Home > VIKING BANK > Performance and Condition Ratios
VIKING BANK, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 1,770 |
| Cost of funding earning assets | 1.5918% | 1,710 |
| Net interest margin | 3.5487% | 2,070 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.2015% | 3,126 |
| Loan and lease loss provision to assets | 0.3900% | 250 |
| Net operating income to assets | 1.1833% | 1,687 |
| Return on assets (ROA) | 1.1994% | 1,629 |
| Pretax return on assets | 1.2002% | 2,139 |
| Return on Equity (ROE) | 9.4000% | 2,659 |
| Retained earnings to average equity (ytd only) | -0.3643% | 4,130 |
| Net charge-offs to loans | 0.4199% | 245 |
| Credit loss provision to net charge-offs | 117.7570% | 1,698 |
| Earnings coverage of net charge-offs (x) | 4.7850% | 2,564 |
| Efficiency ratio | 57.6007% | 3,336 |
| Assets per employee ($millions) | 7.2593% | 1,893 |
| Cash dividends to net income (ytd only)* | 103.8745% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 2,410 |
| Loan loss allowance to noncurrent loans | 142.8328% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 814 |
| Noncurrent loans to loans | 0.8256% | 933 |
| Net loans and leases to total assets | 78.3400% | 830 |
| Net loans and leases to deposits | 93.9468% | 945 |
| Net loans and leases to core deposits | 110.3610% | 948 |
| Total domestic deposits to total assets | 83.3900% | 2,784 |
| Equity capital to assets | 12.4385% | 998 |
| Core capital (leverage) ratio | 8.8845% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $260,371,400 | 2,619 |
| Average earning assets | $236,399,000 | 2,650 |
| Average equity | $33,210,600 | 2,132 |
| Average total loans | $203,855,800 | 2,262 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9960% | 1,832 |
| Cost of funding earning assets | 1.4126% | 1,837 |
| Net interest margin | 3.5834% | 2,047 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.2241% | 3,014 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.5257% | 1,071 |
| Return on assets (ROA) | 1.5371% | 1,035 |
| Pretax return on assets | 1.5381% | 1,489 |
| Return on Equity (ROE) | 11.9700% | 2,133 |
| Retained earnings to average equity (ytd only) | 1.2947% | 3,888 |
| Net charge-offs to loans | 0.0026% | 2,446 |
| Credit loss provision to net charge-offs | 2,950.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 769.5000% | 208 |
| Efficiency ratio | 57.3711% | 3,275 |
| Assets per employee ($millions) | 7.4794% | 1,642 |
| Cash dividends to net income (ytd only)* | 89.1874% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 2,422 |
| Loan loss allowance to noncurrent loans | 87.9445% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.0161% | 503 |
| Noncurrent loans to loans | 1.3510% | 562 |
| Net loans and leases to total assets | 74.3200% | 1,304 |
| Net loans and leases to deposits | 88.5238% | 1,341 |
| Net loans and leases to core deposits | 104.0278% | 1,119 |
| Total domestic deposits to total assets | 83.9500% | 2,790 |
| Equity capital to assets | 12.0027% | 1,038 |
| Core capital (leverage) ratio | 9.1275% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $258,316,000 | 2,638 |
| Average earning assets | $234,929,000 | 2,666 |
| Average equity | $33,161,000 | 2,118 |
| Average total loans | $201,586,500 | 2,277 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 1,808 |
| Cost of funding earning assets | 1.2065% | 1,968 |
| Net interest margin | 3.6743% | 1,869 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.2984% | 2,811 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.5005% | 1,100 |
| Return on assets (ROA) | 1.5132% | 1,073 |
| Pretax return on assets | 1.5148% | 1,568 |
| Return on Equity (ROE) | 11.5100% | 2,294 |
| Retained earnings to average equity (ytd only) | -0.7664% | 4,190 |
| Net charge-offs to loans | 0.0060% | 2,028 |
| Credit loss provision to net charge-offs | 833.3333% | 463 |
| Earnings coverage of net charge-offs (x) | 327.3333% | 424 |
| Efficiency ratio | 58.3505% | 3,154 |
| Assets per employee ($millions) | 7.0801% | 1,865 |
| Cash dividends to net income (ytd only)* | 106.6562% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 2,701 |
| Loan loss allowance to noncurrent loans | 85.3641% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 394 |
| Noncurrent loans to loans | 1.3501% | 525 |
| Net loans and leases to total assets | 80.8600% | 535 |
| Net loans and leases to deposits | 97.9200% | 611 |
| Net loans and leases to core deposits | 116.1400% | 623 |
| Total domestic deposits to total assets | 82.5800% | 3,124 |
| Equity capital to assets | 12.9954% | 814 |
| Core capital (leverage) ratio | 9.5172% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $252,175,667 | 2,680 |
| Average earning assets | $229,429,000 | 2,703 |
| Average equity | $33,142,667 | 2,137 |
| Average total loans | $199,403,667 | 2,291 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 1,968 |
| Cost of funding earning assets | 0.8925% | 2,393 |
| Net interest margin | 3.7576% | 1,771 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.1854% | 3,135 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.6542% | 896 |
| Return on assets (ROA) | 1.6718% | 867 |
| Pretax return on assets | 1.6749% | 1,330 |
| Return on Equity (ROE) | 12.6400% | 2,066 |
| Retained earnings to average equity (ytd only) | -3.8368% | 4,280 |
| Net charge-offs to loans | 0.0164% | 1,361 |
| Credit loss provision to net charge-offs | 475.0000% | 569 |
| Earnings coverage of net charge-offs (x) | 134.8750% | 649 |
| Efficiency ratio | 54.7162% | 3,532 |
| Assets per employee ($millions) | 7.0867% | 1,913 |
| Cash dividends to net income (ytd only)* | 130.3435% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,274 |
| Loan loss allowance to noncurrent loans | 755.6886% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 2,549 |
| Noncurrent loans to loans | 0.1658% | 2,665 |
| Net loans and leases to total assets | 80.1800% | 522 |
| Net loans and leases to deposits | 98.6440% | 507 |
| Net loans and leases to core deposits | 109.2319% | 727 |
| Total domestic deposits to total assets | 81.2900% | 3,592 |
| Equity capital to assets | 13.3323% | 691 |
| Core capital (leverage) ratio | 9.7945% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $250,755,000 | 2,729 |
| Average earning assets | $228,121,500 | 2,752 |
| Average equity | $33,152,500 | 2,160 |
| Average total loans | $194,853,000 | 2,340 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 1,579 |
| Cost of funding earning assets | 0.4113% | 2,002 |
| Net interest margin | 3.6416% | 1,516 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.2610% | 2,862 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5300% | 823 |
| Return on assets (ROA) | 1.5316% | 792 |
| Pretax return on assets | 1.5324% | 1,356 |
| Return on Equity (ROE) | 11.5000% | 2,306 |
| Retained earnings to average equity (ytd only) | 2.8311% | 3,769 |
| Net charge-offs to loans | 0.0343% | 1,396 |
| Credit loss provision to net charge-offs | 188.7097% | 1,159 |
| Earnings coverage of net charge-offs (x) | 63.4194% | 1,213 |
| Efficiency ratio | 57.6356% | 3,394 |
| Assets per employee ($millions) | 7.6810% | 1,500 |
| Cash dividends to net income (ytd only)* | 75.3733% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 1,789 |
| Loan loss allowance to noncurrent loans | 1,304.7120% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,018 |
| Noncurrent loans to loans | 0.1014% | 3,041 |
| Net loans and leases to total assets | 73.3000% | 1,280 |
| Net loans and leases to deposits | 86.1765% | 1,301 |
| Net loans and leases to core deposits | 91.2379% | 1,442 |
| Total domestic deposits to total assets | 85.0600% | 2,981 |
| Equity capital to assets | 13.1122% | 682 |
| Core capital (leverage) ratio | 9.6466% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $249,221,400 | 2,736 |
| Average earning assets | $227,317,000 | 2,755 |
| Average equity | $33,202,600 | 2,189 |
| Average total loans | $180,919,400 | 2,364 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8632% | 1,571 |
| Cost of funding earning assets | 0.3274% | 1,882 |
| Net interest margin | 3.5358% | 1,559 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.1959% | 2,948 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.4469% | 962 |
| Return on assets (ROA) | 1.4447% | 945 |
| Pretax return on assets | 1.4464% | 1,571 |
| Return on Equity (ROE) | 10.8000% | 2,467 |
| Retained earnings to average equity (ytd only) | 3.5708% | 3,594 |
| Net charge-offs to loans | 0.0454% | 1,033 |
| Credit loss provision to net charge-offs | 126.2295% | 1,192 |
| Earnings coverage of net charge-offs (x) | 45.4590% | 1,328 |
| Efficiency ratio | 58.2507% | 3,358 |
| Assets per employee ($millions) | 7.1916% | 1,818 |
| Cash dividends to net income (ytd only)* | 66.9394% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 2,021 |
| Loan loss allowance to noncurrent loans | 1,066.5217% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 3,004 |
| Noncurrent loans to loans | 0.1220% | 3,033 |
| Net loans and leases to total assets | 76.0900% | 903 |
| Net loans and leases to deposits | 89.7547% | 907 |
| Net loans and leases to core deposits | 93.7778% | 1,109 |
| Total domestic deposits to total assets | 84.7800% | 3,337 |
| Equity capital to assets | 13.4259% | 626 |
| Core capital (leverage) ratio | 9.8362% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $248,158,250 | 2,760 |
| Average earning assets | $226,405,500 | 2,782 |
| Average equity | $33,194,250 | 2,221 |
| Average total loans | $179,074,750 | 2,384 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6647% | 1,636 |
| Cost of funding earning assets | 0.3107% | 1,615 |
| Net interest margin | 3.3539% | 1,743 |
| Noninterest income to average assets | 0.4451% | 2,482 |
| Noninterest expense to average assets | 2.1975% | 2,869 |
| Loan and lease loss provision to assets | 0.0257% | 2,141 |
| Net operating income to assets | 1.2840% | 1,185 |
| Return on assets (ROA) | 1.2848% | 1,166 |
| Pretax return on assets | 1.2872% | 1,786 |
| Return on Equity (ROE) | 9.6169% | 2,481 |
| Retained earnings to average equity (ytd only) | 3.4578% | 3,289 |
| Net charge-offs to loans | -0.0023% | 3,155 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2203% | 3,150 |
| Assets per employee ($millions) | 7.6178% | 1,537 |
| Cash dividends to net income (ytd only)* | 64.0449% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,961 |
| Loan loss allowance to noncurrent loans | 922.0149% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 2,939 |
| Noncurrent loans to loans | 0.1463% | 2,967 |
| Net loans and leases to total assets | 74.1443% | 905 |
| Net loans and leases to deposits | 87.7336% | 853 |
| Net loans and leases to core deposits | 90.6819% | 1,079 |
| Total domestic deposits to total assets | 84.5107% | 3,587 |
| Equity capital to assets | 13.5830% | 573 |
| Core capital (leverage) ratio | 9.7691% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,373,333 | 2,782 |
| Average earning assets | $227,851,000 | 2,809 |
| Average equity | $33,316,333 | 2,261 |
| Average total loans | $175,929,667 | 2,410 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 1,636 |
| Cost of funding earning assets | 0.3392% | 1,297 |
| Net interest margin | 3.2169% | 1,829 |
| Noninterest income to average assets | 0.4616% | 2,346 |
| Noninterest expense to average assets | 2.0858% | 3,195 |
| Loan and lease loss provision to assets | 0.0254% | 1,907 |
| Net operating income to assets | 1.2943% | 1,016 |
| Return on assets (ROA) | 1.3070% | 977 |
| Pretax return on assets | 1.3118% | 1,469 |
| Return on Equity (ROE) | 9.8627% | 2,013 |
| Retained earnings to average equity (ytd only) | 3.8541% | 2,991 |
| Net charge-offs to loans | -0.0023% | 3,134 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7674% | 3,508 |
| Assets per employee ($millions) | 7.6779% | 1,568 |
| Cash dividends to net income (ytd only)* | 60.9223% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 1,989 |
| Loan loss allowance to noncurrent loans | 296.3768% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 1,761 |
| Noncurrent loans to loans | 0.4656% | 1,860 |
| Net loans and leases to total assets | 71.3789% | 887 |
| Net loans and leases to deposits | 84.4735% | 858 |
| Net loans and leases to core deposits | 87.7409% | 1,035 |
| Total domestic deposits to total assets | 84.4985% | 3,658 |
| Equity capital to assets | 13.5112% | 600 |
| Core capital (leverage) ratio | 9.3729% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,176,000 | 2,772 |
| Average earning assets | $231,153,000 | 2,796 |
| Average equity | $33,419,000 | 2,311 |
| Average total loans | $172,289,000 | 2,438 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 1,514 |
| Cost of funding earning assets | 0.4865% | 984 |
| Net interest margin | 3.4552% | 1,867 |
| Noninterest income to average assets | 0.7336% | 1,652 |
| Noninterest expense to average assets | 2.1219% | 3,330 |
| Loan and lease loss provision to assets | 0.0263% | 2,535 |
| Net operating income to assets | 1.6425% | 720 |
| Return on assets (ROA) | 1.6486% | 745 |
| Pretax return on assets | 1.7726% | 973 |
| Return on Equity (ROE) | 11.8771% | 1,859 |
| Retained earnings to average equity (ytd only) | -0.0946% | 4,509 |
| Net charge-offs to loans | 0.0092% | 2,230 |
| Credit loss provision to net charge-offs | 426.6667% | 882 |
| Earnings coverage of net charge-offs (x) | 291.0667% | 418 |
| Efficiency ratio | 52.9418% | 4,040 |
| Assets per employee ($millions) | 8.6220% | 1,043 |
| Cash dividends to net income (ytd only)* | 100.7968% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4615% | 1,691 |
| Loan loss allowance to noncurrent loans | 352.1676% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 2,210 |
| Noncurrent loans to loans | 0.4150% | 2,111 |
| Net loans and leases to total assets | 63.5253% | 1,759 |
| Net loans and leases to deposits | 75.1765% | 1,627 |
| Net loans and leases to core deposits | 79.7258% | 1,617 |
| Total domestic deposits to total assets | 84.5016% | 3,423 |
| Equity capital to assets | 13.0063% | 896 |
| Core capital (leverage) ratio | 9.2596% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,601,400 | 2,772 |
| Average earning assets | $224,241,000 | 2,782 |
| Average equity | $33,813,000 | 2,338 |
| Average total loans | $162,187,400 | 2,525 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 1,383 |
| Cost of funding earning assets | 0.5108% | 996 |
| Net interest margin | 3.5547% | 1,719 |
| Noninterest income to average assets | 0.5359% | 2,474 |
| Noninterest expense to average assets | 2.0619% | 3,482 |
| Loan and lease loss provision to assets | 0.0267% | 2,465 |
| Net operating income to assets | 1.7150% | 801 |
| Return on assets (ROA) | 1.7211% | 823 |
| Pretax return on assets | 1.7222% | 1,352 |
| Return on Equity (ROE) | 12.1926% | 1,981 |
| Retained earnings to average equity (ytd only) | 0.0945% | 4,548 |
| Net charge-offs to loans | 0.0132% | 1,835 |
| Credit loss provision to net charge-offs | 300.0000% | 1,006 |
| Earnings coverage of net charge-offs (x) | 195.9375% | 562 |
| Efficiency ratio | 52.8638% | 3,934 |
| Assets per employee ($millions) | 8.5164% | 1,043 |
| Cash dividends to net income (ytd only)* | 99.2248% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 1,724 |
| Loan loss allowance to noncurrent loans | 399.3399% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 2,557 |
| Noncurrent loans to loans | 0.3696% | 2,459 |
| Net loans and leases to total assets | 65.4109% | 1,608 |
| Net loans and leases to deposits | 78.7830% | 1,404 |
| Net loans and leases to core deposits | 83.6553% | 1,454 |
| Total domestic deposits to total assets | 83.0268% | 3,699 |
| Equity capital to assets | 13.6725% | 815 |
| Core capital (leverage) ratio | 9.4822% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,837,000 | 2,817 |
| Average earning assets | $220,549,250 | 2,832 |
| Average equity | $33,855,750 | 2,371 |
| Average total loans | $161,046,500 | 2,571 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 1,282 |
| Cost of funding earning assets | 0.5373% | 1,004 |
| Net interest margin | 3.5987% | 1,597 |
| Noninterest income to average assets | 0.5256% | 2,505 |
| Noninterest expense to average assets | 2.0231% | 3,625 |
| Loan and lease loss provision to assets | 0.0270% | 2,438 |
| Net operating income to assets | 1.7797% | 747 |
| Return on assets (ROA) | 1.7890% | 774 |
| Pretax return on assets | 1.7906% | 1,260 |
| Return on Equity (ROE) | 12.5365% | 1,874 |
| Retained earnings to average equity (ytd only) | 1.0152% | 4,337 |
| Net charge-offs to loans | 0.0150% | 1,646 |
| Credit loss provision to net charge-offs | 266.6667% | 943 |
| Earnings coverage of net charge-offs (x) | 178.9167% | 531 |
| Efficiency ratio | 51.4619% | 4,100 |
| Assets per employee ($millions) | 7.3948% | 1,536 |
| Cash dividends to net income (ytd only)* | 91.9021% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,618 |
| Loan loss allowance to noncurrent loans | 686.0399% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 3,258 |
| Noncurrent loans to loans | 0.2174% | 3,178 |
| Net loans and leases to total assets | 67.2242% | 1,552 |
| Net loans and leases to deposits | 81.4400% | 1,282 |
| Net loans and leases to core deposits | 87.0609% | 1,342 |
| Total domestic deposits to total assets | 82.5444% | 3,804 |
| Equity capital to assets | 14.3385% | 651 |
| Core capital (leverage) ratio | 9.4608% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,457,000 | 2,825 |
| Average earning assets | $218,133,333 | 2,844 |
| Average equity | $33,885,000 | 2,362 |
| Average total loans | $160,072,000 | 2,593 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 1,514 |
| Cost of funding earning assets | 0.5436% | 1,147 |
| Net interest margin | 3.5048% | 1,808 |
| Noninterest income to average assets | 0.5045% | 2,590 |
| Noninterest expense to average assets | 1.9624% | 3,828 |
| Loan and lease loss provision to assets | 0.0269% | 2,430 |
| Net operating income to assets | 1.7321% | 894 |
| Return on assets (ROA) | 1.7354% | 937 |
| Pretax return on assets | 1.7388% | 1,416 |
| Return on Equity (ROE) | 12.1905% | 1,949 |
| Retained earnings to average equity (ytd only) | 0.9568% | 4,226 |
| Net charge-offs to loans | -0.0176% | 3,930 |
| Credit loss provision to net charge-offs | -228.5714% | 2,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3318% | 4,059 |
| Assets per employee ($millions) | 7.6721% | 1,362 |
| Cash dividends to net income (ytd only)* | 92.1512% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 1,549 |
| Loan loss allowance to noncurrent loans | 283.5294% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 2,414 |
| Noncurrent loans to loans | 0.5349% | 2,247 |
| Net loans and leases to total assets | 63.7492% | 2,079 |
| Net loans and leases to deposits | 77.4447% | 1,765 |
| Net loans and leases to core deposits | 81.7547% | 1,860 |
| Total domestic deposits to total assets | 82.3157% | 3,830 |
| Equity capital to assets | 13.7597% | 727 |
| Core capital (leverage) ratio | 9.6257% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,868,000 | 2,812 |
| Average earning assets | $218,558,000 | 2,832 |
| Average equity | $33,862,500 | 2,358 |
| Average total loans | $159,366,000 | 2,608 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 1,829 |
| Cost of funding earning assets | 0.7492% | 1,452 |
| Net interest margin | 3.5650% | 2,259 |
| Noninterest income to average assets | 0.6444% | 2,051 |
| Noninterest expense to average assets | 2.0920% | 3,945 |
| Loan and lease loss provision to assets | 0.3160% | 1,180 |
| Net operating income to assets | 1.5010% | 809 |
| Return on assets (ROA) | 1.5010% | 883 |
| Pretax return on assets | 1.5019% | 1,322 |
| Return on Equity (ROE) | 10.1684% | 1,950 |
| Retained earnings to average equity (ytd only) | 2.6908% | 3,512 |
| Net charge-offs to loans | 0.0603% | 1,912 |
| Credit loss provision to net charge-offs | 716.0000% | 984 |
| Earnings coverage of net charge-offs (x) | 41.1900% | 1,358 |
| Efficiency ratio | 52.1391% | 4,374 |
| Assets per employee ($millions) | 6.7715% | 1,727 |
| Cash dividends to net income (ytd only)* | 73.5372% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,604 |
| Loan loss allowance to noncurrent loans | 449.7175% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 3,134 |
| Noncurrent loans to loans | 0.3323% | 3,016 |
| Net loans and leases to total assets | 68.3777% | 1,779 |
| Net loans and leases to deposits | 84.6763% | 1,390 |
| Net loans and leases to core deposits | 90.0143% | 1,524 |
| Total domestic deposits to total assets | 80.7519% | 3,918 |
| Equity capital to assets | 14.7435% | 621 |
| Core capital (leverage) ratio | 9.9596% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,575,400 | 2,751 |
| Average earning assets | $207,543,800 | 2,764 |
| Average equity | $33,446,800 | 2,319 |
| Average total loans | $165,896,600 | 2,519 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,011 |
| Cost of funding earning assets | 0.7884% | 1,552 |
| Net interest margin | 3.5450% | 2,439 |
| Noninterest income to average assets | 0.5832% | 2,236 |
| Noninterest expense to average assets | 2.0945% | 3,959 |
| Loan and lease loss provision to assets | 0.3399% | 1,135 |
| Net operating income to assets | 1.3944% | 1,115 |
| Return on assets (ROA) | 1.3944% | 1,213 |
| Pretax return on assets | 1.3956% | 1,755 |
| Return on Equity (ROE) | 9.4428% | 2,234 |
| Retained earnings to average equity (ytd only) | 2.3687% | 3,793 |
| Net charge-offs to loans | 0.0852% | 1,460 |
| Credit loss provision to net charge-offs | 537.3832% | 1,234 |
| Earnings coverage of net charge-offs (x) | 27.4486% | 1,666 |
| Efficiency ratio | 53.2860% | 4,224 |
| Assets per employee ($millions) | 6.7442% | 1,655 |
| Cash dividends to net income (ytd only)* | 74.9153% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 1,993 |
| Loan loss allowance to noncurrent loans | 288.2883% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 2,666 |
| Noncurrent loans to loans | 0.4654% | 2,662 |
| Net loans and leases to total assets | 67.8358% | 2,269 |
| Net loans and leases to deposits | 83.0049% | 2,019 |
| Net loans and leases to core deposits | 88.2807% | 2,118 |
| Total domestic deposits to total assets | 81.7251% | 3,487 |
| Equity capital to assets | 13.8612% | 897 |
| Core capital (leverage) ratio | 9.7936% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,661,750 | 2,730 |
| Average earning assets | $206,670,500 | 2,753 |
| Average equity | $33,322,500 | 2,313 |
| Average total loans | $167,417,250 | 2,512 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 1,863 |
| Cost of funding earning assets | 0.8467% | 1,615 |
| Net interest margin | 3.6712% | 2,265 |
| Noninterest income to average assets | 0.5383% | 2,403 |
| Noninterest expense to average assets | 2.0950% | 4,043 |
| Loan and lease loss provision to assets | 0.3173% | 1,346 |
| Net operating income to assets | 1.4794% | 958 |
| Return on assets (ROA) | 1.4794% | 1,043 |
| Pretax return on assets | 1.4812% | 1,497 |
| Return on Equity (ROE) | 9.7977% | 2,050 |
| Retained earnings to average equity (ytd only) | 2.7641% | 3,478 |
| Net charge-offs to loans | 0.0036% | 2,856 |
| Credit loss provision to net charge-offs | 11,633.3333% | 102 |
| Earnings coverage of net charge-offs (x) | 659.3333% | 151 |
| Efficiency ratio | 52.3821% | 4,331 |
| Assets per employee ($millions) | 6.9030% | 1,503 |
| Cash dividends to net income (ytd only)* | 71.7886% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,353 |
| Loan loss allowance to noncurrent loans | 354.6064% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 3,005 |
| Noncurrent loans to loans | 0.3467% | 3,158 |
| Net loans and leases to total assets | 76.9879% | 1,002 |
| Net loans and leases to deposits | 95.9296% | 799 |
| Net loans and leases to core deposits | 103.3824% | 1,043 |
| Total domestic deposits to total assets | 80.2546% | 3,784 |
| Equity capital to assets | 15.1691% | 594 |
| Core capital (leverage) ratio | 10.1847% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,951,667 | 2,756 |
| Average earning assets | $201,026,000 | 2,770 |
| Average equity | $33,212,000 | 2,310 |
| Average total loans | $167,576,333 | 2,491 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 2,068 |
| Cost of funding earning assets | 0.9136% | 1,798 |
| Net interest margin | 3.6643% | 2,453 |
| Noninterest income to average assets | 0.4884% | 2,611 |
| Noninterest expense to average assets | 2.0430% | 4,321 |
| Loan and lease loss provision to assets | 0.2260% | 1,373 |
| Net operating income to assets | 1.5637% | 674 |
| Return on assets (ROA) | 1.5637% | 742 |
| Pretax return on assets | 1.5673% | 1,135 |
| Return on Equity (ROE) | 10.3799% | 1,620 |
| Retained earnings to average equity (ytd only) | 3.5204% | 2,883 |
| Net charge-offs to loans | -0.0024% | 3,684 |
| Credit loss provision to net charge-offs | -12,400.0000% | 3,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8290% | 4,558 |
| Assets per employee ($millions) | 6.3121% | 1,454 |
| Cash dividends to net income (ytd only)* | 66.0839% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 2,862 |
| Loan loss allowance to noncurrent loans | 204.8596% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 2,742 |
| Noncurrent loans to loans | 0.5680% | 2,575 |
| Net loans and leases to total assets | 75.0736% | 1,448 |
| Net loans and leases to deposits | 96.3215% | 878 |
| Net loans and leases to core deposits | 104.0115% | 1,185 |
| Total domestic deposits to total assets | 77.9407% | 4,229 |
| Equity capital to assets | 15.4884% | 678 |
| Core capital (leverage) ratio | 10.1179% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,479,000 | 2,713 |
| Average earning assets | $200,531,500 | 2,736 |
| Average equity | $33,064,000 | 2,300 |
| Average total loans | $165,274,000 | 2,484 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5783% | 2,688 |
| Cost of funding earning assets | 0.8636% | 2,363 |
| Net interest margin | 3.7146% | 2,769 |
| Noninterest income to average assets | 0.3444% | 3,649 |
| Noninterest expense to average assets | 2.2043% | 4,150 |
| Loan and lease loss provision to assets | 0.2495% | 736 |
| Net operating income to assets | 1.2683% | 1,812 |
| Return on assets (ROA) | 1.2683% | 1,891 |
| Pretax return on assets | 1.2693% | 2,612 |
| Return on Equity (ROE) | 8.3138% | 3,035 |
| Retained earnings to average equity (ytd only) | -0.1638% | 4,726 |
| Net charge-offs to loans | 0.0928% | 1,802 |
| Credit loss provision to net charge-offs | 352.2876% | 790 |
| Earnings coverage of net charge-offs (x) | 21.4444% | 1,889 |
| Efficiency ratio | 57.7023% | 4,013 |
| Assets per employee ($millions) | 6.4099% | 1,345 |
| Cash dividends to net income (ytd only)* | 101.9708% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 3,177 |
| Loan loss allowance to noncurrent loans | 173.7255% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 2,584 |
| Noncurrent loans to loans | 0.6088% | 2,360 |
| Net loans and leases to total assets | 73.8868% | 1,774 |
| Net loans and leases to deposits | 93.0646% | 1,247 |
| Net loans and leases to core deposits | 100.2231% | 1,544 |
| Total domestic deposits to total assets | 79.3930% | 4,102 |
| Equity capital to assets | 14.6595% | 879 |
| Core capital (leverage) ratio | 9.9778% | 3,544 |
| Tier 1 risk-based capital ratio | 12.0444% | 4,338 |
| Total risk-based capital ratio | 13.0657% | 4,338 |
| Memoranda: | ||
| Average total assets | $216,032,200 | 2,700 |
| Average earning assets | $196,494,000 | 2,737 |
| Average equity | $32,957,200 | 2,242 |
| Average total loans | $164,848,600 | 2,462 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 2,778 |
| Cost of funding earning assets | 0.8928% | 2,264 |
| Net interest margin | 3.6913% | 2,949 |
| Noninterest income to average assets | 0.3152% | 3,867 |
| Noninterest expense to average assets | 2.0025% | 4,546 |
| Loan and lease loss provision to assets | 0.2807% | 538 |
| Net operating income to assets | 1.3946% | 1,489 |
| Return on assets (ROA) | 1.3946% | 1,551 |
| Pretax return on assets | 1.3961% | 2,327 |
| Return on Equity (ROE) | 8.7209% | 2,998 |
| Retained earnings to average equity (ytd only) | -1.1235% | 4,870 |
| Net charge-offs to loans | -0.0009% | 3,996 |
| Credit loss provision to net charge-offs | -37,500.0000% | 4,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4252% | 4,340 |
| Assets per employee ($millions) | 6.8746% | 1,082 |
| Cash dividends to net income (ytd only)* | 112.8824% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,608 |
| Loan loss allowance to noncurrent loans | 301.7331% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 3,298 |
| Noncurrent loans to loans | 0.3915% | 3,140 |
| Net loans and leases to total assets | 78.4543% | 1,064 |
| Net loans and leases to deposits | 102.9822% | 452 |
| Net loans and leases to core deposits | 113.1070% | 790 |
| Total domestic deposits to total assets | 76.1824% | 4,628 |
| Equity capital to assets | 15.3474% | 764 |
| Core capital (leverage) ratio | 10.8109% | 2,825 |
| Tier 1 risk-based capital ratio | 12.8008% | 3,955 |
| Total risk-based capital ratio | 14.0014% | 3,877 |
| Memoranda: | ||
| Average total assets | $178,108,250 | 3,066 |
| Average earning assets | $162,323,000 | 3,095 |
| Average equity | $28,482,750 | 2,489 |
| Average total loans | $142,176,500 | 2,725 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 3,007 |
| Cost of funding earning assets | 0.8713% | 2,291 |
| Net interest margin | 3.6320% | 3,155 |
| Noninterest income to average assets | 0.3257% | 3,760 |
| Noninterest expense to average assets | 2.0238% | 4,566 |
| Loan and lease loss provision to assets | 0.1424% | 1,305 |
| Net operating income to assets | 1.4567% | 1,276 |
| Return on assets (ROA) | 1.4567% | 1,331 |
| Pretax return on assets | 1.4589% | 1,999 |
| Return on Equity (ROE) | 8.9813% | 2,861 |
| Retained earnings to average equity (ytd only) | -1.2921% | 4,858 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8278% | 4,267 |
| Assets per employee ($millions) | 6.4608% | 1,258 |
| Cash dividends to net income (ytd only)* | 114.3862% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,441 |
| Loan loss allowance to noncurrent loans | 307.4227% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 3,450 |
| Noncurrent loans to loans | 0.3351% | 3,340 |
| Net loans and leases to total assets | 82.1063% | 596 |
| Net loans and leases to deposits | 109.0298% | 241 |
| Net loans and leases to core deposits | 120.1135% | 544 |
| Total domestic deposits to total assets | 75.3063% | 4,742 |
| Equity capital to assets | 16.3459% | 563 |
| Core capital (leverage) ratio | 11.5597% | 2,119 |
| Tier 1 risk-based capital ratio | 12.4302% | 4,169 |
| Total risk-based capital ratio | 13.4256% | 4,197 |
| Memoranda: | ||
| Average total assets | $175,606,000 | 3,104 |
| Average earning assets | $159,526,330 | 3,135 |
| Average equity | $28,481,330 | 2,484 |
| Average total loans | $140,447,330 | 2,759 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 2,984 |
| Cost of funding earning assets | 0.8532% | 2,254 |
| Net interest margin | 3.6123% | 3,210 |
| Noninterest income to average assets | 0.3110% | 3,787 |
| Noninterest expense to average assets | 2.0319% | 4,587 |
| Loan and lease loss provision to assets | 0.1135% | 1,563 |
| Net operating income to assets | 1.4484% | 1,241 |
| Return on assets (ROA) | 1.4484% | 1,271 |
| Pretax return on assets | 1.4530% | 1,908 |
| Return on Equity (ROE) | 8.9654% | 2,826 |
| Retained earnings to average equity (ytd only) | -2.6278% | 4,791 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4669% | 4,271 |
| Assets per employee ($millions) | 6.2019% | 1,402 |
| Cash dividends to net income (ytd only)* | 129.3103% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,578 |
| Loan loss allowance to noncurrent loans | 320.3620% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 3,495 |
| Noncurrent loans to loans | 0.3185% | 3,427 |
| Net loans and leases to total assets | 79.0934% | 976 |
| Net loans and leases to deposits | 104.6836% | 372 |
| Net loans and leases to core deposits | 114.0319% | 742 |
| Total domestic deposits to total assets | 75.5547% | 4,812 |
| Equity capital to assets | 16.3683% | 519 |
| Core capital (leverage) ratio | 11.2199% | 2,371 |
| Tier 1 risk-based capital ratio | 13.0312% | 3,866 |
| Total risk-based capital ratio | 14.0224% | 3,895 |
| Memoranda: | ||
| Average total assets | $176,188,500 | 3,129 |
| Average earning assets | $160,342,000 | 3,163 |
| Average equity | $28,465,000 | 2,487 |
| Average total loans | $138,312,000 | 2,810 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 3,041 |
| Cost of funding earning assets | 0.7308% | 1,897 |
| Net interest margin | 3.5896% | 3,416 |
| Noninterest income to average assets | 0.3385% | 3,851 |
| Noninterest expense to average assets | 2.0594% | 4,636 |
| Loan and lease loss provision to assets | 0.0575% | 3,014 |
| Net operating income to assets | 1.4783% | 1,178 |
| Return on assets (ROA) | 1.4783% | 1,171 |
| Pretax return on assets | 1.4795% | 1,845 |
| Return on Equity (ROE) | 9.0787% | 2,954 |
| Retained earnings to average equity (ytd only) | 0.3777% | 4,885 |
| Net charge-offs to loans | -0.0050% | 4,353 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2639% | 4,254 |
| Assets per employee ($millions) | 6.3830% | 1,274 |
| Cash dividends to net income (ytd only)* | 95.8398% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 3,757 |
| Loan loss allowance to noncurrent loans | 326.7943% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 3,524 |
| Noncurrent loans to loans | 0.3032% | 3,465 |
| Net loans and leases to total assets | 76.3714% | 1,546 |
| Net loans and leases to deposits | 102.2144% | 572 |
| Net loans and leases to core deposits | 110.5770% | 967 |
| Total domestic deposits to total assets | 74.7169% | 4,900 |
| Equity capital to assets | 15.9497% | 541 |
| Core capital (leverage) ratio | 11.4038% | 2,175 |
| Tier 1 risk-based capital ratio | 12.7731% | 3,979 |
| Total risk-based capital ratio | 13.7010% | 4,042 |
| Memoranda: | ||
| Average total assets | $173,982,400 | 3,123 |
| Average earning assets | $157,900,600 | 3,160 |
| Average equity | $28,330,200 | 2,440 |
| Average total loans | $141,385,600 | 2,751 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 2,894 |
| Cost of funding earning assets | 0.6934% | 1,878 |
| Net interest margin | 3.6260% | 3,281 |
| Noninterest income to average assets | 0.3148% | 4,047 |
| Noninterest expense to average assets | 2.1767% | 4,368 |
| Loan and lease loss provision to assets | 0.0772% | 2,419 |
| Net operating income to assets | 1.3480% | 1,669 |
| Return on assets (ROA) | 1.3480% | 1,683 |
| Pretax return on assets | 1.3495% | 2,432 |
| Return on Equity (ROE) | 8.2347% | 3,450 |
| Retained earnings to average equity (ytd only) | -1.4141% | 5,156 |
| Net charge-offs to loans | -0.0066% | 4,288 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4069% | 3,752 |
| Assets per employee ($millions) | 5.9230% | 1,549 |
| Cash dividends to net income (ytd only)* | 117.1723% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 3,827 |
| Loan loss allowance to noncurrent loans | 365.2406% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 3,708 |
| Noncurrent loans to loans | 0.2712% | 3,715 |
| Net loans and leases to total assets | 79.4764% | 1,093 |
| Net loans and leases to deposits | 108.3272% | 344 |
| Net loans and leases to core deposits | 116.4287% | 697 |
| Total domestic deposits to total assets | 73.3670% | 5,033 |
| Equity capital to assets | 16.3168% | 487 |
| Core capital (leverage) ratio | 11.3347% | 2,304 |
| Tier 1 risk-based capital ratio | 13.1422% | 3,817 |
| Total risk-based capital ratio | 14.1180% | 3,885 |
| Memoranda: | ||
| Average total assets | $172,797,000 | 3,168 |
| Average earning assets | $156,717,000 | 3,199 |
| Average equity | $28,286,250 | 2,448 |
| Average total loans | $142,267,000 | 2,755 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 2,739 |
| Cost of funding earning assets | 0.6407% | 1,983 |
| Net interest margin | 3.6657% | 3,062 |
| Noninterest income to average assets | 0.3050% | 4,136 |
| Noninterest expense to average assets | 2.0330% | 4,741 |
| Loan and lease loss provision to assets | 0.0578% | 2,750 |
| Net operating income to assets | 1.5363% | 1,061 |
| Return on assets (ROA) | 1.5363% | 1,067 |
| Pretax return on assets | 1.5386% | 1,684 |
| Return on Equity (ROE) | 9.3752% | 2,863 |
| Retained earnings to average equity (ytd only) | -0.3736% | 5,010 |
| Net charge-offs to loans | -0.0070% | 4,194 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0153% | 4,474 |
| Assets per employee ($millions) | 5.8543% | 1,596 |
| Cash dividends to net income (ytd only)* | 103.9850% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 4,200 |
| Loan loss allowance to noncurrent loans | 315.1079% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 3,660 |
| Noncurrent loans to loans | 0.2956% | 3,636 |
| Net loans and leases to total assets | 82.3296% | 674 |
| Net loans and leases to deposits | 112.2700% | 230 |
| Net loans and leases to core deposits | 117.6835% | 644 |
| Total domestic deposits to total assets | 73.3318% | 5,098 |
| Equity capital to assets | 16.6809% | 431 |
| Core capital (leverage) ratio | 11.4232% | 2,140 |
| Tier 1 risk-based capital ratio | 12.9670% | 3,910 |
| Total risk-based capital ratio | 13.8809% | 4,005 |
| Memoranda: | ||
| Average total assets | $173,140,000 | 3,175 |
| Average earning assets | $157,024,670 | 3,211 |
| Average equity | $28,372,670 | 2,451 |
| Average total loans | $143,729,000 | 2,751 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 2,857 |
| Cost of funding earning assets | 0.5972% | 2,072 |
| Net interest margin | 3.6106% | 3,133 |
| Noninterest income to average assets | 0.2357% | 4,598 |
| Noninterest expense to average assets | 1.9425% | 4,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5673% | 920 |
| Return on assets (ROA) | 1.5673% | 934 |
| Pretax return on assets | 1.5719% | 1,471 |
| Return on Equity (ROE) | 9.6482% | 2,610 |
| Retained earnings to average equity (ytd only) | -0.1831% | 4,820 |
| Net charge-offs to loans | 0.1986% | 740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.5417% | 1,957 |
| Efficiency ratio | 55.2734% | 4,669 |
| Assets per employee ($millions) | 6.1680% | 1,384 |
| Cash dividends to net income (ytd only)* | 101.8978% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 4,736 |
| Loan loss allowance to noncurrent loans | 49.2736% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.4244% | 1,006 |
| Noncurrent loans to loans | 1.6617% | 1,035 |
| Net loans and leases to total assets | 83.2570% | 515 |
| Net loans and leases to deposits | 109.1187% | 281 |
| Net loans and leases to core deposits | 114.0440% | 804 |
| Total domestic deposits to total assets | 76.2995% | 4,939 |
| Equity capital to assets | 16.4182% | 449 |
| Core capital (leverage) ratio | 11.3138% | 2,154 |
| Tier 1 risk-based capital ratio | 12.7898% | 4,063 |
| Total risk-based capital ratio | 13.6024% | 4,232 |
| Memoranda: | ||
| Average total assets | $174,822,500 | 3,195 |
| Average earning assets | $158,753,500 | 3,229 |
| Average equity | $28,399,000 | 2,473 |
| Average total loans | $145,049,000 | 2,743 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1781% | 2,770 |
| Cost of funding earning assets | 0.5489% | 1,959 |
| Net interest margin | 3.6292% | 3,066 |
| Noninterest income to average assets | 0.3045% | 4,280 |
| Noninterest expense to average assets | 2.2012% | 4,528 |
| Loan and lease loss provision to assets | -0.1145% | 5,494 |
| Net operating income to assets | 1.5127% | 778 |
| Return on assets (ROA) | 1.5224% | 773 |
| Pretax return on assets | 1.5236% | 1,552 |
| Return on Equity (ROE) | 9.3378% | 2,163 |
| Retained earnings to average equity (ytd only) | -0.4423% | 5,109 |
| Net charge-offs to loans | 0.0400% | 2,994 |
| Credit loss provision to net charge-offs | -357.1429% | 4,898 |
| Earnings coverage of net charge-offs (x) | 43.6607% | 1,195 |
| Efficiency ratio | 59.8792% | 4,287 |
| Assets per employee ($millions) | 6.1014% | 1,452 |
| Cash dividends to net income (ytd only)* | 104.7368% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8675% | 4,602 |
| Loan loss allowance to noncurrent loans | 45.1902% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.6034% | 830 |
| Noncurrent loans to loans | 1.9198% | 806 |
| Net loans and leases to total assets | 81.3061% | 780 |
| Net loans and leases to deposits | 104.5417% | 469 |
| Net loans and leases to core deposits | 109.2694% | 1,050 |
| Total domestic deposits to total assets | 77.7738% | 4,753 |
| Equity capital to assets | 16.0749% | 505 |
| Core capital (leverage) ratio | 11.3041% | 2,093 |
| Tier 1 risk-based capital ratio | 12.7677% | 4,049 |
| Total risk-based capital ratio | 13.6275% | 4,192 |
| Memoranda: | ||
| Average total assets | $174,722,400 | 3,182 |
| Average earning assets | $158,683,800 | 3,214 |
| Average equity | $28,486,400 | 2,464 |
| Average total loans | $140,151,600 | 2,780 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 2,726 |
| Cost of funding earning assets | 0.5382% | 1,968 |
| Net interest margin | 3.6294% | 3,042 |
| Noninterest income to average assets | 0.3253% | 4,212 |
| Noninterest expense to average assets | 2.2859% | 4,338 |
| Loan and lease loss provision to assets | -0.1531% | 5,630 |
| Net operating income to assets | 1.4897% | 918 |
| Return on assets (ROA) | 1.5027% | 916 |
| Pretax return on assets | 1.5043% | 1,756 |
| Return on Equity (ROE) | 9.1843% | 2,506 |
| Retained earnings to average equity (ytd only) | -0.7486% | 5,324 |
| Net charge-offs to loans | -0.2342% | 5,572 |
| Credit loss provision to net charge-offs | 81.9672% | 2,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8293% | 3,915 |
| Assets per employee ($millions) | 5.9146% | 1,559 |
| Cash dividends to net income (ytd only)* | 108.1509% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,597 |
| Loan loss allowance to noncurrent loans | 53.4636% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.7298% | 824 |
| Noncurrent loans to loans | 2.0200% | 843 |
| Net loans and leases to total assets | 83.2507% | 519 |
| Net loans and leases to deposits | 106.3563% | 402 |
| Net loans and leases to core deposits | 109.9353% | 1,037 |
| Total domestic deposits to total assets | 78.2753% | 4,677 |
| Equity capital to assets | 16.5965% | 476 |
| Core capital (leverage) ratio | 11.4900% | 2,027 |
| Tier 1 risk-based capital ratio | 12.8976% | 4,082 |
| Total risk-based capital ratio | 13.9760% | 4,084 |
| Memoranda: | ||
| Average total assets | $174,168,000 | 3,214 |
| Average earning assets | $158,295,500 | 3,250 |
| Average equity | $28,497,250 | 2,481 |
| Average total loans | $138,909,000 | 2,815 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 2,576 |
| Cost of funding earning assets | 0.5291% | 1,926 |
| Net interest margin | 3.6424% | 2,866 |
| Noninterest income to average assets | 0.3005% | 4,386 |
| Noninterest expense to average assets | 2.3730% | 4,138 |
| Loan and lease loss provision to assets | -0.2285% | 5,711 |
| Net operating income to assets | 1.4647% | 926 |
| Return on assets (ROA) | 1.4842% | 917 |
| Pretax return on assets | 1.4864% | 1,700 |
| Return on Equity (ROE) | 9.1134% | 2,459 |
| Retained earnings to average equity (ytd only) | -0.3578% | 5,137 |
| Net charge-offs to loans | -0.3560% | 5,662 |
| Credit loss provision to net charge-offs | 81.9672% | 2,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4416% | 3,600 |
| Assets per employee ($millions) | 5.9376% | 1,507 |
| Cash dividends to net income (ytd only)* | 103.9261% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 3,533 |
| Loan loss allowance to noncurrent loans | 281.9168% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 3,599 |
| Noncurrent loans to loans | 0.3935% | 3,613 |
| Net loans and leases to total assets | 80.7190% | 847 |
| Net loans and leases to deposits | 108.1651% | 314 |
| Net loans and leases to core deposits | 111.5499% | 927 |
| Total domestic deposits to total assets | 74.6257% | 5,239 |
| Equity capital to assets | 16.5979% | 455 |
| Core capital (leverage) ratio | 11.6771% | 1,848 |
| Tier 1 risk-based capital ratio | 13.4034% | 3,745 |
| Total risk-based capital ratio | 14.5185% | 3,740 |
| Memoranda: | ||
| Average total assets | $175,049,330 | 3,225 |
| Average earning assets | $159,124,000 | 3,255 |
| Average equity | $28,507,330 | 2,468 |
| Average total loans | $137,094,000 | 2,847 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 2,235 |
| Cost of funding earning assets | 0.5364% | 1,812 |
| Net interest margin | 3.6752% | 2,577 |
| Noninterest income to average assets | 0.2607% | 4,668 |
| Noninterest expense to average assets | 2.3618% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2489% | 1,378 |
| Return on assets (ROA) | 1.1945% | 1,556 |
| Pretax return on assets | 1.1990% | 2,600 |
| Return on Equity (ROE) | 7.4040% | 3,209 |
| Retained earnings to average equity (ytd only) | -4.1586% | 5,337 |
| Net charge-offs to loans | -0.7181% | 5,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0752% | 3,820 |
| Assets per employee ($millions) | 5.9190% | 1,566 |
| Cash dividends to net income (ytd only)* | 156.1670% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,621 |
| Loan loss allowance to noncurrent loans | 431.6953% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 4,023 |
| Noncurrent loans to loans | 0.2973% | 4,050 |
| Net loans and leases to total assets | 78.7429% | 1,019 |
| Net loans and leases to deposits | 99.2095% | 668 |
| Net loans and leases to core deposits | 101.7870% | 1,382 |
| Total domestic deposits to total assets | 79.3704% | 4,751 |
| Equity capital to assets | 16.5114% | 430 |
| Core capital (leverage) ratio | 11.2401% | 2,156 |
| Tier 1 risk-based capital ratio | 13.7172% | 3,656 |
| Total risk-based capital ratio | 14.9673% | 3,553 |
| Memoranda: | ||
| Average total assets | $176,479,000 | 3,227 |
| Average earning assets | $161,080,000 | 3,251 |
| Average equity | $28,471,000 | 2,483 |
| Average total loans | $135,366,500 | 2,880 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 3,169 |
| Cost of funding earning assets | 0.5470% | 1,717 |
| Net interest margin | 3.4613% | 3,578 |
| Noninterest income to average assets | 0.3108% | 4,510 |
| Noninterest expense to average assets | 1.6639% | 5,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.8030% | 446 |
| Return on assets (ROA) | 1.8036% | 466 |
| Pretax return on assets | 1.8047% | 793 |
| Return on Equity (ROE) | 11.0182% | 1,571 |
| Retained earnings to average equity (ytd only) | 0.4842% | 5,135 |
| Net charge-offs to loans | 0.0367% | 3,292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 64.5714% | 841 |
| Efficiency ratio | 45.1003% | 5,667 |
| Assets per employee ($millions) | 6.2520% | 1,294 |
| Cash dividends to net income (ytd only)* | 95.6054% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,538 |
| Loan loss allowance to noncurrent loans | 359.8575% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 4,132 |
| Noncurrent loans to loans | 0.3146% | 4,018 |
| Net loans and leases to total assets | 72.9691% | 2,018 |
| Net loans and leases to deposits | 91.2199% | 1,546 |
| Net loans and leases to core deposits | 94.1040% | 2,096 |
| Total domestic deposits to total assets | 79.9925% | 4,577 |
| Equity capital to assets | 15.7743% | 525 |
| Core capital (leverage) ratio | 11.2538% | 2,122 |
| Tier 1 risk-based capital ratio | 14.2596% | 3,309 |
| Total risk-based capital ratio | 15.4102% | 3,297 |
| Memoranda: | ||
| Average total assets | $175,375,800 | 3,216 |
| Average earning assets | $159,968,000 | 3,241 |
| Average equity | $28,707,000 | 2,473 |
| Average total loans | $133,496,000 | 2,870 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 3,137 |
| Cost of funding earning assets | 0.5510% | 1,678 |
| Net interest margin | 3.4712% | 3,581 |
| Noninterest income to average assets | 0.2699% | 4,845 |
| Noninterest expense to average assets | 1.6385% | 5,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7934% | 498 |
| Return on assets (ROA) | 1.7942% | 524 |
| Pretax return on assets | 1.7957% | 906 |
| Return on Equity (ROE) | 10.8580% | 1,722 |
| Retained earnings to average equity (ytd only) | 0.5986% | 5,201 |
| Net charge-offs to loans | -0.0490% | 5,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8191% | 5,718 |
| Assets per employee ($millions) | 6.1187% | 1,339 |
| Cash dividends to net income (ytd only)* | 94.4874% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 3,303 |
| Loan loss allowance to noncurrent loans | 113.9124% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.9265% | 2,246 |
| Noncurrent loans to loans | 1.0441% | 2,151 |
| Net loans and leases to total assets | 75.5205% | 1,609 |
| Net loans and leases to deposits | 95.0896% | 1,142 |
| Net loans and leases to core deposits | 98.1952% | 1,793 |
| Total domestic deposits to total assets | 79.4203% | 4,634 |
| Equity capital to assets | 16.2233% | 521 |
| Core capital (leverage) ratio | 11.3431% | 2,161 |
| Tier 1 risk-based capital ratio | 13.5386% | 3,840 |
| Total risk-based capital ratio | 14.7041% | 3,798 |
| Memoranda: | ||
| Average total assets | $173,893,000 | 3,245 |
| Average earning assets | $158,483,250 | 3,278 |
| Average equity | $28,733,750 | 2,476 |
| Average total loans | $133,416,750 | 2,876 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 3,173 |
| Cost of funding earning assets | 0.5539% | 1,670 |
| Net interest margin | 3.4682% | 3,619 |
| Noninterest income to average assets | 0.2756% | 4,811 |
| Noninterest expense to average assets | 1.6675% | 5,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7671% | 505 |
| Return on assets (ROA) | 1.7683% | 535 |
| Pretax return on assets | 1.7706% | 936 |
| Return on Equity (ROE) | 10.6352% | 1,791 |
| Retained earnings to average equity (ytd only) | 0.8985% | 5,034 |
| Net charge-offs to loans | -0.0543% | 5,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5863% | 5,770 |
| Assets per employee ($millions) | 6.0827% | 1,346 |
| Cash dividends to net income (ytd only)* | 91.5521% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 3,300 |
| Loan loss allowance to noncurrent loans | 122.0442% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0809% | 1,961 |
| Noncurrent loans to loans | 0.9923% | 2,300 |
| Net loans and leases to total assets | 76.6323% | 1,393 |
| Net loans and leases to deposits | 97.1680% | 950 |
| Net loans and leases to core deposits | 101.3827% | 1,521 |
| Total domestic deposits to total assets | 78.8658% | 4,816 |
| Equity capital to assets | 16.9274% | 441 |
| Core capital (leverage) ratio | 11.5975% | 1,912 |
| Tier 1 risk-based capital ratio | 14.4392% | 3,355 |
| Total risk-based capital ratio | 15.6738% | 3,294 |
| Memoranda: | ||
| Average total assets | $172,710,000 | 3,281 |
| Average earning assets | $157,429,670 | 3,306 |
| Average equity | $28,716,000 | 2,477 |
| Average total loans | $132,683,000 | 2,889 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 3,247 |
| Cost of funding earning assets | 0.5518% | 1,690 |
| Net interest margin | 3.4417% | 3,705 |
| Noninterest income to average assets | 0.2093% | 5,233 |
| Noninterest expense to average assets | 1.7067% | 5,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6400% | 650 |
| Return on assets (ROA) | 1.6423% | 686 |
| Pretax return on assets | 1.6469% | 1,186 |
| Return on Equity (ROE) | 9.9655% | 1,994 |
| Retained earnings to average equity (ytd only) | 0.4187% | 5,014 |
| Net charge-offs to loans | -0.0421% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9067% | 5,729 |
| Assets per employee ($millions) | 6.3324% | 1,198 |
| Cash dividends to net income (ytd only)* | 95.7983% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 3,558 |
| Loan loss allowance to noncurrent loans | 82.7478% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.3768% | 1,523 |
| Noncurrent loans to loans | 1.4342% | 1,653 |
| Net loans and leases to total assets | 76.8446% | 1,272 |
| Net loans and leases to deposits | 97.4428% | 804 |
| Net loans and leases to core deposits | 101.2625% | 1,390 |
| Total domestic deposits to total assets | 78.8612% | 4,997 |
| Equity capital to assets | 16.7756% | 441 |
| Core capital (leverage) ratio | 11.5913% | 1,910 |
| Tier 1 risk-based capital ratio | 14.2619% | 3,524 |
| Total risk-based capital ratio | 15.4727% | 3,480 |
| Memoranda: | ||
| Average total assets | $173,907,000 | 3,281 |
| Average earning assets | $158,757,000 | 3,300 |
| Average equity | $28,659,000 | 2,466 |
| Average total loans | $132,966,000 | 2,888 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 2,999 |
| Cost of funding earning assets | 0.5967% | 1,382 |
| Net interest margin | 3.4834% | 3,583 |
| Noninterest income to average assets | 0.2610% | 5,027 |
| Noninterest expense to average assets | 1.7042% | 5,836 |
| Loan and lease loss provision to assets | -0.0589% | 5,770 |
| Net operating income to assets | 1.7796% | 501 |
| Return on assets (ROA) | 1.7831% | 509 |
| Pretax return on assets | 1.7843% | 827 |
| Return on Equity (ROE) | 10.5952% | 1,758 |
| Retained earnings to average equity (ytd only) | 2.3985% | 4,349 |
| Net charge-offs to loans | -0.0221% | 5,298 |
| Credit loss provision to net charge-offs | 357.1429% | 831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3364% | 5,913 |
| Assets per employee ($millions) | 6.3157% | 1,191 |
| Cash dividends to net income (ytd only)* | 77.3629% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 3,604 |
| Loan loss allowance to noncurrent loans | 122.7630% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.9738% | 2,250 |
| Noncurrent loans to loans | 0.9581% | 2,412 |
| Net loans and leases to total assets | 74.3077% | 1,675 |
| Net loans and leases to deposits | 94.0865% | 1,195 |
| Net loans and leases to core deposits | 97.6394% | 1,700 |
| Total domestic deposits to total assets | 78.9781% | 4,981 |
| Equity capital to assets | 16.1933% | 498 |
| Core capital (leverage) ratio | 11.0862% | 2,320 |
| Tier 1 risk-based capital ratio | 14.2516% | 3,582 |
| Total risk-based capital ratio | 15.4512% | 3,522 |
| Memoranda: | ||
| Average total assets | $169,701,400 | 3,309 |
| Average earning assets | $154,189,000 | 3,342 |
| Average equity | $28,560,000 | 2,418 |
| Average total loans | $126,643,800 | 2,941 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 3,021 |
| Cost of funding earning assets | 0.5978% | 1,422 |
| Net interest margin | 3.4828% | 3,613 |
| Noninterest income to average assets | 0.2795% | 4,945 |
| Noninterest expense to average assets | 1.6619% | 5,933 |
| Loan and lease loss provision to assets | -0.0794% | 5,970 |
| Net operating income to assets | 1.8548% | 460 |
| Return on assets (ROA) | 1.8588% | 480 |
| Pretax return on assets | 1.8604% | 784 |
| Return on Equity (ROE) | 10.9361% | 1,733 |
| Retained earnings to average equity (ytd only) | 3.9288% | 3,668 |
| Net charge-offs to loans | 0.0011% | 4,153 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,734 |
| Earnings coverage of net charge-offs (x) | 2,243.5564% | 23 |
| Efficiency ratio | 44.9088% | 6,007 |
| Assets per employee ($millions) | 6.0670% | 1,327 |
| Cash dividends to net income (ytd only)* | 64.0751% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 3,858 |
| Loan loss allowance to noncurrent loans | 93.4267% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.1833% | 1,996 |
| Noncurrent loans to loans | 1.2439% | 2,053 |
| Net loans and leases to total assets | 74.1996% | 1,704 |
| Net loans and leases to deposits | 96.6350% | 944 |
| Net loans and leases to core deposits | 100.2165% | 1,492 |
| Total domestic deposits to total assets | 76.7834% | 5,379 |
| Equity capital to assets | 16.3871% | 508 |
| Core capital (leverage) ratio | 11.3122% | 2,182 |
| Tier 1 risk-based capital ratio | 14.4876% | 3,583 |
| Total risk-based capital ratio | 15.6755% | 3,528 |
| Memoranda: | ||
| Average total assets | $167,917,000 | 3,366 |
| Average earning assets | $152,325,750 | 3,389 |
| Average equity | $28,541,000 | 2,436 |
| Average total loans | $125,062,500 | 2,992 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0743% | 2,995 |
| Cost of funding earning assets | 0.5922% | 1,468 |
| Net interest margin | 3.4822% | 3,570 |
| Noninterest income to average assets | 0.2723% | 5,000 |
| Noninterest expense to average assets | 1.7344% | 5,939 |
| Loan and lease loss provision to assets | -0.1210% | 6,104 |
| Net operating income to assets | 1.8095% | 507 |
| Return on assets (ROA) | 1.8155% | 517 |
| Pretax return on assets | 1.8179% | 863 |
| Return on Equity (ROE) | 10.5470% | 1,832 |
| Retained earnings to average equity (ytd only) | 5.4001% | 2,600 |
| Net charge-offs to loans | -0.0163% | 5,093 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1378% | 6,000 |
| Assets per employee ($millions) | 5.6962% | 1,573 |
| Cash dividends to net income (ytd only)* | 48.8000% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 3,729 |
| Loan loss allowance to noncurrent loans | 90.1984% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.3276% | 1,893 |
| Noncurrent loans to loans | 1.3423% | 2,005 |
| Net loans and leases to total assets | 76.3637% | 1,322 |
| Net loans and leases to deposits | 100.9079% | 599 |
| Net loans and leases to core deposits | 105.2032% | 1,115 |
| Total domestic deposits to total assets | 75.6766% | 5,638 |
| Equity capital to assets | 17.3660% | 390 |
| Core capital (leverage) ratio | 12.2354% | 1,519 |
| Tier 1 risk-based capital ratio | 15.0911% | 3,304 |
| Total risk-based capital ratio | 16.3412% | 3,247 |
| Memoranda: | ||
| Average total assets | $165,241,670 | 3,416 |
| Average earning assets | $149,619,670 | 3,460 |
| Average equity | $28,444,000 | 2,456 |
| Average total loans | $122,722,000 | 3,042 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 3,124 |
| Cost of funding earning assets | 0.6009% | 1,431 |
| Net interest margin | 3.4293% | 3,721 |
| Noninterest income to average assets | 0.2372% | 5,267 |
| Noninterest expense to average assets | 1.8225% | 5,870 |
| Loan and lease loss provision to assets | -0.2420% | 6,282 |
| Net operating income to assets | 1.7596% | 523 |
| Return on assets (ROA) | 1.7717% | 534 |
| Pretax return on assets | 1.7765% | 904 |
| Return on Equity (ROE) | 10.3381% | 1,853 |
| Retained earnings to average equity (ytd only) | 10.3381% | 841 |
| Net charge-offs to loans | -0.0599% | 5,613 |
| Credit loss provision to net charge-offs | 555.5556% | 500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9407% | 5,858 |
| Assets per employee ($millions) | 5.5135% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 3,445 |
| Loan loss allowance to noncurrent loans | 88.9525% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.3615% | 1,951 |
| Noncurrent loans to loans | 1.4519% | 1,958 |
| Net loans and leases to total assets | 71.8033% | 1,839 |
| Net loans and leases to deposits | 93.6892% | 1,017 |
| Net loans and leases to core deposits | 97.8158% | 1,489 |
| Total domestic deposits to total assets | 76.6399% | 5,674 |
| Equity capital to assets | 17.3760% | 392 |
| Core capital (leverage) ratio | 12.2186% | 1,497 |
| Tier 1 risk-based capital ratio | 16.1577% | 2,845 |
| Total risk-based capital ratio | 17.4088% | 2,784 |
| Memoranda: | ||
| Average total assets | $165,267,000 | 3,440 |
| Average earning assets | $149,768,500 | 3,473 |
| Average equity | $28,322,500 | 2,482 |
| Average total loans | $120,237,000 | 3,095 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 2,363 |
| Cost of funding earning assets | 0.6635% | 1,310 |
| Net interest margin | 3.6991% | 3,011 |
| Noninterest income to average assets | 0.2683% | 5,204 |
| Noninterest expense to average assets | 1.8355% | 6,023 |
| Loan and lease loss provision to assets | -0.0630% | 6,074 |
| Net operating income to assets | 1.8204% | 463 |
| Return on assets (ROA) | 1.8393% | 456 |
| Pretax return on assets | 1.8405% | 727 |
| Return on Equity (ROE) | 10.3388% | 1,970 |
| Retained earnings to average equity (ytd only) | -10.4309% | 6,324 |
| Net charge-offs to loans | -0.0600% | 5,987 |
| Credit loss provision to net charge-offs | 142.8571% | 1,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5990% | 6,199 |
| Assets per employee ($millions) | 5.5043% | 1,766 |
| Cash dividends to net income (ytd only)* | 200.8904% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 3,129 |
| Loan loss allowance to noncurrent loans | 95.2270% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2972% | 2,173 |
| Noncurrent loans to loans | 1.4298% | 2,056 |
| Net loans and leases to total assets | 71.7728% | 1,942 |
| Net loans and leases to deposits | 94.6478% | 1,021 |
| Net loans and leases to core deposits | 98.8663% | 1,478 |
| Total domestic deposits to total assets | 75.8315% | 5,755 |
| Equity capital to assets | 16.8984% | 431 |
| Core capital (leverage) ratio | 11.3380% | 2,098 |
| Tier 1 risk-based capital ratio | 16.3379% | 2,796 |
| Total risk-based capital ratio | 17.5882% | 2,738 |
| Memoranda: | ||
| Average total assets | $158,758,600 | 3,506 |
| Average earning assets | $142,737,800 | 3,558 |
| Average equity | $28,243,000 | 2,391 |
| Average total loans | $116,669,000 | 3,104 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 2,131 |
| Cost of funding earning assets | 0.6674% | 1,339 |
| Net interest margin | 3.7604% | 2,773 |
| Noninterest income to average assets | 0.2613% | 5,342 |
| Noninterest expense to average assets | 1.8163% | 6,068 |
| Loan and lease loss provision to assets | -0.0848% | 6,249 |
| Net operating income to assets | 1.9028% | 418 |
| Return on assets (ROA) | 1.9283% | 408 |
| Pretax return on assets | 1.9300% | 669 |
| Return on Equity (ROE) | 10.6983% | 1,906 |
| Retained earnings to average equity (ytd only) | -16.9112% | 6,465 |
| Net charge-offs to loans | -0.1002% | 6,136 |
| Credit loss provision to net charge-offs | 114.9425% | 1,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5002% | 6,271 |
| Assets per employee ($millions) | 5.3556% | 1,856 |
| Cash dividends to net income (ytd only)* | 258.0732% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 3,127 |
| Loan loss allowance to noncurrent loans | 79.7395% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.5541% | 1,971 |
| Noncurrent loans to loans | 1.7686% | 1,839 |
| Net loans and leases to total assets | 71.9230% | 1,865 |
| Net loans and leases to deposits | 95.5775% | 917 |
| Net loans and leases to core deposits | 100.6454% | 1,318 |
| Total domestic deposits to total assets | 75.2510% | 5,900 |
| Equity capital to assets | 16.9410% | 431 |
| Core capital (leverage) ratio | 11.2109% | 2,296 |
| Tier 1 risk-based capital ratio | 15.7465% | 3,188 |
| Total risk-based capital ratio | 17.0006% | 3,124 |
| Memoranda: | ||
| Average total assets | $157,166,250 | 3,560 |
| Average earning assets | $141,044,250 | 3,614 |
| Average equity | $28,327,750 | 2,396 |
| Average total loans | $115,798,000 | 3,133 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 1,912 |
| Cost of funding earning assets | 0.6716% | 1,369 |
| Net interest margin | 3.8031% | 2,564 |
| Noninterest income to average assets | 0.2359% | 5,512 |
| Noninterest expense to average assets | 1.8872% | 6,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7513% | 534 |
| Return on assets (ROA) | 1.7513% | 561 |
| Pretax return on assets | 1.7539% | 926 |
| Return on Equity (ROE) | 9.5200% | 2,368 |
| Retained earnings to average equity (ytd only) | -22.7896% | 6,556 |
| Net charge-offs to loans | -0.1405% | 6,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3451% | 6,275 |
| Assets per employee ($millions) | 5.1536% | 2,027 |
| Cash dividends to net income (ytd only)* | 339.3851% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 2,961 |
| Loan loss allowance to noncurrent loans | 71.2770% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.7425% | 1,866 |
| Noncurrent loans to loans | 2.0877% | 1,601 |
| Net loans and leases to total assets | 74.8064% | 1,331 |
| Net loans and leases to deposits | 100.9541% | 506 |
| Net loans and leases to core deposits | 106.4110% | 874 |
| Total domestic deposits to total assets | 74.0995% | 6,104 |
| Equity capital to assets | 17.8388% | 336 |
| Core capital (leverage) ratio | 11.8798% | 1,729 |
| Tier 1 risk-based capital ratio | 15.8628% | 3,163 |
| Total risk-based capital ratio | 17.1124% | 3,099 |
| Memoranda: | ||
| Average total assets | $155,998,670 | 3,593 |
| Average earning assets | $139,675,330 | 3,658 |
| Average equity | $28,697,330 | 2,365 |
| Average total loans | $115,327,000 | 3,147 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 2,325 |
| Cost of funding earning assets | 0.6790% | 1,371 |
| Net interest margin | 3.6725% | 2,982 |
| Noninterest income to average assets | 0.2782% | 5,142 |
| Noninterest expense to average assets | 1.9631% | 5,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6235% | 648 |
| Return on assets (ROA) | 1.6235% | 673 |
| Pretax return on assets | 1.6286% | 1,113 |
| Return on Equity (ROE) | 8.6957% | 2,603 |
| Retained earnings to average equity (ytd only) | -39.1578% | 6,650 |
| Net charge-offs to loans | -0.3290% | 6,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1727% | 6,180 |
| Assets per employee ($millions) | 5.2991% | 1,911 |
| Cash dividends to net income (ytd only)* | 550.3145% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,046 |
| Loan loss allowance to noncurrent loans | 61.5170% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 1.9860% | 1,729 |
| Noncurrent loans to loans | 2.4774% | 1,397 |
| Net loans and leases to total assets | 74.0036% | 1,267 |
| Net loans and leases to deposits | 98.2972% | 521 |
| Net loans and leases to core deposits | 103.2972% | 900 |
| Total domestic deposits to total assets | 75.2855% | 6,132 |
| Equity capital to assets | 18.1467% | 318 |
| Core capital (leverage) ratio | 12.2015% | 1,534 |
| Tier 1 risk-based capital ratio | 16.2681% | 3,031 |
| Total risk-based capital ratio | 17.5179% | 2,987 |
| Memoranda: | ||
| Average total assets | $156,694,500 | 3,613 |
| Average earning assets | $141,375,000 | 3,648 |
| Average equity | $29,256,000 | 2,309 |
| Average total loans | $114,289,000 | 3,180 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5333% | 2,081 |
| Cost of funding earning assets | 0.8180% | 1,102 |
| Net interest margin | 3.7152% | 2,998 |
| Noninterest income to average assets | 0.2552% | 5,522 |
| Noninterest expense to average assets | 1.8804% | 6,214 |
| Loan and lease loss provision to assets | -0.1899% | 6,589 |
| Net operating income to assets | 1.8962% | 400 |
| Return on assets (ROA) | 1.8981% | 415 |
| Pretax return on assets | 1.8994% | 601 |
| Return on Equity (ROE) | 10.0162% | 2,104 |
| Retained earnings to average equity (ytd only) | 6.0672% | 1,929 |
| Net charge-offs to loans | 0.0899% | 3,946 |
| Credit loss provision to net charge-offs | -303.0303% | 6,057 |
| Earnings coverage of net charge-offs (x) | 27.2424% | 1,276 |
| Efficiency ratio | 47.5207% | 6,505 |
| Assets per employee ($millions) | 5.3238% | 1,822 |
| Cash dividends to net income (ytd only)* | 39.4263% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 3,320 |
| Loan loss allowance to noncurrent loans | 57.6271% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 1.9529% | 1,849 |
| Noncurrent loans to loans | 2.5563% | 1,469 |
| Net loans and leases to total assets | 69.7666% | 2,055 |
| Net loans and leases to deposits | 96.0901% | 726 |
| Net loans and leases to core deposits | 101.6512% | 1,050 |
| Total domestic deposits to total assets | 72.6054% | 6,379 |
| Equity capital to assets | 19.1749% | 254 |
| Core capital (leverage) ratio | 13.5858% | 934 |
| Tier 1 risk-based capital ratio | 19.0042% | 1,918 |
| Total risk-based capital ratio | 20.2543% | 1,882 |
| Memoranda: | ||
| Average total assets | $157,943,400 | 3,588 |
| Average earning assets | $141,686,400 | 3,640 |
| Average equity | $29,931,600 | 2,254 |
| Average total loans | $110,108,200 | 3,245 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 1,886 |
| Cost of funding earning assets | 0.8478% | 1,062 |
| Net interest margin | 3.7570% | 2,814 |
| Noninterest income to average assets | 0.3022% | 5,277 |
| Noninterest expense to average assets | 1.8531% | 6,251 |
| Loan and lease loss provision to assets | -0.1693% | 6,695 |
| Net operating income to assets | 1.9817% | 371 |
| Return on assets (ROA) | 1.9817% | 383 |
| Pretax return on assets | 1.9834% | 595 |
| Return on Equity (ROE) | 10.4887% | 2,005 |
| Retained earnings to average equity (ytd only) | 5.1928% | 2,937 |
| Net charge-offs to loans | -0.0768% | 6,433 |
| Credit loss provision to net charge-offs | 317.4603% | 810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7295% | 6,600 |
| Assets per employee ($millions) | 5.3397% | 1,805 |
| Cash dividends to net income (ytd only)* | 50.4911% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 2,498 |
| Loan loss allowance to noncurrent loans | 61.2258% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.1974% | 1,811 |
| Noncurrent loans to loans | 2.8386% | 1,459 |
| Net loans and leases to total assets | 68.0475% | 2,285 |
| Net loans and leases to deposits | 93.7130% | 845 |
| Net loans and leases to core deposits | 99.5871% | 1,149 |
| Total domestic deposits to total assets | 72.6127% | 6,458 |
| Equity capital to assets | 18.7801% | 277 |
| Core capital (leverage) ratio | 13.0742% | 1,176 |
| Tier 1 risk-based capital ratio | 18.5093% | 2,137 |
| Total risk-based capital ratio | 19.7598% | 2,110 |
| Memoranda: | ||
| Average total assets | $157,500,750 | 3,633 |
| Average earning assets | $141,066,750 | 3,686 |
| Average equity | $29,758,250 | 2,285 |
| Average total loans | $109,362,000 | 3,282 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 1,680 |
| Cost of funding earning assets | 0.8810% | 980 |
| Net interest margin | 3.7769% | 2,646 |
| Noninterest income to average assets | 0.3244% | 5,107 |
| Noninterest expense to average assets | 1.8888% | 6,243 |
| Loan and lease loss provision to assets | -0.2554% | 6,808 |
| Net operating income to assets | 2.0664% | 319 |
| Return on assets (ROA) | 2.0664% | 335 |
| Pretax return on assets | 2.0689% | 528 |
| Return on Equity (ROE) | 10.9141% | 1,841 |
| Retained earnings to average equity (ytd only) | 2.9410% | 4,440 |
| Net charge-offs to loans | -0.0349% | 6,137 |
| Credit loss provision to net charge-offs | 1,052.6316% | 289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2228% | 6,628 |
| Assets per employee ($millions) | 5.0253% | 2,086 |
| Cash dividends to net income (ytd only)* | 73.0532% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 2,691 |
| Loan loss allowance to noncurrent loans | 68.0636% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 2.0947% | 2,063 |
| Noncurrent loans to loans | 2.5338% | 1,824 |
| Net loans and leases to total assets | 71.2128% | 1,689 |
| Net loans and leases to deposits | 94.9634% | 740 |
| Net loans and leases to core deposits | 102.3832% | 920 |
| Total domestic deposits to total assets | 74.9897% | 6,359 |
| Equity capital to assets | 19.4563% | 235 |
| Core capital (leverage) ratio | 13.3927% | 1,017 |
| Tier 1 risk-based capital ratio | 18.2661% | 2,223 |
| Total risk-based capital ratio | 19.5229% | 2,183 |
| Memoranda: | ||
| Average total assets | $156,604,000 | 3,664 |
| Average earning assets | $140,060,330 | 3,720 |
| Average equity | $29,649,670 | 2,301 |
| Average total loans | $108,838,000 | 3,303 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 1,998 |
| Cost of funding earning assets | 0.8837% | 1,065 |
| Net interest margin | 3.6637% | 3,014 |
| Noninterest income to average assets | 0.2884% | 5,395 |
| Noninterest expense to average assets | 1.8480% | 6,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7101% | 570 |
| Return on assets (ROA) | 1.7101% | 629 |
| Pretax return on assets | 1.7151% | 1,040 |
| Return on Equity (ROE) | 9.1518% | 2,415 |
| Retained earnings to average equity (ytd only) | 9.1518% | 1,333 |
| Net charge-offs to loans | 0.1767% | 2,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 1,467 |
| Efficiency ratio | 47.0091% | 6,652 |
| Assets per employee ($millions) | 5.4254% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8462% | 2,457 |
| Loan loss allowance to noncurrent loans | 107.6882% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.4523% | 3,079 |
| Noncurrent loans to loans | 1.7144% | 2,973 |
| Net loans and leases to total assets | 68.1539% | 1,980 |
| Net loans and leases to deposits | 91.5863% | 838 |
| Net loans and leases to core deposits | 98.6858% | 1,034 |
| Total domestic deposits to total assets | 74.4150% | 6,508 |
| Equity capital to assets | 19.1289% | 259 |
| Core capital (leverage) ratio | 12.9649% | 1,128 |
| Tier 1 risk-based capital ratio | 18.9546% | 2,056 |
| Total risk-based capital ratio | 20.2136% | 2,028 |
| Memoranda: | ||
| Average total assets | $159,527,000 | 3,658 |
| Average earning assets | $142,588,500 | 3,719 |
| Average equity | $29,808,500 | 2,313 |
| Average total loans | $108,635,500 | 3,319 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0600% | 1,400 |
| Cost of funding earning assets | 1.0755% | 998 |
| Net interest margin | 3.9845% | 2,463 |
| Noninterest income to average assets | 0.2730% | 5,508 |
| Noninterest expense to average assets | 1.9830% | 6,362 |
| Loan and lease loss provision to assets | -0.0935% | 6,922 |
| Net operating income to assets | 1.9425% | 400 |
| Return on assets (ROA) | 1.9868% | 398 |
| Pretax return on assets | 1.9880% | 619 |
| Return on Equity (ROE) | 11.4247% | 1,674 |
| Retained earnings to average equity (ytd only) | 11.4247% | 389 |
| Net charge-offs to loans | -0.0659% | 6,756 |
| Credit loss provision to net charge-offs | 205.4795% | 1,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3747% | 6,804 |
| Assets per employee ($millions) | 5.3905% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9116% | 2,263 |
| Loan loss allowance to noncurrent loans | 82.7987% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.9046% | 2,561 |
| Noncurrent loans to loans | 2.3088% | 2,343 |
| Net loans and leases to total assets | 65.5204% | 2,605 |
| Net loans and leases to deposits | 88.7226% | 1,195 |
| Net loans and leases to core deposits | 95.4456% | 1,352 |
| Total domestic deposits to total assets | 73.8486% | 6,542 |
| Equity capital to assets | 18.2542% | 309 |
| Core capital (leverage) ratio | 12.1031% | 1,511 |
| Tier 1 risk-based capital ratio | 17.8738% | 2,305 |
| Total risk-based capital ratio | 19.1247% | 2,276 |
| Memoranda: | ||
| Average total assets | $160,462,200 | 3,619 |
| Average earning assets | $143,379,400 | 3,674 |
| Average equity | $27,904,400 | 2,400 |
| Average total loans | $110,724,600 | 3,285 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 1,284 |
| Cost of funding earning assets | 1.1104% | 1,028 |
| Net interest margin | 4.0447% | 2,315 |
| Noninterest income to average assets | 0.2889% | 5,472 |
| Noninterest expense to average assets | 1.9215% | 6,486 |
| Loan and lease loss provision to assets | 0.0833% | 4,579 |
| Net operating income to assets | 1.8974% | 456 |
| Return on assets (ROA) | 1.9565% | 470 |
| Pretax return on assets | 1.9581% | 764 |
| Return on Equity (ROE) | 11.3935% | 1,823 |
| Retained earnings to average equity (ytd only) | 11.3935% | 632 |
| Net charge-offs to loans | 0.0347% | 5,159 |
| Credit loss provision to net charge-offs | 344.8276% | 778 |
| Earnings coverage of net charge-offs (x) | 82.0944% | 504 |
| Efficiency ratio | 42.9516% | 6,931 |
| Assets per employee ($millions) | 5.2962% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 2,170 |
| Loan loss allowance to noncurrent loans | 93.9304% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.7639% | 2,960 |
| Noncurrent loans to loans | 2.1271% | 2,696 |
| Net loans and leases to total assets | 66.1161% | 2,629 |
| Net loans and leases to deposits | 88.5068% | 1,294 |
| Net loans and leases to core deposits | 94.8109% | 1,506 |
| Total domestic deposits to total assets | 74.7017% | 6,543 |
| Equity capital to assets | 17.4697% | 402 |
| Core capital (leverage) ratio | 11.3029% | 2,136 |
| Tier 1 risk-based capital ratio | 17.2815% | 2,615 |
| Total risk-based capital ratio | 18.5436% | 2,569 |
| Memoranda: | ||
| Average total assets | $160,148,750 | 3,655 |
| Average earning assets | $143,129,250 | 3,716 |
| Average equity | $27,500,500 | 2,459 |
| Average total loans | $111,400,250 | 3,294 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3077% | 1,041 |
| Cost of funding earning assets | 1.1665% | 960 |
| Net interest margin | 4.1413% | 1,939 |
| Noninterest income to average assets | 0.1965% | 6,157 |
| Noninterest expense to average assets | 1.9433% | 6,527 |
| Loan and lease loss provision to assets | 0.1259% | 3,946 |
| Net operating income to assets | 1.8135% | 547 |
| Return on assets (ROA) | 1.8400% | 592 |
| Pretax return on assets | 1.8425% | 956 |
| Return on Equity (ROE) | 10.7796% | 2,065 |
| Retained earnings to average equity (ytd only) | 10.7796% | 787 |
| Net charge-offs to loans | 0.0269% | 5,003 |
| Credit loss provision to net charge-offs | 666.6667% | 478 |
| Earnings coverage of net charge-offs (x) | 102.8000% | 413 |
| Efficiency ratio | 43.6305% | 6,967 |
| Assets per employee ($millions) | 5.2330% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 2,172 |
| Loan loss allowance to noncurrent loans | 97.4202% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.6536% | 3,241 |
| Noncurrent loans to loans | 2.0753% | 2,857 |
| Net loans and leases to total assets | 68.7783% | 2,144 |
| Net loans and leases to deposits | 91.7164% | 981 |
| Net loans and leases to core deposits | 98.2806% | 1,248 |
| Total domestic deposits to total assets | 74.9901% | 6,591 |
| Equity capital to assets | 17.7457% | 364 |
| Core capital (leverage) ratio | 11.1971% | 2,125 |
| Tier 1 risk-based capital ratio | 16.1115% | 3,118 |
| Total risk-based capital ratio | 17.2970% | 3,109 |
| Memoranda: | ||
| Average total assets | $158,804,670 | 3,690 |
| Average earning assets | $141,454,330 | 3,762 |
| Average equity | $27,106,670 | 2,473 |
| Average total loans | $111,612,670 | 3,298 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3117% | 1,072 |
| Cost of funding earning assets | 1.2085% | 946 |
| Net interest margin | 4.1032% | 2,082 |
| Noninterest income to average assets | 0.1678% | 6,381 |
| Noninterest expense to average assets | 1.9811% | 6,498 |
| Loan and lease loss provision to assets | 0.2505% | 2,457 |
| Net operating income to assets | 1.5879% | 878 |
| Return on assets (ROA) | 1.6204% | 931 |
| Pretax return on assets | 1.6254% | 1,488 |
| Return on Equity (ROE) | 9.6818% | 2,523 |
| Retained earnings to average equity (ytd only) | 9.6818% | 1,360 |
| Net charge-offs to loans | -0.0036% | 5,755 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3176% | 6,934 |
| Assets per employee ($millions) | 5.4671% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0207% | 2,296 |
| Loan loss allowance to noncurrent loans | 83.7565% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 2.0959% | 2,781 |
| Noncurrent loans to loans | 2.4126% | 2,694 |
| Net loans and leases to total assets | 68.5971% | 2,008 |
| Net loans and leases to deposits | 91.6412% | 825 |
| Net loans and leases to core deposits | 98.0721% | 1,121 |
| Total domestic deposits to total assets | 74.8540% | 6,666 |
| Equity capital to assets | 17.0317% | 421 |
| Core capital (leverage) ratio | 10.4241% | 2,842 |
| Tier 1 risk-based capital ratio | 15.4231% | 3,487 |
| Total risk-based capital ratio | 16.6924% | 3,448 |
| Memoranda: | ||
| Average total assets | $159,712,000 | 3,692 |
| Average earning assets | $142,328,000 | 3,780 |
| Average equity | $26,730,500 | 2,498 |
| Average total loans | $112,317,500 | 3,308 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7473% | 708 |
| Cost of funding earning assets | 1.5015% | 717 |
| Net interest margin | 4.2457% | 1,902 |
| Noninterest income to average assets | 0.2698% | 5,594 |
| Noninterest expense to average assets | 1.9651% | 6,739 |
| Loan and lease loss provision to assets | 0.5634% | 1,853 |
| Net operating income to assets | 1.4874% | 852 |
| Return on assets (ROA) | 1.5100% | 876 |
| Pretax return on assets | 1.5112% | 1,438 |
| Return on Equity (ROE) | 9.2503% | 2,346 |
| Retained earnings to average equity (ytd only) | 1.4995% | 5,142 |
| Net charge-offs to loans | -0.2471% | 7,228 |
| Credit loss provision to net charge-offs | -310.3448% | 6,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7147% | 7,154 |
| Assets per employee ($millions) | 5.5475% | 1,586 |
| Cash dividends to net income (ytd only)* | 83.7894% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 2,618 |
| Loan loss allowance to noncurrent loans | 88.1481% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.9406% | 3,052 |
| Noncurrent loans to loans | 2.1384% | 3,022 |
| Net loans and leases to total assets | 69.3022% | 2,157 |
| Net loans and leases to deposits | 91.3876% | 1,025 |
| Net loans and leases to core deposits | 98.0762% | 1,323 |
| Total domestic deposits to total assets | 75.8332% | 6,506 |
| Equity capital to assets | 16.4460% | 522 |
| Core capital (leverage) ratio | 9.8119% | 3,580 |
| Tier 1 risk-based capital ratio | 14.0846% | 4,266 |
| Total risk-based capital ratio | 15.2104% | 4,308 |
| Memoranda: | ||
| Average total assets | $159,738,200 | 3,634 |
| Average earning assets | $140,988,200 | 3,721 |
| Average equity | $26,074,800 | 2,474 |
| Average total loans | $117,350,400 | 3,230 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8107% | 687 |
| Cost of funding earning assets | 1.5458% | 729 |
| Net interest margin | 4.2648% | 1,851 |
| Noninterest income to average assets | 0.2651% | 5,721 |
| Noninterest expense to average assets | 2.0444% | 6,606 |
| Loan and lease loss provision to assets | 0.6271% | 1,557 |
| Net operating income to assets | 1.3521% | 1,261 |
| Return on assets (ROA) | 1.3822% | 1,273 |
| Pretax return on assets | 1.3839% | 1,988 |
| Return on Equity (ROE) | 8.4835% | 2,826 |
| Retained earnings to average equity (ytd only) | 1.0983% | 5,583 |
| Net charge-offs to loans | 0.4813% | 2,809 |
| Credit loss provision to net charge-offs | 175.6440% | 1,695 |
| Earnings coverage of net charge-offs (x) | 5.5480% | 2,753 |
| Efficiency ratio | 44.5991% | 7,126 |
| Assets per employee ($millions) | 5.5446% | 1,555 |
| Cash dividends to net income (ytd only)* | 87.0541% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 5,910 |
| Loan loss allowance to noncurrent loans | 63.2754% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.8073% | 3,383 |
| Noncurrent loans to loans | 1.7302% | 3,726 |
| Net loans and leases to total assets | 71.6343% | 1,789 |
| Net loans and leases to deposits | 95.8636% | 707 |
| Net loans and leases to core deposits | 103.7937% | 993 |
| Total domestic deposits to total assets | 74.7253% | 6,676 |
| Equity capital to assets | 16.3726% | 573 |
| Core capital (leverage) ratio | 9.6403% | 3,930 |
| Tier 1 risk-based capital ratio | 13.3951% | 4,812 |
| Total risk-based capital ratio | 14.4651% | 4,911 |
| Memoranda: | ||
| Average total assets | $159,453,250 | 3,662 |
| Average earning assets | $140,588,250 | 3,756 |
| Average equity | $25,979,000 | 2,485 |
| Average total loans | $118,279,500 | 3,239 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8535% | 646 |
| Cost of funding earning assets | 1.5848% | 745 |
| Net interest margin | 4.2687% | 1,768 |
| Noninterest income to average assets | 0.2214% | 6,091 |
| Noninterest expense to average assets | 2.1270% | 6,540 |
| Loan and lease loss provision to assets | 0.7547% | 1,233 |
| Net operating income to assets | 1.0842% | 1,916 |
| Return on assets (ROA) | 1.1044% | 1,945 |
| Pretax return on assets | 1.1069% | 2,822 |
| Return on Equity (ROE) | 6.7895% | 3,534 |
| Retained earnings to average equity (ytd only) | -1.4074% | 6,137 |
| Net charge-offs to loans | 0.3062% | 3,345 |
| Credit loss provision to net charge-offs | 329.6703% | 926 |
| Earnings coverage of net charge-offs (x) | 8.0440% | 2,128 |
| Efficiency ratio | 47.2900% | 7,097 |
| Assets per employee ($millions) | 5.5844% | 1,495 |
| Cash dividends to net income (ytd only)* | 120.7289% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 5,560 |
| Loan loss allowance to noncurrent loans | 109.7103% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 3,816 |
| Noncurrent loans to loans | 1.0900% | 4,848 |
| Net loans and leases to total assets | 74.0273% | 1,413 |
| Net loans and leases to deposits | 99.4322% | 519 |
| Net loans and leases to core deposits | 106.9184% | 873 |
| Total domestic deposits to total assets | 74.4500% | 6,789 |
| Equity capital to assets | 16.4910% | 540 |
| Core capital (leverage) ratio | 9.5902% | 3,822 |
| Tier 1 risk-based capital ratio | 12.8833% | 5,018 |
| Total risk-based capital ratio | 14.0134% | 5,091 |
| Memoranda: | ||
| Average total assets | $159,006,670 | 3,695 |
| Average earning assets | $139,575,000 | 3,797 |
| Average equity | $25,863,330 | 2,480 |
| Average total loans | $118,886,670 | 3,250 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8033% | 734 |
| Cost of funding earning assets | 1.6312% | 725 |
| Net interest margin | 4.1721% | 1,994 |
| Noninterest income to average assets | 0.2171% | 6,176 |
| Noninterest expense to average assets | 2.1855% | 6,454 |
| Loan and lease loss provision to assets | 0.7485% | 1,134 |
| Net operating income to assets | 0.9281% | 2,453 |
| Return on assets (ROA) | 0.9281% | 2,511 |
| Pretax return on assets | 0.9331% | 3,391 |
| Return on Equity (ROE) | 5.7447% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.7447% | 2,779 |
| Net charge-offs to loans | 0.4977% | 2,232 |
| Credit loss provision to net charge-offs | 201.3423% | 1,473 |
| Earnings coverage of net charge-offs (x) | 4.5235% | 2,458 |
| Efficiency ratio | 50.0645% | 6,979 |
| Assets per employee ($millions) | 5.3373% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 6,450 |
| Loan loss allowance to noncurrent loans | 62.6133% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.2933% | 2,955 |
| Noncurrent loans to loans | 1.5737% | 4,117 |
| Net loans and leases to total assets | 73.6796% | 1,395 |
| Net loans and leases to deposits | 100.4983% | 447 |
| Net loans and leases to core deposits | 108.6306% | 807 |
| Total domestic deposits to total assets | 73.3142% | 6,971 |
| Equity capital to assets | 16.2810% | 529 |
| Core capital (leverage) ratio | 9.6430% | 3,604 |
| Tier 1 risk-based capital ratio | 13.0476% | 4,793 |
| Total risk-based capital ratio | 14.0006% | 4,992 |
| Memoranda: | ||
| Average total assets | $160,328,000 | 3,704 |
| Average earning assets | $140,265,000 | 3,813 |
| Average equity | $25,902,000 | 2,458 |
| Average total loans | $119,753,500 | 3,262 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0565% | 762 |
| Cost of funding earning assets | 2.0239% | 557 |
| Net interest margin | 4.0326% | 2,877 |
| Noninterest income to average assets | 0.2988% | 5,659 |
| Noninterest expense to average assets | 1.9944% | 7,032 |
| Loan and lease loss provision to assets | 0.8570% | 1,906 |
| Net operating income to assets | 0.9558% | 2,186 |
| Return on assets (ROA) | 0.9596% | 2,289 |
| Pretax return on assets | 0.9608% | 3,061 |
| Return on Equity (ROE) | 5.9614% | 3,624 |
| Retained earnings to average equity (ytd only) | 5.3322% | 2,231 |
| Net charge-offs to loans | 1.0168% | 2,161 |
| Credit loss provision to net charge-offs | 115.9247% | 3,716 |
| Earnings coverage of net charge-offs (x) | 2.4538% | 3,899 |
| Efficiency ratio | 45.7703% | 7,362 |
| Assets per employee ($millions) | 5.3512% | 1,714 |
| Cash dividends to net income (ytd only)* | 10.5541% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 6,855 |
| Loan loss allowance to noncurrent loans | 57.7314% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 1.9179% | 3,451 |
| Noncurrent loans to loans | 1.4723% | 4,276 |
| Net loans and leases to total assets | 74.3349% | 1,593 |
| Net loans and leases to deposits | 99.0694% | 637 |
| Net loans and leases to core deposits | 106.4873% | 1,159 |
| Total domestic deposits to total assets | 75.0332% | 6,766 |
| Equity capital to assets | 16.0306% | 575 |
| Core capital (leverage) ratio | 9.3067% | 4,000 |
| Tier 1 risk-based capital ratio | 12.5807% | 4,951 |
| Total risk-based capital ratio | 13.3938% | 5,321 |
| Memoranda: | ||
| Average total assets | $157,988,800 | 3,736 |
| Average earning assets | $137,504,800 | 3,866 |
| Average equity | $25,430,200 | 2,509 |
| Average total loans | $114,873,400 | 3,429 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0749% | 799 |
| Cost of funding earning assets | 2.1033% | 533 |
| Net interest margin | 3.9716% | 3,233 |
| Noninterest income to average assets | 0.3118% | 5,661 |
| Noninterest expense to average assets | 1.9904% | 7,065 |
| Loan and lease loss provision to assets | 0.5101% | 2,905 |
| Net operating income to assets | 1.2608% | 1,439 |
| Return on assets (ROA) | 1.2659% | 1,508 |
| Pretax return on assets | 1.2676% | 2,269 |
| Return on Equity (ROE) | 7.8566% | 2,971 |
| Retained earnings to average equity (ytd only) | 7.0151% | 1,837 |
| Net charge-offs to loans | 0.6144% | 2,902 |
| Credit loss provision to net charge-offs | 115.1052% | 3,628 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,223 |
| Efficiency ratio | 46.1833% | 7,376 |
| Assets per employee ($millions) | 5.4814% | 1,635 |
| Cash dividends to net income (ytd only)* | 10.7096% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 6,908 |
| Loan loss allowance to noncurrent loans | 65.1545% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.6188% | 4,018 |
| Noncurrent loans to loans | 1.2922% | 4,695 |
| Net loans and leases to total assets | 70.9750% | 2,496 |
| Net loans and leases to deposits | 95.7794% | 1,008 |
| Net loans and leases to core deposits | 103.3124% | 1,543 |
| Total domestic deposits to total assets | 74.1026% | 6,911 |
| Equity capital to assets | 15.8902% | 700 |
| Core capital (leverage) ratio | 9.0197% | 4,667 |
| Tier 1 risk-based capital ratio | 12.4775% | 5,005 |
| Total risk-based capital ratio | 13.2619% | 5,425 |
| Memoranda: | ||
| Average total assets | $157,351,750 | 3,808 |
| Average earning assets | $136,733,000 | 3,923 |
| Average equity | $25,354,000 | 2,560 |
| Average total loans | $113,502,250 | 3,515 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1477% | 691 |
| Cost of funding earning assets | 2.1802% | 497 |
| Net interest margin | 3.9675% | 3,174 |
| Noninterest income to average assets | 0.2787% | 5,924 |
| Noninterest expense to average assets | 1.9550% | 7,179 |
| Loan and lease loss provision to assets | 0.3871% | 3,399 |
| Net operating income to assets | 1.3743% | 1,142 |
| Return on assets (ROA) | 1.3743% | 1,208 |
| Pretax return on assets | 1.3769% | 1,894 |
| Return on Equity (ROE) | 8.4876% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.4876% | 1,267 |
| Net charge-offs to loans | 0.1409% | 4,821 |
| Credit loss provision to net charge-offs | 379.7468% | 950 |
| Earnings coverage of net charge-offs (x) | 17.3038% | 1,353 |
| Efficiency ratio | 45.6627% | 7,456 |
| Assets per employee ($millions) | 5.2035% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 6,410 |
| Loan loss allowance to noncurrent loans | 352.3077% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.9141% | 5,289 |
| Noncurrent loans to loans | 0.2834% | 6,666 |
| Net loans and leases to total assets | 72.7209% | 2,228 |
| Net loans and leases to deposits | 98.9186% | 803 |
| Net loans and leases to core deposits | 107.4979% | 1,341 |
| Total domestic deposits to total assets | 73.5159% | 7,039 |
| Equity capital to assets | 16.5062% | 595 |
| Core capital (leverage) ratio | 9.2872% | 4,143 |
| Tier 1 risk-based capital ratio | 12.7602% | 4,640 |
| Total risk-based capital ratio | 13.7318% | 4,856 |
| Memoranda: | ||
| Average total assets | $154,988,670 | 3,872 |
| Average earning assets | $134,392,670 | 4,015 |
| Average equity | $25,095,330 | 2,577 |
| Average total loans | $112,102,000 | 3,577 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1115% | 765 |
| Cost of funding earning assets | 2.2428% | 513 |
| Net interest margin | 3.8687% | 3,465 |
| Noninterest income to average assets | 0.2228% | 6,372 |
| Noninterest expense to average assets | 1.9556% | 7,242 |
| Loan and lease loss provision to assets | 0.3885% | 3,030 |
| Net operating income to assets | 1.2200% | 1,489 |
| Return on assets (ROA) | 1.2200% | 1,564 |
| Pretax return on assets | 1.2251% | 2,282 |
| Return on Equity (ROE) | 7.6092% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.6092% | 1,877 |
| Net charge-offs to loans | 0.3032% | 3,205 |
| Credit loss provision to net charge-offs | 178.5714% | 2,046 |
| Earnings coverage of net charge-offs (x) | 7.4167% | 2,093 |
| Efficiency ratio | 47.6052% | 7,469 |
| Assets per employee ($millions) | 5.4508% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 6,867 |
| Loan loss allowance to noncurrent loans | 121.0269% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0182% | 5,123 |
| Noncurrent loans to loans | 0.7352% | 5,853 |
| Net loans and leases to total assets | 72.2548% | 2,398 |
| Net loans and leases to deposits | 98.8818% | 833 |
| Net loans and leases to core deposits | 107.3852% | 1,467 |
| Total domestic deposits to total assets | 73.0719% | 7,152 |
| Equity capital to assets | 16.3890% | 617 |
| Core capital (leverage) ratio | 9.0191% | 4,531 |
| Tier 1 risk-based capital ratio | 12.3083% | 4,895 |
| Total risk-based capital ratio | 13.1461% | 5,252 |
| Memoranda: | ||
| Average total assets | $154,430,500 | 3,938 |
| Average earning assets | $133,584,000 | 4,086 |
| Average equity | $24,759,500 | 2,634 |
| Average total loans | $110,820,000 | 3,665 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2092% | 1,219 |
| Cost of funding earning assets | 2.6198% | 735 |
| Net interest margin | 3.5894% | 4,587 |
| Noninterest income to average assets | 0.2180% | 6,552 |
| Noninterest expense to average assets | 1.9830% | 7,390 |
| Loan and lease loss provision to assets | 0.3403% | 4,761 |
| Net operating income to assets | 1.0098% | 1,802 |
| Return on assets (ROA) | 1.0400% | 1,746 |
| Pretax return on assets | 1.0420% | 2,450 |
| Return on Equity (ROE) | 6.6869% | 2,915 |
| Retained earnings to average equity (ytd only) | 1.7493% | 3,862 |
| Net charge-offs to loans | 0.5466% | 3,598 |
| Credit loss provision to net charge-offs | 89.0572% | 6,038 |
| Earnings coverage of net charge-offs (x) | 3.5387% | 3,301 |
| Efficiency ratio | 51.7840% | 7,404 |
| Assets per employee ($millions) | 5.5800% | 1,581 |
| Cash dividends to net income (ytd only)* | 73.8404% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8372% | 7,024 |
| Loan loss allowance to noncurrent loans | 92.5852% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.9959% | 5,118 |
| Noncurrent loans to loans | 0.9042% | 5,500 |
| Net loans and leases to total assets | 70.0525% | 3,247 |
| Net loans and leases to deposits | 95.5453% | 1,384 |
| Net loans and leases to core deposits | 126.2472% | 1,493 |
| Total domestic deposits to total assets | 73.3186% | 7,115 |
| Equity capital to assets | 15.6848% | 749 |
| Core capital (leverage) ratio | 8.3997% | 5,439 |
| Tier 1 risk-based capital ratio | 11.6634% | 5,236 |
| Total risk-based capital ratio | 12.4310% | 5,697 |
| Memoranda: | ||
| Average total assets | $155,473,600 | 3,871 |
| Average earning assets | $135,009,200 | 3,993 |
| Average equity | $24,181,600 | 2,697 |
| Average total loans | $108,678,400 | 3,724 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1699% | 1,441 |
| Cost of funding earning assets | 2.6802% | 837 |
| Net interest margin | 3.4898% | 4,901 |
| Noninterest income to average assets | 0.2284% | 6,590 |
| Noninterest expense to average assets | 1.9834% | 7,414 |
| Loan and lease loss provision to assets | 0.2825% | 4,719 |
| Net operating income to assets | 0.9986% | 2,061 |
| Return on assets (ROA) | 1.0389% | 2,001 |
| Pretax return on assets | 1.0415% | 2,771 |
| Return on Equity (ROE) | 6.6940% | 3,221 |
| Retained earnings to average equity (ytd only) | 1.9031% | 4,260 |
| Net charge-offs to loans | 0.2143% | 4,689 |
| Credit loss provision to net charge-offs | 189.0805% | 2,406 |
| Earnings coverage of net charge-offs (x) | 8.5921% | 2,221 |
| Efficiency ratio | 52.8515% | 7,343 |
| Assets per employee ($millions) | 5.7856% | 1,362 |
| Cash dividends to net income (ytd only)* | 71.5705% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 6,115 |
| Loan loss allowance to noncurrent loans | 88.4080% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.2457% | 4,574 |
| Noncurrent loans to loans | 1.1643% | 4,995 |
| Net loans and leases to total assets | 67.9015% | 3,984 |
| Net loans and leases to deposits | 92.8536% | 2,085 |
| Net loans and leases to core deposits | 118.3192% | 2,385 |
| Total domestic deposits to total assets | 73.1274% | 7,070 |
| Equity capital to assets | 15.1348% | 966 |
| Core capital (leverage) ratio | 7.9675% | 6,417 |
| Tier 1 risk-based capital ratio | 11.3467% | 5,594 |
| Total risk-based capital ratio | 12.3143% | 5,840 |
| Memoranda: | ||
| Average total assets | $155,282,000 | 3,890 |
| Average earning assets | $135,211,500 | 4,019 |
| Average equity | $24,100,500 | 2,736 |
| Average total loans | $108,254,500 | 3,764 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2557% | 1,320 |
| Cost of funding earning assets | 2.7716% | 854 |
| Net interest margin | 3.4841% | 4,869 |
| Noninterest income to average assets | 0.2548% | 6,453 |
| Noninterest expense to average assets | 2.0635% | 7,348 |
| Loan and lease loss provision to assets | 0.1960% | 5,100 |
| Net operating income to assets | 1.0206% | 2,034 |
| Return on assets (ROA) | 1.0820% | 1,907 |
| Pretax return on assets | 1.0860% | 2,685 |
| Return on Equity (ROE) | 6.9111% | 3,243 |
| Retained earnings to average equity (ytd only) | 2.5040% | 3,938 |
| Net charge-offs to loans | 0.3188% | 3,592 |
| Credit loss provision to net charge-offs | 87.7193% | 4,987 |
| Earnings coverage of net charge-offs (x) | 5.4620% | 2,832 |
| Efficiency ratio | 54.9144% | 7,238 |
| Assets per employee ($millions) | 5.5591% | 1,534 |
| Cash dividends to net income (ytd only)* | 63.7681% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 6,829 |
| Loan loss allowance to noncurrent loans | 265.9341% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8814% | 5,228 |
| Noncurrent loans to loans | 0.3330% | 6,678 |
| Net loans and leases to total assets | 69.5994% | 3,794 |
| Net loans and leases to deposits | 93.9454% | 2,098 |
| Net loans and leases to core deposits | 118.9841% | 2,458 |
| Total domestic deposits to total assets | 74.0850% | 6,944 |
| Equity capital to assets | 15.4695% | 936 |
| Core capital (leverage) ratio | 8.2032% | 5,980 |
| Tier 1 risk-based capital ratio | 11.7251% | 5,169 |
| Total risk-based capital ratio | 12.5617% | 5,483 |
| Memoranda: | ||
| Average total assets | $153,043,330 | 3,947 |
| Average earning assets | $133,063,330 | 4,082 |
| Average equity | $23,961,330 | 2,758 |
| Average total loans | $107,291,670 | 3,826 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2482% | 1,452 |
| Cost of funding earning assets | 2.8635% | 844 |
| Net interest margin | 3.3847% | 5,194 |
| Noninterest income to average assets | 0.2083% | 6,806 |
| Noninterest expense to average assets | 1.8637% | 7,619 |
| Loan and lease loss provision to assets | 0.1977% | 4,464 |
| Net operating income to assets | 1.0847% | 2,015 |
| Return on assets (ROA) | 1.2073% | 1,751 |
| Pretax return on assets | 1.2153% | 2,569 |
| Return on Equity (ROE) | 7.6645% | 3,302 |
| Retained earnings to average equity (ytd only) | 2.8951% | 4,263 |
| Net charge-offs to loans | 0.6435% | 1,891 |
| Credit loss provision to net charge-offs | 43.8596% | 4,764 |
| Earnings coverage of net charge-offs (x) | 2.8596% | 3,353 |
| Efficiency ratio | 50.8361% | 7,523 |
| Assets per employee ($millions) | 5.6203% | 1,456 |
| Cash dividends to net income (ytd only)* | 62.2271% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 7,028 |
| Loan loss allowance to noncurrent loans | 121.6621% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.2020% | 4,268 |
| Noncurrent loans to loans | 0.6866% | 5,689 |
| Net loans and leases to total assets | 69.8557% | 3,704 |
| Net loans and leases to deposits | 95.3428% | 2,062 |
| Net loans and leases to core deposits | 121.3721% | 2,302 |
| Total domestic deposits to total assets | 73.2680% | 7,014 |
| Equity capital to assets | 15.8520% | 898 |
| Core capital (leverage) ratio | 8.2817% | 5,938 |
| Tier 1 risk-based capital ratio | 11.7625% | 5,158 |
| Total risk-based capital ratio | 12.5420% | 5,521 |
| Memoranda: | ||
| Average total assets | $151,737,500 | 3,979 |
| Average earning assets | $132,006,000 | 4,107 |
| Average equity | $23,902,500 | 2,779 |
| Average total loans | $106,286,000 | 3,875 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6383% | 2,299 |
| Cost of funding earning assets | 3.2836% | 969 |
| Net interest margin | 3.3547% | 5,851 |
| Noninterest income to average assets | 0.2033% | 6,991 |
| Noninterest expense to average assets | 1.7604% | 7,799 |
| Loan and lease loss provision to assets | 0.1118% | 5,940 |
| Net operating income to assets | 1.2427% | 1,647 |
| Return on assets (ROA) | 1.2861% | 1,474 |
| Pretax return on assets | 1.2861% | 2,357 |
| Return on Equity (ROE) | 8.0673% | 3,046 |
| Retained earnings to average equity (ytd only) | 1.3941% | 4,381 |
| Net charge-offs to loans | 0.0895% | 5,464 |
| Credit loss provision to net charge-offs | 183.3333% | 2,718 |
| Earnings coverage of net charge-offs (x) | 22.2111% | 1,483 |
| Efficiency ratio | 47.8791% | 7,818 |
| Assets per employee ($millions) | 5.4189% | 1,522 |
| Cash dividends to net income (ytd only)* | 82.7187% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 6,470 |
| Loan loss allowance to noncurrent loans | 99.4970% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.0229% | 4,272 |
| Noncurrent loans to loans | 0.9406% | 4,732 |
| Net loans and leases to total assets | 68.9958% | 4,256 |
| Net loans and leases to deposits | 95.3833% | 2,548 |
| Net loans and leases to core deposits | 118.1638% | 2,865 |
| Total domestic deposits to total assets | 72.3354% | 6,941 |
| Equity capital to assets | 15.6530% | 1,013 |
| Core capital (leverage) ratio | 8.0862% | 6,345 |
| Tier 1 risk-based capital ratio | 11.3797% | 5,351 |
| Total risk-based capital ratio | 12.2490% | 5,625 |
| Memoranda: | ||
| Average total assets | $147,576,600 | 3,944 |
| Average earning assets | $128,090,600 | 4,081 |
| Average equity | $23,527,000 | 2,785 |
| Average total loans | $100,515,600 | 3,930 |