Home > Wake Forest Federal Savings and Loan Association > Performance and Condition Ratios
Wake Forest Federal Savings and Loan Association, 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 | 5.5113% | 1,140 |
| Cost of funding earning assets | 1.3357% | 2,403 |
| Net interest margin | 4.1756% | 970 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 3.2948% | 742 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7975% | 2,877 |
| Return on assets (ROA) | 0.8001% | 2,854 |
| Pretax return on assets | 1.0216% | 2,610 |
| Return on Equity (ROE) | 3.5500% | 3,948 |
| Retained earnings to average equity (ytd only) | 2.2239% | 3,525 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.7659% | 1,267 |
| Assets per employee ($millions) | 17.4693% | 142 |
| Cash dividends to net income (ytd only)* | 37.4337% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 1,910 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.7600% | 2,867 |
| Net loans and leases to deposits | 77.7565% | 2,291 |
| Net loans and leases to core deposits | 92.0764% | 1,895 |
| Total domestic deposits to total assets | 76.8600% | 3,859 |
| Equity capital to assets | 21.8809% | 244 |
| Core capital (leverage) ratio | 21.8099% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $117,853,800 | 3,673 |
| Average earning assets | $112,224,600 | 3,625 |
| Average equity | $26,529,400 | 2,430 |
| Average total loans | $71,159,800 | 3,533 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4252% | 1,097 |
| Cost of funding earning assets | 1.2067% | 2,410 |
| Net interest margin | 4.2185% | 894 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.0306% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8826% | 577 |
| Return on assets (ROA) | 1.8844% | 567 |
| Pretax return on assets | 2.4440% | 409 |
| Return on Equity (ROE) | 8.3100% | 3,106 |
| Retained earnings to average equity (ytd only) | 6.5324% | 2,449 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.4035% | 4,166 |
| Assets per employee ($millions) | 15.1491% | 191 |
| Cash dividends to net income (ytd only)* | 21.3939% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9861% | 395 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.3900% | 2,995 |
| Net loans and leases to deposits | 76.0290% | 2,408 |
| Net loans and leases to core deposits | 89.0834% | 1,990 |
| Total domestic deposits to total assets | 76.8000% | 3,949 |
| Equity capital to assets | 22.4757% | 228 |
| Core capital (leverage) ratio | 23.1001% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $116,746,000 | 3,694 |
| Average earning assets | $110,716,000 | 3,653 |
| Average equity | $26,472,500 | 2,421 |
| Average total loans | $70,444,000 | 3,548 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3171% | 1,061 |
| Cost of funding earning assets | 1.0525% | 2,449 |
| Net interest margin | 4.2646% | 846 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.0041% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7070% | 768 |
| Return on assets (ROA) | 1.7057% | 772 |
| Pretax return on assets | 2.1533% | 576 |
| Return on Equity (ROE) | 7.5000% | 3,363 |
| Retained earnings to average equity (ytd only) | 5.7062% | 2,727 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.1852% | 4,052 |
| Assets per employee ($millions) | 14.8250% | 204 |
| Cash dividends to net income (ytd only)* | 23.9064% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9890% | 425 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 59.5800% | 2,813 |
| Net loans and leases to deposits | 78.0865% | 2,123 |
| Net loans and leases to core deposits | 90.8194% | 1,746 |
| Total domestic deposits to total assets | 76.3000% | 4,018 |
| Equity capital to assets | 22.3769% | 220 |
| Core capital (leverage) ratio | 22.3701% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $115,263,667 | 3,722 |
| Average earning assets | $109,458,333 | 3,675 |
| Average equity | $26,217,000 | 2,451 |
| Average total loans | $69,858,333 | 3,570 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0940% | 1,096 |
| Cost of funding earning assets | 0.8751% | 2,453 |
| Net interest margin | 4.2190% | 919 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.9719% | 3,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7078% | 809 |
| Return on assets (ROA) | 1.7078% | 804 |
| Pretax return on assets | 2.1163% | 640 |
| Return on Equity (ROE) | 7.4500% | 3,420 |
| Retained earnings to average equity (ytd only) | 5.6340% | 2,862 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.2343% | 4,067 |
| Assets per employee ($millions) | 14.7320% | 218 |
| Cash dividends to net income (ytd only)* | 24.3299% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0499% | 400 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.1400% | 2,860 |
| Net loans and leases to deposits | 75.8880% | 2,129 |
| Net loans and leases to core deposits | 85.0092% | 1,928 |
| Total domestic deposits to total assets | 76.6100% | 4,112 |
| Equity capital to assets | 22.2729% | 187 |
| Core capital (leverage) ratio | 23.3826% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $113,595,500 | 3,785 |
| Average earning assets | $107,420,000 | 3,743 |
| Average equity | $26,056,000 | 2,482 |
| Average total loans | $68,739,500 | 3,629 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 1,904 |
| Cost of funding earning assets | 0.3506% | 2,468 |
| Net interest margin | 3.5817% | 1,694 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.7694% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3769% | 1,185 |
| Return on assets (ROA) | 1.3741% | 1,156 |
| Pretax return on assets | 1.7981% | 738 |
| Return on Equity (ROE) | 6.0100% | 3,823 |
| Retained earnings to average equity (ytd only) | 0.5138% | 4,271 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.5482% | 4,152 |
| Assets per employee ($millions) | 13.6669% | 265 |
| Cash dividends to net income (ytd only)* | 91.4547% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1237% | 346 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 60.4500% | 2,599 |
| Net loans and leases to deposits | 80.4722% | 1,738 |
| Net loans and leases to core deposits | 87.6016% | 1,641 |
| Total domestic deposits to total assets | 75.1200% | 4,307 |
| Equity capital to assets | 23.6539% | 165 |
| Core capital (leverage) ratio | 23.1188% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $111,564,600 | 3,814 |
| Average earning assets | $105,256,800 | 3,787 |
| Average equity | $25,494,400 | 2,558 |
| Average total loans | $67,065,600 | 3,625 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6354% | 2,242 |
| Cost of funding earning assets | 0.2899% | 2,280 |
| Net interest margin | 3.3455% | 2,155 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.7100% | 4,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2609% | 1,491 |
| Return on assets (ROA) | 1.2581% | 1,467 |
| Pretax return on assets | 1.6589% | 981 |
| Return on Equity (ROE) | 5.5500% | 3,877 |
| Retained earnings to average equity (ytd only) | -1.1862% | 4,436 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.7052% | 4,115 |
| Assets per employee ($millions) | 14.2814% | 230 |
| Cash dividends to net income (ytd only)* | 121.3611% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1171% | 398 |
| Loan loss allowance to noncurrent loans | 1,525.5319% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 3,091 |
| Noncurrent loans to loans | 0.1388% | 2,936 |
| Net loans and leases to total assets | 58.0300% | 2,693 |
| Net loans and leases to deposits | 75.6884% | 1,905 |
| Net loans and leases to core deposits | 81.3936% | 1,805 |
| Total domestic deposits to total assets | 76.6700% | 4,337 |
| Equity capital to assets | 22.3140% | 172 |
| Core capital (leverage) ratio | 22.6368% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $112,122,000 | 3,834 |
| Average earning assets | $105,772,000 | 3,797 |
| Average equity | $25,402,500 | 2,603 |
| Average total loans | $66,950,750 | 3,648 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4154% | 2,388 |
| Cost of funding earning assets | 0.2722% | 2,001 |
| Net interest margin | 3.1432% | 2,391 |
| Noninterest income to average assets | 0.2836% | 3,476 |
| Noninterest expense to average assets | 1.7179% | 4,113 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1890% | 1,463 |
| Return on assets (ROA) | 1.1848% | 1,457 |
| Pretax return on assets | 1.5241% | 1,111 |
| Return on Equity (ROE) | 5.2026% | 3,775 |
| Retained earnings to average equity (ytd only) | -4.0754% | 4,501 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9022% | 4,051 |
| Assets per employee ($millions) | 14.2028% | 226 |
| Cash dividends to net income (ytd only)* | 178.3333% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0888% | 459 |
| Loan loss allowance to noncurrent loans | 1,525.5319% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 3,154 |
| Noncurrent loans to loans | 0.1369% | 3,022 |
| Net loans and leases to total assets | 59.1602% | 2,421 |
| Net loans and leases to deposits | 77.1878% | 1,595 |
| Net loans and leases to core deposits | 82.6334% | 1,550 |
| Total domestic deposits to total assets | 76.6445% | 4,426 |
| Equity capital to assets | 22.2343% | 128 |
| Core capital (leverage) ratio | 22.1902% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,412,333 | 3,885 |
| Average earning assets | $105,053,667 | 3,857 |
| Average equity | $25,372,000 | 2,656 |
| Average total loans | $66,689,667 | 3,680 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3459% | 2,256 |
| Cost of funding earning assets | 0.2915% | 1,736 |
| Net interest margin | 3.0544% | 2,313 |
| Noninterest income to average assets | 0.0834% | 4,561 |
| Noninterest expense to average assets | 1.5557% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0726% | 1,610 |
| Return on assets (ROA) | 1.0697% | 1,613 |
| Pretax return on assets | 1.3743% | 1,316 |
| Return on Equity (ROE) | 4.6408% | 3,718 |
| Retained earnings to average equity (ytd only) | -12.1920% | 4,601 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0284% | 4,121 |
| Assets per employee ($millions) | 14.0413% | 242 |
| Cash dividends to net income (ytd only)* | 362.7119% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1571% | 474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.9035% | 2,312 |
| Net loans and leases to deposits | 76.3165% | 1,417 |
| Net loans and leases to core deposits | 81.4504% | 1,386 |
| Total domestic deposits to total assets | 75.8729% | 4,509 |
| Equity capital to assets | 22.2585% | 116 |
| Core capital (leverage) ratio | 22.4229% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,307,500 | 3,913 |
| Average earning assets | $102,932,000 | 3,899 |
| Average equity | $25,426,500 | 2,743 |
| Average total loans | $65,708,000 | 3,704 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5832% | 2,434 |
| Cost of funding earning assets | 0.4196% | 1,394 |
| Net interest margin | 3.1636% | 2,695 |
| Noninterest income to average assets | 0.0955% | 4,627 |
| Noninterest expense to average assets | 1.6128% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1614% | 2,054 |
| Return on assets (ROA) | 1.1528% | 2,153 |
| Pretax return on assets | 1.4810% | 1,788 |
| Return on Equity (ROE) | 4.9881% | 4,002 |
| Retained earnings to average equity (ytd only) | 3.2847% | 3,502 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9473% | 4,121 |
| Assets per employee ($millions) | 13.5356% | 271 |
| Cash dividends to net income (ytd only)* | 34.1483% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2082% | 447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 58.6462% | 2,311 |
| Net loans and leases to deposits | 78.2968% | 1,373 |
| Net loans and leases to core deposits | 83.6087% | 1,353 |
| Total domestic deposits to total assets | 74.9023% | 4,557 |
| Equity capital to assets | 23.8722% | 111 |
| Core capital (leverage) ratio | 23.3375% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,996,800 | 3,892 |
| Average earning assets | $104,628,200 | 3,859 |
| Average equity | $25,420,600 | 2,821 |
| Average total loans | $67,760,800 | 3,692 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5496% | 2,696 |
| Cost of funding earning assets | 0.4489% | 1,357 |
| Net interest margin | 3.1007% | 3,053 |
| Noninterest income to average assets | 0.0930% | 4,695 |
| Noninterest expense to average assets | 1.5926% | 4,472 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1356% | 2,418 |
| Return on assets (ROA) | 1.1241% | 2,529 |
| Pretax return on assets | 1.4465% | 2,164 |
| Return on Equity (ROE) | 4.9038% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.1867% | 3,834 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1550% | 4,013 |
| Assets per employee ($millions) | 13.8099% | 257 |
| Cash dividends to net income (ytd only)* | 35.0161% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0582% | 576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.7656% | 2,033 |
| Net loans and leases to deposits | 81.5542% | 1,151 |
| Net loans and leases to core deposits | 87.2642% | 1,202 |
| Total domestic deposits to total assets | 75.7357% | 4,558 |
| Equity capital to assets | 23.1935% | 118 |
| Core capital (leverage) ratio | 22.8159% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,424,750 | 3,938 |
| Average earning assets | $105,436,000 | 3,896 |
| Average equity | $25,313,250 | 2,857 |
| Average total loans | $68,466,250 | 3,731 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5898% | 2,660 |
| Cost of funding earning assets | 0.4791% | 1,334 |
| Net interest margin | 3.1106% | 3,003 |
| Noninterest income to average assets | 0.0779% | 4,766 |
| Noninterest expense to average assets | 1.6177% | 4,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1078% | 2,515 |
| Return on assets (ROA) | 1.0978% | 2,625 |
| Pretax return on assets | 1.4111% | 2,297 |
| Return on Equity (ROE) | 4.8077% | 4,167 |
| Retained earnings to average equity (ytd only) | 3.0703% | 3,816 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1864% | 3,905 |
| Assets per employee ($millions) | 13.9811% | 235 |
| Cash dividends to net income (ytd only)* | 36.1386% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0896% | 515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.0747% | 2,418 |
| Net loans and leases to deposits | 78.8910% | 1,531 |
| Net loans and leases to core deposits | 84.5908% | 1,522 |
| Total domestic deposits to total assets | 76.1491% | 4,554 |
| Equity capital to assets | 22.7154% | 117 |
| Core capital (leverage) ratio | 22.8543% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,406,667 | 3,957 |
| Average earning assets | $105,188,333 | 3,921 |
| Average equity | $25,209,667 | 2,862 |
| Average total loans | $68,064,333 | 3,760 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5905% | 2,671 |
| Cost of funding earning assets | 0.5091% | 1,334 |
| Net interest margin | 3.0814% | 3,049 |
| Noninterest income to average assets | 0.0839% | 4,752 |
| Noninterest expense to average assets | 1.6848% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0378% | 2,678 |
| Return on assets (ROA) | 1.0320% | 2,786 |
| Pretax return on assets | 1.3274% | 2,494 |
| Return on Equity (ROE) | 4.5080% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.7558% | 3,855 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7971% | 3,567 |
| Assets per employee ($millions) | 13.8194% | 246 |
| Cash dividends to net income (ytd only)* | 38.8693% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1114% | 486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 60.1348% | 2,529 |
| Net loans and leases to deposits | 79.0220% | 1,610 |
| Net loans and leases to core deposits | 84.7920% | 1,607 |
| Total domestic deposits to total assets | 76.0988% | 4,579 |
| Equity capital to assets | 22.7896% | 116 |
| Core capital (leverage) ratio | 23.0348% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,685,500 | 3,974 |
| Average earning assets | $104,498,500 | 3,929 |
| Average equity | $25,111,000 | 2,864 |
| Average total loans | $67,783,000 | 3,779 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 2,769 |
| Cost of funding earning assets | 0.7993% | 1,215 |
| Net interest margin | 3.1892% | 3,390 |
| Noninterest income to average assets | 0.0842% | 4,787 |
| Noninterest expense to average assets | 1.7670% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0505% | 2,102 |
| Return on assets (ROA) | 1.0610% | 2,202 |
| Pretax return on assets | 1.3629% | 1,779 |
| Return on Equity (ROE) | 4.5431% | 4,013 |
| Retained earnings to average equity (ytd only) | 2.8977% | 3,419 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6960% | 3,896 |
| Assets per employee ($millions) | 13.6020% | 232 |
| Cash dividends to net income (ytd only)* | 36.2177% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1197% | 479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 60.8513% | 2,751 |
| Net loans and leases to deposits | 80.2715% | 1,835 |
| Net loans and leases to core deposits | 86.2401% | 1,849 |
| Total domestic deposits to total assets | 75.8069% | 4,520 |
| Equity capital to assets | 22.9994% | 118 |
| Core capital (leverage) ratio | 23.0989% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,656,800 | 3,922 |
| Average earning assets | $100,465,200 | 3,888 |
| Average equity | $24,674,600 | 2,829 |
| Average total loans | $67,476,200 | 3,788 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 2,744 |
| Cost of funding earning assets | 0.8667% | 1,189 |
| Net interest margin | 3.2079% | 3,468 |
| Noninterest income to average assets | 0.0814% | 4,818 |
| Noninterest expense to average assets | 1.8029% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0277% | 2,226 |
| Return on assets (ROA) | 1.0388% | 2,317 |
| Pretax return on assets | 1.3324% | 1,931 |
| Return on Equity (ROE) | 4.4305% | 4,052 |
| Retained earnings to average equity (ytd only) | 2.8199% | 3,595 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7597% | 3,697 |
| Assets per employee ($millions) | 13.4311% | 231 |
| Cash dividends to net income (ytd only)* | 36.3525% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0953% | 423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 62.3589% | 2,961 |
| Net loans and leases to deposits | 82.2518% | 2,069 |
| Net loans and leases to core deposits | 88.4506% | 2,109 |
| Total domestic deposits to total assets | 75.8146% | 4,443 |
| Equity capital to assets | 23.1273% | 123 |
| Core capital (leverage) ratio | 23.1608% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,867,000 | 3,931 |
| Average earning assets | $99,376,500 | 3,901 |
| Average equity | $24,586,500 | 2,819 |
| Average total loans | $67,432,750 | 3,799 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 2,816 |
| Cost of funding earning assets | 0.9296% | 1,239 |
| Net interest margin | 3.2536% | 3,513 |
| Noninterest income to average assets | 0.0654% | 4,878 |
| Noninterest expense to average assets | 1.7768% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0557% | 2,124 |
| Return on assets (ROA) | 1.0557% | 2,256 |
| Pretax return on assets | 1.3576% | 1,842 |
| Return on Equity (ROE) | 4.4819% | 3,981 |
| Retained earnings to average equity (ytd only) | 2.8573% | 3,443 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6871% | 3,863 |
| Assets per employee ($millions) | 13.2485% | 239 |
| Cash dividends to net income (ytd only)* | 36.2477% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1477% | 361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 61.6447% | 3,159 |
| Net loans and leases to deposits | 81.5650% | 2,252 |
| Net loans and leases to core deposits | 88.0919% | 2,238 |
| Total domestic deposits to total assets | 75.5774% | 4,469 |
| Equity capital to assets | 23.2951% | 121 |
| Core capital (leverage) ratio | 23.5001% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,006,333 | 3,941 |
| Average earning assets | $98,106,667 | 3,906 |
| Average equity | $24,498,667 | 2,812 |
| Average total loans | $67,097,667 | 3,812 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 2,565 |
| Cost of funding earning assets | 0.9984% | 1,428 |
| Net interest margin | 3.4160% | 3,246 |
| Noninterest income to average assets | 0.0777% | 4,901 |
| Noninterest expense to average assets | 1.8211% | 4,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1455% | 1,700 |
| Return on assets (ROA) | 1.1455% | 1,806 |
| Pretax return on assets | 1.4716% | 1,381 |
| Return on Equity (ROE) | 4.8355% | 3,690 |
| Retained earnings to average equity (ytd only) | 3.2127% | 2,993 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3066% | 4,282 |
| Assets per employee ($millions) | 13.0276% | 188 |
| Cash dividends to net income (ytd only)* | 33.5593% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1411% | 407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 62.8875% | 3,202 |
| Net loans and leases to deposits | 83.4739% | 2,287 |
| Net loans and leases to core deposits | 90.3268% | 2,311 |
| Total domestic deposits to total assets | 75.3380% | 4,550 |
| Equity capital to assets | 23.5212% | 136 |
| Core capital (leverage) ratio | 23.7352% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,015,500 | 3,946 |
| Average earning assets | $96,955,000 | 3,912 |
| Average equity | $24,403,000 | 2,817 |
| Average total loans | $67,261,500 | 3,816 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 2,234 |
| Cost of funding earning assets | 1.0179% | 1,648 |
| Net interest margin | 3.7141% | 2,773 |
| Noninterest income to average assets | 0.0948% | 4,941 |
| Noninterest expense to average assets | 1.6860% | 4,887 |
| Loan and lease loss provision to assets | 0.0145% | 3,723 |
| Net operating income to assets | 1.5003% | 1,053 |
| Return on assets (ROA) | 1.5003% | 1,119 |
| Pretax return on assets | 1.9414% | 676 |
| Return on Equity (ROE) | 6.5412% | 3,730 |
| Retained earnings to average equity (ytd only) | 5.0060% | 2,410 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2948% | 4,903 |
| Assets per employee ($millions) | 12.7263% | 187 |
| Cash dividends to net income (ytd only)* | 23.4687% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1230% | 383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 64.9376% | 3,078 |
| Net loans and leases to deposits | 86.7795% | 1,998 |
| Net loans and leases to core deposits | 94.1110% | 2,052 |
| Total domestic deposits to total assets | 74.8306% | 4,714 |
| Equity capital to assets | 23.8601% | 137 |
| Core capital (leverage) ratio | 23.6023% | 143 |
| Tier 1 risk-based capital ratio | 39.4142% | 249 |
| Total risk-based capital ratio | 40.6774% | 248 |
| Memoranda: | ||
| Average total assets | $103,381,600 | 3,945 |
| Average earning assets | $98,730,800 | 3,895 |
| Average equity | $23,711,400 | 2,821 |
| Average total loans | $67,205,200 | 3,832 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 2,372 |
| Cost of funding earning assets | 0.9934% | 1,794 |
| Net interest margin | 3.7207% | 2,850 |
| Noninterest income to average assets | 0.0925% | 5,013 |
| Noninterest expense to average assets | 1.6407% | 4,978 |
| Loan and lease loss provision to assets | 0.0193% | 3,523 |
| Net operating income to assets | 1.5456% | 1,074 |
| Return on assets (ROA) | 1.5456% | 1,127 |
| Pretax return on assets | 2.0030% | 680 |
| Return on Equity (ROE) | 6.8062% | 3,765 |
| Retained earnings to average equity (ytd only) | 5.3069% | 2,727 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7913% | 4,983 |
| Assets per employee ($millions) | 13.0475% | 168 |
| Cash dividends to net income (ytd only)* | 22.0280% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0937% | 396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 64.2422% | 3,264 |
| Net loans and leases to deposits | 84.6506% | 2,361 |
| Net loans and leases to core deposits | 91.4878% | 2,417 |
| Total domestic deposits to total assets | 75.8910% | 4,660 |
| Equity capital to assets | 23.0408% | 162 |
| Core capital (leverage) ratio | 23.2240% | 151 |
| Tier 1 risk-based capital ratio | 37.6975% | 286 |
| Total risk-based capital ratio | 38.9604% | 282 |
| Memoranda: | ||
| Average total assets | $103,774,500 | 3,981 |
| Average earning assets | $99,584,250 | 3,909 |
| Average equity | $23,566,250 | 2,843 |
| Average total loans | $67,119,750 | 3,872 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6950% | 2,374 |
| Cost of funding earning assets | 0.9699% | 1,828 |
| Net interest margin | 3.7251% | 2,859 |
| Noninterest income to average assets | 0.1062% | 5,011 |
| Noninterest expense to average assets | 1.6916% | 4,983 |
| Loan and lease loss provision to assets | 0.0290% | 3,239 |
| Net operating income to assets | 1.5178% | 1,101 |
| Return on assets (ROA) | 1.5178% | 1,149 |
| Pretax return on assets | 1.9677% | 723 |
| Return on Equity (ROE) | 6.7165% | 3,783 |
| Retained earnings to average equity (ytd only) | 5.2126% | 2,663 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8639% | 4,994 |
| Assets per employee ($millions) | 12.7971% | 170 |
| Cash dividends to net income (ytd only)* | 22.3919% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1360% | 367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 64.1755% | 3,319 |
| Net loans and leases to deposits | 84.8576% | 2,387 |
| Net loans and leases to core deposits | 91.5425% | 2,459 |
| Total domestic deposits to total assets | 75.6273% | 4,710 |
| Equity capital to assets | 23.1644% | 158 |
| Core capital (leverage) ratio | 22.9985% | 152 |
| Tier 1 risk-based capital ratio | 38.8512% | 256 |
| Total risk-based capital ratio | 40.1151% | 250 |
| Memoranda: | ||
| Average total assets | $103,572,670 | 4,008 |
| Average earning assets | $99,595,000 | 3,933 |
| Average equity | $23,405,000 | 2,848 |
| Average total loans | $66,663,000 | 3,912 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 2,539 |
| Cost of funding earning assets | 0.9393% | 1,840 |
| Net interest margin | 3.6573% | 3,054 |
| Noninterest income to average assets | 0.1152% | 5,028 |
| Noninterest expense to average assets | 1.6895% | 5,027 |
| Loan and lease loss provision to assets | 0.0576% | 2,509 |
| Net operating income to assets | 1.4515% | 1,226 |
| Return on assets (ROA) | 1.4515% | 1,257 |
| Pretax return on assets | 1.8815% | 826 |
| Return on Equity (ROE) | 6.5032% | 3,843 |
| Retained earnings to average equity (ytd only) | 4.9892% | 2,912 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5608% | 5,003 |
| Assets per employee ($millions) | 13.0050% | 163 |
| Cash dividends to net income (ytd only)* | 23.2804% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1073% | 415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 64.0292% | 3,282 |
| Net loans and leases to deposits | 83.8897% | 2,400 |
| Net loans and leases to core deposits | 90.2925% | 2,468 |
| Total domestic deposits to total assets | 76.3255% | 4,727 |
| Equity capital to assets | 22.4933% | 162 |
| Core capital (leverage) ratio | 22.4482% | 162 |
| Tier 1 risk-based capital ratio | 37.3714% | 268 |
| Total risk-based capital ratio | 38.6337% | 263 |
| Memoranda: | ||
| Average total assets | $104,170,500 | 4,034 |
| Average earning assets | $100,074,000 | 3,967 |
| Average equity | $23,250,000 | 2,861 |
| Average total loans | $66,427,000 | 3,957 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 3,108 |
| Cost of funding earning assets | 0.8034% | 1,508 |
| Net interest margin | 3.4972% | 3,715 |
| Noninterest income to average assets | 0.0834% | 5,197 |
| Noninterest expense to average assets | 1.6340% | 5,143 |
| Loan and lease loss provision to assets | 0.0144% | 3,857 |
| Net operating income to assets | 1.3655% | 1,551 |
| Return on assets (ROA) | 1.3655% | 1,538 |
| Pretax return on assets | 1.8037% | 906 |
| Return on Equity (ROE) | 6.0853% | 4,145 |
| Retained earnings to average equity (ytd only) | -0.4359% | 5,035 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3333% | 5,074 |
| Assets per employee ($millions) | 13.0376% | 157 |
| Cash dividends to net income (ytd only)* | 107.1629% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1897% | 336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 60.7712% | 3,688 |
| Net loans and leases to deposits | 79.4079% | 3,017 |
| Net loans and leases to core deposits | 84.4818% | 3,036 |
| Total domestic deposits to total assets | 76.5304% | 4,691 |
| Equity capital to assets | 22.1455% | 168 |
| Core capital (leverage) ratio | 22.0155% | 165 |
| Tier 1 risk-based capital ratio | 37.5067% | 264 |
| Total risk-based capital ratio | 38.7702% | 263 |
| Memoranda: | ||
| Average total assets | $104,283,600 | 4,029 |
| Average earning assets | $100,452,000 | 3,968 |
| Average equity | $23,400,600 | 2,782 |
| Average total loans | $62,863,200 | 4,028 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 3,367 |
| Cost of funding earning assets | 0.7630% | 1,518 |
| Net interest margin | 3.4233% | 3,934 |
| Noninterest income to average assets | 0.0793% | 5,275 |
| Noninterest expense to average assets | 1.6404% | 5,181 |
| Loan and lease loss provision to assets | 0.0192% | 3,623 |
| Net operating income to assets | 1.2863% | 1,909 |
| Return on assets (ROA) | 1.2863% | 1,912 |
| Pretax return on assets | 1.7184% | 1,229 |
| Return on Equity (ROE) | 5.7134% | 4,353 |
| Retained earnings to average equity (ytd only) | 3.2372% | 4,122 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5617% | 5,026 |
| Assets per employee ($millions) | 12.9809% | 156 |
| Cash dividends to net income (ytd only)* | 43.3400% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2211% | 349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 60.1529% | 3,824 |
| Net loans and leases to deposits | 79.2095% | 3,121 |
| Net loans and leases to core deposits | 83.5780% | 3,189 |
| Total domestic deposits to total assets | 75.9415% | 4,793 |
| Equity capital to assets | 22.8731% | 145 |
| Core capital (leverage) ratio | 22.7899% | 143 |
| Tier 1 risk-based capital ratio | 39.0125% | 248 |
| Total risk-based capital ratio | 40.2756% | 245 |
| Memoranda: | ||
| Average total assets | $104,279,250 | 4,068 |
| Average earning assets | $100,484,250 | 4,007 |
| Average equity | $23,476,250 | 2,790 |
| Average total loans | $62,378,000 | 4,075 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 3,475 |
| Cost of funding earning assets | 0.7472% | 1,379 |
| Net interest margin | 3.3464% | 4,114 |
| Noninterest income to average assets | 0.0766% | 5,334 |
| Noninterest expense to average assets | 1.6318% | 5,245 |
| Loan and lease loss provision to assets | 0.0287% | 3,336 |
| Net operating income to assets | 1.2334% | 2,043 |
| Return on assets (ROA) | 1.2334% | 2,040 |
| Pretax return on assets | 1.6414% | 1,372 |
| Return on Equity (ROE) | 5.5080% | 4,407 |
| Retained earnings to average equity (ytd only) | 3.3100% | 3,921 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4200% | 5,056 |
| Assets per employee ($millions) | 13.0989% | 145 |
| Cash dividends to net income (ytd only)* | 39.9068% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2244% | 358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 59.5223% | 3,849 |
| Net loans and leases to deposits | 78.0192% | 3,156 |
| Net loans and leases to core deposits | 81.9794% | 3,242 |
| Total domestic deposits to total assets | 76.2919% | 4,829 |
| Equity capital to assets | 22.4962% | 154 |
| Core capital (leverage) ratio | 22.4879% | 146 |
| Tier 1 risk-based capital ratio | 38.4571% | 257 |
| Total risk-based capital ratio | 39.7200% | 250 |
| Memoranda: | ||
| Average total assets | $104,423,330 | 4,104 |
| Average earning assets | $100,646,330 | 4,038 |
| Average equity | $23,384,000 | 2,807 |
| Average total loans | $61,875,330 | 4,119 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 3,644 |
| Cost of funding earning assets | 0.7239% | 1,323 |
| Net interest margin | 3.2654% | 4,280 |
| Noninterest income to average assets | 0.0806% | 5,394 |
| Noninterest expense to average assets | 1.6731% | 5,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1934% | 2,036 |
| Return on assets (ROA) | 1.1934% | 2,051 |
| Pretax return on assets | 1.5580% | 1,506 |
| Return on Equity (ROE) | 5.3416% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.1259% | 3,954 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7815% | 4,977 |
| Assets per employee ($millions) | 13.0411% | 153 |
| Cash dividends to net income (ytd only)* | 41.4791% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2379% | 363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.7881% | 3,875 |
| Net loans and leases to deposits | 76.9037% | 3,122 |
| Net loans and leases to core deposits | 81.4310% | 3,198 |
| Total domestic deposits to total assets | 76.4438% | 4,925 |
| Equity capital to assets | 22.4032% | 149 |
| Core capital (leverage) ratio | 22.4098% | 141 |
| Tier 1 risk-based capital ratio | 38.7078% | 245 |
| Total risk-based capital ratio | 39.9715% | 242 |
| Memoranda: | ||
| Average total assets | $104,239,500 | 4,159 |
| Average earning assets | $100,568,500 | 4,085 |
| Average equity | $23,289,000 | 2,836 |
| Average total loans | $60,916,500 | 4,181 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7257% | 4,275 |
| Cost of funding earning assets | 0.7169% | 937 |
| Net interest margin | 3.0089% | 4,868 |
| Noninterest income to average assets | 0.0788% | 5,465 |
| Noninterest expense to average assets | 1.6683% | 5,363 |
| Loan and lease loss provision to assets | -0.1519% | 5,539 |
| Net operating income to assets | 0.7159% | 3,534 |
| Return on assets (ROA) | 0.7159% | 3,582 |
| Pretax return on assets | 1.4518% | 1,811 |
| Return on Equity (ROE) | 3.2618% | 4,758 |
| Retained earnings to average equity (ytd only) | 0.5191% | 4,828 |
| Net charge-offs to loans | -0.1341% | 5,441 |
| Credit loss provision to net charge-offs | 213.3333% | 1,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2060% | 4,751 |
| Assets per employee ($millions) | 13.0188% | 143 |
| Cash dividends to net income (ytd only)* | 84.0849% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3758% | 288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.3932% | 4,239 |
| Net loans and leases to deposits | 72.3683% | 3,667 |
| Net loans and leases to core deposits | 76.8970% | 3,676 |
| Total domestic deposits to total assets | 76.5434% | 4,916 |
| Equity capital to assets | 22.2804% | 144 |
| Core capital (leverage) ratio | 21.8890% | 148 |
| Tier 1 risk-based capital ratio | 40.3240% | 210 |
| Total risk-based capital ratio | 41.5896% | 207 |
| Memoranda: | ||
| Average total assets | $105,315,400 | 4,150 |
| Average earning assets | $101,134,400 | 4,078 |
| Average equity | $23,116,000 | 2,851 |
| Average total loans | $55,949,200 | 4,292 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 4,356 |
| Cost of funding earning assets | 0.7060% | 934 |
| Net interest margin | 2.9817% | 4,960 |
| Noninterest income to average assets | 0.0656% | 5,568 |
| Noninterest expense to average assets | 1.6867% | 5,383 |
| Loan and lease loss provision to assets | -0.2020% | 5,655 |
| Net operating income to assets | 0.9204% | 2,923 |
| Return on assets (ROA) | 0.9204% | 2,985 |
| Pretax return on assets | 1.4443% | 1,961 |
| Return on Equity (ROE) | 4.2088% | 4,789 |
| Retained earnings to average equity (ytd only) | 1.2933% | 4,887 |
| Net charge-offs to loans | -0.1813% | 5,515 |
| Credit loss provision to net charge-offs | 213.3333% | 1,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5862% | 4,556 |
| Assets per employee ($millions) | 13.3393% | 127 |
| Cash dividends to net income (ytd only)* | 69.2730% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5068% | 262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 51.1685% | 4,635 |
| Net loans and leases to deposits | 66.3774% | 4,222 |
| Net loans and leases to core deposits | 70.1202% | 4,239 |
| Total domestic deposits to total assets | 77.0874% | 4,869 |
| Equity capital to assets | 21.7778% | 163 |
| Core capital (leverage) ratio | 21.9480% | 144 |
| Tier 1 risk-based capital ratio | 40.3173% | 222 |
| Total risk-based capital ratio | 41.5826% | 217 |
| Memoranda: | ||
| Average total assets | $105,606,750 | 4,184 |
| Average earning assets | $101,417,000 | 4,112 |
| Average equity | $23,093,750 | 2,868 |
| Average total loans | $55,162,500 | 4,358 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6538% | 4,356 |
| Cost of funding earning assets | 0.6899% | 940 |
| Net interest margin | 2.9639% | 4,983 |
| Noninterest income to average assets | 0.0627% | 5,617 |
| Noninterest expense to average assets | 1.5717% | 5,517 |
| Loan and lease loss provision to assets | -0.1140% | 5,655 |
| Net operating income to assets | 0.9217% | 2,798 |
| Return on assets (ROA) | 0.9217% | 2,856 |
| Pretax return on assets | 1.4463% | 1,837 |
| Return on Equity (ROE) | 4.2092% | 4,766 |
| Retained earnings to average equity (ytd only) | 1.2931% | 4,730 |
| Net charge-offs to loans | -0.2733% | 5,627 |
| Credit loss provision to net charge-offs | 80.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1230% | 5,006 |
| Assets per employee ($millions) | 13.1405% | 128 |
| Cash dividends to net income (ytd only)* | 69.2784% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6840% | 226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 51.8740% | 4,581 |
| Net loans and leases to deposits | 67.5486% | 4,105 |
| Net loans and leases to core deposits | 71.6904% | 4,113 |
| Total domestic deposits to total assets | 76.7950% | 4,990 |
| Equity capital to assets | 22.0026% | 148 |
| Core capital (leverage) ratio | 22.0179% | 139 |
| Tier 1 risk-based capital ratio | 42.0726% | 187 |
| Total risk-based capital ratio | 43.3409% | 187 |
| Memoranda: | ||
| Average total assets | $105,237,670 | 4,219 |
| Average earning assets | $100,882,000 | 4,150 |
| Average equity | $23,045,000 | 2,879 |
| Average total loans | $54,880,670 | 4,390 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5949% | 4,437 |
| Cost of funding earning assets | 0.6612% | 1,022 |
| Net interest margin | 2.9337% | 5,018 |
| Noninterest income to average assets | 0.0722% | 5,667 |
| Noninterest expense to average assets | 1.5841% | 5,573 |
| Loan and lease loss provision to assets | -0.0570% | 5,722 |
| Net operating income to assets | 0.8699% | 2,901 |
| Return on assets (ROA) | 0.8699% | 2,955 |
| Pretax return on assets | 1.3600% | 2,030 |
| Return on Equity (ROE) | 3.9822% | 4,784 |
| Retained earnings to average equity (ytd only) | 1.0608% | 4,631 |
| Net charge-offs to loans | -0.5525% | 5,751 |
| Credit loss provision to net charge-offs | 20.0000% | 2,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8684% | 5,053 |
| Assets per employee ($millions) | 13.0085% | 135 |
| Cash dividends to net income (ytd only)* | 73.3624% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8664% | 205 |
| Loan loss allowance to noncurrent loans | 1,312.7119% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 4,815 |
| Noncurrent loans to loans | 0.2184% | 4,325 |
| Net loans and leases to total assets | 50.4391% | 4,641 |
| Net loans and leases to deposits | 65.7848% | 4,192 |
| Net loans and leases to core deposits | 70.3303% | 4,123 |
| Total domestic deposits to total assets | 76.6729% | 5,154 |
| Equity capital to assets | 22.1519% | 143 |
| Core capital (leverage) ratio | 21.8463% | 142 |
| Tier 1 risk-based capital ratio | 41.8089% | 199 |
| Total risk-based capital ratio | 43.0790% | 199 |
| Memoranda: | ||
| Average total assets | $105,294,500 | 4,262 |
| Average earning assets | $101,033,000 | 4,189 |
| Average equity | $23,002,500 | 2,888 |
| Average total loans | $54,303,000 | 4,443 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 4,370 |
| Cost of funding earning assets | 0.7136% | 768 |
| Net interest margin | 2.9365% | 5,071 |
| Noninterest income to average assets | 0.1305% | 5,534 |
| Noninterest expense to average assets | 1.4402% | 5,750 |
| Loan and lease loss provision to assets | -0.0236% | 5,527 |
| Net operating income to assets | 0.9522% | 2,571 |
| Return on assets (ROA) | 0.9522% | 2,680 |
| Pretax return on assets | 1.5234% | 1,511 |
| Return on Equity (ROE) | 4.4242% | 4,699 |
| Retained earnings to average equity (ytd only) | 1.4586% | 4,676 |
| Net charge-offs to loans | -0.0988% | 5,591 |
| Credit loss provision to net charge-offs | 44.6429% | 3,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9868% | 5,529 |
| Assets per employee ($millions) | 13.3151% | 121 |
| Cash dividends to net income (ytd only)* | 67.0308% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7288% | 239 |
| Loan loss allowance to noncurrent loans | 783.6842% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 3,559 |
| Noncurrent loans to loans | 0.3482% | 3,883 |
| Net loans and leases to total assets | 49.8277% | 4,775 |
| Net loans and leases to deposits | 64.5863% | 4,354 |
| Net loans and leases to core deposits | 69.2188% | 4,308 |
| Total domestic deposits to total assets | 77.1491% | 5,103 |
| Equity capital to assets | 21.5469% | 162 |
| Core capital (leverage) ratio | 21.5828% | 150 |
| Tier 1 risk-based capital ratio | 40.6119% | 213 |
| Total risk-based capital ratio | 41.8797% | 210 |
| Memoranda: | ||
| Average total assets | $105,751,800 | 4,243 |
| Average earning assets | $101,174,400 | 4,185 |
| Average equity | $22,761,200 | 2,915 |
| Average total loans | $56,666,400 | 4,393 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 4,339 |
| Cost of funding earning assets | 0.7138% | 760 |
| Net interest margin | 2.9579% | 5,085 |
| Noninterest income to average assets | 0.1389% | 5,563 |
| Noninterest expense to average assets | 1.4374% | 5,801 |
| Loan and lease loss provision to assets | -0.0316% | 5,693 |
| Net operating income to assets | 0.9713% | 2,564 |
| Return on assets (ROA) | 0.9713% | 2,697 |
| Pretax return on assets | 1.5650% | 1,481 |
| Return on Equity (ROE) | 4.5141% | 4,714 |
| Retained earnings to average equity (ytd only) | 1.5438% | 4,896 |
| Net charge-offs to loans | -0.1305% | 5,657 |
| Credit loss provision to net charge-offs | 44.6429% | 3,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3844% | 5,578 |
| Assets per employee ($millions) | 13.2524% | 122 |
| Cash dividends to net income (ytd only)* | 65.7996% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6871% | 272 |
| Loan loss allowance to noncurrent loans | 334.6067% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 2,900 |
| Noncurrent loans to loans | 0.8031% | 2,659 |
| Net loans and leases to total assets | 50.8616% | 4,751 |
| Net loans and leases to deposits | 65.8787% | 4,356 |
| Net loans and leases to core deposits | 70.3579% | 4,296 |
| Total domestic deposits to total assets | 77.2050% | 5,045 |
| Equity capital to assets | 21.5801% | 179 |
| Core capital (leverage) ratio | 22.0160% | 138 |
| Tier 1 risk-based capital ratio | 40.3700% | 218 |
| Total risk-based capital ratio | 41.6372% | 214 |
| Memoranda: | ||
| Average total assets | $105,559,500 | 4,287 |
| Average earning assets | $101,060,500 | 4,215 |
| Average equity | $22,713,500 | 2,946 |
| Average total loans | $57,191,500 | 4,398 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7315% | 4,183 |
| Cost of funding earning assets | 0.7138% | 746 |
| Net interest margin | 3.0177% | 5,041 |
| Noninterest income to average assets | 0.0759% | 5,851 |
| Noninterest expense to average assets | 1.6128% | 5,753 |
| Loan and lease loss provision to assets | 0.0190% | 3,757 |
| Net operating income to assets | 0.8425% | 3,123 |
| Return on assets (ROA) | 0.8425% | 3,253 |
| Pretax return on assets | 1.3320% | 2,276 |
| Return on Equity (ROE) | 3.9191% | 4,940 |
| Retained earnings to average equity (ytd only) | 0.9356% | 5,019 |
| Net charge-offs to loans | -0.0692% | 5,495 |
| Credit loss provision to net charge-offs | -50.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4174% | 5,275 |
| Assets per employee ($millions) | 13.0534% | 126 |
| Cash dividends to net income (ytd only)* | 76.1261% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6250% | 312 |
| Loan loss allowance to noncurrent loans | 767.0103% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 3,552 |
| Noncurrent loans to loans | 0.3422% | 4,140 |
| Net loans and leases to total assets | 52.8580% | 4,603 |
| Net loans and leases to deposits | 68.7688% | 4,106 |
| Net loans and leases to core deposits | 73.6081% | 4,020 |
| Total domestic deposits to total assets | 76.8633% | 5,179 |
| Equity capital to assets | 21.7635% | 158 |
| Core capital (leverage) ratio | 21.7967% | 138 |
| Tier 1 risk-based capital ratio | 40.3660% | 226 |
| Total risk-based capital ratio | 41.6329% | 223 |
| Memoranda: | ||
| Average total assets | $105,406,330 | 4,327 |
| Average earning assets | $100,870,000 | 4,250 |
| Average equity | $22,658,330 | 2,957 |
| Average total loans | $57,784,670 | 4,413 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7609% | 4,096 |
| Cost of funding earning assets | 0.7136% | 756 |
| Net interest margin | 3.0474% | 5,011 |
| Noninterest income to average assets | 0.0755% | 5,892 |
| Noninterest expense to average assets | 1.6620% | 5,780 |
| Loan and lease loss provision to assets | 0.0378% | 3,153 |
| Net operating income to assets | 0.8197% | 3,152 |
| Return on assets (ROA) | 0.8197% | 3,277 |
| Pretax return on assets | 1.2956% | 2,328 |
| Return on Equity (ROE) | 3.8366% | 4,943 |
| Retained earnings to average equity (ytd only) | 0.8487% | 4,885 |
| Net charge-offs to loans | -0.1371% | 5,746 |
| Credit loss provision to net charge-offs | -50.0000% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4855% | 5,237 |
| Assets per employee ($millions) | 11.7132% | 169 |
| Cash dividends to net income (ytd only)* | 77.8802% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5684% | 364 |
| Loan loss allowance to noncurrent loans | 310.0000% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.7617% | 2,796 |
| Noncurrent loans to loans | 0.8285% | 2,767 |
| Net loans and leases to total assets | 53.5463% | 4,489 |
| Net loans and leases to deposits | 69.4001% | 3,910 |
| Net loans and leases to core deposits | 74.4441% | 3,846 |
| Total domestic deposits to total assets | 77.1559% | 5,269 |
| Equity capital to assets | 21.5056% | 162 |
| Core capital (leverage) ratio | 21.5700% | 147 |
| Tier 1 risk-based capital ratio | 39.9295% | 232 |
| Total risk-based capital ratio | 41.1963% | 228 |
| Memoranda: | ||
| Average total assets | $105,896,000 | 4,349 |
| Average earning assets | $101,464,500 | 4,261 |
| Average equity | $22,624,000 | 2,962 |
| Average total loans | $58,334,000 | 4,429 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 3,705 |
| Cost of funding earning assets | 0.8600% | 351 |
| Net interest margin | 3.0407% | 5,047 |
| Noninterest income to average assets | 0.0727% | 5,941 |
| Noninterest expense to average assets | 1.5949% | 5,921 |
| Loan and lease loss provision to assets | 0.1380% | 1,714 |
| Net operating income to assets | 0.7901% | 3,375 |
| Return on assets (ROA) | 0.7901% | 3,458 |
| Pretax return on assets | 1.2472% | 2,479 |
| Return on Equity (ROE) | 3.8318% | 5,018 |
| Retained earnings to average equity (ytd only) | 1.7085% | 4,754 |
| Net charge-offs to loans | 0.5492% | 458 |
| Credit loss provision to net charge-offs | 42.7350% | 3,497 |
| Earnings coverage of net charge-offs (x) | 4.2906% | 3,584 |
| Efficiency ratio | 53.5185% | 5,551 |
| Assets per employee ($millions) | 11.8192% | 157 |
| Cash dividends to net income (ytd only)* | 55.4133% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4825% | 405 |
| Loan loss allowance to noncurrent loans | 258.9698% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 2,585 |
| Noncurrent loans to loans | 0.9586% | 2,410 |
| Net loans and leases to total assets | 53.8426% | 4,519 |
| Net loans and leases to deposits | 69.6146% | 3,960 |
| Net loans and leases to core deposits | 74.5959% | 3,883 |
| Total domestic deposits to total assets | 77.3439% | 5,264 |
| Equity capital to assets | 21.2244% | 170 |
| Core capital (leverage) ratio | 21.2155% | 152 |
| Tier 1 risk-based capital ratio | 38.5380% | 250 |
| Total risk-based capital ratio | 39.8033% | 249 |
| Memoranda: | ||
| Average total assets | $108,720,600 | 4,283 |
| Average earning assets | $103,957,200 | 4,189 |
| Average equity | $22,417,600 | 2,925 |
| Average total loans | $63,906,400 | 4,266 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 3,579 |
| Cost of funding earning assets | 0.8866% | 306 |
| Net interest margin | 3.0552% | 5,062 |
| Noninterest income to average assets | 0.0744% | 6,030 |
| Noninterest expense to average assets | 1.5967% | 5,980 |
| Loan and lease loss provision to assets | 0.1525% | 1,428 |
| Net operating income to assets | 0.7892% | 3,481 |
| Return on assets (ROA) | 0.7892% | 3,569 |
| Pretax return on assets | 1.2466% | 2,620 |
| Return on Equity (ROE) | 3.8549% | 5,086 |
| Retained earnings to average equity (ytd only) | 2.0258% | 4,868 |
| Net charge-offs to loans | 0.5133% | 467 |
| Credit loss provision to net charge-offs | 49.8008% | 3,039 |
| Earnings coverage of net charge-offs (x) | 4.5697% | 3,330 |
| Efficiency ratio | 53.2980% | 5,565 |
| Assets per employee ($millions) | 11.8437% | 153 |
| Cash dividends to net income (ytd only)* | 47.4491% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4906% | 441 |
| Loan loss allowance to noncurrent loans | 406.6313% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.6567% | 3,283 |
| Noncurrent loans to loans | 0.6125% | 3,478 |
| Net loans and leases to total assets | 56.3067% | 4,318 |
| Net loans and leases to deposits | 72.6490% | 3,689 |
| Net loans and leases to core deposits | 77.2664% | 3,673 |
| Total domestic deposits to total assets | 77.5051% | 5,261 |
| Equity capital to assets | 21.1487% | 190 |
| Core capital (leverage) ratio | 20.9126% | 172 |
| Tier 1 risk-based capital ratio | 37.9702% | 282 |
| Total risk-based capital ratio | 39.2359% | 281 |
| Memoranda: | ||
| Average total assets | $109,307,500 | 4,316 |
| Average earning assets | $104,517,500 | 4,230 |
| Average equity | $22,377,750 | 2,948 |
| Average total loans | $65,200,000 | 4,271 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 3,372 |
| Cost of funding earning assets | 0.9044% | 283 |
| Net interest margin | 3.0769% | 5,025 |
| Noninterest income to average assets | 0.0762% | 6,100 |
| Noninterest expense to average assets | 1.5534% | 6,082 |
| Loan and lease loss provision to assets | 0.1633% | 1,291 |
| Net operating income to assets | 0.8202% | 3,279 |
| Return on assets (ROA) | 0.8202% | 3,382 |
| Pretax return on assets | 1.2921% | 2,394 |
| Return on Equity (ROE) | 4.0497% | 5,001 |
| Retained earnings to average equity (ytd only) | 1.9173% | 4,739 |
| Net charge-offs to loans | 0.7558% | 295 |
| Credit loss provision to net charge-offs | 35.8566% | 2,863 |
| Earnings coverage of net charge-offs (x) | 3.1952% | 3,225 |
| Efficiency ratio | 51.6285% | 5,745 |
| Assets per employee ($millions) | 12.1397% | 144 |
| Cash dividends to net income (ytd only)* | 52.6549% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3995% | 549 |
| Loan loss allowance to noncurrent loans | 167.3743% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.1194% | 2,269 |
| Noncurrent loans to loans | 1.4336% | 1,862 |
| Net loans and leases to total assets | 55.7685% | 4,363 |
| Net loans and leases to deposits | 71.3361% | 3,782 |
| Net loans and leases to core deposits | 75.9322% | 3,778 |
| Total domestic deposits to total assets | 78.1771% | 5,243 |
| Equity capital to assets | 20.5232% | 204 |
| Core capital (leverage) ratio | 20.6155% | 179 |
| Tier 1 risk-based capital ratio | 37.0394% | 313 |
| Total risk-based capital ratio | 38.3052% | 309 |
| Memoranda: | ||
| Average total assets | $110,212,330 | 4,337 |
| Average earning assets | $105,041,670 | 4,243 |
| Average equity | $22,322,670 | 2,970 |
| Average total loans | $66,416,000 | 4,259 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 3,208 |
| Cost of funding earning assets | 0.9103% | 273 |
| Net interest margin | 3.0967% | 4,967 |
| Noninterest income to average assets | 0.0831% | 6,141 |
| Noninterest expense to average assets | 1.5611% | 6,137 |
| Loan and lease loss provision to assets | 0.1373% | 1,500 |
| Net operating income to assets | 0.8348% | 3,085 |
| Return on assets (ROA) | 0.8348% | 3,213 |
| Pretax return on assets | 1.3226% | 2,188 |
| Return on Equity (ROE) | 4.1486% | 4,914 |
| Retained earnings to average equity (ytd only) | 2.9094% | 4,224 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6746% | 5,826 |
| Assets per employee ($millions) | 12.0932% | 149 |
| Cash dividends to net income (ytd only)* | 29.8701% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4601% | 562 |
| Loan loss allowance to noncurrent loans | 290.5822% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 2,730 |
| Noncurrent loans to loans | 0.8466% | 3,128 |
| Net loans and leases to total assets | 61.8207% | 3,398 |
| Net loans and leases to deposits | 79.1002% | 2,671 |
| Net loans and leases to core deposits | 84.2062% | 2,744 |
| Total domestic deposits to total assets | 78.1549% | 5,414 |
| Equity capital to assets | 20.5459% | 208 |
| Core capital (leverage) ratio | 20.4481% | 190 |
| Tier 1 risk-based capital ratio | 34.8711% | 365 |
| Total risk-based capital ratio | 36.1380% | 361 |
| Memoranda: | ||
| Average total assets | $110,690,000 | 4,353 |
| Average earning assets | $105,016,500 | 4,274 |
| Average equity | $22,272,500 | 2,995 |
| Average total loans | $68,409,500 | 4,224 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 4,307 |
| Cost of funding earning assets | 1.0352% | 190 |
| Net interest margin | 2.8165% | 5,780 |
| Noninterest income to average assets | 0.0912% | 6,192 |
| Noninterest expense to average assets | 1.4105% | 6,346 |
| Loan and lease loss provision to assets | 0.0930% | 2,608 |
| Net operating income to assets | 0.7854% | 3,443 |
| Return on assets (ROA) | 0.7854% | 3,537 |
| Pretax return on assets | 1.2617% | 2,384 |
| Return on Equity (ROE) | 4.0313% | 5,101 |
| Retained earnings to average equity (ytd only) | 2.3224% | 4,575 |
| Net charge-offs to loans | 0.1348% | 2,673 |
| Credit loss provision to net charge-offs | 116.6667% | 2,048 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,966 |
| Efficiency ratio | 51.0086% | 6,041 |
| Assets per employee ($millions) | 12.5046% | 128 |
| Cash dividends to net income (ytd only)* | 42.3901% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4456% | 596 |
| Loan loss allowance to noncurrent loans | 279.2929% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.9214% | 2,910 |
| Noncurrent loans to loans | 0.8756% | 3,128 |
| Net loans and leases to total assets | 58.8035% | 3,947 |
| Net loans and leases to deposits | 74.4677% | 3,374 |
| Net loans and leases to core deposits | 79.2921% | 3,375 |
| Total domestic deposits to total assets | 78.9650% | 5,257 |
| Equity capital to assets | 19.7110% | 234 |
| Core capital (leverage) ratio | 19.7067% | 219 |
| Tier 1 risk-based capital ratio | 35.9160% | 314 |
| Total risk-based capital ratio | 37.1826% | 308 |
| Memoranda: | ||
| Average total assets | $112,942,600 | 4,321 |
| Average earning assets | $107,224,600 | 4,243 |
| Average equity | $22,003,000 | 2,947 |
| Average total loans | $66,772,200 | 4,274 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 4,490 |
| Cost of funding earning assets | 1.0422% | 201 |
| Net interest margin | 2.7724% | 5,903 |
| Noninterest income to average assets | 0.1003% | 6,249 |
| Noninterest expense to average assets | 1.4083% | 6,400 |
| Loan and lease loss provision to assets | 0.0802% | 2,746 |
| Net operating income to assets | 0.7702% | 3,565 |
| Return on assets (ROA) | 0.7702% | 3,672 |
| Pretax return on assets | 1.2443% | 2,595 |
| Return on Equity (ROE) | 3.9650% | 5,184 |
| Retained earnings to average equity (ytd only) | 2.7081% | 4,663 |
| Net charge-offs to loans | 0.1804% | 2,008 |
| Credit loss provision to net charge-offs | 75.5556% | 2,678 |
| Earnings coverage of net charge-offs (x) | 12.4775% | 2,314 |
| Efficiency ratio | 51.5322% | 6,023 |
| Assets per employee ($millions) | 12.6704% | 124 |
| Cash dividends to net income (ytd only)* | 31.6997% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4616% | 674 |
| Loan loss allowance to noncurrent loans | 309.5420% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.9260% | 3,125 |
| Noncurrent loans to loans | 0.7952% | 3,597 |
| Net loans and leases to total assets | 56.3613% | 4,286 |
| Net loans and leases to deposits | 71.0295% | 3,790 |
| Net loans and leases to core deposits | 76.0334% | 3,737 |
| Total domestic deposits to total assets | 79.3491% | 5,251 |
| Equity capital to assets | 19.4144% | 255 |
| Core capital (leverage) ratio | 19.4089% | 232 |
| Tier 1 risk-based capital ratio | 36.1495% | 320 |
| Total risk-based capital ratio | 37.4155% | 314 |
| Memoranda: | ||
| Average total assets | $113,043,000 | 4,357 |
| Average earning assets | $107,339,500 | 4,282 |
| Average equity | $21,958,000 | 2,956 |
| Average total loans | $66,506,000 | 4,318 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7956% | 4,545 |
| Cost of funding earning assets | 1.0442% | 202 |
| Net interest margin | 2.7515% | 5,985 |
| Noninterest income to average assets | 0.1189% | 6,203 |
| Noninterest expense to average assets | 1.4018% | 6,475 |
| Loan and lease loss provision to assets | 0.0532% | 3,235 |
| Net operating income to assets | 0.7878% | 3,390 |
| Return on assets (ROA) | 0.7878% | 3,491 |
| Pretax return on assets | 1.2776% | 2,343 |
| Return on Equity (ROE) | 4.0552% | 5,120 |
| Retained earnings to average equity (ytd only) | 2.7948% | 4,421 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2987% | 6,108 |
| Assets per employee ($millions) | 12.7327% | 112 |
| Cash dividends to net income (ytd only)* | 31.0811% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5508% | 669 |
| Loan loss allowance to noncurrent loans | 193.3025% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 1.0463% | 2,974 |
| Noncurrent loans to loans | 1.3196% | 2,607 |
| Net loans and leases to total assets | 55.8083% | 4,313 |
| Net loans and leases to deposits | 70.2518% | 3,796 |
| Net loans and leases to core deposits | 75.1522% | 3,719 |
| Total domestic deposits to total assets | 79.4405% | 5,355 |
| Equity capital to assets | 19.2453% | 247 |
| Core capital (leverage) ratio | 19.2381% | 230 |
| Tier 1 risk-based capital ratio | 36.6639% | 307 |
| Total risk-based capital ratio | 37.9215% | 300 |
| Memoranda: | ||
| Average total assets | $112,712,670 | 4,394 |
| Average earning assets | $107,070,670 | 4,305 |
| Average equity | $21,897,670 | 2,960 |
| Average total loans | $66,710,330 | 4,335 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 4,947 |
| Cost of funding earning assets | 1.0444% | 217 |
| Net interest margin | 2.6241% | 6,200 |
| Noninterest income to average assets | 0.0930% | 6,358 |
| Noninterest expense to average assets | 1.3957% | 6,563 |
| Loan and lease loss provision to assets | 0.0537% | 3,039 |
| Net operating income to assets | 0.6907% | 3,736 |
| Return on assets (ROA) | 0.6907% | 3,813 |
| Pretax return on assets | 1.1345% | 2,752 |
| Return on Equity (ROE) | 3.5381% | 5,252 |
| Retained earnings to average equity (ytd only) | 2.2732% | 4,696 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0166% | 6,006 |
| Assets per employee ($millions) | 12.4617% | 129 |
| Cash dividends to net income (ytd only)* | 35.7513% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3984% | 913 |
| Loan loss allowance to noncurrent loans | 129.7107% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.4721% | 2,404 |
| Noncurrent loans to loans | 1.8490% | 2,069 |
| Net loans and leases to total assets | 60.1953% | 3,534 |
| Net loans and leases to deposits | 75.9783% | 2,812 |
| Net loans and leases to core deposits | 81.1511% | 2,836 |
| Total domestic deposits to total assets | 79.2270% | 5,650 |
| Equity capital to assets | 19.5105% | 237 |
| Core capital (leverage) ratio | 19.5049% | 226 |
| Tier 1 risk-based capital ratio | 33.4460% | 401 |
| Total risk-based capital ratio | 34.7075% | 396 |
| Memoranda: | ||
| Average total assets | $111,772,000 | 4,451 |
| Average earning assets | $106,094,000 | 4,361 |
| Average equity | $21,819,500 | 2,962 |
| Average total loans | $67,252,000 | 4,350 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 5,041 |
| Cost of funding earning assets | 1.2070% | 168 |
| Net interest margin | 2.5220% | 6,355 |
| Noninterest income to average assets | 0.0674% | 6,493 |
| Noninterest expense to average assets | 1.3397% | 6,665 |
| Loan and lease loss provision to assets | 0.1051% | 3,040 |
| Net operating income to assets | 0.6225% | 4,151 |
| Return on assets (ROA) | 0.6225% | 4,270 |
| Pretax return on assets | 1.0157% | 3,290 |
| Return on Equity (ROE) | 3.3026% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.0020% | 4,811 |
| Net charge-offs to loans | 0.0160% | 5,121 |
| Credit loss provision to net charge-offs | 1,090.9091% | 230 |
| Earnings coverage of net charge-offs (x) | 116.3636% | 409 |
| Efficiency ratio | 54.4484% | 6,095 |
| Assets per employee ($millions) | 12.3766% | 129 |
| Cash dividends to net income (ytd only)* | 39.3812% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5163% | 816 |
| Loan loss allowance to noncurrent loans | 154.6566% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 2.3090% | 1,521 |
| Noncurrent loans to loans | 1.6270% | 2,458 |
| Net loans and leases to total assets | 57.1771% | 4,172 |
| Net loans and leases to deposits | 71.8448% | 3,538 |
| Net loans and leases to core deposits | 76.7291% | 3,530 |
| Total domestic deposits to total assets | 79.5842% | 5,536 |
| Equity capital to assets | 19.5324% | 232 |
| Core capital (leverage) ratio | 19.5319% | 221 |
| Tier 1 risk-based capital ratio | 35.2512% | 316 |
| Total risk-based capital ratio | 36.5167% | 310 |
| Memoranda: | ||
| Average total assets | $114,208,400 | 4,403 |
| Average earning assets | $108,367,200 | 4,302 |
| Average equity | $21,528,800 | 2,981 |
| Average total loans | $68,676,200 | 4,317 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7002% | 5,168 |
| Cost of funding earning assets | 1.2236% | 176 |
| Net interest margin | 2.4765% | 6,449 |
| Noninterest income to average assets | 0.0673% | 6,578 |
| Noninterest expense to average assets | 1.3378% | 6,724 |
| Loan and lease loss provision to assets | 0.1021% | 3,062 |
| Net operating income to assets | 0.5952% | 4,370 |
| Return on assets (ROA) | 0.5952% | 4,494 |
| Pretax return on assets | 0.9804% | 3,584 |
| Return on Equity (ROE) | 3.1855% | 5,537 |
| Retained earnings to average equity (ytd only) | 1.8008% | 5,238 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2733% | 5,997 |
| Assets per employee ($millions) | 12.8409% | 122 |
| Cash dividends to net income (ytd only)* | 43.4706% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3774% | 1,072 |
| Loan loss allowance to noncurrent loans | 282.2609% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 1.7903% | 2,287 |
| Noncurrent loans to loans | 0.8423% | 4,144 |
| Net loans and leases to total assets | 57.6665% | 4,067 |
| Net loans and leases to deposits | 71.6348% | 3,558 |
| Net loans and leases to core deposits | 76.9855% | 3,499 |
| Total domestic deposits to total assets | 80.5007% | 5,358 |
| Equity capital to assets | 18.6851% | 281 |
| Core capital (leverage) ratio | 18.6869% | 246 |
| Tier 1 risk-based capital ratio | 33.6701% | 383 |
| Total risk-based capital ratio | 34.9298% | 374 |
| Memoranda: | ||
| Average total assets | $114,913,250 | 4,434 |
| Average earning assets | $109,181,500 | 4,330 |
| Average equity | $21,471,750 | 3,020 |
| Average total loans | $69,512,000 | 4,316 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7449% | 5,003 |
| Cost of funding earning assets | 1.2318% | 189 |
| Net interest margin | 2.5131% | 6,437 |
| Noninterest income to average assets | 0.0820% | 6,580 |
| Noninterest expense to average assets | 1.4002% | 6,731 |
| Loan and lease loss provision to assets | 0.1221% | 2,796 |
| Net operating income to assets | 0.6033% | 4,260 |
| Return on assets (ROA) | 0.6033% | 4,445 |
| Pretax return on assets | 0.9538% | 3,698 |
| Return on Equity (ROE) | 3.2290% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.1558% | 4,903 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5493% | 5,897 |
| Assets per employee ($millions) | 12.8478% | 114 |
| Cash dividends to net income (ytd only)* | 33.2370% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3328% | 1,207 |
| Loan loss allowance to noncurrent loans | 87.6570% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 2.0064% | 2,146 |
| Noncurrent loans to loans | 2.6613% | 1,720 |
| Net loans and leases to total assets | 58.1121% | 3,966 |
| Net loans and leases to deposits | 72.1976% | 3,422 |
| Net loans and leases to core deposits | 77.7891% | 3,324 |
| Total domestic deposits to total assets | 80.4904% | 5,480 |
| Equity capital to assets | 18.6241% | 281 |
| Core capital (leverage) ratio | 18.6278% | 246 |
| Tier 1 risk-based capital ratio | 33.6473% | 384 |
| Total risk-based capital ratio | 34.9094% | 378 |
| Memoranda: | ||
| Average total assets | $114,695,000 | 4,471 |
| Average earning assets | $109,269,330 | 4,356 |
| Average equity | $21,431,000 | 3,042 |
| Average total loans | $69,927,000 | 4,312 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 4,838 |
| Cost of funding earning assets | 1.2500% | 191 |
| Net interest margin | 2.5443% | 6,448 |
| Noninterest income to average assets | 0.0700% | 6,672 |
| Noninterest expense to average assets | 1.3797% | 6,832 |
| Loan and lease loss provision to assets | 0.1401% | 2,491 |
| Net operating income to assets | 0.6163% | 4,135 |
| Return on assets (ROA) | 0.6163% | 4,295 |
| Pretax return on assets | 0.9665% | 3,501 |
| Return on Equity (ROE) | 3.2930% | 5,437 |
| Retained earnings to average equity (ytd only) | 2.2265% | 4,897 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4930% | 6,110 |
| Assets per employee ($millions) | 12.7683% | 121 |
| Cash dividends to net income (ytd only)* | 32.3864% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2459% | 1,496 |
| Loan loss allowance to noncurrent loans | 75.9402% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 2.2573% | 2,069 |
| Noncurrent loans to loans | 2.9574% | 1,700 |
| Net loans and leases to total assets | 59.6554% | 3,493 |
| Net loans and leases to deposits | 74.1114% | 2,904 |
| Net loans and leases to core deposits | 80.1265% | 2,791 |
| Total domestic deposits to total assets | 80.4943% | 5,636 |
| Equity capital to assets | 18.6303% | 294 |
| Core capital (leverage) ratio | 18.6290% | 256 |
| Tier 1 risk-based capital ratio | 33.6054% | 392 |
| Total risk-based capital ratio | 34.8676% | 386 |
| Memoranda: | ||
| Average total assets | $114,227,500 | 4,521 |
| Average earning assets | $108,477,000 | 4,411 |
| Average equity | $21,379,000 | 3,095 |
| Average total loans | $70,490,500 | 4,329 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9153% | 5,528 |
| Cost of funding earning assets | 1.3262% | 335 |
| Net interest margin | 2.5891% | 6,641 |
| Noninterest income to average assets | -0.0184% | 6,863 |
| Noninterest expense to average assets | 1.3640% | 6,925 |
| Loan and lease loss provision to assets | 0.2142% | 3,002 |
| Net operating income to assets | 0.5474% | 4,491 |
| Return on assets (ROA) | 0.5474% | 4,745 |
| Pretax return on assets | 0.8718% | 4,023 |
| Return on Equity (ROE) | 2.9635% | 5,561 |
| Retained earnings to average equity (ytd only) | 1.8699% | 4,902 |
| Net charge-offs to loans | 0.0969% | 4,691 |
| Credit loss provision to net charge-offs | 350.0000% | 696 |
| Earnings coverage of net charge-offs (x) | 17.7429% | 1,488 |
| Efficiency ratio | 55.6745% | 6,094 |
| Assets per employee ($millions) | 12.6156% | 133 |
| Cash dividends to net income (ytd only)* | 36.9010% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1665% | 1,608 |
| Loan loss allowance to noncurrent loans | 81.7794% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 2.2530% | 2,179 |
| Noncurrent loans to loans | 2.6491% | 1,998 |
| Net loans and leases to total assets | 61.0516% | 3,409 |
| Net loans and leases to deposits | 75.9957% | 2,811 |
| Net loans and leases to core deposits | 82.0244% | 2,771 |
| Total domestic deposits to total assets | 80.3356% | 5,584 |
| Equity capital to assets | 18.8031% | 278 |
| Core capital (leverage) ratio | 18.8023% | 242 |
| Tier 1 risk-based capital ratio | 33.6390% | 375 |
| Total risk-based capital ratio | 34.8980% | 370 |
| Memoranda: | ||
| Average total assets | $114,366,600 | 4,485 |
| Average earning assets | $109,033,400 | 4,365 |
| Average equity | $21,123,800 | 3,081 |
| Average total loans | $72,238,800 | 4,265 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 5,784 |
| Cost of funding earning assets | 1.3257% | 396 |
| Net interest margin | 2.5770% | 6,780 |
| Noninterest income to average assets | -0.0477% | 6,992 |
| Noninterest expense to average assets | 1.3720% | 7,004 |
| Loan and lease loss provision to assets | 0.2095% | 2,974 |
| Net operating income to assets | 0.5202% | 4,763 |
| Return on assets (ROA) | 0.5202% | 5,024 |
| Pretax return on assets | 0.8297% | 4,381 |
| Return on Equity (ROE) | 2.8290% | 5,738 |
| Retained earnings to average equity (ytd only) | 1.7340% | 5,465 |
| Net charge-offs to loans | 0.1286% | 4,097 |
| Credit loss provision to net charge-offs | 257.1429% | 1,069 |
| Earnings coverage of net charge-offs (x) | 12.7573% | 1,975 |
| Efficiency ratio | 56.9015% | 5,933 |
| Assets per employee ($millions) | 12.7467% | 132 |
| Cash dividends to net income (ytd only)* | 38.7020% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0064% | 2,151 |
| Loan loss allowance to noncurrent loans | 117.6000% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.8427% | 2,872 |
| Noncurrent loans to loans | 1.7061% | 3,220 |
| Net loans and leases to total assets | 62.5846% | 3,286 |
| Net loans and leases to deposits | 77.5781% | 2,718 |
| Net loans and leases to core deposits | 83.6103% | 2,742 |
| Total domestic deposits to total assets | 80.6729% | 5,464 |
| Equity capital to assets | 18.4693% | 328 |
| Core capital (leverage) ratio | 18.4686% | 275 |
| Tier 1 risk-based capital ratio | 32.7288% | 416 |
| Total risk-based capital ratio | 33.9893% | 411 |
| Memoranda: | ||
| Average total assets | $114,573,250 | 4,522 |
| Average earning assets | $109,324,750 | 4,412 |
| Average equity | $21,067,500 | 3,112 |
| Average total loans | $72,585,250 | 4,310 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 6,105 |
| Cost of funding earning assets | 1.3382% | 452 |
| Net interest margin | 2.4768% | 6,911 |
| Noninterest income to average assets | -0.0314% | 7,036 |
| Noninterest expense to average assets | 1.4006% | 7,057 |
| Loan and lease loss provision to assets | 0.2270% | 2,804 |
| Net operating income to assets | 0.4348% | 5,097 |
| Return on assets (ROA) | 0.4348% | 5,322 |
| Pretax return on assets | 0.7038% | 4,822 |
| Return on Equity (ROE) | 2.3683% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.2745% | 5,560 |
| Net charge-offs to loans | 0.1935% | 3,425 |
| Credit loss provision to net charge-offs | 185.7143% | 1,524 |
| Earnings coverage of net charge-offs (x) | 7.6143% | 2,450 |
| Efficiency ratio | 60.0749% | 5,563 |
| Assets per employee ($millions) | 12.5966% | 129 |
| Cash dividends to net income (ytd only)* | 46.1847% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9429% | 2,400 |
| Loan loss allowance to noncurrent loans | 62.6102% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.6550% | 2,080 |
| Noncurrent loans to loans | 3.1032% | 1,894 |
| Net loans and leases to total assets | 63.2157% | 3,197 |
| Net loans and leases to deposits | 78.5590% | 2,591 |
| Net loans and leases to core deposits | 84.4970% | 2,628 |
| Total domestic deposits to total assets | 80.4691% | 5,623 |
| Equity capital to assets | 18.5677% | 300 |
| Core capital (leverage) ratio | 18.5666% | 266 |
| Tier 1 risk-based capital ratio | 32.3795% | 422 |
| Total risk-based capital ratio | 33.6410% | 419 |
| Memoranda: | ||
| Average total assets | $114,524,330 | 4,546 |
| Average earning assets | $109,255,000 | 4,427 |
| Average equity | $21,027,330 | 3,108 |
| Average total loans | $72,358,000 | 4,334 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 6,277 |
| Cost of funding earning assets | 1.3483% | 522 |
| Net interest margin | 2.4372% | 6,991 |
| Noninterest income to average assets | -0.1355% | 7,180 |
| Noninterest expense to average assets | 1.3727% | 7,130 |
| Loan and lease loss provision to assets | 0.2780% | 2,236 |
| Net operating income to assets | 0.3406% | 5,509 |
| Return on assets (ROA) | 0.3406% | 5,687 |
| Pretax return on assets | 0.5317% | 5,329 |
| Return on Equity (ROE) | 1.8652% | 6,110 |
| Retained earnings to average equity (ytd only) | 0.7804% | 5,748 |
| Net charge-offs to loans | 0.2500% | 2,670 |
| Credit loss provision to net charge-offs | 177.7778% | 1,443 |
| Earnings coverage of net charge-offs (x) | 5.1778% | 2,421 |
| Efficiency ratio | 62.8981% | 5,119 |
| Assets per employee ($millions) | 11.4267% | 167 |
| Cash dividends to net income (ytd only)* | 58.1633% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9374% | 2,566 |
| Loan loss allowance to noncurrent loans | 56.5235% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 3.4472% | 1,669 |
| Noncurrent loans to loans | 3.4276% | 1,831 |
| Net loans and leases to total assets | 61.7921% | 3,297 |
| Net loans and leases to deposits | 76.5150% | 2,726 |
| Net loans and leases to core deposits | 81.7468% | 2,865 |
| Total domestic deposits to total assets | 80.7582% | 5,661 |
| Equity capital to assets | 18.4104% | 314 |
| Core capital (leverage) ratio | 18.4079% | 275 |
| Tier 1 risk-based capital ratio | 32.0552% | 434 |
| Total risk-based capital ratio | 33.3156% | 423 |
| Memoranda: | ||
| Average total assets | $115,102,000 | 4,560 |
| Average earning assets | $109,469,500 | 4,449 |
| Average equity | $21,016,000 | 3,105 |
| Average total loans | $71,993,500 | 4,384 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 6,685 |
| Cost of funding earning assets | 1.5041% | 705 |
| Net interest margin | 2.3364% | 7,130 |
| Noninterest income to average assets | 0.1071% | 6,609 |
| Noninterest expense to average assets | 1.4120% | 7,209 |
| Loan and lease loss provision to assets | 0.2047% | 4,138 |
| Net operating income to assets | 0.4451% | 4,670 |
| Return on assets (ROA) | 0.4451% | 4,875 |
| Pretax return on assets | 0.6986% | 4,322 |
| Return on Equity (ROE) | 2.4526% | 5,488 |
| Retained earnings to average equity (ytd only) | 1.5023% | 5,141 |
| Net charge-offs to loans | 0.1227% | 5,161 |
| Credit loss provision to net charge-offs | 273.2558% | 876 |
| Earnings coverage of net charge-offs (x) | 12.0581% | 1,653 |
| Efficiency ratio | 60.9857% | 5,608 |
| Assets per employee ($millions) | 12.8819% | 121 |
| Cash dividends to net income (ytd only)* | 38.7476% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,916 |
| Loan loss allowance to noncurrent loans | 54.9850% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 3.1474% | 1,898 |
| Noncurrent loans to loans | 3.2466% | 1,993 |
| Net loans and leases to total assets | 60.9805% | 3,790 |
| Net loans and leases to deposits | 75.5041% | 3,258 |
| Net loans and leases to core deposits | 80.2869% | 3,422 |
| Total domestic deposits to total assets | 80.7646% | 5,522 |
| Equity capital to assets | 18.1090% | 340 |
| Core capital (leverage) ratio | 18.1059% | 290 |
| Tier 1 risk-based capital ratio | 31.3284% | 455 |
| Total risk-based capital ratio | 32.5866% | 450 |
| Memoranda: | ||
| Average total assets | $114,800,600 | 4,529 |
| Average earning assets | $108,502,200 | 4,437 |
| Average equity | $20,835,200 | 3,027 |
| Average total loans | $70,086,800 | 4,490 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 6,821 |
| Cost of funding earning assets | 1.5165% | 809 |
| Net interest margin | 2.3037% | 7,219 |
| Noninterest income to average assets | 0.1094% | 6,706 |
| Noninterest expense to average assets | 1.4006% | 7,274 |
| Loan and lease loss provision to assets | 0.2270% | 3,745 |
| Net operating income to assets | 0.4180% | 4,917 |
| Return on assets (ROA) | 0.4180% | 5,110 |
| Pretax return on assets | 0.6555% | 4,624 |
| Return on Equity (ROE) | 2.3017% | 5,677 |
| Retained earnings to average equity (ytd only) | 1.4041% | 5,448 |
| Net charge-offs to loans | 0.2126% | 4,102 |
| Credit loss provision to net charge-offs | 175.6757% | 1,694 |
| Earnings coverage of net charge-offs (x) | 6.8286% | 2,477 |
| Efficiency ratio | 61.3463% | 5,512 |
| Assets per employee ($millions) | 12.9454% | 130 |
| Cash dividends to net income (ytd only)* | 38.9972% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7100% | 3,239 |
| Loan loss allowance to noncurrent loans | 49.3328% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 3.5997% | 1,744 |
| Noncurrent loans to loans | 3.4663% | 1,981 |
| Net loans and leases to total assets | 60.1885% | 4,097 |
| Net loans and leases to deposits | 74.2724% | 3,617 |
| Net loans and leases to core deposits | 78.3774% | 3,842 |
| Total domestic deposits to total assets | 81.0375% | 5,421 |
| Equity capital to assets | 17.9274% | 396 |
| Core capital (leverage) ratio | 17.9231% | 327 |
| Tier 1 risk-based capital ratio | 31.1117% | 490 |
| Total risk-based capital ratio | 32.3693% | 477 |
| Memoranda: | ||
| Average total assets | $114,516,500 | 4,568 |
| Average earning assets | $108,053,500 | 4,477 |
| Average equity | $20,795,250 | 3,038 |
| Average total loans | $69,612,500 | 4,542 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 6,814 |
| Cost of funding earning assets | 1.5219% | 931 |
| Net interest margin | 2.3686% | 7,250 |
| Noninterest income to average assets | 0.1212% | 6,720 |
| Noninterest expense to average assets | 1.4124% | 7,349 |
| Loan and lease loss provision to assets | 0.2459% | 3,444 |
| Net operating income to assets | 0.4444% | 4,747 |
| Return on assets (ROA) | 0.4444% | 4,886 |
| Pretax return on assets | 0.6939% | 4,403 |
| Return on Equity (ROE) | 2.4368% | 5,627 |
| Retained earnings to average equity (ytd only) | 1.6374% | 5,175 |
| Net charge-offs to loans | 0.2781% | 3,500 |
| Credit loss provision to net charge-offs | 145.8333% | 2,097 |
| Earnings coverage of net charge-offs (x) | 5.5729% | 2,581 |
| Efficiency ratio | 60.0448% | 5,865 |
| Assets per employee ($millions) | 12.7170% | 135 |
| Cash dividends to net income (ytd only)* | 32.8063% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 3,320 |
| Loan loss allowance to noncurrent loans | 108.4637% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 2.4779% | 2,694 |
| Noncurrent loans to loans | 1.5687% | 4,055 |
| Net loans and leases to total assets | 59.5126% | 4,372 |
| Net loans and leases to deposits | 73.4779% | 3,881 |
| Net loans and leases to core deposits | 78.3244% | 4,018 |
| Total domestic deposits to total assets | 80.9939% | 5,529 |
| Equity capital to assets | 18.2066% | 371 |
| Core capital (leverage) ratio | 18.2010% | 311 |
| Tier 1 risk-based capital ratio | 31.5285% | 471 |
| Total risk-based capital ratio | 32.7849% | 462 |
| Memoranda: | ||
| Average total assets | $113,852,330 | 4,612 |
| Average earning assets | $107,234,330 | 4,528 |
| Average equity | $20,764,670 | 3,029 |
| Average total loans | $69,035,000 | 4,612 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 6,882 |
| Cost of funding earning assets | 1.5116% | 1,117 |
| Net interest margin | 2.3442% | 7,289 |
| Noninterest income to average assets | 0.0599% | 7,095 |
| Noninterest expense to average assets | 1.3879% | 7,417 |
| Loan and lease loss provision to assets | 0.1233% | 4,462 |
| Net operating income to assets | 0.4791% | 4,581 |
| Return on assets (ROA) | 0.4791% | 4,662 |
| Pretax return on assets | 0.7503% | 4,094 |
| Return on Equity (ROE) | 2.6245% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.1227% | 4,867 |
| Net charge-offs to loans | 0.1219% | 3,800 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 11.8095% | 1,529 |
| Efficiency ratio | 61.3707% | 5,784 |
| Assets per employee ($millions) | 12.6270% | 136 |
| Cash dividends to net income (ytd only)* | 19.1176% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6628% | 3,475 |
| Loan loss allowance to noncurrent loans | 74.5466% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 3.5858% | 1,898 |
| Noncurrent loans to loans | 2.2305% | 3,282 |
| Net loans and leases to total assets | 59.8981% | 4,285 |
| Net loans and leases to deposits | 73.9803% | 3,760 |
| Net loans and leases to core deposits | 78.9172% | 3,909 |
| Total domestic deposits to total assets | 80.9650% | 5,668 |
| Equity capital to assets | 18.2845% | 354 |
| Core capital (leverage) ratio | 18.2788% | 318 |
| Tier 1 risk-based capital ratio | 31.2406% | 465 |
| Total risk-based capital ratio | 32.4965% | 454 |
| Memoranda: | ||
| Average total assets | $113,552,000 | 4,655 |
| Average earning assets | $106,644,500 | 4,572 |
| Average equity | $20,728,000 | 3,023 |
| Average total loans | $68,906,000 | 4,656 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 6,954 |
| Cost of funding earning assets | 1.8056% | 1,151 |
| Net interest margin | 2.3755% | 7,332 |
| Noninterest income to average assets | 0.0393% | 7,158 |
| Noninterest expense to average assets | 1.5343% | 7,432 |
| Loan and lease loss provision to assets | 0.4180% | 3,602 |
| Net operating income to assets | 0.2126% | 5,241 |
| Return on assets (ROA) | 0.2126% | 5,405 |
| Pretax return on assets | 0.3019% | 5,227 |
| Return on Equity (ROE) | 1.1557% | 5,656 |
| Retained earnings to average equity (ytd only) | 0.5244% | 5,313 |
| Net charge-offs to loans | 0.4530% | 3,802 |
| Credit loss provision to net charge-offs | 149.0446% | 2,438 |
| Earnings coverage of net charge-offs (x) | 2.5669% | 3,828 |
| Efficiency ratio | 68.0666% | 4,552 |
| Assets per employee ($millions) | 12.6068% | 137 |
| Cash dividends to net income (ytd only)* | 54.6218% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 3,373 |
| Loan loss allowance to noncurrent loans | 171.3424% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 2.8679% | 2,439 |
| Noncurrent loans to loans | 0.9666% | 5,118 |
| Net loans and leases to total assets | 59.4521% | 4,764 |
| Net loans and leases to deposits | 73.3773% | 4,300 |
| Net loans and leases to core deposits | 77.7534% | 4,482 |
| Total domestic deposits to total assets | 81.0226% | 5,517 |
| Equity capital to assets | 18.2239% | 359 |
| Core capital (leverage) ratio | 18.2165% | 321 |
| Tier 1 risk-based capital ratio | 30.7378% | 480 |
| Total risk-based capital ratio | 31.9932% | 471 |
| Memoranda: | ||
| Average total assets | $111,972,200 | 4,660 |
| Average earning assets | $104,398,400 | 4,598 |
| Average equity | $20,593,600 | 3,063 |
| Average total loans | $69,308,200 | 4,703 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 7,088 |
| Cost of funding earning assets | 1.8469% | 1,230 |
| Net interest margin | 2.3538% | 7,460 |
| Noninterest income to average assets | 0.0227% | 7,387 |
| Noninterest expense to average assets | 1.5985% | 7,503 |
| Loan and lease loss provision to assets | 0.4874% | 3,034 |
| Net operating income to assets | 0.1087% | 5,750 |
| Return on assets (ROA) | 0.1087% | 5,903 |
| Pretax return on assets | 0.1278% | 5,870 |
| Return on Equity (ROE) | 0.5898% | 5,992 |
| Retained earnings to average equity (ytd only) | -0.0842% | 5,807 |
| Net charge-offs to loans | 0.7560% | 2,535 |
| Credit loss provision to net charge-offs | 103.5533% | 4,137 |
| Earnings coverage of net charge-offs (x) | 1.3071% | 4,770 |
| Efficiency ratio | 72.2072% | 3,657 |
| Assets per employee ($millions) | 12.4569% | 154 |
| Cash dividends to net income (ytd only)* | 114.2834% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 4,296 |
| Loan loss allowance to noncurrent loans | 35.4827% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 4.6543% | 1,430 |
| Noncurrent loans to loans | 4.0403% | 1,849 |
| Net loans and leases to total assets | 61.0809% | 4,699 |
| Net loans and leases to deposits | 75.5447% | 4,256 |
| Net loans and leases to core deposits | 79.8347% | 4,543 |
| Total domestic deposits to total assets | 80.8540% | 5,428 |
| Equity capital to assets | 18.3504% | 384 |
| Core capital (leverage) ratio | 18.3409% | 328 |
| Tier 1 risk-based capital ratio | 30.2319% | 500 |
| Total risk-based capital ratio | 31.4848% | 490 |
| Memoranda: | ||
| Average total assets | $111,600,000 | 4,726 |
| Average earning assets | $103,884,000 | 4,676 |
| Average equity | $20,572,750 | 3,106 |
| Average total loans | $69,487,500 | 4,778 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 7,058 |
| Cost of funding earning assets | 1.9086% | 1,211 |
| Net interest margin | 2.3867% | 7,489 |
| Noninterest income to average assets | 0.0897% | 7,129 |
| Noninterest expense to average assets | 1.6154% | 7,558 |
| Loan and lease loss provision to assets | 0.2477% | 4,449 |
| Net operating income to assets | 0.3051% | 5,159 |
| Return on assets (ROA) | 0.3051% | 5,317 |
| Pretax return on assets | 0.4397% | 5,095 |
| Return on Equity (ROE) | 1.6527% | 5,746 |
| Retained earnings to average equity (ytd only) | 0.8944% | 5,413 |
| Net charge-offs to loans | 0.7253% | 2,407 |
| Credit loss provision to net charge-offs | 54.7619% | 5,321 |
| Earnings coverage of net charge-offs (x) | 1.5198% | 4,351 |
| Efficiency ratio | 70.1481% | 4,164 |
| Assets per employee ($millions) | 12.3270% | 149 |
| Cash dividends to net income (ytd only)* | 45.8824% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 5,070 |
| Loan loss allowance to noncurrent loans | 34.0793% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 5.3541% | 1,168 |
| Noncurrent loans to loans | 3.7350% | 2,083 |
| Net loans and leases to total assets | 60.6843% | 4,934 |
| Net loans and leases to deposits | 75.3219% | 4,455 |
| Net loans and leases to core deposits | 78.5104% | 4,867 |
| Total domestic deposits to total assets | 80.5666% | 5,543 |
| Equity capital to assets | 18.6249% | 369 |
| Core capital (leverage) ratio | 18.6200% | 319 |
| Tier 1 risk-based capital ratio | 31.5946% | 435 |
| Total risk-based capital ratio | 32.8459% | 427 |
| Memoranda: | ||
| Average total assets | $111,429,330 | 4,763 |
| Average earning assets | $103,324,330 | 4,712 |
| Average equity | $20,572,670 | 3,100 |
| Average total loans | $69,491,670 | 4,804 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 7,212 |
| Cost of funding earning assets | 1.9544% | 1,231 |
| Net interest margin | 2.2911% | 7,600 |
| Noninterest income to average assets | 0.0895% | 7,258 |
| Noninterest expense to average assets | 1.5116% | 7,707 |
| Loan and lease loss provision to assets | 0.2257% | 4,237 |
| Net operating income to assets | 0.3045% | 5,285 |
| Return on assets (ROA) | 0.3045% | 5,408 |
| Pretax return on assets | 0.4728% | 5,052 |
| Return on Equity (ROE) | 1.6563% | 5,899 |
| Retained earnings to average equity (ytd only) | 0.6430% | 5,563 |
| Net charge-offs to loans | 0.4562% | 2,678 |
| Credit loss provision to net charge-offs | 78.7500% | 3,908 |
| Earnings coverage of net charge-offs (x) | 2.4375% | 3,318 |
| Efficiency ratio | 68.3955% | 4,642 |
| Assets per employee ($millions) | 12.4142% | 158 |
| Cash dividends to net income (ytd only)* | 61.1765% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 4,582 |
| Loan loss allowance to noncurrent loans | 24.8583% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 6.4639% | 884 |
| Noncurrent loans to loans | 5.5079% | 1,269 |
| Net loans and leases to total assets | 62.2181% | 4,718 |
| Net loans and leases to deposits | 77.0488% | 4,215 |
| Net loans and leases to core deposits | 80.4991% | 4,705 |
| Total domestic deposits to total assets | 80.7515% | 5,531 |
| Equity capital to assets | 18.3795% | 386 |
| Core capital (leverage) ratio | 18.3800% | 350 |
| Tier 1 risk-based capital ratio | 30.4007% | 507 |
| Total risk-based capital ratio | 31.6546% | 493 |
| Memoranda: | ||
| Average total assets | $111,672,500 | 4,830 |
| Average earning assets | $103,357,500 | 4,771 |
| Average equity | $20,527,500 | 3,126 |
| Average total loans | $70,141,000 | 4,857 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 7,236 |
| Cost of funding earning assets | 2.4797% | 1,072 |
| Net interest margin | 2.1514% | 7,670 |
| Noninterest income to average assets | 0.1178% | 7,165 |
| Noninterest expense to average assets | 1.5583% | 7,790 |
| Loan and lease loss provision to assets | 0.4541% | 4,102 |
| Net operating income to assets | 0.0881% | 5,241 |
| Return on assets (ROA) | 0.0881% | 5,285 |
| Pretax return on assets | 0.1142% | 5,190 |
| Return on Equity (ROE) | 0.4765% | 5,397 |
| Retained earnings to average equity (ytd only) | -0.2820% | 5,015 |
| Net charge-offs to loans | 0.8457% | 2,711 |
| Credit loss provision to net charge-offs | 81.8476% | 6,249 |
| Earnings coverage of net charge-offs (x) | 1.0243% | 5,089 |
| Efficiency ratio | 73.2770% | 4,040 |
| Assets per employee ($millions) | 12.4019% | 159 |
| Cash dividends to net income (ytd only)* | 159.1837% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 4,199 |
| Loan loss allowance to noncurrent loans | 31.6672% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 7.4200% | 655 |
| Noncurrent loans to loans | 4.4426% | 1,606 |
| Net loans and leases to total assets | 61.6573% | 5,068 |
| Net loans and leases to deposits | 76.2912% | 4,686 |
| Net loans and leases to core deposits | 127.2983% | 1,426 |
| Total domestic deposits to total assets | 80.8183% | 5,402 |
| Equity capital to assets | 18.3843% | 417 |
| Core capital (leverage) ratio | 18.3892% | 375 |
| Tier 1 risk-based capital ratio | 30.1510% | 518 |
| Total risk-based capital ratio | 31.4068% | 500 |
| Memoranda: | ||
| Average total assets | $111,209,400 | 4,790 |
| Average earning assets | $103,841,200 | 4,730 |
| Average equity | $20,565,200 | 3,130 |
| Average total loans | $72,954,000 | 4,765 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6460% | 7,355 |
| Cost of funding earning assets | 2.5648% | 1,122 |
| Net interest margin | 2.0812% | 7,781 |
| Noninterest income to average assets | 0.1404% | 7,176 |
| Noninterest expense to average assets | 1.5312% | 7,875 |
| Loan and lease loss provision to assets | 0.5040% | 3,371 |
| Net operating income to assets | 0.0540% | 5,597 |
| Return on assets (ROA) | 0.0540% | 5,632 |
| Pretax return on assets | 0.0576% | 5,604 |
| Return on Equity (ROE) | 0.2916% | 5,686 |
| Retained earnings to average equity (ytd only) | -0.7193% | 5,411 |
| Net charge-offs to loans | 0.9149% | 2,138 |
| Credit loss provision to net charge-offs | 83.0040% | 5,678 |
| Earnings coverage of net charge-offs (x) | 0.9249% | 5,133 |
| Efficiency ratio | 73.1651% | 4,024 |
| Assets per employee ($millions) | 12.4667% | 159 |
| Cash dividends to net income (ytd only)* | 346.6500% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 3,841 |
| Loan loss allowance to noncurrent loans | 25.0310% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 8.4911% | 480 |
| Noncurrent loans to loans | 5.6709% | 1,091 |
| Net loans and leases to total assets | 62.3922% | 5,178 |
| Net loans and leases to deposits | 77.2339% | 4,858 |
| Net loans and leases to core deposits | 124.6488% | 1,849 |
| Total domestic deposits to total assets | 80.7834% | 5,161 |
| Equity capital to assets | 18.2175% | 493 |
| Core capital (leverage) ratio | 18.2074% | 438 |
| Tier 1 risk-based capital ratio | 29.0688% | 620 |
| Total risk-based capital ratio | 30.3255% | 606 |
| Memoranda: | ||
| Average total assets | $111,107,500 | 4,826 |
| Average earning assets | $104,229,750 | 4,762 |
| Average equity | $20,576,500 | 3,160 |
| Average total loans | $73,742,000 | 4,786 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 7,398 |
| Cost of funding earning assets | 2.6030% | 1,276 |
| Net interest margin | 2.0919% | 7,817 |
| Noninterest income to average assets | 0.1752% | 7,042 |
| Noninterest expense to average assets | 1.3762% | 8,024 |
| Loan and lease loss provision to assets | 0.2890% | 4,264 |
| Net operating income to assets | 0.3142% | 4,831 |
| Return on assets (ROA) | 0.3142% | 4,946 |
| Pretax return on assets | 0.4840% | 4,674 |
| Return on Equity (ROE) | 1.6875% | 5,406 |
| Retained earnings to average equity (ytd only) | 0.6789% | 4,920 |
| Net charge-offs to loans | 0.7850% | 2,109 |
| Credit loss provision to net charge-offs | 54.6075% | 5,687 |
| Earnings coverage of net charge-offs (x) | 1.4608% | 4,439 |
| Efficiency ratio | 64.0336% | 5,906 |
| Assets per employee ($millions) | 12.4362% | 149 |
| Cash dividends to net income (ytd only)* | 59.7701% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 3,891 |
| Loan loss allowance to noncurrent loans | 37.0899% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 5.8619% | 836 |
| Noncurrent loans to loans | 3.6910% | 1,883 |
| Net loans and leases to total assets | 61.8596% | 5,382 |
| Net loans and leases to deposits | 76.6702% | 5,068 |
| Net loans and leases to core deposits | 122.5304% | 2,152 |
| Total domestic deposits to total assets | 80.6828% | 5,198 |
| Equity capital to assets | 18.4595% | 510 |
| Core capital (leverage) ratio | 18.4493% | 462 |
| Tier 1 risk-based capital ratio | 30.4341% | 578 |
| Total risk-based capital ratio | 31.6857% | 561 |
| Memoranda: | ||
| Average total assets | $110,743,330 | 4,866 |
| Average earning assets | $104,496,670 | 4,776 |
| Average equity | $20,622,000 | 3,157 |
| Average total loans | $74,652,000 | 4,786 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4504% | 7,759 |
| Cost of funding earning assets | 2.6183% | 1,505 |
| Net interest margin | 1.8321% | 7,963 |
| Noninterest income to average assets | 0.1997% | 6,862 |
| Noninterest expense to average assets | 1.4162% | 8,035 |
| Loan and lease loss provision to assets | 0.1634% | 4,840 |
| Net operating income to assets | 0.2360% | 5,545 |
| Return on assets (ROA) | 0.2360% | 5,705 |
| Pretax return on assets | 0.3631% | 5,506 |
| Return on Equity (ROE) | 1.2620% | 6,052 |
| Retained earnings to average equity (ytd only) | 0.2524% | 5,557 |
| Net charge-offs to loans | 0.4006% | 2,497 |
| Credit loss provision to net charge-offs | 58.4416% | 4,547 |
| Earnings coverage of net charge-offs (x) | 1.8831% | 3,779 |
| Efficiency ratio | 72.8972% | 4,022 |
| Assets per employee ($millions) | 12.2106% | 164 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 3,465 |
| Loan loss allowance to noncurrent loans | 20.0000% | 7,168 |
| Noncurrent assets plus other real estate owned to assets | 6.5927% | 549 |
| Noncurrent loans to loans | 7.0315% | 570 |
| Net loans and leases to total assets | 67.7510% | 4,197 |
| Net loans and leases to deposits | 84.4180% | 3,910 |
| Net loans and leases to core deposits | 133.8806% | 1,419 |
| Total domestic deposits to total assets | 80.2566% | 5,258 |
| Equity capital to assets | 18.7770% | 514 |
| Core capital (leverage) ratio | 18.7631% | 471 |
| Tier 1 risk-based capital ratio | 29.2832% | 669 |
| Total risk-based capital ratio | 30.5361% | 650 |
| Memoranda: | ||
| Average total assets | $110,152,000 | 4,904 |
| Average earning assets | $104,799,500 | 4,778 |
| Average equity | $20,602,500 | 3,164 |
| Average total loans | $76,879,000 | 4,734 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7859% | 6,481 |
| Cost of funding earning assets | 3.1017% | 1,501 |
| Net interest margin | 2.6843% | 7,527 |
| Noninterest income to average assets | 0.0863% | 7,705 |
| Noninterest expense to average assets | 1.2291% | 8,151 |
| Loan and lease loss provision to assets | 0.2983% | 3,993 |
| Net operating income to assets | 0.7096% | 3,851 |
| Return on assets (ROA) | 0.7096% | 3,683 |
| Pretax return on assets | 1.1208% | 2,956 |
| Return on Equity (ROE) | 3.7894% | 4,899 |
| Retained earnings to average equity (ytd only) | 1.7403% | 4,166 |
| Net charge-offs to loans | 0.5737% | 2,095 |
| Credit loss provision to net charge-offs | 70.9607% | 6,059 |
| Earnings coverage of net charge-offs (x) | 3.3755% | 4,395 |
| Efficiency ratio | 46.4125% | 7,904 |
| Assets per employee ($millions) | 12.2677% | 157 |
| Cash dividends to net income (ytd only)* | 54.0750% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 3,209 |
| Loan loss allowance to noncurrent loans | 48.4714% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 3.7307% | 1,158 |
| Noncurrent loans to loans | 2.8847% | 1,871 |
| Net loans and leases to total assets | 69.8738% | 4,048 |
| Net loans and leases to deposits | 86.9585% | 3,957 |
| Net loans and leases to core deposits | 137.2307% | 1,428 |
| Total domestic deposits to total assets | 80.3531% | 4,883 |
| Equity capital to assets | 18.6307% | 584 |
| Core capital (leverage) ratio | 18.6092% | 548 |
| Tier 1 risk-based capital ratio | 28.4787% | 736 |
| Total risk-based capital ratio | 29.7324% | 719 |
| Memoranda: | ||
| Average total assets | $108,940,000 | 4,810 |
| Average earning assets | $103,976,800 | 4,683 |
| Average equity | $20,398,800 | 3,169 |
| Average total loans | $79,827,800 | 4,518 |