Home > Chelsea Savings Bank > Performance and Condition Ratios
Chelsea Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 3,604 |
| Cost of funding earning assets | 1.2425% | 2,681 |
| Net interest margin | 2.9694% | 3,359 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.7903% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1855% | 1,681 |
| Return on assets (ROA) | 1.1866% | 1,658 |
| Pretax return on assets | 1.2300% | 2,063 |
| Return on Equity (ROE) | 15.6400% | 1,164 |
| Retained earnings to average equity (ytd only) | 8.1404% | 1,492 |
| Net charge-offs to loans | 0.0069% | 2,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 559.2500% | 266 |
| Efficiency ratio | 54.6579% | 3,630 |
| Assets per employee ($millions) | 8.1466% | 1,360 |
| Cash dividends to net income (ytd only)* | 47.9630% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,263 |
| Loan loss allowance to noncurrent loans | 225.4682% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 2,494 |
| Noncurrent loans to loans | 0.4471% | 1,659 |
| Net loans and leases to total assets | 31.5500% | 4,262 |
| Net loans and leases to deposits | 34.5425% | 4,293 |
| Net loans and leases to core deposits | 38.6314% | 4,303 |
| Total domestic deposits to total assets | 91.3400% | 426 |
| Equity capital to assets | 8.1272% | 3,332 |
| Core capital (leverage) ratio | 16.2391% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $182,036,200 | 3,108 |
| Average earning assets | $172,962,800 | 3,070 |
| Average equity | $13,807,600 | 3,363 |
| Average total loans | $58,289,400 | 3,733 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 3,536 |
| Cost of funding earning assets | 1.1369% | 2,638 |
| Net interest margin | 3.0243% | 3,296 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.6904% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3090% | 1,532 |
| Return on assets (ROA) | 1.3104% | 1,508 |
| Pretax return on assets | 1.3547% | 1,882 |
| Return on Equity (ROE) | 17.6000% | 995 |
| Retained earnings to average equity (ytd only) | 9.9706% | 1,411 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.9091% | 3,842 |
| Assets per employee ($millions) | 8.9938% | 936 |
| Cash dividends to net income (ytd only)* | 43.3559% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 3,402 |
| Loan loss allowance to noncurrent loans | 217.2043% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,464 |
| Noncurrent loans to loans | 0.4582% | 1,677 |
| Net loans and leases to total assets | 33.5200% | 4,250 |
| Net loans and leases to deposits | 36.0905% | 4,294 |
| Net loans and leases to core deposits | 39.8232% | 4,264 |
| Total domestic deposits to total assets | 92.8700% | 317 |
| Equity capital to assets | 6.5968% | 3,797 |
| Core capital (leverage) ratio | 16.0731% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $180,702,500 | 3,129 |
| Average earning assets | $171,451,000 | 3,088 |
| Average equity | $13,452,500 | 3,379 |
| Average total loans | $57,932,500 | 3,742 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 3,610 |
| Cost of funding earning assets | 1.0739% | 2,367 |
| Net interest margin | 2.9628% | 3,534 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.6831% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2565% | 1,678 |
| Return on assets (ROA) | 1.2587% | 1,662 |
| Pretax return on assets | 1.2852% | 2,123 |
| Return on Equity (ROE) | 16.2900% | 1,220 |
| Retained earnings to average equity (ytd only) | 9.0835% | 1,664 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.0119% | 3,772 |
| Assets per employee ($millions) | 8.0980% | 1,273 |
| Cash dividends to net income (ytd only)* | 44.2493% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 3,196 |
| Loan loss allowance to noncurrent loans | 356.4706% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 2,814 |
| Noncurrent loans to loans | 0.2944% | 2,084 |
| Net loans and leases to total assets | 30.6800% | 4,312 |
| Net loans and leases to deposits | 33.3935% | 4,340 |
| Net loans and leases to core deposits | 36.7405% | 4,314 |
| Total domestic deposits to total assets | 91.8800% | 439 |
| Equity capital to assets | 7.6218% | 3,454 |
| Core capital (leverage) ratio | 15.8957% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $180,978,333 | 3,131 |
| Average earning assets | $171,527,667 | 3,091 |
| Average equity | $13,981,333 | 3,359 |
| Average total loans | $56,946,000 | 3,768 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9619% | 3,525 |
| Cost of funding earning assets | 0.9934% | 2,068 |
| Net interest margin | 2.9684% | 3,661 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.6799% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2762% | 1,734 |
| Return on assets (ROA) | 1.2762% | 1,702 |
| Pretax return on assets | 1.2897% | 2,207 |
| Return on Equity (ROE) | 16.4000% | 1,282 |
| Retained earnings to average equity (ytd only) | 16.4048% | 651 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.7372% | 3,802 |
| Assets per employee ($millions) | 7.7761% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,146 |
| Loan loss allowance to noncurrent loans | 291.3462% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 2,705 |
| Noncurrent loans to loans | 0.3709% | 1,820 |
| Net loans and leases to total assets | 31.0200% | 4,349 |
| Net loans and leases to deposits | 34.2381% | 4,371 |
| Net loans and leases to core deposits | 37.4888% | 4,330 |
| Total domestic deposits to total assets | 90.6000% | 945 |
| Equity capital to assets | 8.2292% | 3,093 |
| Core capital (leverage) ratio | 16.0520% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $178,340,000 | 3,191 |
| Average earning assets | $168,708,500 | 3,162 |
| Average equity | $13,874,000 | 3,399 |
| Average total loans | $56,543,500 | 3,814 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5151% | 3,039 |
| Cost of funding earning assets | 0.4009% | 2,096 |
| Net interest margin | 3.1142% | 3,136 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 1.7926% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6791% | 559 |
| Return on assets (ROA) | 1.6806% | 533 |
| Pretax return on assets | 1.7710% | 783 |
| Return on Equity (ROE) | 16.9600% | 868 |
| Retained earnings to average equity (ytd only) | 11.5330% | 770 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.4541% | 4,320 |
| Assets per employee ($millions) | 7.7317% | 1,468 |
| Cash dividends to net income (ytd only)* | 31.9923% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,128 |
| Loan loss allowance to noncurrent loans | 341.7143% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 2,856 |
| Noncurrent loans to loans | 0.3070% | 2,042 |
| Net loans and leases to total assets | 31.7200% | 4,347 |
| Net loans and leases to deposits | 34.7069% | 4,375 |
| Net loans and leases to core deposits | 37.4062% | 4,347 |
| Total domestic deposits to total assets | 91.3900% | 812 |
| Equity capital to assets | 7.3272% | 3,472 |
| Core capital (leverage) ratio | 15.9073% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $184,870,000 | 3,147 |
| Average earning assets | $176,353,600 | 3,094 |
| Average equity | $18,321,400 | 3,097 |
| Average total loans | $57,544,200 | 3,779 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 2,900 |
| Cost of funding earning assets | 0.3424% | 1,768 |
| Net interest margin | 3.0642% | 3,039 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 1.7060% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7804% | 445 |
| Return on assets (ROA) | 1.7817% | 433 |
| Pretax return on assets | 1.9468% | 520 |
| Return on Equity (ROE) | 16.9300% | 808 |
| Retained earnings to average equity (ytd only) | 11.8912% | 823 |
| Net charge-offs to loans | 0.1202% | 523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 52.3654% | 1,257 |
| Efficiency ratio | 42.9857% | 4,492 |
| Assets per employee ($millions) | 7.4610% | 1,638 |
| Cash dividends to net income (ytd only)* | 29.7514% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 3,910 |
| Loan loss allowance to noncurrent loans | 390.0000% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 3,120 |
| Noncurrent loans to loans | 0.2265% | 2,481 |
| Net loans and leases to total assets | 34.2100% | 4,294 |
| Net loans and leases to deposits | 37.6338% | 4,322 |
| Net loans and leases to core deposits | 40.3022% | 4,270 |
| Total domestic deposits to total assets | 90.9100% | 1,276 |
| Equity capital to assets | 7.0869% | 3,464 |
| Core capital (leverage) ratio | 15.0989% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $186,630,000 | 3,155 |
| Average earning assets | $178,748,250 | 3,098 |
| Average equity | $19,644,250 | 3,023 |
| Average total loans | $57,679,250 | 3,790 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 2,759 |
| Cost of funding earning assets | 0.3187% | 1,540 |
| Net interest margin | 2.9753% | 2,956 |
| Noninterest income to average assets | 0.3140% | 3,286 |
| Noninterest expense to average assets | 1.6812% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3253% | 1,077 |
| Return on assets (ROA) | 1.3291% | 1,051 |
| Pretax return on assets | 1.4898% | 1,197 |
| Return on Equity (ROE) | 11.4469% | 1,850 |
| Retained earnings to average equity (ytd only) | 6.9847% | 1,994 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8481% | 4,318 |
| Assets per employee ($millions) | 7.9961% | 1,308 |
| Cash dividends to net income (ytd only)* | 38.9817% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,510 |
| Loan loss allowance to noncurrent loans | 209.8246% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 2,627 |
| Noncurrent loans to loans | 0.4867% | 1,654 |
| Net loans and leases to total assets | 31.5138% | 4,415 |
| Net loans and leases to deposits | 34.5303% | 4,435 |
| Net loans and leases to core deposits | 36.4801% | 4,419 |
| Total domestic deposits to total assets | 91.2642% | 1,123 |
| Equity capital to assets | 7.5537% | 3,432 |
| Core capital (leverage) ratio | 14.0928% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,152,000 | 3,168 |
| Average earning assets | $181,358,000 | 3,121 |
| Average equity | $21,962,333 | 2,900 |
| Average total loans | $56,302,667 | 3,855 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2022% | 2,686 |
| Cost of funding earning assets | 0.3346% | 1,325 |
| Net interest margin | 2.8677% | 2,934 |
| Noninterest income to average assets | 0.3275% | 3,140 |
| Noninterest expense to average assets | 1.6040% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3625% | 875 |
| Return on assets (ROA) | 1.3683% | 852 |
| Pretax return on assets | 1.4830% | 1,046 |
| Return on Equity (ROE) | 10.0933% | 1,932 |
| Retained earnings to average equity (ytd only) | 10.0933% | 994 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7319% | 4,415 |
| Assets per employee ($millions) | 8.6073% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,306 |
| Loan loss allowance to noncurrent loans | 237.8486% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 2,866 |
| Noncurrent loans to loans | 0.4646% | 1,863 |
| Net loans and leases to total assets | 28.2123% | 4,502 |
| Net loans and leases to deposits | 32.4470% | 4,485 |
| Net loans and leases to core deposits | 34.3603% | 4,474 |
| Total domestic deposits to total assets | 86.9487% | 2,946 |
| Equity capital to assets | 11.9428% | 978 |
| Core capital (leverage) ratio | 13.5355% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,773,000 | 3,157 |
| Average earning assets | $184,121,500 | 3,118 |
| Average equity | $25,997,500 | 2,717 |
| Average total loans | $55,176,500 | 3,884 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3001% | 3,217 |
| Cost of funding earning assets | 0.3522% | 1,917 |
| Net interest margin | 2.9478% | 3,330 |
| Noninterest income to average assets | 0.2190% | 4,056 |
| Noninterest expense to average assets | 1.7051% | 4,289 |
| Loan and lease loss provision to assets | 0.0384% | 2,278 |
| Net operating income to assets | 1.2347% | 1,792 |
| Return on assets (ROA) | 1.2498% | 1,804 |
| Pretax return on assets | 1.3127% | 2,321 |
| Return on Equity (ROE) | 8.4915% | 3,081 |
| Retained earnings to average equity (ytd only) | 5.6795% | 2,490 |
| Net charge-offs to loans | 0.2545% | 355 |
| Credit loss provision to net charge-offs | 50.3356% | 2,131 |
| Earnings coverage of net charge-offs (x) | 17.5168% | 1,941 |
| Efficiency ratio | 51.8089% | 4,133 |
| Assets per employee ($millions) | 9.7093% | 724 |
| Cash dividends to net income (ytd only)* | 33.1150% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 3,526 |
| Loan loss allowance to noncurrent loans | 288.4058% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 3,187 |
| Noncurrent loans to loans | 0.3675% | 2,268 |
| Net loans and leases to total assets | 28.7025% | 4,547 |
| Net loans and leases to deposits | 34.3227% | 4,521 |
| Net loans and leases to core deposits | 36.2511% | 4,512 |
| Total domestic deposits to total assets | 83.6254% | 3,652 |
| Equity capital to assets | 15.1299% | 478 |
| Core capital (leverage) ratio | 12.9760% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,473,400 | 3,095 |
| Average earning assets | $187,087,200 | 3,049 |
| Average equity | $28,770,000 | 2,607 |
| Average total loans | $58,539,400 | 3,839 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3253% | 3,323 |
| Cost of funding earning assets | 0.3603% | 2,017 |
| Net interest margin | 2.9650% | 3,402 |
| Noninterest income to average assets | 0.1954% | 4,223 |
| Noninterest expense to average assets | 1.5642% | 4,518 |
| Loan and lease loss provision to assets | 0.0511% | 1,972 |
| Net operating income to assets | 1.3391% | 1,719 |
| Return on assets (ROA) | 1.3585% | 1,717 |
| Pretax return on assets | 1.4307% | 2,211 |
| Return on Equity (ROE) | 9.2948% | 3,005 |
| Retained earnings to average equity (ytd only) | 6.0987% | 2,781 |
| Net charge-offs to loans | 0.7897% | 91 |
| Credit loss provision to net charge-offs | 21.4286% | 1,983 |
| Earnings coverage of net charge-offs (x) | 6.1314% | 2,192 |
| Efficiency ratio | 47.4004% | 4,419 |
| Assets per employee ($millions) | 8.0285% | 1,255 |
| Cash dividends to net income (ytd only)* | 34.3860% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 4,540 |
| Loan loss allowance to noncurrent loans | 53.3602% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 1,901 |
| Noncurrent loans to loans | 1.2672% | 868 |
| Net loans and leases to total assets | 30.2642% | 4,582 |
| Net loans and leases to deposits | 36.3992% | 4,566 |
| Net loans and leases to core deposits | 38.3738% | 4,563 |
| Total domestic deposits to total assets | 83.1454% | 3,667 |
| Equity capital to assets | 15.5494% | 463 |
| Core capital (leverage) ratio | 12.9179% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,795,500 | 3,134 |
| Average earning assets | $186,888,000 | 3,090 |
| Average equity | $28,617,500 | 2,644 |
| Average total loans | $59,091,000 | 3,886 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3743% | 3,250 |
| Cost of funding earning assets | 0.3728% | 2,109 |
| Net interest margin | 3.0015% | 3,318 |
| Noninterest income to average assets | 0.1677% | 4,366 |
| Noninterest expense to average assets | 1.5577% | 4,565 |
| Loan and lease loss provision to assets | 0.0508% | 2,019 |
| Net operating income to assets | 1.3417% | 1,736 |
| Return on assets (ROA) | 1.3697% | 1,729 |
| Pretax return on assets | 1.4439% | 2,198 |
| Return on Equity (ROE) | 9.5706% | 2,925 |
| Retained earnings to average equity (ytd only) | 6.3899% | 2,663 |
| Net charge-offs to loans | 1.1821% | 62 |
| Credit loss provision to net charge-offs | 14.2857% | 1,755 |
| Earnings coverage of net charge-offs (x) | 4.1200% | 2,042 |
| Efficiency ratio | 47.2605% | 4,442 |
| Assets per employee ($millions) | 8.6449% | 969 |
| Cash dividends to net income (ytd only)* | 33.2344% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6101% | 4,647 |
| Loan loss allowance to noncurrent loans | 49.4681% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 2,065 |
| Noncurrent loans to loans | 1.2334% | 970 |
| Net loans and leases to total assets | 30.4763% | 4,636 |
| Net loans and leases to deposits | 36.1851% | 4,628 |
| Net loans and leases to core deposits | 38.1865% | 4,623 |
| Total domestic deposits to total assets | 84.2234% | 3,361 |
| Equity capital to assets | 14.4810% | 622 |
| Core capital (leverage) ratio | 12.4326% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,833,000 | 3,128 |
| Average earning assets | $187,239,667 | 3,087 |
| Average equity | $28,169,667 | 2,660 |
| Average total loans | $59,217,667 | 3,909 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4430% | 3,076 |
| Cost of funding earning assets | 0.3979% | 2,114 |
| Net interest margin | 3.0452% | 3,146 |
| Noninterest income to average assets | 0.1389% | 4,511 |
| Noninterest expense to average assets | 1.5401% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3787% | 1,615 |
| Return on assets (ROA) | 1.4257% | 1,579 |
| Pretax return on assets | 1.5421% | 1,877 |
| Return on Equity (ROE) | 10.0223% | 2,679 |
| Retained earnings to average equity (ytd only) | 10.0223% | 1,642 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4960% | 4,435 |
| Assets per employee ($millions) | 7.8896% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 3,178 |
| Loan loss allowance to noncurrent loans | 52.2551% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 1,418 |
| Noncurrent loans to loans | 2.2063% | 453 |
| Net loans and leases to total assets | 29.2108% | 4,716 |
| Net loans and leases to deposits | 34.3853% | 4,719 |
| Net loans and leases to core deposits | 36.2138% | 4,714 |
| Total domestic deposits to total assets | 84.9513% | 3,115 |
| Equity capital to assets | 13.8031% | 715 |
| Core capital (leverage) ratio | 12.6810% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,833,000 | 3,118 |
| Average earning assets | $185,999,000 | 3,087 |
| Average equity | $27,858,000 | 2,679 |
| Average total loans | $58,342,000 | 3,939 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7174% | 3,535 |
| Cost of funding earning assets | 0.5835% | 2,423 |
| Net interest margin | 3.1339% | 3,539 |
| Noninterest income to average assets | 0.2208% | 4,171 |
| Noninterest expense to average assets | 1.8871% | 4,340 |
| Loan and lease loss provision to assets | 0.0797% | 3,379 |
| Net operating income to assets | 1.1526% | 1,711 |
| Return on assets (ROA) | 1.1531% | 1,834 |
| Pretax return on assets | 1.2039% | 2,309 |
| Return on Equity (ROE) | 7.2219% | 3,109 |
| Retained earnings to average equity (ytd only) | 3.8051% | 2,911 |
| Net charge-offs to loans | 0.1019% | 1,455 |
| Credit loss provision to net charge-offs | 207.6923% | 2,126 |
| Earnings coverage of net charge-offs (x) | 33.4308% | 1,520 |
| Efficiency ratio | 55.7646% | 4,013 |
| Assets per employee ($millions) | 7.7771% | 1,131 |
| Cash dividends to net income (ytd only)* | 47.3118% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 3,215 |
| Loan loss allowance to noncurrent loans | 54.2441% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 1,541 |
| Noncurrent loans to loans | 2.1183% | 518 |
| Net loans and leases to total assets | 29.6903% | 4,757 |
| Net loans and leases to deposits | 35.3520% | 4,756 |
| Net loans and leases to core deposits | 37.5500% | 4,752 |
| Total domestic deposits to total assets | 83.9847% | 3,112 |
| Equity capital to assets | 14.6538% | 644 |
| Core capital (leverage) ratio | 12.5479% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,364,600 | 3,198 |
| Average earning assets | $159,385,000 | 3,175 |
| Average equity | $27,042,800 | 2,675 |
| Average total loans | $63,799,600 | 3,850 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 3,099 |
| Cost of funding earning assets | 0.6279% | 2,439 |
| Net interest margin | 3.3267% | 3,112 |
| Noninterest income to average assets | 0.2142% | 4,201 |
| Noninterest expense to average assets | 1.7952% | 4,509 |
| Loan and lease loss provision to assets | 0.1962% | 2,014 |
| Net operating income to assets | 1.2399% | 1,520 |
| Return on assets (ROA) | 1.2377% | 1,644 |
| Pretax return on assets | 1.3300% | 1,935 |
| Return on Equity (ROE) | 7.5658% | 2,981 |
| Retained earnings to average equity (ytd only) | 4.1027% | 2,993 |
| Net charge-offs to loans | 0.1453% | 1,006 |
| Credit loss provision to net charge-offs | 338.0282% | 1,643 |
| Earnings coverage of net charge-offs (x) | 26.3380% | 1,696 |
| Efficiency ratio | 50.2705% | 4,473 |
| Assets per employee ($millions) | 7.0303% | 1,482 |
| Cash dividends to net income (ytd only)* | 45.7728% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,646 |
| Loan loss allowance to noncurrent loans | 41.3610% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.1709% | 876 |
| Noncurrent loans to loans | 2.9078% | 329 |
| Net loans and leases to total assets | 36.3631% | 4,669 |
| Net loans and leases to deposits | 44.1853% | 4,655 |
| Net loans and leases to core deposits | 46.7493% | 4,652 |
| Total domestic deposits to total assets | 82.2967% | 3,343 |
| Equity capital to assets | 16.1427% | 455 |
| Core capital (leverage) ratio | 13.9151% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,099,000 | 3,240 |
| Average earning assets | $152,460,500 | 3,216 |
| Average equity | $26,680,750 | 2,686 |
| Average total loans | $65,150,250 | 3,843 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 3,107 |
| Cost of funding earning assets | 0.6393% | 2,760 |
| Net interest margin | 3.4374% | 2,979 |
| Noninterest income to average assets | 0.2629% | 3,896 |
| Noninterest expense to average assets | 1.8304% | 4,517 |
| Loan and lease loss provision to assets | 0.2465% | 1,710 |
| Net operating income to assets | 1.2983% | 1,362 |
| Return on assets (ROA) | 1.3013% | 1,462 |
| Pretax return on assets | 1.4492% | 1,592 |
| Return on Equity (ROE) | 8.2192% | 2,656 |
| Retained earnings to average equity (ytd only) | 3.4247% | 3,211 |
| Net charge-offs to loans | 0.2553% | 617 |
| Credit loss provision to net charge-offs | 223.8806% | 1,826 |
| Earnings coverage of net charge-offs (x) | 15.3731% | 1,913 |
| Efficiency ratio | 51.9590% | 4,356 |
| Assets per employee ($millions) | 5.7663% | 2,399 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 3,854 |
| Loan loss allowance to noncurrent loans | 45.2555% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 1,198 |
| Noncurrent loans to loans | 2.0692% | 636 |
| Net loans and leases to total assets | 41.3625% | 4,552 |
| Net loans and leases to deposits | 49.8078% | 4,539 |
| Net loans and leases to core deposits | 52.5656% | 4,541 |
| Total domestic deposits to total assets | 83.0442% | 3,074 |
| Equity capital to assets | 16.1006% | 460 |
| Core capital (leverage) ratio | 14.5077% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,724,000 | 3,702 |
| Average earning assets | $115,434,667 | 3,659 |
| Average equity | $19,272,000 | 3,247 |
| Average total loans | $52,489,333 | 4,094 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,530 |
| Cost of funding earning assets | 0.6697% | 3,058 |
| Net interest margin | 3.4293% | 3,216 |
| Noninterest income to average assets | 0.2182% | 4,246 |
| Noninterest expense to average assets | 1.9604% | 4,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3532% | 1,097 |
| Return on assets (ROA) | 1.3562% | 1,171 |
| Pretax return on assets | 1.5274% | 1,241 |
| Return on Equity (ROE) | 8.6438% | 2,262 |
| Retained earnings to average equity (ytd only) | 8.6438% | 1,071 |
| Net charge-offs to loans | -0.0536% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2620% | 4,188 |
| Assets per employee ($millions) | 5.1724% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,412 |
| Loan loss allowance to noncurrent loans | 46.1117% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 0.9162% | 1,461 |
| Noncurrent loans to loans | 1.7366% | 868 |
| Net loans and leases to total assets | 43.8386% | 4,512 |
| Net loans and leases to deposits | 52.3341% | 4,504 |
| Net loans and leases to core deposits | 55.3336% | 4,518 |
| Total domestic deposits to total assets | 83.7668% | 2,863 |
| Equity capital to assets | 15.4305% | 693 |
| Core capital (leverage) ratio | 15.3814% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,156,500 | 3,713 |
| Average earning assets | $113,492,000 | 3,655 |
| Average equity | $18,695,500 | 3,304 |
| Average total loans | $52,250,000 | 4,107 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2604% | 3,645 |
| Cost of funding earning assets | 0.5874% | 3,688 |
| Net interest margin | 3.6730% | 2,893 |
| Noninterest income to average assets | 0.2748% | 4,037 |
| Noninterest expense to average assets | 2.0244% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6523% | 736 |
| Return on assets (ROA) | 1.9965% | 372 |
| Pretax return on assets | 2.0777% | 502 |
| Return on Equity (ROE) | 13.2990% | 1,074 |
| Retained earnings to average equity (ytd only) | 8.1732% | 922 |
| Net charge-offs to loans | 0.0334% | 2,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 112.9444% | 614 |
| Efficiency ratio | 54.0773% | 4,416 |
| Assets per employee ($millions) | 4.5903% | 3,094 |
| Cash dividends to net income (ytd only)* | 38.5430% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 4,313 |
| Loan loss allowance to noncurrent loans | 45.9911% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 1,385 |
| Noncurrent loans to loans | 1.7294% | 792 |
| Net loans and leases to total assets | 43.1624% | 4,637 |
| Net loans and leases to deposits | 51.9112% | 4,606 |
| Net loans and leases to core deposits | 54.9971% | 4,620 |
| Total domestic deposits to total assets | 83.1466% | 3,152 |
| Equity capital to assets | 15.9485% | 615 |
| Core capital (leverage) ratio | 15.0312% | 685 |
| Tier 1 risk-based capital ratio | 28.5425% | 535 |
| Total risk-based capital ratio | 29.1909% | 552 |
| Memoranda: | ||
| Average total assets | $118,256,600 | 3,728 |
| Average earning assets | $111,679,400 | 3,681 |
| Average equity | $17,753,200 | 3,362 |
| Average total loans | $53,888,400 | 4,105 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 3,644 |
| Cost of funding earning assets | 0.5839% | 3,766 |
| Net interest margin | 3.7186% | 2,855 |
| Noninterest income to average assets | 0.2147% | 4,440 |
| Noninterest expense to average assets | 1.8793% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7587% | 666 |
| Return on assets (ROA) | 1.7640% | 691 |
| Pretax return on assets | 1.8533% | 972 |
| Return on Equity (ROE) | 11.9387% | 1,642 |
| Retained earnings to average equity (ytd only) | 7.1204% | 1,804 |
| Net charge-offs to loans | -0.0196% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4245% | 4,716 |
| Assets per employee ($millions) | 4.7341% | 2,868 |
| Cash dividends to net income (ytd only)* | 40.3588% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8372% | 4,281 |
| Loan loss allowance to noncurrent loans | 47.0525% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.3485% | 881 |
| Noncurrent loans to loans | 1.7793% | 806 |
| Net loans and leases to total assets | 43.9350% | 4,694 |
| Net loans and leases to deposits | 52.8376% | 4,677 |
| Net loans and leases to core deposits | 55.4628% | 4,704 |
| Total domestic deposits to total assets | 83.1511% | 3,106 |
| Equity capital to assets | 15.8907% | 654 |
| Core capital (leverage) ratio | 14.9326% | 752 |
| Tier 1 risk-based capital ratio | 27.4974% | 606 |
| Total risk-based capital ratio | 28.1827% | 630 |
| Memoranda: | ||
| Average total assets | $117,984,000 | 3,772 |
| Average earning assets | $111,438,500 | 3,726 |
| Average equity | $17,433,000 | 3,422 |
| Average total loans | $54,379,000 | 4,141 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 3,651 |
| Cost of funding earning assets | 0.5825% | 3,738 |
| Net interest margin | 3.7118% | 2,897 |
| Noninterest income to average assets | 0.2325% | 4,358 |
| Noninterest expense to average assets | 1.8462% | 4,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8126% | 575 |
| Return on assets (ROA) | 1.8191% | 594 |
| Pretax return on assets | 1.9073% | 824 |
| Return on Equity (ROE) | 12.6303% | 1,360 |
| Retained earnings to average equity (ytd only) | 7.6819% | 1,527 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2754% | 4,822 |
| Assets per employee ($millions) | 4.7995% | 2,740 |
| Cash dividends to net income (ytd only)* | 39.1791% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7788% | 4,512 |
| Loan loss allowance to noncurrent loans | 56.8421% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.2610% | 1,033 |
| Noncurrent loans to loans | 1.3701% | 1,134 |
| Net loans and leases to total assets | 45.8700% | 4,644 |
| Net loans and leases to deposits | 55.5227% | 4,614 |
| Net loans and leases to core deposits | 57.9707% | 4,644 |
| Total domestic deposits to total assets | 82.6148% | 3,327 |
| Equity capital to assets | 15.0966% | 787 |
| Core capital (leverage) ratio | 14.5035% | 824 |
| Tier 1 risk-based capital ratio | 25.5930% | 713 |
| Total risk-based capital ratio | 26.2290% | 740 |
| Memoranda: | ||
| Average total assets | $117,861,330 | 3,800 |
| Average earning assets | $111,588,670 | 3,747 |
| Average equity | $16,975,000 | 3,467 |
| Average total loans | $55,026,330 | 4,146 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 3,658 |
| Cost of funding earning assets | 0.6193% | 3,468 |
| Net interest margin | 3.6473% | 3,081 |
| Noninterest income to average assets | 0.2603% | 4,150 |
| Noninterest expense to average assets | 1.8802% | 4,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7721% | 620 |
| Return on assets (ROA) | 1.8082% | 588 |
| Pretax return on assets | 1.8870% | 815 |
| Return on Equity (ROE) | 12.8737% | 1,262 |
| Retained earnings to average equity (ytd only) | 12.8737% | 479 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4132% | 4,797 |
| Assets per employee ($millions) | 4.8464% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 4,468 |
| Loan loss allowance to noncurrent loans | 59.9168% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.3266% | 970 |
| Noncurrent loans to loans | 1.3652% | 1,185 |
| Net loans and leases to total assets | 45.0341% | 4,701 |
| Net loans and leases to deposits | 53.2934% | 4,703 |
| Net loans and leases to core deposits | 56.2904% | 4,700 |
| Total domestic deposits to total assets | 84.5023% | 2,849 |
| Equity capital to assets | 14.6036% | 857 |
| Core capital (leverage) ratio | 14.7221% | 761 |
| Tier 1 risk-based capital ratio | 26.2383% | 671 |
| Total risk-based capital ratio | 26.8951% | 695 |
| Memoranda: | ||
| Average total assets | $116,798,500 | 3,852 |
| Average earning assets | $111,094,500 | 3,799 |
| Average equity | $16,405,500 | 3,544 |
| Average total loans | $54,804,500 | 4,194 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 3,733 |
| Cost of funding earning assets | 0.5276% | 3,194 |
| Net interest margin | 3.5749% | 3,466 |
| Noninterest income to average assets | 0.2631% | 4,358 |
| Noninterest expense to average assets | 2.1078% | 4,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4700% | 1,205 |
| Return on assets (ROA) | 1.4861% | 1,143 |
| Pretax return on assets | 1.5648% | 1,570 |
| Return on Equity (ROE) | 9.6335% | 2,673 |
| Retained earnings to average equity (ytd only) | 5.0279% | 2,752 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6585% | 4,198 |
| Assets per employee ($millions) | 4.6913% | 2,890 |
| Cash dividends to net income (ytd only)* | 47.8088% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 4,646 |
| Loan loss allowance to noncurrent loans | 54.0676% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.3821% | 896 |
| Noncurrent loans to loans | 1.4068% | 1,107 |
| Net loans and leases to total assets | 48.0581% | 4,634 |
| Net loans and leases to deposits | 56.1495% | 4,658 |
| Net loans and leases to core deposits | 59.2644% | 4,661 |
| Total domestic deposits to total assets | 85.5896% | 2,398 |
| Equity capital to assets | 13.4930% | 1,147 |
| Core capital (leverage) ratio | 14.2394% | 858 |
| Tier 1 risk-based capital ratio | 24.1896% | 811 |
| Total risk-based capital ratio | 24.8142% | 835 |
| Memoranda: | ||
| Average total assets | $118,227,600 | 3,816 |
| Average earning assets | $112,200,200 | 3,775 |
| Average equity | $18,238,400 | 3,272 |
| Average total loans | $53,331,600 | 4,236 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,854 |
| Cost of funding earning assets | 0.5282% | 3,010 |
| Net interest margin | 3.4976% | 3,706 |
| Noninterest income to average assets | 0.2701% | 4,347 |
| Noninterest expense to average assets | 2.0203% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4811% | 1,246 |
| Return on assets (ROA) | 1.5025% | 1,180 |
| Pretax return on assets | 1.5813% | 1,631 |
| Return on Equity (ROE) | 9.4469% | 2,876 |
| Retained earnings to average equity (ytd only) | 4.9888% | 3,241 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4465% | 4,321 |
| Assets per employee ($millions) | 4.5893% | 2,992 |
| Cash dividends to net income (ytd only)* | 47.1909% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 4,750 |
| Loan loss allowance to noncurrent loans | 35.1837% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.6401% | 759 |
| Noncurrent loans to loans | 2.1392% | 671 |
| Net loans and leases to total assets | 47.6299% | 4,730 |
| Net loans and leases to deposits | 57.2037% | 4,689 |
| Net loans and leases to core deposits | 59.7594% | 4,715 |
| Total domestic deposits to total assets | 83.2638% | 3,213 |
| Equity capital to assets | 12.7898% | 1,426 |
| Core capital (leverage) ratio | 14.0111% | 934 |
| Tier 1 risk-based capital ratio | 23.4242% | 902 |
| Total risk-based capital ratio | 24.0354% | 936 |
| Memoranda: | ||
| Average total assets | $118,463,750 | 3,852 |
| Average earning assets | $112,072,500 | 3,816 |
| Average equity | $18,841,750 | 3,219 |
| Average total loans | $52,465,500 | 4,301 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9172% | 4,026 |
| Cost of funding earning assets | 0.4992% | 3,013 |
| Net interest margin | 3.4180% | 3,897 |
| Noninterest income to average assets | 0.2759% | 4,344 |
| Noninterest expense to average assets | 2.0308% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4105% | 1,398 |
| Return on assets (ROA) | 1.4250% | 1,354 |
| Pretax return on assets | 1.5045% | 1,798 |
| Return on Equity (ROE) | 8.4052% | 3,310 |
| Retained earnings to average equity (ytd only) | 4.2126% | 3,495 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6923% | 4,285 |
| Assets per employee ($millions) | 5.0080% | 2,407 |
| Cash dividends to net income (ytd only)* | 49.8812% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8353% | 4,588 |
| Loan loss allowance to noncurrent loans | 238.1215% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.7926% | 1,891 |
| Noncurrent loans to loans | 0.3508% | 3,443 |
| Net loans and leases to total assets | 44.4242% | 4,884 |
| Net loans and leases to deposits | 52.2943% | 4,899 |
| Net loans and leases to core deposits | 55.0760% | 4,897 |
| Total domestic deposits to total assets | 84.9503% | 2,696 |
| Equity capital to assets | 13.3689% | 1,150 |
| Core capital (leverage) ratio | 13.6062% | 1,032 |
| Tier 1 risk-based capital ratio | 25.1592% | 718 |
| Total risk-based capital ratio | 25.8271% | 757 |
| Memoranda: | ||
| Average total assets | $118,177,670 | 3,887 |
| Average earning assets | $112,170,670 | 3,843 |
| Average equity | $20,035,330 | 3,127 |
| Average total loans | $50,866,000 | 4,382 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 4,296 |
| Cost of funding earning assets | 0.5041% | 2,763 |
| Net interest margin | 3.2677% | 4,267 |
| Noninterest income to average assets | 0.2707% | 4,359 |
| Noninterest expense to average assets | 1.9353% | 4,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3552% | 1,463 |
| Return on assets (ROA) | 1.3838% | 1,400 |
| Pretax return on assets | 1.4640% | 1,790 |
| Return on Equity (ROE) | 7.4082% | 3,628 |
| Retained earnings to average equity (ytd only) | 7.4082% | 2,099 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4405% | 4,414 |
| Assets per employee ($millions) | 4.5904% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 4,630 |
| Loan loss allowance to noncurrent loans | 111.9481% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 1,586 |
| Noncurrent loans to loans | 0.7606% | 2,297 |
| Net loans and leases to total assets | 42.0524% | 4,979 |
| Net loans and leases to deposits | 52.2149% | 4,873 |
| Net loans and leases to core deposits | 54.5206% | 4,898 |
| Total domestic deposits to total assets | 80.5372% | 4,308 |
| Equity capital to assets | 18.5554% | 281 |
| Core capital (leverage) ratio | 19.2295% | 245 |
| Tier 1 risk-based capital ratio | 34.9724% | 327 |
| Total risk-based capital ratio | 35.6296% | 334 |
| Memoranda: | ||
| Average total assets | $119,674,000 | 3,905 |
| Average earning assets | $113,473,000 | 3,858 |
| Average equity | $22,353,500 | 2,924 |
| Average total loans | $50,498,500 | 4,432 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 4,280 |
| Cost of funding earning assets | 0.4721% | 2,584 |
| Net interest margin | 3.2524% | 4,300 |
| Noninterest income to average assets | 0.4292% | 3,444 |
| Noninterest expense to average assets | 1.9884% | 4,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4743% | 858 |
| Return on assets (ROA) | 1.5004% | 820 |
| Pretax return on assets | 1.5753% | 1,362 |
| Return on Equity (ROE) | 8.4125% | 2,598 |
| Retained earnings to average equity (ytd only) | 4.6194% | 2,381 |
| Net charge-offs to loans | 0.0159% | 3,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 240.2500% | 346 |
| Efficiency ratio | 56.2286% | 4,750 |
| Assets per employee ($millions) | 4.9999% | 2,476 |
| Cash dividends to net income (ytd only)* | 45.0886% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 4,645 |
| Loan loss allowance to noncurrent loans | 101.4118% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.1217% | 1,333 |
| Noncurrent loans to loans | 0.8437% | 2,108 |
| Net loans and leases to total assets | 41.6219% | 5,075 |
| Net loans and leases to deposits | 52.0027% | 4,987 |
| Net loans and leases to core deposits | 54.5346% | 4,984 |
| Total domestic deposits to total assets | 80.0378% | 4,329 |
| Equity capital to assets | 18.8013% | 260 |
| Core capital (leverage) ratio | 18.5021% | 262 |
| Tier 1 risk-based capital ratio | 34.9086% | 320 |
| Total risk-based capital ratio | 35.5766% | 332 |
| Memoranda: | ||
| Average total assets | $124,170,200 | 3,836 |
| Average earning assets | $118,620,000 | 3,770 |
| Average equity | $22,145,600 | 2,943 |
| Average total loans | $50,242,000 | 4,450 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 4,284 |
| Cost of funding earning assets | 0.4769% | 2,457 |
| Net interest margin | 3.2382% | 4,366 |
| Noninterest income to average assets | 0.4430% | 3,382 |
| Noninterest expense to average assets | 1.8166% | 5,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6259% | 672 |
| Return on assets (ROA) | 1.6409% | 667 |
| Pretax return on assets | 1.7367% | 1,032 |
| Return on Equity (ROE) | 9.3215% | 2,435 |
| Retained earnings to average equity (ytd only) | 5.5106% | 2,532 |
| Net charge-offs to loans | 0.0213% | 3,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 201.9316% | 431 |
| Efficiency ratio | 51.3546% | 5,153 |
| Assets per employee ($millions) | 5.1075% | 2,320 |
| Cash dividends to net income (ytd only)* | 40.8825% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 4,775 |
| Loan loss allowance to noncurrent loans | 100.7009% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.1486% | 1,440 |
| Noncurrent loans to loans | 0.8400% | 2,260 |
| Net loans and leases to total assets | 41.2160% | 5,149 |
| Net loans and leases to deposits | 54.0845% | 4,962 |
| Net loans and leases to core deposits | 56.2918% | 4,987 |
| Total domestic deposits to total assets | 76.2068% | 4,999 |
| Equity capital to assets | 18.7280% | 284 |
| Core capital (leverage) ratio | 18.0497% | 303 |
| Tier 1 risk-based capital ratio | 34.2325% | 346 |
| Total risk-based capital ratio | 34.8909% | 355 |
| Memoranda: | ||
| Average total assets | $125,213,500 | 3,858 |
| Average earning assets | $119,650,750 | 3,789 |
| Average equity | $22,041,750 | 2,979 |
| Average total loans | $50,208,500 | 4,496 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6479% | 4,371 |
| Cost of funding earning assets | 0.4757% | 2,369 |
| Net interest margin | 3.1722% | 4,491 |
| Noninterest income to average assets | 0.2966% | 4,416 |
| Noninterest expense to average assets | 1.7892% | 5,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4482% | 951 |
| Return on assets (ROA) | 1.4482% | 980 |
| Pretax return on assets | 1.5433% | 1,516 |
| Return on Equity (ROE) | 8.4006% | 2,828 |
| Retained earnings to average equity (ytd only) | 4.5361% | 3,010 |
| Net charge-offs to loans | 0.0320% | 2,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 121.6250% | 573 |
| Efficiency ratio | 53.6887% | 5,042 |
| Assets per employee ($millions) | 5.3466% | 2,013 |
| Cash dividends to net income (ytd only)* | 46.0022% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 4,740 |
| Loan loss allowance to noncurrent loans | 95.7684% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.3194% | 1,238 |
| Noncurrent loans to loans | 0.9117% | 2,148 |
| Net loans and leases to total assets | 38.0458% | 5,303 |
| Net loans and leases to deposits | 46.8082% | 5,261 |
| Net loans and leases to core deposits | 48.5578% | 5,267 |
| Total domestic deposits to total assets | 81.2802% | 4,109 |
| Equity capital to assets | 17.6802% | 344 |
| Core capital (leverage) ratio | 17.2148% | 355 |
| Tier 1 risk-based capital ratio | 33.2331% | 353 |
| Total risk-based capital ratio | 33.8829% | 372 |
| Memoranda: | ||
| Average total assets | $126,091,000 | 3,867 |
| Average earning assets | $120,672,000 | 3,793 |
| Average equity | $21,736,670 | 3,005 |
| Average total loans | $49,960,000 | 4,533 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6362% | 4,316 |
| Cost of funding earning assets | 0.5123% | 1,991 |
| Net interest margin | 3.1238% | 4,587 |
| Noninterest income to average assets | 0.3137% | 4,306 |
| Noninterest expense to average assets | 1.7987% | 5,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4243% | 948 |
| Return on assets (ROA) | 1.4243% | 974 |
| Pretax return on assets | 1.5203% | 1,473 |
| Return on Equity (ROE) | 8.3719% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.3719% | 1,316 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1948% | 5,108 |
| Assets per employee ($millions) | 5.6921% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 4,865 |
| Loan loss allowance to noncurrent loans | 102.0930% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.4278% | 1,156 |
| Noncurrent loans to loans | 0.8523% | 2,328 |
| Net loans and leases to total assets | 39.9395% | 5,252 |
| Net loans and leases to deposits | 48.8623% | 5,180 |
| Net loans and leases to core deposits | 50.7493% | 5,195 |
| Total domestic deposits to total assets | 81.7388% | 4,234 |
| Equity capital to assets | 17.2519% | 361 |
| Core capital (leverage) ratio | 17.4070% | 333 |
| Tier 1 risk-based capital ratio | 33.0582% | 375 |
| Total risk-based capital ratio | 33.7195% | 389 |
| Memoranda: | ||
| Average total assets | $124,977,000 | 3,920 |
| Average earning assets | $120,237,000 | 3,833 |
| Average equity | $21,261,500 | 3,057 |
| Average total loans | $50,315,000 | 4,553 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7533% | 4,044 |
| Cost of funding earning assets | 0.4739% | 2,318 |
| Net interest margin | 3.2794% | 4,206 |
| Noninterest income to average assets | 0.3381% | 4,318 |
| Noninterest expense to average assets | 1.8815% | 5,387 |
| Loan and lease loss provision to assets | 0.0201% | 3,966 |
| Net operating income to assets | 1.4681% | 889 |
| Return on assets (ROA) | 1.6342% | 656 |
| Pretax return on assets | 1.7305% | 929 |
| Return on Equity (ROE) | 9.2989% | 2,273 |
| Retained earnings to average equity (ytd only) | 5.4606% | 2,037 |
| Net charge-offs to loans | 0.0587% | 2,875 |
| Credit loss provision to net charge-offs | 89.2857% | 2,809 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 792 |
| Efficiency ratio | 54.4504% | 5,205 |
| Assets per employee ($millions) | 4.7972% | 2,654 |
| Cash dividends to net income (ytd only)* | 41.2776% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8729% | 4,888 |
| Loan loss allowance to noncurrent loans | 123.7288% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.4728% | 1,149 |
| Noncurrent loans to loans | 0.7055% | 2,769 |
| Net loans and leases to total assets | 39.8775% | 5,319 |
| Net loans and leases to deposits | 48.5249% | 5,273 |
| Net loans and leases to core deposits | 50.4826% | 5,286 |
| Total domestic deposits to total assets | 82.1795% | 4,021 |
| Equity capital to assets | 16.7718% | 414 |
| Core capital (leverage) ratio | 17.1278% | 349 |
| Tier 1 risk-based capital ratio | 32.5728% | 394 |
| Total risk-based capital ratio | 33.2364% | 402 |
| Memoranda: | ||
| Average total assets | $124,527,000 | 3,917 |
| Average earning assets | $118,376,200 | 3,857 |
| Average equity | $21,884,200 | 2,995 |
| Average total loans | $47,685,800 | 4,646 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7398% | 4,115 |
| Cost of funding earning assets | 0.4821% | 2,240 |
| Net interest margin | 3.2576% | 4,325 |
| Noninterest income to average assets | 0.3149% | 4,513 |
| Noninterest expense to average assets | 1.6977% | 5,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6222% | 698 |
| Return on assets (ROA) | 1.8348% | 477 |
| Pretax return on assets | 1.9312% | 658 |
| Return on Equity (ROE) | 10.3227% | 1,919 |
| Retained earnings to average equity (ytd only) | 6.5262% | 1,895 |
| Net charge-offs to loans | 0.0312% | 3,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 144.8725% | 478 |
| Efficiency ratio | 49.8584% | 5,513 |
| Assets per employee ($millions) | 4.9878% | 2,378 |
| Cash dividends to net income (ytd only)* | 36.7777% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 4,985 |
| Loan loss allowance to noncurrent loans | 114.3236% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.5839% | 1,102 |
| Noncurrent loans to loans | 0.7571% | 2,780 |
| Net loans and leases to total assets | 39.5886% | 5,400 |
| Net loans and leases to deposits | 51.4047% | 5,233 |
| Net loans and leases to core deposits | 53.0755% | 5,263 |
| Total domestic deposits to total assets | 77.0135% | 5,084 |
| Equity capital to assets | 18.3600% | 316 |
| Core capital (leverage) ratio | 17.2929% | 348 |
| Tier 1 risk-based capital ratio | 32.9558% | 386 |
| Total risk-based capital ratio | 33.6199% | 393 |
| Memoranda: | ||
| Average total assets | $124,477,000 | 3,940 |
| Average earning assets | $118,079,500 | 3,884 |
| Average equity | $22,125,500 | 2,998 |
| Average total loans | $47,063,250 | 4,701 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6919% | 4,321 |
| Cost of funding earning assets | 0.4883% | 2,205 |
| Net interest margin | 3.2036% | 4,529 |
| Noninterest income to average assets | 0.3167% | 4,517 |
| Noninterest expense to average assets | 1.6816% | 5,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5956% | 734 |
| Return on assets (ROA) | 1.7636% | 543 |
| Pretax return on assets | 1.8601% | 764 |
| Return on Equity (ROE) | 10.0323% | 2,039 |
| Retained earnings to average equity (ytd only) | 6.1913% | 2,019 |
| Net charge-offs to loans | 0.0087% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 523.5000% | 130 |
| Efficiency ratio | 49.9761% | 5,561 |
| Assets per employee ($millions) | 4.9875% | 2,310 |
| Cash dividends to net income (ytd only)* | 38.2862% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 4,920 |
| Loan loss allowance to noncurrent loans | 102.0882% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.6273% | 1,127 |
| Noncurrent loans to loans | 0.8927% | 2,501 |
| Net loans and leases to total assets | 38.3702% | 5,498 |
| Net loans and leases to deposits | 48.4869% | 5,404 |
| Net loans and leases to core deposits | 50.2141% | 5,423 |
| Total domestic deposits to total assets | 79.1351% | 4,746 |
| Equity capital to assets | 18.2351% | 320 |
| Core capital (leverage) ratio | 17.0217% | 367 |
| Tier 1 risk-based capital ratio | 32.8794% | 389 |
| Total risk-based capital ratio | 33.5689% | 394 |
| Memoranda: | ||
| Average total assets | $124,404,330 | 3,969 |
| Average earning assets | $118,367,670 | 3,903 |
| Average equity | $21,869,330 | 3,023 |
| Average total loans | $46,152,330 | 4,763 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6456% | 4,486 |
| Cost of funding earning assets | 0.5309% | 1,859 |
| Net interest margin | 3.1146% | 4,820 |
| Noninterest income to average assets | 0.3187% | 4,447 |
| Noninterest expense to average assets | 1.6546% | 5,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5392% | 794 |
| Return on assets (ROA) | 1.6481% | 679 |
| Pretax return on assets | 1.7447% | 954 |
| Return on Equity (ROE) | 9.5542% | 2,179 |
| Retained earnings to average equity (ytd only) | 9.5542% | 965 |
| Net charge-offs to loans | 0.0266% | 2,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 168.6667% | 362 |
| Efficiency ratio | 50.3922% | 5,611 |
| Assets per employee ($millions) | 5.3688% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 4,714 |
| Loan loss allowance to noncurrent loans | 76.2153% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.7606% | 1,066 |
| Noncurrent loans to loans | 1.2858% | 1,880 |
| Net loans and leases to total assets | 35.9224% | 5,644 |
| Net loans and leases to deposits | 45.7639% | 5,515 |
| Net loans and leases to core deposits | 47.4610% | 5,532 |
| Total domestic deposits to total assets | 78.4950% | 5,060 |
| Equity capital to assets | 17.7636% | 347 |
| Core capital (leverage) ratio | 16.8876% | 381 |
| Tier 1 risk-based capital ratio | 33.4345% | 381 |
| Total risk-based capital ratio | 34.1396% | 395 |
| Memoranda: | ||
| Average total assets | $124,262,500 | 4,002 |
| Average earning assets | $118,280,500 | 3,937 |
| Average equity | $21,435,500 | 3,070 |
| Average total loans | $45,087,000 | 4,827 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 4,216 |
| Cost of funding earning assets | 0.4944% | 2,203 |
| Net interest margin | 3.2499% | 4,474 |
| Noninterest income to average assets | 0.3863% | 4,147 |
| Noninterest expense to average assets | 1.9435% | 5,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4631% | 926 |
| Return on assets (ROA) | 1.5856% | 753 |
| Pretax return on assets | 1.6708% | 1,062 |
| Return on Equity (ROE) | 9.5779% | 2,190 |
| Retained earnings to average equity (ytd only) | 5.7350% | 1,936 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7625% | 5,366 |
| Assets per employee ($millions) | 5.4366% | 1,867 |
| Cash dividends to net income (ytd only)* | 40.1228% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 4,752 |
| Loan loss allowance to noncurrent loans | 98.0000% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.6378% | 1,196 |
| Noncurrent loans to loans | 0.9917% | 2,355 |
| Net loans and leases to total assets | 35.9367% | 5,711 |
| Net loans and leases to deposits | 43.8165% | 5,655 |
| Net loans and leases to core deposits | 45.4634% | 5,669 |
| Total domestic deposits to total assets | 82.0164% | 4,162 |
| Equity capital to assets | 16.7432% | 435 |
| Core capital (leverage) ratio | 16.4394% | 422 |
| Tier 1 risk-based capital ratio | 33.0453% | 394 |
| Total risk-based capital ratio | 33.7630% | 402 |
| Memoranda: | ||
| Average total assets | $123,231,600 | 4,017 |
| Average earning assets | $117,511,000 | 3,934 |
| Average equity | $20,401,200 | 3,134 |
| Average total loans | $43,962,200 | 4,859 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 4,267 |
| Cost of funding earning assets | 0.4980% | 2,231 |
| Net interest margin | 3.2492% | 4,530 |
| Noninterest income to average assets | 0.3236% | 4,624 |
| Noninterest expense to average assets | 1.8559% | 5,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4990% | 924 |
| Return on assets (ROA) | 1.6713% | 685 |
| Pretax return on assets | 1.7527% | 990 |
| Return on Equity (ROE) | 10.1243% | 2,056 |
| Retained earnings to average equity (ytd only) | 6.2562% | 2,087 |
| Net charge-offs to loans | 0.0092% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 482.3225% | 149 |
| Efficiency ratio | 54.1508% | 5,499 |
| Assets per employee ($millions) | 4.8388% | 2,504 |
| Cash dividends to net income (ytd only)* | 38.2066% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 4,907 |
| Loan loss allowance to noncurrent loans | 217.9104% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.4871% | 1,513 |
| Noncurrent loans to loans | 0.4438% | 4,016 |
| Net loans and leases to total assets | 37.0753% | 5,743 |
| Net loans and leases to deposits | 46.7860% | 5,618 |
| Net loans and leases to core deposits | 48.3433% | 5,641 |
| Total domestic deposits to total assets | 79.2444% | 4,921 |
| Equity capital to assets | 16.8066% | 454 |
| Core capital (leverage) ratio | 16.6447% | 411 |
| Tier 1 risk-based capital ratio | 32.2973% | 436 |
| Total risk-based capital ratio | 33.0016% | 449 |
| Memoranda: | ||
| Average total assets | $122,779,000 | 4,073 |
| Average earning assets | $117,277,750 | 3,979 |
| Average equity | $20,267,500 | 3,179 |
| Average total loans | $43,608,500 | 4,925 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 4,376 |
| Cost of funding earning assets | 0.4960% | 2,284 |
| Net interest margin | 3.2147% | 4,615 |
| Noninterest income to average assets | 0.3064% | 4,761 |
| Noninterest expense to average assets | 1.8917% | 5,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4523% | 983 |
| Return on assets (ROA) | 1.7101% | 648 |
| Pretax return on assets | 1.7588% | 957 |
| Return on Equity (ROE) | 10.4216% | 1,884 |
| Retained earnings to average equity (ytd only) | 6.5493% | 1,922 |
| Net charge-offs to loans | 0.0139% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 307.0000% | 225 |
| Efficiency ratio | 55.8908% | 5,438 |
| Assets per employee ($millions) | 5.0045% | 2,270 |
| Cash dividends to net income (ytd only)* | 37.1564% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 4,904 |
| Loan loss allowance to noncurrent loans | 374.3590% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 1.4853% | 1,661 |
| Noncurrent loans to loans | 0.2651% | 4,718 |
| Net loans and leases to total assets | 36.3831% | 5,797 |
| Net loans and leases to deposits | 44.3429% | 5,750 |
| Net loans and leases to core deposits | 46.5076% | 5,743 |
| Total domestic deposits to total assets | 82.0495% | 4,283 |
| Equity capital to assets | 16.6042% | 455 |
| Core capital (leverage) ratio | 16.2996% | 427 |
| Tier 1 risk-based capital ratio | 32.3058% | 449 |
| Total risk-based capital ratio | 33.0206% | 457 |
| Memoranda: | ||
| Average total assets | $123,382,000 | 4,083 |
| Average earning assets | $118,145,000 | 3,986 |
| Average equity | $20,246,330 | 3,190 |
| Average total loans | $43,048,670 | 4,989 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7777% | 4,102 |
| Cost of funding earning assets | 0.4992% | 2,286 |
| Net interest margin | 3.2784% | 4,300 |
| Noninterest income to average assets | 0.1696% | 5,704 |
| Noninterest expense to average assets | 1.7981% | 5,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5230% | 812 |
| Return on assets (ROA) | 1.9581% | 383 |
| Pretax return on assets | 1.9581% | 633 |
| Return on Equity (ROE) | 12.0012% | 1,351 |
| Retained earnings to average equity (ytd only) | 12.0012% | 575 |
| Net charge-offs to loans | -0.0094% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1426% | 5,668 |
| Assets per employee ($millions) | 4.8010% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 4,833 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 433 |
| Noncurrent assets plus other real estate owned to assets | 1.5297% | 1,699 |
| Noncurrent loans to loans | 0.0799% | 5,459 |
| Net loans and leases to total assets | 35.1055% | 5,868 |
| Net loans and leases to deposits | 43.2620% | 5,786 |
| Net loans and leases to core deposits | 45.1675% | 5,791 |
| Total domestic deposits to total assets | 81.1463% | 4,786 |
| Equity capital to assets | 17.3857% | 389 |
| Core capital (leverage) ratio | 15.6083% | 516 |
| Tier 1 risk-based capital ratio | 33.8337% | 400 |
| Total risk-based capital ratio | 34.5910% | 408 |
| Memoranda: | ||
| Average total assets | $125,019,000 | 4,083 |
| Average earning assets | $120,180,500 | 3,970 |
| Average equity | $20,398,000 | 3,188 |
| Average total loans | $42,504,500 | 5,049 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8496% | 4,321 |
| Cost of funding earning assets | 0.5955% | 1,796 |
| Net interest margin | 3.2540% | 4,735 |
| Noninterest income to average assets | 0.2001% | 5,660 |
| Noninterest expense to average assets | 1.9783% | 5,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2713% | 1,367 |
| Return on assets (ROA) | 1.3787% | 1,161 |
| Pretax return on assets | 1.4418% | 1,749 |
| Return on Equity (ROE) | 9.8973% | 2,165 |
| Retained earnings to average equity (ytd only) | 5.4633% | 2,285 |
| Net charge-offs to loans | 0.1982% | 2,083 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 19.6279% | 1,770 |
| Efficiency ratio | 59.8000% | 5,248 |
| Assets per employee ($millions) | 5.2006% | 2,074 |
| Cash dividends to net income (ytd only)* | 44.8000% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 4,859 |
| Loan loss allowance to noncurrent loans | 159.2058% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.5991% | 1,687 |
| Noncurrent loans to loans | 0.6528% | 3,726 |
| Net loans and leases to total assets | 32.2973% | 6,107 |
| Net loans and leases to deposits | 40.3798% | 6,025 |
| Net loans and leases to core deposits | 42.0410% | 6,039 |
| Total domestic deposits to total assets | 79.9837% | 5,020 |
| Equity capital to assets | 15.3283% | 645 |
| Core capital (leverage) ratio | 14.9538% | 618 |
| Tier 1 risk-based capital ratio | 31.4476% | 458 |
| Total risk-based capital ratio | 32.1724% | 464 |
| Memoranda: | ||
| Average total assets | $126,927,000 | 4,039 |
| Average earning assets | $121,234,400 | 3,933 |
| Average equity | $17,681,600 | 3,432 |
| Average total loans | $43,398,200 | 5,056 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 4,206 |
| Cost of funding earning assets | 0.6176% | 1,699 |
| Net interest margin | 3.2729% | 4,706 |
| Noninterest income to average assets | 0.1881% | 5,787 |
| Noninterest expense to average assets | 1.8242% | 6,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4131% | 1,104 |
| Return on assets (ROA) | 1.4743% | 1,016 |
| Pretax return on assets | 1.5483% | 1,487 |
| Return on Equity (ROE) | 10.8644% | 1,850 |
| Retained earnings to average equity (ytd only) | 6.2850% | 2,227 |
| Net charge-offs to loans | 0.2627% | 1,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.3261% | 1,983 |
| Efficiency ratio | 55.1438% | 5,731 |
| Assets per employee ($millions) | 5.0232% | 2,212 |
| Cash dividends to net income (ytd only)* | 42.1506% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 4,887 |
| Loan loss allowance to noncurrent loans | 102.3202% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.7781% | 1,682 |
| Noncurrent loans to loans | 1.0446% | 2,984 |
| Net loans and leases to total assets | 32.5041% | 6,162 |
| Net loans and leases to deposits | 39.6725% | 6,124 |
| Net loans and leases to core deposits | 40.8873% | 6,158 |
| Total domestic deposits to total assets | 81.9312% | 4,501 |
| Equity capital to assets | 15.0883% | 720 |
| Core capital (leverage) ratio | 14.8738% | 641 |
| Tier 1 risk-based capital ratio | 32.1927% | 430 |
| Total risk-based capital ratio | 32.9409% | 444 |
| Memoranda: | ||
| Average total assets | $126,155,250 | 4,083 |
| Average earning assets | $120,255,500 | 3,981 |
| Average equity | $17,119,750 | 3,530 |
| Average total loans | $43,639,750 | 5,104 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 4,152 |
| Cost of funding earning assets | 0.6437% | 1,559 |
| Net interest margin | 3.2517% | 4,773 |
| Noninterest income to average assets | 0.1947% | 5,796 |
| Noninterest expense to average assets | 1.8172% | 6,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4238% | 1,014 |
| Return on assets (ROA) | 1.4025% | 1,097 |
| Pretax return on assets | 1.4579% | 1,681 |
| Return on Equity (ROE) | 10.7327% | 1,830 |
| Retained earnings to average equity (ytd only) | 5.9841% | 2,334 |
| Net charge-offs to loans | 0.3196% | 1,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.1690% | 1,994 |
| Efficiency ratio | 55.1128% | 5,823 |
| Assets per employee ($millions) | 4.8927% | 2,352 |
| Cash dividends to net income (ytd only)* | 44.2438% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 5,003 |
| Loan loss allowance to noncurrent loans | 32.4786% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 1.5423% | 2,112 |
| Noncurrent loans to loans | 3.3116% | 835 |
| Net loans and leases to total assets | 32.9688% | 6,203 |
| Net loans and leases to deposits | 38.6437% | 6,202 |
| Net loans and leases to core deposits | 40.0918% | 6,220 |
| Total domestic deposits to total assets | 85.3149% | 3,354 |
| Equity capital to assets | 14.2260% | 888 |
| Core capital (leverage) ratio | 14.5713% | 686 |
| Tier 1 risk-based capital ratio | 32.2973% | 435 |
| Total risk-based capital ratio | 33.0864% | 442 |
| Memoranda: | ||
| Average total assets | $126,346,670 | 4,109 |
| Average earning assets | $120,551,670 | 3,994 |
| Average equity | $16,510,330 | 3,615 |
| Average total loans | $44,433,000 | 5,106 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 3,821 |
| Cost of funding earning assets | 0.6563% | 1,545 |
| Net interest margin | 3.3114% | 4,482 |
| Noninterest income to average assets | 0.2001% | 5,756 |
| Noninterest expense to average assets | 1.8679% | 6,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5058% | 808 |
| Return on assets (ROA) | 1.5376% | 785 |
| Pretax return on assets | 1.5376% | 1,316 |
| Return on Equity (ROE) | 12.3179% | 1,337 |
| Retained earnings to average equity (ytd only) | 12.3179% | 568 |
| Net charge-offs to loans | 0.6424% | 574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.4932% | 2,215 |
| Efficiency ratio | 55.3672% | 5,890 |
| Assets per employee ($millions) | 4.9103% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 5,495 |
| Loan loss allowance to noncurrent loans | 31.9944% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 1.5485% | 2,282 |
| Noncurrent loans to loans | 3.1457% | 987 |
| Net loans and leases to total assets | 34.9772% | 6,125 |
| Net loans and leases to deposits | 41.2293% | 6,121 |
| Net loans and leases to core deposits | 42.5573% | 6,141 |
| Total domestic deposits to total assets | 84.8358% | 3,941 |
| Equity capital to assets | 13.0705% | 1,279 |
| Core capital (leverage) ratio | 14.7332% | 640 |
| Tier 1 risk-based capital ratio | 30.1336% | 523 |
| Total risk-based capital ratio | 30.8670% | 533 |
| Memoranda: | ||
| Average total assets | $125,914,500 | 4,144 |
| Average earning assets | $120,674,000 | 4,028 |
| Average equity | $15,717,000 | 3,746 |
| Average total loans | $45,451,500 | 5,102 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 4,167 |
| Cost of funding earning assets | 0.7051% | 1,775 |
| Net interest margin | 3.2713% | 4,772 |
| Noninterest income to average assets | 0.2073% | 5,842 |
| Noninterest expense to average assets | 2.0738% | 5,885 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1904% | 1,610 |
| Return on assets (ROA) | 1.2778% | 1,362 |
| Pretax return on assets | 1.3491% | 1,974 |
| Return on Equity (ROE) | 9.1714% | 2,464 |
| Retained earnings to average equity (ytd only) | 4.8387% | 2,707 |
| Net charge-offs to loans | 0.0226% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 151.6000% | 308 |
| Efficiency ratio | 62.2604% | 5,168 |
| Assets per employee ($millions) | 4.7754% | 2,479 |
| Cash dividends to net income (ytd only)* | 47.2421% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 4,910 |
| Loan loss allowance to noncurrent loans | 25.3365% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 2.1738% | 1,646 |
| Noncurrent loans to loans | 4.5421% | 581 |
| Net loans and leases to total assets | 36.4586% | 6,174 |
| Net loans and leases to deposits | 42.3456% | 6,208 |
| Net loans and leases to core deposits | 43.8651% | 6,231 |
| Total domestic deposits to total assets | 86.0978% | 3,205 |
| Equity capital to assets | 11.8774% | 1,881 |
| Core capital (leverage) ratio | 14.6889% | 645 |
| Tier 1 risk-based capital ratio | 29.3797% | 528 |
| Total risk-based capital ratio | 30.2319% | 546 |
| Memoranda: | ||
| Average total assets | $120,597,800 | 4,264 |
| Average earning assets | $115,154,200 | 4,156 |
| Average equity | $16,802,200 | 3,588 |
| Average total loans | $44,235,400 | 5,180 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 4,441 |
| Cost of funding earning assets | 0.7046% | 1,922 |
| Net interest margin | 3.2123% | 4,956 |
| Noninterest income to average assets | 0.1860% | 6,082 |
| Noninterest expense to average assets | 1.8500% | 6,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3283% | 1,273 |
| Return on assets (ROA) | 1.4457% | 1,050 |
| Pretax return on assets | 1.5214% | 1,541 |
| Return on Equity (ROE) | 9.9943% | 2,184 |
| Retained earnings to average equity (ytd only) | 5.7903% | 2,548 |
| Net charge-offs to loans | -0.0122% | 5,931 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9616% | 5,806 |
| Assets per employee ($millions) | 4.7197% | 2,547 |
| Cash dividends to net income (ytd only)* | 42.0647% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 4,746 |
| Loan loss allowance to noncurrent loans | 25.1511% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 2.3527% | 1,671 |
| Noncurrent loans to loans | 4.8865% | 627 |
| Net loans and leases to total assets | 36.8483% | 6,234 |
| Net loans and leases to deposits | 43.3765% | 6,244 |
| Net loans and leases to core deposits | 44.4874% | 6,279 |
| Total domestic deposits to total assets | 84.9498% | 3,776 |
| Equity capital to assets | 12.7687% | 1,440 |
| Core capital (leverage) ratio | 15.1689% | 613 |
| Tier 1 risk-based capital ratio | 31.4778% | 455 |
| Total risk-based capital ratio | 32.4183% | 460 |
| Memoranda: | ||
| Average total assets | $119,707,250 | 4,323 |
| Average earning assets | $114,101,500 | 4,221 |
| Average equity | $17,316,000 | 3,561 |
| Average total loans | $43,845,750 | 5,249 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 4,713 |
| Cost of funding earning assets | 0.6958% | 2,092 |
| Net interest margin | 3.1389% | 5,163 |
| Noninterest income to average assets | 0.1779% | 6,143 |
| Noninterest expense to average assets | 1.8357% | 6,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2695% | 1,407 |
| Return on assets (ROA) | 1.3153% | 1,369 |
| Pretax return on assets | 1.3835% | 1,993 |
| Return on Equity (ROE) | 8.7568% | 2,729 |
| Retained earnings to average equity (ytd only) | 4.7271% | 3,243 |
| Net charge-offs to loans | -0.0183% | 5,947 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8920% | 5,745 |
| Assets per employee ($millions) | 4.6022% | 2,648 |
| Cash dividends to net income (ytd only)* | 46.0177% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 4,750 |
| Loan loss allowance to noncurrent loans | 24.9194% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 2.3375% | 1,841 |
| Noncurrent loans to loans | 5.0021% | 647 |
| Net loans and leases to total assets | 35.8199% | 6,316 |
| Net loans and leases to deposits | 43.7799% | 6,241 |
| Net loans and leases to core deposits | 45.4517% | 6,256 |
| Total domestic deposits to total assets | 81.8180% | 5,106 |
| Equity capital to assets | 13.6490% | 1,072 |
| Core capital (leverage) ratio | 14.7615% | 656 |
| Tier 1 risk-based capital ratio | 31.0706% | 471 |
| Total risk-based capital ratio | 32.0159% | 482 |
| Memoranda: | ||
| Average total assets | $120,279,000 | 4,339 |
| Average earning assets | $114,691,330 | 4,241 |
| Average equity | $18,066,000 | 3,471 |
| Average total loans | $43,788,000 | 5,271 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7587% | 4,965 |
| Cost of funding earning assets | 0.7011% | 2,195 |
| Net interest margin | 3.0576% | 5,404 |
| Noninterest income to average assets | 0.2090% | 5,987 |
| Noninterest expense to average assets | 1.8808% | 6,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1677% | 1,619 |
| Return on assets (ROA) | 1.2572% | 1,485 |
| Pretax return on assets | 1.3467% | 2,051 |
| Return on Equity (ROE) | 8.0072% | 2,970 |
| Retained earnings to average equity (ytd only) | 8.0072% | 1,751 |
| Net charge-offs to loans | -0.0091% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0636% | 5,580 |
| Assets per employee ($millions) | 4.7219% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 5,033 |
| Loan loss allowance to noncurrent loans | 26.8195% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 2.2098% | 2,110 |
| Noncurrent loans to loans | 4.5993% | 890 |
| Net loans and leases to total assets | 35.0876% | 6,359 |
| Net loans and leases to deposits | 42.6180% | 6,285 |
| Net loans and leases to core deposits | 44.2015% | 6,307 |
| Total domestic deposits to total assets | 82.3304% | 5,085 |
| Equity capital to assets | 15.5030% | 635 |
| Core capital (leverage) ratio | 14.8061% | 620 |
| Tier 1 risk-based capital ratio | 32.2132% | 445 |
| Total risk-based capital ratio | 33.1904% | 449 |
| Memoranda: | ||
| Average total assets | $120,590,000 | 4,386 |
| Average earning assets | $115,253,000 | 4,261 |
| Average equity | $18,933,000 | 3,387 |
| Average total loans | $43,981,000 | 5,298 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 5,370 |
| Cost of funding earning assets | 0.8191% | 2,516 |
| Net interest margin | 3.1634% | 5,661 |
| Noninterest income to average assets | 0.2545% | 5,642 |
| Noninterest expense to average assets | 1.9829% | 6,363 |
| Loan and lease loss provision to assets | 0.2157% | 2,976 |
| Net operating income to assets | 1.0146% | 2,276 |
| Return on assets (ROA) | 1.6015% | 840 |
| Pretax return on assets | 1.6895% | 1,159 |
| Return on Equity (ROE) | 9.9827% | 2,173 |
| Retained earnings to average equity (ytd only) | 5.5023% | 2,383 |
| Net charge-offs to loans | 0.0232% | 5,577 |
| Credit loss provision to net charge-offs | 2,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 149.2000% | 284 |
| Efficiency ratio | 60.6332% | 5,440 |
| Assets per employee ($millions) | 4.5542% | 2,873 |
| Cash dividends to net income (ytd only)* | 44.8815% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 5,068 |
| Loan loss allowance to noncurrent loans | 27.6093% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 2.2397% | 2,190 |
| Noncurrent loans to loans | 4.3859% | 990 |
| Net loans and leases to total assets | 36.9986% | 6,372 |
| Net loans and leases to deposits | 46.9742% | 6,177 |
| Net loans and leases to core deposits | 48.9279% | 6,215 |
| Total domestic deposits to total assets | 78.7636% | 5,943 |
| Equity capital to assets | 15.9049% | 570 |
| Core capital (leverage) ratio | 14.6692% | 635 |
| Tier 1 risk-based capital ratio | 30.6401% | 488 |
| Total risk-based capital ratio | 31.5881% | 497 |
| Memoranda: | ||
| Average total assets | $115,893,400 | 4,440 |
| Average earning assets | $110,482,600 | 4,327 |
| Average equity | $18,592,200 | 3,386 |
| Average total loans | $43,164,800 | 5,367 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 5,544 |
| Cost of funding earning assets | 0.8389% | 2,637 |
| Net interest margin | 3.1512% | 5,820 |
| Noninterest income to average assets | 0.2001% | 6,098 |
| Noninterest expense to average assets | 1.8334% | 6,640 |
| Loan and lease loss provision to assets | 0.2024% | 3,059 |
| Net operating income to assets | 1.1023% | 2,079 |
| Return on assets (ROA) | 1.6946% | 765 |
| Pretax return on assets | 1.7814% | 1,092 |
| Return on Equity (ROE) | 10.5400% | 2,120 |
| Retained earnings to average equity (ytd only) | 6.5615% | 2,352 |
| Net charge-offs to loans | 0.0311% | 5,211 |
| Credit loss provision to net charge-offs | 1,750.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 117.6264% | 364 |
| Efficiency ratio | 57.4067% | 5,869 |
| Assets per employee ($millions) | 4.7013% | 2,600 |
| Cash dividends to net income (ytd only)* | 37.7473% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 5,868 |
| Loan loss allowance to noncurrent loans | 21.1248% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 2.4887% | 2,128 |
| Noncurrent loans to loans | 4.9974% | 904 |
| Net loans and leases to total assets | 36.8419% | 6,493 |
| Net loans and leases to deposits | 46.3916% | 6,357 |
| Net loans and leases to core deposits | 47.9848% | 6,409 |
| Total domestic deposits to total assets | 79.4150% | 5,777 |
| Equity capital to assets | 16.2773% | 561 |
| Core capital (leverage) ratio | 14.6928% | 670 |
| Tier 1 risk-based capital ratio | 30.4487% | 507 |
| Total risk-based capital ratio | 31.2645% | 523 |
| Memoranda: | ||
| Average total assets | $115,264,250 | 4,499 |
| Average earning assets | $109,500,250 | 4,398 |
| Average equity | $18,532,000 | 3,431 |
| Average total loans | $42,869,250 | 5,452 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 5,839 |
| Cost of funding earning assets | 0.8468% | 2,822 |
| Net interest margin | 3.0818% | 6,057 |
| Noninterest income to average assets | 0.2061% | 6,086 |
| Noninterest expense to average assets | 1.8357% | 6,711 |
| Loan and lease loss provision to assets | 0.1747% | 3,356 |
| Net operating income to assets | 1.0845% | 2,108 |
| Return on assets (ROA) | 1.7938% | 641 |
| Pretax return on assets | 1.8776% | 888 |
| Return on Equity (ROE) | 11.2042% | 1,917 |
| Retained earnings to average equity (ytd only) | 7.4622% | 1,893 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2917% | 5,833 |
| Assets per employee ($millions) | 4.7307% | 2,529 |
| Cash dividends to net income (ytd only)* | 33.3982% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 6,445 |
| Loan loss allowance to noncurrent loans | 15.9775% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 2.7303% | 2,017 |
| Noncurrent loans to loans | 5.6490% | 813 |
| Net loans and leases to total assets | 36.9486% | 6,551 |
| Net loans and leases to deposits | 45.2164% | 6,493 |
| Net loans and leases to core deposits | 46.9009% | 6,522 |
| Total domestic deposits to total assets | 81.7151% | 5,230 |
| Equity capital to assets | 15.9292% | 598 |
| Core capital (leverage) ratio | 14.5103% | 692 |
| Tier 1 risk-based capital ratio | 31.2027% | 472 |
| Total risk-based capital ratio | 31.9324% | 482 |
| Memoranda: | ||
| Average total assets | $114,508,330 | 4,547 |
| Average earning assets | $109,351,000 | 4,425 |
| Average equity | $18,332,330 | 3,450 |
| Average total loans | $42,571,330 | 5,489 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9275% | 5,955 |
| Cost of funding earning assets | 0.8612% | 2,985 |
| Net interest margin | 3.0663% | 6,137 |
| Noninterest income to average assets | 0.3516% | 5,048 |
| Noninterest expense to average assets | 1.8574% | 6,723 |
| Loan and lease loss provision to assets | 0.0888% | 4,252 |
| Net operating income to assets | 1.2716% | 1,533 |
| Return on assets (ROA) | 1.5449% | 1,065 |
| Pretax return on assets | 1.6266% | 1,484 |
| Return on Equity (ROE) | 9.6244% | 2,552 |
| Retained earnings to average equity (ytd only) | 9.6244% | 1,375 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5405% | 6,071 |
| Assets per employee ($millions) | 4.5420% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 6,803 |
| Loan loss allowance to noncurrent loans | 13.7431% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 2.6481% | 2,234 |
| Noncurrent loans to loans | 5.5389% | 961 |
| Net loans and leases to total assets | 36.9693% | 6,558 |
| Net loans and leases to deposits | 45.4048% | 6,471 |
| Net loans and leases to core deposits | 47.3307% | 6,494 |
| Total domestic deposits to total assets | 81.4216% | 5,490 |
| Equity capital to assets | 16.1839% | 544 |
| Core capital (leverage) ratio | 14.9752% | 601 |
| Tier 1 risk-based capital ratio | 31.2696% | 476 |
| Total risk-based capital ratio | 31.8701% | 490 |
| Memoranda: | ||
| Average total assets | $112,629,000 | 4,634 |
| Average earning assets | $107,753,000 | 4,494 |
| Average equity | $18,079,000 | 3,491 |
| Average total loans | $41,809,000 | 5,555 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 4,885 |
| Cost of funding earning assets | 1.0306% | 3,159 |
| Net interest margin | 3.5165% | 5,087 |
| Noninterest income to average assets | 0.4016% | 4,598 |
| Noninterest expense to average assets | 2.2115% | 6,245 |
| Loan and lease loss provision to assets | 0.0532% | 5,925 |
| Net operating income to assets | 1.3725% | 1,077 |
| Return on assets (ROA) | 2.0712% | 292 |
| Pretax return on assets | 2.2057% | 367 |
| Return on Equity (ROE) | 13.1983% | 1,126 |
| Retained earnings to average equity (ytd only) | 8.0608% | 1,057 |
| Net charge-offs to loans | 0.2209% | 4,405 |
| Credit loss provision to net charge-offs | 61.7978% | 5,123 |
| Earnings coverage of net charge-offs (x) | 17.5955% | 1,262 |
| Efficiency ratio | 59.3352% | 5,854 |
| Assets per employee ($millions) | 4.4683% | 2,966 |
| Cash dividends to net income (ytd only)* | 38.9252% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7188% | 6,881 |
| Loan loss allowance to noncurrent loans | 9.7730% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 3.4295% | 1,727 |
| Noncurrent loans to loans | 7.3553% | 588 |
| Net loans and leases to total assets | 36.7211% | 6,723 |
| Net loans and leases to deposits | 44.9687% | 6,672 |
| Net loans and leases to core deposits | 46.8800% | 6,694 |
| Total domestic deposits to total assets | 81.6592% | 5,250 |
| Equity capital to assets | 15.9175% | 588 |
| Core capital (leverage) ratio | 15.1310% | 583 |
| Tier 1 risk-based capital ratio | 31.1876% | 464 |
| Total risk-based capital ratio | 31.7547% | 485 |
| Memoranda: | ||
| Average total assets | $103,324,000 | 4,808 |
| Average earning assets | $97,711,800 | 4,695 |
| Average equity | $16,214,200 | 3,686 |
| Average total loans | $40,288,000 | 5,680 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 4,882 |
| Cost of funding earning assets | 1.0783% | 3,120 |
| Net interest margin | 3.5169% | 5,118 |
| Noninterest income to average assets | 0.3675% | 4,931 |
| Noninterest expense to average assets | 2.0679% | 6,555 |
| Loan and lease loss provision to assets | 0.0724% | 5,547 |
| Net operating income to assets | 1.4283% | 1,103 |
| Return on assets (ROA) | 2.0310% | 347 |
| Pretax return on assets | 2.1917% | 432 |
| Return on Equity (ROE) | 12.9938% | 1,278 |
| Retained earnings to average equity (ytd only) | 8.3339% | 1,375 |
| Net charge-offs to loans | 0.2964% | 3,609 |
| Credit loss provision to net charge-offs | 61.7978% | 4,752 |
| Earnings coverage of net charge-offs (x) | 13.7870% | 1,590 |
| Efficiency ratio | 56.1316% | 6,266 |
| Assets per employee ($millions) | 4.1280% | 3,586 |
| Cash dividends to net income (ytd only)* | 35.8623% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6921% | 6,974 |
| Loan loss allowance to noncurrent loans | 11.3497% | 6,877 |
| Noncurrent assets plus other real estate owned to assets | 3.2107% | 1,985 |
| Noncurrent loans to loans | 6.0983% | 905 |
| Net loans and leases to total assets | 39.5707% | 6,669 |
| Net loans and leases to deposits | 50.5126% | 6,474 |
| Net loans and leases to core deposits | 52.1450% | 6,555 |
| Total domestic deposits to total assets | 78.3382% | 6,125 |
| Equity capital to assets | 16.5066% | 541 |
| Core capital (leverage) ratio | 15.4139% | 590 |
| Tier 1 risk-based capital ratio | 29.9725% | 539 |
| Total risk-based capital ratio | 30.5265% | 570 |
| Memoranda: | ||
| Average total assets | $101,228,250 | 4,887 |
| Average earning assets | $95,460,750 | 4,804 |
| Average equity | $15,822,500 | 3,770 |
| Average total loans | $40,030,750 | 5,744 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 4,821 |
| Cost of funding earning assets | 1.0822% | 3,375 |
| Net interest margin | 3.5528% | 4,910 |
| Noninterest income to average assets | 0.3710% | 4,899 |
| Noninterest expense to average assets | 2.1614% | 6,478 |
| Loan and lease loss provision to assets | 0.1109% | 4,909 |
| Net operating income to assets | 1.3929% | 1,097 |
| Return on assets (ROA) | 1.7702% | 572 |
| Pretax return on assets | 1.8650% | 764 |
| Return on Equity (ROE) | 11.5592% | 1,618 |
| Retained earnings to average equity (ytd only) | 7.0435% | 1,859 |
| Net charge-offs to loans | 0.4601% | 2,739 |
| Credit loss provision to net charge-offs | 61.1111% | 4,311 |
| Earnings coverage of net charge-offs (x) | 8.7000% | 2,015 |
| Efficiency ratio | 57.7898% | 6,191 |
| Assets per employee ($millions) | 4.3086% | 3,152 |
| Cash dividends to net income (ytd only)* | 39.0661% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 6,966 |
| Loan loss allowance to noncurrent loans | 11.1153% | 6,930 |
| Noncurrent assets plus other real estate owned to assets | 3.4098% | 1,936 |
| Noncurrent loans to loans | 6.6690% | 813 |
| Net loans and leases to total assets | 38.3291% | 6,843 |
| Net loans and leases to deposits | 46.9787% | 6,782 |
| Net loans and leases to core deposits | 48.7881% | 6,817 |
| Total domestic deposits to total assets | 81.5883% | 5,323 |
| Equity capital to assets | 15.7746% | 643 |
| Core capital (leverage) ratio | 15.1780% | 636 |
| Tier 1 risk-based capital ratio | 30.5403% | 511 |
| Total risk-based capital ratio | 31.1213% | 526 |
| Memoranda: | ||
| Average total assets | $99,195,330 | 4,984 |
| Average earning assets | $94,067,330 | 4,881 |
| Average equity | $15,191,330 | 3,875 |
| Average total loans | $39,119,000 | 5,837 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6904% | 4,563 |
| Cost of funding earning assets | 1.1054% | 3,483 |
| Net interest margin | 3.5850% | 4,636 |
| Noninterest income to average assets | 0.3461% | 5,142 |
| Noninterest expense to average assets | 2.3154% | 6,150 |
| Loan and lease loss provision to assets | 0.2266% | 3,393 |
| Net operating income to assets | 1.1422% | 1,694 |
| Return on assets (ROA) | 1.6315% | 684 |
| Pretax return on assets | 1.7262% | 937 |
| Return on Equity (ROE) | 10.8263% | 1,798 |
| Retained earnings to average equity (ytd only) | 10.8263% | 933 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6905% | 5,725 |
| Assets per employee ($millions) | 4.9079% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 6,440 |
| Loan loss allowance to noncurrent loans | 14.5113% | 6,932 |
| Noncurrent assets plus other real estate owned to assets | 3.6452% | 1,861 |
| Noncurrent loans to loans | 6.8114% | 834 |
| Net loans and leases to total assets | 39.3920% | 6,820 |
| Net loans and leases to deposits | 48.0490% | 6,752 |
| Net loans and leases to core deposits | 50.0058% | 6,773 |
| Total domestic deposits to total assets | 81.9829% | 5,324 |
| Equity capital to assets | 15.3061% | 704 |
| Core capital (leverage) ratio | 15.6308% | 560 |
| Tier 1 risk-based capital ratio | 30.9547% | 481 |
| Total risk-based capital ratio | 31.7295% | 495 |
| Memoranda: | ||
| Average total assets | $97,089,500 | 5,081 |
| Average earning assets | $92,274,000 | 4,961 |
| Average equity | $14,631,000 | 3,967 |
| Average total loans | $38,713,000 | 5,904 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 5,408 |
| Cost of funding earning assets | 1.2133% | 4,471 |
| Net interest margin | 3.5863% | 4,881 |
| Noninterest income to average assets | 0.3641% | 5,197 |
| Noninterest expense to average assets | 2.0916% | 6,869 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5945% | 624 |
| Return on assets (ROA) | 2.1143% | 239 |
| Pretax return on assets | 2.2071% | 316 |
| Return on Equity (ROE) | 13.5406% | 977 |
| Retained earnings to average equity (ytd only) | 7.2987% | 1,203 |
| Net charge-offs to loans | 0.0181% | 6,637 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 230.7143% | 104 |
| Efficiency ratio | 55.6684% | 6,636 |
| Assets per employee ($millions) | 4.8011% | 2,414 |
| Cash dividends to net income (ytd only)* | 46.0976% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 6,831 |
| Loan loss allowance to noncurrent loans | 12.1145% | 7,058 |
| Noncurrent assets plus other real estate owned to assets | 3.7189% | 1,849 |
| Noncurrent loans to loans | 7.0986% | 787 |
| Net loans and leases to total assets | 39.6201% | 6,985 |
| Net loans and leases to deposits | 48.0517% | 6,950 |
| Net loans and leases to core deposits | 49.9344% | 6,979 |
| Total domestic deposits to total assets | 82.4530% | 5,037 |
| Equity capital to assets | 14.8279% | 831 |
| Core capital (leverage) ratio | 15.4546% | 592 |
| Tier 1 risk-based capital ratio | 30.0242% | 506 |
| Total risk-based capital ratio | 30.6836% | 517 |
| Memoranda: | ||
| Average total assets | $96,960,600 | 5,077 |
| Average earning assets | $91,736,800 | 4,953 |
| Average equity | $15,139,600 | 3,918 |
| Average total loans | $38,711,200 | 5,980 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 5,196 |
| Cost of funding earning assets | 1.2321% | 4,674 |
| Net interest margin | 3.6833% | 4,495 |
| Noninterest income to average assets | 0.3375% | 5,461 |
| Noninterest expense to average assets | 1.8450% | 7,274 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.9014% | 402 |
| Return on assets (ROA) | 2.2662% | 222 |
| Pretax return on assets | 2.3581% | 295 |
| Return on Equity (ROE) | 14.3352% | 965 |
| Retained earnings to average equity (ytd only) | 8.2610% | 1,325 |
| Net charge-offs to loans | 0.0894% | 5,631 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 55.4549% | 525 |
| Efficiency ratio | 48.2598% | 7,257 |
| Assets per employee ($millions) | 4.6331% | 2,704 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 7,005 |
| Loan loss allowance to noncurrent loans | 11.0050% | 7,167 |
| Noncurrent assets plus other real estate owned to assets | 3.9908% | 1,753 |
| Noncurrent loans to loans | 7.2741% | 751 |
| Net loans and leases to total assets | 41.5909% | 7,002 |
| Net loans and leases to deposits | 52.2939% | 6,878 |
| Net loans and leases to core deposits | 53.2594% | 6,996 |
| Total domestic deposits to total assets | 79.5331% | 5,854 |
| Equity capital to assets | 17.5315% | 456 |
| Core capital (leverage) ratio | 15.5063% | 635 |
| Tier 1 risk-based capital ratio | 29.7412% | 527 |
| Total risk-based capital ratio | 30.3631% | 549 |
| Memoranda: | ||
| Average total assets | $97,195,250 | 5,132 |
| Average earning assets | $91,979,750 | 5,009 |
| Average equity | $15,365,000 | 3,924 |
| Average total loans | $38,795,500 | 6,051 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 4,833 |
| Cost of funding earning assets | 1.2435% | 4,875 |
| Net interest margin | 3.7797% | 3,992 |
| Noninterest income to average assets | 0.3222% | 5,582 |
| Noninterest expense to average assets | 1.7669% | 7,432 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.0606% | 301 |
| Return on assets (ROA) | 2.2531% | 231 |
| Pretax return on assets | 2.3403% | 310 |
| Return on Equity (ROE) | 14.7562% | 898 |
| Retained earnings to average equity (ytd only) | 8.7183% | 1,197 |
| Net charge-offs to loans | 0.1650% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 851 |
| Efficiency ratio | 45.2282% | 7,471 |
| Assets per employee ($millions) | 4.7956% | 2,454 |
| Cash dividends to net income (ytd only)* | 40.9173% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7899% | 7,056 |
| Loan loss allowance to noncurrent loans | 11.1804% | 7,233 |
| Noncurrent assets plus other real estate owned to assets | 3.7076% | 1,887 |
| Noncurrent loans to loans | 7.0648% | 801 |
| Net loans and leases to total assets | 39.9418% | 7,168 |
| Net loans and leases to deposits | 49.7306% | 7,082 |
| Net loans and leases to core deposits | 52.4049% | 7,117 |
| Total domestic deposits to total assets | 80.3163% | 5,623 |
| Equity capital to assets | 16.8206% | 558 |
| Core capital (leverage) ratio | 14.9757% | 723 |
| Tier 1 risk-based capital ratio | 29.5734% | 537 |
| Total risk-based capital ratio | 30.1921% | 564 |
| Memoranda: | ||
| Average total assets | $98,706,330 | 5,119 |
| Average earning assets | $93,606,000 | 4,997 |
| Average equity | $15,071,670 | 3,985 |
| Average total loans | $38,777,330 | 6,102 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 6,695 |
| Cost of funding earning assets | 1.2867% | 4,894 |
| Net interest margin | 3.2568% | 6,112 |
| Noninterest income to average assets | 0.3157% | 5,627 |
| Noninterest expense to average assets | 1.6143% | 7,646 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7247% | 583 |
| Return on assets (ROA) | 1.8061% | 537 |
| Pretax return on assets | 1.8701% | 774 |
| Return on Equity (ROE) | 12.4338% | 1,383 |
| Retained earnings to average equity (ytd only) | 12.4338% | 691 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4736% | 7,478 |
| Assets per employee ($millions) | 4.9250% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 6,921 |
| Loan loss allowance to noncurrent loans | 15.1529% | 7,197 |
| Noncurrent assets plus other real estate owned to assets | 3.3147% | 2,162 |
| Noncurrent loans to loans | 5.7511% | 1,179 |
| Net loans and leases to total assets | 38.9178% | 7,310 |
| Net loans and leases to deposits | 48.2832% | 7,221 |
| Net loans and leases to core deposits | 50.5639% | 7,263 |
| Total domestic deposits to total assets | 80.6030% | 5,585 |
| Equity capital to assets | 15.4020% | 784 |
| Core capital (leverage) ratio | 15.1373% | 725 |
| Tier 1 risk-based capital ratio | 28.0369% | 638 |
| Total risk-based capital ratio | 28.6943% | 663 |
| Memoranda: | ||
| Average total assets | $100,103,500 | 5,143 |
| Average earning assets | $94,816,500 | 5,018 |
| Average equity | $14,541,000 | 4,110 |
| Average total loans | $38,859,000 | 6,171 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 6,826 |
| Cost of funding earning assets | 1.6102% | 4,985 |
| Net interest margin | 3.2443% | 5,945 |
| Noninterest income to average assets | 0.3601% | 5,510 |
| Noninterest expense to average assets | 2.0534% | 7,278 |
| Loan and lease loss provision to assets | 0.0519% | 7,045 |
| Net operating income to assets | 1.2619% | 1,109 |
| Return on assets (ROA) | 1.3883% | 926 |
| Pretax return on assets | 1.4869% | 1,216 |
| Return on Equity (ROE) | 9.7366% | 1,768 |
| Retained earnings to average equity (ytd only) | 3.6239% | 2,647 |
| Net charge-offs to loans | 0.0234% | 6,909 |
| Credit loss provision to net charge-offs | 555.5556% | 540 |
| Earnings coverage of net charge-offs (x) | 150.2222% | 195 |
| Efficiency ratio | 59.4116% | 6,571 |
| Assets per employee ($millions) | 5.0854% | 2,102 |
| Cash dividends to net income (ytd only)* | 62.7803% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 6,947 |
| Loan loss allowance to noncurrent loans | 14.8393% | 7,269 |
| Noncurrent assets plus other real estate owned to assets | 3.2564% | 2,108 |
| Noncurrent loans to loans | 5.8161% | 1,086 |
| Net loans and leases to total assets | 38.0603% | 7,446 |
| Net loans and leases to deposits | 45.4508% | 7,466 |
| Net loans and leases to core deposits | 48.9084% | 7,615 |
| Total domestic deposits to total assets | 83.7396% | 4,159 |
| Equity capital to assets | 13.6775% | 1,260 |
| Core capital (leverage) ratio | 13.2778% | 1,168 |
| Tier 1 risk-based capital ratio | 28.1987% | 627 |
| Total risk-based capital ratio | 28.1987% | 689 |
| Memoranda: | ||
| Average total assets | $96,374,600 | 5,189 |
| Average earning assets | $91,977,800 | 5,059 |
| Average equity | $13,742,000 | 4,328 |
| Average total loans | $38,419,200 | 6,181 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 6,277 |
| Cost of funding earning assets | 1.6491% | 5,168 |
| Net interest margin | 3.4477% | 5,079 |
| Noninterest income to average assets | 0.3311% | 5,839 |
| Noninterest expense to average assets | 1.9051% | 7,539 |
| Loan and lease loss provision to assets | 0.0701% | 6,653 |
| Net operating income to assets | 1.5918% | 674 |
| Return on assets (ROA) | 1.7157% | 575 |
| Pretax return on assets | 1.7844% | 828 |
| Return on Equity (ROE) | 11.9026% | 1,379 |
| Retained earnings to average equity (ytd only) | 5.7713% | 2,067 |
| Net charge-offs to loans | 0.0314% | 6,455 |
| Credit loss provision to net charge-offs | 555.5556% | 699 |
| Earnings coverage of net charge-offs (x) | 136.6633% | 280 |
| Efficiency ratio | 52.4730% | 7,378 |
| Assets per employee ($millions) | 4.9057% | 2,264 |
| Cash dividends to net income (ytd only)* | 51.5126% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 6,778 |
| Loan loss allowance to noncurrent loans | 14.9844% | 7,333 |
| Noncurrent assets plus other real estate owned to assets | 3.0577% | 2,253 |
| Noncurrent loans to loans | 5.9690% | 996 |
| Net loans and leases to total assets | 36.2464% | 7,614 |
| Net loans and leases to deposits | 43.5347% | 7,635 |
| Net loans and leases to core deposits | 46.8320% | 7,752 |
| Total domestic deposits to total assets | 83.2586% | 4,085 |
| Equity capital to assets | 14.0817% | 1,279 |
| Core capital (leverage) ratio | 14.3959% | 981 |
| Tier 1 risk-based capital ratio | 29.6658% | 589 |
| Total risk-based capital ratio | 29.6658% | 641 |
| Memoranda: | ||
| Average total assets | $95,041,500 | 5,269 |
| Average earning assets | $90,957,750 | 5,130 |
| Average equity | $13,699,750 | 4,362 |
| Average total loans | $38,262,250 | 6,236 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1097% | 6,393 |
| Cost of funding earning assets | 1.7161% | 5,194 |
| Net interest margin | 3.3936% | 5,198 |
| Noninterest income to average assets | 0.3247% | 5,918 |
| Noninterest expense to average assets | 1.8813% | 7,648 |
| Loan and lease loss provision to assets | 0.1082% | 6,075 |
| Net operating income to assets | 1.5191% | 805 |
| Return on assets (ROA) | 1.7103% | 602 |
| Pretax return on assets | 1.7796% | 879 |
| Return on Equity (ROE) | 11.7641% | 1,494 |
| Retained earnings to average equity (ytd only) | 6.0310% | 2,005 |
| Net charge-offs to loans | 0.0208% | 6,217 |
| Credit loss provision to net charge-offs | 1,250.0000% | 394 |
| Earnings coverage of net charge-offs (x) | 195.0000% | 213 |
| Efficiency ratio | 52.6986% | 7,462 |
| Assets per employee ($millions) | 4.6350% | 2,548 |
| Cash dividends to net income (ytd only)* | 48.7342% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 6,805 |
| Loan loss allowance to noncurrent loans | 14.1677% | 7,390 |
| Noncurrent assets plus other real estate owned to assets | 3.2342% | 1,937 |
| Noncurrent loans to loans | 6.3030% | 859 |
| Net loans and leases to total assets | 39.1093% | 7,591 |
| Net loans and leases to deposits | 46.8160% | 7,605 |
| Net loans and leases to core deposits | 51.2742% | 7,732 |
| Total domestic deposits to total assets | 83.5383% | 3,995 |
| Equity capital to assets | 13.6939% | 1,422 |
| Core capital (leverage) ratio | 15.3926% | 840 |
| Tier 1 risk-based capital ratio | 29.1701% | 652 |
| Total risk-based capital ratio | 29.8935% | 667 |
| Memoranda: | ||
| Average total assets | $92,382,000 | 5,389 |
| Average earning assets | $88,341,670 | 5,250 |
| Average equity | $13,430,670 | 4,436 |
| Average total loans | $38,457,000 | 6,274 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 6,767 |
| Cost of funding earning assets | 1.8114% | 5,063 |
| Net interest margin | 3.2474% | 5,696 |
| Noninterest income to average assets | 0.3248% | 5,857 |
| Noninterest expense to average assets | 2.2779% | 6,608 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0749% | 2,046 |
| Return on assets (ROA) | 1.4638% | 1,082 |
| Pretax return on assets | 1.5349% | 1,575 |
| Return on Equity (ROE) | 9.7615% | 2,422 |
| Retained earnings to average equity (ytd only) | 9.7615% | 1,263 |
| Net charge-offs to loans | 0.0312% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 84.3333% | 501 |
| Efficiency ratio | 66.9281% | 5,158 |
| Assets per employee ($millions) | 4.2890% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 6,784 |
| Loan loss allowance to noncurrent loans | 68.6000% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.3623% | 3,933 |
| Noncurrent loans to loans | 1.3013% | 4,374 |
| Net loans and leases to total assets | 42.2781% | 7,452 |
| Net loans and leases to deposits | 51.6437% | 7,425 |
| Net loans and leases to core deposits | 57.9527% | 7,529 |
| Total domestic deposits to total assets | 81.8648% | 4,606 |
| Equity capital to assets | 15.1719% | 1,052 |
| Core capital (leverage) ratio | 15.1809% | 929 |
| Tier 1 risk-based capital ratio | 29.4988% | 656 |
| Total risk-based capital ratio | 29.4988% | 721 |
| Memoranda: | ||
| Average total assets | $89,905,500 | 5,487 |
| Average earning assets | $85,238,500 | 5,389 |
| Average equity | $13,481,500 | 4,454 |
| Average total loans | $38,480,500 | 6,308 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1704% | 4,666 |
| Cost of funding earning assets | 2.2190% | 5,515 |
| Net interest margin | 3.9514% | 3,356 |
| Noninterest income to average assets | 0.4170% | 5,327 |
| Noninterest expense to average assets | 2.3261% | 6,624 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7629% | 591 |
| Return on assets (ROA) | 1.8450% | 490 |
| Pretax return on assets | 1.9186% | 735 |
| Return on Equity (ROE) | 11.8915% | 1,628 |
| Retained earnings to average equity (ytd only) | 5.7275% | 1,654 |
| Net charge-offs to loans | -0.0245% | 7,947 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9269% | 7,022 |
| Assets per employee ($millions) | 4.0792% | 3,344 |
| Cash dividends to net income (ytd only)* | 51.8352% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 7,210 |
| Loan loss allowance to noncurrent loans | 73.2673% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 3,734 |
| Noncurrent loans to loans | 1.0483% | 4,477 |
| Net loans and leases to total assets | 42.6139% | 7,550 |
| Net loans and leases to deposits | 54.5083% | 7,405 |
| Net loans and leases to core deposits | 59.0589% | 7,622 |
| Total domestic deposits to total assets | 78.1788% | 5,654 |
| Equity capital to assets | 14.8179% | 1,212 |
| Core capital (leverage) ratio | 15.4427% | 935 |
| Tier 1 risk-based capital ratio | 28.8479% | 705 |
| Total risk-based capital ratio | 29.4894% | 730 |
| Memoranda: | ||
| Average total assets | $84,174,000 | 5,556 |
| Average earning assets | $79,719,000 | 5,441 |
| Average equity | $13,059,800 | 4,555 |
| Average total loans | $36,704,200 | 6,335 |