Home > State Bank of Davis > Performance and Condition Ratios
State Bank of Davis, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 3,554 |
| Cost of funding earning assets | 1.2975% | 2,522 |
| Net interest margin | 2.9409% | 3,409 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.7781% | 4,033 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.9410% | 2,396 |
| Return on assets (ROA) | 0.9207% | 2,455 |
| Pretax return on assets | 1.1766% | 2,201 |
| Return on Equity (ROE) | 12.4800% | 1,843 |
| Retained earnings to average equity (ytd only) | 7.7158% | 1,623 |
| Net charge-offs to loans | 1.1067% | 91 |
| Credit loss provision to net charge-offs | 13.5323% | 2,332 |
| Earnings coverage of net charge-offs (x) | 2.2070% | 2,712 |
| Efficiency ratio | 57.7845% | 3,319 |
| Assets per employee ($millions) | 10.9049% | 539 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 1,016 |
| Loan loss allowance to noncurrent loans | 186.3694% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 1,235 |
| Noncurrent loans to loans | 0.8104% | 955 |
| Net loans and leases to total assets | 54.6800% | 3,298 |
| Net loans and leases to deposits | 61.0534% | 3,469 |
| Net loans and leases to core deposits | 67.5878% | 3,424 |
| Total domestic deposits to total assets | 89.5600% | 889 |
| Equity capital to assets | 8.0290% | 3,396 |
| Core capital (leverage) ratio | 10.9432% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $170,747,200 | 3,189 |
| Average earning assets | $160,459,600 | 3,168 |
| Average equity | $12,597,600 | 3,478 |
| Average total loans | $90,807,000 | 3,282 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1366% | 3,590 |
| Cost of funding earning assets | 1.2085% | 2,405 |
| Net interest margin | 2.9281% | 3,484 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.7815% | 4,013 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.8635% | 2,818 |
| Return on assets (ROA) | 0.8362% | 2,893 |
| Pretax return on assets | 1.0545% | 2,699 |
| Return on Equity (ROE) | 11.6000% | 2,226 |
| Retained earnings to average equity (ytd only) | 6.6966% | 2,397 |
| Net charge-offs to loans | 1.5305% | 54 |
| Credit loss provision to net charge-offs | 21.2683% | 2,007 |
| Earnings coverage of net charge-offs (x) | 1.5727% | 2,525 |
| Efficiency ratio | 58.4643% | 3,147 |
| Assets per employee ($millions) | 11.3624% | 462 |
| Cash dividends to net income (ytd only)* | 42.2535% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 725 |
| Loan loss allowance to noncurrent loans | 188.7376% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 1,224 |
| Noncurrent loans to loans | 0.8930% | 922 |
| Net loans and leases to total assets | 52.2000% | 3,484 |
| Net loans and leases to deposits | 57.5075% | 3,630 |
| Net loans and leases to core deposits | 63.6265% | 3,550 |
| Total domestic deposits to total assets | 90.7600% | 731 |
| Equity capital to assets | 6.8184% | 3,699 |
| Core capital (leverage) ratio | 10.8360% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $169,814,250 | 3,200 |
| Average earning assets | $159,417,750 | 3,184 |
| Average equity | $12,244,750 | 3,507 |
| Average total loans | $89,291,250 | 3,298 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 3,708 |
| Cost of funding earning assets | 1.1076% | 2,261 |
| Net interest margin | 2.8808% | 3,679 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.8124% | 3,973 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 0.7194% | 3,304 |
| Return on assets (ROA) | 0.6769% | 3,397 |
| Pretax return on assets | 0.8254% | 3,339 |
| Return on Equity (ROE) | 9.2200% | 2,924 |
| Retained earnings to average equity (ytd only) | 4.4007% | 3,103 |
| Net charge-offs to loans | 2.3151% | 36 |
| Credit loss provision to net charge-offs | 20.7969% | 1,764 |
| Earnings coverage of net charge-offs (x) | 0.9407% | 2,391 |
| Efficiency ratio | 61.3573% | 2,800 |
| Assets per employee ($millions) | 11.2613% | 475 |
| Cash dividends to net income (ytd only)* | 52.2648% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6600% | 819 |
| Loan loss allowance to noncurrent loans | 75,850.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 2,797 |
| Noncurrent loans to loans | 0.0022% | 3,819 |
| Net loans and leases to total assets | 53.2000% | 3,330 |
| Net loans and leases to deposits | 59.0975% | 3,476 |
| Net loans and leases to core deposits | 65.7110% | 3,365 |
| Total domestic deposits to total assets | 90.0200% | 916 |
| Equity capital to assets | 7.3396% | 3,613 |
| Core capital (leverage) ratio | 10.8079% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $169,607,000 | 3,214 |
| Average earning assets | $159,258,667 | 3,196 |
| Average equity | $12,452,667 | 3,494 |
| Average total loans | $88,893,333 | 3,307 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 3,957 |
| Cost of funding earning assets | 0.9730% | 2,141 |
| Net interest margin | 2.7716% | 3,986 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.8053% | 4,018 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 0.7188% | 3,422 |
| Return on assets (ROA) | 0.6308% | 3,589 |
| Pretax return on assets | 0.7414% | 3,582 |
| Return on Equity (ROE) | 8.5800% | 3,161 |
| Retained earnings to average equity (ytd only) | 3.7777% | 3,329 |
| Net charge-offs to loans | 4.7235% | 18 |
| Credit loss provision to net charge-offs | 7.2464% | 1,409 |
| Earnings coverage of net charge-offs (x) | 0.4193% | 2,002 |
| Efficiency ratio | 63.8634% | 2,479 |
| Assets per employee ($millions) | 10.6706% | 572 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 1,138 |
| Loan loss allowance to noncurrent loans | 368.8172% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 2,042 |
| Noncurrent loans to loans | 0.4186% | 1,681 |
| Net loans and leases to total assets | 51.2500% | 3,400 |
| Net loans and leases to deposits | 56.8448% | 3,522 |
| Net loans and leases to core deposits | 62.8132% | 3,401 |
| Total domestic deposits to total assets | 90.1500% | 1,107 |
| Equity capital to assets | 7.3197% | 3,664 |
| Core capital (leverage) ratio | 10.7348% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $169,940,000 | 3,262 |
| Average earning assets | $159,910,000 | 3,233 |
| Average equity | $12,494,500 | 3,524 |
| Average total loans | $87,647,000 | 3,360 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3110% | 3,564 |
| Cost of funding earning assets | 0.5075% | 1,335 |
| Net interest margin | 2.8035% | 3,884 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.6649% | 4,226 |
| Loan and lease loss provision to assets | 0.3600% | 200 |
| Net operating income to assets | 0.7336% | 3,525 |
| Return on assets (ROA) | 0.7315% | 3,472 |
| Pretax return on assets | 0.8283% | 3,555 |
| Return on Equity (ROE) | 8.3600% | 3,293 |
| Retained earnings to average equity (ytd only) | -3.5139% | 4,538 |
| Net charge-offs to loans | -0.0182% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.3316% | 3,291 |
| Assets per employee ($millions) | 9.9500% | 689 |
| Cash dividends to net income (ytd only)* | 142.0455% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2169% | 300 |
| Loan loss allowance to noncurrent loans | 126.8874% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8927% | 502 |
| Noncurrent loans to loans | 1.7471% | 347 |
| Net loans and leases to total assets | 49.9600% | 3,506 |
| Net loans and leases to deposits | 55.1545% | 3,619 |
| Net loans and leases to core deposits | 60.0694% | 3,502 |
| Total domestic deposits to total assets | 90.5900% | 1,115 |
| Equity capital to assets | 7.3852% | 3,453 |
| Core capital (leverage) ratio | 10.7724% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $168,420,600 | 3,279 |
| Average earning assets | $157,624,000 | 3,260 |
| Average equity | $14,741,600 | 3,390 |
| Average total loans | $77,011,800 | 3,456 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1306% | 3,600 |
| Cost of funding earning assets | 0.4486% | 985 |
| Net interest margin | 2.6821% | 3,961 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.6746% | 4,194 |
| Loan and lease loss provision to assets | -0.1800% | 4,663 |
| Net operating income to assets | 1.0341% | 2,345 |
| Return on assets (ROA) | 1.0414% | 2,279 |
| Pretax return on assets | 1.2561% | 2,188 |
| Return on Equity (ROE) | 11.4500% | 2,224 |
| Retained earnings to average equity (ytd only) | -2.7095% | 4,523 |
| Net charge-offs to loans | -0.0179% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.1224% | 2,951 |
| Assets per employee ($millions) | 11.1897% | 472 |
| Cash dividends to net income (ytd only)* | 123.6682% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 1,921 |
| Loan loss allowance to noncurrent loans | 56.2630% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 381 |
| Noncurrent loans to loans | 2.3524% | 233 |
| Net loans and leases to total assets | 47.8800% | 3,638 |
| Net loans and leases to deposits | 52.0747% | 3,724 |
| Net loans and leases to core deposits | 55.5882% | 3,648 |
| Total domestic deposits to total assets | 91.9500% | 894 |
| Equity capital to assets | 7.2346% | 3,381 |
| Core capital (leverage) ratio | 11.0654% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $168,238,250 | 3,306 |
| Average earning assets | $157,237,500 | 3,290 |
| Average equity | $15,304,000 | 3,382 |
| Average total loans | $74,658,000 | 3,505 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0080% | 3,541 |
| Cost of funding earning assets | 0.4439% | 710 |
| Net interest margin | 2.5641% | 3,970 |
| Noninterest income to average assets | 0.2376% | 3,751 |
| Noninterest expense to average assets | 1.6583% | 4,200 |
| Loan and lease loss provision to assets | -0.1188% | 4,619 |
| Net operating income to assets | 0.9167% | 2,509 |
| Return on assets (ROA) | 0.9277% | 2,434 |
| Pretax return on assets | 1.0988% | 2,415 |
| Return on Equity (ROE) | 9.5490% | 2,509 |
| Retained earnings to average equity (ytd only) | -8.7910% | 4,638 |
| Net charge-offs to loans | -0.0166% | 3,796 |
| Credit loss provision to net charge-offs | 1,666.6667% | 276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1674% | 2,888 |
| Assets per employee ($millions) | 9.2351% | 821 |
| Cash dividends to net income (ytd only)* | 192.0615% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 1,066 |
| Loan loss allowance to noncurrent loans | 46.2011% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.5677% | 221 |
| Noncurrent loans to loans | 3.5550% | 118 |
| Net loans and leases to total assets | 43.3743% | 3,877 |
| Net loans and leases to deposits | 47.2803% | 3,967 |
| Net loans and leases to core deposits | 50.1401% | 3,927 |
| Total domestic deposits to total assets | 91.7387% | 950 |
| Equity capital to assets | 7.7169% | 3,334 |
| Core capital (leverage) ratio | 10.9926% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,369,000 | 3,348 |
| Average earning assets | $156,782,667 | 3,340 |
| Average equity | $16,357,667 | 3,378 |
| Average total loans | $72,394,667 | 3,580 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9679% | 3,347 |
| Cost of funding earning assets | 0.4623% | 606 |
| Net interest margin | 2.5056% | 3,903 |
| Noninterest income to average assets | 0.2644% | 3,540 |
| Noninterest expense to average assets | 1.6148% | 4,270 |
| Loan and lease loss provision to assets | -0.2361% | 4,709 |
| Net operating income to assets | 0.9932% | 1,902 |
| Return on assets (ROA) | 1.0128% | 1,817 |
| Pretax return on assets | 1.2252% | 1,716 |
| Return on Equity (ROE) | 9.4689% | 2,164 |
| Retained earnings to average equity (ytd only) | -20.8801% | 4,708 |
| Net charge-offs to loans | -0.0222% | 3,970 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5801% | 3,196 |
| Assets per employee ($millions) | 9.3340% | 815 |
| Cash dividends to net income (ytd only)* | 320.5128% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 976 |
| Loan loss allowance to noncurrent loans | 441.9118% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 2,669 |
| Noncurrent loans to loans | 0.3946% | 2,078 |
| Net loans and leases to total assets | 40.3090% | 3,991 |
| Net loans and leases to deposits | 45.0400% | 4,020 |
| Net loans and leases to core deposits | 47.8425% | 3,991 |
| Total domestic deposits to total assets | 89.4960% | 1,815 |
| Equity capital to assets | 9.5963% | 2,212 |
| Core capital (leverage) ratio | 10.9150% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,437,500 | 3,353 |
| Average earning assets | $156,610,000 | 3,357 |
| Average equity | $18,122,500 | 3,318 |
| Average total loans | $71,939,000 | 3,588 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2529% | 3,335 |
| Cost of funding earning assets | 0.5541% | 694 |
| Net interest margin | 2.6988% | 3,873 |
| Noninterest income to average assets | 0.3168% | 3,515 |
| Noninterest expense to average assets | 1.5547% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0563% | 2,456 |
| Return on assets (ROA) | 1.0798% | 2,443 |
| Pretax return on assets | 1.3234% | 2,286 |
| Return on Equity (ROE) | 9.1562% | 2,854 |
| Retained earnings to average equity (ytd only) | 4.5880% | 2,973 |
| Net charge-offs to loans | -0.0189% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5623% | 3,865 |
| Assets per employee ($millions) | 9.4924% | 787 |
| Cash dividends to net income (ytd only)* | 49.8915% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 978 |
| Loan loss allowance to noncurrent loans | 60.7394% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.2507% | 381 |
| Noncurrent loans to loans | 2.8512% | 213 |
| Net loans and leases to total assets | 43.1071% | 3,902 |
| Net loans and leases to deposits | 49.3842% | 3,923 |
| Net loans and leases to core deposits | 51.9961% | 3,894 |
| Total domestic deposits to total assets | 87.2892% | 2,396 |
| Equity capital to assets | 11.7767% | 1,355 |
| Core capital (leverage) ratio | 11.4337% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,767,800 | 3,293 |
| Average earning assets | $160,258,400 | 3,277 |
| Average equity | $20,139,400 | 3,203 |
| Average total loans | $79,179,200 | 3,493 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3103% | 3,364 |
| Cost of funding earning assets | 0.5696% | 743 |
| Net interest margin | 2.7407% | 3,899 |
| Noninterest income to average assets | 0.3561% | 3,320 |
| Noninterest expense to average assets | 1.5297% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1333% | 2,426 |
| Return on assets (ROA) | 1.1643% | 2,372 |
| Pretax return on assets | 1.4423% | 2,174 |
| Return on Equity (ROE) | 9.8688% | 2,783 |
| Retained earnings to average equity (ytd only) | 5.3018% | 3,101 |
| Net charge-offs to loans | -0.0183% | 3,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1427% | 4,015 |
| Assets per employee ($millions) | 9.4716% | 781 |
| Cash dividends to net income (ytd only)* | 46.2777% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6973% | 1,111 |
| Loan loss allowance to noncurrent loans | 56.7544% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.3373% | 419 |
| Noncurrent loans to loans | 2.9906% | 221 |
| Net loans and leases to total assets | 43.9591% | 3,954 |
| Net loans and leases to deposits | 50.4979% | 3,985 |
| Net loans and leases to core deposits | 53.4135% | 3,954 |
| Total domestic deposits to total assets | 87.0513% | 2,335 |
| Equity capital to assets | 12.0390% | 1,383 |
| Core capital (leverage) ratio | 11.5214% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,744,000 | 3,330 |
| Average earning assets | $160,585,000 | 3,302 |
| Average equity | $20,143,750 | 3,235 |
| Average total loans | $80,236,000 | 3,523 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1854% | 3,701 |
| Cost of funding earning assets | 0.5879% | 791 |
| Net interest margin | 2.5975% | 4,174 |
| Noninterest income to average assets | 0.4344% | 2,936 |
| Noninterest expense to average assets | 1.4728% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1497% | 2,365 |
| Return on assets (ROA) | 1.1497% | 2,427 |
| Pretax return on assets | 1.4236% | 2,261 |
| Return on Equity (ROE) | 9.8118% | 2,823 |
| Retained earnings to average equity (ytd only) | 5.2157% | 3,113 |
| Net charge-offs to loans | -0.0196% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8488% | 4,157 |
| Assets per employee ($millions) | 9.4221% | 734 |
| Cash dividends to net income (ytd only)* | 46.8432% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 1,176 |
| Loan loss allowance to noncurrent loans | 113.3450% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 1,233 |
| Noncurrent loans to loans | 1.4535% | 791 |
| Net loans and leases to total assets | 45.4439% | 3,943 |
| Net loans and leases to deposits | 52.2806% | 3,977 |
| Net loans and leases to core deposits | 55.2123% | 3,951 |
| Total domestic deposits to total assets | 86.9232% | 2,368 |
| Equity capital to assets | 11.8970% | 1,419 |
| Core capital (leverage) ratio | 11.0838% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,829,333 | 3,329 |
| Average earning assets | $161,927,667 | 3,294 |
| Average equity | $20,016,667 | 3,236 |
| Average total loans | $81,568,333 | 3,521 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9471% | 4,190 |
| Cost of funding earning assets | 0.6094% | 842 |
| Net interest margin | 2.3377% | 4,479 |
| Noninterest income to average assets | 0.6649% | 1,976 |
| Noninterest expense to average assets | 1.4279% | 4,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1806% | 2,230 |
| Return on assets (ROA) | 1.1806% | 2,300 |
| Pretax return on assets | 1.4745% | 2,060 |
| Return on Equity (ROE) | 10.1522% | 2,647 |
| Retained earnings to average equity (ytd only) | 5.5376% | 3,050 |
| Net charge-offs to loans | -0.0192% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1961% | 4,253 |
| Assets per employee ($millions) | 9.6173% | 673 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 1,406 |
| Loan loss allowance to noncurrent loans | 106.8937% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 1,348 |
| Noncurrent loans to loans | 1.4553% | 862 |
| Net loans and leases to total assets | 47.0476% | 3,888 |
| Net loans and leases to deposits | 53.5382% | 3,970 |
| Net loans and leases to core deposits | 56.7458% | 3,927 |
| Total domestic deposits to total assets | 87.8766% | 1,904 |
| Equity capital to assets | 11.3880% | 1,612 |
| Core capital (leverage) ratio | 10.9727% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,445,000 | 3,317 |
| Average earning assets | $164,094,500 | 3,272 |
| Average equity | $19,936,500 | 3,239 |
| Average total loans | $83,171,000 | 3,508 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4523% | 4,117 |
| Cost of funding earning assets | 0.8099% | 1,166 |
| Net interest margin | 2.6424% | 4,446 |
| Noninterest income to average assets | 0.2266% | 4,140 |
| Noninterest expense to average assets | 1.5146% | 4,769 |
| Loan and lease loss provision to assets | -0.2662% | 4,988 |
| Net operating income to assets | 1.2165% | 1,494 |
| Return on assets (ROA) | 1.2430% | 1,511 |
| Pretax return on assets | 1.5459% | 1,208 |
| Return on Equity (ROE) | 10.9640% | 1,641 |
| Retained earnings to average equity (ytd only) | 6.1630% | 1,726 |
| Net charge-offs to loans | 0.1596% | 1,021 |
| Credit loss provision to net charge-offs | -333.3333% | 3,862 |
| Earnings coverage of net charge-offs (x) | 15.6074% | 2,166 |
| Efficiency ratio | 54.8532% | 4,107 |
| Assets per employee ($millions) | 9.4321% | 642 |
| Cash dividends to net income (ytd only)* | 43.7887% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,466 |
| Loan loss allowance to noncurrent loans | 95.3195% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 1,291 |
| Noncurrent loans to loans | 1.6099% | 819 |
| Net loans and leases to total assets | 48.4910% | 3,942 |
| Net loans and leases to deposits | 57.0784% | 3,939 |
| Net loans and leases to core deposits | 60.6800% | 3,906 |
| Total domestic deposits to total assets | 84.9551% | 2,777 |
| Equity capital to assets | 11.8737% | 1,637 |
| Core capital (leverage) ratio | 11.0032% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,022,400 | 3,200 |
| Average earning assets | $162,125,200 | 3,144 |
| Average equity | $19,162,800 | 3,263 |
| Average total loans | $84,560,000 | 3,489 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4348% | 4,307 |
| Cost of funding earning assets | 0.8484% | 1,268 |
| Net interest margin | 2.5864% | 4,581 |
| Noninterest income to average assets | 0.2227% | 4,161 |
| Noninterest expense to average assets | 1.5084% | 4,795 |
| Loan and lease loss provision to assets | -0.3554% | 5,024 |
| Net operating income to assets | 1.2432% | 1,510 |
| Return on assets (ROA) | 1.2785% | 1,509 |
| Pretax return on assets | 1.5936% | 1,202 |
| Return on Equity (ROE) | 11.4129% | 1,552 |
| Retained earnings to average equity (ytd only) | 6.5489% | 1,869 |
| Net charge-offs to loans | 0.2877% | 547 |
| Credit loss provision to net charge-offs | -245.9016% | 3,671 |
| Earnings coverage of net charge-offs (x) | 8.2623% | 2,513 |
| Efficiency ratio | 55.8153% | 3,942 |
| Assets per employee ($millions) | 9.8034% | 544 |
| Cash dividends to net income (ytd only)* | 42.6189% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 1,860 |
| Loan loss allowance to noncurrent loans | 85.4671% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.8302% | 1,389 |
| Noncurrent loans to loans | 1.6071% | 876 |
| Net loans and leases to total assets | 50.2522% | 4,089 |
| Net loans and leases to deposits | 66.0514% | 3,618 |
| Net loans and leases to core deposits | 70.5368% | 3,589 |
| Total domestic deposits to total assets | 76.0804% | 4,414 |
| Equity capital to assets | 11.2670% | 2,175 |
| Core capital (leverage) ratio | 10.4826% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,833,500 | 3,190 |
| Average earning assets | $161,870,250 | 3,135 |
| Average equity | $18,913,750 | 3,288 |
| Average total loans | $84,797,500 | 3,504 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 4,434 |
| Cost of funding earning assets | 0.9091% | 1,333 |
| Net interest margin | 2.5729% | 4,682 |
| Noninterest income to average assets | 0.2261% | 4,133 |
| Noninterest expense to average assets | 1.5214% | 4,833 |
| Loan and lease loss provision to assets | -0.5412% | 5,059 |
| Net operating income to assets | 1.3612% | 1,203 |
| Return on assets (ROA) | 1.4084% | 1,189 |
| Pretax return on assets | 1.7692% | 863 |
| Return on Equity (ROE) | 12.5975% | 1,196 |
| Retained earnings to average equity (ytd only) | 7.6489% | 1,418 |
| Net charge-offs to loans | -0.0072% | 4,111 |
| Credit loss provision to net charge-offs | 15,000.0000% | 82 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5489% | 3,880 |
| Assets per employee ($millions) | 10.4489% | 448 |
| Cash dividends to net income (ytd only)* | 39.2827% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 1,008 |
| Loan loss allowance to noncurrent loans | 63.1275% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.2785% | 824 |
| Noncurrent loans to loans | 2.5360% | 452 |
| Net loans and leases to total assets | 49.1699% | 4,199 |
| Net loans and leases to deposits | 64.5050% | 3,844 |
| Net loans and leases to core deposits | 69.0006% | 3,787 |
| Total domestic deposits to total assets | 76.2266% | 4,406 |
| Equity capital to assets | 11.0820% | 2,265 |
| Core capital (leverage) ratio | 10.0449% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,290,667 | 3,188 |
| Average earning assets | $159,274,333 | 3,138 |
| Average equity | $18,591,000 | 3,316 |
| Average total loans | $83,093,000 | 3,533 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 4,448 |
| Cost of funding earning assets | 1.0064% | 1,390 |
| Net interest margin | 2.6593% | 4,704 |
| Noninterest income to average assets | 0.1967% | 4,370 |
| Noninterest expense to average assets | 1.5565% | 4,884 |
| Loan and lease loss provision to assets | -1.1207% | 5,109 |
| Net operating income to assets | 1.7897% | 421 |
| Return on assets (ROA) | 1.8802% | 384 |
| Pretax return on assets | 2.4156% | 194 |
| Return on Equity (ROE) | 16.7369% | 361 |
| Retained earnings to average equity (ytd only) | 11.6382% | 465 |
| Net charge-offs to loans | -0.0100% | 4,080 |
| Credit loss provision to net charge-offs | 22,500.0000% | 28 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8699% | 4,128 |
| Assets per employee ($millions) | 9.9436% | 393 |
| Cash dividends to net income (ytd only)* | 30.4636% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8907% | 618 |
| Loan loss allowance to noncurrent loans | 149.4737% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 2,274 |
| Noncurrent loans to loans | 1.2649% | 1,291 |
| Net loans and leases to total assets | 43.5906% | 4,522 |
| Net loans and leases to deposits | 56.5090% | 4,348 |
| Net loans and leases to core deposits | 61.9481% | 4,274 |
| Total domestic deposits to total assets | 77.1393% | 4,334 |
| Equity capital to assets | 10.6844% | 3,156 |
| Core capital (leverage) ratio | 11.2142% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,620,500 | 3,212 |
| Average earning assets | $153,422,000 | 3,158 |
| Average equity | $18,044,000 | 3,361 |
| Average total loans | $80,258,500 | 3,578 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1181% | 4,001 |
| Cost of funding earning assets | 1.0673% | 1,441 |
| Net interest margin | 3.0508% | 4,449 |
| Noninterest income to average assets | 0.2477% | 4,195 |
| Noninterest expense to average assets | 1.5385% | 4,987 |
| Loan and lease loss provision to assets | 0.0097% | 3,813 |
| Net operating income to assets | 1.2764% | 1,785 |
| Return on assets (ROA) | 1.3037% | 1,754 |
| Pretax return on assets | 1.6398% | 1,368 |
| Return on Equity (ROE) | 11.2033% | 1,811 |
| Retained earnings to average equity (ytd only) | 0.5599% | 4,533 |
| Net charge-offs to loans | 0.0168% | 3,118 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 166.9333% | 453 |
| Efficiency ratio | 48.7830% | 4,794 |
| Assets per employee ($millions) | 8.9529% | 509 |
| Cash dividends to net income (ytd only)* | 95.0025% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1871% | 338 |
| Loan loss allowance to noncurrent loans | 195.3975% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 1,949 |
| Noncurrent loans to loans | 1.1193% | 1,350 |
| Net loans and leases to total assets | 54.8903% | 4,011 |
| Net loans and leases to deposits | 66.1261% | 3,948 |
| Net loans and leases to core deposits | 72.8507% | 3,805 |
| Total domestic deposits to total assets | 83.0085% | 3,189 |
| Equity capital to assets | 11.8443% | 2,244 |
| Core capital (leverage) ratio | 10.8886% | 2,600 |
| Tier 1 risk-based capital ratio | 16.8786% | 2,090 |
| Total risk-based capital ratio | 18.1358% | 2,034 |
| Memoranda: | ||
| Average total assets | $155,018,200 | 3,243 |
| Average earning assets | $147,666,800 | 3,196 |
| Average equity | $18,039,400 | 3,337 |
| Average total loans | $89,392,400 | 3,409 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 4,133 |
| Cost of funding earning assets | 1.0505% | 1,535 |
| Net interest margin | 3.0580% | 4,544 |
| Noninterest income to average assets | 0.2432% | 4,278 |
| Noninterest expense to average assets | 1.5180% | 5,060 |
| Loan and lease loss provision to assets | 0.0128% | 3,645 |
| Net operating income to assets | 1.2946% | 1,882 |
| Return on assets (ROA) | 1.3083% | 1,905 |
| Pretax return on assets | 1.6405% | 1,495 |
| Return on Equity (ROE) | 11.2916% | 1,900 |
| Retained earnings to average equity (ytd only) | 6.1927% | 2,283 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1270% | 4,846 |
| Assets per employee ($millions) | 10.7495% | 287 |
| Cash dividends to net income (ytd only)* | 45.1573% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1273% | 374 |
| Loan loss allowance to noncurrent loans | 171.8978% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 1,992 |
| Noncurrent loans to loans | 1.2375% | 1,258 |
| Net loans and leases to total assets | 53.7574% | 4,201 |
| Net loans and leases to deposits | 69.1201% | 3,832 |
| Net loans and leases to core deposits | 76.5386% | 3,660 |
| Total domestic deposits to total assets | 77.7739% | 4,391 |
| Equity capital to assets | 11.6929% | 2,515 |
| Core capital (leverage) ratio | 11.6141% | 2,134 |
| Tier 1 risk-based capital ratio | 16.8150% | 2,145 |
| Total risk-based capital ratio | 18.0712% | 2,091 |
| Memoranda: | ||
| Average total assets | $155,722,750 | 3,269 |
| Average earning assets | $148,240,000 | 3,224 |
| Average equity | $18,042,500 | 3,354 |
| Average total loans | $90,387,750 | 3,427 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 4,136 |
| Cost of funding earning assets | 1.0388% | 1,536 |
| Net interest margin | 3.0715% | 4,582 |
| Noninterest income to average assets | 0.2495% | 4,258 |
| Noninterest expense to average assets | 1.5453% | 5,093 |
| Loan and lease loss provision to assets | 0.0195% | 3,400 |
| Net operating income to assets | 1.2924% | 1,806 |
| Return on assets (ROA) | 1.2945% | 1,854 |
| Pretax return on assets | 1.6116% | 1,510 |
| Return on Equity (ROE) | 11.2086% | 1,904 |
| Retained earnings to average equity (ytd only) | 6.0320% | 2,267 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6896% | 4,856 |
| Assets per employee ($millions) | 9.1075% | 447 |
| Cash dividends to net income (ytd only)* | 46.1847% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0852% | 406 |
| Loan loss allowance to noncurrent loans | 177.2342% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 1,996 |
| Noncurrent loans to loans | 1.1765% | 1,367 |
| Net loans and leases to total assets | 57.1399% | 3,996 |
| Net loans and leases to deposits | 73.2369% | 3,575 |
| Net loans and leases to core deposits | 81.1968% | 3,322 |
| Total domestic deposits to total assets | 78.0206% | 4,393 |
| Equity capital to assets | 11.9372% | 2,239 |
| Core capital (leverage) ratio | 11.3900% | 2,256 |
| Tier 1 risk-based capital ratio | 16.3387% | 2,291 |
| Total risk-based capital ratio | 17.5945% | 2,231 |
| Memoranda: | ||
| Average total assets | $153,882,670 | 3,302 |
| Average earning assets | $146,509,330 | 3,259 |
| Average equity | $17,772,000 | 3,384 |
| Average total loans | $90,995,670 | 3,435 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0252% | 4,317 |
| Cost of funding earning assets | 0.9810% | 1,650 |
| Net interest margin | 3.0443% | 4,689 |
| Noninterest income to average assets | 0.1903% | 4,613 |
| Noninterest expense to average assets | 1.5749% | 5,120 |
| Loan and lease loss provision to assets | 0.0391% | 2,843 |
| Net operating income to assets | 1.2082% | 2,025 |
| Return on assets (ROA) | 1.2124% | 2,057 |
| Pretax return on assets | 1.4784% | 1,842 |
| Return on Equity (ROE) | 10.6792% | 2,089 |
| Retained earnings to average equity (ytd only) | 5.3970% | 2,739 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0135% | 4,760 |
| Assets per employee ($millions) | 9.0982% | 458 |
| Cash dividends to net income (ytd only)* | 49.4624% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1204% | 407 |
| Loan loss allowance to noncurrent loans | 161.4396% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7558% | 1,862 |
| Noncurrent loans to loans | 1.3134% | 1,245 |
| Net loans and leases to total assets | 56.2268% | 4,048 |
| Net loans and leases to deposits | 71.0373% | 3,688 |
| Net loans and leases to core deposits | 78.6062% | 3,478 |
| Total domestic deposits to total assets | 79.1511% | 4,329 |
| Equity capital to assets | 11.4521% | 2,440 |
| Core capital (leverage) ratio | 11.7319% | 1,954 |
| Tier 1 risk-based capital ratio | 16.4683% | 2,280 |
| Total risk-based capital ratio | 17.7242% | 2,221 |
| Memoranda: | ||
| Average total assets | $153,410,500 | 3,349 |
| Average earning assets | $145,980,000 | 3,303 |
| Average equity | $17,417,000 | 3,434 |
| Average total loans | $91,317,500 | 3,466 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 4,004 |
| Cost of funding earning assets | 0.8802% | 1,174 |
| Net interest margin | 3.1289% | 4,611 |
| Noninterest income to average assets | 0.2573% | 4,389 |
| Noninterest expense to average assets | 1.3784% | 5,272 |
| Loan and lease loss provision to assets | 0.0647% | 2,860 |
| Net operating income to assets | 1.4618% | 1,231 |
| Return on assets (ROA) | 1.4618% | 1,221 |
| Pretax return on assets | 1.7812% | 968 |
| Return on Equity (ROE) | 13.7711% | 1,111 |
| Retained earnings to average equity (ytd only) | 8.1677% | 1,165 |
| Net charge-offs to loans | -0.0217% | 4,724 |
| Credit loss provision to net charge-offs | -476.1905% | 4,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7512% | 5,219 |
| Assets per employee ($millions) | 10.8679% | 273 |
| Cash dividends to net income (ytd only)* | 40.6900% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9929% | 477 |
| Loan loss allowance to noncurrent loans | 154.3353% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.7972% | 1,750 |
| Noncurrent loans to loans | 1.2913% | 1,226 |
| Net loans and leases to total assets | 60.4110% | 3,725 |
| Net loans and leases to deposits | 73.6648% | 3,528 |
| Net loans and leases to core deposits | 81.3402% | 3,321 |
| Total domestic deposits to total assets | 82.0080% | 3,639 |
| Equity capital to assets | 11.2526% | 2,465 |
| Core capital (leverage) ratio | 11.0898% | 2,448 |
| Tier 1 risk-based capital ratio | 15.6008% | 2,578 |
| Total risk-based capital ratio | 16.8563% | 2,494 |
| Memoranda: | ||
| Average total assets | $154,667,400 | 3,337 |
| Average earning assets | $146,664,800 | 3,288 |
| Average equity | $16,418,400 | 3,469 |
| Average total loans | $96,643,400 | 3,360 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 4,138 |
| Cost of funding earning assets | 0.8485% | 1,128 |
| Net interest margin | 3.0817% | 4,737 |
| Noninterest income to average assets | 0.2370% | 4,554 |
| Noninterest expense to average assets | 1.3642% | 5,341 |
| Loan and lease loss provision to assets | 0.0644% | 2,685 |
| Net operating income to assets | 1.4209% | 1,411 |
| Return on assets (ROA) | 1.4209% | 1,412 |
| Pretax return on assets | 1.7300% | 1,207 |
| Return on Equity (ROE) | 13.5852% | 1,238 |
| Retained earnings to average equity (ytd only) | 7.9213% | 1,694 |
| Net charge-offs to loans | -0.0288% | 4,733 |
| Credit loss provision to net charge-offs | -357.1429% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1911% | 5,243 |
| Assets per employee ($millions) | 11.7924% | 206 |
| Cash dividends to net income (ytd only)* | 41.6920% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9930% | 491 |
| Loan loss allowance to noncurrent loans | 136.7953% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8806% | 1,674 |
| Noncurrent loans to loans | 1.4569% | 1,124 |
| Net loans and leases to total assets | 59.1516% | 3,938 |
| Net loans and leases to deposits | 73.4834% | 3,646 |
| Net loans and leases to core deposits | 81.0214% | 3,405 |
| Total domestic deposits to total assets | 80.4965% | 3,994 |
| Equity capital to assets | 10.6960% | 2,935 |
| Core capital (leverage) ratio | 11.2327% | 2,390 |
| Tier 1 risk-based capital ratio | 15.3022% | 2,741 |
| Total risk-based capital ratio | 16.5573% | 2,661 |
| Memoranda: | ||
| Average total assets | $155,296,500 | 3,357 |
| Average earning assets | $147,229,000 | 3,311 |
| Average equity | $16,242,750 | 3,516 |
| Average total loans | $97,358,000 | 3,377 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9081% | 4,057 |
| Cost of funding earning assets | 0.8333% | 993 |
| Net interest margin | 3.0748% | 4,777 |
| Noninterest income to average assets | 0.2462% | 4,533 |
| Noninterest expense to average assets | 1.3311% | 5,422 |
| Loan and lease loss provision to assets | 0.0641% | 2,620 |
| Net operating income to assets | 1.4465% | 1,292 |
| Return on assets (ROA) | 1.4465% | 1,294 |
| Pretax return on assets | 1.7658% | 1,049 |
| Return on Equity (ROE) | 13.9334% | 1,089 |
| Retained earnings to average equity (ytd only) | 8.2513% | 1,518 |
| Net charge-offs to loans | 0.1879% | 831 |
| Credit loss provision to net charge-offs | 53.7634% | 2,474 |
| Earnings coverage of net charge-offs (x) | 15.3441% | 2,046 |
| Efficiency ratio | 42.1095% | 5,338 |
| Assets per employee ($millions) | 10.7341% | 258 |
| Cash dividends to net income (ytd only)* | 40.7801% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8053% | 747 |
| Loan loss allowance to noncurrent loans | 94.8276% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.1978% | 1,194 |
| Noncurrent loans to loans | 1.9037% | 808 |
| Net loans and leases to total assets | 61.7134% | 3,636 |
| Net loans and leases to deposits | 76.1077% | 3,313 |
| Net loans and leases to core deposits | 83.7769% | 3,100 |
| Total domestic deposits to total assets | 81.0869% | 3,969 |
| Equity capital to assets | 10.8599% | 2,774 |
| Core capital (leverage) ratio | 10.5186% | 3,015 |
| Tier 1 risk-based capital ratio | 14.7398% | 2,998 |
| Total risk-based capital ratio | 15.9932% | 2,926 |
| Memoranda: | ||
| Average total assets | $155,961,670 | 3,370 |
| Average earning assets | $147,848,330 | 3,319 |
| Average equity | $16,191,330 | 3,535 |
| Average total loans | $98,969,330 | 3,353 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8000% | 4,221 |
| Cost of funding earning assets | 0.8052% | 927 |
| Net interest margin | 2.9949% | 4,890 |
| Noninterest income to average assets | 0.1864% | 4,908 |
| Noninterest expense to average assets | 1.2519% | 5,512 |
| Loan and lease loss provision to assets | 0.0630% | 2,512 |
| Net operating income to assets | 1.4030% | 1,333 |
| Return on assets (ROA) | 1.4030% | 1,338 |
| Pretax return on assets | 1.7103% | 1,088 |
| Return on Equity (ROE) | 13.8153% | 1,055 |
| Retained earnings to average equity (ytd only) | 8.1106% | 1,796 |
| Net charge-offs to loans | 0.4742% | 321 |
| Credit loss provision to net charge-offs | 20.8333% | 2,122 |
| Earnings coverage of net charge-offs (x) | 5.8667% | 2,194 |
| Efficiency ratio | 41.3822% | 5,419 |
| Assets per employee ($millions) | 14.5367% | 109 |
| Cash dividends to net income (ytd only)* | 41.2926% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 985 |
| Loan loss allowance to noncurrent loans | 60.3725% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.8974% | 621 |
| Noncurrent loans to loans | 2.7901% | 450 |
| Net loans and leases to total assets | 60.3356% | 3,720 |
| Net loans and leases to deposits | 77.9855% | 3,017 |
| Net loans and leases to core deposits | 86.3401% | 2,774 |
| Total domestic deposits to total assets | 77.3677% | 4,821 |
| Equity capital to assets | 10.0285% | 3,566 |
| Core capital (leverage) ratio | 10.4943% | 2,949 |
| Tier 1 risk-based capital ratio | 13.9054% | 3,430 |
| Total risk-based capital ratio | 15.1573% | 3,343 |
| Memoranda: | ||
| Average total assets | $158,804,000 | 3,375 |
| Average earning assets | $150,525,000 | 3,322 |
| Average equity | $16,127,000 | 3,570 |
| Average total loans | $101,231,000 | 3,337 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 3,688 |
| Cost of funding earning assets | 0.7823% | 688 |
| Net interest margin | 3.1285% | 4,634 |
| Noninterest income to average assets | 0.2177% | 4,848 |
| Noninterest expense to average assets | 1.2683% | 5,567 |
| Loan and lease loss provision to assets | 0.0946% | 2,309 |
| Net operating income to assets | 1.2147% | 1,472 |
| Return on assets (ROA) | 1.2147% | 1,500 |
| Pretax return on assets | 1.8148% | 768 |
| Return on Equity (ROE) | 12.1913% | 1,159 |
| Retained earnings to average equity (ytd only) | 6.3648% | 1,347 |
| Net charge-offs to loans | 0.5041% | 467 |
| Credit loss provision to net charge-offs | 27.9851% | 3,553 |
| Earnings coverage of net charge-offs (x) | 5.6455% | 3,296 |
| Efficiency ratio | 39.9126% | 5,530 |
| Assets per employee ($millions) | 14.3367% | 107 |
| Cash dividends to net income (ytd only)* | 47.7922% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 987 |
| Loan loss allowance to noncurrent loans | 59.3952% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.0538% | 536 |
| Noncurrent loans to loans | 2.8209% | 417 |
| Net loans and leases to total assets | 65.0472% | 3,220 |
| Net loans and leases to deposits | 81.7230% | 2,748 |
| Net loans and leases to core deposits | 91.1678% | 2,443 |
| Total domestic deposits to total assets | 79.5947% | 4,416 |
| Equity capital to assets | 10.2838% | 3,401 |
| Core capital (leverage) ratio | 9.8996% | 3,583 |
| Tier 1 risk-based capital ratio | 12.8797% | 3,987 |
| Total risk-based capital ratio | 14.1322% | 3,878 |
| Memoranda: | ||
| Average total assets | $158,479,000 | 3,369 |
| Average earning assets | $149,942,200 | 3,326 |
| Average equity | $15,790,000 | 3,631 |
| Average total loans | $106,321,800 | 3,243 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 3,711 |
| Cost of funding earning assets | 0.7717% | 680 |
| Net interest margin | 3.1189% | 4,658 |
| Noninterest income to average assets | 0.2160% | 4,927 |
| Noninterest expense to average assets | 1.3008% | 5,617 |
| Loan and lease loss provision to assets | 0.1050% | 2,012 |
| Net operating income to assets | 1.3058% | 1,310 |
| Return on assets (ROA) | 1.3058% | 1,350 |
| Pretax return on assets | 1.7612% | 977 |
| Return on Equity (ROE) | 13.2114% | 1,011 |
| Retained earnings to average equity (ytd only) | 7.3453% | 1,518 |
| Net charge-offs to loans | 0.4618% | 450 |
| Credit loss provision to net charge-offs | 33.7838% | 3,054 |
| Earnings coverage of net charge-offs (x) | 6.0027% | 3,035 |
| Efficiency ratio | 41.0719% | 5,556 |
| Assets per employee ($millions) | 13.2849% | 132 |
| Cash dividends to net income (ytd only)* | 44.4017% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 789 |
| Loan loss allowance to noncurrent loans | 50.3599% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 2.5386% | 419 |
| Noncurrent loans to loans | 3.6544% | 290 |
| Net loans and leases to total assets | 63.2014% | 3,530 |
| Net loans and leases to deposits | 78.5786% | 3,111 |
| Net loans and leases to core deposits | 87.4116% | 2,832 |
| Total domestic deposits to total assets | 80.4308% | 4,224 |
| Equity capital to assets | 10.2315% | 3,660 |
| Core capital (leverage) ratio | 9.8436% | 3,762 |
| Tier 1 risk-based capital ratio | 12.7344% | 4,185 |
| Total risk-based capital ratio | 13.9879% | 4,075 |
| Memoranda: | ||
| Average total assets | $158,672,750 | 3,392 |
| Average earning assets | $150,135,500 | 3,350 |
| Average equity | $15,683,000 | 3,672 |
| Average total loans | $106,819,750 | 3,263 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 3,641 |
| Cost of funding earning assets | 0.7741% | 600 |
| Net interest margin | 3.1019% | 4,680 |
| Noninterest income to average assets | 0.2336% | 4,836 |
| Noninterest expense to average assets | 1.3369% | 5,652 |
| Loan and lease loss provision to assets | 0.1262% | 1,640 |
| Net operating income to assets | 1.2751% | 1,363 |
| Return on assets (ROA) | 1.2751% | 1,391 |
| Pretax return on assets | 1.7043% | 1,047 |
| Return on Equity (ROE) | 13.0544% | 1,024 |
| Retained earnings to average equity (ytd only) | 7.1089% | 1,540 |
| Net charge-offs to loans | 0.5175% | 375 |
| Credit loss provision to net charge-offs | 35.7143% | 2,678 |
| Earnings coverage of net charge-offs (x) | 5.1786% | 2,852 |
| Efficiency ratio | 42.2081% | 5,567 |
| Assets per employee ($millions) | 11.2596% | 211 |
| Cash dividends to net income (ytd only)* | 45.5446% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8201% | 849 |
| Loan loss allowance to noncurrent loans | 68.1311% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.8391% | 740 |
| Noncurrent loans to loans | 2.6715% | 530 |
| Net loans and leases to total assets | 66.8650% | 2,972 |
| Net loans and leases to deposits | 82.0549% | 2,695 |
| Net loans and leases to core deposits | 93.7098% | 2,182 |
| Total domestic deposits to total assets | 81.4881% | 4,049 |
| Equity capital to assets | 10.1793% | 3,692 |
| Core capital (leverage) ratio | 9.6137% | 4,005 |
| Tier 1 risk-based capital ratio | 12.1132% | 4,563 |
| Total risk-based capital ratio | 13.3669% | 4,437 |
| Memoranda: | ||
| Average total assets | $158,424,000 | 3,411 |
| Average earning assets | $149,843,000 | 3,371 |
| Average equity | $15,473,670 | 3,705 |
| Average total loans | $108,211,670 | 3,245 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 3,744 |
| Cost of funding earning assets | 0.7477% | 662 |
| Net interest margin | 3.0604% | 4,764 |
| Noninterest income to average assets | 0.1864% | 5,157 |
| Noninterest expense to average assets | 1.4003% | 5,693 |
| Loan and lease loss provision to assets | 0.0630% | 2,546 |
| Net operating income to assets | 1.2165% | 1,470 |
| Return on assets (ROA) | 1.2165% | 1,505 |
| Pretax return on assets | 1.6094% | 1,207 |
| Return on Equity (ROE) | 12.7210% | 1,058 |
| Retained earnings to average equity (ytd only) | 6.6634% | 1,997 |
| Net charge-offs to loans | 1.1340% | 155 |
| Credit loss provision to net charge-offs | 8.1169% | 2,238 |
| Earnings coverage of net charge-offs (x) | 2.1558% | 2,634 |
| Efficiency ratio | 45.5738% | 5,546 |
| Assets per employee ($millions) | 10.7119% | 247 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 1,053 |
| Loan loss allowance to noncurrent loans | 62.6820% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.9125% | 711 |
| Noncurrent loans to loans | 2.7942% | 519 |
| Net loans and leases to total assets | 64.6214% | 3,178 |
| Net loans and leases to deposits | 79.5314% | 2,806 |
| Net loans and leases to core deposits | 90.1586% | 2,334 |
| Total domestic deposits to total assets | 81.2527% | 4,353 |
| Equity capital to assets | 9.5439% | 4,233 |
| Core capital (leverage) ratio | 9.6874% | 3,885 |
| Tier 1 risk-based capital ratio | 12.0970% | 4,654 |
| Total risk-based capital ratio | 13.3494% | 4,549 |
| Memoranda: | ||
| Average total assets | $158,819,000 | 3,446 |
| Average earning assets | $149,783,500 | 3,403 |
| Average equity | $15,187,500 | 3,761 |
| Average total loans | $108,639,500 | 3,269 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9095% | 3,539 |
| Cost of funding earning assets | 0.7366% | 673 |
| Net interest margin | 3.1729% | 4,528 |
| Noninterest income to average assets | 0.2110% | 5,153 |
| Noninterest expense to average assets | 1.4561% | 5,741 |
| Loan and lease loss provision to assets | 0.0985% | 2,406 |
| Net operating income to assets | 1.2478% | 1,361 |
| Return on assets (ROA) | 1.2617% | 1,402 |
| Pretax return on assets | 1.6856% | 1,041 |
| Return on Equity (ROE) | 13.0443% | 983 |
| Retained earnings to average equity (ytd only) | 6.9618% | 1,243 |
| Net charge-offs to loans | 0.2848% | 964 |
| Credit loss provision to net charge-offs | 49.6774% | 3,385 |
| Earnings coverage of net charge-offs (x) | 8.9065% | 2,820 |
| Efficiency ratio | 45.1965% | 5,664 |
| Assets per employee ($millions) | 10.4639% | 269 |
| Cash dividends to net income (ytd only)* | 46.6295% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 785 |
| Loan loss allowance to noncurrent loans | 75.7006% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.8725% | 768 |
| Noncurrent loans to loans | 2.5261% | 622 |
| Net loans and leases to total assets | 69.7386% | 2,528 |
| Net loans and leases to deposits | 84.0146% | 2,415 |
| Net loans and leases to core deposits | 94.7181% | 2,039 |
| Total domestic deposits to total assets | 83.0077% | 3,764 |
| Equity capital to assets | 9.5821% | 4,184 |
| Core capital (leverage) ratio | 9.2418% | 4,423 |
| Tier 1 risk-based capital ratio | 11.3774% | 5,130 |
| Total risk-based capital ratio | 12.6321% | 5,026 |
| Memoranda: | ||
| Average total assets | $156,381,000 | 3,432 |
| Average earning assets | $148,383,400 | 3,391 |
| Average equity | $15,125,400 | 3,793 |
| Average total loans | $108,858,000 | 3,225 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9394% | 3,457 |
| Cost of funding earning assets | 0.7198% | 740 |
| Net interest margin | 3.2196% | 4,428 |
| Noninterest income to average assets | 0.2040% | 5,249 |
| Noninterest expense to average assets | 1.4354% | 5,802 |
| Loan and lease loss provision to assets | 0.1314% | 1,785 |
| Net operating income to assets | 1.2556% | 1,434 |
| Return on assets (ROA) | 1.3219% | 1,314 |
| Pretax return on assets | 1.7878% | 918 |
| Return on Equity (ROE) | 13.6351% | 890 |
| Retained earnings to average equity (ytd only) | 7.5614% | 1,374 |
| Net charge-offs to loans | 0.1590% | 1,424 |
| Credit loss provision to net charge-offs | 119.3798% | 2,094 |
| Earnings coverage of net charge-offs (x) | 16.6198% | 2,101 |
| Efficiency ratio | 43.9624% | 5,749 |
| Assets per employee ($millions) | 10.7043% | 235 |
| Cash dividends to net income (ytd only)* | 44.5450% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1119% | 593 |
| Loan loss allowance to noncurrent loans | 126.7105% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.1447% | 1,761 |
| Noncurrent loans to loans | 1.6667% | 1,271 |
| Net loans and leases to total assets | 66.8290% | 2,984 |
| Net loans and leases to deposits | 81.0576% | 2,844 |
| Net loans and leases to core deposits | 90.8163% | 2,497 |
| Total domestic deposits to total assets | 82.4464% | 3,797 |
| Equity capital to assets | 9.7306% | 4,439 |
| Core capital (leverage) ratio | 9.5938% | 4,066 |
| Tier 1 risk-based capital ratio | 11.3539% | 5,179 |
| Total risk-based capital ratio | 12.6103% | 5,076 |
| Memoranda: | ||
| Average total assets | $156,236,500 | 3,450 |
| Average earning assets | $148,547,000 | 3,404 |
| Average equity | $15,146,750 | 3,819 |
| Average total loans | $108,173,750 | 3,250 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9967% | 3,257 |
| Cost of funding earning assets | 0.7113% | 757 |
| Net interest margin | 3.2854% | 4,275 |
| Noninterest income to average assets | 0.1899% | 5,361 |
| Noninterest expense to average assets | 1.4626% | 5,863 |
| Loan and lease loss provision to assets | 0.1990% | 1,085 |
| Net operating income to assets | 1.2242% | 1,520 |
| Return on assets (ROA) | 1.3218% | 1,309 |
| Pretax return on assets | 1.7934% | 892 |
| Return on Equity (ROE) | 13.6512% | 896 |
| Retained earnings to average equity (ytd only) | 7.5128% | 1,375 |
| Net charge-offs to loans | 0.2396% | 987 |
| Credit loss provision to net charge-offs | 119.3798% | 1,878 |
| Earnings coverage of net charge-offs (x) | 11.1628% | 2,280 |
| Efficiency ratio | 44.0124% | 5,812 |
| Assets per employee ($millions) | 9.2031% | 361 |
| Cash dividends to net income (ytd only)* | 44.9658% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2014% | 539 |
| Loan loss allowance to noncurrent loans | 171.7359% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 2,310 |
| Noncurrent loans to loans | 1.2819% | 1,774 |
| Net loans and leases to total assets | 69.8436% | 2,507 |
| Net loans and leases to deposits | 83.9851% | 2,469 |
| Net loans and leases to core deposits | 93.9017% | 2,177 |
| Total domestic deposits to total assets | 83.1619% | 3,591 |
| Equity capital to assets | 10.4429% | 3,703 |
| Core capital (leverage) ratio | 9.1949% | 4,604 |
| Tier 1 risk-based capital ratio | 11.7043% | 5,030 |
| Total risk-based capital ratio | 12.9621% | 4,917 |
| Memoranda: | ||
| Average total assets | $154,793,670 | 3,486 |
| Average earning assets | $147,621,670 | 3,440 |
| Average equity | $14,987,670 | 3,854 |
| Average total loans | $107,692,000 | 3,276 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 3,582 |
| Cost of funding earning assets | 0.6684% | 953 |
| Net interest margin | 3.2343% | 4,459 |
| Noninterest income to average assets | 0.1715% | 5,460 |
| Noninterest expense to average assets | 1.3773% | 5,969 |
| Loan and lease loss provision to assets | 0.2220% | 858 |
| Net operating income to assets | 1.2259% | 1,472 |
| Return on assets (ROA) | 1.2462% | 1,518 |
| Pretax return on assets | 1.7002% | 1,070 |
| Return on Equity (ROE) | 13.3577% | 955 |
| Retained earnings to average equity (ytd only) | 7.1385% | 1,823 |
| Net charge-offs to loans | 0.4736% | 471 |
| Credit loss provision to net charge-offs | 68.2171% | 1,915 |
| Earnings coverage of net charge-offs (x) | 5.8217% | 2,293 |
| Efficiency ratio | 42.0971% | 5,919 |
| Assets per employee ($millions) | 9.9723% | 282 |
| Cash dividends to net income (ytd only)* | 46.5587% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1069% | 678 |
| Loan loss allowance to noncurrent loans | 176.3922% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 2,679 |
| Noncurrent loans to loans | 1.1944% | 2,029 |
| Net loans and leases to total assets | 65.4911% | 3,030 |
| Net loans and leases to deposits | 79.3547% | 2,873 |
| Net loans and leases to core deposits | 85.8578% | 2,761 |
| Total domestic deposits to total assets | 82.5296% | 4,057 |
| Equity capital to assets | 9.3804% | 4,795 |
| Core capital (leverage) ratio | 8.9284% | 4,940 |
| Tier 1 risk-based capital ratio | 11.2065% | 5,393 |
| Total risk-based capital ratio | 12.4629% | 5,298 |
| Memoranda: | ||
| Average total assets | $158,566,000 | 3,467 |
| Average earning assets | $151,994,000 | 3,394 |
| Average equity | $14,793,000 | 3,895 |
| Average total loans | $108,958,500 | 3,258 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0115% | 3,271 |
| Cost of funding earning assets | 0.6639% | 993 |
| Net interest margin | 3.3475% | 4,123 |
| Noninterest income to average assets | 0.1261% | 5,784 |
| Noninterest expense to average assets | 1.5114% | 5,980 |
| Loan and lease loss provision to assets | 0.2802% | 648 |
| Net operating income to assets | 1.1965% | 1,564 |
| Return on assets (ROA) | 1.2266% | 1,523 |
| Pretax return on assets | 1.6009% | 1,246 |
| Return on Equity (ROE) | 12.6276% | 1,146 |
| Retained earnings to average equity (ytd only) | -1.4793% | 5,707 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0721% | 5,951 |
| Assets per employee ($millions) | 9.8485% | 288 |
| Cash dividends to net income (ytd only)* | 111.7146% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0599% | 725 |
| Loan loss allowance to noncurrent loans | 163.6883% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 2,426 |
| Noncurrent loans to loans | 1.2584% | 1,870 |
| Net loans and leases to total assets | 69.0987% | 2,520 |
| Net loans and leases to deposits | 80.9533% | 2,712 |
| Net loans and leases to core deposits | 86.7843% | 2,721 |
| Total domestic deposits to total assets | 85.3563% | 2,922 |
| Equity capital to assets | 9.2774% | 4,815 |
| Core capital (leverage) ratio | 8.3534% | 5,566 |
| Tier 1 risk-based capital ratio | 10.4282% | 5,808 |
| Total risk-based capital ratio | 11.6840% | 5,728 |
| Memoranda: | ||
| Average total assets | $153,101,400 | 3,525 |
| Average earning assets | $147,602,400 | 3,440 |
| Average equity | $14,872,200 | 3,856 |
| Average total loans | $103,184,200 | 3,330 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 3,380 |
| Cost of funding earning assets | 0.6560% | 1,058 |
| Net interest margin | 3.3344% | 4,203 |
| Noninterest income to average assets | 0.1597% | 5,689 |
| Noninterest expense to average assets | 1.5273% | 6,022 |
| Loan and lease loss provision to assets | 0.2728% | 590 |
| Net operating income to assets | 1.2009% | 1,648 |
| Return on assets (ROA) | 1.2229% | 1,640 |
| Pretax return on assets | 1.6080% | 1,358 |
| Return on Equity (ROE) | 12.4443% | 1,254 |
| Retained earnings to average equity (ytd only) | -4.3921% | 6,006 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1973% | 5,992 |
| Assets per employee ($millions) | 10.1051% | 258 |
| Cash dividends to net income (ytd only)* | 135.2939% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1256% | 735 |
| Loan loss allowance to noncurrent loans | 152.7056% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.8353% | 2,784 |
| Noncurrent loans to loans | 1.3920% | 1,835 |
| Net loans and leases to total assets | 58.2451% | 4,108 |
| Net loans and leases to deposits | 67.7640% | 4,215 |
| Net loans and leases to core deposits | 72.1683% | 4,177 |
| Total domestic deposits to total assets | 85.9529% | 2,548 |
| Equity capital to assets | 8.3360% | 5,809 |
| Core capital (leverage) ratio | 8.8654% | 5,162 |
| Tier 1 risk-based capital ratio | 11.1441% | 5,581 |
| Total risk-based capital ratio | 12.4008% | 5,466 |
| Memoranda: | ||
| Average total assets | $151,982,750 | 3,571 |
| Average earning assets | $146,750,750 | 3,478 |
| Average equity | $14,935,500 | 3,886 |
| Average total loans | $101,187,000 | 3,401 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 2,702 |
| Cost of funding earning assets | 0.6700% | 996 |
| Net interest margin | 3.4853% | 3,560 |
| Noninterest income to average assets | 0.1376% | 5,871 |
| Noninterest expense to average assets | 1.6013% | 6,048 |
| Loan and lease loss provision to assets | 0.1995% | 984 |
| Net operating income to assets | 1.2587% | 1,430 |
| Return on assets (ROA) | 1.2821% | 1,433 |
| Pretax return on assets | 1.7320% | 1,017 |
| Return on Equity (ROE) | 12.3112% | 1,280 |
| Retained earnings to average equity (ytd only) | 6.7104% | 1,840 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7367% | 6,051 |
| Assets per employee ($millions) | 8.5503% | 431 |
| Cash dividends to net income (ytd only)* | 45.4936% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9468% | 1,077 |
| Loan loss allowance to noncurrent loans | 138.7275% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.0031% | 2,518 |
| Noncurrent loans to loans | 1.4033% | 1,921 |
| Net loans and leases to total assets | 69.5098% | 2,403 |
| Net loans and leases to deposits | 86.6801% | 1,982 |
| Net loans and leases to core deposits | 93.3798% | 2,018 |
| Total domestic deposits to total assets | 80.1913% | 4,819 |
| Equity capital to assets | 10.5328% | 3,409 |
| Core capital (leverage) ratio | 10.1701% | 3,374 |
| Tier 1 risk-based capital ratio | 12.6236% | 4,726 |
| Total risk-based capital ratio | 13.8797% | 4,652 |
| Memoranda: | ||
| Average total assets | $145,381,670 | 3,704 |
| Average earning assets | $140,302,670 | 3,598 |
| Average equity | $15,140,670 | 3,864 |
| Average total loans | $100,839,330 | 3,426 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 2,689 |
| Cost of funding earning assets | 0.6556% | 1,076 |
| Net interest margin | 3.4796% | 3,512 |
| Noninterest income to average assets | 0.1458% | 5,869 |
| Noninterest expense to average assets | 1.5516% | 6,144 |
| Loan and lease loss provision to assets | 0.1871% | 1,010 |
| Net operating income to assets | 1.2246% | 1,477 |
| Return on assets (ROA) | 1.2683% | 1,444 |
| Pretax return on assets | 1.8433% | 805 |
| Return on Equity (ROE) | 12.2476% | 1,282 |
| Retained earnings to average equity (ytd only) | 6.6153% | 2,183 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0970% | 6,176 |
| Assets per employee ($millions) | 8.5133% | 437 |
| Cash dividends to net income (ytd only)* | 45.9870% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9801% | 1,120 |
| Loan loss allowance to noncurrent loans | 143.3135% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 2,750 |
| Noncurrent loans to loans | 1.3816% | 2,076 |
| Net loans and leases to total assets | 65.9805% | 2,775 |
| Net loans and leases to deposits | 80.2182% | 2,537 |
| Net loans and leases to core deposits | 86.9792% | 2,437 |
| Total domestic deposits to total assets | 82.2513% | 4,438 |
| Equity capital to assets | 10.5517% | 3,476 |
| Core capital (leverage) ratio | 10.1096% | 3,460 |
| Tier 1 risk-based capital ratio | 12.5816% | 4,848 |
| Total risk-based capital ratio | 13.8367% | 4,764 |
| Memoranda: | ||
| Average total assets | $145,395,000 | 3,724 |
| Average earning assets | $140,934,500 | 3,610 |
| Average equity | $15,056,000 | 3,904 |
| Average total loans | $99,738,000 | 3,458 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 2,693 |
| Cost of funding earning assets | 0.6748% | 1,244 |
| Net interest margin | 3.6009% | 3,411 |
| Noninterest income to average assets | 0.1424% | 5,983 |
| Noninterest expense to average assets | 1.4609% | 6,319 |
| Loan and lease loss provision to assets | 0.4101% | 431 |
| Net operating income to assets | 1.2163% | 1,539 |
| Return on assets (ROA) | 1.2168% | 1,590 |
| Pretax return on assets | 1.7515% | 890 |
| Return on Equity (ROE) | 12.1925% | 1,356 |
| Retained earnings to average equity (ytd only) | 6.5983% | 1,598 |
| Net charge-offs to loans | 0.4387% | 964 |
| Credit loss provision to net charge-offs | 142.8928% | 1,663 |
| Earnings coverage of net charge-offs (x) | 7.5287% | 3,021 |
| Efficiency ratio | 40.3360% | 6,394 |
| Assets per employee ($millions) | 8.1147% | 516 |
| Cash dividends to net income (ytd only)* | 45.8824% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 1,485 |
| Loan loss allowance to noncurrent loans | 148.0509% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.8763% | 3,016 |
| Noncurrent loans to loans | 1.2317% | 2,393 |
| Net loans and leases to total assets | 68.5966% | 2,471 |
| Net loans and leases to deposits | 84.0618% | 2,209 |
| Net loans and leases to core deposits | 90.5292% | 2,231 |
| Total domestic deposits to total assets | 81.6026% | 4,569 |
| Equity capital to assets | 10.1606% | 3,907 |
| Core capital (leverage) ratio | 9.8156% | 3,818 |
| Tier 1 risk-based capital ratio | 12.9152% | 4,783 |
| Total risk-based capital ratio | 14.1704% | 4,700 |
| Memoranda: | ||
| Average total assets | $139,712,200 | 3,806 |
| Average earning assets | $134,993,800 | 3,674 |
| Average equity | $13,943,000 | 4,035 |
| Average total loans | $91,398,400 | 3,605 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 2,697 |
| Cost of funding earning assets | 0.6761% | 1,286 |
| Net interest margin | 3.6075% | 3,398 |
| Noninterest income to average assets | 0.1091% | 6,210 |
| Noninterest expense to average assets | 1.4769% | 6,367 |
| Loan and lease loss provision to assets | 0.3407% | 526 |
| Net operating income to assets | 1.2339% | 1,565 |
| Return on assets (ROA) | 1.2346% | 1,625 |
| Pretax return on assets | 1.7742% | 932 |
| Return on Equity (ROE) | 12.4306% | 1,357 |
| Retained earnings to average equity (ytd only) | 6.7450% | 1,958 |
| Net charge-offs to loans | 0.6100% | 602 |
| Credit loss provision to net charge-offs | 86.9458% | 2,481 |
| Earnings coverage of net charge-offs (x) | 5.3941% | 3,273 |
| Efficiency ratio | 41.1290% | 6,433 |
| Assets per employee ($millions) | 8.5025% | 423 |
| Cash dividends to net income (ytd only)* | 45.7388% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 1,749 |
| Loan loss allowance to noncurrent loans | 117.7826% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 3,013 |
| Noncurrent loans to loans | 1.5068% | 2,152 |
| Net loans and leases to total assets | 62.6434% | 3,391 |
| Net loans and leases to deposits | 75.0516% | 3,304 |
| Net loans and leases to core deposits | 80.9147% | 3,206 |
| Total domestic deposits to total assets | 83.4671% | 3,965 |
| Equity capital to assets | 9.9092% | 4,286 |
| Core capital (leverage) ratio | 9.8972% | 3,823 |
| Tier 1 risk-based capital ratio | 14.0869% | 4,155 |
| Total risk-based capital ratio | 15.3423% | 4,088 |
| Memoranda: | ||
| Average total assets | $138,124,250 | 3,861 |
| Average earning assets | $133,309,750 | 3,734 |
| Average equity | $13,718,500 | 4,090 |
| Average total loans | $88,734,000 | 3,688 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 2,389 |
| Cost of funding earning assets | 0.6800% | 1,311 |
| Net interest margin | 3.6682% | 3,074 |
| Noninterest income to average assets | 0.1721% | 5,921 |
| Noninterest expense to average assets | 1.5031% | 6,421 |
| Loan and lease loss provision to assets | 0.4089% | 408 |
| Net operating income to assets | 1.2559% | 1,429 |
| Return on assets (ROA) | 1.2487% | 1,511 |
| Pretax return on assets | 1.7884% | 860 |
| Return on Equity (ROE) | 12.5620% | 1,293 |
| Retained earnings to average equity (ytd only) | 6.7914% | 1,876 |
| Net charge-offs to loans | 1.0390% | 332 |
| Credit loss provision to net charge-offs | 61.0989% | 2,618 |
| Earnings coverage of net charge-offs (x) | 3.2989% | 3,349 |
| Efficiency ratio | 40.5073% | 6,512 |
| Assets per employee ($millions) | 7.9686% | 503 |
| Cash dividends to net income (ytd only)* | 45.9364% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 2,150 |
| Loan loss allowance to noncurrent loans | 115.1561% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9862% | 3,087 |
| Noncurrent loans to loans | 1.4703% | 2,356 |
| Net loans and leases to total assets | 64.8047% | 2,944 |
| Net loans and leases to deposits | 76.9917% | 2,932 |
| Net loans and leases to core deposits | 82.7659% | 2,890 |
| Total domestic deposits to total assets | 84.1711% | 3,865 |
| Equity capital to assets | 10.3974% | 3,566 |
| Core capital (leverage) ratio | 9.9592% | 3,667 |
| Tier 1 risk-based capital ratio | 14.2298% | 4,110 |
| Total risk-based capital ratio | 15.4843% | 4,038 |
| Memoranda: | ||
| Average total assets | $135,985,000 | 3,922 |
| Average earning assets | $131,181,330 | 3,781 |
| Average equity | $13,517,000 | 4,129 |
| Average total loans | $87,584,670 | 3,729 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3305% | 2,408 |
| Cost of funding earning assets | 0.6857% | 1,335 |
| Net interest margin | 3.6448% | 3,082 |
| Noninterest income to average assets | 0.2231% | 5,569 |
| Noninterest expense to average assets | 1.5384% | 6,466 |
| Loan and lease loss provision to assets | 0.3875% | 435 |
| Net operating income to assets | 1.2654% | 1,306 |
| Return on assets (ROA) | 1.2654% | 1,359 |
| Pretax return on assets | 1.8085% | 790 |
| Return on Equity (ROE) | 13.0280% | 1,156 |
| Retained earnings to average equity (ytd only) | 7.1337% | 1,964 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1950% | 6,566 |
| Assets per employee ($millions) | 7.9881% | 486 |
| Cash dividends to net income (ytd only)* | 45.2436% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0797% | 1,370 |
| Loan loss allowance to noncurrent loans | 75.4662% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.8366% | 1,894 |
| Noncurrent loans to loans | 2.7559% | 1,217 |
| Net loans and leases to total assets | 63.1364% | 3,046 |
| Net loans and leases to deposits | 74.2906% | 3,028 |
| Net loans and leases to core deposits | 79.5882% | 3,024 |
| Total domestic deposits to total assets | 84.9858% | 3,875 |
| Equity capital to assets | 9.9552% | 3,897 |
| Core capital (leverage) ratio | 9.6813% | 4,024 |
| Tier 1 risk-based capital ratio | 14.2256% | 4,179 |
| Total risk-based capital ratio | 15.4836% | 4,121 |
| Memoranda: | ||
| Average total assets | $136,244,000 | 3,951 |
| Average earning assets | $131,255,500 | 3,815 |
| Average equity | $13,233,000 | 4,194 |
| Average total loans | $86,726,500 | 3,780 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 2,859 |
| Cost of funding earning assets | 0.7863% | 1,285 |
| Net interest margin | 3.5397% | 3,728 |
| Noninterest income to average assets | 0.2319% | 5,685 |
| Noninterest expense to average assets | 1.4692% | 6,588 |
| Loan and lease loss provision to assets | 0.5854% | 437 |
| Net operating income to assets | 1.1317% | 1,826 |
| Return on assets (ROA) | 1.1436% | 1,846 |
| Pretax return on assets | 1.6002% | 1,168 |
| Return on Equity (ROE) | 11.8116% | 1,482 |
| Retained earnings to average equity (ytd only) | 6.0380% | 1,946 |
| Net charge-offs to loans | 1.8064% | 225 |
| Credit loss provision to net charge-offs | 51.8135% | 3,769 |
| Earnings coverage of net charge-offs (x) | 1.9197% | 4,411 |
| Efficiency ratio | 40.3862% | 6,685 |
| Assets per employee ($millions) | 8.0406% | 462 |
| Cash dividends to net income (ytd only)* | 48.8804% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9664% | 1,634 |
| Loan loss allowance to noncurrent loans | 71.2057% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.8436% | 1,982 |
| Noncurrent loans to loans | 2.7615% | 1,291 |
| Net loans and leases to total assets | 61.6029% | 3,424 |
| Net loans and leases to deposits | 72.4799% | 3,462 |
| Net loans and leases to core deposits | 77.4377% | 3,430 |
| Total domestic deposits to total assets | 84.9930% | 3,756 |
| Equity capital to assets | 9.4718% | 4,469 |
| Core capital (leverage) ratio | 9.3769% | 4,440 |
| Tier 1 risk-based capital ratio | 13.9304% | 4,341 |
| Total risk-based capital ratio | 15.1876% | 4,275 |
| Memoranda: | ||
| Average total assets | $136,669,000 | 3,943 |
| Average earning assets | $131,507,200 | 3,814 |
| Average equity | $13,232,800 | 4,219 |
| Average total loans | $85,472,800 | 3,788 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3189% | 2,909 |
| Cost of funding earning assets | 0.8016% | 1,315 |
| Net interest margin | 3.5173% | 3,802 |
| Noninterest income to average assets | 0.2244% | 5,820 |
| Noninterest expense to average assets | 1.4644% | 6,659 |
| Loan and lease loss provision to assets | 0.5658% | 454 |
| Net operating income to assets | 1.1276% | 1,895 |
| Return on assets (ROA) | 1.1415% | 1,921 |
| Pretax return on assets | 1.6000% | 1,338 |
| Return on Equity (ROE) | 11.7253% | 1,572 |
| Retained earnings to average equity (ytd only) | 5.9829% | 2,422 |
| Net charge-offs to loans | 2.1054% | 171 |
| Credit loss provision to net charge-offs | 43.0267% | 3,652 |
| Earnings coverage of net charge-offs (x) | 1.6320% | 4,294 |
| Efficiency ratio | 40.5566% | 6,739 |
| Assets per employee ($millions) | 7.7533% | 521 |
| Cash dividends to net income (ytd only)* | 48.9743% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2092% | 1,312 |
| Loan loss allowance to noncurrent loans | 170.5943% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 3,972 |
| Noncurrent loans to loans | 1.2950% | 3,242 |
| Net loans and leases to total assets | 52.8103% | 4,775 |
| Net loans and leases to deposits | 62.5771% | 4,686 |
| Net loans and leases to core deposits | 66.7282% | 4,646 |
| Total domestic deposits to total assets | 84.3924% | 4,029 |
| Equity capital to assets | 9.2355% | 4,890 |
| Core capital (leverage) ratio | 9.4570% | 4,464 |
| Tier 1 risk-based capital ratio | 15.1069% | 3,679 |
| Total risk-based capital ratio | 16.3658% | 3,627 |
| Memoranda: | ||
| Average total assets | $136,663,750 | 3,983 |
| Average earning assets | $131,574,000 | 3,847 |
| Average equity | $13,304,250 | 4,249 |
| Average total loans | $85,367,500 | 3,828 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 2,467 |
| Cost of funding earning assets | 0.8185% | 1,313 |
| Net interest margin | 3.6093% | 3,321 |
| Noninterest income to average assets | 0.2137% | 5,915 |
| Noninterest expense to average assets | 1.4945% | 6,673 |
| Loan and lease loss provision to assets | 0.5660% | 459 |
| Net operating income to assets | 1.1673% | 1,679 |
| Return on assets (ROA) | 1.1673% | 1,790 |
| Pretax return on assets | 1.6434% | 1,245 |
| Return on Equity (ROE) | 11.7834% | 1,561 |
| Retained earnings to average equity (ytd only) | 6.1000% | 2,373 |
| Net charge-offs to loans | 1.0913% | 552 |
| Credit loss provision to net charge-offs | 79.3388% | 2,637 |
| Earnings coverage of net charge-offs (x) | 3.0971% | 3,497 |
| Efficiency ratio | 40.3502% | 6,790 |
| Assets per employee ($millions) | 7.4454% | 584 |
| Cash dividends to net income (ytd only)* | 48.2323% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7643% | 738 |
| Loan loss allowance to noncurrent loans | 123.8980% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.5483% | 2,786 |
| Noncurrent loans to loans | 2.2311% | 2,133 |
| Net loans and leases to total assets | 61.2348% | 3,440 |
| Net loans and leases to deposits | 72.3645% | 3,404 |
| Net loans and leases to core deposits | 77.3461% | 3,379 |
| Total domestic deposits to total assets | 84.6199% | 4,075 |
| Equity capital to assets | 9.8637% | 4,105 |
| Core capital (leverage) ratio | 9.3260% | 4,500 |
| Tier 1 risk-based capital ratio | 14.2080% | 4,283 |
| Total risk-based capital ratio | 15.4749% | 4,230 |
| Memoranda: | ||
| Average total assets | $135,698,330 | 4,032 |
| Average earning assets | $131,217,670 | 3,879 |
| Average equity | $13,442,670 | 4,253 |
| Average total loans | $88,701,000 | 3,754 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 2,395 |
| Cost of funding earning assets | 0.8288% | 1,374 |
| Net interest margin | 3.6086% | 3,224 |
| Noninterest income to average assets | 0.1728% | 6,224 |
| Noninterest expense to average assets | 1.4882% | 6,752 |
| Loan and lease loss provision to assets | 0.5713% | 450 |
| Net operating income to assets | 1.1484% | 1,683 |
| Return on assets (ROA) | 1.1484% | 1,787 |
| Pretax return on assets | 1.6083% | 1,290 |
| Return on Equity (ROE) | 11.5681% | 1,535 |
| Retained earnings to average equity (ytd only) | 5.9316% | 2,715 |
| Net charge-offs to loans | 0.0484% | 3,354 |
| Credit loss provision to net charge-offs | 1,772.7273% | 184 |
| Earnings coverage of net charge-offs (x) | 67.6364% | 527 |
| Efficiency ratio | 40.5751% | 6,861 |
| Assets per employee ($millions) | 7.6246% | 581 |
| Cash dividends to net income (ytd only)* | 48.7245% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8824% | 745 |
| Loan loss allowance to noncurrent loans | 109.2237% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.7589% | 2,652 |
| Noncurrent loans to loans | 2.6390% | 1,950 |
| Net loans and leases to total assets | 64.2474% | 2,659 |
| Net loans and leases to deposits | 75.9520% | 2,641 |
| Net loans and leases to core deposits | 81.2179% | 2,666 |
| Total domestic deposits to total assets | 84.5894% | 4,229 |
| Equity capital to assets | 9.9269% | 4,243 |
| Core capital (leverage) ratio | 9.3921% | 4,258 |
| Tier 1 risk-based capital ratio | 13.3153% | 4,999 |
| Total risk-based capital ratio | 14.5838% | 4,937 |
| Memoranda: | ||
| Average total assets | $136,539,000 | 4,051 |
| Average earning assets | $132,240,000 | 3,893 |
| Average equity | $13,554,500 | 4,277 |
| Average total loans | $90,852,500 | 3,725 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 2,769 |
| Cost of funding earning assets | 1.0079% | 1,319 |
| Net interest margin | 3.6492% | 3,879 |
| Noninterest income to average assets | 0.2076% | 5,930 |
| Noninterest expense to average assets | 1.4119% | 6,908 |
| Loan and lease loss provision to assets | 0.6484% | 825 |
| Net operating income to assets | 1.1902% | 1,637 |
| Return on assets (ROA) | 1.2095% | 1,737 |
| Pretax return on assets | 1.6958% | 1,144 |
| Return on Equity (ROE) | 12.2199% | 1,439 |
| Retained earnings to average equity (ytd only) | 2.3343% | 4,591 |
| Net charge-offs to loans | 0.0839% | 4,839 |
| Credit loss provision to net charge-offs | 1,194.5946% | 216 |
| Earnings coverage of net charge-offs (x) | 42.6892% | 758 |
| Efficiency ratio | 37.8639% | 6,975 |
| Assets per employee ($millions) | 7.5464% | 615 |
| Cash dividends to net income (ytd only)* | 80.8975% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6762% | 950 |
| Loan loss allowance to noncurrent loans | 177.9810% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 1.0557% | 3,918 |
| Noncurrent loans to loans | 1.5036% | 3,348 |
| Net loans and leases to total assets | 65.1379% | 2,686 |
| Net loans and leases to deposits | 77.9608% | 2,539 |
| Net loans and leases to core deposits | 82.7109% | 2,696 |
| Total domestic deposits to total assets | 83.5521% | 4,519 |
| Equity capital to assets | 9.9275% | 4,273 |
| Core capital (leverage) ratio | 8.9731% | 4,940 |
| Tier 1 risk-based capital ratio | 12.9991% | 5,107 |
| Total risk-based capital ratio | 14.2650% | 5,037 |
| Memoranda: | ||
| Average total assets | $136,336,400 | 4,016 |
| Average earning assets | $131,564,000 | 3,857 |
| Average equity | $13,494,400 | 4,260 |
| Average total loans | $88,173,400 | 3,792 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 3,072 |
| Cost of funding earning assets | 1.0399% | 1,345 |
| Net interest margin | 3.5966% | 4,245 |
| Noninterest income to average assets | 0.1964% | 6,123 |
| Noninterest expense to average assets | 1.3923% | 6,997 |
| Loan and lease loss provision to assets | 0.5833% | 971 |
| Net operating income to assets | 1.2067% | 1,711 |
| Return on assets (ROA) | 1.2115% | 1,874 |
| Pretax return on assets | 1.6981% | 1,275 |
| Return on Equity (ROE) | 12.2495% | 1,549 |
| Retained earnings to average equity (ytd only) | 6.5891% | 2,335 |
| Net charge-offs to loans | 0.1387% | 4,005 |
| Credit loss provision to net charge-offs | 656.0440% | 411 |
| Earnings coverage of net charge-offs (x) | 25.5825% | 1,245 |
| Efficiency ratio | 37.9696% | 7,045 |
| Assets per employee ($millions) | 8.3748% | 419 |
| Cash dividends to net income (ytd only)* | 46.2097% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5189% | 1,186 |
| Loan loss allowance to noncurrent loans | 109.6857% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.5242% | 3,294 |
| Noncurrent loans to loans | 2.2965% | 2,513 |
| Net loans and leases to total assets | 57.8713% | 4,155 |
| Net loans and leases to deposits | 68.7499% | 4,064 |
| Net loans and leases to core deposits | 72.6997% | 4,169 |
| Total domestic deposits to total assets | 84.1766% | 4,136 |
| Equity capital to assets | 9.8609% | 4,694 |
| Core capital (leverage) ratio | 9.3712% | 4,474 |
| Tier 1 risk-based capital ratio | 14.3171% | 4,318 |
| Total risk-based capital ratio | 15.5815% | 4,278 |
| Memoranda: | ||
| Average total assets | $136,461,750 | 4,053 |
| Average earning assets | $131,676,500 | 3,899 |
| Average equity | $13,496,750 | 4,297 |
| Average total loans | $87,488,500 | 3,848 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7954% | 2,529 |
| Cost of funding earning assets | 1.0915% | 1,250 |
| Net interest margin | 3.7038% | 3,796 |
| Noninterest income to average assets | 0.2394% | 5,854 |
| Noninterest expense to average assets | 1.4127% | 7,052 |
| Loan and lease loss provision to assets | 0.6157% | 953 |
| Net operating income to assets | 1.2641% | 1,530 |
| Return on assets (ROA) | 1.2715% | 1,678 |
| Pretax return on assets | 1.7890% | 1,066 |
| Return on Equity (ROE) | 12.8417% | 1,408 |
| Retained earnings to average equity (ytd only) | 7.1042% | 2,043 |
| Net charge-offs to loans | 0.1605% | 3,640 |
| Credit loss provision to net charge-offs | 583.0986% | 534 |
| Earnings coverage of net charge-offs (x) | 22.6761% | 1,282 |
| Efficiency ratio | 37.1094% | 7,108 |
| Assets per employee ($millions) | 7.6925% | 536 |
| Cash dividends to net income (ytd only)* | 44.6784% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3230% | 1,548 |
| Loan loss allowance to noncurrent loans | 102.9859% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.6984% | 3,170 |
| Noncurrent loans to loans | 2.2556% | 2,668 |
| Net loans and leases to total assets | 63.2141% | 3,198 |
| Net loans and leases to deposits | 74.2014% | 3,258 |
| Net loans and leases to core deposits | 78.2742% | 3,470 |
| Total domestic deposits to total assets | 85.1927% | 3,772 |
| Equity capital to assets | 10.4563% | 3,738 |
| Core capital (leverage) ratio | 9.2775% | 4,486 |
| Tier 1 risk-based capital ratio | 14.0425% | 4,422 |
| Total risk-based capital ratio | 15.3074% | 4,368 |
| Memoranda: | ||
| Average total assets | $134,492,000 | 4,107 |
| Average earning assets | $129,541,000 | 3,969 |
| Average equity | $13,316,000 | 4,338 |
| Average total loans | $88,477,670 | 3,841 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 2,632 |
| Cost of funding earning assets | 1.1127% | 1,334 |
| Net interest margin | 3.6887% | 3,880 |
| Noninterest income to average assets | 0.2171% | 6,061 |
| Noninterest expense to average assets | 1.4257% | 7,101 |
| Loan and lease loss provision to assets | 0.5515% | 1,066 |
| Net operating income to assets | 1.2682% | 1,545 |
| Return on assets (ROA) | 1.2702% | 1,706 |
| Pretax return on assets | 1.7924% | 1,082 |
| Return on Equity (ROE) | 13.1841% | 1,357 |
| Retained earnings to average equity (ytd only) | 7.3685% | 2,245 |
| Net charge-offs to loans | 0.2389% | 2,742 |
| Credit loss provision to net charge-offs | 348.1481% | 875 |
| Earnings coverage of net charge-offs (x) | 14.7778% | 1,453 |
| Efficiency ratio | 37.8505% | 7,153 |
| Assets per employee ($millions) | 7.9835% | 483 |
| Cash dividends to net income (ytd only)* | 44.1109% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9912% | 2,386 |
| Loan loss allowance to noncurrent loans | 94.6150% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.5982% | 3,451 |
| Noncurrent loans to loans | 2.1045% | 3,027 |
| Net loans and leases to total assets | 63.7214% | 2,906 |
| Net loans and leases to deposits | 76.5118% | 2,727 |
| Net loans and leases to core deposits | 80.5188% | 3,008 |
| Total domestic deposits to total assets | 83.2831% | 4,821 |
| Equity capital to assets | 9.7658% | 4,430 |
| Core capital (leverage) ratio | 9.0769% | 4,717 |
| Tier 1 risk-based capital ratio | 13.1924% | 5,074 |
| Total risk-based capital ratio | 14.4504% | 5,038 |
| Memoranda: | ||
| Average total assets | $136,351,500 | 4,104 |
| Average earning assets | $131,210,500 | 3,963 |
| Average equity | $13,137,000 | 4,380 |
| Average total loans | $90,400,000 | 3,817 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0373% | 2,725 |
| Cost of funding earning assets | 1.4078% | 1,004 |
| Net interest margin | 3.6295% | 4,611 |
| Noninterest income to average assets | 0.2282% | 5,898 |
| Noninterest expense to average assets | 1.4877% | 7,176 |
| Loan and lease loss provision to assets | 0.6641% | 1,540 |
| Net operating income to assets | 1.1591% | 1,641 |
| Return on assets (ROA) | 1.1552% | 1,764 |
| Pretax return on assets | 1.5753% | 1,263 |
| Return on Equity (ROE) | 12.5464% | 1,269 |
| Retained earnings to average equity (ytd only) | 6.2773% | 1,863 |
| Net charge-offs to loans | 0.9616% | 1,793 |
| Credit loss provision to net charge-offs | 101.9722% | 3,404 |
| Earnings coverage of net charge-offs (x) | 3.4466% | 3,519 |
| Efficiency ratio | 39.8583% | 7,214 |
| Assets per employee ($millions) | 8.0579% | 460 |
| Cash dividends to net income (ytd only)* | 49.9673% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 3,009 |
| Loan loss allowance to noncurrent loans | 81.7632% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.6768% | 3,438 |
| Noncurrent loans to loans | 2.1445% | 3,016 |
| Net loans and leases to total assets | 66.3859% | 2,715 |
| Net loans and leases to deposits | 79.5316% | 2,610 |
| Net loans and leases to core deposits | 83.3117% | 2,981 |
| Total domestic deposits to total assets | 83.4711% | 4,555 |
| Equity capital to assets | 9.5048% | 4,885 |
| Core capital (leverage) ratio | 8.6178% | 5,367 |
| Tier 1 risk-based capital ratio | 12.2567% | 5,643 |
| Total risk-based capital ratio | 13.5121% | 5,611 |
| Memoranda: | ||
| Average total assets | $132,353,800 | 4,119 |
| Average earning assets | $127,785,600 | 3,977 |
| Average equity | $12,186,800 | 4,509 |
| Average total loans | $89,640,800 | 3,865 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 2,682 |
| Cost of funding earning assets | 1.4590% | 993 |
| Net interest margin | 3.6254% | 4,677 |
| Noninterest income to average assets | 0.2266% | 5,997 |
| Noninterest expense to average assets | 1.5264% | 7,209 |
| Loan and lease loss provision to assets | 0.6169% | 1,594 |
| Net operating income to assets | 1.1627% | 1,775 |
| Return on assets (ROA) | 1.1575% | 1,901 |
| Pretax return on assets | 1.5762% | 1,449 |
| Return on Equity (ROE) | 12.6780% | 1,367 |
| Retained earnings to average equity (ytd only) | 6.3000% | 2,370 |
| Net charge-offs to loans | 0.8878% | 1,798 |
| Credit loss provision to net charge-offs | 102.5338% | 3,249 |
| Earnings coverage of net charge-offs (x) | 3.6571% | 3,346 |
| Efficiency ratio | 40.9599% | 7,236 |
| Assets per employee ($millions) | 8.0720% | 454 |
| Cash dividends to net income (ytd only)* | 50.3072% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8939% | 2,629 |
| Loan loss allowance to noncurrent loans | 74.0859% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.8218% | 3,362 |
| Noncurrent loans to loans | 2.5564% | 2,711 |
| Net loans and leases to total assets | 61.1905% | 3,903 |
| Net loans and leases to deposits | 73.5381% | 3,718 |
| Net loans and leases to core deposits | 77.1878% | 4,016 |
| Total domestic deposits to total assets | 83.2092% | 4,602 |
| Equity capital to assets | 9.3009% | 5,382 |
| Core capital (leverage) ratio | 8.9287% | 5,055 |
| Tier 1 risk-based capital ratio | 13.4891% | 4,742 |
| Total risk-based capital ratio | 14.7460% | 4,707 |
| Memoranda: | ||
| Average total assets | $131,196,250 | 4,175 |
| Average earning assets | $126,657,500 | 4,023 |
| Average equity | $11,978,500 | 4,575 |
| Average total loans | $88,910,750 | 3,931 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 2,469 |
| Cost of funding earning assets | 1.5259% | 917 |
| Net interest margin | 3.6230% | 4,638 |
| Noninterest income to average assets | 0.2291% | 6,023 |
| Noninterest expense to average assets | 1.5296% | 7,288 |
| Loan and lease loss provision to assets | 0.5960% | 1,623 |
| Net operating income to assets | 1.1735% | 1,652 |
| Return on assets (ROA) | 1.1735% | 1,734 |
| Pretax return on assets | 1.5992% | 1,259 |
| Return on Equity (ROE) | 12.9385% | 1,216 |
| Retained earnings to average equity (ytd only) | 6.4180% | 2,182 |
| Net charge-offs to loans | 0.7465% | 2,011 |
| Credit loss provision to net charge-offs | 114.5833% | 2,673 |
| Earnings coverage of net charge-offs (x) | 4.2202% | 2,925 |
| Efficiency ratio | 41.0640% | 7,319 |
| Assets per employee ($millions) | 7.6706% | 529 |
| Cash dividends to net income (ytd only)* | 50.3958% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 2,925 |
| Loan loss allowance to noncurrent loans | 66.6801% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 2.1503% | 3,048 |
| Noncurrent loans to loans | 2.7272% | 2,668 |
| Net loans and leases to total assets | 68.5238% | 2,512 |
| Net loans and leases to deposits | 80.4514% | 2,715 |
| Net loans and leases to core deposits | 84.3298% | 3,164 |
| Total domestic deposits to total assets | 85.1741% | 3,800 |
| Equity capital to assets | 9.3459% | 5,084 |
| Core capital (leverage) ratio | 8.9425% | 4,819 |
| Tier 1 risk-based capital ratio | 12.3443% | 5,481 |
| Total risk-based capital ratio | 13.6003% | 5,454 |
| Memoranda: | ||
| Average total assets | $129,187,000 | 4,248 |
| Average earning assets | $124,647,330 | 4,104 |
| Average equity | $11,717,000 | 4,636 |
| Average total loans | $90,018,000 | 3,936 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1294% | 2,516 |
| Cost of funding earning assets | 1.5649% | 937 |
| Net interest margin | 3.5645% | 4,748 |
| Noninterest income to average assets | 0.2364% | 6,019 |
| Noninterest expense to average assets | 1.5741% | 7,321 |
| Loan and lease loss provision to assets | 0.5600% | 1,541 |
| Net operating income to assets | 1.1424% | 1,691 |
| Return on assets (ROA) | 1.1355% | 1,761 |
| Pretax return on assets | 1.5368% | 1,340 |
| Return on Equity (ROE) | 12.7156% | 1,267 |
| Retained earnings to average equity (ytd only) | 6.0617% | 2,604 |
| Net charge-offs to loans | 1.3762% | 1,000 |
| Credit loss provision to net charge-offs | 58.4416% | 3,573 |
| Earnings coverage of net charge-offs (x) | 2.1981% | 3,217 |
| Efficiency ratio | 42.7726% | 7,327 |
| Assets per employee ($millions) | 7.5073% | 584 |
| Cash dividends to net income (ytd only)* | 52.3288% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 3,455 |
| Loan loss allowance to noncurrent loans | 71.2289% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.8272% | 3,530 |
| Noncurrent loans to loans | 2.3421% | 3,147 |
| Net loans and leases to total assets | 68.2607% | 2,494 |
| Net loans and leases to deposits | 80.9269% | 2,540 |
| Net loans and leases to core deposits | 85.9769% | 2,877 |
| Total domestic deposits to total assets | 84.3486% | 4,346 |
| Equity capital to assets | 9.1738% | 4,914 |
| Core capital (leverage) ratio | 8.9406% | 4,707 |
| Tier 1 risk-based capital ratio | 12.5098% | 5,255 |
| Total risk-based capital ratio | 13.7647% | 5,231 |
| Memoranda: | ||
| Average total assets | $128,580,500 | 4,292 |
| Average earning assets | $124,225,000 | 4,136 |
| Average equity | $11,482,000 | 4,675 |
| Average total loans | $89,522,000 | 3,989 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1154% | 4,029 |
| Cost of funding earning assets | 1.8099% | 1,128 |
| Net interest margin | 3.3055% | 5,961 |
| Noninterest income to average assets | 0.2293% | 6,162 |
| Noninterest expense to average assets | 1.4237% | 7,472 |
| Loan and lease loss provision to assets | 0.5059% | 3,131 |
| Net operating income to assets | 1.1638% | 1,500 |
| Return on assets (ROA) | 1.1708% | 1,559 |
| Pretax return on assets | 1.5004% | 1,372 |
| Return on Equity (ROE) | 12.7248% | 1,161 |
| Retained earnings to average equity (ytd only) | 5.9501% | 1,840 |
| Net charge-offs to loans | 0.0412% | 6,390 |
| Credit loss provision to net charge-offs | 1,878.7879% | 124 |
| Earnings coverage of net charge-offs (x) | 74.1818% | 325 |
| Efficiency ratio | 41.6170% | 7,473 |
| Assets per employee ($millions) | 7.6198% | 560 |
| Cash dividends to net income (ytd only)* | 53.2404% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 2,943 |
| Loan loss allowance to noncurrent loans | 71.8890% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.8126% | 3,610 |
| Noncurrent loans to loans | 2.4699% | 3,055 |
| Net loans and leases to total assets | 68.5850% | 2,844 |
| Net loans and leases to deposits | 82.1161% | 2,777 |
| Net loans and leases to core deposits | 86.4644% | 3,257 |
| Total domestic deposits to total assets | 83.5221% | 4,594 |
| Equity capital to assets | 8.6894% | 5,599 |
| Core capital (leverage) ratio | 8.7077% | 5,006 |
| Tier 1 risk-based capital ratio | 12.0934% | 5,392 |
| Total risk-based capital ratio | 13.3488% | 5,371 |
| Memoranda: | ||
| Average total assets | $122,564,800 | 4,431 |
| Average earning assets | $118,348,200 | 4,270 |
| Average equity | $11,277,200 | 4,800 |
| Average total loans | $80,193,400 | 4,340 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1510% | 4,074 |
| Cost of funding earning assets | 1.8564% | 1,183 |
| Net interest margin | 3.2946% | 6,036 |
| Noninterest income to average assets | 0.2251% | 6,290 |
| Noninterest expense to average assets | 1.4313% | 7,582 |
| Loan and lease loss provision to assets | 0.4635% | 3,155 |
| Net operating income to assets | 1.1868% | 1,632 |
| Return on assets (ROA) | 1.1962% | 1,685 |
| Pretax return on assets | 1.5251% | 1,544 |
| Return on Equity (ROE) | 12.8101% | 1,312 |
| Retained earnings to average equity (ytd only) | 6.0387% | 2,334 |
| Net charge-offs to loans | 0.0687% | 5,830 |
| Credit loss provision to net charge-offs | 1,050.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 44.7767% | 624 |
| Efficiency ratio | 42.0013% | 7,529 |
| Assets per employee ($millions) | 7.4099% | 646 |
| Cash dividends to net income (ytd only)* | 52.8596% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 3,313 |
| Loan loss allowance to noncurrent loans | 40.0401% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 2.8642% | 2,531 |
| Noncurrent loans to loans | 4.1376% | 1,780 |
| Net loans and leases to total assets | 65.9265% | 3,706 |
| Net loans and leases to deposits | 80.0283% | 3,445 |
| Net loans and leases to core deposits | 84.0421% | 3,927 |
| Total domestic deposits to total assets | 82.3790% | 4,847 |
| Equity capital to assets | 9.4309% | 4,941 |
| Core capital (leverage) ratio | 9.0825% | 4,554 |
| Tier 1 risk-based capital ratio | 12.5840% | 4,912 |
| Total risk-based capital ratio | 13.8382% | 4,883 |
| Memoranda: | ||
| Average total assets | $120,821,750 | 4,528 |
| Average earning assets | $116,711,750 | 4,362 |
| Average equity | $11,282,500 | 4,860 |
| Average total loans | $77,629,500 | 4,480 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2202% | 3,851 |
| Cost of funding earning assets | 1.9071% | 1,215 |
| Net interest margin | 3.3131% | 5,970 |
| Noninterest income to average assets | 0.2468% | 6,146 |
| Noninterest expense to average assets | 1.4475% | 7,639 |
| Loan and lease loss provision to assets | 0.4030% | 3,304 |
| Net operating income to assets | 1.2408% | 1,450 |
| Return on assets (ROA) | 1.2644% | 1,461 |
| Pretax return on assets | 1.6238% | 1,237 |
| Return on Equity (ROE) | 13.5880% | 1,121 |
| Retained earnings to average equity (ytd only) | 6.6947% | 1,979 |
| Net charge-offs to loans | 0.0743% | 5,403 |
| Credit loss provision to net charge-offs | 857.1429% | 434 |
| Earnings coverage of net charge-offs (x) | 42.4643% | 692 |
| Efficiency ratio | 42.0283% | 7,589 |
| Assets per employee ($millions) | 6.9614% | 784 |
| Cash dividends to net income (ytd only)* | 50.7304% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 3,309 |
| Loan loss allowance to noncurrent loans | 57.6581% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.8742% | 3,654 |
| Noncurrent loans to loans | 2.8360% | 2,821 |
| Net loans and leases to total assets | 62.5727% | 4,565 |
| Net loans and leases to deposits | 73.3701% | 4,776 |
| Net loans and leases to core deposits | 77.1308% | 5,070 |
| Total domestic deposits to total assets | 85.2836% | 3,474 |
| Equity capital to assets | 9.5873% | 4,570 |
| Core capital (leverage) ratio | 9.0148% | 4,579 |
| Tier 1 risk-based capital ratio | 13.6140% | 3,996 |
| Total risk-based capital ratio | 14.8676% | 3,954 |
| Memoranda: | ||
| Average total assets | $119,106,000 | 4,593 |
| Average earning assets | $114,938,000 | 4,436 |
| Average equity | $11,083,330 | 4,906 |
| Average total loans | $75,357,330 | 4,587 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1238% | 4,419 |
| Cost of funding earning assets | 1.9366% | 1,299 |
| Net interest margin | 3.1872% | 6,327 |
| Noninterest income to average assets | 0.2243% | 6,359 |
| Noninterest expense to average assets | 1.4060% | 7,759 |
| Loan and lease loss provision to assets | 0.3682% | 3,159 |
| Net operating income to assets | 1.2025% | 1,532 |
| Return on assets (ROA) | 1.2052% | 1,602 |
| Pretax return on assets | 1.5332% | 1,436 |
| Return on Equity (ROE) | 13.1483% | 1,223 |
| Retained earnings to average equity (ytd only) | 6.1724% | 2,537 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5532% | 7,664 |
| Assets per employee ($millions) | 7.0492% | 797 |
| Cash dividends to net income (ytd only)* | 53.0556% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 4,008 |
| Loan loss allowance to noncurrent loans | 48.9592% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 1.9935% | 3,512 |
| Noncurrent loans to loans | 3.0232% | 2,652 |
| Net loans and leases to total assets | 62.7077% | 4,612 |
| Net loans and leases to deposits | 75.0135% | 4,577 |
| Net loans and leases to core deposits | 80.8171% | 4,658 |
| Total domestic deposits to total assets | 83.5952% | 4,345 |
| Equity capital to assets | 9.2943% | 4,841 |
| Core capital (leverage) ratio | 9.0403% | 4,495 |
| Tier 1 risk-based capital ratio | 13.0643% | 4,288 |
| Total risk-based capital ratio | 14.3154% | 4,260 |
| Memoranda: | ||
| Average total assets | $119,487,000 | 4,643 |
| Average earning assets | $115,461,000 | 4,483 |
| Average equity | $10,952,000 | 4,989 |
| Average total loans | $75,395,000 | 4,661 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4244% | 4,569 |
| Cost of funding earning assets | 2.3446% | 1,480 |
| Net interest margin | 3.0799% | 6,434 |
| Noninterest income to average assets | 0.2360% | 6,414 |
| Noninterest expense to average assets | 1.5149% | 7,808 |
| Loan and lease loss provision to assets | 0.3596% | 4,647 |
| Net operating income to assets | 1.0894% | 1,541 |
| Return on assets (ROA) | 1.1228% | 1,491 |
| Pretax return on assets | 1.3824% | 1,475 |
| Return on Equity (ROE) | 12.6275% | 1,034 |
| Retained earnings to average equity (ytd only) | 9.6679% | 404 |
| Net charge-offs to loans | 0.2974% | 4,773 |
| Credit loss provision to net charge-offs | 191.5888% | 2,081 |
| Earnings coverage of net charge-offs (x) | 9.0607% | 1,850 |
| Efficiency ratio | 47.1086% | 7,662 |
| Assets per employee ($millions) | 7.0081% | 788 |
| Cash dividends to net income (ytd only)* | 23.4375% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 4,398 |
| Loan loss allowance to noncurrent loans | 37.1491% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 2.3721% | 2,927 |
| Noncurrent loans to loans | 3.6812% | 2,044 |
| Net loans and leases to total assets | 61.6895% | 5,057 |
| Net loans and leases to deposits | 73.8257% | 5,068 |
| Net loans and leases to core deposits | 95.1059% | 4,559 |
| Total domestic deposits to total assets | 83.5609% | 4,252 |
| Equity capital to assets | 9.0367% | 5,080 |
| Core capital (leverage) ratio | 8.9174% | 4,565 |
| Tier 1 risk-based capital ratio | 13.0192% | 4,129 |
| Total risk-based capital ratio | 14.2687% | 4,075 |
| Memoranda: | ||
| Average total assets | $114,002,800 | 4,729 |
| Average earning assets | $110,297,000 | 4,556 |
| Average equity | $10,136,600 | 5,258 |
| Average total loans | $71,964,600 | 4,802 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4486% | 4,694 |
| Cost of funding earning assets | 2.4413% | 1,486 |
| Net interest margin | 3.0073% | 6,589 |
| Noninterest income to average assets | 0.2354% | 6,542 |
| Noninterest expense to average assets | 1.5696% | 7,853 |
| Loan and lease loss provision to assets | 0.3667% | 4,121 |
| Net operating income to assets | 1.0044% | 2,039 |
| Return on assets (ROA) | 1.0456% | 1,974 |
| Pretax return on assets | 1.2586% | 2,083 |
| Return on Equity (ROE) | 11.8109% | 1,411 |
| Retained earnings to average equity (ytd only) | 7.8027% | 1,198 |
| Net charge-offs to loans | 0.4019% | 3,650 |
| Credit loss provision to net charge-offs | 144.1860% | 3,384 |
| Earnings coverage of net charge-offs (x) | 6.1954% | 2,650 |
| Efficiency ratio | 49.9060% | 7,564 |
| Assets per employee ($millions) | 6.4563% | 1,003 |
| Cash dividends to net income (ytd only)* | 33.9366% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 4,408 |
| Loan loss allowance to noncurrent loans | 34.6154% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 2.3534% | 2,927 |
| Noncurrent loans to loans | 3.7994% | 1,955 |
| Net loans and leases to total assets | 59.2731% | 5,697 |
| Net loans and leases to deposits | 70.7683% | 5,815 |
| Net loans and leases to core deposits | 91.1621% | 5,314 |
| Total domestic deposits to total assets | 83.7566% | 3,836 |
| Equity capital to assets | 9.1978% | 5,169 |
| Core capital (leverage) ratio | 8.9103% | 4,793 |
| Tier 1 risk-based capital ratio | 13.2116% | 4,044 |
| Total risk-based capital ratio | 14.4037% | 4,021 |
| Memoranda: | ||
| Average total assets | $112,719,250 | 4,786 |
| Average earning assets | $109,065,250 | 4,621 |
| Average equity | $9,979,250 | 5,342 |
| Average total loans | $71,327,250 | 4,861 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5389% | 4,392 |
| Cost of funding earning assets | 2.5568% | 1,421 |
| Net interest margin | 2.9820% | 6,605 |
| Noninterest income to average assets | 0.2295% | 6,644 |
| Noninterest expense to average assets | 1.6243% | 7,897 |
| Loan and lease loss provision to assets | 0.2510% | 4,562 |
| Net operating income to assets | 1.0169% | 2,048 |
| Return on assets (ROA) | 1.0596% | 1,991 |
| Pretax return on assets | 1.2855% | 2,066 |
| Return on Equity (ROE) | 12.1322% | 1,373 |
| Retained earnings to average equity (ytd only) | 9.0530% | 920 |
| Net charge-offs to loans | 0.5874% | 2,571 |
| Credit loss provision to net charge-offs | 66.3507% | 5,485 |
| Earnings coverage of net charge-offs (x) | 3.9242% | 3,273 |
| Efficiency ratio | 52.2491% | 7,499 |
| Assets per employee ($millions) | 6.2621% | 1,069 |
| Cash dividends to net income (ytd only)* | 25.3807% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 5,980 |
| Loan loss allowance to noncurrent loans | 40.5828% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 1.7176% | 3,609 |
| Noncurrent loans to loans | 2.5558% | 2,835 |
| Net loans and leases to total assets | 63.6550% | 5,053 |
| Net loans and leases to deposits | 76.1346% | 5,154 |
| Net loans and leases to core deposits | 99.0352% | 4,596 |
| Total domestic deposits to total assets | 83.6085% | 3,963 |
| Equity capital to assets | 8.7210% | 5,724 |
| Core capital (leverage) ratio | 8.7852% | 4,961 |
| Tier 1 risk-based capital ratio | 12.9004% | 4,214 |
| Total risk-based capital ratio | 13.8676% | 4,344 |
| Memoranda: | ||
| Average total assets | $111,554,670 | 4,839 |
| Average earning assets | $107,711,670 | 4,684 |
| Average equity | $9,742,670 | 5,439 |
| Average total loans | $71,836,000 | 4,892 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6524% | 4,037 |
| Cost of funding earning assets | 2.6435% | 1,435 |
| Net interest margin | 3.0089% | 6,460 |
| Noninterest income to average assets | 0.2451% | 6,496 |
| Noninterest expense to average assets | 1.5499% | 7,946 |
| Loan and lease loss provision to assets | 0.2163% | 4,286 |
| Net operating income to assets | 1.1007% | 1,960 |
| Return on assets (ROA) | 1.1462% | 1,942 |
| Pretax return on assets | 1.4454% | 1,827 |
| Return on Equity (ROE) | 13.1148% | 1,361 |
| Retained earnings to average equity (ytd only) | 6.9285% | 2,238 |
| Net charge-offs to loans | 0.0727% | 4,463 |
| Credit loss provision to net charge-offs | 461.5385% | 1,153 |
| Earnings coverage of net charge-offs (x) | 34.2308% | 964 |
| Efficiency ratio | 49.1429% | 7,657 |
| Assets per employee ($millions) | 5.8292% | 1,297 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 4,521 |
| Loan loss allowance to noncurrent loans | 37.9913% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 2.2599% | 2,539 |
| Noncurrent loans to loans | 3.2663% | 1,973 |
| Net loans and leases to total assets | 62.5155% | 5,233 |
| Net loans and leases to deposits | 72.8601% | 5,635 |
| Net loans and leases to core deposits | 97.0454% | 4,843 |
| Total domestic deposits to total assets | 85.8020% | 2,824 |
| Equity capital to assets | 8.8050% | 5,617 |
| Core capital (leverage) ratio | 8.8196% | 4,947 |
| Tier 1 risk-based capital ratio | 12.9218% | 4,230 |
| Total risk-based capital ratio | 14.0738% | 4,226 |
| Memoranda: | ||
| Average total assets | $110,973,500 | 4,878 |
| Average earning assets | $107,281,500 | 4,708 |
| Average equity | $9,699,000 | 5,478 |
| Average total loans | $71,503,000 | 4,928 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0363% | 5,386 |
| Cost of funding earning assets | 3.0521% | 1,677 |
| Net interest margin | 2.9842% | 6,954 |
| Noninterest income to average assets | 0.2392% | 6,735 |
| Noninterest expense to average assets | 1.4178% | 8,064 |
| Loan and lease loss provision to assets | 0.0416% | 6,894 |
| Net operating income to assets | 1.2998% | 1,485 |
| Return on assets (ROA) | 1.3171% | 1,393 |
| Pretax return on assets | 1.6838% | 1,180 |
| Return on Equity (ROE) | 15.6696% | 821 |
| Retained earnings to average equity (ytd only) | 9.0765% | 593 |
| Net charge-offs to loans | 0.0089% | 6,804 |
| Credit loss provision to net charge-offs | 750.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 307.3333% | 156 |
| Efficiency ratio | 45.4276% | 7,955 |
| Assets per employee ($millions) | 6.1773% | 1,049 |
| Cash dividends to net income (ytd only)* | 42.0757% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 5,070 |
| Loan loss allowance to noncurrent loans | 41.6077% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 1.9705% | 2,497 |
| Noncurrent loans to loans | 2.7134% | 1,997 |
| Net loans and leases to total assets | 64.8194% | 5,102 |
| Net loans and leases to deposits | 75.9970% | 5,592 |
| Net loans and leases to core deposits | 100.7436% | 4,748 |
| Total domestic deposits to total assets | 85.2921% | 2,707 |
| Equity capital to assets | 8.6751% | 5,848 |
| Core capital (leverage) ratio | 8.5052% | 5,572 |
| Tier 1 risk-based capital ratio | 12.3493% | 4,553 |
| Total risk-based capital ratio | 13.4091% | 4,589 |
| Memoranda: | ||
| Average total assets | $108,269,400 | 4,826 |
| Average earning assets | $104,551,400 | 4,662 |
| Average equity | $9,100,400 | 5,707 |
| Average total loans | $67,789,600 | 4,954 |