Home > Northwestern Bank > Performance and Condition Ratios
Northwestern 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 | 5.9920% | 645 |
| Cost of funding earning assets | 0.7441% | 3,862 |
| Net interest margin | 5.2479% | 252 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 4.0529% | 351 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1243% | 1,842 |
| Return on assets (ROA) | 1.1243% | 1,821 |
| Pretax return on assets | 1.1243% | 2,333 |
| Return on Equity (ROE) | 11.8600% | 1,989 |
| Retained earnings to average equity (ytd only) | 3.8792% | 3,002 |
| Net charge-offs to loans | -0.1935% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.9186% | 1,170 |
| Assets per employee ($millions) | 4.2672% | 4,053 |
| Cash dividends to net income (ytd only)* | 67.3025% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 879 |
| Loan loss allowance to noncurrent loans | 857.9909% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 2,651 |
| Noncurrent loans to loans | 0.1838% | 2,595 |
| Net loans and leases to total assets | 70.4700% | 1,757 |
| Net loans and leases to deposits | 79.3398% | 2,160 |
| Net loans and leases to core deposits | 79.7759% | 2,714 |
| Total domestic deposits to total assets | 88.8200% | 1,113 |
| Equity capital to assets | 9.7296% | 2,179 |
| Core capital (leverage) ratio | 9.9324% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $163,215,400 | 3,249 |
| Average earning assets | $151,185,000 | 3,240 |
| Average equity | $15,467,200 | 3,225 |
| Average total loans | $118,359,600 | 2,970 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9662% | 554 |
| Cost of funding earning assets | 0.6448% | 3,888 |
| Net interest margin | 5.3214% | 221 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 4.1490% | 329 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1165% | 2,003 |
| Return on assets (ROA) | 1.1165% | 1,986 |
| Pretax return on assets | 1.1165% | 2,522 |
| Return on Equity (ROE) | 11.8600% | 2,161 |
| Retained earnings to average equity (ytd only) | 3.8815% | 3,291 |
| Net charge-offs to loans | -0.3171% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.7060% | 1,033 |
| Assets per employee ($millions) | 4.5771% | 3,895 |
| Cash dividends to net income (ytd only)* | 67.2794% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 1,021 |
| Loan loss allowance to noncurrent loans | 2,880.0000% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 3,406 |
| Noncurrent loans to loans | 0.0534% | 3,370 |
| Net loans and leases to total assets | 72.7900% | 1,491 |
| Net loans and leases to deposits | 81.6895% | 1,928 |
| Net loans and leases to core deposits | 82.1404% | 2,458 |
| Total domestic deposits to total assets | 89.1000% | 1,211 |
| Equity capital to assets | 9.3225% | 2,210 |
| Core capital (leverage) ratio | 10.1891% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $162,414,250 | 3,262 |
| Average earning assets | $150,333,250 | 3,258 |
| Average equity | $15,286,000 | 3,227 |
| Average total loans | $118,161,500 | 2,977 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9491% | 470 |
| Cost of funding earning assets | 0.4858% | 4,009 |
| Net interest margin | 5.4634% | 178 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 4.1763% | 310 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1929% | 1,847 |
| Return on assets (ROA) | 1.1929% | 1,837 |
| Pretax return on assets | 1.1929% | 2,380 |
| Return on Equity (ROE) | 12.6300% | 1,980 |
| Retained earnings to average equity (ytd only) | 2.9356% | 3,493 |
| Net charge-offs to loans | -0.4173% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.2023% | 1,155 |
| Assets per employee ($millions) | 4.0452% | 4,164 |
| Cash dividends to net income (ytd only)* | 76.7635% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 1,094 |
| Loan loss allowance to noncurrent loans | 1,042.0455% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 2,760 |
| Noncurrent loans to loans | 0.1467% | 2,730 |
| Net loans and leases to total assets | 74.8800% | 1,182 |
| Net loans and leases to deposits | 84.3534% | 1,639 |
| Net loans and leases to core deposits | 84.8405% | 2,153 |
| Total domestic deposits to total assets | 88.7600% | 1,326 |
| Equity capital to assets | 9.7311% | 2,011 |
| Core capital (leverage) ratio | 10.2229% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $161,627,667 | 3,276 |
| Average earning assets | $149,871,000 | 3,271 |
| Average equity | $15,261,000 | 3,248 |
| Average total loans | $116,946,667 | 2,988 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5835% | 547 |
| Cost of funding earning assets | 0.3800% | 4,010 |
| Net interest margin | 5.2035% | 222 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 4.0646% | 343 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 0.9269% | 2,768 |
| Return on assets (ROA) | 0.9269% | 2,725 |
| Pretax return on assets | 0.9269% | 3,173 |
| Return on Equity (ROE) | 9.9600% | 2,795 |
| Retained earnings to average equity (ytd only) | 3.6542% | 3,358 |
| Net charge-offs to loans | 0.0139% | 1,435 |
| Credit loss provision to net charge-offs | 2,250.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 117.2500% | 719 |
| Efficiency ratio | 77.9916% | 1,004 |
| Assets per employee ($millions) | 4.5912% | 3,967 |
| Cash dividends to net income (ytd only)* | 63.3245% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 1,736 |
| Loan loss allowance to noncurrent loans | 528.6667% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 2,240 |
| Noncurrent loans to loans | 0.2592% | 2,221 |
| Net loans and leases to total assets | 69.0800% | 1,721 |
| Net loans and leases to deposits | 77.3547% | 2,007 |
| Net loans and leases to core deposits | 77.9377% | 2,393 |
| Total domestic deposits to total assets | 89.3000% | 1,422 |
| Equity capital to assets | 9.3162% | 2,285 |
| Core capital (leverage) ratio | 9.6331% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $163,560,000 | 3,308 |
| Average earning assets | $151,590,000 | 3,303 |
| Average equity | $15,215,500 | 3,285 |
| Average total loans | $115,440,000 | 3,026 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7224% | 498 |
| Cost of funding earning assets | 0.1622% | 4,047 |
| Net interest margin | 4.5603% | 265 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.9635% | 341 |
| Loan and lease loss provision to assets | 0.3300% | 233 |
| Net operating income to assets | 0.3441% | 4,325 |
| Return on assets (ROA) | 0.3441% | 4,288 |
| Pretax return on assets | 0.3441% | 4,335 |
| Return on Equity (ROE) | 3.6400% | 4,216 |
| Retained earnings to average equity (ytd only) | 1.8964% | 4,001 |
| Net charge-offs to loans | 0.7976% | 85 |
| Credit loss provision to net charge-offs | 60.1124% | 1,777 |
| Earnings coverage of net charge-offs (x) | 1.2337% | 2,544 |
| Efficiency ratio | 85.5202% | 438 |
| Assets per employee ($millions) | 4.1497% | 4,226 |
| Cash dividends to net income (ytd only)* | 47.9574% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 1,875 |
| Loan loss allowance to noncurrent loans | 308.2136% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 1,653 |
| Noncurrent loans to loans | 0.4230% | 1,659 |
| Net loans and leases to total assets | 70.2100% | 1,620 |
| Net loans and leases to deposits | 78.5611% | 1,889 |
| Net loans and leases to core deposits | 79.9200% | 2,141 |
| Total domestic deposits to total assets | 89.3600% | 1,619 |
| Equity capital to assets | 9.2889% | 2,165 |
| Core capital (leverage) ratio | 9.6508% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $163,618,000 | 3,318 |
| Average earning assets | $152,294,200 | 3,304 |
| Average equity | $15,450,200 | 3,329 |
| Average total loans | $111,588,000 | 3,010 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 483 |
| Cost of funding earning assets | 0.1205% | 4,120 |
| Net interest margin | 4.3992% | 280 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 4.0357% | 321 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.2918% | 4,389 |
| Return on assets (ROA) | 0.2918% | 4,348 |
| Pretax return on assets | 0.2918% | 4,383 |
| Return on Equity (ROE) | 3.0800% | 4,291 |
| Retained earnings to average equity (ytd only) | 0.7629% | 4,253 |
| Net charge-offs to loans | 0.6720% | 86 |
| Credit loss provision to net charge-offs | 34.9462% | 1,585 |
| Earnings coverage of net charge-offs (x) | 0.9928% | 2,283 |
| Efficiency ratio | 89.9638% | 319 |
| Assets per employee ($millions) | 4.3674% | 4,143 |
| Cash dividends to net income (ytd only)* | 75.2089% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 1,979 |
| Loan loss allowance to noncurrent loans | 177.6190% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 1,049 |
| Noncurrent loans to loans | 0.7386% | 1,098 |
| Net loans and leases to total assets | 69.4500% | 1,532 |
| Net loans and leases to deposits | 77.5446% | 1,755 |
| Net loans and leases to core deposits | 78.7183% | 1,992 |
| Total domestic deposits to total assets | 89.5700% | 1,844 |
| Equity capital to assets | 8.9570% | 2,241 |
| Core capital (leverage) ratio | 9.6460% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $164,063,000 | 3,340 |
| Average earning assets | $152,751,250 | 3,324 |
| Average equity | $15,554,500 | 3,360 |
| Average total loans | $110,705,000 | 3,032 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3620% | 469 |
| Cost of funding earning assets | 0.1076% | 4,108 |
| Net interest margin | 4.2544% | 301 |
| Noninterest income to average assets | 0.3833% | 2,850 |
| Noninterest expense to average assets | 4.0501% | 272 |
| Loan and lease loss provision to assets | -0.1213% | 4,623 |
| Net operating income to assets | 0.4367% | 4,037 |
| Return on assets (ROA) | 0.4367% | 3,993 |
| Pretax return on assets | 0.4367% | 4,106 |
| Return on Equity (ROE) | 4.5241% | 3,905 |
| Retained earnings to average equity (ytd only) | 3.0161% | 3,439 |
| Net charge-offs to loans | 0.0292% | 1,144 |
| Credit loss provision to net charge-offs | -625.0000% | 3,429 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 1,627 |
| Efficiency ratio | 92.7758% | 329 |
| Assets per employee ($millions) | 3.9966% | 4,370 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 1,256 |
| Loan loss allowance to noncurrent loans | 78.4491% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3874% | 275 |
| Noncurrent loans to loans | 1.9847% | 328 |
| Net loans and leases to total assets | 68.8196% | 1,412 |
| Net loans and leases to deposits | 77.3352% | 1,586 |
| Net loans and leases to core deposits | 78.4446% | 1,828 |
| Total domestic deposits to total assets | 88.9887% | 2,190 |
| Equity capital to assets | 9.5582% | 1,972 |
| Core capital (leverage) ratio | 9.6141% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,886,000 | 3,369 |
| Average earning assets | $154,334,000 | 3,354 |
| Average equity | $15,914,667 | 3,412 |
| Average total loans | $109,697,667 | 3,066 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1890% | 528 |
| Cost of funding earning assets | 0.1123% | 3,977 |
| Net interest margin | 4.0767% | 353 |
| Noninterest income to average assets | 0.3584% | 2,943 |
| Noninterest expense to average assets | 4.0741% | 266 |
| Loan and lease loss provision to assets | -0.2390% | 4,710 |
| Net operating income to assets | 0.3393% | 4,075 |
| Return on assets (ROA) | 0.3393% | 4,042 |
| Pretax return on assets | 0.3393% | 4,128 |
| Return on Equity (ROE) | 3.4993% | 3,996 |
| Retained earnings to average equity (ytd only) | 3.4993% | 3,118 |
| Net charge-offs to loans | 0.0037% | 1,640 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,566 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 994 |
| Efficiency ratio | 97.5959% | 288 |
| Assets per employee ($millions) | 4.1627% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 1,080 |
| Loan loss allowance to noncurrent loans | 58.7999% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.7915% | 173 |
| Noncurrent loans to loans | 2.8628% | 192 |
| Net loans and leases to total assets | 61.5247% | 1,913 |
| Net loans and leases to deposits | 68.9634% | 2,055 |
| Net loans and leases to core deposits | 69.9098% | 2,303 |
| Total domestic deposits to total assets | 89.2137% | 1,970 |
| Equity capital to assets | 9.4603% | 2,317 |
| Core capital (leverage) ratio | 9.4897% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,397,500 | 3,367 |
| Average earning assets | $156,696,500 | 3,355 |
| Average equity | $16,232,000 | 3,450 |
| Average total loans | $108,668,000 | 3,077 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 179 |
| Cost of funding earning assets | 0.2208% | 3,243 |
| Net interest margin | 5.0467% | 131 |
| Noninterest income to average assets | 0.3881% | 3,114 |
| Noninterest expense to average assets | 4.1933% | 255 |
| Loan and lease loss provision to assets | 0.1530% | 778 |
| Net operating income to assets | 0.7860% | 3,373 |
| Return on assets (ROA) | 0.7860% | 3,446 |
| Pretax return on assets | 0.7860% | 3,753 |
| Return on Equity (ROE) | 7.6830% | 3,324 |
| Retained earnings to average equity (ytd only) | 2.8961% | 3,680 |
| Net charge-offs to loans | -0.0008% | 3,268 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7032% | 703 |
| Assets per employee ($millions) | 4.1046% | 4,383 |
| Cash dividends to net income (ytd only)* | 62.3053% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 1,177 |
| Loan loss allowance to noncurrent loans | 57.3948% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.9205% | 169 |
| Noncurrent loans to loans | 2.8567% | 211 |
| Net loans and leases to total assets | 66.1271% | 1,457 |
| Net loans and leases to deposits | 73.7298% | 1,741 |
| Net loans and leases to core deposits | 74.6707% | 2,021 |
| Total domestic deposits to total assets | 89.6885% | 1,118 |
| Equity capital to assets | 9.9306% | 2,725 |
| Core capital (leverage) ratio | 9.4256% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,357,400 | 3,361 |
| Average earning assets | $153,565,200 | 3,340 |
| Average equity | $16,712,200 | 3,486 |
| Average total loans | $120,698,600 | 2,946 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 142 |
| Cost of funding earning assets | 0.2407% | 3,205 |
| Net interest margin | 5.2927% | 106 |
| Noninterest income to average assets | 0.3971% | 3,099 |
| Noninterest expense to average assets | 4.1844% | 254 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2019% | 2,165 |
| Return on assets (ROA) | 1.2019% | 2,223 |
| Pretax return on assets | 1.2019% | 2,926 |
| Return on Equity (ROE) | 11.6205% | 2,171 |
| Retained earnings to average equity (ytd only) | 5.2618% | 3,117 |
| Net charge-offs to loans | -0.0022% | 3,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6862% | 901 |
| Assets per employee ($millions) | 3.9471% | 4,475 |
| Cash dividends to net income (ytd only)* | 54.7196% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 2,409 |
| Loan loss allowance to noncurrent loans | 278.1629% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 2,009 |
| Noncurrent loans to loans | 0.4734% | 2,139 |
| Net loans and leases to total assets | 74.3197% | 666 |
| Net loans and leases to deposits | 83.4679% | 1,001 |
| Net loans and leases to core deposits | 84.4341% | 1,393 |
| Total domestic deposits to total assets | 89.0399% | 1,256 |
| Equity capital to assets | 10.5202% | 2,442 |
| Core capital (leverage) ratio | 9.6790% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,187,000 | 3,409 |
| Average earning assets | $152,887,000 | 3,381 |
| Average equity | $16,774,500 | 3,528 |
| Average total loans | $122,588,000 | 2,969 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7065% | 130 |
| Cost of funding earning assets | 0.2664% | 3,119 |
| Net interest margin | 5.4401% | 106 |
| Noninterest income to average assets | 0.4005% | 3,105 |
| Noninterest expense to average assets | 4.1785% | 253 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3555% | 1,689 |
| Return on assets (ROA) | 1.3555% | 1,770 |
| Pretax return on assets | 1.3555% | 2,452 |
| Return on Equity (ROE) | 13.1808% | 1,653 |
| Retained earnings to average equity (ytd only) | 6.8899% | 2,470 |
| Net charge-offs to loans | -0.0016% | 3,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5066% | 1,129 |
| Assets per employee ($millions) | 3.8664% | 4,516 |
| Cash dividends to net income (ytd only)* | 47.7273% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 2,521 |
| Loan loss allowance to noncurrent loans | 308.0614% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 2,316 |
| Noncurrent loans to loans | 0.4165% | 2,434 |
| Net loans and leases to total assets | 76.0429% | 590 |
| Net loans and leases to deposits | 85.3193% | 959 |
| Net loans and leases to core deposits | 87.3557% | 1,318 |
| Total domestic deposits to total assets | 89.1274% | 1,215 |
| Equity capital to assets | 10.4421% | 2,446 |
| Core capital (leverage) ratio | 9.6070% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,305,333 | 3,413 |
| Average earning assets | $153,160,000 | 3,384 |
| Average equity | $16,691,000 | 3,543 |
| Average total loans | $122,824,667 | 2,985 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7891% | 139 |
| Cost of funding earning assets | 0.2952% | 3,047 |
| Net interest margin | 5.4939% | 105 |
| Noninterest income to average assets | 0.3969% | 3,107 |
| Noninterest expense to average assets | 4.2573% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3238% | 1,748 |
| Return on assets (ROA) | 1.3238% | 1,833 |
| Pretax return on assets | 1.3238% | 2,503 |
| Return on Equity (ROE) | 12.9726% | 1,681 |
| Retained earnings to average equity (ytd only) | 6.9332% | 2,595 |
| Net charge-offs to loans | 0.0033% | 1,810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 537.0000% | 177 |
| Efficiency ratio | 76.2809% | 1,107 |
| Assets per employee ($millions) | 3.9205% | 4,527 |
| Cash dividends to net income (ytd only)* | 46.5549% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 2,275 |
| Loan loss allowance to noncurrent loans | 252.5984% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 1,457 |
| Noncurrent loans to loans | 0.5282% | 2,268 |
| Net loans and leases to total assets | 72.0330% | 1,023 |
| Net loans and leases to deposits | 82.6298% | 1,283 |
| Net loans and leases to core deposits | 86.0154% | 1,522 |
| Total domestic deposits to total assets | 87.1755% | 2,242 |
| Equity capital to assets | 10.1153% | 2,598 |
| Core capital (leverage) ratio | 9.7103% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,263,000 | 3,408 |
| Average earning assets | $153,116,500 | 3,384 |
| Average equity | $16,558,000 | 3,553 |
| Average total loans | $121,691,500 | 3,001 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 206 |
| Cost of funding earning assets | 0.5033% | 2,928 |
| Net interest margin | 4.9368% | 137 |
| Noninterest income to average assets | 0.3904% | 3,146 |
| Noninterest expense to average assets | 4.1110% | 341 |
| Loan and lease loss provision to assets | 0.1387% | 2,624 |
| Net operating income to assets | 0.8110% | 3,050 |
| Return on assets (ROA) | 0.8097% | 3,172 |
| Pretax return on assets | 0.8097% | 3,609 |
| Return on Equity (ROE) | 7.9039% | 2,857 |
| Retained earnings to average equity (ytd only) | 2.8131% | 3,461 |
| Net charge-offs to loans | 0.0920% | 1,533 |
| Credit loss provision to net charge-offs | 191.3043% | 2,202 |
| Earnings coverage of net charge-offs (x) | 13.0957% | 2,300 |
| Efficiency ratio | 81.2336% | 797 |
| Assets per employee ($millions) | 3.8063% | 4,503 |
| Cash dividends to net income (ytd only)* | 64.4081% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,396 |
| Loan loss allowance to noncurrent loans | 210.7753% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 1,376 |
| Noncurrent loans to loans | 0.6179% | 2,149 |
| Net loans and leases to total assets | 76.0421% | 787 |
| Net loans and leases to deposits | 88.8808% | 1,012 |
| Net loans and leases to core deposits | 93.7654% | 1,262 |
| Total domestic deposits to total assets | 85.5552% | 2,545 |
| Equity capital to assets | 10.2963% | 2,840 |
| Core capital (leverage) ratio | 9.3978% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,572,800 | 3,304 |
| Average earning assets | $150,017,600 | 3,263 |
| Average equity | $16,245,200 | 3,527 |
| Average total loans | $124,933,200 | 2,923 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5576% | 205 |
| Cost of funding earning assets | 0.5507% | 2,920 |
| Net interest margin | 5.0069% | 138 |
| Noninterest income to average assets | 0.3859% | 3,152 |
| Noninterest expense to average assets | 4.0804% | 356 |
| Loan and lease loss provision to assets | 0.1687% | 2,312 |
| Net operating income to assets | 0.8788% | 2,780 |
| Return on assets (ROA) | 0.8804% | 2,903 |
| Pretax return on assets | 0.8804% | 3,432 |
| Return on Equity (ROE) | 8.6051% | 2,564 |
| Retained earnings to average equity (ytd only) | 4.4714% | 2,814 |
| Net charge-offs to loans | 0.0191% | 2,474 |
| Credit loss provision to net charge-offs | 1,111.1111% | 774 |
| Earnings coverage of net charge-offs (x) | 69.0556% | 1,004 |
| Efficiency ratio | 79.5761% | 894 |
| Assets per employee ($millions) | 3.9560% | 4,348 |
| Cash dividends to net income (ytd only)* | 48.0383% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 2,050 |
| Loan loss allowance to noncurrent loans | 274.6732% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 1,848 |
| Noncurrent loans to loans | 0.4834% | 2,617 |
| Net loans and leases to total assets | 75.1857% | 1,211 |
| Net loans and leases to deposits | 89.1968% | 1,350 |
| Net loans and leases to core deposits | 95.8873% | 1,465 |
| Total domestic deposits to total assets | 84.2919% | 2,718 |
| Equity capital to assets | 9.9500% | 3,273 |
| Core capital (leverage) ratio | 9.5759% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,250,000 | 3,290 |
| Average earning assets | $149,870,250 | 3,245 |
| Average equity | $16,191,500 | 3,531 |
| Average total loans | $125,374,500 | 2,923 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8764% | 169 |
| Cost of funding earning assets | 0.6034% | 2,942 |
| Net interest margin | 5.2730% | 121 |
| Noninterest income to average assets | 0.3779% | 3,215 |
| Noninterest expense to average assets | 4.1255% | 359 |
| Loan and lease loss provision to assets | 0.2570% | 1,645 |
| Net operating income to assets | 0.9819% | 2,393 |
| Return on assets (ROA) | 0.9845% | 2,517 |
| Pretax return on assets | 0.9845% | 3,073 |
| Return on Equity (ROE) | 9.5285% | 2,132 |
| Retained earnings to average equity (ytd only) | 6.3814% | 1,908 |
| Net charge-offs to loans | 0.0320% | 2,090 |
| Credit loss provision to net charge-offs | 1,000.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 48.2000% | 1,128 |
| Efficiency ratio | 76.9046% | 1,167 |
| Assets per employee ($millions) | 3.9204% | 4,382 |
| Cash dividends to net income (ytd only)* | 33.0287% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,182 |
| Loan loss allowance to noncurrent loans | 348.3402% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 2,138 |
| Noncurrent loans to loans | 0.3629% | 3,103 |
| Net loans and leases to total assets | 79.6533% | 631 |
| Net loans and leases to deposits | 94.4260% | 920 |
| Net loans and leases to core deposits | 103.6291% | 1,026 |
| Total domestic deposits to total assets | 84.3553% | 2,609 |
| Equity capital to assets | 10.0172% | 3,187 |
| Core capital (leverage) ratio | 9.8478% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,616,667 | 3,296 |
| Average earning assets | $147,164,667 | 3,251 |
| Average equity | $16,078,000 | 3,546 |
| Average total loans | $124,965,333 | 2,918 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6358% | 278 |
| Cost of funding earning assets | 0.6652% | 3,085 |
| Net interest margin | 4.9706% | 206 |
| Noninterest income to average assets | 0.4103% | 3,028 |
| Noninterest expense to average assets | 4.2939% | 370 |
| Loan and lease loss provision to assets | 0.1324% | 2,071 |
| Net operating income to assets | 0.6724% | 3,360 |
| Return on assets (ROA) | 0.6671% | 3,447 |
| Pretax return on assets | 0.6671% | 3,778 |
| Return on Equity (ROE) | 6.3516% | 3,191 |
| Retained earnings to average equity (ytd only) | 2.5709% | 3,241 |
| Net charge-offs to loans | 0.0330% | 1,734 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 30.4000% | 1,175 |
| Efficiency ratio | 84.2160% | 811 |
| Assets per employee ($millions) | 3.5566% | 4,432 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 2,385 |
| Loan loss allowance to noncurrent loans | 288.7430% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 2,058 |
| Noncurrent loans to loans | 0.4331% | 2,954 |
| Net loans and leases to total assets | 81.3468% | 523 |
| Net loans and leases to deposits | 94.7589% | 1,014 |
| Net loans and leases to core deposits | 103.8581% | 1,196 |
| Total domestic deposits to total assets | 85.8461% | 2,061 |
| Equity capital to assets | 10.6708% | 3,175 |
| Core capital (leverage) ratio | 9.8587% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,097,000 | 3,310 |
| Average earning assets | $142,517,500 | 3,271 |
| Average equity | $15,870,000 | 3,568 |
| Average total loans | $121,031,500 | 2,944 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7706% | 344 |
| Cost of funding earning assets | 0.6701% | 3,316 |
| Net interest margin | 5.1005% | 220 |
| Noninterest income to average assets | 0.4372% | 3,072 |
| Noninterest expense to average assets | 4.5442% | 294 |
| Loan and lease loss provision to assets | 0.0767% | 2,456 |
| Net operating income to assets | 0.5983% | 4,165 |
| Return on assets (ROA) | 0.6052% | 4,202 |
| Pretax return on assets | 0.6052% | 4,401 |
| Return on Equity (ROE) | 5.6303% | 4,028 |
| Retained earnings to average equity (ytd only) | 2.9060% | 3,571 |
| Net charge-offs to loans | 0.0946% | 1,783 |
| Credit loss provision to net charge-offs | 103.7736% | 2,383 |
| Earnings coverage of net charge-offs (x) | 9.1321% | 2,698 |
| Efficiency ratio | 87.0675% | 484 |
| Assets per employee ($millions) | 3.7272% | 4,235 |
| Cash dividends to net income (ytd only)* | 48.3871% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,121 |
| Loan loss allowance to noncurrent loans | 296.2451% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 2,046 |
| Noncurrent loans to loans | 0.4252% | 2,924 |
| Net loans and leases to total assets | 76.8969% | 1,274 |
| Net loans and leases to deposits | 86.3244% | 2,048 |
| Net loans and leases to core deposits | 95.6027% | 1,933 |
| Total domestic deposits to total assets | 89.0790% | 636 |
| Equity capital to assets | 10.3393% | 3,595 |
| Core capital (leverage) ratio | 9.6986% | 3,844 |
| Tier 1 risk-based capital ratio | 11.6468% | 4,551 |
| Total risk-based capital ratio | 12.8634% | 4,454 |
| Memoranda: | ||
| Average total assets | $143,413,200 | 3,388 |
| Average earning assets | $134,457,200 | 3,360 |
| Average equity | $15,416,600 | 3,594 |
| Average total loans | $112,049,800 | 3,054 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7029% | 411 |
| Cost of funding earning assets | 0.6620% | 3,389 |
| Net interest margin | 5.0409% | 268 |
| Noninterest income to average assets | 0.4433% | 3,061 |
| Noninterest expense to average assets | 4.5605% | 286 |
| Loan and lease loss provision to assets | 0.1040% | 1,851 |
| Net operating income to assets | 0.5076% | 4,500 |
| Return on assets (ROA) | 0.5170% | 4,527 |
| Pretax return on assets | 0.5170% | 4,678 |
| Return on Equity (ROE) | 4.7603% | 4,397 |
| Retained earnings to average equity (ytd only) | 1.6013% | 4,400 |
| Net charge-offs to loans | 0.0737% | 1,766 |
| Credit loss provision to net charge-offs | 180.3279% | 1,423 |
| Earnings coverage of net charge-offs (x) | 10.6068% | 2,487 |
| Efficiency ratio | 88.1762% | 388 |
| Assets per employee ($millions) | 3.8533% | 4,097 |
| Cash dividends to net income (ytd only)* | 66.3618% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 1,950 |
| Loan loss allowance to noncurrent loans | 206.5508% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 1,707 |
| Noncurrent loans to loans | 0.6310% | 2,391 |
| Net loans and leases to total assets | 79.9074% | 859 |
| Net loans and leases to deposits | 90.6721% | 1,612 |
| Net loans and leases to core deposits | 100.6321% | 1,612 |
| Total domestic deposits to total assets | 88.1279% | 983 |
| Equity capital to assets | 10.6032% | 3,469 |
| Core capital (leverage) ratio | 10.0171% | 3,625 |
| Tier 1 risk-based capital ratio | 11.4812% | 4,676 |
| Total risk-based capital ratio | 12.7315% | 4,578 |
| Memoranda: | ||
| Average total assets | $141,062,750 | 3,452 |
| Average earning assets | $132,327,000 | 3,420 |
| Average equity | $15,320,750 | 3,645 |
| Average total loans | $110,310,000 | 3,117 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2171% | 949 |
| Cost of funding earning assets | 0.6399% | 3,464 |
| Net interest margin | 4.5772% | 648 |
| Noninterest income to average assets | 0.7123% | 1,667 |
| Noninterest expense to average assets | 4.5952% | 278 |
| Loan and lease loss provision to assets | 0.0287% | 3,244 |
| Net operating income to assets | 0.3719% | 4,774 |
| Return on assets (ROA) | 0.3863% | 4,775 |
| Pretax return on assets | 0.3863% | 4,846 |
| Return on Equity (ROE) | 3.5273% | 4,681 |
| Retained earnings to average equity (ytd only) | 0.2098% | 4,635 |
| Net charge-offs to loans | 0.1097% | 1,312 |
| Credit loss provision to net charge-offs | 33.8983% | 2,581 |
| Earnings coverage of net charge-offs (x) | 4.7288% | 2,716 |
| Efficiency ratio | 91.9805% | 281 |
| Assets per employee ($millions) | 3.2804% | 4,713 |
| Cash dividends to net income (ytd only)* | 94.0520% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,017 |
| Loan loss allowance to noncurrent loans | 182.8105% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 1,605 |
| Noncurrent loans to loans | 0.7111% | 2,205 |
| Net loans and leases to total assets | 78.4273% | 1,143 |
| Net loans and leases to deposits | 89.7161% | 1,773 |
| Net loans and leases to core deposits | 98.6394% | 1,830 |
| Total domestic deposits to total assets | 87.4172% | 1,379 |
| Equity capital to assets | 10.8835% | 3,192 |
| Core capital (leverage) ratio | 9.9198% | 3,676 |
| Tier 1 risk-based capital ratio | 12.0092% | 4,410 |
| Total risk-based capital ratio | 13.2596% | 4,298 |
| Memoranda: | ||
| Average total assets | $139,274,670 | 3,503 |
| Average earning assets | $130,340,670 | 3,472 |
| Average equity | $15,252,330 | 3,658 |
| Average total loans | $107,563,000 | 3,171 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1357% | 1,030 |
| Cost of funding earning assets | 0.5799% | 3,676 |
| Net interest margin | 4.5558% | 669 |
| Noninterest income to average assets | 0.5463% | 2,307 |
| Noninterest expense to average assets | 4.4456% | 308 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3362% | 4,856 |
| Return on assets (ROA) | 0.3642% | 4,814 |
| Pretax return on assets | 0.3758% | 4,870 |
| Return on Equity (ROE) | 3.3152% | 4,717 |
| Retained earnings to average equity (ytd only) | 3.2100% | 3,647 |
| Net charge-offs to loans | 0.1330% | 944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.4286% | 2,402 |
| Efficiency ratio | 92.7624% | 310 |
| Assets per employee ($millions) | 3.4044% | 4,651 |
| Cash dividends to net income (ytd only)* | 3.1746% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 1,763 |
| Loan loss allowance to noncurrent loans | 170.9602% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9235% | 1,517 |
| Noncurrent loans to loans | 0.8049% | 2,027 |
| Net loans and leases to total assets | 74.9687% | 1,644 |
| Net loans and leases to deposits | 84.5469% | 2,321 |
| Net loans and leases to core deposits | 93.7493% | 2,150 |
| Total domestic deposits to total assets | 88.6711% | 1,010 |
| Equity capital to assets | 10.9836% | 2,872 |
| Core capital (leverage) ratio | 10.4545% | 3,100 |
| Tier 1 risk-based capital ratio | 12.5383% | 4,144 |
| Total risk-based capital ratio | 13.7893% | 4,021 |
| Memoranda: | ||
| Average total assets | $138,383,000 | 3,553 |
| Average earning assets | $128,979,000 | 3,534 |
| Average equity | $15,202,500 | 3,682 |
| Average total loans | $105,302,000 | 3,233 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 1,449 |
| Cost of funding earning assets | 0.3977% | 3,997 |
| Net interest margin | 4.4414% | 860 |
| Noninterest income to average assets | 0.5766% | 2,412 |
| Noninterest expense to average assets | 4.0243% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7450% | 3,987 |
| Return on assets (ROA) | 0.7457% | 3,987 |
| Pretax return on assets | 0.7457% | 4,300 |
| Return on Equity (ROE) | 6.7168% | 3,924 |
| Retained earnings to average equity (ytd only) | 2.1405% | 4,298 |
| Net charge-offs to loans | 0.1270% | 1,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 7.9365% | 2,938 |
| Efficiency ratio | 84.3799% | 629 |
| Assets per employee ($millions) | 3.5176% | 4,531 |
| Cash dividends to net income (ytd only)* | 68.1319% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 1,520 |
| Loan loss allowance to noncurrent loans | 141.1709% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.9323% | 1,476 |
| Noncurrent loans to loans | 1.0134% | 1,607 |
| Net loans and leases to total assets | 75.0862% | 1,758 |
| Net loans and leases to deposits | 84.7878% | 2,431 |
| Net loans and leases to core deposits | 91.6775% | 2,439 |
| Total domestic deposits to total assets | 88.5578% | 1,045 |
| Equity capital to assets | 10.9881% | 2,700 |
| Core capital (leverage) ratio | 10.5336% | 2,988 |
| Tier 1 risk-based capital ratio | 12.6118% | 4,066 |
| Total risk-based capital ratio | 13.8630% | 3,949 |
| Memoranda: | ||
| Average total assets | $134,233,800 | 3,591 |
| Average earning assets | $126,717,800 | 3,551 |
| Average equity | $14,903,000 | 3,653 |
| Average total loans | $99,213,200 | 3,308 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 1,434 |
| Cost of funding earning assets | 0.3604% | 4,114 |
| Net interest margin | 4.4382% | 828 |
| Noninterest income to average assets | 0.5273% | 2,698 |
| Noninterest expense to average assets | 4.0150% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7061% | 4,202 |
| Return on assets (ROA) | 0.7101% | 4,201 |
| Pretax return on assets | 0.7101% | 4,508 |
| Return on Equity (ROE) | 6.3793% | 4,148 |
| Retained earnings to average equity (ytd only) | 1.9290% | 4,601 |
| Net charge-offs to loans | 0.0327% | 2,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 29.4575% | 1,629 |
| Efficiency ratio | 85.0434% | 576 |
| Assets per employee ($millions) | 3.5665% | 4,472 |
| Cash dividends to net income (ytd only)* | 69.7610% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 1,118 |
| Loan loss allowance to noncurrent loans | 122.4693% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9882% | 1,472 |
| Noncurrent loans to loans | 1.2928% | 1,297 |
| Net loans and leases to total assets | 75.2283% | 1,777 |
| Net loans and leases to deposits | 88.5401% | 2,082 |
| Net loans and leases to core deposits | 94.7804% | 2,228 |
| Total domestic deposits to total assets | 84.9653% | 2,621 |
| Equity capital to assets | 11.2920% | 2,399 |
| Core capital (leverage) ratio | 10.5589% | 3,020 |
| Tier 1 risk-based capital ratio | 12.8713% | 3,981 |
| Total risk-based capital ratio | 14.1243% | 3,882 |
| Memoranda: | ||
| Average total assets | $133,496,000 | 3,629 |
| Average earning assets | $126,145,000 | 3,593 |
| Average equity | $14,860,250 | 3,683 |
| Average total loans | $97,891,000 | 3,367 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6679% | 1,585 |
| Cost of funding earning assets | 0.3109% | 4,345 |
| Net interest margin | 4.3570% | 930 |
| Noninterest income to average assets | 0.5104% | 2,799 |
| Noninterest expense to average assets | 3.9819% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6492% | 4,347 |
| Return on assets (ROA) | 0.6567% | 4,335 |
| Pretax return on assets | 0.6567% | 4,621 |
| Return on Equity (ROE) | 5.9273% | 4,264 |
| Retained earnings to average equity (ytd only) | 1.7243% | 4,557 |
| Net charge-offs to loans | 0.0351% | 2,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 25.5882% | 1,637 |
| Efficiency ratio | 85.9813% | 570 |
| Assets per employee ($millions) | 3.9481% | 3,985 |
| Cash dividends to net income (ytd only)* | 70.9091% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 1,110 |
| Loan loss allowance to noncurrent loans | 100.5016% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1882% | 1,208 |
| Noncurrent loans to loans | 1.5929% | 1,021 |
| Net loans and leases to total assets | 73.4000% | 2,059 |
| Net loans and leases to deposits | 86.5437% | 2,264 |
| Net loans and leases to core deposits | 90.8471% | 2,502 |
| Total domestic deposits to total assets | 84.8127% | 2,746 |
| Equity capital to assets | 11.0677% | 2,572 |
| Core capital (leverage) ratio | 10.5896% | 2,935 |
| Tier 1 risk-based capital ratio | 13.3234% | 3,721 |
| Total risk-based capital ratio | 14.5770% | 3,639 |
| Memoranda: | ||
| Average total assets | $134,007,670 | 3,642 |
| Average earning assets | $126,738,330 | 3,608 |
| Average equity | $14,846,670 | 3,699 |
| Average total loans | $96,898,330 | 3,393 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 1,530 |
| Cost of funding earning assets | 0.2878% | 4,435 |
| Net interest margin | 4.3258% | 913 |
| Noninterest income to average assets | 0.4660% | 3,021 |
| Noninterest expense to average assets | 3.9912% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5616% | 4,536 |
| Return on assets (ROA) | 0.5766% | 4,500 |
| Pretax return on assets | 0.5766% | 4,741 |
| Return on Equity (ROE) | 5.2016% | 4,419 |
| Retained earnings to average equity (ytd only) | 1.1320% | 4,595 |
| Net charge-offs to loans | -0.0042% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6640% | 553 |
| Assets per employee ($millions) | 3.7406% | 4,359 |
| Cash dividends to net income (ytd only)* | 78.2383% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6862% | 977 |
| Loan loss allowance to noncurrent loans | 117.3661% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 1.0556% | 1,482 |
| Noncurrent loans to loans | 1.4367% | 1,236 |
| Net loans and leases to total assets | 72.2361% | 2,131 |
| Net loans and leases to deposits | 82.8440% | 2,514 |
| Net loans and leases to core deposits | 85.1579% | 2,873 |
| Total domestic deposits to total assets | 87.1954% | 2,047 |
| Equity capital to assets | 11.2960% | 2,306 |
| Core capital (leverage) ratio | 10.5028% | 2,936 |
| Tier 1 risk-based capital ratio | 13.9087% | 3,426 |
| Total risk-based capital ratio | 15.1645% | 3,339 |
| Memoranda: | ||
| Average total assets | $133,893,000 | 3,679 |
| Average earning assets | $126,496,000 | 3,637 |
| Average equity | $14,841,500 | 3,726 |
| Average total loans | $95,281,000 | 3,439 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 1,474 |
| Cost of funding earning assets | 0.3336% | 3,842 |
| Net interest margin | 4.2510% | 1,077 |
| Noninterest income to average assets | 0.5444% | 2,751 |
| Noninterest expense to average assets | 3.9229% | 601 |
| Loan and lease loss provision to assets | 0.0733% | 2,744 |
| Net operating income to assets | 0.5444% | 4,245 |
| Return on assets (ROA) | 0.5451% | 4,269 |
| Pretax return on assets | 0.5451% | 4,851 |
| Return on Equity (ROE) | 5.0073% | 4,151 |
| Retained earnings to average equity (ytd only) | 1.3124% | 4,496 |
| Net charge-offs to loans | 0.4279% | 571 |
| Credit loss provision to net charge-offs | 23.4742% | 3,589 |
| Earnings coverage of net charge-offs (x) | 1.9789% | 3,821 |
| Efficiency ratio | 86.3966% | 620 |
| Assets per employee ($millions) | 3.9104% | 4,109 |
| Cash dividends to net income (ytd only)* | 73.7903% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7178% | 910 |
| Loan loss allowance to noncurrent loans | 108.3556% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 1,394 |
| Noncurrent loans to loans | 1.5853% | 1,060 |
| Net loans and leases to total assets | 67.7651% | 2,857 |
| Net loans and leases to deposits | 77.9666% | 3,114 |
| Net loans and leases to core deposits | 79.8777% | 3,429 |
| Total domestic deposits to total assets | 86.9155% | 2,038 |
| Equity capital to assets | 10.8823% | 2,750 |
| Core capital (leverage) ratio | 10.1505% | 3,244 |
| Tier 1 risk-based capital ratio | 13.8119% | 3,467 |
| Total risk-based capital ratio | 15.0669% | 3,375 |
| Memoranda: | ||
| Average total assets | $136,482,000 | 3,661 |
| Average earning assets | $128,298,400 | 3,606 |
| Average equity | $14,858,400 | 3,737 |
| Average total loans | $99,567,200 | 3,358 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 1,401 |
| Cost of funding earning assets | 0.3351% | 3,814 |
| Net interest margin | 4.2526% | 1,042 |
| Noninterest income to average assets | 0.5641% | 2,651 |
| Noninterest expense to average assets | 3.9592% | 546 |
| Loan and lease loss provision to assets | 0.0782% | 2,520 |
| Net operating income to assets | 0.5211% | 4,677 |
| Return on assets (ROA) | 0.5123% | 4,729 |
| Pretax return on assets | 0.5123% | 5,006 |
| Return on Equity (ROE) | 4.7049% | 4,634 |
| Retained earnings to average equity (ytd only) | 1.0326% | 4,966 |
| Net charge-offs to loans | 0.2287% | 946 |
| Credit loss provision to net charge-offs | 46.2428% | 2,952 |
| Earnings coverage of net charge-offs (x) | 3.5434% | 3,331 |
| Efficiency ratio | 86.8540% | 575 |
| Assets per employee ($millions) | 3.7577% | 4,359 |
| Cash dividends to net income (ytd only)* | 78.0534% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9027% | 700 |
| Loan loss allowance to noncurrent loans | 102.8286% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.3328% | 1,201 |
| Noncurrent loans to loans | 1.8504% | 947 |
| Net loans and leases to total assets | 70.6582% | 2,464 |
| Net loans and leases to deposits | 81.4995% | 2,829 |
| Net loans and leases to core deposits | 86.2782% | 2,939 |
| Total domestic deposits to total assets | 86.6978% | 1,994 |
| Equity capital to assets | 11.0772% | 2,784 |
| Core capital (leverage) ratio | 9.9467% | 3,633 |
| Tier 1 risk-based capital ratio | 13.3633% | 3,786 |
| Total risk-based capital ratio | 14.6204% | 3,697 |
| Memoranda: | ||
| Average total assets | $136,386,500 | 3,698 |
| Average earning assets | $128,107,750 | 3,644 |
| Average equity | $14,849,500 | 3,772 |
| Average total loans | $100,867,250 | 3,369 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 1,479 |
| Cost of funding earning assets | 0.3317% | 3,773 |
| Net interest margin | 4.1843% | 1,111 |
| Noninterest income to average assets | 0.5075% | 2,970 |
| Noninterest expense to average assets | 4.0042% | 525 |
| Loan and lease loss provision to assets | 0.0292% | 3,413 |
| Net operating income to assets | 0.4036% | 4,974 |
| Return on assets (ROA) | 0.4110% | 4,982 |
| Pretax return on assets | 0.4110% | 5,162 |
| Return on Equity (ROE) | 3.7962% | 4,879 |
| Retained earnings to average equity (ytd only) | 1.2834% | 4,736 |
| Net charge-offs to loans | 0.2980% | 681 |
| Credit loss provision to net charge-offs | 13.1579% | 2,827 |
| Earnings coverage of net charge-offs (x) | 1.9474% | 3,227 |
| Efficiency ratio | 90.2439% | 445 |
| Assets per employee ($millions) | 3.7669% | 4,328 |
| Cash dividends to net income (ytd only)* | 66.1922% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 832 |
| Loan loss allowance to noncurrent loans | 86.5110% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5471% | 969 |
| Noncurrent loans to loans | 2.1160% | 783 |
| Net loans and leases to total assets | 71.7760% | 2,240 |
| Net loans and leases to deposits | 82.6833% | 2,630 |
| Net loans and leases to core deposits | 87.5085% | 2,747 |
| Total domestic deposits to total assets | 86.8083% | 2,038 |
| Equity capital to assets | 11.0237% | 2,781 |
| Core capital (leverage) ratio | 10.1463% | 3,342 |
| Tier 1 risk-based capital ratio | 13.0428% | 3,970 |
| Total risk-based capital ratio | 14.2987% | 3,884 |
| Memoranda: | ||
| Average total assets | $136,756,000 | 3,712 |
| Average earning assets | $128,432,330 | 3,664 |
| Average equity | $14,804,330 | 3,784 |
| Average total loans | $102,010,000 | 3,360 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 1,480 |
| Cost of funding earning assets | 0.3292% | 3,752 |
| Net interest margin | 4.1273% | 1,151 |
| Noninterest income to average assets | 0.4981% | 2,990 |
| Noninterest expense to average assets | 3.9525% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4165% | 4,905 |
| Return on assets (ROA) | 0.4165% | 4,927 |
| Pretax return on assets | 0.4165% | 5,132 |
| Return on Equity (ROE) | 3.8827% | 4,826 |
| Retained earnings to average equity (ytd only) | 0.6516% | 4,759 |
| Net charge-offs to loans | 0.5839% | 304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.9470% | 2,775 |
| Efficiency ratio | 90.4667% | 535 |
| Assets per employee ($millions) | 3.6379% | 4,591 |
| Cash dividends to net income (ytd only)* | 83.2168% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7548% | 1,046 |
| Loan loss allowance to noncurrent loans | 63.9601% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.0862% | 624 |
| Noncurrent loans to loans | 2.7436% | 535 |
| Net loans and leases to total assets | 74.7039% | 1,629 |
| Net loans and leases to deposits | 85.9773% | 2,034 |
| Net loans and leases to core deposits | 91.0287% | 2,263 |
| Total domestic deposits to total assets | 86.8880% | 2,272 |
| Equity capital to assets | 10.9746% | 2,652 |
| Core capital (leverage) ratio | 10.1254% | 3,346 |
| Tier 1 risk-based capital ratio | 12.4153% | 4,437 |
| Total risk-based capital ratio | 13.6708% | 4,333 |
| Memoranda: | ||
| Average total assets | $137,330,000 | 3,733 |
| Average earning assets | $128,800,000 | 3,690 |
| Average equity | $14,732,000 | 3,811 |
| Average total loans | $103,440,500 | 3,354 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 1,302 |
| Cost of funding earning assets | 0.3552% | 3,462 |
| Net interest margin | 4.2353% | 1,045 |
| Noninterest income to average assets | 0.5392% | 2,981 |
| Noninterest expense to average assets | 3.7040% | 876 |
| Loan and lease loss provision to assets | 0.1982% | 1,176 |
| Net operating income to assets | 0.6423% | 4,034 |
| Return on assets (ROA) | 0.6423% | 4,143 |
| Pretax return on assets | 0.6423% | 4,670 |
| Return on Equity (ROE) | 5.8962% | 4,031 |
| Retained earnings to average equity (ytd only) | -1.9522% | 5,529 |
| Net charge-offs to loans | 0.1025% | 2,248 |
| Credit loss provision to net charge-offs | 254.6296% | 1,133 |
| Earnings coverage of net charge-offs (x) | 10.7963% | 2,601 |
| Efficiency ratio | 81.5038% | 1,259 |
| Assets per employee ($millions) | 3.8905% | 4,157 |
| Cash dividends to net income (ytd only)* | 133.1089% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8626% | 858 |
| Loan loss allowance to noncurrent loans | 236.5735% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 2,970 |
| Noncurrent loans to loans | 0.7873% | 2,546 |
| Net loans and leases to total assets | 73.2447% | 1,969 |
| Net loans and leases to deposits | 83.8476% | 2,439 |
| Net loans and leases to core deposits | 88.7444% | 2,604 |
| Total domestic deposits to total assets | 87.3545% | 1,954 |
| Equity capital to assets | 10.4899% | 3,167 |
| Core capital (leverage) ratio | 9.8160% | 3,719 |
| Tier 1 risk-based capital ratio | 12.2469% | 4,541 |
| Total risk-based capital ratio | 13.5032% | 4,416 |
| Memoranda: | ||
| Average total assets | $138,713,800 | 3,693 |
| Average earning assets | $131,184,600 | 3,632 |
| Average equity | $15,111,400 | 3,795 |
| Average total loans | $105,395,600 | 3,284 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5715% | 1,354 |
| Cost of funding earning assets | 0.3647% | 3,386 |
| Net interest margin | 4.2068% | 1,107 |
| Noninterest income to average assets | 0.5627% | 2,861 |
| Noninterest expense to average assets | 3.6922% | 859 |
| Loan and lease loss provision to assets | 0.2650% | 684 |
| Net operating income to assets | 0.5955% | 4,311 |
| Return on assets (ROA) | 0.5955% | 4,421 |
| Pretax return on assets | 0.5955% | 4,886 |
| Return on Equity (ROE) | 5.4151% | 4,347 |
| Retained earnings to average equity (ytd only) | -0.6134% | 5,449 |
| Net charge-offs to loans | 0.1174% | 1,775 |
| Credit loss provision to net charge-offs | 295.6989% | 1,050 |
| Earnings coverage of net charge-offs (x) | 9.6019% | 2,670 |
| Efficiency ratio | 81.1005% | 1,287 |
| Assets per employee ($millions) | 3.7779% | 4,346 |
| Cash dividends to net income (ytd only)* | 111.3267% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 945 |
| Loan loss allowance to noncurrent loans | 238.3961% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 3,091 |
| Noncurrent loans to loans | 0.7699% | 2,743 |
| Net loans and leases to total assets | 77.1547% | 1,332 |
| Net loans and leases to deposits | 90.7114% | 1,670 |
| Net loans and leases to core deposits | 96.3325% | 1,959 |
| Total domestic deposits to total assets | 85.0551% | 2,780 |
| Equity capital to assets | 11.1422% | 2,873 |
| Core capital (leverage) ratio | 10.0352% | 3,529 |
| Tier 1 risk-based capital ratio | 12.5607% | 4,434 |
| Total risk-based capital ratio | 13.8177% | 4,340 |
| Memoranda: | ||
| Average total assets | $138,377,750 | 3,721 |
| Average earning assets | $131,243,500 | 3,652 |
| Average equity | $15,216,250 | 3,813 |
| Average total loans | $105,611,500 | 3,291 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 1,463 |
| Cost of funding earning assets | 0.3696% | 3,359 |
| Net interest margin | 4.1503% | 1,228 |
| Noninterest income to average assets | 0.5605% | 2,849 |
| Noninterest expense to average assets | 3.6790% | 906 |
| Loan and lease loss provision to assets | 0.0575% | 2,990 |
| Net operating income to assets | 0.7574% | 3,516 |
| Return on assets (ROA) | 0.7574% | 3,664 |
| Pretax return on assets | 0.7617% | 4,415 |
| Return on Equity (ROE) | 6.9174% | 3,595 |
| Retained earnings to average equity (ytd only) | 0.2888% | 5,213 |
| Net charge-offs to loans | -0.1464% | 5,734 |
| Credit loss provision to net charge-offs | -51.9481% | 4,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7891% | 1,293 |
| Assets per employee ($millions) | 3.7158% | 4,411 |
| Cash dividends to net income (ytd only)* | 95.8254% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 1,078 |
| Loan loss allowance to noncurrent loans | 252.5965% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 3,385 |
| Noncurrent loans to loans | 0.7126% | 2,942 |
| Net loans and leases to total assets | 75.2784% | 1,596 |
| Net loans and leases to deposits | 86.7730% | 2,161 |
| Net loans and leases to core deposits | 92.4731% | 2,313 |
| Total domestic deposits to total assets | 86.7533% | 2,036 |
| Equity capital to assets | 11.1039% | 2,939 |
| Core capital (leverage) ratio | 10.0269% | 3,532 |
| Tier 1 risk-based capital ratio | 12.7243% | 4,369 |
| Total risk-based capital ratio | 13.9807% | 4,267 |
| Memoranda: | ||
| Average total assets | $139,168,330 | 3,731 |
| Average earning assets | $132,038,330 | 3,660 |
| Average equity | $15,237,000 | 3,831 |
| Average total loans | $105,183,000 | 3,317 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 1,707 |
| Cost of funding earning assets | 0.3673% | 3,427 |
| Net interest margin | 4.0640% | 1,437 |
| Noninterest income to average assets | 0.4485% | 3,494 |
| Noninterest expense to average assets | 3.6283% | 982 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6685% | 3,880 |
| Return on assets (ROA) | 0.6685% | 4,000 |
| Pretax return on assets | 0.6771% | 4,598 |
| Return on Equity (ROE) | 6.1488% | 3,905 |
| Retained earnings to average equity (ytd only) | 0.9722% | 4,851 |
| Net charge-offs to loans | -0.0114% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2734% | 1,130 |
| Assets per employee ($millions) | 3.6975% | 4,476 |
| Cash dividends to net income (ytd only)* | 84.1880% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 1,328 |
| Loan loss allowance to noncurrent loans | 208.0513% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6666% | 3,060 |
| Noncurrent loans to loans | 0.8233% | 2,780 |
| Net loans and leases to total assets | 74.7842% | 1,603 |
| Net loans and leases to deposits | 86.2880% | 2,035 |
| Net loans and leases to core deposits | 93.6810% | 2,023 |
| Total domestic deposits to total assets | 86.6681% | 2,374 |
| Equity capital to assets | 11.1383% | 2,786 |
| Core capital (leverage) ratio | 9.9186% | 3,638 |
| Tier 1 risk-based capital ratio | 12.8989% | 4,325 |
| Total risk-based capital ratio | 14.1543% | 4,235 |
| Memoranda: | ||
| Average total assets | $140,011,000 | 3,744 |
| Average earning assets | $132,875,500 | 3,667 |
| Average equity | $15,222,500 | 3,847 |
| Average total loans | $105,078,500 | 3,333 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 1,434 |
| Cost of funding earning assets | 0.3393% | 3,799 |
| Net interest margin | 4.2217% | 1,123 |
| Noninterest income to average assets | 0.5577% | 2,973 |
| Noninterest expense to average assets | 3.5847% | 1,159 |
| Loan and lease loss provision to assets | 0.0326% | 3,713 |
| Net operating income to assets | 0.9616% | 2,568 |
| Return on assets (ROA) | 0.9711% | 2,590 |
| Pretax return on assets | 0.9740% | 3,569 |
| Return on Equity (ROE) | 8.8720% | 2,516 |
| Retained earnings to average equity (ytd only) | 2.3721% | 4,367 |
| Net charge-offs to loans | -0.0343% | 5,441 |
| Credit loss provision to net charge-offs | -121.6216% | 5,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2368% | 1,934 |
| Assets per employee ($millions) | 3.8707% | 4,172 |
| Cash dividends to net income (ytd only)* | 73.2636% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 1,400 |
| Loan loss allowance to noncurrent loans | 170.4981% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 2,872 |
| Noncurrent loans to loans | 0.9843% | 2,370 |
| Net loans and leases to total assets | 72.8164% | 1,918 |
| Net loans and leases to deposits | 83.4886% | 2,422 |
| Net loans and leases to core deposits | 90.2837% | 2,382 |
| Total domestic deposits to total assets | 87.2171% | 2,025 |
| Equity capital to assets | 10.6183% | 3,222 |
| Core capital (leverage) ratio | 9.8384% | 3,724 |
| Tier 1 risk-based capital ratio | 12.4522% | 4,665 |
| Total risk-based capital ratio | 13.7056% | 4,550 |
| Memoranda: | ||
| Average total assets | $137,890,800 | 3,753 |
| Average earning assets | $131,440,600 | 3,671 |
| Average equity | $15,092,400 | 3,827 |
| Average total loans | $107,829,200 | 3,243 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 1,302 |
| Cost of funding earning assets | 0.3323% | 3,953 |
| Net interest margin | 4.2796% | 1,002 |
| Noninterest income to average assets | 0.5458% | 3,072 |
| Noninterest expense to average assets | 3.5900% | 1,136 |
| Loan and lease loss provision to assets | 0.0439% | 3,339 |
| Net operating income to assets | 0.9939% | 2,500 |
| Return on assets (ROA) | 1.0066% | 2,529 |
| Pretax return on assets | 1.0105% | 3,573 |
| Return on Equity (ROE) | 9.1254% | 2,507 |
| Retained earnings to average equity (ytd only) | 1.8145% | 4,970 |
| Net charge-offs to loans | -0.0382% | 5,446 |
| Credit loss provision to net charge-offs | -145.1613% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5084% | 2,020 |
| Assets per employee ($millions) | 3.8541% | 4,169 |
| Cash dividends to net income (ytd only)* | 80.1168% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 1,672 |
| Loan loss allowance to noncurrent loans | 159.5324% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 2,882 |
| Noncurrent loans to loans | 1.0224% | 2,434 |
| Net loans and leases to total assets | 77.1121% | 1,234 |
| Net loans and leases to deposits | 88.8164% | 1,793 |
| Net loans and leases to core deposits | 96.9868% | 1,798 |
| Total domestic deposits to total assets | 86.8220% | 2,129 |
| Equity capital to assets | 10.9106% | 3,117 |
| Core capital (leverage) ratio | 9.8634% | 3,816 |
| Tier 1 risk-based capital ratio | 12.1636% | 4,986 |
| Total risk-based capital ratio | 13.4180% | 4,885 |
| Memoranda: | ||
| Average total assets | $136,559,750 | 3,814 |
| Average earning assets | $130,384,000 | 3,719 |
| Average equity | $15,063,750 | 3,865 |
| Average total loans | $108,270,500 | 3,258 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6228% | 1,226 |
| Cost of funding earning assets | 0.3172% | 4,197 |
| Net interest margin | 4.3055% | 910 |
| Noninterest income to average assets | 0.5345% | 3,141 |
| Noninterest expense to average assets | 3.5898% | 1,150 |
| Loan and lease loss provision to assets | 0.0663% | 2,791 |
| Net operating income to assets | 0.9897% | 2,438 |
| Return on assets (ROA) | 1.0086% | 2,454 |
| Pretax return on assets | 1.0145% | 3,527 |
| Return on Equity (ROE) | 9.1096% | 2,480 |
| Retained earnings to average equity (ytd only) | 1.9815% | 4,712 |
| Net charge-offs to loans | -0.0204% | 5,182 |
| Credit loss provision to net charge-offs | -409.0909% | 5,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1763% | 2,175 |
| Assets per employee ($millions) | 3.7675% | 4,298 |
| Cash dividends to net income (ytd only)* | 78.2482% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 1,867 |
| Loan loss allowance to noncurrent loans | 121.4681% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 2,248 |
| Noncurrent loans to loans | 1.3267% | 2,027 |
| Net loans and leases to total assets | 78.9567% | 944 |
| Net loans and leases to deposits | 91.0977% | 1,472 |
| Net loans and leases to core deposits | 98.6768% | 1,594 |
| Total domestic deposits to total assets | 86.6726% | 2,332 |
| Equity capital to assets | 11.1163% | 2,757 |
| Core capital (leverage) ratio | 9.9557% | 3,671 |
| Tier 1 risk-based capital ratio | 12.2507% | 4,969 |
| Total risk-based capital ratio | 13.5047% | 4,870 |
| Memoranda: | ||
| Average total assets | $135,831,000 | 3,859 |
| Average earning assets | $129,879,000 | 3,760 |
| Average equity | $15,039,000 | 3,880 |
| Average total loans | $108,106,000 | 3,286 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5839% | 1,258 |
| Cost of funding earning assets | 0.3177% | 4,248 |
| Net interest margin | 4.2662% | 949 |
| Noninterest income to average assets | 0.4620% | 3,562 |
| Noninterest expense to average assets | 3.5753% | 1,169 |
| Loan and lease loss provision to assets | 0.0589% | 2,754 |
| Net operating income to assets | 0.8861% | 2,815 |
| Return on assets (ROA) | 0.9240% | 2,757 |
| Pretax return on assets | 0.9358% | 3,760 |
| Return on Equity (ROE) | 8.3622% | 2,774 |
| Retained earnings to average equity (ytd only) | 0.9055% | 5,105 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8961% | 2,061 |
| Assets per employee ($millions) | 3.7036% | 4,508 |
| Cash dividends to net income (ytd only)* | 89.1720% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 2,182 |
| Loan loss allowance to noncurrent loans | 141.0509% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.9231% | 2,790 |
| Noncurrent loans to loans | 1.1075% | 2,552 |
| Net loans and leases to total assets | 79.0038% | 789 |
| Net loans and leases to deposits | 93.1575% | 1,073 |
| Net loans and leases to core deposits | 99.9991% | 1,317 |
| Total domestic deposits to total assets | 84.8067% | 3,507 |
| Equity capital to assets | 10.9557% | 3,021 |
| Core capital (leverage) ratio | 9.9729% | 3,636 |
| Tier 1 risk-based capital ratio | 11.8108% | 5,366 |
| Total risk-based capital ratio | 13.0754% | 5,250 |
| Memoranda: | ||
| Average total assets | $135,931,500 | 3,880 |
| Average earning assets | $129,671,000 | 3,792 |
| Average equity | $15,020,000 | 3,909 |
| Average total loans | $107,737,500 | 3,306 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 1,513 |
| Cost of funding earning assets | 0.3711% | 4,027 |
| Net interest margin | 4.2450% | 1,179 |
| Noninterest income to average assets | 0.4709% | 3,703 |
| Noninterest expense to average assets | 3.6944% | 1,166 |
| Loan and lease loss provision to assets | 0.0226% | 4,161 |
| Net operating income to assets | 0.7826% | 3,458 |
| Return on assets (ROA) | 0.7932% | 3,502 |
| Pretax return on assets | 0.7962% | 4,273 |
| Return on Equity (ROE) | 7.1358% | 3,554 |
| Retained earnings to average equity (ytd only) | 3.1503% | 3,995 |
| Net charge-offs to loans | -0.0441% | 5,888 |
| Credit loss provision to net charge-offs | -69.7674% | 5,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0483% | 1,657 |
| Assets per employee ($millions) | 3.7453% | 4,455 |
| Cash dividends to net income (ytd only)* | 55.8516% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6096% | 2,055 |
| Loan loss allowance to noncurrent loans | 217.9718% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 3,751 |
| Noncurrent loans to loans | 0.7384% | 3,474 |
| Net loans and leases to total assets | 76.9842% | 1,131 |
| Net loans and leases to deposits | 92.7098% | 1,215 |
| Net loans and leases to core deposits | 96.0950% | 1,714 |
| Total domestic deposits to total assets | 83.0378% | 4,067 |
| Equity capital to assets | 11.1452% | 2,755 |
| Core capital (leverage) ratio | 10.1665% | 3,351 |
| Tier 1 risk-based capital ratio | 12.4719% | 5,047 |
| Total risk-based capital ratio | 13.7263% | 4,967 |
| Memoranda: | ||
| Average total assets | $132,499,400 | 3,933 |
| Average earning assets | $125,842,200 | 3,848 |
| Average equity | $14,728,600 | 3,891 |
| Average total loans | $97,554,400 | 3,474 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 1,564 |
| Cost of funding earning assets | 0.3848% | 3,960 |
| Net interest margin | 4.2135% | 1,246 |
| Noninterest income to average assets | 0.4821% | 3,668 |
| Noninterest expense to average assets | 3.7406% | 1,059 |
| Loan and lease loss provision to assets | 0.0202% | 4,001 |
| Net operating income to assets | 0.7127% | 3,875 |
| Return on assets (ROA) | 0.7318% | 3,882 |
| Pretax return on assets | 0.7358% | 4,569 |
| Return on Equity (ROE) | 6.5873% | 3,909 |
| Retained earnings to average equity (ytd only) | 2.1655% | 4,976 |
| Net charge-offs to loans | 0.0195% | 4,140 |
| Credit loss provision to net charge-offs | 142.8571% | 1,647 |
| Earnings coverage of net charge-offs (x) | 52.0611% | 952 |
| Efficiency ratio | 83.5440% | 1,444 |
| Assets per employee ($millions) | 3.4005% | 5,047 |
| Cash dividends to net income (ytd only)* | 67.1266% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6569% | 2,111 |
| Loan loss allowance to noncurrent loans | 192.3349% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 3,742 |
| Noncurrent loans to loans | 0.8615% | 3,416 |
| Net loans and leases to total assets | 74.9164% | 1,376 |
| Net loans and leases to deposits | 88.6649% | 1,595 |
| Net loans and leases to core deposits | 91.9843% | 2,040 |
| Total domestic deposits to total assets | 84.4939% | 3,550 |
| Equity capital to assets | 11.4626% | 2,518 |
| Core capital (leverage) ratio | 10.0968% | 3,534 |
| Tier 1 risk-based capital ratio | 13.4809% | 4,554 |
| Total risk-based capital ratio | 14.7357% | 4,489 |
| Memoranda: | ||
| Average total assets | $131,917,000 | 3,972 |
| Average earning assets | $125,086,500 | 3,893 |
| Average equity | $14,654,000 | 3,919 |
| Average total loans | $95,569,250 | 3,545 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 1,551 |
| Cost of funding earning assets | 0.3950% | 3,912 |
| Net interest margin | 4.1980% | 1,245 |
| Noninterest income to average assets | 0.5361% | 3,231 |
| Noninterest expense to average assets | 3.7526% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7529% | 3,550 |
| Return on assets (ROA) | 0.7815% | 3,520 |
| Pretax return on assets | 0.7815% | 4,346 |
| Return on Equity (ROE) | 7.1089% | 3,571 |
| Retained earnings to average equity (ytd only) | 1.8218% | 4,977 |
| Net charge-offs to loans | 0.0021% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 500.0000% | 141 |
| Efficiency ratio | 83.2888% | 1,592 |
| Assets per employee ($millions) | 3.4535% | 4,938 |
| Cash dividends to net income (ytd only)* | 74.3738% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6715% | 2,222 |
| Loan loss allowance to noncurrent loans | 161.9143% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 3,424 |
| Noncurrent loans to loans | 1.0323% | 3,172 |
| Net loans and leases to total assets | 72.7980% | 1,602 |
| Net loans and leases to deposits | 86.9773% | 1,711 |
| Net loans and leases to core deposits | 90.2108% | 2,108 |
| Total domestic deposits to total assets | 83.6977% | 4,033 |
| Equity capital to assets | 11.2045% | 2,689 |
| Core capital (leverage) ratio | 9.9928% | 3,619 |
| Tier 1 risk-based capital ratio | 13.4095% | 4,645 |
| Total risk-based capital ratio | 14.6461% | 4,601 |
| Memoranda: | ||
| Average total assets | $132,816,000 | 3,980 |
| Average earning assets | $125,584,000 | 3,898 |
| Average equity | $14,601,330 | 3,930 |
| Average total loans | $94,613,000 | 3,574 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 1,578 |
| Cost of funding earning assets | 0.3998% | 3,967 |
| Net interest margin | 4.1729% | 1,288 |
| Noninterest income to average assets | 0.4850% | 3,527 |
| Noninterest expense to average assets | 3.7663% | 1,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6499% | 3,953 |
| Return on assets (ROA) | 0.6736% | 3,905 |
| Pretax return on assets | 0.6796% | 4,555 |
| Return on Equity (ROE) | 6.1856% | 3,917 |
| Retained earnings to average equity (ytd only) | 0.3299% | 5,435 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1726% | 1,525 |
| Assets per employee ($millions) | 3.5501% | 4,826 |
| Cash dividends to net income (ytd only)* | 94.6667% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 2,320 |
| Loan loss allowance to noncurrent loans | 150.7421% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8565% | 3,588 |
| Noncurrent loans to loans | 1.1339% | 3,151 |
| Net loans and leases to total assets | 71.1383% | 1,707 |
| Net loans and leases to deposits | 84.5944% | 1,765 |
| Net loans and leases to core deposits | 87.0719% | 2,187 |
| Total domestic deposits to total assets | 84.0934% | 4,240 |
| Equity capital to assets | 11.0731% | 2,660 |
| Core capital (leverage) ratio | 9.8289% | 3,822 |
| Tier 1 risk-based capital ratio | 13.4863% | 4,689 |
| Total risk-based capital ratio | 14.7417% | 4,626 |
| Memoranda: | ||
| Average total assets | $133,607,500 | 4,000 |
| Average earning assets | $126,051,500 | 3,924 |
| Average equity | $14,550,000 | 3,939 |
| Average total loans | $93,340,000 | 3,627 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6265% | 1,778 |
| Cost of funding earning assets | 0.4828% | 3,789 |
| Net interest margin | 4.1438% | 1,531 |
| Noninterest income to average assets | 0.4710% | 3,956 |
| Noninterest expense to average assets | 3.6168% | 1,417 |
| Loan and lease loss provision to assets | 0.0448% | 4,228 |
| Net operating income to assets | 0.7158% | 3,716 |
| Return on assets (ROA) | 0.7158% | 3,803 |
| Pretax return on assets | 0.7172% | 4,474 |
| Return on Equity (ROE) | 6.5292% | 3,814 |
| Retained earnings to average equity (ytd only) | 3.2204% | 3,938 |
| Net charge-offs to loans | 0.0366% | 4,714 |
| Credit loss provision to net charge-offs | 193.5484% | 1,183 |
| Earnings coverage of net charge-offs (x) | 32.9355% | 1,092 |
| Efficiency ratio | 82.5976% | 1,799 |
| Assets per employee ($millions) | 3.5753% | 4,743 |
| Cash dividends to net income (ytd only)* | 50.6778% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 2,149 |
| Loan loss allowance to noncurrent loans | 149.3566% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 3,802 |
| Noncurrent loans to loans | 1.1876% | 3,168 |
| Net loans and leases to total assets | 66.2346% | 2,661 |
| Net loans and leases to deposits | 77.3250% | 2,814 |
| Net loans and leases to core deposits | 79.7920% | 3,156 |
| Total domestic deposits to total assets | 85.6574% | 3,424 |
| Equity capital to assets | 10.7132% | 2,922 |
| Core capital (leverage) ratio | 9.8982% | 3,707 |
| Tier 1 risk-based capital ratio | 13.7511% | 4,480 |
| Total risk-based capital ratio | 15.0067% | 4,427 |
| Memoranda: | ||
| Average total assets | $133,984,000 | 3,997 |
| Average earning assets | $126,358,800 | 3,921 |
| Average equity | $14,687,800 | 3,924 |
| Average total loans | $84,606,800 | 3,806 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 1,753 |
| Cost of funding earning assets | 0.5082% | 3,689 |
| Net interest margin | 4.1392% | 1,513 |
| Noninterest income to average assets | 0.4594% | 4,084 |
| Noninterest expense to average assets | 3.5970% | 1,405 |
| Loan and lease loss provision to assets | 0.0300% | 4,407 |
| Net operating income to assets | 0.7430% | 3,637 |
| Return on assets (ROA) | 0.7430% | 3,760 |
| Pretax return on assets | 0.7450% | 4,507 |
| Return on Equity (ROE) | 6.7385% | 3,801 |
| Retained earnings to average equity (ytd only) | 5.1807% | 2,947 |
| Net charge-offs to loans | 0.0257% | 4,610 |
| Credit loss provision to net charge-offs | 187.5000% | 1,285 |
| Earnings coverage of net charge-offs (x) | 48.5063% | 885 |
| Efficiency ratio | 82.2750% | 1,794 |
| Assets per employee ($millions) | 3.4170% | 5,024 |
| Cash dividends to net income (ytd only)* | 23.1184% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8549% | 2,124 |
| Loan loss allowance to noncurrent loans | 152.8965% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 3,700 |
| Noncurrent loans to loans | 1.2132% | 3,393 |
| Net loans and leases to total assets | 65.6046% | 2,705 |
| Net loans and leases to deposits | 77.6945% | 2,714 |
| Net loans and leases to core deposits | 80.3276% | 3,092 |
| Total domestic deposits to total assets | 84.4393% | 4,010 |
| Equity capital to assets | 11.2325% | 2,528 |
| Core capital (leverage) ratio | 10.0729% | 3,566 |
| Tier 1 risk-based capital ratio | 14.4999% | 4,073 |
| Total risk-based capital ratio | 15.7567% | 4,022 |
| Memoranda: | ||
| Average total assets | $133,514,750 | 4,047 |
| Average earning assets | $126,205,500 | 3,957 |
| Average equity | $14,721,000 | 3,968 |
| Average total loans | $82,855,500 | 3,886 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2624% | 3,111 |
| Cost of funding earning assets | 0.5316% | 3,582 |
| Net interest margin | 3.7308% | 2,843 |
| Noninterest income to average assets | 0.4631% | 4,072 |
| Noninterest expense to average assets | 3.6129% | 1,387 |
| Loan and lease loss provision to assets | 0.0445% | 4,076 |
| Net operating income to assets | 0.3340% | 5,472 |
| Return on assets (ROA) | 0.3340% | 5,634 |
| Pretax return on assets | 0.3370% | 5,783 |
| Return on Equity (ROE) | 3.0475% | 5,603 |
| Retained earnings to average equity (ytd only) | 1.5034% | 5,267 |
| Net charge-offs to loans | 0.0540% | 3,925 |
| Credit loss provision to net charge-offs | 136.3636% | 1,659 |
| Earnings coverage of net charge-offs (x) | 11.6818% | 2,034 |
| Efficiency ratio | 90.4496% | 1,029 |
| Assets per employee ($millions) | 3.4327% | 4,989 |
| Cash dividends to net income (ytd only)* | 50.6667% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9234% | 2,041 |
| Loan loss allowance to noncurrent loans | 83.4547% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.6413% | 2,644 |
| Noncurrent loans to loans | 2.3047% | 2,050 |
| Net loans and leases to total assets | 62.7012% | 3,157 |
| Net loans and leases to deposits | 73.6681% | 3,205 |
| Net loans and leases to core deposits | 76.3686% | 3,501 |
| Total domestic deposits to total assets | 85.1132% | 3,837 |
| Equity capital to assets | 11.1343% | 2,625 |
| Core capital (leverage) ratio | 9.3443% | 4,478 |
| Tier 1 risk-based capital ratio | 14.5828% | 4,043 |
| Total risk-based capital ratio | 15.8163% | 4,025 |
| Memoranda: | ||
| Average total assets | $134,737,670 | 4,050 |
| Average earning assets | $127,532,330 | 3,951 |
| Average equity | $14,766,330 | 3,992 |
| Average total loans | $81,542,330 | 3,939 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 3,637 |
| Cost of funding earning assets | 0.5490% | 3,578 |
| Net interest margin | 3.5733% | 3,371 |
| Noninterest income to average assets | 0.4705% | 3,990 |
| Noninterest expense to average assets | 3.6001% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2309% | 5,787 |
| Return on assets (ROA) | 0.2309% | 5,914 |
| Pretax return on assets | 0.2367% | 6,002 |
| Return on Equity (ROE) | 2.1226% | 5,897 |
| Retained earnings to average equity (ytd only) | -0.0806% | 5,789 |
| Net charge-offs to loans | 0.1687% | 2,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.3824% | 3,050 |
| Efficiency ratio | 93.8309% | 846 |
| Assets per employee ($millions) | 3.2599% | 5,522 |
| Cash dividends to net income (ytd only)* | 103.7975% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9858% | 2,086 |
| Loan loss allowance to noncurrent loans | 64.3593% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 2.0086% | 2,338 |
| Noncurrent loans to loans | 3.0855% | 1,620 |
| Net loans and leases to total assets | 56.3091% | 4,042 |
| Net loans and leases to deposits | 66.6537% | 3,962 |
| Net loans and leases to core deposits | 69.8514% | 4,101 |
| Total domestic deposits to total assets | 84.4800% | 4,275 |
| Equity capital to assets | 10.8521% | 3,142 |
| Core capital (leverage) ratio | 9.2264% | 4,521 |
| Tier 1 risk-based capital ratio | 15.0260% | 3,822 |
| Total risk-based capital ratio | 16.2835% | 3,771 |
| Memoranda: | ||
| Average total assets | $136,884,500 | 4,041 |
| Average earning assets | $128,958,000 | 3,963 |
| Average equity | $14,887,500 | 4,017 |
| Average total loans | $80,616,500 | 3,998 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7680% | 2,333 |
| Cost of funding earning assets | 0.7611% | 3,005 |
| Net interest margin | 4.0069% | 2,367 |
| Noninterest income to average assets | 0.5649% | 3,481 |
| Noninterest expense to average assets | 3.5764% | 1,667 |
| Loan and lease loss provision to assets | 0.0369% | 5,420 |
| Net operating income to assets | 0.5553% | 4,450 |
| Return on assets (ROA) | 0.5361% | 4,796 |
| Pretax return on assets | 0.5361% | 5,175 |
| Return on Equity (ROE) | 5.0043% | 4,675 |
| Retained earnings to average equity (ytd only) | 3.1157% | 4,044 |
| Net charge-offs to loans | 0.2166% | 3,659 |
| Credit loss provision to net charge-offs | 27.9330% | 5,156 |
| Earnings coverage of net charge-offs (x) | 4.4804% | 3,351 |
| Efficiency ratio | 85.7927% | 1,447 |
| Assets per employee ($millions) | 3.1827% | 5,663 |
| Cash dividends to net income (ytd only)* | 37.7410% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9328% | 2,190 |
| Loan loss allowance to noncurrent loans | 82.1410% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.6017% | 2,991 |
| Noncurrent loans to loans | 2.3530% | 2,285 |
| Net loans and leases to total assets | 59.1721% | 3,762 |
| Net loans and leases to deposits | 70.0228% | 3,709 |
| Net loans and leases to core deposits | 73.6490% | 3,827 |
| Total domestic deposits to total assets | 84.5040% | 4,082 |
| Equity capital to assets | 10.8999% | 3,065 |
| Core capital (leverage) ratio | 9.2372% | 4,517 |
| Tier 1 risk-based capital ratio | 14.2079% | 4,239 |
| Total risk-based capital ratio | 15.4652% | 4,187 |
| Memoranda: | ||
| Average total assets | $135,416,200 | 4,038 |
| Average earning assets | $121,791,400 | 4,071 |
| Average equity | $14,507,400 | 4,061 |
| Average total loans | $82,633,000 | 3,953 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 2,100 |
| Cost of funding earning assets | 0.8087% | 2,873 |
| Net interest margin | 4.0679% | 2,215 |
| Noninterest income to average assets | 0.5380% | 3,683 |
| Noninterest expense to average assets | 3.5826% | 1,584 |
| Loan and lease loss provision to assets | 0.0247% | 5,478 |
| Net operating income to assets | 0.5558% | 4,599 |
| Return on assets (ROA) | 0.5440% | 4,910 |
| Pretax return on assets | 0.5440% | 5,333 |
| Return on Equity (ROE) | 5.1000% | 4,777 |
| Retained earnings to average equity (ytd only) | 3.4894% | 4,415 |
| Net charge-offs to loans | 0.1952% | 3,557 |
| Credit loss provision to net charge-offs | 20.6612% | 4,943 |
| Earnings coverage of net charge-offs (x) | 4.8595% | 3,181 |
| Efficiency ratio | 86.0564% | 1,371 |
| Assets per employee ($millions) | 3.1229% | 5,799 |
| Cash dividends to net income (ytd only)* | 31.5783% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 2,182 |
| Loan loss allowance to noncurrent loans | 82.6065% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.5765% | 3,234 |
| Noncurrent loans to loans | 2.4147% | 2,385 |
| Net loans and leases to total assets | 59.6020% | 3,854 |
| Net loans and leases to deposits | 71.5674% | 3,667 |
| Net loans and leases to core deposits | 75.4025% | 3,802 |
| Total domestic deposits to total assets | 83.2810% | 4,526 |
| Equity capital to assets | 11.1220% | 3,128 |
| Core capital (leverage) ratio | 9.4567% | 4,339 |
| Tier 1 risk-based capital ratio | 14.4725% | 4,203 |
| Total risk-based capital ratio | 15.7039% | 4,186 |
| Memoranda: | ||
| Average total assets | $135,056,500 | 4,078 |
| Average earning assets | $120,353,750 | 4,148 |
| Average equity | $14,405,000 | 4,122 |
| Average total loans | $82,647,250 | 4,001 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 1,880 |
| Cost of funding earning assets | 0.8562% | 2,746 |
| Net interest margin | 4.1112% | 2,043 |
| Noninterest income to average assets | 0.5351% | 3,688 |
| Noninterest expense to average assets | 3.6049% | 1,571 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5498% | 4,586 |
| Return on assets (ROA) | 0.5321% | 4,949 |
| Pretax return on assets | 0.5321% | 5,364 |
| Return on Equity (ROE) | 5.0603% | 4,786 |
| Retained earnings to average equity (ytd only) | 2.7691% | 4,776 |
| Net charge-offs to loans | 0.0603% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 14.8800% | 1,682 |
| Efficiency ratio | 86.7663% | 1,365 |
| Assets per employee ($millions) | 2.9504% | 6,150 |
| Cash dividends to net income (ytd only)* | 45.2778% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0199% | 2,180 |
| Loan loss allowance to noncurrent loans | 69.4444% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.9974% | 2,783 |
| Noncurrent loans to loans | 2.9086% | 2,054 |
| Net loans and leases to total assets | 63.5228% | 3,142 |
| Net loans and leases to deposits | 76.7793% | 2,876 |
| Net loans and leases to core deposits | 80.6620% | 3,130 |
| Total domestic deposits to total assets | 82.7343% | 4,859 |
| Equity capital to assets | 11.0678% | 3,045 |
| Core capital (leverage) ratio | 9.1973% | 4,617 |
| Tier 1 risk-based capital ratio | 13.6848% | 4,683 |
| Total risk-based capital ratio | 14.9429% | 4,651 |
| Memoranda: | ||
| Average total assets | $135,314,000 | 4,085 |
| Average earning assets | $119,137,000 | 4,195 |
| Average equity | $14,228,330 | 4,159 |
| Average total loans | $82,974,670 | 4,012 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9909% | 1,925 |
| Cost of funding earning assets | 0.9068% | 2,636 |
| Net interest margin | 4.0841% | 2,158 |
| Noninterest income to average assets | 0.5244% | 3,749 |
| Noninterest expense to average assets | 3.4825% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5389% | 4,659 |
| Return on assets (ROA) | 0.5244% | 4,924 |
| Pretax return on assets | 0.5244% | 5,352 |
| Return on Equity (ROE) | 5.1135% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.1812% | 4,083 |
| Net charge-offs to loans | 0.0534% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 16.9091% | 1,331 |
| Efficiency ratio | 86.5994% | 1,422 |
| Assets per employee ($millions) | 3.1350% | 5,889 |
| Cash dividends to net income (ytd only)* | 18.2320% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0867% | 2,136 |
| Loan loss allowance to noncurrent loans | 66.2287% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 2.0016% | 2,894 |
| Noncurrent loans to loans | 3.1507% | 2,037 |
| Net loans and leases to total assets | 58.3046% | 3,988 |
| Net loans and leases to deposits | 69.2796% | 3,832 |
| Net loans and leases to core deposits | 73.8253% | 3,919 |
| Total domestic deposits to total assets | 84.1584% | 4,419 |
| Equity capital to assets | 10.3385% | 3,686 |
| Core capital (leverage) ratio | 8.9689% | 4,886 |
| Tier 1 risk-based capital ratio | 13.0314% | 5,195 |
| Total risk-based capital ratio | 14.2883% | 5,153 |
| Memoranda: | ||
| Average total assets | $138,062,000 | 4,071 |
| Average earning assets | $118,215,000 | 4,245 |
| Average equity | $14,158,500 | 4,171 |
| Average total loans | $82,380,000 | 4,056 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2000% | 2,059 |
| Cost of funding earning assets | 1.0564% | 2,976 |
| Net interest margin | 4.1435% | 2,252 |
| Noninterest income to average assets | 0.4909% | 3,916 |
| Noninterest expense to average assets | 3.4718% | 2,059 |
| Loan and lease loss provision to assets | 0.3689% | 2,778 |
| Net operating income to assets | 0.2556% | 5,414 |
| Return on assets (ROA) | 0.2535% | 5,560 |
| Pretax return on assets | 0.2549% | 5,662 |
| Return on Equity (ROE) | 2.5144% | 5,472 |
| Retained earnings to average equity (ytd only) | 1.6739% | 5,012 |
| Net charge-offs to loans | 0.7243% | 2,343 |
| Credit loss provision to net charge-offs | 84.7315% | 4,251 |
| Earnings coverage of net charge-offs (x) | 1.4379% | 4,690 |
| Efficiency ratio | 84.7237% | 1,691 |
| Assets per employee ($millions) | 3.0707% | 5,952 |
| Cash dividends to net income (ytd only)* | 33.4294% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0879% | 2,045 |
| Loan loss allowance to noncurrent loans | 61.0187% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 2.1710% | 2,767 |
| Noncurrent loans to loans | 3.4217% | 1,885 |
| Net loans and leases to total assets | 58.5419% | 4,272 |
| Net loans and leases to deposits | 69.4270% | 4,209 |
| Net loans and leases to core deposits | 75.0508% | 4,094 |
| Total domestic deposits to total assets | 84.3215% | 4,174 |
| Equity capital to assets | 10.1720% | 3,940 |
| Core capital (leverage) ratio | 8.7684% | 5,147 |
| Tier 1 risk-based capital ratio | 13.5497% | 4,660 |
| Total risk-based capital ratio | 14.8082% | 4,628 |
| Memoranda: | ||
| Average total assets | $136,901,400 | 4,034 |
| Average earning assets | $119,173,800 | 4,153 |
| Average equity | $13,800,400 | 4,159 |
| Average total loans | $82,281,200 | 4,071 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2451% | 2,050 |
| Cost of funding earning assets | 1.0577% | 3,271 |
| Net interest margin | 4.1874% | 2,154 |
| Noninterest income to average assets | 0.5145% | 3,761 |
| Noninterest expense to average assets | 3.5153% | 1,902 |
| Loan and lease loss provision to assets | 0.4735% | 2,096 |
| Net operating income to assets | 0.1796% | 5,754 |
| Return on assets (ROA) | 0.1767% | 5,884 |
| Pretax return on assets | 0.1786% | 5,934 |
| Return on Equity (ROE) | 1.7569% | 5,853 |
| Retained earnings to average equity (ytd only) | 0.8929% | 5,648 |
| Net charge-offs to loans | 0.8581% | 1,849 |
| Credit loss provision to net charge-offs | 91.6824% | 3,720 |
| Earnings coverage of net charge-offs (x) | 1.2684% | 4,665 |
| Efficiency ratio | 84.2931% | 1,705 |
| Assets per employee ($millions) | 3.1367% | 5,825 |
| Cash dividends to net income (ytd only)* | 49.1692% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1327% | 1,995 |
| Loan loss allowance to noncurrent loans | 36.7026% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 3.6002% | 1,743 |
| Noncurrent loans to loans | 5.8108% | 980 |
| Net loans and leases to total assets | 60.2869% | 4,080 |
| Net loans and leases to deposits | 71.9296% | 4,001 |
| Net loans and leases to core deposits | 77.7427% | 3,944 |
| Total domestic deposits to total assets | 83.8138% | 4,318 |
| Equity capital to assets | 10.4789% | 3,731 |
| Core capital (leverage) ratio | 8.8445% | 5,188 |
| Tier 1 risk-based capital ratio | 13.2034% | 4,948 |
| Total risk-based capital ratio | 14.4620% | 4,918 |
| Memoranda: | ||
| Average total assets | $136,581,000 | 4,067 |
| Average earning assets | $119,245,000 | 4,171 |
| Average equity | $13,736,500 | 4,176 |
| Average total loans | $82,196,500 | 4,116 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2118% | 2,218 |
| Cost of funding earning assets | 1.1188% | 3,102 |
| Net interest margin | 4.0929% | 2,438 |
| Noninterest income to average assets | 0.5089% | 3,786 |
| Noninterest expense to average assets | 3.4124% | 2,225 |
| Loan and lease loss provision to assets | 0.5614% | 1,721 |
| Net operating income to assets | 0.0903% | 6,042 |
| Return on assets (ROA) | 0.0875% | 6,123 |
| Pretax return on assets | 0.0904% | 6,118 |
| Return on Equity (ROE) | 0.8821% | 6,114 |
| Retained earnings to average equity (ytd only) | -0.0294% | 5,841 |
| Net charge-offs to loans | 0.8083% | 1,885 |
| Credit loss provision to net charge-offs | 116.3142% | 2,637 |
| Earnings coverage of net charge-offs (x) | 1.3565% | 4,266 |
| Efficiency ratio | 83.9010% | 1,825 |
| Assets per employee ($millions) | 3.2907% | 5,440 |
| Cash dividends to net income (ytd only)* | 103.3333% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2591% | 1,808 |
| Loan loss allowance to noncurrent loans | 25.0268% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 5.8449% | 969 |
| Noncurrent loans to loans | 9.0269% | 460 |
| Net loans and leases to total assets | 59.9652% | 4,281 |
| Net loans and leases to deposits | 71.2355% | 4,251 |
| Net loans and leases to core deposits | 77.2864% | 4,152 |
| Total domestic deposits to total assets | 84.1788% | 4,270 |
| Equity capital to assets | 10.1794% | 3,903 |
| Core capital (leverage) ratio | 8.3630% | 5,766 |
| Tier 1 risk-based capital ratio | 12.9398% | 4,965 |
| Total risk-based capital ratio | 14.2003% | 4,936 |
| Memoranda: | ||
| Average total assets | $137,148,000 | 4,077 |
| Average earning assets | $119,229,670 | 4,203 |
| Average equity | $13,604,000 | 4,195 |
| Average total loans | $81,899,670 | 4,159 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2584% | 2,012 |
| Cost of funding earning assets | 1.1723% | 3,002 |
| Net interest margin | 4.0861% | 2,319 |
| Noninterest income to average assets | 0.5468% | 3,534 |
| Noninterest expense to average assets | 3.3444% | 2,424 |
| Loan and lease loss provision to assets | 0.4050% | 2,164 |
| Net operating income to assets | 0.3009% | 5,393 |
| Return on assets (ROA) | 0.3009% | 5,462 |
| Pretax return on assets | 0.3067% | 5,636 |
| Return on Equity (ROE) | 3.0726% | 5,328 |
| Retained earnings to average equity (ytd only) | 2.2749% | 4,788 |
| Net charge-offs to loans | 0.9428% | 1,420 |
| Credit loss provision to net charge-offs | 72.9167% | 3,299 |
| Earnings coverage of net charge-offs (x) | 1.2813% | 3,707 |
| Efficiency ratio | 82.4536% | 2,157 |
| Assets per employee ($millions) | 3.3587% | 5,344 |
| Cash dividends to net income (ytd only)* | 25.9615% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2056% | 1,952 |
| Loan loss allowance to noncurrent loans | 37.0332% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 3.8923% | 1,718 |
| Noncurrent loans to loans | 5.9557% | 1,065 |
| Net loans and leases to total assets | 56.8301% | 4,841 |
| Net loans and leases to deposits | 67.2034% | 4,801 |
| Net loans and leases to core deposits | 74.6419% | 4,470 |
| Total domestic deposits to total assets | 84.5643% | 4,242 |
| Equity capital to assets | 9.8811% | 3,921 |
| Core capital (leverage) ratio | 8.5093% | 5,433 |
| Tier 1 risk-based capital ratio | 13.3306% | 4,555 |
| Total risk-based capital ratio | 14.5906% | 4,530 |
| Memoranda: | ||
| Average total assets | $138,262,000 | 4,090 |
| Average earning assets | $118,743,000 | 4,244 |
| Average equity | $13,539,000 | 4,209 |
| Average total loans | $81,462,000 | 4,206 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7251% | 1,487 |
| Cost of funding earning assets | 1.5103% | 2,575 |
| Net interest margin | 4.2147% | 2,128 |
| Noninterest income to average assets | 0.6154% | 3,376 |
| Noninterest expense to average assets | 3.6038% | 1,913 |
| Loan and lease loss provision to assets | 0.6087% | 2,697 |
| Net operating income to assets | 0.1291% | 5,506 |
| Return on assets (ROA) | 0.2037% | 5,427 |
| Pretax return on assets | 0.2051% | 5,481 |
| Return on Equity (ROE) | 2.0899% | 5,352 |
| Retained earnings to average equity (ytd only) | 1.2721% | 4,914 |
| Net charge-offs to loans | 0.9148% | 2,354 |
| Credit loss provision to net charge-offs | 104.4304% | 4,303 |
| Earnings coverage of net charge-offs (x) | 1.2671% | 4,838 |
| Efficiency ratio | 82.9907% | 2,052 |
| Assets per employee ($millions) | 3.3052% | 5,420 |
| Cash dividends to net income (ytd only)* | 39.1304% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1906% | 1,884 |
| Loan loss allowance to noncurrent loans | 40.8825% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 3.3296% | 2,126 |
| Noncurrent loans to loans | 5.3583% | 1,229 |
| Net loans and leases to total assets | 58.4107% | 4,968 |
| Net loans and leases to deposits | 68.9801% | 4,964 |
| Net loans and leases to core deposits | 76.2182% | 4,679 |
| Total domestic deposits to total assets | 84.6777% | 4,009 |
| Equity capital to assets | 9.7041% | 4,124 |
| Core capital (leverage) ratio | 8.3485% | 5,612 |
| Tier 1 risk-based capital ratio | 12.9682% | 4,622 |
| Total risk-based capital ratio | 14.2279% | 4,586 |
| Memoranda: | ||
| Average total assets | $135,524,600 | 4,144 |
| Average earning assets | $119,841,200 | 4,234 |
| Average equity | $13,206,200 | 4,327 |
| Average total loans | $86,359,400 | 4,149 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8320% | 1,305 |
| Cost of funding earning assets | 1.5648% | 2,582 |
| Net interest margin | 4.2672% | 1,964 |
| Noninterest income to average assets | 0.6365% | 3,214 |
| Noninterest expense to average assets | 3.6019% | 1,788 |
| Loan and lease loss provision to assets | 0.6978% | 2,199 |
| Net operating income to assets | 0.1300% | 5,689 |
| Return on assets (ROA) | 0.1663% | 5,757 |
| Pretax return on assets | 0.1683% | 5,800 |
| Return on Equity (ROE) | 1.7046% | 5,701 |
| Retained earnings to average equity (ytd only) | 0.9030% | 5,443 |
| Net charge-offs to loans | 0.9141% | 2,166 |
| Credit loss provision to net charge-offs | 117.8930% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.4013% | 4,684 |
| Efficiency ratio | 81.2821% | 2,155 |
| Assets per employee ($millions) | 3.1608% | 5,777 |
| Cash dividends to net income (ytd only)* | 47.0244% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2672% | 1,674 |
| Loan loss allowance to noncurrent loans | 71.9787% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 2.0623% | 3,389 |
| Noncurrent loans to loans | 3.1498% | 2,530 |
| Net loans and leases to total assets | 59.8808% | 4,936 |
| Net loans and leases to deposits | 70.8280% | 5,032 |
| Net loans and leases to core deposits | 80.3822% | 4,470 |
| Total domestic deposits to total assets | 84.5440% | 3,852 |
| Equity capital to assets | 10.0651% | 4,070 |
| Core capital (leverage) ratio | 8.6013% | 5,344 |
| Tier 1 risk-based capital ratio | 12.7074% | 4,807 |
| Total risk-based capital ratio | 13.9681% | 4,779 |
| Memoranda: | ||
| Average total assets | $134,701,500 | 4,218 |
| Average earning assets | $119,795,750 | 4,289 |
| Average equity | $13,140,000 | 4,405 |
| Average total loans | $87,224,250 | 4,190 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8675% | 1,261 |
| Cost of funding earning assets | 1.6058% | 2,623 |
| Net interest margin | 4.2616% | 1,917 |
| Noninterest income to average assets | 0.5957% | 3,371 |
| Noninterest expense to average assets | 3.5637% | 1,873 |
| Loan and lease loss provision to assets | 0.7818% | 1,842 |
| Net operating income to assets | 0.0388% | 6,012 |
| Return on assets (ROA) | 0.0908% | 6,001 |
| Pretax return on assets | 0.0938% | 5,991 |
| Return on Equity (ROE) | 0.9414% | 5,968 |
| Retained earnings to average equity (ytd only) | 0.1235% | 5,693 |
| Net charge-offs to loans | 1.1091% | 1,707 |
| Credit loss provision to net charge-offs | 106.9246% | 3,818 |
| Earnings coverage of net charge-offs (x) | 1.1242% | 4,664 |
| Efficiency ratio | 81.2564% | 2,269 |
| Assets per employee ($millions) | 3.1315% | 5,841 |
| Cash dividends to net income (ytd only)* | 86.8852% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1484% | 1,867 |
| Loan loss allowance to noncurrent loans | 74.4768% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.9996% | 3,499 |
| Noncurrent loans to loans | 2.8846% | 2,768 |
| Net loans and leases to total assets | 62.8532% | 4,500 |
| Net loans and leases to deposits | 74.3823% | 4,613 |
| Net loans and leases to core deposits | 83.3320% | 4,236 |
| Total domestic deposits to total assets | 84.5002% | 3,870 |
| Equity capital to assets | 9.9450% | 4,087 |
| Core capital (leverage) ratio | 8.5546% | 5,315 |
| Tier 1 risk-based capital ratio | 12.4215% | 4,926 |
| Total risk-based capital ratio | 13.6802% | 4,904 |
| Memoranda: | ||
| Average total assets | $134,297,000 | 4,255 |
| Average earning assets | $119,438,330 | 4,327 |
| Average equity | $12,960,000 | 4,449 |
| Average total loans | $88,540,670 | 4,186 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8635% | 1,286 |
| Cost of funding earning assets | 1.6256% | 2,798 |
| Net interest margin | 4.2378% | 1,900 |
| Noninterest income to average assets | 0.5513% | 3,643 |
| Noninterest expense to average assets | 3.4816% | 2,033 |
| Loan and lease loss provision to assets | 0.3832% | 3,069 |
| Net operating income to assets | 0.4540% | 4,600 |
| Return on assets (ROA) | 0.4540% | 4,725 |
| Pretax return on assets | 0.4599% | 5,085 |
| Return on Equity (ROE) | 4.7752% | 4,485 |
| Retained earnings to average equity (ytd only) | 3.9380% | 3,777 |
| Net charge-offs to loans | 0.0574% | 4,834 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,103 |
| Efficiency ratio | 80.5044% | 2,490 |
| Assets per employee ($millions) | 3.0342% | 6,136 |
| Cash dividends to net income (ytd only)* | 17.5325% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1560% | 1,839 |
| Loan loss allowance to noncurrent loans | 60.5230% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 2.3490% | 3,094 |
| Noncurrent loans to loans | 3.5623% | 2,240 |
| Net loans and leases to total assets | 64.5170% | 4,212 |
| Net loans and leases to deposits | 76.1850% | 4,376 |
| Net loans and leases to core deposits | 81.5246% | 4,557 |
| Total domestic deposits to total assets | 84.6846% | 3,816 |
| Equity capital to assets | 9.8879% | 4,010 |
| Core capital (leverage) ratio | 8.6621% | 5,089 |
| Tier 1 risk-based capital ratio | 12.0841% | 5,101 |
| Total risk-based capital ratio | 13.3433% | 5,060 |
| Memoranda: | ||
| Average total assets | $135,683,500 | 4,288 |
| Average earning assets | $120,816,000 | 4,355 |
| Average equity | $12,900,000 | 4,501 |
| Average total loans | $90,570,000 | 4,188 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3944% | 841 |
| Cost of funding earning assets | 1.9373% | 3,266 |
| Net interest margin | 4.4571% | 1,278 |
| Noninterest income to average assets | 0.6286% | 3,433 |
| Noninterest expense to average assets | 3.5761% | 2,204 |
| Loan and lease loss provision to assets | 1.3425% | 1,712 |
| Net operating income to assets | -0.2184% | 5,861 |
| Return on assets (ROA) | -0.3382% | 6,003 |
| Pretax return on assets | -0.3367% | 5,862 |
| Return on Equity (ROE) | -3.8027% | 6,096 |
| Retained earnings to average equity (ytd only) | -7.3244% | 6,274 |
| Net charge-offs to loans | 1.0707% | 2,273 |
| Credit loss provision to net charge-offs | 176.2548% | 2,384 |
| Earnings coverage of net charge-offs (x) | 1.4778% | 4,648 |
| Efficiency ratio | 76.0594% | 3,516 |
| Assets per employee ($millions) | 3.0636% | 6,059 |
| Cash dividends to net income (ytd only)* | -92.6087% | 7,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9118% | 2,232 |
| Loan loss allowance to noncurrent loans | 80.5794% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.6023% | 3,973 |
| Noncurrent loans to loans | 2.3725% | 3,201 |
| Net loans and leases to total assets | 66.2464% | 4,098 |
| Net loans and leases to deposits | 77.3920% | 4,486 |
| Net loans and leases to core deposits | 88.3993% | 5,286 |
| Total domestic deposits to total assets | 85.5985% | 3,227 |
| Equity capital to assets | 9.1389% | 4,931 |
| Core capital (leverage) ratio | 8.2307% | 5,763 |
| Tier 1 risk-based capital ratio | 10.9923% | 5,916 |
| Total risk-based capital ratio | 12.2489% | 5,884 |
| Memoranda: | ||
| Average total assets | $136,014,200 | 4,212 |
| Average earning assets | $124,295,600 | 4,211 |
| Average equity | $12,096,600 | 4,726 |
| Average total loans | $96,755,200 | 4,041 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4376% | 860 |
| Cost of funding earning assets | 1.9707% | 3,509 |
| Net interest margin | 4.4669% | 1,274 |
| Noninterest income to average assets | 0.6600% | 3,290 |
| Noninterest expense to average assets | 3.7190% | 1,774 |
| Loan and lease loss provision to assets | 1.6770% | 1,112 |
| Net operating income to assets | -0.6334% | 6,552 |
| Return on assets (ROA) | -0.7800% | 6,681 |
| Pretax return on assets | -0.7780% | 6,529 |
| Return on Equity (ROE) | -8.8323% | 6,801 |
| Retained earnings to average equity (ytd only) | -13.2428% | 7,021 |
| Net charge-offs to loans | 1.2860% | 1,600 |
| Credit loss provision to net charge-offs | 180.9979% | 2,527 |
| Earnings coverage of net charge-offs (x) | 1.1285% | 4,932 |
| Efficiency ratio | 78.0553% | 3,159 |
| Assets per employee ($millions) | 3.1027% | 5,902 |
| Cash dividends to net income (ytd only)* | -49.9371% | 7,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8270% | 2,198 |
| Loan loss allowance to noncurrent loans | 70.2605% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.8276% | 3,610 |
| Noncurrent loans to loans | 2.6003% | 2,903 |
| Net loans and leases to total assets | 69.0009% | 3,709 |
| Net loans and leases to deposits | 80.4863% | 4,300 |
| Net loans and leases to core deposits | 92.3917% | 5,194 |
| Total domestic deposits to total assets | 85.7300% | 2,843 |
| Equity capital to assets | 8.7813% | 5,830 |
| Core capital (leverage) ratio | 7.7762% | 6,635 |
| Tier 1 risk-based capital ratio | 10.1536% | 6,827 |
| Total risk-based capital ratio | 11.4097% | 6,762 |
| Memoranda: | ||
| Average total assets | $135,552,500 | 4,240 |
| Average earning assets | $124,557,500 | 4,231 |
| Average equity | $11,971,000 | 4,802 |
| Average total loans | $97,667,000 | 4,047 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5946% | 666 |
| Cost of funding earning assets | 1.9967% | 3,795 |
| Net interest margin | 4.5978% | 956 |
| Noninterest income to average assets | 0.6774% | 3,134 |
| Noninterest expense to average assets | 3.8970% | 1,495 |
| Loan and lease loss provision to assets | 0.8504% | 1,967 |
| Net operating income to assets | 0.1471% | 5,424 |
| Return on assets (ROA) | 0.2100% | 5,307 |
| Pretax return on assets | 0.2130% | 5,430 |
| Return on Equity (ROE) | 2.3735% | 5,147 |
| Retained earnings to average equity (ytd only) | -3.6439% | 6,074 |
| Net charge-offs to loans | 1.4414% | 1,311 |
| Credit loss provision to net charge-offs | 81.2147% | 5,159 |
| Earnings coverage of net charge-offs (x) | 0.9548% | 4,815 |
| Efficiency ratio | 79.5832% | 3,114 |
| Assets per employee ($millions) | 2.7563% | 6,726 |
| Cash dividends to net income (ytd only)* | 253.5211% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 6,888 |
| Loan loss allowance to noncurrent loans | 47.6111% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 1.3328% | 4,285 |
| Noncurrent loans to loans | 1.8341% | 3,760 |
| Net loans and leases to total assets | 72.0318% | 3,219 |
| Net loans and leases to deposits | 86.0045% | 3,550 |
| Net loans and leases to core deposits | 98.5344% | 4,649 |
| Total domestic deposits to total assets | 83.7535% | 3,894 |
| Equity capital to assets | 9.0236% | 5,284 |
| Core capital (leverage) ratio | 8.7350% | 5,037 |
| Tier 1 risk-based capital ratio | 11.0828% | 5,797 |
| Total risk-based capital ratio | 11.9160% | 6,152 |
| Memoranda: | ||
| Average total assets | $135,231,000 | 4,275 |
| Average earning assets | $124,102,330 | 4,269 |
| Average equity | $11,965,330 | 4,820 |
| Average total loans | $98,239,000 | 4,055 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4022% | 1,061 |
| Cost of funding earning assets | 2.0385% | 3,932 |
| Net interest margin | 4.3637% | 1,434 |
| Noninterest income to average assets | 0.5764% | 3,715 |
| Noninterest expense to average assets | 3.9847% | 1,203 |
| Loan and lease loss provision to assets | 0.8099% | 1,594 |
| Net operating income to assets | -0.1744% | 6,515 |
| Return on assets (ROA) | -0.1744% | 6,609 |
| Pretax return on assets | -0.1685% | 6,538 |
| Return on Equity (ROE) | -1.9908% | 6,659 |
| Retained earnings to average equity (ytd only) | -12.9571% | 7,324 |
| Net charge-offs to loans | 0.5331% | 2,120 |
| Credit loss provision to net charge-offs | 209.1603% | 2,143 |
| Earnings coverage of net charge-offs (x) | 1.6565% | 3,903 |
| Efficiency ratio | 86.1342% | 2,049 |
| Assets per employee ($millions) | 2.6206% | 7,047 |
| Cash dividends to net income (ytd only)* | -550.8475% | 8,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 5,118 |
| Loan loss allowance to noncurrent loans | 47.9272% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 1.9186% | 3,030 |
| Noncurrent loans to loans | 2.4006% | 2,751 |
| Net loans and leases to total assets | 74.2914% | 2,686 |
| Net loans and leases to deposits | 88.4576% | 3,207 |
| Net loans and leases to core deposits | 101.1608% | 4,424 |
| Total domestic deposits to total assets | 83.9853% | 3,708 |
| Equity capital to assets | 8.6957% | 5,769 |
| Core capital (leverage) ratio | 8.5297% | 5,474 |
| Tier 1 risk-based capital ratio | 10.8151% | 6,075 |
| Total risk-based capital ratio | 11.9060% | 6,146 |
| Memoranda: | ||
| Average total assets | $135,318,000 | 4,306 |
| Average earning assets | $125,581,500 | 4,250 |
| Average equity | $11,854,500 | 4,880 |
| Average total loans | $98,288,000 | 4,084 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0925% | 930 |
| Cost of funding earning assets | 2.5324% | 4,037 |
| Net interest margin | 4.5601% | 1,288 |
| Noninterest income to average assets | 0.5881% | 3,937 |
| Noninterest expense to average assets | 3.8731% | 1,614 |
| Loan and lease loss provision to assets | 0.5776% | 2,514 |
| Net operating income to assets | 0.3775% | 5,240 |
| Return on assets (ROA) | 0.3828% | 5,033 |
| Pretax return on assets | 0.3858% | 5,303 |
| Return on Equity (ROE) | 3.9037% | 4,858 |
| Retained earnings to average equity (ytd only) | 0.0308% | 5,219 |
| Net charge-offs to loans | 1.1212% | 1,079 |
| Credit loss provision to net charge-offs | 74.5614% | 6,003 |
| Earnings coverage of net charge-offs (x) | 1.2368% | 5,509 |
| Efficiency ratio | 80.1688% | 2,573 |
| Assets per employee ($millions) | 2.6847% | 6,815 |
| Cash dividends to net income (ytd only)* | 99.2110% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 5,948 |
| Loan loss allowance to noncurrent loans | 88.1567% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 4,561 |
| Noncurrent loans to loans | 1.1448% | 4,256 |
| Net loans and leases to total assets | 69.5593% | 4,126 |
| Net loans and leases to deposits | 82.5855% | 4,638 |
| Net loans and leases to core deposits | 94.4760% | 5,402 |
| Total domestic deposits to total assets | 84.2270% | 3,210 |
| Equity capital to assets | 8.8213% | 5,616 |
| Core capital (leverage) ratio | 8.6289% | 5,325 |
| Tier 1 risk-based capital ratio | 11.0559% | 5,677 |
| Total risk-based capital ratio | 11.9981% | 5,866 |
| Memoranda: | ||
| Average total assets | $132,452,600 | 4,227 |
| Average earning assets | $123,243,000 | 4,188 |
| Average equity | $12,987,600 | 4,583 |
| Average total loans | $91,505,600 | 4,175 |