Home > Alliance Community Bank > Performance and Condition Ratios
Alliance Community 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 | 3.9271% | 4,059 |
| Cost of funding earning assets | 1.4234% | 2,165 |
| Net interest margin | 2.5037% | 4,085 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.2804% | 2,902 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.5310% | 3,606 |
| Return on assets (ROA) | 0.5310% | 3,589 |
| Pretax return on assets | 0.5377% | 3,749 |
| Return on Equity (ROE) | 9.0100% | 2,753 |
| Retained earnings to average equity (ytd only) | 1.6916% | 3,655 |
| Net charge-offs to loans | 0.0628% | 1,228 |
| Credit loss provision to net charge-offs | 340.0000% | 873 |
| Earnings coverage of net charge-offs (x) | 19.3000% | 1,902 |
| Efficiency ratio | 74.0576% | 1,455 |
| Assets per employee ($millions) | 6.4036% | 2,479 |
| Cash dividends to net income (ytd only)* | 81.2347% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 3,135 |
| Loan loss allowance to noncurrent loans | 592.1914% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 2,857 |
| Noncurrent loans to loans | 0.1747% | 2,644 |
| Net loans and leases to total assets | 56.6400% | 3,149 |
| Net loans and leases to deposits | 63.1200% | 3,340 |
| Net loans and leases to core deposits | 67.2698% | 3,443 |
| Total domestic deposits to total assets | 89.7300% | 834 |
| Equity capital to assets | 6.4813% | 4,122 |
| Core capital (leverage) ratio | 8.5187% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1706% | 1,809 |
| Memoranda: | ||
| Average total assets | $384,405,000 | 2,059 |
| Average earning assets | $357,231,800 | 2,057 |
| Average equity | $22,641,600 | 2,650 |
| Average total loans | $207,029,200 | 2,245 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7981% | 4,118 |
| Cost of funding earning assets | 1.2675% | 2,229 |
| Net interest margin | 2.5306% | 4,110 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.2927% | 2,816 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.5151% | 3,732 |
| Return on assets (ROA) | 0.5151% | 3,723 |
| Pretax return on assets | 0.5207% | 3,871 |
| Return on Equity (ROE) | 8.9800% | 2,934 |
| Retained earnings to average equity (ytd only) | 0.5975% | 4,031 |
| Net charge-offs to loans | 0.0125% | 1,944 |
| Credit loss provision to net charge-offs | 1,384.2105% | 321 |
| Earnings coverage of net charge-offs (x) | 92.2105% | 962 |
| Efficiency ratio | 75.1565% | 1,257 |
| Assets per employee ($millions) | 6.7581% | 2,133 |
| Cash dividends to net income (ytd only)* | 93.3469% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,138 |
| Loan loss allowance to noncurrent loans | 423.3333% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 2,647 |
| Noncurrent loans to loans | 0.2464% | 2,361 |
| Net loans and leases to total assets | 55.3300% | 3,264 |
| Net loans and leases to deposits | 62.1641% | 3,394 |
| Net loans and leases to core deposits | 63.3166% | 3,564 |
| Total domestic deposits to total assets | 89.0100% | 1,247 |
| Equity capital to assets | 5.0790% | 4,235 |
| Core capital (leverage) ratio | 8.3020% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9531% | 1,914 |
| Memoranda: | ||
| Average total assets | $381,250,750 | 2,075 |
| Average earning assets | $354,167,500 | 2,072 |
| Average equity | $21,869,000 | 2,691 |
| Average total loans | $201,983,250 | 2,271 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6702% | 4,175 |
| Cost of funding earning assets | 1.0782% | 2,357 |
| Net interest margin | 2.5920% | 4,120 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.3803% | 2,554 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.4655% | 3,882 |
| Return on assets (ROA) | 0.4655% | 3,882 |
| Pretax return on assets | 0.4681% | 4,018 |
| Return on Equity (ROE) | 7.8100% | 3,288 |
| Retained earnings to average equity (ytd only) | -1.7227% | 4,273 |
| Net charge-offs to loans | 0.0163% | 1,595 |
| Credit loss provision to net charge-offs | 1,075.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 1,142 |
| Efficiency ratio | 77.2293% | 1,069 |
| Assets per employee ($millions) | 5.8084% | 2,876 |
| Cash dividends to net income (ytd only)* | 122.0705% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,165 |
| Loan loss allowance to noncurrent loans | 807.7491% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,066 |
| Noncurrent loans to loans | 0.1306% | 2,824 |
| Net loans and leases to total assets | 53.5600% | 3,296 |
| Net loans and leases to deposits | 58.0889% | 3,528 |
| Net loans and leases to core deposits | 59.0251% | 3,677 |
| Total domestic deposits to total assets | 92.2100% | 371 |
| Equity capital to assets | 5.6903% | 4,236 |
| Core capital (leverage) ratio | 8.4188% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4340% | 1,746 |
| Memoranda: | ||
| Average total assets | $377,677,667 | 2,090 |
| Average earning assets | $351,151,667 | 2,089 |
| Average equity | $22,522,667 | 2,659 |
| Average total loans | $196,250,333 | 2,313 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 4,273 |
| Cost of funding earning assets | 0.8343% | 2,583 |
| Net interest margin | 2.6636% | 4,129 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.3477% | 2,682 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6328% | 3,629 |
| Return on assets (ROA) | 0.6328% | 3,585 |
| Pretax return on assets | 0.6413% | 3,775 |
| Return on Equity (ROE) | 10.3700% | 2,674 |
| Retained earnings to average equity (ytd only) | -3.2697% | 4,251 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.6439% | 1,279 |
| Assets per employee ($millions) | 6.2003% | 2,582 |
| Cash dividends to net income (ytd only)* | 131.5346% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 3,292 |
| Loan loss allowance to noncurrent loans | 602.7027% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 2,931 |
| Noncurrent loans to loans | 0.1743% | 2,606 |
| Net loans and leases to total assets | 49.9700% | 3,497 |
| Net loans and leases to deposits | 54.4012% | 3,659 |
| Net loans and leases to core deposits | 55.0876% | 3,789 |
| Total domestic deposits to total assets | 91.8600% | 549 |
| Equity capital to assets | 6.0304% | 4,192 |
| Core capital (leverage) ratio | 8.5731% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0546% | 1,608 |
| Memoranda: | ||
| Average total assets | $374,840,000 | 2,134 |
| Average earning assets | $348,551,000 | 2,128 |
| Average equity | $22,877,000 | 2,655 |
| Average total loans | $190,611,500 | 2,369 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0352% | 4,091 |
| Cost of funding earning assets | 0.3974% | 2,131 |
| Net interest margin | 2.6378% | 4,127 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 2.3264% | 2,653 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8736% | 3,068 |
| Return on assets (ROA) | 0.8736% | 3,004 |
| Pretax return on assets | 0.8828% | 3,412 |
| Return on Equity (ROE) | 11.9000% | 2,174 |
| Retained earnings to average equity (ytd only) | 4.7660% | 3,150 |
| Net charge-offs to loans | -0.0292% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.7842% | 1,867 |
| Assets per employee ($millions) | 6.1910% | 2,602 |
| Cash dividends to net income (ytd only)* | 59.9504% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7255% | 4,171 |
| Loan loss allowance to noncurrent loans | 247.7558% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 2,012 |
| Noncurrent loans to loans | 0.2928% | 2,092 |
| Net loans and leases to total assets | 50.8400% | 3,446 |
| Net loans and leases to deposits | 56.2264% | 3,562 |
| Net loans and leases to core deposits | 56.9062% | 3,682 |
| Total domestic deposits to total assets | 90.4100% | 1,193 |
| Equity capital to assets | 6.1772% | 4,027 |
| Core capital (leverage) ratio | 8.8889% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0765% | 1,609 |
| Memoranda: | ||
| Average total assets | $369,281,200 | 2,144 |
| Average earning assets | $342,517,200 | 2,144 |
| Average equity | $27,108,800 | 2,474 |
| Average total loans | $174,752,000 | 2,411 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9055% | 4,053 |
| Cost of funding earning assets | 0.3030% | 2,129 |
| Net interest margin | 2.6026% | 4,095 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.3080% | 2,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7250% | 3,497 |
| Return on assets (ROA) | 0.7250% | 3,446 |
| Pretax return on assets | 0.7333% | 3,728 |
| Return on Equity (ROE) | 9.5000% | 2,874 |
| Retained earnings to average equity (ytd only) | 1.5204% | 4,133 |
| Net charge-offs to loans | -0.0359% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.1793% | 1,490 |
| Assets per employee ($millions) | 6.0180% | 2,746 |
| Cash dividends to net income (ytd only)* | 83.9900% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 4,181 |
| Loan loss allowance to noncurrent loans | 182.4490% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 2,043 |
| Noncurrent loans to loans | 0.4120% | 1,786 |
| Net loans and leases to total assets | 49.0400% | 3,528 |
| Net loans and leases to deposits | 52.8040% | 3,678 |
| Net loans and leases to core deposits | 53.3433% | 3,787 |
| Total domestic deposits to total assets | 92.8700% | 615 |
| Equity capital to assets | 5.7326% | 4,063 |
| Core capital (leverage) ratio | 8.5006% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3719% | 1,608 |
| Memoranda: | ||
| Average total assets | $368,736,500 | 2,163 |
| Average earning assets | $341,959,000 | 2,158 |
| Average equity | $28,149,500 | 2,454 |
| Average total loans | $170,885,500 | 2,448 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7384% | 4,088 |
| Cost of funding earning assets | 0.2572% | 2,172 |
| Net interest margin | 2.4812% | 4,115 |
| Noninterest income to average assets | 0.6302% | 1,618 |
| Noninterest expense to average assets | 2.3179% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6076% | 3,608 |
| Return on assets (ROA) | 0.6076% | 3,554 |
| Pretax return on assets | 0.6146% | 3,785 |
| Return on Equity (ROE) | 7.3646% | 3,198 |
| Retained earnings to average equity (ytd only) | -0.5288% | 4,241 |
| Net charge-offs to loans | -0.0665% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2204% | 1,364 |
| Assets per employee ($millions) | 5.8817% | 2,849 |
| Cash dividends to net income (ytd only)* | 107.1809% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 4,166 |
| Loan loss allowance to noncurrent loans | 117.5805% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 1,542 |
| Noncurrent loans to loans | 0.6853% | 1,260 |
| Net loans and leases to total assets | 44.8797% | 3,764 |
| Net loans and leases to deposits | 48.0961% | 3,918 |
| Net loans and leases to core deposits | 48.5706% | 4,001 |
| Total domestic deposits to total assets | 93.3126% | 434 |
| Equity capital to assets | 6.1938% | 4,138 |
| Core capital (leverage) ratio | 8.2149% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7280% | 1,502 |
| Memoranda: | ||
| Average total assets | $371,289,333 | 2,154 |
| Average earning assets | $344,504,333 | 2,165 |
| Average equity | $30,633,000 | 2,386 |
| Average total loans | $168,376,333 | 2,479 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6389% | 4,051 |
| Cost of funding earning assets | 0.2424% | 2,241 |
| Net interest margin | 2.3964% | 4,076 |
| Noninterest income to average assets | 0.6253% | 1,587 |
| Noninterest expense to average assets | 2.3096% | 2,466 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5274% | 3,632 |
| Return on assets (ROA) | 0.5274% | 3,602 |
| Pretax return on assets | 0.5392% | 3,790 |
| Return on Equity (ROE) | 5.6854% | 3,430 |
| Retained earnings to average equity (ytd only) | -4.6876% | 4,412 |
| Net charge-offs to loans | -0.0190% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1439% | 1,390 |
| Assets per employee ($millions) | 6.2300% | 2,611 |
| Cash dividends to net income (ytd only)* | 182.4490% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 4,261 |
| Loan loss allowance to noncurrent loans | 104.9960% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 1,596 |
| Noncurrent loans to loans | 0.7522% | 1,265 |
| Net loans and leases to total assets | 43.0724% | 3,815 |
| Net loans and leases to deposits | 47.0985% | 3,923 |
| Net loans and leases to core deposits | 47.6223% | 4,001 |
| Total domestic deposits to total assets | 91.4517% | 829 |
| Equity capital to assets | 8.0578% | 3,524 |
| Core capital (leverage) ratio | 7.8813% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6111% | 1,612 |
| Memoranda: | ||
| Average total assets | $371,660,000 | 2,165 |
| Average earning assets | $344,844,000 | 2,168 |
| Average equity | $34,474,000 | 2,271 |
| Average total loans | $168,738,500 | 2,467 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9627% | 3,937 |
| Cost of funding earning assets | 0.2559% | 2,859 |
| Net interest margin | 2.7068% | 3,858 |
| Noninterest income to average assets | 0.8640% | 1,294 |
| Noninterest expense to average assets | 2.3615% | 2,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9894% | 2,716 |
| Return on assets (ROA) | 1.0051% | 2,718 |
| Pretax return on assets | 1.0193% | 3,204 |
| Return on Equity (ROE) | 8.6907% | 3,013 |
| Retained earnings to average equity (ytd only) | -4.1921% | 4,689 |
| Net charge-offs to loans | 0.0069% | 2,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 303.6364% | 404 |
| Efficiency ratio | 66.5119% | 2,190 |
| Assets per employee ($millions) | 5.7665% | 2,992 |
| Cash dividends to net income (ytd only)* | 148.2367% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 4,347 |
| Loan loss allowance to noncurrent loans | 70.3422% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 1,192 |
| Noncurrent loans to loans | 1.0673% | 909 |
| Net loans and leases to total assets | 47.1224% | 3,587 |
| Net loans and leases to deposits | 53.1243% | 3,655 |
| Net loans and leases to core deposits | 53.9226% | 3,756 |
| Total domestic deposits to total assets | 88.7022% | 1,663 |
| Equity capital to assets | 10.5496% | 2,124 |
| Core capital (leverage) ratio | 8.3302% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4541% | 1,695 |
| Memoranda: | ||
| Average total assets | $332,886,600 | 2,280 |
| Average earning assets | $307,558,600 | 2,292 |
| Average equity | $38,501,000 | 2,136 |
| Average total loans | $159,327,600 | 2,548 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0436% | 3,919 |
| Cost of funding earning assets | 0.2543% | 3,079 |
| Net interest margin | 2.7893% | 3,806 |
| Noninterest income to average assets | 0.7075% | 1,802 |
| Noninterest expense to average assets | 2.3228% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9461% | 3,095 |
| Return on assets (ROA) | 0.9698% | 3,101 |
| Pretax return on assets | 0.9850% | 3,505 |
| Return on Equity (ROE) | 8.1842% | 3,351 |
| Retained earnings to average equity (ytd only) | 0.2283% | 4,530 |
| Net charge-offs to loans | 0.0607% | 1,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 33.0141% | 1,475 |
| Efficiency ratio | 66.9080% | 1,982 |
| Assets per employee ($millions) | 5.8467% | 2,836 |
| Cash dividends to net income (ytd only)* | 97.2105% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 4,396 |
| Loan loss allowance to noncurrent loans | 92.3019% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 1,750 |
| Noncurrent loans to loans | 0.8347% | 1,372 |
| Net loans and leases to total assets | 47.7290% | 3,650 |
| Net loans and leases to deposits | 54.5031% | 3,695 |
| Net loans and leases to core deposits | 55.3161% | 3,828 |
| Total domestic deposits to total assets | 87.5711% | 2,081 |
| Equity capital to assets | 11.5182% | 1,658 |
| Core capital (leverage) ratio | 8.8800% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6171% | 1,450 |
| Memoranda: | ||
| Average total assets | $325,285,250 | 2,344 |
| Average earning assets | $300,423,250 | 2,356 |
| Average equity | $38,544,750 | 2,160 |
| Average total loans | $156,037,750 | 2,621 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2244% | 3,624 |
| Cost of funding earning assets | 0.2505% | 3,278 |
| Net interest margin | 2.9739% | 3,384 |
| Noninterest income to average assets | 0.7185% | 1,751 |
| Noninterest expense to average assets | 2.3594% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0879% | 2,585 |
| Return on assets (ROA) | 1.0879% | 2,655 |
| Pretax return on assets | 1.1041% | 3,204 |
| Return on Equity (ROE) | 9.0938% | 3,067 |
| Retained earnings to average equity (ytd only) | -1.5286% | 4,642 |
| Net charge-offs to loans | -0.0427% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4532% | 2,369 |
| Assets per employee ($millions) | 5.7963% | 2,813 |
| Cash dividends to net income (ytd only)* | 116.8091% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 4,191 |
| Loan loss allowance to noncurrent loans | 85.0699% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 1,784 |
| Noncurrent loans to loans | 1.0419% | 1,179 |
| Net loans and leases to total assets | 44.5387% | 4,010 |
| Net loans and leases to deposits | 50.8442% | 4,058 |
| Net loans and leases to core deposits | 51.6385% | 4,150 |
| Total domestic deposits to total assets | 87.5985% | 2,040 |
| Equity capital to assets | 11.2739% | 1,774 |
| Core capital (leverage) ratio | 8.8114% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5776% | 1,216 |
| Memoranda: | ||
| Average total assets | $322,626,000 | 2,348 |
| Average earning assets | $297,794,667 | 2,363 |
| Average equity | $38,597,667 | 2,151 |
| Average total loans | $154,617,667 | 2,643 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5319% | 2,823 |
| Cost of funding earning assets | 0.2542% | 3,434 |
| Net interest margin | 3.2777% | 2,454 |
| Noninterest income to average assets | 0.7675% | 1,669 |
| Noninterest expense to average assets | 2.4480% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3196% | 1,765 |
| Return on assets (ROA) | 1.3196% | 1,849 |
| Pretax return on assets | 1.3399% | 2,458 |
| Return on Equity (ROE) | 10.7020% | 2,456 |
| Retained earnings to average equity (ytd only) | 2.4855% | 3,919 |
| Net charge-offs to loans | -0.0588% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2170% | 2,875 |
| Assets per employee ($millions) | 5.7434% | 2,861 |
| Cash dividends to net income (ytd only)* | 76.7754% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 4,312 |
| Loan loss allowance to noncurrent loans | 70.8045% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 1,596 |
| Noncurrent loans to loans | 1.1904% | 1,106 |
| Net loans and leases to total assets | 47.7584% | 3,840 |
| Net loans and leases to deposits | 54.8483% | 3,883 |
| Net loans and leases to core deposits | 55.5704% | 4,002 |
| Total domestic deposits to total assets | 87.0735% | 2,287 |
| Equity capital to assets | 11.7675% | 1,403 |
| Core capital (leverage) ratio | 9.3387% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6999% | 1,123 |
| Memoranda: | ||
| Average total assets | $315,847,000 | 2,369 |
| Average earning assets | $291,059,500 | 2,377 |
| Average equity | $38,946,000 | 2,130 |
| Average total loans | $156,391,000 | 2,632 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5228% | 3,980 |
| Cost of funding earning assets | 0.3565% | 3,840 |
| Net interest margin | 3.1664% | 3,446 |
| Noninterest income to average assets | 0.9744% | 1,098 |
| Noninterest expense to average assets | 2.5474% | 2,700 |
| Loan and lease loss provision to assets | 0.2993% | 1,256 |
| Net operating income to assets | 1.0069% | 2,265 |
| Return on assets (ROA) | 1.0552% | 2,222 |
| Pretax return on assets | 1.0699% | 2,813 |
| Return on Equity (ROE) | 8.0721% | 2,786 |
| Retained earnings to average equity (ytd only) | 2.0266% | 3,811 |
| Net charge-offs to loans | 0.2866% | 598 |
| Credit loss provision to net charge-offs | 195.7303% | 2,181 |
| Earnings coverage of net charge-offs (x) | 8.6360% | 2,585 |
| Efficiency ratio | 62.2191% | 3,087 |
| Assets per employee ($millions) | 5.3389% | 3,008 |
| Cash dividends to net income (ytd only)* | 74.8942% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 4,340 |
| Loan loss allowance to noncurrent loans | 67.9147% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.6496% | 1,615 |
| Noncurrent loans to loans | 1.2398% | 1,116 |
| Net loans and leases to total assets | 50.5384% | 3,783 |
| Net loans and leases to deposits | 58.8579% | 3,840 |
| Net loans and leases to core deposits | 59.8215% | 3,955 |
| Total domestic deposits to total assets | 85.8652% | 2,420 |
| Equity capital to assets | 12.9364% | 1,118 |
| Core capital (leverage) ratio | 9.6173% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7751% | 1,094 |
| Memoranda: | ||
| Average total assets | $291,044,000 | 2,339 |
| Average earning assets | $265,952,000 | 2,364 |
| Average equity | $38,044,400 | 2,090 |
| Average total loans | $155,269,600 | 2,616 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6791% | 3,844 |
| Cost of funding earning assets | 0.3808% | 3,911 |
| Net interest margin | 3.2984% | 3,200 |
| Noninterest income to average assets | 0.9500% | 1,121 |
| Noninterest expense to average assets | 2.5695% | 2,633 |
| Loan and lease loss provision to assets | 0.2989% | 1,348 |
| Net operating income to assets | 1.0776% | 2,054 |
| Return on assets (ROA) | 1.1427% | 1,959 |
| Pretax return on assets | 1.1580% | 2,536 |
| Return on Equity (ROE) | 8.7181% | 2,517 |
| Retained earnings to average equity (ytd only) | 1.4707% | 4,093 |
| Net charge-offs to loans | 0.0163% | 2,550 |
| Credit loss provision to net charge-offs | 3,394.7368% | 317 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 578 |
| Efficiency ratio | 61.2847% | 3,180 |
| Assets per employee ($millions) | 5.3438% | 2,839 |
| Cash dividends to net income (ytd only)* | 83.1306% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 3,836 |
| Loan loss allowance to noncurrent loans | 59.2680% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.8672% | 1,338 |
| Noncurrent loans to loans | 1.6264% | 861 |
| Net loans and leases to total assets | 51.7066% | 3,985 |
| Net loans and leases to deposits | 60.3950% | 4,033 |
| Net loans and leases to core deposits | 61.3395% | 4,141 |
| Total domestic deposits to total assets | 85.6140% | 2,214 |
| Equity capital to assets | 13.0867% | 1,143 |
| Core capital (leverage) ratio | 9.7067% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1470% | 1,028 |
| Memoranda: | ||
| Average total assets | $287,725,250 | 2,342 |
| Average earning assets | $262,628,250 | 2,359 |
| Average equity | $37,713,500 | 2,096 |
| Average total loans | $155,311,000 | 2,622 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8587% | 3,723 |
| Cost of funding earning assets | 0.4141% | 3,974 |
| Net interest margin | 3.4445% | 2,960 |
| Noninterest income to average assets | 0.8518% | 1,282 |
| Noninterest expense to average assets | 2.6588% | 2,493 |
| Loan and lease loss provision to assets | 0.2163% | 1,927 |
| Net operating income to assets | 1.1028% | 1,955 |
| Return on assets (ROA) | 1.1984% | 1,770 |
| Pretax return on assets | 1.2139% | 2,318 |
| Return on Equity (ROE) | 9.1376% | 2,300 |
| Retained earnings to average equity (ytd only) | -0.5318% | 4,408 |
| Net charge-offs to loans | 0.0077% | 2,673 |
| Credit loss provision to net charge-offs | 5,116.6667% | 234 |
| Earnings coverage of net charge-offs (x) | 315.5000% | 309 |
| Efficiency ratio | 62.9786% | 2,959 |
| Assets per employee ($millions) | 5.2257% | 2,907 |
| Cash dividends to net income (ytd only)* | 105.8201% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7439% | 4,481 |
| Loan loss allowance to noncurrent loans | 42.6046% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 0.9488% | 1,280 |
| Noncurrent loans to loans | 1.7459% | 820 |
| Net loans and leases to total assets | 52.9055% | 3,962 |
| Net loans and leases to deposits | 62.6402% | 3,969 |
| Net loans and leases to core deposits | 63.6677% | 4,095 |
| Total domestic deposits to total assets | 84.4594% | 2,573 |
| Equity capital to assets | 12.9542% | 1,184 |
| Core capital (leverage) ratio | 9.8377% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3569% | 1,170 |
| Memoranda: | ||
| Average total assets | $283,883,667 | 2,342 |
| Average earning assets | $258,846,000 | 2,366 |
| Average equity | $37,230,667 | 2,110 |
| Average total loans | $155,002,000 | 2,613 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7634% | 4,277 |
| Cost of funding earning assets | 0.4718% | 4,064 |
| Net interest margin | 3.2916% | 3,610 |
| Noninterest income to average assets | 0.5995% | 2,049 |
| Noninterest expense to average assets | 2.6956% | 2,714 |
| Loan and lease loss provision to assets | 0.1083% | 2,322 |
| Net operating income to assets | 0.7754% | 2,996 |
| Return on assets (ROA) | 0.9693% | 2,388 |
| Pretax return on assets | 0.9867% | 2,880 |
| Return on Equity (ROE) | 7.3428% | 2,804 |
| Retained earnings to average equity (ytd only) | -1.4116% | 4,191 |
| Net charge-offs to loans | -0.0026% | 3,701 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9288% | 2,233 |
| Assets per employee ($millions) | 4.5501% | 3,195 |
| Cash dividends to net income (ytd only)* | 119.2250% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6212% | 4,730 |
| Loan loss allowance to noncurrent loans | 29.9030% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.1518% | 1,110 |
| Noncurrent loans to loans | 2.0775% | 663 |
| Net loans and leases to total assets | 55.0996% | 3,902 |
| Net loans and leases to deposits | 64.5853% | 3,946 |
| Net loans and leases to core deposits | 65.6330% | 4,105 |
| Total domestic deposits to total assets | 85.3130% | 2,285 |
| Equity capital to assets | 12.9799% | 1,439 |
| Core capital (leverage) ratio | 10.2539% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1824% | 1,306 |
| Memoranda: | ||
| Average total assets | $276,893,000 | 2,343 |
| Average earning assets | $251,793,500 | 2,360 |
| Average equity | $36,553,000 | 2,129 |
| Average total loans | $153,119,000 | 2,611 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9439% | 4,359 |
| Cost of funding earning assets | 0.5247% | 3,990 |
| Net interest margin | 3.4192% | 3,683 |
| Noninterest income to average assets | 0.8192% | 1,389 |
| Noninterest expense to average assets | 2.7139% | 2,846 |
| Loan and lease loss provision to assets | 0.1153% | 1,830 |
| Net operating income to assets | 1.0763% | 2,541 |
| Return on assets (ROA) | 1.1547% | 2,336 |
| Pretax return on assets | 1.1670% | 2,959 |
| Return on Equity (ROE) | 8.8517% | 2,822 |
| Retained earnings to average equity (ytd only) | 2.5385% | 3,758 |
| Net charge-offs to loans | 0.0699% | 2,093 |
| Credit loss provision to net charge-offs | 306.7308% | 903 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,520 |
| Efficiency ratio | 65.5007% | 2,842 |
| Assets per employee ($millions) | 4.5283% | 3,180 |
| Cash dividends to net income (ytd only)* | 71.3212% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5776% | 4,780 |
| Loan loss allowance to noncurrent loans | 24.0371% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 824 |
| Noncurrent loans to loans | 2.4031% | 470 |
| Net loans and leases to total assets | 54.8346% | 4,016 |
| Net loans and leases to deposits | 64.0557% | 4,070 |
| Net loans and leases to core deposits | 64.9378% | 4,238 |
| Total domestic deposits to total assets | 85.6046% | 2,232 |
| Equity capital to assets | 13.4234% | 1,316 |
| Core capital (leverage) ratio | 10.2946% | 3,195 |
| Tier 1 risk-based capital ratio | 16.5920% | 2,189 |
| Total risk-based capital ratio | 17.1199% | 2,396 |
| Memoranda: | ||
| Average total assets | $276,611,000 | 2,297 |
| Average earning assets | $250,616,400 | 2,335 |
| Average equity | $36,083,600 | 2,092 |
| Average total loans | $148,703,200 | 2,636 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9773% | 4,407 |
| Cost of funding earning assets | 0.5210% | 4,059 |
| Net interest margin | 3.4563% | 3,714 |
| Noninterest income to average assets | 0.7700% | 1,520 |
| Noninterest expense to average assets | 2.6853% | 2,904 |
| Loan and lease loss provision to assets | 0.0805% | 2,301 |
| Net operating income to assets | 1.1228% | 2,483 |
| Return on assets (ROA) | 1.2273% | 2,179 |
| Pretax return on assets | 1.2393% | 2,857 |
| Return on Equity (ROE) | 9.4766% | 2,684 |
| Retained earnings to average equity (ytd only) | 2.1171% | 4,230 |
| Net charge-offs to loans | 0.0036% | 3,286 |
| Credit loss provision to net charge-offs | 4,175.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 630.3790% | 157 |
| Efficiency ratio | 65.0686% | 2,850 |
| Assets per employee ($millions) | 4.5404% | 3,137 |
| Cash dividends to net income (ytd only)* | 77.6600% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5589% | 4,880 |
| Loan loss allowance to noncurrent loans | 23.1414% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 916 |
| Noncurrent loans to loans | 2.4149% | 495 |
| Net loans and leases to total assets | 54.0828% | 4,176 |
| Net loans and leases to deposits | 63.0922% | 4,231 |
| Net loans and leases to core deposits | 63.9777% | 4,371 |
| Total domestic deposits to total assets | 85.7203% | 2,113 |
| Equity capital to assets | 13.5764% | 1,328 |
| Core capital (leverage) ratio | 10.2283% | 3,389 |
| Tier 1 risk-based capital ratio | 16.8820% | 2,122 |
| Total risk-based capital ratio | 17.3958% | 2,314 |
| Memoranda: | ||
| Average total assets | $276,707,000 | 2,308 |
| Average earning assets | $250,549,500 | 2,354 |
| Average equity | $35,834,750 | 2,113 |
| Average total loans | $147,792,000 | 2,671 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 4,460 |
| Cost of funding earning assets | 0.4891% | 4,164 |
| Net interest margin | 3.4721% | 3,682 |
| Noninterest income to average assets | 0.7155% | 1,653 |
| Noninterest expense to average assets | 2.7497% | 2,753 |
| Loan and lease loss provision to assets | 0.0884% | 2,075 |
| Net operating income to assets | 1.0117% | 2,875 |
| Return on assets (ROA) | 1.1527% | 2,386 |
| Pretax return on assets | 1.1642% | 3,028 |
| Return on Equity (ROE) | 9.0434% | 2,836 |
| Retained earnings to average equity (ytd only) | -0.5642% | 4,773 |
| Net charge-offs to loans | 0.0027% | 3,080 |
| Credit loss provision to net charge-offs | 6,150.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 772.0000% | 100 |
| Efficiency ratio | 67.4180% | 2,622 |
| Assets per employee ($millions) | 4.7017% | 2,877 |
| Cash dividends to net income (ytd only)* | 106.2383% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5346% | 4,972 |
| Loan loss allowance to noncurrent loans | 29.6674% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 1,463 |
| Noncurrent loans to loans | 1.8021% | 834 |
| Net loans and leases to total assets | 52.6482% | 4,314 |
| Net loans and leases to deposits | 61.0384% | 4,374 |
| Net loans and leases to core deposits | 61.6493% | 4,514 |
| Total domestic deposits to total assets | 86.2541% | 1,913 |
| Equity capital to assets | 13.0793% | 1,553 |
| Core capital (leverage) ratio | 9.8814% | 3,728 |
| Tier 1 risk-based capital ratio | 15.7745% | 2,513 |
| Total risk-based capital ratio | 16.2430% | 2,765 |
| Memoranda: | ||
| Average total assets | $278,135,670 | 2,307 |
| Average earning assets | $251,896,000 | 2,349 |
| Average equity | $35,451,330 | 2,119 |
| Average total loans | $147,669,000 | 2,684 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 4,480 |
| Cost of funding earning assets | 0.4579% | 4,249 |
| Net interest margin | 3.4882% | 3,621 |
| Noninterest income to average assets | 0.6621% | 1,770 |
| Noninterest expense to average assets | 2.7605% | 2,702 |
| Loan and lease loss provision to assets | 0.1422% | 1,204 |
| Net operating income to assets | 0.8723% | 3,338 |
| Return on assets (ROA) | 0.9192% | 3,199 |
| Pretax return on assets | 0.9594% | 3,588 |
| Return on Equity (ROE) | 7.3068% | 3,546 |
| Retained earnings to average equity (ytd only) | -1.2901% | 4,683 |
| Net charge-offs to loans | 0.0567% | 1,479 |
| Credit loss provision to net charge-offs | 471.4286% | 633 |
| Earnings coverage of net charge-offs (x) | 34.9048% | 1,240 |
| Efficiency ratio | 68.5499% | 2,558 |
| Assets per employee ($millions) | 4.8175% | 2,768 |
| Cash dividends to net income (ytd only)* | 117.6563% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4999% | 5,081 |
| Loan loss allowance to noncurrent loans | 30.2240% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 0.8786% | 1,609 |
| Noncurrent loans to loans | 1.6539% | 945 |
| Net loans and leases to total assets | 52.8592% | 4,284 |
| Net loans and leases to deposits | 60.9754% | 4,361 |
| Net loans and leases to core deposits | 61.5753% | 4,505 |
| Total domestic deposits to total assets | 86.6894% | 1,966 |
| Equity capital to assets | 12.6449% | 1,657 |
| Core capital (leverage) ratio | 9.9051% | 3,708 |
| Tier 1 risk-based capital ratio | 15.1675% | 2,809 |
| Total risk-based capital ratio | 15.5986% | 3,103 |
| Memoranda: | ||
| Average total assets | $278,503,500 | 2,323 |
| Average earning assets | $251,591,500 | 2,368 |
| Average equity | $35,036,000 | 2,141 |
| Average total loans | $148,088,000 | 2,713 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 4,420 |
| Cost of funding earning assets | 0.4192% | 3,870 |
| Net interest margin | 3.4118% | 3,971 |
| Noninterest income to average assets | 0.9007% | 1,177 |
| Noninterest expense to average assets | 2.9883% | 2,077 |
| Loan and lease loss provision to assets | 0.0124% | 3,894 |
| Net operating income to assets | 1.0069% | 2,976 |
| Return on assets (ROA) | 1.0112% | 2,939 |
| Pretax return on assets | 1.0217% | 3,537 |
| Return on Equity (ROE) | 9.1536% | 2,916 |
| Retained earnings to average equity (ytd only) | -11.4744% | 5,332 |
| Net charge-offs to loans | 0.0697% | 2,121 |
| Credit loss provision to net charge-offs | 31.7460% | 3,340 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,728 |
| Efficiency ratio | 73.3199% | 1,716 |
| Assets per employee ($millions) | 4.5507% | 3,083 |
| Cash dividends to net income (ytd only)* | 225.3530% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4494% | 5,175 |
| Loan loss allowance to noncurrent loans | 69.3111% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 2,759 |
| Noncurrent loans to loans | 0.6484% | 2,370 |
| Net loans and leases to total assets | 52.9819% | 4,350 |
| Net loans and leases to deposits | 61.1334% | 4,424 |
| Net loans and leases to core deposits | 61.7228% | 4,552 |
| Total domestic deposits to total assets | 86.6660% | 1,936 |
| Equity capital to assets | 12.5148% | 1,572 |
| Core capital (leverage) ratio | 9.8685% | 3,726 |
| Tier 1 risk-based capital ratio | 15.1186% | 2,773 |
| Total risk-based capital ratio | 15.5030% | 3,105 |
| Memoranda: | ||
| Average total assets | $161,096,200 | 3,261 |
| Average earning assets | $147,196,400 | 3,283 |
| Average equity | $17,796,200 | 3,318 |
| Average total loans | $90,392,400 | 3,473 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8778% | 4,262 |
| Cost of funding earning assets | 0.4394% | 3,604 |
| Net interest margin | 3.4384% | 3,899 |
| Noninterest income to average assets | 0.8810% | 1,251 |
| Noninterest expense to average assets | 3.1369% | 1,672 |
| Loan and lease loss provision to assets | 0.0101% | 3,786 |
| Net operating income to assets | 0.8830% | 3,610 |
| Return on assets (ROA) | 0.8830% | 3,613 |
| Pretax return on assets | 0.8961% | 4,034 |
| Return on Equity (ROE) | 8.5935% | 3,293 |
| Retained earnings to average equity (ytd only) | 1.9960% | 4,581 |
| Net charge-offs to loans | 0.0088% | 3,105 |
| Credit loss provision to net charge-offs | 200.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 179.3058% | 479 |
| Efficiency ratio | 77.5862% | 1,161 |
| Assets per employee ($millions) | 3.8610% | 4,093 |
| Cash dividends to net income (ytd only)* | 76.7734% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 4,165 |
| Loan loss allowance to noncurrent loans | 69.7356% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7778% | 1,916 |
| Noncurrent loans to loans | 1.3255% | 1,259 |
| Net loans and leases to total assets | 58.1345% | 4,025 |
| Net loans and leases to deposits | 65.4399% | 4,242 |
| Net loans and leases to core deposits | 66.0459% | 4,407 |
| Total domestic deposits to total assets | 88.8364% | 903 |
| Equity capital to assets | 10.2038% | 3,448 |
| Core capital (leverage) ratio | 11.1881% | 2,426 |
| Tier 1 risk-based capital ratio | 18.3836% | 1,694 |
| Total risk-based capital ratio | 19.2745% | 1,743 |
| Memoranda: | ||
| Average total assets | $131,972,500 | 3,659 |
| Average earning assets | $121,370,250 | 3,660 |
| Average equity | $13,560,250 | 3,833 |
| Average total loans | $76,056,250 | 3,784 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 4,297 |
| Cost of funding earning assets | 0.4204% | 3,571 |
| Net interest margin | 3.4011% | 3,950 |
| Noninterest income to average assets | 0.9289% | 1,112 |
| Noninterest expense to average assets | 3.0649% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9712% | 3,137 |
| Return on assets (ROA) | 0.9712% | 3,140 |
| Pretax return on assets | 0.9848% | 3,710 |
| Return on Equity (ROE) | 9.4305% | 2,841 |
| Retained earnings to average equity (ytd only) | 1.2780% | 4,697 |
| Net charge-offs to loans | 0.0158% | 2,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 661 |
| Efficiency ratio | 75.6817% | 1,468 |
| Assets per employee ($millions) | 3.5672% | 4,506 |
| Cash dividends to net income (ytd only)* | 86.4486% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 4,259 |
| Loan loss allowance to noncurrent loans | 91.6340% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 2,493 |
| Noncurrent loans to loans | 1.0016% | 1,747 |
| Net loans and leases to total assets | 57.3398% | 4,057 |
| Net loans and leases to deposits | 64.5095% | 4,246 |
| Net loans and leases to core deposits | 65.3908% | 4,402 |
| Total domestic deposits to total assets | 88.8859% | 980 |
| Equity capital to assets | 10.2284% | 3,417 |
| Core capital (leverage) ratio | 11.1617% | 2,378 |
| Tier 1 risk-based capital ratio | 18.4506% | 1,682 |
| Total risk-based capital ratio | 19.3380% | 1,738 |
| Memoranda: | ||
| Average total assets | $132,205,000 | 3,674 |
| Average earning assets | $121,315,330 | 3,682 |
| Average equity | $13,615,330 | 3,853 |
| Average total loans | $75,732,330 | 3,816 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 4,375 |
| Cost of funding earning assets | 0.4053% | 3,541 |
| Net interest margin | 3.3380% | 4,086 |
| Noninterest income to average assets | 0.7074% | 1,795 |
| Noninterest expense to average assets | 2.8870% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8676% | 3,426 |
| Return on assets (ROA) | 0.8676% | 3,440 |
| Pretax return on assets | 0.8827% | 3,901 |
| Return on Equity (ROE) | 8.3961% | 3,194 |
| Retained earnings to average equity (ytd only) | -4.0664% | 5,146 |
| Net charge-offs to loans | 0.0106% | 2,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 441 |
| Efficiency ratio | 76.5838% | 1,505 |
| Assets per employee ($millions) | 3.6594% | 4,462 |
| Cash dividends to net income (ytd only)* | 148.4321% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 4,351 |
| Loan loss allowance to noncurrent loans | 104.4444% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 2,813 |
| Noncurrent loans to loans | 0.8814% | 2,066 |
| Net loans and leases to total assets | 57.5987% | 3,982 |
| Net loans and leases to deposits | 64.7103% | 4,171 |
| Net loans and leases to core deposits | 65.5925% | 4,336 |
| Total domestic deposits to total assets | 89.0101% | 1,085 |
| Equity capital to assets | 10.0988% | 3,502 |
| Core capital (leverage) ratio | 10.9030% | 2,538 |
| Tier 1 risk-based capital ratio | 18.1779% | 1,775 |
| Total risk-based capital ratio | 19.0710% | 1,831 |
| Memoranda: | ||
| Average total assets | $132,315,000 | 3,710 |
| Average earning assets | $121,391,500 | 3,727 |
| Average equity | $13,673,000 | 3,880 |
| Average total loans | $75,408,000 | 3,851 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 4,201 |
| Cost of funding earning assets | 0.3607% | 3,610 |
| Net interest margin | 3.3951% | 3,865 |
| Noninterest income to average assets | 0.9091% | 1,241 |
| Noninterest expense to average assets | 2.8880% | 2,495 |
| Loan and lease loss provision to assets | 0.0972% | 2,267 |
| Net operating income to assets | 1.0194% | 2,159 |
| Return on assets (ROA) | 1.0239% | 2,173 |
| Pretax return on assets | 1.0400% | 3,417 |
| Return on Equity (ROE) | 9.6399% | 2,040 |
| Retained earnings to average equity (ytd only) | 3.8545% | 2,901 |
| Net charge-offs to loans | 0.3085% | 826 |
| Credit loss provision to net charge-offs | 54.0426% | 3,281 |
| Earnings coverage of net charge-offs (x) | 6.2979% | 3,198 |
| Efficiency ratio | 71.8310% | 2,253 |
| Assets per employee ($millions) | 3.7969% | 4,287 |
| Cash dividends to net income (ytd only)* | 60.0149% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 4,197 |
| Loan loss allowance to noncurrent loans | 120.2381% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 3,099 |
| Noncurrent loans to loans | 0.7921% | 2,233 |
| Net loans and leases to total assets | 55.3265% | 4,248 |
| Net loans and leases to deposits | 62.4652% | 4,412 |
| Net loans and leases to core deposits | 63.3113% | 4,580 |
| Total domestic deposits to total assets | 88.5718% | 1,213 |
| Equity capital to assets | 10.5666% | 3,089 |
| Core capital (leverage) ratio | 10.8307% | 2,495 |
| Tier 1 risk-based capital ratio | 18.8607% | 1,541 |
| Total risk-based capital ratio | 19.7810% | 1,595 |
| Memoranda: | ||
| Average total assets | $130,678,200 | 3,739 |
| Average earning assets | $119,761,400 | 3,749 |
| Average equity | $13,879,800 | 3,854 |
| Average total loans | $76,174,000 | 3,819 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7409% | 4,209 |
| Cost of funding earning assets | 0.3514% | 3,653 |
| Net interest margin | 3.3895% | 3,884 |
| Noninterest income to average assets | 0.9560% | 1,129 |
| Noninterest expense to average assets | 2.9028% | 2,401 |
| Loan and lease loss provision to assets | 0.0625% | 2,823 |
| Net operating income to assets | 1.0872% | 2,142 |
| Return on assets (ROA) | 1.0923% | 2,176 |
| Pretax return on assets | 1.1086% | 3,271 |
| Return on Equity (ROE) | 10.2701% | 2,000 |
| Retained earnings to average equity (ytd only) | 4.1234% | 3,460 |
| Net charge-offs to loans | 0.2557% | 848 |
| Credit loss provision to net charge-offs | 41.4966% | 2,992 |
| Earnings coverage of net charge-offs (x) | 7.7413% | 2,845 |
| Efficiency ratio | 71.3422% | 2,314 |
| Assets per employee ($millions) | 3.6929% | 4,457 |
| Cash dividends to net income (ytd only)* | 59.8501% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 4,270 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 2,211 |
| Noncurrent loans to loans | 1.2833% | 1,491 |
| Net loans and leases to total assets | 56.4260% | 4,195 |
| Net loans and leases to deposits | 63.9089% | 4,383 |
| Net loans and leases to core deposits | 64.7742% | 4,567 |
| Total domestic deposits to total assets | 88.2913% | 1,216 |
| Equity capital to assets | 10.7895% | 3,075 |
| Core capital (leverage) ratio | 10.8387% | 2,607 |
| Tier 1 risk-based capital ratio | 18.4805% | 1,735 |
| Total risk-based capital ratio | 19.4172% | 1,765 |
| Memoranda: | ||
| Average total assets | $130,125,000 | 3,783 |
| Average earning assets | $119,504,500 | 3,791 |
| Average equity | $13,839,250 | 3,904 |
| Average total loans | $76,659,750 | 3,847 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7208% | 4,157 |
| Cost of funding earning assets | 0.3407% | 3,680 |
| Net interest margin | 3.3801% | 3,838 |
| Noninterest income to average assets | 0.9846% | 1,056 |
| Noninterest expense to average assets | 2.9353% | 2,310 |
| Loan and lease loss provision to assets | 0.0449% | 3,093 |
| Net operating income to assets | 1.0885% | 2,032 |
| Return on assets (ROA) | 1.0961% | 2,056 |
| Pretax return on assets | 1.1147% | 3,116 |
| Return on Equity (ROE) | 10.3577% | 1,892 |
| Retained earnings to average equity (ytd only) | 2.7357% | 4,069 |
| Net charge-offs to loans | 0.2417% | 844 |
| Credit loss provision to net charge-offs | 31.1828% | 2,715 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,544 |
| Efficiency ratio | 71.8182% | 2,376 |
| Assets per employee ($millions) | 3.4424% | 4,805 |
| Cash dividends to net income (ytd only)* | 73.5876% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 4,264 |
| Loan loss allowance to noncurrent loans | 76.5545% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.8256% | 2,148 |
| Noncurrent loans to loans | 1.2801% | 1,506 |
| Net loans and leases to total assets | 58.0080% | 4,035 |
| Net loans and leases to deposits | 66.2696% | 4,203 |
| Net loans and leases to core deposits | 67.1873% | 4,407 |
| Total domestic deposits to total assets | 87.5333% | 1,700 |
| Equity capital to assets | 10.8246% | 3,007 |
| Core capital (leverage) ratio | 10.9018% | 2,507 |
| Tier 1 risk-based capital ratio | 18.1776% | 1,802 |
| Total risk-based capital ratio | 19.1429% | 1,841 |
| Memoranda: | ||
| Average total assets | $129,185,330 | 3,819 |
| Average earning assets | $118,576,000 | 3,828 |
| Average equity | $13,671,000 | 3,936 |
| Average total loans | $76,965,000 | 3,863 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6702% | 4,207 |
| Cost of funding earning assets | 0.3293% | 3,751 |
| Net interest margin | 3.3408% | 3,878 |
| Noninterest income to average assets | 0.7167% | 1,885 |
| Noninterest expense to average assets | 2.8355% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9223% | 2,653 |
| Return on assets (ROA) | 0.9223% | 2,710 |
| Pretax return on assets | 0.9473% | 3,601 |
| Return on Equity (ROE) | 8.8184% | 2,499 |
| Retained earnings to average equity (ytd only) | -3.4856% | 5,294 |
| Net charge-offs to loans | 0.0259% | 2,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 60.8000% | 798 |
| Efficiency ratio | 74.9588% | 2,073 |
| Assets per employee ($millions) | 3.5191% | 4,769 |
| Cash dividends to net income (ytd only)* | 139.5270% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 3,945 |
| Loan loss allowance to noncurrent loans | 64.5418% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9639% | 1,908 |
| Noncurrent loans to loans | 1.6378% | 1,185 |
| Net loans and leases to total assets | 58.2305% | 3,952 |
| Net loans and leases to deposits | 66.1089% | 4,167 |
| Net loans and leases to core deposits | 67.0205% | 4,355 |
| Total domestic deposits to total assets | 88.0826% | 1,673 |
| Equity capital to assets | 10.2907% | 3,418 |
| Core capital (leverage) ratio | 10.8341% | 2,566 |
| Tier 1 risk-based capital ratio | 17.6094% | 2,001 |
| Total risk-based capital ratio | 18.6402% | 2,016 |
| Memoranda: | ||
| Average total assets | $128,371,500 | 3,870 |
| Average earning assets | $117,814,500 | 3,877 |
| Average equity | $13,426,500 | 3,999 |
| Average total loans | $77,131,000 | 3,879 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 4,199 |
| Cost of funding earning assets | 0.3438% | 3,595 |
| Net interest margin | 3.3582% | 3,965 |
| Noninterest income to average assets | 0.9665% | 1,223 |
| Noninterest expense to average assets | 2.8286% | 2,925 |
| Loan and lease loss provision to assets | 0.0593% | 3,202 |
| Net operating income to assets | 1.1263% | 1,794 |
| Return on assets (ROA) | 1.1660% | 1,720 |
| Pretax return on assets | 1.1798% | 2,762 |
| Return on Equity (ROE) | 10.9912% | 1,579 |
| Retained earnings to average equity (ytd only) | 4.9511% | 2,379 |
| Net charge-offs to loans | 0.0013% | 4,238 |
| Credit loss provision to net charge-offs | 7,700.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 1,557.0000% | 35 |
| Efficiency ratio | 70.2294% | 2,867 |
| Assets per employee ($millions) | 3.5149% | 4,742 |
| Cash dividends to net income (ytd only)* | 54.9538% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 4,013 |
| Loan loss allowance to noncurrent loans | 102.7743% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 2,848 |
| Noncurrent loans to loans | 1.0215% | 2,043 |
| Net loans and leases to total assets | 60.7075% | 3,772 |
| Net loans and leases to deposits | 68.5832% | 4,044 |
| Net loans and leases to core deposits | 69.5500% | 4,277 |
| Total domestic deposits to total assets | 88.5165% | 1,369 |
| Equity capital to assets | 10.6324% | 2,996 |
| Core capital (leverage) ratio | 10.6033% | 2,768 |
| Tier 1 risk-based capital ratio | 17.7793% | 1,908 |
| Total risk-based capital ratio | 18.8177% | 1,945 |
| Memoranda: | ||
| Average total assets | $129,851,000 | 3,830 |
| Average earning assets | $118,365,600 | 3,858 |
| Average equity | $13,774,600 | 3,973 |
| Average total loans | $77,241,200 | 3,872 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6925% | 4,274 |
| Cost of funding earning assets | 0.3446% | 3,601 |
| Net interest margin | 3.3480% | 4,035 |
| Noninterest income to average assets | 0.9734% | 1,207 |
| Noninterest expense to average assets | 2.7364% | 3,233 |
| Loan and lease loss provision to assets | 0.0480% | 3,289 |
| Net operating income to assets | 1.2187% | 1,577 |
| Return on assets (ROA) | 1.2713% | 1,480 |
| Pretax return on assets | 1.2856% | 2,491 |
| Return on Equity (ROE) | 11.9908% | 1,327 |
| Retained earnings to average equity (ytd only) | 5.0234% | 2,809 |
| Net charge-offs to loans | -0.0069% | 4,685 |
| Credit loss provision to net charge-offs | -1,175.0000% | 5,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1229% | 3,204 |
| Assets per employee ($millions) | 3.9116% | 4,108 |
| Cash dividends to net income (ytd only)* | 58.1061% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 4,270 |
| Loan loss allowance to noncurrent loans | 106.6127% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 3,298 |
| Noncurrent loans to loans | 0.9627% | 2,315 |
| Net loans and leases to total assets | 55.6437% | 4,344 |
| Net loans and leases to deposits | 62.6931% | 4,583 |
| Net loans and leases to core deposits | 63.4725% | 4,751 |
| Total domestic deposits to total assets | 88.7557% | 1,024 |
| Equity capital to assets | 10.4306% | 3,632 |
| Core capital (leverage) ratio | 10.2458% | 3,287 |
| Tier 1 risk-based capital ratio | 17.7885% | 1,978 |
| Total risk-based capital ratio | 18.8072% | 2,019 |
| Memoranda: | ||
| Average total assets | $130,679,250 | 3,839 |
| Average earning assets | $118,795,000 | 3,870 |
| Average equity | $13,854,750 | 3,993 |
| Average total loans | $77,143,250 | 3,900 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7628% | 4,081 |
| Cost of funding earning assets | 0.3500% | 3,565 |
| Net interest margin | 3.4128% | 3,842 |
| Noninterest income to average assets | 1.0700% | 980 |
| Noninterest expense to average assets | 2.7837% | 3,077 |
| Loan and lease loss provision to assets | 0.0731% | 2,677 |
| Net operating income to assets | 1.2911% | 1,293 |
| Return on assets (ROA) | 1.3266% | 1,294 |
| Pretax return on assets | 1.3421% | 2,238 |
| Return on Equity (ROE) | 12.4407% | 1,174 |
| Retained earnings to average equity (ytd only) | 3.3837% | 3,738 |
| Net charge-offs to loans | -0.0415% | 5,288 |
| Credit loss provision to net charge-offs | -293.7500% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8659% | 3,558 |
| Assets per employee ($millions) | 3.4571% | 4,821 |
| Cash dividends to net income (ytd only)* | 72.8019% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 4,232 |
| Loan loss allowance to noncurrent loans | 110.6207% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 3,322 |
| Noncurrent loans to loans | 0.9494% | 2,385 |
| Net loans and leases to total assets | 59.0725% | 4,001 |
| Net loans and leases to deposits | 66.9894% | 4,265 |
| Net loans and leases to core deposits | 68.2553% | 4,455 |
| Total domestic deposits to total assets | 88.1819% | 1,333 |
| Equity capital to assets | 11.0207% | 3,037 |
| Core capital (leverage) ratio | 10.6616% | 2,782 |
| Tier 1 risk-based capital ratio | 17.7271% | 2,007 |
| Total risk-based capital ratio | 18.7798% | 2,026 |
| Memoranda: | ||
| Average total assets | $128,604,000 | 3,907 |
| Average earning assets | $116,562,330 | 3,942 |
| Average equity | $13,713,000 | 4,036 |
| Average total loans | $77,201,330 | 3,919 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,035 |
| Cost of funding earning assets | 0.3560% | 3,542 |
| Net interest margin | 3.4198% | 3,802 |
| Noninterest income to average assets | 0.8344% | 1,496 |
| Noninterest expense to average assets | 2.9004% | 2,706 |
| Loan and lease loss provision to assets | 0.1086% | 1,907 |
| Net operating income to assets | 0.9072% | 2,719 |
| Return on assets (ROA) | 0.9771% | 2,496 |
| Pretax return on assets | 0.9957% | 3,494 |
| Return on Equity (ROE) | 9.3188% | 2,278 |
| Retained earnings to average equity (ytd only) | -2.6329% | 5,443 |
| Net charge-offs to loans | 0.1340% | 1,302 |
| Credit loss provision to net charge-offs | 134.6154% | 1,343 |
| Earnings coverage of net charge-offs (x) | 12.8077% | 1,769 |
| Efficiency ratio | 73.7382% | 2,522 |
| Assets per employee ($millions) | 3.6540% | 4,554 |
| Cash dividends to net income (ytd only)* | 128.2540% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 4,795 |
| Loan loss allowance to noncurrent loans | 93.9698% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 3,196 |
| Noncurrent loans to loans | 1.0238% | 2,336 |
| Net loans and leases to total assets | 60.2092% | 3,744 |
| Net loans and leases to deposits | 67.9327% | 4,065 |
| Net loans and leases to core deposits | 69.2082% | 4,299 |
| Total domestic deposits to total assets | 88.6308% | 1,293 |
| Equity capital to assets | 10.5904% | 3,386 |
| Core capital (leverage) ratio | 10.5259% | 2,929 |
| Tier 1 risk-based capital ratio | 16.8915% | 2,325 |
| Total risk-based capital ratio | 17.8499% | 2,388 |
| Memoranda: | ||
| Average total assets | $128,949,000 | 3,928 |
| Average earning assets | $116,850,500 | 3,960 |
| Average equity | $13,521,000 | 4,076 |
| Average total loans | $77,620,000 | 3,928 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 4,228 |
| Cost of funding earning assets | 0.3831% | 3,340 |
| Net interest margin | 3.3577% | 4,086 |
| Noninterest income to average assets | 0.7845% | 1,849 |
| Noninterest expense to average assets | 2.8293% | 3,110 |
| Loan and lease loss provision to assets | 0.0912% | 2,479 |
| Net operating income to assets | 0.9035% | 2,850 |
| Return on assets (ROA) | 0.9421% | 2,726 |
| Pretax return on assets | 0.9514% | 3,650 |
| Return on Equity (ROE) | 9.1507% | 2,392 |
| Retained earnings to average equity (ytd only) | 4.0375% | 3,148 |
| Net charge-offs to loans | 0.1684% | 1,680 |
| Credit loss provision to net charge-offs | 92.1260% | 2,721 |
| Earnings coverage of net charge-offs (x) | 10.1339% | 2,729 |
| Efficiency ratio | 73.8149% | 2,612 |
| Assets per employee ($millions) | 3.5138% | 4,814 |
| Cash dividends to net income (ytd only)* | 55.8775% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 4,849 |
| Loan loss allowance to noncurrent loans | 100.4076% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 3,391 |
| Noncurrent loans to loans | 0.9498% | 2,438 |
| Net loans and leases to total assets | 59.0359% | 3,964 |
| Net loans and leases to deposits | 66.4203% | 4,281 |
| Net loans and leases to core deposits | 67.6408% | 4,472 |
| Total domestic deposits to total assets | 88.8823% | 1,184 |
| Equity capital to assets | 10.3824% | 3,515 |
| Core capital (leverage) ratio | 10.2336% | 3,217 |
| Tier 1 risk-based capital ratio | 17.2070% | 2,216 |
| Total risk-based capital ratio | 18.1651% | 2,264 |
| Memoranda: | ||
| Average total assets | $128,228,600 | 3,925 |
| Average earning assets | $116,417,400 | 3,961 |
| Average equity | $13,201,200 | 4,095 |
| Average total loans | $75,437,200 | 3,959 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 4,318 |
| Cost of funding earning assets | 0.3866% | 3,371 |
| Net interest margin | 3.3471% | 4,153 |
| Noninterest income to average assets | 0.8253% | 1,704 |
| Noninterest expense to average assets | 2.8454% | 3,019 |
| Loan and lease loss provision to assets | 0.0866% | 2,432 |
| Net operating income to assets | 0.9198% | 2,859 |
| Return on assets (ROA) | 0.9714% | 2,701 |
| Pretax return on assets | 0.9808% | 3,685 |
| Return on Equity (ROE) | 9.4561% | 2,328 |
| Retained earnings to average equity (ytd only) | 3.4635% | 3,999 |
| Net charge-offs to loans | 0.1780% | 1,409 |
| Credit loss provision to net charge-offs | 83.0000% | 2,569 |
| Earnings coverage of net charge-offs (x) | 9.7300% | 2,671 |
| Efficiency ratio | 73.7027% | 2,610 |
| Assets per employee ($millions) | 3.5217% | 4,762 |
| Cash dividends to net income (ytd only)* | 63.3731% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 4,958 |
| Loan loss allowance to noncurrent loans | 88.5127% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 3,419 |
| Noncurrent loans to loans | 1.0790% | 2,328 |
| Net loans and leases to total assets | 56.7245% | 4,276 |
| Net loans and leases to deposits | 63.6010% | 4,592 |
| Net loans and leases to core deposits | 64.7302% | 4,780 |
| Total domestic deposits to total assets | 89.1880% | 923 |
| Equity capital to assets | 9.9863% | 4,168 |
| Core capital (leverage) ratio | 10.0231% | 3,593 |
| Tier 1 risk-based capital ratio | 17.1875% | 2,300 |
| Total risk-based capital ratio | 18.1493% | 2,366 |
| Memoranda: | ||
| Average total assets | $127,783,500 | 3,975 |
| Average earning assets | $115,879,250 | 4,010 |
| Average equity | $13,127,000 | 4,163 |
| Average total loans | $74,923,750 | 4,011 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 4,092 |
| Cost of funding earning assets | 0.3934% | 3,339 |
| Net interest margin | 3.3987% | 3,913 |
| Noninterest income to average assets | 0.8921% | 1,468 |
| Noninterest expense to average assets | 2.9117% | 2,859 |
| Loan and lease loss provision to assets | 0.1320% | 1,660 |
| Net operating income to assets | 0.9160% | 2,799 |
| Return on assets (ROA) | 0.9160% | 2,927 |
| Pretax return on assets | 0.9255% | 3,864 |
| Return on Equity (ROE) | 8.8289% | 2,641 |
| Retained earnings to average equity (ytd only) | 1.0730% | 5,142 |
| Net charge-offs to loans | 0.2475% | 1,048 |
| Credit loss provision to net charge-offs | 90.2174% | 2,199 |
| Earnings coverage of net charge-offs (x) | 7.2283% | 2,694 |
| Efficiency ratio | 73.3574% | 2,772 |
| Assets per employee ($millions) | 3.3443% | 5,083 |
| Cash dividends to net income (ytd only)* | 87.8472% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 4,919 |
| Loan loss allowance to noncurrent loans | 146.5347% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 4,315 |
| Noncurrent loans to loans | 0.6754% | 3,456 |
| Net loans and leases to total assets | 58.2544% | 4,070 |
| Net loans and leases to deposits | 65.5498% | 4,381 |
| Net loans and leases to core deposits | 66.7791% | 4,589 |
| Total domestic deposits to total assets | 88.8704% | 1,206 |
| Equity capital to assets | 10.3137% | 3,669 |
| Core capital (leverage) ratio | 10.1090% | 3,449 |
| Tier 1 risk-based capital ratio | 17.3164% | 2,279 |
| Total risk-based capital ratio | 18.3168% | 2,321 |
| Memoranda: | ||
| Average total assets | $125,770,000 | 4,041 |
| Average earning assets | $113,867,670 | 4,078 |
| Average equity | $13,048,000 | 4,199 |
| Average total loans | $74,350,670 | 4,050 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 3,966 |
| Cost of funding earning assets | 0.3963% | 3,349 |
| Net interest margin | 3.4145% | 3,786 |
| Noninterest income to average assets | 0.8856% | 1,433 |
| Noninterest expense to average assets | 2.8007% | 3,253 |
| Loan and lease loss provision to assets | 0.2654% | 601 |
| Net operating income to assets | 0.8984% | 2,749 |
| Return on assets (ROA) | 0.8984% | 2,876 |
| Pretax return on assets | 0.9048% | 3,873 |
| Return on Equity (ROE) | 8.6339% | 2,628 |
| Retained earnings to average equity (ytd only) | -4.3016% | 5,884 |
| Net charge-offs to loans | -0.0108% | 4,751 |
| Credit loss provision to net charge-offs | -4,150.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5314% | 3,388 |
| Assets per employee ($millions) | 3.5854% | 4,749 |
| Cash dividends to net income (ytd only)* | 149.8221% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 4,384 |
| Loan loss allowance to noncurrent loans | 101.2136% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 3,527 |
| Noncurrent loans to loans | 1.1147% | 2,543 |
| Net loans and leases to total assets | 58.2430% | 3,909 |
| Net loans and leases to deposits | 65.6074% | 4,190 |
| Net loans and leases to core deposits | 66.8527% | 4,439 |
| Total domestic deposits to total assets | 88.7750% | 1,407 |
| Equity capital to assets | 10.3898% | 3,664 |
| Core capital (leverage) ratio | 10.1235% | 3,433 |
| Tier 1 risk-based capital ratio | 17.3533% | 2,354 |
| Total risk-based capital ratio | 18.5020% | 2,349 |
| Memoranda: | ||
| Average total assets | $125,113,000 | 4,081 |
| Average earning assets | $113,047,000 | 4,118 |
| Average equity | $13,018,500 | 4,231 |
| Average total loans | $74,140,000 | 4,077 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 4,439 |
| Cost of funding earning assets | 0.4342% | 3,340 |
| Net interest margin | 3.3828% | 4,263 |
| Noninterest income to average assets | 0.6881% | 2,354 |
| Noninterest expense to average assets | 2.7453% | 3,693 |
| Loan and lease loss provision to assets | 0.1156% | 2,244 |
| Net operating income to assets | 0.8537% | 3,101 |
| Return on assets (ROA) | 0.9115% | 2,915 |
| Pretax return on assets | 0.9262% | 3,797 |
| Return on Equity (ROE) | 9.5617% | 2,307 |
| Retained earnings to average equity (ytd only) | 6.6078% | 1,591 |
| Net charge-offs to loans | 0.1226% | 2,800 |
| Credit loss provision to net charge-offs | 165.5556% | 1,475 |
| Earnings coverage of net charge-offs (x) | 14.0778% | 2,197 |
| Efficiency ratio | 73.6371% | 2,895 |
| Assets per employee ($millions) | 3.5639% | 4,789 |
| Cash dividends to net income (ytd only)* | 30.8936% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 5,003 |
| Loan loss allowance to noncurrent loans | 83.8746% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 3,425 |
| Noncurrent loans to loans | 1.2009% | 2,447 |
| Net loans and leases to total assets | 59.0109% | 3,917 |
| Net loans and leases to deposits | 66.4257% | 4,278 |
| Net loans and leases to core deposits | 67.6914% | 4,536 |
| Total domestic deposits to total assets | 88.8374% | 1,330 |
| Equity capital to assets | 10.4210% | 3,588 |
| Core capital (leverage) ratio | 10.0078% | 3,565 |
| Tier 1 risk-based capital ratio | 17.4087% | 2,350 |
| Total risk-based capital ratio | 18.4323% | 2,390 |
| Memoranda: | ||
| Average total assets | $128,910,200 | 3,993 |
| Average earning assets | $115,850,200 | 4,055 |
| Average equity | $12,288,600 | 4,306 |
| Average total loans | $73,380,400 | 4,081 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 4,563 |
| Cost of funding earning assets | 0.4357% | 3,408 |
| Net interest margin | 3.3586% | 4,394 |
| Noninterest income to average assets | 0.6966% | 2,345 |
| Noninterest expense to average assets | 2.7363% | 3,688 |
| Loan and lease loss provision to assets | 0.1498% | 1,664 |
| Net operating income to assets | 0.8090% | 3,390 |
| Return on assets (ROA) | 0.8854% | 3,088 |
| Pretax return on assets | 0.9018% | 3,976 |
| Return on Equity (ROE) | 9.5008% | 2,447 |
| Retained earnings to average equity (ytd only) | 6.4182% | 2,158 |
| Net charge-offs to loans | 0.1714% | 2,080 |
| Credit loss provision to net charge-offs | 155.3191% | 1,535 |
| Earnings coverage of net charge-offs (x) | 10.0957% | 2,583 |
| Efficiency ratio | 73.7555% | 2,859 |
| Assets per employee ($millions) | 3.6387% | 4,595 |
| Cash dividends to net income (ytd only)* | 32.4446% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 5,190 |
| Loan loss allowance to noncurrent loans | 83.5586% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7206% | 3,650 |
| Noncurrent loans to loans | 1.2039% | 2,637 |
| Net loans and leases to total assets | 55.7400% | 4,365 |
| Net loans and leases to deposits | 62.2732% | 4,711 |
| Net loans and leases to core deposits | 63.3913% | 4,938 |
| Total domestic deposits to total assets | 89.5087% | 977 |
| Equity capital to assets | 9.6264% | 4,638 |
| Core capital (leverage) ratio | 9.4047% | 4,510 |
| Tier 1 risk-based capital ratio | 17.1503% | 2,548 |
| Total risk-based capital ratio | 18.1675% | 2,596 |
| Memoranda: | ||
| Average total assets | $129,953,250 | 4,008 |
| Average earning assets | $116,591,750 | 4,074 |
| Average equity | $12,111,000 | 4,366 |
| Average total loans | $73,136,000 | 4,109 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 4,538 |
| Cost of funding earning assets | 0.4355% | 3,489 |
| Net interest margin | 3.3619% | 4,347 |
| Noninterest income to average assets | 0.6589% | 2,490 |
| Noninterest expense to average assets | 2.7761% | 3,590 |
| Loan and lease loss provision to assets | 0.2253% | 1,021 |
| Net operating income to assets | 0.6560% | 4,061 |
| Return on assets (ROA) | 0.7376% | 3,726 |
| Pretax return on assets | 0.7546% | 4,436 |
| Return on Equity (ROE) | 8.0036% | 3,094 |
| Retained earnings to average equity (ytd only) | 4.6213% | 3,216 |
| Net charge-offs to loans | 0.1289% | 2,377 |
| Credit loss provision to net charge-offs | 310.6383% | 835 |
| Earnings coverage of net charge-offs (x) | 12.3617% | 2,067 |
| Efficiency ratio | 75.5882% | 2,709 |
| Assets per employee ($millions) | 3.4940% | 4,862 |
| Cash dividends to net income (ytd only)* | 42.2594% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 4,958 |
| Loan loss allowance to noncurrent loans | 79.2169% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 3,718 |
| Noncurrent loans to loans | 1.3719% | 2,519 |
| Net loans and leases to total assets | 54.0871% | 4,532 |
| Net loans and leases to deposits | 60.1330% | 4,850 |
| Net loans and leases to core deposits | 61.1911% | 5,038 |
| Total domestic deposits to total assets | 89.9458% | 841 |
| Equity capital to assets | 9.2987% | 4,986 |
| Core capital (leverage) ratio | 9.5727% | 4,216 |
| Tier 1 risk-based capital ratio | 17.0074% | 2,618 |
| Total risk-based capital ratio | 18.1069% | 2,649 |
| Memoranda: | ||
| Average total assets | $129,606,330 | 4,041 |
| Average earning assets | $116,183,670 | 4,104 |
| Average equity | $11,944,670 | 4,403 |
| Average total loans | $72,928,670 | 4,135 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 4,389 |
| Cost of funding earning assets | 0.4430% | 3,504 |
| Net interest margin | 3.3802% | 4,220 |
| Noninterest income to average assets | 0.5624% | 2,965 |
| Noninterest expense to average assets | 2.7839% | 3,625 |
| Loan and lease loss provision to assets | 0.2625% | 800 |
| Net operating income to assets | 0.5218% | 4,583 |
| Return on assets (ROA) | 0.5218% | 4,653 |
| Pretax return on assets | 0.5436% | 5,032 |
| Return on Equity (ROE) | 5.6880% | 4,190 |
| Retained earnings to average equity (ytd only) | 1.4986% | 5,011 |
| Net charge-offs to loans | 0.2572% | 1,300 |
| Credit loss provision to net charge-offs | 178.7234% | 1,126 |
| Earnings coverage of net charge-offs (x) | 5.4894% | 2,366 |
| Efficiency ratio | 77.5457% | 2,545 |
| Assets per employee ($millions) | 3.4340% | 5,068 |
| Cash dividends to net income (ytd only)* | 73.6527% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 5,540 |
| Loan loss allowance to noncurrent loans | 118.7908% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 4,255 |
| Noncurrent loans to loans | 0.8380% | 3,790 |
| Net loans and leases to total assets | 56.9071% | 4,014 |
| Net loans and leases to deposits | 63.3443% | 4,394 |
| Net loans and leases to core deposits | 64.5091% | 4,646 |
| Total domestic deposits to total assets | 89.8377% | 1,161 |
| Equity capital to assets | 9.3556% | 4,690 |
| Core capital (leverage) ratio | 9.4843% | 4,307 |
| Tier 1 risk-based capital ratio | 16.6592% | 2,830 |
| Total risk-based capital ratio | 17.6709% | 2,908 |
| Memoranda: | ||
| Average total assets | $128,024,000 | 4,102 |
| Average earning assets | $114,667,000 | 4,161 |
| Average equity | $11,744,000 | 4,462 |
| Average total loans | $73,092,500 | 4,162 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8501% | 4,630 |
| Cost of funding earning assets | 0.4926% | 3,678 |
| Net interest margin | 3.3575% | 4,449 |
| Noninterest income to average assets | 0.6679% | 2,718 |
| Noninterest expense to average assets | 2.6016% | 4,456 |
| Loan and lease loss provision to assets | 0.1210% | 2,805 |
| Net operating income to assets | 0.9759% | 2,436 |
| Return on assets (ROA) | 0.9759% | 2,504 |
| Pretax return on assets | 0.9924% | 3,379 |
| Return on Equity (ROE) | 10.3619% | 1,973 |
| Retained earnings to average equity (ytd only) | 2.4612% | 4,503 |
| Net charge-offs to loans | 0.4538% | 1,458 |
| Credit loss provision to net charge-offs | 46.6667% | 3,896 |
| Earnings coverage of net charge-offs (x) | 4.2939% | 3,612 |
| Efficiency ratio | 70.0296% | 3,840 |
| Assets per employee ($millions) | 3.5831% | 4,728 |
| Cash dividends to net income (ytd only)* | 76.2480% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 5,779 |
| Loan loss allowance to noncurrent loans | 103.2934% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 4,277 |
| Noncurrent loans to loans | 0.9132% | 3,704 |
| Net loans and leases to total assets | 56.1772% | 4,291 |
| Net loans and leases to deposits | 62.2128% | 4,700 |
| Net loans and leases to core deposits | 63.3318% | 4,937 |
| Total domestic deposits to total assets | 90.2985% | 919 |
| Equity capital to assets | 8.9937% | 5,042 |
| Core capital (leverage) ratio | 9.1581% | 4,771 |
| Tier 1 risk-based capital ratio | 16.5437% | 2,831 |
| Total risk-based capital ratio | 17.5007% | 2,939 |
| Memoranda: | ||
| Average total assets | $127,267,200 | 4,124 |
| Average earning assets | $115,502,600 | 4,148 |
| Average equity | $11,986,200 | 4,442 |
| Average total loans | $72,722,600 | 4,170 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8239% | 4,758 |
| Cost of funding earning assets | 0.5012% | 3,758 |
| Net interest margin | 3.3226% | 4,560 |
| Noninterest income to average assets | 0.7043% | 2,581 |
| Noninterest expense to average assets | 2.5418% | 4,581 |
| Loan and lease loss provision to assets | 0.1472% | 2,437 |
| Net operating income to assets | 1.0186% | 2,301 |
| Return on assets (ROA) | 1.0186% | 2,389 |
| Pretax return on assets | 1.0396% | 3,344 |
| Return on Equity (ROE) | 10.6929% | 1,925 |
| Retained earnings to average equity (ytd only) | 5.8706% | 2,493 |
| Net charge-offs to loans | 0.4590% | 1,394 |
| Credit loss provision to net charge-offs | 56.0000% | 3,377 |
| Earnings coverage of net charge-offs (x) | 4.5159% | 3,421 |
| Efficiency ratio | 68.1703% | 4,065 |
| Assets per employee ($millions) | 3.7334% | 4,385 |
| Cash dividends to net income (ytd only)* | 45.0978% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 5,503 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7714% | 4,175 |
| Noncurrent loans to loans | 1.4076% | 3,056 |
| Net loans and leases to total assets | 54.2251% | 4,575 |
| Net loans and leases to deposits | 60.1213% | 4,957 |
| Net loans and leases to core deposits | 61.1877% | 5,196 |
| Total domestic deposits to total assets | 90.1929% | 898 |
| Equity capital to assets | 9.0273% | 5,156 |
| Core capital (leverage) ratio | 9.3541% | 4,604 |
| Tier 1 risk-based capital ratio | 17.4087% | 2,539 |
| Total risk-based capital ratio | 18.4905% | 2,577 |
| Memoranda: | ||
| Average total assets | $126,836,500 | 4,182 |
| Average earning assets | $115,447,750 | 4,191 |
| Average equity | $12,082,500 | 4,479 |
| Average total loans | $72,615,000 | 4,204 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 4,427 |
| Cost of funding earning assets | 0.5155% | 3,749 |
| Net interest margin | 3.3981% | 4,190 |
| Noninterest income to average assets | 0.7471% | 2,427 |
| Noninterest expense to average assets | 2.5614% | 4,515 |
| Loan and lease loss provision to assets | 0.1195% | 2,829 |
| Net operating income to assets | 1.1294% | 1,820 |
| Return on assets (ROA) | 1.1294% | 1,938 |
| Pretax return on assets | 1.1532% | 2,869 |
| Return on Equity (ROE) | 11.6439% | 1,591 |
| Retained earnings to average equity (ytd only) | 7.0783% | 1,856 |
| Net charge-offs to loans | 0.6717% | 977 |
| Credit loss provision to net charge-offs | 30.6122% | 3,581 |
| Earnings coverage of net charge-offs (x) | 3.2612% | 3,442 |
| Efficiency ratio | 66.8052% | 4,398 |
| Assets per employee ($millions) | 3.6110% | 4,596 |
| Cash dividends to net income (ytd only)* | 39.2102% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 5,913 |
| Loan loss allowance to noncurrent loans | 122.9682% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 5,156 |
| Noncurrent loans to loans | 0.7926% | 4,328 |
| Net loans and leases to total assets | 55.9505% | 4,301 |
| Net loans and leases to deposits | 62.2737% | 4,702 |
| Net loans and leases to core deposits | 63.4175% | 4,958 |
| Total domestic deposits to total assets | 89.8461% | 1,123 |
| Equity capital to assets | 9.4457% | 4,658 |
| Core capital (leverage) ratio | 9.6616% | 3,995 |
| Tier 1 risk-based capital ratio | 17.3956% | 2,555 |
| Total risk-based capital ratio | 18.3992% | 2,632 |
| Memoranda: | ||
| Average total assets | $125,558,670 | 4,231 |
| Average earning assets | $114,064,670 | 4,255 |
| Average equity | $12,178,000 | 4,493 |
| Average total loans | $72,949,330 | 4,213 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 4,253 |
| Cost of funding earning assets | 0.5351% | 3,726 |
| Net interest margin | 3.4286% | 4,016 |
| Noninterest income to average assets | 0.6105% | 3,082 |
| Noninterest expense to average assets | 2.5570% | 4,545 |
| Loan and lease loss provision to assets | 0.2173% | 1,708 |
| Net operating income to assets | 0.9141% | 2,589 |
| Return on assets (ROA) | 0.9141% | 2,735 |
| Pretax return on assets | 0.9493% | 3,567 |
| Return on Equity (ROE) | 9.3023% | 2,350 |
| Retained earnings to average equity (ytd only) | 5.4968% | 2,957 |
| Net charge-offs to loans | 0.6620% | 922 |
| Credit loss provision to net charge-offs | 55.7377% | 2,510 |
| Earnings coverage of net charge-offs (x) | 2.9918% | 2,879 |
| Efficiency ratio | 68.6695% | 4,199 |
| Assets per employee ($millions) | 3.4665% | 5,050 |
| Cash dividends to net income (ytd only)* | 40.9091% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,550 |
| Loan loss allowance to noncurrent loans | 117.8520% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 5,012 |
| Noncurrent loans to loans | 0.9446% | 4,252 |
| Net loans and leases to total assets | 57.8001% | 3,800 |
| Net loans and leases to deposits | 64.6781% | 4,232 |
| Net loans and leases to core deposits | 65.8839% | 4,548 |
| Total domestic deposits to total assets | 89.3657% | 1,446 |
| Equity capital to assets | 9.9011% | 4,273 |
| Core capital (leverage) ratio | 9.4965% | 4,089 |
| Tier 1 risk-based capital ratio | 16.8805% | 2,813 |
| Total risk-based capital ratio | 18.0419% | 2,830 |
| Memoranda: | ||
| Average total assets | $125,145,500 | 4,280 |
| Average earning assets | $113,633,500 | 4,294 |
| Average equity | $12,298,000 | 4,520 |
| Average total loans | $73,719,500 | 4,209 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3036% | 4,175 |
| Cost of funding earning assets | 0.6368% | 4,034 |
| Net interest margin | 3.6668% | 3,797 |
| Noninterest income to average assets | 0.8664% | 1,967 |
| Noninterest expense to average assets | 2.6778% | 4,480 |
| Loan and lease loss provision to assets | 0.2128% | 3,017 |
| Net operating income to assets | 1.2742% | 1,386 |
| Return on assets (ROA) | 1.2143% | 1,720 |
| Pretax return on assets | 1.2281% | 2,689 |
| Return on Equity (ROE) | 12.5344% | 1,352 |
| Retained earnings to average equity (ytd only) | 6.4635% | 1,842 |
| Net charge-offs to loans | 0.0388% | 5,376 |
| Credit loss provision to net charge-offs | 939.2857% | 270 |
| Earnings coverage of net charge-offs (x) | 66.2500% | 544 |
| Efficiency ratio | 64.0852% | 4,867 |
| Assets per employee ($millions) | 3.5856% | 4,816 |
| Cash dividends to net income (ytd only)* | 48.4344% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,296 |
| Loan loss allowance to noncurrent loans | 134.0557% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 5,192 |
| Noncurrent loans to loans | 0.8672% | 4,450 |
| Net loans and leases to total assets | 58.6707% | 3,859 |
| Net loans and leases to deposits | 65.4838% | 4,361 |
| Net loans and leases to core deposits | 67.1463% | 4,627 |
| Total domestic deposits to total assets | 89.5958% | 1,193 |
| Equity capital to assets | 9.7532% | 4,524 |
| Core capital (leverage) ratio | 9.3037% | 4,412 |
| Tier 1 risk-based capital ratio | 16.3105% | 2,989 |
| Total risk-based capital ratio | 17.5247% | 2,968 |
| Memoranda: | ||
| Average total assets | $123,610,200 | 4,277 |
| Average earning assets | $111,650,800 | 4,300 |
| Average equity | $11,975,000 | 4,571 |
| Average total loans | $72,224,000 | 4,266 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 4,237 |
| Cost of funding earning assets | 0.6575% | 4,128 |
| Net interest margin | 3.6954% | 3,816 |
| Noninterest income to average assets | 0.8391% | 2,078 |
| Noninterest expense to average assets | 2.6474% | 4,575 |
| Loan and lease loss provision to assets | 0.2111% | 2,957 |
| Net operating income to assets | 1.3004% | 1,441 |
| Return on assets (ROA) | 1.2203% | 1,840 |
| Pretax return on assets | 1.2354% | 2,848 |
| Return on Equity (ROE) | 12.6179% | 1,433 |
| Retained earnings to average equity (ytd only) | 8.9792% | 1,238 |
| Net charge-offs to loans | 0.0353% | 5,150 |
| Credit loss provision to net charge-offs | 1,026.3158% | 273 |
| Earnings coverage of net charge-offs (x) | 74.2183% | 554 |
| Efficiency ratio | 63.4241% | 4,901 |
| Assets per employee ($millions) | 3.5208% | 4,932 |
| Cash dividends to net income (ytd only)* | 28.8374% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 5,688 |
| Loan loss allowance to noncurrent loans | 4,035.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 6,736 |
| Noncurrent loans to loans | 0.0274% | 6,559 |
| Net loans and leases to total assets | 56.8558% | 4,322 |
| Net loans and leases to deposits | 63.5880% | 4,765 |
| Net loans and leases to core deposits | 65.7383% | 4,983 |
| Total domestic deposits to total assets | 89.4128% | 1,181 |
| Equity capital to assets | 9.8243% | 4,747 |
| Core capital (leverage) ratio | 9.3155% | 4,554 |
| Tier 1 risk-based capital ratio | 16.8907% | 2,786 |
| Total risk-based capital ratio | 18.0596% | 2,784 |
| Memoranda: | ||
| Average total assets | $123,138,500 | 4,329 |
| Average earning assets | $111,126,250 | 4,362 |
| Average equity | $11,908,750 | 4,630 |
| Average total loans | $71,656,000 | 4,335 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 4,433 |
| Cost of funding earning assets | 0.6846% | 4,147 |
| Net interest margin | 3.6504% | 4,036 |
| Noninterest income to average assets | 0.7643% | 2,353 |
| Noninterest expense to average assets | 2.6785% | 4,501 |
| Loan and lease loss provision to assets | 0.0919% | 4,419 |
| Net operating income to assets | 1.2646% | 1,528 |
| Return on assets (ROA) | 1.2646% | 1,697 |
| Pretax return on assets | 1.2826% | 2,622 |
| Return on Equity (ROE) | 13.1484% | 1,324 |
| Retained earnings to average equity (ytd only) | 10.3857% | 874 |
| Net charge-offs to loans | 0.0561% | 4,627 |
| Credit loss provision to net charge-offs | 280.0000% | 1,049 |
| Earnings coverage of net charge-offs (x) | 41.9000% | 846 |
| Efficiency ratio | 66.0866% | 4,514 |
| Assets per employee ($millions) | 3.3841% | 5,238 |
| Cash dividends to net income (ytd only)* | 21.0117% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 6,405 |
| Loan loss allowance to noncurrent loans | 152.2831% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 5,896 |
| Noncurrent loans to loans | 0.6060% | 5,303 |
| Net loans and leases to total assets | 57.1866% | 4,301 |
| Net loans and leases to deposits | 63.7520% | 4,797 |
| Net loans and leases to core deposits | 65.9237% | 5,013 |
| Total domestic deposits to total assets | 89.7015% | 1,100 |
| Equity capital to assets | 9.6691% | 4,797 |
| Core capital (leverage) ratio | 9.3721% | 4,336 |
| Tier 1 risk-based capital ratio | 16.8973% | 2,719 |
| Total risk-based capital ratio | 17.8800% | 2,797 |
| Memoranda: | ||
| Average total assets | $121,935,670 | 4,375 |
| Average earning assets | $109,850,670 | 4,414 |
| Average equity | $11,727,670 | 4,670 |
| Average total loans | $71,251,330 | 4,379 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4036% | 4,315 |
| Cost of funding earning assets | 0.7278% | 4,046 |
| Net interest margin | 3.6759% | 3,938 |
| Noninterest income to average assets | 0.7448% | 2,428 |
| Noninterest expense to average assets | 2.6235% | 4,733 |
| Loan and lease loss provision to assets | 0.0831% | 4,345 |
| Net operating income to assets | 1.3201% | 1,398 |
| Return on assets (ROA) | 1.3201% | 1,567 |
| Pretax return on assets | 1.3467% | 2,371 |
| Return on Equity (ROE) | 13.7632% | 1,236 |
| Retained earnings to average equity (ytd only) | 10.9551% | 1,037 |
| Net charge-offs to loans | -0.0283% | 6,322 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7252% | 4,793 |
| Assets per employee ($millions) | 3.3398% | 5,472 |
| Cash dividends to net income (ytd only)* | 20.4030% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 6,447 |
| Loan loss allowance to noncurrent loans | 150.2273% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 5,969 |
| Noncurrent loans to loans | 0.6249% | 5,397 |
| Net loans and leases to total assets | 58.0099% | 4,036 |
| Net loans and leases to deposits | 64.7238% | 4,527 |
| Net loans and leases to core deposits | 67.0206% | 4,795 |
| Total domestic deposits to total assets | 89.6268% | 1,285 |
| Equity capital to assets | 9.7170% | 4,498 |
| Core capital (leverage) ratio | 9.5304% | 4,010 |
| Tier 1 risk-based capital ratio | 16.9784% | 2,694 |
| Total risk-based capital ratio | 17.9826% | 2,752 |
| Memoranda: | ||
| Average total assets | $120,297,000 | 4,444 |
| Average earning assets | $108,274,000 | 4,476 |
| Average equity | $11,538,000 | 4,719 |
| Average total loans | $70,741,000 | 4,423 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 3,946 |
| Cost of funding earning assets | 0.9184% | 3,973 |
| Net interest margin | 3.8506% | 3,566 |
| Noninterest income to average assets | 0.8408% | 1,880 |
| Noninterest expense to average assets | 2.8535% | 4,154 |
| Loan and lease loss provision to assets | 0.2650% | 3,571 |
| Net operating income to assets | 1.1782% | 1,575 |
| Return on assets (ROA) | 1.1817% | 1,678 |
| Pretax return on assets | 1.1993% | 2,458 |
| Return on Equity (ROE) | 12.2098% | 1,353 |
| Retained earnings to average equity (ytd only) | 6.2965% | 1,854 |
| Net charge-offs to loans | 0.1729% | 4,763 |
| Credit loss provision to net charge-offs | 256.4103% | 940 |
| Earnings coverage of net charge-offs (x) | 14.1368% | 1,481 |
| Efficiency ratio | 66.1412% | 4,746 |
| Assets per employee ($millions) | 3.3434% | 5,393 |
| Cash dividends to net income (ytd only)* | 48.4305% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 6,560 |
| Loan loss allowance to noncurrent loans | 864.3836% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 6,798 |
| Noncurrent loans to loans | 0.1027% | 6,557 |
| Net loans and leases to total assets | 58.5264% | 4,277 |
| Net loans and leases to deposits | 65.0756% | 4,864 |
| Net loans and leases to core deposits | 68.0195% | 5,025 |
| Total domestic deposits to total assets | 89.9361% | 1,027 |
| Equity capital to assets | 9.4657% | 4,934 |
| Core capital (leverage) ratio | 9.1986% | 4,472 |
| Tier 1 risk-based capital ratio | 16.2278% | 2,943 |
| Total risk-based capital ratio | 17.1708% | 3,045 |
| Memoranda: | ||
| Average total assets | $113,228,200 | 4,563 |
| Average earning assets | $102,139,400 | 4,582 |
| Average equity | $10,958,400 | 4,792 |
| Average total loans | $67,668,800 | 4,573 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7721% | 4,134 |
| Cost of funding earning assets | 0.9568% | 3,989 |
| Net interest margin | 3.8153% | 3,797 |
| Noninterest income to average assets | 0.8135% | 1,988 |
| Noninterest expense to average assets | 2.7696% | 4,465 |
| Loan and lease loss provision to assets | 0.2118% | 3,905 |
| Net operating income to assets | 1.2622% | 1,477 |
| Return on assets (ROA) | 1.2646% | 1,582 |
| Pretax return on assets | 1.2837% | 2,349 |
| Return on Equity (ROE) | 12.9892% | 1,281 |
| Retained earnings to average equity (ytd only) | 10.0031% | 841 |
| Net charge-offs to loans | 0.0858% | 5,110 |
| Credit loss provision to net charge-offs | 411.6279% | 695 |
| Earnings coverage of net charge-offs (x) | 29.0242% | 952 |
| Efficiency ratio | 64.9733% | 4,899 |
| Assets per employee ($millions) | 3.2339% | 5,598 |
| Cash dividends to net income (ytd only)* | 22.9894% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 6,729 |
| Loan loss allowance to noncurrent loans | 1,164.0000% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 6,944 |
| Noncurrent loans to loans | 0.0727% | 6,747 |
| Net loans and leases to total assets | 58.5800% | 4,400 |
| Net loans and leases to deposits | 65.4768% | 4,976 |
| Net loans and leases to core deposits | 68.3840% | 5,136 |
| Total domestic deposits to total assets | 89.4668% | 1,155 |
| Equity capital to assets | 9.9457% | 4,417 |
| Core capital (leverage) ratio | 9.7843% | 3,721 |
| Tier 1 risk-based capital ratio | 16.7825% | 2,728 |
| Total risk-based capital ratio | 17.6718% | 2,870 |
| Memoranda: | ||
| Average total assets | $111,445,000 | 4,638 |
| Average earning assets | $100,749,250 | 4,651 |
| Average equity | $10,849,750 | 4,840 |
| Average total loans | $66,817,500 | 4,637 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 4,168 |
| Cost of funding earning assets | 1.0102% | 3,887 |
| Net interest margin | 3.7708% | 3,935 |
| Noninterest income to average assets | 0.5447% | 3,513 |
| Noninterest expense to average assets | 2.9002% | 4,021 |
| Loan and lease loss provision to assets | 0.0729% | 5,392 |
| Net operating income to assets | 0.9547% | 2,417 |
| Return on assets (ROA) | 0.9582% | 2,505 |
| Pretax return on assets | 0.9819% | 3,302 |
| Return on Equity (ROE) | 9.9183% | 2,147 |
| Retained earnings to average equity (ytd only) | 6.8636% | 1,939 |
| Net charge-offs to loans | 0.1118% | 4,578 |
| Credit loss provision to net charge-offs | 108.1081% | 2,834 |
| Earnings coverage of net charge-offs (x) | 15.5946% | 1,395 |
| Efficiency ratio | 73.3979% | 3,485 |
| Assets per employee ($millions) | 2.9849% | 6,119 |
| Cash dividends to net income (ytd only)* | 30.7985% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6772% | 7,048 |
| Loan loss allowance to noncurrent loans | 1,960.8696% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 7,058 |
| Noncurrent loans to loans | 0.0345% | 6,895 |
| Net loans and leases to total assets | 59.8941% | 4,291 |
| Net loans and leases to deposits | 66.8672% | 4,876 |
| Net loans and leases to core deposits | 69.9953% | 5,075 |
| Total domestic deposits to total assets | 89.5717% | 1,203 |
| Equity capital to assets | 9.8932% | 4,280 |
| Core capital (leverage) ratio | 9.5914% | 3,816 |
| Tier 1 risk-based capital ratio | 16.5514% | 2,716 |
| Total risk-based capital ratio | 17.2601% | 2,935 |
| Memoranda: | ||
| Average total assets | $109,786,000 | 4,703 |
| Average earning assets | $99,183,670 | 4,725 |
| Average equity | $10,606,670 | 4,894 |
| Average total loans | $66,162,670 | 4,721 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7283% | 4,380 |
| Cost of funding earning assets | 1.0610% | 3,779 |
| Net interest margin | 3.6673% | 4,258 |
| Noninterest income to average assets | 0.5043% | 3,850 |
| Noninterest expense to average assets | 2.6421% | 5,075 |
| Loan and lease loss provision to assets | 0.1169% | 4,545 |
| Net operating income to assets | 1.0305% | 2,071 |
| Return on assets (ROA) | 1.0305% | 2,119 |
| Pretax return on assets | 1.0671% | 2,877 |
| Return on Equity (ROE) | 10.7974% | 1,807 |
| Retained earnings to average equity (ytd only) | 7.6960% | 1,841 |
| Net charge-offs to loans | 0.2305% | 3,158 |
| Credit loss provision to net charge-offs | 84.2105% | 3,059 |
| Earnings coverage of net charge-offs (x) | 8.5263% | 1,816 |
| Efficiency ratio | 69.0544% | 4,465 |
| Assets per employee ($millions) | 2.9564% | 6,225 |
| Cash dividends to net income (ytd only)* | 28.7234% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 7,102 |
| Loan loss allowance to noncurrent loans | 1,841.6667% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 6,977 |
| Noncurrent loans to loans | 0.0368% | 6,960 |
| Net loans and leases to total assets | 59.2782% | 4,407 |
| Net loans and leases to deposits | 65.9929% | 4,979 |
| Net loans and leases to core deposits | 69.0963% | 5,152 |
| Total domestic deposits to total assets | 89.8250% | 1,259 |
| Equity capital to assets | 9.6667% | 4,227 |
| Core capital (leverage) ratio | 9.3673% | 4,020 |
| Tier 1 risk-based capital ratio | 16.6194% | 2,612 |
| Total risk-based capital ratio | 17.3277% | 2,845 |
| Memoranda: | ||
| Average total assets | $109,459,000 | 4,746 |
| Average earning assets | $99,147,500 | 4,764 |
| Average equity | $10,447,000 | 4,931 |
| Average total loans | $65,945,000 | 4,774 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1970% | 3,626 |
| Cost of funding earning assets | 1.3295% | 3,690 |
| Net interest margin | 3.8675% | 3,652 |
| Noninterest income to average assets | 0.7464% | 2,558 |
| Noninterest expense to average assets | 2.7448% | 4,802 |
| Loan and lease loss provision to assets | 0.0753% | 6,395 |
| Net operating income to assets | 1.4199% | 906 |
| Return on assets (ROA) | 1.4641% | 889 |
| Pretax return on assets | 1.4829% | 1,417 |
| Return on Equity (ROE) | 14.2088% | 849 |
| Retained earnings to average equity (ytd only) | 7.4266% | 1,169 |
| Net charge-offs to loans | 0.0443% | 6,365 |
| Credit loss provision to net charge-offs | 271.4286% | 1,013 |
| Earnings coverage of net charge-offs (x) | 54.5357% | 429 |
| Efficiency ratio | 64.4553% | 5,275 |
| Assets per employee ($millions) | 3.6511% | 4,578 |
| Cash dividends to net income (ytd only)* | 47.7319% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6726% | 7,169 |
| Loan loss allowance to noncurrent loans | 649.2754% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 6,750 |
| Noncurrent loans to loans | 0.1036% | 6,880 |
| Net loans and leases to total assets | 60.4006% | 4,607 |
| Net loans and leases to deposits | 67.0933% | 5,235 |
| Net loans and leases to core deposits | 70.6100% | 5,385 |
| Total domestic deposits to total assets | 90.0248% | 1,085 |
| Equity capital to assets | 9.4219% | 4,516 |
| Core capital (leverage) ratio | 9.3436% | 3,935 |
| Tier 1 risk-based capital ratio | 16.1081% | 2,698 |
| Total risk-based capital ratio | 16.8177% | 2,931 |
| Memoranda: | ||
| Average total assets | $100,881,800 | 4,960 |
| Average earning assets | $91,610,000 | 4,959 |
| Average equity | $10,395,000 | 5,011 |
| Average total loans | $63,264,000 | 4,942 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 3,689 |
| Cost of funding earning assets | 1.3608% | 3,829 |
| Net interest margin | 3.8681% | 3,666 |
| Noninterest income to average assets | 0.6996% | 2,815 |
| Noninterest expense to average assets | 2.6553% | 5,090 |
| Loan and lease loss provision to assets | 0.0297% | 6,772 |
| Net operating income to assets | 1.5065% | 914 |
| Return on assets (ROA) | 1.5667% | 867 |
| Pretax return on assets | 1.5883% | 1,373 |
| Return on Equity (ROE) | 14.8518% | 888 |
| Retained earnings to average equity (ytd only) | 11.5229% | 523 |
| Net charge-offs to loans | 0.0641% | 5,876 |
| Credit loss provision to net charge-offs | 73.3333% | 5,330 |
| Earnings coverage of net charge-offs (x) | 38.4323% | 707 |
| Efficiency ratio | 63.0330% | 5,426 |
| Assets per employee ($millions) | 3.7236% | 4,455 |
| Cash dividends to net income (ytd only)* | 22.4139% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5908% | 7,362 |
| Loan loss allowance to noncurrent loans | 1,306.6667% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 7,287 |
| Noncurrent loans to loans | 0.0452% | 7,133 |
| Net loans and leases to total assets | 61.0803% | 4,700 |
| Net loans and leases to deposits | 68.3896% | 5,366 |
| Net loans and leases to core deposits | 71.3905% | 5,589 |
| Total domestic deposits to total assets | 89.3123% | 1,225 |
| Equity capital to assets | 10.1033% | 4,013 |
| Core capital (leverage) ratio | 9.9453% | 3,303 |
| Tier 1 risk-based capital ratio | 16.7526% | 2,432 |
| Total risk-based capital ratio | 17.3806% | 2,653 |
| Memoranda: | ||
| Average total assets | $98,719,250 | 5,090 |
| Average earning assets | $89,653,750 | 5,082 |
| Average equity | $10,413,750 | 5,083 |
| Average total loans | $62,428,500 | 5,053 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2586% | 3,661 |
| Cost of funding earning assets | 1.3859% | 3,965 |
| Net interest margin | 3.8727% | 3,572 |
| Noninterest income to average assets | 0.6107% | 3,252 |
| Noninterest expense to average assets | 2.6874% | 4,961 |
| Loan and lease loss provision to assets | 0.0314% | 6,628 |
| Net operating income to assets | 1.3906% | 1,112 |
| Return on assets (ROA) | 1.4828% | 1,002 |
| Pretax return on assets | 1.5100% | 1,533 |
| Return on Equity (ROE) | 13.8364% | 1,075 |
| Retained earnings to average equity (ytd only) | 10.5188% | 743 |
| Net charge-offs to loans | 0.0229% | 6,017 |
| Credit loss provision to net charge-offs | 214.2857% | 1,818 |
| Earnings coverage of net charge-offs (x) | 98.8571% | 333 |
| Efficiency ratio | 64.9975% | 5,152 |
| Assets per employee ($millions) | 3.4174% | 5,136 |
| Cash dividends to net income (ytd only)* | 23.9774% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6422% | 7,351 |
| Loan loss allowance to noncurrent loans | 497.5610% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 7,131 |
| Noncurrent loans to loans | 0.1291% | 7,008 |
| Net loans and leases to total assets | 61.5696% | 4,766 |
| Net loans and leases to deposits | 69.0405% | 5,410 |
| Net loans and leases to core deposits | 71.4247% | 5,731 |
| Total domestic deposits to total assets | 89.1790% | 1,337 |
| Equity capital to assets | 10.2621% | 3,689 |
| Core capital (leverage) ratio | 10.1902% | 2,951 |
| Tier 1 risk-based capital ratio | 17.0261% | 2,271 |
| Total risk-based capital ratio | 17.7141% | 2,433 |
| Memoranda: | ||
| Average total assets | $95,631,000 | 5,202 |
| Average earning assets | $87,019,000 | 5,207 |
| Average equity | $10,248,330 | 5,129 |
| Average total loans | $61,121,670 | 5,132 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3994% | 3,038 |
| Cost of funding earning assets | 1.4144% | 4,092 |
| Net interest margin | 3.9851% | 2,935 |
| Noninterest income to average assets | 0.6248% | 3,121 |
| Noninterest expense to average assets | 2.6729% | 5,044 |
| Loan and lease loss provision to assets | 0.0043% | 6,536 |
| Net operating income to assets | 1.5274% | 851 |
| Return on assets (ROA) | 1.5274% | 916 |
| Pretax return on assets | 1.5664% | 1,346 |
| Return on Equity (ROE) | 13.9241% | 1,063 |
| Retained earnings to average equity (ytd only) | 10.5617% | 1,020 |
| Net charge-offs to loans | 0.0801% | 4,619 |
| Credit loss provision to net charge-offs | 8.3333% | 5,062 |
| Earnings coverage of net charge-offs (x) | 30.1667% | 865 |
| Efficiency ratio | 62.9857% | 5,665 |
| Assets per employee ($millions) | 3.4141% | 5,251 |
| Cash dividends to net income (ytd only)* | 24.1477% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 7,427 |
| Loan loss allowance to noncurrent loans | 733.9623% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 6,971 |
| Noncurrent loans to loans | 0.0886% | 7,172 |
| Net loans and leases to total assets | 62.2020% | 4,720 |
| Net loans and leases to deposits | 70.0492% | 5,340 |
| Net loans and leases to core deposits | 75.2560% | 5,363 |
| Total domestic deposits to total assets | 88.7975% | 1,621 |
| Equity capital to assets | 10.7160% | 3,032 |
| Core capital (leverage) ratio | 10.6656% | 2,478 |
| Tier 1 risk-based capital ratio | 17.2248% | 2,187 |
| Total risk-based capital ratio | 17.9067% | 2,342 |
| Memoranda: | ||
| Average total assets | $92,185,000 | 5,380 |
| Average earning assets | $83,712,500 | 5,372 |
| Average equity | $10,112,000 | 5,209 |
| Average total loans | $59,917,000 | 5,251 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 3,340 |
| Cost of funding earning assets | 1.6321% | 4,876 |
| Net interest margin | 4.0201% | 2,783 |
| Noninterest income to average assets | 0.7419% | 2,731 |
| Noninterest expense to average assets | 2.8562% | 4,717 |
| Loan and lease loss provision to assets | 0.0220% | 7,283 |
| Net operating income to assets | 1.5615% | 596 |
| Return on assets (ROA) | 1.5162% | 696 |
| Pretax return on assets | 1.5301% | 1,115 |
| Return on Equity (ROE) | 13.1812% | 922 |
| Retained earnings to average equity (ytd only) | 4.8775% | 1,886 |
| Net charge-offs to loans | 0.1144% | 6,022 |
| Credit loss provision to net charge-offs | 29.6875% | 6,900 |
| Earnings coverage of net charge-offs (x) | 21.5313% | 997 |
| Efficiency ratio | 64.1333% | 5,754 |
| Assets per employee ($millions) | 3.2880% | 5,518 |
| Cash dividends to net income (ytd only)* | 62.9969% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6669% | 7,441 |
| Loan loss allowance to noncurrent loans | 434.7826% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 6,811 |
| Noncurrent loans to loans | 0.1534% | 7,046 |
| Net loans and leases to total assets | 67.1169% | 3,895 |
| Net loans and leases to deposits | 76.1074% | 4,729 |
| Net loans and leases to core deposits | 91.4874% | 4,950 |
| Total domestic deposits to total assets | 88.1870% | 1,890 |
| Equity capital to assets | 11.2419% | 2,502 |
| Core capital (leverage) ratio | 10.5238% | 2,582 |
| Tier 1 risk-based capital ratio | 17.1659% | 2,113 |
| Total risk-based capital ratio | 17.8843% | 2,219 |
| Memoranda: | ||
| Average total assets | $86,269,800 | 5,514 |
| Average earning assets | $79,650,400 | 5,469 |
| Average equity | $9,923,200 | 5,315 |
| Average total loans | $55,942,200 | 5,420 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6502% | 3,576 |
| Cost of funding earning assets | 1.6755% | 5,032 |
| Net interest margin | 3.9748% | 2,923 |
| Noninterest income to average assets | 0.7457% | 2,730 |
| Noninterest expense to average assets | 2.6730% | 5,444 |
| Loan and lease loss provision to assets | 0.0140% | 7,192 |
| Net operating income to assets | 1.7049% | 556 |
| Return on assets (ROA) | 1.6611% | 641 |
| Pretax return on assets | 1.6751% | 1,019 |
| Return on Equity (ROE) | 14.3569% | 865 |
| Retained earnings to average equity (ytd only) | 11.3968% | 427 |
| Net charge-offs to loans | 0.1432% | 5,270 |
| Credit loss provision to net charge-offs | 15.2542% | 6,598 |
| Earnings coverage of net charge-offs (x) | 18.8655% | 1,328 |
| Efficiency ratio | 60.6714% | 6,325 |
| Assets per employee ($millions) | 3.3952% | 5,174 |
| Cash dividends to net income (ytd only)* | 20.6189% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 7,438 |
| Loan loss allowance to noncurrent loans | 745.2830% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 7,010 |
| Noncurrent loans to loans | 0.0902% | 7,261 |
| Net loans and leases to total assets | 63.6959% | 4,929 |
| Net loans and leases to deposits | 72.2371% | 5,606 |
| Net loans and leases to core deposits | 86.1095% | 5,856 |
| Total domestic deposits to total assets | 88.1761% | 1,580 |
| Equity capital to assets | 11.2840% | 2,762 |
| Core capital (leverage) ratio | 11.0641% | 2,362 |
| Tier 1 risk-based capital ratio | 18.0068% | 1,988 |
| Total risk-based capital ratio | 18.7237% | 2,083 |
| Memoranda: | ||
| Average total assets | $85,643,500 | 5,562 |
| Average earning assets | $78,862,250 | 5,529 |
| Average equity | $9,909,000 | 5,360 |
| Average total loans | $54,932,000 | 5,518 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7874% | 3,113 |
| Cost of funding earning assets | 1.7399% | 5,066 |
| Net interest margin | 4.0475% | 2,516 |
| Noninterest income to average assets | 0.7868% | 2,480 |
| Noninterest expense to average assets | 2.6448% | 5,581 |
| Loan and lease loss provision to assets | 0.0072% | 7,123 |
| Net operating income to assets | 1.8175% | 441 |
| Return on assets (ROA) | 1.8222% | 481 |
| Pretax return on assets | 1.8390% | 788 |
| Return on Equity (ROE) | 15.6084% | 747 |
| Retained earnings to average equity (ytd only) | 12.5973% | 370 |
| Net charge-offs to loans | -0.0037% | 7,505 |
| Credit loss provision to net charge-offs | -300.0000% | 7,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9552% | 6,700 |
| Assets per employee ($millions) | 2.9990% | 6,130 |
| Cash dividends to net income (ytd only)* | 19.2913% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 7,169 |
| Loan loss allowance to noncurrent loans | 205.9633% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 6,851 |
| Noncurrent loans to loans | 0.3864% | 6,544 |
| Net loans and leases to total assets | 64.3529% | 4,909 |
| Net loans and leases to deposits | 73.1344% | 5,592 |
| Net loans and leases to core deposits | 85.6175% | 5,943 |
| Total domestic deposits to total assets | 87.9927% | 1,779 |
| Equity capital to assets | 11.4600% | 2,565 |
| Core capital (leverage) ratio | 11.5213% | 2,076 |
| Tier 1 risk-based capital ratio | 18.3661% | 1,909 |
| Total risk-based capital ratio | 19.2174% | 1,967 |
| Memoranda: | ||
| Average total assets | $83,634,670 | 5,676 |
| Average earning assets | $76,441,330 | 5,659 |
| Average equity | $9,764,000 | 5,432 |
| Average total loans | $53,647,670 | 5,609 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8677% | 2,949 |
| Cost of funding earning assets | 1.7789% | 5,216 |
| Net interest margin | 4.0888% | 2,320 |
| Noninterest income to average assets | 0.8247% | 2,203 |
| Noninterest expense to average assets | 2.6792% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9032% | 425 |
| Return on assets (ROA) | 1.9032% | 476 |
| Pretax return on assets | 1.9032% | 792 |
| Return on Equity (ROE) | 16.1449% | 798 |
| Retained earnings to average equity (ytd only) | 13.0815% | 626 |
| Net charge-offs to loans | 0.0077% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 390.0000% | 88 |
| Efficiency ratio | 58.4665% | 6,629 |
| Assets per employee ($millions) | 3.1532% | 5,731 |
| Cash dividends to net income (ytd only)* | 18.9744% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 6,941 |
| Loan loss allowance to noncurrent loans | 1,305.8824% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 7,484 |
| Noncurrent loans to loans | 0.0655% | 7,338 |
| Net loans and leases to total assets | 62.7757% | 5,193 |
| Net loans and leases to deposits | 71.7196% | 5,779 |
| Net loans and leases to core deposits | 84.7191% | 6,004 |
| Total domestic deposits to total assets | 87.5293% | 1,955 |
| Equity capital to assets | 11.9645% | 2,286 |
| Core capital (leverage) ratio | 11.8910% | 1,946 |
| Tier 1 risk-based capital ratio | 19.1772% | 1,776 |
| Total risk-based capital ratio | 20.0833% | 1,804 |
| Memoranda: | ||
| Average total assets | $81,966,000 | 5,754 |
| Average earning assets | $75,327,500 | 5,721 |
| Average equity | $9,662,500 | 5,488 |
| Average total loans | $52,262,500 | 5,705 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0416% | 5,345 |
| Cost of funding earning assets | 2.3873% | 4,775 |
| Net interest margin | 3.6543% | 4,656 |
| Noninterest income to average assets | 0.6571% | 3,420 |
| Noninterest expense to average assets | 2.6768% | 5,352 |
| Loan and lease loss provision to assets | 0.1786% | 5,108 |
| Net operating income to assets | 1.2178% | 1,717 |
| Return on assets (ROA) | 1.2465% | 1,580 |
| Pretax return on assets | 1.2413% | 2,510 |
| Return on Equity (ROE) | 10.4308% | 2,112 |
| Retained earnings to average equity (ytd only) | 4.3862% | 2,388 |
| Net charge-offs to loans | 0.1659% | 4,546 |
| Credit loss provision to net charge-offs | 173.4177% | 2,938 |
| Earnings coverage of net charge-offs (x) | 13.5063% | 2,127 |
| Efficiency ratio | 65.8013% | 5,165 |
| Assets per employee ($millions) | 3.4145% | 4,903 |
| Cash dividends to net income (ytd only)* | 57.9498% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 6,919 |
| Loan loss allowance to noncurrent loans | 1,171.0526% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 7,401 |
| Noncurrent loans to loans | 0.0722% | 7,215 |
| Net loans and leases to total assets | 63.6623% | 5,346 |
| Net loans and leases to deposits | 75.5463% | 5,644 |
| Net loans and leases to core deposits | 89.7240% | 5,826 |
| Total domestic deposits to total assets | 84.2693% | 3,193 |
| Equity capital to assets | 11.6122% | 2,561 |
| Core capital (leverage) ratio | 11.2077% | 2,423 |
| Tier 1 risk-based capital ratio | 18.4124% | 1,934 |
| Total risk-based capital ratio | 19.3154% | 1,972 |
| Memoranda: | ||
| Average total assets | $76,696,200 | 5,810 |
| Average earning assets | $71,586,600 | 5,758 |
| Average equity | $9,165,200 | 5,684 |
| Average total loans | $47,631,400 | 5,798 |