Home > The Lyon County State Bank > Performance and Condition Ratios
The Lyon County 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 | 4.0059% | 3,960 |
| Cost of funding earning assets | 0.8274% | 3,667 |
| Net interest margin | 3.1785% | 2,926 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 2.6828% | 1,783 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.0270% | 2,125 |
| Return on assets (ROA) | 1.0321% | 2,092 |
| Pretax return on assets | 1.0790% | 2,472 |
| Return on Equity (ROE) | 20.2200% | 596 |
| Retained earnings to average equity (ytd only) | 9.7822% | 1,068 |
| Net charge-offs to loans | 0.1610% | 651 |
| Credit loss provision to net charge-offs | 191.7160% | 1,254 |
| Earnings coverage of net charge-offs (x) | 13.8402% | 2,097 |
| Efficiency ratio | 68.2804% | 2,077 |
| Assets per employee ($millions) | 6.1845% | 2,660 |
| Cash dividends to net income (ytd only)* | 51.6262% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 1,527 |
| Loan loss allowance to noncurrent loans | 77,700.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,853 |
| Noncurrent loans to loans | 0.0018% | 3,791 |
| Net loans and leases to total assets | 58.5200% | 2,988 |
| Net loans and leases to deposits | 67.8159% | 3,048 |
| Net loans and leases to core deposits | 71.4628% | 3,224 |
| Total domestic deposits to total assets | 86.3000% | 1,914 |
| Equity capital to assets | 5.6609% | 4,307 |
| Core capital (leverage) ratio | 7.8422% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5987% | 976 |
| Memoranda: | ||
| Average total assets | $187,673,800 | 3,072 |
| Average earning assets | $179,959,800 | 3,007 |
| Average equity | $9,578,600 | 3,766 |
| Average total loans | $104,983,600 | 3,124 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 4,002 |
| Cost of funding earning assets | 0.7391% | 3,677 |
| Net interest margin | 3.1559% | 3,015 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 2.6850% | 1,711 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.0174% | 2,313 |
| Return on assets (ROA) | 1.0243% | 2,276 |
| Pretax return on assets | 1.0707% | 2,651 |
| Return on Equity (ROE) | 20.6500% | 660 |
| Retained earnings to average equity (ytd only) | 20.6474% | 237 |
| Net charge-offs to loans | 0.2075% | 425 |
| Credit loss provision to net charge-offs | 140.6250% | 1,359 |
| Earnings coverage of net charge-offs (x) | 10.7125% | 2,112 |
| Efficiency ratio | 68.6826% | 1,939 |
| Assets per employee ($millions) | 6.1988% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 1,643 |
| Loan loss allowance to noncurrent loans | 48,800.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 3,869 |
| Noncurrent loans to loans | 0.0028% | 3,801 |
| Net loans and leases to total assets | 57.4200% | 3,083 |
| Net loans and leases to deposits | 65.9754% | 3,127 |
| Net loans and leases to core deposits | 68.0545% | 3,319 |
| Total domestic deposits to total assets | 87.0300% | 1,887 |
| Equity capital to assets | 4.6095% | 4,318 |
| Core capital (leverage) ratio | 8.3611% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8058% | 838 |
| Memoranda: | ||
| Average total assets | $186,662,500 | 3,084 |
| Average earning assets | $178,963,500 | 3,026 |
| Average equity | $9,260,000 | 3,793 |
| Average total loans | $102,791,500 | 3,146 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 3,976 |
| Cost of funding earning assets | 0.6649% | 3,590 |
| Net interest margin | 3.1704% | 3,059 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.6293% | 1,854 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.0940% | 2,141 |
| Return on assets (ROA) | 1.1033% | 2,107 |
| Pretax return on assets | 1.1525% | 2,499 |
| Return on Equity (ROE) | 21.7300% | 561 |
| Retained earnings to average equity (ytd only) | 21.7297% | 194 |
| Net charge-offs to loans | 0.3070% | 273 |
| Credit loss provision to net charge-offs | 96.7742% | 1,473 |
| Earnings coverage of net charge-offs (x) | 7.8581% | 2,069 |
| Efficiency ratio | 66.8571% | 2,122 |
| Assets per employee ($millions) | 5.8091% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 1,742 |
| Loan loss allowance to noncurrent loans | 46,500.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 3,893 |
| Noncurrent loans to loans | 0.0029% | 3,810 |
| Net loans and leases to total assets | 55.1400% | 3,180 |
| Net loans and leases to deposits | 63.8643% | 3,199 |
| Net loans and leases to core deposits | 65.3972% | 3,384 |
| Total domestic deposits to total assets | 86.3400% | 2,135 |
| Equity capital to assets | 5.3397% | 4,320 |
| Core capital (leverage) ratio | 8.0841% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6510% | 861 |
| Memoranda: | ||
| Average total assets | $186,895,333 | 3,089 |
| Average earning assets | $179,284,333 | 3,036 |
| Average equity | $9,489,333 | 3,800 |
| Average total loans | $100,976,667 | 3,169 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 3,873 |
| Cost of funding earning assets | 0.6138% | 3,337 |
| Net interest margin | 3.1756% | 3,173 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.6425% | 1,832 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.1384% | 2,102 |
| Return on assets (ROA) | 1.1548% | 2,019 |
| Pretax return on assets | 1.2039% | 2,415 |
| Return on Equity (ROE) | 23.3400% | 488 |
| Retained earnings to average equity (ytd only) | 23.3416% | 228 |
| Net charge-offs to loans | 0.6029% | 136 |
| Credit loss provision to net charge-offs | 50.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 4.2067% | 1,858 |
| Efficiency ratio | 66.2386% | 2,183 |
| Assets per employee ($millions) | 5.9613% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,111 |
| Loan loss allowance to noncurrent loans | 44,133.3333% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 3,913 |
| Noncurrent loans to loans | 0.0029% | 3,837 |
| Net loans and leases to total assets | 53.3300% | 3,252 |
| Net loans and leases to deposits | 61.4886% | 3,262 |
| Net loans and leases to core deposits | 62.6388% | 3,411 |
| Total domestic deposits to total assets | 86.7300% | 2,361 |
| Equity capital to assets | 5.1839% | 4,389 |
| Core capital (leverage) ratio | 7.7611% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1068% | 982 |
| Memoranda: | ||
| Average total assets | $187,397,000 | 3,123 |
| Average earning assets | $179,873,500 | 3,066 |
| Average equity | $9,271,000 | 3,862 |
| Average total loans | $99,518,000 | 3,217 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2672% | 3,670 |
| Cost of funding earning assets | 0.2900% | 2,962 |
| Net interest margin | 2.9772% | 3,505 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.8412% | 1,238 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.7858% | 3,374 |
| Return on assets (ROA) | 0.7874% | 3,301 |
| Pretax return on assets | 0.8200% | 3,575 |
| Return on Equity (ROE) | 13.8100% | 1,572 |
| Retained earnings to average equity (ytd only) | -0.7266% | 4,422 |
| Net charge-offs to loans | 0.0230% | 1,602 |
| Credit loss provision to net charge-offs | 942.1053% | 450 |
| Earnings coverage of net charge-offs (x) | 87.3684% | 1,038 |
| Efficiency ratio | 75.5954% | 1,060 |
| Assets per employee ($millions) | 5.7510% | 2,989 |
| Cash dividends to net income (ytd only)* | 105.2632% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,401 |
| Loan loss allowance to noncurrent loans | 638.3333% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 2,860 |
| Noncurrent loans to loans | 0.1875% | 2,549 |
| Net loans and leases to total assets | 51.5300% | 3,391 |
| Net loans and leases to deposits | 57.4337% | 3,493 |
| Net loans and leases to core deposits | 57.9691% | 3,618 |
| Total domestic deposits to total assets | 89.7200% | 1,475 |
| Equity capital to assets | 4.7019% | 4,434 |
| Core capital (leverage) ratio | 7.7574% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3806% | 913 |
| Memoranda: | ||
| Average total assets | $180,979,000 | 3,181 |
| Average earning assets | $173,819,800 | 3,114 |
| Average equity | $10,322,000 | 3,832 |
| Average total loans | $82,727,600 | 3,376 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1506% | 3,554 |
| Cost of funding earning assets | 0.2410% | 2,808 |
| Net interest margin | 2.9096% | 3,473 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.6701% | 1,533 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.9059% | 2,845 |
| Return on assets (ROA) | 0.8974% | 2,854 |
| Pretax return on assets | 0.9359% | 3,221 |
| Return on Equity (ROE) | 15.0600% | 1,158 |
| Retained earnings to average equity (ytd only) | -3.5632% | 4,557 |
| Net charge-offs to loans | 0.0151% | 1,563 |
| Credit loss provision to net charge-offs | 1,288.8889% | 336 |
| Earnings coverage of net charge-offs (x) | 154.7778% | 733 |
| Efficiency ratio | 72.1511% | 1,494 |
| Assets per employee ($millions) | 5.5249% | 3,189 |
| Cash dividends to net income (ytd only)* | 123.6603% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,357 |
| Loan loss allowance to noncurrent loans | 608.8889% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 2,965 |
| Noncurrent loans to loans | 0.2026% | 2,590 |
| Net loans and leases to total assets | 48.1300% | 3,619 |
| Net loans and leases to deposits | 53.1115% | 3,658 |
| Net loans and leases to core deposits | 53.5900% | 3,770 |
| Total domestic deposits to total assets | 90.6100% | 1,401 |
| Equity capital to assets | 3.7165% | 4,511 |
| Core capital (leverage) ratio | 7.7928% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2910% | 818 |
| Memoranda: | ||
| Average total assets | $180,215,750 | 3,209 |
| Average earning assets | $173,169,250 | 3,144 |
| Average equity | $10,739,250 | 3,833 |
| Average total loans | $79,415,500 | 3,432 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1097% | 3,279 |
| Cost of funding earning assets | 0.1820% | 3,155 |
| Net interest margin | 2.9277% | 3,096 |
| Noninterest income to average assets | 0.9503% | 749 |
| Noninterest expense to average assets | 2.6761% | 1,446 |
| Loan and lease loss provision to assets | 0.0869% | 1,135 |
| Net operating income to assets | 0.9605% | 2,311 |
| Return on assets (ROA) | 0.9637% | 2,270 |
| Pretax return on assets | 1.0038% | 2,717 |
| Return on Equity (ROE) | 14.3445% | 1,031 |
| Retained earnings to average equity (ytd only) | -10.5304% | 4,668 |
| Net charge-offs to loans | 0.0210% | 1,313 |
| Credit loss provision to net charge-offs | 975.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 729 |
| Efficiency ratio | 71.1072% | 1,817 |
| Assets per employee ($millions) | 5.4309% | 3,290 |
| Cash dividends to net income (ytd only)* | 173.4104% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,423 |
| Loan loss allowance to noncurrent loans | 2,941.6667% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 3,806 |
| Noncurrent loans to loans | 0.0425% | 3,626 |
| Net loans and leases to total assets | 46.6658% | 3,667 |
| Net loans and leases to deposits | 50.8009% | 3,764 |
| Net loans and leases to core deposits | 51.2589% | 3,858 |
| Total domestic deposits to total assets | 91.8602% | 899 |
| Equity capital to assets | 5.0581% | 4,462 |
| Core capital (leverage) ratio | 7.7994% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6898% | 755 |
| Memoranda: | ||
| Average total assets | $179,513,333 | 3,249 |
| Average earning assets | $172,492,333 | 3,193 |
| Average equity | $12,060,333 | 3,778 |
| Average total loans | $76,273,667 | 3,512 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0128% | 3,217 |
| Cost of funding earning assets | 0.1712% | 3,201 |
| Net interest margin | 2.8415% | 3,007 |
| Noninterest income to average assets | 1.0397% | 633 |
| Noninterest expense to average assets | 2.6940% | 1,384 |
| Loan and lease loss provision to assets | 0.0868% | 958 |
| Net operating income to assets | 0.9582% | 2,038 |
| Return on assets (ROA) | 0.9863% | 1,933 |
| Pretax return on assets | 1.0219% | 2,374 |
| Return on Equity (ROE) | 13.0698% | 1,015 |
| Retained earnings to average equity (ytd only) | -31.1845% | 4,751 |
| Net charge-offs to loans | 0.0167% | 1,200 |
| Credit loss provision to net charge-offs | 1,300.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 161.6667% | 507 |
| Efficiency ratio | 71.3864% | 2,058 |
| Assets per employee ($millions) | 5.6596% | 3,165 |
| Cash dividends to net income (ytd only)* | 338.6005% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 1,835 |
| Loan loss allowance to noncurrent loans | 5,694.4444% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,968 |
| Noncurrent loans to loans | 0.0249% | 3,815 |
| Net loans and leases to total assets | 39.3254% | 4,052 |
| Net loans and leases to deposits | 41.9315% | 4,162 |
| Net loans and leases to core deposits | 42.2968% | 4,230 |
| Total domestic deposits to total assets | 93.7849% | 132 |
| Equity capital to assets | 6.0224% | 4,579 |
| Core capital (leverage) ratio | 7.6552% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8226% | 664 |
| Memoranda: | ||
| Average total assets | $179,660,500 | 3,261 |
| Average earning assets | $172,864,000 | 3,201 |
| Average equity | $13,558,000 | 3,698 |
| Average total loans | $72,064,000 | 3,587 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2279% | 3,411 |
| Cost of funding earning assets | 0.1754% | 3,708 |
| Net interest margin | 3.0525% | 3,044 |
| Noninterest income to average assets | 0.7865% | 1,483 |
| Noninterest expense to average assets | 2.6893% | 1,661 |
| Loan and lease loss provision to assets | 0.1156% | 1,087 |
| Net operating income to assets | 0.8729% | 3,127 |
| Return on assets (ROA) | 0.9682% | 2,864 |
| Pretax return on assets | 1.0103% | 3,236 |
| Return on Equity (ROE) | 10.3222% | 2,406 |
| Retained earnings to average equity (ytd only) | 1.3516% | 4,161 |
| Net charge-offs to loans | 0.0140% | 2,042 |
| Credit loss provision to net charge-offs | 2,060.0000% | 307 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 572 |
| Efficiency ratio | 72.3732% | 1,469 |
| Assets per employee ($millions) | 5.5692% | 3,194 |
| Cash dividends to net income (ytd only)* | 86.9061% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 2,020 |
| Loan loss allowance to noncurrent loans | 4,300.0000% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 4,014 |
| Noncurrent loans to loans | 0.0320% | 3,843 |
| Net loans and leases to total assets | 39.7797% | 4,104 |
| Net loans and leases to deposits | 43.8922% | 4,186 |
| Net loans and leases to core deposits | 44.2009% | 4,260 |
| Total domestic deposits to total assets | 90.6304% | 655 |
| Equity capital to assets | 9.0952% | 3,518 |
| Core capital (leverage) ratio | 8.2929% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2805% | 536 |
| Memoranda: | ||
| Average total assets | $178,265,000 | 3,222 |
| Average earning assets | $171,071,200 | 3,175 |
| Average equity | $16,721,200 | 3,485 |
| Average total loans | $71,393,000 | 3,619 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3399% | 3,280 |
| Cost of funding earning assets | 0.1763% | 3,857 |
| Net interest margin | 3.1636% | 2,848 |
| Noninterest income to average assets | 0.7441% | 1,687 |
| Noninterest expense to average assets | 2.6542% | 1,695 |
| Loan and lease loss provision to assets | 0.0561% | 1,864 |
| Net operating income to assets | 1.0223% | 2,827 |
| Return on assets (ROA) | 1.1457% | 2,447 |
| Pretax return on assets | 1.1951% | 2,949 |
| Return on Equity (ROE) | 12.1229% | 2,004 |
| Retained earnings to average equity (ytd only) | 0.2532% | 4,527 |
| Net charge-offs to loans | 0.0094% | 1,969 |
| Credit loss provision to net charge-offs | 1,500.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 300.2000% | 436 |
| Efficiency ratio | 70.2772% | 1,574 |
| Assets per employee ($millions) | 5.8595% | 2,827 |
| Cash dividends to net income (ytd only)* | 97.9112% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,925 |
| Loan loss allowance to noncurrent loans | 7,191.6667% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,212 |
| Noncurrent loans to loans | 0.0169% | 4,078 |
| Net loans and leases to total assets | 38.6635% | 4,270 |
| Net loans and leases to deposits | 42.6730% | 4,357 |
| Net loans and leases to core deposits | 42.9667% | 4,413 |
| Total domestic deposits to total assets | 90.6041% | 506 |
| Equity capital to assets | 9.1013% | 3,743 |
| Core capital (leverage) ratio | 8.3069% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8874% | 610 |
| Memoranda: | ||
| Average total assets | $178,277,750 | 3,258 |
| Average earning assets | $170,897,500 | 3,205 |
| Average equity | $16,849,250 | 3,522 |
| Average total loans | $71,270,750 | 3,680 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2725% | 3,501 |
| Cost of funding earning assets | 0.1779% | 3,969 |
| Net interest margin | 3.0946% | 3,050 |
| Noninterest income to average assets | 0.7959% | 1,548 |
| Noninterest expense to average assets | 2.6271% | 1,783 |
| Loan and lease loss provision to assets | 0.0564% | 1,903 |
| Net operating income to assets | 1.0340% | 2,778 |
| Return on assets (ROA) | 1.2215% | 2,181 |
| Pretax return on assets | 1.2735% | 2,700 |
| Return on Equity (ROE) | 12.7632% | 1,804 |
| Retained earnings to average equity (ytd only) | -4.9307% | 4,789 |
| Net charge-offs to loans | 0.0028% | 2,093 |
| Credit loss provision to net charge-offs | 5,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 1,005.0000% | 125 |
| Efficiency ratio | 69.8379% | 1,663 |
| Assets per employee ($millions) | 5.5077% | 3,116 |
| Cash dividends to net income (ytd only)* | 138.6322% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,254 |
| Loan loss allowance to noncurrent loans | 6,476.9231% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 4,263 |
| Noncurrent loans to loans | 0.0176% | 4,134 |
| Net loans and leases to total assets | 41.5128% | 4,211 |
| Net loans and leases to deposits | 45.9888% | 4,312 |
| Net loans and leases to core deposits | 46.1408% | 4,390 |
| Total domestic deposits to total assets | 90.2671% | 662 |
| Equity capital to assets | 9.1871% | 3,613 |
| Core capital (leverage) ratio | 7.9730% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1107% | 690 |
| Memoranda: | ||
| Average total assets | $177,155,667 | 3,267 |
| Average earning assets | $169,779,333 | 3,219 |
| Average equity | $16,955,000 | 3,516 |
| Average total loans | $71,330,000 | 3,700 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2819% | 3,496 |
| Cost of funding earning assets | 0.1785% | 4,093 |
| Net interest margin | 3.1033% | 2,974 |
| Noninterest income to average assets | 0.8761% | 1,393 |
| Noninterest expense to average assets | 2.5426% | 2,045 |
| Loan and lease loss provision to assets | 0.0563% | 1,985 |
| Net operating income to assets | 1.2042% | 2,126 |
| Return on assets (ROA) | 1.5652% | 1,252 |
| Pretax return on assets | 1.6283% | 1,659 |
| Return on Equity (ROE) | 16.0355% | 1,005 |
| Retained earnings to average equity (ytd only) | 16.0355% | 514 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0234% | 2,231 |
| Assets per employee ($millions) | 5.7682% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 3,173 |
| Loan loss allowance to noncurrent loans | 6,292.3077% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 3,749 |
| Noncurrent loans to loans | 0.0183% | 4,196 |
| Net loans and leases to total assets | 37.9609% | 4,423 |
| Net loans and leases to deposits | 42.0562% | 4,497 |
| Net loans and leases to core deposits | 42.3163% | 4,555 |
| Total domestic deposits to total assets | 90.2623% | 691 |
| Equity capital to assets | 9.2815% | 3,416 |
| Core capital (leverage) ratio | 8.8531% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5714% | 473 |
| Memoranda: | ||
| Average total assets | $177,610,000 | 3,262 |
| Average earning assets | $170,269,000 | 3,211 |
| Average equity | $17,336,500 | 3,482 |
| Average total loans | $69,991,500 | 3,736 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5023% | 4,031 |
| Cost of funding earning assets | 0.2028% | 4,576 |
| Net interest margin | 3.2995% | 3,068 |
| Noninterest income to average assets | 0.9794% | 1,090 |
| Noninterest expense to average assets | 2.9467% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1319% | 1,796 |
| Return on assets (ROA) | 1.1511% | 1,843 |
| Pretax return on assets | 1.2014% | 2,316 |
| Return on Equity (ROE) | 11.2307% | 1,546 |
| Retained earnings to average equity (ytd only) | 11.2307% | 413 |
| Net charge-offs to loans | -0.0109% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3817% | 1,764 |
| Assets per employee ($millions) | 5.3324% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 3,219 |
| Loan loss allowance to noncurrent loans | 5,664.2857% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 3,832 |
| Noncurrent loans to loans | 0.0203% | 4,258 |
| Net loans and leases to total assets | 40.0280% | 4,439 |
| Net loans and leases to deposits | 44.8589% | 4,499 |
| Net loans and leases to core deposits | 45.1620% | 4,567 |
| Total domestic deposits to total assets | 89.2310% | 883 |
| Equity capital to assets | 10.2797% | 2,851 |
| Core capital (leverage) ratio | 8.9082% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8263% | 516 |
| Memoranda: | ||
| Average total assets | $154,988,200 | 3,339 |
| Average earning assets | $147,903,400 | 3,293 |
| Average equity | $15,885,000 | 3,566 |
| Average total loans | $64,038,600 | 3,847 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6107% | 3,988 |
| Cost of funding earning assets | 0.2073% | 4,643 |
| Net interest margin | 3.4033% | 2,912 |
| Noninterest income to average assets | 1.0070% | 1,015 |
| Noninterest expense to average assets | 3.0845% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1192% | 1,917 |
| Return on assets (ROA) | 1.1429% | 1,958 |
| Pretax return on assets | 1.1923% | 2,412 |
| Return on Equity (ROE) | 11.1604% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.1604% | 543 |
| Net charge-offs to loans | 0.0127% | 2,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 220.5000% | 464 |
| Efficiency ratio | 72.5405% | 1,577 |
| Assets per employee ($millions) | 5.0868% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 3,109 |
| Loan loss allowance to noncurrent loans | 3,714.2857% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 3,978 |
| Noncurrent loans to loans | 0.0301% | 4,281 |
| Net loans and leases to total assets | 42.3838% | 4,485 |
| Net loans and leases to deposits | 47.6595% | 4,563 |
| Net loans and leases to core deposits | 47.8247% | 4,630 |
| Total domestic deposits to total assets | 88.9303% | 798 |
| Equity capital to assets | 10.4099% | 2,865 |
| Core capital (leverage) ratio | 8.7633% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7832% | 466 |
| Memoranda: | ||
| Average total assets | $151,075,750 | 3,375 |
| Average earning assets | $144,050,750 | 3,323 |
| Average equity | $15,471,000 | 3,611 |
| Average total loans | $62,774,250 | 3,889 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7170% | 4,048 |
| Cost of funding earning assets | 0.2125% | 4,732 |
| Net interest margin | 3.5044% | 2,772 |
| Noninterest income to average assets | 1.0409% | 915 |
| Noninterest expense to average assets | 3.2003% | 1,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1329% | 1,866 |
| Return on assets (ROA) | 1.1551% | 1,918 |
| Pretax return on assets | 1.2026% | 2,357 |
| Return on Equity (ROE) | 11.3487% | 1,530 |
| Retained earnings to average equity (ytd only) | 11.3487% | 558 |
| Net charge-offs to loans | 0.0132% | 2,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 217.0000% | 415 |
| Efficiency ratio | 73.0686% | 1,560 |
| Assets per employee ($millions) | 4.8838% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 2,669 |
| Loan loss allowance to noncurrent loans | 3,723.8095% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 4,014 |
| Noncurrent loans to loans | 0.0314% | 4,356 |
| Net loans and leases to total assets | 42.2805% | 4,524 |
| Net loans and leases to deposits | 47.5644% | 4,606 |
| Net loans and leases to core deposits | 47.5644% | 4,677 |
| Total domestic deposits to total assets | 88.8911% | 789 |
| Equity capital to assets | 10.4882% | 2,748 |
| Core capital (leverage) ratio | 9.0633% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8352% | 462 |
| Memoranda: | ||
| Average total assets | $147,175,333 | 3,400 |
| Average earning assets | $140,222,333 | 3,342 |
| Average equity | $14,979,667 | 3,655 |
| Average total loans | $60,442,000 | 3,937 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6988% | 4,400 |
| Cost of funding earning assets | 0.2269% | 4,827 |
| Net interest margin | 3.4719% | 3,076 |
| Noninterest income to average assets | 1.1779% | 631 |
| Noninterest expense to average assets | 3.3150% | 1,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1253% | 1,764 |
| Return on assets (ROA) | 1.1415% | 1,823 |
| Pretax return on assets | 1.1835% | 2,255 |
| Return on Equity (ROE) | 11.4054% | 1,289 |
| Retained earnings to average equity (ytd only) | 11.4054% | 502 |
| Net charge-offs to loans | 0.0280% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 564 |
| Efficiency ratio | 73.9675% | 1,821 |
| Assets per employee ($millions) | 4.2477% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,874 |
| Loan loss allowance to noncurrent loans | 3,554.5455% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 2,650 |
| Noncurrent loans to loans | 0.0382% | 4,406 |
| Net loans and leases to total assets | 39.3527% | 4,688 |
| Net loans and leases to deposits | 44.0516% | 4,761 |
| Net loans and leases to core deposits | 44.0516% | 4,807 |
| Total domestic deposits to total assets | 89.3333% | 537 |
| Equity capital to assets | 10.0760% | 3,707 |
| Core capital (leverage) ratio | 9.3789% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3873% | 609 |
| Memoranda: | ||
| Average total assets | $142,623,000 | 3,431 |
| Average earning assets | $135,719,500 | 3,374 |
| Average equity | $14,274,000 | 3,739 |
| Average total loans | $57,234,000 | 4,002 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 4,657 |
| Cost of funding earning assets | 0.2369% | 4,882 |
| Net interest margin | 3.4818% | 3,507 |
| Noninterest income to average assets | 1.1769% | 680 |
| Noninterest expense to average assets | 3.1994% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2253% | 1,961 |
| Return on assets (ROA) | 1.2370% | 2,005 |
| Pretax return on assets | 1.2906% | 2,534 |
| Return on Equity (ROE) | 13.5455% | 993 |
| Retained earnings to average equity (ytd only) | 6.4946% | 1,608 |
| Net charge-offs to loans | 0.0166% | 3,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 198.5556% | 402 |
| Efficiency ratio | 71.3213% | 1,971 |
| Assets per employee ($millions) | 4.2674% | 3,556 |
| Cash dividends to net income (ytd only)* | 52.0532% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 1,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 2,601 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 39.8128% | 4,739 |
| Net loans and leases to deposits | 45.0322% | 4,804 |
| Net loans and leases to core deposits | 45.0322% | 4,850 |
| Total domestic deposits to total assets | 88.4096% | 934 |
| Equity capital to assets | 9.9386% | 3,975 |
| Core capital (leverage) ratio | 9.0706% | 4,467 |
| Tier 1 risk-based capital ratio | 21.3112% | 1,113 |
| Total risk-based capital ratio | 22.5616% | 1,094 |
| Memoranda: | ||
| Average total assets | $139,776,000 | 3,439 |
| Average earning assets | $132,518,000 | 3,386 |
| Average equity | $12,764,400 | 3,908 |
| Average total loans | $54,294,400 | 4,096 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 4,777 |
| Cost of funding earning assets | 0.2400% | 4,950 |
| Net interest margin | 3.4687% | 3,667 |
| Noninterest income to average assets | 1.1764% | 665 |
| Noninterest expense to average assets | 3.1681% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2424% | 2,041 |
| Return on assets (ROA) | 1.2424% | 2,122 |
| Pretax return on assets | 1.2959% | 2,683 |
| Return on Equity (ROE) | 13.9147% | 1,002 |
| Retained earnings to average equity (ytd only) | 4.2815% | 3,256 |
| Net charge-offs to loans | 0.0149% | 2,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 225.9938% | 407 |
| Efficiency ratio | 70.7985% | 2,002 |
| Assets per employee ($millions) | 4.1679% | 3,669 |
| Cash dividends to net income (ytd only)* | 69.2308% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 1,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 2,736 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 39.1244% | 4,843 |
| Net loans and leases to deposits | 43.7198% | 4,917 |
| Net loans and leases to core deposits | 43.7198% | 4,965 |
| Total domestic deposits to total assets | 89.4889% | 451 |
| Equity capital to assets | 9.6714% | 4,314 |
| Core capital (leverage) ratio | 8.9929% | 4,642 |
| Tier 1 risk-based capital ratio | 20.9261% | 1,201 |
| Total risk-based capital ratio | 22.1777% | 1,179 |
| Memoranda: | ||
| Average total assets | $139,514,000 | 3,478 |
| Average earning assets | $132,227,250 | 3,421 |
| Average equity | $12,456,500 | 3,978 |
| Average total loans | $53,655,000 | 4,155 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 4,814 |
| Cost of funding earning assets | 0.2435% | 4,973 |
| Net interest margin | 3.4719% | 3,683 |
| Noninterest income to average assets | 1.1658% | 629 |
| Noninterest expense to average assets | 3.1589% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2422% | 1,997 |
| Return on assets (ROA) | 1.2422% | 2,049 |
| Pretax return on assets | 1.2941% | 2,583 |
| Return on Equity (ROE) | 14.3185% | 912 |
| Retained earnings to average equity (ytd only) | -0.6312% | 4,778 |
| Net charge-offs to loans | 0.0076% | 2,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 449.0000% | 169 |
| Efficiency ratio | 70.7120% | 2,117 |
| Assets per employee ($millions) | 4.0729% | 3,773 |
| Cash dividends to net income (ytd only)* | 104.4084% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 1,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 2,691 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 38.6730% | 4,886 |
| Net loans and leases to deposits | 43.0997% | 4,970 |
| Net loans and leases to core deposits | 43.0997% | 5,016 |
| Total domestic deposits to total assets | 89.7291% | 408 |
| Equity capital to assets | 9.4050% | 4,496 |
| Core capital (leverage) ratio | 8.6501% | 4,880 |
| Tier 1 risk-based capital ratio | 20.3027% | 1,291 |
| Total risk-based capital ratio | 21.5545% | 1,259 |
| Memoranda: | ||
| Average total assets | $138,783,000 | 3,506 |
| Average earning assets | $131,399,330 | 3,455 |
| Average equity | $12,040,330 | 4,039 |
| Average total loans | $52,796,330 | 4,204 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 4,863 |
| Cost of funding earning assets | 0.2532% | 4,973 |
| Net interest margin | 3.4356% | 3,793 |
| Noninterest income to average assets | 1.1660% | 596 |
| Noninterest expense to average assets | 3.1151% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2466% | 1,904 |
| Return on assets (ROA) | 1.2466% | 1,948 |
| Pretax return on assets | 1.2927% | 2,482 |
| Return on Equity (ROE) | 14.9976% | 749 |
| Retained earnings to average equity (ytd only) | -16.1753% | 5,221 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4768% | 2,269 |
| Assets per employee ($millions) | 4.5619% | 3,101 |
| Cash dividends to net income (ytd only)* | 207.8522% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 1,316 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 2,691 |
| Noncurrent loans to loans | 0.0853% | 4,372 |
| Net loans and leases to total assets | 36.7367% | 4,994 |
| Net loans and leases to deposits | 40.5389% | 5,071 |
| Net loans and leases to core deposits | 40.5389% | 5,101 |
| Total domestic deposits to total assets | 90.6208% | 248 |
| Equity capital to assets | 8.3581% | 5,059 |
| Core capital (leverage) ratio | 8.2925% | 5,105 |
| Tier 1 risk-based capital ratio | 20.0155% | 1,340 |
| Total risk-based capital ratio | 21.2664% | 1,312 |
| Memoranda: | ||
| Average total assets | $138,935,000 | 3,546 |
| Average earning assets | $131,098,500 | 3,501 |
| Average equity | $11,548,500 | 4,124 |
| Average total loans | $52,021,000 | 4,263 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3816% | 5,025 |
| Cost of funding earning assets | 0.2113% | 4,956 |
| Net interest margin | 3.1702% | 4,537 |
| Noninterest income to average assets | 1.1866% | 654 |
| Noninterest expense to average assets | 3.0415% | 1,964 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1252% | 2,495 |
| Return on assets (ROA) | 1.1150% | 2,535 |
| Pretax return on assets | 1.1646% | 3,043 |
| Return on Equity (ROE) | 14.5667% | 924 |
| Retained earnings to average equity (ytd only) | 6.5842% | 1,877 |
| Net charge-offs to loans | 0.0394% | 2,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 82.9000% | 846 |
| Efficiency ratio | 71.8944% | 1,916 |
| Assets per employee ($millions) | 4.2641% | 3,522 |
| Cash dividends to net income (ytd only)* | 54.7997% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 1,148 |
| Loan loss allowance to noncurrent loans | 1,728.2609% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 2,590 |
| Noncurrent loans to loans | 0.0897% | 4,349 |
| Net loans and leases to total assets | 37.0092% | 5,045 |
| Net loans and leases to deposits | 40.7427% | 5,107 |
| Net loans and leases to core deposits | 40.7427% | 5,151 |
| Total domestic deposits to total assets | 90.8362% | 244 |
| Equity capital to assets | 8.2646% | 5,057 |
| Core capital (leverage) ratio | 8.6429% | 4,923 |
| Tier 1 risk-based capital ratio | 21.1841% | 1,133 |
| Total risk-based capital ratio | 22.4360% | 1,117 |
| Memoranda: | ||
| Average total assets | $141,080,800 | 3,489 |
| Average earning assets | $134,849,000 | 3,428 |
| Average equity | $10,798,600 | 4,190 |
| Average total loans | $50,807,600 | 4,299 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3407% | 5,095 |
| Cost of funding earning assets | 0.2104% | 4,981 |
| Net interest margin | 3.1303% | 4,653 |
| Noninterest income to average assets | 1.1605% | 698 |
| Noninterest expense to average assets | 2.9940% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1168% | 2,592 |
| Return on assets (ROA) | 1.1033% | 2,663 |
| Pretax return on assets | 1.1502% | 3,195 |
| Return on Equity (ROE) | 14.6951% | 936 |
| Retained earnings to average equity (ytd only) | 3.9329% | 3,810 |
| Net charge-offs to loans | 0.0684% | 1,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 47.7635% | 1,203 |
| Efficiency ratio | 71.7764% | 1,924 |
| Assets per employee ($millions) | 4.3982% | 3,273 |
| Cash dividends to net income (ytd only)* | 73.2369% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 1,199 |
| Loan loss allowance to noncurrent loans | 1,195.4545% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 4,739 |
| Noncurrent loans to loans | 0.1294% | 4,304 |
| Net loans and leases to total assets | 35.6750% | 5,153 |
| Net loans and leases to deposits | 38.8670% | 5,233 |
| Net loans and leases to core deposits | 38.8670% | 5,252 |
| Total domestic deposits to total assets | 91.7872% | 101 |
| Equity capital to assets | 7.2984% | 5,345 |
| Core capital (leverage) ratio | 8.2193% | 5,241 |
| Tier 1 risk-based capital ratio | 20.7650% | 1,217 |
| Total risk-based capital ratio | 22.0163% | 1,191 |
| Memoranda: | ||
| Average total assets | $142,238,500 | 3,511 |
| Average earning assets | $136,214,000 | 3,450 |
| Average equity | $10,679,000 | 4,244 |
| Average total loans | $50,686,000 | 4,347 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2797% | 5,156 |
| Cost of funding earning assets | 0.2079% | 4,992 |
| Net interest margin | 3.0718% | 4,781 |
| Noninterest income to average assets | 1.1602% | 714 |
| Noninterest expense to average assets | 3.0041% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0514% | 2,799 |
| Return on assets (ROA) | 1.0313% | 2,887 |
| Pretax return on assets | 1.0747% | 3,414 |
| Return on Equity (ROE) | 13.6111% | 1,178 |
| Retained earnings to average equity (ytd only) | 5.0672% | 3,042 |
| Net charge-offs to loans | 0.0316% | 2,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 97.7500% | 702 |
| Efficiency ratio | 73.0349% | 1,844 |
| Assets per employee ($millions) | 4.1476% | 3,657 |
| Cash dividends to net income (ytd only)* | 62.7717% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 1,151 |
| Loan loss allowance to noncurrent loans | 1,646.9388% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 4,853 |
| Noncurrent loans to loans | 0.0962% | 4,483 |
| Net loans and leases to total assets | 35.5427% | 5,196 |
| Net loans and leases to deposits | 38.7413% | 5,276 |
| Net loans and leases to core deposits | 38.7413% | 5,307 |
| Total domestic deposits to total assets | 91.7437% | 112 |
| Equity capital to assets | 7.5926% | 5,350 |
| Core capital (leverage) ratio | 8.1546% | 5,289 |
| Tier 1 risk-based capital ratio | 20.5816% | 1,233 |
| Total risk-based capital ratio | 21.8338% | 1,205 |
| Memoranda: | ||
| Average total assets | $142,737,000 | 3,534 |
| Average earning assets | $136,598,670 | 3,466 |
| Average equity | $10,814,670 | 4,261 |
| Average total loans | $50,581,670 | 4,390 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2611% | 5,182 |
| Cost of funding earning assets | 0.2153% | 4,929 |
| Net interest margin | 3.0458% | 4,801 |
| Noninterest income to average assets | 1.1421% | 713 |
| Noninterest expense to average assets | 2.9611% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0557% | 2,622 |
| Return on assets (ROA) | 1.0557% | 2,635 |
| Pretax return on assets | 1.0975% | 3,181 |
| Return on Equity (ROE) | 13.9486% | 1,025 |
| Retained earnings to average equity (ytd only) | -3.0547% | 5,088 |
| Net charge-offs to loans | 0.0238% | 2,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 131.3333% | 495 |
| Efficiency ratio | 72.7522% | 2,080 |
| Assets per employee ($millions) | 4.3309% | 3,429 |
| Cash dividends to net income (ytd only)* | 121.8997% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 1,111 |
| Loan loss allowance to noncurrent loans | 1,624.0000% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 4,935 |
| Noncurrent loans to loans | 0.0998% | 4,524 |
| Net loans and leases to total assets | 34.4745% | 5,259 |
| Net loans and leases to deposits | 37.6290% | 5,324 |
| Net loans and leases to core deposits | 37.6290% | 5,358 |
| Total domestic deposits to total assets | 91.6170% | 170 |
| Equity capital to assets | 7.3587% | 5,462 |
| Core capital (leverage) ratio | 7.9206% | 5,408 |
| Tier 1 risk-based capital ratio | 19.9908% | 1,349 |
| Total risk-based capital ratio | 21.2423% | 1,319 |
| Memoranda: | ||
| Average total assets | $143,596,000 | 3,553 |
| Average earning assets | $137,499,000 | 3,484 |
| Average equity | $10,868,500 | 4,292 |
| Average total loans | $50,408,000 | 4,435 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2487% | 5,137 |
| Cost of funding earning assets | 0.2301% | 4,727 |
| Net interest margin | 3.0186% | 4,845 |
| Noninterest income to average assets | 1.2758% | 651 |
| Noninterest expense to average assets | 3.8090% | 689 |
| Loan and lease loss provision to assets | 0.1226% | 1,868 |
| Net operating income to assets | 0.2139% | 5,081 |
| Return on assets (ROA) | 0.2146% | 5,101 |
| Pretax return on assets | 0.2221% | 5,288 |
| Return on Equity (ROE) | 2.8205% | 4,884 |
| Retained earnings to average equity (ytd only) | 0.5820% | 4,808 |
| Net charge-offs to loans | 0.0219% | 3,371 |
| Credit loss provision to net charge-offs | 1,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 42.0833% | 1,216 |
| Efficiency ratio | 90.8644% | 388 |
| Assets per employee ($millions) | 4.2433% | 3,588 |
| Cash dividends to net income (ytd only)* | 79.3651% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 1,131 |
| Loan loss allowance to noncurrent loans | 1,537.7358% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 4,953 |
| Noncurrent loans to loans | 0.1045% | 4,519 |
| Net loans and leases to total assets | 34.5999% | 5,328 |
| Net loans and leases to deposits | 37.9071% | 5,396 |
| Net loans and leases to core deposits | 38.4935% | 5,411 |
| Total domestic deposits to total assets | 91.2755% | 182 |
| Equity capital to assets | 7.7770% | 5,464 |
| Core capital (leverage) ratio | 7.8191% | 5,490 |
| Tier 1 risk-based capital ratio | 20.0864% | 1,301 |
| Total risk-based capital ratio | 21.3381% | 1,261 |
| Memoranda: | ||
| Average total assets | $146,808,600 | 3,509 |
| Average earning assets | $139,931,400 | 3,453 |
| Average equity | $11,168,200 | 4,272 |
| Average total loans | $54,918,000 | 4,332 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2471% | 5,172 |
| Cost of funding earning assets | 0.2258% | 4,771 |
| Net interest margin | 3.0213% | 4,873 |
| Noninterest income to average assets | 1.3212% | 605 |
| Noninterest expense to average assets | 4.0783% | 477 |
| Loan and lease loss provision to assets | 0.1628% | 1,252 |
| Net operating income to assets | -0.0353% | 5,524 |
| Return on assets (ROA) | -0.0353% | 5,530 |
| Pretax return on assets | -0.0407% | 5,526 |
| Return on Equity (ROE) | -0.4661% | 5,538 |
| Retained earnings to average equity (ytd only) | -3.4542% | 5,506 |
| Net charge-offs to loans | 0.0214% | 3,045 |
| Credit loss provision to net charge-offs | 2,000.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,259 |
| Efficiency ratio | 96.0388% | 249 |
| Assets per employee ($millions) | 4.2916% | 3,485 |
| Cash dividends to net income (ytd only)* | -641.0192% | 5,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 1,546 |
| Loan loss allowance to noncurrent loans | 1,514.8148% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 5,048 |
| Noncurrent loans to loans | 0.0988% | 4,670 |
| Net loans and leases to total assets | 36.9060% | 5,310 |
| Net loans and leases to deposits | 40.5780% | 5,406 |
| Net loans and leases to core deposits | 41.1988% | 5,433 |
| Total domestic deposits to total assets | 90.9508% | 198 |
| Equity capital to assets | 7.8320% | 5,561 |
| Core capital (leverage) ratio | 7.5231% | 5,616 |
| Tier 1 risk-based capital ratio | 18.0144% | 1,849 |
| Total risk-based capital ratio | 19.2655% | 1,803 |
| Memoranda: | ||
| Average total assets | $147,442,750 | 3,530 |
| Average earning assets | $140,512,000 | 3,471 |
| Average equity | $11,155,250 | 4,322 |
| Average total loans | $55,964,250 | 4,328 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2419% | 5,187 |
| Cost of funding earning assets | 0.2202% | 4,803 |
| Net interest margin | 3.0217% | 4,859 |
| Noninterest income to average assets | 1.4032% | 549 |
| Noninterest expense to average assets | 4.5758% | 295 |
| Loan and lease loss provision to assets | 0.1622% | 1,234 |
| Net operating income to assets | -0.4326% | 5,673 |
| Return on assets (ROA) | -0.4326% | 5,671 |
| Pretax return on assets | -0.4596% | 5,660 |
| Return on Equity (ROE) | -5.7844% | 5,691 |
| Retained earnings to average equity (ytd only) | -10.3034% | 5,659 |
| Net charge-offs to loans | 0.0213% | 2,796 |
| Credit loss provision to net charge-offs | 2,000.0000% | 210 |
| Earnings coverage of net charge-offs (x) | -36.6667% | 3,503 |
| Efficiency ratio | 105.6872% | 134 |
| Assets per employee ($millions) | 4.3014% | 3,431 |
| Cash dividends to net income (ytd only)* | -78.1250% | 5,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 1,983 |
| Loan loss allowance to noncurrent loans | 76,100.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,325 |
| Noncurrent loans to loans | 0.0018% | 5,205 |
| Net loans and leases to total assets | 36.8689% | 5,344 |
| Net loans and leases to deposits | 40.4577% | 5,442 |
| Net loans and leases to core deposits | 41.0750% | 5,472 |
| Total domestic deposits to total assets | 91.1295% | 193 |
| Equity capital to assets | 7.6733% | 5,627 |
| Core capital (leverage) ratio | 7.1494% | 5,700 |
| Tier 1 risk-based capital ratio | 17.4783% | 2,018 |
| Total risk-based capital ratio | 18.7215% | 1,974 |
| Memoranda: | ||
| Average total assets | $147,952,330 | 3,549 |
| Average earning assets | $140,781,000 | 3,483 |
| Average equity | $11,064,330 | 4,352 |
| Average total loans | $56,396,000 | 4,344 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1535% | 5,302 |
| Cost of funding earning assets | 0.2095% | 4,893 |
| Net interest margin | 2.9440% | 5,005 |
| Noninterest income to average assets | 1.5107% | 476 |
| Noninterest expense to average assets | 5.1101% | 221 |
| Loan and lease loss provision to assets | 0.1613% | 1,117 |
| Net operating income to assets | -0.9113% | 5,780 |
| Return on assets (ROA) | -0.9113% | 5,779 |
| Pretax return on assets | -0.9650% | 5,771 |
| Return on Equity (ROE) | -12.3435% | 5,791 |
| Retained earnings to average equity (ytd only) | -21.4465% | 5,745 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.4157% | 81 |
| Assets per employee ($millions) | 4.2989% | 3,507 |
| Cash dividends to net income (ytd only)* | -73.7463% | 5,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 37.8146% | 5,334 |
| Net loans and leases to deposits | 41.2488% | 5,432 |
| Net loans and leases to core deposits | 42.0341% | 5,465 |
| Total domestic deposits to total assets | 91.6744% | 151 |
| Equity capital to assets | 7.1572% | 5,737 |
| Core capital (leverage) ratio | 7.1533% | 5,759 |
| Tier 1 risk-based capital ratio | 16.7118% | 2,276 |
| Total risk-based capital ratio | 17.8197% | 2,285 |
| Memoranda: | ||
| Average total assets | $148,804,500 | 3,570 |
| Average earning assets | $141,302,500 | 3,507 |
| Average equity | $10,985,500 | 4,389 |
| Average total loans | $57,253,500 | 4,372 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0996% | 5,403 |
| Cost of funding earning assets | 0.1934% | 5,086 |
| Net interest margin | 2.9062% | 5,131 |
| Noninterest income to average assets | 1.5427% | 508 |
| Noninterest expense to average assets | 3.4435% | 1,269 |
| Loan and lease loss provision to assets | 0.0673% | 3,022 |
| Net operating income to assets | 0.7480% | 3,546 |
| Return on assets (ROA) | 0.9060% | 2,906 |
| Pretax return on assets | 0.9497% | 3,657 |
| Return on Equity (ROE) | 10.6590% | 1,705 |
| Retained earnings to average equity (ytd only) | -8.7426% | 5,771 |
| Net charge-offs to loans | 0.0290% | 3,440 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 84.2667% | 686 |
| Efficiency ratio | 78.9342% | 1,563 |
| Assets per employee ($millions) | 4.0874% | 3,811 |
| Cash dividends to net income (ytd only)* | 182.0208% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 3,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 38.2314% | 5,394 |
| Net loans and leases to deposits | 41.8805% | 5,496 |
| Net loans and leases to core deposits | 42.7000% | 5,530 |
| Total domestic deposits to total assets | 91.2869% | 211 |
| Equity capital to assets | 7.6128% | 5,690 |
| Core capital (leverage) ratio | 7.5905% | 5,731 |
| Tier 1 risk-based capital ratio | 17.7716% | 1,911 |
| Total risk-based capital ratio | 18.7934% | 1,952 |
| Memoranda: | ||
| Average total assets | $148,571,400 | 3,546 |
| Average earning assets | $140,664,400 | 3,486 |
| Average equity | $12,627,800 | 4,148 |
| Average total loans | $51,742,800 | 4,526 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0564% | 5,521 |
| Cost of funding earning assets | 0.1929% | 5,140 |
| Net interest margin | 2.8635% | 5,243 |
| Noninterest income to average assets | 1.4915% | 541 |
| Noninterest expense to average assets | 3.1836% | 1,818 |
| Loan and lease loss provision to assets | 0.0224% | 3,797 |
| Net operating income to assets | 0.9511% | 2,647 |
| Return on assets (ROA) | 1.1612% | 1,867 |
| Pretax return on assets | 1.2176% | 2,766 |
| Return on Equity (ROE) | 13.3184% | 963 |
| Retained earnings to average equity (ytd only) | -11.8397% | 5,863 |
| Net charge-offs to loans | 0.0238% | 3,197 |
| Credit loss provision to net charge-offs | 277.7778% | 1,101 |
| Earnings coverage of net charge-offs (x) | 126.4417% | 549 |
| Efficiency ratio | 74.4781% | 2,194 |
| Assets per employee ($millions) | 4.0463% | 3,885 |
| Cash dividends to net income (ytd only)* | 188.8978% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 4,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 36.5083% | 5,530 |
| Net loans and leases to deposits | 40.4039% | 5,622 |
| Net loans and leases to core deposits | 41.1882% | 5,653 |
| Total domestic deposits to total assets | 90.3583% | 358 |
| Equity capital to assets | 8.4174% | 5,578 |
| Core capital (leverage) ratio | 7.6727% | 5,794 |
| Tier 1 risk-based capital ratio | 18.0649% | 1,899 |
| Total risk-based capital ratio | 18.9979% | 1,949 |
| Memoranda: | ||
| Average total assets | $148,927,750 | 3,557 |
| Average earning assets | $140,989,250 | 3,505 |
| Average equity | $12,984,250 | 4,125 |
| Average total loans | $50,452,750 | 4,600 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0505% | 5,598 |
| Cost of funding earning assets | 0.1921% | 5,221 |
| Net interest margin | 2.8584% | 5,336 |
| Noninterest income to average assets | 1.0628% | 990 |
| Noninterest expense to average assets | 3.1722% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5642% | 4,423 |
| Return on assets (ROA) | 0.8798% | 3,083 |
| Pretax return on assets | 0.9256% | 3,854 |
| Return on Equity (ROE) | 9.9758% | 2,063 |
| Retained earnings to average equity (ytd only) | -5.2777% | 5,755 |
| Net charge-offs to loans | 0.0164% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 110.2500% | 525 |
| Efficiency ratio | 82.8153% | 1,174 |
| Assets per employee ($millions) | 3.8569% | 4,157 |
| Cash dividends to net income (ytd only)* | 152.9052% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 4,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 35.8171% | 5,617 |
| Net loans and leases to deposits | 40.0029% | 5,691 |
| Net loans and leases to core deposits | 40.8045% | 5,717 |
| Total domestic deposits to total assets | 89.5363% | 662 |
| Equity capital to assets | 9.3679% | 4,894 |
| Core capital (leverage) ratio | 8.0257% | 5,715 |
| Tier 1 risk-based capital ratio | 19.4487% | 1,581 |
| Total risk-based capital ratio | 20.3540% | 1,637 |
| Memoranda: | ||
| Average total assets | $148,665,670 | 3,578 |
| Average earning assets | $140,568,000 | 3,531 |
| Average equity | $13,111,670 | 4,140 |
| Average total loans | $48,858,330 | 4,685 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9748% | 5,710 |
| Cost of funding earning assets | 0.1923% | 5,266 |
| Net interest margin | 2.7825% | 5,498 |
| Noninterest income to average assets | 1.0393% | 1,004 |
| Noninterest expense to average assets | 3.1446% | 1,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4929% | 4,657 |
| Return on assets (ROA) | 0.6385% | 4,147 |
| Pretax return on assets | 0.6786% | 4,593 |
| Return on Equity (ROE) | 7.4673% | 3,199 |
| Retained earnings to average equity (ytd only) | -23.7766% | 5,993 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2680% | 1,131 |
| Assets per employee ($millions) | 3.8377% | 4,233 |
| Cash dividends to net income (ytd only)* | 418.4100% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 3,697 |
| Loan loss allowance to noncurrent loans | 1,248.8889% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 5,523 |
| Noncurrent loans to loans | 0.0931% | 5,102 |
| Net loans and leases to total assets | 31.9129% | 5,781 |
| Net loans and leases to deposits | 35.3396% | 5,841 |
| Net loans and leases to core deposits | 36.0263% | 5,859 |
| Total domestic deposits to total assets | 90.3033% | 495 |
| Equity capital to assets | 8.5475% | 5,534 |
| Core capital (leverage) ratio | 7.6502% | 5,890 |
| Tier 1 risk-based capital ratio | 18.7160% | 1,801 |
| Total risk-based capital ratio | 19.6260% | 1,848 |
| Memoranda: | ||
| Average total assets | $149,716,500 | 3,588 |
| Average earning assets | $141,456,000 | 3,537 |
| Average equity | $12,802,500 | 4,191 |
| Average total loans | $46,761,000 | 4,775 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8854% | 5,823 |
| Cost of funding earning assets | 0.1622% | 5,589 |
| Net interest margin | 2.7232% | 5,624 |
| Noninterest income to average assets | 1.0386% | 1,095 |
| Noninterest expense to average assets | 3.2024% | 1,968 |
| Loan and lease loss provision to assets | 0.0391% | 3,554 |
| Net operating income to assets | 0.3557% | 5,197 |
| Return on assets (ROA) | 0.4018% | 5,126 |
| Pretax return on assets | 0.4135% | 5,292 |
| Return on Equity (ROE) | 4.9336% | 4,537 |
| Retained earnings to average equity (ytd only) | 4.9336% | 2,464 |
| Net charge-offs to loans | 0.0191% | 3,888 |
| Credit loss provision to net charge-offs | 750.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 77.7500% | 719 |
| Efficiency ratio | 87.3285% | 885 |
| Assets per employee ($millions) | 3.7441% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 3,221 |
| Loan loss allowance to noncurrent loans | 1,248.8889% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 5,572 |
| Noncurrent loans to loans | 0.0996% | 5,104 |
| Net loans and leases to total assets | 29.8031% | 5,894 |
| Net loans and leases to deposits | 33.4072% | 5,942 |
| Net loans and leases to core deposits | 34.0637% | 5,962 |
| Total domestic deposits to total assets | 89.2116% | 1,015 |
| Equity capital to assets | 8.5548% | 5,513 |
| Core capital (leverage) ratio | 8.1985% | 5,699 |
| Tier 1 risk-based capital ratio | 21.2284% | 1,260 |
| Total risk-based capital ratio | 22.1953% | 1,287 |
| Memoranda: | ||
| Average total assets | $153,572,400 | 3,519 |
| Average earning assets | $144,866,000 | 3,475 |
| Average equity | $12,506,000 | 4,217 |
| Average total loans | $41,906,800 | 4,937 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8412% | 5,933 |
| Cost of funding earning assets | 0.1609% | 5,697 |
| Net interest margin | 2.6803% | 5,743 |
| Noninterest income to average assets | 1.0276% | 1,122 |
| Noninterest expense to average assets | 3.1330% | 2,133 |
| Loan and lease loss provision to assets | 0.0388% | 3,433 |
| Net operating income to assets | 0.3756% | 5,245 |
| Return on assets (ROA) | 0.4297% | 5,137 |
| Pretax return on assets | 0.4400% | 5,375 |
| Return on Equity (ROE) | 5.3420% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.3420% | 2,686 |
| Net charge-offs to loans | 0.0195% | 3,546 |
| Credit loss provision to net charge-offs | 750.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 81.8313% | 732 |
| Efficiency ratio | 86.6327% | 961 |
| Assets per employee ($millions) | 3.9992% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 3,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 28.5711% | 6,017 |
| Net loans and leases to deposits | 31.6955% | 6,055 |
| Net loans and leases to core deposits | 32.3027% | 6,068 |
| Total domestic deposits to total assets | 90.1427% | 516 |
| Equity capital to assets | 8.6143% | 5,636 |
| Core capital (leverage) ratio | 7.9499% | 5,930 |
| Tier 1 risk-based capital ratio | 21.0533% | 1,335 |
| Total risk-based capital ratio | 21.9997% | 1,362 |
| Memoranda: | ||
| Average total assets | $154,524,750 | 3,533 |
| Average earning assets | $145,803,000 | 3,493 |
| Average equity | $12,429,500 | 4,280 |
| Average total loans | $41,084,500 | 5,020 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8101% | 6,010 |
| Cost of funding earning assets | 0.1582% | 5,789 |
| Net interest margin | 2.6519% | 5,822 |
| Noninterest income to average assets | 0.9989% | 1,184 |
| Noninterest expense to average assets | 3.0751% | 2,321 |
| Loan and lease loss provision to assets | 0.0386% | 3,346 |
| Net operating income to assets | 0.3836% | 5,192 |
| Return on assets (ROA) | 0.3849% | 5,295 |
| Pretax return on assets | 0.3887% | 5,490 |
| Return on Equity (ROE) | 4.8980% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.8980% | 2,926 |
| Net charge-offs to loans | 0.0050% | 3,725 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 331.0000% | 209 |
| Efficiency ratio | 86.3603% | 1,032 |
| Assets per employee ($millions) | 3.9989% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 3,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 26.7006% | 6,119 |
| Net loans and leases to deposits | 30.9986% | 6,132 |
| Net loans and leases to core deposits | 31.6044% | 6,141 |
| Total domestic deposits to total assets | 86.1348% | 2,617 |
| Equity capital to assets | 7.8085% | 6,042 |
| Core capital (leverage) ratio | 7.6780% | 6,044 |
| Tier 1 risk-based capital ratio | 19.9714% | 1,548 |
| Total risk-based capital ratio | 20.8680% | 1,609 |
| Memoranda: | ||
| Average total assets | $155,377,000 | 3,548 |
| Average earning assets | $146,614,330 | 3,510 |
| Average equity | $12,209,000 | 4,343 |
| Average total loans | $40,123,330 | 5,098 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8349% | 6,046 |
| Cost of funding earning assets | 0.1587% | 5,856 |
| Net interest margin | 2.6762% | 5,833 |
| Noninterest income to average assets | 0.9801% | 1,163 |
| Noninterest expense to average assets | 3.0332% | 2,473 |
| Loan and lease loss provision to assets | 0.0387% | 3,132 |
| Net operating income to assets | 0.4385% | 4,915 |
| Return on assets (ROA) | 0.4410% | 5,029 |
| Pretax return on assets | 0.4333% | 5,353 |
| Return on Equity (ROE) | 5.5953% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.5953% | 2,722 |
| Net charge-offs to loans | -0.0102% | 4,729 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1252% | 1,259 |
| Assets per employee ($millions) | 3.8787% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 3,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 24.4034% | 6,206 |
| Net loans and leases to deposits | 26.9622% | 6,235 |
| Net loans and leases to core deposits | 27.4533% | 6,245 |
| Total domestic deposits to total assets | 90.5098% | 527 |
| Equity capital to assets | 7.9068% | 6,064 |
| Core capital (leverage) ratio | 7.6689% | 6,082 |
| Tier 1 risk-based capital ratio | 20.6614% | 1,489 |
| Total risk-based capital ratio | 21.5770% | 1,522 |
| Memoranda: | ||
| Average total assets | $155,086,000 | 3,575 |
| Average earning assets | $146,177,500 | 3,534 |
| Average equity | $12,224,500 | 4,372 |
| Average total loans | $39,094,500 | 5,175 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0610% | 5,999 |
| Cost of funding earning assets | 0.1777% | 5,923 |
| Net interest margin | 2.8834% | 5,675 |
| Noninterest income to average assets | 1.0574% | 1,085 |
| Noninterest expense to average assets | 3.4881% | 1,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2577% | 5,638 |
| Return on assets (ROA) | 0.3037% | 5,580 |
| Pretax return on assets | 0.3218% | 5,661 |
| Return on Equity (ROE) | 3.8318% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.8318% | 3,487 |
| Net charge-offs to loans | 0.1047% | 3,015 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.0500% | 2,801 |
| Efficiency ratio | 91.3026% | 758 |
| Assets per employee ($millions) | 3.6865% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 3,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 25.3697% | 6,290 |
| Net loans and leases to deposits | 28.7390% | 6,310 |
| Net loans and leases to core deposits | 29.3045% | 6,319 |
| Total domestic deposits to total assets | 88.2762% | 1,625 |
| Equity capital to assets | 7.8567% | 6,123 |
| Core capital (leverage) ratio | 7.6151% | 6,163 |
| Tier 1 risk-based capital ratio | 20.7726% | 1,448 |
| Total risk-based capital ratio | 21.6897% | 1,489 |
| Memoranda: | ||
| Average total assets | $132,679,600 | 3,929 |
| Average earning assets | $124,401,800 | 3,876 |
| Average equity | $10,517,200 | 4,650 |
| Average total loans | $38,209,000 | 5,245 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1099% | 6,017 |
| Cost of funding earning assets | 0.1822% | 5,977 |
| Net interest margin | 2.9277% | 5,642 |
| Noninterest income to average assets | 1.0141% | 1,191 |
| Noninterest expense to average assets | 3.4263% | 1,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3122% | 5,547 |
| Return on assets (ROA) | 0.3758% | 5,418 |
| Pretax return on assets | 0.3987% | 5,578 |
| Return on Equity (ROE) | 4.7291% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.7291% | 3,259 |
| Net charge-offs to loans | 0.2453% | 1,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.5429% | 3,431 |
| Efficiency ratio | 89.7479% | 859 |
| Assets per employee ($millions) | 3.2118% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 3,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 24.7385% | 6,373 |
| Net loans and leases to deposits | 27.3685% | 6,403 |
| Net loans and leases to core deposits | 27.8949% | 6,412 |
| Total domestic deposits to total assets | 90.3905% | 575 |
| Equity capital to assets | 7.7811% | 6,222 |
| Core capital (leverage) ratio | 7.8707% | 6,149 |
| Tier 1 risk-based capital ratio | 21.4139% | 1,369 |
| Total risk-based capital ratio | 22.3086% | 1,418 |
| Memoranda: | ||
| Average total assets | $128,063,250 | 4,045 |
| Average earning assets | $120,001,250 | 3,991 |
| Average equity | $10,177,750 | 4,748 |
| Average total loans | $38,047,500 | 5,299 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2201% | 5,924 |
| Cost of funding earning assets | 0.1863% | 6,029 |
| Net interest margin | 3.0338% | 5,434 |
| Noninterest income to average assets | 1.0080% | 1,179 |
| Noninterest expense to average assets | 3.3280% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4953% | 4,831 |
| Return on assets (ROA) | 0.5978% | 4,460 |
| Pretax return on assets | 0.6277% | 4,859 |
| Return on Equity (ROE) | 7.4573% | 3,388 |
| Retained earnings to average equity (ytd only) | 7.4573% | 1,537 |
| Net charge-offs to loans | -0.0157% | 5,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0669% | 1,372 |
| Assets per employee ($millions) | 3.3003% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 3,326 |
| Loan loss allowance to noncurrent loans | 400.7246% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 5,817 |
| Noncurrent loans to loans | 0.3506% | 4,952 |
| Net loans and leases to total assets | 31.7817% | 6,254 |
| Net loans and leases to deposits | 37.2751% | 6,251 |
| Net loans and leases to core deposits | 38.2204% | 6,267 |
| Total domestic deposits to total assets | 85.2626% | 3,380 |
| Equity capital to assets | 8.4415% | 5,847 |
| Core capital (leverage) ratio | 8.3370% | 5,812 |
| Tier 1 risk-based capital ratio | 19.3059% | 1,850 |
| Total risk-based capital ratio | 20.3697% | 1,854 |
| Memoranda: | ||
| Average total assets | $120,432,670 | 4,228 |
| Average earning assets | $112,730,000 | 4,169 |
| Average equity | $9,655,000 | 4,873 |
| Average total loans | $38,122,000 | 5,333 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2549% | 5,928 |
| Cost of funding earning assets | 0.1927% | 6,062 |
| Net interest margin | 3.0622% | 5,355 |
| Noninterest income to average assets | 1.0235% | 1,076 |
| Noninterest expense to average assets | 3.2477% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6121% | 4,146 |
| Return on assets (ROA) | 0.6121% | 4,224 |
| Pretax return on assets | 0.6455% | 4,678 |
| Return on Equity (ROE) | 7.8469% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.8469% | 1,663 |
| Net charge-offs to loans | -0.0320% | 5,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9588% | 1,930 |
| Assets per employee ($millions) | 3.6513% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 3,385 |
| Loan loss allowance to noncurrent loans | 55,300.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,353 |
| Noncurrent loans to loans | 0.0026% | 6,187 |
| Net loans and leases to total assets | 31.2798% | 6,293 |
| Net loans and leases to deposits | 34.5520% | 6,359 |
| Net loans and leases to core deposits | 35.3873% | 6,376 |
| Total domestic deposits to total assets | 90.5297% | 782 |
| Equity capital to assets | 8.0602% | 6,010 |
| Core capital (leverage) ratio | 8.1688% | 5,978 |
| Tier 1 risk-based capital ratio | 19.0031% | 1,969 |
| Total risk-based capital ratio | 20.0707% | 1,980 |
| Memoranda: | ||
| Average total assets | $119,593,500 | 4,287 |
| Average earning assets | $112,077,000 | 4,213 |
| Average equity | $9,328,500 | 4,969 |
| Average total loans | $37,502,000 | 5,405 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2695% | 6,048 |
| Cost of funding earning assets | 0.2518% | 5,952 |
| Net interest margin | 3.0177% | 5,536 |
| Noninterest income to average assets | 1.0327% | 1,320 |
| Noninterest expense to average assets | 3.1334% | 2,635 |
| Loan and lease loss provision to assets | 0.0329% | 4,458 |
| Net operating income to assets | 0.6664% | 3,955 |
| Return on assets (ROA) | 0.7008% | 3,873 |
| Pretax return on assets | 0.7247% | 4,441 |
| Return on Equity (ROE) | 8.9363% | 2,567 |
| Retained earnings to average equity (ytd only) | 6.8361% | 1,513 |
| Net charge-offs to loans | 0.0026% | 5,426 |
| Credit loss provision to net charge-offs | 4,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 877.0000% | 42 |
| Efficiency ratio | 79.8590% | 2,169 |
| Assets per employee ($millions) | 3.3913% | 5,112 |
| Cash dividends to net income (ytd only)* | 23.5018% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 3,214 |
| Loan loss allowance to noncurrent loans | 27,500.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 6,451 |
| Noncurrent loans to loans | 0.0054% | 6,287 |
| Net loans and leases to total assets | 30.5079% | 6,442 |
| Net loans and leases to deposits | 34.0479% | 6,486 |
| Net loans and leases to core deposits | 34.8928% | 6,501 |
| Total domestic deposits to total assets | 89.6027% | 1,275 |
| Equity capital to assets | 7.5362% | 6,266 |
| Core capital (leverage) ratio | 8.0588% | 6,089 |
| Tier 1 risk-based capital ratio | 19.3908% | 1,824 |
| Total risk-based capital ratio | 20.4966% | 1,815 |
| Memoranda: | ||
| Average total assets | $121,435,000 | 4,248 |
| Average earning assets | $113,597,000 | 4,192 |
| Average equity | $9,523,000 | 4,968 |
| Average total loans | $38,362,600 | 5,416 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3225% | 6,019 |
| Cost of funding earning assets | 0.2652% | 5,990 |
| Net interest margin | 3.0573% | 5,444 |
| Noninterest income to average assets | 1.0437% | 1,336 |
| Noninterest expense to average assets | 3.1465% | 2,514 |
| Loan and lease loss provision to assets | 0.0437% | 4,138 |
| Net operating income to assets | 0.6903% | 3,909 |
| Return on assets (ROA) | 0.7359% | 3,800 |
| Pretax return on assets | 0.7577% | 4,466 |
| Return on Equity (ROE) | 9.2955% | 2,494 |
| Retained earnings to average equity (ytd only) | 9.2955% | 970 |
| Net charge-offs to loans | -0.0275% | 6,146 |
| Credit loss provision to net charge-offs | -500.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2611% | 2,226 |
| Assets per employee ($millions) | 3.8061% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,312 |
| Loan loss allowance to noncurrent loans | 13,975.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 6,518 |
| Noncurrent loans to loans | 0.0110% | 6,336 |
| Net loans and leases to total assets | 30.4054% | 6,521 |
| Net loans and leases to deposits | 33.6791% | 6,579 |
| Net loans and leases to core deposits | 34.9560% | 6,589 |
| Total domestic deposits to total assets | 90.2796% | 852 |
| Equity capital to assets | 7.8779% | 6,222 |
| Core capital (leverage) ratio | 8.1102% | 6,142 |
| Tier 1 risk-based capital ratio | 19.6654% | 1,824 |
| Total risk-based capital ratio | 20.8045% | 1,815 |
| Memoranda: | ||
| Average total assets | $122,120,250 | 4,273 |
| Average earning assets | $114,129,750 | 4,219 |
| Average equity | $9,667,500 | 4,984 |
| Average total loans | $38,763,000 | 5,449 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4242% | 5,851 |
| Cost of funding earning assets | 0.2789% | 5,990 |
| Net interest margin | 3.1453% | 5,140 |
| Noninterest income to average assets | 1.0122% | 1,501 |
| Noninterest expense to average assets | 3.1466% | 2,520 |
| Loan and lease loss provision to assets | 0.0648% | 3,729 |
| Net operating income to assets | 0.7228% | 3,705 |
| Return on assets (ROA) | 0.7903% | 3,506 |
| Pretax return on assets | 0.8114% | 4,268 |
| Return on Equity (ROE) | 9.9677% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.9677% | 850 |
| Net charge-offs to loans | -0.0303% | 6,106 |
| Credit loss provision to net charge-offs | -666.6667% | 5,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2466% | 2,418 |
| Assets per employee ($millions) | 3.4829% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 3,701 |
| Loan loss allowance to noncurrent loans | 11,140.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 6,561 |
| Noncurrent loans to loans | 0.0132% | 6,392 |
| Net loans and leases to total assets | 30.5229% | 6,561 |
| Net loans and leases to deposits | 34.5709% | 6,587 |
| Net loans and leases to core deposits | 35.5242% | 6,615 |
| Total domestic deposits to total assets | 88.2906% | 2,052 |
| Equity capital to assets | 7.2296% | 6,537 |
| Core capital (leverage) ratio | 7.7380% | 6,347 |
| Tier 1 risk-based capital ratio | 18.6871% | 2,090 |
| Total risk-based capital ratio | 19.7888% | 2,088 |
| Memoranda: | ||
| Average total assets | $123,497,330 | 4,266 |
| Average earning assets | $115,473,330 | 4,219 |
| Average equity | $9,791,670 | 4,988 |
| Average total loans | $39,539,330 | 5,442 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3662% | 6,011 |
| Cost of funding earning assets | 0.2616% | 6,212 |
| Net interest margin | 3.1047% | 5,245 |
| Noninterest income to average assets | 0.9687% | 1,559 |
| Noninterest expense to average assets | 3.1409% | 2,540 |
| Loan and lease loss provision to assets | 0.0965% | 3,070 |
| Net operating income to assets | 0.6372% | 4,038 |
| Return on assets (ROA) | 0.6372% | 4,199 |
| Pretax return on assets | 0.6340% | 4,825 |
| Return on Equity (ROE) | 7.7035% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.7035% | 1,857 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7174% | 2,375 |
| Assets per employee ($millions) | 3.5719% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 4,384 |
| Loan loss allowance to noncurrent loans | 7,728.5714% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 6,617 |
| Noncurrent loans to loans | 0.0177% | 6,446 |
| Net loans and leases to total assets | 31.1744% | 6,555 |
| Net loans and leases to deposits | 34.5221% | 6,617 |
| Net loans and leases to core deposits | 35.9076% | 6,624 |
| Total domestic deposits to total assets | 90.3028% | 875 |
| Equity capital to assets | 8.2645% | 6,209 |
| Core capital (leverage) ratio | 7.3599% | 6,523 |
| Tier 1 risk-based capital ratio | 17.0528% | 2,722 |
| Total risk-based capital ratio | 18.0619% | 2,818 |
| Memoranda: | ||
| Average total assets | $124,295,000 | 4,298 |
| Average earning assets | $116,212,500 | 4,239 |
| Average equity | $10,281,000 | 4,930 |
| Average total loans | $40,426,500 | 5,446 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4174% | 6,464 |
| Cost of funding earning assets | 0.3027% | 6,439 |
| Net interest margin | 3.1147% | 5,781 |
| Noninterest income to average assets | 0.7773% | 2,354 |
| Noninterest expense to average assets | 4.1289% | 833 |
| Loan and lease loss provision to assets | 0.0722% | 4,831 |
| Net operating income to assets | -0.5233% | 6,582 |
| Return on assets (ROA) | -0.4291% | 6,576 |
| Pretax return on assets | -0.4291% | 6,541 |
| Return on Equity (ROE) | -4.7166% | 6,584 |
| Retained earnings to average equity (ytd only) | -4.7166% | 6,409 |
| Net charge-offs to loans | 0.0936% | 4,737 |
| Credit loss provision to net charge-offs | 241.9355% | 1,025 |
| Earnings coverage of net charge-offs (x) | -15.1290% | 5,955 |
| Efficiency ratio | 111.5354% | 310 |
| Assets per employee ($millions) | 3.7447% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 4,952 |
| Loan loss allowance to noncurrent loans | 6,387.5000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 5,473 |
| Noncurrent loans to loans | 0.0194% | 6,490 |
| Net loans and leases to total assets | 33.0393% | 6,589 |
| Net loans and leases to deposits | 36.6272% | 6,668 |
| Net loans and leases to core deposits | 38.1150% | 6,666 |
| Total domestic deposits to total assets | 90.2043% | 842 |
| Equity capital to assets | 8.2784% | 6,218 |
| Core capital (leverage) ratio | 7.1135% | 6,664 |
| Tier 1 risk-based capital ratio | 16.0197% | 3,152 |
| Total risk-based capital ratio | 16.9367% | 3,283 |
| Memoranda: | ||
| Average total assets | $103,949,000 | 4,733 |
| Average earning assets | $96,797,800 | 4,668 |
| Average equity | $9,456,000 | 5,116 |
| Average total loans | $33,103,400 | 5,797 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3836% | 6,645 |
| Cost of funding earning assets | 0.2947% | 6,639 |
| Net interest margin | 3.0889% | 5,962 |
| Noninterest income to average assets | 1.9533% | 433 |
| Noninterest expense to average assets | 4.4451% | 572 |
| Loan and lease loss provision to assets | 0.0929% | 4,431 |
| Net operating income to assets | 0.2785% | 5,684 |
| Return on assets (ROA) | 0.4039% | 5,459 |
| Pretax return on assets | 0.4254% | 5,658 |
| Return on Equity (ROE) | 4.3184% | 5,141 |
| Retained earnings to average equity (ytd only) | 4.3184% | 3,851 |
| Net charge-offs to loans | 0.0816% | 4,582 |
| Credit loss provision to net charge-offs | 363.1579% | 738 |
| Earnings coverage of net charge-offs (x) | 15.1070% | 1,790 |
| Efficiency ratio | 91.6969% | 904 |
| Assets per employee ($millions) | 3.7753% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 5,366 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 6,676 |
| Noncurrent loans to loans | 0.1074% | 6,348 |
| Net loans and leases to total assets | 33.6842% | 6,672 |
| Net loans and leases to deposits | 37.8154% | 6,757 |
| Net loans and leases to core deposits | 39.3092% | 6,771 |
| Total domestic deposits to total assets | 89.0753% | 1,386 |
| Equity capital to assets | 8.7738% | 6,039 |
| Core capital (leverage) ratio | 7.3409% | 6,699 |
| Tier 1 risk-based capital ratio | 15.7828% | 3,386 |
| Total risk-based capital ratio | 16.6277% | 3,565 |
| Memoranda: | ||
| Average total assets | $99,042,750 | 4,904 |
| Average earning assets | $92,285,000 | 4,840 |
| Average equity | $9,262,500 | 5,206 |
| Average total loans | $31,044,500 | 5,971 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 6,596 |
| Cost of funding earning assets | 0.2866% | 6,777 |
| Net interest margin | 3.2222% | 5,668 |
| Noninterest income to average assets | 1.1829% | 1,019 |
| Noninterest expense to average assets | 3.4636% | 1,873 |
| Loan and lease loss provision to assets | 0.0269% | 5,330 |
| Net operating income to assets | 0.6899% | 3,918 |
| Return on assets (ROA) | 0.9029% | 3,166 |
| Pretax return on assets | 0.9342% | 3,946 |
| Return on Equity (ROE) | 9.3765% | 2,627 |
| Retained earnings to average equity (ytd only) | 9.3765% | 1,146 |
| Net charge-offs to loans | 0.1417% | 3,785 |
| Credit loss provision to net charge-offs | 63.1579% | 3,720 |
| Earnings coverage of net charge-offs (x) | 17.4211% | 1,527 |
| Efficiency ratio | 82.3655% | 1,834 |
| Assets per employee ($millions) | 3.7193% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 3,037 |
| Loan loss allowance to noncurrent loans | 2,090.9091% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 6,769 |
| Noncurrent loans to loans | 0.0836% | 6,450 |
| Net loans and leases to total assets | 28.9821% | 6,901 |
| Net loans and leases to deposits | 32.9785% | 6,939 |
| Net loans and leases to core deposits | 34.9095% | 6,939 |
| Total domestic deposits to total assets | 87.8817% | 2,222 |
| Equity capital to assets | 10.0681% | 4,232 |
| Core capital (leverage) ratio | 8.7536% | 5,290 |
| Tier 1 risk-based capital ratio | 20.6533% | 1,538 |
| Total risk-based capital ratio | 21.8440% | 1,537 |
| Memoranda: | ||
| Average total assets | $89,270,330 | 5,187 |
| Average earning assets | $83,732,330 | 5,110 |
| Average equity | $8,596,000 | 5,384 |
| Average total loans | $26,808,000 | 6,218 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4322% | 6,774 |
| Cost of funding earning assets | 0.2856% | 6,886 |
| Net interest margin | 3.1466% | 5,913 |
| Noninterest income to average assets | 1.1649% | 1,050 |
| Noninterest expense to average assets | 3.4904% | 1,780 |
| Loan and lease loss provision to assets | 0.0269% | 5,020 |
| Net operating income to assets | 0.5825% | 4,431 |
| Return on assets (ROA) | 0.5825% | 4,649 |
| Pretax return on assets | 0.6094% | 5,088 |
| Return on Equity (ROE) | 6.1901% | 4,191 |
| Retained earnings to average equity (ytd only) | 6.1901% | 2,844 |
| Net charge-offs to loans | -0.0296% | 6,336 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5820% | 1,628 |
| Assets per employee ($millions) | 4.0808% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7458% | 3,179 |
| Loan loss allowance to noncurrent loans | 296.8750% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 6,459 |
| Noncurrent loans to loans | 0.5881% | 5,485 |
| Net loans and leases to total assets | 28.4821% | 6,963 |
| Net loans and leases to deposits | 32.4319% | 6,999 |
| Net loans and leases to core deposits | 34.2318% | 6,987 |
| Total domestic deposits to total assets | 87.8211% | 2,441 |
| Equity capital to assets | 9.1403% | 5,306 |
| Core capital (leverage) ratio | 8.5239% | 5,557 |
| Tier 1 risk-based capital ratio | 20.6214% | 1,560 |
| Total risk-based capital ratio | 21.8711% | 1,537 |
| Memoranda: | ||
| Average total assets | $89,274,500 | 5,232 |
| Average earning assets | $84,027,500 | 5,137 |
| Average equity | $8,400,500 | 5,463 |
| Average total loans | $27,047,000 | 6,247 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 6,594 |
| Cost of funding earning assets | 0.3644% | 6,976 |
| Net interest margin | 3.5492% | 4,940 |
| Noninterest income to average assets | 1.5146% | 571 |
| Noninterest expense to average assets | 4.0709% | 936 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7343% | 3,320 |
| Return on assets (ROA) | 0.7343% | 3,493 |
| Pretax return on assets | 0.7654% | 4,098 |
| Return on Equity (ROE) | 7.4674% | 3,164 |
| Retained earnings to average equity (ytd only) | 6.2017% | 1,911 |
| Net charge-offs to loans | 0.1226% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 18.0882% | 1,232 |
| Efficiency ratio | 84.1740% | 1,747 |
| Assets per employee ($millions) | 3.0246% | 6,032 |
| Cash dividends to net income (ytd only)* | 16.9492% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 3,067 |
| Loan loss allowance to noncurrent loans | 1,373.5294% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 6,867 |
| Noncurrent loans to loans | 0.1265% | 6,489 |
| Net loans and leases to total assets | 31.1949% | 6,967 |
| Net loans and leases to deposits | 36.1063% | 6,997 |
| Net loans and leases to core deposits | 38.9500% | 6,969 |
| Total domestic deposits to total assets | 86.3974% | 3,077 |
| Equity capital to assets | 9.7083% | 4,582 |
| Core capital (leverage) ratio | 9.4014% | 4,180 |
| Tier 1 risk-based capital ratio | 21.3475% | 1,344 |
| Total risk-based capital ratio | 22.5986% | 1,321 |
| Memoranda: | ||
| Average total assets | $80,351,000 | 5,451 |
| Average earning assets | $75,199,600 | 5,367 |
| Average equity | $7,901,000 | 5,599 |
| Average total loans | $27,743,400 | 6,261 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 6,481 |
| Cost of funding earning assets | 0.3782% | 7,065 |
| Net interest margin | 3.6880% | 4,394 |
| Noninterest income to average assets | 1.5778% | 532 |
| Noninterest expense to average assets | 4.1934% | 804 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7973% | 3,177 |
| Return on assets (ROA) | 0.7973% | 3,341 |
| Pretax return on assets | 0.8292% | 4,020 |
| Return on Equity (ROE) | 8.0808% | 3,007 |
| Retained earnings to average equity (ytd only) | 6.3760% | 2,307 |
| Net charge-offs to loans | 0.1621% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 14.5008% | 1,530 |
| Efficiency ratio | 83.4896% | 1,792 |
| Assets per employee ($millions) | 2.8697% | 6,374 |
| Cash dividends to net income (ytd only)* | 21.0972% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7746% | 3,026 |
| Loan loss allowance to noncurrent loans | 1,262.1622% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 6,932 |
| Noncurrent loans to loans | 0.1406% | 6,591 |
| Net loans and leases to total assets | 32.1701% | 7,020 |
| Net loans and leases to deposits | 37.3578% | 7,051 |
| Net loans and leases to core deposits | 39.4082% | 7,052 |
| Total domestic deposits to total assets | 86.1134% | 3,161 |
| Equity capital to assets | 10.4678% | 3,749 |
| Core capital (leverage) ratio | 9.5731% | 4,032 |
| Tier 1 risk-based capital ratio | 23.0788% | 1,141 |
| Total risk-based capital ratio | 24.3318% | 1,119 |
| Memoranda: | ||
| Average total assets | $79,266,250 | 5,521 |
| Average earning assets | $74,041,000 | 5,440 |
| Average equity | $7,820,750 | 5,654 |
| Average total loans | $27,957,750 | 6,307 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 6,392 |
| Cost of funding earning assets | 0.3857% | 7,163 |
| Net interest margin | 3.7618% | 3,982 |
| Noninterest income to average assets | 1.6222% | 496 |
| Noninterest expense to average assets | 4.2989% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8060% | 3,043 |
| Return on assets (ROA) | 0.8060% | 3,168 |
| Pretax return on assets | 0.8339% | 3,896 |
| Return on Equity (ROE) | 8.3421% | 2,786 |
| Retained earnings to average equity (ytd only) | 5.7188% | 2,582 |
| Net charge-offs to loans | 0.1965% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,681 |
| Efficiency ratio | 83.7531% | 1,845 |
| Assets per employee ($millions) | 2.4372% | 6,984 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 3,407 |
| Loan loss allowance to noncurrent loans | 1,212.8205% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 6,972 |
| Noncurrent loans to loans | 0.1380% | 6,634 |
| Net loans and leases to total assets | 35.6272% | 6,979 |
| Net loans and leases to deposits | 41.3015% | 7,023 |
| Net loans and leases to core deposits | 43.6304% | 7,020 |
| Total domestic deposits to total assets | 86.2612% | 3,177 |
| Equity capital to assets | 10.3140% | 3,731 |
| Core capital (leverage) ratio | 9.3464% | 4,181 |
| Tier 1 risk-based capital ratio | 21.2393% | 1,376 |
| Total risk-based capital ratio | 22.4897% | 1,354 |
| Memoranda: | ||
| Average total assets | $78,904,670 | 5,578 |
| Average earning assets | $73,634,000 | 5,503 |
| Average equity | $7,624,000 | 5,728 |
| Average total loans | $28,505,000 | 6,343 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 6,580 |
| Cost of funding earning assets | 0.4018% | 7,221 |
| Net interest margin | 3.6595% | 4,285 |
| Noninterest income to average assets | 1.5978% | 520 |
| Noninterest expense to average assets | 4.3094% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7157% | 3,447 |
| Return on assets (ROA) | 0.7157% | 3,509 |
| Pretax return on assets | 0.7308% | 4,187 |
| Return on Equity (ROE) | 7.6612% | 3,067 |
| Retained earnings to average equity (ytd only) | 2.2660% | 4,793 |
| Net charge-offs to loans | 0.1816% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 11.1538% | 1,574 |
| Efficiency ratio | 85.5000% | 1,771 |
| Assets per employee ($millions) | 2.4793% | 7,014 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 3,126 |
| Loan loss allowance to noncurrent loans | 1,220.0000% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 7,038 |
| Noncurrent loans to loans | 0.1445% | 6,688 |
| Net loans and leases to total assets | 34.2757% | 7,084 |
| Net loans and leases to deposits | 38.9953% | 7,133 |
| Net loans and leases to core deposits | 43.0623% | 7,071 |
| Total domestic deposits to total assets | 87.8970% | 2,427 |
| Equity capital to assets | 9.3652% | 4,631 |
| Core capital (leverage) ratio | 8.8649% | 4,832 |
| Tier 1 risk-based capital ratio | 20.7330% | 1,443 |
| Total risk-based capital ratio | 21.9837% | 1,418 |
| Memoranda: | ||
| Average total assets | $79,361,500 | 5,604 |
| Average earning assets | $74,655,000 | 5,519 |
| Average equity | $7,414,000 | 5,799 |
| Average total loans | $28,628,000 | 6,389 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 6,798 |
| Cost of funding earning assets | 0.6120% | 7,103 |
| Net interest margin | 3.6825% | 4,431 |
| Noninterest income to average assets | 1.7652% | 483 |
| Noninterest expense to average assets | 4.5056% | 647 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6857% | 3,277 |
| Return on assets (ROA) | 0.6857% | 3,407 |
| Pretax return on assets | 0.7066% | 3,954 |
| Return on Equity (ROE) | 7.4603% | 2,911 |
| Retained earnings to average equity (ytd only) | 6.4594% | 1,577 |
| Net charge-offs to loans | 0.1793% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 11.5200% | 1,599 |
| Efficiency ratio | 86.4439% | 1,645 |
| Assets per employee ($millions) | 2.4808% | 7,035 |
| Cash dividends to net income (ytd only)* | 13.4168% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 3,236 |
| Loan loss allowance to noncurrent loans | 1,022.4490% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 7,073 |
| Noncurrent loans to loans | 0.1657% | 6,739 |
| Net loans and leases to total assets | 36.6231% | 7,128 |
| Net loans and leases to deposits | 43.7868% | 7,124 |
| Net loans and leases to core deposits | 48.6041% | 7,044 |
| Total domestic deposits to total assets | 83.6396% | 4,531 |
| Equity capital to assets | 9.3189% | 4,663 |
| Core capital (leverage) ratio | 9.0125% | 4,529 |
| Tier 1 risk-based capital ratio | 19.4217% | 1,613 |
| Total risk-based capital ratio | 20.6742% | 1,581 |
| Memoranda: | ||
| Average total assets | $81,521,200 | 5,549 |
| Average earning assets | $76,306,400 | 5,472 |
| Average equity | $7,493,000 | 5,877 |
| Average total loans | $27,890,400 | 6,501 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3286% | 6,928 |
| Cost of funding earning assets | 0.6588% | 7,157 |
| Net interest margin | 3.6697% | 4,539 |
| Noninterest income to average assets | 1.7793% | 461 |
| Noninterest expense to average assets | 4.4522% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7361% | 3,254 |
| Return on assets (ROA) | 0.7361% | 3,415 |
| Pretax return on assets | 0.7572% | 4,059 |
| Return on Equity (ROE) | 8.0351% | 2,882 |
| Retained earnings to average equity (ytd only) | 6.7049% | 1,985 |
| Net charge-offs to loans | 0.1456% | 5,139 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 15.5330% | 1,433 |
| Efficiency ratio | 85.4648% | 1,686 |
| Assets per employee ($millions) | 2.4693% | 7,110 |
| Cash dividends to net income (ytd only)* | 16.5568% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8780% | 2,547 |
| Loan loss allowance to noncurrent loans | 4,341.6667% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 7,328 |
| Noncurrent loans to loans | 0.0433% | 7,139 |
| Net loans and leases to total assets | 34.4487% | 7,330 |
| Net loans and leases to deposits | 39.9111% | 7,373 |
| Net loans and leases to core deposits | 45.4456% | 7,276 |
| Total domestic deposits to total assets | 86.3134% | 2,909 |
| Equity capital to assets | 9.9179% | 4,268 |
| Core capital (leverage) ratio | 8.6729% | 5,235 |
| Tier 1 risk-based capital ratio | 19.6692% | 1,611 |
| Total risk-based capital ratio | 20.9232% | 1,579 |
| Memoranda: | ||
| Average total assets | $82,054,750 | 5,596 |
| Average earning assets | $76,698,000 | 5,522 |
| Average equity | $7,516,750 | 5,940 |
| Average total loans | $27,469,250 | 6,615 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 6,986 |
| Cost of funding earning assets | 0.6852% | 7,223 |
| Net interest margin | 3.6503% | 4,578 |
| Noninterest income to average assets | 1.7360% | 439 |
| Noninterest expense to average assets | 4.3387% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7994% | 2,979 |
| Return on assets (ROA) | 0.7994% | 3,118 |
| Pretax return on assets | 0.8090% | 3,850 |
| Return on Equity (ROE) | 8.9609% | 2,483 |
| Retained earnings to average equity (ytd only) | 6.9366% | 1,864 |
| Net charge-offs to loans | 0.1534% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,425 |
| Efficiency ratio | 84.2844% | 1,891 |
| Assets per employee ($millions) | 2.6095% | 6,936 |
| Cash dividends to net income (ytd only)* | 22.5904% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 2,573 |
| Loan loss allowance to noncurrent loans | 5,888.8889% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 7,384 |
| Noncurrent loans to loans | 0.0314% | 7,244 |
| Net loans and leases to total assets | 34.8164% | 7,396 |
| Net loans and leases to deposits | 40.4987% | 7,434 |
| Net loans and leases to core deposits | 46.3765% | 7,335 |
| Total domestic deposits to total assets | 85.9691% | 3,112 |
| Equity capital to assets | 9.5497% | 4,634 |
| Core capital (leverage) ratio | 8.4167% | 5,550 |
| Tier 1 risk-based capital ratio | 18.4372% | 1,849 |
| Total risk-based capital ratio | 19.6898% | 1,820 |
| Memoranda: | ||
| Average total assets | $83,066,670 | 5,593 |
| Average earning assets | $77,638,000 | 5,524 |
| Average equity | $7,410,000 | 5,994 |
| Average total loans | $27,378,330 | 6,670 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 7,122 |
| Cost of funding earning assets | 0.7054% | 7,323 |
| Net interest margin | 3.6030% | 4,714 |
| Noninterest income to average assets | 1.6636% | 460 |
| Noninterest expense to average assets | 4.2636% | 751 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7938% | 2,995 |
| Return on assets (ROA) | 0.7938% | 3,107 |
| Pretax return on assets | 0.7748% | 3,970 |
| Return on Equity (ROE) | 9.2106% | 2,425 |
| Retained earnings to average equity (ytd only) | 9.2106% | 1,344 |
| Net charge-offs to loans | 0.1198% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 20.3750% | 1,159 |
| Efficiency ratio | 84.6226% | 1,961 |
| Assets per employee ($millions) | 2.6278% | 6,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0520% | 2,055 |
| Loan loss allowance to noncurrent loans | 2,585.7143% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 7,429 |
| Noncurrent loans to loans | 0.0794% | 7,193 |
| Net loans and leases to total assets | 30.8237% | 7,598 |
| Net loans and leases to deposits | 35.3144% | 7,635 |
| Net loans and leases to core deposits | 42.0941% | 7,524 |
| Total domestic deposits to total assets | 87.2836% | 2,476 |
| Equity capital to assets | 8.7741% | 5,603 |
| Core capital (leverage) ratio | 8.0911% | 6,096 |
| Tier 1 risk-based capital ratio | 18.6279% | 1,806 |
| Total risk-based capital ratio | 19.8718% | 1,774 |
| Memoranda: | ||
| Average total assets | $84,153,500 | 5,629 |
| Average earning assets | $78,823,500 | 5,550 |
| Average equity | $7,252,500 | 6,097 |
| Average total loans | $26,720,500 | 6,792 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9905% | 6,464 |
| Cost of funding earning assets | 0.8626% | 7,467 |
| Net interest margin | 4.1279% | 2,329 |
| Noninterest income to average assets | 2.0882% | 352 |
| Noninterest expense to average assets | 4.8294% | 595 |
| Loan and lease loss provision to assets | 0.0665% | 6,912 |
| Net operating income to assets | 0.9417% | 2,041 |
| Return on assets (ROA) | 0.9417% | 2,096 |
| Pretax return on assets | 0.9856% | 2,640 |
| Return on Equity (ROE) | 10.1082% | 1,660 |
| Retained earnings to average equity (ytd only) | 5.1255% | 1,753 |
| Net charge-offs to loans | 0.7008% | 3,083 |
| Credit loss provision to net charge-offs | 23.9234% | 6,923 |
| Earnings coverage of net charge-offs (x) | 3.7847% | 3,200 |
| Efficiency ratio | 82.1122% | 2,580 |
| Assets per employee ($millions) | 2.5521% | 7,117 |
| Cash dividends to net income (ytd only)* | 49.2938% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0423% | 1,934 |
| Loan loss allowance to noncurrent loans | 4,591.6667% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 7,494 |
| Noncurrent loans to loans | 0.0445% | 7,322 |
| Net loans and leases to total assets | 31.3801% | 7,678 |
| Net loans and leases to deposits | 35.3330% | 7,736 |
| Net loans and leases to core deposits | 45.5451% | 7,676 |
| Total domestic deposits to total assets | 88.8125% | 1,567 |
| Equity capital to assets | 8.4625% | 5,944 |
| Core capital (leverage) ratio | 8.2408% | 5,749 |
| Tier 1 risk-based capital ratio | 17.5250% | 2,016 |
| Total risk-based capital ratio | 18.7619% | 1,985 |
| Memoranda: | ||
| Average total assets | $75,185,000 | 5,865 |
| Average earning assets | $69,090,600 | 5,838 |
| Average equity | $7,004,200 | 6,267 |
| Average total loans | $29,821,400 | 6,633 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2356% | 5,740 |
| Cost of funding earning assets | 0.8999% | 7,559 |
| Net interest margin | 4.3357% | 1,627 |
| Noninterest income to average assets | 2.0989% | 335 |
| Noninterest expense to average assets | 4.9784% | 497 |
| Loan and lease loss provision to assets | 0.0914% | 6,452 |
| Net operating income to assets | 0.9489% | 2,236 |
| Return on assets (ROA) | 0.9489% | 2,298 |
| Pretax return on assets | 0.9928% | 2,931 |
| Return on Equity (ROE) | 9.9230% | 1,944 |
| Retained earnings to average equity (ytd only) | 3.2503% | 3,494 |
| Net charge-offs to loans | 0.8384% | 2,284 |
| Credit loss provision to net charge-offs | 26.0417% | 6,528 |
| Earnings coverage of net charge-offs (x) | 3.0886% | 3,691 |
| Efficiency ratio | 82.1170% | 2,565 |
| Assets per employee ($millions) | 2.2887% | 7,514 |
| Cash dividends to net income (ytd only)* | 67.2447% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0133% | 1,770 |
| Loan loss allowance to noncurrent loans | 5,163.6364% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 7,556 |
| Noncurrent loans to loans | 0.0390% | 7,417 |
| Net loans and leases to total assets | 36.6010% | 7,598 |
| Net loans and leases to deposits | 42.4652% | 7,662 |
| Net loans and leases to core deposits | 49.0237% | 7,709 |
| Total domestic deposits to total assets | 86.1906% | 2,594 |
| Equity capital to assets | 9.4561% | 4,805 |
| Core capital (leverage) ratio | 8.5683% | 5,353 |
| Tier 1 risk-based capital ratio | 17.5029% | 2,119 |
| Total risk-based capital ratio | 18.7230% | 2,085 |
| Memoranda: | ||
| Average total assets | $72,926,500 | 5,955 |
| Average earning assets | $66,670,250 | 5,950 |
| Average equity | $6,973,500 | 6,323 |
| Average total loans | $30,532,000 | 6,655 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4247% | 5,015 |
| Cost of funding earning assets | 0.9199% | 7,672 |
| Net interest margin | 4.5048% | 1,160 |
| Noninterest income to average assets | 2.0372% | 358 |
| Noninterest expense to average assets | 4.9154% | 547 |
| Loan and lease loss provision to assets | 0.1110% | 6,039 |
| Net operating income to assets | 1.0547% | 1,933 |
| Return on assets (ROA) | 1.0547% | 2,005 |
| Pretax return on assets | 1.1019% | 2,630 |
| Return on Equity (ROE) | 10.9869% | 1,704 |
| Retained earnings to average equity (ytd only) | 2.0528% | 4,202 |
| Net charge-offs to loans | 0.6900% | 2,323 |
| Credit loss provision to net charge-offs | 37.0370% | 5,942 |
| Earnings coverage of net charge-offs (x) | 4.0463% | 3,235 |
| Efficiency ratio | 80.2083% | 3,013 |
| Assets per employee ($millions) | 2.3712% | 7,471 |
| Cash dividends to net income (ytd only)* | 81.3158% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1477% | 1,321 |
| Loan loss allowance to noncurrent loans | 729.5455% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 7,272 |
| Noncurrent loans to loans | 0.2944% | 6,778 |
| Net loans and leases to total assets | 38.5500% | 7,618 |
| Net loans and leases to deposits | 45.3553% | 7,661 |
| Net loans and leases to core deposits | 50.1354% | 7,761 |
| Total domestic deposits to total assets | 84.9957% | 3,259 |
| Equity capital to assets | 9.0474% | 5,247 |
| Core capital (leverage) ratio | 8.8232% | 4,907 |
| Tier 1 risk-based capital ratio | 16.2861% | 2,524 |
| Total risk-based capital ratio | 17.4857% | 2,483 |
| Memoranda: | ||
| Average total assets | $72,059,330 | 6,029 |
| Average earning assets | $65,441,670 | 6,029 |
| Average equity | $6,917,330 | 6,398 |
| Average total loans | $31,305,330 | 6,651 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4982% | 4,919 |
| Cost of funding earning assets | 0.9856% | 7,689 |
| Net interest margin | 4.5126% | 1,106 |
| Noninterest income to average assets | 2.0413% | 353 |
| Noninterest expense to average assets | 4.9380% | 506 |
| Loan and lease loss provision to assets | 0.0570% | 6,249 |
| Net operating income to assets | 1.1461% | 1,820 |
| Return on assets (ROA) | 1.1461% | 1,943 |
| Pretax return on assets | 1.1974% | 2,635 |
| Return on Equity (ROE) | 11.5792% | 1,788 |
| Retained earnings to average equity (ytd only) | -6.1640% | 6,706 |
| Net charge-offs to loans | 1.2371% | 1,133 |
| Credit loss provision to net charge-offs | 10.1010% | 5,199 |
| Earnings coverage of net charge-offs (x) | 2.2222% | 3,630 |
| Efficiency ratio | 79.7422% | 2,855 |
| Assets per employee ($millions) | 1.9025% | 7,961 |
| Cash dividends to net income (ytd only)* | 153.2338% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0091% | 1,396 |
| Loan loss allowance to noncurrent loans | 187.0482% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 6,025 |
| Noncurrent loans to loans | 1.0741% | 4,831 |
| Net loans and leases to total assets | 44.2232% | 7,318 |
| Net loans and leases to deposits | 51.3870% | 7,438 |
| Net loans and leases to core deposits | 53.8367% | 7,682 |
| Total domestic deposits to total assets | 86.0591% | 2,679 |
| Equity capital to assets | 9.9359% | 4,071 |
| Core capital (leverage) ratio | 8.5080% | 5,518 |
| Tier 1 risk-based capital ratio | 15.9982% | 2,689 |
| Total risk-based capital ratio | 17.1769% | 2,655 |
| Memoranda: | ||
| Average total assets | $70,150,000 | 6,110 |
| Average earning assets | $64,530,500 | 6,084 |
| Average equity | $6,943,500 | 6,435 |
| Average total loans | $32,011,500 | 6,646 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8686% | 6,188 |
| Cost of funding earning assets | 1.6744% | 7,320 |
| Net interest margin | 4.1942% | 2,335 |
| Noninterest income to average assets | 2.3350% | 277 |
| Noninterest expense to average assets | 4.8389% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2621% | 1,595 |
| Return on assets (ROA) | 1.2621% | 1,542 |
| Pretax return on assets | 1.3125% | 2,270 |
| Return on Equity (ROE) | 14.6598% | 983 |
| Retained earnings to average equity (ytd only) | 13.1733% | 155 |
| Net charge-offs to loans | 0.3329% | 3,172 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 8.7636% | 2,825 |
| Efficiency ratio | 78.6631% | 2,810 |
| Assets per employee ($millions) | 1.7515% | 8,070 |
| Cash dividends to net income (ytd only)* | 10.1402% | 4,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1441% | 1,009 |
| Loan loss allowance to noncurrent loans | 302.1277% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 6,298 |
| Noncurrent loans to loans | 0.7097% | 5,262 |
| Net loans and leases to total assets | 45.1240% | 7,398 |
| Net loans and leases to deposits | 52.4158% | 7,516 |
| Net loans and leases to core deposits | 59.1001% | 7,620 |
| Total domestic deposits to total assets | 86.0885% | 2,362 |
| Equity capital to assets | 9.8620% | 4,205 |
| Core capital (leverage) ratio | 8.5460% | 5,486 |
| Tier 1 risk-based capital ratio | 16.0901% | 2,630 |
| Total risk-based capital ratio | 17.3120% | 2,586 |
| Memoranda: | ||
| Average total assets | $73,446,800 | 5,924 |
| Average earning assets | $66,830,000 | 5,938 |
| Average equity | $6,323,400 | 6,695 |
| Average total loans | $33,042,800 | 6,543 |