Home > First State Bank of DeKalb County > Performance and Condition Ratios
First State Bank of DeKalb County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0763% | 574 |
| Cost of funding earning assets | 0.6368% | 4,019 |
| Net interest margin | 5.4394% | 197 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.2398% | 3,007 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 2.2447% | 320 |
| Return on assets (ROA) | 2.1924% | 333 |
| Pretax return on assets | 2.8389% | 241 |
| Return on Equity (ROE) | 26.3600% | 270 |
| Retained earnings to average equity (ytd only) | 24.2595% | 81 |
| Net charge-offs to loans | 0.3766% | 281 |
| Credit loss provision to net charge-offs | 122.5000% | 1,656 |
| Earnings coverage of net charge-offs (x) | 15.7797% | 2,033 |
| Efficiency ratio | 40.6921% | 4,349 |
| Assets per employee ($millions) | 6.0606% | 2,767 |
| Cash dividends to net income (ytd only)* | 7.9801% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 2,854 |
| Loan loss allowance to noncurrent loans | 52.2953% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.1982% | 362 |
| Noncurrent loans to loans | 2.0988% | 264 |
| Net loans and leases to total assets | 52.6600% | 3,443 |
| Net loans and leases to deposits | 60.1724% | 3,513 |
| Net loans and leases to core deposits | 67.3481% | 3,441 |
| Total domestic deposits to total assets | 87.5200% | 1,511 |
| Equity capital to assets | 9.1749% | 2,559 |
| Core capital (leverage) ratio | 10.7008% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4655% | 1,190 |
| Memoranda: | ||
| Average total assets | $320,648,400 | 2,320 |
| Average earning assets | $296,317,400 | 2,328 |
| Average equity | $26,665,800 | 2,419 |
| Average total loans | $169,925,000 | 2,522 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8857% | 615 |
| Cost of funding earning assets | 0.5559% | 4,048 |
| Net interest margin | 5.3297% | 218 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.1742% | 3,145 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 2.2962% | 329 |
| Return on assets (ROA) | 2.2258% | 357 |
| Pretax return on assets | 2.9133% | 253 |
| Return on Equity (ROE) | 27.4500% | 295 |
| Retained earnings to average equity (ytd only) | 25.2711% | 136 |
| Net charge-offs to loans | 0.2119% | 415 |
| Credit loss provision to net charge-offs | 115.3558% | 1,514 |
| Earnings coverage of net charge-offs (x) | 27.9288% | 1,631 |
| Efficiency ratio | 40.0823% | 4,359 |
| Assets per employee ($millions) | 5.9218% | 2,821 |
| Cash dividends to net income (ytd only)* | 7.9434% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,024 |
| Loan loss allowance to noncurrent loans | 83.0333% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 815 |
| Noncurrent loans to loans | 1.2873% | 591 |
| Net loans and leases to total assets | 53.4000% | 3,400 |
| Net loans and leases to deposits | 60.7756% | 3,458 |
| Net loans and leases to core deposits | 68.3371% | 3,303 |
| Total domestic deposits to total assets | 87.8600% | 1,622 |
| Equity capital to assets | 8.5713% | 2,681 |
| Core capital (leverage) ratio | 10.7705% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4574% | 1,027 |
| Memoranda: | ||
| Average total assets | $317,477,500 | 2,338 |
| Average earning assets | $293,067,000 | 2,346 |
| Average equity | $25,741,500 | 2,464 |
| Average total loans | $168,034,750 | 2,544 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6666% | 671 |
| Cost of funding earning assets | 0.4473% | 4,088 |
| Net interest margin | 5.2193% | 237 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.1174% | 3,301 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 2.3494% | 289 |
| Return on assets (ROA) | 2.2437% | 327 |
| Pretax return on assets | 2.9187% | 222 |
| Return on Equity (ROE) | 28.1300% | 262 |
| Retained earnings to average equity (ytd only) | 25.9155% | 111 |
| Net charge-offs to loans | 0.2174% | 372 |
| Credit loss provision to net charge-offs | 58.0110% | 1,643 |
| Earnings coverage of net charge-offs (x) | 27.2873% | 1,592 |
| Efficiency ratio | 39.5321% | 4,408 |
| Assets per employee ($millions) | 5.7977% | 2,886 |
| Cash dividends to net income (ytd only)* | 7.8807% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,362 |
| Loan loss allowance to noncurrent loans | 62.9466% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 570 |
| Noncurrent loans to loans | 1.6129% | 404 |
| Net loans and leases to total assets | 53.2200% | 3,327 |
| Net loans and leases to deposits | 58.3715% | 3,522 |
| Net loans and leases to core deposits | 64.6515% | 3,407 |
| Total domestic deposits to total assets | 91.1700% | 602 |
| Equity capital to assets | 8.5395% | 2,830 |
| Core capital (leverage) ratio | 10.2493% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0748% | 1,552 |
| Memoranda: | ||
| Average total assets | $316,711,667 | 2,347 |
| Average earning assets | $293,331,667 | 2,352 |
| Average equity | $25,259,000 | 2,510 |
| Average total loans | $166,511,333 | 2,550 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4583% | 658 |
| Cost of funding earning assets | 0.3405% | 4,106 |
| Net interest margin | 5.1178% | 247 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.1725% | 3,180 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 2.1931% | 373 |
| Return on assets (ROA) | 2.1147% | 413 |
| Pretax return on assets | 2.7614% | 261 |
| Return on Equity (ROE) | 27.4700% | 314 |
| Retained earnings to average equity (ytd only) | 25.1866% | 175 |
| Net charge-offs to loans | 0.1425% | 477 |
| Credit loss provision to net charge-offs | 127.1186% | 1,012 |
| Earnings coverage of net charge-offs (x) | 39.8814% | 1,191 |
| Efficiency ratio | 41.4401% | 4,407 |
| Assets per employee ($millions) | 5.7289% | 3,003 |
| Cash dividends to net income (ytd only)* | 8.3135% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,110 |
| Loan loss allowance to noncurrent loans | 245.2830% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 1,904 |
| Noncurrent loans to loans | 0.4439% | 1,612 |
| Net loans and leases to total assets | 53.4500% | 3,237 |
| Net loans and leases to deposits | 58.5390% | 3,420 |
| Net loans and leases to core deposits | 63.9785% | 3,344 |
| Total domestic deposits to total assets | 91.3000% | 701 |
| Equity capital to assets | 8.3275% | 3,022 |
| Core capital (leverage) ratio | 9.6112% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6397% | 1,752 |
| Memoranda: | ||
| Average total assets | $318,530,000 | 2,367 |
| Average earning assets | $294,889,500 | 2,374 |
| Average equity | $24,521,000 | 2,571 |
| Average total loans | $165,603,500 | 2,583 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0497% | 1,590 |
| Cost of funding earning assets | 0.1968% | 3,786 |
| Net interest margin | 3.8529% | 1,058 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.1534% | 3,148 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2671% | 1,541 |
| Return on assets (ROA) | 1.2673% | 1,490 |
| Pretax return on assets | 1.6100% | 1,148 |
| Return on Equity (ROE) | 17.5600% | 770 |
| Retained earnings to average equity (ytd only) | 15.2350% | 276 |
| Net charge-offs to loans | 0.0014% | 2,516 |
| Credit loss provision to net charge-offs | 19,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 2,820.5000% | 51 |
| Efficiency ratio | 54.3261% | 3,771 |
| Assets per employee ($millions) | 5.9582% | 2,805 |
| Cash dividends to net income (ytd only)* | 13.2303% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,329 |
| Loan loss allowance to noncurrent loans | 71.7014% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 684 |
| Noncurrent loans to loans | 1.4045% | 474 |
| Net loans and leases to total assets | 49.5600% | 3,535 |
| Net loans and leases to deposits | 53.4437% | 3,710 |
| Net loans and leases to core deposits | 58.0607% | 3,613 |
| Total domestic deposits to total assets | 92.7200% | 465 |
| Equity capital to assets | 7.1040% | 3,615 |
| Core capital (leverage) ratio | 8.8014% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6131% | 1,760 |
| Memoranda: | ||
| Average total assets | $326,828,600 | 2,313 |
| Average earning assets | $299,332,400 | 2,339 |
| Average equity | $23,590,400 | 2,664 |
| Average total loans | $146,016,800 | 2,667 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6943% | 2,063 |
| Cost of funding earning assets | 0.1902% | 3,394 |
| Net interest margin | 3.5041% | 1,652 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.9807% | 3,530 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.1394% | 1,933 |
| Return on assets (ROA) | 1.1398% | 1,903 |
| Pretax return on assets | 1.4561% | 1,535 |
| Return on Equity (ROE) | 15.7300% | 1,032 |
| Retained earnings to average equity (ytd only) | 13.4299% | 553 |
| Net charge-offs to loans | -0.0113% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.4525% | 3,782 |
| Assets per employee ($millions) | 5.8156% | 2,915 |
| Cash dividends to net income (ytd only)* | 14.6132% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,432 |
| Loan loss allowance to noncurrent loans | 137.3252% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 1,568 |
| Noncurrent loans to loans | 0.7346% | 1,108 |
| Net loans and leases to total assets | 46.5100% | 3,728 |
| Net loans and leases to deposits | 49.9134% | 3,862 |
| Net loans and leases to core deposits | 53.9541% | 3,748 |
| Total domestic deposits to total assets | 93.1700% | 533 |
| Equity capital to assets | 6.6433% | 3,685 |
| Core capital (leverage) ratio | 8.2983% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2996% | 1,936 |
| Memoranda: | ||
| Average total assets | $326,610,500 | 2,335 |
| Average earning assets | $298,614,750 | 2,366 |
| Average equity | $23,668,000 | 2,699 |
| Average total loans | $141,509,500 | 2,720 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 2,497 |
| Cost of funding earning assets | 0.1864% | 3,098 |
| Net interest margin | 3.1917% | 2,215 |
| Noninterest income to average assets | 0.3502% | 3,059 |
| Noninterest expense to average assets | 1.9330% | 3,625 |
| Loan and lease loss provision to assets | 0.1446% | 660 |
| Net operating income to assets | 0.9546% | 2,338 |
| Return on assets (ROA) | 0.9551% | 2,312 |
| Pretax return on assets | 1.1927% | 2,100 |
| Return on Equity (ROE) | 12.8176% | 1,435 |
| Retained earnings to average equity (ytd only) | 10.6043% | 873 |
| Net charge-offs to loans | 0.0468% | 925 |
| Credit loss provision to net charge-offs | 734.3750% | 502 |
| Earnings coverage of net charge-offs (x) | 67.8750% | 1,018 |
| Efficiency ratio | 57.7075% | 3,597 |
| Assets per employee ($millions) | 5.8871% | 2,843 |
| Cash dividends to net income (ytd only)* | 17.2680% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,591 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 1,465 |
| Noncurrent loans to loans | 0.8578% | 991 |
| Net loans and leases to total assets | 44.3172% | 3,812 |
| Net loans and leases to deposits | 47.5036% | 3,947 |
| Net loans and leases to core deposits | 51.0198% | 3,873 |
| Total domestic deposits to total assets | 93.2923% | 439 |
| Equity capital to assets | 6.5200% | 4,014 |
| Core capital (leverage) ratio | 8.0423% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0974% | 2,018 |
| Memoranda: | ||
| Average total assets | $324,983,333 | 2,361 |
| Average earning assets | $297,272,333 | 2,397 |
| Average equity | $24,216,667 | 2,729 |
| Average total loans | $136,767,667 | 2,779 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1577% | 2,806 |
| Cost of funding earning assets | 0.1838% | 3,034 |
| Net interest margin | 2.9739% | 2,589 |
| Noninterest income to average assets | 0.3819% | 2,799 |
| Noninterest expense to average assets | 1.8499% | 3,811 |
| Loan and lease loss provision to assets | 0.1550% | 501 |
| Net operating income to assets | 0.9165% | 2,220 |
| Return on assets (ROA) | 0.9175% | 2,211 |
| Pretax return on assets | 1.1060% | 2,121 |
| Return on Equity (ROE) | 11.5670% | 1,431 |
| Retained earnings to average equity (ytd only) | 9.5506% | 1,132 |
| Net charge-offs to loans | 0.1401% | 405 |
| Credit loss provision to net charge-offs | 271.7391% | 700 |
| Earnings coverage of net charge-offs (x) | 22.0870% | 1,244 |
| Efficiency ratio | 57.9745% | 3,686 |
| Assets per employee ($millions) | 6.2933% | 2,564 |
| Cash dividends to net income (ytd only)* | 17.4324% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 3,701 |
| Loan loss allowance to noncurrent loans | 72.7028% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 1,047 |
| Noncurrent loans to loans | 1.3833% | 620 |
| Net loans and leases to total assets | 40.6961% | 3,962 |
| Net loans and leases to deposits | 44.0434% | 4,062 |
| Net loans and leases to core deposits | 47.6973% | 3,997 |
| Total domestic deposits to total assets | 92.4000% | 433 |
| Equity capital to assets | 7.4304% | 3,975 |
| Core capital (leverage) ratio | 7.9492% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2995% | 2,077 |
| Memoranda: | ||
| Average total assets | $322,606,000 | 2,382 |
| Average earning assets | $295,909,500 | 2,416 |
| Average equity | $25,590,000 | 2,733 |
| Average total loans | $131,360,500 | 2,831 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 2,505 |
| Cost of funding earning assets | 0.2321% | 3,116 |
| Net interest margin | 3.3215% | 2,256 |
| Noninterest income to average assets | 0.3431% | 3,362 |
| Noninterest expense to average assets | 2.1688% | 3,179 |
| Loan and lease loss provision to assets | 0.0438% | 2,180 |
| Net operating income to assets | 0.9435% | 2,892 |
| Return on assets (ROA) | 0.9432% | 2,965 |
| Pretax return on assets | 1.1877% | 2,704 |
| Return on Equity (ROE) | 10.1784% | 2,465 |
| Retained earnings to average equity (ytd only) | 8.0625% | 1,511 |
| Net charge-offs to loans | 0.2884% | 304 |
| Credit loss provision to net charge-offs | 35.4108% | 2,215 |
| Earnings coverage of net charge-offs (x) | 9.9490% | 2,235 |
| Efficiency ratio | 62.2280% | 2,838 |
| Assets per employee ($millions) | 5.9993% | 2,777 |
| Cash dividends to net income (ytd only)* | 20.7884% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 3,779 |
| Loan loss allowance to noncurrent loans | 73.9837% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 1,177 |
| Noncurrent loans to loans | 1.3433% | 698 |
| Net loans and leases to total assets | 39.9155% | 4,094 |
| Net loans and leases to deposits | 43.6897% | 4,191 |
| Net loans and leases to core deposits | 47.4628% | 4,120 |
| Total domestic deposits to total assets | 91.3612% | 366 |
| Equity capital to assets | 8.4488% | 4,081 |
| Core capital (leverage) ratio | 8.0232% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3983% | 2,081 |
| Memoranda: | ||
| Average total assets | $285,085,400 | 2,507 |
| Average earning assets | $262,441,200 | 2,535 |
| Average equity | $26,418,600 | 2,756 |
| Average total loans | $122,413,400 | 2,930 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6875% | 2,309 |
| Cost of funding earning assets | 0.2425% | 3,192 |
| Net interest margin | 3.4450% | 2,025 |
| Noninterest income to average assets | 0.3568% | 3,318 |
| Noninterest expense to average assets | 2.1107% | 3,330 |
| Loan and lease loss provision to assets | 0.0603% | 1,786 |
| Net operating income to assets | 1.0634% | 2,675 |
| Return on assets (ROA) | 1.0638% | 2,740 |
| Pretax return on assets | 1.3542% | 2,482 |
| Return on Equity (ROE) | 11.1956% | 2,312 |
| Retained earnings to average equity (ytd only) | 8.9859% | 1,702 |
| Net charge-offs to loans | 0.1786% | 482 |
| Credit loss provision to net charge-offs | 77.1605% | 1,725 |
| Earnings coverage of net charge-offs (x) | 18.1235% | 1,795 |
| Efficiency ratio | 58.3413% | 3,215 |
| Assets per employee ($millions) | 5.5814% | 3,110 |
| Cash dividends to net income (ytd only)* | 19.7374% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,990 |
| Loan loss allowance to noncurrent loans | 63.6127% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7860% | 916 |
| Noncurrent loans to loans | 1.8852% | 487 |
| Net loans and leases to total assets | 40.0468% | 4,205 |
| Net loans and leases to deposits | 44.1211% | 4,305 |
| Net loans and leases to core deposits | 48.0310% | 4,238 |
| Total domestic deposits to total assets | 90.7656% | 447 |
| Equity capital to assets | 9.0154% | 3,817 |
| Core capital (leverage) ratio | 8.3031% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0108% | 1,967 |
| Memoranda: | ||
| Average total assets | $276,866,250 | 2,575 |
| Average earning assets | $254,581,500 | 2,613 |
| Average equity | $26,307,250 | 2,798 |
| Average total loans | $120,969,250 | 2,984 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 1,601 |
| Cost of funding earning assets | 0.2613% | 3,173 |
| Net interest margin | 3.7226% | 1,293 |
| Noninterest income to average assets | 0.3506% | 3,361 |
| Noninterest expense to average assets | 2.1638% | 3,202 |
| Loan and lease loss provision to assets | 0.0372% | 2,245 |
| Net operating income to assets | 1.2135% | 2,138 |
| Return on assets (ROA) | 1.2140% | 2,213 |
| Pretax return on assets | 1.5550% | 1,860 |
| Return on Equity (ROE) | 12.5370% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.1311% | 1,360 |
| Net charge-offs to loans | 0.0630% | 984 |
| Credit loss provision to net charge-offs | 131.5789% | 1,215 |
| Earnings coverage of net charge-offs (x) | 56.2632% | 1,001 |
| Efficiency ratio | 56.1348% | 3,524 |
| Assets per employee ($millions) | 5.3990% | 3,242 |
| Cash dividends to net income (ytd only)* | 19.1907% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,774 |
| Loan loss allowance to noncurrent loans | 56.8745% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 797 |
| Noncurrent loans to loans | 2.1625% | 419 |
| Net loans and leases to total assets | 41.7045% | 4,199 |
| Net loans and leases to deposits | 46.0147% | 4,311 |
| Net loans and leases to core deposits | 49.7238% | 4,242 |
| Total domestic deposits to total assets | 90.6330% | 506 |
| Equity capital to assets | 9.1564% | 3,651 |
| Core capital (leverage) ratio | 8.7074% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0295% | 1,961 |
| Memoranda: | ||
| Average total assets | $268,690,000 | 2,624 |
| Average earning assets | $245,739,667 | 2,652 |
| Average equity | $26,019,000 | 2,809 |
| Average total loans | $120,571,000 | 3,000 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 1,986 |
| Cost of funding earning assets | 0.2973% | 3,022 |
| Net interest margin | 3.5400% | 1,726 |
| Noninterest income to average assets | 0.3607% | 3,282 |
| Noninterest expense to average assets | 2.1412% | 3,298 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1867% | 2,203 |
| Return on assets (ROA) | 1.1880% | 2,265 |
| Pretax return on assets | 1.4430% | 2,159 |
| Return on Equity (ROE) | 11.9119% | 2,050 |
| Retained earnings to average equity (ytd only) | 8.9495% | 1,962 |
| Net charge-offs to loans | 0.0201% | 1,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 154.5000% | 479 |
| Efficiency ratio | 58.1163% | 3,281 |
| Assets per employee ($millions) | 4.9303% | 3,733 |
| Cash dividends to net income (ytd only)* | 24.8691% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,652 |
| Loan loss allowance to noncurrent loans | 67.4786% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8759% | 1,005 |
| Noncurrent loans to loans | 1.8565% | 611 |
| Net loans and leases to total assets | 44.2927% | 4,098 |
| Net loans and leases to deposits | 49.1747% | 4,214 |
| Net loans and leases to core deposits | 53.4202% | 4,125 |
| Total domestic deposits to total assets | 90.0720% | 789 |
| Equity capital to assets | 9.6233% | 3,074 |
| Core capital (leverage) ratio | 9.0759% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9320% | 1,916 |
| Memoranda: | ||
| Average total assets | $257,243,000 | 2,689 |
| Average earning assets | $234,125,000 | 2,710 |
| Average equity | $25,655,000 | 2,824 |
| Average total loans | $119,306,000 | 3,021 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 887 |
| Cost of funding earning assets | 0.4345% | 3,380 |
| Net interest margin | 4.2685% | 545 |
| Noninterest income to average assets | 0.4062% | 3,063 |
| Noninterest expense to average assets | 2.5835% | 2,610 |
| Loan and lease loss provision to assets | 0.3242% | 1,127 |
| Net operating income to assets | 1.0953% | 1,944 |
| Return on assets (ROA) | 1.0950% | 2,065 |
| Pretax return on assets | 1.3684% | 1,758 |
| Return on Equity (ROE) | 9.7631% | 2,087 |
| Retained earnings to average equity (ytd only) | 4.5197% | 2,522 |
| Net charge-offs to loans | 0.2701% | 636 |
| Credit loss provision to net charge-offs | 225.5521% | 2,045 |
| Earnings coverage of net charge-offs (x) | 11.7792% | 2,384 |
| Efficiency ratio | 58.8210% | 3,610 |
| Assets per employee ($millions) | 4.6839% | 3,733 |
| Cash dividends to net income (ytd only)* | 53.7060% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,620 |
| Loan loss allowance to noncurrent loans | 57.7470% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 865 |
| Noncurrent loans to loans | 2.1822% | 498 |
| Net loans and leases to total assets | 47.4082% | 4,014 |
| Net loans and leases to deposits | 53.0628% | 4,157 |
| Net loans and leases to core deposits | 58.0137% | 4,053 |
| Total domestic deposits to total assets | 89.3437% | 833 |
| Equity capital to assets | 10.3481% | 2,798 |
| Core capital (leverage) ratio | 9.4078% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1757% | 1,791 |
| Memoranda: | ||
| Average total assets | $220,557,200 | 2,793 |
| Average earning assets | $199,978,200 | 2,823 |
| Average equity | $24,736,000 | 2,824 |
| Average total loans | $117,343,800 | 3,009 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 585 |
| Cost of funding earning assets | 0.4618% | 3,459 |
| Net interest margin | 4.5550% | 338 |
| Noninterest income to average assets | 0.4169% | 2,999 |
| Noninterest expense to average assets | 2.5214% | 2,774 |
| Loan and lease loss provision to assets | 0.3838% | 953 |
| Net operating income to assets | 1.3105% | 1,332 |
| Return on assets (ROA) | 1.3100% | 1,426 |
| Pretax return on assets | 1.6414% | 1,087 |
| Return on Equity (ROE) | 11.4239% | 1,546 |
| Retained earnings to average equity (ytd only) | 5.0344% | 2,542 |
| Net charge-offs to loans | 0.3285% | 476 |
| Credit loss provision to net charge-offs | 213.5417% | 2,057 |
| Earnings coverage of net charge-offs (x) | 11.2708% | 2,308 |
| Efficiency ratio | 53.9116% | 4,156 |
| Assets per employee ($millions) | 4.0731% | 4,265 |
| Cash dividends to net income (ytd only)* | 55.9314% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 2,752 |
| Loan loss allowance to noncurrent loans | 48.2956% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.3004% | 727 |
| Noncurrent loans to loans | 2.4538% | 432 |
| Net loans and leases to total assets | 51.3945% | 4,006 |
| Net loans and leases to deposits | 57.9820% | 4,165 |
| Net loans and leases to core deposits | 64.3030% | 3,999 |
| Total domestic deposits to total assets | 88.6387% | 923 |
| Equity capital to assets | 11.0133% | 2,389 |
| Core capital (leverage) ratio | 9.7617% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2119% | 1,762 |
| Memoranda: | ||
| Average total assets | $213,634,500 | 2,821 |
| Average earning assets | $193,717,750 | 2,865 |
| Average equity | $24,497,750 | 2,832 |
| Average total loans | $116,881,750 | 3,023 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0428% | 769 |
| Cost of funding earning assets | 0.4956% | 3,562 |
| Net interest margin | 4.5471% | 458 |
| Noninterest income to average assets | 0.3564% | 3,341 |
| Noninterest expense to average assets | 2.6054% | 2,643 |
| Loan and lease loss provision to assets | 0.4479% | 858 |
| Net operating income to assets | 1.1315% | 1,871 |
| Return on assets (ROA) | 1.1308% | 1,992 |
| Pretax return on assets | 1.3937% | 1,742 |
| Return on Equity (ROE) | 9.6789% | 2,086 |
| Retained earnings to average equity (ytd only) | 1.0141% | 4,098 |
| Net charge-offs to loans | 0.4602% | 344 |
| Credit loss provision to net charge-offs | 174.8120% | 2,015 |
| Earnings coverage of net charge-offs (x) | 7.1917% | 2,386 |
| Efficiency ratio | 56.9511% | 3,826 |
| Assets per employee ($millions) | 3.9908% | 4,323 |
| Cash dividends to net income (ytd only)* | 89.5230% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,132 |
| Loan loss allowance to noncurrent loans | 53.1620% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.1473% | 969 |
| Noncurrent loans to loans | 2.0479% | 648 |
| Net loans and leases to total assets | 52.9718% | 3,957 |
| Net loans and leases to deposits | 59.8114% | 4,128 |
| Net loans and leases to core deposits | 66.0225% | 3,972 |
| Total domestic deposits to total assets | 88.5647% | 916 |
| Equity capital to assets | 11.1064% | 2,243 |
| Core capital (leverage) ratio | 10.0561% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1137% | 1,763 |
| Memoranda: | ||
| Average total assets | $207,648,000 | 2,842 |
| Average earning assets | $186,842,333 | 2,900 |
| Average equity | $24,259,000 | 2,834 |
| Average total loans | $115,592,000 | 3,027 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2335% | 623 |
| Cost of funding earning assets | 0.5489% | 3,699 |
| Net interest margin | 4.6846% | 345 |
| Noninterest income to average assets | 0.2964% | 3,747 |
| Noninterest expense to average assets | 2.6295% | 2,893 |
| Loan and lease loss provision to assets | 0.6309% | 432 |
| Net operating income to assets | 0.9693% | 2,286 |
| Return on assets (ROA) | 0.9693% | 2,389 |
| Pretax return on assets | 1.2236% | 2,116 |
| Return on Equity (ROE) | 8.0741% | 2,489 |
| Retained earnings to average equity (ytd only) | 4.9045% | 2,317 |
| Net charge-offs to loans | 0.8279% | 177 |
| Credit loss provision to net charge-offs | 134.0426% | 1,647 |
| Earnings coverage of net charge-offs (x) | 3.9404% | 2,173 |
| Efficiency ratio | 56.9451% | 4,119 |
| Assets per employee ($millions) | 3.6147% | 4,370 |
| Cash dividends to net income (ytd only)* | 39.2562% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,483 |
| Loan loss allowance to noncurrent loans | 53.9690% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.1594% | 1,092 |
| Noncurrent loans to loans | 1.9301% | 753 |
| Net loans and leases to total assets | 56.5281% | 3,794 |
| Net loans and leases to deposits | 64.6171% | 3,944 |
| Net loans and leases to core deposits | 72.7117% | 3,718 |
| Total domestic deposits to total assets | 87.4816% | 1,344 |
| Equity capital to assets | 12.0059% | 2,064 |
| Core capital (leverage) ratio | 10.9185% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2371% | 1,544 |
| Memoranda: | ||
| Average total assets | $199,730,500 | 2,871 |
| Average earning assets | $178,542,500 | 2,937 |
| Average equity | $23,978,000 | 2,853 |
| Average total loans | $113,545,000 | 3,037 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3499% | 746 |
| Cost of funding earning assets | 0.5339% | 3,957 |
| Net interest margin | 4.8160% | 383 |
| Noninterest income to average assets | 0.4550% | 2,979 |
| Noninterest expense to average assets | 2.9385% | 2,174 |
| Loan and lease loss provision to assets | 0.2372% | 802 |
| Net operating income to assets | 1.2225% | 1,975 |
| Return on assets (ROA) | 1.2225% | 2,062 |
| Pretax return on assets | 1.5784% | 1,549 |
| Return on Equity (ROE) | 10.1911% | 2,208 |
| Retained earnings to average equity (ytd only) | 7.7345% | 1,069 |
| Net charge-offs to loans | 0.2690% | 774 |
| Credit loss provision to net charge-offs | 157.8947% | 1,628 |
| Earnings coverage of net charge-offs (x) | 12.0842% | 2,436 |
| Efficiency ratio | 60.1464% | 3,674 |
| Assets per employee ($millions) | 3.5830% | 4,387 |
| Cash dividends to net income (ytd only)* | 24.1052% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 3,635 |
| Loan loss allowance to noncurrent loans | 42.0732% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.3671% | 777 |
| Noncurrent loans to loans | 2.3114% | 514 |
| Net loans and leases to total assets | 56.0274% | 3,920 |
| Net loans and leases to deposits | 64.0988% | 4,069 |
| Net loans and leases to core deposits | 71.8341% | 3,862 |
| Total domestic deposits to total assets | 87.4079% | 1,403 |
| Equity capital to assets | 12.0045% | 2,135 |
| Core capital (leverage) ratio | 10.9587% | 2,536 |
| Tier 1 risk-based capital ratio | 13.9957% | 3,279 |
| Total risk-based capital ratio | 14.7234% | 3,429 |
| Memoranda: | ||
| Average total assets | $189,690,200 | 2,920 |
| Average earning assets | $169,330,600 | 2,998 |
| Average equity | $22,755,200 | 2,890 |
| Average total loans | $105,956,800 | 3,146 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 805 |
| Cost of funding earning assets | 0.5184% | 4,071 |
| Net interest margin | 4.8163% | 405 |
| Noninterest income to average assets | 0.4892% | 2,799 |
| Noninterest expense to average assets | 2.8592% | 2,380 |
| Loan and lease loss provision to assets | 0.2140% | 806 |
| Net operating income to assets | 1.3408% | 1,676 |
| Return on assets (ROA) | 1.3408% | 1,750 |
| Pretax return on assets | 1.7231% | 1,271 |
| Return on Equity (ROE) | 11.1791% | 1,936 |
| Retained earnings to average equity (ytd only) | 8.5865% | 1,174 |
| Net charge-offs to loans | 0.2793% | 628 |
| Credit loss provision to net charge-offs | 137.6147% | 1,747 |
| Earnings coverage of net charge-offs (x) | 12.4587% | 2,358 |
| Efficiency ratio | 57.9331% | 3,947 |
| Assets per employee ($millions) | 3.5151% | 4,483 |
| Cash dividends to net income (ytd only)* | 23.1916% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 3,852 |
| Loan loss allowance to noncurrent loans | 54.9220% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 1,057 |
| Noncurrent loans to loans | 1.7168% | 851 |
| Net loans and leases to total assets | 55.4812% | 4,080 |
| Net loans and leases to deposits | 63.7044% | 4,193 |
| Net loans and leases to core deposits | 71.6051% | 3,971 |
| Total domestic deposits to total assets | 87.0916% | 1,471 |
| Equity capital to assets | 12.2484% | 2,077 |
| Core capital (leverage) ratio | 11.1600% | 2,504 |
| Tier 1 risk-based capital ratio | 14.2235% | 3,209 |
| Total risk-based capital ratio | 14.9191% | 3,401 |
| Memoranda: | ||
| Average total assets | $186,950,250 | 2,968 |
| Average earning assets | $167,177,000 | 3,047 |
| Average equity | $22,422,250 | 2,943 |
| Average total loans | $104,065,250 | 3,207 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2816% | 842 |
| Cost of funding earning assets | 0.4889% | 4,166 |
| Net interest margin | 4.7926% | 412 |
| Noninterest income to average assets | 0.4318% | 3,054 |
| Noninterest expense to average assets | 2.9109% | 2,257 |
| Loan and lease loss provision to assets | 0.1948% | 892 |
| Net operating income to assets | 1.2498% | 1,961 |
| Return on assets (ROA) | 1.2498% | 2,017 |
| Pretax return on assets | 1.6113% | 1,513 |
| Return on Equity (ROE) | 10.4986% | 2,177 |
| Retained earnings to average equity (ytd only) | 7.6535% | 1,538 |
| Net charge-offs to loans | 0.2611% | 638 |
| Credit loss provision to net charge-offs | 134.3284% | 1,622 |
| Earnings coverage of net charge-offs (x) | 12.4552% | 2,153 |
| Efficiency ratio | 59.9908% | 3,729 |
| Assets per employee ($millions) | 3.1994% | 4,772 |
| Cash dividends to net income (ytd only)* | 27.0996% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 3,935 |
| Loan loss allowance to noncurrent loans | 49.3734% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.3192% | 949 |
| Noncurrent loans to loans | 1.8973% | 782 |
| Net loans and leases to total assets | 56.1331% | 4,071 |
| Net loans and leases to deposits | 64.5584% | 4,194 |
| Net loans and leases to core deposits | 72.7292% | 3,962 |
| Total domestic deposits to total assets | 86.9493% | 1,620 |
| Equity capital to assets | 12.3545% | 1,935 |
| Core capital (leverage) ratio | 10.9806% | 2,621 |
| Tier 1 risk-based capital ratio | 14.2878% | 3,166 |
| Total risk-based capital ratio | 14.9832% | 3,358 |
| Memoranda: | ||
| Average total assets | $184,823,000 | 3,006 |
| Average earning assets | $165,253,670 | 3,080 |
| Average equity | $22,003,000 | 2,972 |
| Average total loans | $102,659,000 | 3,248 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1676% | 965 |
| Cost of funding earning assets | 0.4578% | 4,250 |
| Net interest margin | 4.7098% | 484 |
| Noninterest income to average assets | 0.4381% | 2,923 |
| Noninterest expense to average assets | 2.7281% | 2,817 |
| Loan and lease loss provision to assets | 0.1952% | 830 |
| Net operating income to assets | 1.3445% | 1,539 |
| Return on assets (ROA) | 1.3445% | 1,583 |
| Pretax return on assets | 1.7089% | 1,188 |
| Return on Equity (ROE) | 11.5127% | 1,731 |
| Retained earnings to average equity (ytd only) | 7.9846% | 1,667 |
| Net charge-offs to loans | 0.2406% | 604 |
| Credit loss provision to net charge-offs | 147.5410% | 1,257 |
| Earnings coverage of net charge-offs (x) | 14.3934% | 1,796 |
| Efficiency ratio | 57.1161% | 4,201 |
| Assets per employee ($millions) | 3.2181% | 4,821 |
| Cash dividends to net income (ytd only)* | 30.6452% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 3,961 |
| Loan loss allowance to noncurrent loans | 35.7724% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.7980% | 587 |
| Noncurrent loans to loans | 2.6567% | 468 |
| Net loans and leases to total assets | 54.0512% | 4,206 |
| Net loans and leases to deposits | 61.8784% | 4,306 |
| Net loans and leases to core deposits | 69.1194% | 4,127 |
| Total domestic deposits to total assets | 87.3506% | 1,642 |
| Equity capital to assets | 11.7767% | 2,174 |
| Core capital (leverage) ratio | 10.9350% | 2,629 |
| Tier 1 risk-based capital ratio | 14.1977% | 3,243 |
| Total risk-based capital ratio | 14.8921% | 3,439 |
| Memoranda: | ||
| Average total assets | $184,450,500 | 3,040 |
| Average earning assets | $164,253,000 | 3,124 |
| Average equity | $21,541,500 | 3,022 |
| Average total loans | $101,413,500 | 3,303 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8197% | 1,502 |
| Cost of funding earning assets | 0.4796% | 3,485 |
| Net interest margin | 4.3401% | 1,063 |
| Noninterest income to average assets | 0.5105% | 2,773 |
| Noninterest expense to average assets | 2.9918% | 2,064 |
| Loan and lease loss provision to assets | 0.3242% | 491 |
| Net operating income to assets | 0.7775% | 3,887 |
| Return on assets (ROA) | 0.7775% | 3,889 |
| Pretax return on assets | 1.0303% | 3,511 |
| Return on Equity (ROE) | 6.8899% | 3,861 |
| Retained earnings to average equity (ytd only) | 4.1909% | 3,245 |
| Net charge-offs to loans | 0.0953% | 1,809 |
| Credit loss provision to net charge-offs | 668.5393% | 518 |
| Earnings coverage of net charge-offs (x) | 27.9326% | 1,670 |
| Efficiency ratio | 66.9550% | 2,721 |
| Assets per employee ($millions) | 3.5048% | 4,543 |
| Cash dividends to net income (ytd only)* | 39.1731% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 4,046 |
| Loan loss allowance to noncurrent loans | 38.4678% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.7388% | 610 |
| Noncurrent loans to loans | 2.4175% | 517 |
| Net loans and leases to total assets | 54.8877% | 4,219 |
| Net loans and leases to deposits | 62.7188% | 4,327 |
| Net loans and leases to core deposits | 69.7655% | 4,128 |
| Total domestic deposits to total assets | 87.5140% | 1,526 |
| Equity capital to assets | 11.5785% | 2,194 |
| Core capital (leverage) ratio | 10.6908% | 2,846 |
| Tier 1 risk-based capital ratio | 13.8194% | 3,373 |
| Total risk-based capital ratio | 14.4910% | 3,587 |
| Memoranda: | ||
| Average total assets | $183,532,600 | 3,019 |
| Average earning assets | $162,209,600 | 3,120 |
| Average equity | $20,711,600 | 3,020 |
| Average total loans | $93,432,200 | 3,415 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 1,666 |
| Cost of funding earning assets | 0.4732% | 3,373 |
| Net interest margin | 4.2304% | 1,286 |
| Noninterest income to average assets | 0.4960% | 2,898 |
| Noninterest expense to average assets | 2.8645% | 2,419 |
| Loan and lease loss provision to assets | 0.3880% | 327 |
| Net operating income to assets | 0.7861% | 3,952 |
| Return on assets (ROA) | 0.7861% | 3,964 |
| Pretax return on assets | 0.9710% | 3,813 |
| Return on Equity (ROE) | 7.0113% | 3,930 |
| Retained earnings to average equity (ytd only) | 4.1912% | 3,679 |
| Net charge-offs to loans | 0.1238% | 1,275 |
| Credit loss provision to net charge-offs | 629.4118% | 572 |
| Earnings coverage of net charge-offs (x) | 22.0471% | 1,897 |
| Efficiency ratio | 65.8826% | 2,891 |
| Assets per employee ($millions) | 3.4059% | 4,676 |
| Cash dividends to net income (ytd only)* | 40.2214% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 4,181 |
| Loan loss allowance to noncurrent loans | 58.0539% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.2459% | 1,117 |
| Noncurrent loans to loans | 1.5853% | 1,004 |
| Net loans and leases to total assets | 52.6616% | 4,448 |
| Net loans and leases to deposits | 60.0848% | 4,543 |
| Net loans and leases to core deposits | 66.6013% | 4,374 |
| Total domestic deposits to total assets | 87.6453% | 1,419 |
| Equity capital to assets | 11.4079% | 2,327 |
| Core capital (leverage) ratio | 10.8528% | 2,732 |
| Tier 1 risk-based capital ratio | 13.9543% | 3,396 |
| Total risk-based capital ratio | 14.6005% | 3,628 |
| Memoranda: | ||
| Average total assets | $183,852,750 | 3,042 |
| Average earning assets | $161,997,500 | 3,142 |
| Average equity | $20,614,000 | 3,053 |
| Average total loans | $91,547,000 | 3,469 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5908% | 1,805 |
| Cost of funding earning assets | 0.4504% | 3,356 |
| Net interest margin | 4.1405% | 1,444 |
| Noninterest income to average assets | 0.4440% | 3,193 |
| Noninterest expense to average assets | 3.0831% | 1,827 |
| Loan and lease loss provision to assets | 0.2127% | 783 |
| Net operating income to assets | 0.7866% | 3,899 |
| Return on assets (ROA) | 0.7866% | 3,903 |
| Pretax return on assets | 0.8292% | 4,164 |
| Return on Equity (ROE) | 7.2142% | 3,829 |
| Retained earnings to average equity (ytd only) | 4.0824% | 3,566 |
| Net charge-offs to loans | 0.1710% | 912 |
| Credit loss provision to net charge-offs | 253.2468% | 1,125 |
| Earnings coverage of net charge-offs (x) | 12.4026% | 2,206 |
| Efficiency ratio | 72.7585% | 1,876 |
| Assets per employee ($millions) | 3.3419% | 4,774 |
| Cash dividends to net income (ytd only)* | 43.4119% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5982% | 5,107 |
| Loan loss allowance to noncurrent loans | 29.0306% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 1.4585% | 920 |
| Noncurrent loans to loans | 2.0605% | 714 |
| Net loans and leases to total assets | 50.7381% | 4,564 |
| Net loans and leases to deposits | 57.6678% | 4,657 |
| Net loans and leases to core deposits | 63.9913% | 4,489 |
| Total domestic deposits to total assets | 87.9835% | 1,391 |
| Equity capital to assets | 11.0396% | 2,601 |
| Core capital (leverage) ratio | 11.0051% | 2,522 |
| Tier 1 risk-based capital ratio | 14.9637% | 2,894 |
| Total risk-based capital ratio | 15.3824% | 3,214 |
| Memoranda: | ||
| Average total assets | $183,320,000 | 3,066 |
| Average earning assets | $162,977,000 | 3,147 |
| Average equity | $19,988,330 | 3,132 |
| Average total loans | $90,081,000 | 3,513 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 2,005 |
| Cost of funding earning assets | 0.4293% | 3,375 |
| Net interest margin | 4.0275% | 1,629 |
| Noninterest income to average assets | 0.4417% | 3,169 |
| Noninterest expense to average assets | 2.8406% | 2,566 |
| Loan and lease loss provision to assets | 0.2057% | 798 |
| Net operating income to assets | 0.9526% | 3,065 |
| Return on assets (ROA) | 0.9526% | 3,084 |
| Pretax return on assets | 0.9700% | 3,636 |
| Return on Equity (ROE) | 8.4854% | 3,154 |
| Retained earnings to average equity (ytd only) | 4.8020% | 3,258 |
| Net charge-offs to loans | 0.1931% | 763 |
| Credit loss provision to net charge-offs | 220.9302% | 979 |
| Earnings coverage of net charge-offs (x) | 12.6279% | 1,792 |
| Efficiency ratio | 68.6792% | 2,721 |
| Assets per employee ($millions) | 3.3921% | 4,800 |
| Cash dividends to net income (ytd only)* | 43.4091% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5350% | 5,284 |
| Loan loss allowance to noncurrent loans | 22.5372% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.6078% | 839 |
| Noncurrent loans to loans | 2.3738% | 594 |
| Net loans and leases to total assets | 49.2270% | 4,611 |
| Net loans and leases to deposits | 55.7513% | 4,711 |
| Net loans and leases to core deposits | 61.3104% | 4,594 |
| Total domestic deposits to total assets | 88.2975% | 1,462 |
| Equity capital to assets | 11.2898% | 2,310 |
| Core capital (leverage) ratio | 11.1479% | 2,282 |
| Tier 1 risk-based capital ratio | 15.2970% | 2,736 |
| Total risk-based capital ratio | 15.6640% | 3,077 |
| Memoranda: | ||
| Average total assets | $184,750,000 | 3,084 |
| Average earning assets | $163,973,500 | 3,165 |
| Average equity | $20,741,500 | 3,078 |
| Average total loans | $89,065,000 | 3,568 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 2,019 |
| Cost of funding earning assets | 0.3931% | 3,309 |
| Net interest margin | 4.0080% | 1,723 |
| Noninterest income to average assets | 0.7942% | 1,584 |
| Noninterest expense to average assets | 3.3430% | 1,302 |
| Loan and lease loss provision to assets | 0.0332% | 3,598 |
| Net operating income to assets | 0.6885% | 3,647 |
| Return on assets (ROA) | 0.6885% | 3,701 |
| Pretax return on assets | 0.9454% | 3,755 |
| Return on Equity (ROE) | 6.0161% | 3,755 |
| Retained earnings to average equity (ytd only) | 3.3127% | 3,310 |
| Net charge-offs to loans | 0.1149% | 1,900 |
| Credit loss provision to net charge-offs | 59.4059% | 3,223 |
| Earnings coverage of net charge-offs (x) | 17.5050% | 2,121 |
| Efficiency ratio | 75.4355% | 1,701 |
| Assets per employee ($millions) | 3.3877% | 4,838 |
| Cash dividends to net income (ytd only)* | 44.9357% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4950% | 5,394 |
| Loan loss allowance to noncurrent loans | 14.6979% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 2.0378% | 547 |
| Noncurrent loans to loans | 3.3679% | 306 |
| Net loans and leases to total assets | 46.7144% | 4,849 |
| Net loans and leases to deposits | 52.8193% | 4,942 |
| Net loans and leases to core deposits | 58.0618% | 4,848 |
| Total domestic deposits to total assets | 88.4418% | 1,276 |
| Equity capital to assets | 11.1648% | 2,473 |
| Core capital (leverage) ratio | 11.2928% | 2,099 |
| Tier 1 risk-based capital ratio | 15.8981% | 2,469 |
| Total risk-based capital ratio | 16.2371% | 2,786 |
| Memoranda: | ||
| Average total assets | $180,673,800 | 3,105 |
| Average earning assets | $159,006,200 | 3,212 |
| Average equity | $20,677,800 | 3,063 |
| Average total loans | $87,867,200 | 3,565 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4354% | 1,844 |
| Cost of funding earning assets | 0.3876% | 3,307 |
| Net interest margin | 4.0478% | 1,553 |
| Noninterest income to average assets | 0.7825% | 1,655 |
| Noninterest expense to average assets | 3.3068% | 1,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7698% | 3,647 |
| Return on assets (ROA) | 0.7698% | 3,701 |
| Pretax return on assets | 1.0331% | 3,554 |
| Return on Equity (ROE) | 6.6838% | 3,825 |
| Retained earnings to average equity (ytd only) | 3.8682% | 3,619 |
| Net charge-offs to loans | 0.0470% | 2,502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 44.8089% | 1,206 |
| Efficiency ratio | 74.6872% | 1,791 |
| Assets per employee ($millions) | 3.1972% | 5,069 |
| Cash dividends to net income (ytd only)* | 42.1256% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4958% | 5,476 |
| Loan loss allowance to noncurrent loans | 17.3386% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 1.8548% | 727 |
| Noncurrent loans to loans | 2.8593% | 465 |
| Net loans and leases to total assets | 49.6613% | 4,724 |
| Net loans and leases to deposits | 56.5807% | 4,837 |
| Net loans and leases to core deposits | 62.4823% | 4,682 |
| Total domestic deposits to total assets | 87.7707% | 1,489 |
| Equity capital to assets | 11.8082% | 2,104 |
| Core capital (leverage) ratio | 11.5693% | 1,971 |
| Tier 1 risk-based capital ratio | 15.6363% | 2,659 |
| Total risk-based capital ratio | 15.9797% | 2,982 |
| Memoranda: | ||
| Average total assets | $179,260,750 | 3,149 |
| Average earning assets | $157,545,250 | 3,262 |
| Average equity | $20,646,500 | 3,091 |
| Average total loans | $87,965,500 | 3,599 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3968% | 1,823 |
| Cost of funding earning assets | 0.3823% | 3,267 |
| Net interest margin | 4.0145% | 1,560 |
| Noninterest income to average assets | 0.7673% | 1,699 |
| Noninterest expense to average assets | 3.3301% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7249% | 3,738 |
| Return on assets (ROA) | 0.7249% | 3,808 |
| Pretax return on assets | 0.9502% | 3,761 |
| Return on Equity (ROE) | 6.3472% | 3,892 |
| Retained earnings to average equity (ytd only) | 3.2908% | 3,760 |
| Net charge-offs to loans | 0.0411% | 2,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 1,121 |
| Efficiency ratio | 76.4982% | 1,644 |
| Assets per employee ($millions) | 3.3779% | 4,894 |
| Cash dividends to net income (ytd only)* | 48.1538% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5166% | 5,499 |
| Loan loss allowance to noncurrent loans | 18.7964% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 1.8838% | 705 |
| Noncurrent loans to loans | 2.7484% | 510 |
| Net loans and leases to total assets | 49.9929% | 4,713 |
| Net loans and leases to deposits | 57.0239% | 4,802 |
| Net loans and leases to core deposits | 63.2547% | 4,651 |
| Total domestic deposits to total assets | 87.6700% | 1,633 |
| Equity capital to assets | 11.8916% | 2,010 |
| Core capital (leverage) ratio | 11.3383% | 2,094 |
| Tier 1 risk-based capital ratio | 16.0184% | 2,498 |
| Total risk-based capital ratio | 16.3858% | 2,803 |
| Memoranda: | ||
| Average total assets | $179,332,670 | 3,161 |
| Average earning assets | $156,933,000 | 3,283 |
| Average equity | $20,481,330 | 3,105 |
| Average total loans | $87,501,000 | 3,626 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 2,598 |
| Cost of funding earning assets | 0.3950% | 3,040 |
| Net interest margin | 3.7197% | 2,420 |
| Noninterest income to average assets | 0.7951% | 1,572 |
| Noninterest expense to average assets | 3.2593% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6699% | 3,837 |
| Return on assets (ROA) | 0.6699% | 3,877 |
| Pretax return on assets | 0.7621% | 4,236 |
| Return on Equity (ROE) | 5.7233% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.1392% | 4,286 |
| Net charge-offs to loans | 0.0594% | 1,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 26.6923% | 1,294 |
| Efficiency ratio | 78.9732% | 1,490 |
| Assets per employee ($millions) | 3.4791% | 4,820 |
| Cash dividends to net income (ytd only)* | 62.6230% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4877% | 5,605 |
| Loan loss allowance to noncurrent loans | 22.8220% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 1.5388% | 1,028 |
| Noncurrent loans to loans | 2.1370% | 808 |
| Net loans and leases to total assets | 48.1574% | 4,810 |
| Net loans and leases to deposits | 54.9082% | 4,889 |
| Net loans and leases to core deposits | 60.7013% | 4,739 |
| Total domestic deposits to total assets | 87.7053% | 1,885 |
| Equity capital to assets | 11.8647% | 1,932 |
| Core capital (leverage) ratio | 11.6567% | 1,851 |
| Tier 1 risk-based capital ratio | 16.7139% | 2,274 |
| Total risk-based capital ratio | 17.0584% | 2,565 |
| Memoranda: | ||
| Average total assets | $182,123,500 | 3,161 |
| Average earning assets | $157,968,000 | 3,297 |
| Average equity | $21,316,500 | 3,054 |
| Average total loans | $87,571,000 | 3,656 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 1,702 |
| Cost of funding earning assets | 0.4454% | 2,576 |
| Net interest margin | 3.9977% | 1,634 |
| Noninterest income to average assets | 0.6142% | 2,587 |
| Noninterest expense to average assets | 3.2839% | 1,611 |
| Loan and lease loss provision to assets | 0.0768% | 2,822 |
| Net operating income to assets | 0.5512% | 4,429 |
| Return on assets (ROA) | 0.5858% | 4,375 |
| Pretax return on assets | 0.7947% | 4,194 |
| Return on Equity (ROE) | 4.2873% | 4,739 |
| Retained earnings to average equity (ytd only) | -15.3230% | 5,836 |
| Net charge-offs to loans | 0.1462% | 1,804 |
| Credit loss provision to net charge-offs | 104.1667% | 2,486 |
| Earnings coverage of net charge-offs (x) | 11.1875% | 2,557 |
| Efficiency ratio | 78.5274% | 1,619 |
| Assets per employee ($millions) | 3.6666% | 4,526 |
| Cash dividends to net income (ytd only)* | 457.4050% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5023% | 5,658 |
| Loan loss allowance to noncurrent loans | 21.0627% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 1.6396% | 960 |
| Noncurrent loans to loans | 2.3849% | 675 |
| Net loans and leases to total assets | 47.5373% | 4,924 |
| Net loans and leases to deposits | 54.0106% | 5,011 |
| Net loans and leases to core deposits | 59.7641% | 4,870 |
| Total domestic deposits to total assets | 88.0146% | 1,623 |
| Equity capital to assets | 11.5463% | 2,129 |
| Core capital (leverage) ratio | 11.9489% | 1,634 |
| Tier 1 risk-based capital ratio | 17.1742% | 2,098 |
| Total risk-based capital ratio | 17.5318% | 2,370 |
| Memoranda: | ||
| Average total assets | $130,241,000 | 3,823 |
| Average earning assets | $113,841,000 | 3,932 |
| Average equity | $17,796,800 | 3,436 |
| Average total loans | $65,657,600 | 4,145 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 1,535 |
| Cost of funding earning assets | 0.4568% | 2,488 |
| Net interest margin | 4.0461% | 1,536 |
| Noninterest income to average assets | 0.6771% | 2,276 |
| Noninterest expense to average assets | 3.1484% | 1,906 |
| Loan and lease loss provision to assets | 0.0912% | 2,406 |
| Net operating income to assets | 0.9407% | 2,702 |
| Return on assets (ROA) | 0.9985% | 2,580 |
| Pretax return on assets | 1.0635% | 3,381 |
| Return on Equity (ROE) | 6.8891% | 3,619 |
| Retained earnings to average equity (ytd only) | -19.5898% | 5,915 |
| Net charge-offs to loans | 0.0089% | 3,620 |
| Credit loss provision to net charge-offs | 2,000.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 239.8931% | 327 |
| Efficiency ratio | 74.2274% | 2,241 |
| Assets per employee ($millions) | 3.5489% | 4,720 |
| Cash dividends to net income (ytd only)* | 384.3609% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5813% | 5,633 |
| Loan loss allowance to noncurrent loans | 27.2196% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 1.6574% | 1,040 |
| Noncurrent loans to loans | 2.1355% | 890 |
| Net loans and leases to total assets | 49.3505% | 4,871 |
| Net loans and leases to deposits | 56.4164% | 4,965 |
| Net loans and leases to core deposits | 62.7609% | 4,789 |
| Total domestic deposits to total assets | 87.4754% | 1,679 |
| Equity capital to assets | 11.8506% | 2,218 |
| Core capital (leverage) ratio | 11.7477% | 1,843 |
| Tier 1 risk-based capital ratio | 19.8037% | 1,485 |
| Total risk-based capital ratio | 20.2878% | 1,621 |
| Memoranda: | ||
| Average total assets | $116,968,250 | 4,074 |
| Average earning assets | $103,042,000 | 4,165 |
| Average equity | $16,954,000 | 3,586 |
| Average total loans | $60,174,250 | 4,319 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 1,660 |
| Cost of funding earning assets | 0.4568% | 2,501 |
| Net interest margin | 3.9972% | 1,654 |
| Noninterest income to average assets | 0.5475% | 2,912 |
| Noninterest expense to average assets | 3.2683% | 1,650 |
| Loan and lease loss provision to assets | 0.1033% | 2,119 |
| Net operating income to assets | 0.6313% | 4,138 |
| Return on assets (ROA) | 0.7024% | 3,926 |
| Pretax return on assets | 0.8202% | 4,217 |
| Return on Equity (ROE) | 4.3601% | 4,771 |
| Retained earnings to average equity (ytd only) | 3.5009% | 3,671 |
| Net charge-offs to loans | 0.0039% | 3,566 |
| Credit loss provision to net charge-offs | 5,000.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 407.0000% | 170 |
| Efficiency ratio | 79.5375% | 1,551 |
| Assets per employee ($millions) | 3.7606% | 4,340 |
| Cash dividends to net income (ytd only)* | 19.7059% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 4,729 |
| Loan loss allowance to noncurrent loans | 38.9246% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.5433% | 1,226 |
| Noncurrent loans to loans | 2.4588% | 725 |
| Net loans and leases to total assets | 51.3321% | 4,736 |
| Net loans and leases to deposits | 61.3690% | 4,704 |
| Net loans and leases to core deposits | 72.4650% | 4,132 |
| Total domestic deposits to total assets | 83.6451% | 3,400 |
| Equity capital to assets | 16.1892% | 514 |
| Core capital (leverage) ratio | 16.4300% | 413 |
| Tier 1 risk-based capital ratio | 27.1618% | 637 |
| Total risk-based capital ratio | 28.0026% | 651 |
| Memoranda: | ||
| Average total assets | $96,810,000 | 4,482 |
| Average earning assets | $86,259,670 | 4,536 |
| Average equity | $15,596,000 | 3,790 |
| Average total loans | $50,872,000 | 4,614 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 2,022 |
| Cost of funding earning assets | 0.4438% | 2,650 |
| Net interest margin | 3.8880% | 1,971 |
| Noninterest income to average assets | 0.5440% | 2,849 |
| Noninterest expense to average assets | 3.3677% | 1,448 |
| Loan and lease loss provision to assets | 0.0831% | 2,296 |
| Net operating income to assets | 0.4402% | 4,861 |
| Return on assets (ROA) | 0.5274% | 4,626 |
| Pretax return on assets | 0.7018% | 4,523 |
| Return on Equity (ROE) | 3.2818% | 5,129 |
| Retained earnings to average equity (ytd only) | 1.5504% | 4,649 |
| Net charge-offs to loans | 0.0078% | 2,855 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 373 |
| Efficiency ratio | 83.4362% | 1,209 |
| Assets per employee ($millions) | 3.6131% | 4,626 |
| Cash dividends to net income (ytd only)* | 52.7559% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 5,080 |
| Loan loss allowance to noncurrent loans | 49.5103% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.3604% | 1,558 |
| Noncurrent loans to loans | 1.8027% | 1,232 |
| Net loans and leases to total assets | 53.7833% | 4,471 |
| Net loans and leases to deposits | 64.5550% | 4,386 |
| Net loans and leases to core deposits | 77.5431% | 3,539 |
| Total domestic deposits to total assets | 83.3138% | 3,785 |
| Equity capital to assets | 16.5595% | 469 |
| Core capital (leverage) ratio | 16.2540% | 441 |
| Tier 1 risk-based capital ratio | 26.6127% | 694 |
| Total risk-based capital ratio | 27.3962% | 709 |
| Memoranda: | ||
| Average total assets | $96,327,500 | 4,527 |
| Average earning assets | $86,523,500 | 4,570 |
| Average equity | $15,479,500 | 3,816 |
| Average total loans | $50,970,500 | 4,645 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 2,009 |
| Cost of funding earning assets | 0.4386% | 2,751 |
| Net interest margin | 3.9273% | 1,939 |
| Noninterest income to average assets | 0.4345% | 3,792 |
| Noninterest expense to average assets | 3.2718% | 1,784 |
| Loan and lease loss provision to assets | 0.0427% | 3,478 |
| Net operating income to assets | 0.4750% | 4,794 |
| Return on assets (ROA) | 0.4750% | 4,872 |
| Pretax return on assets | 0.6661% | 4,630 |
| Return on Equity (ROE) | 2.9313% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.4900% | 4,298 |
| Net charge-offs to loans | 0.1115% | 2,261 |
| Credit loss provision to net charge-offs | 71.4286% | 3,096 |
| Earnings coverage of net charge-offs (x) | 11.8571% | 2,520 |
| Efficiency ratio | 82.1936% | 1,387 |
| Assets per employee ($millions) | 3.7967% | 4,298 |
| Cash dividends to net income (ytd only)* | 15.0562% | 3,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 5,250 |
| Loan loss allowance to noncurrent loans | 43.8632% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.3098% | 1,623 |
| Noncurrent loans to loans | 1.9505% | 1,086 |
| Net loans and leases to total assets | 51.1837% | 4,757 |
| Net loans and leases to deposits | 60.7758% | 4,716 |
| Net loans and leases to core deposits | 72.0534% | 4,130 |
| Total domestic deposits to total assets | 84.2172% | 3,394 |
| Equity capital to assets | 15.6035% | 581 |
| Core capital (leverage) ratio | 16.2860% | 433 |
| Tier 1 risk-based capital ratio | 26.8472% | 684 |
| Total risk-based capital ratio | 27.6076% | 696 |
| Memoranda: | ||
| Average total assets | $93,680,600 | 4,588 |
| Average earning assets | $84,587,000 | 4,620 |
| Average equity | $15,180,800 | 3,810 |
| Average total loans | $50,235,800 | 4,661 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 2,047 |
| Cost of funding earning assets | 0.4421% | 2,770 |
| Net interest margin | 3.9187% | 1,970 |
| Noninterest income to average assets | 0.3909% | 4,147 |
| Noninterest expense to average assets | 3.2329% | 1,877 |
| Loan and lease loss provision to assets | 0.0361% | 3,494 |
| Net operating income to assets | 0.4198% | 5,086 |
| Return on assets (ROA) | 0.4198% | 5,174 |
| Pretax return on assets | 0.6766% | 4,758 |
| Return on Equity (ROE) | 2.5652% | 5,531 |
| Retained earnings to average equity (ytd only) | 1.9746% | 4,888 |
| Net charge-offs to loans | 0.1252% | 1,876 |
| Credit loss provision to net charge-offs | 53.1915% | 3,000 |
| Earnings coverage of net charge-offs (x) | 10.5098% | 2,591 |
| Efficiency ratio | 81.9378% | 1,406 |
| Assets per employee ($millions) | 3.5901% | 4,626 |
| Cash dividends to net income (ytd only)* | 23.0238% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 5,328 |
| Loan loss allowance to noncurrent loans | 37.6862% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 1.6936% | 1,276 |
| Noncurrent loans to loans | 2.2805% | 942 |
| Net loans and leases to total assets | 55.2667% | 4,429 |
| Net loans and leases to deposits | 66.8126% | 4,296 |
| Net loans and leases to core deposits | 80.9752% | 3,343 |
| Total domestic deposits to total assets | 82.7190% | 3,911 |
| Equity capital to assets | 17.0626% | 427 |
| Core capital (leverage) ratio | 16.7769% | 398 |
| Tier 1 risk-based capital ratio | 27.9049% | 628 |
| Total risk-based capital ratio | 28.6923% | 640 |
| Memoranda: | ||
| Average total assets | $92,422,000 | 4,669 |
| Average earning assets | $83,835,250 | 4,694 |
| Average equity | $15,125,250 | 3,853 |
| Average total loans | $50,054,250 | 4,713 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 2,306 |
| Cost of funding earning assets | 0.4345% | 2,903 |
| Net interest margin | 3.8298% | 2,204 |
| Noninterest income to average assets | 0.2894% | 4,894 |
| Noninterest expense to average assets | 3.1786% | 2,036 |
| Loan and lease loss provision to assets | 0.0536% | 3,048 |
| Net operating income to assets | 0.2551% | 5,568 |
| Return on assets (ROA) | 0.2551% | 5,650 |
| Pretax return on assets | 0.5337% | 5,139 |
| Return on Equity (ROE) | 1.5801% | 5,783 |
| Retained earnings to average equity (ytd only) | 0.6905% | 5,285 |
| Net charge-offs to loans | 0.1758% | 1,406 |
| Credit loss provision to net charge-offs | 56.8182% | 2,625 |
| Earnings coverage of net charge-offs (x) | 6.2273% | 2,810 |
| Efficiency ratio | 84.4052% | 1,218 |
| Assets per employee ($millions) | 3.5907% | 4,637 |
| Cash dividends to net income (ytd only)* | 56.3025% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 5,348 |
| Loan loss allowance to noncurrent loans | 44.7777% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.7524% | 1,340 |
| Noncurrent loans to loans | 1.9814% | 1,238 |
| Net loans and leases to total assets | 51.8140% | 4,772 |
| Net loans and leases to deposits | 61.9003% | 4,711 |
| Net loans and leases to core deposits | 73.8098% | 3,968 |
| Total domestic deposits to total assets | 83.7056% | 3,688 |
| Equity capital to assets | 16.1273% | 514 |
| Core capital (leverage) ratio | 16.2945% | 430 |
| Tier 1 risk-based capital ratio | 27.7179% | 661 |
| Total risk-based capital ratio | 28.5144% | 674 |
| Memoranda: | ||
| Average total assets | $93,312,000 | 4,696 |
| Average earning assets | $84,703,670 | 4,718 |
| Average equity | $15,062,330 | 3,877 |
| Average total loans | $50,061,330 | 4,747 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 2,551 |
| Cost of funding earning assets | 0.4259% | 3,006 |
| Net interest margin | 3.7489% | 2,437 |
| Noninterest income to average assets | 0.4974% | 3,303 |
| Noninterest expense to average assets | 3.2201% | 1,927 |
| Loan and lease loss provision to assets | 0.1072% | 1,919 |
| Net operating income to assets | 0.3645% | 5,208 |
| Return on assets (ROA) | 0.3645% | 5,325 |
| Pretax return on assets | 0.6046% | 4,905 |
| Return on Equity (ROE) | 2.2568% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.2568% | 4,553 |
| Net charge-offs to loans | 0.2683% | 891 |
| Credit loss provision to net charge-offs | 73.5294% | 1,886 |
| Earnings coverage of net charge-offs (x) | 4.8824% | 2,438 |
| Efficiency ratio | 81.8975% | 1,634 |
| Assets per employee ($millions) | 3.6624% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 5,513 |
| Loan loss allowance to noncurrent loans | 19.3788% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 3.4622% | 483 |
| Noncurrent loans to loans | 4.5066% | 348 |
| Net loans and leases to total assets | 54.9187% | 4,328 |
| Net loans and leases to deposits | 65.9017% | 4,158 |
| Net loans and leases to core deposits | 79.0563% | 3,277 |
| Total domestic deposits to total assets | 83.3342% | 4,068 |
| Equity capital to assets | 16.5576% | 481 |
| Core capital (leverage) ratio | 16.4510% | 419 |
| Tier 1 risk-based capital ratio | 27.6730% | 669 |
| Total risk-based capital ratio | 28.6625% | 665 |
| Memoranda: | ||
| Average total assets | $93,289,500 | 4,744 |
| Average earning assets | $85,465,500 | 4,732 |
| Average equity | $15,065,500 | 3,900 |
| Average total loans | $50,689,500 | 4,765 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1027% | 3,319 |
| Cost of funding earning assets | 0.4478% | 3,190 |
| Net interest margin | 3.6549% | 3,199 |
| Noninterest income to average assets | 0.4180% | 4,050 |
| Noninterest expense to average assets | 3.0817% | 2,589 |
| Loan and lease loss provision to assets | 0.0384% | 3,810 |
| Net operating income to assets | 0.4727% | 4,912 |
| Return on assets (ROA) | 0.4750% | 4,999 |
| Pretax return on assets | 0.6681% | 4,732 |
| Return on Equity (ROE) | 2.9576% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.9576% | 4,143 |
| Net charge-offs to loans | 0.0376% | 4,081 |
| Credit loss provision to net charge-offs | 194.4444% | 1,270 |
| Earnings coverage of net charge-offs (x) | 35.6111% | 1,185 |
| Efficiency ratio | 81.4203% | 1,722 |
| Assets per employee ($millions) | 3.8008% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 5,498 |
| Loan loss allowance to noncurrent loans | 38.0471% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 2.2016% | 1,108 |
| Noncurrent loans to loans | 2.3454% | 1,109 |
| Net loans and leases to total assets | 52.8320% | 4,711 |
| Net loans and leases to deposits | 62.8628% | 4,652 |
| Net loans and leases to core deposits | 74.6394% | 3,856 |
| Total domestic deposits to total assets | 84.0434% | 3,703 |
| Equity capital to assets | 15.7556% | 568 |
| Core capital (leverage) ratio | 16.1026% | 457 |
| Tier 1 risk-based capital ratio | 26.6798% | 709 |
| Total risk-based capital ratio | 27.4829% | 726 |
| Memoranda: | ||
| Average total assets | $91,151,200 | 4,811 |
| Average earning assets | $83,969,000 | 4,791 |
| Average equity | $14,640,200 | 3,909 |
| Average total loans | $47,918,000 | 4,883 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 3,523 |
| Cost of funding earning assets | 0.4524% | 3,219 |
| Net interest margin | 3.6078% | 3,396 |
| Noninterest income to average assets | 0.3755% | 4,428 |
| Noninterest expense to average assets | 3.0352% | 2,691 |
| Loan and lease loss provision to assets | 0.0148% | 4,119 |
| Net operating income to assets | 0.5228% | 4,787 |
| Return on assets (ROA) | 0.5263% | 4,843 |
| Pretax return on assets | 0.6549% | 4,860 |
| Return on Equity (ROE) | 3.2605% | 5,445 |
| Retained earnings to average equity (ytd only) | 3.2605% | 4,305 |
| Net charge-offs to loans | 0.0593% | 3,362 |
| Credit loss provision to net charge-offs | 47.6190% | 3,145 |
| Earnings coverage of net charge-offs (x) | 21.4282% | 1,680 |
| Efficiency ratio | 82.0216% | 1,622 |
| Assets per employee ($millions) | 3.5462% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 5,695 |
| Loan loss allowance to noncurrent loans | 34.4715% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 2.4488% | 1,093 |
| Noncurrent loans to loans | 2.5178% | 1,162 |
| Net loans and leases to total assets | 54.6246% | 4,502 |
| Net loans and leases to deposits | 65.8266% | 4,348 |
| Net loans and leases to core deposits | 80.6394% | 3,232 |
| Total domestic deposits to total assets | 82.9825% | 4,158 |
| Equity capital to assets | 16.7546% | 463 |
| Core capital (leverage) ratio | 16.6022% | 410 |
| Tier 1 risk-based capital ratio | 27.6211% | 668 |
| Total risk-based capital ratio | 28.4050% | 683 |
| Memoranda: | ||
| Average total assets | $90,184,000 | 4,884 |
| Average earning assets | $83,114,750 | 4,864 |
| Average equity | $14,557,500 | 3,940 |
| Average total loans | $47,234,250 | 4,962 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9709% | 3,848 |
| Cost of funding earning assets | 0.4567% | 3,245 |
| Net interest margin | 3.5142% | 3,724 |
| Noninterest income to average assets | 0.2580% | 5,351 |
| Noninterest expense to average assets | 2.9859% | 2,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3699% | 5,326 |
| Return on assets (ROA) | 0.3749% | 5,379 |
| Pretax return on assets | 0.5028% | 5,268 |
| Return on Equity (ROE) | 2.3515% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.3515% | 4,708 |
| Net charge-offs to loans | 0.0942% | 2,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.2273% | 2,271 |
| Efficiency ratio | 85.7505% | 1,294 |
| Assets per employee ($millions) | 3.6070% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 5,748 |
| Loan loss allowance to noncurrent loans | 24.0676% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 2.9277% | 882 |
| Noncurrent loans to loans | 3.6929% | 688 |
| Net loans and leases to total assets | 51.0724% | 4,852 |
| Net loans and leases to deposits | 61.1128% | 4,774 |
| Net loans and leases to core deposits | 73.7986% | 3,859 |
| Total domestic deposits to total assets | 83.5707% | 4,083 |
| Equity capital to assets | 16.2308% | 509 |
| Core capital (leverage) ratio | 16.2150% | 447 |
| Tier 1 risk-based capital ratio | 27.9813% | 645 |
| Total risk-based capital ratio | 28.7646% | 658 |
| Memoranda: | ||
| Average total assets | $90,693,330 | 4,914 |
| Average earning assets | $83,205,670 | 4,894 |
| Average equity | $14,458,670 | 3,957 |
| Average total loans | $46,695,000 | 5,014 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8594% | 4,249 |
| Cost of funding earning assets | 0.4490% | 3,439 |
| Net interest margin | 3.4104% | 4,074 |
| Noninterest income to average assets | -0.0440% | 6,648 |
| Noninterest expense to average assets | 2.8586% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0568% | 6,253 |
| Return on assets (ROA) | -0.0484% | 6,255 |
| Pretax return on assets | 0.2507% | 5,822 |
| Return on Equity (ROE) | -0.3062% | 6,245 |
| Retained earnings to average equity (ytd only) | -0.3062% | 5,611 |
| Net charge-offs to loans | 0.0684% | 2,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,193 |
| Efficiency ratio | 92.3295% | 861 |
| Assets per employee ($millions) | 3.6144% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 5,841 |
| Loan loss allowance to noncurrent loans | 25.3563% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 2.5078% | 1,268 |
| Noncurrent loans to loans | 3.5882% | 797 |
| Net loans and leases to total assets | 51.4669% | 4,728 |
| Net loans and leases to deposits | 61.3846% | 4,616 |
| Net loans and leases to core deposits | 74.0302% | 3,642 |
| Total domestic deposits to total assets | 83.8433% | 4,327 |
| Equity capital to assets | 15.9198% | 539 |
| Core capital (leverage) ratio | 16.2377% | 452 |
| Tier 1 risk-based capital ratio | 23.9047% | 1,013 |
| Total risk-based capital ratio | 24.6051% | 1,076 |
| Memoranda: | ||
| Average total assets | $90,953,000 | 4,939 |
| Average earning assets | $83,743,000 | 4,924 |
| Average equity | $14,370,000 | 3,979 |
| Average total loans | $46,809,000 | 5,054 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3366% | 2,819 |
| Cost of funding earning assets | 0.4885% | 3,729 |
| Net interest margin | 3.8481% | 2,474 |
| Noninterest income to average assets | 0.3580% | 4,739 |
| Noninterest expense to average assets | 2.9163% | 3,323 |
| Loan and lease loss provision to assets | 0.1213% | 2,798 |
| Net operating income to assets | 0.5671% | 4,424 |
| Return on assets (ROA) | 0.5671% | 4,533 |
| Pretax return on assets | 0.8593% | 3,919 |
| Return on Equity (ROE) | 3.4223% | 5,356 |
| Retained earnings to average equity (ytd only) | 3.4223% | 3,795 |
| Net charge-offs to loans | 0.2213% | 2,694 |
| Credit loss provision to net charge-offs | 95.4545% | 2,620 |
| Earnings coverage of net charge-offs (x) | 7.7182% | 2,793 |
| Efficiency ratio | 74.8370% | 2,979 |
| Assets per employee ($millions) | 3.5210% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 5,816 |
| Loan loss allowance to noncurrent loans | 20.9135% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 3.1885% | 964 |
| Noncurrent loans to loans | 4.4553% | 600 |
| Net loans and leases to total assets | 50.5216% | 5,028 |
| Net loans and leases to deposits | 60.0748% | 4,931 |
| Net loans and leases to core deposits | 72.3882% | 4,019 |
| Total domestic deposits to total assets | 84.0978% | 4,125 |
| Equity capital to assets | 15.6805% | 576 |
| Core capital (leverage) ratio | 16.2516% | 445 |
| Tier 1 risk-based capital ratio | 23.9145% | 964 |
| Total risk-based capital ratio | 24.6278% | 1,016 |
| Memoranda: | ||
| Average total assets | $86,581,000 | 5,063 |
| Average earning assets | $79,624,600 | 5,045 |
| Average equity | $14,347,000 | 3,996 |
| Average total loans | $49,704,600 | 4,970 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 2,430 |
| Cost of funding earning assets | 0.4920% | 3,850 |
| Net interest margin | 3.9566% | 2,089 |
| Noninterest income to average assets | 0.4921% | 3,867 |
| Noninterest expense to average assets | 2.8497% | 3,489 |
| Loan and lease loss provision to assets | 0.1406% | 2,532 |
| Net operating income to assets | 0.7968% | 3,362 |
| Return on assets (ROA) | 0.7968% | 3,495 |
| Pretax return on assets | 1.1452% | 2,921 |
| Return on Equity (ROE) | 4.7402% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.7402% | 3,278 |
| Net charge-offs to loans | -0.0529% | 6,335 |
| Credit loss provision to net charge-offs | -450.0000% | 6,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9082% | 3,932 |
| Assets per employee ($millions) | 3.3576% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 5,366 |
| Loan loss allowance to noncurrent loans | 21.9561% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 4.1077% | 753 |
| Noncurrent loans to loans | 4.9635% | 608 |
| Net loans and leases to total assets | 59.4687% | 3,783 |
| Net loans and leases to deposits | 72.0265% | 3,514 |
| Net loans and leases to core deposits | 89.6773% | 2,005 |
| Total domestic deposits to total assets | 82.5649% | 4,731 |
| Equity capital to assets | 17.1658% | 396 |
| Core capital (leverage) ratio | 17.2574% | 365 |
| Tier 1 risk-based capital ratio | 23.3058% | 1,094 |
| Total risk-based capital ratio | 24.1836% | 1,140 |
| Memoranda: | ||
| Average total assets | $85,339,500 | 5,150 |
| Average earning assets | $78,583,500 | 5,116 |
| Average equity | $14,345,000 | 4,050 |
| Average total loans | $50,459,250 | 4,984 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 2,470 |
| Cost of funding earning assets | 0.4886% | 4,005 |
| Net interest margin | 3.9366% | 2,088 |
| Noninterest income to average assets | 0.7645% | 2,354 |
| Noninterest expense to average assets | 2.8366% | 3,559 |
| Loan and lease loss provision to assets | 0.2098% | 1,805 |
| Net operating income to assets | 1.0675% | 2,046 |
| Return on assets (ROA) | 1.0675% | 2,163 |
| Pretax return on assets | 1.3426% | 2,149 |
| Return on Equity (ROE) | 6.3950% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.3950% | 2,207 |
| Net charge-offs to loans | -0.0753% | 6,410 |
| Credit loss provision to net charge-offs | -473.6842% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6309% | 4,770 |
| Assets per employee ($millions) | 3.3516% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 5,512 |
| Loan loss allowance to noncurrent loans | 21.9864% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 4.2976% | 778 |
| Noncurrent loans to loans | 4.9226% | 668 |
| Net loans and leases to total assets | 59.8830% | 3,676 |
| Net loans and leases to deposits | 72.5496% | 3,370 |
| Net loans and leases to core deposits | 89.8857% | 1,917 |
| Total domestic deposits to total assets | 82.5409% | 4,871 |
| Equity capital to assets | 17.2610% | 396 |
| Core capital (leverage) ratio | 16.9399% | 376 |
| Tier 1 risk-based capital ratio | 26.7128% | 717 |
| Total risk-based capital ratio | 27.7207% | 718 |
| Memoranda: | ||
| Average total assets | $85,806,000 | 5,164 |
| Average earning assets | $79,002,000 | 5,140 |
| Average equity | $14,323,670 | 4,089 |
| Average total loans | $50,456,330 | 5,005 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 2,999 |
| Cost of funding earning assets | 0.4713% | 4,357 |
| Net interest margin | 3.8056% | 2,428 |
| Noninterest income to average assets | 0.5207% | 3,627 |
| Noninterest expense to average assets | 2.8982% | 3,350 |
| Loan and lease loss provision to assets | 0.2995% | 1,162 |
| Net operating income to assets | 0.4976% | 4,680 |
| Return on assets (ROA) | 0.4976% | 4,835 |
| Pretax return on assets | 0.8201% | 4,086 |
| Return on Equity (ROE) | 3.0307% | 5,579 |
| Retained earnings to average equity (ytd only) | 3.0307% | 4,464 |
| Net charge-offs to loans | 0.0318% | 3,584 |
| Credit loss provision to net charge-offs | 1,625.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 60.7500% | 589 |
| Efficiency ratio | 72.1330% | 3,591 |
| Assets per employee ($millions) | 3.1568% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 6,022 |
| Loan loss allowance to noncurrent loans | 18.8559% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 3.9386% | 1,026 |
| Noncurrent loans to loans | 5.2409% | 720 |
| Net loans and leases to total assets | 58.8920% | 3,628 |
| Net loans and leases to deposits | 70.9795% | 3,328 |
| Net loans and leases to core deposits | 87.5364% | 1,951 |
| Total domestic deposits to total assets | 82.9704% | 4,862 |
| Equity capital to assets | 16.7820% | 451 |
| Core capital (leverage) ratio | 16.4006% | 413 |
| Tier 1 risk-based capital ratio | 22.8388% | 1,185 |
| Total risk-based capital ratio | 23.6446% | 1,242 |
| Memoranda: | ||
| Average total assets | $86,814,000 | 5,175 |
| Average earning assets | $79,776,500 | 5,163 |
| Average equity | $14,254,000 | 4,148 |
| Average total loans | $50,322,000 | 5,046 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 3,995 |
| Cost of funding earning assets | 0.4929% | 5,272 |
| Net interest margin | 3.8655% | 2,968 |
| Noninterest income to average assets | 0.6185% | 3,175 |
| Noninterest expense to average assets | 3.0776% | 2,993 |
| Loan and lease loss provision to assets | 0.1466% | 3,771 |
| Net operating income to assets | 0.6280% | 4,098 |
| Return on assets (ROA) | 0.6403% | 4,294 |
| Pretax return on assets | 0.9610% | 3,700 |
| Return on Equity (ROE) | 4.0153% | 5,133 |
| Retained earnings to average equity (ytd only) | 4.0153% | 3,384 |
| Net charge-offs to loans | 0.1272% | 4,412 |
| Credit loss provision to net charge-offs | 203.1746% | 1,265 |
| Earnings coverage of net charge-offs (x) | 15.0952% | 1,680 |
| Efficiency ratio | 73.8593% | 3,091 |
| Assets per employee ($millions) | 3.2739% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 6,308 |
| Loan loss allowance to noncurrent loans | 20.9824% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 3.1880% | 1,458 |
| Noncurrent loans to loans | 4.1985% | 1,080 |
| Net loans and leases to total assets | 56.0072% | 4,289 |
| Net loans and leases to deposits | 66.9095% | 4,144 |
| Net loans and leases to core deposits | 79.5127% | 3,076 |
| Total domestic deposits to total assets | 83.7059% | 4,443 |
| Equity capital to assets | 16.0690% | 547 |
| Core capital (leverage) ratio | 16.6262% | 389 |
| Tier 1 risk-based capital ratio | 22.6394% | 1,163 |
| Total risk-based capital ratio | 23.3462% | 1,217 |
| Memoranda: | ||
| Average total assets | $87,308,400 | 5,156 |
| Average earning assets | $80,145,200 | 5,120 |
| Average equity | $13,921,600 | 4,174 |
| Average total loans | $49,513,000 | 5,128 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 4,288 |
| Cost of funding earning assets | 0.5013% | 5,425 |
| Net interest margin | 3.8407% | 3,157 |
| Noninterest income to average assets | 0.6403% | 3,042 |
| Noninterest expense to average assets | 3.0729% | 2,968 |
| Loan and lease loss provision to assets | 0.1961% | 3,129 |
| Net operating income to assets | 0.6556% | 4,113 |
| Return on assets (ROA) | 0.6679% | 4,320 |
| Pretax return on assets | 0.9207% | 4,029 |
| Return on Equity (ROE) | 4.1970% | 5,201 |
| Retained earnings to average equity (ytd only) | 4.1970% | 3,939 |
| Net charge-offs to loans | 0.2591% | 3,173 |
| Credit loss provision to net charge-offs | 133.3333% | 2,164 |
| Earnings coverage of net charge-offs (x) | 7.4790% | 2,598 |
| Efficiency ratio | 73.6417% | 3,042 |
| Assets per employee ($millions) | 3.0950% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 6,598 |
| Loan loss allowance to noncurrent loans | 18.6185% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 3.6918% | 1,337 |
| Noncurrent loans to loans | 4.3069% | 1,131 |
| Net loans and leases to total assets | 60.2520% | 3,726 |
| Net loans and leases to deposits | 72.6862% | 3,501 |
| Net loans and leases to core deposits | 88.9401% | 2,111 |
| Total domestic deposits to total assets | 82.8934% | 4,680 |
| Equity capital to assets | 16.8577% | 482 |
| Core capital (leverage) ratio | 16.5206% | 424 |
| Tier 1 risk-based capital ratio | 22.4952% | 1,250 |
| Total risk-based capital ratio | 23.1506% | 1,323 |
| Memoranda: | ||
| Average total assets | $87,037,000 | 5,210 |
| Average earning assets | $80,052,500 | 5,179 |
| Average equity | $13,851,000 | 4,225 |
| Average total loans | $49,404,500 | 5,190 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 4,577 |
| Cost of funding earning assets | 0.5104% | 5,553 |
| Net interest margin | 3.7896% | 3,413 |
| Noninterest income to average assets | 0.6395% | 3,008 |
| Noninterest expense to average assets | 2.9979% | 3,261 |
| Loan and lease loss provision to assets | 0.2608% | 2,491 |
| Net operating income to assets | 0.6926% | 3,906 |
| Return on assets (ROA) | 0.7053% | 4,103 |
| Pretax return on assets | 0.8821% | 4,150 |
| Return on Equity (ROE) | 4.5163% | 5,029 |
| Retained earnings to average equity (ytd only) | 4.5163% | 3,597 |
| Net charge-offs to loans | 0.1471% | 3,733 |
| Credit loss provision to net charge-offs | 319.4444% | 926 |
| Earnings coverage of net charge-offs (x) | 13.8056% | 1,758 |
| Efficiency ratio | 72.6773% | 3,305 |
| Assets per employee ($millions) | 3.1766% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 6,382 |
| Loan loss allowance to noncurrent loans | 20.5802% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 3.3917% | 1,581 |
| Noncurrent loans to loans | 4.5231% | 1,168 |
| Net loans and leases to total assets | 56.3350% | 4,415 |
| Net loans and leases to deposits | 67.4305% | 4,295 |
| Net loans and leases to core deposits | 82.2742% | 2,928 |
| Total domestic deposits to total assets | 83.5453% | 4,510 |
| Equity capital to assets | 16.2751% | 538 |
| Core capital (leverage) ratio | 16.0631% | 451 |
| Tier 1 risk-based capital ratio | 22.7510% | 1,165 |
| Total risk-based capital ratio | 23.4971% | 1,225 |
| Memoranda: | ||
| Average total assets | $88,194,670 | 5,219 |
| Average earning assets | $81,116,330 | 5,174 |
| Average equity | $13,772,330 | 4,239 |
| Average total loans | $48,954,000 | 5,236 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3237% | 4,642 |
| Cost of funding earning assets | 0.5270% | 5,623 |
| Net interest margin | 3.7967% | 3,405 |
| Noninterest income to average assets | 0.6442% | 2,966 |
| Noninterest expense to average assets | 3.0020% | 3,240 |
| Loan and lease loss provision to assets | 0.3355% | 1,866 |
| Net operating income to assets | 0.6673% | 4,041 |
| Return on assets (ROA) | 0.6711% | 4,241 |
| Pretax return on assets | 0.7919% | 4,444 |
| Return on Equity (ROE) | 4.3863% | 5,103 |
| Retained earnings to average equity (ytd only) | 4.3863% | 3,964 |
| Net charge-offs to loans | 0.0652% | 3,838 |
| Credit loss provision to net charge-offs | 937.5000% | 373 |
| Earnings coverage of net charge-offs (x) | 31.3750% | 888 |
| Efficiency ratio | 72.7766% | 3,293 |
| Assets per employee ($millions) | 3.1827% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 6,519 |
| Loan loss allowance to noncurrent loans | 19.9819% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 3.4980% | 1,646 |
| Noncurrent loans to loans | 4.5318% | 1,279 |
| Net loans and leases to total assets | 56.2862% | 4,332 |
| Net loans and leases to deposits | 67.1437% | 4,206 |
| Net loans and leases to core deposits | 82.2686% | 2,792 |
| Total domestic deposits to total assets | 83.8295% | 4,572 |
| Equity capital to assets | 15.9797% | 579 |
| Core capital (leverage) ratio | 15.3760% | 549 |
| Tier 1 risk-based capital ratio | 22.5266% | 1,201 |
| Total risk-based capital ratio | 23.2542% | 1,256 |
| Memoranda: | ||
| Average total assets | $89,407,500 | 5,229 |
| Average earning assets | $81,966,500 | 5,192 |
| Average equity | $13,679,000 | 4,262 |
| Average total loans | $49,045,000 | 5,264 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2112% | 6,024 |
| Cost of funding earning assets | 0.6509% | 5,819 |
| Net interest margin | 3.5603% | 4,891 |
| Noninterest income to average assets | 0.4072% | 4,562 |
| Noninterest expense to average assets | 3.2216% | 2,790 |
| Loan and lease loss provision to assets | 0.2885% | 3,359 |
| Net operating income to assets | 0.1194% | 5,822 |
| Return on assets (ROA) | 0.1851% | 5,767 |
| Pretax return on assets | 0.2765% | 5,620 |
| Return on Equity (ROE) | 1.2655% | 5,899 |
| Retained earnings to average equity (ytd only) | 1.2655% | 5,262 |
| Net charge-offs to loans | 0.7842% | 2,196 |
| Credit loss provision to net charge-offs | 64.7922% | 5,038 |
| Earnings coverage of net charge-offs (x) | 1.0489% | 5,003 |
| Efficiency ratio | 87.3377% | 1,411 |
| Assets per employee ($millions) | 3.4400% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7610% | 6,818 |
| Loan loss allowance to noncurrent loans | 17.0222% | 6,697 |
| Noncurrent assets plus other real estate owned to assets | 3.3128% | 1,794 |
| Noncurrent loans to loans | 4.4705% | 1,336 |
| Net loans and leases to total assets | 52.6523% | 5,210 |
| Net loans and leases to deposits | 61.8459% | 5,266 |
| Net loans and leases to core deposits | 75.5262% | 4,043 |
| Total domestic deposits to total assets | 85.1347% | 3,768 |
| Equity capital to assets | 14.6704% | 853 |
| Core capital (leverage) ratio | 14.9211% | 614 |
| Tier 1 risk-based capital ratio | 21.6468% | 1,292 |
| Total risk-based capital ratio | 22.2466% | 1,390 |
| Memoranda: | ||
| Average total assets | $91,848,000 | 5,137 |
| Average earning assets | $84,656,000 | 5,100 |
| Average equity | $13,433,200 | 4,252 |
| Average total loans | $52,152,000 | 5,184 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2776% | 6,012 |
| Cost of funding earning assets | 0.6896% | 5,829 |
| Net interest margin | 3.5881% | 4,820 |
| Noninterest income to average assets | 0.3494% | 5,061 |
| Noninterest expense to average assets | 3.2667% | 2,611 |
| Loan and lease loss provision to assets | 0.3348% | 2,871 |
| Net operating income to assets | -0.0551% | 6,227 |
| Return on assets (ROA) | -0.0029% | 6,261 |
| Pretax return on assets | 0.1470% | 6,008 |
| Return on Equity (ROE) | -0.0199% | 6,260 |
| Retained earnings to average equity (ytd only) | -0.0199% | 5,959 |
| Net charge-offs to loans | 0.9053% | 1,766 |
| Credit loss provision to net charge-offs | 64.0669% | 4,669 |
| Earnings coverage of net charge-offs (x) | 0.7660% | 5,040 |
| Efficiency ratio | 89.0830% | 1,237 |
| Assets per employee ($millions) | 3.3212% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 6,850 |
| Loan loss allowance to noncurrent loans | 11.8182% | 6,871 |
| Noncurrent assets plus other real estate owned to assets | 4.9023% | 1,180 |
| Noncurrent loans to loans | 6.6134% | 792 |
| Net loans and leases to total assets | 55.2106% | 4,971 |
| Net loans and leases to deposits | 65.2129% | 5,026 |
| Net loans and leases to core deposits | 81.7439% | 3,363 |
| Total domestic deposits to total assets | 84.6620% | 3,936 |
| Equity capital to assets | 15.0335% | 844 |
| Core capital (leverage) ratio | 14.5290% | 762 |
| Tier 1 risk-based capital ratio | 21.3325% | 1,396 |
| Total risk-based capital ratio | 21.9548% | 1,490 |
| Memoranda: | ||
| Average total assets | $91,589,750 | 5,177 |
| Average earning assets | $84,686,250 | 5,137 |
| Average equity | $13,385,000 | 4,273 |
| Average total loans | $52,870,250 | 5,204 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 6,005 |
| Cost of funding earning assets | 0.7120% | 5,891 |
| Net interest margin | 3.5948% | 4,742 |
| Noninterest income to average assets | 0.3621% | 4,981 |
| Noninterest expense to average assets | 3.2441% | 2,747 |
| Loan and lease loss provision to assets | 0.1952% | 3,979 |
| Net operating income to assets | 0.0716% | 6,078 |
| Return on assets (ROA) | 0.0911% | 6,116 |
| Pretax return on assets | 0.2928% | 5,686 |
| Return on Equity (ROE) | 0.6291% | 6,164 |
| Retained earnings to average equity (ytd only) | 0.6291% | 5,607 |
| Net charge-offs to loans | 0.7241% | 2,060 |
| Credit loss provision to net charge-offs | 46.1538% | 4,675 |
| Earnings coverage of net charge-offs (x) | 1.0821% | 4,476 |
| Efficiency ratio | 87.6391% | 1,454 |
| Assets per employee ($millions) | 3.4356% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7883% | 6,891 |
| Loan loss allowance to noncurrent loans | 14.0291% | 6,883 |
| Noncurrent assets plus other real estate owned to assets | 3.8982% | 1,659 |
| Noncurrent loans to loans | 5.6187% | 1,110 |
| Net loans and leases to total assets | 56.1734% | 4,967 |
| Net loans and leases to deposits | 65.9566% | 5,005 |
| Net loans and leases to core deposits | 85.0046% | 3,073 |
| Total domestic deposits to total assets | 85.1673% | 3,805 |
| Equity capital to assets | 14.5438% | 927 |
| Core capital (leverage) ratio | 14.4794% | 764 |
| Tier 1 risk-based capital ratio | 20.5570% | 1,505 |
| Total risk-based capital ratio | 21.1919% | 1,596 |
| Memoranda: | ||
| Average total assets | $92,228,670 | 5,201 |
| Average earning assets | $85,678,670 | 5,131 |
| Average equity | $13,353,000 | 4,268 |
| Average total loans | $53,860,670 | 5,220 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 5,390 |
| Cost of funding earning assets | 0.7459% | 5,893 |
| Net interest margin | 3.7388% | 3,895 |
| Noninterest income to average assets | 0.2262% | 6,109 |
| Noninterest expense to average assets | 3.3448% | 2,420 |
| Loan and lease loss provision to assets | 0.3045% | 2,732 |
| Net operating income to assets | -0.1783% | 6,538 |
| Return on assets (ROA) | -0.1783% | 6,557 |
| Pretax return on assets | 0.0435% | 6,276 |
| Return on Equity (ROE) | -1.2346% | 6,515 |
| Retained earnings to average equity (ytd only) | -1.2346% | 6,032 |
| Net charge-offs to loans | -0.0147% | 6,471 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5771% | 1,280 |
| Assets per employee ($millions) | 3.3106% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 5,986 |
| Loan loss allowance to noncurrent loans | 17.3365% | 6,861 |
| Noncurrent assets plus other real estate owned to assets | 4.6574% | 1,378 |
| Noncurrent loans to loans | 6.4394% | 940 |
| Net loans and leases to total assets | 58.5658% | 4,536 |
| Net loans and leases to deposits | 68.9774% | 4,532 |
| Net loans and leases to core deposits | 89.4350% | 2,420 |
| Total domestic deposits to total assets | 84.9057% | 4,080 |
| Equity capital to assets | 14.8582% | 795 |
| Core capital (leverage) ratio | 14.2895% | 780 |
| Tier 1 risk-based capital ratio | 20.4479% | 1,491 |
| Total risk-based capital ratio | 21.3550% | 1,530 |
| Memoranda: | ||
| Average total assets | $91,962,500 | 5,239 |
| Average earning assets | $85,268,000 | 5,179 |
| Average equity | $13,284,000 | 4,274 |
| Average total loans | $54,530,500 | 5,232 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 5,545 |
| Cost of funding earning assets | 0.8695% | 6,298 |
| Net interest margin | 3.8981% | 3,499 |
| Noninterest income to average assets | 0.4458% | 4,551 |
| Noninterest expense to average assets | 3.4182% | 2,388 |
| Loan and lease loss provision to assets | 0.1950% | 5,283 |
| Net operating income to assets | 0.2863% | 4,975 |
| Return on assets (ROA) | 0.3277% | 4,994 |
| Pretax return on assets | 0.4692% | 4,726 |
| Return on Equity (ROE) | 2.1991% | 5,309 |
| Retained earnings to average equity (ytd only) | 2.1991% | 4,350 |
| Net charge-offs to loans | 0.3412% | 4,306 |
| Credit loss provision to net charge-offs | 90.6736% | 5,103 |
| Earnings coverage of net charge-offs (x) | 2.8135% | 3,671 |
| Efficiency ratio | 84.9584% | 1,805 |
| Assets per employee ($millions) | 3.5015% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 6,648 |
| Loan loss allowance to noncurrent loans | 14.1417% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 4.9926% | 1,282 |
| Noncurrent loans to loans | 6.5394% | 911 |
| Net loans and leases to total assets | 58.8132% | 4,891 |
| Net loans and leases to deposits | 68.6597% | 5,014 |
| Net loans and leases to core deposits | 84.2927% | 3,555 |
| Total domestic deposits to total assets | 85.6590% | 3,520 |
| Equity capital to assets | 14.0544% | 1,017 |
| Core capital (leverage) ratio | 14.2950% | 790 |
| Tier 1 risk-based capital ratio | 19.3493% | 1,631 |
| Total risk-based capital ratio | 20.1008% | 1,724 |
| Memoranda: | ||
| Average total assets | $89,725,800 | 5,299 |
| Average earning assets | $82,347,600 | 5,262 |
| Average equity | $13,369,400 | 4,294 |
| Average total loans | $56,564,600 | 5,210 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8635% | 5,422 |
| Cost of funding earning assets | 0.8955% | 6,408 |
| Net interest margin | 3.9680% | 3,245 |
| Noninterest income to average assets | 0.5242% | 3,994 |
| Noninterest expense to average assets | 3.4341% | 2,196 |
| Loan and lease loss provision to assets | 0.1130% | 5,904 |
| Net operating income to assets | 0.3511% | 4,959 |
| Return on assets (ROA) | 0.3916% | 4,963 |
| Pretax return on assets | 0.6778% | 4,310 |
| Return on Equity (ROE) | 2.5889% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.5889% | 4,606 |
| Net charge-offs to loans | 0.1553% | 5,071 |
| Credit loss provision to net charge-offs | 113.6364% | 3,687 |
| Earnings coverage of net charge-offs (x) | 7.3180% | 2,355 |
| Efficiency ratio | 82.5190% | 2,007 |
| Assets per employee ($millions) | 2.9964% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 6,461 |
| Loan loss allowance to noncurrent loans | 16.7228% | 7,018 |
| Noncurrent assets plus other real estate owned to assets | 5.0049% | 1,285 |
| Noncurrent loans to loans | 5.8923% | 1,082 |
| Net loans and leases to total assets | 63.1394% | 4,292 |
| Net loans and leases to deposits | 75.1092% | 4,331 |
| Net loans and leases to core deposits | 93.8457% | 2,543 |
| Total domestic deposits to total assets | 84.0635% | 4,095 |
| Equity capital to assets | 15.5406% | 764 |
| Core capital (leverage) ratio | 15.4281% | 644 |
| Tier 1 risk-based capital ratio | 19.9479% | 1,561 |
| Total risk-based capital ratio | 20.7651% | 1,607 |
| Memoranda: | ||
| Average total assets | $88,522,250 | 5,397 |
| Average earning assets | $81,146,250 | 5,369 |
| Average equity | $13,390,000 | 4,351 |
| Average total loans | $56,675,500 | 5,287 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 5,163 |
| Cost of funding earning assets | 0.8984% | 6,589 |
| Net interest margin | 4.0551% | 2,767 |
| Noninterest income to average assets | 0.5165% | 3,981 |
| Noninterest expense to average assets | 3.4402% | 2,166 |
| Loan and lease loss provision to assets | 0.0449% | 6,522 |
| Net operating income to assets | 0.5298% | 4,197 |
| Return on assets (ROA) | 0.5928% | 4,045 |
| Pretax return on assets | 0.8286% | 3,782 |
| Return on Equity (ROE) | 3.9545% | 4,795 |
| Retained earnings to average equity (ytd only) | 3.9545% | 3,563 |
| Net charge-offs to loans | 0.1296% | 4,906 |
| Credit loss provision to net charge-offs | 54.0541% | 5,338 |
| Earnings coverage of net charge-offs (x) | 9.4595% | 2,018 |
| Efficiency ratio | 81.4028% | 2,245 |
| Assets per employee ($millions) | 3.0341% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 6,735 |
| Loan loss allowance to noncurrent loans | 19.6078% | 6,963 |
| Noncurrent assets plus other real estate owned to assets | 4.1186% | 1,653 |
| Noncurrent loans to loans | 4.6226% | 1,558 |
| Net loans and leases to total assets | 64.6096% | 4,130 |
| Net loans and leases to deposits | 76.5883% | 4,222 |
| Net loans and leases to core deposits | 92.8254% | 2,868 |
| Total domestic deposits to total assets | 84.3596% | 3,930 |
| Equity capital to assets | 15.3370% | 813 |
| Core capital (leverage) ratio | 15.2655% | 674 |
| Tier 1 risk-based capital ratio | 19.5101% | 1,604 |
| Total risk-based capital ratio | 20.2710% | 1,678 |
| Memoranda: | ||
| Average total assets | $89,064,670 | 5,421 |
| Average earning assets | $81,478,000 | 5,390 |
| Average equity | $13,352,000 | 4,363 |
| Average total loans | $57,097,000 | 5,299 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9652% | 5,175 |
| Cost of funding earning assets | 0.8877% | 6,818 |
| Net interest margin | 4.0776% | 2,537 |
| Noninterest income to average assets | 0.4911% | 4,119 |
| Noninterest expense to average assets | 3.2633% | 2,663 |
| Loan and lease loss provision to assets | 0.0893% | 5,745 |
| Net operating income to assets | 0.7522% | 3,199 |
| Return on assets (ROA) | 0.8482% | 2,852 |
| Pretax return on assets | 0.9821% | 3,155 |
| Return on Equity (ROE) | 5.7227% | 4,001 |
| Retained earnings to average equity (ytd only) | 5.7227% | 2,753 |
| Net charge-offs to loans | 0.1615% | 3,958 |
| Credit loss provision to net charge-offs | 86.9565% | 3,720 |
| Earnings coverage of net charge-offs (x) | 9.3478% | 1,866 |
| Efficiency ratio | 77.2727% | 3,022 |
| Assets per employee ($millions) | 3.0104% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 6,666 |
| Loan loss allowance to noncurrent loans | 22.7137% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 3.6643% | 1,908 |
| Noncurrent loans to loans | 4.1840% | 1,842 |
| Net loans and leases to total assets | 63.7518% | 4,384 |
| Net loans and leases to deposits | 75.5231% | 4,494 |
| Net loans and leases to core deposits | 93.4908% | 2,905 |
| Total domestic deposits to total assets | 84.4137% | 3,941 |
| Equity capital to assets | 15.3332% | 804 |
| Core capital (leverage) ratio | 15.3707% | 674 |
| Tier 1 risk-based capital ratio | 22.9134% | 1,089 |
| Total risk-based capital ratio | 23.8362% | 1,113 |
| Memoranda: | ||
| Average total assets | $89,602,000 | 5,470 |
| Average earning assets | $82,010,000 | 5,437 |
| Average equity | $13,280,500 | 4,417 |
| Average total loans | $56,960,500 | 5,385 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0200% | 6,370 |
| Cost of funding earning assets | 1.1283% | 6,890 |
| Net interest margin | 3.8917% | 3,301 |
| Noninterest income to average assets | 0.5673% | 3,889 |
| Noninterest expense to average assets | 3.4731% | 2,446 |
| Loan and lease loss provision to assets | 0.1588% | 6,091 |
| Net operating income to assets | 0.3718% | 4,242 |
| Return on assets (ROA) | 0.3041% | 4,598 |
| Pretax return on assets | 0.4289% | 4,400 |
| Return on Equity (ROE) | 2.0553% | 4,881 |
| Retained earnings to average equity (ytd only) | 2.0553% | 3,666 |
| Net charge-offs to loans | 0.2060% | 5,342 |
| Credit loss provision to net charge-offs | 123.8938% | 4,246 |
| Earnings coverage of net charge-offs (x) | 5.3274% | 2,631 |
| Efficiency ratio | 83.5654% | 2,405 |
| Assets per employee ($millions) | 3.1691% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 6,706 |
| Loan loss allowance to noncurrent loans | 14.9874% | 7,264 |
| Noncurrent assets plus other real estate owned to assets | 5.1217% | 1,187 |
| Noncurrent loans to loans | 6.2064% | 1,001 |
| Net loans and leases to total assets | 62.2330% | 4,942 |
| Net loans and leases to deposits | 72.9171% | 5,206 |
| Net loans and leases to core deposits | 103.2532% | 3,659 |
| Total domestic deposits to total assets | 85.3476% | 3,387 |
| Equity capital to assets | 14.3358% | 1,065 |
| Core capital (leverage) ratio | 15.4518% | 699 |
| Tier 1 risk-based capital ratio | 18.8678% | 1,681 |
| Total risk-based capital ratio | 19.6431% | 1,736 |
| Memoranda: | ||
| Average total assets | $88,134,400 | 5,444 |
| Average earning assets | $81,274,600 | 5,418 |
| Average equity | $13,039,400 | 4,501 |
| Average total loans | $54,864,200 | 5,467 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1740% | 5,992 |
| Cost of funding earning assets | 1.1920% | 6,914 |
| Net interest margin | 3.9821% | 2,888 |
| Noninterest income to average assets | 0.5398% | 4,159 |
| Noninterest expense to average assets | 3.3366% | 2,780 |
| Loan and lease loss provision to assets | 0.1223% | 6,134 |
| Net operating income to assets | 0.3468% | 4,613 |
| Return on assets (ROA) | 0.2645% | 5,030 |
| Pretax return on assets | 0.6407% | 4,055 |
| Return on Equity (ROE) | 1.7736% | 5,241 |
| Retained earnings to average equity (ytd only) | 1.7736% | 4,322 |
| Net charge-offs to loans | 0.0566% | 6,139 |
| Credit loss provision to net charge-offs | 347.8261% | 1,178 |
| Earnings coverage of net charge-offs (x) | 25.3443% | 1,057 |
| Efficiency ratio | 78.9150% | 3,006 |
| Assets per employee ($millions) | 3.0250% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 6,215 |
| Loan loss allowance to noncurrent loans | 21.3318% | 7,019 |
| Noncurrent assets plus other real estate owned to assets | 4.3226% | 1,429 |
| Noncurrent loans to loans | 4.7397% | 1,442 |
| Net loans and leases to total assets | 63.2796% | 5,021 |
| Net loans and leases to deposits | 74.7405% | 5,257 |
| Net loans and leases to core deposits | 105.9612% | 3,704 |
| Total domestic deposits to total assets | 84.6657% | 3,396 |
| Equity capital to assets | 14.9023% | 1,032 |
| Core capital (leverage) ratio | 14.7177% | 911 |
| Tier 1 risk-based capital ratio | 19.4644% | 1,655 |
| Total risk-based capital ratio | 20.3150% | 1,693 |
| Memoranda: | ||
| Average total assets | $87,192,250 | 5,511 |
| Average earning assets | $80,760,250 | 5,469 |
| Average equity | $13,005,500 | 4,533 |
| Average total loans | $54,147,500 | 5,550 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4264% | 5,005 |
| Cost of funding earning assets | 1.2362% | 6,999 |
| Net interest margin | 4.1902% | 2,033 |
| Noninterest income to average assets | 0.5286% | 4,197 |
| Noninterest expense to average assets | 3.3649% | 2,740 |
| Loan and lease loss provision to assets | 0.1379% | 5,695 |
| Net operating income to assets | 0.5097% | 4,047 |
| Return on assets (ROA) | 0.5700% | 3,916 |
| Pretax return on assets | 0.9998% | 3,012 |
| Return on Equity (ROE) | 3.8204% | 4,570 |
| Retained earnings to average equity (ytd only) | 3.8204% | 3,167 |
| Net charge-offs to loans | 0.0411% | 5,889 |
| Credit loss provision to net charge-offs | 545.4545% | 852 |
| Earnings coverage of net charge-offs (x) | 41.2727% | 793 |
| Efficiency ratio | 76.3295% | 3,634 |
| Assets per employee ($millions) | 3.0601% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 6,082 |
| Loan loss allowance to noncurrent loans | 19.0071% | 7,184 |
| Noncurrent assets plus other real estate owned to assets | 4.1119% | 1,421 |
| Noncurrent loans to loans | 5.3632% | 1,099 |
| Net loans and leases to total assets | 61.1631% | 5,492 |
| Net loans and leases to deposits | 71.9772% | 5,742 |
| Net loans and leases to core deposits | 101.2158% | 4,377 |
| Total domestic deposits to total assets | 84.9757% | 3,275 |
| Equity capital to assets | 14.5995% | 1,140 |
| Core capital (leverage) ratio | 14.9551% | 933 |
| Tier 1 risk-based capital ratio | 19.8818% | 1,608 |
| Total risk-based capital ratio | 20.7334% | 1,638 |
| Memoranda: | ||
| Average total assets | $87,014,670 | 5,554 |
| Average earning assets | $80,568,670 | 5,511 |
| Average equity | $12,983,000 | 4,545 |
| Average total loans | $53,503,670 | 5,619 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6252% | 4,210 |
| Cost of funding earning assets | 1.2728% | 7,107 |
| Net interest margin | 4.3524% | 1,460 |
| Noninterest income to average assets | 0.5479% | 3,942 |
| Noninterest expense to average assets | 3.1294% | 3,272 |
| Loan and lease loss provision to assets | 0.2089% | 4,351 |
| Net operating income to assets | 0.6500% | 3,802 |
| Return on assets (ROA) | 0.6500% | 3,985 |
| Pretax return on assets | 1.2583% | 2,419 |
| Return on Equity (ROE) | 4.3089% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.3089% | 3,514 |
| Net charge-offs to loans | 0.0530% | 4,726 |
| Credit loss provision to net charge-offs | 642.8571% | 893 |
| Earnings coverage of net charge-offs (x) | 45.1429% | 776 |
| Efficiency ratio | 68.0808% | 4,954 |
| Assets per employee ($millions) | 2.9493% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 5,962 |
| Loan loss allowance to noncurrent loans | 21.7979% | 7,072 |
| Noncurrent assets plus other real estate owned to assets | 3.7403% | 1,416 |
| Noncurrent loans to loans | 4.7152% | 1,183 |
| Net loans and leases to total assets | 61.6972% | 5,387 |
| Net loans and leases to deposits | 73.2547% | 5,580 |
| Net loans and leases to core deposits | 105.9321% | 3,927 |
| Total domestic deposits to total assets | 84.2229% | 3,592 |
| Equity capital to assets | 15.2451% | 1,028 |
| Core capital (leverage) ratio | 15.0265% | 970 |
| Tier 1 risk-based capital ratio | 20.2870% | 1,566 |
| Total risk-based capital ratio | 21.1465% | 1,596 |
| Memoranda: | ||
| Average total assets | $86,150,500 | 5,598 |
| Average earning assets | $80,140,000 | 5,544 |
| Average equity | $12,996,500 | 4,576 |
| Average total loans | $52,837,000 | 5,675 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7684% | 1,797 |
| Cost of funding earning assets | 2.0935% | 6,083 |
| Net interest margin | 4.6748% | 1,019 |
| Noninterest income to average assets | 0.6738% | 3,302 |
| Noninterest expense to average assets | 3.3207% | 2,898 |
| Loan and lease loss provision to assets | 0.1744% | 5,158 |
| Net operating income to assets | 0.9772% | 2,650 |
| Return on assets (ROA) | 1.0225% | 2,348 |
| Pretax return on assets | 1.6052% | 1,369 |
| Return on Equity (ROE) | 7.3424% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.3424% | 1,038 |
| Net charge-offs to loans | 0.2865% | 3,491 |
| Credit loss provision to net charge-offs | 104.0268% | 5,140 |
| Earnings coverage of net charge-offs (x) | 10.1946% | 2,560 |
| Efficiency ratio | 66.0255% | 5,121 |
| Assets per employee ($millions) | 3.0990% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 6,245 |
| Loan loss allowance to noncurrent loans | 21.2146% | 7,180 |
| Noncurrent assets plus other real estate owned to assets | 3.1646% | 1,445 |
| Noncurrent loans to loans | 4.5916% | 1,034 |
| Net loans and leases to total assets | 59.7508% | 5,947 |
| Net loans and leases to deposits | 70.7037% | 6,202 |
| Net loans and leases to core deposits | 99.0316% | 4,926 |
| Total domestic deposits to total assets | 84.5088% | 3,076 |
| Equity capital to assets | 14.9288% | 1,178 |
| Core capital (leverage) ratio | 15.1627% | 989 |
| Tier 1 risk-based capital ratio | 23.2286% | 1,163 |
| Total risk-based capital ratio | 24.1540% | 1,179 |
| Memoranda: | ||
| Average total assets | $88,896,200 | 5,390 |
| Average earning assets | $82,826,200 | 5,335 |
| Average equity | $12,380,200 | 4,732 |
| Average total loans | $52,016,000 | 5,619 |