Home > Tompkins State Bank > Performance and Condition Ratios
Tompkins State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 3,265 |
| Cost of funding earning assets | 1.1363% | 2,968 |
| Net interest margin | 3.2710% | 2,703 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.3738% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9959% | 2,231 |
| Return on assets (ROA) | 1.0085% | 2,176 |
| Pretax return on assets | 1.0532% | 2,524 |
| Return on Equity (ROE) | 14.0900% | 1,465 |
| Retained earnings to average equity (ytd only) | 10.2795% | 945 |
| Net charge-offs to loans | 0.0977% | 925 |
| Credit loss provision to net charge-offs | -136.9863% | 4,490 |
| Earnings coverage of net charge-offs (x) | 20.5479% | 1,855 |
| Efficiency ratio | 69.4729% | 1,962 |
| Assets per employee ($millions) | 5.4296% | 3,307 |
| Cash dividends to net income (ytd only)* | 27.0196% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8636% | 3,818 |
| Loan loss allowance to noncurrent loans | 758.5635% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,169 |
| Noncurrent loans to loans | 0.1139% | 2,959 |
| Net loans and leases to total assets | 52.7800% | 3,429 |
| Net loans and leases to deposits | 60.1785% | 3,512 |
| Net loans and leases to core deposits | 62.0429% | 3,680 |
| Total domestic deposits to total assets | 87.7000% | 1,450 |
| Equity capital to assets | 7.8435% | 3,517 |
| Core capital (leverage) ratio | 8.9744% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7096% | 1,626 |
| Memoranda: | ||
| Average total assets | $288,443,600 | 2,482 |
| Average earning assets | $266,401,600 | 2,481 |
| Average equity | $20,652,800 | 2,803 |
| Average total loans | $149,486,400 | 2,684 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 3,265 |
| Cost of funding earning assets | 1.0336% | 2,945 |
| Net interest margin | 3.2816% | 2,729 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.2446% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1794% | 1,847 |
| Return on assets (ROA) | 1.1911% | 1,807 |
| Pretax return on assets | 1.1911% | 2,318 |
| Return on Equity (ROE) | 17.0600% | 1,067 |
| Retained earnings to average equity (ytd only) | 11.8098% | 1,009 |
| Net charge-offs to loans | 0.0236% | 1,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 97.2692% | 928 |
| Efficiency ratio | 65.4999% | 2,332 |
| Assets per employee ($millions) | 5.3724% | 3,286 |
| Cash dividends to net income (ytd only)* | 30.7753% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 2,874 |
| Loan loss allowance to noncurrent loans | 436.3402% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 2,695 |
| Noncurrent loans to loans | 0.2517% | 2,335 |
| Net loans and leases to total assets | 50.6600% | 3,575 |
| Net loans and leases to deposits | 56.1053% | 3,705 |
| Net loans and leases to core deposits | 58.6773% | 3,759 |
| Total domestic deposits to total assets | 90.3000% | 860 |
| Equity capital to assets | 6.3399% | 3,880 |
| Core capital (leverage) ratio | 9.1302% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5231% | 1,709 |
| Memoranda: | ||
| Average total assets | $285,897,000 | 2,496 |
| Average earning assets | $263,807,000 | 2,500 |
| Average equity | $19,960,250 | 2,850 |
| Average total loans | $147,113,000 | 2,705 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 3,169 |
| Cost of funding earning assets | 0.9468% | 2,788 |
| Net interest margin | 3.3139% | 2,716 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.3039% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1712% | 1,904 |
| Return on assets (ROA) | 1.1854% | 1,863 |
| Pretax return on assets | 1.1854% | 2,397 |
| Return on Equity (ROE) | 16.4400% | 1,195 |
| Retained earnings to average equity (ytd only) | 10.4465% | 1,295 |
| Net charge-offs to loans | 0.0041% | 2,155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 548.3333% | 267 |
| Efficiency ratio | 66.2364% | 2,203 |
| Assets per employee ($millions) | 5.3102% | 3,317 |
| Cash dividends to net income (ytd only)* | 36.4565% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 2,562 |
| Loan loss allowance to noncurrent loans | 350.2041% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 2,335 |
| Noncurrent loans to loans | 0.3358% | 1,925 |
| Net loans and leases to total assets | 51.2400% | 3,470 |
| Net loans and leases to deposits | 56.2900% | 3,627 |
| Net loans and leases to core deposits | 57.7803% | 3,729 |
| Total domestic deposits to total assets | 91.0300% | 640 |
| Equity capital to assets | 7.1934% | 3,693 |
| Core capital (leverage) ratio | 9.0099% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9487% | 1,587 |
| Memoranda: | ||
| Average total assets | $280,910,333 | 2,525 |
| Average earning assets | $259,813,667 | 2,531 |
| Average equity | $20,255,667 | 2,841 |
| Average total loans | $144,776,667 | 2,715 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 2,915 |
| Cost of funding earning assets | 0.8474% | 2,548 |
| Net interest margin | 3.4066% | 2,613 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.2234% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3512% | 1,545 |
| Return on assets (ROA) | 1.3611% | 1,477 |
| Pretax return on assets | 1.3611% | 1,983 |
| Return on Equity (ROE) | 18.8500% | 905 |
| Retained earnings to average equity (ytd only) | 10.4240% | 1,596 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1611% | 2,671 |
| Assets per employee ($millions) | 5.5455% | 3,175 |
| Cash dividends to net income (ytd only)* | 44.7120% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,390 |
| Loan loss allowance to noncurrent loans | 227.3810% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 1,807 |
| Noncurrent loans to loans | 0.5410% | 1,367 |
| Net loans and leases to total assets | 48.8000% | 3,581 |
| Net loans and leases to deposits | 53.6310% | 3,706 |
| Net loans and leases to core deposits | 55.0912% | 3,788 |
| Total domestic deposits to total assets | 90.9900% | 804 |
| Equity capital to assets | 7.2473% | 3,705 |
| Core capital (leverage) ratio | 8.6142% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8549% | 2,028 |
| Memoranda: | ||
| Average total assets | $280,646,000 | 2,557 |
| Average earning assets | $259,142,000 | 2,565 |
| Average equity | $20,261,000 | 2,867 |
| Average total loans | $144,203,500 | 2,759 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 3,203 |
| Cost of funding earning assets | 0.4192% | 1,948 |
| Net interest margin | 3.0325% | 3,350 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.2642% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0193% | 2,501 |
| Return on assets (ROA) | 1.0172% | 2,447 |
| Pretax return on assets | 1.0543% | 2,903 |
| Return on Equity (ROE) | 13.0600% | 1,792 |
| Retained earnings to average equity (ytd only) | 9.1824% | 1,427 |
| Net charge-offs to loans | 0.0055% | 2,226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 367.2500% | 420 |
| Efficiency ratio | 68.1213% | 1,947 |
| Assets per employee ($millions) | 5.4602% | 3,260 |
| Cash dividends to net income (ytd only)* | 29.6925% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 3,756 |
| Loan loss allowance to noncurrent loans | 946.4789% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 3,283 |
| Noncurrent loans to loans | 0.0955% | 3,080 |
| Net loans and leases to total assets | 52.9000% | 3,291 |
| Net loans and leases to deposits | 60.4633% | 3,305 |
| Net loans and leases to core deposits | 61.7215% | 3,409 |
| Total domestic deposits to total assets | 87.5000% | 2,236 |
| Equity capital to assets | 7.1911% | 3,558 |
| Core capital (leverage) ratio | 8.8373% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1799% | 1,908 |
| Memoranda: | ||
| Average total assets | $278,110,800 | 2,560 |
| Average earning assets | $256,225,600 | 2,569 |
| Average equity | $21,661,000 | 2,796 |
| Average total loans | $145,318,400 | 2,679 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2736% | 3,252 |
| Cost of funding earning assets | 0.3478% | 1,726 |
| Net interest margin | 2.9259% | 3,419 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.1370% | 3,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0274% | 2,378 |
| Return on assets (ROA) | 1.0229% | 2,370 |
| Pretax return on assets | 1.0949% | 2,740 |
| Return on Equity (ROE) | 12.8900% | 1,736 |
| Retained earnings to average equity (ytd only) | 8.9410% | 1,668 |
| Net charge-offs to loans | 0.0046% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 458.6000% | 342 |
| Efficiency ratio | 65.9653% | 2,286 |
| Assets per employee ($millions) | 5.6379% | 3,088 |
| Cash dividends to net income (ytd only)* | 30.6142% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 3,851 |
| Loan loss allowance to noncurrent loans | 739.5604% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 3,224 |
| Noncurrent loans to loans | 0.1219% | 3,034 |
| Net loans and leases to total assets | 53.5800% | 3,136 |
| Net loans and leases to deposits | 59.8263% | 3,211 |
| Net loans and leases to core deposits | 60.7871% | 3,326 |
| Total domestic deposits to total assets | 89.5500% | 1,851 |
| Equity capital to assets | 6.6268% | 3,689 |
| Core capital (leverage) ratio | 8.5887% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0784% | 2,439 |
| Memoranda: | ||
| Average total assets | $278,021,250 | 2,578 |
| Average earning assets | $256,100,250 | 2,595 |
| Average equity | $22,070,000 | 2,819 |
| Average total loans | $144,481,250 | 2,695 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1091% | 3,281 |
| Cost of funding earning assets | 0.2946% | 1,769 |
| Net interest margin | 2.8146% | 3,408 |
| Noninterest income to average assets | 0.6166% | 1,671 |
| Noninterest expense to average assets | 2.0688% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0576% | 1,944 |
| Return on assets (ROA) | 1.0502% | 1,948 |
| Pretax return on assets | 1.1256% | 2,320 |
| Return on Equity (ROE) | 12.5448% | 1,512 |
| Retained earnings to average equity (ytd only) | 7.8973% | 1,657 |
| Net charge-offs to loans | 0.0070% | 1,744 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 315.8000% | 387 |
| Efficiency ratio | 64.5371% | 2,703 |
| Assets per employee ($millions) | 5.5049% | 3,220 |
| Cash dividends to net income (ytd only)* | 37.0472% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 3,843 |
| Loan loss allowance to noncurrent loans | 687.2449% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,252 |
| Noncurrent loans to loans | 0.1363% | 3,024 |
| Net loans and leases to total assets | 51.7388% | 3,187 |
| Net loans and leases to deposits | 56.7476% | 3,321 |
| Net loans and leases to core deposits | 57.5895% | 3,457 |
| Total domestic deposits to total assets | 91.1736% | 1,157 |
| Equity capital to assets | 7.0327% | 3,749 |
| Core capital (leverage) ratio | 8.3288% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0659% | 2,032 |
| Memoranda: | ||
| Average total assets | $278,609,667 | 2,594 |
| Average earning assets | $255,954,333 | 2,623 |
| Average equity | $23,324,333 | 2,791 |
| Average total loans | $142,858,000 | 2,725 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9759% | 3,322 |
| Cost of funding earning assets | 0.2523% | 2,130 |
| Net interest margin | 2.7236% | 3,358 |
| Noninterest income to average assets | 0.7549% | 1,161 |
| Noninterest expense to average assets | 2.0393% | 3,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1470% | 1,385 |
| Return on assets (ROA) | 1.1402% | 1,404 |
| Pretax return on assets | 1.2045% | 1,794 |
| Return on Equity (ROE) | 12.6284% | 1,123 |
| Retained earnings to average equity (ytd only) | 5.8321% | 2,301 |
| Net charge-offs to loans | 0.0056% | 1,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 424.5000% | 242 |
| Efficiency ratio | 62.6866% | 3,180 |
| Assets per employee ($millions) | 5.5857% | 3,242 |
| Cash dividends to net income (ytd only)* | 53.8173% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 3,796 |
| Loan loss allowance to noncurrent loans | 350.6494% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 2,846 |
| Noncurrent loans to loans | 0.2802% | 2,467 |
| Net loans and leases to total assets | 47.7660% | 3,409 |
| Net loans and leases to deposits | 53.0661% | 3,490 |
| Net loans and leases to core deposits | 53.9971% | 3,590 |
| Total domestic deposits to total assets | 90.0123% | 1,557 |
| Equity capital to assets | 8.2529% | 3,364 |
| Core capital (leverage) ratio | 8.1616% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8744% | 2,268 |
| Memoranda: | ||
| Average total assets | $280,292,500 | 2,599 |
| Average earning assets | $256,866,500 | 2,633 |
| Average equity | $25,308,000 | 2,752 |
| Average total loans | $142,409,500 | 2,724 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5919% | 2,413 |
| Cost of funding earning assets | 0.3094% | 2,303 |
| Net interest margin | 3.2825% | 2,356 |
| Noninterest income to average assets | 0.4542% | 2,796 |
| Noninterest expense to average assets | 2.3618% | 2,618 |
| Loan and lease loss provision to assets | 0.0997% | 1,255 |
| Net operating income to assets | 0.9488% | 2,872 |
| Return on assets (ROA) | 0.9576% | 2,910 |
| Pretax return on assets | 1.0262% | 3,186 |
| Return on Equity (ROE) | 9.2941% | 2,787 |
| Retained earnings to average equity (ytd only) | 2.9288% | 3,658 |
| Net charge-offs to loans | 0.0912% | 910 |
| Credit loss provision to net charge-offs | 193.3824% | 1,326 |
| Earnings coverage of net charge-offs (x) | 21.6544% | 1,817 |
| Efficiency ratio | 67.8365% | 2,006 |
| Assets per employee ($millions) | 5.3022% | 3,475 |
| Cash dividends to net income (ytd only)* | 68.4877% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 4,018 |
| Loan loss allowance to noncurrent loans | 22,533.3333% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,178 |
| Noncurrent loans to loans | 0.0041% | 4,092 |
| Net loans and leases to total assets | 52.9699% | 2,966 |
| Net loans and leases to deposits | 60.0017% | 3,072 |
| Net loans and leases to core deposits | 61.1107% | 3,238 |
| Total domestic deposits to total assets | 88.2807% | 1,886 |
| Equity capital to assets | 9.8312% | 2,821 |
| Core capital (leverage) ratio | 8.2080% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4590% | 2,470 |
| Memoranda: | ||
| Average total assets | $263,782,000 | 2,643 |
| Average earning assets | $243,018,800 | 2,663 |
| Average equity | $27,178,400 | 2,711 |
| Average total loans | $149,077,400 | 2,640 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 2,203 |
| Cost of funding earning assets | 0.3111% | 2,485 |
| Net interest margin | 3.4156% | 2,110 |
| Noninterest income to average assets | 0.4627% | 2,782 |
| Noninterest expense to average assets | 2.2305% | 2,973 |
| Loan and lease loss provision to assets | 0.0460% | 2,080 |
| Net operating income to assets | 1.3202% | 1,758 |
| Return on assets (ROA) | 1.3272% | 1,800 |
| Pretax return on assets | 1.3476% | 2,493 |
| Return on Equity (ROE) | 12.7268% | 1,790 |
| Retained earnings to average equity (ytd only) | 4.2455% | 3,494 |
| Net charge-offs to loans | -0.0054% | 3,453 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6113% | 2,755 |
| Assets per employee ($millions) | 5.1693% | 3,535 |
| Cash dividends to net income (ytd only)* | 66.6410% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 4,222 |
| Loan loss allowance to noncurrent loans | 548.1328% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 3,488 |
| Noncurrent loans to loans | 0.1593% | 3,325 |
| Net loans and leases to total assets | 56.8762% | 2,627 |
| Net loans and leases to deposits | 66.5567% | 2,580 |
| Net loans and leases to core deposits | 67.7993% | 2,797 |
| Total domestic deposits to total assets | 85.4552% | 2,964 |
| Equity capital to assets | 10.5863% | 2,383 |
| Core capital (leverage) ratio | 8.5696% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4895% | 2,551 |
| Memoranda: | ||
| Average total assets | $260,798,750 | 2,689 |
| Average earning assets | $240,853,000 | 2,697 |
| Average equity | $27,196,500 | 2,735 |
| Average total loans | $149,497,250 | 2,676 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 2,686 |
| Cost of funding earning assets | 0.3203% | 2,583 |
| Net interest margin | 3.2598% | 2,585 |
| Noninterest income to average assets | 0.4687% | 2,762 |
| Noninterest expense to average assets | 2.2474% | 2,930 |
| Loan and lease loss provision to assets | 0.0462% | 2,094 |
| Net operating income to assets | 1.1807% | 2,260 |
| Return on assets (ROA) | 1.1884% | 2,297 |
| Pretax return on assets | 1.2061% | 2,888 |
| Return on Equity (ROE) | 11.4544% | 2,251 |
| Retained earnings to average equity (ytd only) | 2.4853% | 4,001 |
| Net charge-offs to loans | -0.0081% | 3,598 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2936% | 2,388 |
| Assets per employee ($millions) | 5.0811% | 3,585 |
| Cash dividends to net income (ytd only)* | 78.3031% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 4,256 |
| Loan loss allowance to noncurrent loans | 1,206.5421% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 3,977 |
| Noncurrent loans to loans | 0.0716% | 3,830 |
| Net loans and leases to total assets | 57.1946% | 2,765 |
| Net loans and leases to deposits | 67.0150% | 2,717 |
| Net loans and leases to core deposits | 67.8150% | 2,975 |
| Total domestic deposits to total assets | 85.3460% | 2,965 |
| Equity capital to assets | 10.4601% | 2,427 |
| Core capital (leverage) ratio | 8.2471% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7857% | 2,439 |
| Memoranda: | ||
| Average total assets | $259,853,667 | 2,686 |
| Average earning assets | $240,999,000 | 2,686 |
| Average equity | $26,959,000 | 2,740 |
| Average total loans | $148,907,667 | 2,697 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3879% | 3,230 |
| Cost of funding earning assets | 0.3393% | 2,629 |
| Net interest margin | 3.0486% | 3,130 |
| Noninterest income to average assets | 0.5011% | 2,609 |
| Noninterest expense to average assets | 2.2720% | 2,873 |
| Loan and lease loss provision to assets | 0.0461% | 2,157 |
| Net operating income to assets | 1.0132% | 2,773 |
| Return on assets (ROA) | 1.0284% | 2,796 |
| Pretax return on assets | 1.0438% | 3,248 |
| Return on Equity (ROE) | 9.9533% | 2,699 |
| Retained earnings to average equity (ytd only) | -2.6929% | 4,586 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8457% | 1,955 |
| Assets per employee ($millions) | 5.5231% | 3,092 |
| Cash dividends to net income (ytd only)* | 127.0553% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 4,296 |
| Loan loss allowance to noncurrent loans | 453.0686% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 3,660 |
| Noncurrent loans to loans | 0.1875% | 3,435 |
| Net loans and leases to total assets | 55.2535% | 3,122 |
| Net loans and leases to deposits | 64.3337% | 3,095 |
| Net loans and leases to core deposits | 66.4528% | 3,204 |
| Total domestic deposits to total assets | 85.8858% | 2,776 |
| Equity capital to assets | 10.0053% | 2,700 |
| Core capital (leverage) ratio | 8.2463% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4636% | 2,506 |
| Memoranda: | ||
| Average total assets | $260,211,500 | 2,670 |
| Average earning assets | $242,867,500 | 2,660 |
| Average equity | $26,885,500 | 2,739 |
| Average total loans | $148,609,500 | 2,710 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 2,815 |
| Cost of funding earning assets | 0.6418% | 2,049 |
| Net interest margin | 3.3296% | 2,985 |
| Noninterest income to average assets | 0.4762% | 2,746 |
| Noninterest expense to average assets | 2.3862% | 3,166 |
| Loan and lease loss provision to assets | 0.0704% | 3,502 |
| Net operating income to assets | 1.0743% | 2,006 |
| Return on assets (ROA) | 1.0833% | 2,112 |
| Pretax return on assets | 1.0987% | 2,697 |
| Return on Equity (ROE) | 10.2598% | 1,906 |
| Retained earnings to average equity (ytd only) | 4.7455% | 2,396 |
| Net charge-offs to loans | 0.1118% | 1,358 |
| Credit loss provision to net charge-offs | 100.5917% | 2,810 |
| Earnings coverage of net charge-offs (x) | 16.5740% | 2,123 |
| Efficiency ratio | 67.2194% | 2,336 |
| Assets per employee ($millions) | 5.5503% | 2,792 |
| Cash dividends to net income (ytd only)* | 53.7462% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 4,387 |
| Loan loss allowance to noncurrent loans | 1,029.4118% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 3,717 |
| Noncurrent loans to loans | 0.0796% | 3,972 |
| Net loans and leases to total assets | 58.0685% | 3,081 |
| Net loans and leases to deposits | 68.1494% | 3,058 |
| Net loans and leases to core deposits | 71.5288% | 3,124 |
| Total domestic deposits to total assets | 85.2076% | 2,683 |
| Equity capital to assets | 10.6716% | 2,543 |
| Core capital (leverage) ratio | 8.3634% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3696% | 2,497 |
| Memoranda: | ||
| Average total assets | $241,475,000 | 2,642 |
| Average earning assets | $222,640,200 | 2,653 |
| Average equity | $25,497,600 | 2,763 |
| Average total loans | $151,134,600 | 2,654 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 2,343 |
| Cost of funding earning assets | 0.6979% | 2,032 |
| Net interest margin | 3.5216% | 2,519 |
| Noninterest income to average assets | 0.4649% | 2,762 |
| Noninterest expense to average assets | 2.3712% | 3,214 |
| Loan and lease loss provision to assets | 0.0504% | 3,719 |
| Net operating income to assets | 1.2634% | 1,440 |
| Return on assets (ROA) | 1.2727% | 1,527 |
| Pretax return on assets | 1.2923% | 2,086 |
| Return on Equity (ROE) | 12.0878% | 1,343 |
| Retained earnings to average equity (ytd only) | 5.5544% | 2,299 |
| Net charge-offs to loans | 0.0202% | 2,451 |
| Credit loss provision to net charge-offs | 391.3043% | 1,484 |
| Earnings coverage of net charge-offs (x) | 103.4783% | 771 |
| Efficiency ratio | 63.9347% | 2,748 |
| Assets per employee ($millions) | 5.2592% | 2,935 |
| Cash dividends to net income (ytd only)* | 54.0493% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 4,417 |
| Loan loss allowance to noncurrent loans | 2,435.8491% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 2,551 |
| Noncurrent loans to loans | 0.0319% | 4,266 |
| Net loans and leases to total assets | 65.2766% | 2,610 |
| Net loans and leases to deposits | 78.0406% | 2,530 |
| Net loans and leases to core deposits | 83.2853% | 2,553 |
| Total domestic deposits to total assets | 83.6445% | 2,943 |
| Equity capital to assets | 10.6579% | 2,663 |
| Core capital (leverage) ratio | 8.5269% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1679% | 2,551 |
| Memoranda: | ||
| Average total assets | $238,015,250 | 2,647 |
| Average earning assets | $218,945,500 | 2,667 |
| Average equity | $25,060,500 | 2,785 |
| Average total loans | $151,547,750 | 2,654 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 2,017 |
| Cost of funding earning assets | 0.7507% | 2,116 |
| Net interest margin | 3.7142% | 2,114 |
| Noninterest income to average assets | 0.4588% | 2,772 |
| Noninterest expense to average assets | 2.3387% | 3,432 |
| Loan and lease loss provision to assets | 0.0515% | 3,663 |
| Net operating income to assets | 1.4578% | 1,003 |
| Return on assets (ROA) | 1.4528% | 1,099 |
| Pretax return on assets | 1.4751% | 1,514 |
| Return on Equity (ROE) | 13.8593% | 912 |
| Retained earnings to average equity (ytd only) | 6.4060% | 1,898 |
| Net charge-offs to loans | 0.0314% | 2,095 |
| Credit loss provision to net charge-offs | 260.8696% | 1,723 |
| Earnings coverage of net charge-offs (x) | 77.6522% | 827 |
| Efficiency ratio | 60.3590% | 3,368 |
| Assets per employee ($millions) | 5.0272% | 3,141 |
| Cash dividends to net income (ytd only)* | 53.7780% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7999% | 4,344 |
| Loan loss allowance to noncurrent loans | 1,059.6639% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 2,463 |
| Noncurrent loans to loans | 0.0755% | 4,155 |
| Net loans and leases to total assets | 62.2172% | 3,104 |
| Net loans and leases to deposits | 74.2534% | 3,054 |
| Net loans and leases to core deposits | 80.7276% | 2,894 |
| Total domestic deposits to total assets | 83.7905% | 2,820 |
| Equity capital to assets | 10.4743% | 2,764 |
| Core capital (leverage) ratio | 8.5227% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6140% | 2,766 |
| Memoranda: | ||
| Average total assets | $233,206,667 | 2,652 |
| Average earning assets | $214,204,333 | 2,676 |
| Average equity | $24,445,667 | 2,820 |
| Average total loans | $146,705,000 | 2,684 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 3,297 |
| Cost of funding earning assets | 0.8370% | 2,188 |
| Net interest margin | 3.3402% | 3,483 |
| Noninterest income to average assets | 0.4087% | 3,035 |
| Noninterest expense to average assets | 2.4307% | 3,473 |
| Loan and lease loss provision to assets | 0.0535% | 3,105 |
| Net operating income to assets | 0.9654% | 2,299 |
| Return on assets (ROA) | 0.9566% | 2,428 |
| Pretax return on assets | 0.9709% | 2,931 |
| Return on Equity (ROE) | 9.1217% | 2,059 |
| Retained earnings to average equity (ytd only) | -1.0041% | 4,140 |
| Net charge-offs to loans | 0.0651% | 1,368 |
| Credit loss provision to net charge-offs | 130.4348% | 1,665 |
| Earnings coverage of net charge-offs (x) | 25.1739% | 1,291 |
| Efficiency ratio | 70.1185% | 2,333 |
| Assets per employee ($millions) | 4.7179% | 2,967 |
| Cash dividends to net income (ytd only)* | 111.0075% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 4,227 |
| Loan loss allowance to noncurrent loans | 1,025.8333% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 2,428 |
| Noncurrent loans to loans | 0.0847% | 4,172 |
| Net loans and leases to total assets | 62.0547% | 3,294 |
| Net loans and leases to deposits | 72.7553% | 3,381 |
| Net loans and leases to core deposits | 77.2324% | 3,408 |
| Total domestic deposits to total assets | 85.2923% | 2,293 |
| Equity capital to assets | 10.1228% | 3,673 |
| Core capital (leverage) ratio | 8.9514% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3568% | 2,546 |
| Memoranda: | ||
| Average total assets | $224,131,000 | 2,680 |
| Average earning assets | $205,019,500 | 2,702 |
| Average equity | $23,504,500 | 2,885 |
| Average total loans | $141,233,000 | 2,716 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 3,239 |
| Cost of funding earning assets | 1.0228% | 1,625 |
| Net interest margin | 3.3803% | 3,798 |
| Noninterest income to average assets | 0.4799% | 2,854 |
| Noninterest expense to average assets | 2.5386% | 3,351 |
| Loan and lease loss provision to assets | 0.0560% | 2,908 |
| Net operating income to assets | 0.9611% | 2,978 |
| Return on assets (ROA) | 0.9445% | 3,126 |
| Pretax return on assets | 0.9575% | 3,581 |
| Return on Equity (ROE) | 8.7933% | 2,847 |
| Retained earnings to average equity (ytd only) | 2.4317% | 3,811 |
| Net charge-offs to loans | 0.0518% | 2,375 |
| Credit loss provision to net charge-offs | 166.6667% | 1,551 |
| Earnings coverage of net charge-offs (x) | 30.6806% | 1,558 |
| Efficiency ratio | 71.0533% | 2,017 |
| Assets per employee ($millions) | 4.6209% | 3,062 |
| Cash dividends to net income (ytd only)* | 72.3457% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 4,085 |
| Loan loss allowance to noncurrent loans | 438.7097% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6032% | 2,089 |
| Noncurrent loans to loans | 0.1983% | 3,748 |
| Net loans and leases to total assets | 62.8858% | 3,324 |
| Net loans and leases to deposits | 74.4527% | 3,311 |
| Net loans and leases to core deposits | 79.8550% | 3,302 |
| Total domestic deposits to total assets | 84.4641% | 2,698 |
| Equity capital to assets | 10.8588% | 3,127 |
| Core capital (leverage) ratio | 9.2428% | 4,326 |
| Tier 1 risk-based capital ratio | 12.9117% | 3,835 |
| Total risk-based capital ratio | 13.6998% | 3,975 |
| Memoranda: | ||
| Average total assets | $214,407,200 | 2,714 |
| Average earning assets | $195,930,600 | 2,742 |
| Average equity | $23,028,800 | 2,867 |
| Average total loans | $138,946,400 | 2,737 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 3,330 |
| Cost of funding earning assets | 1.0350% | 1,605 |
| Net interest margin | 3.3724% | 3,938 |
| Noninterest income to average assets | 0.4805% | 2,849 |
| Noninterest expense to average assets | 2.5047% | 3,425 |
| Loan and lease loss provision to assets | 0.0565% | 2,769 |
| Net operating income to assets | 0.9890% | 3,021 |
| Return on assets (ROA) | 0.9654% | 3,180 |
| Pretax return on assets | 0.9798% | 3,649 |
| Return on Equity (ROE) | 9.0137% | 2,887 |
| Retained earnings to average equity (ytd only) | 1.7336% | 4,356 |
| Net charge-offs to loans | 0.0087% | 3,056 |
| Credit loss provision to net charge-offs | 1,000.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 187.7733% | 461 |
| Efficiency ratio | 70.1742% | 2,090 |
| Assets per employee ($millions) | 4.8273% | 2,758 |
| Cash dividends to net income (ytd only)* | 80.7666% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,089 |
| Loan loss allowance to noncurrent loans | 199.2076% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 1,780 |
| Noncurrent loans to loans | 0.4465% | 2,969 |
| Net loans and leases to total assets | 64.4846% | 3,238 |
| Net loans and leases to deposits | 76.4712% | 3,253 |
| Net loans and leases to core deposits | 82.1752% | 3,236 |
| Total domestic deposits to total assets | 84.3254% | 2,702 |
| Equity capital to assets | 10.9193% | 3,172 |
| Core capital (leverage) ratio | 9.3685% | 4,301 |
| Tier 1 risk-based capital ratio | 12.8284% | 3,939 |
| Total risk-based capital ratio | 13.6433% | 4,083 |
| Memoranda: | ||
| Average total assets | $212,558,500 | 2,744 |
| Average earning assets | $194,398,250 | 2,776 |
| Average equity | $22,764,750 | 2,909 |
| Average total loans | $138,506,500 | 2,767 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3671% | 3,429 |
| Cost of funding earning assets | 1.0320% | 1,563 |
| Net interest margin | 3.3351% | 4,064 |
| Noninterest income to average assets | 0.4730% | 2,821 |
| Noninterest expense to average assets | 2.5317% | 3,382 |
| Loan and lease loss provision to assets | 0.0569% | 2,689 |
| Net operating income to assets | 0.9248% | 3,191 |
| Return on assets (ROA) | 0.8957% | 3,367 |
| Pretax return on assets | 0.9090% | 3,823 |
| Return on Equity (ROE) | 8.4201% | 3,107 |
| Retained earnings to average equity (ytd only) | 0.1693% | 4,647 |
| Net charge-offs to loans | 0.0116% | 2,721 |
| Credit loss provision to net charge-offs | 750.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 131.2500% | 558 |
| Efficiency ratio | 71.7012% | 1,965 |
| Assets per employee ($millions) | 4.4139% | 3,267 |
| Cash dividends to net income (ytd only)* | 97.9894% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 4,167 |
| Loan loss allowance to noncurrent loans | 446.5455% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6254% | 2,154 |
| Noncurrent loans to loans | 0.1972% | 3,847 |
| Net loans and leases to total assets | 65.2427% | 3,200 |
| Net loans and leases to deposits | 77.5402% | 3,188 |
| Net loans and leases to core deposits | 83.4135% | 3,164 |
| Total domestic deposits to total assets | 84.1404% | 2,802 |
| Equity capital to assets | 10.9829% | 3,081 |
| Core capital (leverage) ratio | 9.3644% | 4,293 |
| Tier 1 risk-based capital ratio | 12.8889% | 3,899 |
| Total risk-based capital ratio | 13.7001% | 4,039 |
| Memoranda: | ||
| Average total assets | $211,001,330 | 2,774 |
| Average earning assets | $193,216,670 | 2,797 |
| Average equity | $22,446,330 | 2,930 |
| Average total loans | $137,563,000 | 2,790 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 3,581 |
| Cost of funding earning assets | 0.9993% | 1,565 |
| Net interest margin | 3.2949% | 4,170 |
| Noninterest income to average assets | 0.4730% | 2,716 |
| Noninterest expense to average assets | 2.6804% | 2,965 |
| Loan and lease loss provision to assets | 0.0570% | 2,524 |
| Net operating income to assets | 0.7366% | 3,814 |
| Return on assets (ROA) | 0.7143% | 3,931 |
| Pretax return on assets | 0.7257% | 4,240 |
| Return on Equity (ROE) | 6.8255% | 3,738 |
| Retained earnings to average equity (ytd only) | -4.2296% | 4,880 |
| Net charge-offs to loans | 0.0029% | 2,636 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 424.0000% | 182 |
| Efficiency ratio | 76.8392% | 1,400 |
| Assets per employee ($millions) | 4.3965% | 3,342 |
| Cash dividends to net income (ytd only)* | 161.9681% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 4,133 |
| Loan loss allowance to noncurrent loans | 443.0147% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 2,206 |
| Noncurrent loans to loans | 0.2042% | 3,855 |
| Net loans and leases to total assets | 62.5344% | 3,454 |
| Net loans and leases to deposits | 73.9423% | 3,460 |
| Net loans and leases to core deposits | 79.1658% | 3,439 |
| Total domestic deposits to total assets | 84.5719% | 2,827 |
| Equity capital to assets | 10.5444% | 3,307 |
| Core capital (leverage) ratio | 9.3201% | 4,346 |
| Tier 1 risk-based capital ratio | 13.0707% | 3,844 |
| Total risk-based capital ratio | 13.8884% | 3,959 |
| Memoranda: | ||
| Average total assets | $210,569,000 | 2,803 |
| Average earning assets | $192,540,000 | 2,826 |
| Average equity | $22,035,000 | 2,972 |
| Average total loans | $136,617,000 | 2,832 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 3,215 |
| Cost of funding earning assets | 0.8078% | 1,485 |
| Net interest margin | 3.4627% | 3,826 |
| Noninterest income to average assets | 0.4857% | 2,907 |
| Noninterest expense to average assets | 2.4192% | 3,832 |
| Loan and lease loss provision to assets | 0.1530% | 1,384 |
| Net operating income to assets | 1.0786% | 2,684 |
| Return on assets (ROA) | 1.0478% | 2,797 |
| Pretax return on assets | 1.0626% | 3,402 |
| Return on Equity (ROE) | 10.3790% | 2,356 |
| Retained earnings to average equity (ytd only) | 4.3988% | 3,118 |
| Net charge-offs to loans | 0.3334% | 579 |
| Credit loss provision to net charge-offs | 67.3684% | 3,024 |
| Earnings coverage of net charge-offs (x) | 5.4905% | 3,190 |
| Efficiency ratio | 65.4192% | 2,970 |
| Assets per employee ($millions) | 4.4704% | 3,211 |
| Cash dividends to net income (ytd only)* | 57.6186% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 4,395 |
| Loan loss allowance to noncurrent loans | 93.7799% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 1,940 |
| Noncurrent loans to loans | 0.8953% | 1,798 |
| Net loans and leases to total assets | 66.1025% | 3,119 |
| Net loans and leases to deposits | 78.0315% | 3,164 |
| Net loans and leases to core deposits | 84.6077% | 3,024 |
| Total domestic deposits to total assets | 84.7126% | 2,766 |
| Equity capital to assets | 10.3842% | 3,300 |
| Core capital (leverage) ratio | 9.3831% | 4,258 |
| Tier 1 risk-based capital ratio | 13.0393% | 3,827 |
| Total risk-based capital ratio | 13.8260% | 3,967 |
| Memoranda: | ||
| Average total assets | $209,199,400 | 2,773 |
| Average earning assets | $192,135,000 | 2,799 |
| Average equity | $21,119,600 | 2,977 |
| Average total loans | $142,480,200 | 2,737 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 3,223 |
| Cost of funding earning assets | 0.7522% | 1,574 |
| Net interest margin | 3.4736% | 3,789 |
| Noninterest income to average assets | 0.4690% | 3,050 |
| Noninterest expense to average assets | 2.3613% | 3,946 |
| Loan and lease loss provision to assets | 0.0574% | 2,832 |
| Net operating income to assets | 1.2259% | 2,140 |
| Return on assets (ROA) | 1.1829% | 2,312 |
| Pretax return on assets | 1.2008% | 2,977 |
| Return on Equity (ROE) | 11.8021% | 1,873 |
| Retained earnings to average equity (ytd only) | 4.5706% | 3,464 |
| Net charge-offs to loans | 0.0261% | 2,595 |
| Credit loss provision to net charge-offs | 321.4286% | 974 |
| Earnings coverage of net charge-offs (x) | 72.8618% | 933 |
| Efficiency ratio | 63.7171% | 3,234 |
| Assets per employee ($millions) | 4.5800% | 3,004 |
| Cash dividends to net income (ytd only)* | 61.2729% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 4,066 |
| Loan loss allowance to noncurrent loans | 407.3099% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 4,148 |
| Noncurrent loans to loans | 0.2321% | 3,875 |
| Net loans and leases to total assets | 69.2812% | 2,762 |
| Net loans and leases to deposits | 81.3706% | 2,883 |
| Net loans and leases to core deposits | 87.9326% | 2,846 |
| Total domestic deposits to total assets | 85.1428% | 2,553 |
| Equity capital to assets | 10.0010% | 3,645 |
| Core capital (leverage) ratio | 9.3392% | 4,353 |
| Tier 1 risk-based capital ratio | 12.5976% | 4,157 |
| Total risk-based capital ratio | 13.5077% | 4,232 |
| Memoranda: | ||
| Average total assets | $208,972,500 | 2,800 |
| Average earning assets | $192,147,000 | 2,821 |
| Average equity | $20,945,000 | 3,020 |
| Average total loans | $143,084,750 | 2,745 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 3,332 |
| Cost of funding earning assets | 0.7102% | 1,568 |
| Net interest margin | 3.4234% | 3,886 |
| Noninterest income to average assets | 0.4645% | 3,065 |
| Noninterest expense to average assets | 2.3762% | 3,961 |
| Loan and lease loss provision to assets | 0.0576% | 2,755 |
| Net operating income to assets | 1.1596% | 2,351 |
| Return on assets (ROA) | 1.0950% | 2,611 |
| Pretax return on assets | 1.1113% | 3,266 |
| Return on Equity (ROE) | 10.9169% | 2,145 |
| Retained earnings to average equity (ytd only) | 2.7077% | 4,166 |
| Net charge-offs to loans | 0.0395% | 2,064 |
| Credit loss provision to net charge-offs | 214.2857% | 1,241 |
| Earnings coverage of net charge-offs (x) | 45.9286% | 1,193 |
| Efficiency ratio | 64.7262% | 3,206 |
| Assets per employee ($millions) | 4.4759% | 3,159 |
| Cash dividends to net income (ytd only)* | 75.1972% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 4,145 |
| Loan loss allowance to noncurrent loans | 345.9391% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 4,039 |
| Noncurrent loans to loans | 0.2727% | 3,737 |
| Net loans and leases to total assets | 68.0246% | 2,866 |
| Net loans and leases to deposits | 79.8024% | 2,971 |
| Net loans and leases to core deposits | 85.4808% | 2,972 |
| Total domestic deposits to total assets | 85.2414% | 2,583 |
| Equity capital to assets | 9.9161% | 3,705 |
| Core capital (leverage) ratio | 9.2502% | 4,415 |
| Tier 1 risk-based capital ratio | 12.2880% | 4,319 |
| Total risk-based capital ratio | 13.1767% | 4,425 |
| Memoranda: | ||
| Average total assets | $208,403,670 | 2,825 |
| Average earning assets | $191,503,670 | 2,838 |
| Average equity | $20,903,330 | 3,031 |
| Average total loans | $141,661,670 | 2,776 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 3,302 |
| Cost of funding earning assets | 0.6720% | 1,590 |
| Net interest margin | 3.4083% | 3,858 |
| Noninterest income to average assets | 0.4165% | 3,341 |
| Noninterest expense to average assets | 2.5070% | 3,619 |
| Loan and lease loss provision to assets | 0.0579% | 2,616 |
| Net operating income to assets | 0.9658% | 3,005 |
| Return on assets (ROA) | 0.8562% | 3,486 |
| Pretax return on assets | 0.8697% | 3,949 |
| Return on Equity (ROE) | 8.4875% | 3,153 |
| Retained earnings to average equity (ytd only) | -2.5998% | 5,055 |
| Net charge-offs to loans | 0.0799% | 1,333 |
| Credit loss provision to net charge-offs | 107.1429% | 1,472 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,507 |
| Efficiency ratio | 69.6030% | 2,551 |
| Assets per employee ($millions) | 4.3979% | 3,327 |
| Cash dividends to net income (ytd only)* | 130.6306% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 4,224 |
| Loan loss allowance to noncurrent loans | 437.0492% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 4,345 |
| Noncurrent loans to loans | 0.2171% | 3,999 |
| Net loans and leases to total assets | 67.3103% | 2,850 |
| Net loans and leases to deposits | 79.0706% | 2,908 |
| Net loans and leases to core deposits | 85.0621% | 2,888 |
| Total domestic deposits to total assets | 85.1268% | 2,893 |
| Equity capital to assets | 9.9269% | 3,668 |
| Core capital (leverage) ratio | 9.0583% | 4,615 |
| Tier 1 risk-based capital ratio | 12.3341% | 4,356 |
| Total risk-based capital ratio | 13.2272% | 4,456 |
| Memoranda: | ||
| Average total assets | $207,423,000 | 2,869 |
| Average earning assets | $190,477,000 | 2,876 |
| Average equity | $20,925,000 | 3,056 |
| Average total loans | $140,261,000 | 2,811 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 3,536 |
| Cost of funding earning assets | 0.5723% | 1,807 |
| Net interest margin | 3.3867% | 3,894 |
| Noninterest income to average assets | 0.4991% | 3,008 |
| Noninterest expense to average assets | 2.5674% | 3,552 |
| Loan and lease loss provision to assets | 0.0584% | 3,064 |
| Net operating income to assets | 0.9878% | 2,303 |
| Return on assets (ROA) | 0.9738% | 2,397 |
| Pretax return on assets | 0.9879% | 3,623 |
| Return on Equity (ROE) | 9.5708% | 2,068 |
| Retained earnings to average equity (ytd only) | 2.2491% | 3,970 |
| Net charge-offs to loans | 0.0185% | 3,483 |
| Credit loss provision to net charge-offs | 480.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 87.1200% | 718 |
| Efficiency ratio | 69.6014% | 2,620 |
| Assets per employee ($millions) | 4.3364% | 3,434 |
| Cash dividends to net income (ytd only)* | 76.5000% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 4,205 |
| Loan loss allowance to noncurrent loans | 917.9310% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,646 |
| Noncurrent loans to loans | 0.1035% | 4,524 |
| Net loans and leases to total assets | 66.6492% | 3,012 |
| Net loans and leases to deposits | 78.5517% | 3,060 |
| Net loans and leases to core deposits | 84.7799% | 3,000 |
| Total domestic deposits to total assets | 84.8476% | 2,894 |
| Equity capital to assets | 10.2481% | 3,436 |
| Core capital (leverage) ratio | 9.0385% | 4,599 |
| Tier 1 risk-based capital ratio | 12.6008% | 4,147 |
| Total risk-based capital ratio | 13.5057% | 4,265 |
| Memoranda: | ||
| Average total assets | $205,386,600 | 2,868 |
| Average earning assets | $189,744,600 | 2,867 |
| Average equity | $20,897,000 | 3,043 |
| Average total loans | $135,337,800 | 2,843 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 3,682 |
| Cost of funding earning assets | 0.5589% | 1,819 |
| Net interest margin | 3.3400% | 4,044 |
| Noninterest income to average assets | 0.5002% | 3,027 |
| Noninterest expense to average assets | 2.5494% | 3,570 |
| Loan and lease loss provision to assets | 0.0586% | 2,906 |
| Net operating income to assets | 0.9723% | 2,678 |
| Return on assets (ROA) | 0.9510% | 2,839 |
| Pretax return on assets | 0.9653% | 3,818 |
| Return on Equity (ROE) | 9.3639% | 2,415 |
| Retained earnings to average equity (ytd only) | 0.3527% | 5,140 |
| Net charge-offs to loans | 0.0239% | 2,972 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 66.8734% | 929 |
| Efficiency ratio | 69.7409% | 2,579 |
| Assets per employee ($millions) | 4.5782% | 3,004 |
| Cash dividends to net income (ytd only)* | 96.2330% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9160% | 4,484 |
| Loan loss allowance to noncurrent loans | 1,607.4074% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 4,902 |
| Noncurrent loans to loans | 0.0570% | 4,855 |
| Net loans and leases to total assets | 68.3604% | 2,787 |
| Net loans and leases to deposits | 80.7146% | 2,901 |
| Net loans and leases to core deposits | 87.3600% | 2,838 |
| Total domestic deposits to total assets | 84.6940% | 2,841 |
| Equity capital to assets | 10.3807% | 3,503 |
| Core capital (leverage) ratio | 9.0036% | 4,730 |
| Tier 1 risk-based capital ratio | 12.2015% | 4,498 |
| Total risk-based capital ratio | 13.0793% | 4,614 |
| Memoranda: | ||
| Average total assets | $204,697,000 | 2,898 |
| Average earning assets | $189,656,750 | 2,898 |
| Average equity | $20,788,500 | 3,077 |
| Average total loans | $134,157,750 | 2,876 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 3,867 |
| Cost of funding earning assets | 0.5448% | 1,808 |
| Net interest margin | 3.2615% | 4,234 |
| Noninterest income to average assets | 0.4984% | 3,037 |
| Noninterest expense to average assets | 2.4929% | 3,773 |
| Loan and lease loss provision to assets | 0.0587% | 2,794 |
| Net operating income to assets | 0.9515% | 2,650 |
| Return on assets (ROA) | 0.9253% | 2,833 |
| Pretax return on assets | 0.9390% | 3,799 |
| Return on Equity (ROE) | 9.1795% | 2,421 |
| Retained earnings to average equity (ytd only) | -1.4959% | 5,292 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6826% | 2,726 |
| Assets per employee ($millions) | 4.3616% | 3,325 |
| Cash dividends to net income (ytd only)* | 116.2963% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 4,416 |
| Loan loss allowance to noncurrent loans | 1,028.5714% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 4,956 |
| Noncurrent loans to loans | 0.0924% | 4,755 |
| Net loans and leases to total assets | 65.9013% | 3,121 |
| Net loans and leases to deposits | 77.3804% | 3,172 |
| Net loans and leases to core deposits | 83.6712% | 3,103 |
| Total domestic deposits to total assets | 85.1653% | 2,746 |
| Equity capital to assets | 10.3677% | 3,495 |
| Core capital (leverage) ratio | 8.9877% | 4,741 |
| Tier 1 risk-based capital ratio | 12.7145% | 4,177 |
| Total risk-based capital ratio | 13.6364% | 4,251 |
| Memoranda: | ||
| Average total assets | $204,257,000 | 2,917 |
| Average earning assets | $189,052,670 | 2,918 |
| Average equity | $20,589,330 | 3,095 |
| Average total loans | $131,498,330 | 2,923 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 4,049 |
| Cost of funding earning assets | 0.5370% | 1,808 |
| Net interest margin | 3.1839% | 4,392 |
| Noninterest income to average assets | 0.5022% | 2,966 |
| Noninterest expense to average assets | 2.6132% | 3,447 |
| Loan and lease loss provision to assets | 0.0589% | 2,632 |
| Net operating income to assets | 0.7612% | 3,422 |
| Return on assets (ROA) | 0.7612% | 3,474 |
| Pretax return on assets | 0.7730% | 4,206 |
| Return on Equity (ROE) | 7.6614% | 3,089 |
| Retained earnings to average equity (ytd only) | -7.9970% | 5,523 |
| Net charge-offs to loans | -0.0062% | 4,247 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6014% | 2,126 |
| Assets per employee ($millions) | 4.4305% | 3,280 |
| Cash dividends to net income (ytd only)* | 204.3814% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 4,493 |
| Loan loss allowance to noncurrent loans | 446.4789% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 4,675 |
| Noncurrent loans to loans | 0.2150% | 4,336 |
| Net loans and leases to total assets | 64.1888% | 3,249 |
| Net loans and leases to deposits | 75.0214% | 3,299 |
| Net loans and leases to core deposits | 82.6233% | 3,023 |
| Total domestic deposits to total assets | 85.5607% | 2,856 |
| Equity capital to assets | 9.9399% | 3,829 |
| Core capital (leverage) ratio | 8.7554% | 4,996 |
| Tier 1 risk-based capital ratio | 12.6815% | 4,274 |
| Total risk-based capital ratio | 13.5948% | 4,387 |
| Memoranda: | ||
| Average total assets | $203,889,000 | 2,950 |
| Average earning assets | $188,451,000 | 2,958 |
| Average equity | $20,257,500 | 3,139 |
| Average total loans | $129,053,000 | 2,977 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 3,751 |
| Cost of funding earning assets | 0.4771% | 2,282 |
| Net interest margin | 3.3704% | 3,921 |
| Noninterest income to average assets | 0.5127% | 3,152 |
| Noninterest expense to average assets | 2.5663% | 3,787 |
| Loan and lease loss provision to assets | 0.0604% | 3,168 |
| Net operating income to assets | 0.9859% | 2,409 |
| Return on assets (ROA) | 0.9654% | 2,615 |
| Pretax return on assets | 0.9790% | 3,544 |
| Return on Equity (ROE) | 9.1148% | 2,364 |
| Retained earnings to average equity (ytd only) | 3.9471% | 3,110 |
| Net charge-offs to loans | 0.0597% | 2,855 |
| Credit loss provision to net charge-offs | 155.8442% | 1,764 |
| Earnings coverage of net charge-offs (x) | 27.3636% | 1,515 |
| Efficiency ratio | 69.5616% | 2,984 |
| Assets per employee ($millions) | 4.3399% | 3,377 |
| Cash dividends to net income (ytd only)* | 56.6962% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 4,433 |
| Loan loss allowance to noncurrent loans | 958.1395% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 5,049 |
| Noncurrent loans to loans | 0.1024% | 4,824 |
| Net loans and leases to total assets | 61.1757% | 3,704 |
| Net loans and leases to deposits | 71.8948% | 3,718 |
| Net loans and leases to core deposits | 79.5733% | 3,432 |
| Total domestic deposits to total assets | 85.0907% | 3,009 |
| Equity capital to assets | 9.9312% | 3,789 |
| Core capital (leverage) ratio | 9.1034% | 4,613 |
| Tier 1 risk-based capital ratio | 13.0793% | 4,015 |
| Total risk-based capital ratio | 13.9764% | 4,144 |
| Memoranda: | ||
| Average total assets | $198,768,000 | 2,966 |
| Average earning assets | $183,628,200 | 2,978 |
| Average equity | $21,053,600 | 3,061 |
| Average total loans | $129,024,600 | 2,935 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 3,726 |
| Cost of funding earning assets | 0.4664% | 2,407 |
| Net interest margin | 3.3959% | 3,853 |
| Noninterest income to average assets | 0.5469% | 2,932 |
| Noninterest expense to average assets | 2.5570% | 3,801 |
| Loan and lease loss provision to assets | 0.0608% | 3,029 |
| Net operating income to assets | 1.0551% | 2,175 |
| Return on assets (ROA) | 1.0344% | 2,395 |
| Pretax return on assets | 1.0499% | 3,428 |
| Return on Equity (ROE) | 9.6111% | 2,222 |
| Retained earnings to average equity (ytd only) | 3.5571% | 3,763 |
| Net charge-offs to loans | 0.0514% | 2,636 |
| Credit loss provision to net charge-offs | 180.0000% | 1,556 |
| Earnings coverage of net charge-offs (x) | 33.5175% | 1,389 |
| Efficiency ratio | 68.1311% | 3,201 |
| Assets per employee ($millions) | 4.1625% | 3,669 |
| Cash dividends to net income (ytd only)* | 62.9892% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 4,668 |
| Loan loss allowance to noncurrent loans | 511.6183% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 4,915 |
| Noncurrent loans to loans | 0.1856% | 4,604 |
| Net loans and leases to total assets | 64.3802% | 3,349 |
| Net loans and leases to deposits | 76.6097% | 3,339 |
| Net loans and leases to core deposits | 83.3623% | 3,186 |
| Total domestic deposits to total assets | 84.0367% | 3,204 |
| Equity capital to assets | 10.8948% | 3,140 |
| Core capital (leverage) ratio | 9.0764% | 4,749 |
| Tier 1 risk-based capital ratio | 13.0015% | 4,159 |
| Total risk-based capital ratio | 13.9049% | 4,276 |
| Memoranda: | ||
| Average total assets | $197,466,750 | 2,996 |
| Average earning assets | $182,684,250 | 3,002 |
| Average equity | $21,252,750 | 3,067 |
| Average total loans | $129,776,250 | 2,931 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 3,753 |
| Cost of funding earning assets | 0.4608% | 2,468 |
| Net interest margin | 3.3961% | 3,910 |
| Noninterest income to average assets | 0.5227% | 3,050 |
| Noninterest expense to average assets | 2.5319% | 3,940 |
| Loan and lease loss provision to assets | 0.0610% | 2,916 |
| Net operating income to assets | 1.0541% | 2,151 |
| Return on assets (ROA) | 1.0229% | 2,420 |
| Pretax return on assets | 1.0382% | 3,444 |
| Return on Equity (ROE) | 9.5441% | 2,254 |
| Retained earnings to average equity (ytd only) | 2.7608% | 4,140 |
| Net charge-offs to loans | 0.0092% | 3,388 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 185.3333% | 354 |
| Efficiency ratio | 67.9067% | 3,361 |
| Assets per employee ($millions) | 4.1573% | 3,640 |
| Cash dividends to net income (ytd only)* | 71.0736% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 4,772 |
| Loan loss allowance to noncurrent loans | 585.4460% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 5,001 |
| Noncurrent loans to loans | 0.1617% | 4,797 |
| Net loans and leases to total assets | 65.3870% | 3,170 |
| Net loans and leases to deposits | 79.5834% | 2,987 |
| Net loans and leases to core deposits | 87.8122% | 2,742 |
| Total domestic deposits to total assets | 82.1615% | 3,954 |
| Equity capital to assets | 10.7852% | 3,301 |
| Core capital (leverage) ratio | 9.0315% | 4,790 |
| Tier 1 risk-based capital ratio | 13.2536% | 4,039 |
| Total risk-based capital ratio | 14.2005% | 4,138 |
| Memoranda: | ||
| Average total assets | $196,688,330 | 3,021 |
| Average earning assets | $181,857,000 | 3,022 |
| Average equity | $21,081,000 | 3,091 |
| Average total loans | $129,746,330 | 2,931 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8386% | 3,813 |
| Cost of funding earning assets | 0.4645% | 2,423 |
| Net interest margin | 3.3740% | 3,963 |
| Noninterest income to average assets | 0.5306% | 2,931 |
| Noninterest expense to average assets | 2.5280% | 3,986 |
| Loan and lease loss provision to assets | 0.0615% | 2,712 |
| Net operating income to assets | 1.0360% | 2,136 |
| Return on assets (ROA) | 0.9731% | 2,513 |
| Pretax return on assets | 0.9874% | 3,526 |
| Return on Equity (ROE) | 9.1081% | 2,372 |
| Retained earnings to average equity (ytd only) | 0.1917% | 5,062 |
| Net charge-offs to loans | 0.0186% | 2,562 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 90.5000% | 579 |
| Efficiency ratio | 68.2048% | 3,430 |
| Assets per employee ($millions) | 4.1881% | 3,604 |
| Cash dividends to net income (ytd only)* | 97.8947% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 4,892 |
| Loan loss allowance to noncurrent loans | 3,803.1250% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,487 |
| Noncurrent loans to loans | 0.0248% | 5,396 |
| Net loans and leases to total assets | 64.9888% | 3,110 |
| Net loans and leases to deposits | 77.4535% | 3,058 |
| Net loans and leases to core deposits | 85.5526% | 2,791 |
| Total domestic deposits to total assets | 83.9070% | 3,554 |
| Equity capital to assets | 10.6471% | 3,315 |
| Core capital (leverage) ratio | 9.0180% | 4,833 |
| Tier 1 risk-based capital ratio | 12.4357% | 4,627 |
| Total risk-based capital ratio | 13.3175% | 4,787 |
| Memoranda: | ||
| Average total assets | $195,256,500 | 3,042 |
| Average earning assets | $179,963,000 | 3,047 |
| Average equity | $20,860,500 | 3,110 |
| Average total loans | $128,755,500 | 2,954 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7897% | 4,075 |
| Cost of funding earning assets | 0.4624% | 2,515 |
| Net interest margin | 3.3273% | 4,190 |
| Noninterest income to average assets | 0.3167% | 4,628 |
| Noninterest expense to average assets | 2.6992% | 3,581 |
| Loan and lease loss provision to assets | 0.0790% | 2,700 |
| Net operating income to assets | 0.5934% | 4,304 |
| Return on assets (ROA) | 0.5950% | 4,398 |
| Pretax return on assets | 0.6039% | 4,827 |
| Return on Equity (ROE) | 5.5032% | 4,284 |
| Retained earnings to average equity (ytd only) | -0.0146% | 5,515 |
| Net charge-offs to loans | 0.0016% | 4,418 |
| Credit loss provision to net charge-offs | 7,500.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 646.5000% | 98 |
| Efficiency ratio | 78.4879% | 1,890 |
| Assets per employee ($millions) | 4.1206% | 3,716 |
| Cash dividends to net income (ytd only)* | 100.2657% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 4,975 |
| Loan loss allowance to noncurrent loans | 641.3978% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 5,235 |
| Noncurrent loans to loans | 0.1449% | 4,914 |
| Net loans and leases to total assets | 65.6658% | 3,032 |
| Net loans and leases to deposits | 78.5550% | 2,989 |
| Net loans and leases to core deposits | 88.0847% | 2,596 |
| Total domestic deposits to total assets | 83.5922% | 3,640 |
| Equity capital to assets | 10.7208% | 3,106 |
| Core capital (leverage) ratio | 9.2261% | 4,577 |
| Tier 1 risk-based capital ratio | 12.6844% | 4,517 |
| Total risk-based capital ratio | 13.5652% | 4,643 |
| Memoranda: | ||
| Average total assets | $189,763,000 | 3,057 |
| Average earning assets | $174,736,600 | 3,055 |
| Average equity | $20,515,400 | 3,119 |
| Average total loans | $122,125,800 | 3,018 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 4,067 |
| Cost of funding earning assets | 0.4650% | 2,534 |
| Net interest margin | 3.3419% | 4,173 |
| Noninterest income to average assets | 0.2938% | 4,844 |
| Noninterest expense to average assets | 2.7014% | 3,557 |
| Loan and lease loss provision to assets | 0.0798% | 2,577 |
| Net operating income to assets | 0.5798% | 4,474 |
| Return on assets (ROA) | 0.5805% | 4,572 |
| Pretax return on assets | 0.5890% | 5,001 |
| Return on Equity (ROE) | 5.3583% | 4,461 |
| Retained earnings to average equity (ytd only) | -1.2125% | 5,780 |
| Net charge-offs to loans | 0.0409% | 3,068 |
| Credit loss provision to net charge-offs | 305.4054% | 951 |
| Earnings coverage of net charge-offs (x) | 25.5686% | 1,658 |
| Efficiency ratio | 78.8095% | 1,843 |
| Assets per employee ($millions) | 3.9906% | 3,890 |
| Cash dividends to net income (ytd only)* | 122.6284% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 5,232 |
| Loan loss allowance to noncurrent loans | 683.5366% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 5,340 |
| Noncurrent loans to loans | 0.1303% | 5,109 |
| Net loans and leases to total assets | 66.4881% | 2,935 |
| Net loans and leases to deposits | 80.4167% | 2,831 |
| Net loans and leases to core deposits | 88.6040% | 2,600 |
| Total domestic deposits to total assets | 82.6794% | 3,926 |
| Equity capital to assets | 10.9252% | 3,103 |
| Core capital (leverage) ratio | 9.1600% | 4,790 |
| Tier 1 risk-based capital ratio | 12.7561% | 4,574 |
| Total risk-based capital ratio | 13.5978% | 4,763 |
| Memoranda: | ||
| Average total assets | $188,786,250 | 3,092 |
| Average earning assets | $173,749,750 | 3,090 |
| Average equity | $20,453,500 | 3,157 |
| Average total loans | $120,565,250 | 3,063 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 4,284 |
| Cost of funding earning assets | 0.4642% | 2,570 |
| Net interest margin | 3.2745% | 4,398 |
| Noninterest income to average assets | 0.1956% | 5,513 |
| Noninterest expense to average assets | 2.7749% | 3,332 |
| Loan and lease loss provision to assets | 0.0793% | 2,529 |
| Net operating income to assets | 0.3490% | 5,302 |
| Return on assets (ROA) | 0.3647% | 5,358 |
| Pretax return on assets | 0.3700% | 5,535 |
| Return on Equity (ROE) | 3.3756% | 5,278 |
| Retained earnings to average equity (ytd only) | -4.2366% | 5,990 |
| Net charge-offs to loans | 0.0623% | 2,488 |
| Credit loss provision to net charge-offs | 202.7027% | 1,217 |
| Earnings coverage of net charge-offs (x) | 11.0811% | 2,322 |
| Efficiency ratio | 85.0412% | 1,148 |
| Assets per employee ($millions) | 4.0032% | 3,879 |
| Cash dividends to net income (ytd only)* | 225.5072% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 5,360 |
| Loan loss allowance to noncurrent loans | 536.1386% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 5,242 |
| Noncurrent loans to loans | 0.1646% | 5,105 |
| Net loans and leases to total assets | 64.6307% | 3,177 |
| Net loans and leases to deposits | 77.8689% | 3,048 |
| Net loans and leases to core deposits | 85.5830% | 2,809 |
| Total domestic deposits to total assets | 82.9994% | 3,960 |
| Equity capital to assets | 10.6664% | 3,252 |
| Core capital (leverage) ratio | 9.0643% | 4,872 |
| Tier 1 risk-based capital ratio | 13.3130% | 4,341 |
| Total risk-based capital ratio | 14.1746% | 4,479 |
| Memoranda: | ||
| Average total assets | $189,196,000 | 3,115 |
| Average earning assets | $174,073,000 | 3,109 |
| Average equity | $20,441,000 | 3,170 |
| Average total loans | $118,812,330 | 3,106 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 3,787 |
| Cost of funding earning assets | 0.4654% | 2,616 |
| Net interest margin | 3.3951% | 3,862 |
| Noninterest income to average assets | 0.5397% | 3,024 |
| Noninterest expense to average assets | 2.6397% | 3,786 |
| Loan and lease loss provision to assets | 0.0801% | 2,359 |
| Net operating income to assets | 0.9292% | 2,612 |
| Return on assets (ROA) | 0.8687% | 3,029 |
| Pretax return on assets | 0.8813% | 3,958 |
| Return on Equity (ROE) | 7.9895% | 2,964 |
| Retained earnings to average equity (ytd only) | -3.0446% | 5,798 |
| Net charge-offs to loans | 0.0650% | 2,091 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 25.5263% | 1,262 |
| Efficiency ratio | 70.8117% | 3,352 |
| Assets per employee ($millions) | 3.9882% | 3,985 |
| Cash dividends to net income (ytd only)* | 138.1068% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 5,333 |
| Loan loss allowance to noncurrent loans | 1,716.1290% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 5,682 |
| Noncurrent loans to loans | 0.0542% | 5,561 |
| Net loans and leases to total assets | 60.4847% | 3,581 |
| Net loans and leases to deposits | 72.7154% | 3,469 |
| Net loans and leases to core deposits | 78.3388% | 3,343 |
| Total domestic deposits to total assets | 83.1800% | 4,127 |
| Equity capital to assets | 11.0444% | 2,927 |
| Core capital (leverage) ratio | 9.1007% | 4,844 |
| Tier 1 risk-based capital ratio | 14.4810% | 3,733 |
| Total risk-based capital ratio | 15.3871% | 3,854 |
| Memoranda: | ||
| Average total assets | $189,718,000 | 3,124 |
| Average earning assets | $174,486,500 | 3,119 |
| Average equity | $20,627,000 | 3,174 |
| Average total loans | $116,875,000 | 3,146 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8533% | 4,305 |
| Cost of funding earning assets | 0.5011% | 2,667 |
| Net interest margin | 3.3522% | 4,398 |
| Noninterest income to average assets | 0.4937% | 3,560 |
| Noninterest expense to average assets | 2.9768% | 2,914 |
| Loan and lease loss provision to assets | 0.1229% | 2,133 |
| Net operating income to assets | 0.4679% | 4,930 |
| Return on assets (ROA) | 0.4471% | 5,124 |
| Pretax return on assets | 0.4533% | 5,377 |
| Return on Equity (ROE) | 4.4886% | 4,896 |
| Retained earnings to average equity (ytd only) | -1.0694% | 5,929 |
| Net charge-offs to loans | 0.1009% | 3,065 |
| Credit loss provision to net charge-offs | 210.5263% | 1,174 |
| Earnings coverage of net charge-offs (x) | 10.2281% | 2,638 |
| Efficiency ratio | 81.8286% | 1,683 |
| Assets per employee ($millions) | 3.9998% | 3,954 |
| Cash dividends to net income (ytd only)* | 123.8259% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 5,545 |
| Loan loss allowance to noncurrent loans | 774.0741% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 5,689 |
| Noncurrent loans to loans | 0.1131% | 5,438 |
| Net loans and leases to total assets | 61.5994% | 3,556 |
| Net loans and leases to deposits | 75.2539% | 3,284 |
| Net loans and leases to core deposits | 81.4588% | 3,154 |
| Total domestic deposits to total assets | 81.8555% | 4,473 |
| Equity capital to assets | 10.7046% | 3,230 |
| Core capital (leverage) ratio | 9.0743% | 4,866 |
| Tier 1 risk-based capital ratio | 13.8344% | 4,214 |
| Total risk-based capital ratio | 14.6857% | 4,387 |
| Memoranda: | ||
| Average total assets | $195,240,600 | 3,052 |
| Average earning assets | $179,405,800 | 3,053 |
| Average equity | $19,449,400 | 3,223 |
| Average total loans | $113,037,800 | 3,157 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 4,293 |
| Cost of funding earning assets | 0.5099% | 2,661 |
| Net interest margin | 3.3574% | 4,398 |
| Noninterest income to average assets | 0.4747% | 3,717 |
| Noninterest expense to average assets | 2.9610% | 2,930 |
| Loan and lease loss provision to assets | 0.1224% | 2,037 |
| Net operating income to assets | 0.4693% | 4,998 |
| Return on assets (ROA) | 0.4366% | 5,199 |
| Pretax return on assets | 0.4434% | 5,486 |
| Return on Equity (ROE) | 4.4643% | 4,980 |
| Retained earnings to average equity (ytd only) | -2.1765% | 6,090 |
| Net charge-offs to loans | 0.0730% | 3,147 |
| Credit loss provision to net charge-offs | 295.0820% | 919 |
| Earnings coverage of net charge-offs (x) | 14.4429% | 2,143 |
| Efficiency ratio | 81.6237% | 1,668 |
| Assets per employee ($millions) | 3.6164% | 4,648 |
| Cash dividends to net income (ytd only)* | 148.7535% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 5,621 |
| Loan loss allowance to noncurrent loans | 296.2857% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 5,191 |
| Noncurrent loans to loans | 0.3019% | 5,000 |
| Net loans and leases to total assets | 59.9533% | 3,789 |
| Net loans and leases to deposits | 72.9579% | 3,571 |
| Net loans and leases to core deposits | 79.0030% | 3,436 |
| Total domestic deposits to total assets | 82.1752% | 4,421 |
| Equity capital to assets | 10.4351% | 3,642 |
| Core capital (leverage) ratio | 8.8027% | 5,335 |
| Tier 1 risk-based capital ratio | 13.9972% | 4,216 |
| Total risk-based capital ratio | 14.8583% | 4,418 |
| Memoranda: | ||
| Average total assets | $196,052,750 | 3,060 |
| Average earning assets | $180,175,500 | 3,059 |
| Average equity | $19,173,750 | 3,274 |
| Average total loans | $111,469,500 | 3,207 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7996% | 4,528 |
| Cost of funding earning assets | 0.5072% | 2,758 |
| Net interest margin | 3.2924% | 4,623 |
| Noninterest income to average assets | 0.4779% | 3,647 |
| Noninterest expense to average assets | 3.0357% | 2,709 |
| Loan and lease loss provision to assets | 0.1215% | 2,020 |
| Net operating income to assets | 0.3388% | 5,437 |
| Return on assets (ROA) | 0.3159% | 5,590 |
| Pretax return on assets | 0.3210% | 5,745 |
| Return on Equity (ROE) | 3.3019% | 5,427 |
| Retained earnings to average equity (ytd only) | -4.7095% | 6,216 |
| Net charge-offs to loans | 0.0927% | 2,756 |
| Credit loss provision to net charge-offs | 235.2941% | 1,034 |
| Earnings coverage of net charge-offs (x) | 9.0196% | 2,408 |
| Efficiency ratio | 84.9913% | 1,386 |
| Assets per employee ($millions) | 3.7846% | 4,288 |
| Cash dividends to net income (ytd only)* | 242.6282% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 5,810 |
| Loan loss allowance to noncurrent loans | 338.3562% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 5,429 |
| Noncurrent loans to loans | 0.2575% | 5,242 |
| Net loans and leases to total assets | 56.0431% | 4,279 |
| Net loans and leases to deposits | 68.8078% | 3,956 |
| Net loans and leases to core deposits | 74.1659% | 3,821 |
| Total domestic deposits to total assets | 81.4488% | 4,826 |
| Equity capital to assets | 9.8018% | 4,353 |
| Core capital (leverage) ratio | 8.5677% | 5,564 |
| Tier 1 risk-based capital ratio | 13.6789% | 4,470 |
| Total risk-based capital ratio | 14.4880% | 4,695 |
| Memoranda: | ||
| Average total assets | $197,513,330 | 3,063 |
| Average earning assets | $181,387,000 | 3,065 |
| Average equity | $18,898,000 | 3,302 |
| Average total loans | $109,976,000 | 3,243 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 3,954 |
| Cost of funding earning assets | 0.5056% | 2,844 |
| Net interest margin | 3.4276% | 3,994 |
| Noninterest income to average assets | 0.4756% | 3,596 |
| Noninterest expense to average assets | 2.9820% | 2,924 |
| Loan and lease loss provision to assets | 0.1225% | 1,968 |
| Net operating income to assets | 0.5055% | 4,664 |
| Return on assets (ROA) | 0.4368% | 5,045 |
| Pretax return on assets | 0.4429% | 5,329 |
| Return on Equity (ROE) | 4.6229% | 4,730 |
| Retained earnings to average equity (ytd only) | -7.4528% | 6,263 |
| Net charge-offs to loans | 0.1108% | 2,074 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 10.3667% | 1,867 |
| Efficiency ratio | 80.3612% | 2,151 |
| Assets per employee ($millions) | 3.5848% | 4,757 |
| Cash dividends to net income (ytd only)* | 261.2150% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 5,904 |
| Loan loss allowance to noncurrent loans | 161.9454% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 5,216 |
| Noncurrent loans to loans | 0.5473% | 4,522 |
| Net loans and leases to total assets | 53.8268% | 4,442 |
| Net loans and leases to deposits | 63.9801% | 4,314 |
| Net loans and leases to core deposits | 69.1102% | 4,191 |
| Total domestic deposits to total assets | 84.1305% | 4,231 |
| Equity capital to assets | 9.5322% | 4,461 |
| Core capital (leverage) ratio | 8.7320% | 5,342 |
| Tier 1 risk-based capital ratio | 14.3719% | 4,081 |
| Total risk-based capital ratio | 15.1845% | 4,314 |
| Memoranda: | ||
| Average total assets | $195,977,500 | 3,101 |
| Average earning assets | $179,600,000 | 3,104 |
| Average equity | $18,516,500 | 3,350 |
| Average total loans | $108,263,000 | 3,297 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8500% | 4,631 |
| Cost of funding earning assets | 0.5455% | 3,150 |
| Net interest margin | 3.3044% | 4,651 |
| Noninterest income to average assets | 0.5207% | 3,627 |
| Noninterest expense to average assets | 3.0190% | 3,004 |
| Loan and lease loss provision to assets | 0.0613% | 3,915 |
| Net operating income to assets | 0.4620% | 4,899 |
| Return on assets (ROA) | 0.4686% | 5,006 |
| Pretax return on assets | 0.4742% | 5,282 |
| Return on Equity (ROE) | 4.6792% | 4,794 |
| Retained earnings to average equity (ytd only) | -1.1277% | 6,080 |
| Net charge-offs to loans | 0.2926% | 2,225 |
| Credit loss provision to net charge-offs | 38.4615% | 4,074 |
| Earnings coverage of net charge-offs (x) | 3.3173% | 3,898 |
| Efficiency ratio | 82.9469% | 1,756 |
| Assets per employee ($millions) | 3.5417% | 4,820 |
| Cash dividends to net income (ytd only)* | 124.1003% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 6,086 |
| Loan loss allowance to noncurrent loans | 200.6550% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 5,279 |
| Noncurrent loans to loans | 0.4185% | 4,951 |
| Net loans and leases to total assets | 55.7166% | 4,355 |
| Net loans and leases to deposits | 65.6522% | 4,335 |
| Net loans and leases to core deposits | 71.0937% | 4,177 |
| Total domestic deposits to total assets | 84.8663% | 3,821 |
| Equity capital to assets | 9.3634% | 4,597 |
| Core capital (leverage) ratio | 8.9951% | 5,015 |
| Tier 1 risk-based capital ratio | 14.3291% | 4,067 |
| Total risk-based capital ratio | 15.0994% | 4,346 |
| Memoranda: | ||
| Average total assets | $195,692,400 | 3,075 |
| Average earning assets | $179,273,800 | 3,080 |
| Average equity | $19,597,200 | 3,199 |
| Average total loans | $106,641,600 | 3,311 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 4,741 |
| Cost of funding earning assets | 0.5502% | 3,258 |
| Net interest margin | 3.2775% | 4,723 |
| Noninterest income to average assets | 0.5050% | 3,769 |
| Noninterest expense to average assets | 2.9114% | 3,263 |
| Loan and lease loss provision to assets | 0.0613% | 3,821 |
| Net operating income to assets | 0.5281% | 4,675 |
| Return on assets (ROA) | 0.5295% | 4,829 |
| Pretax return on assets | 0.5376% | 5,241 |
| Return on Equity (ROE) | 5.2030% | 4,625 |
| Retained earnings to average equity (ytd only) | -1.5850% | 6,209 |
| Net charge-offs to loans | 0.3335% | 1,877 |
| Credit loss provision to net charge-offs | 33.9623% | 3,823 |
| Earnings coverage of net charge-offs (x) | 3.3133% | 3,742 |
| Efficiency ratio | 80.7991% | 1,998 |
| Assets per employee ($millions) | 3.5092% | 4,831 |
| Cash dividends to net income (ytd only)* | 130.4624% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 6,158 |
| Loan loss allowance to noncurrent loans | 133.5235% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 5,339 |
| Noncurrent loans to loans | 0.6435% | 4,587 |
| Net loans and leases to total assets | 54.9574% | 4,466 |
| Net loans and leases to deposits | 67.8305% | 4,079 |
| Net loans and leases to core deposits | 74.2159% | 3,815 |
| Total domestic deposits to total assets | 81.0217% | 5,208 |
| Equity capital to assets | 9.2823% | 4,824 |
| Core capital (leverage) ratio | 8.8557% | 5,318 |
| Tier 1 risk-based capital ratio | 14.2490% | 4,252 |
| Total risk-based capital ratio | 15.0316% | 4,534 |
| Memoranda: | ||
| Average total assets | $195,917,750 | 3,098 |
| Average earning assets | $179,562,500 | 3,106 |
| Average equity | $19,936,750 | 3,193 |
| Average total loans | $105,939,500 | 3,347 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7226% | 5,075 |
| Cost of funding earning assets | 0.5549% | 3,363 |
| Net interest margin | 3.1677% | 5,058 |
| Noninterest income to average assets | 0.5242% | 3,673 |
| Noninterest expense to average assets | 2.9307% | 3,235 |
| Loan and lease loss provision to assets | 0.0613% | 3,785 |
| Net operating income to assets | 0.4312% | 5,104 |
| Return on assets (ROA) | 0.4312% | 5,260 |
| Pretax return on assets | 0.4374% | 5,556 |
| Return on Equity (ROE) | 4.1167% | 5,171 |
| Retained earnings to average equity (ytd only) | -4.0191% | 6,398 |
| Net charge-offs to loans | 0.3888% | 1,665 |
| Credit loss provision to net charge-offs | 29.4118% | 3,599 |
| Earnings coverage of net charge-offs (x) | 2.3922% | 3,722 |
| Efficiency ratio | 83.2539% | 1,724 |
| Assets per employee ($millions) | 3.4975% | 4,859 |
| Cash dividends to net income (ytd only)* | 197.6303% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 6,071 |
| Loan loss allowance to noncurrent loans | 107.0875% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 5,043 |
| Noncurrent loans to loans | 0.8610% | 4,203 |
| Net loans and leases to total assets | 53.0525% | 4,727 |
| Net loans and leases to deposits | 64.4267% | 4,449 |
| Net loans and leases to core deposits | 69.2420% | 4,359 |
| Total domestic deposits to total assets | 82.3455% | 4,930 |
| Equity capital to assets | 9.6672% | 4,359 |
| Core capital (leverage) ratio | 8.6612% | 5,470 |
| Tier 1 risk-based capital ratio | 14.6096% | 4,026 |
| Total risk-based capital ratio | 15.4489% | 4,252 |
| Memoranda: | ||
| Average total assets | $195,719,000 | 3,122 |
| Average earning assets | $179,498,000 | 3,118 |
| Average equity | $20,502,000 | 3,156 |
| Average total loans | $104,941,000 | 3,385 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 4,695 |
| Cost of funding earning assets | 0.5653% | 3,425 |
| Net interest margin | 3.2711% | 4,626 |
| Noninterest income to average assets | 0.4805% | 3,920 |
| Noninterest expense to average assets | 2.7764% | 3,777 |
| Loan and lease loss provision to assets | 0.0613% | 3,614 |
| Net operating income to assets | 0.6280% | 4,088 |
| Return on assets (ROA) | 0.4600% | 5,034 |
| Pretax return on assets | 0.4661% | 5,372 |
| Return on Equity (ROE) | 4.2281% | 4,983 |
| Retained earnings to average equity (ytd only) | -7.8173% | 6,512 |
| Net charge-offs to loans | 0.2362% | 2,030 |
| Credit loss provision to net charge-offs | 48.3871% | 2,623 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,360 |
| Efficiency ratio | 77.7516% | 2,653 |
| Assets per employee ($millions) | 3.4271% | 5,141 |
| Cash dividends to net income (ytd only)* | 284.8889% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 5,759 |
| Loan loss allowance to noncurrent loans | 171.9298% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 5,631 |
| Noncurrent loans to loans | 0.6159% | 4,905 |
| Net loans and leases to total assets | 50.6714% | 4,900 |
| Net loans and leases to deposits | 61.1832% | 4,659 |
| Net loans and leases to core deposits | 65.9031% | 4,545 |
| Total domestic deposits to total assets | 82.8191% | 4,917 |
| Equity capital to assets | 10.5719% | 3,459 |
| Core capital (leverage) ratio | 8.8079% | 5,174 |
| Tier 1 risk-based capital ratio | 14.9057% | 3,911 |
| Total risk-based capital ratio | 15.8626% | 4,061 |
| Memoranda: | ||
| Average total assets | $195,649,000 | 3,149 |
| Average earning assets | $179,024,500 | 3,160 |
| Average equity | $21,286,000 | 3,100 |
| Average total loans | $104,974,000 | 3,399 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 4,690 |
| Cost of funding earning assets | 0.6826% | 3,635 |
| Net interest margin | 3.4877% | 4,541 |
| Noninterest income to average assets | 0.5353% | 3,679 |
| Noninterest expense to average assets | 2.8688% | 3,767 |
| Loan and lease loss provision to assets | 0.0634% | 4,970 |
| Net operating income to assets | 1.0843% | 1,994 |
| Return on assets (ROA) | 1.3506% | 1,321 |
| Pretax return on assets | 1.0420% | 3,390 |
| Return on Equity (ROE) | 12.3974% | 1,388 |
| Retained earnings to average equity (ytd only) | 8.8421% | 870 |
| Net charge-offs to loans | 0.1742% | 3,984 |
| Credit loss provision to net charge-offs | 66.6667% | 4,259 |
| Earnings coverage of net charge-offs (x) | 8.8222% | 2,346 |
| Efficiency ratio | 75.2458% | 2,866 |
| Assets per employee ($millions) | 3.2631% | 5,486 |
| Cash dividends to net income (ytd only)* | 28.6776% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 5,869 |
| Loan loss allowance to noncurrent loans | 199.1039% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 5,814 |
| Noncurrent loans to loans | 0.5160% | 5,241 |
| Net loans and leases to total assets | 55.5969% | 4,364 |
| Net loans and leases to deposits | 67.9585% | 3,990 |
| Net loans and leases to core deposits | 73.2480% | 3,882 |
| Total domestic deposits to total assets | 81.8102% | 5,160 |
| Equity capital to assets | 11.1975% | 2,738 |
| Core capital (leverage) ratio | 9.2081% | 4,568 |
| Tier 1 risk-based capital ratio | 14.8578% | 3,797 |
| Total risk-based capital ratio | 15.8191% | 3,938 |
| Memoranda: | ||
| Average total assets | $189,244,600 | 3,187 |
| Average earning assets | $172,146,800 | 3,199 |
| Average equity | $20,617,200 | 3,134 |
| Average total loans | $103,309,800 | 3,448 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 4,642 |
| Cost of funding earning assets | 0.7049% | 3,719 |
| Net interest margin | 3.5469% | 4,453 |
| Noninterest income to average assets | 0.5392% | 3,673 |
| Noninterest expense to average assets | 2.8509% | 3,793 |
| Loan and lease loss provision to assets | 0.0637% | 4,916 |
| Net operating income to assets | 1.2666% | 1,521 |
| Return on assets (ROA) | 1.6402% | 855 |
| Pretax return on assets | 1.2242% | 2,895 |
| Return on Equity (ROE) | 15.1633% | 872 |
| Retained earnings to average equity (ytd only) | 11.5197% | 609 |
| Net charge-offs to loans | 0.2351% | 3,313 |
| Credit loss provision to net charge-offs | 50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | 7.1779% | 2,646 |
| Efficiency ratio | 73.7079% | 3,036 |
| Assets per employee ($millions) | 3.3065% | 5,430 |
| Cash dividends to net income (ytd only)* | 24.0294% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,037 |
| Loan loss allowance to noncurrent loans | 315.1603% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 6,247 |
| Noncurrent loans to loans | 0.3206% | 5,837 |
| Net loans and leases to total assets | 56.1903% | 4,422 |
| Net loans and leases to deposits | 68.3479% | 4,123 |
| Net loans and leases to core deposits | 74.0534% | 3,969 |
| Total domestic deposits to total assets | 82.2122% | 4,947 |
| Equity capital to assets | 11.4818% | 2,761 |
| Core capital (leverage) ratio | 9.2978% | 4,590 |
| Tier 1 risk-based capital ratio | 15.2878% | 3,655 |
| Total risk-based capital ratio | 16.2556% | 3,797 |
| Memoranda: | ||
| Average total assets | $188,424,500 | 3,224 |
| Average earning assets | $171,374,750 | 3,242 |
| Average equity | $20,382,000 | 3,188 |
| Average total loans | $102,100,000 | 3,509 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 4,636 |
| Cost of funding earning assets | 0.7251% | 3,807 |
| Net interest margin | 3.5580% | 4,425 |
| Noninterest income to average assets | 0.4979% | 3,936 |
| Noninterest expense to average assets | 2.8693% | 3,747 |
| Loan and lease loss provision to assets | 0.0637% | 4,847 |
| Net operating income to assets | 1.4309% | 1,126 |
| Return on assets (ROA) | 1.9362% | 500 |
| Pretax return on assets | 1.3046% | 2,540 |
| Return on Equity (ROE) | 18.2741% | 476 |
| Retained earnings to average equity (ytd only) | 13.9260% | 354 |
| Net charge-offs to loans | 0.2090% | 3,312 |
| Credit loss provision to net charge-offs | 57.1429% | 3,873 |
| Earnings coverage of net charge-offs (x) | 7.7429% | 2,427 |
| Efficiency ratio | 74.8578% | 2,926 |
| Assets per employee ($millions) | 3.4394% | 5,113 |
| Cash dividends to net income (ytd only)* | 23.7939% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,715 |
| Loan loss allowance to noncurrent loans | 232.6446% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 6,107 |
| Noncurrent loans to loans | 0.4802% | 5,566 |
| Net loans and leases to total assets | 52.6844% | 5,010 |
| Net loans and leases to deposits | 63.9812% | 4,767 |
| Net loans and leases to core deposits | 69.7716% | 4,554 |
| Total domestic deposits to total assets | 82.3436% | 4,999 |
| Equity capital to assets | 11.1458% | 2,969 |
| Core capital (leverage) ratio | 8.9313% | 5,006 |
| Tier 1 risk-based capital ratio | 15.5222% | 3,424 |
| Total risk-based capital ratio | 16.5708% | 3,524 |
| Memoranda: | ||
| Average total assets | $188,408,670 | 3,235 |
| Average earning assets | $171,277,330 | 3,254 |
| Average equity | $19,962,670 | 3,223 |
| Average total loans | $100,472,000 | 3,559 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4228% | 4,230 |
| Cost of funding earning assets | 0.7547% | 3,827 |
| Net interest margin | 3.6681% | 3,971 |
| Noninterest income to average assets | 0.4893% | 3,984 |
| Noninterest expense to average assets | 2.7272% | 4,326 |
| Loan and lease loss provision to assets | 0.0638% | 4,627 |
| Net operating income to assets | 0.6439% | 4,146 |
| Return on assets (ROA) | 0.8318% | 3,473 |
| Pretax return on assets | 1.3211% | 2,461 |
| Return on Equity (ROE) | 8.0610% | 3,260 |
| Retained earnings to average equity (ytd only) | -0.2062% | 6,029 |
| Net charge-offs to loans | 0.0997% | 3,538 |
| Credit loss provision to net charge-offs | 120.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 20.5200% | 1,188 |
| Efficiency ratio | 69.4150% | 3,913 |
| Assets per employee ($millions) | 3.3209% | 5,513 |
| Cash dividends to net income (ytd only)* | 102.5575% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 5,568 |
| Loan loss allowance to noncurrent loans | 179.8165% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 6,034 |
| Noncurrent loans to loans | 0.6588% | 5,326 |
| Net loans and leases to total assets | 50.9288% | 5,173 |
| Net loans and leases to deposits | 60.9618% | 5,051 |
| Net loans and leases to core deposits | 66.6449% | 4,838 |
| Total domestic deposits to total assets | 83.5422% | 4,697 |
| Equity capital to assets | 10.1125% | 3,980 |
| Core capital (leverage) ratio | 8.2559% | 5,947 |
| Tier 1 risk-based capital ratio | 14.1070% | 4,394 |
| Total risk-based capital ratio | 15.1961% | 4,477 |
| Memoranda: | ||
| Average total assets | $188,030,000 | 3,259 |
| Average earning assets | $170,659,500 | 3,278 |
| Average equity | $19,402,000 | 3,297 |
| Average total loans | $100,314,500 | 3,590 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0803% | 2,527 |
| Cost of funding earning assets | 0.9383% | 3,803 |
| Net interest margin | 4.1420% | 2,259 |
| Noninterest income to average assets | 0.3935% | 4,671 |
| Noninterest expense to average assets | 3.6716% | 1,591 |
| Loan and lease loss provision to assets | 0.0669% | 5,773 |
| Net operating income to assets | 0.2558% | 5,413 |
| Return on assets (ROA) | 0.8573% | 2,937 |
| Pretax return on assets | 1.2698% | 2,239 |
| Return on Equity (ROE) | 7.8730% | 2,976 |
| Retained earnings to average equity (ytd only) | 2.5390% | 4,421 |
| Net charge-offs to loans | 0.2061% | 4,511 |
| Credit loss provision to net charge-offs | 56.3380% | 5,266 |
| Earnings coverage of net charge-offs (x) | 3.8075% | 3,379 |
| Efficiency ratio | 87.0235% | 1,435 |
| Assets per employee ($millions) | 3.0574% | 5,980 |
| Cash dividends to net income (ytd only)* | 67.7503% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 5,601 |
| Loan loss allowance to noncurrent loans | 136.4802% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 5,637 |
| Noncurrent loans to loans | 0.8465% | 4,994 |
| Net loans and leases to total assets | 54.6133% | 4,929 |
| Net loans and leases to deposits | 66.0248% | 4,725 |
| Net loans and leases to core deposits | 72.9533% | 4,384 |
| Total domestic deposits to total assets | 82.7164% | 4,871 |
| Equity capital to assets | 10.5350% | 3,493 |
| Core capital (leverage) ratio | 8.5107% | 5,537 |
| Tier 1 risk-based capital ratio | 14.1764% | 4,195 |
| Total risk-based capital ratio | 15.2680% | 4,267 |
| Memoranda: | ||
| Average total assets | $179,404,600 | 3,344 |
| Average earning assets | $161,565,400 | 3,374 |
| Average equity | $19,535,200 | 3,208 |
| Average total loans | $103,337,000 | 3,538 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1603% | 2,344 |
| Cost of funding earning assets | 0.9756% | 3,849 |
| Net interest margin | 4.1846% | 2,163 |
| Noninterest income to average assets | 0.3715% | 4,893 |
| Noninterest expense to average assets | 3.3894% | 2,216 |
| Loan and lease loss provision to assets | 0.0673% | 5,612 |
| Net operating income to assets | 0.4711% | 4,672 |
| Return on assets (ROA) | 1.0239% | 2,400 |
| Pretax return on assets | 1.4858% | 1,689 |
| Return on Equity (ROE) | 9.3254% | 2,455 |
| Retained earnings to average equity (ytd only) | 7.2697% | 1,825 |
| Net charge-offs to loans | 0.1579% | 4,512 |
| Credit loss provision to net charge-offs | 73.1707% | 4,377 |
| Earnings coverage of net charge-offs (x) | 8.1787% | 2,221 |
| Efficiency ratio | 80.8879% | 2,129 |
| Assets per employee ($millions) | 3.0609% | 5,987 |
| Cash dividends to net income (ytd only)* | 22.0440% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,567 |
| Loan loss allowance to noncurrent loans | 104.7660% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 5,382 |
| Noncurrent loans to loans | 1.1212% | 4,670 |
| Net loans and leases to total assets | 57.3472% | 4,615 |
| Net loans and leases to deposits | 70.1688% | 4,273 |
| Net loans and leases to core deposits | 78.3373% | 3,849 |
| Total domestic deposits to total assets | 81.7274% | 5,184 |
| Equity capital to assets | 11.3891% | 2,787 |
| Core capital (leverage) ratio | 8.9406% | 5,029 |
| Tier 1 risk-based capital ratio | 14.1819% | 4,215 |
| Total risk-based capital ratio | 15.2907% | 4,298 |
| Memoranda: | ||
| Average total assets | $178,394,250 | 3,375 |
| Average earning assets | $160,711,250 | 3,412 |
| Average equity | $19,587,500 | 3,205 |
| Average total loans | $103,832,000 | 3,547 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1892% | 2,300 |
| Cost of funding earning assets | 1.0065% | 3,909 |
| Net interest margin | 4.1827% | 2,108 |
| Noninterest income to average assets | 0.3501% | 5,089 |
| Noninterest expense to average assets | 3.3446% | 2,419 |
| Loan and lease loss provision to assets | 0.0675% | 5,462 |
| Net operating income to assets | 0.4950% | 4,522 |
| Return on assets (ROA) | 0.9355% | 2,595 |
| Pretax return on assets | 1.3284% | 2,047 |
| Return on Equity (ROE) | 8.6290% | 2,666 |
| Retained earnings to average equity (ytd only) | 7.2791% | 1,750 |
| Net charge-offs to loans | 0.0251% | 5,475 |
| Credit loss provision to net charge-offs | 461.5385% | 663 |
| Earnings coverage of net charge-offs (x) | 52.3846% | 607 |
| Efficiency ratio | 80.3122% | 2,336 |
| Assets per employee ($millions) | 2.9877% | 6,117 |
| Cash dividends to net income (ytd only)* | 15.6438% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 5,371 |
| Loan loss allowance to noncurrent loans | 95.4148% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 5,307 |
| Noncurrent loans to loans | 1.2982% | 4,479 |
| Net loans and leases to total assets | 58.3101% | 4,576 |
| Net loans and leases to deposits | 71.1483% | 4,266 |
| Net loans and leases to core deposits | 79.6296% | 3,840 |
| Total domestic deposits to total assets | 81.9557% | 5,182 |
| Equity capital to assets | 11.1461% | 2,819 |
| Core capital (leverage) ratio | 8.7346% | 5,169 |
| Tier 1 risk-based capital ratio | 13.4915% | 4,533 |
| Total risk-based capital ratio | 14.6442% | 4,603 |
| Memoranda: | ||
| Average total assets | $177,661,330 | 3,405 |
| Average earning assets | $159,755,000 | 3,450 |
| Average equity | $19,260,670 | 3,235 |
| Average total loans | $103,510,670 | 3,594 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1932% | 2,246 |
| Cost of funding earning assets | 1.0477% | 3,868 |
| Net interest margin | 4.1455% | 2,096 |
| Noninterest income to average assets | 0.3935% | 4,757 |
| Noninterest expense to average assets | 3.0329% | 3,512 |
| Loan and lease loss provision to assets | 0.0679% | 5,143 |
| Net operating income to assets | 0.7089% | 3,482 |
| Return on assets (ROA) | 0.9884% | 2,278 |
| Pretax return on assets | 1.4000% | 1,724 |
| Return on Equity (ROE) | 9.2484% | 2,367 |
| Retained earnings to average equity (ytd only) | 6.6453% | 2,305 |
| Net charge-offs to loans | 0.0469% | 4,472 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 39.5833% | 688 |
| Efficiency ratio | 72.7423% | 3,725 |
| Assets per employee ($millions) | 2.9823% | 6,175 |
| Cash dividends to net income (ytd only)* | 28.1465% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 5,414 |
| Loan loss allowance to noncurrent loans | 109.8543% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 5,426 |
| Noncurrent loans to loans | 1.1349% | 4,807 |
| Net loans and leases to total assets | 56.7493% | 4,860 |
| Net loans and leases to deposits | 68.6932% | 4,577 |
| Net loans and leases to core deposits | 78.0629% | 4,007 |
| Total domestic deposits to total assets | 82.6128% | 5,060 |
| Equity capital to assets | 10.7340% | 2,948 |
| Core capital (leverage) ratio | 8.5926% | 5,275 |
| Tier 1 risk-based capital ratio | 13.3114% | 4,563 |
| Total risk-based capital ratio | 14.4551% | 4,639 |
| Memoranda: | ||
| Average total assets | $176,860,000 | 3,435 |
| Average earning assets | $158,438,500 | 3,495 |
| Average equity | $18,900,500 | 3,268 |
| Average total loans | $102,346,000 | 3,659 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4344% | 2,527 |
| Cost of funding earning assets | 1.2193% | 4,427 |
| Net interest margin | 4.2150% | 2,125 |
| Noninterest income to average assets | 0.4082% | 4,839 |
| Noninterest expense to average assets | 3.3986% | 2,442 |
| Loan and lease loss provision to assets | 0.2529% | 4,771 |
| Net operating income to assets | 0.4511% | 4,311 |
| Return on assets (ROA) | 0.7531% | 3,111 |
| Pretax return on assets | 0.8836% | 3,363 |
| Return on Equity (ROE) | 6.7668% | 3,230 |
| Retained earnings to average equity (ytd only) | 2.1540% | 4,383 |
| Net charge-offs to loans | 0.1607% | 5,377 |
| Credit loss provision to net charge-offs | 257.3099% | 1,097 |
| Earnings coverage of net charge-offs (x) | 7.9474% | 2,038 |
| Efficiency ratio | 80.2366% | 2,383 |
| Assets per employee ($millions) | 2.9131% | 6,289 |
| Cash dividends to net income (ytd only)* | 68.1679% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 5,322 |
| Loan loss allowance to noncurrent loans | 148.0094% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 5,828 |
| Noncurrent loans to loans | 0.8384% | 5,377 |
| Net loans and leases to total assets | 57.5573% | 5,098 |
| Net loans and leases to deposits | 69.6312% | 4,859 |
| Net loans and leases to core deposits | 80.1065% | 4,197 |
| Total domestic deposits to total assets | 82.6603% | 4,944 |
| Equity capital to assets | 10.6383% | 3,033 |
| Core capital (leverage) ratio | 8.5336% | 5,298 |
| Tier 1 risk-based capital ratio | 13.1405% | 4,494 |
| Total risk-based capital ratio | 14.2792% | 4,539 |
| Memoranda: | ||
| Average total assets | $173,954,800 | 3,466 |
| Average earning assets | $155,657,400 | 3,529 |
| Average equity | $19,359,200 | 3,233 |
| Average total loans | $106,418,200 | 3,618 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4768% | 2,529 |
| Cost of funding earning assets | 1.2510% | 4,566 |
| Net interest margin | 4.2258% | 2,122 |
| Noninterest income to average assets | 0.3315% | 5,510 |
| Noninterest expense to average assets | 3.3611% | 2,397 |
| Loan and lease loss provision to assets | 0.1381% | 5,650 |
| Net operating income to assets | 0.4993% | 4,319 |
| Return on assets (ROA) | 0.8326% | 3,006 |
| Pretax return on assets | 1.0360% | 3,047 |
| Return on Equity (ROE) | 7.3995% | 3,154 |
| Retained earnings to average equity (ytd only) | 3.8805% | 3,734 |
| Net charge-offs to loans | 0.1562% | 5,066 |
| Credit loss provision to net charge-offs | 142.8571% | 2,754 |
| Earnings coverage of net charge-offs (x) | 7.8332% | 2,256 |
| Efficiency ratio | 80.5292% | 2,269 |
| Assets per employee ($millions) | 2.9048% | 6,363 |
| Cash dividends to net income (ytd only)* | 47.5574% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 6,418 |
| Loan loss allowance to noncurrent loans | 70.1672% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.9639% | 5,160 |
| Noncurrent loans to loans | 1.4166% | 4,493 |
| Net loans and leases to total assets | 59.9489% | 4,924 |
| Net loans and leases to deposits | 74.4572% | 4,434 |
| Net loans and leases to core deposits | 85.6916% | 3,701 |
| Total domestic deposits to total assets | 80.5147% | 5,539 |
| Equity capital to assets | 11.5122% | 2,524 |
| Core capital (leverage) ratio | 8.7451% | 5,112 |
| Tier 1 risk-based capital ratio | 12.3068% | 5,176 |
| Total risk-based capital ratio | 13.1850% | 5,496 |
| Memoranda: | ||
| Average total assets | $173,747,500 | 3,516 |
| Average earning assets | $155,707,000 | 3,578 |
| Average equity | $19,550,500 | 3,248 |
| Average total loans | $107,556,500 | 3,648 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4717% | 2,648 |
| Cost of funding earning assets | 1.2781% | 4,665 |
| Net interest margin | 4.1936% | 2,174 |
| Noninterest income to average assets | 0.4286% | 4,686 |
| Noninterest expense to average assets | 3.2218% | 2,827 |
| Loan and lease loss provision to assets | 0.1383% | 5,513 |
| Net operating income to assets | 0.6353% | 3,704 |
| Return on assets (ROA) | 0.9103% | 2,625 |
| Pretax return on assets | 1.1719% | 2,508 |
| Return on Equity (ROE) | 8.1530% | 2,829 |
| Retained earnings to average equity (ytd only) | 4.0971% | 3,474 |
| Net charge-offs to loans | 0.1866% | 4,494 |
| Credit loss provision to net charge-offs | 118.8119% | 3,421 |
| Earnings coverage of net charge-offs (x) | 8.2277% | 2,169 |
| Efficiency ratio | 76.0132% | 3,075 |
| Assets per employee ($millions) | 2.9436% | 6,264 |
| Cash dividends to net income (ytd only)* | 49.7468% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 6,596 |
| Loan loss allowance to noncurrent loans | 154.5732% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 5,823 |
| Noncurrent loans to loans | 0.6153% | 6,019 |
| Net loans and leases to total assets | 61.8506% | 4,715 |
| Net loans and leases to deposits | 75.2396% | 4,480 |
| Net loans and leases to core deposits | 87.9079% | 3,559 |
| Total domestic deposits to total assets | 82.2048% | 4,906 |
| Equity capital to assets | 11.4306% | 2,495 |
| Core capital (leverage) ratio | 8.7392% | 5,022 |
| Tier 1 risk-based capital ratio | 12.2632% | 5,066 |
| Total risk-based capital ratio | 13.1214% | 5,397 |
| Memoranda: | ||
| Average total assets | $173,568,330 | 3,542 |
| Average earning assets | $155,236,000 | 3,614 |
| Average equity | $19,379,330 | 3,257 |
| Average total loans | $108,231,670 | 3,676 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4285% | 2,903 |
| Cost of funding earning assets | 1.2781% | 4,945 |
| Net interest margin | 4.1505% | 2,231 |
| Noninterest income to average assets | 0.4412% | 4,554 |
| Noninterest expense to average assets | 3.3305% | 2,429 |
| Loan and lease loss provision to assets | 0.1372% | 5,191 |
| Net operating income to assets | 0.5550% | 4,111 |
| Return on assets (ROA) | 0.8183% | 2,979 |
| Pretax return on assets | 1.0218% | 3,004 |
| Return on Equity (ROE) | 7.4153% | 3,156 |
| Retained earnings to average equity (ytd only) | 1.8020% | 5,036 |
| Net charge-offs to loans | 0.6383% | 2,226 |
| Credit loss provision to net charge-offs | 34.4828% | 4,750 |
| Earnings coverage of net charge-offs (x) | 2.0862% | 3,496 |
| Efficiency ratio | 79.0110% | 2,720 |
| Assets per employee ($millions) | 3.0805% | 6,040 |
| Cash dividends to net income (ytd only)* | 75.6983% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8184% | 7,082 |
| Loan loss allowance to noncurrent loans | 79.7824% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8452% | 5,469 |
| Noncurrent loans to loans | 1.0258% | 5,280 |
| Net loans and leases to total assets | 61.8186% | 4,796 |
| Net loans and leases to deposits | 76.1772% | 4,379 |
| Net loans and leases to core deposits | 87.9456% | 3,631 |
| Total domestic deposits to total assets | 81.1510% | 5,401 |
| Equity capital to assets | 11.2180% | 2,568 |
| Core capital (leverage) ratio | 8.5036% | 5,366 |
| Tier 1 risk-based capital ratio | 11.8081% | 5,386 |
| Total risk-based capital ratio | 12.5429% | 5,829 |
| Memoranda: | ||
| Average total assets | $174,989,500 | 3,577 |
| Average earning assets | $156,801,000 | 3,632 |
| Average equity | $19,311,500 | 3,292 |
| Average total loans | $109,043,000 | 3,706 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8303% | 2,525 |
| Cost of funding earning assets | 1.4646% | 5,663 |
| Net interest margin | 4.3657% | 1,530 |
| Noninterest income to average assets | 0.3993% | 5,208 |
| Noninterest expense to average assets | 3.2949% | 3,023 |
| Loan and lease loss provision to assets | 0.3722% | 4,548 |
| Net operating income to assets | 0.4998% | 3,731 |
| Return on assets (ROA) | 0.7313% | 2,887 |
| Pretax return on assets | 0.9282% | 2,832 |
| Return on Equity (ROE) | 6.4810% | 3,001 |
| Retained earnings to average equity (ytd only) | 2.6552% | 3,291 |
| Net charge-offs to loans | 0.3281% | 4,592 |
| Credit loss provision to net charge-offs | 178.1609% | 2,343 |
| Earnings coverage of net charge-offs (x) | 4.8218% | 2,802 |
| Efficiency ratio | 75.4954% | 3,618 |
| Assets per employee ($millions) | 3.0598% | 6,069 |
| Cash dividends to net income (ytd only)* | 59.0312% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 6,810 |
| Loan loss allowance to noncurrent loans | 128.8860% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 5,917 |
| Noncurrent loans to loans | 0.6982% | 5,840 |
| Net loans and leases to total assets | 61.7391% | 5,044 |
| Net loans and leases to deposits | 79.2405% | 4,127 |
| Net loans and leases to core deposits | 102.1127% | 3,794 |
| Total domestic deposits to total assets | 77.9136% | 6,238 |
| Equity capital to assets | 10.8587% | 2,811 |
| Core capital (leverage) ratio | 8.2877% | 5,643 |
| Tier 1 risk-based capital ratio | 11.2286% | 5,683 |
| Total risk-based capital ratio | 12.0257% | 6,108 |
| Memoranda: | ||
| Average total assets | $166,561,400 | 3,663 |
| Average earning assets | $148,910,800 | 3,736 |
| Average equity | $18,793,400 | 3,375 |
| Average total loans | $106,075,400 | 3,773 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8633% | 2,612 |
| Cost of funding earning assets | 1.4963% | 5,836 |
| Net interest margin | 4.3669% | 1,540 |
| Noninterest income to average assets | 0.4744% | 4,715 |
| Noninterest expense to average assets | 3.2577% | 3,088 |
| Loan and lease loss provision to assets | 0.1587% | 5,763 |
| Net operating income to assets | 0.7186% | 3,138 |
| Return on assets (ROA) | 1.0409% | 1,993 |
| Pretax return on assets | 1.3876% | 1,733 |
| Return on Equity (ROE) | 9.1319% | 2,218 |
| Retained earnings to average equity (ytd only) | 4.8694% | 2,571 |
| Net charge-offs to loans | 0.1042% | 5,632 |
| Credit loss provision to net charge-offs | 237.8049% | 1,840 |
| Earnings coverage of net charge-offs (x) | 16.7318% | 1,452 |
| Efficiency ratio | 73.3953% | 3,980 |
| Assets per employee ($millions) | 3.1191% | 5,862 |
| Cash dividends to net income (ytd only)* | 46.6771% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 7,241 |
| Loan loss allowance to noncurrent loans | 106.6411% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 6,151 |
| Noncurrent loans to loans | 0.7098% | 5,883 |
| Net loans and leases to total assets | 63.8154% | 4,903 |
| Net loans and leases to deposits | 80.0746% | 4,373 |
| Net loans and leases to core deposits | 101.6104% | 4,200 |
| Total domestic deposits to total assets | 79.6949% | 5,560 |
| Equity capital to assets | 11.4691% | 2,618 |
| Core capital (leverage) ratio | 8.6661% | 5,193 |
| Tier 1 risk-based capital ratio | 11.6212% | 5,315 |
| Total risk-based capital ratio | 12.3064% | 5,853 |
| Memoranda: | ||
| Average total assets | $163,834,000 | 3,730 |
| Average earning assets | $146,308,750 | 3,791 |
| Average equity | $18,674,000 | 3,423 |
| Average total loans | $104,953,250 | 3,853 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8357% | 2,875 |
| Cost of funding earning assets | 1.5267% | 6,034 |
| Net interest margin | 4.3090% | 1,634 |
| Noninterest income to average assets | 0.4899% | 4,532 |
| Noninterest expense to average assets | 3.1799% | 3,391 |
| Loan and lease loss provision to assets | 0.1488% | 5,591 |
| Net operating income to assets | 0.7125% | 3,203 |
| Return on assets (ROA) | 1.1360% | 1,728 |
| Pretax return on assets | 1.6011% | 1,202 |
| Return on Equity (ROE) | 9.9889% | 2,026 |
| Retained earnings to average equity (ytd only) | 4.8200% | 2,624 |
| Net charge-offs to loans | 0.0756% | 5,451 |
| Credit loss provision to net charge-offs | 307.6923% | 1,510 |
| Earnings coverage of net charge-offs (x) | 23.8462% | 1,175 |
| Efficiency ratio | 72.2667% | 4,358 |
| Assets per employee ($millions) | 2.9409% | 6,289 |
| Cash dividends to net income (ytd only)* | 51.7467% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 7,301 |
| Loan loss allowance to noncurrent loans | 104.8240% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 6,212 |
| Noncurrent loans to loans | 0.7151% | 5,807 |
| Net loans and leases to total assets | 65.8172% | 4,600 |
| Net loans and leases to deposits | 80.3766% | 4,489 |
| Net loans and leases to core deposits | 97.3384% | 4,754 |
| Total domestic deposits to total assets | 81.8860% | 4,736 |
| Equity capital to assets | 11.4845% | 2,550 |
| Core capital (leverage) ratio | 8.9672% | 4,688 |
| Tier 1 risk-based capital ratio | 12.1186% | 4,828 |
| Total risk-based capital ratio | 12.8205% | 5,243 |
| Memoranda: | ||
| Average total assets | $161,262,670 | 3,800 |
| Average earning assets | $143,839,000 | 3,864 |
| Average equity | $18,340,330 | 3,501 |
| Average total loans | $103,168,000 | 3,934 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7920% | 3,342 |
| Cost of funding earning assets | 1.5806% | 6,114 |
| Net interest margin | 4.2113% | 1,855 |
| Noninterest income to average assets | 0.4596% | 4,684 |
| Noninterest expense to average assets | 3.2021% | 2,976 |
| Loan and lease loss provision to assets | 0.1118% | 5,535 |
| Net operating income to assets | 0.6128% | 3,964 |
| Return on assets (ROA) | 1.3290% | 1,417 |
| Pretax return on assets | 1.9451% | 735 |
| Return on Equity (ROE) | 11.7437% | 1,745 |
| Retained earnings to average equity (ytd only) | 4.0390% | 3,654 |
| Net charge-offs to loans | -0.0079% | 7,247 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0148% | 3,661 |
| Assets per employee ($millions) | 2.8506% | 6,528 |
| Cash dividends to net income (ytd only)* | 65.6075% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7488% | 7,311 |
| Loan loss allowance to noncurrent loans | 104.7619% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 5,952 |
| Noncurrent loans to loans | 0.7148% | 5,628 |
| Net loans and leases to total assets | 65.0940% | 4,795 |
| Net loans and leases to deposits | 78.9994% | 4,773 |
| Net loans and leases to core deposits | 95.5688% | 5,015 |
| Total domestic deposits to total assets | 82.3981% | 4,409 |
| Equity capital to assets | 11.7238% | 2,429 |
| Core capital (leverage) ratio | 8.6936% | 5,161 |
| Tier 1 risk-based capital ratio | 12.6044% | 4,470 |
| Total risk-based capital ratio | 13.3187% | 4,799 |
| Memoranda: | ||
| Average total assets | $161,020,000 | 3,816 |
| Average earning assets | $143,232,500 | 3,891 |
| Average equity | $18,222,500 | 3,533 |
| Average total loans | $101,121,000 | 4,003 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0590% | 5,253 |
| Cost of funding earning assets | 2.0448% | 6,262 |
| Net interest margin | 4.0142% | 3,053 |
| Noninterest income to average assets | 0.5158% | 4,505 |
| Noninterest expense to average assets | 3.0339% | 3,956 |
| Loan and lease loss provision to assets | 0.1428% | 5,527 |
| Net operating income to assets | 0.7512% | 3,662 |
| Return on assets (ROA) | 0.7976% | 3,285 |
| Pretax return on assets | 1.0721% | 3,127 |
| Return on Equity (ROE) | 7.6708% | 3,210 |
| Retained earnings to average equity (ytd only) | -14.0212% | 7,404 |
| Net charge-offs to loans | 0.0950% | 5,377 |
| Credit loss provision to net charge-offs | 253.5211% | 1,835 |
| Earnings coverage of net charge-offs (x) | 20.4507% | 1,571 |
| Efficiency ratio | 70.9953% | 4,137 |
| Assets per employee ($millions) | 2.8992% | 6,310 |
| Cash dividends to net income (ytd only)* | 282.7861% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 7,357 |
| Loan loss allowance to noncurrent loans | 95.3826% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 5,715 |
| Noncurrent loans to loans | 0.7625% | 5,128 |
| Net loans and leases to total assets | 59.7207% | 5,953 |
| Net loans and leases to deposits | 77.7905% | 5,369 |
| Net loans and leases to core deposits | 93.9280% | 5,451 |
| Total domestic deposits to total assets | 76.7712% | 6,044 |
| Equity capital to assets | 10.9309% | 3,100 |
| Core capital (leverage) ratio | 10.6704% | 2,847 |
| Tier 1 risk-based capital ratio | 12.3649% | 4,536 |
| Total risk-based capital ratio | 13.0315% | 4,906 |
| Memoranda: | ||
| Average total assets | $126,010,200 | 4,373 |
| Average earning assets | $115,216,400 | 4,381 |
| Average equity | $13,101,600 | 4,542 |
| Average total loans | $74,752,000 | 4,702 |