Home > Community State Bank > Performance and Condition Ratios
Community State 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 | 3.9386% | 4,043 |
| Cost of funding earning assets | 1.0704% | 3,142 |
| Net interest margin | 2.8682% | 3,542 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.6819% | 1,788 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.5932% | 3,455 |
| Return on assets (ROA) | 0.5922% | 3,452 |
| Pretax return on assets | 0.6631% | 3,515 |
| Return on Equity (ROE) | 9.7500% | 2,569 |
| Retained earnings to average equity (ytd only) | 5.7982% | 2,321 |
| Net charge-offs to loans | 0.0396% | 1,519 |
| Credit loss provision to net charge-offs | 161.2903% | 1,399 |
| Earnings coverage of net charge-offs (x) | 37.8710% | 1,477 |
| Efficiency ratio | 79.4468% | 950 |
| Assets per employee ($millions) | 6.0920% | 2,743 |
| Cash dividends to net income (ytd only)* | 40.5190% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 1,090 |
| Loan loss allowance to noncurrent loans | 248.2759% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 1,789 |
| Noncurrent loans to loans | 0.5994% | 1,313 |
| Net loans and leases to total assets | 47.5000% | 3,754 |
| Net loans and leases to deposits | 51.2771% | 3,901 |
| Net loans and leases to core deposits | 54.6076% | 3,958 |
| Total domestic deposits to total assets | 92.6300% | 214 |
| Equity capital to assets | 6.4939% | 4,116 |
| Core capital (leverage) ratio | 10.0079% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9525% | 928 |
| Memoranda: | ||
| Average total assets | $169,206,400 | 3,196 |
| Average earning assets | $156,197,000 | 3,198 |
| Average equity | $10,279,000 | 3,688 |
| Average total loans | $78,377,600 | 3,433 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 4,008 |
| Cost of funding earning assets | 0.9487% | 3,158 |
| Net interest margin | 2.9426% | 3,450 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.6182% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7217% | 3,251 |
| Return on assets (ROA) | 0.7217% | 3,235 |
| Pretax return on assets | 0.8330% | 3,260 |
| Return on Equity (ROE) | 12.0900% | 2,097 |
| Retained earnings to average equity (ytd only) | 9.4050% | 1,573 |
| Net charge-offs to loans | 0.0482% | 1,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 37.6786% | 1,485 |
| Efficiency ratio | 75.8636% | 1,182 |
| Assets per employee ($millions) | 5.6180% | 3,090 |
| Cash dividends to net income (ytd only)* | 22.2101% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,086 |
| Loan loss allowance to noncurrent loans | 250.4255% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.6874% | 832 |
| Noncurrent loans to loans | 0.6026% | 1,338 |
| Net loans and leases to total assets | 47.1500% | 3,778 |
| Net loans and leases to deposits | 50.4158% | 3,917 |
| Net loans and leases to core deposits | 53.7586% | 3,947 |
| Total domestic deposits to total assets | 93.5200% | 242 |
| Equity capital to assets | 5.7733% | 4,061 |
| Core capital (leverage) ratio | 10.0810% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7949% | 842 |
| Memoranda: | ||
| Average total assets | $168,864,000 | 3,208 |
| Average earning assets | $156,002,500 | 3,211 |
| Average equity | $10,079,500 | 3,718 |
| Average total loans | $77,410,000 | 3,449 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 4,034 |
| Cost of funding earning assets | 0.7467% | 3,359 |
| Net interest margin | 3.0423% | 3,333 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.6562% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8511% | 2,921 |
| Return on assets (ROA) | 0.8511% | 2,925 |
| Pretax return on assets | 0.9974% | 2,914 |
| Return on Equity (ROE) | 14.1100% | 1,659 |
| Retained earnings to average equity (ytd only) | 10.1708% | 1,361 |
| Net charge-offs to loans | 0.0596% | 950 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 37.0435% | 1,443 |
| Efficiency ratio | 72.7011% | 1,489 |
| Assets per employee ($millions) | 6.0667% | 2,656 |
| Cash dividends to net income (ytd only)* | 27.9230% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,124 |
| Loan loss allowance to noncurrent loans | 138.5698% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 487 |
| Noncurrent loans to loans | 1.0950% | 653 |
| Net loans and leases to total assets | 45.1600% | 3,836 |
| Net loans and leases to deposits | 48.4019% | 3,974 |
| Net loans and leases to core deposits | 51.0508% | 3,983 |
| Total domestic deposits to total assets | 93.3100% | 207 |
| Equity capital to assets | 6.0718% | 4,124 |
| Core capital (leverage) ratio | 10.3556% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3295% | 909 |
| Memoranda: | ||
| Average total assets | $170,844,667 | 3,209 |
| Average earning assets | $158,037,333 | 3,204 |
| Average equity | $10,304,000 | 3,704 |
| Average total loans | $77,216,333 | 3,459 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 3,823 |
| Cost of funding earning assets | 0.5482% | 3,541 |
| Net interest margin | 3.2712% | 2,947 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.3556% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9362% | 2,733 |
| Return on assets (ROA) | 0.9362% | 2,689 |
| Pretax return on assets | 1.1066% | 2,684 |
| Return on Equity (ROE) | 15.5700% | 1,449 |
| Retained earnings to average equity (ytd only) | 15.5743% | 736 |
| Net charge-offs to loans | -0.0052% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.0378% | 1,967 |
| Assets per employee ($millions) | 6.1587% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 966 |
| Loan loss allowance to noncurrent loans | 4,020.0000% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 1,038 |
| Noncurrent loans to loans | 0.0404% | 3,449 |
| Net loans and leases to total assets | 43.9200% | 3,873 |
| Net loans and leases to deposits | 47.1865% | 3,989 |
| Net loans and leases to core deposits | 48.1735% | 4,044 |
| Total domestic deposits to total assets | 93.0800% | 297 |
| Equity capital to assets | 6.3686% | 4,070 |
| Core capital (leverage) ratio | 9.8672% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0669% | 838 |
| Memoranda: | ||
| Average total assets | $171,333,000 | 3,250 |
| Average earning assets | $158,350,000 | 3,246 |
| Average equity | $10,299,000 | 3,745 |
| Average total loans | $76,876,000 | 3,502 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3164% | 3,547 |
| Cost of funding earning assets | 0.2724% | 3,130 |
| Net interest margin | 3.0440% | 3,324 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.5092% | 2,085 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6676% | 3,711 |
| Return on assets (ROA) | 0.6676% | 3,664 |
| Pretax return on assets | 0.7720% | 3,693 |
| Return on Equity (ROE) | 10.0900% | 2,778 |
| Retained earnings to average equity (ytd only) | 7.5354% | 2,011 |
| Net charge-offs to loans | 0.0114% | 1,956 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 148.8889% | 791 |
| Efficiency ratio | 76.3502% | 976 |
| Assets per employee ($millions) | 6.0821% | 2,697 |
| Cash dividends to net income (ytd only)* | 25.2824% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 1,160 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 1,120 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 44.4000% | 3,873 |
| Net loans and leases to deposits | 47.3295% | 3,999 |
| Net loans and leases to core deposits | 47.8515% | 4,064 |
| Total domestic deposits to total assets | 93.8100% | 263 |
| Equity capital to assets | 5.6741% | 4,189 |
| Core capital (leverage) ratio | 9.5028% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4879% | 1,053 |
| Memoranda: | ||
| Average total assets | $172,408,800 | 3,251 |
| Average earning assets | $159,692,600 | 3,249 |
| Average equity | $11,412,800 | 3,723 |
| Average total loans | $78,841,600 | 3,428 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1739% | 3,496 |
| Cost of funding earning assets | 0.2355% | 2,865 |
| Net interest margin | 2.9384% | 3,384 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.4587% | 2,134 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6293% | 3,751 |
| Return on assets (ROA) | 0.6293% | 3,704 |
| Pretax return on assets | 0.7257% | 3,752 |
| Return on Equity (ROE) | 9.1700% | 2,981 |
| Retained earnings to average equity (ytd only) | 7.5369% | 2,176 |
| Net charge-offs to loans | 0.0136% | 1,616 |
| Credit loss provision to net charge-offs | 112.5000% | 1,255 |
| Earnings coverage of net charge-offs (x) | 117.7500% | 858 |
| Efficiency ratio | 77.0412% | 997 |
| Assets per employee ($millions) | 6.1023% | 2,672 |
| Cash dividends to net income (ytd only)* | 17.7998% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 1,225 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 1,156 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 45.4300% | 3,793 |
| Net loans and leases to deposits | 48.2959% | 3,943 |
| Net loans and leases to core deposits | 48.9109% | 4,003 |
| Total domestic deposits to total assets | 94.0700% | 346 |
| Equity capital to assets | 5.3610% | 4,171 |
| Core capital (leverage) ratio | 9.3335% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5768% | 1,071 |
| Memoranda: | ||
| Average total assets | $171,415,750 | 3,287 |
| Average earning assets | $159,085,250 | 3,275 |
| Average equity | $11,764,000 | 3,739 |
| Average total loans | $78,673,250 | 3,443 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9954% | 3,570 |
| Cost of funding earning assets | 0.2317% | 2,481 |
| Net interest margin | 2.7637% | 3,541 |
| Noninterest income to average assets | 0.4441% | 2,485 |
| Noninterest expense to average assets | 2.3800% | 2,296 |
| Loan and lease loss provision to assets | 0.0105% | 2,399 |
| Net operating income to assets | 0.5548% | 3,752 |
| Return on assets (ROA) | 0.5548% | 3,702 |
| Pretax return on assets | 0.6259% | 3,765 |
| Return on Equity (ROE) | 7.5364% | 3,156 |
| Retained earnings to average equity (ytd only) | 5.2565% | 2,608 |
| Net charge-offs to loans | 0.0127% | 1,537 |
| Credit loss provision to net charge-offs | 180.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 109.2000% | 777 |
| Efficiency ratio | 78.9026% | 1,025 |
| Assets per employee ($millions) | 5.9318% | 2,804 |
| Cash dividends to net income (ytd only)* | 30.2521% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 1,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 1,216 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 44.8248% | 3,765 |
| Net loans and leases to deposits | 47.7698% | 3,926 |
| Net loans and leases to core deposits | 48.3858% | 4,010 |
| Total domestic deposits to total assets | 93.8351% | 313 |
| Equity capital to assets | 5.6620% | 4,316 |
| Core capital (leverage) ratio | 9.1333% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4260% | 1,093 |
| Memoranda: | ||
| Average total assets | $171,599,667 | 3,320 |
| Average earning assets | $159,712,333 | 3,314 |
| Average equity | $12,632,000 | 3,718 |
| Average total loans | $78,620,667 | 3,471 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8838% | 3,573 |
| Cost of funding earning assets | 0.2299% | 2,399 |
| Net interest margin | 2.6539% | 3,515 |
| Noninterest income to average assets | 0.4411% | 2,439 |
| Noninterest expense to average assets | 2.3456% | 2,355 |
| Loan and lease loss provision to assets | 0.0210% | 1,978 |
| Net operating income to assets | 0.4971% | 3,721 |
| Return on assets (ROA) | 0.4971% | 3,687 |
| Pretax return on assets | 0.5531% | 3,742 |
| Return on Equity (ROE) | 6.0520% | 3,334 |
| Retained earnings to average equity (ytd only) | 6.0520% | 2,235 |
| Net charge-offs to loans | 0.0051% | 1,576 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 246.0000% | 371 |
| Efficiency ratio | 80.3357% | 1,124 |
| Assets per employee ($millions) | 6.3176% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 1,354 |
| Loan loss allowance to noncurrent loans | 30,350.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 1,290 |
| Noncurrent loans to loans | 0.0052% | 3,999 |
| Net loans and leases to total assets | 44.6795% | 3,689 |
| Net loans and leases to deposits | 48.5405% | 3,838 |
| Net loans and leases to core deposits | 49.1836% | 3,912 |
| Total domestic deposits to total assets | 92.0457% | 559 |
| Equity capital to assets | 7.4735% | 3,948 |
| Core capital (leverage) ratio | 9.1062% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7950% | 1,083 |
| Memoranda: | ||
| Average total assets | $171,388,000 | 3,332 |
| Average earning assets | $160,064,000 | 3,328 |
| Average equity | $14,078,000 | 3,649 |
| Average total loans | $78,771,500 | 3,475 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3578% | 3,031 |
| Cost of funding earning assets | 0.2607% | 2,801 |
| Net interest margin | 3.0971% | 2,911 |
| Noninterest income to average assets | 0.5072% | 2,528 |
| Noninterest expense to average assets | 2.6030% | 1,861 |
| Loan and lease loss provision to assets | 0.0867% | 1,421 |
| Net operating income to assets | 0.6096% | 3,851 |
| Return on assets (ROA) | 0.6144% | 3,886 |
| Pretax return on assets | 0.7147% | 3,903 |
| Return on Equity (ROE) | 6.3786% | 3,679 |
| Retained earnings to average equity (ytd only) | 4.2953% | 3,092 |
| Net charge-offs to loans | 0.2982% | 293 |
| Credit loss provision to net charge-offs | 57.6132% | 2,084 |
| Earnings coverage of net charge-offs (x) | 5.2881% | 2,455 |
| Efficiency ratio | 76.5853% | 1,059 |
| Assets per employee ($millions) | 6.1500% | 2,611 |
| Cash dividends to net income (ytd only)* | 32.6613% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 1,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 1,417 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 45.8249% | 3,708 |
| Net loans and leases to deposits | 50.5982% | 3,845 |
| Net loans and leases to core deposits | 51.2722% | 3,947 |
| Total domestic deposits to total assets | 90.5663% | 683 |
| Equity capital to assets | 8.9477% | 3,676 |
| Core capital (leverage) ratio | 8.8967% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4932% | 1,165 |
| Memoranda: | ||
| Average total assets | $161,468,000 | 3,383 |
| Average earning assets | $150,755,200 | 3,373 |
| Average equity | $15,552,000 | 3,579 |
| Average total loans | $81,492,400 | 3,449 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4850% | 2,878 |
| Cost of funding earning assets | 0.2709% | 2,884 |
| Net interest margin | 3.2141% | 2,686 |
| Noninterest income to average assets | 0.5248% | 2,519 |
| Noninterest expense to average assets | 2.5703% | 1,927 |
| Loan and lease loss provision to assets | 0.1178% | 1,012 |
| Net operating income to assets | 0.7024% | 3,760 |
| Return on assets (ROA) | 0.7087% | 3,813 |
| Pretax return on assets | 0.8430% | 3,810 |
| Return on Equity (ROE) | 7.2190% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.9874% | 2,823 |
| Net charge-offs to loans | 0.4187% | 181 |
| Credit loss provision to net charge-offs | 54.4747% | 1,833 |
| Earnings coverage of net charge-offs (x) | 4.4163% | 2,269 |
| Efficiency ratio | 72.9504% | 1,316 |
| Assets per employee ($millions) | 5.6263% | 3,066 |
| Cash dividends to net income (ytd only)* | 17.0616% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 1,750 |
| Loan loss allowance to noncurrent loans | 59,600.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 1,553 |
| Noncurrent loans to loans | 0.0025% | 4,204 |
| Net loans and leases to total assets | 48.9725% | 3,530 |
| Net loans and leases to deposits | 54.6639% | 3,678 |
| Net loans and leases to core deposits | 55.4215% | 3,818 |
| Total domestic deposits to total assets | 89.5883% | 971 |
| Equity capital to assets | 9.7540% | 3,147 |
| Core capital (leverage) ratio | 9.2990% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8257% | 1,170 |
| Memoranda: | ||
| Average total assets | $158,784,750 | 3,442 |
| Average earning assets | $148,136,250 | 3,433 |
| Average equity | $15,588,000 | 3,619 |
| Average total loans | $81,836,250 | 3,489 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4628% | 2,998 |
| Cost of funding earning assets | 0.2844% | 2,929 |
| Net interest margin | 3.1785% | 2,815 |
| Noninterest income to average assets | 0.5416% | 2,440 |
| Noninterest expense to average assets | 2.5336% | 2,040 |
| Loan and lease loss provision to assets | 0.1780% | 646 |
| Net operating income to assets | 0.6739% | 3,822 |
| Return on assets (ROA) | 0.6814% | 3,870 |
| Pretax return on assets | 0.8085% | 3,852 |
| Return on Equity (ROE) | 6.9255% | 3,675 |
| Retained earnings to average equity (ytd only) | 5.0649% | 3,160 |
| Net charge-offs to loans | 0.8089% | 101 |
| Credit loss provision to net charge-offs | 42.1687% | 1,650 |
| Earnings coverage of net charge-offs (x) | 2.3163% | 2,129 |
| Efficiency ratio | 72.1579% | 1,422 |
| Assets per employee ($millions) | 5.4207% | 3,223 |
| Cash dividends to net income (ytd only)* | 26.8657% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 2,117 |
| Loan loss allowance to noncurrent loans | 1,528.7671% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 1,549 |
| Noncurrent loans to loans | 0.0895% | 3,733 |
| Net loans and leases to total assets | 49.4961% | 3,607 |
| Net loans and leases to deposits | 55.0656% | 3,788 |
| Net loans and leases to core deposits | 55.8275% | 3,900 |
| Total domestic deposits to total assets | 89.8857% | 834 |
| Equity capital to assets | 9.5363% | 3,301 |
| Core capital (leverage) ratio | 9.1125% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7067% | 1,190 |
| Memoranda: | ||
| Average total assets | $157,325,333 | 3,456 |
| Average earning assets | $146,989,000 | 3,451 |
| Average equity | $15,479,000 | 3,633 |
| Average total loans | $82,082,667 | 3,514 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1781% | 3,724 |
| Cost of funding earning assets | 0.2887% | 3,113 |
| Net interest margin | 2.8894% | 3,552 |
| Noninterest income to average assets | 0.4189% | 2,992 |
| Noninterest expense to average assets | 2.4878% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5431% | 4,089 |
| Return on assets (ROA) | 0.5431% | 4,130 |
| Pretax return on assets | 0.6232% | 4,160 |
| Return on Equity (ROE) | 5.4318% | 4,000 |
| Retained earnings to average equity (ytd only) | 5.4318% | 3,085 |
| Net charge-offs to loans | -0.0049% | 3,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9667% | 823 |
| Assets per employee ($millions) | 5.4550% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 1,317 |
| Loan loss allowance to noncurrent loans | 81.0025% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.5272% | 408 |
| Noncurrent loans to loans | 1.9656% | 556 |
| Net loans and leases to total assets | 51.1423% | 3,528 |
| Net loans and leases to deposits | 57.0040% | 3,718 |
| Net loans and leases to core deposits | 57.7107% | 3,855 |
| Total domestic deposits to total assets | 89.7171% | 954 |
| Equity capital to assets | 9.6995% | 2,998 |
| Core capital (leverage) ratio | 9.6150% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6702% | 1,130 |
| Memoranda: | ||
| Average total assets | $154,677,500 | 3,483 |
| Average earning assets | $144,112,000 | 3,473 |
| Average equity | $15,464,500 | 3,643 |
| Average total loans | $82,320,500 | 3,519 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 2,663 |
| Cost of funding earning assets | 0.4587% | 3,228 |
| Net interest margin | 3.5615% | 2,272 |
| Noninterest income to average assets | 0.5286% | 2,513 |
| Noninterest expense to average assets | 3.0661% | 1,297 |
| Loan and lease loss provision to assets | 0.0058% | 4,280 |
| Net operating income to assets | 0.6110% | 3,710 |
| Return on assets (ROA) | 0.7391% | 3,425 |
| Pretax return on assets | 0.8843% | 3,412 |
| Return on Equity (ROE) | 6.7290% | 3,311 |
| Retained earnings to average equity (ytd only) | 4.6468% | 2,455 |
| Net charge-offs to loans | 0.0093% | 2,984 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 676 |
| Efficiency ratio | 80.6070% | 844 |
| Assets per employee ($millions) | 5.2124% | 3,138 |
| Cash dividends to net income (ytd only)* | 30.9430% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 1,332 |
| Loan loss allowance to noncurrent loans | 81.5970% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.5897% | 441 |
| Noncurrent loans to loans | 1.9447% | 604 |
| Net loans and leases to total assets | 53.6646% | 3,518 |
| Net loans and leases to deposits | 60.3150% | 3,731 |
| Net loans and leases to core deposits | 61.3361% | 3,867 |
| Total domestic deposits to total assets | 88.9740% | 998 |
| Equity capital to assets | 10.3102% | 2,820 |
| Core capital (leverage) ratio | 9.7519% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5192% | 1,149 |
| Memoranda: | ||
| Average total assets | $137,731,000 | 3,539 |
| Average earning assets | $126,659,800 | 3,545 |
| Average equity | $15,128,600 | 3,638 |
| Average total loans | $85,714,800 | 3,473 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2294% | 2,309 |
| Cost of funding earning assets | 0.4830% | 3,340 |
| Net interest margin | 3.7463% | 1,777 |
| Noninterest income to average assets | 0.4882% | 2,661 |
| Noninterest expense to average assets | 3.1037% | 1,232 |
| Loan and lease loss provision to assets | 0.0082% | 4,190 |
| Net operating income to assets | 0.6725% | 3,558 |
| Return on assets (ROA) | 0.8434% | 3,060 |
| Pretax return on assets | 1.0250% | 2,975 |
| Return on Equity (ROE) | 7.5481% | 2,991 |
| Retained earnings to average equity (ytd only) | 6.3226% | 1,961 |
| Net charge-offs to loans | 0.0031% | 3,063 |
| Credit loss provision to net charge-offs | 400.0000% | 1,457 |
| Earnings coverage of net charge-offs (x) | 415.5000% | 278 |
| Efficiency ratio | 79.0099% | 940 |
| Assets per employee ($millions) | 4.6637% | 3,642 |
| Cash dividends to net income (ytd only)* | 16.2353% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,412 |
| Loan loss allowance to noncurrent loans | 75.5172% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 2.0985% | 301 |
| Noncurrent loans to loans | 1.9742% | 619 |
| Net loans and leases to total assets | 62.0566% | 3,004 |
| Net loans and leases to deposits | 70.5359% | 3,261 |
| Net loans and leases to core deposits | 71.6908% | 3,501 |
| Total domestic deposits to total assets | 87.9788% | 1,222 |
| Equity capital to assets | 11.1328% | 2,297 |
| Core capital (leverage) ratio | 10.4256% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4893% | 1,135 |
| Memoranda: | ||
| Average total assets | $134,373,500 | 3,565 |
| Average earning assets | $123,388,500 | 3,574 |
| Average equity | $15,014,500 | 3,653 |
| Average total loans | $86,536,500 | 3,476 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 2,219 |
| Cost of funding earning assets | 0.4962% | 3,558 |
| Net interest margin | 3.9020% | 1,564 |
| Noninterest income to average assets | 0.4784% | 2,662 |
| Noninterest expense to average assets | 3.1405% | 1,264 |
| Loan and lease loss provision to assets | 0.0121% | 4,069 |
| Net operating income to assets | 0.7393% | 3,245 |
| Return on assets (ROA) | 0.9960% | 2,470 |
| Pretax return on assets | 1.2269% | 2,266 |
| Return on Equity (ROE) | 8.9025% | 2,399 |
| Retained earnings to average equity (ytd only) | 7.0411% | 1,648 |
| Net charge-offs to loans | -0.0047% | 3,997 |
| Credit loss provision to net charge-offs | -400.0000% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3031% | 1,125 |
| Assets per employee ($millions) | 4.2888% | 4,015 |
| Cash dividends to net income (ytd only)* | 20.9091% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 1,369 |
| Loan loss allowance to noncurrent loans | 94.6198% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.5986% | 558 |
| Noncurrent loans to loans | 1.5488% | 968 |
| Net loans and leases to total assets | 64.6216% | 2,803 |
| Net loans and leases to deposits | 73.4257% | 3,128 |
| Net loans and leases to core deposits | 74.7104% | 3,398 |
| Total domestic deposits to total assets | 88.0095% | 1,179 |
| Equity capital to assets | 11.1846% | 2,188 |
| Core capital (leverage) ratio | 10.4913% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4146% | 1,152 |
| Memoranda: | ||
| Average total assets | $132,527,667 | 3,571 |
| Average earning assets | $121,731,333 | 3,580 |
| Average equity | $14,827,333 | 3,679 |
| Average total loans | $86,002,667 | 3,481 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2230% | 3,138 |
| Cost of funding earning assets | 0.5346% | 3,771 |
| Net interest margin | 3.6884% | 2,364 |
| Noninterest income to average assets | 0.5132% | 2,482 |
| Noninterest expense to average assets | 2.9223% | 2,064 |
| Loan and lease loss provision to assets | 0.0246% | 3,491 |
| Net operating income to assets | 0.7549% | 3,081 |
| Return on assets (ROA) | 1.1554% | 1,782 |
| Pretax return on assets | 1.4658% | 1,398 |
| Return on Equity (ROE) | 10.3254% | 1,633 |
| Retained earnings to average equity (ytd only) | 10.3254% | 681 |
| Net charge-offs to loans | -0.0095% | 4,063 |
| Credit loss provision to net charge-offs | -400.0000% | 3,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8230% | 1,708 |
| Assets per employee ($millions) | 4.3929% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 1,151 |
| Loan loss allowance to noncurrent loans | 94.6198% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.7854% | 516 |
| Noncurrent loans to loans | 1.6578% | 928 |
| Net loans and leases to total assets | 62.8039% | 3,218 |
| Net loans and leases to deposits | 71.1928% | 3,503 |
| Net loans and leases to core deposits | 72.4833% | 3,732 |
| Total domestic deposits to total assets | 88.2167% | 1,011 |
| Equity capital to assets | 11.0807% | 2,792 |
| Core capital (leverage) ratio | 10.8853% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7694% | 1,179 |
| Memoranda: | ||
| Average total assets | $130,170,500 | 3,584 |
| Average earning assets | $119,725,500 | 3,584 |
| Average equity | $14,566,000 | 3,707 |
| Average total loans | $84,000,500 | 3,516 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 2,930 |
| Cost of funding earning assets | 0.5594% | 3,828 |
| Net interest margin | 3.9439% | 2,019 |
| Noninterest income to average assets | 0.5459% | 2,509 |
| Noninterest expense to average assets | 3.1472% | 1,651 |
| Loan and lease loss provision to assets | 0.0081% | 3,847 |
| Net operating income to assets | 0.8303% | 3,457 |
| Return on assets (ROA) | 0.8547% | 3,463 |
| Pretax return on assets | 1.0474% | 3,340 |
| Return on Equity (ROE) | 7.5880% | 3,328 |
| Retained earnings to average equity (ytd only) | 5.6123% | 2,095 |
| Net charge-offs to loans | 0.0184% | 3,061 |
| Credit loss provision to net charge-offs | 66.6667% | 2,952 |
| Earnings coverage of net charge-offs (x) | 84.8000% | 760 |
| Efficiency ratio | 75.4203% | 1,430 |
| Assets per employee ($millions) | 4.2851% | 3,529 |
| Cash dividends to net income (ytd only)* | 26.0377% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 1,069 |
| Loan loss allowance to noncurrent loans | 93.4954% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.8343% | 463 |
| Noncurrent loans to loans | 1.6672% | 826 |
| Net loans and leases to total assets | 64.2583% | 3,161 |
| Net loans and leases to deposits | 73.0955% | 3,428 |
| Net loans and leases to core deposits | 74.4634% | 3,684 |
| Total domestic deposits to total assets | 87.9100% | 1,170 |
| Equity capital to assets | 11.3020% | 2,704 |
| Core capital (leverage) ratio | 10.7291% | 2,735 |
| Tier 1 risk-based capital ratio | 16.2944% | 2,293 |
| Total risk-based capital ratio | 17.5485% | 2,237 |
| Memoranda: | ||
| Average total assets | $124,016,800 | 3,641 |
| Average earning assets | $114,048,600 | 3,644 |
| Average equity | $13,969,400 | 3,756 |
| Average total loans | $81,352,200 | 3,570 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 2,874 |
| Cost of funding earning assets | 0.5591% | 3,876 |
| Net interest margin | 3.9965% | 1,951 |
| Noninterest income to average assets | 0.5371% | 2,524 |
| Noninterest expense to average assets | 3.0478% | 1,837 |
| Loan and lease loss provision to assets | 0.0108% | 3,671 |
| Net operating income to assets | 0.9298% | 3,231 |
| Return on assets (ROA) | 0.9526% | 3,231 |
| Pretax return on assets | 1.1751% | 3,060 |
| Return on Equity (ROE) | 8.4648% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.1343% | 1,797 |
| Net charge-offs to loans | 0.0132% | 2,902 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 133.3299% | 599 |
| Efficiency ratio | 72.4716% | 1,768 |
| Assets per employee ($millions) | 4.2567% | 3,539 |
| Cash dividends to net income (ytd only)* | 15.7179% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 1,024 |
| Loan loss allowance to noncurrent loans | 82.5377% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 2.0665% | 409 |
| Noncurrent loans to loans | 1.9189% | 723 |
| Net loans and leases to total assets | 66.1420% | 3,033 |
| Net loans and leases to deposits | 75.7595% | 3,318 |
| Net loans and leases to core deposits | 77.2394% | 3,613 |
| Total domestic deposits to total assets | 87.3053% | 1,370 |
| Equity capital to assets | 11.7477% | 2,465 |
| Core capital (leverage) ratio | 10.9829% | 2,660 |
| Tier 1 risk-based capital ratio | 16.3285% | 2,324 |
| Total risk-based capital ratio | 17.5823% | 2,256 |
| Memoranda: | ||
| Average total assets | $122,882,750 | 3,690 |
| Average earning assets | $112,795,750 | 3,700 |
| Average equity | $13,829,500 | 3,811 |
| Average total loans | $80,711,750 | 3,628 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 3,227 |
| Cost of funding earning assets | 0.5424% | 3,922 |
| Net interest margin | 3.8926% | 2,259 |
| Noninterest income to average assets | 0.5249% | 2,539 |
| Noninterest expense to average assets | 3.0042% | 1,992 |
| Loan and lease loss provision to assets | 0.0163% | 3,461 |
| Net operating income to assets | 0.8735% | 3,389 |
| Return on assets (ROA) | 0.8656% | 3,474 |
| Pretax return on assets | 1.0742% | 3,311 |
| Return on Equity (ROE) | 7.8058% | 3,375 |
| Retained earnings to average equity (ytd only) | 5.7771% | 2,383 |
| Net charge-offs to loans | 0.0125% | 2,690 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 543 |
| Efficiency ratio | 73.1930% | 1,750 |
| Assets per employee ($millions) | 4.1506% | 3,643 |
| Cash dividends to net income (ytd only)* | 25.9887% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 969 |
| Loan loss allowance to noncurrent loans | 61.1317% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.5257% | 291 |
| Noncurrent loans to loans | 2.6600% | 416 |
| Net loans and leases to total assets | 64.0336% | 3,336 |
| Net loans and leases to deposits | 72.8757% | 3,611 |
| Net loans and leases to core deposits | 74.3732% | 3,870 |
| Total domestic deposits to total assets | 87.8669% | 1,161 |
| Equity capital to assets | 11.3316% | 2,758 |
| Core capital (leverage) ratio | 10.9379% | 2,656 |
| Tier 1 risk-based capital ratio | 16.1325% | 2,354 |
| Total risk-based capital ratio | 17.3865% | 2,299 |
| Memoranda: | ||
| Average total assets | $122,695,330 | 3,712 |
| Average earning assets | $112,828,330 | 3,725 |
| Average equity | $13,605,330 | 3,841 |
| Average total loans | $79,961,330 | 3,660 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 3,120 |
| Cost of funding earning assets | 0.5362% | 3,886 |
| Net interest margin | 3.8928% | 2,209 |
| Noninterest income to average assets | 0.5025% | 2,543 |
| Noninterest expense to average assets | 3.0349% | 1,892 |
| Loan and lease loss provision to assets | 0.0328% | 2,972 |
| Net operating income to assets | 0.8240% | 3,536 |
| Return on assets (ROA) | 0.8080% | 3,627 |
| Pretax return on assets | 0.9919% | 3,464 |
| Return on Equity (ROE) | 7.3691% | 3,521 |
| Retained earnings to average equity (ytd only) | 7.3691% | 1,895 |
| Net charge-offs to loans | 0.0101% | 2,328 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 484 |
| Efficiency ratio | 74.3961% | 1,698 |
| Assets per employee ($millions) | 4.0644% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 899 |
| Loan loss allowance to noncurrent loans | 64.0019% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.5039% | 311 |
| Noncurrent loans to loans | 2.6256% | 486 |
| Net loans and leases to total assets | 63.3875% | 3,362 |
| Net loans and leases to deposits | 71.8406% | 3,614 |
| Net loans and leases to core deposits | 73.1606% | 3,853 |
| Total domestic deposits to total assets | 88.2335% | 1,221 |
| Equity capital to assets | 11.1489% | 2,706 |
| Core capital (leverage) ratio | 10.8948% | 2,669 |
| Tier 1 risk-based capital ratio | 16.4010% | 2,304 |
| Total risk-based capital ratio | 17.6563% | 2,243 |
| Memoranda: | ||
| Average total assets | $121,783,500 | 3,769 |
| Average earning assets | $111,898,500 | 3,787 |
| Average equity | $13,353,000 | 3,895 |
| Average total loans | $79,416,000 | 3,706 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 2,301 |
| Cost of funding earning assets | 0.4709% | 3,548 |
| Net interest margin | 4.0780% | 1,753 |
| Noninterest income to average assets | 0.5423% | 2,595 |
| Noninterest expense to average assets | 3.4936% | 1,000 |
| Loan and lease loss provision to assets | -0.3301% | 5,367 |
| Net operating income to assets | 0.8979% | 3,443 |
| Return on assets (ROA) | 0.8966% | 3,441 |
| Pretax return on assets | 1.1180% | 3,209 |
| Return on Equity (ROE) | 8.4507% | 3,241 |
| Retained earnings to average equity (ytd only) | 6.4030% | 1,970 |
| Net charge-offs to loans | 0.0140% | 3,210 |
| Credit loss provision to net charge-offs | -3,291.6667% | 4,894 |
| Earnings coverage of net charge-offs (x) | 78.7500% | 864 |
| Efficiency ratio | 81.5646% | 837 |
| Assets per employee ($millions) | 3.6859% | 4,340 |
| Cash dividends to net income (ytd only)* | 24.2311% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6355% | 952 |
| Loan loss allowance to noncurrent loans | 89.8015% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 2.0142% | 474 |
| Noncurrent loans to loans | 1.8212% | 776 |
| Net loans and leases to total assets | 64.8739% | 3,266 |
| Net loans and leases to deposits | 73.2289% | 3,567 |
| Net loans and leases to core deposits | 74.7452% | 3,800 |
| Total domestic deposits to total assets | 88.5905% | 1,032 |
| Equity capital to assets | 10.7797% | 2,901 |
| Core capital (leverage) ratio | 10.7040% | 2,832 |
| Tier 1 risk-based capital ratio | 15.7510% | 2,512 |
| Total risk-based capital ratio | 17.0055% | 2,435 |
| Memoranda: | ||
| Average total assets | $119,676,400 | 3,790 |
| Average earning assets | $109,784,600 | 3,808 |
| Average equity | $12,697,200 | 3,930 |
| Average total loans | $85,491,800 | 3,560 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 2,149 |
| Cost of funding earning assets | 0.4589% | 3,465 |
| Net interest margin | 4.0836% | 1,678 |
| Noninterest income to average assets | 0.5370% | 2,634 |
| Noninterest expense to average assets | 3.5663% | 901 |
| Loan and lease loss provision to assets | -0.4419% | 5,449 |
| Net operating income to assets | 0.9229% | 3,418 |
| Return on assets (ROA) | 0.9229% | 3,421 |
| Pretax return on assets | 1.1556% | 3,174 |
| Return on Equity (ROE) | 8.7344% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.3581% | 1,949 |
| Net charge-offs to loans | 0.0077% | 3,143 |
| Credit loss provision to net charge-offs | -7,900.0000% | 4,890 |
| Earnings coverage of net charge-offs (x) | 127.5337% | 627 |
| Efficiency ratio | 83.3246% | 681 |
| Assets per employee ($millions) | 3.7388% | 4,253 |
| Cash dividends to net income (ytd only)* | 15.7577% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 1,353 |
| Loan loss allowance to noncurrent loans | 57.8255% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 2.7332% | 296 |
| Noncurrent loans to loans | 2.5900% | 494 |
| Net loans and leases to total assets | 72.5086% | 2,250 |
| Net loans and leases to deposits | 81.8674% | 2,834 |
| Net loans and leases to core deposits | 83.5436% | 3,195 |
| Total domestic deposits to total assets | 88.5683% | 1,017 |
| Equity capital to assets | 10.7329% | 2,912 |
| Core capital (leverage) ratio | 10.8532% | 2,730 |
| Tier 1 risk-based capital ratio | 14.5609% | 3,089 |
| Total risk-based capital ratio | 15.8111% | 3,010 |
| Memoranda: | ||
| Average total assets | $119,186,500 | 3,840 |
| Average earning assets | $109,248,500 | 3,857 |
| Average equity | $12,593,500 | 3,973 |
| Average total loans | $86,809,250 | 3,568 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 2,207 |
| Cost of funding earning assets | 0.4523% | 3,339 |
| Net interest margin | 4.0101% | 1,826 |
| Noninterest income to average assets | 0.5293% | 2,695 |
| Noninterest expense to average assets | 3.7905% | 680 |
| Loan and lease loss provision to assets | -0.6637% | 5,524 |
| Net operating income to assets | 0.8687% | 3,588 |
| Return on assets (ROA) | 0.8687% | 3,592 |
| Pretax return on assets | 1.0820% | 3,383 |
| Return on Equity (ROE) | 8.2647% | 3,382 |
| Retained earnings to average equity (ytd only) | 6.1866% | 2,465 |
| Net charge-offs to loans | 0.0116% | 2,744 |
| Credit loss provision to net charge-offs | -7,900.0000% | 4,793 |
| Earnings coverage of net charge-offs (x) | 49.8000% | 1,128 |
| Efficiency ratio | 90.0599% | 365 |
| Assets per employee ($millions) | 3.8615% | 4,118 |
| Cash dividends to net income (ytd only)* | 25.1451% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 1,360 |
| Loan loss allowance to noncurrent loans | 60.8395% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 2.6373% | 318 |
| Noncurrent loans to loans | 2.4851% | 522 |
| Net loans and leases to total assets | 71.7775% | 2,311 |
| Net loans and leases to deposits | 80.7629% | 2,873 |
| Net loans and leases to core deposits | 82.1819% | 3,226 |
| Total domestic deposits to total assets | 88.8744% | 983 |
| Equity capital to assets | 10.5375% | 3,076 |
| Core capital (leverage) ratio | 10.5938% | 2,929 |
| Tier 1 risk-based capital ratio | 14.2510% | 3,232 |
| Total risk-based capital ratio | 15.5015% | 3,154 |
| Memoranda: | ||
| Average total assets | $119,035,000 | 3,879 |
| Average earning assets | $109,223,670 | 3,886 |
| Average equity | $12,511,000 | 4,005 |
| Average total loans | $86,389,330 | 3,595 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4412% | 2,053 |
| Cost of funding earning assets | 0.4522% | 3,189 |
| Net interest margin | 3.9890% | 1,761 |
| Noninterest income to average assets | 0.5088% | 2,753 |
| Noninterest expense to average assets | 3.0868% | 1,862 |
| Loan and lease loss provision to assets | 0.1011% | 1,832 |
| Net operating income to assets | 0.7919% | 3,734 |
| Return on assets (ROA) | 0.7919% | 3,739 |
| Pretax return on assets | 0.9773% | 3,610 |
| Return on Equity (ROE) | 7.5444% | 3,568 |
| Retained earnings to average equity (ytd only) | 7.5444% | 2,026 |
| Net charge-offs to loans | 0.0233% | 2,038 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 811 |
| Efficiency ratio | 74.1100% | 1,886 |
| Assets per employee ($millions) | 3.8002% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0783% | 475 |
| Loan loss allowance to noncurrent loans | 93.9688% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 2.7766% | 311 |
| Noncurrent loans to loans | 2.2117% | 678 |
| Net loans and leases to total assets | 69.7887% | 2,520 |
| Net loans and leases to deposits | 78.5253% | 2,960 |
| Net loans and leases to core deposits | 79.9230% | 3,330 |
| Total domestic deposits to total assets | 88.8742% | 1,165 |
| Equity capital to assets | 10.6148% | 2,956 |
| Core capital (leverage) ratio | 10.6361% | 2,810 |
| Tier 1 risk-based capital ratio | 14.6011% | 3,069 |
| Total risk-based capital ratio | 15.8220% | 2,992 |
| Memoranda: | ||
| Average total assets | $118,699,500 | 3,917 |
| Average earning assets | $108,800,000 | 3,934 |
| Average equity | $12,459,500 | 4,054 |
| Average total loans | $85,963,500 | 3,629 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 1,812 |
| Cost of funding earning assets | 0.4619% | 2,672 |
| Net interest margin | 4.0076% | 1,726 |
| Noninterest income to average assets | 0.5108% | 2,931 |
| Noninterest expense to average assets | 3.0340% | 2,062 |
| Loan and lease loss provision to assets | 0.0832% | 2,539 |
| Net operating income to assets | 0.9142% | 2,636 |
| Return on assets (ROA) | 0.9035% | 2,721 |
| Pretax return on assets | 1.0549% | 3,363 |
| Return on Equity (ROE) | 9.0264% | 2,304 |
| Retained earnings to average equity (ytd only) | 6.9900% | 1,077 |
| Net charge-offs to loans | 0.2111% | 1,234 |
| Credit loss provision to net charge-offs | 51.8135% | 3,307 |
| Earnings coverage of net charge-offs (x) | 7.1658% | 3,079 |
| Efficiency ratio | 72.5050% | 2,146 |
| Assets per employee ($millions) | 3.8578% | 4,187 |
| Cash dividends to net income (ytd only)* | 22.5599% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9553% | 585 |
| Loan loss allowance to noncurrent loans | 92.6225% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 2.7351% | 314 |
| Noncurrent loans to loans | 2.1110% | 709 |
| Net loans and leases to total assets | 72.1169% | 2,219 |
| Net loans and leases to deposits | 80.9123% | 2,825 |
| Net loans and leases to core deposits | 82.7173% | 3,176 |
| Total domestic deposits to total assets | 89.1297% | 944 |
| Equity capital to assets | 10.3803% | 3,292 |
| Core capital (leverage) ratio | 10.1593% | 3,233 |
| Tier 1 risk-based capital ratio | 13.8202% | 3,461 |
| Total risk-based capital ratio | 15.0787% | 3,368 |
| Memoranda: | ||
| Average total assets | $120,202,400 | 3,892 |
| Average earning assets | $110,191,600 | 3,909 |
| Average equity | $12,031,400 | 4,131 |
| Average total loans | $91,412,200 | 3,499 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 1,775 |
| Cost of funding earning assets | 0.4587% | 2,630 |
| Net interest margin | 3.9964% | 1,714 |
| Noninterest income to average assets | 0.5063% | 2,998 |
| Noninterest expense to average assets | 2.9423% | 2,275 |
| Loan and lease loss provision to assets | 0.0997% | 2,115 |
| Net operating income to assets | 0.8253% | 3,413 |
| Return on assets (ROA) | 0.8253% | 3,446 |
| Pretax return on assets | 1.1322% | 3,176 |
| Return on Equity (ROE) | 8.3221% | 2,968 |
| Retained earnings to average equity (ytd only) | 6.9593% | 1,712 |
| Net charge-offs to loans | 0.2659% | 813 |
| Credit loss provision to net charge-offs | 48.9130% | 2,924 |
| Earnings coverage of net charge-offs (x) | 6.0434% | 3,028 |
| Efficiency ratio | 70.4883% | 2,458 |
| Assets per employee ($millions) | 3.8048% | 4,305 |
| Cash dividends to net income (ytd only)* | 16.3756% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8766% | 731 |
| Loan loss allowance to noncurrent loans | 79.9163% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 3.0225% | 294 |
| Noncurrent loans to loans | 2.3483% | 670 |
| Net loans and leases to total assets | 76.2033% | 1,554 |
| Net loans and leases to deposits | 85.7095% | 2,334 |
| Net loans and leases to core deposits | 87.6486% | 2,805 |
| Total domestic deposits to total assets | 88.9088% | 932 |
| Equity capital to assets | 10.4011% | 3,477 |
| Core capital (leverage) ratio | 10.0085% | 3,550 |
| Tier 1 risk-based capital ratio | 13.1386% | 3,915 |
| Total risk-based capital ratio | 14.3968% | 3,817 |
| Memoranda: | ||
| Average total assets | $120,355,000 | 3,926 |
| Average earning assets | $110,464,750 | 3,944 |
| Average equity | $11,935,750 | 4,187 |
| Average total loans | $92,273,750 | 3,518 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 2,111 |
| Cost of funding earning assets | 0.4431% | 2,667 |
| Net interest margin | 3.8603% | 2,061 |
| Noninterest income to average assets | 0.4820% | 3,136 |
| Noninterest expense to average assets | 2.8261% | 2,665 |
| Loan and lease loss provision to assets | 0.1486% | 1,366 |
| Net operating income to assets | 0.7841% | 3,468 |
| Return on assets (ROA) | 0.7841% | 3,528 |
| Pretax return on assets | 1.0598% | 3,342 |
| Return on Equity (ROE) | 8.0338% | 3,012 |
| Retained earnings to average equity (ytd only) | 5.9704% | 2,138 |
| Net charge-offs to loans | 0.4000% | 511 |
| Credit loss provision to net charge-offs | 48.6486% | 2,579 |
| Earnings coverage of net charge-offs (x) | 3.9568% | 2,990 |
| Efficiency ratio | 70.0491% | 2,661 |
| Assets per employee ($millions) | 4.0419% | 3,885 |
| Cash dividends to net income (ytd only)* | 25.6842% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 724 |
| Loan loss allowance to noncurrent loans | 92.5148% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 2.6976% | 371 |
| Noncurrent loans to loans | 2.0515% | 817 |
| Net loans and leases to total assets | 73.2337% | 1,999 |
| Net loans and leases to deposits | 82.0083% | 2,702 |
| Net loans and leases to core deposits | 87.1162% | 2,788 |
| Total domestic deposits to total assets | 89.3004% | 808 |
| Equity capital to assets | 9.9112% | 4,014 |
| Core capital (leverage) ratio | 9.8909% | 3,667 |
| Tier 1 risk-based capital ratio | 12.8969% | 4,061 |
| Total risk-based capital ratio | 14.1553% | 3,974 |
| Memoranda: | ||
| Average total assets | $121,157,000 | 3,945 |
| Average earning assets | $111,493,000 | 3,953 |
| Average equity | $11,825,000 | 4,215 |
| Average total loans | $92,498,330 | 3,525 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 1,940 |
| Cost of funding earning assets | 0.4367% | 2,650 |
| Net interest margin | 3.8691% | 1,892 |
| Noninterest income to average assets | 0.4096% | 3,592 |
| Noninterest expense to average assets | 2.6885% | 3,186 |
| Loan and lease loss provision to assets | 0.1486% | 1,253 |
| Net operating income to assets | 0.8224% | 3,112 |
| Return on assets (ROA) | 0.8224% | 3,170 |
| Pretax return on assets | 1.1428% | 2,806 |
| Return on Equity (ROE) | 8.4921% | 2,679 |
| Retained earnings to average equity (ytd only) | 8.4921% | 1,276 |
| Net charge-offs to loans | 0.0428% | 1,979 |
| Credit loss provision to net charge-offs | 450.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 39.1000% | 1,052 |
| Efficiency ratio | 67.5519% | 3,270 |
| Assets per employee ($millions) | 3.9200% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0279% | 639 |
| Loan loss allowance to noncurrent loans | 38.7665% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 4.0536% | 185 |
| Noncurrent loans to loans | 5.2310% | 150 |
| Net loans and leases to total assets | 75.9199% | 1,425 |
| Net loans and leases to deposits | 85.1495% | 2,143 |
| Net loans and leases to core deposits | 87.5004% | 2,588 |
| Total domestic deposits to total assets | 89.1606% | 1,070 |
| Equity capital to assets | 10.0936% | 3,637 |
| Core capital (leverage) ratio | 9.6438% | 3,939 |
| Tier 1 risk-based capital ratio | 13.4850% | 3,787 |
| Total risk-based capital ratio | 14.7469% | 3,692 |
| Memoranda: | ||
| Average total assets | $121,107,000 | 3,977 |
| Average earning assets | $111,758,000 | 3,982 |
| Average equity | $11,728,500 | 4,264 |
| Average total loans | $93,488,000 | 3,526 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4139% | 1,779 |
| Cost of funding earning assets | 0.4439% | 2,584 |
| Net interest margin | 3.9700% | 1,731 |
| Noninterest income to average assets | 0.4185% | 3,748 |
| Noninterest expense to average assets | 2.9943% | 2,369 |
| Loan and lease loss provision to assets | 0.5714% | 230 |
| Net operating income to assets | 0.4499% | 4,800 |
| Return on assets (ROA) | 0.4612% | 4,846 |
| Pretax return on assets | 0.5352% | 4,956 |
| Return on Equity (ROE) | 4.8355% | 4,500 |
| Retained earnings to average equity (ytd only) | 2.7238% | 3,966 |
| Net charge-offs to loans | 0.0366% | 3,293 |
| Credit loss provision to net charge-offs | 1,985.7143% | 225 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,219 |
| Efficiency ratio | 73.2502% | 2,380 |
| Assets per employee ($millions) | 3.8942% | 4,151 |
| Cash dividends to net income (ytd only)* | 43.6720% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8916% | 819 |
| Loan loss allowance to noncurrent loans | 38.1604% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 3.8479% | 206 |
| Noncurrent loans to loans | 4.9569% | 162 |
| Net loans and leases to total assets | 75.4596% | 1,608 |
| Net loans and leases to deposits | 83.8556% | 2,437 |
| Net loans and leases to core deposits | 88.5018% | 2,628 |
| Total domestic deposits to total assets | 89.9876% | 631 |
| Equity capital to assets | 9.2982% | 4,476 |
| Core capital (leverage) ratio | 9.0357% | 4,697 |
| Tier 1 risk-based capital ratio | 12.4961% | 4,376 |
| Total risk-based capital ratio | 13.7548% | 4,266 |
| Memoranda: | ||
| Average total assets | $121,631,800 | 3,963 |
| Average earning assets | $112,417,800 | 3,962 |
| Average equity | $11,601,600 | 4,317 |
| Average total loans | $95,568,800 | 3,472 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 1,876 |
| Cost of funding earning assets | 0.4400% | 2,634 |
| Net interest margin | 3.9543% | 1,799 |
| Noninterest income to average assets | 0.4169% | 3,803 |
| Noninterest expense to average assets | 2.9074% | 2,622 |
| Loan and lease loss provision to assets | 0.7070% | 160 |
| Net operating income to assets | 0.4121% | 4,981 |
| Return on assets (ROA) | 0.4279% | 5,022 |
| Pretax return on assets | 0.4776% | 5,176 |
| Return on Equity (ROE) | 4.4576% | 4,737 |
| Retained earnings to average equity (ytd only) | 3.0445% | 4,088 |
| Net charge-offs to loans | 0.0363% | 2,902 |
| Credit loss provision to net charge-offs | 2,465.3846% | 207 |
| Earnings coverage of net charge-offs (x) | 40.6873% | 1,227 |
| Efficiency ratio | 71.3590% | 2,674 |
| Assets per employee ($millions) | 3.9457% | 4,052 |
| Cash dividends to net income (ytd only)* | 31.7018% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7377% | 1,130 |
| Loan loss allowance to noncurrent loans | 51.3357% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 2.8516% | 424 |
| Noncurrent loans to loans | 3.3849% | 394 |
| Net loans and leases to total assets | 81.7360% | 658 |
| Net loans and leases to deposits | 95.5721% | 1,091 |
| Net loans and leases to core deposits | 100.7538% | 1,564 |
| Total domestic deposits to total assets | 85.5229% | 2,597 |
| Equity capital to assets | 9.5882% | 4,566 |
| Core capital (leverage) ratio | 9.3395% | 4,404 |
| Tier 1 risk-based capital ratio | 11.5074% | 5,083 |
| Total risk-based capital ratio | 12.7646% | 4,991 |
| Memoranda: | ||
| Average total assets | $120,886,000 | 3,998 |
| Average earning assets | $111,806,500 | 3,999 |
| Average equity | $11,605,250 | 4,355 |
| Average total loans | $95,499,250 | 3,480 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 2,149 |
| Cost of funding earning assets | 0.4347% | 2,696 |
| Net interest margin | 3.8690% | 2,087 |
| Noninterest income to average assets | 0.4053% | 3,838 |
| Noninterest expense to average assets | 2.7589% | 3,168 |
| Loan and lease loss provision to assets | 0.8986% | 112 |
| Net operating income to assets | 0.3339% | 5,227 |
| Return on assets (ROA) | 0.3339% | 5,308 |
| Pretax return on assets | 0.3256% | 5,459 |
| Return on Equity (ROE) | 3.4762% | 5,102 |
| Retained earnings to average equity (ytd only) | 1.3490% | 4,842 |
| Net charge-offs to loans | 0.0557% | 2,397 |
| Credit loss provision to net charge-offs | 2,080.7692% | 196 |
| Earnings coverage of net charge-offs (x) | 28.3462% | 1,432 |
| Efficiency ratio | 69.2661% | 3,103 |
| Assets per employee ($millions) | 3.8873% | 4,108 |
| Cash dividends to net income (ytd only)* | 61.1940% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7283% | 1,216 |
| Loan loss allowance to noncurrent loans | 47.3580% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.9210% | 428 |
| Noncurrent loans to loans | 3.6494% | 357 |
| Net loans and leases to total assets | 78.6573% | 1,118 |
| Net loans and leases to deposits | 87.7551% | 2,026 |
| Net loans and leases to core deposits | 92.3516% | 2,318 |
| Total domestic deposits to total assets | 89.6328% | 624 |
| Equity capital to assets | 9.6029% | 4,669 |
| Core capital (leverage) ratio | 9.2494% | 4,522 |
| Tier 1 risk-based capital ratio | 11.9481% | 4,861 |
| Total risk-based capital ratio | 13.2048% | 4,769 |
| Memoranda: | ||
| Average total assets | $120,409,000 | 4,034 |
| Average earning assets | $111,346,670 | 4,035 |
| Average equity | $11,564,330 | 4,389 |
| Average total loans | $93,417,330 | 3,538 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2342% | 2,351 |
| Cost of funding earning assets | 0.4310% | 2,763 |
| Net interest margin | 3.8032% | 2,275 |
| Noninterest income to average assets | 0.3888% | 3,910 |
| Noninterest expense to average assets | 2.6254% | 3,671 |
| Loan and lease loss provision to assets | 0.1628% | 1,273 |
| Net operating income to assets | 0.8209% | 3,149 |
| Return on assets (ROA) | 0.8209% | 3,273 |
| Pretax return on assets | 1.1200% | 3,014 |
| Return on Equity (ROE) | 8.5463% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.5463% | 1,247 |
| Net charge-offs to loans | 0.0087% | 2,833 |
| Credit loss provision to net charge-offs | 2,450.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 310 |
| Efficiency ratio | 67.1769% | 3,601 |
| Assets per employee ($millions) | 3.8449% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,870 |
| Loan loss allowance to noncurrent loans | 36.1773% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 2.7829% | 487 |
| Noncurrent loans to loans | 3.6100% | 371 |
| Net loans and leases to total assets | 76.0829% | 1,381 |
| Net loans and leases to deposits | 85.1957% | 2,171 |
| Net loans and leases to core deposits | 92.5413% | 2,138 |
| Total domestic deposits to total assets | 89.3037% | 945 |
| Equity capital to assets | 9.8246% | 4,306 |
| Core capital (leverage) ratio | 9.3482% | 4,435 |
| Tier 1 risk-based capital ratio | 12.8344% | 4,371 |
| Total risk-based capital ratio | 14.0857% | 4,283 |
| Memoranda: | ||
| Average total assets | $120,361,000 | 4,064 |
| Average earning assets | $111,378,500 | 4,064 |
| Average equity | $11,560,500 | 4,408 |
| Average total loans | $91,899,500 | 3,579 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 1,974 |
| Cost of funding earning assets | 0.4339% | 2,807 |
| Net interest margin | 3.9452% | 1,891 |
| Noninterest income to average assets | 0.4100% | 3,954 |
| Noninterest expense to average assets | 2.9957% | 2,561 |
| Loan and lease loss provision to assets | 0.1616% | 1,427 |
| Net operating income to assets | 0.7031% | 3,794 |
| Return on assets (ROA) | 0.7140% | 3,853 |
| Pretax return on assets | 0.9155% | 3,780 |
| Return on Equity (ROE) | 7.4111% | 3,302 |
| Retained earnings to average equity (ytd only) | 6.3112% | 1,650 |
| Net charge-offs to loans | 0.0230% | 3,799 |
| Credit loss provision to net charge-offs | 930.0000% | 366 |
| Earnings coverage of net charge-offs (x) | 61.2000% | 858 |
| Efficiency ratio | 73.8070% | 2,613 |
| Assets per employee ($millions) | 3.9204% | 4,083 |
| Cash dividends to net income (ytd only)* | 14.8418% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 3,146 |
| Loan loss allowance to noncurrent loans | 64.9746% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.4589% | 1,407 |
| Noncurrent loans to loans | 1.9290% | 1,103 |
| Net loans and leases to total assets | 74.6830% | 1,614 |
| Net loans and leases to deposits | 83.1582% | 2,456 |
| Net loans and leases to core deposits | 88.4862% | 2,555 |
| Total domestic deposits to total assets | 89.8084% | 712 |
| Equity capital to assets | 9.3894% | 4,682 |
| Core capital (leverage) ratio | 9.1333% | 4,707 |
| Tier 1 risk-based capital ratio | 12.5847% | 4,575 |
| Total risk-based capital ratio | 13.8360% | 4,472 |
| Memoranda: | ||
| Average total assets | $115,131,400 | 4,156 |
| Average earning assets | $106,483,400 | 4,131 |
| Average equity | $11,091,400 | 4,464 |
| Average total loans | $86,925,200 | 3,651 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 1,931 |
| Cost of funding earning assets | 0.4323% | 2,878 |
| Net interest margin | 3.9633% | 1,831 |
| Noninterest income to average assets | 0.4063% | 4,048 |
| Noninterest expense to average assets | 2.9324% | 2,731 |
| Loan and lease loss provision to assets | 0.1292% | 1,753 |
| Net operating income to assets | 0.7735% | 3,561 |
| Return on assets (ROA) | 0.7880% | 3,576 |
| Pretax return on assets | 1.0241% | 3,525 |
| Return on Equity (ROE) | 8.1246% | 3,007 |
| Retained earnings to average equity (ytd only) | 6.6474% | 1,865 |
| Net charge-offs to loans | 0.0311% | 3,302 |
| Credit loss provision to net charge-offs | 550.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 48.2928% | 1,081 |
| Efficiency ratio | 72.1051% | 2,860 |
| Assets per employee ($millions) | 3.7399% | 4,376 |
| Cash dividends to net income (ytd only)* | 18.1816% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 3,899 |
| Loan loss allowance to noncurrent loans | 60.5856% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.5319% | 1,459 |
| Noncurrent loans to loans | 1.9072% | 1,214 |
| Net loans and leases to total assets | 79.3924% | 899 |
| Net loans and leases to deposits | 92.3702% | 1,369 |
| Net loans and leases to core deposits | 96.0103% | 1,878 |
| Total domestic deposits to total assets | 85.9502% | 2,550 |
| Equity capital to assets | 9.7035% | 4,514 |
| Core capital (leverage) ratio | 9.2360% | 4,684 |
| Tier 1 risk-based capital ratio | 12.2320% | 4,936 |
| Total risk-based capital ratio | 13.4564% | 4,861 |
| Memoranda: | ||
| Average total assets | $113,531,500 | 4,232 |
| Average earning assets | $104,858,500 | 4,213 |
| Average equity | $11,011,500 | 4,527 |
| Average total loans | $85,677,750 | 3,718 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 2,084 |
| Cost of funding earning assets | 0.4243% | 2,994 |
| Net interest margin | 3.9053% | 1,958 |
| Noninterest income to average assets | 0.3939% | 4,124 |
| Noninterest expense to average assets | 2.9522% | 2,711 |
| Loan and lease loss provision to assets | 0.1171% | 1,895 |
| Net operating income to assets | 0.7386% | 3,696 |
| Return on assets (ROA) | 0.7540% | 3,723 |
| Pretax return on assets | 0.9527% | 3,763 |
| Return on Equity (ROE) | 7.7753% | 3,176 |
| Retained earnings to average equity (ytd only) | 5.5434% | 2,513 |
| Net charge-offs to loans | 0.0481% | 2,745 |
| Credit loss provision to net charge-offs | 330.0000% | 870 |
| Earnings coverage of net charge-offs (x) | 29.6000% | 1,375 |
| Efficiency ratio | 73.7589% | 2,712 |
| Assets per employee ($millions) | 3.7351% | 4,354 |
| Cash dividends to net income (ytd only)* | 28.7059% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 4,022 |
| Loan loss allowance to noncurrent loans | 51.4457% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.7325% | 1,360 |
| Noncurrent loans to loans | 2.2559% | 1,053 |
| Net loans and leases to total assets | 75.9083% | 1,378 |
| Net loans and leases to deposits | 90.0007% | 1,601 |
| Net loans and leases to core deposits | 91.4684% | 2,199 |
| Total domestic deposits to total assets | 84.3419% | 3,424 |
| Equity capital to assets | 9.4959% | 4,656 |
| Core capital (leverage) ratio | 9.1874% | 4,714 |
| Tier 1 risk-based capital ratio | 11.9093% | 5,212 |
| Total risk-based capital ratio | 13.0794% | 5,161 |
| Memoranda: | ||
| Average total assets | $112,729,330 | 4,281 |
| Average earning assets | $104,165,670 | 4,266 |
| Average equity | $10,932,000 | 4,570 |
| Average total loans | $83,196,330 | 3,795 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 1,472 |
| Cost of funding earning assets | 0.4208% | 3,063 |
| Net interest margin | 4.0755% | 1,342 |
| Noninterest income to average assets | 0.3741% | 4,210 |
| Noninterest expense to average assets | 2.7914% | 3,279 |
| Loan and lease loss provision to assets | 0.1475% | 1,378 |
| Net operating income to assets | 0.8921% | 2,777 |
| Return on assets (ROA) | 0.8921% | 2,906 |
| Pretax return on assets | 1.1978% | 2,678 |
| Return on Equity (ROE) | 9.1005% | 2,402 |
| Retained earnings to average equity (ytd only) | 9.1005% | 1,162 |
| Net charge-offs to loans | 0.0249% | 2,669 |
| Credit loss provision to net charge-offs | 820.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 74.8000% | 624 |
| Efficiency ratio | 67.4783% | 3,910 |
| Assets per employee ($millions) | 3.7463% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 3,697 |
| Loan loss allowance to noncurrent loans | 74.9083% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.2127% | 2,210 |
| Noncurrent loans to loans | 1.6671% | 1,663 |
| Net loans and leases to total assets | 71.8391% | 1,832 |
| Net loans and leases to deposits | 85.4247% | 1,902 |
| Net loans and leases to core deposits | 86.8602% | 2,451 |
| Total domestic deposits to total assets | 84.0964% | 3,786 |
| Equity capital to assets | 9.8390% | 4,338 |
| Core capital (leverage) ratio | 9.4951% | 4,284 |
| Tier 1 risk-based capital ratio | 12.0017% | 5,235 |
| Total risk-based capital ratio | 13.1732% | 5,181 |
| Memoranda: | ||
| Average total assets | $111,200,500 | 4,342 |
| Average earning assets | $102,661,000 | 4,332 |
| Average equity | $10,900,500 | 4,619 |
| Average total loans | $80,332,500 | 3,877 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5114% | 1,826 |
| Cost of funding earning assets | 0.4465% | 3,202 |
| Net interest margin | 4.0649% | 1,696 |
| Noninterest income to average assets | 0.3983% | 4,192 |
| Noninterest expense to average assets | 2.8506% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9676% | 2,542 |
| Return on assets (ROA) | 0.9662% | 2,634 |
| Pretax return on assets | 1.3201% | 2,177 |
| Return on Equity (ROE) | 10.4574% | 1,922 |
| Retained earnings to average equity (ytd only) | 8.1990% | 949 |
| Net charge-offs to loans | 0.0121% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 161.8889% | 333 |
| Efficiency ratio | 68.3192% | 3,844 |
| Assets per employee ($millions) | 4.0760% | 3,770 |
| Cash dividends to net income (ytd only)* | 21.5962% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 3,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 70.8383% | 2,102 |
| Net loans and leases to deposits | 81.6598% | 2,517 |
| Net loans and leases to core deposits | 83.0155% | 2,992 |
| Total domestic deposits to total assets | 86.7481% | 2,421 |
| Equity capital to assets | 9.7845% | 4,378 |
| Core capital (leverage) ratio | 9.2235% | 4,644 |
| Tier 1 risk-based capital ratio | 13.0284% | 4,715 |
| Total risk-based capital ratio | 14.2628% | 4,636 |
| Memoranda: | ||
| Average total assets | $110,220,800 | 4,377 |
| Average earning assets | $102,340,200 | 4,341 |
| Average equity | $10,184,200 | 4,715 |
| Average total loans | $74,212,000 | 4,050 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 2,085 |
| Cost of funding earning assets | 0.4474% | 3,284 |
| Net interest margin | 3.9924% | 1,904 |
| Noninterest income to average assets | 0.3906% | 4,319 |
| Noninterest expense to average assets | 2.7533% | 3,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9830% | 2,526 |
| Return on assets (ROA) | 0.9794% | 2,617 |
| Pretax return on assets | 1.3446% | 2,218 |
| Return on Equity (ROE) | 10.7585% | 1,888 |
| Retained earnings to average equity (ytd only) | 9.2311% | 918 |
| Net charge-offs to loans | 0.0018% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,118.7669% | 59 |
| Efficiency ratio | 67.1088% | 4,025 |
| Assets per employee ($millions) | 3.9856% | 3,928 |
| Cash dividends to net income (ytd only)* | 14.1976% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 3,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 69.4111% | 2,284 |
| Net loans and leases to deposits | 79.8853% | 2,705 |
| Net loans and leases to core deposits | 81.1882% | 3,182 |
| Total domestic deposits to total assets | 86.8884% | 2,378 |
| Equity capital to assets | 9.4493% | 4,862 |
| Core capital (leverage) ratio | 9.0468% | 5,006 |
| Tier 1 risk-based capital ratio | 12.7831% | 4,987 |
| Total risk-based capital ratio | 14.0237% | 4,902 |
| Memoranda: | ||
| Average total assets | $110,263,000 | 4,415 |
| Average earning assets | $102,526,750 | 4,376 |
| Average equity | $10,038,250 | 4,777 |
| Average total loans | $73,028,750 | 4,114 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 2,356 |
| Cost of funding earning assets | 0.4429% | 3,410 |
| Net interest margin | 3.9137% | 2,103 |
| Noninterest income to average assets | 0.3788% | 4,419 |
| Noninterest expense to average assets | 2.7846% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9105% | 2,752 |
| Return on assets (ROA) | 0.9051% | 2,878 |
| Pretax return on assets | 1.2238% | 2,556 |
| Return on Equity (ROE) | 10.0716% | 2,117 |
| Retained earnings to average equity (ytd only) | 7.7412% | 1,415 |
| Net charge-offs to loans | -0.0028% | 5,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3424% | 3,771 |
| Assets per employee ($millions) | 3.9599% | 3,927 |
| Cash dividends to net income (ytd only)* | 23.1388% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 3,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 66.4147% | 2,693 |
| Net loans and leases to deposits | 75.1868% | 3,166 |
| Net loans and leases to core deposits | 76.3975% | 3,589 |
| Total domestic deposits to total assets | 88.3329% | 1,717 |
| Equity capital to assets | 9.2040% | 5,098 |
| Core capital (leverage) ratio | 8.9487% | 5,096 |
| Tier 1 risk-based capital ratio | 12.8976% | 4,975 |
| Total risk-based capital ratio | 14.1381% | 4,919 |
| Memoranda: | ||
| Average total assets | $109,818,670 | 4,449 |
| Average earning assets | $102,053,000 | 4,412 |
| Average equity | $9,869,330 | 4,834 |
| Average total loans | $71,220,330 | 4,195 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 3,010 |
| Cost of funding earning assets | 0.4444% | 3,489 |
| Net interest margin | 3.7204% | 2,784 |
| Noninterest income to average assets | 0.3477% | 4,592 |
| Noninterest expense to average assets | 2.6755% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8491% | 2,900 |
| Return on assets (ROA) | 0.8491% | 2,972 |
| Pretax return on assets | 1.1346% | 2,750 |
| Return on Equity (ROE) | 9.5655% | 2,216 |
| Retained earnings to average equity (ytd only) | 9.5655% | 1,088 |
| Net charge-offs to loans | -0.0173% | 5,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2209% | 3,797 |
| Assets per employee ($millions) | 4.0150% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 3,387 |
| Loan loss allowance to noncurrent loans | 5,544.4444% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 6,266 |
| Noncurrent loans to loans | 0.0261% | 6,080 |
| Net loans and leases to total assets | 62.7554% | 3,111 |
| Net loans and leases to deposits | 69.4418% | 3,670 |
| Net loans and leases to core deposits | 70.5574% | 4,027 |
| Total domestic deposits to total assets | 90.3713% | 878 |
| Equity capital to assets | 9.1186% | 4,979 |
| Core capital (leverage) ratio | 8.8350% | 5,220 |
| Tier 1 risk-based capital ratio | 13.6555% | 4,575 |
| Total risk-based capital ratio | 14.8942% | 4,534 |
| Memoranda: | ||
| Average total assets | $109,290,000 | 4,499 |
| Average earning assets | $101,710,000 | 4,461 |
| Average equity | $9,701,500 | 4,889 |
| Average total loans | $69,513,500 | 4,275 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 3,668 |
| Cost of funding earning assets | 0.5045% | 3,563 |
| Net interest margin | 3.6141% | 3,400 |
| Noninterest income to average assets | 0.3685% | 4,675 |
| Noninterest expense to average assets | 2.5594% | 4,589 |
| Loan and lease loss provision to assets | 0.0018% | 5,073 |
| Net operating income to assets | 0.8403% | 3,087 |
| Return on assets (ROA) | 0.8596% | 3,065 |
| Pretax return on assets | 1.1866% | 2,635 |
| Return on Equity (ROE) | 9.8736% | 2,162 |
| Retained earnings to average equity (ytd only) | 7.4396% | 1,258 |
| Net charge-offs to loans | 0.1448% | 3,354 |
| Credit loss provision to net charge-offs | 2.1053% | 4,683 |
| Earnings coverage of net charge-offs (x) | 13.2737% | 2,041 |
| Efficiency ratio | 68.7794% | 4,055 |
| Assets per employee ($millions) | 4.0806% | 3,695 |
| Cash dividends to net income (ytd only)* | 24.6517% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 3,545 |
| Loan loss allowance to noncurrent loans | 222.0982% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 5,035 |
| Noncurrent loans to loans | 0.6400% | 4,379 |
| Net loans and leases to total assets | 62.6313% | 3,268 |
| Net loans and leases to deposits | 68.9309% | 3,915 |
| Net loans and leases to core deposits | 69.8287% | 4,298 |
| Total domestic deposits to total assets | 90.8609% | 631 |
| Equity capital to assets | 8.6390% | 5,438 |
| Core capital (leverage) ratio | 8.4792% | 5,695 |
| Tier 1 risk-based capital ratio | 13.1895% | 4,859 |
| Total risk-based capital ratio | 14.4267% | 4,806 |
| Memoranda: | ||
| Average total assets | $108,541,800 | 4,536 |
| Average earning assets | $100,687,600 | 4,488 |
| Average equity | $9,449,400 | 4,994 |
| Average total loans | $65,586,400 | 4,426 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 3,804 |
| Cost of funding earning assets | 0.5120% | 3,648 |
| Net interest margin | 3.5785% | 3,543 |
| Noninterest income to average assets | 0.3662% | 4,771 |
| Noninterest expense to average assets | 2.4512% | 4,872 |
| Loan and lease loss provision to assets | 0.0025% | 4,909 |
| Net operating income to assets | 0.8799% | 2,937 |
| Return on assets (ROA) | 0.8939% | 2,983 |
| Pretax return on assets | 1.2503% | 2,510 |
| Return on Equity (ROE) | 10.2482% | 2,086 |
| Retained earnings to average equity (ytd only) | 8.6227% | 1,188 |
| Net charge-offs to loans | 0.1902% | 2,702 |
| Credit loss provision to net charge-offs | 2.1739% | 4,314 |
| Earnings coverage of net charge-offs (x) | 10.8699% | 2,306 |
| Efficiency ratio | 66.5328% | 4,390 |
| Assets per employee ($millions) | 4.4525% | 2,952 |
| Cash dividends to net income (ytd only)* | 15.8622% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 3,618 |
| Loan loss allowance to noncurrent loans | 227.3349% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 5,145 |
| Noncurrent loans to loans | 0.6446% | 4,583 |
| Net loans and leases to total assets | 62.7990% | 3,201 |
| Net loans and leases to deposits | 70.5202% | 3,712 |
| Net loans and leases to core deposits | 71.6810% | 4,129 |
| Total domestic deposits to total assets | 89.0511% | 1,530 |
| Equity capital to assets | 8.8059% | 5,420 |
| Core capital (leverage) ratio | 8.7443% | 5,484 |
| Tier 1 risk-based capital ratio | 13.1800% | 4,994 |
| Total risk-based capital ratio | 14.4301% | 4,941 |
| Memoranda: | ||
| Average total assets | $108,133,500 | 4,586 |
| Average earning assets | $100,263,750 | 4,551 |
| Average equity | $9,432,250 | 5,046 |
| Average total loans | $64,483,250 | 4,510 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 3,869 |
| Cost of funding earning assets | 0.5191% | 3,710 |
| Net interest margin | 3.5424% | 3,596 |
| Noninterest income to average assets | 0.3427% | 4,945 |
| Noninterest expense to average assets | 2.4411% | 4,925 |
| Loan and lease loss provision to assets | 0.0037% | 4,740 |
| Net operating income to assets | 0.8463% | 3,063 |
| Return on assets (ROA) | 0.8622% | 3,136 |
| Pretax return on assets | 1.2012% | 2,672 |
| Return on Equity (ROE) | 9.9156% | 2,228 |
| Retained earnings to average equity (ytd only) | 7.4791% | 1,678 |
| Net charge-offs to loans | 0.2718% | 2,117 |
| Credit loss provision to net charge-offs | 2.3256% | 3,980 |
| Earnings coverage of net charge-offs (x) | 7.4651% | 2,543 |
| Efficiency ratio | 67.3615% | 4,294 |
| Assets per employee ($millions) | 4.4800% | 2,840 |
| Cash dividends to net income (ytd only)* | 24.5726% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,343 |
| Loan loss allowance to noncurrent loans | 218.2609% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 5,107 |
| Noncurrent loans to loans | 0.7120% | 4,508 |
| Net loans and leases to total assets | 59.1536% | 3,806 |
| Net loans and leases to deposits | 64.9139% | 4,387 |
| Net loans and leases to core deposits | 65.9484% | 4,695 |
| Total domestic deposits to total assets | 91.1263% | 504 |
| Equity capital to assets | 8.6096% | 5,660 |
| Core capital (leverage) ratio | 8.3096% | 5,877 |
| Tier 1 risk-based capital ratio | 13.2578% | 4,953 |
| Total risk-based capital ratio | 14.5098% | 4,890 |
| Memoranda: | ||
| Average total assets | $108,558,000 | 4,591 |
| Average earning assets | $100,552,330 | 4,568 |
| Average equity | $9,439,670 | 5,073 |
| Average total loans | $63,276,000 | 4,563 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 4,246 |
| Cost of funding earning assets | 0.5382% | 3,694 |
| Net interest margin | 3.4270% | 4,021 |
| Noninterest income to average assets | 0.3044% | 5,264 |
| Noninterest expense to average assets | 2.3616% | 5,229 |
| Loan and lease loss provision to assets | 0.0073% | 4,352 |
| Net operating income to assets | 0.8031% | 3,145 |
| Return on assets (ROA) | 0.8031% | 3,280 |
| Pretax return on assets | 1.1111% | 2,908 |
| Return on Equity (ROE) | 9.1911% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.1911% | 1,320 |
| Net charge-offs to loans | -0.0064% | 5,321 |
| Credit loss provision to net charge-offs | -200.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8609% | 4,331 |
| Assets per employee ($millions) | 4.8990% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7647% | 2,756 |
| Loan loss allowance to noncurrent loans | 156.7529% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6355% | 4,790 |
| Noncurrent loans to loans | 1.1258% | 3,903 |
| Net loans and leases to total assets | 53.9006% | 4,436 |
| Net loans and leases to deposits | 59.3188% | 4,871 |
| Net loans and leases to core deposits | 60.2205% | 5,124 |
| Total domestic deposits to total assets | 90.8658% | 585 |
| Equity capital to assets | 8.5298% | 5,991 |
| Core capital (leverage) ratio | 8.2200% | 5,918 |
| Tier 1 risk-based capital ratio | 13.2685% | 5,038 |
| Total risk-based capital ratio | 14.5240% | 4,983 |
| Memoranda: | ||
| Average total assets | $109,077,000 | 4,632 |
| Average earning assets | $101,079,000 | 4,592 |
| Average equity | $9,531,000 | 5,101 |
| Average total loans | $62,611,000 | 4,613 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 3,962 |
| Cost of funding earning assets | 0.6169% | 4,200 |
| Net interest margin | 3.7480% | 3,451 |
| Noninterest income to average assets | 0.3769% | 4,775 |
| Noninterest expense to average assets | 2.6304% | 4,641 |
| Loan and lease loss provision to assets | 0.0020% | 5,891 |
| Net operating income to assets | 0.8656% | 2,981 |
| Return on assets (ROA) | 0.8824% | 3,147 |
| Pretax return on assets | 1.2504% | 2,602 |
| Return on Equity (ROE) | 9.8076% | 2,253 |
| Retained earnings to average equity (ytd only) | 6.0984% | 2,019 |
| Net charge-offs to loans | -0.1509% | 6,897 |
| Credit loss provision to net charge-offs | -2.1505% | 6,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4466% | 4,241 |
| Assets per employee ($millions) | 4.3949% | 3,156 |
| Cash dividends to net income (ytd only)* | 37.8198% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 2,875 |
| Loan loss allowance to noncurrent loans | 151.5320% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6807% | 4,781 |
| Noncurrent loans to loans | 1.1325% | 3,951 |
| Net loans and leases to total assets | 59.0739% | 3,778 |
| Net loans and leases to deposits | 65.3713% | 4,374 |
| Net loans and leases to core deposits | 66.4371% | 4,697 |
| Total domestic deposits to total assets | 90.3667% | 765 |
| Equity capital to assets | 8.9602% | 5,565 |
| Core capital (leverage) ratio | 8.2137% | 5,985 |
| Tier 1 risk-based capital ratio | 13.4065% | 4,819 |
| Total risk-based capital ratio | 14.6624% | 4,765 |
| Memoranda: | ||
| Average total assets | $101,887,000 | 4,780 |
| Average earning assets | $94,664,600 | 4,739 |
| Average equity | $9,166,400 | 5,183 |
| Average total loans | $61,641,200 | 4,651 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 4,013 |
| Cost of funding earning assets | 0.6260% | 4,402 |
| Net interest margin | 3.7817% | 3,414 |
| Noninterest income to average assets | 0.3750% | 4,828 |
| Noninterest expense to average assets | 2.5533% | 4,905 |
| Loan and lease loss provision to assets | 0.0026% | 5,769 |
| Net operating income to assets | 0.9250% | 2,851 |
| Return on assets (ROA) | 0.9453% | 2,994 |
| Pretax return on assets | 1.3572% | 2,383 |
| Return on Equity (ROE) | 10.4960% | 2,137 |
| Retained earnings to average equity (ytd only) | 5.5119% | 3,027 |
| Net charge-offs to loans | -0.1982% | 6,986 |
| Credit loss provision to net charge-offs | -2.1978% | 6,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7859% | 4,660 |
| Assets per employee ($millions) | 4.4505% | 2,997 |
| Cash dividends to net income (ytd only)* | 47.4860% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7579% | 2,934 |
| Loan loss allowance to noncurrent loans | 137.9924% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.7688% | 4,784 |
| Noncurrent loans to loans | 1.2739% | 3,918 |
| Net loans and leases to total assets | 59.2931% | 3,909 |
| Net loans and leases to deposits | 66.0784% | 4,463 |
| Net loans and leases to core deposits | 67.1925% | 4,816 |
| Total domestic deposits to total assets | 89.7314% | 980 |
| Equity capital to assets | 9.1441% | 5,656 |
| Core capital (leverage) ratio | 8.4372% | 5,841 |
| Tier 1 risk-based capital ratio | 13.5360% | 4,862 |
| Total risk-based capital ratio | 14.7915% | 4,815 |
| Memoranda: | ||
| Average total assets | $100,989,250 | 4,855 |
| Average earning assets | $93,713,250 | 4,804 |
| Average equity | $9,095,250 | 5,242 |
| Average total loans | $61,202,000 | 4,717 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 4,306 |
| Cost of funding earning assets | 0.6405% | 4,524 |
| Net interest margin | 3.7298% | 3,686 |
| Noninterest income to average assets | 0.3720% | 4,860 |
| Noninterest expense to average assets | 2.5902% | 4,807 |
| Loan and lease loss provision to assets | 0.0040% | 5,594 |
| Net operating income to assets | 0.8785% | 3,006 |
| Return on assets (ROA) | 0.9092% | 3,133 |
| Pretax return on assets | 1.2971% | 2,565 |
| Return on Equity (ROE) | 10.1477% | 2,296 |
| Retained earnings to average equity (ytd only) | 7.5941% | 1,818 |
| Net charge-offs to loans | -0.0623% | 6,725 |
| Credit loss provision to net charge-offs | -10.5263% | 5,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3392% | 4,477 |
| Assets per employee ($millions) | 3.8450% | 4,209 |
| Cash dividends to net income (ytd only)* | 25.1641% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 3,384 |
| Loan loss allowance to noncurrent loans | 127.7078% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.8432% | 4,702 |
| Noncurrent loans to loans | 1.3011% | 3,975 |
| Net loans and leases to total assets | 60.0284% | 3,815 |
| Net loans and leases to deposits | 66.6848% | 4,422 |
| Net loans and leases to core deposits | 67.8305% | 4,806 |
| Total domestic deposits to total assets | 90.0181% | 914 |
| Equity capital to assets | 9.2237% | 5,439 |
| Core capital (leverage) ratio | 8.5342% | 5,604 |
| Tier 1 risk-based capital ratio | 13.8581% | 4,548 |
| Total risk-based capital ratio | 15.1272% | 4,508 |
| Memoranda: | ||
| Average total assets | $100,532,000 | 4,888 |
| Average earning assets | $93,678,670 | 4,828 |
| Average equity | $9,007,000 | 5,265 |
| Average total loans | $61,009,670 | 4,741 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 4,866 |
| Cost of funding earning assets | 0.6609% | 4,629 |
| Net interest margin | 3.6051% | 4,246 |
| Noninterest income to average assets | 0.3333% | 5,195 |
| Noninterest expense to average assets | 2.4402% | 5,341 |
| Loan and lease loss provision to assets | 0.0079% | 5,185 |
| Net operating income to assets | 0.8832% | 3,001 |
| Return on assets (ROA) | 0.9443% | 2,930 |
| Pretax return on assets | 1.3490% | 2,365 |
| Return on Equity (ROE) | 10.6966% | 2,139 |
| Retained earnings to average equity (ytd only) | 5.5281% | 3,240 |
| Net charge-offs to loans | -0.1180% | 6,845 |
| Credit loss provision to net charge-offs | -11.1111% | 5,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8128% | 4,776 |
| Assets per employee ($millions) | 4.1633% | 3,658 |
| Cash dividends to net income (ytd only)* | 48.3193% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 3,264 |
| Loan loss allowance to noncurrent loans | 120.4518% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 4,850 |
| Noncurrent loans to loans | 1.4291% | 3,970 |
| Net loans and leases to total assets | 57.8833% | 4,054 |
| Net loans and leases to deposits | 64.3269% | 4,588 |
| Net loans and leases to core deposits | 66.1864% | 4,894 |
| Total domestic deposits to total assets | 89.9830% | 1,098 |
| Equity capital to assets | 8.9251% | 5,604 |
| Core capital (leverage) ratio | 8.2711% | 5,923 |
| Tier 1 risk-based capital ratio | 14.2427% | 4,282 |
| Total risk-based capital ratio | 15.5158% | 4,239 |
| Memoranda: | ||
| Average total assets | $100,812,500 | 4,918 |
| Average earning assets | $94,423,000 | 4,837 |
| Average equity | $8,900,000 | 5,316 |
| Average total loans | $61,002,000 | 4,769 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 3,548 |
| Cost of funding earning assets | 0.8529% | 4,451 |
| Net interest margin | 4.0059% | 2,852 |
| Noninterest income to average assets | 0.3925% | 4,679 |
| Noninterest expense to average assets | 2.6677% | 4,859 |
| Loan and lease loss provision to assets | 0.1869% | 4,318 |
| Net operating income to assets | 0.8670% | 2,748 |
| Return on assets (ROA) | 0.9027% | 2,722 |
| Pretax return on assets | 1.3003% | 2,131 |
| Return on Equity (ROE) | 10.4189% | 1,910 |
| Retained earnings to average equity (ytd only) | 8.4996% | 923 |
| Net charge-offs to loans | 0.0665% | 5,642 |
| Credit loss provision to net charge-offs | 430.9524% | 527 |
| Earnings coverage of net charge-offs (x) | 33.0952% | 779 |
| Efficiency ratio | 64.0826% | 5,110 |
| Assets per employee ($millions) | 3.7669% | 4,394 |
| Cash dividends to net income (ytd only)* | 18.4211% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 3,696 |
| Loan loss allowance to noncurrent loans | 135.8413% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 5,203 |
| Noncurrent loans to loans | 1.1575% | 4,432 |
| Net loans and leases to total assets | 61.1189% | 3,755 |
| Net loans and leases to deposits | 67.8095% | 4,467 |
| Net loans and leases to core deposits | 69.5313% | 4,843 |
| Total domestic deposits to total assets | 90.1332% | 925 |
| Equity capital to assets | 8.7331% | 5,864 |
| Core capital (leverage) ratio | 8.1221% | 6,113 |
| Tier 1 risk-based capital ratio | 12.8765% | 5,173 |
| Total risk-based capital ratio | 14.1082% | 5,168 |
| Memoranda: | ||
| Average total assets | $96,824,000 | 4,983 |
| Average earning assets | $89,693,000 | 4,945 |
| Average equity | $8,388,600 | 5,442 |
| Average total loans | $63,199,600 | 4,740 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 3,158 |
| Cost of funding earning assets | 0.8949% | 4,436 |
| Net interest margin | 4.0907% | 2,512 |
| Noninterest income to average assets | 0.3905% | 4,738 |
| Noninterest expense to average assets | 2.6735% | 4,828 |
| Loan and lease loss provision to assets | 0.2524% | 3,484 |
| Net operating income to assets | 0.8574% | 2,915 |
| Return on assets (ROA) | 0.8940% | 2,914 |
| Pretax return on assets | 1.2914% | 2,316 |
| Return on Equity (ROE) | 10.3403% | 2,089 |
| Retained earnings to average equity (ytd only) | 7.7430% | 1,609 |
| Net charge-offs to loans | 0.0654% | 5,308 |
| Credit loss provision to net charge-offs | 583.8710% | 468 |
| Earnings coverage of net charge-offs (x) | 34.4858% | 848 |
| Efficiency ratio | 63.2619% | 5,186 |
| Assets per employee ($millions) | 4.0370% | 3,768 |
| Cash dividends to net income (ytd only)* | 25.1167% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 3,611 |
| Loan loss allowance to noncurrent loans | 1,240.7407% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 6,844 |
| Noncurrent loans to loans | 0.1298% | 6,612 |
| Net loans and leases to total assets | 63.3746% | 3,440 |
| Net loans and leases to deposits | 70.6074% | 4,198 |
| Net loans and leases to core deposits | 73.3705% | 4,543 |
| Total domestic deposits to total assets | 89.7563% | 1,007 |
| Equity capital to assets | 8.9453% | 5,812 |
| Core capital (leverage) ratio | 8.1336% | 6,243 |
| Tier 1 risk-based capital ratio | 12.6582% | 5,358 |
| Total risk-based capital ratio | 13.8901% | 5,362 |
| Memoranda: | ||
| Average total assets | $95,603,750 | 5,055 |
| Average earning assets | $88,197,500 | 5,021 |
| Average equity | $8,265,250 | 5,521 |
| Average total loans | $63,211,000 | 4,791 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9807% | 3,250 |
| Cost of funding earning assets | 0.9221% | 4,505 |
| Net interest margin | 4.0586% | 2,579 |
| Noninterest income to average assets | 0.3972% | 4,704 |
| Noninterest expense to average assets | 2.5826% | 5,250 |
| Loan and lease loss provision to assets | 0.2543% | 3,371 |
| Net operating income to assets | 0.9057% | 2,613 |
| Return on assets (ROA) | 0.9057% | 2,718 |
| Pretax return on assets | 1.3155% | 2,092 |
| Return on Equity (ROE) | 10.6010% | 1,925 |
| Retained earnings to average equity (ytd only) | 8.7317% | 1,198 |
| Net charge-offs to loans | 0.0756% | 4,884 |
| Credit loss provision to net charge-offs | 504.1667% | 600 |
| Earnings coverage of net charge-offs (x) | 31.1250% | 894 |
| Efficiency ratio | 61.2348% | 5,695 |
| Assets per employee ($millions) | 3.7471% | 4,326 |
| Cash dividends to net income (ytd only)* | 17.6334% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 3,973 |
| Loan loss allowance to noncurrent loans | 2,319.5122% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 6,989 |
| Noncurrent loans to loans | 0.0661% | 6,817 |
| Net loans and leases to total assets | 62.7098% | 3,739 |
| Net loans and leases to deposits | 69.3836% | 4,516 |
| Net loans and leases to core deposits | 72.1549% | 4,796 |
| Total domestic deposits to total assets | 90.3813% | 772 |
| Equity capital to assets | 8.6159% | 6,041 |
| Core capital (leverage) ratio | 8.0900% | 6,179 |
| Tier 1 risk-based capital ratio | 12.7016% | 5,175 |
| Total risk-based capital ratio | 13.9562% | 5,142 |
| Memoranda: | ||
| Average total assets | $95,175,330 | 5,099 |
| Average earning assets | $88,060,000 | 5,056 |
| Average equity | $8,131,330 | 5,570 |
| Average total loans | $63,478,670 | 4,814 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9921% | 3,139 |
| Cost of funding earning assets | 0.9463% | 4,597 |
| Net interest margin | 4.0458% | 2,487 |
| Noninterest income to average assets | 0.3785% | 4,888 |
| Noninterest expense to average assets | 2.6029% | 5,212 |
| Loan and lease loss provision to assets | 0.2552% | 3,103 |
| Net operating income to assets | 0.8676% | 2,712 |
| Return on assets (ROA) | 0.8676% | 2,771 |
| Pretax return on assets | 1.2844% | 2,087 |
| Return on Equity (ROE) | 10.2000% | 2,032 |
| Retained earnings to average equity (ytd only) | 6.4000% | 2,422 |
| Net charge-offs to loans | -0.0748% | 7,004 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9097% | 5,697 |
| Assets per employee ($millions) | 3.6578% | 4,634 |
| Cash dividends to net income (ytd only)* | 37.2549% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 4,332 |
| Loan loss allowance to noncurrent loans | 264.5714% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 6,287 |
| Noncurrent loans to loans | 0.5567% | 5,911 |
| Net loans and leases to total assets | 65.1378% | 3,214 |
| Net loans and leases to deposits | 71.9765% | 4,080 |
| Net loans and leases to core deposits | 76.8328% | 4,190 |
| Total domestic deposits to total assets | 90.4987% | 839 |
| Equity capital to assets | 8.4929% | 5,917 |
| Core capital (leverage) ratio | 7.9730% | 6,288 |
| Tier 1 risk-based capital ratio | 12.2794% | 5,456 |
| Total risk-based capital ratio | 13.5323% | 5,448 |
| Memoranda: | ||
| Average total assets | $94,050,500 | 5,169 |
| Average earning assets | $87,497,500 | 5,109 |
| Average equity | $8,000,000 | 5,607 |
| Average total loans | $64,195,000 | 4,830 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5064% | 2,255 |
| Cost of funding earning assets | 1.1691% | 4,741 |
| Net interest margin | 4.3373% | 1,690 |
| Noninterest income to average assets | 0.4391% | 4,599 |
| Noninterest expense to average assets | 2.8378% | 4,445 |
| Loan and lease loss provision to assets | 0.5079% | 3,126 |
| Net operating income to assets | 0.7017% | 3,225 |
| Return on assets (ROA) | 0.7559% | 3,096 |
| Pretax return on assets | 1.1294% | 2,464 |
| Return on Equity (ROE) | 8.8891% | 2,339 |
| Retained earnings to average equity (ytd only) | 6.9237% | 1,354 |
| Net charge-offs to loans | 0.6565% | 3,039 |
| Credit loss provision to net charge-offs | 108.6449% | 4,065 |
| Earnings coverage of net charge-offs (x) | 3.3294% | 3,415 |
| Efficiency ratio | 63.6590% | 5,409 |
| Assets per employee ($millions) | 3.5768% | 4,761 |
| Cash dividends to net income (ytd only)* | 22.1098% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 4,985 |
| Loan loss allowance to noncurrent loans | 558.1699% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 6,817 |
| Noncurrent loans to loans | 0.2335% | 6,593 |
| Net loans and leases to total assets | 69.5305% | 2,649 |
| Net loans and leases to deposits | 76.7046% | 3,729 |
| Net loans and leases to core deposits | 79.6467% | 4,256 |
| Total domestic deposits to total assets | 90.6471% | 770 |
| Equity capital to assets | 8.5195% | 5,829 |
| Core capital (leverage) ratio | 7.7148% | 6,532 |
| Tier 1 risk-based capital ratio | 11.3711% | 6,021 |
| Total risk-based capital ratio | 12.6208% | 6,012 |
| Memoranda: | ||
| Average total assets | $91,550,600 | 5,240 |
| Average earning assets | $83,484,600 | 5,231 |
| Average equity | $7,784,800 | 5,780 |
| Average total loans | $65,195,800 | 4,859 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 2,088 |
| Cost of funding earning assets | 1.2059% | 4,841 |
| Net interest margin | 4.3876% | 1,557 |
| Noninterest income to average assets | 0.4401% | 4,637 |
| Noninterest expense to average assets | 2.7927% | 4,519 |
| Loan and lease loss provision to assets | 0.4460% | 3,240 |
| Net operating income to assets | 0.7752% | 3,111 |
| Return on assets (ROA) | 0.8466% | 2,951 |
| Pretax return on assets | 1.2838% | 2,214 |
| Return on Equity (ROE) | 9.9607% | 2,137 |
| Retained earnings to average equity (ytd only) | 7.3287% | 1,685 |
| Net charge-offs to loans | 0.2641% | 4,364 |
| Credit loss provision to net charge-offs | 236.4341% | 1,428 |
| Earnings coverage of net charge-offs (x) | 8.5967% | 2,139 |
| Efficiency ratio | 62.3385% | 5,558 |
| Assets per employee ($millions) | 3.4899% | 5,006 |
| Cash dividends to net income (ytd only)* | 26.4243% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 3,945 |
| Loan loss allowance to noncurrent loans | 230.0926% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 6,279 |
| Noncurrent loans to loans | 0.6530% | 5,902 |
| Net loans and leases to total assets | 69.1561% | 2,947 |
| Net loans and leases to deposits | 76.4214% | 4,097 |
| Net loans and leases to core deposits | 79.2863% | 4,620 |
| Total domestic deposits to total assets | 90.4931% | 642 |
| Equity capital to assets | 8.4350% | 6,350 |
| Core capital (leverage) ratio | 7.9085% | 6,455 |
| Tier 1 risk-based capital ratio | 11.2222% | 6,169 |
| Total risk-based capital ratio | 12.4872% | 6,155 |
| Memoranda: | ||
| Average total assets | $91,188,750 | 5,320 |
| Average earning assets | $82,593,500 | 5,322 |
| Average equity | $7,750,250 | 5,872 |
| Average total loans | $65,115,750 | 4,936 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6627% | 1,902 |
| Cost of funding earning assets | 1.2244% | 4,992 |
| Net interest margin | 4.4382% | 1,354 |
| Noninterest income to average assets | 0.4170% | 4,783 |
| Noninterest expense to average assets | 2.7701% | 4,621 |
| Loan and lease loss provision to assets | 0.4768% | 2,924 |
| Net operating income to assets | 0.7884% | 3,021 |
| Return on assets (ROA) | 0.8894% | 2,712 |
| Pretax return on assets | 1.3507% | 1,951 |
| Return on Equity (ROE) | 10.4368% | 1,949 |
| Retained earnings to average equity (ytd only) | 7.9643% | 1,452 |
| Net charge-offs to loans | 0.3736% | 3,492 |
| Credit loss provision to net charge-offs | 177.6860% | 2,206 |
| Earnings coverage of net charge-offs (x) | 6.2397% | 2,499 |
| Efficiency ratio | 61.3772% | 5,797 |
| Assets per employee ($millions) | 3.5083% | 4,908 |
| Cash dividends to net income (ytd only)* | 23.6908% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 4,560 |
| Loan loss allowance to noncurrent loans | 199.3435% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 6,206 |
| Noncurrent loans to loans | 0.6888% | 5,871 |
| Net loans and leases to total assets | 71.7421% | 2,473 |
| Net loans and leases to deposits | 79.2715% | 3,742 |
| Net loans and leases to core deposits | 83.1387% | 4,260 |
| Total domestic deposits to total assets | 90.5018% | 683 |
| Equity capital to assets | 8.5565% | 6,091 |
| Core capital (leverage) ratio | 7.9034% | 6,379 |
| Tier 1 risk-based capital ratio | 10.8760% | 6,377 |
| Total risk-based capital ratio | 12.1277% | 6,362 |
| Memoranda: | ||
| Average total assets | $90,176,330 | 5,382 |
| Average earning assets | $81,834,330 | 5,378 |
| Average equity | $7,684,330 | 5,905 |
| Average total loans | $64,768,670 | 4,989 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6416% | 1,982 |
| Cost of funding earning assets | 1.2364% | 5,196 |
| Net interest margin | 4.4052% | 1,375 |
| Noninterest income to average assets | 0.4194% | 4,738 |
| Noninterest expense to average assets | 2.7795% | 4,563 |
| Loan and lease loss provision to assets | 0.4015% | 2,964 |
| Net operating income to assets | 0.8504% | 2,750 |
| Return on assets (ROA) | 0.9012% | 2,611 |
| Pretax return on assets | 1.3518% | 1,895 |
| Return on Equity (ROE) | 10.5981% | 1,912 |
| Retained earnings to average equity (ytd only) | 10.5981% | 1,016 |
| Net charge-offs to loans | 0.1876% | 3,796 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 12.5333% | 1,558 |
| Efficiency ratio | 61.4615% | 5,917 |
| Assets per employee ($millions) | 3.3220% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 4,615 |
| Loan loss allowance to noncurrent loans | 183.8574% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 6,173 |
| Noncurrent loans to loans | 0.7410% | 5,838 |
| Net loans and leases to total assets | 70.7932% | 2,738 |
| Net loans and leases to deposits | 78.2371% | 3,998 |
| Net loans and leases to core deposits | 82.6754% | 4,397 |
| Total domestic deposits to total assets | 90.4855% | 745 |
| Equity capital to assets | 8.6025% | 5,866 |
| Core capital (leverage) ratio | 7.9372% | 6,330 |
| Tier 1 risk-based capital ratio | 10.9786% | 6,179 |
| Total risk-based capital ratio | 12.2042% | 6,175 |
| Memoranda: | ||
| Average total assets | $89,656,000 | 5,468 |
| Average earning assets | $82,175,000 | 5,433 |
| Average equity | $7,624,000 | 5,971 |
| Average total loans | $63,977,000 | 5,082 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8708% | 2,367 |
| Cost of funding earning assets | 1.5687% | 5,189 |
| Net interest margin | 4.3022% | 1,710 |
| Noninterest income to average assets | 0.4134% | 5,094 |
| Noninterest expense to average assets | 2.8299% | 4,834 |
| Loan and lease loss provision to assets | 0.1219% | 6,425 |
| Net operating income to assets | 0.8451% | 2,371 |
| Return on assets (ROA) | 0.8512% | 2,424 |
| Pretax return on assets | 1.3052% | 1,677 |
| Return on Equity (ROE) | 9.9674% | 1,703 |
| Retained earnings to average equity (ytd only) | 7.3157% | 872 |
| Net charge-offs to loans | 0.0848% | 6,267 |
| Credit loss provision to net charge-offs | 201.9231% | 1,927 |
| Earnings coverage of net charge-offs (x) | 23.4808% | 929 |
| Efficiency ratio | 65.6096% | 5,472 |
| Assets per employee ($millions) | 3.4468% | 5,136 |
| Cash dividends to net income (ytd only)* | 26.6030% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 4,836 |
| Loan loss allowance to noncurrent loans | 132.3625% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 5,727 |
| Noncurrent loans to loans | 0.9720% | 5,371 |
| Net loans and leases to total assets | 70.0325% | 3,251 |
| Net loans and leases to deposits | 77.5689% | 4,461 |
| Net loans and leases to core deposits | 89.4375% | 5,186 |
| Total domestic deposits to total assets | 90.2842% | 845 |
| Equity capital to assets | 8.4047% | 6,053 |
| Core capital (leverage) ratio | 7.6007% | 6,681 |
| Tier 1 risk-based capital ratio | 10.7170% | 6,191 |
| Total risk-based capital ratio | 11.9331% | 6,200 |
| Memoranda: | ||
| Average total assets | $86,116,800 | 5,520 |
| Average earning assets | $76,752,200 | 5,569 |
| Average equity | $7,354,000 | 6,150 |
| Average total loans | $61,342,200 | 5,196 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9176% | 2,366 |
| Cost of funding earning assets | 1.6245% | 5,288 |
| Net interest margin | 4.2931% | 1,745 |
| Noninterest income to average assets | 0.4724% | 4,731 |
| Noninterest expense to average assets | 2.8546% | 4,646 |
| Loan and lease loss provision to assets | 0.1173% | 6,193 |
| Net operating income to assets | 0.8660% | 2,552 |
| Return on assets (ROA) | 0.8743% | 2,597 |
| Pretax return on assets | 1.3076% | 1,939 |
| Return on Equity (ROE) | 10.1965% | 1,848 |
| Retained earnings to average equity (ytd only) | 6.6396% | 1,652 |
| Net charge-offs to loans | 0.0285% | 6,481 |
| Credit loss provision to net charge-offs | 576.9231% | 675 |
| Earnings coverage of net charge-offs (x) | 69.4732% | 484 |
| Efficiency ratio | 65.8724% | 5,389 |
| Assets per employee ($millions) | 3.3795% | 5,206 |
| Cash dividends to net income (ytd only)* | 34.8835% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 4,391 |
| Loan loss allowance to noncurrent loans | 109.1149% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.8615% | 5,358 |
| Noncurrent loans to loans | 1.2078% | 4,931 |
| Net loans and leases to total assets | 70.3882% | 3,416 |
| Net loans and leases to deposits | 78.0426% | 4,733 |
| Net loans and leases to core deposits | 89.4960% | 5,485 |
| Total domestic deposits to total assets | 90.1920% | 700 |
| Equity capital to assets | 8.3934% | 6,393 |
| Core capital (leverage) ratio | 7.6835% | 6,747 |
| Tier 1 risk-based capital ratio | 10.7238% | 6,226 |
| Total risk-based capital ratio | 11.9390% | 6,237 |
| Memoranda: | ||
| Average total assets | $85,241,750 | 5,580 |
| Average earning assets | $75,344,000 | 5,659 |
| Average equity | $7,309,500 | 6,225 |
| Average total loans | $60,783,000 | 5,249 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8969% | 2,597 |
| Cost of funding earning assets | 1.6565% | 5,487 |
| Net interest margin | 4.2404% | 1,847 |
| Noninterest income to average assets | 0.4623% | 4,764 |
| Noninterest expense to average assets | 2.8495% | 4,744 |
| Loan and lease loss provision to assets | 0.1778% | 5,270 |
| Net operating income to assets | 0.7965% | 2,868 |
| Return on assets (ROA) | 0.8013% | 2,946 |
| Pretax return on assets | 1.1924% | 2,321 |
| Return on Equity (ROE) | 9.2759% | 2,266 |
| Retained earnings to average equity (ytd only) | 6.5590% | 1,765 |
| Net charge-offs to loans | -0.0066% | 7,562 |
| Credit loss provision to net charge-offs | -3,750.0000% | 7,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5729% | 5,448 |
| Assets per employee ($millions) | 3.2858% | 5,356 |
| Cash dividends to net income (ytd only)* | 29.2899% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 3,795 |
| Loan loss allowance to noncurrent loans | 119.8006% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.8217% | 5,344 |
| Noncurrent loans to loans | 1.1582% | 4,897 |
| Net loans and leases to total assets | 69.9625% | 3,714 |
| Net loans and leases to deposits | 77.4671% | 4,947 |
| Net loans and leases to core deposits | 87.9318% | 5,732 |
| Total domestic deposits to total assets | 90.3125% | 702 |
| Equity capital to assets | 8.6574% | 5,814 |
| Core capital (leverage) ratio | 7.9385% | 6,433 |
| Tier 1 risk-based capital ratio | 11.3780% | 5,521 |
| Total risk-based capital ratio | 12.6296% | 5,427 |
| Memoranda: | ||
| Average total assets | $84,366,670 | 5,633 |
| Average earning assets | $74,616,000 | 5,722 |
| Average equity | $7,287,670 | 6,273 |
| Average total loans | $60,152,670 | 5,323 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8991% | 2,800 |
| Cost of funding earning assets | 1.6800% | 5,693 |
| Net interest margin | 4.2191% | 1,835 |
| Noninterest income to average assets | 0.4246% | 5,006 |
| Noninterest expense to average assets | 2.7769% | 4,667 |
| Loan and lease loss provision to assets | 0.3578% | 3,174 |
| Net operating income to assets | 0.6838% | 3,637 |
| Return on assets (ROA) | 0.6871% | 3,801 |
| Pretax return on assets | 0.9972% | 3,355 |
| Return on Equity (ROE) | 7.9630% | 3,168 |
| Retained earnings to average equity (ytd only) | 2.4884% | 4,487 |
| Net charge-offs to loans | -0.0200% | 7,439 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2428% | 5,283 |
| Assets per employee ($millions) | 3.2408% | 5,484 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 3,415 |
| Loan loss allowance to noncurrent loans | 117.0833% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 5,058 |
| Noncurrent loans to loans | 1.2092% | 4,552 |
| Net loans and leases to total assets | 69.6625% | 3,760 |
| Net loans and leases to deposits | 77.1553% | 5,066 |
| Net loans and leases to core deposits | 87.9794% | 5,741 |
| Total domestic deposits to total assets | 90.2886% | 684 |
| Equity capital to assets | 8.6385% | 5,860 |
| Core capital (leverage) ratio | 8.0226% | 6,411 |
| Tier 1 risk-based capital ratio | 11.2146% | 5,689 |
| Total risk-based capital ratio | 12.4230% | 5,648 |
| Memoranda: | ||
| Average total assets | $83,835,000 | 5,677 |
| Average earning assets | $73,570,500 | 5,790 |
| Average equity | $7,233,500 | 6,325 |
| Average total loans | $59,924,000 | 5,360 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2322% | 4,342 |
| Cost of funding earning assets | 1.9791% | 6,475 |
| Net interest margin | 4.2532% | 2,111 |
| Noninterest income to average assets | 0.5159% | 4,502 |
| Noninterest expense to average assets | 2.8840% | 4,506 |
| Loan and lease loss provision to assets | 0.3885% | 3,359 |
| Net operating income to assets | 0.8102% | 3,395 |
| Return on assets (ROA) | 0.8165% | 3,204 |
| Pretax return on assets | 1.1452% | 2,854 |
| Return on Equity (ROE) | 9.3142% | 2,519 |
| Retained earnings to average equity (ytd only) | 5.7251% | 1,655 |
| Net charge-offs to loans | 0.1287% | 4,946 |
| Credit loss provision to net charge-offs | 423.6111% | 1,030 |
| Earnings coverage of net charge-offs (x) | 16.6250% | 1,830 |
| Efficiency ratio | 63.5943% | 5,648 |
| Assets per employee ($millions) | 3.2080% | 5,465 |
| Cash dividends to net income (ytd only)* | 38.5335% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 4,001 |
| Loan loss allowance to noncurrent loans | 144.8864% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 5,312 |
| Noncurrent loans to loans | 0.8755% | 4,862 |
| Net loans and leases to total assets | 71.3852% | 3,714 |
| Net loans and leases to deposits | 78.8926% | 5,214 |
| Net loans and leases to core deposits | 87.2907% | 6,035 |
| Total domestic deposits to total assets | 90.4841% | 497 |
| Equity capital to assets | 8.6179% | 5,903 |
| Core capital (leverage) ratio | 7.9813% | 6,526 |
| Tier 1 risk-based capital ratio | 10.9477% | 5,775 |
| Total risk-based capital ratio | 12.1950% | 5,686 |
| Memoranda: | ||
| Average total assets | $78,502,600 | 5,748 |
| Average earning assets | $71,852,200 | 5,742 |
| Average equity | $6,882,000 | 6,496 |
| Average total loans | $55,931,000 | 5,452 |