Home > First Bank of Manhattan > Performance and Condition Ratios
First Bank of Manhattan, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6681% | 4,301 |
| Cost of funding earning assets | 0.9711% | 3,366 |
| Net interest margin | 2.6970% | 3,825 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.3651% | 2,677 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.5240% | 3,618 |
| Return on assets (ROA) | 0.5240% | 3,606 |
| Pretax return on assets | 0.5240% | 3,769 |
| Return on Equity (ROE) | 8.3200% | 2,940 |
| Retained earnings to average equity (ytd only) | 8.3205% | 1,454 |
| Net charge-offs to loans | 0.0149% | 2,106 |
| Credit loss provision to net charge-offs | 110.0000% | 1,757 |
| Earnings coverage of net charge-offs (x) | 66.0500% | 1,130 |
| Efficiency ratio | 81.6119% | 801 |
| Assets per employee ($millions) | 5.2271% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 2,923 |
| Loan loss allowance to noncurrent loans | 1,893.8272% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 3,423 |
| Noncurrent loans to loans | 0.0571% | 3,308 |
| Net loans and leases to total assets | 57.1000% | 3,115 |
| Net loans and leases to deposits | 61.6577% | 3,429 |
| Net loans and leases to core deposits | 63.5022% | 3,611 |
| Total domestic deposits to total assets | 92.6200% | 216 |
| Equity capital to assets | 7.0805% | 3,908 |
| Core capital (leverage) ratio | 8.8349% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2750% | 866 |
| Memoranda: | ||
| Average total assets | $247,896,800 | 2,698 |
| Average earning assets | $238,487,600 | 2,636 |
| Average equity | $15,612,000 | 3,213 |
| Average total loans | $134,438,200 | 2,820 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5419% | 4,354 |
| Cost of funding earning assets | 0.8241% | 3,466 |
| Net interest margin | 2.7179% | 3,862 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.3698% | 2,596 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.5656% | 3,633 |
| Return on assets (ROA) | 0.5656% | 3,618 |
| Pretax return on assets | 0.5656% | 3,795 |
| Return on Equity (ROE) | 9.2700% | 2,857 |
| Retained earnings to average equity (ytd only) | 9.2660% | 1,616 |
| Net charge-offs to loans | 0.0091% | 2,072 |
| Credit loss provision to net charge-offs | -277.7778% | 4,555 |
| Earnings coverage of net charge-offs (x) | 114.3333% | 864 |
| Efficiency ratio | 81.1019% | 799 |
| Assets per employee ($millions) | 5.6918% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 2,913 |
| Loan loss allowance to noncurrent loans | 662.8319% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 2,997 |
| Noncurrent loans to loans | 0.1644% | 2,722 |
| Net loans and leases to total assets | 53.0700% | 3,418 |
| Net loans and leases to deposits | 56.6996% | 3,674 |
| Net loans and leases to core deposits | 58.3810% | 3,770 |
| Total domestic deposits to total assets | 93.6000% | 228 |
| Equity capital to assets | 6.0723% | 3,964 |
| Core capital (leverage) ratio | 8.8687% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6512% | 863 |
| Memoranda: | ||
| Average total assets | $248,452,500 | 2,695 |
| Average earning assets | $239,298,750 | 2,635 |
| Average equity | $15,166,250 | 3,243 |
| Average total loans | $132,591,500 | 2,840 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5080% | 4,335 |
| Cost of funding earning assets | 0.6862% | 3,523 |
| Net interest margin | 2.8218% | 3,790 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.4263% | 2,416 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 0.6474% | 3,469 |
| Return on assets (ROA) | 0.6474% | 3,477 |
| Pretax return on assets | 0.6474% | 3,706 |
| Return on Equity (ROE) | 10.5900% | 2,535 |
| Retained earnings to average equity (ytd only) | 10.5870% | 1,264 |
| Net charge-offs to loans | 0.0366% | 1,172 |
| Credit loss provision to net charge-offs | -229.1667% | 4,568 |
| Earnings coverage of net charge-offs (x) | 30.8750% | 1,531 |
| Efficiency ratio | 80.1020% | 834 |
| Assets per employee ($millions) | 5.6410% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,061 |
| Loan loss allowance to noncurrent loans | 641.1255% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 2,903 |
| Noncurrent loans to loans | 0.1679% | 2,639 |
| Net loans and leases to total assets | 53.6200% | 3,294 |
| Net loans and leases to deposits | 58.4344% | 3,518 |
| Net loans and leases to core deposits | 59.9893% | 3,634 |
| Total domestic deposits to total assets | 91.7500% | 465 |
| Equity capital to assets | 6.0100% | 4,148 |
| Core capital (leverage) ratio | 8.8938% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2783% | 916 |
| Memoranda: | ||
| Average total assets | $245,893,333 | 2,715 |
| Average earning assets | $236,658,667 | 2,665 |
| Average equity | $15,037,333 | 3,265 |
| Average total loans | $130,977,667 | 2,856 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4140% | 4,361 |
| Cost of funding earning assets | 0.5790% | 3,448 |
| Net interest margin | 2.8350% | 3,891 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.4636% | 2,339 |
| Loan and lease loss provision to assets | -0.1500% | 4,603 |
| Net operating income to assets | 0.7523% | 3,340 |
| Return on assets (ROA) | 0.7523% | 3,292 |
| Pretax return on assets | 0.7523% | 3,557 |
| Return on Equity (ROE) | 12.1900% | 2,169 |
| Retained earnings to average equity (ytd only) | 12.1919% | 1,233 |
| Net charge-offs to loans | 0.0533% | 829 |
| Credit loss provision to net charge-offs | -529.4118% | 4,627 |
| Earnings coverage of net charge-offs (x) | 21.4706% | 1,433 |
| Efficiency ratio | 80.3235% | 806 |
| Assets per employee ($millions) | 5.5723% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 3,021 |
| Loan loss allowance to noncurrent loans | 642.9204% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 2,890 |
| Noncurrent loans to loans | 0.1721% | 2,620 |
| Net loans and leases to total assets | 52.9600% | 3,279 |
| Net loans and leases to deposits | 56.6805% | 3,536 |
| Net loans and leases to core deposits | 58.0601% | 3,628 |
| Total domestic deposits to total assets | 93.4400% | 241 |
| Equity capital to assets | 6.3965% | 4,062 |
| Core capital (leverage) ratio | 8.8024% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6947% | 884 |
| Memoranda: | ||
| Average total assets | $241,917,500 | 2,774 |
| Average earning assets | $233,512,000 | 2,716 |
| Average equity | $14,928,000 | 3,312 |
| Average total loans | $127,675,000 | 2,908 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0181% | 4,108 |
| Cost of funding earning assets | 0.1028% | 4,383 |
| Net interest margin | 2.9153% | 3,643 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.2749% | 2,819 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.8477% | 3,160 |
| Return on assets (ROA) | 0.8477% | 3,093 |
| Pretax return on assets | 0.8477% | 3,490 |
| Return on Equity (ROE) | 13.6800% | 1,608 |
| Retained earnings to average equity (ytd only) | 13.6784% | 429 |
| Net charge-offs to loans | 0.0236% | 1,588 |
| Credit loss provision to net charge-offs | -714.2857% | 4,647 |
| Earnings coverage of net charge-offs (x) | 67.5714% | 1,179 |
| Efficiency ratio | 74.7935% | 1,140 |
| Assets per employee ($millions) | 5.4240% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 2,457 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 51.3600% | 3,407 |
| Net loans and leases to deposits | 54.6382% | 3,643 |
| Net loans and leases to core deposits | 55.2809% | 3,753 |
| Total domestic deposits to total assets | 94.0000% | 243 |
| Equity capital to assets | 5.9387% | 4,110 |
| Core capital (leverage) ratio | 8.4148% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4388% | 783 |
| Memoranda: | ||
| Average total assets | $246,774,800 | 2,746 |
| Average earning assets | $236,307,800 | 2,699 |
| Average equity | $15,294,200 | 3,345 |
| Average total loans | $118,557,600 | 2,938 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8842% | 4,083 |
| Cost of funding earning assets | 0.0353% | 4,629 |
| Net interest margin | 2.8488% | 3,628 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.2319% | 2,841 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7401% | 3,447 |
| Return on assets (ROA) | 0.7401% | 3,395 |
| Pretax return on assets | 0.7401% | 3,714 |
| Return on Equity (ROE) | 11.8200% | 2,092 |
| Retained earnings to average equity (ytd only) | 11.8224% | 832 |
| Net charge-offs to loans | 0.0330% | 1,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 47.6207% | 1,310 |
| Efficiency ratio | 75.0992% | 1,165 |
| Assets per employee ($millions) | 5.7867% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 1,914 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 48.8700% | 3,543 |
| Net loans and leases to deposits | 51.7014% | 3,750 |
| Net loans and leases to core deposits | 52.1801% | 3,846 |
| Total domestic deposits to total assets | 94.5300% | 283 |
| Equity capital to assets | 5.3571% | 4,173 |
| Core capital (leverage) ratio | 8.0229% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4186% | 934 |
| Memoranda: | ||
| Average total assets | $248,804,750 | 2,756 |
| Average earning assets | $237,844,500 | 2,699 |
| Average equity | $15,574,500 | 3,358 |
| Average total loans | $117,186,500 | 2,959 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8095% | 3,955 |
| Cost of funding earning assets | 0.0306% | 4,689 |
| Net interest margin | 2.7788% | 3,503 |
| Noninterest income to average assets | 0.2455% | 3,697 |
| Noninterest expense to average assets | 2.2449% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6465% | 3,484 |
| Return on assets (ROA) | 0.6465% | 3,436 |
| Pretax return on assets | 0.6465% | 3,725 |
| Return on Equity (ROE) | 9.8401% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.8401% | 1,061 |
| Net charge-offs to loans | 0.0438% | 949 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 31.9200% | 1,365 |
| Efficiency ratio | 77.6408% | 1,112 |
| Assets per employee ($millions) | 5.6068% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 1,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 46.4797% | 3,682 |
| Net loans and leases to deposits | 49.2253% | 3,852 |
| Net loans and leases to core deposits | 50.0226% | 3,934 |
| Total domestic deposits to total assets | 94.4222% | 210 |
| Equity capital to assets | 5.4913% | 4,366 |
| Core capital (leverage) ratio | 8.1156% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8589% | 874 |
| Memoranda: | ||
| Average total assets | $246,868,333 | 2,791 |
| Average earning assets | $235,063,667 | 2,754 |
| Average equity | $16,219,333 | 3,391 |
| Average total loans | $114,212,333 | 3,016 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9509% | 3,395 |
| Cost of funding earning assets | 0.0329% | 4,697 |
| Net interest margin | 2.9180% | 2,775 |
| Noninterest income to average assets | 0.2441% | 3,679 |
| Noninterest expense to average assets | 2.2544% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7487% | 2,858 |
| Return on assets (ROA) | 0.7487% | 2,852 |
| Pretax return on assets | 0.7487% | 3,254 |
| Return on Equity (ROE) | 10.5048% | 1,797 |
| Retained earnings to average equity (ytd only) | 10.5048% | 903 |
| Net charge-offs to loans | 0.0036% | 1,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 457.0000% | 223 |
| Efficiency ratio | 75.0682% | 1,625 |
| Assets per employee ($millions) | 5.4997% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 1,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.3007% | 3,719 |
| Net loans and leases to deposits | 48.5296% | 3,840 |
| Net loans and leases to core deposits | 49.1379% | 3,921 |
| Total domestic deposits to total assets | 91.2860% | 896 |
| Equity capital to assets | 6.5902% | 4,389 |
| Core capital (leverage) ratio | 7.9073% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9341% | 912 |
| Memoranda: | ||
| Average total assets | $244,149,500 | 2,819 |
| Average earning assets | $230,844,000 | 2,797 |
| Average equity | $17,401,500 | 3,365 |
| Average total loans | $111,846,500 | 3,035 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1323% | 3,618 |
| Cost of funding earning assets | 0.0683% | 4,598 |
| Net interest margin | 3.0639% | 3,012 |
| Noninterest income to average assets | 0.2757% | 3,742 |
| Noninterest expense to average assets | 2.4243% | 2,414 |
| Loan and lease loss provision to assets | 0.0166% | 2,741 |
| Net operating income to assets | 0.7191% | 3,573 |
| Return on assets (ROA) | 0.7191% | 3,634 |
| Pretax return on assets | 0.7191% | 3,891 |
| Return on Equity (ROE) | 8.8876% | 2,956 |
| Retained earnings to average equity (ytd only) | 5.5013% | 2,566 |
| Net charge-offs to loans | 0.0104% | 2,170 |
| Credit loss provision to net charge-offs | 316.6667% | 1,036 |
| Earnings coverage of net charge-offs (x) | 140.0833% | 706 |
| Efficiency ratio | 76.7175% | 1,052 |
| Assets per employee ($millions) | 5.7336% | 3,021 |
| Cash dividends to net income (ytd only)* | 38.1010% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,507 |
| Loan loss allowance to noncurrent loans | 169,900.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,216 |
| Noncurrent loans to loans | 0.0009% | 4,129 |
| Net loans and leases to total assets | 45.9518% | 3,696 |
| Net loans and leases to deposits | 50.9560% | 3,807 |
| Net loans and leases to core deposits | 51.6978% | 3,914 |
| Total domestic deposits to total assets | 90.1794% | 874 |
| Equity capital to assets | 7.6795% | 4,509 |
| Core capital (leverage) ratio | 7.7500% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5716% | 810 |
| Memoranda: | ||
| Average total assets | $228,482,600 | 2,858 |
| Average earning assets | $215,082,400 | 2,841 |
| Average equity | $18,486,400 | 3,349 |
| Average total loans | $115,167,000 | 2,992 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1804% | 3,637 |
| Cost of funding earning assets | 0.0799% | 4,632 |
| Net interest margin | 3.1005% | 3,054 |
| Noninterest income to average assets | 0.2644% | 3,819 |
| Noninterest expense to average assets | 2.4400% | 2,306 |
| Loan and lease loss provision to assets | 0.0226% | 2,542 |
| Net operating income to assets | 0.7163% | 3,729 |
| Return on assets (ROA) | 0.7163% | 3,795 |
| Pretax return on assets | 0.7163% | 4,045 |
| Return on Equity (ROE) | 8.7349% | 3,189 |
| Retained earnings to average equity (ytd only) | 4.2196% | 3,501 |
| Net charge-offs to loans | 0.0127% | 1,862 |
| Credit loss provision to net charge-offs | 345.4545% | 933 |
| Earnings coverage of net charge-offs (x) | 113.5455% | 805 |
| Efficiency ratio | 76.7585% | 979 |
| Assets per employee ($millions) | 5.2965% | 3,408 |
| Cash dividends to net income (ytd only)* | 51.6928% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 1,598 |
| Loan loss allowance to noncurrent loans | 10,625.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,208 |
| Noncurrent loans to loans | 0.0142% | 4,102 |
| Net loans and leases to total assets | 47.6288% | 3,662 |
| Net loans and leases to deposits | 53.0837% | 3,806 |
| Net loans and leases to core deposits | 53.7373% | 3,935 |
| Total domestic deposits to total assets | 89.7239% | 907 |
| Equity capital to assets | 8.0443% | 4,498 |
| Core capital (leverage) ratio | 7.8741% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9848% | 817 |
| Memoranda: | ||
| Average total assets | $225,400,500 | 2,905 |
| Average earning assets | $211,875,500 | 2,888 |
| Average equity | $18,484,750 | 3,391 |
| Average total loans | $115,869,750 | 3,032 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0972% | 3,876 |
| Cost of funding earning assets | 0.0965% | 4,602 |
| Net interest margin | 3.0007% | 3,322 |
| Noninterest income to average assets | 0.2468% | 3,921 |
| Noninterest expense to average assets | 2.4644% | 2,256 |
| Loan and lease loss provision to assets | 0.0341% | 2,300 |
| Net operating income to assets | 0.5654% | 4,062 |
| Return on assets (ROA) | 0.5654% | 4,113 |
| Pretax return on assets | 0.5654% | 4,285 |
| Return on Equity (ROE) | 6.8488% | 3,693 |
| Retained earnings to average equity (ytd only) | 1.8807% | 4,147 |
| Net charge-offs to loans | 0.0291% | 1,374 |
| Credit loss provision to net charge-offs | 223.5294% | 1,006 |
| Earnings coverage of net charge-offs (x) | 39.2941% | 1,175 |
| Efficiency ratio | 80.4335% | 758 |
| Assets per employee ($millions) | 5.1868% | 3,470 |
| Cash dividends to net income (ytd only)* | 72.5397% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,822 |
| Loan loss allowance to noncurrent loans | 9,411.1111% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 4,261 |
| Noncurrent loans to loans | 0.0153% | 4,154 |
| Net loans and leases to total assets | 49.7648% | 3,574 |
| Net loans and leases to deposits | 55.3311% | 3,765 |
| Net loans and leases to core deposits | 56.0069% | 3,888 |
| Total domestic deposits to total assets | 89.9399% | 811 |
| Equity capital to assets | 7.8596% | 4,598 |
| Core capital (leverage) ratio | 7.9702% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8304% | 720 |
| Memoranda: | ||
| Average total assets | $222,852,000 | 2,918 |
| Average earning assets | $209,219,333 | 2,910 |
| Average equity | $18,397,333 | 3,392 |
| Average total loans | $116,927,333 | 3,036 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0046% | 4,075 |
| Cost of funding earning assets | 0.1196% | 4,522 |
| Net interest margin | 2.8850% | 3,565 |
| Noninterest income to average assets | 0.4504% | 2,825 |
| Noninterest expense to average assets | 2.4690% | 2,269 |
| Loan and lease loss provision to assets | 0.0699% | 1,765 |
| Net operating income to assets | 0.6159% | 3,901 |
| Return on assets (ROA) | 0.6159% | 3,966 |
| Pretax return on assets | 0.6159% | 4,169 |
| Return on Equity (ROE) | 7.2733% | 3,533 |
| Retained earnings to average equity (ytd only) | 1.2810% | 4,162 |
| Net charge-offs to loans | 0.0206% | 1,325 |
| Credit loss provision to net charge-offs | 633.3333% | 539 |
| Earnings coverage of net charge-offs (x) | 62.1667% | 808 |
| Efficiency ratio | 78.2634% | 937 |
| Assets per employee ($millions) | 4.9765% | 3,686 |
| Cash dividends to net income (ytd only)* | 82.3881% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 1,754 |
| Loan loss allowance to noncurrent loans | 125.0917% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 1,570 |
| Noncurrent loans to loans | 1.1629% | 1,141 |
| Net loans and leases to total assets | 51.5756% | 3,488 |
| Net loans and leases to deposits | 57.3418% | 3,689 |
| Net loans and leases to core deposits | 58.1619% | 3,821 |
| Total domestic deposits to total assets | 89.9442% | 846 |
| Equity capital to assets | 8.1682% | 4,383 |
| Core capital (leverage) ratio | 8.1216% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9869% | 584 |
| Memoranda: | ||
| Average total assets | $217,574,000 | 2,948 |
| Average earning assets | $203,952,000 | 2,941 |
| Average equity | $18,423,500 | 3,383 |
| Average total loans | $116,466,500 | 3,047 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4060% | 4,185 |
| Cost of funding earning assets | 0.2795% | 4,251 |
| Net interest margin | 3.1265% | 3,564 |
| Noninterest income to average assets | 0.3995% | 3,088 |
| Noninterest expense to average assets | 2.6871% | 2,278 |
| Loan and lease loss provision to assets | 0.0769% | 3,418 |
| Net operating income to assets | 0.5841% | 3,803 |
| Return on assets (ROA) | 0.5841% | 3,907 |
| Pretax return on assets | 0.5841% | 4,109 |
| Return on Equity (ROE) | 6.3031% | 3,483 |
| Retained earnings to average equity (ytd only) | 2.5732% | 3,561 |
| Net charge-offs to loans | -0.0556% | 4,687 |
| Credit loss provision to net charge-offs | -258.6207% | 3,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2573% | 868 |
| Assets per employee ($millions) | 4.8002% | 3,605 |
| Cash dividends to net income (ytd only)* | 59.1747% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,790 |
| Loan loss allowance to noncurrent loans | 121.4960% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 1,426 |
| Noncurrent loans to loans | 1.1898% | 1,190 |
| Net loans and leases to total assets | 54.0020% | 3,488 |
| Net loans and leases to deposits | 60.6271% | 3,712 |
| Net loans and leases to core deposits | 61.7063% | 3,846 |
| Total domestic deposits to total assets | 89.0723% | 954 |
| Equity capital to assets | 8.7852% | 4,236 |
| Core capital (leverage) ratio | 8.3943% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8342% | 679 |
| Memoranda: | ||
| Average total assets | $195,003,200 | 2,982 |
| Average earning assets | $183,911,400 | 2,960 |
| Average equity | $18,070,600 | 3,357 |
| Average total loans | $104,375,000 | 3,174 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3908% | 4,356 |
| Cost of funding earning assets | 0.3154% | 4,243 |
| Net interest margin | 3.0755% | 3,797 |
| Noninterest income to average assets | 0.3966% | 3,098 |
| Noninterest expense to average assets | 2.7748% | 2,042 |
| Loan and lease loss provision to assets | 0.0524% | 3,699 |
| Net operating income to assets | 0.4769% | 4,096 |
| Return on assets (ROA) | 0.4769% | 4,172 |
| Pretax return on assets | 0.4769% | 4,323 |
| Return on Equity (ROE) | 5.0734% | 3,874 |
| Retained earnings to average equity (ytd only) | 0.6091% | 4,357 |
| Net charge-offs to loans | 0.0026% | 3,083 |
| Credit loss provision to net charge-offs | 3,750.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 379.0000% | 303 |
| Efficiency ratio | 83.9814% | 602 |
| Assets per employee ($millions) | 4.9510% | 3,308 |
| Cash dividends to net income (ytd only)* | 87.9941% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 1,966 |
| Loan loss allowance to noncurrent loans | 1,349.1228% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 3,782 |
| Noncurrent loans to loans | 0.0999% | 3,977 |
| Net loans and leases to total assets | 52.8970% | 3,901 |
| Net loans and leases to deposits | 59.3358% | 4,106 |
| Net loans and leases to core deposits | 60.2775% | 4,187 |
| Total domestic deposits to total assets | 89.1485% | 707 |
| Equity capital to assets | 8.5771% | 4,421 |
| Core capital (leverage) ratio | 8.5242% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3649% | 630 |
| Memoranda: | ||
| Average total assets | $190,952,250 | 3,003 |
| Average earning assets | $180,521,000 | 2,975 |
| Average equity | $17,949,500 | 3,376 |
| Average total loans | $101,536,500 | 3,211 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4732% | 4,445 |
| Cost of funding earning assets | 0.3683% | 4,182 |
| Net interest margin | 3.1048% | 3,892 |
| Noninterest income to average assets | 0.3485% | 3,389 |
| Noninterest expense to average assets | 2.8578% | 1,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4378% | 4,149 |
| Return on assets (ROA) | 0.4378% | 4,213 |
| Pretax return on assets | 0.4378% | 4,357 |
| Return on Equity (ROE) | 4.5052% | 3,973 |
| Retained earnings to average equity (ytd only) | -1.2776% | 4,515 |
| Net charge-offs to loans | 0.0534% | 1,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.4615% | 1,908 |
| Efficiency ratio | 86.7151% | 508 |
| Assets per employee ($millions) | 4.8245% | 3,393 |
| Cash dividends to net income (ytd only)* | 128.3582% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,095 |
| Loan loss allowance to noncurrent loans | 5,756.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 4,076 |
| Noncurrent loans to loans | 0.0223% | 4,395 |
| Net loans and leases to total assets | 54.7136% | 3,816 |
| Net loans and leases to deposits | 61.7134% | 4,021 |
| Net loans and leases to core deposits | 62.6016% | 4,149 |
| Total domestic deposits to total assets | 88.6575% | 885 |
| Equity capital to assets | 8.9163% | 4,159 |
| Core capital (leverage) ratio | 9.0845% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7843% | 604 |
| Memoranda: | ||
| Average total assets | $183,638,667 | 3,045 |
| Average earning assets | $174,308,000 | 3,008 |
| Average equity | $17,846,000 | 3,379 |
| Average total loans | $97,331,333 | 3,279 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 4,541 |
| Cost of funding earning assets | 0.4575% | 4,124 |
| Net interest margin | 3.1328% | 4,030 |
| Noninterest income to average assets | 0.3491% | 3,428 |
| Noninterest expense to average assets | 2.9952% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3583% | 4,222 |
| Return on assets (ROA) | 0.3583% | 4,256 |
| Pretax return on assets | 0.3583% | 4,366 |
| Return on Equity (ROE) | 3.5184% | 4,089 |
| Retained earnings to average equity (ytd only) | -3.1801% | 4,373 |
| Net charge-offs to loans | 0.0045% | 2,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 416 |
| Efficiency ratio | 89.3151% | 520 |
| Assets per employee ($millions) | 3.9918% | 3,927 |
| Cash dividends to net income (ytd only)* | 190.3846% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 975 |
| Loan loss allowance to noncurrent loans | 1,952.0000% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 2,198 |
| Noncurrent loans to loans | 0.0841% | 4,176 |
| Net loans and leases to total assets | 49.9601% | 4,242 |
| Net loans and leases to deposits | 55.7119% | 4,380 |
| Net loans and leases to core deposits | 56.6185% | 4,475 |
| Total domestic deposits to total assets | 89.6759% | 423 |
| Equity capital to assets | 10.1891% | 3,610 |
| Core capital (leverage) ratio | 9.8247% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8658% | 572 |
| Memoranda: | ||
| Average total assets | $174,144,000 | 3,094 |
| Average earning assets | $167,009,500 | 3,044 |
| Average equity | $17,735,500 | 3,399 |
| Average total loans | $89,845,000 | 3,400 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8864% | 4,460 |
| Cost of funding earning assets | 0.4694% | 4,203 |
| Net interest margin | 3.4170% | 3,694 |
| Noninterest income to average assets | 0.4681% | 2,914 |
| Noninterest expense to average assets | 2.9570% | 2,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7710% | 3,640 |
| Return on assets (ROA) | 0.7710% | 3,720 |
| Pretax return on assets | 0.7710% | 4,044 |
| Return on Equity (ROE) | 7.4971% | 3,371 |
| Retained earnings to average equity (ytd only) | 1.8033% | 4,081 |
| Net charge-offs to loans | 0.0455% | 2,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 30.0698% | 1,582 |
| Efficiency ratio | 79.3186% | 998 |
| Assets per employee ($millions) | 4.0151% | 3,882 |
| Cash dividends to net income (ytd only)* | 75.9474% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 936 |
| Loan loss allowance to noncurrent loans | 135.6481% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 2,017 |
| Noncurrent loans to loans | 1.1937% | 1,263 |
| Net loans and leases to total assets | 51.5563% | 4,253 |
| Net loans and leases to deposits | 57.4898% | 4,392 |
| Net loans and leases to core deposits | 58.4344% | 4,501 |
| Total domestic deposits to total assets | 89.6791% | 436 |
| Equity capital to assets | 10.1796% | 3,751 |
| Core capital (leverage) ratio | 9.8596% | 3,660 |
| Tier 1 risk-based capital ratio | 21.0015% | 1,165 |
| Total risk-based capital ratio | 22.2572% | 1,136 |
| Memoranda: | ||
| Average total assets | $167,702,200 | 3,126 |
| Average earning assets | $159,995,600 | 3,081 |
| Average equity | $17,246,600 | 3,410 |
| Average total loans | $94,405,600 | 3,307 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8922% | 4,554 |
| Cost of funding earning assets | 0.4346% | 4,386 |
| Net interest margin | 3.4576% | 3,711 |
| Noninterest income to average assets | 0.4541% | 2,996 |
| Noninterest expense to average assets | 2.9635% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7849% | 3,718 |
| Return on assets (ROA) | 0.7849% | 3,788 |
| Pretax return on assets | 0.7849% | 4,155 |
| Return on Equity (ROE) | 7.6124% | 3,470 |
| Retained earnings to average equity (ytd only) | 1.3128% | 4,488 |
| Net charge-offs to loans | -0.0797% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0598% | 1,007 |
| Assets per employee ($millions) | 3.9328% | 3,980 |
| Cash dividends to net income (ytd only)* | 82.7556% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 883 |
| Loan loss allowance to noncurrent loans | 119.1927% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 1,855 |
| Noncurrent loans to loans | 1.3913% | 1,100 |
| Net loans and leases to total assets | 52.4399% | 4,289 |
| Net loans and leases to deposits | 58.2838% | 4,463 |
| Net loans and leases to core deposits | 59.2112% | 4,560 |
| Total domestic deposits to total assets | 89.9733% | 292 |
| Equity capital to assets | 9.8509% | 4,158 |
| Core capital (leverage) ratio | 10.1673% | 3,459 |
| Tier 1 risk-based capital ratio | 18.7512% | 1,623 |
| Total risk-based capital ratio | 20.0065% | 1,588 |
| Memoranda: | ||
| Average total assets | $166,465,250 | 3,171 |
| Average earning assets | $158,602,250 | 3,125 |
| Average equity | $17,164,500 | 3,443 |
| Average total loans | $95,387,750 | 3,329 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 4,525 |
| Cost of funding earning assets | 0.3877% | 4,555 |
| Net interest margin | 3.5268% | 3,513 |
| Noninterest income to average assets | 0.4259% | 3,094 |
| Noninterest expense to average assets | 2.9799% | 2,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8063% | 3,628 |
| Return on assets (ROA) | 0.8063% | 3,686 |
| Pretax return on assets | 0.8063% | 4,073 |
| Return on Equity (ROE) | 7.6956% | 3,421 |
| Retained earnings to average equity (ytd only) | -0.3514% | 4,741 |
| Net charge-offs to loans | 0.0376% | 2,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 1,305 |
| Efficiency ratio | 78.7034% | 1,076 |
| Assets per employee ($millions) | 3.8135% | 4,104 |
| Cash dividends to net income (ytd only)* | 104.5662% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 1,032 |
| Loan loss allowance to noncurrent loans | 126.8085% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 1,958 |
| Noncurrent loans to loans | 1.2599% | 1,261 |
| Net loans and leases to total assets | 54.6939% | 4,166 |
| Net loans and leases to deposits | 61.1237% | 4,370 |
| Net loans and leases to core deposits | 62.0662% | 4,499 |
| Total domestic deposits to total assets | 89.4806% | 485 |
| Equity capital to assets | 10.2483% | 3,747 |
| Core capital (leverage) ratio | 10.5358% | 3,048 |
| Tier 1 risk-based capital ratio | 19.6098% | 1,418 |
| Total risk-based capital ratio | 20.8655% | 1,394 |
| Memoranda: | ||
| Average total assets | $162,961,000 | 3,226 |
| Average earning assets | $155,269,670 | 3,176 |
| Average equity | $17,074,670 | 3,459 |
| Average total loans | $95,726,330 | 3,343 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 4,660 |
| Cost of funding earning assets | 0.3529% | 4,671 |
| Net interest margin | 3.4768% | 3,658 |
| Noninterest income to average assets | 0.4136% | 3,084 |
| Noninterest expense to average assets | 2.9923% | 2,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7350% | 3,823 |
| Return on assets (ROA) | 0.7350% | 3,877 |
| Pretax return on assets | 0.7350% | 4,206 |
| Return on Equity (ROE) | 6.9355% | 3,707 |
| Retained earnings to average equity (ytd only) | 2.9388% | 3,762 |
| Net charge-offs to loans | -0.0495% | 4,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2807% | 1,036 |
| Assets per employee ($millions) | 3.8162% | 4,162 |
| Cash dividends to net income (ytd only)* | 57.6271% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 1,080 |
| Loan loss allowance to noncurrent loans | 131.9722% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 1,955 |
| Noncurrent loans to loans | 1.2050% | 1,369 |
| Net loans and leases to total assets | 58.6479% | 3,818 |
| Net loans and leases to deposits | 65.8596% | 4,062 |
| Net loans and leases to core deposits | 66.9435% | 4,236 |
| Total domestic deposits to total assets | 89.0499% | 834 |
| Equity capital to assets | 10.6949% | 3,168 |
| Core capital (leverage) ratio | 10.6828% | 2,864 |
| Tier 1 risk-based capital ratio | 19.4848% | 1,442 |
| Total risk-based capital ratio | 20.7405% | 1,416 |
| Memoranda: | ||
| Average total assets | $160,544,500 | 3,290 |
| Average earning assets | $153,012,500 | 3,236 |
| Average equity | $17,014,000 | 3,474 |
| Average total loans | $96,958,000 | 3,366 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8544% | 4,382 |
| Cost of funding earning assets | 0.1832% | 5,067 |
| Net interest margin | 3.6713% | 3,156 |
| Noninterest income to average assets | 0.4198% | 3,313 |
| Noninterest expense to average assets | 2.9239% | 2,265 |
| Loan and lease loss provision to assets | -0.1871% | 5,327 |
| Net operating income to assets | 1.1840% | 2,246 |
| Return on assets (ROA) | 1.0568% | 2,760 |
| Pretax return on assets | 1.0568% | 3,420 |
| Return on Equity (ROE) | 10.4153% | 2,339 |
| Retained earnings to average equity (ytd only) | 3.9841% | 3,383 |
| Net charge-offs to loans | -0.0675% | 5,055 |
| Credit loss provision to net charge-offs | 476.1905% | 716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5744% | 1,553 |
| Assets per employee ($millions) | 3.8287% | 4,138 |
| Cash dividends to net income (ytd only)* | 61.7473% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 1,195 |
| Loan loss allowance to noncurrent loans | 10,046.6667% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 4,860 |
| Noncurrent loans to loans | 0.0152% | 4,729 |
| Net loans and leases to total assets | 60.2511% | 3,747 |
| Net loans and leases to deposits | 67.5286% | 4,007 |
| Net loans and leases to core deposits | 70.9075% | 4,066 |
| Total domestic deposits to total assets | 89.2231% | 764 |
| Equity capital to assets | 10.5008% | 3,189 |
| Core capital (leverage) ratio | 10.5480% | 2,969 |
| Tier 1 risk-based capital ratio | 18.8581% | 1,541 |
| Total risk-based capital ratio | 20.1132% | 1,506 |
| Memoranda: | ||
| Average total assets | $160,301,000 | 3,277 |
| Average earning assets | $152,863,400 | 3,215 |
| Average equity | $16,264,600 | 3,492 |
| Average total loans | $93,265,400 | 3,418 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 4,499 |
| Cost of funding earning assets | 0.1606% | 5,187 |
| Net interest margin | 3.6127% | 3,324 |
| Noninterest income to average assets | 0.3979% | 3,495 |
| Noninterest expense to average assets | 2.9342% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9090% | 3,487 |
| Return on assets (ROA) | 0.9082% | 3,494 |
| Pretax return on assets | 0.9082% | 3,995 |
| Return on Equity (ROE) | 9.0298% | 3,065 |
| Retained earnings to average equity (ytd only) | 2.3174% | 4,465 |
| Net charge-offs to loans | -0.0826% | 5,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3483% | 1,306 |
| Assets per employee ($millions) | 4.0095% | 3,869 |
| Cash dividends to net income (ytd only)* | 74.3357% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8929% | 604 |
| Loan loss allowance to noncurrent loans | 10,011.1111% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,959 |
| Noncurrent loans to loans | 0.0189% | 4,828 |
| Net loans and leases to total assets | 56.8121% | 4,152 |
| Net loans and leases to deposits | 63.1890% | 4,375 |
| Net loans and leases to core deposits | 68.6090% | 4,273 |
| Total domestic deposits to total assets | 89.9082% | 539 |
| Equity capital to assets | 9.8363% | 3,794 |
| Core capital (leverage) ratio | 10.3238% | 3,265 |
| Tier 1 risk-based capital ratio | 17.7976% | 1,842 |
| Total risk-based capital ratio | 19.0550% | 1,803 |
| Memoranda: | ||
| Average total assets | $160,174,500 | 3,298 |
| Average earning assets | $152,753,750 | 3,244 |
| Average equity | $16,109,250 | 3,533 |
| Average total loans | $91,983,000 | 3,462 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7431% | 4,482 |
| Cost of funding earning assets | 0.1386% | 5,288 |
| Net interest margin | 3.6045% | 3,291 |
| Noninterest income to average assets | 0.3880% | 3,570 |
| Noninterest expense to average assets | 2.9527% | 2,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8755% | 3,558 |
| Return on assets (ROA) | 0.8742% | 3,573 |
| Pretax return on assets | 0.8742% | 4,040 |
| Return on Equity (ROE) | 8.6270% | 3,203 |
| Retained earnings to average equity (ytd only) | 1.6533% | 4,584 |
| Net charge-offs to loans | -0.0814% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1306% | 1,295 |
| Assets per employee ($millions) | 3.8047% | 4,202 |
| Cash dividends to net income (ytd only)* | 80.8357% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9247% | 606 |
| Loan loss allowance to noncurrent loans | 8,100.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 4,971 |
| Noncurrent loans to loans | 0.0238% | 4,824 |
| Net loans and leases to total assets | 55.5024% | 4,201 |
| Net loans and leases to deposits | 61.7191% | 4,436 |
| Net loans and leases to core deposits | 67.2515% | 4,297 |
| Total domestic deposits to total assets | 89.9274% | 593 |
| Equity capital to assets | 9.8141% | 3,811 |
| Core capital (leverage) ratio | 10.3827% | 3,155 |
| Tier 1 risk-based capital ratio | 18.2155% | 1,748 |
| Total risk-based capital ratio | 19.4732% | 1,700 |
| Memoranda: | ||
| Average total assets | $158,769,000 | 3,333 |
| Average earning assets | $151,534,000 | 3,273 |
| Average equity | $16,089,000 | 3,552 |
| Average total loans | $90,912,000 | 3,497 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6987% | 4,470 |
| Cost of funding earning assets | 0.1018% | 5,461 |
| Net interest margin | 3.5969% | 3,193 |
| Noninterest income to average assets | 0.3991% | 3,477 |
| Noninterest expense to average assets | 2.9728% | 2,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8596% | 3,458 |
| Return on assets (ROA) | 0.8570% | 3,482 |
| Pretax return on assets | 0.8570% | 3,992 |
| Return on Equity (ROE) | 8.3201% | 3,234 |
| Retained earnings to average equity (ytd only) | -1.8876% | 4,998 |
| Net charge-offs to loans | -0.0222% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5701% | 1,397 |
| Assets per employee ($millions) | 3.8461% | 4,219 |
| Cash dividends to net income (ytd only)* | 122.6866% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8915% | 668 |
| Loan loss allowance to noncurrent loans | 641.0256% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 4,119 |
| Noncurrent loans to loans | 0.2951% | 3,710 |
| Net loans and leases to total assets | 57.5597% | 3,985 |
| Net loans and leases to deposits | 65.0888% | 4,147 |
| Net loans and leases to core deposits | 69.7886% | 4,093 |
| Total domestic deposits to total assets | 88.4325% | 1,391 |
| Equity capital to assets | 10.0823% | 3,520 |
| Core capital (leverage) ratio | 10.5209% | 2,923 |
| Tier 1 risk-based capital ratio | 18.8651% | 1,587 |
| Total risk-based capital ratio | 20.1235% | 1,544 |
| Memoranda: | ||
| Average total assets | $156,352,500 | 3,401 |
| Average earning assets | $149,241,500 | 3,339 |
| Average equity | $16,105,500 | 3,576 |
| Average total loans | $90,075,500 | 3,540 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6394% | 4,479 |
| Cost of funding earning assets | 0.0763% | 5,558 |
| Net interest margin | 3.5631% | 3,295 |
| Noninterest income to average assets | 0.3369% | 4,059 |
| Noninterest expense to average assets | 2.8556% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8707% | 2,862 |
| Return on assets (ROA) | 0.8707% | 2,884 |
| Pretax return on assets | 0.8707% | 4,012 |
| Return on Equity (ROE) | 8.5010% | 2,540 |
| Retained earnings to average equity (ytd only) | 1.3183% | 4,489 |
| Net charge-offs to loans | -0.0905% | 5,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6339% | 1,529 |
| Assets per employee ($millions) | 3.5230% | 4,666 |
| Cash dividends to net income (ytd only)* | 84.4928% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9912% | 548 |
| Loan loss allowance to noncurrent loans | 2,566.1765% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 4,784 |
| Noncurrent loans to loans | 0.0776% | 4,649 |
| Net loans and leases to total assets | 55.4076% | 4,237 |
| Net loans and leases to deposits | 62.5266% | 4,408 |
| Net loans and leases to core deposits | 68.4211% | 4,268 |
| Total domestic deposits to total assets | 88.6145% | 1,187 |
| Equity capital to assets | 10.5230% | 3,148 |
| Core capital (leverage) ratio | 10.2149% | 3,173 |
| Tier 1 risk-based capital ratio | 19.9764% | 1,326 |
| Total risk-based capital ratio | 21.2360% | 1,289 |
| Memoranda: | ||
| Average total assets | $158,497,000 | 3,368 |
| Average earning assets | $150,767,200 | 3,316 |
| Average equity | $16,233,400 | 3,564 |
| Average total loans | $86,190,400 | 3,607 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6099% | 4,533 |
| Cost of funding earning assets | 0.0722% | 5,634 |
| Net interest margin | 3.5377% | 3,358 |
| Noninterest income to average assets | 0.3338% | 4,150 |
| Noninterest expense to average assets | 2.8370% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8575% | 3,245 |
| Return on assets (ROA) | 0.8575% | 3,292 |
| Pretax return on assets | 0.8575% | 4,191 |
| Return on Equity (ROE) | 8.4288% | 2,916 |
| Retained earnings to average equity (ytd only) | -0.3372% | 5,263 |
| Net charge-offs to loans | -0.1476% | 5,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7889% | 1,487 |
| Assets per employee ($millions) | 4.0197% | 3,959 |
| Cash dividends to net income (ytd only)* | 104.0004% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0291% | 546 |
| Loan loss allowance to noncurrent loans | 629.2857% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 4,334 |
| Noncurrent loans to loans | 0.3225% | 3,793 |
| Net loans and leases to total assets | 51.6195% | 4,601 |
| Net loans and leases to deposits | 57.4569% | 4,791 |
| Net loans and leases to core deposits | 63.5309% | 4,625 |
| Total domestic deposits to total assets | 89.8403% | 530 |
| Equity capital to assets | 9.9158% | 4,019 |
| Core capital (leverage) ratio | 9.9813% | 3,589 |
| Tier 1 risk-based capital ratio | 20.2522% | 1,314 |
| Total risk-based capital ratio | 21.5143% | 1,283 |
| Memoranda: | ||
| Average total assets | $159,368,000 | 3,384 |
| Average earning assets | $151,396,250 | 3,338 |
| Average equity | $16,213,750 | 3,602 |
| Average total loans | $85,829,500 | 3,641 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 4,403 |
| Cost of funding earning assets | 0.0696% | 5,684 |
| Net interest margin | 3.5680% | 3,154 |
| Noninterest income to average assets | 0.3300% | 4,183 |
| Noninterest expense to average assets | 2.8473% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8683% | 3,080 |
| Return on assets (ROA) | 0.8683% | 3,131 |
| Pretax return on assets | 0.8683% | 4,046 |
| Return on Equity (ROE) | 8.4596% | 2,798 |
| Retained earnings to average equity (ytd only) | -2.1767% | 5,362 |
| Net charge-offs to loans | -0.2176% | 5,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6314% | 1,627 |
| Assets per employee ($millions) | 3.9377% | 4,069 |
| Cash dividends to net income (ytd only)* | 125.7310% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0587% | 541 |
| Loan loss allowance to noncurrent loans | 1,872.3404% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 4,869 |
| Noncurrent loans to loans | 0.1100% | 4,680 |
| Net loans and leases to total assets | 51.8641% | 4,583 |
| Net loans and leases to deposits | 57.8292% | 4,759 |
| Net loans and leases to core deposits | 63.5065% | 4,640 |
| Total domestic deposits to total assets | 89.6850% | 652 |
| Equity capital to assets | 10.0430% | 3,860 |
| Core capital (leverage) ratio | 10.2539% | 3,197 |
| Tier 1 risk-based capital ratio | 20.1942% | 1,327 |
| Total risk-based capital ratio | 21.4558% | 1,298 |
| Memoranda: | ||
| Average total assets | $157,554,670 | 3,421 |
| Average earning assets | $149,494,000 | 3,379 |
| Average equity | $16,171,000 | 3,620 |
| Average total loans | $85,494,330 | 3,667 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 4,232 |
| Cost of funding earning assets | 0.0704% | 5,744 |
| Net interest margin | 3.5911% | 2,919 |
| Noninterest income to average assets | 0.3367% | 4,153 |
| Noninterest expense to average assets | 2.8636% | 2,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8843% | 2,838 |
| Return on assets (ROA) | 0.8843% | 2,889 |
| Pretax return on assets | 0.8843% | 3,823 |
| Return on Equity (ROE) | 8.5204% | 2,667 |
| Retained earnings to average equity (ytd only) | -5.4739% | 5,416 |
| Net charge-offs to loans | -0.0281% | 4,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4060% | 1,852 |
| Assets per employee ($millions) | 3.7634% | 4,394 |
| Cash dividends to net income (ytd only)* | 164.2442% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9639% | 716 |
| Loan loss allowance to noncurrent loans | 619.6296% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 4,462 |
| Noncurrent loans to loans | 0.3169% | 3,987 |
| Net loans and leases to total assets | 52.8378% | 4,440 |
| Net loans and leases to deposits | 58.9844% | 4,633 |
| Net loans and leases to core deposits | 62.2585% | 4,637 |
| Total domestic deposits to total assets | 89.5793% | 860 |
| Equity capital to assets | 10.1809% | 3,529 |
| Core capital (leverage) ratio | 10.2840% | 3,137 |
| Tier 1 risk-based capital ratio | 20.2024% | 1,349 |
| Total risk-based capital ratio | 21.4629% | 1,322 |
| Memoranda: | ||
| Average total assets | $155,609,500 | 3,480 |
| Average earning assets | $147,809,500 | 3,427 |
| Average equity | $16,149,500 | 3,644 |
| Average total loans | $85,495,500 | 3,699 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 4,265 |
| Cost of funding earning assets | 0.0727% | 5,799 |
| Net interest margin | 3.6099% | 3,040 |
| Noninterest income to average assets | 0.8937% | 1,432 |
| Noninterest expense to average assets | 2.9290% | 2,564 |
| Loan and lease loss provision to assets | 0.0649% | 3,074 |
| Net operating income to assets | 1.3149% | 1,181 |
| Return on assets (ROA) | 1.3181% | 1,227 |
| Pretax return on assets | 1.3181% | 2,219 |
| Return on Equity (ROE) | 12.8142% | 1,040 |
| Retained earnings to average equity (ytd only) | 6.6563% | 1,381 |
| Net charge-offs to loans | 0.0443% | 3,149 |
| Credit loss provision to net charge-offs | 277.7778% | 1,048 |
| Earnings coverage of net charge-offs (x) | 59.0556% | 905 |
| Efficiency ratio | 67.9771% | 3,234 |
| Assets per employee ($millions) | 3.8290% | 4,254 |
| Cash dividends to net income (ytd only)* | 48.0551% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9428% | 738 |
| Loan loss allowance to noncurrent loans | 1,323.0159% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 4,886 |
| Noncurrent loans to loans | 0.1468% | 4,647 |
| Net loans and leases to total assets | 54.9335% | 4,353 |
| Net loans and leases to deposits | 61.5828% | 4,570 |
| Net loans and leases to core deposits | 66.2840% | 4,510 |
| Total domestic deposits to total assets | 89.2027% | 1,011 |
| Equity capital to assets | 10.5819% | 3,063 |
| Core capital (leverage) ratio | 10.3174% | 3,085 |
| Tier 1 risk-based capital ratio | 20.4457% | 1,293 |
| Total risk-based capital ratio | 21.7066% | 1,266 |
| Memoranda: | ||
| Average total assets | $154,081,600 | 3,457 |
| Average earning assets | $145,766,200 | 3,424 |
| Average equity | $15,849,600 | 3,713 |
| Average total loans | $81,196,800 | 3,778 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6206% | 4,491 |
| Cost of funding earning assets | 0.0722% | 5,865 |
| Net interest margin | 3.5484% | 3,278 |
| Noninterest income to average assets | 0.3491% | 4,290 |
| Noninterest expense to average assets | 2.8928% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8113% | 3,317 |
| Return on assets (ROA) | 0.8122% | 3,448 |
| Pretax return on assets | 0.8122% | 4,271 |
| Return on Equity (ROE) | 7.9523% | 3,035 |
| Retained earnings to average equity (ytd only) | 2.6649% | 4,314 |
| Net charge-offs to loans | 0.0400% | 2,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 39.1241% | 1,264 |
| Efficiency ratio | 78.0966% | 1,681 |
| Assets per employee ($millions) | 3.8510% | 4,213 |
| Cash dividends to net income (ytd only)* | 66.4893% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 942 |
| Loan loss allowance to noncurrent loans | 375.9524% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 2,853 |
| Noncurrent loans to loans | 0.4893% | 3,535 |
| Net loans and leases to total assets | 53.3663% | 4,548 |
| Net loans and leases to deposits | 59.5658% | 4,788 |
| Net loans and leases to core deposits | 66.8099% | 4,554 |
| Total domestic deposits to total assets | 89.5921% | 627 |
| Equity capital to assets | 10.1431% | 3,991 |
| Core capital (leverage) ratio | 9.9978% | 3,572 |
| Tier 1 risk-based capital ratio | 19.5406% | 1,540 |
| Total risk-based capital ratio | 20.7995% | 1,505 |
| Memoranda: | ||
| Average total assets | $154,312,500 | 3,475 |
| Average earning assets | $145,900,750 | 3,437 |
| Average equity | $15,760,250 | 3,754 |
| Average total loans | $80,045,500 | 3,823 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5556% | 4,721 |
| Cost of funding earning assets | 0.0705% | 5,952 |
| Net interest margin | 3.4851% | 3,540 |
| Noninterest income to average assets | 0.3514% | 4,265 |
| Noninterest expense to average assets | 2.8474% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7955% | 3,328 |
| Return on assets (ROA) | 0.7968% | 3,466 |
| Pretax return on assets | 0.7968% | 4,291 |
| Return on Equity (ROE) | 7.7829% | 3,095 |
| Retained earnings to average equity (ytd only) | 2.4242% | 4,342 |
| Net charge-offs to loans | 0.0026% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 609.0000% | 103 |
| Efficiency ratio | 78.1642% | 1,759 |
| Assets per employee ($millions) | 3.9018% | 4,093 |
| Cash dividends to net income (ytd only)* | 68.8525% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 745 |
| Loan loss allowance to noncurrent loans | 410.7692% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 2,970 |
| Noncurrent loans to loans | 0.4856% | 3,635 |
| Net loans and leases to total assets | 50.4315% | 4,814 |
| Net loans and leases to deposits | 56.3103% | 4,992 |
| Net loans and leases to core deposits | 60.8377% | 4,944 |
| Total domestic deposits to total assets | 89.5600% | 653 |
| Equity capital to assets | 10.2350% | 3,931 |
| Core capital (leverage) ratio | 9.9995% | 3,564 |
| Tier 1 risk-based capital ratio | 20.2331% | 1,404 |
| Total risk-based capital ratio | 21.4933% | 1,373 |
| Memoranda: | ||
| Average total assets | $153,120,000 | 3,508 |
| Average earning assets | $144,617,000 | 3,471 |
| Average equity | $15,675,330 | 3,782 |
| Average total loans | $78,114,330 | 3,898 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5210% | 4,844 |
| Cost of funding earning assets | 0.0698% | 6,014 |
| Net interest margin | 3.4512% | 3,663 |
| Noninterest income to average assets | 0.3535% | 4,201 |
| Noninterest expense to average assets | 2.9174% | 2,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6964% | 3,732 |
| Return on assets (ROA) | 0.6964% | 3,845 |
| Pretax return on assets | 0.6964% | 4,543 |
| Return on Equity (ROE) | 6.8015% | 3,556 |
| Retained earnings to average equity (ytd only) | 2.0868% | 4,419 |
| Net charge-offs to loans | 0.0208% | 2,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 727 |
| Efficiency ratio | 80.7299% | 1,520 |
| Assets per employee ($millions) | 4.0433% | 3,873 |
| Cash dividends to net income (ytd only)* | 69.3182% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 764 |
| Loan loss allowance to noncurrent loans | 391.9118% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 2,971 |
| Noncurrent loans to loans | 0.5219% | 3,621 |
| Net loans and leases to total assets | 49.8383% | 4,818 |
| Net loans and leases to deposits | 56.0403% | 4,984 |
| Net loans and leases to core deposits | 59.3468% | 4,979 |
| Total domestic deposits to total assets | 88.9329% | 1,139 |
| Equity capital to assets | 10.2327% | 3,814 |
| Core capital (leverage) ratio | 10.0864% | 3,435 |
| Tier 1 risk-based capital ratio | 21.0795% | 1,309 |
| Total risk-based capital ratio | 22.3411% | 1,276 |
| Memoranda: | ||
| Average total assets | $151,643,500 | 3,562 |
| Average earning assets | $143,256,500 | 3,507 |
| Average equity | $15,526,000 | 3,807 |
| Average total loans | $77,015,500 | 3,941 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4099% | 5,135 |
| Cost of funding earning assets | 0.0724% | 6,059 |
| Net interest margin | 3.3375% | 4,160 |
| Noninterest income to average assets | 0.3831% | 4,162 |
| Noninterest expense to average assets | 2.8805% | 2,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6304% | 4,138 |
| Return on assets (ROA) | 0.6519% | 4,127 |
| Pretax return on assets | 0.6519% | 4,673 |
| Return on Equity (ROE) | 6.4042% | 3,838 |
| Retained earnings to average equity (ytd only) | 2.5221% | 4,276 |
| Net charge-offs to loans | 0.0734% | 2,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 18.3922% | 2,014 |
| Efficiency ratio | 82.0444% | 1,407 |
| Assets per employee ($millions) | 4.0444% | 3,854 |
| Cash dividends to net income (ytd only)* | 60.6186% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 676 |
| Loan loss allowance to noncurrent loans | 259.8055% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 2,524 |
| Noncurrent loans to loans | 0.8134% | 2,750 |
| Net loans and leases to total assets | 49.6218% | 4,903 |
| Net loans and leases to deposits | 55.3753% | 5,081 |
| Net loans and leases to core deposits | 60.0978% | 4,978 |
| Total domestic deposits to total assets | 89.6099% | 795 |
| Equity capital to assets | 10.2445% | 3,688 |
| Core capital (leverage) ratio | 9.9088% | 3,629 |
| Tier 1 risk-based capital ratio | 21.7083% | 1,189 |
| Total risk-based capital ratio | 22.9715% | 1,165 |
| Memoranda: | ||
| Average total assets | $148,796,000 | 3,588 |
| Average earning assets | $139,446,600 | 3,543 |
| Average equity | $15,146,400 | 3,819 |
| Average total loans | $69,487,400 | 4,104 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3649% | 5,287 |
| Cost of funding earning assets | 0.0719% | 6,145 |
| Net interest margin | 3.2930% | 4,380 |
| Noninterest income to average assets | 0.3841% | 4,193 |
| Noninterest expense to average assets | 2.9163% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5483% | 4,599 |
| Return on assets (ROA) | 0.5617% | 4,643 |
| Pretax return on assets | 0.5617% | 5,063 |
| Return on Equity (ROE) | 5.5273% | 4,389 |
| Retained earnings to average equity (ytd only) | 1.2273% | 5,233 |
| Net charge-offs to loans | 0.0471% | 2,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 25.4578% | 1,665 |
| Efficiency ratio | 84.1751% | 1,150 |
| Assets per employee ($millions) | 4.0431% | 3,815 |
| Cash dividends to net income (ytd only)* | 77.7955% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2566% | 607 |
| Loan loss allowance to noncurrent loans | 213.3508% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 2,331 |
| Noncurrent loans to loans | 1.0577% | 2,365 |
| Net loans and leases to total assets | 45.9534% | 5,232 |
| Net loans and leases to deposits | 51.1175% | 5,412 |
| Net loans and leases to core deposits | 55.8349% | 5,315 |
| Total domestic deposits to total assets | 89.8976% | 616 |
| Equity capital to assets | 9.8824% | 4,298 |
| Core capital (leverage) ratio | 9.8253% | 3,873 |
| Tier 1 risk-based capital ratio | 21.4092% | 1,275 |
| Total risk-based capital ratio | 22.6725% | 1,256 |
| Memoranda: | ||
| Average total assets | $148,584,500 | 3,621 |
| Average earning assets | $138,999,250 | 3,588 |
| Average equity | $15,100,500 | 3,856 |
| Average total loans | $67,894,750 | 4,183 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3674% | 5,300 |
| Cost of funding earning assets | 0.0715% | 6,217 |
| Net interest margin | 3.2959% | 4,315 |
| Noninterest income to average assets | 0.3839% | 4,204 |
| Noninterest expense to average assets | 2.9884% | 2,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4711% | 4,886 |
| Return on assets (ROA) | 0.4915% | 4,910 |
| Pretax return on assets | 0.4915% | 5,250 |
| Return on Equity (ROE) | 4.7900% | 4,708 |
| Retained earnings to average equity (ytd only) | 0.9155% | 5,201 |
| Net charge-offs to loans | 0.0542% | 2,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.2222% | 1,758 |
| Efficiency ratio | 86.3833% | 1,030 |
| Assets per employee ($millions) | 3.6817% | 4,464 |
| Cash dividends to net income (ytd only)* | 80.8864% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3223% | 620 |
| Loan loss allowance to noncurrent loans | 236.7583% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 2,741 |
| Noncurrent loans to loans | 0.9809% | 2,680 |
| Net loans and leases to total assets | 45.5846% | 5,283 |
| Net loans and leases to deposits | 50.7943% | 5,459 |
| Net loans and leases to core deposits | 54.7136% | 5,383 |
| Total domestic deposits to total assets | 89.7436% | 768 |
| Equity capital to assets | 10.0126% | 4,024 |
| Core capital (leverage) ratio | 10.1385% | 3,415 |
| Tier 1 risk-based capital ratio | 22.0427% | 1,206 |
| Total risk-based capital ratio | 23.3080% | 1,180 |
| Memoranda: | ||
| Average total assets | $146,900,670 | 3,679 |
| Average earning assets | $137,080,670 | 3,639 |
| Average equity | $15,073,000 | 3,875 |
| Average total loans | $66,449,330 | 4,258 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3298% | 5,376 |
| Cost of funding earning assets | 0.0710% | 6,292 |
| Net interest margin | 3.2587% | 4,387 |
| Noninterest income to average assets | 0.3755% | 4,198 |
| Noninterest expense to average assets | 2.9598% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4556% | 4,847 |
| Return on assets (ROA) | 0.4556% | 4,961 |
| Pretax return on assets | 0.4556% | 5,297 |
| Return on Equity (ROE) | 4.3847% | 4,808 |
| Retained earnings to average equity (ytd only) | -0.8769% | 5,530 |
| Net charge-offs to loans | -0.0124% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6613% | 1,119 |
| Assets per employee ($millions) | 3.8491% | 4,250 |
| Cash dividends to net income (ytd only)* | 120.0000% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5423% | 503 |
| Loan loss allowance to noncurrent loans | 217.6084% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9749% | 2,669 |
| Noncurrent loans to loans | 1.1683% | 2,436 |
| Net loans and leases to total assets | 43.4008% | 5,394 |
| Net loans and leases to deposits | 48.5236% | 5,545 |
| Net loans and leases to core deposits | 50.8560% | 5,551 |
| Total domestic deposits to total assets | 89.4426% | 1,025 |
| Equity capital to assets | 10.3188% | 3,755 |
| Core capital (leverage) ratio | 10.1631% | 3,385 |
| Tier 1 risk-based capital ratio | 22.9655% | 1,106 |
| Total risk-based capital ratio | 24.2321% | 1,088 |
| Memoranda: | ||
| Average total assets | $144,876,000 | 3,730 |
| Average earning assets | $135,145,000 | 3,701 |
| Average equity | $15,052,500 | 3,906 |
| Average total loans | $64,451,000 | 4,350 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3257% | 5,667 |
| Cost of funding earning assets | 0.0787% | 6,373 |
| Net interest margin | 3.2470% | 4,764 |
| Noninterest income to average assets | 0.4076% | 4,126 |
| Noninterest expense to average assets | 2.8154% | 3,421 |
| Loan and lease loss provision to assets | 0.0672% | 3,148 |
| Net operating income to assets | 0.5263% | 4,696 |
| Return on assets (ROA) | 0.5448% | 4,704 |
| Pretax return on assets | 0.5448% | 5,121 |
| Return on Equity (ROE) | 5.3915% | 4,464 |
| Retained earnings to average equity (ytd only) | 3.4767% | 3,735 |
| Net charge-offs to loans | -0.0447% | 5,892 |
| Credit loss provision to net charge-offs | -350.0000% | 5,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5886% | 1,587 |
| Assets per employee ($millions) | 3.6791% | 4,569 |
| Cash dividends to net income (ytd only)* | 35.5164% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5939% | 489 |
| Loan loss allowance to noncurrent loans | 232.6301% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.9590% | 2,841 |
| Noncurrent loans to loans | 1.1150% | 2,607 |
| Net loans and leases to total assets | 43.2875% | 5,514 |
| Net loans and leases to deposits | 48.4285% | 5,661 |
| Net loans and leases to core deposits | 51.3819% | 5,642 |
| Total domestic deposits to total assets | 89.3843% | 1,028 |
| Equity capital to assets | 10.4624% | 3,535 |
| Core capital (leverage) ratio | 10.0631% | 3,480 |
| Tier 1 risk-based capital ratio | 21.4067% | 1,324 |
| Total risk-based capital ratio | 22.6715% | 1,298 |
| Memoranda: | ||
| Average total assets | $145,735,400 | 3,694 |
| Average earning assets | $134,708,200 | 3,683 |
| Average equity | $14,726,800 | 3,892 |
| Average total loans | $62,583,200 | 4,408 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2989% | 5,773 |
| Cost of funding earning assets | 0.0790% | 6,456 |
| Net interest margin | 3.2199% | 4,895 |
| Noninterest income to average assets | 0.3910% | 4,316 |
| Noninterest expense to average assets | 2.8270% | 3,362 |
| Loan and lease loss provision to assets | 0.0893% | 2,572 |
| Net operating income to assets | 0.4457% | 5,092 |
| Return on assets (ROA) | 0.4648% | 5,095 |
| Pretax return on assets | 0.4648% | 5,421 |
| Return on Equity (ROE) | 4.6398% | 4,884 |
| Retained earnings to average equity (ytd only) | 2.0742% | 5,013 |
| Net charge-offs to loans | 0.0064% | 4,478 |
| Credit loss provision to net charge-offs | 3,266.6667% | 116 |
| Earnings coverage of net charge-offs (x) | 195.6625% | 327 |
| Efficiency ratio | 84.0878% | 1,380 |
| Assets per employee ($millions) | 3.9270% | 4,029 |
| Cash dividends to net income (ytd only)* | 55.2943% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5920% | 582 |
| Loan loss allowance to noncurrent loans | 373.9631% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 3,538 |
| Noncurrent loans to loans | 0.6931% | 3,879 |
| Net loans and leases to total assets | 40.8732% | 5,760 |
| Net loans and leases to deposits | 45.4463% | 5,904 |
| Net loans and leases to core deposits | 50.2128% | 5,776 |
| Total domestic deposits to total assets | 89.9373% | 764 |
| Equity capital to assets | 9.8100% | 4,409 |
| Core capital (leverage) ratio | 9.7710% | 3,969 |
| Tier 1 risk-based capital ratio | 21.7332% | 1,302 |
| Total risk-based capital ratio | 22.9975% | 1,284 |
| Memoranda: | ||
| Average total assets | $146,298,000 | 3,724 |
| Average earning assets | $134,992,500 | 3,707 |
| Average equity | $14,655,500 | 3,918 |
| Average total loans | $62,287,750 | 4,452 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2862% | 5,818 |
| Cost of funding earning assets | 0.0791% | 6,523 |
| Net interest margin | 3.2070% | 4,922 |
| Noninterest income to average assets | 0.3964% | 4,268 |
| Noninterest expense to average assets | 2.8103% | 3,461 |
| Loan and lease loss provision to assets | 0.1239% | 1,992 |
| Net operating income to assets | 0.4184% | 5,144 |
| Return on assets (ROA) | 0.4473% | 5,105 |
| Pretax return on assets | 0.4473% | 5,430 |
| Return on Equity (ROE) | 4.4335% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.3695% | 4,058 |
| Net charge-offs to loans | 0.1029% | 2,650 |
| Credit loss provision to net charge-offs | 281.2500% | 905 |
| Earnings coverage of net charge-offs (x) | 12.3125% | 2,071 |
| Efficiency ratio | 83.8259% | 1,538 |
| Assets per employee ($millions) | 3.8346% | 4,188 |
| Cash dividends to net income (ytd only)* | 24.0000% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5926% | 621 |
| Loan loss allowance to noncurrent loans | 237.4251% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9629% | 3,135 |
| Noncurrent loans to loans | 1.0919% | 3,048 |
| Net loans and leases to total assets | 39.8455% | 5,831 |
| Net loans and leases to deposits | 44.3044% | 5,967 |
| Net loans and leases to core deposits | 48.1874% | 5,892 |
| Total domestic deposits to total assets | 89.9358% | 844 |
| Equity capital to assets | 9.8482% | 4,293 |
| Core capital (leverage) ratio | 9.9835% | 3,640 |
| Tier 1 risk-based capital ratio | 22.1197% | 1,243 |
| Total risk-based capital ratio | 23.3834% | 1,220 |
| Memoranda: | ||
| Average total assets | $145,322,330 | 3,756 |
| Average earning assets | $133,955,000 | 3,744 |
| Average equity | $14,661,000 | 3,915 |
| Average total loans | $62,178,330 | 4,477 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3452% | 5,760 |
| Cost of funding earning assets | 0.0791% | 6,606 |
| Net interest margin | 3.2661% | 4,683 |
| Noninterest income to average assets | 0.3882% | 4,290 |
| Noninterest expense to average assets | 2.8490% | 3,385 |
| Loan and lease loss provision to assets | 0.1257% | 1,928 |
| Net operating income to assets | 0.4106% | 5,079 |
| Return on assets (ROA) | 0.4106% | 5,144 |
| Pretax return on assets | 0.4106% | 5,421 |
| Return on Equity (ROE) | 4.0198% | 5,027 |
| Retained earnings to average equity (ytd only) | 2.6525% | 4,486 |
| Net charge-offs to loans | 0.1468% | 1,837 |
| Credit loss provision to net charge-offs | 195.6522% | 1,065 |
| Earnings coverage of net charge-offs (x) | 8.3478% | 2,035 |
| Efficiency ratio | 84.1584% | 1,650 |
| Assets per employee ($millions) | 3.7589% | 4,403 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4843% | 820 |
| Loan loss allowance to noncurrent loans | 115.0705% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 3,132 |
| Noncurrent loans to loans | 2.1589% | 1,691 |
| Net loans and leases to total assets | 41.5036% | 5,706 |
| Net loans and leases to deposits | 46.2382% | 5,836 |
| Net loans and leases to core deposits | 49.0657% | 5,825 |
| Total domestic deposits to total assets | 89.7604% | 1,199 |
| Equity capital to assets | 10.0023% | 3,840 |
| Core capital (leverage) ratio | 9.9107% | 3,694 |
| Tier 1 risk-based capital ratio | 21.8795% | 1,312 |
| Total risk-based capital ratio | 23.1426% | 1,284 |
| Memoranda: | ||
| Average total assets | $143,208,500 | 3,821 |
| Average earning assets | $131,410,500 | 3,809 |
| Average equity | $14,627,500 | 3,926 |
| Average total loans | $62,680,000 | 4,506 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3911% | 5,855 |
| Cost of funding earning assets | 0.0896% | 6,695 |
| Net interest margin | 3.3015% | 4,659 |
| Noninterest income to average assets | 0.3730% | 4,643 |
| Noninterest expense to average assets | 2.8437% | 3,555 |
| Loan and lease loss provision to assets | 0.1475% | 2,440 |
| Net operating income to assets | 0.4377% | 4,999 |
| Return on assets (ROA) | 0.4377% | 5,127 |
| Pretax return on assets | 0.4377% | 5,390 |
| Return on Equity (ROE) | 4.3213% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.3213% | 3,105 |
| Net charge-offs to loans | 0.4568% | 1,452 |
| Credit loss provision to net charge-offs | 74.2049% | 3,191 |
| Earnings coverage of net charge-offs (x) | 2.9435% | 4,013 |
| Efficiency ratio | 82.9338% | 1,757 |
| Assets per employee ($millions) | 3.5851% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4267% | 900 |
| Loan loss allowance to noncurrent loans | 101.4608% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.1815% | 3,036 |
| Noncurrent loans to loans | 2.3917% | 1,599 |
| Net loans and leases to total assets | 43.9415% | 5,677 |
| Net loans and leases to deposits | 49.1410% | 5,823 |
| Net loans and leases to core deposits | 51.9696% | 5,799 |
| Total domestic deposits to total assets | 89.4193% | 1,377 |
| Equity capital to assets | 10.4363% | 3,240 |
| Core capital (leverage) ratio | 9.8006% | 3,837 |
| Tier 1 risk-based capital ratio | 22.4310% | 1,185 |
| Total risk-based capital ratio | 23.6955% | 1,164 |
| Memoranda: | ||
| Average total assets | $142,347,800 | 3,839 |
| Average earning assets | $131,756,400 | 3,806 |
| Average equity | $14,416,800 | 3,985 |
| Average total loans | $61,958,800 | 4,549 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3644% | 5,955 |
| Cost of funding earning assets | 0.0907% | 6,781 |
| Net interest margin | 3.2736% | 4,736 |
| Noninterest income to average assets | 0.3338% | 5,023 |
| Noninterest expense to average assets | 2.8376% | 3,536 |
| Loan and lease loss provision to assets | 0.1539% | 2,344 |
| Net operating income to assets | 0.3702% | 5,371 |
| Return on assets (ROA) | 0.3702% | 5,504 |
| Pretax return on assets | 0.3702% | 5,704 |
| Return on Equity (ROE) | 3.6827% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.6827% | 4,081 |
| Net charge-offs to loans | 0.4257% | 1,504 |
| Credit loss provision to net charge-offs | 83.7563% | 2,755 |
| Earnings coverage of net charge-offs (x) | 2.8528% | 3,881 |
| Efficiency ratio | 84.4105% | 1,549 |
| Assets per employee ($millions) | 3.8284% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4801% | 957 |
| Loan loss allowance to noncurrent loans | 97.1517% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.2069% | 3,232 |
| Noncurrent loans to loans | 2.5528% | 1,682 |
| Net loans and leases to total assets | 41.3212% | 5,948 |
| Net loans and leases to deposits | 45.7780% | 6,121 |
| Net loans and leases to core deposits | 50.2128% | 6,002 |
| Total domestic deposits to total assets | 90.2643% | 858 |
| Equity capital to assets | 9.5294% | 4,518 |
| Core capital (leverage) ratio | 9.7036% | 4,099 |
| Tier 1 risk-based capital ratio | 22.3143% | 1,259 |
| Total risk-based capital ratio | 23.5798% | 1,230 |
| Memoranda: | ||
| Average total assets | $142,979,750 | 3,868 |
| Average earning assets | $132,246,000 | 3,832 |
| Average equity | $14,373,000 | 4,043 |
| Average total loans | $61,706,750 | 4,589 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3914% | 5,929 |
| Cost of funding earning assets | 0.0941% | 6,830 |
| Net interest margin | 3.2973% | 4,594 |
| Noninterest income to average assets | 0.3024% | 5,288 |
| Noninterest expense to average assets | 2.8778% | 3,411 |
| Loan and lease loss provision to assets | 0.1846% | 2,049 |
| Net operating income to assets | 0.2754% | 5,692 |
| Return on assets (ROA) | 0.2754% | 5,827 |
| Pretax return on assets | 0.2754% | 5,943 |
| Return on Equity (ROE) | 2.6905% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.6905% | 4,598 |
| Net charge-offs to loans | 0.6210% | 1,067 |
| Credit loss provision to net charge-offs | 68.4211% | 2,855 |
| Earnings coverage of net charge-offs (x) | 1.7053% | 3,963 |
| Efficiency ratio | 86.2186% | 1,394 |
| Assets per employee ($millions) | 3.7636% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5596% | 918 |
| Loan loss allowance to noncurrent loans | 98.7821% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.1902% | 3,369 |
| Noncurrent loans to loans | 2.5912% | 1,776 |
| Net loans and leases to total assets | 39.9669% | 6,048 |
| Net loans and leases to deposits | 44.3895% | 6,205 |
| Net loans and leases to core deposits | 46.9868% | 6,183 |
| Total domestic deposits to total assets | 90.0367% | 1,003 |
| Equity capital to assets | 9.7677% | 4,217 |
| Core capital (leverage) ratio | 9.8439% | 3,728 |
| Tier 1 risk-based capital ratio | 23.3174% | 1,087 |
| Total risk-based capital ratio | 24.5833% | 1,068 |
| Memoranda: | ||
| Average total assets | $140,871,000 | 3,929 |
| Average earning assets | $129,680,330 | 3,911 |
| Average equity | $14,421,330 | 4,064 |
| Average total loans | $61,187,670 | 4,634 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5765% | 5,512 |
| Cost of funding earning assets | 0.1018% | 6,907 |
| Net interest margin | 3.4747% | 3,811 |
| Noninterest income to average assets | 0.4379% | 4,196 |
| Noninterest expense to average assets | 2.9032% | 3,327 |
| Loan and lease loss provision to assets | 0.2900% | 1,209 |
| Net operating income to assets | 0.4118% | 5,084 |
| Return on assets (ROA) | 0.4118% | 5,233 |
| Pretax return on assets | 0.4118% | 5,530 |
| Return on Equity (ROE) | 3.9271% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.9271% | 3,878 |
| Net charge-offs to loans | -0.0195% | 5,695 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5310% | 2,245 |
| Assets per employee ($millions) | 3.5678% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7753% | 843 |
| Loan loss allowance to noncurrent loans | 95.9459% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 2.1970% | 2,122 |
| Noncurrent loans to loans | 2.8926% | 1,746 |
| Net loans and leases to total assets | 42.9012% | 5,767 |
| Net loans and leases to deposits | 48.0141% | 5,920 |
| Net loans and leases to core deposits | 50.4910% | 5,937 |
| Total domestic deposits to total assets | 89.3512% | 1,454 |
| Equity capital to assets | 10.4080% | 3,655 |
| Core capital (leverage) ratio | 10.0114% | 3,372 |
| Tier 1 risk-based capital ratio | 22.5165% | 1,235 |
| Total risk-based capital ratio | 23.7860% | 1,218 |
| Memoranda: | ||
| Average total assets | $137,917,000 | 4,021 |
| Average earning assets | $125,709,000 | 4,028 |
| Average equity | $14,463,500 | 4,100 |
| Average total loans | $61,679,500 | 4,643 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 6,001 |
| Cost of funding earning assets | 0.1483% | 6,921 |
| Net interest margin | 3.5799% | 4,184 |
| Noninterest income to average assets | 0.5311% | 3,703 |
| Noninterest expense to average assets | 3.2880% | 2,379 |
| Loan and lease loss provision to assets | 0.3935% | 1,656 |
| Net operating income to assets | 0.1346% | 5,929 |
| Return on assets (ROA) | 0.1529% | 6,046 |
| Pretax return on assets | 0.1529% | 6,063 |
| Return on Equity (ROE) | 1.4367% | 6,033 |
| Retained earnings to average equity (ytd only) | -0.4606% | 5,932 |
| Net charge-offs to loans | 1.5103% | 585 |
| Credit loss provision to net charge-offs | 54.7862% | 4,586 |
| Earnings coverage of net charge-offs (x) | 0.7352% | 5,111 |
| Efficiency ratio | 86.1606% | 1,417 |
| Assets per employee ($millions) | 3.5049% | 4,992 |
| Cash dividends to net income (ytd only)* | 132.0574% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5839% | 1,035 |
| Loan loss allowance to noncurrent loans | 75.4122% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 2.5649% | 1,892 |
| Noncurrent loans to loans | 3.4263% | 1,467 |
| Net loans and leases to total assets | 44.1580% | 5,803 |
| Net loans and leases to deposits | 49.4774% | 5,994 |
| Net loans and leases to core deposits | 52.9701% | 5,943 |
| Total domestic deposits to total assets | 89.2487% | 1,407 |
| Equity capital to assets | 10.5676% | 3,443 |
| Core capital (leverage) ratio | 10.0358% | 3,353 |
| Tier 1 risk-based capital ratio | 22.0022% | 1,260 |
| Total risk-based capital ratio | 23.2685% | 1,230 |
| Memoranda: | ||
| Average total assets | $136,709,800 | 4,012 |
| Average earning assets | $125,451,400 | 3,990 |
| Average equity | $14,547,200 | 4,053 |
| Average total loans | $65,021,200 | 4,544 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 6,204 |
| Cost of funding earning assets | 0.1565% | 7,023 |
| Net interest margin | 3.5539% | 4,423 |
| Noninterest income to average assets | 0.5130% | 3,839 |
| Noninterest expense to average assets | 3.3275% | 2,191 |
| Loan and lease loss provision to assets | 0.2809% | 2,319 |
| Net operating income to assets | 0.1824% | 5,960 |
| Return on assets (ROA) | 0.2068% | 6,065 |
| Pretax return on assets | 0.2068% | 6,108 |
| Return on Equity (ROE) | 1.9396% | 6,040 |
| Retained earnings to average equity (ytd only) | 0.1007% | 6,043 |
| Net charge-offs to loans | 1.3194% | 710 |
| Credit loss provision to net charge-offs | 44.2396% | 4,527 |
| Earnings coverage of net charge-offs (x) | 0.7296% | 4,961 |
| Efficiency ratio | 87.7798% | 1,217 |
| Assets per employee ($millions) | 3.5297% | 4,905 |
| Cash dividends to net income (ytd only)* | 94.8100% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6686% | 1,010 |
| Loan loss allowance to noncurrent loans | 77.4401% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 2.7459% | 1,922 |
| Noncurrent loans to loans | 3.4460% | 1,580 |
| Net loans and leases to total assets | 44.5645% | 5,925 |
| Net loans and leases to deposits | 49.9739% | 6,109 |
| Net loans and leases to core deposits | 55.1444% | 5,953 |
| Total domestic deposits to total assets | 89.1754% | 1,324 |
| Equity capital to assets | 10.5943% | 3,740 |
| Core capital (leverage) ratio | 10.0626% | 3,453 |
| Tier 1 risk-based capital ratio | 21.7583% | 1,371 |
| Total risk-based capital ratio | 23.0255% | 1,348 |
| Memoranda: | ||
| Average total assets | $136,714,500 | 4,047 |
| Average earning assets | $126,093,750 | 4,014 |
| Average equity | $14,572,750 | 4,083 |
| Average total loans | $65,786,250 | 4,559 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7539% | 6,242 |
| Cost of funding earning assets | 0.1638% | 7,087 |
| Net interest margin | 3.5902% | 4,302 |
| Noninterest income to average assets | 0.5176% | 3,804 |
| Noninterest expense to average assets | 3.3768% | 2,085 |
| Loan and lease loss provision to assets | 0.3021% | 2,174 |
| Net operating income to assets | 0.1496% | 6,042 |
| Return on assets (ROA) | 0.1862% | 6,133 |
| Pretax return on assets | 0.1862% | 6,170 |
| Return on Equity (ROE) | 1.7434% | 6,117 |
| Retained earnings to average equity (ytd only) | 0.2196% | 5,971 |
| Net charge-offs to loans | 1.8529% | 476 |
| Credit loss provision to net charge-offs | 33.3333% | 4,386 |
| Earnings coverage of net charge-offs (x) | 0.4984% | 4,823 |
| Efficiency ratio | 88.2038% | 1,218 |
| Assets per employee ($millions) | 3.5327% | 4,912 |
| Cash dividends to net income (ytd only)* | 87.4016% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5269% | 1,249 |
| Loan loss allowance to noncurrent loans | 65.4509% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 3.0731% | 1,784 |
| Noncurrent loans to loans | 3.8607% | 1,445 |
| Net loans and leases to total assets | 45.7213% | 5,847 |
| Net loans and leases to deposits | 51.2726% | 6,078 |
| Net loans and leases to core deposits | 53.9481% | 6,096 |
| Total domestic deposits to total assets | 89.1728% | 1,405 |
| Equity capital to assets | 10.5811% | 3,588 |
| Core capital (leverage) ratio | 9.9954% | 3,424 |
| Tier 1 risk-based capital ratio | 21.2822% | 1,427 |
| Total risk-based capital ratio | 22.5477% | 1,400 |
| Memoranda: | ||
| Average total assets | $136,399,670 | 4,067 |
| Average earning assets | $125,787,670 | 4,037 |
| Average equity | $14,569,000 | 4,076 |
| Average total loans | $66,705,330 | 4,532 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8542% | 6,130 |
| Cost of funding earning assets | 0.1730% | 7,145 |
| Net interest margin | 3.6812% | 3,918 |
| Noninterest income to average assets | 0.5305% | 3,696 |
| Noninterest expense to average assets | 3.0594% | 3,053 |
| Loan and lease loss provision to assets | 0.5187% | 1,163 |
| Net operating income to assets | 0.3390% | 5,520 |
| Return on assets (ROA) | 0.4126% | 5,391 |
| Pretax return on assets | 0.4126% | 5,684 |
| Return on Equity (ROE) | 3.8450% | 5,358 |
| Retained earnings to average equity (ytd only) | 2.3070% | 5,104 |
| Net charge-offs to loans | 0.3720% | 2,194 |
| Credit loss provision to net charge-offs | 279.3651% | 1,048 |
| Earnings coverage of net charge-offs (x) | 4.6190% | 2,537 |
| Efficiency ratio | 78.1038% | 2,485 |
| Assets per employee ($millions) | 3.5803% | 4,939 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2756% | 634 |
| Loan loss allowance to noncurrent loans | 76.6063% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 3.5230% | 1,626 |
| Noncurrent loans to loans | 4.2758% | 1,401 |
| Net loans and leases to total assets | 46.8387% | 5,696 |
| Net loans and leases to deposits | 52.5780% | 5,938 |
| Net loans and leases to core deposits | 55.9601% | 5,906 |
| Total domestic deposits to total assets | 89.0842% | 1,648 |
| Equity capital to assets | 10.6556% | 3,317 |
| Core capital (leverage) ratio | 10.2237% | 3,078 |
| Tier 1 risk-based capital ratio | 21.3646% | 1,405 |
| Total risk-based capital ratio | 22.6410% | 1,374 |
| Memoranda: | ||
| Average total assets | $135,712,500 | 4,112 |
| Average earning assets | $124,849,500 | 4,091 |
| Average equity | $14,564,500 | 4,078 |
| Average total loans | $67,745,500 | 4,527 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 6,356 |
| Cost of funding earning assets | 0.2671% | 7,158 |
| Net interest margin | 3.7866% | 3,896 |
| Noninterest income to average assets | 0.5132% | 3,762 |
| Noninterest expense to average assets | 3.1985% | 2,874 |
| Loan and lease loss provision to assets | 0.7553% | 1,333 |
| Net operating income to assets | 0.0446% | 5,970 |
| Return on assets (ROA) | 0.0624% | 6,052 |
| Pretax return on assets | 0.0624% | 6,033 |
| Return on Equity (ROE) | 0.5781% | 6,041 |
| Retained earnings to average equity (ytd only) | -0.7020% | 5,960 |
| Net charge-offs to loans | 0.6380% | 2,545 |
| Credit loss provision to net charge-offs | 212.7615% | 1,155 |
| Earnings coverage of net charge-offs (x) | 2.2531% | 4,099 |
| Efficiency ratio | 79.9963% | 2,302 |
| Assets per employee ($millions) | 3.4712% | 5,096 |
| Cash dividends to net income (ytd only)* | 221.4286% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9378% | 865 |
| Loan loss allowance to noncurrent loans | 78.3825% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 3.7555% | 1,548 |
| Noncurrent loans to loans | 3.7481% | 1,680 |
| Net loans and leases to total assets | 49.9088% | 5,595 |
| Net loans and leases to deposits | 56.0888% | 5,887 |
| Net loans and leases to core deposits | 61.8214% | 5,678 |
| Total domestic deposits to total assets | 88.9817% | 1,549 |
| Equity capital to assets | 10.8085% | 3,186 |
| Core capital (leverage) ratio | 10.0744% | 3,250 |
| Tier 1 risk-based capital ratio | 20.0266% | 1,635 |
| Total risk-based capital ratio | 21.2976% | 1,603 |
| Memoranda: | ||
| Average total assets | $134,655,800 | 4,081 |
| Average earning assets | $123,937,200 | 4,057 |
| Average equity | $14,530,000 | 4,003 |
| Average total loans | $74,922,000 | 4,318 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0930% | 6,427 |
| Cost of funding earning assets | 0.2850% | 7,230 |
| Net interest margin | 3.8081% | 3,832 |
| Noninterest income to average assets | 0.4987% | 3,878 |
| Noninterest expense to average assets | 3.3066% | 2,475 |
| Loan and lease loss provision to assets | 0.5166% | 1,922 |
| Net operating income to assets | 0.1864% | 5,736 |
| Return on assets (ROA) | 0.2092% | 5,807 |
| Pretax return on assets | 0.2092% | 5,880 |
| Return on Equity (ROE) | 1.9396% | 5,797 |
| Retained earnings to average equity (ytd only) | 0.7446% | 5,712 |
| Net charge-offs to loans | 0.2063% | 4,149 |
| Credit loss provision to net charge-offs | 441.5254% | 630 |
| Earnings coverage of net charge-offs (x) | 6.0085% | 2,638 |
| Efficiency ratio | 82.4679% | 1,906 |
| Assets per employee ($millions) | 3.4789% | 5,054 |
| Cash dividends to net income (ytd only)* | 61.6109% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6535% | 1,196 |
| Loan loss allowance to noncurrent loans | 93.7623% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 3.0373% | 2,113 |
| Noncurrent loans to loans | 2.8300% | 2,460 |
| Net loans and leases to total assets | 51.6185% | 5,492 |
| Net loans and leases to deposits | 58.2455% | 5,821 |
| Net loans and leases to core deposits | 65.3458% | 5,489 |
| Total domestic deposits to total assets | 88.6223% | 1,677 |
| Equity capital to assets | 10.9701% | 3,175 |
| Core capital (leverage) ratio | 10.3548% | 3,028 |
| Tier 1 risk-based capital ratio | 20.1166% | 1,657 |
| Total risk-based capital ratio | 21.3852% | 1,623 |
| Memoranda: | ||
| Average total assets | $134,476,000 | 4,110 |
| Average earning assets | $123,979,750 | 4,083 |
| Average equity | $14,504,500 | 4,032 |
| Average total loans | $76,250,250 | 4,306 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 6,482 |
| Cost of funding earning assets | 0.3051% | 7,299 |
| Net interest margin | 3.8016% | 3,777 |
| Noninterest income to average assets | 0.4624% | 4,165 |
| Noninterest expense to average assets | 3.2937% | 2,592 |
| Loan and lease loss provision to assets | 0.6265% | 1,525 |
| Net operating income to assets | 0.0552% | 6,106 |
| Return on assets (ROA) | 0.0552% | 6,187 |
| Pretax return on assets | 0.0552% | 6,176 |
| Return on Equity (ROE) | 0.5147% | 6,188 |
| Retained earnings to average equity (ytd only) | -1.2936% | 6,116 |
| Net charge-offs to loans | 0.2806% | 3,479 |
| Credit loss provision to net charge-offs | 385.3211% | 782 |
| Earnings coverage of net charge-offs (x) | 4.1927% | 2,934 |
| Efficiency ratio | 82.8518% | 1,974 |
| Assets per employee ($millions) | 3.4961% | 4,950 |
| Cash dividends to net income (ytd only)* | 351.3514% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4797% | 1,474 |
| Loan loss allowance to noncurrent loans | 65.8572% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 4.0162% | 1,593 |
| Noncurrent loans to loans | 3.7652% | 1,861 |
| Net loans and leases to total assets | 52.4093% | 5,511 |
| Net loans and leases to deposits | 59.1249% | 5,809 |
| Net loans and leases to core deposits | 63.6997% | 5,756 |
| Total domestic deposits to total assets | 88.6416% | 1,756 |
| Equity capital to assets | 10.6434% | 3,340 |
| Core capital (leverage) ratio | 10.3339% | 2,901 |
| Tier 1 risk-based capital ratio | 18.7461% | 1,923 |
| Total risk-based capital ratio | 20.0115% | 1,884 |
| Memoranda: | ||
| Average total assets | $134,075,330 | 4,145 |
| Average earning assets | $123,894,330 | 4,117 |
| Average equity | $14,378,000 | 4,048 |
| Average total loans | $77,685,670 | 4,294 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 6,388 |
| Cost of funding earning assets | 0.3315% | 7,352 |
| Net interest margin | 3.8215% | 3,504 |
| Noninterest income to average assets | 0.4092% | 4,636 |
| Noninterest expense to average assets | 3.3278% | 2,471 |
| Loan and lease loss provision to assets | 0.5867% | 1,470 |
| Net operating income to assets | 0.0331% | 6,273 |
| Return on assets (ROA) | 0.0331% | 6,309 |
| Pretax return on assets | 0.0331% | 6,296 |
| Return on Equity (ROE) | 0.3075% | 6,305 |
| Retained earnings to average equity (ytd only) | -1.5093% | 6,073 |
| Net charge-offs to loans | 0.1652% | 3,485 |
| Credit loss provision to net charge-offs | 590.9091% | 638 |
| Earnings coverage of net charge-offs (x) | 6.2424% | 2,133 |
| Efficiency ratio | 84.2988% | 1,921 |
| Assets per employee ($millions) | 3.4467% | 5,131 |
| Cash dividends to net income (ytd only)* | 590.9091% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1475% | 2,082 |
| Loan loss allowance to noncurrent loans | 30.6843% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 4.5313% | 1,428 |
| Noncurrent loans to loans | 6.9987% | 792 |
| Net loans and leases to total assets | 56.5422% | 4,904 |
| Net loans and leases to deposits | 63.6741% | 5,295 |
| Net loans and leases to core deposits | 68.5851% | 5,220 |
| Total domestic deposits to total assets | 88.7993% | 1,899 |
| Equity capital to assets | 10.6554% | 3,036 |
| Core capital (leverage) ratio | 10.3699% | 2,739 |
| Tier 1 risk-based capital ratio | 18.3499% | 2,005 |
| Total risk-based capital ratio | 19.6117% | 1,958 |
| Memoranda: | ||
| Average total assets | $132,939,000 | 4,195 |
| Average earning assets | $123,093,000 | 4,160 |
| Average equity | $14,311,000 | 4,043 |
| Average total loans | $79,890,500 | 4,258 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6297% | 6,024 |
| Cost of funding earning assets | 0.5357% | 7,249 |
| Net interest margin | 4.0940% | 2,588 |
| Noninterest income to average assets | 0.4351% | 4,638 |
| Noninterest expense to average assets | 3.1247% | 3,364 |
| Loan and lease loss provision to assets | 0.9645% | 1,680 |
| Net operating income to assets | 0.1314% | 5,495 |
| Return on assets (ROA) | 0.1314% | 5,647 |
| Pretax return on assets | 0.1322% | 5,637 |
| Return on Equity (ROE) | 1.2175% | 5,642 |
| Retained earnings to average equity (ytd only) | 1.0496% | 5,017 |
| Net charge-offs to loans | 1.6091% | 1,348 |
| Credit loss provision to net charge-offs | 94.8737% | 4,897 |
| Earnings coverage of net charge-offs (x) | 1.0788% | 5,035 |
| Efficiency ratio | 74.0204% | 3,392 |
| Assets per employee ($millions) | 3.3707% | 5,241 |
| Cash dividends to net income (ytd only)* | 13.7931% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 2,739 |
| Loan loss allowance to noncurrent loans | 33.6536% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 3.8119% | 1,796 |
| Noncurrent loans to loans | 5.4501% | 1,205 |
| Net loans and leases to total assets | 61.3146% | 4,437 |
| Net loans and leases to deposits | 69.2002% | 4,930 |
| Net loans and leases to core deposits | 75.4950% | 4,786 |
| Total domestic deposits to total assets | 88.6047% | 1,889 |
| Equity capital to assets | 10.8772% | 2,796 |
| Core capital (leverage) ratio | 10.3881% | 2,684 |
| Tier 1 risk-based capital ratio | 17.4912% | 2,177 |
| Total risk-based capital ratio | 18.7499% | 2,139 |
| Memoranda: | ||
| Average total assets | $132,397,400 | 4,211 |
| Average earning assets | $122,447,600 | 4,176 |
| Average equity | $14,291,800 | 4,076 |
| Average total loans | $83,648,400 | 4,220 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6163% | 6,290 |
| Cost of funding earning assets | 0.5715% | 7,344 |
| Net interest margin | 4.0448% | 2,884 |
| Noninterest income to average assets | 0.4232% | 4,773 |
| Noninterest expense to average assets | 3.0721% | 3,464 |
| Loan and lease loss provision to assets | 1.0073% | 1,470 |
| Net operating income to assets | 0.0925% | 5,796 |
| Return on assets (ROA) | 0.0925% | 5,933 |
| Pretax return on assets | 0.0935% | 5,920 |
| Return on Equity (ROE) | 0.8584% | 5,928 |
| Retained earnings to average equity (ytd only) | 0.6344% | 5,548 |
| Net charge-offs to loans | 1.0964% | 1,856 |
| Credit loss provision to net charge-offs | 145.0072% | 2,709 |
| Earnings coverage of net charge-offs (x) | 1.5847% | 4,532 |
| Efficiency ratio | 73.6208% | 3,395 |
| Assets per employee ($millions) | 3.5581% | 4,830 |
| Cash dividends to net income (ytd only)* | 26.0884% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2297% | 1,741 |
| Loan loss allowance to noncurrent loans | 37.4132% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 3.9576% | 1,773 |
| Noncurrent loans to loans | 5.9597% | 1,052 |
| Net loans and leases to total assets | 61.1643% | 4,686 |
| Net loans and leases to deposits | 68.9325% | 5,290 |
| Net loans and leases to core deposits | 78.0120% | 4,804 |
| Total domestic deposits to total assets | 88.7307% | 1,543 |
| Equity capital to assets | 10.6932% | 3,294 |
| Core capital (leverage) ratio | 10.2868% | 2,936 |
| Tier 1 risk-based capital ratio | 17.1514% | 2,290 |
| Total risk-based capital ratio | 18.4155% | 2,247 |
| Memoranda: | ||
| Average total assets | $132,632,250 | 4,261 |
| Average earning assets | $122,953,750 | 4,224 |
| Average equity | $14,290,000 | 4,138 |
| Average total loans | $84,033,250 | 4,283 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 6,286 |
| Cost of funding earning assets | 0.6150% | 7,376 |
| Net interest margin | 4.0422% | 2,831 |
| Noninterest income to average assets | 0.4113% | 4,819 |
| Noninterest expense to average assets | 3.1205% | 3,215 |
| Loan and lease loss provision to assets | 1.3144% | 1,040 |
| Net operating income to assets | -0.2944% | 6,468 |
| Return on assets (ROA) | -0.2944% | 6,515 |
| Pretax return on assets | -0.2929% | 6,423 |
| Return on Equity (ROE) | -2.7259% | 6,490 |
| Retained earnings to average equity (ytd only) | -3.0631% | 6,307 |
| Net charge-offs to loans | 0.4890% | 3,075 |
| Credit loss provision to net charge-offs | 422.4390% | 859 |
| Earnings coverage of net charge-offs (x) | 3.2829% | 3,386 |
| Efficiency ratio | 75.3390% | 3,197 |
| Assets per employee ($millions) | 3.5410% | 4,816 |
| Cash dividends to net income (ytd only)* | -12.3711% | 7,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6757% | 1,116 |
| Loan loss allowance to noncurrent loans | 41.8883% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 4.2420% | 1,582 |
| Noncurrent loans to loans | 6.3877% | 952 |
| Net loans and leases to total assets | 60.4431% | 4,979 |
| Net loans and leases to deposits | 67.8499% | 5,575 |
| Net loans and leases to core deposits | 74.9795% | 5,321 |
| Total domestic deposits to total assets | 89.0835% | 1,389 |
| Equity capital to assets | 10.4334% | 3,493 |
| Core capital (leverage) ratio | 10.2942% | 2,832 |
| Tier 1 risk-based capital ratio | 16.8328% | 2,347 |
| Total risk-based capital ratio | 18.1022% | 2,289 |
| Memoranda: | ||
| Average total assets | $131,773,670 | 4,301 |
| Average earning assets | $121,617,330 | 4,280 |
| Average equity | $14,234,000 | 4,149 |
| Average total loans | $83,849,330 | 4,328 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7524% | 6,062 |
| Cost of funding earning assets | 0.6846% | 7,363 |
| Net interest margin | 4.0678% | 2,579 |
| Noninterest income to average assets | 0.4080% | 4,843 |
| Noninterest expense to average assets | 3.1323% | 3,127 |
| Loan and lease loss provision to assets | 0.4510% | 2,713 |
| Net operating income to assets | 0.5584% | 4,094 |
| Return on assets (ROA) | 0.5584% | 4,238 |
| Pretax return on assets | 0.5614% | 4,746 |
| Return on Equity (ROE) | 5.0797% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.0797% | 3,114 |
| Net charge-offs to loans | 0.4143% | 2,803 |
| Credit loss provision to net charge-offs | 168.9655% | 2,156 |
| Earnings coverage of net charge-offs (x) | 3.7931% | 2,782 |
| Efficiency ratio | 75.5736% | 3,292 |
| Assets per employee ($millions) | 3.3998% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9636% | 2,276 |
| Loan loss allowance to noncurrent loans | 45.0289% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 3.0970% | 2,307 |
| Noncurrent loans to loans | 4.3608% | 1,734 |
| Net loans and leases to total assets | 63.1855% | 4,495 |
| Net loans and leases to deposits | 71.4105% | 5,137 |
| Net loans and leases to core deposits | 77.0800% | 5,126 |
| Total domestic deposits to total assets | 88.4822% | 1,800 |
| Equity capital to assets | 11.1463% | 2,638 |
| Core capital (leverage) ratio | 10.6357% | 2,509 |
| Tier 1 risk-based capital ratio | 17.7445% | 2,009 |
| Total risk-based capital ratio | 19.0044% | 1,978 |
| Memoranda: | ||
| Average total assets | $130,381,500 | 4,402 |
| Average earning assets | $119,771,000 | 4,381 |
| Average equity | $14,331,500 | 4,161 |
| Average total loans | $83,990,500 | 4,383 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8167% | 6,913 |
| Cost of funding earning assets | 1.1012% | 6,977 |
| Net interest margin | 3.7154% | 4,065 |
| Noninterest income to average assets | 0.6929% | 3,025 |
| Noninterest expense to average assets | 3.2319% | 3,269 |
| Loan and lease loss provision to assets | 1.0995% | 2,074 |
| Net operating income to assets | -0.2156% | 5,856 |
| Return on assets (ROA) | -0.2156% | 5,850 |
| Pretax return on assets | -0.2110% | 5,718 |
| Return on Equity (ROE) | -2.0499% | 5,865 |
| Retained earnings to average equity (ytd only) | -4.3624% | 5,922 |
| Net charge-offs to loans | 1.0381% | 2,337 |
| Credit loss provision to net charge-offs | 159.9330% | 2,798 |
| Earnings coverage of net charge-offs (x) | 1.2924% | 4,835 |
| Efficiency ratio | 78.4358% | 3,124 |
| Assets per employee ($millions) | 3.4624% | 5,097 |
| Cash dividends to net income (ytd only)* | -112.8114% | 7,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 2,380 |
| Loan loss allowance to noncurrent loans | 42.2139% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 3.0379% | 2,299 |
| Noncurrent loans to loans | 4.4041% | 1,626 |
| Net loans and leases to total assets | 63.1905% | 4,771 |
| Net loans and leases to deposits | 71.0807% | 5,457 |
| Net loans and leases to core deposits | 88.5836% | 5,268 |
| Total domestic deposits to total assets | 88.8996% | 1,525 |
| Equity capital to assets | 10.8405% | 2,830 |
| Core capital (leverage) ratio | 10.2696% | 2,811 |
| Tier 1 risk-based capital ratio | 15.9292% | 2,555 |
| Total risk-based capital ratio | 17.1859% | 2,477 |
| Memoranda: | ||
| Average total assets | $130,326,200 | 4,330 |
| Average earning assets | $120,227,800 | 4,311 |
| Average equity | $13,708,000 | 4,335 |
| Average total loans | $86,310,800 | 4,320 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 7,128 |
| Cost of funding earning assets | 1.1572% | 7,016 |
| Net interest margin | 3.6391% | 4,327 |
| Noninterest income to average assets | 0.7773% | 2,562 |
| Noninterest expense to average assets | 3.1739% | 3,384 |
| Loan and lease loss provision to assets | 1.1927% | 1,631 |
| Net operating income to assets | -0.2287% | 6,111 |
| Return on assets (ROA) | -0.2287% | 6,119 |
| Pretax return on assets | -0.2225% | 6,008 |
| Return on Equity (ROE) | -2.1912% | 6,118 |
| Retained earnings to average equity (ytd only) | -5.3060% | 6,290 |
| Net charge-offs to loans | 1.3593% | 1,515 |
| Credit loss provision to net charge-offs | 131.5611% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.0701% | 4,986 |
| Efficiency ratio | 76.5900% | 3,402 |
| Assets per employee ($millions) | 3.5264% | 4,863 |
| Cash dividends to net income (ytd only)* | -142.1518% | 8,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 3,233 |
| Loan loss allowance to noncurrent loans | 30.5144% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 3.4193% | 1,953 |
| Noncurrent loans to loans | 5.0436% | 1,294 |
| Net loans and leases to total assets | 62.8762% | 5,090 |
| Net loans and leases to deposits | 70.7790% | 5,813 |
| Net loans and leases to core deposits | 93.3740% | 5,086 |
| Total domestic deposits to total assets | 88.8346% | 1,274 |
| Equity capital to assets | 10.6244% | 3,377 |
| Core capital (leverage) ratio | 10.3138% | 2,960 |
| Tier 1 risk-based capital ratio | 15.5235% | 2,814 |
| Total risk-based capital ratio | 16.7769% | 2,750 |
| Memoranda: | ||
| Average total assets | $130,014,750 | 4,373 |
| Average earning assets | $120,283,750 | 4,342 |
| Average equity | $13,569,250 | 4,401 |
| Average total loans | $86,709,500 | 4,347 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7845% | 7,256 |
| Cost of funding earning assets | 1.2159% | 7,059 |
| Net interest margin | 3.5686% | 4,503 |
| Noninterest income to average assets | 0.9512% | 1,755 |
| Noninterest expense to average assets | 3.1363% | 3,556 |
| Loan and lease loss provision to assets | 0.5595% | 2,786 |
| Net operating income to assets | 0.5393% | 3,940 |
| Return on assets (ROA) | 0.5393% | 4,046 |
| Pretax return on assets | 0.5486% | 4,475 |
| Return on Equity (ROE) | 5.1998% | 3,989 |
| Retained earnings to average equity (ytd only) | 0.4496% | 5,037 |
| Net charge-offs to loans | 0.7441% | 2,193 |
| Credit loss provision to net charge-offs | 111.1111% | 4,162 |
| Earnings coverage of net charge-offs (x) | 2.2006% | 3,968 |
| Efficiency ratio | 73.8923% | 4,049 |
| Assets per employee ($millions) | 3.4783% | 4,866 |
| Cash dividends to net income (ytd only)* | 91.3545% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 4,880 |
| Loan loss allowance to noncurrent loans | 21.3731% | 7,049 |
| Noncurrent assets plus other real estate owned to assets | 3.8018% | 1,597 |
| Noncurrent loans to loans | 5.6516% | 1,011 |
| Net loans and leases to total assets | 66.4571% | 4,469 |
| Net loans and leases to deposits | 75.2401% | 5,285 |
| Net loans and leases to core deposits | 95.3290% | 4,973 |
| Total domestic deposits to total assets | 88.3268% | 1,610 |
| Equity capital to assets | 11.1679% | 2,778 |
| Core capital (leverage) ratio | 11.1830% | 2,272 |
| Tier 1 risk-based capital ratio | 15.8724% | 2,670 |
| Total risk-based capital ratio | 17.0641% | 2,628 |
| Memoranda: | ||
| Average total assets | $128,685,330 | 4,420 |
| Average earning assets | $118,758,330 | 4,396 |
| Average equity | $13,346,670 | 4,456 |
| Average total loans | $87,088,330 | 4,359 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 6,686 |
| Cost of funding earning assets | 1.2976% | 7,017 |
| Net interest margin | 3.7902% | 3,491 |
| Noninterest income to average assets | 0.4601% | 4,681 |
| Noninterest expense to average assets | 3.0723% | 3,480 |
| Loan and lease loss provision to assets | 0.0945% | 5,751 |
| Net operating income to assets | 0.7657% | 3,277 |
| Return on assets (ROA) | 0.7657% | 3,451 |
| Pretax return on assets | 0.7815% | 4,145 |
| Return on Equity (ROE) | 7.6902% | 3,289 |
| Retained earnings to average equity (ytd only) | 2.1203% | 4,687 |
| Net charge-offs to loans | 0.0278% | 5,137 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 767 |
| Efficiency ratio | 77.8132% | 3,199 |
| Assets per employee ($millions) | 3.4084% | 5,054 |
| Cash dividends to net income (ytd only)* | 72.4280% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 4,515 |
| Loan loss allowance to noncurrent loans | 24.0980% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 3.4945% | 1,543 |
| Noncurrent loans to loans | 5.1529% | 1,044 |
| Net loans and leases to total assets | 66.9738% | 4,349 |
| Net loans and leases to deposits | 74.8325% | 5,371 |
| Net loans and leases to core deposits | 92.6972% | 5,290 |
| Total domestic deposits to total assets | 89.4982% | 1,008 |
| Equity capital to assets | 9.9943% | 4,011 |
| Core capital (leverage) ratio | 9.5747% | 3,900 |
| Tier 1 risk-based capital ratio | 13.7992% | 3,697 |
| Total risk-based capital ratio | 15.0060% | 3,636 |
| Memoranda: | ||
| Average total assets | $126,941,000 | 4,468 |
| Average earning assets | $116,828,000 | 4,463 |
| Average equity | $12,639,500 | 4,670 |
| Average total loans | $86,176,000 | 4,420 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4223% | 7,433 |
| Cost of funding earning assets | 1.9274% | 6,650 |
| Net interest margin | 3.4949% | 5,310 |
| Noninterest income to average assets | 0.5179% | 4,487 |
| Noninterest expense to average assets | 3.0362% | 3,948 |
| Loan and lease loss provision to assets | 0.1318% | 5,677 |
| Net operating income to assets | 0.5404% | 4,574 |
| Return on assets (ROA) | 0.5404% | 4,417 |
| Pretax return on assets | 0.5427% | 4,869 |
| Return on Equity (ROE) | 5.7271% | 4,058 |
| Retained earnings to average equity (ytd only) | 2.6376% | 3,544 |
| Net charge-offs to loans | 0.0059% | 6,884 |
| Credit loss provision to net charge-offs | 3,400.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 267 |
| Efficiency ratio | 81.8220% | 2,322 |
| Assets per employee ($millions) | 3.3624% | 5,059 |
| Cash dividends to net income (ytd only)* | 53.9455% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 4,571 |
| Loan loss allowance to noncurrent loans | 40.6262% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 1.9997% | 2,465 |
| Noncurrent loans to loans | 2.9426% | 1,822 |
| Net loans and leases to total assets | 67.1441% | 4,613 |
| Net loans and leases to deposits | 75.0464% | 5,723 |
| Net loans and leases to core deposits | 95.0877% | 5,340 |
| Total domestic deposits to total assets | 89.4701% | 860 |
| Equity capital to assets | 9.9202% | 4,134 |
| Core capital (leverage) ratio | 9.1500% | 4,528 |
| Tier 1 risk-based capital ratio | 13.4857% | 3,830 |
| Total risk-based capital ratio | 14.6450% | 3,780 |
| Memoranda: | ||
| Average total assets | $128,976,200 | 4,308 |
| Average earning assets | $117,829,000 | 4,313 |
| Average equity | $12,170,200 | 4,786 |
| Average total loans | $84,486,600 | 4,385 |