Home > First Sentinel Bank > Performance and Condition Ratios
First Sentinel 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 | 5.5262% | 1,125 |
| Cost of funding earning assets | 1.8416% | 1,180 |
| Net interest margin | 3.6846% | 1,791 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.7793% | 1,556 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.8284% | 2,779 |
| Return on assets (ROA) | 0.8793% | 2,577 |
| Pretax return on assets | 1.1297% | 2,321 |
| Return on Equity (ROE) | 9.9900% | 2,497 |
| Retained earnings to average equity (ytd only) | 6.3747% | 2,102 |
| Net charge-offs to loans | 0.3068% | 350 |
| Credit loss provision to net charge-offs | 68.7563% | 2,097 |
| Earnings coverage of net charge-offs (x) | 4.8220% | 2,560 |
| Efficiency ratio | 69.1067% | 2,000 |
| Assets per employee ($millions) | 4.5095% | 3,949 |
| Cash dividends to net income (ytd only)* | 36.2074% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,161 |
| Loan loss allowance to noncurrent loans | 1,034.2857% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 2,454 |
| Noncurrent loans to loans | 0.1182% | 2,933 |
| Net loans and leases to total assets | 81.0700% | 522 |
| Net loans and leases to deposits | 90.8870% | 1,194 |
| Net loans and leases to core deposits | 105.7337% | 1,125 |
| Total domestic deposits to total assets | 89.2000% | 1,008 |
| Equity capital to assets | 8.8269% | 2,801 |
| Core capital (leverage) ratio | 8.8668% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7151% | 2,332 |
| Memoranda: | ||
| Average total assets | $383,835,600 | 2,063 |
| Average earning assets | $359,630,000 | 2,046 |
| Average equity | $33,774,200 | 2,104 |
| Average total loans | $322,394,400 | 1,715 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3836% | 1,154 |
| Cost of funding earning assets | 1.6939% | 1,199 |
| Net interest margin | 3.6897% | 1,800 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.8121% | 1,407 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.7553% | 3,149 |
| Return on assets (ROA) | 0.8236% | 2,941 |
| Pretax return on assets | 1.0681% | 2,664 |
| Return on Equity (ROE) | 9.3700% | 2,832 |
| Retained earnings to average equity (ytd only) | 4.5027% | 3,103 |
| Net charge-offs to loans | 0.3458% | 252 |
| Credit loss provision to net charge-offs | 76.0192% | 1,776 |
| Earnings coverage of net charge-offs (x) | 4.1199% | 2,412 |
| Efficiency ratio | 70.0253% | 1,776 |
| Assets per employee ($millions) | 4.7483% | 3,775 |
| Cash dividends to net income (ytd only)* | 51.9353% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,086 |
| Loan loss allowance to noncurrent loans | 1,286.4780% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 2,517 |
| Noncurrent loans to loans | 0.0975% | 3,093 |
| Net loans and leases to total assets | 81.7600% | 458 |
| Net loans and leases to deposits | 91.4859% | 1,097 |
| Net loans and leases to core deposits | 106.2751% | 1,000 |
| Total domestic deposits to total assets | 89.3600% | 1,137 |
| Equity capital to assets | 8.6164% | 2,655 |
| Core capital (leverage) ratio | 8.6492% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3434% | 2,496 |
| Memoranda: | ||
| Average total assets | $380,586,500 | 2,077 |
| Average earning assets | $356,479,000 | 2,056 |
| Average equity | $33,460,750 | 2,103 |
| Average total loans | $321,572,500 | 1,711 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1872% | 1,232 |
| Cost of funding earning assets | 1.4516% | 1,334 |
| Net interest margin | 3.7357% | 1,745 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.7973% | 1,420 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.9046% | 2,740 |
| Return on assets (ROA) | 0.9046% | 2,727 |
| Pretax return on assets | 1.1700% | 2,444 |
| Return on Equity (ROE) | 10.2200% | 2,637 |
| Retained earnings to average equity (ytd only) | 6.1571% | 2,566 |
| Net charge-offs to loans | 0.3075% | 272 |
| Credit loss provision to net charge-offs | 82.7236% | 1,541 |
| Earnings coverage of net charge-offs (x) | 5.2988% | 2,176 |
| Efficiency ratio | 66.8616% | 2,121 |
| Assets per employee ($millions) | 4.5493% | 3,916 |
| Cash dividends to net income (ytd only)* | 39.7413% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,069 |
| Loan loss allowance to noncurrent loans | 856.8228% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 2,192 |
| Noncurrent loans to loans | 0.1483% | 2,724 |
| Net loans and leases to total assets | 83.5700% | 302 |
| Net loans and leases to deposits | 95.3080% | 771 |
| Net loans and leases to core deposits | 105.7795% | 994 |
| Total domestic deposits to total assets | 87.6800% | 1,712 |
| Equity capital to assets | 8.6596% | 2,740 |
| Core capital (leverage) ratio | 9.0738% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1404% | 2,590 |
| Memoranda: | ||
| Average total assets | $376,078,333 | 2,100 |
| Average earning assets | $352,174,000 | 2,084 |
| Average equity | $33,295,000 | 2,129 |
| Average total loans | $319,997,000 | 1,705 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 1,269 |
| Cost of funding earning assets | 1.2035% | 1,440 |
| Net interest margin | 3.7759% | 1,733 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.9601% | 1,132 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.9661% | 2,635 |
| Return on assets (ROA) | 0.9661% | 2,597 |
| Pretax return on assets | 1.2451% | 2,316 |
| Return on Equity (ROE) | 10.7900% | 2,547 |
| Retained earnings to average equity (ytd only) | 2.5816% | 3,584 |
| Net charge-offs to loans | 0.4109% | 195 |
| Credit loss provision to net charge-offs | 54.4892% | 1,294 |
| Earnings coverage of net charge-offs (x) | 4.0960% | 1,863 |
| Efficiency ratio | 67.3333% | 2,056 |
| Assets per employee ($millions) | 4.1569% | 4,188 |
| Cash dividends to net income (ytd only)* | 76.0674% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 2,033 |
| Loan loss allowance to noncurrent loans | 756.3869% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 1,836 |
| Noncurrent loans to loans | 0.1720% | 2,622 |
| Net loans and leases to total assets | 84.0500% | 233 |
| Net loans and leases to deposits | 94.4932% | 756 |
| Net loans and leases to core deposits | 114.9731% | 562 |
| Total domestic deposits to total assets | 88.9500% | 1,560 |
| Equity capital to assets | 8.8538% | 2,629 |
| Core capital (leverage) ratio | 9.1436% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5674% | 2,550 |
| Memoranda: | ||
| Average total assets | $368,496,500 | 2,161 |
| Average earning assets | $345,982,500 | 2,140 |
| Average equity | $33,002,500 | 2,165 |
| Average total loans | $314,412,500 | 1,742 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 280 |
| Cost of funding earning assets | 0.4686% | 885 |
| Net interest margin | 4.3410% | 313 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.9136% | 1,028 |
| Loan and lease loss provision to assets | 0.3600% | 169 |
| Net operating income to assets | 1.1216% | 1,997 |
| Return on assets (ROA) | 1.1216% | 1,966 |
| Pretax return on assets | 1.4435% | 1,588 |
| Return on Equity (ROE) | 12.3900% | 1,915 |
| Retained earnings to average equity (ytd only) | 7.5322% | 2,179 |
| Net charge-offs to loans | 0.4269% | 149 |
| Credit loss provision to net charge-offs | 98.3069% | 1,344 |
| Earnings coverage of net charge-offs (x) | 4.9450% | 2,160 |
| Efficiency ratio | 61.7907% | 2,856 |
| Assets per employee ($millions) | 4.1330% | 4,260 |
| Cash dividends to net income (ytd only)* | 39.2231% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 1,689 |
| Loan loss allowance to noncurrent loans | 1,055.5556% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 1,971 |
| Noncurrent loans to loans | 0.1303% | 2,985 |
| Net loans and leases to total assets | 85.2400% | 167 |
| Net loans and leases to deposits | 97.4181% | 478 |
| Net loans and leases to core deposits | 107.0545% | 560 |
| Total domestic deposits to total assets | 87.5000% | 2,592 |
| Equity capital to assets | 8.9039% | 2,279 |
| Core capital (leverage) ratio | 9.1876% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3141% | 2,716 |
| Memoranda: | ||
| Average total assets | $345,815,750 | 2,255 |
| Average earning assets | $324,096,750 | 2,234 |
| Average equity | $31,296,000 | 2,312 |
| Average total loans | $295,124,000 | 1,735 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 222 |
| Cost of funding earning assets | 0.4158% | 830 |
| Net interest margin | 4.3817% | 233 |
| Noninterest income to average assets | 0.6359% | 1,594 |
| Noninterest expense to average assets | 2.8655% | 1,042 |
| Loan and lease loss provision to assets | 0.3675% | 160 |
| Net operating income to assets | 1.1740% | 1,522 |
| Return on assets (ROA) | 1.1740% | 1,502 |
| Pretax return on assets | 1.5098% | 1,142 |
| Return on Equity (ROE) | 12.8993% | 1,407 |
| Retained earnings to average equity (ytd only) | 9.9047% | 1,047 |
| Net charge-offs to loans | 0.5588% | 120 |
| Credit loss provision to net charge-offs | 77.4074% | 1,398 |
| Earnings coverage of net charge-offs (x) | 3.9543% | 1,975 |
| Efficiency ratio | 60.4177% | 3,244 |
| Assets per employee ($millions) | 4.0816% | 4,327 |
| Cash dividends to net income (ytd only)* | 23.2152% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 1,869 |
| Loan loss allowance to noncurrent loans | 971.3948% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 1,931 |
| Noncurrent loans to loans | 0.1414% | 2,996 |
| Net loans and leases to total assets | 85.0306% | 133 |
| Net loans and leases to deposits | 97.5226% | 360 |
| Net loans and leases to core deposits | 106.6170% | 430 |
| Total domestic deposits to total assets | 87.1906% | 2,873 |
| Equity capital to assets | 9.1820% | 2,249 |
| Core capital (leverage) ratio | 9.3014% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8105% | 2,564 |
| Memoranda: | ||
| Average total assets | $341,230,667 | 2,288 |
| Average earning assets | $319,831,333 | 2,271 |
| Average equity | $31,056,000 | 2,368 |
| Average total loans | $289,908,667 | 1,755 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 210 |
| Cost of funding earning assets | 0.4032% | 848 |
| Net interest margin | 4.3635% | 213 |
| Noninterest income to average assets | 0.6537% | 1,478 |
| Noninterest expense to average assets | 2.9316% | 909 |
| Loan and lease loss provision to assets | 0.3854% | 141 |
| Net operating income to assets | 1.1112% | 1,502 |
| Return on assets (ROA) | 1.1112% | 1,493 |
| Pretax return on assets | 1.4304% | 1,178 |
| Return on Equity (ROE) | 12.2651% | 1,239 |
| Retained earnings to average equity (ytd only) | 6.1978% | 2,180 |
| Net charge-offs to loans | 0.6744% | 100 |
| Credit loss provision to net charge-offs | 67.7755% | 1,143 |
| Earnings coverage of net charge-offs (x) | 3.1933% | 1,678 |
| Efficiency ratio | 61.7530% | 3,294 |
| Assets per employee ($millions) | 4.1658% | 4,318 |
| Cash dividends to net income (ytd only)* | 49.4681% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,712 |
| Loan loss allowance to noncurrent loans | 504.3902% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 1,299 |
| Noncurrent loans to loans | 0.2875% | 2,442 |
| Net loans and leases to total assets | 82.2847% | 148 |
| Net loans and leases to deposits | 94.3082% | 347 |
| Net loans and leases to core deposits | 101.9773% | 445 |
| Total domestic deposits to total assets | 87.2509% | 2,831 |
| Equity capital to assets | 9.0333% | 2,682 |
| Core capital (leverage) ratio | 9.1295% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7633% | 2,695 |
| Memoranda: | ||
| Average total assets | $338,376,000 | 2,307 |
| Average earning assets | $317,451,500 | 2,300 |
| Average equity | $30,656,000 | 2,449 |
| Average total loans | $285,306,000 | 1,767 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2883% | 172 |
| Cost of funding earning assets | 0.5745% | 618 |
| Net interest margin | 4.7138% | 202 |
| Noninterest income to average assets | 0.5725% | 2,268 |
| Noninterest expense to average assets | 2.9059% | 1,136 |
| Loan and lease loss provision to assets | 0.5101% | 110 |
| Net operating income to assets | 1.2269% | 1,828 |
| Return on assets (ROA) | 1.2362% | 1,851 |
| Pretax return on assets | 1.5841% | 1,470 |
| Return on Equity (ROE) | 13.8239% | 1,239 |
| Retained earnings to average equity (ytd only) | 9.7469% | 980 |
| Net charge-offs to loans | 0.1966% | 495 |
| Credit loss provision to net charge-offs | 301.8282% | 1,057 |
| Earnings coverage of net charge-offs (x) | 12.3218% | 2,119 |
| Efficiency ratio | 58.2533% | 3,409 |
| Assets per employee ($millions) | 4.2969% | 4,274 |
| Cash dividends to net income (ytd only)* | 29.4926% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,539 |
| Loan loss allowance to noncurrent loans | 476.7778% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5266% | 1,270 |
| Noncurrent loans to loans | 0.3153% | 2,458 |
| Net loans and leases to total assets | 83.8725% | 113 |
| Net loans and leases to deposits | 96.1655% | 307 |
| Net loans and leases to core deposits | 104.5384% | 399 |
| Total domestic deposits to total assets | 87.2169% | 2,426 |
| Equity capital to assets | 9.0867% | 3,529 |
| Core capital (leverage) ratio | 9.1123% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2485% | 2,546 |
| Memoranda: | ||
| Average total assets | $323,650,600 | 2,325 |
| Average earning assets | $303,194,800 | 2,319 |
| Average equity | $28,942,600 | 2,599 |
| Average total loans | $278,282,400 | 1,795 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3983% | 173 |
| Cost of funding earning assets | 0.6094% | 612 |
| Net interest margin | 4.7890% | 198 |
| Noninterest income to average assets | 0.5682% | 2,340 |
| Noninterest expense to average assets | 2.9137% | 1,105 |
| Loan and lease loss provision to assets | 0.5300% | 99 |
| Net operating income to assets | 1.2690% | 1,924 |
| Return on assets (ROA) | 1.2815% | 1,940 |
| Pretax return on assets | 1.6252% | 1,625 |
| Return on Equity (ROE) | 14.3905% | 1,286 |
| Retained earnings to average equity (ytd only) | 9.1860% | 1,624 |
| Net charge-offs to loans | 0.2102% | 393 |
| Credit loss provision to net charge-offs | 292.4312% | 1,016 |
| Earnings coverage of net charge-offs (x) | 11.8050% | 1,981 |
| Efficiency ratio | 57.6623% | 3,326 |
| Assets per employee ($millions) | 4.2795% | 4,281 |
| Cash dividends to net income (ytd only)* | 36.1661% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 1,875 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 1,392 |
| Noncurrent loans to loans | 0.3257% | 2,615 |
| Net loans and leases to total assets | 84.0429% | 114 |
| Net loans and leases to deposits | 96.1717% | 343 |
| Net loans and leases to core deposits | 104.7968% | 436 |
| Total domestic deposits to total assets | 87.3883% | 2,167 |
| Equity capital to assets | 8.9852% | 3,845 |
| Core capital (leverage) ratio | 9.1083% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5191% | 2,859 |
| Memoranda: | ||
| Average total assets | $320,773,250 | 2,366 |
| Average earning assets | $300,405,500 | 2,357 |
| Average equity | $28,564,500 | 2,647 |
| Average total loans | $276,503,500 | 1,842 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4182% | 191 |
| Cost of funding earning assets | 0.6479% | 582 |
| Net interest margin | 4.7703% | 231 |
| Noninterest income to average assets | 0.5506% | 2,403 |
| Noninterest expense to average assets | 2.9900% | 1,003 |
| Loan and lease loss provision to assets | 0.5657% | 82 |
| Net operating income to assets | 1.1496% | 2,368 |
| Return on assets (ROA) | 1.1684% | 2,360 |
| Pretax return on assets | 1.4799% | 2,078 |
| Return on Equity (ROE) | 13.1624% | 1,660 |
| Retained earnings to average equity (ytd only) | 9.7956% | 1,463 |
| Net charge-offs to loans | 0.1353% | 589 |
| Credit loss provision to net charge-offs | 483.3333% | 690 |
| Earnings coverage of net charge-offs (x) | 17.2742% | 1,584 |
| Efficiency ratio | 59.6610% | 3,059 |
| Assets per employee ($millions) | 4.2026% | 4,326 |
| Cash dividends to net income (ytd only)* | 25.5789% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 1,997 |
| Loan loss allowance to noncurrent loans | 256.7479% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 1,078 |
| Noncurrent loans to loans | 0.5432% | 2,042 |
| Net loans and leases to total assets | 86.3316% | 74 |
| Net loans and leases to deposits | 99.0300% | 285 |
| Net loans and leases to core deposits | 106.6745% | 451 |
| Total domestic deposits to total assets | 87.1772% | 2,227 |
| Equity capital to assets | 9.0870% | 3,721 |
| Core capital (leverage) ratio | 9.0968% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2505% | 2,630 |
| Memoranda: | ||
| Average total assets | $317,857,667 | 2,368 |
| Average earning assets | $297,259,000 | 2,369 |
| Average equity | $28,216,667 | 2,657 |
| Average total loans | $275,016,667 | 1,858 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2704% | 245 |
| Cost of funding earning assets | 0.7135% | 520 |
| Net interest margin | 4.5568% | 331 |
| Noninterest income to average assets | 0.6068% | 2,174 |
| Noninterest expense to average assets | 3.0200% | 961 |
| Loan and lease loss provision to assets | 0.6598% | 82 |
| Net operating income to assets | 0.9322% | 3,040 |
| Return on assets (ROA) | 0.9322% | 3,115 |
| Pretax return on assets | 1.1808% | 2,898 |
| Return on Equity (ROE) | 10.6281% | 2,487 |
| Retained earnings to average equity (ytd only) | 4.7316% | 3,306 |
| Net charge-offs to loans | 0.1804% | 441 |
| Credit loss provision to net charge-offs | 425.2033% | 633 |
| Earnings coverage of net charge-offs (x) | 11.8618% | 1,436 |
| Efficiency ratio | 62.1334% | 2,735 |
| Assets per employee ($millions) | 3.9415% | 4,512 |
| Cash dividends to net income (ytd only)* | 55.4804% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 2,451 |
| Loan loss allowance to noncurrent loans | 628.1961% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 1,978 |
| Noncurrent loans to loans | 0.2064% | 3,364 |
| Net loans and leases to total assets | 86.6181% | 76 |
| Net loans and leases to deposits | 100.0187% | 286 |
| Net loans and leases to core deposits | 106.3372% | 498 |
| Total domestic deposits to total assets | 86.6019% | 2,479 |
| Equity capital to assets | 8.8703% | 3,816 |
| Core capital (leverage) ratio | 8.9511% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0538% | 2,922 |
| Memoranda: | ||
| Average total assets | $317,086,500 | 2,359 |
| Average earning assets | $295,995,500 | 2,359 |
| Average equity | $27,813,000 | 2,684 |
| Average total loans | $272,703,500 | 1,867 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5971% | 158 |
| Cost of funding earning assets | 1.0576% | 479 |
| Net interest margin | 4.5396% | 306 |
| Noninterest income to average assets | 0.4718% | 2,768 |
| Noninterest expense to average assets | 2.8764% | 1,746 |
| Loan and lease loss provision to assets | 0.6854% | 244 |
| Net operating income to assets | 0.9084% | 2,657 |
| Return on assets (ROA) | 0.9084% | 2,791 |
| Pretax return on assets | 1.1581% | 2,487 |
| Return on Equity (ROE) | 10.5188% | 1,801 |
| Retained earnings to average equity (ytd only) | 6.8594% | 1,444 |
| Net charge-offs to loans | 0.5167% | 304 |
| Credit loss provision to net charge-offs | 156.0326% | 2,388 |
| Earnings coverage of net charge-offs (x) | 4.1969% | 3,014 |
| Efficiency ratio | 60.9423% | 3,325 |
| Assets per employee ($millions) | 3.9856% | 4,386 |
| Cash dividends to net income (ytd only)* | 34.7888% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 3,023 |
| Loan loss allowance to noncurrent loans | 220.2488% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7329% | 1,412 |
| Noncurrent loans to loans | 0.5385% | 2,364 |
| Net loans and leases to total assets | 83.2699% | 213 |
| Net loans and leases to deposits | 98.9730% | 415 |
| Net loans and leases to core deposits | 108.6385% | 554 |
| Total domestic deposits to total assets | 84.1340% | 3,074 |
| Equity capital to assets | 8.6736% | 4,315 |
| Core capital (leverage) ratio | 8.6340% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6842% | 2,740 |
| Memoranda: | ||
| Average total assets | $307,569,200 | 2,262 |
| Average earning assets | $287,825,600 | 2,242 |
| Average equity | $26,562,000 | 2,706 |
| Average total loans | $261,481,800 | 1,862 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5242% | 221 |
| Cost of funding earning assets | 1.1089% | 520 |
| Net interest margin | 4.4154% | 459 |
| Noninterest income to average assets | 0.5268% | 2,494 |
| Noninterest expense to average assets | 2.9453% | 1,573 |
| Loan and lease loss provision to assets | 0.6930% | 309 |
| Net operating income to assets | 0.7897% | 3,128 |
| Return on assets (ROA) | 0.7897% | 3,245 |
| Pretax return on assets | 1.0172% | 3,007 |
| Return on Equity (ROE) | 9.1546% | 2,336 |
| Retained earnings to average equity (ytd only) | 4.5291% | 2,784 |
| Net charge-offs to loans | 0.4364% | 362 |
| Credit loss provision to net charge-offs | 186.3529% | 2,160 |
| Earnings coverage of net charge-offs (x) | 4.5988% | 2,804 |
| Efficiency ratio | 63.2647% | 2,871 |
| Assets per employee ($millions) | 3.9384% | 4,365 |
| Cash dividends to net income (ytd only)* | 50.5263% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 2,955 |
| Loan loss allowance to noncurrent loans | 175.6802% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 1,361 |
| Noncurrent loans to loans | 0.6527% | 2,158 |
| Net loans and leases to total assets | 86.5673% | 128 |
| Net loans and leases to deposits | 104.5291% | 372 |
| Net loans and leases to core deposits | 114.0573% | 552 |
| Total domestic deposits to total assets | 82.8165% | 3,188 |
| Equity capital to assets | 8.4815% | 4,474 |
| Core capital (leverage) ratio | 8.4670% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6086% | 3,007 |
| Memoranda: | ||
| Average total assets | $304,748,750 | 2,249 |
| Average earning assets | $284,968,250 | 2,244 |
| Average equity | $26,288,500 | 2,710 |
| Average total loans | $259,678,750 | 1,863 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6181% | 269 |
| Cost of funding earning assets | 1.1856% | 527 |
| Net interest margin | 4.4324% | 578 |
| Noninterest income to average assets | 0.5277% | 2,452 |
| Noninterest expense to average assets | 2.9213% | 1,782 |
| Loan and lease loss provision to assets | 0.6963% | 402 |
| Net operating income to assets | 0.8138% | 2,994 |
| Return on assets (ROA) | 0.8138% | 3,112 |
| Pretax return on assets | 1.0567% | 2,848 |
| Return on Equity (ROE) | 9.3789% | 2,211 |
| Retained earnings to average equity (ytd only) | 6.0359% | 2,066 |
| Net charge-offs to loans | 0.2454% | 641 |
| Credit loss provision to net charge-offs | 336.2179% | 1,542 |
| Earnings coverage of net charge-offs (x) | 8.4647% | 2,286 |
| Efficiency ratio | 62.4964% | 3,049 |
| Assets per employee ($millions) | 4.1567% | 4,149 |
| Cash dividends to net income (ytd only)* | 35.6444% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 2,666 |
| Loan loss allowance to noncurrent loans | 242.3106% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 1,764 |
| Noncurrent loans to loans | 0.4829% | 2,701 |
| Net loans and leases to total assets | 83.5764% | 287 |
| Net loans and leases to deposits | 103.8896% | 381 |
| Net loans and leases to core deposits | 113.5926% | 613 |
| Total domestic deposits to total assets | 80.4473% | 3,740 |
| Equity capital to assets | 8.3165% | 4,580 |
| Core capital (leverage) ratio | 8.4040% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7087% | 3,043 |
| Memoranda: | ||
| Average total assets | $301,306,667 | 2,244 |
| Average earning assets | $281,876,667 | 2,233 |
| Average equity | $26,143,667 | 2,707 |
| Average total loans | $254,266,333 | 1,871 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8005% | 220 |
| Cost of funding earning assets | 1.3184% | 538 |
| Net interest margin | 4.4821% | 526 |
| Noninterest income to average assets | 0.5947% | 2,062 |
| Noninterest expense to average assets | 2.9870% | 1,909 |
| Loan and lease loss provision to assets | 0.7139% | 366 |
| Net operating income to assets | 0.8399% | 2,750 |
| Return on assets (ROA) | 0.8399% | 2,840 |
| Pretax return on assets | 1.0907% | 2,554 |
| Return on Equity (ROE) | 9.4648% | 1,928 |
| Retained earnings to average equity (ytd only) | 3.7211% | 2,796 |
| Net charge-offs to loans | 0.3999% | 362 |
| Credit loss provision to net charge-offs | 211.7886% | 1,388 |
| Earnings coverage of net charge-offs (x) | 5.3537% | 2,066 |
| Efficiency ratio | 62.3391% | 3,459 |
| Assets per employee ($millions) | 3.8575% | 4,109 |
| Cash dividends to net income (ytd only)* | 60.6852% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,299 |
| Loan loss allowance to noncurrent loans | 243.2554% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 1,846 |
| Noncurrent loans to loans | 0.4448% | 2,922 |
| Net loans and leases to total assets | 83.2474% | 331 |
| Net loans and leases to deposits | 99.4498% | 593 |
| Net loans and leases to core deposits | 112.3986% | 739 |
| Total domestic deposits to total assets | 83.7080% | 2,879 |
| Equity capital to assets | 8.7624% | 4,710 |
| Core capital (leverage) ratio | 8.8754% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3755% | 2,982 |
| Memoranda: | ||
| Average total assets | $291,928,000 | 2,254 |
| Average earning assets | $273,355,500 | 2,239 |
| Average equity | $25,906,500 | 2,713 |
| Average total loans | $246,067,000 | 1,891 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8662% | 288 |
| Cost of funding earning assets | 1.3188% | 734 |
| Net interest margin | 4.5475% | 656 |
| Noninterest income to average assets | 0.5940% | 2,257 |
| Noninterest expense to average assets | 2.8110% | 2,565 |
| Loan and lease loss provision to assets | 0.5660% | 216 |
| Net operating income to assets | 1.1448% | 2,274 |
| Return on assets (ROA) | 1.1448% | 2,371 |
| Pretax return on assets | 1.4731% | 1,892 |
| Return on Equity (ROE) | 12.8282% | 1,225 |
| Retained earnings to average equity (ytd only) | 9.4185% | 608 |
| Net charge-offs to loans | 0.7253% | 229 |
| Credit loss provision to net charge-offs | 95.4044% | 2,585 |
| Earnings coverage of net charge-offs (x) | 3.4369% | 3,322 |
| Efficiency ratio | 57.9567% | 3,969 |
| Assets per employee ($millions) | 3.8244% | 4,129 |
| Cash dividends to net income (ytd only)* | 26.5799% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,485 |
| Loan loss allowance to noncurrent loans | 192.3990% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8821% | 1,445 |
| Noncurrent loans to loans | 0.5216% | 2,620 |
| Net loans and leases to total assets | 83.5800% | 361 |
| Net loans and leases to deposits | 100.1090% | 599 |
| Net loans and leases to core deposits | 113.6646% | 690 |
| Total domestic deposits to total assets | 83.4890% | 3,024 |
| Equity capital to assets | 8.9901% | 4,686 |
| Core capital (leverage) ratio | 8.9655% | 4,555 |
| Tier 1 risk-based capital ratio | 11.5604% | 4,596 |
| Total risk-based capital ratio | 12.6498% | 4,561 |
| Memoranda: | ||
| Average total assets | $275,067,000 | 2,304 |
| Average earning assets | $257,440,400 | 2,288 |
| Average equity | $24,547,400 | 2,746 |
| Average total loans | $225,012,600 | 1,989 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8908% | 299 |
| Cost of funding earning assets | 1.2999% | 784 |
| Net interest margin | 4.5909% | 628 |
| Noninterest income to average assets | 0.5958% | 2,221 |
| Noninterest expense to average assets | 2.9172% | 2,206 |
| Loan and lease loss provision to assets | 0.5546% | 216 |
| Net operating income to assets | 1.1014% | 2,561 |
| Return on assets (ROA) | 1.1014% | 2,654 |
| Pretax return on assets | 1.4170% | 2,246 |
| Return on Equity (ROE) | 12.3661% | 1,495 |
| Retained earnings to average equity (ytd only) | 8.1194% | 1,345 |
| Net charge-offs to loans | 0.7309% | 218 |
| Credit loss provision to net charge-offs | 93.5537% | 2,360 |
| Earnings coverage of net charge-offs (x) | 3.3256% | 3,109 |
| Efficiency ratio | 59.6713% | 3,701 |
| Assets per employee ($millions) | 3.8698% | 4,068 |
| Cash dividends to net income (ytd only)* | 34.3417% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,233 |
| Loan loss allowance to noncurrent loans | 175.6151% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9749% | 1,382 |
| Noncurrent loans to loans | 0.6030% | 2,475 |
| Net loans and leases to total assets | 80.2682% | 814 |
| Net loans and leases to deposits | 96.1776% | 997 |
| Net loans and leases to core deposits | 108.3236% | 1,032 |
| Total domestic deposits to total assets | 83.4583% | 3,006 |
| Equity capital to assets | 8.8323% | 4,861 |
| Core capital (leverage) ratio | 8.8997% | 4,710 |
| Tier 1 risk-based capital ratio | 11.8046% | 4,512 |
| Total risk-based capital ratio | 12.9529% | 4,471 |
| Memoranda: | ||
| Average total assets | $272,127,000 | 2,338 |
| Average earning assets | $254,469,500 | 2,322 |
| Average equity | $24,237,750 | 2,784 |
| Average total loans | $220,725,750 | 2,034 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8599% | 303 |
| Cost of funding earning assets | 1.2499% | 866 |
| Net interest margin | 4.6099% | 604 |
| Noninterest income to average assets | 0.5903% | 2,198 |
| Noninterest expense to average assets | 2.9255% | 2,207 |
| Loan and lease loss provision to assets | 0.5270% | 219 |
| Net operating income to assets | 1.1248% | 2,428 |
| Return on assets (ROA) | 1.1248% | 2,499 |
| Pretax return on assets | 1.4427% | 2,053 |
| Return on Equity (ROE) | 12.5917% | 1,376 |
| Retained earnings to average equity (ytd only) | 9.2583% | 968 |
| Net charge-offs to loans | 0.7251% | 201 |
| Credit loss provision to net charge-offs | 89.6203% | 2,136 |
| Earnings coverage of net charge-offs (x) | 3.3494% | 2,854 |
| Efficiency ratio | 59.7628% | 3,768 |
| Assets per employee ($millions) | 3.7938% | 4,137 |
| Cash dividends to net income (ytd only)* | 26.4725% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,064 |
| Loan loss allowance to noncurrent loans | 168.8502% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.9579% | 1,453 |
| Noncurrent loans to loans | 0.6517% | 2,319 |
| Net loans and leases to total assets | 78.6307% | 1,098 |
| Net loans and leases to deposits | 94.3556% | 1,222 |
| Net loans and leases to core deposits | 106.2428% | 1,230 |
| Total domestic deposits to total assets | 83.3345% | 3,097 |
| Equity capital to assets | 8.8771% | 4,862 |
| Core capital (leverage) ratio | 9.0033% | 4,623 |
| Tier 1 risk-based capital ratio | 12.0971% | 4,364 |
| Total risk-based capital ratio | 13.2893% | 4,280 |
| Memoranda: | ||
| Average total assets | $268,670,000 | 2,365 |
| Average earning assets | $250,893,670 | 2,358 |
| Average equity | $24,000,000 | 2,800 |
| Average total loans | $217,906,670 | 2,059 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8415% | 288 |
| Cost of funding earning assets | 1.1521% | 1,038 |
| Net interest margin | 4.6894% | 510 |
| Noninterest income to average assets | 0.5549% | 2,260 |
| Noninterest expense to average assets | 2.9093% | 2,253 |
| Loan and lease loss provision to assets | 0.4748% | 228 |
| Net operating income to assets | 1.2097% | 2,020 |
| Return on assets (ROA) | 1.2097% | 2,070 |
| Pretax return on assets | 1.5408% | 1,637 |
| Return on Equity (ROE) | 13.4978% | 1,081 |
| Retained earnings to average equity (ytd only) | 7.8456% | 1,722 |
| Net charge-offs to loans | 0.7658% | 193 |
| Credit loss provision to net charge-offs | 75.6627% | 1,811 |
| Earnings coverage of net charge-offs (x) | 3.2120% | 2,423 |
| Efficiency ratio | 59.0728% | 3,941 |
| Assets per employee ($millions) | 3.8139% | 4,169 |
| Cash dividends to net income (ytd only)* | 41.8750% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,054 |
| Loan loss allowance to noncurrent loans | 204.5957% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.8952% | 1,573 |
| Noncurrent loans to loans | 0.5438% | 2,682 |
| Net loans and leases to total assets | 80.0393% | 828 |
| Net loans and leases to deposits | 94.2606% | 1,145 |
| Net loans and leases to core deposits | 102.2720% | 1,437 |
| Total domestic deposits to total assets | 84.9128% | 2,708 |
| Equity capital to assets | 8.9671% | 4,705 |
| Core capital (leverage) ratio | 9.1397% | 4,533 |
| Tier 1 risk-based capital ratio | 12.2195% | 4,343 |
| Total risk-based capital ratio | 13.4466% | 4,229 |
| Memoranda: | ||
| Average total assets | $264,530,500 | 2,405 |
| Average earning assets | $246,514,000 | 2,405 |
| Average equity | $23,707,500 | 2,831 |
| Average total loans | $216,765,000 | 2,085 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7466% | 257 |
| Cost of funding earning assets | 1.0548% | 594 |
| Net interest margin | 4.6917% | 497 |
| Noninterest income to average assets | 0.6712% | 1,958 |
| Noninterest expense to average assets | 2.9510% | 2,185 |
| Loan and lease loss provision to assets | 0.5148% | 227 |
| Net operating income to assets | 1.2264% | 2,061 |
| Return on assets (ROA) | 1.2264% | 2,055 |
| Pretax return on assets | 1.5600% | 1,591 |
| Return on Equity (ROE) | 13.9547% | 1,055 |
| Retained earnings to average equity (ytd only) | 10.4244% | 539 |
| Net charge-offs to loans | 0.6026% | 282 |
| Credit loss provision to net charge-offs | 105.0889% | 2,424 |
| Earnings coverage of net charge-offs (x) | 4.2351% | 3,317 |
| Efficiency ratio | 58.7165% | 4,047 |
| Assets per employee ($millions) | 3.8542% | 4,096 |
| Cash dividends to net income (ytd only)* | 25.2985% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 2,820 |
| Loan loss allowance to noncurrent loans | 268.7768% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 1,772 |
| Noncurrent loans to loans | 0.4286% | 3,003 |
| Net loans and leases to total assets | 82.0097% | 646 |
| Net loans and leases to deposits | 96.6165% | 1,014 |
| Net loans and leases to core deposits | 108.6281% | 1,078 |
| Total domestic deposits to total assets | 84.8817% | 2,691 |
| Equity capital to assets | 8.9570% | 4,613 |
| Core capital (leverage) ratio | 8.9800% | 4,672 |
| Tier 1 risk-based capital ratio | 11.9418% | 4,463 |
| Total risk-based capital ratio | 13.1922% | 4,354 |
| Memoranda: | ||
| Average total assets | $252,695,800 | 2,453 |
| Average earning assets | $234,540,400 | 2,454 |
| Average equity | $22,207,600 | 2,885 |
| Average total loans | $205,430,200 | 2,136 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6642% | 273 |
| Cost of funding earning assets | 1.0233% | 538 |
| Net interest margin | 4.6408% | 540 |
| Noninterest income to average assets | 0.6737% | 1,965 |
| Noninterest expense to average assets | 3.0197% | 1,958 |
| Loan and lease loss provision to assets | 0.4809% | 239 |
| Net operating income to assets | 1.1722% | 2,351 |
| Return on assets (ROA) | 1.1722% | 2,359 |
| Pretax return on assets | 1.4795% | 1,971 |
| Return on Equity (ROE) | 13.4056% | 1,297 |
| Retained earnings to average equity (ytd only) | 9.0203% | 1,212 |
| Net charge-offs to loans | 0.4993% | 315 |
| Credit loss provision to net charge-offs | 119.1293% | 1,995 |
| Earnings coverage of net charge-offs (x) | 4.8562% | 3,015 |
| Efficiency ratio | 60.6352% | 3,719 |
| Assets per employee ($millions) | 3.9514% | 3,963 |
| Cash dividends to net income (ytd only)* | 32.7126% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,623 |
| Loan loss allowance to noncurrent loans | 387.8561% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7494% | 1,981 |
| Noncurrent loans to loans | 0.3094% | 3,562 |
| Net loans and leases to total assets | 80.4558% | 951 |
| Net loans and leases to deposits | 94.2895% | 1,352 |
| Net loans and leases to core deposits | 107.8426% | 1,179 |
| Total domestic deposits to total assets | 85.3284% | 2,477 |
| Equity capital to assets | 8.5524% | 4,892 |
| Core capital (leverage) ratio | 8.5519% | 5,063 |
| Tier 1 risk-based capital ratio | 11.6721% | 4,692 |
| Total risk-based capital ratio | 12.9232% | 4,580 |
| Memoranda: | ||
| Average total assets | $250,348,250 | 2,485 |
| Average earning assets | $232,308,750 | 2,484 |
| Average equity | $21,890,750 | 2,924 |
| Average total loans | $202,427,500 | 2,163 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6083% | 273 |
| Cost of funding earning assets | 0.9840% | 502 |
| Net interest margin | 4.6243% | 525 |
| Noninterest income to average assets | 0.6703% | 2,003 |
| Noninterest expense to average assets | 3.0405% | 1,938 |
| Loan and lease loss provision to assets | 0.4740% | 244 |
| Net operating income to assets | 1.1370% | 2,447 |
| Return on assets (ROA) | 1.1370% | 2,455 |
| Pretax return on assets | 1.4351% | 2,039 |
| Return on Equity (ROE) | 12.9018% | 1,403 |
| Retained earnings to average equity (ytd only) | 9.9444% | 941 |
| Net charge-offs to loans | 0.4585% | 335 |
| Credit loss provision to net charge-offs | 128.1938% | 1,733 |
| Earnings coverage of net charge-offs (x) | 5.1630% | 2,729 |
| Efficiency ratio | 61.4283% | 3,707 |
| Assets per employee ($millions) | 3.6479% | 4,404 |
| Cash dividends to net income (ytd only)* | 22.9226% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,593 |
| Loan loss allowance to noncurrent loans | 367.6681% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7946% | 1,886 |
| Noncurrent loans to loans | 0.3325% | 3,504 |
| Net loans and leases to total assets | 81.3299% | 805 |
| Net loans and leases to deposits | 95.6252% | 1,182 |
| Net loans and leases to core deposits | 109.5430% | 1,031 |
| Total domestic deposits to total assets | 85.0507% | 2,653 |
| Equity capital to assets | 8.7092% | 4,793 |
| Core capital (leverage) ratio | 8.7753% | 4,904 |
| Tier 1 risk-based capital ratio | 11.6271% | 4,729 |
| Total risk-based capital ratio | 12.8782% | 4,603 |
| Memoranda: | ||
| Average total assets | $245,550,000 | 2,529 |
| Average earning assets | $227,235,330 | 2,533 |
| Average equity | $21,640,330 | 2,956 |
| Average total loans | $198,040,670 | 2,206 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5441% | 258 |
| Cost of funding earning assets | 0.9273% | 525 |
| Net interest margin | 4.6168% | 481 |
| Noninterest income to average assets | 0.6449% | 2,054 |
| Noninterest expense to average assets | 3.0384% | 1,974 |
| Loan and lease loss provision to assets | 0.4687% | 229 |
| Net operating income to assets | 1.1286% | 2,290 |
| Return on assets (ROA) | 1.1286% | 2,309 |
| Pretax return on assets | 1.4245% | 1,917 |
| Return on Equity (ROE) | 12.7267% | 1,341 |
| Retained earnings to average equity (ytd only) | 6.7288% | 2,397 |
| Net charge-offs to loans | 0.6064% | 247 |
| Credit loss provision to net charge-offs | 96.9072% | 1,621 |
| Earnings coverage of net charge-offs (x) | 3.9141% | 2,348 |
| Efficiency ratio | 61.6111% | 3,855 |
| Assets per employee ($millions) | 3.9133% | 4,129 |
| Cash dividends to net income (ytd only)* | 47.1281% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,515 |
| Loan loss allowance to noncurrent loans | 465.2008% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 2,127 |
| Noncurrent loans to loans | 0.2689% | 3,807 |
| Net loans and leases to total assets | 75.5081% | 1,620 |
| Net loans and leases to deposits | 88.6359% | 1,851 |
| Net loans and leases to core deposits | 101.7881% | 1,550 |
| Total domestic deposits to total assets | 85.1891% | 2,862 |
| Equity capital to assets | 8.4614% | 5,009 |
| Core capital (leverage) ratio | 8.9330% | 4,757 |
| Tier 1 risk-based capital ratio | 12.4290% | 4,288 |
| Total risk-based capital ratio | 13.6810% | 4,182 |
| Memoranda: | ||
| Average total assets | $240,650,000 | 2,579 |
| Average earning assets | $223,445,000 | 2,584 |
| Average equity | $21,341,000 | 3,009 |
| Average total loans | $191,938,000 | 2,258 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6199% | 224 |
| Cost of funding earning assets | 0.7685% | 741 |
| Net interest margin | 4.8514% | 306 |
| Noninterest income to average assets | 0.7438% | 1,794 |
| Noninterest expense to average assets | 3.2582% | 1,469 |
| Loan and lease loss provision to assets | 0.4686% | 288 |
| Net operating income to assets | 0.8760% | 2,833 |
| Return on assets (ROA) | 0.8760% | 2,857 |
| Pretax return on assets | 1.4894% | 1,685 |
| Return on Equity (ROE) | 9.4578% | 2,111 |
| Retained earnings to average equity (ytd only) | 7.0091% | 1,071 |
| Net charge-offs to loans | 0.6277% | 359 |
| Credit loss provision to net charge-offs | 90.8692% | 2,774 |
| Earnings coverage of net charge-offs (x) | 3.7972% | 3,553 |
| Efficiency ratio | 62.4631% | 3,866 |
| Assets per employee ($millions) | 3.4384% | 4,779 |
| Cash dividends to net income (ytd only)* | 25.8915% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,270 |
| Loan loss allowance to noncurrent loans | 252.0124% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 1,341 |
| Noncurrent loans to loans | 0.5117% | 2,983 |
| Net loans and leases to total assets | 82.3737% | 628 |
| Net loans and leases to deposits | 98.4521% | 862 |
| Net loans and leases to core deposits | 106.7316% | 1,226 |
| Total domestic deposits to total assets | 83.6688% | 3,321 |
| Equity capital to assets | 9.3239% | 4,404 |
| Core capital (leverage) ratio | 9.2688% | 4,328 |
| Tier 1 risk-based capital ratio | 12.5700% | 4,165 |
| Total risk-based capital ratio | 13.8223% | 4,060 |
| Memoranda: | ||
| Average total assets | $220,891,000 | 2,722 |
| Average earning assets | $203,633,800 | 2,735 |
| Average equity | $20,459,200 | 3,089 |
| Average total loans | $181,467,200 | 2,312 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6370% | 209 |
| Cost of funding earning assets | 0.7446% | 777 |
| Net interest margin | 4.8924% | 278 |
| Noninterest income to average assets | 0.7445% | 1,808 |
| Noninterest expense to average assets | 3.2898% | 1,375 |
| Loan and lease loss provision to assets | 0.4765% | 250 |
| Net operating income to assets | 0.9913% | 2,591 |
| Return on assets (ROA) | 0.9913% | 2,646 |
| Pretax return on assets | 1.4866% | 1,817 |
| Return on Equity (ROE) | 10.7207% | 1,815 |
| Retained earnings to average equity (ytd only) | 7.4276% | 1,473 |
| Net charge-offs to loans | 0.6158% | 318 |
| Credit loss provision to net charge-offs | 94.5718% | 2,394 |
| Earnings coverage of net charge-offs (x) | 3.8962% | 3,286 |
| Efficiency ratio | 62.6287% | 3,789 |
| Assets per employee ($millions) | 3.3709% | 4,886 |
| Cash dividends to net income (ytd only)* | 30.7172% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 2,144 |
| Loan loss allowance to noncurrent loans | 364.0466% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 1.1308% | 1,461 |
| Noncurrent loans to loans | 0.3692% | 3,630 |
| Net loans and leases to total assets | 80.0774% | 975 |
| Net loans and leases to deposits | 98.6966% | 847 |
| Net loans and leases to core deposits | 105.0308% | 1,332 |
| Total domestic deposits to total assets | 81.1349% | 4,013 |
| Equity capital to assets | 9.0881% | 4,831 |
| Core capital (leverage) ratio | 9.1488% | 4,570 |
| Tier 1 risk-based capital ratio | 12.6170% | 4,252 |
| Total risk-based capital ratio | 13.8701% | 4,150 |
| Memoranda: | ||
| Average total assets | $219,380,250 | 2,759 |
| Average earning assets | $202,160,500 | 2,773 |
| Average equity | $20,284,250 | 3,132 |
| Average total loans | $179,490,000 | 2,345 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6507% | 197 |
| Cost of funding earning assets | 0.7171% | 819 |
| Net interest margin | 4.9336% | 251 |
| Noninterest income to average assets | 0.7608% | 1,723 |
| Noninterest expense to average assets | 3.2874% | 1,398 |
| Loan and lease loss provision to assets | 0.4655% | 261 |
| Net operating income to assets | 1.0356% | 2,269 |
| Return on assets (ROA) | 1.0356% | 2,313 |
| Pretax return on assets | 1.5539% | 1,484 |
| Return on Equity (ROE) | 11.1334% | 1,591 |
| Retained earnings to average equity (ytd only) | 8.6361% | 957 |
| Net charge-offs to loans | 0.5482% | 352 |
| Credit loss provision to net charge-offs | 103.4979% | 1,963 |
| Earnings coverage of net charge-offs (x) | 4.4897% | 2,924 |
| Efficiency ratio | 61.9463% | 3,992 |
| Assets per employee ($millions) | 3.4505% | 4,794 |
| Cash dividends to net income (ytd only)* | 22.4307% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 2,017 |
| Loan loss allowance to noncurrent loans | 290.5896% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 1.1685% | 1,463 |
| Noncurrent loans to loans | 0.4765% | 3,318 |
| Net loans and leases to total assets | 80.1634% | 928 |
| Net loans and leases to deposits | 98.7291% | 828 |
| Net loans and leases to core deposits | 105.0948% | 1,285 |
| Total domestic deposits to total assets | 81.1953% | 4,132 |
| Equity capital to assets | 9.0335% | 4,865 |
| Core capital (leverage) ratio | 9.2542% | 4,427 |
| Tier 1 risk-based capital ratio | 12.5380% | 4,284 |
| Total risk-based capital ratio | 13.7917% | 4,177 |
| Memoranda: | ||
| Average total assets | $216,099,670 | 2,799 |
| Average earning assets | $199,126,330 | 2,813 |
| Average equity | $20,101,670 | 3,149 |
| Average total loans | $177,301,330 | 2,366 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6264% | 196 |
| Cost of funding earning assets | 0.6793% | 932 |
| Net interest margin | 4.9471% | 244 |
| Noninterest income to average assets | 0.7704% | 1,663 |
| Noninterest expense to average assets | 3.4030% | 1,200 |
| Loan and lease loss provision to assets | 0.4794% | 216 |
| Net operating income to assets | 0.9644% | 2,463 |
| Return on assets (ROA) | 0.9644% | 2,518 |
| Pretax return on assets | 1.4457% | 1,711 |
| Return on Equity (ROE) | 10.2081% | 1,868 |
| Retained earnings to average equity (ytd only) | 6.4833% | 2,090 |
| Net charge-offs to loans | 0.4337% | 425 |
| Credit loss provision to net charge-offs | 134.0426% | 1,293 |
| Earnings coverage of net charge-offs (x) | 5.3830% | 2,298 |
| Efficiency ratio | 63.8700% | 3,859 |
| Assets per employee ($millions) | 3.3588% | 4,983 |
| Cash dividends to net income (ytd only)* | 36.4892% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 1,837 |
| Loan loss allowance to noncurrent loans | 237.9216% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.3309% | 1,271 |
| Noncurrent loans to loans | 0.6128% | 2,988 |
| Net loans and leases to total assets | 82.0608% | 560 |
| Net loans and leases to deposits | 99.4986% | 646 |
| Net loans and leases to core deposits | 104.7810% | 1,172 |
| Total domestic deposits to total assets | 82.4744% | 4,031 |
| Equity capital to assets | 9.3164% | 4,492 |
| Core capital (leverage) ratio | 9.5683% | 4,035 |
| Tier 1 risk-based capital ratio | 12.8031% | 4,200 |
| Total risk-based capital ratio | 14.0580% | 4,092 |
| Memoranda: | ||
| Average total assets | $210,284,500 | 2,886 |
| Average earning assets | $193,730,500 | 2,888 |
| Average equity | $19,866,500 | 3,185 |
| Average total loans | $173,392,500 | 2,423 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6459% | 205 |
| Cost of funding earning assets | 0.6173% | 1,225 |
| Net interest margin | 5.0286% | 237 |
| Noninterest income to average assets | 0.9084% | 1,385 |
| Noninterest expense to average assets | 3.5273% | 1,119 |
| Loan and lease loss provision to assets | 0.3866% | 413 |
| Net operating income to assets | 1.0851% | 1,958 |
| Return on assets (ROA) | 1.0851% | 2,062 |
| Pretax return on assets | 1.6126% | 1,244 |
| Return on Equity (ROE) | 11.0495% | 1,564 |
| Retained earnings to average equity (ytd only) | 7.0128% | 1,224 |
| Net charge-offs to loans | 0.3690% | 735 |
| Credit loss provision to net charge-offs | 128.1787% | 2,091 |
| Earnings coverage of net charge-offs (x) | 6.6289% | 3,141 |
| Efficiency ratio | 63.8256% | 3,965 |
| Assets per employee ($millions) | 3.2126% | 5,136 |
| Cash dividends to net income (ytd only)* | 36.5330% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 1,608 |
| Loan loss allowance to noncurrent loans | 365.2798% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 1.2135% | 1,482 |
| Noncurrent loans to loans | 0.4154% | 3,655 |
| Net loans and leases to total assets | 80.3618% | 838 |
| Net loans and leases to deposits | 94.4564% | 1,151 |
| Net loans and leases to core deposits | 99.4690% | 1,665 |
| Total domestic deposits to total assets | 85.0781% | 3,014 |
| Equity capital to assets | 9.5844% | 4,181 |
| Core capital (leverage) ratio | 9.9227% | 3,599 |
| Tier 1 risk-based capital ratio | 13.6970% | 3,650 |
| Total risk-based capital ratio | 14.9537% | 3,552 |
| Memoranda: | ||
| Average total assets | $192,980,800 | 3,035 |
| Average earning assets | $177,226,800 | 3,043 |
| Average equity | $18,951,000 | 3,275 |
| Average total loans | $157,736,200 | 2,546 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7162% | 186 |
| Cost of funding earning assets | 0.6140% | 1,243 |
| Net interest margin | 5.1023% | 208 |
| Noninterest income to average assets | 0.9089% | 1,381 |
| Noninterest expense to average assets | 3.5962% | 1,002 |
| Loan and lease loss provision to assets | 0.4018% | 362 |
| Net operating income to assets | 1.0648% | 2,147 |
| Return on assets (ROA) | 1.0648% | 2,252 |
| Pretax return on assets | 1.5923% | 1,400 |
| Return on Equity (ROE) | 10.7731% | 1,758 |
| Retained earnings to average equity (ytd only) | 5.4221% | 2,536 |
| Net charge-offs to loans | 0.3642% | 617 |
| Credit loss provision to net charge-offs | 134.9057% | 1,926 |
| Earnings coverage of net charge-offs (x) | 6.6957% | 2,974 |
| Efficiency ratio | 64.3297% | 3,882 |
| Assets per employee ($millions) | 3.0048% | 5,387 |
| Cash dividends to net income (ytd only)* | 49.6700% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 1,567 |
| Loan loss allowance to noncurrent loans | 469.3878% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 1,716 |
| Noncurrent loans to loans | 0.3341% | 4,057 |
| Net loans and leases to total assets | 81.2926% | 717 |
| Net loans and leases to deposits | 93.4069% | 1,331 |
| Net loans and leases to core deposits | 96.8394% | 1,915 |
| Total domestic deposits to total assets | 87.0306% | 1,881 |
| Equity capital to assets | 9.8022% | 4,360 |
| Core capital (leverage) ratio | 9.9456% | 3,634 |
| Tier 1 risk-based capital ratio | 13.9494% | 3,588 |
| Total risk-based capital ratio | 15.2070% | 3,504 |
| Memoranda: | ||
| Average total assets | $189,825,000 | 3,072 |
| Average earning assets | $174,166,000 | 3,084 |
| Average equity | $18,762,250 | 3,328 |
| Average total loans | $155,227,000 | 2,578 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6844% | 192 |
| Cost of funding earning assets | 0.6030% | 1,290 |
| Net interest margin | 5.0814% | 224 |
| Noninterest income to average assets | 0.8532% | 1,535 |
| Noninterest expense to average assets | 3.5437% | 1,095 |
| Loan and lease loss provision to assets | 0.4202% | 351 |
| Net operating income to assets | 1.0383% | 2,225 |
| Return on assets (ROA) | 1.0383% | 2,352 |
| Pretax return on assets | 1.5511% | 1,522 |
| Return on Equity (ROE) | 10.4751% | 1,858 |
| Retained earnings to average equity (ytd only) | 6.1391% | 2,045 |
| Net charge-offs to loans | 0.3825% | 597 |
| Credit loss provision to net charge-offs | 134.8123% | 1,733 |
| Earnings coverage of net charge-offs (x) | 6.3242% | 2,759 |
| Efficiency ratio | 64.2554% | 3,972 |
| Assets per employee ($millions) | 2.9456% | 5,485 |
| Cash dividends to net income (ytd only)* | 41.3934% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 1,568 |
| Loan loss allowance to noncurrent loans | 709.7143% | 786 |
| Noncurrent assets plus other real estate owned to assets | 1.1156% | 1,893 |
| Noncurrent loans to loans | 0.2234% | 4,542 |
| Net loans and leases to total assets | 80.5355% | 823 |
| Net loans and leases to deposits | 92.7449% | 1,427 |
| Net loans and leases to core deposits | 95.4803% | 2,025 |
| Total domestic deposits to total assets | 86.8354% | 1,993 |
| Equity capital to assets | 9.9007% | 4,343 |
| Core capital (leverage) ratio | 9.9630% | 3,606 |
| Tier 1 risk-based capital ratio | 14.3451% | 3,409 |
| Total risk-based capital ratio | 15.6028% | 3,329 |
| Memoranda: | ||
| Average total assets | $187,995,670 | 3,109 |
| Average earning assets | $172,473,330 | 3,113 |
| Average equity | $18,634,670 | 3,350 |
| Average total loans | $153,201,000 | 2,611 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6754% | 194 |
| Cost of funding earning assets | 0.5867% | 1,434 |
| Net interest margin | 5.0886% | 207 |
| Noninterest income to average assets | 0.7946% | 1,638 |
| Noninterest expense to average assets | 3.5412% | 1,111 |
| Loan and lease loss provision to assets | 0.4316% | 303 |
| Net operating income to assets | 1.0029% | 2,263 |
| Return on assets (ROA) | 1.0029% | 2,382 |
| Pretax return on assets | 1.4968% | 1,598 |
| Return on Equity (ROE) | 10.1115% | 1,943 |
| Retained earnings to average equity (ytd only) | 3.7675% | 3,612 |
| Net charge-offs to loans | 0.2879% | 735 |
| Credit loss provision to net charge-offs | 184.4037% | 1,134 |
| Earnings coverage of net charge-offs (x) | 8.2385% | 2,071 |
| Efficiency ratio | 64.7428% | 4,011 |
| Assets per employee ($millions) | 2.9949% | 5,512 |
| Cash dividends to net income (ytd only)* | 62.7409% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 1,561 |
| Loan loss allowance to noncurrent loans | 301.7073% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 1.2975% | 1,657 |
| Noncurrent loans to loans | 0.5360% | 3,579 |
| Net loans and leases to total assets | 79.7754% | 848 |
| Net loans and leases to deposits | 91.9182% | 1,358 |
| Net loans and leases to core deposits | 94.6451% | 1,927 |
| Total domestic deposits to total assets | 86.7895% | 2,305 |
| Equity capital to assets | 9.8370% | 4,292 |
| Core capital (leverage) ratio | 10.0351% | 3,496 |
| Tier 1 risk-based capital ratio | 14.7494% | 3,264 |
| Total risk-based capital ratio | 16.0081% | 3,200 |
| Memoranda: | ||
| Average total assets | $186,263,000 | 3,136 |
| Average earning assets | $171,126,000 | 3,139 |
| Average equity | $18,474,000 | 3,366 |
| Average total loans | $151,462,500 | 2,623 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7316% | 191 |
| Cost of funding earning assets | 0.6218% | 1,221 |
| Net interest margin | 5.1098% | 209 |
| Noninterest income to average assets | 0.8182% | 1,714 |
| Noninterest expense to average assets | 3.5483% | 1,220 |
| Loan and lease loss provision to assets | 0.4626% | 259 |
| Net operating income to assets | 0.9587% | 2,580 |
| Return on assets (ROA) | 0.9587% | 2,656 |
| Pretax return on assets | 1.4604% | 1,680 |
| Return on Equity (ROE) | 9.7698% | 2,095 |
| Retained earnings to average equity (ytd only) | 6.1855% | 1,710 |
| Net charge-offs to loans | 0.3137% | 960 |
| Credit loss provision to net charge-offs | 184.3956% | 1,486 |
| Earnings coverage of net charge-offs (x) | 7.6659% | 3,052 |
| Efficiency ratio | 64.8529% | 4,106 |
| Assets per employee ($millions) | 2.9653% | 5,553 |
| Cash dividends to net income (ytd only)* | 36.6878% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 1,648 |
| Loan loss allowance to noncurrent loans | 285.9544% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 1.3473% | 1,562 |
| Noncurrent loans to loans | 0.5556% | 3,507 |
| Net loans and leases to total assets | 80.2567% | 814 |
| Net loans and leases to deposits | 92.8058% | 1,321 |
| Net loans and leases to core deposits | 95.3265% | 1,904 |
| Total domestic deposits to total assets | 86.4781% | 2,389 |
| Equity capital to assets | 10.0016% | 3,954 |
| Core capital (leverage) ratio | 9.8494% | 3,714 |
| Tier 1 risk-based capital ratio | 15.0325% | 3,169 |
| Total risk-based capital ratio | 16.2914% | 3,094 |
| Memoranda: | ||
| Average total assets | $181,384,200 | 3,147 |
| Average earning assets | $165,172,400 | 3,189 |
| Average equity | $17,799,800 | 3,410 |
| Average total loans | $145,033,400 | 2,669 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7448% | 183 |
| Cost of funding earning assets | 0.6256% | 1,243 |
| Net interest margin | 5.1192% | 200 |
| Noninterest income to average assets | 0.8512% | 1,615 |
| Noninterest expense to average assets | 3.5935% | 1,126 |
| Loan and lease loss provision to assets | 0.4780% | 219 |
| Net operating income to assets | 0.9603% | 2,668 |
| Return on assets (ROA) | 0.9603% | 2,752 |
| Pretax return on assets | 1.4331% | 1,894 |
| Return on Equity (ROE) | 9.8339% | 2,171 |
| Retained earnings to average equity (ytd only) | 5.3928% | 2,648 |
| Net charge-offs to loans | 0.3041% | 880 |
| Credit loss provision to net charge-offs | 197.5610% | 1,350 |
| Earnings coverage of net charge-offs (x) | 7.8994% | 2,864 |
| Efficiency ratio | 65.2821% | 4,017 |
| Assets per employee ($millions) | 2.8787% | 5,680 |
| Cash dividends to net income (ytd only)* | 45.1612% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 1,902 |
| Loan loss allowance to noncurrent loans | 301.0390% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 1.3013% | 1,796 |
| Noncurrent loans to loans | 0.5204% | 3,794 |
| Net loans and leases to total assets | 77.8430% | 1,127 |
| Net loans and leases to deposits | 89.6886% | 1,690 |
| Net loans and leases to core deposits | 92.0883% | 2,255 |
| Total domestic deposits to total assets | 86.7926% | 2,142 |
| Equity capital to assets | 9.6235% | 4,606 |
| Core capital (leverage) ratio | 9.6911% | 4,041 |
| Tier 1 risk-based capital ratio | 15.1680% | 3,204 |
| Total risk-based capital ratio | 16.4265% | 3,134 |
| Memoranda: | ||
| Average total assets | $180,767,750 | 3,182 |
| Average earning assets | $164,319,750 | 3,226 |
| Average equity | $17,652,750 | 3,454 |
| Average total loans | $143,808,250 | 2,699 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7880% | 166 |
| Cost of funding earning assets | 0.6421% | 1,150 |
| Net interest margin | 5.1458% | 192 |
| Noninterest income to average assets | 0.7971% | 1,791 |
| Noninterest expense to average assets | 3.5969% | 1,133 |
| Loan and lease loss provision to assets | 0.4758% | 218 |
| Net operating income to assets | 0.9314% | 2,726 |
| Return on assets (ROA) | 0.9314% | 2,847 |
| Pretax return on assets | 1.3893% | 2,023 |
| Return on Equity (ROE) | 9.4898% | 2,303 |
| Retained earnings to average equity (ytd only) | 6.1364% | 2,152 |
| Net charge-offs to loans | 0.3441% | 765 |
| Credit loss provision to net charge-offs | 173.4694% | 1,386 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 2,738 |
| Efficiency ratio | 65.8537% | 4,039 |
| Assets per employee ($millions) | 2.6745% | 5,937 |
| Cash dividends to net income (ytd only)* | 35.3365% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 2,253 |
| Loan loss allowance to noncurrent loans | 234.1935% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.4709% | 1,686 |
| Noncurrent loans to loans | 0.6451% | 3,547 |
| Net loans and leases to total assets | 78.0765% | 1,060 |
| Net loans and leases to deposits | 90.2747% | 1,563 |
| Net loans and leases to core deposits | 92.7120% | 2,089 |
| Total domestic deposits to total assets | 86.4877% | 2,442 |
| Equity capital to assets | 9.8073% | 4,268 |
| Core capital (leverage) ratio | 9.7506% | 3,938 |
| Tier 1 risk-based capital ratio | 15.3214% | 3,187 |
| Total risk-based capital ratio | 16.5790% | 3,125 |
| Memoranda: | ||
| Average total assets | $178,652,000 | 3,235 |
| Average earning assets | $161,956,000 | 3,277 |
| Average equity | $17,534,670 | 3,490 |
| Average total loans | $142,419,670 | 2,725 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8713% | 153 |
| Cost of funding earning assets | 0.6407% | 1,178 |
| Net interest margin | 5.2305% | 169 |
| Noninterest income to average assets | 0.8563% | 1,541 |
| Noninterest expense to average assets | 3.5900% | 1,150 |
| Loan and lease loss provision to assets | 0.4970% | 210 |
| Net operating income to assets | 1.0099% | 2,220 |
| Return on assets (ROA) | 1.0099% | 2,355 |
| Pretax return on assets | 1.5092% | 1,538 |
| Return on Equity (ROE) | 10.2853% | 1,878 |
| Retained earnings to average equity (ytd only) | 3.5205% | 3,886 |
| Net charge-offs to loans | 0.5341% | 467 |
| Credit loss provision to net charge-offs | 116.4021% | 1,473 |
| Earnings coverage of net charge-offs (x) | 4.6984% | 2,458 |
| Efficiency ratio | 64.1502% | 4,454 |
| Assets per employee ($millions) | 2.6516% | 6,002 |
| Cash dividends to net income (ytd only)* | 65.7718% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 2,776 |
| Loan loss allowance to noncurrent loans | 217.0053% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 1.6915% | 1,489 |
| Noncurrent loans to loans | 0.6598% | 3,625 |
| Net loans and leases to total assets | 77.4698% | 1,000 |
| Net loans and leases to deposits | 90.2696% | 1,361 |
| Net loans and leases to core deposits | 92.7529% | 1,881 |
| Total domestic deposits to total assets | 85.8205% | 3,029 |
| Equity capital to assets | 9.6828% | 4,530 |
| Core capital (leverage) ratio | 9.6970% | 4,016 |
| Tier 1 risk-based capital ratio | 13.7927% | 4,153 |
| Total risk-based capital ratio | 15.0473% | 4,071 |
| Memoranda: | ||
| Average total assets | $177,046,000 | 3,276 |
| Average earning assets | $160,442,500 | 3,316 |
| Average equity | $17,384,000 | 3,538 |
| Average total loans | $141,544,000 | 2,741 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9877% | 156 |
| Cost of funding earning assets | 0.7291% | 952 |
| Net interest margin | 5.2586% | 193 |
| Noninterest income to average assets | 0.9408% | 1,376 |
| Noninterest expense to average assets | 3.5295% | 1,419 |
| Loan and lease loss provision to assets | 0.6323% | 211 |
| Net operating income to assets | 1.0537% | 2,149 |
| Return on assets (ROA) | 1.0537% | 2,213 |
| Pretax return on assets | 1.5561% | 1,369 |
| Return on Equity (ROE) | 10.8041% | 1,786 |
| Retained earnings to average equity (ytd only) | 7.5683% | 1,174 |
| Net charge-offs to loans | 0.6384% | 610 |
| Credit loss provision to net charge-offs | 126.4395% | 1,893 |
| Earnings coverage of net charge-offs (x) | 4.3760% | 3,673 |
| Efficiency ratio | 61.7266% | 4,948 |
| Assets per employee ($millions) | 2.8030% | 5,924 |
| Cash dividends to net income (ytd only)* | 29.9498% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 2,892 |
| Loan loss allowance to noncurrent loans | 196.4602% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 2.0831% | 1,194 |
| Noncurrent loans to loans | 0.7194% | 3,526 |
| Net loans and leases to total assets | 80.2012% | 720 |
| Net loans and leases to deposits | 93.8496% | 1,086 |
| Net loans and leases to core deposits | 96.6687% | 1,665 |
| Total domestic deposits to total assets | 85.4572% | 3,100 |
| Equity capital to assets | 9.9601% | 4,165 |
| Core capital (leverage) ratio | 10.0088% | 3,561 |
| Tier 1 risk-based capital ratio | 13.9439% | 4,129 |
| Total risk-based capital ratio | 15.1984% | 4,061 |
| Memoranda: | ||
| Average total assets | $170,167,400 | 3,341 |
| Average earning assets | $154,583,800 | 3,370 |
| Average equity | $16,595,600 | 3,590 |
| Average total loans | $133,295,600 | 2,802 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9534% | 162 |
| Cost of funding earning assets | 0.7497% | 890 |
| Net interest margin | 5.2037% | 204 |
| Noninterest income to average assets | 0.9445% | 1,379 |
| Noninterest expense to average assets | 3.6534% | 1,207 |
| Loan and lease loss provision to assets | 0.5167% | 288 |
| Net operating income to assets | 0.9838% | 2,523 |
| Return on assets (ROA) | 0.9838% | 2,587 |
| Pretax return on assets | 1.5148% | 1,598 |
| Return on Equity (ROE) | 10.1435% | 2,147 |
| Retained earnings to average equity (ytd only) | 5.7824% | 2,545 |
| Net charge-offs to loans | 0.5373% | 714 |
| Credit loss provision to net charge-offs | 124.0076% | 1,854 |
| Earnings coverage of net charge-offs (x) | 4.8752% | 3,360 |
| Efficiency ratio | 64.2649% | 4,496 |
| Assets per employee ($millions) | 2.7027% | 6,085 |
| Cash dividends to net income (ytd only)* | 42.9943% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 3,236 |
| Loan loss allowance to noncurrent loans | 89.5382% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 2.6807% | 944 |
| Noncurrent loans to loans | 1.5500% | 2,092 |
| Net loans and leases to total assets | 80.5667% | 654 |
| Net loans and leases to deposits | 93.7671% | 1,061 |
| Net loans and leases to core deposits | 96.3440% | 1,648 |
| Total domestic deposits to total assets | 85.9221% | 2,883 |
| Equity capital to assets | 10.0079% | 4,154 |
| Core capital (leverage) ratio | 9.6923% | 4,092 |
| Tier 1 risk-based capital ratio | 14.2173% | 4,071 |
| Total risk-based capital ratio | 15.4718% | 3,995 |
| Memoranda: | ||
| Average total assets | $169,263,500 | 3,377 |
| Average earning assets | $154,194,250 | 3,400 |
| Average equity | $16,417,250 | 3,629 |
| Average total loans | $131,276,000 | 2,849 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8986% | 169 |
| Cost of funding earning assets | 0.7607% | 880 |
| Net interest margin | 5.1379% | 226 |
| Noninterest income to average assets | 0.8526% | 1,646 |
| Noninterest expense to average assets | 3.5966% | 1,303 |
| Loan and lease loss provision to assets | 0.4746% | 320 |
| Net operating income to assets | 0.9574% | 2,521 |
| Return on assets (ROA) | 0.9574% | 2,612 |
| Pretax return on assets | 1.4744% | 1,624 |
| Return on Equity (ROE) | 9.9757% | 2,161 |
| Retained earnings to average equity (ytd only) | 6.7854% | 1,880 |
| Net charge-offs to loans | 0.6491% | 597 |
| Credit loss provision to net charge-offs | 95.9524% | 2,082 |
| Earnings coverage of net charge-offs (x) | 3.9405% | 3,199 |
| Efficiency ratio | 64.8545% | 4,559 |
| Assets per employee ($millions) | 2.7273% | 6,101 |
| Cash dividends to net income (ytd only)* | 31.9803% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 3,606 |
| Loan loss allowance to noncurrent loans | 80.0730% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 2.5621% | 1,084 |
| Noncurrent loans to loans | 1.6812% | 2,065 |
| Net loans and leases to total assets | 73.7261% | 1,471 |
| Net loans and leases to deposits | 85.1988% | 1,902 |
| Net loans and leases to core deposits | 87.4237% | 2,373 |
| Total domestic deposits to total assets | 86.5342% | 2,739 |
| Equity capital to assets | 9.5201% | 4,725 |
| Core capital (leverage) ratio | 9.8127% | 3,869 |
| Tier 1 risk-based capital ratio | 14.5387% | 3,904 |
| Total risk-based capital ratio | 15.7926% | 3,843 |
| Memoranda: | ||
| Average total assets | $169,828,670 | 3,383 |
| Average earning assets | $155,122,330 | 3,392 |
| Average equity | $16,299,670 | 3,647 |
| Average total loans | $129,400,000 | 2,880 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0227% | 141 |
| Cost of funding earning assets | 0.7811% | 831 |
| Net interest margin | 5.2415% | 172 |
| Noninterest income to average assets | 0.8814% | 1,448 |
| Noninterest expense to average assets | 3.6783% | 1,163 |
| Loan and lease loss provision to assets | 0.5111% | 288 |
| Net operating income to assets | 0.9745% | 2,306 |
| Return on assets (ROA) | 0.9745% | 2,369 |
| Pretax return on assets | 1.5000% | 1,429 |
| Return on Equity (ROE) | 10.1109% | 1,990 |
| Retained earnings to average equity (ytd only) | 3.6677% | 3,933 |
| Net charge-offs to loans | 0.6207% | 596 |
| Credit loss provision to net charge-offs | 107.0000% | 1,572 |
| Earnings coverage of net charge-offs (x) | 4.2100% | 2,558 |
| Efficiency ratio | 64.6516% | 4,755 |
| Assets per employee ($millions) | 2.7186% | 6,186 |
| Cash dividends to net income (ytd only)* | 63.7255% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 3,688 |
| Loan loss allowance to noncurrent loans | 91.2200% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 2.3975% | 1,355 |
| Noncurrent loans to loans | 1.5157% | 2,524 |
| Net loans and leases to total assets | 75.6173% | 1,048 |
| Net loans and leases to deposits | 84.3058% | 1,792 |
| Net loans and leases to core deposits | 86.6488% | 2,244 |
| Total domestic deposits to total assets | 89.6941% | 1,245 |
| Equity capital to assets | 9.6195% | 4,331 |
| Core capital (leverage) ratio | 9.5941% | 4,141 |
| Tier 1 risk-based capital ratio | 14.2153% | 4,186 |
| Total risk-based capital ratio | 15.4694% | 4,129 |
| Memoranda: | ||
| Average total assets | $167,470,000 | 3,440 |
| Average earning assets | $153,620,000 | 3,447 |
| Average equity | $16,141,000 | 3,675 |
| Average total loans | $128,879,000 | 2,900 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2491% | 115 |
| Cost of funding earning assets | 0.8629% | 893 |
| Net interest margin | 5.3862% | 161 |
| Noninterest income to average assets | 0.9240% | 1,599 |
| Noninterest expense to average assets | 3.8435% | 1,070 |
| Loan and lease loss provision to assets | 0.3328% | 972 |
| Net operating income to assets | 1.1486% | 1,764 |
| Return on assets (ROA) | 1.1486% | 1,830 |
| Pretax return on assets | 1.6811% | 986 |
| Return on Equity (ROE) | 12.4426% | 1,299 |
| Retained earnings to average equity (ytd only) | 6.0700% | 1,928 |
| Net charge-offs to loans | 0.6788% | 957 |
| Credit loss provision to net charge-offs | 66.5083% | 3,391 |
| Earnings coverage of net charge-offs (x) | 4.0249% | 3,699 |
| Efficiency ratio | 65.6183% | 4,633 |
| Assets per employee ($millions) | 2.8687% | 6,022 |
| Cash dividends to net income (ytd only)* | 51.2157% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 3,742 |
| Loan loss allowance to noncurrent loans | 75.1908% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 2.5170% | 1,358 |
| Noncurrent loans to loans | 1.8348% | 2,191 |
| Net loans and leases to total assets | 76.1735% | 1,048 |
| Net loans and leases to deposits | 85.0081% | 1,810 |
| Net loans and leases to core deposits | 87.3998% | 2,301 |
| Total domestic deposits to total assets | 89.6073% | 1,272 |
| Equity capital to assets | 9.6571% | 4,210 |
| Core capital (leverage) ratio | 9.4992% | 4,267 |
| Tier 1 risk-based capital ratio | 14.1312% | 4,204 |
| Total risk-based capital ratio | 15.3850% | 4,152 |
| Memoranda: | ||
| Average total assets | $168,285,600 | 3,439 |
| Average earning assets | $154,133,800 | 3,433 |
| Average equity | $15,535,400 | 3,778 |
| Average total loans | $124,042,400 | 2,958 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3374% | 114 |
| Cost of funding earning assets | 0.8674% | 959 |
| Net interest margin | 5.4700% | 143 |
| Noninterest income to average assets | 0.9433% | 1,623 |
| Noninterest expense to average assets | 3.9108% | 954 |
| Loan and lease loss provision to assets | 0.3113% | 1,086 |
| Net operating income to assets | 1.1235% | 1,916 |
| Return on assets (ROA) | 1.1235% | 1,987 |
| Pretax return on assets | 1.7286% | 1,039 |
| Return on Equity (ROE) | 12.3096% | 1,390 |
| Retained earnings to average equity (ytd only) | 3.7396% | 4,029 |
| Net charge-offs to loans | 0.6942% | 865 |
| Credit loss provision to net charge-offs | 61.5625% | 3,262 |
| Earnings coverage of net charge-offs (x) | 4.0344% | 3,552 |
| Efficiency ratio | 65.7196% | 4,539 |
| Assets per employee ($millions) | 2.6545% | 6,323 |
| Cash dividends to net income (ytd only)* | 69.6205% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 3,599 |
| Loan loss allowance to noncurrent loans | 181.4443% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 1.6940% | 2,429 |
| Noncurrent loans to loans | 0.8094% | 4,216 |
| Net loans and leases to total assets | 72.5717% | 1,517 |
| Net loans and leases to deposits | 80.6601% | 2,312 |
| Net loans and leases to core deposits | 83.0688% | 2,754 |
| Total domestic deposits to total assets | 89.9723% | 1,013 |
| Equity capital to assets | 9.3042% | 4,803 |
| Core capital (leverage) ratio | 9.0814% | 4,994 |
| Tier 1 risk-based capital ratio | 14.1722% | 4,303 |
| Total risk-based capital ratio | 15.4271% | 4,248 |
| Memoranda: | ||
| Average total assets | $168,760,500 | 3,473 |
| Average earning assets | $154,487,000 | 3,461 |
| Average equity | $15,402,250 | 3,845 |
| Average total loans | $122,924,250 | 3,002 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3555% | 110 |
| Cost of funding earning assets | 0.8725% | 1,022 |
| Net interest margin | 5.4830% | 136 |
| Noninterest income to average assets | 0.9204% | 1,743 |
| Noninterest expense to average assets | 3.9641% | 902 |
| Loan and lease loss provision to assets | 0.3864% | 823 |
| Net operating income to assets | 1.0350% | 2,180 |
| Return on assets (ROA) | 1.0350% | 2,296 |
| Pretax return on assets | 1.5892% | 1,398 |
| Return on Equity (ROE) | 11.4139% | 1,677 |
| Retained earnings to average equity (ytd only) | 6.3194% | 2,250 |
| Net charge-offs to loans | 0.8662% | 721 |
| Credit loss provision to net charge-offs | 61.4662% | 2,989 |
| Earnings coverage of net charge-offs (x) | 3.1429% | 3,477 |
| Efficiency ratio | 66.7396% | 4,405 |
| Assets per employee ($millions) | 2.7047% | 6,289 |
| Cash dividends to net income (ytd only)* | 44.6347% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 3,417 |
| Loan loss allowance to noncurrent loans | 202.1858% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 1.6609% | 2,617 |
| Noncurrent loans to loans | 0.7598% | 4,401 |
| Net loans and leases to total assets | 68.4987% | 2,148 |
| Net loans and leases to deposits | 75.8211% | 2,904 |
| Net loans and leases to core deposits | 77.9925% | 3,289 |
| Total domestic deposits to total assets | 90.3426% | 832 |
| Equity capital to assets | 9.0265% | 5,190 |
| Core capital (leverage) ratio | 9.1824% | 4,720 |
| Tier 1 risk-based capital ratio | 14.8312% | 3,888 |
| Total risk-based capital ratio | 16.0876% | 3,847 |
| Memoranda: | ||
| Average total assets | $169,268,670 | 3,472 |
| Average earning assets | $154,952,670 | 3,479 |
| Average equity | $15,349,670 | 3,882 |
| Average total loans | $122,840,670 | 3,005 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3447% | 109 |
| Cost of funding earning assets | 0.9000% | 988 |
| Net interest margin | 5.4446% | 134 |
| Noninterest income to average assets | 0.9035% | 1,750 |
| Noninterest expense to average assets | 3.8553% | 1,051 |
| Loan and lease loss provision to assets | 0.4804% | 565 |
| Net operating income to assets | 1.0110% | 2,175 |
| Return on assets (ROA) | 1.0110% | 2,293 |
| Pretax return on assets | 1.5560% | 1,408 |
| Return on Equity (ROE) | 11.1228% | 1,673 |
| Retained earnings to average equity (ytd only) | 2.8136% | 4,600 |
| Net charge-offs to loans | 0.8771% | 692 |
| Credit loss provision to net charge-offs | 73.8971% | 2,242 |
| Earnings coverage of net charge-offs (x) | 3.1324% | 2,834 |
| Efficiency ratio | 65.4361% | 4,759 |
| Assets per employee ($millions) | 2.4788% | 6,603 |
| Cash dividends to net income (ytd only)* | 74.7045% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 3,270 |
| Loan loss allowance to noncurrent loans | 83.8192% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 2.2757% | 2,052 |
| Noncurrent loans to loans | 1.9456% | 2,682 |
| Net loans and leases to total assets | 70.9974% | 1,522 |
| Net loans and leases to deposits | 79.6817% | 2,119 |
| Net loans and leases to core deposits | 81.4974% | 2,636 |
| Total domestic deposits to total assets | 89.1013% | 1,627 |
| Equity capital to assets | 9.0537% | 5,422 |
| Core capital (leverage) ratio | 9.0435% | 4,817 |
| Tier 1 risk-based capital ratio | 14.0955% | 4,435 |
| Total risk-based capital ratio | 15.3527% | 4,389 |
| Memoranda: | ||
| Average total assets | $167,352,500 | 3,543 |
| Average earning assets | $153,326,000 | 3,536 |
| Average equity | $15,212,000 | 3,951 |
| Average total loans | $124,050,000 | 3,011 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6406% | 111 |
| Cost of funding earning assets | 1.0068% | 1,325 |
| Net interest margin | 5.6339% | 144 |
| Noninterest income to average assets | 0.9449% | 1,722 |
| Noninterest expense to average assets | 3.7987% | 1,257 |
| Loan and lease loss provision to assets | 0.2867% | 2,368 |
| Net operating income to assets | 1.2722% | 1,390 |
| Return on assets (ROA) | 1.2722% | 1,540 |
| Pretax return on assets | 1.9400% | 682 |
| Return on Equity (ROE) | 14.2855% | 943 |
| Retained earnings to average equity (ytd only) | 2.8034% | 4,268 |
| Net charge-offs to loans | 0.5472% | 2,094 |
| Credit loss provision to net charge-offs | 69.3642% | 4,190 |
| Earnings coverage of net charge-offs (x) | 5.3873% | 3,054 |
| Efficiency ratio | 63.0452% | 5,071 |
| Assets per employee ($millions) | 2.4079% | 6,696 |
| Cash dividends to net income (ytd only)* | 80.3756% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 3,200 |
| Loan loss allowance to noncurrent loans | 87.5586% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 2.2071% | 2,220 |
| Noncurrent loans to loans | 1.8562% | 2,851 |
| Net loans and leases to total assets | 74.8670% | 1,070 |
| Net loans and leases to deposits | 84.0794% | 1,747 |
| Net loans and leases to core deposits | 86.1913% | 2,296 |
| Total domestic deposits to total assets | 89.0432% | 1,532 |
| Equity capital to assets | 9.1264% | 5,365 |
| Core capital (leverage) ratio | 9.0771% | 4,774 |
| Tier 1 risk-based capital ratio | 13.3834% | 4,829 |
| Total risk-based capital ratio | 14.6408% | 4,783 |
| Memoranda: | ||
| Average total assets | $167,423,800 | 3,494 |
| Average earning assets | $150,980,000 | 3,534 |
| Average equity | $14,910,200 | 3,983 |
| Average total loans | $126,451,600 | 2,941 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6697% | 113 |
| Cost of funding earning assets | 1.0156% | 1,470 |
| Net interest margin | 5.6541% | 151 |
| Noninterest income to average assets | 0.9554% | 1,657 |
| Noninterest expense to average assets | 3.7978% | 1,212 |
| Loan and lease loss provision to assets | 0.2297% | 2,754 |
| Net operating income to assets | 1.3043% | 1,434 |
| Return on assets (ROA) | 1.3043% | 1,575 |
| Pretax return on assets | 2.0078% | 693 |
| Return on Equity (ROE) | 14.7366% | 945 |
| Retained earnings to average equity (ytd only) | 1.5805% | 5,547 |
| Net charge-offs to loans | 0.5304% | 2,020 |
| Credit loss provision to net charge-offs | 57.4553% | 4,222 |
| Earnings coverage of net charge-offs (x) | 5.5964% | 2,980 |
| Efficiency ratio | 62.9264% | 4,989 |
| Assets per employee ($millions) | 2.3689% | 6,810 |
| Cash dividends to net income (ytd only)* | 89.2744% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 3,461 |
| Loan loss allowance to noncurrent loans | 99.8541% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.8966% | 2,788 |
| Noncurrent loans to loans | 1.6165% | 3,367 |
| Net loans and leases to total assets | 75.4657% | 1,048 |
| Net loans and leases to deposits | 84.5944% | 1,794 |
| Net loans and leases to core deposits | 86.8730% | 2,356 |
| Total domestic deposits to total assets | 89.2088% | 1,305 |
| Equity capital to assets | 9.0109% | 5,816 |
| Core capital (leverage) ratio | 8.8692% | 5,238 |
| Tier 1 risk-based capital ratio | 12.9543% | 5,288 |
| Total risk-based capital ratio | 14.2113% | 5,247 |
| Memoranda: | ||
| Average total assets | $167,743,750 | 3,527 |
| Average earning assets | $150,707,500 | 3,573 |
| Average equity | $14,847,000 | 4,038 |
| Average total loans | $126,454,000 | 2,980 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6313% | 125 |
| Cost of funding earning assets | 1.0240% | 1,618 |
| Net interest margin | 5.6074% | 155 |
| Noninterest income to average assets | 0.9407% | 1,645 |
| Noninterest expense to average assets | 3.7046% | 1,360 |
| Loan and lease loss provision to assets | 0.2292% | 2,784 |
| Net operating income to assets | 1.3327% | 1,353 |
| Return on assets (ROA) | 1.3327% | 1,506 |
| Pretax return on assets | 2.0477% | 634 |
| Return on Equity (ROE) | 15.1465% | 913 |
| Retained earnings to average equity (ytd only) | -0.2700% | 6,086 |
| Net charge-offs to loans | 0.4897% | 2,113 |
| Credit loss provision to net charge-offs | 62.4595% | 3,739 |
| Earnings coverage of net charge-offs (x) | 6.2039% | 2,677 |
| Efficiency ratio | 61.9341% | 5,262 |
| Assets per employee ($millions) | 2.3772% | 6,843 |
| Cash dividends to net income (ytd only)* | 101.7825% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 3,291 |
| Loan loss allowance to noncurrent loans | 100.2330% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 1.8563% | 2,960 |
| Noncurrent loans to loans | 1.6816% | 3,376 |
| Net loans and leases to total assets | 74.3363% | 1,200 |
| Net loans and leases to deposits | 82.9717% | 1,982 |
| Net loans and leases to core deposits | 84.8618% | 2,580 |
| Total domestic deposits to total assets | 89.5923% | 1,165 |
| Equity capital to assets | 8.7327% | 5,989 |
| Core capital (leverage) ratio | 8.6883% | 5,400 |
| Tier 1 risk-based capital ratio | 12.7548% | 5,374 |
| Total risk-based capital ratio | 14.0125% | 5,340 |
| Memoranda: | ||
| Average total assets | $168,384,670 | 3,527 |
| Average earning assets | $151,372,000 | 3,577 |
| Average equity | $14,815,330 | 4,028 |
| Average total loans | $126,208,330 | 3,002 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6053% | 141 |
| Cost of funding earning assets | 1.0498% | 1,677 |
| Net interest margin | 5.5556% | 167 |
| Noninterest income to average assets | 0.8348% | 2,015 |
| Noninterest expense to average assets | 3.5746% | 1,619 |
| Loan and lease loss provision to assets | 0.1926% | 3,022 |
| Net operating income to assets | 1.3437% | 1,337 |
| Return on assets (ROA) | 1.3437% | 1,496 |
| Pretax return on assets | 2.0644% | 669 |
| Return on Equity (ROE) | 15.2153% | 932 |
| Retained earnings to average equity (ytd only) | 4.6588% | 3,774 |
| Net charge-offs to loans | 0.6820% | 1,453 |
| Credit loss provision to net charge-offs | 37.8505% | 3,481 |
| Earnings coverage of net charge-offs (x) | 4.4346% | 2,573 |
| Efficiency ratio | 61.2969% | 5,403 |
| Assets per employee ($millions) | 2.4836% | 6,859 |
| Cash dividends to net income (ytd only)* | 69.3805% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 3,339 |
| Loan loss allowance to noncurrent loans | 82.1085% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 2.1719% | 2,714 |
| Noncurrent loans to loans | 2.0738% | 3,059 |
| Net loans and leases to total assets | 72.9444% | 1,235 |
| Net loans and leases to deposits | 81.6044% | 1,985 |
| Net loans and leases to core deposits | 83.3350% | 2,635 |
| Total domestic deposits to total assets | 89.3879% | 1,429 |
| Equity capital to assets | 8.8476% | 5,698 |
| Core capital (leverage) ratio | 8.7863% | 5,148 |
| Tier 1 risk-based capital ratio | 13.0503% | 5,174 |
| Total risk-based capital ratio | 14.3080% | 5,135 |
| Memoranda: | ||
| Average total assets | $168,187,500 | 3,551 |
| Average earning assets | $151,272,000 | 3,588 |
| Average equity | $14,853,500 | 4,024 |
| Average total loans | $125,505,000 | 3,038 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5779% | 162 |
| Cost of funding earning assets | 1.2344% | 1,817 |
| Net interest margin | 5.3435% | 225 |
| Noninterest income to average assets | 0.7587% | 2,288 |
| Noninterest expense to average assets | 3.5747% | 1,792 |
| Loan and lease loss provision to assets | 0.5109% | 2,055 |
| Net operating income to assets | 1.0301% | 2,085 |
| Return on assets (ROA) | 1.0301% | 2,237 |
| Pretax return on assets | 1.5894% | 1,230 |
| Return on Equity (ROE) | 11.8885% | 1,435 |
| Retained earnings to average equity (ytd only) | 1.8793% | 4,869 |
| Net charge-offs to loans | 0.6453% | 2,535 |
| Credit loss provision to net charge-offs | 104.8426% | 3,265 |
| Earnings coverage of net charge-offs (x) | 4.3099% | 3,170 |
| Efficiency ratio | 62.9899% | 5,302 |
| Assets per employee ($millions) | 2.4631% | 6,864 |
| Cash dividends to net income (ytd only)* | 84.1924% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8037% | 2,859 |
| Loan loss allowance to noncurrent loans | 76.9257% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 2.2867% | 2,640 |
| Noncurrent loans to loans | 2.3447% | 2,798 |
| Net loans and leases to total assets | 73.6861% | 1,328 |
| Net loans and leases to deposits | 82.3210% | 2,156 |
| Net loans and leases to core deposits | 84.1268% | 2,877 |
| Total domestic deposits to total assets | 89.5106% | 1,264 |
| Equity capital to assets | 8.8153% | 5,779 |
| Core capital (leverage) ratio | 8.6169% | 5,368 |
| Tier 1 risk-based capital ratio | 13.1548% | 4,956 |
| Total risk-based capital ratio | 14.4142% | 4,924 |
| Memoranda: | ||
| Average total assets | $169,498,000 | 3,498 |
| Average earning assets | $155,945,400 | 3,476 |
| Average equity | $14,686,400 | 3,972 |
| Average total loans | $127,994,400 | 3,020 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5581% | 181 |
| Cost of funding earning assets | 1.2629% | 1,915 |
| Net interest margin | 5.2952% | 247 |
| Noninterest income to average assets | 0.7584% | 2,270 |
| Noninterest expense to average assets | 3.6086% | 1,691 |
| Loan and lease loss provision to assets | 0.5921% | 1,664 |
| Net operating income to assets | 0.9396% | 2,572 |
| Return on assets (ROA) | 0.9396% | 2,736 |
| Pretax return on assets | 1.4541% | 1,775 |
| Return on Equity (ROE) | 10.8906% | 1,902 |
| Retained earnings to average equity (ytd only) | 4.5726% | 3,464 |
| Net charge-offs to loans | 0.5361% | 2,626 |
| Credit loss provision to net charge-offs | 146.0348% | 2,161 |
| Earnings coverage of net charge-offs (x) | 5.0464% | 2,887 |
| Efficiency ratio | 63.8141% | 5,108 |
| Assets per employee ($millions) | 2.6120% | 6,768 |
| Cash dividends to net income (ytd only)* | 58.0133% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9385% | 2,505 |
| Loan loss allowance to noncurrent loans | 70.3080% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 2.5992% | 2,482 |
| Noncurrent loans to loans | 2.7572% | 2,531 |
| Net loans and leases to total assets | 73.4426% | 1,421 |
| Net loans and leases to deposits | 82.0262% | 2,351 |
| Net loans and leases to core deposits | 83.8171% | 3,088 |
| Total domestic deposits to total assets | 89.5355% | 1,124 |
| Equity capital to assets | 8.8354% | 5,942 |
| Core capital (leverage) ratio | 8.7100% | 5,394 |
| Tier 1 risk-based capital ratio | 12.9594% | 5,131 |
| Total risk-based capital ratio | 14.2204% | 5,088 |
| Memoranda: | ||
| Average total assets | $169,999,250 | 3,520 |
| Average earning assets | $157,196,000 | 3,476 |
| Average equity | $14,666,750 | 3,988 |
| Average total loans | $128,571,500 | 3,038 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5456% | 191 |
| Cost of funding earning assets | 1.3025% | 1,926 |
| Net interest margin | 5.2431% | 263 |
| Noninterest income to average assets | 0.7538% | 2,247 |
| Noninterest expense to average assets | 3.5385% | 1,888 |
| Loan and lease loss provision to assets | 0.7808% | 1,190 |
| Net operating income to assets | 0.8455% | 2,881 |
| Return on assets (ROA) | 0.8455% | 2,976 |
| Pretax return on assets | 1.2912% | 2,163 |
| Return on Equity (ROE) | 9.8795% | 2,160 |
| Retained earnings to average equity (ytd only) | 3.8199% | 3,780 |
| Net charge-offs to loans | 0.7501% | 1,995 |
| Credit loss provision to net charge-offs | 137.1901% | 2,226 |
| Earnings coverage of net charge-offs (x) | 3.6405% | 3,102 |
| Efficiency ratio | 63.0685% | 5,392 |
| Assets per employee ($millions) | 2.4876% | 6,921 |
| Cash dividends to net income (ytd only)* | 61.3352% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 2,686 |
| Loan loss allowance to noncurrent loans | 74.5201% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 2.6590% | 2,509 |
| Noncurrent loans to loans | 2.5423% | 2,842 |
| Net loans and leases to total assets | 73.6847% | 1,478 |
| Net loans and leases to deposits | 82.1514% | 2,428 |
| Net loans and leases to core deposits | 83.9253% | 3,225 |
| Total domestic deposits to total assets | 89.6938% | 1,123 |
| Equity capital to assets | 8.7397% | 5,884 |
| Core capital (leverage) ratio | 8.6045% | 5,398 |
| Tier 1 risk-based capital ratio | 12.8400% | 5,054 |
| Total risk-based capital ratio | 14.1007% | 5,017 |
| Memoranda: | ||
| Average total assets | $170,071,330 | 3,533 |
| Average earning assets | $157,541,000 | 3,495 |
| Average equity | $14,555,330 | 3,997 |
| Average total loans | $129,042,670 | 3,053 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4846% | 217 |
| Cost of funding earning assets | 1.3337% | 1,987 |
| Net interest margin | 5.1509% | 278 |
| Noninterest income to average assets | 0.7201% | 2,452 |
| Noninterest expense to average assets | 3.5584% | 1,855 |
| Loan and lease loss provision to assets | 1.0133% | 750 |
| Net operating income to assets | 0.6216% | 3,914 |
| Return on assets (ROA) | 0.6216% | 3,983 |
| Pretax return on assets | 0.9500% | 3,320 |
| Return on Equity (ROE) | 7.3402% | 3,226 |
| Retained earnings to average equity (ytd only) | -2.7976% | 6,262 |
| Net charge-offs to loans | 1.2243% | 1,137 |
| Credit loss provision to net charge-offs | 108.5427% | 2,457 |
| Earnings coverage of net charge-offs (x) | 2.1030% | 3,244 |
| Efficiency ratio | 64.4435% | 5,292 |
| Assets per employee ($millions) | 2.5074% | 6,978 |
| Cash dividends to net income (ytd only)* | 138.1132% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 3,167 |
| Loan loss allowance to noncurrent loans | 76.9309% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 2.3278% | 2,919 |
| Noncurrent loans to loans | 2.2772% | 3,222 |
| Net loans and leases to total assets | 74.3685% | 1,287 |
| Net loans and leases to deposits | 82.7405% | 2,229 |
| Net loans and leases to core deposits | 84.4049% | 3,113 |
| Total domestic deposits to total assets | 89.8816% | 1,223 |
| Equity capital to assets | 8.4387% | 6,005 |
| Core capital (leverage) ratio | 8.3031% | 5,805 |
| Tier 1 risk-based capital ratio | 12.0920% | 5,607 |
| Total risk-based capital ratio | 13.3498% | 5,598 |
| Memoranda: | ||
| Average total assets | $170,527,000 | 3,547 |
| Average earning assets | $158,961,000 | 3,485 |
| Average equity | $14,441,000 | 4,010 |
| Average total loans | $130,038,000 | 3,063 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8667% | 177 |
| Cost of funding earning assets | 1.5972% | 2,089 |
| Net interest margin | 5.2695% | 251 |
| Noninterest income to average assets | 0.8123% | 2,217 |
| Noninterest expense to average assets | 3.5824% | 1,967 |
| Loan and lease loss provision to assets | 1.1810% | 1,334 |
| Net operating income to assets | 0.6256% | 3,557 |
| Return on assets (ROA) | 0.6256% | 3,720 |
| Pretax return on assets | 0.9539% | 3,088 |
| Return on Equity (ROE) | 7.3965% | 2,935 |
| Retained earnings to average equity (ytd only) | 5.2661% | 2,265 |
| Net charge-offs to loans | 0.9053% | 2,382 |
| Credit loss provision to net charge-offs | 168.7341% | 2,013 |
| Earnings coverage of net charge-offs (x) | 3.0501% | 3,548 |
| Efficiency ratio | 62.6586% | 5,592 |
| Assets per employee ($millions) | 2.5081% | 6,999 |
| Cash dividends to net income (ytd only)* | 28.8023% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 3,216 |
| Loan loss allowance to noncurrent loans | 84.6768% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 2.0580% | 3,275 |
| Noncurrent loans to loans | 2.0074% | 3,554 |
| Net loans and leases to total assets | 75.5126% | 1,370 |
| Net loans and leases to deposits | 83.9454% | 2,456 |
| Net loans and leases to core deposits | 85.6247% | 3,377 |
| Total domestic deposits to total assets | 89.9544% | 1,123 |
| Equity capital to assets | 8.4982% | 5,860 |
| Core capital (leverage) ratio | 8.4491% | 5,449 |
| Tier 1 risk-based capital ratio | 12.0593% | 5,418 |
| Total risk-based capital ratio | 13.3167% | 5,394 |
| Memoranda: | ||
| Average total assets | $168,155,800 | 3,574 |
| Average earning assets | $156,523,800 | 3,513 |
| Average equity | $14,223,000 | 4,098 |
| Average total loans | $130,006,400 | 3,122 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8956% | 172 |
| Cost of funding earning assets | 1.6433% | 2,141 |
| Net interest margin | 5.2523% | 264 |
| Noninterest income to average assets | 0.7926% | 2,275 |
| Noninterest expense to average assets | 3.5712% | 1,850 |
| Loan and lease loss provision to assets | 1.4745% | 910 |
| Net operating income to assets | 0.4146% | 4,685 |
| Return on assets (ROA) | 0.4146% | 4,862 |
| Pretax return on assets | 0.6326% | 4,478 |
| Return on Equity (ROE) | 4.9074% | 4,334 |
| Retained earnings to average equity (ytd only) | 2.7598% | 4,500 |
| Net charge-offs to loans | 0.9371% | 2,116 |
| Credit loss provision to net charge-offs | 203.1798% | 1,749 |
| Earnings coverage of net charge-offs (x) | 2.9035% | 3,679 |
| Efficiency ratio | 62.8924% | 5,454 |
| Assets per employee ($millions) | 2.4477% | 7,135 |
| Cash dividends to net income (ytd only)* | 43.7616% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 2,842 |
| Loan loss allowance to noncurrent loans | 69.9467% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 2.3155% | 3,064 |
| Noncurrent loans to loans | 2.5470% | 3,076 |
| Net loans and leases to total assets | 78.1692% | 1,017 |
| Net loans and leases to deposits | 86.8643% | 2,170 |
| Net loans and leases to core deposits | 88.4649% | 3,314 |
| Total domestic deposits to total assets | 89.9900% | 885 |
| Equity capital to assets | 8.4557% | 6,330 |
| Core capital (leverage) ratio | 8.2896% | 5,893 |
| Tier 1 risk-based capital ratio | 11.6742% | 5,754 |
| Total risk-based capital ratio | 12.9330% | 5,720 |
| Memoranda: | ||
| Average total assets | $167,556,500 | 3,627 |
| Average earning assets | $155,863,500 | 3,575 |
| Average equity | $14,155,250 | 4,174 |
| Average total loans | $129,754,000 | 3,169 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9650% | 161 |
| Cost of funding earning assets | 1.6971% | 2,130 |
| Net interest margin | 5.2679% | 258 |
| Noninterest income to average assets | 0.8134% | 2,048 |
| Noninterest expense to average assets | 3.4015% | 2,260 |
| Loan and lease loss provision to assets | 0.7610% | 1,887 |
| Net operating income to assets | 1.0171% | 2,131 |
| Return on assets (ROA) | 1.0171% | 2,201 |
| Pretax return on assets | 1.5531% | 1,425 |
| Return on Equity (ROE) | 12.0432% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.1265% | 629 |
| Net charge-offs to loans | 0.8087% | 2,228 |
| Credit loss provision to net charge-offs | 122.6488% | 3,296 |
| Earnings coverage of net charge-offs (x) | 3.7294% | 3,201 |
| Efficiency ratio | 59.5124% | 6,141 |
| Assets per employee ($millions) | 2.4280% | 7,193 |
| Cash dividends to net income (ytd only)* | 7.6112% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,523 |
| Loan loss allowance to noncurrent loans | 90.6139% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.4909% | 4,224 |
| Noncurrent loans to loans | 1.3110% | 4,759 |
| Net loans and leases to total assets | 75.1252% | 1,667 |
| Net loans and leases to deposits | 83.5560% | 2,964 |
| Net loans and leases to core deposits | 85.2185% | 3,955 |
| Total domestic deposits to total assets | 89.9099% | 961 |
| Equity capital to assets | 8.5644% | 6,078 |
| Core capital (leverage) ratio | 8.4389% | 5,513 |
| Tier 1 risk-based capital ratio | 12.1497% | 5,174 |
| Total risk-based capital ratio | 13.4003% | 5,154 |
| Memoranda: | ||
| Average total assets | $167,927,330 | 3,639 |
| Average earning assets | $156,268,000 | 3,595 |
| Average equity | $14,182,330 | 4,157 |
| Average total loans | $128,849,330 | 3,217 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0259% | 170 |
| Cost of funding earning assets | 1.7339% | 2,213 |
| Net interest margin | 5.2920% | 247 |
| Noninterest income to average assets | 0.7357% | 2,378 |
| Noninterest expense to average assets | 3.3886% | 2,264 |
| Loan and lease loss provision to assets | 0.5536% | 2,287 |
| Net operating income to assets | 1.1239% | 1,754 |
| Return on assets (ROA) | 1.1239% | 1,834 |
| Pretax return on assets | 1.7159% | 1,028 |
| Return on Equity (ROE) | 13.4043% | 1,169 |
| Retained earnings to average equity (ytd only) | 13.4043% | 570 |
| Net charge-offs to loans | 0.5130% | 2,532 |
| Credit loss provision to net charge-offs | 140.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 5.7394% | 2,341 |
| Efficiency ratio | 59.8899% | 6,196 |
| Assets per employee ($millions) | 2.4616% | 7,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 5,753 |
| Loan loss allowance to noncurrent loans | 85.7225% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 4,412 |
| Noncurrent loans to loans | 1.3460% | 4,727 |
| Net loans and leases to total assets | 75.9000% | 1,561 |
| Net loans and leases to deposits | 83.4356% | 3,035 |
| Net loans and leases to core deposits | 85.5849% | 3,958 |
| Total domestic deposits to total assets | 90.9684% | 561 |
| Equity capital to assets | 8.5029% | 5,998 |
| Core capital (leverage) ratio | 8.4514% | 5,463 |
| Tier 1 risk-based capital ratio | 12.1392% | 5,044 |
| Total risk-based capital ratio | 13.3895% | 5,014 |
| Memoranda: | ||
| Average total assets | $166,911,500 | 3,714 |
| Average earning assets | $155,254,500 | 3,661 |
| Average equity | $13,995,500 | 4,245 |
| Average total loans | $128,665,500 | 3,281 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2974% | 176 |
| Cost of funding earning assets | 2.3006% | 1,651 |
| Net interest margin | 4.9969% | 453 |
| Noninterest income to average assets | 0.8629% | 2,129 |
| Noninterest expense to average assets | 3.4911% | 2,396 |
| Loan and lease loss provision to assets | 0.8911% | 2,516 |
| Net operating income to assets | 0.7435% | 2,752 |
| Return on assets (ROA) | 0.7435% | 2,840 |
| Pretax return on assets | 1.1393% | 2,129 |
| Return on Equity (ROE) | 9.2058% | 1,957 |
| Retained earnings to average equity (ytd only) | 7.8276% | 743 |
| Net charge-offs to loans | 0.9436% | 2,508 |
| Credit loss provision to net charge-offs | 122.4227% | 4,321 |
| Earnings coverage of net charge-offs (x) | 2.7895% | 3,696 |
| Efficiency ratio | 63.2276% | 5,925 |
| Assets per employee ($millions) | 2.4841% | 7,229 |
| Cash dividends to net income (ytd only)* | 14.9706% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 5,899 |
| Loan loss allowance to noncurrent loans | 79.8310% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.4360% | 4,259 |
| Noncurrent loans to loans | 1.3781% | 4,618 |
| Net loans and leases to total assets | 76.5365% | 1,689 |
| Net loans and leases to deposits | 83.7736% | 3,320 |
| Net loans and leases to core deposits | 107.7317% | 3,129 |
| Total domestic deposits to total assets | 91.3611% | 416 |
| Equity capital to assets | 8.2664% | 6,251 |
| Core capital (leverage) ratio | 8.1123% | 5,971 |
| Tier 1 risk-based capital ratio | 11.5273% | 5,373 |
| Total risk-based capital ratio | 12.7267% | 5,379 |
| Memoranda: | ||
| Average total assets | $159,921,800 | 3,775 |
| Average earning assets | $149,093,800 | 3,730 |
| Average equity | $12,915,800 | 4,530 |
| Average total loans | $123,355,800 | 3,414 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3236% | 185 |
| Cost of funding earning assets | 2.3648% | 1,758 |
| Net interest margin | 4.9588% | 487 |
| Noninterest income to average assets | 0.8532% | 2,186 |
| Noninterest expense to average assets | 3.4037% | 2,568 |
| Loan and lease loss provision to assets | 0.8743% | 2,196 |
| Net operating income to assets | 0.7892% | 2,861 |
| Return on assets (ROA) | 0.7892% | 2,924 |
| Pretax return on assets | 1.2045% | 2,252 |
| Return on Equity (ROE) | 9.8329% | 1,982 |
| Retained earnings to average equity (ytd only) | 7.9650% | 1,151 |
| Net charge-offs to loans | 0.9355% | 2,097 |
| Credit loss provision to net charge-offs | 121.2617% | 4,185 |
| Earnings coverage of net charge-offs (x) | 2.8832% | 3,783 |
| Efficiency ratio | 62.0833% | 6,087 |
| Assets per employee ($millions) | 2.4207% | 7,346 |
| Cash dividends to net income (ytd only)* | 18.9970% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 5,972 |
| Loan loss allowance to noncurrent loans | 55.9783% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.5412% | 4,055 |
| Noncurrent loans to loans | 1.8886% | 3,786 |
| Net loans and leases to total assets | 76.1298% | 1,974 |
| Net loans and leases to deposits | 83.4138% | 3,752 |
| Net loans and leases to core deposits | 109.4837% | 3,296 |
| Total domestic deposits to total assets | 91.2677% | 317 |
| Equity capital to assets | 8.2457% | 6,573 |
| Core capital (leverage) ratio | 8.2873% | 5,855 |
| Tier 1 risk-based capital ratio | 11.6671% | 5,279 |
| Total risk-based capital ratio | 12.8360% | 5,293 |
| Memoranda: | ||
| Average total assets | $158,294,000 | 3,820 |
| Average earning assets | $147,774,750 | 3,762 |
| Average equity | $12,705,250 | 4,603 |
| Average total loans | $121,995,000 | 3,476 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3646% | 187 |
| Cost of funding earning assets | 2.4645% | 1,732 |
| Net interest margin | 4.9001% | 539 |
| Noninterest income to average assets | 0.8221% | 2,305 |
| Noninterest expense to average assets | 3.4394% | 2,512 |
| Loan and lease loss provision to assets | 0.8054% | 2,075 |
| Net operating income to assets | 0.7529% | 3,030 |
| Return on assets (ROA) | 0.7529% | 3,135 |
| Pretax return on assets | 1.1499% | 2,468 |
| Return on Equity (ROE) | 9.4716% | 2,198 |
| Retained earnings to average equity (ytd only) | 6.5561% | 1,767 |
| Net charge-offs to loans | 0.9349% | 1,847 |
| Credit loss provision to net charge-offs | 111.7229% | 4,145 |
| Earnings coverage of net charge-offs (x) | 2.7123% | 3,724 |
| Efficiency ratio | 63.7550% | 5,958 |
| Assets per employee ($millions) | 2.3631% | 7,480 |
| Cash dividends to net income (ytd only)* | 30.7823% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 6,344 |
| Loan loss allowance to noncurrent loans | 103.1197% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 5,313 |
| Noncurrent loans to loans | 0.9563% | 5,310 |
| Net loans and leases to total assets | 77.5543% | 1,849 |
| Net loans and leases to deposits | 85.0489% | 3,720 |
| Net loans and leases to core deposits | 110.2897% | 3,345 |
| Total domestic deposits to total assets | 91.1880% | 408 |
| Equity capital to assets | 8.3074% | 6,319 |
| Core capital (leverage) ratio | 8.1471% | 6,083 |
| Tier 1 risk-based capital ratio | 11.6413% | 5,250 |
| Total risk-based capital ratio | 12.7353% | 5,315 |
| Memoranda: | ||
| Average total assets | $156,189,670 | 3,894 |
| Average earning assets | $145,751,330 | 3,827 |
| Average equity | $12,416,000 | 4,704 |
| Average total loans | $120,442,000 | 3,524 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2025% | 255 |
| Cost of funding earning assets | 2.5432% | 1,758 |
| Net interest margin | 4.6593% | 848 |
| Noninterest income to average assets | 0.7710% | 2,481 |
| Noninterest expense to average assets | 3.2955% | 2,668 |
| Loan and lease loss provision to assets | 0.6782% | 1,865 |
| Net operating income to assets | 0.7581% | 3,309 |
| Return on assets (ROA) | 0.7581% | 3,485 |
| Pretax return on assets | 1.1578% | 2,778 |
| Return on Equity (ROE) | 9.7614% | 2,423 |
| Retained earnings to average equity (ytd only) | 3.7518% | 3,817 |
| Net charge-offs to loans | 0.7079% | 1,772 |
| Credit loss provision to net charge-offs | 125.2381% | 3,169 |
| Earnings coverage of net charge-offs (x) | 3.3905% | 3,191 |
| Efficiency ratio | 64.2211% | 5,649 |
| Assets per employee ($millions) | 2.4463% | 7,382 |
| Cash dividends to net income (ytd only)* | 61.5646% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,130 |
| Loan loss allowance to noncurrent loans | 143.9286% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 5,599 |
| Noncurrent loans to loans | 0.6990% | 5,665 |
| Net loans and leases to total assets | 73.6800% | 2,840 |
| Net loans and leases to deposits | 80.6157% | 4,517 |
| Net loans and leases to core deposits | 106.1071% | 3,897 |
| Total domestic deposits to total assets | 91.3966% | 296 |
| Equity capital to assets | 7.9847% | 6,834 |
| Core capital (leverage) ratio | 8.2414% | 6,013 |
| Tier 1 risk-based capital ratio | 11.6299% | 5,270 |
| Total risk-based capital ratio | 12.7353% | 5,322 |
| Memoranda: | ||
| Average total assets | $155,120,000 | 3,926 |
| Average earning assets | $145,171,000 | 3,853 |
| Average equity | $12,047,500 | 4,819 |
| Average total loans | $118,656,000 | 3,593 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9802% | 200 |
| Cost of funding earning assets | 3.0303% | 1,751 |
| Net interest margin | 4.9499% | 570 |
| Noninterest income to average assets | 0.5581% | 4,174 |
| Noninterest expense to average assets | 3.5141% | 2,357 |
| Loan and lease loss provision to assets | 0.6832% | 2,133 |
| Net operating income to assets | 0.6373% | 4,160 |
| Return on assets (ROA) | 0.6373% | 4,006 |
| Pretax return on assets | 0.9543% | 3,543 |
| Return on Equity (ROE) | 8.5136% | 2,834 |
| Retained earnings to average equity (ytd only) | 4.9485% | 2,062 |
| Net charge-offs to loans | 0.6044% | 2,027 |
| Credit loss provision to net charge-offs | 143.9239% | 3,673 |
| Earnings coverage of net charge-offs (x) | 3.4495% | 4,364 |
| Efficiency ratio | 68.2137% | 4,686 |
| Assets per employee ($millions) | 2.3997% | 7,399 |
| Cash dividends to net income (ytd only)* | 41.8757% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 6,167 |
| Loan loss allowance to noncurrent loans | 129.3065% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 5,064 |
| Noncurrent loans to loans | 0.7632% | 5,125 |
| Net loans and leases to total assets | 77.9562% | 2,154 |
| Net loans and leases to deposits | 84.8053% | 4,288 |
| Net loans and leases to core deposits | 111.2055% | 3,653 |
| Total domestic deposits to total assets | 91.9237% | 145 |
| Equity capital to assets | 7.5299% | 7,356 |
| Core capital (leverage) ratio | 7.5294% | 7,171 |
| Tier 1 risk-based capital ratio | 10.5691% | 6,138 |
| Total risk-based capital ratio | 11.6791% | 6,158 |
| Memoranda: | ||
| Average total assets | $143,877,200 | 4,010 |
| Average earning assets | $133,518,000 | 3,982 |
| Average equity | $10,771,000 | 5,192 |
| Average total loans | $113,006,800 | 3,614 |