Home > American Interstate Bank > Performance and Condition Ratios
American Interstate 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 | 5.8637% | 754 |
| Cost of funding earning assets | 0.3494% | 4,336 |
| Net interest margin | 5.5143% | 183 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.5514% | 4,293 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 3.9739% | 99 |
| Return on assets (ROA) | 3.9739% | 101 |
| Pretax return on assets | 3.9739% | 117 |
| Return on Equity (ROE) | 19.0700% | 705 |
| Retained earnings to average equity (ytd only) | 19.0747% | 150 |
| Net charge-offs to loans | -0.0104% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 28.4748% | 4,501 |
| Assets per employee ($millions) | 9.4758% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 626 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 75.6400% | 1,160 |
| Net loans and leases to deposits | 99.0180% | 593 |
| Net loans and leases to core deposits | 100.6683% | 1,391 |
| Total domestic deposits to total assets | 76.3900% | 3,905 |
| Equity capital to assets | 23.4650% | 215 |
| Core capital (leverage) ratio | 23.9434% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $116,735,600 | 3,687 |
| Average earning assets | $111,909,600 | 3,627 |
| Average equity | $24,320,200 | 2,559 |
| Average total loans | $86,371,800 | 3,341 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5348% | 973 |
| Cost of funding earning assets | 0.3450% | 4,319 |
| Net interest margin | 5.1897% | 258 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.4264% | 4,374 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 3.7846% | 120 |
| Return on assets (ROA) | 3.7846% | 120 |
| Pretax return on assets | 3.7846% | 139 |
| Return on Equity (ROE) | 18.7400% | 851 |
| Retained earnings to average equity (ytd only) | 18.7383% | 309 |
| Net charge-offs to loans | -0.0139% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 27.6142% | 4,530 |
| Assets per employee ($millions) | 9.1734% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 585 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 77.9100% | 896 |
| Net loans and leases to deposits | 101.3567% | 457 |
| Net loans and leases to core deposits | 103.0879% | 1,162 |
| Total domestic deposits to total assets | 76.8700% | 3,944 |
| Equity capital to assets | 23.0539% | 217 |
| Core capital (leverage) ratio | 23.1517% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $117,492,000 | 3,683 |
| Average earning assets | $113,220,750 | 3,628 |
| Average equity | $23,729,750 | 2,584 |
| Average total loans | $86,085,500 | 3,342 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3720% | 989 |
| Cost of funding earning assets | 0.3407% | 4,257 |
| Net interest margin | 5.0313% | 299 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.2454% | 4,499 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | 3.8312% | 105 |
| Return on assets (ROA) | 3.8312% | 107 |
| Pretax return on assets | 3.8312% | 120 |
| Return on Equity (ROE) | 19.8300% | 729 |
| Retained earnings to average equity (ytd only) | 19.8272% | 254 |
| Net charge-offs to loans | -0.0210% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 24.8586% | 4,566 |
| Assets per employee ($millions) | 8.6394% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 589 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 75.1400% | 1,147 |
| Net loans and leases to deposits | 96.0364% | 732 |
| Net loans and leases to core deposits | 97.6126% | 1,372 |
| Total domestic deposits to total assets | 78.2400% | 3,819 |
| Equity capital to assets | 21.6727% | 236 |
| Core capital (leverage) ratio | 20.8544% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $119,962,333 | 3,678 |
| Average earning assets | $115,636,667 | 3,613 |
| Average equity | $23,180,333 | 2,613 |
| Average total loans | $85,672,333 | 3,353 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8566% | 1,494 |
| Cost of funding earning assets | 0.3178% | 4,145 |
| Net interest margin | 4.5388% | 556 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.0663% | 4,614 |
| Loan and lease loss provision to assets | -0.1300% | 4,593 |
| Net operating income to assets | 3.5997% | 114 |
| Return on assets (ROA) | 3.5997% | 114 |
| Pretax return on assets | 3.5997% | 127 |
| Return on Equity (ROE) | 19.7200% | 801 |
| Retained earnings to average equity (ytd only) | 19.7168% | 396 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 23.5043% | 4,634 |
| Assets per employee ($millions) | 9.4343% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8329% | 621 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 67.6900% | 1,871 |
| Net loans and leases to deposits | 83.4951% | 1,533 |
| Net loans and leases to core deposits | 85.1384% | 1,918 |
| Total domestic deposits to total assets | 81.0700% | 3,627 |
| Equity capital to assets | 18.8812% | 268 |
| Core capital (leverage) ratio | 18.3970% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $123,787,500 | 3,684 |
| Average earning assets | $119,590,000 | 3,613 |
| Average equity | $22,600,000 | 2,677 |
| Average total loans | $85,533,500 | 3,397 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7025% | 2,519 |
| Cost of funding earning assets | 0.1278% | 4,239 |
| Net interest margin | 3.5747% | 1,718 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.4785% | 4,444 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 2.2272% | 207 |
| Return on assets (ROA) | 2.2272% | 195 |
| Pretax return on assets | 2.2272% | 303 |
| Return on Equity (ROE) | 13.9200% | 1,553 |
| Retained earnings to average equity (ytd only) | 13.9219% | 397 |
| Net charge-offs to loans | -0.2406% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.9367% | 4,516 |
| Assets per employee ($millions) | 9.6099% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 612 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 67.9700% | 1,832 |
| Net loans and leases to deposits | 82.6346% | 1,569 |
| Net loans and leases to core deposits | 84.2055% | 1,870 |
| Total domestic deposits to total assets | 82.2500% | 3,578 |
| Equity capital to assets | 17.6444% | 313 |
| Core capital (leverage) ratio | 17.3053% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $127,693,800 | 3,654 |
| Average earning assets | $123,674,800 | 3,579 |
| Average equity | $20,428,200 | 2,913 |
| Average total loans | $81,048,400 | 3,401 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3435% | 3,070 |
| Cost of funding earning assets | 0.1070% | 4,227 |
| Net interest margin | 3.2365% | 2,507 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.4903% | 4,429 |
| Loan and lease loss provision to assets | -0.1200% | 4,606 |
| Net operating income to assets | 1.9233% | 330 |
| Return on assets (ROA) | 1.9233% | 328 |
| Pretax return on assets | 1.9233% | 551 |
| Return on Equity (ROE) | 12.3300% | 1,930 |
| Retained earnings to average equity (ytd only) | 12.3313% | 721 |
| Net charge-offs to loans | -0.1656% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.3110% | 4,413 |
| Assets per employee ($millions) | 9.7948% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 760 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 64.8500% | 1,996 |
| Net loans and leases to deposits | 77.7728% | 1,736 |
| Net loans and leases to core deposits | 79.8129% | 1,914 |
| Total domestic deposits to total assets | 83.3800% | 3,629 |
| Equity capital to assets | 16.5322% | 346 |
| Core capital (leverage) ratio | 15.9559% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $128,385,000 | 3,675 |
| Average earning assets | $124,618,250 | 3,602 |
| Average equity | $20,024,500 | 2,995 |
| Average total loans | $79,685,000 | 3,427 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0683% | 3,379 |
| Cost of funding earning assets | 0.1057% | 4,133 |
| Net interest margin | 2.9626% | 2,997 |
| Noninterest income to average assets | 0.1429% | 4,303 |
| Noninterest expense to average assets | 1.5194% | 4,399 |
| Loan and lease loss provision to assets | -0.0451% | 4,502 |
| Net operating income to assets | 1.5411% | 633 |
| Return on assets (ROA) | 1.5411% | 615 |
| Pretax return on assets | 1.5411% | 1,068 |
| Return on Equity (ROE) | 10.0801% | 2,304 |
| Retained earnings to average equity (ytd only) | 10.0801% | 992 |
| Net charge-offs to loans | -0.0077% | 3,486 |
| Credit loss provision to net charge-offs | 966.6667% | 418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3864% | 4,226 |
| Assets per employee ($millions) | 11.1748% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 56.7992% | 2,667 |
| Net loans and leases to deposits | 66.9238% | 2,474 |
| Net loans and leases to core deposits | 68.5563% | 2,602 |
| Total domestic deposits to total assets | 84.8714% | 3,507 |
| Equity capital to assets | 15.0570% | 398 |
| Core capital (leverage) ratio | 14.7708% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,735,667 | 3,710 |
| Average earning assets | $124,824,667 | 3,651 |
| Average equity | $19,682,333 | 3,093 |
| Average total loans | $78,223,333 | 3,480 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0325% | 3,158 |
| Cost of funding earning assets | 0.1083% | 4,040 |
| Net interest margin | 2.9242% | 2,754 |
| Noninterest income to average assets | 0.1396% | 4,318 |
| Noninterest expense to average assets | 1.6056% | 4,287 |
| Loan and lease loss provision to assets | -0.0920% | 4,587 |
| Net operating income to assets | 1.4533% | 707 |
| Return on assets (ROA) | 1.4533% | 703 |
| Pretax return on assets | 1.4533% | 1,119 |
| Return on Equity (ROE) | 9.4297% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.4297% | 1,158 |
| Net charge-offs to loans | -0.0102% | 3,593 |
| Credit loss provision to net charge-offs | 1,450.0000% | 275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1176% | 4,043 |
| Assets per employee ($millions) | 11.3651% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 56.0474% | 2,520 |
| Net loans and leases to deposits | 65.5226% | 2,377 |
| Net loans and leases to core deposits | 67.2307% | 2,520 |
| Total domestic deposits to total assets | 85.5390% | 3,408 |
| Equity capital to assets | 14.4133% | 463 |
| Core capital (leverage) ratio | 14.7320% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,055,000 | 3,756 |
| Average earning assets | $121,878,500 | 3,692 |
| Average equity | $19,428,000 | 3,195 |
| Average total loans | $78,507,500 | 3,481 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2825% | 3,264 |
| Cost of funding earning assets | 0.1391% | 4,074 |
| Net interest margin | 3.1434% | 2,755 |
| Noninterest income to average assets | 0.1328% | 4,483 |
| Noninterest expense to average assets | 1.5364% | 4,498 |
| Loan and lease loss provision to assets | -0.0825% | 4,485 |
| Net operating income to assets | 1.7352% | 589 |
| Return on assets (ROA) | 1.7352% | 610 |
| Pretax return on assets | 1.7352% | 1,058 |
| Return on Equity (ROE) | 10.0884% | 2,493 |
| Retained earnings to average equity (ytd only) | -9.0911% | 4,757 |
| Net charge-offs to loans | -0.0075% | 3,655 |
| Credit loss provision to net charge-offs | 1,666.6667% | 353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1769% | 4,391 |
| Assets per employee ($millions) | 8.9022% | 950 |
| Cash dividends to net income (ytd only)* | 190.1141% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9156% | 704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 67.0307% | 1,369 |
| Net loans and leases to deposits | 80.4768% | 1,172 |
| Net loans and leases to core deposits | 82.7324% | 1,405 |
| Total domestic deposits to total assets | 83.2920% | 3,748 |
| Equity capital to assets | 16.5896% | 318 |
| Core capital (leverage) ratio | 15.6108% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,255,400 | 3,786 |
| Average earning assets | $117,898,400 | 3,710 |
| Average equity | $20,855,600 | 3,143 |
| Average total loans | $80,180,600 | 3,482 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2213% | 3,566 |
| Cost of funding earning assets | 0.1430% | 4,169 |
| Net interest margin | 3.0783% | 3,105 |
| Noninterest income to average assets | 0.1239% | 4,573 |
| Noninterest expense to average assets | 1.5221% | 4,569 |
| Loan and lease loss provision to assets | -0.1085% | 4,623 |
| Net operating income to assets | 1.7058% | 818 |
| Return on assets (ROA) | 1.7058% | 857 |
| Pretax return on assets | 1.7058% | 1,388 |
| Return on Equity (ROE) | 9.8353% | 2,794 |
| Retained earnings to average equity (ytd only) | 3.5668% | 3,726 |
| Net charge-offs to loans | -0.0033% | 3,326 |
| Credit loss provision to net charge-offs | 5,000.0000% | 166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7975% | 4,309 |
| Assets per employee ($millions) | 9.4755% | 779 |
| Cash dividends to net income (ytd only)* | 63.7349% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9043% | 763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 63.1867% | 1,869 |
| Net loans and leases to deposits | 76.7692% | 1,596 |
| Net loans and leases to core deposits | 79.2397% | 1,799 |
| Total domestic deposits to total assets | 82.3073% | 3,864 |
| Equity capital to assets | 17.5871% | 293 |
| Core capital (leverage) ratio | 17.1525% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,637,000 | 3,818 |
| Average earning assets | $119,328,250 | 3,732 |
| Average equity | $21,269,750 | 3,147 |
| Average total loans | $80,453,500 | 3,519 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2439% | 3,579 |
| Cost of funding earning assets | 0.1495% | 4,210 |
| Net interest margin | 3.0944% | 3,051 |
| Noninterest income to average assets | 0.1045% | 4,674 |
| Noninterest expense to average assets | 1.5352% | 4,592 |
| Loan and lease loss provision to assets | -0.1633% | 4,724 |
| Net operating income to assets | 1.7410% | 814 |
| Return on assets (ROA) | 1.7410% | 859 |
| Pretax return on assets | 1.7410% | 1,383 |
| Return on Equity (ROE) | 10.0859% | 2,710 |
| Retained earnings to average equity (ytd only) | 0.6245% | 4,409 |
| Net charge-offs to loans | -0.0025% | 3,242 |
| Credit loss provision to net charge-offs | 10,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3179% | 4,288 |
| Assets per employee ($millions) | 9.9038% | 631 |
| Cash dividends to net income (ytd only)* | 93.8086% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 59.8454% | 2,446 |
| Net loans and leases to deposits | 71.6954% | 2,237 |
| Net loans and leases to core deposits | 73.5107% | 2,459 |
| Total domestic deposits to total assets | 83.4718% | 3,585 |
| Equity capital to assets | 16.4357% | 379 |
| Core capital (leverage) ratio | 16.9361% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,455,667 | 3,826 |
| Average earning assets | $119,053,000 | 3,747 |
| Average equity | $21,138,333 | 3,156 |
| Average total loans | $80,823,000 | 3,534 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3333% | 3,377 |
| Cost of funding earning assets | 0.1623% | 4,221 |
| Net interest margin | 3.1710% | 2,782 |
| Noninterest income to average assets | 0.0603% | 4,825 |
| Noninterest expense to average assets | 1.5825% | 4,563 |
| Loan and lease loss provision to assets | -0.3353% | 4,877 |
| Net operating income to assets | 1.8909% | 678 |
| Return on assets (ROA) | 1.8909% | 728 |
| Pretax return on assets | 1.8909% | 1,133 |
| Return on Equity (ROE) | 10.6783% | 2,466 |
| Retained earnings to average equity (ytd only) | 1.2117% | 4,176 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4274% | 4,153 |
| Assets per employee ($millions) | 9.6053% | 676 |
| Cash dividends to net income (ytd only)* | 88.6525% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8670% | 775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 63.5186% | 2,101 |
| Net loans and leases to deposits | 76.5426% | 1,844 |
| Net loans and leases to core deposits | 78.5491% | 2,135 |
| Total domestic deposits to total assets | 82.9846% | 3,692 |
| Equity capital to assets | 16.9450% | 314 |
| Core capital (leverage) ratio | 17.5472% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,308,500 | 3,870 |
| Average earning assets | $115,799,500 | 3,784 |
| Average equity | $21,127,000 | 3,148 |
| Average total loans | $81,954,000 | 3,526 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 1,335 |
| Cost of funding earning assets | 0.2176% | 4,517 |
| Net interest margin | 4.2739% | 537 |
| Noninterest income to average assets | 0.1544% | 4,521 |
| Noninterest expense to average assets | 1.6489% | 4,669 |
| Loan and lease loss provision to assets | -0.0563% | 4,941 |
| Net operating income to assets | 2.6846% | 119 |
| Return on assets (ROA) | 2.6846% | 123 |
| Pretax return on assets | 2.6846% | 154 |
| Return on Equity (ROE) | 14.2754% | 749 |
| Retained earnings to average equity (ytd only) | 4.6135% | 2,472 |
| Net charge-offs to loans | -0.1395% | 4,856 |
| Credit loss provision to net charge-offs | 50.4065% | 3,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5514% | 4,894 |
| Assets per employee ($millions) | 8.7498% | 815 |
| Cash dividends to net income (ytd only)* | 67.6819% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9366% | 666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 71.6276% | 1,341 |
| Net loans and leases to deposits | 88.1192% | 1,081 |
| Net loans and leases to core deposits | 90.7092% | 1,475 |
| Total domestic deposits to total assets | 81.2849% | 3,811 |
| Equity capital to assets | 18.5454% | 242 |
| Core capital (leverage) ratio | 18.6691% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,071,800 | 3,881 |
| Average earning assets | $106,179,400 | 3,823 |
| Average equity | $20,700,000 | 3,123 |
| Average total loans | $88,160,800 | 3,432 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7287% | 1,002 |
| Cost of funding earning assets | 0.2281% | 4,578 |
| Net interest margin | 4.5005% | 372 |
| Noninterest income to average assets | 0.1539% | 4,524 |
| Noninterest expense to average assets | 1.6539% | 4,675 |
| Loan and lease loss provision to assets | -0.0944% | 4,997 |
| Net operating income to assets | 2.9316% | 98 |
| Return on assets (ROA) | 2.9316% | 102 |
| Pretax return on assets | 2.9316% | 127 |
| Return on Equity (ROE) | 15.5326% | 614 |
| Retained earnings to average equity (ytd only) | 5.8247% | 2,178 |
| Net charge-offs to loans | -0.1834% | 4,914 |
| Credit loss provision to net charge-offs | 62.6016% | 2,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8235% | 4,943 |
| Assets per employee ($millions) | 8.3652% | 886 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 77.8808% | 841 |
| Net loans and leases to deposits | 96.7456% | 707 |
| Net loans and leases to core deposits | 99.7456% | 1,177 |
| Total domestic deposits to total assets | 80.5006% | 3,766 |
| Equity capital to assets | 19.3477% | 231 |
| Core capital (leverage) ratio | 18.7265% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,152,750 | 3,886 |
| Average earning assets | $105,199,750 | 3,833 |
| Average equity | $20,601,250 | 3,128 |
| Average total loans | $89,430,000 | 3,424 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 1,259 |
| Cost of funding earning assets | 0.2313% | 4,681 |
| Net interest margin | 4.5283% | 474 |
| Noninterest income to average assets | 0.1519% | 4,536 |
| Noninterest expense to average assets | 1.6836% | 4,700 |
| Loan and lease loss provision to assets | -0.1684% | 5,035 |
| Net operating income to assets | 3.0086% | 84 |
| Return on assets (ROA) | 3.0086% | 89 |
| Pretax return on assets | 3.0086% | 112 |
| Return on Equity (ROE) | 16.0743% | 555 |
| Retained earnings to average equity (ytd only) | 6.2967% | 1,941 |
| Net charge-offs to loans | -0.2719% | 4,970 |
| Credit loss provision to net charge-offs | 74.7967% | 2,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2168% | 4,966 |
| Assets per employee ($millions) | 8.5405% | 798 |
| Cash dividends to net income (ytd only)* | 60.8273% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7993% | 653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.6181% | 903 |
| Net loans and leases to deposits | 95.6428% | 825 |
| Net loans and leases to core deposits | 99.0836% | 1,323 |
| Total domestic deposits to total assets | 81.1541% | 3,568 |
| Equity capital to assets | 18.7198% | 251 |
| Core capital (leverage) ratio | 19.2491% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,288,000 | 3,876 |
| Average earning assets | $105,513,333 | 3,812 |
| Average equity | $20,455,000 | 3,134 |
| Average total loans | $90,477,667 | 3,400 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9446% | 1,078 |
| Cost of funding earning assets | 0.2336% | 4,811 |
| Net interest margin | 4.7110% | 321 |
| Noninterest income to average assets | 0.1660% | 4,537 |
| Noninterest expense to average assets | 1.6934% | 4,785 |
| Loan and lease loss provision to assets | 0.0553% | 3,073 |
| Net operating income to assets | 2.9552% | 70 |
| Return on assets (ROA) | 2.9552% | 72 |
| Pretax return on assets | 2.9552% | 98 |
| Return on Equity (ROE) | 15.7906% | 452 |
| Retained earnings to average equity (ytd only) | 5.9338% | 1,898 |
| Net charge-offs to loans | -0.0044% | 3,820 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0000% | 5,028 |
| Assets per employee ($millions) | 8.8657% | 557 |
| Cash dividends to net income (ytd only)* | 62.4220% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.7227% | 1,181 |
| Net loans and leases to deposits | 93.3670% | 1,140 |
| Net loans and leases to core deposits | 96.2942% | 1,766 |
| Total domestic deposits to total assets | 82.1733% | 3,364 |
| Equity capital to assets | 17.7356% | 379 |
| Core capital (leverage) ratio | 19.8893% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,418,500 | 3,865 |
| Average earning assets | $104,437,000 | 3,813 |
| Average equity | $20,290,500 | 3,146 |
| Average total loans | $91,838,500 | 3,363 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1879% | 1,021 |
| Cost of funding earning assets | 0.2224% | 4,912 |
| Net interest margin | 4.9655% | 287 |
| Noninterest income to average assets | 0.1731% | 4,625 |
| Noninterest expense to average assets | 1.6631% | 4,908 |
| Loan and lease loss provision to assets | 0.0553% | 2,922 |
| Net operating income to assets | 3.1623% | 70 |
| Return on assets (ROA) | 3.1623% | 73 |
| Pretax return on assets | 3.1623% | 89 |
| Return on Equity (ROE) | 17.4232% | 379 |
| Retained earnings to average equity (ytd only) | 7.2757% | 1,269 |
| Net charge-offs to loans | -0.0135% | 4,548 |
| Credit loss provision to net charge-offs | -461.5385% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0755% | 5,117 |
| Assets per employee ($millions) | 7.2559% | 953 |
| Cash dividends to net income (ytd only)* | 58.2411% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6523% | 879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 90.7032% | 39 |
| Net loans and leases to deposits | 113.4256% | 134 |
| Net loans and leases to core deposits | 117.5827% | 547 |
| Total domestic deposits to total assets | 79.9671% | 3,986 |
| Equity capital to assets | 19.8262% | 257 |
| Core capital (leverage) ratio | 19.6157% | 255 |
| Tier 1 risk-based capital ratio | 21.2152% | 1,126 |
| Total risk-based capital ratio | 22.4698% | 1,106 |
| Memoranda: | ||
| Average total assets | $108,590,200 | 3,849 |
| Average earning assets | $102,951,000 | 3,819 |
| Average equity | $19,709,400 | 3,161 |
| Average total loans | $96,055,600 | 3,279 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0776% | 1,334 |
| Cost of funding earning assets | 0.2108% | 5,017 |
| Net interest margin | 4.8668% | 370 |
| Noninterest income to average assets | 0.1716% | 4,689 |
| Noninterest expense to average assets | 1.6119% | 4,993 |
| Loan and lease loss provision to assets | 0.0544% | 2,827 |
| Net operating income to assets | 3.1078% | 75 |
| Return on assets (ROA) | 3.1078% | 79 |
| Pretax return on assets | 3.1078% | 104 |
| Return on Equity (ROE) | 17.4946% | 434 |
| Retained earnings to average equity (ytd only) | 10.6927% | 584 |
| Net charge-offs to loans | -0.0152% | 4,506 |
| Credit loss provision to net charge-offs | -409.0909% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.7636% | 5,195 |
| Assets per employee ($millions) | 8.4560% | 579 |
| Cash dividends to net income (ytd only)* | 38.8802% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 88.8736% | 71 |
| Net loans and leases to deposits | 109.1709% | 239 |
| Net loans and leases to core deposits | 112.1291% | 840 |
| Total domestic deposits to total assets | 81.4078% | 3,637 |
| Equity capital to assets | 18.4457% | 352 |
| Core capital (leverage) ratio | 19.6211% | 260 |
| Tier 1 risk-based capital ratio | 20.5799% | 1,264 |
| Total risk-based capital ratio | 21.8334% | 1,236 |
| Memoranda: | ||
| Average total assets | $110,342,000 | 3,870 |
| Average earning assets | $104,351,000 | 3,841 |
| Average equity | $19,601,750 | 3,192 |
| Average total loans | $96,647,750 | 3,310 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0044% | 1,476 |
| Cost of funding earning assets | 0.2036% | 5,066 |
| Net interest margin | 4.8008% | 404 |
| Noninterest income to average assets | 0.1629% | 4,775 |
| Noninterest expense to average assets | 1.6383% | 5,030 |
| Loan and lease loss provision to assets | 0.0543% | 2,735 |
| Net operating income to assets | 3.0377% | 82 |
| Return on assets (ROA) | 3.0377% | 87 |
| Pretax return on assets | 3.0377% | 115 |
| Return on Equity (ROE) | 17.3198% | 433 |
| Retained earnings to average equity (ytd only) | 12.1590% | 390 |
| Net charge-offs to loans | -0.0104% | 4,339 |
| Credit loss provision to net charge-offs | -600.0000% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6345% | 5,236 |
| Assets per employee ($millions) | 8.0293% | 664 |
| Cash dividends to net income (ytd only)* | 29.7974% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 1,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 88.2517% | 102 |
| Net loans and leases to deposits | 109.1795% | 233 |
| Net loans and leases to core deposits | 112.3130% | 853 |
| Total domestic deposits to total assets | 80.8318% | 3,868 |
| Equity capital to assets | 19.0485% | 291 |
| Core capital (leverage) ratio | 19.0786% | 270 |
| Tier 1 risk-based capital ratio | 21.0351% | 1,172 |
| Total risk-based capital ratio | 22.2898% | 1,159 |
| Memoranda: | ||
| Average total assets | $110,480,000 | 3,894 |
| Average earning assets | $105,106,670 | 3,857 |
| Average equity | $19,376,670 | 3,208 |
| Average total loans | $95,787,670 | 3,342 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 1,395 |
| Cost of funding earning assets | 0.1904% | 5,136 |
| Net interest margin | 4.7856% | 423 |
| Noninterest income to average assets | 0.1480% | 4,857 |
| Noninterest expense to average assets | 1.6630% | 5,050 |
| Loan and lease loss provision to assets | 0.0528% | 2,605 |
| Net operating income to assets | 2.9490% | 87 |
| Return on assets (ROA) | 2.9490% | 93 |
| Pretax return on assets | 2.9490% | 135 |
| Return on Equity (ROE) | 17.5073% | 444 |
| Retained earnings to average equity (ytd only) | 17.5073% | 163 |
| Net charge-offs to loans | -0.0083% | 4,155 |
| Credit loss provision to net charge-offs | -750.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6495% | 5,275 |
| Assets per employee ($millions) | 8.4336% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 1,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 85.5441% | 225 |
| Net loans and leases to deposits | 104.1950% | 387 |
| Net loans and leases to core deposits | 106.5216% | 1,137 |
| Total domestic deposits to total assets | 82.1000% | 3,697 |
| Equity capital to assets | 17.8243% | 363 |
| Core capital (leverage) ratio | 16.8937% | 432 |
| Tier 1 risk-based capital ratio | 20.2632% | 1,294 |
| Total risk-based capital ratio | 21.5168% | 1,262 |
| Memoranda: | ||
| Average total assets | $113,529,500 | 3,886 |
| Average earning assets | $107,155,500 | 3,858 |
| Average equity | $19,123,500 | 3,251 |
| Average total loans | $96,867,500 | 3,367 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 2,174 |
| Cost of funding earning assets | 0.1338% | 5,219 |
| Net interest margin | 4.4507% | 837 |
| Noninterest income to average assets | 0.1649% | 4,899 |
| Noninterest expense to average assets | 1.7282% | 5,063 |
| Loan and lease loss provision to assets | 0.0362% | 3,474 |
| Net operating income to assets | 2.6476% | 116 |
| Return on assets (ROA) | 2.6476% | 116 |
| Pretax return on assets | 2.6476% | 160 |
| Return on Equity (ROE) | 17.0132% | 494 |
| Retained earnings to average equity (ytd only) | 17.0132% | 66 |
| Net charge-offs to loans | -0.0319% | 4,833 |
| Credit loss provision to net charge-offs | -133.3333% | 4,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1706% | 5,291 |
| Assets per employee ($millions) | 7.8281% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 1,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 82.5910% | 577 |
| Net loans and leases to deposits | 98.4119% | 857 |
| Net loans and leases to core deposits | 100.1528% | 1,707 |
| Total domestic deposits to total assets | 83.9238% | 3,019 |
| Equity capital to assets | 15.9297% | 543 |
| Core capital (leverage) ratio | 16.3002% | 480 |
| Tier 1 risk-based capital ratio | 19.0438% | 1,512 |
| Total risk-based capital ratio | 20.2971% | 1,474 |
| Memoranda: | ||
| Average total assets | $110,401,400 | 3,939 |
| Average earning assets | $105,355,000 | 3,890 |
| Average equity | $17,180,800 | 3,376 |
| Average total loans | $94,045,000 | 3,408 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 2,388 |
| Cost of funding earning assets | 0.1236% | 5,294 |
| Net interest margin | 4.3495% | 1,011 |
| Noninterest income to average assets | 0.1706% | 4,935 |
| Noninterest expense to average assets | 1.7929% | 5,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.5673% | 143 |
| Return on assets (ROA) | 2.5673% | 142 |
| Pretax return on assets | 2.5673% | 204 |
| Return on Equity (ROE) | 16.6030% | 599 |
| Retained earnings to average equity (ytd only) | 16.6030% | 118 |
| Net charge-offs to loans | -0.0402% | 4,854 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1202% | 5,303 |
| Assets per employee ($millions) | 7.2480% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 1,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 85.3900% | 325 |
| Net loans and leases to deposits | 102.3471% | 626 |
| Net loans and leases to core deposits | 104.3148% | 1,434 |
| Total domestic deposits to total assets | 83.4318% | 3,153 |
| Equity capital to assets | 16.4404% | 464 |
| Core capital (leverage) ratio | 15.9975% | 516 |
| Tier 1 risk-based capital ratio | 19.1221% | 1,508 |
| Total risk-based capital ratio | 20.3759% | 1,480 |
| Memoranda: | ||
| Average total assets | $108,646,250 | 4,007 |
| Average earning assets | $104,652,750 | 3,944 |
| Average equity | $16,799,750 | 3,441 |
| Average total loans | $92,942,500 | 3,451 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 2,579 |
| Cost of funding earning assets | 0.1130% | 5,369 |
| Net interest margin | 4.2391% | 1,193 |
| Noninterest income to average assets | 0.1768% | 4,937 |
| Noninterest expense to average assets | 1.7952% | 5,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.4581% | 161 |
| Return on assets (ROA) | 2.4581% | 160 |
| Pretax return on assets | 2.4581% | 242 |
| Return on Equity (ROE) | 16.2392% | 624 |
| Retained earnings to average equity (ytd only) | 16.2392% | 149 |
| Net charge-offs to loans | -0.0324% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2078% | 5,337 |
| Assets per employee ($millions) | 6.8295% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 1,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 83.5749% | 517 |
| Net loans and leases to deposits | 99.2102% | 863 |
| Net loans and leases to core deposits | 101.0870% | 1,647 |
| Total domestic deposits to total assets | 84.2402% | 2,974 |
| Equity capital to assets | 15.6646% | 563 |
| Core capital (leverage) ratio | 16.6526% | 431 |
| Tier 1 risk-based capital ratio | 19.2479% | 1,488 |
| Total risk-based capital ratio | 20.5029% | 1,444 |
| Memoranda: | ||
| Average total assets | $108,621,670 | 4,039 |
| Average earning assets | $104,456,330 | 3,976 |
| Average equity | $16,441,670 | 3,513 |
| Average total loans | $92,492,000 | 3,470 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 2,573 |
| Cost of funding earning assets | 0.1077% | 5,442 |
| Net interest margin | 4.1797% | 1,216 |
| Noninterest income to average assets | 0.1551% | 5,088 |
| Noninterest expense to average assets | 1.7951% | 5,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.3750% | 181 |
| Return on assets (ROA) | 2.3750% | 185 |
| Pretax return on assets | 2.3750% | 278 |
| Return on Equity (ROE) | 15.9712% | 626 |
| Retained earnings to average equity (ytd only) | 15.9712% | 249 |
| Net charge-offs to loans | -0.0260% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0469% | 5,372 |
| Assets per employee ($millions) | 6.3684% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 1,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.6707% | 575 |
| Net loans and leases to deposits | 97.5424% | 905 |
| Net loans and leases to core deposits | 98.9563% | 1,771 |
| Total domestic deposits to total assets | 84.7537% | 3,017 |
| Equity capital to assets | 15.1725% | 630 |
| Core capital (leverage) ratio | 15.1848% | 617 |
| Tier 1 risk-based capital ratio | 18.4554% | 1,707 |
| Total risk-based capital ratio | 19.7092% | 1,667 |
| Memoranda: | ||
| Average total assets | $108,296,500 | 4,094 |
| Average earning assets | $104,026,500 | 4,029 |
| Average equity | $16,104,000 | 3,577 |
| Average total loans | $92,361,000 | 3,495 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 2,930 |
| Cost of funding earning assets | 0.1142% | 5,434 |
| Net interest margin | 4.0211% | 1,686 |
| Noninterest income to average assets | 0.1814% | 5,048 |
| Noninterest expense to average assets | 1.9091% | 5,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.1559% | 210 |
| Return on assets (ROA) | 2.1559% | 213 |
| Pretax return on assets | 2.1559% | 344 |
| Return on Equity (ROE) | 14.7978% | 638 |
| Retained earnings to average equity (ytd only) | 1.9636% | 4,144 |
| Net charge-offs to loans | -0.0422% | 5,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9641% | 5,360 |
| Assets per employee ($millions) | 6.7707% | 1,068 |
| Cash dividends to net income (ytd only)* | 86.7303% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 1,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 85.2988% | 313 |
| Net loans and leases to deposits | 99.9881% | 729 |
| Net loans and leases to core deposits | 101.1483% | 1,622 |
| Total domestic deposits to total assets | 85.3089% | 2,722 |
| Equity capital to assets | 14.5683% | 762 |
| Core capital (leverage) ratio | 14.2515% | 784 |
| Tier 1 risk-based capital ratio | 17.7839% | 1,864 |
| Total risk-based capital ratio | 19.0381% | 1,810 |
| Memoranda: | ||
| Average total assets | $106,962,000 | 4,116 |
| Average earning assets | $103,303,800 | 4,038 |
| Average equity | $15,583,400 | 3,647 |
| Average total loans | $90,146,400 | 3,521 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 3,178 |
| Cost of funding earning assets | 0.1137% | 5,504 |
| Net interest margin | 3.9359% | 1,910 |
| Noninterest income to average assets | 0.1876% | 5,076 |
| Noninterest expense to average assets | 1.8945% | 5,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.1034% | 259 |
| Return on assets (ROA) | 2.1034% | 266 |
| Pretax return on assets | 2.1034% | 443 |
| Return on Equity (ROE) | 14.4370% | 748 |
| Retained earnings to average equity (ytd only) | 1.5621% | 4,801 |
| Net charge-offs to loans | -0.0374% | 5,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3882% | 5,371 |
| Assets per employee ($millions) | 6.4249% | 1,229 |
| Cash dividends to net income (ytd only)* | 89.1796% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 1,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.2747% | 515 |
| Net loans and leases to deposits | 97.3187% | 985 |
| Net loans and leases to core deposits | 98.4340% | 1,849 |
| Total domestic deposits to total assets | 85.5691% | 2,492 |
| Equity capital to assets | 14.3357% | 900 |
| Core capital (leverage) ratio | 14.2247% | 832 |
| Tier 1 risk-based capital ratio | 17.4179% | 2,034 |
| Total risk-based capital ratio | 18.6716% | 1,980 |
| Memoranda: | ||
| Average total assets | $106,619,750 | 4,167 |
| Average earning assets | $103,218,250 | 4,083 |
| Average equity | $15,533,750 | 3,687 |
| Average total loans | $89,230,500 | 3,570 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 3,319 |
| Cost of funding earning assets | 0.1075% | 5,568 |
| Net interest margin | 3.8615% | 2,058 |
| Noninterest income to average assets | 0.1872% | 5,115 |
| Noninterest expense to average assets | 1.9272% | 5,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9952% | 313 |
| Return on assets (ROA) | 1.9952% | 318 |
| Pretax return on assets | 1.9952% | 535 |
| Return on Equity (ROE) | 13.6196% | 888 |
| Retained earnings to average equity (ytd only) | 0.7100% | 4,919 |
| Net charge-offs to loans | -0.0249% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1321% | 5,350 |
| Assets per employee ($millions) | 6.1757% | 1,337 |
| Cash dividends to net income (ytd only)* | 94.7867% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 1,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 84.9600% | 349 |
| Net loans and leases to deposits | 104.5661% | 464 |
| Net loans and leases to core deposits | 105.8806% | 1,240 |
| Total domestic deposits to total assets | 81.2501% | 4,119 |
| Equity capital to assets | 14.7942% | 746 |
| Core capital (leverage) ratio | 14.7159% | 695 |
| Tier 1 risk-based capital ratio | 17.2176% | 2,089 |
| Total risk-based capital ratio | 18.4702% | 2,038 |
| Memoranda: | ||
| Average total assets | $105,751,670 | 4,214 |
| Average earning assets | $102,292,000 | 4,127 |
| Average equity | $15,492,330 | 3,700 |
| Average total loans | $88,191,330 | 3,614 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8639% | 3,535 |
| Cost of funding earning assets | 0.1093% | 5,617 |
| Net interest margin | 3.7546% | 2,286 |
| Noninterest income to average assets | 0.1809% | 5,186 |
| Noninterest expense to average assets | 1.9485% | 5,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8580% | 401 |
| Return on assets (ROA) | 1.8580% | 416 |
| Pretax return on assets | 1.8580% | 705 |
| Return on Equity (ROE) | 12.7452% | 1,054 |
| Retained earnings to average equity (ytd only) | -0.1810% | 4,947 |
| Net charge-offs to loans | -0.0276% | 4,892 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1881% | 5,315 |
| Assets per employee ($millions) | 6.5507% | 1,160 |
| Cash dividends to net income (ytd only)* | 101.4199% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 1,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 81.8311% | 584 |
| Net loans and leases to deposits | 96.0555% | 930 |
| Net loans and leases to core deposits | 97.2074% | 1,732 |
| Total domestic deposits to total assets | 85.1914% | 3,007 |
| Equity capital to assets | 14.7589% | 696 |
| Core capital (leverage) ratio | 14.2335% | 780 |
| Tier 1 risk-based capital ratio | 17.8387% | 1,929 |
| Total risk-based capital ratio | 19.0922% | 1,879 |
| Memoranda: | ||
| Average total assets | $106,134,000 | 4,241 |
| Average earning assets | $102,487,500 | 4,165 |
| Average equity | $15,472,500 | 3,728 |
| Average total loans | $86,999,500 | 3,666 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 3,720 |
| Cost of funding earning assets | 0.1122% | 5,649 |
| Net interest margin | 3.7447% | 2,521 |
| Noninterest income to average assets | 0.1884% | 5,274 |
| Noninterest expense to average assets | 1.7821% | 5,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.0153% | 307 |
| Return on assets (ROA) | 2.0153% | 322 |
| Pretax return on assets | 2.0153% | 482 |
| Return on Equity (ROE) | 13.9445% | 785 |
| Retained earnings to average equity (ytd only) | 1.0389% | 4,901 |
| Net charge-offs to loans | -0.1563% | 5,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9303% | 5,612 |
| Assets per employee ($millions) | 7.1638% | 852 |
| Cash dividends to net income (ytd only)* | 92.5497% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 1,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 79.5583% | 958 |
| Net loans and leases to deposits | 93.0727% | 1,289 |
| Net loans and leases to core deposits | 94.1572% | 2,088 |
| Total domestic deposits to total assets | 85.4798% | 2,841 |
| Equity capital to assets | 14.4020% | 764 |
| Core capital (leverage) ratio | 14.2162% | 757 |
| Tier 1 risk-based capital ratio | 18.3193% | 1,771 |
| Total risk-based capital ratio | 19.5741% | 1,736 |
| Memoranda: | ||
| Average total assets | $107,231,200 | 4,218 |
| Average earning assets | $103,347,000 | 4,130 |
| Average equity | $15,497,200 | 3,754 |
| Average total loans | $86,351,800 | 3,654 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 3,727 |
| Cost of funding earning assets | 0.1148% | 5,699 |
| Net interest margin | 3.7472% | 2,530 |
| Noninterest income to average assets | 0.1916% | 5,315 |
| Noninterest expense to average assets | 1.7740% | 5,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0303% | 324 |
| Return on assets (ROA) | 2.0303% | 337 |
| Pretax return on assets | 2.0303% | 534 |
| Return on Equity (ROE) | 14.0361% | 821 |
| Retained earnings to average equity (ytd only) | 1.1353% | 5,049 |
| Net charge-offs to loans | -0.1948% | 5,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6318% | 5,646 |
| Assets per employee ($millions) | 7.2066% | 814 |
| Cash dividends to net income (ytd only)* | 91.9116% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5903% | 1,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.7408% | 1,242 |
| Net loans and leases to deposits | 90.7978% | 1,659 |
| Net loans and leases to core deposits | 91.8467% | 2,397 |
| Total domestic deposits to total assets | 85.6197% | 2,547 |
| Equity capital to assets | 14.2897% | 933 |
| Core capital (leverage) ratio | 14.3551% | 761 |
| Tier 1 risk-based capital ratio | 18.3888% | 1,810 |
| Total risk-based capital ratio | 19.6436% | 1,774 |
| Memoranda: | ||
| Average total assets | $107,174,750 | 4,259 |
| Average earning assets | $103,327,000 | 4,157 |
| Average equity | $15,502,500 | 3,785 |
| Average total loans | $86,225,250 | 3,675 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 3,668 |
| Cost of funding earning assets | 0.1185% | 5,761 |
| Net interest margin | 3.7583% | 2,482 |
| Noninterest income to average assets | 0.1890% | 5,364 |
| Noninterest expense to average assets | 1.7817% | 5,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0268% | 316 |
| Return on assets (ROA) | 2.0268% | 333 |
| Pretax return on assets | 2.0268% | 541 |
| Return on Equity (ROE) | 13.9553% | 841 |
| Retained earnings to average equity (ytd only) | 1.0695% | 4,959 |
| Net charge-offs to loans | -0.2821% | 5,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7813% | 5,722 |
| Assets per employee ($millions) | 6.9619% | 890 |
| Cash dividends to net income (ytd only)* | 92.3361% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 1,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 80.8988% | 772 |
| Net loans and leases to deposits | 94.9865% | 1,190 |
| Net loans and leases to core deposits | 96.4131% | 1,944 |
| Total domestic deposits to total assets | 85.1687% | 2,793 |
| Equity capital to assets | 14.7451% | 805 |
| Core capital (leverage) ratio | 14.5852% | 700 |
| Tier 1 risk-based capital ratio | 17.9887% | 1,936 |
| Total risk-based capital ratio | 19.2423% | 1,897 |
| Memoranda: | ||
| Average total assets | $106,866,670 | 4,293 |
| Average earning assets | $102,918,000 | 4,200 |
| Average equity | $15,521,000 | 3,797 |
| Average total loans | $86,502,000 | 3,678 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 3,925 |
| Cost of funding earning assets | 0.1189% | 5,819 |
| Net interest margin | 3.6850% | 2,729 |
| Noninterest income to average assets | 0.1665% | 5,493 |
| Noninterest expense to average assets | 1.7431% | 5,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9799% | 349 |
| Return on assets (ROA) | 1.9799% | 368 |
| Pretax return on assets | 1.9799% | 596 |
| Return on Equity (ROE) | 13.7334% | 892 |
| Retained earnings to average equity (ytd only) | 13.7334% | 339 |
| Net charge-offs to loans | -0.5251% | 5,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8191% | 5,778 |
| Assets per employee ($millions) | 7.0314% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 1,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 80.6497% | 722 |
| Net loans and leases to deposits | 94.9840% | 1,046 |
| Net loans and leases to core deposits | 96.4028% | 1,758 |
| Total domestic deposits to total assets | 84.9086% | 3,160 |
| Equity capital to assets | 15.0278% | 689 |
| Core capital (leverage) ratio | 14.7792% | 647 |
| Tier 1 risk-based capital ratio | 17.7398% | 2,053 |
| Total risk-based capital ratio | 18.9934% | 2,018 |
| Memoranda: | ||
| Average total assets | $108,086,000 | 4,299 |
| Average earning assets | $104,313,500 | 4,205 |
| Average equity | $15,582,500 | 3,800 |
| Average total loans | $86,835,500 | 3,686 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 4,144 |
| Cost of funding earning assets | 0.1591% | 5,622 |
| Net interest margin | 3.6071% | 3,101 |
| Noninterest income to average assets | 0.1884% | 5,468 |
| Noninterest expense to average assets | 1.6857% | 5,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9122% | 401 |
| Return on assets (ROA) | 1.9122% | 411 |
| Pretax return on assets | 1.9540% | 595 |
| Return on Equity (ROE) | 14.4407% | 778 |
| Retained earnings to average equity (ytd only) | 14.4407% | 149 |
| Net charge-offs to loans | 0.0790% | 2,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 31.4179% | 1,405 |
| Efficiency ratio | 46.3147% | 5,916 |
| Assets per employee ($millions) | 7.3801% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 2,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 77.7156% | 1,162 |
| Net loans and leases to deposits | 90.3214% | 1,577 |
| Net loans and leases to core deposits | 91.5887% | 2,264 |
| Total domestic deposits to total assets | 86.0435% | 2,621 |
| Equity capital to assets | 13.8346% | 989 |
| Core capital (leverage) ratio | 14.5747% | 696 |
| Tier 1 risk-based capital ratio | 17.3158% | 2,174 |
| Total risk-based capital ratio | 18.5675% | 2,132 |
| Memoranda: | ||
| Average total assets | $107,729,000 | 4,300 |
| Average earning assets | $103,075,800 | 4,210 |
| Average equity | $14,265,200 | 3,937 |
| Average total loans | $84,762,800 | 3,707 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 4,162 |
| Cost of funding earning assets | 0.1709% | 5,621 |
| Net interest margin | 3.6084% | 3,125 |
| Noninterest income to average assets | 0.1907% | 5,516 |
| Noninterest expense to average assets | 1.6986% | 5,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8980% | 428 |
| Return on assets (ROA) | 1.8980% | 448 |
| Pretax return on assets | 1.9392% | 677 |
| Return on Equity (ROE) | 14.5016% | 808 |
| Retained earnings to average equity (ytd only) | 14.5016% | 189 |
| Net charge-offs to loans | -0.0127% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6941% | 5,932 |
| Assets per employee ($millions) | 6.5983% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 1,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 77.7441% | 1,142 |
| Net loans and leases to deposits | 90.5117% | 1,584 |
| Net loans and leases to core deposits | 92.1085% | 2,249 |
| Total domestic deposits to total assets | 85.8940% | 2,587 |
| Equity capital to assets | 13.9980% | 1,023 |
| Core capital (leverage) ratio | 13.9758% | 872 |
| Tier 1 risk-based capital ratio | 17.8720% | 2,062 |
| Total risk-based capital ratio | 19.1261% | 2,028 |
| Memoranda: | ||
| Average total assets | $106,986,000 | 4,367 |
| Average earning assets | $102,204,250 | 4,275 |
| Average equity | $14,002,750 | 4,018 |
| Average total loans | $84,137,500 | 3,753 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 4,223 |
| Cost of funding earning assets | 0.1807% | 5,606 |
| Net interest margin | 3.5745% | 3,192 |
| Noninterest income to average assets | 0.1880% | 5,563 |
| Noninterest expense to average assets | 1.6844% | 5,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8873% | 439 |
| Return on assets (ROA) | 1.8873% | 456 |
| Pretax return on assets | 1.9282% | 697 |
| Return on Equity (ROE) | 14.7552% | 771 |
| Retained earnings to average equity (ytd only) | 14.7552% | 202 |
| Net charge-offs to loans | -0.0024% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6255% | 6,017 |
| Assets per employee ($millions) | 7.3439% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 2,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 80.8275% | 694 |
| Net loans and leases to deposits | 93.9558% | 1,154 |
| Net loans and leases to core deposits | 95.6823% | 1,831 |
| Total domestic deposits to total assets | 86.0272% | 2,686 |
| Equity capital to assets | 13.8785% | 1,020 |
| Core capital (leverage) ratio | 13.5961% | 960 |
| Tier 1 risk-based capital ratio | 17.1225% | 2,361 |
| Total risk-based capital ratio | 18.3764% | 2,305 |
| Memoranda: | ||
| Average total assets | $107,457,330 | 4,393 |
| Average earning assets | $102,951,670 | 4,299 |
| Average equity | $13,744,330 | 4,090 |
| Average total loans | $84,389,000 | 3,771 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 4,577 |
| Cost of funding earning assets | 0.1907% | 5,596 |
| Net interest margin | 3.4471% | 3,635 |
| Noninterest income to average assets | 0.1822% | 5,623 |
| Noninterest expense to average assets | 1.7781% | 5,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6579% | 650 |
| Return on assets (ROA) | 1.6579% | 680 |
| Pretax return on assets | 1.6980% | 1,054 |
| Return on Equity (ROE) | 13.4995% | 985 |
| Retained earnings to average equity (ytd only) | 13.4995% | 398 |
| Net charge-offs to loans | 0.0569% | 2,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 38.8333% | 993 |
| Efficiency ratio | 51.1530% | 5,851 |
| Assets per employee ($millions) | 7.9121% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 2,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 75.3388% | 1,303 |
| Net loans and leases to deposits | 86.0490% | 1,826 |
| Net loans and leases to core deposits | 87.5153% | 2,374 |
| Total domestic deposits to total assets | 87.5534% | 2,070 |
| Equity capital to assets | 12.3762% | 1,771 |
| Core capital (leverage) ratio | 12.4912% | 1,367 |
| Tier 1 risk-based capital ratio | 16.8174% | 2,549 |
| Total risk-based capital ratio | 18.0711% | 2,506 |
| Memoranda: | ||
| Average total assets | $109,779,000 | 4,371 |
| Average earning assets | $104,900,000 | 4,279 |
| Average equity | $13,482,000 | 4,149 |
| Average total loans | $84,382,500 | 3,789 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 3,676 |
| Cost of funding earning assets | 0.2483% | 5,343 |
| Net interest margin | 3.7662% | 2,749 |
| Noninterest income to average assets | 0.2280% | 5,490 |
| Noninterest expense to average assets | 1.7930% | 6,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.0088% | 318 |
| Return on assets (ROA) | 2.0088% | 330 |
| Pretax return on assets | 2.0501% | 466 |
| Return on Equity (ROE) | 17.5699% | 438 |
| Retained earnings to average equity (ytd only) | 17.5699% | 94 |
| Net charge-offs to loans | -0.0317% | 5,804 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6553% | 6,238 |
| Assets per employee ($millions) | 7.7706% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 2,065 |
| Loan loss allowance to noncurrent loans | 7,100.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 5,979 |
| Noncurrent loans to loans | 0.0226% | 5,798 |
| Net loans and leases to total assets | 75.9516% | 1,272 |
| Net loans and leases to deposits | 86.6256% | 1,899 |
| Net loans and leases to core deposits | 88.1449% | 2,483 |
| Total domestic deposits to total assets | 87.6780% | 1,938 |
| Equity capital to assets | 12.1841% | 1,878 |
| Core capital (leverage) ratio | 12.0620% | 1,586 |
| Tier 1 risk-based capital ratio | 16.4689% | 2,725 |
| Total risk-based capital ratio | 17.7238% | 2,676 |
| Memoranda: | ||
| Average total assets | $106,582,600 | 4,443 |
| Average earning assets | $102,304,800 | 4,344 |
| Average equity | $12,185,600 | 4,324 |
| Average total loans | $85,238,800 | 3,732 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 3,458 |
| Cost of funding earning assets | 0.2588% | 5,321 |
| Net interest margin | 3.8212% | 2,538 |
| Noninterest income to average assets | 0.2351% | 5,519 |
| Noninterest expense to average assets | 1.8032% | 6,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.0673% | 304 |
| Return on assets (ROA) | 2.0673% | 314 |
| Pretax return on assets | 2.1088% | 444 |
| Return on Equity (ROE) | 18.3915% | 406 |
| Retained earnings to average equity (ytd only) | 18.3915% | 100 |
| Net charge-offs to loans | -0.0249% | 5,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0945% | 6,290 |
| Assets per employee ($millions) | 6.3671% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 2,434 |
| Loan loss allowance to noncurrent loans | 6,371.4286% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 6,094 |
| Noncurrent loans to loans | 0.0246% | 5,924 |
| Net loans and leases to total assets | 77.6949% | 991 |
| Net loans and leases to deposits | 88.2121% | 1,643 |
| Net loans and leases to core deposits | 89.7686% | 2,248 |
| Total domestic deposits to total assets | 88.0774% | 1,722 |
| Equity capital to assets | 11.7868% | 2,230 |
| Core capital (leverage) ratio | 11.8283% | 1,812 |
| Tier 1 risk-based capital ratio | 15.2816% | 3,430 |
| Total risk-based capital ratio | 16.5357% | 3,369 |
| Memoranda: | ||
| Average total assets | $106,031,000 | 4,500 |
| Average earning assets | $102,024,500 | 4,388 |
| Average equity | $11,918,250 | 4,400 |
| Average total loans | $85,554,500 | 3,766 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 3,267 |
| Cost of funding earning assets | 0.2767% | 5,225 |
| Net interest margin | 3.8427% | 2,402 |
| Noninterest income to average assets | 0.2165% | 5,655 |
| Noninterest expense to average assets | 1.8064% | 6,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0609% | 295 |
| Return on assets (ROA) | 2.0609% | 310 |
| Pretax return on assets | 2.1027% | 441 |
| Return on Equity (ROE) | 18.6453% | 394 |
| Retained earnings to average equity (ytd only) | 18.6453% | 108 |
| Net charge-offs to loans | -0.0257% | 5,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2099% | 6,355 |
| Assets per employee ($millions) | 5.9191% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 2,761 |
| Loan loss allowance to noncurrent loans | 1,294.1748% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 5,736 |
| Noncurrent loans to loans | 0.1182% | 5,661 |
| Net loans and leases to total assets | 80.5468% | 623 |
| Net loans and leases to deposits | 91.0892% | 1,263 |
| Net loans and leases to core deposits | 93.4989% | 1,817 |
| Total domestic deposits to total assets | 88.4263% | 1,670 |
| Equity capital to assets | 11.4498% | 2,465 |
| Core capital (leverage) ratio | 11.3644% | 2,106 |
| Tier 1 risk-based capital ratio | 14.1819% | 4,137 |
| Total risk-based capital ratio | 15.4351% | 4,070 |
| Memoranda: | ||
| Average total assets | $105,294,670 | 4,551 |
| Average earning assets | $101,179,000 | 4,433 |
| Average equity | $11,638,330 | 4,465 |
| Average total loans | $85,594,330 | 3,777 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 3,792 |
| Cost of funding earning assets | 0.2945% | 5,128 |
| Net interest margin | 3.6810% | 2,948 |
| Noninterest income to average assets | 0.2102% | 5,673 |
| Noninterest expense to average assets | 1.8381% | 6,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8649% | 430 |
| Return on assets (ROA) | 1.8649% | 451 |
| Pretax return on assets | 1.9069% | 641 |
| Return on Equity (ROE) | 17.1861% | 517 |
| Retained earnings to average equity (ytd only) | 17.1861% | 211 |
| Net charge-offs to loans | -0.0047% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0816% | 6,310 |
| Assets per employee ($millions) | 5.8311% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 2,956 |
| Loan loss allowance to noncurrent loans | 1,225.0000% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 5,806 |
| Noncurrent loans to loans | 0.1261% | 5,729 |
| Net loans and leases to total assets | 80.3687% | 507 |
| Net loans and leases to deposits | 90.4660% | 1,097 |
| Net loans and leases to core deposits | 92.3973% | 1,693 |
| Total domestic deposits to total assets | 88.8386% | 1,759 |
| Equity capital to assets | 11.0537% | 2,675 |
| Core capital (leverage) ratio | 10.8345% | 2,559 |
| Tier 1 risk-based capital ratio | 13.3090% | 4,820 |
| Total risk-based capital ratio | 14.5617% | 4,743 |
| Memoranda: | ||
| Average total assets | $104,670,500 | 4,613 |
| Average earning assets | $100,516,500 | 4,495 |
| Average equity | $11,358,000 | 4,531 |
| Average total loans | $84,816,500 | 3,829 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8341% | 4,677 |
| Cost of funding earning assets | 0.3904% | 4,752 |
| Net interest margin | 3.4437% | 4,117 |
| Noninterest income to average assets | 0.2214% | 5,752 |
| Noninterest expense to average assets | 1.6385% | 6,492 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8491% | 442 |
| Return on assets (ROA) | 1.8491% | 451 |
| Pretax return on assets | 1.8916% | 614 |
| Return on Equity (ROE) | 18.5501% | 373 |
| Retained earnings to average equity (ytd only) | -9.1028% | 6,521 |
| Net charge-offs to loans | -0.0087% | 6,001 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4158% | 6,540 |
| Assets per employee ($millions) | 5.7989% | 1,407 |
| Cash dividends to net income (ytd only)* | 149.0714% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 2,862 |
| Loan loss allowance to noncurrent loans | 648.0392% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 5,563 |
| Noncurrent loans to loans | 0.2430% | 5,451 |
| Net loans and leases to total assets | 79.1648% | 688 |
| Net loans and leases to deposits | 88.7735% | 1,378 |
| Net loans and leases to core deposits | 90.6680% | 1,941 |
| Total domestic deposits to total assets | 89.1762% | 1,503 |
| Equity capital to assets | 10.6475% | 2,979 |
| Core capital (leverage) ratio | 10.3755% | 3,056 |
| Tier 1 risk-based capital ratio | 12.8442% | 5,087 |
| Total risk-based capital ratio | 14.0982% | 5,029 |
| Memoranda: | ||
| Average total assets | $110,649,800 | 4,486 |
| Average earning assets | $106,308,800 | 4,356 |
| Average equity | $11,029,600 | 4,629 |
| Average total loans | $80,045,000 | 3,937 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 5,034 |
| Cost of funding earning assets | 0.4093% | 4,739 |
| Net interest margin | 3.3410% | 4,493 |
| Noninterest income to average assets | 0.2174% | 5,876 |
| Noninterest expense to average assets | 1.6087% | 6,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7775% | 546 |
| Return on assets (ROA) | 1.7775% | 574 |
| Pretax return on assets | 1.8191% | 861 |
| Return on Equity (ROE) | 18.1189% | 432 |
| Retained earnings to average equity (ytd only) | -18.8214% | 6,747 |
| Net charge-offs to loans | 0.0051% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 510.3200% | 113 |
| Efficiency ratio | 46.9324% | 6,554 |
| Assets per employee ($millions) | 5.9353% | 1,281 |
| Cash dividends to net income (ytd only)* | 203.8769% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 2,995 |
| Loan loss allowance to noncurrent loans | 1,075.4098% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 5,970 |
| Noncurrent loans to loans | 0.1490% | 5,873 |
| Net loans and leases to total assets | 75.4172% | 1,074 |
| Net loans and leases to deposits | 83.8444% | 1,899 |
| Net loans and leases to core deposits | 85.8162% | 2,430 |
| Total domestic deposits to total assets | 89.9490% | 1,030 |
| Equity capital to assets | 9.8881% | 4,071 |
| Core capital (leverage) ratio | 9.7688% | 4,003 |
| Tier 1 risk-based capital ratio | 12.8483% | 5,227 |
| Total risk-based capital ratio | 14.1022% | 5,167 |
| Memoranda: | ||
| Average total assets | $112,217,000 | 4,504 |
| Average earning assets | $107,829,250 | 4,359 |
| Average equity | $11,008,500 | 4,683 |
| Average total loans | $79,067,500 | 4,002 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 5,211 |
| Cost of funding earning assets | 0.4326% | 4,633 |
| Net interest margin | 3.2475% | 4,781 |
| Noninterest income to average assets | 0.2105% | 5,936 |
| Noninterest expense to average assets | 1.5981% | 6,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6911% | 632 |
| Return on assets (ROA) | 1.6911% | 691 |
| Pretax return on assets | 1.7332% | 1,049 |
| Return on Equity (ROE) | 17.2811% | 533 |
| Retained earnings to average equity (ytd only) | -29.3277% | 6,846 |
| Net charge-offs to loans | 0.0179% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 141.1429% | 352 |
| Efficiency ratio | 47.9726% | 6,539 |
| Assets per employee ($millions) | 6.1942% | 1,079 |
| Cash dividends to net income (ytd only)* | 269.7095% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 2,766 |
| Loan loss allowance to noncurrent loans | 1,072.1311% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 6,043 |
| Noncurrent loans to loans | 0.1590% | 5,925 |
| Net loans and leases to total assets | 67.6598% | 2,312 |
| Net loans and leases to deposits | 74.8007% | 3,038 |
| Net loans and leases to core deposits | 77.2693% | 3,394 |
| Total domestic deposits to total assets | 90.4535% | 781 |
| Equity capital to assets | 9.4012% | 4,719 |
| Core capital (leverage) ratio | 9.5772% | 4,109 |
| Tier 1 risk-based capital ratio | 13.5100% | 4,766 |
| Total risk-based capital ratio | 14.7654% | 4,716 |
| Memoranda: | ||
| Average total assets | $114,011,000 | 4,487 |
| Average earning assets | $109,561,670 | 4,348 |
| Average equity | $11,156,670 | 4,690 |
| Average total loans | $78,128,670 | 4,040 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 5,140 |
| Cost of funding earning assets | 0.4541% | 4,547 |
| Net interest margin | 3.2509% | 4,730 |
| Noninterest income to average assets | 0.2013% | 6,039 |
| Noninterest expense to average assets | 1.5477% | 6,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7420% | 527 |
| Return on assets (ROA) | 1.7420% | 585 |
| Pretax return on assets | 1.7837% | 912 |
| Return on Equity (ROE) | 17.4700% | 475 |
| Retained earnings to average equity (ytd only) | -43.4314% | 6,949 |
| Net charge-offs to loans | -0.0203% | 5,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4583% | 6,674 |
| Assets per employee ($millions) | 6.4216% | 1,014 |
| Cash dividends to net income (ytd only)* | 348.6056% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7451% | 2,819 |
| Loan loss allowance to noncurrent loans | 666.1616% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 6,058 |
| Noncurrent loans to loans | 0.2620% | 5,753 |
| Net loans and leases to total assets | 64.2492% | 2,658 |
| Net loans and leases to deposits | 71.0113% | 3,325 |
| Net loans and leases to core deposits | 73.3597% | 3,658 |
| Total domestic deposits to total assets | 90.4775% | 778 |
| Equity capital to assets | 9.4040% | 4,994 |
| Core capital (leverage) ratio | 9.5199% | 4,046 |
| Tier 1 risk-based capital ratio | 14.4275% | 4,226 |
| Total risk-based capital ratio | 15.6832% | 4,189 |
| Memoranda: | ||
| Average total assets | $115,268,500 | 4,502 |
| Average earning assets | $110,986,000 | 4,354 |
| Average equity | $11,494,000 | 4,677 |
| Average total loans | $78,820,000 | 4,039 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 3,219 |
| Cost of funding earning assets | 0.6599% | 3,837 |
| Net interest margin | 3.8871% | 2,884 |
| Noninterest income to average assets | 0.3007% | 5,305 |
| Noninterest expense to average assets | 1.6531% | 6,759 |
| Loan and lease loss provision to assets | 0.0450% | 5,279 |
| Net operating income to assets | 2.2941% | 214 |
| Return on assets (ROA) | 2.2941% | 232 |
| Pretax return on assets | 2.3364% | 319 |
| Return on Equity (ROE) | 25.7780% | 108 |
| Retained earnings to average equity (ytd only) | 9.0850% | 798 |
| Net charge-offs to loans | 0.2757% | 3,280 |
| Credit loss provision to net charge-offs | 21.6450% | 5,265 |
| Earnings coverage of net charge-offs (x) | 11.4502% | 2,027 |
| Efficiency ratio | 40.9730% | 6,908 |
| Assets per employee ($millions) | 6.3860% | 1,054 |
| Cash dividends to net income (ytd only)* | 64.7567% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 3,301 |
| Loan loss allowance to noncurrent loans | 974.0741% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 6,281 |
| Noncurrent loans to loans | 0.1645% | 6,070 |
| Net loans and leases to total assets | 70.2413% | 1,795 |
| Net loans and leases to deposits | 78.6673% | 2,442 |
| Net loans and leases to core deposits | 81.3143% | 2,846 |
| Total domestic deposits to total assets | 89.2891% | 1,380 |
| Equity capital to assets | 10.5422% | 3,478 |
| Core capital (leverage) ratio | 10.9894% | 2,261 |
| Tier 1 risk-based capital ratio | 14.8813% | 3,785 |
| Total risk-based capital ratio | 16.1351% | 3,734 |
| Memoranda: | ||
| Average total assets | $111,067,400 | 4,571 |
| Average earning assets | $106,687,200 | 4,424 |
| Average equity | $9,884,400 | 5,002 |
| Average total loans | $83,773,600 | 3,919 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 2,979 |
| Cost of funding earning assets | 0.6985% | 3,779 |
| Net interest margin | 3.9590% | 2,673 |
| Noninterest income to average assets | 0.2822% | 5,521 |
| Noninterest expense to average assets | 1.6300% | 6,852 |
| Loan and lease loss provision to assets | 0.0606% | 4,960 |
| Net operating income to assets | 2.3506% | 224 |
| Return on assets (ROA) | 2.3506% | 241 |
| Pretax return on assets | 2.3942% | 348 |
| Return on Equity (ROE) | 27.7497% | 100 |
| Retained earnings to average equity (ytd only) | 4.1603% | 3,971 |
| Net charge-offs to loans | 0.3309% | 2,808 |
| Credit loss provision to net charge-offs | 23.9234% | 4,897 |
| Earnings coverage of net charge-offs (x) | 9.6986% | 2,285 |
| Efficiency ratio | 39.9051% | 7,014 |
| Assets per employee ($millions) | 6.1848% | 1,130 |
| Cash dividends to net income (ytd only)* | 85.0078% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 3,704 |
| Loan loss allowance to noncurrent loans | 764.0000% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 6,317 |
| Noncurrent loans to loans | 0.2037% | 6,100 |
| Net loans and leases to total assets | 75.9780% | 983 |
| Net loans and leases to deposits | 83.2241% | 1,970 |
| Net loans and leases to core deposits | 85.8285% | 2,486 |
| Total domestic deposits to total assets | 91.2932% | 334 |
| Equity capital to assets | 8.5433% | 6,227 |
| Core capital (leverage) ratio | 8.7474% | 5,405 |
| Tier 1 risk-based capital ratio | 11.1668% | 6,411 |
| Total risk-based capital ratio | 12.4207% | 6,379 |
| Memoranda: | ||
| Average total assets | $110,097,250 | 4,634 |
| Average earning assets | $105,748,500 | 4,492 |
| Average equity | $9,326,000 | 5,192 |
| Average total loans | $84,203,000 | 3,947 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 2,604 |
| Cost of funding earning assets | 0.7389% | 3,697 |
| Net interest margin | 4.0365% | 2,356 |
| Noninterest income to average assets | 0.3009% | 5,399 |
| Noninterest expense to average assets | 1.6465% | 6,885 |
| Loan and lease loss provision to assets | 0.0912% | 4,427 |
| Net operating income to assets | 2.3959% | 204 |
| Return on assets (ROA) | 2.3959% | 232 |
| Pretax return on assets | 2.4378% | 324 |
| Return on Equity (ROE) | 28.3669% | 95 |
| Retained earnings to average equity (ytd only) | 0.3022% | 5,944 |
| Net charge-offs to loans | 0.1531% | 3,692 |
| Credit loss provision to net charge-offs | 78.1250% | 3,370 |
| Earnings coverage of net charge-offs (x) | 21.6719% | 1,330 |
| Efficiency ratio | 39.4323% | 7,071 |
| Assets per employee ($millions) | 5.9526% | 1,270 |
| Cash dividends to net income (ytd only)* | 98.9346% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 2,940 |
| Loan loss allowance to noncurrent loans | 353.6993% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 5,805 |
| Noncurrent loans to loans | 0.5021% | 5,533 |
| Net loans and leases to total assets | 76.4940% | 908 |
| Net loans and leases to deposits | 83.8664% | 1,869 |
| Net loans and leases to core deposits | 86.6203% | 2,344 |
| Total domestic deposits to total assets | 91.2093% | 382 |
| Equity capital to assets | 8.6181% | 6,108 |
| Core capital (leverage) ratio | 8.3985% | 5,792 |
| Tier 1 risk-based capital ratio | 11.2231% | 6,386 |
| Total risk-based capital ratio | 12.4798% | 6,359 |
| Memoranda: | ||
| Average total assets | $109,687,330 | 4,676 |
| Average earning assets | $105,290,000 | 4,525 |
| Average equity | $9,264,330 | 5,209 |
| Average total loans | $83,630,330 | 3,994 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 2,678 |
| Cost of funding earning assets | 0.7846% | 3,587 |
| Net interest margin | 4.0058% | 2,478 |
| Noninterest income to average assets | 0.2560% | 5,813 |
| Noninterest expense to average assets | 1.6475% | 6,939 |
| Loan and lease loss provision to assets | 0.1802% | 3,171 |
| Net operating income to assets | 2.2315% | 274 |
| Return on assets (ROA) | 2.2315% | 327 |
| Pretax return on assets | 2.2747% | 471 |
| Return on Equity (ROE) | 26.6825% | 145 |
| Retained earnings to average equity (ytd only) | 5.1296% | 3,482 |
| Net charge-offs to loans | -0.0287% | 6,327 |
| Credit loss provision to net charge-offs | -833.3333% | 5,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1582% | 7,103 |
| Assets per employee ($millions) | 6.1898% | 1,159 |
| Cash dividends to net income (ytd only)* | 80.7754% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 2,824 |
| Loan loss allowance to noncurrent loans | 234.4411% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 5,406 |
| Noncurrent loans to loans | 0.7915% | 5,090 |
| Net loans and leases to total assets | 73.6710% | 1,116 |
| Net loans and leases to deposits | 80.5563% | 2,134 |
| Net loans and leases to core deposits | 83.9396% | 2,554 |
| Total domestic deposits to total assets | 91.4528% | 387 |
| Equity capital to assets | 8.3820% | 6,193 |
| Core capital (leverage) ratio | 8.3797% | 5,763 |
| Tier 1 risk-based capital ratio | 11.4611% | 6,304 |
| Total risk-based capital ratio | 12.7191% | 6,281 |
| Memoranda: | ||
| Average total assets | $110,957,500 | 4,687 |
| Average earning assets | $106,544,500 | 4,531 |
| Average equity | $9,279,500 | 5,221 |
| Average total loans | $83,724,000 | 4,018 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 2,951 |
| Cost of funding earning assets | 0.9526% | 3,706 |
| Net interest margin | 4.0309% | 2,728 |
| Noninterest income to average assets | 0.2924% | 5,441 |
| Noninterest expense to average assets | 1.7093% | 7,047 |
| Loan and lease loss provision to assets | 0.0451% | 6,014 |
| Net operating income to assets | 2.3555% | 171 |
| Return on assets (ROA) | 2.3555% | 179 |
| Pretax return on assets | 2.3988% | 252 |
| Return on Equity (ROE) | 27.7524% | 59 |
| Retained earnings to average equity (ytd only) | -1.4886% | 6,089 |
| Net charge-offs to loans | 0.1165% | 5,213 |
| Credit loss provision to net charge-offs | 51.0204% | 5,401 |
| Earnings coverage of net charge-offs (x) | 27.6327% | 900 |
| Efficiency ratio | 41.1560% | 7,190 |
| Assets per employee ($millions) | 6.4999% | 959 |
| Cash dividends to net income (ytd only)* | 105.3640% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7849% | 2,917 |
| Loan loss allowance to noncurrent loans | 371.2159% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 6,064 |
| Noncurrent loans to loans | 0.4808% | 5,747 |
| Net loans and leases to total assets | 74.4973% | 1,176 |
| Net loans and leases to deposits | 81.4739% | 2,276 |
| Net loans and leases to core deposits | 84.2662% | 2,858 |
| Total domestic deposits to total assets | 91.4369% | 348 |
| Equity capital to assets | 8.3440% | 6,310 |
| Core capital (leverage) ratio | 8.3359% | 5,800 |
| Tier 1 risk-based capital ratio | 11.3744% | 6,245 |
| Total risk-based capital ratio | 12.6315% | 6,226 |
| Memoranda: | ||
| Average total assets | $110,805,000 | 4,622 |
| Average earning assets | $106,129,400 | 4,502 |
| Average equity | $9,404,600 | 5,176 |
| Average total loans | $84,088,800 | 4,022 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 3,026 |
| Cost of funding earning assets | 0.9884% | 3,762 |
| Net interest margin | 4.0237% | 2,814 |
| Noninterest income to average assets | 0.2633% | 5,736 |
| Noninterest expense to average assets | 1.7171% | 7,080 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.3556% | 192 |
| Return on assets (ROA) | 2.3556% | 204 |
| Pretax return on assets | 2.3989% | 297 |
| Return on Equity (ROE) | 27.6373% | 85 |
| Retained earnings to average equity (ytd only) | -4.1054% | 6,522 |
| Net charge-offs to loans | 0.1869% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 16.9067% | 1,374 |
| Efficiency ratio | 41.7178% | 7,219 |
| Assets per employee ($millions) | 6.3234% | 1,027 |
| Cash dividends to net income (ytd only)* | 114.8549% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7449% | 3,126 |
| Loan loss allowance to noncurrent loans | 486.6894% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.6009% | 5,619 |
| Noncurrent loans to loans | 0.3585% | 6,133 |
| Net loans and leases to total assets | 74.6963% | 1,197 |
| Net loans and leases to deposits | 81.7605% | 2,402 |
| Net loans and leases to core deposits | 84.4148% | 3,001 |
| Total domestic deposits to total assets | 91.3598% | 330 |
| Equity capital to assets | 8.4364% | 6,361 |
| Core capital (leverage) ratio | 8.3109% | 5,959 |
| Tier 1 risk-based capital ratio | 11.3944% | 6,299 |
| Total risk-based capital ratio | 12.6508% | 6,295 |
| Memoranda: | ||
| Average total assets | $110,881,750 | 4,646 |
| Average earning assets | $106,167,000 | 4,523 |
| Average equity | $9,450,750 | 5,192 |
| Average total loans | $84,157,500 | 4,054 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 3,083 |
| Cost of funding earning assets | 1.0275% | 3,757 |
| Net interest margin | 3.9872% | 2,901 |
| Noninterest income to average assets | 0.2339% | 5,971 |
| Noninterest expense to average assets | 1.7302% | 7,153 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.2855% | 225 |
| Return on assets (ROA) | 2.2855% | 239 |
| Pretax return on assets | 2.3284% | 333 |
| Return on Equity (ROE) | 26.7279% | 105 |
| Retained earnings to average equity (ytd only) | 5.8467% | 2,519 |
| Net charge-offs to loans | 0.2872% | 3,440 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 10.6885% | 1,779 |
| Efficiency ratio | 42.6309% | 7,284 |
| Assets per employee ($millions) | 6.1812% | 1,077 |
| Cash dividends to net income (ytd only)* | 78.1250% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 3,166 |
| Loan loss allowance to noncurrent loans | 256.2162% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.4988% | 5,917 |
| Noncurrent loans to loans | 0.6815% | 5,544 |
| Net loans and leases to total assets | 71.9212% | 1,801 |
| Net loans and leases to deposits | 78.9115% | 2,977 |
| Net loans and leases to core deposits | 81.2297% | 3,619 |
| Total domestic deposits to total assets | 91.1416% | 448 |
| Equity capital to assets | 8.6642% | 5,983 |
| Core capital (leverage) ratio | 8.5819% | 5,429 |
| Tier 1 risk-based capital ratio | 12.5446% | 5,302 |
| Total risk-based capital ratio | 13.8016% | 5,274 |
| Memoranda: | ||
| Average total assets | $112,009,670 | 4,660 |
| Average earning assets | $107,442,670 | 4,525 |
| Average equity | $9,578,000 | 5,163 |
| Average total loans | $84,969,000 | 4,070 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0435% | 2,889 |
| Cost of funding earning assets | 1.0754% | 3,689 |
| Net interest margin | 3.9680% | 2,834 |
| Noninterest income to average assets | 0.2136% | 6,204 |
| Noninterest expense to average assets | 1.7583% | 7,180 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.2210% | 251 |
| Return on assets (ROA) | 2.2210% | 265 |
| Pretax return on assets | 2.2637% | 361 |
| Return on Equity (ROE) | 26.1443% | 140 |
| Retained earnings to average equity (ytd only) | 15.6698% | 338 |
| Net charge-offs to loans | 0.3874% | 2,525 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 7.5714% | 1,932 |
| Efficiency ratio | 43.7168% | 7,290 |
| Assets per employee ($millions) | 6.1832% | 1,081 |
| Cash dividends to net income (ytd only)* | 40.0641% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 3,301 |
| Loan loss allowance to noncurrent loans | 412.4294% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 6,353 |
| Noncurrent loans to loans | 0.4148% | 6,169 |
| Net loans and leases to total assets | 75.3607% | 1,128 |
| Net loans and leases to deposits | 82.7627% | 2,224 |
| Net loans and leases to core deposits | 85.6322% | 2,935 |
| Total domestic deposits to total assets | 91.0564% | 599 |
| Equity capital to assets | 8.7459% | 5,583 |
| Core capital (leverage) ratio | 8.5229% | 5,411 |
| Tier 1 risk-based capital ratio | 11.9585% | 5,732 |
| Total risk-based capital ratio | 13.2153% | 5,714 |
| Memoranda: | ||
| Average total assets | $112,383,500 | 4,677 |
| Average earning assets | $107,862,500 | 4,533 |
| Average equity | $9,547,000 | 5,159 |
| Average total loans | $86,732,000 | 4,057 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7631% | 1,370 |
| Cost of funding earning assets | 1.3341% | 3,663 |
| Net interest margin | 4.4290% | 1,403 |
| Noninterest income to average assets | 0.2427% | 6,061 |
| Noninterest expense to average assets | 1.7890% | 7,276 |
| Loan and lease loss provision to assets | 0.4015% | 3,706 |
| Net operating income to assets | 2.2230% | 184 |
| Return on assets (ROA) | 2.2230% | 194 |
| Pretax return on assets | 2.2663% | 269 |
| Return on Equity (ROE) | 27.2832% | 65 |
| Retained earnings to average equity (ytd only) | 10.6741% | 418 |
| Net charge-offs to loans | 0.0249% | 6,563 |
| Credit loss provision to net charge-offs | 1,934.7826% | 122 |
| Earnings coverage of net charge-offs (x) | 128.5652% | 197 |
| Efficiency ratio | 40.1417% | 7,505 |
| Assets per employee ($millions) | 5.9721% | 1,231 |
| Cash dividends to net income (ytd only)* | 60.8766% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 3,020 |
| Loan loss allowance to noncurrent loans | 561.4545% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 6,526 |
| Noncurrent loans to loans | 0.3120% | 6,432 |
| Net loans and leases to total assets | 76.3072% | 1,221 |
| Net loans and leases to deposits | 83.3959% | 2,554 |
| Net loans and leases to core deposits | 86.4036% | 3,265 |
| Total domestic deposits to total assets | 91.4999% | 400 |
| Equity capital to assets | 8.2489% | 6,205 |
| Core capital (leverage) ratio | 8.0219% | 6,170 |
| Tier 1 risk-based capital ratio | 11.0784% | 6,267 |
| Total risk-based capital ratio | 12.3353% | 6,236 |
| Memoranda: | ||
| Average total assets | $110,843,000 | 4,691 |
| Average earning assets | $105,464,200 | 4,582 |
| Average equity | $9,031,200 | 5,414 |
| Average total loans | $92,317,600 | 3,999 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8388% | 1,286 |
| Cost of funding earning assets | 1.3673% | 3,793 |
| Net interest margin | 4.4715% | 1,323 |
| Noninterest income to average assets | 0.2650% | 5,996 |
| Noninterest expense to average assets | 1.8175% | 7,310 |
| Loan and lease loss provision to assets | 0.4054% | 3,473 |
| Net operating income to assets | 2.2446% | 218 |
| Return on assets (ROA) | 2.2446% | 234 |
| Pretax return on assets | 2.2882% | 350 |
| Return on Equity (ROE) | 27.6374% | 71 |
| Retained earnings to average equity (ytd only) | 12.7385% | 374 |
| Net charge-offs to loans | 0.0286% | 6,277 |
| Credit loss provision to net charge-offs | 1,675.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 111.2835% | 284 |
| Efficiency ratio | 40.2897% | 7,576 |
| Assets per employee ($millions) | 6.1974% | 1,116 |
| Cash dividends to net income (ytd only)* | 53.9084% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 3,860 |
| Loan loss allowance to noncurrent loans | 785.2459% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 6,803 |
| Noncurrent loans to loans | 0.1937% | 6,795 |
| Net loans and leases to total assets | 79.0167% | 879 |
| Net loans and leases to deposits | 86.0163% | 2,337 |
| Net loans and leases to core deposits | 89.5402% | 3,160 |
| Total domestic deposits to total assets | 91.8625% | 214 |
| Equity capital to assets | 7.8564% | 6,896 |
| Core capital (leverage) ratio | 8.2430% | 5,971 |
| Tier 1 risk-based capital ratio | 10.1551% | 6,981 |
| Total risk-based capital ratio | 11.4087% | 6,958 |
| Memoranda: | ||
| Average total assets | $110,186,500 | 4,762 |
| Average earning assets | $104,630,500 | 4,650 |
| Average equity | $8,949,000 | 5,508 |
| Average total loans | $93,364,750 | 4,041 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9648% | 1,029 |
| Cost of funding earning assets | 1.4047% | 3,849 |
| Net interest margin | 4.5600% | 1,084 |
| Noninterest income to average assets | 0.3102% | 5,684 |
| Noninterest expense to average assets | 1.8446% | 7,339 |
| Loan and lease loss provision to assets | 0.4365% | 3,128 |
| Net operating income to assets | 2.2979% | 195 |
| Return on assets (ROA) | 2.2979% | 213 |
| Pretax return on assets | 2.3406% | 309 |
| Return on Equity (ROE) | 27.9601% | 73 |
| Retained earnings to average equity (ytd only) | 16.6585% | 170 |
| Net charge-offs to loans | 0.0086% | 6,238 |
| Credit loss provision to net charge-offs | 5,875.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 373.7500% | 89 |
| Efficiency ratio | 39.9116% | 7,647 |
| Assets per employee ($millions) | 5.8042% | 1,369 |
| Cash dividends to net income (ytd only)* | 40.4204% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 4,261 |
| Loan loss allowance to noncurrent loans | 425.4717% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 6,588 |
| Noncurrent loans to loans | 0.3374% | 6,555 |
| Net loans and leases to total assets | 84.2392% | 335 |
| Net loans and leases to deposits | 92.1288% | 1,511 |
| Net loans and leases to core deposits | 95.9245% | 2,445 |
| Total domestic deposits to total assets | 91.4363% | 352 |
| Equity capital to assets | 8.2816% | 6,448 |
| Core capital (leverage) ratio | 8.5704% | 5,294 |
| Tier 1 risk-based capital ratio | 10.1635% | 6,932 |
| Total risk-based capital ratio | 11.4165% | 6,903 |
| Memoranda: | ||
| Average total assets | $107,665,000 | 4,869 |
| Average earning assets | $101,797,670 | 4,751 |
| Average equity | $8,848,330 | 5,548 |
| Average total loans | $92,993,000 | 4,081 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9328% | 1,122 |
| Cost of funding earning assets | 1.4653% | 3,773 |
| Net interest margin | 4.4675% | 1,213 |
| Noninterest income to average assets | 0.2821% | 5,886 |
| Noninterest expense to average assets | 1.8579% | 7,401 |
| Loan and lease loss provision to assets | 0.2821% | 3,776 |
| Net operating income to assets | 2.3318% | 197 |
| Return on assets (ROA) | 2.3318% | 222 |
| Pretax return on assets | 2.3731% | 311 |
| Return on Equity (ROE) | 28.4861% | 107 |
| Retained earnings to average equity (ytd only) | 28.4861% | 78 |
| Net charge-offs to loans | 0.0043% | 5,562 |
| Credit loss provision to net charge-offs | 7,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 706.0000% | 32 |
| Efficiency ratio | 41.1667% | 7,700 |
| Assets per employee ($millions) | 5.4975% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 5,159 |
| Loan loss allowance to noncurrent loans | 404.0541% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.6395% | 5,920 |
| Noncurrent loans to loans | 0.3116% | 6,695 |
| Net loans and leases to total assets | 89.7973% | 72 |
| Net loans and leases to deposits | 98.6039% | 854 |
| Net loans and leases to core deposits | 102.1354% | 1,883 |
| Total domestic deposits to total assets | 91.0687% | 514 |
| Equity capital to assets | 8.6316% | 5,830 |
| Core capital (leverage) ratio | 8.3458% | 5,650 |
| Tier 1 risk-based capital ratio | 9.8690% | 7,113 |
| Total risk-based capital ratio | 11.1201% | 7,109 |
| Memoranda: | ||
| Average total assets | $106,357,500 | 4,971 |
| Average earning assets | $100,728,000 | 4,855 |
| Average equity | $8,706,000 | 5,626 |
| Average total loans | $92,363,500 | 4,156 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2054% | 1,227 |
| Cost of funding earning assets | 2.0387% | 2,778 |
| Net interest margin | 4.1667% | 2,197 |
| Noninterest income to average assets | 0.3030% | 5,931 |
| Noninterest expense to average assets | 1.8722% | 7,540 |
| Loan and lease loss provision to assets | 0.8807% | 2,546 |
| Net operating income to assets | 1.4896% | 690 |
| Return on assets (ROA) | 1.4896% | 743 |
| Pretax return on assets | 1.5313% | 1,114 |
| Return on Equity (ROE) | 18.6348% | 326 |
| Retained earnings to average equity (ytd only) | 1.4571% | 4,048 |
| Net charge-offs to loans | 0.9689% | 2,469 |
| Credit loss provision to net charge-offs | 101.7505% | 5,425 |
| Earnings coverage of net charge-offs (x) | 2.7867% | 3,698 |
| Efficiency ratio | 43.7003% | 7,788 |
| Assets per employee ($millions) | 5.6980% | 1,470 |
| Cash dividends to net income (ytd only)* | 92.1805% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 5,047 |
| Loan loss allowance to noncurrent loans | 359.6154% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 6,606 |
| Noncurrent loans to loans | 0.3477% | 6,582 |
| Net loans and leases to total assets | 81.8505% | 707 |
| Net loans and leases to deposits | 89.0852% | 2,375 |
| Net loans and leases to core deposits | 126.1718% | 1,500 |
| Total domestic deposits to total assets | 91.8790% | 282 |
| Equity capital to assets | 7.7553% | 6,814 |
| Core capital (leverage) ratio | 7.7892% | 6,466 |
| Tier 1 risk-based capital ratio | 9.7808% | 7,037 |
| Total risk-based capital ratio | 11.0319% | 7,022 |
| Memoranda: | ||
| Average total assets | $105,598,800 | 4,940 |
| Average earning assets | $100,895,200 | 4,819 |
| Average equity | $8,441,200 | 5,782 |
| Average total loans | $94,336,600 | 4,097 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2975% | 1,143 |
| Cost of funding earning assets | 2.1568% | 2,617 |
| Net interest margin | 4.1408% | 2,246 |
| Noninterest income to average assets | 0.3138% | 5,969 |
| Noninterest expense to average assets | 1.9161% | 7,519 |
| Loan and lease loss provision to assets | 1.1817% | 1,643 |
| Net operating income to assets | 1.1359% | 1,618 |
| Return on assets (ROA) | 1.1359% | 1,691 |
| Pretax return on assets | 1.1753% | 2,339 |
| Return on Equity (ROE) | 14.1020% | 910 |
| Retained earnings to average equity (ytd only) | 3.0602% | 3,613 |
| Net charge-offs to loans | 1.1045% | 1,810 |
| Credit loss provision to net charge-offs | 117.5727% | 4,326 |
| Earnings coverage of net charge-offs (x) | 2.3451% | 4,064 |
| Efficiency ratio | 44.8409% | 7,807 |
| Assets per employee ($millions) | 5.5459% | 1,571 |
| Cash dividends to net income (ytd only)* | 78.2998% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,294 |
| Loan loss allowance to noncurrent loans | 280.4054% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 6,397 |
| Noncurrent loans to loans | 0.4757% | 6,366 |
| Net loans and leases to total assets | 87.3953% | 241 |
| Net loans and leases to deposits | 95.5162% | 1,645 |
| Net loans and leases to core deposits | 134.3218% | 1,188 |
| Total domestic deposits to total assets | 91.4978% | 256 |
| Equity capital to assets | 8.0353% | 6,819 |
| Core capital (leverage) ratio | 7.8641% | 6,552 |
| Tier 1 risk-based capital ratio | 9.5374% | 7,344 |
| Total risk-based capital ratio | 10.7888% | 7,307 |
| Memoranda: | ||
| Average total assets | $104,933,000 | 4,991 |
| Average earning assets | $100,333,250 | 4,853 |
| Average equity | $8,452,500 | 5,835 |
| Average total loans | $95,487,000 | 4,103 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2938% | 1,222 |
| Cost of funding earning assets | 2.2237% | 2,690 |
| Net interest margin | 4.0701% | 2,434 |
| Noninterest income to average assets | 0.3054% | 6,076 |
| Noninterest expense to average assets | 1.9411% | 7,569 |
| Loan and lease loss provision to assets | 0.2481% | 4,594 |
| Net operating income to assets | 1.9678% | 318 |
| Return on assets (ROA) | 1.9678% | 350 |
| Pretax return on assets | 2.0079% | 554 |
| Return on Equity (ROE) | 24.4091% | 145 |
| Retained earnings to average equity (ytd only) | 7.8365% | 1,265 |
| Net charge-offs to loans | 0.2204% | 4,125 |
| Credit loss provision to net charge-offs | 122.6415% | 3,792 |
| Earnings coverage of net charge-offs (x) | 11.1509% | 1,931 |
| Efficiency ratio | 46.2483% | 7,840 |
| Assets per employee ($millions) | 5.6162% | 1,486 |
| Cash dividends to net income (ytd only)* | 67.8952% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 5,188 |
| Loan loss allowance to noncurrent loans | 108.4453% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9765% | 5,021 |
| Noncurrent loans to loans | 1.0699% | 5,072 |
| Net loans and leases to total assets | 90.2125% | 121 |
| Net loans and leases to deposits | 98.6979% | 1,434 |
| Net loans and leases to core deposits | 140.3005% | 998 |
| Total domestic deposits to total assets | 91.4026% | 340 |
| Equity capital to assets | 8.0632% | 6,675 |
| Core capital (leverage) ratio | 8.0393% | 6,255 |
| Tier 1 risk-based capital ratio | 9.0782% | 7,651 |
| Total risk-based capital ratio | 10.2705% | 7,701 |
| Memoranda: | ||
| Average total assets | $104,786,330 | 5,022 |
| Average earning assets | $100,193,330 | 4,885 |
| Average equity | $8,447,670 | 5,866 |
| Average total loans | $96,204,000 | 4,110 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2566% | 1,424 |
| Cost of funding earning assets | 2.2791% | 2,796 |
| Net interest margin | 3.9774% | 2,742 |
| Noninterest income to average assets | 0.2889% | 6,126 |
| Noninterest expense to average assets | 1.9379% | 7,472 |
| Loan and lease loss provision to assets | 0.2119% | 4,327 |
| Net operating income to assets | 1.8993% | 433 |
| Return on assets (ROA) | 1.8993% | 482 |
| Pretax return on assets | 1.9379% | 746 |
| Return on Equity (ROE) | 23.5617% | 235 |
| Retained earnings to average equity (ytd only) | 9.2240% | 1,416 |
| Net charge-offs to loans | 0.0126% | 5,433 |
| Credit loss provision to net charge-offs | 1,833.3333% | 348 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 229 |
| Efficiency ratio | 47.4081% | 7,763 |
| Assets per employee ($millions) | 5.8748% | 1,269 |
| Cash dividends to net income (ytd only)* | 60.8519% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 4,908 |
| Loan loss allowance to noncurrent loans | 101.1354% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.0828% | 4,520 |
| Noncurrent loans to loans | 1.1703% | 4,644 |
| Net loans and leases to total assets | 91.4220% | 80 |
| Net loans and leases to deposits | 99.9070% | 1,421 |
| Net loans and leases to core deposits | 138.6473% | 1,166 |
| Total domestic deposits to total assets | 91.5071% | 275 |
| Equity capital to assets | 8.0059% | 6,801 |
| Core capital (leverage) ratio | 7.9992% | 6,445 |
| Tier 1 risk-based capital ratio | 8.8594% | 7,859 |
| Total risk-based capital ratio | 10.0713% | 7,921 |
| Memoranda: | ||
| Average total assets | $103,826,000 | 5,073 |
| Average earning assets | $99,160,000 | 4,938 |
| Average equity | $8,369,500 | 5,930 |
| Average total loans | $95,609,500 | 4,163 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9025% | 1,387 |
| Cost of funding earning assets | 2.8320% | 2,575 |
| Net interest margin | 4.0705% | 2,829 |
| Noninterest income to average assets | 0.3079% | 6,246 |
| Noninterest expense to average assets | 1.9312% | 7,564 |
| Loan and lease loss provision to assets | 0.1776% | 5,120 |
| Net operating income to assets | 2.0141% | 346 |
| Return on assets (ROA) | 2.0141% | 327 |
| Pretax return on assets | 2.0556% | 530 |
| Return on Equity (ROE) | 24.6712% | 148 |
| Retained earnings to average equity (ytd only) | 0.4956% | 4,942 |
| Net charge-offs to loans | 0.1107% | 5,166 |
| Credit loss provision to net charge-offs | 183.6735% | 2,710 |
| Earnings coverage of net charge-offs (x) | 23.0918% | 1,433 |
| Efficiency ratio | 46.3744% | 7,907 |
| Assets per employee ($millions) | 5.6614% | 1,346 |
| Cash dividends to net income (ytd only)* | 97.9912% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 4,667 |
| Loan loss allowance to noncurrent loans | 177.2436% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 5,365 |
| Noncurrent loans to loans | 0.6682% | 5,363 |
| Net loans and leases to total assets | 90.5539% | 160 |
| Net loans and leases to deposits | 107.7145% | 994 |
| Net loans and leases to core deposits | 141.5279% | 1,184 |
| Total domestic deposits to total assets | 84.0685% | 3,293 |
| Equity capital to assets | 8.1183% | 6,670 |
| Core capital (leverage) ratio | 8.0232% | 6,452 |
| Tier 1 risk-based capital ratio | 9.0609% | 7,746 |
| Total risk-based capital ratio | 10.2723% | 7,753 |
| Memoranda: | ||
| Average total assets | $101,334,400 | 5,008 |
| Average earning assets | $96,009,000 | 4,922 |
| Average equity | $8,272,800 | 5,985 |
| Average total loans | $88,497,400 | 4,273 |