Home > The State Savings Bank of Manistique > Performance and Condition Ratios
The State Savings Bank of Manistique, 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 | 4.0184% | 3,939 |
| Cost of funding earning assets | 0.9857% | 3,324 |
| Net interest margin | 3.0327% | 3,216 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.2580% | 2,963 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.6414% | 3,336 |
| Return on assets (ROA) | 0.6240% | 3,359 |
| Pretax return on assets | 0.7401% | 3,358 |
| Return on Equity (ROE) | 11.0000% | 2,224 |
| Retained earnings to average equity (ytd only) | 4.5826% | 2,761 |
| Net charge-offs to loans | 0.1176% | 816 |
| Credit loss provision to net charge-offs | 109.7561% | 1,758 |
| Earnings coverage of net charge-offs (x) | 15.8780% | 2,032 |
| Efficiency ratio | 73.4231% | 1,516 |
| Assets per employee ($millions) | 6.6305% | 2,316 |
| Cash dividends to net income (ytd only)* | 58.3501% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 1,913 |
| Loan loss allowance to noncurrent loans | 637.1622% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 2,903 |
| Noncurrent loans to loans | 0.1997% | 2,512 |
| Net loans and leases to total assets | 45.9800% | 3,815 |
| Net loans and leases to deposits | 53.0426% | 3,833 |
| Net loans and leases to core deposits | 54.4185% | 3,966 |
| Total domestic deposits to total assets | 86.6900% | 1,794 |
| Equity capital to assets | 6.2476% | 4,183 |
| Core capital (leverage) ratio | 10.5730% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $159,300,200 | 3,276 |
| Average earning assets | $146,501,600 | 3,281 |
| Average equity | $9,034,200 | 3,818 |
| Average total loans | $69,743,400 | 3,552 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 3,854 |
| Cost of funding earning assets | 0.8907% | 3,295 |
| Net interest margin | 3.1026% | 3,138 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.2467% | 2,950 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7060% | 3,313 |
| Return on assets (ROA) | 0.6811% | 3,352 |
| Pretax return on assets | 0.7581% | 3,431 |
| Return on Equity (ROE) | 12.3200% | 2,046 |
| Retained earnings to average equity (ytd only) | 6.8730% | 2,338 |
| Net charge-offs to loans | 0.1224% | 660 |
| Credit loss provision to net charge-offs | 107.9365% | 1,564 |
| Earnings coverage of net charge-offs (x) | 15.9841% | 1,945 |
| Efficiency ratio | 72.7248% | 1,480 |
| Assets per employee ($millions) | 6.4085% | 2,389 |
| Cash dividends to net income (ytd only)* | 44.2260% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 1,797 |
| Loan loss allowance to noncurrent loans | 332.1555% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 2,406 |
| Noncurrent loans to loans | 0.3959% | 1,841 |
| Net loans and leases to total assets | 44.0400% | 3,910 |
| Net loans and leases to deposits | 50.3393% | 3,922 |
| Net loans and leases to core deposits | 51.3696% | 3,996 |
| Total domestic deposits to total assets | 87.4800% | 1,746 |
| Equity capital to assets | 5.1219% | 4,228 |
| Core capital (leverage) ratio | 10.5358% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $159,342,250 | 3,295 |
| Average earning assets | $146,241,500 | 3,293 |
| Average equity | $8,807,250 | 3,846 |
| Average total loans | $68,649,500 | 3,583 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 3,997 |
| Cost of funding earning assets | 0.7552% | 3,333 |
| Net interest margin | 3.0601% | 3,300 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.3301% | 2,714 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6024% | 3,565 |
| Return on assets (ROA) | 0.5659% | 3,674 |
| Pretax return on assets | 0.6451% | 3,712 |
| Return on Equity (ROE) | 9.9900% | 2,700 |
| Retained earnings to average equity (ytd only) | 4.6627% | 3,039 |
| Net charge-offs to loans | 0.3574% | 237 |
| Credit loss provision to net charge-offs | 37.1901% | 1,718 |
| Earnings coverage of net charge-offs (x) | 4.8843% | 2,200 |
| Efficiency ratio | 75.8183% | 1,186 |
| Assets per employee ($millions) | 5.6243% | 3,040 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,320 |
| Loan loss allowance to noncurrent loans | 1,244.9275% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 3,336 |
| Noncurrent loans to loans | 0.0984% | 2,999 |
| Net loans and leases to total assets | 44.0000% | 3,874 |
| Net loans and leases to deposits | 50.8693% | 3,885 |
| Net loans and leases to core deposits | 51.9782% | 3,955 |
| Total domestic deposits to total assets | 86.4900% | 2,091 |
| Equity capital to assets | 5.5416% | 4,285 |
| Core capital (leverage) ratio | 10.4202% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $159,052,000 | 3,306 |
| Average earning assets | $147,250,667 | 3,305 |
| Average equity | $9,007,667 | 3,846 |
| Average total loans | $67,702,333 | 3,599 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7022% | 4,017 |
| Cost of funding earning assets | 0.6552% | 3,203 |
| Net interest margin | 3.0470% | 3,472 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.0321% | 3,553 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8771% | 2,931 |
| Return on assets (ROA) | 0.8333% | 3,037 |
| Pretax return on assets | 0.9059% | 3,218 |
| Return on Equity (ROE) | 14.5600% | 1,653 |
| Retained earnings to average equity (ytd only) | 9.3135% | 1,861 |
| Net charge-offs to loans | -0.0120% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.8313% | 2,109 |
| Assets per employee ($millions) | 5.4731% | 3,245 |
| Cash dividends to net income (ytd only)* | 36.0360% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 1,486 |
| Loan loss allowance to noncurrent loans | 931.0680% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 3,144 |
| Noncurrent loans to loans | 0.1540% | 2,720 |
| Net loans and leases to total assets | 41.5300% | 3,973 |
| Net loans and leases to deposits | 47.1566% | 3,991 |
| Net loans and leases to core deposits | 48.1599% | 4,046 |
| Total domestic deposits to total assets | 88.0700% | 1,906 |
| Equity capital to assets | 6.1329% | 4,156 |
| Core capital (leverage) ratio | 10.4133% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $159,837,500 | 3,341 |
| Average earning assets | $148,344,000 | 3,328 |
| Average equity | $9,148,000 | 3,877 |
| Average total loans | $66,480,000 | 3,660 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4162% | 3,304 |
| Cost of funding earning assets | 0.3405% | 2,552 |
| Net interest margin | 3.0757% | 3,241 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.3401% | 2,614 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.5887% | 3,908 |
| Return on assets (ROA) | 0.5887% | 3,870 |
| Pretax return on assets | 0.6717% | 3,909 |
| Return on Equity (ROE) | 8.6400% | 3,220 |
| Retained earnings to average equity (ytd only) | 3.4074% | 3,592 |
| Net charge-offs to loans | 0.1423% | 573 |
| Credit loss provision to net charge-offs | 102.2727% | 1,539 |
| Earnings coverage of net charge-offs (x) | 13.4432% | 2,069 |
| Efficiency ratio | 76.2973% | 979 |
| Assets per employee ($millions) | 5.3652% | 3,355 |
| Cash dividends to net income (ytd only)* | 60.5428% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,072 |
| Loan loss allowance to noncurrent loans | 1,847.3684% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,598 |
| Noncurrent loans to loans | 0.0575% | 3,346 |
| Net loans and leases to total assets | 40.6200% | 4,045 |
| Net loans and leases to deposits | 46.6149% | 4,027 |
| Net loans and leases to core deposits | 47.2243% | 4,081 |
| Total domestic deposits to total assets | 87.1400% | 2,355 |
| Equity capital to assets | 5.3195% | 4,285 |
| Core capital (leverage) ratio | 10.2452% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $162,725,000 | 3,326 |
| Average earning assets | $147,706,800 | 3,346 |
| Average equity | $11,093,600 | 3,753 |
| Average total loans | $61,861,400 | 3,694 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3302% | 3,099 |
| Cost of funding earning assets | 0.2915% | 2,261 |
| Net interest margin | 3.0387% | 3,119 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.1303% | 3,130 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.7158% | 3,522 |
| Return on assets (ROA) | 0.7158% | 3,469 |
| Pretax return on assets | 0.7959% | 3,585 |
| Return on Equity (ROE) | 9.9600% | 2,735 |
| Retained earnings to average equity (ytd only) | 5.8669% | 2,797 |
| Net charge-offs to loans | 0.1864% | 362 |
| Credit loss provision to net charge-offs | 80.0000% | 1,421 |
| Earnings coverage of net charge-offs (x) | 12.2588% | 1,924 |
| Efficiency ratio | 71.4442% | 1,596 |
| Assets per employee ($millions) | 5.5447% | 3,172 |
| Cash dividends to net income (ytd only)* | 41.0959% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,184 |
| Loan loss allowance to noncurrent loans | 1,797.3684% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,719 |
| Noncurrent loans to loans | 0.0592% | 3,457 |
| Net loans and leases to total assets | 38.2000% | 4,139 |
| Net loans and leases to deposits | 42.8374% | 4,155 |
| Net loans and leases to core deposits | 43.3693% | 4,189 |
| Total domestic deposits to total assets | 89.1700% | 2,020 |
| Equity capital to assets | 5.2988% | 4,191 |
| Core capital (leverage) ratio | 10.1835% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $163,167,250 | 3,351 |
| Average earning assets | $147,294,750 | 3,374 |
| Average equity | $11,726,500 | 3,742 |
| Average total loans | $60,805,500 | 3,731 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2124% | 3,002 |
| Cost of funding earning assets | 0.2263% | 2,566 |
| Net interest margin | 2.9861% | 2,922 |
| Noninterest income to average assets | 0.2307% | 3,802 |
| Noninterest expense to average assets | 2.1331% | 3,053 |
| Loan and lease loss provision to assets | 0.0555% | 1,585 |
| Net operating income to assets | 0.6588% | 3,445 |
| Return on assets (ROA) | 0.6588% | 3,395 |
| Pretax return on assets | 0.7439% | 3,468 |
| Return on Equity (ROE) | 8.4112% | 2,892 |
| Retained earnings to average equity (ytd only) | 4.6309% | 2,839 |
| Net charge-offs to loans | 0.2950% | 238 |
| Credit loss provision to net charge-offs | 51.1364% | 1,486 |
| Earnings coverage of net charge-offs (x) | 7.3636% | 1,857 |
| Efficiency ratio | 72.7387% | 1,663 |
| Assets per employee ($millions) | 5.2590% | 3,464 |
| Cash dividends to net income (ytd only)* | 44.9438% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,316 |
| Loan loss allowance to noncurrent loans | 461.9718% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 3,094 |
| Noncurrent loans to loans | 0.2298% | 2,572 |
| Net loans and leases to total assets | 38.7494% | 4,131 |
| Net loans and leases to deposits | 43.6417% | 4,123 |
| Net loans and leases to core deposits | 44.6072% | 4,174 |
| Total domestic deposits to total assets | 88.7900% | 2,266 |
| Equity capital to assets | 6.3688% | 4,073 |
| Core capital (leverage) ratio | 10.3217% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,109,333 | 3,390 |
| Average earning assets | $146,680,333 | 3,429 |
| Average equity | $12,697,333 | 3,710 |
| Average total loans | $59,667,667 | 3,787 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2143% | 2,641 |
| Cost of funding earning assets | 0.2199% | 2,531 |
| Net interest margin | 2.9944% | 2,520 |
| Noninterest income to average assets | 0.2313% | 3,762 |
| Noninterest expense to average assets | 2.1037% | 3,133 |
| Loan and lease loss provision to assets | 0.0536% | 1,425 |
| Net operating income to assets | 0.7086% | 3,029 |
| Return on assets (ROA) | 0.7086% | 3,012 |
| Pretax return on assets | 0.7597% | 3,228 |
| Return on Equity (ROE) | 8.3012% | 2,582 |
| Retained earnings to average equity (ytd only) | 4.8780% | 2,635 |
| Net charge-offs to loans | 0.1024% | 509 |
| Credit loss provision to net charge-offs | 146.6667% | 871 |
| Earnings coverage of net charge-offs (x) | 22.2667% | 1,241 |
| Efficiency ratio | 72.1202% | 1,960 |
| Assets per employee ($millions) | 5.3973% | 3,392 |
| Cash dividends to net income (ytd only)* | 41.2371% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,844 |
| Loan loss allowance to noncurrent loans | 918.1818% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,564 |
| Noncurrent loans to loans | 0.1310% | 3,157 |
| Net loans and leases to total assets | 35.8584% | 4,219 |
| Net loans and leases to deposits | 39.8105% | 4,254 |
| Net loans and leases to core deposits | 41.0834% | 4,275 |
| Total domestic deposits to total assets | 90.0729% | 1,521 |
| Equity capital to assets | 7.6118% | 3,848 |
| Core capital (leverage) ratio | 9.6926% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,279,000 | 3,389 |
| Average earning assets | $147,340,500 | 3,434 |
| Average equity | $14,022,000 | 3,656 |
| Average total loans | $58,606,000 | 3,815 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3131% | 3,166 |
| Cost of funding earning assets | 0.2926% | 2,474 |
| Net interest margin | 3.0205% | 3,144 |
| Noninterest income to average assets | 0.3193% | 3,496 |
| Noninterest expense to average assets | 2.2059% | 3,062 |
| Loan and lease loss provision to assets | 0.0575% | 1,908 |
| Net operating income to assets | 0.6393% | 3,773 |
| Return on assets (ROA) | 0.6393% | 3,830 |
| Pretax return on assets | 0.7191% | 3,890 |
| Return on Equity (ROE) | 6.1408% | 3,743 |
| Retained earnings to average equity (ytd only) | 2.5827% | 3,801 |
| Net charge-offs to loans | 0.0209% | 1,852 |
| Credit loss provision to net charge-offs | 750.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 101.3333% | 877 |
| Efficiency ratio | 73.9615% | 1,307 |
| Assets per employee ($millions) | 5.5546% | 3,211 |
| Cash dividends to net income (ytd only)* | 57.9421% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 2,895 |
| Loan loss allowance to noncurrent loans | 1,627.9070% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,868 |
| Noncurrent loans to loans | 0.0736% | 3,564 |
| Net loans and leases to total assets | 34.6518% | 4,350 |
| Net loans and leases to deposits | 38.9264% | 4,372 |
| Net loans and leases to core deposits | 40.1481% | 4,388 |
| Total domestic deposits to total assets | 89.0187% | 1,504 |
| Equity capital to assets | 9.4330% | 3,199 |
| Core capital (leverage) ratio | 9.4590% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,581,400 | 3,427 |
| Average earning assets | $138,056,800 | 3,498 |
| Average equity | $16,300,800 | 3,516 |
| Average total loans | $57,352,600 | 3,865 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3538% | 3,235 |
| Cost of funding earning assets | 0.3119% | 2,480 |
| Net interest margin | 3.0419% | 3,201 |
| Noninterest income to average assets | 0.2882% | 3,729 |
| Noninterest expense to average assets | 2.1566% | 3,204 |
| Loan and lease loss provision to assets | 0.0591% | 1,811 |
| Net operating income to assets | 0.6854% | 3,806 |
| Return on assets (ROA) | 0.6854% | 3,866 |
| Pretax return on assets | 0.7486% | 3,993 |
| Return on Equity (ROE) | 6.4208% | 3,816 |
| Retained earnings to average equity (ytd only) | 3.5022% | 3,739 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7591% | 1,337 |
| Assets per employee ($millions) | 5.6232% | 3,070 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 3,138 |
| Loan loss allowance to noncurrent loans | 2,875.0000% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,123 |
| Noncurrent loans to loans | 0.0406% | 3,921 |
| Net loans and leases to total assets | 34.6726% | 4,439 |
| Net loans and leases to deposits | 39.3389% | 4,476 |
| Net loans and leases to core deposits | 40.6416% | 4,491 |
| Total domestic deposits to total assets | 88.1384% | 1,755 |
| Equity capital to assets | 9.7484% | 3,153 |
| Core capital (leverage) ratio | 9.7249% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,067,250 | 3,482 |
| Average earning assets | $135,526,250 | 3,562 |
| Average equity | $16,446,250 | 3,557 |
| Average total loans | $57,080,000 | 3,925 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5025% | 2,886 |
| Cost of funding earning assets | 0.3489% | 2,326 |
| Net interest margin | 3.1536% | 2,887 |
| Noninterest income to average assets | 0.2855% | 3,713 |
| Noninterest expense to average assets | 2.2307% | 2,979 |
| Loan and lease loss provision to assets | 0.0603% | 1,829 |
| Net operating income to assets | 0.6850% | 3,795 |
| Return on assets (ROA) | 0.6850% | 3,860 |
| Pretax return on assets | 0.7454% | 3,981 |
| Return on Equity (ROE) | 6.2140% | 3,855 |
| Retained earnings to average equity (ytd only) | 3.2955% | 3,741 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4658% | 1,290 |
| Assets per employee ($millions) | 5.2027% | 3,453 |
| Cash dividends to net income (ytd only)* | 46.9667% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 3,004 |
| Loan loss allowance to noncurrent loans | 542.2764% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 3,066 |
| Noncurrent loans to loans | 0.2192% | 3,167 |
| Net loans and leases to total assets | 35.5279% | 4,476 |
| Net loans and leases to deposits | 40.7843% | 4,499 |
| Net loans and leases to core deposits | 41.2912% | 4,546 |
| Total domestic deposits to total assets | 87.1117% | 2,261 |
| Equity capital to assets | 10.4536% | 2,433 |
| Core capital (leverage) ratio | 10.2919% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,191,333 | 3,532 |
| Average earning assets | $130,135,667 | 3,624 |
| Average equity | $16,446,667 | 3,562 |
| Average total loans | $56,379,667 | 3,965 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 1,772 |
| Cost of funding earning assets | 0.3669% | 2,381 |
| Net interest margin | 3.5586% | 1,682 |
| Noninterest income to average assets | 0.1729% | 4,331 |
| Noninterest expense to average assets | 2.3026% | 2,784 |
| Loan and lease loss provision to assets | 0.0631% | 1,873 |
| Net operating income to assets | 0.7520% | 3,570 |
| Return on assets (ROA) | 0.7520% | 3,640 |
| Pretax return on assets | 0.8151% | 3,782 |
| Return on Equity (ROE) | 6.6376% | 3,692 |
| Retained earnings to average equity (ytd only) | 3.7306% | 3,582 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3900% | 1,459 |
| Assets per employee ($millions) | 4.9587% | 3,707 |
| Cash dividends to net income (ytd only)* | 43.7956% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 3,122 |
| Loan loss allowance to noncurrent loans | 3,225.0000% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 3,572 |
| Noncurrent loans to loans | 0.0361% | 4,102 |
| Net loans and leases to total assets | 36.7845% | 4,469 |
| Net loans and leases to deposits | 42.3498% | 4,481 |
| Net loans and leases to core deposits | 42.9019% | 4,534 |
| Total domestic deposits to total assets | 86.8588% | 2,365 |
| Equity capital to assets | 10.8234% | 1,990 |
| Core capital (leverage) ratio | 10.6500% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,747,000 | 3,570 |
| Average earning assets | $123,195,500 | 3,705 |
| Average equity | $16,512,000 | 3,556 |
| Average total loans | $56,510,000 | 3,981 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 1,966 |
| Cost of funding earning assets | 0.4633% | 3,199 |
| Net interest margin | 3.8033% | 1,490 |
| Noninterest income to average assets | 0.2681% | 3,875 |
| Noninterest expense to average assets | 2.5747% | 2,627 |
| Loan and lease loss provision to assets | 0.1026% | 3,047 |
| Net operating income to assets | 0.8094% | 3,055 |
| Return on assets (ROA) | 0.8208% | 3,137 |
| Pretax return on assets | 0.9234% | 3,305 |
| Return on Equity (ROE) | 6.6336% | 3,356 |
| Retained earnings to average equity (ytd only) | 2.6389% | 3,534 |
| Net charge-offs to loans | 0.2397% | 726 |
| Credit loss provision to net charge-offs | 95.8042% | 2,879 |
| Earnings coverage of net charge-offs (x) | 9.4615% | 2,520 |
| Efficiency ratio | 71.7595% | 1,708 |
| Assets per employee ($millions) | 4.7578% | 3,653 |
| Cash dividends to net income (ytd only)* | 60.2190% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 3,566 |
| Loan loss allowance to noncurrent loans | 536.2069% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 3,047 |
| Noncurrent loans to loans | 0.2012% | 3,491 |
| Net loans and leases to total assets | 39.9571% | 4,441 |
| Net loans and leases to deposits | 46.4328% | 4,447 |
| Net loans and leases to core deposits | 47.0678% | 4,512 |
| Total domestic deposits to total assets | 86.0537% | 2,342 |
| Equity capital to assets | 11.8564% | 1,645 |
| Core capital (leverage) ratio | 10.8048% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,532,400 | 3,581 |
| Average earning assets | $116,556,800 | 3,674 |
| Average equity | $16,522,000 | 3,505 |
| Average total loans | $59,660,600 | 3,928 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 1,811 |
| Cost of funding earning assets | 0.4844% | 3,329 |
| Net interest margin | 3.9328% | 1,274 |
| Noninterest income to average assets | 0.2225% | 4,164 |
| Noninterest expense to average assets | 2.4180% | 3,085 |
| Loan and lease loss provision to assets | 0.1166% | 2,868 |
| Net operating income to assets | 1.0407% | 2,185 |
| Return on assets (ROA) | 1.0566% | 2,255 |
| Pretax return on assets | 1.1531% | 2,557 |
| Return on Equity (ROE) | 8.4439% | 2,625 |
| Retained earnings to average equity (ytd only) | 4.8715% | 2,623 |
| Net charge-offs to loans | 0.3169% | 499 |
| Credit loss provision to net charge-offs | 80.4196% | 2,755 |
| Earnings coverage of net charge-offs (x) | 8.6224% | 2,484 |
| Efficiency ratio | 65.8732% | 2,486 |
| Assets per employee ($millions) | 4.7489% | 3,541 |
| Cash dividends to net income (ytd only)* | 42.3077% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,734 |
| Loan loss allowance to noncurrent loans | 344.8276% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 2,454 |
| Noncurrent loans to loans | 0.2879% | 3,248 |
| Net loans and leases to total assets | 42.0083% | 4,499 |
| Net loans and leases to deposits | 48.5657% | 4,535 |
| Net loans and leases to core deposits | 49.2252% | 4,596 |
| Total domestic deposits to total assets | 86.4979% | 1,862 |
| Equity capital to assets | 12.0582% | 1,639 |
| Core capital (leverage) ratio | 11.2326% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,232,250 | 3,598 |
| Average earning assets | $115,063,500 | 3,679 |
| Average equity | $16,421,750 | 3,514 |
| Average total loans | $60,162,250 | 3,941 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 2,144 |
| Cost of funding earning assets | 0.5138% | 3,448 |
| Net interest margin | 3.9103% | 1,543 |
| Noninterest income to average assets | 0.2102% | 4,226 |
| Noninterest expense to average assets | 2.4410% | 3,139 |
| Loan and lease loss provision to assets | 0.1443% | 2,566 |
| Net operating income to assets | 1.0197% | 2,256 |
| Return on assets (ROA) | 1.0448% | 2,300 |
| Pretax return on assets | 1.1138% | 2,672 |
| Return on Equity (ROE) | 8.2378% | 2,651 |
| Retained earnings to average equity (ytd only) | 4.7745% | 2,576 |
| Net charge-offs to loans | 0.4761% | 334 |
| Credit loss provision to net charge-offs | 64.3357% | 2,571 |
| Earnings coverage of net charge-offs (x) | 5.4895% | 2,511 |
| Efficiency ratio | 66.4673% | 2,447 |
| Assets per employee ($millions) | 4.5138% | 3,772 |
| Cash dividends to net income (ytd only)* | 42.0420% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 3,792 |
| Loan loss allowance to noncurrent loans | 200.3472% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 2,169 |
| Noncurrent loans to loans | 0.4753% | 2,724 |
| Net loans and leases to total assets | 44.3204% | 4,438 |
| Net loans and leases to deposits | 51.3690% | 4,468 |
| Net loans and leases to core deposits | 52.1248% | 4,563 |
| Total domestic deposits to total assets | 86.2784% | 1,894 |
| Equity capital to assets | 12.2912% | 1,487 |
| Core capital (leverage) ratio | 11.6703% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,487,333 | 3,624 |
| Average earning assets | $112,882,000 | 3,694 |
| Average equity | $16,169,333 | 3,532 |
| Average total loans | $60,067,000 | 3,945 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 2,314 |
| Cost of funding earning assets | 0.5637% | 3,623 |
| Net interest margin | 3.9349% | 1,564 |
| Noninterest income to average assets | 0.1554% | 4,599 |
| Noninterest expense to average assets | 2.5453% | 3,144 |
| Loan and lease loss provision to assets | 0.0712% | 2,848 |
| Net operating income to assets | 1.0428% | 2,028 |
| Return on assets (ROA) | 1.0945% | 1,959 |
| Pretax return on assets | 1.1658% | 2,320 |
| Return on Equity (ROE) | 8.4861% | 2,320 |
| Retained earnings to average equity (ytd only) | 5.4733% | 2,079 |
| Net charge-offs to loans | 0.4682% | 311 |
| Credit loss provision to net charge-offs | 31.4286% | 2,150 |
| Earnings coverage of net charge-offs (x) | 5.2143% | 2,079 |
| Efficiency ratio | 68.2884% | 2,619 |
| Assets per employee ($millions) | 4.1494% | 3,720 |
| Cash dividends to net income (ytd only)* | 35.5030% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 3,861 |
| Loan loss allowance to noncurrent loans | 188.9251% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6467% | 2,066 |
| Noncurrent loans to loans | 0.5118% | 2,736 |
| Net loans and leases to total assets | 47.7254% | 4,352 |
| Net loans and leases to deposits | 55.7031% | 4,383 |
| Net loans and leases to core deposits | 56.5929% | 4,476 |
| Total domestic deposits to total assets | 85.6781% | 2,140 |
| Equity capital to assets | 13.0518% | 1,405 |
| Core capital (leverage) ratio | 12.3905% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,524,000 | 3,654 |
| Average earning assets | $112,126,000 | 3,682 |
| Average equity | $15,932,000 | 3,561 |
| Average total loans | $59,804,000 | 3,962 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 3,499 |
| Cost of funding earning assets | 0.6746% | 3,288 |
| Net interest margin | 3.6388% | 3,000 |
| Noninterest income to average assets | 0.2860% | 3,972 |
| Noninterest expense to average assets | 2.4946% | 3,465 |
| Loan and lease loss provision to assets | 0.0711% | 2,579 |
| Net operating income to assets | 0.8744% | 3,301 |
| Return on assets (ROA) | 0.8744% | 3,389 |
| Pretax return on assets | 0.9669% | 3,549 |
| Return on Equity (ROE) | 7.3497% | 3,422 |
| Retained earnings to average equity (ytd only) | 2.9014% | 3,578 |
| Net charge-offs to loans | 0.0570% | 2,288 |
| Credit loss provision to net charge-offs | 264.7059% | 1,048 |
| Earnings coverage of net charge-offs (x) | 38.6471% | 1,347 |
| Efficiency ratio | 70.6172% | 2,078 |
| Assets per employee ($millions) | 4.0856% | 3,798 |
| Cash dividends to net income (ytd only)* | 60.5239% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 3,202 |
| Loan loss allowance to noncurrent loans | 128.1633% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8257% | 1,560 |
| Noncurrent loans to loans | 0.8219% | 1,863 |
| Net loans and leases to total assets | 48.1296% | 4,422 |
| Net loans and leases to deposits | 56.9021% | 4,423 |
| Net loans and leases to core deposits | 57.9878% | 4,526 |
| Total domestic deposits to total assets | 84.5831% | 2,649 |
| Equity capital to assets | 12.7416% | 1,680 |
| Core capital (leverage) ratio | 11.9482% | 1,809 |
| Tier 1 risk-based capital ratio | 18.2132% | 1,711 |
| Total risk-based capital ratio | 18.9732% | 1,789 |
| Memoranda: | ||
| Average total assets | $126,595,200 | 3,607 |
| Average earning assets | $112,948,800 | 3,665 |
| Average equity | $15,061,800 | 3,634 |
| Average total loans | $59,686,800 | 3,992 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3989% | 3,359 |
| Cost of funding earning assets | 0.6988% | 3,230 |
| Net interest margin | 3.7001% | 2,921 |
| Noninterest income to average assets | 0.2361% | 4,323 |
| Noninterest expense to average assets | 2.4283% | 3,616 |
| Loan and lease loss provision to assets | 0.0710% | 2,459 |
| Net operating income to assets | 0.9394% | 3,208 |
| Return on assets (ROA) | 0.9394% | 3,277 |
| Pretax return on assets | 1.0177% | 3,535 |
| Return on Equity (ROE) | 8.0322% | 3,290 |
| Retained earnings to average equity (ytd only) | 4.0116% | 3,392 |
| Net charge-offs to loans | 0.0782% | 1,709 |
| Credit loss provision to net charge-offs | 194.2857% | 1,347 |
| Earnings coverage of net charge-offs (x) | 29.7686% | 1,632 |
| Efficiency ratio | 69.0434% | 2,251 |
| Assets per employee ($millions) | 4.3620% | 3,394 |
| Cash dividends to net income (ytd only)* | 50.0559% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 3,465 |
| Loan loss allowance to noncurrent loans | 88.1924% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.7711% | 1,784 |
| Noncurrent loans to loans | 1.1549% | 1,369 |
| Net loans and leases to total assets | 44.9274% | 4,661 |
| Net loans and leases to deposits | 53.4575% | 4,651 |
| Net loans and leases to core deposits | 54.3043% | 4,731 |
| Total domestic deposits to total assets | 84.0433% | 2,806 |
| Equity capital to assets | 11.9800% | 2,273 |
| Core capital (leverage) ratio | 11.5949% | 2,149 |
| Tier 1 risk-based capital ratio | 18.3111% | 1,730 |
| Total risk-based capital ratio | 19.0468% | 1,823 |
| Memoranda: | ||
| Average total assets | $127,602,250 | 3,632 |
| Average earning assets | $113,146,750 | 3,696 |
| Average equity | $14,923,000 | 3,680 |
| Average total loans | $59,703,750 | 4,036 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 3,328 |
| Cost of funding earning assets | 0.6976% | 3,183 |
| Net interest margin | 3.7036% | 2,920 |
| Noninterest income to average assets | 0.2403% | 4,315 |
| Noninterest expense to average assets | 2.4281% | 3,664 |
| Loan and lease loss provision to assets | 0.0711% | 2,394 |
| Net operating income to assets | 0.9643% | 3,044 |
| Return on assets (ROA) | 0.9643% | 3,120 |
| Pretax return on assets | 1.0560% | 3,365 |
| Return on Equity (ROE) | 8.3153% | 3,151 |
| Retained earnings to average equity (ytd only) | 4.3621% | 3,085 |
| Net charge-offs to loans | 0.1204% | 1,232 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 19.8056% | 1,804 |
| Efficiency ratio | 68.2970% | 2,487 |
| Assets per employee ($millions) | 4.2345% | 3,518 |
| Cash dividends to net income (ytd only)* | 47.5410% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 3,811 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6825% | 2,009 |
| Noncurrent loans to loans | 0.8258% | 1,939 |
| Net loans and leases to total assets | 47.0118% | 4,601 |
| Net loans and leases to deposits | 57.3358% | 4,547 |
| Net loans and leases to core deposits | 58.1390% | 4,637 |
| Total domestic deposits to total assets | 81.9938% | 3,510 |
| Equity capital to assets | 12.1589% | 2,073 |
| Core capital (leverage) ratio | 11.8011% | 1,946 |
| Tier 1 risk-based capital ratio | 18.3411% | 1,713 |
| Total risk-based capital ratio | 19.0547% | 1,808 |
| Memoranda: | ||
| Average total assets | $126,516,330 | 3,671 |
| Average earning assets | $113,240,670 | 3,719 |
| Average equity | $14,671,670 | 3,707 |
| Average total loans | $59,806,000 | 4,055 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 3,457 |
| Cost of funding earning assets | 0.6983% | 3,063 |
| Net interest margin | 3.6334% | 3,122 |
| Noninterest income to average assets | 0.2630% | 4,127 |
| Noninterest expense to average assets | 2.4268% | 3,694 |
| Loan and lease loss provision to assets | 0.0729% | 2,213 |
| Net operating income to assets | 0.9885% | 2,895 |
| Return on assets (ROA) | 0.9885% | 2,932 |
| Pretax return on assets | 1.0106% | 3,407 |
| Return on Equity (ROE) | 8.7367% | 2,931 |
| Retained earnings to average equity (ytd only) | 5.0964% | 2,865 |
| Net charge-offs to loans | 0.1075% | 1,091 |
| Credit loss provision to net charge-offs | 143.7500% | 1,273 |
| Earnings coverage of net charge-offs (x) | 21.3750% | 1,533 |
| Efficiency ratio | 69.1336% | 2,484 |
| Assets per employee ($millions) | 4.4464% | 3,265 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 3,866 |
| Loan loss allowance to noncurrent loans | 79.3151% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 1,629 |
| Noncurrent loans to loans | 1.2248% | 1,344 |
| Net loans and leases to total assets | 45.7730% | 4,677 |
| Net loans and leases to deposits | 55.5245% | 4,622 |
| Net loans and leases to core deposits | 56.2833% | 4,702 |
| Total domestic deposits to total assets | 82.4375% | 3,607 |
| Equity capital to assets | 11.3506% | 2,524 |
| Core capital (leverage) ratio | 11.7535% | 1,936 |
| Tier 1 risk-based capital ratio | 17.7872% | 1,857 |
| Total risk-based capital ratio | 18.4834% | 1,979 |
| Memoranda: | ||
| Average total assets | $126,257,500 | 3,705 |
| Average earning assets | $112,841,000 | 3,773 |
| Average equity | $14,284,500 | 3,763 |
| Average total loans | $59,558,000 | 4,100 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,877 |
| Cost of funding earning assets | 0.5650% | 2,956 |
| Net interest margin | 3.4913% | 3,732 |
| Noninterest income to average assets | 0.2376% | 4,498 |
| Noninterest expense to average assets | 2.4902% | 3,638 |
| Loan and lease loss provision to assets | 0.0720% | 2,696 |
| Net operating income to assets | 0.8025% | 3,796 |
| Return on assets (ROA) | 0.8048% | 3,792 |
| Pretax return on assets | 0.8711% | 3,971 |
| Return on Equity (ROE) | 7.3119% | 3,724 |
| Retained earnings to average equity (ytd only) | 2.9509% | 3,924 |
| Net charge-offs to loans | 0.0940% | 1,823 |
| Credit loss provision to net charge-offs | 160.7143% | 1,728 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,968 |
| Efficiency ratio | 72.5810% | 1,833 |
| Assets per employee ($millions) | 4.2610% | 3,528 |
| Cash dividends to net income (ytd only)* | 59.6421% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 3,910 |
| Loan loss allowance to noncurrent loans | 57.4297% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 1,188 |
| Noncurrent loans to loans | 1.6735% | 870 |
| Net loans and leases to total assets | 47.7001% | 4,659 |
| Net loans and leases to deposits | 57.7431% | 4,585 |
| Net loans and leases to core deposits | 58.5623% | 4,683 |
| Total domestic deposits to total assets | 82.6074% | 3,452 |
| Equity capital to assets | 11.2754% | 2,445 |
| Core capital (leverage) ratio | 11.8308% | 1,847 |
| Tier 1 risk-based capital ratio | 17.8819% | 1,790 |
| Total risk-based capital ratio | 18.5819% | 1,901 |
| Memoranda: | ||
| Average total assets | $125,007,600 | 3,717 |
| Average earning assets | $114,341,400 | 3,739 |
| Average equity | $13,758,400 | 3,781 |
| Average total loans | $59,553,600 | 4,102 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 3,594 |
| Cost of funding earning assets | 0.5296% | 2,998 |
| Net interest margin | 3.5829% | 3,421 |
| Noninterest income to average assets | 0.2372% | 4,551 |
| Noninterest expense to average assets | 2.4578% | 3,705 |
| Loan and lease loss provision to assets | 0.0713% | 2,538 |
| Net operating income to assets | 0.9339% | 3,379 |
| Return on assets (ROA) | 0.9359% | 3,372 |
| Pretax return on assets | 0.9912% | 3,738 |
| Return on Equity (ROE) | 8.5550% | 3,309 |
| Retained earnings to average equity (ytd only) | 5.9885% | 2,664 |
| Net charge-offs to loans | 0.1007% | 1,484 |
| Credit loss provision to net charge-offs | 148.8889% | 1,724 |
| Earnings coverage of net charge-offs (x) | 22.1550% | 1,891 |
| Efficiency ratio | 69.8609% | 2,214 |
| Assets per employee ($millions) | 4.5395% | 3,060 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 4,116 |
| Loan loss allowance to noncurrent loans | 74.5672% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 1,534 |
| Noncurrent loans to loans | 1.2532% | 1,346 |
| Net loans and leases to total assets | 46.7067% | 4,770 |
| Net loans and leases to deposits | 56.2315% | 4,741 |
| Net loans and leases to core deposits | 57.7770% | 4,796 |
| Total domestic deposits to total assets | 83.0614% | 3,290 |
| Equity capital to assets | 10.7438% | 2,904 |
| Core capital (leverage) ratio | 11.8950% | 1,843 |
| Tier 1 risk-based capital ratio | 17.7853% | 1,846 |
| Total risk-based capital ratio | 18.4573% | 1,971 |
| Memoranda: | ||
| Average total assets | $125,367,000 | 3,746 |
| Average earning assets | $114,801,000 | 3,772 |
| Average equity | $13,714,750 | 3,819 |
| Average total loans | $59,563,250 | 4,144 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 3,423 |
| Cost of funding earning assets | 0.5150% | 2,895 |
| Net interest margin | 3.5929% | 3,345 |
| Noninterest income to average assets | 0.2580% | 4,464 |
| Noninterest expense to average assets | 2.4730% | 3,709 |
| Loan and lease loss provision to assets | 0.0721% | 2,444 |
| Net operating income to assets | 0.9873% | 3,076 |
| Return on assets (ROA) | 0.9905% | 3,067 |
| Pretax return on assets | 1.0145% | 3,621 |
| Return on Equity (ROE) | 8.9993% | 3,020 |
| Retained earnings to average equity (ytd only) | 6.5238% | 2,302 |
| Net charge-offs to loans | 0.1379% | 1,086 |
| Credit loss provision to net charge-offs | 109.7561% | 1,897 |
| Earnings coverage of net charge-offs (x) | 16.4878% | 1,995 |
| Efficiency ratio | 69.5358% | 2,387 |
| Assets per employee ($millions) | 4.4300% | 3,235 |
| Cash dividends to net income (ytd only)* | 27.5081% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,307 |
| Loan loss allowance to noncurrent loans | 71.5040% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 1,392 |
| Noncurrent loans to loans | 1.2702% | 1,348 |
| Net loans and leases to total assets | 47.6713% | 4,738 |
| Net loans and leases to deposits | 56.3017% | 4,735 |
| Net loans and leases to core deposits | 57.5007% | 4,813 |
| Total domestic deposits to total assets | 84.6712% | 2,811 |
| Equity capital to assets | 11.0318% | 2,610 |
| Core capital (leverage) ratio | 11.8190% | 1,825 |
| Tier 1 risk-based capital ratio | 17.7422% | 1,877 |
| Total risk-based capital ratio | 18.3984% | 1,996 |
| Memoranda: | ||
| Average total assets | $124,787,330 | 3,778 |
| Average earning assets | $114,558,330 | 3,796 |
| Average equity | $13,734,330 | 3,832 |
| Average total loans | $59,442,000 | 4,179 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 2,934 |
| Cost of funding earning assets | 0.4941% | 2,840 |
| Net interest margin | 3.6884% | 2,849 |
| Noninterest income to average assets | 0.2109% | 4,753 |
| Noninterest expense to average assets | 2.4672% | 3,747 |
| Loan and lease loss provision to assets | 0.0703% | 2,356 |
| Net operating income to assets | 1.0355% | 2,711 |
| Return on assets (ROA) | 1.0355% | 2,729 |
| Pretax return on assets | 1.0610% | 3,310 |
| Return on Equity (ROE) | 9.4189% | 2,708 |
| Retained earnings to average equity (ytd only) | 7.0933% | 2,241 |
| Net charge-offs to loans | 0.0674% | 1,436 |
| Credit loss provision to net charge-offs | 220.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 35.4000% | 1,137 |
| Efficiency ratio | 68.5613% | 2,737 |
| Assets per employee ($millions) | 4.4857% | 3,187 |
| Cash dividends to net income (ytd only)* | 24.6914% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 4,344 |
| Loan loss allowance to noncurrent loans | 60.4396% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.1744% | 1,306 |
| Noncurrent loans to loans | 1.5256% | 1,149 |
| Net loans and leases to total assets | 47.0518% | 4,753 |
| Net loans and leases to deposits | 55.2014% | 4,734 |
| Net loans and leases to core deposits | 56.3494% | 4,828 |
| Total domestic deposits to total assets | 85.2365% | 2,841 |
| Equity capital to assets | 10.8432% | 2,728 |
| Core capital (leverage) ratio | 11.5359% | 1,982 |
| Tier 1 risk-based capital ratio | 17.2360% | 2,050 |
| Total risk-based capital ratio | 17.8921% | 2,175 |
| Memoranda: | ||
| Average total assets | $125,160,500 | 3,810 |
| Average earning assets | $114,956,500 | 3,832 |
| Average equity | $13,759,500 | 3,863 |
| Average total loans | $59,326,000 | 4,212 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8449% | 3,900 |
| Cost of funding earning assets | 0.5195% | 2,183 |
| Net interest margin | 3.3254% | 4,081 |
| Noninterest income to average assets | 0.2189% | 4,839 |
| Noninterest expense to average assets | 2.4036% | 4,069 |
| Loan and lease loss provision to assets | 0.1099% | 2,050 |
| Net operating income to assets | 0.5890% | 4,057 |
| Return on assets (ROA) | 0.5871% | 4,106 |
| Pretax return on assets | 0.7218% | 4,457 |
| Return on Equity (ROE) | 5.1717% | 4,096 |
| Retained earnings to average equity (ytd only) | 1.8228% | 4,224 |
| Net charge-offs to loans | 0.1671% | 1,471 |
| Credit loss provision to net charge-offs | 138.3838% | 1,911 |
| Earnings coverage of net charge-offs (x) | 10.5051% | 2,668 |
| Efficiency ratio | 74.2383% | 1,863 |
| Assets per employee ($millions) | 4.6193% | 3,000 |
| Cash dividends to net income (ytd only)* | 64.7541% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 4,407 |
| Loan loss allowance to noncurrent loans | 65.1332% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 1,296 |
| Noncurrent loans to loans | 1.3999% | 1,226 |
| Net loans and leases to total assets | 46.8782% | 4,835 |
| Net loans and leases to deposits | 55.4494% | 4,826 |
| Net loans and leases to core deposits | 56.6157% | 4,905 |
| Total domestic deposits to total assets | 84.5423% | 3,023 |
| Equity capital to assets | 11.1449% | 2,494 |
| Core capital (leverage) ratio | 11.2536% | 2,126 |
| Tier 1 risk-based capital ratio | 17.2537% | 2,011 |
| Total risk-based capital ratio | 17.9072% | 2,161 |
| Memoranda: | ||
| Average total assets | $124,689,000 | 3,827 |
| Average earning assets | $113,188,800 | 3,862 |
| Average equity | $14,154,000 | 3,824 |
| Average total loans | $59,256,200 | 4,217 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 3,800 |
| Cost of funding earning assets | 0.5152% | 2,150 |
| Net interest margin | 3.3430% | 4,035 |
| Noninterest income to average assets | 0.2427% | 4,752 |
| Noninterest expense to average assets | 2.3601% | 4,118 |
| Loan and lease loss provision to assets | 0.1305% | 1,667 |
| Net operating income to assets | 0.7422% | 3,769 |
| Return on assets (ROA) | 0.7432% | 3,834 |
| Pretax return on assets | 0.7785% | 4,407 |
| Return on Equity (ROE) | 6.5176% | 3,904 |
| Retained earnings to average equity (ytd only) | 4.1357% | 3,447 |
| Net charge-offs to loans | 0.2068% | 1,036 |
| Credit loss provision to net charge-offs | 132.6087% | 1,860 |
| Earnings coverage of net charge-offs (x) | 9.2285% | 2,713 |
| Efficiency ratio | 72.2186% | 2,174 |
| Assets per employee ($millions) | 4.7366% | 2,779 |
| Cash dividends to net income (ytd only)* | 36.5471% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 4,573 |
| Loan loss allowance to noncurrent loans | 62.7962% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.2847% | 1,253 |
| Noncurrent loans to loans | 1.4310% | 1,306 |
| Net loans and leases to total assets | 45.7044% | 4,955 |
| Net loans and leases to deposits | 54.2168% | 4,953 |
| Net loans and leases to core deposits | 55.1587% | 5,035 |
| Total domestic deposits to total assets | 84.2994% | 2,997 |
| Equity capital to assets | 11.3897% | 2,475 |
| Core capital (leverage) ratio | 11.5095% | 2,012 |
| Tier 1 risk-based capital ratio | 17.4368% | 2,026 |
| Total risk-based capital ratio | 18.0791% | 2,165 |
| Memoranda: | ||
| Average total assets | $124,681,000 | 3,869 |
| Average earning assets | $112,828,500 | 3,902 |
| Average equity | $14,217,500 | 3,857 |
| Average total loans | $59,319,000 | 4,261 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 3,720 |
| Cost of funding earning assets | 0.5161% | 2,049 |
| Net interest margin | 3.3333% | 4,006 |
| Noninterest income to average assets | 0.2589% | 4,683 |
| Noninterest expense to average assets | 2.3849% | 4,091 |
| Loan and lease loss provision to assets | 0.0922% | 2,143 |
| Net operating income to assets | 0.7556% | 3,609 |
| Return on assets (ROA) | 0.7556% | 3,664 |
| Pretax return on assets | 0.7912% | 4,300 |
| Return on Equity (ROE) | 6.6235% | 3,768 |
| Retained earnings to average equity (ytd only) | 4.5528% | 2,998 |
| Net charge-offs to loans | 0.3264% | 618 |
| Credit loss provision to net charge-offs | 58.7629% | 2,477 |
| Earnings coverage of net charge-offs (x) | 5.6289% | 2,805 |
| Efficiency ratio | 72.9703% | 2,190 |
| Assets per employee ($millions) | 4.5968% | 2,951 |
| Cash dividends to net income (ytd only)* | 31.2634% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 5,031 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.2609% | 1,326 |
| Noncurrent loans to loans | 1.2268% | 1,588 |
| Net loans and leases to total assets | 47.9656% | 4,825 |
| Net loans and leases to deposits | 57.7773% | 4,763 |
| Net loans and leases to core deposits | 58.8243% | 4,881 |
| Total domestic deposits to total assets | 83.0180% | 3,562 |
| Equity capital to assets | 11.7279% | 2,131 |
| Core capital (leverage) ratio | 11.6323% | 1,877 |
| Tier 1 risk-based capital ratio | 17.0946% | 2,137 |
| Total risk-based capital ratio | 17.6457% | 2,308 |
| Memoranda: | ||
| Average total assets | $123,612,330 | 3,903 |
| Average earning assets | $111,600,330 | 3,951 |
| Average equity | $14,101,330 | 3,879 |
| Average total loans | $59,432,000 | 4,278 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 3,621 |
| Cost of funding earning assets | 0.5146% | 1,972 |
| Net interest margin | 3.3253% | 3,928 |
| Noninterest income to average assets | 0.2821% | 4,533 |
| Noninterest expense to average assets | 2.4384% | 4,007 |
| Loan and lease loss provision to assets | 0.0486% | 2,839 |
| Net operating income to assets | 0.7555% | 3,452 |
| Return on assets (ROA) | 0.7555% | 3,503 |
| Pretax return on assets | 0.7912% | 4,137 |
| Return on Equity (ROE) | 6.7176% | 3,537 |
| Retained earnings to average equity (ytd only) | 4.6994% | 3,054 |
| Net charge-offs to loans | 0.0203% | 2,374 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 86.3333% | 621 |
| Efficiency ratio | 74.3818% | 2,166 |
| Assets per employee ($millions) | 4.6611% | 2,905 |
| Cash dividends to net income (ytd only)* | 30.0429% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 4,904 |
| Loan loss allowance to noncurrent loans | 70.5234% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.3111% | 1,294 |
| Noncurrent loans to loans | 1.2181% | 1,666 |
| Net loans and leases to total assets | 46.9531% | 4,891 |
| Net loans and leases to deposits | 55.5942% | 4,844 |
| Net loans and leases to core deposits | 56.5666% | 4,947 |
| Total domestic deposits to total assets | 84.4568% | 3,307 |
| Equity capital to assets | 11.1769% | 2,446 |
| Core capital (leverage) ratio | 11.4961% | 1,952 |
| Tier 1 risk-based capital ratio | 16.5673% | 2,334 |
| Total risk-based capital ratio | 17.1684% | 2,532 |
| Memoranda: | ||
| Average total assets | $123,361,500 | 3,943 |
| Average earning assets | $111,147,000 | 3,995 |
| Average equity | $13,874,000 | 3,940 |
| Average total loans | $59,152,000 | 4,319 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 3,433 |
| Cost of funding earning assets | 0.5218% | 1,928 |
| Net interest margin | 3.4149% | 3,768 |
| Noninterest income to average assets | 0.0700% | 5,725 |
| Noninterest expense to average assets | 2.5262% | 3,932 |
| Loan and lease loss provision to assets | 0.0608% | 3,161 |
| Net operating income to assets | 0.5457% | 4,448 |
| Return on assets (ROA) | 0.6116% | 4,278 |
| Pretax return on assets | 0.6132% | 4,749 |
| Return on Equity (ROE) | 5.0957% | 4,384 |
| Retained earnings to average equity (ytd only) | 1.7356% | 4,540 |
| Net charge-offs to loans | 0.1484% | 1,778 |
| Credit loss provision to net charge-offs | 82.9545% | 2,930 |
| Earnings coverage of net charge-offs (x) | 8.2955% | 2,887 |
| Efficiency ratio | 80.5954% | 1,348 |
| Assets per employee ($millions) | 4.4768% | 3,149 |
| Cash dividends to net income (ytd only)* | 65.9401% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 4,954 |
| Loan loss allowance to noncurrent loans | 129.8701% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.0283% | 1,844 |
| Noncurrent loans to loans | 0.6559% | 2,890 |
| Net loans and leases to total assets | 48.1510% | 4,889 |
| Net loans and leases to deposits | 56.7974% | 4,866 |
| Net loans and leases to core deposits | 57.7842% | 4,978 |
| Total domestic deposits to total assets | 84.7767% | 3,144 |
| Equity capital to assets | 11.3192% | 2,314 |
| Core capital (leverage) ratio | 11.3662% | 2,028 |
| Tier 1 risk-based capital ratio | 16.7538% | 2,250 |
| Total risk-based capital ratio | 17.3544% | 2,443 |
| Memoranda: | ||
| Average total assets | $120,022,400 | 3,995 |
| Average earning assets | $107,704,400 | 4,047 |
| Average equity | $14,404,200 | 3,891 |
| Average total loans | $59,298,200 | 4,325 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0034% | 3,222 |
| Cost of funding earning assets | 0.5240% | 1,911 |
| Net interest margin | 3.4794% | 3,543 |
| Noninterest income to average assets | 0.2192% | 5,155 |
| Noninterest expense to average assets | 2.5084% | 3,962 |
| Loan and lease loss provision to assets | 0.0501% | 3,244 |
| Net operating income to assets | 0.7057% | 3,810 |
| Return on assets (ROA) | 0.7200% | 3,878 |
| Pretax return on assets | 0.7801% | 4,369 |
| Return on Equity (ROE) | 5.9147% | 4,108 |
| Retained earnings to average equity (ytd only) | 3.5927% | 3,738 |
| Net charge-offs to loans | -0.0538% | 5,391 |
| Credit loss provision to net charge-offs | -187.5000% | 4,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4856% | 2,037 |
| Assets per employee ($millions) | 4.6072% | 2,914 |
| Cash dividends to net income (ytd only)* | 39.2581% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 4,467 |
| Loan loss allowance to noncurrent loans | 87.8195% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.5676% | 1,124 |
| Noncurrent loans to loans | 1.1276% | 1,999 |
| Net loans and leases to total assets | 46.9396% | 5,026 |
| Net loans and leases to deposits | 56.1253% | 4,985 |
| Net loans and leases to core deposits | 57.6839% | 5,071 |
| Total domestic deposits to total assets | 83.6335% | 3,342 |
| Equity capital to assets | 11.9797% | 2,129 |
| Core capital (leverage) ratio | 11.6045% | 1,955 |
| Tier 1 risk-based capital ratio | 17.1040% | 2,195 |
| Total risk-based capital ratio | 17.8131% | 2,343 |
| Memoranda: | ||
| Average total assets | $119,809,500 | 4,023 |
| Average earning assets | $106,872,750 | 4,088 |
| Average equity | $14,584,750 | 3,900 |
| Average total loans | $59,447,250 | 4,348 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 3,018 |
| Cost of funding earning assets | 0.5343% | 1,835 |
| Net interest margin | 3.5282% | 3,377 |
| Noninterest income to average assets | 0.2114% | 5,230 |
| Noninterest expense to average assets | 2.5448% | 3,901 |
| Loan and lease loss provision to assets | 0.0507% | 3,133 |
| Net operating income to assets | 0.6734% | 3,945 |
| Return on assets (ROA) | 0.6950% | 3,968 |
| Pretax return on assets | 0.7660% | 4,406 |
| Return on Equity (ROE) | 5.6772% | 4,207 |
| Retained earnings to average equity (ytd only) | 3.1356% | 3,908 |
| Net charge-offs to loans | -0.0503% | 5,370 |
| Credit loss provision to net charge-offs | -200.0000% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2411% | 2,046 |
| Assets per employee ($millions) | 4.3871% | 3,242 |
| Cash dividends to net income (ytd only)* | 44.7689% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,752 |
| Loan loss allowance to noncurrent loans | 176.1006% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 1.4470% | 1,344 |
| Noncurrent loans to loans | 0.5403% | 3,455 |
| Net loans and leases to total assets | 49.2145% | 4,894 |
| Net loans and leases to deposits | 58.8813% | 4,860 |
| Net loans and leases to core deposits | 60.7649% | 4,949 |
| Total domestic deposits to total assets | 83.5825% | 3,431 |
| Equity capital to assets | 12.4125% | 1,835 |
| Core capital (leverage) ratio | 11.7084% | 1,840 |
| Tier 1 risk-based capital ratio | 16.4569% | 2,447 |
| Total risk-based capital ratio | 17.1193% | 2,642 |
| Memoranda: | ||
| Average total assets | $118,281,330 | 4,083 |
| Average earning assets | $104,811,330 | 4,151 |
| Average equity | $14,479,000 | 3,937 |
| Average total loans | $59,605,000 | 4,366 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 2,724 |
| Cost of funding earning assets | 0.5386% | 1,801 |
| Net interest margin | 3.5919% | 3,116 |
| Noninterest income to average assets | 0.2640% | 4,841 |
| Noninterest expense to average assets | 2.5652% | 3,869 |
| Loan and lease loss provision to assets | 0.0508% | 2,907 |
| Net operating income to assets | 0.7499% | 3,483 |
| Return on assets (ROA) | 0.7885% | 3,409 |
| Pretax return on assets | 0.8258% | 4,121 |
| Return on Equity (ROE) | 6.4871% | 3,730 |
| Retained earnings to average equity (ytd only) | 4.1484% | 3,411 |
| Net charge-offs to loans | -0.0534% | 5,359 |
| Credit loss provision to net charge-offs | -187.5000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4229% | 2,263 |
| Assets per employee ($millions) | 4.7716% | 2,640 |
| Cash dividends to net income (ytd only)* | 36.0515% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 5,019 |
| Loan loss allowance to noncurrent loans | 168.6520% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.4410% | 1,437 |
| Noncurrent loans to loans | 0.5406% | 3,567 |
| Net loans and leases to total assets | 49.0121% | 4,888 |
| Net loans and leases to deposits | 59.5443% | 4,749 |
| Net loans and leases to core deposits | 61.4597% | 4,844 |
| Total domestic deposits to total assets | 82.3119% | 4,115 |
| Equity capital to assets | 12.1419% | 1,928 |
| Core capital (leverage) ratio | 11.7523% | 1,791 |
| Tier 1 risk-based capital ratio | 16.3757% | 2,528 |
| Total risk-based capital ratio | 17.0129% | 2,734 |
| Memoranda: | ||
| Average total assets | $118,195,500 | 4,115 |
| Average earning assets | $103,233,500 | 4,229 |
| Average equity | $14,367,000 | 3,957 |
| Average total loans | $59,979,500 | 4,371 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 3,027 |
| Cost of funding earning assets | 0.5305% | 1,921 |
| Net interest margin | 3.5404% | 3,373 |
| Noninterest income to average assets | 0.2761% | 4,909 |
| Noninterest expense to average assets | 2.7025% | 3,571 |
| Loan and lease loss provision to assets | 0.2875% | 614 |
| Net operating income to assets | 0.4771% | 4,780 |
| Return on assets (ROA) | 0.5426% | 4,624 |
| Pretax return on assets | 0.5181% | 5,067 |
| Return on Equity (ROE) | 4.4158% | 4,776 |
| Retained earnings to average equity (ytd only) | 1.1519% | 5,049 |
| Net charge-offs to loans | 0.9417% | 219 |
| Credit loss provision to net charge-offs | 55.2941% | 3,328 |
| Earnings coverage of net charge-offs (x) | 1.4235% | 4,089 |
| Efficiency ratio | 78.5025% | 1,886 |
| Assets per employee ($millions) | 4.6841% | 2,752 |
| Cash dividends to net income (ytd only)* | 73.9130% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 5,280 |
| Loan loss allowance to noncurrent loans | 117.3121% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.5704% | 1,261 |
| Noncurrent loans to loans | 0.7202% | 3,026 |
| Net loans and leases to total assets | 51.6131% | 4,728 |
| Net loans and leases to deposits | 62.6561% | 4,583 |
| Net loans and leases to core deposits | 64.7040% | 4,692 |
| Total domestic deposits to total assets | 82.3752% | 4,063 |
| Equity capital to assets | 12.1689% | 1,833 |
| Core capital (leverage) ratio | 11.8318% | 1,736 |
| Tier 1 risk-based capital ratio | 18.2036% | 1,907 |
| Total risk-based capital ratio | 18.8889% | 2,028 |
| Memoranda: | ||
| Average total assets | $114,448,200 | 4,168 |
| Average earning assets | $102,361,000 | 4,231 |
| Average equity | $14,063,200 | 3,963 |
| Average total loans | $63,182,200 | 4,286 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 3,206 |
| Cost of funding earning assets | 0.5290% | 1,968 |
| Net interest margin | 3.5019% | 3,524 |
| Noninterest income to average assets | 0.2742% | 4,978 |
| Noninterest expense to average assets | 2.6084% | 3,849 |
| Loan and lease loss provision to assets | 0.3773% | 333 |
| Net operating income to assets | 0.4300% | 5,049 |
| Return on assets (ROA) | 0.5179% | 4,817 |
| Pretax return on assets | 0.5179% | 5,176 |
| Return on Equity (ROE) | 4.2045% | 4,955 |
| Retained earnings to average equity (ytd only) | 2.0166% | 4,874 |
| Net charge-offs to loans | 0.6568% | 338 |
| Credit loss provision to net charge-offs | 102.5478% | 2,212 |
| Earnings coverage of net charge-offs (x) | 2.1942% | 3,712 |
| Efficiency ratio | 76.3636% | 2,187 |
| Assets per employee ($millions) | 4.7085% | 2,685 |
| Cash dividends to net income (ytd only)* | 52.0362% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 3,274 |
| Loan loss allowance to noncurrent loans | 39.5687% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 2.9334% | 532 |
| Noncurrent loans to loans | 3.1993% | 526 |
| Net loans and leases to total assets | 52.2771% | 4,728 |
| Net loans and leases to deposits | 63.4893% | 4,599 |
| Net loans and leases to core deposits | 65.5500% | 4,724 |
| Total domestic deposits to total assets | 82.3401% | 4,057 |
| Equity capital to assets | 12.1728% | 1,982 |
| Core capital (leverage) ratio | 11.9482% | 1,706 |
| Tier 1 risk-based capital ratio | 18.5090% | 1,894 |
| Total risk-based capital ratio | 19.5775% | 1,905 |
| Memoranda: | ||
| Average total assets | $113,784,750 | 4,226 |
| Average earning assets | $102,076,500 | 4,281 |
| Average equity | $14,016,500 | 4,013 |
| Average total loans | $63,739,000 | 4,313 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 3,214 |
| Cost of funding earning assets | 0.5242% | 2,034 |
| Net interest margin | 3.4934% | 3,528 |
| Noninterest income to average assets | 0.3112% | 4,733 |
| Noninterest expense to average assets | 2.6299% | 3,817 |
| Loan and lease loss provision to assets | 0.5068% | 191 |
| Net operating income to assets | 0.3503% | 5,297 |
| Return on assets (ROA) | 0.4765% | 4,961 |
| Pretax return on assets | 0.4765% | 5,284 |
| Return on Equity (ROE) | 3.8527% | 5,075 |
| Retained earnings to average equity (ytd only) | 1.8257% | 4,785 |
| Net charge-offs to loans | 0.9780% | 213 |
| Credit loss provision to net charge-offs | 90.7643% | 2,196 |
| Earnings coverage of net charge-offs (x) | 1.5350% | 3,496 |
| Efficiency ratio | 75.4207% | 2,469 |
| Assets per employee ($millions) | 4.4467% | 3,070 |
| Cash dividends to net income (ytd only)* | 52.6119% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 3,789 |
| Loan loss allowance to noncurrent loans | 40.1495% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 3.0468% | 546 |
| Noncurrent loans to loans | 2.9883% | 665 |
| Net loans and leases to total assets | 55.7045% | 4,370 |
| Net loans and leases to deposits | 68.4368% | 4,093 |
| Net loans and leases to core deposits | 70.8151% | 4,245 |
| Total domestic deposits to total assets | 81.3956% | 4,486 |
| Equity capital to assets | 12.6216% | 1,589 |
| Core capital (leverage) ratio | 11.4807% | 2,009 |
| Tier 1 risk-based capital ratio | 17.7782% | 2,136 |
| Total risk-based capital ratio | 18.8179% | 2,151 |
| Memoranda: | ||
| Average total assets | $112,475,330 | 4,287 |
| Average earning assets | $102,249,330 | 4,314 |
| Average equity | $13,912,330 | 4,057 |
| Average total loans | $64,210,000 | 4,332 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,064 |
| Cost of funding earning assets | 0.5230% | 2,079 |
| Net interest margin | 3.5241% | 3,328 |
| Noninterest income to average assets | 0.1768% | 5,657 |
| Noninterest expense to average assets | 2.6766% | 3,671 |
| Loan and lease loss provision to assets | 1.0077% | 79 |
| Net operating income to assets | -0.3147% | 6,191 |
| Return on assets (ROA) | -0.2051% | 6,170 |
| Pretax return on assets | -0.2051% | 6,157 |
| Return on Equity (ROE) | -1.6747% | 6,158 |
| Retained earnings to average equity (ytd only) | -3.8692% | 5,852 |
| Net charge-offs to loans | 1.2066% | 177 |
| Credit loss provision to net charge-offs | 145.4082% | 1,275 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,979 |
| Efficiency ratio | 79.4334% | 1,965 |
| Assets per employee ($millions) | 4.5176% | 3,030 |
| Cash dividends to net income (ytd only)* | -131.0345% | 6,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 3,169 |
| Loan loss allowance to noncurrent loans | 29.1262% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 3.7268% | 423 |
| Noncurrent loans to loans | 4.6174% | 328 |
| Net loans and leases to total assets | 56.5079% | 4,148 |
| Net loans and leases to deposits | 68.8146% | 3,880 |
| Net loans and leases to core deposits | 71.1395% | 4,046 |
| Total domestic deposits to total assets | 82.1162% | 4,478 |
| Equity capital to assets | 12.2065% | 1,887 |
| Core capital (leverage) ratio | 11.7957% | 1,784 |
| Tier 1 risk-based capital ratio | 15.7794% | 3,029 |
| Total risk-based capital ratio | 16.8107% | 3,059 |
| Memoranda: | ||
| Average total assets | $113,129,500 | 4,307 |
| Average earning assets | $102,494,000 | 4,334 |
| Average equity | $13,853,000 | 4,092 |
| Average total loans | $64,976,500 | 4,335 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 3,112 |
| Cost of funding earning assets | 0.5473% | 2,223 |
| Net interest margin | 3.6047% | 3,400 |
| Noninterest income to average assets | 0.2462% | 5,368 |
| Noninterest expense to average assets | 2.7506% | 3,672 |
| Loan and lease loss provision to assets | 0.0227% | 4,158 |
| Net operating income to assets | 0.6926% | 3,932 |
| Return on assets (ROA) | 0.7254% | 3,874 |
| Pretax return on assets | 0.7734% | 4,356 |
| Return on Equity (ROE) | 6.0093% | 4,145 |
| Retained earnings to average equity (ytd only) | 2.8419% | 4,214 |
| Net charge-offs to loans | 0.5482% | 740 |
| Credit loss provision to net charge-offs | 7.6023% | 4,132 |
| Earnings coverage of net charge-offs (x) | 2.5497% | 4,126 |
| Efficiency ratio | 78.3246% | 2,158 |
| Assets per employee ($millions) | 4.1970% | 3,550 |
| Cash dividends to net income (ytd only)* | 52.7076% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 4,021 |
| Loan loss allowance to noncurrent loans | 55.5082% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.2838% | 1,052 |
| Noncurrent loans to loans | 2.1559% | 1,251 |
| Net loans and leases to total assets | 56.9031% | 4,212 |
| Net loans and leases to deposits | 70.7218% | 3,811 |
| Net loans and leases to core deposits | 73.1470% | 4,011 |
| Total domestic deposits to total assets | 80.4605% | 4,888 |
| Equity capital to assets | 12.2839% | 1,800 |
| Core capital (leverage) ratio | 11.7941% | 1,768 |
| Tier 1 risk-based capital ratio | 16.5609% | 2,690 |
| Total risk-based capital ratio | 17.5271% | 2,765 |
| Memoranda: | ||
| Average total assets | $114,556,000 | 4,285 |
| Average earning assets | $103,781,800 | 4,315 |
| Average equity | $13,828,600 | 4,054 |
| Average total loans | $62,386,800 | 4,417 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1028% | 3,360 |
| Cost of funding earning assets | 0.5526% | 2,269 |
| Net interest margin | 3.5502% | 3,627 |
| Noninterest income to average assets | 0.2774% | 5,219 |
| Noninterest expense to average assets | 2.7150% | 3,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7449% | 3,696 |
| Return on assets (ROA) | 0.7649% | 3,693 |
| Pretax return on assets | 0.7974% | 4,374 |
| Return on Equity (ROE) | 6.3643% | 4,047 |
| Retained earnings to average equity (ytd only) | 4.0658% | 3,753 |
| Net charge-offs to loans | 0.6162% | 591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.3474% | 3,939 |
| Efficiency ratio | 77.7593% | 2,222 |
| Assets per employee ($millions) | 4.1006% | 3,667 |
| Cash dividends to net income (ytd only)* | 36.1160% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 3,767 |
| Loan loss allowance to noncurrent loans | 37.0100% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 2.9159% | 823 |
| Noncurrent loans to loans | 3.4512% | 703 |
| Net loans and leases to total assets | 54.6604% | 4,496 |
| Net loans and leases to deposits | 67.9360% | 4,135 |
| Net loans and leases to core deposits | 70.0267% | 4,319 |
| Total domestic deposits to total assets | 80.4586% | 4,975 |
| Equity capital to assets | 12.1819% | 1,919 |
| Core capital (leverage) ratio | 11.7674% | 1,854 |
| Tier 1 risk-based capital ratio | 16.7770% | 2,696 |
| Total risk-based capital ratio | 17.7935% | 2,752 |
| Memoranda: | ||
| Average total assets | $114,865,250 | 4,322 |
| Average earning assets | $103,992,500 | 4,349 |
| Average equity | $13,805,750 | 4,076 |
| Average total loans | $61,667,750 | 4,473 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 3,292 |
| Cost of funding earning assets | 0.5605% | 2,255 |
| Net interest margin | 3.5520% | 3,564 |
| Noninterest income to average assets | 0.2925% | 5,080 |
| Noninterest expense to average assets | 2.6950% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7788% | 3,433 |
| Return on assets (ROA) | 0.7939% | 3,462 |
| Pretax return on assets | 0.8235% | 4,183 |
| Return on Equity (ROE) | 6.6350% | 3,815 |
| Retained earnings to average equity (ytd only) | 4.4233% | 3,358 |
| Net charge-offs to loans | 0.9405% | 382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.6167% | 3,758 |
| Efficiency ratio | 76.9384% | 2,463 |
| Assets per employee ($millions) | 4.1031% | 3,635 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 3,999 |
| Loan loss allowance to noncurrent loans | 34.4681% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 3.0726% | 826 |
| Noncurrent loans to loans | 3.6986% | 687 |
| Net loans and leases to total assets | 54.5993% | 4,468 |
| Net loans and leases to deposits | 70.1385% | 3,807 |
| Net loans and leases to core deposits | 72.3637% | 4,009 |
| Total domestic deposits to total assets | 77.8450% | 5,665 |
| Equity capital to assets | 12.1129% | 1,909 |
| Core capital (leverage) ratio | 11.5160% | 1,989 |
| Tier 1 risk-based capital ratio | 16.9206% | 2,652 |
| Total risk-based capital ratio | 17.9532% | 2,706 |
| Memoranda: | ||
| Average total assets | $114,881,000 | 4,352 |
| Average earning assets | $103,829,000 | 4,371 |
| Average equity | $13,745,330 | 4,094 |
| Average total loans | $61,033,000 | 4,516 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0258% | 3,584 |
| Cost of funding earning assets | 0.5662% | 2,281 |
| Net interest margin | 3.4595% | 3,861 |
| Noninterest income to average assets | 0.3064% | 4,905 |
| Noninterest expense to average assets | 2.6985% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6769% | 3,806 |
| Return on assets (ROA) | 0.7034% | 3,749 |
| Pretax return on assets | 0.7417% | 4,345 |
| Return on Equity (ROE) | 5.9151% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.6896% | 3,918 |
| Net charge-offs to loans | 1.5858% | 198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.8650% | 3,247 |
| Efficiency ratio | 79.0816% | 2,326 |
| Assets per employee ($millions) | 4.2017% | 3,520 |
| Cash dividends to net income (ytd only)* | 37.6238% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 3,501 |
| Loan loss allowance to noncurrent loans | 35.2459% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 3.1170% | 891 |
| Noncurrent loans to loans | 4.0291% | 671 |
| Net loans and leases to total assets | 50.7442% | 4,820 |
| Net loans and leases to deposits | 61.1163% | 4,653 |
| Net loans and leases to core deposits | 62.9497% | 4,793 |
| Total domestic deposits to total assets | 83.0289% | 4,595 |
| Equity capital to assets | 11.6646% | 2,130 |
| Core capital (leverage) ratio | 11.4201% | 2,028 |
| Tier 1 risk-based capital ratio | 16.7280% | 2,799 |
| Total risk-based capital ratio | 17.8277% | 2,831 |
| Memoranda: | ||
| Average total assets | $114,878,500 | 4,395 |
| Average earning assets | $103,135,500 | 4,425 |
| Average equity | $13,660,000 | 4,114 |
| Average total loans | $59,781,000 | 4,599 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 3,238 |
| Cost of funding earning assets | 0.7065% | 1,769 |
| Net interest margin | 3.5207% | 3,805 |
| Noninterest income to average assets | 0.3069% | 5,143 |
| Noninterest expense to average assets | 2.7035% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6445% | 4,055 |
| Return on assets (ROA) | 0.6829% | 3,977 |
| Pretax return on assets | 0.7383% | 4,386 |
| Return on Equity (ROE) | 5.8817% | 4,157 |
| Retained earnings to average equity (ytd only) | 2.2984% | 4,615 |
| Net charge-offs to loans | 0.4507% | 1,468 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.1667% | 3,939 |
| Efficiency ratio | 79.5135% | 2,235 |
| Assets per employee ($millions) | 4.0039% | 3,856 |
| Cash dividends to net income (ytd only)* | 60.9238% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 1,895 |
| Loan loss allowance to noncurrent loans | 33.2223% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 4.0139% | 660 |
| Noncurrent loans to loans | 5.5963% | 396 |
| Net loans and leases to total assets | 51.6511% | 4,903 |
| Net loans and leases to deposits | 64.2757% | 4,478 |
| Net loans and leases to core deposits | 66.4037% | 4,666 |
| Total domestic deposits to total assets | 80.3586% | 5,358 |
| Equity capital to assets | 12.1283% | 1,725 |
| Core capital (leverage) ratio | 11.2658% | 2,145 |
| Tier 1 risk-based capital ratio | 16.9313% | 2,639 |
| Total risk-based capital ratio | 18.1831% | 2,599 |
| Memoranda: | ||
| Average total assets | $117,292,400 | 4,333 |
| Average earning assets | $103,048,600 | 4,432 |
| Average equity | $13,618,400 | 4,141 |
| Average total loans | $57,244,800 | 4,709 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 3,086 |
| Cost of funding earning assets | 0.7262% | 1,765 |
| Net interest margin | 3.5509% | 3,653 |
| Noninterest income to average assets | 0.3013% | 5,289 |
| Noninterest expense to average assets | 2.5938% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7591% | 3,563 |
| Return on assets (ROA) | 0.7634% | 3,672 |
| Pretax return on assets | 0.7960% | 4,308 |
| Return on Equity (ROE) | 6.6451% | 3,843 |
| Retained earnings to average equity (ytd only) | 3.6308% | 4,110 |
| Net charge-offs to loans | 0.2863% | 2,108 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.7706% | 3,108 |
| Efficiency ratio | 76.6191% | 2,626 |
| Assets per employee ($millions) | 4.2737% | 3,281 |
| Cash dividends to net income (ytd only)* | 45.3613% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1391% | 1,431 |
| Loan loss allowance to noncurrent loans | 47.2052% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 3.2575% | 1,086 |
| Noncurrent loans to loans | 4.5314% | 710 |
| Net loans and leases to total assets | 47.1399% | 5,430 |
| Net loans and leases to deposits | 60.2197% | 4,948 |
| Net loans and leases to core deposits | 62.1402% | 5,105 |
| Total domestic deposits to total assets | 78.2798% | 5,862 |
| Equity capital to assets | 11.4346% | 2,348 |
| Core capital (leverage) ratio | 11.0027% | 2,478 |
| Tier 1 risk-based capital ratio | 16.8218% | 2,792 |
| Total risk-based capital ratio | 18.0767% | 2,743 |
| Memoranda: | ||
| Average total assets | $118,588,000 | 4,347 |
| Average earning assets | $102,995,500 | 4,476 |
| Average equity | $13,623,750 | 4,191 |
| Average total loans | $56,805,250 | 4,764 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 3,237 |
| Cost of funding earning assets | 0.7313% | 1,831 |
| Net interest margin | 3.4992% | 3,784 |
| Noninterest income to average assets | 0.2859% | 5,406 |
| Noninterest expense to average assets | 2.5577% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7495% | 3,571 |
| Return on assets (ROA) | 0.7528% | 3,706 |
| Pretax return on assets | 0.7832% | 4,376 |
| Return on Equity (ROE) | 6.5422% | 3,857 |
| Retained earnings to average equity (ytd only) | 3.2196% | 4,259 |
| Net charge-offs to loans | 0.0849% | 3,515 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 19.2083% | 1,514 |
| Efficiency ratio | 76.6346% | 2,695 |
| Assets per employee ($millions) | 4.1119% | 3,554 |
| Cash dividends to net income (ytd only)* | 50.7865% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3465% | 1,176 |
| Loan loss allowance to noncurrent loans | 50.1130% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 3.4204% | 1,134 |
| Noncurrent loans to loans | 4.6825% | 725 |
| Net loans and leases to total assets | 48.1100% | 5,319 |
| Net loans and leases to deposits | 61.1245% | 4,844 |
| Net loans and leases to core deposits | 63.7646% | 4,921 |
| Total domestic deposits to total assets | 78.7083% | 5,850 |
| Equity capital to assets | 11.7315% | 2,101 |
| Core capital (leverage) ratio | 10.8613% | 2,492 |
| Tier 1 risk-based capital ratio | 16.8814% | 2,755 |
| Total risk-based capital ratio | 18.1372% | 2,728 |
| Memoranda: | ||
| Average total assets | $118,229,670 | 4,385 |
| Average earning assets | $103,109,000 | 4,492 |
| Average equity | $13,604,000 | 4,223 |
| Average total loans | $56,526,330 | 4,806 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 3,362 |
| Cost of funding earning assets | 0.7449% | 1,889 |
| Net interest margin | 3.4398% | 3,961 |
| Noninterest income to average assets | 0.2505% | 5,669 |
| Noninterest expense to average assets | 2.5347% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6381% | 4,033 |
| Return on assets (ROA) | 0.6445% | 4,155 |
| Pretax return on assets | 0.6679% | 4,714 |
| Return on Equity (ROE) | 5.6546% | 4,223 |
| Retained earnings to average equity (ytd only) | 1.9630% | 5,020 |
| Net charge-offs to loans | 0.1063% | 2,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 1,544 |
| Efficiency ratio | 79.3103% | 2,426 |
| Assets per employee ($millions) | 4.2733% | 3,386 |
| Cash dividends to net income (ytd only)* | 65.2850% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4193% | 1,218 |
| Loan loss allowance to noncurrent loans | 62.3546% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 3.0196% | 1,483 |
| Noncurrent loans to loans | 3.8800% | 1,178 |
| Net loans and leases to total assets | 45.1698% | 5,531 |
| Net loans and leases to deposits | 55.9788% | 5,245 |
| Net loans and leases to core deposits | 58.2434% | 5,326 |
| Total domestic deposits to total assets | 80.6908% | 5,573 |
| Equity capital to assets | 11.4197% | 2,492 |
| Core capital (leverage) ratio | 10.7300% | 2,515 |
| Tier 1 risk-based capital ratio | 16.7096% | 2,901 |
| Total risk-based capital ratio | 17.9659% | 2,868 |
| Memoranda: | ||
| Average total assets | $119,777,500 | 4,403 |
| Average earning assets | $102,563,000 | 4,549 |
| Average equity | $13,652,500 | 4,258 |
| Average total loans | $56,428,500 | 4,843 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 3,049 |
| Cost of funding earning assets | 0.9059% | 1,904 |
| Net interest margin | 3.6825% | 3,729 |
| Noninterest income to average assets | 0.2147% | 5,890 |
| Noninterest expense to average assets | 2.4388% | 5,286 |
| Loan and lease loss provision to assets | 0.4692% | 1,325 |
| Net operating income to assets | 0.6093% | 4,195 |
| Return on assets (ROA) | 0.6541% | 4,234 |
| Pretax return on assets | 0.6234% | 4,920 |
| Return on Equity (ROE) | 5.8493% | 4,247 |
| Retained earnings to average equity (ytd only) | 2.7208% | 4,322 |
| Net charge-offs to loans | 0.5537% | 2,081 |
| Credit loss provision to net charge-offs | 174.1538% | 1,513 |
| Earnings coverage of net charge-offs (x) | 3.8892% | 3,560 |
| Efficiency ratio | 69.9477% | 3,831 |
| Assets per employee ($millions) | 4.2822% | 3,395 |
| Cash dividends to net income (ytd only)* | 53.4854% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3578% | 1,294 |
| Loan loss allowance to noncurrent loans | 44.8527% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 3.7597% | 1,181 |
| Noncurrent loans to loans | 5.2567% | 735 |
| Net loans and leases to total assets | 46.8007% | 5,535 |
| Net loans and leases to deposits | 59.1830% | 5,110 |
| Net loans and leases to core deposits | 61.4508% | 5,212 |
| Total domestic deposits to total assets | 79.0779% | 5,869 |
| Equity capital to assets | 11.3768% | 2,560 |
| Core capital (leverage) ratio | 10.3339% | 2,968 |
| Tier 1 risk-based capital ratio | 16.1380% | 3,083 |
| Total risk-based capital ratio | 17.3938% | 3,032 |
| Memoranda: | ||
| Average total assets | $120,630,800 | 4,350 |
| Average earning assets | $107,182,400 | 4,411 |
| Average equity | $13,488,800 | 4,262 |
| Average total loans | $58,696,400 | 4,766 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5869% | 3,262 |
| Cost of funding earning assets | 0.9191% | 2,051 |
| Net interest margin | 3.6678% | 3,930 |
| Noninterest income to average assets | 0.2825% | 5,520 |
| Noninterest expense to average assets | 2.5460% | 4,935 |
| Loan and lease loss provision to assets | 0.3874% | 1,663 |
| Net operating income to assets | 0.6385% | 4,201 |
| Return on assets (ROA) | 0.6975% | 4,175 |
| Pretax return on assets | 0.7030% | 4,853 |
| Return on Equity (ROE) | 6.2647% | 4,193 |
| Retained earnings to average equity (ytd only) | 3.7172% | 4,270 |
| Net charge-offs to loans | 0.7999% | 1,373 |
| Credit loss provision to net charge-offs | 99.1525% | 3,030 |
| Earnings coverage of net charge-offs (x) | 2.6384% | 3,980 |
| Efficiency ratio | 71.1817% | 3,474 |
| Assets per employee ($millions) | 4.3726% | 3,122 |
| Cash dividends to net income (ytd only)* | 40.6646% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9263% | 2,400 |
| Loan loss allowance to noncurrent loans | 99.5520% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 2.1473% | 2,496 |
| Noncurrent loans to loans | 1.9350% | 2,916 |
| Net loans and leases to total assets | 46.1988% | 5,748 |
| Net loans and leases to deposits | 61.7804% | 4,992 |
| Net loans and leases to core deposits | 63.5040% | 5,207 |
| Total domestic deposits to total assets | 74.7791% | 6,539 |
| Equity capital to assets | 11.2126% | 3,021 |
| Core capital (leverage) ratio | 10.3702% | 3,078 |
| Tier 1 risk-based capital ratio | 15.9420% | 3,295 |
| Total risk-based capital ratio | 17.1944% | 3,266 |
| Memoranda: | ||
| Average total assets | $120,813,000 | 4,382 |
| Average earning assets | $108,508,750 | 4,425 |
| Average equity | $13,450,750 | 4,307 |
| Average total loans | $59,003,000 | 4,798 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6107% | 3,312 |
| Cost of funding earning assets | 0.9269% | 2,212 |
| Net interest margin | 3.6838% | 3,907 |
| Noninterest income to average assets | 0.3642% | 4,916 |
| Noninterest expense to average assets | 2.3995% | 5,466 |
| Loan and lease loss provision to assets | 0.4573% | 1,393 |
| Net operating income to assets | 0.6701% | 4,016 |
| Return on assets (ROA) | 0.6701% | 4,278 |
| Pretax return on assets | 0.8514% | 4,273 |
| Return on Equity (ROE) | 6.0337% | 4,310 |
| Retained earnings to average equity (ytd only) | 3.4435% | 4,309 |
| Net charge-offs to loans | 0.1211% | 3,960 |
| Credit loss provision to net charge-offs | 763.8889% | 411 |
| Earnings coverage of net charge-offs (x) | 21.8611% | 1,327 |
| Efficiency ratio | 64.7085% | 4,764 |
| Assets per employee ($millions) | 4.1586% | 3,549 |
| Cash dividends to net income (ytd only)* | 42.9280% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2830% | 1,623 |
| Loan loss allowance to noncurrent loans | 66.8148% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 2.3690% | 2,354 |
| Noncurrent loans to loans | 3.4170% | 1,695 |
| Net loans and leases to total assets | 48.0182% | 5,610 |
| Net loans and leases to deposits | 63.9218% | 4,774 |
| Net loans and leases to core deposits | 65.7814% | 5,031 |
| Total domestic deposits to total assets | 75.1202% | 6,575 |
| Equity capital to assets | 11.2861% | 2,805 |
| Core capital (leverage) ratio | 10.3648% | 2,966 |
| Tier 1 risk-based capital ratio | 15.6663% | 3,351 |
| Total risk-based capital ratio | 16.9225% | 3,313 |
| Memoranda: | ||
| Average total assets | $120,272,670 | 4,416 |
| Average earning assets | $109,180,670 | 4,429 |
| Average equity | $13,358,330 | 4,325 |
| Average total loans | $59,446,000 | 4,813 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 3,423 |
| Cost of funding earning assets | 0.9426% | 2,358 |
| Net interest margin | 3.6751% | 3,941 |
| Noninterest income to average assets | 0.2698% | 5,720 |
| Noninterest expense to average assets | 2.3445% | 5,648 |
| Loan and lease loss provision to assets | 0.9158% | 478 |
| Net operating income to assets | 0.1632% | 6,085 |
| Return on assets (ROA) | 0.1632% | 6,218 |
| Pretax return on assets | 0.3464% | 5,869 |
| Return on Equity (ROE) | 1.4813% | 6,228 |
| Retained earnings to average equity (ytd only) | -1.7836% | 6,251 |
| Net charge-offs to loans | 0.0605% | 3,891 |
| Credit loss provision to net charge-offs | 3,055.5556% | 93 |
| Earnings coverage of net charge-offs (x) | 42.1111% | 715 |
| Efficiency ratio | 65.0046% | 4,738 |
| Assets per employee ($millions) | 4.1917% | 3,597 |
| Cash dividends to net income (ytd only)* | 220.4082% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2994% | 1,676 |
| Loan loss allowance to noncurrent loans | 68.2155% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.3577% | 2,520 |
| Noncurrent loans to loans | 3.3708% | 1,878 |
| Net loans and leases to total assets | 48.2358% | 5,524 |
| Net loans and leases to deposits | 63.4482% | 4,710 |
| Net loans and leases to core deposits | 65.4350% | 4,977 |
| Total domestic deposits to total assets | 76.0240% | 6,540 |
| Equity capital to assets | 10.8104% | 3,134 |
| Core capital (leverage) ratio | 10.0781% | 3,275 |
| Tier 1 risk-based capital ratio | 14.9961% | 3,766 |
| Total risk-based capital ratio | 16.2520% | 3,719 |
| Memoranda: | ||
| Average total assets | $120,109,000 | 4,447 |
| Average earning assets | $109,058,000 | 4,457 |
| Average equity | $13,232,000 | 4,365 |
| Average total loans | $59,537,500 | 4,835 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 3,583 |
| Cost of funding earning assets | 1.1043% | 2,642 |
| Net interest margin | 3.7468% | 4,095 |
| Noninterest income to average assets | 0.1839% | 6,179 |
| Noninterest expense to average assets | 2.3643% | 5,867 |
| Loan and lease loss provision to assets | 0.5214% | 2,016 |
| Net operating income to assets | 0.7128% | 3,426 |
| Return on assets (ROA) | 0.7128% | 3,607 |
| Pretax return on assets | 0.7279% | 4,226 |
| Return on Equity (ROE) | 6.5484% | 3,614 |
| Retained earnings to average equity (ytd only) | 0.0926% | 5,789 |
| Net charge-offs to loans | 1.1649% | 1,456 |
| Credit loss provision to net charge-offs | 86.7318% | 4,167 |
| Earnings coverage of net charge-offs (x) | 2.0782% | 4,220 |
| Efficiency ratio | 65.4275% | 4,878 |
| Assets per employee ($millions) | 4.2378% | 3,396 |
| Cash dividends to net income (ytd only)* | 98.5866% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8862% | 2,610 |
| Loan loss allowance to noncurrent loans | 47.5053% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 2.6867% | 2,265 |
| Noncurrent loans to loans | 3.9705% | 1,575 |
| Net loans and leases to total assets | 48.8341% | 5,737 |
| Net loans and leases to deposits | 64.5731% | 4,927 |
| Net loans and leases to core deposits | 66.6506% | 5,192 |
| Total domestic deposits to total assets | 75.6260% | 6,530 |
| Equity capital to assets | 11.2280% | 2,762 |
| Core capital (leverage) ratio | 10.1295% | 3,194 |
| Tier 1 risk-based capital ratio | 15.5118% | 3,315 |
| Total risk-based capital ratio | 16.7638% | 3,265 |
| Memoranda: | ||
| Average total assets | $119,106,400 | 4,426 |
| Average earning assets | $109,027,000 | 4,419 |
| Average equity | $12,965,000 | 4,345 |
| Average total loans | $61,462,800 | 4,811 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8252% | 3,910 |
| Cost of funding earning assets | 1.1316% | 2,760 |
| Net interest margin | 3.6936% | 4,364 |
| Noninterest income to average assets | 0.2248% | 6,007 |
| Noninterest expense to average assets | 2.3318% | 5,954 |
| Loan and lease loss provision to assets | 0.2516% | 3,493 |
| Net operating income to assets | 0.9719% | 2,429 |
| Return on assets (ROA) | 0.9719% | 2,598 |
| Pretax return on assets | 1.0289% | 3,293 |
| Return on Equity (ROE) | 8.9988% | 2,601 |
| Retained earnings to average equity (ytd only) | 1.4912% | 5,391 |
| Net charge-offs to loans | 0.7583% | 2,048 |
| Credit loss provision to net charge-offs | 63.7394% | 4,678 |
| Earnings coverage of net charge-offs (x) | 3.2437% | 3,527 |
| Efficiency ratio | 64.5511% | 4,973 |
| Assets per employee ($millions) | 4.3946% | 3,083 |
| Cash dividends to net income (ytd only)* | 83.4288% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 3,004 |
| Loan loss allowance to noncurrent loans | 35.3615% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 3.3589% | 1,894 |
| Noncurrent loans to loans | 5.0441% | 1,225 |
| Net loans and leases to total assets | 48.3754% | 5,909 |
| Net loans and leases to deposits | 63.5062% | 5,239 |
| Net loans and leases to core deposits | 65.4552% | 5,473 |
| Total domestic deposits to total assets | 76.1743% | 6,509 |
| Equity capital to assets | 10.8917% | 3,245 |
| Core capital (leverage) ratio | 10.2020% | 3,191 |
| Tier 1 risk-based capital ratio | 15.4709% | 3,404 |
| Total risk-based capital ratio | 16.7223% | 3,373 |
| Memoranda: | ||
| Average total assets | $119,218,250 | 4,453 |
| Average earning assets | $109,340,000 | 4,440 |
| Average equity | $12,875,500 | 4,373 |
| Average total loans | $62,063,500 | 4,829 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 3,221 |
| Cost of funding earning assets | 1.1722% | 2,763 |
| Net interest margin | 3.8144% | 3,710 |
| Noninterest income to average assets | 0.2103% | 6,160 |
| Noninterest expense to average assets | 2.3554% | 5,978 |
| Loan and lease loss provision to assets | 0.2544% | 3,368 |
| Net operating income to assets | 1.0548% | 2,019 |
| Return on assets (ROA) | 1.0548% | 2,117 |
| Pretax return on assets | 1.1209% | 2,769 |
| Return on Equity (ROE) | 9.7953% | 2,193 |
| Retained earnings to average equity (ytd only) | -0.2835% | 5,904 |
| Net charge-offs to loans | 0.7450% | 2,014 |
| Credit loss provision to net charge-offs | 64.3777% | 4,227 |
| Earnings coverage of net charge-offs (x) | 3.4807% | 3,155 |
| Efficiency ratio | 63.1364% | 5,379 |
| Assets per employee ($millions) | 4.2052% | 3,339 |
| Cash dividends to net income (ytd only)* | 102.8939% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 2,878 |
| Loan loss allowance to noncurrent loans | 74.9667% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 2.3619% | 2,790 |
| Noncurrent loans to loans | 2.4459% | 2,941 |
| Net loans and leases to total assets | 51.1975% | 5,668 |
| Net loans and leases to deposits | 66.2997% | 4,955 |
| Net loans and leases to core deposits | 68.3907% | 5,251 |
| Total domestic deposits to total assets | 77.2213% | 6,423 |
| Equity capital to assets | 11.0416% | 2,911 |
| Core capital (leverage) ratio | 10.2645% | 2,959 |
| Tier 1 risk-based capital ratio | 15.3893% | 3,300 |
| Total risk-based capital ratio | 16.6421% | 3,248 |
| Memoranda: | ||
| Average total assets | $117,941,670 | 4,516 |
| Average earning assets | $108,850,670 | 4,480 |
| Average equity | $12,700,000 | 4,404 |
| Average total loans | $62,549,330 | 4,851 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9539% | 3,312 |
| Cost of funding earning assets | 1.1760% | 2,976 |
| Net interest margin | 3.7779% | 3,719 |
| Noninterest income to average assets | 0.2779% | 5,679 |
| Noninterest expense to average assets | 2.3890% | 5,914 |
| Loan and lease loss provision to assets | 0.2542% | 3,114 |
| Net operating income to assets | 1.0234% | 2,098 |
| Return on assets (ROA) | 1.0234% | 2,146 |
| Pretax return on assets | 1.1183% | 2,688 |
| Return on Equity (ROE) | 9.6259% | 2,243 |
| Retained earnings to average equity (ytd only) | -7.4266% | 6,706 |
| Net charge-offs to loans | 1.1470% | 1,204 |
| Credit loss provision to net charge-offs | 41.4365% | 3,915 |
| Earnings coverage of net charge-offs (x) | 2.2376% | 3,201 |
| Efficiency ratio | 63.5135% | 5,439 |
| Assets per employee ($millions) | 4.2701% | 3,296 |
| Cash dividends to net income (ytd only)* | 177.1523% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7634% | 3,122 |
| Loan loss allowance to noncurrent loans | 82.6837% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 2.5343% | 2,695 |
| Noncurrent loans to loans | 2.1328% | 3,399 |
| Net loans and leases to total assets | 51.3917% | 5,664 |
| Net loans and leases to deposits | 66.1752% | 4,948 |
| Net loans and leases to core deposits | 68.2237% | 5,266 |
| Total domestic deposits to total assets | 77.6601% | 6,420 |
| Equity capital to assets | 10.4498% | 3,239 |
| Core capital (leverage) ratio | 10.1390% | 2,988 |
| Tier 1 risk-based capital ratio | 14.7790% | 3,556 |
| Total risk-based capital ratio | 16.0312% | 3,521 |
| Memoranda: | ||
| Average total assets | $118,039,500 | 4,538 |
| Average earning assets | $108,842,500 | 4,502 |
| Average equity | $12,549,500 | 4,427 |
| Average total loans | $63,119,500 | 4,869 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4200% | 2,578 |
| Cost of funding earning assets | 1.3466% | 3,596 |
| Net interest margin | 4.0734% | 2,688 |
| Noninterest income to average assets | 0.3043% | 5,621 |
| Noninterest expense to average assets | 2.4489% | 5,947 |
| Loan and lease loss provision to assets | 0.4980% | 3,164 |
| Net operating income to assets | 0.9420% | 2,233 |
| Return on assets (ROA) | 0.9420% | 2,357 |
| Pretax return on assets | 1.1092% | 2,539 |
| Return on Equity (ROE) | 8.7067% | 2,416 |
| Retained earnings to average equity (ytd only) | 2.8045% | 3,888 |
| Net charge-offs to loans | 0.5410% | 3,446 |
| Credit loss provision to net charge-offs | 159.1781% | 2,204 |
| Earnings coverage of net charge-offs (x) | 5.1370% | 2,705 |
| Efficiency ratio | 60.3762% | 5,990 |
| Assets per employee ($millions) | 4.1613% | 3,458 |
| Cash dividends to net income (ytd only)* | 67.7889% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 2,570 |
| Loan loss allowance to noncurrent loans | 49.9174% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 3.1884% | 2,223 |
| Noncurrent loans to loans | 3.8027% | 1,943 |
| Net loans and leases to total assets | 53.6248% | 5,686 |
| Net loans and leases to deposits | 68.7923% | 4,985 |
| Net loans and leases to core deposits | 70.7306% | 5,368 |
| Total domestic deposits to total assets | 77.9517% | 6,323 |
| Equity capital to assets | 10.8182% | 2,839 |
| Core capital (leverage) ratio | 10.1673% | 2,904 |
| Tier 1 risk-based capital ratio | 15.3406% | 3,075 |
| Total risk-based capital ratio | 16.5938% | 3,033 |
| Memoranda: | ||
| Average total assets | $116,662,800 | 4,563 |
| Average earning assets | $107,453,000 | 4,524 |
| Average equity | $12,622,400 | 4,452 |
| Average total loans | $67,464,200 | 4,772 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3763% | 2,989 |
| Cost of funding earning assets | 1.3800% | 3,706 |
| Net interest margin | 3.9963% | 3,119 |
| Noninterest income to average assets | 0.3062% | 5,708 |
| Noninterest expense to average assets | 2.3661% | 6,130 |
| Loan and lease loss provision to assets | 0.4479% | 3,230 |
| Net operating income to assets | 0.9460% | 2,430 |
| Return on assets (ROA) | 0.9460% | 2,560 |
| Pretax return on assets | 1.1745% | 2,588 |
| Return on Equity (ROE) | 8.7431% | 2,584 |
| Retained earnings to average equity (ytd only) | 2.8827% | 4,408 |
| Net charge-offs to loans | 0.1891% | 4,820 |
| Credit loss provision to net charge-offs | 404.1237% | 744 |
| Earnings coverage of net charge-offs (x) | 14.6392% | 1,501 |
| Efficiency ratio | 59.3240% | 6,063 |
| Assets per employee ($millions) | 4.2978% | 3,264 |
| Cash dividends to net income (ytd only)* | 67.0290% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9492% | 2,352 |
| Loan loss allowance to noncurrent loans | 65.1492% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 2.6559% | 2,724 |
| Noncurrent loans to loans | 2.9919% | 2,669 |
| Net loans and leases to total assets | 53.8405% | 5,873 |
| Net loans and leases to deposits | 69.3408% | 5,231 |
| Net loans and leases to core deposits | 70.8932% | 5,655 |
| Total domestic deposits to total assets | 77.6461% | 6,334 |
| Equity capital to assets | 10.7922% | 3,176 |
| Core capital (leverage) ratio | 10.2093% | 3,034 |
| Tier 1 risk-based capital ratio | 14.7722% | 3,354 |
| Total risk-based capital ratio | 16.0266% | 3,337 |
| Memoranda: | ||
| Average total assets | $116,699,250 | 4,621 |
| Average earning assets | $107,530,750 | 4,583 |
| Average equity | $12,626,750 | 4,515 |
| Average total loans | $68,407,500 | 4,810 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4753% | 2,630 |
| Cost of funding earning assets | 1.4274% | 3,698 |
| Net interest margin | 4.0480% | 2,799 |
| Noninterest income to average assets | 0.3048% | 5,720 |
| Noninterest expense to average assets | 2.3310% | 6,273 |
| Loan and lease loss provision to assets | 0.4364% | 3,131 |
| Net operating income to assets | 1.0218% | 2,111 |
| Return on assets (ROA) | 1.0218% | 2,185 |
| Pretax return on assets | 1.2504% | 2,256 |
| Return on Equity (ROE) | 9.4350% | 2,301 |
| Retained earnings to average equity (ytd only) | 4.3177% | 3,331 |
| Net charge-offs to loans | 0.2255% | 4,248 |
| Credit loss provision to net charge-offs | 323.0769% | 1,134 |
| Earnings coverage of net charge-offs (x) | 12.4872% | 1,673 |
| Efficiency ratio | 58.0172% | 6,371 |
| Assets per employee ($millions) | 4.0627% | 3,649 |
| Cash dividends to net income (ytd only)* | 54.2373% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 2,989 |
| Loan loss allowance to noncurrent loans | 60.8129% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 2.6021% | 2,784 |
| Noncurrent loans to loans | 2.8316% | 2,825 |
| Net loans and leases to total assets | 58.5504% | 5,325 |
| Net loans and leases to deposits | 75.6829% | 4,386 |
| Net loans and leases to core deposits | 76.9846% | 5,084 |
| Total domestic deposits to total assets | 77.3628% | 6,417 |
| Equity capital to assets | 11.1274% | 2,748 |
| Core capital (leverage) ratio | 10.3685% | 2,747 |
| Tier 1 risk-based capital ratio | 14.9615% | 3,168 |
| Total risk-based capital ratio | 16.2136% | 3,137 |
| Memoranda: | ||
| Average total assets | $115,486,670 | 4,668 |
| Average earning assets | $105,929,330 | 4,646 |
| Average equity | $12,506,670 | 4,546 |
| Average total loans | $69,184,000 | 4,817 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3594% | 3,244 |
| Cost of funding earning assets | 1.4593% | 3,810 |
| Net interest margin | 3.9001% | 3,324 |
| Noninterest income to average assets | 0.2682% | 6,011 |
| Noninterest expense to average assets | 2.2312% | 6,608 |
| Loan and lease loss provision to assets | 0.3850% | 3,053 |
| Net operating income to assets | 0.9832% | 2,247 |
| Return on assets (ROA) | 0.9832% | 2,307 |
| Pretax return on assets | 1.2170% | 2,309 |
| Return on Equity (ROE) | 9.2028% | 2,427 |
| Retained earnings to average equity (ytd only) | 6.9504% | 2,154 |
| Net charge-offs to loans | 0.2175% | 3,623 |
| Credit loss provision to net charge-offs | 294.7368% | 1,348 |
| Earnings coverage of net charge-offs (x) | 12.2632% | 1,579 |
| Efficiency ratio | 58.2063% | 6,458 |
| Assets per employee ($millions) | 4.2191% | 3,433 |
| Cash dividends to net income (ytd only)* | 24.4755% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 3,703 |
| Loan loss allowance to noncurrent loans | 67.0226% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 2.2288% | 3,241 |
| Noncurrent loans to loans | 2.2965% | 3,389 |
| Net loans and leases to total assets | 57.7776% | 5,482 |
| Net loans and leases to deposits | 74.2467% | 4,702 |
| Net loans and leases to core deposits | 75.9241% | 5,266 |
| Total domestic deposits to total assets | 77.8184% | 6,362 |
| Equity capital to assets | 10.6303% | 3,118 |
| Core capital (leverage) ratio | 10.2887% | 2,825 |
| Tier 1 risk-based capital ratio | 14.6472% | 3,292 |
| Total risk-based capital ratio | 15.8982% | 3,257 |
| Memoranda: | ||
| Average total assets | $116,352,500 | 4,714 |
| Average earning assets | $106,355,000 | 4,690 |
| Average equity | $12,431,000 | 4,610 |
| Average total loans | $69,890,500 | 4,867 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8720% | 2,362 |
| Cost of funding earning assets | 1.8054% | 3,965 |
| Net interest margin | 4.0666% | 2,584 |
| Noninterest income to average assets | 0.3124% | 5,845 |
| Noninterest expense to average assets | 2.5356% | 6,009 |
| Loan and lease loss provision to assets | 0.4695% | 4,005 |
| Net operating income to assets | 0.9075% | 2,152 |
| Return on assets (ROA) | 0.9075% | 2,211 |
| Pretax return on assets | 1.0782% | 2,315 |
| Return on Equity (ROE) | 8.4057% | 2,237 |
| Retained earnings to average equity (ytd only) | 3.8892% | 2,491 |
| Net charge-offs to loans | 0.5291% | 3,668 |
| Credit loss provision to net charge-offs | 136.8421% | 3,604 |
| Earnings coverage of net charge-offs (x) | 4.5105% | 2,923 |
| Efficiency ratio | 62.0964% | 6,136 |
| Assets per employee ($millions) | 4.0918% | 3,633 |
| Cash dividends to net income (ytd only)* | 53.7313% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 4,183 |
| Loan loss allowance to noncurrent loans | 96.5015% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.8137% | 3,649 |
| Noncurrent loans to loans | 1.4604% | 4,481 |
| Net loans and leases to total assets | 60.6314% | 5,247 |
| Net loans and leases to deposits | 76.8633% | 4,592 |
| Net loans and leases to core deposits | 86.0079% | 5,522 |
| Total domestic deposits to total assets | 78.8821% | 6,010 |
| Equity capital to assets | 10.7392% | 2,939 |
| Core capital (leverage) ratio | 10.1794% | 2,912 |
| Tier 1 risk-based capital ratio | 14.5114% | 3,205 |
| Total risk-based capital ratio | 15.7427% | 3,164 |
| Memoranda: | ||
| Average total assets | $110,745,200 | 4,803 |
| Average earning assets | $102,691,200 | 4,769 |
| Average equity | $11,956,200 | 4,756 |
| Average total loans | $71,824,200 | 4,805 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9357% | 2,295 |
| Cost of funding earning assets | 1.8509% | 4,149 |
| Net interest margin | 4.0848% | 2,460 |
| Noninterest income to average assets | 0.2429% | 6,494 |
| Noninterest expense to average assets | 2.5709% | 5,821 |
| Loan and lease loss provision to assets | 0.2732% | 4,783 |
| Net operating income to assets | 0.9533% | 2,223 |
| Return on assets (ROA) | 0.9533% | 2,285 |
| Pretax return on assets | 1.1938% | 2,285 |
| Return on Equity (ROE) | 8.8181% | 2,334 |
| Retained earnings to average equity (ytd only) | 3.8755% | 3,126 |
| Net charge-offs to loans | 0.2550% | 4,459 |
| Credit loss provision to net charge-offs | 163.0435% | 2,892 |
| Earnings coverage of net charge-offs (x) | 8.7534% | 2,204 |
| Efficiency ratio | 63.6692% | 5,816 |
| Assets per employee ($millions) | 3.8639% | 4,041 |
| Cash dividends to net income (ytd only)* | 56.0508% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 4,420 |
| Loan loss allowance to noncurrent loans | 69.0162% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.1507% | 3,156 |
| Noncurrent loans to loans | 1.9022% | 3,773 |
| Net loans and leases to total assets | 60.9600% | 5,433 |
| Net loans and leases to deposits | 78.0238% | 4,736 |
| Net loans and leases to core deposits | 86.5427% | 5,816 |
| Total domestic deposits to total assets | 78.1300% | 6,044 |
| Equity capital to assets | 10.5834% | 3,419 |
| Core capital (leverage) ratio | 10.3029% | 2,973 |
| Tier 1 risk-based capital ratio | 14.1930% | 3,447 |
| Total risk-based capital ratio | 15.3462% | 3,433 |
| Memoranda: | ||
| Average total assets | $109,788,750 | 4,855 |
| Average earning assets | $102,001,250 | 4,822 |
| Average equity | $11,869,250 | 4,830 |
| Average total loans | $72,165,500 | 4,839 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1286% | 1,694 |
| Cost of funding earning assets | 1.9242% | 4,143 |
| Net interest margin | 4.2044% | 1,982 |
| Noninterest income to average assets | 0.2153% | 6,760 |
| Noninterest expense to average assets | 2.6080% | 5,714 |
| Loan and lease loss provision to assets | 0.2320% | 4,726 |
| Net operating income to assets | 1.0116% | 2,066 |
| Return on assets (ROA) | 1.0116% | 2,159 |
| Pretax return on assets | 1.2771% | 2,089 |
| Return on Equity (ROE) | 9.2874% | 2,257 |
| Retained earnings to average equity (ytd only) | 3.4934% | 3,366 |
| Net charge-offs to loans | 0.2018% | 4,273 |
| Credit loss provision to net charge-offs | 171.2329% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.1370% | 1,933 |
| Efficiency ratio | 63.3454% | 6,035 |
| Assets per employee ($millions) | 3.5209% | 4,764 |
| Cash dividends to net income (ytd only)* | 62.3853% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 4,638 |
| Loan loss allowance to noncurrent loans | 74.4856% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 2.1100% | 3,049 |
| Noncurrent loans to loans | 1.6727% | 3,987 |
| Net loans and leases to total assets | 65.7175% | 4,627 |
| Net loans and leases to deposits | 84.8524% | 3,745 |
| Net loans and leases to core deposits | 94.9488% | 5,011 |
| Total domestic deposits to total assets | 77.4492% | 6,215 |
| Equity capital to assets | 10.8027% | 3,112 |
| Core capital (leverage) ratio | 10.4961% | 2,815 |
| Tier 1 risk-based capital ratio | 14.2645% | 3,372 |
| Total risk-based capital ratio | 15.3951% | 3,371 |
| Memoranda: | ||
| Average total assets | $107,746,000 | 4,947 |
| Average earning assets | $99,990,330 | 4,895 |
| Average equity | $11,736,330 | 4,882 |
| Average total loans | $72,353,000 | 4,870 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1213% | 1,863 |
| Cost of funding earning assets | 1.9667% | 4,302 |
| Net interest margin | 4.1546% | 2,075 |
| Noninterest income to average assets | 0.1046% | 7,516 |
| Noninterest expense to average assets | 2.6157% | 5,386 |
| Loan and lease loss provision to assets | 0.1868% | 4,571 |
| Net operating income to assets | 0.9379% | 2,554 |
| Return on assets (ROA) | 0.9379% | 2,685 |
| Pretax return on assets | 1.1621% | 2,757 |
| Return on Equity (ROE) | 8.5746% | 2,900 |
| Retained earnings to average equity (ytd only) | 2.7671% | 4,338 |
| Net charge-offs to loans | 0.0997% | 4,180 |
| Credit loss provision to net charge-offs | 277.7778% | 1,723 |
| Earnings coverage of net charge-offs (x) | 20.0556% | 1,393 |
| Efficiency ratio | 65.9755% | 5,339 |
| Assets per employee ($millions) | 3.3186% | 5,280 |
| Cash dividends to net income (ytd only)* | 67.7291% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 4,714 |
| Loan loss allowance to noncurrent loans | 94.7537% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.7130% | 3,351 |
| Noncurrent loans to loans | 1.2804% | 4,417 |
| Net loans and leases to total assets | 65.7998% | 4,630 |
| Net loans and leases to deposits | 85.0476% | 3,810 |
| Net loans and leases to core deposits | 95.9968% | 4,965 |
| Total domestic deposits to total assets | 77.3682% | 6,190 |
| Equity capital to assets | 10.7447% | 3,240 |
| Core capital (leverage) ratio | 10.5034% | 2,921 |
| Tier 1 risk-based capital ratio | 14.1894% | 3,481 |
| Total risk-based capital ratio | 15.3026% | 3,482 |
| Memoranda: | ||
| Average total assets | $107,044,500 | 4,983 |
| Average earning assets | $99,455,500 | 4,932 |
| Average equity | $11,709,000 | 4,920 |
| Average total loans | $72,212,000 | 4,898 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4839% | 3,038 |
| Cost of funding earning assets | 2.4554% | 4,445 |
| Net interest margin | 4.0284% | 2,989 |
| Noninterest income to average assets | 0.3024% | 6,285 |
| Noninterest expense to average assets | 2.5073% | 5,976 |
| Loan and lease loss provision to assets | 0.4667% | 2,963 |
| Net operating income to assets | 0.9027% | 2,987 |
| Return on assets (ROA) | 0.9027% | 2,833 |
| Pretax return on assets | 1.0698% | 3,138 |
| Return on Equity (ROE) | 8.3097% | 2,940 |
| Retained earnings to average equity (ytd only) | 1.2804% | 4,448 |
| Net charge-offs to loans | 0.6957% | 1,766 |
| Credit loss provision to net charge-offs | 100.6036% | 5,271 |
| Earnings coverage of net charge-offs (x) | 3.3119% | 4,428 |
| Efficiency ratio | 62.0037% | 5,949 |
| Assets per employee ($millions) | 3.1689% | 5,565 |
| Cash dividends to net income (ytd only)* | 84.5915% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 4,583 |
| Loan loss allowance to noncurrent loans | 97.7090% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 2.1984% | 2,224 |
| Noncurrent loans to loans | 1.2213% | 4,072 |
| Net loans and leases to total assets | 67.5362% | 4,547 |
| Net loans and leases to deposits | 87.8116% | 3,831 |
| Net loans and leases to core deposits | 99.1743% | 4,909 |
| Total domestic deposits to total assets | 76.9104% | 6,018 |
| Equity capital to assets | 11.1413% | 2,934 |
| Core capital (leverage) ratio | 10.6115% | 2,894 |
| Tier 1 risk-based capital ratio | 14.4787% | 3,305 |
| Total risk-based capital ratio | 15.5826% | 3,298 |
| Memoranda: | ||
| Average total assets | $107,125,400 | 4,855 |
| Average earning assets | $99,493,200 | 4,817 |
| Average equity | $11,637,000 | 4,932 |
| Average total loans | $71,436,600 | 4,814 |