Home > Bank of Salem > Performance and Condition Ratios
Bank of Salem, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8125% | 817 |
| Cost of funding earning assets | 1.6023% | 1,685 |
| Net interest margin | 4.2102% | 920 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.6503% | 1,871 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.7296% | 692 |
| Return on assets (ROA) | 1.7296% | 664 |
| Pretax return on assets | 1.8096% | 878 |
| Return on Equity (ROE) | 15.9800% | 1,098 |
| Retained earnings to average equity (ytd only) | 4.5469% | 2,775 |
| Net charge-offs to loans | -0.0008% | 3,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.0546% | 3,183 |
| Assets per employee ($millions) | 4.6396% | 3,860 |
| Cash dividends to net income (ytd only)* | 71.5534% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 500 |
| Loan loss allowance to noncurrent loans | 792.8803% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 2,396 |
| Noncurrent loans to loans | 0.2321% | 2,381 |
| Net loans and leases to total assets | 72.2200% | 1,553 |
| Net loans and leases to deposits | 81.4032% | 1,996 |
| Net loans and leases to core deposits | 91.5588% | 1,942 |
| Total domestic deposits to total assets | 88.7100% | 1,153 |
| Equity capital to assets | 11.1775% | 1,407 |
| Core capital (leverage) ratio | 11.6514% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $178,657,800 | 3,136 |
| Average earning assets | $166,263,200 | 3,131 |
| Average equity | $19,331,800 | 2,918 |
| Average total loans | $127,289,000 | 2,880 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 6,801.0000% | 8 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 43.0000% | 43 |
| Cost of funding earning assets | 27.0000% | 29 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.8560% | 587 |
| Pretax return on assets | 1.9481% | 804 |
| Return on Equity (ROE) | 17.3000% | 1,032 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0052% | 2,274 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,882 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.4017% | 4,557 |
| Cash dividends to net income (ytd only)* | 3.8229% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0101% | 4,484 |
| Total domestic deposits to total assets | 48.0000% | 4,504 |
| Equity capital to assets | 7,647.0000% | 27 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,739,000 | 4,613 |
| Average earning assets | $6,657 | 4,600 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5188% | 808 |
| Cost of funding earning assets | 1.4171% | 1,402 |
| Net interest margin | 4.1016% | 1,086 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.4634% | 2,310 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.8082% | 648 |
| Return on assets (ROA) | 1.8082% | 648 |
| Pretax return on assets | 1.9015% | 863 |
| Return on Equity (ROE) | 16.8600% | 1,122 |
| Retained earnings to average equity (ytd only) | -0.9116% | 4,206 |
| Net charge-offs to loans | -0.0064% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.3207% | 3,375 |
| Assets per employee ($millions) | 4.6521% | 3,860 |
| Cash dividends to net income (ytd only)* | 105.4071% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8937% | 503 |
| Loan loss allowance to noncurrent loans | 544.0181% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 1,946 |
| Noncurrent loans to loans | 0.3481% | 1,885 |
| Net loans and leases to total assets | 70.6300% | 1,675 |
| Net loans and leases to deposits | 79.2059% | 2,034 |
| Net loans and leases to core deposits | 87.4955% | 1,967 |
| Total domestic deposits to total assets | 89.1700% | 1,189 |
| Equity capital to assets | 10.7174% | 1,504 |
| Core capital (leverage) ratio | 11.3661% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $177,964,000 | 3,153 |
| Average earning assets | $165,544,667 | 3,153 |
| Average equity | $19,087,000 | 2,938 |
| Average total loans | $124,687,333 | 2,901 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3022% | 828 |
| Cost of funding earning assets | 1.3057% | 1,217 |
| Net interest margin | 3.9965% | 1,269 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.3791% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8078% | 656 |
| Return on assets (ROA) | 1.8078% | 646 |
| Pretax return on assets | 1.9042% | 906 |
| Return on Equity (ROE) | 16.8500% | 1,203 |
| Retained earnings to average equity (ytd only) | 7.1408% | 2,456 |
| Net charge-offs to loans | -0.0065% | 3,716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.5439% | 3,452 |
| Assets per employee ($millions) | 4.7091% | 3,882 |
| Cash dividends to net income (ytd only)* | 57.6208% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9234% | 507 |
| Loan loss allowance to noncurrent loans | 573.0310% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 1,943 |
| Noncurrent loans to loans | 0.3356% | 1,948 |
| Net loans and leases to total assets | 68.4200% | 1,791 |
| Net loans and leases to deposits | 76.8641% | 2,050 |
| Net loans and leases to core deposits | 83.4342% | 2,027 |
| Total domestic deposits to total assets | 89.0100% | 1,543 |
| Equity capital to assets | 10.8687% | 1,389 |
| Core capital (leverage) ratio | 11.5795% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $178,557,000 | 3,188 |
| Average earning assets | $166,043,500 | 3,181 |
| Average equity | $19,157,500 | 2,960 |
| Average total loans | $123,397,500 | 2,945 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8066% | 425 |
| Cost of funding earning assets | 0.5601% | 1,065 |
| Net interest margin | 4.2466% | 472 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.5629% | 1,930 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.8340% | 406 |
| Return on assets (ROA) | 1.8340% | 389 |
| Pretax return on assets | 1.9077% | 573 |
| Return on Equity (ROE) | 17.9000% | 718 |
| Retained earnings to average equity (ytd only) | 6.0515% | 2,623 |
| Net charge-offs to loans | 0.0425% | 1,267 |
| Credit loss provision to net charge-offs | 20.0000% | 1,931 |
| Earnings coverage of net charge-offs (x) | 68.5600% | 1,173 |
| Efficiency ratio | 57.2569% | 3,434 |
| Assets per employee ($millions) | 4.6887% | 3,908 |
| Cash dividends to net income (ytd only)* | 66.1899% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9752% | 448 |
| Loan loss allowance to noncurrent loans | 698.2609% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 2,204 |
| Noncurrent loans to loans | 0.2829% | 2,137 |
| Net loans and leases to total assets | 67.1000% | 1,921 |
| Net loans and leases to deposits | 75.1148% | 2,168 |
| Net loans and leases to core deposits | 80.7462% | 2,093 |
| Total domestic deposits to total assets | 89.3300% | 1,624 |
| Equity capital to assets | 10.5888% | 1,413 |
| Core capital (leverage) ratio | 11.3247% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $179,168,800 | 3,200 |
| Average earning assets | $166,770,200 | 3,189 |
| Average equity | $18,359,200 | 3,094 |
| Average total loans | $117,599,000 | 2,948 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 367 |
| Cost of funding earning assets | 0.4463% | 1,000 |
| Net interest margin | 4.2326% | 388 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.4263% | 2,239 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.9730% | 300 |
| Return on assets (ROA) | 1.9730% | 299 |
| Pretax return on assets | 2.0369% | 432 |
| Return on Equity (ROE) | 19.4200% | 485 |
| Retained earnings to average equity (ytd only) | 3.5101% | 3,613 |
| Net charge-offs to loans | 0.0561% | 923 |
| Credit loss provision to net charge-offs | 20.4082% | 1,627 |
| Earnings coverage of net charge-offs (x) | 56.1429% | 1,222 |
| Efficiency ratio | 54.2719% | 3,798 |
| Assets per employee ($millions) | 4.6113% | 3,971 |
| Cash dividends to net income (ytd only)* | 81.9209% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0487% | 465 |
| Loan loss allowance to noncurrent loans | 512.7660% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 1,914 |
| Noncurrent loans to loans | 0.3995% | 1,818 |
| Net loans and leases to total assets | 64.0700% | 2,076 |
| Net loans and leases to deposits | 71.2657% | 2,266 |
| Net loans and leases to core deposits | 76.2112% | 2,180 |
| Total domestic deposits to total assets | 89.9100% | 1,703 |
| Equity capital to assets | 9.9461% | 1,653 |
| Core capital (leverage) ratio | 10.7529% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $179,418,750 | 3,216 |
| Average earning assets | $167,015,750 | 3,205 |
| Average equity | $18,232,500 | 3,143 |
| Average total loans | $116,508,500 | 2,966 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 330 |
| Cost of funding earning assets | 0.4205% | 800 |
| Net interest margin | 4.1540% | 365 |
| Noninterest income to average assets | 0.5455% | 1,967 |
| Noninterest expense to average assets | 2.4152% | 2,181 |
| Loan and lease loss provision to assets | 0.0112% | 2,389 |
| Net operating income to assets | 1.9366% | 256 |
| Return on assets (ROA) | 1.9366% | 254 |
| Pretax return on assets | 1.9869% | 392 |
| Return on Equity (ROE) | 18.9234% | 392 |
| Retained earnings to average equity (ytd only) | 0.1199% | 4,163 |
| Net charge-offs to loans | 0.0982% | 598 |
| Credit loss provision to net charge-offs | 17.5439% | 1,613 |
| Earnings coverage of net charge-offs (x) | 31.4211% | 1,368 |
| Efficiency ratio | 54.7270% | 3,891 |
| Assets per employee ($millions) | 4.8104% | 3,840 |
| Cash dividends to net income (ytd only)* | 99.3664% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1114% | 442 |
| Loan loss allowance to noncurrent loans | 700.2915% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 2,414 |
| Noncurrent loans to loans | 0.3015% | 2,254 |
| Net loans and leases to total assets | 60.9205% | 2,226 |
| Net loans and leases to deposits | 67.5989% | 2,424 |
| Net loans and leases to core deposits | 72.7513% | 2,255 |
| Total domestic deposits to total assets | 90.1206% | 1,666 |
| Equity capital to assets | 9.7733% | 1,835 |
| Core capital (leverage) ratio | 10.5451% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,278,667 | 3,253 |
| Average earning assets | $166,925,333 | 3,250 |
| Average equity | $18,347,667 | 3,201 |
| Average total loans | $116,132,667 | 2,987 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5524% | 285 |
| Cost of funding earning assets | 0.4363% | 700 |
| Net interest margin | 4.1161% | 327 |
| Noninterest income to average assets | 0.5633% | 1,852 |
| Noninterest expense to average assets | 2.4155% | 2,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9739% | 235 |
| Return on assets (ROA) | 1.9739% | 237 |
| Pretax return on assets | 1.9739% | 381 |
| Return on Equity (ROE) | 18.8499% | 289 |
| Retained earnings to average equity (ytd only) | 2.7113% | 3,361 |
| Net charge-offs to loans | 0.0409% | 874 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 782 |
| Efficiency ratio | 55.0308% | 3,971 |
| Assets per employee ($millions) | 4.8012% | 3,925 |
| Cash dividends to net income (ytd only)* | 85.6164% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0987% | 520 |
| Loan loss allowance to noncurrent loans | 501.4403% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 2,036 |
| Noncurrent loans to loans | 0.4185% | 1,988 |
| Net loans and leases to total assets | 63.9952% | 1,621 |
| Net loans and leases to deposits | 71.3829% | 1,830 |
| Net loans and leases to core deposits | 77.2193% | 1,678 |
| Total domestic deposits to total assets | 89.6506% | 1,741 |
| Equity capital to assets | 10.2627% | 1,713 |
| Core capital (leverage) ratio | 10.8212% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,521,000 | 3,277 |
| Average earning assets | $165,012,000 | 3,281 |
| Average equity | $18,589,000 | 3,274 |
| Average total loans | $117,318,500 | 2,965 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 234 |
| Cost of funding earning assets | 0.5878% | 580 |
| Net interest margin | 4.5088% | 270 |
| Noninterest income to average assets | 0.5918% | 2,197 |
| Noninterest expense to average assets | 2.5596% | 1,994 |
| Loan and lease loss provision to assets | 0.0494% | 2,070 |
| Net operating income to assets | 2.1571% | 264 |
| Return on assets (ROA) | 2.1571% | 279 |
| Pretax return on assets | 2.1571% | 449 |
| Return on Equity (ROE) | 20.2581% | 300 |
| Retained earnings to average equity (ytd only) | 7.1672% | 1,853 |
| Net charge-offs to loans | -0.1260% | 4,631 |
| Credit loss provision to net charge-offs | -57.4324% | 3,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7046% | 3,963 |
| Assets per employee ($millions) | 4.5487% | 4,081 |
| Cash dividends to net income (ytd only)* | 64.6204% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0664% | 555 |
| Loan loss allowance to noncurrent loans | 283.1214% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 1,366 |
| Noncurrent loans to loans | 0.7299% | 1,396 |
| Net loans and leases to total assets | 65.4277% | 1,541 |
| Net loans and leases to deposits | 73.3021% | 1,792 |
| Net loans and leases to core deposits | 79.5466% | 1,638 |
| Total domestic deposits to total assets | 89.2575% | 1,376 |
| Equity capital to assets | 10.6804% | 2,024 |
| Core capital (leverage) ratio | 10.8878% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,177,000 | 3,280 |
| Average earning assets | $159,398,400 | 3,286 |
| Average equity | $18,333,400 | 3,361 |
| Average total loans | $117,458,400 | 2,971 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2210% | 218 |
| Cost of funding earning assets | 0.6248% | 560 |
| Net interest margin | 4.5962% | 268 |
| Noninterest income to average assets | 0.5993% | 2,219 |
| Noninterest expense to average assets | 2.5079% | 2,099 |
| Loan and lease loss provision to assets | 0.0661% | 1,674 |
| Net operating income to assets | 2.2785% | 279 |
| Return on assets (ROA) | 2.2785% | 296 |
| Pretax return on assets | 2.2785% | 483 |
| Return on Equity (ROE) | 21.4149% | 331 |
| Retained earnings to average equity (ytd only) | 5.6471% | 2,982 |
| Net charge-offs to loans | -0.1672% | 4,743 |
| Credit loss provision to net charge-offs | -57.8231% | 3,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6803% | 4,054 |
| Assets per employee ($millions) | 4.6846% | 3,979 |
| Cash dividends to net income (ytd only)* | 73.6301% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0809% | 559 |
| Loan loss allowance to noncurrent loans | 195.1394% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 1,018 |
| Noncurrent loans to loans | 1.0664% | 1,063 |
| Net loans and leases to total assets | 66.4851% | 1,487 |
| Net loans and leases to deposits | 74.5689% | 1,803 |
| Net loans and leases to core deposits | 80.9301% | 1,658 |
| Total domestic deposits to total assets | 89.1593% | 1,193 |
| Equity capital to assets | 10.6583% | 2,310 |
| Core capital (leverage) ratio | 10.6460% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,871,500 | 3,329 |
| Average earning assets | $158,127,750 | 3,329 |
| Average equity | $18,180,000 | 3,414 |
| Average total loans | $117,193,750 | 3,016 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 187 |
| Cost of funding earning assets | 0.6686% | 524 |
| Net interest margin | 4.7716% | 230 |
| Noninterest income to average assets | 0.6327% | 2,076 |
| Noninterest expense to average assets | 2.4945% | 2,163 |
| Loan and lease loss provision to assets | 0.1000% | 1,268 |
| Net operating income to assets | 2.4451% | 237 |
| Return on assets (ROA) | 2.4451% | 252 |
| Pretax return on assets | 2.4451% | 386 |
| Return on Equity (ROE) | 22.9952% | 264 |
| Retained earnings to average equity (ytd only) | 5.8511% | 2,865 |
| Net charge-offs to loans | -0.0068% | 3,529 |
| Credit loss provision to net charge-offs | -2,125.0000% | 3,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4982% | 4,272 |
| Assets per employee ($millions) | 4.5209% | 4,090 |
| Cash dividends to net income (ytd only)* | 74.5551% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9825% | 627 |
| Loan loss allowance to noncurrent loans | 168.2182% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.8004% | 1,010 |
| Noncurrent loans to loans | 1.1785% | 1,025 |
| Net loans and leases to total assets | 66.5650% | 1,622 |
| Net loans and leases to deposits | 74.5889% | 1,943 |
| Net loans and leases to core deposits | 81.6712% | 1,751 |
| Total domestic deposits to total assets | 89.2425% | 1,167 |
| Equity capital to assets | 10.6068% | 2,302 |
| Core capital (leverage) ratio | 10.4901% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,052,333 | 3,339 |
| Average earning assets | $157,055,000 | 3,338 |
| Average equity | $18,082,000 | 3,421 |
| Average total loans | $117,029,333 | 3,035 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5946% | 175 |
| Cost of funding earning assets | 0.7032% | 542 |
| Net interest margin | 4.8914% | 214 |
| Noninterest income to average assets | 0.5769% | 2,304 |
| Noninterest expense to average assets | 2.5771% | 1,943 |
| Loan and lease loss provision to assets | 0.1182% | 1,155 |
| Net operating income to assets | 2.3714% | 327 |
| Return on assets (ROA) | 2.3714% | 353 |
| Pretax return on assets | 2.3714% | 541 |
| Return on Equity (ROE) | 22.2740% | 376 |
| Retained earnings to average equity (ytd only) | 13.3911% | 837 |
| Net charge-offs to loans | 0.0034% | 1,804 |
| Credit loss provision to net charge-offs | 5,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 1,053.0000% | 91 |
| Efficiency ratio | 50.8633% | 4,110 |
| Assets per employee ($millions) | 4.6688% | 3,962 |
| Cash dividends to net income (ytd only)* | 39.8804% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 684 |
| Loan loss allowance to noncurrent loans | 193.4468% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 1,379 |
| Noncurrent loans to loans | 1.0031% | 1,334 |
| Net loans and leases to total assets | 66.4942% | 1,734 |
| Net loans and leases to deposits | 74.4848% | 2,071 |
| Net loans and leases to core deposits | 80.6768% | 1,941 |
| Total domestic deposits to total assets | 89.2721% | 1,187 |
| Equity capital to assets | 10.5843% | 2,184 |
| Core capital (leverage) ratio | 10.9460% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,180,500 | 3,344 |
| Average earning assets | $155,291,500 | 3,360 |
| Average equity | $18,012,000 | 3,418 |
| Average total loans | $117,209,500 | 3,037 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5117% | 184 |
| Cost of funding earning assets | 0.9656% | 680 |
| Net interest margin | 4.5461% | 299 |
| Noninterest income to average assets | 0.6966% | 1,872 |
| Noninterest expense to average assets | 2.6565% | 2,367 |
| Loan and lease loss provision to assets | 0.1422% | 2,580 |
| Net operating income to assets | 2.0872% | 224 |
| Return on assets (ROA) | 2.0872% | 241 |
| Pretax return on assets | 2.0872% | 371 |
| Return on Equity (ROE) | 19.1635% | 271 |
| Retained earnings to average equity (ytd only) | 5.8143% | 1,889 |
| Net charge-offs to loans | 0.0523% | 2,045 |
| Credit loss provision to net charge-offs | 354.8387% | 1,568 |
| Earnings coverage of net charge-offs (x) | 55.6452% | 1,112 |
| Efficiency ratio | 54.3711% | 4,170 |
| Assets per employee ($millions) | 4.3583% | 4,065 |
| Cash dividends to net income (ytd only)* | 69.6594% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8963% | 733 |
| Loan loss allowance to noncurrent loans | 144.2283% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.9371% | 1,034 |
| Noncurrent loans to loans | 1.3148% | 1,035 |
| Net loans and leases to total assets | 69.4720% | 1,622 |
| Net loans and leases to deposits | 77.8710% | 2,088 |
| Net loans and leases to core deposits | 83.3491% | 2,092 |
| Total domestic deposits to total assets | 89.2141% | 889 |
| Equity capital to assets | 10.7116% | 2,509 |
| Core capital (leverage) ratio | 10.7368% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,753,400 | 3,345 |
| Average earning assets | $142,605,000 | 3,353 |
| Average equity | $16,855,000 | 3,463 |
| Average total loans | $118,574,400 | 2,996 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6561% | 166 |
| Cost of funding earning assets | 1.0235% | 703 |
| Net interest margin | 4.6326% | 291 |
| Noninterest income to average assets | 0.7419% | 1,670 |
| Noninterest expense to average assets | 2.7045% | 2,241 |
| Loan and lease loss provision to assets | 0.1052% | 3,002 |
| Net operating income to assets | 2.2108% | 202 |
| Return on assets (ROA) | 2.2108% | 221 |
| Pretax return on assets | 2.2108% | 337 |
| Return on Equity (ROE) | 20.2074% | 231 |
| Retained earnings to average equity (ytd only) | 2.1722% | 3,866 |
| Net charge-offs to loans | 0.0684% | 1,637 |
| Credit loss provision to net charge-offs | 196.7213% | 2,129 |
| Earnings coverage of net charge-offs (x) | 43.2951% | 1,300 |
| Efficiency ratio | 53.8690% | 4,161 |
| Assets per employee ($millions) | 4.2235% | 4,120 |
| Cash dividends to net income (ytd only)* | 89.2503% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 705 |
| Loan loss allowance to noncurrent loans | 231.2296% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 1,986 |
| Noncurrent loans to loans | 0.7831% | 1,866 |
| Net loans and leases to total assets | 71.7955% | 1,696 |
| Net loans and leases to deposits | 80.5590% | 2,255 |
| Net loans and leases to core deposits | 88.9261% | 2,072 |
| Total domestic deposits to total assets | 89.1216% | 718 |
| Equity capital to assets | 10.6055% | 2,701 |
| Core capital (leverage) ratio | 10.6386% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,038,000 | 3,363 |
| Average earning assets | $140,423,000 | 3,363 |
| Average equity | $16,633,750 | 3,488 |
| Average total loans | $118,898,000 | 3,004 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7786% | 195 |
| Cost of funding earning assets | 1.0838% | 745 |
| Net interest margin | 4.6947% | 346 |
| Noninterest income to average assets | 0.5763% | 2,226 |
| Noninterest expense to average assets | 2.7530% | 2,202 |
| Loan and lease loss provision to assets | 0.0804% | 3,281 |
| Net operating income to assets | 2.0855% | 271 |
| Return on assets (ROA) | 2.0855% | 306 |
| Pretax return on assets | 2.0855% | 456 |
| Return on Equity (ROE) | 18.8553% | 315 |
| Retained earnings to average equity (ytd only) | -3.5626% | 4,697 |
| Net charge-offs to loans | -0.0251% | 4,479 |
| Credit loss provision to net charge-offs | -400.0000% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9673% | 3,950 |
| Assets per employee ($millions) | 4.1321% | 4,170 |
| Cash dividends to net income (ytd only)* | 118.8946% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7880% | 674 |
| Loan loss allowance to noncurrent loans | 113.6870% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.2177% | 890 |
| Noncurrent loans to loans | 1.5727% | 949 |
| Net loans and leases to total assets | 74.9651% | 1,284 |
| Net loans and leases to deposits | 83.9701% | 2,001 |
| Net loans and leases to core deposits | 92.4848% | 1,864 |
| Total domestic deposits to total assets | 89.2760% | 653 |
| Equity capital to assets | 10.4750% | 2,762 |
| Core capital (leverage) ratio | 10.5783% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,220,000 | 3,373 |
| Average earning assets | $138,027,333 | 3,371 |
| Average equity | $16,504,667 | 3,502 |
| Average total loans | $119,413,667 | 2,988 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9274% | 175 |
| Cost of funding earning assets | 1.1497% | 909 |
| Net interest margin | 4.7776% | 287 |
| Noninterest income to average assets | 0.6083% | 2,008 |
| Noninterest expense to average assets | 2.9810% | 1,930 |
| Loan and lease loss provision to assets | 0.0688% | 2,891 |
| Net operating income to assets | 1.9736% | 286 |
| Return on assets (ROA) | 1.9736% | 315 |
| Pretax return on assets | 1.9736% | 479 |
| Return on Equity (ROE) | 17.3471% | 304 |
| Retained earnings to average equity (ytd only) | -6.8469% | 4,638 |
| Net charge-offs to loans | -0.1376% | 4,885 |
| Credit loss provision to net charge-offs | -60.9756% | 3,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3425% | 3,825 |
| Assets per employee ($millions) | 3.8351% | 4,134 |
| Cash dividends to net income (ytd only)* | 139.4700% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7773% | 743 |
| Loan loss allowance to noncurrent loans | 160.2102% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.1055% | 1,178 |
| Noncurrent loans to loans | 1.1094% | 1,495 |
| Net loans and leases to total assets | 80.9259% | 574 |
| Net loans and leases to deposits | 91.4459% | 1,347 |
| Net loans and leases to core deposits | 101.5770% | 1,356 |
| Total domestic deposits to total assets | 88.4960% | 882 |
| Equity capital to assets | 11.2563% | 2,632 |
| Core capital (leverage) ratio | 11.2647% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,319,500 | 3,388 |
| Average earning assets | $134,292,000 | 3,394 |
| Average equity | $16,533,000 | 3,511 |
| Average total loans | $119,193,500 | 2,967 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7944% | 330 |
| Cost of funding earning assets | 1.1238% | 1,244 |
| Net interest margin | 4.6706% | 502 |
| Noninterest income to average assets | 0.6598% | 1,967 |
| Noninterest expense to average assets | 2.9932% | 2,038 |
| Loan and lease loss provision to assets | 0.0534% | 2,963 |
| Net operating income to assets | 1.5027% | 1,047 |
| Return on assets (ROA) | 1.5027% | 1,111 |
| Pretax return on assets | 1.9188% | 716 |
| Return on Equity (ROE) | 12.9030% | 1,196 |
| Retained earnings to average equity (ytd only) | 6.7849% | 1,490 |
| Net charge-offs to loans | 0.2346% | 870 |
| Credit loss provision to net charge-offs | 28.5171% | 3,281 |
| Earnings coverage of net charge-offs (x) | 10.5247% | 2,564 |
| Efficiency ratio | 60.2812% | 3,650 |
| Assets per employee ($millions) | 3.9164% | 4,013 |
| Cash dividends to net income (ytd only)* | 47.4158% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 722 |
| Loan loss allowance to noncurrent loans | 156.4297% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 1.1048% | 1,103 |
| Noncurrent loans to loans | 1.1173% | 1,352 |
| Net loans and leases to total assets | 80.2239% | 753 |
| Net loans and leases to deposits | 90.8452% | 1,499 |
| Net loans and leases to core deposits | 101.1785% | 1,470 |
| Total domestic deposits to total assets | 88.3084% | 976 |
| Equity capital to assets | 11.4984% | 2,527 |
| Core capital (leverage) ratio | 11.3584% | 2,208 |
| Tier 1 risk-based capital ratio | 14.5834% | 2,971 |
| Total risk-based capital ratio | 15.8397% | 2,871 |
| Memoranda: | ||
| Average total assets | $140,350,800 | 3,430 |
| Average earning assets | $129,382,600 | 3,435 |
| Average equity | $16,345,000 | 3,514 |
| Average total loans | $112,096,400 | 3,053 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7474% | 385 |
| Cost of funding earning assets | 1.0993% | 1,362 |
| Net interest margin | 4.6480% | 552 |
| Noninterest income to average assets | 0.6465% | 2,003 |
| Noninterest expense to average assets | 2.8646% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5008% | 1,182 |
| Return on assets (ROA) | 1.5008% | 1,243 |
| Pretax return on assets | 2.0620% | 598 |
| Return on Equity (ROE) | 12.8447% | 1,342 |
| Retained earnings to average equity (ytd only) | 4.6477% | 3,082 |
| Net charge-offs to loans | 0.0555% | 2,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 46.8056% | 1,245 |
| Efficiency ratio | 58.1454% | 3,915 |
| Assets per employee ($millions) | 4.1006% | 3,757 |
| Cash dividends to net income (ytd only)* | 63.8162% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9304% | 529 |
| Loan loss allowance to noncurrent loans | 151.0595% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 1.2138% | 1,040 |
| Noncurrent loans to loans | 1.2779% | 1,219 |
| Net loans and leases to total assets | 78.2284% | 1,103 |
| Net loans and leases to deposits | 88.5596% | 1,858 |
| Net loans and leases to core deposits | 97.0834% | 1,893 |
| Total domestic deposits to total assets | 88.3342% | 901 |
| Equity capital to assets | 11.2262% | 2,899 |
| Core capital (leverage) ratio | 11.4113% | 2,290 |
| Tier 1 risk-based capital ratio | 14.4480% | 3,105 |
| Total risk-based capital ratio | 15.7068% | 3,016 |
| Memoranda: | ||
| Average total assets | $139,211,750 | 3,480 |
| Average earning assets | $128,194,000 | 3,486 |
| Average equity | $16,265,750 | 3,550 |
| Average total loans | $110,541,000 | 3,111 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7029% | 407 |
| Cost of funding earning assets | 1.0694% | 1,420 |
| Net interest margin | 4.6335% | 575 |
| Noninterest income to average assets | 0.6547% | 1,896 |
| Noninterest expense to average assets | 2.8365% | 2,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5097% | 1,123 |
| Return on assets (ROA) | 1.5097% | 1,174 |
| Pretax return on assets | 2.0889% | 566 |
| Return on Equity (ROE) | 12.7474% | 1,322 |
| Retained earnings to average equity (ytd only) | 12.7474% | 326 |
| Net charge-offs to loans | 0.0897% | 1,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 29.3673% | 1,485 |
| Efficiency ratio | 57.5892% | 4,059 |
| Assets per employee ($millions) | 3.5793% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0243% | 453 |
| Loan loss allowance to noncurrent loans | 163.6027% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.1663% | 1,157 |
| Noncurrent loans to loans | 1.2373% | 1,289 |
| Net loans and leases to total assets | 76.5223% | 1,464 |
| Net loans and leases to deposits | 87.4383% | 2,066 |
| Net loans and leases to core deposits | 95.9524% | 2,076 |
| Total domestic deposits to total assets | 87.5158% | 1,334 |
| Equity capital to assets | 12.0773% | 2,128 |
| Core capital (leverage) ratio | 12.0958% | 1,762 |
| Tier 1 risk-based capital ratio | 15.7405% | 2,525 |
| Total risk-based capital ratio | 17.0000% | 2,461 |
| Memoranda: | ||
| Average total assets | $137,775,000 | 3,517 |
| Average earning assets | $126,988,330 | 3,518 |
| Average equity | $16,317,000 | 3,534 |
| Average total loans | $109,226,330 | 3,150 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6087% | 424 |
| Cost of funding earning assets | 1.0304% | 1,449 |
| Net interest margin | 4.5783% | 637 |
| Noninterest income to average assets | 0.6313% | 1,904 |
| Noninterest expense to average assets | 2.8057% | 2,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5139% | 1,078 |
| Return on assets (ROA) | 1.5139% | 1,107 |
| Pretax return on assets | 2.0458% | 590 |
| Return on Equity (ROE) | 12.9129% | 1,246 |
| Retained earnings to average equity (ytd only) | 12.9129% | 473 |
| Net charge-offs to loans | 0.0183% | 2,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 532 |
| Efficiency ratio | 57.8313% | 4,104 |
| Assets per employee ($millions) | 3.8565% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0729% | 435 |
| Loan loss allowance to noncurrent loans | 137.7601% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.4233% | 865 |
| Noncurrent loans to loans | 1.5047% | 1,069 |
| Net loans and leases to total assets | 76.5958% | 1,384 |
| Net loans and leases to deposits | 87.1462% | 1,982 |
| Net loans and leases to core deposits | 94.5960% | 2,072 |
| Total domestic deposits to total assets | 87.8935% | 1,395 |
| Equity capital to assets | 11.7550% | 2,184 |
| Core capital (leverage) ratio | 11.8881% | 1,839 |
| Tier 1 risk-based capital ratio | 15.3408% | 2,729 |
| Total risk-based capital ratio | 16.6009% | 2,643 |
| Memoranda: | ||
| Average total assets | $136,866,500 | 3,564 |
| Average earning assets | $126,161,500 | 3,569 |
| Average equity | $16,046,000 | 3,578 |
| Average total loans | $109,326,500 | 3,181 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6332% | 313 |
| Cost of funding earning assets | 0.8029% | 1,510 |
| Net interest margin | 4.8303% | 372 |
| Noninterest income to average assets | 0.6324% | 2,143 |
| Noninterest expense to average assets | 2.9634% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5171% | 1,077 |
| Return on assets (ROA) | 1.5171% | 1,061 |
| Pretax return on assets | 2.0861% | 455 |
| Return on Equity (ROE) | 13.3753% | 1,208 |
| Retained earnings to average equity (ytd only) | 6.2193% | 2,081 |
| Net charge-offs to loans | 0.0009% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 2,827.0000% | 28 |
| Efficiency ratio | 58.6877% | 4,050 |
| Assets per employee ($millions) | 3.6459% | 4,393 |
| Cash dividends to net income (ytd only)* | 53.5019% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0498% | 434 |
| Loan loss allowance to noncurrent loans | 163.3599% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 1.1134% | 1,201 |
| Noncurrent loans to loans | 1.2548% | 1,269 |
| Net loans and leases to total assets | 79.9153% | 954 |
| Net loans and leases to deposits | 90.7205% | 1,710 |
| Net loans and leases to core deposits | 98.7596% | 1,812 |
| Total domestic deposits to total assets | 88.0896% | 1,258 |
| Equity capital to assets | 11.6917% | 2,101 |
| Core capital (leverage) ratio | 11.6523% | 1,989 |
| Tier 1 risk-based capital ratio | 15.1333% | 2,764 |
| Total risk-based capital ratio | 16.3940% | 2,695 |
| Memoranda: | ||
| Average total assets | $135,518,000 | 3,572 |
| Average earning assets | $123,926,600 | 3,589 |
| Average equity | $15,371,600 | 3,594 |
| Average total loans | $109,366,000 | 3,140 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6040% | 296 |
| Cost of funding earning assets | 0.7514% | 1,577 |
| Net interest margin | 4.8526% | 339 |
| Noninterest income to average assets | 0.5946% | 2,339 |
| Noninterest expense to average assets | 2.9826% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4554% | 1,312 |
| Return on assets (ROA) | 1.4554% | 1,309 |
| Pretax return on assets | 2.0421% | 562 |
| Return on Equity (ROE) | 12.9301% | 1,457 |
| Retained earnings to average equity (ytd only) | 3.3264% | 4,087 |
| Net charge-offs to loans | 0.0012% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2,083.1579% | 27 |
| Efficiency ratio | 59.3585% | 3,912 |
| Assets per employee ($millions) | 3.5324% | 4,518 |
| Cash dividends to net income (ytd only)* | 74.2740% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0531% | 440 |
| Loan loss allowance to noncurrent loans | 139.0875% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.3209% | 1,023 |
| Noncurrent loans to loans | 1.4761% | 1,102 |
| Net loans and leases to total assets | 80.1818% | 990 |
| Net loans and leases to deposits | 90.8276% | 1,790 |
| Net loans and leases to core deposits | 98.3605% | 1,905 |
| Total domestic deposits to total assets | 88.2791% | 1,126 |
| Equity capital to assets | 11.2978% | 2,397 |
| Core capital (leverage) ratio | 11.2219% | 2,397 |
| Tier 1 risk-based capital ratio | 14.5074% | 3,124 |
| Total risk-based capital ratio | 15.7683% | 3,027 |
| Memoranda: | ||
| Average total assets | $135,672,750 | 3,607 |
| Average earning assets | $123,861,500 | 3,624 |
| Average equity | $15,271,500 | 3,627 |
| Average total loans | $109,192,250 | 3,170 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5467% | 298 |
| Cost of funding earning assets | 0.7082% | 1,576 |
| Net interest margin | 4.8385% | 342 |
| Noninterest income to average assets | 0.6478% | 2,101 |
| Noninterest expense to average assets | 3.0025% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4601% | 1,253 |
| Return on assets (ROA) | 1.4601% | 1,251 |
| Pretax return on assets | 2.0609% | 526 |
| Return on Equity (ROE) | 12.9875% | 1,379 |
| Retained earnings to average equity (ytd only) | 12.9875% | 382 |
| Net charge-offs to loans | -0.0422% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2979% | 4,043 |
| Assets per employee ($millions) | 3.6191% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0724% | 457 |
| Loan loss allowance to noncurrent loans | 134.4340% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.4434% | 935 |
| Noncurrent loans to loans | 1.5416% | 1,076 |
| Net loans and leases to total assets | 78.3412% | 1,258 |
| Net loans and leases to deposits | 88.8495% | 2,002 |
| Net loans and leases to core deposits | 96.7319% | 1,996 |
| Total domestic deposits to total assets | 88.1730% | 1,289 |
| Equity capital to assets | 11.4809% | 2,213 |
| Core capital (leverage) ratio | 11.5454% | 2,033 |
| Tier 1 risk-based capital ratio | 15.0706% | 2,837 |
| Total risk-based capital ratio | 16.3317% | 2,757 |
| Memoranda: | ||
| Average total assets | $136,153,670 | 3,621 |
| Average earning assets | $124,253,000 | 3,644 |
| Average equity | $15,307,000 | 3,646 |
| Average total loans | $108,961,670 | 3,189 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4515% | 304 |
| Cost of funding earning assets | 0.6806% | 1,541 |
| Net interest margin | 4.7709% | 362 |
| Noninterest income to average assets | 0.6466% | 2,046 |
| Noninterest expense to average assets | 3.0265% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4173% | 1,296 |
| Return on assets (ROA) | 1.4173% | 1,304 |
| Pretax return on assets | 1.9665% | 623 |
| Return on Equity (ROE) | 12.7439% | 1,337 |
| Retained earnings to average equity (ytd only) | 12.7439% | 559 |
| Net charge-offs to loans | -0.1107% | 5,236 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6150% | 3,991 |
| Assets per employee ($millions) | 3.6964% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0956% | 460 |
| Loan loss allowance to noncurrent loans | 122.4960% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.5340% | 893 |
| Noncurrent loans to loans | 1.7107% | 998 |
| Net loans and leases to total assets | 78.1235% | 1,218 |
| Net loans and leases to deposits | 88.2203% | 1,903 |
| Net loans and leases to core deposits | 96.4602% | 1,945 |
| Total domestic deposits to total assets | 88.5551% | 1,330 |
| Equity capital to assets | 11.1773% | 2,403 |
| Core capital (leverage) ratio | 11.2680% | 2,192 |
| Tier 1 risk-based capital ratio | 14.5295% | 3,103 |
| Total risk-based capital ratio | 15.7908% | 3,003 |
| Memoranda: | ||
| Average total assets | $135,468,500 | 3,666 |
| Average earning assets | $123,416,000 | 3,689 |
| Average equity | $15,066,000 | 3,702 |
| Average total loans | $108,433,500 | 3,221 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5612% | 242 |
| Cost of funding earning assets | 0.7094% | 978 |
| Net interest margin | 4.8518% | 305 |
| Noninterest income to average assets | 0.8023% | 1,558 |
| Noninterest expense to average assets | 3.0257% | 2,085 |
| Loan and lease loss provision to assets | 0.0075% | 4,116 |
| Net operating income to assets | 1.4865% | 830 |
| Return on assets (ROA) | 1.4865% | 851 |
| Pretax return on assets | 2.1857% | 321 |
| Return on Equity (ROE) | 13.7508% | 800 |
| Retained earnings to average equity (ytd only) | 6.7884% | 1,158 |
| Net charge-offs to loans | 0.4215% | 585 |
| Credit loss provision to net charge-offs | 2.2075% | 3,701 |
| Earnings coverage of net charge-offs (x) | 6.4327% | 3,178 |
| Efficiency ratio | 57.9752% | 4,528 |
| Assets per employee ($millions) | 3.5308% | 4,661 |
| Cash dividends to net income (ytd only)* | 50.6329% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0950% | 450 |
| Loan loss allowance to noncurrent loans | 134.4253% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.4638% | 948 |
| Noncurrent loans to loans | 1.5585% | 1,087 |
| Net loans and leases to total assets | 78.6135% | 1,194 |
| Net loans and leases to deposits | 88.4687% | 1,965 |
| Net loans and leases to core deposits | 96.4572% | 1,987 |
| Total domestic deposits to total assets | 88.8603% | 1,061 |
| Equity capital to assets | 11.0644% | 2,570 |
| Core capital (leverage) ratio | 10.8723% | 2,453 |
| Tier 1 risk-based capital ratio | 14.1959% | 3,258 |
| Total risk-based capital ratio | 15.4566% | 3,143 |
| Memoranda: | ||
| Average total assets | $132,863,200 | 3,700 |
| Average earning assets | $120,946,000 | 3,729 |
| Average equity | $14,362,800 | 3,798 |
| Average total loans | $107,464,600 | 3,221 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5480% | 240 |
| Cost of funding earning assets | 0.6852% | 1,039 |
| Net interest margin | 4.8628% | 291 |
| Noninterest income to average assets | 0.6599% | 2,163 |
| Noninterest expense to average assets | 2.9948% | 2,122 |
| Loan and lease loss provision to assets | 0.0101% | 3,932 |
| Net operating income to assets | 1.2343% | 1,564 |
| Return on assets (ROA) | 1.2343% | 1,591 |
| Pretax return on assets | 2.0884% | 458 |
| Return on Equity (ROE) | 11.4867% | 1,494 |
| Retained earnings to average equity (ytd only) | 2.1251% | 4,589 |
| Net charge-offs to loans | 0.1279% | 1,506 |
| Credit loss provision to net charge-offs | 9.7087% | 3,229 |
| Earnings coverage of net charge-offs (x) | 20.2524% | 1,962 |
| Efficiency ratio | 58.7991% | 4,390 |
| Assets per employee ($millions) | 3.5197% | 4,704 |
| Cash dividends to net income (ytd only)* | 81.4995% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3827% | 307 |
| Loan loss allowance to noncurrent loans | 157.0826% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 1.5290% | 987 |
| Noncurrent loans to loans | 1.5169% | 1,229 |
| Net loans and leases to total assets | 79.8236% | 1,009 |
| Net loans and leases to deposits | 91.6036% | 1,612 |
| Net loans and leases to core deposits | 99.2230% | 1,777 |
| Total domestic deposits to total assets | 87.1402% | 1,802 |
| Equity capital to assets | 10.5563% | 3,301 |
| Core capital (leverage) ratio | 10.5583% | 2,923 |
| Tier 1 risk-based capital ratio | 13.4321% | 3,744 |
| Total risk-based capital ratio | 14.6974% | 3,656 |
| Memoranda: | ||
| Average total assets | $132,536,750 | 3,747 |
| Average earning assets | $120,832,750 | 3,773 |
| Average equity | $14,242,250 | 3,856 |
| Average total loans | $107,397,750 | 3,248 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5008% | 248 |
| Cost of funding earning assets | 0.6704% | 1,039 |
| Net interest margin | 4.8304% | 305 |
| Noninterest income to average assets | 0.7175% | 1,915 |
| Noninterest expense to average assets | 2.9955% | 2,125 |
| Loan and lease loss provision to assets | 0.0151% | 3,652 |
| Net operating income to assets | 1.2518% | 1,433 |
| Return on assets (ROA) | 1.2518% | 1,457 |
| Pretax return on assets | 2.1130% | 429 |
| Return on Equity (ROE) | 11.5799% | 1,433 |
| Retained earnings to average equity (ytd only) | 11.5799% | 361 |
| Net charge-offs to loans | 0.0300% | 2,607 |
| Credit loss provision to net charge-offs | 62.5000% | 2,442 |
| Earnings coverage of net charge-offs (x) | 87.8750% | 712 |
| Efficiency ratio | 58.4638% | 4,535 |
| Assets per employee ($millions) | 3.4106% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4896% | 287 |
| Loan loss allowance to noncurrent loans | 131.2378% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.6750% | 871 |
| Noncurrent loans to loans | 1.8970% | 917 |
| Net loans and leases to total assets | 79.2990% | 1,051 |
| Net loans and leases to deposits | 91.5163% | 1,558 |
| Net loans and leases to core deposits | 99.0032% | 1,726 |
| Total domestic deposits to total assets | 86.6502% | 2,114 |
| Equity capital to assets | 11.0666% | 2,738 |
| Core capital (leverage) ratio | 11.0652% | 2,344 |
| Tier 1 risk-based capital ratio | 14.0565% | 3,402 |
| Total risk-based capital ratio | 15.3230% | 3,313 |
| Memoranda: | ||
| Average total assets | $132,132,330 | 3,778 |
| Average earning assets | $120,527,670 | 3,798 |
| Average equity | $14,283,330 | 3,855 |
| Average total loans | $106,740,330 | 3,269 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4890% | 232 |
| Cost of funding earning assets | 0.6561% | 1,049 |
| Net interest margin | 4.8329% | 298 |
| Noninterest income to average assets | 0.7502% | 1,743 |
| Noninterest expense to average assets | 3.0526% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2575% | 1,353 |
| Return on assets (ROA) | 1.2575% | 1,389 |
| Pretax return on assets | 2.1049% | 407 |
| Return on Equity (ROE) | 11.7739% | 1,314 |
| Retained earnings to average equity (ytd only) | 11.7739% | 499 |
| Net charge-offs to loans | 0.0377% | 2,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 69.3000% | 728 |
| Efficiency ratio | 59.1873% | 4,567 |
| Assets per employee ($millions) | 3.5117% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5744% | 290 |
| Loan loss allowance to noncurrent loans | 151.8916% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 1.4703% | 1,112 |
| Noncurrent loans to loans | 1.6949% | 1,130 |
| Net loans and leases to total assets | 76.2855% | 1,366 |
| Net loans and leases to deposits | 87.7049% | 1,838 |
| Net loans and leases to core deposits | 94.8813% | 1,903 |
| Total domestic deposits to total assets | 86.9798% | 2,220 |
| Equity capital to assets | 10.7017% | 2,961 |
| Core capital (leverage) ratio | 10.9318% | 2,434 |
| Tier 1 risk-based capital ratio | 14.0457% | 3,444 |
| Total risk-based capital ratio | 15.3125% | 3,356 |
| Memoranda: | ||
| Average total assets | $131,692,000 | 3,819 |
| Average earning assets | $120,094,500 | 3,835 |
| Average equity | $14,065,000 | 3,911 |
| Average total loans | $106,025,000 | 3,299 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7083% | 189 |
| Cost of funding earning assets | 0.6606% | 1,001 |
| Net interest margin | 5.0477% | 229 |
| Noninterest income to average assets | 0.5048% | 3,207 |
| Noninterest expense to average assets | 3.0310% | 2,256 |
| Loan and lease loss provision to assets | 0.0501% | 3,393 |
| Net operating income to assets | 1.2438% | 1,371 |
| Return on assets (ROA) | 1.2438% | 1,455 |
| Pretax return on assets | 2.0230% | 472 |
| Return on Equity (ROE) | 11.8055% | 1,309 |
| Retained earnings to average equity (ytd only) | 4.4911% | 2,714 |
| Net charge-offs to loans | 0.0517% | 3,004 |
| Credit loss provision to net charge-offs | 118.1818% | 2,245 |
| Earnings coverage of net charge-offs (x) | 48.9091% | 1,022 |
| Efficiency ratio | 59.3840% | 4,679 |
| Assets per employee ($millions) | 3.1692% | 5,193 |
| Cash dividends to net income (ytd only)* | 61.9579% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5102% | 312 |
| Loan loss allowance to noncurrent loans | 145.3175% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.5592% | 1,042 |
| Noncurrent loans to loans | 1.7274% | 1,115 |
| Net loans and leases to total assets | 80.7000% | 785 |
| Net loans and leases to deposits | 92.5377% | 1,366 |
| Net loans and leases to core deposits | 100.4762% | 1,582 |
| Total domestic deposits to total assets | 87.2077% | 2,020 |
| Equity capital to assets | 10.6582% | 2,969 |
| Core capital (leverage) ratio | 10.6191% | 2,754 |
| Tier 1 risk-based capital ratio | 13.5451% | 3,741 |
| Total risk-based capital ratio | 14.8119% | 3,639 |
| Memoranda: | ||
| Average total assets | $129,760,800 | 3,833 |
| Average earning assets | $118,231,200 | 3,863 |
| Average equity | $13,671,600 | 3,995 |
| Average total loans | $106,468,200 | 3,267 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6960% | 191 |
| Cost of funding earning assets | 0.6556% | 1,029 |
| Net interest margin | 5.0404% | 235 |
| Noninterest income to average assets | 0.4995% | 3,249 |
| Noninterest expense to average assets | 3.0219% | 2,256 |
| Loan and lease loss provision to assets | 0.0668% | 2,883 |
| Net operating income to assets | 1.2303% | 1,517 |
| Return on assets (ROA) | 1.2303% | 1,620 |
| Pretax return on assets | 2.0023% | 566 |
| Return on Equity (ROE) | 11.7115% | 1,414 |
| Retained earnings to average equity (ytd only) | 1.9275% | 4,714 |
| Net charge-offs to loans | 0.0578% | 2,529 |
| Credit loss provision to net charge-offs | 141.3043% | 1,853 |
| Earnings coverage of net charge-offs (x) | 43.7621% | 1,171 |
| Efficiency ratio | 59.3580% | 4,636 |
| Assets per employee ($millions) | 3.3191% | 5,023 |
| Cash dividends to net income (ytd only)* | 83.5422% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5354% | 326 |
| Loan loss allowance to noncurrent loans | 158.0513% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.4956% | 1,203 |
| Noncurrent loans to loans | 1.6042% | 1,343 |
| Net loans and leases to total assets | 80.4493% | 824 |
| Net loans and leases to deposits | 92.1827% | 1,474 |
| Net loans and leases to core deposits | 99.4072% | 1,692 |
| Total domestic deposits to total assets | 87.2716% | 1,769 |
| Equity capital to assets | 10.4123% | 3,660 |
| Core capital (leverage) ratio | 10.3670% | 3,139 |
| Tier 1 risk-based capital ratio | 13.1376% | 4,075 |
| Total risk-based capital ratio | 14.4043% | 3,973 |
| Memoranda: | ||
| Average total assets | $129,716,500 | 3,861 |
| Average earning assets | $118,161,500 | 3,882 |
| Average equity | $13,627,250 | 4,035 |
| Average total loans | $106,195,250 | 3,284 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6378% | 205 |
| Cost of funding earning assets | 0.6477% | 1,060 |
| Net interest margin | 4.9902% | 259 |
| Noninterest income to average assets | 0.5454% | 2,925 |
| Noninterest expense to average assets | 2.9952% | 2,365 |
| Loan and lease loss provision to assets | 0.0847% | 2,452 |
| Net operating income to assets | 1.2372% | 1,471 |
| Return on assets (ROA) | 1.2372% | 1,572 |
| Pretax return on assets | 2.0122% | 557 |
| Return on Equity (ROE) | 11.7423% | 1,401 |
| Retained earnings to average equity (ytd only) | 11.7423% | 363 |
| Net charge-offs to loans | 0.0623% | 2,304 |
| Credit loss provision to net charge-offs | 166.6667% | 1,481 |
| Earnings coverage of net charge-offs (x) | 41.2424% | 1,138 |
| Efficiency ratio | 58.8200% | 4,790 |
| Assets per employee ($millions) | 3.1840% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5605% | 336 |
| Loan loss allowance to noncurrent loans | 130.6988% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.7971% | 961 |
| Noncurrent loans to loans | 1.9591% | 1,022 |
| Net loans and leases to total assets | 79.0573% | 1,058 |
| Net loans and leases to deposits | 90.9911% | 1,633 |
| Net loans and leases to core deposits | 98.4780% | 1,764 |
| Total domestic deposits to total assets | 86.8847% | 1,969 |
| Equity capital to assets | 10.7904% | 3,296 |
| Core capital (leverage) ratio | 10.7321% | 2,713 |
| Tier 1 risk-based capital ratio | 13.8296% | 3,705 |
| Total risk-based capital ratio | 15.0978% | 3,612 |
| Memoranda: | ||
| Average total assets | $129,807,670 | 3,893 |
| Average earning assets | $118,272,670 | 3,907 |
| Average equity | $13,677,000 | 4,039 |
| Average total loans | $105,978,670 | 3,307 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6482% | 204 |
| Cost of funding earning assets | 0.6381% | 1,113 |
| Net interest margin | 5.0101% | 249 |
| Noninterest income to average assets | 0.6273% | 2,379 |
| Noninterest expense to average assets | 3.1088% | 2,075 |
| Loan and lease loss provision to assets | 0.1700% | 1,213 |
| Net operating income to assets | 1.1959% | 1,572 |
| Return on assets (ROA) | 1.1959% | 1,673 |
| Pretax return on assets | 1.9098% | 678 |
| Return on Equity (ROE) | 11.4901% | 1,461 |
| Retained earnings to average equity (ytd only) | 11.4901% | 580 |
| Net charge-offs to loans | 0.0679% | 1,808 |
| Credit loss provision to net charge-offs | 305.5556% | 837 |
| Earnings coverage of net charge-offs (x) | 37.3889% | 1,052 |
| Efficiency ratio | 59.9166% | 4,759 |
| Assets per employee ($millions) | 3.1974% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5911% | 359 |
| Loan loss allowance to noncurrent loans | 124.8055% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.9383% | 918 |
| Noncurrent loans to loans | 2.0761% | 1,019 |
| Net loans and leases to total assets | 78.2031% | 1,076 |
| Net loans and leases to deposits | 89.7132% | 1,609 |
| Net loans and leases to core deposits | 96.7142% | 1,729 |
| Total domestic deposits to total assets | 87.1701% | 2,119 |
| Equity capital to assets | 10.4240% | 3,585 |
| Core capital (leverage) ratio | 10.5878% | 2,865 |
| Tier 1 risk-based capital ratio | 13.3940% | 4,048 |
| Total risk-based capital ratio | 14.6616% | 3,957 |
| Memoranda: | ||
| Average total assets | $129,440,500 | 3,923 |
| Average earning assets | $117,842,000 | 3,944 |
| Average equity | $13,472,500 | 4,090 |
| Average total loans | $106,010,500 | 3,317 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8768% | 150 |
| Cost of funding earning assets | 0.6615% | 1,012 |
| Net interest margin | 5.2153% | 178 |
| Noninterest income to average assets | 0.4806% | 3,458 |
| Noninterest expense to average assets | 3.0751% | 2,309 |
| Loan and lease loss provision to assets | 0.1591% | 1,455 |
| Net operating income to assets | 1.2049% | 1,527 |
| Return on assets (ROA) | 1.2049% | 1,600 |
| Pretax return on assets | 1.9595% | 586 |
| Return on Equity (ROE) | 10.4079% | 1,840 |
| Retained earnings to average equity (ytd only) | -16.4165% | 6,102 |
| Net charge-offs to loans | 0.0588% | 3,042 |
| Credit loss provision to net charge-offs | 325.3968% | 921 |
| Earnings coverage of net charge-offs (x) | 43.3175% | 1,100 |
| Efficiency ratio | 59.2078% | 5,007 |
| Assets per employee ($millions) | 3.1168% | 5,396 |
| Cash dividends to net income (ytd only)* | 257.7320% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5193% | 388 |
| Loan loss allowance to noncurrent loans | 117.2624% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 2.1442% | 801 |
| Noncurrent loans to loans | 2.1484% | 942 |
| Net loans and leases to total assets | 81.4515% | 647 |
| Net loans and leases to deposits | 93.3590% | 1,270 |
| Net loans and leases to core deposits | 100.5983% | 1,466 |
| Total domestic deposits to total assets | 87.2454% | 2,013 |
| Equity capital to assets | 10.3921% | 3,500 |
| Core capital (leverage) ratio | 10.3300% | 3,127 |
| Tier 1 risk-based capital ratio | 13.0131% | 4,302 |
| Total risk-based capital ratio | 14.2805% | 4,203 |
| Memoranda: | ||
| Average total assets | $128,810,200 | 3,911 |
| Average earning assets | $116,406,600 | 3,962 |
| Average equity | $14,911,800 | 3,850 |
| Average total loans | $107,205,400 | 3,257 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8749% | 159 |
| Cost of funding earning assets | 0.6636% | 1,007 |
| Net interest margin | 5.2113% | 181 |
| Noninterest income to average assets | 0.4690% | 3,570 |
| Noninterest expense to average assets | 3.0072% | 2,497 |
| Loan and lease loss provision to assets | 0.2118% | 918 |
| Net operating income to assets | 1.2138% | 1,603 |
| Return on assets (ROA) | 1.2138% | 1,668 |
| Pretax return on assets | 1.9555% | 660 |
| Return on Equity (ROE) | 10.2262% | 2,007 |
| Retained earnings to average equity (ytd only) | -24.5864% | 6,220 |
| Net charge-offs to loans | 0.0783% | 2,430 |
| Credit loss provision to net charge-offs | 325.3968% | 901 |
| Earnings coverage of net charge-offs (x) | 33.3007% | 1,395 |
| Efficiency ratio | 58.1154% | 5,107 |
| Assets per employee ($millions) | 3.1936% | 5,299 |
| Cash dividends to net income (ytd only)* | 340.4250% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4534% | 462 |
| Loan loss allowance to noncurrent loans | 111.7574% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 2.4949% | 699 |
| Noncurrent loans to loans | 2.1953% | 1,001 |
| Net loans and leases to total assets | 83.7244% | 400 |
| Net loans and leases to deposits | 97.5964% | 849 |
| Net loans and leases to core deposits | 105.3071% | 1,149 |
| Total domestic deposits to total assets | 85.7863% | 2,649 |
| Equity capital to assets | 10.1047% | 4,046 |
| Core capital (leverage) ratio | 10.0945% | 3,508 |
| Tier 1 risk-based capital ratio | 12.3919% | 4,829 |
| Total risk-based capital ratio | 13.6582% | 4,729 |
| Memoranda: | ||
| Average total assets | $129,065,500 | 3,943 |
| Average earning assets | $116,539,000 | 3,992 |
| Average equity | $15,319,750 | 3,821 |
| Average total loans | $107,312,750 | 3,278 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8273% | 158 |
| Cost of funding earning assets | 0.6692% | 1,004 |
| Net interest margin | 5.1582% | 190 |
| Noninterest income to average assets | 0.4648% | 3,598 |
| Noninterest expense to average assets | 2.9543% | 2,699 |
| Loan and lease loss provision to assets | 0.2162% | 881 |
| Net operating income to assets | 1.2108% | 1,564 |
| Return on assets (ROA) | 1.2108% | 1,644 |
| Pretax return on assets | 1.9489% | 660 |
| Return on Equity (ROE) | 9.7248% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.7248% | 723 |
| Net charge-offs to loans | 0.0620% | 2,494 |
| Credit loss provision to net charge-offs | 424.2424% | 709 |
| Earnings coverage of net charge-offs (x) | 42.4848% | 1,085 |
| Efficiency ratio | 57.7074% | 5,257 |
| Assets per employee ($millions) | 3.2482% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4746% | 501 |
| Loan loss allowance to noncurrent loans | 104.5276% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 2.6092% | 706 |
| Noncurrent loans to loans | 2.3674% | 981 |
| Net loans and leases to total assets | 80.5352% | 732 |
| Net loans and leases to deposits | 95.0166% | 1,050 |
| Net loans and leases to core deposits | 102.0082% | 1,326 |
| Total domestic deposits to total assets | 84.7591% | 3,233 |
| Equity capital to assets | 12.7071% | 1,542 |
| Core capital (leverage) ratio | 12.5844% | 1,338 |
| Tier 1 risk-based capital ratio | 16.5838% | 2,579 |
| Total risk-based capital ratio | 17.8517% | 2,520 |
| Memoranda: | ||
| Average total assets | $129,506,330 | 3,969 |
| Average earning assets | $116,863,000 | 4,015 |
| Average equity | $16,123,670 | 3,705 |
| Average total loans | $106,536,330 | 3,312 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7865% | 172 |
| Cost of funding earning assets | 0.6890% | 898 |
| Net interest margin | 5.0975% | 211 |
| Noninterest income to average assets | 0.4610% | 3,570 |
| Noninterest expense to average assets | 2.8431% | 3,091 |
| Loan and lease loss provision to assets | 0.2320% | 745 |
| Net operating income to assets | 1.2344% | 1,451 |
| Return on assets (ROA) | 1.2344% | 1,539 |
| Pretax return on assets | 1.9861% | 605 |
| Return on Equity (ROE) | 10.0185% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.0185% | 923 |
| Net charge-offs to loans | 0.1356% | 1,430 |
| Credit loss provision to net charge-offs | 208.3333% | 1,026 |
| Earnings coverage of net charge-offs (x) | 19.9167% | 1,433 |
| Efficiency ratio | 56.1736% | 5,502 |
| Assets per employee ($millions) | 3.2516% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4146% | 598 |
| Loan loss allowance to noncurrent loans | 100.3876% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 2.6949% | 749 |
| Noncurrent loans to loans | 2.4053% | 1,024 |
| Net loans and leases to total assets | 80.4785% | 635 |
| Net loans and leases to deposits | 94.7695% | 915 |
| Net loans and leases to core deposits | 101.6766% | 1,204 |
| Total domestic deposits to total assets | 84.9203% | 3,447 |
| Equity capital to assets | 12.4056% | 1,750 |
| Core capital (leverage) ratio | 12.3990% | 1,401 |
| Tier 1 risk-based capital ratio | 15.9345% | 2,952 |
| Total risk-based capital ratio | 17.2001% | 2,888 |
| Memoranda: | ||
| Average total assets | $129,296,000 | 4,004 |
| Average earning assets | $116,685,500 | 4,049 |
| Average equity | $15,930,500 | 3,758 |
| Average total loans | $106,158,500 | 3,336 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8291% | 189 |
| Cost of funding earning assets | 0.7676% | 772 |
| Net interest margin | 5.0615% | 269 |
| Noninterest income to average assets | 0.5124% | 3,403 |
| Noninterest expense to average assets | 2.9654% | 2,949 |
| Loan and lease loss provision to assets | 0.2404% | 984 |
| Net operating income to assets | 1.1616% | 1,713 |
| Return on assets (ROA) | 1.1616% | 1,788 |
| Pretax return on assets | 1.8571% | 701 |
| Return on Equity (ROE) | 9.6471% | 2,274 |
| Retained earnings to average equity (ytd only) | 3.2285% | 3,933 |
| Net charge-offs to loans | 0.4226% | 1,006 |
| Credit loss provision to net charge-offs | 70.2032% | 3,070 |
| Earnings coverage of net charge-offs (x) | 6.1264% | 3,269 |
| Efficiency ratio | 58.5712% | 5,398 |
| Assets per employee ($millions) | 3.0602% | 5,619 |
| Cash dividends to net income (ytd only)* | 66.5336% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4283% | 605 |
| Loan loss allowance to noncurrent loans | 97.6646% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 2.8771% | 735 |
| Noncurrent loans to loans | 2.4863% | 1,023 |
| Net loans and leases to total assets | 79.7510% | 768 |
| Net loans and leases to deposits | 93.5307% | 1,127 |
| Net loans and leases to core deposits | 100.6204% | 1,350 |
| Total domestic deposits to total assets | 85.2673% | 3,178 |
| Equity capital to assets | 12.2353% | 1,833 |
| Core capital (leverage) ratio | 12.1190% | 1,552 |
| Tier 1 risk-based capital ratio | 15.8647% | 3,025 |
| Total risk-based capital ratio | 17.1310% | 2,972 |
| Memoranda: | ||
| Average total assets | $129,392,400 | 3,983 |
| Average earning assets | $116,329,600 | 4,047 |
| Average equity | $15,579,800 | 3,736 |
| Average total loans | $104,827,600 | 3,330 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8999% | 169 |
| Cost of funding earning assets | 0.7834% | 749 |
| Net interest margin | 5.1164% | 237 |
| Noninterest income to average assets | 0.4897% | 3,613 |
| Noninterest expense to average assets | 2.8866% | 3,174 |
| Loan and lease loss provision to assets | 0.3055% | 635 |
| Net operating income to assets | 1.1717% | 1,784 |
| Return on assets (ROA) | 1.1717% | 1,859 |
| Pretax return on assets | 1.8928% | 730 |
| Return on Equity (ROE) | 9.7704% | 2,322 |
| Retained earnings to average equity (ytd only) | 1.1924% | 5,415 |
| Net charge-offs to loans | 0.3385% | 1,185 |
| Credit loss provision to net charge-offs | 111.6541% | 2,021 |
| Earnings coverage of net charge-offs (x) | 8.0338% | 2,862 |
| Efficiency ratio | 56.7671% | 5,582 |
| Assets per employee ($millions) | 3.1281% | 5,546 |
| Cash dividends to net income (ytd only)* | 87.7962% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6610% | 518 |
| Loan loss allowance to noncurrent loans | 241.6741% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 1.7364% | 1,723 |
| Noncurrent loans to loans | 1.1011% | 2,865 |
| Net loans and leases to total assets | 77.4093% | 1,039 |
| Net loans and leases to deposits | 90.7544% | 1,358 |
| Net loans and leases to core deposits | 97.7329% | 1,535 |
| Total domestic deposits to total assets | 85.2954% | 3,215 |
| Equity capital to assets | 11.9756% | 2,079 |
| Core capital (leverage) ratio | 11.7933% | 1,841 |
| Tier 1 risk-based capital ratio | 15.9164% | 3,093 |
| Total risk-based capital ratio | 17.1858% | 3,032 |
| Memoranda: | ||
| Average total assets | $129,608,000 | 4,014 |
| Average earning assets | $116,406,250 | 4,077 |
| Average equity | $15,543,250 | 3,763 |
| Average total loans | $104,770,750 | 3,359 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8996% | 168 |
| Cost of funding earning assets | 0.7898% | 758 |
| Net interest margin | 5.1098% | 234 |
| Noninterest income to average assets | 0.5659% | 3,010 |
| Noninterest expense to average assets | 2.8879% | 3,209 |
| Loan and lease loss provision to assets | 0.3921% | 426 |
| Net operating income to assets | 1.1825% | 1,646 |
| Return on assets (ROA) | 1.1825% | 1,719 |
| Pretax return on assets | 1.8822% | 716 |
| Return on Equity (ROE) | 9.8560% | 2,219 |
| Retained earnings to average equity (ytd only) | 9.8560% | 754 |
| Net charge-offs to loans | 0.2952% | 1,361 |
| Credit loss provision to net charge-offs | 163.4615% | 1,377 |
| Earnings coverage of net charge-offs (x) | 9.4808% | 2,353 |
| Efficiency ratio | 55.9428% | 5,750 |
| Assets per employee ($millions) | 3.0304% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6932% | 540 |
| Loan loss allowance to noncurrent loans | 241.9130% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 1.9684% | 1,631 |
| Noncurrent loans to loans | 1.1133% | 2,995 |
| Net loans and leases to total assets | 77.1374% | 1,032 |
| Net loans and leases to deposits | 90.5192% | 1,321 |
| Net loans and leases to core deposits | 97.2682% | 1,497 |
| Total domestic deposits to total assets | 85.2167% | 3,402 |
| Equity capital to assets | 12.2747% | 1,792 |
| Core capital (leverage) ratio | 12.1733% | 1,562 |
| Tier 1 risk-based capital ratio | 16.3120% | 2,929 |
| Total risk-based capital ratio | 17.5811% | 2,865 |
| Memoranda: | ||
| Average total assets | $130,060,000 | 4,032 |
| Average earning assets | $116,990,000 | 4,082 |
| Average equity | $15,604,670 | 3,752 |
| Average total loans | $105,696,670 | 3,344 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7888% | 192 |
| Cost of funding earning assets | 0.7903% | 783 |
| Net interest margin | 4.9985% | 274 |
| Noninterest income to average assets | 0.5664% | 2,939 |
| Noninterest expense to average assets | 2.7460% | 3,775 |
| Loan and lease loss provision to assets | 0.3971% | 422 |
| Net operating income to assets | 1.1852% | 1,527 |
| Return on assets (ROA) | 1.1852% | 1,595 |
| Pretax return on assets | 1.9210% | 629 |
| Return on Equity (ROE) | 9.9938% | 2,043 |
| Retained earnings to average equity (ytd only) | 9.9938% | 963 |
| Net charge-offs to loans | 0.5388% | 685 |
| Credit loss provision to net charge-offs | 89.5833% | 1,804 |
| Earnings coverage of net charge-offs (x) | 5.2292% | 2,403 |
| Efficiency ratio | 54.2249% | 5,994 |
| Assets per employee ($millions) | 3.0948% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5234% | 795 |
| Loan loss allowance to noncurrent loans | 117.4736% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 2.6712% | 1,146 |
| Noncurrent loans to loans | 2.1481% | 1,703 |
| Net loans and leases to total assets | 79.3191% | 623 |
| Net loans and leases to deposits | 92.9163% | 881 |
| Net loans and leases to core deposits | 99.3495% | 1,147 |
| Total domestic deposits to total assets | 85.3662% | 3,688 |
| Equity capital to assets | 12.0049% | 1,863 |
| Core capital (leverage) ratio | 12.0144% | 1,645 |
| Tier 1 risk-based capital ratio | 15.7881% | 3,276 |
| Total risk-based capital ratio | 17.0558% | 3,229 |
| Memoranda: | ||
| Average total assets | $129,935,500 | 4,069 |
| Average earning assets | $116,914,500 | 4,117 |
| Average equity | $15,409,500 | 3,792 |
| Average total loans | $106,895,500 | 3,321 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3423% | 110 |
| Cost of funding earning assets | 0.8347% | 1,025 |
| Net interest margin | 5.5076% | 133 |
| Noninterest income to average assets | 0.4797% | 3,887 |
| Noninterest expense to average assets | 2.9941% | 3,074 |
| Loan and lease loss provision to assets | 0.2781% | 1,249 |
| Net operating income to assets | 1.3580% | 1,115 |
| Return on assets (ROA) | 1.3580% | 1,161 |
| Pretax return on assets | 2.1769% | 326 |
| Return on Equity (ROE) | 11.7546% | 1,503 |
| Retained earnings to average equity (ytd only) | 5.7369% | 2,141 |
| Net charge-offs to loans | 0.1383% | 3,418 |
| Credit loss provision to net charge-offs | 243.2432% | 941 |
| Earnings coverage of net charge-offs (x) | 21.4730% | 1,493 |
| Efficiency ratio | 54.9475% | 6,054 |
| Assets per employee ($millions) | 3.0926% | 5,686 |
| Cash dividends to net income (ytd only)* | 51.1945% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4847% | 841 |
| Loan loss allowance to noncurrent loans | 158.4416% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 2.1018% | 1,704 |
| Noncurrent loans to loans | 1.5682% | 2,547 |
| Net loans and leases to total assets | 81.0980% | 485 |
| Net loans and leases to deposits | 94.8445% | 813 |
| Net loans and leases to core deposits | 101.1455% | 1,079 |
| Total domestic deposits to total assets | 85.5063% | 3,503 |
| Equity capital to assets | 11.7137% | 2,018 |
| Core capital (leverage) ratio | 11.7496% | 1,791 |
| Tier 1 risk-based capital ratio | 15.2491% | 3,516 |
| Total risk-based capital ratio | 16.5165% | 3,454 |
| Memoranda: | ||
| Average total assets | $129,453,000 | 4,086 |
| Average earning assets | $116,802,600 | 4,114 |
| Average equity | $14,955,800 | 3,881 |
| Average total loans | $107,000,800 | 3,304 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3207% | 119 |
| Cost of funding earning assets | 0.8408% | 1,091 |
| Net interest margin | 5.4799% | 138 |
| Noninterest income to average assets | 0.5072% | 3,757 |
| Noninterest expense to average assets | 2.8007% | 3,665 |
| Loan and lease loss provision to assets | 0.3711% | 845 |
| Net operating income to assets | 1.4658% | 954 |
| Return on assets (ROA) | 1.4658% | 1,007 |
| Pretax return on assets | 2.2802% | 333 |
| Return on Equity (ROE) | 12.7322% | 1,306 |
| Retained earnings to average equity (ytd only) | 4.6738% | 3,338 |
| Net charge-offs to loans | 0.0999% | 3,549 |
| Credit loss provision to net charge-offs | 450.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 32.1512% | 1,181 |
| Efficiency ratio | 51.3708% | 6,300 |
| Assets per employee ($millions) | 3.1275% | 5,625 |
| Cash dividends to net income (ytd only)* | 63.2912% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5530% | 879 |
| Loan loss allowance to noncurrent loans | 111.0618% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 2.7958% | 1,339 |
| Noncurrent loans to loans | 2.2987% | 1,908 |
| Net loans and leases to total assets | 81.8913% | 378 |
| Net loans and leases to deposits | 96.6621% | 646 |
| Net loans and leases to core deposits | 104.1716% | 869 |
| Total domestic deposits to total assets | 84.7192% | 3,872 |
| Equity capital to assets | 11.6084% | 2,210 |
| Core capital (leverage) ratio | 11.6837% | 1,899 |
| Tier 1 risk-based capital ratio | 14.9967% | 3,756 |
| Total risk-based capital ratio | 16.2656% | 3,693 |
| Memoranda: | ||
| Average total assets | $129,343,500 | 4,132 |
| Average earning assets | $116,713,500 | 4,153 |
| Average equity | $14,891,000 | 3,936 |
| Average total loans | $106,745,250 | 3,333 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3454% | 113 |
| Cost of funding earning assets | 0.8456% | 1,162 |
| Net interest margin | 5.4998% | 133 |
| Noninterest income to average assets | 0.5150% | 3,739 |
| Noninterest expense to average assets | 2.7614% | 3,814 |
| Loan and lease loss provision to assets | 0.4163% | 727 |
| Net operating income to assets | 1.5326% | 847 |
| Return on assets (ROA) | 1.5326% | 914 |
| Pretax return on assets | 2.3112% | 344 |
| Return on Equity (ROE) | 13.3486% | 1,156 |
| Retained earnings to average equity (ytd only) | 13.3486% | 345 |
| Net charge-offs to loans | 0.0545% | 3,916 |
| Credit loss provision to net charge-offs | 931.0345% | 332 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 692 |
| Efficiency ratio | 50.3090% | 6,408 |
| Assets per employee ($millions) | 2.9741% | 5,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5468% | 938 |
| Loan loss allowance to noncurrent loans | 208.1351% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 1.9556% | 2,212 |
| Noncurrent loans to loans | 1.2236% | 3,509 |
| Net loans and leases to total assets | 81.1437% | 422 |
| Net loans and leases to deposits | 96.0665% | 668 |
| Net loans and leases to core deposits | 103.3071% | 869 |
| Total domestic deposits to total assets | 84.4661% | 4,137 |
| Equity capital to assets | 12.0019% | 1,911 |
| Core capital (leverage) ratio | 11.8777% | 1,683 |
| Tier 1 risk-based capital ratio | 15.7246% | 3,347 |
| Total risk-based capital ratio | 16.9595% | 3,307 |
| Memoranda: | ||
| Average total assets | $129,716,000 | 4,148 |
| Average earning assets | $117,313,670 | 4,171 |
| Average equity | $14,893,000 | 3,962 |
| Average total loans | $106,408,000 | 3,350 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2640% | 118 |
| Cost of funding earning assets | 0.8496% | 1,257 |
| Net interest margin | 5.4144% | 143 |
| Noninterest income to average assets | 0.5083% | 3,721 |
| Noninterest expense to average assets | 2.5446% | 4,592 |
| Loan and lease loss provision to assets | 0.4134% | 739 |
| Net operating income to assets | 1.7025% | 583 |
| Return on assets (ROA) | 1.7025% | 644 |
| Pretax return on assets | 2.4680% | 277 |
| Return on Equity (ROE) | 15.1654% | 731 |
| Retained earnings to average equity (ytd only) | 15.1654% | 340 |
| Net charge-offs to loans | 0.0226% | 3,724 |
| Credit loss provision to net charge-offs | 2,250.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 156.8333% | 257 |
| Efficiency ratio | 46.8962% | 6,659 |
| Assets per employee ($millions) | 3.0905% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4670% | 1,156 |
| Loan loss allowance to noncurrent loans | 83.9032% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 3.4614% | 1,230 |
| Noncurrent loans to loans | 2.9403% | 1,709 |
| Net loans and leases to total assets | 79.2208% | 501 |
| Net loans and leases to deposits | 93.3868% | 705 |
| Net loans and leases to core deposits | 100.0535% | 947 |
| Total domestic deposits to total assets | 84.8309% | 4,129 |
| Equity capital to assets | 11.5097% | 2,402 |
| Core capital (leverage) ratio | 11.5268% | 1,864 |
| Tier 1 risk-based capital ratio | 15.3430% | 3,625 |
| Total risk-based capital ratio | 16.6111% | 3,568 |
| Memoranda: | ||
| Average total assets | $130,630,000 | 4,169 |
| Average earning assets | $118,645,500 | 4,183 |
| Average equity | $14,665,000 | 4,061 |
| Average total loans | $106,369,500 | 3,375 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5533% | 124 |
| Cost of funding earning assets | 1.0546% | 1,100 |
| Net interest margin | 5.4987% | 171 |
| Noninterest income to average assets | 0.4101% | 4,527 |
| Noninterest expense to average assets | 3.0094% | 3,237 |
| Loan and lease loss provision to assets | 0.7904% | 618 |
| Net operating income to assets | 1.0085% | 2,301 |
| Return on assets (ROA) | 1.0085% | 2,516 |
| Pretax return on assets | 1.5892% | 1,416 |
| Return on Equity (ROE) | 9.2607% | 2,512 |
| Retained earnings to average equity (ytd only) | 3.2883% | 3,916 |
| Net charge-offs to loans | 0.8442% | 1,367 |
| Credit loss provision to net charge-offs | 113.2675% | 2,569 |
| Earnings coverage of net charge-offs (x) | 3.4101% | 3,738 |
| Efficiency ratio | 55.8427% | 6,071 |
| Assets per employee ($millions) | 3.1299% | 5,786 |
| Cash dividends to net income (ytd only)* | 64.4917% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3037% | 1,361 |
| Loan loss allowance to noncurrent loans | 79.0029% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 3.5122% | 1,287 |
| Noncurrent loans to loans | 2.9159% | 1,794 |
| Net loans and leases to total assets | 79.7485% | 498 |
| Net loans and leases to deposits | 93.1469% | 817 |
| Net loans and leases to core deposits | 99.7498% | 1,043 |
| Total domestic deposits to total assets | 85.6158% | 3,547 |
| Equity capital to assets | 10.9465% | 3,018 |
| Core capital (leverage) ratio | 10.9876% | 2,264 |
| Tier 1 risk-based capital ratio | 14.4806% | 4,048 |
| Total risk-based capital ratio | 15.7463% | 3,986 |
| Memoranda: | ||
| Average total assets | $130,692,600 | 4,136 |
| Average earning assets | $118,337,000 | 4,150 |
| Average equity | $14,232,200 | 4,115 |
| Average total loans | $108,026,200 | 3,336 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5573% | 130 |
| Cost of funding earning assets | 1.0948% | 1,078 |
| Net interest margin | 5.4626% | 186 |
| Noninterest income to average assets | 0.3320% | 5,148 |
| Noninterest expense to average assets | 2.7411% | 4,208 |
| Loan and lease loss provision to assets | 0.8623% | 530 |
| Net operating income to assets | 0.9849% | 2,585 |
| Return on assets (ROA) | 0.9849% | 2,816 |
| Pretax return on assets | 1.6735% | 1,349 |
| Return on Equity (ROE) | 9.0560% | 2,776 |
| Retained earnings to average equity (ytd only) | 1.0710% | 5,740 |
| Net charge-offs to loans | 0.6543% | 1,671 |
| Credit loss provision to net charge-offs | 158.9454% | 1,762 |
| Earnings coverage of net charge-offs (x) | 4.6742% | 3,234 |
| Efficiency ratio | 51.9458% | 6,452 |
| Assets per employee ($millions) | 3.4692% | 5,040 |
| Cash dividends to net income (ytd only)* | 88.1747% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4328% | 1,299 |
| Loan loss allowance to noncurrent loans | 79.7605% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 3.9630% | 1,220 |
| Noncurrent loans to loans | 3.0501% | 1,823 |
| Net loans and leases to total assets | 83.2326% | 267 |
| Net loans and leases to deposits | 97.5351% | 567 |
| Net loans and leases to core deposits | 104.9365% | 811 |
| Total domestic deposits to total assets | 85.3360% | 3,600 |
| Equity capital to assets | 10.9355% | 3,341 |
| Core capital (leverage) ratio | 10.8262% | 2,566 |
| Tier 1 risk-based capital ratio | 13.9581% | 4,561 |
| Total risk-based capital ratio | 15.2282% | 4,490 |
| Memoranda: | ||
| Average total assets | $130,501,500 | 4,173 |
| Average earning assets | $118,134,500 | 4,196 |
| Average equity | $14,192,750 | 4,165 |
| Average total loans | $108,206,000 | 3,363 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4460% | 159 |
| Cost of funding earning assets | 1.1227% | 1,115 |
| Net interest margin | 5.3233% | 235 |
| Noninterest income to average assets | 0.2850% | 5,534 |
| Noninterest expense to average assets | 2.7710% | 4,130 |
| Loan and lease loss provision to assets | 0.7438% | 702 |
| Net operating income to assets | 0.9877% | 2,522 |
| Return on assets (ROA) | 0.9877% | 2,750 |
| Pretax return on assets | 1.5837% | 1,592 |
| Return on Equity (ROE) | 9.0981% | 2,774 |
| Retained earnings to average equity (ytd only) | 9.0981% | 1,240 |
| Net charge-offs to loans | 0.4881% | 2,124 |
| Credit loss provision to net charge-offs | 185.5513% | 1,527 |
| Earnings coverage of net charge-offs (x) | 5.8061% | 2,751 |
| Efficiency ratio | 54.3498% | 6,288 |
| Assets per employee ($millions) | 3.4377% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3903% | 1,431 |
| Loan loss allowance to noncurrent loans | 111.9027% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 3.1738% | 1,717 |
| Noncurrent loans to loans | 2.1360% | 2,780 |
| Net loans and leases to total assets | 80.5257% | 445 |
| Net loans and leases to deposits | 94.5190% | 730 |
| Net loans and leases to core deposits | 100.8871% | 1,048 |
| Total domestic deposits to total assets | 85.1953% | 3,770 |
| Equity capital to assets | 11.1510% | 2,955 |
| Core capital (leverage) ratio | 11.0600% | 2,241 |
| Tier 1 risk-based capital ratio | 14.4488% | 4,131 |
| Total risk-based capital ratio | 15.7154% | 4,090 |
| Memoranda: | ||
| Average total assets | $131,214,670 | 4,181 |
| Average earning assets | $118,647,330 | 4,208 |
| Average equity | $14,244,670 | 4,151 |
| Average total loans | $107,773,670 | 3,385 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3208% | 203 |
| Cost of funding earning assets | 1.1440% | 1,198 |
| Net interest margin | 5.1768% | 305 |
| Noninterest income to average assets | 0.5262% | 3,729 |
| Noninterest expense to average assets | 2.6797% | 4,505 |
| Loan and lease loss provision to assets | 0.9521% | 445 |
| Net operating income to assets | 0.9794% | 2,562 |
| Return on assets (ROA) | 0.9794% | 2,764 |
| Pretax return on assets | 1.5604% | 1,704 |
| Return on Equity (ROE) | 9.1455% | 2,764 |
| Retained earnings to average equity (ytd only) | 9.1455% | 1,533 |
| Net charge-offs to loans | 0.6903% | 1,441 |
| Credit loss provision to net charge-offs | 168.2796% | 1,517 |
| Earnings coverage of net charge-offs (x) | 4.4409% | 2,571 |
| Efficiency ratio | 51.6110% | 6,577 |
| Assets per employee ($millions) | 3.5925% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3040% | 1,668 |
| Loan loss allowance to noncurrent loans | 65.9569% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 4.4409% | 1,213 |
| Noncurrent loans to loans | 3.4932% | 1,790 |
| Net loans and leases to total assets | 79.0480% | 483 |
| Net loans and leases to deposits | 92.4353% | 767 |
| Net loans and leases to core deposits | 98.8095% | 1,063 |
| Total domestic deposits to total assets | 85.5172% | 3,780 |
| Equity capital to assets | 10.7137% | 3,248 |
| Core capital (leverage) ratio | 10.9100% | 2,336 |
| Tier 1 risk-based capital ratio | 13.8093% | 4,601 |
| Total risk-based capital ratio | 15.0742% | 4,566 |
| Memoranda: | ||
| Average total assets | $131,505,000 | 4,201 |
| Average earning assets | $118,529,500 | 4,236 |
| Average equity | $14,083,500 | 4,185 |
| Average total loans | $107,775,500 | 3,416 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8004% | 126 |
| Cost of funding earning assets | 1.3379% | 1,305 |
| Net interest margin | 5.4625% | 190 |
| Noninterest income to average assets | 0.5585% | 3,442 |
| Noninterest expense to average assets | 2.9786% | 3,672 |
| Loan and lease loss provision to assets | 1.5212% | 480 |
| Net operating income to assets | 0.8597% | 2,769 |
| Return on assets (ROA) | 0.8597% | 2,920 |
| Pretax return on assets | 1.0241% | 3,146 |
| Return on Equity (ROE) | 8.1239% | 2,849 |
| Retained earnings to average equity (ytd only) | 3.0419% | 4,065 |
| Net charge-offs to loans | 1.2479% | 1,334 |
| Credit loss provision to net charge-offs | 143.4783% | 2,024 |
| Earnings coverage of net charge-offs (x) | 2.4007% | 4,012 |
| Efficiency ratio | 53.9221% | 6,519 |
| Assets per employee ($millions) | 3.4233% | 5,194 |
| Cash dividends to net income (ytd only)* | 62.5559% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1769% | 1,843 |
| Loan loss allowance to noncurrent loans | 92.9616% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 3.6921% | 1,588 |
| Noncurrent loans to loans | 2.3417% | 2,804 |
| Net loans and leases to total assets | 81.2141% | 390 |
| Net loans and leases to deposits | 94.8648% | 749 |
| Net loans and leases to core deposits | 100.4564% | 1,139 |
| Total domestic deposits to total assets | 85.6104% | 3,529 |
| Equity capital to assets | 10.7051% | 3,297 |
| Core capital (leverage) ratio | 10.5323% | 2,681 |
| Tier 1 risk-based capital ratio | 13.5415% | 4,666 |
| Total risk-based capital ratio | 14.8049% | 4,629 |
| Memoranda: | ||
| Average total assets | $130,161,600 | 4,166 |
| Average earning assets | $118,316,200 | 4,177 |
| Average equity | $13,774,200 | 4,168 |
| Average total loans | $110,586,200 | 3,364 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8091% | 131 |
| Cost of funding earning assets | 1.3728% | 1,357 |
| Net interest margin | 5.4363% | 191 |
| Noninterest income to average assets | 0.5848% | 3,266 |
| Noninterest expense to average assets | 2.8954% | 3,950 |
| Loan and lease loss provision to assets | 1.1420% | 708 |
| Net operating income to assets | 0.8583% | 2,913 |
| Return on assets (ROA) | 0.8583% | 3,063 |
| Pretax return on assets | 1.4994% | 1,657 |
| Return on Equity (ROE) | 8.1340% | 2,987 |
| Retained earnings to average equity (ytd only) | 1.3395% | 5,471 |
| Net charge-offs to loans | 0.9709% | 1,653 |
| Credit loss provision to net charge-offs | 137.6543% | 2,317 |
| Earnings coverage of net charge-offs (x) | 3.1840% | 3,546 |
| Efficiency ratio | 52.2937% | 6,652 |
| Assets per employee ($millions) | 3.5052% | 4,984 |
| Cash dividends to net income (ytd only)* | 83.5319% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8939% | 2,630 |
| Loan loss allowance to noncurrent loans | 62.8283% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 4.0565% | 1,509 |
| Noncurrent loans to loans | 3.0145% | 2,294 |
| Net loans and leases to total assets | 82.1585% | 343 |
| Net loans and leases to deposits | 95.8667% | 706 |
| Net loans and leases to core deposits | 101.8652% | 1,102 |
| Total domestic deposits to total assets | 85.7007% | 3,383 |
| Equity capital to assets | 10.5195% | 3,681 |
| Core capital (leverage) ratio | 10.4308% | 2,958 |
| Tier 1 risk-based capital ratio | 13.4809% | 4,750 |
| Total risk-based capital ratio | 14.7405% | 4,713 |
| Memoranda: | ||
| Average total assets | $130,180,250 | 4,194 |
| Average earning assets | $118,583,500 | 4,191 |
| Average equity | $13,736,250 | 4,177 |
| Average total loans | $111,232,750 | 3,385 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7988% | 140 |
| Cost of funding earning assets | 1.3988% | 1,425 |
| Net interest margin | 5.4000% | 209 |
| Noninterest income to average assets | 0.6230% | 2,988 |
| Noninterest expense to average assets | 2.8816% | 4,095 |
| Loan and lease loss provision to assets | 1.0741% | 775 |
| Net operating income to assets | 0.9114% | 2,591 |
| Return on assets (ROA) | 0.9114% | 2,692 |
| Pretax return on assets | 1.5958% | 1,268 |
| Return on Equity (ROE) | 8.6291% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.6291% | 1,225 |
| Net charge-offs to loans | 0.2658% | 3,559 |
| Credit loss provision to net charge-offs | 469.7987% | 653 |
| Earnings coverage of net charge-offs (x) | 11.6779% | 1,690 |
| Efficiency ratio | 51.9071% | 6,792 |
| Assets per employee ($millions) | 3.4940% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0425% | 2,252 |
| Loan loss allowance to noncurrent loans | 68.7258% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 3.6186% | 1,814 |
| Noncurrent loans to loans | 2.9720% | 2,445 |
| Net loans and leases to total assets | 85.4359% | 165 |
| Net loans and leases to deposits | 100.2005% | 486 |
| Net loans and leases to core deposits | 106.6357% | 892 |
| Total domestic deposits to total assets | 85.2650% | 3,748 |
| Equity capital to assets | 10.8960% | 3,071 |
| Core capital (leverage) ratio | 10.7461% | 2,474 |
| Tier 1 risk-based capital ratio | 13.4936% | 4,531 |
| Total risk-based capital ratio | 14.7002% | 4,552 |
| Memoranda: | ||
| Average total assets | $130,343,000 | 4,227 |
| Average earning assets | $118,962,330 | 4,211 |
| Average equity | $13,767,330 | 4,161 |
| Average total loans | $112,107,000 | 3,409 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4970% | 212 |
| Cost of funding earning assets | 1.4200% | 1,509 |
| Net interest margin | 5.0771% | 321 |
| Noninterest income to average assets | 0.5746% | 3,341 |
| Noninterest expense to average assets | 2.7507% | 4,642 |
| Loan and lease loss provision to assets | 0.9169% | 867 |
| Net operating income to assets | 0.8986% | 2,569 |
| Return on assets (ROA) | 0.8986% | 2,631 |
| Pretax return on assets | 1.5404% | 1,324 |
| Return on Equity (ROE) | 8.6420% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.6420% | 1,507 |
| Net charge-offs to loans | 0.5403% | 2,142 |
| Credit loss provision to net charge-offs | 198.6755% | 1,497 |
| Earnings coverage of net charge-offs (x) | 5.3245% | 2,300 |
| Efficiency ratio | 52.8169% | 6,797 |
| Assets per employee ($millions) | 3.4632% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 3,360 |
| Loan loss allowance to noncurrent loans | 48.3223% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 3.9825% | 1,678 |
| Noncurrent loans to loans | 3.5032% | 2,126 |
| Net loans and leases to total assets | 83.8877% | 234 |
| Net loans and leases to deposits | 98.0479% | 569 |
| Net loans and leases to core deposits | 103.5376% | 1,090 |
| Total domestic deposits to total assets | 85.5579% | 3,751 |
| Equity capital to assets | 10.4604% | 3,226 |
| Core capital (leverage) ratio | 10.4782% | 2,633 |
| Tier 1 risk-based capital ratio | 13.1631% | 4,696 |
| Total risk-based capital ratio | 14.4205% | 4,664 |
| Memoranda: | ||
| Average total assets | $130,876,000 | 4,236 |
| Average earning assets | $119,439,000 | 4,231 |
| Average equity | $13,608,000 | 4,187 |
| Average total loans | $111,784,500 | 3,447 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0964% | 129 |
| Cost of funding earning assets | 1.7739% | 1,280 |
| Net interest margin | 5.3225% | 231 |
| Noninterest income to average assets | 0.6281% | 3,300 |
| Noninterest expense to average assets | 3.0952% | 3,477 |
| Loan and lease loss provision to assets | 0.6558% | 2,516 |
| Net operating income to assets | 0.9853% | 2,087 |
| Return on assets (ROA) | 0.9853% | 2,198 |
| Pretax return on assets | 1.6811% | 975 |
| Return on Equity (ROE) | 9.6249% | 2,064 |
| Retained earnings to average equity (ytd only) | 3.9853% | 3,076 |
| Net charge-offs to loans | 0.6210% | 3,175 |
| Credit loss provision to net charge-offs | 124.5614% | 3,306 |
| Earnings coverage of net charge-offs (x) | 4.4386% | 2,922 |
| Efficiency ratio | 56.9789% | 6,462 |
| Assets per employee ($millions) | 3.2538% | 5,530 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 3,681 |
| Loan loss allowance to noncurrent loans | 59.2893% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 3.3500% | 2,100 |
| Noncurrent loans to loans | 2.6557% | 2,860 |
| Net loans and leases to total assets | 84.1476% | 289 |
| Net loans and leases to deposits | 98.1811% | 701 |
| Net loans and leases to core deposits | 107.0912% | 1,119 |
| Total domestic deposits to total assets | 85.7066% | 3,494 |
| Equity capital to assets | 10.3342% | 3,346 |
| Core capital (leverage) ratio | 10.1391% | 2,938 |
| Tier 1 risk-based capital ratio | 13.0402% | 4,575 |
| Total risk-based capital ratio | 14.2954% | 4,527 |
| Memoranda: | ||
| Average total assets | $129,912,400 | 4,272 |
| Average earning assets | $117,256,400 | 4,286 |
| Average equity | $13,298,800 | 4,309 |
| Average total loans | $110,144,600 | 3,547 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0539% | 138 |
| Cost of funding earning assets | 1.7638% | 1,571 |
| Net interest margin | 5.2901% | 247 |
| Noninterest income to average assets | 0.5380% | 3,880 |
| Noninterest expense to average assets | 2.9571% | 3,898 |
| Loan and lease loss provision to assets | 0.5842% | 2,600 |
| Net operating income to assets | 1.0032% | 2,225 |
| Return on assets (ROA) | 1.0032% | 2,342 |
| Pretax return on assets | 1.7609% | 991 |
| Return on Equity (ROE) | 9.8230% | 2,199 |
| Retained earnings to average equity (ytd only) | 2.2823% | 4,800 |
| Net charge-offs to loans | 0.4357% | 3,556 |
| Credit loss provision to net charge-offs | 158.4958% | 2,404 |
| Earnings coverage of net charge-offs (x) | 6.3622% | 2,537 |
| Efficiency ratio | 55.7707% | 6,590 |
| Assets per employee ($millions) | 3.3209% | 5,397 |
| Cash dividends to net income (ytd only)* | 76.7662% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 3,442 |
| Loan loss allowance to noncurrent loans | 64.7526% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 3.1415% | 2,292 |
| Noncurrent loans to loans | 2.5031% | 3,114 |
| Net loans and leases to total assets | 81.9296% | 503 |
| Net loans and leases to deposits | 97.7141% | 817 |
| Net loans and leases to core deposits | 104.5798% | 1,433 |
| Total domestic deposits to total assets | 83.8462% | 4,213 |
| Equity capital to assets | 9.9280% | 4,254 |
| Core capital (leverage) ratio | 10.0637% | 3,190 |
| Tier 1 risk-based capital ratio | 12.7607% | 4,764 |
| Total risk-based capital ratio | 13.9958% | 4,759 |
| Memoranda: | ||
| Average total assets | $129,852,750 | 4,330 |
| Average earning assets | $116,944,750 | 4,359 |
| Average equity | $13,261,000 | 4,378 |
| Average total loans | $109,863,000 | 3,603 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1381% | 132 |
| Cost of funding earning assets | 1.7871% | 1,696 |
| Net interest margin | 5.3510% | 224 |
| Noninterest income to average assets | 0.5122% | 4,013 |
| Noninterest expense to average assets | 2.8853% | 4,130 |
| Loan and lease loss provision to assets | 0.7155% | 2,033 |
| Net operating income to assets | 0.9887% | 2,242 |
| Return on assets (ROA) | 0.9887% | 2,319 |
| Pretax return on assets | 1.7539% | 958 |
| Return on Equity (ROE) | 9.5895% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.5895% | 946 |
| Net charge-offs to loans | 0.3412% | 3,639 |
| Credit loss provision to net charge-offs | 246.5241% | 1,560 |
| Earnings coverage of net charge-offs (x) | 8.5080% | 2,127 |
| Efficiency ratio | 53.8841% | 6,894 |
| Assets per employee ($millions) | 3.1160% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 3,161 |
| Loan loss allowance to noncurrent loans | 160.3627% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 2.0837% | 3,401 |
| Noncurrent loans to loans | 1.0460% | 5,216 |
| Net loans and leases to total assets | 85.2005% | 276 |
| Net loans and leases to deposits | 103.3773% | 518 |
| Net loans and leases to core deposits | 109.5327% | 1,197 |
| Total domestic deposits to total assets | 82.4170% | 4,820 |
| Equity capital to assets | 10.6455% | 3,223 |
| Core capital (leverage) ratio | 10.5203% | 2,615 |
| Tier 1 risk-based capital ratio | 13.6591% | 3,967 |
| Total risk-based capital ratio | 14.9171% | 3,923 |
| Memoranda: | ||
| Average total assets | $128,858,330 | 4,380 |
| Average earning assets | $116,614,000 | 4,402 |
| Average equity | $13,285,330 | 4,376 |
| Average total loans | $109,609,000 | 3,648 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0280% | 168 |
| Cost of funding earning assets | 1.8049% | 1,851 |
| Net interest margin | 5.2231% | 276 |
| Noninterest income to average assets | 0.6429% | 2,974 |
| Noninterest expense to average assets | 2.8097% | 4,449 |
| Loan and lease loss provision to assets | 0.9335% | 1,352 |
| Net operating income to assets | 1.0015% | 2,180 |
| Return on assets (ROA) | 1.0015% | 2,247 |
| Pretax return on assets | 1.6227% | 1,214 |
| Return on Equity (ROE) | 9.8720% | 2,148 |
| Retained earnings to average equity (ytd only) | 9.8720% | 1,171 |
| Net charge-offs to loans | 0.2237% | 3,592 |
| Credit loss provision to net charge-offs | 495.0820% | 863 |
| Earnings coverage of net charge-offs (x) | 13.5574% | 1,489 |
| Efficiency ratio | 52.3618% | 7,115 |
| Assets per employee ($millions) | 3.1522% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 3,128 |
| Loan loss allowance to noncurrent loans | 143.2496% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 2.4629% | 2,947 |
| Noncurrent loans to loans | 1.1744% | 5,015 |
| Net loans and leases to total assets | 82.5262% | 527 |
| Net loans and leases to deposits | 98.5311% | 861 |
| Net loans and leases to core deposits | 106.9533% | 1,497 |
| Total domestic deposits to total assets | 83.7565% | 4,258 |
| Equity capital to assets | 10.2779% | 3,499 |
| Core capital (leverage) ratio | 10.2755% | 2,836 |
| Tier 1 risk-based capital ratio | 13.0457% | 4,301 |
| Total risk-based capital ratio | 14.3021% | 4,268 |
| Memoranda: | ||
| Average total assets | $129,410,500 | 4,424 |
| Average earning assets | $117,018,000 | 4,448 |
| Average equity | $13,128,000 | 4,447 |
| Average total loans | $109,061,500 | 3,705 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0553% | 255 |
| Cost of funding earning assets | 2.1253% | 2,343 |
| Net interest margin | 4.9300% | 520 |
| Noninterest income to average assets | 0.7614% | 2,608 |
| Noninterest expense to average assets | 2.9839% | 4,214 |
| Loan and lease loss provision to assets | 0.7329% | 2,914 |
| Net operating income to assets | 0.9743% | 1,930 |
| Return on assets (ROA) | 0.9743% | 1,985 |
| Pretax return on assets | 1.5410% | 1,093 |
| Return on Equity (ROE) | 9.5348% | 1,844 |
| Retained earnings to average equity (ytd only) | 2.5638% | 3,354 |
| Net charge-offs to loans | 0.6540% | 3,229 |
| Credit loss provision to net charge-offs | 131.7212% | 3,829 |
| Earnings coverage of net charge-offs (x) | 4.0868% | 3,072 |
| Efficiency ratio | 56.7515% | 6,923 |
| Assets per employee ($millions) | 3.1605% | 5,825 |
| Cash dividends to net income (ytd only)* | 73.1113% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 4,009 |
| Loan loss allowance to noncurrent loans | 115.3678% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 2.5297% | 2,766 |
| Noncurrent loans to loans | 1.2523% | 4,851 |
| Net loans and leases to total assets | 83.3897% | 503 |
| Net loans and leases to deposits | 99.1922% | 975 |
| Net loans and leases to core deposits | 129.5908% | 1,304 |
| Total domestic deposits to total assets | 84.0688% | 3,996 |
| Equity capital to assets | 10.0114% | 3,751 |
| Core capital (leverage) ratio | 10.2272% | 2,857 |
| Tier 1 risk-based capital ratio | 13.4513% | 3,848 |
| Total risk-based capital ratio | 14.7063% | 3,798 |
| Memoranda: | ||
| Average total assets | $126,345,200 | 4,417 |
| Average earning assets | $115,232,400 | 4,413 |
| Average equity | $12,910,600 | 4,531 |
| Average total loans | $107,488,800 | 3,749 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0211% | 294 |
| Cost of funding earning assets | 2.2141% | 2,342 |
| Net interest margin | 4.8070% | 672 |
| Noninterest income to average assets | 0.7307% | 2,821 |
| Noninterest expense to average assets | 2.9069% | 4,425 |
| Loan and lease loss provision to assets | 0.5523% | 3,176 |
| Net operating income to assets | 0.9973% | 2,071 |
| Return on assets (ROA) | 0.9973% | 2,127 |
| Pretax return on assets | 1.6664% | 1,031 |
| Return on Equity (ROE) | 9.7090% | 2,029 |
| Retained earnings to average equity (ytd only) | 0.4033% | 5,030 |
| Net charge-offs to loans | 0.6183% | 2,825 |
| Credit loss provision to net charge-offs | 104.8387% | 4,844 |
| Earnings coverage of net charge-offs (x) | 4.2117% | 3,214 |
| Efficiency ratio | 56.7136% | 6,904 |
| Assets per employee ($millions) | 2.9821% | 6,208 |
| Cash dividends to net income (ytd only)* | 95.8465% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 4,803 |
| Loan loss allowance to noncurrent loans | 54.0172% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 2.6459% | 2,629 |
| Noncurrent loans to loans | 2.3193% | 3,241 |
| Net loans and leases to total assets | 87.1569% | 261 |
| Net loans and leases to deposits | 105.9135% | 655 |
| Net loans and leases to core deposits | 135.3586% | 1,135 |
| Total domestic deposits to total assets | 82.2906% | 4,546 |
| Equity capital to assets | 10.1261% | 3,932 |
| Core capital (leverage) ratio | 10.1028% | 3,171 |
| Tier 1 risk-based capital ratio | 12.4729% | 4,566 |
| Total risk-based capital ratio | 12.5881% | 5,542 |
| Memoranda: | ||
| Average total assets | $125,536,000 | 4,464 |
| Average earning assets | $114,774,750 | 4,458 |
| Average equity | $12,895,000 | 4,565 |
| Average total loans | $106,950,500 | 3,796 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0497% | 291 |
| Cost of funding earning assets | 2.3261% | 2,256 |
| Net interest margin | 4.7236% | 771 |
| Noninterest income to average assets | 0.7021% | 2,980 |
| Noninterest expense to average assets | 2.8878% | 4,546 |
| Loan and lease loss provision to assets | 0.3821% | 3,628 |
| Net operating income to assets | 0.9998% | 2,104 |
| Return on assets (ROA) | 0.9998% | 2,199 |
| Pretax return on assets | 1.7480% | 936 |
| Return on Equity (ROE) | 9.6871% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.6871% | 789 |
| Net charge-offs to loans | 0.4066% | 3,164 |
| Credit loss provision to net charge-offs | 111.6279% | 4,148 |
| Earnings coverage of net charge-offs (x) | 6.2233% | 2,665 |
| Efficiency ratio | 57.5508% | 6,935 |
| Assets per employee ($millions) | 2.9576% | 6,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 4,282 |
| Loan loss allowance to noncurrent loans | 82.3040% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 2.1502% | 2,998 |
| Noncurrent loans to loans | 1.5779% | 4,133 |
| Net loans and leases to total assets | 84.8020% | 528 |
| Net loans and leases to deposits | 104.2258% | 894 |
| Net loans and leases to core deposits | 129.0991% | 1,640 |
| Total domestic deposits to total assets | 81.3637% | 4,939 |
| Equity capital to assets | 10.6770% | 3,224 |
| Core capital (leverage) ratio | 10.4696% | 2,838 |
| Tier 1 risk-based capital ratio | 13.6140% | 3,748 |
| Total risk-based capital ratio | 13.7403% | 4,453 |
| Memoranda: | ||
| Average total assets | $125,631,330 | 4,488 |
| Average earning assets | $114,785,000 | 4,496 |
| Average equity | $12,965,670 | 4,553 |
| Average total loans | $105,751,000 | 3,864 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9606% | 371 |
| Cost of funding earning assets | 2.3873% | 2,345 |
| Net interest margin | 4.5733% | 987 |
| Noninterest income to average assets | 0.6807% | 3,000 |
| Noninterest expense to average assets | 2.7007% | 5,003 |
| Loan and lease loss provision to assets | 0.5066% | 2,447 |
| Net operating income to assets | 1.0765% | 2,043 |
| Return on assets (ROA) | 1.0765% | 2,176 |
| Pretax return on assets | 1.6464% | 1,297 |
| Return on Equity (ROE) | 10.6109% | 2,098 |
| Retained earnings to average equity (ytd only) | 10.6109% | 1,053 |
| Net charge-offs to loans | 0.1710% | 3,607 |
| Credit loss provision to net charge-offs | 355.5556% | 1,424 |
| Earnings coverage of net charge-offs (x) | 15.1111% | 1,622 |
| Efficiency ratio | 55.6425% | 7,013 |
| Assets per employee ($millions) | 3.0226% | 6,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 3,439 |
| Loan loss allowance to noncurrent loans | 95.2873% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 2.0236% | 2,861 |
| Noncurrent loans to loans | 1.4816% | 4,081 |
| Net loans and leases to total assets | 81.1934% | 1,161 |
| Net loans and leases to deposits | 100.6739% | 1,319 |
| Net loans and leases to core deposits | 124.5123% | 2,040 |
| Total domestic deposits to total assets | 80.6499% | 5,113 |
| Equity capital to assets | 10.2276% | 3,737 |
| Core capital (leverage) ratio | 10.2097% | 3,191 |
| Tier 1 risk-based capital ratio | 13.3090% | 3,989 |
| Total risk-based capital ratio | 14.5622% | 3,908 |
| Memoranda: | ||
| Average total assets | $126,337,000 | 4,486 |
| Average earning assets | $115,277,000 | 4,496 |
| Average equity | $12,817,000 | 4,621 |
| Average total loans | $105,263,000 | 3,899 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7292% | 265 |
| Cost of funding earning assets | 2.9013% | 2,263 |
| Net interest margin | 4.8279% | 738 |
| Noninterest income to average assets | 0.8017% | 2,504 |
| Noninterest expense to average assets | 2.9820% | 4,148 |
| Loan and lease loss provision to assets | 0.4068% | 3,247 |
| Net operating income to assets | 0.9319% | 2,868 |
| Return on assets (ROA) | 0.9431% | 2,683 |
| Pretax return on assets | 1.8447% | 859 |
| Return on Equity (ROE) | 9.4551% | 2,455 |
| Retained earnings to average equity (ytd only) | 2.6442% | 3,539 |
| Net charge-offs to loans | 0.4749% | 2,460 |
| Credit loss provision to net charge-offs | 103.6660% | 5,161 |
| Earnings coverage of net charge-offs (x) | 5.6925% | 3,561 |
| Efficiency ratio | 57.1713% | 6,839 |
| Assets per employee ($millions) | 3.2237% | 5,418 |
| Cash dividends to net income (ytd only)* | 72.0339% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 3,899 |
| Loan loss allowance to noncurrent loans | 84.5867% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.8493% | 2,672 |
| Noncurrent loans to loans | 1.5183% | 3,510 |
| Net loans and leases to total assets | 83.2093% | 1,012 |
| Net loans and leases to deposits | 103.0802% | 1,455 |
| Net loans and leases to core deposits | 129.5979% | 1,878 |
| Total domestic deposits to total assets | 80.7229% | 4,762 |
| Equity capital to assets | 10.0617% | 3,964 |
| Core capital (leverage) ratio | 10.1282% | 3,337 |
| Tier 1 risk-based capital ratio | 12.8351% | 4,194 |
| Total risk-based capital ratio | 14.0863% | 4,123 |
| Memoranda: | ||
| Average total assets | $125,116,800 | 4,392 |
| Average earning assets | $114,396,800 | 4,403 |
| Average equity | $12,480,000 | 4,702 |
| Average total loans | $103,389,200 | 3,864 |