Home > First Heritage Bank > Performance and Condition Ratios
First Heritage Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4285% | 1,263 |
| Cost of funding earning assets | 2.1090% | 760 |
| Net interest margin | 3.3195% | 2,581 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.1362% | 3,307 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1669% | 1,734 |
| Return on assets (ROA) | 1.1694% | 1,696 |
| Pretax return on assets | 1.2134% | 2,105 |
| Return on Equity (ROE) | 21.2900% | 518 |
| Retained earnings to average equity (ytd only) | 8.2008% | 1,477 |
| Net charge-offs to loans | 0.0014% | 2,787 |
| Credit loss provision to net charge-offs | 1,200.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 1,402.0000% | 112 |
| Efficiency ratio | 63.6269% | 2,650 |
| Assets per employee ($millions) | 8.2621% | 1,300 |
| Cash dividends to net income (ytd only)* | 61.4898% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,285 |
| Loan loss allowance to noncurrent loans | 1,628.0374% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 3,322 |
| Noncurrent loans to loans | 0.0738% | 3,189 |
| Net loans and leases to total assets | 57.7800% | 3,060 |
| Net loans and leases to deposits | 61.5641% | 3,434 |
| Net loans and leases to core deposits | 84.2319% | 2,439 |
| Total domestic deposits to total assets | 93.8500% | 117 |
| Equity capital to assets | 5.7476% | 4,289 |
| Core capital (leverage) ratio | 9.9557% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $229,609,600 | 2,789 |
| Average earning assets | $212,802,800 | 2,784 |
| Average equity | $12,608,600 | 3,475 |
| Average total loans | $139,519,000 | 2,775 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3389% | 1,229 |
| Cost of funding earning assets | 1.9856% | 722 |
| Net interest margin | 3.3532% | 2,564 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.1293% | 3,272 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.2090% | 1,772 |
| Return on assets (ROA) | 1.2051% | 1,774 |
| Pretax return on assets | 1.2530% | 2,162 |
| Return on Equity (ROE) | 22.2300% | 544 |
| Retained earnings to average equity (ytd only) | 8.7216% | 1,762 |
| Net charge-offs to loans | 0.0019% | 2,507 |
| Credit loss provision to net charge-offs | 1,200.0000% | 362 |
| Earnings coverage of net charge-offs (x) | 1,073.0000% | 142 |
| Efficiency ratio | 62.6132% | 2,647 |
| Assets per employee ($millions) | 7.8242% | 1,439 |
| Cash dividends to net income (ytd only)* | 60.7670% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,285 |
| Loan loss allowance to noncurrent loans | 174,200.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,890 |
| Noncurrent loans to loans | 0.0007% | 3,835 |
| Net loans and leases to total assets | 62.4200% | 2,608 |
| Net loans and leases to deposits | 65.8912% | 3,137 |
| Net loans and leases to core deposits | 88.8220% | 2,002 |
| Total domestic deposits to total assets | 94.7300% | 139 |
| Equity capital to assets | 4.6601% | 4,309 |
| Core capital (leverage) ratio | 10.2741% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $225,046,500 | 2,827 |
| Average earning assets | $208,827,750 | 2,823 |
| Average equity | $12,199,250 | 3,512 |
| Average total loans | $138,160,500 | 2,797 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 1,283 |
| Cost of funding earning assets | 1.8266% | 705 |
| Net interest margin | 3.3271% | 2,693 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.1103% | 3,318 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.2097% | 1,811 |
| Return on assets (ROA) | 1.1968% | 1,831 |
| Pretax return on assets | 1.2449% | 2,240 |
| Return on Equity (ROE) | 21.0800% | 616 |
| Retained earnings to average equity (ytd only) | 8.1940% | 1,907 |
| Net charge-offs to loans | 0.0029% | 2,237 |
| Credit loss provision to net charge-offs | 1,200.0000% | 356 |
| Earnings coverage of net charge-offs (x) | 718.0000% | 205 |
| Efficiency ratio | 62.2503% | 2,685 |
| Assets per employee ($millions) | 7.6884% | 1,478 |
| Cash dividends to net income (ytd only)* | 61.1318% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,119 |
| Loan loss allowance to noncurrent loans | 174,200.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,910 |
| Noncurrent loans to loans | 0.0007% | 3,838 |
| Net loans and leases to total assets | 61.1100% | 2,657 |
| Net loans and leases to deposits | 65.7256% | 3,076 |
| Net loans and leases to core deposits | 85.6415% | 2,095 |
| Total domestic deposits to total assets | 92.9800% | 259 |
| Equity capital to assets | 5.6323% | 4,257 |
| Core capital (leverage) ratio | 9.9738% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $224,427,667 | 2,838 |
| Average earning assets | $208,471,667 | 2,834 |
| Average equity | $12,741,000 | 3,464 |
| Average total loans | $136,425,333 | 2,810 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 1,517 |
| Cost of funding earning assets | 1.5521% | 764 |
| Net interest margin | 3.2919% | 2,896 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.0590% | 3,479 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.1957% | 1,941 |
| Return on assets (ROA) | 1.1565% | 2,017 |
| Pretax return on assets | 1.2009% | 2,419 |
| Return on Equity (ROE) | 20.2900% | 728 |
| Retained earnings to average equity (ytd only) | 6.8888% | 2,523 |
| Net charge-offs to loans | 0.0059% | 1,746 |
| Credit loss provision to net charge-offs | 1,200.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 361.5000% | 313 |
| Efficiency ratio | 61.5834% | 2,746 |
| Assets per employee ($millions) | 7.6222% | 1,546 |
| Cash dividends to net income (ytd only)* | 66.0522% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,015 |
| Loan loss allowance to noncurrent loans | 3,169.0909% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 3,535 |
| Noncurrent loans to loans | 0.0411% | 3,441 |
| Net loans and leases to total assets | 59.6900% | 2,694 |
| Net loans and leases to deposits | 65.0555% | 3,007 |
| Net loans and leases to core deposits | 83.7425% | 2,000 |
| Total domestic deposits to total assets | 91.7500% | 581 |
| Equity capital to assets | 6.0947% | 4,169 |
| Core capital (leverage) ratio | 10.1305% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $225,159,000 | 2,876 |
| Average earning assets | $208,755,000 | 2,871 |
| Average equity | $12,832,500 | 3,494 |
| Average total loans | $135,637,500 | 2,845 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 1,639 |
| Cost of funding earning assets | 0.5634% | 1,046 |
| Net interest margin | 3.4674% | 2,045 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.1629% | 3,114 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2650% | 1,546 |
| Return on assets (ROA) | 1.2668% | 1,494 |
| Pretax return on assets | 1.3143% | 2,040 |
| Return on Equity (ROE) | 18.1700% | 676 |
| Retained earnings to average equity (ytd only) | 7.4154% | 2,062 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.4662% | 2,843 |
| Assets per employee ($millions) | 7.9060% | 1,373 |
| Cash dividends to net income (ytd only)* | 59.1997% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,151 |
| Loan loss allowance to noncurrent loans | 3,127.2727% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,595 |
| Noncurrent loans to loans | 0.0400% | 3,486 |
| Net loans and leases to total assets | 59.2600% | 2,705 |
| Net loans and leases to deposits | 68.7290% | 2,685 |
| Net loans and leases to core deposits | 84.9558% | 1,821 |
| Total domestic deposits to total assets | 86.2200% | 2,670 |
| Equity capital to assets | 5.3181% | 4,287 |
| Core capital (leverage) ratio | 10.4461% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $220,953,400 | 2,899 |
| Average earning assets | $205,714,000 | 2,885 |
| Average equity | $15,400,400 | 3,336 |
| Average total loans | $125,421,800 | 2,871 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 1,507 |
| Cost of funding earning assets | 0.3905% | 1,359 |
| Net interest margin | 3.5005% | 1,660 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.1820% | 2,980 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.2665% | 1,465 |
| Return on assets (ROA) | 1.2671% | 1,430 |
| Pretax return on assets | 1.3182% | 1,985 |
| Return on Equity (ROE) | 17.1200% | 770 |
| Retained earnings to average equity (ytd only) | 6.6738% | 2,487 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.5781% | 2,885 |
| Assets per employee ($millions) | 7.5164% | 1,606 |
| Cash dividends to net income (ytd only)* | 61.0096% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 1,902 |
| Loan loss allowance to noncurrent loans | 3,083.6364% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 3,683 |
| Noncurrent loans to loans | 0.0430% | 3,578 |
| Net loans and leases to total assets | 57.8400% | 2,715 |
| Net loans and leases to deposits | 62.2672% | 3,002 |
| Net loans and leases to core deposits | 76.5339% | 2,160 |
| Total domestic deposits to total assets | 92.9000% | 608 |
| Equity capital to assets | 4.9996% | 4,300 |
| Core capital (leverage) ratio | 10.3829% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $218,873,000 | 2,933 |
| Average earning assets | $204,156,750 | 2,923 |
| Average equity | $16,202,250 | 3,294 |
| Average total loans | $122,380,000 | 2,910 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 1,423 |
| Cost of funding earning assets | 0.2411% | 2,380 |
| Net interest margin | 3.5079% | 1,294 |
| Noninterest income to average assets | 0.2756% | 3,513 |
| Noninterest expense to average assets | 2.1499% | 3,000 |
| Loan and lease loss provision to assets | 0.0438% | 1,782 |
| Net operating income to assets | 1.3075% | 1,117 |
| Return on assets (ROA) | 1.3049% | 1,106 |
| Pretax return on assets | 1.3578% | 1,561 |
| Return on Equity (ROE) | 15.9151% | 714 |
| Retained earnings to average equity (ytd only) | 6.1546% | 2,284 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4878% | 3,238 |
| Assets per employee ($millions) | 7.1254% | 1,861 |
| Cash dividends to net income (ytd only)* | 61.3287% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 1,861 |
| Loan loss allowance to noncurrent loans | 2,786.6667% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,703 |
| Noncurrent loans to loans | 0.0493% | 3,579 |
| Net loans and leases to total assets | 56.1157% | 2,741 |
| Net loans and leases to deposits | 60.5889% | 3,013 |
| Net loans and leases to core deposits | 71.9196% | 2,342 |
| Total domestic deposits to total assets | 92.6170% | 611 |
| Equity capital to assets | 6.2649% | 4,112 |
| Core capital (leverage) ratio | 9.9513% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,171,667 | 2,955 |
| Average earning assets | $204,854,667 | 2,957 |
| Average equity | $17,970,333 | 3,234 |
| Average total loans | $120,578,667 | 2,938 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4876% | 1,848 |
| Cost of funding earning assets | 0.1907% | 2,935 |
| Net interest margin | 3.2970% | 1,569 |
| Noninterest income to average assets | 0.2470% | 3,666 |
| Noninterest expense to average assets | 2.1255% | 3,061 |
| Loan and lease loss provision to assets | 0.0433% | 1,578 |
| Net operating income to assets | 1.1200% | 1,475 |
| Return on assets (ROA) | 1.1322% | 1,427 |
| Pretax return on assets | 1.1772% | 1,888 |
| Return on Equity (ROE) | 12.3991% | 1,197 |
| Retained earnings to average equity (ytd only) | 4.3239% | 2,834 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7642% | 3,057 |
| Assets per employee ($millions) | 7.1037% | 1,920 |
| Cash dividends to net income (ytd only)* | 65.1274% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 2,013 |
| Loan loss allowance to noncurrent loans | 2,701.6393% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 3,766 |
| Noncurrent loans to loans | 0.0508% | 3,617 |
| Net loans and leases to total assets | 53.7368% | 2,794 |
| Net loans and leases to deposits | 59.0660% | 2,983 |
| Net loans and leases to core deposits | 65.3644% | 2,684 |
| Total domestic deposits to total assets | 90.9775% | 1,050 |
| Equity capital to assets | 8.2891% | 3,332 |
| Core capital (leverage) ratio | 10.0367% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,876,500 | 2,950 |
| Average earning assets | $207,706,000 | 2,943 |
| Average equity | $20,259,500 | 3,123 |
| Average total loans | $120,055,000 | 2,944 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 1,410 |
| Cost of funding earning assets | 0.2470% | 2,964 |
| Net interest margin | 3.7311% | 1,143 |
| Noninterest income to average assets | 0.2977% | 3,618 |
| Noninterest expense to average assets | 2.1760% | 3,155 |
| Loan and lease loss provision to assets | 0.0457% | 2,139 |
| Net operating income to assets | 1.5242% | 971 |
| Return on assets (ROA) | 1.5391% | 977 |
| Pretax return on assets | 1.5999% | 1,418 |
| Return on Equity (ROE) | 15.6824% | 808 |
| Retained earnings to average equity (ytd only) | 5.7073% | 2,472 |
| Net charge-offs to loans | -0.0008% | 3,267 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1720% | 3,559 |
| Assets per employee ($millions) | 7.2109% | 1,786 |
| Cash dividends to net income (ytd only)* | 63.6067% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 2,125 |
| Loan loss allowance to noncurrent loans | 2,619.3548% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 3,847 |
| Noncurrent loans to loans | 0.0516% | 3,708 |
| Net loans and leases to total assets | 53.0118% | 2,964 |
| Net loans and leases to deposits | 59.0024% | 3,171 |
| Net loans and leases to core deposits | 67.3826% | 2,700 |
| Total domestic deposits to total assets | 89.8469% | 1,032 |
| Equity capital to assets | 9.9603% | 2,692 |
| Core capital (leverage) ratio | 9.9707% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,700,600 | 2,916 |
| Average earning assets | $205,648,600 | 2,909 |
| Average equity | $21,463,600 | 3,099 |
| Average total loans | $120,803,600 | 2,945 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 1,284 |
| Cost of funding earning assets | 0.2619% | 2,996 |
| Net interest margin | 3.8485% | 1,024 |
| Noninterest income to average assets | 0.3096% | 3,576 |
| Noninterest expense to average assets | 2.1983% | 3,071 |
| Loan and lease loss provision to assets | 0.0446% | 2,104 |
| Net operating income to assets | 1.6245% | 971 |
| Return on assets (ROA) | 1.6380% | 989 |
| Pretax return on assets | 1.7024% | 1,396 |
| Return on Equity (ROE) | 16.7546% | 807 |
| Retained earnings to average equity (ytd only) | 6.7846% | 2,500 |
| Net charge-offs to loans | -0.0011% | 3,129 |
| Credit loss provision to net charge-offs | -7,300.0000% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9177% | 3,542 |
| Assets per employee ($millions) | 5.4463% | 3,256 |
| Cash dividends to net income (ytd only)* | 59.5060% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 1,792 |
| Loan loss allowance to noncurrent loans | 1,597.0000% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 3,846 |
| Noncurrent loans to loans | 0.0912% | 3,621 |
| Net loans and leases to total assets | 49.6105% | 3,454 |
| Net loans and leases to deposits | 55.5120% | 3,623 |
| Net loans and leases to core deposits | 64.8369% | 3,058 |
| Total domestic deposits to total assets | 89.3690% | 1,086 |
| Equity capital to assets | 10.4437% | 2,499 |
| Core capital (leverage) ratio | 9.6592% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,491,500 | 2,951 |
| Average earning assets | $204,680,000 | 2,942 |
| Average equity | $21,263,250 | 3,148 |
| Average total loans | $120,973,250 | 2,983 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 1,567 |
| Cost of funding earning assets | 0.2740% | 3,055 |
| Net interest margin | 3.7252% | 1,283 |
| Noninterest income to average assets | 0.3395% | 3,409 |
| Noninterest expense to average assets | 2.1502% | 3,243 |
| Loan and lease loss provision to assets | 0.0506% | 2,024 |
| Net operating income to assets | 1.5926% | 1,061 |
| Return on assets (ROA) | 1.6138% | 1,080 |
| Pretax return on assets | 1.6764% | 1,539 |
| Return on Equity (ROE) | 16.8922% | 799 |
| Retained earnings to average equity (ytd only) | 7.4830% | 2,259 |
| Net charge-offs to loans | -0.0016% | 3,150 |
| Credit loss provision to net charge-offs | -5,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7757% | 3,570 |
| Assets per employee ($millions) | 6.4424% | 2,210 |
| Cash dividends to net income (ytd only)* | 55.7013% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 2,247 |
| Loan loss allowance to noncurrent loans | 1,579.0000% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,960 |
| Noncurrent loans to loans | 0.0848% | 3,765 |
| Net loans and leases to total assets | 51.5992% | 3,383 |
| Net loans and leases to deposits | 57.7175% | 3,570 |
| Net loans and leases to core deposits | 67.0242% | 3,036 |
| Total domestic deposits to total assets | 89.3997% | 1,082 |
| Equity capital to assets | 9.9910% | 2,859 |
| Core capital (leverage) ratio | 9.4547% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,371,000 | 2,959 |
| Average earning assets | $205,141,667 | 2,943 |
| Average equity | $20,767,000 | 3,180 |
| Average total loans | $124,739,333 | 2,963 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8081% | 2,081 |
| Cost of funding earning assets | 0.3026% | 2,963 |
| Net interest margin | 3.5055% | 1,806 |
| Noninterest income to average assets | 0.2888% | 3,682 |
| Noninterest expense to average assets | 2.1583% | 3,243 |
| Loan and lease loss provision to assets | 0.0525% | 2,055 |
| Net operating income to assets | 1.3290% | 1,735 |
| Return on assets (ROA) | 1.3614% | 1,745 |
| Pretax return on assets | 1.4139% | 2,244 |
| Return on Equity (ROE) | 14.6029% | 1,298 |
| Retained earnings to average equity (ytd only) | 3.4999% | 3,631 |
| Net charge-offs to loans | -0.0031% | 3,236 |
| Credit loss provision to net charge-offs | -2,800.0000% | 3,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1044% | 3,018 |
| Assets per employee ($millions) | 6.8033% | 1,931 |
| Cash dividends to net income (ytd only)* | 76.0331% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,884 |
| Loan loss allowance to noncurrent loans | 1,536.6337% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 4,042 |
| Noncurrent loans to loans | 0.0787% | 3,902 |
| Net loans and leases to total assets | 58.2558% | 2,776 |
| Net loans and leases to deposits | 64.4080% | 3,091 |
| Net loans and leases to core deposits | 75.6964% | 2,377 |
| Total domestic deposits to total assets | 90.4482% | 604 |
| Equity capital to assets | 8.8807% | 3,806 |
| Core capital (leverage) ratio | 8.6035% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,314,500 | 2,981 |
| Average earning assets | $200,939,500 | 2,961 |
| Average equity | $19,886,500 | 3,244 |
| Average total loans | $128,145,500 | 2,926 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5243% | 1,252 |
| Cost of funding earning assets | 0.6307% | 2,115 |
| Net interest margin | 3.8937% | 1,231 |
| Noninterest income to average assets | 0.2904% | 3,748 |
| Noninterest expense to average assets | 2.2766% | 3,473 |
| Loan and lease loss provision to assets | 0.0768% | 3,420 |
| Net operating income to assets | 1.5648% | 687 |
| Return on assets (ROA) | 1.5928% | 706 |
| Pretax return on assets | 1.6563% | 940 |
| Return on Equity (ROE) | 15.9897% | 504 |
| Retained earnings to average equity (ytd only) | 7.7943% | 1,116 |
| Net charge-offs to loans | 0.0016% | 3,360 |
| Credit loss provision to net charge-offs | 7,500.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 1,663.5000% | 67 |
| Efficiency ratio | 57.1925% | 3,832 |
| Assets per employee ($millions) | 6.7394% | 1,753 |
| Cash dividends to net income (ytd only)* | 51.2540% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,995 |
| Loan loss allowance to noncurrent loans | 1,655.4348% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 4,130 |
| Noncurrent loans to loans | 0.0719% | 4,009 |
| Net loans and leases to total assets | 60.4958% | 2,791 |
| Net loans and leases to deposits | 67.5090% | 3,135 |
| Net loans and leases to core deposits | 79.6824% | 2,395 |
| Total domestic deposits to total assets | 89.6114% | 720 |
| Equity capital to assets | 9.7831% | 3,334 |
| Core capital (leverage) ratio | 8.6119% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,248,600 | 2,979 |
| Average earning assets | $185,044,600 | 2,949 |
| Average equity | $19,450,000 | 3,236 |
| Average total loans | $127,720,600 | 2,893 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 1,585 |
| Cost of funding earning assets | 0.7238% | 1,882 |
| Net interest margin | 3.7712% | 1,705 |
| Noninterest income to average assets | 0.2912% | 3,741 |
| Noninterest expense to average assets | 2.2631% | 3,518 |
| Loan and lease loss provision to assets | 0.0787% | 3,332 |
| Net operating income to assets | 1.4735% | 956 |
| Return on assets (ROA) | 1.5395% | 913 |
| Pretax return on assets | 1.6000% | 1,185 |
| Return on Equity (ROE) | 15.3794% | 632 |
| Retained earnings to average equity (ytd only) | 7.5057% | 1,494 |
| Net charge-offs to loans | 0.0021% | 3,122 |
| Credit loss provision to net charge-offs | 5,650.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 1,158.0000% | 103 |
| Efficiency ratio | 58.4350% | 3,607 |
| Assets per employee ($millions) | 6.5437% | 1,796 |
| Cash dividends to net income (ytd only)* | 51.1964% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,360 |
| Loan loss allowance to noncurrent loans | 244.0066% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 2,952 |
| Noncurrent loans to loans | 0.4386% | 2,739 |
| Net loans and leases to total assets | 67.7108% | 2,283 |
| Net loans and leases to deposits | 76.7804% | 2,679 |
| Net loans and leases to core deposits | 91.2148% | 1,865 |
| Total domestic deposits to total assets | 88.1876% | 1,126 |
| Equity capital to assets | 9.8327% | 3,395 |
| Core capital (leverage) ratio | 8.4681% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,830,250 | 2,996 |
| Average earning assets | $182,184,750 | 2,957 |
| Average equity | $19,202,750 | 3,257 |
| Average total loans | $127,672,750 | 2,897 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6172% | 1,610 |
| Cost of funding earning assets | 0.8626% | 1,531 |
| Net interest margin | 3.7546% | 1,975 |
| Noninterest income to average assets | 0.2987% | 3,679 |
| Noninterest expense to average assets | 2.2928% | 3,538 |
| Loan and lease loss provision to assets | 0.0797% | 3,299 |
| Net operating income to assets | 1.4390% | 1,040 |
| Return on assets (ROA) | 1.5105% | 982 |
| Pretax return on assets | 1.5679% | 1,299 |
| Return on Equity (ROE) | 14.9934% | 708 |
| Retained earnings to average equity (ytd only) | 7.6919% | 1,403 |
| Net charge-offs to loans | 0.0016% | 2,966 |
| Credit loss provision to net charge-offs | 7,500.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 1,480.0000% | 53 |
| Efficiency ratio | 59.3071% | 3,515 |
| Assets per employee ($millions) | 6.6262% | 1,690 |
| Cash dividends to net income (ytd only)* | 48.6981% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,485 |
| Loan loss allowance to noncurrent loans | 196.6079% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 2,902 |
| Noncurrent loans to loans | 0.5178% | 2,607 |
| Net loans and leases to total assets | 66.4483% | 2,565 |
| Net loans and leases to deposits | 75.2070% | 2,952 |
| Net loans and leases to core deposits | 91.2284% | 1,963 |
| Total domestic deposits to total assets | 88.3539% | 1,015 |
| Equity capital to assets | 9.3276% | 3,805 |
| Core capital (leverage) ratio | 8.4881% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,155,667 | 3,008 |
| Average earning assets | $178,768,000 | 2,971 |
| Average equity | $18,955,000 | 3,276 |
| Average total loans | $123,950,333 | 2,932 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9708% | 1,022 |
| Cost of funding earning assets | 1.0924% | 1,071 |
| Net interest margin | 3.8784% | 1,738 |
| Noninterest income to average assets | 0.2815% | 3,846 |
| Noninterest expense to average assets | 2.4243% | 3,484 |
| Loan and lease loss provision to assets | 0.0863% | 2,612 |
| Net operating income to assets | 1.3959% | 991 |
| Return on assets (ROA) | 1.6117% | 676 |
| Pretax return on assets | 1.6684% | 912 |
| Return on Equity (ROE) | 15.3162% | 513 |
| Retained earnings to average equity (ytd only) | 8.3484% | 1,132 |
| Net charge-offs to loans | 0.0070% | 2,321 |
| Credit loss provision to net charge-offs | 1,900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 337.5000% | 206 |
| Efficiency ratio | 61.2737% | 3,579 |
| Assets per employee ($millions) | 5.5447% | 2,068 |
| Cash dividends to net income (ytd only)* | 45.4930% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,479 |
| Loan loss allowance to noncurrent loans | 195.1591% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 2,827 |
| Noncurrent loans to loans | 0.6330% | 2,405 |
| Net loans and leases to total assets | 63.5813% | 3,116 |
| Net loans and leases to deposits | 73.2276% | 3,341 |
| Net loans and leases to core deposits | 91.8149% | 2,183 |
| Total domestic deposits to total assets | 86.8270% | 1,636 |
| Equity capital to assets | 10.5816% | 3,247 |
| Core capital (leverage) ratio | 9.4770% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,216,500 | 3,073 |
| Average earning assets | $166,975,000 | 3,046 |
| Average equity | $18,542,500 | 3,313 |
| Average total loans | $114,753,500 | 3,015 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0496% | 1,345 |
| Cost of funding earning assets | 1.3351% | 692 |
| Net interest margin | 3.7145% | 2,771 |
| Noninterest income to average assets | 0.3369% | 3,692 |
| Noninterest expense to average assets | 2.4823% | 3,498 |
| Loan and lease loss provision to assets | 0.0834% | 2,340 |
| Net operating income to assets | 1.2399% | 1,907 |
| Return on assets (ROA) | 1.2382% | 1,996 |
| Pretax return on assets | 1.2886% | 2,544 |
| Return on Equity (ROE) | 12.1893% | 1,441 |
| Retained earnings to average equity (ytd only) | 4.9635% | 2,439 |
| Net charge-offs to loans | -0.0009% | 4,169 |
| Credit loss provision to net charge-offs | -14,400.0000% | 4,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3747% | 3,024 |
| Assets per employee ($millions) | 5.3031% | 2,244 |
| Cash dividends to net income (ytd only)* | 59.2800% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,474 |
| Loan loss allowance to noncurrent loans | 1,309.5238% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 4,323 |
| Noncurrent loans to loans | 0.0911% | 4,165 |
| Net loans and leases to total assets | 65.0895% | 3,060 |
| Net loans and leases to deposits | 74.9065% | 3,270 |
| Net loans and leases to core deposits | 96.9892% | 1,817 |
| Total domestic deposits to total assets | 86.8944% | 1,666 |
| Equity capital to assets | 10.4627% | 3,487 |
| Core capital (leverage) ratio | 9.2338% | 4,338 |
| Tier 1 risk-based capital ratio | 14.2400% | 3,148 |
| Total risk-based capital ratio | 15.3907% | 3,110 |
| Memoranda: | ||
| Average total assets | $172,744,400 | 3,087 |
| Average earning assets | $163,655,400 | 3,051 |
| Average equity | $17,548,200 | 3,386 |
| Average total loans | $115,648,600 | 2,996 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0604% | 1,391 |
| Cost of funding earning assets | 1.3727% | 635 |
| Net interest margin | 3.6877% | 2,960 |
| Noninterest income to average assets | 0.3392% | 3,700 |
| Noninterest expense to average assets | 2.4602% | 3,536 |
| Loan and lease loss provision to assets | 0.0836% | 2,234 |
| Net operating income to assets | 1.2420% | 2,043 |
| Return on assets (ROA) | 1.2398% | 2,135 |
| Pretax return on assets | 1.2901% | 2,703 |
| Return on Equity (ROE) | 12.2977% | 1,514 |
| Retained earnings to average equity (ytd only) | 5.4845% | 2,631 |
| Net charge-offs to loans | -0.0011% | 4,010 |
| Credit loss provision to net charge-offs | -10,800.0000% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1300% | 2,987 |
| Assets per employee ($millions) | 5.3969% | 2,125 |
| Cash dividends to net income (ytd only)* | 55.4031% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 2,644 |
| Loan loss allowance to noncurrent loans | 1,174.5614% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 3,907 |
| Noncurrent loans to loans | 0.1000% | 4,197 |
| Net loans and leases to total assets | 65.2477% | 3,151 |
| Net loans and leases to deposits | 75.0946% | 3,374 |
| Net loans and leases to core deposits | 99.0306% | 1,739 |
| Total domestic deposits to total assets | 86.8872% | 1,580 |
| Equity capital to assets | 10.5274% | 3,518 |
| Core capital (leverage) ratio | 9.4155% | 4,266 |
| Tier 1 risk-based capital ratio | 15.0908% | 2,806 |
| Total risk-based capital ratio | 16.2899% | 2,758 |
| Memoranda: | ||
| Average total assets | $172,180,000 | 3,121 |
| Average earning assets | $163,276,500 | 3,085 |
| Average equity | $17,357,750 | 3,426 |
| Average total loans | $115,740,000 | 3,026 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9581% | 1,592 |
| Cost of funding earning assets | 1.3768% | 581 |
| Net interest margin | 3.5812% | 3,328 |
| Noninterest income to average assets | 0.3023% | 3,911 |
| Noninterest expense to average assets | 2.4581% | 3,593 |
| Loan and lease loss provision to assets | 0.0837% | 2,171 |
| Net operating income to assets | 1.1120% | 2,479 |
| Return on assets (ROA) | 1.1221% | 2,509 |
| Pretax return on assets | 1.1674% | 3,017 |
| Return on Equity (ROE) | 11.2976% | 1,872 |
| Retained earnings to average equity (ytd only) | 4.7298% | 2,898 |
| Net charge-offs to loans | -0.0017% | 3,932 |
| Credit loss provision to net charge-offs | -7,200.0000% | 4,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4571% | 2,756 |
| Assets per employee ($millions) | 5.4176% | 2,035 |
| Cash dividends to net income (ytd only)* | 58.1347% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,089 |
| Loan loss allowance to noncurrent loans | 2,171.6667% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 4,082 |
| Noncurrent loans to loans | 0.0505% | 4,460 |
| Net loans and leases to total assets | 67.7530% | 2,856 |
| Net loans and leases to deposits | 86.2014% | 2,235 |
| Net loans and leases to core deposits | 113.5123% | 798 |
| Total domestic deposits to total assets | 78.5985% | 4,299 |
| Equity capital to assets | 10.2416% | 3,756 |
| Core capital (leverage) ratio | 9.3995% | 4,250 |
| Tier 1 risk-based capital ratio | 13.4583% | 3,604 |
| Total risk-based capital ratio | 14.5138% | 3,610 |
| Memoranda: | ||
| Average total assets | $172,006,000 | 3,136 |
| Average earning assets | $163,128,330 | 3,099 |
| Average equity | $17,083,330 | 3,458 |
| Average total loans | $116,312,330 | 3,021 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7732% | 1,976 |
| Cost of funding earning assets | 1.3416% | 571 |
| Net interest margin | 3.4316% | 3,805 |
| Noninterest income to average assets | 0.2918% | 3,924 |
| Noninterest expense to average assets | 2.4304% | 3,679 |
| Loan and lease loss provision to assets | 0.0840% | 2,021 |
| Net operating income to assets | 0.9922% | 2,877 |
| Return on assets (ROA) | 0.9922% | 2,912 |
| Pretax return on assets | 1.0319% | 3,339 |
| Return on Equity (ROE) | 10.1508% | 2,302 |
| Retained earnings to average equity (ytd only) | 2.7228% | 3,851 |
| Net charge-offs to loans | -0.0035% | 3,943 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5319% | 2,561 |
| Assets per employee ($millions) | 5.4099% | 2,064 |
| Cash dividends to net income (ytd only)* | 73.1765% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,234 |
| Loan loss allowance to noncurrent loans | 677.5401% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 3,779 |
| Noncurrent loans to loans | 0.1594% | 4,030 |
| Net loans and leases to total assets | 67.0250% | 2,894 |
| Net loans and leases to deposits | 89.2580% | 1,719 |
| Net loans and leases to core deposits | 116.4035% | 636 |
| Total domestic deposits to total assets | 75.0913% | 4,847 |
| Equity capital to assets | 9.8801% | 3,936 |
| Core capital (leverage) ratio | 9.7423% | 3,877 |
| Tier 1 risk-based capital ratio | 13.3769% | 3,680 |
| Total risk-based capital ratio | 14.4176% | 3,703 |
| Memoranda: | ||
| Average total assets | $171,328,000 | 3,178 |
| Average earning assets | $162,489,000 | 3,140 |
| Average equity | $16,747,500 | 3,503 |
| Average total loans | $115,088,000 | 3,077 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 1,909 |
| Cost of funding earning assets | 1.0327% | 661 |
| Net interest margin | 3.6446% | 3,240 |
| Noninterest income to average assets | 0.3440% | 3,812 |
| Noninterest expense to average assets | 2.5345% | 3,509 |
| Loan and lease loss provision to assets | 0.0889% | 2,365 |
| Net operating income to assets | 1.0935% | 2,630 |
| Return on assets (ROA) | 1.0894% | 2,639 |
| Pretax return on assets | 1.1339% | 3,160 |
| Return on Equity (ROE) | 11.1620% | 2,018 |
| Retained earnings to average equity (ytd only) | 4.7015% | 2,932 |
| Net charge-offs to loans | 0.0010% | 3,743 |
| Credit loss provision to net charge-offs | 14,400.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,987.0000% | 47 |
| Efficiency ratio | 67.3781% | 2,643 |
| Assets per employee ($millions) | 5.2981% | 2,148 |
| Cash dividends to net income (ytd only)* | 57.8798% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,176 |
| Loan loss allowance to noncurrent loans | 1,447.0588% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 4,060 |
| Noncurrent loans to loans | 0.0753% | 4,416 |
| Net loans and leases to total assets | 65.8535% | 3,153 |
| Net loans and leases to deposits | 91.8256% | 1,570 |
| Net loans and leases to core deposits | 119.7169% | 553 |
| Total domestic deposits to total assets | 71.7158% | 5,089 |
| Equity capital to assets | 9.6679% | 3,983 |
| Core capital (leverage) ratio | 9.9045% | 3,691 |
| Tier 1 risk-based capital ratio | 13.6515% | 3,461 |
| Total risk-based capital ratio | 14.6856% | 3,489 |
| Memoranda: | ||
| Average total assets | $161,925,400 | 3,250 |
| Average earning assets | $151,842,000 | 3,227 |
| Average equity | $15,803,600 | 3,530 |
| Average total loans | $103,556,800 | 3,239 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 1,945 |
| Cost of funding earning assets | 0.9299% | 804 |
| Net interest margin | 3.6805% | 3,085 |
| Noninterest income to average assets | 0.3308% | 3,942 |
| Noninterest expense to average assets | 2.5471% | 3,451 |
| Loan and lease loss provision to assets | 0.0900% | 2,176 |
| Net operating income to assets | 1.0979% | 2,675 |
| Return on assets (ROA) | 1.0923% | 2,715 |
| Pretax return on assets | 1.1340% | 3,266 |
| Return on Equity (ROE) | 11.1643% | 2,111 |
| Retained earnings to average equity (ytd only) | 4.6582% | 3,418 |
| Net charge-offs to loans | -0.0013% | 4,039 |
| Credit loss provision to net charge-offs | -10,800.0000% | 4,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4388% | 2,639 |
| Assets per employee ($millions) | 5.2157% | 2,209 |
| Cash dividends to net income (ytd only)* | 58.2759% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 3,294 |
| Loan loss allowance to noncurrent loans | 1,407.0588% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 4,179 |
| Noncurrent loans to loans | 0.0769% | 4,533 |
| Net loans and leases to total assets | 65.5454% | 3,239 |
| Net loans and leases to deposits | 94.2086% | 1,363 |
| Net loans and leases to core deposits | 121.9821% | 515 |
| Total domestic deposits to total assets | 69.5748% | 5,234 |
| Equity capital to assets | 9.1995% | 4,367 |
| Core capital (leverage) ratio | 9.9611% | 3,681 |
| Tier 1 risk-based capital ratio | 14.0726% | 3,335 |
| Total risk-based capital ratio | 15.1290% | 3,334 |
| Memoranda: | ||
| Average total assets | $160,021,750 | 3,304 |
| Average earning assets | $149,830,500 | 3,274 |
| Average equity | $15,656,750 | 3,573 |
| Average total loans | $101,226,500 | 3,306 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 2,112 |
| Cost of funding earning assets | 0.8187% | 1,048 |
| Net interest margin | 3.6726% | 3,033 |
| Noninterest income to average assets | 0.3284% | 3,995 |
| Noninterest expense to average assets | 2.5740% | 3,403 |
| Loan and lease loss provision to assets | 0.0913% | 2,100 |
| Net operating income to assets | 1.0618% | 2,747 |
| Return on assets (ROA) | 1.0436% | 2,833 |
| Pretax return on assets | 1.0854% | 3,368 |
| Return on Equity (ROE) | 10.4457% | 2,362 |
| Retained earnings to average equity (ytd only) | 3.7188% | 3,741 |
| Net charge-offs to loans | -0.0020% | 3,947 |
| Credit loss provision to net charge-offs | -7,200.0000% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2812% | 2,595 |
| Assets per employee ($millions) | 4.9260% | 2,516 |
| Cash dividends to net income (ytd only)* | 64.3985% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 3,283 |
| Loan loss allowance to noncurrent loans | 372.9904% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 3,472 |
| Noncurrent loans to loans | 0.2941% | 3,644 |
| Net loans and leases to total assets | 64.3459% | 3,361 |
| Net loans and leases to deposits | 88.4784% | 2,051 |
| Net loans and leases to core deposits | 113.8652% | 799 |
| Total domestic deposits to total assets | 72.7250% | 5,135 |
| Equity capital to assets | 9.5098% | 4,089 |
| Core capital (leverage) ratio | 10.2017% | 3,357 |
| Tier 1 risk-based capital ratio | 14.0052% | 3,356 |
| Total risk-based capital ratio | 15.0480% | 3,376 |
| Memoranda: | ||
| Average total assets | $157,728,670 | 3,351 |
| Average earning assets | $147,798,000 | 3,320 |
| Average equity | $15,757,670 | 3,582 |
| Average total loans | $98,104,670 | 3,370 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 1,920 |
| Cost of funding earning assets | 0.7401% | 1,238 |
| Net interest margin | 3.7419% | 2,643 |
| Noninterest income to average assets | 0.3297% | 3,946 |
| Noninterest expense to average assets | 2.5265% | 3,570 |
| Loan and lease loss provision to assets | 0.0927% | 1,965 |
| Net operating income to assets | 1.1523% | 2,207 |
| Return on assets (ROA) | 1.1152% | 2,377 |
| Pretax return on assets | 1.1615% | 2,926 |
| Return on Equity (ROE) | 10.8883% | 2,014 |
| Retained earnings to average equity (ytd only) | 4.0988% | 3,562 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1497% | 3,132 |
| Assets per employee ($millions) | 4.7797% | 2,758 |
| Cash dividends to net income (ytd only)* | 62.3557% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 2,882 |
| Loan loss allowance to noncurrent loans | 1,262.9213% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 4,220 |
| Noncurrent loans to loans | 0.0941% | 4,553 |
| Net loans and leases to total assets | 61.1183% | 3,630 |
| Net loans and leases to deposits | 80.0344% | 2,807 |
| Net loans and leases to core deposits | 102.7117% | 1,463 |
| Total domestic deposits to total assets | 76.3650% | 4,935 |
| Equity capital to assets | 10.2275% | 3,361 |
| Core capital (leverage) ratio | 10.0881% | 3,439 |
| Tier 1 risk-based capital ratio | 14.5111% | 3,113 |
| Total risk-based capital ratio | 15.5649% | 3,134 |
| Memoranda: | ||
| Average total assets | $155,313,500 | 3,414 |
| Average earning assets | $144,847,500 | 3,393 |
| Average equity | $15,907,000 | 3,601 |
| Average total loans | $94,277,000 | 3,461 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 2,553 |
| Cost of funding earning assets | 0.6204% | 1,468 |
| Net interest margin | 3.6167% | 3,112 |
| Noninterest income to average assets | 0.3971% | 3,656 |
| Noninterest expense to average assets | 2.6598% | 3,257 |
| Loan and lease loss provision to assets | 0.1294% | 1,771 |
| Net operating income to assets | 0.9487% | 2,455 |
| Return on assets (ROA) | 0.9461% | 2,495 |
| Pretax return on assets | 0.9842% | 3,636 |
| Return on Equity (ROE) | 8.7342% | 2,436 |
| Retained earnings to average equity (ytd only) | 4.0810% | 2,727 |
| Net charge-offs to loans | -0.0012% | 4,497 |
| Credit loss provision to net charge-offs | -19,000.0000% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4365% | 2,482 |
| Assets per employee ($millions) | 4.9274% | 2,566 |
| Cash dividends to net income (ytd only)* | 53.2757% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 3,018 |
| Loan loss allowance to noncurrent loans | 2,588.0952% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 4,462 |
| Noncurrent loans to loans | 0.0447% | 4,798 |
| Net loans and leases to total assets | 58.8942% | 3,933 |
| Net loans and leases to deposits | 80.4474% | 2,867 |
| Net loans and leases to core deposits | 103.1834% | 1,476 |
| Total domestic deposits to total assets | 73.2084% | 5,243 |
| Equity capital to assets | 10.2558% | 3,427 |
| Core capital (leverage) ratio | 10.4996% | 2,842 |
| Tier 1 risk-based capital ratio | 14.2311% | 3,235 |
| Total risk-based capital ratio | 15.2400% | 3,272 |
| Memoranda: | ||
| Average total assets | $146,815,400 | 3,508 |
| Average earning assets | $137,167,400 | 3,489 |
| Average equity | $15,903,000 | 3,609 |
| Average total loans | $86,187,600 | 3,608 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 2,609 |
| Cost of funding earning assets | 0.6158% | 1,430 |
| Net interest margin | 3.5868% | 3,204 |
| Noninterest income to average assets | 0.4025% | 3,666 |
| Noninterest expense to average assets | 2.7184% | 2,997 |
| Loan and lease loss provision to assets | 0.1342% | 1,614 |
| Net operating income to assets | 0.8724% | 3,165 |
| Return on assets (ROA) | 0.8688% | 3,229 |
| Pretax return on assets | 0.9040% | 4,031 |
| Return on Equity (ROE) | 7.9058% | 3,172 |
| Retained earnings to average equity (ytd only) | 3.5025% | 3,830 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2933% | 2,164 |
| Assets per employee ($millions) | 4.7319% | 2,790 |
| Cash dividends to net income (ytd only)* | 55.6978% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 3,060 |
| Loan loss allowance to noncurrent loans | 2,669.2308% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 4,670 |
| Noncurrent loans to loans | 0.0440% | 4,916 |
| Net loans and leases to total assets | 57.8365% | 4,075 |
| Net loans and leases to deposits | 81.1956% | 2,853 |
| Net loans and leases to core deposits | 105.8806% | 1,283 |
| Total domestic deposits to total assets | 71.2310% | 5,429 |
| Equity capital to assets | 10.8255% | 3,039 |
| Core capital (leverage) ratio | 10.7510% | 2,705 |
| Tier 1 risk-based capital ratio | 14.8868% | 2,965 |
| Total risk-based capital ratio | 15.9120% | 3,013 |
| Memoranda: | ||
| Average total assets | $144,100,250 | 3,580 |
| Average earning assets | $134,897,250 | 3,556 |
| Average equity | $15,836,000 | 3,651 |
| Average total loans | $84,247,250 | 3,681 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 2,533 |
| Cost of funding earning assets | 0.5985% | 1,460 |
| Net interest margin | 3.5862% | 3,088 |
| Noninterest income to average assets | 0.3925% | 3,734 |
| Noninterest expense to average assets | 2.8138% | 2,705 |
| Loan and lease loss provision to assets | 0.1553% | 1,290 |
| Net operating income to assets | 0.7523% | 3,633 |
| Return on assets (ROA) | 0.7469% | 3,705 |
| Pretax return on assets | 0.7765% | 4,351 |
| Return on Equity (ROE) | 6.7601% | 3,689 |
| Retained earnings to average equity (ytd only) | 2.4280% | 4,229 |
| Net charge-offs to loans | 0.0024% | 3,421 |
| Credit loss provision to net charge-offs | 11,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 664.0000% | 117 |
| Efficiency ratio | 75.0094% | 1,854 |
| Assets per employee ($millions) | 4.4912% | 3,120 |
| Cash dividends to net income (ytd only)* | 64.0832% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 3,127 |
| Loan loss allowance to noncurrent loans | 1,080.6452% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 4,614 |
| Noncurrent loans to loans | 0.1094% | 4,683 |
| Net loans and leases to total assets | 58.4425% | 3,982 |
| Net loans and leases to deposits | 78.9363% | 3,028 |
| Net loans and leases to core deposits | 106.3593% | 1,204 |
| Total domestic deposits to total assets | 74.0375% | 5,288 |
| Equity capital to assets | 11.1948% | 2,600 |
| Core capital (leverage) ratio | 10.7958% | 2,603 |
| Tier 1 risk-based capital ratio | 15.3259% | 2,789 |
| Total risk-based capital ratio | 16.3580% | 2,816 |
| Memoranda: | ||
| Average total assets | $141,660,330 | 3,640 |
| Average earning assets | $132,674,000 | 3,612 |
| Average equity | $15,650,670 | 3,684 |
| Average total loans | $82,790,670 | 3,725 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 2,611 |
| Cost of funding earning assets | 0.5709% | 1,572 |
| Net interest margin | 3.5411% | 3,114 |
| Noninterest income to average assets | 0.3612% | 3,950 |
| Noninterest expense to average assets | 2.6907% | 3,181 |
| Loan and lease loss provision to assets | 0.1849% | 921 |
| Net operating income to assets | 0.7708% | 3,360 |
| Return on assets (ROA) | 0.7708% | 3,417 |
| Pretax return on assets | 0.8021% | 4,105 |
| Return on Equity (ROE) | 7.0246% | 3,388 |
| Retained earnings to average equity (ytd only) | 2.4366% | 4,171 |
| Net charge-offs to loans | 0.0049% | 2,807 |
| Credit loss provision to net charge-offs | 6,500.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 347.0000% | 173 |
| Efficiency ratio | 73.1632% | 2,377 |
| Assets per employee ($millions) | 4.4831% | 3,189 |
| Cash dividends to net income (ytd only)* | 65.3137% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 3,503 |
| Loan loss allowance to noncurrent loans | 10,666.6667% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 5,034 |
| Noncurrent loans to loans | 0.0106% | 5,204 |
| Net loans and leases to total assets | 58.4212% | 3,933 |
| Net loans and leases to deposits | 79.6251% | 2,799 |
| Net loans and leases to core deposits | 96.9799% | 1,749 |
| Total domestic deposits to total assets | 73.3703% | 5,460 |
| Equity capital to assets | 10.8469% | 2,801 |
| Core capital (leverage) ratio | 10.8770% | 2,511 |
| Tier 1 risk-based capital ratio | 15.2474% | 2,856 |
| Total risk-based capital ratio | 16.2325% | 2,901 |
| Memoranda: | ||
| Average total assets | $140,631,000 | 3,686 |
| Average earning assets | $131,711,000 | 3,651 |
| Average equity | $15,431,500 | 3,733 |
| Average total loans | $81,687,000 | 3,777 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 3,217 |
| Cost of funding earning assets | 0.5476% | 1,712 |
| Net interest margin | 3.4435% | 3,648 |
| Noninterest income to average assets | 0.4044% | 3,843 |
| Noninterest expense to average assets | 2.7516% | 3,185 |
| Loan and lease loss provision to assets | 0.0201% | 3,964 |
| Net operating income to assets | 0.8378% | 3,121 |
| Return on assets (ROA) | 0.9472% | 2,707 |
| Pretax return on assets | 0.9822% | 3,535 |
| Return on Equity (ROE) | 7.8678% | 3,016 |
| Retained earnings to average equity (ytd only) | 3.1916% | 3,638 |
| Net charge-offs to loans | -0.0044% | 4,791 |
| Credit loss provision to net charge-offs | -900.0000% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5933% | 2,043 |
| Assets per employee ($millions) | 4.4452% | 3,196 |
| Cash dividends to net income (ytd only)* | 59.4340% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 3,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 5,103 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 56.3903% | 4,230 |
| Net loans and leases to deposits | 72.8132% | 3,633 |
| Net loans and leases to core deposits | 87.2132% | 2,753 |
| Total domestic deposits to total assets | 77.4452% | 5,056 |
| Equity capital to assets | 11.1043% | 2,535 |
| Core capital (leverage) ratio | 11.3362% | 2,052 |
| Tier 1 risk-based capital ratio | 15.7992% | 2,632 |
| Total risk-based capital ratio | 16.7596% | 2,675 |
| Memoranda: | ||
| Average total assets | $134,287,800 | 3,764 |
| Average earning assets | $126,178,000 | 3,718 |
| Average equity | $16,167,200 | 3,672 |
| Average total loans | $68,464,000 | 4,084 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 3,342 |
| Cost of funding earning assets | 0.5484% | 1,712 |
| Net interest margin | 3.4178% | 3,785 |
| Noninterest income to average assets | 0.4058% | 3,882 |
| Noninterest expense to average assets | 2.7564% | 3,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8306% | 3,231 |
| Return on assets (ROA) | 0.9774% | 2,663 |
| Pretax return on assets | 1.0164% | 3,573 |
| Return on Equity (ROE) | 7.9590% | 3,030 |
| Retained earnings to average equity (ytd only) | 3.4750% | 3,815 |
| Net charge-offs to loans | -0.0040% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1458% | 1,959 |
| Assets per employee ($millions) | 4.3484% | 3,335 |
| Cash dividends to net income (ytd only)* | 56.3395% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 3,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,405 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 53.7596% | 4,513 |
| Net loans and leases to deposits | 73.2325% | 3,669 |
| Net loans and leases to core deposits | 90.2039% | 2,559 |
| Total domestic deposits to total assets | 73.4095% | 5,487 |
| Equity capital to assets | 12.4147% | 1,832 |
| Core capital (leverage) ratio | 11.2126% | 2,259 |
| Tier 1 risk-based capital ratio | 16.8647% | 2,273 |
| Total risk-based capital ratio | 17.8567% | 2,327 |
| Memoranda: | ||
| Average total assets | $133,409,250 | 3,799 |
| Average earning assets | $125,459,000 | 3,743 |
| Average equity | $16,383,500 | 3,673 |
| Average total loans | $65,929,250 | 4,171 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,603 |
| Cost of funding earning assets | 0.5423% | 1,763 |
| Net interest margin | 3.3592% | 4,028 |
| Noninterest income to average assets | 0.3972% | 3,887 |
| Noninterest expense to average assets | 2.7846% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7430% | 3,583 |
| Return on assets (ROA) | 0.9553% | 2,750 |
| Pretax return on assets | 0.9929% | 3,617 |
| Return on Equity (ROE) | 7.8075% | 3,082 |
| Retained earnings to average equity (ytd only) | 3.3812% | 3,741 |
| Net charge-offs to loans | -0.0032% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2995% | 1,743 |
| Assets per employee ($millions) | 4.3279% | 3,321 |
| Cash dividends to net income (ytd only)* | 56.6929% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 5,490 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 48.3602% | 4,962 |
| Net loans and leases to deposits | 65.1315% | 4,405 |
| Net loans and leases to core deposits | 80.2975% | 3,433 |
| Total domestic deposits to total assets | 74.2502% | 5,490 |
| Equity capital to assets | 12.5130% | 1,761 |
| Core capital (leverage) ratio | 11.3469% | 2,101 |
| Tier 1 risk-based capital ratio | 17.8555% | 1,976 |
| Total risk-based capital ratio | 18.9093% | 1,988 |
| Memoranda: | ||
| Average total assets | $132,945,670 | 3,827 |
| Average earning assets | $125,028,670 | 3,776 |
| Average equity | $16,266,330 | 3,698 |
| Average total loans | $63,460,330 | 4,246 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 3,534 |
| Cost of funding earning assets | 0.5441% | 1,759 |
| Net interest margin | 3.3707% | 3,976 |
| Noninterest income to average assets | 0.3839% | 3,959 |
| Noninterest expense to average assets | 2.6297% | 3,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8827% | 2,841 |
| Return on assets (ROA) | 0.9582% | 2,589 |
| Pretax return on assets | 0.9975% | 3,490 |
| Return on Equity (ROE) | 7.9223% | 2,957 |
| Retained earnings to average equity (ytd only) | 3.6737% | 3,656 |
| Net charge-offs to loans | -0.0064% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1056% | 2,460 |
| Assets per employee ($millions) | 4.1813% | 3,619 |
| Cash dividends to net income (ytd only)* | 53.6278% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 2,488 |
| Loan loss allowance to noncurrent loans | 7,881.8182% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 5,501 |
| Noncurrent loans to loans | 0.0176% | 5,439 |
| Net loans and leases to total assets | 47.5686% | 5,001 |
| Net loans and leases to deposits | 61.9429% | 4,577 |
| Net loans and leases to core deposits | 76.1548% | 3,669 |
| Total domestic deposits to total assets | 76.7943% | 5,319 |
| Equity capital to assets | 12.6363% | 1,593 |
| Core capital (leverage) ratio | 11.2360% | 2,198 |
| Tier 1 risk-based capital ratio | 18.1694% | 1,941 |
| Total risk-based capital ratio | 19.2522% | 1,954 |
| Memoranda: | ||
| Average total assets | $132,336,500 | 3,873 |
| Average earning assets | $124,246,000 | 3,825 |
| Average equity | $16,005,500 | 3,735 |
| Average total loans | $62,316,000 | 4,304 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7915% | 4,071 |
| Cost of funding earning assets | 0.5384% | 1,853 |
| Net interest margin | 3.2531% | 4,465 |
| Noninterest income to average assets | 0.4046% | 4,000 |
| Noninterest expense to average assets | 2.5408% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8893% | 2,933 |
| Return on assets (ROA) | 0.9375% | 2,754 |
| Pretax return on assets | 0.9749% | 3,560 |
| Return on Equity (ROE) | 7.5934% | 3,195 |
| Retained earnings to average equity (ytd only) | 3.1031% | 3,848 |
| Net charge-offs to loans | 0.0038% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 580.5000% | 110 |
| Efficiency ratio | 73.3165% | 2,688 |
| Assets per employee ($millions) | 4.5018% | 3,046 |
| Cash dividends to net income (ytd only)* | 59.1334% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 2,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,592 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 45.3456% | 5,205 |
| Net loans and leases to deposits | 58.3487% | 4,894 |
| Net loans and leases to core deposits | 70.6893% | 4,251 |
| Total domestic deposits to total assets | 77.7148% | 5,217 |
| Equity capital to assets | 11.5746% | 2,302 |
| Core capital (leverage) ratio | 11.4117% | 2,033 |
| Tier 1 risk-based capital ratio | 18.0405% | 1,954 |
| Total risk-based capital ratio | 19.1190% | 1,954 |
| Memoranda: | ||
| Average total assets | $125,549,400 | 3,970 |
| Average earning assets | $118,132,800 | 3,920 |
| Average equity | $15,500,400 | 3,758 |
| Average total loans | $52,794,200 | 4,588 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8285% | 4,004 |
| Cost of funding earning assets | 0.5428% | 1,865 |
| Net interest margin | 3.2856% | 4,414 |
| Noninterest income to average assets | 0.4092% | 4,015 |
| Noninterest expense to average assets | 2.4983% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9646% | 2,644 |
| Return on assets (ROA) | 0.9688% | 2,710 |
| Pretax return on assets | 1.0078% | 3,582 |
| Return on Equity (ROE) | 7.7149% | 3,226 |
| Retained earnings to average equity (ytd only) | 3.3704% | 4,068 |
| Net charge-offs to loans | 0.0079% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 308.9925% | 236 |
| Efficiency ratio | 71.3447% | 2,988 |
| Assets per employee ($millions) | 4.3331% | 3,270 |
| Cash dividends to net income (ytd only)* | 56.3127% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 2,368 |
| Loan loss allowance to noncurrent loans | 1,601.8519% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 5,487 |
| Noncurrent loans to loans | 0.0905% | 5,269 |
| Net loans and leases to total assets | 45.2343% | 5,278 |
| Net loans and leases to deposits | 59.9441% | 4,863 |
| Net loans and leases to core deposits | 73.9905% | 4,015 |
| Total domestic deposits to total assets | 75.4608% | 5,576 |
| Equity capital to assets | 12.2908% | 1,880 |
| Core capital (leverage) ratio | 11.4053% | 2,117 |
| Tier 1 risk-based capital ratio | 18.0945% | 2,000 |
| Total risk-based capital ratio | 19.1956% | 2,006 |
| Memoranda: | ||
| Average total assets | $123,173,250 | 4,062 |
| Average earning assets | $115,936,000 | 4,009 |
| Average equity | $15,467,500 | 3,801 |
| Average total loans | $50,466,000 | 4,696 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7649% | 4,190 |
| Cost of funding earning assets | 0.5406% | 1,900 |
| Net interest margin | 3.2243% | 4,587 |
| Noninterest income to average assets | 0.4152% | 3,965 |
| Noninterest expense to average assets | 2.4681% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9480% | 2,644 |
| Return on assets (ROA) | 0.9512% | 2,744 |
| Pretax return on assets | 0.9892% | 3,625 |
| Return on Equity (ROE) | 7.5175% | 3,311 |
| Retained earnings to average equity (ytd only) | 2.7324% | 4,319 |
| Net charge-offs to loans | 0.0084% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 298.0000% | 230 |
| Efficiency ratio | 71.4559% | 3,082 |
| Assets per employee ($millions) | 3.9602% | 3,959 |
| Cash dividends to net income (ytd only)* | 63.6522% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 1,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 5,773 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 41.3334% | 5,546 |
| Net loans and leases to deposits | 53.1312% | 5,310 |
| Net loans and leases to core deposits | 65.7420% | 4,675 |
| Total domestic deposits to total assets | 77.7950% | 5,316 |
| Equity capital to assets | 12.3309% | 1,782 |
| Core capital (leverage) ratio | 11.6091% | 1,915 |
| Tier 1 risk-based capital ratio | 19.3713% | 1,704 |
| Total risk-based capital ratio | 20.5940% | 1,679 |
| Memoranda: | ||
| Average total assets | $120,900,330 | 4,142 |
| Average earning assets | $113,947,330 | 4,075 |
| Average equity | $15,297,670 | 3,843 |
| Average total loans | $47,399,330 | 4,840 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7530% | 4,188 |
| Cost of funding earning assets | 0.5377% | 1,947 |
| Net interest margin | 3.2153% | 4,548 |
| Noninterest income to average assets | 0.4134% | 3,891 |
| Noninterest expense to average assets | 2.2473% | 5,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1503% | 1,700 |
| Return on assets (ROA) | 1.1503% | 1,805 |
| Pretax return on assets | 1.1970% | 2,683 |
| Return on Equity (ROE) | 8.9742% | 2,457 |
| Retained earnings to average equity (ytd only) | 4.8382% | 3,154 |
| Net charge-offs to loans | 0.0177% | 2,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 179.5000% | 311 |
| Efficiency ratio | 65.2469% | 4,280 |
| Assets per employee ($millions) | 4.0528% | 3,859 |
| Cash dividends to net income (ytd only)* | 46.0870% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 1,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 5,828 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 37.6171% | 5,742 |
| Net loans and leases to deposits | 51.2598% | 5,375 |
| Net loans and leases to core deposits | 59.5087% | 5,033 |
| Total domestic deposits to total assets | 73.3853% | 5,949 |
| Equity capital to assets | 12.8669% | 1,469 |
| Core capital (leverage) ratio | 11.6935% | 1,857 |
| Tier 1 risk-based capital ratio | 21.0938% | 1,399 |
| Total risk-based capital ratio | 22.3526% | 1,377 |
| Memoranda: | ||
| Average total assets | $119,968,000 | 4,184 |
| Average earning assets | $113,083,000 | 4,117 |
| Average equity | $15,377,500 | 3,860 |
| Average total loans | $45,294,500 | 4,941 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7607% | 4,618 |
| Cost of funding earning assets | 0.5746% | 2,005 |
| Net interest margin | 3.1861% | 4,970 |
| Noninterest income to average assets | 0.3773% | 4,369 |
| Noninterest expense to average assets | 2.2911% | 5,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0289% | 2,270 |
| Return on assets (ROA) | 1.0625% | 2,176 |
| Pretax return on assets | 1.1053% | 3,061 |
| Return on Equity (ROE) | 8.6134% | 2,781 |
| Retained earnings to average equity (ytd only) | 3.4606% | 3,745 |
| Net charge-offs to loans | -0.0316% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1598% | 3,872 |
| Assets per employee ($millions) | 4.3834% | 3,216 |
| Cash dividends to net income (ytd only)* | 59.8229% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 1,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 36.4325% | 5,930 |
| Net loans and leases to deposits | 46.7709% | 5,760 |
| Net loans and leases to core deposits | 54.3054% | 5,486 |
| Total domestic deposits to total assets | 77.8958% | 5,456 |
| Equity capital to assets | 12.7677% | 1,488 |
| Core capital (leverage) ratio | 11.9059% | 1,692 |
| Tier 1 risk-based capital ratio | 20.1067% | 1,576 |
| Total risk-based capital ratio | 21.3702% | 1,545 |
| Memoranda: | ||
| Average total assets | $116,889,000 | 4,243 |
| Average earning assets | $109,475,200 | 4,194 |
| Average equity | $14,419,400 | 3,956 |
| Average total loans | $41,162,200 | 5,139 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 4,649 |
| Cost of funding earning assets | 0.5797% | 2,022 |
| Net interest margin | 3.1931% | 4,990 |
| Noninterest income to average assets | 0.3765% | 4,422 |
| Noninterest expense to average assets | 2.2278% | 5,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0927% | 2,058 |
| Return on assets (ROA) | 1.1179% | 2,029 |
| Pretax return on assets | 1.1625% | 2,938 |
| Return on Equity (ROE) | 9.1435% | 2,605 |
| Retained earnings to average equity (ytd only) | 4.0898% | 3,739 |
| Net charge-offs to loans | -0.0593% | 5,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2245% | 4,185 |
| Assets per employee ($millions) | 4.2394% | 3,401 |
| Cash dividends to net income (ytd only)* | 55.2713% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0282% | 1,209 |
| Loan loss allowance to noncurrent loans | 2,030.2326% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 5,867 |
| Noncurrent loans to loans | 0.0999% | 5,640 |
| Net loans and leases to total assets | 36.8422% | 5,998 |
| Net loans and leases to deposits | 49.2514% | 5,688 |
| Net loans and leases to core deposits | 57.8192% | 5,342 |
| Total domestic deposits to total assets | 74.8043% | 5,939 |
| Equity capital to assets | 12.6083% | 1,632 |
| Core capital (leverage) ratio | 11.4221% | 2,122 |
| Tier 1 risk-based capital ratio | 20.4772% | 1,560 |
| Total risk-based capital ratio | 21.7427% | 1,520 |
| Memoranda: | ||
| Average total assets | $116,523,000 | 4,292 |
| Average earning assets | $109,023,000 | 4,243 |
| Average equity | $14,246,500 | 4,005 |
| Average total loans | $40,456,000 | 5,217 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6984% | 4,869 |
| Cost of funding earning assets | 0.5695% | 2,167 |
| Net interest margin | 3.1288% | 5,165 |
| Noninterest income to average assets | 0.3498% | 4,634 |
| Noninterest expense to average assets | 2.1688% | 5,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0641% | 2,060 |
| Return on assets (ROA) | 1.0887% | 2,034 |
| Pretax return on assets | 1.1313% | 2,967 |
| Return on Equity (ROE) | 8.9956% | 2,603 |
| Retained earnings to average equity (ytd only) | 4.2440% | 3,473 |
| Net charge-offs to loans | -0.0101% | 5,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2324% | 4,328 |
| Assets per employee ($millions) | 4.3940% | 3,096 |
| Cash dividends to net income (ytd only)* | 52.8213% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0855% | 1,209 |
| Loan loss allowance to noncurrent loans | 115.0336% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 4,088 |
| Noncurrent loans to loans | 1.8129% | 1,888 |
| Net loans and leases to total assets | 33.9158% | 6,149 |
| Net loans and leases to deposits | 43.0808% | 6,021 |
| Net loans and leases to core deposits | 49.6055% | 5,818 |
| Total domestic deposits to total assets | 78.7260% | 5,510 |
| Equity capital to assets | 12.3965% | 1,706 |
| Core capital (leverage) ratio | 11.5775% | 1,942 |
| Tier 1 risk-based capital ratio | 20.6645% | 1,520 |
| Total risk-based capital ratio | 21.9298% | 1,491 |
| Memoranda: | ||
| Average total assets | $117,209,330 | 4,299 |
| Average earning assets | $109,562,000 | 4,255 |
| Average equity | $14,184,670 | 4,016 |
| Average total loans | $39,593,330 | 5,296 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 4,789 |
| Cost of funding earning assets | 0.5740% | 2,213 |
| Net interest margin | 3.1423% | 5,112 |
| Noninterest income to average assets | 0.3193% | 4,820 |
| Noninterest expense to average assets | 2.1666% | 5,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0419% | 2,034 |
| Return on assets (ROA) | 0.9958% | 2,287 |
| Pretax return on assets | 1.0370% | 3,182 |
| Return on Equity (ROE) | 8.3312% | 2,777 |
| Retained earnings to average equity (ytd only) | 3.8209% | 3,840 |
| Net charge-offs to loans | -0.0103% | 5,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6315% | 4,424 |
| Assets per employee ($millions) | 4.3195% | 3,306 |
| Cash dividends to net income (ytd only)* | 54.1379% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2410% | 1,105 |
| Loan loss allowance to noncurrent loans | 409.5694% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 5,689 |
| Noncurrent loans to loans | 0.5472% | 4,524 |
| Net loans and leases to total assets | 32.0177% | 6,268 |
| Net loans and leases to deposits | 39.6241% | 6,180 |
| Net loans and leases to core deposits | 45.5628% | 6,013 |
| Total domestic deposits to total assets | 80.8036% | 5,290 |
| Equity capital to assets | 12.2468% | 1,717 |
| Core capital (leverage) ratio | 11.4076% | 2,043 |
| Tier 1 risk-based capital ratio | 21.4210% | 1,389 |
| Total risk-based capital ratio | 22.6718% | 1,369 |
| Memoranda: | ||
| Average total assets | $116,495,000 | 4,353 |
| Average earning assets | $108,710,000 | 4,300 |
| Average equity | $13,923,500 | 4,058 |
| Average total loans | $38,843,000 | 5,361 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 4,848 |
| Cost of funding earning assets | 0.6135% | 2,537 |
| Net interest margin | 3.1768% | 5,071 |
| Noninterest income to average assets | 0.4645% | 3,993 |
| Noninterest expense to average assets | 2.3227% | 5,309 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0524% | 2,108 |
| Return on assets (ROA) | 1.0582% | 2,160 |
| Pretax return on assets | 1.1007% | 2,944 |
| Return on Equity (ROE) | 8.4259% | 2,813 |
| Retained earnings to average equity (ytd only) | 3.1675% | 3,982 |
| Net charge-offs to loans | -0.0999% | 6,477 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9686% | 4,206 |
| Assets per employee ($millions) | 4.6546% | 2,650 |
| Cash dividends to net income (ytd only)* | 62.4079% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1652% | 1,227 |
| Loan loss allowance to noncurrent loans | 1,401.6393% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 6,215 |
| Noncurrent loans to loans | 0.1545% | 5,732 |
| Net loans and leases to total assets | 33.2010% | 6,324 |
| Net loans and leases to deposits | 41.6539% | 6,249 |
| Net loans and leases to core deposits | 47.5923% | 6,057 |
| Total domestic deposits to total assets | 79.7068% | 5,509 |
| Equity capital to assets | 11.6565% | 2,060 |
| Core capital (leverage) ratio | 11.4170% | 2,021 |
| Tier 1 risk-based capital ratio | 20.2537% | 1,598 |
| Total risk-based capital ratio | 21.5038% | 1,565 |
| Memoranda: | ||
| Average total assets | $115,385,200 | 4,376 |
| Average earning assets | $107,245,400 | 4,333 |
| Average equity | $14,491,000 | 3,966 |
| Average total loans | $41,052,800 | 5,300 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 4,857 |
| Cost of funding earning assets | 0.6214% | 2,636 |
| Net interest margin | 3.1794% | 5,058 |
| Noninterest income to average assets | 0.5049% | 3,770 |
| Noninterest expense to average assets | 2.3021% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1094% | 1,975 |
| Return on assets (ROA) | 1.1395% | 1,929 |
| Pretax return on assets | 1.1846% | 2,766 |
| Return on Equity (ROE) | 8.9112% | 2,679 |
| Retained earnings to average equity (ytd only) | 3.7401% | 4,028 |
| Net charge-offs to loans | -0.1287% | 6,563 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6220% | 4,370 |
| Assets per employee ($millions) | 4.4457% | 2,969 |
| Cash dividends to net income (ytd only)* | 58.0280% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1302% | 1,447 |
| Loan loss allowance to noncurrent loans | 21,350.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 6,517 |
| Noncurrent loans to loans | 0.0100% | 6,345 |
| Net loans and leases to total assets | 33.9456% | 6,361 |
| Net loans and leases to deposits | 43.8740% | 6,208 |
| Net loans and leases to core deposits | 51.0493% | 5,946 |
| Total domestic deposits to total assets | 77.3705% | 5,994 |
| Equity capital to assets | 11.9943% | 1,920 |
| Core capital (leverage) ratio | 11.6031% | 1,947 |
| Tier 1 risk-based capital ratio | 19.8689% | 1,763 |
| Total risk-based capital ratio | 21.1193% | 1,735 |
| Memoranda: | ||
| Average total assets | $115,140,500 | 4,427 |
| Average earning assets | $106,850,250 | 4,385 |
| Average equity | $14,722,750 | 3,967 |
| Average total loans | $41,443,750 | 5,339 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 4,802 |
| Cost of funding earning assets | 0.6242% | 2,738 |
| Net interest margin | 3.1848% | 4,993 |
| Noninterest income to average assets | 0.5374% | 3,587 |
| Noninterest expense to average assets | 2.3271% | 5,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1216% | 1,856 |
| Return on assets (ROA) | 1.1583% | 1,824 |
| Pretax return on assets | 1.2036% | 2,659 |
| Return on Equity (ROE) | 8.8747% | 2,667 |
| Retained earnings to average equity (ytd only) | 4.0776% | 3,697 |
| Net charge-offs to loans | -0.1766% | 6,635 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6335% | 4,425 |
| Assets per employee ($millions) | 4.5704% | 2,695 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0552% | 1,731 |
| Loan loss allowance to noncurrent loans | 515.7576% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 6,065 |
| Noncurrent loans to loans | 0.3985% | 5,273 |
| Net loans and leases to total assets | 35.4957% | 6,329 |
| Net loans and leases to deposits | 44.0665% | 6,223 |
| Net loans and leases to core deposits | 50.4472% | 6,001 |
| Total domestic deposits to total assets | 80.5503% | 5,462 |
| Equity capital to assets | 12.1557% | 1,805 |
| Core capital (leverage) ratio | 11.3045% | 2,088 |
| Tier 1 risk-based capital ratio | 19.2605% | 1,920 |
| Total risk-based capital ratio | 20.5108% | 1,890 |
| Memoranda: | ||
| Average total assets | $114,991,330 | 4,465 |
| Average earning assets | $106,693,000 | 4,419 |
| Average equity | $15,009,000 | 3,942 |
| Average total loans | $41,894,670 | 5,337 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7774% | 4,898 |
| Cost of funding earning assets | 0.6302% | 2,844 |
| Net interest margin | 3.1472% | 5,104 |
| Noninterest income to average assets | 0.4889% | 3,855 |
| Noninterest expense to average assets | 2.3128% | 5,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0455% | 2,057 |
| Return on assets (ROA) | 1.0888% | 2,010 |
| Pretax return on assets | 1.1304% | 2,847 |
| Return on Equity (ROE) | 8.0673% | 2,942 |
| Retained earnings to average equity (ytd only) | 3.6483% | 4,055 |
| Net charge-offs to loans | -0.0570% | 6,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0612% | 4,294 |
| Assets per employee ($millions) | 4.3089% | 3,320 |
| Cash dividends to net income (ytd only)* | 54.7771% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0131% | 2,009 |
| Loan loss allowance to noncurrent loans | 252.3077% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 5,679 |
| Noncurrent loans to loans | 0.7979% | 4,525 |
| Net loans and leases to total assets | 34.3072% | 6,402 |
| Net loans and leases to deposits | 42.9898% | 6,273 |
| Net loans and leases to core deposits | 49.6931% | 5,991 |
| Total domestic deposits to total assets | 79.8032% | 5,794 |
| Equity capital to assets | 13.2714% | 1,308 |
| Core capital (leverage) ratio | 11.2830% | 2,023 |
| Tier 1 risk-based capital ratio | 20.0153% | 1,766 |
| Total risk-based capital ratio | 21.2650% | 1,740 |
| Memoranda: | ||
| Average total assets | $115,357,500 | 4,499 |
| Average earning assets | $106,635,500 | 4,455 |
| Average equity | $15,569,000 | 3,896 |
| Average total loans | $42,138,000 | 5,372 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1277% | 4,849 |
| Cost of funding earning assets | 0.7766% | 2,858 |
| Net interest margin | 3.3512% | 5,066 |
| Noninterest income to average assets | 0.6606% | 2,932 |
| Noninterest expense to average assets | 2.5266% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1987% | 1,610 |
| Return on assets (ROA) | 1.3213% | 1,383 |
| Pretax return on assets | 1.3725% | 2,131 |
| Return on Equity (ROE) | 9.4786% | 2,415 |
| Retained earnings to average equity (ytd only) | 3.4239% | 3,818 |
| Net charge-offs to loans | 0.1441% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 21.9841% | 1,280 |
| Efficiency ratio | 66.9924% | 4,332 |
| Assets per employee ($millions) | 4.0848% | 3,779 |
| Cash dividends to net income (ytd only)* | 63.8776% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 2,389 |
| Loan loss allowance to noncurrent loans | 245.1807% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 5,753 |
| Noncurrent loans to loans | 0.7625% | 4,658 |
| Net loans and leases to total assets | 37.3587% | 6,346 |
| Net loans and leases to deposits | 47.4962% | 6,142 |
| Net loans and leases to core deposits | 55.3169% | 5,770 |
| Total domestic deposits to total assets | 78.6562% | 5,959 |
| Equity capital to assets | 13.7250% | 1,142 |
| Core capital (leverage) ratio | 11.1615% | 2,112 |
| Tier 1 risk-based capital ratio | 19.2761% | 1,873 |
| Total risk-based capital ratio | 20.5135% | 1,850 |
| Memoranda: | ||
| Average total assets | $111,257,800 | 4,567 |
| Average earning assets | $103,277,200 | 4,506 |
| Average equity | $15,508,600 | 3,857 |
| Average total loans | $43,720,200 | 5,344 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 4,895 |
| Cost of funding earning assets | 0.8030% | 2,916 |
| Net interest margin | 3.3745% | 5,122 |
| Noninterest income to average assets | 0.6988% | 2,718 |
| Noninterest expense to average assets | 2.4897% | 5,118 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2910% | 1,464 |
| Return on assets (ROA) | 1.4289% | 1,282 |
| Pretax return on assets | 1.4868% | 1,928 |
| Return on Equity (ROE) | 10.2102% | 2,247 |
| Retained earnings to average equity (ytd only) | 4.4325% | 3,776 |
| Net charge-offs to loans | 0.2163% | 3,428 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 15.6767% | 1,740 |
| Efficiency ratio | 64.9559% | 4,632 |
| Assets per employee ($millions) | 3.8956% | 4,097 |
| Cash dividends to net income (ytd only)* | 56.5877% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 2,466 |
| Loan loss allowance to noncurrent loans | 239.1691% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 5,905 |
| Noncurrent loans to loans | 0.7956% | 4,815 |
| Net loans and leases to total assets | 36.7796% | 6,499 |
| Net loans and leases to deposits | 47.3273% | 6,295 |
| Net loans and leases to core deposits | 54.8666% | 5,978 |
| Total domestic deposits to total assets | 77.7133% | 6,132 |
| Equity capital to assets | 14.1804% | 1,087 |
| Core capital (leverage) ratio | 11.2744% | 2,160 |
| Tier 1 risk-based capital ratio | 20.8585% | 1,564 |
| Total risk-based capital ratio | 22.1087% | 1,528 |
| Memoranda: | ||
| Average total assets | $110,478,500 | 4,626 |
| Average earning assets | $102,611,250 | 4,586 |
| Average equity | $15,461,250 | 3,902 |
| Average total loans | $43,764,500 | 5,400 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 4,859 |
| Cost of funding earning assets | 0.8216% | 3,017 |
| Net interest margin | 3.4044% | 5,066 |
| Noninterest income to average assets | 0.7095% | 2,617 |
| Noninterest expense to average assets | 2.4916% | 5,168 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3249% | 1,374 |
| Return on assets (ROA) | 1.3407% | 1,486 |
| Pretax return on assets | 1.3936% | 2,219 |
| Return on Equity (ROE) | 9.6236% | 2,522 |
| Retained earnings to average equity (ytd only) | 4.1113% | 3,870 |
| Net charge-offs to loans | 0.3301% | 2,709 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.3425% | 2,062 |
| Efficiency ratio | 64.4036% | 4,816 |
| Assets per employee ($millions) | 3.8801% | 4,123 |
| Cash dividends to net income (ytd only)* | 57.2789% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8746% | 2,630 |
| Loan loss allowance to noncurrent loans | 208.2902% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 5,879 |
| Noncurrent loans to loans | 0.9000% | 4,696 |
| Net loans and leases to total assets | 37.4025% | 6,526 |
| Net loans and leases to deposits | 47.9509% | 6,314 |
| Net loans and leases to core deposits | 57.5142% | 5,811 |
| Total domestic deposits to total assets | 78.0016% | 6,152 |
| Equity capital to assets | 13.9359% | 1,126 |
| Core capital (leverage) ratio | 11.2172% | 2,110 |
| Tier 1 risk-based capital ratio | 20.2282% | 1,652 |
| Total risk-based capital ratio | 21.4795% | 1,622 |
| Memoranda: | ||
| Average total assets | $109,647,000 | 4,677 |
| Average earning assets | $101,750,000 | 4,631 |
| Average equity | $15,275,000 | 3,927 |
| Average total loans | $44,233,670 | 5,419 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 4,826 |
| Cost of funding earning assets | 0.8466% | 3,090 |
| Net interest margin | 3.4304% | 4,994 |
| Noninterest income to average assets | 0.5730% | 3,399 |
| Noninterest expense to average assets | 2.5136% | 5,103 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1866% | 1,783 |
| Return on assets (ROA) | 1.1866% | 1,959 |
| Pretax return on assets | 1.2346% | 2,791 |
| Return on Equity (ROE) | 8.5191% | 3,050 |
| Retained earnings to average equity (ytd only) | 2.4682% | 5,023 |
| Net charge-offs to loans | -0.0267% | 6,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0611% | 4,346 |
| Assets per employee ($millions) | 3.8116% | 4,402 |
| Cash dividends to net income (ytd only)* | 71.0280% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0887% | 2,130 |
| Loan loss allowance to noncurrent loans | 151.2027% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 5,461 |
| Noncurrent loans to loans | 1.3814% | 4,045 |
| Net loans and leases to total assets | 37.3191% | 6,541 |
| Net loans and leases to deposits | 47.1424% | 6,349 |
| Net loans and leases to core deposits | 56.9891% | 5,818 |
| Total domestic deposits to total assets | 79.1624% | 6,038 |
| Equity capital to assets | 13.6815% | 1,154 |
| Core capital (leverage) ratio | 11.3838% | 1,975 |
| Tier 1 risk-based capital ratio | 20.9366% | 1,508 |
| Total risk-based capital ratio | 22.1903% | 1,478 |
| Memoranda: | ||
| Average total assets | $108,209,500 | 4,747 |
| Average earning assets | $100,163,000 | 4,694 |
| Average equity | $15,072,000 | 3,979 |
| Average total loans | $44,905,500 | 5,429 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7588% | 3,990 |
| Cost of funding earning assets | 1.0603% | 2,955 |
| Net interest margin | 3.6984% | 4,300 |
| Noninterest income to average assets | 0.5793% | 3,303 |
| Noninterest expense to average assets | 2.5945% | 5,119 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3806% | 1,061 |
| Return on assets (ROA) | 1.3577% | 1,209 |
| Pretax return on assets | 1.4139% | 1,739 |
| Return on Equity (ROE) | 10.3907% | 1,924 |
| Retained earnings to average equity (ytd only) | 3.9375% | 3,401 |
| Net charge-offs to loans | 0.0628% | 5,671 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 52.0345% | 537 |
| Efficiency ratio | 64.3431% | 5,063 |
| Assets per employee ($millions) | 3.7815% | 4,362 |
| Cash dividends to net income (ytd only)* | 62.1053% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 2,745 |
| Loan loss allowance to noncurrent loans | 1,392.0635% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 6,803 |
| Noncurrent loans to loans | 0.1321% | 6,479 |
| Net loans and leases to total assets | 44.2026% | 6,192 |
| Net loans and leases to deposits | 58.3237% | 5,668 |
| Net loans and leases to core deposits | 72.2983% | 4,473 |
| Total domestic deposits to total assets | 75.7884% | 6,510 |
| Equity capital to assets | 14.1864% | 1,008 |
| Core capital (leverage) ratio | 11.2685% | 2,066 |
| Tier 1 risk-based capital ratio | 19.4487% | 1,779 |
| Total risk-based capital ratio | 20.7005% | 1,746 |
| Memoranda: | ||
| Average total assets | $104,954,600 | 4,756 |
| Average earning assets | $97,987,400 | 4,686 |
| Average equity | $13,714,200 | 4,186 |
| Average total loans | $46,172,200 | 5,422 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 4,193 |
| Cost of funding earning assets | 1.0731% | 3,157 |
| Net interest margin | 3.6858% | 4,399 |
| Noninterest income to average assets | 0.5678% | 3,386 |
| Noninterest expense to average assets | 2.5387% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4207% | 1,117 |
| Return on assets (ROA) | 1.3547% | 1,341 |
| Pretax return on assets | 1.4107% | 1,915 |
| Return on Equity (ROE) | 10.5967% | 1,993 |
| Retained earnings to average equity (ytd only) | 4.3522% | 3,630 |
| Net charge-offs to loans | 0.1252% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 27.0241% | 1,002 |
| Efficiency ratio | 63.1812% | 5,199 |
| Assets per employee ($millions) | 3.8498% | 4,194 |
| Cash dividends to net income (ytd only)* | 58.9287% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 2,903 |
| Loan loss allowance to noncurrent loans | 1,514.0351% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 6,914 |
| Noncurrent loans to loans | 0.1197% | 6,636 |
| Net loans and leases to total assets | 43.3907% | 6,393 |
| Net loans and leases to deposits | 61.1252% | 5,500 |
| Net loans and leases to core deposits | 77.2814% | 4,006 |
| Total domestic deposits to total assets | 70.9866% | 6,987 |
| Equity capital to assets | 13.8875% | 1,203 |
| Core capital (leverage) ratio | 11.2307% | 2,211 |
| Tier 1 risk-based capital ratio | 19.1437% | 1,885 |
| Total risk-based capital ratio | 20.3881% | 1,863 |
| Memoranda: | ||
| Average total assets | $104,722,500 | 4,796 |
| Average earning assets | $98,030,500 | 4,719 |
| Average equity | $13,387,500 | 4,272 |
| Average total loans | $45,795,250 | 5,476 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 4,449 |
| Cost of funding earning assets | 1.0835% | 3,365 |
| Net interest margin | 3.6365% | 4,575 |
| Noninterest income to average assets | 0.5342% | 3,603 |
| Noninterest expense to average assets | 2.5362% | 5,415 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3599% | 1,166 |
| Return on assets (ROA) | 1.2247% | 1,578 |
| Pretax return on assets | 1.2749% | 2,227 |
| Return on Equity (ROE) | 9.8756% | 2,163 |
| Retained earnings to average equity (ytd only) | 2.7061% | 4,565 |
| Net charge-offs to loans | -0.0266% | 6,891 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1776% | 5,209 |
| Assets per employee ($millions) | 3.5112% | 4,917 |
| Cash dividends to net income (ytd only)* | 72.5984% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9514% | 2,507 |
| Loan loss allowance to noncurrent loans | 418.3486% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 6,525 |
| Noncurrent loans to loans | 0.4664% | 5,974 |
| Net loans and leases to total assets | 45.0027% | 6,352 |
| Net loans and leases to deposits | 59.4091% | 5,787 |
| Net loans and leases to core deposits | 71.6851% | 4,852 |
| Total domestic deposits to total assets | 75.7506% | 6,636 |
| Equity capital to assets | 13.2688% | 1,401 |
| Core capital (leverage) ratio | 11.5628% | 1,869 |
| Tier 1 risk-based capital ratio | 19.6324% | 1,684 |
| Total risk-based capital ratio | 20.8855% | 1,657 |
| Memoranda: | ||
| Average total assets | $103,698,330 | 4,864 |
| Average earning assets | $97,457,670 | 4,772 |
| Average equity | $12,860,000 | 4,373 |
| Average total loans | $45,181,670 | 5,548 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7062% | 4,494 |
| Cost of funding earning assets | 1.0942% | 3,564 |
| Net interest margin | 3.6120% | 4,517 |
| Noninterest income to average assets | 0.5467% | 3,535 |
| Noninterest expense to average assets | 2.5192% | 5,486 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3686% | 1,120 |
| Return on assets (ROA) | 1.3686% | 1,169 |
| Pretax return on assets | 1.4221% | 1,667 |
| Return on Equity (ROE) | 11.4245% | 1,616 |
| Retained earnings to average equity (ytd only) | 3.5741% | 4,042 |
| Net charge-offs to loans | -0.0090% | 6,342 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9185% | 5,375 |
| Assets per employee ($millions) | 3.5483% | 4,878 |
| Cash dividends to net income (ytd only)* | 68.7151% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0845% | 2,218 |
| Loan loss allowance to noncurrent loans | 4,319.0476% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 7,046 |
| Noncurrent loans to loans | 0.0483% | 6,928 |
| Net loans and leases to total assets | 41.4033% | 6,682 |
| Net loans and leases to deposits | 55.5448% | 6,170 |
| Net loans and leases to core deposits | 68.2800% | 5,257 |
| Total domestic deposits to total assets | 74.5403% | 6,850 |
| Equity capital to assets | 12.2255% | 1,775 |
| Core capital (leverage) ratio | 11.3063% | 1,953 |
| Tier 1 risk-based capital ratio | 20.7867% | 1,435 |
| Total risk-based capital ratio | 22.0405% | 1,414 |
| Memoranda: | ||
| Average total assets | $104,635,000 | 4,876 |
| Average earning assets | $98,338,500 | 4,782 |
| Average equity | $12,534,500 | 4,434 |
| Average total loans | $44,404,500 | 5,638 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2965% | 3,147 |
| Cost of funding earning assets | 1.3264% | 3,711 |
| Net interest margin | 3.9700% | 3,152 |
| Noninterest income to average assets | 0.5630% | 3,721 |
| Noninterest expense to average assets | 2.7146% | 4,926 |
| Loan and lease loss provision to assets | 0.2217% | 5,053 |
| Net operating income to assets | 1.2864% | 1,210 |
| Return on assets (ROA) | 1.6436% | 621 |
| Pretax return on assets | 1.7120% | 918 |
| Return on Equity (ROE) | 13.4787% | 988 |
| Retained earnings to average equity (ytd only) | 7.5259% | 1,139 |
| Net charge-offs to loans | 0.1494% | 5,457 |
| Credit loss provision to net charge-offs | 338.2353% | 760 |
| Earnings coverage of net charge-offs (x) | 23.8235% | 889 |
| Efficiency ratio | 63.4806% | 5,432 |
| Assets per employee ($millions) | 3.6679% | 4,528 |
| Cash dividends to net income (ytd only)* | 44.1642% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0001% | 2,304 |
| Loan loss allowance to noncurrent loans | 170.3008% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 5,976 |
| Noncurrent loans to loans | 1.1744% | 4,758 |
| Net loans and leases to total assets | 41.7336% | 6,861 |
| Net loans and leases to deposits | 56.6738% | 6,382 |
| Net loans and leases to core deposits | 71.1501% | 5,313 |
| Total domestic deposits to total assets | 73.6382% | 6,933 |
| Equity capital to assets | 11.7411% | 2,092 |
| Core capital (leverage) ratio | 10.8640% | 2,259 |
| Tier 1 risk-based capital ratio | 20.0176% | 1,485 |
| Total risk-based capital ratio | 21.2713% | 1,455 |
| Memoranda: | ||
| Average total assets | $103,736,000 | 4,880 |
| Average earning assets | $97,027,200 | 4,804 |
| Average equity | $12,649,600 | 4,447 |
| Average total loans | $45,502,800 | 5,685 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4455% | 2,667 |
| Cost of funding earning assets | 1.3697% | 3,782 |
| Net interest margin | 4.0758% | 2,733 |
| Noninterest income to average assets | 0.5264% | 3,972 |
| Noninterest expense to average assets | 2.6633% | 5,036 |
| Loan and lease loss provision to assets | 0.2393% | 4,688 |
| Net operating income to assets | 1.3735% | 1,158 |
| Return on assets (ROA) | 1.7721% | 592 |
| Pretax return on assets | 1.8458% | 852 |
| Return on Equity (ROE) | 14.3945% | 955 |
| Retained earnings to average equity (ytd only) | 8.8153% | 1,116 |
| Net charge-offs to loans | 0.0585% | 5,925 |
| Credit loss provision to net charge-offs | 925.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 64.5403% | 464 |
| Efficiency ratio | 61.4627% | 5,715 |
| Assets per employee ($millions) | 3.5775% | 4,784 |
| Cash dividends to net income (ytd only)* | 38.7590% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0209% | 2,170 |
| Loan loss allowance to noncurrent loans | 172.4858% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 6,074 |
| Noncurrent loans to loans | 1.1716% | 4,905 |
| Net loans and leases to total assets | 42.4793% | 6,950 |
| Net loans and leases to deposits | 57.6740% | 6,487 |
| Net loans and leases to core deposits | 71.7407% | 5,543 |
| Total domestic deposits to total assets | 73.6542% | 6,967 |
| Equity capital to assets | 13.3623% | 1,411 |
| Core capital (leverage) ratio | 11.2348% | 2,110 |
| Tier 1 risk-based capital ratio | 20.3755% | 1,470 |
| Total risk-based capital ratio | 21.6290% | 1,446 |
| Memoranda: | ||
| Average total assets | $103,077,500 | 4,963 |
| Average earning assets | $96,272,750 | 4,882 |
| Average equity | $12,689,750 | 4,503 |
| Average total loans | $45,554,000 | 5,762 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6140% | 2,081 |
| Cost of funding earning assets | 1.4191% | 3,750 |
| Net interest margin | 4.1948% | 2,170 |
| Noninterest income to average assets | 0.5017% | 4,105 |
| Noninterest expense to average assets | 2.6542% | 5,109 |
| Loan and lease loss provision to assets | 0.2722% | 4,212 |
| Net operating income to assets | 1.4304% | 1,034 |
| Return on assets (ROA) | 1.8784% | 463 |
| Pretax return on assets | 1.9562% | 658 |
| Return on Equity (ROE) | 15.7090% | 736 |
| Retained earnings to average equity (ytd only) | 11.3833% | 583 |
| Net charge-offs to loans | 0.2273% | 4,238 |
| Credit loss provision to net charge-offs | 269.2308% | 1,402 |
| Earnings coverage of net charge-offs (x) | 17.4231% | 1,344 |
| Efficiency ratio | 60.1057% | 6,030 |
| Assets per employee ($millions) | 3.6575% | 4,572 |
| Cash dividends to net income (ytd only)* | 27.5362% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 2,650 |
| Loan loss allowance to noncurrent loans | 69.6234% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.2020% | 4,737 |
| Noncurrent loans to loans | 2.6221% | 3,018 |
| Net loans and leases to total assets | 43.6901% | 6,948 |
| Net loans and leases to deposits | 57.0018% | 6,656 |
| Net loans and leases to core deposits | 70.2567% | 5,846 |
| Total domestic deposits to total assets | 76.6468% | 6,576 |
| Equity capital to assets | 12.9841% | 1,577 |
| Core capital (leverage) ratio | 11.0713% | 2,184 |
| Tier 1 risk-based capital ratio | 20.2339% | 1,477 |
| Total risk-based capital ratio | 21.4871% | 1,445 |
| Memoranda: | ||
| Average total assets | $102,854,330 | 4,996 |
| Average earning assets | $95,975,000 | 4,925 |
| Average equity | $12,298,670 | 4,595 |
| Average total loans | $45,745,330 | 5,777 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4366% | 2,875 |
| Cost of funding earning assets | 1.4695% | 3,743 |
| Net interest margin | 3.9672% | 3,013 |
| Noninterest income to average assets | 0.4307% | 4,658 |
| Noninterest expense to average assets | 2.5961% | 5,373 |
| Loan and lease loss provision to assets | 0.1746% | 4,774 |
| Net operating income to assets | 1.3045% | 1,286 |
| Return on assets (ROA) | 1.6919% | 678 |
| Pretax return on assets | 1.7618% | 952 |
| Return on Equity (ROE) | 14.7803% | 912 |
| Retained earnings to average equity (ytd only) | 12.6785% | 667 |
| Net charge-offs to loans | -0.2007% | 7,673 |
| Credit loss provision to net charge-offs | -195.6522% | 6,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8759% | 5,683 |
| Assets per employee ($millions) | 3.6168% | 4,780 |
| Cash dividends to net income (ytd only)* | 14.2202% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 2,707 |
| Loan loss allowance to noncurrent loans | 48.6519% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 1.7192% | 3,894 |
| Noncurrent loans to loans | 3.7149% | 2,143 |
| Net loans and leases to total assets | 43.5622% | 7,028 |
| Net loans and leases to deposits | 56.4672% | 6,735 |
| Net loans and leases to core deposits | 69.3927% | 5,963 |
| Total domestic deposits to total assets | 77.1460% | 6,525 |
| Equity capital to assets | 11.9059% | 2,100 |
| Core capital (leverage) ratio | 10.6573% | 2,489 |
| Tier 1 risk-based capital ratio | 19.7945% | 1,560 |
| Total risk-based capital ratio | 21.0463% | 1,527 |
| Memoranda: | ||
| Average total assets | $103,076,500 | 5,059 |
| Average earning assets | $96,089,000 | 4,986 |
| Average equity | $11,799,500 | 4,766 |
| Average total loans | $45,830,500 | 5,848 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8469% | 2,451 |
| Cost of funding earning assets | 1.7672% | 4,163 |
| Net interest margin | 4.0797% | 2,532 |
| Noninterest income to average assets | 0.5372% | 4,127 |
| Noninterest expense to average assets | 2.7669% | 5,100 |
| Loan and lease loss provision to assets | 0.2666% | 5,276 |
| Net operating income to assets | 1.2381% | 1,157 |
| Return on assets (ROA) | 1.3516% | 987 |
| Pretax return on assets | 1.4337% | 1,351 |
| Return on Equity (ROE) | 11.7360% | 1,224 |
| Retained earnings to average equity (ytd only) | 4.4629% | 2,128 |
| Net charge-offs to loans | 0.5654% | 3,526 |
| Credit loss provision to net charge-offs | 99.6390% | 5,596 |
| Earnings coverage of net charge-offs (x) | 5.9025% | 2,474 |
| Efficiency ratio | 63.6586% | 5,839 |
| Assets per employee ($millions) | 3.7459% | 4,404 |
| Cash dividends to net income (ytd only)* | 61.9728% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 3,318 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 5,197 |
| Noncurrent loans to loans | 1.8573% | 3,852 |
| Net loans and leases to total assets | 43.8484% | 7,126 |
| Net loans and leases to deposits | 57.5731% | 6,812 |
| Net loans and leases to core deposits | 82.6460% | 5,856 |
| Total domestic deposits to total assets | 76.1613% | 6,647 |
| Equity capital to assets | 11.0045% | 2,701 |
| Core capital (leverage) ratio | 10.5134% | 2,592 |
| Tier 1 risk-based capital ratio | 18.5400% | 1,743 |
| Total risk-based capital ratio | 19.7906% | 1,706 |
| Memoranda: | ||
| Average total assets | $103,509,000 | 4,996 |
| Average earning assets | $96,649,200 | 4,934 |
| Average equity | $11,920,600 | 4,769 |
| Average total loans | $48,991,400 | 5,719 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1028% | 1,643 |
| Cost of funding earning assets | 1.8296% | 4,238 |
| Net interest margin | 4.2732% | 1,797 |
| Noninterest income to average assets | 0.5389% | 4,168 |
| Noninterest expense to average assets | 2.7153% | 5,257 |
| Loan and lease loss provision to assets | 0.1680% | 5,677 |
| Net operating income to assets | 1.5519% | 730 |
| Return on assets (ROA) | 1.6491% | 659 |
| Pretax return on assets | 1.7525% | 878 |
| Return on Equity (ROE) | 14.1594% | 898 |
| Retained earnings to average equity (ytd only) | 4.5386% | 2,738 |
| Net charge-offs to loans | 0.3713% | 3,796 |
| Credit loss provision to net charge-offs | 94.2029% | 5,365 |
| Earnings coverage of net charge-offs (x) | 10.1882% | 1,992 |
| Efficiency ratio | 59.9088% | 6,427 |
| Assets per employee ($millions) | 3.4098% | 5,146 |
| Cash dividends to net income (ytd only)* | 67.9467% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 3,335 |
| Loan loss allowance to noncurrent loans | 379.8969% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 6,734 |
| Noncurrent loans to loans | 0.3994% | 6,542 |
| Net loans and leases to total assets | 48.3744% | 6,922 |
| Net loans and leases to deposits | 64.2106% | 6,474 |
| Net loans and leases to core deposits | 88.2679% | 5,614 |
| Total domestic deposits to total assets | 75.3370% | 6,711 |
| Equity capital to assets | 12.0524% | 2,216 |
| Core capital (leverage) ratio | 10.2091% | 3,056 |
| Tier 1 risk-based capital ratio | 18.2329% | 1,927 |
| Total risk-based capital ratio | 19.4827% | 1,871 |
| Memoranda: | ||
| Average total assets | $103,165,250 | 5,040 |
| Average earning assets | $96,412,250 | 4,970 |
| Average equity | $12,015,250 | 4,786 |
| Average total loans | $49,555,750 | 5,743 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0953% | 1,805 |
| Cost of funding earning assets | 1.8844% | 4,352 |
| Net interest margin | 4.2108% | 1,953 |
| Noninterest income to average assets | 0.5029% | 4,419 |
| Noninterest expense to average assets | 2.5738% | 5,842 |
| Loan and lease loss provision to assets | 0.1644% | 5,417 |
| Net operating income to assets | 1.5825% | 704 |
| Return on assets (ROA) | 1.6235% | 718 |
| Pretax return on assets | 1.7439% | 946 |
| Return on Equity (ROE) | 14.0940% | 972 |
| Retained earnings to average equity (ytd only) | 4.3328% | 2,889 |
| Net charge-offs to loans | -0.1403% | 7,999 |
| Credit loss provision to net charge-offs | -245.7143% | 6,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9922% | 6,869 |
| Assets per employee ($millions) | 3.2237% | 5,524 |
| Cash dividends to net income (ytd only)* | 69.2580% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7394% | 2,211 |
| Loan loss allowance to noncurrent loans | 133.0261% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 5,618 |
| Noncurrent loans to loans | 1.3075% | 4,591 |
| Net loans and leases to total assets | 47.4239% | 7,081 |
| Net loans and leases to deposits | 64.8721% | 6,484 |
| Net loans and leases to core deposits | 91.7242% | 5,374 |
| Total domestic deposits to total assets | 73.1037% | 7,095 |
| Equity capital to assets | 11.5501% | 2,507 |
| Core capital (leverage) ratio | 9.8946% | 3,400 |
| Tier 1 risk-based capital ratio | 17.3382% | 2,197 |
| Total risk-based capital ratio | 18.5910% | 2,138 |
| Memoranda: | ||
| Average total assets | $104,592,000 | 5,028 |
| Average earning assets | $97,748,000 | 4,960 |
| Average equity | $12,047,670 | 4,804 |
| Average total loans | $49,883,670 | 5,773 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1387% | 1,802 |
| Cost of funding earning assets | 1.9974% | 4,145 |
| Net interest margin | 4.1413% | 2,121 |
| Noninterest income to average assets | 0.4824% | 4,481 |
| Noninterest expense to average assets | 2.5297% | 5,729 |
| Loan and lease loss provision to assets | 0.1557% | 4,939 |
| Net operating income to assets | 1.5004% | 935 |
| Return on assets (ROA) | 1.5004% | 1,005 |
| Pretax return on assets | 1.6637% | 1,261 |
| Return on Equity (ROE) | 13.0428% | 1,378 |
| Retained earnings to average equity (ytd only) | 13.0428% | 634 |
| Net charge-offs to loans | -0.2243% | 8,027 |
| Credit loss provision to net charge-offs | -146.4286% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1659% | 6,676 |
| Assets per employee ($millions) | 3.7175% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 2,388 |
| Loan loss allowance to noncurrent loans | 117.1223% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 5,281 |
| Noncurrent loans to loans | 1.3947% | 4,219 |
| Net loans and leases to total assets | 47.0929% | 7,096 |
| Net loans and leases to deposits | 63.5661% | 6,597 |
| Net loans and leases to core deposits | 89.6995% | 5,585 |
| Total domestic deposits to total assets | 74.0849% | 6,876 |
| Equity capital to assets | 11.6822% | 2,461 |
| Core capital (leverage) ratio | 10.1783% | 3,214 |
| Tier 1 risk-based capital ratio | 17.4494% | 2,203 |
| Total risk-based capital ratio | 18.7013% | 2,146 |
| Memoranda: | ||
| Average total assets | $105,308,500 | 5,029 |
| Average earning assets | $98,326,500 | 4,963 |
| Average equity | $12,114,000 | 4,807 |
| Average total loans | $49,931,500 | 5,796 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4864% | 3,025 |
| Cost of funding earning assets | 2.7311% | 3,017 |
| Net interest margin | 3.7553% | 4,205 |
| Noninterest income to average assets | 0.6466% | 3,497 |
| Noninterest expense to average assets | 2.5228% | 5,922 |
| Loan and lease loss provision to assets | 0.4620% | 2,985 |
| Net operating income to assets | 1.1273% | 2,043 |
| Return on assets (ROA) | 1.1969% | 1,711 |
| Pretax return on assets | 1.2467% | 2,492 |
| Return on Equity (ROE) | 12.1631% | 1,555 |
| Retained earnings to average equity (ytd only) | 8.0435% | 836 |
| Net charge-offs to loans | 0.9103% | 1,362 |
| Credit loss provision to net charge-offs | 101.7456% | 5,234 |
| Earnings coverage of net charge-offs (x) | 3.6035% | 4,298 |
| Efficiency ratio | 60.6589% | 6,228 |
| Assets per employee ($millions) | 3.6471% | 4,291 |
| Cash dividends to net income (ytd only)* | 33.8694% | 3,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 2,930 |
| Loan loss allowance to noncurrent loans | 104.2071% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.8522% | 4,713 |
| Noncurrent loans to loans | 1.3910% | 3,731 |
| Net loans and leases to total assets | 48.0231% | 7,188 |
| Net loans and leases to deposits | 65.1723% | 6,702 |
| Net loans and leases to core deposits | 102.0201% | 4,608 |
| Total domestic deposits to total assets | 73.6863% | 6,703 |
| Equity capital to assets | 10.6518% | 3,340 |
| Core capital (leverage) ratio | 9.3900% | 4,171 |
| Tier 1 risk-based capital ratio | 15.5490% | 2,827 |
| Total risk-based capital ratio | 16.7433% | 2,783 |
| Memoranda: | ||
| Average total assets | $88,313,200 | 5,409 |
| Average earning assets | $82,604,200 | 5,342 |
| Average equity | $8,690,200 | 5,845 |
| Average total loans | $44,051,400 | 5,975 |