Home > First State Bank of the South, Inc. > Performance and Condition Ratios
First State Bank of the South, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0896% | 1,877 |
| Cost of funding earning assets | 1.1904% | 2,827 |
| Net interest margin | 3.8992% | 1,379 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.8081% | 1,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0019% | 2,218 |
| Return on assets (ROA) | 1.0019% | 2,198 |
| Pretax return on assets | 1.2554% | 1,994 |
| Return on Equity (ROE) | 7.9000% | 3,047 |
| Retained earnings to average equity (ytd only) | 4.8325% | 2,661 |
| Net charge-offs to loans | 0.0084% | 2,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 430 |
| Efficiency ratio | 69.1045% | 2,001 |
| Assets per employee ($millions) | 3.2321% | 4,343 |
| Cash dividends to net income (ytd only)* | 38.8661% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,217 |
| Loan loss allowance to noncurrent loans | 170.4735% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 1,010 |
| Noncurrent loans to loans | 0.5970% | 1,319 |
| Net loans and leases to total assets | 48.4600% | 3,702 |
| Net loans and leases to deposits | 59.7356% | 3,538 |
| Net loans and leases to core deposits | 62.7989% | 3,644 |
| Total domestic deposits to total assets | 81.1200% | 3,289 |
| Equity capital to assets | 13.2884% | 804 |
| Core capital (leverage) ratio | 16.4322% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $121,471,400 | 3,642 |
| Average earning assets | $107,022,600 | 3,676 |
| Average equity | $15,395,800 | 3,232 |
| Average total loans | $59,226,000 | 3,721 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0184% | 1,794 |
| Cost of funding earning assets | 1.1159% | 2,697 |
| Net interest margin | 3.9025% | 1,393 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.8111% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0049% | 2,351 |
| Return on assets (ROA) | 1.0049% | 2,339 |
| Pretax return on assets | 1.2680% | 2,125 |
| Return on Equity (ROE) | 8.0300% | 3,180 |
| Retained earnings to average equity (ytd only) | 8.0273% | 1,958 |
| Net charge-offs to loans | 0.0113% | 1,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 230.4000% | 540 |
| Efficiency ratio | 68.9153% | 1,915 |
| Assets per employee ($millions) | 3.1575% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,166 |
| Loan loss allowance to noncurrent loans | 106.4348% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 1,062 |
| Noncurrent loans to loans | 0.9745% | 842 |
| Net loans and leases to total assets | 48.6700% | 3,703 |
| Net loans and leases to deposits | 59.5948% | 3,527 |
| Net loans and leases to core deposits | 61.9218% | 3,617 |
| Total domestic deposits to total assets | 81.6600% | 3,279 |
| Equity capital to assets | 12.5291% | 914 |
| Core capital (leverage) ratio | 16.6425% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $121,134,000 | 3,653 |
| Average earning assets | $106,698,250 | 3,691 |
| Average equity | $15,164,500 | 3,245 |
| Average total loans | $59,000,250 | 3,730 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 1,803 |
| Cost of funding earning assets | 1.0238% | 2,520 |
| Net interest margin | 3.8598% | 1,508 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.7766% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0089% | 2,389 |
| Return on assets (ROA) | 1.0089% | 2,387 |
| Pretax return on assets | 1.2755% | 2,146 |
| Return on Equity (ROE) | 8.0600% | 3,218 |
| Retained earnings to average equity (ytd only) | 8.0614% | 1,941 |
| Net charge-offs to loans | 0.0136% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 193.7500% | 624 |
| Efficiency ratio | 68.5215% | 1,921 |
| Assets per employee ($millions) | 3.1682% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,154 |
| Loan loss allowance to noncurrent loans | 21.2111% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 2.4711% | 99 |
| Noncurrent loans to loans | 4.9816% | 50 |
| Net loans and leases to total assets | 47.6800% | 3,703 |
| Net loans and leases to deposits | 58.5308% | 3,511 |
| Net loans and leases to core deposits | 60.1362% | 3,627 |
| Total domestic deposits to total assets | 81.4600% | 3,347 |
| Equity capital to assets | 12.9180% | 828 |
| Core capital (leverage) ratio | 16.3344% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $121,517,000 | 3,661 |
| Average earning assets | $107,052,667 | 3,698 |
| Average equity | $15,208,333 | 3,253 |
| Average total loans | $58,999,333 | 3,734 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 1,496 |
| Cost of funding earning assets | 0.9482% | 2,226 |
| Net interest margin | 3.9075% | 1,467 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.7982% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0256% | 2,451 |
| Return on assets (ROA) | 1.0256% | 2,417 |
| Pretax return on assets | 1.3041% | 2,161 |
| Return on Equity (ROE) | 8.3300% | 3,218 |
| Retained earnings to average equity (ytd only) | 8.3264% | 2,137 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.2109% | 1,947 |
| Assets per employee ($millions) | 3.2930% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,294 |
| Loan loss allowance to noncurrent loans | 138.0313% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 1,185 |
| Noncurrent loans to loans | 0.7609% | 1,011 |
| Net loans and leases to total assets | 47.7100% | 3,650 |
| Net loans and leases to deposits | 58.3639% | 3,433 |
| Net loans and leases to core deposits | 60.1795% | 3,535 |
| Total domestic deposits to total assets | 81.7500% | 3,522 |
| Equity capital to assets | 12.6566% | 837 |
| Core capital (leverage) ratio | 15.8163% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2011% | 492 |
| Memoranda: | ||
| Average total assets | $122,080,500 | 3,700 |
| Average earning assets | $107,997,500 | 3,737 |
| Average equity | $15,036,500 | 3,303 |
| Average total loans | $59,492,500 | 3,766 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 956 |
| Cost of funding earning assets | 0.4476% | 1,738 |
| Net interest margin | 3.9094% | 934 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.6664% | 1,638 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0275% | 2,469 |
| Return on assets (ROA) | 1.0262% | 2,417 |
| Pretax return on assets | 1.3012% | 2,082 |
| Return on Equity (ROE) | 7.9500% | 3,405 |
| Retained earnings to average equity (ytd only) | 4.8143% | 3,132 |
| Net charge-offs to loans | 0.0436% | 1,250 |
| Credit loss provision to net charge-offs | 376.0000% | 800 |
| Earnings coverage of net charge-offs (x) | 67.2400% | 1,182 |
| Efficiency ratio | 65.8957% | 2,240 |
| Assets per employee ($millions) | 3.3059% | 4,486 |
| Cash dividends to net income (ytd only)* | 39.4400% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,234 |
| Loan loss allowance to noncurrent loans | 362.9412% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 1,607 |
| Noncurrent loans to loans | 0.2822% | 2,138 |
| Net loans and leases to total assets | 48.7400% | 3,607 |
| Net loans and leases to deposits | 59.0017% | 3,398 |
| Net loans and leases to core deposits | 62.8088% | 3,342 |
| Total domestic deposits to total assets | 82.6100% | 3,510 |
| Equity capital to assets | 11.9785% | 943 |
| Core capital (leverage) ratio | 15.5860% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $121,810,800 | 3,706 |
| Average earning assets | $106,564,600 | 3,765 |
| Average equity | $15,724,000 | 3,304 |
| Average total loans | $57,357,800 | 3,782 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 764 |
| Cost of funding earning assets | 0.3485% | 1,719 |
| Net interest margin | 3.9333% | 734 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.6834% | 1,508 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0023% | 2,476 |
| Return on assets (ROA) | 1.0015% | 2,443 |
| Pretax return on assets | 1.2677% | 2,148 |
| Return on Equity (ROE) | 7.6200% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.6203% | 2,144 |
| Net charge-offs to loans | 0.0565% | 918 |
| Credit loss provision to net charge-offs | 391.6667% | 716 |
| Earnings coverage of net charge-offs (x) | 52.1667% | 1,262 |
| Efficiency ratio | 66.1713% | 2,254 |
| Assets per employee ($millions) | 3.2665% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,483 |
| Loan loss allowance to noncurrent loans | 111.1511% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 833 |
| Noncurrent loans to loans | 0.8995% | 870 |
| Net loans and leases to total assets | 50.6300% | 3,408 |
| Net loans and leases to deposits | 61.2939% | 3,085 |
| Net loans and leases to core deposits | 64.9811% | 3,029 |
| Total domestic deposits to total assets | 82.6100% | 3,741 |
| Equity capital to assets | 11.8186% | 917 |
| Core capital (leverage) ratio | 15.7482% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $121,683,750 | 3,738 |
| Average earning assets | $105,964,750 | 3,793 |
| Average equity | $15,992,000 | 3,320 |
| Average total loans | $56,638,000 | 3,812 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 670 |
| Cost of funding earning assets | 0.2974% | 1,734 |
| Net interest margin | 3.8769% | 642 |
| Noninterest income to average assets | 0.6510% | 1,537 |
| Noninterest expense to average assets | 2.6894% | 1,415 |
| Loan and lease loss provision to assets | 0.0787% | 1,235 |
| Net operating income to assets | 0.9805% | 2,231 |
| Return on assets (ROA) | 0.9921% | 2,159 |
| Pretax return on assets | 1.2545% | 1,886 |
| Return on Equity (ROE) | 7.3062% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.3062% | 1,881 |
| Net charge-offs to loans | 0.0765% | 701 |
| Credit loss provision to net charge-offs | 228.5714% | 911 |
| Earnings coverage of net charge-offs (x) | 38.2857% | 1,281 |
| Efficiency ratio | 67.1031% | 2,371 |
| Assets per employee ($millions) | 3.7043% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,541 |
| Loan loss allowance to noncurrent loans | 348.4848% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 1,772 |
| Noncurrent loans to loans | 0.2909% | 2,308 |
| Net loans and leases to total assets | 45.9282% | 3,713 |
| Net loans and leases to deposits | 53.3709% | 3,582 |
| Net loans and leases to core deposits | 59.0287% | 3,346 |
| Total domestic deposits to total assets | 86.0548% | 3,229 |
| Equity capital to assets | 12.6028% | 741 |
| Core capital (leverage) ratio | 15.2036% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,958,333 | 3,780 |
| Average earning assets | $105,599,000 | 3,851 |
| Average equity | $16,561,333 | 3,353 |
| Average total loans | $54,913,333 | 3,878 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 590 |
| Cost of funding earning assets | 0.2958% | 1,693 |
| Net interest margin | 3.8419% | 579 |
| Noninterest income to average assets | 0.6469% | 1,505 |
| Noninterest expense to average assets | 2.6696% | 1,427 |
| Loan and lease loss provision to assets | 0.0328% | 1,779 |
| Net operating income to assets | 0.9716% | 1,991 |
| Return on assets (ROA) | 0.9949% | 1,890 |
| Pretax return on assets | 1.2576% | 1,632 |
| Return on Equity (ROE) | 7.0716% | 3,016 |
| Retained earnings to average equity (ytd only) | 7.0716% | 1,871 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9198% | 2,516 |
| Assets per employee ($millions) | 3.7400% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,581 |
| Loan loss allowance to noncurrent loans | 203.6496% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 1,635 |
| Noncurrent loans to loans | 0.5082% | 1,754 |
| Net loans and leases to total assets | 43.2324% | 3,797 |
| Net loans and leases to deposits | 50.7124% | 3,672 |
| Net loans and leases to core deposits | 55.7999% | 3,462 |
| Total domestic deposits to total assets | 85.2502% | 3,484 |
| Equity capital to assets | 13.1787% | 657 |
| Core capital (leverage) ratio | 15.1157% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,816,000 | 3,801 |
| Average earning assets | $104,115,500 | 3,884 |
| Average equity | $17,139,000 | 3,384 |
| Average total loans | $54,010,500 | 3,901 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6067% | 506 |
| Cost of funding earning assets | 0.3208% | 2,189 |
| Net interest margin | 4.2859% | 422 |
| Noninterest income to average assets | 0.6418% | 1,983 |
| Noninterest expense to average assets | 2.8960% | 1,164 |
| Loan and lease loss provision to assets | 0.0837% | 1,469 |
| Net operating income to assets | 0.9864% | 2,730 |
| Return on assets (ROA) | 1.0259% | 2,644 |
| Pretax return on assets | 1.2886% | 2,394 |
| Return on Equity (ROE) | 6.7687% | 3,580 |
| Retained earnings to average equity (ytd only) | 4.0469% | 3,205 |
| Net charge-offs to loans | 0.0447% | 1,388 |
| Credit loss provision to net charge-offs | 454.5455% | 848 |
| Earnings coverage of net charge-offs (x) | 71.8636% | 1,058 |
| Efficiency ratio | 68.6434% | 1,905 |
| Assets per employee ($millions) | 3.6428% | 4,552 |
| Cash dividends to net income (ytd only)* | 40.2121% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 3,690 |
| Loan loss allowance to noncurrent loans | 176.7742% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 925 |
| Noncurrent loans to loans | 0.5729% | 1,707 |
| Net loans and leases to total assets | 44.5526% | 3,793 |
| Net loans and leases to deposits | 53.4260% | 3,636 |
| Net loans and leases to core deposits | 58.4630% | 3,435 |
| Total domestic deposits to total assets | 83.3911% | 3,723 |
| Equity capital to assets | 14.9842% | 494 |
| Core capital (leverage) ratio | 14.8654% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,507,800 | 3,809 |
| Average earning assets | $99,746,600 | 3,909 |
| Average equity | $18,112,800 | 3,370 |
| Average total loans | $49,178,800 | 4,017 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 467 |
| Cost of funding earning assets | 0.3316% | 2,279 |
| Net interest margin | 4.3932% | 378 |
| Noninterest income to average assets | 0.5966% | 2,225 |
| Noninterest expense to average assets | 2.9329% | 1,071 |
| Loan and lease loss provision to assets | 0.0838% | 1,422 |
| Net operating income to assets | 0.9629% | 3,039 |
| Return on assets (ROA) | 1.0156% | 2,913 |
| Pretax return on assets | 1.2726% | 2,696 |
| Return on Equity (ROE) | 6.6820% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.6820% | 2,542 |
| Net charge-offs to loans | 0.0612% | 1,026 |
| Credit loss provision to net charge-offs | 340.9091% | 938 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 1,216 |
| Efficiency ratio | 69.4444% | 1,664 |
| Assets per employee ($millions) | 3.8311% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,765 |
| Loan loss allowance to noncurrent loans | 188.1295% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 1,196 |
| Noncurrent loans to loans | 0.5439% | 1,958 |
| Net loans and leases to total assets | 41.2640% | 4,131 |
| Net loans and leases to deposits | 49.5917% | 4,022 |
| Net loans and leases to core deposits | 54.1952% | 3,904 |
| Total domestic deposits to total assets | 83.2074% | 3,654 |
| Equity capital to assets | 15.0649% | 531 |
| Core capital (leverage) ratio | 14.8823% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,331,500 | 3,849 |
| Average earning assets | $98,514,000 | 3,970 |
| Average equity | $18,137,750 | 3,417 |
| Average total loans | $47,947,000 | 4,090 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 315 |
| Cost of funding earning assets | 0.3422% | 2,384 |
| Net interest margin | 4.7140% | 254 |
| Noninterest income to average assets | 0.5971% | 2,230 |
| Noninterest expense to average assets | 3.1291% | 804 |
| Loan and lease loss provision to assets | 0.1269% | 990 |
| Net operating income to assets | 0.9435% | 3,081 |
| Return on assets (ROA) | 1.0233% | 2,891 |
| Pretax return on assets | 1.2855% | 2,670 |
| Return on Equity (ROE) | 6.7120% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.7120% | 2,535 |
| Net charge-offs to loans | 0.0469% | 1,166 |
| Credit loss provision to net charge-offs | 681.8182% | 585 |
| Earnings coverage of net charge-offs (x) | 70.5455% | 896 |
| Efficiency ratio | 70.4494% | 1,582 |
| Assets per employee ($millions) | 3.7816% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,641 |
| Loan loss allowance to noncurrent loans | 333.7500% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 1,526 |
| Noncurrent loans to loans | 0.3138% | 2,800 |
| Net loans and leases to total assets | 41.6926% | 4,201 |
| Net loans and leases to deposits | 50.0923% | 4,105 |
| Net loans and leases to core deposits | 54.8063% | 3,975 |
| Total domestic deposits to total assets | 83.2314% | 3,658 |
| Equity capital to assets | 15.0481% | 519 |
| Core capital (leverage) ratio | 15.0335% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,243,333 | 3,876 |
| Average earning assets | $96,436,667 | 4,012 |
| Average equity | $18,027,333 | 3,424 |
| Average total loans | $46,892,333 | 4,138 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2216% | 1,161 |
| Cost of funding earning assets | 0.3739% | 2,322 |
| Net interest margin | 3.8478% | 1,060 |
| Noninterest income to average assets | 0.5956% | 2,230 |
| Noninterest expense to average assets | 2.9026% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6846% | 3,749 |
| Return on assets (ROA) | 0.6846% | 3,813 |
| Pretax return on assets | 0.8283% | 3,763 |
| Return on Equity (ROE) | 4.4603% | 4,198 |
| Retained earnings to average equity (ytd only) | 4.4603% | 3,375 |
| Net charge-offs to loans | 0.0535% | 972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 979 |
| Efficiency ratio | 77.7982% | 971 |
| Assets per employee ($millions) | 3.2621% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 3,789 |
| Loan loss allowance to noncurrent loans | 89.7485% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 1,538 |
| Noncurrent loans to loans | 1.1295% | 1,188 |
| Net loans and leases to total assets | 38.5830% | 4,404 |
| Net loans and leases to deposits | 46.2328% | 4,339 |
| Net loans and leases to core deposits | 50.7243% | 4,258 |
| Total domestic deposits to total assets | 83.4538% | 3,580 |
| Equity capital to assets | 15.0747% | 483 |
| Core capital (leverage) ratio | 14.8819% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,859,000 | 3,891 |
| Average earning assets | $95,224,000 | 4,038 |
| Average equity | $17,936,000 | 3,426 |
| Average total loans | $44,845,000 | 4,192 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 1,641 |
| Cost of funding earning assets | 0.5785% | 2,455 |
| Net interest margin | 3.8018% | 1,496 |
| Noninterest income to average assets | 0.7734% | 1,616 |
| Noninterest expense to average assets | 3.0703% | 1,290 |
| Loan and lease loss provision to assets | 0.0752% | 3,443 |
| Net operating income to assets | 0.6973% | 3,445 |
| Return on assets (ROA) | 0.6973% | 3,576 |
| Pretax return on assets | 0.8164% | 3,593 |
| Return on Equity (ROE) | 4.4301% | 4,048 |
| Retained earnings to average equity (ytd only) | 2.4112% | 3,658 |
| Net charge-offs to loans | 0.0703% | 1,788 |
| Credit loss provision to net charge-offs | 270.9677% | 1,839 |
| Earnings coverage of net charge-offs (x) | 32.1290% | 1,549 |
| Efficiency ratio | 77.4966% | 1,080 |
| Assets per employee ($millions) | 2.7686% | 4,861 |
| Cash dividends to net income (ytd only)* | 45.5712% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 3,596 |
| Loan loss allowance to noncurrent loans | 120.2046% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 2,049 |
| Noncurrent loans to loans | 0.8903% | 1,580 |
| Net loans and leases to total assets | 37.3623% | 4,553 |
| Net loans and leases to deposits | 45.1805% | 4,491 |
| Net loans and leases to core deposits | 50.5603% | 4,400 |
| Total domestic deposits to total assets | 82.6957% | 3,497 |
| Equity capital to assets | 15.6248% | 471 |
| Core capital (leverage) ratio | 14.6253% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,716,000 | 3,861 |
| Average earning assets | $93,693,400 | 3,981 |
| Average equity | $17,584,400 | 3,409 |
| Average total loans | $44,114,000 | 4,224 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4608% | 1,675 |
| Cost of funding earning assets | 0.6074% | 2,568 |
| Net interest margin | 3.8533% | 1,470 |
| Noninterest income to average assets | 0.8079% | 1,466 |
| Noninterest expense to average assets | 3.1194% | 1,200 |
| Loan and lease loss provision to assets | 0.1013% | 3,051 |
| Net operating income to assets | 0.7174% | 3,401 |
| Return on assets (ROA) | 0.7174% | 3,502 |
| Pretax return on assets | 0.8609% | 3,489 |
| Return on Equity (ROE) | 4.5493% | 4,015 |
| Retained earnings to average equity (ytd only) | 4.5493% | 2,773 |
| Net charge-offs to loans | 0.0694% | 1,622 |
| Credit loss provision to net charge-offs | 365.2174% | 1,556 |
| Earnings coverage of net charge-offs (x) | 34.6957% | 1,473 |
| Efficiency ratio | 76.4254% | 1,169 |
| Assets per employee ($millions) | 2.7465% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,417 |
| Loan loss allowance to noncurrent loans | 391.8033% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 3,064 |
| Noncurrent loans to loans | 0.2703% | 3,326 |
| Net loans and leases to total assets | 38.7175% | 4,604 |
| Net loans and leases to deposits | 47.0502% | 4,573 |
| Net loans and leases to core deposits | 52.4202% | 4,508 |
| Total domestic deposits to total assets | 82.2897% | 3,344 |
| Equity capital to assets | 15.8560% | 488 |
| Core capital (leverage) ratio | 14.8711% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,574,250 | 3,870 |
| Average earning assets | $93,942,750 | 3,974 |
| Average equity | $17,438,250 | 3,425 |
| Average total loans | $44,163,500 | 4,248 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 1,785 |
| Cost of funding earning assets | 0.6579% | 2,643 |
| Net interest margin | 3.8900% | 1,595 |
| Noninterest income to average assets | 0.9213% | 1,118 |
| Noninterest expense to average assets | 3.2464% | 1,081 |
| Loan and lease loss provision to assets | 0.1542% | 2,453 |
| Net operating income to assets | 0.7359% | 3,257 |
| Return on assets (ROA) | 0.7359% | 3,376 |
| Pretax return on assets | 0.8845% | 3,355 |
| Return on Equity (ROE) | 4.6752% | 3,928 |
| Retained earnings to average equity (ytd only) | 4.6752% | 2,622 |
| Net charge-offs to loans | 0.0776% | 1,469 |
| Credit loss provision to net charge-offs | 494.1176% | 1,245 |
| Earnings coverage of net charge-offs (x) | 33.2941% | 1,362 |
| Efficiency ratio | 75.7602% | 1,288 |
| Assets per employee ($millions) | 2.6827% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,197 |
| Loan loss allowance to noncurrent loans | 300.6211% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 3,052 |
| Noncurrent loans to loans | 0.3584% | 3,114 |
| Net loans and leases to total assets | 39.4435% | 4,628 |
| Net loans and leases to deposits | 48.0314% | 4,594 |
| Net loans and leases to core deposits | 53.0188% | 4,524 |
| Total domestic deposits to total assets | 82.1203% | 3,333 |
| Equity capital to assets | 15.8482% | 483 |
| Core capital (leverage) ratio | 15.4258% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7388% | 411 |
| Memoranda: | ||
| Average total assets | $108,982,000 | 3,879 |
| Average earning assets | $94,242,000 | 3,968 |
| Average equity | $17,154,333 | 3,456 |
| Average total loans | $43,838,333 | 4,270 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 2,370 |
| Cost of funding earning assets | 0.6862% | 2,988 |
| Net interest margin | 3.7907% | 2,019 |
| Noninterest income to average assets | 0.7430% | 1,485 |
| Noninterest expense to average assets | 3.0989% | 1,643 |
| Loan and lease loss provision to assets | 0.0971% | 2,472 |
| Net operating income to assets | 0.7691% | 3,026 |
| Return on assets (ROA) | 0.7691% | 3,099 |
| Pretax return on assets | 0.9297% | 3,056 |
| Return on Equity (ROE) | 4.9039% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.9039% | 2,319 |
| Net charge-offs to loans | 0.0832% | 1,202 |
| Credit loss provision to net charge-offs | 288.8889% | 1,208 |
| Earnings coverage of net charge-offs (x) | 30.5556% | 1,174 |
| Efficiency ratio | 75.1131% | 1,673 |
| Assets per employee ($millions) | 2.4747% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,680 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 2,055 |
| Noncurrent loans to loans | 1.1481% | 1,447 |
| Net loans and leases to total assets | 40.1891% | 4,661 |
| Net loans and leases to deposits | 48.7079% | 4,637 |
| Net loans and leases to core deposits | 54.0678% | 4,567 |
| Total domestic deposits to total assets | 82.5104% | 3,258 |
| Equity capital to assets | 15.8121% | 613 |
| Core capital (leverage) ratio | 15.5056% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5079% | 373 |
| Memoranda: | ||
| Average total assets | $107,135,500 | 3,882 |
| Average earning assets | $95,602,500 | 3,933 |
| Average equity | $16,803,000 | 3,488 |
| Average total loans | $43,294,000 | 4,293 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 2,757 |
| Cost of funding earning assets | 0.7400% | 2,974 |
| Net interest margin | 3.8171% | 2,449 |
| Noninterest income to average assets | 0.9084% | 1,161 |
| Noninterest expense to average assets | 3.3065% | 1,283 |
| Loan and lease loss provision to assets | 0.1215% | 1,741 |
| Net operating income to assets | 0.6844% | 3,912 |
| Return on assets (ROA) | 0.7714% | 3,718 |
| Pretax return on assets | 0.9440% | 3,621 |
| Return on Equity (ROE) | 4.8444% | 4,255 |
| Retained earnings to average equity (ytd only) | 2.7008% | 3,689 |
| Net charge-offs to loans | 0.1619% | 1,240 |
| Credit loss provision to net charge-offs | 196.8750% | 1,348 |
| Earnings coverage of net charge-offs (x) | 15.5469% | 2,224 |
| Efficiency ratio | 77.5090% | 1,204 |
| Assets per employee ($millions) | 2.5083% | 4,996 |
| Cash dividends to net income (ytd only)* | 44.2500% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 3,694 |
| Loan loss allowance to noncurrent loans | 229.1209% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 3,573 |
| Noncurrent loans to loans | 0.4195% | 2,940 |
| Net loans and leases to total assets | 39.8400% | 4,738 |
| Net loans and leases to deposits | 48.1355% | 4,742 |
| Net loans and leases to core deposits | 53.3278% | 4,668 |
| Total domestic deposits to total assets | 82.7664% | 3,281 |
| Equity capital to assets | 15.5573% | 680 |
| Core capital (leverage) ratio | 15.5613% | 583 |
| Tier 1 risk-based capital ratio | 24.0552% | 824 |
| Total risk-based capital ratio | 24.6599% | 861 |
| Memoranda: | ||
| Average total assets | $103,704,000 | 3,941 |
| Average earning assets | $91,220,600 | 4,028 |
| Average equity | $16,513,800 | 3,493 |
| Average total loans | $39,526,600 | 4,413 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 2,587 |
| Cost of funding earning assets | 0.7416% | 3,003 |
| Net interest margin | 3.9026% | 2,244 |
| Noninterest income to average assets | 0.9000% | 1,141 |
| Noninterest expense to average assets | 3.3623% | 1,154 |
| Loan and lease loss provision to assets | 0.1312% | 1,474 |
| Net operating income to assets | 0.6688% | 4,110 |
| Return on assets (ROA) | 0.7571% | 3,894 |
| Pretax return on assets | 0.9325% | 3,786 |
| Return on Equity (ROE) | 4.7261% | 4,412 |
| Retained earnings to average equity (ytd only) | 4.7261% | 3,041 |
| Net charge-offs to loans | 0.1487% | 1,098 |
| Credit loss provision to net charge-offs | 234.8837% | 1,150 |
| Earnings coverage of net charge-offs (x) | 17.0937% | 2,112 |
| Efficiency ratio | 77.8881% | 1,115 |
| Assets per employee ($millions) | 2.3497% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,490 |
| Loan loss allowance to noncurrent loans | 237.3563% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 3,611 |
| Noncurrent loans to loans | 0.4273% | 3,025 |
| Net loans and leases to total assets | 38.9911% | 4,849 |
| Net loans and leases to deposits | 47.8185% | 4,825 |
| Net loans and leases to core deposits | 53.0701% | 4,772 |
| Total domestic deposits to total assets | 81.5399% | 3,606 |
| Equity capital to assets | 16.5875% | 543 |
| Core capital (leverage) ratio | 15.9691% | 565 |
| Tier 1 risk-based capital ratio | 25.2800% | 753 |
| Total risk-based capital ratio | 25.9042% | 778 |
| Memoranda: | ||
| Average total assets | $102,665,250 | 4,001 |
| Average earning assets | $89,887,500 | 4,094 |
| Average equity | $16,447,250 | 3,521 |
| Average total loans | $38,561,250 | 4,493 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 2,665 |
| Cost of funding earning assets | 0.7114% | 3,109 |
| Net interest margin | 3.8926% | 2,260 |
| Noninterest income to average assets | 0.9060% | 1,063 |
| Noninterest expense to average assets | 3.3624% | 1,167 |
| Loan and lease loss provision to assets | 0.1972% | 876 |
| Net operating income to assets | 0.6052% | 4,294 |
| Return on assets (ROA) | 0.7381% | 3,931 |
| Pretax return on assets | 0.9080% | 3,826 |
| Return on Equity (ROE) | 4.6628% | 4,428 |
| Retained earnings to average equity (ytd only) | 4.6628% | 2,940 |
| Net charge-offs to loans | 0.1797% | 913 |
| Credit loss provision to net charge-offs | 297.0588% | 911 |
| Earnings coverage of net charge-offs (x) | 14.1765% | 2,055 |
| Efficiency ratio | 78.1307% | 1,132 |
| Assets per employee ($millions) | 2.3374% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,390 |
| Loan loss allowance to noncurrent loans | 146.5278% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 3,361 |
| Noncurrent loans to loans | 0.7103% | 2,206 |
| Net loans and leases to total assets | 39.0144% | 4,879 |
| Net loans and leases to deposits | 47.5848% | 4,860 |
| Net loans and leases to core deposits | 48.6475% | 4,896 |
| Total domestic deposits to total assets | 81.9892% | 3,512 |
| Equity capital to assets | 16.3238% | 564 |
| Core capital (leverage) ratio | 15.9690% | 548 |
| Tier 1 risk-based capital ratio | 25.1049% | 745 |
| Total risk-based capital ratio | 25.7461% | 784 |
| Memoranda: | ||
| Average total assets | $102,425,330 | 4,027 |
| Average earning assets | $89,400,330 | 4,127 |
| Average equity | $16,213,330 | 3,547 |
| Average total loans | $37,840,330 | 4,548 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 2,768 |
| Cost of funding earning assets | 0.6658% | 3,229 |
| Net interest margin | 3.8641% | 2,296 |
| Noninterest income to average assets | 0.9666% | 887 |
| Noninterest expense to average assets | 3.4006% | 1,108 |
| Loan and lease loss provision to assets | 0.1800% | 922 |
| Net operating income to assets | 0.6072% | 4,215 |
| Return on assets (ROA) | 0.7435% | 3,842 |
| Pretax return on assets | 0.9157% | 3,717 |
| Return on Equity (ROE) | 4.7721% | 4,392 |
| Retained earnings to average equity (ytd only) | 4.7721% | 3,013 |
| Net charge-offs to loans | 0.0987% | 1,150 |
| Credit loss provision to net charge-offs | 511.1111% | 599 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,408 |
| Efficiency ratio | 78.5714% | 1,211 |
| Assets per employee ($millions) | 2.3536% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 3,509 |
| Loan loss allowance to noncurrent loans | 114.2857% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 3,065 |
| Noncurrent loans to loans | 0.9037% | 1,850 |
| Net loans and leases to total assets | 36.2705% | 5,012 |
| Net loans and leases to deposits | 43.8494% | 4,992 |
| Net loans and leases to core deposits | 44.8131% | 5,023 |
| Total domestic deposits to total assets | 82.7160% | 3,495 |
| Equity capital to assets | 15.6704% | 623 |
| Core capital (leverage) ratio | 15.9480% | 540 |
| Tier 1 risk-based capital ratio | 25.5603% | 721 |
| Total risk-based capital ratio | 26.1737% | 753 |
| Memoranda: | ||
| Average total assets | $102,216,000 | 4,069 |
| Average earning assets | $88,921,000 | 4,165 |
| Average equity | $15,926,000 | 3,590 |
| Average total loans | $36,487,500 | 4,629 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 2,994 |
| Cost of funding earning assets | 0.4880% | 3,430 |
| Net interest margin | 3.8443% | 2,524 |
| Noninterest income to average assets | 0.8849% | 1,213 |
| Noninterest expense to average assets | 3.2396% | 1,450 |
| Loan and lease loss provision to assets | 0.1025% | 2,144 |
| Net operating income to assets | 0.6764% | 4,215 |
| Return on assets (ROA) | 0.7325% | 4,038 |
| Pretax return on assets | 0.8966% | 3,909 |
| Return on Equity (ROE) | 4.8544% | 4,489 |
| Retained earnings to average equity (ytd only) | 2.5567% | 4,121 |
| Net charge-offs to loans | 0.0948% | 1,813 |
| Credit loss provision to net charge-offs | 300.0000% | 1,027 |
| Earnings coverage of net charge-offs (x) | 27.2286% | 1,693 |
| Efficiency ratio | 77.6815% | 1,165 |
| Assets per employee ($millions) | 2.2926% | 5,267 |
| Cash dividends to net income (ytd only)* | 47.3333% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,594 |
| Loan loss allowance to noncurrent loans | 58.5809% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 2,094 |
| Noncurrent loans to loans | 1.7303% | 830 |
| Net loans and leases to total assets | 34.3666% | 5,110 |
| Net loans and leases to deposits | 41.4290% | 5,095 |
| Net loans and leases to core deposits | 42.4893% | 5,112 |
| Total domestic deposits to total assets | 82.9530% | 3,343 |
| Equity capital to assets | 15.4886% | 619 |
| Core capital (leverage) ratio | 15.9237% | 522 |
| Tier 1 risk-based capital ratio | 25.7320% | 691 |
| Total risk-based capital ratio | 26.2979% | 727 |
| Memoranda: | ||
| Average total assets | $102,389,200 | 4,059 |
| Average earning assets | $87,505,200 | 4,198 |
| Average equity | $15,449,800 | 3,581 |
| Average total loans | $36,938,400 | 4,635 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 2,905 |
| Cost of funding earning assets | 0.4624% | 3,442 |
| Net interest margin | 3.8545% | 2,460 |
| Noninterest income to average assets | 0.8654% | 1,299 |
| Noninterest expense to average assets | 3.2045% | 1,511 |
| Loan and lease loss provision to assets | 0.1362% | 1,470 |
| Net operating income to assets | 0.6547% | 4,352 |
| Return on assets (ROA) | 0.7291% | 4,148 |
| Pretax return on assets | 0.8926% | 4,046 |
| Return on Equity (ROE) | 4.8637% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.8637% | 3,310 |
| Net charge-offs to loans | 0.0713% | 1,821 |
| Credit loss provision to net charge-offs | 525.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 36.1447% | 1,429 |
| Efficiency ratio | 77.3567% | 1,193 |
| Assets per employee ($millions) | 2.3485% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 3,783 |
| Loan loss allowance to noncurrent loans | 262.4113% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 4,007 |
| Noncurrent loans to loans | 0.3803% | 3,290 |
| Net loans and leases to total assets | 35.5233% | 5,158 |
| Net loans and leases to deposits | 42.5289% | 5,141 |
| Net loans and leases to core deposits | 43.7146% | 5,170 |
| Total domestic deposits to total assets | 83.5274% | 3,110 |
| Equity capital to assets | 14.8633% | 752 |
| Core capital (leverage) ratio | 15.7710% | 557 |
| Tier 1 risk-based capital ratio | 25.2817% | 726 |
| Total risk-based capital ratio | 25.8553% | 769 |
| Memoranda: | ||
| Average total assets | $102,768,000 | 4,096 |
| Average earning assets | $87,377,250 | 4,238 |
| Average equity | $15,406,250 | 3,609 |
| Average total loans | $37,417,500 | 4,676 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,715 |
| Cost of funding earning assets | 0.4265% | 3,527 |
| Net interest margin | 3.8867% | 2,251 |
| Noninterest income to average assets | 0.8247% | 1,405 |
| Noninterest expense to average assets | 3.1702% | 1,609 |
| Loan and lease loss provision to assets | 0.2047% | 830 |
| Net operating income to assets | 0.6036% | 4,485 |
| Return on assets (ROA) | 0.7155% | 4,160 |
| Pretax return on assets | 0.8735% | 4,044 |
| Return on Equity (ROE) | 4.7594% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.7594% | 3,204 |
| Net charge-offs to loans | 0.0799% | 1,527 |
| Credit loss provision to net charge-offs | 700.0000% | 554 |
| Earnings coverage of net charge-offs (x) | 32.2000% | 1,441 |
| Efficiency ratio | 77.0982% | 1,302 |
| Assets per employee ($millions) | 2.3577% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 4,119 |
| Loan loss allowance to noncurrent loans | 367.6471% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 4,421 |
| Noncurrent loans to loans | 0.2584% | 3,778 |
| Net loans and leases to total assets | 37.6847% | 5,136 |
| Net loans and leases to deposits | 45.0427% | 5,121 |
| Net loans and leases to core deposits | 46.2940% | 5,139 |
| Total domestic deposits to total assets | 83.6645% | 3,189 |
| Equity capital to assets | 14.8404% | 717 |
| Core capital (leverage) ratio | 15.4977% | 568 |
| Tier 1 risk-based capital ratio | 24.4894% | 790 |
| Total risk-based capital ratio | 25.0593% | 822 |
| Memoranda: | ||
| Average total assets | $102,579,000 | 4,137 |
| Average earning assets | $86,758,000 | 4,279 |
| Average equity | $15,422,000 | 3,626 |
| Average total loans | $37,530,670 | 4,717 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 2,667 |
| Cost of funding earning assets | 0.3949% | 3,626 |
| Net interest margin | 3.8658% | 2,172 |
| Noninterest income to average assets | 0.8667% | 1,242 |
| Noninterest expense to average assets | 3.2235% | 1,523 |
| Loan and lease loss provision to assets | 0.2941% | 444 |
| Net operating income to assets | 0.4990% | 4,695 |
| Return on assets (ROA) | 0.7176% | 4,050 |
| Pretax return on assets | 0.8784% | 3,915 |
| Return on Equity (ROE) | 4.7423% | 4,569 |
| Retained earnings to average equity (ytd only) | 4.7423% | 3,287 |
| Net charge-offs to loans | 0.0656% | 1,454 |
| Credit loss provision to net charge-offs | 1,250.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 1,088 |
| Efficiency ratio | 78.0627% | 1,351 |
| Assets per employee ($millions) | 2.2620% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 4,290 |
| Loan loss allowance to noncurrent loans | 222.6415% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 3,826 |
| Noncurrent loans to loans | 0.4189% | 3,281 |
| Net loans and leases to total assets | 36.1358% | 5,204 |
| Net loans and leases to deposits | 43.1683% | 5,182 |
| Net loans and leases to core deposits | 44.3626% | 5,201 |
| Total domestic deposits to total assets | 83.7091% | 3,429 |
| Equity capital to assets | 14.7003% | 734 |
| Core capital (leverage) ratio | 15.6369% | 542 |
| Tier 1 risk-based capital ratio | 24.6195% | 780 |
| Total risk-based capital ratio | 25.1665% | 828 |
| Memoranda: | ||
| Average total assets | $102,000,000 | 4,191 |
| Average earning assets | $86,088,500 | 4,344 |
| Average equity | $15,435,500 | 3,654 |
| Average total loans | $36,562,000 | 4,789 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1366% | 2,927 |
| Cost of funding earning assets | 0.3581% | 3,633 |
| Net interest margin | 3.7785% | 2,506 |
| Noninterest income to average assets | 0.9108% | 1,237 |
| Noninterest expense to average assets | 3.1087% | 1,834 |
| Loan and lease loss provision to assets | 0.0480% | 3,263 |
| Net operating income to assets | 0.5691% | 4,147 |
| Return on assets (ROA) | 0.6005% | 4,051 |
| Pretax return on assets | 1.0239% | 3,481 |
| Return on Equity (ROE) | 3.7913% | 4,564 |
| Retained earnings to average equity (ytd only) | 1.5481% | 4,380 |
| Net charge-offs to loans | 0.1237% | 1,814 |
| Credit loss provision to net charge-offs | 114.2857% | 2,292 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 1,761 |
| Efficiency ratio | 75.2422% | 1,727 |
| Assets per employee ($millions) | 2.1728% | 5,545 |
| Cash dividends to net income (ytd only)* | 59.1667% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 4,795 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,657 |
| Noncurrent loans to loans | 0.5544% | 2,838 |
| Net loans and leases to total assets | 34.9031% | 5,317 |
| Net loans and leases to deposits | 42.1693% | 5,293 |
| Net loans and leases to core deposits | 43.2671% | 5,315 |
| Total domestic deposits to total assets | 82.7690% | 3,639 |
| Equity capital to assets | 15.5831% | 574 |
| Core capital (leverage) ratio | 15.6132% | 523 |
| Tier 1 risk-based capital ratio | 25.3873% | 695 |
| Total risk-based capital ratio | 25.8468% | 741 |
| Memoranda: | ||
| Average total assets | $99,912,000 | 4,237 |
| Average earning assets | $85,166,800 | 4,374 |
| Average equity | $15,825,600 | 3,622 |
| Average total loans | $33,957,600 | 4,901 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 2,902 |
| Cost of funding earning assets | 0.3527% | 3,638 |
| Net interest margin | 3.7711% | 2,500 |
| Noninterest income to average assets | 0.9102% | 1,241 |
| Noninterest expense to average assets | 3.1136% | 1,762 |
| Loan and lease loss provision to assets | 0.0480% | 3,143 |
| Net operating income to assets | 0.7093% | 3,933 |
| Return on assets (ROA) | 0.7567% | 3,771 |
| Pretax return on assets | 1.0236% | 3,597 |
| Return on Equity (ROE) | 4.7581% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.7581% | 3,045 |
| Net charge-offs to loans | 0.1506% | 1,339 |
| Credit loss provision to net charge-offs | 94.7368% | 2,392 |
| Earnings coverage of net charge-offs (x) | 19.8666% | 1,980 |
| Efficiency ratio | 75.5505% | 1,655 |
| Assets per employee ($millions) | 2.1941% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 4,928 |
| Loan loss allowance to noncurrent loans | 133.8164% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 3,797 |
| Noncurrent loans to loans | 0.5867% | 2,940 |
| Net loans and leases to total assets | 34.6818% | 5,396 |
| Net loans and leases to deposits | 42.2147% | 5,358 |
| Net loans and leases to core deposits | 43.5471% | 5,375 |
| Total domestic deposits to total assets | 82.1558% | 3,725 |
| Equity capital to assets | 16.1024% | 523 |
| Core capital (leverage) ratio | 15.8639% | 511 |
| Tier 1 risk-based capital ratio | 26.0538% | 671 |
| Total risk-based capital ratio | 26.5029% | 714 |
| Memoranda: | ||
| Average total assets | $99,903,000 | 4,284 |
| Average earning assets | $85,066,250 | 4,415 |
| Average equity | $15,888,250 | 3,646 |
| Average total loans | $33,654,500 | 4,959 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 2,670 |
| Cost of funding earning assets | 0.3491% | 3,590 |
| Net interest margin | 3.8003% | 2,284 |
| Noninterest income to average assets | 0.8919% | 1,294 |
| Noninterest expense to average assets | 3.1518% | 1,697 |
| Loan and lease loss provision to assets | 0.0482% | 3,028 |
| Net operating income to assets | 0.6910% | 3,885 |
| Return on assets (ROA) | 0.7634% | 3,623 |
| Pretax return on assets | 1.0245% | 3,463 |
| Return on Equity (ROE) | 4.8202% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.8202% | 2,834 |
| Net charge-offs to loans | 0.0725% | 1,902 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,240 |
| Efficiency ratio | 76.3504% | 1,665 |
| Assets per employee ($millions) | 2.1953% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 4,759 |
| Loan loss allowance to noncurrent loans | 223.8462% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 4,183 |
| Noncurrent loans to loans | 0.3877% | 3,636 |
| Net loans and leases to total assets | 32.9128% | 5,477 |
| Net loans and leases to deposits | 39.9373% | 5,456 |
| Net loans and leases to core deposits | 41.1930% | 5,468 |
| Total domestic deposits to total assets | 82.4112% | 3,768 |
| Equity capital to assets | 15.9756% | 534 |
| Core capital (leverage) ratio | 15.6838% | 519 |
| Tier 1 risk-based capital ratio | 26.5026% | 639 |
| Total risk-based capital ratio | 26.9882% | 679 |
| Memoranda: | ||
| Average total assets | $99,561,000 | 4,316 |
| Average earning assets | $84,783,330 | 4,450 |
| Average equity | $15,767,000 | 3,670 |
| Average total loans | $33,112,330 | 5,005 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 2,755 |
| Cost of funding earning assets | 0.3520% | 3,506 |
| Net interest margin | 3.7215% | 2,412 |
| Noninterest income to average assets | 0.9267% | 1,174 |
| Noninterest expense to average assets | 2.9783% | 2,215 |
| Loan and lease loss provision to assets | 0.0486% | 2,840 |
| Net operating income to assets | 0.8185% | 3,134 |
| Return on assets (ROA) | 0.8215% | 3,171 |
| Pretax return on assets | 1.1128% | 2,929 |
| Return on Equity (ROE) | 5.2105% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.2105% | 2,781 |
| Net charge-offs to loans | 0.0973% | 1,392 |
| Credit loss provision to net charge-offs | 150.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 35.7500% | 1,113 |
| Efficiency ratio | 72.0157% | 2,571 |
| Assets per employee ($millions) | 2.3836% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 4,898 |
| Loan loss allowance to noncurrent loans | 114.5749% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 3,766 |
| Noncurrent loans to loans | 0.7514% | 2,609 |
| Net loans and leases to total assets | 32.5522% | 5,526 |
| Net loans and leases to deposits | 39.4342% | 5,490 |
| Net loans and leases to core deposits | 40.6821% | 5,501 |
| Total domestic deposits to total assets | 82.5482% | 3,991 |
| Equity capital to assets | 15.7637% | 528 |
| Core capital (leverage) ratio | 15.7942% | 488 |
| Tier 1 risk-based capital ratio | 26.4956% | 659 |
| Total risk-based capital ratio | 26.9730% | 690 |
| Memoranda: | ||
| Average total assets | $98,849,000 | 4,372 |
| Average earning assets | $85,233,500 | 4,491 |
| Average equity | $15,584,000 | 3,710 |
| Average total loans | $32,904,500 | 5,063 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 2,867 |
| Cost of funding earning assets | 0.3825% | 3,177 |
| Net interest margin | 3.7131% | 2,633 |
| Noninterest income to average assets | 0.8950% | 1,428 |
| Noninterest expense to average assets | 2.9277% | 2,573 |
| Loan and lease loss provision to assets | 0.0061% | 4,237 |
| Net operating income to assets | 0.9051% | 2,794 |
| Return on assets (ROA) | 0.9051% | 2,909 |
| Pretax return on assets | 1.1855% | 2,733 |
| Return on Equity (ROE) | 5.5540% | 4,183 |
| Retained earnings to average equity (ytd only) | 2.6056% | 4,039 |
| Net charge-offs to loans | 0.0428% | 3,180 |
| Credit loss provision to net charge-offs | 42.8571% | 3,466 |
| Earnings coverage of net charge-offs (x) | 83.7857% | 690 |
| Efficiency ratio | 71.0727% | 2,734 |
| Assets per employee ($millions) | 2.4397% | 5,685 |
| Cash dividends to net income (ytd only)* | 53.0864% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 4,965 |
| Loan loss allowance to noncurrent loans | 57.0552% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 3,187 |
| Noncurrent loans to loans | 1.4846% | 1,360 |
| Net loans and leases to total assets | 33.4662% | 5,562 |
| Net loans and leases to deposits | 40.5339% | 5,530 |
| Net loans and leases to core deposits | 41.4544% | 5,559 |
| Total domestic deposits to total assets | 82.5634% | 3,912 |
| Equity capital to assets | 15.7673% | 527 |
| Core capital (leverage) ratio | 15.7008% | 500 |
| Tier 1 risk-based capital ratio | 26.2945% | 671 |
| Total risk-based capital ratio | 26.7678% | 713 |
| Memoranda: | ||
| Average total assets | $98,437,600 | 4,375 |
| Average earning assets | $85,482,000 | 4,486 |
| Average equity | $16,042,600 | 3,686 |
| Average total loans | $32,748,200 | 5,105 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 2,815 |
| Cost of funding earning assets | 0.3899% | 3,129 |
| Net interest margin | 3.7262% | 2,612 |
| Noninterest income to average assets | 0.8853% | 1,458 |
| Noninterest expense to average assets | 2.9423% | 2,490 |
| Loan and lease loss provision to assets | 0.0081% | 4,068 |
| Net operating income to assets | 0.8650% | 3,074 |
| Return on assets (ROA) | 0.8650% | 3,202 |
| Pretax return on assets | 1.1637% | 2,988 |
| Return on Equity (ROE) | 5.2652% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.2652% | 2,652 |
| Net charge-offs to loans | 0.0652% | 2,409 |
| Credit loss provision to net charge-offs | 37.5000% | 3,172 |
| Earnings coverage of net charge-offs (x) | 54.1946% | 1,016 |
| Efficiency ratio | 71.5177% | 2,648 |
| Assets per employee ($millions) | 2.5022% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 5,100 |
| Loan loss allowance to noncurrent loans | 170.9877% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 4,727 |
| Noncurrent loans to loans | 0.4859% | 3,549 |
| Net loans and leases to total assets | 33.0326% | 5,655 |
| Net loans and leases to deposits | 40.4953% | 5,620 |
| Net loans and leases to core deposits | 41.5320% | 5,647 |
| Total domestic deposits to total assets | 81.5714% | 4,086 |
| Equity capital to assets | 16.6192% | 470 |
| Core capital (leverage) ratio | 15.5575% | 549 |
| Tier 1 risk-based capital ratio | 27.0471% | 639 |
| Total risk-based capital ratio | 27.5236% | 677 |
| Memoranda: | ||
| Average total assets | $98,650,000 | 4,401 |
| Average earning assets | $85,482,750 | 4,522 |
| Average equity | $16,206,500 | 3,698 |
| Average total loans | $32,700,750 | 5,160 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 2,776 |
| Cost of funding earning assets | 0.3935% | 3,112 |
| Net interest margin | 3.7277% | 2,588 |
| Noninterest income to average assets | 0.8923% | 1,395 |
| Noninterest expense to average assets | 2.9703% | 2,443 |
| Loan and lease loss provision to assets | 0.0020% | 3,994 |
| Net operating income to assets | 0.8373% | 3,144 |
| Return on assets (ROA) | 0.8373% | 3,282 |
| Pretax return on assets | 1.1429% | 3,020 |
| Return on Equity (ROE) | 5.1170% | 4,462 |
| Retained earnings to average equity (ytd only) | 5.1170% | 2,657 |
| Net charge-offs to loans | 0.0431% | 2,604 |
| Credit loss provision to net charge-offs | 14.2857% | 2,971 |
| Earnings coverage of net charge-offs (x) | 80.2857% | 703 |
| Efficiency ratio | 72.1782% | 2,621 |
| Assets per employee ($millions) | 2.5070% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 5,057 |
| Loan loss allowance to noncurrent loans | 98.9437% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 4,298 |
| Noncurrent loans to loans | 0.8788% | 2,537 |
| Net loans and leases to total assets | 31.9452% | 5,740 |
| Net loans and leases to deposits | 39.0387% | 5,720 |
| Net loans and leases to core deposits | 40.1092% | 5,741 |
| Total domestic deposits to total assets | 81.8295% | 4,043 |
| Equity capital to assets | 16.4672% | 488 |
| Core capital (leverage) ratio | 15.4150% | 538 |
| Tier 1 risk-based capital ratio | 27.5785% | 613 |
| Total risk-based capital ratio | 28.0787% | 647 |
| Memoranda: | ||
| Average total assets | $98,170,330 | 4,448 |
| Average earning assets | $84,877,330 | 4,568 |
| Average equity | $16,064,000 | 3,722 |
| Average total loans | $32,488,000 | 5,219 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 2,998 |
| Cost of funding earning assets | 0.3984% | 3,088 |
| Net interest margin | 3.6615% | 2,843 |
| Noninterest income to average assets | 0.8608% | 1,412 |
| Noninterest expense to average assets | 2.9284% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8238% | 3,130 |
| Return on assets (ROA) | 0.8238% | 3,254 |
| Pretax return on assets | 1.1121% | 3,044 |
| Return on Equity (ROE) | 5.0507% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.0507% | 2,907 |
| Net charge-offs to loans | 0.0123% | 2,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 270.0000% | 225 |
| Efficiency ratio | 72.4771% | 2,726 |
| Assets per employee ($millions) | 2.4291% | 5,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 5,115 |
| Loan loss allowance to noncurrent loans | 28.4577% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 2,105 |
| Noncurrent loans to loans | 3.0990% | 513 |
| Net loans and leases to total assets | 33.0822% | 5,747 |
| Net loans and leases to deposits | 40.4531% | 5,698 |
| Net loans and leases to core deposits | 41.5990% | 5,728 |
| Total domestic deposits to total assets | 81.7793% | 4,289 |
| Equity capital to assets | 16.5164% | 474 |
| Core capital (leverage) ratio | 15.7647% | 503 |
| Tier 1 risk-based capital ratio | 27.5078% | 640 |
| Total risk-based capital ratio | 28.0225% | 676 |
| Memoranda: | ||
| Average total assets | $97,116,500 | 4,507 |
| Average earning assets | $84,338,000 | 4,610 |
| Average equity | $15,839,500 | 3,753 |
| Average total loans | $32,574,500 | 5,253 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 2,608 |
| Cost of funding earning assets | 0.4843% | 2,315 |
| Net interest margin | 3.7000% | 2,748 |
| Noninterest income to average assets | 0.8966% | 1,451 |
| Noninterest expense to average assets | 3.0076% | 2,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8293% | 3,199 |
| Return on assets (ROA) | 0.8293% | 3,273 |
| Pretax return on assets | 1.0923% | 3,098 |
| Return on Equity (ROE) | 5.1212% | 4,451 |
| Retained earnings to average equity (ytd only) | 2.6021% | 4,224 |
| Net charge-offs to loans | 0.0858% | 2,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 36.3793% | 1,268 |
| Efficiency ratio | 73.3586% | 2,680 |
| Assets per employee ($millions) | 2.4267% | 5,926 |
| Cash dividends to net income (ytd only)* | 49.1885% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 5,174 |
| Loan loss allowance to noncurrent loans | 203.5461% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 4,959 |
| Noncurrent loans to loans | 0.4309% | 3,918 |
| Net loans and leases to total assets | 33.4113% | 5,793 |
| Net loans and leases to deposits | 40.6065% | 5,756 |
| Net loans and leases to core deposits | 41.6126% | 5,772 |
| Total domestic deposits to total assets | 82.2806% | 4,087 |
| Equity capital to assets | 16.1030% | 509 |
| Core capital (leverage) ratio | 15.4367% | 546 |
| Tier 1 risk-based capital ratio | 27.3241% | 640 |
| Total risk-based capital ratio | 27.8440% | 675 |
| Memoranda: | ||
| Average total assets | $96,588,200 | 4,526 |
| Average earning assets | $83,622,000 | 4,642 |
| Average equity | $15,641,000 | 3,743 |
| Average total loans | $33,784,000 | 5,235 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,528 |
| Cost of funding earning assets | 0.4945% | 2,270 |
| Net interest margin | 3.7192% | 2,678 |
| Noninterest income to average assets | 0.8984% | 1,456 |
| Noninterest expense to average assets | 3.0434% | 2,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8168% | 3,347 |
| Return on assets (ROA) | 0.8168% | 3,432 |
| Pretax return on assets | 1.0670% | 3,342 |
| Return on Equity (ROE) | 5.0371% | 4,610 |
| Retained earnings to average equity (ytd only) | 5.0371% | 2,890 |
| Net charge-offs to loans | 0.0744% | 2,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 40.6360% | 1,228 |
| Efficiency ratio | 74.0417% | 2,547 |
| Assets per employee ($millions) | 2.4255% | 5,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 5,277 |
| Loan loss allowance to noncurrent loans | 390.7895% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 5,364 |
| Noncurrent loans to loans | 0.2247% | 4,759 |
| Net loans and leases to total assets | 34.5609% | 5,838 |
| Net loans and leases to deposits | 42.3093% | 5,794 |
| Net loans and leases to core deposits | 44.2239% | 5,787 |
| Total domestic deposits to total assets | 81.6863% | 4,261 |
| Equity capital to assets | 16.5224% | 485 |
| Core capital (leverage) ratio | 15.6314% | 542 |
| Tier 1 risk-based capital ratio | 27.6669% | 641 |
| Total risk-based capital ratio | 28.2051% | 669 |
| Memoranda: | ||
| Average total assets | $96,468,000 | 4,578 |
| Average earning assets | $83,313,500 | 4,709 |
| Average equity | $15,643,500 | 3,772 |
| Average total loans | $34,050,250 | 5,281 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,449 |
| Cost of funding earning assets | 0.5072% | 2,187 |
| Net interest margin | 3.7185% | 2,630 |
| Noninterest income to average assets | 0.8849% | 1,487 |
| Noninterest expense to average assets | 3.0929% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7769% | 3,503 |
| Return on assets (ROA) | 0.7769% | 3,607 |
| Pretax return on assets | 1.0054% | 3,569 |
| Return on Equity (ROE) | 4.8212% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.8212% | 2,975 |
| Net charge-offs to loans | 0.0703% | 2,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 1,123 |
| Efficiency ratio | 75.4688% | 2,457 |
| Assets per employee ($millions) | 2.2856% | 6,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 5,243 |
| Loan loss allowance to noncurrent loans | 206.8027% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 5,193 |
| Noncurrent loans to loans | 0.4424% | 4,154 |
| Net loans and leases to total assets | 34.2959% | 5,893 |
| Net loans and leases to deposits | 42.0659% | 5,833 |
| Net loans and leases to core deposits | 42.9752% | 5,866 |
| Total domestic deposits to total assets | 81.5291% | 4,440 |
| Equity capital to assets | 16.2021% | 501 |
| Core capital (leverage) ratio | 15.4292% | 551 |
| Tier 1 risk-based capital ratio | 27.6145% | 671 |
| Total risk-based capital ratio | 28.1722% | 699 |
| Memoranda: | ||
| Average total assets | $96,284,000 | 4,628 |
| Average earning assets | $83,206,330 | 4,755 |
| Average equity | $15,514,670 | 3,811 |
| Average total loans | $34,124,330 | 5,321 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 2,599 |
| Cost of funding earning assets | 0.5178% | 2,130 |
| Net interest margin | 3.6436% | 2,843 |
| Noninterest income to average assets | 0.9043% | 1,372 |
| Noninterest expense to average assets | 3.0240% | 2,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7923% | 3,307 |
| Return on assets (ROA) | 0.7923% | 3,437 |
| Pretax return on assets | 1.0329% | 3,368 |
| Return on Equity (ROE) | 4.9305% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.9305% | 3,092 |
| Net charge-offs to loans | -0.0578% | 5,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5399% | 2,727 |
| Assets per employee ($millions) | 2.2966% | 6,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 5,292 |
| Loan loss allowance to noncurrent loans | 3,210.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 5,827 |
| Noncurrent loans to loans | 0.0293% | 5,683 |
| Net loans and leases to total assets | 35.0591% | 5,871 |
| Net loans and leases to deposits | 43.0790% | 5,795 |
| Net loans and leases to core deposits | 44.0073% | 5,842 |
| Total domestic deposits to total assets | 81.3834% | 4,707 |
| Equity capital to assets | 16.2985% | 508 |
| Core capital (leverage) ratio | 15.0091% | 610 |
| Tier 1 risk-based capital ratio | 27.7145% | 667 |
| Total risk-based capital ratio | 28.3281% | 689 |
| Memoranda: | ||
| Average total assets | $96,429,000 | 4,658 |
| Average earning assets | $83,433,500 | 4,787 |
| Average equity | $15,495,500 | 3,830 |
| Average total loans | $34,573,500 | 5,343 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 2,584 |
| Cost of funding earning assets | 0.5485% | 2,214 |
| Net interest margin | 3.7583% | 2,777 |
| Noninterest income to average assets | 0.9155% | 1,456 |
| Noninterest expense to average assets | 3.1491% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7567% | 3,592 |
| Return on assets (ROA) | 0.8422% | 3,254 |
| Pretax return on assets | 1.1278% | 2,976 |
| Return on Equity (ROE) | 5.3733% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.7434% | 4,288 |
| Net charge-offs to loans | 0.0520% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 53.8333% | 871 |
| Efficiency ratio | 75.6471% | 2,567 |
| Assets per employee ($millions) | 2.2419% | 6,294 |
| Cash dividends to net income (ytd only)* | 48.9441% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 5,470 |
| Loan loss allowance to noncurrent loans | 63.4538% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 4,017 |
| Noncurrent loans to loans | 1.4225% | 2,068 |
| Net loans and leases to total assets | 35.9882% | 5,955 |
| Net loans and leases to deposits | 43.9285% | 5,879 |
| Net loans and leases to core deposits | 44.1533% | 5,951 |
| Total domestic deposits to total assets | 81.9245% | 4,447 |
| Equity capital to assets | 15.8401% | 560 |
| Core capital (leverage) ratio | 15.0905% | 592 |
| Tier 1 risk-based capital ratio | 26.5033% | 721 |
| Total risk-based capital ratio | 27.0739% | 759 |
| Memoranda: | ||
| Average total assets | $95,581,400 | 4,701 |
| Average earning assets | $82,591,600 | 4,834 |
| Average equity | $14,981,600 | 3,840 |
| Average total loans | $34,620,400 | 5,379 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 2,566 |
| Cost of funding earning assets | 0.5550% | 2,239 |
| Net interest margin | 3.7591% | 2,777 |
| Noninterest income to average assets | 0.9115% | 1,490 |
| Noninterest expense to average assets | 3.1803% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7481% | 3,677 |
| Return on assets (ROA) | 0.8639% | 3,199 |
| Pretax return on assets | 1.1309% | 3,066 |
| Return on Equity (ROE) | 5.5265% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.5265% | 2,725 |
| Net charge-offs to loans | 0.0386% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 70.0158% | 780 |
| Efficiency ratio | 76.4706% | 2,419 |
| Assets per employee ($millions) | 2.2403% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 5,507 |
| Loan loss allowance to noncurrent loans | 114.4876% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 5,092 |
| Noncurrent loans to loans | 0.8109% | 3,552 |
| Net loans and leases to total assets | 35.8914% | 6,033 |
| Net loans and leases to deposits | 43.9395% | 5,975 |
| Net loans and leases to core deposits | 44.1651% | 6,034 |
| Total domestic deposits to total assets | 81.6837% | 4,591 |
| Equity capital to assets | 15.9298% | 576 |
| Core capital (leverage) ratio | 15.2380% | 585 |
| Tier 1 risk-based capital ratio | 26.8519% | 719 |
| Total risk-based capital ratio | 27.4364% | 750 |
| Memoranda: | ||
| Average total assets | $95,376,500 | 4,754 |
| Average earning assets | $82,394,750 | 4,894 |
| Average equity | $14,909,500 | 3,872 |
| Average total loans | $34,523,250 | 5,430 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 2,352 |
| Cost of funding earning assets | 0.5590% | 2,270 |
| Net interest margin | 3.7984% | 2,580 |
| Noninterest income to average assets | 0.9194% | 1,429 |
| Noninterest expense to average assets | 3.0613% | 2,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8837% | 2,891 |
| Return on assets (ROA) | 0.8837% | 2,980 |
| Pretax return on assets | 1.1320% | 2,962 |
| Return on Equity (ROE) | 5.6895% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.6895% | 2,518 |
| Net charge-offs to loans | 0.0233% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 134.5000% | 448 |
| Efficiency ratio | 73.0055% | 3,162 |
| Assets per employee ($millions) | 2.2315% | 6,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 5,517 |
| Loan loss allowance to noncurrent loans | 151.3761% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 5,351 |
| Noncurrent loans to loans | 0.6352% | 4,122 |
| Net loans and leases to total assets | 35.4236% | 6,079 |
| Net loans and leases to deposits | 43.3817% | 6,009 |
| Net loans and leases to core deposits | 43.6043% | 6,082 |
| Total domestic deposits to total assets | 81.6556% | 4,764 |
| Equity capital to assets | 16.0610% | 541 |
| Core capital (leverage) ratio | 15.1811% | 576 |
| Tier 1 risk-based capital ratio | 26.4841% | 735 |
| Total risk-based capital ratio | 27.0791% | 774 |
| Memoranda: | ||
| Average total assets | $95,057,000 | 4,794 |
| Average earning assets | $81,929,000 | 4,938 |
| Average equity | $14,764,000 | 3,899 |
| Average total loans | $34,397,670 | 5,474 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 2,565 |
| Cost of funding earning assets | 0.5594% | 2,349 |
| Net interest margin | 3.7292% | 2,747 |
| Noninterest income to average assets | 0.8836% | 1,444 |
| Noninterest expense to average assets | 3.0145% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8498% | 2,899 |
| Return on assets (ROA) | 0.8498% | 2,971 |
| Pretax return on assets | 1.0823% | 2,989 |
| Return on Equity (ROE) | 5.5677% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.5677% | 2,759 |
| Net charge-offs to loans | 0.0581% | 2,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 51.2000% | 742 |
| Efficiency ratio | 73.5810% | 3,217 |
| Assets per employee ($millions) | 2.2175% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 5,713 |
| Loan loss allowance to noncurrent loans | 369.6629% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 5,824 |
| Noncurrent loans to loans | 0.2562% | 5,338 |
| Net loans and leases to total assets | 36.0912% | 6,067 |
| Net loans and leases to deposits | 43.8842% | 5,981 |
| Net loans and leases to core deposits | 44.1092% | 6,073 |
| Total domestic deposits to total assets | 82.2418% | 4,876 |
| Equity capital to assets | 15.4195% | 610 |
| Core capital (leverage) ratio | 15.1409% | 582 |
| Tier 1 risk-based capital ratio | 25.8561% | 799 |
| Total risk-based capital ratio | 26.4441% | 850 |
| Memoranda: | ||
| Average total assets | $94,609,000 | 4,853 |
| Average earning assets | $81,518,500 | 4,989 |
| Average equity | $14,440,500 | 3,961 |
| Average total loans | $34,436,500 | 5,524 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 2,878 |
| Cost of funding earning assets | 0.6288% | 2,398 |
| Net interest margin | 3.6919% | 3,087 |
| Noninterest income to average assets | 1.0580% | 1,259 |
| Noninterest expense to average assets | 2.9247% | 3,296 |
| Loan and lease loss provision to assets | 0.1194% | 2,821 |
| Net operating income to assets | 0.9993% | 2,322 |
| Return on assets (ROA) | 0.9993% | 2,390 |
| Pretax return on assets | 1.2057% | 2,555 |
| Return on Equity (ROE) | 6.5098% | 3,827 |
| Retained earnings to average equity (ytd only) | 3.8213% | 3,485 |
| Net charge-offs to loans | 0.0668% | 4,279 |
| Credit loss provision to net charge-offs | 495.6522% | 470 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 740 |
| Efficiency ratio | 68.8193% | 4,047 |
| Assets per employee ($millions) | 2.1829% | 6,571 |
| Cash dividends to net income (ytd only)* | 41.2998% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 5,666 |
| Loan loss allowance to noncurrent loans | 193.0636% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 5,579 |
| Noncurrent loans to loans | 0.5069% | 4,728 |
| Net loans and leases to total assets | 36.0049% | 6,202 |
| Net loans and leases to deposits | 43.6061% | 6,140 |
| Net loans and leases to core deposits | 43.9972% | 6,224 |
| Total domestic deposits to total assets | 82.5686% | 4,693 |
| Equity capital to assets | 15.1047% | 657 |
| Core capital (leverage) ratio | 14.9360% | 610 |
| Tier 1 risk-based capital ratio | 26.2518% | 754 |
| Total risk-based capital ratio | 26.8664% | 790 |
| Memoranda: | ||
| Average total assets | $95,464,000 | 4,851 |
| Average earning assets | $82,532,000 | 4,966 |
| Average equity | $14,654,800 | 3,932 |
| Average total loans | $34,414,400 | 5,564 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,872 |
| Cost of funding earning assets | 0.6387% | 2,467 |
| Net interest margin | 3.6907% | 3,062 |
| Noninterest income to average assets | 1.1266% | 1,153 |
| Noninterest expense to average assets | 2.9583% | 3,114 |
| Loan and lease loss provision to assets | 0.1586% | 2,280 |
| Net operating income to assets | 1.0083% | 2,344 |
| Return on assets (ROA) | 1.0083% | 2,428 |
| Pretax return on assets | 1.2003% | 2,693 |
| Return on Equity (ROE) | 6.5428% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.5428% | 2,111 |
| Net charge-offs to loans | 0.0657% | 3,979 |
| Credit loss provision to net charge-offs | 670.5882% | 432 |
| Earnings coverage of net charge-offs (x) | 57.4605% | 780 |
| Efficiency ratio | 68.5245% | 3,989 |
| Assets per employee ($millions) | 2.2157% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 5,764 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 5,918 |
| Noncurrent loans to loans | 0.3496% | 5,334 |
| Net loans and leases to total assets | 35.6666% | 6,293 |
| Net loans and leases to deposits | 43.4151% | 6,242 |
| Net loans and leases to core deposits | 44.0060% | 6,302 |
| Total domestic deposits to total assets | 82.1525% | 4,870 |
| Equity capital to assets | 15.3841% | 642 |
| Core capital (leverage) ratio | 15.1572% | 617 |
| Tier 1 risk-based capital ratio | 26.4319% | 752 |
| Total risk-based capital ratio | 27.0546% | 791 |
| Memoranda: | ||
| Average total assets | $95,863,750 | 4,886 |
| Average earning assets | $82,874,000 | 5,000 |
| Average equity | $14,774,000 | 3,959 |
| Average total loans | $34,485,500 | 5,610 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 3,109 |
| Cost of funding earning assets | 0.6501% | 2,493 |
| Net interest margin | 3.6125% | 3,310 |
| Noninterest income to average assets | 1.1285% | 1,193 |
| Noninterest expense to average assets | 2.9648% | 3,105 |
| Loan and lease loss provision to assets | 0.1915% | 1,977 |
| Net operating income to assets | 0.9307% | 2,661 |
| Return on assets (ROA) | 0.9307% | 2,796 |
| Pretax return on assets | 1.1076% | 3,066 |
| Return on Equity (ROE) | 6.0352% | 4,154 |
| Retained earnings to average equity (ytd only) | 6.0352% | 2,418 |
| Net charge-offs to loans | 0.0521% | 3,944 |
| Credit loss provision to net charge-offs | 1,022.2222% | 293 |
| Earnings coverage of net charge-offs (x) | 69.3333% | 642 |
| Efficiency ratio | 69.5313% | 3,921 |
| Assets per employee ($millions) | 2.2001% | 6,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 6,025 |
| Loan loss allowance to noncurrent loans | 501.5385% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 6,129 |
| Noncurrent loans to loans | 0.1875% | 5,848 |
| Net loans and leases to total assets | 36.3008% | 6,281 |
| Net loans and leases to deposits | 44.1062% | 6,222 |
| Net loans and leases to core deposits | 45.0606% | 6,281 |
| Total domestic deposits to total assets | 82.3031% | 4,946 |
| Equity capital to assets | 15.2848% | 658 |
| Core capital (leverage) ratio | 14.6992% | 667 |
| Tier 1 risk-based capital ratio | 25.8762% | 787 |
| Total risk-based capital ratio | 26.4723% | 835 |
| Memoranda: | ||
| Average total assets | $96,060,330 | 4,911 |
| Average earning assets | $83,377,000 | 5,020 |
| Average equity | $14,813,000 | 3,982 |
| Average total loans | $34,540,330 | 5,638 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 3,474 |
| Cost of funding earning assets | 0.6631% | 2,541 |
| Net interest margin | 3.4965% | 3,715 |
| Noninterest income to average assets | 0.8307% | 1,996 |
| Noninterest expense to average assets | 2.8392% | 3,576 |
| Loan and lease loss provision to assets | 0.0703% | 3,456 |
| Net operating income to assets | 0.8265% | 3,016 |
| Return on assets (ROA) | 0.8265% | 3,158 |
| Pretax return on assets | 0.9505% | 3,562 |
| Return on Equity (ROE) | 5.3371% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.3371% | 3,036 |
| Net charge-offs to loans | 0.0464% | 3,381 |
| Credit loss provision to net charge-offs | 425.0000% | 611 |
| Earnings coverage of net charge-offs (x) | 61.7500% | 582 |
| Efficiency ratio | 73.5546% | 3,340 |
| Assets per employee ($millions) | 2.2874% | 6,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7390% | 6,537 |
| Loan loss allowance to noncurrent loans | 341.3333% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 5,417 |
| Noncurrent loans to loans | 0.2165% | 5,869 |
| Net loans and leases to total assets | 35.7909% | 6,311 |
| Net loans and leases to deposits | 43.6628% | 6,224 |
| Net loans and leases to core deposits | 44.0256% | 6,314 |
| Total domestic deposits to total assets | 81.9713% | 5,199 |
| Equity capital to assets | 15.6939% | 606 |
| Core capital (leverage) ratio | 14.3294% | 710 |
| Tier 1 risk-based capital ratio | 25.5343% | 833 |
| Total risk-based capital ratio | 26.0044% | 909 |
| Memoranda: | ||
| Average total assets | $96,788,500 | 4,933 |
| Average earning assets | $83,854,500 | 5,048 |
| Average equity | $14,989,500 | 3,999 |
| Average total loans | $34,476,500 | 5,688 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 3,384 |
| Cost of funding earning assets | 0.8566% | 2,251 |
| Net interest margin | 3.6450% | 3,903 |
| Noninterest income to average assets | 0.8859% | 1,913 |
| Noninterest expense to average assets | 2.9576% | 3,440 |
| Loan and lease loss provision to assets | 0.0357% | 5,443 |
| Net operating income to assets | 0.8406% | 3,089 |
| Return on assets (ROA) | 0.9246% | 2,924 |
| Pretax return on assets | 1.1063% | 3,137 |
| Return on Equity (ROE) | 6.1660% | 4,077 |
| Retained earnings to average equity (ytd only) | 1.8784% | 4,896 |
| Net charge-offs to loans | 0.2913% | 3,194 |
| Credit loss provision to net charge-offs | 34.6535% | 5,029 |
| Earnings coverage of net charge-offs (x) | 10.1089% | 2,181 |
| Efficiency ratio | 73.9474% | 3,080 |
| Assets per employee ($millions) | 2.3216% | 6,762 |
| Cash dividends to net income (ytd only)* | 69.5364% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7082% | 6,625 |
| Loan loss allowance to noncurrent loans | 540.0000% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 5,631 |
| Noncurrent loans to loans | 0.1311% | 6,156 |
| Net loans and leases to total assets | 34.9407% | 6,495 |
| Net loans and leases to deposits | 42.3709% | 6,449 |
| Net loans and leases to core deposits | 42.7156% | 6,516 |
| Total domestic deposits to total assets | 82.4640% | 4,943 |
| Equity capital to assets | 15.2828% | 683 |
| Core capital (leverage) ratio | 13.8865% | 833 |
| Tier 1 risk-based capital ratio | 25.0576% | 846 |
| Total risk-based capital ratio | 25.5018% | 924 |
| Memoranda: | ||
| Average total assets | $97,983,200 | 4,888 |
| Average earning assets | $83,704,800 | 5,023 |
| Average equity | $14,693,400 | 4,027 |
| Average total loans | $34,672,000 | 5,729 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 3,316 |
| Cost of funding earning assets | 0.8866% | 2,257 |
| Net interest margin | 3.6872% | 3,849 |
| Noninterest income to average assets | 0.8467% | 2,050 |
| Noninterest expense to average assets | 2.9479% | 3,415 |
| Loan and lease loss provision to assets | 0.0272% | 5,442 |
| Net operating income to assets | 0.8410% | 3,256 |
| Return on assets (ROA) | 0.9459% | 2,990 |
| Pretax return on assets | 1.1348% | 3,207 |
| Return on Equity (ROE) | 6.3381% | 4,150 |
| Retained earnings to average equity (ytd only) | 3.4696% | 4,425 |
| Net charge-offs to loans | 0.0729% | 4,681 |
| Credit loss provision to net charge-offs | 105.2632% | 2,788 |
| Earnings coverage of net charge-offs (x) | 40.1094% | 881 |
| Efficiency ratio | 74.0020% | 2,982 |
| Assets per employee ($millions) | 2.2693% | 6,879 |
| Cash dividends to net income (ytd only)* | 45.2585% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 6,342 |
| Loan loss allowance to noncurrent loans | 75.9804% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 5,503 |
| Noncurrent loans to loans | 1.2043% | 4,042 |
| Net loans and leases to total assets | 34.4005% | 6,639 |
| Net loans and leases to deposits | 41.8825% | 6,600 |
| Net loans and leases to core deposits | 42.8442% | 6,637 |
| Total domestic deposits to total assets | 82.1357% | 4,968 |
| Equity capital to assets | 15.4929% | 704 |
| Core capital (leverage) ratio | 13.9147% | 863 |
| Tier 1 risk-based capital ratio | 25.6086% | 859 |
| Total risk-based capital ratio | 26.1835% | 904 |
| Memoranda: | ||
| Average total assets | $98,102,000 | 4,928 |
| Average earning assets | $83,458,000 | 5,089 |
| Average equity | $14,641,250 | 4,070 |
| Average total loans | $34,761,750 | 5,805 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7047% | 2,897 |
| Cost of funding earning assets | 0.9226% | 2,241 |
| Net interest margin | 3.7821% | 3,444 |
| Noninterest income to average assets | 0.8344% | 2,028 |
| Noninterest expense to average assets | 2.9916% | 3,283 |
| Loan and lease loss provision to assets | 0.0407% | 5,162 |
| Net operating income to assets | 0.8238% | 3,282 |
| Return on assets (ROA) | 0.9809% | 2,782 |
| Pretax return on assets | 1.1865% | 2,988 |
| Return on Equity (ROE) | 6.6564% | 3,960 |
| Retained earnings to average equity (ytd only) | 2.3063% | 5,039 |
| Net charge-offs to loans | 0.0456% | 4,750 |
| Credit loss provision to net charge-offs | 250.0000% | 1,149 |
| Earnings coverage of net charge-offs (x) | 63.7500% | 606 |
| Efficiency ratio | 74.2424% | 3,038 |
| Assets per employee ($millions) | 2.3623% | 6,854 |
| Cash dividends to net income (ytd only)* | 65.3527% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 6,376 |
| Loan loss allowance to noncurrent loans | 51.3600% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 5,081 |
| Noncurrent loans to loans | 1.8148% | 3,194 |
| Net loans and leases to total assets | 34.3876% | 6,709 |
| Net loans and leases to deposits | 41.5415% | 6,676 |
| Net loans and leases to core deposits | 42.0774% | 6,730 |
| Total domestic deposits to total assets | 82.7790% | 4,835 |
| Equity capital to assets | 14.9119% | 812 |
| Core capital (leverage) ratio | 13.7230% | 893 |
| Tier 1 risk-based capital ratio | 24.6470% | 936 |
| Total risk-based capital ratio | 25.2289% | 995 |
| Memoranda: | ||
| Average total assets | $98,276,000 | 4,945 |
| Average earning assets | $83,023,670 | 5,124 |
| Average equity | $14,482,330 | 4,096 |
| Average total loans | $35,056,330 | 5,830 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7255% | 2,952 |
| Cost of funding earning assets | 0.9624% | 2,215 |
| Net interest margin | 3.7631% | 3,548 |
| Noninterest income to average assets | 0.8302% | 2,033 |
| Noninterest expense to average assets | 2.8955% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9529% | 2,675 |
| Return on assets (ROA) | 0.9529% | 2,882 |
| Pretax return on assets | 1.1329% | 3,187 |
| Return on Equity (ROE) | 6.5057% | 4,038 |
| Retained earnings to average equity (ytd only) | -2.2895% | 6,318 |
| Net charge-offs to loans | 0.0566% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 55.4000% | 586 |
| Efficiency ratio | 71.8782% | 3,467 |
| Assets per employee ($millions) | 2.4619% | 6,879 |
| Cash dividends to net income (ytd only)* | 135.1931% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8582% | 6,624 |
| Loan loss allowance to noncurrent loans | 214.0845% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 6,140 |
| Noncurrent loans to loans | 0.4009% | 5,871 |
| Net loans and leases to total assets | 35.6601% | 6,643 |
| Net loans and leases to deposits | 42.9146% | 6,616 |
| Net loans and leases to core deposits | 43.7410% | 6,664 |
| Total domestic deposits to total assets | 83.0955% | 4,888 |
| Equity capital to assets | 14.5587% | 850 |
| Core capital (leverage) ratio | 13.5390% | 934 |
| Tier 1 risk-based capital ratio | 23.6454% | 1,051 |
| Total risk-based capital ratio | 24.1839% | 1,126 |
| Memoranda: | ||
| Average total assets | $97,806,000 | 4,990 |
| Average earning assets | $83,124,000 | 5,171 |
| Average equity | $14,326,000 | 4,131 |
| Average total loans | $35,365,000 | 5,853 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1149% | 2,391 |
| Cost of funding earning assets | 1.0898% | 2,739 |
| Net interest margin | 4.0251% | 2,760 |
| Noninterest income to average assets | 0.8868% | 1,720 |
| Noninterest expense to average assets | 3.0449% | 3,419 |
| Loan and lease loss provision to assets | 0.0867% | 5,512 |
| Net operating income to assets | 0.9614% | 2,352 |
| Return on assets (ROA) | 1.0602% | 2,105 |
| Pretax return on assets | 1.2733% | 2,225 |
| Return on Equity (ROE) | 7.4848% | 3,157 |
| Retained earnings to average equity (ytd only) | 3.1119% | 4,016 |
| Net charge-offs to loans | 0.1925% | 4,599 |
| Credit loss provision to net charge-offs | 122.0588% | 2,594 |
| Earnings coverage of net charge-offs (x) | 17.4706% | 1,272 |
| Efficiency ratio | 71.0456% | 3,774 |
| Assets per employee ($millions) | 2.4284% | 6,896 |
| Cash dividends to net income (ytd only)* | 58.4236% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 6,593 |
| Loan loss allowance to noncurrent loans | 401.2987% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 6,172 |
| Noncurrent loans to loans | 0.2181% | 6,304 |
| Net loans and leases to total assets | 36.0323% | 6,769 |
| Net loans and leases to deposits | 43.4448% | 6,744 |
| Net loans and leases to core deposits | 44.6907% | 6,786 |
| Total domestic deposits to total assets | 82.9382% | 4,773 |
| Equity capital to assets | 14.7372% | 836 |
| Core capital (leverage) ratio | 13.7748% | 878 |
| Tier 1 risk-based capital ratio | 23.9305% | 972 |
| Total risk-based capital ratio | 24.4811% | 1,053 |
| Memoranda: | ||
| Average total assets | $95,735,000 | 5,023 |
| Average earning assets | $80,842,000 | 5,201 |
| Average equity | $13,560,800 | 4,226 |
| Average total loans | $35,317,000 | 5,897 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1949% | 2,226 |
| Cost of funding earning assets | 1.1122% | 2,891 |
| Net interest margin | 4.0827% | 2,537 |
| Noninterest income to average assets | 0.8610% | 1,797 |
| Noninterest expense to average assets | 3.0472% | 3,367 |
| Loan and lease loss provision to assets | 0.1160% | 4,984 |
| Net operating income to assets | 0.9455% | 2,549 |
| Return on assets (ROA) | 1.0777% | 2,196 |
| Pretax return on assets | 1.3000% | 2,287 |
| Return on Equity (ROE) | 7.6873% | 3,183 |
| Retained earnings to average equity (ytd only) | 1.7748% | 5,255 |
| Net charge-offs to loans | 0.1472% | 4,595 |
| Credit loss provision to net charge-offs | 212.8205% | 1,361 |
| Earnings coverage of net charge-offs (x) | 23.0508% | 1,130 |
| Efficiency ratio | 70.8022% | 3,785 |
| Assets per employee ($millions) | 2.4066% | 6,980 |
| Cash dividends to net income (ytd only)* | 76.9137% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 6,423 |
| Loan loss allowance to noncurrent loans | 719.1489% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 6,323 |
| Noncurrent loans to loans | 0.1335% | 6,604 |
| Net loans and leases to total assets | 36.2316% | 6,857 |
| Net loans and leases to deposits | 43.7320% | 6,846 |
| Net loans and leases to core deposits | 44.7682% | 6,894 |
| Total domestic deposits to total assets | 82.8492% | 4,741 |
| Equity capital to assets | 14.6773% | 938 |
| Core capital (leverage) ratio | 13.6457% | 998 |
| Tier 1 risk-based capital ratio | 23.1346% | 1,133 |
| Total risk-based capital ratio | 23.7276% | 1,195 |
| Memoranda: | ||
| Average total assets | $95,385,000 | 5,065 |
| Average earning assets | $80,435,250 | 5,261 |
| Average equity | $13,372,250 | 4,276 |
| Average total loans | $35,319,000 | 5,956 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1822% | 2,336 |
| Cost of funding earning assets | 1.1207% | 3,094 |
| Net interest margin | 4.0615% | 2,565 |
| Noninterest income to average assets | 0.8392% | 1,842 |
| Noninterest expense to average assets | 3.1044% | 3,237 |
| Loan and lease loss provision to assets | 0.1746% | 4,178 |
| Net operating income to assets | 0.8423% | 2,893 |
| Return on assets (ROA) | 1.0243% | 2,223 |
| Pretax return on assets | 1.2220% | 2,397 |
| Return on Equity (ROE) | 7.4238% | 3,231 |
| Retained earnings to average equity (ytd only) | -1.6159% | 6,179 |
| Net charge-offs to loans | 0.2093% | 3,893 |
| Credit loss provision to net charge-offs | 224.3243% | 1,337 |
| Earnings coverage of net charge-offs (x) | 15.1622% | 1,422 |
| Efficiency ratio | 72.4595% | 3,641 |
| Assets per employee ($millions) | 2.4246% | 6,997 |
| Cash dividends to net income (ytd only)* | 121.7659% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 6,455 |
| Loan loss allowance to noncurrent loans | 346.9388% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 6,269 |
| Noncurrent loans to loans | 0.2792% | 6,364 |
| Net loans and leases to total assets | 35.8457% | 6,969 |
| Net loans and leases to deposits | 42.8067% | 6,965 |
| Net loans and leases to core deposits | 43.9385% | 7,005 |
| Total domestic deposits to total assets | 83.7387% | 4,454 |
| Equity capital to assets | 13.9021% | 1,133 |
| Core capital (leverage) ratio | 13.3013% | 1,060 |
| Tier 1 risk-based capital ratio | 22.3508% | 1,204 |
| Total risk-based capital ratio | 22.9398% | 1,273 |
| Memoranda: | ||
| Average total assets | $95,092,000 | 5,104 |
| Average earning assets | $80,660,330 | 5,301 |
| Average equity | $13,120,000 | 4,314 |
| Average total loans | $35,353,330 | 6,002 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1364% | 2,488 |
| Cost of funding earning assets | 1.1370% | 3,250 |
| Net interest margin | 3.9994% | 2,679 |
| Noninterest income to average assets | 0.8328% | 1,915 |
| Noninterest expense to average assets | 3.1483% | 3,074 |
| Loan and lease loss provision to assets | 0.0637% | 5,194 |
| Net operating income to assets | 0.9018% | 2,557 |
| Return on assets (ROA) | 0.9092% | 2,575 |
| Pretax return on assets | 1.0367% | 2,995 |
| Return on Equity (ROE) | 6.6159% | 3,569 |
| Retained earnings to average equity (ytd only) | -1.5149% | 6,076 |
| Net charge-offs to loans | 0.0902% | 4,042 |
| Credit loss provision to net charge-offs | 187.5000% | 1,564 |
| Earnings coverage of net charge-offs (x) | 32.1250% | 796 |
| Efficiency ratio | 74.2485% | 3,471 |
| Assets per employee ($millions) | 2.3967% | 7,106 |
| Cash dividends to net income (ytd only)* | 122.8972% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 6,796 |
| Loan loss allowance to noncurrent loans | 219.7080% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 5,892 |
| Noncurrent loans to loans | 0.3932% | 6,210 |
| Net loans and leases to total assets | 36.0347% | 6,998 |
| Net loans and leases to deposits | 42.8518% | 6,992 |
| Net loans and leases to core deposits | 43.9929% | 7,039 |
| Total domestic deposits to total assets | 84.0913% | 4,457 |
| Equity capital to assets | 13.5335% | 1,170 |
| Core capital (leverage) ratio | 13.6639% | 921 |
| Tier 1 risk-based capital ratio | 22.9550% | 1,088 |
| Total risk-based capital ratio | 23.4881% | 1,159 |
| Memoranda: | ||
| Average total assets | $94,145,500 | 5,165 |
| Average earning assets | $80,212,000 | 5,355 |
| Average equity | $12,938,500 | 4,350 |
| Average total loans | $35,477,500 | 6,050 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3114% | 3,074 |
| Cost of funding earning assets | 1.3242% | 3,724 |
| Net interest margin | 3.9872% | 3,074 |
| Noninterest income to average assets | 0.8996% | 1,851 |
| Noninterest expense to average assets | 3.0558% | 3,643 |
| Loan and lease loss provision to assets | 0.1200% | 5,957 |
| Net operating income to assets | 1.0255% | 1,947 |
| Return on assets (ROA) | 1.0282% | 2,047 |
| Pretax return on assets | 1.2066% | 2,210 |
| Return on Equity (ROE) | 7.5844% | 2,853 |
| Retained earnings to average equity (ytd only) | 5.9939% | 1,820 |
| Net charge-offs to loans | 0.1231% | 5,660 |
| Credit loss provision to net charge-offs | 251.1111% | 1,126 |
| Earnings coverage of net charge-offs (x) | 27.6889% | 788 |
| Efficiency ratio | 69.7793% | 4,227 |
| Assets per employee ($millions) | 2.2006% | 7,303 |
| Cash dividends to net income (ytd only)* | 20.9711% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 6,939 |
| Loan loss allowance to noncurrent loans | 89.0909% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 6,039 |
| Noncurrent loans to loans | 0.9139% | 5,223 |
| Net loans and leases to total assets | 38.7503% | 7,036 |
| Net loans and leases to deposits | 46.3235% | 7,029 |
| Net loans and leases to core deposits | 47.3286% | 7,104 |
| Total domestic deposits to total assets | 83.6516% | 4,526 |
| Equity capital to assets | 13.9605% | 1,048 |
| Core capital (leverage) ratio | 13.9090% | 861 |
| Tier 1 risk-based capital ratio | 23.0712% | 1,027 |
| Total risk-based capital ratio | 23.5926% | 1,109 |
| Memoranda: | ||
| Average total assets | $94,148,800 | 5,157 |
| Average earning assets | $82,163,400 | 5,270 |
| Average equity | $12,763,000 | 4,404 |
| Average total loans | $36,557,800 | 6,090 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3420% | 3,155 |
| Cost of funding earning assets | 1.3517% | 3,890 |
| Net interest margin | 3.9904% | 3,150 |
| Noninterest income to average assets | 0.9022% | 1,788 |
| Noninterest expense to average assets | 3.0097% | 3,708 |
| Loan and lease loss provision to assets | 0.1593% | 5,449 |
| Net operating income to assets | 1.0354% | 2,122 |
| Return on assets (ROA) | 1.0390% | 2,211 |
| Pretax return on assets | 1.2208% | 2,420 |
| Return on Equity (ROE) | 7.7203% | 3,013 |
| Retained earnings to average equity (ytd only) | 5.5938% | 2,597 |
| Net charge-offs to loans | 0.1345% | 5,222 |
| Credit loss provision to net charge-offs | 305.4054% | 1,044 |
| Earnings coverage of net charge-offs (x) | 26.3795% | 963 |
| Efficiency ratio | 68.6275% | 4,347 |
| Assets per employee ($millions) | 2.2400% | 7,354 |
| Cash dividends to net income (ytd only)* | 27.5442% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 6,899 |
| Loan loss allowance to noncurrent loans | 98.0519% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 6,196 |
| Noncurrent loans to loans | 0.8645% | 5,496 |
| Net loans and leases to total assets | 37.5481% | 7,205 |
| Net loans and leases to deposits | 45.0460% | 7,204 |
| Net loans and leases to core deposits | 46.2503% | 7,262 |
| Total domestic deposits to total assets | 83.3549% | 4,434 |
| Equity capital to assets | 14.1887% | 1,113 |
| Core capital (leverage) ratio | 13.5496% | 1,044 |
| Tier 1 risk-based capital ratio | 23.2796% | 1,030 |
| Total risk-based capital ratio | 23.8298% | 1,092 |
| Memoranda: | ||
| Average total assets | $94,579,750 | 5,204 |
| Average earning assets | $82,563,250 | 5,323 |
| Average equity | $12,728,000 | 4,491 |
| Average total loans | $36,670,000 | 6,166 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4383% | 2,806 |
| Cost of funding earning assets | 1.3898% | 3,939 |
| Net interest margin | 4.0485% | 2,793 |
| Noninterest income to average assets | 0.8971% | 1,697 |
| Noninterest expense to average assets | 3.0102% | 3,678 |
| Loan and lease loss provision to assets | 0.1689% | 5,188 |
| Net operating income to assets | 1.0501% | 2,015 |
| Return on assets (ROA) | 1.0555% | 2,066 |
| Pretax return on assets | 1.2539% | 2,243 |
| Return on Equity (ROE) | 7.9866% | 2,890 |
| Retained earnings to average equity (ytd only) | 4.7440% | 3,050 |
| Net charge-offs to loans | 0.0486% | 5,706 |
| Credit loss provision to net charge-offs | 888.8889% | 422 |
| Earnings coverage of net charge-offs (x) | 74.5556% | 422 |
| Efficiency ratio | 68.0019% | 4,579 |
| Assets per employee ($millions) | 2.3018% | 7,347 |
| Cash dividends to net income (ytd only)* | 40.6000% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 6,983 |
| Loan loss allowance to noncurrent loans | 349.4118% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 6,744 |
| Noncurrent loans to loans | 0.2355% | 6,763 |
| Net loans and leases to total assets | 37.9299% | 7,271 |
| Net loans and leases to deposits | 45.7650% | 7,258 |
| Net loans and leases to core deposits | 46.5095% | 7,333 |
| Total domestic deposits to total assets | 82.8798% | 4,618 |
| Equity capital to assets | 13.6849% | 1,276 |
| Core capital (leverage) ratio | 13.3163% | 1,110 |
| Tier 1 risk-based capital ratio | 23.4261% | 1,003 |
| Total risk-based capital ratio | 23.9809% | 1,080 |
| Memoranda: | ||
| Average total assets | $94,745,670 | 5,226 |
| Average earning assets | $82,599,330 | 5,351 |
| Average equity | $12,521,000 | 4,542 |
| Average total loans | $37,017,330 | 6,194 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4548% | 2,805 |
| Cost of funding earning assets | 1.4678% | 3,755 |
| Net interest margin | 3.9869% | 2,933 |
| Noninterest income to average assets | 0.8891% | 1,668 |
| Noninterest expense to average assets | 2.9790% | 3,754 |
| Loan and lease loss provision to assets | 0.1517% | 5,023 |
| Net operating income to assets | 1.0365% | 2,048 |
| Return on assets (ROA) | 1.0365% | 2,108 |
| Pretax return on assets | 1.2261% | 2,277 |
| Return on Equity (ROE) | 7.9844% | 2,892 |
| Retained earnings to average equity (ytd only) | 1.3957% | 5,244 |
| Net charge-offs to loans | 0.0534% | 4,872 |
| Credit loss provision to net charge-offs | 720.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 65.4000% | 466 |
| Efficiency ratio | 68.3752% | 4,645 |
| Assets per employee ($millions) | 2.3144% | 7,446 |
| Cash dividends to net income (ytd only)* | 82.5203% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7014% | 7,334 |
| Loan loss allowance to noncurrent loans | 183.5714% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 6,745 |
| Noncurrent loans to loans | 0.3821% | 6,517 |
| Net loans and leases to total assets | 38.3446% | 7,336 |
| Net loans and leases to deposits | 47.1272% | 7,273 |
| Net loans and leases to core deposits | 47.7851% | 7,372 |
| Total domestic deposits to total assets | 81.3641% | 5,323 |
| Equity capital to assets | 13.0801% | 1,492 |
| Core capital (leverage) ratio | 12.8421% | 1,275 |
| Tier 1 risk-based capital ratio | 22.3033% | 1,161 |
| Total risk-based capital ratio | 22.7699% | 1,245 |
| Memoranda: | ||
| Average total assets | $94,931,500 | 5,288 |
| Average earning assets | $82,570,000 | 5,414 |
| Average equity | $12,324,000 | 4,633 |
| Average total loans | $37,479,500 | 6,238 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7110% | 3,046 |
| Cost of funding earning assets | 1.7919% | 4,032 |
| Net interest margin | 3.9191% | 3,193 |
| Noninterest income to average assets | 0.9439% | 1,776 |
| Noninterest expense to average assets | 3.0495% | 3,948 |
| Loan and lease loss provision to assets | 0.1633% | 6,058 |
| Net operating income to assets | 0.9038% | 2,164 |
| Return on assets (ROA) | 1.0071% | 1,866 |
| Pretax return on assets | 1.2716% | 1,775 |
| Return on Equity (ROE) | 7.9965% | 2,373 |
| Retained earnings to average equity (ytd only) | 6.9418% | 979 |
| Net charge-offs to loans | 0.5239% | 3,686 |
| Credit loss provision to net charge-offs | 78.1250% | 6,335 |
| Earnings coverage of net charge-offs (x) | 6.2396% | 2,407 |
| Efficiency ratio | 70.0425% | 4,617 |
| Assets per employee ($millions) | 2.3164% | 7,455 |
| Cash dividends to net income (ytd only)* | 13.1892% | 3,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 7,570 |
| Loan loss allowance to noncurrent loans | 72.9032% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 6,291 |
| Noncurrent loans to loans | 0.8091% | 5,666 |
| Net loans and leases to total assets | 40.1070% | 7,344 |
| Net loans and leases to deposits | 50.7157% | 7,216 |
| Net loans and leases to core deposits | 64.1548% | 7,076 |
| Total domestic deposits to total assets | 79.0820% | 5,953 |
| Equity capital to assets | 12.8839% | 1,554 |
| Core capital (leverage) ratio | 12.8778% | 1,287 |
| Tier 1 risk-based capital ratio | 21.6707% | 1,191 |
| Total risk-based capital ratio | 22.0708% | 1,290 |
| Memoranda: | ||
| Average total assets | $91,852,000 | 5,341 |
| Average earning assets | $79,915,400 | 5,460 |
| Average equity | $11,567,600 | 4,853 |
| Average total loans | $36,646,600 | 6,271 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7845% | 2,958 |
| Cost of funding earning assets | 1.8496% | 4,158 |
| Net interest margin | 3.9349% | 3,100 |
| Noninterest income to average assets | 0.8535% | 2,185 |
| Noninterest expense to average assets | 2.9895% | 4,089 |
| Loan and lease loss provision to assets | 0.2196% | 5,222 |
| Net operating income to assets | 0.8603% | 2,574 |
| Return on assets (ROA) | 1.0263% | 2,039 |
| Pretax return on assets | 1.2722% | 2,035 |
| Return on Equity (ROE) | 8.1982% | 2,559 |
| Retained earnings to average equity (ytd only) | 6.7715% | 1,601 |
| Net charge-offs to loans | 0.1288% | 5,409 |
| Credit loss provision to net charge-offs | 428.5714% | 924 |
| Earnings coverage of net charge-offs (x) | 25.1118% | 1,063 |
| Efficiency ratio | 69.9076% | 4,609 |
| Assets per employee ($millions) | 2.3210% | 7,473 |
| Cash dividends to net income (ytd only)* | 17.4035% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 6,363 |
| Loan loss allowance to noncurrent loans | 76.1431% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 5,773 |
| Noncurrent loans to loans | 1.2989% | 4,771 |
| Net loans and leases to total assets | 40.2902% | 7,451 |
| Net loans and leases to deposits | 51.0132% | 7,360 |
| Net loans and leases to core deposits | 64.1368% | 7,246 |
| Total domestic deposits to total assets | 78.9801% | 5,811 |
| Equity capital to assets | 12.8770% | 1,744 |
| Core capital (leverage) ratio | 12.7889% | 1,448 |
| Tier 1 risk-based capital ratio | 20.2041% | 1,518 |
| Total risk-based capital ratio | 20.8480% | 1,590 |
| Memoranda: | ||
| Average total assets | $91,072,250 | 5,391 |
| Average earning assets | $79,221,500 | 5,516 |
| Average equity | $11,400,500 | 4,946 |
| Average total loans | $36,229,250 | 6,336 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8403% | 2,845 |
| Cost of funding earning assets | 1.9434% | 4,042 |
| Net interest margin | 3.8970% | 3,127 |
| Noninterest income to average assets | 0.8427% | 2,204 |
| Noninterest expense to average assets | 2.9919% | 4,115 |
| Loan and lease loss provision to assets | 0.3344% | 3,933 |
| Net operating income to assets | 0.7201% | 3,167 |
| Return on assets (ROA) | 0.9698% | 2,310 |
| Pretax return on assets | 1.2128% | 2,262 |
| Return on Equity (ROE) | 7.8266% | 2,843 |
| Retained earnings to average equity (ytd only) | 5.6315% | 2,191 |
| Net charge-offs to loans | 0.1356% | 4,810 |
| Credit loss provision to net charge-offs | 625.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 23.0833% | 1,198 |
| Efficiency ratio | 70.7806% | 4,628 |
| Assets per employee ($millions) | 2.1944% | 7,678 |
| Cash dividends to net income (ytd only)* | 28.0460% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,539 |
| Loan loss allowance to noncurrent loans | 345.6140% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 6,682 |
| Noncurrent loans to loans | 0.3207% | 6,709 |
| Net loans and leases to total assets | 39.0712% | 7,593 |
| Net loans and leases to deposits | 47.4604% | 7,578 |
| Net loans and leases to core deposits | 65.3334% | 7,241 |
| Total domestic deposits to total assets | 82.3239% | 4,559 |
| Equity capital to assets | 12.5221% | 1,913 |
| Core capital (leverage) ratio | 13.0392% | 1,417 |
| Tier 1 risk-based capital ratio | 20.8339% | 1,426 |
| Total risk-based capital ratio | 21.5324% | 1,482 |
| Memoranda: | ||
| Average total assets | $89,709,000 | 5,470 |
| Average earning assets | $77,906,670 | 5,600 |
| Average equity | $11,116,000 | 5,054 |
| Average total loans | $35,397,670 | 6,443 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8060% | 3,267 |
| Cost of funding earning assets | 1.9968% | 4,148 |
| Net interest margin | 3.8093% | 3,407 |
| Noninterest income to average assets | 0.8350% | 2,153 |
| Noninterest expense to average assets | 2.9962% | 3,784 |
| Loan and lease loss provision to assets | 0.6698% | 1,889 |
| Net operating income to assets | 0.3956% | 4,872 |
| Return on assets (ROA) | 0.9020% | 2,849 |
| Pretax return on assets | 1.1163% | 2,926 |
| Return on Equity (ROE) | 7.3182% | 3,463 |
| Retained earnings to average equity (ytd only) | 2.8983% | 4,256 |
| Net charge-offs to loans | 0.0566% | 4,676 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 700 |
| Efficiency ratio | 72.0730% | 4,181 |
| Assets per employee ($millions) | 2.1839% | 7,738 |
| Cash dividends to net income (ytd only)* | 60.3960% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 4,979 |
| Loan loss allowance to noncurrent loans | 607.3529% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 6,745 |
| Noncurrent loans to loans | 0.1929% | 6,978 |
| Net loans and leases to total assets | 38.9107% | 7,622 |
| Net loans and leases to deposits | 47.0373% | 7,621 |
| Net loans and leases to core deposits | 65.3910% | 7,260 |
| Total domestic deposits to total assets | 82.7230% | 4,277 |
| Equity capital to assets | 12.1017% | 2,200 |
| Core capital (leverage) ratio | 12.8878% | 1,523 |
| Tier 1 risk-based capital ratio | 20.5465% | 1,515 |
| Total risk-based capital ratio | 21.2832% | 1,571 |
| Memoranda: | ||
| Average total assets | $89,579,000 | 5,503 |
| Average earning assets | $78,125,500 | 5,619 |
| Average equity | $11,041,000 | 5,095 |
| Average total loans | $35,323,500 | 6,471 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1615% | 4,715 |
| Cost of funding earning assets | 2.9000% | 2,267 |
| Net interest margin | 3.2614% | 6,176 |
| Noninterest income to average assets | 0.9407% | 1,812 |
| Noninterest expense to average assets | 2.9735% | 4,171 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8029% | 3,426 |
| Return on assets (ROA) | 0.5598% | 4,337 |
| Pretax return on assets | 0.5764% | 4,766 |
| Return on Equity (ROE) | 4.6772% | 4,524 |
| Retained earnings to average equity (ytd only) | 3.5517% | 2,933 |
| Net charge-offs to loans | 0.1266% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 17.8333% | 1,743 |
| Efficiency ratio | 78.2394% | 2,879 |
| Assets per employee ($millions) | 2.1858% | 7,733 |
| Cash dividends to net income (ytd only)* | 24.0631% | 4,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7572% | 7,257 |
| Loan loss allowance to noncurrent loans | 41.0413% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 0.9072% | 4,577 |
| Noncurrent loans to loans | 1.8450% | 2,995 |
| Net loans and leases to total assets | 39.1946% | 7,709 |
| Net loans and leases to deposits | 47.5923% | 7,728 |
| Net loans and leases to core deposits | 65.8907% | 7,365 |
| Total domestic deposits to total assets | 82.3549% | 4,058 |
| Equity capital to assets | 12.5490% | 1,985 |
| Core capital (leverage) ratio | 12.7480% | 1,644 |
| Tier 1 risk-based capital ratio | 20.3205% | 1,565 |
| Total risk-based capital ratio | 20.7965% | 1,654 |
| Memoranda: | ||
| Average total assets | $90,567,600 | 5,335 |
| Average earning assets | $79,413,000 | 5,451 |
| Average equity | $10,839,800 | 5,171 |
| Average total loans | $33,165,200 | 6,532 |