Home > Gateway First Bank > Performance and Condition Ratios
Gateway First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3412% | 1,411 |
| Cost of funding earning assets | 2.5710% | 315 |
| Net interest margin | 2.7702% | 3,717 |
| Noninterest income to average assets | 4.3300% | 140 |
| Noninterest expense to average assets | 7.2054% | 141 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | -0.5094% | 4,508 |
| Return on assets (ROA) | -0.5094% | 4,493 |
| Pretax return on assets | -0.6576% | 4,492 |
| Return on Equity (ROE) | -3.6700% | 4,452 |
| Retained earnings to average equity (ytd only) | -4.3648% | 4,374 |
| Net charge-offs to loans | -0.0180% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 107.8383% | 121 |
| Assets per employee ($millions) | 2.5743% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 2,504 |
| Loan loss allowance to noncurrent loans | 10.0308% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 8.3350% | 9 |
| Noncurrent loans to loans | 11.5554% | 7 |
| Net loans and leases to total assets | 70.9000% | 1,714 |
| Net loans and leases to deposits | 140.6488% | 25 |
| Net loans and leases to core deposits | 194.6505% | 83 |
| Total domestic deposits to total assets | 50.4100% | 4,470 |
| Equity capital to assets | 12.8423% | 891 |
| Core capital (leverage) ratio | 11.4666% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5072% | 2,063 |
| Memoranda: | ||
| Average total assets | $2,086,831,800 | 552 |
| Average earning assets | $1,765,817,600 | 586 |
| Average equity | $289,360,200 | 409 |
| Average total loans | $1,481,834,200 | 518 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 1,357 |
| Cost of funding earning assets | 2.5136% | 270 |
| Net interest margin | 2.7390% | 3,826 |
| Noninterest income to average assets | 4.6800% | 132 |
| Noninterest expense to average assets | 6.6815% | 154 |
| Loan and lease loss provision to assets | -0.1700% | 4,580 |
| Net operating income to assets | 0.3637% | 4,021 |
| Return on assets (ROA) | 0.3637% | 4,027 |
| Pretax return on assets | 0.4716% | 3,952 |
| Return on Equity (ROE) | 2.5700% | 4,142 |
| Retained earnings to average equity (ytd only) | 1.6670% | 3,802 |
| Net charge-offs to loans | -0.0045% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 95.5095% | 235 |
| Assets per employee ($millions) | 2.4279% | 4,451 |
| Cash dividends to net income (ytd only)* | 35.2485% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7490% | 4,071 |
| Loan loss allowance to noncurrent loans | 7.4438% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 7.1522% | 13 |
| Noncurrent loans to loans | 10.0625% | 10 |
| Net loans and leases to total assets | 70.2600% | 1,798 |
| Net loans and leases to deposits | 124.9451% | 60 |
| Net loans and leases to core deposits | 162.7680% | 97 |
| Total domestic deposits to total assets | 56.2300% | 4,479 |
| Equity capital to assets | 13.8038% | 677 |
| Core capital (leverage) ratio | 11.9686% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0254% | 1,887 |
| Memoranda: | ||
| Average total assets | $2,080,172,750 | 556 |
| Average earning assets | $1,753,723,000 | 590 |
| Average equity | $293,845,750 | 406 |
| Average total loans | $1,473,270,250 | 521 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0464% | 1,475 |
| Cost of funding earning assets | 2.3875% | 233 |
| Net interest margin | 2.6589% | 4,027 |
| Noninterest income to average assets | 4.7400% | 127 |
| Noninterest expense to average assets | 6.8145% | 150 |
| Loan and lease loss provision to assets | -0.3000% | 4,628 |
| Net operating income to assets | 0.3503% | 4,092 |
| Return on assets (ROA) | 0.3503% | 4,114 |
| Pretax return on assets | 0.4664% | 4,021 |
| Return on Equity (ROE) | 2.4600% | 4,222 |
| Retained earnings to average equity (ytd only) | 1.0966% | 3,894 |
| Net charge-offs to loans | -0.0003% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 97.4145% | 206 |
| Assets per employee ($millions) | 2.1303% | 4,497 |
| Cash dividends to net income (ytd only)* | 55.4324% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 4,121 |
| Loan loss allowance to noncurrent loans | 7.2247% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 7.3353% | 18 |
| Noncurrent loans to loans | 10.2300% | 12 |
| Net loans and leases to total assets | 70.9700% | 1,634 |
| Net loans and leases to deposits | 152.1721% | 17 |
| Net loans and leases to core deposits | 180.7724% | 58 |
| Total domestic deposits to total assets | 46.6400% | 4,531 |
| Equity capital to assets | 14.1748% | 626 |
| Core capital (leverage) ratio | 12.3519% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5104% | 2,089 |
| Memoranda: | ||
| Average total assets | $2,059,749,667 | 545 |
| Average earning assets | $1,735,839,667 | 586 |
| Average equity | $293,260,667 | 394 |
| Average total loans | $1,459,041,000 | 513 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 1,519 |
| Cost of funding earning assets | 2.1722% | 206 |
| Net interest margin | 2.6710% | 4,110 |
| Noninterest income to average assets | 4.2400% | 142 |
| Noninterest expense to average assets | 6.8089% | 155 |
| Loan and lease loss provision to assets | -0.2400% | 4,634 |
| Net operating income to assets | -0.0674% | 4,520 |
| Return on assets (ROA) | -0.0674% | 4,506 |
| Pretax return on assets | -0.0823% | 4,498 |
| Return on Equity (ROE) | -0.4700% | 4,469 |
| Retained earnings to average equity (ytd only) | -0.4726% | 4,081 |
| Net charge-offs to loans | -0.0006% | 3,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 104.7635% | 133 |
| Assets per employee ($millions) | 2.1003% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 3,801 |
| Loan loss allowance to noncurrent loans | 9.0596% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 7.2545% | 8 |
| Noncurrent loans to loans | 10.1566% | 12 |
| Net loans and leases to total assets | 70.5200% | 1,570 |
| Net loans and leases to deposits | 142.6824% | 21 |
| Net loans and leases to core deposits | 181.0602% | 53 |
| Total domestic deposits to total assets | 49.4200% | 4,579 |
| Equity capital to assets | 14.1715% | 576 |
| Core capital (leverage) ratio | 12.6987% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1326% | 1,933 |
| Memoranda: | ||
| Average total assets | $2,052,148,000 | 564 |
| Average earning assets | $1,728,185,500 | 602 |
| Average equity | $292,831,000 | 399 |
| Average total loans | $1,446,770,500 | 527 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 2,217 |
| Cost of funding earning assets | 0.6483% | 719 |
| Net interest margin | 3.1722% | 2,955 |
| Noninterest income to average assets | 7.6800% | 113 |
| Noninterest expense to average assets | 9.1632% | 116 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 0.6349% | 3,790 |
| Return on assets (ROA) | 0.6349% | 3,743 |
| Pretax return on assets | 0.8089% | 3,604 |
| Return on Equity (ROE) | 3.8600% | 4,182 |
| Retained earnings to average equity (ytd only) | -10.3475% | 4,635 |
| Net charge-offs to loans | 0.0021% | 2,456 |
| Credit loss provision to net charge-offs | 22,278.5714% | 31 |
| Earnings coverage of net charge-offs (x) | 779.2500% | 235 |
| Efficiency ratio | 88.8590% | 332 |
| Assets per employee ($millions) | 1.9043% | 4,609 |
| Cash dividends to net income (ytd only)* | 368.0079% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 3,843 |
| Loan loss allowance to noncurrent loans | 7.9989% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 7.6963% | 5 |
| Noncurrent loans to loans | 10.9789% | 10 |
| Net loans and leases to total assets | 69.2000% | 1,711 |
| Net loans and leases to deposits | 141.1785% | 23 |
| Net loans and leases to core deposits | 174.8234% | 44 |
| Total domestic deposits to total assets | 49.0200% | 4,612 |
| Equity capital to assets | 14.3689% | 538 |
| Core capital (leverage) ratio | 12.6503% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7090% | 1,729 |
| Memoranda: | ||
| Average total assets | $1,926,124,000 | 578 |
| Average earning assets | $1,588,275,800 | 624 |
| Average equity | $316,713,400 | 374 |
| Average total loans | $1,318,582,200 | 531 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 2,533 |
| Cost of funding earning assets | 0.3948% | 1,325 |
| Net interest margin | 3.1286% | 2,833 |
| Noninterest income to average assets | 8.7600% | 110 |
| Noninterest expense to average assets | 9.7511% | 106 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.0312% | 2,356 |
| Return on assets (ROA) | 1.0312% | 2,327 |
| Pretax return on assets | 1.3714% | 1,809 |
| Return on Equity (ROE) | 6.0700% | 3,786 |
| Retained earnings to average equity (ytd only) | -12.5266% | 4,697 |
| Net charge-offs to loans | 0.0030% | 2,129 |
| Credit loss provision to net charge-offs | 10,241.3793% | 56 |
| Earnings coverage of net charge-offs (x) | 775.6897% | 212 |
| Efficiency ratio | 85.9196% | 463 |
| Assets per employee ($millions) | 1.7234% | 4,650 |
| Cash dividends to net income (ytd only)* | 306.4978% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 4,257 |
| Loan loss allowance to noncurrent loans | 4.2997% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 11.1335% | 1 |
| Noncurrent loans to loans | 16.1732% | 1 |
| Net loans and leases to total assets | 68.2100% | 1,652 |
| Net loans and leases to deposits | 141.3013% | 21 |
| Net loans and leases to core deposits | 147.7351% | 74 |
| Total domestic deposits to total assets | 48.2800% | 4,657 |
| Equity capital to assets | 15.1476% | 443 |
| Core capital (leverage) ratio | 13.2351% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2935% | 1,938 |
| Memoranda: | ||
| Average total assets | $1,898,253,500 | 586 |
| Average earning assets | $1,557,939,000 | 638 |
| Average equity | $322,696,500 | 373 |
| Average total loans | $1,292,582,250 | 538 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2285% | 2,957 |
| Cost of funding earning assets | 0.2994% | 1,717 |
| Net interest margin | 2.9290% | 3,092 |
| Noninterest income to average assets | 9.0275% | 65 |
| Noninterest expense to average assets | 9.8597% | 74 |
| Loan and lease loss provision to assets | 0.1193% | 838 |
| Net operating income to assets | 1.0952% | 1,789 |
| Return on assets (ROA) | 1.0952% | 1,771 |
| Pretax return on assets | 1.4581% | 1,289 |
| Return on Equity (ROE) | 6.2089% | 3,528 |
| Retained earnings to average equity (ytd only) | 3.1955% | 3,384 |
| Net charge-offs to loans | 0.0078% | 1,705 |
| Credit loss provision to net charge-offs | 2,244.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 296.7400% | 407 |
| Efficiency ratio | 86.0663% | 577 |
| Assets per employee ($millions) | 1.2578% | 4,726 |
| Cash dividends to net income (ytd only)* | 48.5343% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6032% | 4,458 |
| Loan loss allowance to noncurrent loans | 3.1493% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 12.5835% | 2 |
| Noncurrent loans to loans | 19.1547% | 1 |
| Net loans and leases to total assets | 65.2974% | 1,779 |
| Net loans and leases to deposits | 131.9307% | 23 |
| Net loans and leases to core deposits | 142.5630% | 71 |
| Total domestic deposits to total assets | 49.4937% | 4,722 |
| Equity capital to assets | 17.6591% | 244 |
| Core capital (leverage) ratio | 15.3132% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2634% | 956 |
| Memoranda: | ||
| Average total assets | $1,881,276,000 | 585 |
| Average earning assets | $1,547,603,333 | 643 |
| Average equity | $331,844,000 | 364 |
| Average total loans | $1,277,134,000 | 535 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8580% | 3,632 |
| Cost of funding earning assets | 0.2987% | 1,671 |
| Net interest margin | 2.5592% | 3,759 |
| Noninterest income to average assets | 10.7635% | 59 |
| Noninterest expense to average assets | 9.8298% | 72 |
| Loan and lease loss provision to assets | -0.0032% | 4,401 |
| Net operating income to assets | 2.3155% | 147 |
| Return on assets (ROA) | 2.3155% | 146 |
| Pretax return on assets | 3.0588% | 100 |
| Return on Equity (ROE) | 13.1343% | 1,005 |
| Retained earnings to average equity (ytd only) | 7.1094% | 1,857 |
| Net charge-offs to loans | 0.0237% | 1,087 |
| Credit loss provision to net charge-offs | -19.4805% | 2,772 |
| Earnings coverage of net charge-offs (x) | 186.8052% | 452 |
| Efficiency ratio | 76.1610% | 1,506 |
| Assets per employee ($millions) | 1.1815% | 4,755 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4966% | 4,588 |
| Loan loss allowance to noncurrent loans | 2.2099% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 15.1366% | 2 |
| Noncurrent loans to loans | 22.4731% | 2 |
| Net loans and leases to total assets | 66.9585% | 1,315 |
| Net loans and leases to deposits | 134.7807% | 13 |
| Net loans and leases to core deposits | 165.5715% | 32 |
| Total domestic deposits to total assets | 49.6796% | 4,752 |
| Equity capital to assets | 17.7134% | 237 |
| Core capital (leverage) ratio | 15.8061% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0583% | 749 |
| Memoranda: | ||
| Average total assets | $1,882,960,000 | 586 |
| Average earning assets | $1,561,254,500 | 640 |
| Average equity | $331,955,500 | 375 |
| Average total loans | $1,298,867,000 | 525 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2799% | 4,599 |
| Cost of funding earning assets | 0.3360% | 2,061 |
| Net interest margin | 1.9439% | 4,625 |
| Noninterest income to average assets | 13.9959% | 48 |
| Noninterest expense to average assets | 10.0887% | 70 |
| Loan and lease loss provision to assets | 0.0346% | 2,364 |
| Net operating income to assets | 4.2341% | 55 |
| Return on assets (ROA) | 4.2341% | 56 |
| Pretax return on assets | 5.5553% | 49 |
| Return on Equity (ROE) | 26.8828% | 98 |
| Retained earnings to average equity (ytd only) | 15.1586% | 211 |
| Net charge-offs to loans | 0.0279% | 1,680 |
| Credit loss provision to net charge-offs | 167.5418% | 1,420 |
| Earnings coverage of net charge-offs (x) | 270.9260% | 434 |
| Efficiency ratio | 64.2448% | 2,522 |
| Assets per employee ($millions) | 1.1535% | 4,799 |
| Cash dividends to net income (ytd only)* | 43.6123% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4818% | 4,643 |
| Loan loss allowance to noncurrent loans | 1.9953% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 17.0801% | 2 |
| Noncurrent loans to loans | 24.1456% | 2 |
| Net loans and leases to total assets | 70.3340% | 1,009 |
| Net loans and leases to deposits | 145.1241% | 9 |
| Net loans and leases to core deposits | 191.5292% | 26 |
| Total domestic deposits to total assets | 48.4647% | 4,795 |
| Equity capital to assets | 17.5451% | 274 |
| Core capital (leverage) ratio | 15.2474% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7408% | 576 |
| Memoranda: | ||
| Average total assets | $2,030,791,000 | 523 |
| Average earning assets | $1,757,889,000 | 555 |
| Average equity | $319,851,800 | 378 |
| Average total loans | $1,504,301,800 | 470 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2330% | 4,702 |
| Cost of funding earning assets | 0.3461% | 2,155 |
| Net interest margin | 1.8868% | 4,721 |
| Noninterest income to average assets | 14.9083% | 50 |
| Noninterest expense to average assets | 9.9013% | 72 |
| Loan and lease loss provision to assets | 0.0383% | 2,226 |
| Net operating income to assets | 5.0506% | 49 |
| Return on assets (ROA) | 5.0506% | 48 |
| Pretax return on assets | 6.6115% | 45 |
| Return on Equity (ROE) | 32.9191% | 69 |
| Retained earnings to average equity (ytd only) | 27.6682% | 36 |
| Net charge-offs to loans | 0.0353% | 1,369 |
| Credit loss provision to net charge-offs | 144.8780% | 1,373 |
| Earnings coverage of net charge-offs (x) | 251.6537% | 483 |
| Efficiency ratio | 59.7274% | 3,019 |
| Assets per employee ($millions) | 1.2363% | 4,872 |
| Cash dividends to net income (ytd only)* | 15.9510% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4264% | 4,755 |
| Loan loss allowance to noncurrent loans | 1.7231% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 18.0742% | 2 |
| Noncurrent loans to loans | 24.7475% | 2 |
| Net loans and leases to total assets | 72.7090% | 808 |
| Net loans and leases to deposits | 145.7836% | 12 |
| Net loans and leases to core deposits | 187.8972% | 34 |
| Total domestic deposits to total assets | 49.8746% | 4,867 |
| Equity capital to assets | 17.0222% | 337 |
| Core capital (leverage) ratio | 16.6699% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8118% | 497 |
| Memoranda: | ||
| Average total assets | $2,068,737,500 | 516 |
| Average earning assets | $1,801,139,500 | 552 |
| Average equity | $317,396,250 | 382 |
| Average total loans | $1,548,382,750 | 466 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1709% | 4,768 |
| Cost of funding earning assets | 0.3683% | 2,151 |
| Net interest margin | 1.8025% | 4,784 |
| Noninterest income to average assets | 15.3017% | 48 |
| Noninterest expense to average assets | 9.9051% | 72 |
| Loan and lease loss provision to assets | -0.0006% | 4,367 |
| Net operating income to assets | 5.3325% | 47 |
| Return on assets (ROA) | 5.3325% | 47 |
| Pretax return on assets | 6.9689% | 43 |
| Return on Equity (ROE) | 36.0452% | 59 |
| Retained earnings to average equity (ytd only) | 27.9175% | 52 |
| Net charge-offs to loans | 0.0566% | 1,054 |
| Credit loss provision to net charge-offs | -1.3514% | 2,890 |
| Earnings coverage of net charge-offs (x) | 163.1577% | 562 |
| Efficiency ratio | 58.6096% | 3,200 |
| Assets per employee ($millions) | 1.2235% | 4,909 |
| Cash dividends to net income (ytd only)* | 22.5485% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3853% | 4,808 |
| Loan loss allowance to noncurrent loans | 1.5047% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 19.0756% | 2 |
| Noncurrent loans to loans | 25.6058% | 2 |
| Net loans and leases to total assets | 74.1646% | 735 |
| Net loans and leases to deposits | 151.6443% | 16 |
| Net loans and leases to core deposits | 198.5721% | 37 |
| Total domestic deposits to total assets | 48.9069% | 4,899 |
| Equity capital to assets | 16.2564% | 391 |
| Core capital (leverage) ratio | 16.1633% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0193% | 378 |
| Memoranda: | ||
| Average total assets | $2,079,182,667 | 509 |
| Average earning assets | $1,813,001,667 | 543 |
| Average equity | $307,591,667 | 390 |
| Average total loans | $1,568,604,333 | 459 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1116% | 4,813 |
| Cost of funding earning assets | 0.4119% | 2,000 |
| Net interest margin | 1.6997% | 4,836 |
| Noninterest income to average assets | 17.7796% | 45 |
| Noninterest expense to average assets | 9.8296% | 72 |
| Loan and lease loss provision to assets | -0.0006% | 4,544 |
| Net operating income to assets | 7.1819% | 38 |
| Return on assets (ROA) | 7.1819% | 38 |
| Pretax return on assets | 9.4353% | 32 |
| Return on Equity (ROE) | 50.9050% | 28 |
| Retained earnings to average equity (ytd only) | 50.9050% | 14 |
| Net charge-offs to loans | 0.1035% | 670 |
| Credit loss provision to net charge-offs | -0.7194% | 2,680 |
| Earnings coverage of net charge-offs (x) | 120.1103% | 548 |
| Efficiency ratio | 50.9456% | 4,104 |
| Assets per employee ($millions) | 1.2593% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3838% | 4,838 |
| Loan loss allowance to noncurrent loans | 1.1980% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 23.3997% | 2 |
| Noncurrent loans to loans | 32.0354% | 2 |
| Net loans and leases to total assets | 72.7146% | 932 |
| Net loans and leases to deposits | 154.8979% | 19 |
| Net loans and leases to core deposits | 195.1094% | 39 |
| Total domestic deposits to total assets | 46.9436% | 4,928 |
| Equity capital to assets | 15.5538% | 433 |
| Core capital (leverage) ratio | 14.8799% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1677% | 348 |
| Memoranda: | ||
| Average total assets | $2,123,462,000 | 491 |
| Average earning assets | $1,854,927,000 | 524 |
| Average equity | $299,585,500 | 392 |
| Average total loans | $1,611,882,500 | 451 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8226% | 4,739 |
| Cost of funding earning assets | 0.6775% | 1,834 |
| Net interest margin | 2.1451% | 4,787 |
| Noninterest income to average assets | 20.4786% | 41 |
| Noninterest expense to average assets | 12.5863% | 59 |
| Loan and lease loss provision to assets | 0.3165% | 1,175 |
| Net operating income to assets | 7.1220% | 32 |
| Return on assets (ROA) | 7.1359% | 30 |
| Pretax return on assets | 9.4002% | 26 |
| Return on Equity (ROE) | 49.4568% | 18 |
| Retained earnings to average equity (ytd only) | 34.8698% | 15 |
| Net charge-offs to loans | 0.0339% | 2,367 |
| Credit loss provision to net charge-offs | 1,305.9553% | 639 |
| Earnings coverage of net charge-offs (x) | 400.2184% | 277 |
| Efficiency ratio | 56.3831% | 3,937 |
| Assets per employee ($millions) | 1.2033% | 4,957 |
| Cash dividends to net income (ytd only)* | 29.4945% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4318% | 4,837 |
| Loan loss allowance to noncurrent loans | 3.8079% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 8.4871% | 9 |
| Noncurrent loans to loans | 11.3394% | 18 |
| Net loans and leases to total assets | 74.5233% | 955 |
| Net loans and leases to deposits | 152.5425% | 18 |
| Net loans and leases to core deposits | 197.8205% | 42 |
| Total domestic deposits to total assets | 48.8541% | 4,948 |
| Equity capital to assets | 15.2802% | 525 |
| Core capital (leverage) ratio | 17.0714% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4928% | 412 |
| Memoranda: | ||
| Average total assets | $1,662,932,800 | 569 |
| Average earning assets | $1,400,607,000 | 602 |
| Average equity | $239,938,600 | 436 |
| Average total loans | $1,187,434,400 | 552 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9299% | 4,780 |
| Cost of funding earning assets | 0.7232% | 1,884 |
| Net interest margin | 2.2068% | 4,817 |
| Noninterest income to average assets | 19.9831% | 42 |
| Noninterest expense to average assets | 13.0594% | 56 |
| Loan and lease loss provision to assets | 0.4385% | 751 |
| Net operating income to assets | 6.3129% | 35 |
| Return on assets (ROA) | 6.3322% | 34 |
| Pretax return on assets | 8.3572% | 31 |
| Return on Equity (ROE) | 44.6707% | 28 |
| Retained earnings to average equity (ytd only) | 44.6707% | 16 |
| Net charge-offs to loans | 0.0708% | 1,608 |
| Credit loss provision to net charge-offs | 879.6327% | 917 |
| Earnings coverage of net charge-offs (x) | 175.9583% | 534 |
| Efficiency ratio | 59.7207% | 3,425 |
| Assets per employee ($millions) | 1.0960% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4969% | 4,816 |
| Loan loss allowance to noncurrent loans | 3.8871% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 9.4363% | 14 |
| Noncurrent loans to loans | 12.7830% | 18 |
| Net loans and leases to total assets | 73.4525% | 1,438 |
| Net loans and leases to deposits | 120.7738% | 107 |
| Net loans and leases to core deposits | 156.2381% | 94 |
| Total domestic deposits to total assets | 60.8182% | 4,918 |
| Equity capital to assets | 17.4068% | 341 |
| Core capital (leverage) ratio | 17.4080% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6243% | 286 |
| Memoranda: | ||
| Average total assets | $1,602,152,000 | 569 |
| Average earning assets | $1,341,299,750 | 611 |
| Average equity | $227,111,000 | 449 |
| Average total loans | $1,127,639,000 | 563 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9955% | 4,842 |
| Cost of funding earning assets | 0.7503% | 2,118 |
| Net interest margin | 2.2452% | 4,859 |
| Noninterest income to average assets | 15.2762% | 47 |
| Noninterest expense to average assets | 13.5031% | 52 |
| Loan and lease loss provision to assets | 0.6264% | 495 |
| Net operating income to assets | 2.2846% | 201 |
| Return on assets (ROA) | 2.3138% | 203 |
| Pretax return on assets | 3.0456% | 107 |
| Return on Equity (ROE) | 17.6958% | 400 |
| Retained earnings to average equity (ytd only) | 17.6958% | 125 |
| Net charge-offs to loans | 0.1090% | 1,202 |
| Credit loss provision to net charge-offs | 830.4493% | 902 |
| Earnings coverage of net charge-offs (x) | 48.1947% | 1,129 |
| Efficiency ratio | 78.6610% | 990 |
| Assets per employee ($millions) | 1.1243% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5091% | 4,825 |
| Loan loss allowance to noncurrent loans | 3.2017% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 11.2843% | 10 |
| Noncurrent loans to loans | 15.9003% | 14 |
| Net loans and leases to total assets | 70.5450% | 1,945 |
| Net loans and leases to deposits | 110.2121% | 228 |
| Net loans and leases to core deposits | 139.6718% | 172 |
| Total domestic deposits to total assets | 64.0084% | 4,917 |
| Equity capital to assets | 14.2929% | 782 |
| Core capital (leverage) ratio | 11.8312% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6121% | 535 |
| Memoranda: | ||
| Average total assets | $1,593,666,667 | 567 |
| Average earning assets | $1,321,580,667 | 606 |
| Average equity | $208,376,667 | 480 |
| Average total loans | $1,103,022,667 | 567 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0278% | 4,946 |
| Cost of funding earning assets | 0.7393% | 2,725 |
| Net interest margin | 2.2885% | 4,919 |
| Noninterest income to average assets | 7.8176% | 73 |
| Noninterest expense to average assets | 13.5368% | 56 |
| Loan and lease loss provision to assets | 0.3293% | 939 |
| Net operating income to assets | -3.1769% | 5,076 |
| Return on assets (ROA) | -3.1769% | 5,068 |
| Pretax return on assets | -4.1614% | 5,077 |
| Return on Equity (ROE) | -25.4631% | 5,073 |
| Retained earnings to average equity (ytd only) | -25.4631% | 5,011 |
| Net charge-offs to loans | 0.1420% | 890 |
| Credit loss provision to net charge-offs | 339.0746% | 1,093 |
| Earnings coverage of net charge-offs (x) | -39.4627% | 2,554 |
| Efficiency ratio | 139.2617% | 68 |
| Assets per employee ($millions) | 1.2897% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1942% | 5,035 |
| Loan loss allowance to noncurrent loans | 1.4298% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 9.1795% | 24 |
| Noncurrent loans to loans | 13.5799% | 17 |
| Net loans and leases to total assets | 67.1791% | 2,679 |
| Net loans and leases to deposits | 135.5198% | 26 |
| Net loans and leases to core deposits | 175.1669% | 58 |
| Total domestic deposits to total assets | 49.5714% | 5,070 |
| Equity capital to assets | 11.3137% | 2,582 |
| Core capital (leverage) ratio | 11.1445% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8519% | 1,384 |
| Memoranda: | ||
| Average total assets | $1,602,331,000 | 547 |
| Average earning assets | $1,321,202,500 | 583 |
| Average equity | $199,913,000 | 494 |
| Average total loans | $1,095,675,000 | 549 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1476% | 43 |
| Cost of funding earning assets | 1.8590% | 113 |
| Net interest margin | 6.2885% | 52 |
| Noninterest income to average assets | 20.4726% | 34 |
| Noninterest expense to average assets | 23.0341% | 33 |
| Loan and lease loss provision to assets | 0.0839% | 2,330 |
| Net operating income to assets | -1.5092% | 5,121 |
| Return on assets (ROA) | -1.4926% | 5,121 |
| Pretax return on assets | 2.6348% | 165 |
| Return on Equity (ROE) | -10.6143% | 5,124 |
| Retained earnings to average equity (ytd only) | -10.9760% | 5,073 |
| Net charge-offs to loans | 0.0099% | 3,331 |
| Credit loss provision to net charge-offs | 1,195.6522% | 291 |
| Earnings coverage of net charge-offs (x) | 384.3478% | 236 |
| Efficiency ratio | 89.4059% | 371 |
| Assets per employee ($millions) | 1.1215% | 5,131 |
| Cash dividends to net income (ytd only)* | -3.4076% | 5,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1247% | 5,102 |
| Loan loss allowance to noncurrent loans | 1.0047% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 8.6882% | 23 |
| Noncurrent loans to loans | 12.4073% | 14 |
| Net loans and leases to total assets | 69.5121% | 2,474 |
| Net loans and leases to deposits | 165.0998% | 8 |
| Net loans and leases to core deposits | 198.8869% | 41 |
| Total domestic deposits to total assets | 42.1031% | 5,136 |
| Equity capital to assets | 13.8005% | 1,168 |
| Core capital (leverage) ratio | 11.0507% | 2,459 |
| Tier 1 risk-based capital ratio | 17.8681% | 1,794 |
| Total risk-based capital ratio | 18.0383% | 2,062 |
| Memoranda: | ||
| Average total assets | $983,072,800 | 797 |
| Average earning assets | $822,148,400 | 883 |
| Average equity | $138,238,000 | 672 |
| Average total loans | $700,348,200 | 809 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1171% | 66 |
| Cost of funding earning assets | 1.5997% | 298 |
| Net interest margin | 5.5173% | 120 |
| Noninterest income to average assets | 14.7316% | 48 |
| Noninterest expense to average assets | 15.7124% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.6879% | 122 |
| Return on assets (ROA) | 2.7134% | 121 |
| Pretax return on assets | 3.4521% | 85 |
| Return on Equity (ROE) | 19.1918% | 300 |
| Retained earnings to average equity (ytd only) | 19.1918% | 56 |
| Net charge-offs to loans | 0.0751% | 1,747 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 67.6264% | 982 |
| Efficiency ratio | 81.9851% | 756 |
| Assets per employee ($millions) | 1.1156% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0574% | 5,192 |
| Loan loss allowance to noncurrent loans | 0.5356% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 7.4893% | 28 |
| Noncurrent loans to loans | 10.7223% | 23 |
| Net loans and leases to total assets | 69.6303% | 2,529 |
| Net loans and leases to deposits | 155.9833% | 13 |
| Net loans and leases to core deposits | 171.4056% | 67 |
| Total domestic deposits to total assets | 44.6396% | 5,214 |
| Equity capital to assets | 13.8503% | 1,212 |
| Core capital (leverage) ratio | 11.0553% | 2,597 |
| Tier 1 risk-based capital ratio | 17.9421% | 1,838 |
| Total risk-based capital ratio | 18.0249% | 2,105 |
| Memoranda: | ||
| Average total assets | $854,259,000 | 918 |
| Average earning assets | $681,349,000 | 1,028 |
| Average equity | $120,777,750 | 754 |
| Average total loans | $575,044,250 | 946 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4097% | 130 |
| Cost of funding earning assets | 1.8953% | 88 |
| Net interest margin | 4.5144% | 750 |
| Noninterest income to average assets | 10.9511% | 55 |
| Noninterest expense to average assets | 11.5731% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3391% | 196 |
| Return on assets (ROA) | 2.3391% | 204 |
| Pretax return on assets | 2.8654% | 144 |
| Return on Equity (ROE) | 16.2914% | 548 |
| Retained earnings to average equity (ytd only) | 16.2914% | 123 |
| Net charge-offs to loans | 0.1482% | 1,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 29.5064% | 1,478 |
| Efficiency ratio | 80.0921% | 956 |
| Assets per employee ($millions) | 1.0564% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0726% | 5,239 |
| Loan loss allowance to noncurrent loans | 36.9392% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 3,999 |
| Noncurrent loans to loans | 0.1964% | 3,848 |
| Net loans and leases to total assets | 62.9252% | 3,456 |
| Net loans and leases to deposits | 211.3042% | 6 |
| Net loans and leases to core deposits | 236.0160% | 36 |
| Total domestic deposits to total assets | 29.7794% | 5,274 |
| Equity capital to assets | 14.7588% | 874 |
| Core capital (leverage) ratio | 12.4430% | 1,567 |
| Tier 1 risk-based capital ratio | 12.0220% | 4,402 |
| Total risk-based capital ratio | 12.0958% | 4,894 |
| Memoranda: | ||
| Average total assets | $646,672,000 | 1,155 |
| Average earning assets | $499,558,330 | 1,334 |
| Average equity | $92,846,670 | 950 |
| Average total loans | $423,710,670 | 1,222 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8590% | 1,734 |
| Cost of funding earning assets | 1.0649% | 1,311 |
| Net interest margin | 3.7941% | 2,549 |
| Noninterest income to average assets | 0.2382% | 4,301 |
| Noninterest expense to average assets | 1.7389% | 4,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0987% | 324 |
| Return on assets (ROA) | 2.0987% | 337 |
| Pretax return on assets | 2.0987% | 526 |
| Return on Equity (ROE) | 15.5311% | 657 |
| Retained earnings to average equity (ytd only) | 8.4241% | 1,514 |
| Net charge-offs to loans | 0.6918% | 219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.2794% | 2,336 |
| Efficiency ratio | 44.9449% | 5,070 |
| Assets per employee ($millions) | 9.1317% | 453 |
| Cash dividends to net income (ytd only)* | 45.7596% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5210% | 238 |
| Loan loss allowance to noncurrent loans | 3,028.8043% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 4,526 |
| Noncurrent loans to loans | 0.0832% | 4,381 |
| Net loans and leases to total assets | 69.4064% | 2,568 |
| Net loans and leases to deposits | 82.5152% | 2,562 |
| Net loans and leases to core deposits | 97.7155% | 1,797 |
| Total domestic deposits to total assets | 84.1135% | 3,008 |
| Equity capital to assets | 13.7869% | 1,112 |
| Core capital (leverage) ratio | 13.4249% | 1,112 |
| Tier 1 risk-based capital ratio | 15.1078% | 2,834 |
| Total risk-based capital ratio | 16.3675% | 2,743 |
| Memoranda: | ||
| Average total assets | $312,379,500 | 2,114 |
| Average earning assets | $296,358,000 | 2,072 |
| Average equity | $42,212,000 | 1,845 |
| Average total loans | $221,451,500 | 2,059 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8628% | 1,384 |
| Cost of funding earning assets | 0.9514% | 921 |
| Net interest margin | 3.9114% | 2,293 |
| Noninterest income to average assets | 0.2086% | 4,665 |
| Noninterest expense to average assets | 1.9915% | 4,770 |
| Loan and lease loss provision to assets | 0.2733% | 615 |
| Net operating income to assets | 1.6748% | 727 |
| Return on assets (ROA) | 1.8661% | 485 |
| Pretax return on assets | 1.8661% | 782 |
| Return on Equity (ROE) | 15.0798% | 812 |
| Retained earnings to average equity (ytd only) | 5.3317% | 2,577 |
| Net charge-offs to loans | 0.1946% | 989 |
| Credit loss provision to net charge-offs | 189.4737% | 1,509 |
| Earnings coverage of net charge-offs (x) | 13.5074% | 2,450 |
| Efficiency ratio | 50.2042% | 4,930 |
| Assets per employee ($millions) | 9.5237% | 395 |
| Cash dividends to net income (ytd only)* | 64.6437% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6848% | 189 |
| Loan loss allowance to noncurrent loans | 1,147.5915% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 3,414 |
| Noncurrent loans to loans | 0.2340% | 3,743 |
| Net loans and leases to total assets | 68.6909% | 2,781 |
| Net loans and leases to deposits | 81.0673% | 2,843 |
| Net loans and leases to core deposits | 94.9913% | 2,142 |
| Total domestic deposits to total assets | 84.7331% | 2,758 |
| Equity capital to assets | 13.2426% | 1,237 |
| Core capital (leverage) ratio | 13.2021% | 1,177 |
| Tier 1 risk-based capital ratio | 14.8803% | 2,889 |
| Total risk-based capital ratio | 16.1415% | 2,814 |
| Memoranda: | ||
| Average total assets | $329,344,800 | 1,996 |
| Average earning assets | $314,157,400 | 1,951 |
| Average equity | $40,756,600 | 1,822 |
| Average total loans | $244,111,200 | 1,861 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 1,258 |
| Cost of funding earning assets | 0.9322% | 799 |
| Net interest margin | 3.9327% | 2,186 |
| Noninterest income to average assets | 0.2606% | 4,413 |
| Noninterest expense to average assets | 1.9617% | 4,809 |
| Loan and lease loss provision to assets | 0.3602% | 370 |
| Net operating income to assets | 1.7027% | 740 |
| Return on assets (ROA) | 1.9549% | 424 |
| Pretax return on assets | 1.9549% | 715 |
| Return on Equity (ROE) | 16.0624% | 688 |
| Retained earnings to average equity (ytd only) | 5.8178% | 2,748 |
| Net charge-offs to loans | 0.0358% | 2,368 |
| Credit loss provision to net charge-offs | 1,343.2836% | 304 |
| Earnings coverage of net charge-offs (x) | 76.9263% | 898 |
| Efficiency ratio | 48.4038% | 5,032 |
| Assets per employee ($millions) | 9.3894% | 389 |
| Cash dividends to net income (ytd only)* | 63.7797% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8337% | 161 |
| Loan loss allowance to noncurrent loans | 827.5683% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 2,928 |
| Noncurrent loans to loans | 0.3424% | 3,427 |
| Net loans and leases to total assets | 70.4271% | 2,576 |
| Net loans and leases to deposits | 83.2487% | 2,682 |
| Net loans and leases to core deposits | 97.7806% | 1,952 |
| Total domestic deposits to total assets | 84.5984% | 2,759 |
| Equity capital to assets | 13.1266% | 1,278 |
| Core capital (leverage) ratio | 12.8293% | 1,355 |
| Tier 1 risk-based capital ratio | 17.3869% | 1,971 |
| Total risk-based capital ratio | 18.6552% | 1,913 |
| Memoranda: | ||
| Average total assets | $333,110,500 | 1,981 |
| Average earning assets | $318,819,750 | 1,944 |
| Average equity | $40,541,000 | 1,837 |
| Average total loans | $249,679,250 | 1,830 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8861% | 1,053 |
| Cost of funding earning assets | 0.9094% | 708 |
| Net interest margin | 3.9767% | 1,938 |
| Noninterest income to average assets | 0.2588% | 4,454 |
| Noninterest expense to average assets | 1.9363% | 4,909 |
| Loan and lease loss provision to assets | 0.5281% | 212 |
| Net operating income to assets | 1.6047% | 914 |
| Return on assets (ROA) | 1.6042% | 920 |
| Pretax return on assets | 1.6042% | 1,490 |
| Return on Equity (ROE) | 13.5022% | 1,208 |
| Retained earnings to average equity (ytd only) | 1.6742% | 4,579 |
| Net charge-offs to loans | -0.0814% | 5,089 |
| Credit loss provision to net charge-offs | -857.1429% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2675% | 5,154 |
| Assets per employee ($millions) | 9.4395% | 381 |
| Cash dividends to net income (ytd only)* | 87.6006% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7327% | 194 |
| Loan loss allowance to noncurrent loans | 952.7697% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 3,111 |
| Noncurrent loans to loans | 0.2868% | 3,672 |
| Net loans and leases to total assets | 72.4852% | 2,199 |
| Net loans and leases to deposits | 84.9217% | 2,437 |
| Net loans and leases to core deposits | 100.8186% | 1,665 |
| Total domestic deposits to total assets | 85.3554% | 2,542 |
| Equity capital to assets | 12.5530% | 1,506 |
| Core capital (leverage) ratio | 11.7032% | 1,907 |
| Tier 1 risk-based capital ratio | 15.5777% | 2,599 |
| Total risk-based capital ratio | 16.9409% | 2,496 |
| Memoranda: | ||
| Average total assets | $340,863,670 | 1,965 |
| Average earning assets | $326,602,000 | 1,921 |
| Average equity | $40,497,000 | 1,842 |
| Average total loans | $258,044,670 | 1,804 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 1,011 |
| Cost of funding earning assets | 0.8849% | 646 |
| Net interest margin | 3.9458% | 1,879 |
| Noninterest income to average assets | 0.2999% | 4,156 |
| Noninterest expense to average assets | 1.8904% | 5,031 |
| Loan and lease loss provision to assets | 0.6841% | 143 |
| Net operating income to assets | 1.5130% | 1,053 |
| Return on assets (ROA) | 1.5130% | 1,053 |
| Pretax return on assets | 1.5130% | 1,654 |
| Return on Equity (ROE) | 13.0734% | 1,239 |
| Retained earnings to average equity (ytd only) | 4.5516% | 3,383 |
| Net charge-offs to loans | -0.1077% | 5,226 |
| Credit loss provision to net charge-offs | -833.3333% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9414% | 5,277 |
| Assets per employee ($millions) | 10.5148% | 271 |
| Cash dividends to net income (ytd only)* | 65.1846% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3827% | 291 |
| Loan loss allowance to noncurrent loans | 1,044.2761% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 3,452 |
| Noncurrent loans to loans | 0.2282% | 3,952 |
| Net loans and leases to total assets | 73.2394% | 1,990 |
| Net loans and leases to deposits | 84.7146% | 2,319 |
| Net loans and leases to core deposits | 106.0828% | 1,230 |
| Total domestic deposits to total assets | 86.4543% | 2,336 |
| Equity capital to assets | 11.6644% | 2,021 |
| Core capital (leverage) ratio | 11.0764% | 2,353 |
| Tier 1 risk-based capital ratio | 14.1559% | 3,301 |
| Total risk-based capital ratio | 15.5042% | 3,172 |
| Memoranda: | ||
| Average total assets | $350,823,500 | 1,949 |
| Average earning assets | $336,765,500 | 1,892 |
| Average equity | $40,601,500 | 1,847 |
| Average total loans | $267,480,500 | 1,756 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9271% | 752 |
| Cost of funding earning assets | 0.6860% | 1,103 |
| Net interest margin | 4.2411% | 1,100 |
| Noninterest income to average assets | 0.2779% | 4,470 |
| Noninterest expense to average assets | 1.7842% | 5,250 |
| Loan and lease loss provision to assets | 0.5194% | 251 |
| Net operating income to assets | 2.0419% | 258 |
| Return on assets (ROA) | 2.0673% | 253 |
| Pretax return on assets | 2.0673% | 419 |
| Return on Equity (ROE) | 19.1255% | 232 |
| Retained earnings to average equity (ytd only) | 11.1592% | 231 |
| Net charge-offs to loans | 0.6624% | 326 |
| Credit loss provision to net charge-offs | 101.1236% | 2,535 |
| Earnings coverage of net charge-offs (x) | 4.9865% | 3,386 |
| Efficiency ratio | 40.7597% | 5,515 |
| Assets per employee ($millions) | 10.4311% | 274 |
| Cash dividends to net income (ytd only)* | 41.6527% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 527 |
| Loan loss allowance to noncurrent loans | 307.4486% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6807% | 2,278 |
| Noncurrent loans to loans | 0.6551% | 2,580 |
| Net loans and leases to total assets | 75.8743% | 1,621 |
| Net loans and leases to deposits | 87.4591% | 2,085 |
| Net loans and leases to core deposits | 110.1233% | 992 |
| Total domestic deposits to total assets | 86.7540% | 2,109 |
| Equity capital to assets | 11.4840% | 2,216 |
| Core capital (leverage) ratio | 10.9726% | 2,363 |
| Tier 1 risk-based capital ratio | 13.3074% | 3,736 |
| Total risk-based capital ratio | 14.6454% | 3,599 |
| Memoranda: | ||
| Average total assets | $346,545,600 | 1,934 |
| Average earning assets | $332,367,800 | 1,883 |
| Average equity | $37,457,800 | 1,955 |
| Average total loans | $268,706,000 | 1,718 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9132% | 738 |
| Cost of funding earning assets | 0.6515% | 1,227 |
| Net interest margin | 4.2617% | 1,022 |
| Noninterest income to average assets | 0.2897% | 4,460 |
| Noninterest expense to average assets | 1.7412% | 5,331 |
| Loan and lease loss provision to assets | 0.4641% | 270 |
| Net operating income to assets | 2.1724% | 226 |
| Return on assets (ROA) | 2.2064% | 215 |
| Pretax return on assets | 2.2064% | 355 |
| Return on Equity (ROE) | 20.6333% | 192 |
| Retained earnings to average equity (ytd only) | 10.3619% | 515 |
| Net charge-offs to loans | 0.7230% | 259 |
| Credit loss provision to net charge-offs | 82.8157% | 2,543 |
| Earnings coverage of net charge-offs (x) | 4.7046% | 3,190 |
| Efficiency ratio | 39.4735% | 5,594 |
| Assets per employee ($millions) | 10.2815% | 282 |
| Cash dividends to net income (ytd only)* | 49.7808% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9675% | 604 |
| Loan loss allowance to noncurrent loans | 464.4307% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5000% | 3,070 |
| Noncurrent loans to loans | 0.4236% | 3,429 |
| Net loans and leases to total assets | 75.0025% | 1,762 |
| Net loans and leases to deposits | 86.5715% | 2,232 |
| Net loans and leases to core deposits | 109.2300% | 1,075 |
| Total domestic deposits to total assets | 86.6365% | 2,025 |
| Equity capital to assets | 11.4455% | 2,426 |
| Core capital (leverage) ratio | 10.7381% | 2,717 |
| Tier 1 risk-based capital ratio | 13.3888% | 3,774 |
| Total risk-based capital ratio | 14.7335% | 3,626 |
| Memoranda: | ||
| Average total assets | $344,742,250 | 1,950 |
| Average earning assets | $330,692,000 | 1,900 |
| Average equity | $36,865,000 | 1,994 |
| Average total loans | $267,226,000 | 1,733 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8829% | 728 |
| Cost of funding earning assets | 0.6017% | 1,436 |
| Net interest margin | 4.2812% | 910 |
| Noninterest income to average assets | 0.3136% | 4,291 |
| Noninterest expense to average assets | 1.7235% | 5,392 |
| Loan and lease loss provision to assets | 0.5246% | 216 |
| Net operating income to assets | 2.1712% | 223 |
| Return on assets (ROA) | 2.2225% | 207 |
| Pretax return on assets | 2.2225% | 340 |
| Return on Equity (ROE) | 21.2918% | 167 |
| Retained earnings to average equity (ytd only) | 10.4867% | 507 |
| Net charge-offs to loans | 0.0090% | 3,143 |
| Credit loss provision to net charge-offs | 7,500.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 385.4167% | 218 |
| Efficiency ratio | 38.7101% | 5,652 |
| Assets per employee ($millions) | 10.2250% | 281 |
| Cash dividends to net income (ytd only)* | 50.7474% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3844% | 330 |
| Loan loss allowance to noncurrent loans | 238.7687% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 1,889 |
| Noncurrent loans to loans | 0.9986% | 1,966 |
| Net loans and leases to total assets | 75.3554% | 1,636 |
| Net loans and leases to deposits | 86.6829% | 2,145 |
| Net loans and leases to core deposits | 111.7265% | 919 |
| Total domestic deposits to total assets | 86.9323% | 1,978 |
| Equity capital to assets | 11.2346% | 2,558 |
| Core capital (leverage) ratio | 10.4614% | 2,958 |
| Tier 1 risk-based capital ratio | 12.8736% | 4,077 |
| Total risk-based capital ratio | 14.2237% | 3,933 |
| Memoranda: | ||
| Average total assets | $343,132,670 | 1,962 |
| Average earning assets | $329,064,000 | 1,909 |
| Average equity | $35,816,670 | 2,034 |
| Average total loans | $267,151,670 | 1,735 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 640 |
| Cost of funding earning assets | 0.5581% | 1,669 |
| Net interest margin | 4.3363% | 720 |
| Noninterest income to average assets | 0.2687% | 4,618 |
| Noninterest expense to average assets | 1.7262% | 5,451 |
| Loan and lease loss provision to assets | 0.3520% | 334 |
| Net operating income to assets | 2.3481% | 177 |
| Return on assets (ROA) | 2.4513% | 152 |
| Pretax return on assets | 2.4513% | 237 |
| Return on Equity (ROE) | 24.4352% | 96 |
| Retained earnings to average equity (ytd only) | 14.4927% | 269 |
| Net charge-offs to loans | -0.0060% | 4,237 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7063% | 5,714 |
| Assets per employee ($millions) | 9.8485% | 322 |
| Cash dividends to net income (ytd only)* | 40.6893% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1342% | 517 |
| Loan loss allowance to noncurrent loans | 203.3217% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.9907% | 1,843 |
| Noncurrent loans to loans | 1.0497% | 1,960 |
| Net loans and leases to total assets | 77.3572% | 1,221 |
| Net loans and leases to deposits | 88.6136% | 1,719 |
| Net loans and leases to core deposits | 129.0680% | 275 |
| Total domestic deposits to total assets | 87.2972% | 2,074 |
| Equity capital to assets | 10.9406% | 2,697 |
| Core capital (leverage) ratio | 10.4934% | 2,910 |
| Tier 1 risk-based capital ratio | 12.3689% | 4,468 |
| Total risk-based capital ratio | 13.7088% | 4,315 |
| Memoranda: | ||
| Average total assets | $340,874,000 | 1,985 |
| Average earning assets | $326,819,000 | 1,928 |
| Average equity | $34,196,500 | 2,135 |
| Average total loans | $266,541,500 | 1,747 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 826 |
| Cost of funding earning assets | 0.3912% | 3,089 |
| Net interest margin | 4.4469% | 693 |
| Noninterest income to average assets | 0.2762% | 4,767 |
| Noninterest expense to average assets | 1.7649% | 5,508 |
| Loan and lease loss provision to assets | 0.8597% | 129 |
| Net operating income to assets | 1.9097% | 374 |
| Return on assets (ROA) | 1.9317% | 379 |
| Pretax return on assets | 1.9317% | 582 |
| Return on Equity (ROE) | 21.3715% | 165 |
| Retained earnings to average equity (ytd only) | 6.5504% | 1,429 |
| Net charge-offs to loans | 0.2089% | 1,335 |
| Credit loss provision to net charge-offs | 544.2940% | 616 |
| Earnings coverage of net charge-offs (x) | 17.5338% | 2,038 |
| Efficiency ratio | 38.6740% | 5,804 |
| Assets per employee ($millions) | 9.6300% | 348 |
| Cash dividends to net income (ytd only)* | 69.3500% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1146% | 536 |
| Loan loss allowance to noncurrent loans | 190.3627% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 1.0236% | 1,853 |
| Noncurrent loans to loans | 1.1108% | 1,863 |
| Net loans and leases to total assets | 75.6885% | 1,563 |
| Net loans and leases to deposits | 84.8581% | 2,324 |
| Net loans and leases to core deposits | 107.6182% | 1,042 |
| Total domestic deposits to total assets | 89.1942% | 1,017 |
| Equity capital to assets | 9.1028% | 4,707 |
| Core capital (leverage) ratio | 8.4630% | 5,297 |
| Tier 1 risk-based capital ratio | 9.8515% | 5,775 |
| Total risk-based capital ratio | 11.1914% | 5,718 |
| Memoranda: | ||
| Average total assets | $327,324,600 | 2,018 |
| Average earning assets | $313,433,000 | 1,955 |
| Average equity | $29,586,200 | 2,381 |
| Average total loans | $247,510,000 | 1,801 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8072% | 884 |
| Cost of funding earning assets | 0.3707% | 3,319 |
| Net interest margin | 4.4365% | 724 |
| Noninterest income to average assets | 0.2786% | 4,778 |
| Noninterest expense to average assets | 1.7728% | 5,544 |
| Loan and lease loss provision to assets | 0.8540% | 124 |
| Net operating income to assets | 1.9001% | 400 |
| Return on assets (ROA) | 1.9296% | 405 |
| Pretax return on assets | 1.9296% | 661 |
| Return on Equity (ROE) | 21.3874% | 178 |
| Retained earnings to average equity (ytd only) | 2.1424% | 4,617 |
| Net charge-offs to loans | -0.0469% | 5,348 |
| Credit loss provision to net charge-offs | -2,419.7674% | 5,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9267% | 5,851 |
| Assets per employee ($millions) | 9.6046% | 335 |
| Cash dividends to net income (ytd only)* | 89.9829% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0611% | 652 |
| Loan loss allowance to noncurrent loans | 137.8683% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.3261% | 1,433 |
| Noncurrent loans to loans | 1.4949% | 1,441 |
| Net loans and leases to total assets | 76.0642% | 1,515 |
| Net loans and leases to deposits | 86.4000% | 2,221 |
| Net loans and leases to core deposits | 109.9426% | 917 |
| Total domestic deposits to total assets | 88.0373% | 1,389 |
| Equity capital to assets | 9.1114% | 5,057 |
| Core capital (leverage) ratio | 8.1300% | 5,627 |
| Tier 1 risk-based capital ratio | 9.3691% | 5,894 |
| Total risk-based capital ratio | 10.6908% | 5,873 |
| Memoranda: | ||
| Average total assets | $324,893,000 | 2,038 |
| Average earning assets | $311,106,000 | 1,971 |
| Average equity | $29,312,500 | 2,425 |
| Average total loans | $244,232,500 | 1,828 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 977 |
| Cost of funding earning assets | 0.3600% | 3,449 |
| Net interest margin | 4.3773% | 796 |
| Noninterest income to average assets | 0.2824% | 4,765 |
| Noninterest expense to average assets | 1.8070% | 5,588 |
| Loan and lease loss provision to assets | 0.3614% | 445 |
| Net operating income to assets | 2.3046% | 198 |
| Return on assets (ROA) | 2.3420% | 201 |
| Pretax return on assets | 2.3420% | 285 |
| Return on Equity (ROE) | 25.7322% | 77 |
| Retained earnings to average equity (ytd only) | 3.9435% | 3,392 |
| Net charge-offs to loans | -0.0620% | 5,452 |
| Credit loss provision to net charge-offs | -785.1351% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1891% | 5,903 |
| Assets per employee ($millions) | 9.3700% | 344 |
| Cash dividends to net income (ytd only)* | 84.6746% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 1,704 |
| Loan loss allowance to noncurrent loans | 99.1289% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.3593% | 1,461 |
| Noncurrent loans to loans | 1.5573% | 1,386 |
| Net loans and leases to total assets | 75.2439% | 1,606 |
| Net loans and leases to deposits | 85.6801% | 2,287 |
| Net loans and leases to core deposits | 108.3825% | 1,015 |
| Total domestic deposits to total assets | 87.8195% | 1,517 |
| Equity capital to assets | 9.3599% | 4,906 |
| Core capital (leverage) ratio | 8.3353% | 5,505 |
| Tier 1 risk-based capital ratio | 9.5976% | 5,932 |
| Total risk-based capital ratio | 10.9015% | 5,896 |
| Memoranda: | ||
| Average total assets | $321,526,000 | 2,069 |
| Average earning assets | $307,814,330 | 2,004 |
| Average equity | $29,263,000 | 2,425 |
| Average total loans | $238,616,670 | 1,862 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9018% | 691 |
| Cost of funding earning assets | 0.3573% | 3,529 |
| Net interest margin | 4.5445% | 560 |
| Noninterest income to average assets | 0.2765% | 4,744 |
| Noninterest expense to average assets | 1.7907% | 5,665 |
| Loan and lease loss provision to assets | 0.3016% | 519 |
| Net operating income to assets | 2.5321% | 150 |
| Return on assets (ROA) | 2.5321% | 153 |
| Pretax return on assets | 2.5321% | 230 |
| Return on Equity (ROE) | 28.2346% | 65 |
| Retained earnings to average equity (ytd only) | -1.8076% | 5,368 |
| Net charge-offs to loans | -0.0757% | 5,527 |
| Credit loss provision to net charge-offs | -545.4545% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7228% | 5,990 |
| Assets per employee ($millions) | 9.4798% | 332 |
| Cash dividends to net income (ytd only)* | 106.4020% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 2,039 |
| Loan loss allowance to noncurrent loans | 887.8173% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 4,418 |
| Noncurrent loans to loans | 0.1677% | 4,820 |
| Net loans and leases to total assets | 69.7491% | 2,382 |
| Net loans and leases to deposits | 78.1432% | 2,996 |
| Net loans and leases to core deposits | 97.0954% | 1,701 |
| Total domestic deposits to total assets | 89.2580% | 970 |
| Equity capital to assets | 8.9405% | 5,230 |
| Core capital (leverage) ratio | 8.0611% | 5,741 |
| Tier 1 risk-based capital ratio | 9.7954% | 5,951 |
| Total risk-based capital ratio | 11.1039% | 5,913 |
| Memoranda: | ||
| Average total assets | $318,313,500 | 2,094 |
| Average earning assets | $304,543,500 | 2,030 |
| Average equity | $28,546,500 | 2,476 |
| Average total loans | $232,609,000 | 1,898 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 751 |
| Cost of funding earning assets | 0.3157% | 4,080 |
| Net interest margin | 4.5936% | 555 |
| Noninterest income to average assets | 0.3071% | 4,688 |
| Noninterest expense to average assets | 1.7731% | 5,775 |
| Loan and lease loss provision to assets | 0.4209% | 310 |
| Net operating income to assets | 2.5147% | 148 |
| Return on assets (ROA) | 2.5960% | 138 |
| Pretax return on assets | 2.5960% | 177 |
| Return on Equity (ROE) | 28.4441% | 67 |
| Retained earnings to average equity (ytd only) | 15.6877% | 119 |
| Net charge-offs to loans | 0.1983% | 1,475 |
| Credit loss provision to net charge-offs | 289.9263% | 1,015 |
| Earnings coverage of net charge-offs (x) | 20.2211% | 1,892 |
| Efficiency ratio | 37.6562% | 6,095 |
| Assets per employee ($millions) | 10.5116% | 230 |
| Cash dividends to net income (ytd only)* | 44.8475% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 2,443 |
| Loan loss allowance to noncurrent loans | 1,295.9677% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 4,533 |
| Noncurrent loans to loans | 0.1077% | 5,072 |
| Net loans and leases to total assets | 74.4941% | 1,646 |
| Net loans and leases to deposits | 86.7302% | 2,036 |
| Net loans and leases to core deposits | 103.4848% | 1,257 |
| Total domestic deposits to total assets | 85.8917% | 2,686 |
| Equity capital to assets | 8.9980% | 5,125 |
| Core capital (leverage) ratio | 8.5462% | 5,380 |
| Tier 1 risk-based capital ratio | 9.5857% | 6,033 |
| Total risk-based capital ratio | 10.8703% | 6,017 |
| Memoranda: | ||
| Average total assets | $280,355,000 | 2,269 |
| Average earning assets | $268,633,200 | 2,212 |
| Average equity | $25,587,000 | 2,646 |
| Average total loans | $205,202,800 | 2,027 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 723 |
| Cost of funding earning assets | 0.3132% | 4,186 |
| Net interest margin | 4.6161% | 527 |
| Noninterest income to average assets | 0.3082% | 4,732 |
| Noninterest expense to average assets | 1.8008% | 5,775 |
| Loan and lease loss provision to assets | 0.2917% | 514 |
| Net operating income to assets | 2.6366% | 136 |
| Return on assets (ROA) | 2.7358% | 119 |
| Pretax return on assets | 2.7358% | 161 |
| Return on Equity (ROE) | 29.8588% | 54 |
| Retained earnings to average equity (ytd only) | 17.5216% | 93 |
| Net charge-offs to loans | 0.3733% | 695 |
| Credit loss provision to net charge-offs | 107.7199% | 2,145 |
| Earnings coverage of net charge-offs (x) | 10.8133% | 2,559 |
| Efficiency ratio | 38.0796% | 6,160 |
| Assets per employee ($millions) | 9.7294% | 298 |
| Cash dividends to net income (ytd only)* | 41.3186% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 3,804 |
| Loan loss allowance to noncurrent loans | 233.0206% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 4,255 |
| Noncurrent loans to loans | 0.5029% | 3,845 |
| Net loans and leases to total assets | 74.2519% | 1,694 |
| Net loans and leases to deposits | 89.9475% | 1,657 |
| Net loans and leases to core deposits | 97.0699% | 1,780 |
| Total domestic deposits to total assets | 82.5502% | 3,966 |
| Equity capital to assets | 9.4204% | 4,859 |
| Core capital (leverage) ratio | 8.7139% | 5,335 |
| Tier 1 risk-based capital ratio | 9.7107% | 6,096 |
| Total risk-based capital ratio | 10.7626% | 6,118 |
| Memoranda: | ||
| Average total assets | $274,235,000 | 2,327 |
| Average earning assets | $262,640,750 | 2,266 |
| Average equity | $25,126,500 | 2,707 |
| Average total loans | $198,929,000 | 2,082 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 811 |
| Cost of funding earning assets | 0.3063% | 4,328 |
| Net interest margin | 4.5397% | 589 |
| Noninterest income to average assets | 0.3041% | 4,776 |
| Noninterest expense to average assets | 1.8078% | 5,836 |
| Loan and lease loss provision to assets | 0.1767% | 1,172 |
| Net operating income to assets | 2.6635% | 136 |
| Return on assets (ROA) | 2.7872% | 114 |
| Pretax return on assets | 2.7872% | 162 |
| Return on Equity (ROE) | 30.7199% | 61 |
| Retained earnings to average equity (ytd only) | 18.1398% | 100 |
| Net charge-offs to loans | -0.0976% | 5,776 |
| Credit loss provision to net charge-offs | -252.6316% | 5,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8942% | 6,225 |
| Assets per employee ($millions) | 9.2425% | 341 |
| Cash dividends to net income (ytd only)* | 40.9511% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 2,902 |
| Loan loss allowance to noncurrent loans | 374.1240% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 4,796 |
| Noncurrent loans to loans | 0.3655% | 4,400 |
| Net loans and leases to total assets | 72.2193% | 1,942 |
| Net loans and leases to deposits | 85.8680% | 2,069 |
| Net loans and leases to core deposits | 92.4424% | 2,111 |
| Total domestic deposits to total assets | 84.1049% | 3,524 |
| Equity capital to assets | 9.1566% | 5,079 |
| Core capital (leverage) ratio | 8.5156% | 5,517 |
| Tier 1 risk-based capital ratio | 9.8693% | 6,127 |
| Total risk-based capital ratio | 11.1362% | 6,072 |
| Memoranda: | ||
| Average total assets | $271,595,670 | 2,357 |
| Average earning assets | $259,884,670 | 2,296 |
| Average equity | $24,642,000 | 2,754 |
| Average total loans | $194,576,000 | 2,132 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8541% | 773 |
| Cost of funding earning assets | 0.3029% | 4,409 |
| Net interest margin | 4.5512% | 550 |
| Noninterest income to average assets | 0.3021% | 4,760 |
| Noninterest expense to average assets | 1.8574% | 5,815 |
| Loan and lease loss provision to assets | 0.1786% | 1,078 |
| Net operating income to assets | 2.6269% | 120 |
| Return on assets (ROA) | 2.8770% | 100 |
| Pretax return on assets | 2.8770% | 140 |
| Return on Equity (ROE) | 31.8602% | 52 |
| Retained earnings to average equity (ytd only) | 19.0865% | 115 |
| Net charge-offs to loans | -0.0988% | 5,852 |
| Credit loss provision to net charge-offs | -255.3191% | 4,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8340% | 6,270 |
| Assets per employee ($millions) | 9.1153% | 349 |
| Cash dividends to net income (ytd only)* | 40.0931% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 3,103 |
| Loan loss allowance to noncurrent loans | 273.6621% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 4,609 |
| Noncurrent loans to loans | 0.4967% | 4,090 |
| Net loans and leases to total assets | 69.2114% | 2,249 |
| Net loans and leases to deposits | 77.8948% | 2,820 |
| Net loans and leases to core deposits | 82.7760% | 2,888 |
| Total domestic deposits to total assets | 88.8524% | 1,363 |
| Equity capital to assets | 9.0643% | 5,222 |
| Core capital (leverage) ratio | 8.3000% | 5,726 |
| Tier 1 risk-based capital ratio | 9.7915% | 6,219 |
| Total risk-based capital ratio | 11.0380% | 6,182 |
| Memoranda: | ||
| Average total assets | $268,756,000 | 2,395 |
| Average earning assets | $257,512,000 | 2,330 |
| Average equity | $24,268,500 | 2,802 |
| Average total loans | $190,353,000 | 2,182 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 847 |
| Cost of funding earning assets | 0.3188% | 4,596 |
| Net interest margin | 4.6356% | 581 |
| Noninterest income to average assets | 0.4321% | 3,955 |
| Noninterest expense to average assets | 2.0305% | 5,712 |
| Loan and lease loss provision to assets | 0.3197% | 624 |
| Net operating income to assets | 2.4739% | 152 |
| Return on assets (ROA) | 2.5158% | 144 |
| Pretax return on assets | 2.5158% | 183 |
| Return on Equity (ROE) | 27.9206% | 72 |
| Retained earnings to average equity (ytd only) | 15.3081% | 140 |
| Net charge-offs to loans | -0.0476% | 5,922 |
| Credit loss provision to net charge-offs | -1,002.6316% | 5,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0906% | 6,366 |
| Assets per employee ($millions) | 8.8018% | 377 |
| Cash dividends to net income (ytd only)* | 45.1726% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 3,463 |
| Loan loss allowance to noncurrent loans | 265.9041% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 4,665 |
| Noncurrent loans to loans | 0.4861% | 4,207 |
| Net loans and leases to total assets | 70.5890% | 2,144 |
| Net loans and leases to deposits | 81.1975% | 2,580 |
| Net loans and leases to core deposits | 85.6086% | 2,724 |
| Total domestic deposits to total assets | 86.9349% | 2,319 |
| Equity capital to assets | 8.9944% | 5,292 |
| Core capital (leverage) ratio | 8.3101% | 5,767 |
| Tier 1 risk-based capital ratio | 9.0750% | 6,400 |
| Total risk-based capital ratio | 10.2300% | 6,400 |
| Memoranda: | ||
| Average total assets | $238,368,800 | 2,628 |
| Average earning assets | $225,837,200 | 2,568 |
| Average equity | $21,478,800 | 3,004 |
| Average total loans | $159,733,600 | 2,429 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9562% | 830 |
| Cost of funding earning assets | 0.3253% | 4,614 |
| Net interest margin | 4.6309% | 579 |
| Noninterest income to average assets | 0.4507% | 3,892 |
| Noninterest expense to average assets | 2.0050% | 5,769 |
| Loan and lease loss provision to assets | 0.2501% | 864 |
| Net operating income to assets | 2.5741% | 129 |
| Return on assets (ROA) | 2.6316% | 123 |
| Pretax return on assets | 2.6316% | 176 |
| Return on Equity (ROE) | 29.1897% | 67 |
| Retained earnings to average equity (ytd only) | 16.0549% | 166 |
| Net charge-offs to loans | -0.0612% | 5,986 |
| Credit loss provision to net charge-offs | -621.4286% | 5,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5189% | 6,427 |
| Assets per employee ($millions) | 8.0889% | 504 |
| Cash dividends to net income (ytd only)* | 44.9978% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 4,179 |
| Loan loss allowance to noncurrent loans | 223.3051% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 4,761 |
| Noncurrent loans to loans | 0.5411% | 4,306 |
| Net loans and leases to total assets | 71.0293% | 2,020 |
| Net loans and leases to deposits | 82.0355% | 2,420 |
| Net loans and leases to core deposits | 86.9261% | 2,554 |
| Total domestic deposits to total assets | 86.5836% | 2,538 |
| Equity capital to assets | 9.3981% | 4,923 |
| Core capital (leverage) ratio | 8.4984% | 5,661 |
| Tier 1 risk-based capital ratio | 9.4054% | 6,450 |
| Total risk-based capital ratio | 10.4768% | 6,451 |
| Memoranda: | ||
| Average total assets | $231,947,500 | 2,695 |
| Average earning assets | $219,304,250 | 2,645 |
| Average equity | $20,911,000 | 3,071 |
| Average total loans | $152,458,500 | 2,538 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 900 |
| Cost of funding earning assets | 0.3259% | 4,686 |
| Net interest margin | 4.5808% | 602 |
| Noninterest income to average assets | 0.5088% | 3,411 |
| Noninterest expense to average assets | 2.0379% | 5,754 |
| Loan and lease loss provision to assets | 0.2259% | 1,018 |
| Net operating income to assets | 2.5651% | 128 |
| Return on assets (ROA) | 2.6054% | 125 |
| Pretax return on assets | 2.6054% | 177 |
| Return on Equity (ROE) | 29.3402% | 63 |
| Retained earnings to average equity (ytd only) | 15.4048% | 194 |
| Net charge-offs to loans | -0.0358% | 5,748 |
| Credit loss provision to net charge-offs | -992.3077% | 5,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2017% | 6,474 |
| Assets per employee ($millions) | 7.7934% | 548 |
| Cash dividends to net income (ytd only)* | 47.4958% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 4,467 |
| Loan loss allowance to noncurrent loans | 117.4238% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 3,931 |
| Noncurrent loans to loans | 1.0135% | 3,205 |
| Net loans and leases to total assets | 67.0073% | 2,574 |
| Net loans and leases to deposits | 79.7034% | 2,557 |
| Net loans and leases to core deposits | 84.6856% | 2,660 |
| Total domestic deposits to total assets | 84.0708% | 3,900 |
| Equity capital to assets | 9.2698% | 5,011 |
| Core capital (leverage) ratio | 8.3563% | 5,792 |
| Tier 1 risk-based capital ratio | 9.9313% | 6,420 |
| Total risk-based capital ratio | 11.0035% | 6,442 |
| Memoranda: | ||
| Average total assets | $228,374,670 | 2,742 |
| Average earning assets | $215,375,000 | 2,684 |
| Average equity | $20,279,330 | 3,140 |
| Average total loans | $145,120,670 | 2,655 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8923% | 882 |
| Cost of funding earning assets | 0.3277% | 4,762 |
| Net interest margin | 4.5647% | 591 |
| Noninterest income to average assets | 0.3598% | 4,512 |
| Noninterest expense to average assets | 1.8399% | 6,159 |
| Loan and lease loss provision to assets | 0.2287% | 969 |
| Net operating income to assets | 2.5880% | 138 |
| Return on assets (ROA) | 2.6181% | 140 |
| Pretax return on assets | 2.6181% | 195 |
| Return on Equity (ROE) | 30.1698% | 64 |
| Retained earnings to average equity (ytd only) | 16.8926% | 225 |
| Net charge-offs to loans | -0.0289% | 5,535 |
| Credit loss provision to net charge-offs | -1,290.0000% | 5,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5128% | 6,600 |
| Assets per employee ($millions) | 7.6492% | 580 |
| Cash dividends to net income (ytd only)* | 44.0081% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 4,541 |
| Loan loss allowance to noncurrent loans | 205.9102% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 5,004 |
| Noncurrent loans to loans | 0.5933% | 4,384 |
| Net loans and leases to total assets | 61.3792% | 3,333 |
| Net loans and leases to deposits | 69.0103% | 3,737 |
| Net loans and leases to core deposits | 74.3389% | 3,613 |
| Total domestic deposits to total assets | 88.9422% | 1,702 |
| Equity capital to assets | 8.7491% | 5,393 |
| Core capital (leverage) ratio | 8.1908% | 5,957 |
| Tier 1 risk-based capital ratio | 10.3314% | 6,384 |
| Total risk-based capital ratio | 11.4058% | 6,400 |
| Memoranda: | ||
| Average total assets | $225,660,500 | 2,772 |
| Average earning assets | $212,413,500 | 2,726 |
| Average equity | $19,582,500 | 3,217 |
| Average total loans | $138,405,000 | 2,758 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 1,663 |
| Cost of funding earning assets | 0.3584% | 5,063 |
| Net interest margin | 4.3091% | 1,086 |
| Noninterest income to average assets | 0.3989% | 4,450 |
| Noninterest expense to average assets | 2.1709% | 5,693 |
| Loan and lease loss provision to assets | 0.1177% | 2,847 |
| Net operating income to assets | 2.1513% | 262 |
| Return on assets (ROA) | 2.1955% | 247 |
| Pretax return on assets | 2.1955% | 316 |
| Return on Equity (ROE) | 23.6627% | 160 |
| Retained earnings to average equity (ytd only) | 13.0872% | 241 |
| Net charge-offs to loans | -0.0026% | 5,868 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6409% | 6,464 |
| Assets per employee ($millions) | 7.1563% | 703 |
| Cash dividends to net income (ytd only)* | 44.6927% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 4,695 |
| Loan loss allowance to noncurrent loans | 185.3179% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 5,038 |
| Noncurrent loans to loans | 0.6445% | 4,368 |
| Net loans and leases to total assets | 59.7780% | 3,754 |
| Net loans and leases to deposits | 67.9220% | 4,066 |
| Net loans and leases to core deposits | 73.6038% | 3,882 |
| Total domestic deposits to total assets | 88.0097% | 2,177 |
| Equity capital to assets | 8.6042% | 5,475 |
| Core capital (leverage) ratio | 8.2394% | 5,941 |
| Tier 1 risk-based capital ratio | 10.4552% | 6,380 |
| Total risk-based capital ratio | 11.5171% | 6,399 |
| Memoranda: | ||
| Average total assets | $203,828,600 | 2,990 |
| Average earning assets | $191,153,200 | 2,939 |
| Average equity | $18,911,600 | 3,289 |
| Average total loans | $114,777,000 | 3,154 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 1,807 |
| Cost of funding earning assets | 0.3663% | 5,131 |
| Net interest margin | 4.2605% | 1,185 |
| Noninterest income to average assets | 0.4174% | 4,390 |
| Noninterest expense to average assets | 2.1599% | 5,703 |
| Loan and lease loss provision to assets | 0.1003% | 3,088 |
| Net operating income to assets | 2.1485% | 285 |
| Return on assets (ROA) | 2.2087% | 262 |
| Pretax return on assets | 2.2087% | 375 |
| Return on Equity (ROE) | 23.3341% | 163 |
| Retained earnings to average equity (ytd only) | 12.7341% | 360 |
| Net charge-offs to loans | 0.0036% | 5,131 |
| Credit loss provision to net charge-offs | 5,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 1,120.6375% | 37 |
| Efficiency ratio | 48.6421% | 6,472 |
| Assets per employee ($millions) | 6.7654% | 828 |
| Cash dividends to net income (ytd only)* | 45.4270% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 4,744 |
| Loan loss allowance to noncurrent loans | 165.4226% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 5,130 |
| Noncurrent loans to loans | 0.7432% | 4,361 |
| Net loans and leases to total assets | 57.7295% | 4,055 |
| Net loans and leases to deposits | 67.2501% | 4,146 |
| Net loans and leases to core deposits | 73.4050% | 3,919 |
| Total domestic deposits to total assets | 85.8431% | 3,344 |
| Equity capital to assets | 8.6474% | 5,571 |
| Core capital (leverage) ratio | 8.5166% | 5,752 |
| Tier 1 risk-based capital ratio | 10.7820% | 6,370 |
| Total risk-based capital ratio | 11.8565% | 6,392 |
| Memoranda: | ||
| Average total assets | $199,324,250 | 3,064 |
| Average earning assets | $186,733,750 | 3,027 |
| Average equity | $18,867,500 | 3,327 |
| Average total loans | $109,916,750 | 3,271 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6108% | 1,818 |
| Cost of funding earning assets | 0.3756% | 5,180 |
| Net interest margin | 4.2352% | 1,187 |
| Noninterest income to average assets | 0.4197% | 4,377 |
| Noninterest expense to average assets | 2.1158% | 5,837 |
| Loan and lease loss provision to assets | 0.0797% | 3,464 |
| Net operating income to assets | 2.1853% | 269 |
| Return on assets (ROA) | 2.2772% | 239 |
| Pretax return on assets | 2.2772% | 359 |
| Return on Equity (ROE) | 23.3369% | 163 |
| Retained earnings to average equity (ytd only) | 12.8719% | 398 |
| Net charge-offs to loans | -0.0170% | 5,914 |
| Credit loss provision to net charge-offs | -866.6667% | 6,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7622% | 6,550 |
| Assets per employee ($millions) | 6.6035% | 863 |
| Cash dividends to net income (ytd only)* | 44.8430% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 4,585 |
| Loan loss allowance to noncurrent loans | 151.3598% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 5,061 |
| Noncurrent loans to loans | 0.8480% | 4,225 |
| Net loans and leases to total assets | 56.1781% | 4,253 |
| Net loans and leases to deposits | 65.9034% | 4,275 |
| Net loans and leases to core deposits | 72.1657% | 4,015 |
| Total domestic deposits to total assets | 85.2431% | 3,771 |
| Equity capital to assets | 9.5152% | 4,559 |
| Core capital (leverage) ratio | 8.4493% | 5,723 |
| Tier 1 risk-based capital ratio | 11.2838% | 6,215 |
| Total risk-based capital ratio | 12.3919% | 6,247 |
| Memoranda: | ||
| Average total assets | $195,856,330 | 3,118 |
| Average earning assets | $183,177,670 | 3,073 |
| Average equity | $19,111,330 | 3,317 |
| Average total loans | $105,695,000 | 3,368 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 1,879 |
| Cost of funding earning assets | 0.3765% | 5,315 |
| Net interest margin | 4.2080% | 1,168 |
| Noninterest income to average assets | 0.4170% | 4,332 |
| Noninterest expense to average assets | 2.0171% | 6,070 |
| Loan and lease loss provision to assets | 0.0739% | 3,394 |
| Net operating income to assets | 2.2513% | 219 |
| Return on assets (ROA) | 2.3335% | 209 |
| Pretax return on assets | 2.3335% | 337 |
| Return on Equity (ROE) | 23.6150% | 150 |
| Retained earnings to average equity (ytd only) | 13.2211% | 527 |
| Net charge-offs to loans | -0.0274% | 5,861 |
| Credit loss provision to net charge-offs | -514.2857% | 5,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7900% | 6,702 |
| Assets per employee ($millions) | 6.2736% | 1,090 |
| Cash dividends to net income (ytd only)* | 44.0141% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 4,488 |
| Loan loss allowance to noncurrent loans | 123.0702% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 4,928 |
| Noncurrent loans to loans | 1.0938% | 3,953 |
| Net loans and leases to total assets | 52.8709% | 4,575 |
| Net loans and leases to deposits | 62.1558% | 4,522 |
| Net loans and leases to core deposits | 68.1918% | 4,281 |
| Total domestic deposits to total assets | 85.0619% | 4,010 |
| Equity capital to assets | 9.9546% | 4,203 |
| Core capital (leverage) ratio | 8.2047% | 5,929 |
| Tier 1 risk-based capital ratio | 11.6921% | 6,089 |
| Total risk-based capital ratio | 12.8419% | 6,103 |
| Memoranda: | ||
| Average total assets | $194,732,500 | 3,162 |
| Average earning assets | $181,656,000 | 3,121 |
| Average equity | $19,242,000 | 3,344 |
| Average total loans | $102,173,500 | 3,458 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5789% | 3,083 |
| Cost of funding earning assets | 0.4561% | 5,535 |
| Net interest margin | 4.1228% | 1,908 |
| Noninterest income to average assets | 0.4463% | 4,273 |
| Noninterest expense to average assets | 2.2041% | 5,917 |
| Loan and lease loss provision to assets | 0.0613% | 5,007 |
| Net operating income to assets | 2.0309% | 338 |
| Return on assets (ROA) | 2.5875% | 152 |
| Pretax return on assets | 2.5875% | 229 |
| Return on Equity (ROE) | 25.7433% | 110 |
| Retained earnings to average equity (ytd only) | 16.3108% | 115 |
| Net charge-offs to loans | 0.0855% | 4,826 |
| Credit loss provision to net charge-offs | 159.0909% | 1,690 |
| Earnings coverage of net charge-offs (x) | 54.3333% | 642 |
| Efficiency ratio | 50.5568% | 6,552 |
| Assets per employee ($millions) | 6.4994% | 1,001 |
| Cash dividends to net income (ytd only)* | 36.6404% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 4,360 |
| Loan loss allowance to noncurrent loans | 140.0618% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 5,230 |
| Noncurrent loans to loans | 0.9698% | 4,255 |
| Net loans and leases to total assets | 50.6503% | 5,086 |
| Net loans and leases to deposits | 61.0807% | 4,902 |
| Net loans and leases to core deposits | 67.1579% | 4,626 |
| Total domestic deposits to total assets | 82.9236% | 4,753 |
| Equity capital to assets | 9.8081% | 4,441 |
| Core capital (leverage) ratio | 8.3475% | 5,830 |
| Tier 1 risk-based capital ratio | 11.5147% | 6,093 |
| Total risk-based capital ratio | 12.6440% | 6,135 |
| Memoranda: | ||
| Average total assets | $171,404,200 | 3,434 |
| Average earning assets | $160,060,400 | 3,377 |
| Average equity | $17,227,800 | 3,584 |
| Average total loans | $77,231,600 | 4,117 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 3,304 |
| Cost of funding earning assets | 0.4817% | 5,557 |
| Net interest margin | 4.0938% | 2,112 |
| Noninterest income to average assets | 0.4705% | 4,133 |
| Noninterest expense to average assets | 2.2032% | 5,941 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0945% | 336 |
| Return on assets (ROA) | 2.8187% | 129 |
| Pretax return on assets | 2.8187% | 186 |
| Return on Equity (ROE) | 27.8458% | 99 |
| Retained earnings to average equity (ytd only) | 18.1447% | 119 |
| Net charge-offs to loans | 0.1398% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 34.6658% | 977 |
| Efficiency ratio | 50.4967% | 6,548 |
| Assets per employee ($millions) | 5.8979% | 1,308 |
| Cash dividends to net income (ytd only)* | 34.8384% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 4,019 |
| Loan loss allowance to noncurrent loans | 131.1579% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 5,334 |
| Noncurrent loans to loans | 1.1314% | 4,165 |
| Net loans and leases to total assets | 46.7505% | 5,684 |
| Net loans and leases to deposits | 55.1695% | 5,704 |
| Net loans and leases to core deposits | 61.0144% | 5,452 |
| Total domestic deposits to total assets | 84.7398% | 3,862 |
| Equity capital to assets | 10.2715% | 4,106 |
| Core capital (leverage) ratio | 8.4906% | 5,763 |
| Tier 1 risk-based capital ratio | 12.8095% | 5,400 |
| Total risk-based capital ratio | 14.0025% | 5,403 |
| Memoranda: | ||
| Average total assets | $165,509,750 | 3,560 |
| Average earning assets | $154,735,000 | 3,506 |
| Average equity | $16,753,750 | 3,699 |
| Average total loans | $71,509,750 | 4,342 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 3,235 |
| Cost of funding earning assets | 0.4997% | 5,622 |
| Net interest margin | 4.1288% | 1,977 |
| Noninterest income to average assets | 0.4725% | 4,113 |
| Noninterest expense to average assets | 2.2437% | 5,895 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.0816% | 346 |
| Return on assets (ROA) | 3.0810% | 100 |
| Pretax return on assets | 3.0810% | 145 |
| Return on Equity (ROE) | 30.6013% | 74 |
| Retained earnings to average equity (ytd only) | 20.6261% | 93 |
| Net charge-offs to loans | -0.0742% | 6,784 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0723% | 6,576 |
| Assets per employee ($millions) | 5.6274% | 1,498 |
| Cash dividends to net income (ytd only)* | 32.5974% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 2,735 |
| Loan loss allowance to noncurrent loans | 133.6643% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 5,282 |
| Noncurrent loans to loans | 1.3756% | 3,856 |
| Net loans and leases to total assets | 42.5640% | 6,145 |
| Net loans and leases to deposits | 48.8823% | 6,255 |
| Net loans and leases to core deposits | 54.2731% | 6,074 |
| Total domestic deposits to total assets | 87.0745% | 2,732 |
| Equity capital to assets | 9.8530% | 4,545 |
| Core capital (leverage) ratio | 8.3492% | 5,850 |
| Tier 1 risk-based capital ratio | 13.7318% | 4,634 |
| Total risk-based capital ratio | 15.1035% | 4,531 |
| Memoranda: | ||
| Average total assets | $161,700,670 | 3,631 |
| Average earning assets | $150,891,670 | 3,584 |
| Average equity | $16,280,330 | 3,761 |
| Average total loans | $67,358,000 | 4,508 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 3,724 |
| Cost of funding earning assets | 0.5178% | 5,699 |
| Net interest margin | 4.0313% | 2,366 |
| Noninterest income to average assets | 0.4831% | 4,035 |
| Noninterest expense to average assets | 2.3397% | 5,664 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9046% | 493 |
| Return on assets (ROA) | 2.7065% | 165 |
| Pretax return on assets | 2.7065% | 254 |
| Return on Equity (ROE) | 26.5781% | 147 |
| Retained earnings to average equity (ytd only) | 16.4933% | 338 |
| Net charge-offs to loans | -0.1366% | 6,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2908% | 6,317 |
| Assets per employee ($millions) | 5.0894% | 2,138 |
| Cash dividends to net income (ytd only)* | 37.9439% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0519% | 2,214 |
| Loan loss allowance to noncurrent loans | 116.4788% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 5,131 |
| Noncurrent loans to loans | 1.7617% | 3,467 |
| Net loans and leases to total assets | 39.3633% | 6,399 |
| Net loans and leases to deposits | 45.2050% | 6,481 |
| Net loans and leases to core deposits | 50.9582% | 6,277 |
| Total domestic deposits to total assets | 87.0772% | 2,914 |
| Equity capital to assets | 9.8219% | 4,343 |
| Core capital (leverage) ratio | 8.2574% | 5,946 |
| Tier 1 risk-based capital ratio | 14.1834% | 4,332 |
| Total risk-based capital ratio | 15.5697% | 4,203 |
| Memoranda: | ||
| Average total assets | $158,140,500 | 3,719 |
| Average earning assets | $147,545,000 | 3,668 |
| Average equity | $16,103,500 | 3,794 |
| Average total loans | $64,435,500 | 4,646 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 3,962 |
| Cost of funding earning assets | 0.6908% | 5,600 |
| Net interest margin | 4.0735% | 2,553 |
| Noninterest income to average assets | 0.9427% | 1,529 |
| Noninterest expense to average assets | 2.5076% | 5,447 |
| Loan and lease loss provision to assets | 0.0171% | 6,348 |
| Net operating income to assets | 2.1801% | 233 |
| Return on assets (ROA) | 2.4091% | 165 |
| Pretax return on assets | 2.4091% | 250 |
| Return on Equity (ROE) | 24.8265% | 109 |
| Retained earnings to average equity (ytd only) | 17.9359% | 72 |
| Net charge-offs to loans | -0.1411% | 7,179 |
| Credit loss provision to net charge-offs | -28.9157% | 6,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4647% | 6,664 |
| Assets per employee ($millions) | 4.6491% | 2,686 |
| Cash dividends to net income (ytd only)* | 27.7547% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0829% | 2,056 |
| Loan loss allowance to noncurrent loans | 106.1897% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 5,008 |
| Noncurrent loans to loans | 1.9615% | 3,260 |
| Net loans and leases to total assets | 40.4769% | 6,511 |
| Net loans and leases to deposits | 46.9459% | 6,571 |
| Net loans and leases to core deposits | 53.2873% | 6,353 |
| Total domestic deposits to total assets | 86.2203% | 3,185 |
| Equity capital to assets | 10.5664% | 3,455 |
| Core capital (leverage) ratio | 8.2815% | 5,878 |
| Tier 1 risk-based capital ratio | 14.3720% | 4,062 |
| Total risk-based capital ratio | 15.7432% | 3,959 |
| Memoranda: | ||
| Average total assets | $140,132,600 | 3,974 |
| Average earning assets | $129,422,600 | 3,945 |
| Average equity | $13,598,400 | 4,218 |
| Average total loans | $58,810,200 | 4,911 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8296% | 3,887 |
| Cost of funding earning assets | 0.7336% | 5,571 |
| Net interest margin | 4.0959% | 2,492 |
| Noninterest income to average assets | 1.0954% | 1,110 |
| Noninterest expense to average assets | 2.5553% | 5,258 |
| Loan and lease loss provision to assets | 0.0234% | 6,156 |
| Net operating income to assets | 2.2873% | 213 |
| Return on assets (ROA) | 2.3731% | 198 |
| Pretax return on assets | 2.3731% | 312 |
| Return on Equity (ROE) | 25.0794% | 127 |
| Retained earnings to average equity (ytd only) | 17.8388% | 117 |
| Net charge-offs to loans | -0.2706% | 7,292 |
| Credit loss provision to net charge-offs | -20.5128% | 6,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6924% | 6,707 |
| Assets per employee ($millions) | 4.4727% | 2,961 |
| Cash dividends to net income (ytd only)* | 28.8706% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3269% | 1,646 |
| Loan loss allowance to noncurrent loans | 102.5738% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9594% | 4,820 |
| Noncurrent loans to loans | 2.2685% | 3,031 |
| Net loans and leases to total assets | 38.5355% | 6,742 |
| Net loans and leases to deposits | 45.4653% | 6,762 |
| Net loans and leases to core deposits | 51.9078% | 6,571 |
| Total domestic deposits to total assets | 84.7580% | 3,886 |
| Equity capital to assets | 10.4703% | 3,742 |
| Core capital (leverage) ratio | 8.2311% | 6,088 |
| Tier 1 risk-based capital ratio | 14.6456% | 3,873 |
| Total risk-based capital ratio | 16.0227% | 3,766 |
| Memoranda: | ||
| Average total assets | $136,810,500 | 4,061 |
| Average earning assets | $125,943,250 | 4,040 |
| Average equity | $12,945,250 | 4,361 |
| Average total loans | $57,657,500 | 5,010 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 3,633 |
| Cost of funding earning assets | 0.7733% | 5,543 |
| Net interest margin | 4.1246% | 2,318 |
| Noninterest income to average assets | 0.5630% | 3,378 |
| Noninterest expense to average assets | 2.6318% | 5,074 |
| Loan and lease loss provision to assets | 0.0360% | 5,865 |
| Net operating income to assets | 1.6830% | 621 |
| Return on assets (ROA) | 1.8151% | 518 |
| Pretax return on assets | 1.8151% | 849 |
| Return on Equity (ROE) | 19.9686% | 311 |
| Retained earnings to average equity (ytd only) | 12.2223% | 496 |
| Net charge-offs to loans | -0.4316% | 7,382 |
| Credit loss provision to net charge-offs | -19.3548% | 6,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5238% | 5,942 |
| Assets per employee ($millions) | 4.2648% | 3,228 |
| Cash dividends to net income (ytd only)* | 38.7924% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3159% | 1,717 |
| Loan loss allowance to noncurrent loans | 103.8110% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 4,329 |
| Noncurrent loans to loans | 2.2309% | 3,186 |
| Net loans and leases to total assets | 40.8194% | 6,682 |
| Net loans and leases to deposits | 47.5996% | 6,747 |
| Net loans and leases to core deposits | 54.6156% | 6,521 |
| Total domestic deposits to total assets | 85.7557% | 3,465 |
| Equity capital to assets | 9.2925% | 5,145 |
| Core capital (leverage) ratio | 7.7371% | 6,558 |
| Tier 1 risk-based capital ratio | 13.6627% | 4,408 |
| Total risk-based capital ratio | 15.0839% | 4,256 |
| Memoranda: | ||
| Average total assets | $133,214,330 | 4,159 |
| Average earning assets | $122,340,330 | 4,140 |
| Average equity | $12,109,000 | 4,527 |
| Average total loans | $57,465,670 | 5,063 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8387% | 3,877 |
| Cost of funding earning assets | 0.7997% | 5,578 |
| Net interest margin | 4.0390% | 2,520 |
| Noninterest income to average assets | 0.5840% | 3,278 |
| Noninterest expense to average assets | 2.6759% | 4,935 |
| Loan and lease loss provision to assets | 0.0556% | 5,309 |
| Net operating income to assets | 1.5666% | 748 |
| Return on assets (ROA) | 1.5759% | 770 |
| Pretax return on assets | 1.5759% | 1,241 |
| Return on Equity (ROE) | 17.5491% | 521 |
| Retained earnings to average equity (ytd only) | 9.4972% | 1,239 |
| Net charge-offs to loans | -0.0563% | 6,920 |
| Credit loss provision to net charge-offs | -225.0000% | 5,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2509% | 5,800 |
| Assets per employee ($millions) | 4.1589% | 3,528 |
| Cash dividends to net income (ytd only)* | 45.8824% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2233% | 1,905 |
| Loan loss allowance to noncurrent loans | 77.6942% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.1992% | 4,556 |
| Noncurrent loans to loans | 2.8617% | 2,636 |
| Net loans and leases to total assets | 40.9756% | 6,704 |
| Net loans and leases to deposits | 47.0039% | 6,798 |
| Net loans and leases to core deposits | 53.9734% | 6,560 |
| Total domestic deposits to total assets | 87.1750% | 2,846 |
| Equity capital to assets | 9.1363% | 4,974 |
| Core capital (leverage) ratio | 7.9329% | 6,324 |
| Tier 1 risk-based capital ratio | 14.1029% | 4,003 |
| Total risk-based capital ratio | 15.5211% | 3,851 |
| Memoranda: | ||
| Average total assets | $129,453,000 | 4,269 |
| Average earning assets | $119,040,000 | 4,240 |
| Average equity | $11,624,500 | 4,640 |
| Average total loans | $56,793,500 | 5,138 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 3,756 |
| Cost of funding earning assets | 1.0373% | 5,501 |
| Net interest margin | 4.1312% | 2,445 |
| Noninterest income to average assets | 0.6265% | 3,307 |
| Noninterest expense to average assets | 3.0319% | 3,724 |
| Loan and lease loss provision to assets | 0.1040% | 6,101 |
| Net operating income to assets | 1.2521% | 1,289 |
| Return on assets (ROA) | 1.2660% | 1,318 |
| Pretax return on assets | 1.2660% | 2,026 |
| Return on Equity (ROE) | 12.8273% | 1,135 |
| Retained earnings to average equity (ytd only) | 4.7323% | 2,589 |
| Net charge-offs to loans | 0.3429% | 4,295 |
| Credit loss provision to net charge-offs | 60.6061% | 6,070 |
| Earnings coverage of net charge-offs (x) | 7.9040% | 2,045 |
| Efficiency ratio | 68.0095% | 4,562 |
| Assets per employee ($millions) | 3.9319% | 3,935 |
| Cash dividends to net income (ytd only)* | 63.1075% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0998% | 2,075 |
| Loan loss allowance to noncurrent loans | 72.7382% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.3384% | 4,344 |
| Noncurrent loans to loans | 2.8868% | 2,635 |
| Net loans and leases to total assets | 44.9850% | 6,637 |
| Net loans and leases to deposits | 51.5116% | 6,779 |
| Net loans and leases to core deposits | 59.7871% | 6,409 |
| Total domestic deposits to total assets | 87.3297% | 2,648 |
| Equity capital to assets | 8.8140% | 5,413 |
| Core capital (leverage) ratio | 7.9993% | 6,205 |
| Tier 1 risk-based capital ratio | 13.7640% | 4,010 |
| Total risk-based capital ratio | 15.1536% | 3,903 |
| Memoranda: | ||
| Average total assets | $115,405,600 | 4,584 |
| Average earning assets | $105,078,600 | 4,589 |
| Average equity | $11,389,800 | 4,766 |
| Average total loans | $57,737,800 | 5,170 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2498% | 3,577 |
| Cost of funding earning assets | 1.0911% | 5,476 |
| Net interest margin | 4.1587% | 2,371 |
| Noninterest income to average assets | 0.6666% | 3,034 |
| Noninterest expense to average assets | 3.1157% | 3,260 |
| Loan and lease loss provision to assets | 0.1064% | 5,972 |
| Net operating income to assets | 1.2198% | 1,535 |
| Return on assets (ROA) | 1.2387% | 1,573 |
| Pretax return on assets | 1.2387% | 2,367 |
| Return on Equity (ROE) | 12.1878% | 1,448 |
| Retained earnings to average equity (ytd only) | 1.9654% | 4,973 |
| Net charge-offs to loans | 0.0577% | 5,940 |
| Credit loss provision to net charge-offs | 360.0000% | 861 |
| Earnings coverage of net charge-offs (x) | 44.8833% | 622 |
| Efficiency ratio | 69.0527% | 4,256 |
| Assets per employee ($millions) | 3.6252% | 4,677 |
| Cash dividends to net income (ytd only)* | 83.8739% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4149% | 1,452 |
| Loan loss allowance to noncurrent loans | 68.3627% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.6718% | 3,943 |
| Noncurrent loans to loans | 3.5325% | 2,228 |
| Net loans and leases to total assets | 45.8376% | 6,711 |
| Net loans and leases to deposits | 53.5487% | 6,796 |
| Net loans and leases to core deposits | 60.5120% | 6,570 |
| Total domestic deposits to total assets | 85.5999% | 3,292 |
| Equity capital to assets | 10.2273% | 3,842 |
| Core capital (leverage) ratio | 8.2033% | 6,032 |
| Tier 1 risk-based capital ratio | 13.8762% | 3,937 |
| Total risk-based capital ratio | 15.2607% | 3,798 |
| Memoranda: | ||
| Average total assets | $112,801,500 | 4,698 |
| Average earning assets | $102,402,000 | 4,711 |
| Average equity | $11,464,750 | 4,816 |
| Average total loans | $57,718,500 | 5,246 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2861% | 3,531 |
| Cost of funding earning assets | 1.1225% | 5,562 |
| Net interest margin | 4.1636% | 2,281 |
| Noninterest income to average assets | 0.6750% | 2,849 |
| Noninterest expense to average assets | 3.0310% | 3,592 |
| Loan and lease loss provision to assets | 0.1086% | 5,825 |
| Net operating income to assets | 1.3210% | 1,257 |
| Return on assets (ROA) | 1.3210% | 1,328 |
| Pretax return on assets | 1.3210% | 2,025 |
| Return on Equity (ROE) | 13.0264% | 1,234 |
| Retained earnings to average equity (ytd only) | -1.8915% | 6,128 |
| Net charge-offs to loans | 0.0240% | 6,003 |
| Credit loss provision to net charge-offs | 857.1429% | 434 |
| Earnings coverage of net charge-offs (x) | 112.8571% | 293 |
| Efficiency ratio | 66.8154% | 4,815 |
| Assets per employee ($millions) | 3.5426% | 4,811 |
| Cash dividends to net income (ytd only)* | 114.5205% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2874% | 1,606 |
| Loan loss allowance to noncurrent loans | 48.7319% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 2.4347% | 2,958 |
| Noncurrent loans to loans | 4.6938% | 1,522 |
| Net loans and leases to total assets | 50.6837% | 6,355 |
| Net loans and leases to deposits | 59.2177% | 6,482 |
| Net loans and leases to core deposits | 66.7232% | 6,187 |
| Total domestic deposits to total assets | 85.5886% | 3,321 |
| Equity capital to assets | 10.0695% | 3,926 |
| Core capital (leverage) ratio | 8.3158% | 5,733 |
| Tier 1 risk-based capital ratio | 13.4569% | 4,095 |
| Total risk-based capital ratio | 14.8344% | 3,976 |
| Memoranda: | ||
| Average total assets | $110,525,000 | 4,788 |
| Average earning assets | $100,489,670 | 4,794 |
| Average equity | $11,208,000 | 4,879 |
| Average total loans | $58,227,000 | 5,261 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4248% | 2,921 |
| Cost of funding earning assets | 1.1325% | 5,749 |
| Net interest margin | 4.2923% | 1,711 |
| Noninterest income to average assets | 0.6672% | 2,834 |
| Noninterest expense to average assets | 3.1382% | 3,113 |
| Loan and lease loss provision to assets | 0.1100% | 5,522 |
| Net operating income to assets | 1.3235% | 1,240 |
| Return on assets (ROA) | 1.3235% | 1,314 |
| Pretax return on assets | 1.3235% | 1,988 |
| Return on Equity (ROE) | 13.0037% | 1,253 |
| Retained earnings to average equity (ytd only) | -14.0123% | 7,175 |
| Net charge-offs to loans | 0.0276% | 5,181 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 97.7500% | 331 |
| Efficiency ratio | 67.5221% | 4,817 |
| Assets per employee ($millions) | 3.3884% | 5,320 |
| Cash dividends to net income (ytd only)* | 207.7562% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2516% | 1,658 |
| Loan loss allowance to noncurrent loans | 55.2389% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 2.2005% | 3,274 |
| Noncurrent loans to loans | 4.0762% | 1,915 |
| Net loans and leases to total assets | 52.7696% | 6,187 |
| Net loans and leases to deposits | 61.8569% | 6,288 |
| Net loans and leases to core deposits | 70.1154% | 5,907 |
| Total domestic deposits to total assets | 85.3091% | 3,503 |
| Equity capital to assets | 10.1155% | 3,729 |
| Core capital (leverage) ratio | 8.1436% | 6,001 |
| Tier 1 risk-based capital ratio | 13.2212% | 4,194 |
| Total risk-based capital ratio | 14.6136% | 4,038 |
| Memoranda: | ||
| Average total assets | $109,106,500 | 4,896 |
| Average earning assets | $99,248,000 | 4,899 |
| Average equity | $11,104,500 | 4,953 |
| Average total loans | $57,940,000 | 5,341 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7641% | 2,802 |
| Cost of funding earning assets | 1.4038% | 5,922 |
| Net interest margin | 4.3603% | 1,543 |
| Noninterest income to average assets | 0.7334% | 2,769 |
| Noninterest expense to average assets | 3.2063% | 3,357 |
| Loan and lease loss provision to assets | 0.2821% | 5,164 |
| Net operating income to assets | 1.2082% | 1,227 |
| Return on assets (ROA) | 1.4038% | 906 |
| Pretax return on assets | 1.4038% | 1,432 |
| Return on Equity (ROE) | 14.1915% | 753 |
| Retained earnings to average equity (ytd only) | 6.9199% | 990 |
| Net charge-offs to loans | 1.4109% | 1,778 |
| Credit loss provision to net charge-offs | 38.2653% | 6,844 |
| Earnings coverage of net charge-offs (x) | 2.0217% | 4,208 |
| Efficiency ratio | 67.1672% | 5,150 |
| Assets per employee ($millions) | 3.4308% | 5,178 |
| Cash dividends to net income (ytd only)* | 51.2391% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2530% | 1,561 |
| Loan loss allowance to noncurrent loans | 53.3443% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 2.2061% | 3,118 |
| Noncurrent loans to loans | 4.2236% | 1,723 |
| Net loans and leases to total assets | 51.0571% | 6,521 |
| Net loans and leases to deposits | 61.4515% | 6,518 |
| Net loans and leases to core deposits | 80.1926% | 6,078 |
| Total domestic deposits to total assets | 83.0851% | 4,487 |
| Equity capital to assets | 10.2391% | 3,471 |
| Core capital (leverage) ratio | 8.5692% | 5,155 |
| Tier 1 risk-based capital ratio | 13.6985% | 3,686 |
| Total risk-based capital ratio | 15.0726% | 3,557 |
| Memoranda: | ||
| Average total assets | $106,354,400 | 4,918 |
| Average earning assets | $96,668,000 | 4,932 |
| Average equity | $10,520,400 | 5,157 |
| Average total loans | $55,566,400 | 5,436 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8177% | 2,812 |
| Cost of funding earning assets | 1.4680% | 5,966 |
| Net interest margin | 4.3498% | 1,586 |
| Noninterest income to average assets | 0.7469% | 2,726 |
| Noninterest expense to average assets | 3.1431% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5583% | 726 |
| Return on assets (ROA) | 1.7934% | 481 |
| Pretax return on assets | 1.7934% | 813 |
| Return on Equity (ROE) | 18.2969% | 429 |
| Retained earnings to average equity (ytd only) | 9.7997% | 674 |
| Net charge-offs to loans | 0.6192% | 2,821 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 4.8165% | 3,002 |
| Efficiency ratio | 65.7527% | 5,412 |
| Assets per employee ($millions) | 3.3602% | 5,234 |
| Cash dividends to net income (ytd only)* | 46.4410% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7936% | 795 |
| Loan loss allowance to noncurrent loans | 55.1524% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.5631% | 2,709 |
| Noncurrent loans to loans | 5.0652% | 1,287 |
| Net loans and leases to total assets | 49.1886% | 6,851 |
| Net loans and leases to deposits | 59.7611% | 6,844 |
| Net loans and leases to core deposits | 75.8664% | 6,623 |
| Total domestic deposits to total assets | 82.3086% | 4,538 |
| Equity capital to assets | 10.2012% | 3,843 |
| Core capital (leverage) ratio | 8.7986% | 4,978 |
| Tier 1 risk-based capital ratio | 14.4389% | 3,309 |
| Total risk-based capital ratio | 15.7992% | 3,200 |
| Memoranda: | ||
| Average total assets | $105,496,750 | 4,972 |
| Average earning assets | $95,911,000 | 4,982 |
| Average equity | $10,340,250 | 5,245 |
| Average total loans | $55,121,750 | 5,506 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8897% | 2,632 |
| Cost of funding earning assets | 1.5391% | 5,979 |
| Net interest margin | 4.3506% | 1,520 |
| Noninterest income to average assets | 0.7193% | 2,871 |
| Noninterest expense to average assets | 3.1826% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4902% | 856 |
| Return on assets (ROA) | 1.4902% | 915 |
| Pretax return on assets | 1.4902% | 1,473 |
| Return on Equity (ROE) | 15.4185% | 765 |
| Retained earnings to average equity (ytd only) | 4.5012% | 2,789 |
| Net charge-offs to loans | 0.1409% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 20.0256% | 1,333 |
| Efficiency ratio | 67.0069% | 5,361 |
| Assets per employee ($millions) | 3.1681% | 5,667 |
| Cash dividends to net income (ytd only)* | 70.8067% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1748% | 493 |
| Loan loss allowance to noncurrent loans | 56.8762% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 3.0943% | 2,030 |
| Noncurrent loans to loans | 5.5820% | 1,032 |
| Net loans and leases to total assets | 50.6715% | 6,808 |
| Net loans and leases to deposits | 59.3205% | 6,944 |
| Net loans and leases to core deposits | 73.8894% | 6,801 |
| Total domestic deposits to total assets | 85.4198% | 3,054 |
| Equity capital to assets | 9.9191% | 4,059 |
| Core capital (leverage) ratio | 8.3102% | 5,781 |
| Tier 1 risk-based capital ratio | 14.1279% | 3,441 |
| Total risk-based capital ratio | 15.5078% | 3,308 |
| Memoranda: | ||
| Average total assets | $104,820,000 | 5,021 |
| Average earning assets | $95,251,330 | 5,031 |
| Average equity | $10,130,670 | 5,329 |
| Average total loans | $55,358,670 | 5,541 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0585% | 2,117 |
| Cost of funding earning assets | 1.5796% | 6,117 |
| Net interest margin | 4.4789% | 1,178 |
| Noninterest income to average assets | 0.7089% | 2,833 |
| Noninterest expense to average assets | 3.2013% | 2,982 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5816% | 810 |
| Return on assets (ROA) | 1.5816% | 890 |
| Pretax return on assets | 1.5816% | 1,454 |
| Return on Equity (ROE) | 16.5818% | 742 |
| Retained earnings to average equity (ytd only) | 2.9967% | 4,208 |
| Net charge-offs to loans | -0.0790% | 7,821 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8167% | 5,358 |
| Assets per employee ($millions) | 3.2212% | 5,544 |
| Cash dividends to net income (ytd only)* | 81.9277% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2486% | 391 |
| Loan loss allowance to noncurrent loans | 58.4560% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 2.9239% | 1,945 |
| Noncurrent loans to loans | 5.5573% | 916 |
| Net loans and leases to total assets | 50.0687% | 6,859 |
| Net loans and leases to deposits | 58.3261% | 7,013 |
| Net loans and leases to core deposits | 72.5511% | 6,882 |
| Total domestic deposits to total assets | 85.8426% | 2,799 |
| Equity capital to assets | 9.5703% | 4,569 |
| Core capital (leverage) ratio | 8.2541% | 5,989 |
| Tier 1 risk-based capital ratio | 13.7854% | 3,706 |
| Total risk-based capital ratio | 15.1021% | 3,591 |
| Memoranda: | ||
| Average total assets | $104,957,000 | 5,043 |
| Average earning assets | $95,469,500 | 5,038 |
| Average equity | $10,011,000 | 5,385 |
| Average total loans | $55,682,000 | 5,556 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5911% | 2,532 |
| Cost of funding earning assets | 2.1687% | 5,737 |
| Net interest margin | 4.4224% | 1,619 |
| Noninterest income to average assets | 0.7387% | 2,852 |
| Noninterest expense to average assets | 3.1919% | 3,367 |
| Loan and lease loss provision to assets | 0.3082% | 3,906 |
| Net operating income to assets | 1.1943% | 1,791 |
| Return on assets (ROA) | 1.1943% | 1,722 |
| Pretax return on assets | 1.1943% | 2,663 |
| Return on Equity (ROE) | 13.3753% | 1,246 |
| Retained earnings to average equity (ytd only) | 7.6800% | 931 |
| Net charge-offs to loans | 0.8802% | 1,410 |
| Credit loss provision to net charge-offs | 58.6081% | 6,247 |
| Earnings coverage of net charge-offs (x) | 2.8571% | 4,645 |
| Efficiency ratio | 66.8650% | 4,930 |
| Assets per employee ($millions) | 3.0475% | 5,936 |
| Cash dividends to net income (ytd only)* | 42.5806% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1515% | 382 |
| Loan loss allowance to noncurrent loans | 60.2238% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 2.8615% | 1,638 |
| Noncurrent loans to loans | 5.2329% | 810 |
| Net loans and leases to total assets | 52.6743% | 6,778 |
| Net loans and leases to deposits | 61.4096% | 6,995 |
| Net loans and leases to core deposits | 76.8177% | 6,808 |
| Total domestic deposits to total assets | 85.7754% | 2,506 |
| Equity capital to assets | 9.5053% | 4,686 |
| Core capital (leverage) ratio | 8.2270% | 6,113 |
| Tier 1 risk-based capital ratio | 13.6244% | 3,742 |
| Total risk-based capital ratio | 14.9886% | 3,592 |
| Memoranda: | ||
| Average total assets | $103,825,200 | 4,939 |
| Average earning assets | $92,867,800 | 5,006 |
| Average equity | $9,270,800 | 5,646 |
| Average total loans | $62,034,600 | 5,180 |