Home > Goodfield State Bank > Performance and Condition Ratios
Goodfield State 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 | 4.9296% | 2,219 |
| Cost of funding earning assets | 1.0010% | 3,288 |
| Net interest margin | 3.9286% | 1,315 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 2.4231% | 2,517 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.1856% | 348 |
| Return on assets (ROA) | 2.1841% | 339 |
| Pretax return on assets | 2.2162% | 484 |
| Return on Equity (ROE) | 20.7100% | 552 |
| Retained earnings to average equity (ytd only) | 10.5846% | 884 |
| Net charge-offs to loans | 0.0170% | 2,033 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 164.5185% | 674 |
| Efficiency ratio | 51.7016% | 3,860 |
| Assets per employee ($millions) | 6.5892% | 2,351 |
| Cash dividends to net income (ytd only)* | 48.8801% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,219 |
| Loan loss allowance to noncurrent loans | 154.6212% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 833 |
| Noncurrent loans to loans | 0.7849% | 989 |
| Net loans and leases to total assets | 81.3300% | 494 |
| Net loans and leases to deposits | 92.7596% | 1,033 |
| Net loans and leases to core deposits | 103.1954% | 1,260 |
| Total domestic deposits to total assets | 87.6800% | 1,458 |
| Equity capital to assets | 10.9646% | 1,499 |
| Core capital (leverage) ratio | 12.3103% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1508% | 1,496 |
| Memoranda: | ||
| Average total assets | $196,240,200 | 3,010 |
| Average earning assets | $183,117,600 | 2,986 |
| Average equity | $20,699,800 | 2,798 |
| Average total loans | $158,778,000 | 2,610 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7868% | 2,294 |
| Cost of funding earning assets | 0.8740% | 3,334 |
| Net interest margin | 3.9128% | 1,371 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.3181% | 2,737 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.2543% | 348 |
| Return on assets (ROA) | 2.2522% | 342 |
| Pretax return on assets | 2.2852% | 491 |
| Return on Equity (ROE) | 21.5800% | 594 |
| Retained earnings to average equity (ytd only) | 7.7990% | 2,039 |
| Net charge-offs to loans | -0.0051% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.6691% | 3,938 |
| Assets per employee ($millions) | 6.3601% | 2,442 |
| Cash dividends to net income (ytd only)* | 63.8525% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 1,979 |
| Loan loss allowance to noncurrent loans | 122.4454% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.8587% | 635 |
| Noncurrent loans to loans | 1.0426% | 772 |
| Net loans and leases to total assets | 81.3100% | 495 |
| Net loans and leases to deposits | 90.9561% | 1,147 |
| Net loans and leases to core deposits | 101.4376% | 1,242 |
| Total domestic deposits to total assets | 89.3900% | 1,120 |
| Equity capital to assets | 10.3782% | 1,608 |
| Core capital (leverage) ratio | 11.9856% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3968% | 1,449 |
| Memoranda: | ||
| Average total assets | $194,233,750 | 3,030 |
| Average earning assets | $181,383,250 | 3,007 |
| Average equity | $20,275,500 | 2,820 |
| Average total loans | $156,430,750 | 2,630 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 2,398 |
| Cost of funding earning assets | 0.7098% | 3,458 |
| Net interest margin | 3.8994% | 1,429 |
| Noninterest income to average assets | 0.9900% | 576 |
| Noninterest expense to average assets | 2.3326% | 2,706 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 2.1722% | 370 |
| Return on assets (ROA) | 2.1722% | 362 |
| Pretax return on assets | 2.2033% | 533 |
| Return on Equity (ROE) | 20.7700% | 634 |
| Retained earnings to average equity (ytd only) | 5.2342% | 2,883 |
| Net charge-offs to loans | -0.0181% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.3912% | 3,890 |
| Assets per employee ($millions) | 6.2888% | 2,472 |
| Cash dividends to net income (ytd only)* | 74.7975% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 1,958 |
| Loan loss allowance to noncurrent loans | 137.9973% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 658 |
| Noncurrent loans to loans | 0.9364% | 815 |
| Net loans and leases to total assets | 81.5300% | 469 |
| Net loans and leases to deposits | 93.1920% | 938 |
| Net loans and leases to core deposits | 101.1364% | 1,177 |
| Total domestic deposits to total assets | 87.4900% | 1,781 |
| Equity capital to assets | 10.4441% | 1,623 |
| Core capital (leverage) ratio | 12.0058% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3337% | 1,481 |
| Memoranda: | ||
| Average total assets | $193,257,000 | 3,045 |
| Average earning assets | $180,333,333 | 3,026 |
| Average equity | $20,213,333 | 2,849 |
| Average total loans | $154,446,000 | 2,635 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 2,548 |
| Cost of funding earning assets | 0.5405% | 3,563 |
| Net interest margin | 3.8593% | 1,561 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 2.3596% | 2,638 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.9604% | 523 |
| Return on assets (ROA) | 1.9604% | 512 |
| Pretax return on assets | 1.9937% | 790 |
| Return on Equity (ROE) | 18.7300% | 921 |
| Retained earnings to average equity (ytd only) | 8.0042% | 2,216 |
| Net charge-offs to loans | -0.0026% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.9689% | 3,781 |
| Assets per employee ($millions) | 6.3928% | 2,416 |
| Cash dividends to net income (ytd only)* | 57.2641% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 1,861 |
| Loan loss allowance to noncurrent loans | 118.5673% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9099% | 487 |
| Noncurrent loans to loans | 1.1295% | 629 |
| Net loans and leases to total assets | 79.4800% | 587 |
| Net loans and leases to deposits | 89.0758% | 1,129 |
| Net loans and leases to core deposits | 94.1446% | 1,385 |
| Total domestic deposits to total assets | 89.2200% | 1,461 |
| Equity capital to assets | 10.6302% | 1,499 |
| Core capital (leverage) ratio | 12.1715% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6442% | 1,455 |
| Memoranda: | ||
| Average total assets | $192,409,000 | 3,085 |
| Average earning assets | $179,100,000 | 3,072 |
| Average equity | $20,139,500 | 2,879 |
| Average total loans | $151,152,000 | 2,691 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8565% | 2,108 |
| Cost of funding earning assets | 0.1916% | 3,827 |
| Net interest margin | 3.6648% | 1,461 |
| Noninterest income to average assets | 1.4600% | 354 |
| Noninterest expense to average assets | 2.4975% | 2,122 |
| Loan and lease loss provision to assets | 0.4400% | 147 |
| Net operating income to assets | 1.9206% | 343 |
| Return on assets (ROA) | 1.9206% | 333 |
| Pretax return on assets | 1.9482% | 531 |
| Return on Equity (ROE) | 17.7000% | 748 |
| Retained earnings to average equity (ytd only) | 7.4723% | 2,039 |
| Net charge-offs to loans | 0.2863% | 272 |
| Credit loss provision to net charge-offs | 203.0457% | 1,113 |
| Earnings coverage of net charge-offs (x) | 10.9873% | 2,168 |
| Efficiency ratio | 51.1013% | 4,057 |
| Assets per employee ($millions) | 5.8495% | 2,903 |
| Cash dividends to net income (ytd only)* | 57.7752% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 1,732 |
| Loan loss allowance to noncurrent loans | 139.7173% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 651 |
| Noncurrent loans to loans | 0.9573% | 779 |
| Net loans and leases to total assets | 75.5500% | 1,055 |
| Net loans and leases to deposits | 84.3841% | 1,435 |
| Net loans and leases to core deposits | 88.4621% | 1,584 |
| Total domestic deposits to total assets | 89.5300% | 1,544 |
| Equity capital to assets | 10.3049% | 1,549 |
| Core capital (leverage) ratio | 12.4338% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4731% | 1,484 |
| Memoranda: | ||
| Average total assets | $181,138,400 | 3,179 |
| Average earning assets | $169,611,400 | 3,159 |
| Average equity | $19,659,400 | 2,981 |
| Average total loans | $137,600,000 | 2,758 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7485% | 1,898 |
| Cost of funding earning assets | 0.1586% | 3,742 |
| Net interest margin | 3.5898% | 1,414 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 2.4307% | 2,224 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 1.9120% | 337 |
| Return on assets (ROA) | 1.9120% | 334 |
| Pretax return on assets | 1.9427% | 527 |
| Return on Equity (ROE) | 17.3800% | 730 |
| Retained earnings to average equity (ytd only) | 3.7072% | 3,549 |
| Net charge-offs to loans | -0.0039% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.7787% | 3,945 |
| Assets per employee ($millions) | 5.5515% | 3,166 |
| Cash dividends to net income (ytd only)* | 78.6693% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 1,969 |
| Loan loss allowance to noncurrent loans | 86.2369% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.2311% | 325 |
| Noncurrent loans to loans | 1.5243% | 456 |
| Net loans and leases to total assets | 79.7000% | 556 |
| Net loans and leases to deposits | 90.5129% | 860 |
| Net loans and leases to core deposits | 93.4213% | 1,119 |
| Total domestic deposits to total assets | 88.0600% | 2,412 |
| Equity capital to assets | 10.4155% | 1,413 |
| Core capital (leverage) ratio | 12.2803% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2554% | 1,632 |
| Memoranda: | ||
| Average total assets | $178,164,500 | 3,224 |
| Average earning assets | $167,247,000 | 3,202 |
| Average equity | $19,601,250 | 3,026 |
| Average total loans | $135,046,750 | 2,781 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 1,797 |
| Cost of funding earning assets | 0.1490% | 3,587 |
| Net interest margin | 3.4646% | 1,409 |
| Noninterest income to average assets | 1.3065% | 423 |
| Noninterest expense to average assets | 2.3484% | 2,404 |
| Loan and lease loss provision to assets | 0.1346% | 710 |
| Net operating income to assets | 2.0512% | 207 |
| Return on assets (ROA) | 2.0512% | 211 |
| Pretax return on assets | 2.0826% | 311 |
| Return on Equity (ROE) | 18.3199% | 433 |
| Retained earnings to average equity (ytd only) | 2.0934% | 3,724 |
| Net charge-offs to loans | -0.0015% | 3,081 |
| Credit loss provision to net charge-offs | -12,000.0000% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4370% | 4,169 |
| Assets per employee ($millions) | 5.3833% | 3,354 |
| Cash dividends to net income (ytd only)* | 88.5730% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 2,753 |
| Loan loss allowance to noncurrent loans | 156.3250% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 913 |
| Noncurrent loans to loans | 0.7592% | 1,132 |
| Net loans and leases to total assets | 79.3440% | 448 |
| Net loans and leases to deposits | 90.9820% | 668 |
| Net loans and leases to core deposits | 94.1061% | 905 |
| Total domestic deposits to total assets | 87.2084% | 2,867 |
| Equity capital to assets | 10.4319% | 1,466 |
| Core capital (leverage) ratio | 11.9695% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0097% | 1,702 |
| Memoranda: | ||
| Average total assets | $178,336,333 | 3,257 |
| Average earning assets | $167,754,333 | 3,239 |
| Average equity | $19,967,333 | 3,075 |
| Average total loans | $132,236,000 | 2,825 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4892% | 1,846 |
| Cost of funding earning assets | 0.1497% | 3,509 |
| Net interest margin | 3.3395% | 1,473 |
| Noninterest income to average assets | 1.4417% | 370 |
| Noninterest expense to average assets | 2.3103% | 2,460 |
| Loan and lease loss provision to assets | 0.1343% | 604 |
| Net operating income to assets | 2.1133% | 181 |
| Return on assets (ROA) | 2.1133% | 181 |
| Pretax return on assets | 2.1424% | 275 |
| Return on Equity (ROE) | 18.2548% | 316 |
| Retained earnings to average equity (ytd only) | 4.3316% | 2,832 |
| Net charge-offs to loans | -0.0031% | 3,204 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3660% | 4,297 |
| Assets per employee ($millions) | 5.9802% | 2,828 |
| Cash dividends to net income (ytd only)* | 76.2712% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,563 |
| Loan loss allowance to noncurrent loans | 146.4574% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6215% | 961 |
| Noncurrent loans to loans | 0.8582% | 1,089 |
| Net loans and leases to total assets | 71.5092% | 875 |
| Net loans and leases to deposits | 80.6061% | 1,100 |
| Net loans and leases to core deposits | 83.5451% | 1,266 |
| Total domestic deposits to total assets | 88.7144% | 2,203 |
| Equity capital to assets | 11.1808% | 1,248 |
| Core capital (leverage) ratio | 11.9266% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9320% | 1,533 |
| Memoranda: | ||
| Average total assets | $178,680,500 | 3,266 |
| Average earning assets | $168,288,500 | 3,244 |
| Average equity | $20,685,000 | 3,084 |
| Average total loans | $127,031,000 | 2,884 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5473% | 2,522 |
| Cost of funding earning assets | 0.2407% | 3,042 |
| Net interest margin | 3.3067% | 2,300 |
| Noninterest income to average assets | 1.6870% | 403 |
| Noninterest expense to average assets | 2.3844% | 2,535 |
| Loan and lease loss provision to assets | 0.1658% | 705 |
| Net operating income to assets | 2.2261% | 235 |
| Return on assets (ROA) | 2.2261% | 243 |
| Pretax return on assets | 2.2592% | 371 |
| Return on Equity (ROE) | 18.8833% | 389 |
| Retained earnings to average equity (ytd only) | 7.4992% | 1,721 |
| Net charge-offs to loans | 0.0063% | 2,342 |
| Credit loss provision to net charge-offs | 4,085.7143% | 173 |
| Earnings coverage of net charge-offs (x) | 597.5714% | 240 |
| Efficiency ratio | 49.5781% | 4,318 |
| Assets per employee ($millions) | 6.3556% | 2,443 |
| Cash dividends to net income (ytd only)* | 60.2865% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 2,525 |
| Loan loss allowance to noncurrent loans | 138.6243% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 1,028 |
| Noncurrent loans to loans | 0.9135% | 1,110 |
| Net loans and leases to total assets | 68.8743% | 1,165 |
| Net loans and leases to deposits | 78.3845% | 1,367 |
| Net loans and leases to core deposits | 81.4825% | 1,490 |
| Total domestic deposits to total assets | 87.8672% | 2,117 |
| Equity capital to assets | 11.9754% | 1,260 |
| Core capital (leverage) ratio | 11.6897% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3716% | 1,421 |
| Memoranda: | ||
| Average total assets | $172,498,000 | 3,277 |
| Average earning assets | $162,883,800 | 3,245 |
| Average equity | $20,335,400 | 3,184 |
| Average total loans | $111,333,200 | 3,057 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 2,754 |
| Cost of funding earning assets | 0.2483% | 3,144 |
| Net interest margin | 3.2776% | 2,483 |
| Noninterest income to average assets | 1.6252% | 475 |
| Noninterest expense to average assets | 2.2656% | 2,848 |
| Loan and lease loss provision to assets | 0.1759% | 606 |
| Net operating income to assets | 2.2446% | 295 |
| Return on assets (ROA) | 2.2446% | 312 |
| Pretax return on assets | 2.2789% | 482 |
| Return on Equity (ROE) | 19.1187% | 501 |
| Retained earnings to average equity (ytd only) | 3.7561% | 3,656 |
| Net charge-offs to loans | 0.0086% | 1,997 |
| Credit loss provision to net charge-offs | 3,228.5714% | 222 |
| Earnings coverage of net charge-offs (x) | 450.1429% | 326 |
| Efficiency ratio | 47.9947% | 4,365 |
| Assets per employee ($millions) | 6.5087% | 2,236 |
| Cash dividends to net income (ytd only)* | 80.3540% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 2,542 |
| Loan loss allowance to noncurrent loans | 115.5080% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 1,029 |
| Noncurrent loans to loans | 1.1170% | 1,002 |
| Net loans and leases to total assets | 63.4748% | 1,837 |
| Net loans and leases to deposits | 71.6567% | 2,088 |
| Net loans and leases to core deposits | 75.0344% | 2,138 |
| Total domestic deposits to total assets | 88.5818% | 1,524 |
| Equity capital to assets | 11.2980% | 1,812 |
| Core capital (leverage) ratio | 11.2382% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0649% | 1,595 |
| Memoranda: | ||
| Average total assets | $171,133,500 | 3,324 |
| Average earning assets | $161,616,250 | 3,289 |
| Average equity | $20,091,500 | 3,243 |
| Average total loans | $108,132,000 | 3,143 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4280% | 3,091 |
| Cost of funding earning assets | 0.2638% | 3,154 |
| Net interest margin | 3.1642% | 2,864 |
| Noninterest income to average assets | 1.7452% | 409 |
| Noninterest expense to average assets | 2.3054% | 2,761 |
| Loan and lease loss provision to assets | 0.1983% | 561 |
| Net operating income to assets | 2.2015% | 338 |
| Return on assets (ROA) | 2.2015% | 358 |
| Pretax return on assets | 2.2362% | 541 |
| Return on Equity (ROE) | 18.4991% | 595 |
| Retained earnings to average equity (ytd only) | 0.6825% | 4,398 |
| Net charge-offs to loans | 0.0342% | 1,304 |
| Credit loss provision to net charge-offs | 922.2222% | 496 |
| Earnings coverage of net charge-offs (x) | 113.2222% | 695 |
| Efficiency ratio | 48.6391% | 4,346 |
| Assets per employee ($millions) | 6.0010% | 2,609 |
| Cash dividends to net income (ytd only)* | 96.3104% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,508 |
| Loan loss allowance to noncurrent loans | 131.4781% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 1,317 |
| Noncurrent loans to loans | 0.9776% | 1,262 |
| Net loans and leases to total assets | 63.5911% | 1,991 |
| Net loans and leases to deposits | 71.8878% | 2,215 |
| Net loans and leases to core deposits | 74.8595% | 2,345 |
| Total domestic deposits to total assets | 88.4588% | 1,588 |
| Equity capital to assets | 11.4498% | 1,660 |
| Core capital (leverage) ratio | 11.5769% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2970% | 1,265 |
| Memoranda: | ||
| Average total assets | $167,430,000 | 3,362 |
| Average earning assets | $158,458,333 | 3,326 |
| Average equity | $19,925,333 | 3,249 |
| Average total loans | $105,112,333 | 3,190 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3591% | 3,314 |
| Cost of funding earning assets | 0.2990% | 3,003 |
| Net interest margin | 3.0600% | 3,105 |
| Noninterest income to average assets | 1.8010% | 442 |
| Noninterest expense to average assets | 2.3762% | 2,575 |
| Loan and lease loss provision to assets | 0.2583% | 394 |
| Net operating income to assets | 2.0228% | 555 |
| Return on assets (ROA) | 2.0228% | 598 |
| Pretax return on assets | 2.0593% | 860 |
| Return on Equity (ROE) | 16.6625% | 898 |
| Retained earnings to average equity (ytd only) | -0.9034% | 4,456 |
| Net charge-offs to loans | 0.1614% | 491 |
| Credit loss provision to net charge-offs | 258.5366% | 808 |
| Earnings coverage of net charge-offs (x) | 23.1951% | 1,196 |
| Efficiency ratio | 50.6231% | 4,135 |
| Assets per employee ($millions) | 5.8529% | 2,743 |
| Cash dividends to net income (ytd only)* | 105.4217% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 2,208 |
| Loan loss allowance to noncurrent loans | 105.0271% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.7618% | 1,199 |
| Noncurrent loans to loans | 1.2833% | 1,011 |
| Net loans and leases to total assets | 58.5596% | 2,733 |
| Net loans and leases to deposits | 66.3753% | 2,881 |
| Net loans and leases to core deposits | 69.2074% | 2,944 |
| Total domestic deposits to total assets | 88.2250% | 1,727 |
| Equity capital to assets | 11.6583% | 1,465 |
| Core capital (leverage) ratio | 12.0746% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7785% | 1,109 |
| Memoranda: | ||
| Average total assets | $164,130,500 | 3,391 |
| Average earning assets | $155,162,500 | 3,362 |
| Average equity | $19,925,000 | 3,240 |
| Average total loans | $101,614,500 | 3,234 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1056% | 2,407 |
| Cost of funding earning assets | 0.6931% | 1,751 |
| Net interest margin | 3.4124% | 2,738 |
| Noninterest income to average assets | 2.6177% | 231 |
| Noninterest expense to average assets | 2.6658% | 2,341 |
| Loan and lease loss provision to assets | 0.1353% | 2,671 |
| Net operating income to assets | 2.9840% | 93 |
| Return on assets (ROA) | 2.9926% | 96 |
| Pretax return on assets | 3.0399% | 119 |
| Return on Equity (ROE) | 24.0059% | 124 |
| Retained earnings to average equity (ytd only) | 12.2825% | 293 |
| Net charge-offs to loans | 0.0443% | 2,180 |
| Credit loss provision to net charge-offs | 444.4444% | 1,341 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 765 |
| Efficiency ratio | 45.7077% | 4,728 |
| Assets per employee ($millions) | 5.4665% | 2,875 |
| Cash dividends to net income (ytd only)* | 48.8356% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,610 |
| Loan loss allowance to noncurrent loans | 89.6050% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 1,084 |
| Noncurrent loans to loans | 1.4081% | 963 |
| Net loans and leases to total assets | 63.8266% | 2,384 |
| Net loans and leases to deposits | 73.2372% | 2,568 |
| Net loans and leases to core deposits | 77.4423% | 2,601 |
| Total domestic deposits to total assets | 87.1505% | 1,864 |
| Equity capital to assets | 12.6552% | 1,256 |
| Core capital (leverage) ratio | 12.4973% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0605% | 1,046 |
| Memoranda: | ||
| Average total assets | $147,799,000 | 3,430 |
| Average earning assets | $139,225,600 | 3,388 |
| Average equity | $18,424,600 | 3,329 |
| Average total loans | $101,553,600 | 3,204 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 2,733 |
| Cost of funding earning assets | 0.7499% | 1,747 |
| Net interest margin | 3.3284% | 3,105 |
| Noninterest income to average assets | 2.5955% | 225 |
| Noninterest expense to average assets | 2.5220% | 2,771 |
| Loan and lease loss provision to assets | 0.1103% | 2,940 |
| Net operating income to assets | 3.0524% | 87 |
| Return on assets (ROA) | 3.0641% | 94 |
| Pretax return on assets | 3.1110% | 114 |
| Return on Equity (ROE) | 24.6822% | 126 |
| Retained earnings to average equity (ytd only) | 8.6961% | 1,076 |
| Net charge-offs to loans | 0.0592% | 1,763 |
| Credit loss provision to net charge-offs | 266.6667% | 1,867 |
| Earnings coverage of net charge-offs (x) | 77.6222% | 939 |
| Efficiency ratio | 44.0045% | 4,787 |
| Assets per employee ($millions) | 5.2820% | 2,913 |
| Cash dividends to net income (ytd only)* | 64.7676% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 2,904 |
| Loan loss allowance to noncurrent loans | 93.3744% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 1,370 |
| Noncurrent loans to loans | 1.2392% | 1,228 |
| Net loans and leases to total assets | 67.5898% | 2,298 |
| Net loans and leases to deposits | 77.2679% | 2,621 |
| Net loans and leases to core deposits | 81.5418% | 2,696 |
| Total domestic deposits to total assets | 87.4746% | 1,466 |
| Equity capital to assets | 12.3498% | 1,489 |
| Core capital (leverage) ratio | 12.1710% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8873% | 1,278 |
| Memoranda: | ||
| Average total assets | $145,116,750 | 3,444 |
| Average earning assets | $136,717,250 | 3,402 |
| Average equity | $18,015,250 | 3,368 |
| Average total loans | $101,323,000 | 3,220 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 2,854 |
| Cost of funding earning assets | 0.7964% | 1,843 |
| Net interest margin | 3.3724% | 3,180 |
| Noninterest income to average assets | 2.4377% | 231 |
| Noninterest expense to average assets | 2.6034% | 2,653 |
| Loan and lease loss provision to assets | 0.0843% | 3,226 |
| Net operating income to assets | 2.8748% | 98 |
| Return on assets (ROA) | 2.8926% | 99 |
| Pretax return on assets | 2.9376% | 124 |
| Return on Equity (ROE) | 23.2576% | 137 |
| Retained earnings to average equity (ytd only) | 6.3224% | 1,930 |
| Net charge-offs to loans | 0.0918% | 1,338 |
| Credit loss provision to net charge-offs | 130.4348% | 2,231 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 1,157 |
| Efficiency ratio | 46.4313% | 4,706 |
| Assets per employee ($millions) | 5.2706% | 2,867 |
| Cash dividends to net income (ytd only)* | 72.8155% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,000 |
| Loan loss allowance to noncurrent loans | 82.0513% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.9186% | 1,333 |
| Noncurrent loans to loans | 1.3529% | 1,138 |
| Net loans and leases to total assets | 67.1434% | 2,480 |
| Net loans and leases to deposits | 76.3689% | 2,821 |
| Net loans and leases to core deposits | 81.0651% | 2,864 |
| Total domestic deposits to total assets | 87.9199% | 1,225 |
| Equity capital to assets | 11.9297% | 1,708 |
| Core capital (leverage) ratio | 12.1208% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3981% | 1,388 |
| Memoranda: | ||
| Average total assets | $142,430,000 | 3,455 |
| Average earning assets | $133,851,000 | 3,421 |
| Average equity | $17,714,667 | 3,393 |
| Average total loans | $100,182,667 | 3,228 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 2,444 |
| Cost of funding earning assets | 0.8642% | 2,038 |
| Net interest margin | 3.5868% | 2,711 |
| Noninterest income to average assets | 1.7665% | 308 |
| Noninterest expense to average assets | 2.6526% | 2,830 |
| Loan and lease loss provision to assets | 0.0874% | 2,596 |
| Net operating income to assets | 2.3648% | 136 |
| Return on assets (ROA) | 2.4019% | 140 |
| Pretax return on assets | 2.4398% | 184 |
| Return on Equity (ROE) | 18.8828% | 216 |
| Retained earnings to average equity (ytd only) | 5.1332% | 2,217 |
| Net charge-offs to loans | 0.0041% | 2,433 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 854.0000% | 63 |
| Efficiency ratio | 51.5873% | 4,574 |
| Assets per employee ($millions) | 5.1854% | 2,445 |
| Cash dividends to net income (ytd only)* | 72.8155% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,683 |
| Loan loss allowance to noncurrent loans | 79.7131% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.0457% | 1,254 |
| Noncurrent loans to loans | 1.5036% | 1,063 |
| Net loans and leases to total assets | 68.7106% | 2,434 |
| Net loans and leases to deposits | 78.6100% | 2,823 |
| Net loans and leases to core deposits | 84.1953% | 2,836 |
| Total domestic deposits to total assets | 87.4070% | 1,378 |
| Equity capital to assets | 12.4166% | 1,785 |
| Core capital (leverage) ratio | 12.8903% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6864% | 1,195 |
| Memoranda: | ||
| Average total assets | $137,222,000 | 3,486 |
| Average earning assets | $129,139,500 | 3,455 |
| Average equity | $17,455,000 | 3,424 |
| Average total loans | $98,385,000 | 3,242 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8250% | 1,967 |
| Cost of funding earning assets | 0.8578% | 2,392 |
| Net interest margin | 3.9672% | 1,952 |
| Noninterest income to average assets | 1.6097% | 361 |
| Noninterest expense to average assets | 2.9048% | 2,277 |
| Loan and lease loss provision to assets | 0.2353% | 809 |
| Net operating income to assets | 2.1415% | 252 |
| Return on assets (ROA) | 2.1353% | 270 |
| Pretax return on assets | 2.1674% | 406 |
| Return on Equity (ROE) | 16.4438% | 484 |
| Retained earnings to average equity (ytd only) | 6.9291% | 1,419 |
| Net charge-offs to loans | 0.1790% | 1,125 |
| Credit loss provision to net charge-offs | 171.4286% | 1,515 |
| Earnings coverage of net charge-offs (x) | 17.5486% | 2,100 |
| Efficiency ratio | 54.6649% | 4,356 |
| Assets per employee ($millions) | 4.9792% | 2,630 |
| Cash dividends to net income (ytd only)* | 57.8619% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,729 |
| Loan loss allowance to noncurrent loans | 396.1672% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 3,379 |
| Noncurrent loans to loans | 0.2887% | 3,401 |
| Net loans and leases to total assets | 73.0947% | 1,906 |
| Net loans and leases to deposits | 84.2785% | 2,304 |
| Net loans and leases to core deposits | 90.4120% | 2,384 |
| Total domestic deposits to total assets | 86.7299% | 1,744 |
| Equity capital to assets | 13.0365% | 1,498 |
| Core capital (leverage) ratio | 13.1571% | 1,167 |
| Tier 1 risk-based capital ratio | 16.6020% | 2,185 |
| Total risk-based capital ratio | 17.6886% | 2,180 |
| Memoranda: | ||
| Average total assets | $127,478,000 | 3,597 |
| Average earning assets | $119,025,400 | 3,572 |
| Average equity | $16,553,400 | 3,490 |
| Average total loans | $97,791,600 | 3,257 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8335% | 2,018 |
| Cost of funding earning assets | 0.8370% | 2,523 |
| Net interest margin | 3.9965% | 1,952 |
| Noninterest income to average assets | 1.4008% | 461 |
| Noninterest expense to average assets | 2.7209% | 2,805 |
| Loan and lease loss provision to assets | 0.2386% | 701 |
| Net operating income to assets | 2.1356% | 302 |
| Return on assets (ROA) | 2.1356% | 316 |
| Pretax return on assets | 2.1674% | 481 |
| Return on Equity (ROE) | 16.4637% | 539 |
| Retained earnings to average equity (ytd only) | 3.5887% | 3,606 |
| Net charge-offs to loans | 0.2191% | 810 |
| Credit loss provision to net charge-offs | 140.6250% | 1,718 |
| Earnings coverage of net charge-offs (x) | 14.1811% | 2,255 |
| Efficiency ratio | 53.0714% | 4,487 |
| Assets per employee ($millions) | 4.6133% | 3,032 |
| Cash dividends to net income (ytd only)* | 78.2026% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,226 |
| Loan loss allowance to noncurrent loans | 274.0458% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 3,080 |
| Noncurrent loans to loans | 0.3871% | 3,161 |
| Net loans and leases to total assets | 77.7647% | 1,177 |
| Net loans and leases to deposits | 90.3840% | 1,650 |
| Net loans and leases to core deposits | 95.7533% | 2,021 |
| Total domestic deposits to total assets | 86.0381% | 1,987 |
| Equity capital to assets | 13.0004% | 1,625 |
| Core capital (leverage) ratio | 13.3447% | 1,193 |
| Tier 1 risk-based capital ratio | 16.0702% | 2,400 |
| Total risk-based capital ratio | 17.1089% | 2,427 |
| Memoranda: | ||
| Average total assets | $125,738,000 | 3,653 |
| Average earning assets | $117,234,500 | 3,630 |
| Average equity | $16,310,250 | 3,541 |
| Average total loans | $97,388,500 | 3,299 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7739% | 2,143 |
| Cost of funding earning assets | 0.8266% | 2,515 |
| Net interest margin | 3.9472% | 2,104 |
| Noninterest income to average assets | 1.2794% | 531 |
| Noninterest expense to average assets | 2.6663% | 3,015 |
| Loan and lease loss provision to assets | 0.2408% | 645 |
| Net operating income to assets | 2.0210% | 373 |
| Return on assets (ROA) | 2.0210% | 395 |
| Pretax return on assets | 2.0515% | 617 |
| Return on Equity (ROE) | 15.5920% | 657 |
| Retained earnings to average equity (ytd only) | 0.4211% | 4,585 |
| Net charge-offs to loans | 0.3187% | 537 |
| Credit loss provision to net charge-offs | 98.0392% | 2,028 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,343 |
| Efficiency ratio | 53.7714% | 4,496 |
| Assets per employee ($millions) | 4.9903% | 2,490 |
| Cash dividends to net income (ytd only)* | 97.2994% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 3,327 |
| Loan loss allowance to noncurrent loans | 202.6104% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 2,706 |
| Noncurrent loans to loans | 0.5189% | 2,724 |
| Net loans and leases to total assets | 76.1202% | 1,523 |
| Net loans and leases to deposits | 88.5703% | 1,930 |
| Net loans and leases to core deposits | 93.6668% | 2,268 |
| Total domestic deposits to total assets | 85.9432% | 2,061 |
| Equity capital to assets | 13.1062% | 1,537 |
| Core capital (leverage) ratio | 12.9537% | 1,319 |
| Tier 1 risk-based capital ratio | 16.4480% | 2,258 |
| Total risk-based capital ratio | 17.4687% | 2,275 |
| Memoranda: | ||
| Average total assets | $124,593,000 | 3,694 |
| Average earning assets | $116,132,330 | 3,674 |
| Average equity | $16,149,330 | 3,554 |
| Average total loans | $96,008,670 | 3,339 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 2,332 |
| Cost of funding earning assets | 0.8028% | 2,522 |
| Net interest margin | 3.8626% | 2,300 |
| Noninterest income to average assets | 1.1308% | 633 |
| Noninterest expense to average assets | 2.6697% | 2,998 |
| Loan and lease loss provision to assets | 0.2409% | 617 |
| Net operating income to assets | 1.7894% | 588 |
| Return on assets (ROA) | 1.7894% | 608 |
| Pretax return on assets | 1.8215% | 938 |
| Return on Equity (ROE) | 13.8829% | 993 |
| Retained earnings to average equity (ytd only) | -0.4486% | 4,592 |
| Net charge-offs to loans | -0.0083% | 4,162 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4155% | 4,278 |
| Assets per employee ($millions) | 5.0779% | 2,427 |
| Cash dividends to net income (ytd only)* | 103.2316% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 2,873 |
| Loan loss allowance to noncurrent loans | 232.1962% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 2,902 |
| Noncurrent loans to loans | 0.4940% | 2,832 |
| Net loans and leases to total assets | 73.9248% | 1,822 |
| Net loans and leases to deposits | 85.9931% | 2,131 |
| Net loans and leases to core deposits | 91.3139% | 2,366 |
| Total domestic deposits to total assets | 85.9659% | 2,295 |
| Equity capital to assets | 12.6855% | 1,633 |
| Core capital (leverage) ratio | 13.1067% | 1,220 |
| Tier 1 risk-based capital ratio | 16.4826% | 2,276 |
| Total risk-based capital ratio | 17.5901% | 2,267 |
| Memoranda: | ||
| Average total assets | $124,510,500 | 3,729 |
| Average earning assets | $116,086,500 | 3,711 |
| Average equity | $16,048,500 | 3,577 |
| Average total loans | $96,025,500 | 3,382 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 1,875 |
| Cost of funding earning assets | 0.5514% | 3,042 |
| Net interest margin | 4.1344% | 1,575 |
| Noninterest income to average assets | 2.0818% | 254 |
| Noninterest expense to average assets | 2.8646% | 2,469 |
| Loan and lease loss provision to assets | 0.1099% | 2,002 |
| Net operating income to assets | 2.9481% | 85 |
| Return on assets (ROA) | 2.9430% | 85 |
| Pretax return on assets | 2.9788% | 99 |
| Return on Equity (ROE) | 23.6534% | 111 |
| Retained earnings to average equity (ytd only) | 13.4526% | 199 |
| Net charge-offs to loans | -0.0085% | 4,455 |
| Credit loss provision to net charge-offs | -1,612.5000% | 4,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0772% | 5,040 |
| Assets per employee ($millions) | 4.6951% | 2,886 |
| Cash dividends to net income (ytd only)* | 43.1259% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 3,436 |
| Loan loss allowance to noncurrent loans | 235.3488% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 2,930 |
| Noncurrent loans to loans | 0.4428% | 2,953 |
| Net loans and leases to total assets | 78.7267% | 1,147 |
| Net loans and leases to deposits | 92.1172% | 1,535 |
| Net loans and leases to core deposits | 97.7581% | 1,886 |
| Total domestic deposits to total assets | 85.4636% | 2,448 |
| Equity capital to assets | 13.1012% | 1,296 |
| Core capital (leverage) ratio | 13.8567% | 965 |
| Tier 1 risk-based capital ratio | 15.9503% | 2,421 |
| Total risk-based capital ratio | 16.9452% | 2,460 |
| Memoranda: | ||
| Average total assets | $117,396,800 | 3,832 |
| Average earning assets | $110,076,400 | 3,801 |
| Average equity | $14,606,800 | 3,683 |
| Average total loans | $94,211,200 | 3,404 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6567% | 1,809 |
| Cost of funding earning assets | 0.5171% | 3,083 |
| Net interest margin | 4.1396% | 1,520 |
| Noninterest income to average assets | 1.3192% | 550 |
| Noninterest expense to average assets | 2.7268% | 2,892 |
| Loan and lease loss provision to assets | 0.0619% | 2,738 |
| Net operating income to assets | 2.3859% | 190 |
| Return on assets (ROA) | 2.3792% | 192 |
| Pretax return on assets | 2.4170% | 274 |
| Return on Equity (ROE) | 19.3914% | 309 |
| Retained earnings to average equity (ytd only) | 5.4603% | 2,981 |
| Net charge-offs to loans | -0.0086% | 4,359 |
| Credit loss provision to net charge-offs | -900.0000% | 4,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3107% | 4,778 |
| Assets per employee ($millions) | 4.6569% | 2,903 |
| Cash dividends to net income (ytd only)* | 71.8421% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 3,932 |
| Loan loss allowance to noncurrent loans | 170.1818% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 2,624 |
| Noncurrent loans to loans | 0.5713% | 2,662 |
| Net loans and leases to total assets | 81.8816% | 738 |
| Net loans and leases to deposits | 97.2904% | 1,016 |
| Net loans and leases to core deposits | 104.2405% | 1,440 |
| Total domestic deposits to total assets | 84.1621% | 2,887 |
| Equity capital to assets | 12.4546% | 1,622 |
| Core capital (leverage) ratio | 12.7495% | 1,395 |
| Tier 1 risk-based capital ratio | 15.1694% | 2,806 |
| Total risk-based capital ratio | 16.1259% | 2,854 |
| Memoranda: | ||
| Average total assets | $116,227,750 | 3,890 |
| Average earning assets | $109,316,250 | 3,852 |
| Average equity | $14,260,250 | 3,746 |
| Average total loans | $93,485,000 | 3,439 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 1,877 |
| Cost of funding earning assets | 0.4918% | 3,065 |
| Net interest margin | 4.0778% | 1,621 |
| Noninterest income to average assets | 1.3361% | 542 |
| Noninterest expense to average assets | 2.7565% | 2,822 |
| Loan and lease loss provision to assets | 0.0620% | 2,663 |
| Net operating income to assets | 2.3071% | 205 |
| Return on assets (ROA) | 2.3054% | 200 |
| Pretax return on assets | 2.3415% | 308 |
| Return on Equity (ROE) | 18.8853% | 340 |
| Retained earnings to average equity (ytd only) | 2.6657% | 4,185 |
| Net charge-offs to loans | -0.0086% | 4,274 |
| Credit loss provision to net charge-offs | -900.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4023% | 4,748 |
| Assets per employee ($millions) | 4.6235% | 2,937 |
| Cash dividends to net income (ytd only)* | 85.8850% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 3,985 |
| Loan loss allowance to noncurrent loans | 85.8349% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.9802% | 1,538 |
| Noncurrent loans to loans | 1.1358% | 1,544 |
| Net loans and leases to total assets | 80.4096% | 952 |
| Net loans and leases to deposits | 92.6992% | 1,507 |
| Net loans and leases to core deposits | 99.8614% | 1,749 |
| Total domestic deposits to total assets | 86.7425% | 1,951 |
| Equity capital to assets | 12.2704% | 1,687 |
| Core capital (leverage) ratio | 12.3914% | 1,491 |
| Tier 1 risk-based capital ratio | 15.0906% | 2,828 |
| Total risk-based capital ratio | 16.0462% | 2,898 |
| Memoranda: | ||
| Average total assets | $116,162,670 | 3,927 |
| Average earning assets | $108,980,330 | 3,892 |
| Average equity | $14,180,330 | 3,778 |
| Average total loans | $92,558,330 | 3,469 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 1,968 |
| Cost of funding earning assets | 0.4796% | 2,967 |
| Net interest margin | 3.9869% | 1,768 |
| Noninterest income to average assets | 1.2744% | 572 |
| Noninterest expense to average assets | 2.6930% | 3,066 |
| Loan and lease loss provision to assets | 0.0618% | 2,544 |
| Net operating income to assets | 2.2223% | 238 |
| Return on assets (ROA) | 2.2190% | 239 |
| Pretax return on assets | 2.2568% | 343 |
| Return on Equity (ROE) | 18.2241% | 387 |
| Retained earnings to average equity (ytd only) | 4.1188% | 3,551 |
| Net charge-offs to loans | -0.0087% | 4,194 |
| Credit loss provision to net charge-offs | -900.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6986% | 4,826 |
| Assets per employee ($millions) | 4.7236% | 2,825 |
| Cash dividends to net income (ytd only)* | 77.3994% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 4,100 |
| Loan loss allowance to noncurrent loans | 198.6696% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 3,087 |
| Noncurrent loans to loans | 0.4899% | 3,050 |
| Net loans and leases to total assets | 77.1939% | 1,358 |
| Net loans and leases to deposits | 88.7097% | 1,840 |
| Net loans and leases to core deposits | 95.0623% | 2,048 |
| Total domestic deposits to total assets | 87.0185% | 2,110 |
| Equity capital to assets | 11.9992% | 1,789 |
| Core capital (leverage) ratio | 12.4379% | 1,418 |
| Tier 1 risk-based capital ratio | 15.2409% | 2,769 |
| Total risk-based capital ratio | 16.1888% | 2,825 |
| Memoranda: | ||
| Average total assets | $116,450,500 | 3,960 |
| Average earning assets | $109,258,000 | 3,925 |
| Average equity | $14,179,000 | 3,805 |
| Average total loans | $91,908,500 | 3,505 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3930% | 2,048 |
| Cost of funding earning assets | 0.4636% | 2,656 |
| Net interest margin | 3.9294% | 1,995 |
| Noninterest income to average assets | 1.3073% | 618 |
| Noninterest expense to average assets | 2.8350% | 2,665 |
| Loan and lease loss provision to assets | 0.0398% | 3,471 |
| Net operating income to assets | 2.0748% | 242 |
| Return on assets (ROA) | 2.0765% | 248 |
| Pretax return on assets | 2.1101% | 387 |
| Return on Equity (ROE) | 17.2234% | 373 |
| Retained earnings to average equity (ytd only) | 6.5781% | 1,243 |
| Net charge-offs to loans | 0.0012% | 4,083 |
| Credit loss provision to net charge-offs | 4,500.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 2,427.0000% | 26 |
| Efficiency ratio | 56.8917% | 4,671 |
| Assets per employee ($millions) | 4.5924% | 3,042 |
| Cash dividends to net income (ytd only)* | 61.8073% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 4,184 |
| Loan loss allowance to noncurrent loans | 427.3171% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 3,960 |
| Noncurrent loans to loans | 0.2234% | 4,013 |
| Net loans and leases to total assets | 79.1621% | 1,086 |
| Net loans and leases to deposits | 92.0626% | 1,516 |
| Net loans and leases to core deposits | 98.4670% | 1,828 |
| Total domestic deposits to total assets | 85.9873% | 2,437 |
| Equity capital to assets | 12.3578% | 1,597 |
| Core capital (leverage) ratio | 12.5487% | 1,329 |
| Tier 1 risk-based capital ratio | 15.2829% | 2,708 |
| Total risk-based capital ratio | 16.2217% | 2,794 |
| Memoranda: | ||
| Average total assets | $112,979,200 | 4,008 |
| Average earning assets | $105,690,000 | 3,991 |
| Average equity | $13,621,000 | 3,897 |
| Average total loans | $86,551,200 | 3,599 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 2,201 |
| Cost of funding earning assets | 0.4489% | 2,727 |
| Net interest margin | 3.8744% | 2,126 |
| Noninterest income to average assets | 1.2572% | 667 |
| Noninterest expense to average assets | 2.6981% | 3,070 |
| Loan and lease loss provision to assets | 0.0533% | 3,035 |
| Net operating income to assets | 2.1021% | 262 |
| Return on assets (ROA) | 2.1044% | 265 |
| Pretax return on assets | 2.1388% | 416 |
| Return on Equity (ROE) | 17.5673% | 371 |
| Retained earnings to average equity (ytd only) | 3.2247% | 4,004 |
| Net charge-offs to loans | -0.0141% | 4,745 |
| Credit loss provision to net charge-offs | -500.0000% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2000% | 4,827 |
| Assets per employee ($millions) | 4.7316% | 2,791 |
| Cash dividends to net income (ytd only)* | 81.6444% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 4,223 |
| Loan loss allowance to noncurrent loans | 160.7985% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 2,890 |
| Noncurrent loans to loans | 0.6050% | 2,895 |
| Net loans and leases to total assets | 79.4237% | 1,064 |
| Net loans and leases to deposits | 92.6300% | 1,476 |
| Net loans and leases to core deposits | 100.6888% | 1,648 |
| Total domestic deposits to total assets | 85.7430% | 2,410 |
| Equity capital to assets | 12.1304% | 1,881 |
| Core capital (leverage) ratio | 12.3633% | 1,477 |
| Tier 1 risk-based capital ratio | 15.0554% | 2,892 |
| Total risk-based capital ratio | 16.0297% | 2,954 |
| Memoranda: | ||
| Average total assets | $112,521,500 | 4,061 |
| Average earning assets | $105,442,750 | 4,040 |
| Average equity | $13,479,250 | 3,962 |
| Average total loans | $85,248,500 | 3,654 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 2,246 |
| Cost of funding earning assets | 0.4399% | 2,697 |
| Net interest margin | 3.8224% | 2,199 |
| Noninterest income to average assets | 1.2391% | 680 |
| Noninterest expense to average assets | 2.7243% | 3,001 |
| Loan and lease loss provision to assets | 0.0535% | 2,907 |
| Net operating income to assets | 2.0041% | 304 |
| Return on assets (ROA) | 2.0076% | 309 |
| Pretax return on assets | 2.0432% | 497 |
| Return on Equity (ROE) | 16.8302% | 427 |
| Retained earnings to average equity (ytd only) | 0.0149% | 5,066 |
| Net charge-offs to loans | -0.0192% | 4,769 |
| Credit loss provision to net charge-offs | -375.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5507% | 4,760 |
| Assets per employee ($millions) | 4.3824% | 3,295 |
| Cash dividends to net income (ytd only)* | 99.9112% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 4,125 |
| Loan loss allowance to noncurrent loans | 187.9050% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 3,063 |
| Noncurrent loans to loans | 0.5343% | 3,157 |
| Net loans and leases to total assets | 78.3067% | 1,199 |
| Net loans and leases to deposits | 89.4086% | 1,813 |
| Net loans and leases to core deposits | 96.5333% | 1,926 |
| Total domestic deposits to total assets | 87.5829% | 1,670 |
| Equity capital to assets | 12.3048% | 1,729 |
| Core capital (leverage) ratio | 11.9238% | 1,678 |
| Tier 1 risk-based capital ratio | 15.3374% | 2,785 |
| Total risk-based capital ratio | 16.3358% | 2,828 |
| Memoranda: | ||
| Average total assets | $112,176,000 | 4,095 |
| Average earning assets | $105,013,670 | 4,070 |
| Average equity | $13,380,670 | 3,980 |
| Average total loans | $83,305,330 | 3,712 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1185% | 2,583 |
| Cost of funding earning assets | 0.4296% | 2,724 |
| Net interest margin | 3.6890% | 2,522 |
| Noninterest income to average assets | 1.2654% | 635 |
| Noninterest expense to average assets | 2.7140% | 3,090 |
| Loan and lease loss provision to assets | 0.0529% | 2,752 |
| Net operating income to assets | 1.9069% | 358 |
| Return on assets (ROA) | 1.9069% | 370 |
| Pretax return on assets | 1.9492% | 559 |
| Return on Equity (ROE) | 16.2334% | 501 |
| Retained earnings to average equity (ytd only) | 0.6301% | 4,766 |
| Net charge-offs to loans | -0.0931% | 5,430 |
| Credit loss provision to net charge-offs | -78.9474% | 3,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5486% | 4,768 |
| Assets per employee ($millions) | 4.7438% | 2,773 |
| Cash dividends to net income (ytd only)* | 96.1183% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 3,933 |
| Loan loss allowance to noncurrent loans | 202.8103% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 3,191 |
| Noncurrent loans to loans | 0.5224% | 3,249 |
| Net loans and leases to total assets | 71.0312% | 2,213 |
| Net loans and leases to deposits | 81.4096% | 2,580 |
| Net loans and leases to core deposits | 86.8448% | 2,651 |
| Total domestic deposits to total assets | 87.2516% | 2,090 |
| Equity capital to assets | 11.7453% | 2,002 |
| Core capital (leverage) ratio | 11.8061% | 1,751 |
| Tier 1 risk-based capital ratio | 15.9427% | 2,576 |
| Total risk-based capital ratio | 16.9742% | 2,599 |
| Memoranda: | ||
| Average total assets | $113,484,500 | 4,104 |
| Average earning assets | $106,154,500 | 4,081 |
| Average equity | $13,330,500 | 4,010 |
| Average total loans | $81,627,000 | 3,780 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 1,896 |
| Cost of funding earning assets | 0.4282% | 2,724 |
| Net interest margin | 3.9470% | 1,800 |
| Noninterest income to average assets | 1.5038% | 524 |
| Noninterest expense to average assets | 2.8063% | 3,000 |
| Loan and lease loss provision to assets | 0.0559% | 3,259 |
| Net operating income to assets | 2.2693% | 209 |
| Return on assets (ROA) | 2.2767% | 216 |
| Pretax return on assets | 2.3103% | 271 |
| Return on Equity (ROE) | 18.8834% | 272 |
| Retained earnings to average equity (ytd only) | 6.5110% | 1,454 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3321% | 5,217 |
| Assets per employee ($millions) | 4.7133% | 2,767 |
| Cash dividends to net income (ytd only)* | 65.5201% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 4,189 |
| Loan loss allowance to noncurrent loans | 230.4709% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 3,451 |
| Noncurrent loans to loans | 0.4428% | 3,557 |
| Net loans and leases to total assets | 71.3293% | 2,270 |
| Net loans and leases to deposits | 81.8111% | 2,691 |
| Net loans and leases to core deposits | 86.0074% | 2,850 |
| Total domestic deposits to total assets | 87.1878% | 2,035 |
| Equity capital to assets | 11.7478% | 1,970 |
| Core capital (leverage) ratio | 12.2109% | 1,470 |
| Tier 1 risk-based capital ratio | 16.0465% | 2,522 |
| Total risk-based capital ratio | 17.0455% | 2,563 |
| Memoranda: | ||
| Average total assets | $107,259,200 | 4,215 |
| Average earning assets | $99,493,800 | 4,219 |
| Average equity | $12,932,000 | 4,100 |
| Average total loans | $80,659,400 | 3,790 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 1,781 |
| Cost of funding earning assets | 0.4302% | 2,737 |
| Net interest margin | 3.9941% | 1,676 |
| Noninterest income to average assets | 1.5375% | 517 |
| Noninterest expense to average assets | 2.7386% | 3,227 |
| Loan and lease loss provision to assets | 0.0567% | 3,107 |
| Net operating income to assets | 2.4034% | 183 |
| Return on assets (ROA) | 2.4134% | 189 |
| Pretax return on assets | 2.4500% | 239 |
| Return on Equity (ROE) | 19.8810% | 244 |
| Retained earnings to average equity (ytd only) | 3.2702% | 3,943 |
| Net charge-offs to loans | -0.0017% | 4,474 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3110% | 5,367 |
| Assets per employee ($millions) | 4.2939% | 3,427 |
| Cash dividends to net income (ytd only)* | 83.5509% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 4,453 |
| Loan loss allowance to noncurrent loans | 137.7104% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6940% | 2,835 |
| Noncurrent loans to loans | 0.7210% | 2,869 |
| Net loans and leases to total assets | 75.9891% | 1,524 |
| Net loans and leases to deposits | 87.6374% | 2,062 |
| Net loans and leases to core deposits | 91.2990% | 2,455 |
| Total domestic deposits to total assets | 86.7085% | 2,027 |
| Equity capital to assets | 12.2127% | 1,974 |
| Core capital (leverage) ratio | 12.1579% | 1,569 |
| Tier 1 risk-based capital ratio | 15.4942% | 2,833 |
| Total risk-based capital ratio | 16.4814% | 2,874 |
| Memoranda: | ||
| Average total assets | $105,794,250 | 4,283 |
| Average earning assets | $97,942,750 | 4,274 |
| Average equity | $12,842,750 | 4,149 |
| Average total loans | $80,444,500 | 3,810 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 1,808 |
| Cost of funding earning assets | 0.4202% | 2,835 |
| Net interest margin | 3.9870% | 1,680 |
| Noninterest income to average assets | 1.4571% | 548 |
| Noninterest expense to average assets | 2.7831% | 3,079 |
| Loan and lease loss provision to assets | 0.0570% | 2,997 |
| Net operating income to assets | 2.2759% | 204 |
| Return on assets (ROA) | 2.2759% | 215 |
| Pretax return on assets | 2.3120% | 300 |
| Return on Equity (ROE) | 18.7867% | 310 |
| Retained earnings to average equity (ytd only) | -2.3836% | 5,571 |
| Net charge-offs to loans | 0.0150% | 3,234 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 207.8333% | 315 |
| Efficiency ratio | 54.0192% | 5,308 |
| Assets per employee ($millions) | 4.2048% | 3,560 |
| Cash dividends to net income (ytd only)* | 112.6878% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 4,473 |
| Loan loss allowance to noncurrent loans | 188.3886% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 3,393 |
| Noncurrent loans to loans | 0.5350% | 3,473 |
| Net loans and leases to total assets | 74.2830% | 1,786 |
| Net loans and leases to deposits | 85.4989% | 2,305 |
| Net loans and leases to core deposits | 88.9303% | 2,644 |
| Total domestic deposits to total assets | 86.8818% | 1,970 |
| Equity capital to assets | 12.0528% | 2,092 |
| Core capital (leverage) ratio | 11.7193% | 1,833 |
| Tier 1 risk-based capital ratio | 15.4650% | 2,872 |
| Total risk-based capital ratio | 16.4589% | 2,915 |
| Memoranda: | ||
| Average total assets | $105,276,670 | 4,328 |
| Average earning assets | $97,566,330 | 4,314 |
| Average equity | $12,753,670 | 4,190 |
| Average total loans | $79,796,000 | 3,846 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3733% | 1,885 |
| Cost of funding earning assets | 0.4039% | 3,026 |
| Net interest margin | 3.9694% | 1,712 |
| Noninterest income to average assets | 1.2453% | 703 |
| Noninterest expense to average assets | 2.7374% | 3,286 |
| Loan and lease loss provision to assets | 0.0570% | 2,806 |
| Net operating income to assets | 2.1110% | 274 |
| Return on assets (ROA) | 2.1110% | 284 |
| Pretax return on assets | 2.1451% | 422 |
| Return on Equity (ROE) | 17.3811% | 402 |
| Retained earnings to average equity (ytd only) | 1.7506% | 4,566 |
| Net charge-offs to loans | -0.0100% | 4,533 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4189% | 5,243 |
| Assets per employee ($millions) | 4.0785% | 3,817 |
| Cash dividends to net income (ytd only)* | 89.9281% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 4,646 |
| Loan loss allowance to noncurrent loans | 109.2798% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.8233% | 2,634 |
| Noncurrent loans to loans | 0.9080% | 2,582 |
| Net loans and leases to total assets | 74.2449% | 1,694 |
| Net loans and leases to deposits | 85.9873% | 2,064 |
| Net loans and leases to core deposits | 89.0299% | 2,455 |
| Total domestic deposits to total assets | 86.3440% | 2,520 |
| Equity capital to assets | 12.1123% | 1,949 |
| Core capital (leverage) ratio | 12.0988% | 1,546 |
| Tier 1 risk-based capital ratio | 15.3203% | 3,008 |
| Total risk-based capital ratio | 16.2814% | 3,079 |
| Memoranda: | ||
| Average total assets | $105,354,500 | 4,358 |
| Average earning assets | $98,050,000 | 4,340 |
| Average equity | $12,795,500 | 4,193 |
| Average total loans | $80,253,000 | 3,851 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 1,466 |
| Cost of funding earning assets | 0.3629% | 3,552 |
| Net interest margin | 4.1840% | 1,200 |
| Noninterest income to average assets | 1.4113% | 606 |
| Noninterest expense to average assets | 2.9360% | 2,742 |
| Loan and lease loss provision to assets | 0.0676% | 2,943 |
| Net operating income to assets | 2.2366% | 235 |
| Return on assets (ROA) | 2.2651% | 228 |
| Pretax return on assets | 2.2979% | 294 |
| Return on Equity (ROE) | 18.7912% | 326 |
| Retained earnings to average equity (ytd only) | 9.3090% | 588 |
| Net charge-offs to loans | 0.0455% | 3,307 |
| Credit loss provision to net charge-offs | 194.2857% | 1,430 |
| Earnings coverage of net charge-offs (x) | 67.1714% | 800 |
| Efficiency ratio | 55.6833% | 5,376 |
| Assets per employee ($millions) | 4.1867% | 3,590 |
| Cash dividends to net income (ytd only)* | 50.4607% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 4,859 |
| Loan loss allowance to noncurrent loans | 266.7820% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 3,920 |
| Noncurrent loans to loans | 0.3568% | 4,176 |
| Net loans and leases to total assets | 76.6385% | 1,316 |
| Net loans and leases to deposits | 88.8968% | 1,760 |
| Net loans and leases to core deposits | 90.7811% | 2,337 |
| Total domestic deposits to total assets | 86.2107% | 2,531 |
| Equity capital to assets | 12.1785% | 1,825 |
| Core capital (leverage) ratio | 12.4252% | 1,389 |
| Tier 1 risk-based capital ratio | 15.0762% | 3,140 |
| Total risk-based capital ratio | 16.0045% | 3,232 |
| Memoranda: | ||
| Average total assets | $100,614,000 | 4,451 |
| Average earning assets | $92,853,400 | 4,453 |
| Average equity | $12,128,000 | 4,282 |
| Average total loans | $76,884,400 | 3,914 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 1,394 |
| Cost of funding earning assets | 0.3592% | 3,658 |
| Net interest margin | 4.2173% | 1,128 |
| Noninterest income to average assets | 1.4551% | 579 |
| Noninterest expense to average assets | 2.8848% | 2,898 |
| Loan and lease loss provision to assets | 0.0709% | 2,764 |
| Net operating income to assets | 2.3497% | 202 |
| Return on assets (ROA) | 2.3882% | 198 |
| Pretax return on assets | 2.4203% | 271 |
| Return on Equity (ROE) | 19.8660% | 278 |
| Retained earnings to average equity (ytd only) | 7.0600% | 1,660 |
| Net charge-offs to loans | 0.0685% | 2,585 |
| Credit loss provision to net charge-offs | 135.8974% | 1,814 |
| Earnings coverage of net charge-offs (x) | 46.9733% | 1,102 |
| Efficiency ratio | 54.0507% | 5,509 |
| Assets per employee ($millions) | 4.1273% | 3,662 |
| Cash dividends to net income (ytd only)* | 64.4620% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 4,898 |
| Loan loss allowance to noncurrent loans | 58.7363% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 1,567 |
| Noncurrent loans to loans | 1.6501% | 1,491 |
| Net loans and leases to total assets | 77.6742% | 1,153 |
| Net loans and leases to deposits | 90.5263% | 1,581 |
| Net loans and leases to core deposits | 92.5617% | 2,210 |
| Total domestic deposits to total assets | 85.8030% | 2,638 |
| Equity capital to assets | 12.3637% | 1,819 |
| Core capital (leverage) ratio | 12.1399% | 1,600 |
| Tier 1 risk-based capital ratio | 15.2435% | 3,167 |
| Total risk-based capital ratio | 16.1979% | 3,267 |
| Memoranda: | ||
| Average total assets | $99,600,500 | 4,518 |
| Average earning assets | $91,682,750 | 4,523 |
| Average equity | $11,973,250 | 4,358 |
| Average total loans | $75,858,750 | 3,981 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 1,579 |
| Cost of funding earning assets | 0.3545% | 3,760 |
| Net interest margin | 4.1325% | 1,269 |
| Noninterest income to average assets | 1.4351% | 617 |
| Noninterest expense to average assets | 2.8542% | 3,051 |
| Loan and lease loss provision to assets | 0.0601% | 2,902 |
| Net operating income to assets | 2.3016% | 220 |
| Return on assets (ROA) | 2.3591% | 216 |
| Pretax return on assets | 2.3872% | 295 |
| Return on Equity (ROE) | 19.8115% | 282 |
| Retained earnings to average equity (ytd only) | 5.5041% | 2,534 |
| Net charge-offs to loans | 0.1223% | 1,789 |
| Credit loss provision to net charge-offs | 65.2174% | 2,534 |
| Earnings coverage of net charge-offs (x) | 25.9130% | 1,506 |
| Efficiency ratio | 54.4343% | 5,550 |
| Assets per employee ($millions) | 4.1213% | 3,637 |
| Cash dividends to net income (ytd only)* | 72.2175% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 5,164 |
| Loan loss allowance to noncurrent loans | 148.8660% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 3,489 |
| Noncurrent loans to loans | 0.6279% | 3,589 |
| Net loans and leases to total assets | 77.3645% | 1,154 |
| Net loans and leases to deposits | 91.1258% | 1,470 |
| Net loans and leases to core deposits | 92.6428% | 2,098 |
| Total domestic deposits to total assets | 84.8985% | 3,162 |
| Equity capital to assets | 12.0462% | 1,986 |
| Core capital (leverage) ratio | 11.8485% | 1,747 |
| Tier 1 risk-based capital ratio | 15.0885% | 3,308 |
| Total risk-based capital ratio | 16.0181% | 3,423 |
| Memoranda: | ||
| Average total assets | $99,782,000 | 4,557 |
| Average earning assets | $91,954,000 | 4,560 |
| Average equity | $11,882,000 | 4,403 |
| Average total loans | $75,247,000 | 4,024 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 1,819 |
| Cost of funding earning assets | 0.3503% | 3,858 |
| Net interest margin | 4.0344% | 1,455 |
| Noninterest income to average assets | 1.4888% | 547 |
| Noninterest expense to average assets | 2.8219% | 3,170 |
| Loan and lease loss provision to assets | 0.0599% | 2,731 |
| Net operating income to assets | 2.3110% | 197 |
| Return on assets (ROA) | 2.3150% | 209 |
| Pretax return on assets | 2.3349% | 306 |
| Return on Equity (ROE) | 19.5525% | 290 |
| Retained earnings to average equity (ytd only) | 11.1247% | 699 |
| Net charge-offs to loans | -0.0108% | 4,750 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1348% | 5,670 |
| Assets per employee ($millions) | 4.0220% | 3,916 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 4,909 |
| Loan loss allowance to noncurrent loans | 204.3243% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 3,949 |
| Noncurrent loans to loans | 0.5007% | 4,077 |
| Net loans and leases to total assets | 72.7402% | 1,691 |
| Net loans and leases to deposits | 85.1804% | 1,932 |
| Net loans and leases to core deposits | 86.5646% | 2,489 |
| Total domestic deposits to total assets | 85.3955% | 3,221 |
| Equity capital to assets | 11.9939% | 2,035 |
| Core capital (leverage) ratio | 11.7965% | 1,783 |
| Tier 1 risk-based capital ratio | 15.4325% | 3,181 |
| Total risk-based capital ratio | 16.4279% | 3,253 |
| Memoranda: | ||
| Average total assets | $100,217,500 | 4,588 |
| Average earning assets | $92,503,500 | 4,584 |
| Average equity | $11,865,500 | 4,435 |
| Average total loans | $74,248,500 | 4,071 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6163% | 1,512 |
| Cost of funding earning assets | 0.3812% | 3,894 |
| Net interest margin | 4.2351% | 1,201 |
| Noninterest income to average assets | 1.3558% | 663 |
| Noninterest expense to average assets | 2.9591% | 2,970 |
| Loan and lease loss provision to assets | 0.1280% | 2,049 |
| Net operating income to assets | 2.1264% | 255 |
| Return on assets (ROA) | 2.1644% | 243 |
| Pretax return on assets | 2.1943% | 320 |
| Return on Equity (ROE) | 18.2444% | 373 |
| Retained earnings to average equity (ytd only) | 6.7349% | 1,522 |
| Net charge-offs to loans | 0.4290% | 988 |
| Credit loss provision to net charge-offs | 40.4040% | 3,665 |
| Earnings coverage of net charge-offs (x) | 7.2088% | 3,064 |
| Efficiency ratio | 56.4395% | 5,626 |
| Assets per employee ($millions) | 3.9954% | 3,969 |
| Cash dividends to net income (ytd only)* | 63.0853% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 5,110 |
| Loan loss allowance to noncurrent loans | 239.1586% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 4,182 |
| Noncurrent loans to loans | 0.4142% | 4,402 |
| Net loans and leases to total assets | 73.9468% | 1,590 |
| Net loans and leases to deposits | 86.3447% | 1,937 |
| Net loans and leases to core deposits | 87.7501% | 2,526 |
| Total domestic deposits to total assets | 85.6413% | 3,015 |
| Equity capital to assets | 11.6846% | 2,269 |
| Core capital (leverage) ratio | 11.7443% | 1,798 |
| Tier 1 risk-based capital ratio | 13.0876% | 4,665 |
| Total risk-based capital ratio | 13.9366% | 4,842 |
| Memoranda: | ||
| Average total assets | $93,745,000 | 4,763 |
| Average earning assets | $86,042,400 | 4,735 |
| Average equity | $11,121,200 | 4,538 |
| Average total loans | $69,226,200 | 4,210 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 1,474 |
| Cost of funding earning assets | 0.3831% | 3,979 |
| Net interest margin | 4.2523% | 1,151 |
| Noninterest income to average assets | 1.3765% | 656 |
| Noninterest expense to average assets | 2.8875% | 3,169 |
| Loan and lease loss provision to assets | 0.1518% | 1,640 |
| Net operating income to assets | 2.2056% | 236 |
| Return on assets (ROA) | 2.2571% | 219 |
| Pretax return on assets | 2.2889% | 304 |
| Return on Equity (ROE) | 18.9487% | 353 |
| Retained earnings to average equity (ytd only) | 3.4110% | 4,193 |
| Net charge-offs to loans | 0.5873% | 634 |
| Credit loss provision to net charge-offs | 35.1171% | 3,373 |
| Earnings coverage of net charge-offs (x) | 5.5250% | 3,244 |
| Efficiency ratio | 54.7273% | 5,756 |
| Assets per employee ($millions) | 4.0802% | 3,706 |
| Cash dividends to net income (ytd only)* | 81.9986% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 5,233 |
| Loan loss allowance to noncurrent loans | 109.2284% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 3,225 |
| Noncurrent loans to loans | 0.9132% | 3,277 |
| Net loans and leases to total assets | 73.1754% | 1,651 |
| Net loans and leases to deposits | 85.1863% | 2,007 |
| Net loans and leases to core deposits | 86.5935% | 2,599 |
| Total domestic deposits to total assets | 85.9004% | 2,899 |
| Equity capital to assets | 11.4077% | 2,573 |
| Core capital (leverage) ratio | 11.5095% | 2,058 |
| Tier 1 risk-based capital ratio | 12.8213% | 4,963 |
| Total risk-based capital ratio | 13.6687% | 5,145 |
| Memoranda: | ||
| Average total assets | $92,210,250 | 4,838 |
| Average earning assets | $84,563,500 | 4,822 |
| Average equity | $10,983,750 | 4,602 |
| Average total loans | $67,882,750 | 4,280 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6118% | 1,498 |
| Cost of funding earning assets | 0.3785% | 4,121 |
| Net interest margin | 4.2333% | 1,175 |
| Noninterest income to average assets | 1.4750% | 558 |
| Noninterest expense to average assets | 2.8592% | 3,319 |
| Loan and lease loss provision to assets | 0.1993% | 1,210 |
| Net operating income to assets | 2.2681% | 200 |
| Return on assets (ROA) | 2.2811% | 207 |
| Pretax return on assets | 2.3188% | 290 |
| Return on Equity (ROE) | 18.8622% | 370 |
| Retained earnings to average equity (ytd only) | 0.9156% | 5,386 |
| Net charge-offs to loans | 0.8074% | 473 |
| Credit loss provision to net charge-offs | 33.5821% | 3,006 |
| Earnings coverage of net charge-offs (x) | 4.2201% | 3,154 |
| Efficiency ratio | 53.3031% | 5,973 |
| Assets per employee ($millions) | 4.0034% | 3,828 |
| Cash dividends to net income (ytd only)* | 95.1456% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 5,129 |
| Loan loss allowance to noncurrent loans | 166.5914% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 3,195 |
| Noncurrent loans to loans | 0.6290% | 4,138 |
| Net loans and leases to total assets | 75.6837% | 1,211 |
| Net loans and leases to deposits | 91.0062% | 1,271 |
| Net loans and leases to core deposits | 92.6567% | 1,888 |
| Total domestic deposits to total assets | 83.1632% | 4,238 |
| Equity capital to assets | 11.9192% | 2,049 |
| Core capital (leverage) ratio | 11.8027% | 1,784 |
| Tier 1 risk-based capital ratio | 13.0074% | 4,906 |
| Total risk-based capital ratio | 13.9051% | 5,053 |
| Memoranda: | ||
| Average total assets | $90,305,330 | 4,925 |
| Average earning assets | $82,960,670 | 4,902 |
| Average equity | $10,921,330 | 4,624 |
| Average total loans | $66,384,000 | 4,341 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 1,787 |
| Cost of funding earning assets | 0.3689% | 4,329 |
| Net interest margin | 4.1400% | 1,365 |
| Noninterest income to average assets | 1.4404% | 562 |
| Noninterest expense to average assets | 2.8271% | 3,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.3934% | 177 |
| Return on assets (ROA) | 2.4066% | 184 |
| Pretax return on assets | 2.4424% | 249 |
| Return on Equity (ROE) | 19.7531% | 305 |
| Retained earnings to average equity (ytd only) | 7.2697% | 1,917 |
| Net charge-offs to loans | 0.0497% | 2,685 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 67.8750% | 602 |
| Efficiency ratio | 53.7872% | 6,031 |
| Assets per employee ($millions) | 4.2634% | 3,414 |
| Cash dividends to net income (ytd only)* | 63.1970% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 3,635 |
| Loan loss allowance to noncurrent loans | 409.0090% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0376% | 3,181 |
| Noncurrent loans to loans | 0.3408% | 5,093 |
| Net loans and leases to total assets | 71.7349% | 1,615 |
| Net loans and leases to deposits | 81.8988% | 2,053 |
| Net loans and leases to core deposits | 83.3452% | 2,592 |
| Total domestic deposits to total assets | 87.5898% | 2,467 |
| Equity capital to assets | 12.3086% | 1,683 |
| Core capital (leverage) ratio | 12.1873% | 1,544 |
| Tier 1 risk-based capital ratio | 13.9066% | 4,388 |
| Total risk-based capital ratio | 15.0713% | 4,403 |
| Memoranda: | ||
| Average total assets | $89,419,000 | 4,985 |
| Average earning assets | $82,414,500 | 4,962 |
| Average equity | $10,894,500 | 4,643 |
| Average total loans | $64,363,000 | 4,447 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 1,322 |
| Cost of funding earning assets | 0.4037% | 4,609 |
| Net interest margin | 4.3946% | 922 |
| Noninterest income to average assets | 1.8336% | 451 |
| Noninterest expense to average assets | 3.1355% | 2,629 |
| Loan and lease loss provision to assets | -0.1894% | 6,587 |
| Net operating income to assets | 2.8492% | 120 |
| Return on assets (ROA) | 2.8842% | 116 |
| Pretax return on assets | 2.9233% | 132 |
| Return on Equity (ROE) | 21.8452% | 203 |
| Retained earnings to average equity (ytd only) | 5.7291% | 2,143 |
| Net charge-offs to loans | -0.1846% | 6,605 |
| Credit loss provision to net charge-offs | 144.2308% | 1,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7446% | 6,161 |
| Assets per employee ($millions) | 4.0594% | 3,738 |
| Cash dividends to net income (ytd only)* | 73.7741% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 3,453 |
| Loan loss allowance to noncurrent loans | 636.8056% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.7917% | 3,907 |
| Noncurrent loans to loans | 0.2264% | 5,510 |
| Net loans and leases to total assets | 70.1804% | 1,983 |
| Net loans and leases to deposits | 81.4958% | 2,252 |
| Net loans and leases to core deposits | 82.9607% | 2,777 |
| Total domestic deposits to total assets | 86.1153% | 3,195 |
| Equity capital to assets | 12.0584% | 1,766 |
| Core capital (leverage) ratio | 12.5277% | 1,343 |
| Tier 1 risk-based capital ratio | 14.0010% | 4,297 |
| Total risk-based capital ratio | 15.2072% | 4,261 |
| Memoranda: | ||
| Average total assets | $79,190,000 | 5,255 |
| Average earning assets | $72,088,600 | 5,252 |
| Average equity | $10,455,400 | 4,754 |
| Average total loans | $56,331,000 | 4,739 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8569% | 1,221 |
| Cost of funding earning assets | 0.4132% | 4,693 |
| Net interest margin | 4.4436% | 816 |
| Noninterest income to average assets | 2.1375% | 376 |
| Noninterest expense to average assets | 3.0854% | 2,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 3.0302% | 102 |
| Return on assets (ROA) | 3.0784% | 100 |
| Pretax return on assets | 3.1219% | 124 |
| Return on Equity (ROE) | 22.7420% | 177 |
| Retained earnings to average equity (ytd only) | 1.0921% | 5,540 |
| Net charge-offs to loans | 0.1761% | 2,812 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 24.5410% | 1,419 |
| Efficiency ratio | 50.0988% | 6,394 |
| Assets per employee ($millions) | 3.9155% | 4,006 |
| Cash dividends to net income (ytd only)* | 95.1978% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 3,481 |
| Loan loss allowance to noncurrent loans | 163.6029% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.6710% | 2,460 |
| Noncurrent loans to loans | 0.9132% | 3,991 |
| Net loans and leases to total assets | 71.3664% | 1,713 |
| Net loans and leases to deposits | 84.6023% | 1,793 |
| Net loans and leases to core deposits | 85.4126% | 2,477 |
| Total domestic deposits to total assets | 84.3551% | 4,044 |
| Equity capital to assets | 12.4731% | 1,594 |
| Core capital (leverage) ratio | 13.3304% | 1,086 |
| Tier 1 risk-based capital ratio | 14.0250% | 4,412 |
| Total risk-based capital ratio | 15.2572% | 4,380 |
| Memoranda: | ||
| Average total assets | $76,660,750 | 5,364 |
| Average earning assets | $69,370,750 | 5,377 |
| Average equity | $10,377,000 | 4,819 |
| Average total loans | $54,515,500 | 4,838 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8698% | 1,176 |
| Cost of funding earning assets | 0.4347% | 4,609 |
| Net interest margin | 4.4351% | 796 |
| Noninterest income to average assets | 2.3447% | 358 |
| Noninterest expense to average assets | 3.0292% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 3.3024% | 93 |
| Return on assets (ROA) | 3.3553% | 94 |
| Pretax return on assets | 3.4061% | 113 |
| Return on Equity (ROE) | 24.0945% | 140 |
| Retained earnings to average equity (ytd only) | -3.4558% | 6,351 |
| Net charge-offs to loans | 0.2801% | 2,084 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 16.9459% | 1,632 |
| Efficiency ratio | 47.4654% | 6,568 |
| Assets per employee ($millions) | 3.7464% | 4,310 |
| Cash dividends to net income (ytd only)* | 114.3426% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 3,002 |
| Loan loss allowance to noncurrent loans | 316.0142% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 1.5909% | 2,729 |
| Noncurrent loans to loans | 0.5199% | 4,967 |
| Net loans and leases to total assets | 70.9464% | 1,730 |
| Net loans and leases to deposits | 82.1062% | 2,045 |
| Net loans and leases to core deposits | 82.9479% | 2,701 |
| Total domestic deposits to total assets | 86.4081% | 3,163 |
| Equity capital to assets | 13.4598% | 1,157 |
| Core capital (leverage) ratio | 13.3365% | 1,040 |
| Tier 1 risk-based capital ratio | 14.9454% | 3,814 |
| Total risk-based capital ratio | 16.1968% | 3,774 |
| Memoranda: | ||
| Average total assets | $74,806,000 | 5,444 |
| Average earning assets | $68,093,000 | 5,442 |
| Average equity | $10,417,330 | 4,848 |
| Average total loans | $52,830,330 | 4,920 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8784% | 1,138 |
| Cost of funding earning assets | 0.4590% | 4,496 |
| Net interest margin | 4.4194% | 777 |
| Noninterest income to average assets | 2.3386% | 345 |
| Noninterest expense to average assets | 2.7453% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 3.5598% | 77 |
| Return on assets (ROA) | 3.6658% | 78 |
| Pretax return on assets | 3.7193% | 98 |
| Return on Equity (ROE) | 25.8894% | 115 |
| Retained earnings to average equity (ytd only) | 1.3228% | 5,321 |
| Net charge-offs to loans | 0.0230% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 225.0000% | 179 |
| Efficiency ratio | 43.1818% | 6,802 |
| Assets per employee ($millions) | 4.1419% | 3,644 |
| Cash dividends to net income (ytd only)* | 94.8905% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8358% | 2,500 |
| Loan loss allowance to noncurrent loans | 603.1447% | 732 |
| Noncurrent assets plus other real estate owned to assets | 1.7182% | 2,715 |
| Noncurrent loans to loans | 0.3044% | 5,639 |
| Net loans and leases to total assets | 68.7814% | 1,877 |
| Net loans and leases to deposits | 80.2328% | 2,046 |
| Net loans and leases to core deposits | 81.1932% | 2,668 |
| Total domestic deposits to total assets | 85.7273% | 3,666 |
| Equity capital to assets | 14.1627% | 974 |
| Core capital (leverage) ratio | 13.6689% | 886 |
| Tier 1 risk-based capital ratio | 14.4282% | 4,223 |
| Total risk-based capital ratio | 15.6793% | 4,192 |
| Memoranda: | ||
| Average total assets | $74,745,500 | 5,494 |
| Average earning assets | $67,972,500 | 5,498 |
| Average equity | $10,583,500 | 4,865 |
| Average total loans | $52,222,500 | 4,975 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0733% | 1,371 |
| Cost of funding earning assets | 0.5896% | 4,451 |
| Net interest margin | 4.4837% | 974 |
| Noninterest income to average assets | 3.5003% | 212 |
| Noninterest expense to average assets | 2.9153% | 3,580 |
| Loan and lease loss provision to assets | 0.5200% | 1,124 |
| Net operating income to assets | 4.1388% | 59 |
| Return on assets (ROA) | 4.1849% | 59 |
| Pretax return on assets | 4.2554% | 72 |
| Return on Equity (ROE) | 31.5070% | 55 |
| Retained earnings to average equity (ytd only) | 15.2121% | 148 |
| Net charge-offs to loans | -0.1706% | 6,917 |
| Credit loss provision to net charge-offs | -442.3529% | 6,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1400% | 6,967 |
| Assets per employee ($millions) | 4.1631% | 3,628 |
| Cash dividends to net income (ytd only)* | 51.7184% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 2,456 |
| Loan loss allowance to noncurrent loans | 292.4012% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 1.9764% | 2,482 |
| Noncurrent loans to loans | 0.6302% | 4,948 |
| Net loans and leases to total assets | 68.3837% | 2,126 |
| Net loans and leases to deposits | 79.8454% | 2,302 |
| Net loans and leases to core deposits | 81.1298% | 2,867 |
| Total domestic deposits to total assets | 85.6451% | 3,531 |
| Equity capital to assets | 14.1561% | 984 |
| Core capital (leverage) ratio | 13.9085% | 828 |
| Tier 1 risk-based capital ratio | 14.4360% | 4,077 |
| Total risk-based capital ratio | 15.6877% | 4,024 |
| Memoranda: | ||
| Average total assets | $72,307,800 | 5,572 |
| Average earning assets | $66,820,200 | 5,521 |
| Average equity | $9,604,200 | 5,074 |
| Average total loans | $49,809,600 | 5,116 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1074% | 1,413 |
| Cost of funding earning assets | 0.6201% | 4,448 |
| Net interest margin | 4.4872% | 1,015 |
| Noninterest income to average assets | 3.0090% | 245 |
| Noninterest expense to average assets | 2.6536% | 4,545 |
| Loan and lease loss provision to assets | 0.6606% | 791 |
| Net operating income to assets | 3.7955% | 67 |
| Return on assets (ROA) | 3.8575% | 70 |
| Pretax return on assets | 3.9189% | 83 |
| Return on Equity (ROE) | 29.5505% | 82 |
| Retained earnings to average equity (ytd only) | 7.2415% | 1,987 |
| Net charge-offs to loans | 1.0323% | 1,022 |
| Credit loss provision to net charge-offs | 93.1759% | 3,204 |
| Earnings coverage of net charge-offs (x) | 6.3700% | 2,805 |
| Efficiency ratio | 37.0101% | 7,059 |
| Assets per employee ($millions) | 4.3707% | 3,131 |
| Cash dividends to net income (ytd only)* | 75.4943% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 6,295 |
| Loan loss allowance to noncurrent loans | 424.1071% | 891 |
| Noncurrent assets plus other real estate owned to assets | 1.8748% | 2,823 |
| Noncurrent loans to loans | 0.2197% | 6,060 |
| Net loans and leases to total assets | 67.9753% | 2,302 |
| Net loans and leases to deposits | 79.9225% | 2,400 |
| Net loans and leases to core deposits | 81.2271% | 3,058 |
| Total domestic deposits to total assets | 85.0515% | 3,721 |
| Equity capital to assets | 13.1046% | 1,542 |
| Core capital (leverage) ratio | 12.5281% | 1,397 |
| Tier 1 risk-based capital ratio | 13.2760% | 5,038 |
| Total risk-based capital ratio | 13.9697% | 5,424 |
| Memoranda: | ||
| Average total assets | $71,650,750 | 5,643 |
| Average earning assets | $66,438,500 | 5,600 |
| Average equity | $9,353,250 | 5,189 |
| Average total loans | $49,210,500 | 5,196 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 1,490 |
| Cost of funding earning assets | 0.6510% | 4,431 |
| Net interest margin | 4.4547% | 1,071 |
| Noninterest income to average assets | 2.9392% | 251 |
| Noninterest expense to average assets | 2.5944% | 4,794 |
| Loan and lease loss provision to assets | 0.7913% | 640 |
| Net operating income to assets | 3.6684% | 72 |
| Return on assets (ROA) | 3.6684% | 72 |
| Pretax return on assets | 3.7306% | 95 |
| Return on Equity (ROE) | 28.1399% | 99 |
| Retained earnings to average equity (ytd only) | 1.0406% | 5,661 |
| Net charge-offs to loans | 0.0617% | 4,558 |
| Credit loss provision to net charge-offs | 1,866.6667% | 167 |
| Earnings coverage of net charge-offs (x) | 106.6667% | 402 |
| Efficiency ratio | 36.4575% | 7,118 |
| Assets per employee ($millions) | 4.2731% | 3,307 |
| Cash dividends to net income (ytd only)* | 96.3020% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 4,097 |
| Loan loss allowance to noncurrent loans | 61.4767% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.3650% | 2,357 |
| Noncurrent loans to loans | 2.4115% | 2,496 |
| Net loans and leases to total assets | 70.0742% | 1,907 |
| Net loans and leases to deposits | 83.4123% | 1,930 |
| Net loans and leases to core deposits | 84.8202% | 2,586 |
| Total domestic deposits to total assets | 84.0095% | 4,314 |
| Equity capital to assets | 12.7363% | 1,663 |
| Core capital (leverage) ratio | 12.2615% | 1,465 |
| Tier 1 risk-based capital ratio | 12.7925% | 5,344 |
| Total risk-based capital ratio | 13.9279% | 5,412 |
| Memoranda: | ||
| Average total assets | $70,767,000 | 5,709 |
| Average earning assets | $66,356,670 | 5,634 |
| Average equity | $9,225,330 | 5,219 |
| Average total loans | $48,620,000 | 5,253 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5429% | 705 |
| Cost of funding earning assets | 0.6959% | 4,317 |
| Net interest margin | 4.8470% | 513 |
| Noninterest income to average assets | 2.5491% | 295 |
| Noninterest expense to average assets | 2.5663% | 4,940 |
| Loan and lease loss provision to assets | 0.4296% | 1,461 |
| Net operating income to assets | 4.0098% | 67 |
| Return on assets (ROA) | 4.0098% | 72 |
| Pretax return on assets | 4.0613% | 88 |
| Return on Equity (ROE) | 30.3951% | 98 |
| Retained earnings to average equity (ytd only) | 3.9079% | 4,244 |
| Net charge-offs to loans | 0.1274% | 3,347 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 52.2667% | 618 |
| Efficiency ratio | 36.3636% | 7,176 |
| Assets per employee ($millions) | 4.0962% | 3,807 |
| Cash dividends to net income (ytd only)* | 87.1429% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 5,413 |
| Loan loss allowance to noncurrent loans | 46.7111% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 2.4025% | 2,465 |
| Noncurrent loans to loans | 2.6022% | 2,500 |
| Net loans and leases to total assets | 65.4728% | 2,564 |
| Net loans and leases to deposits | 75.6061% | 2,862 |
| Net loans and leases to core deposits | 77.4123% | 3,409 |
| Total domestic deposits to total assets | 86.5973% | 3,175 |
| Equity capital to assets | 13.2606% | 1,335 |
| Core capital (leverage) ratio | 12.4605% | 1,357 |
| Tier 1 risk-based capital ratio | 13.6946% | 4,685 |
| Total risk-based capital ratio | 14.5803% | 4,943 |
| Memoranda: | ||
| Average total assets | $69,829,000 | 5,785 |
| Average earning assets | $64,947,500 | 5,723 |
| Average equity | $9,212,000 | 5,243 |
| Average total loans | $47,095,000 | 5,336 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6571% | 855 |
| Cost of funding earning assets | 0.9423% | 3,772 |
| Net interest margin | 4.7148% | 726 |
| Noninterest income to average assets | 1.8457% | 427 |
| Noninterest expense to average assets | 2.6689% | 4,855 |
| Loan and lease loss provision to assets | 0.3098% | 3,187 |
| Net operating income to assets | 3.1780% | 75 |
| Return on assets (ROA) | 3.1780% | 76 |
| Pretax return on assets | 3.2260% | 107 |
| Return on Equity (ROE) | 26.4637% | 83 |
| Retained earnings to average equity (ytd only) | 13.7466% | 184 |
| Net charge-offs to loans | 0.5962% | 2,660 |
| Credit loss provision to net charge-offs | 80.0752% | 4,444 |
| Earnings coverage of net charge-offs (x) | 9.1391% | 2,033 |
| Efficiency ratio | 43.0145% | 7,150 |
| Assets per employee ($millions) | 4.1190% | 3,614 |
| Cash dividends to net income (ytd only)* | 48.0549% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 6,024 |
| Loan loss allowance to noncurrent loans | 43.5652% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 2.3164% | 2,606 |
| Noncurrent loans to loans | 2.3940% | 2,731 |
| Net loans and leases to total assets | 67.8863% | 2,421 |
| Net loans and leases to deposits | 80.9937% | 2,359 |
| Net loans and leases to core deposits | 82.9816% | 3,027 |
| Total domestic deposits to total assets | 83.8167% | 4,406 |
| Equity capital to assets | 13.1243% | 1,430 |
| Core capital (leverage) ratio | 12.5732% | 1,319 |
| Tier 1 risk-based capital ratio | 13.2987% | 4,833 |
| Total risk-based capital ratio | 14.0750% | 5,200 |
| Memoranda: | ||
| Average total assets | $68,754,400 | 5,785 |
| Average earning assets | $63,565,800 | 5,751 |
| Average equity | $8,256,600 | 5,490 |
| Average total loans | $44,618,800 | 5,485 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6751% | 885 |
| Cost of funding earning assets | 0.9947% | 3,718 |
| Net interest margin | 4.6804% | 795 |
| Noninterest income to average assets | 1.6345% | 501 |
| Noninterest expense to average assets | 2.5775% | 5,162 |
| Loan and lease loss provision to assets | 0.0253% | 6,138 |
| Net operating income to assets | 3.3061% | 79 |
| Return on assets (ROA) | 3.3061% | 80 |
| Pretax return on assets | 3.3587% | 111 |
| Return on Equity (ROE) | 28.2007% | 74 |
| Retained earnings to average equity (ytd only) | 10.7519% | 670 |
| Net charge-offs to loans | -0.0914% | 7,150 |
| Credit loss provision to net charge-offs | -43.3333% | 6,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2353% | 7,171 |
| Assets per employee ($millions) | 4.0277% | 3,786 |
| Cash dividends to net income (ytd only)* | 61.8741% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 5,006 |
| Loan loss allowance to noncurrent loans | 53.7838% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 2.3105% | 2,776 |
| Noncurrent loans to loans | 2.4194% | 2,862 |
| Net loans and leases to total assets | 66.1331% | 2,873 |
| Net loans and leases to deposits | 80.6562% | 2,567 |
| Net loans and leases to core deposits | 82.7235% | 3,223 |
| Total domestic deposits to total assets | 81.9938% | 5,093 |
| Equity capital to assets | 12.7134% | 1,779 |
| Core capital (leverage) ratio | 12.1027% | 1,648 |
| Tier 1 risk-based capital ratio | 12.9684% | 5,116 |
| Total risk-based capital ratio | 13.9248% | 5,325 |
| Memoranda: | ||
| Average total assets | $68,437,250 | 5,828 |
| Average earning assets | $63,269,500 | 5,798 |
| Average equity | $8,023,250 | 5,594 |
| Average total loans | $43,764,250 | 5,571 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5791% | 1,112 |
| Cost of funding earning assets | 1.0461% | 3,633 |
| Net interest margin | 4.5330% | 1,048 |
| Noninterest income to average assets | 1.2510% | 807 |
| Noninterest expense to average assets | 2.4932% | 5,569 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.8936% | 109 |
| Return on assets (ROA) | 2.8936% | 112 |
| Pretax return on assets | 2.9375% | 147 |
| Return on Equity (ROE) | 25.3976% | 125 |
| Retained earnings to average equity (ytd only) | 4.1047% | 3,583 |
| Net charge-offs to loans | -0.1301% | 7,219 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9096% | 7,158 |
| Assets per employee ($millions) | 3.9998% | 3,756 |
| Cash dividends to net income (ytd only)* | 83.8384% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 4,861 |
| Loan loss allowance to noncurrent loans | 8,314.2857% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 5,499 |
| Noncurrent loans to loans | 0.0162% | 6,959 |
| Net loans and leases to total assets | 62.8243% | 3,713 |
| Net loans and leases to deposits | 72.7387% | 3,990 |
| Net loans and leases to core deposits | 75.6593% | 4,360 |
| Total domestic deposits to total assets | 86.3698% | 3,116 |
| Equity capital to assets | 11.8051% | 2,240 |
| Core capital (leverage) ratio | 11.3583% | 2,008 |
| Tier 1 risk-based capital ratio | 12.6228% | 5,241 |
| Total risk-based capital ratio | 13.5884% | 5,468 |
| Memoranda: | ||
| Average total assets | $68,426,000 | 5,876 |
| Average earning assets | $63,092,670 | 5,852 |
| Average equity | $7,796,000 | 5,673 |
| Average total loans | $43,059,330 | 5,659 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5220% | 1,238 |
| Cost of funding earning assets | 1.0968% | 3,547 |
| Net interest margin | 4.4252% | 1,228 |
| Noninterest income to average assets | 1.1480% | 990 |
| Noninterest expense to average assets | 2.4009% | 5,881 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.7739% | 133 |
| Return on assets (ROA) | 2.7739% | 139 |
| Pretax return on assets | 2.8146% | 173 |
| Return on Equity (ROE) | 24.7901% | 171 |
| Retained earnings to average equity (ytd only) | 3.9581% | 3,799 |
| Net charge-offs to loans | -0.2329% | 7,290 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0335% | 7,202 |
| Assets per employee ($millions) | 4.1581% | 3,530 |
| Cash dividends to net income (ytd only)* | 84.0336% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 4,917 |
| Loan loss allowance to noncurrent loans | 8,271.4286% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.8027% | 5,303 |
| Noncurrent loans to loans | 0.0163% | 7,028 |
| Net loans and leases to total assets | 63.7842% | 3,476 |
| Net loans and leases to deposits | 73.4157% | 3,857 |
| Net loans and leases to core deposits | 76.4058% | 4,249 |
| Total domestic deposits to total assets | 86.8809% | 3,009 |
| Equity capital to assets | 11.6957% | 2,128 |
| Core capital (leverage) ratio | 10.8799% | 2,285 |
| Tier 1 risk-based capital ratio | 12.5572% | 5,208 |
| Total risk-based capital ratio | 13.5236% | 5,458 |
| Memoranda: | ||
| Average total assets | $68,641,000 | 5,913 |
| Average earning assets | $63,093,000 | 5,892 |
| Average equity | $7,680,500 | 5,714 |
| Average total loans | $42,939,000 | 5,709 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0568% | 760 |
| Cost of funding earning assets | 1.4008% | 3,261 |
| Net interest margin | 4.6561% | 894 |
| Noninterest income to average assets | 1.8967% | 436 |
| Noninterest expense to average assets | 2.5672% | 5,555 |
| Loan and lease loss provision to assets | 0.2271% | 5,007 |
| Net operating income to assets | 3.3379% | 60 |
| Return on assets (ROA) | 3.3498% | 61 |
| Pretax return on assets | 3.4013% | 94 |
| Return on Equity (ROE) | 31.9835% | 31 |
| Retained earnings to average equity (ytd only) | 21.3609% | 44 |
| Net charge-offs to loans | -0.1094% | 7,507 |
| Credit loss provision to net charge-offs | -326.0870% | 7,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5177% | 7,478 |
| Assets per employee ($millions) | 4.4221% | 2,986 |
| Cash dividends to net income (ytd only)* | 33.2128% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 5,043 |
| Loan loss allowance to noncurrent loans | 1,385.0000% | 284 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 4,916 |
| Noncurrent loans to loans | 0.0933% | 6,898 |
| Net loans and leases to total assets | 59.7996% | 4,711 |
| Net loans and leases to deposits | 72.1091% | 4,500 |
| Net loans and leases to core deposits | 74.6550% | 4,894 |
| Total domestic deposits to total assets | 82.9293% | 4,821 |
| Equity capital to assets | 10.7133% | 2,938 |
| Core capital (leverage) ratio | 10.8849% | 2,239 |
| Tier 1 risk-based capital ratio | 12.2072% | 5,290 |
| Total risk-based capital ratio | 13.1152% | 5,591 |
| Memoranda: | ||
| Average total assets | $66,063,400 | 5,998 |
| Average earning assets | $60,823,800 | 5,967 |
| Average equity | $6,919,200 | 6,060 |
| Average total loans | $42,030,400 | 5,834 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1498% | 682 |
| Cost of funding earning assets | 1.4628% | 3,202 |
| Net interest margin | 4.6871% | 870 |
| Noninterest income to average assets | 1.8389% | 433 |
| Noninterest expense to average assets | 2.4841% | 5,766 |
| Loan and lease loss provision to assets | 0.3082% | 4,113 |
| Net operating income to assets | 3.3145% | 65 |
| Return on assets (ROA) | 3.3306% | 68 |
| Pretax return on assets | 3.3820% | 95 |
| Return on Equity (ROE) | 32.0000% | 38 |
| Retained earnings to average equity (ytd only) | 17.4904% | 123 |
| Net charge-offs to loans | -0.1435% | 7,591 |
| Credit loss provision to net charge-offs | -333.3333% | 6,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3403% | 7,573 |
| Assets per employee ($millions) | 4.4285% | 3,030 |
| Cash dividends to net income (ytd only)* | 45.3426% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 4,855 |
| Loan loss allowance to noncurrent loans | 4,253.8462% | 93 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 4,975 |
| Noncurrent loans to loans | 0.0310% | 7,173 |
| Net loans and leases to total assets | 62.2804% | 4,464 |
| Net loans and leases to deposits | 75.5483% | 4,255 |
| Net loans and leases to core deposits | 78.3527% | 4,764 |
| Total domestic deposits to total assets | 82.4379% | 4,823 |
| Equity capital to assets | 11.0618% | 2,900 |
| Core capital (leverage) ratio | 10.4648% | 2,723 |
| Tier 1 risk-based capital ratio | 11.5138% | 5,921 |
| Total risk-based capital ratio | 12.4425% | 6,195 |
| Memoranda: | ||
| Average total assets | $64,891,000 | 6,103 |
| Average earning assets | $59,794,000 | 6,068 |
| Average equity | $6,754,000 | 6,198 |
| Average total loans | $41,822,000 | 5,922 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0428% | 854 |
| Cost of funding earning assets | 1.5141% | 3,179 |
| Net interest margin | 4.5287% | 1,146 |
| Noninterest income to average assets | 1.1836% | 919 |
| Noninterest expense to average assets | 2.4356% | 5,957 |
| Loan and lease loss provision to assets | 0.3107% | 3,898 |
| Net operating income to assets | 2.5787% | 126 |
| Return on assets (ROA) | 2.6033% | 127 |
| Pretax return on assets | 2.6344% | 192 |
| Return on Equity (ROE) | 25.5644% | 113 |
| Retained earnings to average equity (ytd only) | 12.5991% | 424 |
| Net charge-offs to loans | -0.0718% | 7,510 |
| Credit loss provision to net charge-offs | -666.6667% | 6,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4756% | 7,461 |
| Assets per employee ($millions) | 4.0439% | 3,685 |
| Cash dividends to net income (ytd only)* | 50.7160% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,842 |
| Loan loss allowance to noncurrent loans | 9,480.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 4,833 |
| Noncurrent loans to loans | 0.0118% | 7,302 |
| Net loans and leases to total assets | 64.5859% | 4,135 |
| Net loans and leases to deposits | 78.0665% | 3,953 |
| Net loans and leases to core deposits | 81.0241% | 4,551 |
| Total domestic deposits to total assets | 82.7319% | 4,678 |
| Equity capital to assets | 10.4740% | 3,441 |
| Core capital (leverage) ratio | 9.8552% | 3,336 |
| Tier 1 risk-based capital ratio | 14.2293% | 3,587 |
| Total risk-based capital ratio | 15.2862% | 3,674 |
| Memoranda: | ||
| Average total assets | $64,379,000 | 6,164 |
| Average earning assets | $59,310,670 | 6,124 |
| Average equity | $6,556,000 | 6,283 |
| Average total loans | $41,788,000 | 5,968 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9574% | 1,059 |
| Cost of funding earning assets | 1.5738% | 3,115 |
| Net interest margin | 4.3836% | 1,436 |
| Noninterest income to average assets | 0.8845% | 1,685 |
| Noninterest expense to average assets | 2.4168% | 6,027 |
| Loan and lease loss provision to assets | 0.6229% | 2,037 |
| Net operating income to assets | 1.8687% | 431 |
| Return on assets (ROA) | 1.8687% | 472 |
| Pretax return on assets | 1.8874% | 748 |
| Return on Equity (ROE) | 18.6176% | 470 |
| Retained earnings to average equity (ytd only) | 13.9632% | 511 |
| Net charge-offs to loans | -0.0481% | 7,340 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0518% | 7,373 |
| Assets per employee ($millions) | 4.2141% | 3,437 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 5,980 |
| Loan loss allowance to noncurrent loans | 798.2759% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.9033% | 5,352 |
| Noncurrent loans to loans | 0.1386% | 7,059 |
| Net loans and leases to total assets | 65.4886% | 3,990 |
| Net loans and leases to deposits | 80.0789% | 3,645 |
| Net loans and leases to core deposits | 82.9928% | 4,344 |
| Total domestic deposits to total assets | 81.7801% | 5,166 |
| Equity capital to assets | 10.3716% | 3,377 |
| Core capital (leverage) ratio | 9.7889% | 3,410 |
| Tier 1 risk-based capital ratio | 14.1290% | 3,579 |
| Total risk-based capital ratio | 15.1850% | 3,661 |
| Memoranda: | ||
| Average total assets | $64,217,000 | 6,235 |
| Average earning assets | $59,220,500 | 6,200 |
| Average equity | $6,445,500 | 6,364 |
| Average total loans | $41,550,500 | 6,047 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2903% | 1,047 |
| Cost of funding earning assets | 1.9302% | 3,302 |
| Net interest margin | 4.3601% | 1,545 |
| Noninterest income to average assets | 1.3198% | 862 |
| Noninterest expense to average assets | 2.4822% | 6,199 |
| Loan and lease loss provision to assets | 1.4128% | 1,624 |
| Net operating income to assets | 1.4112% | 830 |
| Return on assets (ROA) | 1.3340% | 1,015 |
| Pretax return on assets | 1.3592% | 1,532 |
| Return on Equity (ROE) | 13.8096% | 817 |
| Retained earnings to average equity (ytd only) | 5.0869% | 1,775 |
| Net charge-offs to loans | 1.9110% | 1,295 |
| Credit loss provision to net charge-offs | 113.4008% | 4,835 |
| Earnings coverage of net charge-offs (x) | 2.2882% | 4,013 |
| Efficiency ratio | 46.5446% | 7,690 |
| Assets per employee ($millions) | 4.3482% | 3,197 |
| Cash dividends to net income (ytd only)* | 63.1641% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 6,926 |
| Loan loss allowance to noncurrent loans | 526.4706% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 5,320 |
| Noncurrent loans to loans | 0.1649% | 7,013 |
| Net loans and leases to total assets | 62.6834% | 4,867 |
| Net loans and leases to deposits | 71.5393% | 5,398 |
| Net loans and leases to core deposits | 92.1600% | 4,866 |
| Total domestic deposits to total assets | 87.6209% | 2,161 |
| Equity capital to assets | 9.7128% | 4,133 |
| Core capital (leverage) ratio | 9.2657% | 4,030 |
| Tier 1 risk-based capital ratio | 13.5117% | 3,812 |
| Total risk-based capital ratio | 14.3219% | 4,042 |
| Memoranda: | ||
| Average total assets | $63,492,200 | 6,219 |
| Average earning assets | $58,439,000 | 6,202 |
| Average equity | $6,133,400 | 6,560 |
| Average total loans | $41,392,400 | 6,043 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3304% | 1,068 |
| Cost of funding earning assets | 1.9586% | 3,571 |
| Net interest margin | 4.3718% | 1,523 |
| Noninterest income to average assets | 1.3574% | 822 |
| Noninterest expense to average assets | 2.4357% | 6,290 |
| Loan and lease loss provision to assets | 1.5794% | 1,200 |
| Net operating income to assets | 1.3407% | 1,139 |
| Return on assets (ROA) | 1.3532% | 1,180 |
| Pretax return on assets | 1.3807% | 1,749 |
| Return on Equity (ROE) | 14.0278% | 923 |
| Retained earnings to average equity (ytd only) | 2.3015% | 4,041 |
| Net charge-offs to loans | 2.4748% | 741 |
| Credit loss provision to net charge-offs | 97.1391% | 5,261 |
| Earnings coverage of net charge-offs (x) | 1.8127% | 4,441 |
| Efficiency ratio | 45.2474% | 7,794 |
| Assets per employee ($millions) | 3.9984% | 3,735 |
| Cash dividends to net income (ytd only)* | 83.5945% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5625% | 7,629 |
| Loan loss allowance to noncurrent loans | 270.5882% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.9582% | 5,145 |
| Noncurrent loans to loans | 0.2079% | 6,980 |
| Net loans and leases to total assets | 63.5498% | 4,960 |
| Net loans and leases to deposits | 73.0605% | 5,499 |
| Net loans and leases to core deposits | 97.2306% | 4,683 |
| Total domestic deposits to total assets | 86.9824% | 2,191 |
| Equity capital to assets | 9.7741% | 4,384 |
| Core capital (leverage) ratio | 9.0586% | 4,561 |
| Tier 1 risk-based capital ratio | 13.4104% | 3,917 |
| Total risk-based capital ratio | 13.9456% | 4,348 |
| Memoranda: | ||
| Average total assets | $63,059,500 | 6,279 |
| Average earning assets | $58,067,500 | 6,253 |
| Average equity | $6,083,000 | 6,636 |
| Average total loans | $41,430,000 | 6,089 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4016% | 1,009 |
| Cost of funding earning assets | 1.9478% | 4,016 |
| Net interest margin | 4.4537% | 1,277 |
| Noninterest income to average assets | 1.6031% | 585 |
| Noninterest expense to average assets | 2.4668% | 6,237 |
| Loan and lease loss provision to assets | 1.3067% | 1,312 |
| Net operating income to assets | 1.8867% | 385 |
| Return on assets (ROA) | 1.8867% | 416 |
| Pretax return on assets | 1.9250% | 660 |
| Return on Equity (ROE) | 19.6471% | 359 |
| Retained earnings to average equity (ytd only) | 1.8917% | 4,292 |
| Net charge-offs to loans | 2.4320% | 727 |
| Credit loss provision to net charge-offs | 81.0277% | 5,170 |
| Earnings coverage of net charge-offs (x) | 2.0040% | 4,086 |
| Efficiency ratio | 43.2886% | 7,943 |
| Assets per employee ($millions) | 3.9473% | 3,779 |
| Cash dividends to net income (ytd only)* | 90.3716% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3809% | 7,919 |
| Loan loss allowance to noncurrent loans | 45.5072% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 1.6372% | 3,752 |
| Noncurrent loans to loans | 0.8370% | 5,549 |
| Net loans and leases to total assets | 65.0184% | 4,761 |
| Net loans and leases to deposits | 73.9314% | 5,463 |
| Net loans and leases to core deposits | 97.0046% | 4,789 |
| Total domestic deposits to total assets | 87.9441% | 1,802 |
| Equity capital to assets | 9.2881% | 4,898 |
| Core capital (leverage) ratio | 9.1490% | 4,387 |
| Tier 1 risk-based capital ratio | 13.1470% | 4,041 |
| Total risk-based capital ratio | 13.5082% | 4,628 |
| Memoranda: | ||
| Average total assets | $62,754,330 | 6,342 |
| Average earning assets | $57,704,670 | 6,327 |
| Average equity | $6,026,330 | 6,703 |
| Average total loans | $41,611,330 | 6,129 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5360% | 809 |
| Cost of funding earning assets | 1.9510% | 4,378 |
| Net interest margin | 4.5850% | 962 |
| Noninterest income to average assets | 1.9823% | 372 |
| Noninterest expense to average assets | 2.3404% | 6,401 |
| Loan and lease loss provision to assets | 0.3837% | 3,025 |
| Net operating income to assets | 3.4594% | 45 |
| Return on assets (ROA) | 3.4594% | 53 |
| Pretax return on assets | 3.4658% | 84 |
| Return on Equity (ROE) | 35.4376% | 53 |
| Retained earnings to average equity (ytd only) | 24.6295% | 90 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8099% | 8,086 |
| Assets per employee ($millions) | 3.8526% | 3,972 |
| Cash dividends to net income (ytd only)* | 30.4991% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7572% | 7,289 |
| Loan loss allowance to noncurrent loans | 37.5451% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 2.3426% | 2,446 |
| Noncurrent loans to loans | 2.0168% | 3,243 |
| Net loans and leases to total assets | 66.3363% | 4,506 |
| Net loans and leases to deposits | 77.4026% | 5,027 |
| Net loans and leases to core deposits | 100.2304% | 4,516 |
| Total domestic deposits to total assets | 85.7029% | 2,869 |
| Equity capital to assets | 10.2317% | 3,729 |
| Core capital (leverage) ratio | 9.7177% | 3,729 |
| Tier 1 risk-based capital ratio | 14.0440% | 3,564 |
| Total risk-based capital ratio | 14.7702% | 3,777 |
| Memoranda: | ||
| Average total assets | $62,553,500 | 6,377 |
| Average earning assets | $57,405,000 | 6,357 |
| Average equity | $6,106,500 | 6,722 |
| Average total loans | $41,807,000 | 6,153 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4030% | 3,405 |
| Cost of funding earning assets | 2.7256% | 3,038 |
| Net interest margin | 3.6774% | 4,568 |
| Noninterest income to average assets | 0.8719% | 2,095 |
| Noninterest expense to average assets | 2.3865% | 6,442 |
| Loan and lease loss provision to assets | 0.1841% | 5,055 |
| Net operating income to assets | 1.6938% | 684 |
| Return on assets (ROA) | 1.6890% | 668 |
| Pretax return on assets | 1.6841% | 1,176 |
| Return on Equity (ROE) | 19.9367% | 379 |
| Retained earnings to average equity (ytd only) | 14.5237% | 105 |
| Net charge-offs to loans | 0.4362% | 2,649 |
| Credit loss provision to net charge-offs | 65.1429% | 6,157 |
| Earnings coverage of net charge-offs (x) | 6.6286% | 3,310 |
| Efficiency ratio | 56.0273% | 7,008 |
| Assets per employee ($millions) | 3.7332% | 4,098 |
| Cash dividends to net income (ytd only)* | 27.1511% | 4,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5965% | 7,686 |
| Loan loss allowance to noncurrent loans | 199.2126% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 1.1660% | 3,927 |
| Noncurrent loans to loans | 0.2995% | 6,484 |
| Net loans and leases to total assets | 66.4272% | 4,767 |
| Net loans and leases to deposits | 81.6114% | 4,776 |
| Net loans and leases to core deposits | 103.0078% | 4,505 |
| Total domestic deposits to total assets | 81.3945% | 4,468 |
| Equity capital to assets | 9.3059% | 4,931 |
| Core capital (leverage) ratio | 9.4368% | 4,105 |
| Tier 1 risk-based capital ratio | 12.7249% | 4,276 |
| Total risk-based capital ratio | 13.2939% | 4,670 |
| Memoranda: | ||
| Average total assets | $61,931,600 | 6,319 |
| Average earning assets | $57,051,000 | 6,297 |
| Average equity | $5,246,600 | 7,066 |
| Average total loans | $40,115,800 | 6,155 |