Home > The Gifford State Bank > Performance and Condition Ratios
The Gifford 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 | 4.5607% | 2,992 |
| Cost of funding earning assets | 0.3683% | 4,320 |
| Net interest margin | 4.1924% | 944 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.4310% | 2,496 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.7051% | 729 |
| Return on assets (ROA) | 1.7051% | 695 |
| Pretax return on assets | 1.7051% | 1,055 |
| Return on Equity (ROE) | 16.7300% | 983 |
| Retained earnings to average equity (ytd only) | 9.1874% | 1,214 |
| Net charge-offs to loans | -0.0624% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.4173% | 3,356 |
| Assets per employee ($millions) | 5.1980% | 3,476 |
| Cash dividends to net income (ytd only)* | 45.0785% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 574 |
| Loan loss allowance to noncurrent loans | 203.7104% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 936 |
| Noncurrent loans to loans | 0.8651% | 883 |
| Net loans and leases to total assets | 67.0600% | 2,140 |
| Net loans and leases to deposits | 76.1321% | 2,443 |
| Net loans and leases to core deposits | 78.3104% | 2,814 |
| Total domestic deposits to total assets | 88.0800% | 1,326 |
| Equity capital to assets | 11.0486% | 1,449 |
| Core capital (leverage) ratio | 10.9101% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $194,238,400 | 3,021 |
| Average earning assets | $178,918,600 | 3,018 |
| Average equity | $19,798,800 | 2,873 |
| Average total loans | $121,706,400 | 2,936 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 2,950 |
| Cost of funding earning assets | 0.3376% | 4,326 |
| Net interest margin | 4.1405% | 1,002 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.2406% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8025% | 669 |
| Return on assets (ROA) | 1.8025% | 659 |
| Pretax return on assets | 1.8025% | 1,006 |
| Return on Equity (ROE) | 18.0500% | 946 |
| Retained earnings to average equity (ytd only) | 10.4663% | 1,272 |
| Net charge-offs to loans | -0.0555% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.4172% | 3,449 |
| Assets per employee ($millions) | 5.1706% | 3,457 |
| Cash dividends to net income (ytd only)* | 42.0000% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6277% | 841 |
| Loan loss allowance to noncurrent loans | 213.5362% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 1,165 |
| Noncurrent loans to loans | 0.7623% | 1,090 |
| Net loans and leases to total assets | 64.2900% | 2,412 |
| Net loans and leases to deposits | 72.5680% | 2,673 |
| Net loans and leases to core deposits | 74.3765% | 2,972 |
| Total domestic deposits to total assets | 88.5900% | 1,380 |
| Equity capital to assets | 10.6391% | 1,491 |
| Core capital (leverage) ratio | 10.5970% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $196,016,000 | 3,021 |
| Average earning assets | $180,488,500 | 3,012 |
| Average equity | $19,579,750 | 2,881 |
| Average total loans | $120,198,500 | 2,953 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 2,941 |
| Cost of funding earning assets | 0.3020% | 4,312 |
| Net interest margin | 4.0752% | 1,119 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.2148% | 3,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7674% | 697 |
| Return on assets (ROA) | 1.7674% | 698 |
| Pretax return on assets | 1.7674% | 1,081 |
| Return on Equity (ROE) | 18.0700% | 946 |
| Retained earnings to average equity (ytd only) | 10.4856% | 1,283 |
| Net charge-offs to loans | -0.0455% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.6177% | 3,467 |
| Assets per employee ($millions) | 5.3091% | 3,320 |
| Cash dividends to net income (ytd only)* | 41.9817% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 791 |
| Loan loss allowance to noncurrent loans | 169.3603% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6048% | 888 |
| Noncurrent loans to loans | 0.9892% | 765 |
| Net loans and leases to total assets | 60.1200% | 2,762 |
| Net loans and leases to deposits | 67.4390% | 2,954 |
| Net loans and leases to core deposits | 68.9454% | 3,188 |
| Total domestic deposits to total assets | 89.1400% | 1,201 |
| Equity capital to assets | 10.1004% | 1,797 |
| Core capital (leverage) ratio | 10.1960% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $197,583,667 | 3,018 |
| Average earning assets | $182,126,000 | 3,013 |
| Average equity | $19,321,667 | 2,918 |
| Average total loans | $118,591,000 | 2,968 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1890% | 3,067 |
| Cost of funding earning assets | 0.2644% | 4,271 |
| Net interest margin | 3.9246% | 1,420 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.2104% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6290% | 934 |
| Return on assets (ROA) | 1.6290% | 932 |
| Pretax return on assets | 1.6290% | 1,402 |
| Return on Equity (ROE) | 16.9300% | 1,185 |
| Retained earnings to average equity (ytd only) | 9.5898% | 1,797 |
| Net charge-offs to loans | -0.0917% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.5710% | 3,238 |
| Assets per employee ($millions) | 5.4485% | 3,271 |
| Cash dividends to net income (ytd only)* | 43.3705% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 754 |
| Loan loss allowance to noncurrent loans | 361.2208% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 1,761 |
| Noncurrent loans to loans | 0.4795% | 1,513 |
| Net loans and leases to total assets | 56.6200% | 2,993 |
| Net loans and leases to deposits | 63.1302% | 3,157 |
| Net loans and leases to core deposits | 64.2907% | 3,328 |
| Total domestic deposits to total assets | 89.7000% | 1,263 |
| Equity capital to assets | 9.5688% | 2,087 |
| Core capital (leverage) ratio | 9.3967% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $198,157,000 | 3,051 |
| Average earning assets | $183,052,000 | 3,043 |
| Average equity | $19,062,000 | 2,970 |
| Average total loans | $117,835,000 | 3,002 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6585% | 2,644 |
| Cost of funding earning assets | 0.2478% | 3,342 |
| Net interest margin | 3.4107% | 2,222 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.3748% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1165% | 2,093 |
| Return on assets (ROA) | 1.1165% | 2,035 |
| Pretax return on assets | 1.1165% | 2,715 |
| Return on Equity (ROE) | 12.3300% | 2,028 |
| Retained earnings to average equity (ytd only) | 7.1217% | 2,189 |
| Net charge-offs to loans | 0.0925% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 20.4673% | 1,881 |
| Efficiency ratio | 68.0199% | 1,962 |
| Assets per employee ($millions) | 5.1242% | 3,574 |
| Cash dividends to net income (ytd only)* | 42.2374% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 857 |
| Loan loss allowance to noncurrent loans | 227.6376% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 1,136 |
| Noncurrent loans to loans | 0.7297% | 1,030 |
| Net loans and leases to total assets | 60.3500% | 2,607 |
| Net loans and leases to deposits | 67.3616% | 2,780 |
| Net loans and leases to core deposits | 68.3854% | 2,987 |
| Total domestic deposits to total assets | 89.6000% | 1,514 |
| Equity capital to assets | 9.6723% | 1,901 |
| Core capital (leverage) ratio | 9.5496% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $196,140,400 | 3,064 |
| Average earning assets | $178,761,000 | 3,073 |
| Average equity | $17,762,600 | 3,144 |
| Average total loans | $115,714,200 | 2,966 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5121% | 2,584 |
| Cost of funding earning assets | 0.2535% | 2,666 |
| Net interest margin | 3.2586% | 2,432 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.2460% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9723% | 2,582 |
| Return on assets (ROA) | 0.9723% | 2,549 |
| Pretax return on assets | 0.9723% | 3,101 |
| Return on Equity (ROE) | 10.9200% | 2,405 |
| Retained earnings to average equity (ytd only) | 6.5770% | 2,531 |
| Net charge-offs to loans | 0.0569% | 913 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 29.2449% | 1,530 |
| Efficiency ratio | 69.7871% | 1,785 |
| Assets per employee ($millions) | 4.9461% | 3,720 |
| Cash dividends to net income (ytd only)* | 39.7767% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7025% | 872 |
| Loan loss allowance to noncurrent loans | 250.3676% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 1,315 |
| Noncurrent loans to loans | 0.6800% | 1,198 |
| Net loans and leases to total assets | 59.6200% | 2,548 |
| Net loans and leases to deposits | 66.2349% | 2,699 |
| Net loans and leases to core deposits | 67.6033% | 2,834 |
| Total domestic deposits to total assets | 90.0200% | 1,651 |
| Equity capital to assets | 9.3068% | 2,008 |
| Core capital (leverage) ratio | 9.2834% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $196,495,250 | 3,085 |
| Average earning assets | $178,804,000 | 3,097 |
| Average equity | $17,494,750 | 3,198 |
| Average total loans | $114,766,250 | 2,986 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3585% | 2,550 |
| Cost of funding earning assets | 0.2648% | 2,094 |
| Net interest margin | 3.0936% | 2,551 |
| Noninterest income to average assets | 0.2530% | 3,654 |
| Noninterest expense to average assets | 2.2587% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7947% | 2,974 |
| Return on assets (ROA) | 0.7947% | 2,946 |
| Pretax return on assets | 0.7947% | 3,346 |
| Return on Equity (ROE) | 9.0641% | 2,679 |
| Retained earnings to average equity (ytd only) | 5.6898% | 2,439 |
| Net charge-offs to loans | 0.0354% | 1,031 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 38.9500% | 1,272 |
| Efficiency ratio | 73.9726% | 1,509 |
| Assets per employee ($millions) | 4.9765% | 3,693 |
| Cash dividends to net income (ytd only)* | 37.2272% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8035% | 813 |
| Loan loss allowance to noncurrent loans | 232.8090% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 1,269 |
| Noncurrent loans to loans | 0.7747% | 1,102 |
| Net loans and leases to total assets | 56.6751% | 2,681 |
| Net loans and leases to deposits | 62.7977% | 2,826 |
| Net loans and leases to core deposits | 64.2025% | 2,948 |
| Total domestic deposits to total assets | 90.2502% | 1,610 |
| Equity capital to assets | 9.0746% | 2,341 |
| Core capital (leverage) ratio | 8.9719% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,045,333 | 3,120 |
| Average earning assets | $177,461,667 | 3,153 |
| Average equity | $17,188,667 | 3,303 |
| Average total loans | $113,021,000 | 3,030 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1060% | 2,967 |
| Cost of funding earning assets | 0.2732% | 1,896 |
| Net interest margin | 2.8328% | 3,032 |
| Noninterest income to average assets | 0.2447% | 3,676 |
| Noninterest expense to average assets | 2.2392% | 2,722 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5428% | 3,586 |
| Return on assets (ROA) | 0.5428% | 3,553 |
| Pretax return on assets | 0.5428% | 3,776 |
| Return on Equity (ROE) | 6.3041% | 3,248 |
| Retained earnings to average equity (ytd only) | 0.5731% | 3,907 |
| Net charge-offs to loans | -0.0214% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4878% | 1,113 |
| Assets per employee ($millions) | 5.0130% | 3,744 |
| Cash dividends to net income (ytd only)* | 90.9091% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 755 |
| Loan loss allowance to noncurrent loans | 244.8075% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 1,454 |
| Noncurrent loans to loans | 0.7724% | 1,234 |
| Net loans and leases to total assets | 52.9628% | 2,883 |
| Net loans and leases to deposits | 58.3973% | 3,040 |
| Net loans and leases to core deposits | 59.5945% | 3,183 |
| Total domestic deposits to total assets | 90.6940% | 1,180 |
| Equity capital to assets | 8.6424% | 3,029 |
| Core capital (leverage) ratio | 8.7335% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,537,500 | 3,137 |
| Average earning assets | $174,242,000 | 3,189 |
| Average equity | $16,751,000 | 3,418 |
| Average total loans | $112,086,500 | 3,030 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4588% | 2,779 |
| Cost of funding earning assets | 0.3414% | 2,014 |
| Net interest margin | 3.1174% | 2,850 |
| Noninterest income to average assets | 0.7600% | 1,562 |
| Noninterest expense to average assets | 2.4839% | 2,231 |
| Loan and lease loss provision to assets | 0.3601% | 201 |
| Net operating income to assets | 0.7035% | 3,619 |
| Return on assets (ROA) | 0.7035% | 3,673 |
| Pretax return on assets | 0.7035% | 3,921 |
| Return on Equity (ROE) | 8.1944% | 3,158 |
| Retained earnings to average equity (ytd only) | 2.0905% | 3,962 |
| Net charge-offs to loans | 0.0053% | 2,398 |
| Credit loss provision to net charge-offs | 10,833.3333% | 61 |
| Earnings coverage of net charge-offs (x) | 320.0000% | 385 |
| Efficiency ratio | 70.0187% | 1,728 |
| Assets per employee ($millions) | 4.8301% | 3,865 |
| Cash dividends to net income (ytd only)* | 74.4882% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 800 |
| Loan loss allowance to noncurrent loans | 242.4102% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 1,404 |
| Noncurrent loans to loans | 0.7622% | 1,332 |
| Net loans and leases to total assets | 60.5458% | 2,101 |
| Net loans and leases to deposits | 66.7586% | 2,435 |
| Net loans and leases to core deposits | 68.2904% | 2,622 |
| Total domestic deposits to total assets | 90.6937% | 624 |
| Equity capital to assets | 8.5751% | 4,001 |
| Core capital (leverage) ratio | 8.5424% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,519,400 | 3,207 |
| Average earning assets | $161,414,600 | 3,262 |
| Average equity | $15,498,400 | 3,584 |
| Average total loans | $114,156,000 | 3,008 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4603% | 2,941 |
| Cost of funding earning assets | 0.3527% | 2,095 |
| Net interest margin | 3.1076% | 3,034 |
| Noninterest income to average assets | 0.2989% | 3,650 |
| Noninterest expense to average assets | 2.4691% | 2,214 |
| Loan and lease loss provision to assets | 0.0556% | 1,870 |
| Net operating income to assets | 0.5585% | 4,086 |
| Return on assets (ROA) | 0.5585% | 4,128 |
| Pretax return on assets | 0.5585% | 4,288 |
| Return on Equity (ROE) | 6.5032% | 3,796 |
| Retained earnings to average equity (ytd only) | 0.5441% | 4,489 |
| Net charge-offs to loans | -0.0012% | 3,139 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0818% | 737 |
| Assets per employee ($millions) | 4.4692% | 4,147 |
| Cash dividends to net income (ytd only)* | 91.6335% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 2,344 |
| Loan loss allowance to noncurrent loans | 179.7170% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 1,602 |
| Noncurrent loans to loans | 0.7396% | 1,515 |
| Net loans and leases to total assets | 63.2852% | 1,861 |
| Net loans and leases to deposits | 69.8788% | 2,256 |
| Net loans and leases to core deposits | 71.5371% | 2,464 |
| Total domestic deposits to total assets | 90.5643% | 527 |
| Equity capital to assets | 8.6688% | 4,092 |
| Core capital (leverage) ratio | 8.5324% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,763,750 | 3,244 |
| Average earning assets | $161,061,000 | 3,297 |
| Average equity | $15,438,250 | 3,635 |
| Average total loans | $114,390,250 | 3,048 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3988% | 3,186 |
| Cost of funding earning assets | 0.3671% | 2,162 |
| Net interest margin | 3.0317% | 3,240 |
| Noninterest income to average assets | 0.2998% | 3,634 |
| Noninterest expense to average assets | 2.4520% | 2,301 |
| Loan and lease loss provision to assets | 0.0833% | 1,469 |
| Net operating income to assets | 0.4975% | 4,223 |
| Return on assets (ROA) | 0.4975% | 4,267 |
| Pretax return on assets | 0.4975% | 4,393 |
| Return on Equity (ROE) | 5.8111% | 3,954 |
| Retained earnings to average equity (ytd only) | -0.1557% | 4,532 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8495% | 737 |
| Assets per employee ($millions) | 4.5674% | 4,053 |
| Cash dividends to net income (ytd only)* | 102.6786% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 2,296 |
| Loan loss allowance to noncurrent loans | 161.3347% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 1,616 |
| Noncurrent loans to loans | 0.8237% | 1,489 |
| Net loans and leases to total assets | 61.9002% | 2,191 |
| Net loans and leases to deposits | 68.1540% | 2,601 |
| Net loans and leases to core deposits | 69.4981% | 2,827 |
| Total domestic deposits to total assets | 90.8240% | 428 |
| Equity capital to assets | 8.4431% | 4,246 |
| Core capital (leverage) ratio | 8.4769% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,096,000 | 3,249 |
| Average earning assets | $162,350,000 | 3,291 |
| Average equity | $15,418,667 | 3,644 |
| Average total loans | $114,301,333 | 3,064 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3727% | 3,277 |
| Cost of funding earning assets | 0.3758% | 2,307 |
| Net interest margin | 2.9969% | 3,262 |
| Noninterest income to average assets | 0.2595% | 3,844 |
| Noninterest expense to average assets | 2.4900% | 2,202 |
| Loan and lease loss provision to assets | 0.1678% | 742 |
| Net operating income to assets | 0.3311% | 4,479 |
| Return on assets (ROA) | 0.3311% | 4,514 |
| Pretax return on assets | 0.3311% | 4,567 |
| Return on Equity (ROE) | 3.8403% | 4,318 |
| Retained earnings to average equity (ytd only) | -2.1277% | 4,544 |
| Net charge-offs to loans | 0.0666% | 876 |
| Credit loss provision to net charge-offs | 394.7368% | 660 |
| Earnings coverage of net charge-offs (x) | 11.7368% | 1,441 |
| Efficiency ratio | 83.3084% | 630 |
| Assets per employee ($millions) | 4.5968% | 4,018 |
| Cash dividends to net income (ytd only)* | 155.4054% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,269 |
| Loan loss allowance to noncurrent loans | 457.1429% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 3,295 |
| Noncurrent loans to loans | 0.2922% | 3,056 |
| Net loans and leases to total assets | 58.9484% | 2,682 |
| Net loans and leases to deposits | 64.6667% | 3,064 |
| Net loans and leases to core deposits | 65.8940% | 3,251 |
| Total domestic deposits to total assets | 91.1572% | 346 |
| Equity capital to assets | 8.1551% | 4,393 |
| Core capital (leverage) ratio | 8.3719% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,797,000 | 3,255 |
| Average earning assets | $162,836,500 | 3,285 |
| Average equity | $15,415,500 | 3,648 |
| Average total loans | $114,146,500 | 3,074 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 1,629 |
| Cost of funding earning assets | 0.5936% | 2,362 |
| Net interest margin | 3.7922% | 1,521 |
| Noninterest income to average assets | 0.5831% | 2,287 |
| Noninterest expense to average assets | 2.7130% | 2,205 |
| Loan and lease loss provision to assets | 0.6989% | 230 |
| Net operating income to assets | 0.5702% | 3,843 |
| Return on assets (ROA) | 0.5702% | 3,947 |
| Pretax return on assets | 0.5702% | 4,144 |
| Return on Equity (ROE) | 5.9942% | 3,594 |
| Retained earnings to average equity (ytd only) | 0.0388% | 4,504 |
| Net charge-offs to loans | 1.0269% | 128 |
| Credit loss provision to net charge-offs | 90.6550% | 2,929 |
| Earnings coverage of net charge-offs (x) | 1.6462% | 3,242 |
| Efficiency ratio | 68.1305% | 2,226 |
| Assets per employee ($millions) | 4.1250% | 4,269 |
| Cash dividends to net income (ytd only)* | 99.3521% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,673 |
| Loan loss allowance to noncurrent loans | 458.2278% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 3,351 |
| Noncurrent loans to loans | 0.2731% | 3,213 |
| Net loans and leases to total assets | 67.5487% | 1,882 |
| Net loans and leases to deposits | 74.9505% | 2,384 |
| Net loans and leases to core deposits | 76.6831% | 2,660 |
| Total domestic deposits to total assets | 90.1244% | 516 |
| Equity capital to assets | 9.1418% | 3,941 |
| Core capital (leverage) ratio | 9.1300% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,401,600 | 3,266 |
| Average earning assets | $145,561,600 | 3,319 |
| Average equity | $15,448,200 | 3,616 |
| Average total loans | $121,925,400 | 2,959 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 1,551 |
| Cost of funding earning assets | 0.6281% | 2,438 |
| Net interest margin | 3.8797% | 1,407 |
| Noninterest income to average assets | 0.4106% | 3,026 |
| Noninterest expense to average assets | 2.6090% | 2,509 |
| Loan and lease loss provision to assets | 0.6720% | 336 |
| Net operating income to assets | 0.6039% | 3,752 |
| Return on assets (ROA) | 0.6039% | 3,853 |
| Pretax return on assets | 0.6039% | 4,091 |
| Return on Equity (ROE) | 6.2845% | 3,456 |
| Retained earnings to average equity (ytd only) | 0.3280% | 4,425 |
| Net charge-offs to loans | 1.2287% | 102 |
| Credit loss provision to net charge-offs | 71.1775% | 2,802 |
| Earnings coverage of net charge-offs (x) | 1.3515% | 3,077 |
| Efficiency ratio | 67.1578% | 2,293 |
| Assets per employee ($millions) | 4.1509% | 4,193 |
| Cash dividends to net income (ytd only)* | 94.7802% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 3,594 |
| Loan loss allowance to noncurrent loans | 472.1374% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 3,624 |
| Noncurrent loans to loans | 0.2168% | 3,519 |
| Net loans and leases to total assets | 72.0396% | 1,656 |
| Net loans and leases to deposits | 80.1076% | 2,303 |
| Net loans and leases to core deposits | 82.1752% | 2,649 |
| Total domestic deposits to total assets | 89.9286% | 452 |
| Equity capital to assets | 9.3312% | 3,834 |
| Core capital (leverage) ratio | 9.5137% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,721,000 | 3,267 |
| Average earning assets | $143,924,000 | 3,324 |
| Average equity | $15,445,000 | 3,614 |
| Average total loans | $123,484,500 | 2,951 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 1,634 |
| Cost of funding earning assets | 0.6792% | 2,506 |
| Net interest margin | 3.9288% | 1,504 |
| Noninterest income to average assets | 0.4240% | 2,948 |
| Noninterest expense to average assets | 2.5983% | 2,672 |
| Loan and lease loss provision to assets | 0.7361% | 360 |
| Net operating income to assets | 0.6052% | 3,721 |
| Return on assets (ROA) | 0.6052% | 3,800 |
| Pretax return on assets | 0.6052% | 4,052 |
| Return on Equity (ROE) | 6.2350% | 3,425 |
| Retained earnings to average equity (ytd only) | 0.2722% | 4,255 |
| Net charge-offs to loans | 0.9939% | 149 |
| Credit loss provision to net charge-offs | 94.6602% | 2,443 |
| Earnings coverage of net charge-offs (x) | 1.7249% | 2,833 |
| Efficiency ratio | 65.9534% | 2,524 |
| Assets per employee ($millions) | 4.0253% | 4,284 |
| Cash dividends to net income (ytd only)* | 95.6341% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,405 |
| Loan loss allowance to noncurrent loans | 183.2536% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 2,067 |
| Noncurrent loans to loans | 0.6666% | 2,196 |
| Net loans and leases to total assets | 76.9375% | 1,004 |
| Net loans and leases to deposits | 85.8593% | 1,783 |
| Net loans and leases to core deposits | 88.0985% | 2,237 |
| Total domestic deposits to total assets | 89.6087% | 527 |
| Equity capital to assets | 9.6093% | 3,555 |
| Core capital (leverage) ratio | 9.4919% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,949,667 | 3,261 |
| Average earning assets | $142,230,333 | 3,321 |
| Average equity | $15,429,000 | 3,612 |
| Average total loans | $124,363,333 | 2,924 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7386% | 1,594 |
| Cost of funding earning assets | 0.6697% | 3,057 |
| Net interest margin | 4.0690% | 1,200 |
| Noninterest income to average assets | 0.3293% | 3,556 |
| Noninterest expense to average assets | 2.5887% | 3,010 |
| Loan and lease loss provision to assets | 0.6586% | 402 |
| Net operating income to assets | 0.7143% | 3,227 |
| Return on assets (ROA) | 0.7143% | 3,305 |
| Pretax return on assets | 0.7143% | 3,636 |
| Return on Equity (ROE) | 7.3211% | 2,817 |
| Retained earnings to average equity (ytd only) | 1.3500% | 3,653 |
| Net charge-offs to loans | -0.0388% | 4,554 |
| Credit loss provision to net charge-offs | -2,166.6667% | 3,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3453% | 3,048 |
| Assets per employee ($millions) | 3.8977% | 4,054 |
| Cash dividends to net income (ytd only)* | 81.5603% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,368 |
| Loan loss allowance to noncurrent loans | 136.5127% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9336% | 1,425 |
| Noncurrent loans to loans | 1.0941% | 1,521 |
| Net loans and leases to total assets | 75.6092% | 1,367 |
| Net loans and leases to deposits | 88.9933% | 1,640 |
| Net loans and leases to core deposits | 91.1064% | 2,238 |
| Total domestic deposits to total assets | 84.9605% | 2,427 |
| Equity capital to assets | 9.6567% | 4,075 |
| Core capital (leverage) ratio | 9.6716% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,919,500 | 3,234 |
| Average earning assets | $140,968,500 | 3,299 |
| Average equity | $15,407,500 | 3,619 |
| Average total loans | $123,840,500 | 2,915 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 1,538 |
| Cost of funding earning assets | 0.6357% | 3,482 |
| Net interest margin | 4.3412% | 998 |
| Noninterest income to average assets | 0.4093% | 3,235 |
| Noninterest expense to average assets | 2.9304% | 2,208 |
| Loan and lease loss provision to assets | 0.7447% | 145 |
| Net operating income to assets | 0.6172% | 4,108 |
| Return on assets (ROA) | 0.6178% | 4,170 |
| Pretax return on assets | 0.6178% | 4,384 |
| Return on Equity (ROE) | 6.1624% | 3,862 |
| Retained earnings to average equity (ytd only) | 0.2196% | 4,626 |
| Net charge-offs to loans | 1.7297% | 78 |
| Credit loss provision to net charge-offs | 52.1069% | 3,107 |
| Earnings coverage of net charge-offs (x) | 0.9529% | 3,581 |
| Efficiency ratio | 68.2710% | 2,420 |
| Assets per employee ($millions) | 3.9008% | 4,031 |
| Cash dividends to net income (ytd only)* | 96.4361% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 2,184 |
| Loan loss allowance to noncurrent loans | 90.1213% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.3074% | 845 |
| Noncurrent loans to loans | 1.3846% | 1,065 |
| Net loans and leases to total assets | 79.1249% | 911 |
| Net loans and leases to deposits | 93.4956% | 1,203 |
| Net loans and leases to core deposits | 96.3042% | 1,877 |
| Total domestic deposits to total assets | 84.6295% | 2,633 |
| Equity capital to assets | 9.8588% | 4,050 |
| Core capital (leverage) ratio | 9.9142% | 3,603 |
| Tier 1 risk-based capital ratio | 12.2196% | 4,235 |
| Total risk-based capital ratio | 13.4596% | 4,114 |
| Memoranda: | ||
| Average total assets | $154,414,600 | 3,249 |
| Average earning assets | $138,117,600 | 3,309 |
| Average equity | $15,481,000 | 3,591 |
| Average total loans | $127,594,000 | 2,847 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9337% | 1,721 |
| Cost of funding earning assets | 0.6200% | 3,585 |
| Net interest margin | 4.3137% | 1,140 |
| Noninterest income to average assets | 0.3645% | 3,537 |
| Noninterest expense to average assets | 2.8396% | 2,442 |
| Loan and lease loss provision to assets | 0.7792% | 136 |
| Net operating income to assets | 0.6129% | 4,265 |
| Return on assets (ROA) | 0.6129% | 4,311 |
| Pretax return on assets | 0.6129% | 4,518 |
| Return on Equity (ROE) | 6.0880% | 4,010 |
| Retained earnings to average equity (ytd only) | 0.1548% | 4,737 |
| Net charge-offs to loans | 2.2614% | 48 |
| Credit loss provision to net charge-offs | 41.3793% | 2,849 |
| Earnings coverage of net charge-offs (x) | 0.7393% | 3,344 |
| Efficiency ratio | 67.1031% | 2,569 |
| Assets per employee ($millions) | 3.8780% | 4,056 |
| Cash dividends to net income (ytd only)* | 97.4576% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,331 |
| Loan loss allowance to noncurrent loans | 75.3509% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.4660% | 776 |
| Noncurrent loans to loans | 1.3844% | 1,111 |
| Net loans and leases to total assets | 82.0712% | 559 |
| Net loans and leases to deposits | 97.0173% | 908 |
| Net loans and leases to core deposits | 101.9925% | 1,502 |
| Total domestic deposits to total assets | 84.5944% | 2,587 |
| Equity capital to assets | 9.9014% | 4,116 |
| Core capital (leverage) ratio | 10.0321% | 3,608 |
| Tier 1 risk-based capital ratio | 11.9378% | 4,443 |
| Total risk-based capital ratio | 12.9848% | 4,449 |
| Memoranda: | ||
| Average total assets | $154,010,000 | 3,283 |
| Average earning assets | $138,067,250 | 3,341 |
| Average equity | $15,505,500 | 3,627 |
| Average total loans | $128,237,250 | 2,877 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8882% | 1,785 |
| Cost of funding earning assets | 0.6001% | 3,652 |
| Net interest margin | 4.2880% | 1,171 |
| Noninterest income to average assets | 0.3697% | 3,469 |
| Noninterest expense to average assets | 2.7714% | 2,684 |
| Loan and lease loss provision to assets | 0.7810% | 132 |
| Net operating income to assets | 0.6587% | 4,133 |
| Return on assets (ROA) | 0.6587% | 4,189 |
| Pretax return on assets | 0.6587% | 4,428 |
| Return on Equity (ROE) | 6.5062% | 3,876 |
| Retained earnings to average equity (ytd only) | 0.5915% | 4,540 |
| Net charge-offs to loans | 1.3458% | 90 |
| Credit loss provision to net charge-offs | 69.6056% | 2,321 |
| Earnings coverage of net charge-offs (x) | 1.2831% | 3,032 |
| Efficiency ratio | 65.8114% | 2,833 |
| Assets per employee ($millions) | 4.0258% | 3,833 |
| Cash dividends to net income (ytd only)* | 90.9091% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8601% | 611 |
| Loan loss allowance to noncurrent loans | 51.7924% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 3.3017% | 161 |
| Noncurrent loans to loans | 3.5915% | 227 |
| Net loans and leases to total assets | 81.2174% | 706 |
| Net loans and leases to deposits | 96.4658% | 987 |
| Net loans and leases to core deposits | 100.4284% | 1,685 |
| Total domestic deposits to total assets | 84.1929% | 2,782 |
| Equity capital to assets | 10.2025% | 3,792 |
| Core capital (leverage) ratio | 10.3771% | 3,213 |
| Tier 1 risk-based capital ratio | 12.2871% | 4,244 |
| Total risk-based capital ratio | 13.5443% | 4,112 |
| Memoranda: | ||
| Average total assets | $153,640,330 | 3,307 |
| Average earning assets | $137,638,670 | 3,364 |
| Average equity | $15,554,330 | 3,629 |
| Average total loans | $128,099,670 | 2,894 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8534% | 1,753 |
| Cost of funding earning assets | 0.5922% | 3,615 |
| Net interest margin | 4.2612% | 1,166 |
| Noninterest income to average assets | 0.3871% | 3,275 |
| Noninterest expense to average assets | 2.7538% | 2,727 |
| Loan and lease loss provision to assets | 0.7794% | 130 |
| Net operating income to assets | 0.6677% | 4,031 |
| Return on assets (ROA) | 0.6677% | 4,069 |
| Pretax return on assets | 0.6677% | 4,378 |
| Return on Equity (ROE) | 6.6205% | 3,793 |
| Retained earnings to average equity (ytd only) | 0.6955% | 4,385 |
| Net charge-offs to loans | 2.5581% | 41 |
| Credit loss provision to net charge-offs | 36.4078% | 2,054 |
| Earnings coverage of net charge-offs (x) | 0.6760% | 2,648 |
| Efficiency ratio | 65.5535% | 3,002 |
| Assets per employee ($millions) | 3.7631% | 4,253 |
| Cash dividends to net income (ytd only)* | 89.4942% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 942 |
| Loan loss allowance to noncurrent loans | 47.1503% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 3.2057% | 182 |
| Noncurrent loans to loans | 3.5186% | 258 |
| Net loans and leases to total assets | 80.4107% | 792 |
| Net loans and leases to deposits | 93.5330% | 1,225 |
| Net loans and leases to core deposits | 97.8569% | 1,786 |
| Total domestic deposits to total assets | 85.9704% | 2,292 |
| Equity capital to assets | 10.0799% | 3,741 |
| Core capital (leverage) ratio | 10.0709% | 3,523 |
| Tier 1 risk-based capital ratio | 12.1688% | 4,370 |
| Total risk-based capital ratio | 13.4233% | 4,247 |
| Memoranda: | ||
| Average total assets | $153,969,500 | 3,348 |
| Average earning assets | $137,801,500 | 3,396 |
| Average equity | $15,527,500 | 3,641 |
| Average total loans | $128,848,000 | 2,916 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7881% | 1,573 |
| Cost of funding earning assets | 0.5479% | 3,063 |
| Net interest margin | 4.2401% | 1,300 |
| Noninterest income to average assets | 0.4572% | 3,066 |
| Noninterest expense to average assets | 2.7351% | 2,913 |
| Loan and lease loss provision to assets | 0.8526% | 112 |
| Net operating income to assets | 0.6618% | 4,253 |
| Return on assets (ROA) | 0.6618% | 4,260 |
| Pretax return on assets | 0.6618% | 4,508 |
| Return on Equity (ROE) | 6.7427% | 3,911 |
| Retained earnings to average equity (ytd only) | 0.3732% | 4,886 |
| Net charge-offs to loans | 0.3955% | 472 |
| Credit loss provision to net charge-offs | 262.1359% | 1,146 |
| Earnings coverage of net charge-offs (x) | 4.6563% | 3,269 |
| Efficiency ratio | 64.3632% | 3,133 |
| Assets per employee ($millions) | 3.7476% | 4,253 |
| Cash dividends to net income (ytd only)* | 94.4656% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9895% | 481 |
| Loan loss allowance to noncurrent loans | 39.2825% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 4.4614% | 86 |
| Noncurrent loans to loans | 5.0647% | 105 |
| Net loans and leases to total assets | 83.9057% | 423 |
| Net loans and leases to deposits | 97.5950% | 934 |
| Net loans and leases to core deposits | 102.0283% | 1,576 |
| Total domestic deposits to total assets | 85.9734% | 2,244 |
| Equity capital to assets | 10.0897% | 3,584 |
| Core capital (leverage) ratio | 10.1642% | 3,393 |
| Tier 1 risk-based capital ratio | 11.7653% | 4,584 |
| Total risk-based capital ratio | 13.0241% | 4,458 |
| Memoranda: | ||
| Average total assets | $158,348,400 | 3,303 |
| Average earning assets | $141,623,000 | 3,343 |
| Average equity | $15,542,800 | 3,571 |
| Average total loans | $130,200,400 | 2,873 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 1,361 |
| Cost of funding earning assets | 0.5337% | 2,969 |
| Net interest margin | 4.2920% | 1,127 |
| Noninterest income to average assets | 0.3101% | 4,071 |
| Noninterest expense to average assets | 2.6152% | 3,240 |
| Loan and lease loss provision to assets | 0.7522% | 127 |
| Net operating income to assets | 0.7806% | 3,971 |
| Return on assets (ROA) | 0.7806% | 3,981 |
| Pretax return on assets | 0.7806% | 4,343 |
| Return on Equity (ROE) | 8.0069% | 3,547 |
| Retained earnings to average equity (ytd only) | 1.9203% | 4,603 |
| Net charge-offs to loans | 0.4322% | 369 |
| Credit loss provision to net charge-offs | 213.7767% | 1,316 |
| Earnings coverage of net charge-offs (x) | 4.3563% | 3,071 |
| Efficiency ratio | 63.0465% | 3,327 |
| Assets per employee ($millions) | 3.6993% | 4,310 |
| Cash dividends to net income (ytd only)* | 76.0170% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7145% | 842 |
| Loan loss allowance to noncurrent loans | 37.8917% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 4.0621% | 119 |
| Noncurrent loans to loans | 4.5247% | 164 |
| Net loans and leases to total assets | 85.4580% | 320 |
| Net loans and leases to deposits | 99.6065% | 820 |
| Net loans and leases to core deposits | 103.9465% | 1,456 |
| Total domestic deposits to total assets | 85.7956% | 2,285 |
| Equity capital to assets | 10.3177% | 3,315 |
| Core capital (leverage) ratio | 10.2831% | 3,313 |
| Tier 1 risk-based capital ratio | 11.7670% | 4,622 |
| Total risk-based capital ratio | 13.0225% | 4,515 |
| Memoranda: | ||
| Average total assets | $159,522,750 | 3,312 |
| Average earning assets | $142,649,750 | 3,362 |
| Average equity | $15,552,750 | 3,588 |
| Average total loans | $129,865,750 | 2,902 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 1,571 |
| Cost of funding earning assets | 0.5202% | 2,837 |
| Net interest margin | 4.1545% | 1,398 |
| Noninterest income to average assets | 0.3207% | 4,039 |
| Noninterest expense to average assets | 2.5373% | 3,523 |
| Loan and lease loss provision to assets | 0.7401% | 129 |
| Net operating income to assets | 0.7672% | 3,969 |
| Return on assets (ROA) | 0.7672% | 3,973 |
| Pretax return on assets | 0.7672% | 4,344 |
| Return on Equity (ROE) | 8.0151% | 3,503 |
| Retained earnings to average equity (ytd only) | 1.8298% | 4,510 |
| Net charge-offs to loans | 0.6440% | 228 |
| Credit loss provision to net charge-offs | 144.2308% | 1,614 |
| Earnings coverage of net charge-offs (x) | 2.9375% | 2,931 |
| Efficiency ratio | 62.7325% | 3,530 |
| Assets per employee ($millions) | 3.7339% | 4,308 |
| Cash dividends to net income (ytd only)* | 77.1704% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 1,361 |
| Loan loss allowance to noncurrent loans | 32.5982% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 4.0662% | 132 |
| Noncurrent loans to loans | 4.6376% | 160 |
| Net loans and leases to total assets | 83.6627% | 500 |
| Net loans and leases to deposits | 97.3607% | 1,010 |
| Net loans and leases to core deposits | 101.2826% | 1,627 |
| Total domestic deposits to total assets | 85.9306% | 2,316 |
| Equity capital to assets | 10.1783% | 3,456 |
| Core capital (leverage) ratio | 9.8454% | 3,736 |
| Tier 1 risk-based capital ratio | 11.8557% | 4,583 |
| Total risk-based capital ratio | 13.1097% | 4,466 |
| Memoranda: | ||
| Average total assets | $162,140,000 | 3,296 |
| Average earning assets | $145,338,000 | 3,354 |
| Average equity | $15,520,670 | 3,607 |
| Average total loans | $129,195,670 | 2,917 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 1,760 |
| Cost of funding earning assets | 0.5086% | 2,732 |
| Net interest margin | 4.0256% | 1,639 |
| Noninterest income to average assets | 0.2712% | 4,356 |
| Noninterest expense to average assets | 2.4696% | 3,741 |
| Loan and lease loss provision to assets | 0.7200% | 134 |
| Net operating income to assets | 0.6912% | 4,134 |
| Return on assets (ROA) | 0.6912% | 4,141 |
| Pretax return on assets | 0.6912% | 4,464 |
| Return on Equity (ROE) | 7.4371% | 3,619 |
| Retained earnings to average equity (ytd only) | 0.9813% | 4,635 |
| Net charge-offs to loans | 0.0093% | 2,406 |
| Credit loss provision to net charge-offs | 10,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 343 |
| Efficiency ratio | 63.6364% | 3,539 |
| Assets per employee ($millions) | 4.1114% | 3,784 |
| Cash dividends to net income (ytd only)* | 86.8056% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 975 |
| Loan loss allowance to noncurrent loans | 57.9593% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.2424% | 453 |
| Noncurrent loans to loans | 2.9103% | 419 |
| Net loans and leases to total assets | 71.8838% | 2,191 |
| Net loans and leases to deposits | 88.3746% | 1,887 |
| Net loans and leases to core deposits | 91.9607% | 2,309 |
| Total domestic deposits to total assets | 81.3399% | 4,126 |
| Equity capital to assets | 9.1904% | 4,373 |
| Core capital (leverage) ratio | 9.2839% | 4,344 |
| Tier 1 risk-based capital ratio | 12.0158% | 4,536 |
| Total risk-based capital ratio | 13.2705% | 4,427 |
| Memoranda: | ||
| Average total assets | $166,664,500 | 3,284 |
| Average earning assets | $149,444,000 | 3,337 |
| Average equity | $15,490,000 | 3,645 |
| Average total loans | $128,770,500 | 2,949 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8365% | 910 |
| Cost of funding earning assets | 0.5035% | 2,299 |
| Net interest margin | 4.3330% | 903 |
| Noninterest income to average assets | 0.4713% | 3,179 |
| Noninterest expense to average assets | 2.7381% | 3,004 |
| Loan and lease loss provision to assets | 0.7367% | 165 |
| Net operating income to assets | 0.8369% | 3,003 |
| Return on assets (ROA) | 0.8369% | 3,041 |
| Pretax return on assets | 0.8369% | 4,133 |
| Return on Equity (ROE) | 8.9728% | 2,330 |
| Retained earnings to average equity (ytd only) | 3.6311% | 3,081 |
| Net charge-offs to loans | 1.3683% | 119 |
| Credit loss provision to net charge-offs | 64.1982% | 3,173 |
| Earnings coverage of net charge-offs (x) | 1.3713% | 3,897 |
| Efficiency ratio | 63.5049% | 3,681 |
| Assets per employee ($millions) | 4.0186% | 3,930 |
| Cash dividends to net income (ytd only)* | 59.5325% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 2,082 |
| Loan loss allowance to noncurrent loans | 40.6478% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.7780% | 308 |
| Noncurrent loans to loans | 3.2646% | 320 |
| Net loans and leases to total assets | 80.4238% | 903 |
| Net loans and leases to deposits | 99.3596% | 783 |
| Net loans and leases to core deposits | 103.9686% | 1,416 |
| Total domestic deposits to total assets | 80.9421% | 4,129 |
| Equity capital to assets | 9.4003% | 4,326 |
| Core capital (leverage) ratio | 9.5041% | 4,049 |
| Tier 1 risk-based capital ratio | 11.1604% | 5,058 |
| Total risk-based capital ratio | 12.4106% | 4,935 |
| Memoranda: | ||
| Average total assets | $163,578,000 | 3,305 |
| Average earning assets | $144,979,800 | 3,385 |
| Average equity | $15,257,200 | 3,689 |
| Average total loans | $137,173,800 | 2,820 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 870 |
| Cost of funding earning assets | 0.5013% | 2,249 |
| Net interest margin | 4.3298% | 855 |
| Noninterest income to average assets | 0.3095% | 4,310 |
| Noninterest expense to average assets | 2.6612% | 3,202 |
| Loan and lease loss provision to assets | 0.6043% | 182 |
| Net operating income to assets | 0.8811% | 3,124 |
| Return on assets (ROA) | 0.8811% | 3,169 |
| Pretax return on assets | 0.8811% | 4,100 |
| Return on Equity (ROE) | 9.4650% | 2,368 |
| Retained earnings to average equity (ytd only) | 4.2457% | 3,375 |
| Net charge-offs to loans | 1.6785% | 90 |
| Credit loss provision to net charge-offs | 42.6267% | 2,989 |
| Earnings coverage of net charge-offs (x) | 1.0478% | 3,604 |
| Efficiency ratio | 64.1788% | 3,513 |
| Assets per employee ($millions) | 3.9488% | 4,075 |
| Cash dividends to net income (ytd only)* | 55.1434% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,819 |
| Loan loss allowance to noncurrent loans | 26.4658% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 3.4027% | 242 |
| Noncurrent loans to loans | 3.9478% | 253 |
| Net loans and leases to total assets | 85.2922% | 309 |
| Net loans and leases to deposits | 105.6898% | 429 |
| Net loans and leases to core deposits | 110.3838% | 1,002 |
| Total domestic deposits to total assets | 80.7006% | 4,136 |
| Equity capital to assets | 9.5416% | 4,403 |
| Core capital (leverage) ratio | 9.5021% | 4,167 |
| Tier 1 risk-based capital ratio | 10.8484% | 5,319 |
| Total risk-based capital ratio | 11.8758% | 5,333 |
| Memoranda: | ||
| Average total assets | $163,282,250 | 3,337 |
| Average earning assets | $144,699,000 | 3,414 |
| Average equity | $15,199,500 | 3,729 |
| Average total loans | $137,895,000 | 2,827 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8966% | 699 |
| Cost of funding earning assets | 0.4966% | 2,188 |
| Net interest margin | 4.4000% | 702 |
| Noninterest income to average assets | 0.2699% | 4,614 |
| Noninterest expense to average assets | 2.6163% | 3,383 |
| Loan and lease loss provision to assets | 0.5252% | 215 |
| Net operating income to assets | 1.0138% | 2,360 |
| Return on assets (ROA) | 1.0138% | 2,399 |
| Pretax return on assets | 1.0138% | 3,509 |
| Return on Equity (ROE) | 10.9813% | 1,655 |
| Retained earnings to average equity (ytd only) | 3.7707% | 3,442 |
| Net charge-offs to loans | 0.6131% | 324 |
| Credit loss provision to net charge-offs | 102.1378% | 1,977 |
| Earnings coverage of net charge-offs (x) | 2.9929% | 3,095 |
| Efficiency ratio | 62.9630% | 3,827 |
| Assets per employee ($millions) | 3.9617% | 4,018 |
| Cash dividends to net income (ytd only)* | 65.6627% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7781% | 927 |
| Loan loss allowance to noncurrent loans | 73.4347% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.1203% | 581 |
| Noncurrent loans to loans | 2.4214% | 637 |
| Net loans and leases to total assets | 83.7616% | 474 |
| Net loans and leases to deposits | 103.5356% | 523 |
| Net loans and leases to core deposits | 107.8057% | 1,115 |
| Total domestic deposits to total assets | 80.9013% | 4,204 |
| Equity capital to assets | 9.3794% | 4,538 |
| Core capital (leverage) ratio | 9.5586% | 4,062 |
| Tier 1 risk-based capital ratio | 10.6154% | 5,420 |
| Total risk-based capital ratio | 11.8724% | 5,343 |
| Memoranda: | ||
| Average total assets | $163,742,670 | 3,353 |
| Average earning assets | $144,590,000 | 3,434 |
| Average equity | $15,116,670 | 3,745 |
| Average total loans | $137,344,330 | 2,844 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 735 |
| Cost of funding earning assets | 0.5223% | 1,921 |
| Net interest margin | 4.2830% | 823 |
| Noninterest income to average assets | 0.2360% | 4,852 |
| Noninterest expense to average assets | 2.6010% | 3,501 |
| Loan and lease loss provision to assets | 0.2798% | 511 |
| Net operating income to assets | 1.1460% | 1,688 |
| Return on assets (ROA) | 1.1460% | 1,724 |
| Pretax return on assets | 1.1460% | 2,788 |
| Return on Equity (ROE) | 12.5120% | 1,108 |
| Retained earnings to average equity (ytd only) | 6.2693% | 2,200 |
| Net charge-offs to loans | 0.3393% | 543 |
| Credit loss provision to net charge-offs | 99.1379% | 1,625 |
| Earnings coverage of net charge-offs (x) | 5.0517% | 2,321 |
| Efficiency ratio | 64.5921% | 3,730 |
| Assets per employee ($millions) | 3.9567% | 4,085 |
| Cash dividends to net income (ytd only)* | 49.8938% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 910 |
| Loan loss allowance to noncurrent loans | 75.1072% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 2.0687% | 632 |
| Noncurrent loans to loans | 2.4355% | 653 |
| Net loans and leases to total assets | 81.1515% | 673 |
| Net loans and leases to deposits | 96.6678% | 877 |
| Net loans and leases to core deposits | 100.2734% | 1,487 |
| Total domestic deposits to total assets | 83.9488% | 3,495 |
| Equity capital to assets | 9.3672% | 4,427 |
| Core capital (leverage) ratio | 8.8352% | 4,921 |
| Tier 1 risk-based capital ratio | 11.0293% | 5,292 |
| Total risk-based capital ratio | 12.2872% | 5,194 |
| Memoranda: | ||
| Average total assets | $164,399,000 | 3,376 |
| Average earning assets | $145,505,500 | 3,456 |
| Average equity | $15,057,500 | 3,773 |
| Average total loans | $136,758,000 | 2,868 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0135% | 577 |
| Cost of funding earning assets | 0.4816% | 2,243 |
| Net interest margin | 4.5319% | 580 |
| Noninterest income to average assets | 0.3452% | 4,268 |
| Noninterest expense to average assets | 2.4863% | 4,063 |
| Loan and lease loss provision to assets | 0.7385% | 158 |
| Net operating income to assets | 1.0702% | 2,036 |
| Return on assets (ROA) | 1.0684% | 2,149 |
| Pretax return on assets | 1.0684% | 3,225 |
| Return on Equity (ROE) | 11.8070% | 1,306 |
| Retained earnings to average equity (ytd only) | 5.9035% | 1,763 |
| Net charge-offs to loans | 0.3462% | 789 |
| Credit loss provision to net charge-offs | 254.7771% | 1,131 |
| Earnings coverage of net charge-offs (x) | 6.2399% | 3,210 |
| Efficiency ratio | 57.8879% | 4,865 |
| Assets per employee ($millions) | 3.8738% | 4,185 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7595% | 1,019 |
| Loan loss allowance to noncurrent loans | 97.9242% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.5038% | 1,104 |
| Noncurrent loans to loans | 1.7968% | 1,054 |
| Net loans and leases to total assets | 82.2234% | 574 |
| Net loans and leases to deposits | 104.8184% | 396 |
| Net loans and leases to core deposits | 109.3020% | 943 |
| Total domestic deposits to total assets | 78.4437% | 4,902 |
| Equity capital to assets | 8.9564% | 4,859 |
| Core capital (leverage) ratio | 8.8897% | 4,868 |
| Tier 1 risk-based capital ratio | 10.1838% | 5,687 |
| Total risk-based capital ratio | 11.4397% | 5,635 |
| Memoranda: | ||
| Average total assets | $162,493,400 | 3,369 |
| Average earning assets | $141,617,400 | 3,478 |
| Average equity | $14,703,200 | 3,851 |
| Average total loans | $136,066,800 | 2,827 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 623 |
| Cost of funding earning assets | 0.4724% | 2,343 |
| Net interest margin | 4.5118% | 612 |
| Noninterest income to average assets | 0.2717% | 4,830 |
| Noninterest expense to average assets | 2.3937% | 4,296 |
| Loan and lease loss provision to assets | 0.5739% | 201 |
| Net operating income to assets | 1.2394% | 1,493 |
| Return on assets (ROA) | 1.2419% | 1,586 |
| Pretax return on assets | 1.2419% | 2,645 |
| Return on Equity (ROE) | 13.6886% | 884 |
| Retained earnings to average equity (ytd only) | 8.6373% | 929 |
| Net charge-offs to loans | 0.1479% | 1,514 |
| Credit loss provision to net charge-offs | 463.3333% | 753 |
| Earnings coverage of net charge-offs (x) | 14.6397% | 2,233 |
| Efficiency ratio | 56.8989% | 4,966 |
| Assets per employee ($millions) | 3.8519% | 4,211 |
| Cash dividends to net income (ytd only)* | 36.9016% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 1,399 |
| Loan loss allowance to noncurrent loans | 47.4885% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.8847% | 416 |
| Noncurrent loans to loans | 3.4192% | 383 |
| Net loans and leases to total assets | 82.9977% | 512 |
| Net loans and leases to deposits | 105.9809% | 375 |
| Net loans and leases to core deposits | 109.9593% | 916 |
| Total domestic deposits to total assets | 78.3138% | 4,851 |
| Equity capital to assets | 9.1263% | 5,045 |
| Core capital (leverage) ratio | 9.3594% | 4,379 |
| Tier 1 risk-based capital ratio | 9.9745% | 5,797 |
| Total risk-based capital ratio | 11.2285% | 5,758 |
| Memoranda: | ||
| Average total assets | $161,473,500 | 3,400 |
| Average earning assets | $140,842,750 | 3,508 |
| Average equity | $14,649,250 | 3,889 |
| Average total loans | $135,229,750 | 2,847 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 656 |
| Cost of funding earning assets | 0.4612% | 2,462 |
| Net interest margin | 4.4778% | 646 |
| Noninterest income to average assets | 0.2873% | 4,729 |
| Noninterest expense to average assets | 2.3712% | 4,422 |
| Loan and lease loss provision to assets | 0.5435% | 225 |
| Net operating income to assets | 1.2905% | 1,296 |
| Return on assets (ROA) | 1.2943% | 1,396 |
| Pretax return on assets | 1.2943% | 2,430 |
| Return on Equity (ROE) | 14.2959% | 787 |
| Retained earnings to average equity (ytd only) | 9.1902% | 800 |
| Net charge-offs to loans | 0.0404% | 2,651 |
| Credit loss provision to net charge-offs | 1,611.1111% | 250 |
| Earnings coverage of net charge-offs (x) | 54.3704% | 937 |
| Efficiency ratio | 56.3874% | 5,105 |
| Assets per employee ($millions) | 3.8428% | 4,181 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 1,614 |
| Loan loss allowance to noncurrent loans | 36.9818% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 3.5720% | 292 |
| Noncurrent loans to loans | 4.2471% | 262 |
| Net loans and leases to total assets | 82.7821% | 539 |
| Net loans and leases to deposits | 102.2171% | 547 |
| Net loans and leases to core deposits | 106.3242% | 1,153 |
| Total domestic deposits to total assets | 80.9865% | 4,284 |
| Equity capital to assets | 9.1892% | 5,077 |
| Core capital (leverage) ratio | 9.2063% | 4,586 |
| Tier 1 risk-based capital ratio | 10.0931% | 5,822 |
| Total risk-based capital ratio | 11.3460% | 5,762 |
| Memoranda: | ||
| Average total assets | $160,087,670 | 3,432 |
| Average earning assets | $140,069,670 | 3,538 |
| Average equity | $14,493,670 | 3,930 |
| Average total loans | $133,726,670 | 2,874 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8299% | 798 |
| Cost of funding earning assets | 0.4480% | 2,609 |
| Net interest margin | 4.3819% | 770 |
| Noninterest income to average assets | 0.2910% | 4,643 |
| Noninterest expense to average assets | 2.4211% | 4,310 |
| Loan and lease loss provision to assets | 0.3638% | 406 |
| Net operating income to assets | 1.3347% | 1,170 |
| Return on assets (ROA) | 1.3423% | 1,225 |
| Pretax return on assets | 1.3423% | 2,129 |
| Return on Equity (ROE) | 14.9389% | 677 |
| Retained earnings to average equity (ytd only) | 9.7731% | 902 |
| Net charge-offs to loans | 0.0271% | 2,396 |
| Credit loss provision to net charge-offs | 1,611.1111% | 257 |
| Earnings coverage of net charge-offs (x) | 75.2222% | 663 |
| Efficiency ratio | 58.7698% | 4,906 |
| Assets per employee ($millions) | 3.8009% | 4,297 |
| Cash dividends to net income (ytd only)* | 34.5794% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 2,405 |
| Loan loss allowance to noncurrent loans | 173.3458% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 3,031 |
| Noncurrent loans to loans | 0.8095% | 2,813 |
| Net loans and leases to total assets | 81.8640% | 575 |
| Net loans and leases to deposits | 101.0821% | 558 |
| Net loans and leases to core deposits | 105.6467% | 1,097 |
| Total domestic deposits to total assets | 80.9876% | 4,498 |
| Equity capital to assets | 9.0831% | 5,096 |
| Core capital (leverage) ratio | 9.0884% | 4,748 |
| Tier 1 risk-based capital ratio | 10.7737% | 5,622 |
| Total risk-based capital ratio | 12.0256% | 5,524 |
| Memoranda: | ||
| Average total assets | $159,433,500 | 3,457 |
| Average earning assets | $139,299,000 | 3,569 |
| Average equity | $14,325,000 | 3,964 |
| Average total loans | $132,720,500 | 2,892 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 842 |
| Cost of funding earning assets | 0.4549% | 2,578 |
| Net interest margin | 4.3995% | 794 |
| Noninterest income to average assets | 0.4151% | 3,923 |
| Noninterest expense to average assets | 2.6339% | 3,803 |
| Loan and lease loss provision to assets | 0.3819% | 372 |
| Net operating income to assets | 1.2207% | 1,482 |
| Return on assets (ROA) | 1.2207% | 1,543 |
| Pretax return on assets | 1.2207% | 2,589 |
| Return on Equity (ROE) | 13.4550% | 956 |
| Retained earnings to average equity (ytd only) | 8.1110% | 872 |
| Net charge-offs to loans | 0.1352% | 2,005 |
| Credit loss provision to net charge-offs | 348.4848% | 857 |
| Earnings coverage of net charge-offs (x) | 14.6242% | 2,277 |
| Efficiency ratio | 62.1728% | 4,576 |
| Assets per employee ($millions) | 3.8836% | 4,149 |
| Cash dividends to net income (ytd only)* | 39.7171% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 2,923 |
| Loan loss allowance to noncurrent loans | 783.6364% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 5,025 |
| Noncurrent loans to loans | 0.1655% | 4,825 |
| Net loans and leases to total assets | 82.3788% | 559 |
| Net loans and leases to deposits | 102.6345% | 508 |
| Net loans and leases to core deposits | 107.3518% | 1,016 |
| Total domestic deposits to total assets | 80.2643% | 4,679 |
| Equity capital to assets | 8.8866% | 5,235 |
| Core capital (leverage) ratio | 8.7922% | 5,120 |
| Tier 1 risk-based capital ratio | 10.5921% | 5,735 |
| Total risk-based capital ratio | 11.8429% | 5,654 |
| Memoranda: | ||
| Average total assets | $150,574,400 | 3,563 |
| Average earning assets | $130,787,400 | 3,687 |
| Average equity | $13,660,400 | 4,021 |
| Average total loans | $121,997,600 | 3,020 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 960 |
| Cost of funding earning assets | 0.4482% | 2,707 |
| Net interest margin | 4.3377% | 892 |
| Noninterest income to average assets | 0.2983% | 4,805 |
| Noninterest expense to average assets | 2.4733% | 4,280 |
| Loan and lease loss provision to assets | 0.2605% | 638 |
| Net operating income to assets | 1.3377% | 1,250 |
| Return on assets (ROA) | 1.3377% | 1,296 |
| Pretax return on assets | 1.3377% | 2,255 |
| Return on Equity (ROE) | 14.6645% | 782 |
| Retained earnings to average equity (ytd only) | 9.2971% | 792 |
| Net charge-offs to loans | 0.1375% | 1,753 |
| Credit loss provision to net charge-offs | 235.7724% | 1,188 |
| Earnings coverage of net charge-offs (x) | 14.4630% | 2,250 |
| Efficiency ratio | 60.7458% | 4,783 |
| Assets per employee ($millions) | 4.0054% | 3,866 |
| Cash dividends to net income (ytd only)* | 36.6019% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 3,824 |
| Loan loss allowance to noncurrent loans | 649.5614% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 5,082 |
| Noncurrent loans to loans | 0.1799% | 4,933 |
| Net loans and leases to total assets | 80.1951% | 800 |
| Net loans and leases to deposits | 98.9917% | 729 |
| Net loans and leases to core deposits | 103.9334% | 1,237 |
| Total domestic deposits to total assets | 81.0120% | 4,469 |
| Equity capital to assets | 8.9668% | 5,336 |
| Core capital (leverage) ratio | 9.0427% | 4,946 |
| Tier 1 risk-based capital ratio | 11.0030% | 5,658 |
| Total risk-based capital ratio | 12.1771% | 5,606 |
| Memoranda: | ||
| Average total assets | $148,410,750 | 3,622 |
| Average earning assets | $129,096,500 | 3,752 |
| Average equity | $13,538,000 | 4,088 |
| Average total loans | $119,273,250 | 3,086 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 1,010 |
| Cost of funding earning assets | 0.4473% | 2,762 |
| Net interest margin | 4.2884% | 938 |
| Noninterest income to average assets | 0.3004% | 4,805 |
| Noninterest expense to average assets | 2.4511% | 4,394 |
| Loan and lease loss provision to assets | 0.2263% | 834 |
| Net operating income to assets | 1.3442% | 1,208 |
| Return on assets (ROA) | 1.3442% | 1,251 |
| Pretax return on assets | 1.3442% | 2,196 |
| Return on Equity (ROE) | 14.6469% | 796 |
| Retained earnings to average equity (ytd only) | 9.2664% | 837 |
| Net charge-offs to loans | 0.1284% | 1,731 |
| Credit loss provision to net charge-offs | 220.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 15.2667% | 1,986 |
| Efficiency ratio | 60.9482% | 4,835 |
| Assets per employee ($millions) | 3.9833% | 3,918 |
| Cash dividends to net income (ytd only)* | 36.7347% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 4,057 |
| Loan loss allowance to noncurrent loans | 66.0085% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.6450% | 1,460 |
| Noncurrent loans to loans | 1.7494% | 1,466 |
| Net loans and leases to total assets | 79.3967% | 885 |
| Net loans and leases to deposits | 94.6477% | 1,085 |
| Net loans and leases to core deposits | 98.6756% | 1,595 |
| Total domestic deposits to total assets | 83.8865% | 3,620 |
| Equity capital to assets | 9.0490% | 5,190 |
| Core capital (leverage) ratio | 9.2769% | 4,584 |
| Tier 1 risk-based capital ratio | 11.1700% | 5,632 |
| Total risk-based capital ratio | 12.3269% | 5,595 |
| Memoranda: | ||
| Average total assets | $145,811,330 | 3,696 |
| Average earning assets | $126,526,330 | 3,835 |
| Average equity | $13,381,670 | 4,141 |
| Average total loans | $116,780,000 | 3,143 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 1,126 |
| Cost of funding earning assets | 0.4476% | 2,789 |
| Net interest margin | 4.2014% | 1,053 |
| Noninterest income to average assets | 0.2769% | 4,962 |
| Noninterest expense to average assets | 2.4553% | 4,426 |
| Loan and lease loss provision to assets | 0.2517% | 653 |
| Net operating income to assets | 1.2445% | 1,420 |
| Return on assets (ROA) | 1.2445% | 1,507 |
| Pretax return on assets | 1.2445% | 2,494 |
| Return on Equity (ROE) | 13.4604% | 994 |
| Retained earnings to average equity (ytd only) | 8.0157% | 1,566 |
| Net charge-offs to loans | 0.2588% | 929 |
| Credit loss provision to net charge-offs | 121.6216% | 1,429 |
| Earnings coverage of net charge-offs (x) | 7.2297% | 2,193 |
| Efficiency ratio | 62.1373% | 4,775 |
| Assets per employee ($millions) | 4.1443% | 3,666 |
| Cash dividends to net income (ytd only)* | 40.4494% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 4,253 |
| Loan loss allowance to noncurrent loans | 1,127.1186% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 5,236 |
| Noncurrent loans to loans | 0.1022% | 5,388 |
| Net loans and leases to total assets | 78.7101% | 838 |
| Net loans and leases to deposits | 87.3901% | 1,681 |
| Net loans and leases to core deposits | 91.4120% | 1,994 |
| Total domestic deposits to total assets | 90.0676% | 715 |
| Equity capital to assets | 9.2127% | 5,070 |
| Core capital (leverage) ratio | 8.9990% | 4,955 |
| Tier 1 risk-based capital ratio | 11.1422% | 5,743 |
| Total risk-based capital ratio | 12.2608% | 5,736 |
| Memoranda: | ||
| Average total assets | $143,035,000 | 3,756 |
| Average earning assets | $125,102,000 | 3,891 |
| Average equity | $13,224,000 | 4,201 |
| Average total loans | $114,379,000 | 3,190 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3822% | 2,281 |
| Cost of funding earning assets | 0.4787% | 2,891 |
| Net interest margin | 3.9035% | 2,229 |
| Noninterest income to average assets | 0.4191% | 4,042 |
| Noninterest expense to average assets | 2.4779% | 4,617 |
| Loan and lease loss provision to assets | 0.2206% | 1,113 |
| Net operating income to assets | 1.1380% | 1,825 |
| Return on assets (ROA) | 1.1380% | 1,891 |
| Pretax return on assets | 1.1380% | 2,938 |
| Return on Equity (ROE) | 13.1907% | 1,092 |
| Retained earnings to average equity (ytd only) | 7.4382% | 1,219 |
| Net charge-offs to loans | 0.1782% | 2,245 |
| Credit loss provision to net charge-offs | 178.7709% | 1,357 |
| Earnings coverage of net charge-offs (x) | 11.0112% | 2,558 |
| Efficiency ratio | 64.5886% | 4,486 |
| Assets per employee ($millions) | 4.0291% | 3,885 |
| Cash dividends to net income (ytd only)* | 43.6099% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 4,226 |
| Loan loss allowance to noncurrent loans | 876.0000% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 5,612 |
| Noncurrent loans to loans | 0.1324% | 5,365 |
| Net loans and leases to total assets | 79.3824% | 825 |
| Net loans and leases to deposits | 87.9490% | 1,741 |
| Net loans and leases to core deposits | 92.3646% | 2,052 |
| Total domestic deposits to total assets | 90.2595% | 625 |
| Equity capital to assets | 9.2788% | 4,970 |
| Core capital (leverage) ratio | 9.1024% | 4,824 |
| Tier 1 risk-based capital ratio | 11.0374% | 5,892 |
| Total risk-based capital ratio | 12.1588% | 5,875 |
| Memoranda: | ||
| Average total assets | $145,080,800 | 3,706 |
| Average earning assets | $127,013,400 | 3,823 |
| Average equity | $12,516,400 | 4,272 |
| Average total loans | $100,421,400 | 3,415 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 3,086 |
| Cost of funding earning assets | 0.4774% | 2,983 |
| Net interest margin | 3.6935% | 3,048 |
| Noninterest income to average assets | 0.2729% | 5,259 |
| Noninterest expense to average assets | 2.3381% | 5,005 |
| Loan and lease loss provision to assets | 0.1460% | 1,713 |
| Net operating income to assets | 1.0367% | 2,296 |
| Return on assets (ROA) | 1.0367% | 2,354 |
| Pretax return on assets | 1.0367% | 3,441 |
| Return on Equity (ROE) | 12.2402% | 1,419 |
| Retained earnings to average equity (ytd only) | 6.4218% | 2,155 |
| Net charge-offs to loans | 0.1701% | 2,095 |
| Credit loss provision to net charge-offs | 129.0323% | 1,786 |
| Earnings coverage of net charge-offs (x) | 10.4516% | 2,540 |
| Efficiency ratio | 66.4075% | 4,153 |
| Assets per employee ($millions) | 4.0752% | 3,719 |
| Cash dividends to net income (ytd only)* | 47.5350% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 4,463 |
| Loan loss allowance to noncurrent loans | 103.3333% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 3,321 |
| Noncurrent loans to loans | 1.1199% | 2,820 |
| Net loans and leases to total assets | 72.3966% | 1,782 |
| Net loans and leases to deposits | 79.8139% | 2,716 |
| Net loans and leases to core deposits | 83.2487% | 2,968 |
| Total domestic deposits to total assets | 90.7068% | 451 |
| Equity capital to assets | 8.9069% | 5,453 |
| Core capital (leverage) ratio | 8.7109% | 5,422 |
| Tier 1 risk-based capital ratio | 11.5925% | 5,745 |
| Total risk-based capital ratio | 12.7006% | 5,750 |
| Memoranda: | ||
| Average total assets | $146,096,000 | 3,726 |
| Average earning assets | $128,473,000 | 3,823 |
| Average equity | $12,374,250 | 4,314 |
| Average total loans | $97,212,000 | 3,509 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 3,578 |
| Cost of funding earning assets | 0.4735% | 3,081 |
| Net interest margin | 3.5692% | 3,489 |
| Noninterest income to average assets | 0.2716% | 5,260 |
| Noninterest expense to average assets | 2.2940% | 5,167 |
| Loan and lease loss provision to assets | 0.1426% | 1,739 |
| Net operating income to assets | 0.9779% | 2,420 |
| Return on assets (ROA) | 0.9779% | 2,496 |
| Pretax return on assets | 0.9779% | 3,568 |
| Return on Equity (ROE) | 11.7414% | 1,502 |
| Retained earnings to average equity (ytd only) | 5.8707% | 2,403 |
| Net charge-offs to loans | 0.0907% | 2,774 |
| Credit loss provision to net charge-offs | 244.1860% | 1,007 |
| Earnings coverage of net charge-offs (x) | 19.1860% | 1,639 |
| Efficiency ratio | 67.1838% | 4,163 |
| Assets per employee ($millions) | 4.2176% | 3,428 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 4,017 |
| Loan loss allowance to noncurrent loans | 198.8728% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 4,677 |
| Noncurrent loans to loans | 0.6394% | 4,106 |
| Net loans and leases to total assets | 64.9548% | 2,915 |
| Net loans and leases to deposits | 71.3113% | 3,670 |
| Net loans and leases to core deposits | 74.4670% | 3,790 |
| Total domestic deposits to total assets | 91.0863% | 388 |
| Equity capital to assets | 8.4747% | 5,821 |
| Core capital (leverage) ratio | 8.2291% | 5,906 |
| Tier 1 risk-based capital ratio | 12.2213% | 5,407 |
| Total risk-based capital ratio | 13.4472% | 5,340 |
| Memoranda: | ||
| Average total assets | $147,251,000 | 3,723 |
| Average earning assets | $129,664,000 | 3,815 |
| Average equity | $12,264,330 | 4,346 |
| Average total loans | $94,793,000 | 3,567 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 3,712 |
| Cost of funding earning assets | 0.4783% | 3,133 |
| Net interest margin | 3.5148% | 3,626 |
| Noninterest income to average assets | 0.2801% | 5,125 |
| Noninterest expense to average assets | 2.2574% | 5,311 |
| Loan and lease loss provision to assets | 0.1632% | 1,490 |
| Net operating income to assets | 0.9574% | 2,371 |
| Return on assets (ROA) | 0.9574% | 2,443 |
| Pretax return on assets | 0.9574% | 3,485 |
| Return on Equity (ROE) | 11.5966% | 1,519 |
| Retained earnings to average equity (ytd only) | 5.6665% | 2,709 |
| Net charge-offs to loans | 0.1623% | 1,745 |
| Credit loss provision to net charge-offs | 157.8947% | 1,212 |
| Earnings coverage of net charge-offs (x) | 10.8421% | 1,826 |
| Efficiency ratio | 66.8277% | 4,391 |
| Assets per employee ($millions) | 4.4242% | 3,102 |
| Cash dividends to net income (ytd only)* | 51.1364% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 4,017 |
| Loan loss allowance to noncurrent loans | 374.6082% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 5,236 |
| Noncurrent loans to loans | 0.3520% | 5,061 |
| Net loans and leases to total assets | 57.7586% | 3,886 |
| Net loans and leases to deposits | 62.9734% | 4,435 |
| Net loans and leases to core deposits | 65.4715% | 4,554 |
| Total domestic deposits to total assets | 91.7190% | 324 |
| Equity capital to assets | 7.8961% | 6,126 |
| Core capital (leverage) ratio | 8.0449% | 6,088 |
| Tier 1 risk-based capital ratio | 12.8424% | 5,098 |
| Total risk-based capital ratio | 14.0892% | 5,045 |
| Memoranda: | ||
| Average total assets | $147,069,000 | 3,750 |
| Average earning assets | $129,621,500 | 3,846 |
| Average equity | $12,141,500 | 4,396 |
| Average total loans | $93,630,500 | 3,618 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 2,902 |
| Cost of funding earning assets | 0.5650% | 2,974 |
| Net interest margin | 3.7489% | 2,854 |
| Noninterest income to average assets | 0.4235% | 4,277 |
| Noninterest expense to average assets | 2.3729% | 5,152 |
| Loan and lease loss provision to assets | 0.1666% | 2,195 |
| Net operating income to assets | 1.1853% | 1,620 |
| Return on assets (ROA) | 1.1853% | 1,690 |
| Pretax return on assets | 1.1853% | 2,638 |
| Return on Equity (ROE) | 13.8773% | 978 |
| Retained earnings to average equity (ytd only) | 8.1565% | 1,006 |
| Net charge-offs to loans | 0.1020% | 3,810 |
| Credit loss provision to net charge-offs | 247.2527% | 926 |
| Earnings coverage of net charge-offs (x) | 20.0659% | 1,570 |
| Efficiency ratio | 63.7050% | 4,956 |
| Assets per employee ($millions) | 4.0968% | 3,663 |
| Cash dividends to net income (ytd only)* | 41.2242% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 4,584 |
| Loan loss allowance to noncurrent loans | 180.7396% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 4,630 |
| Noncurrent loans to loans | 0.6716% | 4,298 |
| Net loans and leases to total assets | 68.5297% | 2,255 |
| Net loans and leases to deposits | 75.4567% | 3,035 |
| Net loans and leases to core deposits | 79.1429% | 3,225 |
| Total domestic deposits to total assets | 90.8199% | 651 |
| Equity capital to assets | 8.6553% | 5,416 |
| Core capital (leverage) ratio | 8.8999% | 5,141 |
| Tier 1 risk-based capital ratio | 11.4799% | 5,916 |
| Total risk-based capital ratio | 12.6020% | 5,924 |
| Memoranda: | ||
| Average total assets | $135,068,400 | 3,980 |
| Average earning assets | $118,940,800 | 4,065 |
| Average equity | $11,536,800 | 4,540 |
| Average total loans | $89,204,800 | 3,704 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2569% | 3,169 |
| Cost of funding earning assets | 0.5767% | 3,029 |
| Net interest margin | 3.6802% | 3,102 |
| Noninterest income to average assets | 0.3572% | 4,838 |
| Noninterest expense to average assets | 2.3589% | 5,157 |
| Loan and lease loss provision to assets | 0.1592% | 2,269 |
| Net operating income to assets | 1.0834% | 2,073 |
| Return on assets (ROA) | 1.0834% | 2,151 |
| Pretax return on assets | 1.0834% | 3,176 |
| Return on Equity (ROE) | 12.7287% | 1,307 |
| Retained earnings to average equity (ytd only) | 7.1183% | 1,823 |
| Net charge-offs to loans | 0.1221% | 3,321 |
| Credit loss provision to net charge-offs | 200.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 15.6131% | 1,851 |
| Efficiency ratio | 65.4972% | 4,577 |
| Assets per employee ($millions) | 4.1273% | 3,588 |
| Cash dividends to net income (ytd only)* | 44.0770% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 4,856 |
| Loan loss allowance to noncurrent loans | 177.0570% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 4,798 |
| Noncurrent loans to loans | 0.6784% | 4,505 |
| Net loans and leases to total assets | 69.6923% | 2,018 |
| Net loans and leases to deposits | 76.8493% | 2,838 |
| Net loans and leases to core deposits | 80.6965% | 3,046 |
| Total domestic deposits to total assets | 90.6869% | 663 |
| Equity capital to assets | 8.8535% | 5,357 |
| Core capital (leverage) ratio | 8.7790% | 5,441 |
| Tier 1 risk-based capital ratio | 11.9884% | 5,784 |
| Total risk-based capital ratio | 13.1330% | 5,793 |
| Memoranda: | ||
| Average total assets | $134,013,000 | 4,032 |
| Average earning assets | $118,141,250 | 4,124 |
| Average equity | $11,407,000 | 4,607 |
| Average total loans | $87,349,000 | 3,778 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 3,539 |
| Cost of funding earning assets | 0.5851% | 3,084 |
| Net interest margin | 3.5645% | 3,502 |
| Noninterest income to average assets | 0.3772% | 4,690 |
| Noninterest expense to average assets | 2.3348% | 5,261 |
| Loan and lease loss provision to assets | 0.1782% | 2,129 |
| Net operating income to assets | 1.0129% | 2,277 |
| Return on assets (ROA) | 1.0129% | 2,405 |
| Pretax return on assets | 1.0129% | 3,449 |
| Return on Equity (ROE) | 12.0583% | 1,475 |
| Retained earnings to average equity (ytd only) | 6.7541% | 2,002 |
| Net charge-offs to loans | 0.0913% | 3,447 |
| Credit loss provision to net charge-offs | 307.6923% | 836 |
| Earnings coverage of net charge-offs (x) | 20.5641% | 1,456 |
| Efficiency ratio | 66.2174% | 4,509 |
| Assets per employee ($millions) | 4.2451% | 3,259 |
| Cash dividends to net income (ytd only)* | 43.9883% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 4,550 |
| Loan loss allowance to noncurrent loans | 202.5316% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 5,078 |
| Noncurrent loans to loans | 0.6379% | 4,664 |
| Net loans and leases to total assets | 62.9951% | 3,103 |
| Net loans and leases to deposits | 69.0996% | 3,845 |
| Net loans and leases to core deposits | 72.5845% | 3,976 |
| Total domestic deposits to total assets | 91.1656% | 488 |
| Equity capital to assets | 8.4170% | 5,855 |
| Core capital (leverage) ratio | 8.3210% | 5,861 |
| Tier 1 risk-based capital ratio | 12.6494% | 5,393 |
| Total risk-based capital ratio | 13.8821% | 5,347 |
| Memoranda: | ||
| Average total assets | $134,660,000 | 4,053 |
| Average earning assets | $118,949,330 | 4,141 |
| Average equity | $11,311,670 | 4,660 |
| Average total loans | $85,411,000 | 3,841 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 3,429 |
| Cost of funding earning assets | 0.6047% | 3,072 |
| Net interest margin | 3.5635% | 3,418 |
| Noninterest income to average assets | 0.3968% | 4,479 |
| Noninterest expense to average assets | 2.3331% | 5,328 |
| Loan and lease loss provision to assets | 0.1790% | 2,074 |
| Net operating income to assets | 1.0144% | 2,166 |
| Return on assets (ROA) | 1.0144% | 2,283 |
| Pretax return on assets | 1.0144% | 3,283 |
| Return on Equity (ROE) | 12.0884% | 1,395 |
| Retained earnings to average equity (ytd only) | 5.6886% | 2,848 |
| Net charge-offs to loans | 0.0425% | 3,436 |
| Credit loss provision to net charge-offs | 666.6667% | 415 |
| Earnings coverage of net charge-offs (x) | 44.4444% | 732 |
| Efficiency ratio | 66.1591% | 4,637 |
| Assets per employee ($millions) | 4.2109% | 3,517 |
| Cash dividends to net income (ytd only)* | 52.9412% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 4,637 |
| Loan loss allowance to noncurrent loans | 217.5649% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 5,241 |
| Noncurrent loans to loans | 0.6030% | 4,936 |
| Net loans and leases to total assets | 59.0091% | 3,606 |
| Net loans and leases to deposits | 64.5270% | 4,253 |
| Net loans and leases to core deposits | 67.7398% | 4,340 |
| Total domestic deposits to total assets | 91.4486% | 368 |
| Equity capital to assets | 8.1642% | 6,283 |
| Core capital (leverage) ratio | 8.1093% | 6,035 |
| Tier 1 risk-based capital ratio | 11.4134% | 6,233 |
| Total risk-based capital ratio | 12.5223% | 6,257 |
| Memoranda: | ||
| Average total assets | $134,068,000 | 4,101 |
| Average earning assets | $117,751,000 | 4,201 |
| Average equity | $11,250,500 | 4,726 |
| Average total loans | $84,769,000 | 3,875 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5676% | 3,134 |
| Cost of funding earning assets | 0.7673% | 2,943 |
| Net interest margin | 3.8003% | 3,224 |
| Noninterest income to average assets | 0.7061% | 2,691 |
| Noninterest expense to average assets | 2.4238% | 5,346 |
| Loan and lease loss provision to assets | 0.3534% | 1,890 |
| Net operating income to assets | 1.2598% | 1,423 |
| Return on assets (ROA) | 1.2621% | 1,573 |
| Pretax return on assets | 1.2621% | 2,558 |
| Return on Equity (ROE) | 14.8275% | 841 |
| Retained earnings to average equity (ytd only) | 8.5009% | 963 |
| Net charge-offs to loans | 0.2514% | 3,432 |
| Credit loss provision to net charge-offs | 219.3069% | 1,147 |
| Earnings coverage of net charge-offs (x) | 10.0099% | 2,194 |
| Efficiency ratio | 60.0395% | 5,533 |
| Assets per employee ($millions) | 4.1670% | 3,620 |
| Cash dividends to net income (ytd only)* | 42.6675% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 5,104 |
| Loan loss allowance to noncurrent loans | 277.0667% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 5,427 |
| Noncurrent loans to loans | 0.4338% | 5,412 |
| Net loans and leases to total assets | 66.1191% | 2,509 |
| Net loans and leases to deposits | 72.9271% | 3,261 |
| Net loans and leases to core deposits | 77.0779% | 3,391 |
| Total domestic deposits to total assets | 90.6647% | 626 |
| Equity capital to assets | 8.6363% | 5,922 |
| Core capital (leverage) ratio | 8.7746% | 5,219 |
| Tier 1 risk-based capital ratio | 11.1742% | 6,280 |
| Total risk-based capital ratio | 12.2242% | 6,320 |
| Memoranda: | ||
| Average total assets | $125,342,000 | 4,240 |
| Average earning assets | $109,861,000 | 4,342 |
| Average equity | $10,669,400 | 4,822 |
| Average total loans | $80,336,200 | 4,032 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 3,452 |
| Cost of funding earning assets | 0.7992% | 2,947 |
| Net interest margin | 3.7440% | 3,585 |
| Noninterest income to average assets | 0.5467% | 3,629 |
| Noninterest expense to average assets | 2.4033% | 5,390 |
| Loan and lease loss provision to assets | 0.3034% | 2,178 |
| Net operating income to assets | 1.1341% | 1,973 |
| Return on assets (ROA) | 1.1341% | 2,166 |
| Pretax return on assets | 1.1341% | 3,212 |
| Return on Equity (ROE) | 13.3738% | 1,251 |
| Retained earnings to average equity (ytd only) | 7.2431% | 1,982 |
| Net charge-offs to loans | 0.2047% | 3,506 |
| Credit loss provision to net charge-offs | 233.8843% | 1,184 |
| Earnings coverage of net charge-offs (x) | 11.0826% | 2,114 |
| Efficiency ratio | 62.5733% | 5,061 |
| Assets per employee ($millions) | 4.0892% | 3,702 |
| Cash dividends to net income (ytd only)* | 45.8412% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 5,504 |
| Loan loss allowance to noncurrent loans | 192.2311% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 5,325 |
| Noncurrent loans to loans | 0.5996% | 5,240 |
| Net loans and leases to total assets | 65.2862% | 2,784 |
| Net loans and leases to deposits | 71.8035% | 3,641 |
| Net loans and leases to core deposits | 75.7196% | 3,760 |
| Total domestic deposits to total assets | 90.9234% | 436 |
| Equity capital to assets | 8.5678% | 6,204 |
| Core capital (leverage) ratio | 8.5223% | 5,718 |
| Tier 1 risk-based capital ratio | 11.0650% | 6,451 |
| Total risk-based capital ratio | 12.0559% | 6,537 |
| Memoranda: | ||
| Average total assets | $124,383,500 | 4,303 |
| Average earning assets | $109,433,500 | 4,406 |
| Average equity | $10,547,750 | 4,904 |
| Average total loans | $78,808,000 | 4,116 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 3,872 |
| Cost of funding earning assets | 0.8315% | 2,935 |
| Net interest margin | 3.6436% | 4,066 |
| Noninterest income to average assets | 0.6263% | 3,090 |
| Noninterest expense to average assets | 2.4258% | 5,365 |
| Loan and lease loss provision to assets | 0.3641% | 1,814 |
| Net operating income to assets | 1.0486% | 2,253 |
| Return on assets (ROA) | 1.0486% | 2,485 |
| Pretax return on assets | 1.0486% | 3,526 |
| Return on Equity (ROE) | 12.4098% | 1,532 |
| Retained earnings to average equity (ytd only) | 6.5688% | 2,346 |
| Net charge-offs to loans | 0.1348% | 3,851 |
| Credit loss provision to net charge-offs | 432.6923% | 684 |
| Earnings coverage of net charge-offs (x) | 16.7885% | 1,569 |
| Efficiency ratio | 63.1956% | 5,051 |
| Assets per employee ($millions) | 4.0897% | 3,684 |
| Cash dividends to net income (ytd only)* | 47.0679% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 5,183 |
| Loan loss allowance to noncurrent loans | 135.9331% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 5,212 |
| Noncurrent loans to loans | 0.9089% | 4,682 |
| Net loans and leases to total assets | 61.5400% | 3,523 |
| Net loans and leases to deposits | 67.5097% | 4,285 |
| Net loans and leases to core deposits | 71.1332% | 4,398 |
| Total domestic deposits to total assets | 91.1572% | 402 |
| Equity capital to assets | 8.3861% | 6,310 |
| Core capital (leverage) ratio | 8.2967% | 5,912 |
| Tier 1 risk-based capital ratio | 11.2741% | 6,352 |
| Total risk-based capital ratio | 12.3173% | 6,436 |
| Memoranda: | ||
| Average total assets | $123,589,670 | 4,340 |
| Average earning assets | $108,957,330 | 4,436 |
| Average equity | $10,443,330 | 4,926 |
| Average total loans | $77,169,000 | 4,178 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 4,018 |
| Cost of funding earning assets | 0.8755% | 2,864 |
| Net interest margin | 3.5985% | 4,281 |
| Noninterest income to average assets | 0.4853% | 4,019 |
| Noninterest expense to average assets | 2.4919% | 5,174 |
| Loan and lease loss provision to assets | 0.2131% | 2,822 |
| Net operating income to assets | 0.9607% | 2,636 |
| Return on assets (ROA) | 0.9607% | 2,837 |
| Pretax return on assets | 0.9607% | 3,826 |
| Return on Equity (ROE) | 11.3248% | 1,897 |
| Retained earnings to average equity (ytd only) | 6.4934% | 2,689 |
| Net charge-offs to loans | 0.0210% | 4,395 |
| Credit loss provision to net charge-offs | 1,625.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 379 |
| Efficiency ratio | 67.9785% | 4,173 |
| Assets per employee ($millions) | 4.3104% | 3,372 |
| Cash dividends to net income (ytd only)* | 42.6621% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 5,633 |
| Loan loss allowance to noncurrent loans | 138.0192% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 5,477 |
| Noncurrent loans to loans | 0.8484% | 4,980 |
| Net loans and leases to total assets | 56.3888% | 4,315 |
| Net loans and leases to deposits | 61.7327% | 4,957 |
| Net loans and leases to core deposits | 65.5879% | 4,963 |
| Total domestic deposits to total assets | 91.3435% | 426 |
| Equity capital to assets | 8.0819% | 6,458 |
| Core capital (leverage) ratio | 8.2295% | 5,980 |
| Tier 1 risk-based capital ratio | 11.6230% | 6,204 |
| Total risk-based capital ratio | 12.5912% | 6,348 |
| Memoranda: | ||
| Average total assets | $121,994,000 | 4,409 |
| Average earning assets | $107,822,500 | 4,491 |
| Average equity | $10,349,000 | 4,958 |
| Average total loans | $76,255,000 | 4,233 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 3,565 |
| Cost of funding earning assets | 1.0609% | 2,949 |
| Net interest margin | 3.7936% | 3,852 |
| Noninterest income to average assets | 0.5653% | 3,390 |
| Noninterest expense to average assets | 2.6406% | 4,958 |
| Loan and lease loss provision to assets | 0.3116% | 3,178 |
| Net operating income to assets | 0.9366% | 2,460 |
| Return on assets (ROA) | 0.9392% | 2,575 |
| Pretax return on assets | 0.9392% | 3,471 |
| Return on Equity (ROE) | 11.4901% | 1,562 |
| Retained earnings to average equity (ytd only) | 5.5000% | 2,300 |
| Net charge-offs to loans | 0.1988% | 4,548 |
| Credit loss provision to net charge-offs | 236.4865% | 1,031 |
| Earnings coverage of net charge-offs (x) | 9.4730% | 1,975 |
| Efficiency ratio | 67.9029% | 4,383 |
| Assets per employee ($millions) | 3.8225% | 4,263 |
| Cash dividends to net income (ytd only)* | 52.1327% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 6,121 |
| Loan loss allowance to noncurrent loans | 136.7973% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 5,461 |
| Noncurrent loans to loans | 0.7456% | 5,207 |
| Net loans and leases to total assets | 67.9529% | 2,403 |
| Net loans and leases to deposits | 75.1882% | 3,314 |
| Net loans and leases to core deposits | 80.5376% | 3,383 |
| Total domestic deposits to total assets | 90.3772% | 774 |
| Equity capital to assets | 8.9357% | 5,626 |
| Core capital (leverage) ratio | 8.9128% | 4,910 |
| Tier 1 risk-based capital ratio | 11.2815% | 6,301 |
| Total risk-based capital ratio | 12.1693% | 6,477 |
| Memoranda: | ||
| Average total assets | $112,323,800 | 4,586 |
| Average earning assets | $98,402,600 | 4,675 |
| Average equity | $9,181,800 | 5,232 |
| Average total loans | $74,430,000 | 4,333 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7921% | 4,049 |
| Cost of funding earning assets | 1.0887% | 3,053 |
| Net interest margin | 3.7034% | 4,315 |
| Noninterest income to average assets | 0.4260% | 4,470 |
| Noninterest expense to average assets | 2.6097% | 5,037 |
| Loan and lease loss provision to assets | 0.0955% | 5,269 |
| Net operating income to assets | 0.9642% | 2,460 |
| Return on assets (ROA) | 0.9642% | 2,632 |
| Pretax return on assets | 0.9642% | 3,544 |
| Return on Equity (ROE) | 12.0836% | 1,530 |
| Retained earnings to average equity (ytd only) | 6.1016% | 2,500 |
| Net charge-offs to loans | 0.1018% | 4,976 |
| Credit loss provision to net charge-offs | 142.8571% | 2,224 |
| Earnings coverage of net charge-offs (x) | 15.8582% | 1,434 |
| Efficiency ratio | 71.1220% | 3,716 |
| Assets per employee ($millions) | 3.8080% | 4,290 |
| Cash dividends to net income (ytd only)* | 49.5048% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 6,808 |
| Loan loss allowance to noncurrent loans | 67.9348% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 5,078 |
| Noncurrent loans to loans | 1.1920% | 4,552 |
| Net loans and leases to total assets | 67.0151% | 2,675 |
| Net loans and leases to deposits | 73.4976% | 3,723 |
| Net loans and leases to core deposits | 78.5347% | 3,822 |
| Total domestic deposits to total assets | 91.1800% | 385 |
| Equity capital to assets | 8.0348% | 6,677 |
| Core capital (leverage) ratio | 7.9434% | 6,445 |
| Tier 1 risk-based capital ratio | 10.2149% | 6,888 |
| Total risk-based capital ratio | 10.9159% | 7,025 |
| Memoranda: | ||
| Average total assets | $111,736,000 | 4,626 |
| Average earning assets | $97,853,000 | 4,724 |
| Average equity | $8,915,500 | 5,333 |
| Average total loans | $73,355,500 | 4,405 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 4,197 |
| Cost of funding earning assets | 1.1332% | 3,021 |
| Net interest margin | 3.6414% | 4,555 |
| Noninterest income to average assets | 0.3426% | 5,138 |
| Noninterest expense to average assets | 2.5717% | 5,286 |
| Loan and lease loss provision to assets | 0.0631% | 5,512 |
| Net operating income to assets | 0.8837% | 2,720 |
| Return on assets (ROA) | 0.8837% | 2,820 |
| Pretax return on assets | 0.8837% | 3,693 |
| Return on Equity (ROE) | 11.1015% | 1,767 |
| Retained earnings to average equity (ytd only) | 4.8710% | 3,075 |
| Net charge-offs to loans | 0.0666% | 4,972 |
| Credit loss provision to net charge-offs | 145.8333% | 2,097 |
| Earnings coverage of net charge-offs (x) | 21.8750% | 1,137 |
| Efficiency ratio | 73.0907% | 3,524 |
| Assets per employee ($millions) | 3.8148% | 4,165 |
| Cash dividends to net income (ytd only)* | 56.1224% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 6,765 |
| Loan loss allowance to noncurrent loans | 102.0000% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 5,830 |
| Noncurrent loans to loans | 0.8356% | 5,258 |
| Net loans and leases to total assets | 62.2098% | 3,848 |
| Net loans and leases to deposits | 67.9922% | 4,708 |
| Net loans and leases to core deposits | 72.9452% | 4,711 |
| Total domestic deposits to total assets | 91.4955% | 342 |
| Equity capital to assets | 7.8536% | 6,770 |
| Core capital (leverage) ratio | 7.7884% | 6,522 |
| Tier 1 risk-based capital ratio | 10.4272% | 6,813 |
| Total risk-based capital ratio | 11.1431% | 7,010 |
| Memoranda: | ||
| Average total assets | $110,901,330 | 4,682 |
| Average earning assets | $96,720,670 | 4,792 |
| Average equity | $8,827,670 | 5,369 |
| Average total loans | $72,079,670 | 4,498 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7440% | 4,316 |
| Cost of funding earning assets | 1.1996% | 2,819 |
| Net interest margin | 3.5443% | 4,832 |
| Noninterest income to average assets | 0.2932% | 5,574 |
| Noninterest expense to average assets | 2.6024% | 5,215 |
| Loan and lease loss provision to assets | 0.0550% | 5,317 |
| Net operating income to assets | 0.7331% | 3,358 |
| Return on assets (ROA) | 0.7331% | 3,424 |
| Pretax return on assets | 0.7331% | 4,176 |
| Return on Equity (ROE) | 9.1455% | 2,410 |
| Retained earnings to average equity (ytd only) | 3.4296% | 4,130 |
| Net charge-offs to loans | 0.0055% | 5,050 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 143 |
| Efficiency ratio | 76.7568% | 3,022 |
| Assets per employee ($millions) | 3.9275% | 3,995 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 6,684 |
| Loan loss allowance to noncurrent loans | 112.2263% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 5,925 |
| Noncurrent loans to loans | 0.8062% | 5,418 |
| Net loans and leases to total assets | 59.1368% | 4,438 |
| Net loans and leases to deposits | 64.6060% | 5,174 |
| Net loans and leases to core deposits | 69.2027% | 5,143 |
| Total domestic deposits to total assets | 91.5345% | 407 |
| Equity capital to assets | 7.7035% | 6,743 |
| Core capital (leverage) ratio | 7.5979% | 6,657 |
| Tier 1 risk-based capital ratio | 10.6775% | 6,705 |
| Total risk-based capital ratio | 11.4259% | 6,941 |
| Memoranda: | ||
| Average total assets | $109,129,500 | 4,759 |
| Average earning assets | $95,363,500 | 4,869 |
| Average equity | $8,747,500 | 5,396 |
| Average total loans | $72,215,500 | 4,539 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5668% | 2,021 |
| Cost of funding earning assets | 1.5832% | 2,172 |
| Net interest margin | 3.9836% | 3,087 |
| Noninterest income to average assets | 0.6165% | 3,367 |
| Noninterest expense to average assets | 2.7772% | 4,686 |
| Loan and lease loss provision to assets | 0.1939% | 5,295 |
| Net operating income to assets | 0.9804% | 2,104 |
| Return on assets (ROA) | 0.9884% | 2,186 |
| Pretax return on assets | 0.9884% | 2,969 |
| Return on Equity (ROE) | 11.8715% | 1,338 |
| Retained earnings to average equity (ytd only) | 8.8857% | 738 |
| Net charge-offs to loans | 0.2381% | 4,859 |
| Credit loss provision to net charge-offs | 116.0714% | 3,710 |
| Earnings coverage of net charge-offs (x) | 7.0298% | 2,218 |
| Efficiency ratio | 70.2818% | 4,119 |
| Assets per employee ($millions) | 3.5987% | 4,712 |
| Cash dividends to net income (ytd only)* | 25.1509% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 6,998 |
| Loan loss allowance to noncurrent loans | 125.9958% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 6,012 |
| Noncurrent loans to loans | 0.6238% | 5,805 |
| Net loans and leases to total assets | 72.6893% | 1,948 |
| Net loans and leases to deposits | 79.9654% | 3,184 |
| Net loans and leases to core deposits | 86.8828% | 3,202 |
| Total domestic deposits to total assets | 90.9009% | 647 |
| Equity capital to assets | 8.3565% | 6,064 |
| Core capital (leverage) ratio | 8.2691% | 5,726 |
| Tier 1 risk-based capital ratio | 9.9335% | 7,008 |
| Total risk-based capital ratio | 10.6198% | 7,171 |
| Memoranda: | ||
| Average total assets | $100,568,600 | 4,972 |
| Average earning assets | $84,195,400 | 5,208 |
| Average equity | $8,373,000 | 5,594 |
| Average total loans | $70,563,000 | 4,665 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6292% | 1,951 |
| Cost of funding earning assets | 1.6532% | 2,087 |
| Net interest margin | 3.9761% | 3,205 |
| Noninterest income to average assets | 0.3948% | 5,004 |
| Noninterest expense to average assets | 2.7076% | 4,850 |
| Loan and lease loss provision to assets | 0.2021% | 5,029 |
| Net operating income to assets | 0.7749% | 3,115 |
| Return on assets (ROA) | 0.7856% | 3,227 |
| Pretax return on assets | 0.7856% | 3,965 |
| Return on Equity (ROE) | 9.4455% | 2,336 |
| Retained earnings to average equity (ytd only) | 7.4340% | 1,624 |
| Net charge-offs to loans | 0.3126% | 4,087 |
| Credit loss provision to net charge-offs | 93.2099% | 4,652 |
| Earnings coverage of net charge-offs (x) | 4.5063% | 3,023 |
| Efficiency ratio | 73.4835% | 3,417 |
| Assets per employee ($millions) | 3.6158% | 4,697 |
| Cash dividends to net income (ytd only)* | 21.2943% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 6,969 |
| Loan loss allowance to noncurrent loans | 150.1333% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 6,408 |
| Noncurrent loans to loans | 0.5439% | 6,115 |
| Net loans and leases to total assets | 65.2183% | 3,861 |
| Net loans and leases to deposits | 72.0588% | 4,833 |
| Net loans and leases to core deposits | 78.3893% | 4,757 |
| Total domestic deposits to total assets | 90.5071% | 636 |
| Equity capital to assets | 8.1244% | 6,694 |
| Core capital (leverage) ratio | 8.2369% | 5,980 |
| Tier 1 risk-based capital ratio | 10.0655% | 7,028 |
| Total risk-based capital ratio | 10.7388% | 7,258 |
| Memoranda: | ||
| Average total assets | $99,620,250 | 5,064 |
| Average earning assets | $82,424,500 | 5,328 |
| Average equity | $8,286,000 | 5,695 |
| Average total loans | $69,088,500 | 4,791 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6523% | 1,928 |
| Cost of funding earning assets | 1.7250% | 1,992 |
| Net interest margin | 3.9273% | 3,329 |
| Noninterest income to average assets | 0.3739% | 5,139 |
| Noninterest expense to average assets | 2.7259% | 4,806 |
| Loan and lease loss provision to assets | 0.2779% | 4,175 |
| Net operating income to assets | 0.5987% | 3,886 |
| Return on assets (ROA) | 0.5987% | 4,022 |
| Pretax return on assets | 0.5987% | 4,566 |
| Return on Equity (ROE) | 7.1391% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.1391% | 1,775 |
| Net charge-offs to loans | 0.4368% | 3,239 |
| Credit loss provision to net charge-offs | 90.0662% | 4,422 |
| Earnings coverage of net charge-offs (x) | 2.8411% | 3,564 |
| Efficiency ratio | 75.6665% | 3,127 |
| Assets per employee ($millions) | 3.4782% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 7,015 |
| Loan loss allowance to noncurrent loans | 215.8301% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5046% | 6,195 |
| Noncurrent loans to loans | 0.3744% | 6,492 |
| Net loans and leases to total assets | 68.0262% | 3,357 |
| Net loans and leases to deposits | 74.8519% | 4,537 |
| Net loans and leases to core deposits | 80.0457% | 4,692 |
| Total domestic deposits to total assets | 90.8811% | 535 |
| Equity capital to assets | 8.2792% | 6,450 |
| Core capital (leverage) ratio | 8.1603% | 6,019 |
| Tier 1 risk-based capital ratio | 10.1913% | 6,921 |
| Total risk-based capital ratio | 10.8844% | 7,206 |
| Memoranda: | ||
| Average total assets | $97,874,670 | 5,141 |
| Average earning assets | $80,463,000 | 5,420 |
| Average equity | $8,208,330 | 5,728 |
| Average total loans | $69,135,000 | 4,818 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7283% | 1,673 |
| Cost of funding earning assets | 1.8308% | 1,746 |
| Net interest margin | 3.8975% | 3,340 |
| Noninterest income to average assets | 0.3943% | 4,958 |
| Noninterest expense to average assets | 2.7475% | 4,698 |
| Loan and lease loss provision to assets | 0.0623% | 6,019 |
| Net operating income to assets | 0.7388% | 3,267 |
| Return on assets (ROA) | 0.7388% | 3,368 |
| Pretax return on assets | 0.7388% | 4,094 |
| Return on Equity (ROE) | 8.7502% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.7502% | 1,467 |
| Net charge-offs to loans | -0.0058% | 6,823 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4269% | 2,991 |
| Assets per employee ($millions) | 3.4159% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 6,934 |
| Loan loss allowance to noncurrent loans | 95.3150% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 5,894 |
| Noncurrent loans to loans | 0.9102% | 5,494 |
| Net loans and leases to total assets | 68.0530% | 3,374 |
| Net loans and leases to deposits | 74.7956% | 4,622 |
| Net loans and leases to core deposits | 79.4311% | 4,841 |
| Total domestic deposits to total assets | 90.9854% | 553 |
| Equity capital to assets | 8.2939% | 6,308 |
| Core capital (leverage) ratio | 8.3329% | 5,682 |
| Tier 1 risk-based capital ratio | 10.2255% | 6,870 |
| Total risk-based capital ratio | 10.9673% | 7,193 |
| Memoranda: | ||
| Average total assets | $96,378,500 | 5,246 |
| Average earning assets | $77,999,000 | 5,571 |
| Average equity | $8,137,000 | 5,797 |
| Average total loans | $69,115,000 | 4,893 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2923% | 1,044 |
| Cost of funding earning assets | 2.2551% | 1,819 |
| Net interest margin | 4.0372% | 2,708 |
| Noninterest income to average assets | 0.7506% | 2,675 |
| Noninterest expense to average assets | 2.9373% | 4,400 |
| Loan and lease loss provision to assets | 0.1261% | 6,378 |
| Net operating income to assets | 1.0624% | 1,618 |
| Return on assets (ROA) | 1.0647% | 1,655 |
| Pretax return on assets | 1.0647% | 2,358 |
| Return on Equity (ROE) | 12.0828% | 1,142 |
| Retained earnings to average equity (ytd only) | 2.3281% | 3,490 |
| Net charge-offs to loans | 0.1293% | 5,902 |
| Credit loss provision to net charge-offs | 127.9070% | 4,041 |
| Earnings coverage of net charge-offs (x) | 12.0581% | 1,538 |
| Efficiency ratio | 71.1944% | 4,413 |
| Assets per employee ($millions) | 3.2309% | 5,650 |
| Cash dividends to net income (ytd only)* | 80.7320% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 7,078 |
| Loan loss allowance to noncurrent loans | 365.6051% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 6,985 |
| Noncurrent loans to loans | 0.2236% | 6,871 |
| Net loans and leases to total assets | 74.3383% | 2,185 |
| Net loans and leases to deposits | 82.5036% | 3,545 |
| Net loans and leases to core deposits | 111.1746% | 2,777 |
| Total domestic deposits to total assets | 90.1031% | 914 |
| Equity capital to assets | 8.6002% | 5,727 |
| Core capital (leverage) ratio | 8.6988% | 4,924 |
| Tier 1 risk-based capital ratio | 10.8937% | 6,016 |
| Total risk-based capital ratio | 11.6797% | 6,441 |
| Memoranda: | ||
| Average total assets | $87,257,800 | 5,479 |
| Average earning assets | $72,946,400 | 5,723 |
| Average equity | $7,688,600 | 6,025 |
| Average total loans | $66,508,800 | 5,002 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2716% | 1,195 |
| Cost of funding earning assets | 2.3151% | 1,928 |
| Net interest margin | 3.9564% | 3,007 |
| Noninterest income to average assets | 0.4779% | 4,688 |
| Noninterest expense to average assets | 2.9329% | 4,301 |
| Loan and lease loss provision to assets | 0.0156% | 7,184 |
| Net operating income to assets | 0.8655% | 2,555 |
| Return on assets (ROA) | 0.8686% | 2,612 |
| Pretax return on assets | 0.8686% | 3,326 |
| Return on Equity (ROE) | 9.7940% | 2,000 |
| Retained earnings to average equity (ytd only) | -3.3700% | 6,001 |
| Net charge-offs to loans | 0.0346% | 6,409 |
| Credit loss provision to net charge-offs | 58.8235% | 6,191 |
| Earnings coverage of net charge-offs (x) | 33.2885% | 865 |
| Efficiency ratio | 76.8980% | 3,341 |
| Assets per employee ($millions) | 3.1068% | 5,891 |
| Cash dividends to net income (ytd only)* | 134.4095% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 7,098 |
| Loan loss allowance to noncurrent loans | 137.8173% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 6,303 |
| Noncurrent loans to loans | 0.5845% | 6,143 |
| Net loans and leases to total assets | 74.2156% | 2,467 |
| Net loans and leases to deposits | 82.1298% | 3,999 |
| Net loans and leases to core deposits | 111.5474% | 3,063 |
| Total domestic deposits to total assets | 90.3637% | 635 |
| Equity capital to assets | 8.5341% | 6,208 |
| Core capital (leverage) ratio | 8.6942% | 5,136 |
| Tier 1 risk-based capital ratio | 9.8051% | 7,134 |
| Total risk-based capital ratio | 10.5070% | 7,501 |
| Memoranda: | ||
| Average total assets | $85,648,250 | 5,560 |
| Average earning assets | $72,218,250 | 5,779 |
| Average equity | $7,596,250 | 6,114 |
| Average total loans | $65,579,500 | 5,080 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3145% | 1,171 |
| Cost of funding earning assets | 2.3644% | 2,107 |
| Net interest margin | 3.9500% | 2,887 |
| Noninterest income to average assets | 0.4895% | 4,538 |
| Noninterest expense to average assets | 2.8800% | 4,580 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9600% | 2,245 |
| Return on assets (ROA) | 0.9648% | 2,330 |
| Pretax return on assets | 0.9648% | 3,131 |
| Return on Equity (ROE) | 10.7332% | 1,775 |
| Retained earnings to average equity (ytd only) | -9.0941% | 6,778 |
| Net charge-offs to loans | 0.0554% | 5,714 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 22.4444% | 1,220 |
| Efficiency ratio | 75.0000% | 3,873 |
| Assets per employee ($millions) | 3.2193% | 5,540 |
| Cash dividends to net income (ytd only)* | 184.7291% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 7,069 |
| Loan loss allowance to noncurrent loans | 156.4706% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 6,211 |
| Noncurrent loans to loans | 0.5269% | 6,218 |
| Net loans and leases to total assets | 73.6258% | 2,807 |
| Net loans and leases to deposits | 81.7091% | 4,271 |
| Net loans and leases to core deposits | 110.8576% | 3,283 |
| Total domestic deposits to total assets | 90.1072% | 784 |
| Equity capital to assets | 8.6100% | 5,883 |
| Core capital (leverage) ratio | 8.6739% | 5,138 |
| Tier 1 risk-based capital ratio | 10.0070% | 6,912 |
| Total risk-based capital ratio | 10.7232% | 7,369 |
| Memoranda: | ||
| Average total assets | $84,165,330 | 5,645 |
| Average earning assets | $71,391,670 | 5,840 |
| Average equity | $7,565,330 | 6,159 |
| Average total loans | $64,969,670 | 5,140 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3377% | 1,196 |
| Cost of funding earning assets | 2.3773% | 2,387 |
| Net interest margin | 3.9603% | 2,814 |
| Noninterest income to average assets | 0.4880% | 4,426 |
| Noninterest expense to average assets | 3.0005% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9084% | 2,668 |
| Return on assets (ROA) | 0.9084% | 2,816 |
| Pretax return on assets | 0.9084% | 3,685 |
| Return on Equity (ROE) | 9.8869% | 2,366 |
| Retained earnings to average equity (ytd only) | -29.5556% | 7,852 |
| Net charge-offs to loans | -0.0061% | 7,205 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7614% | 3,363 |
| Assets per employee ($millions) | 3.1113% | 5,864 |
| Cash dividends to net income (ytd only)* | 398.9362% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 6,969 |
| Loan loss allowance to noncurrent loans | 127.8422% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5916% | 5,703 |
| Noncurrent loans to loans | 0.6648% | 5,743 |
| Net loans and leases to total assets | 76.5172% | 2,155 |
| Net loans and leases to deposits | 85.3220% | 3,752 |
| Net loans and leases to core deposits | 114.3409% | 2,977 |
| Total domestic deposits to total assets | 89.6805% | 943 |
| Equity capital to assets | 8.7149% | 5,745 |
| Core capital (leverage) ratio | 8.5048% | 5,526 |
| Tier 1 risk-based capital ratio | 9.7849% | 7,159 |
| Total risk-based capital ratio | 10.5322% | 7,576 |
| Memoranda: | ||
| Average total assets | $82,787,000 | 5,713 |
| Average earning assets | $71,509,000 | 5,863 |
| Average equity | $7,606,000 | 6,185 |
| Average total loans | $65,190,000 | 5,161 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7737% | 1,773 |
| Cost of funding earning assets | 2.8082% | 2,673 |
| Net interest margin | 3.9655% | 3,285 |
| Noninterest income to average assets | 0.9789% | 1,653 |
| Noninterest expense to average assets | 3.1966% | 3,351 |
| Loan and lease loss provision to assets | 0.0849% | 6,324 |
| Net operating income to assets | 1.1487% | 1,949 |
| Return on assets (ROA) | 1.1500% | 1,868 |
| Pretax return on assets | 1.1500% | 2,834 |
| Return on Equity (ROE) | 12.0534% | 1,574 |
| Retained earnings to average equity (ytd only) | 1.9415% | 4,022 |
| Net charge-offs to loans | 0.1027% | 5,283 |
| Credit loss provision to net charge-offs | 108.1967% | 4,967 |
| Earnings coverage of net charge-offs (x) | 15.7213% | 1,912 |
| Efficiency ratio | 72.1545% | 3,907 |
| Assets per employee ($millions) | 3.0210% | 6,013 |
| Cash dividends to net income (ytd only)* | 83.8926% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 6,941 |
| Loan loss allowance to noncurrent loans | 174.6032% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 5,822 |
| Noncurrent loans to loans | 0.4805% | 5,906 |
| Net loans and leases to total assets | 79.6881% | 1,726 |
| Net loans and leases to deposits | 91.5261% | 3,213 |
| Net loans and leases to core deposits | 127.9528% | 2,001 |
| Total domestic deposits to total assets | 87.0660% | 1,908 |
| Equity capital to assets | 9.6741% | 4,461 |
| Core capital (leverage) ratio | 9.7473% | 3,715 |
| Tier 1 risk-based capital ratio | 10.4535% | 6,258 |
| Total risk-based capital ratio | 11.1928% | 6,694 |
| Memoranda: | ||
| Average total assets | $77,739,400 | 5,776 |
| Average earning assets | $67,659,200 | 5,906 |
| Average equity | $7,417,000 | 6,305 |
| Average total loans | $59,384,800 | 5,297 |