Home > Bank of Dawson > Performance and Condition Ratios
Bank of Dawson, 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 | 5.9365% | 688 |
| Cost of funding earning assets | 1.5290% | 1,868 |
| Net interest margin | 4.4076% | 701 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.6718% | 1,815 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.6999% | 735 |
| Return on assets (ROA) | 1.5636% | 882 |
| Pretax return on assets | 1.6332% | 1,176 |
| Return on Equity (ROE) | 11.2500% | 2,158 |
| Retained earnings to average equity (ytd only) | 5.6797% | 2,361 |
| Net charge-offs to loans | 0.2677% | 402 |
| Credit loss provision to net charge-offs | 123.3184% | 1,649 |
| Earnings coverage of net charge-offs (x) | 12.6682% | 2,137 |
| Efficiency ratio | 57.6017% | 3,335 |
| Assets per employee ($millions) | 6.7874% | 2,220 |
| Cash dividends to net income (ytd only)* | 49.5102% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 1,129 |
| Loan loss allowance to noncurrent loans | 50.8068% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.7680% | 186 |
| Noncurrent loans to loans | 2.9009% | 152 |
| Net loans and leases to total assets | 57.8000% | 3,056 |
| Net loans and leases to deposits | 68.1424% | 3,020 |
| Net loans and leases to core deposits | 82.0246% | 2,582 |
| Total domestic deposits to total assets | 84.8200% | 2,364 |
| Equity capital to assets | 14.1178% | 660 |
| Core capital (leverage) ratio | 18.2087% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5252% | 321 |
| Memoranda: | ||
| Average total assets | $143,647,200 | 3,427 |
| Average earning assets | $134,337,600 | 3,400 |
| Average equity | $19,965,800 | 2,858 |
| Average total loans | $83,302,800 | 3,367 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8957% | 605 |
| Cost of funding earning assets | 1.3758% | 1,933 |
| Net interest margin | 4.5199% | 596 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.4673% | 2,326 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 2.0191% | 489 |
| Return on assets (ROA) | 1.8336% | 615 |
| Pretax return on assets | 1.8936% | 866 |
| Return on Equity (ROE) | 13.2500% | 1,853 |
| Retained earnings to average equity (ytd only) | 12.4207% | 897 |
| Net charge-offs to loans | 0.1848% | 473 |
| Credit loss provision to net charge-offs | 197.3684% | 1,137 |
| Earnings coverage of net charge-offs (x) | 21.4825% | 1,778 |
| Efficiency ratio | 51.8008% | 3,771 |
| Assets per employee ($millions) | 6.7339% | 2,152 |
| Cash dividends to net income (ytd only)* | 6.2372% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 1,217 |
| Loan loss allowance to noncurrent loans | 89.5820% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.1060% | 434 |
| Noncurrent loans to loans | 1.6331% | 419 |
| Net loans and leases to total assets | 64.3000% | 2,410 |
| Net loans and leases to deposits | 75.6242% | 2,446 |
| Net loans and leases to core deposits | 90.0358% | 1,926 |
| Total domestic deposits to total assets | 85.0300% | 2,490 |
| Equity capital to assets | 13.9544% | 661 |
| Core capital (leverage) ratio | 18.5603% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3291% | 308 |
| Memoranda: | ||
| Average total assets | $142,228,500 | 3,445 |
| Average earning assets | $133,156,750 | 3,420 |
| Average equity | $19,687,000 | 2,872 |
| Average total loans | $82,230,000 | 3,388 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 685 |
| Cost of funding earning assets | 1.2192% | 1,929 |
| Net interest margin | 4.4330% | 674 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.5600% | 2,035 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.8737% | 586 |
| Return on assets (ROA) | 1.7389% | 729 |
| Pretax return on assets | 1.7684% | 1,078 |
| Return on Equity (ROE) | 12.6000% | 1,986 |
| Retained earnings to average equity (ytd only) | 11.3564% | 1,109 |
| Net charge-offs to loans | 0.0583% | 956 |
| Credit loss provision to net charge-offs | 652.1739% | 548 |
| Earnings coverage of net charge-offs (x) | 65.5652% | 1,144 |
| Efficiency ratio | 54.7419% | 3,552 |
| Assets per employee ($millions) | 6.2761% | 2,488 |
| Cash dividends to net income (ytd only)* | 9.8467% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 1,007 |
| Loan loss allowance to noncurrent loans | 104.6743% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9830% | 480 |
| Noncurrent loans to loans | 1.4936% | 447 |
| Net loans and leases to total assets | 59.5800% | 2,813 |
| Net loans and leases to deposits | 70.0399% | 2,786 |
| Net loans and leases to core deposits | 82.9442% | 2,272 |
| Total domestic deposits to total assets | 85.0700% | 2,527 |
| Equity capital to assets | 14.1399% | 630 |
| Core capital (leverage) ratio | 18.0785% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1701% | 310 |
| Memoranda: | ||
| Average total assets | $142,501,000 | 3,455 |
| Average earning assets | $133,860,000 | 3,425 |
| Average equity | $19,671,667 | 2,892 |
| Average total loans | $78,880,333 | 3,431 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 1,090 |
| Cost of funding earning assets | 1.0300% | 1,946 |
| Net interest margin | 4.0690% | 1,145 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.4372% | 2,412 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.5425% | 1,092 |
| Return on assets (ROA) | 1.4108% | 1,351 |
| Pretax return on assets | 1.4476% | 1,775 |
| Return on Equity (ROE) | 10.3400% | 2,685 |
| Retained earnings to average equity (ytd only) | 10.3409% | 1,618 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.5818% | 3,236 |
| Assets per employee ($millions) | 6.2084% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9188% | 509 |
| Loan loss allowance to noncurrent loans | 83.7389% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.3292% | 268 |
| Noncurrent loans to loans | 2.2915% | 218 |
| Net loans and leases to total assets | 54.2000% | 3,187 |
| Net loans and leases to deposits | 63.3647% | 3,139 |
| Net loans and leases to core deposits | 73.8090% | 2,688 |
| Total domestic deposits to total assets | 85.5300% | 2,713 |
| Equity capital to assets | 13.9559% | 603 |
| Core capital (leverage) ratio | 17.8735% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6973% | 592 |
| Memoranda: | ||
| Average total assets | $141,476,500 | 3,507 |
| Average earning assets | $132,810,500 | 3,485 |
| Average equity | $19,302,000 | 2,956 |
| Average total loans | $74,633,000 | 3,531 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 1,577 |
| Cost of funding earning assets | 0.4352% | 1,821 |
| Net interest margin | 3.6182% | 1,595 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.6387% | 1,705 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.1070% | 2,144 |
| Return on assets (ROA) | 1.1142% | 2,047 |
| Pretax return on assets | 1.1619% | 2,559 |
| Return on Equity (ROE) | 7.8600% | 3,419 |
| Retained earnings to average equity (ytd only) | 2.5137% | 3,851 |
| Net charge-offs to loans | 0.0710% | 933 |
| Credit loss provision to net charge-offs | 509.2593% | 671 |
| Earnings coverage of net charge-offs (x) | 36.4630% | 1,563 |
| Efficiency ratio | 66.2900% | 2,195 |
| Assets per employee ($millions) | 6.0939% | 2,688 |
| Cash dividends to net income (ytd only)* | 68.0122% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0451% | 399 |
| Loan loss allowance to noncurrent loans | 96.5772% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 351 |
| Noncurrent loans to loans | 2.1176% | 252 |
| Net loans and leases to total assets | 49.1800% | 3,569 |
| Net loans and leases to deposits | 57.0099% | 3,515 |
| Net loans and leases to core deposits | 64.8791% | 3,210 |
| Total domestic deposits to total assets | 86.2600% | 2,654 |
| Equity capital to assets | 13.3248% | 655 |
| Core capital (leverage) ratio | 17.7210% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2639% | 462 |
| Memoranda: | ||
| Average total assets | $146,739,000 | 3,472 |
| Average earning assets | $138,798,000 | 3,433 |
| Average equity | $20,805,800 | 2,877 |
| Average total loans | $76,081,400 | 3,472 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9082% | 1,467 |
| Cost of funding earning assets | 0.3970% | 1,312 |
| Net interest margin | 3.5112% | 1,636 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.1619% | 3,035 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.5304% | 779 |
| Return on assets (ROA) | 1.5401% | 742 |
| Pretax return on assets | 1.5787% | 1,178 |
| Return on Equity (ROE) | 10.7100% | 2,503 |
| Retained earnings to average equity (ytd only) | 9.9475% | 1,353 |
| Net charge-offs to loans | 0.1273% | 503 |
| Credit loss provision to net charge-offs | 304.0541% | 805 |
| Earnings coverage of net charge-offs (x) | 26.6351% | 1,581 |
| Efficiency ratio | 54.9692% | 3,727 |
| Assets per employee ($millions) | 6.1970% | 2,579 |
| Cash dividends to net income (ytd only)* | 7.1179% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 752 |
| Loan loss allowance to noncurrent loans | 120.3166% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 571 |
| Noncurrent loans to loans | 1.4839% | 479 |
| Net loans and leases to total assets | 52.8000% | 3,204 |
| Net loans and leases to deposits | 60.9086% | 3,119 |
| Net loans and leases to core deposits | 66.5655% | 2,910 |
| Total domestic deposits to total assets | 86.6900% | 2,856 |
| Equity capital to assets | 13.1137% | 663 |
| Core capital (leverage) ratio | 17.6927% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7126% | 510 |
| Memoranda: | ||
| Average total assets | $148,383,750 | 3,484 |
| Average earning assets | $140,725,750 | 3,438 |
| Average equity | $21,338,250 | 2,863 |
| Average total loans | $77,510,750 | 3,463 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6814% | 1,588 |
| Cost of funding earning assets | 0.3957% | 941 |
| Net interest margin | 3.2856% | 1,946 |
| Noninterest income to average assets | 0.6785% | 1,435 |
| Noninterest expense to average assets | 2.1086% | 3,125 |
| Loan and lease loss provision to assets | 0.1996% | 414 |
| Net operating income to assets | 1.4862% | 738 |
| Return on assets (ROA) | 1.5006% | 684 |
| Pretax return on assets | 1.5219% | 1,121 |
| Return on Equity (ROE) | 10.1527% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.0546% | 1,275 |
| Net charge-offs to loans | 0.0463% | 933 |
| Credit loss provision to net charge-offs | 833.3333% | 463 |
| Earnings coverage of net charge-offs (x) | 71.2778% | 993 |
| Efficiency ratio | 55.2650% | 3,848 |
| Assets per employee ($millions) | 6.5137% | 2,303 |
| Cash dividends to net income (ytd only)* | 10.8156% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6772% | 997 |
| Loan loss allowance to noncurrent loans | 135.9517% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 829 |
| Noncurrent loans to loans | 1.2337% | 644 |
| Net loans and leases to total assets | 52.8241% | 3,078 |
| Net loans and leases to deposits | 61.2972% | 2,947 |
| Net loans and leases to core deposits | 66.7175% | 2,763 |
| Total domestic deposits to total assets | 86.1770% | 3,204 |
| Equity capital to assets | 13.6561% | 566 |
| Core capital (leverage) ratio | 16.6335% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4206% | 591 |
| Memoranda: | ||
| Average total assets | $150,335,000 | 3,496 |
| Average earning assets | $143,534,000 | 3,463 |
| Average equity | $22,220,667 | 2,873 |
| Average total loans | $77,806,667 | 3,489 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4321% | 1,997 |
| Cost of funding earning assets | 0.3952% | 898 |
| Net interest margin | 3.0369% | 2,375 |
| Noninterest income to average assets | 0.9270% | 799 |
| Noninterest expense to average assets | 2.1833% | 2,888 |
| Loan and lease loss provision to assets | 0.1992% | 364 |
| Net operating income to assets | 1.4635% | 686 |
| Return on assets (ROA) | 1.4928% | 638 |
| Pretax return on assets | 1.4928% | 1,035 |
| Return on Equity (ROE) | 9.7310% | 2,075 |
| Retained earnings to average equity (ytd only) | 9.7310% | 1,088 |
| Net charge-offs to loans | 0.0209% | 1,123 |
| Credit loss provision to net charge-offs | 1,875.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 156.5000% | 519 |
| Efficiency ratio | 56.7680% | 3,812 |
| Assets per employee ($millions) | 6.2981% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 1,184 |
| Loan loss allowance to noncurrent loans | 103.7842% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8323% | 655 |
| Noncurrent loans to loans | 1.5764% | 508 |
| Net loans and leases to total assets | 51.2696% | 3,041 |
| Net loans and leases to deposits | 60.1108% | 2,899 |
| Net loans and leases to core deposits | 65.1501% | 2,703 |
| Total domestic deposits to total assets | 85.2918% | 3,472 |
| Equity capital to assets | 14.5210% | 445 |
| Core capital (leverage) ratio | 16.2385% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5611% | 252 |
| Memoranda: | ||
| Average total assets | $150,594,500 | 3,512 |
| Average earning assets | $144,751,500 | 3,466 |
| Average equity | $23,101,500 | 2,899 |
| Average total loans | $76,465,500 | 3,518 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1704% | 1,048 |
| Cost of funding earning assets | 0.4867% | 983 |
| Net interest margin | 3.6837% | 1,253 |
| Noninterest income to average assets | 0.3975% | 3,062 |
| Noninterest expense to average assets | 2.4678% | 2,288 |
| Loan and lease loss provision to assets | 0.1898% | 584 |
| Net operating income to assets | 1.2656% | 1,701 |
| Return on assets (ROA) | 1.2905% | 1,677 |
| Pretax return on assets | 1.2905% | 2,386 |
| Return on Equity (ROE) | 7.6619% | 3,329 |
| Retained earnings to average equity (ytd only) | 3.1057% | 3,587 |
| Net charge-offs to loans | 0.1143% | 783 |
| Credit loss provision to net charge-offs | 295.6989% | 1,072 |
| Earnings coverage of net charge-offs (x) | 22.6774% | 1,793 |
| Efficiency ratio | 62.9024% | 2,728 |
| Assets per employee ($millions) | 5.7706% | 2,990 |
| Cash dividends to net income (ytd only)* | 59.4652% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 1,170 |
| Loan loss allowance to noncurrent loans | 159.0078% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 1,215 |
| Noncurrent loans to loans | 1.0331% | 952 |
| Net loans and leases to total assets | 48.6073% | 3,445 |
| Net loans and leases to deposits | 58.1211% | 3,245 |
| Net loans and leases to core deposits | 63.2792% | 3,044 |
| Total domestic deposits to total assets | 83.6312% | 3,650 |
| Equity capital to assets | 16.1656% | 364 |
| Core capital (leverage) ratio | 16.5278% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7282% | 265 |
| Memoranda: | ||
| Average total assets | $144,907,600 | 3,533 |
| Average earning assets | $138,691,200 | 3,490 |
| Average equity | $24,406,600 | 2,887 |
| Average total loans | $81,387,600 | 3,450 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 1,176 |
| Cost of funding earning assets | 0.5067% | 1,017 |
| Net interest margin | 3.6505% | 1,463 |
| Noninterest income to average assets | 0.4159% | 3,003 |
| Noninterest expense to average assets | 2.2660% | 2,845 |
| Loan and lease loss provision to assets | 0.2089% | 477 |
| Net operating income to assets | 1.4324% | 1,440 |
| Return on assets (ROA) | 1.4556% | 1,437 |
| Pretax return on assets | 1.4556% | 2,131 |
| Return on Equity (ROE) | 8.5524% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.8870% | 2,092 |
| Net charge-offs to loans | 0.0304% | 1,444 |
| Credit loss provision to net charge-offs | 1,184.2105% | 471 |
| Earnings coverage of net charge-offs (x) | 93.0526% | 906 |
| Efficiency ratio | 57.9948% | 3,261 |
| Assets per employee ($millions) | 5.7282% | 2,962 |
| Cash dividends to net income (ytd only)* | 7.7806% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 1,772 |
| Loan loss allowance to noncurrent loans | 143.0219% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 1,110 |
| Noncurrent loans to loans | 1.0224% | 1,120 |
| Net loans and leases to total assets | 58.3502% | 2,443 |
| Net loans and leases to deposits | 71.1006% | 2,135 |
| Net loans and leases to core deposits | 77.0069% | 1,962 |
| Total domestic deposits to total assets | 82.0671% | 3,919 |
| Equity capital to assets | 17.5279% | 297 |
| Core capital (leverage) ratio | 17.2709% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2017% | 296 |
| Memoranda: | ||
| Average total assets | $143,625,750 | 3,584 |
| Average earning assets | $137,367,000 | 3,539 |
| Average equity | $24,444,750 | 2,915 |
| Average total loans | $83,198,000 | 3,472 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 1,777 |
| Cost of funding earning assets | 0.5278% | 1,046 |
| Net interest margin | 3.3855% | 2,185 |
| Noninterest income to average assets | 0.4048% | 3,091 |
| Noninterest expense to average assets | 2.2551% | 2,900 |
| Loan and lease loss provision to assets | 0.2087% | 528 |
| Net operating income to assets | 1.1894% | 2,229 |
| Return on assets (ROA) | 1.1922% | 2,287 |
| Pretax return on assets | 1.1922% | 2,934 |
| Return on Equity (ROE) | 7.0750% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.0679% | 2,774 |
| Net charge-offs to loans | 0.0484% | 1,141 |
| Credit loss provision to net charge-offs | 750.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 50.2500% | 1,066 |
| Efficiency ratio | 61.7289% | 2,768 |
| Assets per employee ($millions) | 6.1365% | 2,486 |
| Cash dividends to net income (ytd only)* | 14.2357% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 2,357 |
| Loan loss allowance to noncurrent loans | 143.7731% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 1,387 |
| Noncurrent loans to loans | 0.9158% | 1,350 |
| Net loans and leases to total assets | 59.3389% | 2,502 |
| Net loans and leases to deposits | 71.6516% | 2,244 |
| Net loans and leases to core deposits | 77.3613% | 2,107 |
| Total domestic deposits to total assets | 82.8159% | 3,747 |
| Equity capital to assets | 16.6809% | 349 |
| Core capital (leverage) ratio | 16.5971% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4184% | 324 |
| Memoranda: | ||
| Average total assets | $143,765,667 | 3,591 |
| Average earning assets | $137,941,667 | 3,541 |
| Average equity | $24,226,000 | 2,921 |
| Average total loans | $82,663,667 | 3,503 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6431% | 2,515 |
| Cost of funding earning assets | 0.5514% | 1,094 |
| Net interest margin | 3.0916% | 3,018 |
| Noninterest income to average assets | 0.3915% | 3,133 |
| Noninterest expense to average assets | 2.3519% | 2,645 |
| Loan and lease loss provision to assets | 0.2113% | 564 |
| Net operating income to assets | 0.7971% | 3,432 |
| Return on assets (ROA) | 0.7971% | 3,502 |
| Pretax return on assets | 0.7971% | 3,818 |
| Return on Equity (ROE) | 4.7058% | 4,152 |
| Retained earnings to average equity (ytd only) | 4.7058% | 3,315 |
| Net charge-offs to loans | 0.0903% | 742 |
| Credit loss provision to net charge-offs | 416.6667% | 639 |
| Earnings coverage of net charge-offs (x) | 19.8889% | 1,255 |
| Efficiency ratio | 69.9916% | 1,698 |
| Assets per employee ($millions) | 5.8897% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,457 |
| Loan loss allowance to noncurrent loans | 36.0105% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 2.1860% | 214 |
| Noncurrent loans to loans | 3.5974% | 175 |
| Net loans and leases to total assets | 58.9694% | 2,673 |
| Net loans and leases to deposits | 71.2716% | 2,391 |
| Net loans and leases to core deposits | 77.2063% | 2,241 |
| Total domestic deposits to total assets | 82.7390% | 3,753 |
| Equity capital to assets | 16.9469% | 313 |
| Core capital (leverage) ratio | 16.7020% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,010,500 | 3,617 |
| Average earning assets | $136,368,500 | 3,560 |
| Average equity | $24,055,500 | 2,925 |
| Average total loans | $79,716,500 | 3,568 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 880 |
| Cost of funding earning assets | 0.7857% | 1,272 |
| Net interest margin | 3.9232% | 1,154 |
| Noninterest income to average assets | 0.4068% | 3,057 |
| Noninterest expense to average assets | 2.6554% | 2,369 |
| Loan and lease loss provision to assets | 0.2087% | 1,887 |
| Net operating income to assets | 1.2863% | 1,284 |
| Return on assets (ROA) | 1.2977% | 1,355 |
| Pretax return on assets | 1.2977% | 1,983 |
| Return on Equity (ROE) | 7.1028% | 3,171 |
| Retained earnings to average equity (ytd only) | 2.4839% | 3,609 |
| Net charge-offs to loans | 0.4028% | 426 |
| Credit loss provision to net charge-offs | 82.3353% | 2,972 |
| Earnings coverage of net charge-offs (x) | 5.8982% | 2,826 |
| Efficiency ratio | 63.9788% | 2,827 |
| Assets per employee ($millions) | 5.4872% | 2,855 |
| Cash dividends to net income (ytd only)* | 65.0292% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 2,044 |
| Loan loss allowance to noncurrent loans | 34.8587% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 2.4259% | 190 |
| Noncurrent loans to loans | 3.9635% | 142 |
| Net loans and leases to total assets | 51.8322% | 3,677 |
| Net loans and leases to deposits | 62.7146% | 3,548 |
| Net loans and leases to core deposits | 68.4457% | 3,381 |
| Total domestic deposits to total assets | 82.6478% | 3,508 |
| Equity capital to assets | 16.9316% | 346 |
| Core capital (leverage) ratio | 17.8727% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,768,600 | 3,605 |
| Average earning assets | $125,740,400 | 3,561 |
| Average equity | $24,075,000 | 2,869 |
| Average total loans | $82,910,400 | 3,507 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 632 |
| Cost of funding earning assets | 0.8418% | 1,301 |
| Net interest margin | 4.1331% | 838 |
| Noninterest income to average assets | 0.4174% | 2,996 |
| Noninterest expense to average assets | 2.4931% | 2,876 |
| Loan and lease loss provision to assets | 0.2325% | 1,747 |
| Net operating income to assets | 1.6387% | 666 |
| Return on assets (ROA) | 1.6542% | 714 |
| Pretax return on assets | 1.6542% | 1,058 |
| Return on Equity (ROE) | 8.8740% | 2,448 |
| Retained earnings to average equity (ytd only) | 8.1978% | 1,239 |
| Net charge-offs to loans | 0.4618% | 326 |
| Credit loss provision to net charge-offs | 76.5306% | 2,779 |
| Earnings coverage of net charge-offs (x) | 6.1599% | 2,671 |
| Efficiency ratio | 57.1259% | 3,780 |
| Assets per employee ($millions) | 5.0996% | 3,112 |
| Cash dividends to net income (ytd only)* | 7.6202% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,658 |
| Loan loss allowance to noncurrent loans | 35.3793% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 2.3155% | 245 |
| Noncurrent loans to loans | 3.3928% | 245 |
| Net loans and leases to total assets | 66.2397% | 2,493 |
| Net loans and leases to deposits | 82.8915% | 2,030 |
| Net loans and leases to core deposits | 87.4856% | 2,190 |
| Total domestic deposits to total assets | 79.9114% | 3,883 |
| Equity capital to assets | 19.6031% | 222 |
| Core capital (leverage) ratio | 18.8015% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,043,750 | 3,623 |
| Average earning assets | $123,230,750 | 3,575 |
| Average equity | $24,054,750 | 2,864 |
| Average total loans | $84,892,000 | 3,501 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8383% | 1,079 |
| Cost of funding earning assets | 0.8840% | 1,447 |
| Net interest margin | 3.9544% | 1,435 |
| Noninterest income to average assets | 0.4245% | 2,944 |
| Noninterest expense to average assets | 2.4946% | 2,973 |
| Loan and lease loss provision to assets | 0.2315% | 1,816 |
| Net operating income to assets | 1.4757% | 966 |
| Return on assets (ROA) | 1.4989% | 1,000 |
| Pretax return on assets | 1.4989% | 1,458 |
| Return on Equity (ROE) | 8.1795% | 2,673 |
| Retained earnings to average equity (ytd only) | 7.1518% | 1,592 |
| Net charge-offs to loans | 0.6942% | 225 |
| Credit loss provision to net charge-offs | 51.0204% | 2,619 |
| Earnings coverage of net charge-offs (x) | 3.7619% | 2,654 |
| Efficiency ratio | 59.3681% | 3,507 |
| Assets per employee ($millions) | 5.4510% | 2,690 |
| Cash dividends to net income (ytd only)* | 12.5644% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 3,277 |
| Loan loss allowance to noncurrent loans | 27.8640% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 2.6570% | 201 |
| Noncurrent loans to loans | 3.8079% | 190 |
| Net loans and leases to total assets | 67.7842% | 2,394 |
| Net loans and leases to deposits | 83.7596% | 2,017 |
| Net loans and leases to core deposits | 90.0193% | 2,070 |
| Total domestic deposits to total assets | 80.9270% | 3,626 |
| Equity capital to assets | 18.5990% | 259 |
| Core capital (leverage) ratio | 18.5837% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,561,667 | 3,600 |
| Average earning assets | $123,762,333 | 3,553 |
| Average equity | $23,742,333 | 2,872 |
| Average total loans | $84,697,667 | 3,509 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 739 |
| Cost of funding earning assets | 0.9487% | 1,648 |
| Net interest margin | 4.1914% | 939 |
| Noninterest income to average assets | 0.4778% | 2,662 |
| Noninterest expense to average assets | 2.7612% | 2,541 |
| Loan and lease loss provision to assets | 0.2327% | 1,330 |
| Net operating income to assets | 1.4861% | 808 |
| Return on assets (ROA) | 1.4861% | 882 |
| Pretax return on assets | 1.4861% | 1,341 |
| Return on Equity (ROE) | 8.1714% | 2,444 |
| Retained earnings to average equity (ytd only) | 8.1714% | 1,180 |
| Net charge-offs to loans | 1.1382% | 136 |
| Credit loss provision to net charge-offs | 32.0513% | 2,146 |
| Earnings coverage of net charge-offs (x) | 2.3675% | 2,295 |
| Efficiency ratio | 61.6343% | 3,537 |
| Assets per employee ($millions) | 5.2941% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,239 |
| Loan loss allowance to noncurrent loans | 35.3608% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.1329% | 360 |
| Noncurrent loans to loans | 3.0941% | 338 |
| Net loans and leases to total assets | 66.5956% | 2,749 |
| Net loans and leases to deposits | 82.4169% | 2,402 |
| Net loans and leases to core deposits | 88.9925% | 2,444 |
| Total domestic deposits to total assets | 80.8033% | 3,709 |
| Equity capital to assets | 18.7568% | 306 |
| Core capital (leverage) ratio | 18.2955% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,930,500 | 3,596 |
| Average earning assets | $123,110,500 | 3,533 |
| Average equity | $23,447,500 | 2,889 |
| Average total loans | $82,232,000 | 3,546 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 475 |
| Cost of funding earning assets | 0.9343% | 2,036 |
| Net interest margin | 4.6636% | 506 |
| Noninterest income to average assets | 0.5312% | 2,573 |
| Noninterest expense to average assets | 2.9655% | 2,111 |
| Loan and lease loss provision to assets | 0.2240% | 865 |
| Net operating income to assets | 1.7703% | 557 |
| Return on assets (ROA) | 1.7703% | 596 |
| Pretax return on assets | 1.7703% | 1,018 |
| Return on Equity (ROE) | 9.5670% | 2,491 |
| Retained earnings to average equity (ytd only) | 4.6668% | 2,608 |
| Net charge-offs to loans | 0.3363% | 615 |
| Credit loss provision to net charge-offs | 96.1538% | 2,569 |
| Earnings coverage of net charge-offs (x) | 8.5594% | 2,762 |
| Efficiency ratio | 59.7898% | 3,727 |
| Assets per employee ($millions) | 4.8446% | 2,782 |
| Cash dividends to net income (ytd only)* | 51.2195% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 1,568 |
| Loan loss allowance to noncurrent loans | 59.3174% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.4625% | 700 |
| Noncurrent loans to loans | 2.3393% | 502 |
| Net loans and leases to total assets | 59.4925% | 3,630 |
| Net loans and leases to deposits | 76.3064% | 3,150 |
| Net loans and leases to core deposits | 83.0785% | 3,034 |
| Total domestic deposits to total assets | 77.9653% | 4,364 |
| Equity capital to assets | 17.6319% | 402 |
| Core capital (leverage) ratio | 18.2210% | 326 |
| Tier 1 risk-based capital ratio | 27.9591% | 560 |
| Total risk-based capital ratio | 29.2100% | 550 |
| Memoranda: | ||
| Average total assets | $122,745,600 | 3,656 |
| Average earning assets | $116,563,200 | 3,612 |
| Average equity | $22,713,400 | 2,894 |
| Average total loans | $85,036,400 | 3,503 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6940% | 415 |
| Cost of funding earning assets | 0.9046% | 2,211 |
| Net interest margin | 4.7893% | 426 |
| Noninterest income to average assets | 0.5389% | 2,517 |
| Noninterest expense to average assets | 2.7664% | 2,664 |
| Loan and lease loss provision to assets | 0.2485% | 661 |
| Net operating income to assets | 2.0729% | 344 |
| Return on assets (ROA) | 2.0729% | 357 |
| Pretax return on assets | 2.0729% | 585 |
| Return on Equity (ROE) | 11.0607% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.3418% | 668 |
| Net charge-offs to loans | 0.0323% | 2,425 |
| Credit loss provision to net charge-offs | 1,071.4286% | 326 |
| Earnings coverage of net charge-offs (x) | 100.0929% | 753 |
| Efficiency ratio | 54.3738% | 4,350 |
| Assets per employee ($millions) | 4.9509% | 2,613 |
| Cash dividends to net income (ytd only)* | 6.4996% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 1,478 |
| Loan loss allowance to noncurrent loans | 63.6231% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.7160% | 588 |
| Noncurrent loans to loans | 2.2429% | 554 |
| Net loans and leases to total assets | 73.1088% | 1,977 |
| Net loans and leases to deposits | 95.9780% | 1,020 |
| Net loans and leases to core deposits | 104.8333% | 1,275 |
| Total domestic deposits to total assets | 76.1725% | 4,630 |
| Equity capital to assets | 19.2304% | 294 |
| Core capital (leverage) ratio | 19.4128% | 271 |
| Tier 1 risk-based capital ratio | 26.4346% | 680 |
| Total risk-based capital ratio | 27.6877% | 664 |
| Memoranda: | ||
| Average total assets | $120,731,250 | 3,727 |
| Average earning assets | $114,668,250 | 3,669 |
| Average equity | $22,626,000 | 2,924 |
| Average total loans | $86,567,250 | 3,515 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7188% | 385 |
| Cost of funding earning assets | 0.8755% | 2,273 |
| Net interest margin | 4.8433% | 378 |
| Noninterest income to average assets | 0.5363% | 2,464 |
| Noninterest expense to average assets | 2.7832% | 2,649 |
| Loan and lease loss provision to assets | 0.2506% | 612 |
| Net operating income to assets | 2.1050% | 322 |
| Return on assets (ROA) | 2.1050% | 333 |
| Pretax return on assets | 2.1050% | 545 |
| Return on Equity (ROE) | 11.3340% | 1,853 |
| Retained earnings to average equity (ytd only) | 10.2366% | 694 |
| Net charge-offs to loans | 0.0401% | 2,088 |
| Credit loss provision to net charge-offs | 882.3529% | 386 |
| Earnings coverage of net charge-offs (x) | 82.9412% | 791 |
| Efficiency ratio | 54.1612% | 4,451 |
| Assets per employee ($millions) | 4.7386% | 2,820 |
| Cash dividends to net income (ytd only)* | 9.6825% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 1,714 |
| Loan loss allowance to noncurrent loans | 78.9675% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 859 |
| Noncurrent loans to loans | 1.7418% | 866 |
| Net loans and leases to total assets | 74.9928% | 1,725 |
| Net loans and leases to deposits | 93.7497% | 1,284 |
| Net loans and leases to core deposits | 101.7384% | 1,580 |
| Total domestic deposits to total assets | 79.9926% | 4,041 |
| Equity capital to assets | 19.5077% | 268 |
| Core capital (leverage) ratio | 19.0696% | 271 |
| Tier 1 risk-based capital ratio | 19.2106% | 1,509 |
| Total risk-based capital ratio | 20.2460% | 1,525 |
| Memoranda: | ||
| Average total assets | $119,717,330 | 3,769 |
| Average earning assets | $113,765,670 | 3,708 |
| Average equity | $22,234,000 | 2,953 |
| Average total loans | $84,823,330 | 3,572 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5618% | 468 |
| Cost of funding earning assets | 0.8392% | 2,332 |
| Net interest margin | 4.7227% | 470 |
| Noninterest income to average assets | 0.5252% | 2,407 |
| Noninterest expense to average assets | 2.8053% | 2,548 |
| Loan and lease loss provision to assets | 0.2493% | 584 |
| Net operating income to assets | 1.9411% | 428 |
| Return on assets (ROA) | 1.9411% | 443 |
| Pretax return on assets | 1.9411% | 721 |
| Return on Equity (ROE) | 10.7176% | 2,077 |
| Retained earnings to average equity (ytd only) | 10.7176% | 880 |
| Net charge-offs to loans | 0.0584% | 1,458 |
| Credit loss provision to net charge-offs | 625.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 54.9167% | 967 |
| Efficiency ratio | 56.1544% | 4,312 |
| Assets per employee ($millions) | 4.8989% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 1,678 |
| Loan loss allowance to noncurrent loans | 60.4759% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.6469% | 678 |
| Noncurrent loans to loans | 2.3139% | 586 |
| Net loans and leases to total assets | 67.2548% | 2,867 |
| Net loans and leases to deposits | 82.6542% | 2,543 |
| Net loans and leases to core deposits | 89.3044% | 2,575 |
| Total domestic deposits to total assets | 81.3690% | 3,893 |
| Equity capital to assets | 18.1958% | 334 |
| Core capital (leverage) ratio | 18.6507% | 293 |
| Tier 1 risk-based capital ratio | 19.9440% | 1,348 |
| Total risk-based capital ratio | 20.9832% | 1,368 |
| Memoranda: | ||
| Average total assets | $120,343,000 | 3,799 |
| Average earning assets | $113,919,000 | 3,746 |
| Average equity | $21,796,000 | 2,992 |
| Average total loans | $82,195,000 | 3,649 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4762% | 426 |
| Cost of funding earning assets | 0.6262% | 2,545 |
| Net interest margin | 4.8500% | 356 |
| Noninterest income to average assets | 0.5732% | 2,431 |
| Noninterest expense to average assets | 3.0869% | 1,836 |
| Loan and lease loss provision to assets | 0.2356% | 756 |
| Net operating income to assets | 1.7898% | 562 |
| Return on assets (ROA) | 1.7941% | 552 |
| Pretax return on assets | 1.7941% | 939 |
| Return on Equity (ROE) | 9.9027% | 2,559 |
| Retained earnings to average equity (ytd only) | 4.7007% | 2,933 |
| Net charge-offs to loans | 0.2883% | 674 |
| Credit loss provision to net charge-offs | 116.5254% | 2,225 |
| Earnings coverage of net charge-offs (x) | 10.0169% | 2,763 |
| Efficiency ratio | 60.3821% | 3,788 |
| Assets per employee ($millions) | 4.7285% | 2,832 |
| Cash dividends to net income (ytd only)* | 52.5310% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 1,757 |
| Loan loss allowance to noncurrent loans | 57.2760% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.7046% | 628 |
| Noncurrent loans to loans | 2.3883% | 527 |
| Net loans and leases to total assets | 67.4596% | 2,947 |
| Net loans and leases to deposits | 85.4837% | 2,351 |
| Net loans and leases to core deposits | 91.2593% | 2,473 |
| Total domestic deposits to total assets | 78.9152% | 4,328 |
| Equity capital to assets | 18.0242% | 342 |
| Core capital (leverage) ratio | 18.7962% | 269 |
| Tier 1 risk-based capital ratio | 27.2376% | 601 |
| Total risk-based capital ratio | 28.4892% | 590 |
| Memoranda: | ||
| Average total assets | $116,719,000 | 3,843 |
| Average earning assets | $109,237,200 | 3,816 |
| Average equity | $21,145,800 | 2,973 |
| Average total loans | $81,866,000 | 3,629 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5180% | 347 |
| Cost of funding earning assets | 0.5916% | 2,532 |
| Net interest margin | 4.9264% | 300 |
| Noninterest income to average assets | 0.5673% | 2,485 |
| Noninterest expense to average assets | 2.7618% | 2,768 |
| Loan and lease loss provision to assets | 0.2578% | 604 |
| Net operating income to assets | 2.1476% | 283 |
| Return on assets (ROA) | 2.1533% | 277 |
| Pretax return on assets | 2.1533% | 427 |
| Return on Equity (ROE) | 11.8702% | 1,839 |
| Retained earnings to average equity (ytd only) | 11.0995% | 632 |
| Net charge-offs to loans | 0.1900% | 879 |
| Credit loss provision to net charge-offs | 192.3077% | 1,429 |
| Earnings coverage of net charge-offs (x) | 17.9397% | 2,083 |
| Efficiency ratio | 53.4487% | 4,664 |
| Assets per employee ($millions) | 4.2753% | 3,469 |
| Cash dividends to net income (ytd only)* | 6.4927% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 2,059 |
| Loan loss allowance to noncurrent loans | 73.7602% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.4597% | 894 |
| Noncurrent loans to loans | 1.7754% | 869 |
| Net loans and leases to total assets | 76.7118% | 1,555 |
| Net loans and leases to deposits | 98.3222% | 926 |
| Net loans and leases to core deposits | 104.8922% | 1,389 |
| Total domestic deposits to total assets | 78.0208% | 4,481 |
| Equity capital to assets | 18.8760% | 277 |
| Core capital (leverage) ratio | 19.3049% | 263 |
| Tier 1 risk-based capital ratio | 26.3918% | 656 |
| Total risk-based capital ratio | 27.6429% | 644 |
| Memoranda: | ||
| Average total assets | $116,345,500 | 3,885 |
| Average earning assets | $108,635,750 | 3,865 |
| Average equity | $21,105,500 | 2,995 |
| Average total loans | $82,119,500 | 3,651 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1629% | 595 |
| Cost of funding earning assets | 0.5726% | 2,413 |
| Net interest margin | 4.5902% | 562 |
| Noninterest income to average assets | 0.6069% | 2,289 |
| Noninterest expense to average assets | 2.7604% | 2,805 |
| Loan and lease loss provision to assets | 0.2572% | 599 |
| Net operating income to assets | 1.8637% | 508 |
| Return on assets (ROA) | 1.8637% | 508 |
| Pretax return on assets | 1.8637% | 855 |
| Return on Equity (ROE) | 10.4130% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.2443% | 1,144 |
| Net charge-offs to loans | 0.2764% | 578 |
| Credit loss provision to net charge-offs | 136.3636% | 1,672 |
| Earnings coverage of net charge-offs (x) | 11.2455% | 2,286 |
| Efficiency ratio | 56.5508% | 4,408 |
| Assets per employee ($millions) | 4.5498% | 3,050 |
| Cash dividends to net income (ytd only)* | 11.2236% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,234 |
| Loan loss allowance to noncurrent loans | 33.4138% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.8446% | 273 |
| Noncurrent loans to loans | 3.8491% | 237 |
| Net loans and leases to total assets | 71.8244% | 2,302 |
| Net loans and leases to deposits | 88.0018% | 2,114 |
| Net loans and leases to core deposits | 93.4605% | 2,271 |
| Total domestic deposits to total assets | 81.6170% | 3,837 |
| Equity capital to assets | 17.9223% | 330 |
| Core capital (leverage) ratio | 18.6583% | 286 |
| Tier 1 risk-based capital ratio | 26.0546% | 668 |
| Total risk-based capital ratio | 27.3058% | 656 |
| Memoranda: | ||
| Average total assets | $116,650,000 | 3,917 |
| Average earning assets | $108,622,000 | 3,899 |
| Average equity | $20,877,670 | 3,041 |
| Average total loans | $79,584,330 | 3,722 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 524 |
| Cost of funding earning assets | 0.5451% | 2,442 |
| Net interest margin | 4.6201% | 479 |
| Noninterest income to average assets | 0.6285% | 2,137 |
| Noninterest expense to average assets | 2.8525% | 2,519 |
| Loan and lease loss provision to assets | 0.2590% | 558 |
| Net operating income to assets | 1.8199% | 543 |
| Return on assets (ROA) | 1.8199% | 547 |
| Pretax return on assets | 1.8199% | 875 |
| Return on Equity (ROE) | 10.1757% | 2,342 |
| Retained earnings to average equity (ytd only) | 10.1757% | 1,109 |
| Net charge-offs to loans | 0.1729% | 837 |
| Credit loss provision to net charge-offs | 227.2727% | 960 |
| Earnings coverage of net charge-offs (x) | 18.2424% | 1,541 |
| Efficiency ratio | 57.8431% | 4,364 |
| Assets per employee ($millions) | 4.5752% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 1,912 |
| Loan loss allowance to noncurrent loans | 43.1182% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 2.2437% | 450 |
| Noncurrent loans to loans | 3.2024% | 354 |
| Net loans and leases to total assets | 66.5834% | 2,955 |
| Net loans and leases to deposits | 81.1518% | 2,679 |
| Net loans and leases to core deposits | 85.8451% | 2,818 |
| Total domestic deposits to total assets | 82.0480% | 3,949 |
| Equity capital to assets | 17.5292% | 353 |
| Core capital (leverage) ratio | 18.4418% | 290 |
| Tier 1 risk-based capital ratio | 26.7140% | 627 |
| Total risk-based capital ratio | 27.9657% | 619 |
| Memoranda: | ||
| Average total assets | $115,828,000 | 3,967 |
| Average earning assets | $107,876,500 | 3,949 |
| Average equity | $20,716,000 | 3,084 |
| Average total loans | $76,341,000 | 3,826 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2162% | 434 |
| Cost of funding earning assets | 0.4846% | 2,463 |
| Net interest margin | 4.7316% | 398 |
| Noninterest income to average assets | 0.5668% | 2,615 |
| Noninterest expense to average assets | 2.9650% | 2,262 |
| Loan and lease loss provision to assets | 0.2417% | 787 |
| Net operating income to assets | 1.3080% | 1,208 |
| Return on assets (ROA) | 1.3164% | 1,202 |
| Pretax return on assets | 1.7734% | 852 |
| Return on Equity (ROE) | 7.2289% | 3,161 |
| Retained earnings to average equity (ytd only) | 1.9689% | 4,140 |
| Net charge-offs to loans | 0.3602% | 701 |
| Credit loss provision to net charge-offs | 95.8188% | 2,693 |
| Earnings coverage of net charge-offs (x) | 7.9443% | 2,973 |
| Efficiency ratio | 59.6746% | 4,308 |
| Assets per employee ($millions) | 4.3346% | 3,436 |
| Cash dividends to net income (ytd only)* | 72.7637% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 1,495 |
| Loan loss allowance to noncurrent loans | 47.6339% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 2.0453% | 544 |
| Noncurrent loans to loans | 3.0953% | 353 |
| Net loans and leases to total assets | 63.2662% | 3,456 |
| Net loans and leases to deposits | 77.9076% | 3,121 |
| Net loans and leases to core deposits | 81.8761% | 3,255 |
| Total domestic deposits to total assets | 81.2067% | 4,069 |
| Equity capital to assets | 18.2609% | 295 |
| Core capital (leverage) ratio | 18.3877% | 271 |
| Tier 1 risk-based capital ratio | 30.2760% | 451 |
| Total risk-based capital ratio | 31.5303% | 447 |
| Memoranda: | ||
| Average total assets | $113,793,200 | 3,999 |
| Average earning assets | $105,862,200 | 3,986 |
| Average equity | $20,722,400 | 3,060 |
| Average total loans | $79,685,600 | 3,755 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2186% | 407 |
| Cost of funding earning assets | 0.4677% | 2,540 |
| Net interest margin | 4.7509% | 375 |
| Noninterest income to average assets | 0.5915% | 2,527 |
| Noninterest expense to average assets | 2.5634% | 3,522 |
| Loan and lease loss provision to assets | 0.2630% | 641 |
| Net operating income to assets | 1.5904% | 735 |
| Return on assets (ROA) | 1.6014% | 732 |
| Pretax return on assets | 2.2092% | 353 |
| Return on Equity (ROE) | 8.7996% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.0160% | 1,219 |
| Net charge-offs to loans | 0.1914% | 1,108 |
| Credit loss provision to net charge-offs | 192.3077% | 1,385 |
| Earnings coverage of net charge-offs (x) | 17.9654% | 2,081 |
| Efficiency ratio | 51.0594% | 5,177 |
| Assets per employee ($millions) | 4.2992% | 3,470 |
| Cash dividends to net income (ytd only)* | 8.9050% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 2,167 |
| Loan loss allowance to noncurrent loans | 48.0567% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.2679% | 517 |
| Noncurrent loans to loans | 2.7853% | 494 |
| Net loans and leases to total assets | 78.2723% | 1,234 |
| Net loans and leases to deposits | 99.8459% | 755 |
| Net loans and leases to core deposits | 104.5430% | 1,354 |
| Total domestic deposits to total assets | 78.3931% | 4,649 |
| Equity capital to assets | 19.3149% | 254 |
| Core capital (leverage) ratio | 19.2670% | 239 |
| Tier 1 risk-based capital ratio | 26.6179% | 639 |
| Total risk-based capital ratio | 27.8705% | 626 |
| Memoranda: | ||
| Average total assets | $114,066,500 | 4,034 |
| Average earning assets | $106,335,500 | 4,018 |
| Average equity | $20,758,000 | 3,078 |
| Average total loans | $81,515,000 | 3,737 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0865% | 490 |
| Cost of funding earning assets | 0.4614% | 2,491 |
| Net interest margin | 4.6251% | 458 |
| Noninterest income to average assets | 0.5486% | 2,725 |
| Noninterest expense to average assets | 2.4454% | 3,927 |
| Loan and lease loss provision to assets | 0.2613% | 629 |
| Net operating income to assets | 1.2333% | 1,490 |
| Return on assets (ROA) | 1.2366% | 1,513 |
| Pretax return on assets | 2.1423% | 403 |
| Return on Equity (ROE) | 6.9334% | 3,588 |
| Retained earnings to average equity (ytd only) | 6.9334% | 1,626 |
| Net charge-offs to loans | 0.0657% | 1,990 |
| Credit loss provision to net charge-offs | 576.9231% | 591 |
| Earnings coverage of net charge-offs (x) | 52.9615% | 1,032 |
| Efficiency ratio | 50.4854% | 5,276 |
| Assets per employee ($millions) | 4.5708% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 1,967 |
| Loan loss allowance to noncurrent loans | 68.8215% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.5866% | 935 |
| Noncurrent loans to loans | 2.0279% | 828 |
| Net loans and leases to total assets | 74.3806% | 1,801 |
| Net loans and leases to deposits | 91.8596% | 1,514 |
| Net loans and leases to core deposits | 95.5622% | 2,017 |
| Total domestic deposits to total assets | 80.9721% | 4,192 |
| Equity capital to assets | 18.4311% | 294 |
| Core capital (leverage) ratio | 18.4807% | 274 |
| Tier 1 risk-based capital ratio | 26.4066% | 647 |
| Total risk-based capital ratio | 27.6596% | 628 |
| Memoranda: | ||
| Average total assets | $114,829,000 | 4,044 |
| Average earning assets | $106,635,000 | 4,035 |
| Average equity | $20,480,670 | 3,106 |
| Average total loans | $79,127,000 | 3,808 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9770% | 545 |
| Cost of funding earning assets | 0.4535% | 2,500 |
| Net interest margin | 4.5236% | 503 |
| Noninterest income to average assets | 0.5838% | 2,491 |
| Noninterest expense to average assets | 2.6271% | 3,387 |
| Loan and lease loss provision to assets | 0.2606% | 558 |
| Net operating income to assets | 0.1737% | 5,427 |
| Return on assets (ROA) | 0.1737% | 5,439 |
| Pretax return on assets | 1.8556% | 711 |
| Return on Equity (ROE) | 0.9906% | 5,496 |
| Retained earnings to average equity (ytd only) | 0.9906% | 4,664 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3846% | 5,003 |
| Assets per employee ($millions) | 4.5658% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 1,839 |
| Loan loss allowance to noncurrent loans | 71.1906% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 1,097 |
| Noncurrent loans to loans | 2.0469% | 860 |
| Net loans and leases to total assets | 68.3680% | 2,619 |
| Net loans and leases to deposits | 83.6357% | 2,323 |
| Net loans and leases to core deposits | 87.4189% | 2,604 |
| Total domestic deposits to total assets | 81.7450% | 4,233 |
| Equity capital to assets | 17.6969% | 324 |
| Core capital (leverage) ratio | 18.0617% | 282 |
| Tier 1 risk-based capital ratio | 27.6600% | 583 |
| Total risk-based capital ratio | 28.9136% | 570 |
| Memoranda: | ||
| Average total assets | $115,109,000 | 4,080 |
| Average earning assets | $105,846,000 | 4,087 |
| Average equity | $20,190,500 | 3,146 |
| Average total loans | $75,592,000 | 3,918 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1218% | 482 |
| Cost of funding earning assets | 0.4643% | 2,403 |
| Net interest margin | 4.6575% | 451 |
| Noninterest income to average assets | 0.6806% | 2,259 |
| Noninterest expense to average assets | 3.0504% | 2,180 |
| Loan and lease loss provision to assets | 0.2418% | 878 |
| Net operating income to assets | 1.1050% | 1,881 |
| Return on assets (ROA) | 1.1185% | 1,912 |
| Pretax return on assets | 1.6778% | 1,059 |
| Return on Equity (ROE) | 6.2025% | 3,885 |
| Retained earnings to average equity (ytd only) | 2.2821% | 4,226 |
| Net charge-offs to loans | 0.1874% | 1,482 |
| Credit loss provision to net charge-offs | 189.6552% | 1,491 |
| Earnings coverage of net charge-offs (x) | 14.8966% | 2,253 |
| Efficiency ratio | 61.6273% | 4,325 |
| Assets per employee ($millions) | 4.8364% | 2,595 |
| Cash dividends to net income (ytd only)* | 63.2075% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,676 |
| Loan loss allowance to noncurrent loans | 56.9995% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.7075% | 901 |
| Noncurrent loans to loans | 2.6295% | 580 |
| Net loans and leases to total assets | 61.0929% | 3,714 |
| Net loans and leases to deposits | 74.4634% | 3,468 |
| Net loans and leases to core deposits | 77.7606% | 3,587 |
| Total domestic deposits to total assets | 82.0442% | 4,061 |
| Equity capital to assets | 17.3863% | 346 |
| Core capital (leverage) ratio | 18.2407% | 272 |
| Tier 1 risk-based capital ratio | 27.4953% | 595 |
| Total risk-based capital ratio | 28.7472% | 582 |
| Memoranda: | ||
| Average total assets | $113,723,600 | 4,098 |
| Average earning assets | $104,241,200 | 4,113 |
| Average equity | $20,507,800 | 3,118 |
| Average total loans | $77,394,600 | 3,863 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 473 |
| Cost of funding earning assets | 0.4640% | 2,431 |
| Net interest margin | 4.6608% | 458 |
| Noninterest income to average assets | 0.6765% | 2,280 |
| Noninterest expense to average assets | 2.6375% | 3,545 |
| Loan and lease loss provision to assets | 0.2652% | 683 |
| Net operating income to assets | 1.3465% | 1,175 |
| Return on assets (ROA) | 1.3564% | 1,233 |
| Pretax return on assets | 2.0859% | 479 |
| Return on Equity (ROE) | 7.4535% | 3,321 |
| Retained earnings to average equity (ytd only) | 6.6440% | 1,820 |
| Net charge-offs to loans | 0.1101% | 1,844 |
| Credit loss provision to net charge-offs | 346.1538% | 937 |
| Earnings coverage of net charge-offs (x) | 30.4939% | 1,473 |
| Efficiency ratio | 53.0332% | 5,309 |
| Assets per employee ($millions) | 4.5217% | 3,054 |
| Cash dividends to net income (ytd only)* | 10.8599% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 2,577 |
| Loan loss allowance to noncurrent loans | 50.0451% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.1121% | 719 |
| Noncurrent loans to loans | 2.6376% | 635 |
| Net loans and leases to total assets | 76.3988% | 1,457 |
| Net loans and leases to deposits | 95.7025% | 1,078 |
| Net loans and leases to core deposits | 100.6862% | 1,571 |
| Total domestic deposits to total assets | 79.8295% | 4,554 |
| Equity capital to assets | 19.5291% | 240 |
| Core capital (leverage) ratio | 19.0097% | 231 |
| Tier 1 risk-based capital ratio | 26.0710% | 709 |
| Total risk-based capital ratio | 27.3220% | 693 |
| Memoranda: | ||
| Average total assets | $113,136,000 | 4,140 |
| Average earning assets | $104,300,000 | 4,134 |
| Average equity | $20,589,500 | 3,135 |
| Average total loans | $78,745,250 | 3,858 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9637% | 632 |
| Cost of funding earning assets | 0.4648% | 2,427 |
| Net interest margin | 4.4990% | 621 |
| Noninterest income to average assets | 0.7482% | 1,940 |
| Noninterest expense to average assets | 2.6248% | 3,635 |
| Loan and lease loss provision to assets | 0.2616% | 716 |
| Net operating income to assets | 1.2892% | 1,302 |
| Return on assets (ROA) | 1.3028% | 1,367 |
| Pretax return on assets | 2.0022% | 566 |
| Return on Equity (ROE) | 7.3277% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.1015% | 2,068 |
| Net charge-offs to loans | 0.0338% | 2,775 |
| Credit loss provision to net charge-offs | 1,153.8462% | 331 |
| Earnings coverage of net charge-offs (x) | 98.9231% | 587 |
| Efficiency ratio | 53.9233% | 5,318 |
| Assets per employee ($millions) | 4.7033% | 2,709 |
| Cash dividends to net income (ytd only)* | 16.7336% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,785 |
| Loan loss allowance to noncurrent loans | 56.5036% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 2.0739% | 767 |
| Noncurrent loans to loans | 2.3009% | 793 |
| Net loans and leases to total assets | 73.0402% | 2,005 |
| Net loans and leases to deposits | 90.2846% | 1,720 |
| Net loans and leases to core deposits | 94.7307% | 2,088 |
| Total domestic deposits to total assets | 80.8999% | 4,306 |
| Equity capital to assets | 18.4755% | 297 |
| Core capital (leverage) ratio | 18.0932% | 288 |
| Tier 1 risk-based capital ratio | 25.6767% | 750 |
| Total risk-based capital ratio | 26.9279% | 732 |
| Memoranda: | ||
| Average total assets | $114,674,670 | 4,143 |
| Average earning assets | $105,001,670 | 4,148 |
| Average equity | $20,388,330 | 3,154 |
| Average total loans | $76,988,000 | 3,924 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 891 |
| Cost of funding earning assets | 0.4644% | 2,426 |
| Net interest margin | 4.3162% | 898 |
| Noninterest income to average assets | 0.9241% | 1,253 |
| Noninterest expense to average assets | 2.5335% | 3,969 |
| Loan and lease loss provision to assets | 0.2596% | 664 |
| Net operating income to assets | 1.3318% | 1,183 |
| Return on assets (ROA) | 1.3498% | 1,204 |
| Pretax return on assets | 2.0835% | 483 |
| Return on Equity (ROE) | 7.7400% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.7400% | 1,572 |
| Net charge-offs to loans | -0.0163% | 4,758 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2484% | 5,500 |
| Assets per employee ($millions) | 4.9121% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,706 |
| Loan loss allowance to noncurrent loans | 91.4515% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.3843% | 1,506 |
| Noncurrent loans to loans | 1.4656% | 1,608 |
| Net loans and leases to total assets | 64.1236% | 3,224 |
| Net loans and leases to deposits | 78.1685% | 2,992 |
| Net loans and leases to core deposits | 81.8023% | 3,146 |
| Total domestic deposits to total assets | 82.0326% | 4,212 |
| Equity capital to assets | 17.3143% | 395 |
| Core capital (leverage) ratio | 17.8978% | 302 |
| Tier 1 risk-based capital ratio | 26.5423% | 696 |
| Total risk-based capital ratio | 27.7931% | 687 |
| Memoranda: | ||
| Average total assets | $115,572,500 | 4,160 |
| Average earning assets | $105,092,500 | 4,186 |
| Average equity | $20,155,000 | 3,181 |
| Average total loans | $73,715,500 | 4,032 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 683 |
| Cost of funding earning assets | 0.4798% | 2,353 |
| Net interest margin | 4.4758% | 685 |
| Noninterest income to average assets | 0.5453% | 3,041 |
| Noninterest expense to average assets | 3.0327% | 2,439 |
| Loan and lease loss provision to assets | 0.2434% | 783 |
| Net operating income to assets | 0.9486% | 2,621 |
| Return on assets (ROA) | 0.9622% | 2,640 |
| Pretax return on assets | 1.4429% | 1,749 |
| Return on Equity (ROE) | 5.5403% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.6341% | 3,462 |
| Net charge-offs to loans | 0.3996% | 714 |
| Credit loss provision to net charge-offs | 94.5017% | 2,670 |
| Earnings coverage of net charge-offs (x) | 6.4674% | 3,222 |
| Efficiency ratio | 64.5441% | 4,156 |
| Assets per employee ($millions) | 5.1479% | 2,178 |
| Cash dividends to net income (ytd only)* | 34.4066% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 2,709 |
| Loan loss allowance to noncurrent loans | 81.5993% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.6229% | 1,210 |
| Noncurrent loans to loans | 1.6425% | 1,387 |
| Net loans and leases to total assets | 61.6835% | 3,607 |
| Net loans and leases to deposits | 75.3473% | 3,335 |
| Net loans and leases to core deposits | 78.5639% | 3,488 |
| Total domestic deposits to total assets | 81.8655% | 4,199 |
| Equity capital to assets | 17.5694% | 352 |
| Core capital (leverage) ratio | 17.9529% | 287 |
| Tier 1 risk-based capital ratio | 27.2173% | 648 |
| Total risk-based capital ratio | 28.4677% | 632 |
| Memoranda: | ||
| Average total assets | $112,969,800 | 4,194 |
| Average earning assets | $104,830,400 | 4,168 |
| Average equity | $19,619,800 | 3,210 |
| Average total loans | $72,825,200 | 4,022 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 681 |
| Cost of funding earning assets | 0.4820% | 2,387 |
| Net interest margin | 4.4724% | 694 |
| Noninterest income to average assets | 0.5125% | 3,281 |
| Noninterest expense to average assets | 2.5970% | 3,896 |
| Loan and lease loss provision to assets | 0.2657% | 619 |
| Net operating income to assets | 1.2096% | 1,616 |
| Return on assets (ROA) | 1.2270% | 1,621 |
| Pretax return on assets | 1.8399% | 823 |
| Return on Equity (ROE) | 7.0858% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.2334% | 2,099 |
| Net charge-offs to loans | 0.4364% | 582 |
| Credit loss provision to net charge-offs | 93.7500% | 2,414 |
| Earnings coverage of net charge-offs (x) | 7.3375% | 2,921 |
| Efficiency ratio | 55.5303% | 5,406 |
| Assets per employee ($millions) | 4.5985% | 2,836 |
| Cash dividends to net income (ytd only)* | 12.0306% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 3,695 |
| Loan loss allowance to noncurrent loans | 84.1453% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 2.2761% | 817 |
| Noncurrent loans to loans | 1.4178% | 1,787 |
| Net loans and leases to total assets | 71.2925% | 2,177 |
| Net loans and leases to deposits | 88.3779% | 1,849 |
| Net loans and leases to core deposits | 92.2988% | 2,234 |
| Total domestic deposits to total assets | 80.6678% | 4,559 |
| Equity capital to assets | 18.1978% | 328 |
| Core capital (leverage) ratio | 18.0672% | 297 |
| Tier 1 risk-based capital ratio | 25.3983% | 820 |
| Total risk-based capital ratio | 26.5938% | 805 |
| Memoranda: | ||
| Average total assets | $112,898,750 | 4,248 |
| Average earning assets | $105,116,750 | 4,204 |
| Average equity | $19,550,250 | 3,245 |
| Average total loans | $73,329,500 | 4,050 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 1,160 |
| Cost of funding earning assets | 0.4807% | 2,425 |
| Net interest margin | 4.1734% | 1,166 |
| Noninterest income to average assets | 0.5627% | 2,957 |
| Noninterest expense to average assets | 2.6006% | 3,906 |
| Loan and lease loss provision to assets | 0.2638% | 635 |
| Net operating income to assets | 1.0640% | 2,083 |
| Return on assets (ROA) | 1.0831% | 2,107 |
| Pretax return on assets | 1.6036% | 1,316 |
| Return on Equity (ROE) | 6.3596% | 3,958 |
| Retained earnings to average equity (ytd only) | 5.0691% | 2,819 |
| Net charge-offs to loans | 0.1235% | 1,776 |
| Credit loss provision to net charge-offs | 340.9091% | 850 |
| Earnings coverage of net charge-offs (x) | 23.7727% | 1,595 |
| Efficiency ratio | 58.5743% | 5,158 |
| Assets per employee ($millions) | 4.4698% | 3,035 |
| Cash dividends to net income (ytd only)* | 20.2922% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 2,921 |
| Loan loss allowance to noncurrent loans | 29.7884% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 3.7952% | 360 |
| Noncurrent loans to loans | 4.5715% | 289 |
| Net loans and leases to total assets | 69.3579% | 2,434 |
| Net loans and leases to deposits | 84.6086% | 2,237 |
| Net loans and leases to core deposits | 90.0445% | 2,343 |
| Total domestic deposits to total assets | 81.9750% | 4,296 |
| Equity capital to assets | 17.4317% | 381 |
| Core capital (leverage) ratio | 17.3871% | 338 |
| Tier 1 risk-based capital ratio | 25.1778% | 847 |
| Total risk-based capital ratio | 26.4291% | 831 |
| Memoranda: | ||
| Average total assets | $113,743,330 | 4,256 |
| Average earning assets | $105,669,000 | 4,226 |
| Average equity | $19,372,330 | 3,279 |
| Average total loans | $71,228,670 | 4,130 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 1,241 |
| Cost of funding earning assets | 0.4751% | 2,502 |
| Net interest margin | 4.1178% | 1,233 |
| Noninterest income to average assets | 0.5473% | 2,967 |
| Noninterest expense to average assets | 2.5483% | 4,106 |
| Loan and lease loss provision to assets | 0.2615% | 615 |
| Net operating income to assets | 1.0455% | 2,050 |
| Return on assets (ROA) | 1.0598% | 2,131 |
| Pretax return on assets | 1.5652% | 1,357 |
| Return on Equity (ROE) | 6.2943% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.2943% | 2,335 |
| Net charge-offs to loans | 0.1007% | 1,715 |
| Credit loss provision to net charge-offs | 441.1765% | 606 |
| Earnings coverage of net charge-offs (x) | 30.4706% | 1,143 |
| Efficiency ratio | 58.5268% | 5,278 |
| Assets per employee ($millions) | 4.6191% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 2,633 |
| Loan loss allowance to noncurrent loans | 44.7115% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 2.6559% | 777 |
| Noncurrent loans to loans | 3.2601% | 629 |
| Net loans and leases to total assets | 59.8898% | 3,668 |
| Net loans and leases to deposits | 72.6315% | 3,475 |
| Net loans and leases to core deposits | 77.1089% | 3,474 |
| Total domestic deposits to total assets | 82.4571% | 4,365 |
| Equity capital to assets | 16.9540% | 432 |
| Core capital (leverage) ratio | 17.2283% | 341 |
| Tier 1 risk-based capital ratio | 28.6103% | 613 |
| Total risk-based capital ratio | 29.8967% | 599 |
| Memoranda: | ||
| Average total assets | $114,742,500 | 4,273 |
| Average earning assets | $106,075,500 | 4,249 |
| Average equity | $19,319,000 | 3,311 |
| Average total loans | $67,556,000 | 4,250 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4523% | 2,058 |
| Cost of funding earning assets | 0.5432% | 2,262 |
| Net interest margin | 3.9090% | 2,204 |
| Noninterest income to average assets | 0.5347% | 3,275 |
| Noninterest expense to average assets | 2.8866% | 3,188 |
| Loan and lease loss provision to assets | 0.2112% | 1,180 |
| Net operating income to assets | 0.7120% | 3,827 |
| Return on assets (ROA) | 0.7552% | 3,705 |
| Pretax return on assets | 1.0661% | 3,223 |
| Return on Equity (ROE) | 4.8258% | 4,757 |
| Retained earnings to average equity (ytd only) | 2.8070% | 4,244 |
| Net charge-offs to loans | 0.5557% | 734 |
| Credit loss provision to net charge-offs | 69.8324% | 3,083 |
| Earnings coverage of net charge-offs (x) | 4.0223% | 3,758 |
| Efficiency ratio | 70.3521% | 3,476 |
| Assets per employee ($millions) | 4.7503% | 2,656 |
| Cash dividends to net income (ytd only)* | 41.8345% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 2,542 |
| Loan loss allowance to noncurrent loans | 41.8111% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 2.9051% | 715 |
| Noncurrent loans to loans | 3.5546% | 572 |
| Net loans and leases to total assets | 56.1057% | 4,323 |
| Net loans and leases to deposits | 67.8335% | 4,142 |
| Net loans and leases to core deposits | 72.0586% | 4,115 |
| Total domestic deposits to total assets | 82.7109% | 4,179 |
| Equity capital to assets | 16.7181% | 450 |
| Core capital (leverage) ratio | 17.0086% | 365 |
| Tier 1 risk-based capital ratio | 29.2298% | 544 |
| Total risk-based capital ratio | 29.4285% | 593 |
| Memoranda: | ||
| Average total assets | $118,374,800 | 4,219 |
| Average earning assets | $108,057,000 | 4,226 |
| Average equity | $18,525,400 | 3,343 |
| Average total loans | $64,424,200 | 4,351 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 2,077 |
| Cost of funding earning assets | 0.5546% | 2,244 |
| Net interest margin | 3.8873% | 2,293 |
| Noninterest income to average assets | 0.5156% | 3,442 |
| Noninterest expense to average assets | 2.4575% | 4,652 |
| Loan and lease loss provision to assets | 0.2511% | 857 |
| Net operating income to assets | 0.9253% | 2,796 |
| Return on assets (ROA) | 0.9676% | 2,671 |
| Pretax return on assets | 1.4040% | 1,990 |
| Return on Equity (ROE) | 6.2853% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.3791% | 2,835 |
| Net charge-offs to loans | 0.4521% | 870 |
| Credit loss provision to net charge-offs | 103.2110% | 2,140 |
| Earnings coverage of net charge-offs (x) | 6.5504% | 3,065 |
| Efficiency ratio | 60.6612% | 5,097 |
| Assets per employee ($millions) | 4.5533% | 2,877 |
| Cash dividends to net income (ytd only)* | 14.4173% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 2,346 |
| Loan loss allowance to noncurrent loans | 56.1915% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 2.6038% | 992 |
| Noncurrent loans to loans | 2.8233% | 980 |
| Net loans and leases to total assets | 58.8546% | 3,955 |
| Net loans and leases to deposits | 71.4266% | 3,744 |
| Net loans and leases to core deposits | 75.8921% | 3,757 |
| Total domestic deposits to total assets | 82.3988% | 4,340 |
| Equity capital to assets | 16.7869% | 456 |
| Core capital (leverage) ratio | 16.8905% | 384 |
| Tier 1 risk-based capital ratio | 29.1574% | 568 |
| Total risk-based capital ratio | 29.5075% | 611 |
| Memoranda: | ||
| Average total assets | $119,466,500 | 4,230 |
| Average earning assets | $108,659,750 | 4,251 |
| Average equity | $18,391,750 | 3,379 |
| Average total loans | $64,297,750 | 4,394 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 2,568 |
| Cost of funding earning assets | 0.5685% | 2,178 |
| Net interest margin | 3.7361% | 2,817 |
| Noninterest income to average assets | 0.4533% | 3,852 |
| Noninterest expense to average assets | 2.4410% | 4,766 |
| Loan and lease loss provision to assets | 0.2472% | 894 |
| Net operating income to assets | 0.8058% | 3,297 |
| Return on assets (ROA) | 0.8093% | 3,384 |
| Pretax return on assets | 1.1389% | 2,933 |
| Return on Equity (ROE) | 5.4097% | 4,478 |
| Retained earnings to average equity (ytd only) | 4.0325% | 3,611 |
| Net charge-offs to loans | 0.4696% | 861 |
| Credit loss provision to net charge-offs | 101.3514% | 1,963 |
| Earnings coverage of net charge-offs (x) | 5.6622% | 2,891 |
| Efficiency ratio | 63.8637% | 4,710 |
| Assets per employee ($millions) | 4.6633% | 2,677 |
| Cash dividends to net income (ytd only)* | 25.4582% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 2,416 |
| Loan loss allowance to noncurrent loans | 55.5269% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 2.5372% | 1,106 |
| Noncurrent loans to loans | 2.9043% | 1,022 |
| Net loans and leases to total assets | 56.2552% | 4,251 |
| Net loans and leases to deposits | 67.5462% | 4,101 |
| Net loans and leases to core deposits | 70.7425% | 4,187 |
| Total domestic deposits to total assets | 83.2840% | 4,195 |
| Equity capital to assets | 16.0615% | 540 |
| Core capital (leverage) ratio | 15.8820% | 492 |
| Tier 1 risk-based capital ratio | 29.4253% | 548 |
| Total risk-based capital ratio | 29.8148% | 598 |
| Memoranda: | ||
| Average total assets | $121,344,330 | 4,209 |
| Average earning assets | $109,417,670 | 4,257 |
| Average equity | $18,152,670 | 3,407 |
| Average total loans | $63,038,330 | 4,454 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 2,988 |
| Cost of funding earning assets | 0.5920% | 2,049 |
| Net interest margin | 3.5772% | 3,347 |
| Noninterest income to average assets | 0.3621% | 4,494 |
| Noninterest expense to average assets | 2.3536% | 5,055 |
| Loan and lease loss provision to assets | 0.2425% | 902 |
| Net operating income to assets | 0.6868% | 3,753 |
| Return on assets (ROA) | 0.6822% | 3,852 |
| Pretax return on assets | 0.9440% | 3,543 |
| Return on Equity (ROE) | 4.7239% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.7239% | 3,282 |
| Net charge-offs to loans | 0.3920% | 931 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 6.1500% | 2,268 |
| Efficiency ratio | 66.3628% | 4,472 |
| Assets per employee ($millions) | 4.9400% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 2,130 |
| Loan loss allowance to noncurrent loans | 67.5776% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 2.4591% | 1,304 |
| Noncurrent loans to loans | 2.6187% | 1,311 |
| Net loans and leases to total assets | 48.9016% | 5,013 |
| Net loans and leases to deposits | 57.7376% | 4,970 |
| Net loans and leases to core deposits | 59.9946% | 5,034 |
| Total domestic deposits to total assets | 84.6962% | 4,005 |
| Equity capital to assets | 14.7572% | 725 |
| Core capital (leverage) ratio | 15.6118% | 525 |
| Tier 1 risk-based capital ratio | 29.6628% | 540 |
| Total risk-based capital ratio | 30.0994% | 573 |
| Memoranda: | ||
| Average total assets | $123,725,000 | 4,198 |
| Average earning assets | $110,140,500 | 4,268 |
| Average equity | $17,866,500 | 3,440 |
| Average total loans | $61,228,000 | 4,544 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6185% | 1,808 |
| Cost of funding earning assets | 0.7361% | 1,584 |
| Net interest margin | 3.8824% | 2,360 |
| Noninterest income to average assets | 0.5292% | 3,557 |
| Noninterest expense to average assets | 2.8220% | 3,646 |
| Loan and lease loss provision to assets | 0.2084% | 1,777 |
| Net operating income to assets | 0.6548% | 4,008 |
| Return on assets (ROA) | 0.6984% | 3,895 |
| Pretax return on assets | 1.0268% | 3,238 |
| Return on Equity (ROE) | 4.6121% | 4,831 |
| Retained earnings to average equity (ytd only) | 2.5537% | 4,432 |
| Net charge-offs to loans | 0.5348% | 1,240 |
| Credit loss provision to net charge-offs | 75.3012% | 3,164 |
| Earnings coverage of net charge-offs (x) | 4.2319% | 3,626 |
| Efficiency ratio | 70.6742% | 3,731 |
| Assets per employee ($millions) | 4.9580% | 2,232 |
| Cash dividends to net income (ytd only)* | 44.6301% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 2,190 |
| Loan loss allowance to noncurrent loans | 75.6166% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 2.3953% | 1,450 |
| Noncurrent loans to loans | 2.3272% | 1,652 |
| Net loans and leases to total assets | 48.3272% | 5,259 |
| Net loans and leases to deposits | 56.6412% | 5,244 |
| Net loans and leases to core deposits | 59.1292% | 5,292 |
| Total domestic deposits to total assets | 85.3216% | 3,585 |
| Equity capital to assets | 14.1249% | 867 |
| Core capital (leverage) ratio | 15.6648% | 515 |
| Tier 1 risk-based capital ratio | 29.3483% | 531 |
| Total risk-based capital ratio | 30.6022% | 523 |
| Memoranda: | ||
| Average total assets | $119,985,200 | 4,277 |
| Average earning assets | $107,047,600 | 4,337 |
| Average equity | $18,169,600 | 3,393 |
| Average total loans | $62,079,600 | 4,542 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 2,124 |
| Cost of funding earning assets | 0.7609% | 1,539 |
| Net interest margin | 3.7681% | 2,768 |
| Noninterest income to average assets | 0.5266% | 3,616 |
| Noninterest expense to average assets | 2.4964% | 4,733 |
| Loan and lease loss provision to assets | 0.2241% | 1,619 |
| Net operating income to assets | 0.8240% | 3,230 |
| Return on assets (ROA) | 0.8549% | 3,185 |
| Pretax return on assets | 1.2303% | 2,583 |
| Return on Equity (ROE) | 5.5485% | 4,442 |
| Retained earnings to average equity (ytd only) | 4.6395% | 3,369 |
| Net charge-offs to loans | 0.2202% | 2,494 |
| Credit loss provision to net charge-offs | 194.1748% | 1,245 |
| Earnings coverage of net charge-offs (x) | 12.2136% | 2,161 |
| Efficiency ratio | 63.9128% | 4,809 |
| Assets per employee ($millions) | 4.9319% | 2,259 |
| Cash dividends to net income (ytd only)* | 16.3824% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9080% | 1,983 |
| Loan loss allowance to noncurrent loans | 70.1626% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 2.4957% | 1,543 |
| Noncurrent loans to loans | 2.7194% | 1,552 |
| Net loans and leases to total assets | 54.3362% | 4,555 |
| Net loans and leases to deposits | 64.6155% | 4,449 |
| Net loans and leases to core deposits | 67.6366% | 4,559 |
| Total domestic deposits to total assets | 84.0916% | 4,152 |
| Equity capital to assets | 15.3035% | 658 |
| Core capital (leverage) ratio | 15.9498% | 497 |
| Tier 1 risk-based capital ratio | 29.0006% | 568 |
| Total risk-based capital ratio | 30.2573% | 557 |
| Memoranda: | ||
| Average total assets | $118,993,750 | 4,339 |
| Average earning assets | $106,718,500 | 4,388 |
| Average equity | $18,335,000 | 3,398 |
| Average total loans | $62,355,750 | 4,571 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 2,126 |
| Cost of funding earning assets | 0.7914% | 1,460 |
| Net interest margin | 3.7269% | 2,863 |
| Noninterest income to average assets | 0.5017% | 3,819 |
| Noninterest expense to average assets | 2.5402% | 4,592 |
| Loan and lease loss provision to assets | 0.2097% | 1,806 |
| Net operating income to assets | 0.7496% | 3,570 |
| Return on assets (ROA) | 0.7919% | 3,498 |
| Pretax return on assets | 1.1308% | 2,969 |
| Return on Equity (ROE) | 5.1280% | 4,655 |
| Retained earnings to average equity (ytd only) | 3.7700% | 3,897 |
| Net charge-offs to loans | 0.2056% | 2,526 |
| Credit loss provision to net charge-offs | 198.4127% | 1,203 |
| Earnings coverage of net charge-offs (x) | 12.1111% | 2,004 |
| Efficiency ratio | 66.4910% | 4,452 |
| Assets per employee ($millions) | 5.0265% | 2,083 |
| Cash dividends to net income (ytd only)* | 26.4831% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 2,236 |
| Loan loss allowance to noncurrent loans | 87.9335% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 2.2174% | 1,946 |
| Noncurrent loans to loans | 2.1133% | 2,268 |
| Net loans and leases to total assets | 53.2789% | 4,700 |
| Net loans and leases to deposits | 62.9486% | 4,631 |
| Net loans and leases to core deposits | 65.2299% | 4,774 |
| Total domestic deposits to total assets | 84.6388% | 4,066 |
| Equity capital to assets | 14.7627% | 769 |
| Core capital (leverage) ratio | 15.4155% | 541 |
| Tier 1 risk-based capital ratio | 28.8011% | 586 |
| Total risk-based capital ratio | 30.0578% | 572 |
| Memoranda: | ||
| Average total assets | $119,203,330 | 4,367 |
| Average earning assets | $106,146,330 | 4,429 |
| Average equity | $18,408,670 | 3,407 |
| Average total loans | $61,285,670 | 4,631 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 2,409 |
| Cost of funding earning assets | 0.8206% | 1,415 |
| Net interest margin | 3.6130% | 3,205 |
| Noninterest income to average assets | 0.5098% | 3,712 |
| Noninterest expense to average assets | 2.6096% | 4,374 |
| Loan and lease loss provision to assets | 0.2532% | 1,415 |
| Net operating income to assets | 0.6185% | 4,127 |
| Return on assets (ROA) | 0.6549% | 4,087 |
| Pretax return on assets | 0.9081% | 3,725 |
| Return on Equity (ROE) | 4.1478% | 5,017 |
| Retained earnings to average equity (ytd only) | 4.1478% | 3,730 |
| Net charge-offs to loans | 0.4528% | 1,319 |
| Credit loss provision to net charge-offs | 111.9403% | 1,675 |
| Earnings coverage of net charge-offs (x) | 4.9104% | 2,452 |
| Efficiency ratio | 70.1452% | 3,944 |
| Assets per employee ($millions) | 5.0693% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9437% | 2,188 |
| Loan loss allowance to noncurrent loans | 64.8800% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 2.4247% | 1,910 |
| Noncurrent loans to loans | 2.9958% | 1,675 |
| Net loans and leases to total assets | 48.1839% | 5,208 |
| Net loans and leases to deposits | 57.3119% | 5,105 |
| Net loans and leases to core deposits | 59.4441% | 5,199 |
| Total domestic deposits to total assets | 84.0732% | 4,441 |
| Equity capital to assets | 15.3350% | 675 |
| Core capital (leverage) ratio | 15.2928% | 546 |
| Tier 1 risk-based capital ratio | 30.8013% | 497 |
| Total risk-based capital ratio | 32.0598% | 488 |
| Memoranda: | ||
| Average total assets | $118,487,500 | 4,428 |
| Average earning assets | $105,287,000 | 4,487 |
| Average equity | $18,708,500 | 3,422 |
| Average total loans | $59,183,500 | 4,731 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0407% | 1,457 |
| Cost of funding earning assets | 0.9488% | 1,651 |
| Net interest margin | 4.0919% | 2,036 |
| Noninterest income to average assets | 0.5775% | 3,398 |
| Noninterest expense to average assets | 2.8926% | 3,669 |
| Loan and lease loss provision to assets | 0.2332% | 2,802 |
| Net operating income to assets | 0.8306% | 3,137 |
| Return on assets (ROA) | 0.9701% | 2,692 |
| Pretax return on assets | 1.3848% | 2,093 |
| Return on Equity (ROE) | 6.1714% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.4795% | 3,766 |
| Net charge-offs to loans | 0.6348% | 1,848 |
| Credit loss provision to net charge-offs | 67.2372% | 4,241 |
| Earnings coverage of net charge-offs (x) | 4.0905% | 3,484 |
| Efficiency ratio | 67.0928% | 4,312 |
| Assets per employee ($millions) | 4.8047% | 2,486 |
| Cash dividends to net income (ytd only)* | 43.6189% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9716% | 2,095 |
| Loan loss allowance to noncurrent loans | 63.8827% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 2.6806% | 1,800 |
| Noncurrent loans to loans | 3.0862% | 1,679 |
| Net loans and leases to total assets | 49.8023% | 5,195 |
| Net loans and leases to deposits | 59.9332% | 5,030 |
| Net loans and leases to core deposits | 62.3174% | 5,124 |
| Total domestic deposits to total assets | 83.0963% | 4,681 |
| Equity capital to assets | 16.2689% | 504 |
| Core capital (leverage) ratio | 15.7800% | 477 |
| Tier 1 risk-based capital ratio | 30.6275% | 490 |
| Total risk-based capital ratio | 31.8855% | 482 |
| Memoranda: | ||
| Average total assets | $117,920,800 | 4,403 |
| Average earning assets | $107,604,000 | 4,405 |
| Average equity | $18,537,000 | 3,397 |
| Average total loans | $64,430,800 | 4,560 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 1,899 |
| Cost of funding earning assets | 0.9704% | 1,736 |
| Net interest margin | 3.9599% | 2,666 |
| Noninterest income to average assets | 0.5825% | 3,395 |
| Noninterest expense to average assets | 2.4479% | 5,246 |
| Loan and lease loss provision to assets | 0.2530% | 2,545 |
| Net operating income to assets | 1.0259% | 2,384 |
| Return on assets (ROA) | 1.1728% | 2,014 |
| Pretax return on assets | 1.7485% | 1,163 |
| Return on Equity (ROE) | 7.5245% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.6228% | 2,317 |
| Net charge-offs to loans | 0.5929% | 1,852 |
| Credit loss provision to net charge-offs | 76.7918% | 3,713 |
| Earnings coverage of net charge-offs (x) | 5.4095% | 3,036 |
| Efficiency ratio | 57.8682% | 5,811 |
| Assets per employee ($millions) | 4.4669% | 2,966 |
| Cash dividends to net income (ytd only)* | 11.9845% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 2,937 |
| Loan loss allowance to noncurrent loans | 46.3730% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 3.0153% | 1,732 |
| Noncurrent loans to loans | 3.7894% | 1,398 |
| Net loans and leases to total assets | 58.7756% | 3,995 |
| Net loans and leases to deposits | 70.9953% | 3,755 |
| Net loans and leases to core deposits | 73.8566% | 3,989 |
| Total domestic deposits to total assets | 82.7880% | 4,726 |
| Equity capital to assets | 16.4173% | 544 |
| Core capital (leverage) ratio | 15.8667% | 497 |
| Tier 1 risk-based capital ratio | 28.1546% | 646 |
| Total risk-based capital ratio | 29.3927% | 628 |
| Memoranda: | ||
| Average total assets | $118,573,000 | 4,429 |
| Average earning assets | $109,226,250 | 4,416 |
| Average equity | $18,481,250 | 3,435 |
| Average total loans | $65,892,750 | 4,553 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 2,258 |
| Cost of funding earning assets | 1.0148% | 1,676 |
| Net interest margin | 3.8481% | 3,141 |
| Noninterest income to average assets | 0.5428% | 3,635 |
| Noninterest expense to average assets | 2.5967% | 4,790 |
| Loan and lease loss provision to assets | 0.2513% | 2,568 |
| Net operating income to assets | 0.8163% | 3,322 |
| Return on assets (ROA) | 1.0236% | 2,592 |
| Pretax return on assets | 1.5128% | 1,815 |
| Return on Equity (ROE) | 6.6827% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.3155% | 3,082 |
| Net charge-offs to loans | 0.3401% | 2,659 |
| Credit loss provision to net charge-offs | 136.3636% | 2,014 |
| Earnings coverage of net charge-offs (x) | 7.9182% | 2,392 |
| Efficiency ratio | 64.0231% | 4,898 |
| Assets per employee ($millions) | 4.5423% | 2,825 |
| Cash dividends to net income (ytd only)* | 20.4583% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 2,523 |
| Loan loss allowance to noncurrent loans | 46.5173% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 3.2515% | 1,669 |
| Noncurrent loans to loans | 4.1044% | 1,334 |
| Net loans and leases to total assets | 57.8146% | 4,195 |
| Net loans and leases to deposits | 69.1545% | 4,020 |
| Net loans and leases to core deposits | 72.0471% | 4,290 |
| Total domestic deposits to total assets | 83.6020% | 4,486 |
| Equity capital to assets | 15.7003% | 640 |
| Core capital (leverage) ratio | 15.1721% | 569 |
| Tier 1 risk-based capital ratio | 27.4545% | 688 |
| Total risk-based capital ratio | 28.7132% | 674 |
| Memoranda: | ||
| Average total assets | $119,384,000 | 4,437 |
| Average earning assets | $108,987,670 | 4,434 |
| Average equity | $18,286,000 | 3,457 |
| Average total loans | $64,696,000 | 4,617 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8306% | 2,520 |
| Cost of funding earning assets | 1.0743% | 1,525 |
| Net interest margin | 3.7563% | 3,577 |
| Noninterest income to average assets | 0.4999% | 3,913 |
| Noninterest expense to average assets | 2.5494% | 4,991 |
| Loan and lease loss provision to assets | 0.2499% | 2,463 |
| Net operating income to assets | 0.7713% | 3,520 |
| Return on assets (ROA) | 0.9231% | 3,025 |
| Pretax return on assets | 1.3497% | 2,361 |
| Return on Equity (ROE) | 6.1020% | 4,238 |
| Retained earnings to average equity (ytd only) | 6.1020% | 2,896 |
| Net charge-offs to loans | 0.7069% | 1,413 |
| Credit loss provision to net charge-offs | 68.1818% | 2,951 |
| Earnings coverage of net charge-offs (x) | 3.7545% | 2,761 |
| Efficiency ratio | 64.9406% | 4,750 |
| Assets per employee ($millions) | 4.7252% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9749% | 2,435 |
| Loan loss allowance to noncurrent loans | 60.7853% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 2.4232% | 2,439 |
| Noncurrent loans to loans | 3.2490% | 1,974 |
| Net loans and leases to total assets | 50.6630% | 5,211 |
| Net loans and leases to deposits | 59.9599% | 5,154 |
| Net loans and leases to core deposits | 62.1823% | 5,302 |
| Total domestic deposits to total assets | 84.4947% | 4,275 |
| Equity capital to assets | 14.8280% | 779 |
| Core capital (leverage) ratio | 14.1312% | 770 |
| Tier 1 risk-based capital ratio | 28.5737% | 598 |
| Total risk-based capital ratio | 29.8337% | 588 |
| Memoranda: | ||
| Average total assets | $120,026,000 | 4,450 |
| Average earning assets | $109,468,000 | 4,450 |
| Average equity | $18,158,000 | 3,473 |
| Average total loans | $62,240,000 | 4,727 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5100% | 1,149 |
| Cost of funding earning assets | 1.3166% | 1,403 |
| Net interest margin | 4.1934% | 2,086 |
| Noninterest income to average assets | 0.7551% | 2,313 |
| Noninterest expense to average assets | 3.0193% | 3,527 |
| Loan and lease loss provision to assets | 0.1982% | 4,205 |
| Net operating income to assets | 0.8887% | 2,650 |
| Return on assets (ROA) | 0.9226% | 2,632 |
| Pretax return on assets | 1.4209% | 1,715 |
| Return on Equity (ROE) | 5.7974% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.6800% | 3,594 |
| Net charge-offs to loans | 0.1603% | 4,863 |
| Credit loss provision to net charge-offs | 211.5385% | 1,166 |
| Earnings coverage of net charge-offs (x) | 16.7212% | 1,308 |
| Efficiency ratio | 65.8350% | 4,806 |
| Assets per employee ($millions) | 3.7805% | 4,366 |
| Cash dividends to net income (ytd only)* | 36.5234% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1137% | 1,967 |
| Loan loss allowance to noncurrent loans | 92.0714% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 2.0256% | 2,931 |
| Noncurrent loans to loans | 2.2957% | 2,860 |
| Net loans and leases to total assets | 50.9356% | 5,473 |
| Net loans and leases to deposits | 60.7515% | 5,400 |
| Net loans and leases to core deposits | 62.5052% | 5,596 |
| Total domestic deposits to total assets | 83.8426% | 4,386 |
| Equity capital to assets | 15.4432% | 686 |
| Core capital (leverage) ratio | 15.6724% | 503 |
| Tier 1 risk-based capital ratio | 28.9254% | 572 |
| Total risk-based capital ratio | 30.1865% | 559 |
| Memoranda: | ||
| Average total assets | $110,984,800 | 4,618 |
| Average earning assets | $101,397,200 | 4,600 |
| Average equity | $17,663,000 | 3,479 |
| Average total loans | $64,865,200 | 4,682 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7555% | 767 |
| Cost of funding earning assets | 1.3597% | 1,416 |
| Net interest margin | 4.3959% | 1,419 |
| Noninterest income to average assets | 0.6311% | 2,986 |
| Noninterest expense to average assets | 2.5147% | 5,414 |
| Loan and lease loss provision to assets | 0.3290% | 2,910 |
| Net operating income to assets | 1.2092% | 1,630 |
| Return on assets (ROA) | 1.2549% | 1,607 |
| Pretax return on assets | 1.8775% | 824 |
| Return on Equity (ROE) | 7.8233% | 3,118 |
| Retained earnings to average equity (ytd only) | 6.8739% | 2,037 |
| Net charge-offs to loans | 0.0911% | 5,058 |
| Credit loss provision to net charge-offs | 600.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 38.9990% | 784 |
| Efficiency ratio | 54.0456% | 6,483 |
| Assets per employee ($millions) | 4.1636% | 3,513 |
| Cash dividends to net income (ytd only)* | 12.1357% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 2,187 |
| Loan loss allowance to noncurrent loans | 84.0144% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 2.1367% | 2,990 |
| Noncurrent loans to loans | 2.4469% | 2,827 |
| Net loans and leases to total assets | 59.2494% | 4,280 |
| Net loans and leases to deposits | 71.4667% | 4,072 |
| Net loans and leases to core deposits | 73.6803% | 4,506 |
| Total domestic deposits to total assets | 82.9049% | 4,721 |
| Equity capital to assets | 16.3630% | 576 |
| Core capital (leverage) ratio | 16.0755% | 496 |
| Tier 1 risk-based capital ratio | 27.8905% | 666 |
| Total risk-based capital ratio | 29.1521% | 650 |
| Memoranda: | ||
| Average total assets | $109,431,750 | 4,690 |
| Average earning assets | $100,121,250 | 4,671 |
| Average equity | $17,554,000 | 3,499 |
| Average total loans | $65,835,500 | 4,683 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6782% | 909 |
| Cost of funding earning assets | 1.3823% | 1,492 |
| Net interest margin | 4.2959% | 1,675 |
| Noninterest income to average assets | 0.6732% | 2,693 |
| Noninterest expense to average assets | 2.4365% | 5,735 |
| Loan and lease loss provision to assets | 0.3320% | 2,787 |
| Net operating income to assets | 1.2299% | 1,496 |
| Return on assets (ROA) | 1.2929% | 1,409 |
| Pretax return on assets | 1.9366% | 657 |
| Return on Equity (ROE) | 8.1164% | 2,896 |
| Retained earnings to average equity (ytd only) | 6.6691% | 2,039 |
| Net charge-offs to loans | 0.0645% | 4,995 |
| Credit loss provision to net charge-offs | 857.1429% | 376 |
| Earnings coverage of net charge-offs (x) | 56.1429% | 568 |
| Efficiency ratio | 52.8400% | 6,729 |
| Assets per employee ($millions) | 4.3855% | 3,019 |
| Cash dividends to net income (ytd only)* | 17.8317% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9465% | 2,524 |
| Loan loss allowance to noncurrent loans | 74.8315% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 2.3468% | 2,805 |
| Noncurrent loans to loans | 2.6011% | 2,777 |
| Net loans and leases to total assets | 61.2014% | 4,047 |
| Net loans and leases to deposits | 73.7217% | 3,847 |
| Net loans and leases to core deposits | 76.2309% | 4,285 |
| Total domestic deposits to total assets | 83.0168% | 4,745 |
| Equity capital to assets | 16.2498% | 580 |
| Core capital (leverage) ratio | 15.7028% | 539 |
| Tier 1 risk-based capital ratio | 27.6606% | 685 |
| Total risk-based capital ratio | 28.9212% | 668 |
| Memoranda: | ||
| Average total assets | $108,436,330 | 4,749 |
| Average earning assets | $99,398,000 | 4,722 |
| Average equity | $17,273,670 | 3,532 |
| Average total loans | $65,112,330 | 4,753 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5534% | 1,167 |
| Cost of funding earning assets | 1.4065% | 1,574 |
| Net interest margin | 4.1469% | 2,092 |
| Noninterest income to average assets | 0.6899% | 2,630 |
| Noninterest expense to average assets | 2.5298% | 5,449 |
| Loan and lease loss provision to assets | 0.3338% | 2,559 |
| Net operating income to assets | 1.0963% | 1,853 |
| Return on assets (ROA) | 1.1759% | 1,634 |
| Pretax return on assets | 1.7508% | 897 |
| Return on Equity (ROE) | 7.4577% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.4577% | 1,959 |
| Net charge-offs to loans | -0.0378% | 6,795 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2706% | 6,472 |
| Assets per employee ($millions) | 4.3692% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9707% | 2,493 |
| Loan loss allowance to noncurrent loans | 77.7097% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 2.0187% | 3,296 |
| Noncurrent loans to loans | 2.5360% | 2,946 |
| Net loans and leases to total assets | 57.7885% | 4,674 |
| Net loans and leases to deposits | 69.3157% | 4,463 |
| Net loans and leases to core deposits | 69.5348% | 5,107 |
| Total domestic deposits to total assets | 83.3701% | 4,759 |
| Equity capital to assets | 15.7345% | 618 |
| Core capital (leverage) ratio | 15.3519% | 597 |
| Tier 1 risk-based capital ratio | 22.9247% | 1,093 |
| Total risk-based capital ratio | 24.0349% | 1,095 |
| Memoranda: | ||
| Average total assets | $107,835,500 | 4,795 |
| Average earning assets | $98,966,500 | 4,768 |
| Average equity | $17,002,500 | 3,564 |
| Average total loans | $63,452,500 | 4,852 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9369% | 970 |
| Cost of funding earning assets | 1.5536% | 2,338 |
| Net interest margin | 4.3833% | 1,541 |
| Noninterest income to average assets | 0.6980% | 2,851 |
| Noninterest expense to average assets | 2.9630% | 3,988 |
| Loan and lease loss provision to assets | 0.2865% | 4,509 |
| Net operating income to assets | 1.0559% | 1,851 |
| Return on assets (ROA) | 1.1201% | 1,725 |
| Pretax return on assets | 1.6109% | 1,102 |
| Return on Equity (ROE) | 6.9841% | 3,133 |
| Retained earnings to average equity (ytd only) | 4.7573% | 2,573 |
| Net charge-offs to loans | 0.2461% | 4,817 |
| Credit loss provision to net charge-offs | 186.3354% | 1,751 |
| Earnings coverage of net charge-offs (x) | 11.7453% | 1,580 |
| Efficiency ratio | 62.1346% | 5,706 |
| Assets per employee ($millions) | 4.2576% | 3,282 |
| Cash dividends to net income (ytd only)* | 31.8841% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8764% | 2,625 |
| Loan loss allowance to noncurrent loans | 70.6627% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 2.1017% | 3,216 |
| Noncurrent loans to loans | 2.6554% | 2,861 |
| Net loans and leases to total assets | 57.6287% | 5,077 |
| Net loans and leases to deposits | 69.2114% | 4,923 |
| Net loans and leases to core deposits | 74.3047% | 4,941 |
| Total domestic deposits to total assets | 83.2648% | 4,688 |
| Equity capital to assets | 15.8005% | 621 |
| Core capital (leverage) ratio | 15.3570% | 606 |
| Tier 1 risk-based capital ratio | 27.3098% | 657 |
| Total risk-based capital ratio | 28.5681% | 642 |
| Memoranda: | ||
| Average total assets | $104,725,200 | 4,858 |
| Average earning assets | $97,256,600 | 4,798 |
| Average equity | $16,795,200 | 3,633 |
| Average total loans | $65,421,800 | 4,851 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9876% | 962 |
| Cost of funding earning assets | 1.5742% | 2,535 |
| Net interest margin | 4.4134% | 1,486 |
| Noninterest income to average assets | 0.6993% | 2,819 |
| Noninterest expense to average assets | 2.5312% | 5,599 |
| Loan and lease loss provision to assets | 0.3068% | 4,124 |
| Net operating income to assets | 1.3078% | 1,319 |
| Return on assets (ROA) | 1.3896% | 1,206 |
| Pretax return on assets | 2.0927% | 514 |
| Return on Equity (ROE) | 8.6322% | 2,636 |
| Retained earnings to average equity (ytd only) | 7.6395% | 1,540 |
| Net charge-offs to loans | 0.1633% | 5,014 |
| Credit loss provision to net charge-offs | 296.2963% | 1,081 |
| Earnings coverage of net charge-offs (x) | 21.9747% | 1,114 |
| Efficiency ratio | 52.6596% | 6,919 |
| Assets per employee ($millions) | 4.3897% | 3,096 |
| Cash dividends to net income (ytd only)* | 11.4993% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 3,168 |
| Loan loss allowance to noncurrent loans | 68.8402% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 2.4176% | 2,959 |
| Noncurrent loans to loans | 2.4618% | 3,165 |
| Net loans and leases to total assets | 65.6884% | 3,754 |
| Net loans and leases to deposits | 79.8007% | 3,490 |
| Net loans and leases to core deposits | 88.7766% | 3,269 |
| Total domestic deposits to total assets | 82.3155% | 4,868 |
| Equity capital to assets | 16.6508% | 564 |
| Core capital (leverage) ratio | 16.0325% | 559 |
| Tier 1 risk-based capital ratio | 26.3114% | 751 |
| Total risk-based capital ratio | 27.5696% | 733 |
| Memoranda: | ||
| Average total assets | $104,296,500 | 4,925 |
| Average earning assets | $97,065,500 | 4,861 |
| Average equity | $16,789,500 | 3,684 |
| Average total loans | $66,149,000 | 4,895 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8354% | 1,331 |
| Cost of funding earning assets | 1.5988% | 2,663 |
| Net interest margin | 4.2366% | 2,033 |
| Noninterest income to average assets | 0.7177% | 2,590 |
| Noninterest expense to average assets | 2.4744% | 5,816 |
| Loan and lease loss provision to assets | 0.2886% | 4,083 |
| Net operating income to assets | 1.2672% | 1,386 |
| Return on assets (ROA) | 1.2968% | 1,378 |
| Pretax return on assets | 1.9453% | 678 |
| Return on Equity (ROE) | 8.1506% | 2,830 |
| Retained earnings to average equity (ytd only) | 6.6390% | 1,996 |
| Net charge-offs to loans | 0.2132% | 4,332 |
| Credit loss provision to net charge-offs | 217.3913% | 1,796 |
| Earnings coverage of net charge-offs (x) | 16.4928% | 1,400 |
| Efficiency ratio | 53.0528% | 6,974 |
| Assets per employee ($millions) | 4.3598% | 3,113 |
| Cash dividends to net income (ytd only)* | 18.5460% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 3,316 |
| Loan loss allowance to noncurrent loans | 61.2974% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 2.3634% | 3,053 |
| Noncurrent loans to loans | 2.6600% | 2,979 |
| Net loans and leases to total assets | 64.2886% | 4,202 |
| Net loans and leases to deposits | 77.5927% | 4,064 |
| Net loans and leases to core deposits | 106.9069% | 1,375 |
| Total domestic deposits to total assets | 82.8539% | 4,628 |
| Equity capital to assets | 16.2143% | 639 |
| Core capital (leverage) ratio | 15.6379% | 616 |
| Tier 1 risk-based capital ratio | 26.4282% | 739 |
| Total risk-based capital ratio | 27.6852% | 732 |
| Memoranda: | ||
| Average total assets | $103,944,670 | 4,967 |
| Average earning assets | $96,822,330 | 4,910 |
| Average equity | $16,538,670 | 3,714 |
| Average total loans | $64,733,000 | 4,991 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5826% | 2,229 |
| Cost of funding earning assets | 1.6461% | 2,675 |
| Net interest margin | 3.9365% | 3,164 |
| Noninterest income to average assets | 0.7066% | 2,554 |
| Noninterest expense to average assets | 2.4672% | 5,846 |
| Loan and lease loss provision to assets | 0.2317% | 4,189 |
| Net operating income to assets | 1.1197% | 1,767 |
| Return on assets (ROA) | 1.1197% | 1,850 |
| Pretax return on assets | 1.6641% | 1,133 |
| Return on Equity (ROE) | 7.1057% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.1057% | 2,088 |
| Net charge-offs to loans | -0.0191% | 7,066 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5487% | 6,690 |
| Assets per employee ($millions) | 4.3601% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 2,974 |
| Loan loss allowance to noncurrent loans | 62.9736% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 2.2935% | 3,157 |
| Noncurrent loans to loans | 2.7386% | 2,913 |
| Net loans and leases to total assets | 59.7383% | 5,161 |
| Net loans and leases to deposits | 71.6708% | 5,095 |
| Net loans and leases to core deposits | 75.9803% | 5,260 |
| Total domestic deposits to total assets | 83.3510% | 4,454 |
| Equity capital to assets | 15.7994% | 701 |
| Core capital (leverage) ratio | 15.4450% | 662 |
| Tier 1 risk-based capital ratio | 26.5807% | 733 |
| Total risk-based capital ratio | 27.8375% | 718 |
| Memoranda: | ||
| Average total assets | $103,599,000 | 5,041 |
| Average earning assets | $96,227,000 | 4,979 |
| Average equity | $16,325,000 | 3,775 |
| Average total loans | $62,907,500 | 5,137 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6759% | 490 |
| Cost of funding earning assets | 2.1373% | 2,295 |
| Net interest margin | 4.5386% | 1,100 |
| Noninterest income to average assets | 0.5849% | 3,752 |
| Noninterest expense to average assets | 3.0119% | 4,100 |
| Loan and lease loss provision to assets | 0.7028% | 3,013 |
| Net operating income to assets | 0.7699% | 2,636 |
| Return on assets (ROA) | 0.9034% | 2,232 |
| Pretax return on assets | 1.2857% | 1,735 |
| Return on Equity (ROE) | 5.7013% | 3,335 |
| Retained earnings to average equity (ytd only) | 3.3811% | 2,800 |
| Net charge-offs to loans | 1.2525% | 1,972 |
| Credit loss provision to net charge-offs | 88.3807% | 6,054 |
| Earnings coverage of net charge-offs (x) | 2.2608% | 4,028 |
| Efficiency ratio | 62.6201% | 6,034 |
| Assets per employee ($millions) | 4.2731% | 3,311 |
| Cash dividends to net income (ytd only)* | 40.6964% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6622% | 3,038 |
| Loan loss allowance to noncurrent loans | 62.8571% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.2515% | 3,065 |
| Noncurrent loans to loans | 2.6444% | 2,908 |
| Net loans and leases to total assets | 59.6480% | 5,387 |
| Net loans and leases to deposits | 71.5562% | 5,397 |
| Net loans and leases to core deposits | 102.9520% | 3,692 |
| Total domestic deposits to total assets | 83.3582% | 4,353 |
| Equity capital to assets | 15.7155% | 741 |
| Core capital (leverage) ratio | 15.5124% | 692 |
| Tier 1 risk-based capital ratio | 25.7932% | 774 |
| Total risk-based capital ratio | 27.0484% | 767 |
| Memoranda: | ||
| Average total assets | $101,731,000 | 5,049 |
| Average earning assets | $94,698,800 | 4,987 |
| Average equity | $16,119,200 | 3,849 |
| Average total loans | $64,593,200 | 5,081 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8001% | 415 |
| Cost of funding earning assets | 2.2404% | 2,230 |
| Net interest margin | 4.5596% | 1,059 |
| Noninterest income to average assets | 0.5792% | 3,860 |
| Noninterest expense to average assets | 2.6134% | 5,668 |
| Loan and lease loss provision to assets | 0.5187% | 3,309 |
| Net operating income to assets | 1.1285% | 1,643 |
| Return on assets (ROA) | 1.2542% | 1,398 |
| Pretax return on assets | 1.8951% | 664 |
| Return on Equity (ROE) | 7.8990% | 2,683 |
| Retained earnings to average equity (ytd only) | 6.8651% | 1,563 |
| Net charge-offs to loans | 0.2311% | 4,611 |
| Credit loss provision to net charge-offs | 349.5575% | 1,173 |
| Earnings coverage of net charge-offs (x) | 14.9826% | 1,559 |
| Efficiency ratio | 54.0320% | 7,232 |
| Assets per employee ($millions) | 4.1965% | 3,384 |
| Cash dividends to net income (ytd only)* | 13.0888% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0716% | 1,642 |
| Loan loss allowance to noncurrent loans | 124.8893% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 1.2242% | 4,621 |
| Noncurrent loans to loans | 1.6588% | 4,152 |
| Net loans and leases to total assets | 66.1782% | 4,391 |
| Net loans and leases to deposits | 80.3598% | 4,327 |
| Net loans and leases to core deposits | 119.9403% | 2,250 |
| Total domestic deposits to total assets | 82.3524% | 4,524 |
| Equity capital to assets | 16.4989% | 706 |
| Core capital (leverage) ratio | 15.5330% | 754 |
| Tier 1 risk-based capital ratio | 25.1855% | 876 |
| Total risk-based capital ratio | 26.4480% | 855 |
| Memoranda: | ||
| Average total assets | $101,525,000 | 5,079 |
| Average earning assets | $94,800,500 | 5,013 |
| Average equity | $16,119,750 | 3,883 |
| Average total loans | $65,190,000 | 5,100 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7650% | 481 |
| Cost of funding earning assets | 2.3176% | 2,288 |
| Net interest margin | 4.4474% | 1,297 |
| Noninterest income to average assets | 0.5658% | 3,923 |
| Noninterest expense to average assets | 2.6524% | 5,550 |
| Loan and lease loss provision to assets | 0.1768% | 5,278 |
| Net operating income to assets | 1.2374% | 1,388 |
| Return on assets (ROA) | 1.3321% | 1,228 |
| Pretax return on assets | 2.0198% | 534 |
| Return on Equity (ROE) | 8.4994% | 2,572 |
| Retained earnings to average equity (ytd only) | 6.9324% | 1,608 |
| Net charge-offs to loans | 0.1432% | 4,741 |
| Credit loss provision to net charge-offs | 195.6522% | 2,337 |
| Earnings coverage of net charge-offs (x) | 22.7174% | 1,212 |
| Efficiency ratio | 56.3674% | 7,070 |
| Assets per employee ($millions) | 4.3198% | 3,078 |
| Cash dividends to net income (ytd only)* | 18.4366% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 2,316 |
| Loan loss allowance to noncurrent loans | 105.2065% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.1430% | 4,661 |
| Noncurrent loans to loans | 1.6232% | 4,061 |
| Net loans and leases to total assets | 65.0678% | 4,752 |
| Net loans and leases to deposits | 78.6538% | 4,756 |
| Net loans and leases to core deposits | 118.8537% | 2,471 |
| Total domestic deposits to total assets | 82.7268% | 4,373 |
| Equity capital to assets | 15.5042% | 930 |
| Core capital (leverage) ratio | 15.1346% | 889 |
| Tier 1 risk-based capital ratio | 24.3334% | 996 |
| Total risk-based capital ratio | 25.5904% | 981 |
| Memoranda: | ||
| Average total assets | $101,794,670 | 5,110 |
| Average earning assets | $94,753,000 | 5,049 |
| Average equity | $15,954,000 | 3,932 |
| Average total loans | $64,232,670 | 5,168 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7114% | 569 |
| Cost of funding earning assets | 2.4868% | 1,967 |
| Net interest margin | 4.2246% | 1,820 |
| Noninterest income to average assets | 0.5354% | 4,019 |
| Noninterest expense to average assets | 2.8159% | 4,494 |
| Loan and lease loss provision to assets | 0.1785% | 4,674 |
| Net operating income to assets | 0.9767% | 2,408 |
| Return on assets (ROA) | 1.0352% | 2,314 |
| Pretax return on assets | 1.5428% | 1,549 |
| Return on Equity (ROE) | 6.5685% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.5685% | 2,389 |
| Net charge-offs to loans | 0.2450% | 3,173 |
| Credit loss provision to net charge-offs | 118.4211% | 3,305 |
| Earnings coverage of net charge-offs (x) | 10.8421% | 1,914 |
| Efficiency ratio | 63.2799% | 5,816 |
| Assets per employee ($millions) | 4.2878% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 1,896 |
| Loan loss allowance to noncurrent loans | 195.0172% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 5,586 |
| Noncurrent loans to loans | 0.9137% | 5,175 |
| Net loans and leases to total assets | 60.7982% | 5,537 |
| Net loans and leases to deposits | 72.9451% | 5,622 |
| Net loans and leases to core deposits | 109.4195% | 3,508 |
| Total domestic deposits to total assets | 83.3479% | 3,981 |
| Equity capital to assets | 15.5035% | 965 |
| Core capital (leverage) ratio | 15.2919% | 903 |
| Tier 1 risk-based capital ratio | 24.8886% | 993 |
| Total risk-based capital ratio | 26.1459% | 964 |
| Memoranda: | ||
| Average total assets | $100,854,500 | 5,157 |
| Average earning assets | $93,453,000 | 5,104 |
| Average equity | $15,894,000 | 3,965 |
| Average total loans | $62,033,500 | 5,288 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5395% | 385 |
| Cost of funding earning assets | 3.0143% | 1,821 |
| Net interest margin | 4.5252% | 1,359 |
| Noninterest income to average assets | 0.6320% | 3,617 |
| Noninterest expense to average assets | 2.9940% | 4,099 |
| Loan and lease loss provision to assets | 0.1661% | 5,259 |
| Net operating income to assets | 1.1458% | 1,967 |
| Return on assets (ROA) | 1.1533% | 1,856 |
| Pretax return on assets | 1.6937% | 1,158 |
| Return on Equity (ROE) | 7.4799% | 3,291 |
| Retained earnings to average equity (ytd only) | 5.0388% | 2,006 |
| Net charge-offs to loans | 0.3428% | 3,116 |
| Credit loss provision to net charge-offs | 76.3889% | 5,970 |
| Earnings coverage of net charge-offs (x) | 8.5046% | 2,869 |
| Efficiency ratio | 61.8246% | 5,989 |
| Assets per employee ($millions) | 4.1168% | 3,280 |
| Cash dividends to net income (ytd only)* | 32.6353% | 4,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8686% | 1,491 |
| Loan loss allowance to noncurrent loans | 118.2390% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.1174% | 4,042 |
| Noncurrent loans to loans | 1.5803% | 3,408 |
| Net loans and leases to total assets | 59.9567% | 5,912 |
| Net loans and leases to deposits | 72.3857% | 6,011 |
| Net loans and leases to core deposits | 111.9385% | 3,568 |
| Total domestic deposits to total assets | 82.8295% | 3,842 |
| Equity capital to assets | 16.0258% | 925 |
| Core capital (leverage) ratio | 15.4986% | 923 |
| Tier 1 risk-based capital ratio | 25.5593% | 943 |
| Total risk-based capital ratio | 26.8174% | 917 |
| Memoranda: | ||
| Average total assets | $99,366,000 | 5,070 |
| Average earning assets | $92,459,600 | 5,015 |
| Average equity | $15,321,000 | 4,069 |
| Average total loans | $63,005,800 | 5,143 |