Home > Savings Bank > Performance and Condition Ratios
Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2678% | 1,544 |
| Cost of funding earning assets | 2.5713% | 314 |
| Net interest margin | 2.6966% | 3,826 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.4263% | 4,377 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.2481% | 1,540 |
| Return on assets (ROA) | 1.2481% | 1,517 |
| Pretax return on assets | 1.3085% | 1,848 |
| Return on Equity (ROE) | 11.8700% | 1,984 |
| Retained earnings to average equity (ytd only) | 6.3757% | 2,101 |
| Net charge-offs to loans | -0.0005% | 3,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.3252% | 3,882 |
| Assets per employee ($millions) | 13.2592% | 309 |
| Cash dividends to net income (ytd only)* | 46.2968% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 927 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 70.4100% | 1,762 |
| Net loans and leases to deposits | 86.8892% | 1,542 |
| Net loans and leases to core deposits | 96.6484% | 1,622 |
| Total domestic deposits to total assets | 81.0400% | 3,303 |
| Equity capital to assets | 10.9760% | 1,492 |
| Core capital (leverage) ratio | 13.0984% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4935% | 1,395 |
| Memoranda: | ||
| Average total assets | $271,541,400 | 2,572 |
| Average earning assets | $265,744,200 | 2,484 |
| Average equity | $28,545,800 | 2,342 |
| Average total loans | $192,046,800 | 2,347 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 1,511 |
| Cost of funding earning assets | 2.4458% | 302 |
| Net interest margin | 2.7229% | 3,848 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.4251% | 4,377 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.2858% | 1,576 |
| Return on assets (ROA) | 1.2858% | 1,564 |
| Pretax return on assets | 1.3540% | 1,886 |
| Return on Equity (ROE) | 12.3700% | 2,035 |
| Retained earnings to average equity (ytd only) | 6.7850% | 2,362 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.4725% | 3,877 |
| Assets per employee ($millions) | 13.0010% | 300 |
| Cash dividends to net income (ytd only)* | 45.1576% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 930 |
| Loan loss allowance to noncurrent loans | 1,240.8907% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 2,978 |
| Noncurrent loans to loans | 0.1268% | 2,918 |
| Net loans and leases to total assets | 70.2100% | 1,803 |
| Net loans and leases to deposits | 84.2695% | 1,717 |
| Net loans and leases to core deposits | 93.8987% | 1,682 |
| Total domestic deposits to total assets | 83.3100% | 2,962 |
| Equity capital to assets | 10.0641% | 1,797 |
| Core capital (leverage) ratio | 13.0666% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9051% | 1,346 |
| Memoranda: | ||
| Average total assets | $269,816,000 | 2,580 |
| Average earning assets | $264,176,250 | 2,496 |
| Average equity | $28,041,750 | 2,352 |
| Average total loans | $190,269,000 | 2,360 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 1,516 |
| Cost of funding earning assets | 2.2834% | 288 |
| Net interest margin | 2.7451% | 3,914 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.4400% | 4,380 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.3075% | 1,555 |
| Return on assets (ROA) | 1.3075% | 1,540 |
| Pretax return on assets | 1.3768% | 1,870 |
| Return on Equity (ROE) | 12.4500% | 2,027 |
| Retained earnings to average equity (ytd only) | 6.9217% | 2,308 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.3251% | 3,896 |
| Assets per employee ($millions) | 12.8190% | 310 |
| Cash dividends to net income (ytd only)* | 44.3939% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 911 |
| Loan loss allowance to noncurrent loans | 18,968.7500% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,804 |
| Noncurrent loans to loans | 0.0085% | 3,731 |
| Net loans and leases to total assets | 68.7700% | 1,872 |
| Net loans and leases to deposits | 80.2007% | 1,957 |
| Net loans and leases to core deposits | 88.0579% | 1,923 |
| Total domestic deposits to total assets | 85.7500% | 2,312 |
| Equity capital to assets | 10.6814% | 1,517 |
| Core capital (leverage) ratio | 13.0932% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $268,747,667 | 2,595 |
| Average earning assets | $263,377,333 | 2,510 |
| Average equity | $28,230,000 | 2,343 |
| Average total loans | $188,776,333 | 2,360 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8927% | 1,428 |
| Cost of funding earning assets | 2.0303% | 282 |
| Net interest margin | 2.8624% | 3,846 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.3734% | 4,489 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.4092% | 1,383 |
| Return on assets (ROA) | 1.4092% | 1,355 |
| Pretax return on assets | 1.4837% | 1,709 |
| Return on Equity (ROE) | 13.5300% | 1,873 |
| Retained earnings to average equity (ytd only) | 8.0235% | 2,210 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.3306% | 4,132 |
| Assets per employee ($millions) | 12.6245% | 335 |
| Cash dividends to net income (ytd only)* | 40.6977% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 941 |
| Loan loss allowance to noncurrent loans | 18,781.2500% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,829 |
| Noncurrent loans to loans | 0.0087% | 3,768 |
| Net loans and leases to total assets | 68.2400% | 1,808 |
| Net loans and leases to deposits | 77.9099% | 1,978 |
| Net loans and leases to core deposits | 84.1120% | 1,976 |
| Total domestic deposits to total assets | 87.5900% | 2,062 |
| Equity capital to assets | 10.8335% | 1,407 |
| Core capital (leverage) ratio | 13.0098% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $268,522,500 | 2,623 |
| Average earning assets | $263,415,000 | 2,543 |
| Average equity | $27,968,000 | 2,389 |
| Average total loans | $189,077,000 | 2,377 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 1,709 |
| Cost of funding earning assets | 0.9374% | 218 |
| Net interest margin | 3.0664% | 3,273 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.4357% | 4,485 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.6063% | 683 |
| Return on assets (ROA) | 1.6063% | 652 |
| Pretax return on assets | 1.6879% | 950 |
| Return on Equity (ROE) | 14.8900% | 1,277 |
| Retained earnings to average equity (ytd only) | 9.4994% | 1,315 |
| Net charge-offs to loans | -0.0619% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.2904% | 4,385 |
| Assets per employee ($millions) | 12.9491% | 308 |
| Cash dividends to net income (ytd only)* | 36.2148% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 1,115 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.3300% | 1,608 |
| Net loans and leases to deposits | 83.0630% | 1,537 |
| Net loans and leases to core deposits | 88.4450% | 1,586 |
| Total domestic deposits to total assets | 84.6700% | 3,067 |
| Equity capital to assets | 10.0081% | 1,700 |
| Core capital (leverage) ratio | 12.8207% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $258,549,000 | 2,681 |
| Average earning assets | $253,786,800 | 2,590 |
| Average equity | $27,886,000 | 2,432 |
| Average total loans | $182,695,400 | 2,353 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 1,813 |
| Cost of funding earning assets | 0.7062% | 257 |
| Net interest margin | 3.0753% | 3,003 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.4362% | 4,488 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.6164% | 633 |
| Return on assets (ROA) | 1.6164% | 614 |
| Pretax return on assets | 1.7021% | 900 |
| Return on Equity (ROE) | 14.7000% | 1,239 |
| Retained earnings to average equity (ytd only) | 9.3437% | 1,541 |
| Net charge-offs to loans | 0.0044% | 2,032 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 558.0000% | 285 |
| Efficiency ratio | 45.0877% | 4,421 |
| Assets per employee ($millions) | 13.0024% | 298 |
| Cash dividends to net income (ytd only)* | 36.4577% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 1,228 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 69.9800% | 1,478 |
| Net loans and leases to deposits | 81.1587% | 1,510 |
| Net loans and leases to core deposits | 84.2228% | 1,636 |
| Total domestic deposits to total assets | 86.2200% | 3,015 |
| Equity capital to assets | 9.5971% | 1,829 |
| Core capital (leverage) ratio | 12.8094% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $255,203,500 | 2,714 |
| Average earning assets | $250,551,250 | 2,631 |
| Average equity | $28,053,750 | 2,460 |
| Average total loans | $179,813,000 | 2,379 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5381% | 2,021 |
| Cost of funding earning assets | 0.5434% | 408 |
| Net interest margin | 2.9947% | 2,898 |
| Noninterest income to average assets | 0.1325% | 4,344 |
| Noninterest expense to average assets | 1.4330% | 4,498 |
| Loan and lease loss provision to assets | 0.0473% | 1,718 |
| Net operating income to assets | 1.5151% | 684 |
| Return on assets (ROA) | 1.5151% | 661 |
| Pretax return on assets | 1.5947% | 949 |
| Return on Equity (ROE) | 13.2091% | 1,323 |
| Retained earnings to average equity (ytd only) | 8.0382% | 1,601 |
| Net charge-offs to loans | 0.0067% | 1,754 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 347.0000% | 358 |
| Efficiency ratio | 46.6017% | 4,423 |
| Assets per employee ($millions) | 12.1574% | 364 |
| Cash dividends to net income (ytd only)* | 39.1463% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 1,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 68.1198% | 1,466 |
| Net loans and leases to deposits | 78.1734% | 1,526 |
| Net loans and leases to core deposits | 81.2857% | 1,638 |
| Total domestic deposits to total assets | 87.1394% | 2,890 |
| Equity capital to assets | 10.6648% | 1,367 |
| Core capital (leverage) ratio | 12.6559% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,588,667 | 2,750 |
| Average earning assets | $249,171,667 | 2,677 |
| Average equity | $29,086,000 | 2,455 |
| Average total loans | $178,152,333 | 2,393 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3679% | 2,186 |
| Cost of funding earning assets | 0.5103% | 468 |
| Net interest margin | 2.8576% | 2,964 |
| Noninterest income to average assets | 0.1535% | 4,234 |
| Noninterest expense to average assets | 1.4181% | 4,519 |
| Loan and lease loss provision to assets | 0.0475% | 1,521 |
| Net operating income to assets | 1.4134% | 771 |
| Return on assets (ROA) | 1.4134% | 767 |
| Pretax return on assets | 1.4973% | 1,026 |
| Return on Equity (ROE) | 11.9007% | 1,346 |
| Retained earnings to average equity (ytd only) | 6.8899% | 1,929 |
| Net charge-offs to loans | -0.2527% | 4,636 |
| Credit loss provision to net charge-offs | -26.5487% | 2,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8632% | 4,409 |
| Assets per employee ($millions) | 12.0595% | 387 |
| Cash dividends to net income (ytd only)* | 42.1053% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 1,121 |
| Loan loss allowance to noncurrent loans | 2,465.8120% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,580 |
| Noncurrent loans to loans | 0.0674% | 3,512 |
| Net loans and leases to total assets | 67.3586% | 1,276 |
| Net loans and leases to deposits | 76.0966% | 1,434 |
| Net loans and leases to core deposits | 79.0704% | 1,547 |
| Total domestic deposits to total assets | 88.5172% | 2,290 |
| Equity capital to assets | 11.2790% | 1,204 |
| Core capital (leverage) ratio | 12.3517% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,730,000 | 2,768 |
| Average earning assets | $248,462,500 | 2,690 |
| Average equity | $30,015,000 | 2,481 |
| Average total loans | $178,874,000 | 2,387 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 1,847 |
| Cost of funding earning assets | 0.6373% | 454 |
| Net interest margin | 3.1694% | 2,686 |
| Noninterest income to average assets | 0.1488% | 4,405 |
| Noninterest expense to average assets | 1.4540% | 4,583 |
| Loan and lease loss provision to assets | 0.0502% | 2,057 |
| Net operating income to assets | 1.6709% | 678 |
| Return on assets (ROA) | 1.6709% | 712 |
| Pretax return on assets | 1.7583% | 1,008 |
| Return on Equity (ROE) | 13.1127% | 1,424 |
| Retained earnings to average equity (ytd only) | 8.1798% | 1,470 |
| Net charge-offs to loans | 0.0457% | 1,374 |
| Credit loss provision to net charge-offs | 148.1481% | 1,499 |
| Earnings coverage of net charge-offs (x) | 53.4198% | 1,262 |
| Efficiency ratio | 44.5683% | 4,551 |
| Assets per employee ($millions) | 12.0100% | 396 |
| Cash dividends to net income (ytd only)* | 37.6188% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,596 |
| Loan loss allowance to noncurrent loans | 1,252.0548% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 3,161 |
| Noncurrent loans to loans | 0.1188% | 3,339 |
| Net loans and leases to total assets | 71.9778% | 842 |
| Net loans and leases to deposits | 82.3603% | 1,031 |
| Net loans and leases to core deposits | 85.9582% | 1,203 |
| Total domestic deposits to total assets | 87.3939% | 2,341 |
| Equity capital to assets | 12.4761% | 1,070 |
| Core capital (leverage) ratio | 12.6771% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,266,200 | 2,800 |
| Average earning assets | $235,057,400 | 2,713 |
| Average equity | $30,489,600 | 2,501 |
| Average total loans | $177,334,400 | 2,403 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 1,641 |
| Cost of funding earning assets | 0.6786% | 432 |
| Net interest margin | 3.2703% | 2,508 |
| Noninterest income to average assets | 0.1333% | 4,532 |
| Noninterest expense to average assets | 1.4631% | 4,632 |
| Loan and lease loss provision to assets | 0.0508% | 1,979 |
| Net operating income to assets | 1.7393% | 755 |
| Return on assets (ROA) | 1.7393% | 786 |
| Pretax return on assets | 1.8319% | 1,088 |
| Return on Equity (ROE) | 13.5730% | 1,530 |
| Retained earnings to average equity (ytd only) | 8.6005% | 1,836 |
| Net charge-offs to loans | -0.0190% | 3,941 |
| Credit loss provision to net charge-offs | -360.0000% | 3,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7278% | 4,598 |
| Assets per employee ($millions) | 11.9204% | 378 |
| Cash dividends to net income (ytd only)* | 36.6353% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 1,348 |
| Loan loss allowance to noncurrent loans | 1,092.2481% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 3,382 |
| Noncurrent loans to loans | 0.1462% | 3,385 |
| Net loans and leases to total assets | 72.8327% | 791 |
| Net loans and leases to deposits | 83.9939% | 964 |
| Net loans and leases to core deposits | 86.7046% | 1,239 |
| Total domestic deposits to total assets | 86.7119% | 2,459 |
| Equity capital to assets | 13.0642% | 967 |
| Core capital (leverage) ratio | 12.9638% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,030,000 | 2,841 |
| Average earning assets | $231,857,500 | 2,756 |
| Average equity | $30,245,500 | 2,546 |
| Average total loans | $175,598,500 | 2,456 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4946% | 2,907 |
| Cost of funding earning assets | 0.7277% | 403 |
| Net interest margin | 2.7669% | 3,854 |
| Noninterest income to average assets | 0.7998% | 1,530 |
| Noninterest expense to average assets | 1.4508% | 4,673 |
| Loan and lease loss provision to assets | 0.0511% | 2,015 |
| Net operating income to assets | 1.9145% | 569 |
| Return on assets (ROA) | 1.9145% | 600 |
| Pretax return on assets | 2.0158% | 819 |
| Return on Equity (ROE) | 15.0420% | 1,148 |
| Retained earnings to average equity (ytd only) | 10.0146% | 1,390 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2433% | 4,714 |
| Assets per employee ($millions) | 11.3058% | 426 |
| Cash dividends to net income (ytd only)* | 33.4222% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 1,047 |
| Loan loss allowance to noncurrent loans | 1,213.2780% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 3,540 |
| Noncurrent loans to loans | 0.1404% | 3,496 |
| Net loans and leases to total assets | 71.0898% | 1,069 |
| Net loans and leases to deposits | 81.6939% | 1,259 |
| Net loans and leases to core deposits | 85.2671% | 1,472 |
| Total domestic deposits to total assets | 87.0197% | 2,307 |
| Equity capital to assets | 12.7942% | 1,017 |
| Core capital (leverage) ratio | 12.5577% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,047,667 | 2,843 |
| Average earning assets | $230,871,000 | 2,758 |
| Average equity | $29,916,333 | 2,563 |
| Average total loans | $175,312,333 | 2,470 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5054% | 2,910 |
| Cost of funding earning assets | 0.7941% | 366 |
| Net interest margin | 2.7113% | 3,943 |
| Noninterest income to average assets | 0.9972% | 1,134 |
| Noninterest expense to average assets | 1.4145% | 4,733 |
| Loan and lease loss provision to assets | 0.0513% | 2,077 |
| Net operating income to assets | 2.0850% | 503 |
| Return on assets (ROA) | 2.0850% | 543 |
| Pretax return on assets | 2.1945% | 697 |
| Return on Equity (ROE) | 16.4250% | 940 |
| Retained earnings to average equity (ytd only) | 11.3587% | 1,309 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6449% | 4,791 |
| Assets per employee ($millions) | 11.8873% | 361 |
| Cash dividends to net income (ytd only)* | 30.8450% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 1,170 |
| Loan loss allowance to noncurrent loans | 1,063.9706% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 3,598 |
| Noncurrent loans to loans | 0.1550% | 3,556 |
| Net loans and leases to total assets | 72.6086% | 942 |
| Net loans and leases to deposits | 83.2790% | 1,221 |
| Net loans and leases to core deposits | 87.5397% | 1,407 |
| Total domestic deposits to total assets | 87.1872% | 2,235 |
| Equity capital to assets | 12.6387% | 1,019 |
| Core capital (leverage) ratio | 12.7170% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,861,000 | 2,835 |
| Average earning assets | $229,704,500 | 2,752 |
| Average equity | $29,686,500 | 2,568 |
| Average total loans | $177,115,500 | 2,459 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 2,113 |
| Cost of funding earning assets | 1.2149% | 261 |
| Net interest margin | 2.9936% | 3,902 |
| Noninterest income to average assets | 0.2149% | 4,205 |
| Noninterest expense to average assets | 1.4260% | 4,822 |
| Loan and lease loss provision to assets | 0.1209% | 2,853 |
| Net operating income to assets | 1.5222% | 764 |
| Return on assets (ROA) | 1.5222% | 829 |
| Pretax return on assets | 1.6015% | 1,074 |
| Return on Equity (ROE) | 12.0432% | 1,309 |
| Retained earnings to average equity (ytd only) | 6.7159% | 1,502 |
| Net charge-offs to loans | -0.0285% | 4,518 |
| Credit loss provision to net charge-offs | -519.2308% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2929% | 4,740 |
| Assets per employee ($millions) | 11.4988% | 360 |
| Cash dividends to net income (ytd only)* | 44.2353% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,288 |
| Loan loss allowance to noncurrent loans | 1,608.9888% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 3,947 |
| Noncurrent loans to loans | 0.0996% | 3,895 |
| Net loans and leases to total assets | 76.4641% | 740 |
| Net loans and leases to deposits | 87.7578% | 1,116 |
| Net loans and leases to core deposits | 93.1310% | 1,296 |
| Total domestic deposits to total assets | 87.1308% | 1,873 |
| Equity capital to assets | 12.7513% | 1,201 |
| Core capital (leverage) ratio | 12.5376% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,356,000 | 2,770 |
| Average earning assets | $218,869,800 | 2,680 |
| Average equity | $28,231,600 | 2,590 |
| Average total loans | $182,181,600 | 2,394 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3048% | 2,084 |
| Cost of funding earning assets | 1.2859% | 262 |
| Net interest margin | 3.0189% | 3,930 |
| Noninterest income to average assets | 0.2388% | 4,062 |
| Noninterest expense to average assets | 1.3910% | 4,865 |
| Loan and lease loss provision to assets | 0.1024% | 3,039 |
| Net operating income to assets | 1.6123% | 701 |
| Return on assets (ROA) | 1.6123% | 773 |
| Pretax return on assets | 1.7019% | 971 |
| Return on Equity (ROE) | 12.7854% | 1,174 |
| Retained earnings to average equity (ytd only) | 7.4061% | 1,530 |
| Net charge-offs to loans | -0.0342% | 4,570 |
| Credit loss provision to net charge-offs | -361.7021% | 3,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5347% | 4,812 |
| Assets per employee ($millions) | 11.1267% | 376 |
| Cash dividends to net income (ytd only)* | 42.0739% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 1,290 |
| Loan loss allowance to noncurrent loans | 1,407.1429% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 3,992 |
| Noncurrent loans to loans | 0.1090% | 3,931 |
| Net loans and leases to total assets | 79.5789% | 645 |
| Net loans and leases to deposits | 91.7612% | 1,095 |
| Net loans and leases to core deposits | 97.8160% | 1,318 |
| Total domestic deposits to total assets | 86.7238% | 1,762 |
| Equity capital to assets | 12.9931% | 1,186 |
| Core capital (leverage) ratio | 12.7673% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,701,000 | 2,768 |
| Average earning assets | $217,114,750 | 2,679 |
| Average equity | $27,958,250 | 2,599 |
| Average total loans | $183,048,750 | 2,391 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 2,224 |
| Cost of funding earning assets | 1.3628% | 266 |
| Net interest margin | 3.0319% | 4,053 |
| Noninterest income to average assets | 0.2719% | 3,852 |
| Noninterest expense to average assets | 1.3765% | 4,912 |
| Loan and lease loss provision to assets | 0.0542% | 3,627 |
| Net operating income to assets | 1.7162% | 605 |
| Return on assets (ROA) | 1.7162% | 660 |
| Pretax return on assets | 1.8092% | 800 |
| Return on Equity (ROE) | 13.7484% | 929 |
| Retained earnings to average equity (ytd only) | 8.3069% | 1,223 |
| Net charge-offs to loans | -0.0413% | 4,627 |
| Credit loss provision to net charge-offs | -160.5263% | 3,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4868% | 4,851 |
| Assets per employee ($millions) | 11.2933% | 360 |
| Cash dividends to net income (ytd only)* | 39.5789% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,562 |
| Loan loss allowance to noncurrent loans | 217.1053% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 2,203 |
| Noncurrent loans to loans | 0.6471% | 2,248 |
| Net loans and leases to total assets | 82.0273% | 413 |
| Net loans and leases to deposits | 94.0429% | 963 |
| Net loans and leases to core deposits | 100.1573% | 1,247 |
| Total domestic deposits to total assets | 87.2233% | 1,534 |
| Equity capital to assets | 12.5057% | 1,373 |
| Core capital (leverage) ratio | 12.5871% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,423,333 | 2,745 |
| Average earning assets | $216,760,333 | 2,658 |
| Average equity | $27,639,667 | 2,608 |
| Average total loans | $184,115,667 | 2,366 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 1,974 |
| Cost of funding earning assets | 1.5070% | 263 |
| Net interest margin | 3.1017% | 4,090 |
| Noninterest income to average assets | 0.1259% | 4,737 |
| Noninterest expense to average assets | 1.3795% | 4,971 |
| Loan and lease loss provision to assets | 0.0547% | 3,083 |
| Net operating income to assets | 1.6405% | 573 |
| Return on assets (ROA) | 1.6405% | 634 |
| Pretax return on assets | 1.7263% | 822 |
| Return on Equity (ROE) | 13.1546% | 851 |
| Retained earnings to average equity (ytd only) | 7.6528% | 1,330 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6490% | 4,888 |
| Assets per employee ($millions) | 10.7440% | 320 |
| Cash dividends to net income (ytd only)* | 41.8242% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 1,658 |
| Loan loss allowance to noncurrent loans | 1,863.0435% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 4,281 |
| Noncurrent loans to loans | 0.0758% | 4,212 |
| Net loans and leases to total assets | 83.5498% | 294 |
| Net loans and leases to deposits | 96.1957% | 889 |
| Net loans and leases to core deposits | 102.9362% | 1,250 |
| Total domestic deposits to total assets | 86.8540% | 1,622 |
| Equity capital to assets | 12.8272% | 1,535 |
| Core capital (leverage) ratio | 12.6138% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,202,500 | 2,717 |
| Average earning assets | $214,466,000 | 2,621 |
| Average equity | $27,336,500 | 2,616 |
| Average total loans | $182,218,000 | 2,337 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 1,305 |
| Cost of funding earning assets | 1.6287% | 266 |
| Net interest margin | 3.4330% | 3,642 |
| Noninterest income to average assets | 0.1524% | 4,730 |
| Noninterest expense to average assets | 1.4322% | 5,030 |
| Loan and lease loss provision to assets | 0.1119% | 1,871 |
| Net operating income to assets | 1.8600% | 469 |
| Return on assets (ROA) | 1.8600% | 488 |
| Pretax return on assets | 1.9621% | 649 |
| Return on Equity (ROE) | 15.4668% | 612 |
| Retained earnings to average equity (ytd only) | 9.9482% | 501 |
| Net charge-offs to loans | -0.0039% | 4,303 |
| Credit loss provision to net charge-offs | -3,428.5714% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8481% | 5,051 |
| Assets per employee ($millions) | 11.1763% | 280 |
| Cash dividends to net income (ytd only)* | 35.6803% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 1,549 |
| Loan loss allowance to noncurrent loans | 23,100.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,660 |
| Noncurrent loans to loans | 0.0060% | 4,576 |
| Net loans and leases to total assets | 80.4349% | 734 |
| Net loans and leases to deposits | 91.7330% | 1,399 |
| Net loans and leases to core deposits | 99.5774% | 1,597 |
| Total domestic deposits to total assets | 87.6838% | 1,282 |
| Equity capital to assets | 12.1283% | 2,057 |
| Core capital (leverage) ratio | 12.2239% | 1,640 |
| Tier 1 risk-based capital ratio | 13.3901% | 3,585 |
| Total risk-based capital ratio | 14.6401% | 3,471 |
| Memoranda: | ||
| Average total assets | $214,565,400 | 2,713 |
| Average earning assets | $209,612,600 | 2,606 |
| Average equity | $25,803,600 | 2,651 |
| Average total loans | $178,194,400 | 2,336 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 1,247 |
| Cost of funding earning assets | 1.6297% | 266 |
| Net interest margin | 3.4897% | 3,592 |
| Noninterest income to average assets | 0.1576% | 4,760 |
| Noninterest expense to average assets | 1.4248% | 5,101 |
| Loan and lease loss provision to assets | 0.1130% | 1,729 |
| Net operating income to assets | 1.9228% | 466 |
| Return on assets (ROA) | 1.9228% | 487 |
| Pretax return on assets | 2.0270% | 653 |
| Return on Equity (ROE) | 16.0245% | 600 |
| Retained earnings to average equity (ytd only) | 10.4405% | 641 |
| Net charge-offs to loans | -0.0045% | 4,181 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9683% | 5,126 |
| Assets per employee ($millions) | 10.7872% | 284 |
| Cash dividends to net income (ytd only)* | 34.8465% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 1,640 |
| Loan loss allowance to noncurrent loans | 1,131.9635% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 4,206 |
| Noncurrent loans to loans | 0.1222% | 4,104 |
| Net loans and leases to total assets | 81.8915% | 579 |
| Net loans and leases to deposits | 93.8398% | 1,233 |
| Net loans and leases to core deposits | 106.8187% | 1,124 |
| Total domestic deposits to total assets | 87.2673% | 1,393 |
| Equity capital to assets | 12.3466% | 2,009 |
| Core capital (leverage) ratio | 12.3353% | 1,666 |
| Tier 1 risk-based capital ratio | 13.6578% | 3,500 |
| Total risk-based capital ratio | 14.9080% | 3,407 |
| Memoranda: | ||
| Average total assets | $212,325,250 | 2,747 |
| Average earning assets | $207,307,750 | 2,655 |
| Average equity | $25,477,000 | 2,687 |
| Average total loans | $177,159,500 | 2,373 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1087% | 1,194 |
| Cost of funding earning assets | 1.6045% | 261 |
| Net interest margin | 3.5042% | 3,584 |
| Noninterest income to average assets | 0.1335% | 4,904 |
| Noninterest expense to average assets | 1.4206% | 5,149 |
| Loan and lease loss provision to assets | 0.1136% | 1,655 |
| Net operating income to assets | 1.9225% | 448 |
| Return on assets (ROA) | 1.9225% | 472 |
| Pretax return on assets | 2.0285% | 645 |
| Return on Equity (ROE) | 16.1815% | 565 |
| Retained earnings to average equity (ytd only) | 10.5379% | 630 |
| Net charge-offs to loans | -0.0057% | 4,165 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8724% | 5,163 |
| Assets per employee ($millions) | 10.7725% | 276 |
| Cash dividends to net income (ytd only)* | 34.8768% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 1,772 |
| Loan loss allowance to noncurrent loans | 368.1887% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 3,325 |
| Noncurrent loans to loans | 0.3697% | 3,201 |
| Net loans and leases to total assets | 81.3594% | 690 |
| Net loans and leases to deposits | 92.8319% | 1,396 |
| Net loans and leases to core deposits | 104.9742% | 1,306 |
| Total domestic deposits to total assets | 87.6416% | 1,269 |
| Equity capital to assets | 12.0409% | 2,153 |
| Core capital (leverage) ratio | 12.1168% | 1,748 |
| Tier 1 risk-based capital ratio | 13.1525% | 3,757 |
| Total risk-based capital ratio | 14.3918% | 3,669 |
| Memoranda: | ||
| Average total assets | $211,185,670 | 2,770 |
| Average earning assets | $206,667,000 | 2,669 |
| Average equity | $25,090,330 | 2,714 |
| Average total loans | $176,494,330 | 2,388 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0643% | 1,181 |
| Cost of funding earning assets | 1.5656% | 255 |
| Net interest margin | 3.4987% | 3,594 |
| Noninterest income to average assets | 0.1435% | 4,875 |
| Noninterest expense to average assets | 1.4216% | 5,209 |
| Loan and lease loss provision to assets | 0.1148% | 1,538 |
| Net operating income to assets | 1.9268% | 438 |
| Return on assets (ROA) | 1.9268% | 452 |
| Pretax return on assets | 2.0320% | 607 |
| Return on Equity (ROE) | 16.3312% | 552 |
| Retained earnings to average equity (ytd only) | 10.6388% | 892 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8391% | 5,212 |
| Assets per employee ($millions) | 10.4895% | 293 |
| Cash dividends to net income (ytd only)* | 34.8560% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 1,945 |
| Loan loss allowance to noncurrent loans | 2,587.9121% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 4,623 |
| Noncurrent loans to loans | 0.0515% | 4,536 |
| Net loans and leases to total assets | 83.1097% | 456 |
| Net loans and leases to deposits | 99.5967% | 666 |
| Net loans and leases to core deposits | 113.8429% | 748 |
| Total domestic deposits to total assets | 83.4462% | 3,238 |
| Equity capital to assets | 11.9196% | 2,075 |
| Core capital (leverage) ratio | 11.9222% | 1,820 |
| Tier 1 risk-based capital ratio | 13.1545% | 3,799 |
| Total risk-based capital ratio | 14.3932% | 3,713 |
| Memoranda: | ||
| Average total assets | $209,054,000 | 2,816 |
| Average earning assets | $204,648,500 | 2,720 |
| Average equity | $24,664,500 | 2,747 |
| Average total loans | $175,888,000 | 2,412 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 1,606 |
| Cost of funding earning assets | 1.2796% | 243 |
| Net interest margin | 3.4926% | 3,726 |
| Noninterest income to average assets | 0.1078% | 5,129 |
| Noninterest expense to average assets | 1.5044% | 5,224 |
| Loan and lease loss provision to assets | 0.1498% | 1,418 |
| Net operating income to assets | 1.7504% | 614 |
| Return on assets (ROA) | 1.7480% | 612 |
| Pretax return on assets | 1.8459% | 817 |
| Return on Equity (ROE) | 15.2030% | 778 |
| Retained earnings to average equity (ytd only) | 9.4839% | 739 |
| Net charge-offs to loans | 0.0709% | 2,103 |
| Credit loss provision to net charge-offs | 256.4103% | 1,168 |
| Earnings coverage of net charge-offs (x) | 34.2051% | 1,470 |
| Efficiency ratio | 42.9508% | 5,213 |
| Assets per employee ($millions) | 10.4160% | 304 |
| Cash dividends to net income (ytd only)* | 37.6178% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 1,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 82.9363% | 519 |
| Net loans and leases to deposits | 98.3755% | 861 |
| Net loans and leases to core deposits | 110.6881% | 960 |
| Total domestic deposits to total assets | 84.3058% | 2,907 |
| Equity capital to assets | 11.6758% | 2,115 |
| Core capital (leverage) ratio | 11.6919% | 1,957 |
| Tier 1 risk-based capital ratio | 12.8046% | 3,961 |
| Total risk-based capital ratio | 14.0084% | 3,867 |
| Memoranda: | ||
| Average total assets | $200,284,400 | 2,865 |
| Average earning assets | $194,670,600 | 2,766 |
| Average equity | $23,028,400 | 2,816 |
| Average total loans | $164,971,400 | 2,481 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 1,758 |
| Cost of funding earning assets | 1.2008% | 256 |
| Net interest margin | 3.4721% | 3,798 |
| Noninterest income to average assets | 0.0968% | 5,224 |
| Noninterest expense to average assets | 1.4780% | 5,292 |
| Loan and lease loss provision to assets | 0.1513% | 1,302 |
| Net operating income to assets | 1.7421% | 679 |
| Return on assets (ROA) | 1.7389% | 691 |
| Pretax return on assets | 1.8317% | 938 |
| Return on Equity (ROE) | 15.1859% | 837 |
| Retained earnings to average equity (ytd only) | 9.3899% | 1,078 |
| Net charge-offs to loans | 0.1001% | 1,490 |
| Credit loss provision to net charge-offs | 184.4262% | 1,477 |
| Earnings coverage of net charge-offs (x) | 24.2135% | 1,823 |
| Efficiency ratio | 42.6630% | 5,256 |
| Assets per employee ($millions) | 10.0337% | 329 |
| Cash dividends to net income (ytd only)* | 38.1672% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 1,984 |
| Loan loss allowance to noncurrent loans | 2,839.7436% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 4,789 |
| Noncurrent loans to loans | 0.0466% | 4,688 |
| Net loans and leases to total assets | 82.2178% | 677 |
| Net loans and leases to deposits | 103.3805% | 578 |
| Net loans and leases to core deposits | 111.0693% | 966 |
| Total domestic deposits to total assets | 79.5294% | 4,214 |
| Equity capital to assets | 11.5661% | 2,213 |
| Core capital (leverage) ratio | 11.9356% | 1,823 |
| Tier 1 risk-based capital ratio | 13.2492% | 3,760 |
| Total risk-based capital ratio | 14.4840% | 3,679 |
| Memoranda: | ||
| Average total assets | $198,275,750 | 2,907 |
| Average earning assets | $192,310,500 | 2,817 |
| Average equity | $22,704,750 | 2,856 |
| Average total loans | $162,447,750 | 2,513 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 1,734 |
| Cost of funding earning assets | 1.1508% | 227 |
| Net interest margin | 3.4650% | 3,753 |
| Noninterest income to average assets | 0.0901% | 5,295 |
| Noninterest expense to average assets | 1.4837% | 5,353 |
| Loan and lease loss provision to assets | 0.1519% | 1,248 |
| Net operating income to assets | 1.7106% | 704 |
| Return on assets (ROA) | 1.7106% | 706 |
| Pretax return on assets | 1.8088% | 941 |
| Return on Equity (ROE) | 14.9891% | 854 |
| Retained earnings to average equity (ytd only) | 9.1497% | 1,168 |
| Net charge-offs to loans | -0.0671% | 5,024 |
| Credit loss provision to net charge-offs | -277.7778% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0756% | 5,307 |
| Assets per employee ($millions) | 10.4328% | 281 |
| Cash dividends to net income (ytd only)* | 38.9580% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,675 |
| Loan loss allowance to noncurrent loans | 1,071.7593% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 4,450 |
| Noncurrent loans to loans | 0.1327% | 4,309 |
| Net loans and leases to total assets | 80.9689% | 861 |
| Net loans and leases to deposits | 97.4493% | 1,003 |
| Net loans and leases to core deposits | 105.7745% | 1,256 |
| Total domestic deposits to total assets | 83.0882% | 3,387 |
| Equity capital to assets | 11.6102% | 2,117 |
| Core capital (leverage) ratio | 11.7012% | 1,909 |
| Tier 1 risk-based capital ratio | 13.2389% | 3,768 |
| Total risk-based capital ratio | 14.4898% | 3,689 |
| Memoranda: | ||
| Average total assets | $197,476,670 | 2,926 |
| Average earning assets | $191,170,000 | 2,840 |
| Average equity | $22,536,330 | 2,879 |
| Average total loans | $160,862,330 | 2,541 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 1,651 |
| Cost of funding earning assets | 1.0858% | 244 |
| Net interest margin | 3.4879% | 3,573 |
| Noninterest income to average assets | 0.0568% | 5,457 |
| Noninterest expense to average assets | 1.5099% | 5,383 |
| Loan and lease loss provision to assets | 0.1522% | 1,187 |
| Net operating income to assets | 1.6722% | 724 |
| Return on assets (ROA) | 1.6722% | 729 |
| Pretax return on assets | 1.7717% | 963 |
| Return on Equity (ROE) | 14.7819% | 841 |
| Retained earnings to average equity (ytd only) | 8.8799% | 1,505 |
| Net charge-offs to loans | -0.1326% | 5,294 |
| Credit loss provision to net charge-offs | -141.5094% | 3,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9716% | 5,346 |
| Assets per employee ($millions) | 10.4135% | 280 |
| Cash dividends to net income (ytd only)* | 39.9272% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 1,868 |
| Loan loss allowance to noncurrent loans | 1,113.9303% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 4,576 |
| Noncurrent loans to loans | 0.1251% | 4,403 |
| Net loans and leases to total assets | 80.0760% | 921 |
| Net loans and leases to deposits | 95.1299% | 1,116 |
| Net loans and leases to core deposits | 107.8236% | 1,137 |
| Total domestic deposits to total assets | 84.1754% | 3,254 |
| Equity capital to assets | 11.2986% | 2,304 |
| Core capital (leverage) ratio | 11.6012% | 1,931 |
| Tier 1 risk-based capital ratio | 12.9327% | 3,987 |
| Total risk-based capital ratio | 14.1836% | 3,876 |
| Memoranda: | ||
| Average total assets | $197,103,500 | 2,956 |
| Average earning assets | $190,832,000 | 2,871 |
| Average equity | $22,297,500 | 2,932 |
| Average total loans | $159,886,500 | 2,567 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 1,805 |
| Cost of funding earning assets | 0.9026% | 369 |
| Net interest margin | 3.5708% | 3,265 |
| Noninterest income to average assets | 0.1797% | 5,057 |
| Noninterest expense to average assets | 1.4731% | 5,489 |
| Loan and lease loss provision to assets | 0.2278% | 859 |
| Net operating income to assets | 1.8495% | 374 |
| Return on assets (ROA) | 1.8495% | 381 |
| Pretax return on assets | 1.9448% | 552 |
| Return on Equity (ROE) | 17.1441% | 380 |
| Retained earnings to average equity (ytd only) | 11.0102% | 248 |
| Net charge-offs to loans | 0.1189% | 1,856 |
| Credit loss provision to net charge-offs | 240.4372% | 1,151 |
| Earnings coverage of net charge-offs (x) | 22.9290% | 1,835 |
| Efficiency ratio | 40.4062% | 5,522 |
| Assets per employee ($millions) | 10.3342% | 286 |
| Cash dividends to net income (ytd only)* | 35.7783% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 2,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 4,828 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.9521% | 962 |
| Net loans and leases to deposits | 94.4282% | 1,230 |
| Net loans and leases to core deposits | 107.0094% | 1,210 |
| Total domestic deposits to total assets | 84.6697% | 2,962 |
| Equity capital to assets | 11.3267% | 2,343 |
| Core capital (leverage) ratio | 11.4217% | 1,999 |
| Tier 1 risk-based capital ratio | 12.8817% | 3,984 |
| Total risk-based capital ratio | 14.1090% | 3,892 |
| Memoranda: | ||
| Average total assets | $193,135,200 | 2,983 |
| Average earning assets | $187,465,600 | 2,886 |
| Average equity | $20,835,200 | 3,048 |
| Average total loans | $153,879,000 | 2,614 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 1,895 |
| Cost of funding earning assets | 0.8743% | 404 |
| Net interest margin | 3.5463% | 3,331 |
| Noninterest income to average assets | 0.1837% | 5,098 |
| Noninterest expense to average assets | 1.4648% | 5,542 |
| Loan and lease loss provision to assets | 0.2426% | 722 |
| Net operating income to assets | 1.8176% | 453 |
| Return on assets (ROA) | 1.8176% | 462 |
| Pretax return on assets | 1.9182% | 657 |
| Return on Equity (ROE) | 17.0665% | 412 |
| Retained earnings to average equity (ytd only) | 10.8244% | 437 |
| Net charge-offs to loans | 0.1486% | 1,351 |
| Credit loss provision to net charge-offs | 205.8824% | 1,318 |
| Earnings coverage of net charge-offs (x) | 18.3354% | 2,055 |
| Efficiency ratio | 40.4015% | 5,574 |
| Assets per employee ($millions) | 11.3902% | 209 |
| Cash dividends to net income (ytd only)* | 36.5750% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 2,331 |
| Loan loss allowance to noncurrent loans | 186.0933% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6321% | 2,613 |
| Noncurrent loans to loans | 0.7013% | 2,605 |
| Net loans and leases to total assets | 79.4379% | 1,061 |
| Net loans and leases to deposits | 94.0076% | 1,304 |
| Net loans and leases to core deposits | 106.2587% | 1,255 |
| Total domestic deposits to total assets | 84.5016% | 2,918 |
| Equity capital to assets | 11.0694% | 2,796 |
| Core capital (leverage) ratio | 11.2034% | 2,274 |
| Tier 1 risk-based capital ratio | 12.8220% | 4,126 |
| Total risk-based capital ratio | 14.0329% | 4,051 |
| Memoranda: | ||
| Average total assets | $192,331,500 | 3,020 |
| Average earning assets | $186,668,500 | 2,924 |
| Average equity | $20,484,000 | 3,104 |
| Average total loans | $152,574,250 | 2,642 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 2,194 |
| Cost of funding earning assets | 0.8287% | 452 |
| Net interest margin | 3.4522% | 3,582 |
| Noninterest income to average assets | 0.1313% | 5,394 |
| Noninterest expense to average assets | 1.4445% | 5,608 |
| Loan and lease loss provision to assets | 0.2710% | 587 |
| Net operating income to assets | 1.6821% | 583 |
| Return on assets (ROA) | 1.6821% | 599 |
| Pretax return on assets | 1.7676% | 906 |
| Return on Equity (ROE) | 16.0061% | 528 |
| Retained earnings to average equity (ytd only) | 9.6691% | 653 |
| Net charge-offs to loans | 0.3882% | 528 |
| Credit loss provision to net charge-offs | 88.4354% | 2,161 |
| Earnings coverage of net charge-offs (x) | 6.6531% | 2,681 |
| Efficiency ratio | 41.4722% | 5,591 |
| Assets per employee ($millions) | 10.6581% | 253 |
| Cash dividends to net income (ytd only)* | 39.5911% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 3,038 |
| Loan loss allowance to noncurrent loans | 102.5338% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9862% | 1,778 |
| Noncurrent loans to loans | 1.1666% | 1,681 |
| Net loans and leases to total assets | 78.4040% | 1,176 |
| Net loans and leases to deposits | 92.1418% | 1,472 |
| Net loans and leases to core deposits | 103.9589% | 1,353 |
| Total domestic deposits to total assets | 85.0906% | 2,774 |
| Equity capital to assets | 10.8300% | 3,001 |
| Core capital (leverage) ratio | 10.9131% | 2,486 |
| Tier 1 risk-based capital ratio | 12.6157% | 4,233 |
| Total risk-based capital ratio | 13.7163% | 4,215 |
| Memoranda: | ||
| Average total assets | $191,897,670 | 3,039 |
| Average earning assets | $186,317,000 | 2,946 |
| Average equity | $20,167,330 | 3,143 |
| Average total loans | $151,481,670 | 2,667 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0215% | 2,954 |
| Cost of funding earning assets | 0.7889% | 525 |
| Net interest margin | 3.2326% | 4,235 |
| Noninterest income to average assets | 0.1438% | 5,395 |
| Noninterest expense to average assets | 1.4089% | 5,686 |
| Loan and lease loss provision to assets | 0.3543% | 332 |
| Net operating income to assets | 1.4589% | 876 |
| Return on assets (ROA) | 1.4589% | 901 |
| Pretax return on assets | 1.5235% | 1,463 |
| Return on Equity (ROE) | 14.0969% | 790 |
| Retained earnings to average equity (ytd only) | 7.6728% | 1,584 |
| Net charge-offs to loans | 0.7862% | 214 |
| Credit loss provision to net charge-offs | 57.2391% | 1,931 |
| Earnings coverage of net charge-offs (x) | 3.0337% | 2,518 |
| Efficiency ratio | 42.8662% | 5,630 |
| Assets per employee ($millions) | 11.3368% | 200 |
| Cash dividends to net income (ytd only)* | 45.5714% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,458 |
| Loan loss allowance to noncurrent loans | 41.8667% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 2.2005% | 569 |
| Noncurrent loans to loans | 2.7300% | 543 |
| Net loans and leases to total assets | 77.5047% | 1,197 |
| Net loans and leases to deposits | 93.5153% | 1,164 |
| Net loans and leases to core deposits | 104.4027% | 1,201 |
| Total domestic deposits to total assets | 82.8792% | 3,890 |
| Equity capital to assets | 10.4205% | 3,270 |
| Core capital (leverage) ratio | 10.6387% | 2,754 |
| Tier 1 risk-based capital ratio | 12.1157% | 4,640 |
| Total risk-based capital ratio | 13.1568% | 4,678 |
| Memoranda: | ||
| Average total assets | $191,923,500 | 3,073 |
| Average earning assets | $186,596,500 | 2,979 |
| Average equity | $19,862,500 | 3,186 |
| Average total loans | $151,104,500 | 2,687 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,272 |
| Cost of funding earning assets | 0.7963% | 517 |
| Net interest margin | 3.4640% | 3,566 |
| Noninterest income to average assets | 0.1418% | 5,481 |
| Noninterest expense to average assets | 1.4961% | 5,722 |
| Loan and lease loss provision to assets | 0.2130% | 1,061 |
| Net operating income to assets | 1.7025% | 543 |
| Return on assets (ROA) | 1.7097% | 559 |
| Pretax return on assets | 1.7976% | 806 |
| Return on Equity (ROE) | 16.8431% | 427 |
| Retained earnings to average equity (ytd only) | 10.4512% | 359 |
| Net charge-offs to loans | 0.0382% | 3,264 |
| Credit loss provision to net charge-offs | 718.1818% | 502 |
| Earnings coverage of net charge-offs (x) | 67.5273% | 817 |
| Efficiency ratio | 42.7559% | 5,732 |
| Assets per employee ($millions) | 10.6179% | 255 |
| Cash dividends to net income (ytd only)* | 37.9495% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,958 |
| Loan loss allowance to noncurrent loans | 47.8822% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 2.0866% | 639 |
| Noncurrent loans to loans | 2.5624% | 605 |
| Net loans and leases to total assets | 78.0951% | 1,186 |
| Net loans and leases to deposits | 92.4261% | 1,387 |
| Net loans and leases to core deposits | 102.9699% | 1,362 |
| Total domestic deposits to total assets | 84.4947% | 3,239 |
| Equity capital to assets | 10.2772% | 3,416 |
| Core capital (leverage) ratio | 10.5276% | 2,852 |
| Tier 1 risk-based capital ratio | 11.8995% | 4,797 |
| Total risk-based capital ratio | 13.0235% | 4,779 |
| Memoranda: | ||
| Average total assets | $185,415,800 | 3,105 |
| Average earning assets | $179,705,800 | 3,021 |
| Average equity | $18,820,800 | 3,295 |
| Average total loans | $143,934,800 | 2,729 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,233 |
| Cost of funding earning assets | 0.7989% | 511 |
| Net interest margin | 3.4790% | 3,546 |
| Noninterest income to average assets | 0.1406% | 5,555 |
| Noninterest expense to average assets | 1.4630% | 5,784 |
| Loan and lease loss provision to assets | 0.2211% | 937 |
| Net operating income to assets | 1.7238% | 571 |
| Return on assets (ROA) | 1.7335% | 591 |
| Pretax return on assets | 1.8321% | 839 |
| Return on Equity (ROE) | 17.2032% | 427 |
| Retained earnings to average equity (ytd only) | 10.7133% | 457 |
| Net charge-offs to loans | 0.0450% | 2,744 |
| Credit loss provision to net charge-offs | 635.4167% | 593 |
| Earnings coverage of net charge-offs (x) | 58.7069% | 977 |
| Efficiency ratio | 41.7287% | 5,791 |
| Assets per employee ($millions) | 10.2802% | 276 |
| Cash dividends to net income (ytd only)* | 37.7249% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 3,125 |
| Loan loss allowance to noncurrent loans | 45.8021% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.1546% | 695 |
| Noncurrent loans to loans | 2.6615% | 625 |
| Net loans and leases to total assets | 77.6415% | 1,255 |
| Net loans and leases to deposits | 88.6792% | 1,934 |
| Net loans and leases to core deposits | 98.7246% | 1,750 |
| Total domestic deposits to total assets | 87.5532% | 1,638 |
| Equity capital to assets | 10.3003% | 3,805 |
| Core capital (leverage) ratio | 10.3511% | 3,154 |
| Tier 1 risk-based capital ratio | 11.9543% | 4,816 |
| Total risk-based capital ratio | 13.0665% | 4,803 |
| Memoranda: | ||
| Average total assets | $183,904,750 | 3,131 |
| Average earning assets | $177,898,750 | 3,043 |
| Average equity | $18,531,000 | 3,364 |
| Average total loans | $142,140,750 | 2,754 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 2,275 |
| Cost of funding earning assets | 0.7916% | 516 |
| Net interest margin | 3.4733% | 3,597 |
| Noninterest income to average assets | 0.1417% | 5,604 |
| Noninterest expense to average assets | 1.4461% | 5,879 |
| Loan and lease loss provision to assets | 0.2289% | 889 |
| Net operating income to assets | 1.7228% | 557 |
| Return on assets (ROA) | 1.7371% | 569 |
| Pretax return on assets | 1.8384% | 804 |
| Return on Equity (ROE) | 17.3689% | 406 |
| Retained earnings to average equity (ytd only) | 10.8201% | 459 |
| Net charge-offs to loans | -0.0043% | 4,488 |
| Credit loss provision to net charge-offs | -7,000.0000% | 5,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3396% | 5,880 |
| Assets per employee ($millions) | 10.2093% | 265 |
| Cash dividends to net income (ytd only)* | 37.7039% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 3,181 |
| Loan loss allowance to noncurrent loans | 69.9878% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.4067% | 1,396 |
| Noncurrent loans to loans | 1.7599% | 1,193 |
| Net loans and leases to total assets | 75.4038% | 1,578 |
| Net loans and leases to deposits | 84.2497% | 2,435 |
| Net loans and leases to core deposits | 93.7505% | 2,192 |
| Total domestic deposits to total assets | 89.5003% | 682 |
| Equity capital to assets | 10.2885% | 3,879 |
| Core capital (leverage) ratio | 10.3055% | 3,191 |
| Tier 1 risk-based capital ratio | 11.9359% | 4,869 |
| Total risk-based capital ratio | 13.0276% | 4,867 |
| Memoranda: | ||
| Average total assets | $183,525,000 | 3,148 |
| Average earning assets | $177,353,330 | 3,067 |
| Average equity | $18,354,670 | 3,390 |
| Average total loans | $141,039,670 | 2,770 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 2,046 |
| Cost of funding earning assets | 0.7771% | 555 |
| Net interest margin | 3.5487% | 3,288 |
| Noninterest income to average assets | 0.1374% | 5,662 |
| Noninterest expense to average assets | 1.4416% | 5,943 |
| Loan and lease loss provision to assets | 0.2290% | 810 |
| Net operating income to assets | 1.7884% | 479 |
| Return on assets (ROA) | 1.7884% | 513 |
| Pretax return on assets | 1.8931% | 705 |
| Return on Equity (ROE) | 18.1431% | 343 |
| Retained earnings to average equity (ytd only) | 11.4833% | 581 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4529% | 5,954 |
| Assets per employee ($millions) | 10.0984% | 266 |
| Cash dividends to net income (ytd only)* | 36.7073% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 3,738 |
| Loan loss allowance to noncurrent loans | 67.6409% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.3176% | 1,628 |
| Noncurrent loans to loans | 1.7067% | 1,320 |
| Net loans and leases to total assets | 76.3088% | 1,343 |
| Net loans and leases to deposits | 86.7023% | 1,982 |
| Net loans and leases to core deposits | 95.6297% | 1,833 |
| Total domestic deposits to total assets | 88.0125% | 1,631 |
| Equity capital to assets | 10.1275% | 3,919 |
| Core capital (leverage) ratio | 10.1541% | 3,363 |
| Tier 1 risk-based capital ratio | 11.7533% | 5,077 |
| Total risk-based capital ratio | 12.7866% | 5,117 |
| Memoranda: | ||
| Average total assets | $183,403,500 | 3,169 |
| Average earning assets | $177,079,500 | 3,085 |
| Average equity | $18,078,500 | 3,425 |
| Average total loans | $141,411,500 | 2,755 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 2,097 |
| Cost of funding earning assets | 0.7374% | 679 |
| Net interest margin | 3.6015% | 3,130 |
| Noninterest income to average assets | 0.1393% | 5,717 |
| Noninterest expense to average assets | 1.4500% | 6,007 |
| Loan and lease loss provision to assets | 0.2957% | 586 |
| Net operating income to assets | 1.8032% | 483 |
| Return on assets (ROA) | 1.8032% | 491 |
| Pretax return on assets | 1.8955% | 662 |
| Return on Equity (ROE) | 19.6421% | 266 |
| Retained earnings to average equity (ytd only) | 13.5303% | 182 |
| Net charge-offs to loans | 0.3983% | 720 |
| Credit loss provision to net charge-offs | 97.0962% | 2,612 |
| Earnings coverage of net charge-offs (x) | 7.1942% | 3,109 |
| Efficiency ratio | 39.8209% | 6,068 |
| Assets per employee ($millions) | 10.2797% | 244 |
| Cash dividends to net income (ytd only)* | 31.1159% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 4,243 |
| Loan loss allowance to noncurrent loans | 365.0602% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 4,692 |
| Noncurrent loans to loans | 0.2912% | 4,418 |
| Net loans and leases to total assets | 76.1910% | 1,380 |
| Net loans and leases to deposits | 86.8890% | 2,016 |
| Net loans and leases to core deposits | 95.8376% | 1,869 |
| Total domestic deposits to total assets | 87.6877% | 1,799 |
| Equity capital to assets | 9.5917% | 4,447 |
| Core capital (leverage) ratio | 9.7897% | 3,789 |
| Tier 1 risk-based capital ratio | 11.8305% | 5,050 |
| Total risk-based capital ratio | 12.8314% | 5,111 |
| Memoranda: | ||
| Average total assets | $180,899,200 | 3,153 |
| Average earning assets | $175,899,400 | 3,041 |
| Average equity | $16,607,200 | 3,583 |
| Average total loans | $138,351,800 | 2,749 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 2,169 |
| Cost of funding earning assets | 0.7255% | 730 |
| Net interest margin | 3.5942% | 3,186 |
| Noninterest income to average assets | 0.1423% | 5,770 |
| Noninterest expense to average assets | 1.4003% | 6,102 |
| Loan and lease loss provision to assets | 0.3743% | 344 |
| Net operating income to assets | 1.7783% | 545 |
| Return on assets (ROA) | 1.7783% | 564 |
| Pretax return on assets | 1.8710% | 765 |
| Return on Equity (ROE) | 19.5968% | 296 |
| Retained earnings to average equity (ytd only) | 13.3804% | 249 |
| Net charge-offs to loans | 0.4476% | 569 |
| Credit loss provision to net charge-offs | 109.5445% | 2,118 |
| Earnings coverage of net charge-offs (x) | 6.5705% | 3,032 |
| Efficiency ratio | 38.4099% | 6,157 |
| Assets per employee ($millions) | 10.1431% | 255 |
| Cash dividends to net income (ytd only)* | 31.7215% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 4,130 |
| Loan loss allowance to noncurrent loans | 154.4118% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 3,631 |
| Noncurrent loans to loans | 0.7235% | 3,165 |
| Net loans and leases to total assets | 76.3538% | 1,339 |
| Net loans and leases to deposits | 90.3935% | 1,593 |
| Net loans and leases to core deposits | 99.8947% | 1,527 |
| Total domestic deposits to total assets | 84.4683% | 3,232 |
| Equity capital to assets | 9.4159% | 4,868 |
| Core capital (leverage) ratio | 9.5832% | 4,194 |
| Tier 1 risk-based capital ratio | 11.5238% | 5,359 |
| Total risk-based capital ratio | 12.5731% | 5,384 |
| Memoranda: | ||
| Average total assets | $179,865,250 | 3,189 |
| Average earning assets | $175,317,250 | 3,073 |
| Average equity | $16,322,000 | 3,658 |
| Average total loans | $137,316,000 | 2,777 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,157 |
| Cost of funding earning assets | 0.7176% | 773 |
| Net interest margin | 3.5856% | 3,148 |
| Noninterest income to average assets | 0.1419% | 5,856 |
| Noninterest expense to average assets | 1.4048% | 6,170 |
| Loan and lease loss provision to assets | 0.3129% | 466 |
| Net operating income to assets | 1.8361% | 475 |
| Return on assets (ROA) | 1.8361% | 501 |
| Pretax return on assets | 1.9200% | 710 |
| Return on Equity (ROE) | 20.4961% | 248 |
| Retained earnings to average equity (ytd only) | 14.1589% | 228 |
| Net charge-offs to loans | 0.6760% | 339 |
| Credit loss provision to net charge-offs | 60.8696% | 2,582 |
| Earnings coverage of net charge-offs (x) | 4.3435% | 3,052 |
| Efficiency ratio | 38.6175% | 6,231 |
| Assets per employee ($millions) | 10.0966% | 256 |
| Cash dividends to net income (ytd only)* | 30.9191% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 4,999 |
| Loan loss allowance to noncurrent loans | 189.8876% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 4,334 |
| Noncurrent loans to loans | 0.5113% | 3,920 |
| Net loans and leases to total assets | 75.8724% | 1,381 |
| Net loans and leases to deposits | 90.4505% | 1,538 |
| Net loans and leases to core deposits | 98.1326% | 1,644 |
| Total domestic deposits to total assets | 83.8828% | 3,622 |
| Equity capital to assets | 9.0790% | 5,165 |
| Core capital (leverage) ratio | 9.3145% | 4,532 |
| Tier 1 risk-based capital ratio | 11.2598% | 5,595 |
| Total risk-based capital ratio | 12.1663% | 5,669 |
| Memoranda: | ||
| Average total assets | $178,962,000 | 3,230 |
| Average earning assets | $174,478,000 | 3,099 |
| Average equity | $16,032,330 | 3,717 |
| Average total loans | $136,095,330 | 2,810 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 2,155 |
| Cost of funding earning assets | 0.7064% | 831 |
| Net interest margin | 3.5760% | 3,096 |
| Noninterest income to average assets | 0.1397% | 5,910 |
| Noninterest expense to average assets | 1.3876% | 6,239 |
| Loan and lease loss provision to assets | 0.2365% | 724 |
| Net operating income to assets | 1.8944% | 407 |
| Return on assets (ROA) | 1.8944% | 432 |
| Pretax return on assets | 2.0048% | 579 |
| Return on Equity (ROE) | 21.2932% | 214 |
| Retained earnings to average equity (ytd only) | 14.8622% | 297 |
| Net charge-offs to loans | -0.0059% | 4,546 |
| Credit loss provision to net charge-offs | -5,250.0000% | 5,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2371% | 6,302 |
| Assets per employee ($millions) | 9.8027% | 274 |
| Cash dividends to net income (ytd only)* | 30.2021% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 3,842 |
| Loan loss allowance to noncurrent loans | 468.0000% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 5,160 |
| Noncurrent loans to loans | 0.2605% | 4,852 |
| Net loans and leases to total assets | 75.2063% | 1,322 |
| Net loans and leases to deposits | 85.0968% | 1,942 |
| Net loans and leases to core deposits | 92.5009% | 1,909 |
| Total domestic deposits to total assets | 88.3773% | 1,609 |
| Equity capital to assets | 9.1670% | 5,125 |
| Core capital (leverage) ratio | 9.1495% | 4,791 |
| Tier 1 risk-based capital ratio | 11.4002% | 5,605 |
| Total risk-based capital ratio | 12.5496% | 5,570 |
| Memoranda: | ||
| Average total assets | $177,574,000 | 3,270 |
| Average earning assets | $173,268,000 | 3,132 |
| Average equity | $15,798,500 | 3,779 |
| Average total loans | $134,522,500 | 2,839 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3528% | 2,400 |
| Cost of funding earning assets | 0.7403% | 894 |
| Net interest margin | 3.6125% | 3,368 |
| Noninterest income to average assets | 0.1531% | 5,930 |
| Noninterest expense to average assets | 1.5194% | 6,286 |
| Loan and lease loss provision to assets | 0.2501% | 909 |
| Net operating income to assets | 1.7931% | 483 |
| Return on assets (ROA) | 1.7966% | 494 |
| Pretax return on assets | 1.8900% | 656 |
| Return on Equity (ROE) | 21.1134% | 203 |
| Retained earnings to average equity (ytd only) | 14.2007% | 166 |
| Net charge-offs to loans | 0.1680% | 2,352 |
| Credit loss provision to net charge-offs | 202.4390% | 1,217 |
| Earnings coverage of net charge-offs (x) | 17.2927% | 1,933 |
| Efficiency ratio | 41.5595% | 6,373 |
| Assets per employee ($millions) | 9.9278% | 258 |
| Cash dividends to net income (ytd only)* | 32.7407% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 4,355 |
| Loan loss allowance to noncurrent loans | 1,093.5714% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 5,716 |
| Noncurrent loans to loans | 0.1039% | 5,478 |
| Net loans and leases to total assets | 74.5249% | 1,494 |
| Net loans and leases to deposits | 87.2404% | 1,821 |
| Net loans and leases to core deposits | 94.2032% | 1,902 |
| Total domestic deposits to total assets | 85.4247% | 3,114 |
| Equity capital to assets | 8.6301% | 5,625 |
| Core capital (leverage) ratio | 9.1119% | 4,806 |
| Tier 1 risk-based capital ratio | 10.8251% | 5,977 |
| Total risk-based capital ratio | 11.8835% | 5,989 |
| Memoranda: | ||
| Average total assets | $165,926,200 | 3,398 |
| Average earning assets | $160,885,800 | 3,269 |
| Average equity | $14,119,000 | 4,005 |
| Average total loans | $122,037,800 | 3,003 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 2,364 |
| Cost of funding earning assets | 0.7472% | 901 |
| Net interest margin | 3.6192% | 3,351 |
| Noninterest income to average assets | 0.1540% | 5,992 |
| Noninterest expense to average assets | 1.5239% | 6,341 |
| Loan and lease loss provision to assets | 0.3154% | 597 |
| Net operating income to assets | 1.7247% | 587 |
| Return on assets (ROA) | 1.7247% | 608 |
| Pretax return on assets | 1.8189% | 855 |
| Return on Equity (ROE) | 20.3476% | 263 |
| Retained earnings to average equity (ytd only) | 13.2719% | 298 |
| Net charge-offs to loans | 0.2299% | 1,667 |
| Credit loss provision to net charge-offs | 187.8049% | 1,337 |
| Earnings coverage of net charge-offs (x) | 12.7072% | 2,293 |
| Efficiency ratio | 41.6573% | 6,422 |
| Assets per employee ($millions) | 9.3471% | 290 |
| Cash dividends to net income (ytd only)* | 34.7745% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 4,159 |
| Loan loss allowance to noncurrent loans | 777.7202% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 5,704 |
| Noncurrent loans to loans | 0.1560% | 5,440 |
| Net loans and leases to total assets | 72.6545% | 1,734 |
| Net loans and leases to deposits | 85.8058% | 1,927 |
| Net loans and leases to core deposits | 92.5261% | 1,991 |
| Total domestic deposits to total assets | 84.6731% | 3,468 |
| Equity capital to assets | 8.7276% | 5,622 |
| Core capital (leverage) ratio | 9.1800% | 4,811 |
| Tier 1 risk-based capital ratio | 11.2406% | 5,899 |
| Total risk-based capital ratio | 12.3634% | 5,899 |
| Memoranda: | ||
| Average total assets | $162,732,750 | 3,476 |
| Average earning assets | $157,563,500 | 3,338 |
| Average equity | $13,793,250 | 4,080 |
| Average total loans | $118,870,500 | 3,081 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3861% | 2,225 |
| Cost of funding earning assets | 0.7527% | 912 |
| Net interest margin | 3.6334% | 3,216 |
| Noninterest income to average assets | 0.1479% | 6,075 |
| Noninterest expense to average assets | 1.5252% | 6,404 |
| Loan and lease loss provision to assets | 0.4413% | 369 |
| Net operating income to assets | 1.6010% | 702 |
| Return on assets (ROA) | 1.6010% | 731 |
| Pretax return on assets | 1.6918% | 1,034 |
| Return on Equity (ROE) | 19.0867% | 356 |
| Retained earnings to average equity (ytd only) | 11.8551% | 439 |
| Net charge-offs to loans | 0.3463% | 1,180 |
| Credit loss provision to net charge-offs | 174.8768% | 1,303 |
| Earnings coverage of net charge-offs (x) | 8.4532% | 2,492 |
| Efficiency ratio | 41.6922% | 6,489 |
| Assets per employee ($millions) | 9.0951% | 317 |
| Cash dividends to net income (ytd only)* | 37.8882% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 4,262 |
| Loan loss allowance to noncurrent loans | 186.4557% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 4,559 |
| Noncurrent loans to loans | 0.6612% | 4,055 |
| Net loans and leases to total assets | 72.0874% | 1,730 |
| Net loans and leases to deposits | 81.2468% | 2,354 |
| Net loans and leases to core deposits | 88.0840% | 2,308 |
| Total domestic deposits to total assets | 88.7265% | 1,517 |
| Equity capital to assets | 8.6213% | 5,692 |
| Core capital (leverage) ratio | 8.9340% | 5,109 |
| Tier 1 risk-based capital ratio | 11.1610% | 5,981 |
| Total risk-based capital ratio | 12.2984% | 5,972 |
| Memoranda: | ||
| Average total assets | $160,894,670 | 3,523 |
| Average earning assets | $155,446,000 | 3,388 |
| Average equity | $13,496,330 | 4,132 |
| Average total loans | $117,247,330 | 3,118 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 2,239 |
| Cost of funding earning assets | 0.7587% | 933 |
| Net interest margin | 3.6190% | 3,176 |
| Noninterest income to average assets | 0.1254% | 6,221 |
| Noninterest expense to average assets | 1.5374% | 6,467 |
| Loan and lease loss provision to assets | 0.8151% | 144 |
| Net operating income to assets | 1.1738% | 1,555 |
| Return on assets (ROA) | 1.1738% | 1,623 |
| Pretax return on assets | 1.2540% | 2,267 |
| Return on Equity (ROE) | 14.1953% | 910 |
| Retained earnings to average equity (ytd only) | 6.8550% | 2,111 |
| Net charge-offs to loans | 0.7096% | 502 |
| Credit loss provision to net charge-offs | 157.7670% | 1,217 |
| Earnings coverage of net charge-offs (x) | 4.0049% | 2,586 |
| Efficiency ratio | 42.6287% | 6,532 |
| Assets per employee ($millions) | 8.9281% | 344 |
| Cash dividends to net income (ytd only)* | 51.7094% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 4,513 |
| Loan loss allowance to noncurrent loans | 813.5593% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 5,739 |
| Noncurrent loans to loans | 0.1507% | 5,633 |
| Net loans and leases to total assets | 72.1813% | 1,550 |
| Net loans and leases to deposits | 80.5392% | 2,222 |
| Net loans and leases to core deposits | 87.3013% | 2,164 |
| Total domestic deposits to total assets | 89.6226% | 1,300 |
| Equity capital to assets | 8.3351% | 5,797 |
| Core capital (leverage) ratio | 8.8130% | 5,251 |
| Tier 1 risk-based capital ratio | 10.9990% | 6,156 |
| Total risk-based capital ratio | 12.1402% | 6,151 |
| Memoranda: | ||
| Average total assets | $159,486,500 | 3,567 |
| Average earning assets | $153,412,000 | 3,453 |
| Average equity | $13,187,500 | 4,203 |
| Average total loans | $116,127,000 | 3,153 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 2,229 |
| Cost of funding earning assets | 0.8693% | 867 |
| Net interest margin | 3.6248% | 3,355 |
| Noninterest income to average assets | 0.2014% | 5,876 |
| Noninterest expense to average assets | 1.5451% | 6,546 |
| Loan and lease loss provision to assets | 0.2717% | 1,299 |
| Net operating income to assets | 1.7903% | 493 |
| Return on assets (ROA) | 1.7406% | 554 |
| Pretax return on assets | 1.8300% | 703 |
| Return on Equity (ROE) | 21.0016% | 237 |
| Retained earnings to average equity (ytd only) | 13.3348% | 227 |
| Net charge-offs to loans | 0.3511% | 1,923 |
| Credit loss provision to net charge-offs | 107.6115% | 2,230 |
| Earnings coverage of net charge-offs (x) | 8.5328% | 2,655 |
| Efficiency ratio | 41.7697% | 6,656 |
| Assets per employee ($millions) | 8.7927% | 359 |
| Cash dividends to net income (ytd only)* | 36.5055% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 4,912 |
| Loan loss allowance to noncurrent loans | 1,420.4301% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 6,184 |
| Noncurrent loans to loans | 0.0810% | 5,973 |
| Net loans and leases to total assets | 71.7100% | 1,732 |
| Net loans and leases to deposits | 80.6237% | 2,368 |
| Net loans and leases to core deposits | 86.4407% | 2,398 |
| Total domestic deposits to total assets | 88.9441% | 1,666 |
| Equity capital to assets | 8.2013% | 5,872 |
| Core capital (leverage) ratio | 8.8178% | 5,249 |
| Tier 1 risk-based capital ratio | 10.9116% | 6,210 |
| Total risk-based capital ratio | 11.9674% | 6,244 |
| Memoranda: | ||
| Average total assets | $150,926,000 | 3,688 |
| Average earning assets | $145,635,200 | 3,577 |
| Average equity | $12,508,600 | 4,355 |
| Average total loans | $108,526,200 | 3,273 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 2,240 |
| Cost of funding earning assets | 0.8941% | 835 |
| Net interest margin | 3.6031% | 3,431 |
| Noninterest income to average assets | 0.1994% | 5,985 |
| Noninterest expense to average assets | 1.4836% | 6,648 |
| Loan and lease loss provision to assets | 0.2996% | 1,130 |
| Net operating income to assets | 1.8172% | 504 |
| Return on assets (ROA) | 1.8172% | 524 |
| Pretax return on assets | 1.9084% | 695 |
| Return on Equity (ROE) | 21.8653% | 209 |
| Retained earnings to average equity (ytd only) | 14.2038% | 239 |
| Net charge-offs to loans | 0.3889% | 1,648 |
| Credit loss provision to net charge-offs | 107.3718% | 2,185 |
| Earnings coverage of net charge-offs (x) | 7.9135% | 2,704 |
| Efficiency ratio | 40.1890% | 6,750 |
| Assets per employee ($millions) | 8.4801% | 386 |
| Cash dividends to net income (ytd only)* | 35.0393% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 4,904 |
| Loan loss allowance to noncurrent loans | 3,060.4651% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 6,395 |
| Noncurrent loans to loans | 0.0389% | 6,225 |
| Net loans and leases to total assets | 71.5157% | 1,676 |
| Net loans and leases to deposits | 81.6813% | 2,175 |
| Net loans and leases to core deposits | 87.3954% | 2,240 |
| Total domestic deposits to total assets | 87.5545% | 2,379 |
| Equity capital to assets | 8.3503% | 5,876 |
| Core capital (leverage) ratio | 8.8390% | 5,350 |
| Tier 1 risk-based capital ratio | 11.1930% | 6,192 |
| Total risk-based capital ratio | 12.3003% | 6,222 |
| Memoranda: | ||
| Average total assets | $149,090,500 | 3,762 |
| Average earning assets | $144,501,750 | 3,631 |
| Average equity | $12,390,750 | 4,415 |
| Average total loans | $106,954,000 | 3,327 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5275% | 2,096 |
| Cost of funding earning assets | 0.9348% | 765 |
| Net interest margin | 3.5926% | 3,392 |
| Noninterest income to average assets | 0.1988% | 6,013 |
| Noninterest expense to average assets | 1.4820% | 6,686 |
| Loan and lease loss provision to assets | 0.2502% | 1,486 |
| Net operating income to assets | 1.8579% | 460 |
| Return on assets (ROA) | 1.8579% | 495 |
| Pretax return on assets | 1.9431% | 677 |
| Return on Equity (ROE) | 22.3918% | 190 |
| Retained earnings to average equity (ytd only) | 14.7486% | 252 |
| Net charge-offs to loans | 0.5313% | 1,244 |
| Credit loss provision to net charge-offs | 65.8363% | 2,916 |
| Earnings coverage of net charge-offs (x) | 5.7722% | 2,832 |
| Efficiency ratio | 40.3238% | 6,793 |
| Assets per employee ($millions) | 8.3911% | 395 |
| Cash dividends to net income (ytd only)* | 34.1339% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 5,447 |
| Loan loss allowance to noncurrent loans | 920.7692% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 6,242 |
| Noncurrent loans to loans | 0.1194% | 6,032 |
| Net loans and leases to total assets | 71.3222% | 1,673 |
| Net loans and leases to deposits | 78.5861% | 2,507 |
| Net loans and leases to core deposits | 83.8954% | 2,576 |
| Total domestic deposits to total assets | 90.7568% | 642 |
| Equity capital to assets | 8.2309% | 6,035 |
| Core capital (leverage) ratio | 8.4867% | 5,686 |
| Tier 1 risk-based capital ratio | 11.0453% | 6,313 |
| Total risk-based capital ratio | 12.0710% | 6,376 |
| Memoranda: | ||
| Average total assets | $147,906,670 | 3,806 |
| Average earning assets | $143,125,670 | 3,675 |
| Average equity | $12,272,330 | 4,470 |
| Average total loans | $105,779,000 | 3,363 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 2,335 |
| Cost of funding earning assets | 0.9475% | 792 |
| Net interest margin | 3.5072% | 3,663 |
| Noninterest income to average assets | 0.1831% | 6,167 |
| Noninterest expense to average assets | 1.4541% | 6,778 |
| Loan and lease loss provision to assets | 0.2050% | 1,812 |
| Net operating income to assets | 1.8122% | 470 |
| Return on assets (ROA) | 1.8122% | 520 |
| Pretax return on assets | 1.9134% | 715 |
| Return on Equity (ROE) | 21.7511% | 211 |
| Retained earnings to average equity (ytd only) | 14.3695% | 412 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7039% | 6,857 |
| Assets per employee ($millions) | 8.3205% | 428 |
| Cash dividends to net income (ytd only)* | 33.9367% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,625 |
| Loan loss allowance to noncurrent loans | 478.3217% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 6,000 |
| Noncurrent loans to loans | 0.2746% | 5,718 |
| Net loans and leases to total assets | 68.6163% | 1,903 |
| Net loans and leases to deposits | 74.9914% | 2,773 |
| Net loans and leases to core deposits | 79.9580% | 2,810 |
| Total domestic deposits to total assets | 91.4989% | 356 |
| Equity capital to assets | 8.2808% | 6,202 |
| Core capital (leverage) ratio | 8.4326% | 5,661 |
| Tier 1 risk-based capital ratio | 10.5803% | 6,555 |
| Total risk-based capital ratio | 11.7454% | 6,561 |
| Memoranda: | ||
| Average total assets | $146,340,000 | 3,872 |
| Average earning assets | $141,422,500 | 3,740 |
| Average equity | $12,192,500 | 4,540 |
| Average total loans | $104,207,500 | 3,413 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7261% | 2,490 |
| Cost of funding earning assets | 1.1524% | 726 |
| Net interest margin | 3.5737% | 4,211 |
| Noninterest income to average assets | 0.2036% | 5,959 |
| Noninterest expense to average assets | 1.5820% | 6,820 |
| Loan and lease loss provision to assets | 0.2229% | 2,897 |
| Net operating income to assets | 1.7313% | 579 |
| Return on assets (ROA) | 1.7313% | 647 |
| Pretax return on assets | 1.8182% | 887 |
| Return on Equity (ROE) | 20.6982% | 277 |
| Retained earnings to average equity (ytd only) | 12.6766% | 272 |
| Net charge-offs to loans | 0.0611% | 5,085 |
| Credit loss provision to net charge-offs | 500.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 45.7833% | 716 |
| Efficiency ratio | 43.6628% | 6,857 |
| Assets per employee ($millions) | 8.4065% | 417 |
| Cash dividends to net income (ytd only)* | 38.7554% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 4,933 |
| Loan loss allowance to noncurrent loans | 5,387.5000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 6,634 |
| Noncurrent loans to loans | 0.0230% | 6,468 |
| Net loans and leases to total assets | 72.0644% | 1,477 |
| Net loans and leases to deposits | 78.8648% | 2,416 |
| Net loans and leases to core deposits | 84.1062% | 2,532 |
| Total domestic deposits to total assets | 91.3772% | 375 |
| Equity capital to assets | 8.3849% | 6,133 |
| Core capital (leverage) ratio | 8.4105% | 5,743 |
| Tier 1 risk-based capital ratio | 10.5775% | 6,525 |
| Total risk-based capital ratio | 11.7186% | 6,540 |
| Memoranda: | ||
| Average total assets | $134,580,600 | 4,047 |
| Average earning assets | $128,773,800 | 3,929 |
| Average equity | $11,257,000 | 4,711 |
| Average total loans | $98,122,400 | 3,568 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 2,459 |
| Cost of funding earning assets | 1.1998% | 689 |
| Net interest margin | 3.5815% | 4,316 |
| Noninterest income to average assets | 0.1992% | 6,103 |
| Noninterest expense to average assets | 1.5396% | 6,919 |
| Loan and lease loss provision to assets | 0.2767% | 2,358 |
| Net operating income to assets | 1.7087% | 672 |
| Return on assets (ROA) | 1.7087% | 747 |
| Pretax return on assets | 1.8073% | 1,029 |
| Return on Equity (ROE) | 20.4410% | 309 |
| Retained earnings to average equity (ytd only) | 12.2911% | 491 |
| Net charge-offs to loans | 0.0883% | 4,496 |
| Credit loss provision to net charge-offs | 429.6875% | 624 |
| Earnings coverage of net charge-offs (x) | 32.3598% | 1,036 |
| Efficiency ratio | 42.4882% | 6,949 |
| Assets per employee ($millions) | 7.9581% | 487 |
| Cash dividends to net income (ytd only)* | 39.8703% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,807 |
| Loan loss allowance to noncurrent loans | 1,581.2500% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 6,604 |
| Noncurrent loans to loans | 0.0823% | 6,410 |
| Net loans and leases to total assets | 70.8762% | 1,749 |
| Net loans and leases to deposits | 77.7653% | 2,695 |
| Net loans and leases to core deposits | 79.9431% | 3,212 |
| Total domestic deposits to total assets | 91.1411% | 377 |
| Equity capital to assets | 8.5514% | 6,220 |
| Core capital (leverage) ratio | 8.5142% | 5,728 |
| Tier 1 risk-based capital ratio | 10.7997% | 6,564 |
| Total risk-based capital ratio | 11.9796% | 6,577 |
| Memoranda: | ||
| Average total assets | $132,498,000 | 4,123 |
| Average earning assets | $126,685,500 | 4,004 |
| Average equity | $11,075,500 | 4,787 |
| Average total loans | $96,582,750 | 3,642 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,812 |
| Cost of funding earning assets | 1.2254% | 733 |
| Net interest margin | 3.5017% | 4,659 |
| Noninterest income to average assets | 0.1885% | 6,214 |
| Noninterest expense to average assets | 1.5171% | 6,994 |
| Loan and lease loss provision to assets | 0.2280% | 2,797 |
| Net operating income to assets | 1.6995% | 672 |
| Return on assets (ROA) | 1.6995% | 755 |
| Pretax return on assets | 1.8013% | 1,041 |
| Return on Equity (ROE) | 20.4931% | 322 |
| Retained earnings to average equity (ytd only) | 12.2262% | 547 |
| Net charge-offs to loans | -0.0041% | 6,142 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7775% | 6,993 |
| Assets per employee ($millions) | 7.6332% | 551 |
| Cash dividends to net income (ytd only)* | 40.3399% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 5,080 |
| Loan loss allowance to noncurrent loans | 4,303.5714% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 6,781 |
| Noncurrent loans to loans | 0.0293% | 6,616 |
| Net loans and leases to total assets | 68.6808% | 2,166 |
| Net loans and leases to deposits | 74.9871% | 3,129 |
| Net loans and leases to core deposits | 79.3618% | 3,312 |
| Total domestic deposits to total assets | 91.5901% | 295 |
| Equity capital to assets | 8.1784% | 6,473 |
| Core capital (leverage) ratio | 8.3170% | 5,885 |
| Tier 1 risk-based capital ratio | 11.2288% | 6,382 |
| Total risk-based capital ratio | 12.4342% | 6,389 |
| Memoranda: | ||
| Average total assets | $131,568,000 | 4,171 |
| Average earning assets | $126,168,000 | 4,029 |
| Average equity | $10,911,000 | 4,829 |
| Average total loans | $96,393,000 | 3,661 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 2,710 |
| Cost of funding earning assets | 1.2700% | 718 |
| Net interest margin | 3.5111% | 4,637 |
| Noninterest income to average assets | 0.1959% | 6,211 |
| Noninterest expense to average assets | 1.5048% | 7,058 |
| Loan and lease loss provision to assets | 0.2332% | 2,616 |
| Net operating income to assets | 1.7194% | 696 |
| Return on assets (ROA) | 1.7194% | 775 |
| Pretax return on assets | 1.8188% | 1,038 |
| Return on Equity (ROE) | 20.5806% | 347 |
| Retained earnings to average equity (ytd only) | 12.1697% | 802 |
| Net charge-offs to loans | -0.0083% | 5,896 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3077% | 7,045 |
| Assets per employee ($millions) | 7.6639% | 566 |
| Cash dividends to net income (ytd only)* | 40.8680% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 5,571 |
| Loan loss allowance to noncurrent loans | 1,913.5593% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 6,792 |
| Noncurrent loans to loans | 0.0619% | 6,597 |
| Net loans and leases to total assets | 72.3203% | 1,345 |
| Net loans and leases to deposits | 79.0795% | 2,332 |
| Net loans and leases to core deposits | 83.3369% | 2,632 |
| Total domestic deposits to total assets | 91.4527% | 388 |
| Equity capital to assets | 8.3638% | 6,208 |
| Core capital (leverage) ratio | 8.4943% | 5,606 |
| Tier 1 risk-based capital ratio | 10.9132% | 6,577 |
| Total risk-based capital ratio | 12.0451% | 6,613 |
| Memoranda: | ||
| Average total assets | $128,653,000 | 4,262 |
| Average earning assets | $123,153,000 | 4,136 |
| Average equity | $10,748,000 | 4,873 |
| Average total loans | $96,804,000 | 3,668 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1007% | 2,455 |
| Cost of funding earning assets | 1.4373% | 893 |
| Net interest margin | 3.6634% | 4,460 |
| Noninterest income to average assets | 0.2069% | 6,032 |
| Noninterest expense to average assets | 1.7268% | 7,036 |
| Loan and lease loss provision to assets | 0.2523% | 3,682 |
| Net operating income to assets | 1.6486% | 605 |
| Return on assets (ROA) | 1.6486% | 647 |
| Pretax return on assets | 1.7243% | 943 |
| Return on Equity (ROE) | 19.7940% | 270 |
| Retained earnings to average equity (ytd only) | 12.3914% | 267 |
| Net charge-offs to loans | 0.1964% | 4,571 |
| Credit loss provision to net charge-offs | 167.5978% | 1,613 |
| Earnings coverage of net charge-offs (x) | 13.1285% | 1,566 |
| Efficiency ratio | 46.6273% | 7,016 |
| Assets per employee ($millions) | 7.4717% | 584 |
| Cash dividends to net income (ytd only)* | 37.3980% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 5,920 |
| Loan loss allowance to noncurrent loans | 1,880.3571% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 6,854 |
| Noncurrent loans to loans | 0.0570% | 6,675 |
| Net loans and leases to total assets | 76.5256% | 882 |
| Net loans and leases to deposits | 84.1350% | 1,909 |
| Net loans and leases to core deposits | 88.7876% | 2,280 |
| Total domestic deposits to total assets | 90.9557% | 526 |
| Equity capital to assets | 8.3444% | 6,309 |
| Core capital (leverage) ratio | 8.3678% | 5,754 |
| Tier 1 risk-based capital ratio | 10.5058% | 6,681 |
| Total risk-based capital ratio | 11.5537% | 6,745 |
| Memoranda: | ||
| Average total assets | $118,892,200 | 4,431 |
| Average earning assets | $113,474,800 | 4,294 |
| Average equity | $9,902,000 | 5,050 |
| Average total loans | $91,134,800 | 3,826 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 2,584 |
| Cost of funding earning assets | 1.4604% | 989 |
| Net interest margin | 3.6439% | 4,601 |
| Noninterest income to average assets | 0.2054% | 6,138 |
| Noninterest expense to average assets | 1.6658% | 7,129 |
| Loan and lease loss provision to assets | 0.2852% | 3,235 |
| Net operating income to assets | 1.6418% | 717 |
| Return on assets (ROA) | 1.6418% | 782 |
| Pretax return on assets | 1.7331% | 1,075 |
| Return on Equity (ROE) | 19.7232% | 329 |
| Retained earnings to average equity (ytd only) | 12.5137% | 431 |
| Net charge-offs to loans | 0.1985% | 4,209 |
| Credit loss provision to net charge-offs | 187.9699% | 1,553 |
| Earnings coverage of net charge-offs (x) | 13.3007% | 1,629 |
| Efficiency ratio | 45.2152% | 7,095 |
| Assets per employee ($millions) | 7.0986% | 707 |
| Cash dividends to net income (ytd only)* | 36.5534% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 5,734 |
| Loan loss allowance to noncurrent loans | 859.8361% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 6,806 |
| Noncurrent loans to loans | 0.1324% | 6,609 |
| Net loans and leases to total assets | 75.5071% | 1,056 |
| Net loans and leases to deposits | 82.7888% | 2,209 |
| Net loans and leases to core deposits | 87.5555% | 2,551 |
| Total domestic deposits to total assets | 91.2045% | 378 |
| Equity capital to assets | 8.5369% | 6,263 |
| Core capital (leverage) ratio | 8.6302% | 5,506 |
| Tier 1 risk-based capital ratio | 10.7523% | 6,689 |
| Total risk-based capital ratio | 11.8535% | 6,717 |
| Memoranda: | ||
| Average total assets | $116,860,500 | 4,509 |
| Average earning assets | $111,561,750 | 4,371 |
| Average equity | $9,727,750 | 5,114 |
| Average total loans | $89,354,750 | 3,913 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0452% | 2,950 |
| Cost of funding earning assets | 1.4712% | 1,112 |
| Net interest margin | 3.5740% | 4,816 |
| Noninterest income to average assets | 0.2042% | 6,206 |
| Noninterest expense to average assets | 1.6801% | 7,194 |
| Loan and lease loss provision to assets | 0.3028% | 2,986 |
| Net operating income to assets | 1.5572% | 795 |
| Return on assets (ROA) | 1.5572% | 845 |
| Pretax return on assets | 1.6386% | 1,185 |
| Return on Equity (ROE) | 18.8752% | 398 |
| Retained earnings to average equity (ytd only) | 11.7865% | 551 |
| Net charge-offs to loans | 0.3235% | 3,266 |
| Credit loss provision to net charge-offs | 122.3776% | 2,487 |
| Earnings coverage of net charge-offs (x) | 7.8462% | 2,156 |
| Efficiency ratio | 46.3927% | 7,140 |
| Assets per employee ($millions) | 6.8881% | 775 |
| Cash dividends to net income (ytd only)* | 37.5556% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 6,067 |
| Loan loss allowance to noncurrent loans | 860.7143% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 6,855 |
| Noncurrent loans to loans | 0.1242% | 6,669 |
| Net loans and leases to total assets | 76.2148% | 1,048 |
| Net loans and leases to deposits | 83.6224% | 2,166 |
| Net loans and leases to core deposits | 88.8241% | 2,522 |
| Total domestic deposits to total assets | 91.1416% | 449 |
| Equity capital to assets | 8.4647% | 6,224 |
| Core capital (leverage) ratio | 8.3719% | 5,750 |
| Tier 1 risk-based capital ratio | 10.6370% | 6,741 |
| Total risk-based capital ratio | 11.6737% | 6,812 |
| Memoranda: | ||
| Average total assets | $115,588,670 | 4,572 |
| Average earning assets | $110,521,000 | 4,429 |
| Average equity | $9,536,330 | 5,174 |
| Average total loans | $88,417,000 | 3,978 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9284% | 3,428 |
| Cost of funding earning assets | 1.4643% | 1,316 |
| Net interest margin | 3.4641% | 5,165 |
| Noninterest income to average assets | 0.2403% | 5,981 |
| Noninterest expense to average assets | 1.6859% | 7,243 |
| Loan and lease loss provision to assets | 0.2612% | 3,045 |
| Net operating income to assets | 1.5222% | 838 |
| Return on assets (ROA) | 1.5222% | 878 |
| Pretax return on assets | 1.6058% | 1,178 |
| Return on Equity (ROE) | 18.6982% | 420 |
| Retained earnings to average equity (ytd only) | 12.2800% | 693 |
| Net charge-offs to loans | 0.1645% | 3,493 |
| Credit loss provision to net charge-offs | 208.3333% | 1,429 |
| Earnings coverage of net charge-offs (x) | 14.8889% | 1,345 |
| Efficiency ratio | 47.4510% | 7,137 |
| Assets per employee ($millions) | 6.8340% | 800 |
| Cash dividends to net income (ytd only)* | 34.3249% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 5,987 |
| Loan loss allowance to noncurrent loans | 385.7143% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 6,629 |
| Noncurrent loans to loans | 0.2893% | 6,408 |
| Net loans and leases to total assets | 74.1328% | 1,323 |
| Net loans and leases to deposits | 80.9767% | 2,533 |
| Net loans and leases to core deposits | 84.3256% | 3,127 |
| Total domestic deposits to total assets | 91.5483% | 404 |
| Equity capital to assets | 8.1849% | 6,301 |
| Core capital (leverage) ratio | 8.3051% | 5,802 |
| Tier 1 risk-based capital ratio | 10.7491% | 6,665 |
| Total risk-based capital ratio | 11.8355% | 6,746 |
| Memoranda: | ||
| Average total assets | $114,834,000 | 4,624 |
| Average earning assets | $109,813,500 | 4,478 |
| Average equity | $9,348,500 | 5,215 |
| Average total loans | $87,520,500 | 4,032 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4596% | 2,438 |
| Cost of funding earning assets | 1.6917% | 1,642 |
| Net interest margin | 3.7679% | 4,074 |
| Noninterest income to average assets | 0.2081% | 6,312 |
| Noninterest expense to average assets | 1.7975% | 7,268 |
| Loan and lease loss provision to assets | 0.2825% | 4,545 |
| Net operating income to assets | 1.6214% | 599 |
| Return on assets (ROA) | 1.6214% | 643 |
| Pretax return on assets | 1.7080% | 926 |
| Return on Equity (ROE) | 19.8744% | 258 |
| Retained earnings to average equity (ytd only) | 14.3461% | 148 |
| Net charge-offs to loans | 0.0934% | 5,911 |
| Credit loss provision to net charge-offs | 379.7468% | 659 |
| Earnings coverage of net charge-offs (x) | 26.7595% | 811 |
| Efficiency ratio | 47.4522% | 7,286 |
| Assets per employee ($millions) | 6.6759% | 877 |
| Cash dividends to net income (ytd only)* | 27.8165% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 6,109 |
| Loan loss allowance to noncurrent loans | 228.9926% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 6,368 |
| Noncurrent loans to loans | 0.4628% | 6,120 |
| Net loans and leases to total assets | 76.6684% | 1,146 |
| Net loans and leases to deposits | 83.6178% | 2,509 |
| Net loans and leases to core deposits | 89.1863% | 2,872 |
| Total domestic deposits to total assets | 91.6891% | 347 |
| Equity capital to assets | 8.0959% | 6,386 |
| Core capital (leverage) ratio | 8.3382% | 5,626 |
| Tier 1 risk-based capital ratio | 10.4677% | 6,719 |
| Total risk-based capital ratio | 11.5134% | 6,815 |
| Memoranda: | ||
| Average total assets | $106,204,600 | 4,821 |
| Average earning assets | $100,905,200 | 4,700 |
| Average equity | $8,664,400 | 5,511 |
| Average total loans | $84,593,600 | 4,195 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6011% | 2,054 |
| Cost of funding earning assets | 1.7399% | 1,673 |
| Net interest margin | 3.8612% | 3,703 |
| Noninterest income to average assets | 0.2133% | 6,385 |
| Noninterest expense to average assets | 1.8010% | 7,323 |
| Loan and lease loss provision to assets | 0.2874% | 4,276 |
| Net operating income to assets | 1.6899% | 634 |
| Return on assets (ROA) | 1.6899% | 688 |
| Pretax return on assets | 1.7844% | 956 |
| Return on Equity (ROE) | 20.6710% | 276 |
| Retained earnings to average equity (ytd only) | 15.2337% | 199 |
| Net charge-offs to loans | -0.1894% | 7,613 |
| Credit loss provision to net charge-offs | -189.0756% | 6,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5040% | 7,363 |
| Assets per employee ($millions) | 6.3516% | 1,044 |
| Cash dividends to net income (ytd only)* | 26.3039% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 5,244 |
| Loan loss allowance to noncurrent loans | 113.5630% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 5,375 |
| Noncurrent loans to loans | 1.0997% | 5,041 |
| Net loans and leases to total assets | 77.2574% | 1,169 |
| Net loans and leases to deposits | 84.6647% | 2,585 |
| Net loans and leases to core deposits | 91.6543% | 2,854 |
| Total domestic deposits to total assets | 91.2510% | 367 |
| Equity capital to assets | 8.4369% | 6,349 |
| Core capital (leverage) ratio | 8.4186% | 5,668 |
| Tier 1 risk-based capital ratio | 10.7249% | 6,617 |
| Total risk-based capital ratio | 11.9734% | 6,591 |
| Memoranda: | ||
| Average total assets | $104,383,250 | 4,923 |
| Average earning assets | $98,930,000 | 4,815 |
| Average equity | $8,533,500 | 5,614 |
| Average total loans | $83,756,250 | 4,295 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6688% | 1,876 |
| Cost of funding earning assets | 1.7695% | 1,772 |
| Net interest margin | 3.8994% | 3,453 |
| Noninterest income to average assets | 0.2093% | 6,422 |
| Noninterest expense to average assets | 1.7948% | 7,392 |
| Loan and lease loss provision to assets | 0.2907% | 4,057 |
| Net operating income to assets | 1.7212% | 566 |
| Return on assets (ROA) | 1.7212% | 619 |
| Pretax return on assets | 1.8142% | 863 |
| Return on Equity (ROE) | 21.2916% | 244 |
| Retained earnings to average equity (ytd only) | 16.1125% | 190 |
| Net charge-offs to loans | -0.2682% | 7,676 |
| Credit loss provision to net charge-offs | -133.9286% | 6,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0239% | 7,441 |
| Assets per employee ($millions) | 6.2452% | 1,075 |
| Cash dividends to net income (ytd only)* | 24.3243% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 5,776 |
| Loan loss allowance to noncurrent loans | 177.5547% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 6,176 |
| Noncurrent loans to loans | 0.6385% | 5,974 |
| Net loans and leases to total assets | 79.9273% | 811 |
| Net loans and leases to deposits | 87.3942% | 2,279 |
| Net loans and leases to core deposits | 95.1174% | 2,574 |
| Total domestic deposits to total assets | 91.4561% | 346 |
| Equity capital to assets | 8.2661% | 6,466 |
| Core capital (leverage) ratio | 8.4061% | 5,571 |
| Tier 1 risk-based capital ratio | 10.3788% | 6,779 |
| Total risk-based capital ratio | 11.5318% | 6,832 |
| Memoranda: | ||
| Average total assets | $103,185,000 | 4,985 |
| Average earning assets | $97,657,000 | 4,885 |
| Average equity | $8,341,330 | 5,687 |
| Average total loans | $83,516,330 | 4,337 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4646% | 2,758 |
| Cost of funding earning assets | 1.7750% | 1,994 |
| Net interest margin | 3.6896% | 4,301 |
| Noninterest income to average assets | 0.1927% | 6,587 |
| Noninterest expense to average assets | 1.7976% | 7,463 |
| Loan and lease loss provision to assets | 0.2950% | 3,671 |
| Net operating income to assets | 1.5458% | 825 |
| Return on assets (ROA) | 1.5458% | 886 |
| Pretax return on assets | 1.6324% | 1,191 |
| Return on Equity (ROE) | 19.3501% | 417 |
| Retained earnings to average equity (ytd only) | 14.2787% | 476 |
| Net charge-offs to loans | -0.2088% | 7,682 |
| Credit loss provision to net charge-offs | -174.4186% | 6,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2577% | 7,422 |
| Assets per employee ($millions) | 5.9759% | 1,273 |
| Cash dividends to net income (ytd only)* | 26.2087% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 6,488 |
| Loan loss allowance to noncurrent loans | 108.0834% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7550% | 5,642 |
| Noncurrent loans to loans | 0.9231% | 5,469 |
| Net loans and leases to total assets | 80.9696% | 718 |
| Net loans and leases to deposits | 88.4674% | 2,140 |
| Net loans and leases to core deposits | 94.7116% | 2,743 |
| Total domestic deposits to total assets | 91.5248% | 366 |
| Equity capital to assets | 8.2016% | 6,429 |
| Core capital (leverage) ratio | 8.1761% | 5,947 |
| Tier 1 risk-based capital ratio | 10.2013% | 6,885 |
| Total risk-based capital ratio | 11.2107% | 7,046 |
| Memoranda: | ||
| Average total assets | $101,693,000 | 5,096 |
| Average earning assets | $97,354,500 | 4,946 |
| Average equity | $8,124,000 | 5,805 |
| Average total loans | $82,359,000 | 4,428 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6170% | 3,516 |
| Cost of funding earning assets | 2.0503% | 2,722 |
| Net interest margin | 3.5667% | 4,670 |
| Noninterest income to average assets | 0.2263% | 6,495 |
| Noninterest expense to average assets | 1.9985% | 7,374 |
| Loan and lease loss provision to assets | 0.3443% | 4,731 |
| Net operating income to assets | 1.2432% | 1,144 |
| Return on assets (ROA) | 1.2422% | 1,203 |
| Pretax return on assets | 1.3012% | 1,693 |
| Return on Equity (ROE) | 15.4359% | 612 |
| Retained earnings to average equity (ytd only) | 10.4239% | 331 |
| Net charge-offs to loans | 0.3661% | 4,390 |
| Credit loss provision to net charge-offs | 111.0727% | 4,951 |
| Earnings coverage of net charge-offs (x) | 5.3114% | 2,634 |
| Efficiency ratio | 54.8264% | 7,150 |
| Assets per employee ($millions) | 5.9880% | 1,253 |
| Cash dividends to net income (ytd only)* | 32.4698% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 6,917 |
| Loan loss allowance to noncurrent loans | 90.3553% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 5,555 |
| Noncurrent loans to loans | 0.9653% | 5,383 |
| Net loans and leases to total assets | 79.4923% | 1,091 |
| Net loans and leases to deposits | 88.3252% | 2,506 |
| Net loans and leases to core deposits | 115.7405% | 2,348 |
| Total domestic deposits to total assets | 89.9996% | 960 |
| Equity capital to assets | 7.7763% | 6,790 |
| Core capital (leverage) ratio | 8.0701% | 6,048 |
| Tier 1 risk-based capital ratio | 10.0193% | 6,855 |
| Total risk-based capital ratio | 10.9013% | 7,101 |
| Memoranda: | ||
| Average total assets | $93,222,000 | 5,293 |
| Average earning assets | $89,353,400 | 5,144 |
| Average equity | $7,502,000 | 6,086 |
| Average total loans | $78,938,600 | 4,555 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6886% | 3,399 |
| Cost of funding earning assets | 2.0991% | 2,896 |
| Net interest margin | 3.5895% | 4,516 |
| Noninterest income to average assets | 0.2167% | 6,681 |
| Noninterest expense to average assets | 2.0026% | 7,379 |
| Loan and lease loss provision to assets | 0.2049% | 5,350 |
| Net operating income to assets | 1.3717% | 1,082 |
| Return on assets (ROA) | 1.3717% | 1,142 |
| Pretax return on assets | 1.4536% | 1,545 |
| Return on Equity (ROE) | 16.8859% | 557 |
| Retained earnings to average equity (ytd only) | 11.8039% | 367 |
| Net charge-offs to loans | 0.0341% | 6,420 |
| Credit loss provision to net charge-offs | 700.0000% | 532 |
| Earnings coverage of net charge-offs (x) | 56.6415% | 578 |
| Efficiency ratio | 54.6981% | 7,160 |
| Assets per employee ($millions) | 5.6068% | 1,507 |
| Cash dividends to net income (ytd only)* | 30.0961% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 6,111 |
| Loan loss allowance to noncurrent loans | 59.0103% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.4206% | 4,265 |
| Noncurrent loans to loans | 1.7449% | 4,005 |
| Net loans and leases to total assets | 80.5728% | 1,070 |
| Net loans and leases to deposits | 90.2465% | 2,531 |
| Net loans and leases to core deposits | 121.0905% | 2,150 |
| Total domestic deposits to total assets | 89.2808% | 1,068 |
| Equity capital to assets | 8.2526% | 6,555 |
| Core capital (leverage) ratio | 8.5549% | 5,388 |
| Tier 1 risk-based capital ratio | 10.5386% | 6,428 |
| Total risk-based capital ratio | 11.5964% | 6,571 |
| Memoranda: | ||
| Average total assets | $91,078,500 | 5,390 |
| Average earning assets | $87,401,000 | 5,250 |
| Average equity | $7,398,500 | 6,188 |
| Average total loans | $78,265,250 | 4,616 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7912% | 3,092 |
| Cost of funding earning assets | 2.1478% | 3,054 |
| Net interest margin | 3.6434% | 4,202 |
| Noninterest income to average assets | 0.2164% | 6,753 |
| Noninterest expense to average assets | 1.9673% | 7,520 |
| Loan and lease loss provision to assets | 0.1784% | 5,263 |
| Net operating income to assets | 1.4744% | 888 |
| Return on assets (ROA) | 1.4744% | 951 |
| Pretax return on assets | 1.5591% | 1,306 |
| Return on Equity (ROE) | 18.2529% | 469 |
| Retained earnings to average equity (ytd only) | 13.0615% | 327 |
| Net charge-offs to loans | 0.0229% | 6,175 |
| Credit loss provision to net charge-offs | 888.8889% | 540 |
| Earnings coverage of net charge-offs (x) | 86.5556% | 447 |
| Efficiency ratio | 53.1005% | 7,419 |
| Assets per employee ($millions) | 5.2793% | 1,785 |
| Cash dividends to net income (ytd only)* | 28.4418% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 6,564 |
| Loan loss allowance to noncurrent loans | 90.6892% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 5,129 |
| Noncurrent loans to loans | 1.0464% | 5,121 |
| Net loans and leases to total assets | 87.2231% | 293 |
| Net loans and leases to deposits | 98.5398% | 1,450 |
| Net loans and leases to core deposits | 130.0478% | 1,552 |
| Total domestic deposits to total assets | 88.5156% | 1,522 |
| Equity capital to assets | 8.3768% | 6,232 |
| Core capital (leverage) ratio | 8.5373% | 5,376 |
| Tier 1 risk-based capital ratio | 10.3687% | 6,513 |
| Total risk-based capital ratio | 11.3685% | 6,730 |
| Memoranda: | ||
| Average total assets | $89,666,330 | 5,474 |
| Average earning assets | $85,855,000 | 5,346 |
| Average equity | $7,242,670 | 6,286 |
| Average total loans | $78,488,000 | 4,636 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7524% | 3,516 |
| Cost of funding earning assets | 2.1747% | 3,300 |
| Net interest margin | 3.5777% | 4,417 |
| Noninterest income to average assets | 0.2142% | 6,765 |
| Noninterest expense to average assets | 1.9905% | 7,375 |
| Loan and lease loss provision to assets | 0.1562% | 4,935 |
| Net operating income to assets | 1.4014% | 1,137 |
| Return on assets (ROA) | 1.4014% | 1,224 |
| Pretax return on assets | 1.4817% | 1,720 |
| Return on Equity (ROE) | 17.6777% | 615 |
| Retained earnings to average equity (ytd only) | 12.9486% | 652 |
| Net charge-offs to loans | -0.0051% | 7,181 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8585% | 7,122 |
| Assets per employee ($millions) | 5.3079% | 1,733 |
| Cash dividends to net income (ytd only)* | 26.7516% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 6,722 |
| Loan loss allowance to noncurrent loans | 53.5581% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 1.4795% | 3,712 |
| Noncurrent loans to loans | 1.6913% | 3,717 |
| Net loans and leases to total assets | 86.6826% | 370 |
| Net loans and leases to deposits | 102.7076% | 1,117 |
| Net loans and leases to core deposits | 135.1686% | 1,350 |
| Total domestic deposits to total assets | 84.3974% | 3,513 |
| Equity capital to assets | 8.3116% | 6,373 |
| Core capital (leverage) ratio | 8.4878% | 5,564 |
| Tier 1 risk-based capital ratio | 9.8448% | 7,092 |
| Total risk-based capital ratio | 10.7789% | 7,344 |
| Memoranda: | ||
| Average total assets | $89,625,500 | 5,499 |
| Average earning assets | $85,529,500 | 5,378 |
| Average equity | $7,105,000 | 6,371 |
| Average total loans | $78,216,500 | 4,673 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2965% | 3,976 |
| Cost of funding earning assets | 2.9256% | 2,158 |
| Net interest margin | 3.3709% | 5,780 |
| Noninterest income to average assets | 0.2342% | 6,763 |
| Noninterest expense to average assets | 2.0363% | 7,378 |
| Loan and lease loss provision to assets | 0.1410% | 5,549 |
| Net operating income to assets | 1.1769% | 1,849 |
| Return on assets (ROA) | 1.1769% | 1,782 |
| Pretax return on assets | 1.2394% | 2,515 |
| Return on Equity (ROE) | 15.0721% | 914 |
| Retained earnings to average equity (ytd only) | 9.7654% | 481 |
| Net charge-offs to loans | 0.0408% | 6,210 |
| Credit loss provision to net charge-offs | 410.7143% | 1,063 |
| Earnings coverage of net charge-offs (x) | 40.2143% | 927 |
| Efficiency ratio | 59.5981% | 6,419 |
| Assets per employee ($millions) | 5.2362% | 1,702 |
| Cash dividends to net income (ytd only)* | 35.2083% | 3,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 6,787 |
| Loan loss allowance to noncurrent loans | 236.5854% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 6,317 |
| Noncurrent loans to loans | 0.3703% | 6,249 |
| Net loans and leases to total assets | 86.3002% | 569 |
| Net loans and leases to deposits | 103.3666% | 1,416 |
| Net loans and leases to core deposits | 131.9540% | 1,726 |
| Total domestic deposits to total assets | 83.4895% | 3,576 |
| Equity capital to assets | 7.5380% | 7,352 |
| Core capital (leverage) ratio | 7.9409% | 6,586 |
| Tier 1 risk-based capital ratio | 8.9733% | 7,799 |
| Total risk-based capital ratio | 9.8733% | 8,027 |
| Memoranda: | ||
| Average total assets | $81,571,000 | 5,643 |
| Average earning assets | $77,011,000 | 5,547 |
| Average equity | $6,369,400 | 6,684 |
| Average total loans | $68,649,000 | 4,922 |