Home > York State Bank > Performance and Condition Ratios
York State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5554% | 3,004 |
| Cost of funding earning assets | 0.8903% | 3,538 |
| Net interest margin | 3.6651% | 1,824 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 1.8333% | 3,948 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.5304% | 965 |
| Return on assets (ROA) | 1.5333% | 932 |
| Pretax return on assets | 1.9202% | 755 |
| Return on Equity (ROE) | 12.7800% | 1,782 |
| Retained earnings to average equity (ytd only) | 7.6070% | 1,669 |
| Net charge-offs to loans | 0.0699% | 1,152 |
| Credit loss provision to net charge-offs | 74.4681% | 2,060 |
| Earnings coverage of net charge-offs (x) | 40.1702% | 1,445 |
| Efficiency ratio | 48.4223% | 4,070 |
| Assets per employee ($millions) | 8.3159% | 1,273 |
| Cash dividends to net income (ytd only)* | 40.4722% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 2,529 |
| Loan loss allowance to noncurrent loans | 355.9284% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 2,042 |
| Noncurrent loans to loans | 0.3244% | 2,020 |
| Net loans and leases to total assets | 71.2000% | 1,673 |
| Net loans and leases to deposits | 82.1070% | 1,939 |
| Net loans and leases to core deposits | 87.7229% | 2,191 |
| Total domestic deposits to total assets | 86.7200% | 1,783 |
| Equity capital to assets | 12.7942% | 902 |
| Core capital (leverage) ratio | 11.3314% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5403% | 1,670 |
| Memoranda: | ||
| Average total assets | $193,368,400 | 3,028 |
| Average earning assets | $176,339,200 | 3,039 |
| Average equity | $23,202,200 | 2,613 |
| Average total loans | $134,510,400 | 2,817 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 2,972 |
| Cost of funding earning assets | 0.7734% | 3,595 |
| Net interest margin | 3.6938% | 1,792 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 1.8346% | 3,915 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.5766% | 970 |
| Return on assets (ROA) | 1.5788% | 960 |
| Pretax return on assets | 1.9784% | 773 |
| Return on Equity (ROE) | 13.3800% | 1,830 |
| Retained earnings to average equity (ytd only) | 9.2984% | 1,606 |
| Net charge-offs to loans | 0.0030% | 2,422 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 962.6667% | 165 |
| Efficiency ratio | 48.0202% | 4,042 |
| Assets per employee ($millions) | 8.7445% | 1,023 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,401 |
| Loan loss allowance to noncurrent loans | 209.3951% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 1,427 |
| Noncurrent loans to loans | 0.5694% | 1,409 |
| Net loans and leases to total assets | 70.0800% | 1,819 |
| Net loans and leases to deposits | 83.2896% | 1,804 |
| Net loans and leases to core deposits | 87.1864% | 2,111 |
| Total domestic deposits to total assets | 84.1400% | 2,734 |
| Equity capital to assets | 12.2528% | 978 |
| Core capital (leverage) ratio | 11.3039% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5119% | 1,712 |
| Memoranda: | ||
| Average total assets | $193,894,000 | 3,033 |
| Average earning assets | $177,046,750 | 3,040 |
| Average equity | $22,885,000 | 2,631 |
| Average total loans | $133,695,000 | 2,832 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 2,935 |
| Cost of funding earning assets | 0.6620% | 3,597 |
| Net interest margin | 3.7175% | 1,788 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 1.8354% | 3,936 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.5973% | 954 |
| Return on assets (ROA) | 1.5998% | 952 |
| Pretax return on assets | 2.0041% | 742 |
| Return on Equity (ROE) | 13.7300% | 1,737 |
| Retained earnings to average equity (ytd only) | 7.5477% | 2,115 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.6496% | 4,083 |
| Assets per employee ($millions) | 7.9633% | 1,338 |
| Cash dividends to net income (ytd only)* | 45.0161% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,212 |
| Loan loss allowance to noncurrent loans | 426.7016% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 2,195 |
| Noncurrent loans to loans | 0.2912% | 2,092 |
| Net loans and leases to total assets | 67.7800% | 1,984 |
| Net loans and leases to deposits | 77.5236% | 2,175 |
| Net loans and leases to core deposits | 80.1785% | 2,462 |
| Total domestic deposits to total assets | 87.4300% | 1,792 |
| Equity capital to assets | 12.0432% | 1,034 |
| Core capital (leverage) ratio | 10.6606% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4840% | 1,731 |
| Memoranda: | ||
| Average total assets | $194,398,667 | 3,038 |
| Average earning assets | $177,646,333 | 3,041 |
| Average equity | $22,656,000 | 2,651 |
| Average total loans | $132,776,000 | 2,838 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2648% | 2,891 |
| Cost of funding earning assets | 0.5808% | 3,438 |
| Net interest margin | 3.6839% | 1,935 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 1.7976% | 4,031 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6123% | 960 |
| Return on assets (ROA) | 1.6140% | 957 |
| Pretax return on assets | 2.0221% | 744 |
| Return on Equity (ROE) | 14.0800% | 1,757 |
| Retained earnings to average equity (ytd only) | 1.6195% | 3,761 |
| Net charge-offs to loans | -0.0090% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.0871% | 4,151 |
| Assets per employee ($millions) | 8.7158% | 1,043 |
| Cash dividends to net income (ytd only)* | 88.4956% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 2,398 |
| Loan loss allowance to noncurrent loans | 504.0498% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 2,384 |
| Noncurrent loans to loans | 0.2438% | 2,276 |
| Net loans and leases to total assets | 64.8600% | 2,165 |
| Net loans and leases to deposits | 73.5712% | 2,330 |
| Net loans and leases to core deposits | 75.7303% | 2,553 |
| Total domestic deposits to total assets | 88.1600% | 1,869 |
| Equity capital to assets | 11.2808% | 1,234 |
| Core capital (leverage) ratio | 10.0668% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9175% | 1,997 |
| Memoranda: | ||
| Average total assets | $196,038,000 | 3,064 |
| Average earning assets | $179,048,500 | 3,073 |
| Average equity | $22,475,500 | 2,684 |
| Average total loans | $133,580,000 | 2,867 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4514% | 3,205 |
| Cost of funding earning assets | 0.2104% | 3,674 |
| Net interest margin | 3.2410% | 2,734 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.7306% | 4,124 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2546% | 1,586 |
| Return on assets (ROA) | 1.2541% | 1,536 |
| Pretax return on assets | 1.5718% | 1,238 |
| Return on Equity (ROE) | 10.5200% | 2,640 |
| Retained earnings to average equity (ytd only) | 5.6498% | 2,769 |
| Net charge-offs to loans | 0.0209% | 1,666 |
| Credit loss provision to net charge-offs | 388.8889% | 788 |
| Earnings coverage of net charge-offs (x) | 114.2593% | 908 |
| Efficiency ratio | 51.5318% | 4,026 |
| Assets per employee ($millions) | 8.3310% | 1,176 |
| Cash dividends to net income (ytd only)* | 46.2768% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,431 |
| Loan loss allowance to noncurrent loans | 378.2201% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,044 |
| Noncurrent loans to loans | 0.3151% | 2,019 |
| Net loans and leases to total assets | 69.8800% | 1,652 |
| Net loans and leases to deposits | 79.6230% | 1,801 |
| Net loans and leases to core deposits | 81.0153% | 2,076 |
| Total domestic deposits to total assets | 87.7600% | 2,158 |
| Equity capital to assets | 11.6574% | 1,032 |
| Core capital (leverage) ratio | 10.2799% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7641% | 2,067 |
| Memoranda: | ||
| Average total assets | $189,532,400 | 3,105 |
| Average earning assets | $170,164,400 | 3,153 |
| Average equity | $22,602,400 | 2,728 |
| Average total loans | $129,146,800 | 2,838 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2572% | 3,296 |
| Cost of funding earning assets | 0.1677% | 3,653 |
| Net interest margin | 3.0895% | 2,963 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.7007% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2109% | 1,658 |
| Return on assets (ROA) | 1.2098% | 1,639 |
| Pretax return on assets | 1.5166% | 1,367 |
| Return on Equity (ROE) | 10.0900% | 2,695 |
| Retained earnings to average equity (ytd only) | 7.1462% | 2,320 |
| Net charge-offs to loans | 0.0063% | 1,926 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 358.6667% | 419 |
| Efficiency ratio | 52.8380% | 3,934 |
| Assets per employee ($millions) | 7.9184% | 1,366 |
| Cash dividends to net income (ytd only)* | 29.1545% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 2,747 |
| Loan loss allowance to noncurrent loans | 311.1789% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 1,926 |
| Noncurrent loans to loans | 0.3726% | 1,900 |
| Net loans and leases to total assets | 68.6800% | 1,596 |
| Net loans and leases to deposits | 78.3598% | 1,680 |
| Net loans and leases to core deposits | 79.6373% | 1,927 |
| Total domestic deposits to total assets | 87.6500% | 2,537 |
| Equity capital to assets | 11.7517% | 933 |
| Core capital (leverage) ratio | 10.4813% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3488% | 2,340 |
| Memoranda: | ||
| Average total assets | $189,012,500 | 3,138 |
| Average earning assets | $169,302,250 | 3,182 |
| Average equity | $22,668,750 | 2,760 |
| Average total loans | $127,555,250 | 2,851 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0925% | 3,328 |
| Cost of funding earning assets | 0.1526% | 3,534 |
| Net interest margin | 2.9399% | 3,059 |
| Noninterest income to average assets | 0.4558% | 2,414 |
| Noninterest expense to average assets | 1.6049% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1412% | 1,625 |
| Return on assets (ROA) | 1.1396% | 1,614 |
| Pretax return on assets | 1.4629% | 1,275 |
| Return on Equity (ROE) | 9.4378% | 2,550 |
| Retained earnings to average equity (ytd only) | 5.0481% | 2,691 |
| Net charge-offs to loans | 0.0159% | 1,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 138.2000% | 685 |
| Efficiency ratio | 52.2790% | 4,105 |
| Assets per employee ($millions) | 7.9768% | 1,318 |
| Cash dividends to net income (ytd only)* | 46.5116% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,647 |
| Loan loss allowance to noncurrent loans | 304.7904% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 1,946 |
| Noncurrent loans to loans | 0.3963% | 1,942 |
| Net loans and leases to total assets | 68.0775% | 1,472 |
| Net loans and leases to deposits | 78.0302% | 1,539 |
| Net loans and leases to core deposits | 79.2019% | 1,765 |
| Total domestic deposits to total assets | 87.2450% | 2,855 |
| Equity capital to assets | 12.1995% | 819 |
| Core capital (leverage) ratio | 10.2760% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9044% | 2,099 |
| Memoranda: | ||
| Average total assets | $188,669,667 | 3,172 |
| Average earning assets | $167,759,333 | 3,238 |
| Average equity | $22,780,667 | 2,832 |
| Average total loans | $126,056,667 | 2,885 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9549% | 3,388 |
| Cost of funding earning assets | 0.1590% | 3,390 |
| Net interest margin | 2.7959% | 3,154 |
| Noninterest income to average assets | 0.4308% | 2,496 |
| Noninterest expense to average assets | 1.6040% | 4,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0034% | 1,873 |
| Return on assets (ROA) | 1.0017% | 1,871 |
| Pretax return on assets | 1.2882% | 1,542 |
| Return on Equity (ROE) | 8.3377% | 2,573 |
| Retained earnings to average equity (ytd only) | 8.3377% | 1,476 |
| Net charge-offs to loans | 0.0032% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 617.0000% | 162 |
| Efficiency ratio | 55.4191% | 3,926 |
| Assets per employee ($millions) | 7.8899% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,822 |
| Loan loss allowance to noncurrent loans | 332.4675% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 2,240 |
| Noncurrent loans to loans | 0.3631% | 2,183 |
| Net loans and leases to total assets | 63.7203% | 1,654 |
| Net loans and leases to deposits | 73.0369% | 1,688 |
| Net loans and leases to core deposits | 73.9448% | 1,943 |
| Total domestic deposits to total assets | 87.2440% | 2,834 |
| Equity capital to assets | 11.5514% | 1,108 |
| Core capital (leverage) ratio | 9.9784% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0577% | 2,178 |
| Memoranda: | ||
| Average total assets | $191,271,500 | 3,162 |
| Average earning assets | $168,533,500 | 3,239 |
| Average equity | $22,980,000 | 2,906 |
| Average total loans | $125,872,000 | 2,893 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 1,959 |
| Cost of funding earning assets | 0.2433% | 3,016 |
| Net interest margin | 3.5179% | 1,678 |
| Noninterest income to average assets | 0.4731% | 2,706 |
| Noninterest expense to average assets | 1.9893% | 3,705 |
| Loan and lease loss provision to assets | 0.0224% | 2,617 |
| Net operating income to assets | 1.2227% | 1,846 |
| Return on assets (ROA) | 1.2245% | 1,889 |
| Pretax return on assets | 1.5791% | 1,485 |
| Return on Equity (ROE) | 9.5748% | 2,692 |
| Retained earnings to average equity (ytd only) | 6.0643% | 2,334 |
| Net charge-offs to loans | 0.0191% | 1,895 |
| Credit loss provision to net charge-offs | 166.6667% | 1,424 |
| Earnings coverage of net charge-offs (x) | 118.7500% | 789 |
| Efficiency ratio | 55.4339% | 3,767 |
| Assets per employee ($millions) | 6.8628% | 2,027 |
| Cash dividends to net income (ytd only)* | 36.6636% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,714 |
| Loan loss allowance to noncurrent loans | 299.6101% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 2,161 |
| Noncurrent loans to loans | 0.4120% | 2,121 |
| Net loans and leases to total assets | 66.3720% | 1,431 |
| Net loans and leases to deposits | 76.8045% | 1,508 |
| Net loans and leases to core deposits | 77.9594% | 1,765 |
| Total domestic deposits to total assets | 86.4168% | 2,754 |
| Equity capital to assets | 12.5071% | 1,063 |
| Core capital (leverage) ratio | 10.3275% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0236% | 2,241 |
| Memoranda: | ||
| Average total assets | $178,199,800 | 3,224 |
| Average earning assets | $157,823,400 | 3,302 |
| Average equity | $22,789,000 | 3,001 |
| Average total loans | $125,667,800 | 2,903 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 1,638 |
| Cost of funding earning assets | 0.2608% | 3,008 |
| Net interest margin | 3.6908% | 1,355 |
| Noninterest income to average assets | 0.4927% | 2,653 |
| Noninterest expense to average assets | 2.0737% | 3,443 |
| Loan and lease loss provision to assets | 0.0300% | 2,393 |
| Net operating income to assets | 1.2988% | 1,834 |
| Return on assets (ROA) | 1.3006% | 1,885 |
| Pretax return on assets | 1.6747% | 1,475 |
| Return on Equity (ROE) | 10.1118% | 2,694 |
| Retained earnings to average equity (ytd only) | 8.3491% | 1,931 |
| Net charge-offs to loans | 0.0392% | 1,307 |
| Credit loss provision to net charge-offs | 108.1081% | 1,529 |
| Earnings coverage of net charge-offs (x) | 60.8919% | 1,130 |
| Efficiency ratio | 54.9129% | 3,671 |
| Assets per employee ($millions) | 6.1670% | 2,534 |
| Cash dividends to net income (ytd only)* | 17.4317% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,751 |
| Loan loss allowance to noncurrent loans | 225.4438% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 1,935 |
| Noncurrent loans to loans | 0.5532% | 1,931 |
| Net loans and leases to total assets | 67.4698% | 1,379 |
| Net loans and leases to deposits | 78.7255% | 1,412 |
| Net loans and leases to core deposits | 79.8371% | 1,749 |
| Total domestic deposits to total assets | 85.7025% | 2,868 |
| Equity capital to assets | 13.0891% | 960 |
| Core capital (leverage) ratio | 10.4095% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5852% | 2,134 |
| Memoranda: | ||
| Average total assets | $176,426,000 | 3,273 |
| Average earning assets | $156,963,500 | 3,340 |
| Average equity | $22,692,500 | 3,041 |
| Average total loans | $125,954,500 | 2,936 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 2,164 |
| Cost of funding earning assets | 0.2825% | 2,949 |
| Net interest margin | 3.4806% | 1,914 |
| Noninterest income to average assets | 0.4817% | 2,709 |
| Noninterest expense to average assets | 2.0020% | 3,693 |
| Loan and lease loss provision to assets | 0.0285% | 2,412 |
| Net operating income to assets | 1.2045% | 2,177 |
| Return on assets (ROA) | 1.2071% | 2,238 |
| Pretax return on assets | 1.5556% | 1,856 |
| Return on Equity (ROE) | 9.4417% | 2,969 |
| Retained earnings to average equity (ytd only) | 6.7695% | 2,514 |
| Net charge-offs to loans | 0.0472% | 1,161 |
| Credit loss provision to net charge-offs | 83.3333% | 1,474 |
| Earnings coverage of net charge-offs (x) | 46.2667% | 1,101 |
| Efficiency ratio | 55.8805% | 3,557 |
| Assets per employee ($millions) | 6.0530% | 2,561 |
| Cash dividends to net income (ytd only)* | 28.3019% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 3,046 |
| Loan loss allowance to noncurrent loans | 219.3922% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 2,088 |
| Noncurrent loans to loans | 0.5383% | 2,056 |
| Net loans and leases to total assets | 69.8504% | 1,211 |
| Net loans and leases to deposits | 81.0539% | 1,326 |
| Net loans and leases to core deposits | 82.1723% | 1,710 |
| Total domestic deposits to total assets | 86.1777% | 2,676 |
| Equity capital to assets | 12.5485% | 1,113 |
| Core capital (leverage) ratio | 9.9929% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8771% | 2,411 |
| Memoranda: | ||
| Average total assets | $175,620,333 | 3,284 |
| Average earning assets | $156,466,333 | 3,348 |
| Average equity | $22,453,667 | 3,054 |
| Average total loans | $127,209,667 | 2,930 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5594% | 2,765 |
| Cost of funding earning assets | 0.3057% | 2,930 |
| Net interest margin | 3.2537% | 2,539 |
| Noninterest income to average assets | 0.4819% | 2,698 |
| Noninterest expense to average assets | 2.0598% | 3,533 |
| Loan and lease loss provision to assets | 0.0232% | 2,481 |
| Net operating income to assets | 1.0140% | 2,771 |
| Return on assets (ROA) | 1.0195% | 2,834 |
| Pretax return on assets | 1.3161% | 2,525 |
| Return on Equity (ROE) | 7.8970% | 3,359 |
| Retained earnings to average equity (ytd only) | 7.8970% | 2,280 |
| Net charge-offs to loans | 0.0474% | 1,015 |
| Credit loss provision to net charge-offs | 66.6667% | 1,259 |
| Earnings coverage of net charge-offs (x) | 38.3333% | 998 |
| Efficiency ratio | 60.7240% | 2,947 |
| Assets per employee ($millions) | 6.1889% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 2,921 |
| Loan loss allowance to noncurrent loans | 255.2189% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 2,485 |
| Noncurrent loans to loans | 0.4710% | 2,444 |
| Net loans and leases to total assets | 69.4212% | 1,364 |
| Net loans and leases to deposits | 80.4607% | 1,484 |
| Net loans and leases to core deposits | 81.7011% | 1,867 |
| Total domestic deposits to total assets | 86.2796% | 2,635 |
| Equity capital to assets | 12.5309% | 1,069 |
| Core capital (leverage) ratio | 10.2816% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5352% | 2,476 |
| Memoranda: | ||
| Average total assets | $172,635,000 | 3,306 |
| Average earning assets | $154,409,500 | 3,370 |
| Average equity | $22,287,000 | 3,059 |
| Average total loans | $126,635,500 | 2,939 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 1,887 |
| Cost of funding earning assets | 0.5262% | 2,775 |
| Net interest margin | 3.7661% | 1,600 |
| Noninterest income to average assets | 0.4917% | 2,668 |
| Noninterest expense to average assets | 2.4346% | 3,036 |
| Loan and lease loss provision to assets | 0.0225% | 4,117 |
| Net operating income to assets | 1.1424% | 1,756 |
| Return on assets (ROA) | 1.1419% | 1,885 |
| Pretax return on assets | 1.4705% | 1,438 |
| Return on Equity (ROE) | 8.2765% | 2,702 |
| Retained earnings to average equity (ytd only) | 5.2525% | 2,161 |
| Net charge-offs to loans | 0.0105% | 2,946 |
| Credit loss provision to net charge-offs | 269.2308% | 1,850 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 506 |
| Efficiency ratio | 61.9771% | 3,140 |
| Assets per employee ($millions) | 5.1810% | 3,188 |
| Cash dividends to net income (ytd only)* | 36.5374% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 2,971 |
| Loan loss allowance to noncurrent loans | 178.9412% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 2,019 |
| Noncurrent loans to loans | 0.6684% | 2,012 |
| Net loans and leases to total assets | 75.7806% | 813 |
| Net loans and leases to deposits | 88.8392% | 1,016 |
| Net loans and leases to core deposits | 90.3338% | 1,499 |
| Total domestic deposits to total assets | 85.3009% | 2,653 |
| Equity capital to assets | 13.3202% | 991 |
| Core capital (leverage) ratio | 10.7211% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0768% | 2,601 |
| Memoranda: | ||
| Average total assets | $155,797,000 | 3,332 |
| Average earning assets | $142,162,600 | 3,356 |
| Average equity | $21,494,600 | 3,054 |
| Average total loans | $123,744,600 | 2,941 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 2,030 |
| Cost of funding earning assets | 0.5719% | 2,789 |
| Net interest margin | 3.7524% | 1,755 |
| Noninterest income to average assets | 0.4958% | 2,629 |
| Noninterest expense to average assets | 2.5127% | 2,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0607% | 2,107 |
| Return on assets (ROA) | 1.0593% | 2,246 |
| Pretax return on assets | 1.4055% | 1,715 |
| Return on Equity (ROE) | 7.6073% | 2,958 |
| Retained earnings to average equity (ytd only) | 5.4213% | 2,365 |
| Net charge-offs to loans | 0.0163% | 2,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 107.8667% | 753 |
| Efficiency ratio | 64.1003% | 2,717 |
| Assets per employee ($millions) | 5.0572% | 3,171 |
| Cash dividends to net income (ytd only)* | 28.7356% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,511 |
| Loan loss allowance to noncurrent loans | 166.3677% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 2,018 |
| Noncurrent loans to loans | 0.7385% | 1,963 |
| Net loans and leases to total assets | 76.0981% | 1,082 |
| Net loans and leases to deposits | 90.0556% | 1,259 |
| Net loans and leases to core deposits | 92.0185% | 1,797 |
| Total domestic deposits to total assets | 84.5013% | 2,633 |
| Equity capital to assets | 13.9456% | 873 |
| Core capital (leverage) ratio | 10.8906% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8637% | 2,260 |
| Memoranda: | ||
| Average total assets | $153,298,000 | 3,343 |
| Average earning assets | $139,889,750 | 3,371 |
| Average equity | $21,347,250 | 3,063 |
| Average total loans | $122,890,750 | 2,960 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 2,265 |
| Cost of funding earning assets | 0.6184% | 2,875 |
| Net interest margin | 3.7577% | 1,961 |
| Noninterest income to average assets | 0.4772% | 2,670 |
| Noninterest expense to average assets | 2.5174% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0353% | 2,203 |
| Return on assets (ROA) | 1.0333% | 2,343 |
| Pretax return on assets | 1.4000% | 1,727 |
| Return on Equity (ROE) | 7.4237% | 2,958 |
| Retained earnings to average equity (ytd only) | 4.1180% | 2,852 |
| Net charge-offs to loans | 0.0081% | 2,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 213.4000% | 421 |
| Efficiency ratio | 64.2186% | 2,796 |
| Assets per employee ($millions) | 4.8910% | 3,315 |
| Cash dividends to net income (ytd only)* | 44.5293% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,611 |
| Loan loss allowance to noncurrent loans | 280.8271% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 2,942 |
| Noncurrent loans to loans | 0.4202% | 2,906 |
| Net loans and leases to total assets | 79.9410% | 601 |
| Net loans and leases to deposits | 94.3340% | 928 |
| Net loans and leases to core deposits | 96.1936% | 1,564 |
| Total domestic deposits to total assets | 84.7425% | 2,490 |
| Equity capital to assets | 13.6947% | 929 |
| Core capital (leverage) ratio | 10.8317% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8667% | 2,664 |
| Memoranda: | ||
| Average total assets | $152,139,333 | 3,333 |
| Average earning assets | $139,393,667 | 3,355 |
| Average equity | $21,175,333 | 3,066 |
| Average total loans | $123,592,333 | 2,937 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 2,360 |
| Cost of funding earning assets | 0.6745% | 3,037 |
| Net interest margin | 3.8083% | 1,938 |
| Noninterest income to average assets | 0.5175% | 2,457 |
| Noninterest expense to average assets | 2.5555% | 3,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1293% | 1,753 |
| Return on assets (ROA) | 1.1230% | 1,872 |
| Pretax return on assets | 1.4485% | 1,438 |
| Return on Equity (ROE) | 8.0015% | 2,519 |
| Retained earnings to average equity (ytd only) | 8.0015% | 1,232 |
| Net charge-offs to loans | 0.0033% | 2,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 546.0000% | 109 |
| Efficiency ratio | 63.6968% | 3,281 |
| Assets per employee ($millions) | 4.4982% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,429 |
| Loan loss allowance to noncurrent loans | 137.3052% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7350% | 1,832 |
| Noncurrent loans to loans | 0.9063% | 1,800 |
| Net loans and leases to total assets | 80.0899% | 688 |
| Net loans and leases to deposits | 95.2330% | 981 |
| Net loans and leases to core deposits | 98.5151% | 1,584 |
| Total domestic deposits to total assets | 84.0988% | 2,759 |
| Equity capital to assets | 14.3079% | 960 |
| Core capital (leverage) ratio | 11.1709% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,952,500 | 3,318 |
| Average earning assets | $137,593,000 | 3,345 |
| Average equity | $21,046,000 | 3,071 |
| Average total loans | $122,082,500 | 2,932 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 2,520 |
| Cost of funding earning assets | 0.7487% | 2,927 |
| Net interest margin | 3.8812% | 2,235 |
| Noninterest income to average assets | 0.5488% | 2,487 |
| Noninterest expense to average assets | 2.5671% | 3,268 |
| Loan and lease loss provision to assets | 0.0535% | 2,961 |
| Net operating income to assets | 1.1535% | 2,244 |
| Return on assets (ROA) | 1.1551% | 2,332 |
| Pretax return on assets | 1.4873% | 1,842 |
| Return on Equity (ROE) | 8.5912% | 2,911 |
| Retained earnings to average equity (ytd only) | 5.6440% | 2,068 |
| Net charge-offs to loans | 0.0394% | 2,598 |
| Credit loss provision to net charge-offs | 168.7500% | 1,538 |
| Earnings coverage of net charge-offs (x) | 48.5417% | 1,149 |
| Efficiency ratio | 62.5221% | 3,289 |
| Assets per employee ($millions) | 4.4548% | 3,293 |
| Cash dividends to net income (ytd only)* | 34.3053% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,371 |
| Loan loss allowance to noncurrent loans | 339.9093% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 3,268 |
| Noncurrent loans to loans | 0.3563% | 3,171 |
| Net loans and leases to total assets | 80.7332% | 699 |
| Net loans and leases to deposits | 95.4366% | 999 |
| Net loans and leases to core deposits | 100.4254% | 1,526 |
| Total domestic deposits to total assets | 84.5936% | 2,646 |
| Equity capital to assets | 13.7677% | 1,183 |
| Core capital (leverage) ratio | 10.9284% | 2,563 |
| Tier 1 risk-based capital ratio | 11.9403% | 4,394 |
| Total risk-based capital ratio | 13.0789% | 4,331 |
| Memoranda: | ||
| Average total assets | $151,414,200 | 3,280 |
| Average earning assets | $138,770,200 | 3,295 |
| Average equity | $20,358,000 | 3,101 |
| Average total loans | $121,757,800 | 2,925 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6521% | 2,557 |
| Cost of funding earning assets | 0.7568% | 2,934 |
| Net interest margin | 3.8953% | 2,271 |
| Noninterest income to average assets | 0.5504% | 2,457 |
| Noninterest expense to average assets | 2.5767% | 3,225 |
| Loan and lease loss provision to assets | 0.0537% | 2,835 |
| Net operating income to assets | 1.1584% | 2,333 |
| Return on assets (ROA) | 1.1598% | 2,420 |
| Pretax return on assets | 1.4936% | 1,975 |
| Return on Equity (ROE) | 8.6782% | 3,019 |
| Retained earnings to average equity (ytd only) | 6.7014% | 2,011 |
| Net charge-offs to loans | 0.0440% | 2,210 |
| Credit loss provision to net charge-offs | 152.5000% | 1,609 |
| Earnings coverage of net charge-offs (x) | 43.8766% | 1,287 |
| Efficiency ratio | 62.5080% | 3,246 |
| Assets per employee ($millions) | 4.3831% | 3,366 |
| Cash dividends to net income (ytd only)* | 22.7790% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,275 |
| Loan loss allowance to noncurrent loans | 599.5968% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 3,911 |
| Noncurrent loans to loans | 0.2073% | 3,793 |
| Net loans and leases to total assets | 79.2977% | 941 |
| Net loans and leases to deposits | 93.9321% | 1,224 |
| Net loans and leases to core deposits | 98.7194% | 1,769 |
| Total domestic deposits to total assets | 84.4203% | 2,663 |
| Equity capital to assets | 13.9149% | 1,186 |
| Core capital (leverage) ratio | 10.7861% | 2,851 |
| Tier 1 risk-based capital ratio | 13.0386% | 3,820 |
| Total risk-based capital ratio | 14.2824% | 3,732 |
| Memoranda: | ||
| Average total assets | $151,402,000 | 3,309 |
| Average earning assets | $138,829,750 | 3,328 |
| Average equity | $20,234,250 | 3,131 |
| Average total loans | $121,252,250 | 2,965 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 2,654 |
| Cost of funding earning assets | 0.7476% | 2,905 |
| Net interest margin | 3.8601% | 2,368 |
| Noninterest income to average assets | 0.5440% | 2,417 |
| Noninterest expense to average assets | 2.5770% | 3,258 |
| Loan and lease loss provision to assets | 0.0631% | 2,561 |
| Net operating income to assets | 1.1173% | 2,455 |
| Return on assets (ROA) | 1.1183% | 2,524 |
| Pretax return on assets | 1.4403% | 2,065 |
| Return on Equity (ROE) | 8.4817% | 3,072 |
| Retained earnings to average equity (ytd only) | 8.4817% | 1,215 |
| Net charge-offs to loans | 0.0575% | 1,824 |
| Credit loss provision to net charge-offs | 137.1429% | 1,598 |
| Earnings coverage of net charge-offs (x) | 32.6571% | 1,401 |
| Efficiency ratio | 63.1765% | 3,259 |
| Assets per employee ($millions) | 4.2327% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,465 |
| Loan loss allowance to noncurrent loans | 549.8141% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 3,879 |
| Noncurrent loans to loans | 0.2204% | 3,753 |
| Net loans and leases to total assets | 79.1394% | 1,019 |
| Net loans and leases to deposits | 93.1579% | 1,356 |
| Net loans and leases to core deposits | 99.4860% | 1,768 |
| Total domestic deposits to total assets | 84.9519% | 2,497 |
| Equity capital to assets | 13.4954% | 1,323 |
| Core capital (leverage) ratio | 10.5238% | 3,060 |
| Tier 1 risk-based capital ratio | 11.9267% | 4,462 |
| Total risk-based capital ratio | 13.0704% | 4,406 |
| Memoranda: | ||
| Average total assets | $152,193,670 | 3,328 |
| Average earning assets | $139,373,000 | 3,337 |
| Average equity | $20,066,670 | 3,141 |
| Average total loans | $121,782,330 | 2,965 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 2,786 |
| Cost of funding earning assets | 0.7277% | 2,901 |
| Net interest margin | 3.7969% | 2,536 |
| Noninterest income to average assets | 0.5391% | 2,344 |
| Noninterest expense to average assets | 2.6272% | 3,135 |
| Loan and lease loss provision to assets | 0.0342% | 2,945 |
| Net operating income to assets | 1.0446% | 2,677 |
| Return on assets (ROA) | 1.0467% | 2,711 |
| Pretax return on assets | 1.3517% | 2,258 |
| Return on Equity (ROE) | 8.0331% | 3,249 |
| Retained earnings to average equity (ytd only) | 8.0331% | 1,648 |
| Net charge-offs to loans | 0.0526% | 1,533 |
| Credit loss provision to net charge-offs | 81.2500% | 1,775 |
| Earnings coverage of net charge-offs (x) | 32.8750% | 1,276 |
| Efficiency ratio | 65.5082% | 3,009 |
| Assets per employee ($millions) | 4.3428% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,544 |
| Loan loss allowance to noncurrent loans | 604.5455% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 4,014 |
| Noncurrent loans to loans | 0.1994% | 3,876 |
| Net loans and leases to total assets | 78.8722% | 1,007 |
| Net loans and leases to deposits | 92.5117% | 1,336 |
| Net loans and leases to core deposits | 96.4404% | 1,897 |
| Total domestic deposits to total assets | 85.2565% | 2,577 |
| Equity capital to assets | 13.1902% | 1,352 |
| Core capital (leverage) ratio | 10.2251% | 3,355 |
| Tier 1 risk-based capital ratio | 11.6545% | 4,654 |
| Total risk-based capital ratio | 12.7935% | 4,609 |
| Memoranda: | ||
| Average total assets | $152,101,500 | 3,362 |
| Average earning assets | $139,061,500 | 3,381 |
| Average equity | $19,818,000 | 3,175 |
| Average total loans | $121,638,500 | 3,001 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 3,079 |
| Cost of funding earning assets | 0.6152% | 2,617 |
| Net interest margin | 3.6926% | 3,062 |
| Noninterest income to average assets | 0.6000% | 2,290 |
| Noninterest expense to average assets | 2.6283% | 3,247 |
| Loan and lease loss provision to assets | 0.0267% | 3,642 |
| Net operating income to assets | 1.0326% | 2,876 |
| Return on assets (ROA) | 1.0315% | 2,868 |
| Pretax return on assets | 1.3242% | 2,418 |
| Return on Equity (ROE) | 8.0589% | 3,409 |
| Retained earnings to average equity (ytd only) | 4.9272% | 2,808 |
| Net charge-offs to loans | 0.0091% | 3,366 |
| Credit loss provision to net charge-offs | 363.6364% | 880 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 479 |
| Efficiency ratio | 66.0289% | 2,871 |
| Assets per employee ($millions) | 4.3487% | 3,386 |
| Cash dividends to net income (ytd only)* | 38.8601% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,556 |
| Loan loss allowance to noncurrent loans | 468.3706% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 3,798 |
| Noncurrent loans to loans | 0.2567% | 3,661 |
| Net loans and leases to total assets | 79.1458% | 1,068 |
| Net loans and leases to deposits | 93.3959% | 1,347 |
| Net loans and leases to core deposits | 99.3763% | 1,769 |
| Total domestic deposits to total assets | 84.7422% | 2,752 |
| Equity capital to assets | 12.8689% | 1,406 |
| Core capital (leverage) ratio | 10.0765% | 3,489 |
| Tier 1 risk-based capital ratio | 11.2549% | 4,834 |
| Total risk-based capital ratio | 12.3872% | 4,805 |
| Memoranda: | ||
| Average total assets | $149,677,800 | 3,388 |
| Average earning assets | $137,029,800 | 3,401 |
| Average equity | $19,159,000 | 3,165 |
| Average total loans | $120,430,200 | 2,987 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2525% | 3,143 |
| Cost of funding earning assets | 0.5735% | 2,675 |
| Net interest margin | 3.6790% | 3,093 |
| Noninterest income to average assets | 0.5779% | 2,431 |
| Noninterest expense to average assets | 2.6541% | 3,112 |
| Loan and lease loss provision to assets | 0.0161% | 3,692 |
| Net operating income to assets | 1.0028% | 3,067 |
| Return on assets (ROA) | 1.0028% | 3,083 |
| Pretax return on assets | 1.2819% | 2,689 |
| Return on Equity (ROE) | 7.8450% | 3,608 |
| Retained earnings to average equity (ytd only) | 5.9205% | 2,692 |
| Net charge-offs to loans | 0.0133% | 2,952 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 120.9138% | 653 |
| Efficiency ratio | 67.1571% | 2,691 |
| Assets per employee ($millions) | 4.2903% | 3,438 |
| Cash dividends to net income (ytd only)* | 24.5318% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,645 |
| Loan loss allowance to noncurrent loans | 304.4304% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 3,424 |
| Noncurrent loans to loans | 0.3928% | 3,245 |
| Net loans and leases to total assets | 79.3965% | 1,109 |
| Net loans and leases to deposits | 92.8918% | 1,512 |
| Net loans and leases to core deposits | 99.2342% | 1,850 |
| Total domestic deposits to total assets | 85.4721% | 2,413 |
| Equity capital to assets | 12.9363% | 1,362 |
| Core capital (leverage) ratio | 10.0695% | 3,558 |
| Tier 1 risk-based capital ratio | 11.3374% | 4,880 |
| Total risk-based capital ratio | 12.4677% | 4,838 |
| Memoranda: | ||
| Average total assets | $149,046,250 | 3,438 |
| Average earning assets | $136,699,500 | 3,445 |
| Average equity | $19,052,000 | 3,196 |
| Average total loans | $120,055,500 | 3,018 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 3,111 |
| Cost of funding earning assets | 0.5272% | 2,784 |
| Net interest margin | 3.6726% | 3,032 |
| Noninterest income to average assets | 0.5717% | 2,464 |
| Noninterest expense to average assets | 2.5761% | 3,395 |
| Loan and lease loss provision to assets | 0.0135% | 3,601 |
| Net operating income to assets | 1.0425% | 2,841 |
| Return on assets (ROA) | 1.0425% | 2,840 |
| Pretax return on assets | 1.3466% | 2,335 |
| Return on Equity (ROE) | 8.1891% | 3,420 |
| Retained earnings to average equity (ytd only) | 5.2833% | 2,940 |
| Net charge-offs to loans | 0.0067% | 2,898 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 252.7500% | 350 |
| Efficiency ratio | 65.4477% | 3,074 |
| Assets per employee ($millions) | 4.1720% | 3,620 |
| Cash dividends to net income (ytd only)* | 35.4839% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 2,524 |
| Loan loss allowance to noncurrent loans | 759.4737% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 4,286 |
| Noncurrent loans to loans | 0.1626% | 4,177 |
| Net loans and leases to total assets | 79.0534% | 1,156 |
| Net loans and leases to deposits | 92.6823% | 1,509 |
| Net loans and leases to core deposits | 98.9008% | 1,824 |
| Total domestic deposits to total assets | 85.2951% | 2,566 |
| Equity capital to assets | 13.0839% | 1,262 |
| Core capital (leverage) ratio | 9.8924% | 3,688 |
| Tier 1 risk-based capital ratio | 11.4528% | 4,805 |
| Total risk-based capital ratio | 12.6225% | 4,756 |
| Memoranda: | ||
| Average total assets | $148,675,330 | 3,453 |
| Average earning assets | $136,197,670 | 3,471 |
| Average equity | $18,927,670 | 3,230 |
| Average total loans | $119,852,670 | 3,036 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 3,205 |
| Cost of funding earning assets | 0.4825% | 2,935 |
| Net interest margin | 3.6276% | 3,080 |
| Noninterest income to average assets | 0.5387% | 2,584 |
| Noninterest expense to average assets | 2.5946% | 3,348 |
| Loan and lease loss provision to assets | 0.0267% | 3,170 |
| Net operating income to assets | 0.9626% | 3,021 |
| Return on assets (ROA) | 0.9626% | 3,039 |
| Pretax return on assets | 1.2453% | 2,580 |
| Return on Equity (ROE) | 7.6650% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.6650% | 1,967 |
| Net charge-offs to loans | -0.0099% | 4,242 |
| Credit loss provision to net charge-offs | -333.3333% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1034% | 2,984 |
| Assets per employee ($millions) | 4.3719% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,731 |
| Loan loss allowance to noncurrent loans | 843.0233% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 4,516 |
| Noncurrent loans to loans | 0.1439% | 4,319 |
| Net loans and leases to total assets | 79.4447% | 1,013 |
| Net loans and leases to deposits | 92.7396% | 1,362 |
| Net loans and leases to core deposits | 100.3962% | 1,658 |
| Total domestic deposits to total assets | 85.6643% | 2,688 |
| Equity capital to assets | 12.7749% | 1,349 |
| Core capital (leverage) ratio | 9.6550% | 3,903 |
| Tier 1 risk-based capital ratio | 11.1052% | 5,081 |
| Total risk-based capital ratio | 12.2563% | 5,029 |
| Memoranda: | ||
| Average total assets | $150,003,500 | 3,466 |
| Average earning assets | $137,613,500 | 3,483 |
| Average equity | $18,839,000 | 3,264 |
| Average total loans | $121,341,000 | 3,044 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 3,632 |
| Cost of funding earning assets | 0.3697% | 3,520 |
| Net interest margin | 3.5608% | 3,299 |
| Noninterest income to average assets | 0.6256% | 2,330 |
| Noninterest expense to average assets | 2.5992% | 3,446 |
| Loan and lease loss provision to assets | 0.0204% | 3,890 |
| Net operating income to assets | 0.7836% | 3,236 |
| Return on assets (ROA) | 0.7836% | 3,274 |
| Pretax return on assets | 1.2717% | 2,464 |
| Return on Equity (ROE) | 6.2219% | 3,669 |
| Retained earnings to average equity (ytd only) | 3.4650% | 3,204 |
| Net charge-offs to loans | 0.0281% | 3,252 |
| Credit loss provision to net charge-offs | 90.9091% | 2,765 |
| Earnings coverage of net charge-offs (x) | 57.5152% | 982 |
| Efficiency ratio | 66.7950% | 3,113 |
| Assets per employee ($millions) | 4.3247% | 3,447 |
| Cash dividends to net income (ytd only)* | 44.3093% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,974 |
| Loan loss allowance to noncurrent loans | 684.2857% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 4,445 |
| Noncurrent loans to loans | 0.1705% | 4,238 |
| Net loans and leases to total assets | 80.4062% | 907 |
| Net loans and leases to deposits | 97.2714% | 968 |
| Net loans and leases to core deposits | 106.2832% | 1,249 |
| Total domestic deposits to total assets | 82.6617% | 3,671 |
| Equity capital to assets | 12.3471% | 1,611 |
| Core capital (leverage) ratio | 9.6499% | 3,868 |
| Tier 1 risk-based capital ratio | 10.5062% | 5,367 |
| Total risk-based capital ratio | 11.6139% | 5,337 |
| Memoranda: | ||
| Average total assets | $146,893,400 | 3,507 |
| Average earning assets | $134,716,600 | 3,534 |
| Average equity | $18,499,200 | 3,300 |
| Average total loans | $117,506,800 | 3,093 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9186% | 3,627 |
| Cost of funding earning assets | 0.3523% | 3,642 |
| Net interest margin | 3.5663% | 3,272 |
| Noninterest income to average assets | 0.6604% | 2,160 |
| Noninterest expense to average assets | 2.5619% | 3,531 |
| Loan and lease loss provision to assets | 0.0046% | 4,029 |
| Net operating income to assets | 0.8890% | 3,079 |
| Return on assets (ROA) | 0.8890% | 3,131 |
| Pretax return on assets | 1.3619% | 2,239 |
| Return on Equity (ROE) | 7.0236% | 3,652 |
| Retained earnings to average equity (ytd only) | 5.3616% | 2,635 |
| Net charge-offs to loans | 0.0241% | 2,964 |
| Credit loss provision to net charge-offs | 23.8095% | 3,132 |
| Earnings coverage of net charge-offs (x) | 71.1411% | 881 |
| Efficiency ratio | 65.2154% | 3,339 |
| Assets per employee ($millions) | 3.7382% | 4,397 |
| Cash dividends to net income (ytd only)* | 23.6626% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,865 |
| Loan loss allowance to noncurrent loans | 560.6299% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 4,407 |
| Noncurrent loans to loans | 0.2160% | 4,198 |
| Net loans and leases to total assets | 79.6863% | 1,033 |
| Net loans and leases to deposits | 93.9858% | 1,306 |
| Net loans and leases to core deposits | 103.8659% | 1,397 |
| Total domestic deposits to total assets | 84.7854% | 2,803 |
| Equity capital to assets | 12.9188% | 1,436 |
| Core capital (leverage) ratio | 9.9813% | 3,588 |
| Tier 1 risk-based capital ratio | 11.0348% | 5,230 |
| Total risk-based capital ratio | 12.1798% | 5,175 |
| Memoranda: | ||
| Average total assets | $145,775,750 | 3,554 |
| Average earning assets | $133,580,250 | 3,582 |
| Average equity | $18,451,750 | 3,337 |
| Average total loans | $116,097,750 | 3,136 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 3,643 |
| Cost of funding earning assets | 0.3354% | 3,748 |
| Net interest margin | 3.5397% | 3,257 |
| Noninterest income to average assets | 0.6984% | 1,999 |
| Noninterest expense to average assets | 2.5753% | 3,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8918% | 2,954 |
| Return on assets (ROA) | 0.8918% | 3,014 |
| Pretax return on assets | 1.3665% | 2,146 |
| Return on Equity (ROE) | 7.0944% | 3,501 |
| Retained earnings to average equity (ytd only) | 4.5841% | 2,985 |
| Net charge-offs to loans | 0.0381% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 45.2727% | 1,157 |
| Efficiency ratio | 65.3324% | 3,458 |
| Assets per employee ($millions) | 4.1004% | 3,787 |
| Cash dividends to net income (ytd only)* | 35.3846% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,811 |
| Loan loss allowance to noncurrent loans | 712.5628% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 4,632 |
| Noncurrent loans to loans | 0.1730% | 4,427 |
| Net loans and leases to total assets | 79.1686% | 1,071 |
| Net loans and leases to deposits | 93.3744% | 1,321 |
| Net loans and leases to core deposits | 101.9581% | 1,512 |
| Total domestic deposits to total assets | 84.7862% | 2,894 |
| Equity capital to assets | 12.9047% | 1,419 |
| Core capital (leverage) ratio | 9.6643% | 3,944 |
| Tier 1 risk-based capital ratio | 11.0136% | 5,241 |
| Total risk-based capital ratio | 12.1790% | 5,195 |
| Memoranda: | ||
| Average total assets | $145,771,670 | 3,574 |
| Average earning assets | $133,572,330 | 3,600 |
| Average equity | $18,324,330 | 3,358 |
| Average total loans | $115,598,000 | 3,150 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 3,802 |
| Cost of funding earning assets | 0.3209% | 3,843 |
| Net interest margin | 3.4672% | 3,397 |
| Noninterest income to average assets | 0.7597% | 1,708 |
| Noninterest expense to average assets | 2.6058% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8686% | 2,906 |
| Return on assets (ROA) | 0.8686% | 2,960 |
| Pretax return on assets | 1.3315% | 2,130 |
| Return on Equity (ROE) | 7.0008% | 3,397 |
| Retained earnings to average equity (ytd only) | 7.0008% | 1,847 |
| Net charge-offs to loans | 0.0345% | 2,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 48.9000% | 911 |
| Efficiency ratio | 66.1826% | 3,467 |
| Assets per employee ($millions) | 4.3247% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 2,770 |
| Loan loss allowance to noncurrent loans | 665.1163% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 4,676 |
| Noncurrent loans to loans | 0.1891% | 4,448 |
| Net loans and leases to total assets | 76.3473% | 1,357 |
| Net loans and leases to deposits | 88.9358% | 1,670 |
| Net loans and leases to core deposits | 94.1834% | 1,971 |
| Total domestic deposits to total assets | 85.8453% | 2,744 |
| Equity capital to assets | 12.5109% | 1,525 |
| Core capital (leverage) ratio | 9.4234% | 4,210 |
| Tier 1 risk-based capital ratio | 10.9636% | 5,331 |
| Total risk-based capital ratio | 12.1423% | 5,290 |
| Memoranda: | ||
| Average total assets | $146,900,500 | 3,592 |
| Average earning assets | $134,634,000 | 3,614 |
| Average equity | $18,226,500 | 3,383 |
| Average total loans | $115,879,000 | 3,174 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 3,953 |
| Cost of funding earning assets | 0.3091% | 3,969 |
| Net interest margin | 3.4785% | 3,513 |
| Noninterest income to average assets | 0.5837% | 2,746 |
| Noninterest expense to average assets | 2.4537% | 4,154 |
| Loan and lease loss provision to assets | 0.0155% | 4,063 |
| Net operating income to assets | 0.8512% | 3,061 |
| Return on assets (ROA) | 0.8512% | 3,173 |
| Pretax return on assets | 1.3079% | 2,254 |
| Return on Equity (ROE) | 7.0976% | 3,418 |
| Retained earnings to average equity (ytd only) | 4.5064% | 2,694 |
| Net charge-offs to loans | 0.0152% | 3,788 |
| Credit loss provision to net charge-offs | 127.7778% | 2,095 |
| Earnings coverage of net charge-offs (x) | 108.8333% | 554 |
| Efficiency ratio | 64.9615% | 3,769 |
| Assets per employee ($millions) | 4.4473% | 3,193 |
| Cash dividends to net income (ytd only)* | 36.5079% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 3,001 |
| Loan loss allowance to noncurrent loans | 941.1765% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 4,904 |
| Noncurrent loans to loans | 0.1296% | 4,717 |
| Net loans and leases to total assets | 79.4673% | 967 |
| Net loans and leases to deposits | 92.4247% | 1,388 |
| Net loans and leases to core deposits | 101.0230% | 1,532 |
| Total domestic deposits to total assets | 85.9806% | 2,591 |
| Equity capital to assets | 12.3037% | 1,630 |
| Core capital (leverage) ratio | 9.2272% | 4,442 |
| Tier 1 risk-based capital ratio | 10.4506% | 5,592 |
| Total risk-based capital ratio | 11.6099% | 5,574 |
| Memoranda: | ||
| Average total assets | $148,022,200 | 3,553 |
| Average earning assets | $135,892,400 | 3,557 |
| Average equity | $17,752,400 | 3,444 |
| Average total loans | $118,765,200 | 3,084 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 3,888 |
| Cost of funding earning assets | 0.3052% | 4,042 |
| Net interest margin | 3.5074% | 3,441 |
| Noninterest income to average assets | 0.5627% | 2,862 |
| Noninterest expense to average assets | 2.4619% | 4,100 |
| Loan and lease loss provision to assets | 0.0099% | 4,041 |
| Net operating income to assets | 0.8413% | 3,194 |
| Return on assets (ROA) | 0.8413% | 3,307 |
| Pretax return on assets | 1.2934% | 2,449 |
| Return on Equity (ROE) | 7.0602% | 3,531 |
| Retained earnings to average equity (ytd only) | 5.3253% | 2,603 |
| Net charge-offs to loans | 0.0146% | 3,443 |
| Credit loss provision to net charge-offs | 84.6154% | 2,609 |
| Earnings coverage of net charge-offs (x) | 111.5574% | 608 |
| Efficiency ratio | 65.3855% | 3,692 |
| Assets per employee ($millions) | 4.4975% | 3,091 |
| Cash dividends to net income (ytd only)* | 24.5727% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 3,246 |
| Loan loss allowance to noncurrent loans | 320.5817% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 4,217 |
| Noncurrent loans to loans | 0.3739% | 3,927 |
| Net loans and leases to total assets | 79.5895% | 948 |
| Net loans and leases to deposits | 96.2071% | 1,031 |
| Net loans and leases to core deposits | 107.4977% | 1,079 |
| Total domestic deposits to total assets | 82.7273% | 3,698 |
| Equity capital to assets | 12.1656% | 1,999 |
| Core capital (leverage) ratio | 9.0409% | 4,788 |
| Tier 1 risk-based capital ratio | 10.2351% | 5,725 |
| Total risk-based capital ratio | 11.3731% | 5,696 |
| Memoranda: | ||
| Average total assets | $148,337,500 | 3,567 |
| Average earning assets | $135,441,750 | 3,577 |
| Average equity | $17,676,250 | 3,483 |
| Average total loans | $118,939,750 | 3,091 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 4,075 |
| Cost of funding earning assets | 0.2921% | 4,224 |
| Net interest margin | 3.4718% | 3,605 |
| Noninterest income to average assets | 0.5448% | 2,931 |
| Noninterest expense to average assets | 2.4678% | 4,128 |
| Loan and lease loss provision to assets | 0.0067% | 3,932 |
| Net operating income to assets | 0.8213% | 3,211 |
| Return on assets (ROA) | 0.8213% | 3,348 |
| Pretax return on assets | 1.2595% | 2,564 |
| Return on Equity (ROE) | 6.9403% | 3,580 |
| Retained earnings to average equity (ytd only) | 4.3192% | 3,174 |
| Net charge-offs to loans | 0.0135% | 3,273 |
| Credit loss provision to net charge-offs | 62.5000% | 2,547 |
| Earnings coverage of net charge-offs (x) | 117.3750% | 499 |
| Efficiency ratio | 66.0888% | 3,672 |
| Assets per employee ($millions) | 3.9940% | 3,912 |
| Cash dividends to net income (ytd only)* | 37.7668% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 3,322 |
| Loan loss allowance to noncurrent loans | 404.5198% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 4,537 |
| Noncurrent loans to loans | 0.2982% | 4,303 |
| Net loans and leases to total assets | 79.3631% | 1,005 |
| Net loans and leases to deposits | 93.4086% | 1,354 |
| Net loans and leases to core deposits | 104.8734% | 1,257 |
| Total domestic deposits to total assets | 84.9634% | 2,899 |
| Equity capital to assets | 12.0152% | 2,115 |
| Core capital (leverage) ratio | 8.7356% | 5,131 |
| Tier 1 risk-based capital ratio | 10.0429% | 5,843 |
| Total risk-based capital ratio | 11.1877% | 5,820 |
| Memoranda: | ||
| Average total assets | $148,310,330 | 3,584 |
| Average earning assets | $136,242,330 | 3,591 |
| Average equity | $17,549,670 | 3,508 |
| Average total loans | $118,733,330 | 3,100 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 4,291 |
| Cost of funding earning assets | 0.2787% | 4,405 |
| Net interest margin | 3.4300% | 3,763 |
| Noninterest income to average assets | 0.5438% | 2,850 |
| Noninterest expense to average assets | 2.4876% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7834% | 3,326 |
| Return on assets (ROA) | 0.7834% | 3,434 |
| Pretax return on assets | 1.2034% | 2,687 |
| Return on Equity (ROE) | 6.6718% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.6718% | 2,046 |
| Net charge-offs to loans | 0.0135% | 2,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 111.7500% | 500 |
| Efficiency ratio | 67.3961% | 3,559 |
| Assets per employee ($millions) | 3.9191% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 3,582 |
| Loan loss allowance to noncurrent loans | 365.0510% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 4,505 |
| Noncurrent loans to loans | 0.3243% | 4,273 |
| Net loans and leases to total assets | 80.2104% | 783 |
| Net loans and leases to deposits | 93.9067% | 1,152 |
| Net loans and leases to core deposits | 103.3562% | 1,233 |
| Total domestic deposits to total assets | 85.4150% | 2,947 |
| Equity capital to assets | 11.8313% | 2,133 |
| Core capital (leverage) ratio | 8.8673% | 5,002 |
| Tier 1 risk-based capital ratio | 9.7991% | 5,949 |
| Total risk-based capital ratio | 10.9233% | 5,949 |
| Memoranda: | ||
| Average total assets | $148,576,000 | 3,603 |
| Average earning assets | $136,325,500 | 3,613 |
| Average equity | $17,446,500 | 3,518 |
| Average total loans | $118,743,000 | 3,102 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 4,077 |
| Cost of funding earning assets | 0.2756% | 4,529 |
| Net interest margin | 3.5133% | 3,476 |
| Noninterest income to average assets | 0.5856% | 2,802 |
| Noninterest expense to average assets | 2.4970% | 4,235 |
| Loan and lease loss provision to assets | 0.0294% | 3,783 |
| Net operating income to assets | 0.8301% | 3,194 |
| Return on assets (ROA) | 0.8301% | 3,268 |
| Pretax return on assets | 1.2718% | 2,393 |
| Return on Equity (ROE) | 7.0882% | 3,466 |
| Retained earnings to average equity (ytd only) | 3.5792% | 3,510 |
| Net charge-offs to loans | -0.0060% | 5,009 |
| Credit loss provision to net charge-offs | -614.2857% | 5,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7411% | 3,945 |
| Assets per employee ($millions) | 4.3596% | 3,288 |
| Cash dividends to net income (ytd only)* | 49.5050% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 3,292 |
| Loan loss allowance to noncurrent loans | 658.2569% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 5,002 |
| Noncurrent loans to loans | 0.1870% | 4,738 |
| Net loans and leases to total assets | 77.6961% | 1,164 |
| Net loans and leases to deposits | 91.6758% | 1,434 |
| Net loans and leases to core deposits | 101.3500% | 1,418 |
| Total domestic deposits to total assets | 84.7509% | 3,195 |
| Equity capital to assets | 11.6532% | 2,229 |
| Core capital (leverage) ratio | 8.6628% | 5,261 |
| Tier 1 risk-based capital ratio | 9.7792% | 6,001 |
| Total risk-based capital ratio | 10.9311% | 6,002 |
| Memoranda: | ||
| Average total assets | $146,014,800 | 3,629 |
| Average earning assets | $133,520,400 | 3,641 |
| Average equity | $17,098,800 | 3,514 |
| Average total loans | $116,233,000 | 3,105 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 4,126 |
| Cost of funding earning assets | 0.2749% | 4,614 |
| Net interest margin | 3.5135% | 3,488 |
| Noninterest income to average assets | 0.5775% | 2,865 |
| Noninterest expense to average assets | 2.5023% | 4,186 |
| Loan and lease loss provision to assets | 0.0394% | 3,424 |
| Net operating income to assets | 0.8213% | 3,327 |
| Return on assets (ROA) | 0.8213% | 3,413 |
| Pretax return on assets | 1.2576% | 2,566 |
| Return on Equity (ROE) | 7.0045% | 3,612 |
| Retained earnings to average equity (ytd only) | 4.6593% | 3,155 |
| Net charge-offs to loans | -0.0069% | 4,891 |
| Credit loss provision to net charge-offs | -716.6667% | 5,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8625% | 3,912 |
| Assets per employee ($millions) | 4.3578% | 3,235 |
| Cash dividends to net income (ytd only)* | 33.4821% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 3,331 |
| Loan loss allowance to noncurrent loans | 739.1753% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 5,194 |
| Noncurrent loans to loans | 0.1700% | 4,974 |
| Net loans and leases to total assets | 78.3435% | 1,050 |
| Net loans and leases to deposits | 93.6752% | 1,240 |
| Net loans and leases to core deposits | 104.9257% | 1,171 |
| Total domestic deposits to total assets | 83.6332% | 3,557 |
| Equity capital to assets | 12.0347% | 2,078 |
| Core capital (leverage) ratio | 8.8448% | 5,187 |
| Tier 1 risk-based capital ratio | 9.9986% | 6,042 |
| Total risk-based capital ratio | 11.1771% | 6,022 |
| Memoranda: | ||
| Average total assets | $145,462,250 | 3,672 |
| Average earning assets | $133,387,750 | 3,674 |
| Average equity | $17,055,250 | 3,551 |
| Average total loans | $116,141,250 | 3,133 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7703% | 4,178 |
| Cost of funding earning assets | 0.2701% | 4,717 |
| Net interest margin | 3.5002% | 3,494 |
| Noninterest income to average assets | 0.5630% | 2,955 |
| Noninterest expense to average assets | 2.4847% | 4,289 |
| Loan and lease loss provision to assets | 0.0589% | 2,925 |
| Net operating income to assets | 0.8054% | 3,356 |
| Return on assets (ROA) | 0.8054% | 3,457 |
| Pretax return on assets | 1.2328% | 2,637 |
| Return on Equity (ROE) | 6.9293% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.9293% | 1,731 |
| Net charge-offs to loans | -0.0017% | 4,577 |
| Credit loss provision to net charge-offs | -4,300.0000% | 5,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7962% | 4,046 |
| Assets per employee ($millions) | 4.1118% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 3,531 |
| Loan loss allowance to noncurrent loans | 1,536.5591% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 5,578 |
| Noncurrent loans to loans | 0.0810% | 5,412 |
| Net loans and leases to total assets | 78.7497% | 970 |
| Net loans and leases to deposits | 92.8828% | 1,267 |
| Net loans and leases to core deposits | 104.8022% | 1,143 |
| Total domestic deposits to total assets | 84.7839% | 3,221 |
| Equity capital to assets | 11.9982% | 2,028 |
| Core capital (leverage) ratio | 8.7880% | 5,239 |
| Tier 1 risk-based capital ratio | 9.8206% | 6,138 |
| Total risk-based capital ratio | 10.9749% | 6,124 |
| Memoranda: | ||
| Average total assets | $146,013,330 | 3,691 |
| Average earning assets | $134,047,670 | 3,693 |
| Average equity | $16,971,330 | 3,570 |
| Average total loans | $116,822,000 | 3,141 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 4,006 |
| Cost of funding earning assets | 0.2662% | 4,839 |
| Net interest margin | 3.5343% | 3,285 |
| Noninterest income to average assets | 0.5413% | 3,014 |
| Noninterest expense to average assets | 2.5486% | 4,105 |
| Loan and lease loss provision to assets | 0.0762% | 2,428 |
| Net operating income to assets | 0.7616% | 3,473 |
| Return on assets (ROA) | 0.7616% | 3,612 |
| Pretax return on assets | 1.1668% | 2,801 |
| Return on Equity (ROE) | 6.6574% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.6574% | 2,162 |
| Net charge-offs to loans | -0.0102% | 4,728 |
| Credit loss provision to net charge-offs | -933.3333% | 4,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2166% | 3,954 |
| Assets per employee ($millions) | 4.4152% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 3,870 |
| Loan loss allowance to noncurrent loans | 626.5487% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 5,310 |
| Noncurrent loans to loans | 0.1941% | 5,085 |
| Net loans and leases to total assets | 78.9474% | 797 |
| Net loans and leases to deposits | 91.7230% | 1,223 |
| Net loans and leases to core deposits | 99.8880% | 1,326 |
| Total domestic deposits to total assets | 86.0716% | 2,902 |
| Equity capital to assets | 11.6580% | 2,335 |
| Core capital (leverage) ratio | 8.4663% | 5,553 |
| Tier 1 risk-based capital ratio | 9.7990% | 6,213 |
| Total risk-based capital ratio | 10.9700% | 6,196 |
| Memoranda: | ||
| Average total assets | $147,063,500 | 3,696 |
| Average earning assets | $135,246,000 | 3,698 |
| Average equity | $16,823,500 | 3,615 |
| Average total loans | $117,853,000 | 3,128 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,464 |
| Cost of funding earning assets | 0.2707% | 5,094 |
| Net interest margin | 3.5378% | 3,649 |
| Noninterest income to average assets | 0.6310% | 2,669 |
| Noninterest expense to average assets | 2.5799% | 4,293 |
| Loan and lease loss provision to assets | 0.0749% | 2,984 |
| Net operating income to assets | 0.7828% | 3,454 |
| Return on assets (ROA) | 0.7828% | 3,546 |
| Pretax return on assets | 1.1948% | 2,674 |
| Return on Equity (ROE) | 6.7635% | 3,758 |
| Retained earnings to average equity (ytd only) | 0.7193% | 5,441 |
| Net charge-offs to loans | 0.0116% | 4,671 |
| Credit loss provision to net charge-offs | 823.0769% | 332 |
| Earnings coverage of net charge-offs (x) | 139.6154% | 384 |
| Efficiency ratio | 67.0180% | 4,054 |
| Assets per employee ($millions) | 4.3654% | 3,243 |
| Cash dividends to net income (ytd only)* | 89.3655% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 4,214 |
| Loan loss allowance to noncurrent loans | 431.4642% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 5,098 |
| Noncurrent loans to loans | 0.2692% | 4,884 |
| Net loans and leases to total assets | 79.4186% | 820 |
| Net loans and leases to deposits | 94.8808% | 1,005 |
| Net loans and leases to core deposits | 104.3399% | 1,109 |
| Total domestic deposits to total assets | 83.7036% | 3,836 |
| Equity capital to assets | 11.2252% | 2,673 |
| Core capital (leverage) ratio | 8.3682% | 5,703 |
| Tier 1 risk-based capital ratio | 9.3441% | 6,373 |
| Total risk-based capital ratio | 10.4626% | 6,369 |
| Memoranda: | ||
| Average total assets | $142,952,400 | 3,742 |
| Average earning assets | $130,052,800 | 3,774 |
| Average equity | $16,544,600 | 3,598 |
| Average total loans | $111,809,200 | 3,185 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 4,438 |
| Cost of funding earning assets | 0.2730% | 5,176 |
| Net interest margin | 3.5554% | 3,605 |
| Noninterest income to average assets | 0.6460% | 2,592 |
| Noninterest expense to average assets | 2.6217% | 4,119 |
| Loan and lease loss provision to assets | 0.0556% | 3,261 |
| Net operating income to assets | 0.7835% | 3,495 |
| Return on assets (ROA) | 0.7835% | 3,604 |
| Pretax return on assets | 1.1941% | 2,799 |
| Return on Equity (ROE) | 6.7168% | 3,840 |
| Retained earnings to average equity (ytd only) | 1.8730% | 5,121 |
| Net charge-offs to loans | 0.0048% | 4,532 |
| Credit loss provision to net charge-offs | 1,475.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 331.9493% | 214 |
| Efficiency ratio | 67.7207% | 3,908 |
| Assets per employee ($millions) | 4.0873% | 3,693 |
| Cash dividends to net income (ytd only)* | 72.1151% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 4,043 |
| Loan loss allowance to noncurrent loans | 350.5208% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 4,982 |
| Noncurrent loans to loans | 0.3526% | 4,850 |
| Net loans and leases to total assets | 77.4090% | 1,040 |
| Net loans and leases to deposits | 90.1007% | 1,420 |
| Net loans and leases to core deposits | 97.2473% | 1,572 |
| Total domestic deposits to total assets | 85.9139% | 2,889 |
| Equity capital to assets | 12.0784% | 1,990 |
| Core capital (leverage) ratio | 8.5377% | 5,614 |
| Tier 1 risk-based capital ratio | 10.2827% | 6,272 |
| Total risk-based capital ratio | 11.4674% | 6,261 |
| Memoranda: | ||
| Average total assets | $141,584,250 | 3,796 |
| Average earning assets | $128,440,250 | 3,824 |
| Average equity | $16,515,500 | 3,615 |
| Average total loans | $109,946,000 | 3,237 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7969% | 4,539 |
| Cost of funding earning assets | 0.2751% | 5,234 |
| Net interest margin | 3.5219% | 3,692 |
| Noninterest income to average assets | 0.6655% | 2,460 |
| Noninterest expense to average assets | 2.5959% | 4,252 |
| Loan and lease loss provision to assets | 0.0646% | 2,975 |
| Net operating income to assets | 0.7792% | 3,429 |
| Return on assets (ROA) | 0.7792% | 3,532 |
| Pretax return on assets | 1.1863% | 2,725 |
| Return on Equity (ROE) | 6.7577% | 3,747 |
| Retained earnings to average equity (ytd only) | -0.5479% | 5,783 |
| Net charge-offs to loans | 0.0054% | 4,196 |
| Credit loss provision to net charge-offs | 1,533.3333% | 235 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 231 |
| Efficiency ratio | 67.4818% | 4,116 |
| Assets per employee ($millions) | 4.3020% | 3,275 |
| Cash dividends to net income (ytd only)* | 108.1081% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 4,266 |
| Loan loss allowance to noncurrent loans | 164.2857% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 4,211 |
| Noncurrent loans to loans | 0.7496% | 3,831 |
| Net loans and leases to total assets | 75.3673% | 1,255 |
| Net loans and leases to deposits | 87.7858% | 1,617 |
| Net loans and leases to core deposits | 94.6951% | 1,716 |
| Total domestic deposits to total assets | 85.8537% | 3,123 |
| Equity capital to assets | 11.6324% | 2,292 |
| Core capital (leverage) ratio | 8.3666% | 5,782 |
| Tier 1 risk-based capital ratio | 10.0344% | 6,388 |
| Total risk-based capital ratio | 11.2080% | 6,369 |
| Memoranda: | ||
| Average total assets | $142,456,670 | 3,809 |
| Average earning assets | $128,682,330 | 3,841 |
| Average equity | $16,425,670 | 3,632 |
| Average total loans | $110,288,330 | 3,235 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7512% | 4,660 |
| Cost of funding earning assets | 0.2750% | 5,336 |
| Net interest margin | 3.4762% | 3,797 |
| Noninterest income to average assets | 0.6587% | 2,408 |
| Noninterest expense to average assets | 2.6433% | 4,135 |
| Loan and lease loss provision to assets | 0.0589% | 2,938 |
| Net operating income to assets | 0.7288% | 3,551 |
| Return on assets (ROA) | 0.7288% | 3,631 |
| Pretax return on assets | 1.1100% | 2,858 |
| Return on Equity (ROE) | 6.3486% | 3,829 |
| Retained earnings to average equity (ytd only) | -8.3020% | 6,298 |
| Net charge-offs to loans | 0.0072% | 3,504 |
| Credit loss provision to net charge-offs | 1,050.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 208.5000% | 232 |
| Efficiency ratio | 69.3382% | 3,943 |
| Assets per employee ($millions) | 4.3163% | 3,311 |
| Cash dividends to net income (ytd only)* | 230.7692% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 4,632 |
| Loan loss allowance to noncurrent loans | 422.5806% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 5,495 |
| Noncurrent loans to loans | 0.2842% | 5,259 |
| Net loans and leases to total assets | 75.6559% | 1,044 |
| Net loans and leases to deposits | 87.1607% | 1,451 |
| Net loans and leases to core deposits | 92.2730% | 1,705 |
| Total domestic deposits to total assets | 86.8005% | 2,937 |
| Equity capital to assets | 11.3749% | 2,355 |
| Core capital (leverage) ratio | 8.0352% | 6,091 |
| Tier 1 risk-based capital ratio | 9.7229% | 6,522 |
| Total risk-based capital ratio | 10.8692% | 6,515 |
| Memoranda: | ||
| Average total assets | $142,702,000 | 3,834 |
| Average earning assets | $129,451,500 | 3,848 |
| Average equity | $16,381,500 | 3,635 |
| Average total loans | $111,267,500 | 3,238 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7971% | 4,828 |
| Cost of funding earning assets | 0.3520% | 5,113 |
| Net interest margin | 3.4451% | 4,113 |
| Noninterest income to average assets | 0.6588% | 2,761 |
| Noninterest expense to average assets | 2.4682% | 4,867 |
| Loan and lease loss provision to assets | 0.0639% | 3,854 |
| Net operating income to assets | 0.8036% | 3,275 |
| Return on assets (ROA) | 0.8036% | 3,373 |
| Pretax return on assets | 1.2252% | 2,480 |
| Return on Equity (ROE) | 6.9749% | 3,570 |
| Retained earnings to average equity (ytd only) | 3.8941% | 3,431 |
| Net charge-offs to loans | 0.0563% | 4,441 |
| Credit loss provision to net charge-offs | 152.5424% | 1,520 |
| Earnings coverage of net charge-offs (x) | 30.7797% | 1,157 |
| Efficiency ratio | 65.6905% | 4,615 |
| Assets per employee ($millions) | 4.3323% | 3,217 |
| Cash dividends to net income (ytd only)* | 44.1696% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 4,961 |
| Loan loss allowance to noncurrent loans | 490.8745% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 5,717 |
| Noncurrent loans to loans | 0.2318% | 5,492 |
| Net loans and leases to total assets | 78.4601% | 768 |
| Net loans and leases to deposits | 91.1019% | 1,148 |
| Net loans and leases to core deposits | 97.9557% | 1,302 |
| Total domestic deposits to total assets | 86.1234% | 3,188 |
| Equity capital to assets | 11.5838% | 2,111 |
| Core capital (leverage) ratio | 8.6339% | 5,493 |
| Tier 1 risk-based capital ratio | 9.7183% | 6,572 |
| Total risk-based capital ratio | 10.8140% | 6,579 |
| Memoranda: | ||
| Average total assets | $140,872,200 | 3,861 |
| Average earning assets | $126,703,000 | 3,914 |
| Average equity | $16,229,600 | 3,670 |
| Average total loans | $104,704,800 | 3,351 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 4,775 |
| Cost of funding earning assets | 0.3683% | 5,111 |
| Net interest margin | 3.4510% | 4,085 |
| Noninterest income to average assets | 0.6365% | 2,945 |
| Noninterest expense to average assets | 2.4785% | 4,792 |
| Loan and lease loss provision to assets | 0.0095% | 4,797 |
| Net operating income to assets | 0.8122% | 3,283 |
| Return on assets (ROA) | 0.8122% | 3,416 |
| Pretax return on assets | 1.2369% | 2,555 |
| Return on Equity (ROE) | 7.0601% | 3,612 |
| Retained earnings to average equity (ytd only) | 2.9314% | 4,570 |
| Net charge-offs to loans | 0.0390% | 4,366 |
| Credit loss provision to net charge-offs | 33.3333% | 3,833 |
| Earnings coverage of net charge-offs (x) | 43.7323% | 949 |
| Efficiency ratio | 66.5391% | 4,387 |
| Assets per employee ($millions) | 4.3680% | 3,102 |
| Cash dividends to net income (ytd only)* | 58.4796% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 4,942 |
| Loan loss allowance to noncurrent loans | 252.5458% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 5,324 |
| Noncurrent loans to loans | 0.4686% | 5,019 |
| Net loans and leases to total assets | 76.4630% | 944 |
| Net loans and leases to deposits | 88.9638% | 1,273 |
| Net loans and leases to core deposits | 90.1082% | 1,954 |
| Total domestic deposits to total assets | 85.9484% | 3,287 |
| Equity capital to assets | 12.0392% | 1,895 |
| Core capital (leverage) ratio | 8.4555% | 5,809 |
| Tier 1 risk-based capital ratio | 10.2238% | 6,530 |
| Total risk-based capital ratio | 11.3585% | 6,541 |
| Memoranda: | ||
| Average total assets | $140,348,500 | 3,909 |
| Average earning assets | $125,604,000 | 3,972 |
| Average equity | $16,146,750 | 3,719 |
| Average total loans | $102,515,250 | 3,413 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 4,889 |
| Cost of funding earning assets | 0.3817% | 5,115 |
| Net interest margin | 3.3991% | 4,185 |
| Noninterest income to average assets | 0.6211% | 3,071 |
| Noninterest expense to average assets | 2.4592% | 4,872 |
| Loan and lease loss provision to assets | 0.0141% | 4,606 |
| Net operating income to assets | 0.7690% | 3,471 |
| Return on assets (ROA) | 0.7690% | 3,630 |
| Pretax return on assets | 1.1705% | 2,804 |
| Return on Equity (ROE) | 6.7847% | 3,729 |
| Retained earnings to average equity (ytd only) | 0.5716% | 5,672 |
| Net charge-offs to loans | 0.0334% | 4,217 |
| Credit loss provision to net charge-offs | 58.8235% | 3,042 |
| Earnings coverage of net charge-offs (x) | 49.4706% | 809 |
| Efficiency ratio | 67.4913% | 4,264 |
| Assets per employee ($millions) | 4.0871% | 3,610 |
| Cash dividends to net income (ytd only)* | 91.5751% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 4,854 |
| Loan loss allowance to noncurrent loans | 348.0556% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2591% | 5,708 |
| Noncurrent loans to loans | 0.3519% | 5,403 |
| Net loans and leases to total assets | 72.7123% | 1,449 |
| Net loans and leases to deposits | 83.7597% | 1,830 |
| Net loans and leases to core deposits | 85.0392% | 2,431 |
| Total domestic deposits to total assets | 86.8106% | 2,933 |
| Equity capital to assets | 11.4983% | 2,297 |
| Core capital (leverage) ratio | 7.9498% | 6,218 |
| Tier 1 risk-based capital ratio | 10.1005% | 6,611 |
| Total risk-based capital ratio | 11.2654% | 6,610 |
| Memoranda: | ||
| Average total assets | $141,995,330 | 3,907 |
| Average earning assets | $126,268,330 | 3,980 |
| Average equity | $16,095,000 | 3,759 |
| Average total loans | $101,761,330 | 3,442 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 4,953 |
| Cost of funding earning assets | 0.3852% | 5,239 |
| Net interest margin | 3.3759% | 4,210 |
| Noninterest income to average assets | 0.5853% | 3,214 |
| Noninterest expense to average assets | 2.4945% | 4,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7191% | 3,598 |
| Return on assets (ROA) | 0.7191% | 3,732 |
| Pretax return on assets | 1.0954% | 2,971 |
| Return on Equity (ROE) | 6.3887% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.3887% | 2,462 |
| Net charge-offs to loans | 0.0670% | 3,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 23.1176% | 1,116 |
| Efficiency ratio | 69.4876% | 4,059 |
| Assets per employee ($millions) | 4.4622% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 4,814 |
| Loan loss allowance to noncurrent loans | 349.1573% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 5,847 |
| Noncurrent loans to loans | 0.3655% | 5,487 |
| Net loans and leases to total assets | 65.2981% | 2,496 |
| Net loans and leases to deposits | 74.4214% | 2,866 |
| Net loans and leases to core deposits | 75.6350% | 3,369 |
| Total domestic deposits to total assets | 87.7409% | 2,496 |
| Equity capital to assets | 11.0523% | 2,903 |
| Core capital (leverage) ratio | 7.9087% | 6,209 |
| Tier 1 risk-based capital ratio | 10.4669% | 6,585 |
| Total risk-based capital ratio | 11.6416% | 6,596 |
| Memoranda: | ||
| Average total assets | $143,513,000 | 3,923 |
| Average earning assets | $127,728,000 | 3,986 |
| Average equity | $16,153,500 | 3,794 |
| Average total loans | $101,495,000 | 3,472 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3554% | 4,009 |
| Cost of funding earning assets | 0.5115% | 5,137 |
| Net interest margin | 3.8439% | 3,049 |
| Noninterest income to average assets | 0.6864% | 2,791 |
| Noninterest expense to average assets | 2.6181% | 4,680 |
| Loan and lease loss provision to assets | 0.0704% | 4,860 |
| Net operating income to assets | 0.9392% | 2,606 |
| Return on assets (ROA) | 0.9392% | 2,854 |
| Pretax return on assets | 1.4291% | 1,939 |
| Return on Equity (ROE) | 8.0111% | 3,073 |
| Retained earnings to average equity (ytd only) | 2.3205% | 4,604 |
| Net charge-offs to loans | 0.0470% | 5,259 |
| Credit loss provision to net charge-offs | 202.1277% | 1,278 |
| Earnings coverage of net charge-offs (x) | 43.0426% | 753 |
| Efficiency ratio | 63.5824% | 4,969 |
| Assets per employee ($millions) | 4.2355% | 3,482 |
| Cash dividends to net income (ytd only)* | 71.0339% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 5,142 |
| Loan loss allowance to noncurrent loans | 249.0119% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 5,601 |
| Noncurrent loans to loans | 0.4792% | 5,324 |
| Net loans and leases to total assets | 74.6451% | 1,107 |
| Net loans and leases to deposits | 85.5350% | 1,574 |
| Net loans and leases to core deposits | 86.7858% | 2,213 |
| Total domestic deposits to total assets | 87.2686% | 2,663 |
| Equity capital to assets | 11.4701% | 2,475 |
| Core capital (leverage) ratio | 8.2360% | 5,957 |
| Tier 1 risk-based capital ratio | 9.7589% | 6,755 |
| Total risk-based capital ratio | 10.8955% | 6,763 |
| Memoranda: | ||
| Average total assets | $134,905,400 | 4,045 |
| Average earning assets | $120,424,600 | 4,100 |
| Average equity | $15,815,600 | 3,805 |
| Average total loans | $100,102,400 | 3,522 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 3,942 |
| Cost of funding earning assets | 0.5399% | 5,168 |
| Net interest margin | 3.8861% | 2,964 |
| Noninterest income to average assets | 0.7051% | 2,693 |
| Noninterest expense to average assets | 2.6469% | 4,580 |
| Loan and lease loss provision to assets | 0.0558% | 5,039 |
| Net operating income to assets | 0.9704% | 2,658 |
| Return on assets (ROA) | 0.9704% | 2,875 |
| Pretax return on assets | 1.4770% | 1,973 |
| Return on Equity (ROE) | 8.2308% | 3,174 |
| Retained earnings to average equity (ytd only) | 0.6175% | 5,908 |
| Net charge-offs to loans | 0.0513% | 4,939 |
| Credit loss provision to net charge-offs | 147.3684% | 1,926 |
| Earnings coverage of net charge-offs (x) | 40.4437% | 879 |
| Efficiency ratio | 63.3262% | 4,920 |
| Assets per employee ($millions) | 4.2789% | 3,321 |
| Cash dividends to net income (ytd only)* | 92.4975% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 5,195 |
| Loan loss allowance to noncurrent loans | 452.2059% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 6,159 |
| Noncurrent loans to loans | 0.2697% | 5,946 |
| Net loans and leases to total assets | 75.1052% | 1,102 |
| Net loans and leases to deposits | 86.6959% | 1,518 |
| Net loans and leases to core deposits | 88.0397% | 2,208 |
| Total domestic deposits to total assets | 86.6306% | 2,897 |
| Equity capital to assets | 11.8805% | 2,368 |
| Core capital (leverage) ratio | 8.2866% | 6,032 |
| Tier 1 risk-based capital ratio | 9.9648% | 6,804 |
| Total risk-based capital ratio | 11.1293% | 6,809 |
| Memoranda: | ||
| Average total assets | $133,688,750 | 4,101 |
| Average earning assets | $119,535,500 | 4,163 |
| Average equity | $15,761,500 | 3,852 |
| Average total loans | $98,729,750 | 3,597 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 3,991 |
| Cost of funding earning assets | 0.5708% | 5,140 |
| Net interest margin | 3.8764% | 3,013 |
| Noninterest income to average assets | 0.7028% | 2,655 |
| Noninterest expense to average assets | 2.6396% | 4,651 |
| Loan and lease loss provision to assets | 0.0269% | 5,331 |
| Net operating income to assets | 0.9744% | 2,572 |
| Return on assets (ROA) | 0.9744% | 2,809 |
| Pretax return on assets | 1.4817% | 1,915 |
| Return on Equity (ROE) | 8.2856% | 3,122 |
| Retained earnings to average equity (ytd only) | 3.2102% | 4,480 |
| Net charge-offs to loans | 0.0265% | 5,010 |
| Credit loss provision to net charge-offs | 138.4615% | 1,993 |
| Earnings coverage of net charge-offs (x) | 77.7692% | 525 |
| Efficiency ratio | 63.6331% | 4,959 |
| Assets per employee ($millions) | 3.9001% | 4,071 |
| Cash dividends to net income (ytd only)* | 61.2557% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 5,050 |
| Loan loss allowance to noncurrent loans | 375.6173% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 6,158 |
| Noncurrent loans to loans | 0.3372% | 5,871 |
| Net loans and leases to total assets | 71.5446% | 1,638 |
| Net loans and leases to deposits | 82.3583% | 2,070 |
| Net loans and leases to core deposits | 83.6354% | 2,740 |
| Total domestic deposits to total assets | 86.8699% | 2,849 |
| Equity capital to assets | 12.0200% | 2,131 |
| Core capital (leverage) ratio | 8.3906% | 5,803 |
| Tier 1 risk-based capital ratio | 10.6136% | 6,658 |
| Total risk-based capital ratio | 11.8202% | 6,657 |
| Memoranda: | ||
| Average total assets | $134,036,330 | 4,116 |
| Average earning assets | $119,132,000 | 4,196 |
| Average equity | $15,762,330 | 3,841 |
| Average total loans | $98,021,670 | 3,621 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4862% | 3,979 |
| Cost of funding earning assets | 0.5971% | 5,160 |
| Net interest margin | 3.8892% | 2,971 |
| Noninterest income to average assets | 0.5937% | 3,272 |
| Noninterest expense to average assets | 2.6122% | 4,775 |
| Loan and lease loss provision to assets | 0.0237% | 5,047 |
| Net operating income to assets | 0.9321% | 2,780 |
| Return on assets (ROA) | 0.9321% | 2,984 |
| Pretax return on assets | 1.4189% | 2,127 |
| Return on Equity (ROE) | 8.0133% | 3,276 |
| Retained earnings to average equity (ytd only) | -2.1947% | 6,306 |
| Net charge-offs to loans | 0.0202% | 4,405 |
| Credit loss provision to net charge-offs | 160.0000% | 1,582 |
| Earnings coverage of net charge-offs (x) | 97.2000% | 355 |
| Efficiency ratio | 64.4217% | 4,849 |
| Assets per employee ($millions) | 4.2443% | 3,500 |
| Cash dividends to net income (ytd only)* | 127.3885% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 5,322 |
| Loan loss allowance to noncurrent loans | 421.8750% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 6,357 |
| Noncurrent loans to loans | 0.2938% | 6,087 |
| Net loans and leases to total assets | 71.2846% | 1,520 |
| Net loans and leases to deposits | 81.2757% | 2,023 |
| Net loans and leases to core deposits | 82.3079% | 2,783 |
| Total domestic deposits to total assets | 87.7072% | 2,519 |
| Equity capital to assets | 11.5102% | 2,434 |
| Core capital (leverage) ratio | 8.0070% | 6,252 |
| Tier 1 risk-based capital ratio | 10.3064% | 6,792 |
| Total risk-based capital ratio | 11.5144% | 6,808 |
| Memoranda: | ||
| Average total assets | $134,752,500 | 4,132 |
| Average earning assets | $119,922,500 | 4,199 |
| Average equity | $15,674,000 | 3,864 |
| Average total loans | $98,988,500 | 3,626 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 4,153 |
| Cost of funding earning assets | 0.7554% | 5,170 |
| Net interest margin | 3.9678% | 3,031 |
| Noninterest income to average assets | 0.7344% | 2,421 |
| Noninterest expense to average assets | 2.8115% | 4,304 |
| Loan and lease loss provision to assets | 0.0389% | 6,083 |
| Net operating income to assets | 0.9203% | 2,522 |
| Return on assets (ROA) | 0.9203% | 2,637 |
| Pretax return on assets | 1.3941% | 1,803 |
| Return on Equity (ROE) | 7.5333% | 3,132 |
| Retained earnings to average equity (ytd only) | 1.1653% | 5,310 |
| Net charge-offs to loans | 0.0162% | 6,210 |
| Credit loss provision to net charge-offs | 333.3333% | 700 |
| Earnings coverage of net charge-offs (x) | 122.8000% | 267 |
| Efficiency ratio | 66.2390% | 4,722 |
| Assets per employee ($millions) | 4.1777% | 3,501 |
| Cash dividends to net income (ytd only)* | 84.5309% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 5,331 |
| Loan loss allowance to noncurrent loans | 415.0685% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 6,416 |
| Noncurrent loans to loans | 0.2922% | 6,139 |
| Net loans and leases to total assets | 73.8537% | 1,297 |
| Net loans and leases to deposits | 86.8233% | 1,560 |
| Net loans and leases to core deposits | 88.6315% | 2,303 |
| Total domestic deposits to total assets | 85.0620% | 3,810 |
| Equity capital to assets | 11.7552% | 2,303 |
| Core capital (leverage) ratio | 8.3929% | 5,724 |
| Tier 1 risk-based capital ratio | 10.2288% | 6,788 |
| Total risk-based capital ratio | 11.4149% | 6,795 |
| Memoranda: | ||
| Average total assets | $128,544,600 | 4,204 |
| Average earning assets | $113,716,200 | 4,289 |
| Average equity | $15,703,600 | 3,771 |
| Average total loans | $92,567,200 | 3,797 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 4,044 |
| Cost of funding earning assets | 0.7917% | 5,197 |
| Net interest margin | 4.0016% | 2,908 |
| Noninterest income to average assets | 0.7460% | 2,337 |
| Noninterest expense to average assets | 2.8518% | 4,138 |
| Loan and lease loss provision to assets | 0.0241% | 6,150 |
| Net operating income to assets | 0.9199% | 2,673 |
| Return on assets (ROA) | 0.9199% | 2,808 |
| Pretax return on assets | 1.3914% | 1,963 |
| Return on Equity (ROE) | 7.4559% | 3,295 |
| Retained earnings to average equity (ytd only) | 3.4223% | 4,300 |
| Net charge-offs to loans | 0.0235% | 5,820 |
| Credit loss provision to net charge-offs | 143.7500% | 2,210 |
| Earnings coverage of net charge-offs (x) | 84.4487% | 420 |
| Efficiency ratio | 66.8303% | 4,558 |
| Assets per employee ($millions) | 3.8841% | 4,111 |
| Cash dividends to net income (ytd only)* | 54.1003% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 5,260 |
| Loan loss allowance to noncurrent loans | 566.5072% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 6,645 |
| Noncurrent loans to loans | 0.2202% | 6,436 |
| Net loans and leases to total assets | 73.1334% | 1,483 |
| Net loans and leases to deposits | 84.9068% | 1,855 |
| Net loans and leases to core deposits | 86.5165% | 2,706 |
| Total domestic deposits to total assets | 86.1337% | 3,147 |
| Equity capital to assets | 12.4666% | 1,934 |
| Core capital (leverage) ratio | 8.6437% | 5,487 |
| Tier 1 risk-based capital ratio | 10.9710% | 6,556 |
| Total risk-based capital ratio | 12.1881% | 6,554 |
| Memoranda: | ||
| Average total assets | $127,259,250 | 4,250 |
| Average earning assets | $111,986,000 | 4,361 |
| Average equity | $15,700,750 | 3,788 |
| Average total loans | $90,723,000 | 3,874 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 3,876 |
| Cost of funding earning assets | 0.8085% | 5,313 |
| Net interest margin | 4.0388% | 2,654 |
| Noninterest income to average assets | 0.7546% | 2,239 |
| Noninterest expense to average assets | 2.8798% | 4,102 |
| Loan and lease loss provision to assets | 0.0236% | 5,998 |
| Net operating income to assets | 0.9153% | 2,569 |
| Return on assets (ROA) | 0.9153% | 2,671 |
| Pretax return on assets | 1.3847% | 1,840 |
| Return on Equity (ROE) | 7.4449% | 3,220 |
| Retained earnings to average equity (ytd only) | 1.3583% | 5,313 |
| Net charge-offs to loans | 0.0425% | 5,262 |
| Credit loss provision to net charge-offs | 78.9474% | 3,804 |
| Earnings coverage of net charge-offs (x) | 47.0526% | 655 |
| Efficiency ratio | 67.1565% | 4,670 |
| Assets per employee ($millions) | 3.7799% | 4,252 |
| Cash dividends to net income (ytd only)* | 81.7556% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 5,070 |
| Loan loss allowance to noncurrent loans | 1,332.9545% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 6,928 |
| Noncurrent loans to loans | 0.0974% | 6,729 |
| Net loans and leases to total assets | 69.3929% | 2,344 |
| Net loans and leases to deposits | 79.9887% | 2,800 |
| Net loans and leases to core deposits | 81.4840% | 3,583 |
| Total domestic deposits to total assets | 86.7534% | 2,887 |
| Equity capital to assets | 12.2273% | 1,950 |
| Core capital (leverage) ratio | 8.5518% | 5,471 |
| Tier 1 risk-based capital ratio | 11.0476% | 6,490 |
| Total risk-based capital ratio | 12.2966% | 6,475 |
| Memoranda: | ||
| Average total assets | $126,954,330 | 4,284 |
| Average earning assets | $111,073,330 | 4,409 |
| Average equity | $15,608,000 | 3,800 |
| Average total loans | $89,323,330 | 3,957 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 3,872 |
| Cost of funding earning assets | 0.8209% | 5,459 |
| Net interest margin | 4.0183% | 2,612 |
| Noninterest income to average assets | 0.7545% | 2,242 |
| Noninterest expense to average assets | 2.9642% | 3,796 |
| Loan and lease loss provision to assets | 0.0476% | 5,408 |
| Net operating income to assets | 0.8465% | 2,793 |
| Return on assets (ROA) | 0.8465% | 2,853 |
| Pretax return on assets | 1.2808% | 2,098 |
| Return on Equity (ROE) | 6.8660% | 3,457 |
| Retained earnings to average equity (ytd only) | 1.0800% | 5,395 |
| Net charge-offs to loans | 0.0045% | 5,064 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 419.0000% | 64 |
| Efficiency ratio | 69.0547% | 4,464 |
| Assets per employee ($millions) | 3.6944% | 4,554 |
| Cash dividends to net income (ytd only)* | 84.2697% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 4,962 |
| Loan loss allowance to noncurrent loans | 804.7297% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 6,872 |
| Noncurrent loans to loans | 0.1660% | 6,642 |
| Net loans and leases to total assets | 70.0165% | 2,126 |
| Net loans and leases to deposits | 80.8745% | 2,548 |
| Net loans and leases to core deposits | 82.4199% | 3,393 |
| Total domestic deposits to total assets | 86.5742% | 3,196 |
| Equity capital to assets | 12.3861% | 1,690 |
| Core capital (leverage) ratio | 8.4455% | 5,552 |
| Tier 1 risk-based capital ratio | 11.1657% | 6,383 |
| Total risk-based capital ratio | 12.4165% | 6,350 |
| Memoranda: | ||
| Average total assets | $126,173,500 | 4,331 |
| Average earning assets | $111,091,500 | 4,435 |
| Average equity | $15,555,000 | 3,803 |
| Average total loans | $88,808,000 | 4,004 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0336% | 4,396 |
| Cost of funding earning assets | 0.9756% | 5,809 |
| Net interest margin | 4.0580% | 2,763 |
| Noninterest income to average assets | 0.9095% | 1,822 |
| Noninterest expense to average assets | 3.0301% | 3,729 |
| Loan and lease loss provision to assets | 0.0900% | 6,240 |
| Net operating income to assets | 0.8858% | 2,445 |
| Return on assets (ROA) | 0.8858% | 2,581 |
| Pretax return on assets | 1.3295% | 1,860 |
| Return on Equity (ROE) | 7.3415% | 2,953 |
| Retained earnings to average equity (ytd only) | 2.8267% | 3,871 |
| Net charge-offs to loans | 0.0443% | 6,364 |
| Credit loss provision to net charge-offs | 292.3077% | 924 |
| Earnings coverage of net charge-offs (x) | 46.1026% | 504 |
| Efficiency ratio | 68.0979% | 4,544 |
| Assets per employee ($millions) | 3.5205% | 4,888 |
| Cash dividends to net income (ytd only)* | 61.4973% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 4,849 |
| Loan loss allowance to noncurrent loans | 898.4733% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 6,974 |
| Noncurrent loans to loans | 0.1481% | 6,776 |
| Net loans and leases to total assets | 68.8831% | 2,773 |
| Net loans and leases to deposits | 82.2113% | 2,762 |
| Net loans and leases to core deposits | 83.4187% | 3,682 |
| Total domestic deposits to total assets | 83.7878% | 4,460 |
| Equity capital to assets | 12.2710% | 1,757 |
| Core capital (leverage) ratio | 8.5002% | 5,367 |
| Tier 1 risk-based capital ratio | 11.1778% | 6,195 |
| Total risk-based capital ratio | 12.4275% | 6,173 |
| Memoranda: | ||
| Average total assets | $126,663,200 | 4,340 |
| Average earning assets | $110,496,600 | 4,454 |
| Average equity | $15,283,000 | 3,889 |
| Average total loans | $88,084,000 | 4,103 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 4,791 |
| Cost of funding earning assets | 1.0064% | 5,909 |
| Net interest margin | 3.9989% | 3,109 |
| Noninterest income to average assets | 0.9370% | 1,659 |
| Noninterest expense to average assets | 3.0289% | 3,649 |
| Loan and lease loss provision to assets | 0.0884% | 6,161 |
| Net operating income to assets | 0.8675% | 2,753 |
| Return on assets (ROA) | 0.8675% | 2,881 |
| Pretax return on assets | 1.3002% | 2,168 |
| Return on Equity (ROE) | 7.2204% | 3,245 |
| Retained earnings to average equity (ytd only) | 1.1742% | 5,347 |
| Net charge-offs to loans | 0.1728% | 4,930 |
| Credit loss provision to net charge-offs | 73.6842% | 5,321 |
| Earnings coverage of net charge-offs (x) | 11.5699% | 1,780 |
| Efficiency ratio | 68.5653% | 4,359 |
| Assets per employee ($millions) | 3.4284% | 5,142 |
| Cash dividends to net income (ytd only)* | 83.7381% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 5,484 |
| Loan loss allowance to noncurrent loans | 101.7078% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 5,434 |
| Noncurrent loans to loans | 1.1815% | 4,879 |
| Net loans and leases to total assets | 69.4826% | 2,856 |
| Net loans and leases to deposits | 81.8708% | 3,132 |
| Net loans and leases to core deposits | 82.9097% | 4,100 |
| Total domestic deposits to total assets | 84.8686% | 3,683 |
| Equity capital to assets | 12.0829% | 2,103 |
| Core capital (leverage) ratio | 8.2783% | 5,913 |
| Tier 1 risk-based capital ratio | 10.7295% | 6,613 |
| Total risk-based capital ratio | 11.8830% | 6,672 |
| Memoranda: | ||
| Average total assets | $126,644,500 | 4,401 |
| Average earning assets | $110,226,500 | 4,523 |
| Average equity | $15,215,750 | 3,949 |
| Average total loans | $87,985,500 | 4,169 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0140% | 4,882 |
| Cost of funding earning assets | 1.0447% | 5,942 |
| Net interest margin | 3.9693% | 3,166 |
| Noninterest income to average assets | 0.9354% | 1,563 |
| Noninterest expense to average assets | 3.0337% | 3,580 |
| Loan and lease loss provision to assets | 0.0774% | 6,168 |
| Net operating income to assets | 0.8438% | 2,754 |
| Return on assets (ROA) | 0.8438% | 2,911 |
| Pretax return on assets | 1.2641% | 2,207 |
| Return on Equity (ROE) | 7.0362% | 3,281 |
| Retained earnings to average equity (ytd only) | 1.8974% | 4,921 |
| Net charge-offs to loans | 0.2329% | 4,208 |
| Credit loss provision to net charge-offs | 48.0392% | 5,458 |
| Earnings coverage of net charge-offs (x) | 8.3235% | 2,152 |
| Efficiency ratio | 69.3391% | 4,309 |
| Assets per employee ($millions) | 3.4245% | 5,108 |
| Cash dividends to net income (ytd only)* | 73.0337% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 5,364 |
| Loan loss allowance to noncurrent loans | 113.7744% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 5,674 |
| Noncurrent loans to loans | 1.0699% | 5,173 |
| Net loans and leases to total assets | 67.1826% | 3,576 |
| Net loans and leases to deposits | 80.5307% | 3,515 |
| Net loans and leases to core deposits | 81.4734% | 4,495 |
| Total domestic deposits to total assets | 83.4248% | 4,381 |
| Equity capital to assets | 12.0577% | 2,066 |
| Core capital (leverage) ratio | 8.2942% | 5,782 |
| Tier 1 risk-based capital ratio | 10.7573% | 6,479 |
| Total risk-based capital ratio | 11.8880% | 6,577 |
| Memoranda: | ||
| Average total assets | $126,576,330 | 4,435 |
| Average earning assets | $109,692,000 | 4,565 |
| Average equity | $15,178,670 | 3,958 |
| Average total loans | $87,577,330 | 4,211 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9706% | 5,155 |
| Cost of funding earning assets | 1.0787% | 6,003 |
| Net interest margin | 3.8919% | 3,366 |
| Noninterest income to average assets | 0.8505% | 1,810 |
| Noninterest expense to average assets | 3.0416% | 3,514 |
| Loan and lease loss provision to assets | 0.0032% | 6,543 |
| Net operating income to assets | 0.7904% | 3,013 |
| Return on assets (ROA) | 0.7904% | 3,125 |
| Pretax return on assets | 1.1825% | 2,428 |
| Return on Equity (ROE) | 6.6098% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.6098% | 2,314 |
| Net charge-offs to loans | 0.3670% | 2,945 |
| Credit loss provision to net charge-offs | 1.2346% | 5,115 |
| Earnings coverage of net charge-offs (x) | 4.6296% | 2,586 |
| Efficiency ratio | 71.9521% | 3,940 |
| Assets per employee ($millions) | 3.3109% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 5,504 |
| Loan loss allowance to noncurrent loans | 67.4142% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.2050% | 4,763 |
| Noncurrent loans to loans | 1.7791% | 4,084 |
| Net loans and leases to total assets | 66.9154% | 3,652 |
| Net loans and leases to deposits | 78.6497% | 3,911 |
| Net loans and leases to core deposits | 79.5482% | 4,822 |
| Total domestic deposits to total assets | 85.0804% | 3,632 |
| Equity capital to assets | 12.1242% | 1,968 |
| Core capital (leverage) ratio | 8.3379% | 5,672 |
| Tier 1 risk-based capital ratio | 11.2708% | 5,876 |
| Total risk-based capital ratio | 12.4130% | 5,960 |
| Memoranda: | ||
| Average total assets | $126,511,000 | 4,490 |
| Average earning assets | $109,765,500 | 4,620 |
| Average equity | $15,129,000 | 3,992 |
| Average total loans | $88,279,000 | 4,247 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6723% | 3,240 |
| Cost of funding earning assets | 1.5268% | 5,391 |
| Net interest margin | 4.1456% | 2,265 |
| Noninterest income to average assets | 0.9486% | 1,755 |
| Noninterest expense to average assets | 3.0166% | 4,088 |
| Loan and lease loss provision to assets | 0.5612% | 3,566 |
| Net operating income to assets | 0.6956% | 2,949 |
| Return on assets (ROA) | 0.7068% | 2,972 |
| Pretax return on assets | 1.0449% | 2,435 |
| Return on Equity (ROE) | 5.9721% | 3,221 |
| Retained earnings to average equity (ytd only) | -0.6415% | 5,151 |
| Net charge-offs to loans | 0.7162% | 3,040 |
| Credit loss provision to net charge-offs | 109.6330% | 5,022 |
| Earnings coverage of net charge-offs (x) | 3.1055% | 3,509 |
| Efficiency ratio | 65.4885% | 5,489 |
| Assets per employee ($millions) | 3.2617% | 5,585 |
| Cash dividends to net income (ytd only)* | 110.7420% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 5,318 |
| Loan loss allowance to noncurrent loans | 78.7706% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0998% | 4,894 |
| Noncurrent loans to loans | 1.5315% | 4,354 |
| Net loans and leases to total assets | 70.9429% | 3,023 |
| Net loans and leases to deposits | 84.5426% | 3,172 |
| Net loans and leases to core deposits | 94.0493% | 4,668 |
| Total domestic deposits to total assets | 83.9137% | 4,063 |
| Equity capital to assets | 11.7949% | 2,144 |
| Core capital (leverage) ratio | 8.1679% | 5,871 |
| Tier 1 risk-based capital ratio | 10.1739% | 6,711 |
| Total risk-based capital ratio | 11.3137% | 6,782 |
| Memoranda: | ||
| Average total assets | $127,761,200 | 4,385 |
| Average earning assets | $112,722,800 | 4,487 |
| Average equity | $15,120,200 | 4,042 |
| Average total loans | $91,311,200 | 4,178 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6304% | 3,687 |
| Cost of funding earning assets | 1.6341% | 5,233 |
| Net interest margin | 3.9964% | 2,842 |
| Noninterest income to average assets | 0.9580% | 1,746 |
| Noninterest expense to average assets | 3.0982% | 3,655 |
| Loan and lease loss provision to assets | 0.4222% | 3,795 |
| Net operating income to assets | 0.6651% | 3,333 |
| Return on assets (ROA) | 0.6651% | 3,399 |
| Pretax return on assets | 0.9789% | 2,965 |
| Return on Equity (ROE) | 5.6151% | 3,687 |
| Retained earnings to average equity (ytd only) | 1.2146% | 4,645 |
| Net charge-offs to loans | 0.7097% | 2,572 |
| Credit loss provision to net charge-offs | 83.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | 2.7655% | 3,848 |
| Efficiency ratio | 68.8601% | 4,815 |
| Assets per employee ($millions) | 3.3954% | 5,173 |
| Cash dividends to net income (ytd only)* | 78.3695% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 5,871 |
| Loan loss allowance to noncurrent loans | 72.6308% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.0499% | 4,977 |
| Noncurrent loans to loans | 1.4787% | 4,457 |
| Net loans and leases to total assets | 70.2388% | 3,453 |
| Net loans and leases to deposits | 84.6120% | 3,552 |
| Net loans and leases to core deposits | 94.6568% | 4,963 |
| Total domestic deposits to total assets | 83.0128% | 4,214 |
| Equity capital to assets | 12.1715% | 2,145 |
| Core capital (leverage) ratio | 8.3829% | 5,687 |
| Tier 1 risk-based capital ratio | 10.6276% | 6,318 |
| Total risk-based capital ratio | 11.6385% | 6,522 |
| Memoranda: | ||
| Average total assets | $127,899,500 | 4,410 |
| Average earning assets | $113,333,750 | 4,503 |
| Average equity | $15,149,250 | 4,072 |
| Average total loans | $91,302,250 | 4,213 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5561% | 4,308 |
| Cost of funding earning assets | 1.7316% | 5,115 |
| Net interest margin | 3.8245% | 3,441 |
| Noninterest income to average assets | 0.9389% | 1,802 |
| Noninterest expense to average assets | 3.1541% | 3,488 |
| Loan and lease loss provision to assets | 0.3467% | 3,845 |
| Net operating income to assets | 0.5798% | 3,770 |
| Return on assets (ROA) | 0.5798% | 3,876 |
| Pretax return on assets | 0.8441% | 3,524 |
| Return on Equity (ROE) | 4.9397% | 4,105 |
| Retained earnings to average equity (ytd only) | -1.6819% | 5,667 |
| Net charge-offs to loans | 0.7021% | 2,298 |
| Credit loss provision to net charge-offs | 69.0402% | 5,434 |
| Earnings coverage of net charge-offs (x) | 2.3715% | 3,879 |
| Efficiency ratio | 72.5939% | 4,281 |
| Assets per employee ($millions) | 3.1011% | 5,864 |
| Cash dividends to net income (ytd only)* | 134.0483% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 5,895 |
| Loan loss allowance to noncurrent loans | 55.9595% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3198% | 4,308 |
| Noncurrent loans to loans | 1.8803% | 3,690 |
| Net loans and leases to total assets | 69.4520% | 3,832 |
| Net loans and leases to deposits | 82.9223% | 4,055 |
| Net loans and leases to core deposits | 93.6336% | 5,160 |
| Total domestic deposits to total assets | 83.7554% | 3,893 |
| Equity capital to assets | 11.7835% | 2,334 |
| Core capital (leverage) ratio | 7.9703% | 6,385 |
| Tier 1 risk-based capital ratio | 10.2088% | 6,701 |
| Total risk-based capital ratio | 11.1863% | 6,925 |
| Memoranda: | ||
| Average total assets | $128,656,000 | 4,421 |
| Average earning assets | $114,577,000 | 4,501 |
| Average equity | $15,102,000 | 4,099 |
| Average total loans | $92,003,330 | 4,231 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 5,241 |
| Cost of funding earning assets | 1.8323% | 4,962 |
| Net interest margin | 3.6050% | 4,298 |
| Noninterest income to average assets | 0.9149% | 1,793 |
| Noninterest expense to average assets | 3.0013% | 3,761 |
| Loan and lease loss provision to assets | 0.2287% | 4,157 |
| Net operating income to assets | 0.5965% | 4,031 |
| Return on assets (ROA) | 0.5965% | 4,224 |
| Pretax return on assets | 0.8655% | 3,843 |
| Return on Equity (ROE) | 5.0917% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.0917% | 3,067 |
| Net charge-offs to loans | 0.6725% | 1,836 |
| Credit loss provision to net charge-offs | 47.1338% | 4,726 |
| Earnings coverage of net charge-offs (x) | 2.2548% | 3,608 |
| Efficiency ratio | 73.2830% | 3,952 |
| Assets per employee ($millions) | 3.1906% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 5,854 |
| Loan loss allowance to noncurrent loans | 33.7690% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 2.1641% | 2,648 |
| Noncurrent loans to loans | 3.0877% | 2,095 |
| Net loans and leases to total assets | 69.3573% | 3,830 |
| Net loans and leases to deposits | 80.3445% | 4,560 |
| Net loans and leases to core deposits | 89.5673% | 5,597 |
| Total domestic deposits to total assets | 86.3249% | 2,538 |
| Equity capital to assets | 11.6776% | 2,463 |
| Core capital (leverage) ratio | 8.2091% | 6,079 |
| Tier 1 risk-based capital ratio | 10.2849% | 6,606 |
| Total risk-based capital ratio | 11.2559% | 6,819 |
| Memoranda: | ||
| Average total assets | $129,412,000 | 4,419 |
| Average earning assets | $114,175,500 | 4,527 |
| Average equity | $15,162,000 | 4,114 |
| Average total loans | $93,383,500 | 4,226 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3083% | 3,922 |
| Cost of funding earning assets | 2.4801% | 4,316 |
| Net interest margin | 3.8282% | 3,900 |
| Noninterest income to average assets | 1.0750% | 1,363 |
| Noninterest expense to average assets | 3.1818% | 3,405 |
| Loan and lease loss provision to assets | 0.4648% | 2,975 |
| Net operating income to assets | 0.5827% | 4,383 |
| Return on assets (ROA) | 0.5827% | 4,248 |
| Pretax return on assets | 0.8139% | 4,017 |
| Return on Equity (ROE) | 4.9251% | 4,422 |
| Retained earnings to average equity (ytd only) | 1.6018% | 4,254 |
| Net charge-offs to loans | 0.6607% | 1,879 |
| Credit loss provision to net charge-offs | 91.7702% | 5,637 |
| Earnings coverage of net charge-offs (x) | 2.5248% | 4,813 |
| Efficiency ratio | 71.3329% | 4,062 |
| Assets per employee ($millions) | 3.0479% | 5,933 |
| Cash dividends to net income (ytd only)* | 67.4764% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 5,332 |
| Loan loss allowance to noncurrent loans | 47.5951% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 1.7053% | 2,856 |
| Noncurrent loans to loans | 2.2959% | 2,412 |
| Net loans and leases to total assets | 73.4654% | 3,243 |
| Net loans and leases to deposits | 86.9464% | 3,958 |
| Net loans and leases to core deposits | 96.4603% | 5,217 |
| Total domestic deposits to total assets | 84.4950% | 3,081 |
| Equity capital to assets | 11.7553% | 2,466 |
| Core capital (leverage) ratio | 8.1849% | 6,191 |
| Tier 1 risk-based capital ratio | 9.8024% | 6,954 |
| Total risk-based capital ratio | 10.8276% | 7,123 |
| Memoranda: | ||
| Average total assets | $127,162,200 | 4,344 |
| Average earning assets | $112,455,200 | 4,460 |
| Average equity | $15,045,400 | 4,134 |
| Average total loans | $97,476,600 | 4,017 |