Home > North Central Bank > Performance and Condition Ratios
North Central 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 | 4.4254% | 3,234 |
| Cost of funding earning assets | 1.1619% | 2,905 |
| Net interest margin | 3.2635% | 2,725 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.3520% | 2,715 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1789% | 1,699 |
| Return on assets (ROA) | 1.1789% | 1,673 |
| Pretax return on assets | 1.1963% | 2,147 |
| Return on Equity (ROE) | 12.0200% | 1,949 |
| Retained earnings to average equity (ytd only) | 5.1030% | 2,575 |
| Net charge-offs to loans | -0.0011% | 3,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.0992% | 2,462 |
| Assets per employee ($millions) | 6.3874% | 2,488 |
| Cash dividends to net income (ytd only)* | 57.5342% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 949 |
| Loan loss allowance to noncurrent loans | 1,220.0000% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,081 |
| Noncurrent loans to loans | 0.1267% | 2,887 |
| Net loans and leases to total assets | 55.7600% | 3,215 |
| Net loans and leases to deposits | 64.0138% | 3,288 |
| Net loans and leases to core deposits | 69.7072% | 3,324 |
| Total domestic deposits to total assets | 87.1000% | 1,646 |
| Equity capital to assets | 10.8828% | 1,535 |
| Core capital (leverage) ratio | 12.2099% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $154,807,200 | 3,317 |
| Average earning assets | $141,841,800 | 3,327 |
| Average equity | $15,187,200 | 3,249 |
| Average total loans | $88,819,000 | 3,305 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 3,374 |
| Cost of funding earning assets | 1.0598% | 2,862 |
| Net interest margin | 3.1905% | 2,938 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.3679% | 2,604 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.0095% | 2,342 |
| Return on assets (ROA) | 1.0095% | 2,325 |
| Pretax return on assets | 1.0267% | 2,777 |
| Return on Equity (ROE) | 10.5800% | 2,487 |
| Retained earnings to average equity (ytd only) | 1.6201% | 3,815 |
| Net charge-offs to loans | -0.0015% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.7959% | 2,179 |
| Assets per employee ($millions) | 6.5343% | 2,306 |
| Cash dividends to net income (ytd only)* | 84.6809% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 892 |
| Loan loss allowance to noncurrent loans | 67.4441% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.3980% | 282 |
| Noncurrent loans to loans | 2.3661% | 212 |
| Net loans and leases to total assets | 58.1400% | 3,020 |
| Net loans and leases to deposits | 65.5720% | 3,164 |
| Net loans and leases to core deposits | 72.0357% | 3,105 |
| Total domestic deposits to total assets | 88.6700% | 1,352 |
| Equity capital to assets | 9.3832% | 2,175 |
| Core capital (leverage) ratio | 11.5105% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $155,184,750 | 3,327 |
| Average earning assets | $142,669,750 | 3,324 |
| Average equity | $14,813,250 | 3,278 |
| Average total loans | $89,319,000 | 3,297 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 3,498 |
| Cost of funding earning assets | 0.9635% | 2,725 |
| Net interest margin | 3.1344% | 3,143 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.3237% | 2,730 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.9132% | 2,713 |
| Return on assets (ROA) | 0.9132% | 2,695 |
| Pretax return on assets | 0.9298% | 3,098 |
| Return on Equity (ROE) | 9.5100% | 2,829 |
| Retained earnings to average equity (ytd only) | -1.6877% | 4,268 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8379% | 2,128 |
| Assets per employee ($millions) | 6.8617% | 2,032 |
| Cash dividends to net income (ytd only)* | 117.7374% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 899 |
| Loan loss allowance to noncurrent loans | 67.5573% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.3281% | 289 |
| Noncurrent loans to loans | 2.3964% | 199 |
| Net loans and leases to total assets | 54.5200% | 3,230 |
| Net loans and leases to deposits | 61.4615% | 3,341 |
| Net loans and leases to core deposits | 65.9170% | 3,354 |
| Total domestic deposits to total assets | 88.7100% | 1,345 |
| Equity capital to assets | 9.4620% | 2,178 |
| Core capital (leverage) ratio | 11.1875% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $156,816,333 | 3,329 |
| Average earning assets | $144,270,667 | 3,320 |
| Average equity | $15,050,333 | 3,263 |
| Average total loans | $89,493,000 | 3,302 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 3,486 |
| Cost of funding earning assets | 0.8941% | 2,387 |
| Net interest margin | 3.0891% | 3,375 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.4028% | 2,521 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9161% | 2,802 |
| Return on assets (ROA) | 0.9161% | 2,757 |
| Pretax return on assets | 0.9340% | 3,161 |
| Return on Equity (ROE) | 9.4800% | 2,925 |
| Retained earnings to average equity (ytd only) | -7.5981% | 4,419 |
| Net charge-offs to loans | 0.0044% | 1,816 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 390.0000% | 282 |
| Efficiency ratio | 70.6546% | 1,683 |
| Assets per employee ($millions) | 6.8301% | 2,093 |
| Cash dividends to net income (ytd only)* | 180.1676% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 1,464 |
| Loan loss allowance to noncurrent loans | 52.8404% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.5239% | 212 |
| Noncurrent loans to loans | 2.7223% | 170 |
| Net loans and leases to total assets | 55.1700% | 3,101 |
| Net loans and leases to deposits | 64.7817% | 3,029 |
| Net loans and leases to core deposits | 69.0976% | 3,015 |
| Total domestic deposits to total assets | 85.1700% | 2,813 |
| Equity capital to assets | 9.5478% | 2,103 |
| Core capital (leverage) ratio | 11.1619% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $156,314,500 | 3,373 |
| Average earning assets | $143,602,000 | 3,366 |
| Average equity | $15,109,000 | 3,296 |
| Average total loans | $90,507,500 | 3,326 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 3,009 |
| Cost of funding earning assets | 0.3357% | 2,586 |
| Net interest margin | 3.1915% | 2,888 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.3548% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1862% | 1,826 |
| Return on assets (ROA) | 1.1862% | 1,762 |
| Pretax return on assets | 1.2023% | 2,429 |
| Return on Equity (ROE) | 11.4400% | 2,323 |
| Retained earnings to average equity (ytd only) | 4.4250% | 3,258 |
| Net charge-offs to loans | 0.0067% | 2,161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 309.3333% | 478 |
| Efficiency ratio | 65.5983% | 2,281 |
| Assets per employee ($millions) | 6.2214% | 2,574 |
| Cash dividends to net income (ytd only)* | 61.3326% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 1,577 |
| Loan loss allowance to noncurrent loans | 1,757.5342% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 3,343 |
| Noncurrent loans to loans | 0.0784% | 3,195 |
| Net loans and leases to total assets | 59.0200% | 2,729 |
| Net loans and leases to deposits | 70.4561% | 2,542 |
| Net loans and leases to core deposits | 74.8958% | 2,502 |
| Total domestic deposits to total assets | 83.7600% | 3,262 |
| Equity capital to assets | 9.7849% | 1,832 |
| Core capital (leverage) ratio | 11.5318% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $154,364,800 | 3,401 |
| Average earning assets | $141,501,600 | 3,403 |
| Average equity | $16,000,000 | 3,271 |
| Average total loans | $89,837,200 | 3,292 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4204% | 2,860 |
| Cost of funding earning assets | 0.2562% | 2,642 |
| Net interest margin | 3.1642% | 2,733 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.3322% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1916% | 1,731 |
| Return on assets (ROA) | 1.1916% | 1,706 |
| Pretax return on assets | 1.2081% | 2,337 |
| Return on Equity (ROE) | 11.3400% | 2,255 |
| Retained earnings to average equity (ytd only) | 2.0911% | 4,008 |
| Net charge-offs to loans | 0.0075% | 1,860 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 279.2000% | 501 |
| Efficiency ratio | 65.2652% | 2,376 |
| Assets per employee ($millions) | 6.2004% | 2,575 |
| Cash dividends to net income (ytd only)* | 81.5541% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,546 |
| Loan loss allowance to noncurrent loans | 1,585.1852% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 3,358 |
| Noncurrent loans to loans | 0.0896% | 3,239 |
| Net loans and leases to total assets | 57.5000% | 2,758 |
| Net loans and leases to deposits | 68.3676% | 2,506 |
| Net loans and leases to core deposits | 71.1563% | 2,555 |
| Total domestic deposits to total assets | 84.1000% | 3,485 |
| Equity capital to assets | 8.9104% | 2,274 |
| Core capital (leverage) ratio | 11.2088% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $154,072,000 | 3,427 |
| Average earning assets | $141,034,250 | 3,437 |
| Average equity | $16,195,250 | 3,296 |
| Average total loans | $89,027,500 | 3,316 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2996% | 2,741 |
| Cost of funding earning assets | 0.2195% | 2,648 |
| Net interest margin | 3.0801% | 2,601 |
| Noninterest income to average assets | 0.6452% | 1,564 |
| Noninterest expense to average assets | 2.2607% | 2,669 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1785% | 1,505 |
| Return on assets (ROA) | 1.1785% | 1,480 |
| Pretax return on assets | 1.1954% | 2,093 |
| Return on Equity (ROE) | 10.6653% | 2,108 |
| Retained earnings to average equity (ytd only) | -0.7181% | 4,268 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7723% | 2,670 |
| Assets per employee ($millions) | 6.3716% | 2,413 |
| Cash dividends to net income (ytd only)* | 106.7329% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,629 |
| Loan loss allowance to noncurrent loans | 1,481.6092% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 3,436 |
| Noncurrent loans to loans | 0.0967% | 3,284 |
| Net loans and leases to total assets | 55.6881% | 2,788 |
| Net loans and leases to deposits | 66.1464% | 2,537 |
| Net loans and leases to core deposits | 68.2388% | 2,632 |
| Total domestic deposits to total assets | 84.1891% | 3,649 |
| Equity capital to assets | 9.0722% | 2,342 |
| Core capital (leverage) ratio | 10.7436% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,759,333 | 3,465 |
| Average earning assets | $140,321,000 | 3,489 |
| Average equity | $16,989,667 | 3,325 |
| Average total loans | $88,567,333 | 3,345 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2381% | 2,576 |
| Cost of funding earning assets | 0.1951% | 2,861 |
| Net interest margin | 3.0430% | 2,354 |
| Noninterest income to average assets | 0.6570% | 1,457 |
| Noninterest expense to average assets | 2.3577% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0517% | 1,684 |
| Return on assets (ROA) | 1.0517% | 1,675 |
| Pretax return on assets | 1.0676% | 2,240 |
| Return on Equity (ROE) | 8.6971% | 2,440 |
| Retained earnings to average equity (ytd only) | -7.0760% | 4,491 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1361% | 2,489 |
| Assets per employee ($millions) | 6.5080% | 2,377 |
| Cash dividends to net income (ytd only)* | 181.3602% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 1,669 |
| Loan loss allowance to noncurrent loans | 1,464.7727% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,483 |
| Noncurrent loans to loans | 0.1000% | 3,341 |
| Net loans and leases to total assets | 55.5102% | 2,575 |
| Net loans and leases to deposits | 67.4532% | 2,203 |
| Net loans and leases to core deposits | 69.6807% | 2,319 |
| Total domestic deposits to total assets | 82.2943% | 4,045 |
| Equity capital to assets | 10.8699% | 1,398 |
| Core capital (leverage) ratio | 11.4223% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,994,500 | 3,503 |
| Average earning assets | $137,363,500 | 3,528 |
| Average equity | $18,259,000 | 3,304 |
| Average total loans | $87,854,000 | 3,361 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3988% | 2,936 |
| Cost of funding earning assets | 0.2445% | 3,000 |
| Net interest margin | 3.1543% | 2,726 |
| Noninterest income to average assets | 0.7414% | 1,620 |
| Noninterest expense to average assets | 2.2937% | 2,815 |
| Loan and lease loss provision to assets | 0.0070% | 2,941 |
| Net operating income to assets | 1.3042% | 1,583 |
| Return on assets (ROA) | 1.3407% | 1,508 |
| Pretax return on assets | 1.3602% | 2,172 |
| Return on Equity (ROE) | 9.9460% | 2,544 |
| Retained earnings to average equity (ytd only) | 5.1227% | 2,737 |
| Net charge-offs to loans | 0.0074% | 2,302 |
| Credit loss provision to net charge-offs | 166.6667% | 1,424 |
| Earnings coverage of net charge-offs (x) | 318.5000% | 386 |
| Efficiency ratio | 62.6585% | 2,769 |
| Assets per employee ($millions) | 6.0748% | 2,690 |
| Cash dividends to net income (ytd only)* | 48.4943% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,664 |
| Loan loss allowance to noncurrent loans | 1,007.0313% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 3,324 |
| Noncurrent loans to loans | 0.1459% | 3,210 |
| Net loans and leases to total assets | 59.2794% | 2,230 |
| Net loans and leases to deposits | 74.9324% | 1,647 |
| Net loans and leases to core deposits | 77.5909% | 1,794 |
| Total domestic deposits to total assets | 79.1105% | 4,307 |
| Equity capital to assets | 13.4023% | 790 |
| Core capital (leverage) ratio | 11.4159% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,654,800 | 3,551 |
| Average earning assets | $131,282,800 | 3,556 |
| Average equity | $19,364,600 | 3,269 |
| Average total loans | $81,042,400 | 3,461 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 3,357 |
| Cost of funding earning assets | 0.2550% | 3,072 |
| Net interest margin | 3.0564% | 3,159 |
| Noninterest income to average assets | 0.7322% | 1,722 |
| Noninterest expense to average assets | 2.3262% | 2,670 |
| Loan and lease loss provision to assets | 0.0091% | 2,809 |
| Net operating income to assets | 1.1859% | 2,217 |
| Return on assets (ROA) | 1.1859% | 2,270 |
| Pretax return on assets | 1.1999% | 2,933 |
| Return on Equity (ROE) | 8.7848% | 3,171 |
| Retained earnings to average equity (ytd only) | 2.3394% | 4,099 |
| Net charge-offs to loans | 0.0101% | 1,945 |
| Credit loss provision to net charge-offs | 166.6667% | 1,292 |
| Earnings coverage of net charge-offs (x) | 216.3333% | 527 |
| Efficiency ratio | 65.1383% | 2,227 |
| Assets per employee ($millions) | 6.4045% | 2,332 |
| Cash dividends to net income (ytd only)* | 73.3700% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,469 |
| Loan loss allowance to noncurrent loans | 539.3305% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 3,081 |
| Noncurrent loans to loans | 0.2870% | 2,767 |
| Net loans and leases to total assets | 53.3326% | 3,046 |
| Net loans and leases to deposits | 65.3159% | 2,694 |
| Net loans and leases to core deposits | 67.7488% | 2,803 |
| Total domestic deposits to total assets | 81.6534% | 3,987 |
| Equity capital to assets | 12.6104% | 1,131 |
| Core capital (leverage) ratio | 11.1406% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,119,500 | 3,591 |
| Average earning assets | $131,260,750 | 3,604 |
| Average equity | $19,320,750 | 3,310 |
| Average total loans | $79,374,000 | 3,538 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3456% | 3,322 |
| Cost of funding earning assets | 0.2726% | 3,063 |
| Net interest margin | 3.0731% | 3,106 |
| Noninterest income to average assets | 0.6978% | 1,814 |
| Noninterest expense to average assets | 2.3727% | 2,549 |
| Loan and lease loss provision to assets | 0.0143% | 2,667 |
| Net operating income to assets | 1.1233% | 2,456 |
| Return on assets (ROA) | 1.1233% | 2,525 |
| Pretax return on assets | 1.1376% | 3,096 |
| Return on Equity (ROE) | 8.1244% | 3,375 |
| Retained earnings to average equity (ytd only) | 0.0104% | 4,510 |
| Net charge-offs to loans | 0.0077% | 1,854 |
| Credit loss provision to net charge-offs | 333.3333% | 841 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 405 |
| Efficiency ratio | 66.5854% | 2,070 |
| Assets per employee ($millions) | 6.2317% | 2,403 |
| Cash dividends to net income (ytd only)* | 99.8724% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 1,154 |
| Loan loss allowance to noncurrent loans | 549.7872% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 3,210 |
| Noncurrent loans to loans | 0.3017% | 2,848 |
| Net loans and leases to total assets | 51.2146% | 3,428 |
| Net loans and leases to deposits | 62.8860% | 3,115 |
| Net loans and leases to core deposits | 65.3781% | 3,167 |
| Total domestic deposits to total assets | 81.4403% | 4,023 |
| Equity capital to assets | 12.7018% | 1,046 |
| Core capital (leverage) ratio | 11.9564% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,590,333 | 3,638 |
| Average earning assets | $128,406,000 | 3,643 |
| Average equity | $19,300,000 | 3,304 |
| Average total loans | $78,077,000 | 3,579 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4039% | 3,182 |
| Cost of funding earning assets | 0.2960% | 3,034 |
| Net interest margin | 3.1079% | 2,960 |
| Noninterest income to average assets | 0.7489% | 1,716 |
| Noninterest expense to average assets | 2.5527% | 2,014 |
| Loan and lease loss provision to assets | 0.0297% | 2,396 |
| Net operating income to assets | 1.0223% | 2,739 |
| Return on assets (ROA) | 1.0223% | 2,820 |
| Pretax return on assets | 1.0371% | 3,268 |
| Return on Equity (ROE) | 7.0740% | 3,588 |
| Retained earnings to average equity (ytd only) | -4.8325% | 4,695 |
| Net charge-offs to loans | -0.0051% | 3,405 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6223% | 1,747 |
| Assets per employee ($millions) | 5.7836% | 2,814 |
| Cash dividends to net income (ytd only)* | 168.3140% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 1,105 |
| Loan loss allowance to noncurrent loans | 518.4000% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 3,267 |
| Noncurrent loans to loans | 0.3230% | 2,944 |
| Net loans and leases to total assets | 54.8283% | 3,156 |
| Net loans and leases to deposits | 68.5971% | 2,640 |
| Net loans and leases to core deposits | 71.5058% | 2,745 |
| Total domestic deposits to total assets | 79.9281% | 4,215 |
| Equity capital to assets | 13.8027% | 716 |
| Core capital (leverage) ratio | 12.4687% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,605,000 | 3,692 |
| Average earning assets | $124,328,000 | 3,689 |
| Average equity | $19,451,500 | 3,284 |
| Average total loans | $78,171,000 | 3,604 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 3,669 |
| Cost of funding earning assets | 0.3975% | 3,599 |
| Net interest margin | 3.2656% | 3,169 |
| Noninterest income to average assets | 0.8188% | 1,479 |
| Noninterest expense to average assets | 2.3911% | 3,159 |
| Loan and lease loss provision to assets | 0.0195% | 4,147 |
| Net operating income to assets | 1.3933% | 1,034 |
| Return on assets (ROA) | 1.4018% | 1,103 |
| Pretax return on assets | 1.4158% | 1,607 |
| Return on Equity (ROE) | 9.8133% | 2,072 |
| Retained earnings to average equity (ytd only) | 7.8191% | 1,109 |
| Net charge-offs to loans | 0.0121% | 2,897 |
| Credit loss provision to net charge-offs | 277.7778% | 1,809 |
| Earnings coverage of net charge-offs (x) | 203.6667% | 464 |
| Efficiency ratio | 62.1611% | 3,097 |
| Assets per employee ($millions) | 5.4335% | 2,912 |
| Cash dividends to net income (ytd only)* | 20.3220% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 1,223 |
| Loan loss allowance to noncurrent loans | 518.1452% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 3,332 |
| Noncurrent loans to loans | 0.3142% | 3,073 |
| Net loans and leases to total assets | 59.5503% | 2,915 |
| Net loans and leases to deposits | 76.3925% | 2,241 |
| Net loans and leases to core deposits | 79.9366% | 2,365 |
| Total domestic deposits to total assets | 77.9531% | 4,325 |
| Equity capital to assets | 15.1406% | 549 |
| Core capital (leverage) ratio | 12.9140% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,478,200 | 3,643 |
| Average earning assets | $117,987,800 | 3,645 |
| Average equity | $18,352,600 | 3,339 |
| Average total loans | $74,459,800 | 3,653 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7284% | 3,736 |
| Cost of funding earning assets | 0.4189% | 3,711 |
| Net interest margin | 3.3095% | 3,160 |
| Noninterest income to average assets | 0.7875% | 1,544 |
| Noninterest expense to average assets | 2.3771% | 3,202 |
| Loan and lease loss provision to assets | 0.0258% | 4,019 |
| Net operating income to assets | 1.4064% | 1,083 |
| Return on assets (ROA) | 1.4177% | 1,152 |
| Pretax return on assets | 1.4323% | 1,629 |
| Return on Equity (ROE) | 10.0786% | 1,989 |
| Retained earnings to average equity (ytd only) | 7.3682% | 1,555 |
| Net charge-offs to loans | 0.0109% | 2,716 |
| Credit loss provision to net charge-offs | 416.6667% | 1,429 |
| Earnings coverage of net charge-offs (x) | 231.5000% | 445 |
| Efficiency ratio | 61.7270% | 3,119 |
| Assets per employee ($millions) | 5.6237% | 2,608 |
| Cash dividends to net income (ytd only)* | 26.8920% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 836 |
| Loan loss allowance to noncurrent loans | 507.0866% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 3,491 |
| Noncurrent loans to loans | 0.3415% | 3,059 |
| Net loans and leases to total assets | 54.1610% | 3,787 |
| Net loans and leases to deposits | 68.3484% | 3,443 |
| Net loans and leases to core deposits | 71.3519% | 3,530 |
| Total domestic deposits to total assets | 79.2425% | 4,014 |
| Equity capital to assets | 14.2293% | 801 |
| Core capital (leverage) ratio | 12.6683% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,996,750 | 3,641 |
| Average earning assets | $117,438,500 | 3,641 |
| Average equity | $18,004,750 | 3,369 |
| Average total loans | $73,339,500 | 3,680 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8979% | 3,625 |
| Cost of funding earning assets | 0.4412% | 3,837 |
| Net interest margin | 3.4567% | 2,929 |
| Noninterest income to average assets | 0.7973% | 1,444 |
| Noninterest expense to average assets | 2.5797% | 2,734 |
| Loan and lease loss provision to assets | 0.0398% | 3,781 |
| Net operating income to assets | 1.3433% | 1,241 |
| Return on assets (ROA) | 1.3607% | 1,293 |
| Pretax return on assets | 1.3750% | 1,788 |
| Return on Equity (ROE) | 9.7133% | 2,074 |
| Retained earnings to average equity (ytd only) | 6.6687% | 1,790 |
| Net charge-offs to loans | 0.0110% | 2,558 |
| Credit loss provision to net charge-offs | 625.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 219.5000% | 413 |
| Efficiency ratio | 64.4658% | 2,756 |
| Assets per employee ($millions) | 5.6744% | 2,466 |
| Cash dividends to net income (ytd only)* | 31.3450% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 703 |
| Loan loss allowance to noncurrent loans | 511.9048% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 2,486 |
| Noncurrent loans to loans | 0.3457% | 3,160 |
| Net loans and leases to total assets | 52.5818% | 3,985 |
| Net loans and leases to deposits | 65.8322% | 3,738 |
| Net loans and leases to core deposits | 68.7016% | 3,818 |
| Total domestic deposits to total assets | 79.8724% | 3,863 |
| Equity capital to assets | 13.6923% | 931 |
| Core capital (leverage) ratio | 12.7233% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,673,000 | 3,651 |
| Average earning assets | $115,601,000 | 3,656 |
| Average equity | $17,604,667 | 3,404 |
| Average total loans | $72,990,000 | 3,695 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 3,614 |
| Cost of funding earning assets | 0.4843% | 4,014 |
| Net interest margin | 3.5813% | 2,730 |
| Noninterest income to average assets | 0.6411% | 1,857 |
| Noninterest expense to average assets | 2.7538% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1626% | 1,649 |
| Return on assets (ROA) | 1.1626% | 1,761 |
| Pretax return on assets | 1.1792% | 2,274 |
| Return on Equity (ROE) | 8.1950% | 2,430 |
| Retained earnings to average equity (ytd only) | 4.6126% | 2,452 |
| Net charge-offs to loans | 0.0219% | 1,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 88.7500% | 628 |
| Efficiency ratio | 69.6791% | 2,402 |
| Assets per employee ($millions) | 4.9819% | 2,667 |
| Cash dividends to net income (ytd only)* | 43.7143% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 875 |
| Loan loss allowance to noncurrent loans | 342.8184% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 2,160 |
| Noncurrent loans to loans | 0.4969% | 2,777 |
| Net loans and leases to total assets | 61.0541% | 3,391 |
| Net loans and leases to deposits | 74.5156% | 3,219 |
| Net loans and leases to core deposits | 78.1325% | 3,346 |
| Total domestic deposits to total assets | 81.9347% | 3,443 |
| Equity capital to assets | 14.1278% | 1,021 |
| Core capital (leverage) ratio | 12.6757% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,416,500 | 3,697 |
| Average earning assets | $110,685,500 | 3,707 |
| Average equity | $17,083,500 | 3,461 |
| Average total loans | $73,035,500 | 3,701 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 4,155 |
| Cost of funding earning assets | 0.6059% | 3,614 |
| Net interest margin | 3.4383% | 3,629 |
| Noninterest income to average assets | 0.6377% | 2,054 |
| Noninterest expense to average assets | 2.6529% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1349% | 2,312 |
| Return on assets (ROA) | 1.1276% | 2,442 |
| Pretax return on assets | 1.1423% | 3,036 |
| Return on Equity (ROE) | 8.2547% | 3,055 |
| Retained earnings to average equity (ytd only) | 2.5762% | 3,748 |
| Net charge-offs to loans | 0.0088% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 234.6667% | 354 |
| Efficiency ratio | 69.3365% | 2,272 |
| Assets per employee ($millions) | 5.0528% | 2,521 |
| Cash dividends to net income (ytd only)* | 68.7907% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 701 |
| Loan loss allowance to noncurrent loans | 334.8285% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 2,019 |
| Noncurrent loans to loans | 0.5278% | 2,600 |
| Net loans and leases to total assets | 58.1667% | 3,760 |
| Net loans and leases to deposits | 69.6765% | 3,696 |
| Net loans and leases to core deposits | 72.2663% | 3,842 |
| Total domestic deposits to total assets | 83.4811% | 3,029 |
| Equity capital to assets | 14.2454% | 1,020 |
| Core capital (leverage) ratio | 12.4895% | 1,491 |
| Tier 1 risk-based capital ratio | 15.5891% | 2,545 |
| Total risk-based capital ratio | 16.8393% | 2,484 |
| Memoranda: | ||
| Average total assets | $122,471,800 | 3,659 |
| Average earning assets | $112,731,600 | 3,668 |
| Average equity | $16,729,800 | 3,465 |
| Average total loans | $68,497,000 | 3,802 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9624% | 4,431 |
| Cost of funding earning assets | 0.5580% | 3,882 |
| Net interest margin | 3.4045% | 3,857 |
| Noninterest income to average assets | 0.6342% | 2,053 |
| Noninterest expense to average assets | 2.6422% | 3,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1110% | 2,534 |
| Return on assets (ROA) | 1.1110% | 2,619 |
| Pretax return on assets | 1.1262% | 3,215 |
| Return on Equity (ROE) | 8.2199% | 3,224 |
| Retained earnings to average equity (ytd only) | 4.3952% | 3,197 |
| Net charge-offs to loans | -0.0059% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7118% | 2,160 |
| Assets per employee ($millions) | 4.9955% | 2,570 |
| Cash dividends to net income (ytd only)* | 46.5296% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8707% | 577 |
| Loan loss allowance to noncurrent loans | 219.9656% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 2,328 |
| Noncurrent loans to loans | 0.8505% | 1,880 |
| Net loans and leases to total assets | 53.6777% | 4,207 |
| Net loans and leases to deposits | 64.9716% | 4,126 |
| Net loans and leases to core deposits | 67.3319% | 4,199 |
| Total domestic deposits to total assets | 82.6172% | 3,274 |
| Equity capital to assets | 13.9301% | 1,181 |
| Core capital (leverage) ratio | 12.7530% | 1,460 |
| Tier 1 risk-based capital ratio | 18.7949% | 1,610 |
| Total risk-based capital ratio | 20.0490% | 1,579 |
| Memoranda: | ||
| Average total assets | $122,773,000 | 3,693 |
| Average earning assets | $113,025,250 | 3,697 |
| Average equity | $16,593,500 | 3,508 |
| Average total loans | $67,669,750 | 3,865 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 4,451 |
| Cost of funding earning assets | 0.5334% | 3,963 |
| Net interest margin | 3.4297% | 3,799 |
| Noninterest income to average assets | 0.6341% | 2,007 |
| Noninterest expense to average assets | 2.6346% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1453% | 2,342 |
| Return on assets (ROA) | 1.1453% | 2,419 |
| Pretax return on assets | 1.1600% | 3,036 |
| Return on Equity (ROE) | 8.5632% | 3,042 |
| Retained earnings to average equity (ytd only) | 3.9325% | 3,279 |
| Net charge-offs to loans | -0.0208% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9983% | 2,379 |
| Assets per employee ($millions) | 4.9764% | 2,504 |
| Cash dividends to net income (ytd only)* | 54.0773% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 534 |
| Loan loss allowance to noncurrent loans | 266.5281% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 2,621 |
| Noncurrent loans to loans | 0.7255% | 2,181 |
| Net loans and leases to total assets | 52.2615% | 4,336 |
| Net loans and leases to deposits | 63.0368% | 4,271 |
| Net loans and leases to core deposits | 64.5167% | 4,391 |
| Total domestic deposits to total assets | 82.9064% | 3,235 |
| Equity capital to assets | 13.6734% | 1,251 |
| Core capital (leverage) ratio | 12.3242% | 1,623 |
| Tier 1 risk-based capital ratio | 18.6970% | 1,623 |
| Total risk-based capital ratio | 19.9512% | 1,583 |
| Memoranda: | ||
| Average total assets | $122,068,000 | 3,725 |
| Average earning assets | $112,486,670 | 3,730 |
| Average equity | $16,325,670 | 3,533 |
| Average total loans | $67,454,670 | 3,893 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9598% | 4,458 |
| Cost of funding earning assets | 0.5101% | 4,014 |
| Net interest margin | 3.4496% | 3,749 |
| Noninterest income to average assets | 0.5989% | 2,050 |
| Noninterest expense to average assets | 2.7064% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0753% | 2,562 |
| Return on assets (ROA) | 1.0753% | 2,610 |
| Pretax return on assets | 1.0918% | 3,175 |
| Return on Equity (ROE) | 8.1336% | 3,202 |
| Retained earnings to average equity (ytd only) | 3.5538% | 3,491 |
| Net charge-offs to loans | -0.0412% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8188% | 2,217 |
| Assets per employee ($millions) | 5.0429% | 2,468 |
| Cash dividends to net income (ytd only)* | 56.3077% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8849% | 604 |
| Loan loss allowance to noncurrent loans | 257.9477% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 2,821 |
| Noncurrent loans to loans | 0.7307% | 2,196 |
| Net loans and leases to total assets | 55.1384% | 4,127 |
| Net loans and leases to deposits | 66.6207% | 4,006 |
| Net loans and leases to core deposits | 69.7478% | 4,090 |
| Total domestic deposits to total assets | 82.7646% | 3,478 |
| Equity capital to assets | 13.4429% | 1,231 |
| Core capital (leverage) ratio | 12.1745% | 1,681 |
| Tier 1 risk-based capital ratio | 18.2551% | 1,727 |
| Total risk-based capital ratio | 19.5087% | 1,681 |
| Memoranda: | ||
| Average total assets | $120,897,500 | 3,789 |
| Average earning assets | $112,127,500 | 3,782 |
| Average equity | $15,983,000 | 3,584 |
| Average total loans | $68,032,000 | 3,918 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7058% | 4,660 |
| Cost of funding earning assets | 0.4108% | 3,921 |
| Net interest margin | 3.2950% | 4,269 |
| Noninterest income to average assets | 0.6781% | 1,934 |
| Noninterest expense to average assets | 2.5227% | 3,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1843% | 2,244 |
| Return on assets (ROA) | 1.1883% | 2,227 |
| Pretax return on assets | 1.2046% | 2,864 |
| Return on Equity (ROE) | 9.3887% | 2,793 |
| Retained earnings to average equity (ytd only) | 0.5704% | 4,833 |
| Net charge-offs to loans | -0.0062% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2767% | 2,660 |
| Assets per employee ($millions) | 4.4728% | 3,210 |
| Cash dividends to net income (ytd only)* | 93.9249% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8737% | 601 |
| Loan loss allowance to noncurrent loans | 203.6741% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 2,398 |
| Noncurrent loans to loans | 0.9199% | 1,743 |
| Net loans and leases to total assets | 55.2917% | 4,182 |
| Net loans and leases to deposits | 67.0540% | 4,047 |
| Net loans and leases to core deposits | 70.6967% | 4,082 |
| Total domestic deposits to total assets | 82.4585% | 3,502 |
| Equity capital to assets | 12.9971% | 1,349 |
| Core capital (leverage) ratio | 11.9514% | 1,771 |
| Tier 1 risk-based capital ratio | 18.6307% | 1,590 |
| Total risk-based capital ratio | 19.8862% | 1,547 |
| Memoranda: | ||
| Average total assets | $123,281,200 | 3,741 |
| Average earning assets | $113,930,200 | 3,742 |
| Average equity | $15,603,800 | 3,557 |
| Average total loans | $64,325,200 | 3,999 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 4,690 |
| Cost of funding earning assets | 0.4060% | 3,816 |
| Net interest margin | 3.2710% | 4,355 |
| Noninterest income to average assets | 0.6962% | 1,875 |
| Noninterest expense to average assets | 2.5695% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1295% | 2,533 |
| Return on assets (ROA) | 1.2019% | 2,230 |
| Pretax return on assets | 1.2170% | 2,928 |
| Return on Equity (ROE) | 9.5586% | 2,814 |
| Retained earnings to average equity (ytd only) | 1.7115% | 4,669 |
| Net charge-offs to loans | 0.0400% | 2,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 55.9534% | 1,101 |
| Efficiency ratio | 68.7047% | 2,404 |
| Assets per employee ($millions) | 5.1625% | 2,258 |
| Cash dividends to net income (ytd only)* | 82.0949% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9743% | 510 |
| Loan loss allowance to noncurrent loans | 228.0510% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 2,617 |
| Noncurrent loans to loans | 0.8657% | 1,972 |
| Net loans and leases to total assets | 50.1719% | 4,582 |
| Net loans and leases to deposits | 59.6419% | 4,570 |
| Net loans and leases to core deposits | 62.6852% | 4,587 |
| Total domestic deposits to total assets | 84.1219% | 2,901 |
| Equity capital to assets | 12.4157% | 1,639 |
| Core capital (leverage) ratio | 12.0247% | 1,771 |
| Tier 1 risk-based capital ratio | 19.0226% | 1,529 |
| Total risk-based capital ratio | 20.2775% | 1,502 |
| Memoranda: | ||
| Average total assets | $123,910,250 | 3,766 |
| Average earning assets | $114,293,000 | 3,779 |
| Average equity | $15,580,750 | 3,581 |
| Average total loans | $63,394,500 | 4,056 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 4,652 |
| Cost of funding earning assets | 0.3952% | 3,755 |
| Net interest margin | 3.2733% | 4,323 |
| Noninterest income to average assets | 0.6714% | 1,999 |
| Noninterest expense to average assets | 2.5598% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1196% | 2,522 |
| Return on assets (ROA) | 1.2283% | 2,070 |
| Pretax return on assets | 1.2428% | 2,752 |
| Return on Equity (ROE) | 9.7273% | 2,696 |
| Retained earnings to average equity (ytd only) | 1.8279% | 4,512 |
| Net charge-offs to loans | 0.0032% | 3,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 702.0000% | 118 |
| Efficiency ratio | 68.8374% | 2,510 |
| Assets per employee ($millions) | 4.8056% | 2,672 |
| Cash dividends to net income (ytd only)* | 81.2089% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 481 |
| Loan loss allowance to noncurrent loans | 205.8347% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 2,651 |
| Noncurrent loans to loans | 0.9938% | 1,759 |
| Net loans and leases to total assets | 48.6750% | 4,677 |
| Net loans and leases to deposits | 57.7680% | 4,653 |
| Net loans and leases to core deposits | 59.6304% | 4,721 |
| Total domestic deposits to total assets | 84.2595% | 2,969 |
| Equity capital to assets | 12.3951% | 1,595 |
| Core capital (leverage) ratio | 11.9634% | 1,737 |
| Tier 1 risk-based capital ratio | 18.8908% | 1,577 |
| Total risk-based capital ratio | 20.1459% | 1,537 |
| Memoranda: | ||
| Average total assets | $123,913,670 | 3,792 |
| Average earning assets | $114,379,670 | 3,802 |
| Average equity | $15,646,670 | 3,598 |
| Average total loans | $63,387,670 | 4,087 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6430% | 4,613 |
| Cost of funding earning assets | 0.3896% | 3,667 |
| Net interest margin | 3.2534% | 4,303 |
| Noninterest income to average assets | 0.6289% | 2,136 |
| Noninterest expense to average assets | 2.6159% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0038% | 2,843 |
| Return on assets (ROA) | 1.2221% | 1,926 |
| Pretax return on assets | 1.2383% | 2,606 |
| Return on Equity (ROE) | 9.5889% | 2,644 |
| Retained earnings to average equity (ytd only) | -0.5596% | 4,869 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4541% | 2,271 |
| Assets per employee ($millions) | 4.8963% | 2,611 |
| Cash dividends to net income (ytd only)* | 105.8355% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9563% | 592 |
| Loan loss allowance to noncurrent loans | 212.8978% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 2,781 |
| Noncurrent loans to loans | 0.9189% | 1,982 |
| Net loans and leases to total assets | 52.0395% | 4,435 |
| Net loans and leases to deposits | 62.3050% | 4,319 |
| Net loans and leases to core deposits | 65.4474% | 4,350 |
| Total domestic deposits to total assets | 83.5238% | 3,493 |
| Equity capital to assets | 12.5720% | 1,442 |
| Core capital (leverage) ratio | 11.8138% | 1,769 |
| Tier 1 risk-based capital ratio | 18.5966% | 1,666 |
| Total risk-based capital ratio | 19.8518% | 1,628 |
| Memoranda: | ||
| Average total assets | $123,398,000 | 3,840 |
| Average earning assets | $113,973,500 | 3,847 |
| Average equity | $15,726,500 | 3,620 |
| Average total loans | $64,038,000 | 4,097 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5684% | 4,643 |
| Cost of funding earning assets | 0.3870% | 3,369 |
| Net interest margin | 3.1815% | 4,494 |
| Noninterest income to average assets | 0.5090% | 2,943 |
| Noninterest expense to average assets | 2.4763% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9557% | 2,419 |
| Return on assets (ROA) | 0.9852% | 2,341 |
| Pretax return on assets | 0.9985% | 3,576 |
| Return on Equity (ROE) | 7.7302% | 2,931 |
| Retained earnings to average equity (ytd only) | -0.8726% | 5,171 |
| Net charge-offs to loans | 0.0668% | 2,512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 29.4524% | 1,571 |
| Efficiency ratio | 71.1525% | 2,367 |
| Assets per employee ($millions) | 4.6070% | 3,017 |
| Cash dividends to net income (ytd only)* | 111.2878% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0141% | 526 |
| Loan loss allowance to noncurrent loans | 199.2163% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 2,735 |
| Noncurrent loans to loans | 1.0110% | 1,759 |
| Net loans and leases to total assets | 49.7102% | 4,666 |
| Net loans and leases to deposits | 61.1709% | 4,496 |
| Net loans and leases to core deposits | 63.4345% | 4,570 |
| Total domestic deposits to total assets | 81.2644% | 4,058 |
| Equity capital to assets | 12.9143% | 1,307 |
| Core capital (leverage) ratio | 11.5014% | 1,941 |
| Tier 1 risk-based capital ratio | 18.9004% | 1,526 |
| Total risk-based capital ratio | 20.1554% | 1,488 |
| Memoranda: | ||
| Average total assets | $127,691,600 | 3,782 |
| Average earning assets | $117,839,200 | 3,791 |
| Average equity | $16,273,800 | 3,560 |
| Average total loans | $62,837,800 | 4,134 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5477% | 4,698 |
| Cost of funding earning assets | 0.3838% | 3,347 |
| Net interest margin | 3.1639% | 4,551 |
| Noninterest income to average assets | 0.4731% | 3,192 |
| Noninterest expense to average assets | 2.6071% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7677% | 3,655 |
| Return on assets (ROA) | 0.7688% | 3,706 |
| Pretax return on assets | 0.7833% | 4,393 |
| Return on Equity (ROE) | 6.0515% | 4,101 |
| Retained earnings to average equity (ytd only) | -1.7150% | 5,408 |
| Net charge-offs to loans | 0.0913% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 17.5355% | 2,098 |
| Efficiency ratio | 76.1861% | 1,565 |
| Assets per employee ($millions) | 5.5568% | 1,876 |
| Cash dividends to net income (ytd only)* | 128.3396% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0279% | 548 |
| Loan loss allowance to noncurrent loans | 151.9139% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6878% | 2,446 |
| Noncurrent loans to loans | 1.3349% | 1,425 |
| Net loans and leases to total assets | 48.0064% | 4,824 |
| Net loans and leases to deposits | 57.9816% | 4,759 |
| Net loans and leases to core deposits | 61.2148% | 4,757 |
| Total domestic deposits to total assets | 82.7958% | 3,526 |
| Equity capital to assets | 12.8812% | 1,447 |
| Core capital (leverage) ratio | 11.1165% | 2,355 |
| Tier 1 risk-based capital ratio | 18.9273% | 1,610 |
| Total risk-based capital ratio | 20.1822% | 1,565 |
| Memoranda: | ||
| Average total assets | $128,517,250 | 3,812 |
| Average earning assets | $118,458,250 | 3,813 |
| Average equity | $16,326,250 | 3,587 |
| Average total loans | $62,771,000 | 4,163 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 4,724 |
| Cost of funding earning assets | 0.3839% | 3,252 |
| Net interest margin | 3.1336% | 4,591 |
| Noninterest income to average assets | 0.4256% | 3,520 |
| Noninterest expense to average assets | 2.7137% | 3,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5763% | 4,404 |
| Return on assets (ROA) | 0.5778% | 4,456 |
| Pretax return on assets | 0.5918% | 4,826 |
| Return on Equity (ROE) | 4.5698% | 4,638 |
| Retained earnings to average equity (ytd only) | -1.0319% | 5,236 |
| Net charge-offs to loans | 0.1847% | 1,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.5517% | 2,694 |
| Efficiency ratio | 81.3822% | 1,062 |
| Assets per employee ($millions) | 5.2866% | 2,071 |
| Cash dividends to net income (ytd only)* | 122.5806% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0264% | 575 |
| Loan loss allowance to noncurrent loans | 259.5041% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 3,511 |
| Noncurrent loans to loans | 0.7809% | 2,454 |
| Net loans and leases to total assets | 45.9468% | 4,954 |
| Net loans and leases to deposits | 54.7081% | 4,923 |
| Net loans and leases to core deposits | 56.9662% | 4,957 |
| Total domestic deposits to total assets | 83.9853% | 3,202 |
| Equity capital to assets | 12.5986% | 1,575 |
| Core capital (leverage) ratio | 11.3571% | 2,080 |
| Tier 1 risk-based capital ratio | 19.2552% | 1,533 |
| Total risk-based capital ratio | 20.5110% | 1,479 |
| Memoranda: | ||
| Average total assets | $128,754,330 | 3,830 |
| Average earning assets | $118,267,330 | 3,832 |
| Average equity | $16,280,670 | 3,606 |
| Average total loans | $62,819,670 | 4,179 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 4,653 |
| Cost of funding earning assets | 0.3886% | 3,111 |
| Net interest margin | 3.1260% | 4,579 |
| Noninterest income to average assets | 0.3998% | 3,661 |
| Noninterest expense to average assets | 2.7674% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5038% | 4,579 |
| Return on assets (ROA) | 0.5069% | 4,601 |
| Pretax return on assets | 0.5226% | 4,924 |
| Return on Equity (ROE) | 4.0011% | 4,778 |
| Retained earnings to average equity (ytd only) | -4.7964% | 5,373 |
| Net charge-offs to loans | -0.0063% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,029 |
| Assets per employee ($millions) | 5.4767% | 1,912 |
| Cash dividends to net income (ytd only)* | 219.8758% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1757% | 494 |
| Loan loss allowance to noncurrent loans | 306.2937% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 3,702 |
| Noncurrent loans to loans | 0.7103% | 2,721 |
| Net loans and leases to total assets | 46.9035% | 4,897 |
| Net loans and leases to deposits | 56.1164% | 4,807 |
| Net loans and leases to core deposits | 58.1454% | 4,876 |
| Total domestic deposits to total assets | 83.5825% | 3,631 |
| Equity capital to assets | 12.7545% | 1,379 |
| Core capital (leverage) ratio | 11.3531% | 2,059 |
| Tier 1 risk-based capital ratio | 19.7649% | 1,432 |
| Total risk-based capital ratio | 21.0219% | 1,402 |
| Memoranda: | ||
| Average total assets | $127,048,500 | 3,891 |
| Average earning assets | $117,339,000 | 3,888 |
| Average equity | $16,095,500 | 3,652 |
| Average total loans | $63,238,500 | 4,200 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 4,307 |
| Cost of funding earning assets | 0.3977% | 3,020 |
| Net interest margin | 3.2731% | 4,224 |
| Noninterest income to average assets | 0.4902% | 3,301 |
| Noninterest expense to average assets | 2.2659% | 4,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2047% | 1,495 |
| Return on assets (ROA) | 1.1994% | 1,600 |
| Pretax return on assets | 1.2163% | 2,603 |
| Return on Equity (ROE) | 9.2960% | 2,276 |
| Retained earnings to average equity (ytd only) | 2.9657% | 3,790 |
| Net charge-offs to loans | -0.2469% | 5,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2432% | 3,901 |
| Assets per employee ($millions) | 5.5710% | 1,810 |
| Cash dividends to net income (ytd only)* | 68.0974% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9869% | 672 |
| Loan loss allowance to noncurrent loans | 407.7640% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 4,135 |
| Noncurrent loans to loans | 0.4873% | 3,407 |
| Net loans and leases to total assets | 50.5479% | 4,722 |
| Net loans and leases to deposits | 61.1842% | 4,602 |
| Net loans and leases to core deposits | 63.5863% | 4,661 |
| Total domestic deposits to total assets | 82.6159% | 3,890 |
| Equity capital to assets | 12.5845% | 1,470 |
| Core capital (leverage) ratio | 11.0901% | 2,264 |
| Tier 1 risk-based capital ratio | 18.8517% | 1,634 |
| Total risk-based capital ratio | 20.1071% | 1,597 |
| Memoranda: | ||
| Average total assets | $130,146,400 | 3,825 |
| Average earning assets | $119,182,200 | 3,842 |
| Average equity | $16,792,200 | 3,577 |
| Average total loans | $68,864,600 | 4,071 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6936% | 4,271 |
| Cost of funding earning assets | 0.3982% | 3,039 |
| Net interest margin | 3.2954% | 4,200 |
| Noninterest income to average assets | 0.4756% | 3,404 |
| Noninterest expense to average assets | 2.3992% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0689% | 2,126 |
| Return on assets (ROA) | 1.1093% | 2,059 |
| Pretax return on assets | 1.1236% | 3,141 |
| Return on Equity (ROE) | 8.5459% | 2,739 |
| Retained earnings to average equity (ytd only) | 4.2454% | 3,305 |
| Net charge-offs to loans | -0.3584% | 5,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1712% | 3,194 |
| Assets per employee ($millions) | 5.5308% | 1,827 |
| Cash dividends to net income (ytd only)* | 50.3222% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9753% | 755 |
| Loan loss allowance to noncurrent loans | 346.9974% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 4,117 |
| Noncurrent loans to loans | 0.5693% | 3,292 |
| Net loans and leases to total assets | 49.6847% | 4,842 |
| Net loans and leases to deposits | 60.4091% | 4,726 |
| Net loans and leases to core deposits | 62.3945% | 4,807 |
| Total domestic deposits to total assets | 82.2471% | 3,857 |
| Equity capital to assets | 13.0007% | 1,488 |
| Core capital (leverage) ratio | 11.2632% | 2,218 |
| Tier 1 risk-based capital ratio | 18.3281% | 1,824 |
| Total risk-based capital ratio | 19.5833% | 1,794 |
| Memoranda: | ||
| Average total assets | $130,649,500 | 3,840 |
| Average earning assets | $119,193,250 | 3,860 |
| Average equity | $16,959,000 | 3,585 |
| Average total loans | $69,560,250 | 4,087 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 4,505 |
| Cost of funding earning assets | 0.3967% | 3,078 |
| Net interest margin | 3.2340% | 4,427 |
| Noninterest income to average assets | 0.4648% | 3,431 |
| Noninterest expense to average assets | 2.3732% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0635% | 2,107 |
| Return on assets (ROA) | 1.0650% | 2,229 |
| Pretax return on assets | 1.0789% | 3,285 |
| Return on Equity (ROE) | 8.2089% | 2,881 |
| Retained earnings to average equity (ytd only) | 3.5113% | 3,665 |
| Net charge-offs to loans | 0.0199% | 3,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 581 |
| Efficiency ratio | 68.0196% | 3,345 |
| Assets per employee ($millions) | 4.8809% | 2,438 |
| Cash dividends to net income (ytd only)* | 57.2254% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,437 |
| Loan loss allowance to noncurrent loans | 101.9766% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 2,400 |
| Noncurrent loans to loans | 1.6036% | 1,337 |
| Net loans and leases to total assets | 51.8056% | 4,695 |
| Net loans and leases to deposits | 62.3267% | 4,630 |
| Net loans and leases to core deposits | 64.3663% | 4,720 |
| Total domestic deposits to total assets | 83.1195% | 3,607 |
| Equity capital to assets | 12.9658% | 1,523 |
| Core capital (leverage) ratio | 11.0644% | 2,372 |
| Tier 1 risk-based capital ratio | 17.6301% | 2,040 |
| Total risk-based capital ratio | 18.8822% | 1,998 |
| Memoranda: | ||
| Average total assets | $129,953,000 | 3,887 |
| Average earning assets | $119,976,000 | 3,879 |
| Average equity | $16,859,670 | 3,605 |
| Average total loans | $70,320,330 | 4,087 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6643% | 4,437 |
| Cost of funding earning assets | 0.4038% | 3,028 |
| Net interest margin | 3.2605% | 4,357 |
| Noninterest income to average assets | 0.4681% | 3,352 |
| Noninterest expense to average assets | 2.4086% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0478% | 2,093 |
| Return on assets (ROA) | 1.0509% | 2,192 |
| Pretax return on assets | 1.0664% | 3,215 |
| Return on Equity (ROE) | 8.0975% | 2,856 |
| Retained earnings to average equity (ytd only) | 5.2072% | 2,812 |
| Net charge-offs to loans | 0.0396% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 894 |
| Efficiency ratio | 68.6607% | 3,352 |
| Assets per employee ($millions) | 4.9614% | 2,381 |
| Cash dividends to net income (ytd only)* | 35.6932% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 1,550 |
| Loan loss allowance to noncurrent loans | 109.2397% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 2,585 |
| Noncurrent loans to loans | 1.4830% | 1,591 |
| Net loans and leases to total assets | 53.4319% | 4,502 |
| Net loans and leases to deposits | 64.4370% | 4,398 |
| Net loans and leases to core deposits | 68.2804% | 4,373 |
| Total domestic deposits to total assets | 82.9212% | 3,928 |
| Equity capital to assets | 13.1051% | 1,361 |
| Core capital (leverage) ratio | 11.0995% | 2,314 |
| Tier 1 risk-based capital ratio | 17.7621% | 2,049 |
| Total risk-based capital ratio | 19.0141% | 2,012 |
| Memoranda: | ||
| Average total assets | $129,037,000 | 3,927 |
| Average earning assets | $118,876,000 | 3,931 |
| Average equity | $16,746,000 | 3,625 |
| Average total loans | $70,777,000 | 4,095 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 4,368 |
| Cost of funding earning assets | 0.4448% | 2,688 |
| Net interest margin | 3.2543% | 4,459 |
| Noninterest income to average assets | 1.0290% | 1,117 |
| Noninterest expense to average assets | 2.5668% | 4,027 |
| Loan and lease loss provision to assets | 0.0986% | 2,339 |
| Net operating income to assets | 1.3339% | 1,194 |
| Return on assets (ROA) | 1.3444% | 1,201 |
| Pretax return on assets | 1.3535% | 2,090 |
| Return on Equity (ROE) | 10.7624% | 1,703 |
| Retained earnings to average equity (ytd only) | 4.7772% | 2,597 |
| Net charge-offs to loans | 0.0675% | 2,895 |
| Credit loss provision to net charge-offs | 254.9020% | 1,128 |
| Earnings coverage of net charge-offs (x) | 37.2745% | 1,236 |
| Efficiency ratio | 63.3182% | 4,396 |
| Assets per employee ($millions) | 4.9645% | 2,407 |
| Cash dividends to net income (ytd only)* | 55.6120% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 1,618 |
| Loan loss allowance to noncurrent loans | 127.7095% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 2,871 |
| Noncurrent loans to loans | 1.2519% | 1,886 |
| Net loans and leases to total assets | 54.5027% | 4,449 |
| Net loans and leases to deposits | 66.4516% | 4,276 |
| Net loans and leases to core deposits | 70.5337% | 4,263 |
| Total domestic deposits to total assets | 82.0186% | 4,161 |
| Equity capital to assets | 12.8504% | 1,436 |
| Core capital (leverage) ratio | 10.7003% | 2,708 |
| Tier 1 risk-based capital ratio | 17.3282% | 2,171 |
| Total risk-based capital ratio | 18.5802% | 2,125 |
| Memoranda: | ||
| Average total assets | $131,877,400 | 3,852 |
| Average earning assets | $120,732,600 | 3,868 |
| Average equity | $16,474,000 | 3,606 |
| Average total loans | $75,570,600 | 3,957 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7029% | 4,411 |
| Cost of funding earning assets | 0.4501% | 2,684 |
| Net interest margin | 3.2528% | 4,517 |
| Noninterest income to average assets | 1.2269% | 798 |
| Noninterest expense to average assets | 2.6419% | 3,747 |
| Loan and lease loss provision to assets | 0.1307% | 1,718 |
| Net operating income to assets | 1.4131% | 1,081 |
| Return on assets (ROA) | 1.4250% | 1,100 |
| Pretax return on assets | 1.4391% | 1,866 |
| Return on Equity (ROE) | 11.4880% | 1,530 |
| Retained earnings to average equity (ytd only) | 7.3289% | 1,534 |
| Net charge-offs to loans | 0.0627% | 2,697 |
| Credit loss provision to net charge-offs | 361.1111% | 822 |
| Earnings coverage of net charge-offs (x) | 43.0267% | 1,166 |
| Efficiency ratio | 62.1887% | 4,541 |
| Assets per employee ($millions) | 4.8934% | 2,426 |
| Cash dividends to net income (ytd only)* | 36.2030% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 1,852 |
| Loan loss allowance to noncurrent loans | 106.2385% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.2799% | 1,828 |
| Noncurrent loans to loans | 1.4879% | 1,685 |
| Net loans and leases to total assets | 54.5688% | 4,503 |
| Net loans and leases to deposits | 65.4591% | 4,432 |
| Net loans and leases to core deposits | 69.4058% | 4,424 |
| Total domestic deposits to total assets | 83.3632% | 3,672 |
| Equity capital to assets | 12.7094% | 1,610 |
| Core capital (leverage) ratio | 10.7024% | 2,819 |
| Tier 1 risk-based capital ratio | 16.9581% | 2,396 |
| Total risk-based capital ratio | 18.2097% | 2,338 |
| Memoranda: | ||
| Average total assets | $132,577,250 | 3,884 |
| Average earning assets | $121,164,750 | 3,899 |
| Average equity | $16,445,750 | 3,632 |
| Average total loans | $76,589,750 | 3,962 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5236% | 257 |
| Cost of funding earning assets | 0.4563% | 2,649 |
| Net interest margin | 5.0673% | 224 |
| Noninterest income to average assets | 1.6093% | 500 |
| Noninterest expense to average assets | 4.4708% | 436 |
| Loan and lease loss provision to assets | 0.1823% | 1,121 |
| Net operating income to assets | 1.5778% | 782 |
| Return on assets (ROA) | 1.5957% | 775 |
| Pretax return on assets | 1.6093% | 1,306 |
| Return on Equity (ROE) | 12.9697% | 1,121 |
| Retained earnings to average equity (ytd only) | 8.3281% | 1,140 |
| Net charge-offs to loans | 0.0669% | 2,426 |
| Credit loss provision to net charge-offs | 465.3846% | 661 |
| Earnings coverage of net charge-offs (x) | 45.2692% | 1,027 |
| Efficiency ratio | 71.0907% | 3,142 |
| Assets per employee ($millions) | 5.3268% | 1,904 |
| Cash dividends to net income (ytd only)* | 35.7885% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 2,251 |
| Loan loss allowance to noncurrent loans | 46.0286% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 2.3819% | 828 |
| Noncurrent loans to loans | 3.2823% | 565 |
| Net loans and leases to total assets | 56.7361% | 4,253 |
| Net loans and leases to deposits | 68.3326% | 4,107 |
| Net loans and leases to core deposits | 70.9399% | 4,231 |
| Total domestic deposits to total assets | 83.0293% | 3,942 |
| Equity capital to assets | 12.4089% | 1,713 |
| Core capital (leverage) ratio | 10.5421% | 2,901 |
| Tier 1 risk-based capital ratio | 15.8584% | 2,924 |
| Total risk-based capital ratio | 17.1093% | 2,881 |
| Memoranda: | ||
| Average total assets | $132,728,670 | 3,911 |
| Average earning assets | $121,407,000 | 3,922 |
| Average equity | $16,330,330 | 3,667 |
| Average total loans | $77,701,000 | 3,959 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6748% | 4,454 |
| Cost of funding earning assets | 0.4565% | 2,708 |
| Net interest margin | 3.2183% | 4,540 |
| Noninterest income to average assets | 2.7561% | 239 |
| Noninterest expense to average assets | 3.3025% | 1,715 |
| Loan and lease loss provision to assets | 0.2596% | 621 |
| Net operating income to assets | 2.1583% | 249 |
| Return on assets (ROA) | 2.1553% | 265 |
| Pretax return on assets | 2.1704% | 409 |
| Return on Equity (ROE) | 17.5938% | 424 |
| Retained earnings to average equity (ytd only) | 11.8524% | 587 |
| Net charge-offs to loans | 0.0358% | 2,496 |
| Credit loss provision to net charge-offs | 1,228.5714% | 287 |
| Earnings coverage of net charge-offs (x) | 115.1429% | 439 |
| Efficiency ratio | 57.0526% | 5,433 |
| Assets per employee ($millions) | 5.6890% | 1,636 |
| Cash dividends to net income (ytd only)* | 32.6331% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 2,532 |
| Loan loss allowance to noncurrent loans | 109.7983% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.3000% | 2,043 |
| Noncurrent loans to loans | 1.3483% | 2,132 |
| Net loans and leases to total assets | 58.1348% | 3,926 |
| Net loans and leases to deposits | 70.9627% | 3,645 |
| Net loans and leases to core deposits | 75.0175% | 3,686 |
| Total domestic deposits to total assets | 81.9230% | 4,532 |
| Equity capital to assets | 12.6125% | 1,622 |
| Core capital (leverage) ratio | 10.3967% | 3,104 |
| Tier 1 risk-based capital ratio | 15.7907% | 3,020 |
| Total risk-based capital ratio | 17.0406% | 2,960 |
| Memoranda: | ||
| Average total assets | $132,507,500 | 3,943 |
| Average earning assets | $122,674,000 | 3,930 |
| Average equity | $16,233,000 | 3,711 |
| Average total loans | $78,194,000 | 3,954 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7122% | 4,745 |
| Cost of funding earning assets | 0.4954% | 2,711 |
| Net interest margin | 3.2168% | 4,864 |
| Noninterest income to average assets | 0.4878% | 3,602 |
| Noninterest expense to average assets | 2.3111% | 5,082 |
| Loan and lease loss provision to assets | 0.0848% | 2,780 |
| Net operating income to assets | 1.0434% | 2,200 |
| Return on assets (ROA) | 1.1273% | 1,930 |
| Pretax return on assets | 1.1414% | 2,916 |
| Return on Equity (ROE) | 9.7517% | 2,222 |
| Retained earnings to average equity (ytd only) | 3.7952% | 3,514 |
| Net charge-offs to loans | 0.1771% | 2,258 |
| Credit loss provision to net charge-offs | 83.2117% | 2,802 |
| Earnings coverage of net charge-offs (x) | 11.2044% | 2,526 |
| Efficiency ratio | 66.0780% | 4,233 |
| Assets per employee ($millions) | 5.1603% | 2,113 |
| Cash dividends to net income (ytd only)* | 61.0818% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 3,211 |
| Loan loss allowance to noncurrent loans | 99.2537% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 2,186 |
| Noncurrent loans to loans | 1.3539% | 2,174 |
| Net loans and leases to total assets | 58.2206% | 4,023 |
| Net loans and leases to deposits | 71.6281% | 3,725 |
| Net loans and leases to core deposits | 75.8322% | 3,730 |
| Total domestic deposits to total assets | 81.2818% | 4,659 |
| Equity capital to assets | 11.8977% | 2,084 |
| Core capital (leverage) ratio | 9.8833% | 3,733 |
| Tier 1 risk-based capital ratio | 14.8378% | 3,575 |
| Total risk-based capital ratio | 16.0520% | 3,534 |
| Memoranda: | ||
| Average total assets | $134,479,600 | 3,896 |
| Average earning assets | $123,942,800 | 3,886 |
| Average equity | $15,546,000 | 3,740 |
| Average total loans | $77,367,600 | 3,959 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 4,855 |
| Cost of funding earning assets | 0.5001% | 2,761 |
| Net interest margin | 3.2010% | 4,969 |
| Noninterest income to average assets | 0.4816% | 3,674 |
| Noninterest expense to average assets | 2.3335% | 5,016 |
| Loan and lease loss provision to assets | 0.0981% | 2,404 |
| Net operating income to assets | 0.9939% | 2,475 |
| Return on assets (ROA) | 1.0959% | 2,119 |
| Pretax return on assets | 1.1009% | 3,182 |
| Return on Equity (ROE) | 9.5496% | 2,426 |
| Retained earnings to average equity (ytd only) | 5.5347% | 2,720 |
| Net charge-offs to loans | 0.2392% | 1,611 |
| Credit loss provision to net charge-offs | 71.7391% | 2,741 |
| Earnings coverage of net charge-offs (x) | 8.0215% | 2,864 |
| Efficiency ratio | 67.1288% | 4,020 |
| Assets per employee ($millions) | 5.3372% | 1,870 |
| Cash dividends to net income (ytd only)* | 42.0431% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 3,385 |
| Loan loss allowance to noncurrent loans | 98.4962% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.4367% | 2,151 |
| Noncurrent loans to loans | 1.3738% | 2,361 |
| Net loans and leases to total assets | 57.2611% | 4,173 |
| Net loans and leases to deposits | 68.6512% | 4,059 |
| Net loans and leases to core deposits | 72.6453% | 4,088 |
| Total domestic deposits to total assets | 83.4087% | 3,992 |
| Equity capital to assets | 11.9492% | 2,103 |
| Core capital (leverage) ratio | 9.8834% | 3,834 |
| Tier 1 risk-based capital ratio | 14.8821% | 3,660 |
| Total risk-based capital ratio | 16.0767% | 3,625 |
| Memoranda: | ||
| Average total assets | $134,557,250 | 3,926 |
| Average earning assets | $123,959,750 | 3,914 |
| Average equity | $15,441,750 | 3,778 |
| Average total loans | $76,915,000 | 3,995 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6539% | 4,994 |
| Cost of funding earning assets | 0.5066% | 2,765 |
| Net interest margin | 3.1473% | 5,102 |
| Noninterest income to average assets | 0.4684% | 3,733 |
| Noninterest expense to average assets | 2.3478% | 5,030 |
| Loan and lease loss provision to assets | 0.1438% | 1,721 |
| Net operating income to assets | 0.8775% | 2,921 |
| Return on assets (ROA) | 1.0420% | 2,216 |
| Pretax return on assets | 1.0420% | 3,311 |
| Return on Equity (ROE) | 9.2050% | 2,501 |
| Retained earnings to average equity (ytd only) | 4.9495% | 2,992 |
| Net charge-offs to loans | 0.3597% | 1,139 |
| Credit loss provision to net charge-offs | 70.2899% | 2,471 |
| Earnings coverage of net charge-offs (x) | 4.9928% | 3,006 |
| Efficiency ratio | 68.7637% | 3,869 |
| Assets per employee ($millions) | 5.2744% | 1,894 |
| Cash dividends to net income (ytd only)* | 46.2304% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 3,615 |
| Loan loss allowance to noncurrent loans | 105.7634% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.2032% | 2,679 |
| Noncurrent loans to loans | 1.2718% | 2,680 |
| Net loans and leases to total assets | 55.9427% | 4,296 |
| Net loans and leases to deposits | 65.9432% | 4,273 |
| Net loans and leases to core deposits | 68.5549% | 4,407 |
| Total domestic deposits to total assets | 84.8347% | 3,590 |
| Equity capital to assets | 11.4245% | 2,494 |
| Core capital (leverage) ratio | 9.5853% | 4,200 |
| Tier 1 risk-based capital ratio | 14.4639% | 3,949 |
| Total risk-based capital ratio | 15.6467% | 3,931 |
| Memoranda: | ||
| Average total assets | $134,932,670 | 3,941 |
| Average earning assets | $124,358,670 | 3,927 |
| Average equity | $15,274,330 | 3,806 |
| Average total loans | $76,736,000 | 4,015 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 5,088 |
| Cost of funding earning assets | 0.5251% | 2,657 |
| Net interest margin | 3.0990% | 5,256 |
| Noninterest income to average assets | 0.4125% | 4,085 |
| Noninterest expense to average assets | 2.2058% | 5,450 |
| Loan and lease loss provision to assets | 0.2780% | 738 |
| Net operating income to assets | 0.8040% | 3,135 |
| Return on assets (ROA) | 0.9355% | 2,551 |
| Pretax return on assets | 0.9355% | 3,573 |
| Return on Equity (ROE) | 8.3035% | 2,794 |
| Retained earnings to average equity (ytd only) | 7.9851% | 1,599 |
| Net charge-offs to loans | 0.6402% | 577 |
| Credit loss provision to net charge-offs | 76.2295% | 1,942 |
| Earnings coverage of net charge-offs (x) | 2.9672% | 2,759 |
| Efficiency ratio | 66.0909% | 4,516 |
| Assets per employee ($millions) | 5.1686% | 2,044 |
| Cash dividends to net income (ytd only)* | 3.8339% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 3,689 |
| Loan loss allowance to noncurrent loans | 99.6234% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3543% | 2,607 |
| Noncurrent loans to loans | 1.3875% | 2,706 |
| Net loans and leases to total assets | 56.1696% | 4,129 |
| Net loans and leases to deposits | 69.7148% | 3,639 |
| Net loans and leases to core deposits | 73.9703% | 3,648 |
| Total domestic deposits to total assets | 80.5706% | 5,365 |
| Equity capital to assets | 11.4017% | 2,329 |
| Core capital (leverage) ratio | 9.7533% | 3,925 |
| Tier 1 risk-based capital ratio | 14.7351% | 3,866 |
| Total risk-based capital ratio | 15.9614% | 3,835 |
| Memoranda: | ||
| Average total assets | $133,831,500 | 3,995 |
| Average earning assets | $124,168,000 | 3,957 |
| Average equity | $15,078,000 | 3,848 |
| Average total loans | $76,222,500 | 4,057 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6190% | 5,358 |
| Cost of funding earning assets | 0.6214% | 2,473 |
| Net interest margin | 2.9976% | 5,586 |
| Noninterest income to average assets | 0.4833% | 3,867 |
| Noninterest expense to average assets | 2.0476% | 5,926 |
| Loan and lease loss provision to assets | 0.1142% | 2,907 |
| Net operating income to assets | 1.0566% | 2,089 |
| Return on assets (ROA) | 1.0672% | 2,130 |
| Pretax return on assets | 1.0824% | 3,015 |
| Return on Equity (ROE) | 9.2718% | 2,424 |
| Retained earnings to average equity (ytd only) | 2.5329% | 4,450 |
| Net charge-offs to loans | 0.2183% | 2,717 |
| Credit loss provision to net charge-offs | 99.3377% | 2,496 |
| Earnings coverage of net charge-offs (x) | 10.3179% | 2,392 |
| Efficiency ratio | 62.2175% | 5,177 |
| Assets per employee ($millions) | 4.9363% | 2,256 |
| Cash dividends to net income (ytd only)* | 72.6819% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 3,500 |
| Loan loss allowance to noncurrent loans | 90.3574% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.4713% | 2,529 |
| Noncurrent loans to loans | 1.5849% | 2,523 |
| Net loans and leases to total assets | 56.1356% | 4,298 |
| Net loans and leases to deposits | 69.6789% | 3,820 |
| Net loans and leases to core deposits | 73.8897% | 3,850 |
| Total domestic deposits to total assets | 80.5633% | 5,305 |
| Equity capital to assets | 11.1300% | 2,498 |
| Core capital (leverage) ratio | 9.5616% | 4,169 |
| Tier 1 risk-based capital ratio | 14.4931% | 3,959 |
| Total risk-based capital ratio | 15.7437% | 3,896 |
| Memoranda: | ||
| Average total assets | $131,374,800 | 4,043 |
| Average earning assets | $120,531,400 | 4,034 |
| Average equity | $15,121,200 | 3,841 |
| Average total loans | $69,182,000 | 4,300 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6111% | 5,411 |
| Cost of funding earning assets | 0.6442% | 2,416 |
| Net interest margin | 2.9669% | 5,673 |
| Noninterest income to average assets | 0.5022% | 3,789 |
| Noninterest expense to average assets | 2.0636% | 5,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1500% | 1,812 |
| Return on assets (ROA) | 1.1500% | 1,888 |
| Pretax return on assets | 1.1500% | 2,892 |
| Return on Equity (ROE) | 9.9079% | 2,221 |
| Retained earnings to average equity (ytd only) | 5.0197% | 3,067 |
| Net charge-offs to loans | 0.0020% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,131.8045% | 36 |
| Efficiency ratio | 63.0428% | 4,982 |
| Assets per employee ($millions) | 4.8050% | 2,435 |
| Cash dividends to net income (ytd only)* | 49.3357% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 3,124 |
| Loan loss allowance to noncurrent loans | 222.7459% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 3,724 |
| Noncurrent loans to loans | 0.7069% | 4,440 |
| Net loans and leases to total assets | 52.3702% | 4,828 |
| Net loans and leases to deposits | 61.9878% | 4,766 |
| Net loans and leases to core deposits | 64.3912% | 4,862 |
| Total domestic deposits to total assets | 84.4846% | 3,986 |
| Equity capital to assets | 11.5643% | 2,252 |
| Core capital (leverage) ratio | 9.7383% | 4,048 |
| Tier 1 risk-based capital ratio | 16.0210% | 3,180 |
| Total risk-based capital ratio | 17.2721% | 3,137 |
| Memoranda: | ||
| Average total assets | $130,898,750 | 4,090 |
| Average earning assets | $119,627,500 | 4,102 |
| Average equity | $15,193,000 | 3,876 |
| Average total loans | $67,501,500 | 4,390 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6452% | 5,305 |
| Cost of funding earning assets | 0.6629% | 2,379 |
| Net interest margin | 2.9823% | 5,606 |
| Noninterest income to average assets | 0.5027% | 3,813 |
| Noninterest expense to average assets | 2.0977% | 5,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1258% | 1,832 |
| Return on assets (ROA) | 1.1258% | 1,952 |
| Pretax return on assets | 1.1258% | 2,988 |
| Return on Equity (ROE) | 9.6878% | 2,323 |
| Retained earnings to average equity (ytd only) | 4.5620% | 3,365 |
| Net charge-offs to loans | 0.0060% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 369.5000% | 136 |
| Efficiency ratio | 63.8469% | 4,888 |
| Assets per employee ($millions) | 4.9383% | 2,179 |
| Cash dividends to net income (ytd only)* | 52.9093% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 3,065 |
| Loan loss allowance to noncurrent loans | 311.1748% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 4,092 |
| Noncurrent loans to loans | 0.5230% | 4,957 |
| Net loans and leases to total assets | 49.2358% | 5,191 |
| Net loans and leases to deposits | 57.9858% | 5,163 |
| Net loans and leases to core deposits | 58.9443% | 5,351 |
| Total domestic deposits to total assets | 84.9101% | 3,932 |
| Equity capital to assets | 11.2889% | 2,480 |
| Core capital (leverage) ratio | 9.6819% | 3,964 |
| Tier 1 risk-based capital ratio | 15.9708% | 3,211 |
| Total risk-based capital ratio | 17.2227% | 3,150 |
| Memoranda: | ||
| Average total assets | $131,286,330 | 4,112 |
| Average earning assets | $119,773,670 | 4,124 |
| Average equity | $15,256,330 | 3,898 |
| Average total loans | $66,992,000 | 4,424 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6660% | 5,266 |
| Cost of funding earning assets | 0.7050% | 2,164 |
| Net interest margin | 2.9610% | 5,672 |
| Noninterest income to average assets | 0.4821% | 3,906 |
| Noninterest expense to average assets | 2.1833% | 5,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0072% | 2,195 |
| Return on assets (ROA) | 1.0072% | 2,311 |
| Pretax return on assets | 1.0072% | 3,316 |
| Return on Equity (ROE) | 8.5425% | 2,695 |
| Retained earnings to average equity (ytd only) | 4.6098% | 3,473 |
| Net charge-offs to loans | 0.0119% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 247 |
| Efficiency ratio | 67.0837% | 4,477 |
| Assets per employee ($millions) | 4.7959% | 2,492 |
| Cash dividends to net income (ytd only)* | 46.0366% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 3,220 |
| Loan loss allowance to noncurrent loans | 257.3460% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0395% | 3,858 |
| Noncurrent loans to loans | 0.6388% | 4,848 |
| Net loans and leases to total assets | 50.1761% | 4,971 |
| Net loans and leases to deposits | 59.5891% | 4,843 |
| Net loans and leases to core deposits | 61.7198% | 4,979 |
| Total domestic deposits to total assets | 84.2034% | 4,394 |
| Equity capital to assets | 11.9268% | 2,091 |
| Core capital (leverage) ratio | 9.4535% | 4,158 |
| Tier 1 risk-based capital ratio | 16.0730% | 3,221 |
| Total risk-based capital ratio | 17.3253% | 3,179 |
| Memoranda: | ||
| Average total assets | $130,262,500 | 4,176 |
| Average earning assets | $119,148,000 | 4,173 |
| Average equity | $15,358,500 | 3,932 |
| Average total loans | $67,121,000 | 4,450 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9956% | 5,323 |
| Cost of funding earning assets | 0.8959% | 1,959 |
| Net interest margin | 3.0998% | 5,813 |
| Noninterest income to average assets | 0.5616% | 3,503 |
| Noninterest expense to average assets | 2.1029% | 6,122 |
| Loan and lease loss provision to assets | 0.0822% | 4,672 |
| Net operating income to assets | 1.1845% | 1,652 |
| Return on assets (ROA) | 1.1899% | 1,799 |
| Pretax return on assets | 1.2054% | 2,788 |
| Return on Equity (ROE) | 10.0611% | 2,145 |
| Retained earnings to average equity (ytd only) | 3.0695% | 4,073 |
| Net charge-offs to loans | 0.0450% | 5,278 |
| Credit loss provision to net charge-offs | 365.5172% | 668 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 620 |
| Efficiency ratio | 60.6783% | 5,428 |
| Assets per employee ($millions) | 5.0398% | 2,180 |
| Cash dividends to net income (ytd only)* | 69.4915% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 3,341 |
| Loan loss allowance to noncurrent loans | 245.5982% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 3,943 |
| Noncurrent loans to loans | 0.6497% | 4,896 |
| Net loans and leases to total assets | 51.2039% | 5,009 |
| Net loans and leases to deposits | 60.9246% | 4,920 |
| Net loans and leases to core deposits | 63.3187% | 5,035 |
| Total domestic deposits to total assets | 84.0447% | 4,293 |
| Equity capital to assets | 11.6557% | 2,300 |
| Core capital (leverage) ratio | 9.2965% | 4,426 |
| Tier 1 risk-based capital ratio | 15.7148% | 3,307 |
| Total risk-based capital ratio | 16.9665% | 3,268 |
| Memoranda: | ||
| Average total assets | $128,916,600 | 4,166 |
| Average earning assets | $117,428,400 | 4,179 |
| Average equity | $15,246,800 | 3,902 |
| Average total loans | $64,446,600 | 4,559 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 5,410 |
| Cost of funding earning assets | 0.9283% | 1,992 |
| Net interest margin | 3.1092% | 5,918 |
| Noninterest income to average assets | 0.5151% | 3,828 |
| Noninterest expense to average assets | 2.0105% | 6,336 |
| Loan and lease loss provision to assets | 0.1101% | 4,192 |
| Net operating income to assets | 1.2223% | 1,662 |
| Return on assets (ROA) | 1.2285% | 1,812 |
| Pretax return on assets | 1.2285% | 2,874 |
| Return on Equity (ROE) | 10.3495% | 2,196 |
| Retained earnings to average equity (ytd only) | 5.7741% | 2,853 |
| Net charge-offs to loans | 0.0630% | 4,792 |
| Credit loss provision to net charge-offs | 353.3333% | 761 |
| Earnings coverage of net charge-offs (x) | 42.7655% | 837 |
| Efficiency ratio | 58.8692% | 5,682 |
| Assets per employee ($millions) | 4.9873% | 2,208 |
| Cash dividends to net income (ytd only)* | 44.2100% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 2,899 |
| Loan loss allowance to noncurrent loans | 295.3804% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 1.0974% | 4,103 |
| Noncurrent loans to loans | 0.5994% | 5,241 |
| Net loans and leases to total assets | 46.5085% | 5,710 |
| Net loans and leases to deposits | 55.3523% | 5,683 |
| Net loans and leases to core deposits | 57.2666% | 5,785 |
| Total domestic deposits to total assets | 84.0226% | 4,211 |
| Equity capital to assets | 12.0852% | 2,187 |
| Core capital (leverage) ratio | 9.5920% | 4,127 |
| Tier 1 risk-based capital ratio | 17.2123% | 2,646 |
| Total risk-based capital ratio | 18.4661% | 2,596 |
| Memoranda: | ||
| Average total assets | $128,387,000 | 4,227 |
| Average earning assets | $116,768,750 | 4,232 |
| Average equity | $15,240,250 | 3,945 |
| Average total loans | $63,512,500 | 4,631 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 5,232 |
| Cost of funding earning assets | 0.9578% | 2,011 |
| Net interest margin | 3.1653% | 5,833 |
| Noninterest income to average assets | 0.4908% | 3,979 |
| Noninterest expense to average assets | 2.0382% | 6,358 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3348% | 1,347 |
| Return on assets (ROA) | 1.3457% | 1,476 |
| Pretax return on assets | 1.3457% | 2,402 |
| Return on Equity (ROE) | 11.4065% | 1,845 |
| Retained earnings to average equity (ytd only) | 6.0808% | 2,666 |
| Net charge-offs to loans | 0.0062% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 427.0000% | 96 |
| Efficiency ratio | 59.3142% | 5,692 |
| Assets per employee ($millions) | 5.0281% | 2,143 |
| Cash dividends to net income (ytd only)* | 46.6899% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 3,639 |
| Loan loss allowance to noncurrent loans | 231.4220% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 1.1413% | 4,111 |
| Noncurrent loans to loans | 0.6871% | 5,132 |
| Net loans and leases to total assets | 47.7687% | 5,635 |
| Net loans and leases to deposits | 56.5601% | 5,593 |
| Net loans and leases to core deposits | 58.0296% | 5,770 |
| Total domestic deposits to total assets | 84.4565% | 4,116 |
| Equity capital to assets | 11.7295% | 2,383 |
| Core capital (leverage) ratio | 9.4030% | 4,297 |
| Tier 1 risk-based capital ratio | 16.5912% | 2,862 |
| Total risk-based capital ratio | 17.8434% | 2,823 |
| Memoranda: | ||
| Average total assets | $127,959,000 | 4,255 |
| Average earning assets | $116,511,670 | 4,260 |
| Average equity | $15,096,670 | 3,969 |
| Average total loans | $64,218,330 | 4,631 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 5,169 |
| Cost of funding earning assets | 0.9913% | 2,030 |
| Net interest margin | 3.1916% | 5,804 |
| Noninterest income to average assets | 0.4677% | 4,159 |
| Noninterest expense to average assets | 2.1553% | 6,140 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2325% | 1,653 |
| Return on assets (ROA) | 1.2451% | 1,790 |
| Pretax return on assets | 1.2451% | 2,746 |
| Return on Equity (ROE) | 10.5221% | 2,223 |
| Retained earnings to average equity (ytd only) | 6.4361% | 2,722 |
| Net charge-offs to loans | 0.0248% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 353 |
| Efficiency ratio | 62.5000% | 5,188 |
| Assets per employee ($millions) | 4.9647% | 2,294 |
| Cash dividends to net income (ytd only)* | 38.8325% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 3,824 |
| Loan loss allowance to noncurrent loans | 719.2857% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 4,644 |
| Noncurrent loans to loans | 0.2190% | 6,249 |
| Net loans and leases to total assets | 48.7415% | 5,464 |
| Net loans and leases to deposits | 57.6918% | 5,417 |
| Net loans and leases to core deposits | 59.2925% | 5,597 |
| Total domestic deposits to total assets | 84.4860% | 4,279 |
| Equity capital to assets | 11.6933% | 2,268 |
| Core capital (leverage) ratio | 9.3330% | 4,311 |
| Tier 1 risk-based capital ratio | 16.3103% | 3,012 |
| Total risk-based capital ratio | 17.5624% | 2,970 |
| Memoranda: | ||
| Average total assets | $126,573,500 | 4,308 |
| Average earning assets | $115,804,000 | 4,295 |
| Average equity | $14,978,000 | 3,996 |
| Average total loans | $64,599,000 | 4,636 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5297% | 4,958 |
| Cost of funding earning assets | 1.1732% | 2,201 |
| Net interest margin | 3.3565% | 5,623 |
| Noninterest income to average assets | 0.5238% | 3,690 |
| Noninterest expense to average assets | 2.0861% | 6,519 |
| Loan and lease loss provision to assets | 0.1408% | 4,859 |
| Net operating income to assets | 1.3400% | 1,158 |
| Return on assets (ROA) | 1.3749% | 1,161 |
| Pretax return on assets | 1.3945% | 1,802 |
| Return on Equity (ROE) | 11.5117% | 1,553 |
| Retained earnings to average equity (ytd only) | 3.3713% | 3,821 |
| Net charge-offs to loans | 0.0170% | 6,202 |
| Credit loss provision to net charge-offs | 1,563.6364% | 141 |
| Earnings coverage of net charge-offs (x) | 166.6364% | 206 |
| Efficiency ratio | 58.1013% | 6,043 |
| Assets per employee ($millions) | 4.9626% | 2,256 |
| Cash dividends to net income (ytd only)* | 70.7143% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 3,802 |
| Loan loss allowance to noncurrent loans | 443.4211% | 765 |
| Noncurrent assets plus other real estate owned to assets | 1.0753% | 4,465 |
| Noncurrent loans to loans | 0.3493% | 6,032 |
| Net loans and leases to total assets | 51.7983% | 5,343 |
| Net loans and leases to deposits | 62.0719% | 5,232 |
| Net loans and leases to core deposits | 63.9229% | 5,473 |
| Total domestic deposits to total assets | 83.4489% | 4,565 |
| Equity capital to assets | 11.9793% | 2,143 |
| Core capital (leverage) ratio | 9.4532% | 4,105 |
| Tier 1 risk-based capital ratio | 15.9929% | 3,056 |
| Total risk-based capital ratio | 17.2450% | 3,011 |
| Memoranda: | ||
| Average total assets | $122,192,200 | 4,340 |
| Average earning assets | $111,485,600 | 4,355 |
| Average equity | $14,593,800 | 3,990 |
| Average total loans | $64,792,200 | 4,686 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 5,153 |
| Cost of funding earning assets | 1.2045% | 2,292 |
| Net interest margin | 3.3280% | 5,778 |
| Noninterest income to average assets | 0.4184% | 4,523 |
| Noninterest expense to average assets | 2.0855% | 6,523 |
| Loan and lease loss provision to assets | 0.1555% | 4,521 |
| Net operating income to assets | 1.2158% | 1,610 |
| Return on assets (ROA) | 1.2629% | 1,587 |
| Pretax return on assets | 1.2629% | 2,418 |
| Return on Equity (ROE) | 10.5825% | 2,003 |
| Retained earnings to average equity (ytd only) | 5.4335% | 2,887 |
| Net charge-offs to loans | -0.0783% | 7,127 |
| Credit loss provision to net charge-offs | -373.6842% | 6,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3295% | 5,663 |
| Assets per employee ($millions) | 5.0261% | 2,159 |
| Cash dividends to net income (ytd only)* | 48.6558% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 3,964 |
| Loan loss allowance to noncurrent loans | 605.8824% | 562 |
| Noncurrent assets plus other real estate owned to assets | 1.0251% | 4,711 |
| Noncurrent loans to loans | 0.2524% | 6,367 |
| Net loans and leases to total assets | 52.7855% | 5,352 |
| Net loans and leases to deposits | 62.8040% | 5,318 |
| Net loans and leases to core deposits | 65.1513% | 5,508 |
| Total domestic deposits to total assets | 84.0480% | 4,205 |
| Equity capital to assets | 11.9696% | 2,275 |
| Core capital (leverage) ratio | 9.4539% | 4,221 |
| Tier 1 risk-based capital ratio | 15.5990% | 3,331 |
| Total risk-based capital ratio | 16.8500% | 3,295 |
| Memoranda: | ||
| Average total assets | $121,724,250 | 4,373 |
| Average earning assets | $111,136,250 | 4,385 |
| Average equity | $14,526,750 | 4,023 |
| Average total loans | $64,671,750 | 4,724 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 5,196 |
| Cost of funding earning assets | 1.2185% | 2,450 |
| Net interest margin | 3.3253% | 5,786 |
| Noninterest income to average assets | 0.3853% | 4,793 |
| Noninterest expense to average assets | 2.1609% | 6,482 |
| Loan and lease loss provision to assets | 0.2010% | 3,914 |
| Net operating income to assets | 1.0514% | 2,034 |
| Return on assets (ROA) | 1.1128% | 1,921 |
| Pretax return on assets | 1.1128% | 2,799 |
| Return on Equity (ROE) | 9.3343% | 2,369 |
| Retained earnings to average equity (ytd only) | 3.8173% | 3,783 |
| Net charge-offs to loans | -0.0125% | 6,734 |
| Credit loss provision to net charge-offs | -3,025.0000% | 6,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3090% | 5,363 |
| Assets per employee ($millions) | 5.1104% | 1,978 |
| Cash dividends to net income (ytd only)* | 59.1045% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 4,125 |
| Loan loss allowance to noncurrent loans | 149.7696% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 1.4645% | 4,017 |
| Noncurrent loans to loans | 1.0023% | 4,995 |
| Net loans and leases to total assets | 50.0748% | 5,808 |
| Net loans and leases to deposits | 59.1627% | 5,808 |
| Net loans and leases to core deposits | 61.1119% | 5,987 |
| Total domestic deposits to total assets | 84.6390% | 4,055 |
| Equity capital to assets | 11.4716% | 2,527 |
| Core capital (leverage) ratio | 9.4557% | 4,021 |
| Tier 1 risk-based capital ratio | 15.4787% | 3,255 |
| Total risk-based capital ratio | 16.7303% | 3,204 |
| Memoranda: | ||
| Average total assets | $120,415,000 | 4,440 |
| Average earning assets | $109,644,670 | 4,461 |
| Average equity | $14,355,670 | 4,054 |
| Average total loans | $63,777,000 | 4,805 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 4,636 |
| Cost of funding earning assets | 1.2567% | 2,459 |
| Net interest margin | 3.4165% | 5,365 |
| Noninterest income to average assets | 0.3632% | 5,007 |
| Noninterest expense to average assets | 2.2408% | 6,324 |
| Loan and lease loss provision to assets | 0.2775% | 2,935 |
| Net operating income to assets | 0.9559% | 2,332 |
| Return on assets (ROA) | 0.9559% | 2,395 |
| Pretax return on assets | 0.9559% | 3,297 |
| Return on Equity (ROE) | 7.8561% | 2,978 |
| Retained earnings to average equity (ytd only) | 2.9003% | 4,420 |
| Net charge-offs to loans | 0.0063% | 5,038 |
| Credit loss provision to net charge-offs | 8,100.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 360.0000% | 79 |
| Efficiency ratio | 64.4970% | 5,278 |
| Assets per employee ($millions) | 4.7443% | 2,504 |
| Cash dividends to net income (ytd only)* | 63.0824% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 4,419 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 6,232 |
| Noncurrent loans to loans | 0.6101% | 5,814 |
| Net loans and leases to total assets | 53.1124% | 5,432 |
| Net loans and leases to deposits | 61.8872% | 5,511 |
| Net loans and leases to core deposits | 64.2223% | 5,699 |
| Total domestic deposits to total assets | 85.8212% | 3,626 |
| Equity capital to assets | 12.0448% | 1,889 |
| Core capital (leverage) ratio | 9.7264% | 3,487 |
| Tier 1 risk-based capital ratio | 16.0564% | 2,881 |
| Total risk-based capital ratio | 17.3071% | 2,856 |
| Memoranda: | ||
| Average total assets | $116,743,000 | 4,571 |
| Average earning assets | $106,307,000 | 4,587 |
| Average equity | $14,205,500 | 4,068 |
| Average total loans | $63,190,500 | 4,863 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 4,867 |
| Cost of funding earning assets | 1.5181% | 2,544 |
| Net interest margin | 3.4147% | 5,575 |
| Noninterest income to average assets | 0.4091% | 4,830 |
| Noninterest expense to average assets | 2.0719% | 6,909 |
| Loan and lease loss provision to assets | 0.3460% | 4,060 |
| Net operating income to assets | 1.0758% | 1,774 |
| Return on assets (ROA) | 1.1037% | 1,769 |
| Pretax return on assets | 1.1173% | 2,515 |
| Return on Equity (ROE) | 9.1313% | 2,246 |
| Retained earnings to average equity (ytd only) | 3.4974% | 3,417 |
| Net charge-offs to loans | 0.8248% | 2,568 |
| Credit loss provision to net charge-offs | 77.4809% | 5,647 |
| Earnings coverage of net charge-offs (x) | 3.2137% | 3,471 |
| Efficiency ratio | 59.0765% | 6,186 |
| Assets per employee ($millions) | 4.5952% | 2,713 |
| Cash dividends to net income (ytd only)* | 61.6988% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 4,690 |
| Loan loss allowance to noncurrent loans | 194.5080% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 6,167 |
| Noncurrent loans to loans | 0.6997% | 5,651 |
| Net loans and leases to total assets | 53.6269% | 5,685 |
| Net loans and leases to deposits | 63.1203% | 5,730 |
| Net loans and leases to core deposits | 65.6039% | 5,918 |
| Total domestic deposits to total assets | 84.9598% | 3,866 |
| Equity capital to assets | 12.2955% | 1,747 |
| Core capital (leverage) ratio | 9.6213% | 3,523 |
| Tier 1 risk-based capital ratio | 16.4538% | 2,541 |
| Total risk-based capital ratio | 17.7043% | 2,513 |
| Memoranda: | ||
| Average total assets | $117,333,600 | 4,545 |
| Average earning assets | $106,451,200 | 4,549 |
| Average equity | $14,182,000 | 4,108 |
| Average total loans | $63,530,400 | 4,929 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9232% | 5,155 |
| Cost of funding earning assets | 1.5661% | 2,575 |
| Net interest margin | 3.3572% | 5,817 |
| Noninterest income to average assets | 0.3798% | 5,114 |
| Noninterest expense to average assets | 2.1614% | 6,709 |
| Loan and lease loss provision to assets | 0.3968% | 3,526 |
| Net operating income to assets | 0.8580% | 2,786 |
| Return on assets (ROA) | 0.8953% | 2,782 |
| Pretax return on assets | 0.8953% | 3,574 |
| Return on Equity (ROE) | 7.4384% | 3,132 |
| Retained earnings to average equity (ytd only) | 5.1092% | 2,909 |
| Net charge-offs to loans | 1.0972% | 1,854 |
| Credit loss provision to net charge-offs | 66.8571% | 5,511 |
| Earnings coverage of net charge-offs (x) | 2.1143% | 4,140 |
| Efficiency ratio | 63.2694% | 5,387 |
| Assets per employee ($millions) | 4.7013% | 2,594 |
| Cash dividends to net income (ytd only)* | 31.3134% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 5,114 |
| Loan loss allowance to noncurrent loans | 138.0870% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 6,052 |
| Noncurrent loans to loans | 0.9194% | 5,402 |
| Net loans and leases to total assets | 52.5389% | 6,036 |
| Net loans and leases to deposits | 61.5647% | 6,164 |
| Net loans and leases to core deposits | 64.0573% | 6,298 |
| Total domestic deposits to total assets | 85.3393% | 3,440 |
| Equity capital to assets | 12.4136% | 1,901 |
| Core capital (leverage) ratio | 9.5673% | 3,809 |
| Tier 1 risk-based capital ratio | 16.7190% | 2,455 |
| Total risk-based capital ratio | 17.9120% | 2,440 |
| Memoranda: | ||
| Average total assets | $117,947,250 | 4,583 |
| Average earning assets | $106,675,000 | 4,599 |
| Average equity | $14,196,250 | 4,161 |
| Average total loans | $63,799,000 | 4,990 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 5,020 |
| Cost of funding earning assets | 1.6199% | 2,548 |
| Net interest margin | 3.3624% | 5,787 |
| Noninterest income to average assets | 0.3218% | 5,586 |
| Noninterest expense to average assets | 2.0815% | 6,960 |
| Loan and lease loss provision to assets | 0.4522% | 3,060 |
| Net operating income to assets | 0.8045% | 2,951 |
| Return on assets (ROA) | 0.8553% | 2,854 |
| Pretax return on assets | 0.8553% | 3,676 |
| Return on Equity (ROE) | 7.1809% | 3,225 |
| Retained earnings to average equity (ytd only) | 5.0338% | 2,886 |
| Net charge-offs to loans | 1.5697% | 1,210 |
| Credit loss provision to net charge-offs | 52.9762% | 5,356 |
| Earnings coverage of net charge-offs (x) | 1.4722% | 4,384 |
| Efficiency ratio | 62.3541% | 5,634 |
| Assets per employee ($millions) | 4.8286% | 2,408 |
| Cash dividends to net income (ytd only)* | 29.9010% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 5,678 |
| Loan loss allowance to noncurrent loans | 53.9483% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 4,866 |
| Noncurrent loans to loans | 2.1357% | 3,546 |
| Net loans and leases to total assets | 51.9517% | 6,217 |
| Net loans and leases to deposits | 60.4332% | 6,375 |
| Net loans and leases to core deposits | 62.8624% | 6,486 |
| Total domestic deposits to total assets | 85.9654% | 3,114 |
| Equity capital to assets | 11.8758% | 2,165 |
| Core capital (leverage) ratio | 9.2634% | 4,187 |
| Tier 1 risk-based capital ratio | 16.3361% | 2,538 |
| Total risk-based capital ratio | 17.4279% | 2,556 |
| Memoranda: | ||
| Average total assets | $118,085,670 | 4,616 |
| Average earning assets | $105,935,330 | 4,645 |
| Average equity | $14,065,000 | 4,188 |
| Average total loans | $64,217,330 | 5,010 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 4,428 |
| Cost of funding earning assets | 1.6804% | 2,479 |
| Net interest margin | 3.4418% | 5,413 |
| Noninterest income to average assets | 0.2912% | 5,814 |
| Noninterest expense to average assets | 2.0587% | 7,041 |
| Loan and lease loss provision to assets | 0.3494% | 3,283 |
| Net operating income to assets | 0.9420% | 2,384 |
| Return on assets (ROA) | 0.9489% | 2,431 |
| Pretax return on assets | 0.9489% | 3,267 |
| Return on Equity (ROE) | 7.9543% | 2,905 |
| Retained earnings to average equity (ytd only) | 4.4797% | 3,472 |
| Net charge-offs to loans | 2.1051% | 809 |
| Credit loss provision to net charge-offs | 30.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | 1.1088% | 4,100 |
| Efficiency ratio | 61.4519% | 5,918 |
| Assets per employee ($millions) | 4.7195% | 2,617 |
| Cash dividends to net income (ytd only)* | 43.6823% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 5,884 |
| Loan loss allowance to noncurrent loans | 50.3448% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 1.2289% | 4,720 |
| Noncurrent loans to loans | 2.2370% | 3,476 |
| Net loans and leases to total assets | 54.3178% | 5,988 |
| Net loans and leases to deposits | 63.2113% | 6,146 |
| Net loans and leases to core deposits | 66.5607% | 6,244 |
| Total domestic deposits to total assets | 85.9307% | 3,192 |
| Equity capital to assets | 11.9030% | 2,103 |
| Core capital (leverage) ratio | 9.4089% | 3,899 |
| Tier 1 risk-based capital ratio | 15.9780% | 2,667 |
| Total risk-based capital ratio | 17.0642% | 2,664 |
| Memoranda: | ||
| Average total assets | $116,770,500 | 4,699 |
| Average earning assets | $103,783,000 | 4,758 |
| Average equity | $13,929,500 | 4,260 |
| Average total loans | $64,603,500 | 5,056 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2168% | 5,577 |
| Cost of funding earning assets | 2.1068% | 2,425 |
| Net interest margin | 3.1100% | 6,338 |
| Noninterest income to average assets | 0.4427% | 4,860 |
| Noninterest expense to average assets | 2.0123% | 7,356 |
| Loan and lease loss provision to assets | 0.3434% | 4,736 |
| Net operating income to assets | 0.9357% | 2,069 |
| Return on assets (ROA) | 0.9565% | 2,043 |
| Pretax return on assets | 0.9671% | 2,702 |
| Return on Equity (ROE) | 7.8688% | 2,427 |
| Retained earnings to average equity (ytd only) | 1.8064% | 3,828 |
| Net charge-offs to loans | 0.3655% | 4,393 |
| Credit loss provision to net charge-offs | 173.0088% | 2,450 |
| Earnings coverage of net charge-offs (x) | 6.4956% | 2,352 |
| Efficiency ratio | 60.9471% | 6,343 |
| Assets per employee ($millions) | 5.0241% | 2,185 |
| Cash dividends to net income (ytd only)* | 77.0432% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 3,710 |
| Loan loss allowance to noncurrent loans | 51.0279% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 1.6417% | 3,911 |
| Noncurrent loans to loans | 2.9462% | 2,615 |
| Net loans and leases to total assets | 54.8843% | 6,094 |
| Net loans and leases to deposits | 64.3359% | 6,228 |
| Net loans and leases to core deposits | 78.2415% | 6,242 |
| Total domestic deposits to total assets | 85.3090% | 3,407 |
| Equity capital to assets | 11.9554% | 2,056 |
| Core capital (leverage) ratio | 9.3038% | 3,966 |
| Tier 1 risk-based capital ratio | 16.2991% | 2,396 |
| Total risk-based capital ratio | 17.5527% | 2,339 |
| Memoranda: | ||
| Average total assets | $113,849,600 | 4,732 |
| Average earning assets | $104,661,800 | 4,712 |
| Average equity | $13,839,400 | 4,301 |
| Average total loans | $61,835,600 | 5,177 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 5,971 |
| Cost of funding earning assets | 2.1679% | 2,564 |
| Net interest margin | 3.0099% | 6,583 |
| Noninterest income to average assets | 0.4773% | 4,697 |
| Noninterest expense to average assets | 2.0031% | 7,376 |
| Loan and lease loss provision to assets | 0.1987% | 5,402 |
| Net operating income to assets | 1.0697% | 1,830 |
| Return on assets (ROA) | 1.0979% | 1,795 |
| Pretax return on assets | 1.0979% | 2,582 |
| Return on Equity (ROE) | 8.9943% | 2,260 |
| Retained earnings to average equity (ytd only) | 5.6816% | 2,112 |
| Net charge-offs to loans | 0.0087% | 6,835 |
| Credit loss provision to net charge-offs | 4,225.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 269.9118% | 137 |
| Efficiency ratio | 61.2289% | 6,234 |
| Assets per employee ($millions) | 4.8125% | 2,383 |
| Cash dividends to net income (ytd only)* | 36.8313% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 3,299 |
| Loan loss allowance to noncurrent loans | 42.4561% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 1.9740% | 3,383 |
| Noncurrent loans to loans | 3.5954% | 2,075 |
| Net loans and leases to total assets | 54.0671% | 6,373 |
| Net loans and leases to deposits | 63.2990% | 6,560 |
| Net loans and leases to core deposits | 76.4270% | 6,584 |
| Total domestic deposits to total assets | 85.4155% | 3,018 |
| Equity capital to assets | 12.2936% | 2,069 |
| Core capital (leverage) ratio | 9.6299% | 3,741 |
| Tier 1 risk-based capital ratio | 17.2298% | 2,205 |
| Total risk-based capital ratio | 18.4840% | 2,147 |
| Memoranda: | ||
| Average total assets | $113,423,500 | 4,767 |
| Average earning assets | $105,292,500 | 4,728 |
| Average equity | $13,845,500 | 4,324 |
| Average total loans | $61,197,250 | 5,237 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2112% | 6,038 |
| Cost of funding earning assets | 2.2100% | 2,750 |
| Net interest margin | 3.0012% | 6,550 |
| Noninterest income to average assets | 0.5216% | 4,261 |
| Noninterest expense to average assets | 1.9923% | 7,474 |
| Loan and lease loss provision to assets | 0.0603% | 6,616 |
| Net operating income to assets | 1.2685% | 1,307 |
| Return on assets (ROA) | 1.2933% | 1,328 |
| Pretax return on assets | 1.2933% | 2,041 |
| Return on Equity (ROE) | 10.6209% | 1,815 |
| Retained earnings to average equity (ytd only) | 6.8475% | 1,641 |
| Net charge-offs to loans | 0.0033% | 6,576 |
| Credit loss provision to net charge-offs | 3,400.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 749.0000% | 37 |
| Efficiency ratio | 59.9893% | 6,556 |
| Assets per employee ($millions) | 4.7538% | 2,393 |
| Cash dividends to net income (ytd only)* | 35.5281% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 3,620 |
| Loan loss allowance to noncurrent loans | 37.9483% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 2.0352% | 3,152 |
| Noncurrent loans to loans | 3.7416% | 1,852 |
| Net loans and leases to total assets | 50.8743% | 6,794 |
| Net loans and leases to deposits | 59.4642% | 6,931 |
| Net loans and leases to core deposits | 71.2027% | 6,955 |
| Total domestic deposits to total assets | 85.5545% | 2,994 |
| Equity capital to assets | 12.0439% | 2,179 |
| Core capital (leverage) ratio | 9.7245% | 3,603 |
| Tier 1 risk-based capital ratio | 18.1557% | 1,972 |
| Total risk-based capital ratio | 19.4078% | 1,921 |
| Memoranda: | ||
| Average total assets | $112,731,670 | 4,812 |
| Average earning assets | $105,158,670 | 4,751 |
| Average equity | $13,727,670 | 4,365 |
| Average total loans | $60,458,000 | 5,306 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4155% | 5,339 |
| Cost of funding earning assets | 2.2679% | 2,845 |
| Net interest margin | 3.1476% | 6,028 |
| Noninterest income to average assets | 0.5319% | 4,045 |
| Noninterest expense to average assets | 1.9884% | 7,379 |
| Loan and lease loss provision to assets | 0.0250% | 6,601 |
| Net operating income to assets | 1.4565% | 1,026 |
| Return on assets (ROA) | 1.4957% | 1,015 |
| Pretax return on assets | 1.4957% | 1,678 |
| Return on Equity (ROE) | 12.2149% | 1,595 |
| Retained earnings to average equity (ytd only) | 12.0691% | 774 |
| Net charge-offs to loans | -0.0196% | 7,434 |
| Credit loss provision to net charge-offs | -233.3333% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3045% | 6,788 |
| Assets per employee ($millions) | 4.6643% | 2,492 |
| Cash dividends to net income (ytd only)* | 1.1933% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 3,839 |
| Loan loss allowance to noncurrent loans | 37.1572% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 1.9546% | 2,971 |
| Noncurrent loans to loans | 3.6126% | 1,744 |
| Net loans and leases to total assets | 53.3776% | 6,541 |
| Net loans and leases to deposits | 62.6679% | 6,681 |
| Net loans and leases to core deposits | 76.4376% | 6,643 |
| Total domestic deposits to total assets | 85.1754% | 3,118 |
| Equity capital to assets | 12.4850% | 1,981 |
| Core capital (leverage) ratio | 9.8149% | 3,620 |
| Tier 1 risk-based capital ratio | 17.9794% | 2,058 |
| Total risk-based capital ratio | 19.2308% | 2,007 |
| Memoranda: | ||
| Average total assets | $112,052,000 | 4,854 |
| Average earning assets | $104,589,000 | 4,787 |
| Average equity | $13,721,000 | 4,399 |
| Average total loans | $61,247,500 | 5,313 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7399% | 6,640 |
| Cost of funding earning assets | 2.7475% | 2,939 |
| Net interest margin | 2.9923% | 6,935 |
| Noninterest income to average assets | 0.4064% | 5,418 |
| Noninterest expense to average assets | 2.0904% | 7,257 |
| Loan and lease loss provision to assets | 0.0251% | 7,086 |
| Net operating income to assets | 1.0787% | 2,228 |
| Return on assets (ROA) | 1.0787% | 2,147 |
| Pretax return on assets | 1.0871% | 3,065 |
| Return on Equity (ROE) | 8.9617% | 2,655 |
| Retained earnings to average equity (ytd only) | 2.5494% | 3,615 |
| Net charge-offs to loans | 0.0068% | 6,863 |
| Credit loss provision to net charge-offs | 675.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 299.0000% | 160 |
| Efficiency ratio | 65.2729% | 5,259 |
| Assets per employee ($millions) | 4.4865% | 2,637 |
| Cash dividends to net income (ytd only)* | 71.5517% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 3,807 |
| Loan loss allowance to noncurrent loans | 43.5230% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 1.6449% | 2,959 |
| Noncurrent loans to loans | 2.9792% | 1,801 |
| Net loans and leases to total assets | 54.4988% | 6,599 |
| Net loans and leases to deposits | 64.3246% | 6,766 |
| Net loans and leases to core deposits | 77.4200% | 6,775 |
| Total domestic deposits to total assets | 84.7248% | 2,965 |
| Equity capital to assets | 12.0058% | 2,291 |
| Core capital (leverage) ratio | 9.7465% | 3,719 |
| Tier 1 risk-based capital ratio | 17.1090% | 2,277 |
| Total risk-based capital ratio | 18.3591% | 2,227 |
| Memoranda: | ||
| Average total assets | $107,536,800 | 4,844 |
| Average earning assets | $100,490,200 | 4,793 |
| Average equity | $12,944,000 | 4,594 |
| Average total loans | $58,825,400 | 5,326 |