Home > CenterBank > Performance and Condition Ratios
CenterBank, 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 | 5.7744% | 860 |
| Cost of funding earning assets | 2.4628% | 396 |
| Net interest margin | 3.3117% | 2,605 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.4713% | 2,378 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9389% | 2,408 |
| Return on assets (ROA) | 0.9389% | 2,395 |
| Pretax return on assets | 1.1766% | 2,200 |
| Return on Equity (ROE) | 8.7500% | 2,816 |
| Retained earnings to average equity (ytd only) | 6.2479% | 2,153 |
| Net charge-offs to loans | -0.0008% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.2998% | 2,192 |
| Assets per employee ($millions) | 7.7986% | 1,536 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 1,983 |
| Loan loss allowance to noncurrent loans | 6,816.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,642 |
| Noncurrent loans to loans | 0.0184% | 3,611 |
| Net loans and leases to total assets | 85.8800% | 164 |
| Net loans and leases to deposits | 104.4276% | 343 |
| Net loans and leases to core deposits | 135.6495% | 324 |
| Total domestic deposits to total assets | 82.2400% | 3,080 |
| Equity capital to assets | 10.6981% | 1,632 |
| Core capital (leverage) ratio | 11.6895% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $298,226,600 | 2,436 |
| Average earning assets | $283,544,200 | 2,394 |
| Average equity | $32,010,600 | 2,186 |
| Average total loans | $255,433,400 | 1,975 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6509% | 851 |
| Cost of funding earning assets | 2.2620% | 443 |
| Net interest margin | 3.3889% | 2,478 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.4744% | 2,308 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9891% | 2,396 |
| Return on assets (ROA) | 0.9891% | 2,384 |
| Pretax return on assets | 1.2225% | 2,243 |
| Return on Equity (ROE) | 9.2100% | 2,870 |
| Retained earnings to average equity (ytd only) | 9.2071% | 1,634 |
| Net charge-offs to loans | -0.0011% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.7684% | 2,183 |
| Assets per employee ($millions) | 7.7850% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,023 |
| Loan loss allowance to noncurrent loans | 3,389.8990% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 3,471 |
| Noncurrent loans to loans | 0.0374% | 3,498 |
| Net loans and leases to total assets | 86.1300% | 151 |
| Net loans and leases to deposits | 101.2812% | 462 |
| Net loans and leases to core deposits | 138.7814% | 231 |
| Total domestic deposits to total assets | 85.0400% | 2,484 |
| Equity capital to assets | 10.5904% | 1,515 |
| Core capital (leverage) ratio | 12.0823% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $294,797,500 | 2,449 |
| Average earning assets | $280,160,750 | 2,414 |
| Average equity | $31,670,250 | 2,182 |
| Average total loans | $251,468,250 | 1,993 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4375% | 914 |
| Cost of funding earning assets | 1.9765% | 518 |
| Net interest margin | 3.4610% | 2,364 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.5101% | 2,179 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.0190% | 2,362 |
| Return on assets (ROA) | 1.0190% | 2,350 |
| Pretax return on assets | 1.2602% | 2,188 |
| Return on Equity (ROE) | 9.4400% | 2,849 |
| Retained earnings to average equity (ytd only) | 9.4386% | 1,567 |
| Net charge-offs to loans | -0.0008% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.3347% | 2,190 |
| Assets per employee ($millions) | 7.5235% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 1,857 |
| Loan loss allowance to noncurrent loans | 840.8521% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,598 |
| Noncurrent loans to loans | 0.1565% | 2,690 |
| Net loans and leases to total assets | 85.7200% | 166 |
| Net loans and leases to deposits | 112.7344% | 162 |
| Net loans and leases to core deposits | 138.5029% | 230 |
| Total domestic deposits to total assets | 76.0400% | 4,037 |
| Equity capital to assets | 11.0215% | 1,380 |
| Core capital (leverage) ratio | 12.3970% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $291,858,000 | 2,476 |
| Average earning assets | $278,068,333 | 2,435 |
| Average equity | $31,509,000 | 2,200 |
| Average total loans | $247,007,000 | 2,014 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 840 |
| Cost of funding earning assets | 1.7295% | 528 |
| Net interest margin | 3.5585% | 2,226 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.5354% | 2,146 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0320% | 2,429 |
| Return on assets (ROA) | 1.0320% | 2,399 |
| Pretax return on assets | 1.2766% | 2,234 |
| Return on Equity (ROE) | 9.6600% | 2,882 |
| Retained earnings to average equity (ytd only) | 9.6610% | 1,779 |
| Net charge-offs to loans | -0.0016% | 3,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.0344% | 2,200 |
| Assets per employee ($millions) | 7.1107% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,763 |
| Loan loss allowance to noncurrent loans | 3,947.0588% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,488 |
| Noncurrent loans to loans | 0.0346% | 3,499 |
| Net loans and leases to total assets | 83.1800% | 287 |
| Net loans and leases to deposits | 114.3361% | 125 |
| Net loans and leases to core deposits | 136.6605% | 210 |
| Total domestic deposits to total assets | 72.7500% | 4,332 |
| Equity capital to assets | 10.8659% | 1,394 |
| Core capital (leverage) ratio | 12.2670% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $291,078,000 | 2,511 |
| Average earning assets | $277,305,000 | 2,464 |
| Average equity | $31,094,000 | 2,246 |
| Average total loans | $243,071,000 | 2,052 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8537% | 389 |
| Cost of funding earning assets | 0.6478% | 721 |
| Net interest margin | 4.2058% | 524 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.7497% | 1,437 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.3139% | 1,382 |
| Return on assets (ROA) | 1.3139% | 1,347 |
| Pretax return on assets | 1.6631% | 1,008 |
| Return on Equity (ROE) | 11.8300% | 2,201 |
| Retained earnings to average equity (ytd only) | 11.8286% | 705 |
| Net charge-offs to loans | -0.0245% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.3135% | 3,012 |
| Assets per employee ($millions) | 7.0883% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 1,539 |
| Loan loss allowance to noncurrent loans | 595.3571% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 2,211 |
| Noncurrent loans to loans | 0.2331% | 2,340 |
| Net loans and leases to total assets | 81.5300% | 450 |
| Net loans and leases to deposits | 110.8957% | 146 |
| Net loans and leases to core deposits | 128.3804% | 248 |
| Total domestic deposits to total assets | 73.5200% | 4,373 |
| Equity capital to assets | 10.4983% | 1,450 |
| Core capital (leverage) ratio | 12.1204% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $270,105,200 | 2,607 |
| Average earning assets | $258,547,600 | 2,555 |
| Average equity | $30,003,600 | 2,336 |
| Average total loans | $228,409,000 | 2,065 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7441% | 323 |
| Cost of funding earning assets | 0.4822% | 832 |
| Net interest margin | 4.2619% | 362 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.7589% | 1,328 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.5493% | 743 |
| Return on assets (ROA) | 1.5493% | 728 |
| Pretax return on assets | 1.9609% | 509 |
| Return on Equity (ROE) | 13.7400% | 1,499 |
| Retained earnings to average equity (ytd only) | 13.7404% | 502 |
| Net charge-offs to loans | -0.0012% | 3,200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.3116% | 3,469 |
| Assets per employee ($millions) | 6.4455% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 1,843 |
| Loan loss allowance to noncurrent loans | 601.1742% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 2,314 |
| Noncurrent loans to loans | 0.2229% | 2,498 |
| Net loans and leases to total assets | 85.5900% | 151 |
| Net loans and leases to deposits | 111.5393% | 110 |
| Net loans and leases to core deposits | 119.0713% | 277 |
| Total domestic deposits to total assets | 76.7400% | 4,333 |
| Equity capital to assets | 11.1230% | 1,137 |
| Core capital (leverage) ratio | 12.8227% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $264,976,750 | 2,655 |
| Average earning assets | $253,841,000 | 2,608 |
| Average equity | $29,877,000 | 2,373 |
| Average total loans | $225,439,500 | 2,077 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 292 |
| Cost of funding earning assets | 0.3972% | 935 |
| Net interest margin | 4.2238% | 319 |
| Noninterest income to average assets | 0.7692% | 1,125 |
| Noninterest expense to average assets | 2.7532% | 1,260 |
| Loan and lease loss provision to assets | 0.0943% | 1,055 |
| Net operating income to assets | 1.5572% | 611 |
| Return on assets (ROA) | 1.5572% | 596 |
| Pretax return on assets | 1.9712% | 405 |
| Return on Equity (ROE) | 13.7493% | 1,178 |
| Retained earnings to average equity (ytd only) | 13.7493% | 390 |
| Net charge-offs to loans | -0.0009% | 3,032 |
| Credit loss provision to net charge-offs | -12,500.0000% | 3,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1362% | 3,669 |
| Assets per employee ($millions) | 5.7948% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 1,981 |
| Loan loss allowance to noncurrent loans | 4,629.2308% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 3,745 |
| Noncurrent loans to loans | 0.0290% | 3,739 |
| Net loans and leases to total assets | 84.6684% | 155 |
| Net loans and leases to deposits | 103.7143% | 175 |
| Net loans and leases to core deposits | 109.6070% | 360 |
| Total domestic deposits to total assets | 81.6362% | 4,059 |
| Equity capital to assets | 11.3135% | 1,095 |
| Core capital (leverage) ratio | 12.4094% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,214,333 | 2,678 |
| Average earning assets | $254,272,333 | 2,641 |
| Average equity | $30,038,000 | 2,417 |
| Average total loans | $224,163,667 | 2,085 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 316 |
| Cost of funding earning assets | 0.4026% | 854 |
| Net interest margin | 4.0865% | 348 |
| Noninterest income to average assets | 0.9228% | 804 |
| Noninterest expense to average assets | 2.6683% | 1,433 |
| Loan and lease loss provision to assets | 0.0927% | 893 |
| Net operating income to assets | 1.6423% | 463 |
| Return on assets (ROA) | 1.6423% | 463 |
| Pretax return on assets | 2.0790% | 310 |
| Return on Equity (ROE) | 14.4922% | 731 |
| Retained earnings to average equity (ytd only) | 14.4922% | 329 |
| Net charge-offs to loans | -0.0018% | 3,089 |
| Credit loss provision to net charge-offs | -6,200.0000% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1298% | 3,956 |
| Assets per employee ($millions) | 6.2580% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 2,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 83.1775% | 115 |
| Net loans and leases to deposits | 101.9692% | 143 |
| Net loans and leases to core deposits | 106.9694% | 332 |
| Total domestic deposits to total assets | 81.5712% | 4,140 |
| Equity capital to assets | 11.3853% | 1,167 |
| Core capital (leverage) ratio | 12.0002% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,437,500 | 2,679 |
| Average earning assets | $256,353,500 | 2,640 |
| Average equity | $30,306,000 | 2,466 |
| Average total loans | $224,347,000 | 2,077 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7194% | 407 |
| Cost of funding earning assets | 0.5651% | 651 |
| Net interest margin | 4.1543% | 538 |
| Noninterest income to average assets | 1.4383% | 542 |
| Noninterest expense to average assets | 2.7783% | 1,415 |
| Loan and lease loss provision to assets | -0.1294% | 4,597 |
| Net operating income to assets | 2.1644% | 261 |
| Return on assets (ROA) | 2.1676% | 272 |
| Pretax return on assets | 2.7439% | 188 |
| Return on Equity (ROE) | 21.5421% | 236 |
| Retained earnings to average equity (ytd only) | 21.5421% | 43 |
| Net charge-offs to loans | -0.0045% | 3,529 |
| Credit loss provision to net charge-offs | 3,500.0000% | 190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5580% | 4,149 |
| Assets per employee ($millions) | 6.4771% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,505 |
| Loan loss allowance to noncurrent loans | 550.1908% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 2,599 |
| Noncurrent loans to loans | 0.2307% | 2,804 |
| Net loans and leases to total assets | 82.4311% | 163 |
| Net loans and leases to deposits | 106.7158% | 104 |
| Net loans and leases to core deposits | 109.5932% | 291 |
| Total domestic deposits to total assets | 77.2435% | 4,452 |
| Equity capital to assets | 11.2805% | 1,616 |
| Core capital (leverage) ratio | 11.7644% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,386,000 | 2,601 |
| Average earning assets | $257,108,400 | 2,572 |
| Average equity | $27,207,200 | 2,708 |
| Average total loans | $222,628,000 | 2,089 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 408 |
| Cost of funding earning assets | 0.6040% | 630 |
| Net interest margin | 4.1957% | 549 |
| Noninterest income to average assets | 1.1690% | 840 |
| Noninterest expense to average assets | 2.7903% | 1,367 |
| Loan and lease loss provision to assets | 0.2841% | 293 |
| Net operating income to assets | 1.6358% | 944 |
| Return on assets (ROA) | 1.6401% | 982 |
| Pretax return on assets | 2.0762% | 703 |
| Return on Equity (ROE) | 16.8123% | 796 |
| Retained earnings to average equity (ytd only) | 16.8123% | 254 |
| Net charge-offs to loans | -0.0054% | 3,459 |
| Credit loss provision to net charge-offs | -6,388.8889% | 4,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2331% | 3,777 |
| Assets per employee ($millions) | 6.3487% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7934% | 940 |
| Loan loss allowance to noncurrent loans | 679.8214% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 2,704 |
| Noncurrent loans to loans | 0.2638% | 2,870 |
| Net loans and leases to total assets | 80.0892% | 286 |
| Net loans and leases to deposits | 98.2473% | 269 |
| Net loans and leases to core deposits | 101.4171% | 541 |
| Total domestic deposits to total assets | 81.5180% | 4,012 |
| Equity capital to assets | 10.7923% | 2,171 |
| Core capital (leverage) ratio | 11.0405% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,973,250 | 2,623 |
| Average earning assets | $255,840,500 | 2,595 |
| Average equity | $26,337,250 | 2,796 |
| Average total loans | $221,503,500 | 2,127 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6783% | 546 |
| Cost of funding earning assets | 0.6286% | 644 |
| Net interest margin | 4.0497% | 755 |
| Noninterest income to average assets | 1.2255% | 775 |
| Noninterest expense to average assets | 2.8089% | 1,333 |
| Loan and lease loss provision to assets | 0.4209% | 140 |
| Net operating income to assets | 1.4497% | 1,418 |
| Return on assets (ROA) | 1.4561% | 1,479 |
| Pretax return on assets | 1.8426% | 1,137 |
| Return on Equity (ROE) | 15.4471% | 1,057 |
| Retained earnings to average equity (ytd only) | 15.4471% | 377 |
| Net charge-offs to loans | -0.0018% | 3,175 |
| Credit loss provision to net charge-offs | -28,750.0000% | 4,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4640% | 3,608 |
| Assets per employee ($millions) | 6.8679% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 1,028 |
| Loan loss allowance to noncurrent loans | 3,304.3478% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 3,972 |
| Noncurrent loans to loans | 0.0519% | 3,917 |
| Net loans and leases to total assets | 79.2294% | 363 |
| Net loans and leases to deposits | 98.2291% | 305 |
| Net loans and leases to core deposits | 101.8984% | 595 |
| Total domestic deposits to total assets | 80.6578% | 4,131 |
| Equity capital to assets | 9.7541% | 3,090 |
| Core capital (leverage) ratio | 10.3921% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,199,000 | 2,587 |
| Average earning assets | $258,981,000 | 2,563 |
| Average equity | $25,752,333 | 2,828 |
| Average total loans | $224,579,333 | 2,127 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 619 |
| Cost of funding earning assets | 0.6582% | 658 |
| Net interest margin | 3.9790% | 870 |
| Noninterest income to average assets | 1.3537% | 713 |
| Noninterest expense to average assets | 2.8469% | 1,267 |
| Loan and lease loss provision to assets | 0.8442% | 54 |
| Net operating income to assets | 1.1261% | 2,396 |
| Return on assets (ROA) | 1.1261% | 2,468 |
| Pretax return on assets | 1.4256% | 2,208 |
| Return on Equity (ROE) | 12.1599% | 1,965 |
| Retained earnings to average equity (ytd only) | 12.1599% | 1,111 |
| Net charge-offs to loans | -0.0018% | 3,114 |
| Credit loss provision to net charge-offs | -57,500.0000% | 3,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6385% | 3,580 |
| Assets per employee ($millions) | 6.6278% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 1,157 |
| Loan loss allowance to noncurrent loans | 9,997.3684% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,281 |
| Noncurrent loans to loans | 0.0166% | 4,213 |
| Net loans and leases to total assets | 81.0782% | 279 |
| Net loans and leases to deposits | 104.6536% | 194 |
| Net loans and leases to core deposits | 111.1366% | 380 |
| Total domestic deposits to total assets | 77.4729% | 4,485 |
| Equity capital to assets | 9.1872% | 3,503 |
| Core capital (leverage) ratio | 10.4828% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,441,000 | 2,583 |
| Average earning assets | $257,655,500 | 2,558 |
| Average equity | $25,230,500 | 2,856 |
| Average total loans | $226,141,500 | 2,116 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1811% | 345 |
| Cost of funding earning assets | 1.0707% | 456 |
| Net interest margin | 4.1104% | 765 |
| Noninterest income to average assets | 1.0927% | 894 |
| Noninterest expense to average assets | 2.7943% | 1,950 |
| Loan and lease loss provision to assets | 0.7195% | 216 |
| Net operating income to assets | 1.1718% | 1,645 |
| Return on assets (ROA) | 1.1718% | 1,759 |
| Pretax return on assets | 1.4833% | 1,397 |
| Return on Equity (ROE) | 12.9588% | 1,050 |
| Retained earnings to average equity (ytd only) | 12.2081% | 298 |
| Net charge-offs to loans | 0.5438% | 280 |
| Credit loss provision to net charge-offs | 153.4326% | 2,402 |
| Earnings coverage of net charge-offs (x) | 4.6973% | 2,953 |
| Efficiency ratio | 55.9187% | 3,994 |
| Assets per employee ($millions) | 6.5004% | 1,920 |
| Cash dividends to net income (ytd only)* | 5.7928% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 1,787 |
| Loan loss allowance to noncurrent loans | 8,264.1026% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 4,339 |
| Noncurrent loans to loans | 0.0175% | 4,283 |
| Net loans and leases to total assets | 82.3841% | 266 |
| Net loans and leases to deposits | 102.9850% | 285 |
| Net loans and leases to core deposits | 111.4526% | 472 |
| Total domestic deposits to total assets | 79.9962% | 4,042 |
| Equity capital to assets | 9.3379% | 3,758 |
| Core capital (leverage) ratio | 9.7569% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9643% | 2,247 |
| Memoranda: | ||
| Average total assets | $257,809,000 | 2,526 |
| Average earning assets | $244,892,000 | 2,492 |
| Average equity | $23,312,400 | 2,918 |
| Average total loans | $222,322,400 | 2,094 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1345% | 469 |
| Cost of funding earning assets | 1.1267% | 482 |
| Net interest margin | 4.0078% | 1,100 |
| Noninterest income to average assets | 1.2304% | 721 |
| Noninterest expense to average assets | 2.8102% | 1,941 |
| Loan and lease loss provision to assets | 0.7745% | 247 |
| Net operating income to assets | 1.1605% | 1,783 |
| Return on assets (ROA) | 1.1605% | 1,899 |
| Pretax return on assets | 1.4693% | 1,518 |
| Return on Equity (ROE) | 12.9440% | 1,128 |
| Retained earnings to average equity (ytd only) | 11.9259% | 434 |
| Net charge-offs to loans | 0.5904% | 242 |
| Credit loss provision to net charge-offs | 150.9146% | 2,319 |
| Earnings coverage of net charge-offs (x) | 4.3720% | 2,827 |
| Efficiency ratio | 55.6037% | 3,974 |
| Assets per employee ($millions) | 7.2791% | 1,334 |
| Cash dividends to net income (ytd only)* | 7.8652% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,201 |
| Loan loss allowance to noncurrent loans | 1,368.0000% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 4,036 |
| Noncurrent loans to loans | 0.0942% | 3,990 |
| Net loans and leases to total assets | 83.0427% | 361 |
| Net loans and leases to deposits | 109.8947% | 229 |
| Net loans and leases to core deposits | 118.7058% | 443 |
| Total domestic deposits to total assets | 75.5657% | 4,461 |
| Equity capital to assets | 8.4763% | 4,477 |
| Core capital (leverage) ratio | 9.6045% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4167% | 2,453 |
| Memoranda: | ||
| Average total assets | $255,632,500 | 2,527 |
| Average earning assets | $243,885,000 | 2,489 |
| Average equity | $22,918,750 | 2,944 |
| Average total loans | $222,205,750 | 2,089 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3426% | 450 |
| Cost of funding earning assets | 1.2396% | 447 |
| Net interest margin | 4.1030% | 1,104 |
| Noninterest income to average assets | 1.1340% | 776 |
| Noninterest expense to average assets | 2.8625% | 1,935 |
| Loan and lease loss provision to assets | 0.6986% | 396 |
| Net operating income to assets | 1.1795% | 1,696 |
| Return on assets (ROA) | 1.1795% | 1,830 |
| Pretax return on assets | 1.4930% | 1,470 |
| Return on Equity (ROE) | 12.8853% | 1,128 |
| Retained earnings to average equity (ytd only) | 11.3323% | 561 |
| Net charge-offs to loans | 0.5400% | 293 |
| Credit loss provision to net charge-offs | 147.0085% | 2,146 |
| Earnings coverage of net charge-offs (x) | 4.6120% | 2,582 |
| Efficiency ratio | 56.6377% | 3,870 |
| Assets per employee ($millions) | 7.2827% | 1,286 |
| Cash dividends to net income (ytd only)* | 12.0523% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,546 |
| Loan loss allowance to noncurrent loans | 357.3935% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 3,170 |
| Noncurrent loans to loans | 0.3343% | 3,193 |
| Net loans and leases to total assets | 85.2170% | 175 |
| Net loans and leases to deposits | 113.4031% | 165 |
| Net loans and leases to core deposits | 124.1083% | 343 |
| Total domestic deposits to total assets | 75.1453% | 4,504 |
| Equity capital to assets | 8.4161% | 4,519 |
| Core capital (leverage) ratio | 9.5731% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9683% | 2,626 |
| Memoranda: | ||
| Average total assets | $246,215,333 | 2,565 |
| Average earning assets | $235,243,000 | 2,524 |
| Average equity | $22,537,333 | 2,959 |
| Average total loans | $216,666,667 | 2,113 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4036% | 460 |
| Cost of funding earning assets | 1.4010% | 397 |
| Net interest margin | 4.0026% | 1,389 |
| Noninterest income to average assets | 0.7447% | 1,476 |
| Noninterest expense to average assets | 2.8629% | 2,232 |
| Loan and lease loss provision to assets | 0.1559% | 1,841 |
| Net operating income to assets | 1.2366% | 1,415 |
| Return on assets (ROA) | 1.2366% | 1,514 |
| Pretax return on assets | 1.5657% | 1,140 |
| Return on Equity (ROE) | 12.8878% | 901 |
| Retained earnings to average equity (ytd only) | 12.8878% | 332 |
| Net charge-offs to loans | -0.0019% | 3,648 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4481% | 3,444 |
| Assets per employee ($millions) | 6.0788% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,322 |
| Loan loss allowance to noncurrent loans | 1,667.5000% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 4,263 |
| Noncurrent loans to loans | 0.0757% | 4,213 |
| Net loans and leases to total assets | 87.9907% | 68 |
| Net loans and leases to deposits | 107.8213% | 238 |
| Net loans and leases to core deposits | 123.7830% | 369 |
| Total domestic deposits to total assets | 81.6079% | 3,520 |
| Equity capital to assets | 9.5227% | 4,200 |
| Core capital (leverage) ratio | 9.7649% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6874% | 2,848 |
| Memoranda: | ||
| Average total assets | $230,951,000 | 2,617 |
| Average earning assets | $221,555,500 | 2,561 |
| Average equity | $22,160,500 | 2,984 |
| Average total loans | $205,657,500 | 2,144 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6850% | 412 |
| Cost of funding earning assets | 1.3560% | 644 |
| Net interest margin | 4.3290% | 1,035 |
| Noninterest income to average assets | 0.7096% | 1,779 |
| Noninterest expense to average assets | 3.0026% | 2,010 |
| Loan and lease loss provision to assets | 0.1549% | 1,361 |
| Net operating income to assets | 1.3279% | 1,588 |
| Return on assets (ROA) | 1.3307% | 1,662 |
| Pretax return on assets | 1.6842% | 1,233 |
| Return on Equity (ROE) | 13.2592% | 1,096 |
| Retained earnings to average equity (ytd only) | 12.1568% | 229 |
| Net charge-offs to loans | -0.0209% | 4,633 |
| Credit loss provision to net charge-offs | -828.9474% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0592% | 3,370 |
| Assets per employee ($millions) | 5.9165% | 1,693 |
| Cash dividends to net income (ytd only)* | 8.3149% | 3,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 1,980 |
| Loan loss allowance to noncurrent loans | 1,073.7500% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 4,090 |
| Noncurrent loans to loans | 0.1200% | 4,051 |
| Net loans and leases to total assets | 87.8302% | 87 |
| Net loans and leases to deposits | 102.8881% | 423 |
| Net loans and leases to core deposits | 119.3119% | 494 |
| Total domestic deposits to total assets | 85.3647% | 2,362 |
| Equity capital to assets | 9.6719% | 4,204 |
| Core capital (leverage) ratio | 9.7562% | 3,783 |
| Tier 1 risk-based capital ratio | 11.6784% | 4,537 |
| Total risk-based capital ratio | 12.9300% | 4,421 |
| Memoranda: | ||
| Average total assets | $203,357,600 | 2,815 |
| Average earning assets | $193,947,800 | 2,759 |
| Average equity | $20,408,400 | 3,095 |
| Average total loans | $181,544,800 | 2,302 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7230% | 401 |
| Cost of funding earning assets | 1.3065% | 769 |
| Net interest margin | 4.4164% | 917 |
| Noninterest income to average assets | 0.7131% | 1,729 |
| Noninterest expense to average assets | 3.0607% | 1,804 |
| Loan and lease loss provision to assets | 0.1145% | 1,699 |
| Net operating income to assets | 1.3798% | 1,532 |
| Return on assets (ROA) | 1.3798% | 1,605 |
| Pretax return on assets | 1.7468% | 1,207 |
| Return on Equity (ROE) | 13.6091% | 1,075 |
| Retained earnings to average equity (ytd only) | 12.1147% | 370 |
| Net charge-offs to loans | -0.0279% | 4,678 |
| Credit loss provision to net charge-offs | -459.4595% | 4,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1836% | 3,301 |
| Assets per employee ($millions) | 5.4660% | 2,059 |
| Cash dividends to net income (ytd only)* | 10.9809% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 88.5743% | 77 |
| Net loans and leases to deposits | 103.7730% | 423 |
| Net loans and leases to core deposits | 123.2305% | 434 |
| Total domestic deposits to total assets | 85.3539% | 2,270 |
| Equity capital to assets | 9.6419% | 4,343 |
| Core capital (leverage) ratio | 9.8938% | 3,741 |
| Tier 1 risk-based capital ratio | 11.4968% | 4,669 |
| Total risk-based capital ratio | 12.7476% | 4,568 |
| Memoranda: | ||
| Average total assets | $197,990,250 | 2,881 |
| Average earning assets | $188,685,750 | 2,830 |
| Average equity | $20,074,250 | 3,149 |
| Average total loans | $176,920,250 | 2,376 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6996% | 410 |
| Cost of funding earning assets | 1.1956% | 1,014 |
| Net interest margin | 4.5040% | 764 |
| Noninterest income to average assets | 0.6426% | 1,960 |
| Noninterest expense to average assets | 3.0820% | 1,783 |
| Loan and lease loss provision to assets | 0.0523% | 2,772 |
| Net operating income to assets | 1.4139% | 1,394 |
| Return on assets (ROA) | 1.4139% | 1,446 |
| Pretax return on assets | 1.7896% | 1,060 |
| Return on Equity (ROE) | 13.6889% | 1,055 |
| Retained earnings to average equity (ytd only) | 12.1690% | 388 |
| Net charge-offs to loans | -0.0422% | 4,786 |
| Credit loss provision to net charge-offs | -138.8889% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5930% | 3,343 |
| Assets per employee ($millions) | 4.9722% | 2,513 |
| Cash dividends to net income (ytd only)* | 11.1029% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,314 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 4,598 |
| Noncurrent loans to loans | 0.0375% | 4,522 |
| Net loans and leases to total assets | 90.3674% | 50 |
| Net loans and leases to deposits | 112.6175% | 176 |
| Net loans and leases to core deposits | 132.5758% | 277 |
| Total domestic deposits to total assets | 80.2427% | 3,989 |
| Equity capital to assets | 10.0187% | 3,959 |
| Core capital (leverage) ratio | 10.5248% | 3,059 |
| Tier 1 risk-based capital ratio | 11.4555% | 4,705 |
| Total risk-based capital ratio | 12.7061% | 4,599 |
| Memoranda: | ||
| Average total assets | $191,107,330 | 2,950 |
| Average earning assets | $181,660,670 | 2,900 |
| Average equity | $19,738,670 | 3,171 |
| Average total loans | $170,530,670 | 2,449 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6230% | 412 |
| Cost of funding earning assets | 1.0904% | 1,217 |
| Net interest margin | 4.5326% | 695 |
| Noninterest income to average assets | 0.6128% | 1,992 |
| Noninterest expense to average assets | 3.0812% | 1,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4486% | 1,240 |
| Return on assets (ROA) | 1.4486% | 1,270 |
| Pretax return on assets | 1.8340% | 903 |
| Return on Equity (ROE) | 13.7967% | 1,012 |
| Retained earnings to average equity (ytd only) | 12.2499% | 566 |
| Net charge-offs to loans | -0.0886% | 4,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6872% | 3,435 |
| Assets per employee ($millions) | 4.8175% | 2,770 |
| Cash dividends to net income (ytd only)* | 11.2108% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 1,916 |
| Loan loss allowance to noncurrent loans | 3,228.5714% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,652 |
| Noncurrent loans to loans | 0.0415% | 4,579 |
| Net loans and leases to total assets | 88.5625% | 82 |
| Net loans and leases to deposits | 108.5365% | 257 |
| Net loans and leases to core deposits | 117.5731% | 593 |
| Total domestic deposits to total assets | 81.5970% | 3,835 |
| Equity capital to assets | 10.5077% | 3,338 |
| Core capital (leverage) ratio | 10.9931% | 2,579 |
| Tier 1 risk-based capital ratio | 11.9040% | 4,516 |
| Total risk-based capital ratio | 13.1553% | 4,410 |
| Memoranda: | ||
| Average total assets | $184,731,500 | 3,036 |
| Average earning assets | $175,351,500 | 2,996 |
| Average equity | $19,396,000 | 3,211 |
| Average total loans | $162,530,000 | 2,537 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5170% | 383 |
| Cost of funding earning assets | 0.9103% | 1,052 |
| Net interest margin | 4.6067% | 595 |
| Noninterest income to average assets | 0.9957% | 951 |
| Noninterest expense to average assets | 3.3493% | 1,225 |
| Loan and lease loss provision to assets | 0.2600% | 652 |
| Net operating income to assets | 1.3936% | 1,451 |
| Return on assets (ROA) | 1.3927% | 1,452 |
| Pretax return on assets | 1.7689% | 1,000 |
| Return on Equity (ROE) | 13.4442% | 1,197 |
| Retained earnings to average equity (ytd only) | 12.1890% | 306 |
| Net charge-offs to loans | 0.1411% | 1,345 |
| Credit loss provision to net charge-offs | 205.4795% | 1,404 |
| Earnings coverage of net charge-offs (x) | 16.0411% | 2,281 |
| Efficiency ratio | 62.2623% | 3,474 |
| Assets per employee ($millions) | 4.6559% | 2,953 |
| Cash dividends to net income (ytd only)* | 9.3361% | 3,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,554 |
| Loan loss allowance to noncurrent loans | 358.1320% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 3,180 |
| Noncurrent loans to loans | 0.3970% | 3,108 |
| Net loans and leases to total assets | 84.9114% | 323 |
| Net loans and leases to deposits | 95.3566% | 1,137 |
| Net loans and leases to core deposits | 101.4382% | 1,611 |
| Total domestic deposits to total assets | 89.0462% | 837 |
| Equity capital to assets | 10.4912% | 3,203 |
| Core capital (leverage) ratio | 10.8923% | 2,635 |
| Tier 1 risk-based capital ratio | 12.0939% | 4,369 |
| Total risk-based capital ratio | 13.3456% | 4,256 |
| Memoranda: | ||
| Average total assets | $173,049,400 | 3,137 |
| Average earning assets | $164,673,000 | 3,090 |
| Average equity | $17,926,000 | 3,300 |
| Average total loans | $155,186,400 | 2,582 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 393 |
| Cost of funding earning assets | 0.8923% | 956 |
| Net interest margin | 4.5719% | 634 |
| Noninterest income to average assets | 1.0570% | 851 |
| Noninterest expense to average assets | 3.3809% | 1,150 |
| Loan and lease loss provision to assets | 0.2925% | 508 |
| Net operating income to assets | 1.3781% | 1,562 |
| Return on assets (ROA) | 1.3769% | 1,572 |
| Pretax return on assets | 1.7427% | 1,168 |
| Return on Equity (ROE) | 13.3368% | 1,315 |
| Retained earnings to average equity (ytd only) | 12.2033% | 453 |
| Net charge-offs to loans | 0.0973% | 1,522 |
| Credit loss provision to net charge-offs | 331.8584% | 953 |
| Earnings coverage of net charge-offs (x) | 23.1067% | 1,850 |
| Efficiency ratio | 62.4046% | 3,444 |
| Assets per employee ($millions) | 4.3938% | 3,284 |
| Cash dividends to net income (ytd only)* | 8.4988% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,454 |
| Loan loss allowance to noncurrent loans | 411.4964% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 3,414 |
| Noncurrent loans to loans | 0.3571% | 3,372 |
| Net loans and leases to total assets | 88.2277% | 133 |
| Net loans and leases to deposits | 99.2992% | 841 |
| Net loans and leases to core deposits | 105.6609% | 1,336 |
| Total domestic deposits to total assets | 88.8504% | 895 |
| Equity capital to assets | 10.7522% | 2,893 |
| Core capital (leverage) ratio | 10.9238% | 2,655 |
| Tier 1 risk-based capital ratio | 12.2850% | 4,328 |
| Total risk-based capital ratio | 13.5376% | 4,214 |
| Memoranda: | ||
| Average total assets | $170,916,500 | 3,188 |
| Average earning assets | $163,021,250 | 3,127 |
| Average equity | $17,645,000 | 3,359 |
| Average total loans | $154,881,250 | 2,599 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4420% | 355 |
| Cost of funding earning assets | 0.8838% | 777 |
| Net interest margin | 4.5581% | 613 |
| Noninterest income to average assets | 1.1548% | 722 |
| Noninterest expense to average assets | 3.4561% | 1,058 |
| Loan and lease loss provision to assets | 0.3045% | 457 |
| Net operating income to assets | 1.3670% | 1,545 |
| Return on assets (ROA) | 1.3679% | 1,547 |
| Pretax return on assets | 1.7322% | 1,135 |
| Return on Equity (ROE) | 13.4369% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.5741% | 439 |
| Net charge-offs to loans | 0.0901% | 1,445 |
| Credit loss provision to net charge-offs | 371.4286% | 865 |
| Earnings coverage of net charge-offs (x) | 24.8286% | 1,662 |
| Efficiency ratio | 62.9345% | 3,494 |
| Assets per employee ($millions) | 4.3983% | 3,281 |
| Cash dividends to net income (ytd only)* | 6.4212% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 1,716 |
| Loan loss allowance to noncurrent loans | 488.3669% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 3,647 |
| Noncurrent loans to loans | 0.2888% | 3,669 |
| Net loans and leases to total assets | 88.9550% | 107 |
| Net loans and leases to deposits | 100.4192% | 778 |
| Net loans and leases to core deposits | 105.8661% | 1,254 |
| Total domestic deposits to total assets | 88.5836% | 1,104 |
| Equity capital to assets | 10.4382% | 3,178 |
| Core capital (leverage) ratio | 10.4702% | 3,063 |
| Tier 1 risk-based capital ratio | 11.8721% | 4,574 |
| Total risk-based capital ratio | 13.1241% | 4,456 |
| Memoranda: | ||
| Average total assets | $170,768,670 | 3,208 |
| Average earning assets | $162,478,330 | 3,155 |
| Average equity | $17,385,000 | 3,404 |
| Average total loans | $155,361,000 | 2,602 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4132% | 324 |
| Cost of funding earning assets | 0.8620% | 716 |
| Net interest margin | 4.5512% | 552 |
| Noninterest income to average assets | 1.1762% | 664 |
| Noninterest expense to average assets | 3.4275% | 1,117 |
| Loan and lease loss provision to assets | 0.4343% | 246 |
| Net operating income to assets | 1.3061% | 1,622 |
| Return on assets (ROA) | 1.3006% | 1,643 |
| Pretax return on assets | 1.6457% | 1,257 |
| Return on Equity (ROE) | 12.9401% | 1,280 |
| Retained earnings to average equity (ytd only) | 12.9401% | 530 |
| Net charge-offs to loans | 0.0617% | 1,487 |
| Credit loss provision to net charge-offs | 770.8333% | 425 |
| Earnings coverage of net charge-offs (x) | 37.0417% | 1,109 |
| Efficiency ratio | 62.1541% | 3,754 |
| Assets per employee ($millions) | 4.4364% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 1,789 |
| Loan loss allowance to noncurrent loans | 2,659.2593% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 4,694 |
| Noncurrent loans to loans | 0.0531% | 4,744 |
| Net loans and leases to total assets | 89.1898% | 85 |
| Net loans and leases to deposits | 102.0158% | 575 |
| Net loans and leases to core deposits | 108.1074% | 1,115 |
| Total domestic deposits to total assets | 87.4275% | 1,939 |
| Equity capital to assets | 10.2988% | 3,287 |
| Core capital (leverage) ratio | 10.1884% | 3,318 |
| Tier 1 risk-based capital ratio | 11.6431% | 4,776 |
| Total risk-based capital ratio | 12.8954% | 4,668 |
| Memoranda: | ||
| Average total assets | $170,386,000 | 3,245 |
| Average earning assets | $162,418,500 | 3,184 |
| Average equity | $17,125,000 | 3,459 |
| Average total loans | $155,656,000 | 2,620 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2160% | 435 |
| Cost of funding earning assets | 0.8356% | 515 |
| Net interest margin | 4.3803% | 809 |
| Noninterest income to average assets | 1.2460% | 682 |
| Noninterest expense to average assets | 3.5405% | 969 |
| Loan and lease loss provision to assets | 0.1064% | 2,107 |
| Net operating income to assets | 1.1735% | 1,602 |
| Return on assets (ROA) | 1.1731% | 1,629 |
| Pretax return on assets | 1.7587% | 878 |
| Return on Equity (ROE) | 12.1863% | 1,161 |
| Retained earnings to average equity (ytd only) | 12.1863% | 169 |
| Net charge-offs to loans | 0.0236% | 3,336 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 87.6571% | 712 |
| Efficiency ratio | 65.4893% | 3,342 |
| Assets per employee ($millions) | 4.5313% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 2,440 |
| Loan loss allowance to noncurrent loans | 1,346.6216% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 4,696 |
| Noncurrent loans to loans | 0.0932% | 4,574 |
| Net loans and leases to total assets | 91.0663% | 48 |
| Net loans and leases to deposits | 103.6590% | 506 |
| Net loans and leases to core deposits | 109.4769% | 1,035 |
| Total domestic deposits to total assets | 87.8518% | 1,581 |
| Equity capital to assets | 9.8078% | 3,908 |
| Core capital (leverage) ratio | 10.0619% | 3,374 |
| Tier 1 risk-based capital ratio | 10.6669% | 5,310 |
| Total risk-based capital ratio | 11.9170% | 5,199 |
| Memoranda: | ||
| Average total assets | $164,440,600 | 3,299 |
| Average earning assets | $156,174,800 | 3,241 |
| Average equity | $15,829,200 | 3,620 |
| Average total loans | $148,604,200 | 2,667 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 406 |
| Cost of funding earning assets | 0.8349% | 483 |
| Net interest margin | 4.3847% | 749 |
| Noninterest income to average assets | 1.2307% | 693 |
| Noninterest expense to average assets | 3.5428% | 931 |
| Loan and lease loss provision to assets | 0.1436% | 1,471 |
| Net operating income to assets | 1.1189% | 1,998 |
| Return on assets (ROA) | 1.1183% | 2,065 |
| Pretax return on assets | 1.6976% | 1,132 |
| Return on Equity (ROE) | 11.6759% | 1,434 |
| Retained earnings to average equity (ytd only) | 11.6759% | 322 |
| Net charge-offs to loans | 0.0228% | 3,004 |
| Credit loss provision to net charge-offs | 700.0000% | 482 |
| Earnings coverage of net charge-offs (x) | 89.8068% | 746 |
| Efficiency ratio | 65.7931% | 3,249 |
| Assets per employee ($millions) | 4.4612% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 2,101 |
| Loan loss allowance to noncurrent loans | 685.9589% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 4,397 |
| Noncurrent loans to loans | 0.1974% | 4,291 |
| Net loans and leases to total assets | 88.3973% | 137 |
| Net loans and leases to deposits | 98.6679% | 850 |
| Net loans and leases to core deposits | 103.4015% | 1,441 |
| Total domestic deposits to total assets | 89.5908% | 625 |
| Equity capital to assets | 9.8834% | 4,046 |
| Core capital (leverage) ratio | 9.7959% | 3,825 |
| Tier 1 risk-based capital ratio | 11.0999% | 5,188 |
| Total risk-based capital ratio | 12.3509% | 5,078 |
| Memoranda: | ||
| Average total assets | $162,503,250 | 3,350 |
| Average earning assets | $153,954,750 | 3,299 |
| Average equity | $15,564,500 | 3,685 |
| Average total loans | $146,055,250 | 2,714 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1168% | 451 |
| Cost of funding earning assets | 0.8155% | 487 |
| Net interest margin | 4.3014% | 857 |
| Noninterest income to average assets | 1.1729% | 739 |
| Noninterest expense to average assets | 3.5410% | 950 |
| Loan and lease loss provision to assets | 0.1670% | 1,187 |
| Net operating income to assets | 1.0220% | 2,322 |
| Return on assets (ROA) | 1.0244% | 2,356 |
| Pretax return on assets | 1.5540% | 1,482 |
| Return on Equity (ROE) | 10.8132% | 1,711 |
| Retained earnings to average equity (ytd only) | 10.8132% | 467 |
| Net charge-offs to loans | 0.0110% | 3,072 |
| Credit loss provision to net charge-offs | 1,687.5000% | 244 |
| Earnings coverage of net charge-offs (x) | 173.5000% | 452 |
| Efficiency ratio | 67.3412% | 3,127 |
| Assets per employee ($millions) | 4.3971% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,361 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 4,724 |
| Noncurrent loans to loans | 0.1310% | 4,597 |
| Net loans and leases to total assets | 89.2446% | 106 |
| Net loans and leases to deposits | 101.7989% | 621 |
| Net loans and leases to core deposits | 106.3488% | 1,205 |
| Total domestic deposits to total assets | 87.6676% | 1,635 |
| Equity capital to assets | 9.4417% | 4,466 |
| Core capital (leverage) ratio | 9.6342% | 3,980 |
| Tier 1 risk-based capital ratio | 10.5779% | 5,431 |
| Total risk-based capital ratio | 11.8286% | 5,356 |
| Memoranda: | ||
| Average total assets | $161,649,330 | 3,377 |
| Average earning assets | $153,533,000 | 3,327 |
| Average equity | $15,314,670 | 3,721 |
| Average total loans | $145,435,000 | 2,722 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0969% | 445 |
| Cost of funding earning assets | 0.8059% | 469 |
| Net interest margin | 4.2910% | 807 |
| Noninterest income to average assets | 1.1401% | 776 |
| Noninterest expense to average assets | 3.5638% | 956 |
| Loan and lease loss provision to assets | 0.2517% | 590 |
| Net operating income to assets | 0.9287% | 2,623 |
| Return on assets (ROA) | 0.9287% | 2,675 |
| Pretax return on assets | 1.4119% | 1,849 |
| Return on Equity (ROE) | 9.7852% | 2,066 |
| Retained earnings to average equity (ytd only) | 9.7852% | 863 |
| Net charge-offs to loans | -0.0084% | 4,355 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1753% | 3,164 |
| Assets per employee ($millions) | 4.1474% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 2,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 87.0866% | 153 |
| Net loans and leases to deposits | 96.6701% | 876 |
| Net loans and leases to core deposits | 101.0133% | 1,441 |
| Total domestic deposits to total assets | 90.0864% | 620 |
| Equity capital to assets | 9.4487% | 4,341 |
| Core capital (leverage) ratio | 9.6275% | 3,958 |
| Tier 1 risk-based capital ratio | 10.4594% | 5,557 |
| Total risk-based capital ratio | 11.7103% | 5,484 |
| Memoranda: | ||
| Average total assets | $158,930,000 | 3,445 |
| Average earning assets | $151,386,500 | 3,383 |
| Average equity | $15,084,000 | 3,769 |
| Average total loans | $142,604,000 | 2,778 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1641% | 440 |
| Cost of funding earning assets | 0.7593% | 605 |
| Net interest margin | 4.4048% | 768 |
| Noninterest income to average assets | 1.3428% | 634 |
| Noninterest expense to average assets | 3.6315% | 972 |
| Loan and lease loss provision to assets | 0.3184% | 580 |
| Net operating income to assets | 1.0612% | 2,082 |
| Return on assets (ROA) | 1.0626% | 2,178 |
| Pretax return on assets | 1.5754% | 1,353 |
| Return on Equity (ROE) | 11.1817% | 1,513 |
| Retained earnings to average equity (ytd only) | 9.5944% | 480 |
| Net charge-offs to loans | 0.1143% | 2,116 |
| Credit loss provision to net charge-offs | 312.5000% | 952 |
| Earnings coverage of net charge-offs (x) | 18.5658% | 1,962 |
| Efficiency ratio | 65.7483% | 3,638 |
| Assets per employee ($millions) | 3.9028% | 4,136 |
| Cash dividends to net income (ytd only)* | 14.1956% | 3,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 2,537 |
| Loan loss allowance to noncurrent loans | 1,096.4497% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 4,880 |
| Noncurrent loans to loans | 0.1187% | 4,759 |
| Net loans and leases to total assets | 90.0239% | 70 |
| Net loans and leases to deposits | 100.0705% | 668 |
| Net loans and leases to core deposits | 104.5911% | 1,238 |
| Total domestic deposits to total assets | 89.9605% | 647 |
| Equity capital to assets | 9.5348% | 4,232 |
| Core capital (leverage) ratio | 9.5824% | 3,989 |
| Tier 1 risk-based capital ratio | 10.4157% | 5,608 |
| Total risk-based capital ratio | 11.6663% | 5,549 |
| Memoranda: | ||
| Average total assets | $149,165,600 | 3,533 |
| Average earning assets | $141,574,000 | 3,479 |
| Average equity | $14,175,000 | 3,923 |
| Average total loans | $132,960,200 | 2,878 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1572% | 454 |
| Cost of funding earning assets | 0.7518% | 631 |
| Net interest margin | 4.4054% | 769 |
| Noninterest income to average assets | 1.3575% | 635 |
| Noninterest expense to average assets | 3.5487% | 1,067 |
| Loan and lease loss provision to assets | 0.4296% | 322 |
| Net operating income to assets | 1.0192% | 2,337 |
| Return on assets (ROA) | 1.0192% | 2,470 |
| Pretax return on assets | 1.5392% | 1,573 |
| Return on Equity (ROE) | 10.7350% | 1,774 |
| Retained earnings to average equity (ytd only) | 8.5918% | 943 |
| Net charge-offs to loans | 0.1256% | 1,709 |
| Credit loss provision to net charge-offs | 386.1789% | 861 |
| Earnings coverage of net charge-offs (x) | 17.6987% | 2,041 |
| Efficiency ratio | 64.3173% | 3,884 |
| Assets per employee ($millions) | 3.8203% | 4,271 |
| Cash dividends to net income (ytd only)* | 19.9643% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 2,249 |
| Loan loss allowance to noncurrent loans | 5,703.0303% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 5,429 |
| Noncurrent loans to loans | 0.0244% | 5,285 |
| Net loans and leases to total assets | 87.4177% | 172 |
| Net loans and leases to deposits | 97.1138% | 942 |
| Net loans and leases to core deposits | 101.7651% | 1,502 |
| Total domestic deposits to total assets | 90.0157% | 478 |
| Equity capital to assets | 9.5157% | 4,644 |
| Core capital (leverage) ratio | 9.4443% | 4,262 |
| Tier 1 risk-based capital ratio | 10.4491% | 5,638 |
| Total risk-based capital ratio | 11.7004% | 5,567 |
| Memoranda: | ||
| Average total assets | $147,428,750 | 3,577 |
| Average earning assets | $139,218,750 | 3,524 |
| Average equity | $13,997,500 | 3,973 |
| Average total loans | $130,602,250 | 2,921 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 479 |
| Cost of funding earning assets | 0.7364% | 677 |
| Net interest margin | 4.3822% | 788 |
| Noninterest income to average assets | 1.2511% | 725 |
| Noninterest expense to average assets | 3.5266% | 1,117 |
| Loan and lease loss provision to assets | 0.4601% | 304 |
| Net operating income to assets | 0.9352% | 2,702 |
| Return on assets (ROA) | 0.9352% | 2,835 |
| Pretax return on assets | 1.4076% | 1,996 |
| Return on Equity (ROE) | 9.8579% | 2,110 |
| Retained earnings to average equity (ytd only) | 7.6866% | 1,295 |
| Net charge-offs to loans | 0.1907% | 1,202 |
| Credit loss provision to net charge-offs | 272.3577% | 1,040 |
| Earnings coverage of net charge-offs (x) | 11.0569% | 2,286 |
| Efficiency ratio | 65.3768% | 3,779 |
| Assets per employee ($millions) | 3.7508% | 4,359 |
| Cash dividends to net income (ytd only)* | 22.0264% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,798 |
| Loan loss allowance to noncurrent loans | 2,386.3014% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 5,367 |
| Noncurrent loans to loans | 0.0544% | 5,242 |
| Net loans and leases to total assets | 88.2979% | 124 |
| Net loans and leases to deposits | 99.8034% | 708 |
| Net loans and leases to core deposits | 104.9739% | 1,254 |
| Total domestic deposits to total assets | 88.4719% | 1,183 |
| Equity capital to assets | 9.4539% | 4,813 |
| Core capital (leverage) ratio | 9.5201% | 4,183 |
| Tier 1 risk-based capital ratio | 10.2933% | 5,764 |
| Total risk-based capital ratio | 11.5431% | 5,680 |
| Memoranda: | ||
| Average total assets | $145,635,000 | 3,622 |
| Average earning assets | $137,693,330 | 3,570 |
| Average equity | $13,816,330 | 4,015 |
| Average total loans | $128,981,330 | 2,948 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1072% | 490 |
| Cost of funding earning assets | 0.7165% | 744 |
| Net interest margin | 4.3907% | 752 |
| Noninterest income to average assets | 1.1294% | 856 |
| Noninterest expense to average assets | 3.4329% | 1,313 |
| Loan and lease loss provision to assets | 0.5996% | 180 |
| Net operating income to assets | 0.8366% | 3,054 |
| Return on assets (ROA) | 0.8366% | 3,183 |
| Pretax return on assets | 1.2493% | 2,507 |
| Return on Equity (ROE) | 8.8025% | 2,518 |
| Retained earnings to average equity (ytd only) | 6.6019% | 2,080 |
| Net charge-offs to loans | 0.3894% | 571 |
| Credit loss provision to net charge-offs | 174.7967% | 1,174 |
| Earnings coverage of net charge-offs (x) | 5.3902% | 2,332 |
| Efficiency ratio | 64.9947% | 3,977 |
| Assets per employee ($millions) | 3.8132% | 4,274 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,912 |
| Loan loss allowance to noncurrent loans | 575.1773% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.3792% | 4,069 |
| Noncurrent loans to loans | 0.2257% | 4,618 |
| Net loans and leases to total assets | 87.4212% | 150 |
| Net loans and leases to deposits | 97.3796% | 809 |
| Net loans and leases to core deposits | 102.2423% | 1,317 |
| Total domestic deposits to total assets | 89.7737% | 695 |
| Equity capital to assets | 9.7925% | 4,351 |
| Core capital (leverage) ratio | 9.4986% | 4,199 |
| Tier 1 risk-based capital ratio | 10.4898% | 5,754 |
| Total risk-based capital ratio | 11.7355% | 5,670 |
| Memoranda: | ||
| Average total assets | $143,436,000 | 3,677 |
| Average earning assets | $135,651,000 | 3,621 |
| Average equity | $13,632,500 | 4,059 |
| Average total loans | $126,363,000 | 2,994 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 569 |
| Cost of funding earning assets | 0.7242% | 720 |
| Net interest margin | 4.3274% | 912 |
| Noninterest income to average assets | 1.1223% | 937 |
| Noninterest expense to average assets | 3.5138% | 1,267 |
| Loan and lease loss provision to assets | 0.2643% | 701 |
| Net operating income to assets | 0.9910% | 2,414 |
| Return on assets (ROA) | 0.9910% | 2,505 |
| Pretax return on assets | 1.4673% | 1,657 |
| Return on Equity (ROE) | 10.4196% | 1,837 |
| Retained earnings to average equity (ytd only) | 6.5605% | 1,504 |
| Net charge-offs to loans | 0.1669% | 1,696 |
| Credit loss provision to net charge-offs | 178.2178% | 1,523 |
| Earnings coverage of net charge-offs (x) | 11.6782% | 2,544 |
| Efficiency ratio | 66.9885% | 3,748 |
| Assets per employee ($millions) | 3.9401% | 4,044 |
| Cash dividends to net income (ytd only)* | 37.0370% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 3,505 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 4,187 |
| Noncurrent loans to loans | 0.3992% | 4,025 |
| Net loans and leases to total assets | 86.5892% | 190 |
| Net loans and leases to deposits | 95.8839% | 1,026 |
| Net loans and leases to core deposits | 99.8987% | 1,507 |
| Total domestic deposits to total assets | 90.3063% | 498 |
| Equity capital to assets | 9.2252% | 4,871 |
| Core capital (leverage) ratio | 9.1894% | 4,631 |
| Tier 1 risk-based capital ratio | 10.5047% | 5,774 |
| Total risk-based capital ratio | 11.7072% | 5,713 |
| Memoranda: | ||
| Average total assets | $136,232,400 | 3,781 |
| Average earning assets | $129,799,800 | 3,706 |
| Average equity | $12,956,400 | 4,153 |
| Average total loans | $121,046,600 | 3,035 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0340% | 575 |
| Cost of funding earning assets | 0.7258% | 728 |
| Net interest margin | 4.3081% | 943 |
| Noninterest income to average assets | 1.2113% | 820 |
| Noninterest expense to average assets | 3.5872% | 1,142 |
| Loan and lease loss provision to assets | 0.2241% | 830 |
| Net operating income to assets | 1.0290% | 2,336 |
| Return on assets (ROA) | 1.0290% | 2,423 |
| Pretax return on assets | 1.5152% | 1,642 |
| Return on Equity (ROE) | 10.7323% | 1,812 |
| Retained earnings to average equity (ytd only) | 6.3168% | 2,057 |
| Net charge-offs to loans | 0.0827% | 2,368 |
| Credit loss provision to net charge-offs | 304.0541% | 955 |
| Earnings coverage of net charge-offs (x) | 23.5956% | 1,726 |
| Efficiency ratio | 67.3462% | 3,660 |
| Assets per employee ($millions) | 3.8426% | 4,189 |
| Cash dividends to net income (ytd only)* | 41.1421% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 3,455 |
| Loan loss allowance to noncurrent loans | 215.7224% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 3,786 |
| Noncurrent loans to loans | 0.5727% | 3,617 |
| Net loans and leases to total assets | 88.0130% | 140 |
| Net loans and leases to deposits | 107.3415% | 320 |
| Net loans and leases to core deposits | 110.4227% | 857 |
| Total domestic deposits to total assets | 81.9935% | 4,163 |
| Equity capital to assets | 9.5574% | 4,683 |
| Core capital (leverage) ratio | 9.5745% | 4,205 |
| Tier 1 risk-based capital ratio | 10.6770% | 5,812 |
| Total risk-based capital ratio | 11.9161% | 5,746 |
| Memoranda: | ||
| Average total assets | $133,844,250 | 3,864 |
| Average earning assets | $127,847,500 | 3,780 |
| Average equity | $12,833,250 | 4,213 |
| Average total loans | $119,367,250 | 3,085 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0012% | 593 |
| Cost of funding earning assets | 0.7196% | 762 |
| Net interest margin | 4.2815% | 961 |
| Noninterest income to average assets | 1.2815% | 747 |
| Noninterest expense to average assets | 3.6404% | 1,061 |
| Loan and lease loss provision to assets | 0.3400% | 398 |
| Net operating income to assets | 0.9490% | 2,636 |
| Return on assets (ROA) | 0.9490% | 2,755 |
| Pretax return on assets | 1.3918% | 2,012 |
| Return on Equity (ROE) | 9.8866% | 2,126 |
| Retained earnings to average equity (ytd only) | 4.3766% | 3,233 |
| Net charge-offs to loans | -0.0102% | 4,926 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7637% | 3,705 |
| Assets per employee ($millions) | 4.0928% | 3,696 |
| Cash dividends to net income (ytd only)* | 55.7325% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 3,081 |
| Loan loss allowance to noncurrent loans | 185.3179% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6404% | 3,499 |
| Noncurrent loans to loans | 0.7176% | 3,336 |
| Net loans and leases to total assets | 88.0662% | 137 |
| Net loans and leases to deposits | 106.5358% | 355 |
| Net loans and leases to core deposits | 109.6824% | 851 |
| Total domestic deposits to total assets | 82.6635% | 4,073 |
| Equity capital to assets | 9.5282% | 4,616 |
| Core capital (leverage) ratio | 9.7087% | 3,988 |
| Tier 1 risk-based capital ratio | 10.8663% | 5,776 |
| Total risk-based capital ratio | 12.1175% | 5,698 |
| Memoranda: | ||
| Average total assets | $132,348,000 | 3,920 |
| Average earning assets | $126,450,670 | 3,837 |
| Average equity | $12,704,000 | 4,262 |
| Average total loans | $118,065,000 | 3,124 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0219% | 557 |
| Cost of funding earning assets | 0.7083% | 828 |
| Net interest margin | 4.3136% | 852 |
| Noninterest income to average assets | 1.3161% | 661 |
| Noninterest expense to average assets | 3.7682% | 911 |
| Loan and lease loss provision to assets | 0.5649% | 172 |
| Net operating income to assets | 0.7634% | 3,463 |
| Return on assets (ROA) | 0.7634% | 3,597 |
| Pretax return on assets | 1.1115% | 3,031 |
| Return on Equity (ROE) | 7.9230% | 2,994 |
| Retained earnings to average equity (ytd only) | -0.7923% | 5,515 |
| Net charge-offs to loans | 0.0240% | 2,682 |
| Credit loss provision to net charge-offs | 2,642.8571% | 152 |
| Earnings coverage of net charge-offs (x) | 78.4286% | 603 |
| Efficiency ratio | 69.2092% | 3,622 |
| Assets per employee ($millions) | 3.6193% | 4,684 |
| Cash dividends to net income (ytd only)* | 110.0000% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 3,198 |
| Loan loss allowance to noncurrent loans | 304.5187% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 4,459 |
| Noncurrent loans to loans | 0.4395% | 4,282 |
| Net loans and leases to total assets | 87.7026% | 121 |
| Net loans and leases to deposits | 99.2522% | 604 |
| Net loans and leases to core deposits | 101.9348% | 1,183 |
| Total domestic deposits to total assets | 88.3634% | 1,621 |
| Equity capital to assets | 9.6918% | 4,521 |
| Core capital (leverage) ratio | 9.5979% | 4,154 |
| Tier 1 risk-based capital ratio | 11.1624% | 5,728 |
| Total risk-based capital ratio | 12.4135% | 5,642 |
| Memoranda: | ||
| Average total assets | $130,991,000 | 3,970 |
| Average earning assets | $125,370,500 | 3,883 |
| Average equity | $12,621,500 | 4,301 |
| Average total loans | $116,824,000 | 3,149 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 640 |
| Cost of funding earning assets | 0.7653% | 783 |
| Net interest margin | 4.3326% | 995 |
| Noninterest income to average assets | 1.3148% | 711 |
| Noninterest expense to average assets | 3.5264% | 1,425 |
| Loan and lease loss provision to assets | 0.4431% | 375 |
| Net operating income to assets | 0.9655% | 2,554 |
| Return on assets (ROA) | 0.9708% | 2,612 |
| Pretax return on assets | 1.4768% | 1,631 |
| Return on Equity (ROE) | 9.9395% | 2,151 |
| Retained earnings to average equity (ytd only) | 7.4649% | 1,208 |
| Net charge-offs to loans | 0.4353% | 973 |
| Credit loss provision to net charge-offs | 116.7728% | 2,045 |
| Earnings coverage of net charge-offs (x) | 5.0382% | 3,511 |
| Efficiency ratio | 64.8444% | 4,430 |
| Assets per employee ($millions) | 3.4654% | 4,952 |
| Cash dividends to net income (ytd only)* | 24.8963% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 4,197 |
| Loan loss allowance to noncurrent loans | 135.7072% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 3,294 |
| Noncurrent loans to loans | 0.8581% | 3,170 |
| Net loans and leases to total assets | 88.4323% | 102 |
| Net loans and leases to deposits | 102.5828% | 491 |
| Net loans and leases to core deposits | 105.6493% | 1,037 |
| Total domestic deposits to total assets | 86.2058% | 2,718 |
| Equity capital to assets | 9.5796% | 4,620 |
| Core capital (leverage) ratio | 9.8697% | 3,751 |
| Tier 1 risk-based capital ratio | 10.9744% | 5,916 |
| Total risk-based capital ratio | 12.1775% | 5,867 |
| Memoranda: | ||
| Average total assets | $124,121,600 | 4,100 |
| Average earning assets | $118,127,200 | 4,005 |
| Average equity | $12,123,400 | 4,334 |
| Average total loans | $108,194,000 | 3,263 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1318% | 600 |
| Cost of funding earning assets | 0.7779% | 775 |
| Net interest margin | 4.3539% | 949 |
| Noninterest income to average assets | 1.1573% | 895 |
| Noninterest expense to average assets | 3.4928% | 1,473 |
| Loan and lease loss provision to assets | 0.2836% | 719 |
| Net operating income to assets | 0.9999% | 2,452 |
| Return on assets (ROA) | 1.0014% | 2,508 |
| Pretax return on assets | 1.5228% | 1,573 |
| Return on Equity (ROE) | 10.1993% | 2,120 |
| Retained earnings to average equity (ytd only) | 7.6995% | 1,494 |
| Net charge-offs to loans | 0.1223% | 2,593 |
| Credit loss provision to net charge-offs | 268.0412% | 995 |
| Earnings coverage of net charge-offs (x) | 17.0516% | 1,923 |
| Efficiency ratio | 65.9390% | 4,218 |
| Assets per employee ($millions) | 3.3465% | 5,152 |
| Cash dividends to net income (ytd only)* | 24.5096% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 3,348 |
| Loan loss allowance to noncurrent loans | 96.6158% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.2171% | 2,522 |
| Noncurrent loans to loans | 1.4086% | 2,306 |
| Net loans and leases to total assets | 85.2301% | 244 |
| Net loans and leases to deposits | 97.9624% | 740 |
| Net loans and leases to core deposits | 101.0466% | 1,290 |
| Total domestic deposits to total assets | 87.0028% | 2,321 |
| Equity capital to assets | 10.0009% | 4,161 |
| Core capital (leverage) ratio | 9.8086% | 3,930 |
| Tier 1 risk-based capital ratio | 11.6460% | 5,705 |
| Total risk-based capital ratio | 12.8974% | 5,623 |
| Memoranda: | ||
| Average total assets | $122,230,500 | 4,173 |
| Average earning assets | $116,214,500 | 4,083 |
| Average equity | $12,000,500 | 4,383 |
| Average total loans | $105,786,250 | 3,340 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0861% | 633 |
| Cost of funding earning assets | 0.7733% | 817 |
| Net interest margin | 4.3128% | 1,000 |
| Noninterest income to average assets | 1.0813% | 1,020 |
| Noninterest expense to average assets | 3.4987% | 1,478 |
| Loan and lease loss provision to assets | 0.2465% | 896 |
| Net operating income to assets | 0.9427% | 2,583 |
| Return on assets (ROA) | 0.9417% | 2,692 |
| Pretax return on assets | 1.4314% | 1,776 |
| Return on Equity (ROE) | 9.6522% | 2,301 |
| Retained earnings to average equity (ytd only) | 7.1254% | 1,701 |
| Net charge-offs to loans | 0.1139% | 2,523 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 17.0333% | 1,754 |
| Efficiency ratio | 67.5659% | 4,095 |
| Assets per employee ($millions) | 3.5604% | 4,741 |
| Cash dividends to net income (ytd only)* | 26.1780% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 3,878 |
| Loan loss allowance to noncurrent loans | 91.6501% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.2109% | 2,665 |
| Noncurrent loans to loans | 1.4123% | 2,441 |
| Net loans and leases to total assets | 84.6316% | 259 |
| Net loans and leases to deposits | 96.8519% | 750 |
| Net loans and leases to core deposits | 99.3200% | 1,334 |
| Total domestic deposits to total assets | 87.3825% | 2,256 |
| Equity capital to assets | 9.7406% | 4,443 |
| Core capital (leverage) ratio | 9.8322% | 3,842 |
| Tier 1 risk-based capital ratio | 11.0310% | 6,042 |
| Total risk-based capital ratio | 12.2816% | 5,977 |
| Memoranda: | ||
| Average total assets | $121,701,000 | 4,203 |
| Average earning assets | $115,609,330 | 4,116 |
| Average equity | $11,873,000 | 4,423 |
| Average total loans | $105,386,000 | 3,351 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 638 |
| Cost of funding earning assets | 0.7403% | 1,011 |
| Net interest margin | 4.3232% | 961 |
| Noninterest income to average assets | 1.0479% | 1,018 |
| Noninterest expense to average assets | 3.5062% | 1,474 |
| Loan and lease loss provision to assets | 0.4325% | 377 |
| Net operating income to assets | 0.8105% | 3,103 |
| Return on assets (ROA) | 0.8083% | 3,187 |
| Pretax return on assets | 1.2242% | 2,375 |
| Return on Equity (ROE) | 8.2790% | 2,806 |
| Retained earnings to average equity (ytd only) | 5.7238% | 2,680 |
| Net charge-offs to loans | -0.0038% | 4,773 |
| Credit loss provision to net charge-offs | -13,000.0000% | 5,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8686% | 4,205 |
| Assets per employee ($millions) | 3.4222% | 5,097 |
| Cash dividends to net income (ytd only)* | 30.8642% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 3,751 |
| Loan loss allowance to noncurrent loans | 95.3146% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 2,776 |
| Noncurrent loans to loans | 1.4355% | 2,631 |
| Net loans and leases to total assets | 85.7010% | 154 |
| Net loans and leases to deposits | 96.3859% | 630 |
| Net loans and leases to core deposits | 98.4360% | 1,208 |
| Total domestic deposits to total assets | 88.9145% | 1,714 |
| Equity capital to assets | 9.8958% | 3,964 |
| Core capital (leverage) ratio | 9.8056% | 3,851 |
| Tier 1 risk-based capital ratio | 11.1692% | 6,088 |
| Total risk-based capital ratio | 12.4208% | 6,037 |
| Memoranda: | ||
| Average total assets | $120,245,000 | 4,273 |
| Average earning assets | $114,545,000 | 4,166 |
| Average equity | $11,740,500 | 4,464 |
| Average total loans | $104,656,500 | 3,376 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2138% | 620 |
| Cost of funding earning assets | 0.8174% | 1,105 |
| Net interest margin | 4.3963% | 916 |
| Noninterest income to average assets | 1.6825% | 509 |
| Noninterest expense to average assets | 4.1092% | 767 |
| Loan and lease loss provision to assets | 0.2649% | 1,337 |
| Net operating income to assets | 0.8956% | 2,805 |
| Return on assets (ROA) | 0.9001% | 2,865 |
| Pretax return on assets | 1.4299% | 1,685 |
| Return on Equity (ROE) | 8.9334% | 2,569 |
| Retained earnings to average equity (ytd only) | 3.9608% | 3,385 |
| Net charge-offs to loans | 0.1923% | 2,927 |
| Credit loss provision to net charge-offs | 163.4409% | 1,395 |
| Earnings coverage of net charge-offs (x) | 10.4140% | 2,371 |
| Efficiency ratio | 70.8853% | 3,686 |
| Assets per employee ($millions) | 3.4489% | 4,996 |
| Cash dividends to net income (ytd only)* | 55.6631% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 4,501 |
| Loan loss allowance to noncurrent loans | 224.4792% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 4,807 |
| Noncurrent loans to loans | 0.5473% | 4,622 |
| Net loans and leases to total assets | 86.1099% | 149 |
| Net loans and leases to deposits | 98.5915% | 561 |
| Net loans and leases to core deposits | 100.7073% | 1,103 |
| Total domestic deposits to total assets | 87.3401% | 2,556 |
| Equity capital to assets | 9.6328% | 4,239 |
| Core capital (leverage) ratio | 9.5644% | 4,165 |
| Tier 1 risk-based capital ratio | 10.8489% | 6,244 |
| Total risk-based capital ratio | 12.0702% | 6,204 |
| Memoranda: | ||
| Average total assets | $114,767,200 | 4,392 |
| Average earning assets | $107,408,000 | 4,329 |
| Average equity | $11,563,400 | 4,532 |
| Average total loans | $96,705,000 | 3,538 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2258% | 611 |
| Cost of funding earning assets | 0.8430% | 1,082 |
| Net interest margin | 4.3829% | 931 |
| Noninterest income to average assets | 1.7219% | 518 |
| Noninterest expense to average assets | 4.2371% | 667 |
| Loan and lease loss provision to assets | 0.1318% | 2,637 |
| Net operating income to assets | 0.8885% | 2,891 |
| Return on assets (ROA) | 0.8945% | 2,977 |
| Pretax return on assets | 1.4442% | 1,783 |
| Return on Equity (ROE) | 8.7753% | 2,753 |
| Retained earnings to average equity (ytd only) | 7.6207% | 1,579 |
| Net charge-offs to loans | 0.2622% | 2,239 |
| Credit loss provision to net charge-offs | 60.2151% | 3,294 |
| Earnings coverage of net charge-offs (x) | 7.1560% | 2,837 |
| Efficiency ratio | 73.0075% | 3,215 |
| Assets per employee ($millions) | 3.1864% | 5,521 |
| Cash dividends to net income (ytd only)* | 13.1579% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,221 |
| Loan loss allowance to noncurrent loans | 311.8980% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 1.2189% | 3,205 |
| Noncurrent loans to loans | 0.3612% | 5,307 |
| Net loans and leases to total assets | 81.9570% | 372 |
| Net loans and leases to deposits | 100.1109% | 464 |
| Net loans and leases to core deposits | 103.0755% | 929 |
| Total domestic deposits to total assets | 81.8662% | 4,970 |
| Equity capital to assets | 10.0529% | 3,825 |
| Core capital (leverage) ratio | 10.3315% | 3,197 |
| Tier 1 risk-based capital ratio | 11.6150% | 6,004 |
| Total risk-based capital ratio | 12.7090% | 6,040 |
| Memoranda: | ||
| Average total assets | $113,281,000 | 4,473 |
| Average earning assets | $105,499,250 | 4,416 |
| Average equity | $11,547,250 | 4,584 |
| Average total loans | $94,571,750 | 3,608 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2541% | 577 |
| Cost of funding earning assets | 0.8738% | 1,014 |
| Net interest margin | 4.3804% | 882 |
| Noninterest income to average assets | 1.7129% | 561 |
| Noninterest expense to average assets | 4.3725% | 588 |
| Loan and lease loss provision to assets | 0.1557% | 2,370 |
| Net operating income to assets | 0.7533% | 3,550 |
| Return on assets (ROA) | 0.7625% | 3,656 |
| Pretax return on assets | 1.2905% | 2,337 |
| Return on Equity (ROE) | 7.4439% | 3,368 |
| Retained earnings to average equity (ytd only) | 5.6965% | 2,615 |
| Net charge-offs to loans | 0.1411% | 2,967 |
| Credit loss provision to net charge-offs | 131.8182% | 1,725 |
| Earnings coverage of net charge-offs (x) | 12.1212% | 2,003 |
| Efficiency ratio | 75.3315% | 2,890 |
| Assets per employee ($millions) | 3.1106% | 5,656 |
| Cash dividends to net income (ytd only)* | 23.4742% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 4,650 |
| Loan loss allowance to noncurrent loans | 178.5075% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 1.3583% | 3,066 |
| Noncurrent loans to loans | 0.7110% | 4,510 |
| Net loans and leases to total assets | 83.0775% | 290 |
| Net loans and leases to deposits | 100.0430% | 425 |
| Net loans and leases to core deposits | 102.8296% | 896 |
| Total domestic deposits to total assets | 83.0418% | 4,684 |
| Equity capital to assets | 10.2723% | 3,572 |
| Core capital (leverage) ratio | 10.2622% | 3,151 |
| Tier 1 risk-based capital ratio | 11.8092% | 5,909 |
| Total risk-based capital ratio | 13.0525% | 5,863 |
| Memoranda: | ||
| Average total assets | $111,742,670 | 4,545 |
| Average earning assets | $104,375,000 | 4,469 |
| Average equity | $11,445,670 | 4,637 |
| Average total loans | $93,520,670 | 3,644 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2685% | 538 |
| Cost of funding earning assets | 0.9056% | 962 |
| Net interest margin | 4.3629% | 856 |
| Noninterest income to average assets | 1.8777% | 471 |
| Noninterest expense to average assets | 4.3109% | 621 |
| Loan and lease loss provision to assets | 0.3118% | 1,093 |
| Net operating income to assets | 0.6988% | 3,692 |
| Return on assets (ROA) | 0.6988% | 3,834 |
| Pretax return on assets | 1.3295% | 2,125 |
| Return on Equity (ROE) | 6.8319% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.8319% | 2,234 |
| Net charge-offs to loans | 0.2834% | 1,830 |
| Credit loss provision to net charge-offs | 131.8182% | 1,500 |
| Earnings coverage of net charge-offs (x) | 6.9394% | 2,144 |
| Efficiency ratio | 72.4262% | 3,535 |
| Assets per employee ($millions) | 3.2294% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 4,730 |
| Loan loss allowance to noncurrent loans | 145.8537% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.6157% | 2,839 |
| Noncurrent loans to loans | 0.8874% | 4,362 |
| Net loans and leases to total assets | 83.0647% | 230 |
| Net loans and leases to deposits | 93.7783% | 680 |
| Net loans and leases to core deposits | 96.2677% | 1,186 |
| Total domestic deposits to total assets | 88.5756% | 1,955 |
| Equity capital to assets | 10.4590% | 3,584 |
| Core capital (leverage) ratio | 10.0300% | 3,339 |
| Tier 1 risk-based capital ratio | 11.9656% | 5,940 |
| Total risk-based capital ratio | 13.2158% | 5,903 |
| Memoranda: | ||
| Average total assets | $111,623,500 | 4,585 |
| Average earning assets | $104,242,000 | 4,508 |
| Average equity | $11,417,000 | 4,697 |
| Average total loans | $93,167,500 | 3,670 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5538% | 563 |
| Cost of funding earning assets | 1.1305% | 803 |
| Net interest margin | 4.4234% | 1,109 |
| Noninterest income to average assets | 1.3727% | 827 |
| Noninterest expense to average assets | 3.8913% | 1,108 |
| Loan and lease loss provision to assets | 0.5096% | 1,151 |
| Net operating income to assets | 0.7648% | 3,440 |
| Return on assets (ROA) | 0.8425% | 3,338 |
| Pretax return on assets | 1.1656% | 2,924 |
| Return on Equity (ROE) | 8.6851% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.8387% | 1,179 |
| Net charge-offs to loans | 0.3425% | 2,921 |
| Credit loss provision to net charge-offs | 184.1935% | 1,427 |
| Earnings coverage of net charge-offs (x) | 5.6645% | 2,981 |
| Efficiency ratio | 71.2884% | 3,570 |
| Assets per employee ($millions) | 3.5452% | 4,913 |
| Cash dividends to net income (ytd only)* | 9.7458% | 4,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 4,867 |
| Loan loss allowance to noncurrent loans | 73.7602% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 2.1966% | 2,235 |
| Noncurrent loans to loans | 1.6959% | 3,077 |
| Net loans and leases to total assets | 81.7642% | 340 |
| Net loans and leases to deposits | 92.3122% | 892 |
| Net loans and leases to core deposits | 94.3843% | 1,434 |
| Total domestic deposits to total assets | 88.5735% | 1,857 |
| Equity capital to assets | 10.0047% | 4,158 |
| Core capital (leverage) ratio | 9.6410% | 3,901 |
| Tier 1 risk-based capital ratio | 11.6595% | 5,988 |
| Total risk-based capital ratio | 12.8994% | 5,961 |
| Memoranda: | ||
| Average total assets | $112,045,200 | 4,546 |
| Average earning assets | $103,496,200 | 4,503 |
| Average equity | $10,869,200 | 4,786 |
| Average total loans | $90,514,800 | 3,735 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 628 |
| Cost of funding earning assets | 1.1670% | 808 |
| Net interest margin | 4.3742% | 1,266 |
| Noninterest income to average assets | 1.1889% | 1,071 |
| Noninterest expense to average assets | 3.7542% | 1,282 |
| Loan and lease loss provision to assets | 0.5014% | 1,221 |
| Net operating income to assets | 0.7939% | 3,483 |
| Return on assets (ROA) | 0.8105% | 3,637 |
| Pretax return on assets | 0.9896% | 3,753 |
| Return on Equity (ROE) | 8.4223% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.2811% | 1,954 |
| Net charge-offs to loans | 0.3733% | 2,604 |
| Credit loss provision to net charge-offs | 167.3307% | 1,660 |
| Earnings coverage of net charge-offs (x) | 4.9084% | 3,166 |
| Efficiency ratio | 71.8529% | 3,354 |
| Assets per employee ($millions) | 3.6852% | 4,579 |
| Cash dividends to net income (ytd only)* | 13.5490% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 5,505 |
| Loan loss allowance to noncurrent loans | 137.0886% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 1.5100% | 3,322 |
| Noncurrent loans to loans | 0.8407% | 4,737 |
| Net loans and leases to total assets | 81.3071% | 399 |
| Net loans and leases to deposits | 91.7465% | 996 |
| Net loans and leases to core deposits | 94.0951% | 1,578 |
| Total domestic deposits to total assets | 88.6214% | 1,644 |
| Equity capital to assets | 9.7312% | 4,885 |
| Core capital (leverage) ratio | 9.3341% | 4,525 |
| Tier 1 risk-based capital ratio | 11.3178% | 6,346 |
| Total risk-based capital ratio | 12.4625% | 6,362 |
| Memoranda: | ||
| Average total assets | $111,694,750 | 4,600 |
| Average earning assets | $103,057,250 | 4,572 |
| Average equity | $10,749,000 | 4,861 |
| Average total loans | $89,660,000 | 3,803 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 675 |
| Cost of funding earning assets | 1.1847% | 880 |
| Net interest margin | 4.3465% | 1,349 |
| Noninterest income to average assets | 0.9184% | 1,720 |
| Noninterest expense to average assets | 3.7042% | 1,361 |
| Loan and lease loss provision to assets | 0.3699% | 1,773 |
| Net operating income to assets | 0.8426% | 3,182 |
| Return on assets (ROA) | 0.8751% | 3,277 |
| Pretax return on assets | 0.8751% | 4,179 |
| Return on Equity (ROE) | 9.1283% | 2,753 |
| Retained earnings to average equity (ytd only) | 7.9802% | 1,646 |
| Net charge-offs to loans | 0.1383% | 3,812 |
| Credit loss provision to net charge-offs | 336.0656% | 874 |
| Earnings coverage of net charge-offs (x) | 11.0164% | 2,001 |
| Efficiency ratio | 75.3394% | 2,843 |
| Assets per employee ($millions) | 4.1390% | 3,590 |
| Cash dividends to net income (ytd only)* | 12.5773% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 5,645 |
| Loan loss allowance to noncurrent loans | 123.1665% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 1.9777% | 2,802 |
| Noncurrent loans to loans | 0.9171% | 4,667 |
| Net loans and leases to total assets | 79.9039% | 521 |
| Net loans and leases to deposits | 90.6806% | 1,081 |
| Net loans and leases to core deposits | 92.9768% | 1,686 |
| Total domestic deposits to total assets | 88.1158% | 2,065 |
| Equity capital to assets | 9.3604% | 5,245 |
| Core capital (leverage) ratio | 9.5859% | 4,025 |
| Tier 1 risk-based capital ratio | 11.1181% | 6,442 |
| Total risk-based capital ratio | 12.2332% | 6,489 |
| Memoranda: | ||
| Average total assets | $110,846,000 | 4,644 |
| Average earning assets | $101,966,000 | 4,624 |
| Average equity | $10,626,330 | 4,888 |
| Average total loans | $88,223,670 | 3,847 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6826% | 532 |
| Cost of funding earning assets | 1.2079% | 950 |
| Net interest margin | 4.4746% | 1,062 |
| Noninterest income to average assets | 1.2223% | 961 |
| Noninterest expense to average assets | 3.8662% | 1,107 |
| Loan and lease loss provision to assets | 0.5354% | 1,113 |
| Net operating income to assets | 0.9379% | 2,759 |
| Return on assets (ROA) | 0.9379% | 2,959 |
| Pretax return on assets | 0.9379% | 3,906 |
| Return on Equity (ROE) | 9.6619% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.4827% | 1,785 |
| Net charge-offs to loans | 0.1778% | 3,028 |
| Credit loss provision to net charge-offs | 381.5789% | 810 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,748 |
| Efficiency ratio | 72.4066% | 3,362 |
| Assets per employee ($millions) | 3.8544% | 4,304 |
| Cash dividends to net income (ytd only)* | 12.2047% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,726 |
| Loan loss allowance to noncurrent loans | 168.2043% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 1.8340% | 3,134 |
| Noncurrent loans to loans | 0.6811% | 5,296 |
| Net loans and leases to total assets | 78.8221% | 510 |
| Net loans and leases to deposits | 89.6706% | 992 |
| Net loans and leases to core deposits | 92.0282% | 1,645 |
| Total domestic deposits to total assets | 87.9018% | 2,391 |
| Equity capital to assets | 9.5225% | 4,770 |
| Core capital (leverage) ratio | 9.4982% | 4,049 |
| Tier 1 risk-based capital ratio | 11.3142% | 6,380 |
| Total risk-based capital ratio | 12.4302% | 6,441 |
| Memoranda: | ||
| Average total assets | $108,322,500 | 4,743 |
| Average earning assets | $99,673,000 | 4,705 |
| Average equity | $10,515,500 | 4,916 |
| Average total loans | $85,505,000 | 3,953 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8022% | 641 |
| Cost of funding earning assets | 1.5409% | 612 |
| Net interest margin | 4.2613% | 1,837 |
| Noninterest income to average assets | 0.8554% | 1,825 |
| Noninterest expense to average assets | 3.6948% | 1,546 |
| Loan and lease loss provision to assets | 0.2838% | 3,392 |
| Net operating income to assets | 0.7087% | 3,444 |
| Return on assets (ROA) | 0.7413% | 3,458 |
| Pretax return on assets | 0.7413% | 4,185 |
| Return on Equity (ROE) | 7.7978% | 3,013 |
| Retained earnings to average equity (ytd only) | 6.5570% | 1,712 |
| Net charge-offs to loans | 0.4830% | 3,067 |
| Credit loss provision to net charge-offs | 75.5102% | 4,656 |
| Earnings coverage of net charge-offs (x) | 2.6403% | 3,894 |
| Efficiency ratio | 78.8257% | 2,483 |
| Assets per employee ($millions) | 3.7453% | 4,447 |
| Cash dividends to net income (ytd only)* | 15.9120% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,760 |
| Loan loss allowance to noncurrent loans | 126.5928% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 2.0979% | 2,847 |
| Noncurrent loans to loans | 0.8817% | 4,928 |
| Net loans and leases to total assets | 77.2114% | 803 |
| Net loans and leases to deposits | 89.9327% | 1,164 |
| Net loans and leases to core deposits | 92.5149% | 1,835 |
| Total domestic deposits to total assets | 85.8546% | 3,396 |
| Equity capital to assets | 9.9048% | 4,300 |
| Core capital (leverage) ratio | 9.4889% | 4,042 |
| Tier 1 risk-based capital ratio | 11.7780% | 5,971 |
| Total risk-based capital ratio | 12.8406% | 6,086 |
| Memoranda: | ||
| Average total assets | $104,281,000 | 4,782 |
| Average earning assets | $93,774,800 | 4,816 |
| Average equity | $9,913,000 | 5,045 |
| Average total loans | $81,157,200 | 4,112 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8079% | 692 |
| Cost of funding earning assets | 1.6077% | 558 |
| Net interest margin | 4.2002% | 2,097 |
| Noninterest income to average assets | 0.5736% | 3,351 |
| Noninterest expense to average assets | 3.5236% | 1,878 |
| Loan and lease loss provision to assets | 0.3470% | 2,801 |
| Net operating income to assets | 0.4596% | 4,726 |
| Return on assets (ROA) | 0.5134% | 4,674 |
| Pretax return on assets | 0.5134% | 5,125 |
| Return on Equity (ROE) | 5.4587% | 4,305 |
| Retained earnings to average equity (ytd only) | 4.2063% | 3,739 |
| Net charge-offs to loans | 0.6026% | 2,448 |
| Credit loss provision to net charge-offs | 74.0437% | 4,354 |
| Earnings coverage of net charge-offs (x) | 1.7213% | 4,363 |
| Efficiency ratio | 81.3720% | 2,060 |
| Assets per employee ($millions) | 3.9200% | 4,032 |
| Cash dividends to net income (ytd only)* | 22.9421% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,739 |
| Loan loss allowance to noncurrent loans | 117.1575% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 3.0281% | 2,121 |
| Noncurrent loans to loans | 0.9708% | 4,947 |
| Net loans and leases to total assets | 75.1467% | 1,119 |
| Net loans and leases to deposits | 83.3047% | 2,129 |
| Net loans and leases to core deposits | 87.0064% | 2,636 |
| Total domestic deposits to total assets | 90.2070% | 764 |
| Equity capital to assets | 9.4633% | 5,141 |
| Core capital (leverage) ratio | 9.4197% | 4,273 |
| Tier 1 risk-based capital ratio | 11.6725% | 6,125 |
| Total risk-based capital ratio | 12.7625% | 6,226 |
| Memoranda: | ||
| Average total assets | $104,134,250 | 4,815 |
| Average earning assets | $93,135,250 | 4,869 |
| Average equity | $9,794,500 | 5,096 |
| Average total loans | $80,975,500 | 4,143 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8769% | 613 |
| Cost of funding earning assets | 1.6368% | 604 |
| Net interest margin | 4.2401% | 1,875 |
| Noninterest income to average assets | 0.6044% | 3,105 |
| Noninterest expense to average assets | 3.5050% | 1,966 |
| Loan and lease loss provision to assets | 0.3785% | 2,521 |
| Net operating income to assets | 0.4828% | 4,579 |
| Return on assets (ROA) | 0.4847% | 4,713 |
| Pretax return on assets | 0.4847% | 5,118 |
| Return on Equity (ROE) | 5.1643% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.9092% | 3,705 |
| Net charge-offs to loans | 0.5545% | 2,442 |
| Credit loss provision to net charge-offs | 87.1111% | 3,548 |
| Earnings coverage of net charge-offs (x) | 1.9822% | 3,876 |
| Efficiency ratio | 80.2742% | 2,345 |
| Assets per employee ($millions) | 3.4661% | 5,035 |
| Cash dividends to net income (ytd only)* | 24.3028% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 5,485 |
| Loan loss allowance to noncurrent loans | 147.5188% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 2.9861% | 2,241 |
| Noncurrent loans to loans | 0.8242% | 5,282 |
| Net loans and leases to total assets | 76.6491% | 974 |
| Net loans and leases to deposits | 84.9276% | 1,956 |
| Net loans and leases to core deposits | 88.7540% | 2,531 |
| Total domestic deposits to total assets | 90.2523% | 836 |
| Equity capital to assets | 9.4660% | 4,864 |
| Core capital (leverage) ratio | 9.4811% | 3,985 |
| Tier 1 risk-based capital ratio | 11.6609% | 6,041 |
| Total risk-based capital ratio | 12.8432% | 6,087 |
| Memoranda: | ||
| Average total assets | $103,565,330 | 4,869 |
| Average earning assets | $91,884,670 | 4,940 |
| Average equity | $9,720,670 | 5,115 |
| Average total loans | $81,150,330 | 4,173 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8998% | 598 |
| Cost of funding earning assets | 1.6563% | 660 |
| Net interest margin | 4.2435% | 1,773 |
| Noninterest income to average assets | 0.5109% | 3,793 |
| Noninterest expense to average assets | 3.2664% | 2,655 |
| Loan and lease loss provision to assets | 0.6037% | 1,421 |
| Net operating income to assets | 0.3986% | 4,953 |
| Return on assets (ROA) | 0.3986% | 5,046 |
| Pretax return on assets | 0.3986% | 5,350 |
| Return on Equity (ROE) | 4.2652% | 4,764 |
| Retained earnings to average equity (ytd only) | 2.9815% | 4,379 |
| Net charge-offs to loans | 1.0174% | 1,340 |
| Credit loss provision to net charge-offs | 75.3623% | 3,248 |
| Earnings coverage of net charge-offs (x) | 1.2512% | 3,733 |
| Efficiency ratio | 76.5186% | 3,069 |
| Assets per employee ($millions) | 2.9030% | 6,341 |
| Cash dividends to net income (ytd only)* | 30.0971% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 5,560 |
| Loan loss allowance to noncurrent loans | 105.6167% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 2.9369% | 2,357 |
| Noncurrent loans to loans | 1.1503% | 4,773 |
| Net loans and leases to total assets | 76.7440% | 917 |
| Net loans and leases to deposits | 85.0401% | 1,870 |
| Net loans and leases to core deposits | 88.4471% | 2,544 |
| Total domestic deposits to total assets | 90.2445% | 990 |
| Equity capital to assets | 9.5351% | 4,387 |
| Core capital (leverage) ratio | 9.2814% | 4,148 |
| Tier 1 risk-based capital ratio | 11.9769% | 5,714 |
| Total risk-based capital ratio | 13.1782% | 5,744 |
| Memoranda: | ||
| Average total assets | $103,356,500 | 4,907 |
| Average earning assets | $91,528,000 | 4,985 |
| Average equity | $9,659,500 | 5,129 |
| Average total loans | $81,384,000 | 4,211 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1745% | 602 |
| Cost of funding earning assets | 2.1665% | 339 |
| Net interest margin | 4.0080% | 2,992 |
| Noninterest income to average assets | 0.5526% | 3,803 |
| Noninterest expense to average assets | 2.6722% | 5,115 |
| Loan and lease loss provision to assets | 1.3458% | 1,132 |
| Net operating income to assets | 0.1425% | 5,466 |
| Return on assets (ROA) | 0.2388% | 5,293 |
| Pretax return on assets | 0.2388% | 5,381 |
| Return on Equity (ROE) | 2.7353% | 5,068 |
| Retained earnings to average equity (ytd only) | 1.4312% | 4,815 |
| Net charge-offs to loans | 1.5210% | 1,442 |
| Credit loss provision to net charge-offs | 114.1287% | 3,805 |
| Earnings coverage of net charge-offs (x) | 1.2622% | 4,845 |
| Efficiency ratio | 64.2269% | 5,307 |
| Assets per employee ($millions) | 4.7777% | 2,447 |
| Cash dividends to net income (ytd only)* | 47.6744% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 5,489 |
| Loan loss allowance to noncurrent loans | 103.0612% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 2.9075% | 2,412 |
| Noncurrent loans to loans | 1.1690% | 4,764 |
| Net loans and leases to total assets | 78.7982% | 836 |
| Net loans and leases to deposits | 86.9945% | 1,938 |
| Net loans and leases to core deposits | 90.8377% | 2,641 |
| Total domestic deposits to total assets | 90.5784% | 803 |
| Equity capital to assets | 9.1629% | 4,893 |
| Core capital (leverage) ratio | 9.0094% | 4,536 |
| Tier 1 risk-based capital ratio | 11.0950% | 6,256 |
| Total risk-based capital ratio | 12.2759% | 6,277 |
| Memoranda: | ||
| Average total assets | $108,038,600 | 4,772 |
| Average earning assets | $97,254,400 | 4,799 |
| Average equity | $9,432,400 | 5,287 |
| Average total loans | $83,761,600 | 4,219 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1096% | 746 |
| Cost of funding earning assets | 2.2433% | 330 |
| Net interest margin | 3.8663% | 3,675 |
| Noninterest income to average assets | 0.1483% | 6,800 |
| Noninterest expense to average assets | 2.5460% | 5,538 |
| Loan and lease loss provision to assets | 1.6107% | 800 |
| Net operating income to assets | -0.5099% | 6,596 |
| Return on assets (ROA) | -0.4891% | 6,627 |
| Pretax return on assets | -0.4891% | 6,543 |
| Return on Equity (ROE) | -5.6699% | 6,699 |
| Retained earnings to average equity (ytd only) | -6.9772% | 6,712 |
| Net charge-offs to loans | 1.0890% | 1,868 |
| Credit loss provision to net charge-offs | 192.1053% | 1,863 |
| Earnings coverage of net charge-offs (x) | 1.3129% | 4,766 |
| Efficiency ratio | 69.8151% | 4,104 |
| Assets per employee ($millions) | 5.1265% | 2,024 |
| Cash dividends to net income (ytd only)* | -23.0568% | 7,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 3,304 |
| Loan loss allowance to noncurrent loans | 116.7066% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 2.5795% | 2,797 |
| Noncurrent loans to loans | 1.4213% | 4,482 |
| Net loans and leases to total assets | 80.4026% | 679 |
| Net loans and leases to deposits | 88.0076% | 2,009 |
| Net loans and leases to core deposits | 91.5039% | 2,875 |
| Total domestic deposits to total assets | 91.3587% | 343 |
| Equity capital to assets | 8.4138% | 6,376 |
| Core capital (leverage) ratio | 8.2114% | 6,018 |
| Tier 1 risk-based capital ratio | 9.9100% | 7,110 |
| Total risk-based capital ratio | 11.1649% | 7,099 |
| Memoranda: | ||
| Average total assets | $108,771,000 | 4,813 |
| Average earning assets | $98,421,750 | 4,827 |
| Average equity | $9,382,750 | 5,384 |
| Average total loans | $83,743,500 | 4,297 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0942% | 764 |
| Cost of funding earning assets | 2.3417% | 294 |
| Net interest margin | 3.7525% | 4,118 |
| Noninterest income to average assets | 0.2217% | 6,330 |
| Noninterest expense to average assets | 2.3822% | 6,111 |
| Loan and lease loss provision to assets | 1.1031% | 1,295 |
| Net operating income to assets | 0.1045% | 5,854 |
| Return on assets (ROA) | 0.1301% | 5,890 |
| Pretax return on assets | 0.1301% | 5,924 |
| Return on Equity (ROE) | 1.4962% | 5,801 |
| Retained earnings to average equity (ytd only) | 0.1897% | 5,672 |
| Net charge-offs to loans | 0.9208% | 1,994 |
| Credit loss provision to net charge-offs | 158.8391% | 2,476 |
| Earnings coverage of net charge-offs (x) | 1.7388% | 4,214 |
| Efficiency ratio | 66.3604% | 4,918 |
| Assets per employee ($millions) | 5.5220% | 1,602 |
| Cash dividends to net income (ytd only)* | 87.3239% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 5,091 |
| Loan loss allowance to noncurrent loans | 68.0672% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 2.9781% | 2,396 |
| Noncurrent loans to loans | 1.8635% | 3,915 |
| Net loans and leases to total assets | 74.2168% | 1,863 |
| Net loans and leases to deposits | 81.3807% | 3,366 |
| Net loans and leases to core deposits | 85.2346% | 3,950 |
| Total domestic deposits to total assets | 91.1970% | 415 |
| Equity capital to assets | 8.6146% | 5,991 |
| Core capital (leverage) ratio | 8.3479% | 5,672 |
| Tier 1 risk-based capital ratio | 11.1927% | 6,045 |
| Total risk-based capital ratio | 12.4431% | 6,032 |
| Memoranda: | ||
| Average total assets | $109,142,330 | 4,826 |
| Average earning assets | $97,961,670 | 4,871 |
| Average equity | $9,491,000 | 5,342 |
| Average total loans | $82,318,330 | 4,374 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9760% | 1,026 |
| Cost of funding earning assets | 2.3847% | 318 |
| Net interest margin | 3.5914% | 4,771 |
| Noninterest income to average assets | 0.2175% | 6,404 |
| Noninterest expense to average assets | 2.4813% | 5,801 |
| Loan and lease loss provision to assets | 0.8000% | 1,583 |
| Net operating income to assets | 0.1733% | 5,777 |
| Return on assets (ROA) | 0.1733% | 5,904 |
| Pretax return on assets | 0.1733% | 5,962 |
| Return on Equity (ROE) | 1.9832% | 5,770 |
| Retained earnings to average equity (ytd only) | 0.6751% | 5,556 |
| Net charge-offs to loans | 0.9809% | 1,668 |
| Credit loss provision to net charge-offs | 107.9602% | 3,190 |
| Earnings coverage of net charge-offs (x) | 1.3134% | 3,960 |
| Efficiency ratio | 71.8250% | 3,961 |
| Assets per employee ($millions) | 6.2968% | 1,087 |
| Cash dividends to net income (ytd only)* | 65.9574% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 6,461 |
| Loan loss allowance to noncurrent loans | 69.1742% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 2.6010% | 2,807 |
| Noncurrent loans to loans | 1.4474% | 4,568 |
| Net loans and leases to total assets | 73.8052% | 2,012 |
| Net loans and leases to deposits | 80.7734% | 3,499 |
| Net loans and leases to core deposits | 85.7188% | 3,941 |
| Total domestic deposits to total assets | 91.3731% | 416 |
| Equity capital to assets | 8.3808% | 6,184 |
| Core capital (leverage) ratio | 8.5670% | 5,261 |
| Tier 1 risk-based capital ratio | 10.8043% | 6,338 |
| Total risk-based capital ratio | 11.7772% | 6,598 |
| Memoranda: | ||
| Average total assets | $108,493,500 | 4,912 |
| Average earning assets | $97,790,500 | 4,933 |
| Average equity | $9,479,500 | 5,395 |
| Average total loans | $81,968,500 | 4,442 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1731% | 1,313 |
| Cost of funding earning assets | 3.2561% | 104 |
| Net interest margin | 2.9170% | 6,828 |
| Noninterest income to average assets | 0.5237% | 4,225 |
| Noninterest expense to average assets | 2.6416% | 5,625 |
| Loan and lease loss provision to assets | 0.2681% | 5,266 |
| Net operating income to assets | 0.2535% | 4,708 |
| Return on assets (ROA) | 0.2639% | 4,749 |
| Pretax return on assets | 0.2639% | 4,862 |
| Return on Equity (ROE) | 2.9934% | 4,505 |
| Retained earnings to average equity (ytd only) | 2.0312% | 3,685 |
| Net charge-offs to loans | 0.2131% | 5,290 |
| Credit loss provision to net charge-offs | 154.2169% | 2,962 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,577 |
| Efficiency ratio | 83.5099% | 2,416 |
| Assets per employee ($millions) | 5.7580% | 1,415 |
| Cash dividends to net income (ytd only)* | 32.1429% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 6,153 |
| Loan loss allowance to noncurrent loans | 212.8205% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 2.0426% | 3,346 |
| Noncurrent loans to loans | 0.4909% | 6,273 |
| Net loans and leases to total assets | 75.8442% | 1,844 |
| Net loans and leases to deposits | 83.7610% | 3,323 |
| Net loans and leases to core deposits | 110.8795% | 2,810 |
| Total domestic deposits to total assets | 90.5484% | 719 |
| Equity capital to assets | 9.1274% | 4,944 |
| Core capital (leverage) ratio | 9.4841% | 3,740 |
| Tier 1 risk-based capital ratio | 11.4086% | 5,501 |
| Total risk-based capital ratio | 12.4181% | 5,715 |
| Memoranda: | ||
| Average total assets | $95,473,600 | 5,228 |
| Average earning assets | $86,390,400 | 5,246 |
| Average equity | $8,418,600 | 5,795 |
| Average total loans | $77,915,800 | 4,587 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2009% | 1,379 |
| Cost of funding earning assets | 3.4709% | 80 |
| Net interest margin | 2.7300% | 7,168 |
| Noninterest income to average assets | 0.5751% | 3,891 |
| Noninterest expense to average assets | 2.6201% | 5,643 |
| Loan and lease loss provision to assets | 0.2512% | 4,942 |
| Net operating income to assets | 0.1698% | 5,251 |
| Return on assets (ROA) | 0.1698% | 5,320 |
| Pretax return on assets | 0.1698% | 5,363 |
| Return on Equity (ROE) | 1.9448% | 5,185 |
| Retained earnings to average equity (ytd only) | 0.9479% | 4,780 |
| Net charge-offs to loans | 0.1960% | 4,839 |
| Credit loss provision to net charge-offs | 154.3860% | 3,099 |
| Earnings coverage of net charge-offs (x) | 2.5876% | 3,930 |
| Efficiency ratio | 86.1567% | 2,045 |
| Assets per employee ($millions) | 5.2947% | 1,793 |
| Cash dividends to net income (ytd only)* | 51.2606% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 5,951 |
| Loan loss allowance to noncurrent loans | 138.9948% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 2.2245% | 3,065 |
| Noncurrent loans to loans | 0.7642% | 5,776 |
| Net loans and leases to total assets | 78.3871% | 1,503 |
| Net loans and leases to deposits | 87.1858% | 3,111 |
| Net loans and leases to core deposits | 116.0500% | 2,619 |
| Total domestic deposits to total assets | 89.9081% | 803 |
| Equity capital to assets | 9.8118% | 4,335 |
| Core capital (leverage) ratio | 9.7686% | 3,551 |
| Tier 1 risk-based capital ratio | 12.0070% | 4,971 |
| Total risk-based capital ratio | 13.0548% | 5,091 |
| Memoranda: | ||
| Average total assets | $93,431,000 | 5,317 |
| Average earning assets | $84,393,750 | 5,362 |
| Average equity | $8,158,250 | 5,927 |
| Average total loans | $77,535,250 | 4,647 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1986% | 1,458 |
| Cost of funding earning assets | 3.6296% | 72 |
| Net interest margin | 2.5690% | 7,393 |
| Noninterest income to average assets | 0.7564% | 2,668 |
| Noninterest expense to average assets | 2.6162% | 5,676 |
| Loan and lease loss provision to assets | 0.3664% | 3,734 |
| Net operating income to assets | 0.0862% | 5,602 |
| Return on assets (ROA) | 0.0862% | 5,700 |
| Pretax return on assets | 0.0862% | 5,704 |
| Return on Equity (ROE) | 1.0308% | 5,628 |
| Retained earnings to average equity (ytd only) | 1.0308% | 4,751 |
| Net charge-offs to loans | 0.2838% | 3,773 |
| Credit loss provision to net charge-offs | 153.1532% | 3,003 |
| Earnings coverage of net charge-offs (x) | 1.8919% | 4,162 |
| Efficiency ratio | 85.2528% | 2,326 |
| Assets per employee ($millions) | 5.4482% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 5,954 |
| Loan loss allowance to noncurrent loans | 101.9133% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 2.1820% | 2,959 |
| Noncurrent loans to loans | 1.0227% | 5,169 |
| Net loans and leases to total assets | 81.9024% | 972 |
| Net loans and leases to deposits | 92.4387% | 2,389 |
| Net loans and leases to core deposits | 123.1821% | 2,100 |
| Total domestic deposits to total assets | 88.6018% | 1,482 |
| Equity capital to assets | 10.0162% | 3,916 |
| Core capital (leverage) ratio | 9.9225% | 3,379 |
| Tier 1 risk-based capital ratio | 11.9787% | 4,942 |
| Total risk-based capital ratio | 13.0236% | 5,045 |
| Memoranda: | ||
| Average total assets | $92,806,670 | 5,376 |
| Average earning assets | $83,534,670 | 5,430 |
| Average equity | $7,760,670 | 6,103 |
| Average total loans | $78,211,000 | 4,646 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1298% | 1,831 |
| Cost of funding earning assets | 3.7322% | 80 |
| Net interest margin | 2.3976% | 7,616 |
| Noninterest income to average assets | 0.7707% | 2,483 |
| Noninterest expense to average assets | 2.4413% | 6,051 |
| Loan and lease loss provision to assets | 0.4736% | 2,581 |
| Net operating income to assets | 0.0215% | 6,200 |
| Return on assets (ROA) | 0.0215% | 6,359 |
| Pretax return on assets | 0.0215% | 6,339 |
| Return on Equity (ROE) | 0.2856% | 6,340 |
| Retained earnings to average equity (ytd only) | 0.2856% | 5,541 |
| Net charge-offs to loans | 0.5621% | 2,063 |
| Credit loss provision to net charge-offs | 99.0991% | 3,823 |
| Earnings coverage of net charge-offs (x) | 1.0360% | 4,246 |
| Efficiency ratio | 83.1378% | 2,396 |
| Assets per employee ($millions) | 5.5038% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 6,518 |
| Loan loss allowance to noncurrent loans | 107.4128% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 2.0243% | 2,860 |
| Noncurrent loans to loans | 0.8811% | 5,246 |
| Net loans and leases to total assets | 82.6602% | 905 |
| Net loans and leases to deposits | 90.6843% | 2,827 |
| Net loans and leases to core deposits | 119.9587% | 2,418 |
| Total domestic deposits to total assets | 91.1516% | 365 |
| Equity capital to assets | 7.4868% | 7,359 |
| Core capital (leverage) ratio | 7.4093% | 7,265 |
| Tier 1 risk-based capital ratio | 9.2411% | 7,636 |
| Total risk-based capital ratio | 10.2316% | 7,831 |
| Memoranda: | ||
| Average total assets | $92,900,000 | 5,402 |
| Average earning assets | $83,918,000 | 5,430 |
| Average equity | $7,002,500 | 6,409 |
| Average total loans | $78,988,000 | 4,644 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7733% | 1,776 |
| Cost of funding earning assets | 3.8546% | 164 |
| Net interest margin | 2.9186% | 7,114 |
| Noninterest income to average assets | 0.0405% | 7,931 |
| Noninterest expense to average assets | 2.8087% | 4,786 |
| Loan and lease loss provision to assets | 0.7618% | 1,961 |
| Net operating income to assets | -0.7606% | 7,108 |
| Return on assets (ROA) | -0.7606% | 7,013 |
| Pretax return on assets | -0.7606% | 6,857 |
| Return on Equity (ROE) | -10.3046% | 7,297 |
| Retained earnings to average equity (ytd only) | -10.3046% | 7,095 |
| Net charge-offs to loans | 0.6521% | 1,904 |
| Credit loss provision to net charge-offs | 130.9426% | 4,067 |
| Earnings coverage of net charge-offs (x) | 0.0020% | 6,244 |
| Efficiency ratio | 99.9576% | 985 |
| Assets per employee ($millions) | 5.4256% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 6,524 |
| Loan loss allowance to noncurrent loans | 57.2312% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 1.9949% | 2,470 |
| Noncurrent loans to loans | 1.6184% | 3,343 |
| Net loans and leases to total assets | 85.8199% | 621 |
| Net loans and leases to deposits | 94.3153% | 2,708 |
| Net loans and leases to core deposits | 115.3575% | 3,199 |
| Total domestic deposits to total assets | 90.9926% | 333 |
| Equity capital to assets | 7.5893% | 7,311 |
| Core capital (leverage) ratio | 7.6230% | 7,047 |
| Tier 1 risk-based capital ratio | 9.1171% | 7,698 |
| Total risk-based capital ratio | 10.0949% | 7,918 |
| Memoranda: | ||
| Average total assets | $83,882,800 | 5,566 |
| Average earning assets | $79,592,400 | 5,445 |
| Average equity | $6,191,400 | 6,743 |
| Average total loans | $74,835,400 | 4,699 |