Home > Wray State Bank > Performance and Condition Ratios
Wray State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0418% | 602 |
| Cost of funding earning assets | 1.9149% | 1,046 |
| Net interest margin | 4.1269% | 1,036 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.3742% | 2,653 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3000% | 1,437 |
| Return on assets (ROA) | 1.2934% | 1,418 |
| Pretax return on assets | 1.6798% | 1,099 |
| Return on Equity (ROE) | 12.8100% | 1,777 |
| Retained earnings to average equity (ytd only) | 11.1327% | 765 |
| Net charge-offs to loans | -0.0073% | 3,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.5300% | 3,339 |
| Assets per employee ($millions) | 7.4712% | 1,746 |
| Cash dividends to net income (ytd only)* | 13.1113% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 1,170 |
| Loan loss allowance to noncurrent loans | 68.5684% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.5072% | 248 |
| Noncurrent loans to loans | 2.1309% | 253 |
| Net loans and leases to total assets | 69.7000% | 1,842 |
| Net loans and leases to deposits | 77.9267% | 2,271 |
| Net loans and leases to core deposits | 89.2623% | 2,103 |
| Total domestic deposits to total assets | 89.4400% | 933 |
| Equity capital to assets | 9.5644% | 2,300 |
| Core capital (leverage) ratio | 9.6876% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6777% | 1,633 |
| Memoranda: | ||
| Average total assets | $218,176,800 | 2,855 |
| Average earning assets | $200,900,200 | 2,858 |
| Average equity | $22,025,200 | 2,693 |
| Average total loans | $165,199,200 | 2,556 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0026% | 528 |
| Cost of funding earning assets | 1.6509% | 1,274 |
| Net interest margin | 4.3517% | 748 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.3939% | 2,530 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.4471% | 1,226 |
| Return on assets (ROA) | 1.4402% | 1,216 |
| Pretax return on assets | 1.8735% | 896 |
| Return on Equity (ROE) | 14.0500% | 1,642 |
| Retained earnings to average equity (ytd only) | 12.3555% | 912 |
| Net charge-offs to loans | -0.0352% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.1513% | 3,473 |
| Assets per employee ($millions) | 7.0631% | 1,912 |
| Cash dividends to net income (ytd only)* | 12.0614% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,174 |
| Loan loss allowance to noncurrent loans | 71.0688% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.5813% | 228 |
| Noncurrent loans to loans | 2.0769% | 279 |
| Net loans and leases to total assets | 75.0100% | 1,234 |
| Net loans and leases to deposits | 84.0964% | 1,730 |
| Net loans and leases to core deposits | 95.8683% | 1,556 |
| Total domestic deposits to total assets | 89.2000% | 1,187 |
| Equity capital to assets | 9.7753% | 1,946 |
| Core capital (leverage) ratio | 10.3392% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5447% | 1,695 |
| Memoranda: | ||
| Average total assets | $211,083,500 | 2,914 |
| Average earning assets | $194,157,000 | 2,927 |
| Average equity | $21,636,250 | 2,715 |
| Average total loans | $162,902,750 | 2,584 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9816% | 450 |
| Cost of funding earning assets | 1.2939% | 1,727 |
| Net interest margin | 4.6877% | 466 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.4405% | 2,375 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.6485% | 874 |
| Return on assets (ROA) | 1.6516% | 871 |
| Pretax return on assets | 2.1591% | 567 |
| Return on Equity (ROE) | 15.8400% | 1,295 |
| Retained earnings to average equity (ytd only) | 14.1689% | 658 |
| Net charge-offs to loans | -0.0688% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.4068% | 3,747 |
| Assets per employee ($millions) | 6.8951% | 2,007 |
| Cash dividends to net income (ytd only)* | 10.5758% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 1,184 |
| Loan loss allowance to noncurrent loans | 68.2880% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.7216% | 183 |
| Noncurrent loans to loans | 2.1950% | 232 |
| Net loans and leases to total assets | 77.2600% | 909 |
| Net loans and leases to deposits | 88.0929% | 1,337 |
| Net loans and leases to core deposits | 95.9614% | 1,471 |
| Total domestic deposits to total assets | 87.7000% | 1,707 |
| Equity capital to assets | 10.3570% | 1,654 |
| Core capital (leverage) ratio | 10.3946% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7352% | 1,643 |
| Memoranda: | ||
| Average total assets | $206,105,000 | 2,959 |
| Average earning assets | $189,814,667 | 2,963 |
| Average equity | $21,483,667 | 2,739 |
| Average total loans | $159,841,667 | 2,605 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0924% | 282 |
| Cost of funding earning assets | 0.7140% | 3,014 |
| Net interest margin | 5.3784% | 176 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.4263% | 2,450 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 2.1032% | 423 |
| Return on assets (ROA) | 2.1000% | 418 |
| Pretax return on assets | 2.7941% | 251 |
| Return on Equity (ROE) | 20.0800% | 754 |
| Retained earnings to average equity (ytd only) | 18.4719% | 480 |
| Net charge-offs to loans | -0.2463% | 4,612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.9207% | 4,224 |
| Assets per employee ($millions) | 6.3525% | 2,450 |
| Cash dividends to net income (ytd only)* | 8.0038% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 996 |
| Loan loss allowance to noncurrent loans | 58.9252% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 2.1055% | 109 |
| Noncurrent loans to loans | 2.7257% | 169 |
| Net loans and leases to total assets | 76.0000% | 973 |
| Net loans and leases to deposits | 88.9685% | 1,137 |
| Net loans and leases to core deposits | 97.6859% | 1,193 |
| Total domestic deposits to total assets | 85.4300% | 2,743 |
| Equity capital to assets | 10.6921% | 1,462 |
| Core capital (leverage) ratio | 10.6776% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2171% | 1,568 |
| Memoranda: | ||
| Average total assets | $202,283,000 | 3,029 |
| Average earning assets | $186,002,000 | 3,021 |
| Average equity | $21,156,500 | 2,787 |
| Average total loans | $155,936,500 | 2,653 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 1,087 |
| Cost of funding earning assets | 0.2539% | 3,291 |
| Net interest margin | 4.0269% | 757 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.4057% | 2,409 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.2032% | 1,756 |
| Return on assets (ROA) | 1.1531% | 1,901 |
| Pretax return on assets | 1.5049% | 1,442 |
| Return on Equity (ROE) | 11.1700% | 2,417 |
| Retained earnings to average equity (ytd only) | 9.4974% | 1,316 |
| Net charge-offs to loans | 0.1700% | 490 |
| Credit loss provision to net charge-offs | 60.9756% | 1,768 |
| Earnings coverage of net charge-offs (x) | 13.1667% | 2,083 |
| Efficiency ratio | 59.3958% | 3,136 |
| Assets per employee ($millions) | 6.0996% | 2,676 |
| Cash dividends to net income (ytd only)* | 14.9714% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,086 |
| Loan loss allowance to noncurrent loans | 47.6427% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 2.4974% | 76 |
| Noncurrent loans to loans | 3.2464% | 126 |
| Net loans and leases to total assets | 75.7400% | 1,032 |
| Net loans and leases to deposits | 86.4851% | 1,277 |
| Net loans and leases to core deposits | 94.5686% | 1,269 |
| Total domestic deposits to total assets | 87.5800% | 2,206 |
| Equity capital to assets | 10.2233% | 1,597 |
| Core capital (leverage) ratio | 10.2048% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8619% | 1,671 |
| Memoranda: | ||
| Average total assets | $196,952,000 | 3,058 |
| Average earning assets | $180,810,000 | 3,056 |
| Average equity | $20,331,800 | 2,926 |
| Average total loans | $144,726,600 | 2,683 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 1,212 |
| Cost of funding earning assets | 0.2089% | 3,164 |
| Net interest margin | 3.8185% | 924 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.3845% | 2,386 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0744% | 2,188 |
| Return on assets (ROA) | 1.0217% | 2,376 |
| Pretax return on assets | 1.3294% | 1,949 |
| Return on Equity (ROE) | 9.8700% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.1957% | 1,927 |
| Net charge-offs to loans | 0.1285% | 499 |
| Credit loss provision to net charge-offs | 93.4307% | 1,364 |
| Earnings coverage of net charge-offs (x) | 15.9051% | 1,830 |
| Efficiency ratio | 61.6508% | 2,872 |
| Assets per employee ($millions) | 6.2990% | 2,492 |
| Cash dividends to net income (ytd only)* | 16.9887% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 923 |
| Loan loss allowance to noncurrent loans | 43.8438% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 2.8991% | 56 |
| Noncurrent loans to loans | 3.8115% | 105 |
| Net loans and leases to total assets | 74.7900% | 1,031 |
| Net loans and leases to deposits | 84.3014% | 1,278 |
| Net loans and leases to core deposits | 92.3784% | 1,166 |
| Total domestic deposits to total assets | 88.7200% | 2,206 |
| Equity capital to assets | 9.9663% | 1,645 |
| Core capital (leverage) ratio | 10.2011% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5227% | 1,869 |
| Memoranda: | ||
| Average total assets | $195,868,500 | 3,090 |
| Average earning assets | $179,995,000 | 3,090 |
| Average equity | $20,270,250 | 2,972 |
| Average total loans | $142,195,750 | 2,716 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8068% | 1,299 |
| Cost of funding earning assets | 0.1972% | 2,953 |
| Net interest margin | 3.6096% | 1,052 |
| Noninterest income to average assets | 0.3458% | 3,078 |
| Noninterest expense to average assets | 2.3818% | 2,289 |
| Loan and lease loss provision to assets | 0.1071% | 929 |
| Net operating income to assets | 0.9083% | 2,549 |
| Return on assets (ROA) | 0.8487% | 2,762 |
| Pretax return on assets | 1.1057% | 2,386 |
| Return on Equity (ROE) | 8.1013% | 2,993 |
| Retained earnings to average equity (ytd only) | 6.4460% | 2,192 |
| Net charge-offs to loans | 0.1970% | 329 |
| Credit loss provision to net charge-offs | 76.0870% | 1,408 |
| Earnings coverage of net charge-offs (x) | 9.1522% | 1,798 |
| Efficiency ratio | 64.8972% | 2,650 |
| Assets per employee ($millions) | 6.7281% | 2,150 |
| Cash dividends to net income (ytd only)* | 20.4327% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 891 |
| Loan loss allowance to noncurrent loans | 40.2357% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 3.1310% | 53 |
| Noncurrent loans to loans | 4.3249% | 82 |
| Net loans and leases to total assets | 71.1348% | 1,194 |
| Net loans and leases to deposits | 80.1388% | 1,375 |
| Net loans and leases to core deposits | 87.8115% | 1,231 |
| Total domestic deposits to total assets | 88.7645% | 2,275 |
| Equity capital to assets | 10.2489% | 1,564 |
| Core capital (leverage) ratio | 9.9012% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4794% | 1,874 |
| Memoranda: | ||
| Average total assets | $196,068,667 | 3,119 |
| Average earning assets | $180,572,667 | 3,132 |
| Average equity | $20,540,000 | 3,014 |
| Average total loans | $140,086,333 | 2,752 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8002% | 1,085 |
| Cost of funding earning assets | 0.2029% | 2,759 |
| Net interest margin | 3.5972% | 900 |
| Noninterest income to average assets | 0.3256% | 3,153 |
| Noninterest expense to average assets | 2.3852% | 2,216 |
| Loan and lease loss provision to assets | 0.1689% | 464 |
| Net operating income to assets | 0.8359% | 2,532 |
| Return on assets (ROA) | 0.7957% | 2,665 |
| Pretax return on assets | 1.0400% | 2,323 |
| Return on Equity (ROE) | 7.5151% | 2,865 |
| Retained earnings to average equity (ytd only) | 5.8814% | 2,285 |
| Net charge-offs to loans | -0.0573% | 4,305 |
| Credit loss provision to net charge-offs | -415.0000% | 3,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4383% | 2,843 |
| Assets per employee ($millions) | 6.3269% | 2,526 |
| Cash dividends to net income (ytd only)* | 21.7391% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8743% | 777 |
| Loan loss allowance to noncurrent loans | 54.7142% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.4172% | 106 |
| Noncurrent loans to loans | 3.4257% | 132 |
| Net loans and leases to total assets | 69.2389% | 1,091 |
| Net loans and leases to deposits | 78.1130% | 1,278 |
| Net loans and leases to core deposits | 85.9141% | 1,136 |
| Total domestic deposits to total assets | 88.6394% | 2,237 |
| Equity capital to assets | 10.4877% | 1,593 |
| Core capital (leverage) ratio | 9.7134% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5687% | 1,964 |
| Memoranda: | ||
| Average total assets | $196,546,000 | 3,126 |
| Average earning assets | $181,361,000 | 3,130 |
| Average equity | $20,811,500 | 3,073 |
| Average total loans | $139,503,500 | 2,754 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4240% | 686 |
| Cost of funding earning assets | 0.2923% | 2,478 |
| Net interest margin | 4.1317% | 559 |
| Noninterest income to average assets | 0.3431% | 3,361 |
| Noninterest expense to average assets | 2.4681% | 2,286 |
| Loan and lease loss provision to assets | 0.1347% | 905 |
| Net operating income to assets | 1.1567% | 2,078 |
| Return on assets (ROA) | 1.1272% | 2,239 |
| Pretax return on assets | 1.4967% | 1,742 |
| Return on Equity (ROE) | 10.2362% | 2,438 |
| Retained earnings to average equity (ytd only) | 8.8602% | 1,246 |
| Net charge-offs to loans | -0.0570% | 4,386 |
| Credit loss provision to net charge-offs | -323.3766% | 3,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6599% | 3,204 |
| Assets per employee ($millions) | 6.3535% | 2,445 |
| Cash dividends to net income (ytd only)* | 13.4422% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 917 |
| Loan loss allowance to noncurrent loans | 45.6227% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 2.7722% | 86 |
| Noncurrent loans to loans | 3.8830% | 109 |
| Net loans and leases to total assets | 70.1271% | 1,030 |
| Net loans and leases to deposits | 79.3101% | 1,273 |
| Net loans and leases to core deposits | 87.4759% | 1,110 |
| Total domestic deposits to total assets | 88.4214% | 1,831 |
| Equity capital to assets | 10.6891% | 2,019 |
| Core capital (leverage) ratio | 9.9225% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2085% | 2,159 |
| Memoranda: | ||
| Average total assets | $184,801,200 | 3,170 |
| Average earning assets | $169,687,400 | 3,192 |
| Average equity | $20,349,400 | 3,182 |
| Average total loans | $135,039,200 | 2,781 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 534 |
| Cost of funding earning assets | 0.3108% | 2,490 |
| Net interest margin | 4.3264% | 429 |
| Noninterest income to average assets | 0.3455% | 3,384 |
| Noninterest expense to average assets | 2.5821% | 1,891 |
| Loan and lease loss provision to assets | 0.0952% | 1,253 |
| Net operating income to assets | 1.2345% | 2,042 |
| Return on assets (ROA) | 1.1986% | 2,229 |
| Pretax return on assets | 1.5947% | 1,715 |
| Return on Equity (ROE) | 10.7994% | 2,442 |
| Retained earnings to average equity (ytd only) | 9.5106% | 1,479 |
| Net charge-offs to loans | -0.0758% | 4,514 |
| Credit loss provision to net charge-offs | -171.0526% | 3,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8029% | 3,006 |
| Assets per employee ($millions) | 6.0252% | 2,670 |
| Cash dividends to net income (ytd only)* | 11.9339% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7102% | 1,095 |
| Loan loss allowance to noncurrent loans | 40.2001% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 3.2630% | 68 |
| Noncurrent loans to loans | 4.2543% | 109 |
| Net loans and leases to total assets | 75.3866% | 588 |
| Net loans and leases to deposits | 87.8460% | 724 |
| Net loans and leases to core deposits | 97.2946% | 685 |
| Total domestic deposits to total assets | 85.8167% | 2,815 |
| Equity capital to assets | 11.5117% | 1,664 |
| Core capital (leverage) ratio | 10.0727% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6613% | 2,101 |
| Memoranda: | ||
| Average total assets | $181,762,000 | 3,228 |
| Average earning assets | $166,878,750 | 3,247 |
| Average equity | $20,173,500 | 3,233 |
| Average total loans | $133,646,000 | 2,837 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0137% | 333 |
| Cost of funding earning assets | 0.3232% | 2,558 |
| Net interest margin | 4.6905% | 267 |
| Noninterest income to average assets | 0.3317% | 3,442 |
| Noninterest expense to average assets | 2.5536% | 1,982 |
| Loan and lease loss provision to assets | 0.1186% | 1,065 |
| Net operating income to assets | 1.4715% | 1,370 |
| Return on assets (ROA) | 1.4168% | 1,590 |
| Pretax return on assets | 1.8946% | 1,032 |
| Return on Equity (ROE) | 12.9246% | 1,745 |
| Retained earnings to average equity (ytd only) | 11.6221% | 992 |
| Net charge-offs to loans | -0.1121% | 4,653 |
| Credit loss provision to net charge-offs | -145.9459% | 3,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0817% | 3,664 |
| Assets per employee ($millions) | 5.9560% | 2,663 |
| Cash dividends to net income (ytd only)* | 10.0775% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 1,104 |
| Loan loss allowance to noncurrent loans | 36.9507% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 3.4387% | 76 |
| Noncurrent loans to loans | 4.5536% | 102 |
| Net loans and leases to total assets | 74.2450% | 728 |
| Net loans and leases to deposits | 88.8707% | 723 |
| Net loans and leases to core deposits | 97.8619% | 726 |
| Total domestic deposits to total assets | 83.5428% | 3,564 |
| Equity capital to assets | 11.0959% | 1,915 |
| Core capital (leverage) ratio | 9.9544% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3345% | 2,235 |
| Memoranda: | ||
| Average total assets | $182,097,667 | 3,238 |
| Average earning assets | $167,103,333 | 3,250 |
| Average equity | $19,962,000 | 3,247 |
| Average total loans | $131,982,667 | 2,876 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3597% | 218 |
| Cost of funding earning assets | 0.3421% | 2,596 |
| Net interest margin | 5.0177% | 183 |
| Noninterest income to average assets | 0.3274% | 3,463 |
| Noninterest expense to average assets | 2.5660% | 1,970 |
| Loan and lease loss provision to assets | 0.1880% | 654 |
| Net operating income to assets | 1.6223% | 1,078 |
| Return on assets (ROA) | 1.5175% | 1,350 |
| Pretax return on assets | 2.0483% | 876 |
| Return on Equity (ROE) | 13.9293% | 1,444 |
| Retained earnings to average equity (ytd only) | 12.6095% | 998 |
| Net charge-offs to loans | 0.0405% | 1,057 |
| Credit loss provision to net charge-offs | 653.8462% | 533 |
| Earnings coverage of net charge-offs (x) | 82.3846% | 691 |
| Efficiency ratio | 51.9946% | 3,992 |
| Assets per employee ($millions) | 5.8685% | 2,727 |
| Cash dividends to net income (ytd only)* | 9.4752% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6939% | 1,059 |
| Loan loss allowance to noncurrent loans | 41.9355% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.9309% | 105 |
| Noncurrent loans to loans | 4.0394% | 135 |
| Net loans and leases to total assets | 71.3287% | 1,112 |
| Net loans and leases to deposits | 81.2345% | 1,404 |
| Net loans and leases to core deposits | 89.0820% | 1,283 |
| Total domestic deposits to total assets | 87.8059% | 1,938 |
| Equity capital to assets | 10.9870% | 1,871 |
| Core capital (leverage) ratio | 9.8174% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7111% | 2,001 |
| Memoranda: | ||
| Average total assets | $180,828,500 | 3,246 |
| Average earning assets | $166,053,500 | 3,252 |
| Average equity | $19,699,500 | 3,267 |
| Average total loans | $128,259,500 | 2,925 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 1,007 |
| Cost of funding earning assets | 0.6032% | 2,278 |
| Net interest margin | 4.0394% | 894 |
| Noninterest income to average assets | 0.3590% | 3,316 |
| Noninterest expense to average assets | 2.6506% | 2,383 |
| Loan and lease loss provision to assets | 0.2996% | 1,252 |
| Net operating income to assets | 0.8287% | 2,984 |
| Return on assets (ROA) | 0.8012% | 3,208 |
| Pretax return on assets | 1.0499% | 2,882 |
| Return on Equity (ROE) | 7.0789% | 3,181 |
| Retained earnings to average equity (ytd only) | 5.7023% | 1,951 |
| Net charge-offs to loans | 0.2396% | 729 |
| Credit loss provision to net charge-offs | 165.0165% | 2,343 |
| Earnings coverage of net charge-offs (x) | 7.6238% | 2,677 |
| Efficiency ratio | 65.6914% | 2,578 |
| Assets per employee ($millions) | 5.6167% | 2,722 |
| Cash dividends to net income (ytd only)* | 19.4465% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 966 |
| Loan loss allowance to noncurrent loans | 38.3050% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 3.1447% | 107 |
| Noncurrent loans to loans | 4.5391% | 109 |
| Net loans and leases to total assets | 68.0754% | 1,819 |
| Net loans and leases to deposits | 77.2817% | 2,149 |
| Net loans and leases to core deposits | 85.2012% | 1,936 |
| Total domestic deposits to total assets | 88.0873% | 1,434 |
| Equity capital to assets | 10.7999% | 2,431 |
| Core capital (leverage) ratio | 9.6681% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3824% | 2,091 |
| Memoranda: | ||
| Average total assets | $166,870,200 | 3,224 |
| Average earning assets | $151,855,400 | 3,249 |
| Average equity | $18,887,000 | 3,288 |
| Average total loans | $126,485,000 | 2,901 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8776% | 769 |
| Cost of funding earning assets | 0.6657% | 2,224 |
| Net interest margin | 4.2120% | 711 |
| Noninterest income to average assets | 0.3642% | 3,278 |
| Noninterest expense to average assets | 2.7211% | 2,201 |
| Loan and lease loss provision to assets | 0.3177% | 1,248 |
| Net operating income to assets | 0.8748% | 2,793 |
| Return on assets (ROA) | 0.8375% | 3,085 |
| Pretax return on assets | 1.1031% | 2,737 |
| Return on Equity (ROE) | 7.3077% | 3,092 |
| Retained earnings to average equity (ytd only) | 5.9215% | 2,136 |
| Net charge-offs to loans | 0.3192% | 495 |
| Credit loss provision to net charge-offs | 128.2895% | 2,452 |
| Earnings coverage of net charge-offs (x) | 5.9276% | 2,694 |
| Efficiency ratio | 64.9553% | 2,601 |
| Assets per employee ($millions) | 5.6482% | 2,582 |
| Cash dividends to net income (ytd only)* | 18.9689% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 1,313 |
| Loan loss allowance to noncurrent loans | 40.3219% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 3.0063% | 150 |
| Noncurrent loans to loans | 3.7869% | 185 |
| Net loans and leases to total assets | 78.1746% | 811 |
| Net loans and leases to deposits | 89.5244% | 1,317 |
| Net loans and leases to core deposits | 99.6944% | 1,179 |
| Total domestic deposits to total assets | 87.3221% | 1,533 |
| Equity capital to assets | 11.3482% | 2,117 |
| Core capital (leverage) ratio | 9.9090% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8273% | 2,275 |
| Memoranda: | ||
| Average total assets | $163,654,500 | 3,232 |
| Average earning assets | $148,620,000 | 3,260 |
| Average equity | $18,756,000 | 3,302 |
| Average total loans | $126,976,500 | 2,904 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1266% | 657 |
| Cost of funding earning assets | 0.7024% | 2,368 |
| Net interest margin | 4.4241% | 590 |
| Noninterest income to average assets | 0.3537% | 3,356 |
| Noninterest expense to average assets | 2.7627% | 2,179 |
| Loan and lease loss provision to assets | 0.2968% | 1,450 |
| Net operating income to assets | 0.9911% | 2,357 |
| Return on assets (ROA) | 0.9325% | 2,702 |
| Pretax return on assets | 1.2391% | 2,223 |
| Return on Equity (ROE) | 8.1083% | 2,703 |
| Retained earnings to average equity (ytd only) | 6.7103% | 1,774 |
| Net charge-offs to loans | 0.3824% | 414 |
| Credit loss provision to net charge-offs | 100.8403% | 2,388 |
| Earnings coverage of net charge-offs (x) | 5.4706% | 2,514 |
| Efficiency ratio | 63.1787% | 2,930 |
| Assets per employee ($millions) | 5.3816% | 2,754 |
| Cash dividends to net income (ytd only)* | 17.2414% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 1,192 |
| Loan loss allowance to noncurrent loans | 29.1463% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 4.0515% | 87 |
| Noncurrent loans to loans | 5.2365% | 99 |
| Net loans and leases to total assets | 76.1888% | 1,103 |
| Net loans and leases to deposits | 87.3424% | 1,622 |
| Net loans and leases to core deposits | 96.9749% | 1,499 |
| Total domestic deposits to total assets | 87.2300% | 1,530 |
| Equity capital to assets | 11.4351% | 2,016 |
| Core capital (leverage) ratio | 10.0093% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2694% | 2,078 |
| Memoranda: | ||
| Average total assets | $161,724,333 | 3,230 |
| Average earning assets | $146,921,333 | 3,255 |
| Average equity | $18,598,333 | 3,315 |
| Average total loans | $124,463,000 | 2,922 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0566% | 870 |
| Cost of funding earning assets | 0.7303% | 2,779 |
| Net interest margin | 4.3263% | 724 |
| Noninterest income to average assets | 0.4071% | 3,048 |
| Noninterest expense to average assets | 2.8397% | 2,307 |
| Loan and lease loss provision to assets | 0.2513% | 1,235 |
| Net operating income to assets | 0.9474% | 2,356 |
| Return on assets (ROA) | 0.9474% | 2,456 |
| Pretax return on assets | 1.2314% | 2,096 |
| Return on Equity (ROE) | 8.2140% | 2,425 |
| Retained earnings to average equity (ytd only) | 6.7978% | 1,611 |
| Net charge-offs to loans | -0.2194% | 4,950 |
| Credit loss provision to net charge-offs | -149.2537% | 3,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6977% | 3,010 |
| Assets per employee ($millions) | 5.1299% | 2,499 |
| Cash dividends to net income (ytd only)* | 17.2414% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7701% | 757 |
| Loan loss allowance to noncurrent loans | 64.0180% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.0971% | 377 |
| Noncurrent loans to loans | 2.7650% | 412 |
| Net loans and leases to total assets | 74.5023% | 1,533 |
| Net loans and leases to deposits | 85.6612% | 2,042 |
| Net loans and leases to core deposits | 94.9655% | 1,885 |
| Total domestic deposits to total assets | 86.9732% | 1,565 |
| Equity capital to assets | 11.6949% | 2,292 |
| Core capital (leverage) ratio | 10.2337% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0670% | 2,258 |
| Memoranda: | ||
| Average total assets | $159,172,000 | 3,223 |
| Average earning assets | $144,050,500 | 3,250 |
| Average equity | $18,359,000 | 3,340 |
| Average total loans | $122,157,000 | 2,929 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 861 |
| Cost of funding earning assets | 0.7234% | 3,048 |
| Net interest margin | 4.5521% | 645 |
| Noninterest income to average assets | 0.3959% | 3,320 |
| Noninterest expense to average assets | 2.8148% | 2,554 |
| Loan and lease loss provision to assets | 0.2514% | 723 |
| Net operating income to assets | 1.1177% | 2,375 |
| Return on assets (ROA) | 1.1197% | 2,467 |
| Pretax return on assets | 1.4500% | 1,979 |
| Return on Equity (ROE) | 10.2335% | 2,192 |
| Retained earnings to average equity (ytd only) | 9.8554% | 521 |
| Net charge-offs to loans | 0.2087% | 987 |
| Credit loss provision to net charge-offs | 153.1008% | 1,668 |
| Earnings coverage of net charge-offs (x) | 10.3450% | 2,579 |
| Efficiency ratio | 62.3607% | 3,314 |
| Assets per employee ($millions) | 5.1393% | 2,409 |
| Cash dividends to net income (ytd only)* | 3.6953% | 3,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 996 |
| Loan loss allowance to noncurrent loans | 67.7919% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.8221% | 474 |
| Noncurrent loans to loans | 2.3468% | 499 |
| Net loans and leases to total assets | 76.4088% | 1,341 |
| Net loans and leases to deposits | 86.6020% | 2,019 |
| Net loans and leases to core deposits | 94.6197% | 2,011 |
| Total domestic deposits to total assets | 88.2298% | 1,018 |
| Equity capital to assets | 11.3735% | 2,641 |
| Core capital (leverage) ratio | 10.1767% | 3,329 |
| Tier 1 risk-based capital ratio | 12.4107% | 4,129 |
| Total risk-based capital ratio | 13.6645% | 3,993 |
| Memoranda: | ||
| Average total assets | $157,099,400 | 3,227 |
| Average earning assets | $142,111,200 | 3,253 |
| Average equity | $17,188,600 | 3,412 |
| Average total loans | $123,595,600 | 2,901 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2913% | 882 |
| Cost of funding earning assets | 0.7138% | 3,137 |
| Net interest margin | 4.5775% | 642 |
| Noninterest income to average assets | 0.3960% | 3,344 |
| Noninterest expense to average assets | 2.8668% | 2,356 |
| Loan and lease loss provision to assets | 0.2725% | 571 |
| Net operating income to assets | 1.0815% | 2,647 |
| Return on assets (ROA) | 1.0842% | 2,727 |
| Pretax return on assets | 1.4002% | 2,315 |
| Return on Equity (ROE) | 10.0101% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.4990% | 893 |
| Net charge-offs to loans | 0.2784% | 629 |
| Credit loss provision to net charge-offs | 124.0310% | 1,897 |
| Earnings coverage of net charge-offs (x) | 7.5969% | 2,728 |
| Efficiency ratio | 63.1994% | 3,127 |
| Assets per employee ($millions) | 5.0801% | 2,466 |
| Cash dividends to net income (ytd only)* | 5.1058% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 1,202 |
| Loan loss allowance to noncurrent loans | 63.1632% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.9665% | 451 |
| Noncurrent loans to loans | 2.4022% | 499 |
| Net loans and leases to total assets | 80.6218% | 757 |
| Net loans and leases to deposits | 96.1071% | 1,006 |
| Net loans and leases to core deposits | 105.5983% | 1,215 |
| Total domestic deposits to total assets | 83.8875% | 2,862 |
| Equity capital to assets | 11.5700% | 2,611 |
| Core capital (leverage) ratio | 10.2125% | 3,410 |
| Tier 1 risk-based capital ratio | 12.3428% | 4,237 |
| Total risk-based capital ratio | 13.5966% | 4,109 |
| Memoranda: | ||
| Average total assets | $156,544,750 | 3,265 |
| Average earning assets | $141,586,250 | 3,291 |
| Average equity | $16,955,750 | 3,461 |
| Average total loans | $123,569,250 | 2,930 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2290% | 929 |
| Cost of funding earning assets | 0.6837% | 3,257 |
| Net interest margin | 4.5453% | 695 |
| Noninterest income to average assets | 0.3736% | 3,445 |
| Noninterest expense to average assets | 2.8368% | 2,455 |
| Loan and lease loss provision to assets | 0.1963% | 884 |
| Net operating income to assets | 1.1294% | 2,407 |
| Return on assets (ROA) | 1.1334% | 2,471 |
| Pretax return on assets | 1.4627% | 1,981 |
| Return on Equity (ROE) | 10.6993% | 2,093 |
| Retained earnings to average equity (ytd only) | 10.6993% | 602 |
| Net charge-offs to loans | 0.1039% | 1,351 |
| Credit loss provision to net charge-offs | 242.1875% | 1,049 |
| Earnings coverage of net charge-offs (x) | 20.4063% | 1,778 |
| Efficiency ratio | 63.1698% | 3,260 |
| Assets per employee ($millions) | 4.8638% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 1,089 |
| Loan loss allowance to noncurrent loans | 60.1942% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 2.1177% | 417 |
| Noncurrent loans to loans | 2.6152% | 431 |
| Net loans and leases to total assets | 79.6994% | 935 |
| Net loans and leases to deposits | 90.4186% | 1,688 |
| Net loans and leases to core deposits | 98.4032% | 1,860 |
| Total domestic deposits to total assets | 88.1449% | 1,032 |
| Equity capital to assets | 11.4731% | 2,621 |
| Core capital (leverage) ratio | 9.6237% | 4,006 |
| Tier 1 risk-based capital ratio | 12.0318% | 4,397 |
| Total risk-based capital ratio | 13.2853% | 4,282 |
| Memoranda: | ||
| Average total assets | $157,925,330 | 3,267 |
| Average earning assets | $143,049,000 | 3,294 |
| Average equity | $16,730,000 | 3,493 |
| Average total loans | $123,171,330 | 2,947 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 1,132 |
| Cost of funding earning assets | 0.6655% | 3,231 |
| Net interest margin | 4.4177% | 861 |
| Noninterest income to average assets | 0.3740% | 3,357 |
| Noninterest expense to average assets | 2.8136% | 2,527 |
| Loan and lease loss provision to assets | 0.1486% | 1,138 |
| Net operating income to assets | 1.0947% | 2,495 |
| Return on assets (ROA) | 1.0947% | 2,539 |
| Pretax return on assets | 1.4068% | 2,060 |
| Return on Equity (ROE) | 10.7507% | 2,050 |
| Retained earnings to average equity (ytd only) | 10.7507% | 862 |
| Net charge-offs to loans | 0.0808% | 1,279 |
| Credit loss provision to net charge-offs | 240.0000% | 948 |
| Earnings coverage of net charge-offs (x) | 25.1200% | 1,438 |
| Efficiency ratio | 64.3991% | 3,174 |
| Assets per employee ($millions) | 5.2411% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 1,213 |
| Loan loss allowance to noncurrent loans | 58.1308% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 2.0416% | 466 |
| Noncurrent loans to loans | 2.6491% | 474 |
| Net loans and leases to total assets | 75.8796% | 1,504 |
| Net loans and leases to deposits | 85.3827% | 2,204 |
| Net loans and leases to core deposits | 92.8206% | 2,229 |
| Total domestic deposits to total assets | 88.8700% | 924 |
| Equity capital to assets | 10.6486% | 3,206 |
| Core capital (leverage) ratio | 9.1282% | 4,543 |
| Tier 1 risk-based capital ratio | 11.4419% | 4,770 |
| Total risk-based capital ratio | 12.6947% | 4,672 |
| Memoranda: | ||
| Average total assets | $161,498,500 | 3,282 |
| Average earning assets | $146,048,000 | 3,302 |
| Average equity | $16,445,500 | 3,539 |
| Average total loans | $123,711,000 | 2,981 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 1,088 |
| Cost of funding earning assets | 0.6601% | 2,321 |
| Net interest margin | 4.3218% | 1,104 |
| Noninterest income to average assets | 0.4436% | 3,147 |
| Noninterest expense to average assets | 2.6753% | 3,108 |
| Loan and lease loss provision to assets | 0.1887% | 1,018 |
| Net operating income to assets | 1.1446% | 2,413 |
| Return on assets (ROA) | 1.1446% | 2,411 |
| Pretax return on assets | 1.4864% | 1,826 |
| Return on Equity (ROE) | 12.0571% | 1,697 |
| Retained earnings to average equity (ytd only) | 11.6293% | 355 |
| Net charge-offs to loans | 0.2034% | 941 |
| Credit loss provision to net charge-offs | 118.8976% | 2,186 |
| Earnings coverage of net charge-offs (x) | 10.5551% | 2,706 |
| Efficiency ratio | 61.4965% | 3,629 |
| Assets per employee ($millions) | 5.3473% | 2,109 |
| Cash dividends to net income (ytd only)* | 3.5480% | 3,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,449 |
| Loan loss allowance to noncurrent loans | 58.7612% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.8798% | 532 |
| Noncurrent loans to loans | 2.4681% | 496 |
| Net loans and leases to total assets | 75.0569% | 1,765 |
| Net loans and leases to deposits | 83.4852% | 2,566 |
| Net loans and leases to core deposits | 90.4977% | 2,527 |
| Total domestic deposits to total assets | 89.9044% | 508 |
| Equity capital to assets | 9.7415% | 3,916 |
| Core capital (leverage) ratio | 8.7011% | 4,878 |
| Tier 1 risk-based capital ratio | 10.6853% | 5,116 |
| Total risk-based capital ratio | 11.9373% | 5,010 |
| Memoranda: | ||
| Average total assets | $160,055,600 | 3,281 |
| Average earning assets | $144,685,400 | 3,320 |
| Average equity | $15,194,400 | 3,612 |
| Average total loans | $124,896,400 | 2,940 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9326% | 1,088 |
| Cost of funding earning assets | 0.6576% | 2,103 |
| Net interest margin | 4.2750% | 1,171 |
| Noninterest income to average assets | 0.4698% | 3,042 |
| Noninterest expense to average assets | 2.7250% | 2,899 |
| Loan and lease loss provision to assets | 0.2774% | 547 |
| Net operating income to assets | 1.0313% | 2,956 |
| Return on assets (ROA) | 1.0313% | 2,967 |
| Pretax return on assets | 1.3364% | 2,480 |
| Return on Equity (ROE) | 10.9385% | 2,204 |
| Retained earnings to average equity (ytd only) | 10.3590% | 806 |
| Net charge-offs to loans | 0.3072% | 543 |
| Credit loss provision to net charge-offs | 114.9826% | 2,052 |
| Earnings coverage of net charge-offs (x) | 6.6899% | 2,863 |
| Efficiency ratio | 62.8051% | 3,375 |
| Assets per employee ($millions) | 5.4115% | 2,005 |
| Cash dividends to net income (ytd only)* | 5.2972% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,628 |
| Loan loss allowance to noncurrent loans | 48.9282% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 2.3781% | 383 |
| Noncurrent loans to loans | 2.9024% | 388 |
| Net loans and leases to total assets | 80.7720% | 905 |
| Net loans and leases to deposits | 90.8275% | 1,791 |
| Net loans and leases to core deposits | 98.6889% | 1,886 |
| Total domestic deposits to total assets | 88.9290% | 868 |
| Equity capital to assets | 9.8845% | 3,753 |
| Core capital (leverage) ratio | 8.5927% | 5,037 |
| Tier 1 risk-based capital ratio | 10.1059% | 5,364 |
| Total risk-based capital ratio | 11.3577% | 5,298 |
| Memoranda: | ||
| Average total assets | $158,628,250 | 3,325 |
| Average earning assets | $143,558,250 | 3,355 |
| Average equity | $14,956,000 | 3,671 |
| Average total loans | $124,558,250 | 2,974 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8559% | 1,116 |
| Cost of funding earning assets | 0.6449% | 1,959 |
| Net interest margin | 4.2111% | 1,260 |
| Noninterest income to average assets | 0.5050% | 2,832 |
| Noninterest expense to average assets | 2.6860% | 3,060 |
| Loan and lease loss provision to assets | 0.3643% | 352 |
| Net operating income to assets | 0.9938% | 3,053 |
| Return on assets (ROA) | 0.9938% | 3,049 |
| Pretax return on assets | 1.2614% | 2,668 |
| Return on Equity (ROE) | 10.7104% | 2,230 |
| Retained earnings to average equity (ytd only) | 10.7104% | 734 |
| Net charge-offs to loans | 0.0909% | 1,440 |
| Credit loss provision to net charge-offs | 517.8571% | 691 |
| Earnings coverage of net charge-offs (x) | 23.1071% | 1,722 |
| Efficiency ratio | 62.2960% | 3,589 |
| Assets per employee ($millions) | 5.3328% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 1,077 |
| Loan loss allowance to noncurrent loans | 68.6755% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.8991% | 581 |
| Noncurrent loans to loans | 2.3483% | 575 |
| Net loans and leases to total assets | 79.5681% | 1,088 |
| Net loans and leases to deposits | 88.6044% | 2,034 |
| Net loans and leases to core deposits | 96.5280% | 2,010 |
| Total domestic deposits to total assets | 89.8015% | 635 |
| Equity capital to assets | 9.8151% | 3,810 |
| Core capital (leverage) ratio | 8.2517% | 5,232 |
| Tier 1 risk-based capital ratio | 10.0762% | 5,414 |
| Total risk-based capital ratio | 11.3303% | 5,345 |
| Memoranda: | ||
| Average total assets | $159,193,330 | 3,329 |
| Average earning assets | $143,906,330 | 3,371 |
| Average equity | $14,770,670 | 3,708 |
| Average total loans | $123,216,330 | 3,000 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6805% | 1,352 |
| Cost of funding earning assets | 0.6215% | 1,907 |
| Net interest margin | 4.0590% | 1,540 |
| Noninterest income to average assets | 0.3443% | 3,848 |
| Noninterest expense to average assets | 2.6631% | 3,154 |
| Loan and lease loss provision to assets | 0.5450% | 192 |
| Net operating income to assets | 0.5871% | 4,460 |
| Return on assets (ROA) | 0.5871% | 4,469 |
| Pretax return on assets | 0.7927% | 4,166 |
| Return on Equity (ROE) | 6.5081% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.5081% | 2,494 |
| Net charge-offs to loans | 0.4349% | 357 |
| Credit loss provision to net charge-offs | 165.4135% | 1,171 |
| Earnings coverage of net charge-offs (x) | 4.0602% | 2,335 |
| Efficiency ratio | 66.5635% | 3,070 |
| Assets per employee ($millions) | 5.3016% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 1,155 |
| Loan loss allowance to noncurrent loans | 65.4441% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.8686% | 638 |
| Noncurrent loans to loans | 2.4459% | 563 |
| Net loans and leases to total assets | 75.1754% | 1,675 |
| Net loans and leases to deposits | 83.1496% | 2,486 |
| Net loans and leases to core deposits | 90.2030% | 2,433 |
| Total domestic deposits to total assets | 90.4098% | 499 |
| Equity capital to assets | 9.2035% | 4,359 |
| Core capital (leverage) ratio | 7.7125% | 5,467 |
| Tier 1 risk-based capital ratio | 9.8571% | 5,525 |
| Total risk-based capital ratio | 11.1111% | 5,480 |
| Memoranda: | ||
| Average total assets | $161,465,000 | 3,335 |
| Average earning assets | $145,456,000 | 3,388 |
| Average equity | $14,566,500 | 3,763 |
| Average total loans | $122,327,500 | 3,033 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7332% | 1,119 |
| Cost of funding earning assets | 0.6075% | 1,546 |
| Net interest margin | 4.1257% | 1,359 |
| Noninterest income to average assets | 0.3601% | 3,893 |
| Noninterest expense to average assets | 2.7570% | 2,932 |
| Loan and lease loss provision to assets | 0.4121% | 352 |
| Net operating income to assets | 0.4692% | 4,460 |
| Return on assets (ROA) | 0.4692% | 4,493 |
| Pretax return on assets | 0.9051% | 3,910 |
| Return on Equity (ROE) | 5.0768% | 4,132 |
| Retained earnings to average equity (ytd only) | 3.2711% | 3,345 |
| Net charge-offs to loans | 0.3319% | 764 |
| Credit loss provision to net charge-offs | 160.0998% | 1,669 |
| Earnings coverage of net charge-offs (x) | 5.1172% | 3,374 |
| Efficiency ratio | 67.6698% | 2,965 |
| Assets per employee ($millions) | 5.2865% | 2,162 |
| Cash dividends to net income (ytd only)* | 35.5677% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 1,382 |
| Loan loss allowance to noncurrent loans | 104.6761% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.0831% | 1,408 |
| Noncurrent loans to loans | 1.4414% | 1,187 |
| Net loans and leases to total assets | 74.0087% | 1,925 |
| Net loans and leases to deposits | 81.5041% | 2,764 |
| Net loans and leases to core deposits | 87.6940% | 2,749 |
| Total domestic deposits to total assets | 90.8037% | 295 |
| Equity capital to assets | 8.8448% | 4,859 |
| Core capital (leverage) ratio | 7.5103% | 5,560 |
| Tier 1 risk-based capital ratio | 9.4021% | 5,607 |
| Total risk-based capital ratio | 10.6547% | 5,595 |
| Memoranda: | ||
| Average total assets | $155,782,800 | 3,407 |
| Average earning assets | $140,242,600 | 3,447 |
| Average equity | $14,398,800 | 3,795 |
| Average total loans | $120,834,000 | 3,050 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7250% | 1,084 |
| Cost of funding earning assets | 0.6050% | 1,497 |
| Net interest margin | 4.1201% | 1,334 |
| Noninterest income to average assets | 0.3685% | 3,892 |
| Noninterest expense to average assets | 2.8087% | 2,693 |
| Loan and lease loss provision to assets | 0.3876% | 358 |
| Net operating income to assets | 0.5879% | 4,432 |
| Return on assets (ROA) | 0.5879% | 4,469 |
| Pretax return on assets | 0.8810% | 4,101 |
| Return on Equity (ROE) | 6.2887% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.4799% | 3,235 |
| Net charge-offs to loans | 0.1852% | 1,135 |
| Credit loss provision to net charge-offs | 267.6647% | 1,077 |
| Earnings coverage of net charge-offs (x) | 8.7605% | 2,742 |
| Efficiency ratio | 68.8856% | 2,726 |
| Assets per employee ($millions) | 5.2716% | 2,149 |
| Cash dividends to net income (ytd only)* | 28.7606% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 1,543 |
| Loan loss allowance to noncurrent loans | 110.8061% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.0825% | 1,545 |
| Noncurrent loans to loans | 1.3512% | 1,399 |
| Net loans and leases to total assets | 78.9161% | 1,133 |
| Net loans and leases to deposits | 87.8766% | 2,081 |
| Net loans and leases to core deposits | 94.7725% | 2,197 |
| Total domestic deposits to total assets | 89.8033% | 545 |
| Equity capital to assets | 9.2400% | 4,697 |
| Core capital (leverage) ratio | 7.8772% | 5,550 |
| Tier 1 risk-based capital ratio | 9.2094% | 5,691 |
| Total risk-based capital ratio | 10.4620% | 5,684 |
| Memoranda: | ||
| Average total assets | $153,758,000 | 3,454 |
| Average earning assets | $138,408,500 | 3,499 |
| Average equity | $14,374,750 | 3,837 |
| Average total loans | $120,256,250 | 3,077 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 1,160 |
| Cost of funding earning assets | 0.5905% | 1,509 |
| Net interest margin | 4.0567% | 1,443 |
| Noninterest income to average assets | 0.3743% | 3,881 |
| Noninterest expense to average assets | 2.8274% | 2,659 |
| Loan and lease loss provision to assets | 0.3047% | 497 |
| Net operating income to assets | 0.5949% | 4,328 |
| Return on assets (ROA) | 0.5949% | 4,375 |
| Pretax return on assets | 0.9048% | 3,915 |
| Return on Equity (ROE) | 6.3377% | 3,899 |
| Retained earnings to average equity (ytd only) | 4.5190% | 3,019 |
| Net charge-offs to loans | 0.0627% | 2,030 |
| Credit loss provision to net charge-offs | 627.0270% | 542 |
| Earnings coverage of net charge-offs (x) | 24.8919% | 1,624 |
| Efficiency ratio | 70.0390% | 2,665 |
| Assets per employee ($millions) | 5.1146% | 2,256 |
| Cash dividends to net income (ytd only)* | 28.6976% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 1,591 |
| Loan loss allowance to noncurrent loans | 94.6214% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2481% | 1,347 |
| Noncurrent loans to loans | 1.5795% | 1,176 |
| Net loans and leases to total assets | 77.8367% | 1,268 |
| Net loans and leases to deposits | 86.3271% | 2,180 |
| Net loans and leases to core deposits | 93.3230% | 2,211 |
| Total domestic deposits to total assets | 90.1648% | 481 |
| Equity capital to assets | 9.4344% | 4,476 |
| Core capital (leverage) ratio | 7.8226% | 5,583 |
| Tier 1 risk-based capital ratio | 9.3251% | 5,723 |
| Total risk-based capital ratio | 10.5774% | 5,712 |
| Memoranda: | ||
| Average total assets | $152,294,330 | 3,490 |
| Average earning assets | $137,499,670 | 3,531 |
| Average equity | $14,295,330 | 3,854 |
| Average total loans | $118,107,670 | 3,120 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 1,247 |
| Cost of funding earning assets | 0.5693% | 1,590 |
| Net interest margin | 3.9850% | 1,508 |
| Noninterest income to average assets | 0.3744% | 3,845 |
| Noninterest expense to average assets | 2.7603% | 2,923 |
| Loan and lease loss provision to assets | 0.2056% | 798 |
| Net operating income to assets | 0.6776% | 3,798 |
| Return on assets (ROA) | 0.6776% | 3,838 |
| Pretax return on assets | 1.0071% | 3,342 |
| Return on Equity (ROE) | 7.2369% | 3,302 |
| Retained earnings to average equity (ytd only) | 5.4065% | 2,663 |
| Net charge-offs to loans | 0.0378% | 2,041 |
| Credit loss provision to net charge-offs | 709.0909% | 454 |
| Earnings coverage of net charge-offs (x) | 41.8182% | 1,007 |
| Efficiency ratio | 69.4758% | 2,975 |
| Assets per employee ($millions) | 5.2584% | 2,128 |
| Cash dividends to net income (ytd only)* | 25.2918% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,951 |
| Loan loss allowance to noncurrent loans | 146.1806% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 2,412 |
| Noncurrent loans to loans | 0.9776% | 2,092 |
| Net loans and leases to total assets | 76.1735% | 1,391 |
| Net loans and leases to deposits | 84.7679% | 2,185 |
| Net loans and leases to core deposits | 91.0695% | 2,256 |
| Total domestic deposits to total assets | 89.8612% | 720 |
| Equity capital to assets | 9.3971% | 4,394 |
| Core capital (leverage) ratio | 7.7561% | 5,647 |
| Tier 1 risk-based capital ratio | 9.4252% | 5,780 |
| Total risk-based capital ratio | 10.6763% | 5,772 |
| Memoranda: | ||
| Average total assets | $151,722,500 | 3,535 |
| Average earning assets | $137,015,000 | 3,575 |
| Average equity | $14,205,000 | 3,891 |
| Average total loans | $116,540,000 | 3,166 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 1,466 |
| Cost of funding earning assets | 0.6020% | 1,316 |
| Net interest margin | 3.9218% | 1,890 |
| Noninterest income to average assets | 0.4035% | 3,854 |
| Noninterest expense to average assets | 2.8788% | 2,747 |
| Loan and lease loss provision to assets | 0.1508% | 1,659 |
| Net operating income to assets | 0.6232% | 4,110 |
| Return on assets (ROA) | 0.6290% | 4,205 |
| Pretax return on assets | 0.9159% | 3,791 |
| Return on Equity (ROE) | 6.7660% | 3,607 |
| Retained earnings to average equity (ytd only) | 5.4969% | 2,016 |
| Net charge-offs to loans | 0.0102% | 3,922 |
| Credit loss provision to net charge-offs | 1,963.6364% | 229 |
| Earnings coverage of net charge-offs (x) | 137.8182% | 454 |
| Efficiency ratio | 73.1206% | 2,412 |
| Assets per employee ($millions) | 4.8694% | 2,545 |
| Cash dividends to net income (ytd only)* | 18.7569% | 3,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 2,058 |
| Loan loss allowance to noncurrent loans | 141.4698% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 2,469 |
| Noncurrent loans to loans | 0.9919% | 2,108 |
| Net loans and leases to total assets | 75.2688% | 1,640 |
| Net loans and leases to deposits | 84.0154% | 2,414 |
| Net loans and leases to core deposits | 89.9062% | 2,508 |
| Total domestic deposits to total assets | 89.5893% | 827 |
| Equity capital to assets | 9.3275% | 4,444 |
| Core capital (leverage) ratio | 7.9153% | 5,657 |
| Tier 1 risk-based capital ratio | 9.4766% | 5,820 |
| Total risk-based capital ratio | 10.7278% | 5,812 |
| Memoranda: | ||
| Average total assets | $143,253,800 | 3,617 |
| Average earning assets | $129,074,600 | 3,666 |
| Average equity | $13,316,600 | 4,053 |
| Average total loans | $107,374,000 | 3,252 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 1,554 |
| Cost of funding earning assets | 0.6057% | 1,281 |
| Net interest margin | 3.8907% | 2,006 |
| Noninterest income to average assets | 0.4085% | 3,858 |
| Noninterest expense to average assets | 2.9142% | 2,599 |
| Loan and lease loss provision to assets | 0.1443% | 1,623 |
| Net operating income to assets | 0.5782% | 4,376 |
| Return on assets (ROA) | 0.5859% | 4,462 |
| Pretax return on assets | 0.8642% | 4,104 |
| Return on Equity (ROE) | 6.3081% | 3,923 |
| Retained earnings to average equity (ytd only) | 5.2517% | 2,667 |
| Net charge-offs to loans | 0.0126% | 3,509 |
| Credit loss provision to net charge-offs | 1,530.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 105.7239% | 632 |
| Efficiency ratio | 74.5055% | 2,193 |
| Assets per employee ($millions) | 4.7081% | 2,736 |
| Cash dividends to net income (ytd only)* | 16.7468% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 2,458 |
| Loan loss allowance to noncurrent loans | 128.1946% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.8311% | 2,465 |
| Noncurrent loans to loans | 1.0498% | 2,141 |
| Net loans and leases to total assets | 78.1017% | 1,177 |
| Net loans and leases to deposits | 88.0477% | 2,012 |
| Net loans and leases to core deposits | 94.9798% | 2,106 |
| Total domestic deposits to total assets | 88.7038% | 1,047 |
| Equity capital to assets | 9.6141% | 4,543 |
| Core capital (leverage) ratio | 7.9654% | 5,703 |
| Tier 1 risk-based capital ratio | 9.2828% | 5,903 |
| Total risk-based capital ratio | 10.5334% | 5,899 |
| Memoranda: | ||
| Average total assets | $141,329,500 | 3,668 |
| Average earning assets | $127,239,250 | 3,714 |
| Average equity | $13,125,750 | 4,105 |
| Average total loans | $105,408,500 | 3,296 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4153% | 1,785 |
| Cost of funding earning assets | 0.5936% | 1,366 |
| Net interest margin | 3.8217% | 2,233 |
| Noninterest income to average assets | 0.4020% | 3,858 |
| Noninterest expense to average assets | 2.9201% | 2,615 |
| Loan and lease loss provision to assets | 0.1545% | 1,481 |
| Net operating income to assets | 0.5451% | 4,502 |
| Return on assets (ROA) | 0.5451% | 4,612 |
| Pretax return on assets | 0.7726% | 4,381 |
| Return on Equity (ROE) | 5.9421% | 4,076 |
| Retained earnings to average equity (ytd only) | 4.8816% | 2,805 |
| Net charge-offs to loans | 0.0157% | 3,205 |
| Credit loss provision to net charge-offs | 1,350.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 696 |
| Efficiency ratio | 75.9018% | 2,095 |
| Assets per employee ($millions) | 4.7370% | 2,650 |
| Cash dividends to net income (ytd only)* | 17.8478% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 2,223 |
| Loan loss allowance to noncurrent loans | 109.4067% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.9725% | 2,200 |
| Noncurrent loans to loans | 1.2938% | 1,745 |
| Net loans and leases to total assets | 74.1005% | 1,820 |
| Net loans and leases to deposits | 82.1098% | 2,703 |
| Net loans and leases to core deposits | 88.5280% | 2,678 |
| Total domestic deposits to total assets | 90.2457% | 400 |
| Equity capital to assets | 9.1794% | 5,089 |
| Core capital (leverage) ratio | 7.4265% | 5,892 |
| Tier 1 risk-based capital ratio | 9.1024% | 5,994 |
| Total risk-based capital ratio | 10.3529% | 5,989 |
| Memoranda: | ||
| Average total assets | $139,788,670 | 3,723 |
| Average earning assets | $126,015,670 | 3,761 |
| Average equity | $12,823,670 | 4,173 |
| Average total loans | $102,029,330 | 3,367 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 2,136 |
| Cost of funding earning assets | 0.5777% | 1,494 |
| Net interest margin | 3.7231% | 2,580 |
| Noninterest income to average assets | 0.3924% | 3,888 |
| Noninterest expense to average assets | 2.9691% | 2,486 |
| Loan and lease loss provision to assets | 0.1818% | 1,109 |
| Net operating income to assets | 0.4299% | 4,903 |
| Return on assets (ROA) | 0.4299% | 4,981 |
| Pretax return on assets | 0.5886% | 4,850 |
| Return on Equity (ROE) | 4.6881% | 4,629 |
| Retained earnings to average equity (ytd only) | 3.6183% | 3,683 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3981% | 1,684 |
| Assets per employee ($millions) | 4.8154% | 2,559 |
| Cash dividends to net income (ytd only)* | 22.8188% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 1,989 |
| Loan loss allowance to noncurrent loans | 127.2649% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8300% | 2,615 |
| Noncurrent loans to loans | 1.1784% | 2,052 |
| Net loans and leases to total assets | 69.3740% | 2,445 |
| Net loans and leases to deposits | 76.8788% | 3,123 |
| Net loans and leases to core deposits | 82.6879% | 3,066 |
| Total domestic deposits to total assets | 90.2382% | 510 |
| Equity capital to assets | 9.1531% | 5,039 |
| Core capital (leverage) ratio | 7.4347% | 5,935 |
| Tier 1 risk-based capital ratio | 9.3659% | 6,022 |
| Total risk-based capital ratio | 10.6171% | 6,014 |
| Memoranda: | ||
| Average total assets | $138,627,500 | 3,771 |
| Average earning assets | $124,626,000 | 3,815 |
| Average equity | $12,713,000 | 4,207 |
| Average total loans | $99,635,500 | 3,429 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6127% | 1,304 |
| Cost of funding earning assets | 0.5620% | 1,660 |
| Net interest margin | 4.0507% | 1,556 |
| Noninterest income to average assets | 0.4267% | 3,840 |
| Noninterest expense to average assets | 3.1369% | 2,126 |
| Loan and lease loss provision to assets | 0.1226% | 1,954 |
| Net operating income to assets | 0.5333% | 4,571 |
| Return on assets (ROA) | 0.5333% | 4,652 |
| Pretax return on assets | 0.7626% | 4,328 |
| Return on Equity (ROE) | 5.2978% | 4,376 |
| Retained earnings to average equity (ytd only) | 4.1632% | 3,030 |
| Net charge-offs to loans | 0.0632% | 2,960 |
| Credit loss provision to net charge-offs | 256.1404% | 1,122 |
| Earnings coverage of net charge-offs (x) | 18.4912% | 2,007 |
| Efficiency ratio | 77.9912% | 1,969 |
| Assets per employee ($millions) | 4.7451% | 2,672 |
| Cash dividends to net income (ytd only)* | 21.4173% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 2,422 |
| Loan loss allowance to noncurrent loans | 102.5418% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.0007% | 2,195 |
| Noncurrent loans to loans | 1.3645% | 1,717 |
| Net loans and leases to total assets | 72.3107% | 1,995 |
| Net loans and leases to deposits | 80.1059% | 2,809 |
| Net loans and leases to core deposits | 86.5631% | 2,749 |
| Total domestic deposits to total assets | 90.2688% | 516 |
| Equity capital to assets | 9.1884% | 4,926 |
| Core capital (leverage) ratio | 7.7002% | 5,939 |
| Tier 1 risk-based capital ratio | 9.1425% | 6,094 |
| Total risk-based capital ratio | 10.3929% | 6,086 |
| Memoranda: | ||
| Average total assets | $119,066,800 | 4,082 |
| Average earning assets | $105,685,400 | 4,151 |
| Average equity | $11,986,000 | 4,309 |
| Average total loans | $90,187,000 | 3,588 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6786% | 1,137 |
| Cost of funding earning assets | 0.5561% | 1,752 |
| Net interest margin | 4.1225% | 1,343 |
| Noninterest income to average assets | 0.4253% | 3,899 |
| Noninterest expense to average assets | 3.3661% | 1,543 |
| Loan and lease loss provision to assets | 0.0932% | 2,301 |
| Net operating income to assets | 0.4463% | 4,989 |
| Return on assets (ROA) | 0.4463% | 5,079 |
| Pretax return on assets | 0.6199% | 4,923 |
| Return on Equity (ROE) | 4.3197% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.1693% | 4,206 |
| Net charge-offs to loans | 0.0777% | 2,443 |
| Credit loss provision to net charge-offs | 156.8627% | 1,620 |
| Earnings coverage of net charge-offs (x) | 11.9997% | 2,443 |
| Efficiency ratio | 82.5193% | 1,328 |
| Assets per employee ($millions) | 4.2408% | 3,442 |
| Cash dividends to net income (ytd only)* | 26.6327% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 2,493 |
| Loan loss allowance to noncurrent loans | 97.1264% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 2,105 |
| Noncurrent loans to loans | 1.4644% | 1,708 |
| Net loans and leases to total assets | 76.1908% | 1,361 |
| Net loans and leases to deposits | 88.2706% | 1,864 |
| Net loans and leases to core deposits | 96.0189% | 1,876 |
| Total domestic deposits to total assets | 86.3151% | 2,375 |
| Equity capital to assets | 10.0917% | 4,059 |
| Core capital (leverage) ratio | 8.3145% | 5,706 |
| Tier 1 risk-based capital ratio | 9.4704% | 6,149 |
| Total risk-based capital ratio | 10.7211% | 6,125 |
| Memoranda: | ||
| Average total assets | $114,431,250 | 4,206 |
| Average earning assets | $101,423,500 | 4,295 |
| Average equity | $11,821,500 | 4,387 |
| Average total loans | $87,504,250 | 3,682 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 1,184 |
| Cost of funding earning assets | 0.5276% | 2,008 |
| Net interest margin | 4.1133% | 1,320 |
| Noninterest income to average assets | 0.4158% | 3,962 |
| Noninterest expense to average assets | 3.4181% | 1,445 |
| Loan and lease loss provision to assets | 0.0717% | 2,677 |
| Net operating income to assets | 0.4212% | 5,078 |
| Return on assets (ROA) | 0.4212% | 5,178 |
| Pretax return on assets | 0.5736% | 5,037 |
| Return on Equity (ROE) | 4.0430% | 5,003 |
| Retained earnings to average equity (ytd only) | 2.8731% | 4,208 |
| Net charge-offs to loans | 0.1224% | 1,788 |
| Credit loss provision to net charge-offs | 76.9231% | 2,367 |
| Earnings coverage of net charge-offs (x) | 6.9231% | 2,723 |
| Efficiency ratio | 84.1200% | 1,252 |
| Assets per employee ($millions) | 4.1321% | 3,610 |
| Cash dividends to net income (ytd only)* | 28.9362% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 2,489 |
| Loan loss allowance to noncurrent loans | 93.1108% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.2170% | 2,081 |
| Noncurrent loans to loans | 1.5617% | 1,690 |
| Net loans and leases to total assets | 76.7904% | 1,257 |
| Net loans and leases to deposits | 89.1776% | 1,695 |
| Net loans and leases to core deposits | 96.3946% | 1,764 |
| Total domestic deposits to total assets | 86.1095% | 2,636 |
| Equity capital to assets | 10.1981% | 3,808 |
| Core capital (leverage) ratio | 8.2373% | 5,758 |
| Tier 1 risk-based capital ratio | 9.4001% | 6,211 |
| Total risk-based capital ratio | 10.6518% | 6,196 |
| Memoranda: | ||
| Average total assets | $111,581,000 | 4,308 |
| Average earning assets | $98,946,330 | 4,401 |
| Average equity | $11,625,000 | 4,449 |
| Average total loans | $84,988,000 | 3,749 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5686% | 1,293 |
| Cost of funding earning assets | 0.5104% | 2,197 |
| Net interest margin | 4.0582% | 1,391 |
| Noninterest income to average assets | 0.4237% | 3,819 |
| Noninterest expense to average assets | 3.5463% | 1,219 |
| Loan and lease loss provision to assets | 0.0730% | 2,479 |
| Net operating income to assets | 0.2849% | 5,463 |
| Return on assets (ROA) | 0.2849% | 5,557 |
| Pretax return on assets | 0.3762% | 5,476 |
| Return on Equity (ROE) | 2.7041% | 5,473 |
| Retained earnings to average equity (ytd only) | 1.5254% | 4,870 |
| Net charge-offs to loans | 0.1990% | 1,139 |
| Credit loss provision to net charge-offs | 48.7805% | 2,115 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,667 |
| Efficiency ratio | 88.7569% | 959 |
| Assets per employee ($millions) | 3.7835% | 4,370 |
| Cash dividends to net income (ytd only)* | 43.5897% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 2,115 |
| Loan loss allowance to noncurrent loans | 114.1104% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 2,383 |
| Noncurrent loans to loans | 1.3865% | 2,069 |
| Net loans and leases to total assets | 73.8181% | 1,532 |
| Net loans and leases to deposits | 83.2698% | 2,169 |
| Net loans and leases to core deposits | 89.7401% | 2,154 |
| Total domestic deposits to total assets | 88.6494% | 1,473 |
| Equity capital to assets | 10.6743% | 3,341 |
| Core capital (leverage) ratio | 8.3359% | 5,688 |
| Tier 1 risk-based capital ratio | 9.8730% | 6,199 |
| Total risk-based capital ratio | 11.0485% | 6,178 |
| Memoranda: | ||
| Average total assets | $109,522,500 | 4,379 |
| Average earning assets | $96,398,000 | 4,494 |
| Average equity | $11,538,000 | 4,501 |
| Average total loans | $82,404,000 | 3,826 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 2,520 |
| Cost of funding earning assets | 0.5247% | 2,440 |
| Net interest margin | 3.7972% | 2,630 |
| Noninterest income to average assets | 0.4007% | 4,174 |
| Noninterest expense to average assets | 2.8394% | 3,342 |
| Loan and lease loss provision to assets | 0.2184% | 1,128 |
| Net operating income to assets | 0.4875% | 4,859 |
| Return on assets (ROA) | 0.5155% | 4,833 |
| Pretax return on assets | 0.7173% | 4,564 |
| Return on Equity (ROE) | 5.0000% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.0844% | 3,300 |
| Net charge-offs to loans | 0.3680% | 1,182 |
| Credit loss provision to net charge-offs | 88.7218% | 2,670 |
| Earnings coverage of net charge-offs (x) | 3.6429% | 3,839 |
| Efficiency ratio | 75.9970% | 2,511 |
| Assets per employee ($millions) | 4.0490% | 3,836 |
| Cash dividends to net income (ytd only)* | 18.3124% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 2,077 |
| Loan loss allowance to noncurrent loans | 126.3610% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0437% | 2,655 |
| Noncurrent loans to loans | 1.2689% | 2,331 |
| Net loans and leases to total assets | 74.2646% | 1,544 |
| Net loans and leases to deposits | 83.7769% | 2,240 |
| Net loans and leases to core deposits | 89.9900% | 2,288 |
| Total domestic deposits to total assets | 88.6457% | 1,446 |
| Equity capital to assets | 10.3948% | 3,616 |
| Core capital (leverage) ratio | 8.3282% | 5,751 |
| Tier 1 risk-based capital ratio | 9.7310% | 6,316 |
| Total risk-based capital ratio | 10.9833% | 6,281 |
| Memoranda: | ||
| Average total assets | $108,050,400 | 4,413 |
| Average earning assets | $94,912,000 | 4,535 |
| Average equity | $11,140,000 | 4,534 |
| Average total loans | $72,276,000 | 4,115 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 2,639 |
| Cost of funding earning assets | 0.5333% | 2,434 |
| Net interest margin | 3.7652% | 2,759 |
| Noninterest income to average assets | 0.3973% | 4,261 |
| Noninterest expense to average assets | 2.8391% | 3,319 |
| Loan and lease loss provision to assets | 0.1931% | 1,248 |
| Net operating income to assets | 0.4905% | 4,907 |
| Return on assets (ROA) | 0.5285% | 4,836 |
| Pretax return on assets | 0.7203% | 4,633 |
| Return on Equity (ROE) | 5.1364% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.3184% | 3,579 |
| Net charge-offs to loans | 0.2065% | 1,815 |
| Credit loss provision to net charge-offs | 144.4444% | 1,632 |
| Earnings coverage of net charge-offs (x) | 6.4443% | 3,084 |
| Efficiency ratio | 76.7224% | 2,383 |
| Assets per employee ($millions) | 4.5817% | 2,838 |
| Cash dividends to net income (ytd only)* | 15.9243% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8425% | 1,592 |
| Loan loss allowance to noncurrent loans | 169.6126% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.8730% | 3,247 |
| Noncurrent loans to loans | 1.0863% | 2,900 |
| Net loans and leases to total assets | 70.8288% | 2,050 |
| Net loans and leases to deposits | 80.2792% | 2,651 |
| Net loans and leases to core deposits | 86.3806% | 2,627 |
| Total domestic deposits to total assets | 88.2281% | 1,642 |
| Equity capital to assets | 10.7091% | 3,284 |
| Core capital (leverage) ratio | 8.4157% | 5,741 |
| Tier 1 risk-based capital ratio | 10.4281% | 6,228 |
| Total risk-based capital ratio | 11.6825% | 6,181 |
| Memoranda: | ||
| Average total assets | $107,732,000 | 4,464 |
| Average earning assets | $94,511,500 | 4,585 |
| Average equity | $11,084,000 | 4,579 |
| Average total loans | $69,717,000 | 4,231 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1537% | 3,135 |
| Cost of funding earning assets | 0.5367% | 2,472 |
| Net interest margin | 3.6170% | 3,292 |
| Noninterest income to average assets | 0.3889% | 4,326 |
| Noninterest expense to average assets | 2.7793% | 3,578 |
| Loan and lease loss provision to assets | 0.1769% | 1,384 |
| Net operating income to assets | 0.4534% | 4,998 |
| Return on assets (ROA) | 0.4534% | 5,078 |
| Pretax return on assets | 0.6248% | 4,875 |
| Return on Equity (ROE) | 4.4658% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.2314% | 4,148 |
| Net charge-offs to loans | 0.3224% | 1,260 |
| Credit loss provision to net charge-offs | 88.0734% | 2,217 |
| Earnings coverage of net charge-offs (x) | 3.9908% | 3,192 |
| Efficiency ratio | 77.6119% | 2,353 |
| Assets per employee ($millions) | 4.8352% | 2,423 |
| Cash dividends to net income (ytd only)* | 27.6423% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8705% | 1,651 |
| Loan loss allowance to noncurrent loans | 92.7978% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 2,515 |
| Noncurrent loans to loans | 2.0156% | 1,679 |
| Net loans and leases to total assets | 63.2137% | 3,204 |
| Net loans and leases to deposits | 77.7810% | 2,828 |
| Net loans and leases to core deposits | 84.2875% | 2,709 |
| Total domestic deposits to total assets | 81.2715% | 4,888 |
| Equity capital to assets | 10.0378% | 4,052 |
| Core capital (leverage) ratio | 7.9395% | 6,137 |
| Tier 1 risk-based capital ratio | 10.6812% | 6,187 |
| Total risk-based capital ratio | 11.9359% | 6,128 |
| Memoranda: | ||
| Average total assets | $108,516,670 | 4,480 |
| Average earning assets | $95,770,670 | 4,586 |
| Average equity | $11,017,000 | 4,605 |
| Average total loans | $67,609,670 | 4,309 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 3,319 |
| Cost of funding earning assets | 0.5582% | 2,362 |
| Net interest margin | 3.5321% | 3,557 |
| Noninterest income to average assets | 0.3770% | 4,375 |
| Noninterest expense to average assets | 2.8441% | 3,401 |
| Loan and lease loss provision to assets | 0.1792% | 1,343 |
| Net operating income to assets | 0.3732% | 5,214 |
| Return on assets (ROA) | 0.3732% | 5,283 |
| Pretax return on assets | 0.4479% | 5,314 |
| Return on Equity (ROE) | 3.6550% | 5,197 |
| Retained earnings to average equity (ytd only) | 2.4123% | 4,625 |
| Net charge-offs to loans | 0.1098% | 2,082 |
| Credit loss provision to net charge-offs | 266.6667% | 859 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,941 |
| Efficiency ratio | 81.9355% | 1,933 |
| Assets per employee ($millions) | 4.8606% | 2,432 |
| Cash dividends to net income (ytd only)* | 34.0000% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1105% | 1,303 |
| Loan loss allowance to noncurrent loans | 145.1207% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.8912% | 3,508 |
| Noncurrent loans to loans | 1.4543% | 2,608 |
| Net loans and leases to total assets | 59.9884% | 3,563 |
| Net loans and leases to deposits | 67.6503% | 3,894 |
| Net loans and leases to core deposits | 72.8921% | 3,774 |
| Total domestic deposits to total assets | 88.6743% | 1,852 |
| Equity capital to assets | 10.2643% | 3,523 |
| Core capital (leverage) ratio | 7.9890% | 6,128 |
| Tier 1 risk-based capital ratio | 11.4642% | 5,935 |
| Total risk-based capital ratio | 12.7218% | 5,880 |
| Memoranda: | ||
| Average total assets | $107,170,000 | 4,552 |
| Average earning assets | $93,881,500 | 4,691 |
| Average equity | $10,944,000 | 4,632 |
| Average total loans | $65,594,500 | 4,406 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 3,531 |
| Cost of funding earning assets | 0.6606% | 2,118 |
| Net interest margin | 3.4920% | 3,938 |
| Noninterest income to average assets | 0.3892% | 4,522 |
| Noninterest expense to average assets | 2.6302% | 4,355 |
| Loan and lease loss provision to assets | 0.1393% | 2,564 |
| Net operating income to assets | 0.4741% | 4,847 |
| Return on assets (ROA) | 0.4741% | 4,990 |
| Pretax return on assets | 0.6306% | 4,770 |
| Return on Equity (ROE) | 4.6130% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.1118% | 3,250 |
| Net charge-offs to loans | 0.0954% | 3,889 |
| Credit loss provision to net charge-offs | 251.7241% | 900 |
| Earnings coverage of net charge-offs (x) | 13.9138% | 1,979 |
| Efficiency ratio | 76.3749% | 2,721 |
| Assets per employee ($millions) | 4.8821% | 2,330 |
| Cash dividends to net income (ytd only)* | 10.8652% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0607% | 1,418 |
| Loan loss allowance to noncurrent loans | 259.6929% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 4,782 |
| Noncurrent loans to loans | 0.7935% | 3,996 |
| Net loans and leases to total assets | 59.8710% | 3,744 |
| Net loans and leases to deposits | 70.8564% | 3,672 |
| Net loans and leases to core deposits | 77.3780% | 3,438 |
| Total domestic deposits to total assets | 84.4962% | 3,964 |
| Equity capital to assets | 10.1596% | 3,559 |
| Core capital (leverage) ratio | 7.9736% | 6,152 |
| Tier 1 risk-based capital ratio | 11.4255% | 5,946 |
| Total risk-based capital ratio | 12.6824% | 5,885 |
| Memoranda: | ||
| Average total assets | $104,819,200 | 4,624 |
| Average earning assets | $90,376,800 | 4,765 |
| Average equity | $10,774,000 | 4,687 |
| Average total loans | $60,778,200 | 4,589 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 3,569 |
| Cost of funding earning assets | 0.6811% | 2,090 |
| Net interest margin | 3.4681% | 4,022 |
| Noninterest income to average assets | 0.3724% | 4,730 |
| Noninterest expense to average assets | 2.6801% | 4,095 |
| Loan and lease loss provision to assets | 0.1459% | 2,455 |
| Net operating income to assets | 0.4160% | 5,180 |
| Return on assets (ROA) | 0.4160% | 5,322 |
| Pretax return on assets | 0.5248% | 5,287 |
| Return on Equity (ROE) | 4.0348% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.7866% | 3,988 |
| Net charge-offs to loans | 0.1321% | 3,217 |
| Credit loss provision to net charge-offs | 193.2203% | 1,247 |
| Earnings coverage of net charge-offs (x) | 8.8819% | 2,562 |
| Efficiency ratio | 78.6478% | 2,316 |
| Assets per employee ($millions) | 4.8223% | 2,408 |
| Cash dividends to net income (ytd only)* | 6.1548% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0795% | 1,548 |
| Loan loss allowance to noncurrent loans | 241.7582% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 4,902 |
| Noncurrent loans to loans | 0.8602% | 4,100 |
| Net loans and leases to total assets | 58.5884% | 3,909 |
| Net loans and leases to deposits | 71.2499% | 3,604 |
| Net loans and leases to core deposits | 77.6303% | 3,404 |
| Total domestic deposits to total assets | 82.2294% | 4,853 |
| Equity capital to assets | 10.1224% | 3,740 |
| Core capital (leverage) ratio | 7.9097% | 6,270 |
| Tier 1 risk-based capital ratio | 11.5363% | 6,043 |
| Total risk-based capital ratio | 12.7933% | 6,006 |
| Memoranda: | ||
| Average total assets | $104,172,500 | 4,688 |
| Average earning assets | $89,461,000 | 4,832 |
| Average equity | $10,739,500 | 4,749 |
| Average total loans | $59,558,250 | 4,663 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 3,751 |
| Cost of funding earning assets | 0.7107% | 1,996 |
| Net interest margin | 3.3853% | 4,244 |
| Noninterest income to average assets | 0.3921% | 4,581 |
| Noninterest expense to average assets | 2.6716% | 4,137 |
| Loan and lease loss provision to assets | 0.1410% | 2,569 |
| Net operating income to assets | 0.3825% | 5,280 |
| Return on assets (ROA) | 0.3825% | 5,450 |
| Pretax return on assets | 0.4598% | 5,497 |
| Return on Equity (ROE) | 3.6873% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.3148% | 4,205 |
| Net charge-offs to loans | 0.1854% | 2,642 |
| Credit loss provision to net charge-offs | 135.1852% | 1,673 |
| Earnings coverage of net charge-offs (x) | 5.7593% | 2,835 |
| Efficiency ratio | 80.2834% | 2,115 |
| Assets per employee ($millions) | 4.7276% | 2,480 |
| Cash dividends to net income (ytd only)* | 10.1010% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1002% | 1,637 |
| Loan loss allowance to noncurrent loans | 192.2156% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 4,542 |
| Noncurrent loans to loans | 1.0926% | 3,745 |
| Net loans and leases to total assets | 57.5456% | 4,057 |
| Net loans and leases to deposits | 67.7373% | 4,051 |
| Net loans and leases to core deposits | 73.9105% | 3,823 |
| Total domestic deposits to total assets | 84.9540% | 3,909 |
| Equity capital to assets | 10.1281% | 3,753 |
| Core capital (leverage) ratio | 7.9708% | 6,208 |
| Tier 1 risk-based capital ratio | 11.8015% | 5,910 |
| Total risk-based capital ratio | 13.0580% | 5,859 |
| Memoranda: | ||
| Average total assets | $103,533,000 | 4,734 |
| Average earning assets | $88,087,670 | 4,897 |
| Average equity | $10,739,670 | 4,786 |
| Average total loans | $58,252,000 | 4,735 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 4,019 |
| Cost of funding earning assets | 0.7528% | 1,830 |
| Net interest margin | 3.2713% | 4,625 |
| Noninterest income to average assets | 0.3834% | 4,594 |
| Noninterest expense to average assets | 2.7959% | 3,716 |
| Loan and lease loss provision to assets | 0.1200% | 2,720 |
| Net operating income to assets | 0.1549% | 6,024 |
| Return on assets (ROA) | 0.1549% | 6,120 |
| Pretax return on assets | 0.1936% | 6,093 |
| Return on Equity (ROE) | 1.4757% | 6,097 |
| Retained earnings to average equity (ytd only) | 1.1068% | 5,412 |
| Net charge-offs to loans | 0.4506% | 1,327 |
| Credit loss provision to net charge-offs | 48.4375% | 2,621 |
| Earnings coverage of net charge-offs (x) | 1.2656% | 3,404 |
| Efficiency ratio | 88.4184% | 1,284 |
| Assets per employee ($millions) | 4.6620% | 2,716 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1810% | 1,625 |
| Loan loss allowance to noncurrent loans | 216.3158% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 5,001 |
| Noncurrent loans to loans | 1.0082% | 4,115 |
| Net loans and leases to total assets | 53.9180% | 4,432 |
| Net loans and leases to deposits | 62.1464% | 4,523 |
| Net loans and leases to core deposits | 67.5160% | 4,358 |
| Total domestic deposits to total assets | 86.7596% | 3,099 |
| Equity capital to assets | 10.5592% | 3,480 |
| Core capital (leverage) ratio | 8.0272% | 6,118 |
| Tier 1 risk-based capital ratio | 12.1660% | 5,813 |
| Total risk-based capital ratio | 13.4232% | 5,764 |
| Memoranda: | ||
| Average total assets | $103,295,500 | 4,784 |
| Average earning assets | $86,083,000 | 4,981 |
| Average equity | $10,842,500 | 4,799 |
| Average total loans | $56,810,000 | 4,825 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 3,697 |
| Cost of funding earning assets | 0.9130% | 1,861 |
| Net interest margin | 3.5186% | 4,426 |
| Noninterest income to average assets | 0.4248% | 4,415 |
| Noninterest expense to average assets | 2.7873% | 4,072 |
| Loan and lease loss provision to assets | 0.1605% | 3,612 |
| Net operating income to assets | 0.3816% | 5,175 |
| Return on assets (ROA) | 0.3816% | 5,403 |
| Pretax return on assets | 0.4382% | 5,460 |
| Return on Equity (ROE) | 3.5000% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.5000% | 3,754 |
| Net charge-offs to loans | 0.0867% | 4,811 |
| Credit loss provision to net charge-offs | 331.9149% | 735 |
| Earnings coverage of net charge-offs (x) | 12.3830% | 1,931 |
| Efficiency ratio | 80.9235% | 2,019 |
| Assets per employee ($millions) | 4.9536% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2160% | 1,535 |
| Loan loss allowance to noncurrent loans | 197.9656% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 4,934 |
| Noncurrent loans to loans | 1.1194% | 3,971 |
| Net loans and leases to total assets | 53.6606% | 4,665 |
| Net loans and leases to deposits | 61.8029% | 4,805 |
| Net loans and leases to core deposits | 66.4734% | 4,690 |
| Total domestic deposits to total assets | 86.8254% | 2,924 |
| Equity capital to assets | 10.4349% | 3,611 |
| Core capital (leverage) ratio | 8.2518% | 5,941 |
| Tier 1 risk-based capital ratio | 12.2271% | 5,640 |
| Total risk-based capital ratio | 13.4850% | 5,594 |
| Memoranda: | ||
| Average total assets | $97,226,000 | 4,905 |
| Average earning assets | $81,822,000 | 5,078 |
| Average equity | $10,600,000 | 4,845 |
| Average total loans | $54,224,400 | 4,928 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 3,467 |
| Cost of funding earning assets | 0.9501% | 1,850 |
| Net interest margin | 3.5897% | 4,277 |
| Noninterest income to average assets | 0.4508% | 4,287 |
| Noninterest expense to average assets | 2.8362% | 3,855 |
| Loan and lease loss provision to assets | 0.2010% | 3,072 |
| Net operating income to assets | 0.3922% | 5,278 |
| Return on assets (ROA) | 0.3922% | 5,491 |
| Pretax return on assets | 0.4564% | 5,579 |
| Return on Equity (ROE) | 3.5559% | 5,474 |
| Retained earnings to average equity (ytd only) | 3.5559% | 4,375 |
| Net charge-offs to loans | 0.0772% | 4,633 |
| Credit loss provision to net charge-offs | 464.5161% | 577 |
| Earnings coverage of net charge-offs (x) | 15.1943% | 1,782 |
| Efficiency ratio | 79.7843% | 2,124 |
| Assets per employee ($millions) | 4.4650% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2355% | 1,641 |
| Loan loss allowance to noncurrent loans | 253.2922% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 5,440 |
| Noncurrent loans to loans | 0.8826% | 4,663 |
| Net loans and leases to total assets | 54.8061% | 4,620 |
| Net loans and leases to deposits | 63.8064% | 4,738 |
| Net loans and leases to core deposits | 70.1894% | 4,484 |
| Total domestic deposits to total assets | 85.8943% | 3,309 |
| Equity capital to assets | 11.0170% | 3,254 |
| Core capital (leverage) ratio | 8.3212% | 5,976 |
| Tier 1 risk-based capital ratio | 12.7025% | 5,476 |
| Total risk-based capital ratio | 13.9622% | 5,434 |
| Memoranda: | ||
| Average total assets | $95,526,000 | 4,999 |
| Average earning assets | $80,970,750 | 5,145 |
| Average equity | $10,536,250 | 4,905 |
| Average total loans | $53,509,000 | 5,012 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 3,934 |
| Cost of funding earning assets | 0.9754% | 1,904 |
| Net interest margin | 3.4867% | 4,732 |
| Noninterest income to average assets | 0.4396% | 4,367 |
| Noninterest expense to average assets | 2.7879% | 4,057 |
| Loan and lease loss provision to assets | 0.2600% | 2,498 |
| Net operating income to assets | 0.3213% | 5,538 |
| Return on assets (ROA) | 0.3213% | 5,742 |
| Pretax return on assets | 0.3762% | 5,760 |
| Return on Equity (ROE) | 2.9116% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.9116% | 4,694 |
| Net charge-offs to loans | 0.1208% | 3,964 |
| Credit loss provision to net charge-offs | 384.3750% | 774 |
| Earnings coverage of net charge-offs (x) | 9.4063% | 2,172 |
| Efficiency ratio | 80.0000% | 2,175 |
| Assets per employee ($millions) | 4.5434% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2124% | 1,740 |
| Loan loss allowance to noncurrent loans | 111.2029% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.1414% | 4,110 |
| Noncurrent loans to loans | 1.9895% | 2,960 |
| Net loans and leases to total assets | 56.1015% | 4,452 |
| Net loans and leases to deposits | 65.4060% | 4,586 |
| Net loans and leases to core deposits | 72.6272% | 4,222 |
| Total domestic deposits to total assets | 85.7742% | 3,475 |
| Equity capital to assets | 11.0815% | 3,035 |
| Core capital (leverage) ratio | 8.3107% | 5,894 |
| Tier 1 risk-based capital ratio | 12.4659% | 5,590 |
| Total risk-based capital ratio | 13.7251% | 5,569 |
| Memoranda: | ||
| Average total assets | $94,624,670 | 5,049 |
| Average earning assets | $80,992,670 | 5,179 |
| Average equity | $10,441,000 | 4,927 |
| Average total loans | $52,989,670 | 5,063 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 4,355 |
| Cost of funding earning assets | 1.0166% | 1,883 |
| Net interest margin | 3.3774% | 5,210 |
| Noninterest income to average assets | 0.4372% | 4,401 |
| Noninterest expense to average assets | 2.8950% | 3,643 |
| Loan and lease loss provision to assets | 0.2632% | 2,355 |
| Net operating income to assets | 0.1443% | 6,133 |
| Return on assets (ROA) | 0.1443% | 6,260 |
| Pretax return on assets | 0.2122% | 6,174 |
| Return on Equity (ROE) | 1.3108% | 6,284 |
| Retained earnings to average equity (ytd only) | 1.3108% | 5,573 |
| Net charge-offs to loans | 0.3377% | 2,305 |
| Credit loss provision to net charge-offs | 140.9091% | 1,748 |
| Earnings coverage of net charge-offs (x) | 2.5455% | 3,152 |
| Efficiency ratio | 84.3829% | 1,648 |
| Assets per employee ($millions) | 4.2903% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2963% | 1,683 |
| Loan loss allowance to noncurrent loans | 243.8669% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 5,586 |
| Noncurrent loans to loans | 0.9416% | 4,792 |
| Net loans and leases to total assets | 52.8775% | 4,898 |
| Net loans and leases to deposits | 61.5545% | 4,978 |
| Net loans and leases to core deposits | 68.6733% | 4,603 |
| Total domestic deposits to total assets | 85.9036% | 3,586 |
| Equity capital to assets | 10.9953% | 2,915 |
| Core capital (leverage) ratio | 8.1320% | 6,117 |
| Tier 1 risk-based capital ratio | 12.5934% | 5,526 |
| Total risk-based capital ratio | 13.8522% | 5,486 |
| Memoranda: | ||
| Average total assets | $94,231,500 | 5,096 |
| Average earning assets | $81,838,000 | 5,196 |
| Average equity | $10,375,000 | 4,952 |
| Average total loans | $52,115,500 | 5,142 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 2,726 |
| Cost of funding earning assets | 1.2285% | 1,846 |
| Net interest margin | 3.8086% | 3,775 |
| Noninterest income to average assets | 0.5214% | 3,714 |
| Noninterest expense to average assets | 2.7548% | 4,536 |
| Loan and lease loss provision to assets | 0.4283% | 2,454 |
| Net operating income to assets | 0.5178% | 4,351 |
| Return on assets (ROA) | 0.5178% | 4,559 |
| Pretax return on assets | 0.6562% | 4,493 |
| Return on Equity (ROE) | 4.6096% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.6096% | 2,898 |
| Net charge-offs to loans | 0.5717% | 2,740 |
| Credit loss provision to net charge-offs | 121.2838% | 2,612 |
| Earnings coverage of net charge-offs (x) | 3.0709% | 3,670 |
| Efficiency ratio | 70.3232% | 3,884 |
| Assets per employee ($millions) | 4.2762% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1731% | 1,853 |
| Loan loss allowance to noncurrent loans | 449.4163% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 6,277 |
| Noncurrent loans to loans | 0.4835% | 5,744 |
| Net loans and leases to total assets | 55.2675% | 4,842 |
| Net loans and leases to deposits | 64.5167% | 4,937 |
| Net loans and leases to core deposits | 71.5747% | 4,581 |
| Total domestic deposits to total assets | 85.6639% | 3,503 |
| Equity capital to assets | 11.0250% | 2,956 |
| Core capital (leverage) ratio | 8.3400% | 5,792 |
| Tier 1 risk-based capital ratio | 12.1522% | 5,724 |
| Total risk-based capital ratio | 13.4088% | 5,697 |
| Memoranda: | ||
| Average total assets | $83,818,800 | 5,346 |
| Average earning assets | $73,018,800 | 5,442 |
| Average equity | $9,415,200 | 5,174 |
| Average total loans | $51,772,000 | 5,201 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1382% | 2,434 |
| Cost of funding earning assets | 1.2742% | 1,845 |
| Net interest margin | 3.8640% | 3,552 |
| Noninterest income to average assets | 0.5628% | 3,429 |
| Noninterest expense to average assets | 2.7206% | 4,653 |
| Loan and lease loss provision to assets | 0.4906% | 2,027 |
| Net operating income to assets | 0.5399% | 4,366 |
| Return on assets (ROA) | 0.5399% | 4,553 |
| Pretax return on assets | 0.7351% | 4,363 |
| Return on Equity (ROE) | 4.7805% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.7805% | 3,323 |
| Net charge-offs to loans | 0.7441% | 2,076 |
| Credit loss provision to net charge-offs | 104.1812% | 3,198 |
| Earnings coverage of net charge-offs (x) | 2.6028% | 3,815 |
| Efficiency ratio | 67.4844% | 4,421 |
| Assets per employee ($millions) | 3.9913% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0745% | 2,129 |
| Loan loss allowance to noncurrent loans | 270.1711% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 5,920 |
| Noncurrent loans to loans | 0.7679% | 5,335 |
| Net loans and leases to total assets | 59.4017% | 4,255 |
| Net loans and leases to deposits | 69.5541% | 4,372 |
| Net loans and leases to core deposits | 76.5472% | 4,124 |
| Total domestic deposits to total assets | 85.4035% | 3,553 |
| Equity capital to assets | 10.9135% | 3,226 |
| Core capital (leverage) ratio | 8.0782% | 6,311 |
| Tier 1 risk-based capital ratio | 10.9265% | 6,587 |
| Total risk-based capital ratio | 12.1832% | 6,559 |
| Memoranda: | ||
| Average total assets | $81,254,250 | 5,466 |
| Average earning assets | $71,151,250 | 5,542 |
| Average equity | $9,176,000 | 5,264 |
| Average total loans | $51,427,750 | 5,257 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0848% | 2,755 |
| Cost of funding earning assets | 1.3079% | 1,891 |
| Net interest margin | 3.7769% | 3,901 |
| Noninterest income to average assets | 0.5818% | 3,249 |
| Noninterest expense to average assets | 2.4687% | 5,648 |
| Loan and lease loss provision to assets | 0.5034% | 1,943 |
| Net operating income to assets | 0.6880% | 3,608 |
| Return on assets (ROA) | 0.6880% | 3,727 |
| Pretax return on assets | 0.9258% | 3,528 |
| Return on Equity (ROE) | 6.0175% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.0175% | 2,418 |
| Net charge-offs to loans | 0.3385% | 3,216 |
| Credit loss provision to net charge-offs | 231.3953% | 1,299 |
| Earnings coverage of net charge-offs (x) | 6.5698% | 2,372 |
| Efficiency ratio | 61.8430% | 5,606 |
| Assets per employee ($millions) | 5.0796% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3178% | 1,714 |
| Loan loss allowance to noncurrent loans | 103.9655% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 1.4273% | 4,074 |
| Noncurrent loans to loans | 2.2294% | 3,188 |
| Net loans and leases to total assets | 62.5354% | 3,781 |
| Net loans and leases to deposits | 73.9854% | 3,810 |
| Net loans and leases to core deposits | 82.3864% | 3,451 |
| Total domestic deposits to total assets | 84.5240% | 4,107 |
| Equity capital to assets | 11.4268% | 2,574 |
| Core capital (leverage) ratio | 8.1074% | 6,156 |
| Tier 1 risk-based capital ratio | 11.1049% | 6,445 |
| Total risk-based capital ratio | 12.3731% | 6,427 |
| Memoranda: | ||
| Average total assets | $79,069,330 | 5,575 |
| Average earning assets | $69,422,000 | 5,646 |
| Average equity | $9,040,330 | 5,313 |
| Average total loans | $50,815,330 | 5,321 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0223% | 2,998 |
| Cost of funding earning assets | 1.3405% | 1,947 |
| Net interest margin | 3.6819% | 4,194 |
| Noninterest income to average assets | 0.5336% | 3,622 |
| Noninterest expense to average assets | 2.6729% | 4,950 |
| Loan and lease loss provision to assets | 0.3078% | 2,704 |
| Net operating income to assets | 0.5233% | 4,389 |
| Return on assets (ROA) | 0.5233% | 4,474 |
| Pretax return on assets | 0.7798% | 3,971 |
| Return on Equity (ROE) | 4.5755% | 4,611 |
| Retained earnings to average equity (ytd only) | 4.5755% | 3,435 |
| Net charge-offs to loans | 0.3904% | 2,517 |
| Credit loss provision to net charge-offs | 122.4490% | 2,238 |
| Earnings coverage of net charge-offs (x) | 4.3265% | 2,511 |
| Efficiency ratio | 69.4407% | 4,391 |
| Assets per employee ($millions) | 5.2323% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2289% | 1,898 |
| Loan loss allowance to noncurrent loans | 123.0769% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3391% | 4,292 |
| Noncurrent loans to loans | 1.8110% | 3,813 |
| Net loans and leases to total assets | 61.7043% | 3,921 |
| Net loans and leases to deposits | 73.1055% | 3,902 |
| Net loans and leases to core deposits | 80.1165% | 3,740 |
| Total domestic deposits to total assets | 84.4045% | 4,323 |
| Equity capital to assets | 11.4010% | 2,346 |
| Core capital (leverage) ratio | 8.0313% | 6,215 |
| Tier 1 risk-based capital ratio | 11.0733% | 6,457 |
| Total risk-based capital ratio | 12.3313% | 6,428 |
| Memoranda: | ||
| Average total assets | $77,967,000 | 5,646 |
| Average earning assets | $68,335,000 | 5,723 |
| Average equity | $8,917,000 | 5,356 |
| Average total loans | $50,207,500 | 5,384 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4485% | 2,482 |
| Cost of funding earning assets | 1.5756% | 2,211 |
| Net interest margin | 3.8729% | 3,624 |
| Noninterest income to average assets | 0.5945% | 3,511 |
| Noninterest expense to average assets | 2.8515% | 4,399 |
| Loan and lease loss provision to assets | 0.5230% | 3,059 |
| Net operating income to assets | 0.5078% | 4,060 |
| Return on assets (ROA) | 0.5078% | 4,219 |
| Pretax return on assets | 0.6097% | 4,289 |
| Return on Equity (ROE) | 4.2481% | 4,413 |
| Retained earnings to average equity (ytd only) | 4.2481% | 2,871 |
| Net charge-offs to loans | 0.4647% | 3,760 |
| Credit loss provision to net charge-offs | 168.8889% | 2,008 |
| Earnings coverage of net charge-offs (x) | 3.6578% | 3,249 |
| Efficiency ratio | 68.1865% | 4,525 |
| Assets per employee ($millions) | 5.1633% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1481% | 1,964 |
| Loan loss allowance to noncurrent loans | 260.8592% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 5,297 |
| Noncurrent loans to loans | 0.8235% | 5,402 |
| Net loans and leases to total assets | 64.2866% | 3,807 |
| Net loans and leases to deposits | 76.3276% | 3,789 |
| Net loans and leases to core deposits | 83.2901% | 3,703 |
| Total domestic deposits to total assets | 84.2247% | 4,260 |
| Equity capital to assets | 11.4732% | 2,284 |
| Core capital (leverage) ratio | 8.0576% | 6,103 |
| Tier 1 risk-based capital ratio | 10.3670% | 6,784 |
| Total risk-based capital ratio | 11.6239% | 6,761 |
| Memoranda: | ||
| Average total assets | $72,663,800 | 5,793 |
| Average earning assets | $63,596,000 | 5,869 |
| Average equity | $8,686,200 | 5,505 |
| Average total loans | $48,423,400 | 5,542 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5051% | 2,415 |
| Cost of funding earning assets | 1.6021% | 2,377 |
| Net interest margin | 3.9030% | 3,512 |
| Noninterest income to average assets | 0.5989% | 3,443 |
| Noninterest expense to average assets | 2.8730% | 4,196 |
| Loan and lease loss provision to assets | 0.6903% | 2,218 |
| Net operating income to assets | 0.3974% | 4,761 |
| Return on assets (ROA) | 0.3974% | 4,941 |
| Pretax return on assets | 0.4533% | 5,067 |
| Return on Equity (ROE) | 3.2883% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.2883% | 4,130 |
| Net charge-offs to loans | 0.6275% | 2,863 |
| Credit loss provision to net charge-offs | 164.4444% | 2,288 |
| Earnings coverage of net charge-offs (x) | 2.7245% | 3,787 |
| Efficiency ratio | 67.4872% | 4,564 |
| Assets per employee ($millions) | 4.9519% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1246% | 1,942 |
| Loan loss allowance to noncurrent loans | 434.9398% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 5,795 |
| Noncurrent loans to loans | 0.4885% | 6,218 |
| Net loans and leases to total assets | 67.1693% | 3,416 |
| Net loans and leases to deposits | 80.3272% | 3,390 |
| Net loans and leases to core deposits | 89.3978% | 3,189 |
| Total domestic deposits to total assets | 83.6196% | 4,309 |
| Equity capital to assets | 11.8353% | 2,263 |
| Core capital (leverage) ratio | 8.0931% | 6,210 |
| Tier 1 risk-based capital ratio | 10.5947% | 6,710 |
| Total risk-based capital ratio | 11.8540% | 6,692 |
| Memoranda: | ||
| Average total assets | $71,467,250 | 5,905 |
| Average earning assets | $62,583,000 | 5,972 |
| Average equity | $8,636,250 | 5,587 |
| Average total loans | $47,808,500 | 5,650 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4486% | 2,758 |
| Cost of funding earning assets | 1.6304% | 2,480 |
| Net interest margin | 3.8182% | 3,814 |
| Noninterest income to average assets | 0.5898% | 3,414 |
| Noninterest expense to average assets | 2.9321% | 3,954 |
| Loan and lease loss provision to assets | 0.8082% | 1,789 |
| Net operating income to assets | 0.1900% | 5,596 |
| Return on assets (ROA) | 0.1900% | 5,718 |
| Pretax return on assets | 0.1900% | 5,791 |
| Return on Equity (ROE) | 1.5609% | 5,777 |
| Retained earnings to average equity (ytd only) | 1.5609% | 5,080 |
| Net charge-offs to loans | 0.8384% | 2,154 |
| Credit loss provision to net charge-offs | 145.4082% | 2,731 |
| Earnings coverage of net charge-offs (x) | 1.7959% | 4,173 |
| Efficiency ratio | 69.1919% | 4,333 |
| Assets per employee ($millions) | 4.8473% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0586% | 2,052 |
| Loan loss allowance to noncurrent loans | 278.3198% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8431% | 5,429 |
| Noncurrent loans to loans | 0.7397% | 5,777 |
| Net loans and leases to total assets | 67.1998% | 3,572 |
| Net loans and leases to deposits | 83.0277% | 3,070 |
| Net loans and leases to core deposits | 92.0447% | 2,978 |
| Total domestic deposits to total assets | 80.9366% | 5,423 |
| Equity capital to assets | 11.8526% | 2,180 |
| Core capital (leverage) ratio | 8.1156% | 6,095 |
| Tier 1 risk-based capital ratio | 10.5340% | 6,660 |
| Total risk-based capital ratio | 11.7910% | 6,648 |
| Memoranda: | ||
| Average total assets | $70,530,330 | 5,960 |
| Average earning assets | $61,704,000 | 6,037 |
| Average equity | $8,584,670 | 5,612 |
| Average total loans | $46,753,000 | 5,729 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 3,523 |
| Cost of funding earning assets | 1.6384% | 2,721 |
| Net interest margin | 3.6666% | 4,404 |
| Noninterest income to average assets | 0.6164% | 3,158 |
| Noninterest expense to average assets | 2.9723% | 3,772 |
| Loan and lease loss provision to assets | 0.5184% | 2,426 |
| Net operating income to assets | 0.2016% | 5,685 |
| Return on assets (ROA) | 0.2016% | 5,800 |
| Pretax return on assets | 0.3226% | 5,544 |
| Return on Equity (ROE) | 1.6340% | 5,910 |
| Retained earnings to average equity (ytd only) | 1.6340% | 5,122 |
| Net charge-offs to loans | 0.7082% | 2,084 |
| Credit loss provision to net charge-offs | 112.5000% | 3,081 |
| Earnings coverage of net charge-offs (x) | 1.8250% | 3,639 |
| Efficiency ratio | 72.2054% | 3,892 |
| Assets per employee ($millions) | 4.6247% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0761% | 2,002 |
| Loan loss allowance to noncurrent loans | 257.6087% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.8822% | 5,396 |
| Noncurrent loans to loans | 0.8059% | 5,702 |
| Net loans and leases to total assets | 64.4563% | 4,231 |
| Net loans and leases to deposits | 78.2069% | 4,003 |
| Net loans and leases to core deposits | 84.7627% | 4,098 |
| Total domestic deposits to total assets | 82.4177% | 4,885 |
| Equity capital to assets | 12.3683% | 1,829 |
| Core capital (leverage) ratio | 8.3391% | 5,668 |
| Tier 1 risk-based capital ratio | 11.0984% | 6,063 |
| Total risk-based capital ratio | 12.3528% | 6,026 |
| Memoranda: | ||
| Average total assets | $69,440,500 | 6,062 |
| Average earning assets | $60,547,000 | 6,149 |
| Average equity | $8,568,000 | 5,671 |
| Average total loans | $45,185,500 | 5,875 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 4,944 |
| Cost of funding earning assets | 1.8820% | 3,552 |
| Net interest margin | 3.4675% | 5,091 |
| Noninterest income to average assets | 0.6676% | 3,175 |
| Noninterest expense to average assets | 2.9316% | 4,421 |
| Loan and lease loss provision to assets | 1.0722% | 2,141 |
| Net operating income to assets | -0.0620% | 5,606 |
| Return on assets (ROA) | -0.0620% | 5,628 |
| Pretax return on assets | -0.3131% | 5,846 |
| Return on Equity (ROE) | -0.5054% | 5,622 |
| Retained earnings to average equity (ytd only) | -0.5054% | 5,107 |
| Net charge-offs to loans | 1.1286% | 2,173 |
| Credit loss provision to net charge-offs | 157.1429% | 2,865 |
| Earnings coverage of net charge-offs (x) | 1.1126% | 5,001 |
| Efficiency ratio | 73.4294% | 4,011 |
| Assets per employee ($millions) | 4.9650% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0980% | 1,831 |
| Loan loss allowance to noncurrent loans | 213.6674% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 5,151 |
| Noncurrent loans to loans | 0.9819% | 5,357 |
| Net loans and leases to total assets | 62.9708% | 4,823 |
| Net loans and leases to deposits | 76.5214% | 4,652 |
| Net loans and leases to core deposits | 108.4085% | 3,057 |
| Total domestic deposits to total assets | 82.2918% | 4,819 |
| Equity capital to assets | 12.3090% | 1,850 |
| Core capital (leverage) ratio | 8.0888% | 6,012 |
| Tier 1 risk-based capital ratio | 11.1082% | 5,819 |
| Total risk-based capital ratio | 12.3662% | 5,761 |
| Memoranda: | ||
| Average total assets | $67,710,200 | 6,090 |
| Average earning assets | $59,033,400 | 6,160 |
| Average equity | $8,309,800 | 5,835 |
| Average total loans | $40,934,600 | 6,059 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2905% | 5,481 |
| Cost of funding earning assets | 1.9360% | 3,679 |
| Net interest margin | 3.3545% | 5,429 |
| Noninterest income to average assets | 0.6740% | 3,186 |
| Noninterest expense to average assets | 2.8565% | 4,635 |
| Loan and lease loss provision to assets | 1.2409% | 1,562 |
| Net operating income to assets | -0.4936% | 6,417 |
| Return on assets (ROA) | -0.4936% | 6,420 |
| Pretax return on assets | -0.4936% | 6,289 |
| Return on Equity (ROE) | -4.0250% | 6,341 |
| Retained earnings to average equity (ytd only) | -4.0250% | 6,114 |
| Net charge-offs to loans | 1.4970% | 1,369 |
| Credit loss provision to net charge-offs | 139.4209% | 3,536 |
| Earnings coverage of net charge-offs (x) | 0.8396% | 5,215 |
| Efficiency ratio | 73.0473% | 4,045 |
| Assets per employee ($millions) | 4.6223% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9829% | 1,841 |
| Loan loss allowance to noncurrent loans | 141.1277% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 1.4553% | 4,205 |
| Noncurrent loans to loans | 1.4051% | 4,566 |
| Net loans and leases to total assets | 60.6701% | 5,474 |
| Net loans and leases to deposits | 77.8045% | 4,767 |
| Net loans and leases to core deposits | 114.8344% | 2,746 |
| Total domestic deposits to total assets | 77.9776% | 6,097 |
| Equity capital to assets | 12.0446% | 2,219 |
| Core capital (leverage) ratio | 7.9380% | 6,459 |
| Tier 1 risk-based capital ratio | 11.0024% | 5,952 |
| Total risk-based capital ratio | 12.2583% | 5,911 |
| Memoranda: | ||
| Average total assets | $67,260,250 | 6,138 |
| Average earning assets | $58,745,750 | 6,225 |
| Average equity | $8,248,250 | 5,903 |
| Average total loans | $39,991,000 | 6,158 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2509% | 5,863 |
| Cost of funding earning assets | 1.9880% | 3,832 |
| Net interest margin | 3.2629% | 5,692 |
| Noninterest income to average assets | 0.6700% | 3,194 |
| Noninterest expense to average assets | 2.8482% | 4,751 |
| Loan and lease loss provision to assets | 1.6404% | 1,018 |
| Net operating income to assets | -0.9734% | 6,960 |
| Return on assets (ROA) | -0.9734% | 6,959 |
| Pretax return on assets | -0.9734% | 6,800 |
| Return on Equity (ROE) | -7.8890% | 6,885 |
| Retained earnings to average equity (ytd only) | -7.8890% | 6,657 |
| Net charge-offs to loans | 2.1940% | 830 |
| Credit loss provision to net charge-offs | 127.5701% | 3,648 |
| Earnings coverage of net charge-offs (x) | 0.5187% | 5,188 |
| Efficiency ratio | 74.6154% | 3,935 |
| Assets per employee ($millions) | 4.4963% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 1,751 |
| Loan loss allowance to noncurrent loans | 107.4627% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.4679% | 4,039 |
| Noncurrent loans to loans | 1.7846% | 3,824 |
| Net loans and leases to total assets | 60.0572% | 5,669 |
| Net loans and leases to deposits | 73.4012% | 5,551 |
| Net loans and leases to core deposits | 108.8054% | 3,515 |
| Total domestic deposits to total assets | 81.8205% | 4,765 |
| Equity capital to assets | 12.2131% | 2,080 |
| Core capital (leverage) ratio | 7.9625% | 6,399 |
| Tier 1 risk-based capital ratio | 11.4674% | 5,422 |
| Total risk-based capital ratio | 12.7220% | 5,331 |
| Memoranda: | ||
| Average total assets | $66,569,000 | 6,205 |
| Average earning assets | $58,047,330 | 6,310 |
| Average equity | $8,214,000 | 5,946 |
| Average total loans | $39,016,000 | 6,248 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2223% | 6,212 |
| Cost of funding earning assets | 2.0344% | 3,963 |
| Net interest margin | 3.1879% | 5,893 |
| Noninterest income to average assets | 0.6653% | 3,104 |
| Noninterest expense to average assets | 2.7158% | 4,928 |
| Loan and lease loss provision to assets | 1.2339% | 1,049 |
| Net operating income to assets | -0.5625% | 6,936 |
| Return on assets (ROA) | -0.5625% | 6,983 |
| Pretax return on assets | -0.5262% | 6,839 |
| Return on Equity (ROE) | -4.5352% | 6,942 |
| Retained earnings to average equity (ytd only) | -4.5352% | 6,492 |
| Net charge-offs to loans | 1.8376% | 787 |
| Credit loss provision to net charge-offs | 117.2414% | 3,329 |
| Earnings coverage of net charge-offs (x) | 0.6724% | 4,468 |
| Efficiency ratio | 72.6148% | 4,080 |
| Assets per employee ($millions) | 4.4107% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 1,752 |
| Loan loss allowance to noncurrent loans | 60.0855% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.7684% | 3,271 |
| Noncurrent loans to loans | 3.0687% | 2,115 |
| Net loans and leases to total assets | 56.5659% | 6,159 |
| Net loans and leases to deposits | 69.1539% | 6,061 |
| Net loans and leases to core deposits | 98.9503% | 4,651 |
| Total domestic deposits to total assets | 81.7972% | 4,637 |
| Equity capital to assets | 12.7872% | 1,842 |
| Core capital (leverage) ratio | 8.6097% | 5,324 |
| Tier 1 risk-based capital ratio | 12.5826% | 4,487 |
| Total risk-based capital ratio | 13.8370% | 4,407 |
| Memoranda: | ||
| Average total assets | $66,131,500 | 6,247 |
| Average earning assets | $57,216,500 | 6,368 |
| Average equity | $8,202,500 | 5,987 |
| Average total loans | $37,875,500 | 6,337 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5301% | 8,245 |
| Cost of funding earning assets | 0.6162% | 8,171 |
| Net interest margin | 0.9139% | 8,237 |
| Noninterest income to average assets | 0.1973% | 7,035 |
| Noninterest expense to average assets | 0.9331% | 8,218 |
| Loan and lease loss provision to assets | 0.0669% | 6,557 |
| Net operating income to assets | 0.0518% | 6,224 |
| Return on assets (ROA) | 0.0518% | 6,082 |
| Pretax return on assets | 0.0134% | 6,130 |
| Return on Equity (ROE) | 0.5950% | 6,041 |
| Retained earnings to average equity (ytd only) | 0.5950% | 4,882 |
| Net charge-offs to loans | -0.0087% | 7,837 |
| Credit loss provision to net charge-offs | -1,333.3333% | 7,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8086% | 1,871 |
| Assets per employee ($millions) | 4.7216% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 1,657 |
| Loan loss allowance to noncurrent loans | 124.3542% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.8199% | 4,799 |
| Noncurrent loans to loans | 1.4406% | 3,642 |
| Net loans and leases to total assets | 55.8976% | 6,450 |
| Net loans and leases to deposits | 67.6529% | 6,493 |
| Net loans and leases to core deposits | 91.2143% | 5,701 |
| Total domestic deposits to total assets | 82.6241% | 3,937 |
| Equity capital to assets | 12.0191% | 2,277 |
| Core capital (leverage) ratio | 8.2439% | 6,067 |
| Tier 1 risk-based capital ratio | 11.9224% | 4,888 |
| Total risk-based capital ratio | 13.1749% | 4,772 |
| Memoranda: | ||
| Average total assets | $59,802,200 | 6,387 |
| Average earning assets | $53,394,800 | 6,445 |
| Average equity | $5,209,800 | 7,079 |
| Average total loans | $34,369,200 | 6,466 |