Home > State Nebraska Bank & Trust > Performance and Condition Ratios
State Nebraska Bank & Trust, 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 | 4.8500% | 2,379 |
| Cost of funding earning assets | 2.3699% | 483 |
| Net interest margin | 2.4801% | 4,109 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.8793% | 3,874 |
| Loan and lease loss provision to assets | 0.7100% | 112 |
| Net operating income to assets | 0.0817% | 4,269 |
| Return on assets (ROA) | 0.0826% | 4,295 |
| Pretax return on assets | 0.0759% | 4,297 |
| Return on Equity (ROE) | 1.1500% | 4,244 |
| Retained earnings to average equity (ytd only) | -2.6898% | 4,310 |
| Net charge-offs to loans | 1.1377% | 85 |
| Credit loss provision to net charge-offs | 113.3948% | 1,733 |
| Earnings coverage of net charge-offs (x) | 1.2530% | 2,768 |
| Efficiency ratio | 70.4298% | 1,822 |
| Assets per employee ($millions) | 9.2317% | 910 |
| Cash dividends to net income (ytd only)* | 333.5135% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 1,400 |
| Loan loss allowance to noncurrent loans | 107.3707% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 682 |
| Noncurrent loans to loans | 1.3016% | 537 |
| Net loans and leases to total assets | 57.3800% | 3,091 |
| Net loans and leases to deposits | 70.2705% | 2,877 |
| Net loans and leases to core deposits | 76.1324% | 2,966 |
| Total domestic deposits to total assets | 81.6500% | 3,191 |
| Equity capital to assets | 7.3455% | 3,796 |
| Core capital (leverage) ratio | 10.2277% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4871% | 1,692 |
| Memoranda: | ||
| Average total assets | $224,074,800 | 2,821 |
| Average earning assets | $204,947,800 | 2,829 |
| Average equity | $16,060,600 | 3,178 |
| Average total loans | $124,023,800 | 2,916 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 2,392 |
| Cost of funding earning assets | 2.2291% | 470 |
| Net interest margin | 2.5115% | 4,128 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 1.8980% | 3,804 |
| Loan and lease loss provision to assets | 0.9200% | 70 |
| Net operating income to assets | -0.1218% | 4,482 |
| Return on assets (ROA) | -0.1212% | 4,465 |
| Pretax return on assets | -0.1212% | 4,451 |
| Return on Equity (ROE) | -1.7000% | 4,446 |
| Retained earnings to average equity (ytd only) | -5.8547% | 4,438 |
| Net charge-offs to loans | 1.4686% | 60 |
| Credit loss provision to net charge-offs | 115.2683% | 1,515 |
| Earnings coverage of net charge-offs (x) | 1.0008% | 2,552 |
| Efficiency ratio | 70.2939% | 1,751 |
| Assets per employee ($millions) | 8.6626% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 955 |
| Loan loss allowance to noncurrent loans | 111.0797% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.7854% | 707 |
| Noncurrent loans to loans | 1.4074% | 536 |
| Net loans and leases to total assets | 54.9400% | 3,291 |
| Net loans and leases to deposits | 64.5155% | 3,226 |
| Net loans and leases to core deposits | 69.0907% | 3,261 |
| Total domestic deposits to total assets | 85.1500% | 2,456 |
| Equity capital to assets | 6.5205% | 3,826 |
| Core capital (leverage) ratio | 10.3925% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0022% | 1,564 |
| Memoranda: | ||
| Average total assets | $220,087,750 | 2,858 |
| Average earning assets | $201,096,500 | 2,866 |
| Average equity | $15,668,000 | 3,203 |
| Average total loans | $120,112,000 | 2,954 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 2,571 |
| Cost of funding earning assets | 2.0483% | 446 |
| Net interest margin | 2.4832% | 4,224 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 1.9663% | 3,670 |
| Loan and lease loss provision to assets | 1.3300% | 42 |
| Net operating income to assets | -0.6338% | 4,577 |
| Return on assets (ROA) | -0.6319% | 4,573 |
| Pretax return on assets | -0.6319% | 4,564 |
| Return on Equity (ROE) | -8.6300% | 4,570 |
| Retained earnings to average equity (ytd only) | -13.1038% | 4,545 |
| Net charge-offs to loans | 2.2325% | 40 |
| Credit loss provision to net charge-offs | 109.8485% | 1,379 |
| Earnings coverage of net charge-offs (x) | 0.5742% | 2,399 |
| Efficiency ratio | 73.9071% | 1,355 |
| Assets per employee ($millions) | 8.1338% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 1,004 |
| Loan loss allowance to noncurrent loans | 120.1142% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7176% | 728 |
| Noncurrent loans to loans | 1.3032% | 543 |
| Net loans and leases to total assets | 54.2100% | 3,258 |
| Net loans and leases to deposits | 62.9167% | 3,257 |
| Net loans and leases to core deposits | 68.3768% | 3,214 |
| Total domestic deposits to total assets | 86.1600% | 2,182 |
| Equity capital to assets | 7.1025% | 3,738 |
| Core capital (leverage) ratio | 10.4797% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3673% | 1,468 |
| Memoranda: | ||
| Average total assets | $218,374,333 | 2,880 |
| Average earning assets | $199,578,000 | 2,891 |
| Average equity | $15,995,333 | 3,190 |
| Average total loans | $118,250,667 | 2,971 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 2,602 |
| Cost of funding earning assets | 1.8966% | 366 |
| Net interest margin | 2.4839% | 4,323 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.0427% | 3,514 |
| Loan and lease loss provision to assets | 2.5700% | 16 |
| Net operating income to assets | -1.9563% | 4,648 |
| Return on assets (ROA) | -1.9582% | 4,642 |
| Pretax return on assets | -1.9582% | 4,638 |
| Return on Equity (ROE) | -26.3300% | 4,642 |
| Retained earnings to average equity (ytd only) | -31.9625% | 4,642 |
| Net charge-offs to loans | 4.5198% | 21 |
| Credit loss provision to net charge-offs | 105.9803% | 1,086 |
| Earnings coverage of net charge-offs (x) | 0.2536% | 2,004 |
| Efficiency ratio | 76.8487% | 1,096 |
| Assets per employee ($millions) | 8.3869% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 992 |
| Loan loss allowance to noncurrent loans | 103.5413% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.8158% | 581 |
| Noncurrent loans to loans | 1.5555% | 419 |
| Net loans and leases to total assets | 51.6000% | 3,375 |
| Net loans and leases to deposits | 57.1627% | 3,499 |
| Net loans and leases to core deposits | 61.2800% | 3,486 |
| Total domestic deposits to total assets | 90.2700% | 1,060 |
| Equity capital to assets | 7.3040% | 3,672 |
| Core capital (leverage) ratio | 10.4579% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6922% | 1,444 |
| Memoranda: | ||
| Average total assets | $217,755,000 | 2,925 |
| Average earning assets | $198,878,000 | 2,939 |
| Average equity | $16,194,000 | 3,199 |
| Average total loans | $116,907,500 | 3,014 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7142% | 2,490 |
| Cost of funding earning assets | 0.7578% | 457 |
| Net interest margin | 2.9564% | 3,554 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.8085% | 4,019 |
| Loan and lease loss provision to assets | 0.7700% | 63 |
| Net operating income to assets | 0.4906% | 4,100 |
| Return on assets (ROA) | 0.4556% | 4,118 |
| Pretax return on assets | 0.5164% | 4,156 |
| Return on Equity (ROE) | 5.2000% | 3,982 |
| Retained earnings to average equity (ytd only) | 0.5182% | 4,270 |
| Net charge-offs to loans | 1.5241% | 46 |
| Credit loss provision to net charge-offs | 97.9810% | 1,577 |
| Earnings coverage of net charge-offs (x) | 1.6859% | 2,530 |
| Efficiency ratio | 57.6585% | 3,386 |
| Assets per employee ($millions) | 8.3635% | 1,160 |
| Cash dividends to net income (ytd only)* | 90.0411% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,271 |
| Loan loss allowance to noncurrent loans | 58.3196% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.3902% | 246 |
| Noncurrent loans to loans | 2.5308% | 183 |
| Net loans and leases to total assets | 54.1200% | 3,190 |
| Net loans and leases to deposits | 66.5792% | 2,849 |
| Net loans and leases to core deposits | 68.1420% | 3,002 |
| Total domestic deposits to total assets | 81.2900% | 3,723 |
| Equity capital to assets | 7.5700% | 3,341 |
| Core capital (leverage) ratio | 10.9908% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8484% | 1,403 |
| Memoranda: | ||
| Average total assets | $213,774,000 | 2,954 |
| Average earning assets | $195,439,600 | 2,968 |
| Average equity | $18,718,400 | 3,059 |
| Average total loans | $110,489,800 | 3,021 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5515% | 2,464 |
| Cost of funding earning assets | 0.5524% | 571 |
| Net interest margin | 2.9991% | 3,222 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.8510% | 3,872 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.9515% | 2,663 |
| Return on assets (ROA) | 0.9515% | 2,632 |
| Pretax return on assets | 1.1801% | 2,447 |
| Return on Equity (ROE) | 10.5000% | 2,570 |
| Retained earnings to average equity (ytd only) | 6.0087% | 2,755 |
| Net charge-offs to loans | 0.3633% | 172 |
| Credit loss provision to net charge-offs | 76.2712% | 1,432 |
| Earnings coverage of net charge-offs (x) | 7.1492% | 2,085 |
| Efficiency ratio | 58.3531% | 3,343 |
| Assets per employee ($millions) | 8.3247% | 1,159 |
| Cash dividends to net income (ytd only)* | 42.7913% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,231 |
| Loan loss allowance to noncurrent loans | 100.6410% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 632 |
| Noncurrent loans to loans | 1.5156% | 464 |
| Net loans and leases to total assets | 51.5100% | 3,333 |
| Net loans and leases to deposits | 60.1080% | 3,194 |
| Net loans and leases to core deposits | 60.8983% | 3,316 |
| Total domestic deposits to total assets | 85.7000% | 3,134 |
| Equity capital to assets | 7.3156% | 3,325 |
| Core capital (leverage) ratio | 11.5291% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8257% | 1,216 |
| Memoranda: | ||
| Average total assets | $212,854,750 | 2,983 |
| Average earning assets | $194,540,750 | 2,992 |
| Average equity | $19,282,750 | 3,055 |
| Average total loans | $108,250,500 | 3,058 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3973% | 2,443 |
| Cost of funding earning assets | 0.5300% | 439 |
| Net interest margin | 2.8672% | 3,249 |
| Noninterest income to average assets | 0.4054% | 2,724 |
| Noninterest expense to average assets | 1.8766% | 3,764 |
| Loan and lease loss provision to assets | 0.1417% | 673 |
| Net operating income to assets | 0.8145% | 2,904 |
| Return on assets (ROA) | 0.8145% | 2,875 |
| Pretax return on assets | 1.0092% | 2,696 |
| Return on Equity (ROE) | 8.4376% | 2,884 |
| Retained earnings to average equity (ytd only) | 4.2971% | 2,975 |
| Net charge-offs to loans | 0.5554% | 121 |
| Credit loss provision to net charge-offs | 50.6757% | 1,491 |
| Earnings coverage of net charge-offs (x) | 4.1149% | 1,969 |
| Efficiency ratio | 61.9850% | 3,048 |
| Assets per employee ($millions) | 8.0687% | 1,262 |
| Cash dividends to net income (ytd only)* | 49.0719% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,331 |
| Loan loss allowance to noncurrent loans | 100.9169% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.7798% | 665 |
| Noncurrent loans to loans | 1.5161% | 490 |
| Net loans and leases to total assets | 50.6523% | 3,304 |
| Net loans and leases to deposits | 55.9731% | 3,378 |
| Net loans and leases to core deposits | 57.0333% | 3,490 |
| Total domestic deposits to total assets | 90.4941% | 1,467 |
| Equity capital to assets | 8.7146% | 2,603 |
| Core capital (leverage) ratio | 11.1541% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3407% | 1,111 |
| Memoranda: | ||
| Average total assets | $211,659,333 | 3,021 |
| Average earning assets | $193,566,667 | 3,038 |
| Average equity | $20,432,333 | 3,026 |
| Average total loans | $106,593,333 | 3,106 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2179% | 2,631 |
| Cost of funding earning assets | 0.4905% | 520 |
| Net interest margin | 2.7274% | 3,346 |
| Noninterest income to average assets | 0.4233% | 2,535 |
| Noninterest expense to average assets | 2.0057% | 3,415 |
| Loan and lease loss provision to assets | 0.1411% | 568 |
| Net operating income to assets | 0.6303% | 3,299 |
| Return on assets (ROA) | 0.6303% | 3,279 |
| Pretax return on assets | 0.7771% | 3,183 |
| Return on Equity (ROE) | 6.2304% | 3,274 |
| Retained earnings to average equity (ytd only) | 2.6037% | 3,386 |
| Net charge-offs to loans | 0.0038% | 1,635 |
| Credit loss provision to net charge-offs | 7,500.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 488.0000% | 212 |
| Efficiency ratio | 68.5972% | 2,431 |
| Assets per employee ($millions) | 8.4879% | 1,126 |
| Cash dividends to net income (ytd only)* | 58.2090% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 881 |
| Loan loss allowance to noncurrent loans | 101.0259% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8392% | 646 |
| Noncurrent loans to loans | 1.7819% | 435 |
| Net loans and leases to total assets | 46.2485% | 3,553 |
| Net loans and leases to deposits | 51.4487% | 3,608 |
| Net loans and leases to core deposits | 52.5415% | 3,694 |
| Total domestic deposits to total assets | 89.8924% | 1,626 |
| Equity capital to assets | 8.9362% | 2,765 |
| Core capital (leverage) ratio | 11.1679% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6044% | 811 |
| Memoranda: | ||
| Average total assets | $212,596,500 | 3,021 |
| Average earning assets | $194,912,000 | 3,044 |
| Average equity | $21,507,500 | 3,017 |
| Average total loans | $105,934,000 | 3,111 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 1,739 |
| Cost of funding earning assets | 0.5099% | 888 |
| Net interest margin | 3.3417% | 2,202 |
| Noninterest income to average assets | 0.4573% | 2,776 |
| Noninterest expense to average assets | 2.0616% | 3,498 |
| Loan and lease loss provision to assets | 0.1796% | 641 |
| Net operating income to assets | 1.0434% | 2,506 |
| Return on assets (ROA) | 1.0434% | 2,584 |
| Pretax return on assets | 1.2666% | 2,467 |
| Return on Equity (ROE) | 8.7565% | 2,992 |
| Retained earnings to average equity (ytd only) | 5.3969% | 2,618 |
| Net charge-offs to loans | 0.1891% | 517 |
| Credit loss provision to net charge-offs | 169.9029% | 1,408 |
| Earnings coverage of net charge-offs (x) | 13.6796% | 2,067 |
| Efficiency ratio | 58.7710% | 3,320 |
| Assets per employee ($millions) | 7.8657% | 1,407 |
| Cash dividends to net income (ytd only)* | 38.3669% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 1,124 |
| Loan loss allowance to noncurrent loans | 79.5133% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 473 |
| Noncurrent loans to loans | 2.0939% | 366 |
| Net loans and leases to total assets | 51.8985% | 3,078 |
| Net loans and leases to deposits | 59.4463% | 3,131 |
| Net loans and leases to core deposits | 60.8505% | 3,254 |
| Total domestic deposits to total assets | 87.3031% | 2,386 |
| Equity capital to assets | 11.3903% | 1,562 |
| Core capital (leverage) ratio | 11.5803% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8990% | 769 |
| Memoranda: | ||
| Average total assets | $194,847,000 | 3,099 |
| Average earning assets | $177,872,400 | 3,112 |
| Average equity | $23,217,000 | 2,962 |
| Average total loans | $108,927,600 | 3,093 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9670% | 1,614 |
| Cost of funding earning assets | 0.5127% | 989 |
| Net interest margin | 3.4543% | 1,999 |
| Noninterest income to average assets | 0.4441% | 2,869 |
| Noninterest expense to average assets | 1.9899% | 3,711 |
| Loan and lease loss provision to assets | 0.1730% | 619 |
| Net operating income to assets | 1.1654% | 2,304 |
| Return on assets (ROA) | 1.1654% | 2,364 |
| Pretax return on assets | 1.4273% | 2,224 |
| Return on Equity (ROE) | 9.6674% | 2,856 |
| Retained earnings to average equity (ytd only) | 6.3051% | 2,692 |
| Net charge-offs to loans | 0.0061% | 2,094 |
| Credit loss provision to net charge-offs | 5,000.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 462.0000% | 320 |
| Efficiency ratio | 55.4226% | 3,605 |
| Assets per employee ($millions) | 8.1690% | 1,194 |
| Cash dividends to net income (ytd only)* | 34.7800% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 950 |
| Loan loss allowance to noncurrent loans | 81.0337% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 531 |
| Noncurrent loans to loans | 2.2073% | 377 |
| Net loans and leases to total assets | 51.0021% | 3,300 |
| Net loans and leases to deposits | 58.6279% | 3,349 |
| Net loans and leases to core deposits | 60.0177% | 3,466 |
| Total domestic deposits to total assets | 86.9928% | 2,355 |
| Equity capital to assets | 11.5378% | 1,642 |
| Core capital (leverage) ratio | 11.8816% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7983% | 716 |
| Memoranda: | ||
| Average total assets | $192,432,000 | 3,155 |
| Average earning assets | $175,277,000 | 3,162 |
| Average equity | $23,197,750 | 3,003 |
| Average total loans | $109,176,250 | 3,129 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 1,016 |
| Cost of funding earning assets | 0.5214% | 1,082 |
| Net interest margin | 3.7715% | 1,188 |
| Noninterest income to average assets | 0.4796% | 2,712 |
| Noninterest expense to average assets | 2.1369% | 3,277 |
| Loan and lease loss provision to assets | 0.1592% | 726 |
| Net operating income to assets | 1.3135% | 1,824 |
| Return on assets (ROA) | 1.3135% | 1,894 |
| Pretax return on assets | 1.6138% | 1,698 |
| Return on Equity (ROE) | 10.7298% | 2,520 |
| Retained earnings to average equity (ytd only) | 7.3496% | 2,307 |
| Net charge-offs to loans | -0.0036% | 3,336 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6540% | 3,725 |
| Assets per employee ($millions) | 7.8575% | 1,271 |
| Cash dividends to net income (ytd only)* | 31.5024% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 1,131 |
| Loan loss allowance to noncurrent loans | 70.4253% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.3047% | 494 |
| Noncurrent loans to loans | 2.3671% | 368 |
| Net loans and leases to total assets | 54.2018% | 3,110 |
| Net loans and leases to deposits | 62.5995% | 3,140 |
| Net loans and leases to core deposits | 63.8067% | 3,304 |
| Total domestic deposits to total assets | 86.5851% | 2,510 |
| Equity capital to assets | 11.9076% | 1,411 |
| Core capital (leverage) ratio | 11.8527% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2703% | 668 |
| Memoranda: | ||
| Average total assets | $188,501,000 | 3,186 |
| Average earning assets | $171,445,333 | 3,206 |
| Average equity | $23,076,000 | 3,004 |
| Average total loans | $110,216,333 | 3,126 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 552 |
| Cost of funding earning assets | 0.5309% | 1,197 |
| Net interest margin | 4.1877% | 617 |
| Noninterest income to average assets | 0.4032% | 3,074 |
| Noninterest expense to average assets | 2.3541% | 2,638 |
| Loan and lease loss provision to assets | 0.1626% | 774 |
| Net operating income to assets | 1.3699% | 1,635 |
| Return on assets (ROA) | 1.3699% | 1,721 |
| Pretax return on assets | 1.6821% | 1,532 |
| Return on Equity (ROE) | 11.0304% | 2,360 |
| Retained earnings to average equity (ytd only) | 7.6270% | 2,369 |
| Net charge-offs to loans | -0.0036% | 3,271 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0661% | 3,539 |
| Assets per employee ($millions) | 7.6891% | 1,350 |
| Cash dividends to net income (ytd only)* | 30.8544% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,403 |
| Loan loss allowance to noncurrent loans | 73.6999% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2204% | 610 |
| Noncurrent loans to loans | 2.1135% | 488 |
| Net loans and leases to total assets | 56.8455% | 2,938 |
| Net loans and leases to deposits | 65.6574% | 2,953 |
| Net loans and leases to core deposits | 66.4423% | 3,205 |
| Total domestic deposits to total assets | 86.5790% | 2,492 |
| Equity capital to assets | 11.9218% | 1,324 |
| Core capital (leverage) ratio | 12.3536% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5983% | 722 |
| Memoranda: | ||
| Average total assets | $184,532,500 | 3,212 |
| Average earning assets | $167,253,500 | 3,237 |
| Average equity | $22,918,500 | 3,004 |
| Average total loans | $111,185,500 | 3,114 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 2,081 |
| Cost of funding earning assets | 0.6971% | 1,728 |
| Net interest margin | 3.5220% | 2,406 |
| Noninterest income to average assets | 0.4453% | 2,887 |
| Noninterest expense to average assets | 1.9798% | 4,174 |
| Loan and lease loss provision to assets | 0.1194% | 2,873 |
| Net operating income to assets | 1.2851% | 1,292 |
| Return on assets (ROA) | 1.2851% | 1,391 |
| Pretax return on assets | 1.5548% | 1,182 |
| Return on Equity (ROE) | 9.7300% | 2,105 |
| Retained earnings to average equity (ytd only) | 6.2050% | 1,706 |
| Net charge-offs to loans | 0.2390% | 731 |
| Credit loss provision to net charge-offs | 79.0514% | 2,993 |
| Earnings coverage of net charge-offs (x) | 11.0870% | 2,418 |
| Efficiency ratio | 54.1816% | 4,194 |
| Assets per employee ($millions) | 7.3682% | 1,353 |
| Cash dividends to net income (ytd only)* | 36.2285% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 1,639 |
| Loan loss allowance to noncurrent loans | 73.9267% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.2644% | 648 |
| Noncurrent loans to loans | 2.0077% | 567 |
| Net loans and leases to total assets | 62.0436% | 2,605 |
| Net loans and leases to deposits | 72.6909% | 2,618 |
| Net loans and leases to core deposits | 73.8262% | 2,927 |
| Total domestic deposits to total assets | 85.3526% | 2,634 |
| Equity capital to assets | 12.9611% | 1,101 |
| Core capital (leverage) ratio | 12.8879% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5633% | 829 |
| Memoranda: | ||
| Average total assets | $167,540,600 | 3,220 |
| Average earning assets | $152,639,400 | 3,238 |
| Average equity | $22,127,400 | 2,994 |
| Average total loans | $105,868,200 | 3,154 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 1,923 |
| Cost of funding earning assets | 0.7250% | 1,876 |
| Net interest margin | 3.6464% | 2,107 |
| Noninterest income to average assets | 0.4196% | 2,986 |
| Noninterest expense to average assets | 1.9788% | 4,199 |
| Loan and lease loss provision to assets | 0.1211% | 2,820 |
| Net operating income to assets | 1.3590% | 1,204 |
| Return on assets (ROA) | 1.3590% | 1,307 |
| Pretax return on assets | 1.6519% | 1,066 |
| Return on Equity (ROE) | 10.2387% | 1,939 |
| Retained earnings to average equity (ytd only) | 6.6819% | 1,820 |
| Net charge-offs to loans | 0.0268% | 2,299 |
| Credit loss provision to net charge-offs | 714.2857% | 1,055 |
| Earnings coverage of net charge-offs (x) | 104.6190% | 764 |
| Efficiency ratio | 52.7425% | 4,278 |
| Assets per employee ($millions) | 7.1915% | 1,380 |
| Cash dividends to net income (ytd only)* | 34.7387% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 978 |
| Loan loss allowance to noncurrent loans | 85.3092% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 782 |
| Noncurrent loans to loans | 1.9359% | 642 |
| Net loans and leases to total assets | 63.3128% | 2,847 |
| Net loans and leases to deposits | 75.5253% | 2,796 |
| Net loans and leases to core deposits | 76.4606% | 3,131 |
| Total domestic deposits to total assets | 83.8300% | 2,879 |
| Equity capital to assets | 13.1358% | 1,122 |
| Core capital (leverage) ratio | 13.0367% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2858% | 756 |
| Memoranda: | ||
| Average total assets | $165,216,500 | 3,215 |
| Average earning assets | $150,978,000 | 3,233 |
| Average equity | $21,929,250 | 3,005 |
| Average total loans | $104,493,000 | 3,179 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 1,689 |
| Cost of funding earning assets | 0.7724% | 1,979 |
| Net interest margin | 3.8097% | 1,811 |
| Noninterest income to average assets | 0.4252% | 2,940 |
| Noninterest expense to average assets | 1.9661% | 4,297 |
| Loan and lease loss provision to assets | 0.1229% | 2,803 |
| Net operating income to assets | 1.4943% | 934 |
| Return on assets (ROA) | 1.4943% | 1,011 |
| Pretax return on assets | 1.8211% | 781 |
| Return on Equity (ROE) | 11.2168% | 1,566 |
| Retained earnings to average equity (ytd only) | 7.6193% | 1,426 |
| Net charge-offs to loans | 0.0235% | 2,245 |
| Credit loss provision to net charge-offs | 833.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 131.8333% | 579 |
| Efficiency ratio | 50.2828% | 4,486 |
| Assets per employee ($millions) | 7.3326% | 1,260 |
| Cash dividends to net income (ytd only)* | 32.0724% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6812% | 847 |
| Loan loss allowance to noncurrent loans | 77.2943% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.3762% | 721 |
| Noncurrent loans to loans | 2.1751% | 587 |
| Net loans and leases to total assets | 62.2087% | 3,105 |
| Net loans and leases to deposits | 73.2299% | 3,144 |
| Net loans and leases to core deposits | 73.8661% | 3,471 |
| Total domestic deposits to total assets | 84.9499% | 2,421 |
| Equity capital to assets | 13.2908% | 1,041 |
| Core capital (leverage) ratio | 12.9524% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8187% | 692 |
| Memoranda: | ||
| Average total assets | $162,756,333 | 3,222 |
| Average earning assets | $148,884,333 | 3,235 |
| Average equity | $21,681,667 | 3,012 |
| Average total loans | $102,287,000 | 3,200 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5926% | 2,016 |
| Cost of funding earning assets | 0.8846% | 1,949 |
| Net interest margin | 3.7080% | 2,298 |
| Noninterest income to average assets | 0.4631% | 2,737 |
| Noninterest expense to average assets | 1.9448% | 4,502 |
| Loan and lease loss provision to assets | 0.1251% | 2,138 |
| Net operating income to assets | 1.4667% | 842 |
| Return on assets (ROA) | 1.4667% | 920 |
| Pretax return on assets | 1.7821% | 728 |
| Return on Equity (ROE) | 10.9970% | 1,409 |
| Retained earnings to average equity (ytd only) | 7.3376% | 1,431 |
| Net charge-offs to loans | -0.0240% | 4,397 |
| Credit loss provision to net charge-offs | -833.3333% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4873% | 4,638 |
| Assets per employee ($millions) | 6.9262% | 1,128 |
| Cash dividends to net income (ytd only)* | 33.2765% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8038% | 702 |
| Loan loss allowance to noncurrent loans | 134.5038% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 1,641 |
| Noncurrent loans to loans | 1.3410% | 1,205 |
| Net loans and leases to total assets | 60.2142% | 3,475 |
| Net loans and leases to deposits | 70.9647% | 3,514 |
| Net loans and leases to core deposits | 71.4803% | 3,784 |
| Total domestic deposits to total assets | 84.8509% | 2,463 |
| Equity capital to assets | 13.4078% | 1,259 |
| Core capital (leverage) ratio | 13.4820% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2086% | 838 |
| Memoranda: | ||
| Average total assets | $159,809,500 | 3,216 |
| Average earning assets | $146,061,000 | 3,226 |
| Average equity | $21,315,000 | 3,047 |
| Average total loans | $100,076,000 | 3,224 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7167% | 2,281 |
| Cost of funding earning assets | 1.1887% | 1,051 |
| Net interest margin | 3.5280% | 3,351 |
| Noninterest income to average assets | 0.4980% | 2,758 |
| Noninterest expense to average assets | 1.8645% | 4,701 |
| Loan and lease loss provision to assets | 0.1896% | 1,081 |
| Net operating income to assets | 1.4176% | 1,286 |
| Return on assets (ROA) | 1.4176% | 1,359 |
| Pretax return on assets | 1.7153% | 1,152 |
| Return on Equity (ROE) | 11.0042% | 1,885 |
| Retained earnings to average equity (ytd only) | 7.1775% | 1,320 |
| Net charge-offs to loans | 0.1346% | 1,434 |
| Credit loss provision to net charge-offs | 227.2727% | 1,176 |
| Earnings coverage of net charge-offs (x) | 22.8333% | 1,837 |
| Efficiency ratio | 49.4634% | 4,760 |
| Assets per employee ($millions) | 7.6341% | 819 |
| Cash dividends to net income (ytd only)* | 34.7749% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6659% | 859 |
| Loan loss allowance to noncurrent loans | 123.2491% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.8639% | 1,486 |
| Noncurrent loans to loans | 1.3517% | 1,102 |
| Net loans and leases to total assets | 62.8509% | 3,326 |
| Net loans and leases to deposits | 75.7771% | 3,204 |
| Net loans and leases to core deposits | 76.3356% | 3,553 |
| Total domestic deposits to total assets | 82.9418% | 3,217 |
| Equity capital to assets | 13.2682% | 1,383 |
| Core capital (leverage) ratio | 13.4437% | 1,069 |
| Tier 1 risk-based capital ratio | 17.9203% | 1,779 |
| Total risk-based capital ratio | 19.1722% | 1,729 |
| Memoranda: | ||
| Average total assets | $158,220,400 | 3,216 |
| Average earning assets | $146,712,400 | 3,204 |
| Average equity | $20,383,200 | 3,098 |
| Average total loans | $98,078,000 | 3,253 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 2,342 |
| Cost of funding earning assets | 1.2567% | 894 |
| Net interest margin | 3.4691% | 3,666 |
| Noninterest income to average assets | 0.5039% | 2,706 |
| Noninterest expense to average assets | 1.8296% | 4,780 |
| Loan and lease loss provision to assets | 0.1902% | 939 |
| Net operating income to assets | 1.4060% | 1,452 |
| Return on assets (ROA) | 1.4060% | 1,513 |
| Pretax return on assets | 1.7096% | 1,315 |
| Return on Equity (ROE) | 10.9977% | 2,017 |
| Retained earnings to average equity (ytd only) | 7.1290% | 1,799 |
| Net charge-offs to loans | 0.1265% | 1,249 |
| Credit loss provision to net charge-offs | 244.5652% | 1,115 |
| Earnings coverage of net charge-offs (x) | 24.4247% | 1,798 |
| Efficiency ratio | 49.0592% | 4,795 |
| Assets per employee ($millions) | 7.4737% | 853 |
| Cash dividends to net income (ytd only)* | 35.1773% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 822 |
| Loan loss allowance to noncurrent loans | 130.7512% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 1,699 |
| Noncurrent loans to loans | 1.2989% | 1,190 |
| Net loans and leases to total assets | 61.6240% | 3,530 |
| Net loans and leases to deposits | 72.5962% | 3,584 |
| Net loans and leases to core deposits | 73.1292% | 3,881 |
| Total domestic deposits to total assets | 84.8860% | 2,463 |
| Equity capital to assets | 13.3300% | 1,451 |
| Core capital (leverage) ratio | 13.2350% | 1,239 |
| Tier 1 risk-based capital ratio | 18.1873% | 1,763 |
| Total risk-based capital ratio | 19.4393% | 1,725 |
| Memoranda: | ||
| Average total assets | $157,696,500 | 3,255 |
| Average earning assets | $146,626,250 | 3,240 |
| Average equity | $20,161,250 | 3,141 |
| Average total loans | $96,980,750 | 3,305 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6685% | 2,456 |
| Cost of funding earning assets | 1.2851% | 774 |
| Net interest margin | 3.3834% | 3,944 |
| Noninterest income to average assets | 0.5002% | 2,678 |
| Noninterest expense to average assets | 1.8373% | 4,829 |
| Loan and lease loss provision to assets | 0.1899% | 929 |
| Net operating income to assets | 1.3384% | 1,624 |
| Return on assets (ROA) | 1.3384% | 1,687 |
| Pretax return on assets | 1.6233% | 1,474 |
| Return on Equity (ROE) | 10.6188% | 2,127 |
| Retained earnings to average equity (ytd only) | 6.7008% | 1,950 |
| Net charge-offs to loans | 0.1409% | 1,088 |
| Credit loss provision to net charge-offs | 220.5882% | 1,130 |
| Earnings coverage of net charge-offs (x) | 21.0588% | 1,745 |
| Efficiency ratio | 50.3295% | 4,764 |
| Assets per employee ($millions) | 7.5035% | 810 |
| Cash dividends to net income (ytd only)* | 36.8969% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6880% | 842 |
| Loan loss allowance to noncurrent loans | 74.0064% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.3892% | 866 |
| Noncurrent loans to loans | 2.2809% | 574 |
| Net loans and leases to total assets | 59.8766% | 3,743 |
| Net loans and leases to deposits | 70.2437% | 3,822 |
| Net loans and leases to core deposits | 72.1926% | 3,992 |
| Total domestic deposits to total assets | 85.2412% | 2,366 |
| Equity capital to assets | 12.9920% | 1,591 |
| Core capital (leverage) ratio | 12.8120% | 1,396 |
| Tier 1 risk-based capital ratio | 18.4599% | 1,680 |
| Total risk-based capital ratio | 19.7127% | 1,644 |
| Memoranda: | ||
| Average total assets | $157,946,330 | 3,266 |
| Average earning assets | $147,071,000 | 3,254 |
| Average equity | $19,908,000 | 3,156 |
| Average total loans | $96,511,670 | 3,331 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6150% | 2,485 |
| Cost of funding earning assets | 1.2376% | 802 |
| Net interest margin | 3.3774% | 3,951 |
| Noninterest income to average assets | 0.5438% | 2,319 |
| Noninterest expense to average assets | 1.8592% | 4,852 |
| Loan and lease loss provision to assets | 0.1897% | 860 |
| Net operating income to assets | 1.3432% | 1,542 |
| Return on assets (ROA) | 1.3432% | 1,585 |
| Pretax return on assets | 1.6290% | 1,394 |
| Return on Equity (ROE) | 10.8224% | 2,016 |
| Retained earnings to average equity (ytd only) | 6.8481% | 2,098 |
| Net charge-offs to loans | 0.0124% | 2,251 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 239.6667% | 332 |
| Efficiency ratio | 50.5502% | 4,787 |
| Assets per employee ($millions) | 7.4571% | 833 |
| Cash dividends to net income (ytd only)* | 36.7232% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 801 |
| Loan loss allowance to noncurrent loans | 114.2654% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8997% | 1,562 |
| Noncurrent loans to loans | 1.5194% | 1,058 |
| Net loans and leases to total assets | 58.1884% | 3,867 |
| Net loans and leases to deposits | 68.5434% | 3,879 |
| Net loans and leases to core deposits | 71.6500% | 3,973 |
| Total domestic deposits to total assets | 84.8927% | 2,722 |
| Equity capital to assets | 12.7324% | 1,607 |
| Core capital (leverage) ratio | 12.8988% | 1,322 |
| Tier 1 risk-based capital ratio | 18.6623% | 1,615 |
| Total risk-based capital ratio | 19.9152% | 1,577 |
| Memoranda: | ||
| Average total assets | $158,132,500 | 3,315 |
| Average earning assets | $146,738,500 | 3,299 |
| Average equity | $19,626,000 | 3,194 |
| Average total loans | $96,782,500 | 3,370 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 2,527 |
| Cost of funding earning assets | 0.9975% | 759 |
| Net interest margin | 3.4790% | 3,775 |
| Noninterest income to average assets | 0.5646% | 2,471 |
| Noninterest expense to average assets | 1.7241% | 5,067 |
| Loan and lease loss provision to assets | 0.1613% | 1,267 |
| Net operating income to assets | 1.5879% | 901 |
| Return on assets (ROA) | 1.5879% | 889 |
| Pretax return on assets | 1.9376% | 651 |
| Return on Equity (ROE) | 13.3411% | 1,219 |
| Retained earnings to average equity (ytd only) | 9.1127% | 819 |
| Net charge-offs to loans | 0.0671% | 2,157 |
| Credit loss provision to net charge-offs | 390.6250% | 839 |
| Earnings coverage of net charge-offs (x) | 50.8281% | 1,124 |
| Efficiency ratio | 45.0970% | 5,148 |
| Assets per employee ($millions) | 7.6031% | 762 |
| Cash dividends to net income (ytd only)* | 31.6944% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,213 |
| Loan loss allowance to noncurrent loans | 152.8827% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 2,152 |
| Noncurrent loans to loans | 0.9977% | 1,626 |
| Net loans and leases to total assets | 62.1890% | 3,543 |
| Net loans and leases to deposits | 75.9581% | 3,351 |
| Net loans and leases to core deposits | 79.1490% | 3,490 |
| Total domestic deposits to total assets | 81.8727% | 3,677 |
| Equity capital to assets | 12.0960% | 1,825 |
| Core capital (leverage) ratio | 12.4439% | 1,487 |
| Tier 1 risk-based capital ratio | 16.8688% | 2,111 |
| Total risk-based capital ratio | 18.1196% | 2,057 |
| Memoranda: | ||
| Average total assets | $154,983,600 | 3,333 |
| Average earning assets | $145,157,600 | 3,312 |
| Average equity | $18,446,800 | 3,246 |
| Average total loans | $95,448,800 | 3,376 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3776% | 2,700 |
| Cost of funding earning assets | 0.9235% | 823 |
| Net interest margin | 3.4541% | 3,852 |
| Noninterest income to average assets | 0.5929% | 2,348 |
| Noninterest expense to average assets | 1.6990% | 5,135 |
| Loan and lease loss provision to assets | 0.2167% | 770 |
| Net operating income to assets | 1.5785% | 1,002 |
| Return on assets (ROA) | 1.5785% | 1,006 |
| Pretax return on assets | 1.9226% | 781 |
| Return on Equity (ROE) | 13.3182% | 1,324 |
| Retained earnings to average equity (ytd only) | 9.0397% | 1,203 |
| Net charge-offs to loans | 0.0850% | 1,660 |
| Credit loss provision to net charge-offs | 416.6667% | 801 |
| Earnings coverage of net charge-offs (x) | 41.1323% | 1,331 |
| Efficiency ratio | 44.2638% | 5,207 |
| Assets per employee ($millions) | 7.5930% | 738 |
| Cash dividends to net income (ytd only)* | 32.1252% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 1,159 |
| Loan loss allowance to noncurrent loans | 138.1720% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 2,103 |
| Noncurrent loans to loans | 1.1342% | 1,496 |
| Net loans and leases to total assets | 60.7405% | 3,771 |
| Net loans and leases to deposits | 76.7734% | 3,347 |
| Net loans and leases to core deposits | 80.1098% | 3,485 |
| Total domestic deposits to total assets | 79.1166% | 4,298 |
| Equity capital to assets | 11.6957% | 2,108 |
| Core capital (leverage) ratio | 12.3560% | 1,578 |
| Tier 1 risk-based capital ratio | 16.7641% | 2,180 |
| Total risk-based capital ratio | 18.0149% | 2,127 |
| Memoranda: | ||
| Average total assets | $153,813,250 | 3,371 |
| Average earning assets | $144,520,250 | 3,349 |
| Average equity | $18,230,250 | 3,293 |
| Average total loans | $94,103,000 | 3,430 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 2,744 |
| Cost of funding earning assets | 0.8304% | 1,002 |
| Net interest margin | 3.4741% | 3,722 |
| Noninterest income to average assets | 0.5910% | 2,374 |
| Noninterest expense to average assets | 1.7086% | 5,192 |
| Loan and lease loss provision to assets | 0.1645% | 1,122 |
| Net operating income to assets | 1.6270% | 855 |
| Return on assets (ROA) | 1.6270% | 859 |
| Pretax return on assets | 1.9838% | 624 |
| Return on Equity (ROE) | 13.6645% | 1,164 |
| Retained earnings to average equity (ytd only) | 9.3529% | 1,106 |
| Net charge-offs to loans | 0.1144% | 1,240 |
| Credit loss provision to net charge-offs | 235.8491% | 1,183 |
| Earnings coverage of net charge-offs (x) | 30.7925% | 1,477 |
| Efficiency ratio | 44.3003% | 5,274 |
| Assets per employee ($millions) | 7.6993% | 706 |
| Cash dividends to net income (ytd only)* | 31.5534% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 1,316 |
| Loan loss allowance to noncurrent loans | 135.1044% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 2,195 |
| Noncurrent loans to loans | 1.1288% | 1,558 |
| Net loans and leases to total assets | 59.7119% | 3,835 |
| Net loans and leases to deposits | 69.7765% | 3,880 |
| Net loans and leases to core deposits | 72.6666% | 3,969 |
| Total domestic deposits to total assets | 85.5760% | 2,465 |
| Equity capital to assets | 11.9602% | 1,879 |
| Core capital (leverage) ratio | 12.2485% | 1,572 |
| Tier 1 risk-based capital ratio | 17.0631% | 2,081 |
| Total risk-based capital ratio | 18.3128% | 2,026 |
| Memoranda: | ||
| Average total assets | $151,933,670 | 3,406 |
| Average earning assets | $142,828,000 | 3,380 |
| Average equity | $18,090,670 | 3,319 |
| Average total loans | $92,672,670 | 3,466 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 2,759 |
| Cost of funding earning assets | 0.7310% | 1,283 |
| Net interest margin | 3.5055% | 3,517 |
| Noninterest income to average assets | 0.8535% | 1,287 |
| Noninterest expense to average assets | 1.6566% | 5,285 |
| Loan and lease loss provision to assets | 0.3313% | 371 |
| Net operating income to assets | 1.7680% | 594 |
| Return on assets (ROA) | 1.7680% | 603 |
| Pretax return on assets | 2.1576% | 409 |
| Return on Equity (ROE) | 14.8822% | 823 |
| Retained earnings to average equity (ytd only) | 10.5313% | 1,009 |
| Net charge-offs to loans | 0.2166% | 689 |
| Credit loss provision to net charge-offs | 250.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 18.7800% | 1,526 |
| Efficiency ratio | 39.9616% | 5,459 |
| Assets per employee ($millions) | 7.5672% | 748 |
| Cash dividends to net income (ytd only)* | 29.2354% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 1,267 |
| Loan loss allowance to noncurrent loans | 127.8674% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 2,099 |
| Noncurrent loans to loans | 1.2168% | 1,491 |
| Net loans and leases to total assets | 59.6592% | 3,785 |
| Net loans and leases to deposits | 69.6639% | 3,815 |
| Net loans and leases to core deposits | 72.4197% | 3,923 |
| Total domestic deposits to total assets | 85.6386% | 2,700 |
| Equity capital to assets | 11.9206% | 1,846 |
| Core capital (leverage) ratio | 12.3456% | 1,458 |
| Tier 1 risk-based capital ratio | 17.3159% | 2,026 |
| Total risk-based capital ratio | 18.5665% | 1,979 |
| Memoranda: | ||
| Average total assets | $150,907,500 | 3,458 |
| Average earning assets | $141,719,500 | 3,431 |
| Average equity | $17,927,500 | 3,362 |
| Average total loans | $92,323,000 | 3,496 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 3,340 |
| Cost of funding earning assets | 0.6682% | 1,194 |
| Net interest margin | 3.3505% | 4,007 |
| Noninterest income to average assets | 0.4135% | 3,545 |
| Noninterest expense to average assets | 2.2326% | 4,470 |
| Loan and lease loss provision to assets | 0.1342% | 1,710 |
| Net operating income to assets | 0.8156% | 3,091 |
| Return on assets (ROA) | 0.8156% | 3,134 |
| Pretax return on assets | 1.1834% | 2,833 |
| Return on Equity (ROE) | 6.7879% | 3,386 |
| Retained earnings to average equity (ytd only) | 2.4302% | 3,876 |
| Net charge-offs to loans | 0.0356% | 3,085 |
| Credit loss provision to net charge-offs | 645.1613% | 501 |
| Earnings coverage of net charge-offs (x) | 63.3226% | 922 |
| Efficiency ratio | 62.8852% | 3,798 |
| Assets per employee ($millions) | 7.5236% | 755 |
| Cash dividends to net income (ytd only)* | 64.1975% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 1,569 |
| Loan loss allowance to noncurrent loans | 93.1771% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.9643% | 1,607 |
| Noncurrent loans to loans | 1.5614% | 1,083 |
| Net loans and leases to total assets | 60.8598% | 3,747 |
| Net loans and leases to deposits | 72.4834% | 3,651 |
| Net loans and leases to core deposits | 75.4229% | 3,783 |
| Total domestic deposits to total assets | 83.9638% | 3,226 |
| Equity capital to assets | 11.8387% | 1,955 |
| Core capital (leverage) ratio | 11.9694% | 1,617 |
| Tier 1 risk-based capital ratio | 16.4987% | 2,266 |
| Total risk-based capital ratio | 17.7448% | 2,204 |
| Memoranda: | ||
| Average total assets | $148,976,000 | 3,483 |
| Average earning assets | $139,473,600 | 3,461 |
| Average equity | $17,899,600 | 3,381 |
| Average total loans | $87,155,000 | 3,584 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 3,691 |
| Cost of funding earning assets | 0.6436% | 1,284 |
| Net interest margin | 3.2518% | 4,323 |
| Noninterest income to average assets | 0.4486% | 3,343 |
| Noninterest expense to average assets | 1.8043% | 5,267 |
| Loan and lease loss provision to assets | 0.1794% | 1,117 |
| Net operating income to assets | 1.1063% | 2,061 |
| Return on assets (ROA) | 1.1063% | 2,115 |
| Pretax return on assets | 1.5064% | 1,750 |
| Return on Equity (ROE) | 9.1734% | 2,514 |
| Retained earnings to average equity (ytd only) | 4.8210% | 3,009 |
| Net charge-offs to loans | 0.0404% | 2,630 |
| Credit loss provision to net charge-offs | 769.2308% | 446 |
| Earnings coverage of net charge-offs (x) | 72.2605% | 869 |
| Efficiency ratio | 51.6967% | 5,127 |
| Assets per employee ($millions) | 7.5757% | 738 |
| Cash dividends to net income (ytd only)* | 47.4452% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 1,317 |
| Loan loss allowance to noncurrent loans | 90.9517% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.9847% | 1,728 |
| Noncurrent loans to loans | 1.7216% | 1,049 |
| Net loans and leases to total assets | 56.3047% | 4,207 |
| Net loans and leases to deposits | 66.9558% | 4,187 |
| Net loans and leases to core deposits | 69.6428% | 4,259 |
| Total domestic deposits to total assets | 84.0925% | 3,091 |
| Equity capital to assets | 12.0861% | 1,911 |
| Core capital (leverage) ratio | 12.2728% | 1,529 |
| Tier 1 risk-based capital ratio | 16.2152% | 2,409 |
| Total risk-based capital ratio | 17.4298% | 2,378 |
| Memoranda: | ||
| Average total assets | $148,602,000 | 3,520 |
| Average earning assets | $138,996,250 | 3,496 |
| Average equity | $17,921,000 | 3,405 |
| Average total loans | $85,711,500 | 3,645 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 3,786 |
| Cost of funding earning assets | 0.6092% | 1,388 |
| Net interest margin | 3.2213% | 4,348 |
| Noninterest income to average assets | 0.4972% | 3,044 |
| Noninterest expense to average assets | 1.7842% | 5,330 |
| Loan and lease loss provision to assets | 0.1355% | 1,532 |
| Net operating income to assets | 1.1596% | 1,741 |
| Return on assets (ROA) | 1.1596% | 1,783 |
| Pretax return on assets | 1.5932% | 1,368 |
| Return on Equity (ROE) | 9.6230% | 2,202 |
| Retained earnings to average equity (ytd only) | 5.2387% | 2,556 |
| Net charge-offs to loans | 0.0562% | 2,126 |
| Credit loss provision to net charge-offs | 416.6667% | 762 |
| Earnings coverage of net charge-offs (x) | 53.1667% | 1,027 |
| Efficiency ratio | 50.7906% | 5,255 |
| Assets per employee ($millions) | 7.4243% | 770 |
| Cash dividends to net income (ytd only)* | 45.5607% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 1,556 |
| Loan loss allowance to noncurrent loans | 95.3788% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 1,995 |
| Noncurrent loans to loans | 1.5785% | 1,181 |
| Net loans and leases to total assets | 55.4696% | 4,271 |
| Net loans and leases to deposits | 66.1404% | 4,216 |
| Net loans and leases to core deposits | 68.8547% | 4,309 |
| Total domestic deposits to total assets | 83.8664% | 3,251 |
| Equity capital to assets | 12.2309% | 1,771 |
| Core capital (leverage) ratio | 12.3826% | 1,427 |
| Tier 1 risk-based capital ratio | 16.3227% | 2,388 |
| Total risk-based capital ratio | 17.4687% | 2,364 |
| Memoranda: | ||
| Average total assets | $147,631,670 | 3,554 |
| Average earning assets | $138,204,330 | 3,521 |
| Average equity | $17,790,670 | 3,432 |
| Average total loans | $85,393,330 | 3,670 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 3,743 |
| Cost of funding earning assets | 0.5980% | 1,390 |
| Net interest margin | 3.2105% | 4,309 |
| Noninterest income to average assets | 0.6603% | 2,138 |
| Noninterest expense to average assets | 1.8152% | 5,354 |
| Loan and lease loss provision to assets | 0.2717% | 532 |
| Net operating income to assets | 1.1494% | 1,668 |
| Return on assets (ROA) | 1.1494% | 1,706 |
| Pretax return on assets | 1.5788% | 1,291 |
| Return on Equity (ROE) | 9.6106% | 2,134 |
| Retained earnings to average equity (ytd only) | 5.1802% | 2,795 |
| Net charge-offs to loans | 0.1066% | 1,314 |
| Credit loss provision to net charge-offs | 434.7826% | 619 |
| Earnings coverage of net charge-offs (x) | 29.6087% | 1,225 |
| Efficiency ratio | 49.5182% | 5,401 |
| Assets per employee ($millions) | 7.3472% | 802 |
| Cash dividends to net income (ytd only)* | 46.0993% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,688 |
| Loan loss allowance to noncurrent loans | 93.6107% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 2,021 |
| Noncurrent loans to loans | 1.6033% | 1,209 |
| Net loans and leases to total assets | 56.2749% | 4,142 |
| Net loans and leases to deposits | 66.0463% | 4,169 |
| Net loans and leases to core deposits | 68.5677% | 4,249 |
| Total domestic deposits to total assets | 85.2051% | 3,001 |
| Equity capital to assets | 12.1101% | 1,768 |
| Core capital (leverage) ratio | 12.1348% | 1,544 |
| Tier 1 risk-based capital ratio | 16.3748% | 2,405 |
| Total risk-based capital ratio | 17.5410% | 2,384 |
| Memoranda: | ||
| Average total assets | $147,205,000 | 3,589 |
| Average earning assets | $137,797,500 | 3,558 |
| Average equity | $17,605,500 | 3,467 |
| Average total loans | $86,278,500 | 3,678 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8224% | 3,829 |
| Cost of funding earning assets | 0.5837% | 1,465 |
| Net interest margin | 3.2386% | 4,332 |
| Noninterest income to average assets | 0.4446% | 3,580 |
| Noninterest expense to average assets | 1.8242% | 5,451 |
| Loan and lease loss provision to assets | 0.0684% | 2,999 |
| Net operating income to assets | 1.1601% | 1,646 |
| Return on assets (ROA) | 1.1601% | 1,744 |
| Pretax return on assets | 1.5766% | 1,351 |
| Return on Equity (ROE) | 9.7580% | 2,075 |
| Retained earnings to average equity (ytd only) | 5.2702% | 2,149 |
| Net charge-offs to loans | 0.0086% | 3,973 |
| Credit loss provision to net charge-offs | 1,428.5714% | 291 |
| Earnings coverage of net charge-offs (x) | 343.5714% | 235 |
| Efficiency ratio | 52.5828% | 5,343 |
| Assets per employee ($millions) | 7.3734% | 768 |
| Cash dividends to net income (ytd only)* | 45.9906% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 2,361 |
| Loan loss allowance to noncurrent loans | 98.5833% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.8137% | 2,313 |
| Noncurrent loans to loans | 1.3543% | 1,516 |
| Net loans and leases to total assets | 59.2824% | 3,928 |
| Net loans and leases to deposits | 71.2091% | 3,788 |
| Net loans and leases to core deposits | 75.0945% | 3,831 |
| Total domestic deposits to total assets | 83.2512% | 3,676 |
| Equity capital to assets | 11.8101% | 1,930 |
| Core capital (leverage) ratio | 12.0348% | 1,576 |
| Tier 1 risk-based capital ratio | 15.6038% | 2,706 |
| Total risk-based capital ratio | 16.6607% | 2,723 |
| Memoranda: | ||
| Average total assets | $146,199,600 | 3,574 |
| Average earning assets | $136,538,600 | 3,545 |
| Average equity | $17,380,600 | 3,501 |
| Average total loans | $81,664,800 | 3,770 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7734% | 4,005 |
| Cost of funding earning assets | 0.5792% | 1,491 |
| Net interest margin | 3.1942% | 4,506 |
| Noninterest income to average assets | 0.4670% | 3,446 |
| Noninterest expense to average assets | 1.8224% | 5,490 |
| Loan and lease loss provision to assets | 0.0914% | 2,400 |
| Net operating income to assets | 1.1360% | 1,859 |
| Return on assets (ROA) | 1.1360% | 1,970 |
| Pretax return on assets | 1.5373% | 1,582 |
| Return on Equity (ROE) | 9.5401% | 2,253 |
| Retained earnings to average equity (ytd only) | 5.0502% | 2,791 |
| Net charge-offs to loans | 0.0367% | 2,895 |
| Credit loss provision to net charge-offs | 454.5455% | 761 |
| Earnings coverage of net charge-offs (x) | 81.0072% | 771 |
| Efficiency ratio | 52.8072% | 5,326 |
| Assets per employee ($millions) | 7.3345% | 779 |
| Cash dividends to net income (ytd only)* | 47.0636% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 2,327 |
| Loan loss allowance to noncurrent loans | 83.9684% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.9483% | 2,188 |
| Noncurrent loans to loans | 1.6356% | 1,313 |
| Net loans and leases to total assets | 57.1788% | 4,177 |
| Net loans and leases to deposits | 69.0744% | 4,055 |
| Net loans and leases to core deposits | 73.0536% | 4,080 |
| Total domestic deposits to total assets | 82.7785% | 3,676 |
| Equity capital to assets | 12.0513% | 2,084 |
| Core capital (leverage) ratio | 12.0133% | 1,669 |
| Tier 1 risk-based capital ratio | 15.9099% | 2,664 |
| Total risk-based capital ratio | 16.9899% | 2,666 |
| Memoranda: | ||
| Average total assets | $145,882,750 | 3,594 |
| Average earning assets | $136,284,000 | 3,565 |
| Average equity | $17,371,750 | 3,528 |
| Average total loans | $79,929,750 | 3,827 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7812% | 4,021 |
| Cost of funding earning assets | 0.5805% | 1,468 |
| Net interest margin | 3.2007% | 4,538 |
| Noninterest income to average assets | 0.5260% | 3,031 |
| Noninterest expense to average assets | 1.8116% | 5,581 |
| Loan and lease loss provision to assets | 0.0687% | 2,764 |
| Net operating income to assets | 1.2046% | 1,583 |
| Return on assets (ROA) | 1.2046% | 1,681 |
| Pretax return on assets | 1.6372% | 1,263 |
| Return on Equity (ROE) | 10.1565% | 1,980 |
| Retained earnings to average equity (ytd only) | 5.6399% | 2,342 |
| Net charge-offs to loans | 0.0588% | 2,348 |
| Credit loss provision to net charge-offs | 217.3913% | 1,230 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 942 |
| Efficiency ratio | 51.5033% | 5,472 |
| Assets per employee ($millions) | 7.1353% | 823 |
| Cash dividends to net income (ytd only)* | 44.4698% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 2,043 |
| Loan loss allowance to noncurrent loans | 103.9070% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 2,717 |
| Noncurrent loans to loans | 1.4020% | 1,595 |
| Net loans and leases to total assets | 52.9487% | 4,594 |
| Net loans and leases to deposits | 62.9512% | 4,576 |
| Net loans and leases to core deposits | 66.6217% | 4,561 |
| Total domestic deposits to total assets | 84.1107% | 3,221 |
| Equity capital to assets | 12.3534% | 1,866 |
| Core capital (leverage) ratio | 11.8172% | 1,752 |
| Tier 1 risk-based capital ratio | 16.7751% | 2,323 |
| Total risk-based capital ratio | 17.8751% | 2,326 |
| Memoranda: | ||
| Average total assets | $145,614,000 | 3,623 |
| Average earning assets | $136,094,000 | 3,594 |
| Average equity | $17,269,670 | 3,548 |
| Average total loans | $78,225,330 | 3,895 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7298% | 4,213 |
| Cost of funding earning assets | 0.5807% | 1,474 |
| Net interest margin | 3.1491% | 4,730 |
| Noninterest income to average assets | 0.7724% | 1,720 |
| Noninterest expense to average assets | 1.8359% | 5,605 |
| Loan and lease loss provision to assets | 0.1360% | 1,541 |
| Net operating income to assets | 1.2892% | 1,281 |
| Return on assets (ROA) | 1.2892% | 1,365 |
| Pretax return on assets | 1.7652% | 910 |
| Return on Equity (ROE) | 11.0942% | 1,570 |
| Retained earnings to average equity (ytd only) | 6.5301% | 2,121 |
| Net charge-offs to loans | 0.0152% | 2,632 |
| Credit loss provision to net charge-offs | 1,666.6667% | 245 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 269 |
| Efficiency ratio | 49.1266% | 5,670 |
| Assets per employee ($millions) | 7.3096% | 770 |
| Cash dividends to net income (ytd only)* | 41.1392% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 2,264 |
| Loan loss allowance to noncurrent loans | 100.6195% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 2,763 |
| Noncurrent loans to loans | 1.4268% | 1,668 |
| Net loans and leases to total assets | 53.3952% | 4,508 |
| Net loans and leases to deposits | 66.0526% | 4,248 |
| Net loans and leases to core deposits | 69.9641% | 4,244 |
| Total domestic deposits to total assets | 80.8374% | 4,544 |
| Equity capital to assets | 11.8325% | 2,131 |
| Core capital (leverage) ratio | 11.5082% | 1,967 |
| Tier 1 risk-based capital ratio | 16.0213% | 2,674 |
| Total risk-based capital ratio | 17.1039% | 2,692 |
| Memoranda: | ||
| Average total assets | $147,068,000 | 3,618 |
| Average earning assets | $138,454,000 | 3,582 |
| Average equity | $17,090,000 | 3,574 |
| Average total loans | $78,999,000 | 3,885 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5559% | 4,788 |
| Cost of funding earning assets | 0.6051% | 1,331 |
| Net interest margin | 2.9508% | 5,246 |
| Noninterest income to average assets | 0.3825% | 4,167 |
| Noninterest expense to average assets | 1.7891% | 5,752 |
| Loan and lease loss provision to assets | 0.0685% | 2,924 |
| Net operating income to assets | 0.9953% | 2,387 |
| Return on assets (ROA) | 0.9953% | 2,481 |
| Pretax return on assets | 1.3059% | 2,257 |
| Return on Equity (ROE) | 8.7341% | 2,611 |
| Retained earnings to average equity (ytd only) | 4.0423% | 3,143 |
| Net charge-offs to loans | 0.0133% | 4,029 |
| Credit loss provision to net charge-offs | 1,000.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 200.5000% | 336 |
| Efficiency ratio | 56.5547% | 5,292 |
| Assets per employee ($millions) | 7.7866% | 617 |
| Cash dividends to net income (ytd only)* | 53.7190% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 2,504 |
| Loan loss allowance to noncurrent loans | 91.1371% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 2,647 |
| Noncurrent loans to loans | 1.5177% | 1,531 |
| Net loans and leases to total assets | 52.5276% | 4,648 |
| Net loans and leases to deposits | 64.7034% | 4,419 |
| Net loans and leases to core deposits | 68.2624% | 4,431 |
| Total domestic deposits to total assets | 81.1822% | 4,434 |
| Equity capital to assets | 11.4110% | 2,437 |
| Core capital (leverage) ratio | 11.3578% | 2,080 |
| Tier 1 risk-based capital ratio | 15.8518% | 2,760 |
| Total risk-based capital ratio | 16.8960% | 2,791 |
| Memoranda: | ||
| Average total assets | $145,879,600 | 3,632 |
| Average earning assets | $137,488,400 | 3,571 |
| Average equity | $16,624,400 | 3,579 |
| Average total loans | $74,955,200 | 3,972 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5244% | 4,927 |
| Cost of funding earning assets | 0.6101% | 1,343 |
| Net interest margin | 2.9143% | 5,380 |
| Noninterest income to average assets | 0.4164% | 3,959 |
| Noninterest expense to average assets | 1.7721% | 5,819 |
| Loan and lease loss provision to assets | 0.0917% | 2,336 |
| Net operating income to assets | 0.9888% | 2,520 |
| Return on assets (ROA) | 0.9888% | 2,606 |
| Pretax return on assets | 1.2997% | 2,404 |
| Return on Equity (ROE) | 8.6793% | 2,743 |
| Retained earnings to average equity (ytd only) | 3.9693% | 3,644 |
| Net charge-offs to loans | 0.0144% | 3,673 |
| Credit loss provision to net charge-offs | 1,250.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 189.5614% | 380 |
| Efficiency ratio | 56.0162% | 5,354 |
| Assets per employee ($millions) | 7.7155% | 614 |
| Cash dividends to net income (ytd only)* | 54.2670% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 2,351 |
| Loan loss allowance to noncurrent loans | 77.6119% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 0.9598% | 2,452 |
| Noncurrent loans to loans | 1.8734% | 1,238 |
| Net loans and leases to total assets | 50.4874% | 4,893 |
| Net loans and leases to deposits | 58.3139% | 4,976 |
| Net loans and leases to core deposits | 61.8721% | 4,949 |
| Total domestic deposits to total assets | 86.5787% | 2,242 |
| Equity capital to assets | 11.4629% | 2,534 |
| Core capital (leverage) ratio | 11.3534% | 2,150 |
| Tier 1 risk-based capital ratio | 16.0112% | 2,789 |
| Total risk-based capital ratio | 17.0793% | 2,816 |
| Memoranda: | ||
| Average total assets | $145,363,250 | 3,674 |
| Average earning assets | $137,020,250 | 3,611 |
| Average equity | $16,560,000 | 3,616 |
| Average total loans | $73,993,500 | 4,033 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5172% | 4,938 |
| Cost of funding earning assets | 0.6115% | 1,336 |
| Net interest margin | 2.9057% | 5,432 |
| Noninterest income to average assets | 0.5643% | 2,946 |
| Noninterest expense to average assets | 1.8392% | 5,797 |
| Loan and lease loss provision to assets | 0.0690% | 2,734 |
| Net operating income to assets | 1.0541% | 2,125 |
| Return on assets (ROA) | 1.0541% | 2,236 |
| Pretax return on assets | 1.4032% | 1,968 |
| Return on Equity (ROE) | 9.2726% | 2,394 |
| Retained earnings to average equity (ytd only) | 4.5392% | 3,140 |
| Net charge-offs to loans | 0.0190% | 3,311 |
| Credit loss provision to net charge-offs | 714.2857% | 475 |
| Earnings coverage of net charge-offs (x) | 152.4286% | 426 |
| Efficiency ratio | 55.5417% | 5,469 |
| Assets per employee ($millions) | 7.5011% | 673 |
| Cash dividends to net income (ytd only)* | 51.0471% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 2,463 |
| Loan loss allowance to noncurrent loans | 86.9892% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8820% | 2,782 |
| Noncurrent loans to loans | 1.6783% | 1,549 |
| Net loans and leases to total assets | 49.3966% | 4,988 |
| Net loans and leases to deposits | 57.9968% | 4,994 |
| Net loans and leases to core deposits | 61.6976% | 4,966 |
| Total domestic deposits to total assets | 85.1712% | 3,050 |
| Equity capital to assets | 11.5949% | 2,335 |
| Core capital (leverage) ratio | 11.3455% | 2,125 |
| Tier 1 risk-based capital ratio | 16.5523% | 2,588 |
| Total risk-based capital ratio | 17.6148% | 2,635 |
| Memoranda: | ||
| Average total assets | $144,952,670 | 3,709 |
| Average earning assets | $137,039,330 | 3,641 |
| Average equity | $16,478,670 | 3,644 |
| Average total loans | $73,623,330 | 4,070 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4995% | 4,966 |
| Cost of funding earning assets | 0.6045% | 1,399 |
| Net interest margin | 2.8950% | 5,466 |
| Noninterest income to average assets | 0.8018% | 1,703 |
| Noninterest expense to average assets | 1.8773% | 5,794 |
| Loan and lease loss provision to assets | 0.1368% | 1,508 |
| Net operating income to assets | 1.1357% | 1,738 |
| Return on assets (ROA) | 1.1357% | 1,847 |
| Pretax return on assets | 1.5270% | 1,473 |
| Return on Equity (ROE) | 10.0878% | 1,967 |
| Retained earnings to average equity (ytd only) | 5.3478% | 2,864 |
| Net charge-offs to loans | 0.0107% | 2,977 |
| Credit loss provision to net charge-offs | 2,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 185 |
| Efficiency ratio | 53.0139% | 5,751 |
| Assets per employee ($millions) | 7.5918% | 649 |
| Cash dividends to net income (ytd only)* | 46.9880% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 2,474 |
| Loan loss allowance to noncurrent loans | 89.2583% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 0.8534% | 2,944 |
| Noncurrent loans to loans | 1.6724% | 1,654 |
| Net loans and leases to total assets | 47.8977% | 5,044 |
| Net loans and leases to deposits | 56.3733% | 5,024 |
| Net loans and leases to core deposits | 60.2018% | 4,983 |
| Total domestic deposits to total assets | 84.9652% | 3,431 |
| Equity capital to assets | 11.5678% | 2,404 |
| Core capital (leverage) ratio | 11.2918% | 2,163 |
| Tier 1 risk-based capital ratio | 16.6877% | 2,600 |
| Total risk-based capital ratio | 17.7732% | 2,617 |
| Memoranda: | ||
| Average total assets | $146,169,000 | 3,711 |
| Average earning assets | $138,307,000 | 3,648 |
| Average equity | $16,455,500 | 3,668 |
| Average total loans | $74,713,500 | 4,055 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6413% | 4,962 |
| Cost of funding earning assets | 0.6391% | 1,483 |
| Net interest margin | 3.0022% | 5,446 |
| Noninterest income to average assets | 0.3163% | 4,856 |
| Noninterest expense to average assets | 1.7865% | 6,082 |
| Loan and lease loss provision to assets | 0.0688% | 3,109 |
| Net operating income to assets | 0.9625% | 2,568 |
| Return on assets (ROA) | 0.9641% | 2,646 |
| Pretax return on assets | 1.2797% | 2,310 |
| Return on Equity (ROE) | 8.8750% | 2,651 |
| Retained earnings to average equity (ytd only) | 3.9374% | 3,409 |
| Net charge-offs to loans | 0.1001% | 3,075 |
| Credit loss provision to net charge-offs | 133.3333% | 1,779 |
| Earnings coverage of net charge-offs (x) | 26.1067% | 1,476 |
| Efficiency ratio | 57.0237% | 5,564 |
| Assets per employee ($millions) | 7.7944% | 578 |
| Cash dividends to net income (ytd only)* | 55.6348% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 3,666 |
| Loan loss allowance to noncurrent loans | 72.0260% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9366% | 2,872 |
| Noncurrent loans to loans | 1.7493% | 1,653 |
| Net loans and leases to total assets | 52.8661% | 4,703 |
| Net loans and leases to deposits | 65.2882% | 4,398 |
| Net loans and leases to core deposits | 70.4499% | 4,285 |
| Total domestic deposits to total assets | 80.9734% | 4,757 |
| Equity capital to assets | 10.9560% | 2,941 |
| Core capital (leverage) ratio | 10.8430% | 2,562 |
| Tier 1 risk-based capital ratio | 16.7951% | 2,597 |
| Total risk-based capital ratio | 17.8521% | 2,621 |
| Memoranda: | ||
| Average total assets | $145,422,200 | 3,703 |
| Average earning assets | $136,434,000 | 3,650 |
| Average equity | $15,797,200 | 3,710 |
| Average total loans | $74,929,600 | 4,024 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6299% | 5,068 |
| Cost of funding earning assets | 0.6389% | 1,535 |
| Net interest margin | 2.9910% | 5,520 |
| Noninterest income to average assets | 0.3472% | 4,663 |
| Noninterest expense to average assets | 1.7814% | 6,116 |
| Loan and lease loss provision to assets | 0.0921% | 2,514 |
| Net operating income to assets | 0.9522% | 2,673 |
| Return on assets (ROA) | 0.9542% | 2,748 |
| Pretax return on assets | 1.2794% | 2,460 |
| Return on Equity (ROE) | 8.8036% | 2,784 |
| Retained earnings to average equity (ytd only) | 3.8324% | 3,923 |
| Net charge-offs to loans | 0.1011% | 2,790 |
| Credit loss provision to net charge-offs | 178.5714% | 1,394 |
| Earnings coverage of net charge-offs (x) | 26.5374% | 1,481 |
| Efficiency ratio | 56.5497% | 5,604 |
| Assets per employee ($millions) | 7.7638% | 571 |
| Cash dividends to net income (ytd only)* | 56.4671% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 3,389 |
| Loan loss allowance to noncurrent loans | 60.4872% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.1409% | 2,670 |
| Noncurrent loans to loans | 2.2356% | 1,357 |
| Net loans and leases to total assets | 50.3434% | 4,966 |
| Net loans and leases to deposits | 58.7250% | 5,041 |
| Net loans and leases to core deposits | 63.0860% | 4,962 |
| Total domestic deposits to total assets | 85.7274% | 2,997 |
| Equity capital to assets | 10.9028% | 3,065 |
| Core capital (leverage) ratio | 10.8608% | 2,620 |
| Tier 1 risk-based capital ratio | 16.8530% | 2,666 |
| Total risk-based capital ratio | 17.9456% | 2,684 |
| Memoranda: | ||
| Average total assets | $144,754,500 | 3,747 |
| Average earning assets | $135,647,500 | 3,693 |
| Average equity | $15,690,250 | 3,736 |
| Average total loans | $73,839,500 | 4,096 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6496% | 5,011 |
| Cost of funding earning assets | 0.6391% | 1,596 |
| Net interest margin | 3.0106% | 5,490 |
| Noninterest income to average assets | 0.4018% | 4,229 |
| Noninterest expense to average assets | 1.8911% | 6,010 |
| Loan and lease loss provision to assets | 0.1390% | 1,781 |
| Net operating income to assets | 0.8882% | 2,869 |
| Return on assets (ROA) | 0.8913% | 2,949 |
| Pretax return on assets | 1.1861% | 2,727 |
| Return on Equity (ROE) | 8.2394% | 2,963 |
| Retained earnings to average equity (ytd only) | 3.2264% | 4,151 |
| Net charge-offs to loans | 0.1445% | 2,225 |
| Credit loss provision to net charge-offs | 188.6792% | 1,222 |
| Earnings coverage of net charge-offs (x) | 17.9245% | 1,707 |
| Efficiency ratio | 58.8745% | 5,450 |
| Assets per employee ($millions) | 7.5308% | 617 |
| Cash dividends to net income (ytd only)* | 60.8424% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 3,253 |
| Loan loss allowance to noncurrent loans | 63.1026% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.1308% | 2,817 |
| Noncurrent loans to loans | 2.2483% | 1,451 |
| Net loans and leases to total assets | 49.5817% | 5,005 |
| Net loans and leases to deposits | 58.2387% | 5,022 |
| Net loans and leases to core deposits | 62.6526% | 4,920 |
| Total domestic deposits to total assets | 85.1354% | 3,441 |
| Equity capital to assets | 11.1256% | 2,764 |
| Core capital (leverage) ratio | 11.0313% | 2,390 |
| Tier 1 risk-based capital ratio | 15.7303% | 3,230 |
| Total risk-based capital ratio | 16.7662% | 3,296 |
| Memoranda: | ||
| Average total assets | $143,835,000 | 3,784 |
| Average earning assets | $134,260,670 | 3,739 |
| Average equity | $15,559,330 | 3,761 |
| Average total loans | $73,359,000 | 4,125 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6758% | 4,926 |
| Cost of funding earning assets | 0.6340% | 1,699 |
| Net interest margin | 3.0418% | 5,408 |
| Noninterest income to average assets | 0.5714% | 2,908 |
| Noninterest expense to average assets | 2.0720% | 5,734 |
| Loan and lease loss provision to assets | 0.2774% | 741 |
| Net operating income to assets | 0.8064% | 3,120 |
| Return on assets (ROA) | 0.8127% | 3,164 |
| Pretax return on assets | 1.0651% | 3,062 |
| Return on Equity (ROE) | 7.6205% | 3,135 |
| Retained earnings to average equity (ytd only) | 2.5488% | 4,538 |
| Net charge-offs to loans | 0.2809% | 1,222 |
| Credit loss provision to net charge-offs | 192.3077% | 1,076 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 1,953 |
| Efficiency ratio | 60.8306% | 5,287 |
| Assets per employee ($millions) | 7.4135% | 655 |
| Cash dividends to net income (ytd only)* | 66.5529% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 3,381 |
| Loan loss allowance to noncurrent loans | 61.9394% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.1714% | 2,915 |
| Noncurrent loans to loans | 2.3357% | 1,521 |
| Net loans and leases to total assets | 49.4267% | 4,962 |
| Net loans and leases to deposits | 57.8440% | 4,961 |
| Net loans and leases to core deposits | 61.7240% | 4,906 |
| Total domestic deposits to total assets | 85.4484% | 3,649 |
| Equity capital to assets | 11.0232% | 2,695 |
| Core capital (leverage) ratio | 10.8746% | 2,519 |
| Tier 1 risk-based capital ratio | 15.9617% | 3,187 |
| Total risk-based capital ratio | 17.0243% | 3,249 |
| Memoranda: | ||
| Average total assets | $144,210,000 | 3,803 |
| Average earning assets | $134,392,500 | 3,758 |
| Average equity | $15,379,500 | 3,796 |
| Average total loans | $74,056,000 | 4,135 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7190% | 5,074 |
| Cost of funding earning assets | 0.6177% | 2,508 |
| Net interest margin | 3.1013% | 5,309 |
| Noninterest income to average assets | 0.3084% | 5,132 |
| Noninterest expense to average assets | 1.8301% | 6,275 |
| Loan and lease loss provision to assets | 0.0717% | 3,682 |
| Net operating income to assets | 0.9703% | 2,466 |
| Return on assets (ROA) | 0.9703% | 2,533 |
| Pretax return on assets | 1.3088% | 2,114 |
| Return on Equity (ROE) | 8.7798% | 2,651 |
| Retained earnings to average equity (ytd only) | 4.9836% | 2,610 |
| Net charge-offs to loans | -0.0226% | 6,164 |
| Credit loss provision to net charge-offs | -625.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0025% | 5,850 |
| Assets per employee ($millions) | 7.7665% | 527 |
| Cash dividends to net income (ytd only)* | 43.2373% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 4,361 |
| Loan loss allowance to noncurrent loans | 60.6476% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 1.0883% | 3,232 |
| Noncurrent loans to loans | 2.0731% | 1,912 |
| Net loans and leases to total assets | 51.8389% | 4,877 |
| Net loans and leases to deposits | 63.8987% | 4,514 |
| Net loans and leases to core deposits | 68.5169% | 4,449 |
| Total domestic deposits to total assets | 81.1267% | 5,131 |
| Equity capital to assets | 10.3224% | 3,376 |
| Core capital (leverage) ratio | 10.7383% | 2,637 |
| Tier 1 risk-based capital ratio | 14.8071% | 3,777 |
| Total risk-based capital ratio | 15.7527% | 3,890 |
| Memoranda: | ||
| Average total assets | $139,442,600 | 3,882 |
| Average earning assets | $130,493,000 | 3,834 |
| Average equity | $15,410,400 | 3,798 |
| Average total loans | $70,831,600 | 4,236 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 5,092 |
| Cost of funding earning assets | 0.6087% | 2,742 |
| Net interest margin | 3.1181% | 5,272 |
| Noninterest income to average assets | 0.3415% | 4,960 |
| Noninterest expense to average assets | 1.8280% | 6,305 |
| Loan and lease loss provision to assets | 0.0970% | 3,141 |
| Net operating income to assets | 0.9907% | 2,408 |
| Return on assets (ROA) | 0.9907% | 2,509 |
| Pretax return on assets | 1.3390% | 2,172 |
| Return on Equity (ROE) | 8.8082% | 2,735 |
| Retained earnings to average equity (ytd only) | 5.4436% | 2,762 |
| Net charge-offs to loans | -0.0347% | 6,198 |
| Credit loss provision to net charge-offs | -555.5556% | 6,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0048% | 5,903 |
| Assets per employee ($millions) | 7.3465% | 626 |
| Cash dividends to net income (ytd only)* | 38.1980% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 4,178 |
| Loan loss allowance to noncurrent loans | 63.0491% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.1090% | 3,436 |
| Noncurrent loans to loans | 2.1302% | 2,100 |
| Net loans and leases to total assets | 51.3619% | 4,952 |
| Net loans and leases to deposits | 60.4387% | 4,921 |
| Net loans and leases to core deposits | 65.5449% | 4,752 |
| Total domestic deposits to total assets | 84.9818% | 3,760 |
| Equity capital to assets | 10.9325% | 2,825 |
| Core capital (leverage) ratio | 11.0041% | 2,476 |
| Tier 1 risk-based capital ratio | 15.4919% | 3,475 |
| Total risk-based capital ratio | 16.4923% | 3,550 |
| Memoranda: | ||
| Average total assets | $137,412,500 | 3,967 |
| Average earning assets | $128,795,000 | 3,910 |
| Average equity | $15,455,000 | 3,838 |
| Average total loans | $69,172,250 | 4,330 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 5,142 |
| Cost of funding earning assets | 0.5937% | 2,996 |
| Net interest margin | 3.1060% | 5,255 |
| Noninterest income to average assets | 0.4053% | 4,488 |
| Noninterest expense to average assets | 1.8612% | 6,281 |
| Loan and lease loss provision to assets | 0.0732% | 3,578 |
| Net operating income to assets | 1.0154% | 2,264 |
| Return on assets (ROA) | 1.0154% | 2,391 |
| Pretax return on assets | 1.3798% | 2,005 |
| Return on Equity (ROE) | 8.9433% | 2,635 |
| Retained earnings to average equity (ytd only) | 6.4304% | 2,186 |
| Net charge-offs to loans | -0.0529% | 6,290 |
| Credit loss provision to net charge-offs | -277.7778% | 5,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1589% | 5,949 |
| Assets per employee ($millions) | 7.2178% | 653 |
| Cash dividends to net income (ytd only)* | 28.0980% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 4,359 |
| Loan loss allowance to noncurrent loans | 226.9608% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 5,575 |
| Noncurrent loans to loans | 0.5866% | 4,789 |
| Net loans and leases to total assets | 50.0456% | 5,104 |
| Net loans and leases to deposits | 59.9941% | 4,980 |
| Net loans and leases to core deposits | 63.9431% | 4,900 |
| Total domestic deposits to total assets | 83.4176% | 4,536 |
| Equity capital to assets | 10.8649% | 2,881 |
| Core capital (leverage) ratio | 10.7522% | 2,619 |
| Tier 1 risk-based capital ratio | 17.5915% | 2,482 |
| Total risk-based capital ratio | 18.6788% | 2,513 |
| Memoranda: | ||
| Average total assets | $136,688,670 | 4,003 |
| Average earning assets | $128,010,670 | 3,945 |
| Average equity | $15,520,000 | 3,850 |
| Average total loans | $68,006,670 | 4,381 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6937% | 5,191 |
| Cost of funding earning assets | 0.5806% | 3,288 |
| Net interest margin | 3.1131% | 5,215 |
| Noninterest income to average assets | 0.5100% | 3,709 |
| Noninterest expense to average assets | 1.8261% | 6,401 |
| Loan and lease loss provision to assets | 0.1466% | 2,411 |
| Net operating income to assets | 1.0552% | 2,017 |
| Return on assets (ROA) | 1.0552% | 2,129 |
| Pretax return on assets | 1.4451% | 1,722 |
| Return on Equity (ROE) | 9.0967% | 2,443 |
| Retained earnings to average equity (ytd only) | 9.0967% | 1,353 |
| Net charge-offs to loans | -0.0714% | 6,286 |
| Credit loss provision to net charge-offs | -416.6667% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4305% | 6,266 |
| Assets per employee ($millions) | 7.2257% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 4,081 |
| Loan loss allowance to noncurrent loans | 859.8131% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 6,357 |
| Noncurrent loans to loans | 0.1665% | 5,983 |
| Net loans and leases to total assets | 46.1282% | 5,427 |
| Net loans and leases to deposits | 52.7931% | 5,544 |
| Net loans and leases to core deposits | 56.0905% | 5,513 |
| Total domestic deposits to total assets | 87.3755% | 2,704 |
| Equity capital to assets | 11.6120% | 2,319 |
| Core capital (leverage) ratio | 11.0622% | 2,210 |
| Tier 1 risk-based capital ratio | 16.9431% | 2,776 |
| Total risk-based capital ratio | 17.9933% | 2,855 |
| Memoranda: | ||
| Average total assets | $136,463,500 | 4,052 |
| Average earning assets | $127,459,500 | 3,992 |
| Average equity | $15,830,000 | 3,844 |
| Average total loans | $67,231,000 | 4,447 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 5,407 |
| Cost of funding earning assets | 0.6886% | 3,583 |
| Net interest margin | 3.2768% | 5,332 |
| Noninterest income to average assets | 0.2848% | 5,434 |
| Noninterest expense to average assets | 1.9535% | 6,414 |
| Loan and lease loss provision to assets | 0.0782% | 4,729 |
| Net operating income to assets | 0.9552% | 2,519 |
| Return on assets (ROA) | 0.9552% | 2,773 |
| Pretax return on assets | 1.3057% | 2,375 |
| Return on Equity (ROE) | 7.6899% | 3,239 |
| Retained earnings to average equity (ytd only) | 0.1197% | 5,779 |
| Net charge-offs to loans | 0.2213% | 3,621 |
| Credit loss provision to net charge-offs | 68.9655% | 4,206 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 1,955 |
| Efficiency ratio | 58.5326% | 5,762 |
| Assets per employee ($millions) | 7.1388% | 728 |
| Cash dividends to net income (ytd only)* | 98.4439% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 5,012 |
| Loan loss allowance to noncurrent loans | 458.8235% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 6,221 |
| Noncurrent loans to loans | 0.2663% | 5,813 |
| Net loans and leases to total assets | 51.1324% | 5,017 |
| Net loans and leases to deposits | 60.4422% | 4,977 |
| Net loans and leases to core deposits | 64.2111% | 4,931 |
| Total domestic deposits to total assets | 84.5972% | 4,041 |
| Equity capital to assets | 11.5882% | 2,359 |
| Core capital (leverage) ratio | 11.1047% | 2,160 |
| Tier 1 risk-based capital ratio | 16.0238% | 3,150 |
| Total risk-based capital ratio | 16.9732% | 3,263 |
| Memoranda: | ||
| Average total assets | $127,824,200 | 4,193 |
| Average earning assets | $119,081,400 | 4,127 |
| Average equity | $15,878,000 | 3,795 |
| Average total loans | $65,528,000 | 4,529 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 5,498 |
| Cost of funding earning assets | 0.7155% | 3,631 |
| Net interest margin | 3.2918% | 5,418 |
| Noninterest income to average assets | 0.3104% | 5,305 |
| Noninterest expense to average assets | 1.9088% | 6,509 |
| Loan and lease loss provision to assets | 0.1059% | 4,242 |
| Net operating income to assets | 0.9660% | 2,677 |
| Return on assets (ROA) | 0.9660% | 2,892 |
| Pretax return on assets | 1.3612% | 2,372 |
| Return on Equity (ROE) | 7.6390% | 3,453 |
| Retained earnings to average equity (ytd only) | 4.3723% | 3,811 |
| Net charge-offs to loans | 0.2880% | 3,001 |
| Credit loss provision to net charge-offs | 71.9424% | 3,856 |
| Earnings coverage of net charge-offs (x) | 9.9640% | 2,249 |
| Efficiency ratio | 56.5422% | 5,989 |
| Assets per employee ($millions) | 6.7027% | 863 |
| Cash dividends to net income (ytd only)* | 42.7634% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 4,435 |
| Loan loss allowance to noncurrent loans | 1,464.4068% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 6,640 |
| Noncurrent loans to loans | 0.0947% | 6,380 |
| Net loans and leases to total assets | 48.2572% | 5,517 |
| Net loans and leases to deposits | 56.0996% | 5,627 |
| Net loans and leases to core deposits | 59.6851% | 5,593 |
| Total domestic deposits to total assets | 86.0205% | 3,245 |
| Equity capital to assets | 12.8095% | 1,703 |
| Core capital (leverage) ratio | 11.8554% | 1,745 |
| Tier 1 risk-based capital ratio | 17.9152% | 2,387 |
| Total risk-based capital ratio | 18.9482% | 2,428 |
| Memoranda: | ||
| Average total assets | $125,870,750 | 4,273 |
| Average earning assets | $117,216,750 | 4,214 |
| Average equity | $15,918,000 | 3,828 |
| Average total loans | $64,356,750 | 4,613 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 5,531 |
| Cost of funding earning assets | 0.7474% | 3,621 |
| Net interest margin | 3.2874% | 5,480 |
| Noninterest income to average assets | 0.3382% | 5,121 |
| Noninterest expense to average assets | 1.9413% | 6,529 |
| Loan and lease loss provision to assets | 0.0798% | 4,607 |
| Net operating income to assets | 0.9731% | 2,576 |
| Return on assets (ROA) | 0.9731% | 2,814 |
| Pretax return on assets | 1.3830% | 2,267 |
| Return on Equity (ROE) | 7.7282% | 3,388 |
| Retained earnings to average equity (ytd only) | 5.2577% | 3,120 |
| Net charge-offs to loans | 0.4244% | 2,340 |
| Credit loss provision to net charge-offs | 36.2319% | 4,335 |
| Earnings coverage of net charge-offs (x) | 6.6449% | 2,602 |
| Efficiency ratio | 57.0291% | 5,996 |
| Assets per employee ($millions) | 6.7665% | 830 |
| Cash dividends to net income (ytd only)* | 31.9672% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 5,103 |
| Loan loss allowance to noncurrent loans | 81,500.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,877 |
| Noncurrent loans to loans | 0.0015% | 6,731 |
| Net loans and leases to total assets | 49.8483% | 5,374 |
| Net loans and leases to deposits | 57.7210% | 5,478 |
| Net loans and leases to core deposits | 61.3696% | 5,451 |
| Total domestic deposits to total assets | 86.3609% | 3,158 |
| Equity capital to assets | 12.5385% | 1,795 |
| Core capital (leverage) ratio | 11.6293% | 1,823 |
| Tier 1 risk-based capital ratio | 17.5426% | 2,461 |
| Total risk-based capital ratio | 18.5037% | 2,525 |
| Memoranda: | ||
| Average total assets | $125,377,330 | 4,305 |
| Average earning assets | $116,931,330 | 4,239 |
| Average equity | $15,786,330 | 3,839 |
| Average total loans | $65,035,670 | 4,607 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 5,416 |
| Cost of funding earning assets | 0.7631% | 3,762 |
| Net interest margin | 3.3472% | 5,314 |
| Noninterest income to average assets | 0.4330% | 4,432 |
| Noninterest expense to average assets | 2.0907% | 6,287 |
| Loan and lease loss provision to assets | 0.1616% | 3,366 |
| Net operating income to assets | 0.9113% | 2,862 |
| Return on assets (ROA) | 0.9113% | 3,086 |
| Pretax return on assets | 1.2990% | 2,541 |
| Return on Equity (ROE) | 7.2217% | 3,648 |
| Retained earnings to average equity (ytd only) | 2.2280% | 5,146 |
| Net charge-offs to loans | 0.4424% | 1,985 |
| Credit loss provision to net charge-offs | 69.4444% | 2,927 |
| Earnings coverage of net charge-offs (x) | 6.2778% | 2,236 |
| Efficiency ratio | 58.8717% | 5,790 |
| Assets per employee ($millions) | 6.6149% | 924 |
| Cash dividends to net income (ytd only)* | 69.1489% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 4,782 |
| Loan loss allowance to noncurrent loans | 277.0440% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 6,251 |
| Noncurrent loans to loans | 0.4893% | 5,695 |
| Net loans and leases to total assets | 51.0121% | 5,153 |
| Net loans and leases to deposits | 59.0765% | 5,271 |
| Net loans and leases to core deposits | 62.8667% | 5,234 |
| Total domestic deposits to total assets | 86.3491% | 3,334 |
| Equity capital to assets | 12.4733% | 1,738 |
| Core capital (leverage) ratio | 11.9163% | 1,637 |
| Tier 1 risk-based capital ratio | 17.7415% | 2,388 |
| Total risk-based capital ratio | 18.8158% | 2,427 |
| Memoranda: | ||
| Average total assets | $123,784,000 | 4,356 |
| Average earning assets | $115,321,500 | 4,301 |
| Average equity | $15,619,500 | 3,871 |
| Average total loans | $65,102,500 | 4,617 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 6,215 |
| Cost of funding earning assets | 0.8622% | 4,377 |
| Net interest margin | 3.2732% | 5,893 |
| Noninterest income to average assets | 0.4060% | 4,571 |
| Noninterest expense to average assets | 2.3654% | 5,864 |
| Loan and lease loss provision to assets | 0.0869% | 5,507 |
| Net operating income to assets | 0.7381% | 3,302 |
| Return on assets (ROA) | 0.7381% | 3,472 |
| Pretax return on assets | 1.0128% | 3,197 |
| Return on Equity (ROE) | 5.6728% | 4,041 |
| Retained earnings to average equity (ytd only) | 3.0669% | 4,045 |
| Net charge-offs to loans | 0.1396% | 5,030 |
| Credit loss provision to net charge-offs | 119.0476% | 2,688 |
| Earnings coverage of net charge-offs (x) | 15.0595% | 1,419 |
| Efficiency ratio | 68.2639% | 4,304 |
| Assets per employee ($millions) | 6.4149% | 1,001 |
| Cash dividends to net income (ytd only)* | 45.9364% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 4,538 |
| Loan loss allowance to noncurrent loans | 274.4681% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 6,291 |
| Noncurrent loans to loans | 0.5045% | 5,697 |
| Net loans and leases to total assets | 52.7608% | 5,194 |
| Net loans and leases to deposits | 61.7701% | 5,278 |
| Net loans and leases to core deposits | 65.5732% | 5,312 |
| Total domestic deposits to total assets | 85.4148% | 3,637 |
| Equity capital to assets | 12.7679% | 1,617 |
| Core capital (leverage) ratio | 11.9202% | 1,646 |
| Tier 1 risk-based capital ratio | 17.5259% | 2,373 |
| Total risk-based capital ratio | 18.6200% | 2,400 |
| Memoranda: | ||
| Average total assets | $115,032,400 | 4,522 |
| Average earning assets | $107,510,800 | 4,462 |
| Average equity | $14,966,200 | 3,915 |
| Average total loans | $60,155,400 | 4,861 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 6,378 |
| Cost of funding earning assets | 0.8832% | 4,519 |
| Net interest margin | 3.2321% | 6,071 |
| Noninterest income to average assets | 0.3742% | 4,875 |
| Noninterest expense to average assets | 2.4096% | 5,743 |
| Loan and lease loss provision to assets | 0.0588% | 5,707 |
| Net operating income to assets | 0.6789% | 3,722 |
| Return on assets (ROA) | 0.6789% | 3,898 |
| Pretax return on assets | 0.9283% | 3,657 |
| Return on Equity (ROE) | 5.1920% | 4,456 |
| Retained earnings to average equity (ytd only) | 1.6827% | 5,297 |
| Net charge-offs to loans | 0.1245% | 4,793 |
| Credit loss provision to net charge-offs | 90.9091% | 3,741 |
| Earnings coverage of net charge-offs (x) | 15.2549% | 1,479 |
| Efficiency ratio | 70.9387% | 3,752 |
| Assets per employee ($millions) | 6.3792% | 1,001 |
| Cash dividends to net income (ytd only)* | 67.5917% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 4,051 |
| Loan loss allowance to noncurrent loans | 156.6607% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 5,928 |
| Noncurrent loans to loans | 0.9635% | 4,957 |
| Net loans and leases to total assets | 47.4828% | 6,012 |
| Net loans and leases to deposits | 55.1630% | 6,108 |
| Net loans and leases to core deposits | 58.5493% | 6,084 |
| Total domestic deposits to total assets | 86.0772% | 3,177 |
| Equity capital to assets | 12.6902% | 1,790 |
| Core capital (leverage) ratio | 12.1475% | 1,626 |
| Tier 1 risk-based capital ratio | 19.1075% | 1,895 |
| Total risk-based capital ratio | 20.2950% | 1,895 |
| Memoranda: | ||
| Average total assets | $113,319,500 | 4,594 |
| Average earning assets | $105,975,250 | 4,526 |
| Average equity | $14,817,250 | 3,956 |
| Average total loans | $58,891,750 | 4,947 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1499% | 6,384 |
| Cost of funding earning assets | 0.9166% | 4,537 |
| Net interest margin | 3.2333% | 6,050 |
| Noninterest income to average assets | 0.4065% | 4,626 |
| Noninterest expense to average assets | 2.5639% | 5,312 |
| Loan and lease loss provision to assets | 0.0903% | 5,186 |
| Net operating income to assets | 0.5692% | 4,214 |
| Return on assets (ROA) | 0.5692% | 4,342 |
| Pretax return on assets | 0.7733% | 4,126 |
| Return on Equity (ROE) | 4.3064% | 4,789 |
| Retained earnings to average equity (ytd only) | 1.6405% | 5,173 |
| Net charge-offs to loans | 0.1795% | 4,091 |
| Credit loss provision to net charge-offs | 94.3396% | 3,328 |
| Earnings coverage of net charge-offs (x) | 9.0189% | 1,977 |
| Efficiency ratio | 74.8023% | 3,221 |
| Assets per employee ($millions) | 5.9766% | 1,202 |
| Cash dividends to net income (ytd only)* | 61.9048% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,964 |
| Loan loss allowance to noncurrent loans | 254.7550% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 6,368 |
| Noncurrent loans to loans | 0.6023% | 5,708 |
| Net loans and leases to total assets | 49.9577% | 5,829 |
| Net loans and leases to deposits | 58.3342% | 5,898 |
| Net loans and leases to core deposits | 62.3612% | 5,871 |
| Total domestic deposits to total assets | 85.6406% | 3,527 |
| Equity capital to assets | 13.2358% | 1,417 |
| Core capital (leverage) ratio | 12.6565% | 1,303 |
| Tier 1 risk-based capital ratio | 19.8589% | 1,639 |
| Total risk-based capital ratio | 21.1017% | 1,609 |
| Memoranda: | ||
| Average total assets | $110,691,330 | 4,686 |
| Average earning assets | $103,425,000 | 4,617 |
| Average equity | $14,629,330 | 3,973 |
| Average total loans | $59,044,670 | 5,000 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1886% | 6,305 |
| Cost of funding earning assets | 0.9295% | 4,720 |
| Net interest margin | 3.2591% | 5,904 |
| Noninterest income to average assets | 0.4833% | 4,018 |
| Noninterest expense to average assets | 2.8410% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5162% | 4,425 |
| Return on assets (ROA) | 0.5162% | 4,507 |
| Pretax return on assets | 0.6846% | 4,363 |
| Return on Equity (ROE) | 3.9088% | 4,953 |
| Retained earnings to average equity (ytd only) | -1.4970% | 6,072 |
| Net charge-offs to loans | 0.3146% | 2,792 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.9787% | 2,589 |
| Efficiency ratio | 80.5815% | 2,426 |
| Assets per employee ($millions) | 5.8946% | 1,273 |
| Cash dividends to net income (ytd only)* | 138.2979% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 4,421 |
| Loan loss allowance to noncurrent loans | 235.9551% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 6,405 |
| Noncurrent loans to loans | 0.6163% | 5,798 |
| Net loans and leases to total assets | 50.8281% | 5,736 |
| Net loans and leases to deposits | 59.1488% | 5,805 |
| Net loans and leases to core deposits | 63.5214% | 5,778 |
| Total domestic deposits to total assets | 85.9327% | 3,557 |
| Equity capital to assets | 12.8361% | 1,458 |
| Core capital (leverage) ratio | 12.7835% | 1,204 |
| Tier 1 risk-based capital ratio | 20.1377% | 1,565 |
| Total risk-based capital ratio | 21.3503% | 1,531 |
| Memoranda: | ||
| Average total assets | $109,259,000 | 4,755 |
| Average earning assets | $101,992,000 | 4,688 |
| Average equity | $14,429,000 | 4,014 |
| Average total loans | $59,760,000 | 5,010 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6253% | 6,037 |
| Cost of funding earning assets | 1.0021% | 5,675 |
| Net interest margin | 3.6231% | 4,711 |
| Noninterest income to average assets | 0.3672% | 5,170 |
| Noninterest expense to average assets | 2.4566% | 5,925 |
| Loan and lease loss provision to assets | 0.1014% | 6,130 |
| Net operating income to assets | 0.7617% | 2,949 |
| Return on assets (ROA) | 0.7617% | 3,074 |
| Pretax return on assets | 1.1461% | 2,414 |
| Return on Equity (ROE) | 5.2058% | 3,986 |
| Retained earnings to average equity (ytd only) | 2.5024% | 4,121 |
| Net charge-offs to loans | 0.0307% | 6,499 |
| Credit loss provision to net charge-offs | 555.5556% | 403 |
| Earnings coverage of net charge-offs (x) | 68.3333% | 354 |
| Efficiency ratio | 66.3198% | 4,913 |
| Assets per employee ($millions) | 5.6064% | 1,492 |
| Cash dividends to net income (ytd only)* | 51.9308% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 4,340 |
| Loan loss allowance to noncurrent loans | 239.7297% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 6,388 |
| Noncurrent loans to loans | 0.5992% | 5,843 |
| Net loans and leases to total assets | 57.1408% | 5,158 |
| Net loans and leases to deposits | 66.7958% | 5,294 |
| Net loans and leases to core deposits | 72.9969% | 5,099 |
| Total domestic deposits to total assets | 85.5456% | 3,579 |
| Equity capital to assets | 13.5954% | 1,155 |
| Core capital (leverage) ratio | 13.7136% | 927 |
| Tier 1 risk-based capital ratio | 19.4179% | 1,614 |
| Total risk-based capital ratio | 20.6477% | 1,590 |
| Memoranda: | ||
| Average total assets | $98,592,600 | 5,028 |
| Average earning assets | $90,805,400 | 4,994 |
| Average equity | $14,426,200 | 4,040 |
| Average total loans | $58,639,400 | 5,126 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6777% | 6,098 |
| Cost of funding earning assets | 1.0281% | 5,811 |
| Net interest margin | 3.6495% | 4,640 |
| Noninterest income to average assets | 0.3850% | 5,075 |
| Noninterest expense to average assets | 2.3241% | 6,251 |
| Loan and lease loss provision to assets | 0.0690% | 6,374 |
| Net operating income to assets | 0.8984% | 2,614 |
| Return on assets (ROA) | 0.8984% | 2,764 |
| Pretax return on assets | 1.3428% | 2,059 |
| Return on Equity (ROE) | 6.0225% | 3,800 |
| Retained earnings to average equity (ytd only) | 2.4145% | 4,730 |
| Net charge-offs to loans | 0.0184% | 6,416 |
| Credit loss provision to net charge-offs | 625.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 127.8322% | 250 |
| Efficiency ratio | 62.2091% | 5,588 |
| Assets per employee ($millions) | 5.3754% | 1,743 |
| Cash dividends to net income (ytd only)* | 59.9081% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 4,329 |
| Loan loss allowance to noncurrent loans | 3,388.0000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 7,297 |
| Noncurrent loans to loans | 0.0421% | 7,140 |
| Net loans and leases to total assets | 57.3262% | 5,361 |
| Net loans and leases to deposits | 67.9941% | 5,422 |
| Net loans and leases to core deposits | 74.7008% | 5,206 |
| Total domestic deposits to total assets | 84.3107% | 3,956 |
| Equity capital to assets | 14.4694% | 1,027 |
| Core capital (leverage) ratio | 14.2724% | 868 |
| Tier 1 risk-based capital ratio | 20.5306% | 1,442 |
| Total risk-based capital ratio | 21.7813% | 1,423 |
| Memoranda: | ||
| Average total assets | $96,610,500 | 5,147 |
| Average earning assets | $88,703,250 | 5,120 |
| Average equity | $14,412,250 | 4,108 |
| Average total loans | $57,860,750 | 5,239 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 6,010 |
| Cost of funding earning assets | 1.0573% | 5,886 |
| Net interest margin | 3.6832% | 4,439 |
| Noninterest income to average assets | 0.4073% | 4,850 |
| Noninterest expense to average assets | 2.4185% | 6,016 |
| Loan and lease loss provision to assets | 0.1055% | 5,862 |
| Net operating income to assets | 0.8420% | 2,764 |
| Return on assets (ROA) | 0.8420% | 2,924 |
| Pretax return on assets | 1.2578% | 2,232 |
| Return on Equity (ROE) | 5.5842% | 4,004 |
| Retained earnings to average equity (ytd only) | 2.8551% | 4,327 |
| Net charge-offs to loans | 0.0244% | 6,000 |
| Credit loss provision to net charge-offs | 714.2857% | 526 |
| Earnings coverage of net charge-offs (x) | 92.2857% | 355 |
| Efficiency ratio | 63.9509% | 5,344 |
| Assets per employee ($millions) | 5.0221% | 2,157 |
| Cash dividends to net income (ytd only)* | 48.8722% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 4,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 60.4307% | 4,981 |
| Net loans and leases to deposits | 72.2965% | 4,946 |
| Net loans and leases to core deposits | 76.8389% | 5,101 |
| Total domestic deposits to total assets | 83.5873% | 4,296 |
| Equity capital to assets | 15.2557% | 829 |
| Core capital (leverage) ratio | 14.4882% | 821 |
| Tier 1 risk-based capital ratio | 20.7875% | 1,375 |
| Total risk-based capital ratio | 22.0380% | 1,350 |
| Memoranda: | ||
| Average total assets | $94,769,670 | 5,225 |
| Average earning assets | $86,826,330 | 5,213 |
| Average equity | $14,290,330 | 4,138 |
| Average total loans | $57,349,000 | 5,295 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 6,290 |
| Cost of funding earning assets | 1.0606% | 6,086 |
| Net interest margin | 3.6264% | 4,591 |
| Noninterest income to average assets | 0.4955% | 4,081 |
| Noninterest expense to average assets | 2.5962% | 5,372 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8174% | 2,890 |
| Return on assets (ROA) | 0.8174% | 2,986 |
| Pretax return on assets | 1.2155% | 2,312 |
| Return on Equity (ROE) | 5.4531% | 4,126 |
| Retained earnings to average equity (ytd only) | -0.0565% | 5,843 |
| Net charge-offs to loans | 0.0352% | 5,087 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 57.4000% | 517 |
| Efficiency ratio | 68.1111% | 4,704 |
| Assets per employee ($millions) | 5.2443% | 1,920 |
| Cash dividends to net income (ytd only)* | 101.0363% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 4,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 59.4229% | 5,213 |
| Net loans and leases to deposits | 70.8231% | 5,225 |
| Net loans and leases to core deposits | 76.2883% | 5,218 |
| Total domestic deposits to total assets | 83.9033% | 4,189 |
| Equity capital to assets | 14.9463% | 894 |
| Core capital (leverage) ratio | 14.6781% | 808 |
| Tier 1 risk-based capital ratio | 21.6838% | 1,240 |
| Total risk-based capital ratio | 22.9334% | 1,227 |
| Memoranda: | ||
| Average total assets | $94,444,500 | 5,299 |
| Average earning assets | $86,366,500 | 5,294 |
| Average equity | $14,157,000 | 4,211 |
| Average total loans | $56,768,000 | 5,390 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9773% | 6,502 |
| Cost of funding earning assets | 1.3601% | 6,094 |
| Net interest margin | 3.6172% | 4,489 |
| Noninterest income to average assets | 0.4047% | 5,168 |
| Noninterest expense to average assets | 2.4084% | 6,443 |
| Loan and lease loss provision to assets | 0.1106% | 6,541 |
| Net operating income to assets | 0.8072% | 2,511 |
| Return on assets (ROA) | 0.8072% | 2,591 |
| Pretax return on assets | 1.1942% | 1,971 |
| Return on Equity (ROE) | 5.1984% | 3,582 |
| Retained earnings to average equity (ytd only) | 2.4212% | 3,440 |
| Net charge-offs to loans | 0.0172% | 6,979 |
| Credit loss provision to net charge-offs | 1,000.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 242 |
| Efficiency ratio | 64.8600% | 5,606 |
| Assets per employee ($millions) | 5.2495% | 1,892 |
| Cash dividends to net income (ytd only)* | 53.4247% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 4,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 59.0924% | 5,478 |
| Net loans and leases to deposits | 70.4523% | 5,543 |
| Net loans and leases to core deposits | 81.4532% | 5,961 |
| Total domestic deposits to total assets | 83.8757% | 4,086 |
| Equity capital to assets | 15.0332% | 904 |
| Core capital (leverage) ratio | 14.7617% | 831 |
| Tier 1 risk-based capital ratio | 21.2288% | 1,258 |
| Total risk-based capital ratio | 22.4783% | 1,229 |
| Memoranda: | ||
| Average total assets | $90,434,200 | 5,378 |
| Average earning assets | $82,715,400 | 5,372 |
| Average equity | $14,042,800 | 4,240 |
| Average total loans | $58,150,600 | 5,333 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0370% | 6,487 |
| Cost of funding earning assets | 1.4105% | 6,184 |
| Net interest margin | 3.6264% | 4,391 |
| Noninterest income to average assets | 0.3757% | 5,503 |
| Noninterest expense to average assets | 2.3618% | 6,523 |
| Loan and lease loss provision to assets | 0.0746% | 6,611 |
| Net operating income to assets | 0.8544% | 2,597 |
| Return on assets (ROA) | 0.8544% | 2,661 |
| Pretax return on assets | 1.2629% | 2,074 |
| Return on Equity (ROE) | 5.4561% | 3,757 |
| Retained earnings to average equity (ytd only) | 1.7425% | 4,338 |
| Net charge-offs to loans | 0.0159% | 6,694 |
| Credit loss provision to net charge-offs | 714.2857% | 524 |
| Earnings coverage of net charge-offs (x) | 128.1854% | 294 |
| Efficiency ratio | 63.8452% | 5,785 |
| Assets per employee ($millions) | 5.1314% | 1,987 |
| Cash dividends to net income (ytd only)* | 68.0633% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 4,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 62.6161% | 5,134 |
| Net loans and leases to deposits | 74.9453% | 5,216 |
| Net loans and leases to core deposits | 87.3036% | 5,719 |
| Total domestic deposits to total assets | 83.5491% | 3,930 |
| Equity capital to assets | 15.2405% | 940 |
| Core capital (leverage) ratio | 14.7037% | 913 |
| Tier 1 risk-based capital ratio | 20.9558% | 1,371 |
| Total risk-based capital ratio | 22.1339% | 1,358 |
| Memoranda: | ||
| Average total assets | $89,420,000 | 5,440 |
| Average earning assets | $81,952,250 | 5,422 |
| Average equity | $14,002,250 | 4,298 |
| Average total loans | $58,527,750 | 5,358 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0744% | 6,532 |
| Cost of funding earning assets | 1.4781% | 6,230 |
| Net interest margin | 3.5964% | 4,376 |
| Noninterest income to average assets | 0.3912% | 5,367 |
| Noninterest expense to average assets | 2.3429% | 6,637 |
| Loan and lease loss provision to assets | 0.1131% | 6,017 |
| Net operating income to assets | 0.8322% | 2,732 |
| Return on assets (ROA) | 0.8322% | 2,821 |
| Pretax return on assets | 1.2257% | 2,228 |
| Return on Equity (ROE) | 5.2657% | 3,967 |
| Retained earnings to average equity (ytd only) | 2.4754% | 3,960 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6364% | 5,973 |
| Assets per employee ($millions) | 5.0534% | 2,024 |
| Cash dividends to net income (ytd only)* | 52.9891% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 4,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 64.6424% | 4,850 |
| Net loans and leases to deposits | 77.5061% | 4,941 |
| Net loans and leases to core deposits | 91.6716% | 5,381 |
| Total domestic deposits to total assets | 83.4030% | 4,064 |
| Equity capital to assets | 15.4152% | 944 |
| Core capital (leverage) ratio | 14.7481% | 968 |
| Tier 1 risk-based capital ratio | 20.5532% | 1,472 |
| Total risk-based capital ratio | 21.7201% | 1,454 |
| Memoranda: | ||
| Average total assets | $88,438,000 | 5,516 |
| Average earning assets | $80,915,330 | 5,499 |
| Average equity | $13,977,330 | 4,308 |
| Average total loans | $58,505,670 | 5,403 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0747% | 6,726 |
| Cost of funding earning assets | 1.4873% | 6,446 |
| Net interest margin | 3.5875% | 4,373 |
| Noninterest income to average assets | 0.4772% | 4,532 |
| Noninterest expense to average assets | 2.3952% | 6,206 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9223% | 2,607 |
| Return on assets (ROA) | 0.9223% | 2,746 |
| Pretax return on assets | 1.3582% | 2,094 |
| Return on Equity (ROE) | 5.7614% | 4,140 |
| Retained earnings to average equity (ytd only) | 0.1720% | 5,587 |
| Net charge-offs to loans | -0.0069% | 7,223 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8142% | 5,725 |
| Assets per employee ($millions) | 4.9051% | 2,168 |
| Cash dividends to net income (ytd only)* | 97.0149% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 4,654 |
| Loan loss allowance to noncurrent loans | 456.0510% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 7,002 |
| Noncurrent loans to loans | 0.2678% | 6,768 |
| Net loans and leases to total assets | 65.5843% | 4,676 |
| Net loans and leases to deposits | 79.1506% | 4,749 |
| Net loans and leases to core deposits | 89.9998% | 5,554 |
| Total domestic deposits to total assets | 82.8601% | 4,213 |
| Equity capital to assets | 15.7377% | 923 |
| Core capital (leverage) ratio | 15.5060% | 863 |
| Tier 1 risk-based capital ratio | 19.8968% | 1,641 |
| Total risk-based capital ratio | 20.9675% | 1,625 |
| Memoranda: | ||
| Average total assets | $87,176,000 | 5,577 |
| Average earning assets | $79,610,000 | 5,558 |
| Average equity | $13,955,000 | 4,343 |
| Average total loans | $57,976,000 | 5,455 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 6,353 |
| Cost of funding earning assets | 2.0436% | 6,268 |
| Net interest margin | 3.7831% | 4,091 |
| Noninterest income to average assets | 0.5349% | 4,363 |
| Noninterest expense to average assets | 2.5447% | 5,841 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9364% | 2,848 |
| Return on assets (ROA) | 0.9364% | 2,705 |
| Pretax return on assets | 1.3981% | 1,977 |
| Return on Equity (ROE) | 5.9550% | 3,960 |
| Retained earnings to average equity (ytd only) | 3.0263% | 3,287 |
| Net charge-offs to loans | 0.0131% | 6,728 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 169.1429% | 273 |
| Efficiency ratio | 64.5403% | 5,441 |
| Assets per employee ($millions) | 5.0624% | 1,889 |
| Cash dividends to net income (ytd only)* | 49.1803% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 4,175 |
| Loan loss allowance to noncurrent loans | 449.6855% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 6,818 |
| Noncurrent loans to loans | 0.2773% | 6,537 |
| Net loans and leases to total assets | 65.7859% | 4,895 |
| Net loans and leases to deposits | 79.8466% | 5,070 |
| Net loans and leases to core deposits | 89.7541% | 5,822 |
| Total domestic deposits to total assets | 82.3904% | 4,047 |
| Equity capital to assets | 16.2850% | 887 |
| Core capital (leverage) ratio | 15.4164% | 941 |
| Tier 1 risk-based capital ratio | 21.4412% | 1,403 |
| Total risk-based capital ratio | 22.5940% | 1,377 |
| Memoranda: | ||
| Average total assets | $84,686,200 | 5,529 |
| Average earning assets | $76,287,600 | 5,576 |
| Average equity | $13,316,600 | 4,495 |
| Average total loans | $53,326,800 | 5,561 |