Home > 1st Equity Bank > Performance and Condition Ratios
1st Equity Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9443% | 238 |
| Cost of funding earning assets | 2.5579% | 327 |
| Net interest margin | 4.3864% | 714 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 3.1505% | 879 |
| Loan and lease loss provision to assets | -0.1100% | 4,523 |
| Net operating income to assets | 1.5223% | 975 |
| Return on assets (ROA) | 1.5223% | 945 |
| Pretax return on assets | 1.5055% | 1,404 |
| Return on Equity (ROE) | 8.9600% | 2,768 |
| Retained earnings to average equity (ytd only) | 8.9551% | 1,268 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.3788% | 1,973 |
| Assets per employee ($millions) | 9.8319% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 885 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 72.6900% | 1,504 |
| Net loans and leases to deposits | 93.2766% | 994 |
| Net loans and leases to core deposits | 97.5556% | 1,564 |
| Total domestic deposits to total assets | 77.9300% | 3,737 |
| Equity capital to assets | 16.3502% | 433 |
| Core capital (leverage) ratio | 15.7077% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9000% | 485 |
| Memoranda: | ||
| Average total assets | $130,457,200 | 3,550 |
| Average earning assets | $119,278,400 | 3,555 |
| Average equity | $22,177,200 | 2,677 |
| Average total loans | $97,235,000 | 3,210 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8398% | 223 |
| Cost of funding earning assets | 2.3491% | 363 |
| Net interest margin | 4.4907% | 624 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.6774% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8436% | 604 |
| Return on assets (ROA) | 1.8436% | 595 |
| Pretax return on assets | 1.8497% | 926 |
| Return on Equity (ROE) | 10.7400% | 2,437 |
| Retained earnings to average equity (ytd only) | 10.7449% | 1,203 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.1420% | 3,074 |
| Assets per employee ($millions) | 9.6815% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7443% | 642 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 73.2600% | 1,441 |
| Net loans and leases to deposits | 94.4706% | 862 |
| Net loans and leases to core deposits | 98.8624% | 1,390 |
| Total domestic deposits to total assets | 77.5500% | 3,873 |
| Equity capital to assets | 16.5471% | 418 |
| Core capital (leverage) ratio | 15.7569% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9790% | 492 |
| Memoranda: | ||
| Average total assets | $131,117,750 | 3,548 |
| Average earning assets | $119,533,500 | 3,565 |
| Average equity | $22,497,000 | 2,651 |
| Average total loans | $97,944,250 | 3,199 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7519% | 208 |
| Cost of funding earning assets | 2.0862% | 422 |
| Net interest margin | 4.6657% | 489 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.7214% | 1,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9809% | 484 |
| Return on assets (ROA) | 1.9809% | 482 |
| Pretax return on assets | 1.9899% | 758 |
| Return on Equity (ROE) | 11.4200% | 2,319 |
| Retained earnings to average equity (ytd only) | 11.4167% | 1,099 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.7636% | 3,215 |
| Assets per employee ($millions) | 11.6170% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7004% | 749 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 74.0600% | 1,284 |
| Net loans and leases to deposits | 94.6397% | 809 |
| Net loans and leases to core deposits | 98.6295% | 1,310 |
| Total domestic deposits to total assets | 78.2500% | 3,818 |
| Equity capital to assets | 15.9069% | 455 |
| Core capital (leverage) ratio | 14.9187% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0773% | 550 |
| Memoranda: | ||
| Average total assets | $132,870,667 | 3,543 |
| Average earning assets | $120,410,000 | 3,561 |
| Average equity | $23,054,000 | 2,622 |
| Average total loans | $99,310,333 | 3,179 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3676% | 208 |
| Cost of funding earning assets | 1.6954% | 581 |
| Net interest margin | 4.6722% | 465 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.1741% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3868% | 285 |
| Return on assets (ROA) | 2.3868% | 280 |
| Pretax return on assets | 2.4016% | 412 |
| Return on Equity (ROE) | 13.2400% | 1,940 |
| Retained earnings to average equity (ytd only) | 13.2364% | 1,051 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.5145% | 4,116 |
| Assets per employee ($millions) | 13.6213% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 938 |
| Loan loss allowance to noncurrent loans | 754.3779% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 2,388 |
| Noncurrent loans to loans | 0.2166% | 2,395 |
| Net loans and leases to total assets | 72.3400% | 1,388 |
| Net loans and leases to deposits | 94.8865% | 729 |
| Net loans and leases to core deposits | 98.2030% | 1,165 |
| Total domestic deposits to total assets | 76.2400% | 4,146 |
| Equity capital to assets | 18.2222% | 293 |
| Core capital (leverage) ratio | 17.7939% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1751% | 344 |
| Memoranda: | ||
| Average total assets | $135,412,500 | 3,565 |
| Average earning assets | $121,741,500 | 3,584 |
| Average equity | $24,417,500 | 2,575 |
| Average total loans | $100,830,000 | 3,201 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 653 |
| Cost of funding earning assets | 0.6486% | 718 |
| Net interest margin | 3.9059% | 946 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.4764% | 2,192 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.5271% | 828 |
| Return on assets (ROA) | 1.5271% | 799 |
| Pretax return on assets | 1.5271% | 1,373 |
| Return on Equity (ROE) | 8.6600% | 3,213 |
| Retained earnings to average equity (ytd only) | -2.5640% | 4,506 |
| Net charge-offs to loans | -0.0010% | 3,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.3542% | 2,864 |
| Assets per employee ($millions) | 12.2375% | 363 |
| Cash dividends to net income (ytd only)* | 129.6112% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 955 |
| Loan loss allowance to noncurrent loans | 223.9398% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 922 |
| Noncurrent loans to loans | 0.7203% | 1,045 |
| Net loans and leases to total assets | 74.1800% | 1,200 |
| Net loans and leases to deposits | 96.9014% | 590 |
| Net loans and leases to core deposits | 100.3013% | 989 |
| Total domestic deposits to total assets | 76.5500% | 4,218 |
| Equity capital to assets | 17.8394% | 302 |
| Core capital (leverage) ratio | 18.5614% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0416% | 367 |
| Memoranda: | ||
| Average total assets | $131,362,200 | 3,622 |
| Average earning assets | $119,023,800 | 3,637 |
| Average equity | $23,166,800 | 2,690 |
| Average total loans | $97,399,000 | 3,188 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 1,002 |
| Cost of funding earning assets | 0.5291% | 645 |
| Net interest margin | 3.6037% | 1,382 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.1886% | 2,964 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.5166% | 818 |
| Return on assets (ROA) | 1.5166% | 792 |
| Pretax return on assets | 1.5044% | 1,393 |
| Return on Equity (ROE) | 8.6300% | 3,133 |
| Retained earnings to average equity (ytd only) | -6.4763% | 4,632 |
| Net charge-offs to loans | -0.0014% | 3,215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.5679% | 3,317 |
| Assets per employee ($millions) | 10.7216% | 539 |
| Cash dividends to net income (ytd only)* | 175.0842% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 953 |
| Loan loss allowance to noncurrent loans | 223.9398% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.6198% | 854 |
| Noncurrent loans to loans | 0.7397% | 1,097 |
| Net loans and leases to total assets | 82.4000% | 360 |
| Net loans and leases to deposits | 111.7917% | 107 |
| Net loans and leases to core deposits | 117.4654% | 305 |
| Total domestic deposits to total assets | 73.7100% | 4,461 |
| Equity capital to assets | 19.9206% | 218 |
| Core capital (leverage) ratio | 18.3425% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5247% | 363 |
| Memoranda: | ||
| Average total assets | $130,549,750 | 3,655 |
| Average earning assets | $118,431,750 | 3,666 |
| Average equity | $22,955,000 | 2,741 |
| Average total loans | $96,376,000 | 3,216 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 1,652 |
| Cost of funding earning assets | 0.4949% | 531 |
| Net interest margin | 3.1656% | 2,305 |
| Noninterest income to average assets | 0.3325% | 3,167 |
| Noninterest expense to average assets | 2.0437% | 3,315 |
| Loan and lease loss provision to assets | 0.0638% | 1,457 |
| Net operating income to assets | 1.1443% | 1,618 |
| Return on assets (ROA) | 1.1443% | 1,598 |
| Pretax return on assets | 1.1206% | 2,333 |
| Return on Equity (ROE) | 6.7705% | 3,373 |
| Retained earnings to average equity (ytd only) | -16.0612% | 4,708 |
| Net charge-offs to loans | -0.0021% | 3,140 |
| Credit loss provision to net charge-offs | -4,300.0000% | 3,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3103% | 2,868 |
| Assets per employee ($millions) | 11.5138% | 438 |
| Cash dividends to net income (ytd only)* | 337.2244% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 926 |
| Loan loss allowance to noncurrent loans | 223.9398% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 976 |
| Noncurrent loans to loans | 0.7694% | 1,116 |
| Net loans and leases to total assets | 73.7217% | 943 |
| Net loans and leases to deposits | 96.8217% | 394 |
| Net loans and leases to core deposits | 100.9111% | 635 |
| Total domestic deposits to total assets | 76.1417% | 4,451 |
| Equity capital to assets | 17.9847% | 228 |
| Core capital (leverage) ratio | 16.8034% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4192% | 306 |
| Memoranda: | ||
| Average total assets | $134,753,667 | 3,652 |
| Average earning assets | $123,264,333 | 3,657 |
| Average equity | $22,775,333 | 2,834 |
| Average total loans | $95,560,667 | 3,245 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 1,476 |
| Cost of funding earning assets | 0.4940% | 511 |
| Net interest margin | 3.1174% | 2,118 |
| Noninterest income to average assets | 0.2795% | 3,463 |
| Noninterest expense to average assets | 1.9337% | 3,597 |
| Loan and lease loss provision to assets | 0.1239% | 671 |
| Net operating income to assets | 1.0807% | 1,577 |
| Return on assets (ROA) | 1.0807% | 1,576 |
| Pretax return on assets | 1.0951% | 2,159 |
| Return on Equity (ROE) | 6.5865% | 3,161 |
| Retained earnings to average equity (ytd only) | -1.3173% | 4,175 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3346% | 3,346 |
| Assets per employee ($millions) | 12.3948% | 356 |
| Cash dividends to net income (ytd only)* | 120.0000% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8018% | 878 |
| Loan loss allowance to noncurrent loans | 223.9398% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 1,118 |
| Noncurrent loans to loans | 0.8046% | 1,180 |
| Net loans and leases to total assets | 65.4342% | 1,465 |
| Net loans and leases to deposits | 88.3754% | 602 |
| Net loans and leases to core deposits | 91.9761% | 816 |
| Total domestic deposits to total assets | 74.0412% | 4,570 |
| Equity capital to assets | 16.6756% | 285 |
| Core capital (leverage) ratio | 15.7686% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5922% | 277 |
| Memoranda: | ||
| Average total assets | $138,804,500 | 3,631 |
| Average earning assets | $127,926,500 | 3,639 |
| Average equity | $22,774,000 | 2,926 |
| Average total loans | $95,837,500 | 3,251 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 1,775 |
| Cost of funding earning assets | 0.5853% | 587 |
| Net interest margin | 3.2531% | 2,456 |
| Noninterest income to average assets | 0.3902% | 3,101 |
| Noninterest expense to average assets | 2.0731% | 3,464 |
| Loan and lease loss provision to assets | 0.1845% | 615 |
| Net operating income to assets | 1.1479% | 2,119 |
| Return on assets (ROA) | 1.1479% | 2,172 |
| Pretax return on assets | 1.1571% | 2,795 |
| Return on Equity (ROE) | 7.0566% | 3,502 |
| Retained earnings to average equity (ytd only) | -0.3576% | 4,535 |
| Net charge-offs to loans | -0.0214% | 4,007 |
| Credit loss provision to net charge-offs | -1,181.8182% | 3,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7106% | 3,043 |
| Assets per employee ($millions) | 14.1266% | 234 |
| Cash dividends to net income (ytd only)* | 105.0680% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 1,303 |
| Loan loss allowance to noncurrent loans | 75.6410% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.4908% | 282 |
| Noncurrent loans to loans | 2.0888% | 368 |
| Net loans and leases to total assets | 70.2434% | 1,019 |
| Net loans and leases to deposits | 94.6499% | 362 |
| Net loans and leases to core deposits | 99.7086% | 549 |
| Total domestic deposits to total assets | 74.2139% | 4,578 |
| Equity capital to assets | 16.1483% | 366 |
| Core capital (leverage) ratio | 15.6711% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9494% | 403 |
| Memoranda: | ||
| Average total assets | $140,951,600 | 3,574 |
| Average earning assets | $131,046,000 | 3,563 |
| Average equity | $22,929,000 | 2,990 |
| Average total loans | $103,001,000 | 3,160 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 1,856 |
| Cost of funding earning assets | 0.6087% | 616 |
| Net interest margin | 3.2611% | 2,543 |
| Noninterest income to average assets | 0.4022% | 3,070 |
| Noninterest expense to average assets | 2.0860% | 3,405 |
| Loan and lease loss provision to assets | 0.1846% | 575 |
| Net operating income to assets | 1.1556% | 2,342 |
| Return on assets (ROA) | 1.1556% | 2,403 |
| Pretax return on assets | 1.1689% | 3,023 |
| Return on Equity (ROE) | 7.0910% | 3,646 |
| Retained earnings to average equity (ytd only) | -0.1684% | 4,577 |
| Net charge-offs to loans | -0.0270% | 4,092 |
| Credit loss provision to net charge-offs | -928.5714% | 3,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6494% | 2,888 |
| Assets per employee ($millions) | 14.0756% | 238 |
| Cash dividends to net income (ytd only)* | 102.3751% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 1,817 |
| Loan loss allowance to noncurrent loans | 57.6009% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.8834% | 213 |
| Noncurrent loans to loans | 2.5157% | 296 |
| Net loans and leases to total assets | 73.7816% | 710 |
| Net loans and leases to deposits | 99.7829% | 229 |
| Net loans and leases to core deposits | 105.1581% | 426 |
| Total domestic deposits to total assets | 73.9421% | 4,639 |
| Equity capital to assets | 16.2991% | 389 |
| Core capital (leverage) ratio | 15.4361% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1973% | 472 |
| Memoranda: | ||
| Average total assets | $140,873,000 | 3,622 |
| Average earning assets | $131,199,250 | 3,605 |
| Average equity | $22,958,250 | 3,023 |
| Average total loans | $103,545,500 | 3,193 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 2,125 |
| Cost of funding earning assets | 0.6362% | 617 |
| Net interest margin | 3.1415% | 2,919 |
| Noninterest income to average assets | 0.4698% | 2,756 |
| Noninterest expense to average assets | 2.1006% | 3,388 |
| Loan and lease loss provision to assets | 0.1845% | 620 |
| Net operating income to assets | 1.1014% | 2,542 |
| Return on assets (ROA) | 1.1014% | 2,606 |
| Pretax return on assets | 1.1142% | 3,166 |
| Return on Equity (ROE) | 6.7585% | 3,713 |
| Retained earnings to average equity (ytd only) | -0.2090% | 4,539 |
| Net charge-offs to loans | -0.0408% | 4,277 |
| Credit loss provision to net charge-offs | -619.0476% | 3,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7954% | 2,759 |
| Assets per employee ($millions) | 13.8339% | 241 |
| Cash dividends to net income (ytd only)* | 103.0928% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 1,767 |
| Loan loss allowance to noncurrent loans | 54.2084% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.9496% | 220 |
| Noncurrent loans to loans | 2.6731% | 294 |
| Net loans and leases to total assets | 71.8756% | 988 |
| Net loans and leases to deposits | 97.7661% | 319 |
| Net loans and leases to core deposits | 104.8242% | 508 |
| Total domestic deposits to total assets | 73.5180% | 4,671 |
| Equity capital to assets | 16.5875% | 367 |
| Core capital (leverage) ratio | 15.6640% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3393% | 364 |
| Memoranda: | ||
| Average total assets | $140,912,000 | 3,627 |
| Average earning assets | $131,400,333 | 3,612 |
| Average equity | $22,963,667 | 3,014 |
| Average total loans | $102,934,333 | 3,220 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9978% | 1,618 |
| Cost of funding earning assets | 0.6477% | 707 |
| Net interest margin | 3.3500% | 2,249 |
| Noninterest income to average assets | 0.1800% | 4,293 |
| Noninterest expense to average assets | 2.1125% | 3,388 |
| Loan and lease loss provision to assets | 0.1828% | 673 |
| Net operating income to assets | 1.0014% | 2,803 |
| Return on assets (ROA) | 1.0014% | 2,893 |
| Pretax return on assets | 1.0127% | 3,338 |
| Return on Equity (ROE) | 6.1989% | 3,808 |
| Retained earnings to average equity (ytd only) | 0.1045% | 4,356 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8605% | 2,483 |
| Assets per employee ($millions) | 16.0253% | 165 |
| Cash dividends to net income (ytd only)* | 98.3146% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 2,203 |
| Loan loss allowance to noncurrent loans | 51.0378% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.8706% | 286 |
| Noncurrent loans to loans | 2.6427% | 338 |
| Net loans and leases to total assets | 69.8318% | 1,316 |
| Net loans and leases to deposits | 98.5557% | 329 |
| Net loans and leases to core deposits | 105.7396% | 523 |
| Total domestic deposits to total assets | 70.8552% | 4,750 |
| Equity capital to assets | 15.9310% | 394 |
| Core capital (leverage) ratio | 15.8253% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3373% | 493 |
| Memoranda: | ||
| Average total assets | $142,198,500 | 3,612 |
| Average earning assets | $132,774,500 | 3,598 |
| Average equity | $22,972,000 | 2,997 |
| Average total loans | $103,954,500 | 3,209 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 1,644 |
| Cost of funding earning assets | 0.9893% | 613 |
| Net interest margin | 3.3897% | 2,814 |
| Noninterest income to average assets | 0.3983% | 3,099 |
| Noninterest expense to average assets | 2.5062% | 2,834 |
| Loan and lease loss provision to assets | 0.1389% | 2,621 |
| Net operating income to assets | 0.9138% | 2,634 |
| Return on assets (ROA) | 0.9138% | 2,772 |
| Pretax return on assets | 0.9283% | 3,287 |
| Return on Equity (ROE) | 5.7103% | 3,680 |
| Retained earnings to average equity (ytd only) | -5.2286% | 4,836 |
| Net charge-offs to loans | -0.0021% | 3,988 |
| Credit loss provision to net charge-offs | -8,650.0000% | 4,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1348% | 1,931 |
| Assets per employee ($millions) | 15.5743% | 161 |
| Cash dividends to net income (ytd only)* | 191.5641% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,755 |
| Loan loss allowance to noncurrent loans | 40.6386% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 2.3015% | 217 |
| Noncurrent loans to loans | 3.0487% | 278 |
| Net loans and leases to total assets | 74.5557% | 952 |
| Net loans and leases to deposits | 103.9468% | 260 |
| Net loans and leases to core deposits | 111.3510% | 473 |
| Total domestic deposits to total assets | 71.7248% | 4,722 |
| Equity capital to assets | 16.3852% | 392 |
| Core capital (leverage) ratio | 15.9182% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7154% | 525 |
| Memoranda: | ||
| Average total assets | $124,533,000 | 3,691 |
| Average earning assets | $116,646,000 | 3,670 |
| Average equity | $19,928,800 | 3,192 |
| Average total loans | $96,791,000 | 3,280 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5088% | 1,549 |
| Cost of funding earning assets | 1.0373% | 668 |
| Net interest margin | 3.4715% | 2,687 |
| Noninterest income to average assets | 0.3570% | 3,322 |
| Noninterest expense to average assets | 2.3997% | 3,132 |
| Loan and lease loss provision to assets | 0.1194% | 2,830 |
| Net operating income to assets | 1.0678% | 2,081 |
| Return on assets (ROA) | 1.0678% | 2,215 |
| Pretax return on assets | 1.0932% | 2,774 |
| Return on Equity (ROE) | 6.7189% | 3,305 |
| Retained earnings to average equity (ytd only) | -2.5318% | 4,741 |
| Net charge-offs to loans | -0.0014% | 3,847 |
| Credit loss provision to net charge-offs | -10,800.0000% | 4,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4321% | 2,409 |
| Assets per employee ($millions) | 14.1545% | 198 |
| Cash dividends to net income (ytd only)* | 137.6812% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 3,008 |
| Loan loss allowance to noncurrent loans | 41.5415% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.1173% | 292 |
| Noncurrent loans to loans | 2.7329% | 362 |
| Net loans and leases to total assets | 76.5968% | 1,019 |
| Net loans and leases to deposits | 106.9453% | 295 |
| Net loans and leases to core deposits | 114.4711% | 536 |
| Total domestic deposits to total assets | 71.6225% | 4,694 |
| Equity capital to assets | 16.7056% | 402 |
| Core capital (leverage) ratio | 15.2153% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0164% | 513 |
| Memoranda: | ||
| Average total assets | $120,624,000 | 3,731 |
| Average earning assets | $113,108,500 | 3,712 |
| Average equity | $19,169,250 | 3,260 |
| Average total loans | $94,535,000 | 3,336 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 2,993 |
| Cost of funding earning assets | 1.0772% | 771 |
| Net interest margin | 3.0442% | 4,032 |
| Noninterest income to average assets | 0.2851% | 3,754 |
| Noninterest expense to average assets | 1.9956% | 4,241 |
| Loan and lease loss provision to assets | 0.0757% | 3,347 |
| Net operating income to assets | 1.0260% | 2,233 |
| Return on assets (ROA) | 1.0260% | 2,362 |
| Pretax return on assets | 1.0735% | 2,796 |
| Return on Equity (ROE) | 6.5961% | 3,290 |
| Retained earnings to average equity (ytd only) | -5.0574% | 4,772 |
| Net charge-offs to loans | -0.0022% | 3,841 |
| Credit loss provision to net charge-offs | -4,300.0000% | 4,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4583% | 2,890 |
| Assets per employee ($millions) | 15.0663% | 167 |
| Cash dividends to net income (ytd only)* | 176.6724% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 3,468 |
| Loan loss allowance to noncurrent loans | 25.0478% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 3.1268% | 143 |
| Noncurrent loans to loans | 4.0732% | 164 |
| Net loans and leases to total assets | 75.9828% | 1,142 |
| Net loans and leases to deposits | 111.6183% | 197 |
| Net loans and leases to core deposits | 119.4345% | 435 |
| Total domestic deposits to total assets | 68.0738% | 4,838 |
| Equity capital to assets | 15.6369% | 523 |
| Core capital (leverage) ratio | 16.3284% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3769% | 639 |
| Memoranda: | ||
| Average total assets | $113,650,333 | 3,805 |
| Average earning assets | $106,760,000 | 3,792 |
| Average equity | $17,677,000 | 3,395 |
| Average total loans | $89,492,000 | 3,420 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 2,661 |
| Cost of funding earning assets | 1.2018% | 768 |
| Net interest margin | 3.1855% | 3,894 |
| Noninterest income to average assets | 0.1135% | 4,778 |
| Noninterest expense to average assets | 1.9928% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1183% | 1,791 |
| Return on assets (ROA) | 1.1183% | 1,885 |
| Pretax return on assets | 1.1183% | 2,459 |
| Return on Equity (ROE) | 7.2204% | 2,860 |
| Retained earnings to average equity (ytd only) | -0.9229% | 4,127 |
| Net charge-offs to loans | -0.0052% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0541% | 3,227 |
| Assets per employee ($millions) | 11.6828% | 253 |
| Cash dividends to net income (ytd only)* | 112.7820% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,345 |
| Loan loss allowance to noncurrent loans | 26.2416% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 4.6318% | 79 |
| Noncurrent loans to loans | 5.7165% | 88 |
| Net loans and leases to total assets | 79.8100% | 717 |
| Net loans and leases to deposits | 101.5742% | 458 |
| Net loans and leases to core deposits | 108.1435% | 943 |
| Total domestic deposits to total assets | 78.5731% | 4,128 |
| Equity capital to assets | 15.7401% | 625 |
| Core capital (leverage) ratio | 15.4993% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4714% | 699 |
| Memoranda: | ||
| Average total assets | $95,144,000 | 4,055 |
| Average earning assets | $89,531,500 | 4,028 |
| Average equity | $14,736,000 | 3,690 |
| Average total loans | $76,409,000 | 3,636 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 2,430 |
| Cost of funding earning assets | 1.3837% | 598 |
| Net interest margin | 3.2782% | 4,029 |
| Noninterest income to average assets | 0.1957% | 4,488 |
| Noninterest expense to average assets | 2.0802% | 4,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1948% | 2,080 |
| Return on assets (ROA) | 1.1948% | 2,176 |
| Pretax return on assets | 1.2079% | 2,812 |
| Return on Equity (ROE) | 7.9604% | 3,182 |
| Retained earnings to average equity (ytd only) | -0.1487% | 4,725 |
| Net charge-offs to loans | -0.0026% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2634% | 3,183 |
| Assets per employee ($millions) | 12.1033% | 217 |
| Cash dividends to net income (ytd only)* | 101.8676% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 1,294 |
| Loan loss allowance to noncurrent loans | 26.2235% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 4.4740% | 76 |
| Noncurrent loans to loans | 5.6194% | 80 |
| Net loans and leases to total assets | 78.4438% | 1,004 |
| Net loans and leases to deposits | 99.0390% | 664 |
| Net loans and leases to core deposits | 106.0810% | 1,103 |
| Total domestic deposits to total assets | 79.2050% | 4,147 |
| Equity capital to assets | 15.2449% | 737 |
| Core capital (leverage) ratio | 15.2891% | 630 |
| Tier 1 risk-based capital ratio | 19.8028% | 1,353 |
| Total risk-based capital ratio | 21.0558% | 1,319 |
| Memoranda: | ||
| Average total assets | $98,597,200 | 4,023 |
| Average earning assets | $93,008,800 | 3,997 |
| Average equity | $14,798,200 | 3,656 |
| Average total loans | $77,868,800 | 3,639 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 2,357 |
| Cost of funding earning assets | 1.4265% | 521 |
| Net interest margin | 3.2953% | 4,095 |
| Noninterest income to average assets | 0.1710% | 4,693 |
| Noninterest expense to average assets | 2.0489% | 4,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2197% | 2,127 |
| Return on assets (ROA) | 1.2197% | 2,201 |
| Pretax return on assets | 1.2318% | 2,879 |
| Return on Equity (ROE) | 8.1578% | 3,237 |
| Retained earnings to average equity (ytd only) | 0.0540% | 4,747 |
| Net charge-offs to loans | -0.0017% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4538% | 3,253 |
| Assets per employee ($millions) | 7.9343% | 707 |
| Cash dividends to net income (ytd only)* | 99.3377% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,183 |
| Loan loss allowance to noncurrent loans | 26.1943% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 4.5509% | 89 |
| Noncurrent loans to loans | 5.8218% | 77 |
| Net loans and leases to total assets | 76.9785% | 1,325 |
| Net loans and leases to deposits | 97.6719% | 854 |
| Net loans and leases to core deposits | 106.0236% | 1,182 |
| Total domestic deposits to total assets | 78.8134% | 4,216 |
| Equity capital to assets | 15.5371% | 723 |
| Core capital (leverage) ratio | 15.2306% | 689 |
| Tier 1 risk-based capital ratio | 20.6157% | 1,253 |
| Total risk-based capital ratio | 21.8699% | 1,229 |
| Memoranda: | ||
| Average total assets | $99,040,000 | 4,059 |
| Average earning assets | $93,465,000 | 4,022 |
| Average equity | $14,807,500 | 3,687 |
| Average total loans | $78,063,500 | 3,676 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 2,248 |
| Cost of funding earning assets | 1.4091% | 523 |
| Net interest margin | 3.3330% | 4,070 |
| Noninterest income to average assets | 0.2014% | 4,546 |
| Noninterest expense to average assets | 2.0655% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2780% | 1,860 |
| Return on assets (ROA) | 1.2780% | 1,917 |
| Pretax return on assets | 1.2859% | 2,612 |
| Return on Equity (ROE) | 8.6551% | 2,999 |
| Retained earnings to average equity (ytd only) | 0.5536% | 4,553 |
| Net charge-offs to loans | -0.0530% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6300% | 3,489 |
| Assets per employee ($millions) | 8.5544% | 547 |
| Cash dividends to net income (ytd only)* | 93.6037% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 1,107 |
| Loan loss allowance to noncurrent loans | 26.6006% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 4.2298% | 103 |
| Noncurrent loans to loans | 5.8890% | 70 |
| Net loans and leases to total assets | 70.7003% | 2,436 |
| Net loans and leases to deposits | 88.2147% | 1,976 |
| Net loans and leases to core deposits | 95.0321% | 2,152 |
| Total domestic deposits to total assets | 80.1457% | 4,013 |
| Equity capital to assets | 14.4428% | 967 |
| Core capital (leverage) ratio | 14.1005% | 935 |
| Tier 1 risk-based capital ratio | 20.8793% | 1,195 |
| Total risk-based capital ratio | 22.1355% | 1,176 |
| Memoranda: | ||
| Average total assets | $100,316,330 | 4,064 |
| Average earning assets | $94,810,330 | 4,017 |
| Average equity | $14,812,000 | 3,692 |
| Average total loans | $79,282,330 | 3,670 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 1,821 |
| Cost of funding earning assets | 1.3581% | 528 |
| Net interest margin | 3.4721% | 3,674 |
| Noninterest income to average assets | 0.1210% | 5,010 |
| Noninterest expense to average assets | 2.0414% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3596% | 1,489 |
| Return on assets (ROA) | 1.3596% | 1,531 |
| Pretax return on assets | 1.3596% | 2,235 |
| Return on Equity (ROE) | 9.1050% | 2,766 |
| Retained earnings to average equity (ytd only) | 0.9997% | 4,309 |
| Net charge-offs to loans | -0.0049% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0237% | 3,800 |
| Assets per employee ($millions) | 8.1632% | 634 |
| Cash dividends to net income (ytd only)* | 89.0208% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,595 |
| Loan loss allowance to noncurrent loans | 28.2019% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 4.1048% | 110 |
| Noncurrent loans to loans | 5.0388% | 111 |
| Net loans and leases to total assets | 80.3058% | 798 |
| Net loans and leases to deposits | 105.4674% | 333 |
| Net loans and leases to core deposits | 114.4966% | 713 |
| Total domestic deposits to total assets | 76.1428% | 4,742 |
| Equity capital to assets | 15.1330% | 729 |
| Core capital (leverage) ratio | 14.7885% | 747 |
| Tier 1 risk-based capital ratio | 17.2549% | 2,035 |
| Total risk-based capital ratio | 18.5061% | 1,970 |
| Memoranda: | ||
| Average total assets | $99,148,000 | 4,119 |
| Average earning assets | $93,660,000 | 4,082 |
| Average equity | $14,805,000 | 3,713 |
| Average total loans | $82,058,000 | 3,652 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 2,487 |
| Cost of funding earning assets | 0.9060% | 1,064 |
| Net interest margin | 3.5843% | 3,437 |
| Noninterest income to average assets | 0.1463% | 4,979 |
| Noninterest expense to average assets | 2.1828% | 4,378 |
| Loan and lease loss provision to assets | 0.0906% | 2,337 |
| Net operating income to assets | 1.2949% | 1,826 |
| Return on assets (ROA) | 1.2949% | 1,809 |
| Pretax return on assets | 1.2949% | 2,516 |
| Return on Equity (ROE) | 8.8360% | 3,073 |
| Retained earnings to average equity (ytd only) | 0.6860% | 4,811 |
| Net charge-offs to loans | -0.0023% | 4,251 |
| Credit loss provision to net charge-offs | -4,550.0000% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1715% | 3,666 |
| Assets per employee ($millions) | 10.0338% | 335 |
| Cash dividends to net income (ytd only)* | 92.2367% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 1,852 |
| Loan loss allowance to noncurrent loans | 28.1529% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 4.0144% | 115 |
| Noncurrent loans to loans | 4.7773% | 122 |
| Net loans and leases to total assets | 82.9018% | 524 |
| Net loans and leases to deposits | 107.9641% | 308 |
| Net loans and leases to core deposits | 117.2552% | 643 |
| Total domestic deposits to total assets | 76.7865% | 4,665 |
| Equity capital to assets | 14.7362% | 778 |
| Core capital (leverage) ratio | 14.7066% | 756 |
| Tier 1 risk-based capital ratio | 18.1742% | 1,709 |
| Total risk-based capital ratio | 19.4255% | 1,657 |
| Memoranda: | ||
| Average total assets | $100,469,000 | 4,090 |
| Average earning assets | $95,917,600 | 4,040 |
| Average equity | $14,723,800 | 3,668 |
| Average total loans | $85,408,200 | 3,562 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3786% | 2,694 |
| Cost of funding earning assets | 0.8652% | 1,050 |
| Net interest margin | 3.5134% | 3,646 |
| Noninterest income to average assets | 0.1486% | 5,031 |
| Noninterest expense to average assets | 2.0934% | 4,569 |
| Loan and lease loss provision to assets | 0.0809% | 2,337 |
| Net operating income to assets | 1.3187% | 1,782 |
| Return on assets (ROA) | 1.3187% | 1,790 |
| Pretax return on assets | 1.3359% | 2,482 |
| Return on Equity (ROE) | 9.0106% | 3,080 |
| Retained earnings to average equity (ytd only) | 0.8521% | 4,892 |
| Net charge-offs to loans | -0.0016% | 4,062 |
| Credit loss provision to net charge-offs | -6,100.0000% | 4,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6372% | 3,859 |
| Assets per employee ($millions) | 9.9167% | 344 |
| Cash dividends to net income (ytd only)* | 90.5433% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,364 |
| Loan loss allowance to noncurrent loans | 27.3877% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 4.0649% | 118 |
| Noncurrent loans to loans | 4.5664% | 161 |
| Net loans and leases to total assets | 87.9042% | 147 |
| Net loans and leases to deposits | 115.0133% | 166 |
| Net loans and leases to core deposits | 124.5261% | 449 |
| Total domestic deposits to total assets | 76.4297% | 4,738 |
| Equity capital to assets | 14.9001% | 747 |
| Core capital (leverage) ratio | 14.8682% | 730 |
| Tier 1 risk-based capital ratio | 17.6445% | 1,885 |
| Total risk-based capital ratio | 18.8947% | 1,844 |
| Memoranda: | ||
| Average total assets | $100,501,750 | 4,138 |
| Average earning assets | $96,162,250 | 4,075 |
| Average equity | $14,708,250 | 3,697 |
| Average total loans | $85,681,250 | 3,583 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0356% | 3,666 |
| Cost of funding earning assets | 0.8092% | 1,087 |
| Net interest margin | 3.2264% | 4,447 |
| Noninterest income to average assets | 0.1585% | 5,035 |
| Noninterest expense to average assets | 2.0328% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2046% | 2,178 |
| Return on assets (ROA) | 1.2046% | 2,178 |
| Pretax return on assets | 1.2224% | 2,863 |
| Return on Equity (ROE) | 8.2802% | 3,370 |
| Retained earnings to average equity (ytd only) | 0.1089% | 4,939 |
| Net charge-offs to loans | -0.0024% | 3,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4467% | 3,566 |
| Assets per employee ($millions) | 8.2570% | 571 |
| Cash dividends to net income (ytd only)* | 98.6842% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,501 |
| Loan loss allowance to noncurrent loans | 22.8159% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 4.6092% | 107 |
| Noncurrent loans to loans | 5.4275% | 113 |
| Net loans and leases to total assets | 83.8713% | 471 |
| Net loans and leases to deposits | 108.9690% | 313 |
| Net loans and leases to core deposits | 117.8983% | 634 |
| Total domestic deposits to total assets | 76.9680% | 4,739 |
| Equity capital to assets | 14.8258% | 722 |
| Core capital (leverage) ratio | 14.8080% | 713 |
| Tier 1 risk-based capital ratio | 18.5501% | 1,663 |
| Total risk-based capital ratio | 19.8015% | 1,627 |
| Memoranda: | ||
| Average total assets | $100,946,670 | 4,160 |
| Average earning assets | $96,888,670 | 4,100 |
| Average equity | $14,685,670 | 3,718 |
| Average total loans | $84,816,330 | 3,628 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 4,047 |
| Cost of funding earning assets | 0.7697% | 1,097 |
| Net interest margin | 3.0909% | 4,718 |
| Noninterest income to average assets | 0.1924% | 4,868 |
| Noninterest expense to average assets | 1.9592% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1936% | 2,034 |
| Return on assets (ROA) | 1.1936% | 2,049 |
| Pretax return on assets | 1.2132% | 2,700 |
| Return on Equity (ROE) | 8.2814% | 3,253 |
| Retained earnings to average equity (ytd only) | 0.1090% | 4,789 |
| Net charge-offs to loans | -0.0047% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7574% | 3,830 |
| Assets per employee ($millions) | 8.2467% | 574 |
| Cash dividends to net income (ytd only)* | 98.6842% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,634 |
| Loan loss allowance to noncurrent loans | 18.8529% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 5.5851% | 83 |
| Noncurrent loans to loans | 6.5205% | 84 |
| Net loans and leases to total assets | 84.6019% | 376 |
| Net loans and leases to deposits | 109.3762% | 270 |
| Net loans and leases to core deposits | 117.4419% | 674 |
| Total domestic deposits to total assets | 77.3494% | 4,824 |
| Equity capital to assets | 14.8393% | 712 |
| Core capital (leverage) ratio | 14.3976% | 789 |
| Tier 1 risk-based capital ratio | 18.4129% | 1,717 |
| Total risk-based capital ratio | 19.6680% | 1,681 |
| Memoranda: | ||
| Average total assets | $101,878,000 | 4,195 |
| Average earning assets | $98,222,500 | 4,126 |
| Average equity | $14,683,500 | 3,749 |
| Average total loans | $85,152,000 | 3,649 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 3,798 |
| Cost of funding earning assets | 0.5703% | 1,828 |
| Net interest margin | 3.3061% | 4,143 |
| Noninterest income to average assets | 0.8480% | 1,413 |
| Noninterest expense to average assets | 2.2896% | 4,360 |
| Loan and lease loss provision to assets | 0.0765% | 2,669 |
| Net operating income to assets | 1.6898% | 535 |
| Return on assets (ROA) | 1.6898% | 550 |
| Pretax return on assets | 1.6950% | 1,019 |
| Return on Equity (ROE) | 11.1325% | 1,422 |
| Retained earnings to average equity (ytd only) | 2.9568% | 3,530 |
| Net charge-offs to loans | -0.0805% | 5,316 |
| Credit loss provision to net charge-offs | -110.4478% | 4,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3789% | 4,726 |
| Assets per employee ($millions) | 8.7330% | 494 |
| Cash dividends to net income (ytd only)* | 73.4394% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,677 |
| Loan loss allowance to noncurrent loans | 19.0450% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 5.2158% | 87 |
| Noncurrent loans to loans | 6.3900% | 80 |
| Net loans and leases to total assets | 80.6319% | 880 |
| Net loans and leases to deposits | 102.4963% | 576 |
| Net loans and leases to core deposits | 109.4774% | 1,034 |
| Total domestic deposits to total assets | 78.6681% | 4,611 |
| Equity capital to assets | 14.0101% | 908 |
| Core capital (leverage) ratio | 14.8489% | 647 |
| Tier 1 risk-based capital ratio | 17.9534% | 1,813 |
| Total risk-based capital ratio | 19.2084% | 1,758 |
| Memoranda: | ||
| Average total assets | $96,698,000 | 4,297 |
| Average earning assets | $93,978,400 | 4,199 |
| Average equity | $14,677,800 | 3,761 |
| Average total loans | $83,234,600 | 3,675 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 3,719 |
| Cost of funding earning assets | 0.5323% | 2,018 |
| Net interest margin | 3.3562% | 3,992 |
| Noninterest income to average assets | 1.1210% | 807 |
| Noninterest expense to average assets | 2.2012% | 4,520 |
| Loan and lease loss provision to assets | 0.1042% | 2,026 |
| Net operating income to assets | 2.0547% | 287 |
| Return on assets (ROA) | 2.0547% | 292 |
| Pretax return on assets | 2.0744% | 473 |
| Return on Equity (ROE) | 13.2542% | 998 |
| Retained earnings to average equity (ytd only) | 5.0782% | 2,837 |
| Net charge-offs to loans | -0.1065% | 5,396 |
| Credit loss provision to net charge-offs | -112.1212% | 4,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2572% | 5,234 |
| Assets per employee ($millions) | 9.7511% | 345 |
| Cash dividends to net income (ytd only)* | 61.6862% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,722 |
| Loan loss allowance to noncurrent loans | 19.1114% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 5.5860% | 81 |
| Noncurrent loans to loans | 6.4641% | 87 |
| Net loans and leases to total assets | 85.3483% | 304 |
| Net loans and leases to deposits | 111.0438% | 250 |
| Net loans and leases to core deposits | 119.4032% | 607 |
| Total domestic deposits to total assets | 76.8600% | 4,914 |
| Equity capital to assets | 15.1870% | 692 |
| Core capital (leverage) ratio | 15.2023% | 622 |
| Tier 1 risk-based capital ratio | 18.6801% | 1,684 |
| Total risk-based capital ratio | 19.9339% | 1,628 |
| Memoranda: | ||
| Average total assets | $94,673,500 | 4,372 |
| Average earning assets | $91,927,500 | 4,284 |
| Average equity | $14,676,750 | 3,793 |
| Average total loans | $82,658,250 | 3,710 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 3,935 |
| Cost of funding earning assets | 0.4839% | 2,296 |
| Net interest margin | 3.3039% | 4,093 |
| Noninterest income to average assets | 1.6367% | 424 |
| Noninterest expense to average assets | 2.1509% | 4,666 |
| Loan and lease loss provision to assets | 0.1579% | 1,265 |
| Net operating income to assets | 2.5137% | 127 |
| Return on assets (ROA) | 2.5137% | 126 |
| Pretax return on assets | 2.5329% | 202 |
| Return on Equity (ROE) | 16.1010% | 518 |
| Retained earnings to average equity (ytd only) | 7.9001% | 1,207 |
| Net charge-offs to loans | -0.1607% | 5,541 |
| Credit loss provision to net charge-offs | -112.1212% | 4,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4249% | 5,511 |
| Assets per employee ($millions) | 9.8496% | 317 |
| Cash dividends to net income (ytd only)* | 50.9338% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,859 |
| Loan loss allowance to noncurrent loans | 18.7556% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 5.6297% | 85 |
| Noncurrent loans to loans | 6.5336% | 83 |
| Net loans and leases to total assets | 85.1090% | 334 |
| Net loans and leases to deposits | 110.4248% | 254 |
| Net loans and leases to core deposits | 118.1889% | 634 |
| Total domestic deposits to total assets | 77.0742% | 4,946 |
| Equity capital to assets | 15.0514% | 696 |
| Core capital (leverage) ratio | 15.8978% | 491 |
| Tier 1 risk-based capital ratio | 18.6696% | 1,677 |
| Total risk-based capital ratio | 19.9202% | 1,642 |
| Memoranda: | ||
| Average total assets | $93,727,670 | 4,421 |
| Average earning assets | $90,923,670 | 4,333 |
| Average equity | $14,632,670 | 3,805 |
| Average total loans | $82,122,670 | 3,739 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 3,489 |
| Cost of funding earning assets | 0.4435% | 2,583 |
| Net interest margin | 3.4304% | 3,525 |
| Noninterest income to average assets | 3.2099% | 188 |
| Noninterest expense to average assets | 2.2552% | 4,518 |
| Loan and lease loss provision to assets | 0.3241% | 383 |
| Net operating income to assets | 3.9280% | 57 |
| Return on assets (ROA) | 3.9280% | 57 |
| Pretax return on assets | 3.9499% | 84 |
| Return on Equity (ROE) | 24.6827% | 91 |
| Retained earnings to average equity (ytd only) | 16.4276% | 188 |
| Net charge-offs to loans | -0.3269% | 5,694 |
| Credit loss provision to net charge-offs | -112.1212% | 3,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5406% | 5,772 |
| Assets per employee ($millions) | 9.0596% | 419 |
| Cash dividends to net income (ytd only)* | 33.4448% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,748 |
| Loan loss allowance to noncurrent loans | 23.2298% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 4.9417% | 122 |
| Noncurrent loans to loans | 5.4322% | 139 |
| Net loans and leases to total assets | 89.8230% | 63 |
| Net loans and leases to deposits | 113.6330% | 153 |
| Net loans and leases to core deposits | 121.6237% | 420 |
| Total domestic deposits to total assets | 79.0465% | 4,816 |
| Equity capital to assets | 16.3749% | 442 |
| Core capital (leverage) ratio | 15.9721% | 464 |
| Tier 1 risk-based capital ratio | 19.4394% | 1,505 |
| Total risk-based capital ratio | 20.6908% | 1,474 |
| Memoranda: | ||
| Average total assets | $91,343,500 | 4,513 |
| Average earning assets | $88,387,000 | 4,434 |
| Average equity | $14,536,500 | 3,844 |
| Average total loans | $80,749,500 | 3,799 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8872% | 3,618 |
| Cost of funding earning assets | 0.5206% | 1,938 |
| Net interest margin | 3.3666% | 3,932 |
| Noninterest income to average assets | 0.1173% | 5,593 |
| Noninterest expense to average assets | 2.1666% | 4,851 |
| Loan and lease loss provision to assets | 0.0688% | 2,980 |
| Net operating income to assets | 1.1148% | 1,841 |
| Return on assets (ROA) | 1.1478% | 1,793 |
| Pretax return on assets | 1.1640% | 2,837 |
| Return on Equity (ROE) | 7.4311% | 3,251 |
| Retained earnings to average equity (ytd only) | -0.9263% | 5,433 |
| Net charge-offs to loans | 0.1903% | 1,454 |
| Credit loss provision to net charge-offs | 45.0704% | 3,441 |
| Earnings coverage of net charge-offs (x) | 7.8521% | 2,960 |
| Efficiency ratio | 64.3656% | 3,871 |
| Assets per employee ($millions) | 7.0839% | 886 |
| Cash dividends to net income (ytd only)* | 112.4649% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 3,500 |
| Loan loss allowance to noncurrent loans | 19.1286% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 5.1091% | 119 |
| Noncurrent loans to loans | 5.9494% | 102 |
| Net loans and leases to total assets | 84.8975% | 311 |
| Net loans and leases to deposits | 106.0080% | 343 |
| Net loans and leases to core deposits | 113.6678% | 714 |
| Total domestic deposits to total assets | 80.0860% | 4,557 |
| Equity capital to assets | 15.4608% | 570 |
| Core capital (leverage) ratio | 14.9839% | 602 |
| Tier 1 risk-based capital ratio | 19.4660% | 1,489 |
| Total risk-based capital ratio | 20.6964% | 1,450 |
| Memoranda: | ||
| Average total assets | $92,958,800 | 4,491 |
| Average earning assets | $89,704,000 | 4,392 |
| Average equity | $14,358,600 | 3,898 |
| Average total loans | $74,635,000 | 3,931 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9242% | 3,509 |
| Cost of funding earning assets | 0.5111% | 2,006 |
| Net interest margin | 3.4132% | 3,800 |
| Noninterest income to average assets | 0.1331% | 5,587 |
| Noninterest expense to average assets | 2.1264% | 4,950 |
| Loan and lease loss provision to assets | 0.0215% | 3,812 |
| Net operating income to assets | 1.2630% | 1,404 |
| Return on assets (ROA) | 1.3065% | 1,363 |
| Pretax return on assets | 1.3265% | 2,325 |
| Return on Equity (ROE) | 8.4601% | 2,779 |
| Retained earnings to average equity (ytd only) | 0.1204% | 5,308 |
| Net charge-offs to loans | 0.2521% | 929 |
| Credit loss provision to net charge-offs | 10.7914% | 3,367 |
| Earnings coverage of net charge-offs (x) | 6.5539% | 2,991 |
| Efficiency ratio | 61.9942% | 4,233 |
| Assets per employee ($millions) | 7.2045% | 815 |
| Cash dividends to net income (ytd only)* | 98.5764% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 3,981 |
| Loan loss allowance to noncurrent loans | 257.2289% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 1.3410% | 1,408 |
| Noncurrent loans to loans | 0.4182% | 3,779 |
| Net loans and leases to total assets | 83.8595% | 418 |
| Net loans and leases to deposits | 104.5846% | 427 |
| Net loans and leases to core deposits | 113.3919% | 749 |
| Total domestic deposits to total assets | 80.1834% | 4,474 |
| Equity capital to assets | 15.3568% | 658 |
| Core capital (leverage) ratio | 15.2335% | 588 |
| Tier 1 risk-based capital ratio | 19.1319% | 1,644 |
| Total risk-based capital ratio | 20.2679% | 1,628 |
| Memoranda: | ||
| Average total assets | $93,175,750 | 4,524 |
| Average earning assets | $90,002,250 | 4,419 |
| Average equity | $14,388,750 | 3,925 |
| Average total loans | $73,523,000 | 3,983 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 3,752 |
| Cost of funding earning assets | 0.5095% | 2,028 |
| Net interest margin | 3.3474% | 4,069 |
| Noninterest income to average assets | 0.1204% | 5,709 |
| Noninterest expense to average assets | 2.0470% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3030% | 1,262 |
| Return on assets (ROA) | 1.3030% | 1,365 |
| Pretax return on assets | 1.3224% | 2,311 |
| Return on Equity (ROE) | 8.4221% | 2,785 |
| Retained earnings to average equity (ytd only) | 0.0834% | 5,269 |
| Net charge-offs to loans | 0.3885% | 582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.4245% | 2,989 |
| Efficiency ratio | 60.7530% | 4,547 |
| Assets per employee ($millions) | 9.2475% | 355 |
| Cash dividends to net income (ytd only)* | 99.0099% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 3,939 |
| Loan loss allowance to noncurrent loans | 241.7867% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 1.3474% | 1,482 |
| Noncurrent loans to loans | 0.4553% | 3,740 |
| Net loans and leases to total assets | 81.5107% | 680 |
| Net loans and leases to deposits | 100.5697% | 650 |
| Net loans and leases to core deposits | 108.6515% | 1,004 |
| Total domestic deposits to total assets | 81.0489% | 4,263 |
| Equity capital to assets | 15.5815% | 610 |
| Core capital (leverage) ratio | 15.3085% | 554 |
| Tier 1 risk-based capital ratio | 20.0169% | 1,459 |
| Total risk-based capital ratio | 21.1825% | 1,432 |
| Memoranda: | ||
| Average total assets | $93,014,670 | 4,560 |
| Average earning assets | $90,278,000 | 4,453 |
| Average equity | $14,390,670 | 3,946 |
| Average total loans | $71,565,330 | 4,054 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7253% | 4,230 |
| Cost of funding earning assets | 0.5070% | 2,049 |
| Net interest margin | 3.2183% | 4,521 |
| Noninterest income to average assets | 0.1244% | 5,718 |
| Noninterest expense to average assets | 1.9424% | 5,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2950% | 1,270 |
| Return on assets (ROA) | 1.2950% | 1,350 |
| Pretax return on assets | 1.3121% | 2,253 |
| Return on Equity (ROE) | 8.3997% | 2,703 |
| Retained earnings to average equity (ytd only) | 0.0556% | 5,093 |
| Net charge-offs to loans | 0.8377% | 245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.1103% | 2,727 |
| Efficiency ratio | 59.6838% | 4,789 |
| Assets per employee ($millions) | 9.3732% | 349 |
| Cash dividends to net income (ytd only)* | 99.3377% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 3,603 |
| Loan loss allowance to noncurrent loans | 224.5283% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3379% | 1,594 |
| Noncurrent loans to loans | 0.5253% | 3,610 |
| Net loans and leases to total assets | 74.4623% | 1,653 |
| Net loans and leases to deposits | 91.5560% | 1,397 |
| Net loans and leases to core deposits | 99.0632% | 1,560 |
| Total domestic deposits to total assets | 81.3297% | 4,397 |
| Equity capital to assets | 15.3565% | 626 |
| Core capital (leverage) ratio | 15.2600% | 566 |
| Tier 1 risk-based capital ratio | 21.6266% | 1,214 |
| Total risk-based capital ratio | 22.8766% | 1,192 |
| Memoranda: | ||
| Average total assets | $93,284,500 | 4,592 |
| Average earning assets | $90,731,000 | 4,485 |
| Average equity | $14,381,500 | 3,954 |
| Average total loans | $69,240,000 | 4,128 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5101% | 4,891 |
| Cost of funding earning assets | 0.5020% | 2,138 |
| Net interest margin | 3.0081% | 5,120 |
| Noninterest income to average assets | 0.1151% | 5,826 |
| Noninterest expense to average assets | 1.9371% | 5,564 |
| Loan and lease loss provision to assets | 0.0808% | 2,670 |
| Net operating income to assets | 1.0241% | 2,241 |
| Return on assets (ROA) | 1.0241% | 2,321 |
| Pretax return on assets | 1.0443% | 3,287 |
| Return on Equity (ROE) | 6.8966% | 3,562 |
| Retained earnings to average equity (ytd only) | -3.8836% | 5,864 |
| Net charge-offs to loans | 0.0950% | 2,474 |
| Credit loss provision to net charge-offs | 123.0769% | 2,107 |
| Earnings coverage of net charge-offs (x) | 17.1385% | 2,091 |
| Efficiency ratio | 63.2586% | 4,400 |
| Assets per employee ($millions) | 9.2837% | 348 |
| Cash dividends to net income (ytd only)* | 156.3116% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 2,248 |
| Loan loss allowance to noncurrent loans | 30.6008% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 3.4426% | 348 |
| Noncurrent loans to loans | 4.7103% | 218 |
| Net loans and leases to total assets | 72.0338% | 2,044 |
| Net loans and leases to deposits | 88.8077% | 1,773 |
| Net loans and leases to core deposits | 96.1386% | 1,834 |
| Total domestic deposits to total assets | 81.1121% | 4,450 |
| Equity capital to assets | 15.4777% | 600 |
| Core capital (leverage) ratio | 14.6375% | 681 |
| Tier 1 risk-based capital ratio | 22.4026% | 1,098 |
| Total risk-based capital ratio | 23.6561% | 1,080 |
| Memoranda: | ||
| Average total assets | $99,015,200 | 4,475 |
| Average earning assets | $97,004,600 | 4,369 |
| Average equity | $14,702,800 | 3,880 |
| Average total loans | $68,408,200 | 4,133 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3791% | 5,249 |
| Cost of funding earning assets | 0.4964% | 2,247 |
| Net interest margin | 2.8826% | 5,444 |
| Noninterest income to average assets | 0.1008% | 5,964 |
| Noninterest expense to average assets | 1.7064% | 5,891 |
| Loan and lease loss provision to assets | 0.0040% | 4,179 |
| Net operating income to assets | 1.2158% | 1,596 |
| Return on assets (ROA) | 1.2158% | 1,664 |
| Pretax return on assets | 1.2158% | 2,750 |
| Return on Equity (ROE) | 8.2688% | 2,936 |
| Retained earnings to average equity (ytd only) | -2.4166% | 5,894 |
| Net charge-offs to loans | -0.3073% | 6,086 |
| Credit loss provision to net charge-offs | -1.8987% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3145% | 5,081 |
| Assets per employee ($millions) | 10.0239% | 269 |
| Cash dividends to net income (ytd only)* | 129.2253% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 1,615 |
| Loan loss allowance to noncurrent loans | 36.6362% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 3.0607% | 486 |
| Noncurrent loans to loans | 4.4991% | 242 |
| Net loans and leases to total assets | 66.9081% | 2,862 |
| Net loans and leases to deposits | 81.4248% | 2,713 |
| Net loans and leases to core deposits | 88.0654% | 2,657 |
| Total domestic deposits to total assets | 82.1716% | 4,113 |
| Equity capital to assets | 14.6630% | 818 |
| Core capital (leverage) ratio | 14.3098% | 783 |
| Tier 1 risk-based capital ratio | 22.8535% | 1,073 |
| Total risk-based capital ratio | 24.1114% | 1,054 |
| Memoranda: | ||
| Average total assets | $100,559,750 | 4,500 |
| Average earning assets | $98,565,500 | 4,372 |
| Average equity | $14,786,250 | 3,907 |
| Average total loans | $68,547,250 | 4,169 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3533% | 5,328 |
| Cost of funding earning assets | 0.4903% | 2,347 |
| Net interest margin | 2.8630% | 5,509 |
| Noninterest income to average assets | 0.0974% | 6,037 |
| Noninterest expense to average assets | 1.6311% | 6,035 |
| Loan and lease loss provision to assets | 0.0060% | 3,979 |
| Net operating income to assets | 1.2556% | 1,444 |
| Return on assets (ROA) | 1.2556% | 1,499 |
| Pretax return on assets | 1.2675% | 2,482 |
| Return on Equity (ROE) | 8.5315% | 2,781 |
| Retained earnings to average equity (ytd only) | -4.7652% | 6,009 |
| Net charge-offs to loans | -0.0117% | 4,973 |
| Credit loss provision to net charge-offs | -75.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1560% | 5,416 |
| Assets per employee ($millions) | 10.5938% | 221 |
| Cash dividends to net income (ytd only)* | 155.8544% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 2,741 |
| Loan loss allowance to noncurrent loans | 49.3144% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 1.8586% | 1,230 |
| Noncurrent loans to loans | 2.8467% | 722 |
| Net loans and leases to total assets | 64.3744% | 3,211 |
| Net loans and leases to deposits | 77.3156% | 3,114 |
| Net loans and leases to core deposits | 83.8058% | 2,998 |
| Total domestic deposits to total assets | 83.2619% | 3,849 |
| Equity capital to assets | 13.7854% | 1,064 |
| Core capital (leverage) ratio | 15.0399% | 605 |
| Tier 1 risk-based capital ratio | 22.0654% | 1,201 |
| Total risk-based capital ratio | 23.3180% | 1,179 |
| Memoranda: | ||
| Average total assets | $100,666,670 | 4,540 |
| Average earning assets | $98,709,330 | 4,406 |
| Average equity | $14,815,670 | 3,920 |
| Average total loans | $68,665,670 | 4,201 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 5,107 |
| Cost of funding earning assets | 0.4995% | 2,283 |
| Net interest margin | 2.9429% | 5,366 |
| Noninterest income to average assets | 0.1102% | 6,036 |
| Noninterest expense to average assets | 1.6485% | 6,061 |
| Loan and lease loss provision to assets | 0.0163% | 3,516 |
| Net operating income to assets | 1.3220% | 1,203 |
| Return on assets (ROA) | 1.3220% | 1,286 |
| Pretax return on assets | 1.3302% | 2,157 |
| Return on Equity (ROE) | 8.6855% | 2,607 |
| Retained earnings to average equity (ytd only) | -2.0373% | 5,690 |
| Net charge-offs to loans | -0.0117% | 4,787 |
| Credit loss provision to net charge-offs | -200.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0409% | 5,594 |
| Assets per employee ($millions) | 10.7553% | 214 |
| Cash dividends to net income (ytd only)* | 123.4568% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 2,848 |
| Loan loss allowance to noncurrent loans | 49.2128% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.0341% | 1,163 |
| Noncurrent loans to loans | 2.8745% | 785 |
| Net loans and leases to total assets | 69.7628% | 2,172 |
| Net loans and leases to deposits | 85.7261% | 1,865 |
| Net loans and leases to core deposits | 94.1499% | 1,753 |
| Total domestic deposits to total assets | 81.3787% | 4,710 |
| Equity capital to assets | 15.3898% | 647 |
| Core capital (leverage) ratio | 15.2518% | 574 |
| Tier 1 risk-based capital ratio | 22.9584% | 1,107 |
| Total risk-based capital ratio | 24.2082% | 1,095 |
| Memoranda: | ||
| Average total assets | $98,031,000 | 4,623 |
| Average earning assets | $96,094,500 | 4,502 |
| Average equity | $14,921,500 | 3,926 |
| Average total loans | $68,414,500 | 4,223 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2827% | 5,726 |
| Cost of funding earning assets | 0.4906% | 2,767 |
| Net interest margin | 2.7921% | 5,822 |
| Noninterest income to average assets | 0.1366% | 6,008 |
| Noninterest expense to average assets | 1.8759% | 5,964 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0023% | 2,371 |
| Return on assets (ROA) | 1.0023% | 2,451 |
| Pretax return on assets | 1.0023% | 3,487 |
| Return on Equity (ROE) | 6.6444% | 3,818 |
| Retained earnings to average equity (ytd only) | -1.0578% | 5,927 |
| Net charge-offs to loans | 0.3215% | 1,376 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.7183% | 3,580 |
| Efficiency ratio | 65.1767% | 4,376 |
| Assets per employee ($millions) | 11.0293% | 188 |
| Cash dividends to net income (ytd only)* | 115.9204% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 2,905 |
| Loan loss allowance to noncurrent loans | 48.9081% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 1.9836% | 1,288 |
| Noncurrent loans to loans | 2.8816% | 796 |
| Net loans and leases to total assets | 67.8675% | 2,576 |
| Net loans and leases to deposits | 83.0606% | 2,330 |
| Net loans and leases to core deposits | 90.7118% | 2,210 |
| Total domestic deposits to total assets | 81.7084% | 4,523 |
| Equity capital to assets | 15.0568% | 697 |
| Core capital (leverage) ratio | 15.0058% | 612 |
| Tier 1 risk-based capital ratio | 23.2090% | 1,052 |
| Total risk-based capital ratio | 24.4599% | 1,030 |
| Memoranda: | ||
| Average total assets | $100,273,000 | 4,589 |
| Average earning assets | $98,456,600 | 4,439 |
| Average equity | $15,125,600 | 3,810 |
| Average total loans | $66,259,000 | 4,288 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2221% | 5,877 |
| Cost of funding earning assets | 0.4902% | 2,858 |
| Net interest margin | 2.7319% | 5,970 |
| Noninterest income to average assets | 0.1114% | 6,202 |
| Noninterest expense to average assets | 1.6911% | 6,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1035% | 2,013 |
| Return on assets (ROA) | 1.1035% | 2,078 |
| Pretax return on assets | 1.1035% | 3,171 |
| Return on Equity (ROE) | 7.3123% | 3,549 |
| Retained earnings to average equity (ytd only) | -0.1142% | 5,817 |
| Net charge-offs to loans | -0.3062% | 6,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5126% | 5,118 |
| Assets per employee ($millions) | 10.8782% | 189 |
| Cash dividends to net income (ytd only)* | 101.5622% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9952% | 1,270 |
| Loan loss allowance to noncurrent loans | 67.3946% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 2.0112% | 1,422 |
| Noncurrent loans to loans | 2.9605% | 904 |
| Net loans and leases to total assets | 66.5785% | 2,761 |
| Net loans and leases to deposits | 78.9427% | 2,846 |
| Net loans and leases to core deposits | 88.4125% | 2,379 |
| Total domestic deposits to total assets | 84.3377% | 3,624 |
| Equity capital to assets | 15.4243% | 646 |
| Core capital (leverage) ratio | 14.8673% | 645 |
| Tier 1 risk-based capital ratio | 23.5497% | 1,043 |
| Total risk-based capital ratio | 24.8097% | 1,025 |
| Memoranda: | ||
| Average total assets | $100,525,250 | 4,632 |
| Average earning assets | $98,732,000 | 4,476 |
| Average equity | $15,170,500 | 3,824 |
| Average total loans | $65,741,000 | 4,342 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2008% | 5,953 |
| Cost of funding earning assets | 0.4900% | 2,925 |
| Net interest margin | 2.7109% | 6,043 |
| Noninterest income to average assets | 0.1006% | 6,281 |
| Noninterest expense to average assets | 1.6568% | 6,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0986% | 1,947 |
| Return on assets (ROA) | 1.0986% | 2,013 |
| Pretax return on assets | 1.1065% | 3,080 |
| Return on Equity (ROE) | 7.3320% | 3,453 |
| Retained earnings to average equity (ytd only) | -0.2369% | 5,723 |
| Net charge-offs to loans | -0.4612% | 6,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9572% | 5,302 |
| Assets per employee ($millions) | 9.2526% | 302 |
| Cash dividends to net income (ytd only)* | 103.2316% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0862% | 1,205 |
| Loan loss allowance to noncurrent loans | 71.1528% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.8324% | 1,769 |
| Noncurrent loans to loans | 2.9321% | 1,012 |
| Net loans and leases to total assets | 61.1914% | 3,541 |
| Net loans and leases to deposits | 71.9576% | 3,574 |
| Net loans and leases to core deposits | 86.9990% | 2,419 |
| Total domestic deposits to total assets | 85.0382% | 3,485 |
| Equity capital to assets | 14.8321% | 742 |
| Core capital (leverage) ratio | 15.0149% | 607 |
| Tier 1 risk-based capital ratio | 23.9592% | 991 |
| Total risk-based capital ratio | 25.2162% | 972 |
| Memoranda: | ||
| Average total assets | $101,399,000 | 4,645 |
| Average earning assets | $99,598,670 | 4,480 |
| Average equity | $15,193,670 | 3,824 |
| Average total loans | $65,484,670 | 4,376 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2321% | 5,964 |
| Cost of funding earning assets | 0.5112% | 2,797 |
| Net interest margin | 2.7209% | 6,081 |
| Noninterest income to average assets | 0.0988% | 6,338 |
| Noninterest expense to average assets | 1.7548% | 6,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0157% | 2,150 |
| Return on assets (ROA) | 1.0157% | 2,216 |
| Pretax return on assets | 1.0157% | 3,266 |
| Return on Equity (ROE) | 6.7443% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.7443% | 2,167 |
| Net charge-offs to loans | -1.1020% | 6,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3381% | 4,956 |
| Assets per employee ($millions) | 9.1288% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1043% | 1,318 |
| Loan loss allowance to noncurrent loans | 72.8686% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.8573% | 1,870 |
| Noncurrent loans to loans | 2.8878% | 1,127 |
| Net loans and leases to total assets | 62.9605% | 3,078 |
| Net loans and leases to deposits | 74.4553% | 3,016 |
| Net loans and leases to core deposits | 88.5414% | 2,039 |
| Total domestic deposits to total assets | 84.5614% | 4,059 |
| Equity capital to assets | 15.3072% | 627 |
| Core capital (leverage) ratio | 15.1026% | 588 |
| Tier 1 risk-based capital ratio | 24.2387% | 970 |
| Total risk-based capital ratio | 25.4940% | 954 |
| Memoranda: | ||
| Average total assets | $101,209,000 | 4,704 |
| Average earning assets | $99,378,000 | 4,528 |
| Average equity | $15,242,500 | 3,821 |
| Average total loans | $66,423,500 | 4,375 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 4,877 |
| Cost of funding earning assets | 0.7572% | 1,460 |
| Net interest margin | 3.0229% | 5,524 |
| Noninterest income to average assets | 0.0897% | 6,423 |
| Noninterest expense to average assets | 1.7743% | 6,365 |
| Loan and lease loss provision to assets | 0.0987% | 3,152 |
| Net operating income to assets | 0.9316% | 2,638 |
| Return on assets (ROA) | 0.9316% | 2,717 |
| Pretax return on assets | 0.9432% | 3,588 |
| Return on Equity (ROE) | 6.7767% | 3,686 |
| Retained earnings to average equity (ytd only) | 0.6398% | 5,545 |
| Net charge-offs to loans | 0.5765% | 1,144 |
| Credit loss provision to net charge-offs | 24.7191% | 4,358 |
| Earnings coverage of net charge-offs (x) | 2.6090% | 4,127 |
| Efficiency ratio | 63.0019% | 5,057 |
| Assets per employee ($millions) | 9.2728% | 297 |
| Cash dividends to net income (ytd only)* | 90.5588% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 2,326 |
| Loan loss allowance to noncurrent loans | 63.0563% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.8284% | 2,004 |
| Noncurrent loans to loans | 2.7320% | 1,321 |
| Net loans and leases to total assets | 65.7729% | 2,726 |
| Net loans and leases to deposits | 77.3387% | 2,811 |
| Net loans and leases to core deposits | 92.1717% | 1,784 |
| Total domestic deposits to total assets | 85.0452% | 3,720 |
| Equity capital to assets | 14.8175% | 706 |
| Core capital (leverage) ratio | 14.4755% | 695 |
| Tier 1 risk-based capital ratio | 22.2118% | 1,226 |
| Total risk-based capital ratio | 23.4624% | 1,202 |
| Memoranda: | ||
| Average total assets | $111,426,000 | 4,470 |
| Average earning assets | $100,498,200 | 4,499 |
| Average equity | $15,317,200 | 3,808 |
| Average total loans | $77,184,200 | 4,017 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8481% | 4,672 |
| Cost of funding earning assets | 0.8152% | 1,239 |
| Net interest margin | 3.0328% | 5,510 |
| Noninterest income to average assets | 0.0855% | 6,522 |
| Noninterest expense to average assets | 1.4823% | 6,651 |
| Loan and lease loss provision to assets | 0.0937% | 3,200 |
| Net operating income to assets | 1.1812% | 1,695 |
| Return on assets (ROA) | 1.1812% | 1,766 |
| Pretax return on assets | 1.1906% | 2,745 |
| Return on Equity (ROE) | 8.7452% | 2,770 |
| Retained earnings to average equity (ytd only) | 5.7954% | 2,543 |
| Net charge-offs to loans | 0.6934% | 867 |
| Credit loss provision to net charge-offs | 19.3705% | 4,083 |
| Earnings coverage of net charge-offs (x) | 2.6538% | 3,950 |
| Efficiency ratio | 53.5790% | 6,138 |
| Assets per employee ($millions) | 9.7005% | 249 |
| Cash dividends to net income (ytd only)* | 33.7299% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 2,732 |
| Loan loss allowance to noncurrent loans | 63.1635% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.7478% | 2,347 |
| Noncurrent loans to loans | 2.6422% | 1,600 |
| Net loans and leases to total assets | 65.0441% | 2,792 |
| Net loans and leases to deposits | 76.3442% | 2,909 |
| Net loans and leases to core deposits | 93.2876% | 1,644 |
| Total domestic deposits to total assets | 85.1986% | 3,632 |
| Equity capital to assets | 14.6983% | 776 |
| Core capital (leverage) ratio | 13.3620% | 1,074 |
| Tier 1 risk-based capital ratio | 21.9685% | 1,324 |
| Total risk-based capital ratio | 23.2236% | 1,310 |
| Memoranda: | ||
| Average total assets | $113,782,250 | 4,456 |
| Average earning assets | $100,585,000 | 4,542 |
| Average equity | $15,368,000 | 3,846 |
| Average total loans | $79,414,000 | 3,989 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 4,149 |
| Cost of funding earning assets | 0.8434% | 1,181 |
| Net interest margin | 3.1455% | 5,138 |
| Noninterest income to average assets | 0.0827% | 6,578 |
| Noninterest expense to average assets | 1.4706% | 6,697 |
| Loan and lease loss provision to assets | 0.0861% | 3,362 |
| Net operating income to assets | 1.2037% | 1,586 |
| Return on assets (ROA) | 1.2037% | 1,689 |
| Pretax return on assets | 1.2106% | 2,624 |
| Return on Equity (ROE) | 9.1596% | 2,553 |
| Retained earnings to average equity (ytd only) | 4.7043% | 3,259 |
| Net charge-offs to loans | -0.0073% | 5,706 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1425% | 6,211 |
| Assets per employee ($millions) | 10.6710% | 185 |
| Cash dividends to net income (ytd only)* | 48.6409% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9888% | 1,878 |
| Loan loss allowance to noncurrent loans | 25.0842% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 5.3118% | 558 |
| Noncurrent loans to loans | 7.9285% | 262 |
| Net loans and leases to total assets | 65.6631% | 2,649 |
| Net loans and leases to deposits | 77.1918% | 2,697 |
| Net loans and leases to core deposits | 93.3813% | 1,579 |
| Total domestic deposits to total assets | 85.0649% | 3,863 |
| Equity capital to assets | 13.0984% | 1,309 |
| Core capital (leverage) ratio | 13.0366% | 1,149 |
| Tier 1 risk-based capital ratio | 19.4099% | 1,879 |
| Total risk-based capital ratio | 20.6686% | 1,853 |
| Memoranda: | ||
| Average total assets | $116,141,000 | 4,439 |
| Average earning assets | $99,124,670 | 4,614 |
| Average equity | $15,262,670 | 3,896 |
| Average total loans | $82,357,330 | 3,919 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 3,486 |
| Cost of funding earning assets | 0.8416% | 1,299 |
| Net interest margin | 3.3147% | 4,463 |
| Noninterest income to average assets | 0.0900% | 6,609 |
| Noninterest expense to average assets | 1.5270% | 6,721 |
| Loan and lease loss provision to assets | 0.1039% | 2,949 |
| Net operating income to assets | 1.3192% | 1,232 |
| Return on assets (ROA) | 1.3192% | 1,335 |
| Pretax return on assets | 1.3366% | 2,094 |
| Return on Equity (ROE) | 10.0220% | 2,056 |
| Retained earnings to average equity (ytd only) | 10.0220% | 1,100 |
| Net charge-offs to loans | -0.0095% | 5,418 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4586% | 6,414 |
| Assets per employee ($millions) | 10.7695% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8578% | 2,428 |
| Loan loss allowance to noncurrent loans | 67.0287% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.9432% | 2,417 |
| Noncurrent loans to loans | 2.7717% | 1,832 |
| Net loans and leases to total assets | 68.8060% | 1,873 |
| Net loans and leases to deposits | 80.7799% | 1,974 |
| Net loans and leases to core deposits | 98.1824% | 1,068 |
| Total domestic deposits to total assets | 85.1771% | 3,958 |
| Equity capital to assets | 12.9971% | 1,427 |
| Core capital (leverage) ratio | 13.2127% | 1,042 |
| Tier 1 risk-based capital ratio | 18.7284% | 2,118 |
| Total risk-based capital ratio | 19.8973% | 2,114 |
| Memoranda: | ||
| Average total assets | $115,521,000 | 4,494 |
| Average earning assets | $100,280,000 | 4,618 |
| Average equity | $15,206,500 | 3,955 |
| Average total loans | $84,216,000 | 3,895 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 3,875 |
| Cost of funding earning assets | 0.9429% | 1,685 |
| Net interest margin | 3.4420% | 4,729 |
| Noninterest income to average assets | 0.1338% | 6,368 |
| Noninterest expense to average assets | 1.7929% | 6,635 |
| Loan and lease loss provision to assets | 0.3075% | 2,220 |
| Net operating income to assets | 1.1557% | 1,754 |
| Return on assets (ROA) | 1.1557% | 1,912 |
| Pretax return on assets | 1.1716% | 2,902 |
| Return on Equity (ROE) | 8.9535% | 2,661 |
| Retained earnings to average equity (ytd only) | 6.1658% | 1,986 |
| Net charge-offs to loans | 0.7092% | 1,664 |
| Credit loss provision to net charge-offs | 55.0794% | 4,577 |
| Earnings coverage of net charge-offs (x) | 2.6492% | 4,106 |
| Efficiency ratio | 54.7941% | 6,201 |
| Assets per employee ($millions) | 10.2343% | 215 |
| Cash dividends to net income (ytd only)* | 31.1350% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7698% | 2,689 |
| Loan loss allowance to noncurrent loans | 58.8625% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 2.2802% | 2,153 |
| Noncurrent loans to loans | 3.0066% | 1,730 |
| Net loans and leases to total assets | 74.4975% | 1,124 |
| Net loans and leases to deposits | 87.8722% | 1,294 |
| Net loans and leases to core deposits | 108.2825% | 601 |
| Total domestic deposits to total assets | 84.7793% | 3,954 |
| Equity capital to assets | 13.3384% | 1,293 |
| Core capital (leverage) ratio | 13.2832% | 1,020 |
| Tier 1 risk-based capital ratio | 18.1372% | 2,208 |
| Total risk-based capital ratio | 19.3946% | 2,175 |
| Memoranda: | ||
| Average total assets | $112,832,600 | 4,524 |
| Average earning assets | $102,875,800 | 4,518 |
| Average equity | $14,564,200 | 4,048 |
| Average total loans | $88,828,600 | 3,775 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 4,051 |
| Cost of funding earning assets | 0.9676% | 1,748 |
| Net interest margin | 3.4318% | 4,916 |
| Noninterest income to average assets | 0.1051% | 6,601 |
| Noninterest expense to average assets | 1.7290% | 6,759 |
| Loan and lease loss provision to assets | 0.2669% | 2,442 |
| Net operating income to assets | 1.2507% | 1,576 |
| Return on assets (ROA) | 1.2507% | 1,739 |
| Pretax return on assets | 1.2507% | 2,785 |
| Return on Equity (ROE) | 9.7705% | 2,459 |
| Retained earnings to average equity (ytd only) | 6.0247% | 2,686 |
| Net charge-offs to loans | 0.0773% | 4,632 |
| Credit loss provision to net charge-offs | 434.6154% | 620 |
| Earnings coverage of net charge-offs (x) | 24.7121% | 1,269 |
| Efficiency ratio | 53.2557% | 6,323 |
| Assets per employee ($millions) | 10.0849% | 228 |
| Cash dividends to net income (ytd only)* | 38.3382% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2765% | 1,568 |
| Loan loss allowance to noncurrent loans | 89.4139% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.9841% | 2,668 |
| Noncurrent loans to loans | 2.5460% | 2,244 |
| Net loans and leases to total assets | 76.1543% | 955 |
| Net loans and leases to deposits | 89.9155% | 1,154 |
| Net loans and leases to core deposits | 104.4329% | 848 |
| Total domestic deposits to total assets | 84.6954% | 3,890 |
| Equity capital to assets | 13.3151% | 1,430 |
| Core capital (leverage) ratio | 13.1988% | 1,113 |
| Tier 1 risk-based capital ratio | 17.5914% | 2,500 |
| Total risk-based capital ratio | 18.8550% | 2,466 |
| Memoranda: | ||
| Average total assets | $112,896,500 | 4,566 |
| Average earning assets | $103,345,750 | 4,558 |
| Average equity | $14,451,250 | 4,116 |
| Average total loans | $89,691,250 | 3,802 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 4,220 |
| Cost of funding earning assets | 0.9820% | 1,870 |
| Net interest margin | 3.4092% | 5,047 |
| Noninterest income to average assets | 0.1145% | 6,616 |
| Noninterest expense to average assets | 1.7331% | 6,814 |
| Loan and lease loss provision to assets | 0.0881% | 4,481 |
| Net operating income to assets | 1.4020% | 1,192 |
| Return on assets (ROA) | 1.4020% | 1,330 |
| Pretax return on assets | 1.4179% | 2,141 |
| Return on Equity (ROE) | 11.0982% | 1,961 |
| Retained earnings to average equity (ytd only) | 5.4376% | 3,024 |
| Net charge-offs to loans | 0.1300% | 3,888 |
| Credit loss provision to net charge-offs | 84.7458% | 3,193 |
| Earnings coverage of net charge-offs (x) | 14.4915% | 1,715 |
| Efficiency ratio | 53.5073% | 6,364 |
| Assets per employee ($millions) | 10.6363% | 195 |
| Cash dividends to net income (ytd only)* | 51.0050% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9487% | 2,376 |
| Loan loss allowance to noncurrent loans | 80.2969% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.9000% | 2,904 |
| Noncurrent loans to loans | 2.4269% | 2,474 |
| Net loans and leases to total assets | 76.7648% | 870 |
| Net loans and leases to deposits | 90.4271% | 1,106 |
| Net loans and leases to core deposits | 105.2080% | 783 |
| Total domestic deposits to total assets | 84.8913% | 3,903 |
| Equity capital to assets | 12.4001% | 1,878 |
| Core capital (leverage) ratio | 12.7949% | 1,217 |
| Tier 1 risk-based capital ratio | 18.0423% | 2,276 |
| Total risk-based capital ratio | 19.3046% | 2,245 |
| Memoranda: | ||
| Average total assets | $113,550,670 | 4,576 |
| Average earning assets | $104,072,670 | 4,569 |
| Average equity | $14,344,670 | 4,127 |
| Average total loans | $90,772,000 | 3,785 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4224% | 4,233 |
| Cost of funding earning assets | 1.0301% | 1,810 |
| Net interest margin | 3.3923% | 5,150 |
| Noninterest income to average assets | 0.1323% | 6,585 |
| Noninterest expense to average assets | 1.7599% | 6,841 |
| Loan and lease loss provision to assets | 0.0715% | 4,507 |
| Net operating income to assets | 1.4165% | 1,189 |
| Return on assets (ROA) | 1.4165% | 1,334 |
| Pretax return on assets | 1.4344% | 2,070 |
| Return on Equity (ROE) | 11.1057% | 1,980 |
| Retained earnings to average equity (ytd only) | 8.1329% | 1,929 |
| Net charge-offs to loans | 0.2612% | 2,626 |
| Credit loss provision to net charge-offs | 33.8983% | 3,556 |
| Earnings coverage of net charge-offs (x) | 7.1356% | 2,110 |
| Efficiency ratio | 53.8883% | 6,363 |
| Assets per employee ($millions) | 10.1028% | 225 |
| Cash dividends to net income (ytd only)* | 26.7677% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 2,530 |
| Loan loss allowance to noncurrent loans | 76.9399% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 2.0525% | 2,820 |
| Noncurrent loans to loans | 2.5312% | 2,576 |
| Net loans and leases to total assets | 79.5107% | 457 |
| Net loans and leases to deposits | 94.3846% | 636 |
| Net loans and leases to core deposits | 108.5849% | 587 |
| Total domestic deposits to total assets | 84.2411% | 4,381 |
| Equity capital to assets | 12.9649% | 1,456 |
| Core capital (leverage) ratio | 12.9223% | 1,150 |
| Tier 1 risk-based capital ratio | 18.4107% | 2,171 |
| Total risk-based capital ratio | 19.6731% | 2,137 |
| Memoranda: | ||
| Average total assets | $111,826,500 | 4,657 |
| Average earning assets | $103,292,500 | 4,623 |
| Average equity | $14,263,000 | 4,144 |
| Average total loans | $90,358,500 | 3,819 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 3,433 |
| Cost of funding earning assets | 1.1271% | 2,488 |
| Net interest margin | 3.7570% | 4,041 |
| Noninterest income to average assets | 0.1164% | 6,564 |
| Noninterest expense to average assets | 1.7250% | 7,038 |
| Loan and lease loss provision to assets | 1.2120% | 723 |
| Net operating income to assets | 0.6681% | 3,640 |
| Return on assets (ROA) | 0.6681% | 3,828 |
| Pretax return on assets | 0.6611% | 4,467 |
| Return on Equity (ROE) | 5.2174% | 4,283 |
| Retained earnings to average equity (ytd only) | 0.3304% | 5,681 |
| Net charge-offs to loans | 1.2629% | 1,315 |
| Credit loss provision to net charge-offs | 114.3927% | 2,858 |
| Earnings coverage of net charge-offs (x) | 1.7679% | 4,455 |
| Efficiency ratio | 47.9422% | 6,951 |
| Assets per employee ($millions) | 14.0653% | 103 |
| Cash dividends to net income (ytd only)* | 93.6675% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9801% | 2,343 |
| Loan loss allowance to noncurrent loans | 3,517.6471% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 6,846 |
| Noncurrent loans to loans | 0.0563% | 6,678 |
| Net loans and leases to total assets | 78.9241% | 618 |
| Net loans and leases to deposits | 94.2149% | 800 |
| Net loans and leases to core deposits | 106.5637% | 772 |
| Total domestic deposits to total assets | 83.7703% | 4,425 |
| Equity capital to assets | 12.5469% | 1,774 |
| Core capital (leverage) ratio | 12.7265% | 1,253 |
| Tier 1 risk-based capital ratio | 17.8684% | 2,243 |
| Total risk-based capital ratio | 19.1315% | 2,205 |
| Memoranda: | ||
| Average total assets | $113,448,400 | 4,560 |
| Average earning assets | $105,137,600 | 4,523 |
| Average equity | $14,528,400 | 4,004 |
| Average total loans | $95,176,400 | 3,741 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 3,395 |
| Cost of funding earning assets | 1.1548% | 2,605 |
| Net interest margin | 3.7824% | 3,956 |
| Noninterest income to average assets | 0.1173% | 6,671 |
| Noninterest expense to average assets | 1.6584% | 7,136 |
| Loan and lease loss provision to assets | 0.5231% | 1,890 |
| Net operating income to assets | 1.4426% | 1,072 |
| Return on assets (ROA) | 1.4426% | 1,147 |
| Pretax return on assets | 1.4508% | 1,782 |
| Return on Equity (ROE) | 11.2088% | 1,787 |
| Retained earnings to average equity (ytd only) | 8.2471% | 1,411 |
| Net charge-offs to loans | 0.4277% | 3,005 |
| Credit loss provision to net charge-offs | 144.3366% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.4466% | 2,781 |
| Efficiency ratio | 45.6571% | 7,079 |
| Assets per employee ($millions) | 13.7546% | 113 |
| Cash dividends to net income (ytd only)* | 26.4226% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8894% | 2,648 |
| Loan loss allowance to noncurrent loans | 1,758.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 6,829 |
| Noncurrent loans to loans | 0.1075% | 6,660 |
| Net loans and leases to total assets | 82.9603% | 292 |
| Net loans and leases to deposits | 100.4180% | 455 |
| Net loans and leases to core deposits | 111.7180% | 620 |
| Total domestic deposits to total assets | 82.6149% | 4,829 |
| Equity capital to assets | 13.6091% | 1,321 |
| Core capital (leverage) ratio | 13.5188% | 1,038 |
| Tier 1 risk-based capital ratio | 18.4717% | 2,097 |
| Total risk-based capital ratio | 19.7336% | 2,060 |
| Memoranda: | ||
| Average total assets | $113,680,000 | 4,587 |
| Average earning assets | $105,643,500 | 4,533 |
| Average equity | $14,631,000 | 3,992 |
| Average total loans | $96,320,250 | 3,744 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9701% | 3,316 |
| Cost of funding earning assets | 1.1605% | 2,842 |
| Net interest margin | 3.8096% | 3,735 |
| Noninterest income to average assets | 0.1166% | 6,749 |
| Noninterest expense to average assets | 1.4935% | 7,311 |
| Loan and lease loss provision to assets | 0.6127% | 1,561 |
| Net operating income to assets | 1.5423% | 819 |
| Return on assets (ROA) | 1.5423% | 869 |
| Pretax return on assets | 1.5475% | 1,381 |
| Return on Equity (ROE) | 12.2069% | 1,435 |
| Retained earnings to average equity (ytd only) | 12.2069% | 497 |
| Net charge-offs to loans | 0.1663% | 4,178 |
| Credit loss provision to net charge-offs | 434.5679% | 695 |
| Earnings coverage of net charge-offs (x) | 15.3210% | 1,414 |
| Efficiency ratio | 40.8766% | 7,321 |
| Assets per employee ($millions) | 15.8033% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0001% | 2,374 |
| Loan loss allowance to noncurrent loans | 1,017.2043% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 6,675 |
| Noncurrent loans to loans | 0.1966% | 6,516 |
| Net loans and leases to total assets | 83.8008% | 255 |
| Net loans and leases to deposits | 101.2760% | 437 |
| Net loans and leases to core deposits | 117.3055% | 496 |
| Total domestic deposits to total assets | 82.7450% | 4,880 |
| Equity capital to assets | 13.5216% | 1,280 |
| Core capital (leverage) ratio | 13.3550% | 1,046 |
| Tier 1 risk-based capital ratio | 18.3327% | 2,064 |
| Total risk-based capital ratio | 19.5963% | 2,016 |
| Memoranda: | ||
| Average total assets | $114,894,330 | 4,589 |
| Average earning assets | $106,679,000 | 4,542 |
| Average equity | $14,516,330 | 4,007 |
| Average total loans | $97,412,000 | 3,753 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 2,975 |
| Cost of funding earning assets | 1.1821% | 2,930 |
| Net interest margin | 3.8445% | 3,396 |
| Noninterest income to average assets | 0.1572% | 6,595 |
| Noninterest expense to average assets | 1.4287% | 7,403 |
| Loan and lease loss provision to assets | 0.7588% | 1,124 |
| Net operating income to assets | 1.5381% | 803 |
| Return on assets (ROA) | 1.5381% | 842 |
| Pretax return on assets | 1.5381% | 1,331 |
| Return on Equity (ROE) | 12.5914% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.5914% | 656 |
| Net charge-offs to loans | -0.0040% | 6,221 |
| Credit loss provision to net charge-offs | -22,200.0000% | 6,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3486% | 7,416 |
| Assets per employee ($millions) | 16.5459% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8976% | 2,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 82.3098% | 322 |
| Net loans and leases to deposits | 103.4183% | 331 |
| Net loans and leases to core deposits | 118.5220% | 458 |
| Total domestic deposits to total assets | 79.5892% | 6,041 |
| Equity capital to assets | 12.5366% | 1,611 |
| Core capital (leverage) ratio | 12.7598% | 1,214 |
| Tier 1 risk-based capital ratio | 17.1230% | 2,426 |
| Total risk-based capital ratio | 18.3849% | 2,398 |
| Memoranda: | ||
| Average total assets | $117,030,000 | 4,560 |
| Average earning assets | $108,624,000 | 4,508 |
| Average equity | $14,295,500 | 4,049 |
| Average total loans | $98,820,500 | 3,753 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 3,576 |
| Cost of funding earning assets | 1.5163% | 2,548 |
| Net interest margin | 3.6892% | 4,395 |
| Noninterest income to average assets | 0.5708% | 3,670 |
| Noninterest expense to average assets | 2.3757% | 6,154 |
| Loan and lease loss provision to assets | 0.8603% | 1,892 |
| Net operating income to assets | 0.7626% | 2,942 |
| Return on assets (ROA) | 0.7626% | 3,068 |
| Pretax return on assets | 0.7689% | 3,728 |
| Return on Equity (ROE) | 5.9450% | 3,636 |
| Retained earnings to average equity (ytd only) | -1.2575% | 5,850 |
| Net charge-offs to loans | 0.7114% | 2,876 |
| Credit loss provision to net charge-offs | 139.9417% | 2,705 |
| Earnings coverage of net charge-offs (x) | 2.6501% | 3,774 |
| Efficiency ratio | 59.3198% | 6,144 |
| Assets per employee ($millions) | 16.8913% | 77 |
| Cash dividends to net income (ytd only)* | 121.1516% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 3,526 |
| Loan loss allowance to noncurrent loans | 125.4644% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 1.3041% | 4,422 |
| Noncurrent loans to loans | 1.2860% | 4,563 |
| Net loans and leases to total assets | 83.5968% | 337 |
| Net loans and leases to deposits | 103.0344% | 443 |
| Net loans and leases to core deposits | 116.0236% | 639 |
| Total domestic deposits to total assets | 81.1348% | 5,481 |
| Equity capital to assets | 11.9005% | 1,969 |
| Core capital (leverage) ratio | 12.5734% | 1,281 |
| Tier 1 risk-based capital ratio | 15.9698% | 2,769 |
| Total risk-based capital ratio | 17.2273% | 2,715 |
| Memoranda: | ||
| Average total assets | $111,588,200 | 4,670 |
| Average earning assets | $103,869,400 | 4,608 |
| Average equity | $14,314,600 | 4,067 |
| Average total loans | $96,425,200 | 3,887 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2491% | 3,583 |
| Cost of funding earning assets | 1.6311% | 2,206 |
| Net interest margin | 3.6180% | 4,798 |
| Noninterest income to average assets | 0.1249% | 6,928 |
| Noninterest expense to average assets | 2.0365% | 6,986 |
| Loan and lease loss provision to assets | 0.6428% | 2,377 |
| Net operating income to assets | 0.7969% | 3,010 |
| Return on assets (ROA) | 0.7969% | 3,172 |
| Pretax return on assets | 0.8139% | 3,851 |
| Return on Equity (ROE) | 6.0936% | 3,770 |
| Retained earnings to average equity (ytd only) | 4.8786% | 3,070 |
| Net charge-offs to loans | 0.3507% | 3,899 |
| Credit loss provision to net charge-offs | 211.1554% | 1,661 |
| Earnings coverage of net charge-offs (x) | 4.7848% | 2,927 |
| Efficiency ratio | 58.2986% | 6,219 |
| Assets per employee ($millions) | 18.2183% | 69 |
| Cash dividends to net income (ytd only)* | 19.9388% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 3,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3969% | 2,981 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 86.5172% | 165 |
| Net loans and leases to deposits | 109.7492% | 262 |
| Net loans and leases to core deposits | 123.9037% | 500 |
| Total domestic deposits to total assets | 78.8318% | 6,058 |
| Equity capital to assets | 13.5184% | 1,341 |
| Core capital (leverage) ratio | 13.5541% | 1,043 |
| Tier 1 risk-based capital ratio | 17.1838% | 2,280 |
| Total risk-based capital ratio | 18.4420% | 2,242 |
| Memoranda: | ||
| Average total assets | $109,925,500 | 4,773 |
| Average earning assets | $102,338,500 | 4,714 |
| Average equity | $14,375,500 | 4,117 |
| Average total loans | $95,415,250 | 3,984 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2103% | 3,899 |
| Cost of funding earning assets | 1.7166% | 2,031 |
| Net interest margin | 3.4937% | 5,272 |
| Noninterest income to average assets | 0.1217% | 6,994 |
| Noninterest expense to average assets | 2.0648% | 6,986 |
| Loan and lease loss provision to assets | 0.7446% | 1,944 |
| Net operating income to assets | 0.5466% | 4,109 |
| Return on assets (ROA) | 0.5466% | 4,248 |
| Pretax return on assets | 0.5648% | 4,687 |
| Return on Equity (ROE) | 4.2270% | 4,673 |
| Retained earnings to average equity (ytd only) | 2.3874% | 4,641 |
| Net charge-offs to loans | 0.3741% | 3,491 |
| Credit loss provision to net charge-offs | 230.3371% | 1,682 |
| Earnings coverage of net charge-offs (x) | 4.0506% | 3,078 |
| Efficiency ratio | 61.1948% | 5,822 |
| Assets per employee ($millions) | 13.5629% | 125 |
| Cash dividends to net income (ytd only)* | 43.5216% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 3,156 |
| Loan loss allowance to noncurrent loans | 576.2774% | 561 |
| Noncurrent assets plus other real estate owned to assets | 2.5714% | 2,821 |
| Noncurrent loans to loans | 0.2913% | 6,648 |
| Net loans and leases to total assets | 85.2317% | 274 |
| Net loans and leases to deposits | 108.3463% | 315 |
| Net loans and leases to core deposits | 123.5623% | 581 |
| Total domestic deposits to total assets | 78.6660% | 6,118 |
| Equity capital to assets | 13.2909% | 1,443 |
| Core capital (leverage) ratio | 13.3679% | 1,097 |
| Tier 1 risk-based capital ratio | 17.3651% | 2,147 |
| Total risk-based capital ratio | 18.6234% | 2,102 |
| Memoranda: | ||
| Average total assets | $110,130,670 | 4,800 |
| Average earning assets | $102,527,670 | 4,734 |
| Average equity | $14,241,670 | 4,148 |
| Average total loans | $95,154,330 | 4,038 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3202% | 3,445 |
| Cost of funding earning assets | 1.8360% | 1,718 |
| Net interest margin | 3.4842% | 5,222 |
| Noninterest income to average assets | 0.1442% | 6,944 |
| Noninterest expense to average assets | 2.1308% | 6,860 |
| Loan and lease loss provision to assets | 0.0721% | 5,916 |
| Net operating income to assets | 1.2006% | 1,540 |
| Return on assets (ROA) | 1.2006% | 1,615 |
| Pretax return on assets | 1.2186% | 2,299 |
| Return on Equity (ROE) | 9.4121% | 2,336 |
| Retained earnings to average equity (ytd only) | 5.7094% | 2,759 |
| Net charge-offs to loans | 0.0209% | 5,290 |
| Credit loss provision to net charge-offs | 400.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | 71.6000% | 434 |
| Efficiency ratio | 62.2761% | 5,778 |
| Assets per employee ($millions) | 13.4143% | 132 |
| Cash dividends to net income (ytd only)* | 39.3393% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 4,204 |
| Loan loss allowance to noncurrent loans | 301.9956% | 992 |
| Noncurrent assets plus other real estate owned to assets | 3.1170% | 2,292 |
| Noncurrent loans to loans | 0.4771% | 6,343 |
| Net loans and leases to total assets | 86.8135% | 174 |
| Net loans and leases to deposits | 109.0136% | 313 |
| Net loans and leases to core deposits | 124.3384% | 638 |
| Total domestic deposits to total assets | 79.6355% | 5,905 |
| Equity capital to assets | 13.3282% | 1,391 |
| Core capital (leverage) ratio | 12.5183% | 1,398 |
| Tier 1 risk-based capital ratio | 16.9172% | 2,290 |
| Total risk-based capital ratio | 18.1721% | 2,243 |
| Memoranda: | ||
| Average total assets | $110,944,500 | 4,851 |
| Average earning assets | $104,356,000 | 4,748 |
| Average equity | $14,152,000 | 4,212 |
| Average total loans | $95,702,500 | 4,083 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5511% | 3,864 |
| Cost of funding earning assets | 2.4501% | 1,156 |
| Net interest margin | 3.1010% | 6,367 |
| Noninterest income to average assets | 0.1173% | 7,173 |
| Noninterest expense to average assets | 1.6168% | 7,758 |
| Loan and lease loss provision to assets | 2.8097% | 652 |
| Net operating income to assets | -1.3000% | 6,761 |
| Return on assets (ROA) | -1.3000% | 6,766 |
| Pretax return on assets | -1.2982% | 6,594 |
| Return on Equity (ROE) | -10.4372% | 6,653 |
| Retained earnings to average equity (ytd only) | -15.2913% | 6,899 |
| Net charge-offs to loans | 2.9444% | 729 |
| Credit loss provision to net charge-offs | 107.6797% | 5,144 |
| Earnings coverage of net charge-offs (x) | 0.5793% | 5,525 |
| Efficiency ratio | 51.6835% | 7,410 |
| Assets per employee ($millions) | 14.3219% | 121 |
| Cash dividends to net income (ytd only)* | -46.5086% | 7,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 4,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6446% | 2,657 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 83.3803% | 504 |
| Net loans and leases to deposits | 107.3212% | 489 |
| Net loans and leases to core deposits | 179.9996% | 164 |
| Total domestic deposits to total assets | 77.6923% | 6,303 |
| Equity capital to assets | 12.2199% | 1,902 |
| Core capital (leverage) ratio | 11.8952% | 1,710 |
| Tier 1 risk-based capital ratio | 16.0250% | 2,512 |
| Total risk-based capital ratio | 17.2782% | 2,443 |
| Memoranda: | ||
| Average total assets | $116,773,600 | 4,666 |
| Average earning assets | $113,383,600 | 4,464 |
| Average equity | $14,544,200 | 4,135 |
| Average total loans | $103,484,800 | 3,857 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6955% | 3,362 |
| Cost of funding earning assets | 2.5628% | 1,127 |
| Net interest margin | 3.1327% | 6,222 |
| Noninterest income to average assets | 0.1909% | 6,852 |
| Noninterest expense to average assets | 1.6990% | 7,766 |
| Loan and lease loss provision to assets | 0.8989% | 2,138 |
| Net operating income to assets | 0.6375% | 3,462 |
| Return on assets (ROA) | 0.6375% | 3,530 |
| Pretax return on assets | 0.6603% | 3,986 |
| Return on Equity (ROE) | 5.0952% | 3,924 |
| Retained earnings to average equity (ytd only) | -1.3170% | 5,562 |
| Net charge-offs to loans | 0.4730% | 3,330 |
| Credit loss provision to net charge-offs | 212.0643% | 2,070 |
| Earnings coverage of net charge-offs (x) | 3.6783% | 3,425 |
| Efficiency ratio | 52.1451% | 7,399 |
| Assets per employee ($millions) | 13.0360% | 139 |
| Cash dividends to net income (ytd only)* | 125.8469% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 3,572 |
| Loan loss allowance to noncurrent loans | 577.7358% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 6,955 |
| Noncurrent loans to loans | 0.2555% | 6,873 |
| Net loans and leases to total assets | 87.0956% | 266 |
| Net loans and leases to deposits | 114.0434% | 324 |
| Net loans and leases to core deposits | 187.7071% | 146 |
| Total domestic deposits to total assets | 76.3706% | 6,506 |
| Equity capital to assets | 13.7022% | 1,415 |
| Core capital (leverage) ratio | 13.8487% | 1,130 |
| Tier 1 risk-based capital ratio | 17.7968% | 2,049 |
| Total risk-based capital ratio | 19.0522% | 1,994 |
| Memoranda: | ||
| Average total assets | $117,323,250 | 4,663 |
| Average earning assets | $114,871,750 | 4,454 |
| Average equity | $14,680,000 | 4,151 |
| Average total loans | $105,136,000 | 3,849 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7478% | 3,305 |
| Cost of funding earning assets | 2.6745% | 1,094 |
| Net interest margin | 3.0733% | 6,322 |
| Noninterest income to average assets | 0.2472% | 6,513 |
| Noninterest expense to average assets | 1.6178% | 7,900 |
| Loan and lease loss provision to assets | 0.3938% | 3,554 |
| Net operating income to assets | 1.2189% | 1,430 |
| Return on assets (ROA) | 1.2189% | 1,508 |
| Pretax return on assets | 1.2444% | 2,179 |
| Return on Equity (ROE) | 10.0600% | 2,000 |
| Retained earnings to average equity (ytd only) | 0.1266% | 5,155 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6859% | 7,686 |
| Assets per employee ($millions) | 10.5552% | 229 |
| Cash dividends to net income (ytd only)* | 98.7413% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 4,278 |
| Loan loss allowance to noncurrent loans | 214.3541% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 6,081 |
| Noncurrent loans to loans | 0.6060% | 6,050 |
| Net loans and leases to total assets | 87.9534% | 237 |
| Net loans and leases to deposits | 114.3587% | 381 |
| Net loans and leases to core deposits | 184.4753% | 189 |
| Total domestic deposits to total assets | 76.9101% | 6,347 |
| Equity capital to assets | 13.1172% | 1,652 |
| Core capital (leverage) ratio | 13.2495% | 1,346 |
| Tier 1 risk-based capital ratio | 16.9331% | 2,324 |
| Total risk-based capital ratio | 18.1795% | 2,274 |
| Memoranda: | ||
| Average total assets | $117,323,000 | 4,704 |
| Average earning assets | $114,860,670 | 4,491 |
| Average equity | $14,214,670 | 4,261 |
| Average total loans | $105,609,670 | 3,869 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6716% | 3,933 |
| Cost of funding earning assets | 2.7856% | 1,013 |
| Net interest margin | 2.8860% | 6,778 |
| Noninterest income to average assets | 0.1119% | 7,473 |
| Noninterest expense to average assets | 1.5365% | 7,959 |
| Loan and lease loss provision to assets | 0.0407% | 6,457 |
| Net operating income to assets | 1.3330% | 1,307 |
| Return on assets (ROA) | 1.3330% | 1,404 |
| Pretax return on assets | 1.3601% | 2,088 |
| Return on Equity (ROE) | 11.4686% | 1,826 |
| Retained earnings to average equity (ytd only) | -0.8171% | 5,839 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3095% | 7,383 |
| Assets per employee ($millions) | 9.5601% | 302 |
| Cash dividends to net income (ytd only)* | 107.1247% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 5,691 |
| Loan loss allowance to noncurrent loans | 63.8842% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.5350% | 3,634 |
| Noncurrent loans to loans | 1.6744% | 3,749 |
| Net loans and leases to total assets | 90.6983% | 113 |
| Net loans and leases to deposits | 116.3389% | 381 |
| Net loans and leases to core deposits | 194.4206% | 157 |
| Total domestic deposits to total assets | 77.9604% | 6,026 |
| Equity capital to assets | 11.9359% | 2,302 |
| Core capital (leverage) ratio | 11.4113% | 2,200 |
| Tier 1 risk-based capital ratio | 15.0731% | 3,031 |
| Total risk-based capital ratio | 16.3115% | 2,978 |
| Memoranda: | ||
| Average total assets | $117,931,000 | 4,706 |
| Average earning assets | $115,452,000 | 4,492 |
| Average equity | $13,707,000 | 4,401 |
| Average total loans | $106,682,500 | 3,867 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2573% | 4,202 |
| Cost of funding earning assets | 2.9867% | 1,915 |
| Net interest margin | 3.2706% | 6,137 |
| Noninterest income to average assets | 0.1307% | 7,457 |
| Noninterest expense to average assets | 1.5671% | 7,992 |
| Loan and lease loss provision to assets | 0.1706% | 5,198 |
| Net operating income to assets | 1.5813% | 863 |
| Return on assets (ROA) | 1.5813% | 829 |
| Pretax return on assets | 1.5963% | 1,391 |
| Return on Equity (ROE) | 14.2666% | 1,053 |
| Retained earnings to average equity (ytd only) | 8.9654% | 616 |
| Net charge-offs to loans | 0.0997% | 5,320 |
| Credit loss provision to net charge-offs | 197.1154% | 2,483 |
| Earnings coverage of net charge-offs (x) | 20.4135% | 1,572 |
| Efficiency ratio | 47.0045% | 7,873 |
| Assets per employee ($millions) | 10.0951% | 254 |
| Cash dividends to net income (ytd only)* | 37.1579% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 5,788 |
| Loan loss allowance to noncurrent loans | 746.9799% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 7,087 |
| Noncurrent loans to loans | 0.1377% | 6,998 |
| Net loans and leases to total assets | 88.3904% | 334 |
| Net loans and leases to deposits | 114.8858% | 577 |
| Net loans and leases to core deposits | 187.3318% | 228 |
| Total domestic deposits to total assets | 76.9376% | 6,014 |
| Equity capital to assets | 11.3265% | 2,777 |
| Core capital (leverage) ratio | 11.4874% | 2,260 |
| Tier 1 risk-based capital ratio | 14.5121% | 3,287 |
| Total risk-based capital ratio | 15.6892% | 3,235 |
| Memoranda: | ||
| Average total assets | $120,154,800 | 4,516 |
| Average earning assets | $117,686,600 | 4,319 |
| Average equity | $13,317,800 | 4,494 |
| Average total loans | $104,333,800 | 3,840 |