Home > The Bippus State Bank > Performance and Condition Ratios
The Bippus State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6739% | 959 |
| Cost of funding earning assets | 1.5498% | 1,810 |
| Net interest margin | 4.1240% | 1,046 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 2.5800% | 2,072 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.9862% | 479 |
| Return on assets (ROA) | 2.0012% | 448 |
| Pretax return on assets | 2.0012% | 673 |
| Return on Equity (ROE) | 19.2900% | 682 |
| Retained earnings to average equity (ytd only) | 10.1758% | 970 |
| Net charge-offs to loans | 0.1011% | 902 |
| Credit loss provision to net charge-offs | 305.2239% | 945 |
| Earnings coverage of net charge-offs (x) | 27.7201% | 1,677 |
| Efficiency ratio | 53.6643% | 3,701 |
| Assets per employee ($millions) | 6.1140% | 2,720 |
| Cash dividends to net income (ytd only)* | 47.2580% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 2,732 |
| Loan loss allowance to noncurrent loans | 100.9340% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 561 |
| Noncurrent loans to loans | 1.1094% | 656 |
| Net loans and leases to total assets | 79.4100% | 715 |
| Net loans and leases to deposits | 93.4135% | 984 |
| Net loans and leases to core deposits | 100.6788% | 1,388 |
| Total domestic deposits to total assets | 85.0100% | 2,310 |
| Equity capital to assets | 10.6214% | 1,664 |
| Core capital (leverage) ratio | 12.2436% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5204% | 1,178 |
| Memoranda: | ||
| Average total assets | $333,494,200 | 2,255 |
| Average earning assets | $307,320,800 | 2,262 |
| Average equity | $34,591,800 | 2,068 |
| Average total loans | $265,114,600 | 1,935 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5680% | 943 |
| Cost of funding earning assets | 1.4571% | 1,717 |
| Net interest margin | 4.1109% | 1,045 |
| Noninterest income to average assets | 1.1100% | 548 |
| Noninterest expense to average assets | 2.6282% | 1,859 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 2.1321% | 416 |
| Return on assets (ROA) | 2.1394% | 400 |
| Pretax return on assets | 2.1394% | 607 |
| Return on Equity (ROE) | 20.7600% | 655 |
| Retained earnings to average equity (ytd only) | 12.0949% | 956 |
| Net charge-offs to loans | 0.0071% | 2,176 |
| Credit loss provision to net charge-offs | 2,821.4286% | 166 |
| Earnings coverage of net charge-offs (x) | 401.7143% | 362 |
| Efficiency ratio | 53.6127% | 3,615 |
| Assets per employee ($millions) | 6.4005% | 2,402 |
| Cash dividends to net income (ytd only)* | 41.7312% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 2,929 |
| Loan loss allowance to noncurrent loans | 124.8421% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7001% | 809 |
| Noncurrent loans to loans | 0.8700% | 954 |
| Net loans and leases to total assets | 79.6000% | 693 |
| Net loans and leases to deposits | 94.8969% | 828 |
| Net loans and leases to core deposits | 102.7662% | 1,175 |
| Total domestic deposits to total assets | 83.8800% | 2,807 |
| Equity capital to assets | 10.0864% | 1,778 |
| Core capital (leverage) ratio | 12.3621% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2953% | 1,476 |
| Memoranda: | ||
| Average total assets | $329,743,750 | 2,270 |
| Average earning assets | $303,967,000 | 2,277 |
| Average equity | $33,986,000 | 2,084 |
| Average total loans | $261,420,500 | 1,960 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4250% | 926 |
| Cost of funding earning assets | 1.3152% | 1,668 |
| Net interest margin | 4.1098% | 1,073 |
| Noninterest income to average assets | 1.0300% | 539 |
| Noninterest expense to average assets | 2.6064% | 1,916 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.1275% | 388 |
| Return on assets (ROA) | 2.1385% | 376 |
| Pretax return on assets | 2.1385% | 586 |
| Return on Equity (ROE) | 20.6000% | 649 |
| Retained earnings to average equity (ytd only) | 11.0648% | 1,176 |
| Net charge-offs to loans | 0.0078% | 1,933 |
| Credit loss provision to net charge-offs | 1,510.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 360.8000% | 395 |
| Efficiency ratio | 54.1200% | 3,596 |
| Assets per employee ($millions) | 5.9925% | 2,715 |
| Cash dividends to net income (ytd only)* | 46.2772% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,356 |
| Loan loss allowance to noncurrent loans | 135.4374% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 898 |
| Noncurrent loans to loans | 0.7503% | 1,008 |
| Net loans and leases to total assets | 79.1000% | 726 |
| Net loans and leases to deposits | 99.2845% | 555 |
| Net loans and leases to core deposits | 104.0142% | 1,053 |
| Total domestic deposits to total assets | 79.6700% | 3,618 |
| Equity capital to assets | 10.3594% | 1,652 |
| Core capital (leverage) ratio | 12.2875% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3905% | 1,241 |
| Memoranda: | ||
| Average total assets | $326,582,333 | 2,292 |
| Average earning assets | $301,085,000 | 2,304 |
| Average equity | $33,909,333 | 2,099 |
| Average total loans | $257,567,333 | 1,969 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2509% | 889 |
| Cost of funding earning assets | 1.0707% | 1,835 |
| Net interest margin | 4.1802% | 980 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 2.5732% | 2,034 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 2.1920% | 374 |
| Return on assets (ROA) | 2.2069% | 360 |
| Pretax return on assets | 2.2069% | 563 |
| Return on Equity (ROE) | 21.2300% | 643 |
| Retained earnings to average equity (ytd only) | 7.8251% | 2,268 |
| Net charge-offs to loans | -0.0063% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.7205% | 3,633 |
| Assets per employee ($millions) | 6.1089% | 2,673 |
| Cash dividends to net income (ytd only)* | 63.1401% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 3,431 |
| Loan loss allowance to noncurrent loans | 202.8794% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 1,303 |
| Noncurrent loans to loans | 0.5032% | 1,459 |
| Net loans and leases to total assets | 78.0700% | 760 |
| Net loans and leases to deposits | 94.8071% | 733 |
| Net loans and leases to core deposits | 100.7996% | 1,057 |
| Total domestic deposits to total assets | 82.3500% | 3,430 |
| Equity capital to assets | 10.4528% | 1,587 |
| Core capital (leverage) ratio | 12.3749% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5955% | 1,240 |
| Memoranda: | ||
| Average total assets | $322,083,500 | 2,351 |
| Average earning assets | $296,255,500 | 2,365 |
| Average equity | $33,482,000 | 2,143 |
| Average total loans | $252,269,500 | 2,013 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 678 |
| Cost of funding earning assets | 0.2993% | 2,883 |
| Net interest margin | 4.2386% | 489 |
| Noninterest income to average assets | 1.5700% | 329 |
| Noninterest expense to average assets | 2.5892% | 1,856 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 2.8031% | 120 |
| Return on assets (ROA) | 2.7768% | 119 |
| Pretax return on assets | 2.7768% | 153 |
| Return on Equity (ROE) | 26.3700% | 169 |
| Retained earnings to average equity (ytd only) | 15.4101% | 260 |
| Net charge-offs to loans | -0.1220% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.0028% | 4,299 |
| Assets per employee ($millions) | 6.1615% | 2,631 |
| Cash dividends to net income (ytd only)* | 41.5597% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 3,280 |
| Loan loss allowance to noncurrent loans | 219.1342% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 1,419 |
| Noncurrent loans to loans | 0.4636% | 1,547 |
| Net loans and leases to total assets | 76.9800% | 897 |
| Net loans and leases to deposits | 96.2699% | 622 |
| Net loans and leases to core deposits | 100.6879% | 965 |
| Total domestic deposits to total assets | 79.9600% | 3,883 |
| Equity capital to assets | 10.3375% | 1,542 |
| Core capital (leverage) ratio | 12.4194% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4331% | 1,255 |
| Memoranda: | ||
| Average total assets | $297,387,800 | 2,460 |
| Average earning assets | $276,647,200 | 2,460 |
| Average equity | $31,317,200 | 2,282 |
| Average total loans | $222,924,800 | 2,091 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 682 |
| Cost of funding earning assets | 0.1713% | 3,612 |
| Net interest margin | 4.1600% | 457 |
| Noninterest income to average assets | 1.6500% | 327 |
| Noninterest expense to average assets | 2.6366% | 1,629 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 2.7582% | 123 |
| Return on assets (ROA) | 2.7531% | 119 |
| Pretax return on assets | 2.7531% | 166 |
| Return on Equity (ROE) | 26.0100% | 165 |
| Retained earnings to average equity (ytd only) | 15.1877% | 346 |
| Net charge-offs to loans | -0.1676% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.6572% | 4,293 |
| Assets per employee ($millions) | 6.0847% | 2,682 |
| Cash dividends to net income (ytd only)* | 41.6141% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 3,506 |
| Loan loss allowance to noncurrent loans | 329.5756% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 2,035 |
| Noncurrent loans to loans | 0.3020% | 2,161 |
| Net loans and leases to total assets | 78.1100% | 696 |
| Net loans and leases to deposits | 95.8536% | 560 |
| Net loans and leases to core deposits | 100.0875% | 806 |
| Total domestic deposits to total assets | 81.4900% | 3,905 |
| Equity capital to assets | 9.6810% | 1,781 |
| Core capital (leverage) ratio | 12.4717% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0142% | 1,422 |
| Memoranda: | ||
| Average total assets | $291,635,500 | 2,510 |
| Average earning assets | $272,490,750 | 2,498 |
| Average equity | $30,866,250 | 2,330 |
| Average total loans | $216,365,000 | 2,129 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1002% | 767 |
| Cost of funding earning assets | 0.1100% | 4,082 |
| Net interest margin | 3.9902% | 506 |
| Noninterest income to average assets | 1.7517% | 271 |
| Noninterest expense to average assets | 2.6219% | 1,572 |
| Loan and lease loss provision to assets | 0.1390% | 692 |
| Net operating income to assets | 2.7285% | 88 |
| Return on assets (ROA) | 2.7200% | 82 |
| Pretax return on assets | 2.7200% | 132 |
| Return on Equity (ROE) | 24.9090% | 114 |
| Retained earnings to average equity (ytd only) | 12.7130% | 501 |
| Net charge-offs to loans | -0.2514% | 4,623 |
| Credit loss provision to net charge-offs | -76.3566% | 3,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7629% | 4,358 |
| Assets per employee ($millions) | 5.6882% | 3,036 |
| Cash dividends to net income (ytd only)* | 48.9621% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,372 |
| Loan loss allowance to noncurrent loans | 493.1250% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 2,572 |
| Noncurrent loans to loans | 0.2130% | 2,653 |
| Net loans and leases to total assets | 75.3694% | 789 |
| Net loans and leases to deposits | 87.4672% | 878 |
| Net loans and leases to core deposits | 90.6678% | 1,082 |
| Total domestic deposits to total assets | 86.1688% | 3,207 |
| Equity capital to assets | 10.1749% | 1,608 |
| Core capital (leverage) ratio | 12.7455% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6920% | 1,256 |
| Memoranda: | ||
| Average total assets | $283,379,667 | 2,572 |
| Average earning assets | $265,452,667 | 2,570 |
| Average equity | $30,944,667 | 2,376 |
| Average total loans | $205,275,333 | 2,196 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9160% | 902 |
| Cost of funding earning assets | 0.0997% | 4,137 |
| Net interest margin | 3.8163% | 619 |
| Noninterest income to average assets | 1.9482% | 250 |
| Noninterest expense to average assets | 2.8141% | 1,134 |
| Loan and lease loss provision to assets | 0.0029% | 2,248 |
| Net operating income to assets | 2.7232% | 99 |
| Return on assets (ROA) | 2.7116% | 96 |
| Pretax return on assets | 2.7116% | 133 |
| Return on Equity (ROE) | 23.9600% | 106 |
| Retained earnings to average equity (ytd only) | 6.4395% | 2,092 |
| Net charge-offs to loans | -0.5203% | 4,714 |
| Credit loss provision to net charge-offs | -0.7874% | 2,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7945% | 4,274 |
| Assets per employee ($millions) | 5.4426% | 3,355 |
| Cash dividends to net income (ytd only)* | 73.1240% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 3,379 |
| Loan loss allowance to noncurrent loans | 423.4375% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 2,534 |
| Noncurrent loans to loans | 0.2569% | 2,557 |
| Net loans and leases to total assets | 69.6424% | 1,050 |
| Net loans and leases to deposits | 81.7235% | 1,029 |
| Net loans and leases to core deposits | 82.4051% | 1,329 |
| Total domestic deposits to total assets | 85.2171% | 3,490 |
| Equity capital to assets | 11.7580% | 1,037 |
| Core capital (leverage) ratio | 13.0716% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0070% | 1,040 |
| Memoranda: | ||
| Average total assets | $277,176,000 | 2,615 |
| Average earning assets | $260,881,000 | 2,606 |
| Average equity | $31,369,000 | 2,417 |
| Average total loans | $195,263,000 | 2,260 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4535% | 645 |
| Cost of funding earning assets | 0.1495% | 3,984 |
| Net interest margin | 4.3040% | 402 |
| Noninterest income to average assets | 2.5053% | 234 |
| Noninterest expense to average assets | 2.9265% | 1,103 |
| Loan and lease loss provision to assets | 0.3209% | 240 |
| Net operating income to assets | 3.3068% | 84 |
| Return on assets (ROA) | 3.3194% | 87 |
| Pretax return on assets | 3.3194% | 109 |
| Return on Equity (ROE) | 30.2633% | 66 |
| Retained earnings to average equity (ytd only) | 16.5689% | 144 |
| Net charge-offs to loans | 0.1975% | 491 |
| Credit loss provision to net charge-offs | 218.7328% | 1,260 |
| Earnings coverage of net charge-offs (x) | 24.7245% | 1,738 |
| Efficiency ratio | 44.6500% | 4,548 |
| Assets per employee ($millions) | 4.8453% | 3,851 |
| Cash dividends to net income (ytd only)* | 45.2509% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,756 |
| Loan loss allowance to noncurrent loans | 278.3115% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 2,302 |
| Noncurrent loans to loans | 0.3592% | 2,299 |
| Net loans and leases to total assets | 69.7832% | 1,068 |
| Net loans and leases to deposits | 81.0835% | 1,127 |
| Net loans and leases to core deposits | 81.8947% | 1,467 |
| Total domestic deposits to total assets | 86.0634% | 2,875 |
| Equity capital to assets | 10.8578% | 1,895 |
| Core capital (leverage) ratio | 11.1229% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9716% | 1,851 |
| Memoranda: | ||
| Average total assets | $247,396,000 | 2,743 |
| Average earning assets | $232,736,400 | 2,727 |
| Average equity | $27,135,200 | 2,715 |
| Average total loans | $183,793,800 | 2,355 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4363% | 765 |
| Cost of funding earning assets | 0.1626% | 3,995 |
| Net interest margin | 4.2737% | 479 |
| Noninterest income to average assets | 2.6234% | 231 |
| Noninterest expense to average assets | 2.9785% | 1,009 |
| Loan and lease loss provision to assets | 0.3542% | 200 |
| Net operating income to assets | 3.3116% | 94 |
| Return on assets (ROA) | 3.3204% | 97 |
| Pretax return on assets | 3.3204% | 133 |
| Return on Equity (ROE) | 30.1871% | 96 |
| Retained earnings to average equity (ytd only) | 16.0827% | 295 |
| Net charge-offs to loans | 0.2668% | 309 |
| Credit loss provision to net charge-offs | 176.0989% | 1,269 |
| Earnings coverage of net charge-offs (x) | 18.2335% | 1,792 |
| Efficiency ratio | 44.8296% | 4,548 |
| Assets per employee ($millions) | 4.8172% | 3,875 |
| Cash dividends to net income (ytd only)* | 46.7232% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 4,085 |
| Loan loss allowance to noncurrent loans | 213.8686% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 2,165 |
| Noncurrent loans to loans | 0.4325% | 2,259 |
| Net loans and leases to total assets | 73.7464% | 714 |
| Net loans and leases to deposits | 86.2980% | 812 |
| Net loans and leases to core deposits | 87.2203% | 1,203 |
| Total domestic deposits to total assets | 85.4556% | 2,963 |
| Equity capital to assets | 11.1118% | 1,940 |
| Core capital (leverage) ratio | 11.1213% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9718% | 1,981 |
| Memoranda: | ||
| Average total assets | $241,411,000 | 2,805 |
| Average earning assets | $227,120,750 | 2,785 |
| Average equity | $26,553,750 | 2,787 |
| Average total loans | $181,927,500 | 2,409 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 1,295 |
| Cost of funding earning assets | 0.1799% | 3,948 |
| Net interest margin | 3.9476% | 897 |
| Noninterest income to average assets | 2.7182% | 218 |
| Noninterest expense to average assets | 3.0341% | 930 |
| Loan and lease loss provision to assets | 0.3784% | 187 |
| Net operating income to assets | 3.0307% | 125 |
| Return on assets (ROA) | 3.0307% | 131 |
| Pretax return on assets | 3.0307% | 185 |
| Return on Equity (ROE) | 27.6550% | 134 |
| Retained earnings to average equity (ytd only) | 10.8215% | 1,168 |
| Net charge-offs to loans | -0.0067% | 3,523 |
| Credit loss provision to net charge-offs | -7,466.6667% | 4,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0897% | 4,457 |
| Assets per employee ($millions) | 4.8191% | 3,819 |
| Cash dividends to net income (ytd only)* | 60.8696% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 3,714 |
| Loan loss allowance to noncurrent loans | 159.1283% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 1,685 |
| Noncurrent loans to loans | 0.6477% | 1,796 |
| Net loans and leases to total assets | 75.6020% | 626 |
| Net loans and leases to deposits | 87.5158% | 811 |
| Net loans and leases to core deposits | 88.5927% | 1,231 |
| Total domestic deposits to total assets | 86.3867% | 2,597 |
| Equity capital to assets | 10.8107% | 2,139 |
| Core capital (leverage) ratio | 10.5573% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7095% | 1,718 |
| Memoranda: | ||
| Average total assets | $236,776,667 | 2,829 |
| Average earning assets | $223,424,667 | 2,808 |
| Average equity | $25,948,333 | 2,812 |
| Average total loans | $179,222,333 | 2,441 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 1,291 |
| Cost of funding earning assets | 0.2137% | 3,794 |
| Net interest margin | 3.9337% | 933 |
| Noninterest income to average assets | 3.4631% | 171 |
| Noninterest expense to average assets | 3.0980% | 841 |
| Loan and lease loss provision to assets | 0.5442% | 113 |
| Net operating income to assets | 3.5303% | 109 |
| Return on assets (ROA) | 3.5303% | 116 |
| Pretax return on assets | 3.5303% | 144 |
| Return on Equity (ROE) | 31.9844% | 111 |
| Retained earnings to average equity (ytd only) | 11.2023% | 1,349 |
| Net charge-offs to loans | -0.0023% | 3,164 |
| Credit loss provision to net charge-offs | -31,600.0000% | 3,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1933% | 4,619 |
| Assets per employee ($millions) | 4.8885% | 3,767 |
| Cash dividends to net income (ytd only)* | 64.9756% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 3,772 |
| Loan loss allowance to noncurrent loans | 187.0968% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 2,229 |
| Noncurrent loans to loans | 0.5444% | 2,225 |
| Net loans and leases to total assets | 71.4797% | 1,096 |
| Net loans and leases to deposits | 82.5705% | 1,292 |
| Net loans and leases to core deposits | 83.5813% | 1,711 |
| Total domestic deposits to total assets | 86.5681% | 2,496 |
| Equity capital to assets | 10.5631% | 2,205 |
| Core capital (leverage) ratio | 10.9684% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2325% | 1,500 |
| Memoranda: | ||
| Average total assets | $232,278,000 | 2,846 |
| Average earning assets | $219,028,000 | 2,829 |
| Average equity | $25,637,500 | 2,826 |
| Average total loans | $174,961,000 | 2,474 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 1,122 |
| Cost of funding earning assets | 0.3205% | 4,023 |
| Net interest margin | 4.2650% | 547 |
| Noninterest income to average assets | 2.3784% | 260 |
| Noninterest expense to average assets | 3.2231% | 1,014 |
| Loan and lease loss provision to assets | 0.4408% | 642 |
| Net operating income to assets | 2.6944% | 117 |
| Return on assets (ROA) | 2.7202% | 116 |
| Pretax return on assets | 2.7202% | 146 |
| Return on Equity (ROE) | 24.2047% | 121 |
| Retained earnings to average equity (ytd only) | 13.6856% | 203 |
| Net charge-offs to loans | 0.5046% | 316 |
| Credit loss provision to net charge-offs | 110.1942% | 2,722 |
| Earnings coverage of net charge-offs (x) | 7.8374% | 2,659 |
| Efficiency ratio | 50.6910% | 4,488 |
| Assets per employee ($millions) | 4.1534% | 4,252 |
| Cash dividends to net income (ytd only)* | 43.4589% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 4,314 |
| Loan loss allowance to noncurrent loans | 175.4739% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 2,452 |
| Noncurrent loans to loans | 0.4867% | 2,506 |
| Net loans and leases to total assets | 78.1029% | 596 |
| Net loans and leases to deposits | 91.4934% | 817 |
| Net loans and leases to core deposits | 92.8432% | 1,317 |
| Total domestic deposits to total assets | 85.3646% | 2,627 |
| Equity capital to assets | 11.5641% | 1,837 |
| Core capital (leverage) ratio | 11.1548% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8356% | 1,586 |
| Memoranda: | ||
| Average total assets | $205,980,400 | 2,894 |
| Average earning assets | $192,217,200 | 2,893 |
| Average equity | $23,148,400 | 2,929 |
| Average total loans | $163,312,200 | 2,542 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 1,360 |
| Cost of funding earning assets | 0.3501% | 4,053 |
| Net interest margin | 4.2322% | 685 |
| Noninterest income to average assets | 2.1642% | 297 |
| Noninterest expense to average assets | 3.1791% | 1,104 |
| Loan and lease loss provision to assets | 0.4866% | 620 |
| Net operating income to assets | 2.4388% | 155 |
| Return on assets (ROA) | 2.4388% | 164 |
| Pretax return on assets | 2.4388% | 234 |
| Return on Equity (ROE) | 21.8736% | 179 |
| Retained earnings to average equity (ytd only) | 11.5895% | 488 |
| Net charge-offs to loans | 0.5888% | 244 |
| Credit loss provision to net charge-offs | 104.0845% | 2,594 |
| Earnings coverage of net charge-offs (x) | 6.2563% | 2,662 |
| Efficiency ratio | 52.0768% | 4,338 |
| Assets per employee ($millions) | 4.3869% | 3,962 |
| Cash dividends to net income (ytd only)* | 47.0159% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 4,346 |
| Loan loss allowance to noncurrent loans | 107.7039% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 1,889 |
| Noncurrent loans to loans | 0.7498% | 1,927 |
| Net loans and leases to total assets | 81.4875% | 484 |
| Net loans and leases to deposits | 96.2297% | 743 |
| Net loans and leases to core deposits | 98.6550% | 1,267 |
| Total domestic deposits to total assets | 84.6803% | 2,562 |
| Equity capital to assets | 11.2929% | 2,154 |
| Core capital (leverage) ratio | 11.0654% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7867% | 1,897 |
| Memoranda: | ||
| Average total assets | $202,443,000 | 2,900 |
| Average earning assets | $188,487,000 | 2,905 |
| Average equity | $22,571,500 | 2,972 |
| Average total loans | $160,788,000 | 2,564 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6413% | 1,560 |
| Cost of funding earning assets | 0.3866% | 4,099 |
| Net interest margin | 4.2547% | 819 |
| Noninterest income to average assets | 1.7834% | 347 |
| Noninterest expense to average assets | 3.0947% | 1,367 |
| Loan and lease loss provision to assets | 0.4842% | 760 |
| Net operating income to assets | 2.1677% | 233 |
| Return on assets (ROA) | 2.1677% | 255 |
| Pretax return on assets | 2.1677% | 378 |
| Return on Equity (ROE) | 19.5331% | 266 |
| Retained earnings to average equity (ytd only) | 10.3165% | 732 |
| Net charge-offs to loans | 0.2726% | 582 |
| Credit loss provision to net charge-offs | 225.9434% | 1,817 |
| Earnings coverage of net charge-offs (x) | 12.4009% | 2,057 |
| Efficiency ratio | 53.8529% | 4,196 |
| Assets per employee ($millions) | 4.5799% | 3,678 |
| Cash dividends to net income (ytd only)* | 47.1847% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,673 |
| Loan loss allowance to noncurrent loans | 102.3370% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 1,638 |
| Noncurrent loans to loans | 0.9563% | 1,617 |
| Net loans and leases to total assets | 78.2147% | 823 |
| Net loans and leases to deposits | 93.7584% | 981 |
| Net loans and leases to core deposits | 96.1541% | 1,568 |
| Total domestic deposits to total assets | 83.4215% | 2,954 |
| Equity capital to assets | 10.8420% | 2,468 |
| Core capital (leverage) ratio | 10.9380% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0101% | 1,815 |
| Memoranda: | ||
| Average total assets | $198,271,333 | 2,917 |
| Average earning assets | $184,688,333 | 2,916 |
| Average equity | $22,003,667 | 2,992 |
| Average total loans | $155,520,667 | 2,607 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 1,283 |
| Cost of funding earning assets | 0.4555% | 4,133 |
| Net interest margin | 4.4058% | 618 |
| Noninterest income to average assets | 0.7967% | 1,325 |
| Noninterest expense to average assets | 3.1278% | 1,571 |
| Loan and lease loss provision to assets | 0.4827% | 614 |
| Net operating income to assets | 1.2836% | 1,286 |
| Return on assets (ROA) | 1.2836% | 1,380 |
| Pretax return on assets | 1.2836% | 1,919 |
| Return on Equity (ROE) | 11.4171% | 1,285 |
| Retained earnings to average equity (ytd only) | -1.3123% | 4,177 |
| Net charge-offs to loans | -0.0486% | 4,629 |
| Credit loss provision to net charge-offs | -1,266.6667% | 3,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9104% | 3,247 |
| Assets per employee ($millions) | 4.2157% | 3,635 |
| Cash dividends to net income (ytd only)* | 111.4943% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,298 |
| Loan loss allowance to noncurrent loans | 257.5235% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,099 |
| Noncurrent loans to loans | 0.4203% | 2,987 |
| Net loans and leases to total assets | 79.1510% | 798 |
| Net loans and leases to deposits | 92.3383% | 1,243 |
| Net loans and leases to core deposits | 95.8544% | 1,804 |
| Total domestic deposits to total assets | 85.7185% | 2,121 |
| Equity capital to assets | 11.1261% | 2,753 |
| Core capital (leverage) ratio | 11.2950% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0514% | 1,887 |
| Memoranda: | ||
| Average total assets | $189,779,500 | 2,956 |
| Average earning assets | $176,495,500 | 2,954 |
| Average equity | $21,336,500 | 3,045 |
| Average total loans | $148,268,500 | 2,655 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 1,809 |
| Cost of funding earning assets | 0.5207% | 4,000 |
| Net interest margin | 4.3604% | 963 |
| Noninterest income to average assets | 1.1269% | 741 |
| Noninterest expense to average assets | 3.0300% | 1,937 |
| Loan and lease loss provision to assets | 0.0921% | 2,190 |
| Net operating income to assets | 2.0443% | 308 |
| Return on assets (ROA) | 2.0387% | 338 |
| Pretax return on assets | 2.0387% | 551 |
| Return on Equity (ROE) | 18.5319% | 301 |
| Retained earnings to average equity (ytd only) | 10.8245% | 356 |
| Net charge-offs to loans | 0.0851% | 1,900 |
| Credit loss provision to net charge-offs | 141.5254% | 1,828 |
| Earnings coverage of net charge-offs (x) | 32.8390% | 1,491 |
| Efficiency ratio | 58.6490% | 3,886 |
| Assets per employee ($millions) | 4.2189% | 3,611 |
| Cash dividends to net income (ytd only)* | 41.5900% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 3,669 |
| Loan loss allowance to noncurrent loans | 114.0408% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6452% | 1,973 |
| Noncurrent loans to loans | 0.8464% | 1,820 |
| Net loans and leases to total assets | 75.5020% | 1,503 |
| Net loans and leases to deposits | 89.4189% | 1,655 |
| Net loans and leases to core deposits | 93.1367% | 2,144 |
| Total domestic deposits to total assets | 84.4363% | 2,712 |
| Equity capital to assets | 11.3594% | 2,653 |
| Core capital (leverage) ratio | 11.3950% | 2,190 |
| Tier 1 risk-based capital ratio | 14.5573% | 2,988 |
| Total risk-based capital ratio | 15.5063% | 3,059 |
| Memoranda: | ||
| Average total assets | $181,386,800 | 3,008 |
| Average earning assets | $168,034,400 | 3,013 |
| Average equity | $19,954,800 | 3,138 |
| Average total loans | $138,669,200 | 2,740 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8943% | 1,835 |
| Cost of funding earning assets | 0.5272% | 4,041 |
| Net interest margin | 4.3671% | 1,017 |
| Noninterest income to average assets | 1.0234% | 891 |
| Noninterest expense to average assets | 2.9645% | 2,070 |
| Loan and lease loss provision to assets | 0.1041% | 1,849 |
| Net operating income to assets | 1.9962% | 400 |
| Return on assets (ROA) | 1.9887% | 422 |
| Pretax return on assets | 1.9887% | 705 |
| Return on Equity (ROE) | 18.2347% | 374 |
| Retained earnings to average equity (ytd only) | 10.6585% | 591 |
| Net charge-offs to loans | 0.0817% | 1,661 |
| Credit loss provision to net charge-offs | 166.6667% | 1,505 |
| Earnings coverage of net charge-offs (x) | 33.6182% | 1,522 |
| Efficiency ratio | 58.5316% | 3,859 |
| Assets per employee ($millions) | 4.3659% | 3,388 |
| Cash dividends to net income (ytd only)* | 41.5484% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,591 |
| Loan loss allowance to noncurrent loans | 175.6250% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 2,774 |
| Noncurrent loans to loans | 0.5675% | 2,596 |
| Net loans and leases to total assets | 76.1118% | 1,459 |
| Net loans and leases to deposits | 90.7804% | 1,593 |
| Net loans and leases to core deposits | 94.7173% | 2,107 |
| Total domestic deposits to total assets | 83.8417% | 2,882 |
| Equity capital to assets | 11.4039% | 2,732 |
| Core capital (leverage) ratio | 11.3677% | 2,327 |
| Tier 1 risk-based capital ratio | 14.1275% | 3,268 |
| Total risk-based capital ratio | 15.0804% | 3,319 |
| Memoranda: | ||
| Average total assets | $179,270,500 | 3,052 |
| Average earning assets | $165,901,500 | 3,058 |
| Average equity | $19,552,000 | 3,194 |
| Average total loans | $137,151,750 | 2,776 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 1,932 |
| Cost of funding earning assets | 0.5197% | 4,037 |
| Net interest margin | 4.3215% | 1,096 |
| Noninterest income to average assets | 0.8252% | 1,265 |
| Noninterest expense to average assets | 2.9499% | 2,137 |
| Loan and lease loss provision to assets | 0.1563% | 1,164 |
| Net operating income to assets | 1.7200% | 698 |
| Return on assets (ROA) | 1.7088% | 742 |
| Pretax return on assets | 1.7088% | 1,254 |
| Return on Equity (ROE) | 15.9171% | 598 |
| Retained earnings to average equity (ytd only) | 7.4140% | 1,638 |
| Net charge-offs to loans | 0.1236% | 1,201 |
| Credit loss provision to net charge-offs | 165.4762% | 1,393 |
| Earnings coverage of net charge-offs (x) | 19.8690% | 1,800 |
| Efficiency ratio | 61.1228% | 3,567 |
| Assets per employee ($millions) | 4.2959% | 3,438 |
| Cash dividends to net income (ytd only)* | 53.4211% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 3,584 |
| Loan loss allowance to noncurrent loans | 184.6053% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 2,827 |
| Noncurrent loans to loans | 0.5451% | 2,635 |
| Net loans and leases to total assets | 76.4958% | 1,473 |
| Net loans and leases to deposits | 92.1294% | 1,477 |
| Net loans and leases to core deposits | 96.0272% | 2,067 |
| Total domestic deposits to total assets | 83.0308% | 3,195 |
| Equity capital to assets | 11.0405% | 3,004 |
| Core capital (leverage) ratio | 11.2766% | 2,348 |
| Tier 1 risk-based capital ratio | 13.7058% | 3,480 |
| Total risk-based capital ratio | 14.6684% | 3,523 |
| Memoranda: | ||
| Average total assets | $177,905,000 | 3,080 |
| Average earning assets | $164,711,000 | 3,085 |
| Average equity | $19,099,000 | 3,238 |
| Average total loans | $135,879,330 | 2,805 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 1,923 |
| Cost of funding earning assets | 0.5185% | 3,983 |
| Net interest margin | 4.2725% | 1,144 |
| Noninterest income to average assets | 0.8718% | 1,111 |
| Noninterest expense to average assets | 2.9506% | 2,133 |
| Loan and lease loss provision to assets | 0.1359% | 1,275 |
| Net operating income to assets | 1.7414% | 670 |
| Return on assets (ROA) | 1.7414% | 694 |
| Pretax return on assets | 1.7414% | 1,110 |
| Return on Equity (ROE) | 16.4593% | 536 |
| Retained earnings to average equity (ytd only) | 4.3235% | 3,196 |
| Net charge-offs to loans | 0.0030% | 2,635 |
| Credit loss provision to net charge-offs | 6,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 829.0000% | 77 |
| Efficiency ratio | 61.1163% | 3,665 |
| Assets per employee ($millions) | 4.3396% | 3,433 |
| Cash dividends to net income (ytd only)* | 73.7321% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 3,371 |
| Loan loss allowance to noncurrent loans | 165.6066% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 2,700 |
| Noncurrent loans to loans | 0.6382% | 2,417 |
| Net loans and leases to total assets | 73.9788% | 1,811 |
| Net loans and leases to deposits | 87.1586% | 1,978 |
| Net loans and leases to core deposits | 92.7296% | 2,237 |
| Total domestic deposits to total assets | 84.8784% | 2,726 |
| Equity capital to assets | 10.6439% | 3,208 |
| Core capital (leverage) ratio | 11.0232% | 2,556 |
| Tier 1 risk-based capital ratio | 13.8360% | 3,433 |
| Total risk-based capital ratio | 14.8352% | 3,476 |
| Memoranda: | ||
| Average total assets | $176,644,000 | 3,123 |
| Average earning assets | $163,557,500 | 3,132 |
| Average equity | $18,688,500 | 3,293 |
| Average total loans | $134,108,000 | 2,854 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 1,898 |
| Cost of funding earning assets | 0.4497% | 3,684 |
| Net interest margin | 4.2309% | 1,323 |
| Noninterest income to average assets | 1.1327% | 719 |
| Noninterest expense to average assets | 3.0132% | 2,015 |
| Loan and lease loss provision to assets | 0.1114% | 1,982 |
| Net operating income to assets | 1.9277% | 417 |
| Return on assets (ROA) | 1.9277% | 413 |
| Pretax return on assets | 1.9277% | 668 |
| Return on Equity (ROE) | 18.7317% | 325 |
| Retained earnings to average equity (ytd only) | 10.7774% | 475 |
| Net charge-offs to loans | 0.0078% | 3,406 |
| Credit loss provision to net charge-offs | 1,890.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 346.0000% | 299 |
| Efficiency ratio | 59.6407% | 3,925 |
| Assets per employee ($millions) | 4.2772% | 3,498 |
| Cash dividends to net income (ytd only)* | 42.4641% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,720 |
| Loan loss allowance to noncurrent loans | 192.5714% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 2,937 |
| Noncurrent loans to loans | 0.5178% | 2,726 |
| Net loans and leases to total assets | 76.3190% | 1,553 |
| Net loans and leases to deposits | 90.8780% | 1,690 |
| Net loans and leases to core deposits | 97.5467% | 1,904 |
| Total domestic deposits to total assets | 83.9796% | 3,002 |
| Equity capital to assets | 10.5147% | 3,169 |
| Core capital (leverage) ratio | 10.8975% | 2,628 |
| Tier 1 risk-based capital ratio | 13.7307% | 3,422 |
| Total risk-based capital ratio | 14.6913% | 3,485 |
| Memoranda: | ||
| Average total assets | $169,685,800 | 3,173 |
| Average earning assets | $157,198,800 | 3,166 |
| Average equity | $17,462,400 | 3,349 |
| Average total loans | $128,416,000 | 2,894 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5998% | 1,973 |
| Cost of funding earning assets | 0.4213% | 3,719 |
| Net interest margin | 4.1786% | 1,421 |
| Noninterest income to average assets | 1.1315% | 735 |
| Noninterest expense to average assets | 2.9191% | 2,253 |
| Loan and lease loss provision to assets | 0.1323% | 1,522 |
| Net operating income to assets | 1.9548% | 430 |
| Return on assets (ROA) | 1.9548% | 425 |
| Pretax return on assets | 1.9548% | 716 |
| Return on Equity (ROE) | 19.1033% | 330 |
| Retained earnings to average equity (ytd only) | 11.2436% | 600 |
| Net charge-offs to loans | 0.0042% | 3,306 |
| Credit loss provision to net charge-offs | 4,175.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 658.8949% | 134 |
| Efficiency ratio | 58.3096% | 4,070 |
| Assets per employee ($millions) | 4.5283% | 3,076 |
| Cash dividends to net income (ytd only)* | 41.1431% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 3,856 |
| Loan loss allowance to noncurrent loans | 263.7624% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 3,524 |
| Noncurrent loans to loans | 0.3742% | 3,309 |
| Net loans and leases to total assets | 75.6592% | 1,710 |
| Net loans and leases to deposits | 96.2437% | 1,125 |
| Net loans and leases to core deposits | 101.2104% | 1,679 |
| Total domestic deposits to total assets | 78.6122% | 4,393 |
| Equity capital to assets | 10.0263% | 3,612 |
| Core capital (leverage) ratio | 10.8546% | 2,729 |
| Tier 1 risk-based capital ratio | 12.9748% | 3,924 |
| Total risk-based capital ratio | 13.8922% | 4,019 |
| Memoranda: | ||
| Average total assets | $168,266,250 | 3,213 |
| Average earning assets | $156,031,000 | 3,205 |
| Average equity | $17,218,250 | 3,403 |
| Average total loans | $126,724,000 | 2,950 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 2,006 |
| Cost of funding earning assets | 0.3830% | 3,848 |
| Net interest margin | 4.1437% | 1,429 |
| Noninterest income to average assets | 1.1143% | 768 |
| Noninterest expense to average assets | 2.8691% | 2,440 |
| Loan and lease loss provision to assets | 0.1329% | 1,484 |
| Net operating income to assets | 1.9567% | 413 |
| Return on assets (ROA) | 1.9567% | 410 |
| Pretax return on assets | 1.9567% | 672 |
| Return on Equity (ROE) | 18.9853% | 334 |
| Retained earnings to average equity (ytd only) | 11.8907% | 534 |
| Net charge-offs to loans | -0.0032% | 4,022 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8601% | 4,254 |
| Assets per employee ($millions) | 4.3338% | 3,380 |
| Cash dividends to net income (ytd only)* | 37.3687% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 3,857 |
| Loan loss allowance to noncurrent loans | 155.2727% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 2,803 |
| Noncurrent loans to loans | 0.6425% | 2,507 |
| Net loans and leases to total assets | 75.2087% | 1,760 |
| Net loans and leases to deposits | 94.2389% | 1,332 |
| Net loans and leases to core deposits | 98.4785% | 1,857 |
| Total domestic deposits to total assets | 79.8064% | 4,278 |
| Equity capital to assets | 10.2823% | 3,357 |
| Core capital (leverage) ratio | 11.0020% | 2,527 |
| Tier 1 risk-based capital ratio | 13.2750% | 3,745 |
| Total risk-based capital ratio | 14.1992% | 3,840 |
| Memoranda: | ||
| Average total assets | $165,486,670 | 3,262 |
| Average earning assets | $153,535,000 | 3,247 |
| Average equity | $17,055,330 | 3,441 |
| Average total loans | $123,982,000 | 2,992 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4168% | 2,138 |
| Cost of funding earning assets | 0.3687% | 3,841 |
| Net interest margin | 4.0481% | 1,566 |
| Noninterest income to average assets | 1.1336% | 731 |
| Noninterest expense to average assets | 2.9660% | 2,158 |
| Loan and lease loss provision to assets | 0.0586% | 2,601 |
| Net operating income to assets | 1.8642% | 496 |
| Return on assets (ROA) | 1.8642% | 500 |
| Pretax return on assets | 1.8642% | 789 |
| Return on Equity (ROE) | 18.0661% | 403 |
| Retained earnings to average equity (ytd only) | 11.6968% | 740 |
| Net charge-offs to loans | 0.0164% | 2,185 |
| Credit loss provision to net charge-offs | 480.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 157.4000% | 416 |
| Efficiency ratio | 60.6697% | 3,986 |
| Assets per employee ($millions) | 4.0868% | 3,827 |
| Cash dividends to net income (ytd only)* | 35.2556% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 4,074 |
| Loan loss allowance to noncurrent loans | 92.0217% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 1,997 |
| Noncurrent loans to loans | 1.0633% | 1,721 |
| Net loans and leases to total assets | 73.5464% | 1,934 |
| Net loans and leases to deposits | 88.0726% | 1,920 |
| Net loans and leases to core deposits | 92.3275% | 2,273 |
| Total domestic deposits to total assets | 83.5066% | 3,501 |
| Equity capital to assets | 10.3480% | 3,222 |
| Core capital (leverage) ratio | 10.9324% | 2,510 |
| Tier 1 risk-based capital ratio | 13.4628% | 3,678 |
| Total risk-based capital ratio | 14.3574% | 3,803 |
| Memoranda: | ||
| Average total assets | $163,720,500 | 3,314 |
| Average earning assets | $151,873,000 | 3,304 |
| Average equity | $16,893,500 | 3,486 |
| Average total loans | $121,774,000 | 3,038 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 2,168 |
| Cost of funding earning assets | 0.3793% | 3,427 |
| Net interest margin | 3.9745% | 1,829 |
| Noninterest income to average assets | 1.1501% | 771 |
| Noninterest expense to average assets | 3.1431% | 1,735 |
| Loan and lease loss provision to assets | 0.1197% | 1,912 |
| Net operating income to assets | 1.5552% | 713 |
| Return on assets (ROA) | 1.5635% | 711 |
| Pretax return on assets | 1.5635% | 1,405 |
| Return on Equity (ROE) | 15.0918% | 594 |
| Retained earnings to average equity (ytd only) | 9.7173% | 393 |
| Net charge-offs to loans | 0.0009% | 4,100 |
| Credit loss provision to net charge-offs | 18,700.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 2,617.0000% | 23 |
| Efficiency ratio | 65.2365% | 3,399 |
| Assets per employee ($millions) | 4.0993% | 3,810 |
| Cash dividends to net income (ytd only)* | 35.6120% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 4,174 |
| Loan loss allowance to noncurrent loans | 170.4082% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 3,195 |
| Noncurrent loans to loans | 0.5617% | 2,809 |
| Net loans and leases to total assets | 73.7720% | 1,957 |
| Net loans and leases to deposits | 90.1109% | 1,761 |
| Net loans and leases to core deposits | 94.7229% | 2,133 |
| Total domestic deposits to total assets | 81.8680% | 3,901 |
| Equity capital to assets | 10.2891% | 3,395 |
| Core capital (leverage) ratio | 10.6183% | 2,719 |
| Tier 1 risk-based capital ratio | 12.9773% | 3,915 |
| Total risk-based capital ratio | 13.8499% | 4,035 |
| Memoranda: | ||
| Average total assets | $156,247,800 | 3,399 |
| Average earning assets | $144,195,400 | 3,398 |
| Average equity | $16,187,600 | 3,569 |
| Average total loans | $115,053,600 | 3,120 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3277% | 2,187 |
| Cost of funding earning assets | 0.3862% | 3,317 |
| Net interest margin | 3.9415% | 1,889 |
| Noninterest income to average assets | 1.1897% | 730 |
| Noninterest expense to average assets | 3.1571% | 1,662 |
| Loan and lease loss provision to assets | 0.1607% | 1,277 |
| Net operating income to assets | 1.5051% | 887 |
| Return on assets (ROA) | 1.5163% | 889 |
| Pretax return on assets | 1.5163% | 1,715 |
| Return on Equity (ROE) | 14.6093% | 717 |
| Retained earnings to average equity (ytd only) | 9.7895% | 631 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4604% | 3,297 |
| Assets per employee ($millions) | 4.0345% | 3,931 |
| Cash dividends to net income (ytd only)* | 32.9914% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,978 |
| Loan loss allowance to noncurrent loans | 32.2839% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.3013% | 507 |
| Noncurrent loans to loans | 3.1438% | 381 |
| Net loans and leases to total assets | 72.4592% | 2,188 |
| Net loans and leases to deposits | 88.9169% | 1,938 |
| Net loans and leases to core deposits | 94.8550% | 2,186 |
| Total domestic deposits to total assets | 81.4910% | 3,921 |
| Equity capital to assets | 10.6530% | 3,210 |
| Core capital (leverage) ratio | 10.9345% | 2,523 |
| Tier 1 risk-based capital ratio | 13.2532% | 3,845 |
| Total risk-based capital ratio | 14.1652% | 3,973 |
| Memoranda: | ||
| Average total assets | $154,317,250 | 3,448 |
| Average earning assets | $142,244,000 | 3,449 |
| Average equity | $16,016,750 | 3,625 |
| Average total loans | $113,283,750 | 3,170 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 2,219 |
| Cost of funding earning assets | 0.3928% | 3,140 |
| Net interest margin | 3.8800% | 2,001 |
| Noninterest income to average assets | 1.1193% | 798 |
| Noninterest expense to average assets | 3.1714% | 1,649 |
| Loan and lease loss provision to assets | 0.0365% | 3,275 |
| Net operating income to assets | 1.4937% | 877 |
| Return on assets (ROA) | 1.5107% | 869 |
| Pretax return on assets | 1.5107% | 1,599 |
| Return on Equity (ROE) | 14.6877% | 709 |
| Retained earnings to average equity (ytd only) | 10.0708% | 573 |
| Net charge-offs to loans | 0.0018% | 3,455 |
| Credit loss provision to net charge-offs | 2,800.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 1,173.0000% | 55 |
| Efficiency ratio | 67.4528% | 3,103 |
| Assets per employee ($millions) | 4.2659% | 3,496 |
| Cash dividends to net income (ytd only)* | 31.4335% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 4,758 |
| Loan loss allowance to noncurrent loans | 413.9344% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 4,546 |
| Noncurrent loans to loans | 0.2097% | 4,282 |
| Net loans and leases to total assets | 75.1123% | 1,682 |
| Net loans and leases to deposits | 92.2226% | 1,464 |
| Net loans and leases to core deposits | 98.5477% | 1,762 |
| Total domestic deposits to total assets | 81.4467% | 4,061 |
| Equity capital to assets | 10.6568% | 3,165 |
| Core capital (leverage) ratio | 10.8146% | 2,587 |
| Tier 1 risk-based capital ratio | 13.0284% | 3,979 |
| Total risk-based capital ratio | 13.8208% | 4,163 |
| Memoranda: | ||
| Average total assets | $153,308,000 | 3,474 |
| Average earning assets | $141,546,330 | 3,471 |
| Average equity | $15,768,330 | 3,669 |
| Average total loans | $112,651,670 | 3,184 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 2,269 |
| Cost of funding earning assets | 0.4102% | 2,901 |
| Net interest margin | 3.7938% | 2,138 |
| Noninterest income to average assets | 1.0863% | 842 |
| Noninterest expense to average assets | 3.0867% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5016% | 807 |
| Return on assets (ROA) | 1.5355% | 783 |
| Pretax return on assets | 1.5355% | 1,423 |
| Return on Equity (ROE) | 15.2041% | 620 |
| Retained earnings to average equity (ytd only) | 10.8084% | 645 |
| Net charge-offs to loans | -0.0181% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2738% | 3,304 |
| Assets per employee ($millions) | 3.9898% | 4,027 |
| Cash dividends to net income (ytd only)* | 28.9116% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 4,799 |
| Loan loss allowance to noncurrent loans | 1,029.1667% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 5,024 |
| Noncurrent loans to loans | 0.0864% | 4,849 |
| Net loans and leases to total assets | 72.6068% | 1,988 |
| Net loans and leases to deposits | 88.9587% | 1,669 |
| Net loans and leases to core deposits | 95.1254% | 1,882 |
| Total domestic deposits to total assets | 81.6185% | 4,272 |
| Equity capital to assets | 10.3526% | 3,346 |
| Core capital (leverage) ratio | 10.7730% | 2,623 |
| Tier 1 risk-based capital ratio | 13.2010% | 3,950 |
| Total risk-based capital ratio | 14.0045% | 4,124 |
| Memoranda: | ||
| Average total assets | $153,175,000 | 3,511 |
| Average earning assets | $141,388,500 | 3,505 |
| Average equity | $15,469,500 | 3,730 |
| Average total loans | $110,796,000 | 3,237 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 1,899 |
| Cost of funding earning assets | 0.4237% | 2,771 |
| Net interest margin | 3.9507% | 1,786 |
| Noninterest income to average assets | 1.1455% | 868 |
| Noninterest expense to average assets | 3.0117% | 2,318 |
| Loan and lease loss provision to assets | 0.0780% | 2,804 |
| Net operating income to assets | 1.7122% | 528 |
| Return on assets (ROA) | 1.7170% | 550 |
| Pretax return on assets | 1.7170% | 958 |
| Return on Equity (ROE) | 16.8448% | 426 |
| Retained earnings to average equity (ytd only) | 9.1038% | 568 |
| Net charge-offs to loans | 0.0941% | 2,367 |
| Credit loss provision to net charge-offs | 106.5421% | 2,446 |
| Earnings coverage of net charge-offs (x) | 24.4486% | 1,637 |
| Efficiency ratio | 62.7191% | 4,146 |
| Assets per employee ($millions) | 3.9676% | 4,025 |
| Cash dividends to net income (ytd only)* | 45.9546% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,815 |
| Loan loss allowance to noncurrent loans | 6,553.3333% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 5,369 |
| Noncurrent loans to loans | 0.0136% | 5,223 |
| Net loans and leases to total assets | 70.7909% | 2,371 |
| Net loans and leases to deposits | 87.2070% | 2,023 |
| Net loans and leases to core deposits | 94.0120% | 2,107 |
| Total domestic deposits to total assets | 81.1757% | 4,293 |
| Equity capital to assets | 9.8510% | 3,879 |
| Core capital (leverage) ratio | 10.3319% | 3,068 |
| Tier 1 risk-based capital ratio | 12.8068% | 4,200 |
| Total risk-based capital ratio | 13.6029% | 4,360 |
| Memoranda: | ||
| Average total assets | $146,131,000 | 3,576 |
| Average earning assets | $135,241,200 | 3,569 |
| Average equity | $14,894,800 | 3,821 |
| Average total loans | $113,710,400 | 3,161 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 1,740 |
| Cost of funding earning assets | 0.4289% | 2,746 |
| Net interest margin | 4.0076% | 1,628 |
| Noninterest income to average assets | 0.9455% | 1,260 |
| Noninterest expense to average assets | 3.0087% | 2,297 |
| Loan and lease loss provision to assets | 0.0815% | 2,579 |
| Net operating income to assets | 1.5678% | 773 |
| Return on assets (ROA) | 1.5743% | 801 |
| Pretax return on assets | 1.5743% | 1,450 |
| Return on Equity (ROE) | 15.3069% | 633 |
| Retained earnings to average equity (ytd only) | 8.4458% | 997 |
| Net charge-offs to loans | 0.0268% | 3,130 |
| Credit loss provision to net charge-offs | 382.6087% | 870 |
| Earnings coverage of net charge-offs (x) | 77.4245% | 805 |
| Efficiency ratio | 64.5924% | 3,839 |
| Assets per employee ($millions) | 3.5607% | 4,702 |
| Cash dividends to net income (ytd only)* | 44.8233% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 4,822 |
| Loan loss allowance to noncurrent loans | 271.8016% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 4,394 |
| Noncurrent loans to loans | 0.3370% | 4,051 |
| Net loans and leases to total assets | 77.1384% | 1,337 |
| Net loans and leases to deposits | 97.5900% | 894 |
| Net loans and leases to core deposits | 105.9319% | 1,187 |
| Total domestic deposits to total assets | 79.0433% | 4,714 |
| Equity capital to assets | 10.5749% | 3,485 |
| Core capital (leverage) ratio | 10.5782% | 2,902 |
| Tier 1 risk-based capital ratio | 12.4451% | 4,508 |
| Total risk-based capital ratio | 13.2867% | 4,669 |
| Memoranda: | ||
| Average total assets | $143,979,750 | 3,621 |
| Average earning assets | $133,377,500 | 3,617 |
| Average equity | $14,807,750 | 3,865 |
| Average total loans | $114,507,500 | 3,159 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 1,845 |
| Cost of funding earning assets | 0.4174% | 2,862 |
| Net interest margin | 3.9772% | 1,710 |
| Noninterest income to average assets | 0.8262% | 1,624 |
| Noninterest expense to average assets | 2.9893% | 2,385 |
| Loan and lease loss provision to assets | 0.1242% | 1,835 |
| Net operating income to assets | 1.4095% | 1,050 |
| Return on assets (ROA) | 1.4193% | 1,072 |
| Pretax return on assets | 1.4193% | 1,950 |
| Return on Equity (ROE) | 13.9337% | 846 |
| Retained earnings to average equity (ytd only) | 7.0422% | 1,579 |
| Net charge-offs to loans | 0.0209% | 3,074 |
| Credit loss provision to net charge-offs | 741.6667% | 487 |
| Earnings coverage of net charge-offs (x) | 91.5833% | 624 |
| Efficiency ratio | 66.0907% | 3,670 |
| Assets per employee ($millions) | 3.9348% | 4,029 |
| Cash dividends to net income (ytd only)* | 49.4592% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 4,955 |
| Loan loss allowance to noncurrent loans | 2,106.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 5,451 |
| Noncurrent loans to loans | 0.0428% | 5,292 |
| Net loans and leases to total assets | 79.5914% | 969 |
| Net loans and leases to deposits | 103.0596% | 508 |
| Net loans and leases to core deposits | 112.1137% | 808 |
| Total domestic deposits to total assets | 77.2286% | 5,130 |
| Equity capital to assets | 10.3156% | 3,840 |
| Core capital (leverage) ratio | 10.4392% | 3,029 |
| Tier 1 risk-based capital ratio | 11.8415% | 4,944 |
| Total risk-based capital ratio | 12.6744% | 5,094 |
| Memoranda: | ||
| Average total assets | $143,310,670 | 3,652 |
| Average earning assets | $133,209,330 | 3,640 |
| Average equity | $14,597,670 | 3,914 |
| Average total loans | $114,792,330 | 3,164 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 1,878 |
| Cost of funding earning assets | 0.4084% | 2,980 |
| Net interest margin | 3.9660% | 1,727 |
| Noninterest income to average assets | 0.7428% | 1,847 |
| Noninterest expense to average assets | 3.0048% | 2,376 |
| Loan and lease loss provision to assets | 0.1772% | 1,150 |
| Net operating income to assets | 1.2492% | 1,411 |
| Return on assets (ROA) | 1.2689% | 1,438 |
| Pretax return on assets | 1.2689% | 2,424 |
| Return on Equity (ROE) | 12.5387% | 1,141 |
| Retained earnings to average equity (ytd only) | 3.3640% | 3,818 |
| Net charge-offs to loans | 0.0035% | 3,000 |
| Credit loss provision to net charge-offs | 6,300.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 507.0000% | 109 |
| Efficiency ratio | 67.8095% | 3,496 |
| Assets per employee ($millions) | 3.8461% | 4,216 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 5,025 |
| Loan loss allowance to noncurrent loans | 6,487.5000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 5,624 |
| Noncurrent loans to loans | 0.0140% | 5,464 |
| Net loans and leases to total assets | 79.3486% | 901 |
| Net loans and leases to deposits | 100.8782% | 570 |
| Net loans and leases to core deposits | 110.5945% | 826 |
| Total domestic deposits to total assets | 78.6578% | 5,041 |
| Equity capital to assets | 10.1936% | 3,848 |
| Core capital (leverage) ratio | 10.2700% | 3,236 |
| Tier 1 risk-based capital ratio | 11.8361% | 5,025 |
| Total risk-based capital ratio | 12.6788% | 5,171 |
| Memoranda: | ||
| Average total assets | $142,173,000 | 3,700 |
| Average earning assets | $132,223,500 | 3,681 |
| Average equity | $14,387,500 | 3,953 |
| Average total loans | $113,725,000 | 3,187 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 1,623 |
| Cost of funding earning assets | 0.3113% | 4,124 |
| Net interest margin | 4.1808% | 1,209 |
| Noninterest income to average assets | 1.0266% | 1,126 |
| Noninterest expense to average assets | 3.1156% | 2,182 |
| Loan and lease loss provision to assets | 0.1947% | 1,127 |
| Net operating income to assets | 1.5871% | 727 |
| Return on assets (ROA) | 1.5924% | 737 |
| Pretax return on assets | 1.5924% | 1,264 |
| Return on Equity (ROE) | 14.8810% | 704 |
| Retained earnings to average equity (ytd only) | 4.1005% | 3,088 |
| Net charge-offs to loans | 0.0362% | 3,495 |
| Credit loss provision to net charge-offs | 673.6842% | 499 |
| Earnings coverage of net charge-offs (x) | 61.6579% | 852 |
| Efficiency ratio | 63.6180% | 4,349 |
| Assets per employee ($millions) | 3.9456% | 4,037 |
| Cash dividends to net income (ytd only)* | 72.4451% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 5,236 |
| Loan loss allowance to noncurrent loans | 19,520.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 5,709 |
| Noncurrent loans to loans | 0.0044% | 5,539 |
| Net loans and leases to total assets | 79.2159% | 960 |
| Net loans and leases to deposits | 101.2800% | 589 |
| Net loans and leases to core deposits | 110.1464% | 847 |
| Total domestic deposits to total assets | 78.2147% | 5,120 |
| Equity capital to assets | 10.0457% | 3,907 |
| Core capital (leverage) ratio | 10.4069% | 3,053 |
| Tier 1 risk-based capital ratio | 11.6680% | 5,153 |
| Total risk-based capital ratio | 12.4557% | 5,317 |
| Memoranda: | ||
| Average total assets | $131,497,600 | 3,860 |
| Average earning assets | $121,746,400 | 3,846 |
| Average equity | $14,071,600 | 3,958 |
| Average total loans | $104,835,000 | 3,306 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 1,649 |
| Cost of funding earning assets | 0.2876% | 4,471 |
| Net interest margin | 4.1952% | 1,178 |
| Noninterest income to average assets | 1.0771% | 1,041 |
| Noninterest expense to average assets | 3.0947% | 2,235 |
| Loan and lease loss provision to assets | 0.2100% | 932 |
| Net operating income to assets | 1.6513% | 685 |
| Return on assets (ROA) | 1.6565% | 703 |
| Pretax return on assets | 1.6565% | 1,221 |
| Return on Equity (ROE) | 15.2230% | 703 |
| Retained earnings to average equity (ytd only) | 3.6037% | 3,904 |
| Net charge-offs to loans | 0.0182% | 3,584 |
| Credit loss provision to net charge-offs | 1,450.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 128.4740% | 512 |
| Efficiency ratio | 62.4426% | 4,504 |
| Assets per employee ($millions) | 3.7031% | 4,438 |
| Cash dividends to net income (ytd only)* | 76.3273% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 5,356 |
| Loan loss allowance to noncurrent loans | 4,509.5238% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 5,599 |
| Noncurrent loans to loans | 0.0189% | 5,563 |
| Net loans and leases to total assets | 80.3276% | 773 |
| Net loans and leases to deposits | 106.9270% | 335 |
| Net loans and leases to core deposits | 114.9608% | 634 |
| Total domestic deposits to total assets | 75.1237% | 5,611 |
| Equity capital to assets | 10.3026% | 3,815 |
| Core capital (leverage) ratio | 10.6171% | 2,908 |
| Tier 1 risk-based capital ratio | 11.8452% | 5,170 |
| Total risk-based capital ratio | 12.6319% | 5,348 |
| Memoranda: | ||
| Average total assets | $128,861,750 | 3,950 |
| Average earning assets | $119,149,750 | 3,933 |
| Average equity | $14,022,250 | 4,010 |
| Average total loans | $102,670,000 | 3,375 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 1,640 |
| Cost of funding earning assets | 0.2642% | 4,783 |
| Net interest margin | 4.2011% | 1,107 |
| Noninterest income to average assets | 1.1907% | 855 |
| Noninterest expense to average assets | 3.0854% | 2,287 |
| Loan and lease loss provision to assets | 0.2362% | 771 |
| Net operating income to assets | 1.7520% | 569 |
| Return on assets (ROA) | 1.7599% | 584 |
| Pretax return on assets | 1.7599% | 956 |
| Return on Equity (ROE) | 15.8673% | 622 |
| Retained earnings to average equity (ytd only) | 7.4048% | 1,516 |
| Net charge-offs to loans | 0.0040% | 3,761 |
| Credit loss provision to net charge-offs | 7,450.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 627.0000% | 103 |
| Efficiency ratio | 60.8125% | 4,859 |
| Assets per employee ($millions) | 3.7567% | 4,318 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 5,443 |
| Loan loss allowance to noncurrent loans | 1,587.7193% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 5,497 |
| Noncurrent loans to loans | 0.0540% | 5,521 |
| Net loans and leases to total assets | 79.5575% | 864 |
| Net loans and leases to deposits | 105.8486% | 380 |
| Net loans and leases to core deposits | 108.4831% | 927 |
| Total domestic deposits to total assets | 75.1616% | 5,689 |
| Equity capital to assets | 10.8544% | 3,045 |
| Core capital (leverage) ratio | 11.3097% | 2,155 |
| Tier 1 risk-based capital ratio | 13.1242% | 4,442 |
| Total risk-based capital ratio | 13.9491% | 4,607 |
| Memoranda: | ||
| Average total assets | $126,144,330 | 4,038 |
| Average earning assets | $116,587,330 | 4,023 |
| Average equity | $13,991,000 | 4,044 |
| Average total loans | $99,891,000 | 3,443 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 1,872 |
| Cost of funding earning assets | 0.2564% | 4,944 |
| Net interest margin | 4.1133% | 1,244 |
| Noninterest income to average assets | 1.0982% | 937 |
| Noninterest expense to average assets | 3.0743% | 2,345 |
| Loan and lease loss provision to assets | 0.2203% | 804 |
| Net operating income to assets | 1.5971% | 708 |
| Return on assets (ROA) | 1.5971% | 743 |
| Pretax return on assets | 1.5971% | 1,274 |
| Return on Equity (ROE) | 14.2378% | 833 |
| Retained earnings to average equity (ytd only) | 4.0143% | 3,595 |
| Net charge-offs to loans | 0.0082% | 3,053 |
| Credit loss provision to net charge-offs | 3,400.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 280.5000% | 208 |
| Efficiency ratio | 62.8477% | 4,645 |
| Assets per employee ($millions) | 3.4620% | 4,966 |
| Cash dividends to net income (ytd only)* | 71.8053% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 5,608 |
| Loan loss allowance to noncurrent loans | 169.8969% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 4,257 |
| Noncurrent loans to loans | 0.4910% | 4,103 |
| Net loans and leases to total assets | 78.5915% | 852 |
| Net loans and leases to deposits | 99.2070% | 607 |
| Net loans and leases to core deposits | 100.6422% | 1,278 |
| Total domestic deposits to total assets | 79.2198% | 5,227 |
| Equity capital to assets | 11.1864% | 2,770 |
| Core capital (leverage) ratio | 11.3857% | 2,096 |
| Tier 1 risk-based capital ratio | 13.2968% | 4,435 |
| Total risk-based capital ratio | 14.0803% | 4,623 |
| Memoranda: | ||
| Average total assets | $123,473,500 | 4,115 |
| Average earning assets | $113,874,500 | 4,101 |
| Average equity | $13,850,500 | 4,093 |
| Average total loans | $97,080,500 | 3,503 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 1,988 |
| Cost of funding earning assets | 0.2831% | 4,977 |
| Net interest margin | 4.1867% | 1,341 |
| Noninterest income to average assets | 1.0099% | 1,191 |
| Noninterest expense to average assets | 3.3734% | 1,755 |
| Loan and lease loss provision to assets | 0.1698% | 1,534 |
| Net operating income to assets | 1.2991% | 1,309 |
| Return on assets (ROA) | 1.3714% | 1,180 |
| Pretax return on assets | 1.3714% | 1,996 |
| Return on Equity (ROE) | 12.7356% | 1,201 |
| Retained earnings to average equity (ytd only) | 6.7450% | 1,519 |
| Net charge-offs to loans | -0.0176% | 5,676 |
| Credit loss provision to net charge-offs | -1,306.2500% | 5,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6644% | 3,594 |
| Assets per employee ($millions) | 3.3976% | 5,065 |
| Cash dividends to net income (ytd only)* | 47.0379% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 5,786 |
| Loan loss allowance to noncurrent loans | 135.5993% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 4,042 |
| Noncurrent loans to loans | 0.5860% | 3,909 |
| Net loans and leases to total assets | 77.3648% | 1,091 |
| Net loans and leases to deposits | 95.2375% | 965 |
| Net loans and leases to core deposits | 96.6026% | 1,673 |
| Total domestic deposits to total assets | 81.2335% | 4,667 |
| Equity capital to assets | 11.2489% | 2,652 |
| Core capital (leverage) ratio | 11.2866% | 2,149 |
| Tier 1 risk-based capital ratio | 13.5602% | 4,378 |
| Total risk-based capital ratio | 14.3048% | 4,607 |
| Memoranda: | ||
| Average total assets | $123,082,000 | 4,120 |
| Average earning assets | $112,667,000 | 4,117 |
| Average equity | $13,254,200 | 4,144 |
| Average total loans | $90,680,400 | 3,616 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 2,032 |
| Cost of funding earning assets | 0.2955% | 4,922 |
| Net interest margin | 4.1601% | 1,399 |
| Noninterest income to average assets | 1.0426% | 1,126 |
| Noninterest expense to average assets | 3.2577% | 2,000 |
| Loan and lease loss provision to assets | 0.1439% | 1,742 |
| Net operating income to assets | 1.4482% | 1,027 |
| Return on assets (ROA) | 1.5250% | 928 |
| Pretax return on assets | 1.5250% | 1,566 |
| Return on Equity (ROE) | 14.3202% | 928 |
| Retained earnings to average equity (ytd only) | 8.2265% | 1,253 |
| Net charge-offs to loans | 0.0015% | 4,662 |
| Credit loss provision to net charge-offs | 13,300.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,475.6541% | 40 |
| Efficiency ratio | 67.1722% | 4,015 |
| Assets per employee ($millions) | 3.3685% | 5,105 |
| Cash dividends to net income (ytd only)* | 42.5533% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7204% | 6,061 |
| Loan loss allowance to noncurrent loans | 898.6486% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 5,627 |
| Noncurrent loans to loans | 0.0802% | 5,704 |
| Net loans and leases to total assets | 75.5704% | 1,273 |
| Net loans and leases to deposits | 90.9111% | 1,340 |
| Net loans and leases to core deposits | 92.1915% | 2,024 |
| Total domestic deposits to total assets | 83.1257% | 4,084 |
| Equity capital to assets | 11.2289% | 2,725 |
| Core capital (leverage) ratio | 11.2066% | 2,302 |
| Tier 1 risk-based capital ratio | 13.8032% | 4,356 |
| Total risk-based capital ratio | 14.4733% | 4,651 |
| Memoranda: | ||
| Average total assets | $123,274,000 | 4,150 |
| Average earning assets | $112,816,000 | 4,150 |
| Average equity | $13,128,000 | 4,194 |
| Average total loans | $89,504,000 | 3,669 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3665% | 2,309 |
| Cost of funding earning assets | 0.3076% | 4,898 |
| Net interest margin | 4.0589% | 1,638 |
| Noninterest income to average assets | 0.9940% | 1,219 |
| Noninterest expense to average assets | 3.1966% | 2,203 |
| Loan and lease loss provision to assets | 0.1372% | 1,806 |
| Net operating income to assets | 1.3651% | 1,151 |
| Return on assets (ROA) | 1.4507% | 1,001 |
| Pretax return on assets | 1.4507% | 1,711 |
| Return on Equity (ROE) | 13.8681% | 984 |
| Retained earnings to average equity (ytd only) | 10.2584% | 664 |
| Net charge-offs to loans | -0.0158% | 5,456 |
| Credit loss provision to net charge-offs | -1,214.2857% | 5,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0288% | 4,005 |
| Assets per employee ($millions) | 3.4986% | 4,850 |
| Cash dividends to net income (ytd only)* | 26.0289% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 6,194 |
| Loan loss allowance to noncurrent loans | 199.0446% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 5,012 |
| Noncurrent loans to loans | 0.3458% | 4,972 |
| Net loans and leases to total assets | 73.6529% | 1,483 |
| Net loans and leases to deposits | 89.6421% | 1,405 |
| Net loans and leases to core deposits | 90.9043% | 2,040 |
| Total domestic deposits to total assets | 82.1633% | 4,591 |
| Equity capital to assets | 11.0135% | 2,865 |
| Core capital (leverage) ratio | 11.0092% | 2,421 |
| Tier 1 risk-based capital ratio | 13.7371% | 4,423 |
| Total risk-based capital ratio | 14.3706% | 4,768 |
| Memoranda: | ||
| Average total assets | $123,943,000 | 4,161 |
| Average earning assets | $113,135,330 | 4,164 |
| Average equity | $12,965,000 | 4,229 |
| Average total loans | $88,569,670 | 3,703 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 2,527 |
| Cost of funding earning assets | 0.3196% | 4,862 |
| Net interest margin | 3.9787% | 1,833 |
| Noninterest income to average assets | 0.9239% | 1,322 |
| Noninterest expense to average assets | 3.3427% | 1,850 |
| Loan and lease loss provision to assets | 0.1604% | 1,521 |
| Net operating income to assets | 1.0554% | 1,984 |
| Return on assets (ROA) | 1.1613% | 1,663 |
| Pretax return on assets | 1.1613% | 2,651 |
| Return on Equity (ROE) | 11.3975% | 1,571 |
| Retained earnings to average equity (ytd only) | 9.0047% | 1,252 |
| Net charge-offs to loans | -0.1647% | 6,322 |
| Credit loss provision to net charge-offs | -138.8889% | 4,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3286% | 3,254 |
| Assets per employee ($millions) | 3.4563% | 5,019 |
| Cash dividends to net income (ytd only)* | 20.9945% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7008% | 6,278 |
| Loan loss allowance to noncurrent loans | 214.1869% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 5,198 |
| Noncurrent loans to loans | 0.3272% | 5,127 |
| Net loans and leases to total assets | 70.4931% | 1,798 |
| Net loans and leases to deposits | 84.1240% | 1,808 |
| Net loans and leases to core deposits | 85.8296% | 2,342 |
| Total domestic deposits to total assets | 83.7967% | 4,345 |
| Equity capital to assets | 10.3878% | 3,355 |
| Core capital (leverage) ratio | 10.7496% | 2,655 |
| Tier 1 risk-based capital ratio | 13.4690% | 4,710 |
| Total risk-based capital ratio | 14.1020% | 5,037 |
| Memoranda: | ||
| Average total assets | $124,689,500 | 4,176 |
| Average earning assets | $113,905,500 | 4,180 |
| Average equity | $12,704,500 | 4,292 |
| Average total loans | $87,448,000 | 3,764 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 2,903 |
| Cost of funding earning assets | 0.4283% | 4,334 |
| Net interest margin | 3.8850% | 2,350 |
| Noninterest income to average assets | 1.3177% | 793 |
| Noninterest expense to average assets | 3.3375% | 2,031 |
| Loan and lease loss provision to assets | 0.3544% | 887 |
| Net operating income to assets | 1.1768% | 1,658 |
| Return on assets (ROA) | 1.2073% | 1,608 |
| Pretax return on assets | 1.2073% | 2,544 |
| Return on Equity (ROE) | 11.8787% | 1,459 |
| Retained earnings to average equity (ytd only) | 6.5677% | 1,644 |
| Net charge-offs to loans | 1.2728% | 406 |
| Credit loss provision to net charge-offs | 40.1494% | 4,043 |
| Earnings coverage of net charge-offs (x) | 1.7348% | 4,469 |
| Efficiency ratio | 68.5511% | 4,090 |
| Assets per employee ($millions) | 3.2883% | 5,315 |
| Cash dividends to net income (ytd only)* | 44.7099% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6157% | 6,452 |
| Loan loss allowance to noncurrent loans | 84.4691% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 4,433 |
| Noncurrent loans to loans | 0.7289% | 4,140 |
| Net loans and leases to total assets | 68.8517% | 2,202 |
| Net loans and leases to deposits | 82.1270% | 2,166 |
| Net loans and leases to core deposits | 83.7785% | 2,701 |
| Total domestic deposits to total assets | 83.8357% | 4,227 |
| Equity capital to assets | 9.9909% | 3,789 |
| Core capital (leverage) ratio | 10.5022% | 2,919 |
| Tier 1 risk-based capital ratio | 13.4030% | 4,718 |
| Total risk-based capital ratio | 13.9577% | 5,116 |
| Memoranda: | ||
| Average total assets | $121,347,000 | 4,251 |
| Average earning assets | $110,914,200 | 4,240 |
| Average equity | $12,333,000 | 4,388 |
| Average total loans | $84,146,600 | 3,822 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 2,973 |
| Cost of funding earning assets | 0.4557% | 4,209 |
| Net interest margin | 3.8490% | 2,467 |
| Noninterest income to average assets | 1.3394% | 821 |
| Noninterest expense to average assets | 3.3043% | 2,073 |
| Loan and lease loss provision to assets | 0.2258% | 1,605 |
| Net operating income to assets | 1.3251% | 1,279 |
| Return on assets (ROA) | 1.3660% | 1,235 |
| Pretax return on assets | 1.3660% | 2,056 |
| Return on Equity (ROE) | 13.3815% | 1,144 |
| Retained earnings to average equity (ytd only) | 6.2787% | 2,247 |
| Net charge-offs to loans | 0.0255% | 4,616 |
| Credit loss provision to net charge-offs | 1,275.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 87.5738% | 549 |
| Efficiency ratio | 68.0575% | 4,091 |
| Assets per employee ($millions) | 3.2969% | 5,289 |
| Cash dividends to net income (ytd only)* | 53.0794% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 3,108 |
| Loan loss allowance to noncurrent loans | 78.3659% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.5231% | 2,646 |
| Noncurrent loans to loans | 2.0136% | 2,234 |
| Net loans and leases to total assets | 69.6386% | 2,024 |
| Net loans and leases to deposits | 84.7060% | 1,776 |
| Net loans and leases to core deposits | 90.9665% | 1,874 |
| Total domestic deposits to total assets | 82.2120% | 4,858 |
| Equity capital to assets | 10.0248% | 3,868 |
| Core capital (leverage) ratio | 10.5222% | 2,982 |
| Tier 1 risk-based capital ratio | 13.3716% | 4,859 |
| Total risk-based capital ratio | 14.6274% | 4,788 |
| Memoranda: | ||
| Average total assets | $120,445,250 | 4,313 |
| Average earning assets | $110,016,500 | 4,303 |
| Average equity | $12,295,250 | 4,433 |
| Average total loans | $83,541,750 | 3,869 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 3,097 |
| Cost of funding earning assets | 0.4837% | 4,048 |
| Net interest margin | 3.7817% | 2,628 |
| Noninterest income to average assets | 1.3758% | 829 |
| Noninterest expense to average assets | 3.3169% | 2,028 |
| Loan and lease loss provision to assets | 0.3352% | 1,024 |
| Net operating income to assets | 1.1790% | 1,645 |
| Return on assets (ROA) | 1.2407% | 1,583 |
| Pretax return on assets | 1.2407% | 2,516 |
| Return on Equity (ROE) | 12.0805% | 1,467 |
| Retained earnings to average equity (ytd only) | 2.6954% | 4,596 |
| Net charge-offs to loans | 0.0363% | 4,172 |
| Credit loss provision to net charge-offs | 1,340.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 60.5333% | 698 |
| Efficiency ratio | 68.6572% | 4,068 |
| Assets per employee ($millions) | 3.2120% | 5,452 |
| Cash dividends to net income (ytd only)* | 77.6882% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 3,018 |
| Loan loss allowance to noncurrent loans | 68.7911% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.6635% | 2,615 |
| Noncurrent loans to loans | 2.3814% | 1,979 |
| Net loans and leases to total assets | 68.7100% | 2,104 |
| Net loans and leases to deposits | 83.1800% | 1,903 |
| Net loans and leases to core deposits | 85.0071% | 2,436 |
| Total domestic deposits to total assets | 82.6039% | 4,850 |
| Equity capital to assets | 10.1546% | 3,720 |
| Core capital (leverage) ratio | 10.1635% | 3,278 |
| Tier 1 risk-based capital ratio | 13.4563% | 4,802 |
| Total risk-based capital ratio | 14.7110% | 4,753 |
| Memoranda: | ||
| Average total assets | $119,931,330 | 4,351 |
| Average earning assets | $109,579,000 | 4,346 |
| Average equity | $12,317,330 | 4,461 |
| Average total loans | $82,618,330 | 3,911 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 2,522 |
| Cost of funding earning assets | 0.5109% | 3,961 |
| Net interest margin | 3.8899% | 2,152 |
| Noninterest income to average assets | 1.4111% | 769 |
| Noninterest expense to average assets | 3.4098% | 1,814 |
| Loan and lease loss provision to assets | 0.0100% | 4,327 |
| Net operating income to assets | 1.5306% | 801 |
| Return on assets (ROA) | 1.5472% | 844 |
| Pretax return on assets | 1.5472% | 1,432 |
| Return on Equity (ROE) | 14.9815% | 774 |
| Retained earnings to average equity (ytd only) | 4.5330% | 3,513 |
| Net charge-offs to loans | 0.0777% | 3,063 |
| Credit loss provision to net charge-offs | 18.7500% | 3,055 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 974 |
| Efficiency ratio | 68.8799% | 4,165 |
| Assets per employee ($millions) | 3.2673% | 5,509 |
| Cash dividends to net income (ytd only)* | 69.7425% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 3,946 |
| Loan loss allowance to noncurrent loans | 1,075.0000% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 6,320 |
| Noncurrent loans to loans | 0.1364% | 6,056 |
| Net loans and leases to total assets | 64.5471% | 2,607 |
| Net loans and leases to deposits | 77.6266% | 2,394 |
| Net loans and leases to core deposits | 79.0171% | 2,925 |
| Total domestic deposits to total assets | 83.1508% | 4,808 |
| Equity capital to assets | 10.3549% | 3,728 |
| Core capital (leverage) ratio | 10.2745% | 3,046 |
| Tier 1 risk-based capital ratio | 14.0687% | 4,461 |
| Total risk-based capital ratio | 15.3244% | 4,411 |
| Memoranda: | ||
| Average total assets | $120,475,500 | 4,389 |
| Average earning assets | $109,617,500 | 4,380 |
| Average equity | $12,442,000 | 4,486 |
| Average total loans | $82,419,000 | 3,941 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 2,242 |
| Cost of funding earning assets | 0.6706% | 3,736 |
| Net interest margin | 4.1184% | 1,929 |
| Noninterest income to average assets | 1.4924% | 709 |
| Noninterest expense to average assets | 3.4400% | 1,965 |
| Loan and lease loss provision to assets | 0.1386% | 3,877 |
| Net operating income to assets | 1.6788% | 645 |
| Return on assets (ROA) | 1.8619% | 511 |
| Pretax return on assets | 1.8619% | 807 |
| Return on Equity (ROE) | 18.1754% | 433 |
| Retained earnings to average equity (ytd only) | 7.3292% | 1,410 |
| Net charge-offs to loans | 0.1689% | 4,024 |
| Credit loss provision to net charge-offs | 117.0213% | 2,466 |
| Earnings coverage of net charge-offs (x) | 15.3475% | 1,659 |
| Efficiency ratio | 65.4313% | 4,617 |
| Assets per employee ($millions) | 3.3350% | 5,351 |
| Cash dividends to net income (ytd only)* | 59.6752% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 4,307 |
| Loan loss allowance to noncurrent loans | 91.3619% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 3,888 |
| Noncurrent loans to loans | 1.5004% | 3,354 |
| Net loans and leases to total assets | 70.3576% | 1,769 |
| Net loans and leases to deposits | 85.2005% | 1,616 |
| Net loans and leases to core deposits | 86.7697% | 2,217 |
| Total domestic deposits to total assets | 82.5789% | 4,901 |
| Equity capital to assets | 10.2998% | 3,761 |
| Core capital (leverage) ratio | 10.1128% | 3,258 |
| Tier 1 risk-based capital ratio | 13.0880% | 5,042 |
| Total risk-based capital ratio | 14.3427% | 4,988 |
| Memoranda: | ||
| Average total assets | $119,069,800 | 4,379 |
| Average earning assets | $108,852,800 | 4,374 |
| Average equity | $12,197,800 | 4,526 |
| Average total loans | $83,457,000 | 3,924 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 2,361 |
| Cost of funding earning assets | 0.7010% | 3,766 |
| Net interest margin | 4.1072% | 2,065 |
| Noninterest income to average assets | 1.3375% | 826 |
| Noninterest expense to average assets | 3.3719% | 2,080 |
| Loan and lease loss provision to assets | 0.1818% | 3,322 |
| Net operating income to assets | 1.5507% | 944 |
| Return on assets (ROA) | 1.7954% | 642 |
| Pretax return on assets | 1.7954% | 1,058 |
| Return on Equity (ROE) | 17.5496% | 545 |
| Retained earnings to average equity (ytd only) | 8.2812% | 1,503 |
| Net charge-offs to loans | -0.0016% | 6,196 |
| Credit loss provision to net charge-offs | -16,200.0000% | 6,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0585% | 4,444 |
| Assets per employee ($millions) | 3.2658% | 5,512 |
| Cash dividends to net income (ytd only)* | 52.8126% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 3,618 |
| Loan loss allowance to noncurrent loans | 104.9560% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0641% | 4,155 |
| Noncurrent loans to loans | 1.5013% | 3,535 |
| Net loans and leases to total assets | 69.7579% | 1,959 |
| Net loans and leases to deposits | 85.4997% | 1,662 |
| Net loans and leases to core deposits | 87.1237% | 2,329 |
| Total domestic deposits to total assets | 81.5885% | 5,165 |
| Equity capital to assets | 10.5624% | 3,773 |
| Core capital (leverage) ratio | 10.3011% | 3,164 |
| Tier 1 risk-based capital ratio | 13.3411% | 4,994 |
| Total risk-based capital ratio | 14.5994% | 4,950 |
| Memoranda: | ||
| Average total assets | $118,822,000 | 4,426 |
| Average earning assets | $108,978,000 | 4,421 |
| Average equity | $12,155,750 | 4,574 |
| Average total loans | $82,909,750 | 3,991 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 2,451 |
| Cost of funding earning assets | 0.7457% | 3,635 |
| Net interest margin | 4.0666% | 2,224 |
| Noninterest income to average assets | 1.3838% | 755 |
| Noninterest expense to average assets | 3.2908% | 2,336 |
| Loan and lease loss provision to assets | 0.1661% | 3,449 |
| Net operating income to assets | 1.6588% | 735 |
| Return on assets (ROA) | 1.7662% | 668 |
| Pretax return on assets | 1.7662% | 1,100 |
| Return on Equity (ROE) | 17.4506% | 582 |
| Retained earnings to average equity (ytd only) | 10.1754% | 930 |
| Net charge-offs to loans | -0.0387% | 6,597 |
| Credit loss provision to net charge-offs | -618.7500% | 6,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3279% | 4,828 |
| Assets per employee ($millions) | 3.2248% | 5,601 |
| Cash dividends to net income (ytd only)* | 41.6904% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 4,017 |
| Loan loss allowance to noncurrent loans | 106.0403% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.0268% | 4,330 |
| Noncurrent loans to loans | 1.4128% | 3,795 |
| Net loans and leases to total assets | 71.5881% | 1,630 |
| Net loans and leases to deposits | 88.8257% | 1,278 |
| Net loans and leases to core deposits | 90.5503% | 1,929 |
| Total domestic deposits to total assets | 80.5938% | 5,590 |
| Equity capital to assets | 10.6200% | 3,546 |
| Core capital (leverage) ratio | 10.1246% | 3,239 |
| Tier 1 risk-based capital ratio | 13.1081% | 5,108 |
| Total risk-based capital ratio | 14.3625% | 5,080 |
| Memoranda: | ||
| Average total assets | $119,240,000 | 4,438 |
| Average earning assets | $109,428,330 | 4,422 |
| Average equity | $12,068,330 | 4,587 |
| Average total loans | $82,771,000 | 4,017 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 2,680 |
| Cost of funding earning assets | 0.8116% | 3,375 |
| Net interest margin | 3.9784% | 2,598 |
| Noninterest income to average assets | 1.5296% | 620 |
| Noninterest expense to average assets | 3.2844% | 2,336 |
| Loan and lease loss provision to assets | 0.3278% | 1,909 |
| Net operating income to assets | 1.5694% | 914 |
| Return on assets (ROA) | 1.5694% | 1,021 |
| Pretax return on assets | 1.5694% | 1,667 |
| Return on Equity (ROE) | 15.8821% | 822 |
| Retained earnings to average equity (ytd only) | 13.3691% | 632 |
| Net charge-offs to loans | -0.0586% | 6,595 |
| Credit loss provision to net charge-offs | -825.0000% | 5,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3866% | 5,037 |
| Assets per employee ($millions) | 3.0893% | 5,984 |
| Cash dividends to net income (ytd only)* | 15.8228% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 3,871 |
| Loan loss allowance to noncurrent loans | 99.6838% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.1054% | 4,283 |
| Noncurrent loans to loans | 1.5693% | 3,757 |
| Net loans and leases to total assets | 64.2138% | 2,812 |
| Net loans and leases to deposits | 79.9277% | 2,210 |
| Net loans and leases to core deposits | 81.3844% | 2,908 |
| Total domestic deposits to total assets | 80.3399% | 5,770 |
| Equity capital to assets | 9.8260% | 4,337 |
| Core capital (leverage) ratio | 9.6583% | 3,834 |
| Tier 1 risk-based capital ratio | 13.3174% | 4,963 |
| Total risk-based capital ratio | 14.5734% | 4,949 |
| Memoranda: | ||
| Average total assets | $120,814,000 | 4,436 |
| Average earning assets | $110,898,000 | 4,414 |
| Average equity | $11,938,000 | 4,625 |
| Average total loans | $81,970,500 | 4,066 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0736% | 2,558 |
| Cost of funding earning assets | 0.9981% | 3,399 |
| Net interest margin | 4.0755% | 2,543 |
| Noninterest income to average assets | 1.0487% | 1,221 |
| Noninterest expense to average assets | 3.2920% | 2,547 |
| Loan and lease loss provision to assets | 0.0738% | 5,690 |
| Net operating income to assets | 1.4246% | 979 |
| Return on assets (ROA) | 1.4483% | 1,010 |
| Pretax return on assets | 1.4483% | 1,628 |
| Return on Equity (ROE) | 15.6101% | 663 |
| Retained earnings to average equity (ytd only) | 9.7026% | 625 |
| Net charge-offs to loans | 0.7112% | 2,381 |
| Credit loss provision to net charge-offs | 14.9485% | 5,970 |
| Earnings coverage of net charge-offs (x) | 3.0344% | 3,695 |
| Efficiency ratio | 68.7212% | 4,204 |
| Assets per employee ($millions) | 3.1068% | 5,885 |
| Cash dividends to net income (ytd only)* | 37.8442% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 4,556 |
| Loan loss allowance to noncurrent loans | 84.8083% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.2341% | 4,170 |
| Noncurrent loans to loans | 1.6272% | 3,720 |
| Net loans and leases to total assets | 69.6107% | 2,110 |
| Net loans and leases to deposits | 86.5245% | 1,605 |
| Net loans and leases to core deposits | 88.1685% | 2,356 |
| Total domestic deposits to total assets | 80.4520% | 5,610 |
| Equity capital to assets | 9.9392% | 4,240 |
| Core capital (leverage) ratio | 9.4416% | 4,121 |
| Tier 1 risk-based capital ratio | 12.4903% | 5,458 |
| Total risk-based capital ratio | 13.7459% | 5,436 |
| Memoranda: | ||
| Average total assets | $117,860,000 | 4,463 |
| Average earning assets | $108,208,000 | 4,444 |
| Average equity | $10,935,200 | 4,799 |
| Average total loans | $81,829,200 | 4,085 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0539% | 2,827 |
| Cost of funding earning assets | 1.0300% | 3,472 |
| Net interest margin | 4.0239% | 2,813 |
| Noninterest income to average assets | 0.9020% | 1,644 |
| Noninterest expense to average assets | 3.2402% | 2,692 |
| Loan and lease loss provision to assets | 0.0656% | 5,636 |
| Net operating income to assets | 1.2970% | 1,381 |
| Return on assets (ROA) | 1.3287% | 1,397 |
| Pretax return on assets | 1.3287% | 2,186 |
| Return on Equity (ROE) | 14.5805% | 930 |
| Retained earnings to average equity (ytd only) | 8.6192% | 1,273 |
| Net charge-offs to loans | 0.6417% | 2,327 |
| Credit loss provision to net charge-offs | 14.7959% | 5,624 |
| Earnings coverage of net charge-offs (x) | 3.0714% | 3,602 |
| Efficiency ratio | 70.3959% | 3,883 |
| Assets per employee ($millions) | 3.0698% | 5,962 |
| Cash dividends to net income (ytd only)* | 40.8857% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 3,931 |
| Loan loss allowance to noncurrent loans | 61.8105% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.9144% | 3,244 |
| Noncurrent loans to loans | 2.4851% | 2,788 |
| Net loans and leases to total assets | 70.1945% | 2,049 |
| Net loans and leases to deposits | 86.6828% | 1,590 |
| Net loans and leases to core deposits | 88.9236% | 2,374 |
| Total domestic deposits to total assets | 80.9786% | 5,439 |
| Equity capital to assets | 9.5362% | 5,024 |
| Core capital (leverage) ratio | 9.2486% | 4,544 |
| Tier 1 risk-based capital ratio | 11.7913% | 6,042 |
| Total risk-based capital ratio | 13.0434% | 6,031 |
| Memoranda: | ||
| Average total assets | $117,810,500 | 4,484 |
| Average earning assets | $108,349,750 | 4,470 |
| Average equity | $10,735,500 | 4,859 |
| Average total loans | $81,453,750 | 4,132 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0429% | 2,953 |
| Cost of funding earning assets | 1.0768% | 3,417 |
| Net interest margin | 3.9661% | 3,009 |
| Noninterest income to average assets | 0.9473% | 1,474 |
| Noninterest expense to average assets | 3.2618% | 2,693 |
| Loan and lease loss provision to assets | 0.1024% | 5,031 |
| Net operating income to assets | 1.2358% | 1,474 |
| Return on assets (ROA) | 1.2580% | 1,491 |
| Pretax return on assets | 1.2580% | 2,276 |
| Return on Equity (ROE) | 14.0270% | 974 |
| Retained earnings to average equity (ytd only) | 7.3656% | 1,704 |
| Net charge-offs to loans | 0.2969% | 3,388 |
| Credit loss provision to net charge-offs | 50.4202% | 4,573 |
| Earnings coverage of net charge-offs (x) | 6.5882% | 2,369 |
| Efficiency ratio | 70.9091% | 3,948 |
| Assets per employee ($millions) | 3.2322% | 5,565 |
| Cash dividends to net income (ytd only)* | 47.4898% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 2,515 |
| Loan loss allowance to noncurrent loans | 211.4667% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 5,623 |
| Noncurrent loans to loans | 0.9220% | 5,129 |
| Net loans and leases to total assets | 68.5471% | 2,509 |
| Net loans and leases to deposits | 84.1776% | 2,084 |
| Net loans and leases to core deposits | 86.0846% | 2,888 |
| Total domestic deposits to total assets | 81.4314% | 5,375 |
| Equity capital to assets | 9.3917% | 4,991 |
| Core capital (leverage) ratio | 8.9441% | 4,816 |
| Tier 1 risk-based capital ratio | 12.0416% | 5,758 |
| Total risk-based capital ratio | 13.2978% | 5,714 |
| Memoranda: | ||
| Average total assets | $117,173,000 | 4,530 |
| Average earning assets | $107,913,330 | 4,510 |
| Average equity | $10,508,330 | 4,919 |
| Average total loans | $80,155,000 | 4,207 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 3,414 |
| Cost of funding earning assets | 1.1110% | 3,445 |
| Net interest margin | 3.8201% | 3,511 |
| Noninterest income to average assets | 0.9287% | 1,548 |
| Noninterest expense to average assets | 3.2352% | 2,751 |
| Loan and lease loss provision to assets | 0.1871% | 3,744 |
| Net operating income to assets | 1.0274% | 2,084 |
| Return on assets (ROA) | 1.0274% | 2,131 |
| Pretax return on assets | 1.0274% | 3,032 |
| Return on Equity (ROE) | 11.7299% | 1,536 |
| Retained earnings to average equity (ytd only) | 5.5154% | 2,906 |
| Net charge-offs to loans | 0.6285% | 1,945 |
| Credit loss provision to net charge-offs | 44.0000% | 3,868 |
| Earnings coverage of net charge-offs (x) | 2.8560% | 2,943 |
| Efficiency ratio | 72.7064% | 3,732 |
| Assets per employee ($millions) | 3.2958% | 5,489 |
| Cash dividends to net income (ytd only)* | 52.9801% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0520% | 2,285 |
| Loan loss allowance to noncurrent loans | 231.9588% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 5,812 |
| Noncurrent loans to loans | 0.8847% | 5,276 |
| Net loans and leases to total assets | 63.3611% | 3,570 |
| Net loans and leases to deposits | 77.8272% | 3,086 |
| Net loans and leases to core deposits | 79.5501% | 3,813 |
| Total domestic deposits to total assets | 81.4126% | 5,531 |
| Equity capital to assets | 8.8293% | 5,450 |
| Core capital (leverage) ratio | 8.6946% | 5,090 |
| Tier 1 risk-based capital ratio | 12.2832% | 5,450 |
| Total risk-based capital ratio | 13.5414% | 5,439 |
| Memoranda: | ||
| Average total assets | $117,580,500 | 4,547 |
| Average earning assets | $108,375,000 | 4,518 |
| Average equity | $10,298,500 | 4,964 |
| Average total loans | $79,559,500 | 4,269 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4080% | 2,633 |
| Cost of funding earning assets | 1.3472% | 3,593 |
| Net interest margin | 4.0607% | 2,745 |
| Noninterest income to average assets | 1.3056% | 861 |
| Noninterest expense to average assets | 3.2228% | 3,007 |
| Loan and lease loss provision to assets | 0.9073% | 1,801 |
| Net operating income to assets | 0.8959% | 2,406 |
| Return on assets (ROA) | 1.0995% | 1,786 |
| Pretax return on assets | 1.0995% | 2,582 |
| Return on Equity (ROE) | 12.1949% | 1,281 |
| Retained earnings to average equity (ytd only) | 4.2258% | 2,885 |
| Net charge-offs to loans | 0.3601% | 4,216 |
| Credit loss provision to net charge-offs | 350.0000% | 735 |
| Earnings coverage of net charge-offs (x) | 6.9564% | 2,233 |
| Efficiency ratio | 64.1225% | 5,329 |
| Assets per employee ($millions) | 3.2364% | 5,576 |
| Cash dividends to net income (ytd only)* | 65.3481% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9972% | 2,317 |
| Loan loss allowance to noncurrent loans | 147.1377% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 5,090 |
| Noncurrent loans to loans | 1.3574% | 4,448 |
| Net loans and leases to total assets | 69.2819% | 2,709 |
| Net loans and leases to deposits | 85.4145% | 2,204 |
| Net loans and leases to core deposits | 87.3396% | 3,141 |
| Total domestic deposits to total assets | 81.1125% | 5,491 |
| Equity capital to assets | 8.6867% | 5,605 |
| Core capital (leverage) ratio | 8.7505% | 4,942 |
| Tier 1 risk-based capital ratio | 11.6037% | 5,818 |
| Total risk-based capital ratio | 12.8612% | 5,815 |
| Memoranda: | ||
| Average total assets | $114,962,400 | 4,593 |
| Average earning assets | $105,325,800 | 4,586 |
| Average equity | $10,365,000 | 5,019 |
| Average total loans | $82,754,400 | 4,253 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4212% | 2,787 |
| Cost of funding earning assets | 1.4141% | 3,496 |
| Net interest margin | 4.0071% | 3,071 |
| Noninterest income to average assets | 1.1602% | 1,039 |
| Noninterest expense to average assets | 3.2060% | 2,908 |
| Loan and lease loss provision to assets | 0.4981% | 2,973 |
| Net operating income to assets | 1.1230% | 1,815 |
| Return on assets (ROA) | 1.3953% | 1,187 |
| Pretax return on assets | 1.3953% | 1,890 |
| Return on Equity (ROE) | 15.3331% | 802 |
| Retained earnings to average equity (ytd only) | 8.6448% | 1,186 |
| Net charge-offs to loans | 0.4763% | 3,370 |
| Credit loss provision to net charge-offs | 144.5946% | 2,719 |
| Earnings coverage of net charge-offs (x) | 4.7061% | 2,949 |
| Efficiency ratio | 66.4176% | 4,769 |
| Assets per employee ($millions) | 3.3957% | 5,217 |
| Cash dividends to net income (ytd only)* | 43.6198% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 5,344 |
| Loan loss allowance to noncurrent loans | 67.7610% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.3192% | 4,509 |
| Noncurrent loans to loans | 1.8149% | 3,925 |
| Net loans and leases to total assets | 71.7894% | 2,299 |
| Net loans and leases to deposits | 90.6073% | 1,638 |
| Net loans and leases to core deposits | 92.9995% | 2,661 |
| Total domestic deposits to total assets | 79.2314% | 5,958 |
| Equity capital to assets | 9.3042% | 5,132 |
| Core capital (leverage) ratio | 9.1932% | 4,382 |
| Tier 1 risk-based capital ratio | 11.5264% | 5,905 |
| Total risk-based capital ratio | 12.6654% | 5,993 |
| Memoranda: | ||
| Average total assets | $114,575,250 | 4,661 |
| Average earning assets | $104,845,500 | 4,645 |
| Average equity | $10,426,000 | 5,077 |
| Average total loans | $82,851,500 | 4,324 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3716% | 3,096 |
| Cost of funding earning assets | 1.4907% | 3,304 |
| Net interest margin | 3.8808% | 3,528 |
| Noninterest income to average assets | 1.2075% | 885 |
| Noninterest expense to average assets | 3.1781% | 2,981 |
| Loan and lease loss provision to assets | 0.2713% | 4,222 |
| Net operating income to assets | 1.3073% | 1,288 |
| Return on assets (ROA) | 1.4228% | 1,120 |
| Pretax return on assets | 1.4228% | 1,773 |
| Return on Equity (ROE) | 15.7548% | 726 |
| Retained earnings to average equity (ytd only) | 9.5536% | 954 |
| Net charge-offs to loans | 0.4873% | 3,080 |
| Credit loss provision to net charge-offs | 77.1144% | 4,783 |
| Earnings coverage of net charge-offs (x) | 4.4876% | 2,939 |
| Efficiency ratio | 66.8138% | 4,816 |
| Assets per employee ($millions) | 3.3264% | 5,370 |
| Cash dividends to net income (ytd only)* | 39.3604% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 6,231 |
| Loan loss allowance to noncurrent loans | 45.1374% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 1.6729% | 3,929 |
| Noncurrent loans to loans | 2.3039% | 3,365 |
| Net loans and leases to total assets | 71.8554% | 2,441 |
| Net loans and leases to deposits | 89.0880% | 1,990 |
| Net loans and leases to core deposits | 93.5415% | 2,790 |
| Total domestic deposits to total assets | 80.6566% | 5,522 |
| Equity capital to assets | 9.3220% | 4,974 |
| Core capital (leverage) ratio | 8.8991% | 4,752 |
| Tier 1 risk-based capital ratio | 11.7539% | 5,538 |
| Total risk-based capital ratio | 12.7321% | 5,761 |
| Memoranda: | ||
| Average total assets | $114,282,670 | 4,693 |
| Average earning assets | $104,513,330 | 4,681 |
| Average equity | $10,320,670 | 5,112 |
| Average total loans | $82,497,000 | 4,367 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4591% | 2,785 |
| Cost of funding earning assets | 1.5003% | 3,555 |
| Net interest margin | 3.9588% | 3,059 |
| Noninterest income to average assets | 1.4067% | 612 |
| Noninterest expense to average assets | 3.1930% | 2,893 |
| Loan and lease loss provision to assets | 0.2716% | 3,853 |
| Net operating income to assets | 1.5530% | 817 |
| Return on assets (ROA) | 1.5634% | 863 |
| Pretax return on assets | 1.5634% | 1,354 |
| Return on Equity (ROE) | 17.5915% | 549 |
| Retained earnings to average equity (ytd only) | 11.8713% | 766 |
| Net charge-offs to loans | 0.6531% | 2,190 |
| Credit loss provision to net charge-offs | 57.7778% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.8815% | 2,756 |
| Efficiency ratio | 63.6364% | 5,557 |
| Assets per employee ($millions) | 3.4048% | 5,279 |
| Cash dividends to net income (ytd only)* | 32.5167% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 6,341 |
| Loan loss allowance to noncurrent loans | 108.9147% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 5,844 |
| Noncurrent loans to loans | 0.9419% | 5,446 |
| Net loans and leases to total assets | 70.2588% | 2,863 |
| Net loans and leases to deposits | 88.7169% | 2,092 |
| Net loans and leases to core deposits | 93.6822% | 2,879 |
| Total domestic deposits to total assets | 79.1944% | 6,030 |
| Equity capital to assets | 8.9658% | 5,329 |
| Core capital (leverage) ratio | 8.8437% | 4,799 |
| Tier 1 risk-based capital ratio | 11.5832% | 5,592 |
| Total risk-based capital ratio | 12.5532% | 5,817 |
| Memoranda: | ||
| Average total assets | $114,875,000 | 4,744 |
| Average earning assets | $104,779,500 | 4,739 |
| Average equity | $10,209,500 | 5,174 |
| Average total loans | $82,685,000 | 4,422 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6178% | 3,508 |
| Cost of funding earning assets | 1.9121% | 3,396 |
| Net interest margin | 3.7057% | 4,118 |
| Noninterest income to average assets | 1.3614% | 796 |
| Noninterest expense to average assets | 3.2691% | 3,127 |
| Loan and lease loss provision to assets | 0.3009% | 5,027 |
| Net operating income to assets | 1.1882% | 1,275 |
| Return on assets (ROA) | 1.3706% | 952 |
| Pretax return on assets | 1.3706% | 1,501 |
| Return on Equity (ROE) | 15.6302% | 588 |
| Retained earnings to average equity (ytd only) | 8.6626% | 550 |
| Net charge-offs to loans | 0.2819% | 4,867 |
| Credit loss provision to net charge-offs | 147.3214% | 3,191 |
| Earnings coverage of net charge-offs (x) | 7.2902% | 2,180 |
| Efficiency ratio | 68.7045% | 4,884 |
| Assets per employee ($millions) | 3.3526% | 5,367 |
| Cash dividends to net income (ytd only)* | 44.5775% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 5,987 |
| Loan loss allowance to noncurrent loans | 329.6703% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 6,854 |
| Noncurrent loans to loans | 0.3281% | 6,622 |
| Net loans and leases to total assets | 72.1953% | 2,706 |
| Net loans and leases to deposits | 94.0621% | 1,586 |
| Net loans and leases to core deposits | 108.7380% | 3,033 |
| Total domestic deposits to total assets | 76.7528% | 6,545 |
| Equity capital to assets | 8.8079% | 5,422 |
| Core capital (leverage) ratio | 8.6863% | 4,943 |
| Tier 1 risk-based capital ratio | 11.0938% | 5,839 |
| Total risk-based capital ratio | 12.1165% | 6,018 |
| Memoranda: | ||
| Average total assets | $109,664,000 | 4,830 |
| Average earning assets | $100,519,800 | 4,834 |
| Average equity | $9,616,000 | 5,408 |
| Average total loans | $79,451,400 | 4,533 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6051% | 3,836 |
| Cost of funding earning assets | 2.0048% | 3,335 |
| Net interest margin | 3.6003% | 4,481 |
| Noninterest income to average assets | 1.3765% | 796 |
| Noninterest expense to average assets | 3.2380% | 3,162 |
| Loan and lease loss provision to assets | 0.2787% | 4,744 |
| Net operating income to assets | 1.1542% | 1,575 |
| Return on assets (ROA) | 1.3347% | 1,208 |
| Pretax return on assets | 1.3347% | 1,860 |
| Return on Equity (ROE) | 15.2397% | 742 |
| Retained earnings to average equity (ytd only) | 9.5897% | 708 |
| Net charge-offs to loans | 0.2717% | 4,342 |
| Credit loss provision to net charge-offs | 141.8750% | 3,455 |
| Earnings coverage of net charge-offs (x) | 7.2937% | 2,431 |
| Efficiency ratio | 69.3218% | 4,723 |
| Assets per employee ($millions) | 3.1607% | 5,753 |
| Cash dividends to net income (ytd only)* | 37.0744% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 5,995 |
| Loan loss allowance to noncurrent loans | 137.7600% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 6,021 |
| Noncurrent loans to loans | 0.7638% | 5,779 |
| Net loans and leases to total assets | 73.1921% | 2,741 |
| Net loans and leases to deposits | 92.4102% | 2,167 |
| Net loans and leases to core deposits | 106.0582% | 3,694 |
| Total domestic deposits to total assets | 79.2034% | 5,733 |
| Equity capital to assets | 9.1689% | 5,220 |
| Core capital (leverage) ratio | 8.8494% | 4,894 |
| Tier 1 risk-based capital ratio | 11.1421% | 5,822 |
| Total risk-based capital ratio | 12.1399% | 6,025 |
| Memoranda: | ||
| Average total assets | $108,583,000 | 4,893 |
| Average earning assets | $99,360,000 | 4,880 |
| Average equity | $9,510,000 | 5,485 |
| Average total loans | $78,515,750 | 4,604 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5656% | 4,247 |
| Cost of funding earning assets | 2.1069% | 3,231 |
| Net interest margin | 3.4587% | 4,969 |
| Noninterest income to average assets | 1.5384% | 632 |
| Noninterest expense to average assets | 3.2455% | 3,166 |
| Loan and lease loss provision to assets | 0.2817% | 4,320 |
| Net operating income to assets | 1.1696% | 1,565 |
| Return on assets (ROA) | 1.4068% | 1,085 |
| Pretax return on assets | 1.4068% | 1,704 |
| Return on Equity (ROE) | 16.3243% | 659 |
| Retained earnings to average equity (ytd only) | 10.7754% | 594 |
| Net charge-offs to loans | 0.4108% | 3,149 |
| Credit loss provision to net charge-offs | 95.5975% | 4,751 |
| Earnings coverage of net charge-offs (x) | 4.9245% | 2,956 |
| Efficiency ratio | 69.1002% | 4,959 |
| Assets per employee ($millions) | 3.0771% | 5,925 |
| Cash dividends to net income (ytd only)* | 33.9921% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 6,220 |
| Loan loss allowance to noncurrent loans | 136.3322% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 6,064 |
| Noncurrent loans to loans | 0.7353% | 5,771 |
| Net loans and leases to total assets | 72.2526% | 3,148 |
| Net loans and leases to deposits | 90.8683% | 2,680 |
| Net loans and leases to core deposits | 104.1951% | 4,044 |
| Total domestic deposits to total assets | 79.5135% | 5,639 |
| Equity capital to assets | 8.8004% | 5,599 |
| Core capital (leverage) ratio | 8.6760% | 5,134 |
| Tier 1 risk-based capital ratio | 11.4916% | 5,388 |
| Total risk-based capital ratio | 12.4516% | 5,601 |
| Memoranda: | ||
| Average total assets | $107,902,670 | 4,941 |
| Average earning assets | $98,533,670 | 4,938 |
| Average equity | $9,299,000 | 5,582 |
| Average total loans | $77,411,330 | 4,679 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5368% | 4,717 |
| Cost of funding earning assets | 2.1731% | 3,306 |
| Net interest margin | 3.3637% | 5,272 |
| Noninterest income to average assets | 1.6222% | 520 |
| Noninterest expense to average assets | 3.3777% | 2,423 |
| Loan and lease loss provision to assets | 0.4481% | 2,681 |
| Net operating income to assets | 0.8518% | 2,902 |
| Return on assets (ROA) | 1.1629% | 1,884 |
| Pretax return on assets | 1.1629% | 2,753 |
| Return on Equity (ROE) | 13.6381% | 1,237 |
| Retained earnings to average equity (ytd only) | 8.0786% | 1,781 |
| Net charge-offs to loans | 0.8019% | 1,611 |
| Credit loss provision to net charge-offs | 78.5714% | 4,213 |
| Earnings coverage of net charge-offs (x) | 2.2792% | 3,595 |
| Efficiency ratio | 72.2090% | 4,157 |
| Assets per employee ($millions) | 2.9995% | 6,152 |
| Cash dividends to net income (ytd only)* | 40.7643% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,187 |
| Loan loss allowance to noncurrent loans | 69.8806% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0085% | 4,677 |
| Noncurrent loans to loans | 1.4306% | 4,161 |
| Net loans and leases to total assets | 69.7906% | 3,723 |
| Net loans and leases to deposits | 88.3690% | 3,223 |
| Net loans and leases to core deposits | 101.3748% | 4,405 |
| Total domestic deposits to total assets | 78.9763% | 5,739 |
| Equity capital to assets | 8.6199% | 5,886 |
| Core capital (leverage) ratio | 8.5156% | 5,500 |
| Tier 1 risk-based capital ratio | 11.3577% | 5,544 |
| Total risk-based capital ratio | 12.3048% | 5,765 |
| Memoranda: | ||
| Average total assets | $108,004,000 | 4,954 |
| Average earning assets | $98,106,500 | 4,969 |
| Average equity | $9,209,500 | 5,625 |
| Average total loans | $76,815,000 | 4,738 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2692% | 4,132 |
| Cost of funding earning assets | 2.6824% | 3,246 |
| Net interest margin | 3.5868% | 4,944 |
| Noninterest income to average assets | 1.6144% | 532 |
| Noninterest expense to average assets | 4.0399% | 1,357 |
| Loan and lease loss provision to assets | 0.2803% | 4,148 |
| Net operating income to assets | 0.0851% | 6,144 |
| Return on assets (ROA) | 0.1383% | 5,837 |
| Pretax return on assets | 0.6344% | 4,589 |
| Return on Equity (ROE) | 1.6333% | 5,730 |
| Retained earnings to average equity (ytd only) | -3.3328% | 6,185 |
| Net charge-offs to loans | -0.0092% | 7,845 |
| Credit loss provision to net charge-offs | -4,285.7143% | 7,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7058% | 2,503 |
| Assets per employee ($millions) | 2.5720% | 7,061 |
| Cash dividends to net income (ytd only)* | 304.0541% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 5,825 |
| Loan loss allowance to noncurrent loans | 85.4682% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 4,593 |
| Noncurrent loans to loans | 1.1986% | 4,115 |
| Net loans and leases to total assets | 71.0141% | 3,782 |
| Net loans and leases to deposits | 90.6945% | 3,334 |
| Net loans and leases to core deposits | 104.7219% | 4,330 |
| Total domestic deposits to total assets | 78.3004% | 5,614 |
| Equity capital to assets | 8.4342% | 6,197 |
| Core capital (leverage) ratio | 7.8425% | 6,733 |
| Tier 1 risk-based capital ratio | 10.4771% | 6,229 |
| Total risk-based capital ratio | 11.4580% | 6,374 |
| Memoranda: | ||
| Average total assets | $107,033,400 | 4,857 |
| Average earning assets | $97,190,200 | 4,886 |
| Average equity | $9,061,400 | 5,722 |
| Average total loans | $75,977,400 | 4,654 |