Home > Dundee Bank > Performance and Condition Ratios
Dundee 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 | 6.0204% | 618 |
| Cost of funding earning assets | 2.6375% | 280 |
| Net interest margin | 3.3829% | 2,439 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.1220% | 3,352 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.4775% | 1,060 |
| Return on assets (ROA) | 1.4787% | 1,031 |
| Pretax return on assets | 1.5120% | 1,389 |
| Return on Equity (ROE) | 17.5900% | 877 |
| Retained earnings to average equity (ytd only) | 6.2221% | 2,165 |
| Net charge-offs to loans | 0.0153% | 2,092 |
| Credit loss provision to net charge-offs | 914.8148% | 439 |
| Earnings coverage of net charge-offs (x) | 126.1852% | 797 |
| Efficiency ratio | 56.1293% | 3,484 |
| Assets per employee ($millions) | 10.7402% | 573 |
| Cash dividends to net income (ytd only)* | 64.6329% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 1,561 |
| Loan loss allowance to noncurrent loans | 8,438.6364% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 3,594 |
| Noncurrent loans to loans | 0.0161% | 3,632 |
| Net loans and leases to total assets | 85.2500% | 196 |
| Net loans and leases to deposits | 99.4027% | 568 |
| Net loans and leases to core deposits | 117.9810% | 689 |
| Total domestic deposits to total assets | 85.7700% | 2,079 |
| Equity capital to assets | 8.6024% | 2,974 |
| Core capital (leverage) ratio | 9.1518% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $616,266,600 | 1,448 |
| Average earning assets | $592,002,000 | 1,391 |
| Average equity | $51,799,600 | 1,565 |
| Average total loans | $529,411,600 | 1,181 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9082% | 598 |
| Cost of funding earning assets | 2.4781% | 287 |
| Net interest margin | 3.4301% | 2,395 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.1336% | 3,257 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.5235% | 1,076 |
| Return on assets (ROA) | 1.5252% | 1,060 |
| Pretax return on assets | 1.5592% | 1,446 |
| Return on Equity (ROE) | 18.2600% | 918 |
| Retained earnings to average equity (ytd only) | 6.6897% | 2,401 |
| Net charge-offs to loans | 0.0023% | 2,471 |
| Credit loss provision to net charge-offs | 5,477.7778% | 100 |
| Earnings coverage of net charge-offs (x) | 854.1111% | 189 |
| Efficiency ratio | 56.0215% | 3,401 |
| Assets per employee ($millions) | 10.3544% | 603 |
| Cash dividends to net income (ytd only)* | 63.3571% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 1,692 |
| Loan loss allowance to noncurrent loans | 2,777.7778% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,320 |
| Noncurrent loans to loans | 0.0483% | 3,410 |
| Net loans and leases to total assets | 85.8200% | 170 |
| Net loans and leases to deposits | 98.5786% | 579 |
| Net loans and leases to core deposits | 117.8670% | 611 |
| Total domestic deposits to total assets | 87.0600% | 1,874 |
| Equity capital to assets | 8.1204% | 2,967 |
| Core capital (leverage) ratio | 9.1417% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $611,915,250 | 1,452 |
| Average earning assets | $588,544,750 | 1,403 |
| Average equity | $51,121,750 | 1,567 |
| Average total loans | $524,849,500 | 1,184 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7152% | 622 |
| Cost of funding earning assets | 2.2776% | 290 |
| Net interest margin | 3.4376% | 2,423 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.1426% | 3,237 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.5908% | 961 |
| Return on assets (ROA) | 1.5933% | 961 |
| Pretax return on assets | 1.6590% | 1,301 |
| Return on Equity (ROE) | 18.8900% | 845 |
| Retained earnings to average equity (ytd only) | 8.2188% | 1,900 |
| Net charge-offs to loans | 0.0035% | 2,192 |
| Credit loss provision to net charge-offs | 2,255.5556% | 233 |
| Earnings coverage of net charge-offs (x) | 588.2222% | 249 |
| Efficiency ratio | 55.1963% | 3,513 |
| Assets per employee ($millions) | 10.3463% | 600 |
| Cash dividends to net income (ytd only)* | 56.4948% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 1,843 |
| Loan loss allowance to noncurrent loans | 3,643.9791% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 3,479 |
| Noncurrent loans to loans | 0.0362% | 3,475 |
| Net loans and leases to total assets | 83.8200% | 284 |
| Net loans and leases to deposits | 94.1226% | 852 |
| Net loans and leases to core deposits | 114.3436% | 676 |
| Total domestic deposits to total assets | 89.0500% | 1,244 |
| Equity capital to assets | 8.4041% | 2,943 |
| Core capital (leverage) ratio | 9.2931% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $608,799,333 | 1,455 |
| Average earning assets | $585,871,667 | 1,410 |
| Average equity | $51,346,000 | 1,566 |
| Average total loans | $519,659,333 | 1,178 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6120% | 515 |
| Cost of funding earning assets | 2.1800% | 204 |
| Net interest margin | 3.4320% | 2,554 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.1605% | 3,223 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.7997% | 668 |
| Return on assets (ROA) | 1.8049% | 650 |
| Pretax return on assets | 1.8420% | 1,000 |
| Return on Equity (ROE) | 21.3600% | 633 |
| Retained earnings to average equity (ytd only) | 10.8377% | 1,508 |
| Net charge-offs to loans | 0.0070% | 1,686 |
| Credit loss provision to net charge-offs | 777.7778% | 422 |
| Earnings coverage of net charge-offs (x) | 320.6667% | 351 |
| Efficiency ratio | 53.0120% | 3,707 |
| Assets per employee ($millions) | 9.7691% | 748 |
| Cash dividends to net income (ytd only)* | 49.2647% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,010 |
| Loan loss allowance to noncurrent loans | 3,330.2439% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 3,441 |
| Noncurrent loans to loans | 0.0392% | 3,463 |
| Net loans and leases to total assets | 85.1900% | 177 |
| Net loans and leases to deposits | 96.2081% | 634 |
| Net loans and leases to core deposits | 120.2519% | 422 |
| Total domestic deposits to total assets | 88.5500% | 1,717 |
| Equity capital to assets | 8.5761% | 2,834 |
| Core capital (leverage) ratio | 9.1133% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $602,809,500 | 1,492 |
| Average earning assets | $580,180,500 | 1,441 |
| Average equity | $50,933,500 | 1,586 |
| Average total loans | $515,842,500 | 1,199 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7522% | 466 |
| Cost of funding earning assets | 0.8642% | 297 |
| Net interest margin | 3.8880% | 978 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.4420% | 2,299 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.8982% | 357 |
| Return on assets (ROA) | 1.8980% | 347 |
| Pretax return on assets | 1.9354% | 538 |
| Return on Equity (ROE) | 22.0400% | 335 |
| Retained earnings to average equity (ytd only) | 14.0958% | 371 |
| Net charge-offs to loans | 0.0893% | 785 |
| Credit loss provision to net charge-offs | 296.2085% | 920 |
| Earnings coverage of net charge-offs (x) | 27.9716% | 1,719 |
| Efficiency ratio | 52.9838% | 3,890 |
| Assets per employee ($millions) | 10.3437% | 604 |
| Cash dividends to net income (ytd only)* | 36.0421% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 1,761 |
| Loan loss allowance to noncurrent loans | 3,237.3206% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,456 |
| Noncurrent loans to loans | 0.0411% | 3,477 |
| Net loans and leases to total assets | 83.6900% | 281 |
| Net loans and leases to deposits | 101.0048% | 400 |
| Net loans and leases to core deposits | 120.0693% | 368 |
| Total domestic deposits to total assets | 82.8600% | 3,448 |
| Equity capital to assets | 8.3214% | 2,835 |
| Core capital (leverage) ratio | 9.4278% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $545,259,800 | 1,620 |
| Average earning assets | $523,614,600 | 1,572 |
| Average equity | $46,957,200 | 1,706 |
| Average total loans | $472,719,800 | 1,225 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 471 |
| Cost of funding earning assets | 0.6042% | 426 |
| Net interest margin | 3.9365% | 731 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 2.5357% | 1,903 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.9581% | 306 |
| Return on assets (ROA) | 1.9578% | 303 |
| Pretax return on assets | 1.9952% | 472 |
| Return on Equity (ROE) | 22.5200% | 273 |
| Retained earnings to average equity (ytd only) | 15.5960% | 310 |
| Net charge-offs to loans | 0.0978% | 630 |
| Credit loss provision to net charge-offs | 250.0000% | 892 |
| Earnings coverage of net charge-offs (x) | 25.9000% | 1,596 |
| Efficiency ratio | 53.4415% | 3,874 |
| Assets per employee ($millions) | 8.9050% | 928 |
| Cash dividends to net income (ytd only)* | 30.7456% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,033 |
| Loan loss allowance to noncurrent loans | 728.7006% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 2,546 |
| Noncurrent loans to loans | 0.1782% | 2,696 |
| Net loans and leases to total assets | 84.6900% | 204 |
| Net loans and leases to deposits | 101.2360% | 322 |
| Net loans and leases to core deposits | 117.9873% | 296 |
| Total domestic deposits to total assets | 83.6500% | 3,570 |
| Equity capital to assets | 8.1052% | 2,834 |
| Core capital (leverage) ratio | 9.5460% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $531,591,500 | 1,670 |
| Average earning assets | $510,189,750 | 1,620 |
| Average equity | $46,215,750 | 1,745 |
| Average total loans | $463,682,750 | 1,241 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 420 |
| Cost of funding earning assets | 0.4438% | 711 |
| Net interest margin | 3.9837% | 512 |
| Noninterest income to average assets | 1.1624% | 504 |
| Noninterest expense to average assets | 2.6457% | 1,512 |
| Loan and lease loss provision to assets | 0.2520% | 281 |
| Net operating income to assets | 2.0444% | 210 |
| Return on assets (ROA) | 2.0440% | 215 |
| Pretax return on assets | 2.0824% | 312 |
| Return on Equity (ROE) | 22.9304% | 166 |
| Retained earnings to average equity (ytd only) | 12.4917% | 530 |
| Net charge-offs to loans | 0.1255% | 502 |
| Credit loss provision to net charge-offs | 228.8732% | 910 |
| Earnings coverage of net charge-offs (x) | 21.2042% | 1,533 |
| Efficiency ratio | 53.1216% | 4,038 |
| Assets per employee ($millions) | 8.3194% | 1,147 |
| Cash dividends to net income (ytd only)* | 45.5235% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 2,214 |
| Loan loss allowance to noncurrent loans | 686.7102% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 2,551 |
| Noncurrent loans to loans | 0.1886% | 2,762 |
| Net loans and leases to total assets | 86.2006% | 81 |
| Net loans and leases to deposits | 103.3855% | 183 |
| Net loans and leases to core deposits | 117.7712% | 218 |
| Total domestic deposits to total assets | 83.3779% | 3,806 |
| Equity capital to assets | 8.4836% | 2,779 |
| Core capital (leverage) ratio | 9.5739% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $515,846,333 | 1,701 |
| Average earning assets | $494,414,333 | 1,672 |
| Average equity | $45,982,667 | 1,802 |
| Average total loans | $452,695,000 | 1,260 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 402 |
| Cost of funding earning assets | 0.3775% | 1,008 |
| Net interest margin | 3.9865% | 428 |
| Noninterest income to average assets | 1.2039% | 484 |
| Noninterest expense to average assets | 2.6518% | 1,473 |
| Loan and lease loss provision to assets | 0.3636% | 156 |
| Net operating income to assets | 1.9626% | 239 |
| Return on assets (ROA) | 1.9626% | 242 |
| Pretax return on assets | 2.0030% | 355 |
| Return on Equity (ROE) | 21.4339% | 181 |
| Retained earnings to average equity (ytd only) | 10.4037% | 925 |
| Net charge-offs to loans | 0.2387% | 262 |
| Credit loss provision to net charge-offs | 173.0769% | 821 |
| Earnings coverage of net charge-offs (x) | 11.2654% | 1,442 |
| Efficiency ratio | 52.8417% | 4,136 |
| Assets per employee ($millions) | 7.9711% | 1,392 |
| Cash dividends to net income (ytd only)* | 51.4615% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 2,033 |
| Loan loss allowance to noncurrent loans | 1,266.1157% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 3,141 |
| Noncurrent loans to loans | 0.1081% | 3,301 |
| Net loans and leases to total assets | 86.5491% | 47 |
| Net loans and leases to deposits | 102.7435% | 131 |
| Net loans and leases to core deposits | 116.8650% | 169 |
| Total domestic deposits to total assets | 84.2380% | 3,719 |
| Equity capital to assets | 8.7072% | 2,967 |
| Core capital (leverage) ratio | 9.5305% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $495,068,500 | 1,746 |
| Average earning assets | $473,700,000 | 1,719 |
| Average equity | $45,330,000 | 1,878 |
| Average total loans | $435,648,500 | 1,279 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9385% | 279 |
| Cost of funding earning assets | 0.5047% | 914 |
| Net interest margin | 4.4338% | 307 |
| Noninterest income to average assets | 2.0360% | 312 |
| Noninterest expense to average assets | 3.0007% | 978 |
| Loan and lease loss provision to assets | 0.3936% | 175 |
| Net operating income to assets | 2.8296% | 115 |
| Return on assets (ROA) | 2.8305% | 118 |
| Pretax return on assets | 2.8694% | 165 |
| Return on Equity (ROE) | 30.7350% | 65 |
| Retained earnings to average equity (ytd only) | 14.9577% | 225 |
| Net charge-offs to loans | 0.0798% | 1,006 |
| Credit loss provision to net charge-offs | 568.5619% | 747 |
| Earnings coverage of net charge-offs (x) | 47.1171% | 1,333 |
| Efficiency ratio | 47.9092% | 4,411 |
| Assets per employee ($millions) | 7.7417% | 1,469 |
| Cash dividends to net income (ytd only)* | 51.3334% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 1,909 |
| Loan loss allowance to noncurrent loans | 183.7821% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 958 |
| Noncurrent loans to loans | 0.7627% | 1,331 |
| Net loans and leases to total assets | 87.0234% | 45 |
| Net loans and leases to deposits | 102.6999% | 150 |
| Net loans and leases to core deposits | 116.5285% | 196 |
| Total domestic deposits to total assets | 84.7356% | 3,349 |
| Equity capital to assets | 9.6336% | 3,011 |
| Core capital (leverage) ratio | 9.5492% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $431,866,200 | 1,890 |
| Average earning assets | $411,700,000 | 1,862 |
| Average equity | $39,772,200 | 2,089 |
| Average total loans | $374,499,400 | 1,443 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1074% | 251 |
| Cost of funding earning assets | 0.5350% | 893 |
| Net interest margin | 4.5724% | 280 |
| Noninterest income to average assets | 2.1798% | 299 |
| Noninterest expense to average assets | 3.0119% | 948 |
| Loan and lease loss provision to assets | 0.3175% | 242 |
| Net operating income to assets | 3.1647% | 102 |
| Return on assets (ROA) | 3.1669% | 104 |
| Pretax return on assets | 3.2085% | 144 |
| Return on Equity (ROE) | 34.8462% | 60 |
| Retained earnings to average equity (ytd only) | 17.5489% | 218 |
| Net charge-offs to loans | 0.1104% | 692 |
| Credit loss provision to net charge-offs | 333.3333% | 947 |
| Earnings coverage of net charge-offs (x) | 36.9867% | 1,416 |
| Efficiency ratio | 46.0787% | 4,500 |
| Assets per employee ($millions) | 7.3949% | 1,625 |
| Cash dividends to net income (ytd only)* | 49.6390% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,431 |
| Loan loss allowance to noncurrent loans | 157.1429% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7267% | 1,013 |
| Noncurrent loans to loans | 0.8349% | 1,371 |
| Net loans and leases to total assets | 85.9073% | 67 |
| Net loans and leases to deposits | 105.4846% | 141 |
| Net loans and leases to core deposits | 116.1686% | 224 |
| Total domestic deposits to total assets | 81.4407% | 4,024 |
| Equity capital to assets | 8.8081% | 3,994 |
| Core capital (leverage) ratio | 8.9606% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $419,836,000 | 1,945 |
| Average earning assets | $399,959,250 | 1,925 |
| Average equity | $38,155,250 | 2,178 |
| Average total loans | $362,214,500 | 1,510 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3303% | 207 |
| Cost of funding earning assets | 0.5765% | 833 |
| Net interest margin | 4.7538% | 237 |
| Noninterest income to average assets | 2.4219% | 260 |
| Noninterest expense to average assets | 3.1252% | 809 |
| Loan and lease loss provision to assets | 0.2457% | 404 |
| Net operating income to assets | 3.5366% | 89 |
| Return on assets (ROA) | 3.5414% | 91 |
| Pretax return on assets | 3.5788% | 113 |
| Return on Equity (ROE) | 38.5221% | 50 |
| Retained earnings to average equity (ytd only) | 20.8808% | 132 |
| Net charge-offs to loans | 0.0103% | 1,766 |
| Credit loss provision to net charge-offs | 2,777.7778% | 219 |
| Earnings coverage of net charge-offs (x) | 431.7778% | 299 |
| Efficiency ratio | 45.0004% | 4,573 |
| Assets per employee ($millions) | 7.2750% | 1,612 |
| Cash dividends to net income (ytd only)* | 45.7952% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 2,210 |
| Loan loss allowance to noncurrent loans | 156.5814% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 981 |
| Noncurrent loans to loans | 0.8598% | 1,435 |
| Net loans and leases to total assets | 84.2699% | 128 |
| Net loans and leases to deposits | 98.6738% | 292 |
| Net loans and leases to core deposits | 108.5689% | 400 |
| Total domestic deposits to total assets | 85.4026% | 2,941 |
| Equity capital to assets | 8.9986% | 3,797 |
| Core capital (leverage) ratio | 8.8387% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $406,952,667 | 1,980 |
| Average earning assets | $387,182,667 | 1,957 |
| Average equity | $37,412,333 | 2,197 |
| Average total loans | $349,916,333 | 1,559 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1525% | 290 |
| Cost of funding earning assets | 0.6187% | 805 |
| Net interest margin | 4.5338% | 338 |
| Noninterest income to average assets | 2.9976% | 199 |
| Noninterest expense to average assets | 3.2485% | 650 |
| Loan and lease loss provision to assets | 0.1530% | 844 |
| Net operating income to assets | 3.8624% | 90 |
| Return on assets (ROA) | 3.8493% | 95 |
| Pretax return on assets | 3.8880% | 112 |
| Return on Equity (ROE) | 41.3827% | 64 |
| Retained earnings to average equity (ytd only) | 24.9349% | 142 |
| Net charge-offs to loans | 0.0024% | 1,838 |
| Credit loss provision to net charge-offs | 7,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 1,987.5000% | 36 |
| Efficiency ratio | 44.4832% | 4,550 |
| Assets per employee ($millions) | 7.1372% | 1,697 |
| Cash dividends to net income (ytd only)* | 39.7456% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 2,374 |
| Loan loss allowance to noncurrent loans | 335.6017% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 2,133 |
| Noncurrent loans to loans | 0.3914% | 2,698 |
| Net loans and leases to total assets | 85.0286% | 114 |
| Net loans and leases to deposits | 104.9994% | 188 |
| Net loans and leases to core deposits | 117.2184% | 274 |
| Total domestic deposits to total assets | 80.9801% | 4,066 |
| Equity capital to assets | 9.0577% | 3,624 |
| Core capital (leverage) ratio | 9.3176% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $392,178,500 | 2,023 |
| Average earning assets | $372,401,500 | 1,991 |
| Average equity | $36,479,000 | 2,236 |
| Average total loans | $338,445,000 | 1,602 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 320 |
| Cost of funding earning assets | 1.0920% | 410 |
| Net interest margin | 4.1369% | 732 |
| Noninterest income to average assets | 2.4884% | 243 |
| Noninterest expense to average assets | 3.5848% | 615 |
| Loan and lease loss provision to assets | 0.4482% | 625 |
| Net operating income to assets | 2.3698% | 157 |
| Return on assets (ROA) | 2.3712% | 169 |
| Pretax return on assets | 2.4100% | 213 |
| Return on Equity (ROE) | 25.4345% | 102 |
| Retained earnings to average equity (ytd only) | 16.0349% | 117 |
| Net charge-offs to loans | -0.0033% | 4,052 |
| Credit loss provision to net charge-offs | -15,600.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6467% | 4,026 |
| Assets per employee ($millions) | 6.2780% | 2,096 |
| Cash dividends to net income (ytd only)* | 36.9563% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,906 |
| Loan loss allowance to noncurrent loans | 186.7078% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.8855% | 1,126 |
| Noncurrent loans to loans | 0.7588% | 1,808 |
| Net loans and leases to total assets | 85.2284% | 122 |
| Net loans and leases to deposits | 103.7349% | 265 |
| Net loans and leases to core deposits | 116.3317% | 362 |
| Total domestic deposits to total assets | 82.1599% | 3,630 |
| Equity capital to assets | 9.5742% | 3,539 |
| Core capital (leverage) ratio | 8.8825% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,050,200 | 2,061 |
| Average earning assets | $332,595,600 | 2,014 |
| Average equity | $32,448,000 | 2,363 |
| Average total loans | $299,596,600 | 1,686 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9469% | 669 |
| Cost of funding earning assets | 1.1700% | 413 |
| Net interest margin | 3.7770% | 1,692 |
| Noninterest income to average assets | 2.3593% | 255 |
| Noninterest expense to average assets | 3.4564% | 748 |
| Loan and lease loss provision to assets | 0.4126% | 831 |
| Net operating income to assets | 2.0724% | 255 |
| Return on assets (ROA) | 2.0743% | 277 |
| Pretax return on assets | 2.1094% | 403 |
| Return on Equity (ROE) | 22.4136% | 166 |
| Retained earnings to average equity (ytd only) | 15.1569% | 193 |
| Net charge-offs to loans | -0.0014% | 3,843 |
| Credit loss provision to net charge-offs | -35,333.3333% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8269% | 3,689 |
| Assets per employee ($millions) | 7.2723% | 1,339 |
| Cash dividends to net income (ytd only)* | 32.3761% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 2,793 |
| Loan loss allowance to noncurrent loans | 132.3587% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.9964% | 1,117 |
| Noncurrent loans to loans | 0.8898% | 1,682 |
| Net loans and leases to total assets | 86.0928% | 149 |
| Net loans and leases to deposits | 111.6664% | 201 |
| Net loans and leases to core deposits | 123.7470% | 343 |
| Total domestic deposits to total assets | 77.0982% | 4,312 |
| Equity capital to assets | 8.6149% | 4,393 |
| Core capital (leverage) ratio | 8.9158% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,462,500 | 2,064 |
| Average earning assets | $327,979,500 | 2,019 |
| Average equity | $31,694,250 | 2,392 |
| Average total loans | $294,439,750 | 1,702 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 713 |
| Cost of funding earning assets | 1.3013% | 358 |
| Net interest margin | 3.7771% | 1,895 |
| Noninterest income to average assets | 1.8538% | 324 |
| Noninterest expense to average assets | 3.3532% | 920 |
| Loan and lease loss provision to assets | 0.3746% | 1,116 |
| Net operating income to assets | 1.7082% | 611 |
| Return on assets (ROA) | 1.7082% | 667 |
| Pretax return on assets | 1.7439% | 905 |
| Return on Equity (ROE) | 17.9588% | 372 |
| Retained earnings to average equity (ytd only) | 13.6014% | 303 |
| Net charge-offs to loans | 0.0431% | 1,885 |
| Credit loss provision to net charge-offs | 1,016.6667% | 782 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 1,002 |
| Efficiency ratio | 61.2838% | 3,239 |
| Assets per employee ($millions) | 6.8542% | 1,530 |
| Cash dividends to net income (ytd only)* | 24.2631% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 3,069 |
| Loan loss allowance to noncurrent loans | 397.8507% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 2,804 |
| Noncurrent loans to loans | 0.2763% | 3,392 |
| Net loans and leases to total assets | 85.4990% | 159 |
| Net loans and leases to deposits | 107.0193% | 291 |
| Net loans and leases to core deposits | 119.4757% | 434 |
| Total domestic deposits to total assets | 79.8912% | 3,860 |
| Equity capital to assets | 8.7316% | 4,331 |
| Core capital (leverage) ratio | 9.1124% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,716,000 | 2,115 |
| Average earning assets | $311,985,333 | 2,061 |
| Average equity | $30,982,000 | 2,408 |
| Average total loans | $278,547,333 | 1,753 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3265% | 527 |
| Cost of funding earning assets | 1.4970% | 274 |
| Net interest margin | 3.8294% | 1,877 |
| Noninterest income to average assets | 0.9015% | 1,061 |
| Noninterest expense to average assets | 3.0800% | 1,691 |
| Loan and lease loss provision to assets | 0.2109% | 1,450 |
| Net operating income to assets | 1.2336% | 1,422 |
| Return on assets (ROA) | 1.2336% | 1,524 |
| Pretax return on assets | 1.2718% | 1,961 |
| Return on Equity (ROE) | 12.3507% | 1,019 |
| Retained earnings to average equity (ytd only) | 12.3507% | 387 |
| Net charge-offs to loans | 0.0217% | 1,933 |
| Credit loss provision to net charge-offs | 1,142.8571% | 521 |
| Earnings coverage of net charge-offs (x) | 80.3571% | 669 |
| Efficiency ratio | 67.5043% | 2,744 |
| Assets per employee ($millions) | 5.6324% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 2,761 |
| Loan loss allowance to noncurrent loans | 342.7313% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 3,280 |
| Noncurrent loans to loans | 0.3451% | 3,252 |
| Net loans and leases to total assets | 83.9322% | 268 |
| Net loans and leases to deposits | 101.8162% | 452 |
| Net loans and leases to core deposits | 113.2884% | 696 |
| Total domestic deposits to total assets | 82.4351% | 3,283 |
| Equity capital to assets | 10.0048% | 3,780 |
| Core capital (leverage) ratio | 10.0507% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,511,000 | 2,190 |
| Average earning assets | $290,173,500 | 2,131 |
| Average equity | $30,314,000 | 2,434 |
| Average total loans | $257,835,500 | 1,817 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3624% | 724 |
| Cost of funding earning assets | 1.7462% | 168 |
| Net interest margin | 3.6162% | 3,087 |
| Noninterest income to average assets | 1.1607% | 697 |
| Noninterest expense to average assets | 2.9925% | 2,041 |
| Loan and lease loss provision to assets | 0.3867% | 378 |
| Net operating income to assets | 1.2031% | 2,045 |
| Return on assets (ROA) | 1.2031% | 2,142 |
| Pretax return on assets | 1.2325% | 2,727 |
| Return on Equity (ROE) | 13.2026% | 1,114 |
| Retained earnings to average equity (ytd only) | -2.4435% | 4,891 |
| Net charge-offs to loans | 0.3850% | 503 |
| Credit loss provision to net charge-offs | 119.2758% | 2,120 |
| Earnings coverage of net charge-offs (x) | 4.9947% | 3,147 |
| Efficiency ratio | 64.8825% | 2,952 |
| Assets per employee ($millions) | 5.7162% | 1,866 |
| Cash dividends to net income (ytd only)* | 118.5079% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 2,574 |
| Loan loss allowance to noncurrent loans | 328.0973% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 3,172 |
| Noncurrent loans to loans | 0.3579% | 3,166 |
| Net loans and leases to total assets | 83.9678% | 322 |
| Net loans and leases to deposits | 99.8160% | 616 |
| Net loans and leases to core deposits | 113.7911% | 681 |
| Total domestic deposits to total assets | 84.1226% | 2,812 |
| Equity capital to assets | 9.9701% | 3,949 |
| Core capital (leverage) ratio | 9.9946% | 3,524 |
| Tier 1 risk-based capital ratio | 12.5236% | 4,056 |
| Total risk-based capital ratio | 13.7735% | 3,938 |
| Memoranda: | ||
| Average total assets | $289,658,600 | 2,223 |
| Average earning assets | $276,423,000 | 2,168 |
| Average equity | $26,396,400 | 2,602 |
| Average total loans | $243,882,400 | 1,863 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3595% | 762 |
| Cost of funding earning assets | 1.7648% | 159 |
| Net interest margin | 3.5947% | 3,263 |
| Noninterest income to average assets | 1.0388% | 861 |
| Noninterest expense to average assets | 2.9357% | 2,142 |
| Loan and lease loss provision to assets | 0.4402% | 291 |
| Net operating income to assets | 1.0666% | 2,708 |
| Return on assets (ROA) | 1.0666% | 2,793 |
| Pretax return on assets | 1.0925% | 3,313 |
| Return on Equity (ROE) | 11.9955% | 1,620 |
| Retained earnings to average equity (ytd only) | -4.8618% | 5,061 |
| Net charge-offs to loans | 0.4567% | 370 |
| Credit loss provision to net charge-offs | 114.7343% | 2,029 |
| Earnings coverage of net charge-offs (x) | 3.9952% | 3,054 |
| Efficiency ratio | 65.6885% | 2,771 |
| Assets per employee ($millions) | 5.5549% | 1,978 |
| Cash dividends to net income (ytd only)* | 140.5300% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,700 |
| Loan loss allowance to noncurrent loans | 199.6568% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 2,509 |
| Noncurrent loans to loans | 0.5828% | 2,537 |
| Net loans and leases to total assets | 83.9340% | 360 |
| Net loans and leases to deposits | 97.6592% | 856 |
| Net loans and leases to core deposits | 110.5810% | 922 |
| Total domestic deposits to total assets | 85.9458% | 2,019 |
| Equity capital to assets | 8.8373% | 4,856 |
| Core capital (leverage) ratio | 8.9731% | 4,658 |
| Tier 1 risk-based capital ratio | 11.1158% | 4,853 |
| Total risk-based capital ratio | 12.3658% | 4,750 |
| Memoranda: | ||
| Average total assets | $287,763,250 | 2,248 |
| Average earning assets | $274,545,750 | 2,195 |
| Average equity | $25,586,750 | 2,676 |
| Average total loans | $241,715,000 | 1,883 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2134% | 960 |
| Cost of funding earning assets | 1.7574% | 155 |
| Net interest margin | 3.4560% | 3,725 |
| Noninterest income to average assets | 0.7592% | 1,481 |
| Noninterest expense to average assets | 2.8465% | 2,421 |
| Loan and lease loss provision to assets | 0.5568% | 198 |
| Net operating income to assets | 0.6283% | 4,223 |
| Return on assets (ROA) | 0.6283% | 4,269 |
| Pretax return on assets | 0.6479% | 4,452 |
| Return on Equity (ROE) | 7.0511% | 3,657 |
| Retained earnings to average equity (ytd only) | -14.1336% | 5,212 |
| Net charge-offs to loans | 0.4905% | 320 |
| Credit loss provision to net charge-offs | 135.6655% | 1,612 |
| Earnings coverage of net charge-offs (x) | 2.9352% | 2,890 |
| Efficiency ratio | 70.2455% | 2,187 |
| Assets per employee ($millions) | 5.5275% | 1,937 |
| Cash dividends to net income (ytd only)* | 300.4459% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,161 |
| Loan loss allowance to noncurrent loans | 114.3130% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.9115% | 1,528 |
| Noncurrent loans to loans | 1.1073% | 1,476 |
| Net loans and leases to total assets | 81.2771% | 701 |
| Net loans and leases to deposits | 94.7651% | 1,177 |
| Net loans and leases to core deposits | 107.5883% | 1,131 |
| Total domestic deposits to total assets | 85.7669% | 2,148 |
| Equity capital to assets | 8.7323% | 4,933 |
| Core capital (leverage) ratio | 8.7672% | 4,798 |
| Tier 1 risk-based capital ratio | 11.2098% | 4,822 |
| Total risk-based capital ratio | 12.4609% | 4,721 |
| Memoranda: | ||
| Average total assets | $285,547,330 | 2,261 |
| Average earning assets | $271,991,330 | 2,216 |
| Average equity | $25,443,000 | 2,680 |
| Average total loans | $238,946,670 | 1,911 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2349% | 846 |
| Cost of funding earning assets | 1.7317% | 141 |
| Net interest margin | 3.5032% | 3,582 |
| Noninterest income to average assets | 0.4680% | 2,745 |
| Noninterest expense to average assets | 2.6689% | 3,000 |
| Loan and lease loss provision to assets | 0.3443% | 349 |
| Net operating income to assets | 0.7842% | 3,674 |
| Return on assets (ROA) | 0.7842% | 3,720 |
| Pretax return on assets | 0.7842% | 4,080 |
| Return on Equity (ROE) | 8.7136% | 2,942 |
| Retained earnings to average equity (ytd only) | -28.7644% | 5,298 |
| Net charge-offs to loans | 0.7263% | 207 |
| Credit loss provision to net charge-offs | 56.1927% | 1,935 |
| Earnings coverage of net charge-offs (x) | 1.8417% | 2,552 |
| Efficiency ratio | 70.2813% | 2,293 |
| Assets per employee ($millions) | 5.3009% | 2,172 |
| Cash dividends to net income (ytd only)* | 430.1075% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,275 |
| Loan loss allowance to noncurrent loans | 40.5595% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 2.2351% | 388 |
| Noncurrent loans to loans | 2.6452% | 477 |
| Net loans and leases to total assets | 83.5892% | 411 |
| Net loans and leases to deposits | 99.8681% | 644 |
| Net loans and leases to core deposits | 112.5021% | 805 |
| Total domestic deposits to total assets | 83.6996% | 3,144 |
| Equity capital to assets | 8.6770% | 4,890 |
| Core capital (leverage) ratio | 8.6851% | 4,883 |
| Tier 1 risk-based capital ratio | 10.8707% | 5,034 |
| Total risk-based capital ratio | 12.0068% | 4,987 |
| Memoranda: | ||
| Average total assets | $284,607,000 | 2,285 |
| Average earning assets | $270,493,000 | 2,238 |
| Average equity | $25,615,000 | 2,672 |
| Average total loans | $240,116,000 | 1,912 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 686 |
| Cost of funding earning assets | 1.4617% | 104 |
| Net interest margin | 3.7490% | 2,861 |
| Noninterest income to average assets | 1.0115% | 923 |
| Noninterest expense to average assets | 2.8014% | 2,689 |
| Loan and lease loss provision to assets | 0.2619% | 648 |
| Net operating income to assets | 1.4381% | 1,313 |
| Return on assets (ROA) | 1.4381% | 1,302 |
| Pretax return on assets | 1.4774% | 1,850 |
| Return on Equity (ROE) | 17.2024% | 474 |
| Retained earnings to average equity (ytd only) | 13.1914% | 218 |
| Net charge-offs to loans | 0.1746% | 1,102 |
| Credit loss provision to net charge-offs | 177.5701% | 1,591 |
| Earnings coverage of net charge-offs (x) | 11.7921% | 2,598 |
| Efficiency ratio | 61.6879% | 3,588 |
| Assets per employee ($millions) | 5.2401% | 2,213 |
| Cash dividends to net income (ytd only)* | 23.3166% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 2,729 |
| Loan loss allowance to noncurrent loans | 116.7155% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 1,656 |
| Noncurrent loans to loans | 1.0014% | 1,622 |
| Net loans and leases to total assets | 83.2533% | 488 |
| Net loans and leases to deposits | 99.1828% | 806 |
| Net loans and leases to core deposits | 110.9569% | 944 |
| Total domestic deposits to total assets | 83.9392% | 3,017 |
| Equity capital to assets | 9.3270% | 4,297 |
| Core capital (leverage) ratio | 8.6340% | 4,931 |
| Tier 1 risk-based capital ratio | 11.8686% | 4,522 |
| Total risk-based capital ratio | 13.1085% | 4,405 |
| Memoranda: | ||
| Average total assets | $290,174,000 | 2,208 |
| Average earning assets | $273,169,600 | 2,174 |
| Average equity | $24,258,200 | 2,700 |
| Average total loans | $245,136,800 | 1,853 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0436% | 856 |
| Cost of funding earning assets | 1.3649% | 119 |
| Net interest margin | 3.6787% | 3,095 |
| Noninterest income to average assets | 0.5640% | 2,502 |
| Noninterest expense to average assets | 2.6348% | 3,186 |
| Loan and lease loss provision to assets | 0.3128% | 457 |
| Net operating income to assets | 1.0343% | 2,946 |
| Return on assets (ROA) | 1.0343% | 2,956 |
| Pretax return on assets | 1.0736% | 3,489 |
| Return on Equity (ROE) | 12.7290% | 1,528 |
| Retained earnings to average equity (ytd only) | 8.9749% | 1,230 |
| Net charge-offs to loans | 0.0438% | 2,219 |
| Credit loss provision to net charge-offs | 845.6790% | 467 |
| Earnings coverage of net charge-offs (x) | 37.4806% | 1,410 |
| Efficiency ratio | 65.5122% | 2,957 |
| Assets per employee ($millions) | 5.2495% | 2,170 |
| Cash dividends to net income (ytd only)* | 29.4922% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 2,868 |
| Loan loss allowance to noncurrent loans | 107.4842% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 1,593 |
| Noncurrent loans to loans | 1.0762% | 1,584 |
| Net loans and leases to total assets | 84.3975% | 411 |
| Net loans and leases to deposits | 100.3409% | 755 |
| Net loans and leases to core deposits | 110.8376% | 986 |
| Total domestic deposits to total assets | 84.1108% | 2,902 |
| Equity capital to assets | 7.9624% | 5,192 |
| Core capital (leverage) ratio | 8.2771% | 5,213 |
| Tier 1 risk-based capital ratio | 9.9776% | 5,383 |
| Total risk-based capital ratio | 11.1971% | 5,346 |
| Memoranda: | ||
| Average total assets | $291,976,750 | 2,208 |
| Average earning assets | $274,398,750 | 2,177 |
| Average equity | $23,724,750 | 2,765 |
| Average total loans | $246,830,500 | 1,849 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9280% | 960 |
| Cost of funding earning assets | 1.2940% | 118 |
| Net interest margin | 3.6340% | 3,186 |
| Noninterest income to average assets | 0.5460% | 2,593 |
| Noninterest expense to average assets | 2.5617% | 3,442 |
| Loan and lease loss provision to assets | 0.4265% | 278 |
| Net operating income to assets | 0.9285% | 3,327 |
| Return on assets (ROA) | 0.9285% | 3,327 |
| Pretax return on assets | 0.9683% | 3,758 |
| Return on Equity (ROE) | 11.3443% | 1,977 |
| Retained earnings to average equity (ytd only) | 8.1836% | 1,543 |
| Net charge-offs to loans | 0.0448% | 1,970 |
| Credit loss provision to net charge-offs | 1,129.6296% | 373 |
| Earnings coverage of net charge-offs (x) | 36.9444% | 1,350 |
| Efficiency ratio | 64.7288% | 3,205 |
| Assets per employee ($millions) | 4.9557% | 2,476 |
| Cash dividends to net income (ytd only)* | 27.8614% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 2,744 |
| Loan loss allowance to noncurrent loans | 38.8817% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 2.6347% | 320 |
| Noncurrent loans to loans | 3.0766% | 359 |
| Net loans and leases to total assets | 83.6401% | 504 |
| Net loans and leases to deposits | 99.1828% | 868 |
| Net loans and leases to core deposits | 110.0156% | 1,001 |
| Total domestic deposits to total assets | 84.3292% | 2,946 |
| Equity capital to assets | 8.1078% | 5,185 |
| Core capital (leverage) ratio | 8.4197% | 5,160 |
| Tier 1 risk-based capital ratio | 10.0504% | 5,422 |
| Total risk-based capital ratio | 11.2913% | 5,356 |
| Memoranda: | ||
| Average total assets | $286,062,670 | 2,250 |
| Average earning assets | $268,467,670 | 2,218 |
| Average equity | $23,412,670 | 2,801 |
| Average total loans | $240,956,000 | 1,879 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8752% | 917 |
| Cost of funding earning assets | 1.2340% | 117 |
| Net interest margin | 3.6412% | 3,022 |
| Noninterest income to average assets | 0.6918% | 1,867 |
| Noninterest expense to average assets | 2.6075% | 3,316 |
| Loan and lease loss provision to assets | 0.7631% | 119 |
| Net operating income to assets | 0.6890% | 4,138 |
| Return on assets (ROA) | 0.6890% | 4,142 |
| Pretax return on assets | 0.7303% | 4,353 |
| Return on Equity (ROE) | 8.3763% | 3,205 |
| Retained earnings to average equity (ytd only) | 8.3763% | 1,697 |
| Net charge-offs to loans | 0.0985% | 1,197 |
| Credit loss provision to net charge-offs | 922.4138% | 367 |
| Earnings coverage of net charge-offs (x) | 18.0517% | 1,551 |
| Efficiency ratio | 63.5826% | 3,546 |
| Assets per employee ($millions) | 4.9965% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,690 |
| Loan loss allowance to noncurrent loans | 73.1653% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.5295% | 898 |
| Noncurrent loans to loans | 1.6669% | 1,028 |
| Net loans and leases to total assets | 83.3541% | 503 |
| Net loans and leases to deposits | 100.2597% | 684 |
| Net loans and leases to core deposits | 113.0571% | 841 |
| Total domestic deposits to total assets | 83.1382% | 3,620 |
| Equity capital to assets | 8.1491% | 5,205 |
| Core capital (leverage) ratio | 8.4333% | 5,182 |
| Tier 1 risk-based capital ratio | 10.0966% | 5,478 |
| Total risk-based capital ratio | 11.3467% | 5,407 |
| Memoranda: | ||
| Average total assets | $280,422,500 | 2,301 |
| Average earning assets | $262,551,000 | 2,283 |
| Average equity | $23,065,000 | 2,858 |
| Average total loans | $235,579,500 | 1,926 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9575% | 700 |
| Cost of funding earning assets | 1.1309% | 110 |
| Net interest margin | 3.8266% | 2,335 |
| Noninterest income to average assets | 0.4361% | 3,398 |
| Noninterest expense to average assets | 2.4627% | 3,905 |
| Loan and lease loss provision to assets | 0.6672% | 186 |
| Net operating income to assets | 0.8483% | 2,961 |
| Return on assets (ROA) | 0.8483% | 2,985 |
| Pretax return on assets | 0.8860% | 3,960 |
| Return on Equity (ROE) | 10.1656% | 1,819 |
| Retained earnings to average equity (ytd only) | 1.9677% | 4,141 |
| Net charge-offs to loans | 0.6999% | 305 |
| Credit loss provision to net charge-offs | 110.6505% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.5759% | 3,731 |
| Efficiency ratio | 61.3138% | 4,048 |
| Assets per employee ($millions) | 5.1119% | 2,350 |
| Cash dividends to net income (ytd only)* | 80.6437% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,523 |
| Loan loss allowance to noncurrent loans | 69.6454% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.2770% | 1,144 |
| Noncurrent loans to loans | 1.5271% | 1,107 |
| Net loans and leases to total assets | 82.7331% | 593 |
| Net loans and leases to deposits | 99.2521% | 793 |
| Net loans and leases to core deposits | 108.8650% | 1,068 |
| Total domestic deposits to total assets | 83.3565% | 3,446 |
| Equity capital to assets | 8.3034% | 5,258 |
| Core capital (leverage) ratio | 8.4507% | 5,180 |
| Tier 1 risk-based capital ratio | 10.3269% | 5,437 |
| Total risk-based capital ratio | 11.4301% | 5,407 |
| Memoranda: | ||
| Average total assets | $260,038,800 | 2,416 |
| Average earning assets | $243,268,200 | 2,397 |
| Average equity | $21,700,600 | 2,979 |
| Average total loans | $224,019,000 | 1,976 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 603 |
| Cost of funding earning assets | 1.1033% | 110 |
| Net interest margin | 3.9048% | 2,023 |
| Noninterest income to average assets | 0.4114% | 3,613 |
| Noninterest expense to average assets | 2.5032% | 3,720 |
| Loan and lease loss provision to assets | 0.2994% | 524 |
| Net operating income to assets | 1.2248% | 1,593 |
| Return on assets (ROA) | 1.2248% | 1,623 |
| Pretax return on assets | 1.2633% | 2,656 |
| Return on Equity (ROE) | 14.6569% | 711 |
| Retained earnings to average equity (ytd only) | 6.9732% | 1,702 |
| Net charge-offs to loans | 0.2177% | 997 |
| Credit loss provision to net charge-offs | 158.4022% | 1,617 |
| Earnings coverage of net charge-offs (x) | 8.2672% | 2,804 |
| Efficiency ratio | 61.5523% | 3,947 |
| Assets per employee ($millions) | 4.4927% | 3,158 |
| Cash dividends to net income (ytd only)* | 52.4235% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,661 |
| Loan loss allowance to noncurrent loans | 69.5410% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.2906% | 1,246 |
| Noncurrent loans to loans | 1.5400% | 1,212 |
| Net loans and leases to total assets | 82.9112% | 558 |
| Net loans and leases to deposits | 98.3829% | 881 |
| Net loans and leases to core deposits | 107.7048% | 1,153 |
| Total domestic deposits to total assets | 84.2740% | 3,014 |
| Equity capital to assets | 8.3329% | 5,379 |
| Core capital (leverage) ratio | 8.5603% | 5,197 |
| Tier 1 risk-based capital ratio | 10.3490% | 5,496 |
| Total risk-based capital ratio | 11.4668% | 5,494 |
| Memoranda: | ||
| Average total assets | $256,038,000 | 2,465 |
| Average earning assets | $239,633,500 | 2,444 |
| Average equity | $21,395,500 | 3,029 |
| Average total loans | $222,315,500 | 1,988 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0716% | 502 |
| Cost of funding earning assets | 1.0795% | 112 |
| Net interest margin | 3.9921% | 1,629 |
| Noninterest income to average assets | 0.4265% | 3,514 |
| Noninterest expense to average assets | 2.5839% | 3,484 |
| Loan and lease loss provision to assets | 0.2495% | 668 |
| Net operating income to assets | 1.2867% | 1,333 |
| Return on assets (ROA) | 1.2867% | 1,360 |
| Pretax return on assets | 1.3278% | 2,275 |
| Return on Equity (ROE) | 15.3822% | 610 |
| Retained earnings to average equity (ytd only) | 8.8118% | 896 |
| Net charge-offs to loans | 0.0805% | 1,815 |
| Credit loss provision to net charge-offs | 352.2727% | 867 |
| Earnings coverage of net charge-offs (x) | 22.2727% | 1,716 |
| Efficiency ratio | 62.0770% | 3,976 |
| Assets per employee ($millions) | 5.5471% | 1,831 |
| Cash dividends to net income (ytd only)* | 42.7142% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,709 |
| Loan loss allowance to noncurrent loans | 75.9226% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3168% | 1,243 |
| Noncurrent loans to loans | 1.4179% | 1,346 |
| Net loans and leases to total assets | 86.6267% | 234 |
| Net loans and leases to deposits | 101.9781% | 610 |
| Net loans and leases to core deposits | 112.6664% | 865 |
| Total domestic deposits to total assets | 84.9463% | 2,837 |
| Equity capital to assets | 8.6419% | 5,193 |
| Core capital (leverage) ratio | 8.9678% | 4,761 |
| Tier 1 risk-based capital ratio | 10.5150% | 5,452 |
| Total risk-based capital ratio | 11.6652% | 5,423 |
| Memoranda: | ||
| Average total assets | $248,535,670 | 2,531 |
| Average earning assets | $232,510,670 | 2,504 |
| Average equity | $20,790,330 | 3,083 |
| Average total loans | $218,605,670 | 2,018 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 432 |
| Cost of funding earning assets | 1.0413% | 136 |
| Net interest margin | 4.0794% | 1,271 |
| Noninterest income to average assets | 0.5508% | 2,660 |
| Noninterest expense to average assets | 2.6770% | 3,232 |
| Loan and lease loss provision to assets | 0.2921% | 476 |
| Net operating income to assets | 1.3402% | 1,137 |
| Return on assets (ROA) | 1.3402% | 1,170 |
| Pretax return on assets | 1.3869% | 1,931 |
| Return on Equity (ROE) | 16.3207% | 490 |
| Retained earnings to average equity (ytd only) | 5.8942% | 2,394 |
| Net charge-offs to loans | 0.1249% | 1,170 |
| Credit loss provision to net charge-offs | 265.1515% | 852 |
| Earnings coverage of net charge-offs (x) | 15.2424% | 1,683 |
| Efficiency ratio | 61.4559% | 4,232 |
| Assets per employee ($millions) | 4.7234% | 2,806 |
| Cash dividends to net income (ytd only)* | 63.8854% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,683 |
| Loan loss allowance to noncurrent loans | 158.3223% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 2,497 |
| Noncurrent loans to loans | 0.6986% | 2,750 |
| Net loans and leases to total assets | 87.2533% | 143 |
| Net loans and leases to deposits | 102.5495% | 472 |
| Net loans and leases to core deposits | 111.1261% | 821 |
| Total domestic deposits to total assets | 85.0841% | 3,051 |
| Equity capital to assets | 8.2112% | 5,406 |
| Core capital (leverage) ratio | 8.4211% | 5,280 |
| Tier 1 risk-based capital ratio | 10.0080% | 5,694 |
| Total risk-based capital ratio | 11.2004% | 5,683 |
| Memoranda: | ||
| Average total assets | $239,673,000 | 2,617 |
| Average earning assets | $223,564,500 | 2,613 |
| Average equity | $19,680,500 | 3,207 |
| Average total loans | $211,327,000 | 2,087 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 471 |
| Cost of funding earning assets | 1.0279% | 145 |
| Net interest margin | 4.1025% | 1,374 |
| Noninterest income to average assets | 0.8309% | 1,646 |
| Noninterest expense to average assets | 3.0020% | 2,348 |
| Loan and lease loss provision to assets | 0.5062% | 274 |
| Net operating income to assets | 1.0779% | 2,000 |
| Return on assets (ROA) | 1.1817% | 1,660 |
| Pretax return on assets | 1.2224% | 2,581 |
| Return on Equity (ROE) | 13.7835% | 810 |
| Retained earnings to average equity (ytd only) | 5.2711% | 2,148 |
| Net charge-offs to loans | 0.3173% | 866 |
| Credit loss provision to net charge-offs | 181.2395% | 1,548 |
| Earnings coverage of net charge-offs (x) | 5.8174% | 3,278 |
| Efficiency ratio | 64.6006% | 3,831 |
| Assets per employee ($millions) | 4.6746% | 2,835 |
| Cash dividends to net income (ytd only)* | 61.7577% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,653 |
| Loan loss allowance to noncurrent loans | 94.6606% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.0593% | 1,781 |
| Noncurrent loans to loans | 1.1731% | 1,752 |
| Net loans and leases to total assets | 87.1355% | 172 |
| Net loans and leases to deposits | 100.6792% | 630 |
| Net loans and leases to core deposits | 113.2652% | 724 |
| Total domestic deposits to total assets | 86.5477% | 2,352 |
| Equity capital to assets | 8.2116% | 5,464 |
| Core capital (leverage) ratio | 8.4181% | 5,349 |
| Tier 1 risk-based capital ratio | 9.6455% | 5,802 |
| Total risk-based capital ratio | 10.7957% | 5,799 |
| Memoranda: | ||
| Average total assets | $213,755,000 | 2,814 |
| Average earning assets | $197,781,200 | 2,816 |
| Average equity | $18,326,200 | 3,368 |
| Average total loans | $188,135,800 | 2,228 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2122% | 417 |
| Cost of funding earning assets | 1.0265% | 147 |
| Net interest margin | 4.1857% | 1,160 |
| Noninterest income to average assets | 0.6368% | 2,490 |
| Noninterest expense to average assets | 3.0037% | 2,313 |
| Loan and lease loss provision to assets | 0.4036% | 361 |
| Net operating income to assets | 1.0622% | 2,154 |
| Return on assets (ROA) | 1.2039% | 1,727 |
| Pretax return on assets | 1.2384% | 2,663 |
| Return on Equity (ROE) | 13.8782% | 851 |
| Retained earnings to average equity (ytd only) | 6.2581% | 2,028 |
| Net charge-offs to loans | 0.1619% | 1,409 |
| Credit loss provision to net charge-offs | 283.4081% | 1,088 |
| Earnings coverage of net charge-offs (x) | 10.5335% | 2,562 |
| Efficiency ratio | 66.2933% | 3,543 |
| Assets per employee ($millions) | 4.4904% | 3,102 |
| Cash dividends to net income (ytd only)* | 54.9074% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,650 |
| Loan loss allowance to noncurrent loans | 105.0356% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.9862% | 2,100 |
| Noncurrent loans to loans | 1.0798% | 2,096 |
| Net loans and leases to total assets | 87.5912% | 164 |
| Net loans and leases to deposits | 101.4182% | 615 |
| Net loans and leases to core deposits | 111.8639% | 818 |
| Total domestic deposits to total assets | 86.3664% | 2,183 |
| Equity capital to assets | 8.6861% | 5,409 |
| Core capital (leverage) ratio | 8.7397% | 5,115 |
| Tier 1 risk-based capital ratio | 10.2460% | 5,718 |
| Total risk-based capital ratio | 11.4344% | 5,678 |
| Memoranda: | ||
| Average total assets | $208,761,500 | 2,880 |
| Average earning assets | $192,876,250 | 2,882 |
| Average equity | $18,109,500 | 3,413 |
| Average total loans | $183,682,750 | 2,278 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1791% | 438 |
| Cost of funding earning assets | 1.0151% | 158 |
| Net interest margin | 4.1640% | 1,193 |
| Noninterest income to average assets | 0.7844% | 1,789 |
| Noninterest expense to average assets | 3.0399% | 2,231 |
| Loan and lease loss provision to assets | 0.4897% | 271 |
| Net operating income to assets | 1.0606% | 2,121 |
| Return on assets (ROA) | 1.0644% | 2,231 |
| Pretax return on assets | 1.0966% | 3,208 |
| Return on Equity (ROE) | 12.2754% | 1,219 |
| Retained earnings to average equity (ytd only) | 5.8058% | 2,233 |
| Net charge-offs to loans | 0.2512% | 943 |
| Credit loss provision to net charge-offs | 222.1239% | 1,210 |
| Earnings coverage of net charge-offs (x) | 7.1770% | 2,655 |
| Efficiency ratio | 65.3018% | 3,791 |
| Assets per employee ($millions) | 4.7211% | 2,670 |
| Cash dividends to net income (ytd only)* | 52.7039% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 3,877 |
| Loan loss allowance to noncurrent loans | 76.6224% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.4531% | 1,336 |
| Noncurrent loans to loans | 1.4527% | 1,524 |
| Net loans and leases to total assets | 86.8976% | 197 |
| Net loans and leases to deposits | 99.7811% | 711 |
| Net loans and leases to core deposits | 108.0657% | 1,038 |
| Total domestic deposits to total assets | 87.0882% | 1,872 |
| Equity capital to assets | 8.8388% | 5,374 |
| Core capital (leverage) ratio | 8.8360% | 5,015 |
| Tier 1 risk-based capital ratio | 10.3246% | 5,751 |
| Total risk-based capital ratio | 11.4703% | 5,714 |
| Memoranda: | ||
| Average total assets | $205,005,330 | 2,931 |
| Average earning assets | $188,951,330 | 2,938 |
| Average equity | $17,775,330 | 3,476 |
| Average total loans | $179,931,000 | 2,317 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3522% | 319 |
| Cost of funding earning assets | 0.9883% | 182 |
| Net interest margin | 4.3639% | 804 |
| Noninterest income to average assets | 0.2603% | 4,868 |
| Noninterest expense to average assets | 3.0246% | 2,317 |
| Loan and lease loss provision to assets | 0.1232% | 1,716 |
| Net operating income to assets | 1.0892% | 1,947 |
| Return on assets (ROA) | 1.0970% | 2,014 |
| Pretax return on assets | 1.1307% | 2,968 |
| Return on Equity (ROE) | 12.7822% | 1,085 |
| Retained earnings to average equity (ytd only) | -0.5326% | 5,208 |
| Net charge-offs to loans | -0.0974% | 5,623 |
| Credit loss provision to net charge-offs | -144.1860% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2187% | 3,075 |
| Assets per employee ($millions) | 4.8755% | 2,486 |
| Cash dividends to net income (ytd only)* | 104.1667% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 4,429 |
| Loan loss allowance to noncurrent loans | 94.2688% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.0155% | 2,174 |
| Noncurrent loans to loans | 1.0962% | 2,205 |
| Net loans and leases to total assets | 87.1635% | 160 |
| Net loans and leases to deposits | 101.6409% | 524 |
| Net loans and leases to core deposits | 111.1771% | 797 |
| Total domestic deposits to total assets | 85.7564% | 2,782 |
| Equity capital to assets | 8.6999% | 5,422 |
| Core capital (leverage) ratio | 9.0428% | 4,796 |
| Tier 1 risk-based capital ratio | 10.0051% | 5,915 |
| Total risk-based capital ratio | 11.0602% | 5,922 |
| Memoranda: | ||
| Average total assets | $201,283,500 | 2,974 |
| Average earning assets | $184,972,000 | 2,997 |
| Average equity | $17,274,000 | 3,547 |
| Average total loans | $176,551,000 | 2,348 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4032% | 319 |
| Cost of funding earning assets | 1.0165% | 160 |
| Net interest margin | 4.3867% | 817 |
| Noninterest income to average assets | 1.1316% | 925 |
| Noninterest expense to average assets | 3.4547% | 1,378 |
| Loan and lease loss provision to assets | 0.4304% | 290 |
| Net operating income to assets | 1.2137% | 1,507 |
| Return on assets (ROA) | 1.2137% | 1,573 |
| Pretax return on assets | 1.2616% | 2,428 |
| Return on Equity (ROE) | 14.2855% | 806 |
| Retained earnings to average equity (ytd only) | 5.1264% | 2,332 |
| Net charge-offs to loans | 0.2391% | 1,246 |
| Credit loss provision to net charge-offs | 208.5635% | 1,346 |
| Earnings coverage of net charge-offs (x) | 8.1989% | 2,986 |
| Efficiency ratio | 66.6704% | 3,800 |
| Assets per employee ($millions) | 4.1940% | 3,575 |
| Cash dividends to net income (ytd only)* | 64.1146% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 4,212 |
| Loan loss allowance to noncurrent loans | 1,001.1111% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 5,012 |
| Noncurrent loans to loans | 0.1069% | 5,076 |
| Net loans and leases to total assets | 86.3862% | 202 |
| Net loans and leases to deposits | 98.0307% | 811 |
| Net loans and leases to core deposits | 107.4146% | 1,009 |
| Total domestic deposits to total assets | 88.1216% | 1,567 |
| Equity capital to assets | 8.4537% | 5,600 |
| Core capital (leverage) ratio | 8.5283% | 5,392 |
| Tier 1 risk-based capital ratio | 9.7461% | 6,009 |
| Total risk-based capital ratio | 10.8321% | 6,024 |
| Memoranda: | ||
| Average total assets | $175,411,600 | 3,225 |
| Average earning assets | $160,551,800 | 3,251 |
| Average equity | $14,903,200 | 3,851 |
| Average total loans | $151,400,200 | 2,577 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4053% | 314 |
| Cost of funding earning assets | 1.0134% | 167 |
| Net interest margin | 4.3919% | 812 |
| Noninterest income to average assets | 1.1233% | 954 |
| Noninterest expense to average assets | 3.4799% | 1,322 |
| Loan and lease loss provision to assets | 0.5691% | 166 |
| Net operating income to assets | 1.0594% | 2,172 |
| Return on assets (ROA) | 1.0594% | 2,268 |
| Pretax return on assets | 1.0945% | 3,253 |
| Return on Equity (ROE) | 12.4518% | 1,251 |
| Retained earnings to average equity (ytd only) | 2.6938% | 4,500 |
| Net charge-offs to loans | 0.3616% | 725 |
| Credit loss provision to net charge-offs | 182.9574% | 1,452 |
| Earnings coverage of net charge-offs (x) | 5.3483% | 3,218 |
| Efficiency ratio | 67.1870% | 3,676 |
| Assets per employee ($millions) | 3.9620% | 3,951 |
| Cash dividends to net income (ytd only)* | 78.3664% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 4,183 |
| Loan loss allowance to noncurrent loans | 193.7639% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 3,342 |
| Noncurrent loans to loans | 0.5719% | 3,622 |
| Net loans and leases to total assets | 85.2040% | 283 |
| Net loans and leases to deposits | 96.5619% | 952 |
| Net loans and leases to core deposits | 112.9468% | 712 |
| Total domestic deposits to total assets | 88.2377% | 1,431 |
| Equity capital to assets | 8.6907% | 5,580 |
| Core capital (leverage) ratio | 8.7456% | 5,303 |
| Tier 1 risk-based capital ratio | 10.1015% | 6,009 |
| Total risk-based capital ratio | 11.2217% | 6,010 |
| Memoranda: | ||
| Average total assets | $171,034,000 | 3,315 |
| Average earning assets | $156,558,250 | 3,339 |
| Average equity | $14,551,750 | 3,940 |
| Average total loans | $147,135,250 | 2,643 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4815% | 273 |
| Cost of funding earning assets | 0.9866% | 189 |
| Net interest margin | 4.4948% | 644 |
| Noninterest income to average assets | 1.2697% | 757 |
| Noninterest expense to average assets | 3.5972% | 1,132 |
| Loan and lease loss provision to assets | 0.7144% | 120 |
| Net operating income to assets | 1.0327% | 2,213 |
| Return on assets (ROA) | 1.0327% | 2,334 |
| Pretax return on assets | 1.0686% | 3,308 |
| Return on Equity (ROE) | 12.2215% | 1,309 |
| Retained earnings to average equity (ytd only) | 1.3878% | 4,997 |
| Net charge-offs to loans | 0.4775% | 532 |
| Credit loss provision to net charge-offs | 174.0525% | 1,382 |
| Earnings coverage of net charge-offs (x) | 4.3440% | 3,051 |
| Efficiency ratio | 66.4146% | 3,941 |
| Assets per employee ($millions) | 3.9643% | 3,950 |
| Cash dividends to net income (ytd only)* | 88.6443% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 4,382 |
| Loan loss allowance to noncurrent loans | 117.1247% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 2,902 |
| Noncurrent loans to loans | 0.9300% | 2,807 |
| Net loans and leases to total assets | 84.5992% | 331 |
| Net loans and leases to deposits | 95.1084% | 1,040 |
| Net loans and leases to core deposits | 112.4457% | 729 |
| Total domestic deposits to total assets | 88.9502% | 1,165 |
| Equity capital to assets | 8.7683% | 5,464 |
| Core capital (leverage) ratio | 8.8441% | 5,166 |
| Tier 1 risk-based capital ratio | 10.3734% | 5,964 |
| Total risk-based capital ratio | 11.4868% | 5,960 |
| Memoranda: | ||
| Average total assets | $167,128,000 | 3,401 |
| Average earning assets | $152,842,000 | 3,405 |
| Average equity | $14,122,670 | 4,030 |
| Average total loans | $143,671,670 | 2,704 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4197% | 291 |
| Cost of funding earning assets | 0.9894% | 195 |
| Net interest margin | 4.4304% | 690 |
| Noninterest income to average assets | 1.1171% | 911 |
| Noninterest expense to average assets | 3.8069% | 870 |
| Loan and lease loss provision to assets | 0.1858% | 1,021 |
| Net operating income to assets | 1.1245% | 1,777 |
| Return on assets (ROA) | 1.1245% | 1,883 |
| Pretax return on assets | 1.1616% | 2,826 |
| Return on Equity (ROE) | 13.5898% | 959 |
| Retained earnings to average equity (ytd only) | -1.8259% | 5,672 |
| Net charge-offs to loans | 0.1724% | 1,241 |
| Credit loss provision to net charge-offs | 125.0000% | 1,404 |
| Earnings coverage of net charge-offs (x) | 9.0667% | 2,033 |
| Efficiency ratio | 73.3782% | 2,929 |
| Assets per employee ($millions) | 3.5539% | 4,804 |
| Cash dividends to net income (ytd only)* | 113.4361% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 4,969 |
| Loan loss allowance to noncurrent loans | 217.4046% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 4,256 |
| Noncurrent loans to loans | 0.4640% | 4,188 |
| Net loans and leases to total assets | 85.4766% | 221 |
| Net loans and leases to deposits | 94.7107% | 919 |
| Net loans and leases to core deposits | 113.0621% | 607 |
| Total domestic deposits to total assets | 90.2502% | 629 |
| Equity capital to assets | 8.1551% | 5,963 |
| Core capital (leverage) ratio | 8.1891% | 5,815 |
| Tier 1 risk-based capital ratio | 9.5105% | 6,271 |
| Total risk-based capital ratio | 10.5409% | 6,283 |
| Memoranda: | ||
| Average total assets | $161,495,500 | 3,487 |
| Average earning assets | $147,166,000 | 3,516 |
| Average equity | $13,363,000 | 4,178 |
| Average total loans | $139,217,000 | 2,765 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6940% | 225 |
| Cost of funding earning assets | 0.9419% | 306 |
| Net interest margin | 4.7521% | 481 |
| Noninterest income to average assets | 1.4435% | 584 |
| Noninterest expense to average assets | 4.0194% | 738 |
| Loan and lease loss provision to assets | 0.4872% | 320 |
| Net operating income to assets | 1.1622% | 1,711 |
| Return on assets (ROA) | 1.1622% | 1,784 |
| Pretax return on assets | 1.2058% | 2,632 |
| Return on Equity (ROE) | 13.5124% | 1,036 |
| Retained earnings to average equity (ytd only) | 4.0852% | 3,299 |
| Net charge-offs to loans | 0.4273% | 993 |
| Credit loss provision to net charge-offs | 132.6415% | 1,792 |
| Earnings coverage of net charge-offs (x) | 4.6094% | 3,608 |
| Efficiency ratio | 70.2535% | 3,489 |
| Assets per employee ($millions) | 3.3938% | 5,075 |
| Cash dividends to net income (ytd only)* | 69.7674% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 4,919 |
| Loan loss allowance to noncurrent loans | 146.1618% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 3,606 |
| Noncurrent loans to loans | 0.7023% | 3,573 |
| Net loans and leases to total assets | 85.1752% | 266 |
| Net loans and leases to deposits | 97.3579% | 803 |
| Net loans and leases to core deposits | 117.1293% | 497 |
| Total domestic deposits to total assets | 87.4867% | 2,040 |
| Equity capital to assets | 8.3970% | 5,828 |
| Core capital (leverage) ratio | 8.6056% | 5,441 |
| Tier 1 risk-based capital ratio | 9.8598% | 6,293 |
| Total risk-based capital ratio | 10.9171% | 6,301 |
| Memoranda: | ||
| Average total assets | $144,301,000 | 3,720 |
| Average earning assets | $129,626,600 | 3,781 |
| Average equity | $12,410,800 | 4,283 |
| Average total loans | $124,040,000 | 2,971 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6700% | 240 |
| Cost of funding earning assets | 0.9393% | 322 |
| Net interest margin | 4.7307% | 477 |
| Noninterest income to average assets | 1.4576% | 590 |
| Noninterest expense to average assets | 4.1167% | 670 |
| Loan and lease loss provision to assets | 0.4014% | 422 |
| Net operating income to assets | 1.1359% | 1,912 |
| Return on assets (ROA) | 1.1359% | 1,976 |
| Pretax return on assets | 1.1739% | 2,898 |
| Return on Equity (ROE) | 13.1193% | 1,194 |
| Retained earnings to average equity (ytd only) | 2.5428% | 4,775 |
| Net charge-offs to loans | 0.2165% | 1,739 |
| Credit loss provision to net charge-offs | 215.8163% | 1,192 |
| Earnings coverage of net charge-offs (x) | 8.4693% | 2,795 |
| Efficiency ratio | 72.2074% | 3,144 |
| Assets per employee ($millions) | 3.0659% | 5,654 |
| Cash dividends to net income (ytd only)* | 80.6179% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 4,394 |
| Loan loss allowance to noncurrent loans | 208.8445% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 4,063 |
| Noncurrent loans to loans | 0.5592% | 4,241 |
| Net loans and leases to total assets | 85.9824% | 198 |
| Net loans and leases to deposits | 101.1115% | 555 |
| Net loans and leases to core deposits | 125.5604% | 291 |
| Total domestic deposits to total assets | 85.0372% | 3,322 |
| Equity capital to assets | 9.1050% | 5,247 |
| Core capital (leverage) ratio | 8.8754% | 5,224 |
| Tier 1 risk-based capital ratio | 10.9857% | 5,998 |
| Total risk-based capital ratio | 12.2359% | 5,944 |
| Memoranda: | ||
| Average total assets | $140,498,750 | 3,818 |
| Average earning assets | $125,757,250 | 3,883 |
| Average equity | $12,165,000 | 4,353 |
| Average total loans | $120,732,000 | 3,038 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6646% | 235 |
| Cost of funding earning assets | 0.9363% | 339 |
| Net interest margin | 4.7283% | 462 |
| Noninterest income to average assets | 1.4228% | 598 |
| Noninterest expense to average assets | 4.0661% | 704 |
| Loan and lease loss provision to assets | 0.4537% | 352 |
| Net operating income to assets | 1.0783% | 2,014 |
| Return on assets (ROA) | 1.0783% | 2,087 |
| Pretax return on assets | 1.1156% | 3,036 |
| Return on Equity (ROE) | 12.6787% | 1,266 |
| Retained earnings to average equity (ytd only) | 4.6933% | 3,155 |
| Net charge-offs to loans | 0.2534% | 1,541 |
| Credit loss provision to net charge-offs | 209.2715% | 1,119 |
| Earnings coverage of net charge-offs (x) | 7.2384% | 2,660 |
| Efficiency ratio | 72.0510% | 3,329 |
| Assets per employee ($millions) | 2.9517% | 5,817 |
| Cash dividends to net income (ytd only)* | 62.9827% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 4,933 |
| Loan loss allowance to noncurrent loans | 294.9474% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 4,707 |
| Noncurrent loans to loans | 0.3714% | 4,881 |
| Net loans and leases to total assets | 87.4463% | 116 |
| Net loans and leases to deposits | 100.3985% | 539 |
| Net loans and leases to core deposits | 127.3260% | 255 |
| Total domestic deposits to total assets | 87.0992% | 2,402 |
| Equity capital to assets | 8.3078% | 5,946 |
| Core capital (leverage) ratio | 8.4487% | 5,688 |
| Tier 1 risk-based capital ratio | 9.5990% | 6,477 |
| Total risk-based capital ratio | 10.7433% | 6,481 |
| Memoranda: | ||
| Average total assets | $139,299,330 | 3,860 |
| Average earning assets | $124,105,000 | 3,930 |
| Average equity | $11,846,670 | 4,425 |
| Average total loans | $119,188,670 | 3,079 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6930% | 228 |
| Cost of funding earning assets | 0.9610% | 320 |
| Net interest margin | 4.7320% | 434 |
| Noninterest income to average assets | 1.7419% | 421 |
| Noninterest expense to average assets | 4.1601% | 633 |
| Loan and lease loss provision to assets | 0.6821% | 179 |
| Net operating income to assets | 1.0276% | 2,093 |
| Return on assets (ROA) | 1.0276% | 2,166 |
| Pretax return on assets | 1.0656% | 3,058 |
| Return on Equity (ROE) | 11.9367% | 1,424 |
| Retained earnings to average equity (ytd only) | 1.7344% | 4,918 |
| Net charge-offs to loans | 0.4319% | 846 |
| Credit loss provision to net charge-offs | 187.9032% | 1,093 |
| Earnings coverage of net charge-offs (x) | 4.8145% | 2,467 |
| Efficiency ratio | 70.3171% | 3,776 |
| Assets per employee ($millions) | 2.8493% | 6,047 |
| Cash dividends to net income (ytd only)* | 85.4701% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 4,741 |
| Loan loss allowance to noncurrent loans | 772.9885% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 4,981 |
| Noncurrent loans to loans | 0.1524% | 5,628 |
| Net loans and leases to total assets | 82.4877% | 328 |
| Net loans and leases to deposits | 92.5123% | 915 |
| Net loans and leases to core deposits | 115.5594% | 418 |
| Total domestic deposits to total assets | 89.1641% | 1,553 |
| Equity capital to assets | 8.6183% | 5,530 |
| Core capital (leverage) ratio | 8.4968% | 5,651 |
| Tier 1 risk-based capital ratio | 10.4629% | 6,346 |
| Total risk-based capital ratio | 11.6845% | 6,312 |
| Memoranda: | ||
| Average total assets | $136,631,500 | 3,942 |
| Average earning assets | $120,288,500 | 4,033 |
| Average equity | $11,762,000 | 4,460 |
| Average total loans | $114,843,500 | 3,175 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0003% | 169 |
| Cost of funding earning assets | 0.9883% | 475 |
| Net interest margin | 5.0120% | 306 |
| Noninterest income to average assets | 2.1836% | 350 |
| Noninterest expense to average assets | 4.7291% | 433 |
| Loan and lease loss provision to assets | 0.6856% | 337 |
| Net operating income to assets | 1.1590% | 1,724 |
| Return on assets (ROA) | 1.1590% | 1,781 |
| Pretax return on assets | 1.1967% | 2,595 |
| Return on Equity (ROE) | 13.3534% | 1,100 |
| Retained earnings to average equity (ytd only) | 4.6843% | 2,823 |
| Net charge-offs to loans | 0.6666% | 974 |
| Credit loss provision to net charge-offs | 120.3779% | 1,982 |
| Earnings coverage of net charge-offs (x) | 3.3050% | 3,901 |
| Efficiency ratio | 71.4252% | 3,583 |
| Assets per employee ($millions) | 2.7299% | 6,186 |
| Cash dividends to net income (ytd only)* | 64.9204% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 5,274 |
| Loan loss allowance to noncurrent loans | 237.2361% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6476% | 4,291 |
| Noncurrent loans to loans | 0.4510% | 4,869 |
| Net loans and leases to total assets | 83.7314% | 273 |
| Net loans and leases to deposits | 94.6611% | 823 |
| Net loans and leases to core deposits | 118.9294% | 350 |
| Total domestic deposits to total assets | 88.4539% | 1,924 |
| Equity capital to assets | 8.5988% | 5,476 |
| Core capital (leverage) ratio | 8.5375% | 5,623 |
| Tier 1 risk-based capital ratio | 10.2632% | 6,448 |
| Total risk-based capital ratio | 11.3696% | 6,445 |
| Memoranda: | ||
| Average total assets | $130,108,600 | 4,070 |
| Average earning assets | $114,943,400 | 4,165 |
| Average equity | $11,293,000 | 4,579 |
| Average total loans | $111,164,400 | 3,229 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0884% | 148 |
| Cost of funding earning assets | 0.9966% | 501 |
| Net interest margin | 5.0918% | 263 |
| Noninterest income to average assets | 2.3126% | 333 |
| Noninterest expense to average assets | 4.7538% | 419 |
| Loan and lease loss provision to assets | 0.7179% | 304 |
| Net operating income to assets | 1.3145% | 1,312 |
| Return on assets (ROA) | 1.3145% | 1,370 |
| Pretax return on assets | 1.3519% | 2,116 |
| Return on Equity (ROE) | 15.1072% | 784 |
| Retained earnings to average equity (ytd only) | 5.9141% | 2,470 |
| Net charge-offs to loans | 0.6214% | 997 |
| Credit loss provision to net charge-offs | 134.8928% | 1,748 |
| Earnings coverage of net charge-offs (x) | 3.8889% | 3,589 |
| Efficiency ratio | 69.5606% | 3,824 |
| Assets per employee ($millions) | 2.5763% | 6,404 |
| Cash dividends to net income (ytd only)* | 60.8522% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 5,312 |
| Loan loss allowance to noncurrent loans | 106.5767% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 3,651 |
| Noncurrent loans to loans | 1.0361% | 3,729 |
| Net loans and leases to total assets | 86.1626% | 145 |
| Net loans and leases to deposits | 99.0195% | 514 |
| Net loans and leases to core deposits | 128.5079% | 207 |
| Total domestic deposits to total assets | 87.0158% | 2,688 |
| Equity capital to assets | 8.9078% | 5,294 |
| Core capital (leverage) ratio | 8.6194% | 5,631 |
| Tier 1 risk-based capital ratio | 9.4657% | 6,686 |
| Total risk-based capital ratio | 10.5115% | 6,695 |
| Memoranda: | ||
| Average total assets | $128,511,750 | 4,149 |
| Average earning assets | $113,852,500 | 4,226 |
| Average equity | $11,182,000 | 4,652 |
| Average total loans | $110,074,000 | 3,267 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1364% | 146 |
| Cost of funding earning assets | 1.0177% | 497 |
| Net interest margin | 5.1187% | 247 |
| Noninterest income to average assets | 2.6342% | 297 |
| Noninterest expense to average assets | 4.6663% | 458 |
| Loan and lease loss provision to assets | 0.6256% | 398 |
| Net operating income to assets | 1.8157% | 502 |
| Return on assets (ROA) | 1.8157% | 541 |
| Pretax return on assets | 1.8534% | 817 |
| Return on Equity (ROE) | 21.0392% | 247 |
| Retained earnings to average equity (ytd only) | 12.2456% | 455 |
| Net charge-offs to loans | 0.4088% | 1,581 |
| Credit loss provision to net charge-offs | 179.7297% | 1,328 |
| Earnings coverage of net charge-offs (x) | 7.1216% | 2,596 |
| Efficiency ratio | 65.2183% | 4,673 |
| Assets per employee ($millions) | 2.5225% | 6,478 |
| Cash dividends to net income (ytd only)* | 41.7962% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 5,369 |
| Loan loss allowance to noncurrent loans | 101.5298% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 3,548 |
| Noncurrent loans to loans | 1.1015% | 3,729 |
| Net loans and leases to total assets | 84.9997% | 188 |
| Net loans and leases to deposits | 97.4624% | 576 |
| Net loans and leases to core deposits | 127.1265% | 209 |
| Total domestic deposits to total assets | 87.2129% | 2,704 |
| Equity capital to assets | 9.0576% | 5,161 |
| Core capital (leverage) ratio | 8.7837% | 5,314 |
| Tier 1 risk-based capital ratio | 9.8040% | 6,674 |
| Total risk-based capital ratio | 10.8682% | 6,687 |
| Memoranda: | ||
| Average total assets | $127,552,330 | 4,193 |
| Average earning assets | $112,411,670 | 4,282 |
| Average equity | $11,008,000 | 4,718 |
| Average total loans | $108,607,670 | 3,309 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0338% | 159 |
| Cost of funding earning assets | 1.0358% | 507 |
| Net interest margin | 4.9980% | 297 |
| Noninterest income to average assets | 2.2299% | 372 |
| Noninterest expense to average assets | 4.5967% | 495 |
| Loan and lease loss provision to assets | 0.3785% | 843 |
| Net operating income to assets | 1.6065% | 702 |
| Return on assets (ROA) | 1.6065% | 763 |
| Pretax return on assets | 1.6446% | 1,202 |
| Return on Equity (ROE) | 19.1080% | 350 |
| Retained earnings to average equity (ytd only) | 8.6270% | 1,514 |
| Net charge-offs to loans | 0.2891% | 1,809 |
| Credit loss provision to net charge-offs | 154.5455% | 1,336 |
| Earnings coverage of net charge-offs (x) | 8.2597% | 1,961 |
| Efficiency ratio | 69.3417% | 4,086 |
| Assets per employee ($millions) | 2.6089% | 6,486 |
| Cash dividends to net income (ytd only)* | 54.8515% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 5,754 |
| Loan loss allowance to noncurrent loans | 77.1918% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3152% | 3,328 |
| Noncurrent loans to loans | 1.3728% | 3,508 |
| Net loans and leases to total assets | 84.0291% | 189 |
| Net loans and leases to deposits | 95.5680% | 564 |
| Net loans and leases to core deposits | 128.9496% | 183 |
| Total domestic deposits to total assets | 87.9260% | 2,366 |
| Equity capital to assets | 8.5324% | 5,988 |
| Core capital (leverage) ratio | 8.3130% | 5,807 |
| Tier 1 risk-based capital ratio | 8.1548% | 6,856 |
| Total risk-based capital ratio | 9.0348% | 6,866 |
| Memoranda: | ||
| Average total assets | $125,743,000 | 4,267 |
| Average earning assets | $110,445,000 | 4,364 |
| Average equity | $10,571,500 | 4,868 |
| Average total loans | $106,533,500 | 3,372 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2812% | 177 |
| Cost of funding earning assets | 1.2596% | 438 |
| Net interest margin | 5.0215% | 378 |
| Noninterest income to average assets | 2.4777% | 324 |
| Noninterest expense to average assets | 4.5924% | 523 |
| Loan and lease loss provision to assets | 0.3213% | 2,126 |
| Net operating income to assets | 1.9620% | 386 |
| Return on assets (ROA) | 1.9620% | 417 |
| Pretax return on assets | 2.0020% | 596 |
| Return on Equity (ROE) | 24.2391% | 149 |
| Retained earnings to average equity (ytd only) | 16.5478% | 106 |
| Net charge-offs to loans | 0.2488% | 3,448 |
| Credit loss provision to net charge-offs | 153.3865% | 1,761 |
| Earnings coverage of net charge-offs (x) | 11.0916% | 2,071 |
| Efficiency ratio | 66.2966% | 4,443 |
| Assets per employee ($millions) | 2.4280% | 6,676 |
| Cash dividends to net income (ytd only)* | 31.7312% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 5,907 |
| Loan loss allowance to noncurrent loans | 62.3563% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 1.4684% | 3,182 |
| Noncurrent loans to loans | 1.6306% | 3,181 |
| Net loans and leases to total assets | 83.6596% | 235 |
| Net loans and leases to deposits | 95.0148% | 680 |
| Net loans and leases to core deposits | 130.5681% | 184 |
| Total domestic deposits to total assets | 88.0491% | 2,208 |
| Equity capital to assets | 8.2830% | 6,216 |
| Core capital (leverage) ratio | 8.2009% | 5,997 |
| Tier 1 risk-based capital ratio | 9.8183% | 6,745 |
| Total risk-based capital ratio | 10.8597% | 6,772 |
| Memoranda: | ||
| Average total assets | $119,827,200 | 4,368 |
| Average earning assets | $105,903,800 | 4,454 |
| Average equity | $9,699,200 | 5,053 |
| Average total loans | $100,896,600 | 3,495 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2469% | 71 |
| Cost of funding earning assets | 1.2976% | 440 |
| Net interest margin | 5.9493% | 95 |
| Noninterest income to average assets | 1.3241% | 841 |
| Noninterest expense to average assets | 4.1977% | 724 |
| Loan and lease loss provision to assets | 0.2188% | 2,870 |
| Net operating income to assets | 2.1429% | 315 |
| Return on assets (ROA) | 2.1429% | 349 |
| Pretax return on assets | 2.1767% | 495 |
| Return on Equity (ROE) | 26.6394% | 118 |
| Retained earnings to average equity (ytd only) | 18.2550% | 116 |
| Net charge-offs to loans | 0.1260% | 4,117 |
| Credit loss provision to net charge-offs | 206.3830% | 1,341 |
| Earnings coverage of net charge-offs (x) | 22.5958% | 1,349 |
| Efficiency ratio | 63.5477% | 4,880 |
| Assets per employee ($millions) | 2.9061% | 6,209 |
| Cash dividends to net income (ytd only)* | 31.4735% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 5,973 |
| Loan loss allowance to noncurrent loans | 88.3936% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.1396% | 4,009 |
| Noncurrent loans to loans | 1.1640% | 4,122 |
| Net loans and leases to total assets | 82.8285% | 292 |
| Net loans and leases to deposits | 94.0455% | 790 |
| Net loans and leases to core deposits | 136.5119% | 155 |
| Total domestic deposits to total assets | 88.0728% | 2,002 |
| Equity capital to assets | 8.3199% | 6,407 |
| Core capital (leverage) ratio | 8.2570% | 6,078 |
| Tier 1 risk-based capital ratio | 10.0912% | 6,776 |
| Total risk-based capital ratio | 11.1589% | 6,798 |
| Memoranda: | ||
| Average total assets | $118,219,500 | 4,441 |
| Average earning assets | $104,704,750 | 4,520 |
| Average equity | $9,509,500 | 5,149 |
| Average total loans | $99,442,750 | 3,572 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8759% | 91 |
| Cost of funding earning assets | 1.3090% | 506 |
| Net interest margin | 5.5669% | 165 |
| Noninterest income to average assets | 1.5786% | 594 |
| Noninterest expense to average assets | 4.0072% | 933 |
| Loan and lease loss provision to assets | 0.2001% | 3,080 |
| Net operating income to assets | 2.2832% | 249 |
| Return on assets (ROA) | 2.2832% | 278 |
| Pretax return on assets | 2.3174% | 400 |
| Return on Equity (ROE) | 28.7272% | 86 |
| Retained earnings to average equity (ytd only) | 20.7008% | 90 |
| Net charge-offs to loans | 0.0609% | 4,572 |
| Credit loss provision to net charge-offs | 390.0000% | 760 |
| Earnings coverage of net charge-offs (x) | 49.0667% | 743 |
| Efficiency ratio | 61.3106% | 5,367 |
| Assets per employee ($millions) | 2.8241% | 6,367 |
| Cash dividends to net income (ytd only)* | 27.9401% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 6,105 |
| Loan loss allowance to noncurrent loans | 94.2779% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.2130% | 3,989 |
| Noncurrent loans to loans | 1.0737% | 4,376 |
| Net loans and leases to total assets | 83.5842% | 233 |
| Net loans and leases to deposits | 98.7268% | 483 |
| Net loans and leases to core deposits | 143.0123% | 131 |
| Total domestic deposits to total assets | 84.6621% | 4,024 |
| Equity capital to assets | 8.0823% | 6,524 |
| Core capital (leverage) ratio | 8.2052% | 6,044 |
| Tier 1 risk-based capital ratio | 9.6138% | 6,907 |
| Total risk-based capital ratio | 10.6547% | 6,936 |
| Memoranda: | ||
| Average total assets | $116,940,330 | 4,482 |
| Average earning assets | $103,899,000 | 4,577 |
| Average equity | $9,294,330 | 5,204 |
| Average total loans | $98,540,670 | 3,609 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9941% | 88 |
| Cost of funding earning assets | 1.3603% | 486 |
| Net interest margin | 5.6338% | 152 |
| Noninterest income to average assets | 1.2381% | 927 |
| Noninterest expense to average assets | 4.0142% | 923 |
| Loan and lease loss provision to assets | 0.2755% | 2,258 |
| Net operating income to assets | 1.9112% | 489 |
| Return on assets (ROA) | 1.9112% | 561 |
| Pretax return on assets | 1.9461% | 811 |
| Return on Equity (ROE) | 24.2639% | 207 |
| Retained earnings to average equity (ytd only) | 16.0726% | 362 |
| Net charge-offs to loans | 0.1243% | 3,363 |
| Credit loss provision to net charge-offs | 263.3333% | 1,099 |
| Earnings coverage of net charge-offs (x) | 21.2333% | 1,159 |
| Efficiency ratio | 64.2617% | 4,877 |
| Assets per employee ($millions) | 3.0047% | 6,145 |
| Cash dividends to net income (ytd only)* | 33.7591% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 6,194 |
| Loan loss allowance to noncurrent loans | 172.1170% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.8568% | 4,814 |
| Noncurrent loans to loans | 0.5884% | 5,483 |
| Net loans and leases to total assets | 83.4040% | 199 |
| Net loans and leases to deposits | 97.3253% | 466 |
| Net loans and leases to core deposits | 140.9025% | 144 |
| Total domestic deposits to total assets | 85.6961% | 3,688 |
| Equity capital to assets | 7.8636% | 6,602 |
| Core capital (leverage) ratio | 7.9732% | 6,280 |
| Tier 1 risk-based capital ratio | 9.2983% | 6,995 |
| Total risk-based capital ratio | 10.3337% | 7,024 |
| Memoranda: | ||
| Average total assets | $114,691,500 | 4,574 |
| Average earning assets | $101,742,500 | 4,658 |
| Average equity | $9,034,000 | 5,272 |
| Average total loans | $96,540,500 | 3,673 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3606% | 75 |
| Cost of funding earning assets | 1.6581% | 383 |
| Net interest margin | 5.7025% | 131 |
| Noninterest income to average assets | 1.6552% | 508 |
| Noninterest expense to average assets | 4.8507% | 435 |
| Loan and lease loss provision to assets | 0.5036% | 2,088 |
| Net operating income to assets | 1.3479% | 1,146 |
| Return on assets (ROA) | 1.3479% | 1,237 |
| Pretax return on assets | 1.3823% | 1,834 |
| Return on Equity (ROE) | 16.4486% | 547 |
| Retained earnings to average equity (ytd only) | 13.1421% | 214 |
| Net charge-offs to loans | 0.3787% | 3,519 |
| Credit loss provision to net charge-offs | 158.8235% | 1,744 |
| Earnings coverage of net charge-offs (x) | 5.9474% | 2,635 |
| Efficiency ratio | 71.8741% | 3,597 |
| Assets per employee ($millions) | 2.9526% | 6,192 |
| Cash dividends to net income (ytd only)* | 20.1020% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,182 |
| Loan loss allowance to noncurrent loans | 264.1667% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.7032% | 5,233 |
| Noncurrent loans to loans | 0.3816% | 5,950 |
| Net loans and leases to total assets | 83.2395% | 256 |
| Net loans and leases to deposits | 97.2651% | 609 |
| Net loans and leases to core deposits | 140.5780% | 170 |
| Total domestic deposits to total assets | 85.5800% | 3,553 |
| Equity capital to assets | 7.8905% | 6,639 |
| Core capital (leverage) ratio | 8.0194% | 6,244 |
| Tier 1 risk-based capital ratio | 9.4154% | 6,977 |
| Total risk-based capital ratio | 10.4551% | 7,001 |
| Memoranda: | ||
| Average total assets | $101,862,000 | 4,847 |
| Average earning assets | $90,767,400 | 4,904 |
| Average equity | $8,347,200 | 5,463 |
| Average total loans | $85,300,400 | 3,990 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6715% | 61 |
| Cost of funding earning assets | 1.7238% | 359 |
| Net interest margin | 5.9477% | 94 |
| Noninterest income to average assets | 1.5445% | 550 |
| Noninterest expense to average assets | 4.7824% | 445 |
| Loan and lease loss provision to assets | 0.5332% | 1,851 |
| Net operating income to assets | 1.5028% | 922 |
| Return on assets (ROA) | 1.5028% | 1,008 |
| Pretax return on assets | 1.5391% | 1,548 |
| Return on Equity (ROE) | 18.1487% | 441 |
| Retained earnings to average equity (ytd only) | 15.9106% | 186 |
| Net charge-offs to loans | 0.4078% | 3,091 |
| Credit loss provision to net charge-offs | 156.2992% | 1,987 |
| Earnings coverage of net charge-offs (x) | 6.0748% | 2,628 |
| Efficiency ratio | 69.6317% | 4,013 |
| Assets per employee ($millions) | 2.4290% | 6,957 |
| Cash dividends to net income (ytd only)* | 12.3328% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 6,165 |
| Loan loss allowance to noncurrent loans | 62.9088% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.7521% | 3,469 |
| Noncurrent loans to loans | 1.6218% | 3,869 |
| Net loans and leases to total assets | 83.9663% | 228 |
| Net loans and leases to deposits | 98.2391% | 565 |
| Net loans and leases to core deposits | 141.5073% | 175 |
| Total domestic deposits to total assets | 85.4714% | 3,517 |
| Equity capital to assets | 8.3639% | 6,426 |
| Core capital (leverage) ratio | 8.2303% | 6,092 |
| Tier 1 risk-based capital ratio | 9.9949% | 6,957 |
| Total risk-based capital ratio | 11.0616% | 6,997 |
| Memoranda: | ||
| Average total assets | $99,278,000 | 4,946 |
| Average earning assets | $88,637,500 | 5,001 |
| Average equity | $8,220,750 | 5,533 |
| Average total loans | $83,039,500 | 4,088 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3275% | 81 |
| Cost of funding earning assets | 1.8146% | 290 |
| Net interest margin | 5.5129% | 175 |
| Noninterest income to average assets | 2.0686% | 345 |
| Noninterest expense to average assets | 4.9347% | 392 |
| Loan and lease loss provision to assets | 0.5474% | 1,773 |
| Net operating income to assets | 1.4638% | 951 |
| Return on assets (ROA) | 1.4638% | 1,015 |
| Pretax return on assets | 1.5007% | 1,531 |
| Return on Equity (ROE) | 17.7413% | 481 |
| Retained earnings to average equity (ytd only) | 14.3123% | 289 |
| Net charge-offs to loans | 0.4016% | 2,950 |
| Credit loss provision to net charge-offs | 163.8037% | 1,847 |
| Earnings coverage of net charge-offs (x) | 6.1288% | 2,459 |
| Efficiency ratio | 70.5520% | 4,016 |
| Assets per employee ($millions) | 2.3662% | 7,058 |
| Cash dividends to net income (ytd only)* | 19.3277% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 6,311 |
| Loan loss allowance to noncurrent loans | 52.3636% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 2.0128% | 3,214 |
| Noncurrent loans to loans | 1.9181% | 3,584 |
| Net loans and leases to total assets | 83.6940% | 260 |
| Net loans and leases to deposits | 103.8677% | 321 |
| Net loans and leases to core deposits | 129.3098% | 281 |
| Total domestic deposits to total assets | 80.5775% | 5,656 |
| Equity capital to assets | 8.1869% | 6,528 |
| Core capital (leverage) ratio | 8.2389% | 5,967 |
| Tier 1 risk-based capital ratio | 9.7803% | 7,038 |
| Total risk-based capital ratio | 10.8289% | 7,092 |
| Memoranda: | ||
| Average total assets | $97,554,330 | 5,034 |
| Average earning assets | $86,959,670 | 5,097 |
| Average equity | $8,049,000 | 5,598 |
| Average total loans | $81,184,000 | 4,171 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3144% | 50 |
| Cost of funding earning assets | 1.8592% | 303 |
| Net interest margin | 6.4552% | 71 |
| Noninterest income to average assets | 1.5337% | 556 |
| Noninterest expense to average assets | 5.0158% | 360 |
| Loan and lease loss provision to assets | 0.9303% | 852 |
| Net operating income to assets | 1.2822% | 1,316 |
| Return on assets (ROA) | 1.2822% | 1,362 |
| Pretax return on assets | 1.3200% | 1,978 |
| Return on Equity (ROE) | 15.4770% | 744 |
| Retained earnings to average equity (ytd only) | 15.4770% | 347 |
| Net charge-offs to loans | 0.8481% | 1,556 |
| Credit loss provision to net charge-offs | 132.9341% | 2,085 |
| Earnings coverage of net charge-offs (x) | 3.2156% | 2,816 |
| Efficiency ratio | 68.9158% | 4,492 |
| Assets per employee ($millions) | 2.0067% | 7,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 6,340 |
| Loan loss allowance to noncurrent loans | 50.6211% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 2.0930% | 3,202 |
| Noncurrent loans to loans | 2.0045% | 3,570 |
| Net loans and leases to total assets | 82.5398% | 304 |
| Net loans and leases to deposits | 96.8003% | 633 |
| Net loans and leases to core deposits | 117.6913% | 483 |
| Total domestic deposits to total assets | 85.2682% | 3,905 |
| Equity capital to assets | 8.3698% | 6,085 |
| Core capital (leverage) ratio | 8.1480% | 6,058 |
| Tier 1 risk-based capital ratio | 9.7045% | 7,092 |
| Total risk-based capital ratio | 10.7197% | 7,158 |
| Memoranda: | ||
| Average total assets | $95,457,500 | 5,117 |
| Average earning assets | $84,769,000 | 5,196 |
| Average equity | $7,908,500 | 5,639 |
| Average total loans | $78,765,500 | 4,301 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1165% | 127 |
| Cost of funding earning assets | 2.1820% | 320 |
| Net interest margin | 4.9345% | 502 |
| Noninterest income to average assets | 4.6438% | 145 |
| Noninterest expense to average assets | 5.9200% | 239 |
| Loan and lease loss provision to assets | 0.8823% | 1,855 |
| Net operating income to assets | 2.2088% | 195 |
| Return on assets (ROA) | 2.2088% | 200 |
| Pretax return on assets | 2.2519% | 282 |
| Return on Equity (ROE) | 26.1672% | 83 |
| Retained earnings to average equity (ytd only) | 19.2744% | 65 |
| Net charge-offs to loans | 0.6700% | 2,999 |
| Credit loss provision to net charge-offs | 154.5073% | 2,294 |
| Earnings coverage of net charge-offs (x) | 5.4885% | 2,610 |
| Efficiency ratio | 65.3312% | 5,103 |
| Assets per employee ($millions) | 1.9305% | 7,446 |
| Cash dividends to net income (ytd only)* | 26.3415% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 6,445 |
| Loan loss allowance to noncurrent loans | 26.7323% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 3.4368% | 2,033 |
| Noncurrent loans to loans | 3.6821% | 2,020 |
| Net loans and leases to total assets | 80.8220% | 564 |
| Net loans and leases to deposits | 95.3326% | 921 |
| Net loans and leases to core deposits | 116.1514% | 635 |
| Total domestic deposits to total assets | 84.7790% | 3,956 |
| Equity capital to assets | 8.1983% | 6,265 |
| Core capital (leverage) ratio | 8.0731% | 6,073 |
| Tier 1 risk-based capital ratio | 9.5506% | 7,125 |
| Total risk-based capital ratio | 10.5217% | 7,197 |
| Memoranda: | ||
| Average total assets | $83,530,600 | 5,481 |
| Average earning assets | $74,657,800 | 5,521 |
| Average equity | $7,050,800 | 6,017 |
| Average total loans | $71,195,400 | 4,632 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4534% | 86 |
| Cost of funding earning assets | 2.2550% | 319 |
| Net interest margin | 5.1984% | 297 |
| Noninterest income to average assets | 3.8184% | 179 |
| Noninterest expense to average assets | 5.3322% | 301 |
| Loan and lease loss provision to assets | 0.7891% | 1,932 |
| Net operating income to assets | 2.3145% | 186 |
| Return on assets (ROA) | 2.3145% | 198 |
| Pretax return on assets | 2.3591% | 292 |
| Return on Equity (ROE) | 27.1907% | 73 |
| Retained earnings to average equity (ytd only) | 22.4778% | 53 |
| Net charge-offs to loans | 0.4572% | 3,465 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 7.9790% | 2,229 |
| Efficiency ratio | 62.7604% | 5,477 |
| Assets per employee ($millions) | 1.9279% | 7,540 |
| Cash dividends to net income (ytd only)* | 17.3322% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 6,371 |
| Loan loss allowance to noncurrent loans | 26.2225% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 3.3084% | 2,152 |
| Noncurrent loans to loans | 3.8324% | 1,996 |
| Net loans and leases to total assets | 82.1984% | 472 |
| Net loans and leases to deposits | 97.6844% | 818 |
| Net loans and leases to core deposits | 120.2289% | 601 |
| Total domestic deposits to total assets | 84.1469% | 4,034 |
| Equity capital to assets | 8.5202% | 6,255 |
| Core capital (leverage) ratio | 8.7383% | 5,125 |
| Tier 1 risk-based capital ratio | 10.2422% | 6,935 |
| Total risk-based capital ratio | 11.2761% | 7,040 |
| Memoranda: | ||
| Average total assets | $80,765,000 | 5,643 |
| Average earning assets | $72,430,500 | 5,656 |
| Average equity | $6,874,750 | 6,153 |
| Average total loans | $69,691,250 | 4,768 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6211% | 82 |
| Cost of funding earning assets | 2.3465% | 289 |
| Net interest margin | 5.2746% | 253 |
| Noninterest income to average assets | 2.4115% | 283 |
| Noninterest expense to average assets | 4.7462% | 460 |
| Loan and lease loss provision to assets | 0.7194% | 2,025 |
| Net operating income to assets | 1.6384% | 666 |
| Return on assets (ROA) | 1.6384% | 712 |
| Pretax return on assets | 1.6819% | 1,088 |
| Return on Equity (ROE) | 19.2549% | 367 |
| Retained earnings to average equity (ytd only) | 11.9440% | 502 |
| Net charge-offs to loans | 0.1960% | 4,432 |
| Credit loss provision to net charge-offs | 419.4030% | 871 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,555 |
| Efficiency ratio | 66.2607% | 4,937 |
| Assets per employee ($millions) | 1.8243% | 7,644 |
| Cash dividends to net income (ytd only)* | 37.9688% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,364 |
| Loan loss allowance to noncurrent loans | 28.4689% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 3.2074% | 2,208 |
| Noncurrent loans to loans | 3.5409% | 2,231 |
| Net loans and leases to total assets | 85.4115% | 263 |
| Net loans and leases to deposits | 102.8773% | 543 |
| Net loans and leases to core deposits | 120.5011% | 678 |
| Total domestic deposits to total assets | 83.0227% | 4,565 |
| Equity capital to assets | 8.2761% | 6,454 |
| Core capital (leverage) ratio | 8.3276% | 5,708 |
| Tier 1 risk-based capital ratio | 9.8058% | 7,130 |
| Total risk-based capital ratio | 10.8689% | 7,218 |
| Memoranda: | ||
| Average total assets | $78,125,670 | 5,754 |
| Average earning assets | $70,147,000 | 5,766 |
| Average equity | $6,647,670 | 6,255 |
| Average total loans | $68,376,330 | 4,847 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8015% | 57 |
| Cost of funding earning assets | 2.4100% | 290 |
| Net interest margin | 6.3915% | 80 |
| Noninterest income to average assets | 1.6863% | 447 |
| Noninterest expense to average assets | 4.5599% | 538 |
| Loan and lease loss provision to assets | 0.9456% | 1,330 |
| Net operating income to assets | 1.8754% | 424 |
| Return on assets (ROA) | 1.8754% | 466 |
| Pretax return on assets | 1.9070% | 725 |
| Return on Equity (ROE) | 21.7203% | 288 |
| Retained earnings to average equity (ytd only) | 21.7203% | 159 |
| Net charge-offs to loans | -0.0357% | 7,246 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5167% | 5,909 |
| Assets per employee ($millions) | 1.9627% | 7,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 6,383 |
| Loan loss allowance to noncurrent loans | 18.1987% | 7,097 |
| Noncurrent assets plus other real estate owned to assets | 5.0193% | 1,277 |
| Noncurrent loans to loans | 5.5771% | 1,243 |
| Net loans and leases to total assets | 87.5302% | 145 |
| Net loans and leases to deposits | 108.3599% | 332 |
| Net loans and leases to core deposits | 116.9325% | 912 |
| Total domestic deposits to total assets | 80.7773% | 5,527 |
| Equity capital to assets | 8.8223% | 5,505 |
| Core capital (leverage) ratio | 8.3888% | 5,583 |
| Tier 1 risk-based capital ratio | 10.2408% | 6,855 |
| Total risk-based capital ratio | 11.3177% | 6,982 |
| Memoranda: | ||
| Average total assets | $76,142,500 | 5,875 |
| Average earning assets | $68,216,000 | 5,898 |
| Average equity | $6,574,500 | 6,325 |
| Average total loans | $67,149,500 | 4,958 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5791% | 40 |
| Cost of funding earning assets | 2.8590% | 363 |
| Net interest margin | 6.7201% | 59 |
| Noninterest income to average assets | 2.1049% | 350 |
| Noninterest expense to average assets | 5.4288% | 404 |
| Loan and lease loss provision to assets | 0.1498% | 6,164 |
| Net operating income to assets | 2.6649% | 74 |
| Return on assets (ROA) | 2.6649% | 79 |
| Pretax return on assets | 2.7013% | 126 |
| Return on Equity (ROE) | 33.3248% | 36 |
| Retained earnings to average equity (ytd only) | 33.3248% | 12 |
| Net charge-offs to loans | 0.0182% | 6,968 |
| Credit loss provision to net charge-offs | 936.3636% | 314 |
| Earnings coverage of net charge-offs (x) | 178.1818% | 155 |
| Efficiency ratio | 65.4252% | 5,508 |
| Assets per employee ($millions) | 1.9932% | 7,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7521% | 7,262 |
| Loan loss allowance to noncurrent loans | 10.8748% | 7,355 |
| Noncurrent assets plus other real estate owned to assets | 6.2054% | 899 |
| Noncurrent loans to loans | 6.9162% | 821 |
| Net loans and leases to total assets | 87.2868% | 209 |
| Net loans and leases to deposits | 106.3767% | 533 |
| Net loans and leases to core deposits | 148.9221% | 535 |
| Total domestic deposits to total assets | 82.0544% | 4,924 |
| Equity capital to assets | 8.4447% | 5,984 |
| Core capital (leverage) ratio | 8.0665% | 6,053 |
| Tier 1 risk-based capital ratio | 9.5314% | 7,204 |
| Total risk-based capital ratio | 10.3054% | 7,468 |
| Memoranda: | ||
| Average total assets | $68,744,800 | 6,045 |
| Average earning assets | $63,168,800 | 6,029 |
| Average equity | $5,497,400 | 6,771 |
| Average total loans | $60,596,800 | 5,223 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5826% | 128 |
| Cost of funding earning assets | 2.8445% | 530 |
| Net interest margin | 4.7380% | 781 |
| Noninterest income to average assets | 2.2031% | 319 |
| Noninterest expense to average assets | 3.1464% | 3,474 |
| Loan and lease loss provision to assets | 0.0796% | 6,570 |
| Net operating income to assets | 3.3235% | 49 |
| Return on assets (ROA) | 3.3235% | 51 |
| Pretax return on assets | 3.3593% | 79 |
| Return on Equity (ROE) | 42.2286% | 24 |
| Retained earnings to average equity (ytd only) | 42.2286% | 13 |
| Net charge-offs to loans | 0.0316% | 6,451 |
| Credit loss provision to net charge-offs | 285.7143% | 1,466 |
| Earnings coverage of net charge-offs (x) | 123.4033% | 302 |
| Efficiency ratio | 47.7788% | 7,673 |
| Assets per employee ($millions) | 3.1620% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6582% | 7,472 |
| Loan loss allowance to noncurrent loans | 19.7997% | 7,104 |
| Noncurrent assets plus other real estate owned to assets | 3.3166% | 2,034 |
| Noncurrent loans to loans | 3.3241% | 2,271 |
| Net loans and leases to total assets | 90.2839% | 105 |
| Net loans and leases to deposits | 110.6190% | 444 |
| Net loans and leases to core deposits | 153.0227% | 512 |
| Total domestic deposits to total assets | 81.6171% | 4,831 |
| Equity capital to assets | 8.5651% | 6,160 |
| Core capital (leverage) ratio | 8.5264% | 5,441 |
| Tier 1 risk-based capital ratio | 9.8217% | 7,117 |
| Total risk-based capital ratio | 10.5180% | 7,497 |
| Memoranda: | ||
| Average total assets | $66,996,000 | 6,155 |
| Average earning assets | $61,965,000 | 6,109 |
| Average equity | $5,272,750 | 6,914 |
| Average total loans | $59,093,000 | 5,330 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7705% | 114 |
| Cost of funding earning assets | 3.0134% | 453 |
| Net interest margin | 4.7571% | 720 |
| Noninterest income to average assets | 1.6102% | 578 |
| Noninterest expense to average assets | 3.0421% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.9714% | 61 |
| Return on assets (ROA) | 2.9714% | 68 |
| Pretax return on assets | 2.9776% | 102 |
| Return on Equity (ROE) | 39.0392% | 33 |
| Retained earnings to average equity (ytd only) | 39.0392% | 20 |
| Net charge-offs to loans | 0.0634% | 5,611 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 53.8333% | 656 |
| Efficiency ratio | 50.5360% | 7,631 |
| Assets per employee ($millions) | 3.7185% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6358% | 7,570 |
| Loan loss allowance to noncurrent loans | 22.8789% | 6,971 |
| Noncurrent assets plus other real estate owned to assets | 2.7770% | 2,317 |
| Noncurrent loans to loans | 2.7790% | 2,587 |
| Net loans and leases to total assets | 86.4899% | 330 |
| Net loans and leases to deposits | 105.0906% | 823 |
| Net loans and leases to core deposits | 139.9492% | 1,012 |
| Total domestic deposits to total assets | 82.3003% | 4,570 |
| Equity capital to assets | 7.8201% | 6,957 |
| Core capital (leverage) ratio | 7.9033% | 6,487 |
| Tier 1 risk-based capital ratio | 9.3486% | 7,509 |
| Total risk-based capital ratio | 10.0203% | 7,838 |
| Memoranda: | ||
| Average total assets | $65,086,330 | 6,257 |
| Average earning assets | $60,331,000 | 6,209 |
| Average equity | $4,954,000 | 7,082 |
| Average total loans | $56,759,330 | 5,479 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4175% | 185 |
| Cost of funding earning assets | 2.9905% | 617 |
| Net interest margin | 4.4270% | 1,279 |
| Noninterest income to average assets | 0.3467% | 5,672 |
| Noninterest expense to average assets | 3.0175% | 3,687 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4317% | 1,075 |
| Return on assets (ROA) | 1.4317% | 1,159 |
| Pretax return on assets | 1.4445% | 1,829 |
| Return on Equity (ROE) | 19.1068% | 495 |
| Retained earnings to average equity (ytd only) | 19.1068% | 191 |
| Net charge-offs to loans | -0.0441% | 7,661 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6259% | 5,038 |
| Assets per employee ($millions) | 3.4905% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7454% | 7,323 |
| Loan loss allowance to noncurrent loans | 30.2478% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 2.5241% | 2,274 |
| Noncurrent loans to loans | 2.4642% | 2,676 |
| Net loans and leases to total assets | 83.3278% | 800 |
| Net loans and leases to deposits | 101.4316% | 1,241 |
| Net loans and leases to core deposits | 131.6413% | 1,561 |
| Total domestic deposits to total assets | 82.1517% | 4,491 |
| Equity capital to assets | 7.2075% | 7,559 |
| Core capital (leverage) ratio | 7.6125% | 7,010 |
| Tier 1 risk-based capital ratio | 9.2329% | 7,644 |
| Total risk-based capital ratio | 10.0411% | 7,937 |
| Memoranda: | ||
| Average total assets | $62,304,000 | 6,388 |
| Average earning assets | $57,917,000 | 6,342 |
| Average equity | $4,668,500 | 7,233 |
| Average total loans | $54,390,500 | 5,609 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5911% | 95 |
| Cost of funding earning assets | 3.4137% | 687 |
| Net interest margin | 5.1774% | 353 |
| Noninterest income to average assets | 0.3461% | 5,969 |
| Noninterest expense to average assets | 3.4062% | 2,658 |
| Loan and lease loss provision to assets | 0.7105% | 2,077 |
| Net operating income to assets | 1.1610% | 1,905 |
| Return on assets (ROA) | 1.1610% | 1,833 |
| Pretax return on assets | 1.0621% | 3,175 |
| Return on Equity (ROE) | 14.8645% | 945 |
| Retained earnings to average equity (ytd only) | 14.8645% | 95 |
| Net charge-offs to loans | 0.6530% | 1,899 |
| Credit loss provision to net charge-offs | 119.0184% | 4,527 |
| Earnings coverage of net charge-offs (x) | 2.9693% | 4,605 |
| Efficiency ratio | 65.7709% | 5,176 |
| Assets per employee ($millions) | 3.2382% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7702% | 7,202 |
| Loan loss allowance to noncurrent loans | 36.9134% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 2.0759% | 2,372 |
| Noncurrent loans to loans | 2.0865% | 2,651 |
| Net loans and leases to total assets | 90.4028% | 169 |
| Net loans and leases to deposits | 111.5028% | 736 |
| Net loans and leases to core deposits | 139.4169% | 1,297 |
| Total domestic deposits to total assets | 81.0767% | 4,605 |
| Equity capital to assets | 7.8181% | 7,072 |
| Core capital (leverage) ratio | 7.5638% | 7,128 |
| Tier 1 risk-based capital ratio | 9.4196% | 7,395 |
| Total risk-based capital ratio | 10.2723% | 7,752 |
| Memoranda: | ||
| Average total assets | $54,606,800 | 6,597 |
| Average earning assets | $50,971,400 | 6,557 |
| Average equity | $4,265,200 | 7,407 |
| Average total loans | $49,920,600 | 5,706 |