Home > Madison Valley Bank > Performance and Condition Ratios
Madison Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1613% | 3,699 |
| Cost of funding earning assets | 0.7901% | 3,765 |
| Net interest margin | 3.3712% | 2,468 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.4892% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0017% | 2,219 |
| Return on assets (ROA) | 1.0056% | 2,189 |
| Pretax return on assets | 1.0570% | 2,517 |
| Return on Equity (ROE) | 12.9400% | 1,742 |
| Retained earnings to average equity (ytd only) | 5.1481% | 2,560 |
| Net charge-offs to loans | -0.0586% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.2920% | 1,841 |
| Assets per employee ($millions) | 5.8070% | 2,976 |
| Cash dividends to net income (ytd only)* | 60.2268% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6722% | 712 |
| Loan loss allowance to noncurrent loans | 201.5441% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 1,319 |
| Noncurrent loans to loans | 0.8297% | 927 |
| Net loans and leases to total assets | 49.9300% | 3,596 |
| Net loans and leases to deposits | 56.1362% | 3,703 |
| Net loans and leases to core deposits | 59.8010% | 3,770 |
| Total domestic deposits to total assets | 88.9500% | 1,082 |
| Equity capital to assets | 8.2372% | 3,252 |
| Core capital (leverage) ratio | 8.8115% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3647% | 1,734 |
| Memoranda: | ||
| Average total assets | $263,015,800 | 2,609 |
| Average earning assets | $251,244,400 | 2,569 |
| Average equity | $20,434,800 | 2,825 |
| Average total loans | $139,909,600 | 2,770 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 3,647 |
| Cost of funding earning assets | 0.7471% | 3,656 |
| Net interest margin | 3.3609% | 2,545 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.4374% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0937% | 2,078 |
| Return on assets (ROA) | 1.0993% | 2,042 |
| Pretax return on assets | 1.0993% | 2,566 |
| Return on Equity (ROE) | 14.3600% | 1,569 |
| Retained earnings to average equity (ytd only) | 5.5151% | 2,775 |
| Net charge-offs to loans | -0.1138% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.0466% | 1,895 |
| Assets per employee ($millions) | 5.8251% | 2,903 |
| Cash dividends to net income (ytd only)* | 61.6022% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 753 |
| Loan loss allowance to noncurrent loans | 215.6638% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 1,445 |
| Noncurrent loans to loans | 0.7748% | 1,072 |
| Net loans and leases to total assets | 50.6900% | 3,572 |
| Net loans and leases to deposits | 55.1255% | 3,747 |
| Net loans and leases to core deposits | 56.5677% | 3,832 |
| Total domestic deposits to total assets | 91.9600% | 457 |
| Equity capital to assets | 7.7901% | 3,185 |
| Core capital (leverage) ratio | 8.8512% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2269% | 1,811 |
| Memoranda: | ||
| Average total assets | $263,440,750 | 2,609 |
| Average earning assets | $251,635,000 | 2,564 |
| Average equity | $20,162,250 | 2,835 |
| Average total loans | $141,711,250 | 2,755 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 3,706 |
| Cost of funding earning assets | 0.7018% | 3,484 |
| Net interest margin | 3.2878% | 2,782 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.4170% | 2,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0232% | 2,346 |
| Return on assets (ROA) | 1.0315% | 2,311 |
| Pretax return on assets | 1.0315% | 2,825 |
| Return on Equity (ROE) | 13.5600% | 1,778 |
| Retained earnings to average equity (ytd only) | 4.7120% | 3,021 |
| Net charge-offs to loans | 0.0195% | 1,505 |
| Credit loss provision to net charge-offs | -14.2857% | 4,506 |
| Earnings coverage of net charge-offs (x) | 96.2857% | 962 |
| Efficiency ratio | 70.2887% | 1,740 |
| Assets per employee ($millions) | 5.8579% | 2,837 |
| Cash dividends to net income (ytd only)* | 65.2461% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 1,129 |
| Loan loss allowance to noncurrent loans | 158.3147% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 1,067 |
| Noncurrent loans to loans | 0.9579% | 791 |
| Net loans and leases to total assets | 52.3000% | 3,385 |
| Net loans and leases to deposits | 59.6264% | 3,444 |
| Net loans and leases to core deposits | 60.9936% | 3,578 |
| Total domestic deposits to total assets | 87.7200% | 1,700 |
| Equity capital to assets | 7.6041% | 3,467 |
| Core capital (leverage) ratio | 8.5000% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4778% | 2,104 |
| Memoranda: | ||
| Average total assets | $263,878,000 | 2,613 |
| Average earning assets | $252,208,333 | 2,572 |
| Average equity | $20,076,333 | 2,859 |
| Average total loans | $143,902,000 | 2,734 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9018% | 3,667 |
| Cost of funding earning assets | 0.4640% | 3,798 |
| Net interest margin | 3.4378% | 2,538 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.3665% | 2,620 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2136% | 1,896 |
| Return on assets (ROA) | 1.2302% | 1,825 |
| Pretax return on assets | 1.2302% | 2,353 |
| Return on Equity (ROE) | 16.1700% | 1,322 |
| Retained earnings to average equity (ytd only) | 8.4412% | 2,096 |
| Net charge-offs to loans | 0.0576% | 795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 38.1429% | 1,207 |
| Efficiency ratio | 66.1024% | 2,194 |
| Assets per employee ($millions) | 5.5936% | 3,124 |
| Cash dividends to net income (ytd only)* | 47.7833% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 1,391 |
| Loan loss allowance to noncurrent loans | 472.9911% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,313 |
| Noncurrent loans to loans | 0.3090% | 2,039 |
| Net loans and leases to total assets | 54.3400% | 3,175 |
| Net loans and leases to deposits | 64.3798% | 3,056 |
| Net loans and leases to core deposits | 65.2693% | 3,274 |
| Total domestic deposits to total assets | 84.4000% | 2,998 |
| Equity capital to assets | 7.6190% | 3,498 |
| Core capital (leverage) ratio | 8.3816% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1835% | 2,316 |
| Memoranda: | ||
| Average total assets | $264,013,500 | 2,649 |
| Average earning assets | $252,602,000 | 2,603 |
| Average equity | $20,092,000 | 2,884 |
| Average total loans | $145,855,000 | 2,740 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 2,466 |
| Cost of funding earning assets | 0.1029% | 4,382 |
| Net interest margin | 3.6240% | 1,579 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.2455% | 2,908 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.3432% | 1,300 |
| Return on assets (ROA) | 1.1322% | 1,989 |
| Pretax return on assets | 1.1322% | 2,666 |
| Return on Equity (ROE) | 15.3900% | 1,166 |
| Retained earnings to average equity (ytd only) | 7.0304% | 2,230 |
| Net charge-offs to loans | 0.0041% | 2,301 |
| Credit loss provision to net charge-offs | 9,833.3333% | 71 |
| Earnings coverage of net charge-offs (x) | 701.0000% | 256 |
| Efficiency ratio | 58.9699% | 3,194 |
| Assets per employee ($millions) | 5.7637% | 2,981 |
| Cash dividends to net income (ytd only)* | 54.3307% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,134 |
| Loan loss allowance to noncurrent loans | 521.3559% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 2,748 |
| Noncurrent loans to loans | 0.2010% | 2,484 |
| Net loans and leases to total assets | 54.7600% | 3,138 |
| Net loans and leases to deposits | 60.4896% | 3,301 |
| Net loans and leases to core deposits | 61.1041% | 3,442 |
| Total domestic deposits to total assets | 90.5400% | 1,133 |
| Equity capital to assets | 7.6016% | 3,324 |
| Core capital (leverage) ratio | 8.1673% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8932% | 2,419 |
| Memoranda: | ||
| Average total assets | $269,209,200 | 2,614 |
| Average earning assets | $258,416,000 | 2,556 |
| Average equity | $19,799,800 | 2,967 |
| Average total loans | $145,105,400 | 2,681 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 2,278 |
| Cost of funding earning assets | 0.0956% | 4,315 |
| Net interest margin | 3.5268% | 1,586 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.1014% | 3,205 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.4866% | 877 |
| Return on assets (ROA) | 1.2064% | 1,651 |
| Pretax return on assets | 1.2064% | 2,344 |
| Return on Equity (ROE) | 16.5400% | 886 |
| Retained earnings to average equity (ytd only) | 9.2940% | 1,555 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.4555% | 3,572 |
| Assets per employee ($millions) | 6.0518% | 2,716 |
| Cash dividends to net income (ytd only)* | 43.8037% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8265% | 4,029 |
| Loan loss allowance to noncurrent loans | 192.6217% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 2,109 |
| Noncurrent loans to loans | 0.4291% | 1,740 |
| Net loans and leases to total assets | 51.7600% | 3,303 |
| Net loans and leases to deposits | 55.8212% | 3,494 |
| Net loans and leases to core deposits | 56.6658% | 3,583 |
| Total domestic deposits to total assets | 92.7300% | 652 |
| Equity capital to assets | 7.0831% | 3,468 |
| Core capital (leverage) ratio | 8.0414% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3706% | 2,699 |
| Memoranda: | ||
| Average total assets | $270,229,000 | 2,624 |
| Average earning assets | $259,527,250 | 2,576 |
| Average equity | $19,711,250 | 3,017 |
| Average total loans | $144,697,750 | 2,689 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5103% | 2,110 |
| Cost of funding earning assets | 0.0941% | 4,254 |
| Net interest margin | 3.4162% | 1,551 |
| Noninterest income to average assets | 0.3330% | 3,163 |
| Noninterest expense to average assets | 1.9594% | 3,552 |
| Loan and lease loss provision to assets | 0.0881% | 1,119 |
| Net operating income to assets | 1.5676% | 592 |
| Return on assets (ROA) | 1.1398% | 1,612 |
| Pretax return on assets | 1.1398% | 2,271 |
| Return on Equity (ROE) | 15.4656% | 802 |
| Retained earnings to average equity (ytd only) | 8.4739% | 1,451 |
| Net charge-offs to loans | 0.0028% | 1,978 |
| Credit loss provision to net charge-offs | 5,850.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 1,099.0000% | 115 |
| Efficiency ratio | 54.1988% | 3,947 |
| Assets per employee ($millions) | 6.0503% | 2,699 |
| Cash dividends to net income (ytd only)* | 45.2082% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7579% | 4,243 |
| Loan loss allowance to noncurrent loans | 266.8329% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 2,663 |
| Noncurrent loans to loans | 0.2841% | 2,328 |
| Net loans and leases to total assets | 52.6282% | 3,100 |
| Net loans and leases to deposits | 56.8958% | 3,309 |
| Net loans and leases to core deposits | 57.7022% | 3,445 |
| Total domestic deposits to total assets | 92.4992% | 652 |
| Equity capital to assets | 7.3524% | 3,562 |
| Core capital (leverage) ratio | 8.2390% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7300% | 2,595 |
| Memoranda: | ||
| Average total assets | $265,493,333 | 2,676 |
| Average earning assets | $255,079,667 | 2,636 |
| Average equity | $19,566,000 | 3,102 |
| Average total loans | $143,446,333 | 2,714 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 2,202 |
| Cost of funding earning assets | 0.0925% | 4,234 |
| Net interest margin | 3.2695% | 1,656 |
| Noninterest income to average assets | 0.3259% | 3,150 |
| Noninterest expense to average assets | 1.6097% | 4,280 |
| Loan and lease loss provision to assets | 0.0785% | 1,050 |
| Net operating income to assets | 1.7832% | 341 |
| Return on assets (ROA) | 0.9263% | 2,169 |
| Pretax return on assets | 0.9263% | 2,676 |
| Return on Equity (ROE) | 12.5546% | 1,140 |
| Retained earnings to average equity (ytd only) | 12.5546% | 518 |
| Net charge-offs to loans | 0.0028% | 1,690 |
| Credit loss provision to net charge-offs | 5,200.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 1,234.0000% | 68 |
| Efficiency ratio | 46.3711% | 4,478 |
| Assets per employee ($millions) | 5.8407% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6862% | 4,413 |
| Loan loss allowance to noncurrent loans | 147.6471% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 2,111 |
| Noncurrent loans to loans | 0.4648% | 1,862 |
| Net loans and leases to total assets | 55.2847% | 2,602 |
| Net loans and leases to deposits | 59.7345% | 2,926 |
| Net loans and leases to core deposits | 60.5866% | 3,097 |
| Total domestic deposits to total assets | 92.5508% | 392 |
| Equity capital to assets | 7.3142% | 4,041 |
| Core capital (leverage) ratio | 8.1516% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3700% | 2,812 |
| Memoranda: | ||
| Average total assets | $265,134,500 | 2,692 |
| Average earning assets | $255,086,500 | 2,653 |
| Average equity | $19,562,500 | 3,180 |
| Average total loans | $144,583,500 | 2,693 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 1,544 |
| Cost of funding earning assets | 0.1441% | 4,027 |
| Net interest margin | 3.7845% | 1,042 |
| Noninterest income to average assets | 0.3709% | 3,214 |
| Noninterest expense to average assets | 2.4277% | 2,403 |
| Loan and lease loss provision to assets | -0.3444% | 4,791 |
| Net operating income to assets | 1.9177% | 395 |
| Return on assets (ROA) | 2.1820% | 266 |
| Pretax return on assets | 2.1820% | 431 |
| Return on Equity (ROE) | 28.4522% | 82 |
| Retained earnings to average equity (ytd only) | 17.9191% | 92 |
| Net charge-offs to loans | 0.0035% | 2,485 |
| Credit loss provision to net charge-offs | -17,440.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | 796.6000% | 189 |
| Efficiency ratio | 60.6773% | 3,050 |
| Assets per employee ($millions) | 6.0781% | 2,688 |
| Cash dividends to net income (ytd only)* | 37.0203% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6678% | 4,474 |
| Loan loss allowance to noncurrent loans | 161.1486% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,453 |
| Noncurrent loans to loans | 0.4144% | 2,114 |
| Net loans and leases to total assets | 53.0603% | 2,956 |
| Net loans and leases to deposits | 57.4629% | 3,300 |
| Net loans and leases to core deposits | 58.2687% | 3,449 |
| Total domestic deposits to total assets | 92.3384% | 112 |
| Equity capital to assets | 7.4414% | 4,613 |
| Core capital (leverage) ratio | 7.7000% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7538% | 2,713 |
| Memoranda: | ||
| Average total assets | $253,161,600 | 2,702 |
| Average earning assets | $242,831,400 | 2,664 |
| Average equity | $19,415,000 | 3,262 |
| Average total loans | $141,105,200 | 2,714 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 1,512 |
| Cost of funding earning assets | 0.1438% | 4,164 |
| Net interest margin | 3.8661% | 994 |
| Noninterest income to average assets | 0.3958% | 3,114 |
| Noninterest expense to average assets | 2.2334% | 2,958 |
| Loan and lease loss provision to assets | -0.4808% | 4,880 |
| Net operating income to assets | 2.3483% | 258 |
| Return on assets (ROA) | 2.7078% | 171 |
| Pretax return on assets | 2.7078% | 249 |
| Return on Equity (ROE) | 35.0299% | 59 |
| Retained earnings to average equity (ytd only) | 25.7351% | 48 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4614% | 3,732 |
| Assets per employee ($millions) | 5.7112% | 2,977 |
| Cash dividends to net income (ytd only)* | 26.5338% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 4,581 |
| Loan loss allowance to noncurrent loans | 341.0256% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 3,435 |
| Noncurrent loans to loans | 0.1887% | 3,195 |
| Net loans and leases to total assets | 52.4398% | 3,149 |
| Net loans and leases to deposits | 56.8149% | 3,502 |
| Net loans and leases to core deposits | 57.9534% | 3,633 |
| Total domestic deposits to total assets | 92.2995% | 79 |
| Equity capital to assets | 7.4988% | 4,706 |
| Core capital (leverage) ratio | 8.0744% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0574% | 2,688 |
| Memoranda: | ||
| Average total assets | $249,592,750 | 2,748 |
| Average earning assets | $239,202,500 | 2,709 |
| Average equity | $19,293,500 | 3,316 |
| Average total loans | $140,667,250 | 2,758 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 901 |
| Cost of funding earning assets | 0.1420% | 4,267 |
| Net interest margin | 4.2219% | 560 |
| Noninterest income to average assets | 0.4383% | 2,914 |
| Noninterest expense to average assets | 2.3537% | 2,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1233% | 385 |
| Return on assets (ROA) | 2.6693% | 187 |
| Pretax return on assets | 2.6693% | 270 |
| Return on Equity (ROE) | 34.1452% | 69 |
| Retained earnings to average equity (ytd only) | 24.7134% | 75 |
| Net charge-offs to loans | -0.0043% | 3,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5722% | 3,979 |
| Assets per employee ($millions) | 5.0647% | 3,603 |
| Cash dividends to net income (ytd only)* | 27.6226% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,601 |
| Loan loss allowance to noncurrent loans | 442.9952% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 3,169 |
| Noncurrent loans to loans | 0.2859% | 2,903 |
| Net loans and leases to total assets | 56.4643% | 2,844 |
| Net loans and leases to deposits | 61.2828% | 3,273 |
| Net loans and leases to core deposits | 62.7083% | 3,400 |
| Total domestic deposits to total assets | 92.1374% | 102 |
| Equity capital to assets | 7.7070% | 4,675 |
| Core capital (leverage) ratio | 8.1528% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2310% | 2,275 |
| Memoranda: | ||
| Average total assets | $241,411,333 | 2,801 |
| Average earning assets | $230,938,667 | 2,756 |
| Average equity | $18,872,333 | 3,347 |
| Average total loans | $139,327,000 | 2,787 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 611 |
| Cost of funding earning assets | 0.1492% | 4,309 |
| Net interest margin | 4.4939% | 361 |
| Noninterest income to average assets | 0.3040% | 3,594 |
| Noninterest expense to average assets | 2.2403% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3609% | 337 |
| Return on assets (ROA) | 3.4803% | 119 |
| Pretax return on assets | 3.4803% | 149 |
| Return on Equity (ROE) | 44.1833% | 47 |
| Retained earnings to average equity (ytd only) | 37.1752% | 44 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6896% | 4,286 |
| Assets per employee ($millions) | 5.0136% | 3,641 |
| Cash dividends to net income (ytd only)* | 15.8614% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 2,432 |
| Loan loss allowance to noncurrent loans | 373.6735% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 3,134 |
| Noncurrent loans to loans | 0.3482% | 2,842 |
| Net loans and leases to total assets | 57.7119% | 2,831 |
| Net loans and leases to deposits | 62.7039% | 3,254 |
| Net loans and leases to core deposits | 64.0683% | 3,408 |
| Total domestic deposits to total assets | 92.0388% | 132 |
| Equity capital to assets | 7.8212% | 4,584 |
| Core capital (leverage) ratio | 8.3620% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,499,000 | 2,822 |
| Average earning assets | $225,195,500 | 2,778 |
| Average equity | $18,550,000 | 3,367 |
| Average total loans | $136,579,500 | 2,822 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 1,390 |
| Cost of funding earning assets | 0.2469% | 4,394 |
| Net interest margin | 4.2214% | 606 |
| Noninterest income to average assets | 0.3516% | 3,359 |
| Noninterest expense to average assets | 2.8584% | 1,792 |
| Loan and lease loss provision to assets | 0.2451% | 1,580 |
| Net operating income to assets | 1.2641% | 1,351 |
| Return on assets (ROA) | 1.5919% | 707 |
| Pretax return on assets | 1.5919% | 1,091 |
| Return on Equity (ROE) | 18.5135% | 303 |
| Retained earnings to average equity (ytd only) | 8.8259% | 813 |
| Net charge-offs to loans | 0.0224% | 2,602 |
| Credit loss provision to net charge-offs | 1,807.1429% | 474 |
| Earnings coverage of net charge-offs (x) | 111.2857% | 742 |
| Efficiency ratio | 65.4469% | 2,613 |
| Assets per employee ($millions) | 4.7988% | 3,608 |
| Cash dividends to net income (ytd only)* | 52.3274% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 2,039 |
| Loan loss allowance to noncurrent loans | 250.1366% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 2,723 |
| Noncurrent loans to loans | 0.5527% | 2,329 |
| Net loans and leases to total assets | 56.7026% | 3,230 |
| Net loans and leases to deposits | 61.7336% | 3,622 |
| Net loans and leases to core deposits | 63.3278% | 3,746 |
| Total domestic deposits to total assets | 91.8504% | 82 |
| Equity capital to assets | 7.9351% | 4,732 |
| Core capital (leverage) ratio | 7.3879% | 4,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,477,400 | 2,891 |
| Average earning assets | $196,425,600 | 2,863 |
| Average equity | $17,754,600 | 3,393 |
| Average total loans | $125,023,800 | 2,921 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 1,093 |
| Cost of funding earning assets | 0.2518% | 4,504 |
| Net interest margin | 4.4353% | 443 |
| Noninterest income to average assets | 0.3591% | 3,314 |
| Noninterest expense to average assets | 2.7901% | 1,993 |
| Loan and lease loss provision to assets | 0.3167% | 1,252 |
| Net operating income to assets | 1.4695% | 962 |
| Return on assets (ROA) | 1.9197% | 389 |
| Pretax return on assets | 1.9197% | 607 |
| Return on Equity (ROE) | 21.8412% | 180 |
| Retained earnings to average equity (ytd only) | 15.8267% | 167 |
| Net charge-offs to loans | 0.0032% | 3,054 |
| Credit loss provision to net charge-offs | 15,866.6667% | 86 |
| Earnings coverage of net charge-offs (x) | 895.3333% | 130 |
| Efficiency ratio | 60.9706% | 3,219 |
| Assets per employee ($millions) | 4.8920% | 3,383 |
| Cash dividends to net income (ytd only)* | 27.5372% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,004 |
| Loan loss allowance to noncurrent loans | 190.8046% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 2,582 |
| Noncurrent loans to loans | 0.7024% | 2,035 |
| Net loans and leases to total assets | 56.0751% | 3,617 |
| Net loans and leases to deposits | 61.0031% | 3,993 |
| Net loans and leases to core deposits | 62.1689% | 4,095 |
| Total domestic deposits to total assets | 91.9218% | 60 |
| Equity capital to assets | 7.8129% | 4,775 |
| Core capital (leverage) ratio | 8.3507% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,510,750 | 2,915 |
| Average earning assets | $190,646,000 | 2,887 |
| Average equity | $17,623,750 | 3,403 |
| Average total loans | $123,169,250 | 2,955 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 654 |
| Cost of funding earning assets | 0.2724% | 4,560 |
| Net interest margin | 4.8563% | 260 |
| Noninterest income to average assets | 0.3660% | 3,287 |
| Noninterest expense to average assets | 2.9107% | 1,795 |
| Loan and lease loss provision to assets | 0.3233% | 1,322 |
| Net operating income to assets | 1.7360% | 576 |
| Return on assets (ROA) | 1.7797% | 574 |
| Pretax return on assets | 1.7797% | 843 |
| Return on Equity (ROE) | 19.3328% | 276 |
| Retained earnings to average equity (ytd only) | 13.1899% | 337 |
| Net charge-offs to loans | 0.0051% | 2,787 |
| Credit loss provision to net charge-offs | 10,100.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 643.3333% | 157 |
| Efficiency ratio | 58.5659% | 3,615 |
| Assets per employee ($millions) | 4.1203% | 4,184 |
| Cash dividends to net income (ytd only)* | 31.7746% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 2,243 |
| Loan loss allowance to noncurrent loans | 410.1737% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 3,538 |
| Noncurrent loans to loans | 0.3055% | 3,291 |
| Net loans and leases to total assets | 64.5220% | 2,815 |
| Net loans and leases to deposits | 71.2112% | 3,332 |
| Net loans and leases to core deposits | 72.9531% | 3,524 |
| Total domestic deposits to total assets | 90.6066% | 251 |
| Equity capital to assets | 9.2191% | 3,909 |
| Core capital (leverage) ratio | 9.0242% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,445,333 | 3,018 |
| Average earning assets | $177,707,333 | 2,978 |
| Average equity | $17,255,667 | 3,440 |
| Average total loans | $118,811,667 | 2,997 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 2,238 |
| Cost of funding earning assets | 0.2973% | 4,667 |
| Net interest margin | 4.2284% | 867 |
| Noninterest income to average assets | 0.3884% | 3,179 |
| Noninterest expense to average assets | 3.0274% | 1,818 |
| Loan and lease loss provision to assets | 0.1509% | 1,887 |
| Net operating income to assets | 1.2185% | 1,456 |
| Return on assets (ROA) | 1.2185% | 1,568 |
| Pretax return on assets | 1.2185% | 2,130 |
| Return on Equity (ROE) | 13.2473% | 839 |
| Retained earnings to average equity (ytd only) | 6.8529% | 1,595 |
| Net charge-offs to loans | 0.0143% | 2,093 |
| Credit loss provision to net charge-offs | 1,700.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 154.2500% | 422 |
| Efficiency ratio | 68.8541% | 2,527 |
| Assets per employee ($millions) | 3.8033% | 4,165 |
| Cash dividends to net income (ytd only)* | 48.2696% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,500 |
| Loan loss allowance to noncurrent loans | 352.4876% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 3,569 |
| Noncurrent loans to loans | 0.3496% | 3,234 |
| Net loans and leases to total assets | 63.5266% | 3,123 |
| Net loans and leases to deposits | 70.3340% | 3,562 |
| Net loans and leases to core deposits | 72.2777% | 3,743 |
| Total domestic deposits to total assets | 90.3214% | 234 |
| Equity capital to assets | 9.5248% | 4,197 |
| Core capital (leverage) ratio | 9.2430% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,219,500 | 3,043 |
| Average earning assets | $170,844,500 | 3,013 |
| Average equity | $16,577,000 | 3,509 |
| Average total loans | $112,257,000 | 3,050 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 3,192 |
| Cost of funding earning assets | 0.2820% | 4,768 |
| Net interest margin | 4.1370% | 1,458 |
| Noninterest income to average assets | 0.4076% | 3,250 |
| Noninterest expense to average assets | 3.0029% | 2,008 |
| Loan and lease loss provision to assets | 0.1109% | 1,880 |
| Net operating income to assets | 1.2071% | 2,030 |
| Return on assets (ROA) | 1.2181% | 2,078 |
| Pretax return on assets | 1.2181% | 2,777 |
| Return on Equity (ROE) | 14.1467% | 873 |
| Retained earnings to average equity (ytd only) | 5.7548% | 1,999 |
| Net charge-offs to loans | -0.0593% | 4,852 |
| Credit loss provision to net charge-offs | -321.6667% | 4,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4958% | 2,246 |
| Assets per employee ($millions) | 3.9497% | 3,974 |
| Cash dividends to net income (ytd only)* | 59.3204% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,261 |
| Loan loss allowance to noncurrent loans | 322.9117% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 3,518 |
| Noncurrent loans to loans | 0.3825% | 3,067 |
| Net loans and leases to total assets | 59.5468% | 3,627 |
| Net loans and leases to deposits | 65.4877% | 3,982 |
| Net loans and leases to core deposits | 67.1443% | 4,129 |
| Total domestic deposits to total assets | 90.9282% | 126 |
| Equity capital to assets | 8.8770% | 4,750 |
| Core capital (leverage) ratio | 8.9855% | 4,540 |
| Tier 1 risk-based capital ratio | 13.9870% | 3,282 |
| Total risk-based capital ratio | 15.1566% | 3,221 |
| Memoranda: | ||
| Average total assets | $173,965,400 | 3,072 |
| Average earning assets | $164,562,000 | 3,044 |
| Average equity | $14,978,800 | 3,641 |
| Average total loans | $101,108,000 | 3,210 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 3,425 |
| Cost of funding earning assets | 0.2650% | 4,888 |
| Net interest margin | 4.1147% | 1,578 |
| Noninterest income to average assets | 0.4255% | 3,173 |
| Noninterest expense to average assets | 2.9683% | 2,058 |
| Loan and lease loss provision to assets | 0.0938% | 2,035 |
| Net operating income to assets | 1.2509% | 2,015 |
| Return on assets (ROA) | 1.2656% | 2,041 |
| Pretax return on assets | 1.2656% | 2,765 |
| Return on Equity (ROE) | 14.8200% | 817 |
| Retained earnings to average equity (ytd only) | 5.6812% | 2,518 |
| Net charge-offs to loans | -0.0848% | 4,964 |
| Credit loss provision to net charge-offs | -192.0635% | 4,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8230% | 2,284 |
| Assets per employee ($millions) | 3.9016% | 4,027 |
| Cash dividends to net income (ytd only)* | 61.6655% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,460 |
| Loan loss allowance to noncurrent loans | 194.5455% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 3,063 |
| Noncurrent loans to loans | 0.6216% | 2,419 |
| Net loans and leases to total assets | 57.2056% | 3,950 |
| Net loans and leases to deposits | 62.7532% | 4,251 |
| Net loans and leases to core deposits | 63.9027% | 4,374 |
| Total domestic deposits to total assets | 91.1597% | 83 |
| Equity capital to assets | 8.6249% | 4,955 |
| Core capital (leverage) ratio | 9.0499% | 4,600 |
| Tier 1 risk-based capital ratio | 14.1864% | 3,231 |
| Total risk-based capital ratio | 15.3290% | 3,196 |
| Memoranda: | ||
| Average total assets | $172,035,750 | 3,123 |
| Average earning assets | $162,534,000 | 3,094 |
| Average equity | $14,691,500 | 3,696 |
| Average total loans | $99,000,000 | 3,282 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 3,674 |
| Cost of funding earning assets | 0.2635% | 4,919 |
| Net interest margin | 4.0216% | 1,852 |
| Noninterest income to average assets | 0.4125% | 3,189 |
| Noninterest expense to average assets | 2.9182% | 2,233 |
| Loan and lease loss provision to assets | 0.0618% | 2,584 |
| Net operating income to assets | 1.2243% | 2,057 |
| Return on assets (ROA) | 1.2469% | 2,028 |
| Pretax return on assets | 1.2469% | 2,758 |
| Return on Equity (ROE) | 14.6542% | 839 |
| Retained earnings to average equity (ytd only) | 5.4063% | 2,573 |
| Net charge-offs to loans | -0.1449% | 5,075 |
| Credit loss provision to net charge-offs | -74.2857% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4091% | 2,316 |
| Assets per employee ($millions) | 3.9036% | 3,996 |
| Cash dividends to net income (ytd only)* | 63.1077% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,450 |
| Loan loss allowance to noncurrent loans | 237.7432% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 3,349 |
| Noncurrent loans to loans | 0.5106% | 2,748 |
| Net loans and leases to total assets | 57.9012% | 3,924 |
| Net loans and leases to deposits | 63.7623% | 4,237 |
| Net loans and leases to core deposits | 65.2662% | 4,346 |
| Total domestic deposits to total assets | 90.8080% | 129 |
| Equity capital to assets | 9.0261% | 4,781 |
| Core capital (leverage) ratio | 9.4165% | 4,227 |
| Tier 1 risk-based capital ratio | 14.1784% | 3,231 |
| Total risk-based capital ratio | 15.2817% | 3,215 |
| Memoranda: | ||
| Average total assets | $168,255,330 | 3,174 |
| Average earning assets | $158,643,670 | 3,143 |
| Average equity | $14,316,670 | 3,746 |
| Average total loans | $96,604,670 | 3,329 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 3,661 |
| Cost of funding earning assets | 0.2543% | 4,969 |
| Net interest margin | 4.0108% | 1,824 |
| Noninterest income to average assets | 0.3652% | 3,412 |
| Noninterest expense to average assets | 2.8492% | 2,419 |
| Loan and lease loss provision to assets | 0.0480% | 2,687 |
| Net operating income to assets | 1.2564% | 1,861 |
| Return on assets (ROA) | 1.3021% | 1,727 |
| Pretax return on assets | 1.3021% | 2,446 |
| Return on Equity (ROE) | 15.7977% | 615 |
| Retained earnings to average equity (ytd only) | 6.5581% | 2,223 |
| Net charge-offs to loans | 0.1100% | 1,078 |
| Credit loss provision to net charge-offs | 76.9231% | 1,802 |
| Earnings coverage of net charge-offs (x) | 20.8846% | 1,542 |
| Efficiency ratio | 68.5946% | 2,551 |
| Assets per employee ($millions) | 3.9411% | 4,006 |
| Cash dividends to net income (ytd only)* | 58.4871% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 2,883 |
| Loan loss allowance to noncurrent loans | 212.0155% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 3,357 |
| Noncurrent loans to loans | 0.5403% | 2,690 |
| Net loans and leases to total assets | 57.0343% | 3,986 |
| Net loans and leases to deposits | 62.5189% | 4,270 |
| Net loans and leases to core deposits | 64.0362% | 4,376 |
| Total domestic deposits to total assets | 91.2273% | 128 |
| Equity capital to assets | 8.6398% | 4,905 |
| Core capital (leverage) ratio | 9.4308% | 4,229 |
| Tier 1 risk-based capital ratio | 14.6740% | 3,022 |
| Total risk-based capital ratio | 15.7069% | 3,047 |
| Memoranda: | ||
| Average total assets | $166,504,000 | 3,223 |
| Average earning assets | $157,276,500 | 3,192 |
| Average equity | $13,723,500 | 3,839 |
| Average total loans | $94,571,000 | 3,400 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 2,868 |
| Cost of funding earning assets | 0.2142% | 4,949 |
| Net interest margin | 4.1541% | 1,519 |
| Noninterest income to average assets | 0.4598% | 3,047 |
| Noninterest expense to average assets | 2.8592% | 2,487 |
| Loan and lease loss provision to assets | 0.1184% | 1,859 |
| Net operating income to assets | 1.3890% | 1,466 |
| Return on assets (ROA) | 1.3890% | 1,464 |
| Pretax return on assets | 1.3890% | 2,175 |
| Return on Equity (ROE) | 17.9538% | 391 |
| Retained earnings to average equity (ytd only) | 7.0553% | 1,649 |
| Net charge-offs to loans | -0.0551% | 5,004 |
| Credit loss provision to net charge-offs | -404.1667% | 4,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4782% | 2,954 |
| Assets per employee ($millions) | 4.0850% | 3,767 |
| Cash dividends to net income (ytd only)* | 60.7033% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 2,695 |
| Loan loss allowance to noncurrent loans | 187.0748% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 3,145 |
| Noncurrent loans to loans | 0.6279% | 2,409 |
| Net loans and leases to total assets | 55.2546% | 4,187 |
| Net loans and leases to deposits | 60.0782% | 4,470 |
| Net loans and leases to core deposits | 61.3662% | 4,569 |
| Total domestic deposits to total assets | 91.9711% | 74 |
| Equity capital to assets | 7.8492% | 5,211 |
| Core capital (leverage) ratio | 8.9833% | 4,669 |
| Tier 1 risk-based capital ratio | 14.1476% | 3,219 |
| Total risk-based capital ratio | 15.1636% | 3,252 |
| Memoranda: | ||
| Average total assets | $163,784,400 | 3,228 |
| Average earning assets | $154,042,400 | 3,191 |
| Average equity | $12,671,400 | 3,935 |
| Average total loans | $87,156,000 | 3,531 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,841 |
| Cost of funding earning assets | 0.2083% | 4,990 |
| Net interest margin | 4.1243% | 1,560 |
| Noninterest income to average assets | 0.4675% | 3,059 |
| Noninterest expense to average assets | 2.8089% | 2,606 |
| Loan and lease loss provision to assets | 0.1064% | 1,880 |
| Net operating income to assets | 1.4253% | 1,398 |
| Return on assets (ROA) | 1.4253% | 1,398 |
| Pretax return on assets | 1.4253% | 2,134 |
| Return on Equity (ROE) | 18.4922% | 380 |
| Retained earnings to average equity (ytd only) | 8.3911% | 1,476 |
| Net charge-offs to loans | -0.0312% | 4,769 |
| Credit loss provision to net charge-offs | -650.0000% | 4,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7114% | 3,068 |
| Assets per employee ($millions) | 4.4446% | 3,208 |
| Cash dividends to net income (ytd only)* | 54.6237% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,176 |
| Loan loss allowance to noncurrent loans | 297.3451% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 3,940 |
| Noncurrent loans to loans | 0.3709% | 3,317 |
| Net loans and leases to total assets | 53.5155% | 4,393 |
| Net loans and leases to deposits | 57.8810% | 4,650 |
| Net loans and leases to core deposits | 58.9958% | 4,741 |
| Total domestic deposits to total assets | 92.4579% | 55 |
| Equity capital to assets | 7.2999% | 5,344 |
| Core capital (leverage) ratio | 8.9516% | 4,745 |
| Tier 1 risk-based capital ratio | 14.3435% | 3,191 |
| Total risk-based capital ratio | 15.2939% | 3,257 |
| Memoranda: | ||
| Average total assets | $162,859,750 | 3,273 |
| Average earning assets | $152,944,750 | 3,241 |
| Average equity | $12,552,750 | 3,979 |
| Average total loans | $85,534,500 | 3,589 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2112% | 3,082 |
| Cost of funding earning assets | 0.2118% | 4,967 |
| Net interest margin | 3.9994% | 1,868 |
| Noninterest income to average assets | 0.4489% | 3,160 |
| Noninterest expense to average assets | 2.8424% | 2,523 |
| Loan and lease loss provision to assets | 0.0734% | 2,418 |
| Net operating income to assets | 1.2907% | 1,806 |
| Return on assets (ROA) | 1.2907% | 1,802 |
| Pretax return on assets | 1.2907% | 2,553 |
| Return on Equity (ROE) | 16.4405% | 592 |
| Retained earnings to average equity (ytd only) | 7.2066% | 1,973 |
| Net charge-offs to loans | -0.4881% | 5,435 |
| Credit loss provision to net charge-offs | -28.9216% | 3,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5732% | 2,713 |
| Assets per employee ($millions) | 3.7889% | 4,226 |
| Cash dividends to net income (ytd only)* | 56.1657% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,175 |
| Loan loss allowance to noncurrent loans | 104.3762% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 2,261 |
| Noncurrent loans to loans | 1.2447% | 1,389 |
| Net loans and leases to total assets | 52.2747% | 4,462 |
| Net loans and leases to deposits | 56.6858% | 4,716 |
| Net loans and leases to core deposits | 57.8172% | 4,798 |
| Total domestic deposits to total assets | 92.2184% | 70 |
| Equity capital to assets | 7.5975% | 5,344 |
| Core capital (leverage) ratio | 9.1769% | 4,492 |
| Tier 1 risk-based capital ratio | 15.4231% | 2,675 |
| Total risk-based capital ratio | 16.5851% | 2,647 |
| Memoranda: | ||
| Average total assets | $160,848,670 | 3,313 |
| Average earning assets | $151,121,330 | 3,280 |
| Average equity | $12,627,330 | 3,992 |
| Average total loans | $83,582,000 | 3,650 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1031% | 3,225 |
| Cost of funding earning assets | 0.2085% | 4,963 |
| Net interest margin | 3.8946% | 2,064 |
| Noninterest income to average assets | 0.4380% | 3,193 |
| Noninterest expense to average assets | 2.9034% | 2,355 |
| Loan and lease loss provision to assets | 0.0626% | 2,525 |
| Net operating income to assets | 1.1188% | 2,340 |
| Return on assets (ROA) | 1.1188% | 2,358 |
| Pretax return on assets | 1.1188% | 3,103 |
| Return on Equity (ROE) | 14.0213% | 1,012 |
| Retained earnings to average equity (ytd only) | 5.9285% | 2,742 |
| Net charge-offs to loans | -0.3600% | 5,471 |
| Credit loss provision to net charge-offs | -33.7838% | 3,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0784% | 2,319 |
| Assets per employee ($millions) | 4.1564% | 3,718 |
| Cash dividends to net income (ytd only)* | 57.7181% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 3,073 |
| Loan loss allowance to noncurrent loans | 103.2362% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 2,564 |
| Noncurrent loans to loans | 1.1178% | 1,640 |
| Net loans and leases to total assets | 51.9016% | 4,445 |
| Net loans and leases to deposits | 56.3847% | 4,672 |
| Net loans and leases to core deposits | 57.5420% | 4,772 |
| Total domestic deposits to total assets | 92.0491% | 101 |
| Equity capital to assets | 7.7939% | 5,333 |
| Core capital (leverage) ratio | 9.1284% | 4,534 |
| Tier 1 risk-based capital ratio | 15.5639% | 2,640 |
| Total risk-based capital ratio | 16.5832% | 2,666 |
| Memoranda: | ||
| Average total assets | $159,812,000 | 3,355 |
| Average earning assets | $149,642,500 | 3,333 |
| Average equity | $12,752,000 | 4,003 |
| Average total loans | $82,229,000 | 3,709 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 3,078 |
| Cost of funding earning assets | 0.2095% | 4,870 |
| Net interest margin | 3.8849% | 2,137 |
| Noninterest income to average assets | 0.4561% | 3,269 |
| Noninterest expense to average assets | 2.8841% | 2,508 |
| Loan and lease loss provision to assets | 0.0874% | 2,441 |
| Net operating income to assets | 1.1143% | 1,812 |
| Return on assets (ROA) | 1.1257% | 1,796 |
| Pretax return on assets | 1.1257% | 3,081 |
| Return on Equity (ROE) | 13.3663% | 871 |
| Retained earnings to average equity (ytd only) | 4.8140% | 2,247 |
| Net charge-offs to loans | 0.2855% | 925 |
| Credit loss provision to net charge-offs | 58.4746% | 3,232 |
| Earnings coverage of net charge-offs (x) | 8.0381% | 2,963 |
| Efficiency ratio | 70.5891% | 2,458 |
| Assets per employee ($millions) | 4.1456% | 3,749 |
| Cash dividends to net income (ytd only)* | 63.9842% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,614 |
| Loan loss allowance to noncurrent loans | 95.3333% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 2,549 |
| Noncurrent loans to loans | 1.1040% | 1,606 |
| Net loans and leases to total assets | 49.8933% | 4,652 |
| Net loans and leases to deposits | 54.4378% | 4,874 |
| Net loans and leases to core deposits | 55.7408% | 4,944 |
| Total domestic deposits to total assets | 91.6520% | 115 |
| Equity capital to assets | 8.1606% | 5,325 |
| Core capital (leverage) ratio | 8.6226% | 5,021 |
| Tier 1 risk-based capital ratio | 15.5138% | 2,621 |
| Total risk-based capital ratio | 16.4367% | 2,687 |
| Memoranda: | ||
| Average total assets | $157,863,000 | 3,381 |
| Average earning assets | $147,493,000 | 3,355 |
| Average equity | $13,294,600 | 3,946 |
| Average total loans | $82,675,000 | 3,684 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 3,052 |
| Cost of funding earning assets | 0.2066% | 4,920 |
| Net interest margin | 3.8735% | 2,129 |
| Noninterest income to average assets | 0.4623% | 3,262 |
| Noninterest expense to average assets | 2.8432% | 2,585 |
| Loan and lease loss provision to assets | 0.0935% | 2,214 |
| Net operating income to assets | 1.1412% | 1,911 |
| Return on assets (ROA) | 1.1573% | 1,896 |
| Pretax return on assets | 1.1573% | 3,083 |
| Return on Equity (ROE) | 13.6335% | 903 |
| Retained earnings to average equity (ytd only) | 4.7547% | 3,047 |
| Net charge-offs to loans | 0.3953% | 539 |
| Credit loss provision to net charge-offs | 44.7154% | 2,968 |
| Earnings coverage of net charge-offs (x) | 5.9065% | 3,048 |
| Efficiency ratio | 69.7229% | 2,581 |
| Assets per employee ($millions) | 4.2493% | 3,567 |
| Cash dividends to net income (ytd only)* | 65.1251% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 4,163 |
| Loan loss allowance to noncurrent loans | 89.0337% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 2,707 |
| Noncurrent loans to loans | 1.1048% | 1,741 |
| Net loans and leases to total assets | 48.5633% | 4,794 |
| Net loans and leases to deposits | 52.9268% | 5,008 |
| Net loans and leases to core deposits | 54.1301% | 5,069 |
| Total domestic deposits to total assets | 91.7556% | 79 |
| Equity capital to assets | 8.0444% | 5,506 |
| Core capital (leverage) ratio | 8.7027% | 5,061 |
| Tier 1 risk-based capital ratio | 15.2495% | 2,814 |
| Total risk-based capital ratio | 16.1265% | 2,901 |
| Memoranda: | ||
| Average total assets | $156,909,000 | 3,416 |
| Average earning assets | $146,460,500 | 3,392 |
| Average equity | $13,319,750 | 3,981 |
| Average total loans | $82,962,500 | 3,703 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1313% | 2,730 |
| Cost of funding earning assets | 0.2082% | 4,903 |
| Net interest margin | 3.9231% | 1,856 |
| Noninterest income to average assets | 0.4575% | 3,306 |
| Noninterest expense to average assets | 2.8567% | 2,558 |
| Loan and lease loss provision to assets | 0.1088% | 1,874 |
| Net operating income to assets | 1.1484% | 1,782 |
| Return on assets (ROA) | 1.1602% | 1,780 |
| Pretax return on assets | 1.1602% | 2,934 |
| Return on Equity (ROE) | 13.4071% | 946 |
| Retained earnings to average equity (ytd only) | 3.7570% | 3,454 |
| Net charge-offs to loans | 0.5360% | 362 |
| Credit loss provision to net charge-offs | 37.3874% | 2,665 |
| Earnings coverage of net charge-offs (x) | 4.3198% | 2,946 |
| Efficiency ratio | 69.4391% | 2,778 |
| Assets per employee ($millions) | 4.0103% | 3,937 |
| Cash dividends to net income (ytd only)* | 71.9774% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 4,201 |
| Loan loss allowance to noncurrent loans | 82.8600% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 2,619 |
| Noncurrent loans to loans | 1.1965% | 1,629 |
| Net loans and leases to total assets | 52.1672% | 4,557 |
| Net loans and leases to deposits | 57.2219% | 4,788 |
| Net loans and leases to core deposits | 58.1418% | 4,915 |
| Total domestic deposits to total assets | 91.1664% | 184 |
| Equity capital to assets | 8.6674% | 5,177 |
| Core capital (leverage) ratio | 9.1210% | 4,584 |
| Tier 1 risk-based capital ratio | 15.0292% | 2,913 |
| Total risk-based capital ratio | 15.9044% | 3,008 |
| Memoranda: | ||
| Average total assets | $152,555,330 | 3,488 |
| Average earning assets | $142,182,330 | 3,461 |
| Average equity | $13,202,000 | 4,007 |
| Average total loans | $82,829,000 | 3,724 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 2,225 |
| Cost of funding earning assets | 0.2070% | 4,913 |
| Net interest margin | 4.0087% | 1,452 |
| Noninterest income to average assets | 0.4382% | 3,392 |
| Noninterest expense to average assets | 2.8361% | 2,662 |
| Loan and lease loss provision to assets | 0.1407% | 1,342 |
| Net operating income to assets | 1.2162% | 1,471 |
| Return on assets (ROA) | 1.2162% | 1,506 |
| Pretax return on assets | 1.2162% | 2,525 |
| Return on Equity (ROE) | 14.0653% | 798 |
| Retained earnings to average equity (ytd only) | 5.0058% | 2,890 |
| Net charge-offs to loans | 0.1108% | 1,282 |
| Credit loss provision to net charge-offs | 230.4348% | 934 |
| Earnings coverage of net charge-offs (x) | 22.2174% | 1,425 |
| Efficiency ratio | 67.6377% | 3,262 |
| Assets per employee ($millions) | 4.0015% | 4,008 |
| Cash dividends to net income (ytd only)* | 64.4105% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 3,125 |
| Loan loss allowance to noncurrent loans | 174.2049% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 3,535 |
| Noncurrent loans to loans | 0.6899% | 2,776 |
| Net loans and leases to total assets | 53.3090% | 4,391 |
| Net loans and leases to deposits | 58.4355% | 4,673 |
| Net loans and leases to core deposits | 59.3959% | 4,809 |
| Total domestic deposits to total assets | 91.2270% | 236 |
| Equity capital to assets | 8.6310% | 5,125 |
| Core capital (leverage) ratio | 9.2999% | 4,344 |
| Tier 1 risk-based capital ratio | 15.0813% | 2,929 |
| Total risk-based capital ratio | 16.1476% | 2,943 |
| Memoranda: | ||
| Average total assets | $150,631,500 | 3,549 |
| Average earning assets | $141,091,500 | 3,512 |
| Average equity | $13,025,000 | 4,053 |
| Average total loans | $83,039,500 | 3,742 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 2,351 |
| Cost of funding earning assets | 0.2099% | 4,925 |
| Net interest margin | 4.0298% | 1,557 |
| Noninterest income to average assets | 0.4678% | 3,428 |
| Noninterest expense to average assets | 2.8627% | 2,802 |
| Loan and lease loss provision to assets | 0.0826% | 2,707 |
| Net operating income to assets | 1.2853% | 1,248 |
| Return on assets (ROA) | 1.3384% | 1,180 |
| Pretax return on assets | 1.3384% | 2,155 |
| Return on Equity (ROE) | 14.7287% | 664 |
| Retained earnings to average equity (ytd only) | 5.7393% | 1,859 |
| Net charge-offs to loans | 0.1374% | 1,878 |
| Credit loss provision to net charge-offs | 108.8496% | 2,410 |
| Earnings coverage of net charge-offs (x) | 18.0354% | 1,995 |
| Efficiency ratio | 67.6662% | 3,312 |
| Assets per employee ($millions) | 3.9265% | 4,105 |
| Cash dividends to net income (ytd only)* | 61.0331% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 3,504 |
| Loan loss allowance to noncurrent loans | 128.4946% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 3,060 |
| Noncurrent loans to loans | 0.8854% | 2,335 |
| Net loans and leases to total assets | 55.6794% | 4,296 |
| Net loans and leases to deposits | 61.0937% | 4,609 |
| Net loans and leases to core deposits | 62.2808% | 4,740 |
| Total domestic deposits to total assets | 91.1378% | 237 |
| Equity capital to assets | 8.6632% | 5,140 |
| Core capital (leverage) ratio | 8.8273% | 4,934 |
| Tier 1 risk-based capital ratio | 14.8305% | 3,036 |
| Total risk-based capital ratio | 15.8591% | 3,082 |
| Memoranda: | ||
| Average total assets | $148,986,800 | 3,537 |
| Average earning assets | $139,114,400 | 3,507 |
| Average equity | $13,538,200 | 4,019 |
| Average total loans | $82,230,400 | 3,757 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 2,396 |
| Cost of funding earning assets | 0.2084% | 4,987 |
| Net interest margin | 4.0260% | 1,584 |
| Noninterest income to average assets | 0.4852% | 3,351 |
| Noninterest expense to average assets | 2.8487% | 2,830 |
| Loan and lease loss provision to assets | 0.0707% | 2,803 |
| Net operating income to assets | 1.3196% | 1,234 |
| Return on assets (ROA) | 1.3903% | 1,143 |
| Pretax return on assets | 1.3903% | 2,068 |
| Return on Equity (ROE) | 15.1236% | 652 |
| Retained earnings to average equity (ytd only) | 9.1151% | 787 |
| Net charge-offs to loans | 0.0750% | 2,248 |
| Credit loss provision to net charge-offs | 171.7391% | 1,623 |
| Earnings coverage of net charge-offs (x) | 33.7618% | 1,382 |
| Efficiency ratio | 67.2017% | 3,384 |
| Assets per employee ($millions) | 4.0473% | 3,881 |
| Cash dividends to net income (ytd only)* | 39.7298% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 3,461 |
| Loan loss allowance to noncurrent loans | 109.8765% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 3,044 |
| Noncurrent loans to loans | 1.0591% | 2,126 |
| Net loans and leases to total assets | 52.6761% | 4,594 |
| Net loans and leases to deposits | 58.0819% | 4,872 |
| Net loans and leases to core deposits | 59.1475% | 4,987 |
| Total domestic deposits to total assets | 90.6927% | 277 |
| Equity capital to assets | 9.0995% | 5,074 |
| Core capital (leverage) ratio | 9.0307% | 4,798 |
| Tier 1 risk-based capital ratio | 15.0427% | 3,034 |
| Total risk-based capital ratio | 16.0990% | 3,056 |
| Memoranda: | ||
| Average total assets | $148,932,000 | 3,556 |
| Average earning assets | $138,859,750 | 3,530 |
| Average equity | $13,691,250 | 4,023 |
| Average total loans | $81,779,750 | 3,786 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 2,616 |
| Cost of funding earning assets | 0.2101% | 5,043 |
| Net interest margin | 3.9556% | 1,789 |
| Noninterest income to average assets | 0.4700% | 3,409 |
| Noninterest expense to average assets | 2.8418% | 2,868 |
| Loan and lease loss provision to assets | 0.0343% | 3,466 |
| Net operating income to assets | 1.2825% | 1,328 |
| Return on assets (ROA) | 1.3346% | 1,278 |
| Pretax return on assets | 1.3346% | 2,265 |
| Return on Equity (ROE) | 14.4646% | 754 |
| Retained earnings to average equity (ytd only) | 7.9006% | 1,201 |
| Net charge-offs to loans | 0.0272% | 2,935 |
| Credit loss provision to net charge-offs | 227.2727% | 1,189 |
| Earnings coverage of net charge-offs (x) | 87.3636% | 650 |
| Efficiency ratio | 68.3361% | 3,271 |
| Assets per employee ($millions) | 3.5856% | 4,615 |
| Cash dividends to net income (ytd only)* | 45.3799% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 3,609 |
| Loan loss allowance to noncurrent loans | 103.5599% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 2,967 |
| Noncurrent loans to loans | 1.1158% | 2,062 |
| Net loans and leases to total assets | 54.5270% | 4,458 |
| Net loans and leases to deposits | 60.2275% | 4,783 |
| Net loans and leases to core deposits | 61.5014% | 4,912 |
| Total domestic deposits to total assets | 90.5350% | 304 |
| Equity capital to assets | 9.3249% | 4,947 |
| Core capital (leverage) ratio | 9.3005% | 4,459 |
| Tier 1 risk-based capital ratio | 14.8034% | 3,156 |
| Total risk-based capital ratio | 15.8531% | 3,193 |
| Memoranda: | ||
| Average total assets | $145,961,330 | 3,615 |
| Average earning assets | $136,110,000 | 3,593 |
| Average equity | $13,467,330 | 4,081 |
| Average total loans | $80,998,000 | 3,826 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 2,413 |
| Cost of funding earning assets | 0.2156% | 5,048 |
| Net interest margin | 4.0001% | 1,616 |
| Noninterest income to average assets | 0.4650% | 3,374 |
| Noninterest expense to average assets | 2.8766% | 2,786 |
| Loan and lease loss provision to assets | 0.0251% | 3,345 |
| Net operating income to assets | 1.2837% | 1,296 |
| Return on assets (ROA) | 1.2837% | 1,382 |
| Pretax return on assets | 1.2837% | 2,371 |
| Return on Equity (ROE) | 13.9914% | 832 |
| Retained earnings to average equity (ytd only) | 8.6801% | 1,203 |
| Net charge-offs to loans | -0.0600% | 5,415 |
| Credit loss provision to net charge-offs | -75.0000% | 4,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7292% | 3,342 |
| Assets per employee ($millions) | 3.3794% | 5,007 |
| Cash dividends to net income (ytd only)* | 37.9610% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 3,445 |
| Loan loss allowance to noncurrent loans | 96.1233% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.7771% | 2,752 |
| Noncurrent loans to loans | 1.2537% | 1,927 |
| Net loans and leases to total assets | 55.8538% | 4,274 |
| Net loans and leases to deposits | 61.8018% | 4,592 |
| Net loans and leases to core deposits | 63.0613% | 4,747 |
| Total domestic deposits to total assets | 90.3757% | 473 |
| Equity capital to assets | 9.5010% | 4,668 |
| Core capital (leverage) ratio | 9.3533% | 4,419 |
| Tier 1 risk-based capital ratio | 16.8725% | 2,335 |
| Total risk-based capital ratio | 18.1000% | 2,290 |
| Memoranda: | ||
| Average total assets | $143,643,500 | 3,672 |
| Average earning assets | $133,596,500 | 3,658 |
| Average equity | $13,179,500 | 4,136 |
| Average total loans | $79,959,000 | 3,859 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3389% | 2,095 |
| Cost of funding earning assets | 0.2319% | 4,989 |
| Net interest margin | 4.1069% | 1,398 |
| Noninterest income to average assets | 0.4362% | 3,776 |
| Noninterest expense to average assets | 3.0676% | 2,328 |
| Loan and lease loss provision to assets | 0.0077% | 4,240 |
| Net operating income to assets | 1.1483% | 1,741 |
| Return on assets (ROA) | 1.1483% | 1,810 |
| Pretax return on assets | 1.1483% | 2,852 |
| Return on Equity (ROE) | 12.7644% | 1,105 |
| Retained earnings to average equity (ytd only) | 4.5051% | 2,776 |
| Net charge-offs to loans | 0.0890% | 2,545 |
| Credit loss provision to net charge-offs | 15.9420% | 3,779 |
| Earnings coverage of net charge-offs (x) | 23.8116% | 1,707 |
| Efficiency ratio | 72.6304% | 2,802 |
| Assets per employee ($millions) | 3.5452% | 4,735 |
| Cash dividends to net income (ytd only)* | 64.7059% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 3,552 |
| Loan loss allowance to noncurrent loans | 129.2350% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 3,380 |
| Noncurrent loans to loans | 0.9187% | 2,503 |
| Net loans and leases to total assets | 54.1643% | 4,485 |
| Net loans and leases to deposits | 59.5479% | 4,800 |
| Net loans and leases to core deposits | 60.6866% | 4,940 |
| Total domestic deposits to total assets | 90.9593% | 289 |
| Equity capital to assets | 8.8570% | 5,262 |
| Core capital (leverage) ratio | 8.7523% | 5,162 |
| Tier 1 risk-based capital ratio | 15.3086% | 3,033 |
| Total risk-based capital ratio | 16.4220% | 3,030 |
| Memoranda: | ||
| Average total assets | $142,129,000 | 3,693 |
| Average earning assets | $131,070,600 | 3,679 |
| Average equity | $12,785,600 | 4,176 |
| Average total loans | $77,552,400 | 3,896 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 2,055 |
| Cost of funding earning assets | 0.2347% | 5,046 |
| Net interest margin | 4.1225% | 1,345 |
| Noninterest income to average assets | 0.4415% | 3,779 |
| Noninterest expense to average assets | 3.0558% | 2,348 |
| Loan and lease loss provision to assets | 0.0028% | 4,194 |
| Net operating income to assets | 1.1774% | 1,723 |
| Return on assets (ROA) | 1.1774% | 1,796 |
| Pretax return on assets | 1.1774% | 2,901 |
| Return on Equity (ROE) | 13.0369% | 1,116 |
| Retained earnings to average equity (ytd only) | 5.3694% | 2,663 |
| Net charge-offs to loans | 0.1073% | 2,057 |
| Credit loss provision to net charge-offs | 4.8387% | 3,488 |
| Earnings coverage of net charge-offs (x) | 20.1786% | 1,884 |
| Efficiency ratio | 72.1381% | 2,854 |
| Assets per employee ($millions) | 3.3940% | 4,996 |
| Cash dividends to net income (ytd only)* | 58.8139% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 3,672 |
| Loan loss allowance to noncurrent loans | 85.4430% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.0333% | 2,287 |
| Noncurrent loans to loans | 1.4024% | 1,814 |
| Net loans and leases to total assets | 53.3914% | 4,630 |
| Net loans and leases to deposits | 58.7582% | 4,936 |
| Net loans and leases to core deposits | 60.2446% | 5,052 |
| Total domestic deposits to total assets | 90.8663% | 286 |
| Equity capital to assets | 8.9549% | 5,351 |
| Core capital (leverage) ratio | 9.0149% | 4,977 |
| Tier 1 risk-based capital ratio | 15.0070% | 3,286 |
| Total risk-based capital ratio | 16.1026% | 3,313 |
| Memoranda: | ||
| Average total assets | $141,322,750 | 3,731 |
| Average earning assets | $130,079,750 | 3,727 |
| Average equity | $12,763,500 | 4,227 |
| Average total loans | $77,021,500 | 3,948 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 1,825 |
| Cost of funding earning assets | 0.2415% | 5,039 |
| Net interest margin | 4.1672% | 1,182 |
| Noninterest income to average assets | 0.4264% | 3,878 |
| Noninterest expense to average assets | 3.0905% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1632% | 1,735 |
| Return on assets (ROA) | 1.1632% | 1,806 |
| Pretax return on assets | 1.1632% | 2,927 |
| Return on Equity (ROE) | 12.8419% | 1,146 |
| Retained earnings to average equity (ytd only) | 3.3329% | 3,923 |
| Net charge-offs to loans | 0.1623% | 1,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.1129% | 2,160 |
| Efficiency ratio | 72.6539% | 2,905 |
| Assets per employee ($millions) | 3.3010% | 5,164 |
| Cash dividends to net income (ytd only)* | 74.0467% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 3,678 |
| Loan loss allowance to noncurrent loans | 83.9572% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.1425% | 2,225 |
| Noncurrent loans to loans | 1.4516% | 1,832 |
| Net loans and leases to total assets | 55.0713% | 4,445 |
| Net loans and leases to deposits | 60.5853% | 4,803 |
| Net loans and leases to core deposits | 62.2078% | 4,933 |
| Total domestic deposits to total assets | 90.8989% | 324 |
| Equity capital to assets | 8.9518% | 5,282 |
| Core capital (leverage) ratio | 9.2050% | 4,686 |
| Tier 1 risk-based capital ratio | 14.8417% | 3,453 |
| Total risk-based capital ratio | 15.9477% | 3,458 |
| Memoranda: | ||
| Average total assets | $139,782,670 | 3,785 |
| Average earning assets | $128,382,330 | 3,790 |
| Average equity | $12,661,670 | 4,269 |
| Average total loans | $76,406,670 | 3,990 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 2,014 |
| Cost of funding earning assets | 0.2484% | 5,039 |
| Net interest margin | 4.0766% | 1,339 |
| Noninterest income to average assets | 0.3619% | 4,315 |
| Noninterest expense to average assets | 3.0153% | 2,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0887% | 1,907 |
| Return on assets (ROA) | 1.0887% | 2,021 |
| Pretax return on assets | 1.0887% | 3,131 |
| Return on Equity (ROE) | 11.9496% | 1,364 |
| Retained earnings to average equity (ytd only) | 11.9496% | 580 |
| Net charge-offs to loans | 0.1000% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 20.1053% | 1,423 |
| Efficiency ratio | 73.4722% | 2,907 |
| Assets per employee ($millions) | 3.2174% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 3,334 |
| Loan loss allowance to noncurrent loans | 115.7462% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 2,687 |
| Noncurrent loans to loans | 1.1329% | 2,507 |
| Net loans and leases to total assets | 53.5829% | 4,492 |
| Net loans and leases to deposits | 59.3047% | 4,799 |
| Net loans and leases to core deposits | 60.9673% | 4,920 |
| Total domestic deposits to total assets | 90.3520% | 587 |
| Equity capital to assets | 9.4948% | 4,761 |
| Core capital (leverage) ratio | 9.4224% | 4,392 |
| Tier 1 risk-based capital ratio | 15.3177% | 3,251 |
| Total risk-based capital ratio | 16.4953% | 3,219 |
| Memoranda: | ||
| Average total assets | $140,353,000 | 3,804 |
| Average earning assets | $128,833,000 | 3,810 |
| Average equity | $12,787,000 | 4,273 |
| Average total loans | $75,963,000 | 4,023 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4859% | 1,931 |
| Cost of funding earning assets | 0.3001% | 4,798 |
| Net interest margin | 4.1858% | 1,344 |
| Noninterest income to average assets | 0.3857% | 4,294 |
| Noninterest expense to average assets | 3.2050% | 2,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0079% | 2,342 |
| Return on assets (ROA) | 1.0079% | 2,427 |
| Pretax return on assets | 1.0079% | 3,463 |
| Return on Equity (ROE) | 11.6363% | 1,514 |
| Retained earnings to average equity (ytd only) | 5.8476% | 2,025 |
| Net charge-offs to loans | 0.0547% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 33.7805% | 1,226 |
| Efficiency ratio | 76.0753% | 2,497 |
| Assets per employee ($millions) | 3.3106% | 5,242 |
| Cash dividends to net income (ytd only)* | 49.7473% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 3,381 |
| Loan loss allowance to noncurrent loans | 88.3803% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.4955% | 1,829 |
| Noncurrent loans to loans | 1.4790% | 1,982 |
| Net loans and leases to total assets | 53.2503% | 4,664 |
| Net loans and leases to deposits | 58.5001% | 5,028 |
| Net loans and leases to core deposits | 60.3630% | 5,114 |
| Total domestic deposits to total assets | 91.0260% | 354 |
| Equity capital to assets | 8.7373% | 5,547 |
| Core capital (leverage) ratio | 8.7161% | 5,331 |
| Tier 1 risk-based capital ratio | 14.7807% | 3,613 |
| Total risk-based capital ratio | 15.9746% | 3,577 |
| Memoranda: | ||
| Average total assets | $137,409,200 | 3,854 |
| Average earning assets | $125,638,400 | 3,853 |
| Average equity | $11,902,400 | 4,379 |
| Average total loans | $74,928,000 | 4,025 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5117% | 1,828 |
| Cost of funding earning assets | 0.3112% | 4,765 |
| Net interest margin | 4.2005% | 1,291 |
| Noninterest income to average assets | 0.4719% | 3,731 |
| Noninterest expense to average assets | 3.2292% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0751% | 2,135 |
| Return on assets (ROA) | 1.0751% | 2,205 |
| Pretax return on assets | 1.0751% | 3,279 |
| Return on Equity (ROE) | 12.4396% | 1,355 |
| Retained earnings to average equity (ytd only) | 8.7463% | 1,079 |
| Net charge-offs to loans | 0.0681% | 3,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 28.8920% | 1,408 |
| Efficiency ratio | 75.0227% | 2,659 |
| Assets per employee ($millions) | 3.3233% | 5,205 |
| Cash dividends to net income (ytd only)* | 29.6907% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 3,560 |
| Loan loss allowance to noncurrent loans | 132.3259% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3387% | 2,304 |
| Noncurrent loans to loans | 0.9957% | 3,082 |
| Net loans and leases to total assets | 52.7775% | 4,724 |
| Net loans and leases to deposits | 57.8926% | 5,107 |
| Net loans and leases to core deposits | 59.7582% | 5,209 |
| Total domestic deposits to total assets | 91.1645% | 319 |
| Equity capital to assets | 8.6053% | 5,719 |
| Core capital (leverage) ratio | 8.9036% | 5,190 |
| Tier 1 risk-based capital ratio | 14.3148% | 4,018 |
| Total risk-based capital ratio | 15.4675% | 4,000 |
| Memoranda: | ||
| Average total assets | $136,172,500 | 3,895 |
| Average earning assets | $124,236,750 | 3,907 |
| Average equity | $11,768,500 | 4,431 |
| Average total loans | $74,457,750 | 4,067 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,651 |
| Cost of funding earning assets | 0.3198% | 4,760 |
| Net interest margin | 4.2367% | 1,164 |
| Noninterest income to average assets | 0.4256% | 4,053 |
| Noninterest expense to average assets | 3.2629% | 2,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0199% | 2,245 |
| Return on assets (ROA) | 1.0199% | 2,314 |
| Pretax return on assets | 1.0199% | 3,396 |
| Return on Equity (ROE) | 11.7837% | 1,487 |
| Retained earnings to average equity (ytd only) | 6.1592% | 2,229 |
| Net charge-offs to loans | 0.0461% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 40.1765% | 1,058 |
| Efficiency ratio | 76.1855% | 2,598 |
| Assets per employee ($millions) | 3.1046% | 5,594 |
| Cash dividends to net income (ytd only)* | 47.7306% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 3,545 |
| Loan loss allowance to noncurrent loans | 125.5189% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.6413% | 1,995 |
| Noncurrent loans to loans | 1.0829% | 3,062 |
| Net loans and leases to total assets | 54.6145% | 4,464 |
| Net loans and leases to deposits | 59.9759% | 4,872 |
| Net loans and leases to core deposits | 61.8530% | 4,977 |
| Total domestic deposits to total assets | 91.0608% | 394 |
| Equity capital to assets | 8.7525% | 5,572 |
| Core capital (leverage) ratio | 8.8421% | 5,235 |
| Tier 1 risk-based capital ratio | 14.2115% | 4,120 |
| Total risk-based capital ratio | 15.4198% | 4,074 |
| Memoranda: | ||
| Average total assets | $133,930,000 | 3,957 |
| Average earning assets | $121,934,330 | 3,970 |
| Average equity | $11,592,330 | 4,476 |
| Average total loans | $73,801,670 | 4,111 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 1,859 |
| Cost of funding earning assets | 0.3245% | 4,799 |
| Net interest margin | 4.1594% | 1,319 |
| Noninterest income to average assets | 0.4495% | 3,799 |
| Noninterest expense to average assets | 3.2249% | 2,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0136% | 2,158 |
| Return on assets (ROA) | 1.0136% | 2,224 |
| Pretax return on assets | 1.0136% | 3,271 |
| Return on Equity (ROE) | 11.7786% | 1,466 |
| Retained earnings to average equity (ytd only) | 11.7786% | 638 |
| Net charge-offs to loans | -0.0549% | 5,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0854% | 2,790 |
| Assets per employee ($millions) | 3.0205% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 3,450 |
| Loan loss allowance to noncurrent loans | 130.7311% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 1.8751% | 1,842 |
| Noncurrent loans to loans | 1.0960% | 3,230 |
| Net loans and leases to total assets | 54.6076% | 4,336 |
| Net loans and leases to deposits | 60.0400% | 4,757 |
| Net loans and leases to core deposits | 61.9666% | 4,884 |
| Total domestic deposits to total assets | 90.9519% | 587 |
| Equity capital to assets | 8.8359% | 5,290 |
| Core capital (leverage) ratio | 9.1964% | 4,724 |
| Tier 1 risk-based capital ratio | 14.5353% | 3,991 |
| Total risk-based capital ratio | 15.7854% | 3,940 |
| Memoranda: | ||
| Average total assets | $132,594,500 | 4,016 |
| Average earning assets | $120,787,500 | 4,027 |
| Average equity | $11,410,500 | 4,520 |
| Average total loans | $72,886,500 | 4,170 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 1,398 |
| Cost of funding earning assets | 0.3814% | 4,826 |
| Net interest margin | 4.3811% | 942 |
| Noninterest income to average assets | 0.5767% | 3,232 |
| Noninterest expense to average assets | 3.7630% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7728% | 3,433 |
| Return on assets (ROA) | 0.7728% | 3,526 |
| Pretax return on assets | 0.7728% | 4,255 |
| Return on Equity (ROE) | 9.0578% | 2,506 |
| Retained earnings to average equity (ytd only) | 5.9158% | 2,019 |
| Net charge-offs to loans | 0.2323% | 2,597 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.8663% | 3,187 |
| Efficiency ratio | 82.9618% | 1,754 |
| Assets per employee ($millions) | 2.8758% | 6,011 |
| Cash dividends to net income (ytd only)* | 34.6878% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 3,423 |
| Loan loss allowance to noncurrent loans | 110.1159% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 2.0198% | 1,779 |
| Noncurrent loans to loans | 1.3154% | 2,935 |
| Net loans and leases to total assets | 53.7456% | 4,617 |
| Net loans and leases to deposits | 58.8490% | 5,053 |
| Net loans and leases to core deposits | 60.5242% | 5,184 |
| Total domestic deposits to total assets | 91.3280% | 463 |
| Equity capital to assets | 8.3742% | 5,714 |
| Core capital (leverage) ratio | 8.4918% | 5,682 |
| Tier 1 risk-based capital ratio | 14.3910% | 4,021 |
| Total risk-based capital ratio | 15.6420% | 3,968 |
| Memoranda: | ||
| Average total assets | $130,559,400 | 4,062 |
| Average earning assets | $117,984,200 | 4,087 |
| Average equity | $11,139,600 | 4,610 |
| Average total loans | $74,026,400 | 4,129 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 1,380 |
| Cost of funding earning assets | 0.3964% | 4,845 |
| Net interest margin | 4.3919% | 910 |
| Noninterest income to average assets | 0.5769% | 3,291 |
| Noninterest expense to average assets | 3.7593% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7797% | 3,463 |
| Return on assets (ROA) | 0.7797% | 3,587 |
| Pretax return on assets | 0.7797% | 4,375 |
| Return on Equity (ROE) | 9.0958% | 2,591 |
| Retained earnings to average equity (ytd only) | 6.1078% | 2,339 |
| Net charge-offs to loans | 0.2703% | 2,198 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.0397% | 3,298 |
| Efficiency ratio | 82.8217% | 1,725 |
| Assets per employee ($millions) | 2.9600% | 5,911 |
| Cash dividends to net income (ytd only)* | 32.8520% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 3,710 |
| Loan loss allowance to noncurrent loans | 82.1897% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.3869% | 1,637 |
| Noncurrent loans to loans | 1.7576% | 2,561 |
| Net loans and leases to total assets | 53.4132% | 4,697 |
| Net loans and leases to deposits | 58.3603% | 5,152 |
| Net loans and leases to core deposits | 60.2213% | 5,279 |
| Total domestic deposits to total assets | 91.5233% | 364 |
| Equity capital to assets | 8.2270% | 5,983 |
| Core capital (leverage) ratio | 8.6110% | 5,644 |
| Tier 1 risk-based capital ratio | 14.0265% | 4,411 |
| Total risk-based capital ratio | 15.2771% | 4,364 |
| Memoranda: | ||
| Average total assets | $130,127,250 | 4,112 |
| Average earning assets | $117,393,750 | 4,139 |
| Average equity | $11,155,000 | 4,658 |
| Average total loans | $74,497,000 | 4,127 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 1,183 |
| Cost of funding earning assets | 0.4252% | 4,705 |
| Net interest margin | 4.4381% | 791 |
| Noninterest income to average assets | 0.5370% | 3,596 |
| Noninterest expense to average assets | 3.7716% | 1,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7571% | 3,526 |
| Return on assets (ROA) | 0.7571% | 3,676 |
| Pretax return on assets | 0.7571% | 4,479 |
| Return on Equity (ROE) | 8.7079% | 2,755 |
| Retained earnings to average equity (ytd only) | 4.2193% | 3,609 |
| Net charge-offs to loans | 0.3078% | 1,955 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.2174% | 3,184 |
| Efficiency ratio | 83.2816% | 1,720 |
| Assets per employee ($millions) | 2.8890% | 6,036 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 3,639 |
| Loan loss allowance to noncurrent loans | 88.2306% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 2.8022% | 1,479 |
| Noncurrent loans to loans | 1.6863% | 2,788 |
| Net loans and leases to total assets | 57.4000% | 4,077 |
| Net loans and leases to deposits | 62.8615% | 4,644 |
| Net loans and leases to core deposits | 65.0083% | 4,788 |
| Total domestic deposits to total assets | 91.3118% | 440 |
| Equity capital to assets | 8.4962% | 5,769 |
| Core capital (leverage) ratio | 8.8356% | 5,238 |
| Tier 1 risk-based capital ratio | 13.6080% | 4,704 |
| Total risk-based capital ratio | 14.8593% | 4,665 |
| Memoranda: | ||
| Average total assets | $128,116,000 | 4,183 |
| Average earning assets | $115,229,330 | 4,227 |
| Average equity | $11,139,330 | 4,697 |
| Average total loans | $74,731,330 | 4,147 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 1,807 |
| Cost of funding earning assets | 0.4497% | 4,597 |
| Net interest margin | 4.1567% | 1,309 |
| Noninterest income to average assets | 0.5536% | 3,410 |
| Noninterest expense to average assets | 3.5423% | 1,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7775% | 3,296 |
| Return on assets (ROA) | 0.7775% | 3,431 |
| Pretax return on assets | 0.7775% | 4,263 |
| Return on Equity (ROE) | 8.8425% | 2,557 |
| Retained earnings to average equity (ytd only) | 8.8425% | 1,438 |
| Net charge-offs to loans | 0.4476% | 1,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.9762% | 2,885 |
| Efficiency ratio | 82.0014% | 2,037 |
| Assets per employee ($millions) | 2.9214% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 3,766 |
| Loan loss allowance to noncurrent loans | 72.3962% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 2.8590% | 1,579 |
| Noncurrent loans to loans | 2.0897% | 2,517 |
| Net loans and leases to total assets | 57.3809% | 3,859 |
| Net loans and leases to deposits | 63.1020% | 4,405 |
| Net loans and leases to core deposits | 65.2807% | 4,617 |
| Total domestic deposits to total assets | 90.9336% | 551 |
| Equity capital to assets | 8.8937% | 5,619 |
| Core capital (leverage) ratio | 8.9385% | 4,987 |
| Tier 1 risk-based capital ratio | 13.5850% | 4,811 |
| Total risk-based capital ratio | 14.8361% | 4,769 |
| Memoranda: | ||
| Average total assets | $128,616,500 | 4,213 |
| Average earning assets | $116,535,000 | 4,230 |
| Average equity | $11,309,000 | 4,714 |
| Average total loans | $75,064,000 | 4,165 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2331% | 1,057 |
| Cost of funding earning assets | 0.5448% | 4,861 |
| Net interest margin | 4.6882% | 665 |
| Noninterest income to average assets | 0.2080% | 5,926 |
| Noninterest expense to average assets | 3.9277% | 1,071 |
| Loan and lease loss provision to assets | 0.2215% | 2,916 |
| Net operating income to assets | 0.2784% | 5,550 |
| Return on assets (ROA) | 0.2784% | 5,763 |
| Pretax return on assets | 0.2784% | 5,860 |
| Return on Equity (ROE) | 3.2114% | 5,469 |
| Retained earnings to average equity (ytd only) | 3.2114% | 3,962 |
| Net charge-offs to loans | 0.4028% | 2,645 |
| Credit loss provision to net charge-offs | 85.8896% | 3,633 |
| Earnings coverage of net charge-offs (x) | 1.9387% | 4,455 |
| Efficiency ratio | 88.7103% | 1,173 |
| Assets per employee ($millions) | 2.9248% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 3,228 |
| Loan loss allowance to noncurrent loans | 64.7685% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 2.8782% | 1,653 |
| Noncurrent loans to loans | 2.4974% | 2,115 |
| Net loans and leases to total assets | 57.5172% | 4,055 |
| Net loans and leases to deposits | 63.1575% | 4,641 |
| Net loans and leases to core deposits | 65.1797% | 4,819 |
| Total domestic deposits to total assets | 91.0694% | 472 |
| Equity capital to assets | 8.6921% | 5,854 |
| Core capital (leverage) ratio | 8.5468% | 5,546 |
| Tier 1 risk-based capital ratio | 13.6533% | 4,638 |
| Total risk-based capital ratio | 14.9058% | 4,581 |
| Memoranda: | ||
| Average total assets | $126,434,200 | 4,218 |
| Average earning assets | $113,795,200 | 4,254 |
| Average equity | $10,960,800 | 4,768 |
| Average total loans | $80,932,800 | 4,008 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 1,036 |
| Cost of funding earning assets | 0.5676% | 4,937 |
| Net interest margin | 4.7194% | 652 |
| Noninterest income to average assets | 0.1727% | 6,272 |
| Noninterest expense to average assets | 3.9437% | 1,012 |
| Loan and lease loss provision to assets | 0.2299% | 2,753 |
| Net operating income to assets | 0.2352% | 5,823 |
| Return on assets (ROA) | 0.2352% | 6,007 |
| Pretax return on assets | 0.2352% | 6,076 |
| Return on Equity (ROE) | 2.7144% | 5,790 |
| Retained earnings to average equity (ytd only) | 2.7144% | 4,924 |
| Net charge-offs to loans | 0.3594% | 2,660 |
| Credit loss provision to net charge-offs | 97.7477% | 3,062 |
| Earnings coverage of net charge-offs (x) | 1.9775% | 4,273 |
| Efficiency ratio | 89.4522% | 1,076 |
| Assets per employee ($millions) | 2.9991% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 3,696 |
| Loan loss allowance to noncurrent loans | 36.9023% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 3.4389% | 1,464 |
| Noncurrent loans to loans | 4.2230% | 1,166 |
| Net loans and leases to total assets | 60.2193% | 3,734 |
| Net loans and leases to deposits | 65.9184% | 4,479 |
| Net loans and leases to core deposits | 68.2956% | 4,697 |
| Total domestic deposits to total assets | 91.3543% | 319 |
| Equity capital to assets | 8.4169% | 6,334 |
| Core capital (leverage) ratio | 8.6039% | 5,613 |
| Tier 1 risk-based capital ratio | 12.7157% | 5,466 |
| Total risk-based capital ratio | 13.9681% | 5,425 |
| Memoranda: | ||
| Average total assets | $125,869,750 | 4,274 |
| Average earning assets | $112,978,750 | 4,317 |
| Average equity | $10,904,500 | 4,826 |
| Average total loans | $82,356,750 | 4,010 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4872% | 739 |
| Cost of funding earning assets | 0.5971% | 4,929 |
| Net interest margin | 4.8901% | 484 |
| Noninterest income to average assets | 0.2116% | 6,049 |
| Noninterest expense to average assets | 3.9454% | 1,013 |
| Loan and lease loss provision to assets | 0.3505% | 1,876 |
| Net operating income to assets | 0.2939% | 5,640 |
| Return on assets (ROA) | 0.2939% | 5,843 |
| Pretax return on assets | 0.2939% | 5,978 |
| Return on Equity (ROE) | 3.3589% | 5,541 |
| Retained earnings to average equity (ytd only) | 3.3589% | 4,367 |
| Net charge-offs to loans | 0.4584% | 2,226 |
| Credit loss provision to net charge-offs | 114.2105% | 2,394 |
| Earnings coverage of net charge-offs (x) | 2.1000% | 3,939 |
| Efficiency ratio | 85.9606% | 1,440 |
| Assets per employee ($millions) | 2.5649% | 6,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 3,694 |
| Loan loss allowance to noncurrent loans | 33.2389% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 4.0686% | 1,245 |
| Noncurrent loans to loans | 4.7340% | 1,083 |
| Net loans and leases to total assets | 65.5412% | 2,760 |
| Net loans and leases to deposits | 72.0777% | 3,596 |
| Net loans and leases to core deposits | 75.1089% | 3,867 |
| Total domestic deposits to total assets | 90.9312% | 471 |
| Equity capital to assets | 8.8941% | 5,813 |
| Core capital (leverage) ratio | 8.8650% | 5,102 |
| Tier 1 risk-based capital ratio | 12.5199% | 5,551 |
| Total risk-based capital ratio | 13.7725% | 5,531 |
| Memoranda: | ||
| Average total assets | $123,839,330 | 4,333 |
| Average earning assets | $110,877,000 | 4,385 |
| Average equity | $10,837,000 | 4,849 |
| Average total loans | $82,901,000 | 4,014 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4184% | 884 |
| Cost of funding earning assets | 0.6212% | 4,955 |
| Net interest margin | 4.7972% | 567 |
| Noninterest income to average assets | 0.2158% | 6,072 |
| Noninterest expense to average assets | 3.7455% | 1,305 |
| Loan and lease loss provision to assets | 0.3317% | 1,888 |
| Net operating income to assets | 0.4412% | 5,072 |
| Return on assets (ROA) | 0.4412% | 5,264 |
| Pretax return on assets | 0.4412% | 5,612 |
| Return on Equity (ROE) | 5.0833% | 4,748 |
| Retained earnings to average equity (ytd only) | 5.0833% | 3,506 |
| Net charge-offs to loans | 0.2495% | 2,675 |
| Credit loss provision to net charge-offs | 198.0769% | 1,355 |
| Earnings coverage of net charge-offs (x) | 4.6154% | 2,540 |
| Efficiency ratio | 82.8938% | 1,815 |
| Assets per employee ($millions) | 2.6267% | 6,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5852% | 3,781 |
| Loan loss allowance to noncurrent loans | 29.3042% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 4.7087% | 1,118 |
| Noncurrent loans to loans | 5.4093% | 994 |
| Net loans and leases to total assets | 66.0818% | 2,455 |
| Net loans and leases to deposits | 72.5801% | 3,346 |
| Net loans and leases to core deposits | 75.6667% | 3,658 |
| Total domestic deposits to total assets | 91.0468% | 534 |
| Equity capital to assets | 8.7774% | 5,780 |
| Core capital (leverage) ratio | 8.9487% | 4,921 |
| Tier 1 risk-based capital ratio | 12.3731% | 5,702 |
| Total risk-based capital ratio | 13.6264% | 5,660 |
| Memoranda: | ||
| Average total assets | $124,201,500 | 4,351 |
| Average earning assets | $111,399,000 | 4,406 |
| Average equity | $10,780,500 | 4,863 |
| Average total loans | $83,361,000 | 4,029 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6957% | 787 |
| Cost of funding earning assets | 0.7873% | 4,958 |
| Net interest margin | 4.9084% | 494 |
| Noninterest income to average assets | 0.2116% | 6,004 |
| Noninterest expense to average assets | 3.6934% | 1,548 |
| Loan and lease loss provision to assets | 0.8298% | 1,175 |
| Net operating income to assets | 0.0713% | 5,926 |
| Return on assets (ROA) | 0.0713% | 6,039 |
| Pretax return on assets | 0.0713% | 6,012 |
| Return on Equity (ROE) | 0.8431% | 5,995 |
| Retained earnings to average equity (ytd only) | 0.8431% | 5,471 |
| Net charge-offs to loans | 1.2234% | 1,368 |
| Credit loss provision to net charge-offs | 96.3201% | 3,740 |
| Earnings coverage of net charge-offs (x) | 1.0460% | 5,004 |
| Efficiency ratio | 80.3864% | 2,255 |
| Assets per employee ($millions) | 2.6585% | 6,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 3,989 |
| Loan loss allowance to noncurrent loans | 28.9016% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 4.4346% | 1,242 |
| Noncurrent loans to loans | 5.2131% | 1,049 |
| Net loans and leases to total assets | 66.0784% | 2,764 |
| Net loans and leases to deposits | 72.4668% | 3,735 |
| Net loans and leases to core deposits | 75.8925% | 3,994 |
| Total domestic deposits to total assets | 91.1845% | 433 |
| Equity capital to assets | 8.5834% | 6,033 |
| Core capital (leverage) ratio | 8.4026% | 5,709 |
| Tier 1 risk-based capital ratio | 12.5751% | 5,388 |
| Total risk-based capital ratio | 13.8275% | 5,376 |
| Memoranda: | ||
| Average total assets | $126,170,800 | 4,246 |
| Average earning assets | $112,664,200 | 4,315 |
| Average equity | $10,675,400 | 4,866 |
| Average total loans | $88,849,000 | 3,882 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6957% | 856 |
| Cost of funding earning assets | 0.8167% | 5,038 |
| Net interest margin | 4.8790% | 534 |
| Noninterest income to average assets | 0.3184% | 5,320 |
| Noninterest expense to average assets | 3.6707% | 1,565 |
| Loan and lease loss provision to assets | 0.8708% | 1,044 |
| Net operating income to assets | 0.1286% | 5,893 |
| Return on assets (ROA) | 0.1286% | 6,011 |
| Pretax return on assets | 0.1286% | 6,047 |
| Return on Equity (ROE) | 1.5255% | 5,929 |
| Retained earnings to average equity (ytd only) | 1.5255% | 5,372 |
| Net charge-offs to loans | 1.1956% | 1,312 |
| Credit loss provision to net charge-offs | 102.2277% | 3,266 |
| Earnings coverage of net charge-offs (x) | 1.1733% | 4,745 |
| Efficiency ratio | 78.6005% | 2,461 |
| Assets per employee ($millions) | 2.7483% | 6,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 4,126 |
| Loan loss allowance to noncurrent loans | 27.5036% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 4.8250% | 1,207 |
| Noncurrent loans to loans | 5.4356% | 1,097 |
| Net loans and leases to total assets | 68.8485% | 2,305 |
| Net loans and leases to deposits | 75.5505% | 3,401 |
| Net loans and leases to core deposits | 79.0850% | 3,760 |
| Total domestic deposits to total assets | 91.1291% | 396 |
| Equity capital to assets | 8.5957% | 6,206 |
| Core capital (leverage) ratio | 8.5047% | 5,710 |
| Tier 1 risk-based capital ratio | 11.5912% | 6,178 |
| Total risk-based capital ratio | 12.8435% | 6,167 |
| Memoranda: | ||
| Average total assets | $126,476,000 | 4,263 |
| Average earning assets | $112,807,500 | 4,337 |
| Average equity | $10,663,000 | 4,877 |
| Average total loans | $90,104,250 | 3,888 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5950% | 1,081 |
| Cost of funding earning assets | 0.8474% | 5,082 |
| Net interest margin | 4.7476% | 661 |
| Noninterest income to average assets | 0.4886% | 3,958 |
| Noninterest expense to average assets | 3.6397% | 1,652 |
| Loan and lease loss provision to assets | 1.0008% | 871 |
| Net operating income to assets | 0.0822% | 6,056 |
| Return on assets (ROA) | 0.0822% | 6,133 |
| Pretax return on assets | 0.0822% | 6,130 |
| Return on Equity (ROE) | 0.9816% | 6,095 |
| Retained earnings to average equity (ytd only) | 0.9816% | 5,475 |
| Net charge-offs to loans | 1.3585% | 1,122 |
| Credit loss provision to net charge-offs | 102.7597% | 3,010 |
| Earnings coverage of net charge-offs (x) | 1.1120% | 4,443 |
| Efficiency ratio | 77.0673% | 2,849 |
| Assets per employee ($millions) | 2.4187% | 7,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 4,359 |
| Loan loss allowance to noncurrent loans | 24.2069% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 5.8783% | 963 |
| Noncurrent loans to loans | 5.9781% | 1,002 |
| Net loans and leases to total assets | 72.8784% | 1,620 |
| Net loans and leases to deposits | 80.0593% | 2,784 |
| Net loans and leases to core deposits | 83.9453% | 3,219 |
| Total domestic deposits to total assets | 91.0305% | 491 |
| Equity capital to assets | 8.7311% | 5,899 |
| Core capital (leverage) ratio | 8.4802% | 5,582 |
| Tier 1 risk-based capital ratio | 11.0229% | 6,513 |
| Total risk-based capital ratio | 12.2742% | 6,496 |
| Memoranda: | ||
| Average total assets | $126,493,330 | 4,294 |
| Average earning assets | $112,815,330 | 4,361 |
| Average equity | $10,595,000 | 4,899 |
| Average total loans | $90,685,000 | 3,928 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5249% | 1,234 |
| Cost of funding earning assets | 0.8900% | 4,994 |
| Net interest margin | 4.6349% | 807 |
| Noninterest income to average assets | 0.5185% | 3,739 |
| Noninterest expense to average assets | 3.5420% | 1,896 |
| Loan and lease loss provision to assets | 1.4930% | 432 |
| Net operating income to assets | -0.3686% | 6,726 |
| Return on assets (ROA) | -0.3686% | 6,731 |
| Pretax return on assets | -0.3686% | 6,670 |
| Return on Equity (ROE) | -4.4920% | 6,778 |
| Retained earnings to average equity (ytd only) | -4.4920% | 6,473 |
| Net charge-offs to loans | 2.1279% | 584 |
| Credit loss provision to net charge-offs | 99.3763% | 2,746 |
| Earnings coverage of net charge-offs (x) | 0.7484% | 4,074 |
| Efficiency ratio | 75.9036% | 3,179 |
| Assets per employee ($millions) | 2.6609% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 4,444 |
| Loan loss allowance to noncurrent loans | 24.5515% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 5.9092% | 991 |
| Noncurrent loans to loans | 5.8997% | 1,087 |
| Net loans and leases to total assets | 70.7269% | 1,975 |
| Net loans and leases to deposits | 77.4894% | 3,157 |
| Net loans and leases to core deposits | 82.6707% | 3,355 |
| Total domestic deposits to total assets | 91.2730% | 498 |
| Equity capital to assets | 8.3592% | 6,094 |
| Core capital (leverage) ratio | 8.2054% | 5,963 |
| Tier 1 risk-based capital ratio | 10.8289% | 6,625 |
| Total risk-based capital ratio | 12.0802% | 6,602 |
| Memoranda: | ||
| Average total assets | $128,064,000 | 4,306 |
| Average earning assets | $114,608,000 | 4,338 |
| Average equity | $10,507,500 | 4,916 |
| Average total loans | $90,419,000 | 3,969 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1948% | 570 |
| Cost of funding earning assets | 1.1833% | 4,657 |
| Net interest margin | 5.0115% | 420 |
| Noninterest income to average assets | 0.8539% | 2,038 |
| Noninterest expense to average assets | 4.1689% | 937 |
| Loan and lease loss provision to assets | 0.7391% | 2,221 |
| Net operating income to assets | 0.4068% | 4,516 |
| Return on assets (ROA) | 0.4068% | 4,646 |
| Pretax return on assets | 0.4068% | 4,925 |
| Return on Equity (ROE) | 4.8646% | 4,128 |
| Retained earnings to average equity (ytd only) | 0.6057% | 5,277 |
| Net charge-offs to loans | 0.5149% | 3,557 |
| Credit loss provision to net charge-offs | 188.6869% | 1,715 |
| Earnings coverage of net charge-offs (x) | 2.9253% | 3,613 |
| Efficiency ratio | 78.4395% | 2,629 |
| Assets per employee ($millions) | 2.6214% | 6,819 |
| Cash dividends to net income (ytd only)* | 87.5486% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 4,375 |
| Loan loss allowance to noncurrent loans | 22.5589% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 5.3438% | 1,162 |
| Noncurrent loans to loans | 6.3412% | 962 |
| Net loans and leases to total assets | 68.5018% | 2,864 |
| Net loans and leases to deposits | 74.7677% | 4,069 |
| Net loans and leases to core deposits | 80.1350% | 4,191 |
| Total domestic deposits to total assets | 91.6196% | 367 |
| Equity capital to assets | 8.0576% | 6,434 |
| Core capital (leverage) ratio | 7.9544% | 6,263 |
| Tier 1 risk-based capital ratio | 11.3387% | 6,049 |
| Total risk-based capital ratio | 12.5906% | 6,046 |
| Memoranda: | ||
| Average total assets | $126,364,000 | 4,342 |
| Average earning assets | $112,481,000 | 4,412 |
| Average equity | $10,566,200 | 4,967 |
| Average total loans | $96,135,000 | 3,893 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4102% | 403 |
| Cost of funding earning assets | 1.2412% | 4,615 |
| Net interest margin | 5.1690% | 317 |
| Noninterest income to average assets | 0.5378% | 3,882 |
| Noninterest expense to average assets | 3.8565% | 1,268 |
| Loan and lease loss provision to assets | 0.9521% | 1,574 |
| Net operating income to assets | 0.3153% | 5,108 |
| Return on assets (ROA) | 0.3153% | 5,279 |
| Pretax return on assets | 0.3153% | 5,462 |
| Return on Equity (ROE) | 3.7347% | 4,899 |
| Retained earnings to average equity (ytd only) | -1.9430% | 6,190 |
| Net charge-offs to loans | 0.5435% | 3,125 |
| Credit loss provision to net charge-offs | 225.1889% | 1,530 |
| Earnings coverage of net charge-offs (x) | 2.9975% | 3,630 |
| Efficiency ratio | 75.2650% | 3,090 |
| Assets per employee ($millions) | 2.7820% | 6,622 |
| Cash dividends to net income (ytd only)* | 152.0271% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 4,340 |
| Loan loss allowance to noncurrent loans | 39.5180% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 3.7942% | 1,876 |
| Noncurrent loans to loans | 3.6028% | 2,172 |
| Net loans and leases to total assets | 72.0687% | 2,237 |
| Net loans and leases to deposits | 78.6000% | 3,710 |
| Net loans and leases to core deposits | 82.8406% | 4,107 |
| Total domestic deposits to total assets | 91.6904% | 257 |
| Equity capital to assets | 7.9983% | 6,805 |
| Core capital (leverage) ratio | 8.0930% | 6,211 |
| Tier 1 risk-based capital ratio | 10.6382% | 6,680 |
| Total risk-based capital ratio | 11.8894% | 6,670 |
| Memoranda: | ||
| Average total assets | $125,188,000 | 4,437 |
| Average earning assets | $111,070,250 | 4,504 |
| Average equity | $10,567,500 | 5,034 |
| Average total loans | $97,397,000 | 3,935 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5747% | 301 |
| Cost of funding earning assets | 1.3234% | 4,393 |
| Net interest margin | 5.2514% | 267 |
| Noninterest income to average assets | 0.5092% | 4,037 |
| Noninterest expense to average assets | 3.9438% | 1,107 |
| Loan and lease loss provision to assets | 1.2632% | 1,102 |
| Net operating income to assets | -0.0454% | 6,144 |
| Return on assets (ROA) | -0.0454% | 6,235 |
| Pretax return on assets | -0.0454% | 6,194 |
| Return on Equity (ROE) | -0.5281% | 6,260 |
| Retained earnings to average equity (ytd only) | -9.0155% | 6,869 |
| Net charge-offs to loans | 0.8000% | 2,244 |
| Credit loss provision to net charge-offs | 198.7245% | 1,987 |
| Earnings coverage of net charge-offs (x) | 1.9158% | 4,083 |
| Efficiency ratio | 76.4059% | 2,999 |
| Assets per employee ($millions) | 2.3960% | 7,234 |
| Cash dividends to net income (ytd only)* | -1,607.1429% | 7,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 5,012 |
| Loan loss allowance to noncurrent loans | 46.1453% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 3.4705% | 2,026 |
| Noncurrent loans to loans | 2.7829% | 2,874 |
| Net loans and leases to total assets | 77.1835% | 1,259 |
| Net loans and leases to deposits | 84.3650% | 2,807 |
| Net loans and leases to core deposits | 90.4249% | 3,196 |
| Total domestic deposits to total assets | 91.4876% | 330 |
| Equity capital to assets | 8.1593% | 6,586 |
| Core capital (leverage) ratio | 8.0083% | 6,265 |
| Tier 1 risk-based capital ratio | 10.0144% | 7,017 |
| Total risk-based capital ratio | 11.2559% | 7,004 |
| Memoranda: | ||
| Average total assets | $123,333,000 | 4,501 |
| Average earning assets | $109,267,000 | 4,576 |
| Average equity | $10,604,000 | 5,029 |
| Average total loans | $97,998,330 | 3,963 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8265% | 216 |
| Cost of funding earning assets | 1.3506% | 4,488 |
| Net interest margin | 5.4759% | 183 |
| Noninterest income to average assets | 0.5151% | 3,933 |
| Noninterest expense to average assets | 3.8923% | 1,180 |
| Loan and lease loss provision to assets | 0.1630% | 4,896 |
| Net operating income to assets | 1.3235% | 1,238 |
| Return on assets (ROA) | 1.3235% | 1,312 |
| Pretax return on assets | 1.3235% | 1,986 |
| Return on Equity (ROE) | 15.0051% | 874 |
| Retained earnings to average equity (ytd only) | 15.0051% | 410 |
| Net charge-offs to loans | 0.0977% | 4,442 |
| Credit loss provision to net charge-offs | 208.3333% | 1,786 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,216 |
| Efficiency ratio | 72.3636% | 3,863 |
| Assets per employee ($millions) | 2.3700% | 7,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 6,828 |
| Loan loss allowance to noncurrent loans | 51.9556% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.4266% | 2,996 |
| Noncurrent loans to loans | 1.7386% | 4,143 |
| Net loans and leases to total assets | 80.7777% | 740 |
| Net loans and leases to deposits | 89.2150% | 2,033 |
| Net loans and leases to core deposits | 98.9180% | 2,245 |
| Total domestic deposits to total assets | 90.5427% | 717 |
| Equity capital to assets | 9.1230% | 5,102 |
| Core capital (leverage) ratio | 8.9225% | 4,693 |
| Tier 1 risk-based capital ratio | 10.8972% | 6,253 |
| Total risk-based capital ratio | 11.7809% | 6,591 |
| Memoranda: | ||
| Average total assets | $122,702,500 | 4,565 |
| Average earning assets | $108,986,500 | 4,635 |
| Average equity | $10,823,000 | 5,020 |
| Average total loans | $98,289,000 | 4,007 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3273% | 167 |
| Cost of funding earning assets | 1.6482% | 4,804 |
| Net interest margin | 5.6791% | 153 |
| Noninterest income to average assets | 0.5514% | 4,011 |
| Noninterest expense to average assets | 3.9174% | 1,486 |
| Loan and lease loss provision to assets | 0.1876% | 5,846 |
| Net operating income to assets | 1.4032% | 846 |
| Return on assets (ROA) | 1.4032% | 907 |
| Pretax return on assets | 1.4032% | 1,434 |
| Return on Equity (ROE) | 16.4249% | 510 |
| Retained earnings to average equity (ytd only) | 5.5681% | 1,546 |
| Net charge-offs to loans | 0.2967% | 4,778 |
| Credit loss provision to net charge-offs | 80.0000% | 6,279 |
| Earnings coverage of net charge-offs (x) | 6.7825% | 2,288 |
| Efficiency ratio | 71.1191% | 4,425 |
| Assets per employee ($millions) | 2.4907% | 7,217 |
| Cash dividends to net income (ytd only)* | 66.0997% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 6,890 |
| Loan loss allowance to noncurrent loans | 67.7647% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.9384% | 3,472 |
| Noncurrent loans to loans | 1.3003% | 4,756 |
| Net loans and leases to total assets | 78.0407% | 1,372 |
| Net loans and leases to deposits | 85.7574% | 2,955 |
| Net loans and leases to core deposits | 116.3468% | 2,280 |
| Total domestic deposits to total assets | 91.0017% | 532 |
| Equity capital to assets | 8.5269% | 5,839 |
| Core capital (leverage) ratio | 8.3019% | 5,612 |
| Tier 1 risk-based capital ratio | 10.6198% | 6,279 |
| Total risk-based capital ratio | 11.4879% | 6,614 |
| Memoranda: | ||
| Average total assets | $121,510,600 | 4,522 |
| Average earning assets | $106,054,800 | 4,678 |
| Average equity | $10,380,600 | 5,198 |
| Average total loans | $96,056,400 | 4,060 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5594% | 132 |
| Cost of funding earning assets | 1.7088% | 4,852 |
| Net interest margin | 5.8505% | 127 |
| Noninterest income to average assets | 0.5686% | 3,935 |
| Noninterest expense to average assets | 4.0036% | 1,270 |
| Loan and lease loss provision to assets | 0.2076% | 5,319 |
| Net operating income to assets | 1.4343% | 960 |
| Return on assets (ROA) | 1.4343% | 1,020 |
| Pretax return on assets | 1.4343% | 1,611 |
| Return on Equity (ROE) | 16.7809% | 568 |
| Retained earnings to average equity (ytd only) | 5.1544% | 2,400 |
| Net charge-offs to loans | 0.1074% | 5,593 |
| Credit loss provision to net charge-offs | 244.1558% | 1,780 |
| Earnings coverage of net charge-offs (x) | 19.3125% | 1,302 |
| Efficiency ratio | 70.9173% | 4,437 |
| Assets per employee ($millions) | 2.5436% | 7,157 |
| Cash dividends to net income (ytd only)* | 69.2839% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 5,932 |
| Loan loss allowance to noncurrent loans | 132.3077% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 1.3399% | 4,409 |
| Noncurrent loans to loans | 0.8052% | 5,693 |
| Net loans and leases to total assets | 76.8985% | 1,804 |
| Net loans and leases to deposits | 84.4024% | 3,587 |
| Net loans and leases to core deposits | 112.8001% | 2,950 |
| Total domestic deposits to total assets | 91.1094% | 381 |
| Equity capital to assets | 8.3972% | 6,388 |
| Core capital (leverage) ratio | 8.1846% | 6,045 |
| Tier 1 risk-based capital ratio | 10.6327% | 6,312 |
| Total risk-based capital ratio | 11.6890% | 6,486 |
| Memoranda: | ||
| Average total assets | $120,754,500 | 4,573 |
| Average earning assets | $104,785,250 | 4,744 |
| Average equity | $10,321,000 | 5,254 |
| Average total loans | $95,557,500 | 4,097 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7078% | 122 |
| Cost of funding earning assets | 1.9363% | 4,083 |
| Net interest margin | 5.7716% | 128 |
| Noninterest income to average assets | 0.6499% | 3,345 |
| Noninterest expense to average assets | 3.6758% | 1,886 |
| Loan and lease loss provision to assets | 0.1422% | 5,644 |
| Net operating income to assets | 1.7352% | 530 |
| Return on assets (ROA) | 1.7352% | 573 |
| Pretax return on assets | 1.7352% | 961 |
| Return on Equity (ROE) | 20.0801% | 336 |
| Retained earnings to average equity (ytd only) | 6.3191% | 1,874 |
| Net charge-offs to loans | 0.0650% | 5,591 |
| Credit loss provision to net charge-offs | 273.9130% | 1,710 |
| Earnings coverage of net charge-offs (x) | 36.1739% | 877 |
| Efficiency ratio | 66.1926% | 5,518 |
| Assets per employee ($millions) | 2.6651% | 6,914 |
| Cash dividends to net income (ytd only)* | 68.5306% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 6,375 |
| Loan loss allowance to noncurrent loans | 137.6200% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 1.1729% | 4,597 |
| Noncurrent loans to loans | 0.7126% | 5,812 |
| Net loans and leases to total assets | 77.6151% | 1,835 |
| Net loans and leases to deposits | 85.0559% | 3,719 |
| Net loans and leases to core deposits | 123.2436% | 2,091 |
| Total domestic deposits to total assets | 91.2519% | 391 |
| Equity capital to assets | 8.2475% | 6,419 |
| Core capital (leverage) ratio | 8.5508% | 5,358 |
| Tier 1 risk-based capital ratio | 10.1751% | 6,739 |
| Total risk-based capital ratio | 11.1281% | 6,995 |
| Memoranda: | ||
| Average total assets | $88,634,000 | 5,509 |
| Average earning assets | $75,300,000 | 5,700 |
| Average equity | $7,659,330 | 6,130 |
| Average total loans | $70,793,670 | 4,923 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7561% | 121 |
| Cost of funding earning assets | 1.9551% | 4,355 |
| Net interest margin | 5.8010% | 125 |
| Noninterest income to average assets | 0.6117% | 3,466 |
| Noninterest expense to average assets | 3.7816% | 1,504 |
| Loan and lease loss provision to assets | 0.1066% | 5,602 |
| Net operating income to assets | 1.7425% | 592 |
| Return on assets (ROA) | 1.7425% | 645 |
| Pretax return on assets | 1.7425% | 1,096 |
| Return on Equity (ROE) | 19.6794% | 444 |
| Retained earnings to average equity (ytd only) | 19.6794% | 169 |
| Net charge-offs to loans | 0.1091% | 4,100 |
| Credit loss provision to net charge-offs | 121.0526% | 3,254 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,348 |
| Efficiency ratio | 67.1605% | 5,110 |
| Assets per employee ($millions) | 2.5414% | 7,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 6,383 |
| Loan loss allowance to noncurrent loans | 175.9690% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 4,559 |
| Noncurrent loans to loans | 0.5499% | 6,041 |
| Net loans and leases to total assets | 80.6669% | 1,262 |
| Net loans and leases to deposits | 89.1830% | 3,076 |
| Net loans and leases to core deposits | 133.6984% | 1,431 |
| Total domestic deposits to total assets | 90.4509% | 618 |
| Equity capital to assets | 9.0943% | 5,235 |
| Core capital (leverage) ratio | 9.0023% | 4,711 |
| Tier 1 risk-based capital ratio | 10.6861% | 6,201 |
| Total risk-based capital ratio | 11.6204% | 6,439 |
| Memoranda: | ||
| Average total assets | $86,312,500 | 5,595 |
| Average earning assets | $74,676,500 | 5,746 |
| Average equity | $7,642,500 | 6,176 |
| Average total loans | $69,633,500 | 4,999 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0215% | 185 |
| Cost of funding earning assets | 2.4674% | 4,381 |
| Net interest margin | 5.5541% | 191 |
| Noninterest income to average assets | 0.7394% | 2,848 |
| Noninterest expense to average assets | 3.5109% | 2,365 |
| Loan and lease loss provision to assets | 0.0499% | 6,789 |
| Net operating income to assets | 1.8225% | 532 |
| Return on assets (ROA) | 1.8624% | 458 |
| Pretax return on assets | 1.8624% | 827 |
| Return on Equity (ROE) | 23.0554% | 208 |
| Retained earnings to average equity (ytd only) | 4.5287% | 2,307 |
| Net charge-offs to loans | 0.1029% | 5,280 |
| Credit loss provision to net charge-offs | 63.3803% | 6,184 |
| Earnings coverage of net charge-offs (x) | 23.7887% | 1,403 |
| Efficiency ratio | 65.2183% | 5,274 |
| Assets per employee ($millions) | 2.6127% | 6,983 |
| Cash dividends to net income (ytd only)* | 80.3571% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 6,188 |
| Loan loss allowance to noncurrent loans | 205.1515% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 1.0160% | 4,287 |
| Noncurrent loans to loans | 0.4791% | 5,913 |
| Net loans and leases to total assets | 79.1102% | 1,860 |
| Net loans and leases to deposits | 87.2817% | 3,898 |
| Net loans and leases to core deposits | 130.3744% | 1,824 |
| Total domestic deposits to total assets | 90.6378% | 447 |
| Equity capital to assets | 8.6141% | 5,912 |
| Core capital (leverage) ratio | 8.1740% | 6,218 |
| Tier 1 risk-based capital ratio | 10.2803% | 6,441 |
| Total risk-based capital ratio | 11.2191% | 6,654 |
| Memoranda: | ||
| Average total assets | $90,204,600 | 5,347 |
| Average earning assets | $75,422,400 | 5,613 |
| Average equity | $7,286,800 | 6,355 |
| Average total loans | $69,010,400 | 4,905 |