Home > FBT Bank & Mortgage > Performance and Condition Ratios
FBT Bank & Mortgage, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5005% | 1,159 |
| Cost of funding earning assets | 1.6637% | 1,534 |
| Net interest margin | 3.8368% | 1,499 |
| Noninterest income to average assets | 2.1700% | 245 |
| Noninterest expense to average assets | 3.8845% | 402 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.6914% | 746 |
| Return on assets (ROA) | 1.2779% | 1,448 |
| Pretax return on assets | 1.2779% | 1,934 |
| Return on Equity (ROE) | 25.2200% | 306 |
| Retained earnings to average equity (ytd only) | 25.2155% | 70 |
| Net charge-offs to loans | 0.1133% | 834 |
| Credit loss provision to net charge-offs | 347.2222% | 857 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,613 |
| Efficiency ratio | 67.0991% | 2,220 |
| Assets per employee ($millions) | 5.9918% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 1,070 |
| Loan loss allowance to noncurrent loans | 418.7243% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 2,221 |
| Noncurrent loans to loans | 0.3569% | 1,914 |
| Net loans and leases to total assets | 54.6100% | 3,301 |
| Net loans and leases to deposits | 63.3976% | 3,322 |
| Net loans and leases to core deposits | 79.9237% | 2,704 |
| Total domestic deposits to total assets | 86.1300% | 1,968 |
| Equity capital to assets | 5.4408% | 4,349 |
| Core capital (leverage) ratio | 9.7407% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $234,364,800 | 2,771 |
| Average earning assets | $220,888,200 | 2,734 |
| Average equity | $11,877,600 | 3,538 |
| Average total loans | $127,143,400 | 2,881 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3136% | 1,273 |
| Cost of funding earning assets | 1.4883% | 1,641 |
| Net interest margin | 3.8254% | 1,545 |
| Noninterest income to average assets | 1.1300% | 539 |
| Noninterest expense to average assets | 3.0842% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6527% | 857 |
| Return on assets (ROA) | 1.6400% | 870 |
| Pretax return on assets | 1.6400% | 1,285 |
| Return on Equity (ROE) | 33.0000% | 179 |
| Retained earnings to average equity (ytd only) | 33.0037% | 65 |
| Net charge-offs to loans | 0.0053% | 2,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 574.0000% | 273 |
| Efficiency ratio | 65.1106% | 2,377 |
| Assets per employee ($millions) | 5.7091% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 1,549 |
| Loan loss allowance to noncurrent loans | 272.2307% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 1,913 |
| Noncurrent loans to loans | 0.5057% | 1,551 |
| Net loans and leases to total assets | 52.3500% | 3,472 |
| Net loans and leases to deposits | 59.8051% | 3,514 |
| Net loans and leases to core deposits | 75.2591% | 2,915 |
| Total domestic deposits to total assets | 87.5400% | 1,725 |
| Equity capital to assets | 4.5696% | 4,324 |
| Core capital (leverage) ratio | 10.1419% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $231,540,500 | 2,799 |
| Average earning assets | $218,326,500 | 2,764 |
| Average equity | $11,505,500 | 3,574 |
| Average total loans | $124,883,500 | 2,903 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1297% | 1,319 |
| Cost of funding earning assets | 1.3430% | 1,603 |
| Net interest margin | 3.7867% | 1,654 |
| Noninterest income to average assets | 1.3200% | 378 |
| Noninterest expense to average assets | 3.0702% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8203% | 632 |
| Return on assets (ROA) | 1.8009% | 657 |
| Pretax return on assets | 1.8009% | 1,006 |
| Return on Equity (ROE) | 35.2200% | 148 |
| Retained earnings to average equity (ytd only) | 35.2201% | 61 |
| Net charge-offs to loans | -0.0423% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.7794% | 2,614 |
| Assets per employee ($millions) | 5.4770% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 1,420 |
| Loan loss allowance to noncurrent loans | 106.3557% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 708 |
| Noncurrent loans to loans | 1.3438% | 529 |
| Net loans and leases to total assets | 53.4200% | 3,312 |
| Net loans and leases to deposits | 61.6626% | 3,330 |
| Net loans and leases to core deposits | 74.0023% | 2,884 |
| Total domestic deposits to total assets | 86.6300% | 2,043 |
| Equity capital to assets | 5.1824% | 4,346 |
| Core capital (leverage) ratio | 10.0325% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $226,890,333 | 2,827 |
| Average earning assets | $213,695,000 | 2,801 |
| Average equity | $11,601,333 | 3,577 |
| Average total loans | $123,073,333 | 2,915 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 1,405 |
| Cost of funding earning assets | 1.1922% | 1,475 |
| Net interest margin | 3.7124% | 1,874 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.9580% | 1,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2885% | 1,704 |
| Return on assets (ROA) | 1.2490% | 1,770 |
| Pretax return on assets | 1.2490% | 2,302 |
| Return on Equity (ROE) | 24.6000% | 422 |
| Retained earnings to average equity (ytd only) | 24.6029% | 190 |
| Net charge-offs to loans | -0.1258% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.6572% | 1,782 |
| Assets per employee ($millions) | 5.6162% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 1,223 |
| Loan loss allowance to noncurrent loans | 377.9835% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 2,084 |
| Noncurrent loans to loans | 0.3996% | 1,734 |
| Net loans and leases to total assets | 52.0200% | 3,344 |
| Net loans and leases to deposits | 59.9251% | 3,336 |
| Net loans and leases to core deposits | 71.7051% | 2,841 |
| Total domestic deposits to total assets | 86.8000% | 2,339 |
| Equity capital to assets | 4.8913% | 4,436 |
| Core capital (leverage) ratio | 10.0461% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $222,580,500 | 2,892 |
| Average earning assets | $209,030,500 | 2,866 |
| Average equity | $11,299,500 | 3,644 |
| Average total loans | $120,797,500 | 2,968 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 406 |
| Cost of funding earning assets | 0.6308% | 787 |
| Net interest margin | 4.2026% | 535 |
| Noninterest income to average assets | 1.0400% | 600 |
| Noninterest expense to average assets | 3.5437% | 471 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9298% | 2,849 |
| Return on assets (ROA) | 0.8679% | 3,021 |
| Pretax return on assets | 0.8679% | 3,436 |
| Return on Equity (ROE) | 12.8300% | 1,858 |
| Retained earnings to average equity (ytd only) | 8.5429% | 1,623 |
| Net charge-offs to loans | 0.0622% | 1,029 |
| Credit loss provision to net charge-offs | 357.1429% | 829 |
| Earnings coverage of net charge-offs (x) | 31.0714% | 1,663 |
| Efficiency ratio | 77.1341% | 912 |
| Assets per employee ($millions) | 5.2414% | 3,473 |
| Cash dividends to net income (ytd only)* | 33.3890% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 1,210 |
| Loan loss allowance to noncurrent loans | 214.0476% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 1,309 |
| Noncurrent loans to loans | 0.7001% | 1,070 |
| Net loans and leases to total assets | 55.0000% | 3,118 |
| Net loans and leases to deposits | 64.0529% | 3,038 |
| Net loans and leases to core deposits | 73.4567% | 2,610 |
| Total domestic deposits to total assets | 85.8600% | 2,768 |
| Equity capital to assets | 5.2751% | 4,293 |
| Core capital (leverage) ratio | 10.4586% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $207,043,200 | 2,998 |
| Average earning assets | $175,176,000 | 3,103 |
| Average equity | $14,011,600 | 3,466 |
| Average total loans | $112,549,000 | 3,000 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8132% | 277 |
| Cost of funding earning assets | 0.5293% | 643 |
| Net interest margin | 4.2839% | 348 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 3.1083% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4108% | 1,060 |
| Return on assets (ROA) | 1.3874% | 1,093 |
| Pretax return on assets | 1.3874% | 1,753 |
| Return on Equity (ROE) | 19.3800% | 492 |
| Retained earnings to average equity (ytd only) | 13.9320% | 472 |
| Net charge-offs to loans | -0.0422% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.7815% | 1,916 |
| Assets per employee ($millions) | 4.9360% | 3,729 |
| Cash dividends to net income (ytd only)* | 28.1162% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,619 |
| Loan loss allowance to noncurrent loans | 149.7283% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 985 |
| Noncurrent loans to loans | 0.9326% | 835 |
| Net loans and leases to total assets | 57.6800% | 2,735 |
| Net loans and leases to deposits | 67.3040% | 2,603 |
| Net loans and leases to core deposits | 73.2966% | 2,402 |
| Total domestic deposits to total assets | 85.7000% | 3,134 |
| Equity capital to assets | 5.0925% | 4,267 |
| Core capital (leverage) ratio | 11.2033% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $205,080,000 | 3,033 |
| Average earning assets | $168,532,750 | 3,192 |
| Average equity | $14,680,500 | 3,442 |
| Average total loans | $110,690,250 | 3,033 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8697% | 204 |
| Cost of funding earning assets | 0.5390% | 424 |
| Net interest margin | 4.3307% | 260 |
| Noninterest income to average assets | 1.0564% | 596 |
| Noninterest expense to average assets | 3.0925% | 740 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3652% | 987 |
| Return on assets (ROA) | 1.3234% | 1,063 |
| Pretax return on assets | 1.3234% | 1,669 |
| Return on Equity (ROE) | 16.8911% | 582 |
| Retained earnings to average equity (ytd only) | 9.4556% | 1,152 |
| Net charge-offs to loans | -0.0610% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3749% | 2,053 |
| Assets per employee ($millions) | 4.7680% | 3,875 |
| Cash dividends to net income (ytd only)* | 44.0205% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 1,556 |
| Loan loss allowance to noncurrent loans | 247.8979% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 1,667 |
| Noncurrent loans to loans | 0.5850% | 1,446 |
| Net loans and leases to total assets | 56.0281% | 2,753 |
| Net loans and leases to deposits | 65.3802% | 2,597 |
| Net loans and leases to core deposits | 69.9552% | 2,493 |
| Total domestic deposits to total assets | 85.6957% | 3,323 |
| Equity capital to assets | 5.0046% | 4,476 |
| Core capital (leverage) ratio | 10.9071% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,981,333 | 3,059 |
| Average earning assets | $161,774,333 | 3,299 |
| Average equity | $16,138,667 | 3,398 |
| Average total loans | $108,126,000 | 3,092 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 165 |
| Cost of funding earning assets | 0.5503% | 372 |
| Net interest margin | 4.3945% | 200 |
| Noninterest income to average assets | 1.2622% | 443 |
| Noninterest expense to average assets | 2.8921% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7199% | 389 |
| Return on assets (ROA) | 1.7659% | 355 |
| Pretax return on assets | 1.7659% | 592 |
| Return on Equity (ROE) | 19.2113% | 264 |
| Retained earnings to average equity (ytd only) | 6.7094% | 1,992 |
| Net charge-offs to loans | -0.0722% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7076% | 3,179 |
| Assets per employee ($millions) | 5.3013% | 3,483 |
| Cash dividends to net income (ytd only)* | 65.0759% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 1,419 |
| Loan loss allowance to noncurrent loans | 362.9712% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 2,334 |
| Noncurrent loans to loans | 0.4250% | 1,968 |
| Net loans and leases to total assets | 50.5349% | 3,125 |
| Net loans and leases to deposits | 60.7065% | 2,834 |
| Net loans and leases to core deposits | 64.9808% | 2,721 |
| Total domestic deposits to total assets | 83.2447% | 3,914 |
| Equity capital to assets | 7.7412% | 3,773 |
| Core capital (leverage) ratio | 10.7872% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,844,500 | 3,051 |
| Average earning assets | $159,197,500 | 3,335 |
| Average equity | $19,197,000 | 3,219 |
| Average total loans | $105,264,000 | 3,124 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6652% | 448 |
| Cost of funding earning assets | 0.6408% | 446 |
| Net interest margin | 4.0244% | 671 |
| Noninterest income to average assets | 0.7659% | 1,547 |
| Noninterest expense to average assets | 3.3226% | 606 |
| Loan and lease loss provision to assets | 0.2421% | 400 |
| Net operating income to assets | 0.3481% | 4,350 |
| Return on assets (ROA) | 0.2319% | 4,516 |
| Pretax return on assets | 0.2319% | 4,543 |
| Return on Equity (ROE) | 2.1761% | 4,479 |
| Retained earnings to average equity (ytd only) | -4.6384% | 4,700 |
| Net charge-offs to loans | 0.2999% | 290 |
| Credit loss provision to net charge-offs | 162.3377% | 1,443 |
| Earnings coverage of net charge-offs (x) | 3.9578% | 2,515 |
| Efficiency ratio | 84.9171% | 524 |
| Assets per employee ($millions) | 5.0223% | 3,710 |
| Cash dividends to net income (ytd only)* | 313.1524% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 1,388 |
| Loan loss allowance to noncurrent loans | 302.9963% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 2,303 |
| Noncurrent loans to loans | 0.5115% | 1,840 |
| Net loans and leases to total assets | 48.7307% | 3,430 |
| Net loans and leases to deposits | 60.7071% | 3,013 |
| Net loans and leases to core deposits | 65.3812% | 2,874 |
| Total domestic deposits to total assets | 80.2718% | 4,193 |
| Equity capital to assets | 10.6141% | 2,080 |
| Core capital (leverage) ratio | 10.6211% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,552,800 | 3,014 |
| Average earning assets | $161,515,200 | 3,261 |
| Average equity | $22,012,000 | 3,058 |
| Average total loans | $102,718,000 | 3,166 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 489 |
| Cost of funding earning assets | 0.6464% | 504 |
| Net interest margin | 4.0489% | 715 |
| Noninterest income to average assets | 0.7476% | 1,680 |
| Noninterest expense to average assets | 3.0909% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8514% | 3,382 |
| Return on assets (ROA) | 0.8547% | 3,439 |
| Pretax return on assets | 0.8547% | 3,784 |
| Return on Equity (ROE) | 8.0116% | 3,403 |
| Retained earnings to average equity (ytd only) | 3.7533% | 3,659 |
| Net charge-offs to loans | 0.0365% | 1,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 46.8571% | 1,273 |
| Efficiency ratio | 78.4033% | 845 |
| Assets per employee ($millions) | 5.4163% | 3,295 |
| Cash dividends to net income (ytd only)* | 53.1511% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 2,231 |
| Loan loss allowance to noncurrent loans | 103.7120% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 1,190 |
| Noncurrent loans to loans | 1.3008% | 828 |
| Net loans and leases to total assets | 48.3611% | 3,593 |
| Net loans and leases to deposits | 60.1229% | 3,216 |
| Net loans and leases to core deposits | 64.6872% | 3,070 |
| Total domestic deposits to total assets | 80.4370% | 4,173 |
| Equity capital to assets | 10.5924% | 2,373 |
| Core capital (leverage) ratio | 10.7569% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,456,750 | 3,060 |
| Average earning assets | $162,112,250 | 3,284 |
| Average equity | $21,917,750 | 3,099 |
| Average total loans | $102,295,250 | 3,213 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6775% | 549 |
| Cost of funding earning assets | 0.6526% | 563 |
| Net interest margin | 4.0249% | 787 |
| Noninterest income to average assets | 1.4671% | 563 |
| Noninterest expense to average assets | 3.0050% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6803% | 903 |
| Return on assets (ROA) | 1.8238% | 708 |
| Pretax return on assets | 1.8238% | 1,179 |
| Return on Equity (ROE) | 17.0546% | 771 |
| Retained earnings to average equity (ytd only) | 10.6224% | 1,211 |
| Net charge-offs to loans | 0.0039% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 855.0000% | 158 |
| Efficiency ratio | 64.1359% | 2,412 |
| Assets per employee ($millions) | 4.9201% | 3,726 |
| Cash dividends to net income (ytd only)* | 37.7155% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 1,896 |
| Loan loss allowance to noncurrent loans | 33.8403% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 2.0363% | 208 |
| Noncurrent loans to loans | 4.1896% | 124 |
| Net loans and leases to total assets | 47.9153% | 3,733 |
| Net loans and leases to deposits | 59.8470% | 3,403 |
| Net loans and leases to core deposits | 64.4109% | 3,255 |
| Total domestic deposits to total assets | 80.0630% | 4,229 |
| Equity capital to assets | 10.7575% | 2,177 |
| Core capital (leverage) ratio | 10.7475% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,530,333 | 3,070 |
| Average earning assets | $162,735,667 | 3,287 |
| Average equity | $21,765,333 | 3,109 |
| Average total loans | $101,876,000 | 3,228 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7367% | 540 |
| Cost of funding earning assets | 0.6702% | 619 |
| Net interest margin | 4.0664% | 764 |
| Noninterest income to average assets | 2.1963% | 320 |
| Noninterest expense to average assets | 2.9648% | 1,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4399% | 289 |
| Return on assets (ROA) | 2.7330% | 216 |
| Pretax return on assets | 2.7330% | 327 |
| Return on Equity (ROE) | 25.6351% | 236 |
| Retained earnings to average equity (ytd only) | 12.6318% | 990 |
| Net charge-offs to loans | 0.0078% | 1,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 616.0000% | 162 |
| Efficiency ratio | 54.8553% | 3,694 |
| Assets per employee ($millions) | 4.6441% | 3,987 |
| Cash dividends to net income (ytd only)* | 50.7246% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,858 |
| Loan loss allowance to noncurrent loans | 39.0137% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.7862% | 311 |
| Noncurrent loans to loans | 3.6530% | 167 |
| Net loans and leases to total assets | 48.2015% | 3,796 |
| Net loans and leases to deposits | 60.0499% | 3,477 |
| Net loans and leases to core deposits | 64.4740% | 3,370 |
| Total domestic deposits to total assets | 80.2692% | 4,169 |
| Equity capital to assets | 10.3891% | 2,363 |
| Core capital (leverage) ratio | 10.8402% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,972,500 | 3,076 |
| Average earning assets | $159,353,000 | 3,312 |
| Average equity | $21,533,000 | 3,115 |
| Average total loans | $102,594,500 | 3,224 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 601 |
| Cost of funding earning assets | 0.8463% | 1,030 |
| Net interest margin | 4.0516% | 872 |
| Noninterest income to average assets | 1.2369% | 734 |
| Noninterest expense to average assets | 3.5934% | 608 |
| Loan and lease loss provision to assets | 0.1331% | 2,695 |
| Net operating income to assets | 0.9131% | 2,637 |
| Return on assets (ROA) | 0.9717% | 2,538 |
| Pretax return on assets | 0.9717% | 3,139 |
| Return on Equity (ROE) | 8.8059% | 2,467 |
| Retained earnings to average equity (ytd only) | 5.1291% | 2,223 |
| Net charge-offs to loans | 0.1771% | 945 |
| Credit loss provision to net charge-offs | 139.6648% | 2,486 |
| Earnings coverage of net charge-offs (x) | 10.9777% | 2,424 |
| Efficiency ratio | 77.4501% | 1,087 |
| Assets per employee ($millions) | 4.6420% | 3,772 |
| Cash dividends to net income (ytd only)* | 41.7534% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 2,172 |
| Loan loss allowance to noncurrent loans | 42.4658% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.6823% | 396 |
| Noncurrent loans to loans | 3.1899% | 254 |
| Net loans and leases to total assets | 52.0247% | 3,657 |
| Net loans and leases to deposits | 65.4610% | 3,324 |
| Net loans and leases to core deposits | 70.1601% | 3,242 |
| Total domestic deposits to total assets | 79.4745% | 4,143 |
| Equity capital to assets | 10.9401% | 2,310 |
| Core capital (leverage) ratio | 10.7493% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,815,600 | 3,041 |
| Average earning assets | $157,742,000 | 3,187 |
| Average equity | $20,724,800 | 3,120 |
| Average total loans | $101,096,800 | 3,214 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9168% | 708 |
| Cost of funding earning assets | 0.8772% | 1,148 |
| Net interest margin | 4.0396% | 1,035 |
| Noninterest income to average assets | 1.2290% | 723 |
| Noninterest expense to average assets | 3.1265% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5499% | 812 |
| Return on assets (ROA) | 1.6790% | 672 |
| Pretax return on assets | 1.6790% | 1,009 |
| Return on Equity (ROE) | 15.1805% | 667 |
| Retained earnings to average equity (ytd only) | 10.2116% | 717 |
| Net charge-offs to loans | 0.1599% | 924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 17.9083% | 1,983 |
| Efficiency ratio | 66.8569% | 2,338 |
| Assets per employee ($millions) | 4.4180% | 3,936 |
| Cash dividends to net income (ytd only)* | 32.7320% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,456 |
| Loan loss allowance to noncurrent loans | 40.2610% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.5767% | 522 |
| Noncurrent loans to loans | 3.0754% | 297 |
| Net loans and leases to total assets | 50.6340% | 4,063 |
| Net loans and leases to deposits | 64.8511% | 3,718 |
| Net loans and leases to core deposits | 69.4698% | 3,664 |
| Total domestic deposits to total assets | 78.0774% | 4,189 |
| Equity capital to assets | 11.4058% | 2,077 |
| Core capital (leverage) ratio | 10.8699% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,868,250 | 3,052 |
| Average earning assets | $157,768,500 | 3,173 |
| Average equity | $20,446,750 | 3,141 |
| Average total loans | $100,053,500 | 3,238 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 950 |
| Cost of funding earning assets | 0.8786% | 1,465 |
| Net interest margin | 4.0349% | 1,251 |
| Noninterest income to average assets | 1.4695% | 487 |
| Noninterest expense to average assets | 3.1228% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8548% | 449 |
| Return on assets (ROA) | 1.9803% | 383 |
| Pretax return on assets | 1.9803% | 571 |
| Return on Equity (ROE) | 18.1062% | 354 |
| Retained earnings to average equity (ytd only) | 10.4370% | 703 |
| Net charge-offs to loans | 0.0958% | 1,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 35.1042% | 1,330 |
| Efficiency ratio | 62.7377% | 3,001 |
| Assets per employee ($millions) | 4.7199% | 3,511 |
| Cash dividends to net income (ytd only)* | 42.3569% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,056 |
| Loan loss allowance to noncurrent loans | 38.5706% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.6684% | 509 |
| Noncurrent loans to loans | 3.3424% | 254 |
| Net loans and leases to total assets | 49.2713% | 4,191 |
| Net loans and leases to deposits | 64.2368% | 3,862 |
| Net loans and leases to core deposits | 69.0675% | 3,778 |
| Total domestic deposits to total assets | 76.7026% | 4,357 |
| Equity capital to assets | 10.7330% | 2,543 |
| Core capital (leverage) ratio | 10.7817% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,693,333 | 3,060 |
| Average earning assets | $157,971,333 | 3,152 |
| Average equity | $19,871,667 | 3,184 |
| Average total loans | $100,183,667 | 3,227 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9627% | 1,041 |
| Cost of funding earning assets | 0.8566% | 2,084 |
| Net interest margin | 4.1061% | 1,123 |
| Noninterest income to average assets | 2.4178% | 206 |
| Noninterest expense to average assets | 3.4186% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.7990% | 80 |
| Return on assets (ROA) | 2.9837% | 65 |
| Pretax return on assets | 2.9837% | 90 |
| Return on Equity (ROE) | 26.9824% | 49 |
| Retained earnings to average equity (ytd only) | 10.8691% | 585 |
| Net charge-offs to loans | 0.1205% | 987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 39.9000% | 1,028 |
| Efficiency ratio | 54.9831% | 4,311 |
| Assets per employee ($millions) | 3.9811% | 3,939 |
| Cash dividends to net income (ytd only)* | 59.7179% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 2,012 |
| Loan loss allowance to noncurrent loans | 34.9420% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.1648% | 352 |
| Noncurrent loans to loans | 3.7972% | 225 |
| Net loans and leases to total assets | 56.2531% | 3,822 |
| Net loans and leases to deposits | 72.5307% | 3,399 |
| Net loans and leases to core deposits | 77.7426% | 3,369 |
| Total domestic deposits to total assets | 77.5577% | 4,290 |
| Equity capital to assets | 10.0691% | 3,716 |
| Core capital (leverage) ratio | 11.8180% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,063,000 | 3,125 |
| Average earning assets | $158,301,500 | 3,124 |
| Average equity | $18,916,000 | 3,285 |
| Average total loans | $99,623,500 | 3,230 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1687% | 1,067 |
| Cost of funding earning assets | 0.9293% | 2,062 |
| Net interest margin | 4.2394% | 1,232 |
| Noninterest income to average assets | 1.7113% | 334 |
| Noninterest expense to average assets | 4.0476% | 503 |
| Loan and lease loss provision to assets | 0.3886% | 374 |
| Net operating income to assets | 1.2102% | 2,022 |
| Return on assets (ROA) | 0.9173% | 3,215 |
| Pretax return on assets | 0.9173% | 3,686 |
| Return on Equity (ROE) | 7.9726% | 3,172 |
| Retained earnings to average equity (ytd only) | 4.0726% | 2,931 |
| Net charge-offs to loans | 0.5014% | 372 |
| Credit loss provision to net charge-offs | 134.0249% | 1,908 |
| Earnings coverage of net charge-offs (x) | 5.5145% | 3,076 |
| Efficiency ratio | 71.6842% | 1,911 |
| Assets per employee ($millions) | 3.7945% | 4,152 |
| Cash dividends to net income (ytd only)* | 48.9180% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 1,652 |
| Loan loss allowance to noncurrent loans | 32.4784% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.4988% | 260 |
| Noncurrent loans to loans | 4.1979% | 151 |
| Net loans and leases to total assets | 58.7151% | 3,698 |
| Net loans and leases to deposits | 73.0796% | 3,430 |
| Net loans and leases to core deposits | 79.0480% | 3,375 |
| Total domestic deposits to total assets | 80.3440% | 3,905 |
| Equity capital to assets | 12.0953% | 2,079 |
| Core capital (leverage) ratio | 11.8010% | 1,894 |
| Tier 1 risk-based capital ratio | 17.8528% | 1,798 |
| Total risk-based capital ratio | 19.0639% | 1,759 |
| Memoranda: | ||
| Average total assets | $166,247,200 | 3,141 |
| Average earning assets | $154,314,000 | 3,143 |
| Average equity | $19,128,000 | 3,210 |
| Average total loans | $96,128,200 | 3,277 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2087% | 1,029 |
| Cost of funding earning assets | 0.9398% | 2,042 |
| Net interest margin | 4.2689% | 1,227 |
| Noninterest income to average assets | 1.7767% | 316 |
| Noninterest expense to average assets | 3.6634% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0665% | 348 |
| Return on assets (ROA) | 1.7566% | 706 |
| Pretax return on assets | 1.7566% | 1,188 |
| Return on Equity (ROE) | 15.4667% | 688 |
| Retained earnings to average equity (ytd only) | 10.1934% | 709 |
| Net charge-offs to loans | 0.0601% | 1,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 59.8624% | 1,056 |
| Efficiency ratio | 63.9344% | 3,014 |
| Assets per employee ($millions) | 3.8309% | 4,127 |
| Cash dividends to net income (ytd only)* | 34.0950% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,568 |
| Loan loss allowance to noncurrent loans | 33.0455% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 2.0610% | 412 |
| Noncurrent loans to loans | 3.5950% | 212 |
| Net loans and leases to total assets | 56.6478% | 4,001 |
| Net loans and leases to deposits | 70.6893% | 3,715 |
| Net loans and leases to core deposits | 76.6578% | 3,651 |
| Total domestic deposits to total assets | 80.1363% | 3,967 |
| Equity capital to assets | 12.3636% | 2,000 |
| Core capital (leverage) ratio | 12.4913% | 1,573 |
| Tier 1 risk-based capital ratio | 18.8790% | 1,590 |
| Total risk-based capital ratio | 19.9292% | 1,612 |
| Memoranda: | ||
| Average total assets | $166,069,750 | 3,175 |
| Average earning assets | $153,791,000 | 3,179 |
| Average equity | $18,861,500 | 3,265 |
| Average total loans | $95,314,250 | 3,332 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2127% | 961 |
| Cost of funding earning assets | 0.9503% | 1,911 |
| Net interest margin | 4.2624% | 1,213 |
| Noninterest income to average assets | 2.2041% | 228 |
| Noninterest expense to average assets | 3.5911% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.5490% | 144 |
| Return on assets (ROA) | 2.0782% | 357 |
| Pretax return on assets | 2.0782% | 583 |
| Return on Equity (ROE) | 18.8661% | 323 |
| Retained earnings to average equity (ytd only) | 10.6692% | 609 |
| Net charge-offs to loans | 0.0632% | 1,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 70.2000% | 893 |
| Efficiency ratio | 58.4861% | 3,938 |
| Assets per employee ($millions) | 3.9648% | 3,918 |
| Cash dividends to net income (ytd only)* | 43.4479% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,436 |
| Loan loss allowance to noncurrent loans | 29.7616% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 2.3427% | 334 |
| Noncurrent loans to loans | 4.0878% | 176 |
| Net loans and leases to total assets | 56.6118% | 4,037 |
| Net loans and leases to deposits | 71.7422% | 3,708 |
| Net loans and leases to core deposits | 77.3491% | 3,624 |
| Total domestic deposits to total assets | 78.9100% | 4,239 |
| Equity capital to assets | 11.9775% | 2,199 |
| Core capital (leverage) ratio | 12.0273% | 1,811 |
| Tier 1 risk-based capital ratio | 18.7927% | 1,603 |
| Total risk-based capital ratio | 19.8746% | 1,599 |
| Memoranda: | ||
| Average total assets | $165,240,000 | 3,195 |
| Average earning assets | $152,589,330 | 3,203 |
| Average equity | $18,202,000 | 3,329 |
| Average total loans | $94,874,670 | 3,355 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2222% | 871 |
| Cost of funding earning assets | 0.9533% | 1,781 |
| Net interest margin | 4.2688% | 1,154 |
| Noninterest income to average assets | 0.8797% | 1,083 |
| Noninterest expense to average assets | 3.6914% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1057% | 2,445 |
| Return on assets (ROA) | 0.5662% | 4,375 |
| Pretax return on assets | 0.5662% | 4,574 |
| Return on Equity (ROE) | 5.3778% | 4,226 |
| Retained earnings to average equity (ytd only) | -11.8404% | 5,155 |
| Net charge-offs to loans | 0.0507% | 1,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 37.9167% | 1,187 |
| Efficiency ratio | 76.9504% | 1,382 |
| Assets per employee ($millions) | 3.8033% | 4,187 |
| Cash dividends to net income (ytd only)* | 320.1717% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,344 |
| Loan loss allowance to noncurrent loans | 34.6165% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.0335% | 472 |
| Noncurrent loans to loans | 3.6001% | 247 |
| Net loans and leases to total assets | 55.7824% | 4,080 |
| Net loans and leases to deposits | 69.4316% | 3,808 |
| Net loans and leases to core deposits | 77.0726% | 3,590 |
| Total domestic deposits to total assets | 80.3416% | 4,109 |
| Equity capital to assets | 10.6368% | 3,216 |
| Core capital (leverage) ratio | 11.3373% | 2,257 |
| Tier 1 risk-based capital ratio | 17.7622% | 1,867 |
| Total risk-based capital ratio | 18.8821% | 1,860 |
| Memoranda: | ||
| Average total assets | $164,600,000 | 3,240 |
| Average earning assets | $151,048,500 | 3,255 |
| Average equity | $17,330,500 | 3,447 |
| Average total loans | $94,596,500 | 3,399 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 992 |
| Cost of funding earning assets | 0.6597% | 2,326 |
| Net interest margin | 4.3668% | 1,006 |
| Noninterest income to average assets | 1.6840% | 340 |
| Noninterest expense to average assets | 3.8431% | 649 |
| Loan and lease loss provision to assets | 0.4857% | 244 |
| Net operating income to assets | 1.4252% | 1,346 |
| Return on assets (ROA) | 0.9376% | 3,285 |
| Pretax return on assets | 0.9376% | 3,792 |
| Return on Equity (ROE) | 9.0608% | 2,965 |
| Retained earnings to average equity (ytd only) | 9.0608% | 840 |
| Net charge-offs to loans | 0.6469% | 261 |
| Credit loss provision to net charge-offs | 130.6914% | 2,022 |
| Earnings coverage of net charge-offs (x) | 5.1417% | 3,218 |
| Efficiency ratio | 66.7901% | 2,741 |
| Assets per employee ($millions) | 3.5186% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 2,261 |
| Loan loss allowance to noncurrent loans | 33.3894% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 2.2038% | 395 |
| Noncurrent loans to loans | 3.7679% | 212 |
| Net loans and leases to total assets | 57.7522% | 3,995 |
| Net loans and leases to deposits | 72.4536% | 3,629 |
| Net loans and leases to core deposits | 81.4081% | 3,315 |
| Total domestic deposits to total assets | 79.7092% | 4,170 |
| Equity capital to assets | 10.4172% | 3,268 |
| Core capital (leverage) ratio | 11.7073% | 1,945 |
| Tier 1 risk-based capital ratio | 18.2911% | 1,668 |
| Total risk-based capital ratio | 19.4260% | 1,656 |
| Memoranda: | ||
| Average total assets | $159,558,200 | 3,285 |
| Average earning assets | $148,714,000 | 3,260 |
| Average equity | $16,510,600 | 3,459 |
| Average total loans | $91,670,800 | 3,445 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9371% | 1,077 |
| Cost of funding earning assets | 0.6097% | 2,408 |
| Net interest margin | 4.3274% | 1,054 |
| Noninterest income to average assets | 1.9171% | 293 |
| Noninterest expense to average assets | 3.5433% | 928 |
| Loan and lease loss provision to assets | 0.1468% | 1,354 |
| Net operating income to assets | 2.2568% | 249 |
| Return on assets (ROA) | 1.9557% | 423 |
| Pretax return on assets | 1.9557% | 712 |
| Return on Equity (ROE) | 18.9324% | 343 |
| Retained earnings to average equity (ytd only) | 18.9324% | 73 |
| Net charge-offs to loans | -0.0176% | 4,591 |
| Credit loss provision to net charge-offs | -1,458.3333% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5826% | 3,869 |
| Assets per employee ($millions) | 3.6403% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,288 |
| Loan loss allowance to noncurrent loans | 28.1081% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.6846% | 304 |
| Noncurrent loans to loans | 4.4968% | 165 |
| Net loans and leases to total assets | 58.3282% | 4,000 |
| Net loans and leases to deposits | 73.5568% | 3,636 |
| Net loans and leases to core deposits | 82.3180% | 3,301 |
| Total domestic deposits to total assets | 79.2968% | 4,256 |
| Equity capital to assets | 10.5798% | 3,065 |
| Core capital (leverage) ratio | 12.5002% | 1,500 |
| Tier 1 risk-based capital ratio | 18.8903% | 1,561 |
| Total risk-based capital ratio | 20.0181% | 1,562 |
| Memoranda: | ||
| Average total assets | $158,983,500 | 3,319 |
| Average earning assets | $148,046,250 | 3,299 |
| Average equity | $16,423,000 | 3,492 |
| Average total loans | $90,921,750 | 3,486 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8095% | 1,222 |
| Cost of funding earning assets | 0.5920% | 2,281 |
| Net interest margin | 4.2175% | 1,243 |
| Noninterest income to average assets | 2.1187% | 258 |
| Noninterest expense to average assets | 3.5350% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.5097% | 151 |
| Return on assets (ROA) | 2.0569% | 331 |
| Pretax return on assets | 2.0569% | 535 |
| Return on Equity (ROE) | 20.0755% | 261 |
| Retained earnings to average equity (ytd only) | 20.0755% | 66 |
| Net charge-offs to loans | -0.0357% | 4,801 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4811% | 4,158 |
| Assets per employee ($millions) | 3.5633% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,078 |
| Loan loss allowance to noncurrent loans | 53.3299% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.2355% | 1,159 |
| Noncurrent loans to loans | 2.1234% | 671 |
| Net loans and leases to total assets | 57.0785% | 4,076 |
| Net loans and leases to deposits | 71.7188% | 3,735 |
| Net loans and leases to core deposits | 78.5986% | 3,528 |
| Total domestic deposits to total assets | 79.5866% | 4,337 |
| Equity capital to assets | 10.9342% | 2,697 |
| Core capital (leverage) ratio | 11.9966% | 1,717 |
| Tier 1 risk-based capital ratio | 19.2646% | 1,483 |
| Total risk-based capital ratio | 20.2860% | 1,509 |
| Memoranda: | ||
| Average total assets | $158,587,000 | 3,337 |
| Average earning assets | $147,623,670 | 3,324 |
| Average equity | $16,248,670 | 3,527 |
| Average total loans | $89,688,330 | 3,526 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 3,706 |
| Cost of funding earning assets | 0.5749% | 2,211 |
| Net interest margin | 3.4008% | 3,882 |
| Noninterest income to average assets | 0.9154% | 1,116 |
| Noninterest expense to average assets | 3.4736% | 1,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6019% | 4,421 |
| Return on assets (ROA) | -0.2985% | 5,466 |
| Pretax return on assets | -0.2985% | 5,468 |
| Return on Equity (ROE) | -3.0124% | 5,467 |
| Retained earnings to average equity (ytd only) | -3.0124% | 5,083 |
| Net charge-offs to loans | -0.0314% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2308% | 692 |
| Assets per employee ($millions) | 3.5255% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 3,164 |
| Loan loss allowance to noncurrent loans | 95.7587% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 2,298 |
| Noncurrent loans to loans | 1.1871% | 1,542 |
| Net loans and leases to total assets | 55.6991% | 4,144 |
| Net loans and leases to deposits | 69.9018% | 3,792 |
| Net loans and leases to core deposits | 75.7516% | 3,692 |
| Total domestic deposits to total assets | 79.6819% | 4,462 |
| Equity capital to assets | 9.6768% | 3,911 |
| Core capital (leverage) ratio | 11.0681% | 2,362 |
| Tier 1 risk-based capital ratio | 17.9057% | 1,864 |
| Total risk-based capital ratio | 18.9404% | 1,873 |
| Memoranda: | ||
| Average total assets | $159,488,500 | 3,367 |
| Average earning assets | $148,202,500 | 3,359 |
| Average equity | $15,801,500 | 3,613 |
| Average total loans | $89,275,000 | 3,562 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 1,080 |
| Cost of funding earning assets | 0.5394% | 2,039 |
| Net interest margin | 4.2080% | 1,177 |
| Noninterest income to average assets | 1.1288% | 798 |
| Noninterest expense to average assets | 4.0930% | 474 |
| Loan and lease loss provision to assets | 0.0640% | 2,944 |
| Net operating income to assets | 0.8816% | 2,808 |
| Return on assets (ROA) | 0.8415% | 3,019 |
| Pretax return on assets | 0.8549% | 4,073 |
| Return on Equity (ROE) | 8.4439% | 2,587 |
| Retained earnings to average equity (ytd only) | 5.2333% | 1,979 |
| Net charge-offs to loans | 0.0863% | 2,229 |
| Credit loss provision to net charge-offs | 135.1351% | 1,960 |
| Earnings coverage of net charge-offs (x) | 20.2703% | 1,976 |
| Efficiency ratio | 81.0030% | 1,016 |
| Assets per employee ($millions) | 3.4854% | 4,718 |
| Cash dividends to net income (ytd only)* | 38.0228% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,180 |
| Loan loss allowance to noncurrent loans | 195.5426% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 3,546 |
| Noncurrent loans to loans | 0.5787% | 2,771 |
| Net loans and leases to total assets | 54.9866% | 4,271 |
| Net loans and leases to deposits | 69.2951% | 3,926 |
| Net loans and leases to core deposits | 76.2491% | 3,722 |
| Total domestic deposits to total assets | 79.3513% | 4,471 |
| Equity capital to assets | 10.1360% | 3,549 |
| Core capital (leverage) ratio | 10.9978% | 2,341 |
| Tier 1 risk-based capital ratio | 18.2085% | 1,739 |
| Total risk-based capital ratio | 19.2464% | 1,755 |
| Memoranda: | ||
| Average total assets | $156,268,600 | 3,397 |
| Average earning assets | $145,722,200 | 3,374 |
| Average equity | $15,573,400 | 3,649 |
| Average total loans | $85,700,600 | 3,619 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7317% | 1,068 |
| Cost of funding earning assets | 0.5298% | 2,036 |
| Net interest margin | 4.2019% | 1,150 |
| Noninterest income to average assets | 0.9215% | 1,212 |
| Noninterest expense to average assets | 3.8543% | 629 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9652% | 2,707 |
| Return on assets (ROA) | 0.9593% | 2,783 |
| Pretax return on assets | 0.9773% | 3,776 |
| Return on Equity (ROE) | 9.6683% | 2,272 |
| Retained earnings to average equity (ytd only) | 5.3405% | 2,654 |
| Net charge-offs to loans | 0.1226% | 1,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 14.6791% | 2,277 |
| Efficiency ratio | 79.6734% | 1,146 |
| Assets per employee ($millions) | 3.4995% | 4,739 |
| Cash dividends to net income (ytd only)* | 44.7626% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,899 |
| Loan loss allowance to noncurrent loans | 2,154.7619% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 5,114 |
| Noncurrent loans to loans | 0.0479% | 4,897 |
| Net loans and leases to total assets | 55.1499% | 4,309 |
| Net loans and leases to deposits | 69.8649% | 3,975 |
| Net loans and leases to core deposits | 75.1185% | 3,881 |
| Total domestic deposits to total assets | 78.9380% | 4,539 |
| Equity capital to assets | 10.3691% | 3,515 |
| Core capital (leverage) ratio | 11.1035% | 2,366 |
| Tier 1 risk-based capital ratio | 18.6394% | 1,695 |
| Total risk-based capital ratio | 19.6032% | 1,725 |
| Memoranda: | ||
| Average total assets | $155,253,250 | 3,442 |
| Average earning assets | $144,693,750 | 3,415 |
| Average equity | $15,404,000 | 3,702 |
| Average total loans | $84,833,500 | 3,666 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 1,150 |
| Cost of funding earning assets | 0.5270% | 1,942 |
| Net interest margin | 4.1269% | 1,254 |
| Noninterest income to average assets | 0.9061% | 1,257 |
| Noninterest expense to average assets | 3.8107% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9095% | 2,866 |
| Return on assets (ROA) | 0.8957% | 2,990 |
| Pretax return on assets | 0.9229% | 3,856 |
| Return on Equity (ROE) | 9.1682% | 2,425 |
| Retained earnings to average equity (ytd only) | 2.5438% | 4,165 |
| Net charge-offs to loans | 0.1383% | 1,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.4828% | 2,190 |
| Efficiency ratio | 80.2617% | 1,183 |
| Assets per employee ($millions) | 3.4313% | 4,821 |
| Cash dividends to net income (ytd only)* | 72.2543% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,713 |
| Loan loss allowance to noncurrent loans | 223.7288% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 4,080 |
| Noncurrent loans to loans | 0.4807% | 3,308 |
| Net loans and leases to total assets | 53.8457% | 4,402 |
| Net loans and leases to deposits | 68.0143% | 4,071 |
| Net loans and leases to core deposits | 74.5396% | 3,898 |
| Total domestic deposits to total assets | 79.1681% | 4,588 |
| Equity capital to assets | 10.1768% | 3,699 |
| Core capital (leverage) ratio | 10.8957% | 2,512 |
| Tier 1 risk-based capital ratio | 18.1463% | 1,810 |
| Total risk-based capital ratio | 19.1281% | 1,847 |
| Memoranda: | ||
| Average total assets | $154,511,670 | 3,463 |
| Average earning assets | $143,836,670 | 3,444 |
| Average equity | $15,095,670 | 3,749 |
| Average total loans | $83,860,000 | 3,696 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 1,034 |
| Cost of funding earning assets | 0.5273% | 1,879 |
| Net interest margin | 4.1199% | 1,171 |
| Noninterest income to average assets | 0.9029% | 1,230 |
| Noninterest expense to average assets | 3.7187% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0075% | 2,273 |
| Return on assets (ROA) | 1.0075% | 2,323 |
| Pretax return on assets | 1.0075% | 3,336 |
| Return on Equity (ROE) | 10.5393% | 1,720 |
| Retained earnings to average equity (ytd only) | 10.5393% | 690 |
| Net charge-offs to loans | 0.2801% | 647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.6379% | 2,198 |
| Efficiency ratio | 78.6822% | 1,535 |
| Assets per employee ($millions) | 3.3636% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,623 |
| Loan loss allowance to noncurrent loans | 210.7062% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 3,879 |
| Noncurrent loans to loans | 0.5291% | 3,226 |
| Net loans and leases to total assets | 53.0244% | 4,423 |
| Net loans and leases to deposits | 67.2340% | 4,065 |
| Net loans and leases to core deposits | 73.6862% | 3,861 |
| Total domestic deposits to total assets | 78.8654% | 4,848 |
| Equity capital to assets | 9.6990% | 4,064 |
| Core capital (leverage) ratio | 11.2771% | 2,124 |
| Tier 1 risk-based capital ratio | 18.9145% | 1,633 |
| Total risk-based capital ratio | 19.9275% | 1,647 |
| Memoranda: | ||
| Average total assets | $152,847,500 | 3,517 |
| Average earning assets | $141,846,500 | 3,497 |
| Average equity | $14,612,000 | 3,832 |
| Average total loans | $82,833,000 | 3,747 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 1,359 |
| Cost of funding earning assets | 0.4768% | 2,287 |
| Net interest margin | 4.0932% | 1,391 |
| Noninterest income to average assets | 1.1616% | 843 |
| Noninterest expense to average assets | 3.9553% | 642 |
| Loan and lease loss provision to assets | 0.1320% | 1,887 |
| Net operating income to assets | 0.8673% | 2,991 |
| Return on assets (ROA) | 0.8705% | 3,086 |
| Pretax return on assets | 0.8850% | 3,895 |
| Return on Equity (ROE) | 8.2932% | 2,787 |
| Retained earnings to average equity (ytd only) | 4.1497% | 2,951 |
| Net charge-offs to loans | 0.3119% | 881 |
| Credit loss provision to net charge-offs | 76.6284% | 3,033 |
| Earnings coverage of net charge-offs (x) | 5.8851% | 3,265 |
| Efficiency ratio | 79.5989% | 1,468 |
| Assets per employee ($millions) | 3.2819% | 5,066 |
| Cash dividends to net income (ytd only)* | 49.9621% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 3,194 |
| Loan loss allowance to noncurrent loans | 158.8997% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 3,436 |
| Noncurrent loans to loans | 0.7473% | 2,662 |
| Net loans and leases to total assets | 54.1280% | 4,438 |
| Net loans and leases to deposits | 69.7093% | 3,937 |
| Net loans and leases to core deposits | 76.7582% | 3,684 |
| Total domestic deposits to total assets | 77.6482% | 5,023 |
| Equity capital to assets | 9.4172% | 4,354 |
| Core capital (leverage) ratio | 11.0634% | 2,293 |
| Tier 1 risk-based capital ratio | 18.8715% | 1,630 |
| Total risk-based capital ratio | 19.9689% | 1,642 |
| Memoranda: | ||
| Average total assets | $151,517,400 | 3,498 |
| Average earning assets | $140,940,200 | 3,485 |
| Average equity | $15,904,600 | 3,702 |
| Average total loans | $83,676,400 | 3,718 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 1,426 |
| Cost of funding earning assets | 0.4590% | 2,470 |
| Net interest margin | 4.0808% | 1,436 |
| Noninterest income to average assets | 1.1464% | 874 |
| Noninterest expense to average assets | 3.6951% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2310% | 1,513 |
| Return on assets (ROA) | 1.2387% | 1,595 |
| Pretax return on assets | 1.2581% | 2,586 |
| Return on Equity (ROE) | 11.5066% | 1,485 |
| Retained earnings to average equity (ytd only) | 6.1249% | 2,115 |
| Net charge-offs to loans | 0.3861% | 568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.8519% | 3,072 |
| Efficiency ratio | 74.7200% | 2,154 |
| Assets per employee ($millions) | 3.3712% | 4,955 |
| Cash dividends to net income (ytd only)* | 46.7705% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 4,689 |
| Loan loss allowance to noncurrent loans | 129.4023% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 3,586 |
| Noncurrent loans to loans | 0.7295% | 2,851 |
| Net loans and leases to total assets | 54.2009% | 4,483 |
| Net loans and leases to deposits | 71.1910% | 3,865 |
| Net loans and leases to core deposits | 77.9969% | 3,665 |
| Total domestic deposits to total assets | 76.1345% | 5,222 |
| Equity capital to assets | 11.0309% | 2,975 |
| Core capital (leverage) ratio | 11.3604% | 2,145 |
| Tier 1 risk-based capital ratio | 18.5663% | 1,774 |
| Total risk-based capital ratio | 19.4424% | 1,834 |
| Memoranda: | ||
| Average total assets | $151,654,750 | 3,507 |
| Average earning assets | $141,177,250 | 3,500 |
| Average equity | $16,326,500 | 3,684 |
| Average total loans | $83,921,000 | 3,732 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 1,399 |
| Cost of funding earning assets | 0.4543% | 2,530 |
| Net interest margin | 4.0891% | 1,394 |
| Noninterest income to average assets | 1.2637% | 714 |
| Noninterest expense to average assets | 3.6608% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3888% | 1,077 |
| Return on assets (ROA) | 1.3992% | 1,118 |
| Pretax return on assets | 1.4284% | 1,915 |
| Return on Equity (ROE) | 13.1079% | 1,006 |
| Retained earnings to average equity (ytd only) | 4.9046% | 2,793 |
| Net charge-offs to loans | 0.4521% | 500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.6455% | 2,833 |
| Efficiency ratio | 72.0827% | 2,638 |
| Assets per employee ($millions) | 3.5168% | 4,727 |
| Cash dividends to net income (ytd only)* | 62.5831% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 4,451 |
| Loan loss allowance to noncurrent loans | 234.5205% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 4,289 |
| Noncurrent loans to loans | 0.4311% | 3,816 |
| Net loans and leases to total assets | 55.4271% | 4,365 |
| Net loans and leases to deposits | 70.1030% | 3,971 |
| Net loans and leases to core deposits | 75.0553% | 3,903 |
| Total domestic deposits to total assets | 79.0652% | 4,771 |
| Equity capital to assets | 11.0189% | 3,040 |
| Core capital (leverage) ratio | 11.0662% | 2,368 |
| Tier 1 risk-based capital ratio | 18.8536% | 1,727 |
| Total risk-based capital ratio | 19.8246% | 1,746 |
| Memoranda: | ||
| Average total assets | $150,515,330 | 3,555 |
| Average earning assets | $140,422,330 | 3,535 |
| Average equity | $16,066,670 | 3,721 |
| Average total loans | $83,610,670 | 3,759 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 1,500 |
| Cost of funding earning assets | 0.4475% | 2,613 |
| Net interest margin | 4.0533% | 1,466 |
| Noninterest income to average assets | 1.6276% | 447 |
| Noninterest expense to average assets | 3.6014% | 1,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7557% | 509 |
| Return on assets (ROA) | 1.7634% | 533 |
| Pretax return on assets | 1.8220% | 817 |
| Return on Equity (ROE) | 16.7930% | 458 |
| Retained earnings to average equity (ytd only) | 0.0761% | 5,088 |
| Net charge-offs to loans | 0.3515% | 635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.3288% | 1,993 |
| Efficiency ratio | 66.5027% | 3,716 |
| Assets per employee ($millions) | 3.4219% | 4,926 |
| Cash dividends to net income (ytd only)* | 99.5468% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 3,657 |
| Loan loss allowance to noncurrent loans | 214.8230% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 4,373 |
| Noncurrent loans to loans | 0.5450% | 3,552 |
| Net loans and leases to total assets | 54.4383% | 4,406 |
| Net loans and leases to deposits | 68.5269% | 4,001 |
| Net loans and leases to core deposits | 72.8805% | 3,986 |
| Total domestic deposits to total assets | 79.4408% | 4,869 |
| Equity capital to assets | 10.6286% | 3,334 |
| Core capital (leverage) ratio | 10.8724% | 2,546 |
| Tier 1 risk-based capital ratio | 18.8070% | 1,780 |
| Total risk-based capital ratio | 19.9323% | 1,766 |
| Memoranda: | ||
| Average total assets | $150,162,000 | 3,580 |
| Average earning assets | $140,328,500 | 3,557 |
| Average equity | $15,768,500 | 3,767 |
| Average total loans | $83,079,000 | 3,780 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7994% | 932 |
| Cost of funding earning assets | 0.4327% | 2,820 |
| Net interest margin | 4.3667% | 849 |
| Noninterest income to average assets | 0.9580% | 1,295 |
| Noninterest expense to average assets | 4.0343% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9645% | 2,558 |
| Return on assets (ROA) | 0.9693% | 2,597 |
| Pretax return on assets | 0.9850% | 3,525 |
| Return on Equity (ROE) | 9.1651% | 2,385 |
| Retained earnings to average equity (ytd only) | 5.8079% | 1,889 |
| Net charge-offs to loans | 0.1690% | 1,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.1471% | 2,726 |
| Efficiency ratio | 80.4560% | 1,612 |
| Assets per employee ($millions) | 3.4036% | 4,972 |
| Cash dividends to net income (ytd only)* | 36.6300% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 3,137 |
| Loan loss allowance to noncurrent loans | 257.1429% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 4,504 |
| Noncurrent loans to loans | 0.4879% | 3,741 |
| Net loans and leases to total assets | 54.8735% | 4,408 |
| Net loans and leases to deposits | 68.8033% | 4,050 |
| Net loans and leases to core deposits | 75.3629% | 3,814 |
| Total domestic deposits to total assets | 79.7541% | 4,811 |
| Equity capital to assets | 10.3727% | 3,534 |
| Core capital (leverage) ratio | 10.8555% | 2,557 |
| Tier 1 risk-based capital ratio | 18.3709% | 1,866 |
| Total risk-based capital ratio | 19.5530% | 1,840 |
| Memoranda: | ||
| Average total assets | $140,817,400 | 3,708 |
| Average earning assets | $130,809,000 | 3,685 |
| Average equity | $14,893,400 | 3,853 |
| Average total loans | $80,470,000 | 3,813 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7235% | 1,057 |
| Cost of funding earning assets | 0.4289% | 2,921 |
| Net interest margin | 4.2945% | 966 |
| Noninterest income to average assets | 0.9688% | 1,265 |
| Noninterest expense to average assets | 3.7320% | 928 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2122% | 1,610 |
| Return on assets (ROA) | 1.2161% | 1,663 |
| Pretax return on assets | 1.2190% | 2,737 |
| Return on Equity (ROE) | 11.4387% | 1,558 |
| Retained earnings to average equity (ytd only) | 6.9139% | 1,730 |
| Net charge-offs to loans | 0.1738% | 1,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 12.1445% | 2,433 |
| Efficiency ratio | 75.4376% | 2,330 |
| Assets per employee ($millions) | 3.3368% | 5,073 |
| Cash dividends to net income (ytd only)* | 39.5570% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 3,068 |
| Loan loss allowance to noncurrent loans | 169.4488% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 3,607 |
| Noncurrent loans to loans | 0.7692% | 3,042 |
| Net loans and leases to total assets | 55.4932% | 4,410 |
| Net loans and leases to deposits | 69.8335% | 4,004 |
| Net loans and leases to core deposits | 76.8086% | 3,711 |
| Total domestic deposits to total assets | 79.4651% | 4,870 |
| Equity capital to assets | 10.3897% | 3,717 |
| Core capital (leverage) ratio | 11.4502% | 2,076 |
| Tier 1 risk-based capital ratio | 17.8790% | 2,059 |
| Total risk-based capital ratio | 19.0721% | 2,050 |
| Memoranda: | ||
| Average total assets | $138,582,000 | 3,778 |
| Average earning assets | $128,377,500 | 3,765 |
| Average equity | $14,733,250 | 3,916 |
| Average total loans | $79,782,000 | 3,867 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7173% | 1,035 |
| Cost of funding earning assets | 0.4326% | 2,915 |
| Net interest margin | 4.2847% | 945 |
| Noninterest income to average assets | 0.9938% | 1,194 |
| Noninterest expense to average assets | 3.7795% | 890 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1764% | 1,678 |
| Return on assets (ROA) | 1.1823% | 1,726 |
| Pretax return on assets | 1.1867% | 2,832 |
| Return on Equity (ROE) | 11.0305% | 1,667 |
| Retained earnings to average equity (ytd only) | 4.1622% | 3,381 |
| Net charge-offs to loans | 0.1420% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 14.3214% | 2,067 |
| Efficiency ratio | 76.1947% | 2,323 |
| Assets per employee ($millions) | 3.1078% | 5,457 |
| Cash dividends to net income (ytd only)* | 62.2665% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 2,733 |
| Loan loss allowance to noncurrent loans | 233.6798% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 3,971 |
| Noncurrent loans to loans | 0.6011% | 3,664 |
| Net loans and leases to total assets | 57.6936% | 4,144 |
| Net loans and leases to deposits | 71.1739% | 3,798 |
| Net loans and leases to core deposits | 78.8408% | 3,499 |
| Total domestic deposits to total assets | 81.0601% | 4,597 |
| Equity capital to assets | 10.2879% | 3,701 |
| Core capital (leverage) ratio | 11.6162% | 1,911 |
| Tier 1 risk-based capital ratio | 18.1798% | 2,014 |
| Total risk-based capital ratio | 19.4299% | 1,974 |
| Memoranda: | ||
| Average total assets | $135,836,670 | 3,858 |
| Average earning assets | $125,748,670 | 3,850 |
| Average equity | $14,559,670 | 3,954 |
| Average total loans | $78,859,330 | 3,920 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 1,231 |
| Cost of funding earning assets | 0.4372% | 2,910 |
| Net interest margin | 4.1584% | 1,151 |
| Noninterest income to average assets | 0.9130% | 1,345 |
| Noninterest expense to average assets | 3.7257% | 970 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0312% | 2,118 |
| Return on assets (ROA) | 1.0400% | 2,221 |
| Pretax return on assets | 1.0459% | 3,315 |
| Return on Equity (ROE) | 9.5100% | 2,215 |
| Retained earnings to average equity (ytd only) | -3.9985% | 5,860 |
| Net charge-offs to loans | 0.0613% | 2,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,170 |
| Efficiency ratio | 78.2258% | 2,155 |
| Assets per employee ($millions) | 3.0383% | 5,621 |
| Cash dividends to net income (ytd only)* | 142.0455% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 2,446 |
| Loan loss allowance to noncurrent loans | 219.7368% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 3,794 |
| Noncurrent loans to loans | 0.6824% | 3,572 |
| Net loans and leases to total assets | 56.1695% | 4,184 |
| Net loans and leases to deposits | 71.4494% | 3,598 |
| Net loans and leases to core deposits | 76.0236% | 3,596 |
| Total domestic deposits to total assets | 78.6143% | 5,338 |
| Equity capital to assets | 10.9273% | 3,054 |
| Core capital (leverage) ratio | 11.2797% | 2,171 |
| Tier 1 risk-based capital ratio | 18.9737% | 1,878 |
| Total risk-based capital ratio | 20.2260% | 1,839 |
| Memoranda: | ||
| Average total assets | $135,383,500 | 3,893 |
| Average earning assets | $125,338,000 | 3,884 |
| Average equity | $14,805,500 | 3,945 |
| Average total loans | $78,281,000 | 3,951 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 880 |
| Cost of funding earning assets | 0.4731% | 2,950 |
| Net interest margin | 4.4532% | 812 |
| Noninterest income to average assets | 1.0298% | 1,155 |
| Noninterest expense to average assets | 4.1163% | 671 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9790% | 2,489 |
| Return on assets (ROA) | 0.9835% | 2,542 |
| Pretax return on assets | 1.0002% | 3,496 |
| Return on Equity (ROE) | 9.8686% | 2,171 |
| Retained earnings to average equity (ytd only) | 9.8686% | 541 |
| Net charge-offs to loans | 0.1820% | 2,211 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.9318% | 2,679 |
| Efficiency ratio | 80.5230% | 1,844 |
| Assets per employee ($millions) | 2.9140% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 2,463 |
| Loan loss allowance to noncurrent loans | 127.2923% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 3,502 |
| Noncurrent loans to loans | 1.1794% | 2,476 |
| Net loans and leases to total assets | 57.7545% | 4,080 |
| Net loans and leases to deposits | 73.5009% | 3,497 |
| Net loans and leases to core deposits | 79.0486% | 3,403 |
| Total domestic deposits to total assets | 78.5766% | 5,334 |
| Equity capital to assets | 10.9448% | 2,952 |
| Core capital (leverage) ratio | 11.4543% | 2,007 |
| Tier 1 risk-based capital ratio | 18.7981% | 1,909 |
| Total risk-based capital ratio | 20.0504% | 1,872 |
| Memoranda: | ||
| Average total assets | $131,673,000 | 3,944 |
| Average earning assets | $120,700,200 | 3,950 |
| Average equity | $13,122,400 | 4,165 |
| Average total loans | $72,542,200 | 4,110 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 838 |
| Cost of funding earning assets | 0.4795% | 2,962 |
| Net interest margin | 4.4734% | 786 |
| Noninterest income to average assets | 0.9887% | 1,255 |
| Noninterest expense to average assets | 3.8367% | 920 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2420% | 1,549 |
| Return on assets (ROA) | 1.2470% | 1,588 |
| Pretax return on assets | 1.2470% | 2,587 |
| Return on Equity (ROE) | 12.8355% | 1,252 |
| Retained earnings to average equity (ytd only) | 12.8355% | 338 |
| Net charge-offs to loans | 0.0713% | 3,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 32.1287% | 1,310 |
| Efficiency ratio | 75.5458% | 2,568 |
| Assets per employee ($millions) | 2.7664% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 2,140 |
| Loan loss allowance to noncurrent loans | 120.2830% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 3,423 |
| Noncurrent loans to loans | 1.3716% | 2,365 |
| Net loans and leases to total assets | 57.2417% | 4,177 |
| Net loans and leases to deposits | 73.3203% | 3,516 |
| Net loans and leases to core deposits | 78.1367% | 3,524 |
| Total domestic deposits to total assets | 78.0707% | 5,516 |
| Equity capital to assets | 10.7572% | 3,230 |
| Core capital (leverage) ratio | 11.5726% | 1,999 |
| Tier 1 risk-based capital ratio | 18.9031% | 1,929 |
| Total risk-based capital ratio | 20.1568% | 1,898 |
| Memoranda: | ||
| Average total assets | $131,080,000 | 3,985 |
| Average earning assets | $119,847,000 | 3,994 |
| Average equity | $12,735,250 | 4,267 |
| Average total loans | $71,028,500 | 4,189 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 856 |
| Cost of funding earning assets | 0.4932% | 2,900 |
| Net interest margin | 4.4391% | 796 |
| Noninterest income to average assets | 0.9363% | 1,376 |
| Noninterest expense to average assets | 3.8495% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1279% | 1,828 |
| Return on assets (ROA) | 1.1463% | 1,855 |
| Pretax return on assets | 1.1463% | 2,898 |
| Return on Equity (ROE) | 12.2432% | 1,359 |
| Retained earnings to average equity (ytd only) | 12.2432% | 396 |
| Net charge-offs to loans | 0.0754% | 2,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 28.3077% | 1,303 |
| Efficiency ratio | 77.3399% | 2,401 |
| Assets per employee ($millions) | 2.9780% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 1,734 |
| Loan loss allowance to noncurrent loans | 120.7317% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 3,420 |
| Noncurrent loans to loans | 1.5219% | 2,285 |
| Net loans and leases to total assets | 52.4742% | 4,695 |
| Net loans and leases to deposits | 66.8816% | 4,174 |
| Net loans and leases to core deposits | 71.5064% | 4,099 |
| Total domestic deposits to total assets | 78.4584% | 5,560 |
| Equity capital to assets | 10.3358% | 3,641 |
| Core capital (leverage) ratio | 11.3076% | 2,152 |
| Tier 1 risk-based capital ratio | 19.9515% | 1,698 |
| Total risk-based capital ratio | 21.2071% | 1,668 |
| Memoranda: | ||
| Average total assets | $130,511,330 | 4,024 |
| Average earning assets | $118,808,330 | 4,039 |
| Average equity | $12,219,000 | 4,355 |
| Average total loans | $68,943,330 | 4,271 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 816 |
| Cost of funding earning assets | 0.5241% | 2,668 |
| Net interest margin | 4.4090% | 790 |
| Noninterest income to average assets | 0.9244% | 1,320 |
| Noninterest expense to average assets | 3.7773% | 1,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1516% | 1,623 |
| Return on assets (ROA) | 1.1793% | 1,607 |
| Pretax return on assets | 1.1793% | 2,572 |
| Return on Equity (ROE) | 13.2906% | 1,086 |
| Retained earnings to average equity (ytd only) | 13.2906% | 453 |
| Net charge-offs to loans | 0.3158% | 1,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.9444% | 2,175 |
| Efficiency ratio | 76.6355% | 2,705 |
| Assets per employee ($millions) | 3.0073% | 5,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8110% | 2,004 |
| Loan loss allowance to noncurrent loans | 145.2656% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 3,793 |
| Noncurrent loans to loans | 1.2467% | 2,959 |
| Net loans and leases to total assets | 51.5451% | 4,726 |
| Net loans and leases to deposits | 65.1053% | 4,191 |
| Net loans and leases to core deposits | 70.4124% | 4,044 |
| Total domestic deposits to total assets | 79.1719% | 5,658 |
| Equity capital to assets | 9.2790% | 4,780 |
| Core capital (leverage) ratio | 11.0257% | 2,361 |
| Tier 1 risk-based capital ratio | 19.0980% | 1,937 |
| Total risk-based capital ratio | 20.3537% | 1,900 |
| Memoranda: | ||
| Average total assets | $130,252,000 | 4,062 |
| Average earning assets | $118,302,500 | 4,087 |
| Average equity | $11,557,000 | 4,496 |
| Average total loans | $68,393,000 | 4,316 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 1,071 |
| Cost of funding earning assets | 0.5855% | 2,786 |
| Net interest margin | 4.3288% | 1,038 |
| Noninterest income to average assets | 0.9419% | 1,544 |
| Noninterest expense to average assets | 3.8723% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6169% | 4,183 |
| Return on assets (ROA) | 0.6839% | 3,971 |
| Pretax return on assets | 1.0865% | 3,000 |
| Return on Equity (ROE) | 6.7450% | 3,702 |
| Retained earnings to average equity (ytd only) | 4.3785% | 3,060 |
| Net charge-offs to loans | 0.2218% | 2,690 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.1014% | 2,557 |
| Efficiency ratio | 79.7746% | 2,182 |
| Assets per employee ($millions) | 2.7866% | 6,130 |
| Cash dividends to net income (ytd only)* | 35.0857% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9488% | 1,675 |
| Loan loss allowance to noncurrent loans | 137.3822% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 3,826 |
| Noncurrent loans to loans | 1.4185% | 2,764 |
| Net loans and leases to total assets | 51.4975% | 4,921 |
| Net loans and leases to deposits | 62.7600% | 4,640 |
| Net loans and leases to core deposits | 66.9272% | 4,623 |
| Total domestic deposits to total assets | 82.0546% | 4,855 |
| Equity capital to assets | 8.4535% | 5,631 |
| Core capital (leverage) ratio | 10.8395% | 2,537 |
| Tier 1 risk-based capital ratio | 19.1300% | 1,878 |
| Total risk-based capital ratio | 20.3868% | 1,841 |
| Memoranda: | ||
| Average total assets | $127,933,400 | 4,112 |
| Average earning assets | $115,620,000 | 4,144 |
| Average equity | $12,972,600 | 4,271 |
| Average total loans | $62,221,200 | 4,537 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8705% | 1,188 |
| Cost of funding earning assets | 0.6000% | 2,808 |
| Net interest margin | 4.2705% | 1,161 |
| Noninterest income to average assets | 0.9103% | 1,718 |
| Noninterest expense to average assets | 3.2188% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0818% | 2,078 |
| Return on assets (ROA) | 1.2022% | 1,700 |
| Pretax return on assets | 1.7152% | 1,067 |
| Return on Equity (ROE) | 11.3816% | 1,686 |
| Retained earnings to average equity (ytd only) | 11.3816% | 513 |
| Net charge-offs to loans | 0.1684% | 2,872 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 19.2215% | 1,639 |
| Efficiency ratio | 67.5936% | 4,170 |
| Assets per employee ($millions) | 2.7756% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1251% | 1,459 |
| Loan loss allowance to noncurrent loans | 191.7598% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 4,628 |
| Noncurrent loans to loans | 1.1082% | 3,579 |
| Net loans and leases to total assets | 48.4742% | 5,302 |
| Net loans and leases to deposits | 60.8764% | 4,884 |
| Net loans and leases to core deposits | 63.8560% | 4,919 |
| Total domestic deposits to total assets | 79.6271% | 5,600 |
| Equity capital to assets | 9.7920% | 4,196 |
| Core capital (leverage) ratio | 11.3904% | 2,135 |
| Tier 1 risk-based capital ratio | 20.0079% | 1,738 |
| Total risk-based capital ratio | 21.2658% | 1,710 |
| Memoranda: | ||
| Average total assets | $127,871,000 | 4,162 |
| Average earning assets | $115,330,250 | 4,193 |
| Average equity | $13,506,750 | 4,213 |
| Average total loans | $60,945,750 | 4,621 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 1,277 |
| Cost of funding earning assets | 0.6256% | 2,730 |
| Net interest margin | 4.2000% | 1,273 |
| Noninterest income to average assets | 0.9212% | 1,742 |
| Noninterest expense to average assets | 3.1446% | 2,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0885% | 1,962 |
| Return on assets (ROA) | 1.2708% | 1,501 |
| Pretax return on assets | 1.7967% | 938 |
| Return on Equity (ROE) | 11.7373% | 1,571 |
| Retained earnings to average equity (ytd only) | 11.7373% | 537 |
| Net charge-offs to loans | 0.1708% | 2,756 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 19.1765% | 1,515 |
| Efficiency ratio | 67.1261% | 4,338 |
| Assets per employee ($millions) | 2.9914% | 5,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2159% | 1,393 |
| Loan loss allowance to noncurrent loans | 187.5335% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 4,660 |
| Noncurrent loans to loans | 1.1816% | 3,582 |
| Net loans and leases to total assets | 46.9055% | 5,434 |
| Net loans and leases to deposits | 59.5733% | 5,017 |
| Net loans and leases to core deposits | 62.1741% | 5,080 |
| Total domestic deposits to total assets | 78.7358% | 5,843 |
| Equity capital to assets | 9.5814% | 4,474 |
| Core capital (leverage) ratio | 11.2413% | 2,140 |
| Tier 1 risk-based capital ratio | 19.7993% | 1,767 |
| Total risk-based capital ratio | 21.0574% | 1,740 |
| Memoranda: | ||
| Average total assets | $127,010,330 | 4,207 |
| Average earning assets | $113,809,000 | 4,259 |
| Average equity | $13,751,000 | 4,201 |
| Average total loans | $59,724,670 | 4,685 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8035% | 1,285 |
| Cost of funding earning assets | 0.6981% | 2,227 |
| Net interest margin | 4.1054% | 1,444 |
| Noninterest income to average assets | 0.8853% | 1,809 |
| Noninterest expense to average assets | 2.9285% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1210% | 1,773 |
| Return on assets (ROA) | 1.2670% | 1,463 |
| Pretax return on assets | 1.8059% | 874 |
| Return on Equity (ROE) | 11.0327% | 1,697 |
| Retained earnings to average equity (ytd only) | 11.0327% | 867 |
| Net charge-offs to loans | 0.3102% | 1,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 11.0667% | 1,682 |
| Efficiency ratio | 64.7059% | 4,884 |
| Assets per employee ($millions) | 2.9083% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4294% | 1,203 |
| Loan loss allowance to noncurrent loans | 218.5070% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 4,902 |
| Noncurrent loans to loans | 1.1118% | 3,923 |
| Net loans and leases to total assets | 46.1968% | 5,417 |
| Net loans and leases to deposits | 56.6228% | 5,180 |
| Net loans and leases to core deposits | 59.2905% | 5,217 |
| Total domestic deposits to total assets | 81.5869% | 5,328 |
| Equity capital to assets | 11.7989% | 2,178 |
| Core capital (leverage) ratio | 11.2451% | 2,058 |
| Tier 1 risk-based capital ratio | 20.9464% | 1,550 |
| Total risk-based capital ratio | 22.2070% | 1,524 |
| Memoranda: | ||
| Average total assets | $124,705,500 | 4,288 |
| Average earning assets | $110,585,500 | 4,359 |
| Average equity | $14,321,000 | 4,133 |
| Average total loans | $58,019,000 | 4,778 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0719% | 1,376 |
| Cost of funding earning assets | 0.8120% | 2,570 |
| Net interest margin | 4.2599% | 1,495 |
| Noninterest income to average assets | 0.9220% | 1,794 |
| Noninterest expense to average assets | 3.8641% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6747% | 3,861 |
| Return on assets (ROA) | 0.8111% | 3,483 |
| Pretax return on assets | 1.0846% | 3,216 |
| Return on Equity (ROE) | 7.1231% | 3,569 |
| Retained earnings to average equity (ytd only) | 4.6507% | 2,943 |
| Net charge-offs to loans | 0.1569% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 12.5778% | 1,911 |
| Efficiency ratio | 81.0607% | 2,001 |
| Assets per employee ($millions) | 3.1040% | 5,840 |
| Cash dividends to net income (ytd only)* | 34.7099% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4878% | 1,140 |
| Loan loss allowance to noncurrent loans | 97.3118% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.2910% | 3,494 |
| Noncurrent loans to loans | 2.5565% | 2,066 |
| Net loans and leases to total assets | 44.5978% | 5,764 |
| Net loans and leases to deposits | 56.5123% | 5,391 |
| Net loans and leases to core deposits | 57.9455% | 5,547 |
| Total domestic deposits to total assets | 78.9171% | 5,905 |
| Equity capital to assets | 11.1815% | 2,756 |
| Core capital (leverage) ratio | 10.7651% | 2,474 |
| Tier 1 risk-based capital ratio | 19.9338% | 1,699 |
| Total risk-based capital ratio | 21.1952% | 1,667 |
| Memoranda: | ||
| Average total assets | $125,386,200 | 4,239 |
| Average earning assets | $113,171,800 | 4,270 |
| Average equity | $14,277,400 | 4,108 |
| Average total loans | $57,372,800 | 4,818 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0195% | 1,647 |
| Cost of funding earning assets | 0.8253% | 2,737 |
| Net interest margin | 4.1942% | 1,756 |
| Noninterest income to average assets | 0.9382% | 1,708 |
| Noninterest expense to average assets | 3.2042% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1002% | 2,084 |
| Return on assets (ROA) | 1.2691% | 1,675 |
| Pretax return on assets | 1.8049% | 1,036 |
| Return on Equity (ROE) | 11.0943% | 1,923 |
| Retained earnings to average equity (ytd only) | 11.0943% | 666 |
| Net charge-offs to loans | 0.3125% | 2,878 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.9329% | 2,131 |
| Efficiency ratio | 67.2039% | 4,225 |
| Assets per employee ($millions) | 3.0696% | 5,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3980% | 1,366 |
| Loan loss allowance to noncurrent loans | 99.6451% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 3,743 |
| Noncurrent loans to loans | 2.4066% | 2,396 |
| Net loans and leases to total assets | 45.4057% | 5,831 |
| Net loans and leases to deposits | 58.1796% | 5,415 |
| Net loans and leases to core deposits | 59.6885% | 5,592 |
| Total domestic deposits to total assets | 78.0441% | 6,066 |
| Equity capital to assets | 11.9180% | 2,337 |
| Core capital (leverage) ratio | 11.3255% | 2,119 |
| Tier 1 risk-based capital ratio | 20.5768% | 1,621 |
| Total risk-based capital ratio | 21.8375% | 1,587 |
| Memoranda: | ||
| Average total assets | $124,916,750 | 4,293 |
| Average earning assets | $114,058,750 | 4,286 |
| Average equity | $14,289,250 | 4,145 |
| Average total loans | $57,164,750 | 4,879 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0290% | 1,710 |
| Cost of funding earning assets | 0.8490% | 2,801 |
| Net interest margin | 4.1800% | 1,801 |
| Noninterest income to average assets | 0.9342% | 1,664 |
| Noninterest expense to average assets | 3.1620% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1210% | 1,976 |
| Return on assets (ROA) | 1.2760% | 1,665 |
| Pretax return on assets | 1.8185% | 1,003 |
| Return on Equity (ROE) | 11.3146% | 1,872 |
| Retained earnings to average equity (ytd only) | 11.3146% | 688 |
| Net charge-offs to loans | 0.4832% | 2,140 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.2628% | 2,511 |
| Efficiency ratio | 66.4418% | 4,448 |
| Assets per employee ($millions) | 2.8789% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3967% | 1,420 |
| Loan loss allowance to noncurrent loans | 181.7121% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.7198% | 4,997 |
| Noncurrent loans to loans | 1.3189% | 3,941 |
| Net loans and leases to total assets | 46.0894% | 5,815 |
| Net loans and leases to deposits | 59.0131% | 5,340 |
| Net loans and leases to core deposits | 61.4492% | 5,440 |
| Total domestic deposits to total assets | 78.1004% | 6,143 |
| Equity capital to assets | 11.7245% | 2,387 |
| Core capital (leverage) ratio | 10.9061% | 2,385 |
| Tier 1 risk-based capital ratio | 19.8367% | 1,743 |
| Total risk-based capital ratio | 21.0959% | 1,710 |
| Memoranda: | ||
| Average total assets | $124,605,000 | 4,319 |
| Average earning assets | $114,018,000 | 4,308 |
| Average equity | $14,052,670 | 4,186 |
| Average total loans | $56,703,670 | 4,920 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9204% | 2,166 |
| Cost of funding earning assets | 0.8968% | 2,720 |
| Net interest margin | 4.0236% | 2,406 |
| Noninterest income to average assets | 0.9375% | 1,607 |
| Noninterest expense to average assets | 3.1069% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0998% | 2,083 |
| Return on assets (ROA) | 1.3855% | 1,395 |
| Pretax return on assets | 1.9166% | 847 |
| Return on Equity (ROE) | 12.5307% | 1,523 |
| Retained earnings to average equity (ytd only) | 12.5307% | 745 |
| Net charge-offs to loans | 0.0072% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 475.0000% | 53 |
| Efficiency ratio | 67.1508% | 4,330 |
| Assets per employee ($millions) | 3.0935% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7429% | 1,065 |
| Loan loss allowance to noncurrent loans | 227.0310% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 5,397 |
| Noncurrent loans to loans | 1.2082% | 4,313 |
| Net loans and leases to total assets | 42.9676% | 6,103 |
| Net loans and leases to deposits | 55.4834% | 5,662 |
| Net loans and leases to core deposits | 56.6543% | 5,845 |
| Total domestic deposits to total assets | 77.4423% | 6,345 |
| Equity capital to assets | 11.0025% | 2,903 |
| Core capital (leverage) ratio | 10.6148% | 2,630 |
| Tier 1 risk-based capital ratio | 19.4998% | 1,840 |
| Total risk-based capital ratio | 20.7628% | 1,808 |
| Memoranda: | ||
| Average total assets | $125,011,500 | 4,342 |
| Average earning assets | $114,624,500 | 4,322 |
| Average equity | $13,822,000 | 4,233 |
| Average total loans | $55,827,500 | 4,987 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 2,316 |
| Cost of funding earning assets | 1.0464% | 3,049 |
| Net interest margin | 4.0869% | 2,491 |
| Noninterest income to average assets | 0.9166% | 1,617 |
| Noninterest expense to average assets | 3.6778% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8245% | 2,935 |
| Return on assets (ROA) | 0.9011% | 2,730 |
| Pretax return on assets | 1.0690% | 2,959 |
| Return on Equity (ROE) | 8.6320% | 2,619 |
| Retained earnings to average equity (ytd only) | 5.9784% | 2,027 |
| Net charge-offs to loans | 0.0576% | 5,732 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 714 |
| Efficiency ratio | 78.9989% | 2,447 |
| Assets per employee ($millions) | 3.0797% | 5,936 |
| Cash dividends to net income (ytd only)* | 30.7414% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7652% | 1,019 |
| Loan loss allowance to noncurrent loans | 183.9713% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 5,155 |
| Noncurrent loans to loans | 1.5031% | 3,891 |
| Net loans and leases to total assets | 43.9020% | 6,216 |
| Net loans and leases to deposits | 58.0391% | 5,694 |
| Net loans and leases to core deposits | 60.0238% | 5,849 |
| Total domestic deposits to total assets | 75.6421% | 6,528 |
| Equity capital to assets | 11.1123% | 2,879 |
| Core capital (leverage) ratio | 10.9753% | 2,286 |
| Tier 1 risk-based capital ratio | 19.2863% | 1,823 |
| Total risk-based capital ratio | 20.5490% | 1,786 |
| Memoranda: | ||
| Average total assets | $122,734,800 | 4,328 |
| Average earning assets | $112,286,800 | 4,325 |
| Average equity | $12,812,800 | 4,373 |
| Average total loans | $55,555,600 | 5,050 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1312% | 2,467 |
| Cost of funding earning assets | 1.0755% | 3,142 |
| Net interest margin | 4.0557% | 2,667 |
| Noninterest income to average assets | 0.9177% | 1,586 |
| Noninterest expense to average assets | 3.3153% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0375% | 2,183 |
| Return on assets (ROA) | 1.1243% | 2,021 |
| Pretax return on assets | 1.4190% | 1,886 |
| Return on Equity (ROE) | 10.9469% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.9469% | 642 |
| Net charge-offs to loans | -0.0360% | 6,995 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6906% | 3,619 |
| Assets per employee ($millions) | 3.1054% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8832% | 951 |
| Loan loss allowance to noncurrent loans | 217.7198% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 5,526 |
| Noncurrent loans to loans | 1.3243% | 4,325 |
| Net loans and leases to total assets | 42.9803% | 6,432 |
| Net loans and leases to deposits | 57.2194% | 5,917 |
| Net loans and leases to core deposits | 61.0497% | 5,906 |
| Total domestic deposits to total assets | 75.1149% | 6,629 |
| Equity capital to assets | 10.9592% | 3,186 |
| Core capital (leverage) ratio | 10.9060% | 2,470 |
| Tier 1 risk-based capital ratio | 18.9795% | 1,945 |
| Total risk-based capital ratio | 20.2435% | 1,918 |
| Memoranda: | ||
| Average total assets | $122,621,500 | 4,351 |
| Average earning assets | $112,069,000 | 4,359 |
| Average equity | $12,593,750 | 4,429 |
| Average total loans | $55,539,500 | 5,091 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1795% | 2,347 |
| Cost of funding earning assets | 1.1179% | 3,108 |
| Net interest margin | 4.0617% | 2,564 |
| Noninterest income to average assets | 0.8928% | 1,668 |
| Noninterest expense to average assets | 3.2615% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0532% | 2,025 |
| Return on assets (ROA) | 1.1451% | 1,814 |
| Pretax return on assets | 1.4497% | 1,664 |
| Return on Equity (ROE) | 11.4085% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.4085% | 604 |
| Net charge-offs to loans | -0.0036% | 6,557 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9804% | 3,934 |
| Assets per employee ($millions) | 3.1188% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8104% | 1,070 |
| Loan loss allowance to noncurrent loans | 277.5618% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5691% | 5,782 |
| Noncurrent loans to loans | 1.0125% | 4,971 |
| Net loans and leases to total assets | 43.5495% | 6,470 |
| Net loans and leases to deposits | 57.9103% | 5,945 |
| Net loans and leases to core deposits | 62.4970% | 5,862 |
| Total domestic deposits to total assets | 75.2016% | 6,699 |
| Equity capital to assets | 10.3607% | 3,676 |
| Core capital (leverage) ratio | 10.2029% | 3,032 |
| Tier 1 risk-based capital ratio | 18.1483% | 2,125 |
| Total risk-based capital ratio | 19.4119% | 2,075 |
| Memoranda: | ||
| Average total assets | $122,090,330 | 4,387 |
| Average earning assets | $111,284,330 | 4,406 |
| Average equity | $12,254,000 | 4,493 |
| Average total loans | $55,728,330 | 5,140 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2249% | 2,140 |
| Cost of funding earning assets | 1.1976% | 2,834 |
| Net interest margin | 4.0273% | 2,579 |
| Noninterest income to average assets | 0.8844% | 1,714 |
| Noninterest expense to average assets | 3.2892% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9835% | 2,234 |
| Return on assets (ROA) | 1.1693% | 1,655 |
| Pretax return on assets | 1.4839% | 1,493 |
| Return on Equity (ROE) | 11.8471% | 1,502 |
| Retained earnings to average equity (ytd only) | 11.8471% | 758 |
| Net charge-offs to loans | 0.3307% | 2,733 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.1957% | 1,849 |
| Efficiency ratio | 72.4818% | 3,772 |
| Assets per employee ($millions) | 2.9918% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7620% | 1,146 |
| Loan loss allowance to noncurrent loans | 467.4847% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 6,221 |
| Noncurrent loans to loans | 0.5908% | 5,844 |
| Net loans and leases to total assets | 44.8334% | 6,395 |
| Net loans and leases to deposits | 56.5054% | 6,084 |
| Net loans and leases to core deposits | 62.1711% | 5,909 |
| Total domestic deposits to total assets | 79.3435% | 6,106 |
| Equity capital to assets | 10.1820% | 3,556 |
| Core capital (leverage) ratio | 9.9739% | 3,170 |
| Tier 1 risk-based capital ratio | 18.0193% | 2,104 |
| Total risk-based capital ratio | 19.2818% | 2,074 |
| Memoranda: | ||
| Average total assets | $120,760,500 | 4,453 |
| Average earning assets | $109,553,000 | 4,486 |
| Average equity | $11,918,500 | 4,570 |
| Average total loans | $55,643,000 | 5,191 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4721% | 2,390 |
| Cost of funding earning assets | 1.4137% | 3,177 |
| Net interest margin | 4.0584% | 2,761 |
| Noninterest income to average assets | 1.0282% | 1,419 |
| Noninterest expense to average assets | 3.4348% | 2,342 |
| Loan and lease loss provision to assets | 0.3336% | 4,152 |
| Net operating income to assets | 0.8082% | 2,762 |
| Return on assets (ROA) | 0.8748% | 2,626 |
| Pretax return on assets | 1.0449% | 2,791 |
| Return on Equity (ROE) | 8.7699% | 2,391 |
| Retained earnings to average equity (ytd only) | 5.9274% | 1,859 |
| Net charge-offs to loans | 0.5511% | 3,409 |
| Credit loss provision to net charge-offs | 128.6174% | 3,106 |
| Earnings coverage of net charge-offs (x) | 5.0096% | 2,736 |
| Efficiency ratio | 72.5559% | 3,694 |
| Assets per employee ($millions) | 3.0462% | 6,004 |
| Cash dividends to net income (ytd only)* | 32.4118% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7981% | 1,059 |
| Loan loss allowance to noncurrent loans | 315.8954% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.4670% | 6,112 |
| Noncurrent loans to loans | 0.8858% | 5,289 |
| Net loans and leases to total assets | 44.7595% | 6,655 |
| Net loans and leases to deposits | 58.4004% | 6,217 |
| Net loans and leases to core deposits | 65.1165% | 5,966 |
| Total domestic deposits to total assets | 76.6424% | 6,542 |
| Equity capital to assets | 9.5627% | 4,321 |
| Core capital (leverage) ratio | 9.9977% | 3,097 |
| Tier 1 risk-based capital ratio | 17.1483% | 2,295 |
| Total risk-based capital ratio | 18.4113% | 2,248 |
| Memoranda: | ||
| Average total assets | $119,919,000 | 4,487 |
| Average earning assets | $109,501,000 | 4,479 |
| Average equity | $11,961,400 | 4,621 |
| Average total loans | $56,435,600 | 5,215 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5115% | 2,389 |
| Cost of funding earning assets | 1.4457% | 3,301 |
| Net interest margin | 4.0658% | 2,788 |
| Noninterest income to average assets | 1.0382% | 1,343 |
| Noninterest expense to average assets | 3.2675% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2325% | 1,505 |
| Return on assets (ROA) | 1.2983% | 1,409 |
| Pretax return on assets | 1.5640% | 1,434 |
| Return on Equity (ROE) | 12.8803% | 1,286 |
| Retained earnings to average equity (ytd only) | 12.8803% | 358 |
| Net charge-offs to loans | -0.0755% | 7,516 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7573% | 4,320 |
| Assets per employee ($millions) | 3.0641% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7319% | 1,056 |
| Loan loss allowance to noncurrent loans | 287.8327% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 6,351 |
| Noncurrent loans to loans | 0.9491% | 5,334 |
| Net loans and leases to total assets | 43.9823% | 6,844 |
| Net loans and leases to deposits | 58.1818% | 6,447 |
| Net loans and leases to core deposits | 64.8088% | 6,228 |
| Total domestic deposits to total assets | 75.5946% | 6,719 |
| Equity capital to assets | 10.6019% | 3,407 |
| Core capital (leverage) ratio | 9.8774% | 3,386 |
| Tier 1 risk-based capital ratio | 18.4192% | 1,892 |
| Total risk-based capital ratio | 19.6820% | 1,853 |
| Memoranda: | ||
| Average total assets | $119,436,500 | 4,553 |
| Average earning assets | $109,102,000 | 4,551 |
| Average equity | $12,038,750 | 4,668 |
| Average total loans | $56,517,250 | 5,291 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5221% | 2,435 |
| Cost of funding earning assets | 1.4760% | 3,391 |
| Net interest margin | 4.0461% | 2,810 |
| Noninterest income to average assets | 1.0237% | 1,304 |
| Noninterest expense to average assets | 3.3245% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1173% | 1,791 |
| Return on assets (ROA) | 1.1132% | 1,877 |
| Pretax return on assets | 1.3987% | 1,842 |
| Return on Equity (ROE) | 11.2454% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.2454% | 606 |
| Net charge-offs to loans | -0.1301% | 7,591 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3108% | 4,128 |
| Assets per employee ($millions) | 2.9823% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7087% | 1,085 |
| Loan loss allowance to noncurrent loans | 345.0000% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 6,503 |
| Noncurrent loans to loans | 0.7851% | 5,705 |
| Net loans and leases to total assets | 44.5901% | 6,882 |
| Net loans and leases to deposits | 58.6894% | 6,522 |
| Net loans and leases to core deposits | 65.6801% | 6,272 |
| Total domestic deposits to total assets | 75.9765% | 6,701 |
| Equity capital to assets | 10.2031% | 3,763 |
| Core capital (leverage) ratio | 10.1216% | 3,036 |
| Tier 1 risk-based capital ratio | 17.8970% | 1,985 |
| Total risk-based capital ratio | 19.1604% | 1,951 |
| Memoranda: | ||
| Average total assets | $118,394,330 | 4,609 |
| Average earning assets | $108,400,330 | 4,600 |
| Average equity | $11,720,330 | 4,757 |
| Average total loans | $56,883,000 | 5,314 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6343% | 2,012 |
| Cost of funding earning assets | 1.5178% | 3,438 |
| Net interest margin | 4.1165% | 2,369 |
| Noninterest income to average assets | 0.9995% | 1,311 |
| Noninterest expense to average assets | 3.3936% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0972% | 1,835 |
| Return on assets (ROA) | 1.0888% | 1,948 |
| Pretax return on assets | 1.3499% | 1,905 |
| Return on Equity (ROE) | 11.1792% | 1,728 |
| Retained earnings to average equity (ytd only) | 11.1792% | 883 |
| Net charge-offs to loans | -0.1815% | 7,650 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3873% | 4,048 |
| Assets per employee ($millions) | 2.9305% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6486% | 1,127 |
| Loan loss allowance to noncurrent loans | 512.5850% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 6,721 |
| Noncurrent loans to loans | 0.5167% | 6,257 |
| Net loans and leases to total assets | 46.1012% | 6,823 |
| Net loans and leases to deposits | 60.5267% | 6,413 |
| Net loans and leases to core deposits | 67.3947% | 6,167 |
| Total domestic deposits to total assets | 76.1667% | 6,726 |
| Equity capital to assets | 9.8085% | 4,096 |
| Core capital (leverage) ratio | 10.2243% | 2,905 |
| Tier 1 risk-based capital ratio | 17.4646% | 2,086 |
| Total risk-based capital ratio | 18.7289% | 2,052 |
| Memoranda: | ||
| Average total assets | $116,453,500 | 4,710 |
| Average earning assets | $106,206,500 | 4,695 |
| Average equity | $11,342,500 | 4,887 |
| Average total loans | $57,304,000 | 5,371 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2377% | 1,145 |
| Cost of funding earning assets | 1.8023% | 3,986 |
| Net interest margin | 4.4354% | 1,332 |
| Noninterest income to average assets | 1.0782% | 1,328 |
| Noninterest expense to average assets | 3.4095% | 2,644 |
| Loan and lease loss provision to assets | 0.4580% | 4,079 |
| Net operating income to assets | 0.9956% | 1,858 |
| Return on assets (ROA) | 0.8776% | 2,317 |
| Pretax return on assets | 1.0800% | 2,306 |
| Return on Equity (ROE) | 8.9424% | 2,048 |
| Retained earnings to average equity (ytd only) | 5.8900% | 1,394 |
| Net charge-offs to loans | 0.4418% | 4,029 |
| Credit loss provision to net charge-offs | 193.0502% | 2,060 |
| Earnings coverage of net charge-offs (x) | 7.0965% | 2,219 |
| Efficiency ratio | 66.9424% | 5,198 |
| Assets per employee ($millions) | 2.6222% | 7,000 |
| Cash dividends to net income (ytd only)* | 34.1336% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5663% | 1,155 |
| Loan loss allowance to noncurrent loans | 352.6190% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 6,076 |
| Noncurrent loans to loans | 0.7278% | 5,799 |
| Net loans and leases to total assets | 49.8679% | 6,657 |
| Net loans and leases to deposits | 64.6340% | 6,196 |
| Net loans and leases to core deposits | 87.7207% | 5,354 |
| Total domestic deposits to total assets | 77.1542% | 6,428 |
| Equity capital to assets | 9.6669% | 4,191 |
| Core capital (leverage) ratio | 9.6155% | 3,573 |
| Tier 1 risk-based capital ratio | 16.8848% | 2,174 |
| Total risk-based capital ratio | 18.1474% | 2,151 |
| Memoranda: | ||
| Average total assets | $109,164,400 | 4,846 |
| Average earning assets | $98,818,200 | 4,872 |
| Average equity | $10,713,000 | 5,099 |
| Average total loans | $58,625,200 | 5,312 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3079% | 1,119 |
| Cost of funding earning assets | 1.8466% | 4,172 |
| Net interest margin | 4.4613% | 1,287 |
| Noninterest income to average assets | 1.0615% | 1,409 |
| Noninterest expense to average assets | 3.5886% | 2,048 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1940% | 1,480 |
| Return on assets (ROA) | 1.3448% | 1,196 |
| Pretax return on assets | 1.6982% | 973 |
| Return on Equity (ROE) | 13.6502% | 993 |
| Retained earnings to average equity (ytd only) | 13.6502% | 215 |
| Net charge-offs to loans | 0.3172% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 8.7430% | 2,206 |
| Efficiency ratio | 70.4205% | 4,507 |
| Assets per employee ($millions) | 2.6635% | 6,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 2,002 |
| Loan loss allowance to noncurrent loans | 329.3413% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 6,423 |
| Noncurrent loans to loans | 0.5806% | 6,155 |
| Net loans and leases to total assets | 50.4416% | 6,742 |
| Net loans and leases to deposits | 65.9942% | 6,310 |
| Net loans and leases to core deposits | 89.9106% | 5,442 |
| Total domestic deposits to total assets | 76.4334% | 6,488 |
| Equity capital to assets | 10.3034% | 3,732 |
| Core capital (leverage) ratio | 10.3521% | 2,922 |
| Tier 1 risk-based capital ratio | 17.9572% | 2,005 |
| Total risk-based capital ratio | 19.2138% | 1,947 |
| Memoranda: | ||
| Average total assets | $108,266,500 | 4,905 |
| Average earning assets | $97,907,250 | 4,924 |
| Average equity | $10,666,250 | 5,153 |
| Average total loans | $58,854,000 | 5,345 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4166% | 972 |
| Cost of funding earning assets | 1.9177% | 4,176 |
| Net interest margin | 4.4989% | 1,170 |
| Noninterest income to average assets | 1.0405% | 1,464 |
| Noninterest expense to average assets | 3.6743% | 1,889 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1700% | 1,563 |
| Return on assets (ROA) | 1.4103% | 1,072 |
| Pretax return on assets | 1.7092% | 996 |
| Return on Equity (ROE) | 14.5477% | 895 |
| Retained earnings to average equity (ytd only) | 14.5477% | 229 |
| Net charge-offs to loans | 0.2091% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 12.2581% | 1,835 |
| Efficiency ratio | 72.1305% | 4,384 |
| Assets per employee ($millions) | 2.6040% | 7,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0118% | 1,544 |
| Loan loss allowance to noncurrent loans | 203.8062% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 6,112 |
| Noncurrent loans to loans | 0.9871% | 5,231 |
| Net loans and leases to total assets | 52.4609% | 6,628 |
| Net loans and leases to deposits | 68.5332% | 6,134 |
| Net loans and leases to core deposits | 93.3231% | 5,195 |
| Total domestic deposits to total assets | 76.5482% | 6,425 |
| Equity capital to assets | 9.8520% | 4,147 |
| Core capital (leverage) ratio | 10.2226% | 3,070 |
| Tier 1 risk-based capital ratio | 17.0687% | 2,278 |
| Total risk-based capital ratio | 18.3260% | 2,227 |
| Memoranda: | ||
| Average total assets | $107,066,670 | 4,963 |
| Average earning assets | $96,468,330 | 4,995 |
| Average equity | $10,379,670 | 5,257 |
| Average total loans | $59,296,330 | 5,366 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5814% | 742 |
| Cost of funding earning assets | 2.0234% | 4,018 |
| Net interest margin | 4.5580% | 1,023 |
| Noninterest income to average assets | 0.9895% | 1,517 |
| Noninterest expense to average assets | 3.6066% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2602% | 1,478 |
| Return on assets (ROA) | 1.7637% | 626 |
| Pretax return on assets | 2.0431% | 613 |
| Return on Equity (ROE) | 18.3461% | 568 |
| Retained earnings to average equity (ytd only) | 18.3461% | 222 |
| Net charge-offs to loans | 0.5162% | 2,169 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.0130% | 2,771 |
| Efficiency ratio | 71.2155% | 4,321 |
| Assets per employee ($millions) | 2.5507% | 7,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9709% | 1,478 |
| Loan loss allowance to noncurrent loans | 639.0110% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 7,028 |
| Noncurrent loans to loans | 0.3084% | 6,663 |
| Net loans and leases to total assets | 53.9957% | 6,465 |
| Net loans and leases to deposits | 70.6435% | 5,918 |
| Net loans and leases to core deposits | 95.6290% | 5,008 |
| Total domestic deposits to total assets | 76.4340% | 6,424 |
| Equity capital to assets | 9.7807% | 4,256 |
| Core capital (leverage) ratio | 10.1935% | 3,203 |
| Tier 1 risk-based capital ratio | 17.1689% | 2,289 |
| Total risk-based capital ratio | 18.4259% | 2,225 |
| Memoranda: | ||
| Average total assets | $105,915,500 | 5,009 |
| Average earning assets | $94,691,000 | 5,065 |
| Average equity | $10,182,000 | 5,329 |
| Average total loans | $59,667,500 | 5,376 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1907% | 762 |
| Cost of funding earning assets | 2.4655% | 4,389 |
| Net interest margin | 4.7251% | 928 |
| Noninterest income to average assets | 1.0841% | 1,340 |
| Noninterest expense to average assets | 3.7132% | 1,929 |
| Loan and lease loss provision to assets | 0.2949% | 4,024 |
| Net operating income to assets | 1.0202% | 2,474 |
| Return on assets (ROA) | 0.9858% | 2,487 |
| Pretax return on assets | 1.2934% | 2,330 |
| Return on Equity (ROE) | 10.1127% | 2,224 |
| Retained earnings to average equity (ytd only) | 6.8158% | 1,214 |
| Net charge-offs to loans | 0.5248% | 2,268 |
| Credit loss provision to net charge-offs | 92.0245% | 5,633 |
| Earnings coverage of net charge-offs (x) | 5.0982% | 3,751 |
| Efficiency ratio | 69.4485% | 4,455 |
| Assets per employee ($millions) | 2.4349% | 7,337 |
| Cash dividends to net income (ytd only)* | 32.6022% | 4,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 1,138 |
| Loan loss allowance to noncurrent loans | 506.1224% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 6,619 |
| Noncurrent loans to loans | 0.4061% | 6,128 |
| Net loans and leases to total assets | 56.4335% | 6,384 |
| Net loans and leases to deposits | 72.7126% | 5,978 |
| Net loans and leases to core deposits | 99.4798% | 4,874 |
| Total domestic deposits to total assets | 77.6117% | 5,833 |
| Equity capital to assets | 9.4420% | 4,763 |
| Core capital (leverage) ratio | 9.8754% | 3,572 |
| Tier 1 risk-based capital ratio | 16.4285% | 2,512 |
| Total risk-based capital ratio | 17.6877% | 2,445 |
| Memoranda: | ||
| Average total assets | $101,744,600 | 5,001 |
| Average earning assets | $91,785,600 | 5,035 |
| Average equity | $9,918,200 | 5,435 |
| Average total loans | $62,124,000 | 5,176 |