Home > Homeland Federal Savings Bank > Performance and Condition Ratios
Homeland Federal Savings 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 | 6.1691% | 516 |
| Cost of funding earning assets | 2.2859% | 558 |
| Net interest margin | 3.8832% | 1,409 |
| Noninterest income to average assets | 1.4400% | 406 |
| Noninterest expense to average assets | 2.8935% | 1,289 |
| Loan and lease loss provision to assets | 0.5600% | 149 |
| Net operating income to assets | 1.6333% | 820 |
| Return on assets (ROA) | 1.6333% | 789 |
| Pretax return on assets | 1.6333% | 1,175 |
| Return on Equity (ROE) | 17.5000% | 891 |
| Retained earnings to average equity (ytd only) | 4.0700% | 2,934 |
| Net charge-offs to loans | 0.2545% | 418 |
| Credit loss provision to net charge-offs | 252.6132% | 1,062 |
| Earnings coverage of net charge-offs (x) | 9.9042% | 2,262 |
| Efficiency ratio | 56.8910% | 3,406 |
| Assets per employee ($millions) | 6.0169% | 2,807 |
| Cash dividends to net income (ytd only)* | 76.7414% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6939% | 672 |
| Loan loss allowance to noncurrent loans | 205.1661% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.9098% | 548 |
| Noncurrent loans to loans | 0.8256% | 932 |
| Net loans and leases to total assets | 84.6900% | 225 |
| Net loans and leases to deposits | 96.8308% | 728 |
| Net loans and leases to core deposits | 119.6648% | 636 |
| Total domestic deposits to total assets | 87.4700% | 1,532 |
| Equity capital to assets | 9.1741% | 2,561 |
| Core capital (leverage) ratio | 9.2000% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $518,572,600 | 1,695 |
| Average earning assets | $486,733,400 | 1,673 |
| Average equity | $48,403,400 | 1,650 |
| Average total loans | $451,152,200 | 1,342 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0397% | 505 |
| Cost of funding earning assets | 2.0990% | 594 |
| Net interest margin | 3.9407% | 1,322 |
| Noninterest income to average assets | 1.5700% | 375 |
| Noninterest expense to average assets | 2.6714% | 1,738 |
| Loan and lease loss provision to assets | 0.6400% | 115 |
| Net operating income to assets | 1.9637% | 527 |
| Return on assets (ROA) | 1.9637% | 518 |
| Pretax return on assets | 1.9637% | 790 |
| Return on Equity (ROE) | 20.9400% | 645 |
| Retained earnings to average equity (ytd only) | 7.0791% | 2,252 |
| Net charge-offs to loans | 0.1961% | 448 |
| Credit loss provision to net charge-offs | 372.3404% | 756 |
| Earnings coverage of net charge-offs (x) | 15.2021% | 1,969 |
| Efficiency ratio | 50.6707% | 3,863 |
| Assets per employee ($millions) | 6.0382% | 2,717 |
| Cash dividends to net income (ytd only)* | 66.1989% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7197% | 671 |
| Loan loss allowance to noncurrent loans | 171.4810% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9920% | 532 |
| Noncurrent loans to loans | 1.0029% | 800 |
| Net loans and leases to total assets | 83.5300% | 321 |
| Net loans and leases to deposits | 94.7630% | 837 |
| Net loans and leases to core deposits | 116.9347% | 638 |
| Total domestic deposits to total assets | 88.1500% | 1,516 |
| Equity capital to assets | 9.1770% | 2,304 |
| Core capital (leverage) ratio | 9.6237% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $512,834,500 | 1,706 |
| Average earning assets | $482,174,750 | 1,681 |
| Average equity | $48,084,250 | 1,644 |
| Average total loans | $447,303,750 | 1,350 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9698% | 460 |
| Cost of funding earning assets | 1.8994% | 609 |
| Net interest margin | 4.0704% | 1,129 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.4869% | 2,240 |
| Loan and lease loss provision to assets | 0.4600% | 166 |
| Net operating income to assets | 1.4774% | 1,149 |
| Return on assets (ROA) | 1.4774% | 1,140 |
| Pretax return on assets | 1.4774% | 1,639 |
| Return on Equity (ROE) | 15.6400% | 1,332 |
| Retained earnings to average equity (ytd only) | 0.8971% | 3,931 |
| Net charge-offs to loans | 0.1175% | 613 |
| Credit loss provision to net charge-offs | 442.3077% | 695 |
| Earnings coverage of net charge-offs (x) | 18.7038% | 1,756 |
| Efficiency ratio | 56.2404% | 3,393 |
| Assets per employee ($millions) | 5.6992% | 2,971 |
| Cash dividends to net income (ytd only)* | 94.2634% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 1,058 |
| Loan loss allowance to noncurrent loans | 152.9207% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.9902% | 476 |
| Noncurrent loans to loans | 1.0097% | 748 |
| Net loans and leases to total assets | 87.5400% | 98 |
| Net loans and leases to deposits | 99.2977% | 553 |
| Net loans and leases to core deposits | 118.4557% | 557 |
| Total domestic deposits to total assets | 88.1600% | 1,547 |
| Equity capital to assets | 9.2966% | 2,314 |
| Core capital (leverage) ratio | 9.5412% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $502,633,667 | 1,721 |
| Average earning assets | $472,144,000 | 1,704 |
| Average equity | $47,488,667 | 1,661 |
| Average total loans | $442,447,333 | 1,338 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6488% | 485 |
| Cost of funding earning assets | 1.5935% | 704 |
| Net interest margin | 4.0553% | 1,169 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.7780% | 1,490 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.4642% | 1,253 |
| Return on assets (ROA) | 1.4642% | 1,228 |
| Pretax return on assets | 1.4642% | 1,742 |
| Return on Equity (ROE) | 15.3700% | 1,482 |
| Retained earnings to average equity (ytd only) | -1.5109% | 4,174 |
| Net charge-offs to loans | 0.1469% | 463 |
| Credit loss provision to net charge-offs | 125.0000% | 1,020 |
| Earnings coverage of net charge-offs (x) | 12.6313% | 1,606 |
| Efficiency ratio | 63.0935% | 2,557 |
| Assets per employee ($millions) | 5.3873% | 3,329 |
| Cash dividends to net income (ytd only)* | 109.8298% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 1,595 |
| Loan loss allowance to noncurrent loans | 326.8743% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 1,097 |
| Noncurrent loans to loans | 0.4301% | 1,643 |
| Net loans and leases to total assets | 84.8300% | 192 |
| Net loans and leases to deposits | 95.9293% | 657 |
| Net loans and leases to core deposits | 113.1230% | 610 |
| Total domestic deposits to total assets | 88.4300% | 1,767 |
| Equity capital to assets | 9.2432% | 2,323 |
| Core capital (leverage) ratio | 9.5879% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $497,486,500 | 1,746 |
| Average earning assets | $467,145,000 | 1,735 |
| Average equity | $47,390,500 | 1,676 |
| Average total loans | $435,635,000 | 1,366 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4059% | 175 |
| Cost of funding earning assets | 0.7625% | 448 |
| Net interest margin | 4.6434% | 228 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 3.0395% | 910 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 1.5729% | 734 |
| Return on assets (ROA) | 1.5729% | 700 |
| Pretax return on assets | 1.5729% | 1,230 |
| Return on Equity (ROE) | 16.6000% | 942 |
| Retained earnings to average equity (ytd only) | 4.8795% | 3,102 |
| Net charge-offs to loans | 0.1111% | 677 |
| Credit loss provision to net charge-offs | 335.9909% | 854 |
| Earnings coverage of net charge-offs (x) | 20.1367% | 1,891 |
| Efficiency ratio | 61.6852% | 2,810 |
| Assets per employee ($millions) | 5.4907% | 3,224 |
| Cash dividends to net income (ytd only)* | 70.6042% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 1,408 |
| Loan loss allowance to noncurrent loans | 377.3620% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 1,179 |
| Noncurrent loans to loans | 0.3783% | 1,784 |
| Net loans and leases to total assets | 87.9100% | 73 |
| Net loans and leases to deposits | 100.0924% | 435 |
| Net loans and leases to core deposits | 109.8870% | 614 |
| Total domestic deposits to total assets | 87.8300% | 2,131 |
| Equity capital to assets | 9.8256% | 1,803 |
| Core capital (leverage) ratio | 9.9672% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $468,238,200 | 1,810 |
| Average earning assets | $435,434,000 | 1,805 |
| Average equity | $44,369,000 | 1,776 |
| Average total loans | $395,303,200 | 1,409 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2800% | 148 |
| Cost of funding earning assets | 0.6216% | 390 |
| Net interest margin | 4.6585% | 177 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 3.0090% | 893 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 1.5885% | 674 |
| Return on assets (ROA) | 1.5885% | 655 |
| Pretax return on assets | 1.5885% | 1,145 |
| Return on Equity (ROE) | 16.9300% | 808 |
| Retained earnings to average equity (ytd only) | 4.8447% | 3,152 |
| Net charge-offs to loans | 0.0431% | 1,058 |
| Credit loss provision to net charge-offs | 900.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 53.2720% | 1,248 |
| Efficiency ratio | 61.1539% | 2,946 |
| Assets per employee ($millions) | 5.3932% | 3,333 |
| Cash dividends to net income (ytd only)* | 71.3769% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 1,472 |
| Loan loss allowance to noncurrent loans | 196.4974% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 686 |
| Noncurrent loans to loans | 0.7345% | 1,109 |
| Net loans and leases to total assets | 86.0300% | 119 |
| Net loans and leases to deposits | 96.9297% | 500 |
| Net loans and leases to core deposits | 106.1908% | 582 |
| Total domestic deposits to total assets | 88.7500% | 2,185 |
| Equity capital to assets | 9.6552% | 1,796 |
| Core capital (leverage) ratio | 9.6386% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $464,503,250 | 1,825 |
| Average earning assets | $430,946,750 | 1,828 |
| Average equity | $43,592,500 | 1,834 |
| Average total loans | $386,403,000 | 1,428 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1600% | 136 |
| Cost of funding earning assets | 0.5956% | 282 |
| Net interest margin | 4.5645% | 173 |
| Noninterest income to average assets | 0.6211% | 1,653 |
| Noninterest expense to average assets | 2.9584% | 897 |
| Loan and lease loss provision to assets | 0.3060% | 214 |
| Net operating income to assets | 1.5679% | 591 |
| Return on assets (ROA) | 1.5679% | 576 |
| Pretax return on assets | 1.5679% | 1,011 |
| Return on Equity (ROE) | 16.8793% | 583 |
| Retained earnings to average equity (ytd only) | 4.1740% | 3,021 |
| Net charge-offs to loans | 0.0765% | 702 |
| Credit loss provision to net charge-offs | 489.5105% | 637 |
| Earnings coverage of net charge-offs (x) | 29.9790% | 1,389 |
| Efficiency ratio | 61.2212% | 3,149 |
| Assets per employee ($millions) | 5.5658% | 3,157 |
| Cash dividends to net income (ytd only)* | 75.2718% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 1,571 |
| Loan loss allowance to noncurrent loans | 200.7431% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.7185% | 744 |
| Noncurrent loans to loans | 0.7209% | 1,200 |
| Net loans and leases to total assets | 77.9916% | 555 |
| Net loans and leases to deposits | 87.3840% | 885 |
| Net loans and leases to core deposits | 97.6992% | 768 |
| Total domestic deposits to total assets | 89.2516% | 2,072 |
| Equity capital to assets | 9.3407% | 2,134 |
| Core capital (leverage) ratio | 10.0348% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $457,542,000 | 1,850 |
| Average earning assets | $422,128,000 | 1,875 |
| Average equity | $42,501,667 | 1,913 |
| Average total loans | $373,975,000 | 1,458 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 129 |
| Cost of funding earning assets | 0.5954% | 270 |
| Net interest margin | 4.5317% | 163 |
| Noninterest income to average assets | 0.5143% | 2,075 |
| Noninterest expense to average assets | 2.8425% | 1,077 |
| Loan and lease loss provision to assets | 0.1824% | 418 |
| Net operating income to assets | 1.6196% | 486 |
| Return on assets (ROA) | 1.6196% | 485 |
| Pretax return on assets | 1.6196% | 798 |
| Return on Equity (ROE) | 17.4900% | 373 |
| Retained earnings to average equity (ytd only) | 2.7180% | 3,356 |
| Net charge-offs to loans | 0.5710% | 122 |
| Credit loss provision to net charge-offs | 38.3877% | 1,235 |
| Earnings coverage of net charge-offs (x) | 3.7927% | 1,652 |
| Efficiency ratio | 61.2016% | 3,358 |
| Assets per employee ($millions) | 4.9210% | 3,815 |
| Cash dividends to net income (ytd only)* | 84.4595% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 2,268 |
| Loan loss allowance to noncurrent loans | 273.7864% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 1,037 |
| Noncurrent loans to loans | 0.4813% | 1,825 |
| Net loans and leases to total assets | 81.9639% | 165 |
| Net loans and leases to deposits | 91.7609% | 443 |
| Net loans and leases to core deposits | 106.9418% | 333 |
| Total domestic deposits to total assets | 89.3233% | 1,912 |
| Equity capital to assets | 9.2947% | 2,444 |
| Core capital (leverage) ratio | 9.5019% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $438,634,500 | 1,914 |
| Average earning assets | $399,761,500 | 1,960 |
| Average equity | $40,617,500 | 2,030 |
| Average total loans | $364,957,500 | 1,478 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5352% | 127 |
| Cost of funding earning assets | 0.8341% | 168 |
| Net interest margin | 4.7012% | 207 |
| Noninterest income to average assets | 1.1188% | 836 |
| Noninterest expense to average assets | 3.1470% | 789 |
| Loan and lease loss provision to assets | 0.7760% | 57 |
| Net operating income to assets | 1.5015% | 1,011 |
| Return on assets (ROA) | 1.5015% | 1,059 |
| Pretax return on assets | 1.5015% | 1,721 |
| Return on Equity (ROE) | 16.1189% | 736 |
| Retained earnings to average equity (ytd only) | 4.9933% | 2,785 |
| Net charge-offs to loans | 0.5997% | 134 |
| Credit loss provision to net charge-offs | 152.8183% | 1,480 |
| Earnings coverage of net charge-offs (x) | 4.4849% | 2,490 |
| Efficiency ratio | 58.0149% | 3,444 |
| Assets per employee ($millions) | 5.0494% | 3,689 |
| Cash dividends to net income (ytd only)* | 69.0222% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,934 |
| Loan loss allowance to noncurrent loans | 217.8450% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 790 |
| Noncurrent loans to loans | 0.6413% | 1,554 |
| Net loans and leases to total assets | 82.1829% | 172 |
| Net loans and leases to deposits | 91.8653% | 485 |
| Net loans and leases to core deposits | 108.0531% | 319 |
| Total domestic deposits to total assets | 89.4602% | 1,264 |
| Equity capital to assets | 9.2254% | 3,393 |
| Core capital (leverage) ratio | 9.8065% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $405,270,000 | 1,968 |
| Average earning assets | $371,185,200 | 1,998 |
| Average equity | $37,750,600 | 2,167 |
| Average total loans | $343,194,600 | 1,546 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5020% | 147 |
| Cost of funding earning assets | 0.8947% | 154 |
| Net interest margin | 4.6073% | 260 |
| Noninterest income to average assets | 1.3015% | 695 |
| Noninterest expense to average assets | 3.2042% | 705 |
| Loan and lease loss provision to assets | 0.9056% | 45 |
| Net operating income to assets | 1.4349% | 1,428 |
| Return on assets (ROA) | 1.4349% | 1,498 |
| Pretax return on assets | 1.4349% | 2,195 |
| Return on Equity (ROE) | 15.3635% | 1,069 |
| Retained earnings to average equity (ytd only) | 4.5695% | 3,383 |
| Net charge-offs to loans | 0.7957% | 88 |
| Credit loss provision to net charge-offs | 133.8133% | 1,407 |
| Earnings coverage of net charge-offs (x) | 3.4583% | 2,309 |
| Efficiency ratio | 57.7879% | 3,302 |
| Assets per employee ($millions) | 4.7789% | 3,904 |
| Cash dividends to net income (ytd only)* | 70.2576% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,298 |
| Loan loss allowance to noncurrent loans | 197.9815% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 802 |
| Noncurrent loans to loans | 0.6749% | 1,630 |
| Net loans and leases to total assets | 86.5963% | 58 |
| Net loans and leases to deposits | 97.5518% | 290 |
| Net loans and leases to core deposits | 116.3784% | 222 |
| Total domestic deposits to total assets | 88.7696% | 1,420 |
| Equity capital to assets | 9.4483% | 3,424 |
| Core capital (leverage) ratio | 9.5954% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,763,000 | 2,020 |
| Average earning assets | $365,411,500 | 2,042 |
| Average equity | $37,056,500 | 2,226 |
| Average total loans | $337,457,500 | 1,593 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 194 |
| Cost of funding earning assets | 0.9554% | 139 |
| Net interest margin | 4.4574% | 386 |
| Noninterest income to average assets | 0.6174% | 2,141 |
| Noninterest expense to average assets | 3.1113% | 826 |
| Loan and lease loss provision to assets | 0.2632% | 364 |
| Net operating income to assets | 1.3416% | 1,737 |
| Return on assets (ROA) | 1.3416% | 1,816 |
| Pretax return on assets | 1.3416% | 2,512 |
| Return on Equity (ROE) | 14.4209% | 1,302 |
| Retained earnings to average equity (ytd only) | 2.7253% | 3,927 |
| Net charge-offs to loans | -0.0132% | 3,798 |
| Credit loss provision to net charge-offs | -2,363.6364% | 3,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9727% | 2,156 |
| Assets per employee ($millions) | 4.8362% | 3,801 |
| Cash dividends to net income (ytd only)* | 81.1015% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 2,278 |
| Loan loss allowance to noncurrent loans | 94.6943% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.5513% | 354 |
| Noncurrent loans to loans | 1.4070% | 830 |
| Net loans and leases to total assets | 86.3777% | 72 |
| Net loans and leases to deposits | 97.1683% | 346 |
| Net loans and leases to core deposits | 116.1494% | 261 |
| Total domestic deposits to total assets | 88.8950% | 1,333 |
| Equity capital to assets | 9.4858% | 3,340 |
| Core capital (leverage) ratio | 9.4626% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $395,208,333 | 2,021 |
| Average earning assets | $363,398,333 | 2,044 |
| Average equity | $36,766,000 | 2,233 |
| Average total loans | $332,500,333 | 1,617 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3536% | 220 |
| Cost of funding earning assets | 1.0348% | 113 |
| Net interest margin | 4.3188% | 500 |
| Noninterest income to average assets | 0.6016% | 2,205 |
| Noninterest expense to average assets | 3.0563% | 905 |
| Loan and lease loss provision to assets | 0.2015% | 600 |
| Net operating income to assets | 1.2969% | 1,838 |
| Return on assets (ROA) | 1.2969% | 1,913 |
| Pretax return on assets | 1.2969% | 2,583 |
| Return on Equity (ROE) | 14.0773% | 1,414 |
| Retained earnings to average equity (ytd only) | -2.3298% | 4,563 |
| Net charge-offs to loans | -0.0293% | 4,163 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1018% | 2,056 |
| Assets per employee ($millions) | 5.0811% | 3,547 |
| Cash dividends to net income (ytd only)* | 116.5501% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,532 |
| Loan loss allowance to noncurrent loans | 112.1636% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.2254% | 608 |
| Noncurrent loans to loans | 1.1393% | 1,175 |
| Net loans and leases to total assets | 80.7890% | 294 |
| Net loans and leases to deposits | 91.3785% | 623 |
| Net loans and leases to core deposits | 109.0365% | 440 |
| Total domestic deposits to total assets | 88.4114% | 1,651 |
| Equity capital to assets | 8.9664% | 3,723 |
| Core capital (leverage) ratio | 9.3058% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,945,500 | 2,004 |
| Average earning assets | $363,341,500 | 2,028 |
| Average equity | $36,569,500 | 2,227 |
| Average total loans | $327,280,500 | 1,639 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9784% | 98 |
| Cost of funding earning assets | 1.4435% | 106 |
| Net interest margin | 4.5348% | 310 |
| Noninterest income to average assets | 0.6558% | 2,000 |
| Noninterest expense to average assets | 3.0843% | 1,265 |
| Loan and lease loss provision to assets | 0.4043% | 770 |
| Net operating income to assets | 1.3196% | 1,201 |
| Return on assets (ROA) | 1.3196% | 1,299 |
| Pretax return on assets | 1.3196% | 1,919 |
| Return on Equity (ROE) | 13.8658% | 849 |
| Retained earnings to average equity (ytd only) | 6.2192% | 1,698 |
| Net charge-offs to loans | 0.1496% | 1,088 |
| Credit loss provision to net charge-offs | 331.1258% | 1,636 |
| Earnings coverage of net charge-offs (x) | 14.1192% | 2,235 |
| Efficiency ratio | 64.1460% | 2,799 |
| Assets per employee ($millions) | 4.7245% | 3,694 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,680 |
| Loan loss allowance to noncurrent loans | 111.5204% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 678 |
| Noncurrent loans to loans | 1.1217% | 1,261 |
| Net loans and leases to total assets | 82.0555% | 289 |
| Net loans and leases to deposits | 93.3282% | 699 |
| Net loans and leases to core deposits | 112.4666% | 442 |
| Total domestic deposits to total assets | 87.9215% | 1,514 |
| Equity capital to assets | 9.4712% | 3,645 |
| Core capital (leverage) ratio | 9.5499% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $371,013,800 | 1,956 |
| Average earning assets | $339,725,000 | 1,985 |
| Average equity | $35,309,800 | 2,219 |
| Average total loans | $302,758,600 | 1,672 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0434% | 104 |
| Cost of funding earning assets | 1.5383% | 104 |
| Net interest margin | 4.5051% | 367 |
| Noninterest income to average assets | 0.6101% | 2,133 |
| Noninterest expense to average assets | 3.0858% | 1,256 |
| Loan and lease loss provision to assets | 0.3906% | 924 |
| Net operating income to assets | 1.2671% | 1,431 |
| Return on assets (ROA) | 1.2671% | 1,548 |
| Pretax return on assets | 1.2671% | 2,168 |
| Return on Equity (ROE) | 13.2971% | 1,033 |
| Retained earnings to average equity (ytd only) | 4.9077% | 2,598 |
| Net charge-offs to loans | 0.0582% | 1,778 |
| Credit loss provision to net charge-offs | 826.9231% | 957 |
| Earnings coverage of net charge-offs (x) | 35.0923% | 1,464 |
| Efficiency ratio | 65.0529% | 2,585 |
| Assets per employee ($millions) | 4.6502% | 3,656 |
| Cash dividends to net income (ytd only)* | 63.0915% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,515 |
| Loan loss allowance to noncurrent loans | 104.6667% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.4327% | 620 |
| Noncurrent loans to loans | 1.1734% | 1,293 |
| Net loans and leases to total assets | 82.7848% | 380 |
| Net loans and leases to deposits | 94.4520% | 891 |
| Net loans and leases to core deposits | 115.4933% | 514 |
| Total domestic deposits to total assets | 87.6475% | 1,377 |
| Equity capital to assets | 9.3836% | 3,782 |
| Core capital (leverage) ratio | 9.3296% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,915,750 | 1,952 |
| Average earning assets | $336,648,000 | 1,972 |
| Average equity | $34,964,250 | 2,223 |
| Average total loans | $297,969,500 | 1,688 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1095% | 129 |
| Cost of funding earning assets | 1.6526% | 90 |
| Net interest margin | 4.4570% | 556 |
| Noninterest income to average assets | 0.5661% | 2,276 |
| Noninterest expense to average assets | 3.0476% | 1,470 |
| Loan and lease loss provision to assets | 0.3728% | 1,122 |
| Net operating income to assets | 1.2256% | 1,567 |
| Return on assets (ROA) | 1.2256% | 1,688 |
| Pretax return on assets | 1.2256% | 2,270 |
| Return on Equity (ROE) | 12.7926% | 1,152 |
| Retained earnings to average equity (ytd only) | 2.9920% | 3,396 |
| Net charge-offs to loans | 0.2022% | 761 |
| Credit loss provision to net charge-offs | 229.5918% | 1,807 |
| Earnings coverage of net charge-offs (x) | 9.8435% | 2,194 |
| Efficiency ratio | 65.5968% | 2,576 |
| Assets per employee ($millions) | 4.9578% | 3,220 |
| Cash dividends to net income (ytd only)* | 76.6111% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,096 |
| Loan loss allowance to noncurrent loans | 72.9700% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.4481% | 665 |
| Noncurrent loans to loans | 1.5003% | 1,008 |
| Net loans and leases to total assets | 78.5208% | 783 |
| Net loans and leases to deposits | 89.0312% | 1,445 |
| Net loans and leases to core deposits | 108.9543% | 772 |
| Total domestic deposits to total assets | 88.1947% | 1,087 |
| Equity capital to assets | 9.0626% | 4,031 |
| Core capital (leverage) ratio | 9.2143% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7811% | 2,699 |
| Memoranda: | ||
| Average total assets | $362,116,000 | 1,956 |
| Average earning assets | $331,481,667 | 1,975 |
| Average equity | $34,692,000 | 2,223 |
| Average total loans | $290,760,667 | 1,704 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9152% | 179 |
| Cost of funding earning assets | 1.8021% | 85 |
| Net interest margin | 4.1131% | 1,111 |
| Noninterest income to average assets | 0.7535% | 1,458 |
| Noninterest expense to average assets | 3.0336% | 1,796 |
| Loan and lease loss provision to assets | 0.0858% | 2,617 |
| Net operating income to assets | 1.3870% | 1,021 |
| Return on assets (ROA) | 1.3870% | 1,096 |
| Pretax return on assets | 1.3870% | 1,602 |
| Return on Equity (ROE) | 14.0577% | 690 |
| Retained earnings to average equity (ytd only) | 0.1507% | 3,956 |
| Net charge-offs to loans | 0.1656% | 795 |
| Credit loss provision to net charge-offs | 64.1026% | 2,001 |
| Earnings coverage of net charge-offs (x) | 11.0085% | 1,741 |
| Efficiency ratio | 67.3179% | 2,765 |
| Assets per employee ($millions) | 4.5691% | 3,173 |
| Cash dividends to net income (ytd only)* | 98.9283% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,547 |
| Loan loss allowance to noncurrent loans | 93.5669% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 929 |
| Noncurrent loans to loans | 1.1004% | 1,506 |
| Net loans and leases to total assets | 79.2405% | 787 |
| Net loans and leases to deposits | 92.0482% | 1,274 |
| Net loans and leases to core deposits | 114.5861% | 643 |
| Total domestic deposits to total assets | 86.0859% | 1,966 |
| Equity capital to assets | 9.6968% | 4,046 |
| Core capital (leverage) ratio | 9.9213% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4611% | 2,497 |
| Memoranda: | ||
| Average total assets | $349,819,500 | 1,961 |
| Average earning assets | $319,176,500 | 1,979 |
| Average equity | $34,515,000 | 2,222 |
| Average total loans | $282,637,000 | 1,702 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2311% | 157 |
| Cost of funding earning assets | 1.7620% | 162 |
| Net interest margin | 4.4691% | 765 |
| Noninterest income to average assets | 0.9869% | 999 |
| Noninterest expense to average assets | 3.2513% | 1,404 |
| Loan and lease loss provision to assets | 0.4693% | 280 |
| Net operating income to assets | 1.3455% | 1,519 |
| Return on assets (ROA) | 1.3455% | 1,601 |
| Pretax return on assets | 1.3455% | 2,346 |
| Return on Equity (ROE) | 13.4597% | 1,028 |
| Retained earnings to average equity (ytd only) | 5.0083% | 2,408 |
| Net charge-offs to loans | 0.6798% | 249 |
| Credit loss provision to net charge-offs | 84.8896% | 2,733 |
| Earnings coverage of net charge-offs (x) | 3.2824% | 3,334 |
| Efficiency ratio | 64.1776% | 3,048 |
| Assets per employee ($millions) | 4.7674% | 2,873 |
| Cash dividends to net income (ytd only)* | 62.7907% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,144 |
| Loan loss allowance to noncurrent loans | 98.4473% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.0421% | 1,191 |
| Noncurrent loans to loans | 1.0813% | 1,397 |
| Net loans and leases to total assets | 80.6851% | 704 |
| Net loans and leases to deposits | 95.3304% | 1,017 |
| Net loans and leases to core deposits | 118.0331% | 538 |
| Total domestic deposits to total assets | 84.6373% | 2,630 |
| Equity capital to assets | 10.0427% | 3,879 |
| Core capital (leverage) ratio | 10.1618% | 3,340 |
| Tier 1 risk-based capital ratio | 12.7614% | 3,912 |
| Total risk-based capital ratio | 13.8652% | 3,885 |
| Memoranda: | ||
| Average total assets | $319,592,600 | 2,041 |
| Average earning assets | $291,713,400 | 2,079 |
| Average equity | $31,947,200 | 2,301 |
| Average total loans | $259,943,800 | 1,777 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2217% | 169 |
| Cost of funding earning assets | 1.7169% | 190 |
| Net interest margin | 4.5048% | 755 |
| Noninterest income to average assets | 0.7808% | 1,482 |
| Noninterest expense to average assets | 3.3141% | 1,237 |
| Loan and lease loss provision to assets | 0.2657% | 586 |
| Net operating income to assets | 1.3164% | 1,789 |
| Return on assets (ROA) | 1.3164% | 1,866 |
| Pretax return on assets | 1.3164% | 2,611 |
| Return on Equity (ROE) | 13.1857% | 1,209 |
| Retained earnings to average equity (ytd only) | 3.8190% | 3,485 |
| Net charge-offs to loans | 0.3797% | 439 |
| Credit loss provision to net charge-offs | 86.0882% | 2,438 |
| Earnings coverage of net charge-offs (x) | 5.1267% | 2,946 |
| Efficiency ratio | 67.6882% | 2,471 |
| Assets per employee ($millions) | 4.6542% | 2,964 |
| Cash dividends to net income (ytd only)* | 71.0365% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,586 |
| Loan loss allowance to noncurrent loans | 81.6719% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3223% | 903 |
| Noncurrent loans to loans | 1.4508% | 1,051 |
| Net loans and leases to total assets | 78.2934% | 1,092 |
| Net loans and leases to deposits | 92.4435% | 1,380 |
| Net loans and leases to core deposits | 116.6224% | 635 |
| Total domestic deposits to total assets | 84.6933% | 2,542 |
| Equity capital to assets | 9.5419% | 4,423 |
| Core capital (leverage) ratio | 9.8024% | 3,853 |
| Tier 1 risk-based capital ratio | 13.1124% | 3,793 |
| Total risk-based capital ratio | 14.3629% | 3,697 |
| Memoranda: | ||
| Average total assets | $313,677,500 | 2,093 |
| Average earning assets | $286,558,750 | 2,122 |
| Average equity | $31,316,000 | 2,345 |
| Average total loans | $254,946,250 | 1,814 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2548% | 154 |
| Cost of funding earning assets | 1.6683% | 212 |
| Net interest margin | 4.5864% | 637 |
| Noninterest income to average assets | 0.8632% | 1,170 |
| Noninterest expense to average assets | 3.4019% | 1,100 |
| Loan and lease loss provision to assets | 0.3099% | 437 |
| Net operating income to assets | 1.3343% | 1,636 |
| Return on assets (ROA) | 1.3343% | 1,701 |
| Pretax return on assets | 1.3343% | 2,428 |
| Return on Equity (ROE) | 13.1527% | 1,193 |
| Retained earnings to average equity (ytd only) | 2.2189% | 4,048 |
| Net charge-offs to loans | 0.5521% | 280 |
| Credit loss provision to net charge-offs | 68.4438% | 2,329 |
| Earnings coverage of net charge-offs (x) | 3.6311% | 2,820 |
| Efficiency ratio | 67.4166% | 2,624 |
| Assets per employee ($millions) | 4.4129% | 3,271 |
| Cash dividends to net income (ytd only)* | 83.1296% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,640 |
| Loan loss allowance to noncurrent loans | 419.9723% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 2,499 |
| Noncurrent loans to loans | 0.2803% | 3,531 |
| Net loans and leases to total assets | 80.0143% | 877 |
| Net loans and leases to deposits | 95.0570% | 1,144 |
| Net loans and leases to core deposits | 117.4478% | 630 |
| Total domestic deposits to total assets | 84.1750% | 2,789 |
| Equity capital to assets | 9.8869% | 4,069 |
| Core capital (leverage) ratio | 10.1578% | 3,435 |
| Tier 1 risk-based capital ratio | 13.4098% | 3,624 |
| Total risk-based capital ratio | 14.6603% | 3,530 |
| Memoranda: | ||
| Average total assets | $306,536,330 | 2,145 |
| Average earning assets | $279,562,670 | 2,170 |
| Average equity | $31,096,330 | 2,350 |
| Average total loans | $251,425,670 | 1,836 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1438% | 174 |
| Cost of funding earning assets | 1.5899% | 237 |
| Net interest margin | 4.5539% | 672 |
| Noninterest income to average assets | 0.8334% | 1,204 |
| Noninterest expense to average assets | 3.5329% | 921 |
| Loan and lease loss provision to assets | 0.1661% | 1,013 |
| Net operating income to assets | 1.3106% | 1,660 |
| Return on assets (ROA) | 1.3106% | 1,702 |
| Pretax return on assets | 1.3106% | 2,415 |
| Return on Equity (ROE) | 12.7483% | 1,304 |
| Retained earnings to average equity (ytd only) | -2.7669% | 4,801 |
| Net charge-offs to loans | 0.3058% | 494 |
| Credit loss provision to net charge-offs | 65.7895% | 1,883 |
| Earnings coverage of net charge-offs (x) | 5.8474% | 2,234 |
| Efficiency ratio | 70.5227% | 2,260 |
| Assets per employee ($millions) | 4.0032% | 3,916 |
| Cash dividends to net income (ytd only)* | 121.7039% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 2,271 |
| Loan loss allowance to noncurrent loans | 237.6400% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.6738% | 2,081 |
| Noncurrent loans to loans | 0.5302% | 2,726 |
| Net loans and leases to total assets | 81.9544% | 591 |
| Net loans and leases to deposits | 98.8609% | 712 |
| Net loans and leases to core deposits | 127.4708% | 347 |
| Total domestic deposits to total assets | 82.8987% | 3,419 |
| Equity capital to assets | 10.1346% | 3,689 |
| Core capital (leverage) ratio | 10.3444% | 3,230 |
| Tier 1 risk-based capital ratio | 13.4821% | 3,612 |
| Total risk-based capital ratio | 14.7337% | 3,519 |
| Memoranda: | ||
| Average total assets | $300,938,500 | 2,194 |
| Average earning assets | $275,984,000 | 2,201 |
| Average equity | $30,937,500 | 2,363 |
| Average total loans | $248,509,000 | 1,863 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2498% | 121 |
| Cost of funding earning assets | 1.2853% | 234 |
| Net interest margin | 4.9645% | 285 |
| Noninterest income to average assets | 1.0906% | 780 |
| Noninterest expense to average assets | 3.6995% | 774 |
| Loan and lease loss provision to assets | 0.4417% | 293 |
| Net operating income to assets | 1.4635% | 1,225 |
| Return on assets (ROA) | 1.4635% | 1,217 |
| Pretax return on assets | 1.4635% | 1,899 |
| Return on Equity (ROE) | 14.3090% | 978 |
| Retained earnings to average equity (ytd only) | 5.4918% | 2,485 |
| Net charge-offs to loans | 0.1702% | 1,126 |
| Credit loss provision to net charge-offs | 312.5000% | 997 |
| Earnings coverage of net charge-offs (x) | 13.4792% | 2,452 |
| Efficiency ratio | 66.0077% | 2,873 |
| Assets per employee ($millions) | 4.0771% | 3,779 |
| Cash dividends to net income (ytd only)* | 61.6197% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 1,914 |
| Loan loss allowance to noncurrent loans | 184.8036% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 1,563 |
| Noncurrent loans to loans | 0.7186% | 2,188 |
| Net loans and leases to total assets | 81.0554% | 799 |
| Net loans and leases to deposits | 98.1269% | 889 |
| Net loans and leases to core deposits | 120.1999% | 539 |
| Total domestic deposits to total assets | 82.6026% | 3,454 |
| Equity capital to assets | 10.4294% | 3,255 |
| Core capital (leverage) ratio | 10.6843% | 2,850 |
| Tier 1 risk-based capital ratio | 14.0166% | 3,279 |
| Total risk-based capital ratio | 15.2692% | 3,212 |
| Memoranda: | ||
| Average total assets | $271,682,200 | 2,317 |
| Average earning assets | $247,033,600 | 2,360 |
| Average equity | $27,786,800 | 2,467 |
| Average total loans | $225,647,600 | 1,984 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2467% | 114 |
| Cost of funding earning assets | 1.1974% | 263 |
| Net interest margin | 5.0493% | 240 |
| Noninterest income to average assets | 0.9985% | 961 |
| Noninterest expense to average assets | 3.8029% | 669 |
| Loan and lease loss provision to assets | 0.3142% | 454 |
| Net operating income to assets | 1.4691% | 1,278 |
| Return on assets (ROA) | 1.4691% | 1,276 |
| Pretax return on assets | 1.4691% | 1,999 |
| Return on Equity (ROE) | 14.4436% | 999 |
| Retained earnings to average equity (ytd only) | 4.8046% | 3,343 |
| Net charge-offs to loans | 0.1762% | 945 |
| Credit loss provision to net charge-offs | 214.0411% | 1,314 |
| Earnings coverage of net charge-offs (x) | 12.1474% | 2,472 |
| Efficiency ratio | 68.0767% | 2,525 |
| Assets per employee ($millions) | 3.9814% | 3,920 |
| Cash dividends to net income (ytd only)* | 66.7353% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 2,864 |
| Loan loss allowance to noncurrent loans | 88.3632% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.2290% | 1,131 |
| Noncurrent loans to loans | 1.3094% | 1,280 |
| Net loans and leases to total assets | 82.3690% | 650 |
| Net loans and leases to deposits | 104.5792% | 517 |
| Net loans and leases to core deposits | 137.7229% | 227 |
| Total domestic deposits to total assets | 78.7623% | 4,366 |
| Equity capital to assets | 10.1088% | 3,531 |
| Core capital (leverage) ratio | 10.4179% | 3,167 |
| Tier 1 risk-based capital ratio | 13.4012% | 3,678 |
| Total risk-based capital ratio | 14.6513% | 3,601 |
| Memoranda: | ||
| Average total assets | $265,195,000 | 2,380 |
| Average earning assets | $240,953,000 | 2,417 |
| Average equity | $26,973,250 | 2,521 |
| Average total loans | $220,936,250 | 2,022 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2643% | 102 |
| Cost of funding earning assets | 1.1040% | 288 |
| Net interest margin | 5.1603% | 185 |
| Noninterest income to average assets | 0.8867% | 1,221 |
| Noninterest expense to average assets | 3.9002% | 600 |
| Loan and lease loss provision to assets | 0.2131% | 781 |
| Net operating income to assets | 1.4688% | 1,230 |
| Return on assets (ROA) | 1.4688% | 1,230 |
| Pretax return on assets | 1.4688% | 1,931 |
| Return on Equity (ROE) | 14.4079% | 984 |
| Retained earnings to average equity (ytd only) | 7.1849% | 1,987 |
| Net charge-offs to loans | -0.2205% | 5,343 |
| Credit loss provision to net charge-offs | -116.0338% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8695% | 2,336 |
| Assets per employee ($millions) | 3.6354% | 4,417 |
| Cash dividends to net income (ytd only)* | 50.1319% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 2,195 |
| Loan loss allowance to noncurrent loans | 220.1197% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 2,234 |
| Noncurrent loans to loans | 0.5881% | 2,652 |
| Net loans and leases to total assets | 81.2237% | 822 |
| Net loans and leases to deposits | 112.2402% | 231 |
| Net loans and leases to core deposits | 134.6160% | 257 |
| Total domestic deposits to total assets | 72.3660% | 5,151 |
| Equity capital to assets | 9.7553% | 3,867 |
| Core capital (leverage) ratio | 10.0378% | 3,537 |
| Tier 1 risk-based capital ratio | 12.9917% | 3,899 |
| Total risk-based capital ratio | 14.2436% | 3,819 |
| Memoranda: | ||
| Average total assets | $258,040,000 | 2,439 |
| Average earning assets | $234,791,330 | 2,475 |
| Average equity | $26,305,000 | 2,569 |
| Average total loans | $214,954,000 | 2,071 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2361% | 101 |
| Cost of funding earning assets | 0.9651% | 440 |
| Net interest margin | 5.2709% | 143 |
| Noninterest income to average assets | 0.9433% | 1,038 |
| Noninterest expense to average assets | 4.0978% | 467 |
| Loan and lease loss provision to assets | 0.2009% | 832 |
| Net operating income to assets | 1.4190% | 1,291 |
| Return on assets (ROA) | 1.4190% | 1,298 |
| Pretax return on assets | 1.4190% | 1,942 |
| Return on Equity (ROE) | 13.5945% | 1,109 |
| Retained earnings to average equity (ytd only) | -1.0315% | 4,914 |
| Net charge-offs to loans | -0.1437% | 5,307 |
| Credit loss provision to net charge-offs | -166.6667% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6695% | 2,235 |
| Assets per employee ($millions) | 3.2121% | 4,986 |
| Cash dividends to net income (ytd only)* | 107.5878% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,652 |
| Loan loss allowance to noncurrent loans | 261.2711% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 2,270 |
| Noncurrent loans to loans | 0.4694% | 3,123 |
| Net loans and leases to total assets | 83.4971% | 491 |
| Net loans and leases to deposits | 110.3761% | 244 |
| Net loans and leases to core deposits | 136.1375% | 253 |
| Total domestic deposits to total assets | 75.6479% | 5,005 |
| Equity capital to assets | 10.2236% | 3,366 |
| Core capital (leverage) ratio | 10.4796% | 2,969 |
| Tier 1 risk-based capital ratio | 13.2111% | 3,842 |
| Total risk-based capital ratio | 14.4619% | 3,735 |
| Memoranda: | ||
| Average total assets | $248,915,000 | 2,525 |
| Average earning assets | $225,463,000 | 2,566 |
| Average equity | $25,981,000 | 2,618 |
| Average total loans | $208,753,000 | 2,129 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2461% | 104 |
| Cost of funding earning assets | 0.8799% | 421 |
| Net interest margin | 5.3662% | 128 |
| Noninterest income to average assets | 1.1186% | 816 |
| Noninterest expense to average assets | 4.3043% | 376 |
| Loan and lease loss provision to assets | 0.0448% | 3,345 |
| Net operating income to assets | 1.5684% | 695 |
| Return on assets (ROA) | 1.5684% | 706 |
| Pretax return on assets | 1.5684% | 1,391 |
| Return on Equity (ROE) | 15.1763% | 585 |
| Retained earnings to average equity (ytd only) | 6.7306% | 1,183 |
| Net charge-offs to loans | 0.3325% | 762 |
| Credit loss provision to net charge-offs | 16.4204% | 3,632 |
| Earnings coverage of net charge-offs (x) | 5.9179% | 3,255 |
| Efficiency ratio | 72.7383% | 2,110 |
| Assets per employee ($millions) | 3.2543% | 4,984 |
| Cash dividends to net income (ytd only)* | 55.6507% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 2,800 |
| Loan loss allowance to noncurrent loans | 832.5342% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 2,517 |
| Noncurrent loans to loans | 0.1438% | 4,350 |
| Net loans and leases to total assets | 82.1738% | 656 |
| Net loans and leases to deposits | 106.9492% | 361 |
| Net loans and leases to core deposits | 130.6170% | 325 |
| Total domestic deposits to total assets | 76.8345% | 4,877 |
| Equity capital to assets | 10.6603% | 2,983 |
| Core capital (leverage) ratio | 10.9797% | 2,357 |
| Tier 1 risk-based capital ratio | 13.7083% | 3,515 |
| Total risk-based capital ratio | 14.9587% | 3,434 |
| Memoranda: | ||
| Average total assets | $223,406,200 | 2,697 |
| Average earning assets | $199,789,200 | 2,767 |
| Average equity | $23,088,600 | 2,854 |
| Average total loans | $183,158,400 | 2,290 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2219% | 103 |
| Cost of funding earning assets | 0.8550% | 444 |
| Net interest margin | 5.3669% | 130 |
| Noninterest income to average assets | 1.0563% | 915 |
| Noninterest expense to average assets | 4.3205% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5255% | 849 |
| Return on assets (ROA) | 1.5255% | 871 |
| Pretax return on assets | 1.5255% | 1,684 |
| Return on Equity (ROE) | 14.8920% | 665 |
| Retained earnings to average equity (ytd only) | 6.2443% | 2,090 |
| Net charge-offs to loans | 0.1998% | 1,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 9.3521% | 2,702 |
| Efficiency ratio | 73.9053% | 1,910 |
| Assets per employee ($millions) | 3.1258% | 5,155 |
| Cash dividends to net income (ytd only)* | 58.0698% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 1,965 |
| Loan loss allowance to noncurrent loans | 226.7176% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8085% | 2,127 |
| Noncurrent loans to loans | 0.6098% | 2,887 |
| Net loans and leases to total assets | 82.4285% | 613 |
| Net loans and leases to deposits | 108.0967% | 334 |
| Net loans and leases to core deposits | 124.1984% | 458 |
| Total domestic deposits to total assets | 76.2544% | 4,993 |
| Equity capital to assets | 10.1722% | 3,725 |
| Core capital (leverage) ratio | 10.6845% | 2,782 |
| Tier 1 risk-based capital ratio | 12.5658% | 4,277 |
| Total risk-based capital ratio | 13.8176% | 4,183 |
| Memoranda: | ||
| Average total assets | $218,239,250 | 2,766 |
| Average earning assets | $194,769,500 | 2,841 |
| Average equity | $22,356,000 | 2,935 |
| Average total loans | $178,199,000 | 2,356 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2156% | 100 |
| Cost of funding earning assets | 0.8569% | 392 |
| Net interest margin | 5.3587% | 130 |
| Noninterest income to average assets | 1.0454% | 936 |
| Noninterest expense to average assets | 4.3192% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4980% | 868 |
| Return on assets (ROA) | 1.4980% | 891 |
| Pretax return on assets | 1.4980% | 1,645 |
| Return on Equity (ROE) | 14.5868% | 724 |
| Retained earnings to average equity (ytd only) | 5.9367% | 2,158 |
| Net charge-offs to loans | 0.1629% | 1,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.3617% | 2,280 |
| Efficiency ratio | 74.2485% | 1,964 |
| Assets per employee ($millions) | 2.9682% | 5,304 |
| Cash dividends to net income (ytd only)* | 59.3009% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5549% | 1,382 |
| Loan loss allowance to noncurrent loans | 159.5781% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 1.2188% | 1,393 |
| Noncurrent loans to loans | 0.9744% | 2,015 |
| Net loans and leases to total assets | 81.7837% | 694 |
| Net loans and leases to deposits | 101.5135% | 634 |
| Net loans and leases to core deposits | 120.2363% | 551 |
| Total domestic deposits to total assets | 80.5644% | 4,295 |
| Equity capital to assets | 10.6766% | 3,148 |
| Core capital (leverage) ratio | 10.7621% | 2,634 |
| Tier 1 risk-based capital ratio | 12.8821% | 4,074 |
| Total risk-based capital ratio | 14.1355% | 3,984 |
| Memoranda: | ||
| Average total assets | $213,883,670 | 2,815 |
| Average earning assets | $190,457,330 | 2,909 |
| Average equity | $21,965,000 | 2,975 |
| Average total loans | $173,153,670 | 2,417 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0338% | 117 |
| Cost of funding earning assets | 0.8496% | 378 |
| Net interest margin | 5.1842% | 158 |
| Noninterest income to average assets | 1.0617% | 893 |
| Noninterest expense to average assets | 4.2751% | 394 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4043% | 995 |
| Return on assets (ROA) | 1.4043% | 1,024 |
| Pretax return on assets | 1.4043% | 1,881 |
| Return on Equity (ROE) | 13.9566% | 818 |
| Retained earnings to average equity (ytd only) | -3.8166% | 5,316 |
| Net charge-offs to loans | 0.0872% | 1,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 20.1622% | 1,497 |
| Efficiency ratio | 75.2735% | 2,023 |
| Assets per employee ($millions) | 3.2003% | 5,161 |
| Cash dividends to net income (ytd only)* | 127.3458% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7082% | 1,122 |
| Loan loss allowance to noncurrent loans | 220.2580% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 1,562 |
| Noncurrent loans to loans | 0.7756% | 2,528 |
| Net loans and leases to total assets | 75.6451% | 1,468 |
| Net loans and leases to deposits | 97.1354% | 837 |
| Net loans and leases to core deposits | 114.2414% | 660 |
| Total domestic deposits to total assets | 77.8759% | 4,979 |
| Equity capital to assets | 10.0893% | 3,648 |
| Core capital (leverage) ratio | 10.5327% | 2,867 |
| Tier 1 risk-based capital ratio | 12.7284% | 4,240 |
| Total risk-based capital ratio | 13.9830% | 4,141 |
| Memoranda: | ||
| Average total assets | $212,485,500 | 2,859 |
| Average earning assets | $189,266,500 | 2,941 |
| Average equity | $21,380,500 | 3,048 |
| Average total loans | $169,726,500 | 2,463 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3485% | 79 |
| Cost of funding earning assets | 0.7854% | 542 |
| Net interest margin | 5.5631% | 99 |
| Noninterest income to average assets | 1.2119% | 775 |
| Noninterest expense to average assets | 4.0838% | 538 |
| Loan and lease loss provision to assets | 0.2366% | 910 |
| Net operating income to assets | 1.8174% | 432 |
| Return on assets (ROA) | 1.8174% | 451 |
| Pretax return on assets | 1.8174% | 767 |
| Return on Equity (ROE) | 17.8337% | 338 |
| Retained earnings to average equity (ytd only) | 5.4667% | 2,033 |
| Net charge-offs to loans | 0.1170% | 2,088 |
| Credit loss provision to net charge-offs | 251.3661% | 1,151 |
| Earnings coverage of net charge-offs (x) | 21.8197% | 1,763 |
| Efficiency ratio | 66.5354% | 3,505 |
| Assets per employee ($millions) | 2.7966% | 5,489 |
| Cash dividends to net income (ytd only)* | 69.3462% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7344% | 1,071 |
| Loan loss allowance to noncurrent loans | 116.2515% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.7237% | 890 |
| Noncurrent loans to loans | 1.4919% | 1,348 |
| Net loans and leases to total assets | 81.5917% | 657 |
| Net loans and leases to deposits | 107.4908% | 290 |
| Net loans and leases to core deposits | 126.3929% | 339 |
| Total domestic deposits to total assets | 75.9058% | 5,248 |
| Equity capital to assets | 10.0327% | 3,691 |
| Core capital (leverage) ratio | 10.0435% | 3,435 |
| Tier 1 risk-based capital ratio | 12.4091% | 4,436 |
| Total risk-based capital ratio | 13.6656% | 4,318 |
| Memoranda: | ||
| Average total assets | $194,400,600 | 3,018 |
| Average earning assets | $172,134,000 | 3,088 |
| Average equity | $19,810,800 | 3,190 |
| Average total loans | $156,355,200 | 2,565 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3104% | 85 |
| Cost of funding earning assets | 0.7674% | 589 |
| Net interest margin | 5.5430% | 105 |
| Noninterest income to average assets | 1.2391% | 755 |
| Noninterest expense to average assets | 4.0576% | 545 |
| Loan and lease loss provision to assets | 0.2500% | 755 |
| Net operating income to assets | 1.8330% | 456 |
| Return on assets (ROA) | 1.8330% | 480 |
| Pretax return on assets | 1.8330% | 835 |
| Return on Equity (ROE) | 17.9126% | 365 |
| Retained earnings to average equity (ytd only) | 4.6767% | 3,037 |
| Net charge-offs to loans | 0.2387% | 979 |
| Credit loss provision to net charge-offs | 131.3869% | 1,963 |
| Earnings coverage of net charge-offs (x) | 10.9454% | 2,539 |
| Efficiency ratio | 66.0785% | 3,577 |
| Assets per employee ($millions) | 2.7926% | 5,554 |
| Cash dividends to net income (ytd only)* | 73.8917% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 1,266 |
| Loan loss allowance to noncurrent loans | 128.6517% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.3447% | 1,403 |
| Noncurrent loans to loans | 1.3041% | 1,707 |
| Net loans and leases to total assets | 77.9300% | 1,213 |
| Net loans and leases to deposits | 103.8758% | 466 |
| Net loans and leases to core deposits | 119.2199% | 531 |
| Total domestic deposits to total assets | 75.0223% | 5,336 |
| Equity capital to assets | 9.7321% | 4,437 |
| Core capital (leverage) ratio | 10.2165% | 3,314 |
| Tier 1 risk-based capital ratio | 12.3621% | 4,566 |
| Total risk-based capital ratio | 13.6175% | 4,462 |
| Memoranda: | ||
| Average total assets | $191,962,500 | 3,053 |
| Average earning assets | $169,747,000 | 3,128 |
| Average equity | $19,643,000 | 3,227 |
| Average total loans | $153,066,000 | 2,609 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2468% | 95 |
| Cost of funding earning assets | 0.7530% | 616 |
| Net interest margin | 5.4939% | 113 |
| Noninterest income to average assets | 1.3493% | 629 |
| Noninterest expense to average assets | 4.0745% | 548 |
| Loan and lease loss provision to assets | 0.2780% | 665 |
| Net operating income to assets | 1.8646% | 424 |
| Return on assets (ROA) | 1.8646% | 445 |
| Pretax return on assets | 1.8646% | 753 |
| Return on Equity (ROE) | 17.8994% | 363 |
| Retained earnings to average equity (ytd only) | 3.0174% | 3,994 |
| Net charge-offs to loans | 0.3826% | 596 |
| Credit loss provision to net charge-offs | 90.9091% | 2,226 |
| Earnings coverage of net charge-offs (x) | 7.0070% | 2,679 |
| Efficiency ratio | 65.5374% | 3,752 |
| Assets per employee ($millions) | 2.6465% | 5,709 |
| Cash dividends to net income (ytd only)* | 83.1422% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 1,289 |
| Loan loss allowance to noncurrent loans | 145.1293% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.2262% | 1,675 |
| Noncurrent loans to loans | 1.1654% | 1,968 |
| Net loans and leases to total assets | 79.3345% | 1,014 |
| Net loans and leases to deposits | 104.8602% | 419 |
| Net loans and leases to core deposits | 119.6009% | 525 |
| Total domestic deposits to total assets | 75.6574% | 5,330 |
| Equity capital to assets | 10.2098% | 3,964 |
| Core capital (leverage) ratio | 10.5042% | 2,970 |
| Tier 1 risk-based capital ratio | 12.6921% | 4,393 |
| Total risk-based capital ratio | 13.9475% | 4,294 |
| Memoranda: | ||
| Average total assets | $187,064,670 | 3,115 |
| Average earning assets | $165,747,670 | 3,201 |
| Average equity | $19,486,670 | 3,249 |
| Average total loans | $149,489,670 | 2,657 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3402% | 88 |
| Cost of funding earning assets | 0.7576% | 610 |
| Net interest margin | 5.5826% | 101 |
| Noninterest income to average assets | 1.6435% | 443 |
| Noninterest expense to average assets | 4.1544% | 522 |
| Loan and lease loss provision to assets | 0.5652% | 203 |
| Net operating income to assets | 1.8739% | 418 |
| Return on assets (ROA) | 1.8739% | 445 |
| Pretax return on assets | 1.8739% | 729 |
| Return on Equity (ROE) | 17.8030% | 374 |
| Retained earnings to average equity (ytd only) | -1.8175% | 5,371 |
| Net charge-offs to loans | 0.1231% | 1,372 |
| Credit loss provision to net charge-offs | 577.7778% | 541 |
| Earnings coverage of net charge-offs (x) | 24.9333% | 1,311 |
| Efficiency ratio | 63.0069% | 4,299 |
| Assets per employee ($millions) | 3.0076% | 5,497 |
| Cash dividends to net income (ytd only)* | 110.2088% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9666% | 865 |
| Loan loss allowance to noncurrent loans | 133.6739% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.6118% | 1,230 |
| Noncurrent loans to loans | 1.4712% | 1,600 |
| Net loans and leases to total assets | 75.7150% | 1,433 |
| Net loans and leases to deposits | 96.2671% | 922 |
| Net loans and leases to core deposits | 112.1496% | 740 |
| Total domestic deposits to total assets | 78.6509% | 5,043 |
| Equity capital to assets | 10.2001% | 3,840 |
| Core capital (leverage) ratio | 10.6613% | 2,784 |
| Tier 1 risk-based capital ratio | 13.7409% | 3,841 |
| Total risk-based capital ratio | 15.0002% | 3,774 |
| Memoranda: | ||
| Average total assets | $183,999,000 | 3,162 |
| Average earning assets | $163,150,000 | 3,240 |
| Average equity | $19,367,500 | 3,265 |
| Average total loans | $146,280,500 | 2,702 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4936% | 78 |
| Cost of funding earning assets | 0.7535% | 628 |
| Net interest margin | 5.7401% | 89 |
| Noninterest income to average assets | 1.1578% | 884 |
| Noninterest expense to average assets | 3.9034% | 756 |
| Loan and lease loss provision to assets | 0.2673% | 695 |
| Net operating income to assets | 2.1005% | 296 |
| Return on assets (ROA) | 2.1005% | 299 |
| Pretax return on assets | 2.1005% | 433 |
| Return on Equity (ROE) | 18.8548% | 321 |
| Retained earnings to average equity (ytd only) | 5.7908% | 1,900 |
| Net charge-offs to loans | 0.1458% | 1,905 |
| Credit loss provision to net charge-offs | 230.7692% | 1,236 |
| Earnings coverage of net charge-offs (x) | 20.4410% | 1,879 |
| Efficiency ratio | 62.2431% | 4,563 |
| Assets per employee ($millions) | 3.2458% | 5,235 |
| Cash dividends to net income (ytd only)* | 69.2873% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 1,098 |
| Loan loss allowance to noncurrent loans | 125.3176% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.5382% | 1,298 |
| Noncurrent loans to loans | 1.4533% | 1,609 |
| Net loans and leases to total assets | 80.4150% | 781 |
| Net loans and leases to deposits | 99.6190% | 703 |
| Net loans and leases to core deposits | 115.7206% | 608 |
| Total domestic deposits to total assets | 80.7225% | 4,564 |
| Equity capital to assets | 10.8717% | 2,966 |
| Core capital (leverage) ratio | 11.3549% | 2,083 |
| Tier 1 risk-based capital ratio | 13.1029% | 4,244 |
| Total risk-based capital ratio | 14.3591% | 4,158 |
| Memoranda: | ||
| Average total assets | $168,341,800 | 3,329 |
| Average earning assets | $149,963,800 | 3,404 |
| Average equity | $18,753,800 | 3,287 |
| Average total loans | $133,771,000 | 2,825 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4606% | 80 |
| Cost of funding earning assets | 0.7537% | 635 |
| Net interest margin | 5.7069% | 89 |
| Noninterest income to average assets | 1.1572% | 891 |
| Noninterest expense to average assets | 3.8415% | 804 |
| Loan and lease loss provision to assets | 0.2413% | 727 |
| Net operating income to assets | 2.1528% | 281 |
| Return on assets (ROA) | 2.1528% | 297 |
| Pretax return on assets | 2.1528% | 459 |
| Return on Equity (ROE) | 19.1995% | 324 |
| Retained earnings to average equity (ytd only) | 5.2141% | 2,768 |
| Net charge-offs to loans | 0.0714% | 2,541 |
| Credit loss provision to net charge-offs | 428.5714% | 718 |
| Earnings coverage of net charge-offs (x) | 42.5290% | 1,179 |
| Efficiency ratio | 61.6069% | 4,626 |
| Assets per employee ($millions) | 3.0694% | 5,465 |
| Cash dividends to net income (ytd only)* | 72.8430% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 1,053 |
| Loan loss allowance to noncurrent loans | 114.1558% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.6521% | 1,328 |
| Noncurrent loans to loans | 1.6725% | 1,459 |
| Net loans and leases to total assets | 80.2529% | 791 |
| Net loans and leases to deposits | 96.9501% | 914 |
| Net loans and leases to core deposits | 112.4447% | 734 |
| Total domestic deposits to total assets | 82.7776% | 3,888 |
| Equity capital to assets | 11.3029% | 2,694 |
| Core capital (leverage) ratio | 11.4205% | 2,106 |
| Tier 1 risk-based capital ratio | 14.6200% | 3,491 |
| Total risk-based capital ratio | 15.8790% | 3,415 |
| Memoranda: | ||
| Average total assets | $165,797,500 | 3,395 |
| Average earning assets | $147,536,250 | 3,473 |
| Average equity | $18,590,250 | 3,331 |
| Average total loans | $130,659,000 | 2,895 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4145% | 83 |
| Cost of funding earning assets | 0.7469% | 658 |
| Net interest margin | 5.6676% | 95 |
| Noninterest income to average assets | 1.1797% | 870 |
| Noninterest expense to average assets | 3.8388% | 828 |
| Loan and lease loss provision to assets | 0.2427% | 742 |
| Net operating income to assets | 2.1360% | 290 |
| Return on assets (ROA) | 2.1360% | 306 |
| Pretax return on assets | 2.1360% | 463 |
| Return on Equity (ROE) | 19.1027% | 322 |
| Retained earnings to average equity (ytd only) | 3.3647% | 3,899 |
| Net charge-offs to loans | 0.0952% | 2,067 |
| Credit loss provision to net charge-offs | 327.8689% | 876 |
| Earnings coverage of net charge-offs (x) | 32.1311% | 1,308 |
| Efficiency ratio | 61.7412% | 4,716 |
| Assets per employee ($millions) | 3.0415% | 5,547 |
| Cash dividends to net income (ytd only)* | 82.3864% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 1,166 |
| Loan loss allowance to noncurrent loans | 102.6199% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.8430% | 1,242 |
| Noncurrent loans to loans | 1.8504% | 1,370 |
| Net loans and leases to total assets | 78.6283% | 990 |
| Net loans and leases to deposits | 94.7609% | 1,073 |
| Net loans and leases to core deposits | 110.4708% | 811 |
| Total domestic deposits to total assets | 82.9755% | 3,969 |
| Equity capital to assets | 11.1560% | 2,713 |
| Core capital (leverage) ratio | 11.4634% | 2,020 |
| Tier 1 risk-based capital ratio | 15.3037% | 3,200 |
| Total risk-based capital ratio | 16.5640% | 3,133 |
| Memoranda: | ||
| Average total assets | $164,791,670 | 3,423 |
| Average earning assets | $146,481,330 | 3,512 |
| Average equity | $18,426,670 | 3,369 |
| Average total loans | $128,173,330 | 2,946 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3815% | 87 |
| Cost of funding earning assets | 0.7519% | 648 |
| Net interest margin | 5.6296% | 102 |
| Noninterest income to average assets | 1.1324% | 877 |
| Noninterest expense to average assets | 3.9328% | 738 |
| Loan and lease loss provision to assets | 0.0611% | 2,704 |
| Net operating income to assets | 2.1009% | 279 |
| Return on assets (ROA) | 2.1009% | 301 |
| Pretax return on assets | 2.1009% | 483 |
| Return on Equity (ROE) | 18.7667% | 332 |
| Retained earnings to average equity (ytd only) | -1.9881% | 5,688 |
| Net charge-offs to loans | -0.4504% | 6,222 |
| Credit loss provision to net charge-offs | -17.7305% | 4,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5265% | 4,392 |
| Assets per employee ($millions) | 2.8834% | 5,799 |
| Cash dividends to net income (ytd only)* | 110.5937% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0466% | 997 |
| Loan loss allowance to noncurrent loans | 158.3385% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.3830% | 1,914 |
| Noncurrent loans to loans | 1.2926% | 2,226 |
| Net loans and leases to total assets | 74.9288% | 1,366 |
| Net loans and leases to deposits | 87.2313% | 1,704 |
| Net loans and leases to core deposits | 101.4148% | 1,222 |
| Total domestic deposits to total assets | 85.8967% | 2,999 |
| Equity capital to assets | 11.1176% | 2,848 |
| Core capital (leverage) ratio | 11.1807% | 2,242 |
| Tier 1 risk-based capital ratio | 15.3763% | 3,209 |
| Total risk-based capital ratio | 16.6375% | 3,137 |
| Memoranda: | ||
| Average total assets | $163,546,500 | 3,458 |
| Average earning assets | $144,167,500 | 3,560 |
| Average equity | $18,309,000 | 3,405 |
| Average total loans | $125,221,500 | 2,994 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3284% | 105 |
| Cost of funding earning assets | 0.7809% | 715 |
| Net interest margin | 5.5476% | 124 |
| Noninterest income to average assets | 1.1473% | 920 |
| Noninterest expense to average assets | 3.6492% | 1,221 |
| Loan and lease loss provision to assets | 0.2654% | 830 |
| Net operating income to assets | 2.1222% | 262 |
| Return on assets (ROA) | 2.1222% | 266 |
| Pretax return on assets | 2.1222% | 391 |
| Return on Equity (ROE) | 19.0674% | 309 |
| Retained earnings to average equity (ytd only) | 6.4418% | 1,684 |
| Net charge-offs to loans | 0.2988% | 1,472 |
| Credit loss provision to net charge-offs | 121.0826% | 1,979 |
| Earnings coverage of net charge-offs (x) | 10.8917% | 2,571 |
| Efficiency ratio | 60.4490% | 5,156 |
| Assets per employee ($millions) | 3.2548% | 5,342 |
| Cash dividends to net income (ytd only)* | 66.2154% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 1,238 |
| Loan loss allowance to noncurrent loans | 159.8274% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 1.3666% | 2,043 |
| Noncurrent loans to loans | 1.2075% | 2,432 |
| Net loans and leases to total assets | 75.1599% | 1,391 |
| Net loans and leases to deposits | 87.5825% | 1,781 |
| Net loans and leases to core deposits | 103.0385% | 1,180 |
| Total domestic deposits to total assets | 85.8161% | 2,936 |
| Equity capital to assets | 11.2731% | 2,627 |
| Core capital (leverage) ratio | 11.2473% | 2,178 |
| Tier 1 risk-based capital ratio | 15.7024% | 3,124 |
| Total risk-based capital ratio | 16.9626% | 3,053 |
| Memoranda: | ||
| Average total assets | $160,117,800 | 3,489 |
| Average earning assets | $141,125,200 | 3,586 |
| Average equity | $17,821,000 | 3,419 |
| Average total loans | $117,476,600 | 3,090 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2701% | 116 |
| Cost of funding earning assets | 0.7821% | 755 |
| Net interest margin | 5.4880% | 137 |
| Noninterest income to average assets | 1.1296% | 949 |
| Noninterest expense to average assets | 3.4975% | 1,466 |
| Loan and lease loss provision to assets | 0.2090% | 1,111 |
| Net operating income to assets | 2.2634% | 203 |
| Return on assets (ROA) | 2.2634% | 209 |
| Pretax return on assets | 2.2634% | 319 |
| Return on Equity (ROE) | 20.4030% | 260 |
| Retained earnings to average equity (ytd only) | 7.2130% | 1,707 |
| Net charge-offs to loans | 0.2375% | 1,621 |
| Credit loss provision to net charge-offs | 121.3592% | 1,899 |
| Earnings coverage of net charge-offs (x) | 14.3544% | 2,149 |
| Efficiency ratio | 58.5854% | 5,367 |
| Assets per employee ($millions) | 3.1097% | 5,578 |
| Cash dividends to net income (ytd only)* | 64.6474% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9222% | 1,408 |
| Loan loss allowance to noncurrent loans | 154.0506% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.4545% | 2,124 |
| Noncurrent loans to loans | 1.2478% | 2,555 |
| Net loans and leases to total assets | 75.0034% | 1,364 |
| Net loans and leases to deposits | 87.6980% | 1,708 |
| Net loans and leases to core deposits | 103.2468% | 1,139 |
| Total domestic deposits to total assets | 85.5246% | 3,104 |
| Equity capital to assets | 11.2330% | 2,722 |
| Core capital (leverage) ratio | 11.2015% | 2,309 |
| Tier 1 risk-based capital ratio | 15.6184% | 3,251 |
| Total risk-based capital ratio | 16.8782% | 3,187 |
| Memoranda: | ||
| Average total assets | $159,462,000 | 3,524 |
| Average earning assets | $140,643,500 | 3,621 |
| Average equity | $17,689,750 | 3,453 |
| Average total loans | $115,665,000 | 3,137 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1621% | 124 |
| Cost of funding earning assets | 0.7799% | 790 |
| Net interest margin | 5.3822% | 156 |
| Noninterest income to average assets | 1.1265% | 927 |
| Noninterest expense to average assets | 3.3733% | 1,746 |
| Loan and lease loss provision to assets | 0.2205% | 1,054 |
| Net operating income to assets | 2.2720% | 198 |
| Return on assets (ROA) | 2.2720% | 210 |
| Pretax return on assets | 2.2720% | 316 |
| Return on Equity (ROE) | 20.5685% | 262 |
| Retained earnings to average equity (ytd only) | 10.8718% | 556 |
| Net charge-offs to loans | 0.2000% | 1,828 |
| Credit loss provision to net charge-offs | 154.8673% | 1,427 |
| Earnings coverage of net charge-offs (x) | 17.5044% | 1,730 |
| Efficiency ratio | 57.5081% | 5,612 |
| Assets per employee ($millions) | 3.4264% | 5,004 |
| Cash dividends to net income (ytd only)* | 47.1436% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0592% | 1,258 |
| Loan loss allowance to noncurrent loans | 171.1937% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 2,414 |
| Noncurrent loans to loans | 1.2028% | 2,827 |
| Net loans and leases to total assets | 70.7369% | 1,962 |
| Net loans and leases to deposits | 82.5781% | 2,185 |
| Net loans and leases to core deposits | 97.2477% | 1,499 |
| Total domestic deposits to total assets | 85.6606% | 3,211 |
| Equity capital to assets | 11.2780% | 2,632 |
| Core capital (leverage) ratio | 11.2451% | 2,208 |
| Tier 1 risk-based capital ratio | 16.3945% | 2,883 |
| Total risk-based capital ratio | 17.6556% | 2,831 |
| Memoranda: | ||
| Average total assets | $158,715,330 | 3,556 |
| Average earning assets | $139,757,330 | 3,655 |
| Average equity | $17,531,670 | 3,473 |
| Average total loans | $113,000,330 | 3,188 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0537% | 133 |
| Cost of funding earning assets | 0.7791% | 837 |
| Net interest margin | 5.2746% | 164 |
| Noninterest income to average assets | 1.0968% | 928 |
| Noninterest expense to average assets | 3.3132% | 1,918 |
| Loan and lease loss provision to assets | 0.1904% | 1,243 |
| Net operating income to assets | 2.2342% | 222 |
| Return on assets (ROA) | 2.2342% | 235 |
| Pretax return on assets | 2.2342% | 339 |
| Return on Equity (ROE) | 20.4455% | 265 |
| Retained earnings to average equity (ytd only) | 0.6970% | 5,314 |
| Net charge-offs to loans | 0.2515% | 1,320 |
| Credit loss provision to net charge-offs | 107.1429% | 1,563 |
| Earnings coverage of net charge-offs (x) | 13.6429% | 1,660 |
| Efficiency ratio | 57.7434% | 5,673 |
| Assets per employee ($millions) | 3.5747% | 4,781 |
| Cash dividends to net income (ytd only)* | 96.5909% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0834% | 1,360 |
| Loan loss allowance to noncurrent loans | 114.5517% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.7425% | 2,023 |
| Noncurrent loans to loans | 1.8188% | 2,111 |
| Net loans and leases to total assets | 68.3072% | 2,172 |
| Net loans and leases to deposits | 79.0989% | 2,419 |
| Net loans and leases to core deposits | 91.3901% | 1,788 |
| Total domestic deposits to total assets | 86.3567% | 3,180 |
| Equity capital to assets | 10.7116% | 3,028 |
| Core capital (leverage) ratio | 10.6836% | 2,722 |
| Tier 1 risk-based capital ratio | 16.0476% | 3,151 |
| Total risk-based capital ratio | 17.3091% | 3,095 |
| Memoranda: | ||
| Average total assets | $157,553,500 | 3,596 |
| Average earning assets | $138,625,500 | 3,691 |
| Average equity | $17,216,500 | 3,518 |
| Average total loans | $111,346,000 | 3,233 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3561% | 107 |
| Cost of funding earning assets | 0.8134% | 1,138 |
| Net interest margin | 5.5427% | 123 |
| Noninterest income to average assets | 1.1849% | 1,009 |
| Noninterest expense to average assets | 3.4868% | 1,685 |
| Loan and lease loss provision to assets | 0.5112% | 544 |
| Net operating income to assets | 2.0549% | 309 |
| Return on assets (ROA) | 2.0549% | 311 |
| Pretax return on assets | 2.0549% | 430 |
| Return on Equity (ROE) | 19.0716% | 332 |
| Retained earnings to average equity (ytd only) | 3.7483% | 3,551 |
| Net charge-offs to loans | 0.8711% | 705 |
| Credit loss provision to net charge-offs | 82.8189% | 2,959 |
| Earnings coverage of net charge-offs (x) | 4.1574% | 3,656 |
| Efficiency ratio | 57.6060% | 5,783 |
| Assets per employee ($millions) | 3.4276% | 5,027 |
| Cash dividends to net income (ytd only)* | 80.3461% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1118% | 1,315 |
| Loan loss allowance to noncurrent loans | 87.6738% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 2.0889% | 1,714 |
| Noncurrent loans to loans | 2.4087% | 1,588 |
| Net loans and leases to total assets | 70.1097% | 1,994 |
| Net loans and leases to deposits | 81.5868% | 2,238 |
| Net loans and leases to core deposits | 95.0865% | 1,525 |
| Total domestic deposits to total assets | 85.9327% | 3,295 |
| Equity capital to assets | 11.1525% | 2,470 |
| Core capital (leverage) ratio | 11.1226% | 2,266 |
| Tier 1 risk-based capital ratio | 16.3929% | 2,905 |
| Total risk-based capital ratio | 17.6552% | 2,857 |
| Memoranda: | ||
| Average total assets | $157,477,600 | 3,594 |
| Average earning assets | $138,307,400 | 3,691 |
| Average equity | $16,967,600 | 3,567 |
| Average total loans | $111,582,000 | 3,218 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3522% | 109 |
| Cost of funding earning assets | 0.8165% | 1,227 |
| Net interest margin | 5.5356% | 125 |
| Noninterest income to average assets | 1.1961% | 1,027 |
| Noninterest expense to average assets | 3.3003% | 2,081 |
| Loan and lease loss provision to assets | 0.4675% | 597 |
| Net operating income to assets | 2.2937% | 220 |
| Return on assets (ROA) | 2.2937% | 231 |
| Pretax return on assets | 2.2937% | 324 |
| Return on Equity (ROE) | 21.4713% | 228 |
| Retained earnings to average equity (ytd only) | 6.4895% | 2,142 |
| Net charge-offs to loans | 0.9822% | 589 |
| Credit loss provision to net charge-offs | 67.3544% | 3,119 |
| Earnings coverage of net charge-offs (x) | 3.9782% | 3,567 |
| Efficiency ratio | 54.4469% | 6,065 |
| Assets per employee ($millions) | 3.6473% | 4,565 |
| Cash dividends to net income (ytd only)* | 69.7759% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0077% | 1,699 |
| Loan loss allowance to noncurrent loans | 80.8041% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 2.0742% | 1,935 |
| Noncurrent loans to loans | 2.4847% | 1,746 |
| Net loans and leases to total assets | 69.4299% | 2,062 |
| Net loans and leases to deposits | 80.9385% | 2,271 |
| Net loans and leases to core deposits | 94.0742% | 1,569 |
| Total domestic deposits to total assets | 85.7811% | 3,364 |
| Equity capital to assets | 11.0952% | 2,671 |
| Core capital (leverage) ratio | 11.0576% | 2,422 |
| Tier 1 risk-based capital ratio | 16.5895% | 2,901 |
| Total risk-based capital ratio | 17.8503% | 2,857 |
| Memoranda: | ||
| Average total assets | $158,286,000 | 3,621 |
| Average earning assets | $139,119,750 | 3,711 |
| Average equity | $16,909,000 | 3,613 |
| Average total loans | $111,859,250 | 3,230 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2219% | 128 |
| Cost of funding earning assets | 0.8178% | 1,323 |
| Net interest margin | 5.4041% | 158 |
| Noninterest income to average assets | 1.1526% | 1,146 |
| Noninterest expense to average assets | 3.2197% | 2,300 |
| Loan and lease loss provision to assets | 0.4157% | 730 |
| Net operating income to assets | 2.2699% | 230 |
| Return on assets (ROA) | 2.2699% | 243 |
| Pretax return on assets | 2.2699% | 366 |
| Return on Equity (ROE) | 21.5228% | 222 |
| Retained earnings to average equity (ytd only) | 4.8014% | 3,184 |
| Net charge-offs to loans | 1.1311% | 526 |
| Credit loss provision to net charge-offs | 52.0505% | 3,175 |
| Earnings coverage of net charge-offs (x) | 3.3628% | 3,413 |
| Efficiency ratio | 54.5222% | 6,104 |
| Assets per employee ($millions) | 3.6350% | 4,542 |
| Cash dividends to net income (ytd only)* | 77.6915% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9485% | 1,969 |
| Loan loss allowance to noncurrent loans | 65.4638% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 2.4350% | 1,747 |
| Noncurrent loans to loans | 2.9764% | 1,498 |
| Net loans and leases to total assets | 70.6682% | 1,771 |
| Net loans and leases to deposits | 82.0352% | 2,058 |
| Net loans and leases to core deposits | 94.8504% | 1,451 |
| Total domestic deposits to total assets | 86.1438% | 3,289 |
| Equity capital to assets | 10.8653% | 2,879 |
| Core capital (leverage) ratio | 10.8269% | 2,529 |
| Tier 1 risk-based capital ratio | 15.9506% | 3,220 |
| Total risk-based capital ratio | 17.2108% | 3,157 |
| Memoranda: | ||
| Average total assets | $158,770,330 | 3,633 |
| Average earning assets | $139,635,000 | 3,728 |
| Average equity | $16,745,000 | 3,661 |
| Average total loans | $112,105,670 | 3,226 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1161% | 140 |
| Cost of funding earning assets | 0.8204% | 1,418 |
| Net interest margin | 5.2957% | 171 |
| Noninterest income to average assets | 1.0850% | 1,253 |
| Noninterest expense to average assets | 3.2299% | 2,268 |
| Loan and lease loss provision to assets | 0.2500% | 1,439 |
| Net operating income to assets | 2.2525% | 218 |
| Return on assets (ROA) | 2.2525% | 245 |
| Pretax return on assets | 2.2525% | 377 |
| Return on Equity (ROE) | 21.6769% | 214 |
| Retained earnings to average equity (ytd only) | -2.3818% | 6,122 |
| Net charge-offs to loans | 0.5079% | 1,186 |
| Credit loss provision to net charge-offs | 70.4225% | 2,287 |
| Earnings coverage of net charge-offs (x) | 7.0493% | 2,127 |
| Efficiency ratio | 56.3454% | 6,026 |
| Assets per employee ($millions) | 3.8717% | 4,207 |
| Cash dividends to net income (ytd only)* | 110.9878% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2035% | 1,578 |
| Loan loss allowance to noncurrent loans | 74.1478% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 2.6431% | 1,717 |
| Noncurrent loans to loans | 2.9718% | 1,693 |
| Net loans and leases to total assets | 67.0861% | 2,175 |
| Net loans and leases to deposits | 77.4039% | 2,432 |
| Net loans and leases to core deposits | 87.9439% | 1,913 |
| Total domestic deposits to total assets | 86.6701% | 3,146 |
| Equity capital to assets | 10.5460% | 3,495 |
| Core capital (leverage) ratio | 10.4962% | 2,780 |
| Tier 1 risk-based capital ratio | 15.5482% | 3,505 |
| Total risk-based capital ratio | 16.8107% | 3,457 |
| Memoranda: | ||
| Average total assets | $160,003,000 | 3,648 |
| Average earning assets | $140,416,000 | 3,763 |
| Average equity | $16,626,000 | 3,723 |
| Average total loans | $111,832,000 | 3,251 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7189% | 99 |
| Cost of funding earning assets | 0.9821% | 1,452 |
| Net interest margin | 5.7368% | 121 |
| Noninterest income to average assets | 1.1100% | 1,258 |
| Noninterest expense to average assets | 3.6016% | 1,605 |
| Loan and lease loss provision to assets | 0.6787% | 781 |
| Net operating income to assets | 1.9563% | 388 |
| Return on assets (ROA) | 1.9563% | 426 |
| Pretax return on assets | 1.9563% | 661 |
| Return on Equity (ROE) | 19.2486% | 340 |
| Retained earnings to average equity (ytd only) | 7.6054% | 1,276 |
| Net charge-offs to loans | 0.6585% | 1,787 |
| Credit loss provision to net charge-offs | 143.4302% | 1,904 |
| Earnings coverage of net charge-offs (x) | 5.5685% | 3,004 |
| Efficiency ratio | 57.7500% | 5,868 |
| Assets per employee ($millions) | 3.9349% | 4,070 |
| Cash dividends to net income (ytd only)* | 60.4885% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2298% | 1,504 |
| Loan loss allowance to noncurrent loans | 264.2706% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 1.3037% | 3,472 |
| Noncurrent loans to loans | 0.8438% | 4,501 |
| Net loans and leases to total assets | 69.6443% | 1,909 |
| Net loans and leases to deposits | 80.3118% | 2,239 |
| Net loans and leases to core deposits | 91.8688% | 1,643 |
| Total domestic deposits to total assets | 86.7174% | 2,982 |
| Equity capital to assets | 10.2310% | 3,853 |
| Core capital (leverage) ratio | 10.1751% | 3,168 |
| Tier 1 risk-based capital ratio | 14.7377% | 3,874 |
| Total risk-based capital ratio | 16.0003% | 3,819 |
| Memoranda: | ||
| Average total assets | $152,791,800 | 3,730 |
| Average earning assets | $136,539,200 | 3,782 |
| Average equity | $15,528,400 | 3,852 |
| Average total loans | $109,790,000 | 3,300 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7167% | 106 |
| Cost of funding earning assets | 1.0173% | 1,463 |
| Net interest margin | 5.6994% | 138 |
| Noninterest income to average assets | 1.1052% | 1,231 |
| Noninterest expense to average assets | 3.6682% | 1,417 |
| Loan and lease loss provision to assets | 0.5100% | 1,195 |
| Net operating income to assets | 2.0451% | 362 |
| Return on assets (ROA) | 2.0451% | 403 |
| Pretax return on assets | 2.0451% | 637 |
| Return on Equity (ROE) | 20.1580% | 324 |
| Retained earnings to average equity (ytd only) | 8.5190% | 1,403 |
| Net charge-offs to loans | 0.3211% | 2,840 |
| Credit loss provision to net charge-offs | 220.5323% | 1,259 |
| Earnings coverage of net charge-offs (x) | 11.0494% | 2,118 |
| Efficiency ratio | 58.9432% | 5,671 |
| Assets per employee ($millions) | 3.8716% | 4,146 |
| Cash dividends to net income (ytd only)* | 57.7385% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2438% | 1,620 |
| Loan loss allowance to noncurrent loans | 111.5865% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 2.1477% | 2,494 |
| Noncurrent loans to loans | 2.0108% | 2,835 |
| Net loans and leases to total assets | 70.4433% | 1,821 |
| Net loans and leases to deposits | 81.4472% | 2,190 |
| Net loans and leases to core deposits | 93.2084% | 1,662 |
| Total domestic deposits to total assets | 86.4895% | 2,992 |
| Equity capital to assets | 10.2605% | 4,122 |
| Core capital (leverage) ratio | 10.1973% | 3,285 |
| Tier 1 risk-based capital ratio | 14.8133% | 3,969 |
| Total risk-based capital ratio | 16.0768% | 3,920 |
| Memoranda: | ||
| Average total assets | $151,641,250 | 3,790 |
| Average earning assets | $136,173,750 | 3,826 |
| Average equity | $15,384,750 | 3,913 |
| Average total loans | $109,208,500 | 3,338 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6786% | 113 |
| Cost of funding earning assets | 1.0549% | 1,438 |
| Net interest margin | 5.6237% | 153 |
| Noninterest income to average assets | 1.1304% | 1,116 |
| Noninterest expense to average assets | 3.6595% | 1,450 |
| Loan and lease loss provision to assets | 0.5380% | 1,150 |
| Net operating income to assets | 2.0244% | 381 |
| Return on assets (ROA) | 2.0244% | 431 |
| Pretax return on assets | 2.0244% | 665 |
| Return on Equity (ROE) | 20.0311% | 357 |
| Retained earnings to average equity (ytd only) | 4.5609% | 3,568 |
| Net charge-offs to loans | 0.4335% | 2,305 |
| Credit loss provision to net charge-offs | 172.3404% | 1,634 |
| Earnings coverage of net charge-offs (x) | 8.2085% | 2,341 |
| Efficiency ratio | 58.8173% | 5,754 |
| Assets per employee ($millions) | 3.7236% | 4,474 |
| Cash dividends to net income (ytd only)* | 77.2310% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1232% | 1,941 |
| Loan loss allowance to noncurrent loans | 109.7345% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 2.0594% | 2,710 |
| Noncurrent loans to loans | 1.9349% | 3,017 |
| Net loans and leases to total assets | 71.1387% | 1,712 |
| Net loans and leases to deposits | 82.9332% | 1,990 |
| Net loans and leases to core deposits | 95.4166% | 1,482 |
| Total domestic deposits to total assets | 85.7783% | 3,472 |
| Equity capital to assets | 9.9955% | 4,343 |
| Core capital (leverage) ratio | 9.9320% | 3,511 |
| Tier 1 risk-based capital ratio | 14.6536% | 3,995 |
| Total risk-based capital ratio | 15.9167% | 3,948 |
| Memoranda: | ||
| Average total assets | $150,566,670 | 3,829 |
| Average earning assets | $136,316,670 | 3,839 |
| Average equity | $15,216,330 | 3,942 |
| Average total loans | $108,412,670 | 3,370 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5901% | 145 |
| Cost of funding earning assets | 1.0905% | 1,449 |
| Net interest margin | 5.4996% | 186 |
| Noninterest income to average assets | 1.1210% | 1,124 |
| Noninterest expense to average assets | 3.6170% | 1,529 |
| Loan and lease loss provision to assets | 0.5351% | 1,114 |
| Net operating income to assets | 1.9877% | 430 |
| Return on assets (ROA) | 1.9877% | 490 |
| Pretax return on assets | 1.9877% | 752 |
| Return on Equity (ROE) | 19.5597% | 407 |
| Retained earnings to average equity (ytd only) | 6.0548% | 2,921 |
| Net charge-offs to loans | 0.0672% | 3,816 |
| Credit loss provision to net charge-offs | 1,111.1111% | 314 |
| Earnings coverage of net charge-offs (x) | 52.3889% | 616 |
| Efficiency ratio | 58.9107% | 5,782 |
| Assets per employee ($millions) | 3.7567% | 4,524 |
| Cash dividends to net income (ytd only)* | 69.0444% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1993% | 1,884 |
| Loan loss allowance to noncurrent loans | 85.9216% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 2.4879% | 2,376 |
| Noncurrent loans to loans | 2.5596% | 2,546 |
| Net loans and leases to total assets | 68.3675% | 2,050 |
| Net loans and leases to deposits | 79.5232% | 2,270 |
| Net loans and leases to core deposits | 91.8498% | 1,666 |
| Total domestic deposits to total assets | 85.9718% | 3,544 |
| Equity capital to assets | 9.9270% | 4,223 |
| Core capital (leverage) ratio | 9.8640% | 3,549 |
| Tier 1 risk-based capital ratio | 14.4835% | 4,119 |
| Total risk-based capital ratio | 15.7456% | 4,072 |
| Memoranda: | ||
| Average total assets | $149,516,000 | 3,879 |
| Average earning assets | $136,447,500 | 3,875 |
| Average equity | $15,194,500 | 3,953 |
| Average total loans | $107,138,000 | 3,429 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9497% | 100 |
| Cost of funding earning assets | 1.3212% | 1,388 |
| Net interest margin | 5.6286% | 144 |
| Noninterest income to average assets | 1.4010% | 658 |
| Noninterest expense to average assets | 3.7848% | 1,375 |
| Loan and lease loss provision to assets | 0.7624% | 1,313 |
| Net operating income to assets | 1.5185% | 791 |
| Return on assets (ROA) | 1.5185% | 860 |
| Pretax return on assets | 1.9658% | 568 |
| Return on Equity (ROE) | 15.0020% | 744 |
| Retained earnings to average equity (ytd only) | 7.7724% | 1,164 |
| Net charge-offs to loans | 0.8585% | 2,021 |
| Credit loss provision to net charge-offs | 119.6507% | 2,669 |
| Earnings coverage of net charge-offs (x) | 4.2817% | 3,182 |
| Efficiency ratio | 58.1117% | 6,039 |
| Assets per employee ($millions) | 3.4525% | 5,131 |
| Cash dividends to net income (ytd only)* | 48.1906% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0496% | 2,131 |
| Loan loss allowance to noncurrent loans | 54.3532% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 3.1985% | 1,868 |
| Noncurrent loans to loans | 3.7709% | 1,664 |
| Net loans and leases to total assets | 72.0103% | 1,643 |
| Net loans and leases to deposits | 84.2409% | 1,894 |
| Net loans and leases to core deposits | 96.1705% | 1,478 |
| Total domestic deposits to total assets | 85.4814% | 3,608 |
| Equity capital to assets | 10.4126% | 3,638 |
| Core capital (leverage) ratio | 10.3483% | 2,915 |
| Tier 1 risk-based capital ratio | 15.5290% | 3,307 |
| Total risk-based capital ratio | 16.7915% | 3,252 |
| Memoranda: | ||
| Average total assets | $143,758,000 | 3,915 |
| Average earning assets | $130,566,000 | 3,919 |
| Average equity | $14,551,400 | 3,998 |
| Average total loans | $106,693,200 | 3,457 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0562% | 94 |
| Cost of funding earning assets | 1.3596% | 1,417 |
| Net interest margin | 5.6967% | 133 |
| Noninterest income to average assets | 1.3961% | 672 |
| Noninterest expense to average assets | 3.6872% | 1,519 |
| Loan and lease loss provision to assets | 0.7863% | 1,192 |
| Net operating income to assets | 1.4890% | 960 |
| Return on assets (ROA) | 1.4890% | 1,043 |
| Pretax return on assets | 2.0867% | 535 |
| Return on Equity (ROE) | 14.8181% | 863 |
| Retained earnings to average equity (ytd only) | 11.1182% | 612 |
| Net charge-offs to loans | 0.8184% | 1,931 |
| Credit loss provision to net charge-offs | 129.1603% | 2,463 |
| Earnings coverage of net charge-offs (x) | 4.7191% | 2,982 |
| Efficiency ratio | 56.2057% | 6,249 |
| Assets per employee ($millions) | 3.5292% | 4,926 |
| Cash dividends to net income (ytd only)* | 24.9687% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 2,188 |
| Loan loss allowance to noncurrent loans | 93.7287% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 2.0159% | 3,124 |
| Noncurrent loans to loans | 2.1933% | 3,121 |
| Net loans and leases to total assets | 72.3408% | 1,638 |
| Net loans and leases to deposits | 84.3521% | 1,942 |
| Net loans and leases to core deposits | 98.2191% | 1,408 |
| Total domestic deposits to total assets | 85.7606% | 3,349 |
| Equity capital to assets | 10.4743% | 3,735 |
| Core capital (leverage) ratio | 10.4180% | 2,975 |
| Tier 1 risk-based capital ratio | 15.5478% | 3,360 |
| Total risk-based capital ratio | 16.8099% | 3,314 |
| Memoranda: | ||
| Average total assets | $143,445,750 | 3,935 |
| Average earning assets | $130,038,000 | 3,955 |
| Average equity | $14,414,500 | 4,051 |
| Average total loans | $106,715,250 | 3,490 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1019% | 95 |
| Cost of funding earning assets | 1.3965% | 1,440 |
| Net interest margin | 5.7054% | 129 |
| Noninterest income to average assets | 1.3732% | 676 |
| Noninterest expense to average assets | 3.5867% | 1,770 |
| Loan and lease loss provision to assets | 0.8740% | 1,026 |
| Net operating income to assets | 1.4990% | 893 |
| Return on assets (ROA) | 1.4990% | 951 |
| Pretax return on assets | 2.0653% | 519 |
| Return on Equity (ROE) | 15.1334% | 782 |
| Retained earnings to average equity (ytd only) | 9.4866% | 965 |
| Net charge-offs to loans | 0.8400% | 1,821 |
| Credit loss provision to net charge-offs | 139.5089% | 2,183 |
| Earnings coverage of net charge-offs (x) | 4.6920% | 2,800 |
| Efficiency ratio | 54.9604% | 6,511 |
| Assets per employee ($millions) | 3.7847% | 4,243 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0215% | 2,308 |
| Loan loss allowance to noncurrent loans | 77.6316% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 2.3182% | 2,842 |
| Noncurrent loans to loans | 2.6040% | 2,773 |
| Net loans and leases to total assets | 73.5694% | 1,492 |
| Net loans and leases to deposits | 85.5164% | 1,858 |
| Net loans and leases to core deposits | 99.5737% | 1,380 |
| Total domestic deposits to total assets | 86.0296% | 3,308 |
| Equity capital to assets | 10.1475% | 3,954 |
| Core capital (leverage) ratio | 10.1107% | 3,132 |
| Tier 1 risk-based capital ratio | 15.2095% | 3,389 |
| Total risk-based capital ratio | 16.4715% | 3,352 |
| Memoranda: | ||
| Average total assets | $143,028,670 | 3,974 |
| Average earning assets | $129,177,000 | 4,007 |
| Average equity | $14,167,330 | 4,092 |
| Average total loans | $106,663,000 | 3,532 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0790% | 102 |
| Cost of funding earning assets | 1.4445% | 1,412 |
| Net interest margin | 5.6345% | 133 |
| Noninterest income to average assets | 1.3405% | 719 |
| Noninterest expense to average assets | 3.4129% | 2,240 |
| Loan and lease loss provision to assets | 0.9114% | 877 |
| Net operating income to assets | 1.5088% | 857 |
| Return on assets (ROA) | 1.5088% | 900 |
| Pretax return on assets | 2.0809% | 488 |
| Return on Equity (ROE) | 15.4221% | 754 |
| Retained earnings to average equity (ytd only) | 3.9559% | 3,800 |
| Net charge-offs to loans | 1.1849% | 1,174 |
| Credit loss provision to net charge-offs | 103.5032% | 2,562 |
| Earnings coverage of net charge-offs (x) | 3.3981% | 2,752 |
| Efficiency ratio | 53.2837% | 6,764 |
| Assets per employee ($millions) | 3.7453% | 4,441 |
| Cash dividends to net income (ytd only)* | 74.3494% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9092% | 2,663 |
| Loan loss allowance to noncurrent loans | 73.2922% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.2815% | 2,968 |
| Noncurrent loans to loans | 2.6050% | 2,894 |
| Net loans and leases to total assets | 72.8134% | 1,553 |
| Net loans and leases to deposits | 84.1020% | 2,011 |
| Net loans and leases to core deposits | 94.8045% | 1,791 |
| Total domestic deposits to total assets | 86.5774% | 3,192 |
| Equity capital to assets | 9.8588% | 3,960 |
| Core capital (leverage) ratio | 9.8398% | 3,344 |
| Tier 1 risk-based capital ratio | 14.6723% | 3,632 |
| Total risk-based capital ratio | 15.9329% | 3,579 |
| Memoranda: | ||
| Average total assets | $142,634,000 | 4,019 |
| Average earning assets | $128,211,000 | 4,062 |
| Average equity | $13,954,000 | 4,117 |
| Average total loans | $106,000,000 | 3,579 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3837% | 90 |
| Cost of funding earning assets | 1.6976% | 1,615 |
| Net interest margin | 5.6861% | 131 |
| Noninterest income to average assets | 1.4315% | 701 |
| Noninterest expense to average assets | 3.7284% | 1,635 |
| Loan and lease loss provision to assets | 0.7176% | 2,283 |
| Net operating income to assets | 1.4688% | 822 |
| Return on assets (ROA) | 1.4688% | 881 |
| Pretax return on assets | 2.1505% | 358 |
| Return on Equity (ROE) | 15.3478% | 668 |
| Retained earnings to average equity (ytd only) | 8.5999% | 816 |
| Net charge-offs to loans | 0.4483% | 3,821 |
| Credit loss provision to net charge-offs | 213.2196% | 1,429 |
| Earnings coverage of net charge-offs (x) | 8.5224% | 1,961 |
| Efficiency ratio | 56.5213% | 6,525 |
| Assets per employee ($millions) | 3.7618% | 4,339 |
| Cash dividends to net income (ytd only)* | 43.9668% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 2,604 |
| Loan loss allowance to noncurrent loans | 91.0123% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.9028% | 3,471 |
| Noncurrent loans to loans | 2.0714% | 3,461 |
| Net loans and leases to total assets | 72.9986% | 1,870 |
| Net loans and leases to deposits | 84.2402% | 2,414 |
| Net loans and leases to core deposits | 98.3608% | 1,761 |
| Total domestic deposits to total assets | 86.6553% | 3,003 |
| Equity capital to assets | 9.7077% | 4,117 |
| Core capital (leverage) ratio | 9.6983% | 3,431 |
| Tier 1 risk-based capital ratio | 14.4313% | 3,599 |
| Total risk-based capital ratio | 15.6921% | 3,545 |
| Memoranda: | ||
| Average total assets | $139,362,400 | 4,066 |
| Average earning assets | $126,589,000 | 4,091 |
| Average equity | $13,337,400 | 4,302 |
| Average total loans | $104,620,400 | 3,663 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4586% | 85 |
| Cost of funding earning assets | 1.7487% | 1,631 |
| Net interest margin | 5.7100% | 131 |
| Noninterest income to average assets | 1.4299% | 665 |
| Noninterest expense to average assets | 3.7775% | 1,413 |
| Loan and lease loss provision to assets | 0.7944% | 1,913 |
| Net operating income to assets | 1.4559% | 1,010 |
| Return on assets (ROA) | 1.4559% | 1,085 |
| Pretax return on assets | 2.0366% | 575 |
| Return on Equity (ROE) | 15.2695% | 819 |
| Retained earnings to average equity (ytd only) | 11.2299% | 572 |
| Net charge-offs to loans | 0.3545% | 3,886 |
| Credit loss provision to net charge-offs | 297.8339% | 1,073 |
| Earnings coverage of net charge-offs (x) | 10.6138% | 1,870 |
| Efficiency ratio | 57.1616% | 6,393 |
| Assets per employee ($millions) | 3.7680% | 4,345 |
| Cash dividends to net income (ytd only)* | 26.4550% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 2,574 |
| Loan loss allowance to noncurrent loans | 87.9948% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 2.0212% | 3,440 |
| Noncurrent loans to loans | 2.1248% | 3,546 |
| Net loans and leases to total assets | 74.1523% | 1,771 |
| Net loans and leases to deposits | 85.6202% | 2,423 |
| Net loans and leases to core deposits | 98.9986% | 1,939 |
| Total domestic deposits to total assets | 86.6061% | 2,751 |
| Equity capital to assets | 9.6882% | 4,563 |
| Core capital (leverage) ratio | 9.6598% | 3,674 |
| Tier 1 risk-based capital ratio | 14.1493% | 3,723 |
| Total risk-based capital ratio | 15.4090% | 3,687 |
| Memoranda: | ||
| Average total assets | $138,466,000 | 4,136 |
| Average earning assets | $125,578,750 | 4,169 |
| Average equity | $13,202,500 | 4,395 |
| Average total loans | $104,186,750 | 3,731 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3952% | 95 |
| Cost of funding earning assets | 1.8040% | 1,626 |
| Net interest margin | 5.5912% | 147 |
| Noninterest income to average assets | 1.4566% | 597 |
| Noninterest expense to average assets | 3.6963% | 1,562 |
| Loan and lease loss provision to assets | 0.7670% | 1,874 |
| Net operating income to assets | 1.4639% | 969 |
| Return on assets (ROA) | 1.4639% | 1,031 |
| Pretax return on assets | 2.0512% | 549 |
| Return on Equity (ROE) | 15.4399% | 774 |
| Retained earnings to average equity (ytd only) | 9.2763% | 1,024 |
| Net charge-offs to loans | 0.3753% | 3,486 |
| Credit loss provision to net charge-offs | 272.0207% | 1,384 |
| Earnings coverage of net charge-offs (x) | 9.9948% | 1,950 |
| Efficiency ratio | 56.7392% | 6,538 |
| Assets per employee ($millions) | 3.5762% | 4,742 |
| Cash dividends to net income (ytd only)* | 39.9202% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 3,013 |
| Loan loss allowance to noncurrent loans | 108.9210% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 1.6586% | 3,943 |
| Noncurrent loans to loans | 1.5760% | 4,346 |
| Net loans and leases to total assets | 76.1325% | 1,473 |
| Net loans and leases to deposits | 89.1283% | 1,984 |
| Net loans and leases to core deposits | 102.8184% | 1,753 |
| Total domestic deposits to total assets | 85.4190% | 3,407 |
| Equity capital to assets | 9.8281% | 4,233 |
| Core capital (leverage) ratio | 9.8022% | 3,398 |
| Tier 1 risk-based capital ratio | 13.9700% | 3,753 |
| Total risk-based capital ratio | 15.2277% | 3,705 |
| Memoranda: | ||
| Average total assets | $136,893,000 | 4,195 |
| Average earning assets | $123,837,330 | 4,235 |
| Average equity | $12,979,330 | 4,446 |
| Average total loans | $102,849,670 | 3,807 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2573% | 125 |
| Cost of funding earning assets | 1.8216% | 1,791 |
| Net interest margin | 5.4357% | 200 |
| Noninterest income to average assets | 1.4178% | 599 |
| Noninterest expense to average assets | 3.6247% | 1,683 |
| Loan and lease loss provision to assets | 0.6551% | 1,937 |
| Net operating income to assets | 1.4528% | 978 |
| Return on assets (ROA) | 1.4528% | 1,052 |
| Pretax return on assets | 2.0380% | 571 |
| Return on Equity (ROE) | 15.6047% | 784 |
| Retained earnings to average equity (ytd only) | 3.0959% | 4,280 |
| Net charge-offs to loans | 0.4841% | 2,610 |
| Credit loss provision to net charge-offs | 182.9268% | 2,001 |
| Earnings coverage of net charge-offs (x) | 7.5203% | 2,078 |
| Efficiency ratio | 57.3733% | 6,582 |
| Assets per employee ($millions) | 3.7673% | 4,390 |
| Cash dividends to net income (ytd only)* | 80.1603% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 3,597 |
| Loan loss allowance to noncurrent loans | 104.8505% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 4,384 |
| Noncurrent loans to loans | 1.4937% | 4,504 |
| Net loans and leases to total assets | 71.1536% | 2,663 |
| Net loans and leases to deposits | 82.5848% | 3,178 |
| Net loans and leases to core deposits | 96.5528% | 2,516 |
| Total domestic deposits to total assets | 86.1583% | 3,061 |
| Equity capital to assets | 9.2216% | 4,962 |
| Core capital (leverage) ratio | 9.1956% | 4,232 |
| Tier 1 risk-based capital ratio | 13.6889% | 3,873 |
| Total risk-based capital ratio | 14.9441% | 3,822 |
| Memoranda: | ||
| Average total assets | $137,391,500 | 4,241 |
| Average earning assets | $123,848,000 | 4,288 |
| Average equity | $12,791,000 | 4,524 |
| Average total loans | $101,640,500 | 3,898 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9480% | 85 |
| Cost of funding earning assets | 2.4391% | 1,189 |
| Net interest margin | 5.5089% | 185 |
| Noninterest income to average assets | 1.4681% | 665 |
| Noninterest expense to average assets | 3.6760% | 1,963 |
| Loan and lease loss provision to assets | 0.6101% | 3,359 |
| Net operating income to assets | 1.4348% | 795 |
| Return on assets (ROA) | 1.4605% | 794 |
| Pretax return on assets | 2.1586% | 304 |
| Return on Equity (ROE) | 16.2328% | 534 |
| Retained earnings to average equity (ytd only) | 13.2845% | 141 |
| Net charge-offs to loans | 0.9655% | 2,473 |
| Credit loss provision to net charge-offs | 81.3131% | 6,257 |
| Earnings coverage of net charge-offs (x) | 3.6394% | 3,263 |
| Efficiency ratio | 57.3761% | 6,851 |
| Assets per employee ($millions) | 3.3848% | 5,297 |
| Cash dividends to net income (ytd only)* | 18.1629% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 4,038 |
| Loan loss allowance to noncurrent loans | 75.7187% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.7320% | 3,774 |
| Noncurrent loans to loans | 1.9001% | 3,802 |
| Net loans and leases to total assets | 74.6324% | 2,111 |
| Net loans and leases to deposits | 86.5818% | 2,810 |
| Net loans and leases to core deposits | 143.9067% | 679 |
| Total domestic deposits to total assets | 86.1987% | 2,906 |
| Equity capital to assets | 9.4008% | 4,552 |
| Core capital (leverage) ratio | 9.3921% | 3,840 |
| Tier 1 risk-based capital ratio | 13.6227% | 3,742 |
| Total risk-based capital ratio | 14.8762% | 3,679 |
| Memoranda: | ||
| Average total assets | $131,937,600 | 4,302 |
| Average earning assets | $118,281,000 | 4,350 |
| Average equity | $11,871,000 | 4,780 |
| Average total loans | $102,537,600 | 3,880 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9756% | 82 |
| Cost of funding earning assets | 2.5748% | 1,094 |
| Net interest margin | 5.4009% | 213 |
| Noninterest income to average assets | 1.4617% | 698 |
| Noninterest expense to average assets | 3.6701% | 1,885 |
| Loan and lease loss provision to assets | 0.5137% | 3,332 |
| Net operating income to assets | 1.5126% | 788 |
| Return on assets (ROA) | 1.5126% | 847 |
| Pretax return on assets | 2.1300% | 416 |
| Return on Equity (ROE) | 17.0083% | 550 |
| Retained earnings to average equity (ytd only) | 13.0050% | 261 |
| Net charge-offs to loans | 0.7828% | 2,405 |
| Credit loss provision to net charge-offs | 83.8870% | 5,655 |
| Earnings coverage of net charge-offs (x) | 4.3173% | 3,180 |
| Efficiency ratio | 58.1279% | 6,704 |
| Assets per employee ($millions) | 3.2706% | 5,465 |
| Cash dividends to net income (ytd only)* | 23.5375% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 3,527 |
| Loan loss allowance to noncurrent loans | 82.7422% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.8636% | 3,565 |
| Noncurrent loans to loans | 1.7932% | 3,927 |
| Net loans and leases to total assets | 79.3264% | 1,319 |
| Net loans and leases to deposits | 92.6176% | 2,130 |
| Net loans and leases to core deposits | 152.6955% | 518 |
| Total domestic deposits to total assets | 85.6494% | 2,889 |
| Equity capital to assets | 9.4264% | 4,847 |
| Core capital (leverage) ratio | 9.3869% | 4,067 |
| Tier 1 risk-based capital ratio | 13.0912% | 4,128 |
| Total risk-based capital ratio | 14.3465% | 4,058 |
| Memoranda: | ||
| Average total assets | $131,073,750 | 4,355 |
| Average earning assets | $117,755,750 | 4,389 |
| Average equity | $11,656,750 | 4,880 |
| Average total loans | $102,541,500 | 3,923 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9249% | 99 |
| Cost of funding earning assets | 2.7283% | 970 |
| Net interest margin | 5.1967% | 299 |
| Noninterest income to average assets | 1.4639% | 690 |
| Noninterest expense to average assets | 3.6262% | 2,009 |
| Loan and lease loss provision to assets | 0.3888% | 3,583 |
| Net operating income to assets | 1.4929% | 849 |
| Return on assets (ROA) | 1.4929% | 909 |
| Pretax return on assets | 2.1135% | 420 |
| Return on Equity (ROE) | 17.1279% | 567 |
| Retained earnings to average equity (ytd only) | 11.0045% | 564 |
| Net charge-offs to loans | 0.9881% | 1,778 |
| Credit loss provision to net charge-offs | 50.7968% | 5,753 |
| Earnings coverage of net charge-offs (x) | 3.2689% | 3,508 |
| Efficiency ratio | 59.1689% | 6,667 |
| Assets per employee ($millions) | 3.4041% | 5,051 |
| Cash dividends to net income (ytd only)* | 35.7508% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 3,808 |
| Loan loss allowance to noncurrent loans | 94.4593% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.6830% | 3,665 |
| Noncurrent loans to loans | 1.4669% | 4,292 |
| Net loans and leases to total assets | 77.8507% | 1,783 |
| Net loans and leases to deposits | 90.9668% | 2,661 |
| Net loans and leases to core deposits | 147.1642% | 724 |
| Total domestic deposits to total assets | 85.5814% | 2,974 |
| Equity capital to assets | 9.1246% | 5,131 |
| Core capital (leverage) ratio | 9.0993% | 4,468 |
| Tier 1 risk-based capital ratio | 12.7690% | 4,305 |
| Total risk-based capital ratio | 14.0223% | 4,214 |
| Memoranda: | ||
| Average total assets | $131,157,000 | 4,374 |
| Average earning assets | $117,729,670 | 4,423 |
| Average equity | $11,431,670 | 4,967 |
| Average total loans | $101,608,330 | 3,974 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8355% | 111 |
| Cost of funding earning assets | 2.8182% | 935 |
| Net interest margin | 5.0172% | 385 |
| Noninterest income to average assets | 1.3085% | 834 |
| Noninterest expense to average assets | 3.5166% | 2,056 |
| Loan and lease loss provision to assets | 0.2272% | 4,173 |
| Net operating income to assets | 1.4781% | 976 |
| Return on assets (ROA) | 1.4781% | 1,054 |
| Pretax return on assets | 2.1051% | 536 |
| Return on Equity (ROE) | 17.3573% | 652 |
| Retained earnings to average equity (ytd only) | 4.9084% | 3,183 |
| Net charge-offs to loans | -0.1066% | 7,894 |
| Credit loss provision to net charge-offs | -277.7778% | 6,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1243% | 6,387 |
| Assets per employee ($millions) | 3.5303% | 4,751 |
| Cash dividends to net income (ytd only)* | 71.7213% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 1,967 |
| Loan loss allowance to noncurrent loans | 82.2212% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.8941% | 3,069 |
| Noncurrent loans to loans | 2.1349% | 3,072 |
| Net loans and leases to total assets | 73.5106% | 2,883 |
| Net loans and leases to deposits | 89.8248% | 2,957 |
| Net loans and leases to core deposits | 149.1628% | 736 |
| Total domestic deposits to total assets | 81.8378% | 4,619 |
| Equity capital to assets | 8.4322% | 6,181 |
| Core capital (leverage) ratio | 8.4076% | 5,708 |
| Tier 1 risk-based capital ratio | 12.4197% | 4,598 |
| Total risk-based capital ratio | 13.6787% | 4,517 |
| Memoranda: | ||
| Average total assets | $132,058,500 | 4,370 |
| Average earning assets | $119,508,000 | 4,397 |
| Average equity | $11,246,000 | 5,041 |
| Average total loans | $101,353,500 | 3,997 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4938% | 104 |
| Cost of funding earning assets | 3.4323% | 645 |
| Net interest margin | 5.0614% | 440 |
| Noninterest income to average assets | 1.4875% | 633 |
| Noninterest expense to average assets | 3.5851% | 2,192 |
| Loan and lease loss provision to assets | 0.5159% | 2,745 |
| Net operating income to assets | 1.3532% | 1,337 |
| Return on assets (ROA) | 1.3925% | 1,195 |
| Pretax return on assets | 2.0245% | 564 |
| Return on Equity (ROE) | 16.5240% | 698 |
| Retained earnings to average equity (ytd only) | 13.1498% | 156 |
| Net charge-offs to loans | 0.4248% | 2,695 |
| Credit loss provision to net charge-offs | 148.0186% | 3,562 |
| Earnings coverage of net charge-offs (x) | 7.1259% | 3,182 |
| Efficiency ratio | 59.0763% | 6,519 |
| Assets per employee ($millions) | 3.6101% | 4,391 |
| Cash dividends to net income (ytd only)* | 20.4201% | 4,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 2,149 |
| Loan loss allowance to noncurrent loans | 80.8573% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.8859% | 2,608 |
| Noncurrent loans to loans | 2.0063% | 2,752 |
| Net loans and leases to total assets | 77.4585% | 2,274 |
| Net loans and leases to deposits | 95.7239% | 2,484 |
| Net loans and leases to core deposits | 153.1973% | 743 |
| Total domestic deposits to total assets | 80.9187% | 4,678 |
| Equity capital to assets | 8.6023% | 5,933 |
| Core capital (leverage) ratio | 8.5721% | 5,443 |
| Tier 1 risk-based capital ratio | 12.1087% | 4,733 |
| Total risk-based capital ratio | 13.3656% | 4,612 |
| Memoranda: | ||
| Average total assets | $123,091,800 | 4,442 |
| Average earning assets | $111,411,000 | 4,485 |
| Average equity | $10,372,800 | 5,300 |
| Average total loans | $100,988,000 | 3,918 |