Home > Liberty Bank Minnesota > Performance and Condition Ratios
Liberty Bank Minnesota, 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 | 3.4137% | 4,430 |
| Cost of funding earning assets | 0.3866% | 4,304 |
| Net interest margin | 3.0272% | 3,225 |
| Noninterest income to average assets | 1.4500% | 401 |
| Noninterest expense to average assets | 3.0314% | 1,081 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1387% | 1,810 |
| Return on assets (ROA) | 1.1387% | 1,787 |
| Pretax return on assets | 1.1387% | 2,293 |
| Return on Equity (ROE) | 16.9900% | 950 |
| Retained earnings to average equity (ytd only) | 6.3743% | 2,103 |
| Net charge-offs to loans | -0.0460% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.5381% | 1,610 |
| Assets per employee ($millions) | 5.7447% | 3,028 |
| Cash dividends to net income (ytd only)* | 62.4764% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 3,130 |
| Loan loss allowance to noncurrent loans | 1,322.8571% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,364 |
| Noncurrent loans to loans | 0.0783% | 3,159 |
| Net loans and leases to total assets | 49.1600% | 3,645 |
| Net loans and leases to deposits | 54.9275% | 3,754 |
| Net loans and leases to core deposits | 55.4316% | 3,933 |
| Total domestic deposits to total assets | 89.5100% | 901 |
| Equity capital to assets | 7.7304% | 3,588 |
| Core capital (leverage) ratio | 14.1897% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4483% | 324 |
| Memoranda: | ||
| Average total assets | $279,439,400 | 2,530 |
| Average earning assets | $252,216,600 | 2,563 |
| Average equity | $18,731,400 | 2,961 |
| Average total loans | $125,977,600 | 2,889 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3517% | 4,434 |
| Cost of funding earning assets | 0.2822% | 4,381 |
| Net interest margin | 3.0695% | 3,203 |
| Noninterest income to average assets | 1.4500% | 407 |
| Noninterest expense to average assets | 2.9902% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2302% | 1,701 |
| Return on assets (ROA) | 1.2302% | 1,699 |
| Pretax return on assets | 1.2302% | 2,226 |
| Return on Equity (ROE) | 19.0500% | 815 |
| Retained earnings to average equity (ytd only) | 6.3015% | 2,536 |
| Net charge-offs to loans | 0.0215% | 1,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 801 |
| Efficiency ratio | 70.8520% | 1,696 |
| Assets per employee ($millions) | 5.7687% | 2,955 |
| Cash dividends to net income (ytd only)* | 66.9231% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 3,408 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 48.9100% | 3,690 |
| Net loans and leases to deposits | 52.8927% | 3,845 |
| Net loans and leases to core deposits | 53.2291% | 3,959 |
| Total domestic deposits to total assets | 92.4600% | 383 |
| Equity capital to assets | 5.9374% | 4,011 |
| Core capital (leverage) ratio | 13.7687% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2336% | 344 |
| Memoranda: | ||
| Average total assets | $281,799,500 | 2,517 |
| Average earning assets | $254,627,750 | 2,550 |
| Average equity | $18,196,250 | 2,988 |
| Average total loans | $123,939,500 | 2,914 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2915% | 4,466 |
| Cost of funding earning assets | 0.2121% | 4,420 |
| Net interest margin | 3.0794% | 3,269 |
| Noninterest income to average assets | 1.2800% | 406 |
| Noninterest expense to average assets | 2.9304% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1333% | 2,025 |
| Return on assets (ROA) | 1.1333% | 2,022 |
| Pretax return on assets | 1.1333% | 2,553 |
| Return on Equity (ROE) | 17.1200% | 1,083 |
| Retained earnings to average equity (ytd only) | 1.1008% | 3,893 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.1111% | 1,544 |
| Assets per employee ($millions) | 5.8182% | 2,867 |
| Cash dividends to net income (ytd only)* | 93.5683% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,151 |
| Loan loss allowance to noncurrent loans | 13,510.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,849 |
| Noncurrent loans to loans | 0.0078% | 3,744 |
| Net loans and leases to total assets | 46.2300% | 3,786 |
| Net loans and leases to deposits | 49.7826% | 3,925 |
| Net loans and leases to core deposits | 49.9453% | 4,022 |
| Total domestic deposits to total assets | 92.8600% | 273 |
| Equity capital to assets | 6.8062% | 3,884 |
| Core capital (leverage) ratio | 13.1784% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4419% | 336 |
| Memoranda: | ||
| Average total assets | $285,356,000 | 2,499 |
| Average earning assets | $258,361,333 | 2,535 |
| Average equity | $18,895,667 | 2,960 |
| Average total loans | $120,609,000 | 2,940 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1678% | 4,504 |
| Cost of funding earning assets | 0.1543% | 4,451 |
| Net interest margin | 3.0135% | 3,566 |
| Noninterest income to average assets | 1.1700% | 458 |
| Noninterest expense to average assets | 2.8492% | 1,339 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0559% | 2,362 |
| Return on assets (ROA) | 1.0559% | 2,333 |
| Pretax return on assets | 1.0559% | 2,844 |
| Return on Equity (ROE) | 16.1600% | 1,324 |
| Retained earnings to average equity (ytd only) | -8.6986% | 4,448 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.9606% | 1,441 |
| Assets per employee ($millions) | 6.0884% | 2,688 |
| Cash dividends to net income (ytd only)* | 153.8362% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 2,868 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 40.2000% | 4,032 |
| Net loans and leases to deposits | 43.3618% | 4,115 |
| Net loans and leases to core deposits | 43.4527% | 4,189 |
| Total domestic deposits to total assets | 92.7100% | 352 |
| Equity capital to assets | 6.9705% | 3,845 |
| Core capital (leverage) ratio | 12.7873% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3181% | 338 |
| Memoranda: | ||
| Average total assets | $291,305,500 | 2,510 |
| Average earning assets | $264,407,500 | 2,539 |
| Average equity | $19,037,500 | 2,971 |
| Average total loans | $117,030,000 | 3,013 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5977% | 4,462 |
| Cost of funding earning assets | 0.0932% | 4,419 |
| Net interest margin | 2.5046% | 4,288 |
| Noninterest income to average assets | 2.4400% | 206 |
| Noninterest expense to average assets | 2.8486% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8791% | 366 |
| Return on assets (ROA) | 1.8791% | 355 |
| Pretax return on assets | 1.8791% | 611 |
| Return on Equity (ROE) | 25.3200% | 199 |
| Retained earnings to average equity (ytd only) | 17.4942% | 152 |
| Net charge-offs to loans | 0.0144% | 1,842 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 348.1250% | 437 |
| Efficiency ratio | 60.2540% | 3,025 |
| Assets per employee ($millions) | 6.0493% | 2,720 |
| Cash dividends to net income (ytd only)* | 30.9156% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 2,522 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 39.2200% | 4,095 |
| Net loans and leases to deposits | 41.9008% | 4,182 |
| Net loans and leases to core deposits | 42.0374% | 4,229 |
| Total domestic deposits to total assets | 93.6000% | 289 |
| Equity capital to assets | 6.0971% | 4,056 |
| Core capital (leverage) ratio | 12.8401% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8824% | 307 |
| Memoranda: | ||
| Average total assets | $296,425,400 | 2,466 |
| Average earning assets | $270,507,400 | 2,489 |
| Average equity | $21,995,800 | 2,773 |
| Average total loans | $110,922,600 | 3,017 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4391% | 4,481 |
| Cost of funding earning assets | 0.0881% | 4,361 |
| Net interest margin | 2.3510% | 4,370 |
| Noninterest income to average assets | 2.7600% | 196 |
| Noninterest expense to average assets | 2.8148% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0966% | 248 |
| Return on assets (ROA) | 2.0966% | 246 |
| Pretax return on assets | 2.0966% | 384 |
| Return on Equity (ROE) | 27.0800% | 132 |
| Retained earnings to average equity (ytd only) | 17.8708% | 168 |
| Net charge-offs to loans | 0.0061% | 1,939 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 937.0000% | 165 |
| Efficiency ratio | 57.3121% | 3,468 |
| Assets per employee ($millions) | 6.0336% | 2,735 |
| Cash dividends to net income (ytd only)* | 34.0021% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,294 |
| Loan loss allowance to noncurrent loans | 994.1606% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 3,439 |
| Noncurrent loans to loans | 0.1251% | 3,017 |
| Net loans and leases to total assets | 36.5700% | 4,203 |
| Net loans and leases to deposits | 38.7235% | 4,282 |
| Net loans and leases to core deposits | 38.8464% | 4,317 |
| Total domestic deposits to total assets | 94.4400% | 300 |
| Equity capital to assets | 5.4974% | 4,132 |
| Core capital (leverage) ratio | 12.1971% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7069% | 322 |
| Memoranda: | ||
| Average total assets | $297,940,000 | 2,479 |
| Average earning assets | $272,385,750 | 2,500 |
| Average equity | $23,068,750 | 2,739 |
| Average total loans | $109,846,000 | 3,037 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2971% | 4,525 |
| Cost of funding earning assets | 0.0897% | 4,298 |
| Net interest margin | 2.2074% | 4,422 |
| Noninterest income to average assets | 2.9548% | 156 |
| Noninterest expense to average assets | 2.7813% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.1995% | 160 |
| Return on assets (ROA) | 2.1995% | 160 |
| Pretax return on assets | 2.1995% | 249 |
| Return on Equity (ROE) | 25.9267% | 96 |
| Retained earnings to average equity (ytd only) | 13.8355% | 377 |
| Net charge-offs to loans | 0.0127% | 1,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 469.2857% | 272 |
| Efficiency ratio | 55.8408% | 3,792 |
| Assets per employee ($millions) | 5.8351% | 2,888 |
| Cash dividends to net income (ytd only)* | 46.6362% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,438 |
| Loan loss allowance to noncurrent loans | 992.7007% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 3,518 |
| Noncurrent loans to loans | 0.1256% | 3,091 |
| Net loans and leases to total assets | 36.9110% | 4,209 |
| Net loans and leases to deposits | 39.6116% | 4,277 |
| Net loans and leases to core deposits | 39.7405% | 4,330 |
| Total domestic deposits to total assets | 93.1823% | 470 |
| Equity capital to assets | 6.7430% | 3,914 |
| Core capital (leverage) ratio | 11.7495% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4855% | 305 |
| Memoranda: | ||
| Average total assets | $298,704,333 | 2,488 |
| Average earning assets | $274,173,333 | 2,514 |
| Average equity | $25,340,667 | 2,659 |
| Average total loans | $109,965,667 | 3,064 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1603% | 4,547 |
| Cost of funding earning assets | 0.0935% | 4,219 |
| Net interest margin | 2.0668% | 4,471 |
| Noninterest income to average assets | 3.5648% | 138 |
| Noninterest expense to average assets | 2.7083% | 1,341 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.7586% | 93 |
| Return on assets (ROA) | 2.7586% | 90 |
| Pretax return on assets | 2.7586% | 125 |
| Return on Equity (ROE) | 29.5870% | 64 |
| Retained earnings to average equity (ytd only) | 8.7881% | 1,333 |
| Net charge-offs to loans | -0.0036% | 3,248 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5400% | 4,337 |
| Assets per employee ($millions) | 6.2605% | 2,589 |
| Cash dividends to net income (ytd only)* | 70.2975% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,650 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 36.2409% | 4,194 |
| Net loans and leases to deposits | 39.5609% | 4,266 |
| Net loans and leases to core deposits | 39.7511% | 4,320 |
| Total domestic deposits to total assets | 91.6078% | 747 |
| Equity capital to assets | 8.3153% | 3,314 |
| Core capital (leverage) ratio | 11.1298% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8675% | 336 |
| Memoranda: | ||
| Average total assets | $302,178,500 | 2,487 |
| Average earning assets | $278,104,500 | 2,510 |
| Average equity | $28,174,500 | 2,592 |
| Average total loans | $110,423,500 | 3,061 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0998% | 4,656 |
| Cost of funding earning assets | 0.1175% | 4,248 |
| Net interest margin | 1.9823% | 4,610 |
| Noninterest income to average assets | 3.2379% | 168 |
| Noninterest expense to average assets | 3.2958% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7700% | 543 |
| Return on assets (ROA) | 1.7635% | 578 |
| Pretax return on assets | 1.7635% | 992 |
| Return on Equity (ROE) | 16.5903% | 657 |
| Retained earnings to average equity (ytd only) | 2.4227% | 3,850 |
| Net charge-offs to loans | 0.0009% | 2,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 5,196.0000% | 20 |
| Efficiency ratio | 65.0595% | 2,392 |
| Assets per employee ($millions) | 6.2010% | 2,571 |
| Cash dividends to net income (ytd only)* | 85.3969% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 35.9406% | 4,287 |
| Net loans and leases to deposits | 40.1016% | 4,335 |
| Net loans and leases to core deposits | 40.3445% | 4,382 |
| Total domestic deposits to total assets | 89.6239% | 1,155 |
| Equity capital to assets | 10.3212% | 2,346 |
| Core capital (leverage) ratio | 11.1450% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8284% | 355 |
| Memoranda: | ||
| Average total assets | $293,558,400 | 2,459 |
| Average earning assets | $270,695,400 | 2,481 |
| Average equity | $31,205,000 | 2,459 |
| Average total loans | $113,719,800 | 3,013 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0756% | 4,749 |
| Cost of funding earning assets | 0.1217% | 4,338 |
| Net interest margin | 1.9539% | 4,699 |
| Noninterest income to average assets | 3.5969% | 161 |
| Noninterest expense to average assets | 3.3967% | 536 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0019% | 463 |
| Return on assets (ROA) | 2.0005% | 490 |
| Pretax return on assets | 2.0005% | 799 |
| Return on Equity (ROE) | 18.6780% | 550 |
| Retained earnings to average equity (ytd only) | -0.2353% | 4,589 |
| Net charge-offs to loans | 0.0012% | 2,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 4,369.0000% | 30 |
| Efficiency ratio | 62.9180% | 2,545 |
| Assets per employee ($millions) | 6.0300% | 2,665 |
| Cash dividends to net income (ytd only)* | 101.2597% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 3,275 |
| Loan loss allowance to noncurrent loans | 1,242.7273% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 3,910 |
| Noncurrent loans to loans | 0.0914% | 3,619 |
| Net loans and leases to total assets | 40.2773% | 4,196 |
| Net loans and leases to deposits | 45.0841% | 4,274 |
| Net loans and leases to core deposits | 45.3647% | 4,341 |
| Total domestic deposits to total assets | 89.3381% | 1,102 |
| Equity capital to assets | 10.5790% | 2,388 |
| Core capital (leverage) ratio | 10.9515% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0166% | 426 |
| Memoranda: | ||
| Average total assets | $290,985,250 | 2,492 |
| Average earning assets | $268,314,500 | 2,517 |
| Average equity | $31,166,000 | 2,489 |
| Average total loans | $114,506,500 | 3,046 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0035% | 4,804 |
| Cost of funding earning assets | 0.1266% | 4,378 |
| Net interest margin | 1.8769% | 4,764 |
| Noninterest income to average assets | 4.1514% | 133 |
| Noninterest expense to average assets | 3.5228% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.3600% | 264 |
| Return on assets (ROA) | 2.3579% | 282 |
| Pretax return on assets | 2.3579% | 439 |
| Return on Equity (ROE) | 21.9236% | 325 |
| Retained earnings to average equity (ytd only) | -4.3745% | 4,770 |
| Net charge-offs to loans | -0.0142% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8826% | 3,028 |
| Assets per employee ($millions) | 6.2845% | 2,350 |
| Cash dividends to net income (ytd only)* | 119.9531% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 3,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 39.6491% | 4,300 |
| Net loans and leases to deposits | 44.3421% | 4,371 |
| Net loans and leases to core deposits | 44.6170% | 4,442 |
| Total domestic deposits to total assets | 89.4164% | 1,071 |
| Equity capital to assets | 10.4790% | 2,413 |
| Core capital (leverage) ratio | 10.8211% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5008% | 455 |
| Memoranda: | ||
| Average total assets | $289,489,667 | 2,499 |
| Average earning assets | $267,030,667 | 2,521 |
| Average equity | $31,135,333 | 2,485 |
| Average total loans | $112,550,333 | 3,090 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9295% | 4,849 |
| Cost of funding earning assets | 0.1345% | 4,420 |
| Net interest margin | 1.7950% | 4,809 |
| Noninterest income to average assets | 4.5367% | 130 |
| Noninterest expense to average assets | 3.6810% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5141% | 263 |
| Return on assets (ROA) | 2.5141% | 287 |
| Pretax return on assets | 2.5141% | 428 |
| Return on Equity (ROE) | 23.0698% | 332 |
| Retained earnings to average equity (ytd only) | -25.7085% | 4,936 |
| Net charge-offs to loans | -0.0146% | 3,845 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4187% | 3,096 |
| Assets per employee ($millions) | 6.4357% | 2,222 |
| Cash dividends to net income (ytd only)* | 211.4381% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 2,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 36.1444% | 4,495 |
| Net loans and leases to deposits | 40.2528% | 4,555 |
| Net loans and leases to core deposits | 40.4996% | 4,606 |
| Total domestic deposits to total assets | 89.7936% | 916 |
| Equity capital to assets | 10.0561% | 2,659 |
| Core capital (leverage) ratio | 10.6214% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1376% | 444 |
| Memoranda: | ||
| Average total assets | $286,549,000 | 2,508 |
| Average earning assets | $264,730,000 | 2,523 |
| Average equity | $31,227,000 | 2,477 |
| Average total loans | $109,581,500 | 3,136 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8053% | 4,751 |
| Cost of funding earning assets | 0.2114% | 4,544 |
| Net interest margin | 2.5938% | 4,508 |
| Noninterest income to average assets | 4.4529% | 125 |
| Noninterest expense to average assets | 4.4313% | 267 |
| Loan and lease loss provision to assets | 0.0798% | 3,378 |
| Net operating income to assets | 2.3046% | 168 |
| Return on assets (ROA) | 2.3014% | 180 |
| Pretax return on assets | 2.3014% | 256 |
| Return on Equity (ROE) | 18.9801% | 279 |
| Retained earnings to average equity (ytd only) | 7.4559% | 1,210 |
| Net charge-offs to loans | 0.0290% | 2,452 |
| Credit loss provision to net charge-offs | 606.0606% | 1,096 |
| Earnings coverage of net charge-offs (x) | 181.1818% | 503 |
| Efficiency ratio | 65.0167% | 2,678 |
| Assets per employee ($millions) | 5.8949% | 2,439 |
| Cash dividends to net income (ytd only)* | 60.7174% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,774 |
| Loan loss allowance to noncurrent loans | 136,800.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,490 |
| Noncurrent loans to loans | 0.0009% | 4,418 |
| Net loans and leases to total assets | 39.4939% | 4,459 |
| Net loans and leases to deposits | 44.8177% | 4,500 |
| Net loans and leases to core deposits | 45.1628% | 4,566 |
| Total domestic deposits to total assets | 88.1213% | 1,418 |
| Equity capital to assets | 11.7968% | 1,681 |
| Core capital (leverage) ratio | 12.1881% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9814% | 351 |
| Memoranda: | ||
| Average total assets | $250,759,000 | 2,574 |
| Average earning assets | $228,425,800 | 2,611 |
| Average equity | $30,405,600 | 2,460 |
| Average total loans | $113,850,600 | 3,042 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9912% | 4,741 |
| Cost of funding earning assets | 0.2183% | 4,612 |
| Net interest margin | 2.7729% | 4,376 |
| Noninterest income to average assets | 3.7299% | 144 |
| Noninterest expense to average assets | 4.3856% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.8619% | 401 |
| Return on assets (ROA) | 1.8576% | 448 |
| Pretax return on assets | 1.8576% | 702 |
| Return on Equity (ROE) | 15.2027% | 663 |
| Retained earnings to average equity (ytd only) | 3.0924% | 3,485 |
| Net charge-offs to loans | 0.0384% | 2,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 103.3333% | 772 |
| Efficiency ratio | 70.1975% | 1,856 |
| Assets per employee ($millions) | 5.8433% | 2,402 |
| Cash dividends to net income (ytd only)* | 79.6590% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 3,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 44.2299% | 4,409 |
| Net loans and leases to deposits | 50.0779% | 4,484 |
| Net loans and leases to core deposits | 50.4729% | 4,567 |
| Total domestic deposits to total assets | 88.3222% | 1,051 |
| Equity capital to assets | 11.5364% | 1,978 |
| Core capital (leverage) ratio | 11.7403% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2578% | 438 |
| Memoranda: | ||
| Average total assets | $244,184,250 | 2,601 |
| Average earning assets | $221,712,750 | 2,642 |
| Average equity | $29,836,000 | 2,482 |
| Average total loans | $114,616,000 | 3,048 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2070% | 4,713 |
| Cost of funding earning assets | 0.2279% | 4,692 |
| Net interest margin | 2.9791% | 4,172 |
| Noninterest income to average assets | 2.1264% | 270 |
| Noninterest expense to average assets | 4.1258% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6933% | 3,409 |
| Return on assets (ROA) | 0.6933% | 3,514 |
| Pretax return on assets | 0.6933% | 3,883 |
| Return on Equity (ROE) | 5.5561% | 3,650 |
| Retained earnings to average equity (ytd only) | -6.2897% | 4,823 |
| Net charge-offs to loans | 0.0337% | 2,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 43.0526% | 1,195 |
| Efficiency ratio | 85.6138% | 558 |
| Assets per employee ($millions) | 5.0224% | 3,151 |
| Cash dividends to net income (ytd only)* | 213.2029% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 3,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 44.1657% | 4,445 |
| Net loans and leases to deposits | 50.0467% | 4,531 |
| Net loans and leases to core deposits | 50.4596% | 4,611 |
| Total domestic deposits to total assets | 88.2491% | 1,061 |
| Equity capital to assets | 11.5983% | 1,914 |
| Core capital (leverage) ratio | 11.8550% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8862% | 459 |
| Memoranda: | ||
| Average total assets | $235,981,333 | 2,632 |
| Average earning assets | $213,282,333 | 2,682 |
| Average equity | $29,445,000 | 2,497 |
| Average total loans | $112,803,333 | 3,058 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4551% | 4,680 |
| Cost of funding earning assets | 0.2373% | 4,804 |
| Net interest margin | 3.2178% | 3,814 |
| Noninterest income to average assets | -0.9544% | 5,100 |
| Noninterest expense to average assets | 3.6582% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -1.7317% | 5,035 |
| Return on assets (ROA) | -1.7317% | 5,022 |
| Pretax return on assets | -1.7317% | 5,008 |
| Return on Equity (ROE) | -13.3454% | 5,025 |
| Retained earnings to average equity (ytd only) | -31.6305% | 5,046 |
| Net charge-offs to loans | 0.0464% | 1,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -75.2308% | 2,566 |
| Efficiency ratio | 189.8897% | 29 |
| Assets per employee ($millions) | 4.7575% | 2,923 |
| Cash dividends to net income (ytd only)* | -137.0143% | 5,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 3,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 47.2645% | 4,374 |
| Net loans and leases to deposits | 53.9825% | 4,444 |
| Net loans and leases to core deposits | 54.4066% | 4,555 |
| Total domestic deposits to total assets | 87.5551% | 1,301 |
| Equity capital to assets | 12.3321% | 1,841 |
| Core capital (leverage) ratio | 12.3797% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4244% | 420 |
| Memoranda: | ||
| Average total assets | $225,901,000 | 2,665 |
| Average earning assets | $202,253,000 | 2,728 |
| Average equity | $29,313,500 | 2,496 |
| Average total loans | $112,050,500 | 3,056 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6036% | 4,772 |
| Cost of funding earning assets | 0.2211% | 4,915 |
| Net interest margin | 3.3825% | 3,791 |
| Noninterest income to average assets | 2.0379% | 251 |
| Noninterest expense to average assets | 3.7903% | 678 |
| Loan and lease loss provision to assets | 0.0235% | 3,551 |
| Net operating income to assets | 1.2460% | 1,882 |
| Return on assets (ROA) | 1.2519% | 1,948 |
| Pretax return on assets | 1.2519% | 2,660 |
| Return on Equity (ROE) | 9.5006% | 2,520 |
| Retained earnings to average equity (ytd only) | 4.8010% | 2,533 |
| Net charge-offs to loans | 0.0183% | 3,064 |
| Credit loss provision to net charge-offs | 255.0000% | 1,074 |
| Earnings coverage of net charge-offs (x) | 137.8500% | 532 |
| Efficiency ratio | 74.9113% | 1,498 |
| Assets per employee ($millions) | 4.4630% | 3,283 |
| Cash dividends to net income (ytd only)* | 49.4667% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 3,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 51.0005% | 4,283 |
| Net loans and leases to deposits | 59.1516% | 4,327 |
| Net loans and leases to core deposits | 59.6518% | 4,457 |
| Total domestic deposits to total assets | 86.2200% | 1,972 |
| Equity capital to assets | 13.6630% | 1,221 |
| Core capital (leverage) ratio | 12.5865% | 1,437 |
| Tier 1 risk-based capital ratio | 24.6717% | 774 |
| Total risk-based capital ratio | 25.7707% | 768 |
| Memoranda: | ||
| Average total assets | $217,183,600 | 2,687 |
| Average earning assets | $194,028,600 | 2,757 |
| Average equity | $28,619,200 | 2,466 |
| Average total loans | $109,107,400 | 3,105 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5771% | 4,901 |
| Cost of funding earning assets | 0.2133% | 5,011 |
| Net interest margin | 3.3639% | 3,951 |
| Noninterest income to average assets | 1.5257% | 394 |
| Noninterest expense to average assets | 3.6615% | 790 |
| Loan and lease loss provision to assets | 0.0191% | 3,528 |
| Net operating income to assets | 0.8523% | 3,510 |
| Return on assets (ROA) | 0.8603% | 3,559 |
| Pretax return on assets | 0.8603% | 3,977 |
| Return on Equity (ROE) | 6.5901% | 3,846 |
| Retained earnings to average equity (ytd only) | 2.3789% | 4,145 |
| Net charge-offs to loans | 0.0407% | 2,277 |
| Credit loss provision to net charge-offs | 93.9394% | 2,354 |
| Earnings coverage of net charge-offs (x) | 42.9384% | 1,305 |
| Efficiency ratio | 80.7760% | 856 |
| Assets per employee ($millions) | 4.3536% | 3,412 |
| Cash dividends to net income (ytd only)* | 63.9027% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 49.4237% | 4,457 |
| Net loans and leases to deposits | 56.9597% | 4,518 |
| Net loans and leases to core deposits | 57.4286% | 4,640 |
| Total domestic deposits to total assets | 86.7697% | 1,641 |
| Equity capital to assets | 13.1169% | 1,557 |
| Core capital (leverage) ratio | 12.2134% | 1,723 |
| Tier 1 risk-based capital ratio | 24.2814% | 823 |
| Total risk-based capital ratio | 25.3606% | 820 |
| Memoranda: | ||
| Average total assets | $216,808,000 | 2,709 |
| Average earning assets | $193,819,250 | 2,784 |
| Average equity | $28,304,250 | 2,500 |
| Average total loans | $108,201,250 | 3,149 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 4,952 |
| Cost of funding earning assets | 0.2062% | 5,060 |
| Net interest margin | 3.3725% | 3,981 |
| Noninterest income to average assets | 1.2564% | 550 |
| Noninterest expense to average assets | 3.4957% | 965 |
| Loan and lease loss provision to assets | 0.0288% | 3,242 |
| Net operating income to assets | 0.7440% | 3,857 |
| Return on assets (ROA) | 0.7458% | 3,911 |
| Pretax return on assets | 0.7458% | 4,225 |
| Return on Equity (ROE) | 5.7222% | 4,141 |
| Retained earnings to average equity (ytd only) | 1.9764% | 4,120 |
| Net charge-offs to loans | 0.0522% | 1,900 |
| Credit loss provision to net charge-offs | 110.7143% | 1,842 |
| Earnings coverage of net charge-offs (x) | 29.6786% | 1,474 |
| Efficiency ratio | 81.8954% | 808 |
| Assets per employee ($millions) | 4.2959% | 3,439 |
| Cash dividends to net income (ytd only)* | 65.4613% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 50.1997% | 4,457 |
| Net loans and leases to deposits | 58.0737% | 4,512 |
| Net loans and leases to core deposits | 58.5667% | 4,621 |
| Total domestic deposits to total assets | 86.4414% | 1,838 |
| Equity capital to assets | 13.3714% | 1,392 |
| Core capital (leverage) ratio | 12.1483% | 1,725 |
| Tier 1 risk-based capital ratio | 24.1586% | 832 |
| Total risk-based capital ratio | 25.2610% | 827 |
| Memoranda: | ||
| Average total assets | $215,065,670 | 2,734 |
| Average earning assets | $192,085,670 | 2,803 |
| Average equity | $28,031,000 | 2,510 |
| Average total loans | $107,299,670 | 3,177 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4850% | 5,056 |
| Cost of funding earning assets | 0.1937% | 5,129 |
| Net interest margin | 3.2913% | 4,179 |
| Noninterest income to average assets | 1.5056% | 387 |
| Noninterest expense to average assets | 3.3085% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1338% | 2,333 |
| Return on assets (ROA) | 1.1338% | 2,383 |
| Pretax return on assets | 1.1338% | 3,033 |
| Return on Equity (ROE) | 8.8131% | 2,888 |
| Retained earnings to average equity (ytd only) | 1.2281% | 4,270 |
| Net charge-offs to loans | 0.0564% | 1,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 1,145 |
| Efficiency ratio | 74.4770% | 1,684 |
| Assets per employee ($millions) | 4.3864% | 3,351 |
| Cash dividends to net income (ytd only)* | 86.0656% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 3,170 |
| Loan loss allowance to noncurrent loans | 11,550.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 4,861 |
| Noncurrent loans to loans | 0.0095% | 4,745 |
| Net loans and leases to total assets | 47.6183% | 4,598 |
| Net loans and leases to deposits | 54.6608% | 4,658 |
| Net loans and leases to core deposits | 54.9074% | 4,753 |
| Total domestic deposits to total assets | 87.1160% | 1,747 |
| Equity capital to assets | 12.7659% | 1,586 |
| Core capital (leverage) ratio | 11.9589% | 1,801 |
| Tier 1 risk-based capital ratio | 23.5601% | 879 |
| Total risk-based capital ratio | 24.6530% | 872 |
| Memoranda: | ||
| Average total assets | $215,201,500 | 2,764 |
| Average earning assets | $192,023,500 | 2,832 |
| Average equity | $27,686,000 | 2,540 |
| Average total loans | $106,450,000 | 3,219 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 5,057 |
| Cost of funding earning assets | 0.1790% | 5,080 |
| Net interest margin | 3.1542% | 4,569 |
| Noninterest income to average assets | 3.0265% | 152 |
| Noninterest expense to average assets | 3.6498% | 822 |
| Loan and lease loss provision to assets | -0.0447% | 5,188 |
| Net operating income to assets | 2.2550% | 231 |
| Return on assets (ROA) | 2.2550% | 222 |
| Pretax return on assets | 2.2550% | 320 |
| Return on Equity (ROE) | 18.6734% | 330 |
| Retained earnings to average equity (ytd only) | 14.2084% | 153 |
| Net charge-offs to loans | 0.0191% | 3,063 |
| Credit loss provision to net charge-offs | -475.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | 235.1000% | 398 |
| Efficiency ratio | 62.2814% | 3,470 |
| Assets per employee ($millions) | 4.1389% | 3,698 |
| Cash dividends to net income (ytd only)* | 23.9108% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 50.2828% | 4,499 |
| Net loans and leases to deposits | 57.8736% | 4,582 |
| Net loans and leases to core deposits | 57.9539% | 4,704 |
| Total domestic deposits to total assets | 86.8839% | 1,835 |
| Equity capital to assets | 12.9683% | 1,358 |
| Core capital (leverage) ratio | 12.1038% | 1,667 |
| Tier 1 risk-based capital ratio | 23.6020% | 857 |
| Total risk-based capital ratio | 24.7198% | 844 |
| Memoranda: | ||
| Average total assets | $212,723,600 | 2,749 |
| Average earning assets | $191,108,400 | 2,818 |
| Average equity | $25,689,000 | 2,591 |
| Average total loans | $104,922,600 | 3,215 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2700% | 5,147 |
| Cost of funding earning assets | 0.1756% | 5,115 |
| Net interest margin | 3.0944% | 4,716 |
| Noninterest income to average assets | 2.7043% | 186 |
| Noninterest expense to average assets | 3.6077% | 848 |
| Loan and lease loss provision to assets | -0.0594% | 5,307 |
| Net operating income to assets | 1.9443% | 440 |
| Return on assets (ROA) | 1.9443% | 439 |
| Pretax return on assets | 1.9443% | 741 |
| Return on Equity (ROE) | 16.4000% | 627 |
| Retained earnings to average equity (ytd only) | 10.3528% | 810 |
| Net charge-offs to loans | 0.0256% | 2,610 |
| Credit loss provision to net charge-offs | -475.0000% | 4,486 |
| Earnings coverage of net charge-offs (x) | 150.6273% | 543 |
| Efficiency ratio | 65.6834% | 2,924 |
| Assets per employee ($millions) | 4.1380% | 3,675 |
| Cash dividends to net income (ytd only)* | 36.8725% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 3,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 48.9502% | 4,668 |
| Net loans and leases to deposits | 55.7913% | 4,758 |
| Net loans and leases to core deposits | 55.8662% | 4,848 |
| Total domestic deposits to total assets | 87.7379% | 1,367 |
| Equity capital to assets | 12.1110% | 1,832 |
| Core capital (leverage) ratio | 11.4334% | 2,223 |
| Tier 1 risk-based capital ratio | 22.8382% | 955 |
| Total risk-based capital ratio | 23.9535% | 946 |
| Memoranda: | ||
| Average total assets | $213,133,500 | 2,768 |
| Average earning assets | $192,043,750 | 2,822 |
| Average equity | $25,267,750 | 2,636 |
| Average total loans | $104,326,000 | 3,252 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2067% | 5,218 |
| Cost of funding earning assets | 0.1751% | 5,128 |
| Net interest margin | 3.0316% | 4,834 |
| Noninterest income to average assets | 2.6547% | 194 |
| Noninterest expense to average assets | 3.5424% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8508% | 522 |
| Return on assets (ROA) | 1.8508% | 524 |
| Pretax return on assets | 1.8508% | 875 |
| Return on Equity (ROE) | 15.7257% | 724 |
| Retained earnings to average equity (ytd only) | 7.4149% | 1,881 |
| Net charge-offs to loans | 0.0927% | 1,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 40.9583% | 1,270 |
| Efficiency ratio | 65.6834% | 3,036 |
| Assets per employee ($millions) | 3.9033% | 4,050 |
| Cash dividends to net income (ytd only)* | 52.8484% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 2,815 |
| Loan loss allowance to noncurrent loans | 2,378.8462% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 4,635 |
| Noncurrent loans to loans | 0.0498% | 4,691 |
| Net loans and leases to total assets | 48.9838% | 4,661 |
| Net loans and leases to deposits | 55.7537% | 4,764 |
| Net loans and leases to core deposits | 55.7537% | 4,876 |
| Total domestic deposits to total assets | 87.8574% | 1,448 |
| Equity capital to assets | 11.9884% | 1,864 |
| Core capital (leverage) ratio | 11.1257% | 2,415 |
| Tier 1 risk-based capital ratio | 22.3968% | 996 |
| Total risk-based capital ratio | 23.6036% | 980 |
| Memoranda: | ||
| Average total assets | $212,452,670 | 2,788 |
| Average earning assets | $191,910,330 | 2,834 |
| Average equity | $25,003,670 | 2,665 |
| Average total loans | $103,601,670 | 3,272 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1388% | 5,286 |
| Cost of funding earning assets | 0.1715% | 5,154 |
| Net interest margin | 2.9673% | 4,921 |
| Noninterest income to average assets | 2.2880% | 225 |
| Noninterest expense to average assets | 3.4413% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5397% | 981 |
| Return on assets (ROA) | 1.5397% | 988 |
| Pretax return on assets | 1.5397% | 1,568 |
| Return on Equity (ROE) | 13.2041% | 1,206 |
| Retained earnings to average equity (ytd only) | 3.0879% | 3,972 |
| Net charge-offs to loans | 0.1978% | 743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 16.0980% | 1,639 |
| Efficiency ratio | 69.0889% | 2,650 |
| Assets per employee ($millions) | 4.0857% | 3,828 |
| Cash dividends to net income (ytd only)* | 76.6139% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 2,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 4,854 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 45.7999% | 4,802 |
| Net loans and leases to deposits | 51.7607% | 4,888 |
| Net loans and leases to core deposits | 51.7607% | 4,989 |
| Total domestic deposits to total assets | 88.4839% | 1,361 |
| Equity capital to assets | 11.4044% | 2,213 |
| Core capital (leverage) ratio | 10.9503% | 2,491 |
| Tier 1 risk-based capital ratio | 22.6531% | 974 |
| Total risk-based capital ratio | 23.8982% | 957 |
| Memoranda: | ||
| Average total assets | $213,290,000 | 2,808 |
| Average earning assets | $193,576,000 | 2,846 |
| Average equity | $24,871,000 | 2,697 |
| Average total loans | $103,160,500 | 3,304 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2106% | 5,177 |
| Cost of funding earning assets | 0.1805% | 5,087 |
| Net interest margin | 3.0300% | 4,823 |
| Noninterest income to average assets | 3.1036% | 169 |
| Noninterest expense to average assets | 3.7703% | 723 |
| Loan and lease loss provision to assets | 0.0120% | 4,048 |
| Net operating income to assets | 2.0626% | 248 |
| Return on assets (ROA) | 2.0626% | 256 |
| Pretax return on assets | 2.0626% | 424 |
| Return on Equity (ROE) | 17.9409% | 312 |
| Retained earnings to average equity (ytd only) | 8.1497% | 712 |
| Net charge-offs to loans | 0.0711% | 2,433 |
| Credit loss provision to net charge-offs | 32.0513% | 3,518 |
| Earnings coverage of net charge-offs (x) | 55.5256% | 1,010 |
| Efficiency ratio | 64.5058% | 3,531 |
| Assets per employee ($millions) | 3.9630% | 4,026 |
| Cash dividends to net income (ytd only)* | 54.5750% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,696 |
| Loan loss allowance to noncurrent loans | 813.2911% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 4,744 |
| Noncurrent loans to loans | 0.1492% | 4,328 |
| Net loans and leases to total assets | 49.8129% | 4,655 |
| Net loans and leases to deposits | 56.5998% | 4,764 |
| Net loans and leases to core deposits | 56.5998% | 4,907 |
| Total domestic deposits to total assets | 88.0090% | 1,494 |
| Equity capital to assets | 11.9249% | 1,889 |
| Core capital (leverage) ratio | 10.9800% | 2,356 |
| Tier 1 risk-based capital ratio | 22.4939% | 966 |
| Total risk-based capital ratio | 23.7885% | 940 |
| Memoranda: | ||
| Average total assets | $208,760,600 | 2,836 |
| Average earning assets | $188,877,000 | 2,879 |
| Average equity | $24,001,000 | 2,757 |
| Average total loans | $109,713,200 | 3,188 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1999% | 5,232 |
| Cost of funding earning assets | 0.1812% | 5,131 |
| Net interest margin | 3.0187% | 4,879 |
| Noninterest income to average assets | 3.3000% | 170 |
| Noninterest expense to average assets | 3.8117% | 661 |
| Loan and lease loss provision to assets | 0.0160% | 3,822 |
| Net operating income to assets | 2.2004% | 214 |
| Return on assets (ROA) | 2.2004% | 219 |
| Pretax return on assets | 2.2004% | 363 |
| Return on Equity (ROE) | 19.3203% | 256 |
| Retained earnings to average equity (ytd only) | 6.1219% | 2,155 |
| Net charge-offs to loans | 0.0530% | 2,385 |
| Credit loss provision to net charge-offs | 56.8182% | 2,841 |
| Earnings coverage of net charge-offs (x) | 78.7435% | 820 |
| Efficiency ratio | 63.2322% | 3,675 |
| Assets per employee ($millions) | 3.8073% | 4,302 |
| Cash dividends to net income (ytd only)* | 68.3141% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,891 |
| Loan loss allowance to noncurrent loans | 1,243.3962% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 4,979 |
| Noncurrent loans to loans | 0.0971% | 4,677 |
| Net loans and leases to total assets | 51.4792% | 4,612 |
| Net loans and leases to deposits | 58.4136% | 4,731 |
| Net loans and leases to core deposits | 58.4136% | 4,897 |
| Total domestic deposits to total assets | 88.1289% | 1,297 |
| Equity capital to assets | 11.6992% | 2,189 |
| Core capital (leverage) ratio | 10.4001% | 3,085 |
| Tier 1 risk-based capital ratio | 21.6311% | 1,098 |
| Total risk-based capital ratio | 22.9262% | 1,068 |
| Memoranda: | ||
| Average total assets | $208,440,750 | 2,857 |
| Average earning assets | $188,375,500 | 2,911 |
| Average equity | $23,739,500 | 2,807 |
| Average total loans | $110,663,500 | 3,194 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1853% | 5,257 |
| Cost of funding earning assets | 0.1809% | 5,135 |
| Net interest margin | 3.0044% | 4,905 |
| Noninterest income to average assets | 3.3942% | 165 |
| Noninterest expense to average assets | 3.7978% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.3102% | 172 |
| Return on assets (ROA) | 2.3102% | 171 |
| Pretax return on assets | 2.3102% | 291 |
| Return on Equity (ROE) | 20.4712% | 199 |
| Retained earnings to average equity (ytd only) | 4.5984% | 2,977 |
| Net charge-offs to loans | 0.0378% | 2,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 114.4762% | 597 |
| Efficiency ratio | 62.1775% | 3,961 |
| Assets per employee ($millions) | 3.9759% | 3,993 |
| Cash dividends to net income (ytd only)* | 77.5374% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 3,094 |
| Loan loss allowance to noncurrent loans | 443.4343% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 4,617 |
| Noncurrent loans to loans | 0.2680% | 4,081 |
| Net loans and leases to total assets | 51.9651% | 4,574 |
| Net loans and leases to deposits | 58.7404% | 4,718 |
| Net loans and leases to core deposits | 58.7404% | 4,887 |
| Total domestic deposits to total assets | 88.4658% | 1,221 |
| Equity capital to assets | 11.3980% | 2,412 |
| Core capital (leverage) ratio | 10.3129% | 3,126 |
| Tier 1 risk-based capital ratio | 20.8379% | 1,219 |
| Total risk-based capital ratio | 22.1326% | 1,178 |
| Memoranda: | ||
| Average total assets | $208,121,330 | 2,874 |
| Average earning assets | $187,990,000 | 2,933 |
| Average equity | $23,486,670 | 2,834 |
| Average total loans | $111,179,670 | 3,205 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1995% | 5,248 |
| Cost of funding earning assets | 0.1794% | 5,157 |
| Net interest margin | 3.0201% | 4,852 |
| Noninterest income to average assets | 3.6573% | 163 |
| Noninterest expense to average assets | 3.8004% | 682 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.5916% | 121 |
| Return on assets (ROA) | 2.5916% | 126 |
| Pretax return on assets | 2.5916% | 192 |
| Return on Equity (ROE) | 23.0826% | 119 |
| Retained earnings to average equity (ytd only) | 3.7897% | 3,553 |
| Net charge-offs to loans | 0.0754% | 1,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 63.8095% | 772 |
| Efficiency ratio | 59.4554% | 4,536 |
| Assets per employee ($millions) | 3.9938% | 4,022 |
| Cash dividends to net income (ytd only)* | 83.5821% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 3,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 50.5447% | 4,627 |
| Net loans and leases to deposits | 56.9018% | 4,763 |
| Net loans and leases to core deposits | 56.9018% | 4,928 |
| Total domestic deposits to total assets | 88.8280% | 1,237 |
| Equity capital to assets | 11.0667% | 2,563 |
| Core capital (leverage) ratio | 10.2453% | 3,203 |
| Tier 1 risk-based capital ratio | 20.8666% | 1,235 |
| Total risk-based capital ratio | 22.1611% | 1,206 |
| Memoranda: | ||
| Average total assets | $206,821,000 | 2,919 |
| Average earning assets | $187,276,500 | 2,969 |
| Average equity | $23,221,000 | 2,865 |
| Average total loans | $111,360,000 | 3,228 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3122% | 5,140 |
| Cost of funding earning assets | 0.1895% | 5,110 |
| Net interest margin | 3.1227% | 4,662 |
| Noninterest income to average assets | 3.3405% | 173 |
| Noninterest expense to average assets | 3.9556% | 641 |
| Loan and lease loss provision to assets | -0.0726% | 5,635 |
| Net operating income to assets | 2.2531% | 211 |
| Return on assets (ROA) | 2.2546% | 220 |
| Pretax return on assets | 2.2546% | 296 |
| Return on Equity (ROE) | 19.4884% | 235 |
| Retained earnings to average equity (ytd only) | 9.8518% | 430 |
| Net charge-offs to loans | 0.0810% | 2,531 |
| Credit loss provision to net charge-offs | -164.3678% | 4,968 |
| Earnings coverage of net charge-offs (x) | 49.3448% | 1,014 |
| Efficiency ratio | 64.4649% | 3,857 |
| Assets per employee ($millions) | 3.9602% | 4,046 |
| Cash dividends to net income (ytd only)* | 49.4481% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 3,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 55.9865% | 4,265 |
| Net loans and leases to deposits | 63.2391% | 4,459 |
| Net loans and leases to core deposits | 63.2391% | 4,675 |
| Total domestic deposits to total assets | 88.5315% | 1,366 |
| Equity capital to assets | 11.3962% | 2,246 |
| Core capital (leverage) ratio | 11.0417% | 2,305 |
| Tier 1 risk-based capital ratio | 21.6073% | 1,128 |
| Total risk-based capital ratio | 22.8868% | 1,107 |
| Memoranda: | ||
| Average total assets | $196,886,200 | 2,989 |
| Average earning assets | $176,259,600 | 3,048 |
| Average equity | $22,777,600 | 2,912 |
| Average total loans | $107,352,000 | 3,253 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3134% | 5,196 |
| Cost of funding earning assets | 0.1907% | 5,172 |
| Net interest margin | 3.1227% | 4,713 |
| Noninterest income to average assets | 3.4829% | 172 |
| Noninterest expense to average assets | 3.9900% | 598 |
| Loan and lease loss provision to assets | -0.1200% | 5,812 |
| Net operating income to assets | 2.4033% | 184 |
| Return on assets (ROA) | 2.4053% | 192 |
| Pretax return on assets | 2.4053% | 253 |
| Return on Equity (ROE) | 20.7116% | 207 |
| Retained earnings to average equity (ytd only) | 10.5876% | 476 |
| Net charge-offs to loans | 0.0732% | 2,269 |
| Credit loss provision to net charge-offs | -303.4483% | 4,960 |
| Earnings coverage of net charge-offs (x) | 57.7597% | 984 |
| Efficiency ratio | 63.6028% | 3,984 |
| Assets per employee ($millions) | 3.8944% | 4,139 |
| Cash dividends to net income (ytd only)* | 48.8806% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 3,187 |
| Loan loss allowance to noncurrent loans | 4,303.2258% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 5,025 |
| Noncurrent loans to loans | 0.0281% | 5,269 |
| Net loans and leases to total assets | 53.8539% | 4,501 |
| Net loans and leases to deposits | 61.0909% | 4,678 |
| Net loans and leases to core deposits | 61.0909% | 4,886 |
| Total domestic deposits to total assets | 88.1537% | 1,321 |
| Equity capital to assets | 11.6725% | 2,378 |
| Core capital (leverage) ratio | 10.7248% | 2,756 |
| Tier 1 risk-based capital ratio | 21.6936% | 1,171 |
| Total risk-based capital ratio | 22.9752% | 1,152 |
| Memoranda: | ||
| Average total assets | $195,615,250 | 3,011 |
| Average earning assets | $174,802,250 | 3,074 |
| Average equity | $22,717,750 | 2,945 |
| Average total loans | $105,586,500 | 3,293 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3313% | 5,221 |
| Cost of funding earning assets | 0.1932% | 5,204 |
| Net interest margin | 3.1381% | 4,727 |
| Noninterest income to average assets | 3.2610% | 183 |
| Noninterest expense to average assets | 3.9697% | 617 |
| Loan and lease loss provision to assets | -0.2586% | 5,962 |
| Net operating income to assets | 2.3557% | 185 |
| Return on assets (ROA) | 2.3578% | 194 |
| Pretax return on assets | 2.3578% | 276 |
| Return on Equity (ROE) | 20.3382% | 229 |
| Retained earnings to average equity (ytd only) | 7.6034% | 1,338 |
| Net charge-offs to loans | 0.0269% | 2,937 |
| Credit loss provision to net charge-offs | -1,785.7143% | 5,197 |
| Earnings coverage of net charge-offs (x) | 144.7857% | 424 |
| Efficiency ratio | 65.4332% | 3,769 |
| Assets per employee ($millions) | 3.7867% | 4,288 |
| Cash dividends to net income (ytd only)* | 62.6152% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 3,348 |
| Loan loss allowance to noncurrent loans | 749.4253% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 5,164 |
| Noncurrent loans to loans | 0.1604% | 4,801 |
| Net loans and leases to total assets | 55.5118% | 4,358 |
| Net loans and leases to deposits | 63.0714% | 4,566 |
| Net loans and leases to core deposits | 63.0714% | 4,806 |
| Total domestic deposits to total assets | 88.0143% | 1,426 |
| Equity capital to assets | 11.8522% | 2,230 |
| Core capital (leverage) ratio | 10.4136% | 3,062 |
| Tier 1 risk-based capital ratio | 21.2651% | 1,231 |
| Total risk-based capital ratio | 22.5482% | 1,206 |
| Memoranda: | ||
| Average total assets | $193,316,670 | 3,058 |
| Average earning assets | $172,843,330 | 3,110 |
| Average equity | $22,411,000 | 2,982 |
| Average total loans | $103,984,000 | 3,340 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3247% | 5,272 |
| Cost of funding earning assets | 0.1945% | 5,251 |
| Net interest margin | 3.1302% | 4,780 |
| Noninterest income to average assets | 3.9770% | 152 |
| Noninterest expense to average assets | 3.6957% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.0773% | 90 |
| Return on assets (ROA) | 3.0794% | 91 |
| Pretax return on assets | 3.0794% | 123 |
| Return on Equity (ROE) | 26.8627% | 76 |
| Retained earnings to average equity (ytd only) | 26.8627% | 37 |
| Net charge-offs to loans | 0.0197% | 2,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 297.6000% | 203 |
| Efficiency ratio | 54.5649% | 5,334 |
| Assets per employee ($millions) | 3.9509% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 1,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 49.8292% | 4,821 |
| Net loans and leases to deposits | 56.5604% | 4,946 |
| Net loans and leases to core deposits | 56.6427% | 5,105 |
| Total domestic deposits to total assets | 88.0990% | 1,592 |
| Equity capital to assets | 11.6960% | 2,247 |
| Core capital (leverage) ratio | 10.7705% | 2,651 |
| Tier 1 risk-based capital ratio | 21.1673% | 1,287 |
| Total risk-based capital ratio | 22.4546% | 1,253 |
| Memoranda: | ||
| Average total assets | $193,414,500 | 3,065 |
| Average earning assets | $172,766,500 | 3,124 |
| Average equity | $22,172,000 | 3,006 |
| Average total loans | $101,721,500 | 3,393 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2868% | 5,368 |
| Cost of funding earning assets | 0.3805% | 3,361 |
| Net interest margin | 2.9063% | 5,327 |
| Noninterest income to average assets | 2.8574% | 217 |
| Noninterest expense to average assets | 3.7187% | 954 |
| Loan and lease loss provision to assets | -0.0099% | 5,627 |
| Net operating income to assets | 1.7211% | 552 |
| Return on assets (ROA) | 1.7216% | 576 |
| Pretax return on assets | 1.7216% | 950 |
| Return on Equity (ROE) | 15.2641% | 649 |
| Retained earnings to average equity (ytd only) | -2.4853% | 5,783 |
| Net charge-offs to loans | 0.1575% | 1,803 |
| Credit loss provision to net charge-offs | -12.1795% | 4,954 |
| Earnings coverage of net charge-offs (x) | 20.9744% | 1,844 |
| Efficiency ratio | 68.4869% | 3,481 |
| Assets per employee ($millions) | 3.7856% | 4,312 |
| Cash dividends to net income (ytd only)* | 116.2819% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 1,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 53.8223% | 4,523 |
| Net loans and leases to deposits | 60.7330% | 4,718 |
| Net loans and leases to core deposits | 60.8244% | 4,935 |
| Total domestic deposits to total assets | 88.6212% | 1,324 |
| Equity capital to assets | 11.2208% | 2,621 |
| Core capital (leverage) ratio | 10.4538% | 2,981 |
| Tier 1 risk-based capital ratio | 21.0772% | 1,286 |
| Total risk-based capital ratio | 22.3571% | 1,257 |
| Memoranda: | ||
| Average total assets | $191,220,400 | 3,034 |
| Average earning assets | $169,250,800 | 3,136 |
| Average equity | $21,567,000 | 3,020 |
| Average total loans | $99,075,800 | 3,402 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2206% | 5,561 |
| Cost of funding earning assets | 0.3608% | 3,644 |
| Net interest margin | 2.8598% | 5,475 |
| Noninterest income to average assets | 2.9642% | 215 |
| Noninterest expense to average assets | 3.6826% | 1,001 |
| Loan and lease loss provision to assets | -0.0132% | 5,827 |
| Net operating income to assets | 1.8250% | 492 |
| Return on assets (ROA) | 1.8257% | 512 |
| Pretax return on assets | 1.8257% | 848 |
| Return on Equity (ROE) | 16.1666% | 563 |
| Retained earnings to average equity (ytd only) | -0.3757% | 5,671 |
| Net charge-offs to loans | 0.1429% | 1,693 |
| Credit loss provision to net charge-offs | -18.0952% | 4,879 |
| Earnings coverage of net charge-offs (x) | 24.8089% | 1,680 |
| Efficiency ratio | 67.0253% | 3,708 |
| Assets per employee ($millions) | 4.3052% | 3,311 |
| Cash dividends to net income (ytd only)* | 102.3238% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 1,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.9262% | 4,669 |
| Net loans and leases to deposits | 61.6537% | 4,745 |
| Net loans and leases to core deposits | 61.7472% | 4,957 |
| Total domestic deposits to total assets | 85.8444% | 2,616 |
| Equity capital to assets | 11.3332% | 2,663 |
| Core capital (leverage) ratio | 10.5845% | 2,944 |
| Tier 1 risk-based capital ratio | 20.7785% | 1,388 |
| Total risk-based capital ratio | 22.0571% | 1,351 |
| Memoranda: | ||
| Average total assets | $191,705,000 | 3,057 |
| Average earning assets | $169,612,000 | 3,154 |
| Average equity | $21,649,000 | 3,027 |
| Average total loans | $97,983,750 | 3,449 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2030% | 5,621 |
| Cost of funding earning assets | 0.3546% | 3,758 |
| Net interest margin | 2.8484% | 5,533 |
| Noninterest income to average assets | 2.8969% | 226 |
| Noninterest expense to average assets | 3.7010% | 984 |
| Loan and lease loss provision to assets | -0.0199% | 5,974 |
| Net operating income to assets | 1.7306% | 594 |
| Return on assets (ROA) | 1.7317% | 619 |
| Pretax return on assets | 1.7317% | 1,018 |
| Return on Equity (ROE) | 15.3527% | 684 |
| Retained earnings to average equity (ytd only) | -5.1423% | 6,027 |
| Net charge-offs to loans | 0.2585% | 1,005 |
| Credit loss provision to net charge-offs | -15.3226% | 4,713 |
| Earnings coverage of net charge-offs (x) | 13.1774% | 2,155 |
| Efficiency ratio | 68.3885% | 3,613 |
| Assets per employee ($millions) | 4.1022% | 3,680 |
| Cash dividends to net income (ytd only)* | 133.4946% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 1,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 5,538 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 49.9308% | 4,939 |
| Net loans and leases to deposits | 58.0871% | 4,988 |
| Net loans and leases to core deposits | 58.1775% | 5,183 |
| Total domestic deposits to total assets | 85.9586% | 2,707 |
| Equity capital to assets | 11.2120% | 2,659 |
| Core capital (leverage) ratio | 10.3372% | 3,168 |
| Tier 1 risk-based capital ratio | 20.6558% | 1,428 |
| Total risk-based capital ratio | 21.9360% | 1,396 |
| Memoranda: | ||
| Average total assets | $191,029,330 | 3,088 |
| Average earning assets | $168,654,670 | 3,180 |
| Average equity | $21,546,670 | 3,047 |
| Average total loans | $95,927,000 | 3,512 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1981% | 5,653 |
| Cost of funding earning assets | 0.3514% | 3,843 |
| Net interest margin | 2.8466% | 5,557 |
| Noninterest income to average assets | 2.4246% | 283 |
| Noninterest expense to average assets | 3.4673% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4693% | 906 |
| Return on assets (ROA) | 1.4693% | 965 |
| Pretax return on assets | 1.4693% | 1,663 |
| Return on Equity (ROE) | 12.9890% | 1,090 |
| Retained earnings to average equity (ytd only) | -11.1676% | 6,159 |
| Net charge-offs to loans | 0.3917% | 626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.5106% | 2,162 |
| Efficiency ratio | 70.2361% | 3,445 |
| Assets per employee ($millions) | 4.1414% | 3,674 |
| Cash dividends to net income (ytd only)* | 185.9773% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 1,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 5,529 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 48.4680% | 4,988 |
| Net loans and leases to deposits | 56.2706% | 5,030 |
| Net loans and leases to core deposits | 56.4703% | 5,222 |
| Total domestic deposits to total assets | 86.1338% | 2,868 |
| Equity capital to assets | 11.1197% | 2,843 |
| Core capital (leverage) ratio | 10.3392% | 3,177 |
| Tier 1 risk-based capital ratio | 19.0375% | 1,855 |
| Total risk-based capital ratio | 20.3144% | 1,809 |
| Memoranda: | ||
| Average total assets | $192,194,500 | 3,090 |
| Average earning assets | $169,603,000 | 3,181 |
| Average equity | $21,741,500 | 3,045 |
| Average total loans | $95,981,000 | 3,524 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4965% | 5,323 |
| Cost of funding earning assets | 0.3746% | 3,984 |
| Net interest margin | 3.1219% | 5,149 |
| Noninterest income to average assets | 2.8769% | 204 |
| Noninterest expense to average assets | 3.3891% | 1,719 |
| Loan and lease loss provision to assets | 0.0620% | 3,281 |
| Net operating income to assets | 2.1614% | 241 |
| Return on assets (ROA) | 2.1958% | 226 |
| Pretax return on assets | 2.1969% | 317 |
| Return on Equity (ROE) | 20.4842% | 223 |
| Retained earnings to average equity (ytd only) | 12.9842% | 225 |
| Net charge-offs to loans | 0.1636% | 2,398 |
| Credit loss provision to net charge-offs | 72.6708% | 3,005 |
| Earnings coverage of net charge-offs (x) | 26.0870% | 1,477 |
| Efficiency ratio | 60.3736% | 5,169 |
| Assets per employee ($millions) | 4.0371% | 3,865 |
| Cash dividends to net income (ytd only)* | 36.6136% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 1,500 |
| Loan loss allowance to noncurrent loans | 1,281.6176% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 5,740 |
| Noncurrent loans to loans | 0.1417% | 5,327 |
| Net loans and leases to total assets | 49.6614% | 5,002 |
| Net loans and leases to deposits | 57.9660% | 5,067 |
| Net loans and leases to core deposits | 58.0879% | 5,257 |
| Total domestic deposits to total assets | 85.6733% | 2,995 |
| Equity capital to assets | 11.5098% | 2,421 |
| Core capital (leverage) ratio | 11.3074% | 2,127 |
| Tier 1 risk-based capital ratio | 20.0406% | 1,599 |
| Total risk-based capital ratio | 21.2961% | 1,561 |
| Memoranda: | ||
| Average total assets | $188,813,200 | 3,113 |
| Average earning assets | $165,509,400 | 3,209 |
| Average equity | $20,240,000 | 3,139 |
| Average total loans | $98,424,600 | 3,457 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4723% | 5,450 |
| Cost of funding earning assets | 0.3768% | 4,057 |
| Net interest margin | 3.0955% | 5,271 |
| Noninterest income to average assets | 2.8295% | 206 |
| Noninterest expense to average assets | 3.2883% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.2526% | 208 |
| Return on assets (ROA) | 2.2815% | 203 |
| Pretax return on assets | 2.2830% | 310 |
| Return on Equity (ROE) | 21.6860% | 203 |
| Retained earnings to average equity (ytd only) | 14.0384% | 248 |
| Net charge-offs to loans | 0.0471% | 3,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 91.0769% | 633 |
| Efficiency ratio | 59.3315% | 5,273 |
| Assets per employee ($millions) | 3.6971% | 4,495 |
| Cash dividends to net income (ytd only)* | 35.2651% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7056% | 1,951 |
| Loan loss allowance to noncurrent loans | 1,472.2689% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 5,895 |
| Noncurrent loans to loans | 0.1158% | 5,580 |
| Net loans and leases to total assets | 54.6209% | 4,503 |
| Net loans and leases to deposits | 63.7421% | 4,570 |
| Net loans and leases to core deposits | 63.8792% | 4,888 |
| Total domestic deposits to total assets | 85.6905% | 3,020 |
| Equity capital to assets | 11.3505% | 2,629 |
| Core capital (leverage) ratio | 10.9598% | 2,527 |
| Tier 1 risk-based capital ratio | 18.0496% | 2,199 |
| Total risk-based capital ratio | 19.3042% | 2,152 |
| Memoranda: | ||
| Average total assets | $188,580,750 | 3,144 |
| Average earning assets | $165,267,500 | 3,243 |
| Average equity | $19,840,250 | 3,185 |
| Average total loans | $99,037,750 | 3,462 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3857% | 5,654 |
| Cost of funding earning assets | 0.3778% | 4,132 |
| Net interest margin | 3.0079% | 5,498 |
| Noninterest income to average assets | 2.6962% | 221 |
| Noninterest expense to average assets | 3.0323% | 2,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.2958% | 193 |
| Return on assets (ROA) | 2.2958% | 201 |
| Pretax return on assets | 2.2979% | 306 |
| Return on Equity (ROE) | 22.3950% | 182 |
| Retained earnings to average equity (ytd only) | 15.0054% | 214 |
| Net charge-offs to loans | 0.1534% | 2,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 29.0800% | 1,283 |
| Efficiency ratio | 56.8887% | 5,665 |
| Assets per employee ($millions) | 3.7764% | 4,300 |
| Cash dividends to net income (ytd only)* | 32.9968% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 2,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 52.8880% | 4,653 |
| Net loans and leases to deposits | 61.3861% | 4,746 |
| Net loans and leases to core deposits | 61.5343% | 5,007 |
| Total domestic deposits to total assets | 86.1563% | 2,965 |
| Equity capital to assets | 10.9936% | 2,882 |
| Core capital (leverage) ratio | 10.9551% | 2,468 |
| Tier 1 risk-based capital ratio | 18.2980% | 2,132 |
| Total risk-based capital ratio | 19.3988% | 2,157 |
| Memoranda: | ||
| Average total assets | $189,822,330 | 3,155 |
| Average earning assets | $166,230,330 | 3,244 |
| Average equity | $19,459,670 | 3,228 |
| Average total loans | $97,809,670 | 3,497 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3230% | 5,798 |
| Cost of funding earning assets | 0.3766% | 4,236 |
| Net interest margin | 2.9464% | 5,653 |
| Noninterest income to average assets | 3.2402% | 172 |
| Noninterest expense to average assets | 2.5909% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 3.2339% | 89 |
| Return on assets (ROA) | 3.2339% | 91 |
| Pretax return on assets | 3.2381% | 123 |
| Return on Equity (ROE) | 32.6848% | 53 |
| Retained earnings to average equity (ytd only) | 32.6848% | 30 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4484% | 6,480 |
| Assets per employee ($millions) | 3.7964% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8763% | 1,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 48.2692% | 5,091 |
| Net loans and leases to deposits | 55.6263% | 5,143 |
| Net loans and leases to core deposits | 55.7387% | 5,373 |
| Total domestic deposits to total assets | 86.7742% | 2,952 |
| Equity capital to assets | 10.4290% | 3,321 |
| Core capital (leverage) ratio | 10.5076% | 2,922 |
| Tier 1 risk-based capital ratio | 19.2545% | 1,891 |
| Total risk-based capital ratio | 20.3949% | 1,887 |
| Memoranda: | ||
| Average total assets | $192,211,500 | 3,134 |
| Average earning assets | $168,885,500 | 3,230 |
| Average equity | $19,018,000 | 3,278 |
| Average total loans | $96,925,500 | 3,535 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3551% | 5,914 |
| Cost of funding earning assets | 0.5037% | 3,571 |
| Net interest margin | 2.8514% | 5,897 |
| Noninterest income to average assets | 3.6897% | 178 |
| Noninterest expense to average assets | 4.1036% | 772 |
| Loan and lease loss provision to assets | -0.2370% | 6,628 |
| Net operating income to assets | 2.3250% | 206 |
| Return on assets (ROA) | 2.3250% | 211 |
| Pretax return on assets | 2.3276% | 254 |
| Return on Equity (ROE) | 23.6637% | 159 |
| Retained earnings to average equity (ytd only) | 1.9720% | 4,830 |
| Net charge-offs to loans | 0.0638% | 4,319 |
| Credit loss provision to net charge-offs | -701.5625% | 6,192 |
| Earnings coverage of net charge-offs (x) | 61.8750% | 668 |
| Efficiency ratio | 66.2490% | 4,514 |
| Assets per employee ($millions) | 3.8941% | 4,077 |
| Cash dividends to net income (ytd only)* | 91.6667% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 2,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 50.7424% | 4,997 |
| Net loans and leases to deposits | 57.8973% | 5,134 |
| Net loans and leases to core deposits | 58.0145% | 5,392 |
| Total domestic deposits to total assets | 87.6421% | 2,397 |
| Equity capital to assets | 9.3518% | 4,619 |
| Core capital (leverage) ratio | 9.5598% | 4,176 |
| Tier 1 risk-based capital ratio | 16.5209% | 2,847 |
| Total risk-based capital ratio | 17.6161% | 2,876 |
| Memoranda: | ||
| Average total assets | $189,420,200 | 3,171 |
| Average earning assets | $166,374,800 | 3,265 |
| Average equity | $18,610,800 | 3,325 |
| Average total loans | $100,320,600 | 3,436 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3403% | 5,988 |
| Cost of funding earning assets | 0.5368% | 3,395 |
| Net interest margin | 2.8035% | 6,014 |
| Noninterest income to average assets | 4.1598% | 168 |
| Noninterest expense to average assets | 4.0780% | 787 |
| Loan and lease loss provision to assets | -0.0247% | 6,499 |
| Net operating income to assets | 2.5633% | 161 |
| Return on assets (ROA) | 2.5633% | 169 |
| Pretax return on assets | 2.5668% | 228 |
| Return on Equity (ROE) | 25.7761% | 108 |
| Retained earnings to average equity (ytd only) | 9.3673% | 944 |
| Net charge-offs to loans | 0.1072% | 3,468 |
| Credit loss provision to net charge-offs | -43.2099% | 5,695 |
| Earnings coverage of net charge-offs (x) | 44.5051% | 935 |
| Efficiency ratio | 61.5999% | 5,189 |
| Assets per employee ($millions) | 3.6324% | 4,594 |
| Cash dividends to net income (ytd only)* | 63.6589% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1661% | 1,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 52.2249% | 4,850 |
| Net loans and leases to deposits | 59.9736% | 4,976 |
| Net loans and leases to core deposits | 60.0971% | 5,292 |
| Total domestic deposits to total assets | 87.0798% | 2,649 |
| Equity capital to assets | 9.9914% | 3,912 |
| Core capital (leverage) ratio | 10.1654% | 3,451 |
| Tier 1 risk-based capital ratio | 17.9425% | 2,344 |
| Total risk-based capital ratio | 19.0795% | 2,355 |
| Memoranda: | ||
| Average total assets | $189,073,000 | 3,203 |
| Average earning assets | $165,931,250 | 3,300 |
| Average equity | $18,802,500 | 3,335 |
| Average total loans | $100,748,750 | 3,461 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2802% | 6,117 |
| Cost of funding earning assets | 0.5869% | 3,063 |
| Net interest margin | 2.6933% | 6,189 |
| Noninterest income to average assets | 4.4021% | 171 |
| Noninterest expense to average assets | 3.9897% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.7705% | 133 |
| Return on assets (ROA) | 2.7705% | 139 |
| Pretax return on assets | 2.7758% | 186 |
| Return on Equity (ROE) | 27.9030% | 90 |
| Retained earnings to average equity (ytd only) | 7.1781% | 1,807 |
| Net charge-offs to loans | 0.0814% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 64.0244% | 671 |
| Efficiency ratio | 58.9716% | 5,605 |
| Assets per employee ($millions) | 3.4337% | 4,985 |
| Cash dividends to net income (ytd only)* | 74.2748% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3087% | 1,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 50.6145% | 5,046 |
| Net loans and leases to deposits | 58.1163% | 5,152 |
| Net loans and leases to core deposits | 58.3519% | 5,393 |
| Total domestic deposits to total assets | 87.0917% | 2,764 |
| Equity capital to assets | 9.9971% | 3,919 |
| Core capital (leverage) ratio | 9.8668% | 3,689 |
| Tier 1 risk-based capital ratio | 17.5361% | 2,499 |
| Total risk-based capital ratio | 18.6679% | 2,518 |
| Memoranda: | ||
| Average total assets | $189,136,330 | 3,206 |
| Average earning assets | $165,964,330 | 3,315 |
| Average equity | $18,779,330 | 3,358 |
| Average total loans | $100,722,330 | 3,464 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2812% | 6,186 |
| Cost of funding earning assets | 0.6529% | 2,628 |
| Net interest margin | 2.6284% | 6,334 |
| Noninterest income to average assets | 4.4929% | 171 |
| Noninterest expense to average assets | 3.8906% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.8889% | 116 |
| Return on assets (ROA) | 2.8889% | 122 |
| Pretax return on assets | 2.8995% | 170 |
| Return on Equity (ROE) | 29.1954% | 83 |
| Retained earnings to average equity (ytd only) | -3.2677% | 6,207 |
| Net charge-offs to loans | 0.0666% | 3,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 80.7059% | 462 |
| Efficiency ratio | 57.2985% | 5,921 |
| Assets per employee ($millions) | 3.5816% | 4,818 |
| Cash dividends to net income (ytd only)* | 111.1924% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2617% | 1,470 |
| Loan loss allowance to noncurrent loans | 1,001.3158% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 6,215 |
| Noncurrent loans to loans | 0.2259% | 5,851 |
| Net loans and leases to total assets | 51.0113% | 4,838 |
| Net loans and leases to deposits | 58.2809% | 4,999 |
| Net loans and leases to core deposits | 58.5965% | 5,281 |
| Total domestic deposits to total assets | 87.5268% | 2,614 |
| Equity capital to assets | 9.6481% | 4,641 |
| Core capital (leverage) ratio | 9.2408% | 4,495 |
| Tier 1 risk-based capital ratio | 16.9855% | 2,758 |
| Total risk-based capital ratio | 17.9497% | 2,875 |
| Memoranda: | ||
| Average total assets | $189,277,000 | 3,234 |
| Average earning assets | $165,425,500 | 3,358 |
| Average equity | $18,729,000 | 3,419 |
| Average total loans | $102,160,000 | 3,459 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 5,069 |
| Cost of funding earning assets | 0.7367% | 3,196 |
| Net interest margin | 3.3306% | 5,138 |
| Noninterest income to average assets | 3.5943% | 204 |
| Noninterest expense to average assets | 4.2742% | 701 |
| Loan and lease loss provision to assets | 0.5333% | 1,086 |
| Net operating income to assets | 1.6664% | 666 |
| Return on assets (ROA) | 1.6664% | 742 |
| Pretax return on assets | 1.6693% | 1,214 |
| Return on Equity (ROE) | 15.5931% | 723 |
| Retained earnings to average equity (ytd only) | -1.8332% | 6,139 |
| Net charge-offs to loans | 0.4977% | 2,246 |
| Credit loss provision to net charge-offs | 179.6875% | 1,464 |
| Earnings coverage of net charge-offs (x) | 7.4219% | 2,608 |
| Efficiency ratio | 65.9925% | 4,509 |
| Assets per employee ($millions) | 3.7030% | 4,551 |
| Cash dividends to net income (ytd only)* | 111.7565% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2248% | 1,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 54.5931% | 4,533 |
| Net loans and leases to deposits | 62.8317% | 4,678 |
| Net loans and leases to core deposits | 63.0902% | 5,052 |
| Total domestic deposits to total assets | 86.8878% | 2,896 |
| Equity capital to assets | 10.1530% | 3,960 |
| Core capital (leverage) ratio | 9.7449% | 3,741 |
| Tier 1 risk-based capital ratio | 18.0865% | 2,230 |
| Total risk-based capital ratio | 19.3231% | 2,211 |
| Memoranda: | ||
| Average total assets | $172,523,000 | 3,408 |
| Average earning assets | $149,313,600 | 3,570 |
| Average equity | $18,437,600 | 3,417 |
| Average total loans | $102,869,000 | 3,461 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 4,986 |
| Cost of funding earning assets | 0.7447% | 3,392 |
| Net interest margin | 3.4056% | 5,021 |
| Noninterest income to average assets | 2.6640% | 291 |
| Noninterest expense to average assets | 4.1731% | 749 |
| Loan and lease loss provision to assets | 0.0338% | 5,349 |
| Net operating income to assets | 1.3981% | 1,225 |
| Return on assets (ROA) | 1.3981% | 1,348 |
| Pretax return on assets | 1.4021% | 2,229 |
| Return on Equity (ROE) | 12.9061% | 1,360 |
| Retained earnings to average equity (ytd only) | -6.0824% | 6,676 |
| Net charge-offs to loans | 0.3543% | 2,686 |
| Credit loss provision to net charge-offs | 15.7509% | 5,013 |
| Earnings coverage of net charge-offs (x) | 6.6813% | 2,743 |
| Efficiency ratio | 74.4000% | 2,915 |
| Assets per employee ($millions) | 3.7797% | 4,352 |
| Cash dividends to net income (ytd only)* | 147.1283% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 3,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 58.9555% | 3,965 |
| Net loans and leases to deposits | 68.2398% | 4,145 |
| Net loans and leases to core deposits | 68.5391% | 4,667 |
| Total domestic deposits to total assets | 86.3946% | 3,040 |
| Equity capital to assets | 10.5708% | 3,767 |
| Core capital (leverage) ratio | 10.1060% | 3,403 |
| Tier 1 risk-based capital ratio | 16.8007% | 2,840 |
| Total risk-based capital ratio | 17.9926% | 2,838 |
| Memoranda: | ||
| Average total assets | $169,366,750 | 3,501 |
| Average earning assets | $146,462,250 | 3,651 |
| Average equity | $18,347,500 | 3,461 |
| Average total loans | $102,741,750 | 3,490 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 4,885 |
| Cost of funding earning assets | 0.7529% | 3,582 |
| Net interest margin | 3.4668% | 4,812 |
| Noninterest income to average assets | 1.3118% | 824 |
| Noninterest expense to average assets | 3.8828% | 1,095 |
| Loan and lease loss provision to assets | -0.5064% | 7,203 |
| Net operating income to assets | 0.9138% | 2,841 |
| Return on assets (ROA) | 0.9138% | 3,105 |
| Pretax return on assets | 0.9198% | 4,004 |
| Return on Equity (ROE) | 8.3656% | 3,082 |
| Retained earnings to average equity (ytd only) | -14.1354% | 6,926 |
| Net charge-offs to loans | 0.1975% | 3,402 |
| Credit loss provision to net charge-offs | -420.7921% | 6,256 |
| Earnings coverage of net charge-offs (x) | 3.4356% | 3,373 |
| Efficiency ratio | 90.3771% | 1,047 |
| Assets per employee ($millions) | 3.7999% | 4,316 |
| Cash dividends to net income (ytd only)* | 268.9700% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 4,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 58.5489% | 4,072 |
| Net loans and leases to deposits | 68.0415% | 4,190 |
| Net loans and leases to core deposits | 68.3517% | 4,748 |
| Total domestic deposits to total assets | 86.0488% | 3,332 |
| Equity capital to assets | 10.7436% | 3,403 |
| Core capital (leverage) ratio | 10.2104% | 3,129 |
| Tier 1 risk-based capital ratio | 17.2198% | 2,576 |
| Total risk-based capital ratio | 18.4730% | 2,537 |
| Memoranda: | ||
| Average total assets | $167,867,330 | 3,536 |
| Average earning assets | $144,512,330 | 3,703 |
| Average equity | $18,337,000 | 3,449 |
| Average total loans | $102,267,330 | 3,509 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 5,062 |
| Cost of funding earning assets | 0.7491% | 3,865 |
| Net interest margin | 3.4648% | 4,846 |
| Noninterest income to average assets | 0.5850% | 3,324 |
| Noninterest expense to average assets | 3.8240% | 1,177 |
| Loan and lease loss provision to assets | -1.0107% | 7,287 |
| Net operating income to assets | 0.7515% | 3,617 |
| Return on assets (ROA) | 0.7515% | 3,849 |
| Pretax return on assets | 0.7634% | 4,557 |
| Return on Equity (ROE) | 6.8236% | 3,879 |
| Retained earnings to average equity (ytd only) | -27.3591% | 7,112 |
| Net charge-offs to loans | 0.2814% | 2,542 |
| Credit loss provision to net charge-offs | -582.1918% | 5,809 |
| Earnings coverage of net charge-offs (x) | -1.4247% | 4,586 |
| Efficiency ratio | 106.9149% | 391 |
| Assets per employee ($millions) | 4.0154% | 3,970 |
| Cash dividends to net income (ytd only)* | 500.9494% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 4,910 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 60.1107% | 3,643 |
| Net loans and leases to deposits | 69.3995% | 3,817 |
| Net loans and leases to core deposits | 69.7029% | 4,465 |
| Total domestic deposits to total assets | 86.6155% | 3,167 |
| Equity capital to assets | 10.3103% | 3,720 |
| Core capital (leverage) ratio | 9.8433% | 3,579 |
| Tier 1 risk-based capital ratio | 16.6401% | 2,847 |
| Total risk-based capital ratio | 17.9014% | 2,795 |
| Memoranda: | ||
| Average total assets | $168,202,500 | 3,550 |
| Average earning assets | $145,231,500 | 3,710 |
| Average equity | $18,524,000 | 3,421 |
| Average total loans | $103,772,000 | 3,505 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 5,085 |
| Cost of funding earning assets | 0.8973% | 4,135 |
| Net interest margin | 3.6002% | 4,728 |
| Noninterest income to average assets | 2.7147% | 236 |
| Noninterest expense to average assets | 3.9541% | 1,107 |
| Loan and lease loss provision to assets | -0.0622% | 7,253 |
| Net operating income to assets | 1.8793% | 397 |
| Return on assets (ROA) | 1.8793% | 433 |
| Pretax return on assets | 1.8824% | 688 |
| Return on Equity (ROE) | 16.1370% | 582 |
| Retained earnings to average equity (ytd only) | 3.6721% | 3,602 |
| Net charge-offs to loans | 0.0333% | 5,981 |
| Credit loss provision to net charge-offs | -303.0303% | 6,780 |
| Earnings coverage of net charge-offs (x) | 88.6061% | 335 |
| Efficiency ratio | 68.4778% | 4,256 |
| Assets per employee ($millions) | 3.7214% | 4,505 |
| Cash dividends to net income (ytd only)* | 77.2441% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7829% | 2,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 61.3990% | 3,713 |
| Net loans and leases to deposits | 72.2844% | 3,757 |
| Net loans and leases to core deposits | 72.2844% | 4,476 |
| Total domestic deposits to total assets | 84.9409% | 3,885 |
| Equity capital to assets | 11.7539% | 2,304 |
| Core capital (leverage) ratio | 11.0816% | 2,209 |
| Tier 1 risk-based capital ratio | 17.9263% | 2,219 |
| Total risk-based capital ratio | 19.1766% | 2,192 |
| Memoranda: | ||
| Average total assets | $160,644,600 | 3,622 |
| Average earning assets | $136,521,200 | 3,813 |
| Average equity | $18,708,600 | 3,323 |
| Average total loans | $99,202,600 | 3,638 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 5,324 |
| Cost of funding earning assets | 0.9282% | 4,208 |
| Net interest margin | 3.5488% | 4,986 |
| Noninterest income to average assets | 2.2943% | 302 |
| Noninterest expense to average assets | 3.8555% | 1,221 |
| Loan and lease loss provision to assets | -0.3336% | 7,401 |
| Net operating income to assets | 1.7814% | 538 |
| Return on assets (ROA) | 1.7814% | 587 |
| Pretax return on assets | 1.7856% | 981 |
| Return on Equity (ROE) | 15.3327% | 779 |
| Retained earnings to average equity (ytd only) | 3.7973% | 4,029 |
| Net charge-offs to loans | 0.0596% | 5,372 |
| Credit loss provision to net charge-offs | -909.0909% | 6,754 |
| Earnings coverage of net charge-offs (x) | 39.5650% | 776 |
| Efficiency ratio | 72.6430% | 3,430 |
| Assets per employee ($millions) | 3.6551% | 4,626 |
| Cash dividends to net income (ytd only)* | 75.2339% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 4,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 61.5876% | 3,817 |
| Net loans and leases to deposits | 72.3092% | 3,942 |
| Net loans and leases to core deposits | 72.3092% | 4,675 |
| Total domestic deposits to total assets | 85.1725% | 3,694 |
| Equity capital to assets | 11.5760% | 2,619 |
| Core capital (leverage) ratio | 10.9032% | 2,473 |
| Tier 1 risk-based capital ratio | 17.7777% | 2,340 |
| Total risk-based capital ratio | 19.0263% | 2,308 |
| Memoranda: | ||
| Average total assets | $159,870,250 | 3,653 |
| Average earning assets | $135,741,500 | 3,842 |
| Average equity | $18,574,250 | 3,342 |
| Average total loans | $98,413,000 | 3,685 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 5,397 |
| Cost of funding earning assets | 0.9743% | 4,129 |
| Net interest margin | 3.5122% | 5,101 |
| Noninterest income to average assets | 2.5175% | 270 |
| Noninterest expense to average assets | 3.7073% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7773% | 526 |
| Return on assets (ROA) | 1.7773% | 564 |
| Pretax return on assets | 1.7836% | 911 |
| Return on Equity (ROE) | 15.2777% | 747 |
| Retained earnings to average equity (ytd only) | 1.7591% | 5,116 |
| Net charge-offs to loans | -0.0371% | 6,975 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5178% | 4,603 |
| Assets per employee ($millions) | 3.6747% | 4,514 |
| Cash dividends to net income (ytd only)* | 88.4861% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 2,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 61.2329% | 4,038 |
| Net loans and leases to deposits | 72.4293% | 4,048 |
| Net loans and leases to core deposits | 72.4293% | 4,767 |
| Total domestic deposits to total assets | 84.5416% | 4,102 |
| Equity capital to assets | 11.9693% | 2,114 |
| Core capital (leverage) ratio | 11.3258% | 2,031 |
| Tier 1 risk-based capital ratio | 17.7043% | 2,264 |
| Total risk-based capital ratio | 18.9540% | 2,232 |
| Memoranda: | ||
| Average total assets | $158,334,330 | 3,709 |
| Average earning assets | $134,048,330 | 3,908 |
| Average equity | $18,419,000 | 3,345 |
| Average total loans | $96,946,330 | 3,770 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 5,619 |
| Cost of funding earning assets | 1.0217% | 4,052 |
| Net interest margin | 3.3979% | 5,434 |
| Noninterest income to average assets | 2.9863% | 223 |
| Noninterest expense to average assets | 3.7048% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1480% | 282 |
| Return on assets (ROA) | 2.1480% | 292 |
| Pretax return on assets | 2.1605% | 421 |
| Return on Equity (ROE) | 18.7255% | 417 |
| Retained earnings to average equity (ytd only) | 6.8726% | 2,203 |
| Net charge-offs to loans | 0.1688% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 21.1220% | 1,090 |
| Efficiency ratio | 63.1646% | 5,489 |
| Assets per employee ($millions) | 3.8143% | 4,273 |
| Cash dividends to net income (ytd only)* | 63.2985% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0221% | 2,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 58.0100% | 4,645 |
| Net loans and leases to deposits | 68.2621% | 4,638 |
| Net loans and leases to core deposits | 68.5491% | 5,223 |
| Total domestic deposits to total assets | 84.9813% | 4,039 |
| Equity capital to assets | 11.5986% | 2,196 |
| Core capital (leverage) ratio | 10.9835% | 2,203 |
| Tier 1 risk-based capital ratio | 17.6534% | 2,232 |
| Total risk-based capital ratio | 18.9031% | 2,205 |
| Memoranda: | ||
| Average total assets | $160,333,000 | 3,703 |
| Average earning assets | $135,848,000 | 3,901 |
| Average equity | $18,392,000 | 3,342 |
| Average total loans | $97,178,500 | 3,804 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 4,261 |
| Cost of funding earning assets | 1.3838% | 3,365 |
| Net interest margin | 3.6814% | 4,437 |
| Noninterest income to average assets | 3.5279% | 192 |
| Noninterest expense to average assets | 4.3772% | 743 |
| Loan and lease loss provision to assets | 0.2831% | 4,540 |
| Net operating income to assets | 1.9649% | 297 |
| Return on assets (ROA) | 1.9649% | 314 |
| Pretax return on assets | 1.9649% | 522 |
| Return on Equity (ROE) | 16.9082% | 486 |
| Retained earnings to average equity (ytd only) | -0.0056% | 5,588 |
| Net charge-offs to loans | 0.3758% | 4,160 |
| Credit loss provision to net charge-offs | 115.3439% | 3,751 |
| Earnings coverage of net charge-offs (x) | 9.1587% | 1,866 |
| Efficiency ratio | 66.0688% | 4,959 |
| Assets per employee ($millions) | 3.8206% | 4,206 |
| Cash dividends to net income (ytd only)* | 100.0330% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9677% | 2,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 60.7911% | 4,528 |
| Net loans and leases to deposits | 72.6590% | 4,405 |
| Net loans and leases to core deposits | 72.8010% | 5,124 |
| Total domestic deposits to total assets | 83.6663% | 4,521 |
| Equity capital to assets | 11.3438% | 2,378 |
| Core capital (leverage) ratio | 10.7504% | 2,352 |
| Tier 1 risk-based capital ratio | 17.0382% | 2,336 |
| Total risk-based capital ratio | 18.2880% | 2,300 |
| Memoranda: | ||
| Average total assets | $154,002,800 | 3,806 |
| Average earning assets | $129,569,600 | 4,024 |
| Average equity | $17,896,600 | 3,444 |
| Average total loans | $100,578,000 | 3,776 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1295% | 4,172 |
| Cost of funding earning assets | 1.4563% | 3,237 |
| Net interest margin | 3.6731% | 4,531 |
| Noninterest income to average assets | 3.3292% | 197 |
| Noninterest expense to average assets | 4.1639% | 866 |
| Loan and lease loss provision to assets | 0.2791% | 4,345 |
| Net operating income to assets | 1.9712% | 351 |
| Return on assets (ROA) | 1.9712% | 379 |
| Pretax return on assets | 1.9712% | 658 |
| Return on Equity (ROE) | 16.8570% | 603 |
| Retained earnings to average equity (ytd only) | -1.0475% | 6,023 |
| Net charge-offs to loans | 0.4204% | 3,609 |
| Credit loss provision to net charge-offs | 100.3145% | 4,298 |
| Earnings coverage of net charge-offs (x) | 8.0880% | 2,213 |
| Efficiency ratio | 64.9161% | 5,068 |
| Assets per employee ($millions) | 3.5277% | 4,906 |
| Cash dividends to net income (ytd only)* | 106.2142% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8938% | 2,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 62.0663% | 4,520 |
| Net loans and leases to deposits | 74.2623% | 4,460 |
| Net loans and leases to core deposits | 74.5810% | 5,220 |
| Total domestic deposits to total assets | 83.5771% | 4,332 |
| Equity capital to assets | 11.3790% | 2,619 |
| Core capital (leverage) ratio | 10.7414% | 2,476 |
| Tier 1 risk-based capital ratio | 16.6191% | 2,503 |
| Total risk-based capital ratio | 17.8687% | 2,460 |
| Memoranda: | ||
| Average total assets | $152,387,000 | 3,889 |
| Average earning assets | $127,989,500 | 4,111 |
| Average equity | $17,820,000 | 3,505 |
| Average total loans | $100,845,750 | 3,837 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 4,481 |
| Cost of funding earning assets | 1.5225% | 3,115 |
| Net interest margin | 3.5730% | 4,935 |
| Noninterest income to average assets | 2.5528% | 264 |
| Noninterest expense to average assets | 3.8811% | 1,213 |
| Loan and lease loss provision to assets | 0.1624% | 5,266 |
| Net operating income to assets | 1.5173% | 881 |
| Return on assets (ROA) | 1.5173% | 943 |
| Pretax return on assets | 1.5173% | 1,509 |
| Return on Equity (ROE) | 12.8533% | 1,272 |
| Retained earnings to average equity (ytd only) | -8.9635% | 6,864 |
| Net charge-offs to loans | 0.5030% | 3,024 |
| Credit loss provision to net charge-offs | 48.0315% | 5,459 |
| Earnings coverage of net charge-offs (x) | 4.9685% | 2,794 |
| Efficiency ratio | 69.7942% | 4,224 |
| Assets per employee ($millions) | 3.3886% | 5,221 |
| Cash dividends to net income (ytd only)* | 169.7368% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 3,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 67.1594% | 3,582 |
| Net loans and leases to deposits | 80.5354% | 3,514 |
| Net loans and leases to core deposits | 80.7354% | 4,587 |
| Total domestic deposits to total assets | 83.3912% | 4,395 |
| Equity capital to assets | 11.4169% | 2,509 |
| Core capital (leverage) ratio | 10.7449% | 2,435 |
| Tier 1 risk-based capital ratio | 15.9315% | 2,702 |
| Total risk-based capital ratio | 17.1817% | 2,668 |
| Memoranda: | ||
| Average total assets | $150,266,670 | 3,950 |
| Average earning assets | $126,503,000 | 4,168 |
| Average equity | $17,738,670 | 3,505 |
| Average total loans | $100,984,000 | 3,863 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1050% | 4,504 |
| Cost of funding earning assets | 1.5610% | 3,197 |
| Net interest margin | 3.5440% | 4,975 |
| Noninterest income to average assets | 2.1668% | 303 |
| Noninterest expense to average assets | 3.6069% | 1,721 |
| Loan and lease loss provision to assets | 0.0402% | 6,269 |
| Net operating income to assets | 1.5152% | 872 |
| Return on assets (ROA) | 1.5152% | 937 |
| Pretax return on assets | 1.5152% | 1,480 |
| Return on Equity (ROE) | 12.6232% | 1,343 |
| Retained earnings to average equity (ytd only) | -13.4275% | 7,143 |
| Net charge-offs to loans | 0.1610% | 3,961 |
| Credit loss provision to net charge-offs | 37.5000% | 4,678 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,425 |
| Efficiency ratio | 69.8701% | 4,331 |
| Assets per employee ($millions) | 3.3551% | 5,416 |
| Cash dividends to net income (ytd only)* | 206.3717% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9229% | 2,378 |
| Loan loss allowance to noncurrent loans | 6,253.3333% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 7,444 |
| Noncurrent loans to loans | 0.0307% | 7,336 |
| Net loans and leases to total assets | 63.3762% | 4,454 |
| Net loans and leases to deposits | 76.3162% | 4,356 |
| Net loans and leases to core deposits | 76.4729% | 5,196 |
| Total domestic deposits to total assets | 83.0442% | 4,601 |
| Equity capital to assets | 11.6591% | 2,260 |
| Core capital (leverage) ratio | 10.9674% | 2,250 |
| Tier 1 risk-based capital ratio | 15.1592% | 3,034 |
| Total risk-based capital ratio | 16.3974% | 3,000 |
| Memoranda: | ||
| Average total assets | $149,157,500 | 4,026 |
| Average earning assets | $126,073,000 | 4,242 |
| Average equity | $17,903,500 | 3,505 |
| Average total loans | $99,387,500 | 3,977 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4192% | 4,597 |
| Cost of funding earning assets | 2.0133% | 2,902 |
| Net interest margin | 3.4060% | 5,339 |
| Noninterest income to average assets | 3.5430% | 194 |
| Noninterest expense to average assets | 4.7629% | 626 |
| Loan and lease loss provision to assets | 0.9527% | 2,366 |
| Net operating income to assets | 0.6896% | 2,977 |
| Return on assets (ROA) | 1.9380% | 271 |
| Pretax return on assets | 1.9380% | 465 |
| Return on Equity (ROE) | 16.2388% | 530 |
| Retained earnings to average equity (ytd only) | 4.5341% | 2,080 |
| Net charge-offs to loans | 0.3015% | 4,748 |
| Credit loss provision to net charge-offs | 459.1503% | 679 |
| Earnings coverage of net charge-offs (x) | 7.9150% | 2,042 |
| Efficiency ratio | 74.3595% | 3,822 |
| Assets per employee ($millions) | 3.4264% | 5,192 |
| Cash dividends to net income (ytd only)* | 72.0784% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8782% | 2,320 |
| Loan loss allowance to noncurrent loans | 5,137.8378% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 7,461 |
| Noncurrent loans to loans | 0.0366% | 7,339 |
| Net loans and leases to total assets | 67.4060% | 3,833 |
| Net loans and leases to deposits | 81.9778% | 3,618 |
| Net loans and leases to core deposits | 87.7516% | 5,351 |
| Total domestic deposits to total assets | 82.2247% | 4,851 |
| Equity capital to assets | 12.3556% | 1,818 |
| Core capital (leverage) ratio | 11.6323% | 1,851 |
| Tier 1 risk-based capital ratio | 16.5505% | 2,296 |
| Total risk-based capital ratio | 17.7997% | 2,242 |
| Memoranda: | ||
| Average total assets | $147,472,600 | 3,993 |
| Average earning assets | $123,928,800 | 4,218 |
| Average equity | $17,599,800 | 3,565 |
| Average total loans | $101,497,400 | 3,909 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4069% | 4,914 |
| Cost of funding earning assets | 2.1038% | 2,876 |
| Net interest margin | 3.3031% | 5,628 |
| Noninterest income to average assets | 3.4429% | 190 |
| Noninterest expense to average assets | 4.7978% | 566 |
| Loan and lease loss provision to assets | 1.0684% | 1,819 |
| Net operating income to assets | 0.3525% | 4,587 |
| Return on assets (ROA) | 2.0166% | 306 |
| Pretax return on assets | 2.0166% | 526 |
| Return on Equity (ROE) | 17.0476% | 545 |
| Retained earnings to average equity (ytd only) | 3.2170% | 3,517 |
| Net charge-offs to loans | 0.3072% | 4,115 |
| Credit loss provision to net charge-offs | 505.1282% | 777 |
| Earnings coverage of net charge-offs (x) | 6.7180% | 2,553 |
| Efficiency ratio | 77.1512% | 3,292 |
| Assets per employee ($millions) | 3.5471% | 4,820 |
| Cash dividends to net income (ytd only)* | 81.1295% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 2,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 67.7776% | 4,006 |
| Net loans and leases to deposits | 82.6212% | 3,903 |
| Net loans and leases to core deposits | 88.0614% | 5,637 |
| Total domestic deposits to total assets | 82.0341% | 4,662 |
| Equity capital to assets | 11.9663% | 2,258 |
| Core capital (leverage) ratio | 11.2484% | 2,224 |
| Tier 1 risk-based capital ratio | 15.9925% | 2,632 |
| Total risk-based capital ratio | 17.2423% | 2,564 |
| Memoranda: | ||
| Average total assets | $147,507,250 | 4,014 |
| Average earning assets | $123,962,750 | 4,247 |
| Average equity | $17,448,750 | 3,623 |
| Average total loans | $101,568,500 | 3,945 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4218% | 5,033 |
| Cost of funding earning assets | 2.2044% | 2,770 |
| Net interest margin | 3.2174% | 5,850 |
| Noninterest income to average assets | 3.0309% | 211 |
| Noninterest expense to average assets | 5.0838% | 483 |
| Loan and lease loss provision to assets | 0.8244% | 2,035 |
| Net operating income to assets | -0.1768% | 6,149 |
| Return on assets (ROA) | 2.3276% | 169 |
| Pretax return on assets | 2.3276% | 287 |
| Return on Equity (ROE) | 19.7545% | 351 |
| Retained earnings to average equity (ytd only) | 1.2585% | 4,645 |
| Net charge-offs to loans | 0.3123% | 3,629 |
| Credit loss provision to net charge-offs | 383.5443% | 1,209 |
| Earnings coverage of net charge-offs (x) | 3.0127% | 3,607 |
| Efficiency ratio | 88.7016% | 1,933 |
| Assets per employee ($millions) | 3.5900% | 4,595 |
| Cash dividends to net income (ytd only)* | 93.6295% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 4,932 |
| Loan loss allowance to noncurrent loans | 3,289.4737% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 7,561 |
| Noncurrent loans to loans | 0.0365% | 7,447 |
| Net loans and leases to total assets | 68.1996% | 4,125 |
| Net loans and leases to deposits | 84.8013% | 3,753 |
| Net loans and leases to core deposits | 91.6611% | 5,383 |
| Total domestic deposits to total assets | 80.4229% | 5,308 |
| Equity capital to assets | 11.6164% | 2,458 |
| Core capital (leverage) ratio | 10.9026% | 2,483 |
| Tier 1 risk-based capital ratio | 15.6254% | 2,759 |
| Total risk-based capital ratio | 16.8232% | 2,716 |
| Memoranda: | ||
| Average total assets | $147,017,330 | 4,053 |
| Average earning assets | $123,391,000 | 4,285 |
| Average equity | $17,322,670 | 3,653 |
| Average total loans | $101,183,670 | 3,982 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5017% | 4,902 |
| Cost of funding earning assets | 2.3000% | 2,700 |
| Net interest margin | 3.2016% | 5,850 |
| Noninterest income to average assets | 0.4575% | 4,704 |
| Noninterest expense to average assets | 4.8037% | 554 |
| Loan and lease loss provision to assets | 0.8323% | 1,558 |
| Net operating income to assets | -2.4970% | 7,764 |
| Return on assets (ROA) | 2.5769% | 141 |
| Pretax return on assets | 2.5769% | 224 |
| Return on Equity (ROE) | 21.7107% | 322 |
| Retained earnings to average equity (ytd only) | -8.3360% | 6,944 |
| Net charge-offs to loans | 0.3369% | 2,743 |
| Credit loss provision to net charge-offs | 359.5238% | 1,413 |
| Earnings coverage of net charge-offs (x) | -7.1905% | 5,600 |
| Efficiency ratio | 153.0290% | 339 |
| Assets per employee ($millions) | 3.3358% | 5,230 |
| Cash dividends to net income (ytd only)* | 138.3957% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 5,969 |
| Loan loss allowance to noncurrent loans | 1,645.1613% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 7,486 |
| Noncurrent loans to loans | 0.0624% | 7,352 |
| Net loans and leases to total assets | 65.4585% | 4,715 |
| Net loans and leases to deposits | 81.6128% | 4,348 |
| Net loans and leases to core deposits | 85.5150% | 5,948 |
| Total domestic deposits to total assets | 80.2061% | 5,281 |
| Equity capital to assets | 11.3562% | 2,684 |
| Core capital (leverage) ratio | 10.6437% | 2,795 |
| Tier 1 risk-based capital ratio | 15.0769% | 3,027 |
| Total risk-based capital ratio | 16.0471% | 3,086 |
| Memoranda: | ||
| Average total assets | $145,137,000 | 4,090 |
| Average earning assets | $121,563,000 | 4,344 |
| Average equity | $17,226,500 | 3,690 |
| Average total loans | $99,735,500 | 4,038 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1829% | 4,597 |
| Cost of funding earning assets | 2.6417% | 3,474 |
| Net interest margin | 3.5413% | 5,142 |
| Noninterest income to average assets | 1.4993% | 623 |
| Noninterest expense to average assets | 4.0014% | 1,419 |
| Loan and lease loss provision to assets | 0.2501% | 4,416 |
| Net operating income to assets | 0.1756% | 5,925 |
| Return on assets (ROA) | 1.5834% | 822 |
| Pretax return on assets | 1.5834% | 1,437 |
| Return on Equity (ROE) | 12.3066% | 1,513 |
| Retained earnings to average equity (ytd only) | -11.2744% | 7,181 |
| Net charge-offs to loans | 0.1806% | 4,383 |
| Credit loss provision to net charge-offs | 192.6136% | 2,548 |
| Earnings coverage of net charge-offs (x) | 3.2784% | 4,449 |
| Efficiency ratio | 90.3833% | 1,485 |
| Assets per employee ($millions) | 3.4186% | 4,886 |
| Cash dividends to net income (ytd only)* | 191.6123% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 7,109 |
| Loan loss allowance to noncurrent loans | 498.1366% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 7,116 |
| Noncurrent loans to loans | 0.1607% | 6,926 |
| Net loans and leases to total assets | 70.9094% | 3,809 |
| Net loans and leases to deposits | 91.9153% | 3,146 |
| Net loans and leases to core deposits | 99.4387% | 4,878 |
| Total domestic deposits to total assets | 77.1464% | 5,955 |
| Equity capital to assets | 12.4185% | 2,053 |
| Core capital (leverage) ratio | 11.6882% | 2,134 |
| Tier 1 risk-based capital ratio | 15.3523% | 2,897 |
| Total risk-based capital ratio | 16.1101% | 3,034 |
| Memoranda: | ||
| Average total assets | $135,528,400 | 4,174 |
| Average earning assets | $112,050,800 | 4,468 |
| Average equity | $17,437,800 | 3,658 |
| Average total loans | $97,461,000 | 4,018 |