Home > Bank of Richmondville > Performance and Condition Ratios
Bank of Richmondville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7066% | 4,270 |
| Cost of funding earning assets | 0.4221% | 4,272 |
| Net interest margin | 3.2845% | 2,672 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.5957% | 2,020 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8558% | 2,686 |
| Return on assets (ROA) | 0.8558% | 2,660 |
| Pretax return on assets | 0.9392% | 2,847 |
| Return on Equity (ROE) | 11.1500% | 2,185 |
| Retained earnings to average equity (ytd only) | 8.3137% | 1,456 |
| Net charge-offs to loans | 0.0274% | 1,766 |
| Credit loss provision to net charge-offs | 568.1818% | 617 |
| Earnings coverage of net charge-offs (x) | 82.4545% | 1,008 |
| Efficiency ratio | 72.0148% | 1,658 |
| Assets per employee ($millions) | 5.2276% | 3,450 |
| Cash dividends to net income (ytd only)* | 25.4061% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6528% | 757 |
| Loan loss allowance to noncurrent loans | 236.4937% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 1,689 |
| Noncurrent loans to loans | 0.6989% | 1,121 |
| Net loans and leases to total assets | 44.2600% | 3,889 |
| Net loans and leases to deposits | 48.6538% | 3,977 |
| Net loans and leases to core deposits | 51.2556% | 4,056 |
| Total domestic deposits to total assets | 90.9600% | 514 |
| Equity capital to assets | 8.8174% | 2,805 |
| Core capital (leverage) ratio | 11.5657% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7834% | 309 |
| Memoranda: | ||
| Average total assets | $179,835,800 | 3,129 |
| Average earning assets | $168,916,600 | 3,105 |
| Average equity | $13,808,600 | 3,362 |
| Average total loans | $80,271,000 | 3,400 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6108% | 4,296 |
| Cost of funding earning assets | 0.3527% | 4,314 |
| Net interest margin | 3.2582% | 2,783 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.5807% | 1,998 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8161% | 2,977 |
| Return on assets (ROA) | 0.8161% | 2,963 |
| Pretax return on assets | 0.8797% | 3,149 |
| Return on Equity (ROE) | 11.0300% | 2,367 |
| Retained earnings to average equity (ytd only) | 8.1640% | 1,899 |
| Net charge-offs to loans | 0.0332% | 1,424 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 1,161 |
| Efficiency ratio | 73.0182% | 1,449 |
| Assets per employee ($millions) | 5.2630% | 3,378 |
| Cash dividends to net income (ytd only)* | 25.9964% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 877 |
| Loan loss allowance to noncurrent loans | 196.8182% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 1,556 |
| Noncurrent loans to loans | 0.8141% | 1,016 |
| Net loans and leases to total assets | 44.5800% | 3,892 |
| Net loans and leases to deposits | 48.0347% | 4,004 |
| Net loans and leases to core deposits | 50.1285% | 4,036 |
| Total domestic deposits to total assets | 92.8100% | 329 |
| Equity capital to assets | 6.9408% | 3,642 |
| Core capital (leverage) ratio | 11.6345% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8608% | 355 |
| Memoranda: | ||
| Average total assets | $180,360,000 | 3,130 |
| Average earning assets | $169,375,750 | 3,107 |
| Average equity | $13,342,750 | 3,391 |
| Average total loans | $80,342,500 | 3,409 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5193% | 4,326 |
| Cost of funding earning assets | 0.2871% | 4,332 |
| Net interest margin | 3.2322% | 2,904 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.5958% | 1,941 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8030% | 3,070 |
| Return on assets (ROA) | 0.8030% | 3,079 |
| Pretax return on assets | 0.8759% | 3,226 |
| Return on Equity (ROE) | 10.6400% | 2,521 |
| Retained earnings to average equity (ytd only) | 7.8240% | 2,029 |
| Net charge-offs to loans | 0.0325% | 1,245 |
| Credit loss provision to net charge-offs | 538.4615% | 623 |
| Earnings coverage of net charge-offs (x) | 66.3077% | 1,138 |
| Efficiency ratio | 73.1380% | 1,446 |
| Assets per employee ($millions) | 5.1544% | 3,451 |
| Cash dividends to net income (ytd only)* | 26.4463% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 969 |
| Loan loss allowance to noncurrent loans | 173.8420% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 1,309 |
| Noncurrent loans to loans | 0.9081% | 842 |
| Net loans and leases to total assets | 44.1000% | 3,871 |
| Net loans and leases to deposits | 48.8621% | 3,958 |
| Net loans and leases to core deposits | 51.2465% | 3,977 |
| Total domestic deposits to total assets | 90.2400% | 860 |
| Equity capital to assets | 7.6217% | 3,455 |
| Core capital (leverage) ratio | 11.2392% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6808% | 364 |
| Memoranda: | ||
| Average total assets | $180,833,000 | 3,132 |
| Average earning assets | $169,974,667 | 3,106 |
| Average equity | $13,650,333 | 3,385 |
| Average total loans | $80,098,333 | 3,414 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4715% | 4,295 |
| Cost of funding earning assets | 0.2021% | 4,374 |
| Net interest margin | 3.2693% | 2,952 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.6071% | 1,936 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.7976% | 3,195 |
| Return on assets (ROA) | 0.7976% | 3,150 |
| Pretax return on assets | 0.8506% | 3,347 |
| Return on Equity (ROE) | 10.6200% | 2,600 |
| Retained earnings to average equity (ytd only) | 7.7938% | 2,282 |
| Net charge-offs to loans | -0.0050% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9812% | 1,343 |
| Assets per employee ($millions) | 5.2147% | 3,493 |
| Cash dividends to net income (ytd only)* | 26.5928% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 1,064 |
| Loan loss allowance to noncurrent loans | 302.6634% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 1,988 |
| Noncurrent loans to loans | 0.5200% | 1,421 |
| Net loans and leases to total assets | 42.8400% | 3,918 |
| Net loans and leases to deposits | 46.5773% | 4,015 |
| Net loans and leases to core deposits | 48.7918% | 4,028 |
| Total domestic deposits to total assets | 91.9700% | 523 |
| Equity capital to assets | 7.8181% | 3,373 |
| Core capital (leverage) ratio | 11.1138% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3694% | 381 |
| Memoranda: | ||
| Average total assets | $181,047,000 | 3,167 |
| Average earning assets | $170,187,000 | 3,142 |
| Average equity | $13,600,500 | 3,427 |
| Average total loans | $79,734,500 | 3,453 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8263% | 4,301 |
| Cost of funding earning assets | 0.1366% | 4,194 |
| Net interest margin | 2.6897% | 4,072 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 2.2134% | 2,993 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.0915% | 2,215 |
| Return on assets (ROA) | 1.0712% | 2,232 |
| Pretax return on assets | 1.1612% | 2,562 |
| Return on Equity (ROE) | 14.8000% | 1,311 |
| Retained earnings to average equity (ytd only) | 12.0122% | 665 |
| Net charge-offs to loans | 0.0624% | 1,026 |
| Credit loss provision to net charge-offs | 470.5882% | 708 |
| Earnings coverage of net charge-offs (x) | 48.7647% | 1,380 |
| Efficiency ratio | 62.8251% | 2,653 |
| Assets per employee ($millions) | 5.2818% | 3,440 |
| Cash dividends to net income (ytd only)* | 18.8299% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,134 |
| Loan loss allowance to noncurrent loans | 250.3080% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 1,801 |
| Noncurrent loans to loans | 0.6085% | 1,229 |
| Net loans and leases to total assets | 43.8900% | 3,900 |
| Net loans and leases to deposits | 47.3877% | 3,995 |
| Net loans and leases to core deposits | 49.6579% | 3,991 |
| Total domestic deposits to total assets | 92.6200% | 486 |
| Equity capital to assets | 7.2012% | 3,552 |
| Core capital (leverage) ratio | 10.4328% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2749% | 404 |
| Memoranda: | ||
| Average total assets | $189,888,400 | 3,103 |
| Average earning assets | $180,055,600 | 3,062 |
| Average equity | $13,744,400 | 3,497 |
| Average total loans | $81,704,800 | 3,391 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6474% | 4,347 |
| Cost of funding earning assets | 0.1268% | 4,059 |
| Net interest margin | 2.5206% | 4,194 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.1441% | 3,092 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.5522% | 3,965 |
| Return on assets (ROA) | 0.5251% | 3,967 |
| Pretax return on assets | 0.5653% | 4,046 |
| Return on Equity (ROE) | 7.2500% | 3,533 |
| Retained earnings to average equity (ytd only) | 4.6172% | 3,235 |
| Net charge-offs to loans | 0.0731% | 784 |
| Credit loss provision to net charge-offs | 333.3333% | 763 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,668 |
| Efficiency ratio | 75.4326% | 1,124 |
| Assets per employee ($millions) | 5.5670% | 3,156 |
| Cash dividends to net income (ytd only)* | 36.2797% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,628 |
| Loan loss allowance to noncurrent loans | 99.3870% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 882 |
| Noncurrent loans to loans | 1.4024% | 513 |
| Net loans and leases to total assets | 42.4200% | 3,969 |
| Net loans and leases to deposits | 45.2357% | 4,058 |
| Net loans and leases to core deposits | 47.3684% | 4,048 |
| Total domestic deposits to total assets | 93.7800% | 398 |
| Equity capital to assets | 5.7878% | 4,042 |
| Core capital (leverage) ratio | 9.3566% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8777% | 498 |
| Memoranda: | ||
| Average total assets | $192,465,250 | 3,112 |
| Average earning assets | $182,965,250 | 3,070 |
| Average equity | $13,947,500 | 3,519 |
| Average total loans | $82,121,250 | 3,394 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4854% | 4,388 |
| Cost of funding earning assets | 0.1257% | 3,901 |
| Net interest margin | 2.3597% | 4,272 |
| Noninterest income to average assets | 0.3576% | 3,007 |
| Noninterest expense to average assets | 2.0969% | 3,155 |
| Loan and lease loss provision to assets | 0.0672% | 1,409 |
| Net operating income to assets | 0.4030% | 4,101 |
| Return on assets (ROA) | 0.4030% | 4,051 |
| Pretax return on assets | 0.4433% | 4,095 |
| Return on Equity (ROE) | 5.2191% | 3,772 |
| Retained earnings to average equity (ytd only) | 2.7702% | 3,525 |
| Net charge-offs to loans | 0.1263% | 497 |
| Credit loss provision to net charge-offs | 125.0000% | 1,168 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,786 |
| Efficiency ratio | 80.4201% | 912 |
| Assets per employee ($millions) | 6.1825% | 2,579 |
| Cash dividends to net income (ytd only)* | 46.9231% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,401 |
| Loan loss allowance to noncurrent loans | 157.5529% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 1,658 |
| Noncurrent loans to loans | 0.7975% | 1,078 |
| Net loans and leases to total assets | 41.4294% | 4,010 |
| Net loans and leases to deposits | 44.4664% | 4,092 |
| Net loans and leases to core deposits | 46.4556% | 4,104 |
| Total domestic deposits to total assets | 93.1702% | 471 |
| Equity capital to assets | 6.4304% | 4,044 |
| Core capital (leverage) ratio | 8.9871% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4838% | 507 |
| Memoranda: | ||
| Average total assets | $193,528,000 | 3,132 |
| Average earning assets | $184,518,333 | 3,105 |
| Average equity | $14,945,000 | 3,497 |
| Average total loans | $82,351,000 | 3,421 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4207% | 4,354 |
| Cost of funding earning assets | 0.1246% | 3,839 |
| Net interest margin | 2.2961% | 4,243 |
| Noninterest income to average assets | 0.2947% | 3,355 |
| Noninterest expense to average assets | 2.1445% | 2,999 |
| Loan and lease loss provision to assets | 0.0627% | 1,290 |
| Net operating income to assets | 0.2926% | 4,160 |
| Return on assets (ROA) | 0.2926% | 4,132 |
| Pretax return on assets | 0.2822% | 4,209 |
| Return on Equity (ROE) | 3.4877% | 3,999 |
| Retained earnings to average equity (ytd only) | 1.1958% | 3,778 |
| Net charge-offs to loans | 0.0098% | 1,399 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 736 |
| Efficiency ratio | 86.1461% | 730 |
| Assets per employee ($millions) | 5.9954% | 2,818 |
| Cash dividends to net income (ytd only)* | 65.7143% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,330 |
| Loan loss allowance to noncurrent loans | 155.8174% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 1,777 |
| Noncurrent loans to loans | 0.8387% | 1,116 |
| Net loans and leases to total assets | 39.1957% | 4,062 |
| Net loans and leases to deposits | 42.4441% | 4,145 |
| Net loans and leases to core deposits | 44.2980% | 4,148 |
| Total domestic deposits to total assets | 92.3466% | 451 |
| Equity capital to assets | 7.2354% | 4,081 |
| Core capital (leverage) ratio | 9.4461% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6294% | 453 |
| Memoranda: | ||
| Average total assets | $191,372,000 | 3,160 |
| Average earning assets | $182,920,500 | 3,124 |
| Average equity | $16,056,500 | 3,470 |
| Average total loans | $82,023,000 | 3,434 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8108% | 4,189 |
| Cost of funding earning assets | 0.1803% | 3,656 |
| Net interest margin | 2.6305% | 3,999 |
| Noninterest income to average assets | 0.2999% | 3,602 |
| Noninterest expense to average assets | 2.2832% | 2,841 |
| Loan and lease loss provision to assets | 0.0455% | 2,144 |
| Net operating income to assets | 0.4284% | 4,226 |
| Return on assets (ROA) | 0.4319% | 4,261 |
| Pretax return on assets | 0.4911% | 4,273 |
| Return on Equity (ROE) | 4.3877% | 4,132 |
| Retained earnings to average equity (ytd only) | 2.2199% | 3,917 |
| Net charge-offs to loans | 0.1786% | 541 |
| Credit loss provision to net charge-offs | 53.6913% | 2,111 |
| Earnings coverage of net charge-offs (x) | 6.2819% | 2,407 |
| Efficiency ratio | 81.0833% | 742 |
| Assets per employee ($millions) | 5.4212% | 3,332 |
| Cash dividends to net income (ytd only)* | 49.4071% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,676 |
| Loan loss allowance to noncurrent loans | 85.5482% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6730% | 959 |
| Noncurrent loans to loans | 1.4490% | 638 |
| Net loans and leases to total assets | 45.8692% | 3,703 |
| Net loans and leases to deposits | 51.0689% | 3,795 |
| Net loans and leases to core deposits | 53.8052% | 3,765 |
| Total domestic deposits to total assets | 89.8183% | 1,053 |
| Equity capital to assets | 9.7060% | 2,938 |
| Core capital (leverage) ratio | 9.7137% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6984% | 456 |
| Memoranda: | ||
| Average total assets | $175,721,600 | 3,244 |
| Average earning assets | $168,067,800 | 3,205 |
| Average equity | $17,298,200 | 3,437 |
| Average total loans | $83,417,200 | 3,421 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8351% | 4,252 |
| Cost of funding earning assets | 0.1912% | 3,707 |
| Net interest margin | 2.6438% | 4,068 |
| Noninterest income to average assets | 0.3003% | 3,635 |
| Noninterest expense to average assets | 2.3026% | 2,749 |
| Loan and lease loss provision to assets | 0.0612% | 1,768 |
| Net operating income to assets | 0.4205% | 4,344 |
| Return on assets (ROA) | 0.4253% | 4,366 |
| Pretax return on assets | 0.4710% | 4,405 |
| Return on Equity (ROE) | 4.3050% | 4,255 |
| Retained earnings to average equity (ytd only) | 2.1834% | 4,143 |
| Net charge-offs to loans | 0.0766% | 898 |
| Credit loss provision to net charge-offs | 166.6667% | 1,292 |
| Earnings coverage of net charge-offs (x) | 14.3958% | 1,892 |
| Efficiency ratio | 81.3847% | 675 |
| Assets per employee ($millions) | 5.5184% | 3,179 |
| Cash dividends to net income (ytd only)* | 49.2832% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 2,047 |
| Loan loss allowance to noncurrent loans | 124.6968% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 1,409 |
| Noncurrent loans to loans | 1.1182% | 1,000 |
| Net loans and leases to total assets | 43.9184% | 3,958 |
| Net loans and leases to deposits | 48.9261% | 4,067 |
| Net loans and leases to core deposits | 51.5106% | 4,061 |
| Total domestic deposits to total assets | 89.7649% | 883 |
| Equity capital to assets | 9.5081% | 3,358 |
| Core capital (leverage) ratio | 10.1768% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4048% | 462 |
| Memoranda: | ||
| Average total assets | $174,927,000 | 3,288 |
| Average earning assets | $167,329,500 | 3,241 |
| Average equity | $17,281,750 | 3,485 |
| Average total loans | $83,499,000 | 3,468 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8555% | 4,279 |
| Cost of funding earning assets | 0.2035% | 3,715 |
| Net interest margin | 2.6520% | 4,075 |
| Noninterest income to average assets | 0.3037% | 3,617 |
| Noninterest expense to average assets | 2.3404% | 2,642 |
| Loan and lease loss provision to assets | 0.0696% | 1,663 |
| Net operating income to assets | 0.3937% | 4,393 |
| Return on assets (ROA) | 0.4011% | 4,421 |
| Pretax return on assets | 0.4393% | 4,462 |
| Return on Equity (ROE) | 4.0068% | 4,329 |
| Retained earnings to average equity (ytd only) | 1.8876% | 4,143 |
| Net charge-offs to loans | 0.0759% | 896 |
| Credit loss provision to net charge-offs | 187.5000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,695 |
| Efficiency ratio | 82.3745% | 644 |
| Assets per employee ($millions) | 5.3389% | 3,298 |
| Cash dividends to net income (ytd only)* | 52.8902% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 2,092 |
| Loan loss allowance to noncurrent loans | 102.8259% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 1,330 |
| Noncurrent loans to loans | 1.3351% | 877 |
| Net loans and leases to total assets | 45.9982% | 3,905 |
| Net loans and leases to deposits | 51.4115% | 4,025 |
| Net loans and leases to core deposits | 54.1186% | 4,018 |
| Total domestic deposits to total assets | 89.4706% | 1,044 |
| Equity capital to assets | 9.8051% | 3,050 |
| Core capital (leverage) ratio | 10.0652% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8966% | 488 |
| Memoranda: | ||
| Average total assets | $172,533,333 | 3,311 |
| Average earning assets | $165,082,333 | 3,267 |
| Average equity | $17,270,667 | 3,490 |
| Average total loans | $84,295,333 | 3,473 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8890% | 4,274 |
| Cost of funding earning assets | 0.2055% | 3,862 |
| Net interest margin | 2.6835% | 3,997 |
| Noninterest income to average assets | 0.2742% | 3,756 |
| Noninterest expense to average assets | 2.3525% | 2,643 |
| Loan and lease loss provision to assets | 0.0703% | 1,755 |
| Net operating income to assets | 0.3819% | 4,392 |
| Return on assets (ROA) | 0.3819% | 4,419 |
| Pretax return on assets | 0.4218% | 4,459 |
| Return on Equity (ROE) | 3.7757% | 4,328 |
| Retained earnings to average equity (ytd only) | 1.6446% | 4,086 |
| Net charge-offs to loans | 0.1125% | 627 |
| Credit loss provision to net charge-offs | 125.0000% | 1,033 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 1,562 |
| Efficiency ratio | 82.7018% | 661 |
| Assets per employee ($millions) | 5.0419% | 3,613 |
| Cash dividends to net income (ytd only)* | 56.4417% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,426 |
| Loan loss allowance to noncurrent loans | 102.5046% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 1,563 |
| Noncurrent loans to loans | 1.2700% | 1,018 |
| Net loans and leases to total assets | 47.4726% | 3,860 |
| Net loans and leases to deposits | 53.0316% | 4,002 |
| Net loans and leases to core deposits | 55.8006% | 3,988 |
| Total domestic deposits to total assets | 89.5176% | 1,061 |
| Equity capital to assets | 9.6697% | 3,041 |
| Core capital (leverage) ratio | 10.5173% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8960% | 459 |
| Memoranda: | ||
| Average total assets | $170,708,500 | 3,325 |
| Average earning assets | $163,518,000 | 3,275 |
| Average equity | $17,268,500 | 3,493 |
| Average total loans | $85,358,500 | 3,479 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3433% | 4,274 |
| Cost of funding earning assets | 0.2512% | 4,368 |
| Net interest margin | 3.0921% | 3,648 |
| Noninterest income to average assets | 0.3157% | 3,575 |
| Noninterest expense to average assets | 2.5471% | 2,701 |
| Loan and lease loss provision to assets | 0.0852% | 3,307 |
| Net operating income to assets | 0.5629% | 3,862 |
| Return on assets (ROA) | 0.5727% | 3,943 |
| Pretax return on assets | 0.6431% | 3,992 |
| Return on Equity (ROE) | 5.0880% | 3,880 |
| Retained earnings to average equity (ytd only) | 2.9427% | 3,397 |
| Net charge-offs to loans | 0.0023% | 3,318 |
| Credit loss provision to net charge-offs | 6,600.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 555.5000% | 212 |
| Efficiency ratio | 78.0261% | 1,030 |
| Assets per employee ($millions) | 4.7128% | 3,705 |
| Cash dividends to net income (ytd only)* | 42.1646% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,512 |
| Loan loss allowance to noncurrent loans | 88.5576% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 1,367 |
| Noncurrent loans to loans | 1.4457% | 934 |
| Net loans and leases to total assets | 51.3728% | 3,713 |
| Net loans and leases to deposits | 57.9963% | 3,889 |
| Net loans and leases to core deposits | 61.2767% | 3,872 |
| Total domestic deposits to total assets | 88.5795% | 1,177 |
| Equity capital to assets | 10.5930% | 2,595 |
| Core capital (leverage) ratio | 10.5360% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8522% | 450 |
| Memoranda: | ||
| Average total assets | $154,881,000 | 3,343 |
| Average earning assets | $147,699,400 | 3,294 |
| Average equity | $17,433,200 | 3,425 |
| Average total loans | $87,136,600 | 3,452 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4166% | 4,326 |
| Cost of funding earning assets | 0.2581% | 4,483 |
| Net interest margin | 3.1585% | 3,597 |
| Noninterest income to average assets | 0.3194% | 3,575 |
| Noninterest expense to average assets | 2.6016% | 2,524 |
| Loan and lease loss provision to assets | 0.0840% | 3,264 |
| Net operating income to assets | 0.5474% | 3,913 |
| Return on assets (ROA) | 0.5600% | 3,969 |
| Pretax return on assets | 0.6581% | 3,985 |
| Return on Equity (ROE) | 4.8975% | 3,922 |
| Retained earnings to average equity (ytd only) | 2.7625% | 3,624 |
| Net charge-offs to loans | -0.0152% | 4,336 |
| Credit loss provision to net charge-offs | -960.0000% | 3,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1546% | 1,021 |
| Assets per employee ($millions) | 4.8365% | 3,444 |
| Cash dividends to net income (ytd only)* | 43.5938% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,525 |
| Loan loss allowance to noncurrent loans | 106.6468% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 1,894 |
| Noncurrent loans to loans | 1.1505% | 1,317 |
| Net loans and leases to total assets | 52.6262% | 3,919 |
| Net loans and leases to deposits | 59.3778% | 4,099 |
| Net loans and leases to core deposits | 62.7326% | 4,067 |
| Total domestic deposits to total assets | 88.6294% | 928 |
| Equity capital to assets | 10.9626% | 2,425 |
| Core capital (leverage) ratio | 11.1113% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7348% | 472 |
| Memoranda: | ||
| Average total assets | $152,364,000 | 3,357 |
| Average earning assets | $145,171,000 | 3,304 |
| Average equity | $17,423,250 | 3,428 |
| Average total loans | $87,461,250 | 3,462 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5323% | 4,372 |
| Cost of funding earning assets | 0.2679% | 4,569 |
| Net interest margin | 3.2644% | 3,478 |
| Noninterest income to average assets | 0.3371% | 3,456 |
| Noninterest expense to average assets | 2.6547% | 2,505 |
| Loan and lease loss provision to assets | 0.0971% | 3,061 |
| Net operating income to assets | 0.6273% | 3,649 |
| Return on assets (ROA) | 0.6310% | 3,721 |
| Pretax return on assets | 0.6944% | 3,882 |
| Return on Equity (ROE) | 5.4349% | 3,705 |
| Retained earnings to average equity (ytd only) | 3.3097% | 3,267 |
| Net charge-offs to loans | 0.0069% | 2,712 |
| Credit loss provision to net charge-offs | 2,400.0000% | 422 |
| Earnings coverage of net charge-offs (x) | 194.6667% | 466 |
| Efficiency ratio | 77.1250% | 1,144 |
| Assets per employee ($millions) | 4.5716% | 3,693 |
| Cash dividends to net income (ytd only)* | 39.1026% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 2,701 |
| Loan loss allowance to noncurrent loans | 63.8376% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.0461% | 1,125 |
| Noncurrent loans to loans | 1.8251% | 766 |
| Net loans and leases to total assets | 56.6501% | 3,635 |
| Net loans and leases to deposits | 64.2910% | 3,858 |
| Net loans and leases to core deposits | 68.1614% | 3,852 |
| Total domestic deposits to total assets | 88.1151% | 1,118 |
| Equity capital to assets | 11.5252% | 1,954 |
| Core capital (leverage) ratio | 11.2224% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0646% | 496 |
| Memoranda: | ||
| Average total assets | $148,338,333 | 3,386 |
| Average earning assets | $141,099,000 | 3,336 |
| Average equity | $17,222,000 | 3,444 |
| Average total loans | $87,410,333 | 3,465 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 4,450 |
| Cost of funding earning assets | 0.2763% | 4,717 |
| Net interest margin | 3.3881% | 3,326 |
| Noninterest income to average assets | 0.4116% | 3,021 |
| Noninterest expense to average assets | 2.7764% | 2,495 |
| Loan and lease loss provision to assets | 0.0995% | 2,444 |
| Net operating income to assets | 0.6722% | 3,361 |
| Return on assets (ROA) | 0.6796% | 3,405 |
| Pretax return on assets | 0.7625% | 3,515 |
| Return on Equity (ROE) | 5.8308% | 3,379 |
| Retained earnings to average equity (ytd only) | 3.6502% | 2,822 |
| Net charge-offs to loans | 0.0092% | 2,231 |
| Credit loss provision to net charge-offs | 1,800.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 154.5000% | 421 |
| Efficiency ratio | 76.4840% | 1,513 |
| Assets per employee ($millions) | 4.1033% | 3,780 |
| Cash dividends to net income (ytd only)* | 37.3984% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 2,829 |
| Loan loss allowance to noncurrent loans | 75.5271% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8990% | 1,492 |
| Noncurrent loans to loans | 1.5478% | 1,021 |
| Net loans and leases to total assets | 57.4032% | 3,716 |
| Net loans and leases to deposits | 65.8978% | 3,868 |
| Net loans and leases to core deposits | 70.1100% | 3,873 |
| Total domestic deposits to total assets | 87.1094% | 1,514 |
| Equity capital to assets | 11.3979% | 2,526 |
| Core capital (leverage) ratio | 12.0595% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6946% | 515 |
| Memoranda: | ||
| Average total assets | $144,791,000 | 3,400 |
| Average earning assets | $137,541,000 | 3,346 |
| Average equity | $16,876,000 | 3,484 |
| Average total loans | $86,570,000 | 3,467 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 4,709 |
| Cost of funding earning assets | 0.2780% | 4,778 |
| Net interest margin | 3.3929% | 3,771 |
| Noninterest income to average assets | 0.4532% | 2,991 |
| Noninterest expense to average assets | 2.8450% | 2,459 |
| Loan and lease loss provision to assets | 0.1234% | 1,716 |
| Net operating income to assets | 0.6235% | 4,093 |
| Return on assets (ROA) | 0.6254% | 4,147 |
| Pretax return on assets | 0.7090% | 4,192 |
| Return on Equity (ROE) | 5.5828% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.2934% | 3,363 |
| Net charge-offs to loans | 0.2301% | 886 |
| Credit loss provision to net charge-offs | 94.2408% | 2,603 |
| Earnings coverage of net charge-offs (x) | 6.3403% | 2,983 |
| Efficiency ratio | 77.4067% | 1,223 |
| Assets per employee ($millions) | 3.9406% | 3,985 |
| Cash dividends to net income (ytd only)* | 41.0088% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 2,897 |
| Loan loss allowance to noncurrent loans | 67.9047% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.0059% | 1,237 |
| Noncurrent loans to loans | 1.6338% | 854 |
| Net loans and leases to total assets | 60.8845% | 3,514 |
| Net loans and leases to deposits | 70.9182% | 3,599 |
| Net loans and leases to core deposits | 75.7105% | 3,592 |
| Total domestic deposits to total assets | 85.8517% | 2,119 |
| Equity capital to assets | 11.9236% | 2,183 |
| Core capital (leverage) ratio | 11.5124% | 2,102 |
| Tier 1 risk-based capital ratio | 22.3398% | 982 |
| Total risk-based capital ratio | 23.5903% | 961 |
| Memoranda: | ||
| Average total assets | $145,836,800 | 3,350 |
| Average earning assets | $138,493,600 | 3,303 |
| Average equity | $16,335,800 | 3,515 |
| Average total loans | $83,002,800 | 3,541 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6010% | 4,881 |
| Cost of funding earning assets | 0.2687% | 4,879 |
| Net interest margin | 3.3323% | 4,036 |
| Noninterest income to average assets | 0.4604% | 2,957 |
| Noninterest expense to average assets | 2.8113% | 2,533 |
| Loan and lease loss provision to assets | 0.1226% | 1,593 |
| Net operating income to assets | 0.6196% | 4,244 |
| Return on assets (ROA) | 0.6220% | 4,288 |
| Pretax return on assets | 0.6938% | 4,358 |
| Return on Equity (ROE) | 5.6408% | 4,153 |
| Retained earnings to average equity (ytd only) | 3.3845% | 3,710 |
| Net charge-offs to loans | 0.3141% | 551 |
| Credit loss provision to net charge-offs | 69.9482% | 2,621 |
| Earnings coverage of net charge-offs (x) | 4.6424% | 2,987 |
| Efficiency ratio | 77.5551% | 1,149 |
| Assets per employee ($millions) | 4.4984% | 3,210 |
| Cash dividends to net income (ytd only)* | 39.9996% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 2,869 |
| Loan loss allowance to noncurrent loans | 77.0903% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 1,640 |
| Noncurrent loans to loans | 1.4669% | 1,038 |
| Net loans and leases to total assets | 52.7043% | 4,270 |
| Net loans and leases to deposits | 59.5812% | 4,399 |
| Net loans and leases to core deposits | 63.9163% | 4,373 |
| Total domestic deposits to total assets | 88.4579% | 846 |
| Equity capital to assets | 10.9530% | 3,141 |
| Core capital (leverage) ratio | 11.7598% | 2,037 |
| Tier 1 risk-based capital ratio | 23.9111% | 851 |
| Total risk-based capital ratio | 25.1616% | 835 |
| Memoranda: | ||
| Average total assets | $146,830,500 | 3,376 |
| Average earning assets | $139,440,250 | 3,317 |
| Average equity | $16,191,000 | 3,557 |
| Average total loans | $81,918,250 | 3,601 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 4,854 |
| Cost of funding earning assets | 0.2590% | 4,928 |
| Net interest margin | 3.4204% | 3,830 |
| Noninterest income to average assets | 0.4696% | 2,843 |
| Noninterest expense to average assets | 2.8316% | 2,480 |
| Loan and lease loss provision to assets | 0.1243% | 1,497 |
| Net operating income to assets | 0.6672% | 4,107 |
| Return on assets (ROA) | 0.6672% | 4,159 |
| Pretax return on assets | 0.7611% | 4,193 |
| Return on Equity (ROE) | 6.0360% | 4,036 |
| Retained earnings to average equity (ytd only) | 3.7491% | 3,381 |
| Net charge-offs to loans | 0.4266% | 389 |
| Credit loss provision to net charge-offs | 51.4286% | 2,466 |
| Earnings coverage of net charge-offs (x) | 3.6629% | 2,810 |
| Efficiency ratio | 76.1799% | 1,370 |
| Assets per employee ($millions) | 4.1342% | 3,677 |
| Cash dividends to net income (ytd only)* | 37.8882% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 3,051 |
| Loan loss allowance to noncurrent loans | 90.2218% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 1,856 |
| Noncurrent loans to loans | 1.2230% | 1,304 |
| Net loans and leases to total assets | 55.4390% | 4,110 |
| Net loans and leases to deposits | 63.0392% | 4,270 |
| Net loans and leases to core deposits | 67.9278% | 4,208 |
| Total domestic deposits to total assets | 87.9437% | 1,126 |
| Equity capital to assets | 11.4288% | 2,676 |
| Core capital (leverage) ratio | 11.4123% | 2,234 |
| Tier 1 risk-based capital ratio | 23.9001% | 854 |
| Total risk-based capital ratio | 25.1498% | 834 |
| Memoranda: | ||
| Average total assets | $144,792,670 | 3,416 |
| Average earning assets | $137,470,670 | 3,367 |
| Average equity | $16,004,000 | 3,579 |
| Average total loans | $82,047,670 | 3,621 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 4,870 |
| Cost of funding earning assets | 0.2444% | 4,994 |
| Net interest margin | 3.4418% | 3,768 |
| Noninterest income to average assets | 0.4391% | 2,916 |
| Noninterest expense to average assets | 2.8390% | 2,447 |
| Loan and lease loss provision to assets | 0.1243% | 1,408 |
| Net operating income to assets | 0.6656% | 4,041 |
| Return on assets (ROA) | 0.6656% | 4,078 |
| Pretax return on assets | 0.7429% | 4,189 |
| Return on Equity (ROE) | 6.1255% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.8125% | 3,396 |
| Net charge-offs to loans | 0.8629% | 168 |
| Credit loss provision to net charge-offs | 25.2809% | 2,113 |
| Earnings coverage of net charge-offs (x) | 1.7640% | 2,559 |
| Efficiency ratio | 76.6021% | 1,436 |
| Assets per employee ($millions) | 4.3738% | 3,371 |
| Cash dividends to net income (ytd only)* | 37.7593% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 3,465 |
| Loan loss allowance to noncurrent loans | 82.1705% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.7195% | 1,950 |
| Noncurrent loans to loans | 1.2658% | 1,301 |
| Net loans and leases to total assets | 54.2539% | 4,194 |
| Net loans and leases to deposits | 61.1785% | 4,349 |
| Net loans and leases to core deposits | 65.7279% | 4,292 |
| Total domestic deposits to total assets | 88.6813% | 1,005 |
| Equity capital to assets | 10.7202% | 3,144 |
| Core capital (leverage) ratio | 11.6046% | 2,049 |
| Tier 1 risk-based capital ratio | 23.5412% | 883 |
| Total risk-based capital ratio | 24.7918% | 859 |
| Memoranda: | ||
| Average total assets | $144,841,000 | 3,447 |
| Average earning assets | $137,486,000 | 3,404 |
| Average equity | $15,737,500 | 3,610 |
| Average total loans | $82,515,000 | 3,642 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6844% | 4,690 |
| Cost of funding earning assets | 0.2095% | 4,969 |
| Net interest margin | 3.4750% | 3,789 |
| Noninterest income to average assets | 0.3746% | 3,585 |
| Noninterest expense to average assets | 2.8267% | 2,595 |
| Loan and lease loss provision to assets | 0.1197% | 1,847 |
| Net operating income to assets | 0.6486% | 4,290 |
| Return on assets (ROA) | 0.6486% | 4,296 |
| Pretax return on assets | 0.7225% | 4,355 |
| Return on Equity (ROE) | 5.8295% | 4,227 |
| Retained earnings to average equity (ytd only) | 3.4812% | 3,670 |
| Net charge-offs to loans | 0.0875% | 1,903 |
| Credit loss provision to net charge-offs | 229.7297% | 1,283 |
| Earnings coverage of net charge-offs (x) | 16.1622% | 2,268 |
| Efficiency ratio | 77.0441% | 1,231 |
| Assets per employee ($millions) | 4.2719% | 3,507 |
| Cash dividends to net income (ytd only)* | 40.2823% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 2,703 |
| Loan loss allowance to noncurrent loans | 96.7423% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 1,865 |
| Noncurrent loans to loans | 1.2132% | 1,318 |
| Net loans and leases to total assets | 58.5372% | 3,910 |
| Net loans and leases to deposits | 66.2585% | 4,097 |
| Net loans and leases to core deposits | 71.3658% | 4,035 |
| Total domestic deposits to total assets | 88.3466% | 1,140 |
| Equity capital to assets | 11.0185% | 2,671 |
| Core capital (leverage) ratio | 11.4225% | 2,162 |
| Tier 1 risk-based capital ratio | 23.4477% | 865 |
| Total risk-based capital ratio | 24.7004% | 845 |
| Memoranda: | ||
| Average total assets | $142,002,400 | 3,475 |
| Average earning assets | $134,620,200 | 3,431 |
| Average equity | $15,799,000 | 3,531 |
| Average total loans | $84,603,200 | 3,581 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6789% | 4,688 |
| Cost of funding earning assets | 0.2047% | 5,007 |
| Net interest margin | 3.4742% | 3,786 |
| Noninterest income to average assets | 0.3299% | 3,945 |
| Noninterest expense to average assets | 2.8126% | 2,598 |
| Loan and lease loss provision to assets | 0.1172% | 1,736 |
| Net operating income to assets | 0.6120% | 4,469 |
| Return on assets (ROA) | 0.6120% | 4,476 |
| Pretax return on assets | 0.6935% | 4,549 |
| Return on Equity (ROE) | 5.4876% | 4,424 |
| Retained earnings to average equity (ytd only) | 3.1766% | 4,157 |
| Net charge-offs to loans | 0.1178% | 1,331 |
| Credit loss provision to net charge-offs | 166.6667% | 1,591 |
| Earnings coverage of net charge-offs (x) | 11.5330% | 2,505 |
| Efficiency ratio | 77.6255% | 1,155 |
| Assets per employee ($millions) | 4.1736% | 3,608 |
| Cash dividends to net income (ytd only)* | 42.1138% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 3,025 |
| Loan loss allowance to noncurrent loans | 271.5116% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 3,605 |
| Noncurrent loans to loans | 0.4161% | 3,165 |
| Net loans and leases to total assets | 57.5985% | 4,081 |
| Net loans and leases to deposits | 64.7901% | 4,289 |
| Net loans and leases to core deposits | 69.7062% | 4,211 |
| Total domestic deposits to total assets | 88.9002% | 875 |
| Equity capital to assets | 10.5734% | 3,070 |
| Core capital (leverage) ratio | 11.7720% | 1,937 |
| Tier 1 risk-based capital ratio | 23.9653% | 850 |
| Total risk-based capital ratio | 25.2169% | 833 |
| Memoranda: | ||
| Average total assets | $142,260,000 | 3,510 |
| Average earning assets | $134,856,000 | 3,465 |
| Average equity | $15,865,500 | 3,551 |
| Average total loans | $84,878,750 | 3,600 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6598% | 4,664 |
| Cost of funding earning assets | 0.2104% | 4,976 |
| Net interest margin | 3.4494% | 3,801 |
| Noninterest income to average assets | 0.3175% | 4,054 |
| Noninterest expense to average assets | 2.8459% | 2,516 |
| Loan and lease loss provision to assets | 0.1124% | 1,762 |
| Net operating income to assets | 0.5801% | 4,565 |
| Return on assets (ROA) | 0.5801% | 4,558 |
| Pretax return on assets | 0.6293% | 4,684 |
| Return on Equity (ROE) | 5.1137% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.8726% | 4,101 |
| Net charge-offs to loans | 0.1659% | 937 |
| Credit loss provision to net charge-offs | 112.6761% | 1,863 |
| Earnings coverage of net charge-offs (x) | 7.4366% | 2,545 |
| Efficiency ratio | 79.3265% | 1,082 |
| Assets per employee ($millions) | 4.1565% | 3,644 |
| Cash dividends to net income (ytd only)* | 43.8257% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 3,471 |
| Loan loss allowance to noncurrent loans | 223.2500% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 3,320 |
| Noncurrent loans to loans | 0.4757% | 3,008 |
| Net loans and leases to total assets | 58.8664% | 3,914 |
| Net loans and leases to deposits | 66.8096% | 4,117 |
| Net loans and leases to core deposits | 71.9363% | 4,012 |
| Total domestic deposits to total assets | 88.1107% | 1,319 |
| Equity capital to assets | 11.3551% | 2,309 |
| Core capital (leverage) ratio | 12.0989% | 1,652 |
| Tier 1 risk-based capital ratio | 24.8022% | 751 |
| Total risk-based capital ratio | 26.0526% | 733 |
| Memoranda: | ||
| Average total assets | $142,379,000 | 3,539 |
| Average earning assets | $134,981,670 | 3,491 |
| Average equity | $16,152,670 | 3,540 |
| Average total loans | $85,615,670 | 3,613 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 4,694 |
| Cost of funding earning assets | 0.2301% | 4,834 |
| Net interest margin | 3.3754% | 3,964 |
| Noninterest income to average assets | 0.3555% | 3,770 |
| Noninterest expense to average assets | 2.8186% | 2,636 |
| Loan and lease loss provision to assets | 0.0980% | 1,882 |
| Net operating income to assets | 0.6130% | 4,387 |
| Return on assets (ROA) | 0.6130% | 4,393 |
| Pretax return on assets | 0.6410% | 4,587 |
| Return on Equity (ROE) | 5.4056% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.1841% | 3,930 |
| Net charge-offs to loans | 0.0139% | 2,266 |
| Credit loss provision to net charge-offs | 1,166.6667% | 304 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 662 |
| Efficiency ratio | 79.2290% | 1,231 |
| Assets per employee ($millions) | 4.1097% | 3,790 |
| Cash dividends to net income (ytd only)* | 41.0959% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,538 |
| Loan loss allowance to noncurrent loans | 147.2669% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 2,981 |
| Noncurrent loans to loans | 0.7281% | 2,391 |
| Net loans and leases to total assets | 58.7553% | 3,877 |
| Net loans and leases to deposits | 66.4881% | 4,053 |
| Net loans and leases to core deposits | 71.6291% | 3,995 |
| Total domestic deposits to total assets | 88.3696% | 1,426 |
| Equity capital to assets | 11.1375% | 2,444 |
| Core capital (leverage) ratio | 12.0656% | 1,614 |
| Tier 1 risk-based capital ratio | 24.5207% | 792 |
| Total risk-based capital ratio | 25.7716% | 770 |
| Memoranda: | ||
| Average total assets | $142,908,500 | 3,561 |
| Average earning assets | $135,570,500 | 3,513 |
| Average equity | $16,205,500 | 3,562 |
| Average total loans | $86,382,000 | 3,625 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5543% | 4,687 |
| Cost of funding earning assets | 0.2040% | 4,915 |
| Net interest margin | 3.3503% | 4,009 |
| Noninterest income to average assets | 0.3333% | 4,079 |
| Noninterest expense to average assets | 2.7327% | 3,021 |
| Loan and lease loss provision to assets | 0.1580% | 1,423 |
| Net operating income to assets | 0.5361% | 4,274 |
| Return on assets (ROA) | 0.5414% | 4,289 |
| Pretax return on assets | 0.6367% | 4,659 |
| Return on Equity (ROE) | 4.7474% | 4,273 |
| Retained earnings to average equity (ytd only) | 2.4896% | 3,837 |
| Net charge-offs to loans | 0.4682% | 507 |
| Credit loss provision to net charge-offs | 56.7500% | 3,253 |
| Earnings coverage of net charge-offs (x) | 2.8325% | 3,693 |
| Efficiency ratio | 77.6087% | 1,408 |
| Assets per employee ($millions) | 4.1758% | 3,696 |
| Cash dividends to net income (ytd only)* | 47.5578% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 3,864 |
| Loan loss allowance to noncurrent loans | 115.7068% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 2,764 |
| Noncurrent loans to loans | 0.8748% | 2,037 |
| Net loans and leases to total assets | 60.8904% | 3,742 |
| Net loans and leases to deposits | 73.0531% | 3,594 |
| Net loans and leases to core deposits | 79.1422% | 3,495 |
| Total domestic deposits to total assets | 83.3509% | 3,449 |
| Equity capital to assets | 11.5447% | 2,165 |
| Core capital (leverage) ratio | 11.9901% | 1,606 |
| Tier 1 risk-based capital ratio | 23.8279% | 829 |
| Total risk-based capital ratio | 25.0780% | 814 |
| Memoranda: | ||
| Average total assets | $143,706,000 | 3,557 |
| Average earning assets | $136,735,400 | 3,495 |
| Average equity | $16,388,000 | 3,548 |
| Average total loans | $85,432,000 | 3,624 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5546% | 4,671 |
| Cost of funding earning assets | 0.2060% | 4,926 |
| Net interest margin | 3.3486% | 4,023 |
| Noninterest income to average assets | 0.3487% | 4,040 |
| Noninterest expense to average assets | 2.6539% | 3,235 |
| Loan and lease loss provision to assets | 0.1822% | 1,087 |
| Net operating income to assets | 0.5540% | 4,560 |
| Return on assets (ROA) | 0.5606% | 4,573 |
| Pretax return on assets | 0.7095% | 4,586 |
| Return on Equity (ROE) | 4.9305% | 4,549 |
| Retained earnings to average equity (ytd only) | 2.6931% | 4,284 |
| Net charge-offs to loans | 0.3876% | 548 |
| Credit loss provision to net charge-offs | 79.7571% | 2,587 |
| Earnings coverage of net charge-offs (x) | 3.8663% | 3,289 |
| Efficiency ratio | 75.0262% | 1,737 |
| Assets per employee ($millions) | 4.3518% | 3,389 |
| Cash dividends to net income (ytd only)* | 45.3798% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,870 |
| Loan loss allowance to noncurrent loans | 98.3398% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 2,027 |
| Noncurrent loans to loans | 1.2306% | 1,544 |
| Net loans and leases to total assets | 57.2432% | 4,135 |
| Net loans and leases to deposits | 65.3801% | 4,293 |
| Net loans and leases to core deposits | 70.5089% | 4,215 |
| Total domestic deposits to total assets | 87.5545% | 1,608 |
| Equity capital to assets | 11.5751% | 2,296 |
| Core capital (leverage) ratio | 11.9860% | 1,694 |
| Tier 1 risk-based capital ratio | 25.4098% | 711 |
| Total risk-based capital ratio | 26.6647% | 703 |
| Memoranda: | ||
| Average total assets | $144,138,000 | 3,579 |
| Average earning assets | $137,246,750 | 3,519 |
| Average equity | $16,387,250 | 3,582 |
| Average total loans | $84,956,250 | 3,662 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5610% | 4,609 |
| Cost of funding earning assets | 0.2052% | 4,925 |
| Net interest margin | 3.3558% | 3,925 |
| Noninterest income to average assets | 0.3451% | 4,081 |
| Noninterest expense to average assets | 2.6858% | 3,140 |
| Loan and lease loss provision to assets | 0.1691% | 1,160 |
| Net operating income to assets | 0.5471% | 4,533 |
| Return on assets (ROA) | 0.5571% | 4,536 |
| Pretax return on assets | 0.6985% | 4,550 |
| Return on Equity (ROE) | 4.9299% | 4,505 |
| Retained earnings to average equity (ytd only) | 2.7102% | 4,081 |
| Net charge-offs to loans | 0.3531% | 572 |
| Credit loss provision to net charge-offs | 80.7947% | 2,251 |
| Earnings coverage of net charge-offs (x) | 4.0861% | 2,978 |
| Efficiency ratio | 75.8513% | 1,744 |
| Assets per employee ($millions) | 4.2112% | 3,594 |
| Cash dividends to net income (ytd only)* | 45.0249% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 2,988 |
| Loan loss allowance to noncurrent loans | 78.4134% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.0504% | 1,670 |
| Noncurrent loans to loans | 1.5350% | 1,219 |
| Net loans and leases to total assets | 58.9313% | 3,928 |
| Net loans and leases to deposits | 69.1189% | 3,977 |
| Net loans and leases to core deposits | 74.7061% | 3,879 |
| Total domestic deposits to total assets | 85.2607% | 2,709 |
| Equity capital to assets | 11.5971% | 2,231 |
| Core capital (leverage) ratio | 11.6650% | 1,858 |
| Tier 1 risk-based capital ratio | 24.4831% | 808 |
| Total risk-based capital ratio | 25.7367% | 781 |
| Memoranda: | ||
| Average total assets | $144,314,000 | 3,591 |
| Average earning assets | $137,435,000 | 3,533 |
| Average equity | $16,308,670 | 3,602 |
| Average total loans | $85,537,000 | 3,666 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5032% | 4,688 |
| Cost of funding earning assets | 0.2059% | 4,922 |
| Net interest margin | 3.2973% | 4,016 |
| Noninterest income to average assets | 0.3534% | 4,013 |
| Noninterest expense to average assets | 2.7002% | 3,138 |
| Loan and lease loss provision to assets | 0.1436% | 1,304 |
| Net operating income to assets | 0.5301% | 4,467 |
| Return on assets (ROA) | 0.5301% | 4,509 |
| Pretax return on assets | 0.6488% | 4,602 |
| Return on Equity (ROE) | 4.7523% | 4,502 |
| Retained earnings to average equity (ytd only) | 2.5247% | 4,133 |
| Net charge-offs to loans | 0.3598% | 512 |
| Credit loss provision to net charge-offs | 67.5325% | 1,858 |
| Earnings coverage of net charge-offs (x) | 3.7273% | 2,453 |
| Efficiency ratio | 77.3123% | 1,718 |
| Assets per employee ($millions) | 4.3466% | 3,427 |
| Cash dividends to net income (ytd only)* | 46.8750% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 3,099 |
| Loan loss allowance to noncurrent loans | 73.5043% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.0806% | 1,651 |
| Noncurrent loans to loans | 1.6401% | 1,182 |
| Net loans and leases to total assets | 57.2246% | 4,041 |
| Net loans and leases to deposits | 64.4987% | 4,281 |
| Net loans and leases to core deposits | 70.3273% | 4,125 |
| Total domestic deposits to total assets | 88.7222% | 1,307 |
| Equity capital to assets | 10.9828% | 2,640 |
| Core capital (leverage) ratio | 11.6090% | 1,874 |
| Tier 1 risk-based capital ratio | 24.0600% | 865 |
| Total risk-based capital ratio | 25.3138% | 848 |
| Memoranda: | ||
| Average total assets | $144,880,000 | 3,619 |
| Average earning assets | $137,931,500 | 3,556 |
| Average equity | $16,160,500 | 3,643 |
| Average total loans | $85,602,000 | 3,696 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5075% | 4,760 |
| Cost of funding earning assets | 0.1756% | 5,247 |
| Net interest margin | 3.3319% | 4,050 |
| Noninterest income to average assets | 0.3983% | 3,899 |
| Noninterest expense to average assets | 2.7535% | 3,180 |
| Loan and lease loss provision to assets | 0.1013% | 2,348 |
| Net operating income to assets | 0.5726% | 4,337 |
| Return on assets (ROA) | 0.5721% | 4,440 |
| Pretax return on assets | 0.7199% | 4,424 |
| Return on Equity (ROE) | 4.9918% | 4,439 |
| Retained earnings to average equity (ytd only) | 2.7200% | 3,970 |
| Net charge-offs to loans | 0.3331% | 828 |
| Credit loss provision to net charge-offs | 49.8270% | 3,383 |
| Earnings coverage of net charge-offs (x) | 4.0415% | 3,568 |
| Efficiency ratio | 77.0124% | 1,843 |
| Assets per employee ($millions) | 3.8371% | 4,240 |
| Cash dividends to net income (ytd only)* | 45.5105% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,908 |
| Loan loss allowance to noncurrent loans | 65.8567% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.2488% | 1,428 |
| Noncurrent loans to loans | 1.8750% | 996 |
| Net loans and leases to total assets | 59.5496% | 3,899 |
| Net loans and leases to deposits | 69.0880% | 3,999 |
| Net loans and leases to core deposits | 75.6196% | 3,779 |
| Total domestic deposits to total assets | 86.1940% | 2,493 |
| Equity capital to assets | 11.3331% | 2,306 |
| Core capital (leverage) ratio | 11.3638% | 2,029 |
| Tier 1 risk-based capital ratio | 23.8291% | 884 |
| Total risk-based capital ratio | 25.0829% | 869 |
| Memoranda: | ||
| Average total assets | $142,110,000 | 3,641 |
| Average earning assets | $135,509,800 | 3,563 |
| Average equity | $16,286,800 | 3,653 |
| Average total loans | $86,764,200 | 3,642 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 4,816 |
| Cost of funding earning assets | 0.1681% | 5,361 |
| Net interest margin | 3.3271% | 4,105 |
| Noninterest income to average assets | 0.4127% | 3,829 |
| Noninterest expense to average assets | 2.7530% | 3,170 |
| Loan and lease loss provision to assets | 0.1013% | 2,220 |
| Net operating income to assets | 0.5579% | 4,465 |
| Return on assets (ROA) | 0.5572% | 4,573 |
| Pretax return on assets | 0.7326% | 4,521 |
| Return on Equity (ROE) | 4.8481% | 4,582 |
| Retained earnings to average equity (ytd only) | 2.6036% | 4,353 |
| Net charge-offs to loans | 0.1715% | 1,343 |
| Credit loss provision to net charge-offs | 96.4286% | 2,429 |
| Earnings coverage of net charge-offs (x) | 7.9464% | 2,824 |
| Efficiency ratio | 76.7320% | 1,872 |
| Assets per employee ($millions) | 4.1402% | 3,714 |
| Cash dividends to net income (ytd only)* | 46.2966% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 2,269 |
| Loan loss allowance to noncurrent loans | 67.8571% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.2137% | 1,634 |
| Noncurrent loans to loans | 2.0401% | 957 |
| Net loans and leases to total assets | 57.2105% | 4,174 |
| Net loans and leases to deposits | 64.6430% | 4,437 |
| Net loans and leases to core deposits | 68.0261% | 4,470 |
| Total domestic deposits to total assets | 88.5022% | 1,158 |
| Equity capital to assets | 11.1167% | 2,899 |
| Core capital (leverage) ratio | 11.8852% | 1,757 |
| Tier 1 risk-based capital ratio | 23.8447% | 916 |
| Total risk-based capital ratio | 25.1013% | 899 |
| Memoranda: | ||
| Average total assets | $142,144,000 | 3,650 |
| Average earning assets | $135,650,250 | 3,575 |
| Average equity | $16,336,000 | 3,683 |
| Average total loans | $87,054,750 | 3,656 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5660% | 4,692 |
| Cost of funding earning assets | 0.1770% | 5,353 |
| Net interest margin | 3.3891% | 3,937 |
| Noninterest income to average assets | 0.4391% | 3,602 |
| Noninterest expense to average assets | 2.8217% | 2,957 |
| Loan and lease loss provision to assets | 0.1030% | 2,124 |
| Net operating income to assets | 0.5660% | 4,416 |
| Return on assets (ROA) | 0.5649% | 4,541 |
| Pretax return on assets | 0.7451% | 4,474 |
| Return on Equity (ROE) | 4.8590% | 4,573 |
| Retained earnings to average equity (ytd only) | 2.6448% | 4,213 |
| Net charge-offs to loans | 0.1880% | 1,223 |
| Credit loss provision to net charge-offs | 87.8049% | 2,274 |
| Earnings coverage of net charge-offs (x) | 7.2439% | 2,649 |
| Efficiency ratio | 76.8601% | 1,953 |
| Assets per employee ($millions) | 3.8188% | 4,236 |
| Cash dividends to net income (ytd only)* | 45.5696% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 2,390 |
| Loan loss allowance to noncurrent loans | 82.8353% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.0795% | 1,964 |
| Noncurrent loans to loans | 1.6642% | 1,278 |
| Net loans and leases to total assets | 62.0290% | 3,621 |
| Net loans and leases to deposits | 71.7700% | 3,808 |
| Net loans and leases to core deposits | 74.4701% | 3,945 |
| Total domestic deposits to total assets | 86.4274% | 2,202 |
| Equity capital to assets | 12.0697% | 2,084 |
| Core capital (leverage) ratio | 11.7994% | 1,772 |
| Tier 1 risk-based capital ratio | 23.9732% | 905 |
| Total risk-based capital ratio | 25.2301% | 887 |
| Memoranda: | ||
| Average total assets | $139,843,330 | 3,721 |
| Average earning assets | $133,370,000 | 3,637 |
| Average equity | $16,258,330 | 3,700 |
| Average total loans | $87,250,670 | 3,661 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 4,731 |
| Cost of funding earning assets | 0.1873% | 5,305 |
| Net interest margin | 3.3742% | 3,962 |
| Noninterest income to average assets | 0.4113% | 3,739 |
| Noninterest expense to average assets | 2.8023% | 3,057 |
| Loan and lease loss provision to assets | 0.1021% | 1,994 |
| Net operating income to assets | 0.4955% | 4,645 |
| Return on assets (ROA) | 0.4935% | 4,754 |
| Pretax return on assets | 0.7233% | 4,440 |
| Return on Equity (ROE) | 4.3254% | 4,769 |
| Retained earnings to average equity (ytd only) | 2.0881% | 4,418 |
| Net charge-offs to loans | 0.0411% | 2,182 |
| Credit loss provision to net charge-offs | 400.0000% | 706 |
| Earnings coverage of net charge-offs (x) | 32.4444% | 1,140 |
| Efficiency ratio | 77.1875% | 2,011 |
| Assets per employee ($millions) | 3.9596% | 4,022 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 2,393 |
| Loan loss allowance to noncurrent loans | 76.3828% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 1,891 |
| Noncurrent loans to loans | 1.8420% | 1,202 |
| Net loans and leases to total assets | 60.4181% | 3,717 |
| Net loans and leases to deposits | 68.4564% | 4,011 |
| Net loans and leases to core deposits | 70.8790% | 4,171 |
| Total domestic deposits to total assets | 88.2577% | 1,500 |
| Equity capital to assets | 11.3950% | 2,542 |
| Core capital (leverage) ratio | 11.5940% | 1,909 |
| Tier 1 risk-based capital ratio | 23.5168% | 959 |
| Total risk-based capital ratio | 24.7729% | 954 |
| Memoranda: | ||
| Average total assets | $141,027,000 | 3,723 |
| Average earning assets | $134,551,000 | 3,642 |
| Average equity | $16,091,000 | 3,716 |
| Average total loans | $87,642,500 | 3,660 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5791% | 4,727 |
| Cost of funding earning assets | 0.1953% | 5,324 |
| Net interest margin | 3.3838% | 3,972 |
| Noninterest income to average assets | 0.3519% | 4,387 |
| Noninterest expense to average assets | 2.8503% | 3,033 |
| Loan and lease loss provision to assets | 0.1357% | 1,750 |
| Net operating income to assets | 0.5307% | 4,581 |
| Return on assets (ROA) | 0.5385% | 4,634 |
| Pretax return on assets | 0.6086% | 4,811 |
| Return on Equity (ROE) | 4.6541% | 4,679 |
| Retained earnings to average equity (ytd only) | 2.3207% | 4,408 |
| Net charge-offs to loans | 0.0904% | 2,534 |
| Credit loss provision to net charge-offs | 238.9610% | 1,193 |
| Earnings coverage of net charge-offs (x) | 12.9481% | 2,408 |
| Efficiency ratio | 79.4898% | 1,745 |
| Assets per employee ($millions) | 3.8753% | 4,167 |
| Cash dividends to net income (ytd only)* | 50.1370% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 2,575 |
| Loan loss allowance to noncurrent loans | 72.8044% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.2157% | 1,781 |
| Noncurrent loans to loans | 1.8776% | 1,143 |
| Net loans and leases to total assets | 62.1687% | 3,536 |
| Net loans and leases to deposits | 74.3789% | 3,450 |
| Net loans and leases to core deposits | 77.2219% | 3,640 |
| Total domestic deposits to total assets | 83.5839% | 3,642 |
| Equity capital to assets | 11.4251% | 2,420 |
| Core capital (leverage) ratio | 11.6811% | 1,829 |
| Tier 1 risk-based capital ratio | 23.1182% | 1,003 |
| Total risk-based capital ratio | 24.3737% | 988 |
| Memoranda: | ||
| Average total assets | $135,564,000 | 3,799 |
| Average earning assets | $129,558,000 | 3,710 |
| Average equity | $15,685,000 | 3,731 |
| Average total loans | $85,180,200 | 3,697 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5928% | 4,764 |
| Cost of funding earning assets | 0.1978% | 5,393 |
| Net interest margin | 3.3950% | 3,980 |
| Noninterest income to average assets | 0.3448% | 4,465 |
| Noninterest expense to average assets | 2.8692% | 2,939 |
| Loan and lease loss provision to assets | 0.1605% | 1,338 |
| Net operating income to assets | 0.4492% | 4,974 |
| Return on assets (ROA) | 0.4587% | 5,035 |
| Pretax return on assets | 0.5746% | 5,033 |
| Return on Equity (ROE) | 3.9517% | 5,045 |
| Retained earnings to average equity (ytd only) | 1.6387% | 5,048 |
| Net charge-offs to loans | 0.0410% | 3,065 |
| Credit loss provision to net charge-offs | 623.0769% | 547 |
| Earnings coverage of net charge-offs (x) | 28.0736% | 1,556 |
| Efficiency ratio | 79.8676% | 1,678 |
| Assets per employee ($millions) | 3.8382% | 4,194 |
| Cash dividends to net income (ytd only)* | 58.5304% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 2,252 |
| Loan loss allowance to noncurrent loans | 88.0544% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 2,338 |
| Noncurrent loans to loans | 1.6773% | 1,455 |
| Net loans and leases to total assets | 59.4294% | 3,943 |
| Net loans and leases to deposits | 67.7709% | 4,214 |
| Net loans and leases to core deposits | 70.2555% | 4,348 |
| Total domestic deposits to total assets | 87.6916% | 1,707 |
| Equity capital to assets | 11.3835% | 2,602 |
| Core capital (leverage) ratio | 11.8320% | 1,790 |
| Tier 1 risk-based capital ratio | 23.9749% | 950 |
| Total risk-based capital ratio | 25.2323% | 934 |
| Memoranda: | ||
| Average total assets | $134,577,750 | 3,851 |
| Average earning assets | $128,736,000 | 3,760 |
| Average equity | $15,621,500 | 3,778 |
| Average total loans | $84,492,000 | 3,742 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6005% | 4,715 |
| Cost of funding earning assets | 0.2003% | 5,427 |
| Net interest margin | 3.4002% | 3,909 |
| Noninterest income to average assets | 0.3344% | 4,564 |
| Noninterest expense to average assets | 2.9210% | 2,814 |
| Loan and lease loss provision to assets | 0.1619% | 1,311 |
| Net operating income to assets | 0.4133% | 5,102 |
| Return on assets (ROA) | 0.4109% | 5,210 |
| Pretax return on assets | 0.5068% | 5,206 |
| Return on Equity (ROE) | 3.5161% | 5,221 |
| Retained earnings to average equity (ytd only) | 1.2062% | 5,075 |
| Net charge-offs to loans | 0.0636% | 2,473 |
| Credit loss provision to net charge-offs | 400.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 16.5926% | 1,900 |
| Efficiency ratio | 81.3022% | 1,583 |
| Assets per employee ($millions) | 3.7538% | 4,320 |
| Cash dividends to net income (ytd only)* | 65.6934% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 2,813 |
| Loan loss allowance to noncurrent loans | 69.3215% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.2543% | 2,001 |
| Noncurrent loans to loans | 2.0032% | 1,216 |
| Net loans and leases to total assets | 61.7455% | 3,588 |
| Net loans and leases to deposits | 70.7601% | 3,846 |
| Net loans and leases to core deposits | 73.6155% | 3,986 |
| Total domestic deposits to total assets | 87.2603% | 2,033 |
| Equity capital to assets | 11.4351% | 2,472 |
| Core capital (leverage) ratio | 11.7689% | 1,796 |
| Tier 1 risk-based capital ratio | 23.8758% | 968 |
| Total risk-based capital ratio | 25.1328% | 954 |
| Memoranda: | ||
| Average total assets | $133,379,000 | 3,902 |
| Average earning assets | $127,817,330 | 3,808 |
| Average equity | $15,585,670 | 3,798 |
| Average total loans | $84,873,670 | 3,753 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 4,721 |
| Cost of funding earning assets | 0.1984% | 5,530 |
| Net interest margin | 3.3918% | 3,878 |
| Noninterest income to average assets | 0.3321% | 4,534 |
| Noninterest expense to average assets | 2.9796% | 2,641 |
| Loan and lease loss provision to assets | 0.1630% | 1,236 |
| Net operating income to assets | 0.3774% | 5,150 |
| Return on assets (ROA) | 0.3774% | 5,271 |
| Pretax return on assets | 0.4408% | 5,341 |
| Return on Equity (ROE) | 3.1945% | 5,301 |
| Retained earnings to average equity (ytd only) | 0.8945% | 5,107 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1508% | 1,466 |
| Assets per employee ($millions) | 3.6419% | 4,629 |
| Cash dividends to net income (ytd only)* | 72.0000% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 3,106 |
| Loan loss allowance to noncurrent loans | 54.5325% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 1.5636% | 1,651 |
| Noncurrent loans to loans | 2.4921% | 973 |
| Net loans and leases to total assets | 61.8921% | 3,383 |
| Net loans and leases to deposits | 70.4848% | 3,696 |
| Net loans and leases to core deposits | 73.1525% | 3,856 |
| Total domestic deposits to total assets | 87.8092% | 1,925 |
| Equity capital to assets | 11.6654% | 2,327 |
| Core capital (leverage) ratio | 11.9342% | 1,679 |
| Tier 1 risk-based capital ratio | 24.0048% | 994 |
| Total risk-based capital ratio | 25.2612% | 979 |
| Memoranda: | ||
| Average total assets | $132,500,000 | 3,944 |
| Average earning assets | $127,011,500 | 3,846 |
| Average equity | $15,652,000 | 3,806 |
| Average total loans | $85,002,500 | 3,775 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,852 |
| Cost of funding earning assets | 0.2177% | 5,608 |
| Net interest margin | 3.4631% | 3,932 |
| Noninterest income to average assets | 0.3506% | 4,601 |
| Noninterest expense to average assets | 2.9278% | 3,055 |
| Loan and lease loss provision to assets | 0.1689% | 1,543 |
| Net operating income to assets | 0.4727% | 4,911 |
| Return on assets (ROA) | 0.5030% | 4,885 |
| Pretax return on assets | 0.5983% | 4,947 |
| Return on Equity (ROE) | 4.4051% | 4,936 |
| Retained earnings to average equity (ytd only) | 1.9987% | 4,790 |
| Net charge-offs to loans | 0.1478% | 2,554 |
| Credit loss provision to net charge-offs | 180.0000% | 1,351 |
| Earnings coverage of net charge-offs (x) | 7.7920% | 2,974 |
| Efficiency ratio | 80.0164% | 1,926 |
| Assets per employee ($millions) | 3.5203% | 4,871 |
| Cash dividends to net income (ytd only)* | 54.6269% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 3,533 |
| Loan loss allowance to noncurrent loans | 59.7056% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.4081% | 1,970 |
| Noncurrent loans to loans | 2.1461% | 1,260 |
| Net loans and leases to total assets | 64.7688% | 3,094 |
| Net loans and leases to deposits | 75.0385% | 3,307 |
| Net loans and leases to core deposits | 78.2180% | 3,496 |
| Total domestic deposits to total assets | 86.3141% | 2,664 |
| Equity capital to assets | 11.9654% | 2,039 |
| Core capital (leverage) ratio | 11.7377% | 1,805 |
| Tier 1 risk-based capital ratio | 22.3376% | 1,175 |
| Total risk-based capital ratio | 23.5916% | 1,154 |
| Memoranda: | ||
| Average total assets | $133,206,800 | 3,918 |
| Average earning assets | $127,257,600 | 3,818 |
| Average equity | $15,209,800 | 3,795 |
| Average total loans | $84,563,000 | 3,754 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6670% | 4,954 |
| Cost of funding earning assets | 0.2200% | 5,669 |
| Net interest margin | 3.4470% | 4,028 |
| Noninterest income to average assets | 0.3484% | 4,656 |
| Noninterest expense to average assets | 2.9305% | 3,022 |
| Loan and lease loss provision to assets | 0.1493% | 1,673 |
| Net operating income to assets | 0.4635% | 5,023 |
| Return on assets (ROA) | 0.4957% | 4,959 |
| Pretax return on assets | 0.5982% | 5,037 |
| Return on Equity (ROE) | 4.3926% | 5,007 |
| Retained earnings to average equity (ytd only) | 2.0022% | 5,050 |
| Net charge-offs to loans | 0.1976% | 1,888 |
| Credit loss provision to net charge-offs | 120.0000% | 1,916 |
| Earnings coverage of net charge-offs (x) | 5.6961% | 3,212 |
| Efficiency ratio | 80.5252% | 1,837 |
| Assets per employee ($millions) | 3.6551% | 4,566 |
| Cash dividends to net income (ytd only)* | 54.4173% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 4,249 |
| Loan loss allowance to noncurrent loans | 54.2842% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 1.3894% | 2,224 |
| Noncurrent loans to loans | 2.2033% | 1,381 |
| Net loans and leases to total assets | 62.3050% | 3,439 |
| Net loans and leases to deposits | 73.1671% | 3,541 |
| Net loans and leases to core deposits | 76.1851% | 3,721 |
| Total domestic deposits to total assets | 85.1543% | 3,278 |
| Equity capital to assets | 11.3932% | 2,594 |
| Core capital (leverage) ratio | 11.8316% | 1,809 |
| Tier 1 risk-based capital ratio | 22.1675% | 1,241 |
| Total risk-based capital ratio | 23.4209% | 1,223 |
| Memoranda: | ||
| Average total assets | $133,945,750 | 3,940 |
| Average earning assets | $127,877,000 | 3,838 |
| Average equity | $15,116,000 | 3,833 |
| Average total loans | $84,339,500 | 3,791 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6444% | 5,027 |
| Cost of funding earning assets | 0.2214% | 5,735 |
| Net interest margin | 3.4230% | 4,090 |
| Noninterest income to average assets | 0.3340% | 4,751 |
| Noninterest expense to average assets | 2.9555% | 2,980 |
| Loan and lease loss provision to assets | 0.1648% | 1,490 |
| Net operating income to assets | 0.4172% | 5,149 |
| Return on assets (ROA) | 0.4524% | 5,083 |
| Pretax return on assets | 0.5198% | 5,223 |
| Return on Equity (ROE) | 4.0217% | 5,133 |
| Retained earnings to average equity (ytd only) | 1.6246% | 5,092 |
| Net charge-offs to loans | 0.2951% | 1,362 |
| Credit loss provision to net charge-offs | 88.7097% | 2,203 |
| Earnings coverage of net charge-offs (x) | 3.4677% | 3,297 |
| Efficiency ratio | 82.1057% | 1,727 |
| Assets per employee ($millions) | 3.5167% | 4,812 |
| Cash dividends to net income (ytd only)* | 59.6026% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 4,635 |
| Loan loss allowance to noncurrent loans | 50.9346% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.6373% | 2,004 |
| Noncurrent loans to loans | 2.2700% | 1,434 |
| Net loans and leases to total assets | 62.7580% | 3,282 |
| Net loans and leases to deposits | 73.0960% | 3,441 |
| Net loans and leases to core deposits | 76.8623% | 3,549 |
| Total domestic deposits to total assets | 85.8569% | 3,119 |
| Equity capital to assets | 11.4125% | 2,505 |
| Core capital (leverage) ratio | 11.6239% | 1,906 |
| Tier 1 risk-based capital ratio | 21.7759% | 1,294 |
| Total risk-based capital ratio | 23.0281% | 1,269 |
| Memoranda: | ||
| Average total assets | $133,515,000 | 3,968 |
| Average earning assets | $127,372,000 | 3,866 |
| Average equity | $15,018,670 | 3,853 |
| Average total loans | $84,026,000 | 3,814 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6028% | 5,160 |
| Cost of funding earning assets | 0.2260% | 5,789 |
| Net interest margin | 3.3768% | 4,231 |
| Noninterest income to average assets | 0.3327% | 4,712 |
| Noninterest expense to average assets | 2.9553% | 3,032 |
| Loan and lease loss provision to assets | 0.1499% | 1,616 |
| Net operating income to assets | 0.3942% | 5,140 |
| Return on assets (ROA) | 0.4646% | 4,943 |
| Pretax return on assets | 0.5335% | 5,069 |
| Return on Equity (ROE) | 4.1604% | 4,958 |
| Retained earnings to average equity (ytd only) | 1.7447% | 4,912 |
| Net charge-offs to loans | 0.4114% | 879 |
| Credit loss provision to net charge-offs | 58.1395% | 2,125 |
| Earnings coverage of net charge-offs (x) | 2.3372% | 2,900 |
| Efficiency ratio | 83.0666% | 1,791 |
| Assets per employee ($millions) | 3.5986% | 4,722 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 4,936 |
| Loan loss allowance to noncurrent loans | 49.7923% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 1.5401% | 2,296 |
| Noncurrent loans to loans | 2.2856% | 1,565 |
| Net loans and leases to total assets | 60.9201% | 3,412 |
| Net loans and leases to deposits | 68.8442% | 3,756 |
| Net loans and leases to core deposits | 72.1935% | 3,856 |
| Total domestic deposits to total assets | 88.4898% | 1,942 |
| Equity capital to assets | 10.9844% | 2,725 |
| Core capital (leverage) ratio | 11.6773% | 1,842 |
| Tier 1 risk-based capital ratio | 21.7544% | 1,331 |
| Total risk-based capital ratio | 23.0057% | 1,311 |
| Memoranda: | ||
| Average total assets | $133,455,500 | 4,002 |
| Average earning assets | $127,458,000 | 3,901 |
| Average equity | $14,902,500 | 3,877 |
| Average total loans | $83,615,500 | 3,846 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7730% | 4,900 |
| Cost of funding earning assets | 0.3104% | 5,516 |
| Net interest margin | 3.4626% | 4,049 |
| Noninterest income to average assets | 0.4000% | 4,440 |
| Noninterest expense to average assets | 2.9421% | 3,225 |
| Loan and lease loss provision to assets | 0.1017% | 3,102 |
| Net operating income to assets | 0.4871% | 4,789 |
| Return on assets (ROA) | 0.5264% | 4,736 |
| Pretax return on assets | 0.6467% | 4,719 |
| Return on Equity (ROE) | 4.4907% | 4,897 |
| Retained earnings to average equity (ytd only) | 2.0843% | 4,752 |
| Net charge-offs to loans | 0.5133% | 1,286 |
| Credit loss provision to net charge-offs | 31.8841% | 4,213 |
| Earnings coverage of net charge-offs (x) | 2.1932% | 4,295 |
| Efficiency ratio | 80.7831% | 2,047 |
| Assets per employee ($millions) | 3.4253% | 5,033 |
| Cash dividends to net income (ytd only)* | 53.5871% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 4,665 |
| Loan loss allowance to noncurrent loans | 48.9184% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.5627% | 2,380 |
| Noncurrent loans to loans | 2.4516% | 1,556 |
| Net loans and leases to total assets | 62.9749% | 3,206 |
| Net loans and leases to deposits | 72.4245% | 3,470 |
| Net loans and leases to core deposits | 75.6844% | 3,642 |
| Total domestic deposits to total assets | 86.9525% | 2,749 |
| Equity capital to assets | 11.3581% | 2,280 |
| Core capital (leverage) ratio | 11.5592% | 1,914 |
| Tier 1 risk-based capital ratio | 22.3109% | 1,203 |
| Total risk-based capital ratio | 23.5636% | 1,179 |
| Memoranda: | ||
| Average total assets | $129,738,800 | 4,079 |
| Average earning assets | $121,468,800 | 4,023 |
| Average equity | $15,209,200 | 3,827 |
| Average total loans | $80,656,600 | 3,916 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7930% | 4,881 |
| Cost of funding earning assets | 0.3212% | 5,542 |
| Net interest margin | 3.4717% | 4,008 |
| Noninterest income to average assets | 0.4166% | 4,397 |
| Noninterest expense to average assets | 2.9261% | 3,224 |
| Loan and lease loss provision to assets | 0.0895% | 3,270 |
| Net operating income to assets | 0.5178% | 4,729 |
| Return on assets (ROA) | 0.5636% | 4,663 |
| Pretax return on assets | 0.6922% | 4,711 |
| Return on Equity (ROE) | 4.7707% | 4,842 |
| Retained earnings to average equity (ytd only) | 2.4114% | 4,884 |
| Net charge-offs to loans | 0.4828% | 1,329 |
| Credit loss provision to net charge-offs | 30.0000% | 3,894 |
| Earnings coverage of net charge-offs (x) | 2.4310% | 4,018 |
| Efficiency ratio | 80.1408% | 2,073 |
| Assets per employee ($millions) | 3.3630% | 5,152 |
| Cash dividends to net income (ytd only)* | 49.4519% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 4,286 |
| Loan loss allowance to noncurrent loans | 53.9970% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 1.5165% | 2,657 |
| Noncurrent loans to loans | 2.4463% | 1,785 |
| Net loans and leases to total assets | 61.1725% | 3,496 |
| Net loans and leases to deposits | 69.4307% | 3,863 |
| Net loans and leases to core deposits | 72.4888% | 4,034 |
| Total domestic deposits to total assets | 88.1059% | 2,056 |
| Equity capital to assets | 11.4176% | 2,361 |
| Core capital (leverage) ratio | 11.9362% | 1,712 |
| Tier 1 risk-based capital ratio | 22.8958% | 1,165 |
| Total risk-based capital ratio | 24.1490% | 1,144 |
| Memoranda: | ||
| Average total assets | $129,632,750 | 4,126 |
| Average earning assets | $120,782,500 | 4,085 |
| Average equity | $15,315,500 | 3,857 |
| Average total loans | $80,079,500 | 3,969 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 4,668 |
| Cost of funding earning assets | 0.3305% | 5,562 |
| Net interest margin | 3.5146% | 3,722 |
| Noninterest income to average assets | 0.3996% | 4,533 |
| Noninterest expense to average assets | 2.9785% | 3,066 |
| Loan and lease loss provision to assets | 0.0651% | 3,725 |
| Net operating income to assets | 0.4786% | 4,887 |
| Return on assets (ROA) | 0.5468% | 4,735 |
| Pretax return on assets | 0.6862% | 4,729 |
| Return on Equity (ROE) | 4.5758% | 4,965 |
| Retained earnings to average equity (ytd only) | 2.2296% | 4,855 |
| Net charge-offs to loans | 0.1330% | 3,047 |
| Credit loss provision to net charge-offs | 79.2453% | 2,641 |
| Earnings coverage of net charge-offs (x) | 8.1132% | 2,454 |
| Efficiency ratio | 81.7255% | 1,923 |
| Assets per employee ($millions) | 3.4464% | 4,965 |
| Cash dividends to net income (ytd only)* | 51.2748% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 3,266 |
| Loan loss allowance to noncurrent loans | 62.1807% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.5546% | 2,780 |
| Noncurrent loans to loans | 2.5259% | 1,830 |
| Net loans and leases to total assets | 60.5812% | 3,565 |
| Net loans and leases to deposits | 68.8868% | 3,876 |
| Net loans and leases to core deposits | 72.4656% | 3,989 |
| Total domestic deposits to total assets | 87.9432% | 2,287 |
| Equity capital to assets | 11.5521% | 2,251 |
| Core capital (leverage) ratio | 11.4840% | 1,949 |
| Tier 1 risk-based capital ratio | 22.9306% | 1,144 |
| Total risk-based capital ratio | 24.1884% | 1,130 |
| Memoranda: | ||
| Average total assets | $129,124,670 | 4,157 |
| Average earning assets | $119,217,670 | 4,136 |
| Average equity | $15,429,000 | 3,868 |
| Average total loans | $79,670,670 | 3,989 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 4,706 |
| Cost of funding earning assets | 0.3476% | 5,557 |
| Net interest margin | 3.4866% | 3,758 |
| Noninterest income to average assets | 0.3557% | 4,826 |
| Noninterest expense to average assets | 2.8298% | 3,602 |
| Loan and lease loss provision to assets | 0.1404% | 2,485 |
| Net operating income to assets | 0.4743% | 4,800 |
| Return on assets (ROA) | 0.5585% | 4,577 |
| Pretax return on assets | 0.6427% | 4,796 |
| Return on Equity (ROE) | 4.5959% | 4,793 |
| Retained earnings to average equity (ytd only) | 2.2851% | 4,879 |
| Net charge-offs to loans | 0.0909% | 2,933 |
| Credit loss provision to net charge-offs | 250.0000% | 920 |
| Earnings coverage of net charge-offs (x) | 12.2222% | 1,615 |
| Efficiency ratio | 80.4791% | 2,255 |
| Assets per employee ($millions) | 3.5635% | 4,860 |
| Cash dividends to net income (ytd only)* | 50.2793% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6468% | 3,210 |
| Loan loss allowance to noncurrent loans | 74.1752% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.3561% | 3,243 |
| Noncurrent loans to loans | 2.2202% | 2,366 |
| Net loans and leases to total assets | 59.0665% | 3,594 |
| Net loans and leases to deposits | 67.3545% | 3,864 |
| Net loans and leases to core deposits | 70.9879% | 3,953 |
| Total domestic deposits to total assets | 87.6949% | 2,519 |
| Equity capital to assets | 11.8068% | 2,170 |
| Core capital (leverage) ratio | 11.6936% | 1,754 |
| Tier 1 risk-based capital ratio | 23.4139% | 1,091 |
| Total risk-based capital ratio | 24.6729% | 1,073 |
| Memoranda: | ||
| Average total assets | $128,205,500 | 4,220 |
| Average earning assets | $116,215,500 | 4,238 |
| Average equity | $15,579,000 | 3,894 |
| Average total loans | $79,203,500 | 4,029 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 5,334 |
| Cost of funding earning assets | 0.4124% | 5,833 |
| Net interest margin | 3.5800% | 4,183 |
| Noninterest income to average assets | 0.3757% | 4,787 |
| Noninterest expense to average assets | 2.7728% | 4,130 |
| Loan and lease loss provision to assets | 0.1348% | 3,940 |
| Net operating income to assets | 0.6229% | 4,127 |
| Return on assets (ROA) | 0.6833% | 4,083 |
| Pretax return on assets | 0.8458% | 4,125 |
| Return on Equity (ROE) | 5.6183% | 4,359 |
| Retained earnings to average equity (ytd only) | 3.2068% | 3,966 |
| Net charge-offs to loans | 0.2107% | 3,705 |
| Credit loss provision to net charge-offs | 104.2945% | 2,865 |
| Earnings coverage of net charge-offs (x) | 7.0123% | 2,692 |
| Efficiency ratio | 75.3717% | 2,851 |
| Assets per employee ($millions) | 3.3666% | 5,297 |
| Cash dividends to net income (ytd only)* | 42.9234% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 3,257 |
| Loan loss allowance to noncurrent loans | 85.9933% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.2163% | 3,627 |
| Noncurrent loans to loans | 1.8744% | 2,830 |
| Net loans and leases to total assets | 62.5772% | 3,153 |
| Net loans and leases to deposits | 71.9310% | 3,423 |
| Net loans and leases to core deposits | 76.0127% | 3,530 |
| Total domestic deposits to total assets | 86.9961% | 2,850 |
| Equity capital to assets | 12.5166% | 1,703 |
| Core capital (leverage) ratio | 11.5538% | 1,840 |
| Tier 1 risk-based capital ratio | 23.7561% | 995 |
| Total risk-based capital ratio | 25.0157% | 975 |
| Memoranda: | ||
| Average total assets | $126,153,400 | 4,226 |
| Average earning assets | $116,396,800 | 4,202 |
| Average equity | $15,342,600 | 3,886 |
| Average total loans | $77,343,000 | 4,111 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 5,473 |
| Cost of funding earning assets | 0.4227% | 5,968 |
| Net interest margin | 3.5938% | 4,258 |
| Noninterest income to average assets | 0.3603% | 4,940 |
| Noninterest expense to average assets | 2.7582% | 4,145 |
| Loan and lease loss provision to assets | 0.1475% | 3,692 |
| Net operating income to assets | 0.6270% | 4,257 |
| Return on assets (ROA) | 0.7091% | 4,115 |
| Pretax return on assets | 0.8597% | 4,265 |
| Return on Equity (ROE) | 5.8723% | 4,395 |
| Retained earnings to average equity (ytd only) | 3.5164% | 4,400 |
| Net charge-offs to loans | 0.3417% | 2,744 |
| Credit loss provision to net charge-offs | 71.0660% | 3,879 |
| Earnings coverage of net charge-offs (x) | 4.3706% | 3,320 |
| Efficiency ratio | 75.2515% | 2,786 |
| Assets per employee ($millions) | 3.4458% | 5,099 |
| Cash dividends to net income (ytd only)* | 40.1188% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 3,706 |
| Loan loss allowance to noncurrent loans | 131.8478% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7773% | 4,767 |
| Noncurrent loans to loans | 1.1801% | 4,091 |
| Net loans and leases to total assets | 60.1962% | 3,740 |
| Net loans and leases to deposits | 69.0348% | 4,022 |
| Net loans and leases to core deposits | 73.2288% | 4,082 |
| Total domestic deposits to total assets | 87.1969% | 2,561 |
| Equity capital to assets | 12.1881% | 2,121 |
| Core capital (leverage) ratio | 11.8780% | 1,727 |
| Tier 1 risk-based capital ratio | 23.8123% | 1,044 |
| Total risk-based capital ratio | 25.0698% | 1,025 |
| Memoranda: | ||
| Average total assets | $126,551,000 | 4,263 |
| Average earning assets | $116,384,000 | 4,236 |
| Average equity | $15,280,500 | 3,940 |
| Average total loans | $76,872,500 | 4,169 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 5,479 |
| Cost of funding earning assets | 0.4304% | 6,095 |
| Net interest margin | 3.6217% | 4,177 |
| Noninterest income to average assets | 0.3565% | 4,976 |
| Noninterest expense to average assets | 2.7694% | 4,137 |
| Loan and lease loss provision to assets | 0.1901% | 3,198 |
| Net operating income to assets | 0.6485% | 4,118 |
| Return on assets (ROA) | 0.7795% | 3,741 |
| Pretax return on assets | 0.8936% | 4,101 |
| Return on Equity (ROE) | 6.4761% | 4,058 |
| Retained earnings to average equity (ytd only) | 4.1068% | 3,872 |
| Net charge-offs to loans | 0.5620% | 1,912 |
| Credit loss provision to net charge-offs | 55.8140% | 3,908 |
| Earnings coverage of net charge-offs (x) | 2.7395% | 3,643 |
| Efficiency ratio | 74.7967% | 2,937 |
| Assets per employee ($millions) | 3.4002% | 5,210 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 3,966 |
| Loan loss allowance to noncurrent loans | 120.6366% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 4,691 |
| Noncurrent loans to loans | 1.2524% | 4,043 |
| Net loans and leases to total assets | 60.8809% | 3,646 |
| Net loans and leases to deposits | 71.0543% | 3,757 |
| Net loans and leases to core deposits | 74.7759% | 3,924 |
| Total domestic deposits to total assets | 85.6822% | 3,516 |
| Equity capital to assets | 12.2361% | 1,977 |
| Core capital (leverage) ratio | 11.5757% | 1,856 |
| Tier 1 risk-based capital ratio | 23.7846% | 1,044 |
| Total risk-based capital ratio | 25.0418% | 1,025 |
| Memoranda: | ||
| Average total assets | $126,237,000 | 4,285 |
| Average earning assets | $116,631,670 | 4,250 |
| Average equity | $15,194,330 | 3,948 |
| Average total loans | $76,510,330 | 4,202 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 5,578 |
| Cost of funding earning assets | 0.4497% | 6,145 |
| Net interest margin | 3.6112% | 4,216 |
| Noninterest income to average assets | 0.3511% | 5,051 |
| Noninterest expense to average assets | 2.7837% | 4,108 |
| Loan and lease loss provision to assets | 0.1898% | 3,058 |
| Net operating income to assets | 0.4840% | 4,895 |
| Return on assets (ROA) | 0.4840% | 5,094 |
| Pretax return on assets | 0.7054% | 4,771 |
| Return on Equity (ROE) | 4.0545% | 5,271 |
| Retained earnings to average equity (ytd only) | 1.6695% | 5,398 |
| Net charge-offs to loans | 0.2688% | 2,593 |
| Credit loss provision to net charge-offs | 117.6471% | 2,011 |
| Earnings coverage of net charge-offs (x) | 5.5490% | 2,344 |
| Efficiency ratio | 75.6664% | 2,830 |
| Assets per employee ($millions) | 3.5148% | 5,085 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 3,440 |
| Loan loss allowance to noncurrent loans | 111.0243% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9827% | 4,541 |
| Noncurrent loans to loans | 1.5101% | 3,853 |
| Net loans and leases to total assets | 57.6779% | 4,095 |
| Net loans and leases to deposits | 65.6620% | 4,423 |
| Net loans and leases to core deposits | 68.8693% | 4,580 |
| Total domestic deposits to total assets | 87.8406% | 2,427 |
| Equity capital to assets | 11.5880% | 2,361 |
| Core capital (leverage) ratio | 11.5810% | 1,848 |
| Tier 1 risk-based capital ratio | 23.4619% | 1,070 |
| Total risk-based capital ratio | 24.7215% | 1,053 |
| Memoranda: | ||
| Average total assets | $126,451,500 | 4,312 |
| Average earning assets | $116,526,500 | 4,282 |
| Average equity | $15,094,500 | 3,973 |
| Average total loans | $75,881,500 | 4,242 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 5,589 |
| Cost of funding earning assets | 0.5548% | 6,318 |
| Net interest margin | 3.8008% | 3,813 |
| Noninterest income to average assets | 0.5387% | 3,593 |
| Noninterest expense to average assets | 3.0663% | 3,331 |
| Loan and lease loss provision to assets | 0.2079% | 4,104 |
| Net operating income to assets | 0.6569% | 3,709 |
| Return on assets (ROA) | 0.6797% | 3,774 |
| Pretax return on assets | 0.8068% | 3,959 |
| Return on Equity (ROE) | 5.6062% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.1229% | 4,006 |
| Net charge-offs to loans | 0.2397% | 4,279 |
| Credit loss provision to net charge-offs | 139.2265% | 2,123 |
| Earnings coverage of net charge-offs (x) | 6.6133% | 2,481 |
| Efficiency ratio | 75.6410% | 2,951 |
| Assets per employee ($millions) | 3.3204% | 5,453 |
| Cash dividends to net income (ytd only)* | 44.2961% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 3,260 |
| Loan loss allowance to noncurrent loans | 95.4204% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.1737% | 4,278 |
| Noncurrent loans to loans | 1.7648% | 3,515 |
| Net loans and leases to total assets | 60.3997% | 3,920 |
| Net loans and leases to deposits | 69.4177% | 4,212 |
| Net loans and leases to core deposits | 73.0836% | 4,370 |
| Total domestic deposits to total assets | 87.0091% | 2,758 |
| Equity capital to assets | 12.3064% | 1,904 |
| Core capital (leverage) ratio | 11.5103% | 1,883 |
| Tier 1 risk-based capital ratio | 23.4963% | 1,031 |
| Total risk-based capital ratio | 24.7536% | 1,012 |
| Memoranda: | ||
| Average total assets | $121,222,000 | 4,367 |
| Average earning assets | $112,106,600 | 4,332 |
| Average equity | $14,698,000 | 3,971 |
| Average total loans | $75,515,400 | 4,295 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 5,530 |
| Cost of funding earning assets | 0.5743% | 6,410 |
| Net interest margin | 3.8480% | 3,626 |
| Noninterest income to average assets | 0.3918% | 4,726 |
| Noninterest expense to average assets | 3.0724% | 3,272 |
| Loan and lease loss provision to assets | 0.1126% | 5,018 |
| Net operating income to assets | 0.6842% | 3,693 |
| Return on assets (ROA) | 0.7173% | 3,692 |
| Pretax return on assets | 0.7924% | 4,162 |
| Return on Equity (ROE) | 5.9389% | 4,045 |
| Retained earnings to average equity (ytd only) | 3.4628% | 4,273 |
| Net charge-offs to loans | 0.3266% | 3,463 |
| Credit loss provision to net charge-offs | 55.1351% | 4,922 |
| Earnings coverage of net charge-offs (x) | 4.2541% | 3,126 |
| Efficiency ratio | 77.9614% | 2,553 |
| Assets per employee ($millions) | 3.3274% | 5,423 |
| Cash dividends to net income (ytd only)* | 41.6916% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 4,249 |
| Loan loss allowance to noncurrent loans | 82.5444% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.1875% | 4,413 |
| Noncurrent loans to loans | 1.7808% | 3,663 |
| Net loans and leases to total assets | 60.7608% | 3,989 |
| Net loans and leases to deposits | 69.7496% | 4,338 |
| Net loans and leases to core deposits | 73.2406% | 4,558 |
| Total domestic deposits to total assets | 87.1128% | 2,580 |
| Equity capital to assets | 12.2602% | 2,048 |
| Core capital (leverage) ratio | 11.8712% | 1,780 |
| Tier 1 risk-based capital ratio | 23.2222% | 1,117 |
| Total risk-based capital ratio | 24.4764% | 1,099 |
| Memoranda: | ||
| Average total assets | $120,813,750 | 4,399 |
| Average earning assets | $111,431,750 | 4,373 |
| Average equity | $14,592,750 | 4,005 |
| Average total loans | $75,525,500 | 4,332 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 5,532 |
| Cost of funding earning assets | 0.5925% | 6,500 |
| Net interest margin | 3.8561% | 3,505 |
| Noninterest income to average assets | 0.3915% | 4,747 |
| Noninterest expense to average assets | 3.0955% | 3,275 |
| Loan and lease loss provision to assets | 0.0533% | 5,648 |
| Net operating income to assets | 0.7491% | 3,298 |
| Return on assets (ROA) | 0.8014% | 3,193 |
| Pretax return on assets | 0.8430% | 3,858 |
| Return on Equity (ROE) | 6.6687% | 3,606 |
| Retained earnings to average equity (ytd only) | 4.1593% | 3,548 |
| Net charge-offs to loans | 0.0239% | 5,497 |
| Credit loss provision to net charge-offs | 355.5556% | 863 |
| Earnings coverage of net charge-offs (x) | 56.1111% | 569 |
| Efficiency ratio | 78.6289% | 2,606 |
| Assets per employee ($millions) | 3.3796% | 5,257 |
| Cash dividends to net income (ytd only)* | 37.6299% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 3,639 |
| Loan loss allowance to noncurrent loans | 70.3512% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.4564% | 4,036 |
| Noncurrent loans to loans | 2.2960% | 3,105 |
| Net loans and leases to total assets | 61.1760% | 4,053 |
| Net loans and leases to deposits | 70.0230% | 4,434 |
| Net loans and leases to core deposits | 73.6649% | 4,620 |
| Total domestic deposits to total assets | 87.3655% | 2,537 |
| Equity capital to assets | 12.1356% | 2,004 |
| Core capital (leverage) ratio | 11.5839% | 1,851 |
| Tier 1 risk-based capital ratio | 23.2331% | 1,087 |
| Total risk-based capital ratio | 24.4914% | 1,068 |
| Memoranda: | ||
| Average total assets | $120,047,000 | 4,451 |
| Average earning assets | $110,371,330 | 4,438 |
| Average equity | $14,425,670 | 4,031 |
| Average total loans | $75,393,670 | 4,369 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4882% | 5,378 |
| Cost of funding earning assets | 0.6026% | 6,608 |
| Net interest margin | 3.8856% | 3,216 |
| Noninterest income to average assets | 0.4260% | 4,486 |
| Noninterest expense to average assets | 3.2171% | 2,833 |
| Loan and lease loss provision to assets | 0.0671% | 5,156 |
| Net operating income to assets | 0.8387% | 2,836 |
| Return on assets (ROA) | 0.8387% | 2,896 |
| Pretax return on assets | 0.6676% | 4,431 |
| Return on Equity (ROE) | 7.0146% | 3,374 |
| Retained earnings to average equity (ytd only) | 4.4893% | 3,480 |
| Net charge-offs to loans | 0.0319% | 4,653 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 725 |
| Efficiency ratio | 81.4092% | 2,320 |
| Assets per employee ($millions) | 3.4496% | 5,123 |
| Cash dividends to net income (ytd only)* | 36.0000% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 3,665 |
| Loan loss allowance to noncurrent loans | 67.9933% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 4,018 |
| Noncurrent loans to loans | 2.3772% | 3,113 |
| Net loans and leases to total assets | 59.4531% | 4,375 |
| Net loans and leases to deposits | 67.5972% | 4,730 |
| Net loans and leases to core deposits | 71.1664% | 4,908 |
| Total domestic deposits to total assets | 87.9520% | 2,399 |
| Equity capital to assets | 11.5568% | 2,222 |
| Core capital (leverage) ratio | 12.0521% | 1,535 |
| Tier 1 risk-based capital ratio | 23.1553% | 1,061 |
| Total risk-based capital ratio | 24.4137% | 1,050 |
| Memoranda: | ||
| Average total assets | $119,237,000 | 4,509 |
| Average earning assets | $108,195,000 | 4,524 |
| Average equity | $14,256,000 | 4,062 |
| Average total loans | $75,264,000 | 4,413 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 5,575 |
| Cost of funding earning assets | 0.7042% | 6,878 |
| Net interest margin | 4.0579% | 2,764 |
| Noninterest income to average assets | 0.6325% | 3,266 |
| Noninterest expense to average assets | 2.9105% | 4,184 |
| Loan and lease loss provision to assets | 0.3773% | 3,858 |
| Net operating income to assets | 0.8003% | 2,800 |
| Return on assets (ROA) | 0.8100% | 2,889 |
| Pretax return on assets | 1.0609% | 2,732 |
| Return on Equity (ROE) | 6.7593% | 3,232 |
| Retained earnings to average equity (ytd only) | 4.1524% | 2,943 |
| Net charge-offs to loans | 0.2747% | 4,647 |
| Credit loss provision to net charge-offs | 219.9005% | 1,362 |
| Earnings coverage of net charge-offs (x) | 8.3085% | 1,986 |
| Efficiency ratio | 67.1260% | 4,738 |
| Assets per employee ($millions) | 3.1746% | 5,729 |
| Cash dividends to net income (ytd only)* | 38.5669% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 3,623 |
| Loan loss allowance to noncurrent loans | 62.9396% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.9416% | 3,423 |
| Noncurrent loans to loans | 2.5238% | 3,004 |
| Net loans and leases to total assets | 64.9969% | 3,665 |
| Net loans and leases to deposits | 76.1721% | 3,812 |
| Net loans and leases to core deposits | 80.4826% | 4,140 |
| Total domestic deposits to total assets | 85.3290% | 3,704 |
| Equity capital to assets | 12.3899% | 1,701 |
| Core capital (leverage) ratio | 11.9919% | 1,553 |
| Tier 1 risk-based capital ratio | 22.5669% | 1,097 |
| Total risk-based capital ratio | 23.8311% | 1,077 |
| Memoranda: | ||
| Average total assets | $117,162,000 | 4,549 |
| Average earning assets | $106,928,200 | 4,534 |
| Average equity | $14,040,000 | 4,135 |
| Average total loans | $73,168,800 | 4,561 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7677% | 5,795 |
| Cost of funding earning assets | 0.7300% | 6,971 |
| Net interest margin | 4.0377% | 2,920 |
| Noninterest income to average assets | 0.6277% | 3,268 |
| Noninterest expense to average assets | 2.8887% | 4,135 |
| Loan and lease loss provision to assets | 0.3902% | 3,554 |
| Net operating income to assets | 0.7691% | 3,137 |
| Return on assets (ROA) | 0.7691% | 3,291 |
| Pretax return on assets | 1.0021% | 3,176 |
| Return on Equity (ROE) | 6.4714% | 3,591 |
| Retained earnings to average equity (ytd only) | 3.9019% | 3,720 |
| Net charge-offs to loans | 0.1929% | 4,792 |
| Credit loss provision to net charge-offs | 328.5714% | 970 |
| Earnings coverage of net charge-offs (x) | 11.7235% | 1,760 |
| Efficiency ratio | 67.4769% | 4,566 |
| Assets per employee ($millions) | 3.4375% | 5,124 |
| Cash dividends to net income (ytd only)* | 39.7059% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 3,461 |
| Loan loss allowance to noncurrent loans | 46.3802% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 2.1439% | 3,275 |
| Noncurrent loans to loans | 3.4821% | 2,282 |
| Net loans and leases to total assets | 58.9758% | 5,110 |
| Net loans and leases to deposits | 67.4024% | 5,502 |
| Net loans and leases to core deposits | 71.0460% | 5,636 |
| Total domestic deposits to total assets | 87.4981% | 2,260 |
| Equity capital to assets | 11.6445% | 2,415 |
| Core capital (leverage) ratio | 11.7803% | 1,774 |
| Tier 1 risk-based capital ratio | 21.9986% | 1,206 |
| Total risk-based capital ratio | 23.2558% | 1,178 |
| Memoranda: | ||
| Average total assets | $117,880,750 | 4,585 |
| Average earning assets | $106,659,500 | 4,600 |
| Average equity | $14,010,000 | 4,198 |
| Average total loans | $72,590,500 | 4,651 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 5,668 |
| Cost of funding earning assets | 0.7557% | 7,051 |
| Net interest margin | 4.0786% | 2,663 |
| Noninterest income to average assets | 0.7591% | 2,332 |
| Noninterest expense to average assets | 2.9398% | 3,922 |
| Loan and lease loss provision to assets | 0.5176% | 2,723 |
| Net operating income to assets | 0.7988% | 2,983 |
| Return on assets (ROA) | 0.7988% | 3,123 |
| Pretax return on assets | 1.0076% | 3,083 |
| Return on Equity (ROE) | 6.6731% | 3,451 |
| Retained earnings to average equity (ytd only) | 4.0788% | 3,484 |
| Net charge-offs to loans | 0.2553% | 4,073 |
| Credit loss provision to net charge-offs | 326.0870% | 1,121 |
| Earnings coverage of net charge-offs (x) | 9.6087% | 1,999 |
| Efficiency ratio | 65.8423% | 5,009 |
| Assets per employee ($millions) | 3.3755% | 5,248 |
| Cash dividends to net income (ytd only)* | 38.8769% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 3,386 |
| Loan loss allowance to noncurrent loans | 62.2199% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.6455% | 3,965 |
| Noncurrent loans to loans | 2.5961% | 3,043 |
| Net loans and leases to total assets | 60.1146% | 5,036 |
| Net loans and leases to deposits | 68.9026% | 5,430 |
| Net loans and leases to core deposits | 72.8134% | 5,584 |
| Total domestic deposits to total assets | 87.2457% | 2,408 |
| Equity capital to assets | 11.9154% | 2,150 |
| Core capital (leverage) ratio | 11.5993% | 1,857 |
| Tier 1 risk-based capital ratio | 22.3907% | 1,145 |
| Total risk-based capital ratio | 23.6481% | 1,118 |
| Memoranda: | ||
| Average total assets | $115,924,670 | 4,659 |
| Average earning assets | $105,330,330 | 4,658 |
| Average equity | $13,876,670 | 4,224 |
| Average total loans | $72,060,670 | 4,712 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8775% | 5,572 |
| Cost of funding earning assets | 0.7867% | 7,130 |
| Net interest margin | 4.0908% | 2,481 |
| Noninterest income to average assets | 1.1427% | 961 |
| Noninterest expense to average assets | 3.0344% | 3,546 |
| Loan and lease loss provision to assets | 0.8884% | 1,429 |
| Net operating income to assets | 0.8361% | 2,809 |
| Return on assets (ROA) | 0.8361% | 2,907 |
| Pretax return on assets | 0.9337% | 3,331 |
| Return on Equity (ROE) | 6.9684% | 3,358 |
| Retained earnings to average equity (ytd only) | 4.3552% | 3,538 |
| Net charge-offs to loans | 0.5056% | 2,553 |
| Credit loss provision to net charge-offs | 280.2198% | 1,416 |
| Earnings coverage of net charge-offs (x) | 5.7473% | 2,339 |
| Efficiency ratio | 62.4821% | 5,736 |
| Assets per employee ($millions) | 3.4710% | 5,098 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 3,621 |
| Loan loss allowance to noncurrent loans | 69.9501% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.4185% | 4,382 |
| Noncurrent loans to loans | 2.2284% | 3,487 |
| Net loans and leases to total assets | 60.0425% | 5,114 |
| Net loans and leases to deposits | 68.6555% | 5,512 |
| Net loans and leases to core deposits | 74.3432% | 5,464 |
| Total domestic deposits to total assets | 87.4548% | 2,383 |
| Equity capital to assets | 11.7640% | 2,191 |
| Core capital (leverage) ratio | 11.7469% | 1,778 |
| Tier 1 risk-based capital ratio | 21.9593% | 1,208 |
| Total risk-based capital ratio | 23.2164% | 1,189 |
| Memoranda: | ||
| Average total assets | $114,816,500 | 4,746 |
| Average earning assets | $104,233,000 | 4,754 |
| Average equity | $13,776,500 | 4,294 |
| Average total loans | $71,998,000 | 4,782 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 5,876 |
| Cost of funding earning assets | 0.9504% | 7,305 |
| Net interest margin | 4.1998% | 2,061 |
| Noninterest income to average assets | 0.4298% | 4,966 |
| Noninterest expense to average assets | 3.0655% | 3,891 |
| Loan and lease loss provision to assets | 0.1480% | 6,183 |
| Net operating income to assets | 0.8399% | 2,386 |
| Return on assets (ROA) | 0.8399% | 2,468 |
| Pretax return on assets | 1.1368% | 2,134 |
| Return on Equity (ROE) | 7.0469% | 2,773 |
| Retained earnings to average equity (ytd only) | 4.3463% | 2,195 |
| Net charge-offs to loans | 0.3708% | 4,360 |
| Credit loss provision to net charge-offs | 64.3411% | 6,575 |
| Earnings coverage of net charge-offs (x) | 5.5853% | 2,554 |
| Efficiency ratio | 70.4653% | 4,528 |
| Assets per employee ($millions) | 3.2829% | 5,530 |
| Cash dividends to net income (ytd only)* | 38.3227% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 4,587 |
| Loan loss allowance to noncurrent loans | 56.4858% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.5822% | 4,006 |
| Noncurrent loans to loans | 2.3550% | 3,221 |
| Net loans and leases to total assets | 63.6606% | 4,666 |
| Net loans and leases to deposits | 73.2262% | 5,160 |
| Net loans and leases to core deposits | 84.8403% | 5,636 |
| Total domestic deposits to total assets | 86.9369% | 2,546 |
| Equity capital to assets | 12.2469% | 1,880 |
| Core capital (leverage) ratio | 11.4750% | 1,928 |
| Tier 1 risk-based capital ratio | 21.4868% | 1,216 |
| Total risk-based capital ratio | 22.7405% | 1,191 |
| Memoranda: | ||
| Average total assets | $112,153,000 | 4,774 |
| Average earning assets | $104,695,800 | 4,710 |
| Average equity | $13,367,600 | 4,413 |
| Average total loans | $69,570,800 | 4,877 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2116% | 5,834 |
| Cost of funding earning assets | 0.9853% | 7,422 |
| Net interest margin | 4.2263% | 1,954 |
| Noninterest income to average assets | 0.4227% | 5,113 |
| Noninterest expense to average assets | 2.9721% | 4,156 |
| Loan and lease loss provision to assets | 0.1081% | 6,294 |
| Net operating income to assets | 0.9345% | 2,290 |
| Return on assets (ROA) | 0.9345% | 2,358 |
| Pretax return on assets | 1.2848% | 1,991 |
| Return on Equity (ROE) | 7.8943% | 2,689 |
| Retained earnings to average equity (ytd only) | 5.1759% | 2,387 |
| Net charge-offs to loans | 0.3268% | 4,002 |
| Credit loss provision to net charge-offs | 53.8462% | 6,256 |
| Earnings coverage of net charge-offs (x) | 6.9408% | 2,511 |
| Efficiency ratio | 68.0903% | 4,957 |
| Assets per employee ($millions) | 3.2873% | 5,435 |
| Cash dividends to net income (ytd only)* | 34.4341% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 4,058 |
| Loan loss allowance to noncurrent loans | 46.5072% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 1.9712% | 3,391 |
| Noncurrent loans to loans | 2.9673% | 2,550 |
| Net loans and leases to total assets | 60.3743% | 5,529 |
| Net loans and leases to deposits | 69.2780% | 6,002 |
| Net loans and leases to core deposits | 80.8621% | 6,281 |
| Total domestic deposits to total assets | 87.1478% | 2,104 |
| Equity capital to assets | 11.9735% | 2,253 |
| Core capital (leverage) ratio | 12.1426% | 1,737 |
| Tier 1 risk-based capital ratio | 22.0737% | 1,220 |
| Total risk-based capital ratio | 23.3272% | 1,198 |
| Memoranda: | ||
| Average total assets | $112,286,250 | 4,800 |
| Average earning assets | $104,737,250 | 4,749 |
| Average equity | $13,292,000 | 4,466 |
| Average total loans | $68,959,500 | 4,953 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2354% | 5,938 |
| Cost of funding earning assets | 1.0406% | 7,477 |
| Net interest margin | 4.1948% | 2,021 |
| Noninterest income to average assets | 0.4131% | 5,175 |
| Noninterest expense to average assets | 2.9597% | 4,254 |
| Loan and lease loss provision to assets | 0.0862% | 6,309 |
| Net operating income to assets | 0.9518% | 2,272 |
| Return on assets (ROA) | 0.9518% | 2,365 |
| Pretax return on assets | 1.3272% | 1,945 |
| Return on Equity (ROE) | 8.0727% | 2,742 |
| Retained earnings to average equity (ytd only) | 5.3158% | 2,339 |
| Net charge-offs to loans | 0.0935% | 5,247 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 24.5938% | 1,151 |
| Efficiency ratio | 67.6797% | 5,214 |
| Assets per employee ($millions) | 3.0464% | 6,014 |
| Cash dividends to net income (ytd only)* | 34.1509% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 2,967 |
| Loan loss allowance to noncurrent loans | 43.0533% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 2.4975% | 2,580 |
| Noncurrent loans to loans | 3.5914% | 1,949 |
| Net loans and leases to total assets | 61.8906% | 5,377 |
| Net loans and leases to deposits | 72.2993% | 5,695 |
| Net loans and leases to core deposits | 82.6235% | 6,190 |
| Total domestic deposits to total assets | 85.6033% | 2,959 |
| Equity capital to assets | 12.1208% | 2,137 |
| Core capital (leverage) ratio | 11.6405% | 2,011 |
| Tier 1 risk-based capital ratio | 21.9981% | 1,258 |
| Total risk-based capital ratio | 23.2548% | 1,227 |
| Memoranda: | ||
| Average total assets | $111,363,670 | 4,845 |
| Average earning assets | $105,130,670 | 4,752 |
| Average equity | $13,130,670 | 4,513 |
| Average total loans | $68,467,670 | 5,019 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1962% | 6,312 |
| Cost of funding earning assets | 1.0973% | 7,529 |
| Net interest margin | 4.0989% | 2,274 |
| Noninterest income to average assets | 0.4099% | 5,133 |
| Noninterest expense to average assets | 2.8910% | 4,184 |
| Loan and lease loss provision to assets | 0.0856% | 5,862 |
| Net operating income to assets | 0.9054% | 2,682 |
| Return on assets (ROA) | 0.9054% | 2,831 |
| Pretax return on assets | 1.3083% | 2,255 |
| Return on Equity (ROE) | 7.7857% | 3,250 |
| Retained earnings to average equity (ytd only) | 5.0270% | 3,113 |
| Net charge-offs to loans | 0.2755% | 3,020 |
| Credit loss provision to net charge-offs | 51.0638% | 4,660 |
| Earnings coverage of net charge-offs (x) | 8.3191% | 2,211 |
| Efficiency ratio | 67.4709% | 5,054 |
| Assets per employee ($millions) | 3.2711% | 5,397 |
| Cash dividends to net income (ytd only)* | 35.4331% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 2,970 |
| Loan loss allowance to noncurrent loans | 53.5733% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 1.8395% | 3,158 |
| Noncurrent loans to loans | 2.8055% | 2,333 |
| Net loans and leases to total assets | 58.7857% | 5,835 |
| Net loans and leases to deposits | 67.1295% | 6,258 |
| Net loans and leases to core deposits | 76.2715% | 6,659 |
| Total domestic deposits to total assets | 87.5706% | 1,937 |
| Equity capital to assets | 11.5183% | 2,577 |
| Core capital (leverage) ratio | 11.5310% | 2,126 |
| Tier 1 risk-based capital ratio | 21.1343% | 1,431 |
| Total risk-based capital ratio | 22.3903% | 1,398 |
| Memoranda: | ||
| Average total assets | $112,210,000 | 4,846 |
| Average earning assets | $106,077,500 | 4,747 |
| Average equity | $13,049,500 | 4,568 |
| Average total loans | $68,230,500 | 5,044 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5970% | 7,076 |
| Cost of funding earning assets | 1.4503% | 7,684 |
| Net interest margin | 4.1467% | 2,515 |
| Noninterest income to average assets | 0.4383% | 5,130 |
| Noninterest expense to average assets | 2.7658% | 4,984 |
| Loan and lease loss provision to assets | 0.0869% | 6,297 |
| Net operating income to assets | 1.0170% | 2,490 |
| Return on assets (ROA) | 1.0170% | 2,378 |
| Pretax return on assets | 1.4853% | 1,721 |
| Return on Equity (ROE) | 9.0736% | 2,617 |
| Retained earnings to average equity (ytd only) | 6.0841% | 1,493 |
| Net charge-offs to loans | 0.2453% | 3,818 |
| Credit loss provision to net charge-offs | 58.5366% | 6,249 |
| Earnings coverage of net charge-offs (x) | 10.5854% | 2,491 |
| Efficiency ratio | 63.7578% | 5,613 |
| Assets per employee ($millions) | 3.1409% | 5,649 |
| Cash dividends to net income (ytd only)* | 32.9475% | 4,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 2,493 |
| Loan loss allowance to noncurrent loans | 56.0299% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 1.8766% | 2,623 |
| Noncurrent loans to loans | 2.7505% | 1,971 |
| Net loans and leases to total assets | 61.0208% | 5,767 |
| Net loans and leases to deposits | 76.5759% | 5,519 |
| Net loans and leases to core deposits | 84.1470% | 6,280 |
| Total domestic deposits to total assets | 79.6867% | 5,140 |
| Equity capital to assets | 11.7453% | 2,471 |
| Core capital (leverage) ratio | 11.3946% | 2,315 |
| Tier 1 risk-based capital ratio | 21.0812% | 1,449 |
| Total risk-based capital ratio | 22.3368% | 1,416 |
| Memoranda: | ||
| Average total assets | $110,418,400 | 4,766 |
| Average earning assets | $103,841,400 | 4,688 |
| Average equity | $12,376,600 | 4,734 |
| Average total loans | $66,865,800 | 4,986 |