10.3137% | 3,131 |
| Tier 1 risk-based capital ratio | 20.0731% | 1,639 |
| Total risk-based capital ratio | 21.3289% | 1,609 |
| Memoranda: | ||
| Average total assets | $173,122,400 | 3,363 |
| Average earning assets | $157,022,600 | 3,387 |
| Average equity | $17,978,200 | 3,420 |
| Average total loans | $59,659,600 | 4,621 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3736% | 5,938 |
| Cost of funding earning assets | 0.4767% | 4,004 |
| Net interest margin | 2.8969% | 5,825 |
| Noninterest income to average assets | 0.3086% | 5,235 |
| Noninterest expense to average assets | 2.4170% | 4,972 |
| Loan and lease loss provision to assets | 0.0346% | 4,324 |
| Net operating income to assets | 0.3596% | 5,405 |
| Return on assets (ROA) | 0.3801% | 5,471 |
| Pretax return on assets | 0.5125% | 5,316 |
| Return on Equity (ROE) | 3.5936% | 5,386 |
| Retained earnings to average equity (ytd only) | -0.0436% | 5,947 |
| Net charge-offs to loans | 0.1680% | 2,877 |
| Credit loss provision to net charge-offs | 60.8108% | 3,282 |
| Earnings coverage of net charge-offs (x) | 9.1220% | 2,522 |
| Efficiency ratio | 80.5556% | 2,024 |
| Assets per employee ($millions) | 4.5904% | 2,734 |
| Cash dividends to net income (ytd only)* | 101.2146% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6450% | 791 |
| Loan loss allowance to noncurrent loans | 872.4138% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 5,786 |
| Noncurrent loans to loans | 0.3032% | 5,472 |
| Net loans and leases to total assets | 32.8967% | 6,414 |
| Net loans and leases to deposits | 36.5989% | 6,483 |
| Net loans and leases to core deposits | 39.1380% | 6,476 |
| Total domestic deposits to total assets | 89.8842% | 1,067 |
| Equity capital to assets | 9.8649% | 4,090 |
| Core capital (leverage) ratio | 10.1826% | 3,424 |
| Tier 1 risk-based capital ratio | 21.4420% | 1,409 |
| Total risk-based capital ratio | 22.7004% | 1,383 |
| Memoranda: | ||
| Average total assets | $173,271,750 | 3,384 |
| Average earning assets | $157,175,250 | 3,423 |
| Average equity | $18,328,250 | 3,399 |
| Average total loans | $58,741,750 | 4,690 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3536% | 5,998 |
| Cost of funding earning assets | 0.4776% | 4,122 |
| Net interest margin | 2.8760% | 5,839 |
| Noninterest income to average assets | 0.4266% | 4,328 |
| Noninterest expense to average assets | 2.4012% | 5,046 |
| Loan and lease loss provision to assets | 0.0344% | 4,254 |
| Net operating income to assets | 0.4673% | 4,939 |
| Return on assets (ROA) | 0.5000% | 4,973 |
| Pretax return on assets | 0.6353% | 4,895 |
| Return on Equity (ROE) | 4.6253% | 4,936 |
| Retained earnings to average equity (ytd only) | 0.6471% | 5,642 |
| Net charge-offs to loans | 0.2703% | 2,124 |
| Credit loss provision to net charge-offs | 37.5000% | 3,461 |
| Earnings coverage of net charge-offs (x) | 6.8500% | 2,640 |
| Efficiency ratio | 77.5549% | 2,533 |
| Assets per employee ($millions) | 4.5268% | 2,779 |
| Cash dividends to net income (ytd only)* | 86.0092% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7289% | 765 |
| Loan loss allowance to noncurrent loans | 478.2748% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 5,486 |
| Noncurrent loans to loans | 0.5706% | 4,833 |
| Net loans and leases to total assets | 31.8580% | 6,515 |
| Net loans and leases to deposits | 36.8518% | 6,527 |
| Net loans and leases to core deposits | 38.7715% | 6,513 |
| Total domestic deposits to total assets | 86.4490% | 3,142 |
| Equity capital to assets | 10.1646% | 3,708 |
| Core capital (leverage) ratio | 10.0489% | 3,448 |
| Tier 1 risk-based capital ratio | 22.4770% | 1,206 |
| Total risk-based capital ratio | 23.7362% | 1,191 |
| Memoranda: | ||
| Average total assets | $174,414,330 | 3,383 |
| Average earning assets | $157,859,000 | 3,432 |
| Average equity | $18,852,670 | 3,347 |
| Average total loans | $59,192,000 | 4,699 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3116% | 6,136 |
| Cost of funding earning assets | 0.4706% | 4,365 |
| Net interest margin | 2.8411% | 5,940 |
| Noninterest income to average assets | 0.3980% | 4,471 |
| Noninterest expense to average assets | 2.2870% | 5,462 |
| Loan and lease loss provision to assets | 0.0337% | 4,022 |
| Net operating income to assets | 0.4663% | 4,843 |
| Return on assets (ROA) | 0.5262% | 4,695 |
| Pretax return on assets | 0.7106% | 4,534 |
| Return on Equity (ROE) | 4.7353% | 4,718 |
| Retained earnings to average equity (ytd only) | -2.8533% | 6,175 |
| Net charge-offs to loans | 0.5215% | 1,150 |
| Credit loss provision to net charge-offs | 18.7500% | 3,055 |
| Earnings coverage of net charge-offs (x) | 3.6875% | 2,699 |
| Efficiency ratio | 75.8384% | 2,950 |
| Assets per employee ($millions) | 4.7818% | 2,523 |
| Cash dividends to net income (ytd only)* | 160.2564% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5914% | 1,020 |
| Loan loss allowance to noncurrent loans | 475.0000% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 5,642 |
| Noncurrent loans to loans | 0.5456% | 5,077 |
| Net loans and leases to total assets | 31.4860% | 6,539 |
| Net loans and leases to deposits | 35.9101% | 6,573 |
| Net loans and leases to core deposits | 37.4191% | 6,582 |
| Total domestic deposits to total assets | 87.6802% | 2,530 |
| Equity capital to assets | 10.9939% | 2,964 |
| Core capital (leverage) ratio | 10.2293% | 3,108 |
| Tier 1 risk-based capital ratio | 21.4213% | 1,444 |
| Total risk-based capital ratio | 22.6791% | 1,415 |
| Memoranda: | ||
| Average total assets | $177,875,000 | 3,370 |
| Average earning assets | $159,799,500 | 3,434 |
| Average equity | $19,766,500 | 3,274 |
| Average total loans | $61,359,500 | 4,654 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6207% | 6,189 |
| Cost of funding earning assets | 0.5931% | 4,414 |
| Net interest margin | 3.0276% | 5,984 |
| Noninterest income to average assets | 0.4733% | 4,074 |
| Noninterest expense to average assets | 2.3820% | 5,464 |
| Loan and lease loss provision to assets | 0.0305% | 5,518 |
| Net operating income to assets | 0.6208% | 4,142 |
| Return on assets (ROA) | 1.7787% | 597 |
| Pretax return on assets | 2.0197% | 577 |
| Return on Equity (ROE) | 16.0475% | 653 |
| Retained earnings to average equity (ytd only) | 12.6080% | 279 |
| Net charge-offs to loans | 0.0415% | 5,338 |
| Credit loss provision to net charge-offs | 200.0000% | 1,294 |
| Earnings coverage of net charge-offs (x) | 56.1600% | 627 |
| Efficiency ratio | 71.8779% | 3,434 |
| Assets per employee ($millions) | 4.8331% | 2,446 |
| Cash dividends to net income (ytd only)* | 21.4335% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3608% | 1,290 |
| Loan loss allowance to noncurrent loans | 1,081.8182% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 6,021 |
| Noncurrent loans to loans | 0.2182% | 5,930 |
| Net loans and leases to total assets | 35.7799% | 6,447 |
| Net loans and leases to deposits | 42.1440% | 6,458 |
| Net loans and leases to core deposits | 43.8838% | 6,471 |
| Total domestic deposits to total assets | 84.8991% | 3,905 |
| Equity capital to assets | 11.2300% | 2,704 |
| Core capital (leverage) ratio | 10.5331% | 2,722 |
| Tier 1 risk-based capital ratio | 19.6655% | 1,771 |
| Total risk-based capital ratio | 20.9220% | 1,737 |
| Memoranda: | ||
| Average total assets | $163,938,600 | 3,550 |
| Average earning assets | $149,724,400 | 3,557 |
| Average equity | $18,171,000 | 3,444 |
| Average total loans | $60,196,000 | 4,704 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6858% | 6,243 |
| Cost of funding earning assets | 0.6156% | 4,495 |
| Net interest margin | 3.0701% | 6,013 |
| Noninterest income to average assets | 0.5209% | 3,797 |
| Noninterest expense to average assets | 2.4441% | 5,256 |
| Loan and lease loss provision to assets | 0.0416% | 5,253 |
| Net operating income to assets | 0.6292% | 4,247 |
| Return on assets (ROA) | 0.7739% | 3,832 |
| Pretax return on assets | 1.0527% | 3,525 |
| Return on Equity (ROE) | 7.0082% | 3,811 |
| Retained earnings to average equity (ytd only) | 5.1242% | 3,271 |
| Net charge-offs to loans | -0.0045% | 6,266 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4464% | 3,424 |
| Assets per employee ($millions) | 4.3794% | 3,104 |
| Cash dividends to net income (ytd only)* | 26.8821% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7713% | 910 |
| Loan loss allowance to noncurrent loans | 742.4528% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 5,996 |
| Noncurrent loans to loans | 0.3733% | 5,731 |
| Net loans and leases to total assets | 33.1837% | 6,697 |
| Net loans and leases to deposits | 37.8043% | 6,758 |
| Net loans and leases to core deposits | 38.6250% | 6,785 |
| Total domestic deposits to total assets | 87.7776% | 2,187 |
| Equity capital to assets | 11.1648% | 3,077 |
| Core capital (leverage) ratio | 9.6809% | 3,995 |
| Tier 1 risk-based capital ratio | 20.5264% | 1,632 |
| Total risk-based capital ratio | 21.7864% | 1,595 |
| Memoranda: | ||
| Average total assets | $160,217,250 | 3,653 |
| Average earning assets | $147,265,500 | 3,639 |
| Average equity | $17,693,250 | 3,546 |
| Average total loans | $58,862,500 | 4,806 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7053% | 6,324 |
| Cost of funding earning assets | 0.6372% | 4,553 |
| Net interest margin | 3.0681% | 6,081 |
| Noninterest income to average assets | 0.4742% | 4,101 |
| Noninterest expense to average assets | 2.4824% | 5,197 |
| Loan and lease loss provision to assets | 0.0632% | 4,862 |
| Net operating income to assets | 0.5629% | 4,520 |
| Return on assets (ROA) | 0.7828% | 3,724 |
| Pretax return on assets | 1.0572% | 3,477 |
| Return on Equity (ROE) | 7.1159% | 3,720 |
| Retained earnings to average equity (ytd only) | 5.6789% | 2,889 |
| Net charge-offs to loans | 0.0403% | 4,813 |
| Credit loss provision to net charge-offs | 416.6667% | 711 |
| Earnings coverage of net charge-offs (x) | 54.2500% | 685 |
| Efficiency ratio | 73.3741% | 3,178 |
| Assets per employee ($millions) | 4.0772% | 3,704 |
| Cash dividends to net income (ytd only)* | 20.1939% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6912% | 1,043 |
| Loan loss allowance to noncurrent loans | 652.7197% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 5,984 |
| Noncurrent loans to loans | 0.4123% | 5,711 |
| Net loans and leases to total assets | 35.4732% | 6,640 |
| Net loans and leases to deposits | 40.4034% | 6,722 |
| Net loans and leases to core deposits | 41.3968% | 6,758 |
| Total domestic deposits to total assets | 87.7976% | 2,284 |
| Equity capital to assets | 11.2622% | 2,833 |
| Core capital (leverage) ratio | 9.6745% | 3,881 |
| Tier 1 risk-based capital ratio | 20.2612% | 1,648 |
| Total risk-based capital ratio | 21.5220% | 1,609 |
| Memoranda: | ||
| Average total assets | $158,151,000 | 3,699 |
| Average earning assets | $145,953,670 | 3,680 |
| Average equity | $17,397,670 | 3,585 |
| Average total loans | $59,551,000 | 4,809 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 6,439 |
| Cost of funding earning assets | 0.6557% | 4,673 |
| Net interest margin | 3.0443% | 6,202 |
| Noninterest income to average assets | 0.6087% | 3,176 |
| Noninterest expense to average assets | 2.4245% | 5,391 |
| Loan and lease loss provision to assets | 0.0761% | 4,446 |
| Net operating income to assets | 0.6898% | 3,933 |
| Return on assets (ROA) | 0.6898% | 4,152 |
| Pretax return on assets | 0.9105% | 3,995 |
| Return on Equity (ROE) | 6.3468% | 4,121 |
| Retained earnings to average equity (ytd only) | 6.3468% | 2,774 |
| Net charge-offs to loans | -0.0066% | 5,846 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4424% | 3,909 |
| Assets per employee ($millions) | 4.3103% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7194% | 1,091 |
| Loan loss allowance to noncurrent loans | 359.4907% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 5,733 |
| Noncurrent loans to loans | 0.7565% | 5,151 |
| Net loans and leases to total assets | 33.9182% | 6,746 |
| Net loans and leases to deposits | 38.2294% | 6,810 |
| Net loans and leases to core deposits | 39.2099% | 6,840 |
| Total domestic deposits to total assets | 88.7228% | 1,872 |
| Equity capital to assets | 10.5513% | 3,427 |
| Core capital (leverage) ratio | 9.8876% | 3,518 |
| Tier 1 risk-based capital ratio | 19.5992% | 1,812 |
| Total risk-based capital ratio | 20.8585% | 1,785 |
| Memoranda: | ||
| Average total assets | $157,721,500 | 3,727 |
| Average earning assets | $145,187,000 | 3,712 |
| Average equity | $17,142,500 | 3,620 |
| Average total loans | $60,343,500 | 4,802 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 5,783 |
| Cost of funding earning assets | 0.8389% | 4,555 |
| Net interest margin | 3.4538% | 5,317 |
| Noninterest income to average assets | 0.4248% | 4,408 |
| Noninterest expense to average assets | 2.7370% | 4,598 |
| Loan and lease loss provision to assets | 0.1670% | 4,553 |
| Net operating income to assets | 0.5261% | 4,326 |
| Return on assets (ROA) | 0.8215% | 3,110 |
| Pretax return on assets | 1.0800% | 2,909 |
| Return on Equity (ROE) | 7.9845% | 2,906 |
| Retained earnings to average equity (ytd only) | 3.1159% | 4,010 |
| Net charge-offs to loans | 0.0195% | 6,169 |
| Credit loss provision to net charge-offs | 2,083.3333% | 110 |
| Earnings coverage of net charge-offs (x) | 107.0833% | 295 |
| Efficiency ratio | 74.4752% | 3,147 |
| Assets per employee ($millions) | 3.9908% | 3,880 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3939% | 1,469 |
| Loan loss allowance to noncurrent loans | 673.4513% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 5,967 |
| Noncurrent loans to loans | 0.3555% | 6,008 |
| Net loans and leases to total assets | 40.9207% | 6,475 |
| Net loans and leases to deposits | 47.7667% | 6,512 |
| Net loans and leases to core deposits | 49.0418% | 6,590 |
| Total domestic deposits to total assets | 85.6678% | 3,499 |
| Equity capital to assets | 11.2119% | 2,780 |
| Core capital (leverage) ratio | 9.6872% | 3,759 |
| Tier 1 risk-based capital ratio | 17.9344% | 2,213 |
| Total risk-based capital ratio | 19.1920% | 2,184 |
| Memoranda: | ||
| Average total assets | $149,727,200 | 3,804 |
| Average earning assets | $137,442,800 | 3,797 |
| Average equity | $15,404,800 | 3,835 |
| Average total loans | $61,512,600 | 4,809 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3962% | 5,612 |
| Cost of funding earning assets | 0.8820% | 4,533 |
| Net interest margin | 3.5142% | 5,125 |
| Noninterest income to average assets | 0.4074% | 4,614 |
| Noninterest expense to average assets | 2.7435% | 4,564 |
| Loan and lease loss provision to assets | 0.1831% | 4,204 |
| Net operating income to assets | 0.5810% | 4,170 |
| Return on assets (ROA) | 0.5869% | 4,328 |
| Pretax return on assets | 0.7093% | 4,439 |
| Return on Equity (ROE) | 5.8378% | 4,098 |
| Retained earnings to average equity (ytd only) | 2.5057% | 4,866 |
| Net charge-offs to loans | 0.0393% | 5,598 |
| Credit loss provision to net charge-offs | 1,138.8889% | 236 |
| Earnings coverage of net charge-offs (x) | 55.0542% | 594 |
| Efficiency ratio | 73.9537% | 3,188 |
| Assets per employee ($millions) | 4.0208% | 3,803 |
| Cash dividends to net income (ytd only)* | 57.0778% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4091% | 1,524 |
| Loan loss allowance to noncurrent loans | 374.3003% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 5,823 |
| Noncurrent loans to loans | 0.6436% | 5,600 |
| Net loans and leases to total assets | 39.0001% | 6,711 |
| Net loans and leases to deposits | 44.2577% | 6,818 |
| Net loans and leases to core deposits | 45.5121% | 6,865 |
| Total domestic deposits to total assets | 88.1205% | 1,978 |
| Equity capital to assets | 10.9593% | 3,185 |
| Core capital (leverage) ratio | 9.6620% | 3,897 |
| Tier 1 risk-based capital ratio | 18.6259% | 2,052 |
| Total risk-based capital ratio | 19.8834% | 2,006 |
| Memoranda: | ||
| Average total assets | $149,246,000 | 3,837 |
| Average earning assets | $136,811,000 | 3,821 |
| Average equity | $15,005,250 | 3,923 |
| Average total loans | $60,996,000 | 4,867 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 5,609 |
| Cost of funding earning assets | 0.9036% | 4,634 |
| Net interest margin | 3.5203% | 5,070 |
| Noninterest income to average assets | 0.3877% | 4,775 |
| Noninterest expense to average assets | 2.7204% | 4,738 |
| Loan and lease loss provision to assets | 0.2026% | 3,898 |
| Net operating income to assets | 0.5849% | 4,130 |
| Return on assets (ROA) | 0.5781% | 4,292 |
| Pretax return on assets | 0.6929% | 4,410 |
| Return on Equity (ROE) | 5.9340% | 4,006 |
| Retained earnings to average equity (ytd only) | 2.4679% | 4,715 |
| Net charge-offs to loans | 0.0590% | 5,059 |
| Credit loss provision to net charge-offs | 833.3333% | 395 |
| Earnings coverage of net charge-offs (x) | 37.1667% | 785 |
| Efficiency ratio | 73.4253% | 3,478 |
| Assets per employee ($millions) | 4.0482% | 3,660 |
| Cash dividends to net income (ytd only)* | 58.4112% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3787% | 1,627 |
| Loan loss allowance to noncurrent loans | 360.3053% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 5,883 |
| Noncurrent loans to loans | 0.6602% | 5,593 |
| Net loans and leases to total assets | 38.7972% | 6,814 |
| Net loans and leases to deposits | 43.5841% | 6,935 |
| Net loans and leases to core deposits | 46.4554% | 6,912 |
| Total domestic deposits to total assets | 89.0169% | 1,521 |
| Equity capital to assets | 10.4584% | 3,560 |
| Core capital (leverage) ratio | 9.5761% | 3,852 |
| Tier 1 risk-based capital ratio | 18.8514% | 1,891 |
| Total risk-based capital ratio | 20.1090% | 1,856 |
| Memoranda: | ||
| Average total assets | $148,064,000 | 3,884 |
| Average earning assets | $136,123,330 | 3,857 |
| Average equity | $14,425,330 | 4,032 |
| Average total loans | $60,974,670 | 4,911 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 5,382 |
| Cost of funding earning assets | 0.9311% | 4,714 |
| Net interest margin | 3.5555% | 4,786 |
| Noninterest income to average assets | 0.2446% | 5,946 |
| Noninterest expense to average assets | 2.7825% | 4,518 |
| Loan and lease loss provision to assets | 0.2038% | 3,599 |
| Net operating income to assets | 0.3068% | 5,377 |
| Return on assets (ROA) | 0.3016% | 5,458 |
| Pretax return on assets | 0.5081% | 5,001 |
| Return on Equity (ROE) | 3.2161% | 5,274 |
| Retained earnings to average equity (ytd only) | -4.0274% | 6,414 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7347% | 2,881 |
| Assets per employee ($millions) | 3.8075% | 4,282 |
| Cash dividends to net income (ytd only)* | 225.2252% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2742% | 1,806 |
| Loan loss allowance to noncurrent loans | 243.5484% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 5,807 |
| Noncurrent loans to loans | 0.9338% | 5,169 |
| Net loans and leases to total assets | 39.3268% | 6,829 |
| Net loans and leases to deposits | 43.5312% | 6,964 |
| Net loans and leases to core deposits | 47.1012% | 6,918 |
| Total domestic deposits to total assets | 90.3417% | 937 |
| Equity capital to assets | 9.3849% | 4,599 |
| Core capital (leverage) ratio | 9.6027% | 3,657 |
| Tier 1 risk-based capital ratio | 18.0549% | 2,095 |
| Total risk-based capital ratio | 19.3107% | 2,063 |
| Memoranda: | ||
| Average total assets | $147,204,000 | 3,928 |
| Average earning assets | $134,888,500 | 3,914 |
| Average equity | $13,805,500 | 4,150 |
| Average total loans | $61,698,000 | 4,918 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 5,158 |
| Cost of funding earning assets | 1.2208% | 4,417 |
| Net interest margin | 3.6484% | 4,582 |
| Noninterest income to average assets | 0.4854% | 4,280 |
| Noninterest expense to average assets | 2.8350% | 4,456 |
| Loan and lease loss provision to assets | 0.3346% | 4,143 |
| Net operating income to assets | 0.4848% | 4,170 |
| Return on assets (ROA) | 0.8891% | 2,567 |
| Pretax return on assets | 1.1723% | 2,325 |
| Return on Equity (ROE) | 9.3128% | 2,172 |
| Retained earnings to average equity (ytd only) | 8.3904% | 872 |
| Net charge-offs to loans | 0.5615% | 3,371 |
| Credit loss provision to net charge-offs | 137.2832% | 2,778 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,108 |
| Efficiency ratio | 72.7626% | 3,644 |
| Assets per employee ($millions) | 3.7414% | 4,382 |
| Cash dividends to net income (ytd only)* | 9.9049% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 2,261 |
| Loan loss allowance to noncurrent loans | 272.0339% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 5,746 |
| Noncurrent loans to loans | 0.7417% | 5,562 |
| Net loans and leases to total assets | 42.7341% | 6,809 |
| Net loans and leases to deposits | 48.0448% | 6,951 |
| Net loans and leases to core deposits | 52.4688% | 6,881 |
| Total domestic deposits to total assets | 88.9462% | 1,690 |
| Equity capital to assets | 9.3720% | 4,584 |
| Core capital (leverage) ratio | 9.5654% | 3,614 |
| Tier 1 risk-based capital ratio | 17.3011% | 2,230 |
| Total risk-based capital ratio | 18.5547% | 2,197 |
| Memoranda: | ||
| Average total assets | $141,941,000 | 4,022 |
| Average earning assets | $129,343,000 | 4,031 |
| Average equity | $13,551,200 | 4,247 |
| Average total loans | $61,626,000 | 5,003 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 5,057 |
| Cost of funding earning assets | 1.2539% | 4,546 |
| Net interest margin | 3.6910% | 4,454 |
| Noninterest income to average assets | 0.5004% | 4,183 |
| Noninterest expense to average assets | 2.8104% | 4,443 |
| Loan and lease loss provision to assets | 0.3784% | 3,620 |
| Net operating income to assets | 0.5347% | 4,165 |
| Return on assets (ROA) | 0.5468% | 4,273 |
| Pretax return on assets | 0.6877% | 4,272 |
| Return on Equity (ROE) | 5.7000% | 3,958 |
| Retained earnings to average equity (ytd only) | 4.4672% | 3,366 |
| Net charge-offs to loans | 0.7460% | 2,560 |
| Credit loss provision to net charge-offs | 116.9591% | 3,553 |
| Earnings coverage of net charge-offs (x) | 3.2485% | 3,520 |
| Efficiency ratio | 71.1416% | 3,859 |
| Assets per employee ($millions) | 3.7543% | 4,384 |
| Cash dividends to net income (ytd only)* | 21.6259% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 2,195 |
| Loan loss allowance to noncurrent loans | 286.7612% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5793% | 5,990 |
| Noncurrent loans to loans | 0.7002% | 5,808 |
| Net loans and leases to total assets | 39.4175% | 7,111 |
| Net loans and leases to deposits | 44.0868% | 7,236 |
| Net loans and leases to core deposits | 48.0810% | 7,200 |
| Total domestic deposits to total assets | 89.4088% | 1,169 |
| Equity capital to assets | 9.6829% | 4,567 |
| Core capital (leverage) ratio | 8.5484% | 5,422 |
| Tier 1 risk-based capital ratio | 16.0338% | 2,745 |
| Total risk-based capital ratio | 17.2874% | 2,696 |
| Memoranda: | ||
| Average total assets | $140,947,750 | 4,094 |
| Average earning assets | $128,345,250 | 4,101 |
| Average equity | $13,520,250 | 4,323 |
| Average total loans | $61,122,750 | 5,096 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0484% | 4,711 |
| Cost of funding earning assets | 1.2872% | 4,613 |
| Net interest margin | 3.7613% | 4,085 |
| Noninterest income to average assets | 0.5411% | 3,781 |
| Noninterest expense to average assets | 2.8708% | 4,183 |
| Loan and lease loss provision to assets | 0.2321% | 4,594 |
| Net operating income to assets | 0.7064% | 3,375 |
| Return on assets (ROA) | 0.7064% | 3,528 |
| Pretax return on assets | 0.8675% | 3,634 |
| Return on Equity (ROE) | 7.3900% | 3,152 |
| Retained earnings to average equity (ytd only) | 5.4932% | 2,617 |
| Net charge-offs to loans | 0.9811% | 1,885 |
| Credit loss provision to net charge-offs | 53.1561% | 5,354 |
| Earnings coverage of net charge-offs (x) | 2.5183% | 3,741 |
| Efficiency ratio | 70.6613% | 4,046 |
| Assets per employee ($millions) | 3.5115% | 4,901 |
| Cash dividends to net income (ytd only)* | 25.6674% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 3,253 |
| Loan loss allowance to noncurrent loans | 232.5688% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 5,917 |
| Noncurrent loans to loans | 0.7093% | 5,831 |
| Net loans and leases to total assets | 43.0436% | 6,983 |
| Net loans and leases to deposits | 48.0382% | 7,158 |
| Net loans and leases to core deposits | 51.3989% | 7,160 |
| Total domestic deposits to total assets | 89.6027% | 1,125 |
| Equity capital to assets | 9.7786% | 4,298 |
| Core capital (leverage) ratio | 8.8913% | 4,759 |
| Tier 1 risk-based capital ratio | 16.1289% | 2,614 |
| Total risk-based capital ratio | 17.3805% | 2,577 |
| Memoranda: | ||
| Average total assets | $137,873,000 | 4,176 |
| Average earning assets | $125,702,670 | 4,190 |
| Average equity | $13,180,000 | 4,401 |
| Average total loans | $61,361,330 | 5,116 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1296% | 4,397 |
| Cost of funding earning assets | 1.3187% | 4,701 |
| Net interest margin | 3.8109% | 3,751 |
| Noninterest income to average assets | 0.5652% | 3,521 |
| Noninterest expense to average assets | 2.8555% | 4,248 |
| Loan and lease loss provision to assets | 0.2489% | 4,058 |
| Net operating income to assets | 0.7322% | 3,293 |
| Return on assets (ROA) | 0.7322% | 3,402 |
| Pretax return on assets | 0.9225% | 3,376 |
| Return on Equity (ROE) | 7.7504% | 2,999 |
| Retained earnings to average equity (ytd only) | 7.7504% | 1,812 |
| Net charge-offs to loans | -0.3784% | 7,776 |
| Credit loss provision to net charge-offs | -146.5517% | 6,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3091% | 4,442 |
| Assets per employee ($millions) | 3.4359% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1229% | 1,907 |
| Loan loss allowance to noncurrent loans | 191.1635% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 5,511 |
| Noncurrent loans to loans | 1.1105% | 5,136 |
| Net loans and leases to total assets | 43.5446% | 7,030 |
| Net loans and leases to deposits | 48.3788% | 7,217 |
| Net loans and leases to core deposits | 50.8882% | 7,249 |
| Total domestic deposits to total assets | 90.0077% | 982 |
| Equity capital to assets | 9.5841% | 4,398 |
| Core capital (leverage) ratio | 9.0478% | 4,478 |
| Tier 1 risk-based capital ratio | 15.7579% | 2,749 |
| Total risk-based capital ratio | 17.0137% | 2,692 |
| Memoranda: | ||
| Average total assets | $136,579,500 | 4,259 |
| Average earning assets | $124,064,500 | 4,285 |
| Average equity | $12,902,500 | 4,500 |
| Average total loans | $61,305,500 | 5,198 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2995% | 5,174 |
| Cost of funding earning assets | 1.5659% | 5,198 |
| Net interest margin | 3.7336% | 3,983 |
| Noninterest income to average assets | 0.4829% | 4,545 |
| Noninterest expense to average assets | 2.9479% | 4,350 |
| Loan and lease loss provision to assets | 1.0217% | 2,233 |
| Net operating income to assets | 0.0991% | 5,216 |
| Return on assets (ROA) | 0.0991% | 5,260 |
| Pretax return on assets | -0.0636% | 5,546 |
| Return on Equity (ROE) | 1.0910% | 5,206 |
| Retained earnings to average equity (ytd only) | 0.0500% | 4,879 |
| Net charge-offs to loans | 2.0464% | 1,195 |
| Credit loss provision to net charge-offs | 109.4003% | 5,040 |
| Earnings coverage of net charge-offs (x) | 1.0259% | 5,087 |
| Efficiency ratio | 73.7454% | 3,950 |
| Assets per employee ($millions) | 3.3931% | 5,277 |
| Cash dividends to net income (ytd only)* | 95.4198% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8791% | 2,317 |
| Loan loss allowance to noncurrent loans | 103.8669% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 1.1501% | 4,791 |
| Noncurrent loans to loans | 1.8091% | 3,917 |
| Net loans and leases to total assets | 44.4376% | 7,086 |
| Net loans and leases to deposits | 49.7263% | 7,275 |
| Net loans and leases to core deposits | 60.7213% | 7,238 |
| Total domestic deposits to total assets | 89.3644% | 1,287 |
| Equity capital to assets | 9.3079% | 4,690 |
| Core capital (leverage) ratio | 8.7926% | 4,779 |
| Tier 1 risk-based capital ratio | 15.3158% | 2,792 |
| Total risk-based capital ratio | 16.5683% | 2,749 |
| Memoranda: | ||
| Average total assets | $132,126,600 | 4,297 |
| Average earning assets | $121,142,400 | 4,288 |
| Average equity | $12,007,600 | 4,749 |
| Average total loans | $60,299,800 | 5,240 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2941% | 5,452 |
| Cost of funding earning assets | 1.6119% | 5,350 |
| Net interest margin | 3.6822% | 4,151 |
| Noninterest income to average assets | 0.5070% | 4,428 |
| Noninterest expense to average assets | 2.9150% | 4,385 |
| Loan and lease loss provision to assets | 0.8484% | 2,258 |
| Net operating income to assets | -0.0020% | 5,711 |
| Return on assets (ROA) | -0.0020% | 5,772 |
| Pretax return on assets | 0.1300% | 5,459 |
| Return on Equity (ROE) | -0.0225% | 5,776 |
| Retained earnings to average equity (ytd only) | -1.4288% | 5,592 |
| Net charge-offs to loans | 0.6754% | 2,666 |
| Credit loss provision to net charge-offs | 274.6711% | 1,547 |
| Earnings coverage of net charge-offs (x) | 3.1678% | 3,656 |
| Efficiency ratio | 73.1211% | 4,034 |
| Assets per employee ($millions) | 3.3814% | 5,202 |
| Cash dividends to net income (ytd only)* | -6,241.9476% | 8,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6081% | 959 |
| Loan loss allowance to noncurrent loans | 63.9772% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.8144% | 3,631 |
| Noncurrent loans to loans | 4.0767% | 1,798 |
| Net loans and leases to total assets | 43.3451% | 7,290 |
| Net loans and leases to deposits | 47.8791% | 7,498 |
| Net loans and leases to core deposits | 57.3685% | 7,492 |
| Total domestic deposits to total assets | 90.5304% | 577 |
| Equity capital to assets | 8.9772% | 5,517 |
| Core capital (leverage) ratio | 8.1461% | 6,110 |
| Tier 1 risk-based capital ratio | 14.6719% | 3,189 |
| Total risk-based capital ratio | 15.9273% | 3,135 |
| Memoranda: | ||
| Average total assets | $131,227,500 | 4,351 |
| Average earning assets | $120,685,750 | 4,329 |
| Average equity | $11,851,250 | 4,835 |
| Average total loans | $60,008,000 | 5,287 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 5,615 |
| Cost of funding earning assets | 1.6767% | 5,382 |
| Net interest margin | 3.6326% | 4,235 |
| Noninterest income to average assets | 0.5297% | 4,189 |
| Noninterest expense to average assets | 2.9657% | 4,227 |
| Loan and lease loss provision to assets | 0.4696% | 3,174 |
| Net operating income to assets | 0.2094% | 5,232 |
| Return on assets (ROA) | 0.2094% | 5,308 |
| Pretax return on assets | 0.4404% | 4,826 |
| Return on Equity (ROE) | 2.3140% | 5,175 |
| Retained earnings to average equity (ytd only) | 0.1872% | 5,136 |
| Net charge-offs to loans | 0.1735% | 4,498 |
| Credit loss provision to net charge-offs | 586.5385% | 797 |
| Earnings coverage of net charge-offs (x) | 11.3654% | 1,908 |
| Efficiency ratio | 74.7318% | 3,920 |
| Assets per employee ($millions) | 2.9029% | 6,388 |
| Cash dividends to net income (ytd only)* | 91.9118% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1913% | 1,263 |
| Loan loss allowance to noncurrent loans | 43.1963% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 2.3417% | 2,774 |
| Noncurrent loans to loans | 5.0729% | 1,200 |
| Net loans and leases to total assets | 45.1491% | 7,253 |
| Net loans and leases to deposits | 49.8255% | 7,491 |
| Net loans and leases to core deposits | 59.1073% | 7,482 |
| Total domestic deposits to total assets | 90.6144% | 589 |
| Equity capital to assets | 8.9980% | 5,322 |
| Core capital (leverage) ratio | 8.3474% | 5,719 |
| Tier 1 risk-based capital ratio | 15.2166% | 2,929 |
| Total risk-based capital ratio | 16.4736% | 2,857 |
| Memoranda: | ||
| Average total assets | $129,885,330 | 4,393 |
| Average earning assets | $119,637,670 | 4,383 |
| Average equity | $11,754,330 | 4,879 |
| Average total loans | $59,945,330 | 5,339 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3954% | 5,450 |
| Cost of funding earning assets | 1.7117% | 5,549 |
| Net interest margin | 3.6837% | 3,971 |
| Noninterest income to average assets | 0.6078% | 3,493 |
| Noninterest expense to average assets | 2.8466% | 4,353 |
| Loan and lease loss provision to assets | 0.0916% | 5,784 |
| Net operating income to assets | 0.7972% | 3,146 |
| Return on assets (ROA) | 0.7972% | 3,304 |
| Pretax return on assets | 1.0415% | 3,195 |
| Return on Equity (ROE) | 8.7842% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.7842% | 1,543 |
| Net charge-offs to loans | -0.0066% | 7,215 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8388% | 4,616 |
| Assets per employee ($millions) | 3.0131% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 1,828 |
| Loan loss allowance to noncurrent loans | 104.7992% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.8266% | 5,112 |
| Noncurrent loans to loans | 1.7270% | 3,672 |
| Net loans and leases to total assets | 44.8049% | 7,281 |
| Net loans and leases to deposits | 49.5921% | 7,515 |
| Net loans and leases to core deposits | 58.9446% | 7,497 |
| Total domestic deposits to total assets | 90.3469% | 656 |
| Equity capital to assets | 9.2333% | 5,036 |
| Core capital (leverage) ratio | 8.8161% | 4,955 |
| Tier 1 risk-based capital ratio | 15.5108% | 2,850 |
| Total risk-based capital ratio | 16.7642% | 2,783 |
| Memoranda: | ||
| Average total assets | $130,964,000 | 4,391 |
| Average earning assets | $119,880,000 | 4,388 |
| Average equity | $11,885,000 | 4,869 |
| Average total loans | $60,438,000 | 5,346 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1023% | 5,036 |
| Cost of funding earning assets | 2.2931% | 5,185 |
| Net interest margin | 3.8092% | 3,983 |
| Noninterest income to average assets | 0.5411% | 4,309 |
| Noninterest expense to average assets | 2.9165% | 4,391 |
| Loan and lease loss provision to assets | 0.4549% | 3,013 |
| Net operating income to assets | 0.4799% | 4,831 |
| Return on assets (ROA) | 0.4799% | 4,647 |
| Pretax return on assets | 0.6393% | 4,576 |
| Return on Equity (ROE) | 5.2497% | 4,263 |
| Retained earnings to average equity (ytd only) | 4.3689% | 2,401 |
| Net charge-offs to loans | 0.2906% | 3,462 |
| Credit loss provision to net charge-offs | 328.4884% | 1,378 |
| Earnings coverage of net charge-offs (x) | 7.9012% | 2,999 |
| Efficiency ratio | 70.9295% | 4,151 |
| Assets per employee ($millions) | 3.3939% | 4,961 |
| Cash dividends to net income (ytd only)* | 16.7785% | 4,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6825% | 1,957 |
| Loan loss allowance to noncurrent loans | 99.5211% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 4,781 |
| Noncurrent loans to loans | 1.6906% | 3,235 |
| Net loans and leases to total assets | 45.8705% | 7,343 |
| Net loans and leases to deposits | 52.7782% | 7,501 |
| Net loans and leases to core deposits | 64.9925% | 7,399 |
| Total domestic deposits to total assets | 86.9118% | 1,979 |
| Equity capital to assets | 8.9201% | 5,470 |
| Core capital (leverage) ratio | 8.4350% | 5,688 |
| Tier 1 risk-based capital ratio | 14.5148% | 3,286 |
| Total risk-based capital ratio | 15.7661% | 3,207 |
| Memoranda: | ||
| Average total assets | $124,189,800 | 4,414 |
| Average earning assets | $113,122,200 | 4,441 |
| Average equity | $11,353,000 | 5,022 |
| Average total loans | $59,182,000 | 5,306 |