Home > The Tipton Latham Bank > Performance and Condition Ratios
The Tipton Latham Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 1,979 |
| Cost of funding earning assets | 2.1074% | 770 |
| Net interest margin | 2.9397% | 3,412 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.9788% | 3,683 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8693% | 2,635 |
| Return on assets (ROA) | 0.9275% | 2,433 |
| Pretax return on assets | 0.9275% | 2,884 |
| Return on Equity (ROE) | 11.0000% | 2,224 |
| Retained earnings to average equity (ytd only) | 5.1349% | 2,563 |
| Net charge-offs to loans | 0.0202% | 1,939 |
| Credit loss provision to net charge-offs | 434.7826% | 740 |
| Earnings coverage of net charge-offs (x) | 65.3913% | 1,138 |
| Efficiency ratio | 68.0000% | 2,111 |
| Assets per employee ($millions) | 9.2580% | 896 |
| Cash dividends to net income (ytd only)* | 53.3378% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 1,339 |
| Loan loss allowance to noncurrent loans | 644.0154% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 2,491 |
| Noncurrent loans to loans | 0.2196% | 2,439 |
| Net loans and leases to total assets | 69.7900% | 1,833 |
| Net loans and leases to deposits | 78.5583% | 2,222 |
| Net loans and leases to core deposits | 86.5836% | 2,268 |
| Total domestic deposits to total assets | 88.8400% | 1,107 |
| Equity capital to assets | 8.6634% | 2,922 |
| Core capital (leverage) ratio | 11.3149% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $161,508,200 | 3,265 |
| Average earning assets | $150,660,000 | 3,245 |
| Average equity | $13,612,800 | 3,373 |
| Average total loans | $113,712,600 | 3,011 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9421% | 1,968 |
| Cost of funding earning assets | 1.9720% | 739 |
| Net interest margin | 2.9701% | 3,400 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.6984% | 4,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2357% | 1,684 |
| Return on assets (ROA) | 1.2724% | 1,597 |
| Pretax return on assets | 1.2724% | 2,117 |
| Return on Equity (ROE) | 15.2100% | 1,414 |
| Retained earnings to average equity (ytd only) | 9.2488% | 1,620 |
| Net charge-offs to loans | 0.0012% | 2,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,485.0000% | 101 |
| Efficiency ratio | 57.8843% | 3,217 |
| Assets per employee ($millions) | 9.0104% | 930 |
| Cash dividends to net income (ytd only)* | 39.1759% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 1,504 |
| Loan loss allowance to noncurrent loans | 434.6995% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 2,130 |
| Noncurrent loans to loans | 0.3185% | 2,089 |
| Net loans and leases to total assets | 69.8700% | 1,844 |
| Net loans and leases to deposits | 78.2924% | 2,221 |
| Net loans and leases to core deposits | 86.3671% | 2,167 |
| Total domestic deposits to total assets | 89.2400% | 1,178 |
| Equity capital to assets | 8.2288% | 2,899 |
| Core capital (leverage) ratio | 11.3348% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $160,224,250 | 3,289 |
| Average earning assets | $149,351,750 | 3,268 |
| Average equity | $13,406,750 | 3,387 |
| Average total loans | $112,648,750 | 3,030 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7585% | 2,085 |
| Cost of funding earning assets | 1.7715% | 782 |
| Net interest margin | 2.9870% | 3,461 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.7159% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2183% | 1,782 |
| Return on assets (ROA) | 1.2697% | 1,636 |
| Pretax return on assets | 1.2697% | 2,165 |
| Return on Equity (ROE) | 15.0900% | 1,452 |
| Retained earnings to average equity (ytd only) | 9.1458% | 1,649 |
| Net charge-offs to loans | 0.0125% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 138.8571% | 781 |
| Efficiency ratio | 58.4793% | 3,138 |
| Assets per employee ($millions) | 9.3194% | 820 |
| Cash dividends to net income (ytd only)* | 39.3880% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 1,488 |
| Loan loss allowance to noncurrent loans | 3,962.5000% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,557 |
| Noncurrent loans to loans | 0.0356% | 3,482 |
| Net loans and leases to total assets | 66.0000% | 2,154 |
| Net loans and leases to deposits | 73.8152% | 2,516 |
| Net loans and leases to core deposits | 80.1895% | 2,460 |
| Total domestic deposits to total assets | 89.4100% | 1,108 |
| Equity capital to assets | 8.2176% | 3,077 |
| Core capital (leverage) ratio | 11.4486% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $159,570,000 | 3,302 |
| Average earning assets | $148,577,000 | 3,284 |
| Average equity | $13,427,000 | 3,399 |
| Average total loans | $111,895,333 | 3,037 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 1,786 |
| Cost of funding earning assets | 1.6047% | 691 |
| Net interest margin | 3.1211% | 3,302 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.7057% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3944% | 1,424 |
| Return on assets (ROA) | 1.4484% | 1,261 |
| Pretax return on assets | 1.4484% | 1,772 |
| Return on Equity (ROE) | 17.0000% | 1,174 |
| Retained earnings to average equity (ytd only) | 10.9601% | 1,473 |
| Net charge-offs to loans | -0.0215% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.0207% | 3,503 |
| Assets per employee ($millions) | 8.3010% | 1,203 |
| Cash dividends to net income (ytd only)* | 35.5240% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 1,564 |
| Loan loss allowance to noncurrent loans | 512.1795% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 2,155 |
| Noncurrent loans to loans | 0.2764% | 2,158 |
| Net loans and leases to total assets | 70.5500% | 1,568 |
| Net loans and leases to deposits | 79.5859% | 1,847 |
| Net loans and leases to core deposits | 85.6902% | 1,884 |
| Total domestic deposits to total assets | 88.6500% | 1,683 |
| Equity capital to assets | 8.8315% | 2,643 |
| Core capital (leverage) ratio | 11.5912% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $155,480,000 | 3,378 |
| Average earning assets | $144,822,000 | 3,355 |
| Average equity | $13,248,000 | 3,457 |
| Average total loans | $111,696,500 | 3,081 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 1,511 |
| Cost of funding earning assets | 0.7181% | 537 |
| Net interest margin | 3.3646% | 2,366 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.0105% | 3,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3043% | 1,407 |
| Return on assets (ROA) | 1.2773% | 1,466 |
| Pretax return on assets | 1.2773% | 2,171 |
| Return on Equity (ROE) | 13.8500% | 1,568 |
| Retained earnings to average equity (ytd only) | 6.0239% | 2,640 |
| Net charge-offs to loans | -0.0244% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.6519% | 2,966 |
| Assets per employee ($millions) | 7.6621% | 1,510 |
| Cash dividends to net income (ytd only)* | 56.4955% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 1,369 |
| Loan loss allowance to noncurrent loans | 761.7225% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 2,572 |
| Noncurrent loans to loans | 0.1891% | 2,541 |
| Net loans and leases to total assets | 71.0800% | 1,518 |
| Net loans and leases to deposits | 77.9201% | 1,958 |
| Net loans and leases to core deposits | 82.0682% | 2,003 |
| Total domestic deposits to total assets | 91.2300% | 864 |
| Equity capital to assets | 8.2008% | 2,934 |
| Core capital (leverage) ratio | 11.5878% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $155,483,600 | 3,387 |
| Average earning assets | $144,829,400 | 3,379 |
| Average equity | $14,342,800 | 3,428 |
| Average total loans | $106,634,800 | 3,066 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 1,269 |
| Cost of funding earning assets | 0.6276% | 382 |
| Net interest margin | 3.3700% | 2,070 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.6414% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6738% | 567 |
| Return on assets (ROA) | 1.6380% | 595 |
| Pretax return on assets | 1.6380% | 1,034 |
| Return on Equity (ROE) | 17.2900% | 745 |
| Retained earnings to average equity (ytd only) | 10.2341% | 1,278 |
| Net charge-offs to loans | -0.0265% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.5103% | 4,188 |
| Assets per employee ($millions) | 7.6848% | 1,496 |
| Cash dividends to net income (ytd only)* | 40.7929% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,344 |
| Loan loss allowance to noncurrent loans | 309.3567% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 1,607 |
| Noncurrent loans to loans | 0.4792% | 1,600 |
| Net loans and leases to total assets | 68.6300% | 1,601 |
| Net loans and leases to deposits | 75.3194% | 1,932 |
| Net loans and leases to core deposits | 78.3141% | 2,017 |
| Total domestic deposits to total assets | 91.1100% | 1,193 |
| Equity capital to assets | 8.3919% | 2,610 |
| Core capital (leverage) ratio | 11.9045% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $156,044,250 | 3,409 |
| Average earning assets | $145,318,000 | 3,397 |
| Average equity | $14,786,750 | 3,427 |
| Average total loans | $105,663,000 | 3,087 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8571% | 1,197 |
| Cost of funding earning assets | 0.5754% | 334 |
| Net interest margin | 3.2817% | 1,962 |
| Noninterest income to average assets | 0.1811% | 4,097 |
| Noninterest expense to average assets | 1.6132% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6375% | 500 |
| Return on assets (ROA) | 1.5865% | 558 |
| Pretax return on assets | 1.5865% | 972 |
| Return on Equity (ROE) | 16.1387% | 681 |
| Retained earnings to average equity (ytd only) | 9.2499% | 1,211 |
| Net charge-offs to loans | -0.0133% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6273% | 4,271 |
| Assets per employee ($millions) | 7.6002% | 1,549 |
| Cash dividends to net income (ytd only)* | 42.6849% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 1,368 |
| Loan loss allowance to noncurrent loans | 360.7798% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 1,862 |
| Noncurrent loans to loans | 0.4196% | 1,858 |
| Net loans and leases to total assets | 67.3178% | 1,546 |
| Net loans and leases to deposits | 74.4366% | 1,816 |
| Net loans and leases to core deposits | 77.4485% | 1,895 |
| Total domestic deposits to total assets | 90.4364% | 1,500 |
| Equity capital to assets | 9.0853% | 2,333 |
| Core capital (leverage) ratio | 11.5694% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,827,333 | 3,444 |
| Average earning assets | $146,692,000 | 3,428 |
| Average equity | $15,416,333 | 3,462 |
| Average total loans | $105,196,667 | 3,122 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7270% | 1,229 |
| Cost of funding earning assets | 0.5527% | 364 |
| Net interest margin | 3.1742% | 1,962 |
| Noninterest income to average assets | 0.1658% | 4,174 |
| Noninterest expense to average assets | 1.5775% | 4,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5599% | 563 |
| Return on assets (ROA) | 1.5323% | 583 |
| Pretax return on assets | 1.5323% | 957 |
| Return on Equity (ROE) | 15.0436% | 646 |
| Retained earnings to average equity (ytd only) | 6.1408% | 2,202 |
| Net charge-offs to loans | -0.0189% | 3,885 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2802% | 4,302 |
| Assets per employee ($millions) | 7.7601% | 1,517 |
| Cash dividends to net income (ytd only)* | 59.1803% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 1,611 |
| Loan loss allowance to noncurrent loans | 577.5735% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 2,569 |
| Noncurrent loans to loans | 0.2567% | 2,560 |
| Net loans and leases to total assets | 67.2588% | 1,286 |
| Net loans and leases to deposits | 74.9557% | 1,526 |
| Net loans and leases to core deposits | 77.9420% | 1,617 |
| Total domestic deposits to total assets | 89.7314% | 1,702 |
| Equity capital to assets | 9.7930% | 2,055 |
| Core capital (leverage) ratio | 11.0569% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,239,500 | 3,428 |
| Average earning assets | $149,076,000 | 3,414 |
| Average equity | $16,219,500 | 3,451 |
| Average total loans | $105,846,000 | 3,113 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 1,210 |
| Cost of funding earning assets | 0.6695% | 371 |
| Net interest margin | 3.4027% | 2,020 |
| Noninterest income to average assets | 0.1688% | 4,314 |
| Noninterest expense to average assets | 1.8441% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5246% | 968 |
| Return on assets (ROA) | 1.7657% | 576 |
| Pretax return on assets | 1.7657% | 987 |
| Return on Equity (ROE) | 16.5700% | 661 |
| Retained earnings to average equity (ytd only) | 7.6509% | 1,680 |
| Net charge-offs to loans | -0.0058% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7421% | 3,850 |
| Assets per employee ($millions) | 8.1639% | 1,240 |
| Cash dividends to net income (ytd only)* | 53.8272% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,632 |
| Loan loss allowance to noncurrent loans | 259.7015% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 1,744 |
| Noncurrent loans to loans | 0.5703% | 1,717 |
| Net loans and leases to total assets | 63.7983% | 1,729 |
| Net loans and leases to deposits | 71.6493% | 1,949 |
| Net loans and leases to core deposits | 74.3744% | 2,048 |
| Total domestic deposits to total assets | 89.0425% | 1,491 |
| Equity capital to assets | 10.5587% | 2,120 |
| Core capital (leverage) ratio | 11.0389% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,563,600 | 3,387 |
| Average earning assets | $150,999,000 | 3,371 |
| Average equity | $17,109,200 | 3,452 |
| Average total loans | $103,566,400 | 3,153 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 1,097 |
| Cost of funding earning assets | 0.7004% | 382 |
| Net interest margin | 3.5064% | 1,851 |
| Noninterest income to average assets | 0.1568% | 4,415 |
| Noninterest expense to average assets | 1.4819% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9689% | 488 |
| Return on assets (ROA) | 2.2857% | 293 |
| Pretax return on assets | 2.2857% | 477 |
| Return on Equity (ROE) | 21.4012% | 333 |
| Retained earnings to average equity (ytd only) | 13.8042% | 528 |
| Net charge-offs to loans | -0.0233% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9435% | 4,628 |
| Assets per employee ($millions) | 7.8506% | 1,339 |
| Cash dividends to net income (ytd only)* | 35.4980% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 1,498 |
| Loan loss allowance to noncurrent loans | 588.8060% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 2,982 |
| Noncurrent loans to loans | 0.2612% | 2,881 |
| Net loans and leases to total assets | 64.3435% | 1,727 |
| Net loans and leases to deposits | 73.0080% | 1,960 |
| Net loans and leases to core deposits | 75.9253% | 2,053 |
| Total domestic deposits to total assets | 88.1321% | 1,760 |
| Equity capital to assets | 11.4558% | 1,707 |
| Core capital (leverage) ratio | 11.2885% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,885,250 | 3,431 |
| Average earning assets | $150,197,250 | 3,412 |
| Average equity | $17,076,500 | 3,503 |
| Average total loans | $103,024,500 | 3,204 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 1,630 |
| Cost of funding earning assets | 0.7392% | 383 |
| Net interest margin | 3.2357% | 2,653 |
| Noninterest income to average assets | 0.1505% | 4,447 |
| Noninterest expense to average assets | 1.4809% | 4,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7010% | 868 |
| Return on assets (ROA) | 2.0306% | 489 |
| Pretax return on assets | 2.0306% | 790 |
| Return on Equity (ROE) | 19.4718% | 501 |
| Retained earnings to average equity (ytd only) | 11.3635% | 1,045 |
| Net charge-offs to loans | -0.0078% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5416% | 4,490 |
| Assets per employee ($millions) | 8.0581% | 1,182 |
| Cash dividends to net income (ytd only)* | 41.6412% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,542 |
| Loan loss allowance to noncurrent loans | 469.6697% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 2,909 |
| Noncurrent loans to loans | 0.3225% | 2,762 |
| Net loans and leases to total assets | 63.0937% | 2,051 |
| Net loans and leases to deposits | 70.9269% | 2,319 |
| Net loans and leases to core deposits | 73.2555% | 2,487 |
| Total domestic deposits to total assets | 88.9558% | 1,305 |
| Equity capital to assets | 10.6446% | 2,274 |
| Core capital (leverage) ratio | 10.6734% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,843,000 | 3,427 |
| Average earning assets | $150,695,000 | 3,406 |
| Average equity | $16,773,000 | 3,534 |
| Average total loans | $103,164,333 | 3,216 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 2,266 |
| Cost of funding earning assets | 0.8022% | 342 |
| Net interest margin | 2.9342% | 3,429 |
| Noninterest income to average assets | 0.1469% | 4,467 |
| Noninterest expense to average assets | 1.4264% | 4,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4613% | 1,416 |
| Return on assets (ROA) | 1.7998% | 843 |
| Pretax return on assets | 1.7998% | 1,289 |
| Return on Equity (ROE) | 17.4406% | 788 |
| Retained earnings to average equity (ytd only) | 10.2762% | 1,580 |
| Net charge-offs to loans | -0.0272% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3966% | 4,238 |
| Assets per employee ($millions) | 7.7922% | 1,291 |
| Cash dividends to net income (ytd only)* | 41.0788% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 1,507 |
| Loan loss allowance to noncurrent loans | 363.5731% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 2,829 |
| Noncurrent loans to loans | 0.4205% | 2,597 |
| Net loans and leases to total assets | 61.6851% | 2,319 |
| Net loans and leases to deposits | 68.9060% | 2,611 |
| Net loans and leases to core deposits | 71.2388% | 2,764 |
| Total domestic deposits to total assets | 89.5206% | 1,060 |
| Equity capital to assets | 10.0821% | 2,631 |
| Core capital (leverage) ratio | 10.3766% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,683,500 | 3,427 |
| Average earning assets | $150,092,000 | 3,415 |
| Average equity | $16,582,000 | 3,551 |
| Average total loans | $103,123,000 | 3,217 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 1,476 |
| Cost of funding earning assets | 1.1869% | 295 |
| Net interest margin | 3.2495% | 3,212 |
| Noninterest income to average assets | 0.1563% | 4,512 |
| Noninterest expense to average assets | 1.9544% | 4,223 |
| Loan and lease loss provision to assets | 0.0507% | 3,744 |
| Net operating income to assets | 1.1886% | 1,589 |
| Return on assets (ROA) | 1.3827% | 1,151 |
| Pretax return on assets | 1.3827% | 1,712 |
| Return on Equity (ROE) | 12.7546% | 1,106 |
| Retained earnings to average equity (ytd only) | 6.5520% | 1,569 |
| Net charge-offs to loans | -0.2060% | 4,899 |
| Credit loss provision to net charge-offs | -36.5854% | 3,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1947% | 3,277 |
| Assets per employee ($millions) | 7.5110% | 1,273 |
| Cash dividends to net income (ytd only)* | 48.6301% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,569 |
| Loan loss allowance to noncurrent loans | 619.0476% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 3,474 |
| Noncurrent loans to loans | 0.2429% | 3,324 |
| Net loans and leases to total assets | 64.7812% | 2,259 |
| Net loans and leases to deposits | 72.7762% | 2,609 |
| Net loans and leases to core deposits | 75.8411% | 2,741 |
| Total domestic deposits to total assets | 89.0142% | 983 |
| Equity capital to assets | 10.5661% | 2,612 |
| Core capital (leverage) ratio | 10.7076% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,824,000 | 3,429 |
| Average earning assets | $138,174,400 | 3,407 |
| Average equity | $16,025,600 | 3,547 |
| Average total loans | $99,526,600 | 3,236 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4396% | 1,739 |
| Cost of funding earning assets | 1.2654% | 288 |
| Net interest margin | 3.1742% | 3,554 |
| Noninterest income to average assets | 0.1624% | 4,487 |
| Noninterest expense to average assets | 1.6383% | 4,693 |
| Loan and lease loss provision to assets | 0.0688% | 3,470 |
| Net operating income to assets | 1.4283% | 1,038 |
| Return on assets (ROA) | 1.6732% | 683 |
| Pretax return on assets | 1.6732% | 1,018 |
| Return on Equity (ROE) | 15.3285% | 642 |
| Retained earnings to average equity (ytd only) | 10.4039% | 688 |
| Net charge-offs to loans | -0.1896% | 4,921 |
| Credit loss provision to net charge-offs | -53.5714% | 3,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2528% | 4,323 |
| Assets per employee ($millions) | 7.1728% | 1,388 |
| Cash dividends to net income (ytd only)* | 32.1272% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 1,585 |
| Loan loss allowance to noncurrent loans | 201.7544% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 2,229 |
| Noncurrent loans to loans | 0.7124% | 2,013 |
| Net loans and leases to total assets | 68.0650% | 2,238 |
| Net loans and leases to deposits | 78.2132% | 2,514 |
| Net loans and leases to core deposits | 81.5483% | 2,694 |
| Total domestic deposits to total assets | 87.0250% | 1,662 |
| Equity capital to assets | 11.2058% | 2,223 |
| Core capital (leverage) ratio | 10.9981% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,347,250 | 3,439 |
| Average earning assets | $136,134,750 | 3,409 |
| Average equity | $15,865,500 | 3,566 |
| Average total loans | $98,473,250 | 3,267 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 1,764 |
| Cost of funding earning assets | 1.3409% | 296 |
| Net interest margin | 3.2170% | 3,617 |
| Noninterest income to average assets | 0.1504% | 4,550 |
| Noninterest expense to average assets | 1.6896% | 4,692 |
| Loan and lease loss provision to assets | 0.1045% | 2,966 |
| Net operating income to assets | 1.3706% | 1,178 |
| Return on assets (ROA) | 1.5433% | 927 |
| Pretax return on assets | 1.5433% | 1,361 |
| Return on Equity (ROE) | 14.2713% | 836 |
| Retained earnings to average equity (ytd only) | 9.5700% | 864 |
| Net charge-offs to loans | -0.2608% | 4,968 |
| Credit loss provision to net charge-offs | -59.5238% | 3,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3891% | 4,243 |
| Assets per employee ($millions) | 7.1212% | 1,380 |
| Cash dividends to net income (ytd only)* | 32.9422% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,401 |
| Loan loss allowance to noncurrent loans | 546.4945% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 3,623 |
| Noncurrent loans to loans | 0.2656% | 3,428 |
| Net loans and leases to total assets | 67.2469% | 2,466 |
| Net loans and leases to deposits | 76.9876% | 2,760 |
| Net loans and leases to core deposits | 80.4726% | 2,907 |
| Total domestic deposits to total assets | 87.3477% | 1,475 |
| Equity capital to assets | 10.8656% | 2,450 |
| Core capital (leverage) ratio | 10.7633% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,587,000 | 3,444 |
| Average earning assets | $134,534,667 | 3,410 |
| Average equity | $15,527,667 | 3,603 |
| Average total loans | $96,624,333 | 3,292 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 1,454 |
| Cost of funding earning assets | 1.4461% | 330 |
| Net interest margin | 3.3419% | 3,478 |
| Noninterest income to average assets | 0.1678% | 4,528 |
| Noninterest expense to average assets | 1.6642% | 4,808 |
| Loan and lease loss provision to assets | 0.2134% | 1,438 |
| Net operating income to assets | 1.4196% | 943 |
| Return on assets (ROA) | 1.5902% | 703 |
| Pretax return on assets | 1.5902% | 1,079 |
| Return on Equity (ROE) | 14.7425% | 583 |
| Retained earnings to average equity (ytd only) | 8.9141% | 996 |
| Net charge-offs to loans | -0.1022% | 4,819 |
| Credit loss provision to net charge-offs | -312.5000% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4745% | 4,639 |
| Assets per employee ($millions) | 6.6897% | 1,234 |
| Cash dividends to net income (ytd only)* | 39.5349% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,454 |
| Loan loss allowance to noncurrent loans | 295.2891% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 3,113 |
| Noncurrent loans to loans | 0.4973% | 2,774 |
| Net loans and leases to total assets | 65.8666% | 2,832 |
| Net loans and leases to deposits | 74.2775% | 3,243 |
| Net loans and leases to core deposits | 78.9637% | 3,290 |
| Total domestic deposits to total assets | 88.6763% | 812 |
| Equity capital to assets | 10.8390% | 3,003 |
| Core capital (leverage) ratio | 11.1031% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,607,500 | 3,449 |
| Average earning assets | $131,663,000 | 3,425 |
| Average equity | $15,167,000 | 3,646 |
| Average total loans | $93,913,500 | 3,320 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 2,949 |
| Cost of funding earning assets | 1.5309% | 364 |
| Net interest margin | 2.9683% | 4,554 |
| Noninterest income to average assets | 0.1865% | 4,550 |
| Noninterest expense to average assets | 1.9478% | 4,610 |
| Loan and lease loss provision to assets | 0.0729% | 2,540 |
| Net operating income to assets | 0.9437% | 3,044 |
| Return on assets (ROA) | 1.0763% | 2,639 |
| Pretax return on assets | 1.0763% | 3,244 |
| Return on Equity (ROE) | 10.1220% | 2,244 |
| Retained earnings to average equity (ytd only) | 6.1609% | 1,786 |
| Net charge-offs to loans | 0.0509% | 2,389 |
| Credit loss provision to net charge-offs | 217.3913% | 1,216 |
| Earnings coverage of net charge-offs (x) | 30.3261% | 1,571 |
| Efficiency ratio | 65.7080% | 2,817 |
| Assets per employee ($millions) | 6.7015% | 1,179 |
| Cash dividends to net income (ytd only)* | 39.1334% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 1,656 |
| Loan loss allowance to noncurrent loans | 188.5125% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 2,481 |
| Noncurrent loans to loans | 0.7230% | 2,070 |
| Net loans and leases to total assets | 65.8249% | 2,972 |
| Net loans and leases to deposits | 74.1402% | 3,342 |
| Net loans and leases to core deposits | 79.1362% | 3,370 |
| Total domestic deposits to total assets | 88.7843% | 756 |
| Equity capital to assets | 10.7347% | 3,227 |
| Core capital (leverage) ratio | 10.8828% | 2,609 |
| Tier 1 risk-based capital ratio | 15.0528% | 2,763 |
| Total risk-based capital ratio | 16.3027% | 2,694 |
| Memoranda: | ||
| Average total assets | $137,232,200 | 3,472 |
| Average earning assets | $128,423,000 | 3,455 |
| Average equity | $14,592,000 | 3,678 |
| Average total loans | $90,381,200 | 3,387 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4733% | 3,142 |
| Cost of funding earning assets | 1.5368% | 369 |
| Net interest margin | 2.9365% | 4,714 |
| Noninterest income to average assets | 0.1887% | 4,583 |
| Noninterest expense to average assets | 1.6466% | 4,968 |
| Loan and lease loss provision to assets | 0.0489% | 2,919 |
| Net operating income to assets | 1.2379% | 2,067 |
| Return on assets (ROA) | 1.3963% | 1,543 |
| Pretax return on assets | 1.3963% | 2,326 |
| Return on Equity (ROE) | 13.1641% | 1,215 |
| Retained earnings to average equity (ytd only) | 9.1632% | 1,003 |
| Net charge-offs to loans | 0.0030% | 3,310 |
| Credit loss provision to net charge-offs | 2,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 657.1610% | 148 |
| Efficiency ratio | 56.1333% | 4,158 |
| Assets per employee ($millions) | 6.6386% | 1,199 |
| Cash dividends to net income (ytd only)* | 30.3921% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 1,780 |
| Loan loss allowance to noncurrent loans | 196.0000% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 2,662 |
| Noncurrent loans to loans | 0.6868% | 2,241 |
| Net loans and leases to total assets | 66.9687% | 2,928 |
| Net loans and leases to deposits | 75.6885% | 3,326 |
| Net loans and leases to core deposits | 80.8145% | 3,328 |
| Total domestic deposits to total assets | 88.4793% | 839 |
| Equity capital to assets | 11.0365% | 3,070 |
| Core capital (leverage) ratio | 11.1051% | 2,554 |
| Tier 1 risk-based capital ratio | 15.2522% | 2,740 |
| Total risk-based capital ratio | 16.5020% | 2,671 |
| Memoranda: | ||
| Average total assets | $136,357,500 | 3,522 |
| Average earning assets | $127,449,750 | 3,499 |
| Average equity | $14,463,250 | 3,722 |
| Average total loans | $89,497,500 | 3,448 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 3,353 |
| Cost of funding earning assets | 1.5166% | 357 |
| Net interest margin | 2.8769% | 4,846 |
| Noninterest income to average assets | 0.1759% | 4,693 |
| Noninterest expense to average assets | 1.6713% | 5,002 |
| Loan and lease loss provision to assets | 0.0739% | 2,337 |
| Net operating income to assets | 1.1246% | 2,429 |
| Return on assets (ROA) | 1.1970% | 2,221 |
| Pretax return on assets | 1.1970% | 2,916 |
| Return on Equity (ROE) | 11.4442% | 1,808 |
| Retained earnings to average equity (ytd only) | 7.3610% | 1,668 |
| Net charge-offs to loans | 0.0023% | 3,097 |
| Credit loss provision to net charge-offs | 5,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 811.0000% | 92 |
| Efficiency ratio | 58.2389% | 3,978 |
| Assets per employee ($millions) | 6.5415% | 1,216 |
| Cash dividends to net income (ytd only)* | 35.6790% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 1,574 |
| Loan loss allowance to noncurrent loans | 777.4390% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 4,156 |
| Noncurrent loans to loans | 0.1814% | 3,909 |
| Net loans and leases to total assets | 64.8689% | 3,253 |
| Net loans and leases to deposits | 73.1179% | 3,587 |
| Net loans and leases to core deposits | 78.2857% | 3,554 |
| Total domestic deposits to total assets | 88.7181% | 778 |
| Equity capital to assets | 10.7963% | 3,272 |
| Core capital (leverage) ratio | 10.8329% | 2,761 |
| Tier 1 risk-based capital ratio | 15.4509% | 2,641 |
| Total risk-based capital ratio | 16.7013% | 2,565 |
| Memoranda: | ||
| Average total assets | $135,340,000 | 3,551 |
| Average earning assets | $126,733,000 | 3,523 |
| Average equity | $14,155,670 | 3,767 |
| Average total loans | $87,785,000 | 3,508 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 3,595 |
| Cost of funding earning assets | 1.4804% | 347 |
| Net interest margin | 2.8083% | 4,982 |
| Noninterest income to average assets | 0.1727% | 4,702 |
| Noninterest expense to average assets | 1.6795% | 5,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1256% | 2,366 |
| Return on assets (ROA) | 1.1137% | 2,464 |
| Pretax return on assets | 1.1137% | 3,105 |
| Return on Equity (ROE) | 10.8265% | 2,013 |
| Retained earnings to average equity (ytd only) | 6.6580% | 2,177 |
| Net charge-offs to loans | 0.0231% | 1,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 75.6000% | 796 |
| Efficiency ratio | 59.8726% | 3,825 |
| Assets per employee ($millions) | 6.4068% | 1,285 |
| Cash dividends to net income (ytd only)* | 38.5027% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 1,631 |
| Loan loss allowance to noncurrent loans | 207.3005% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 2,838 |
| Noncurrent loans to loans | 0.6815% | 2,312 |
| Net loans and leases to total assets | 63.3282% | 3,371 |
| Net loans and leases to deposits | 71.1692% | 3,671 |
| Net loans and leases to core deposits | 76.1904% | 3,649 |
| Total domestic deposits to total assets | 88.9826% | 865 |
| Equity capital to assets | 10.5305% | 3,319 |
| Core capital (leverage) ratio | 10.8730% | 2,685 |
| Tier 1 risk-based capital ratio | 15.6377% | 2,587 |
| Total risk-based capital ratio | 16.8875% | 2,516 |
| Memoranda: | ||
| Average total assets | $134,324,500 | 3,604 |
| Average earning assets | $125,912,000 | 3,575 |
| Average equity | $13,818,000 | 3,831 |
| Average total loans | $86,484,500 | 3,570 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2915% | 3,146 |
| Cost of funding earning assets | 1.2584% | 263 |
| Net interest margin | 3.0332% | 4,762 |
| Noninterest income to average assets | 0.1781% | 4,837 |
| Noninterest expense to average assets | 1.9647% | 4,800 |
| Loan and lease loss provision to assets | 0.1549% | 1,359 |
| Net operating income to assets | 0.8829% | 3,482 |
| Return on assets (ROA) | 0.8449% | 3,622 |
| Pretax return on assets | 0.8449% | 4,052 |
| Return on Equity (ROE) | 8.3299% | 3,308 |
| Retained earnings to average equity (ytd only) | 4.0466% | 3,338 |
| Net charge-offs to loans | 0.3293% | 585 |
| Credit loss provision to net charge-offs | 74.0741% | 2,937 |
| Earnings coverage of net charge-offs (x) | 4.9630% | 3,241 |
| Efficiency ratio | 65.4372% | 2,963 |
| Assets per employee ($millions) | 6.3860% | 1,273 |
| Cash dividends to net income (ytd only)* | 51.4207% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,573 |
| Loan loss allowance to noncurrent loans | 684.9162% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 4,157 |
| Noncurrent loans to loans | 0.2068% | 3,840 |
| Net loans and leases to total assets | 63.6201% | 3,394 |
| Net loans and leases to deposits | 71.0974% | 3,742 |
| Net loans and leases to core deposits | 75.8310% | 3,731 |
| Total domestic deposits to total assets | 89.4830% | 667 |
| Equity capital to assets | 10.0427% | 3,641 |
| Core capital (leverage) ratio | 10.7042% | 2,831 |
| Tier 1 risk-based capital ratio | 15.2785% | 2,708 |
| Total risk-based capital ratio | 16.5283% | 2,638 |
| Memoranda: | ||
| Average total assets | $129,126,000 | 3,658 |
| Average earning assets | $120,236,400 | 3,638 |
| Average equity | $13,097,400 | 3,868 |
| Average total loans | $82,003,600 | 3,626 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 3,174 |
| Cost of funding earning assets | 1.2047% | 249 |
| Net interest margin | 3.0359% | 4,800 |
| Noninterest income to average assets | 0.1898% | 4,838 |
| Noninterest expense to average assets | 1.6995% | 5,134 |
| Loan and lease loss provision to assets | 0.2085% | 815 |
| Net operating income to assets | 1.1062% | 2,636 |
| Return on assets (ROA) | 1.0968% | 2,698 |
| Pretax return on assets | 1.0968% | 3,417 |
| Return on Equity (ROE) | 10.7855% | 2,267 |
| Retained earnings to average equity (ytd only) | 6.3360% | 2,468 |
| Net charge-offs to loans | 0.3644% | 446 |
| Credit loss provision to net charge-offs | 90.4977% | 2,417 |
| Earnings coverage of net charge-offs (x) | 5.7059% | 2,944 |
| Efficiency ratio | 56.3819% | 4,330 |
| Assets per employee ($millions) | 6.2340% | 1,326 |
| Cash dividends to net income (ytd only)* | 41.2546% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 1,255 |
| Loan loss allowance to noncurrent loans | 305.7554% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 3,417 |
| Noncurrent loans to loans | 0.5007% | 2,888 |
| Net loans and leases to total assets | 62.6429% | 3,582 |
| Net loans and leases to deposits | 69.9927% | 3,918 |
| Net loans and leases to core deposits | 73.8195% | 3,959 |
| Total domestic deposits to total assets | 89.4993% | 675 |
| Equity capital to assets | 10.0401% | 3,599 |
| Core capital (leverage) ratio | 10.9056% | 2,673 |
| Tier 1 risk-based capital ratio | 15.9859% | 2,459 |
| Total risk-based capital ratio | 17.2374% | 2,388 |
| Memoranda: | ||
| Average total assets | $127,880,750 | 3,707 |
| Average earning assets | $118,971,500 | 3,699 |
| Average equity | $13,004,750 | 3,912 |
| Average total loans | $80,868,250 | 3,678 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1993% | 3,113 |
| Cost of funding earning assets | 1.1639% | 214 |
| Net interest margin | 3.0354% | 4,828 |
| Noninterest income to average assets | 0.2049% | 4,790 |
| Noninterest expense to average assets | 1.7088% | 5,191 |
| Loan and lease loss provision to assets | 0.3153% | 436 |
| Net operating income to assets | 1.0010% | 3,013 |
| Return on assets (ROA) | 0.9900% | 3,069 |
| Pretax return on assets | 0.9900% | 3,691 |
| Return on Equity (ROE) | 9.6926% | 2,717 |
| Retained earnings to average equity (ytd only) | 5.2322% | 2,966 |
| Net charge-offs to loans | 0.4921% | 311 |
| Credit loss provision to net charge-offs | 101.5228% | 1,995 |
| Earnings coverage of net charge-offs (x) | 4.2386% | 2,806 |
| Efficiency ratio | 56.4878% | 4,419 |
| Assets per employee ($millions) | 6.2148% | 1,324 |
| Cash dividends to net income (ytd only)* | 46.0191% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 1,144 |
| Loan loss allowance to noncurrent loans | 337.4026% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 3,587 |
| Noncurrent loans to loans | 0.4710% | 3,024 |
| Net loans and leases to total assets | 61.6344% | 3,644 |
| Net loans and leases to deposits | 68.7789% | 3,962 |
| Net loans and leases to core deposits | 72.0283% | 4,005 |
| Total domestic deposits to total assets | 89.6123% | 703 |
| Equity capital to assets | 9.9395% | 3,683 |
| Core capital (leverage) ratio | 10.8099% | 2,686 |
| Tier 1 risk-based capital ratio | 16.1369% | 2,392 |
| Total risk-based capital ratio | 17.3898% | 2,326 |
| Memoranda: | ||
| Average total assets | $126,869,330 | 3,749 |
| Average earning assets | $117,877,000 | 3,749 |
| Average equity | $12,958,330 | 3,936 |
| Average total loans | $80,063,000 | 3,709 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 2,976 |
| Cost of funding earning assets | 1.1327% | 189 |
| Net interest margin | 3.0401% | 4,817 |
| Noninterest income to average assets | 0.1951% | 4,849 |
| Noninterest expense to average assets | 1.7881% | 5,166 |
| Loan and lease loss provision to assets | 0.1599% | 1,127 |
| Net operating income to assets | 1.0716% | 2,558 |
| Return on assets (ROA) | 1.0588% | 2,625 |
| Pretax return on assets | 1.0588% | 3,319 |
| Return on Equity (ROE) | 10.2228% | 2,325 |
| Retained earnings to average equity (ytd only) | 5.7754% | 2,822 |
| Net charge-offs to loans | 0.5099% | 297 |
| Credit loss provision to net charge-offs | 49.5050% | 1,956 |
| Earnings coverage of net charge-offs (x) | 3.8119% | 2,356 |
| Efficiency ratio | 59.2161% | 4,177 |
| Assets per employee ($millions) | 6.1200% | 1,419 |
| Cash dividends to net income (ytd only)* | 43.5045% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 1,280 |
| Loan loss allowance to noncurrent loans | 271.2418% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 3,410 |
| Noncurrent loans to loans | 0.5723% | 2,826 |
| Net loans and leases to total assets | 61.4368% | 3,613 |
| Net loans and leases to deposits | 68.6311% | 3,905 |
| Net loans and leases to core deposits | 71.9238% | 3,967 |
| Total domestic deposits to total assets | 89.5175% | 879 |
| Equity capital to assets | 10.0351% | 3,558 |
| Core capital (leverage) ratio | 11.0798% | 2,349 |
| Tier 1 risk-based capital ratio | 16.4179% | 2,309 |
| Total risk-based capital ratio | 17.6702% | 2,250 |
| Memoranda: | ||
| Average total assets | $125,049,000 | 3,815 |
| Average earning assets | $116,179,500 | 3,810 |
| Average equity | $12,951,500 | 3,976 |
| Average total loans | $79,225,500 | 3,758 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 3,299 |
| Cost of funding earning assets | 0.9334% | 313 |
| Net interest margin | 3.0976% | 4,697 |
| Noninterest income to average assets | 0.1906% | 5,003 |
| Noninterest expense to average assets | 2.0816% | 4,804 |
| Loan and lease loss provision to assets | 0.0420% | 3,416 |
| Net operating income to assets | 0.9455% | 2,471 |
| Return on assets (ROA) | 0.9816% | 2,357 |
| Pretax return on assets | 0.9816% | 3,641 |
| Return on Equity (ROE) | 9.0112% | 2,314 |
| Retained earnings to average equity (ytd only) | 4.5557% | 2,427 |
| Net charge-offs to loans | 0.1483% | 1,607 |
| Credit loss provision to net charge-offs | 44.2478% | 3,398 |
| Earnings coverage of net charge-offs (x) | 10.4071% | 2,680 |
| Efficiency ratio | 67.8249% | 2,925 |
| Assets per employee ($millions) | 5.7895% | 1,664 |
| Cash dividends to net income (ytd only)* | 49.4440% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 1,020 |
| Loan loss allowance to noncurrent loans | 226.1780% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 2,986 |
| Noncurrent loans to loans | 0.7323% | 2,383 |
| Net loans and leases to total assets | 63.2938% | 3,453 |
| Net loans and leases to deposits | 71.2439% | 3,770 |
| Net loans and leases to core deposits | 74.6324% | 3,835 |
| Total domestic deposits to total assets | 88.8410% | 1,068 |
| Equity capital to assets | 10.6976% | 2,946 |
| Core capital (leverage) ratio | 11.4067% | 2,008 |
| Tier 1 risk-based capital ratio | 16.5614% | 2,244 |
| Total risk-based capital ratio | 17.8152% | 2,183 |
| Memoranda: | ||
| Average total assets | $119,093,200 | 3,911 |
| Average earning assets | $110,666,400 | 3,900 |
| Average equity | $12,972,800 | 3,988 |
| Average total loans | $76,213,400 | 3,818 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0580% | 3,145 |
| Cost of funding earning assets | 0.9014% | 340 |
| Net interest margin | 3.1566% | 4,563 |
| Noninterest income to average assets | 0.2116% | 4,951 |
| Noninterest expense to average assets | 1.8130% | 5,258 |
| Loan and lease loss provision to assets | 0.0563% | 2,964 |
| Net operating income to assets | 1.2785% | 1,409 |
| Return on assets (ROA) | 1.3280% | 1,284 |
| Pretax return on assets | 1.3280% | 2,369 |
| Return on Equity (ROE) | 12.1354% | 1,300 |
| Retained earnings to average equity (ytd only) | 7.6720% | 1,357 |
| Net charge-offs to loans | 0.1656% | 1,254 |
| Credit loss provision to net charge-offs | 53.1915% | 2,875 |
| Earnings coverage of net charge-offs (x) | 12.6170% | 2,415 |
| Efficiency ratio | 57.5974% | 4,555 |
| Assets per employee ($millions) | 5.6635% | 1,761 |
| Cash dividends to net income (ytd only)* | 36.7796% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 939 |
| Loan loss allowance to noncurrent loans | 123.9397% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8921% | 1,921 |
| Noncurrent loans to loans | 1.4136% | 1,319 |
| Net loans and leases to total assets | 62.0038% | 3,650 |
| Net loans and leases to deposits | 70.3031% | 3,934 |
| Net loans and leases to core deposits | 73.7467% | 3,997 |
| Total domestic deposits to total assets | 88.1950% | 1,265 |
| Equity capital to assets | 11.3400% | 2,535 |
| Core capital (leverage) ratio | 11.7029% | 1,882 |
| Tier 1 risk-based capital ratio | 17.5307% | 2,003 |
| Total risk-based capital ratio | 18.7851% | 1,944 |
| Memoranda: | ||
| Average total assets | $118,471,750 | 3,958 |
| Average earning assets | $110,199,000 | 3,953 |
| Average equity | $12,964,500 | 4,029 |
| Average total loans | $75,704,750 | 3,864 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 2,775 |
| Cost of funding earning assets | 0.8648% | 378 |
| Net interest margin | 3.2506% | 4,266 |
| Noninterest income to average assets | 0.2028% | 5,033 |
| Noninterest expense to average assets | 1.8154% | 5,293 |
| Loan and lease loss provision to assets | 0.0845% | 2,294 |
| Net operating income to assets | 1.3337% | 1,208 |
| Return on assets (ROA) | 1.3675% | 1,161 |
| Pretax return on assets | 1.3675% | 2,143 |
| Return on Equity (ROE) | 12.6502% | 1,126 |
| Retained earnings to average equity (ytd only) | 8.1311% | 1,111 |
| Net charge-offs to loans | 0.2529% | 809 |
| Credit loss provision to net charge-offs | 52.0833% | 2,540 |
| Earnings coverage of net charge-offs (x) | 8.7396% | 2,488 |
| Efficiency ratio | 56.1422% | 4,815 |
| Assets per employee ($millions) | 5.6053% | 1,783 |
| Cash dividends to net income (ytd only)* | 35.7231% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7389% | 996 |
| Loan loss allowance to noncurrent loans | 250.0952% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 3,329 |
| Noncurrent loans to loans | 0.6953% | 2,666 |
| Net loans and leases to total assets | 63.0318% | 3,510 |
| Net loans and leases to deposits | 71.4254% | 3,790 |
| Net loans and leases to core deposits | 74.6732% | 3,884 |
| Total domestic deposits to total assets | 88.2484% | 1,334 |
| Equity capital to assets | 11.2911% | 2,501 |
| Core capital (leverage) ratio | 11.4574% | 2,000 |
| Tier 1 risk-based capital ratio | 17.2016% | 2,100 |
| Total risk-based capital ratio | 18.4553% | 2,044 |
| Memoranda: | ||
| Average total assets | $118,318,000 | 3,984 |
| Average earning assets | $110,317,000 | 3,971 |
| Average equity | $12,790,330 | 4,067 |
| Average total loans | $75,920,330 | 3,885 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 2,830 |
| Cost of funding earning assets | 0.8465% | 382 |
| Net interest margin | 3.2086% | 4,313 |
| Noninterest income to average assets | 0.1787% | 5,198 |
| Noninterest expense to average assets | 1.8715% | 5,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2983% | 1,248 |
| Return on assets (ROA) | 1.3185% | 1,227 |
| Pretax return on assets | 1.3185% | 2,175 |
| Return on Equity (ROE) | 12.4721% | 1,118 |
| Retained earnings to average equity (ytd only) | 7.8788% | 1,508 |
| Net charge-offs to loans | 0.3626% | 507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.5797% | 2,277 |
| Efficiency ratio | 59.0426% | 4,584 |
| Assets per employee ($millions) | 5.9810% | 1,522 |
| Cash dividends to net income (ytd only)* | 36.8286% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 1,139 |
| Loan loss allowance to noncurrent loans | 114.7556% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.9405% | 1,956 |
| Noncurrent loans to loans | 1.4830% | 1,357 |
| Net loans and leases to total assets | 62.3404% | 3,486 |
| Net loans and leases to deposits | 70.1449% | 3,781 |
| Net loans and leases to core deposits | 73.2553% | 3,899 |
| Total domestic deposits to total assets | 88.8738% | 1,212 |
| Equity capital to assets | 10.6672% | 2,993 |
| Core capital (leverage) ratio | 11.2612% | 2,134 |
| Tier 1 risk-based capital ratio | 16.4499% | 2,380 |
| Total risk-based capital ratio | 17.7039% | 2,324 |
| Memoranda: | ||
| Average total assets | $118,621,000 | 4,019 |
| Average earning assets | $110,577,000 | 4,006 |
| Average equity | $12,540,000 | 4,131 |
| Average total loans | $76,126,000 | 3,907 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 2,441 |
| Cost of funding earning assets | 0.7929% | 521 |
| Net interest margin | 3.4220% | 3,742 |
| Noninterest income to average assets | 0.1927% | 5,252 |
| Noninterest expense to average assets | 2.1534% | 4,882 |
| Loan and lease loss provision to assets | 0.2132% | 1,056 |
| Net operating income to assets | 1.0319% | 2,221 |
| Return on assets (ROA) | 1.2229% | 1,521 |
| Pretax return on assets | 1.2229% | 2,579 |
| Return on Equity (ROE) | 11.1496% | 1,524 |
| Retained earnings to average equity (ytd only) | 5.8003% | 1,825 |
| Net charge-offs to loans | 0.2616% | 1,059 |
| Credit loss provision to net charge-offs | 125.0000% | 2,135 |
| Earnings coverage of net charge-offs (x) | 7.3000% | 3,033 |
| Efficiency ratio | 63.3626% | 4,046 |
| Assets per employee ($millions) | 5.6011% | 1,780 |
| Cash dividends to net income (ytd only)* | 47.9777% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 980 |
| Loan loss allowance to noncurrent loans | 149.8346% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7711% | 2,424 |
| Noncurrent loans to loans | 1.1873% | 1,728 |
| Net loans and leases to total assets | 63.7894% | 3,382 |
| Net loans and leases to deposits | 71.6321% | 3,749 |
| Net loans and leases to core deposits | 74.8536% | 3,848 |
| Total domestic deposits to total assets | 89.0515% | 1,091 |
| Equity capital to assets | 10.4741% | 3,184 |
| Core capital (leverage) ratio | 11.1211% | 2,236 |
| Tier 1 risk-based capital ratio | 16.2831% | 2,433 |
| Total risk-based capital ratio | 17.5377% | 2,369 |
| Memoranda: | ||
| Average total assets | $117,258,600 | 4,042 |
| Average earning assets | $109,849,400 | 4,007 |
| Average equity | $12,861,400 | 4,111 |
| Average total loans | $76,442,000 | 3,888 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 2,235 |
| Cost of funding earning assets | 0.7874% | 542 |
| Net interest margin | 3.4900% | 3,508 |
| Noninterest income to average assets | 0.2094% | 5,215 |
| Noninterest expense to average assets | 1.8560% | 5,453 |
| Loan and lease loss provision to assets | 0.0569% | 3,103 |
| Net operating income to assets | 1.5647% | 777 |
| Return on assets (ROA) | 1.8014% | 520 |
| Pretax return on assets | 1.8014% | 897 |
| Return on Equity (ROE) | 16.2395% | 519 |
| Retained earnings to average equity (ytd only) | 11.7976% | 332 |
| Net charge-offs to loans | 0.0192% | 3,324 |
| Credit loss provision to net charge-offs | 454.5455% | 761 |
| Earnings coverage of net charge-offs (x) | 129.5126% | 528 |
| Efficiency ratio | 53.3704% | 5,280 |
| Assets per employee ($millions) | 5.6128% | 1,751 |
| Cash dividends to net income (ytd only)* | 27.3532% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 1,082 |
| Loan loss allowance to noncurrent loans | 166.6255% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6965% | 2,826 |
| Noncurrent loans to loans | 1.0576% | 2,129 |
| Net loans and leases to total assets | 63.7513% | 3,433 |
| Net loans and leases to deposits | 72.4661% | 3,756 |
| Net loans and leases to core deposits | 76.1366% | 3,820 |
| Total domestic deposits to total assets | 87.9739% | 1,416 |
| Equity capital to assets | 11.5620% | 2,461 |
| Core capital (leverage) ratio | 11.5405% | 1,994 |
| Tier 1 risk-based capital ratio | 16.6102% | 2,377 |
| Total risk-based capital ratio | 17.8642% | 2,320 |
| Memoranda: | ||
| Average total assets | $117,167,500 | 4,067 |
| Average earning assets | $109,720,750 | 4,030 |
| Average equity | $12,996,750 | 4,123 |
| Average total loans | $76,455,000 | 3,920 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2568% | 2,309 |
| Cost of funding earning assets | 0.7736% | 557 |
| Net interest margin | 3.4832% | 3,548 |
| Noninterest income to average assets | 0.2138% | 5,212 |
| Noninterest expense to average assets | 1.8438% | 5,542 |
| Loan and lease loss provision to assets | 0.0855% | 2,438 |
| Net operating income to assets | 1.5496% | 806 |
| Return on assets (ROA) | 1.6642% | 662 |
| Pretax return on assets | 1.6642% | 1,187 |
| Return on Equity (ROE) | 15.2194% | 648 |
| Retained earnings to average equity (ytd only) | 10.7146% | 477 |
| Net charge-offs to loans | 0.0131% | 3,283 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 191.2000% | 341 |
| Efficiency ratio | 52.9990% | 5,385 |
| Assets per employee ($millions) | 5.6820% | 1,636 |
| Cash dividends to net income (ytd only)* | 29.5992% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 1,167 |
| Loan loss allowance to noncurrent loans | 581.1159% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 4,668 |
| Noncurrent loans to loans | 0.3022% | 4,290 |
| Net loans and leases to total assets | 63.4851% | 3,439 |
| Net loans and leases to deposits | 71.8489% | 3,801 |
| Net loans and leases to core deposits | 75.6104% | 3,854 |
| Total domestic deposits to total assets | 88.3591% | 1,240 |
| Equity capital to assets | 11.1875% | 2,857 |
| Core capital (leverage) ratio | 10.9812% | 2,449 |
| Tier 1 risk-based capital ratio | 16.0490% | 2,620 |
| Total risk-based capital ratio | 17.3035% | 2,558 |
| Memoranda: | ||
| Average total assets | $116,933,670 | 4,107 |
| Average earning assets | $109,612,330 | 4,064 |
| Average equity | $12,786,330 | 4,181 |
| Average total loans | $76,443,000 | 3,939 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 2,155 |
| Cost of funding earning assets | 0.7738% | 569 |
| Net interest margin | 3.5209% | 3,389 |
| Noninterest income to average assets | 0.2143% | 5,206 |
| Noninterest expense to average assets | 1.9112% | 5,508 |
| Loan and lease loss provision to assets | 0.1728% | 1,185 |
| Net operating income to assets | 1.4170% | 1,015 |
| Return on assets (ROA) | 1.4342% | 1,021 |
| Pretax return on assets | 1.4342% | 1,792 |
| Return on Equity (ROE) | 13.2747% | 975 |
| Retained earnings to average equity (ytd only) | 8.6685% | 1,207 |
| Net charge-offs to loans | -0.0368% | 5,166 |
| Credit loss provision to net charge-offs | -714.2857% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5903% | 5,327 |
| Assets per employee ($millions) | 5.6536% | 1,703 |
| Cash dividends to net income (ytd only)* | 34.6988% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 1,151 |
| Loan loss allowance to noncurrent loans | 397.0930% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 4,374 |
| Noncurrent loans to loans | 0.4536% | 3,817 |
| Net loans and leases to total assets | 62.7239% | 3,423 |
| Net loans and leases to deposits | 70.6041% | 3,797 |
| Net loans and leases to core deposits | 74.2951% | 3,859 |
| Total domestic deposits to total assets | 88.8389% | 1,187 |
| Equity capital to assets | 10.7105% | 3,241 |
| Core capital (leverage) ratio | 10.8284% | 2,594 |
| Tier 1 risk-based capital ratio | 15.6547% | 2,842 |
| Total risk-based capital ratio | 16.9097% | 2,768 |
| Memoranda: | ||
| Average total assets | $115,740,000 | 4,157 |
| Average earning assets | $108,040,000 | 4,126 |
| Average equity | $12,505,000 | 4,240 |
| Average total loans | $76,112,000 | 3,962 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3038% | 2,219 |
| Cost of funding earning assets | 0.7419% | 663 |
| Net interest margin | 3.5619% | 3,278 |
| Noninterest income to average assets | 0.1964% | 5,409 |
| Noninterest expense to average assets | 2.3076% | 4,761 |
| Loan and lease loss provision to assets | 0.2242% | 912 |
| Net operating income to assets | 0.9758% | 2,488 |
| Return on assets (ROA) | 1.0152% | 2,361 |
| Pretax return on assets | 1.0152% | 3,398 |
| Return on Equity (ROE) | 9.3401% | 2,301 |
| Retained earnings to average equity (ytd only) | 4.7113% | 2,635 |
| Net charge-offs to loans | 0.0786% | 2,690 |
| Credit loss provision to net charge-offs | 423.7288% | 727 |
| Earnings coverage of net charge-offs (x) | 22.6780% | 1,764 |
| Efficiency ratio | 65.7888% | 3,938 |
| Assets per employee ($millions) | 5.6378% | 1,669 |
| Cash dividends to net income (ytd only)* | 49.5583% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 1,326 |
| Loan loss allowance to noncurrent loans | 1,335.7143% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 5,238 |
| Noncurrent loans to loans | 0.1283% | 4,980 |
| Net loans and leases to total assets | 66.5868% | 2,900 |
| Net loans and leases to deposits | 75.1318% | 3,369 |
| Net loans and leases to core deposits | 79.0765% | 3,440 |
| Total domestic deposits to total assets | 88.6267% | 1,319 |
| Equity capital to assets | 10.9033% | 2,932 |
| Core capital (leverage) ratio | 11.0101% | 2,395 |
| Tier 1 risk-based capital ratio | 15.4300% | 2,967 |
| Total risk-based capital ratio | 16.6840% | 2,903 |
| Memoranda: | ||
| Average total assets | $111,500,000 | 4,231 |
| Average earning assets | $103,653,000 | 4,192 |
| Average equity | $12,119,800 | 4,283 |
| Average total loans | $75,017,800 | 3,968 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,264 |
| Cost of funding earning assets | 0.7367% | 697 |
| Net interest margin | 3.5543% | 3,324 |
| Noninterest income to average assets | 0.2051% | 5,423 |
| Noninterest expense to average assets | 1.9666% | 5,537 |
| Loan and lease loss provision to assets | 0.2998% | 491 |
| Net operating income to assets | 1.2423% | 1,520 |
| Return on assets (ROA) | 1.2747% | 1,466 |
| Pretax return on assets | 1.2747% | 2,497 |
| Return on Equity (ROE) | 11.7363% | 1,450 |
| Retained earnings to average equity (ytd only) | 7.1323% | 1,626 |
| Net charge-offs to loans | 0.0161% | 3,631 |
| Credit loss provision to net charge-offs | 2,777.7778% | 130 |
| Earnings coverage of net charge-offs (x) | 142.8850% | 481 |
| Efficiency ratio | 56.0492% | 5,347 |
| Assets per employee ($millions) | 5.6221% | 1,666 |
| Cash dividends to net income (ytd only)* | 39.2288% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8069% | 1,251 |
| Loan loss allowance to noncurrent loans | 593.4498% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 4,911 |
| Noncurrent loans to loans | 0.3045% | 4,510 |
| Net loans and leases to total assets | 65.6810% | 3,062 |
| Net loans and leases to deposits | 74.3122% | 3,510 |
| Net loans and leases to core deposits | 78.2325% | 3,587 |
| Total domestic deposits to total assets | 88.3851% | 1,348 |
| Equity capital to assets | 11.1542% | 2,844 |
| Core capital (leverage) ratio | 11.1752% | 2,325 |
| Tier 1 risk-based capital ratio | 15.7882% | 2,903 |
| Total risk-based capital ratio | 17.0434% | 2,835 |
| Memoranda: | ||
| Average total assets | $111,186,250 | 4,283 |
| Average earning assets | $103,346,750 | 4,255 |
| Average equity | $12,076,250 | 4,343 |
| Average total loans | $74,675,000 | 4,021 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 2,280 |
| Cost of funding earning assets | 0.7284% | 726 |
| Net interest margin | 3.5426% | 3,324 |
| Noninterest income to average assets | 0.2094% | 5,433 |
| Noninterest expense to average assets | 2.0024% | 5,525 |
| Loan and lease loss provision to assets | 0.3160% | 457 |
| Net operating income to assets | 1.1754% | 1,680 |
| Return on assets (ROA) | 1.2170% | 1,630 |
| Pretax return on assets | 1.2170% | 2,709 |
| Return on Equity (ROE) | 11.3078% | 1,587 |
| Retained earnings to average equity (ytd only) | 6.5934% | 1,901 |
| Net charge-offs to loans | 0.0456% | 2,782 |
| Credit loss provision to net charge-offs | 1,029.4118% | 344 |
| Earnings coverage of net charge-offs (x) | 48.5882% | 977 |
| Efficiency ratio | 57.3127% | 5,305 |
| Assets per employee ($millions) | 5.6109% | 1,647 |
| Cash dividends to net income (ytd only)* | 41.6914% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6881% | 1,629 |
| Loan loss allowance to noncurrent loans | 6,715.7895% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 5,786 |
| Noncurrent loans to loans | 0.0251% | 5,659 |
| Net loans and leases to total assets | 66.2220% | 2,913 |
| Net loans and leases to deposits | 74.5987% | 3,425 |
| Net loans and leases to core deposits | 78.5209% | 3,527 |
| Total domestic deposits to total assets | 88.7710% | 1,259 |
| Equity capital to assets | 10.7737% | 3,139 |
| Core capital (leverage) ratio | 11.0172% | 2,405 |
| Tier 1 risk-based capital ratio | 15.5495% | 3,076 |
| Total risk-based capital ratio | 16.8038% | 3,019 |
| Memoranda: | ||
| Average total assets | $110,767,670 | 4,327 |
| Average earning assets | $102,693,330 | 4,305 |
| Average equity | $11,921,000 | 4,394 |
| Average total loans | $74,496,000 | 4,044 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 2,262 |
| Cost of funding earning assets | 0.7266% | 750 |
| Net interest margin | 3.5267% | 3,318 |
| Noninterest income to average assets | 0.2145% | 5,418 |
| Noninterest expense to average assets | 2.0029% | 5,575 |
| Loan and lease loss provision to assets | 0.3635% | 345 |
| Net operating income to assets | 1.1123% | 1,826 |
| Return on assets (ROA) | 1.1668% | 1,750 |
| Pretax return on assets | 1.1668% | 2,803 |
| Return on Equity (ROE) | 10.8478% | 1,675 |
| Retained earnings to average equity (ytd only) | 5.9815% | 2,516 |
| Net charge-offs to loans | 0.0811% | 1,895 |
| Credit loss provision to net charge-offs | 666.6667% | 440 |
| Earnings coverage of net charge-offs (x) | 27.0667% | 1,221 |
| Efficiency ratio | 57.5758% | 5,379 |
| Assets per employee ($millions) | 5.8394% | 1,522 |
| Cash dividends to net income (ytd only)* | 44.8598% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 2,001 |
| Loan loss allowance to noncurrent loans | 20,050.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 5,896 |
| Noncurrent loans to loans | 0.0080% | 5,779 |
| Net loans and leases to total assets | 66.1124% | 2,747 |
| Net loans and leases to deposits | 74.5331% | 3,233 |
| Net loans and leases to core deposits | 77.8756% | 3,393 |
| Total domestic deposits to total assets | 88.7020% | 1,450 |
| Equity capital to assets | 10.8383% | 3,154 |
| Core capital (leverage) ratio | 11.0031% | 2,409 |
| Tier 1 risk-based capital ratio | 15.9524% | 2,945 |
| Total risk-based capital ratio | 17.2064% | 2,884 |
| Memoranda: | ||
| Average total assets | $110,042,500 | 4,366 |
| Average earning assets | $101,850,500 | 4,347 |
| Average equity | $11,836,500 | 4,443 |
| Average total loans | $73,949,500 | 4,081 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 3,074 |
| Cost of funding earning assets | 0.8006% | 651 |
| Net interest margin | 3.3616% | 4,366 |
| Noninterest income to average assets | 0.2323% | 5,469 |
| Noninterest expense to average assets | 2.2128% | 5,325 |
| Loan and lease loss provision to assets | 0.2342% | 1,029 |
| Net operating income to assets | 0.9087% | 2,830 |
| Return on assets (ROA) | 0.9490% | 2,721 |
| Pretax return on assets | 0.9490% | 3,695 |
| Return on Equity (ROE) | 9.0113% | 2,576 |
| Retained earnings to average equity (ytd only) | 4.5101% | 2,963 |
| Net charge-offs to loans | 0.3592% | 1,216 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 4.8800% | 3,543 |
| Efficiency ratio | 65.9408% | 4,263 |
| Assets per employee ($millions) | 5.7440% | 1,562 |
| Cash dividends to net income (ytd only)* | 49.9506% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 2,369 |
| Loan loss allowance to noncurrent loans | 5,323.8095% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 5,931 |
| Noncurrent loans to loans | 0.0286% | 5,774 |
| Net loans and leases to total assets | 66.1807% | 2,854 |
| Net loans and leases to deposits | 75.2325% | 3,285 |
| Net loans and leases to core deposits | 78.7104% | 3,442 |
| Total domestic deposits to total assets | 87.9682% | 1,789 |
| Equity capital to assets | 10.6729% | 3,271 |
| Core capital (leverage) ratio | 10.8923% | 2,501 |
| Tier 1 risk-based capital ratio | 16.5077% | 2,708 |
| Total risk-based capital ratio | 17.7608% | 2,660 |
| Memoranda: | ||
| Average total assets | $106,744,800 | 4,442 |
| Average earning assets | $99,180,200 | 4,414 |
| Average equity | $11,241,400 | 4,514 |
| Average total loans | $69,594,200 | 4,197 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1704% | 3,090 |
| Cost of funding earning assets | 0.8098% | 651 |
| Net interest margin | 3.3607% | 4,390 |
| Noninterest income to average assets | 0.2361% | 5,511 |
| Noninterest expense to average assets | 1.9859% | 5,794 |
| Loan and lease loss provision to assets | 0.3140% | 604 |
| Net operating income to assets | 1.0589% | 2,203 |
| Return on assets (ROA) | 1.0953% | 2,121 |
| Pretax return on assets | 1.0953% | 3,207 |
| Return on Equity (ROE) | 10.4369% | 2,025 |
| Retained earnings to average equity (ytd only) | 5.7091% | 2,595 |
| Net charge-offs to loans | 0.4505% | 872 |
| Credit loss provision to net charge-offs | 107.7586% | 2,065 |
| Earnings coverage of net charge-offs (x) | 4.7111% | 3,393 |
| Efficiency ratio | 59.1249% | 5,298 |
| Assets per employee ($millions) | 5.6514% | 1,596 |
| Cash dividends to net income (ytd only)* | 45.2978% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 2,269 |
| Loan loss allowance to noncurrent loans | 269.8337% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 4,718 |
| Noncurrent loans to loans | 0.5969% | 4,140 |
| Net loans and leases to total assets | 64.6265% | 3,086 |
| Net loans and leases to deposits | 73.5768% | 3,486 |
| Net loans and leases to core deposits | 77.0385% | 3,631 |
| Total domestic deposits to total assets | 87.8354% | 1,845 |
| Equity capital to assets | 10.7919% | 3,191 |
| Core capital (leverage) ratio | 11.0710% | 2,415 |
| Tier 1 risk-based capital ratio | 16.8110% | 2,685 |
| Total risk-based capital ratio | 18.0662% | 2,629 |
| Memoranda: | ||
| Average total assets | $106,147,000 | 4,497 |
| Average earning assets | $98,629,000 | 4,479 |
| Average equity | $11,139,750 | 4,566 |
| Average total loans | $68,656,500 | 4,251 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1152% | 3,281 |
| Cost of funding earning assets | 0.8190% | 648 |
| Net interest margin | 3.2962% | 4,606 |
| Noninterest income to average assets | 0.2383% | 5,490 |
| Noninterest expense to average assets | 1.9350% | 5,938 |
| Loan and lease loss provision to assets | 0.2364% | 960 |
| Net operating income to assets | 1.1273% | 1,831 |
| Return on assets (ROA) | 1.1576% | 1,806 |
| Pretax return on assets | 1.1576% | 2,843 |
| Return on Equity (ROE) | 11.1371% | 1,697 |
| Retained earnings to average equity (ytd only) | 5.8779% | 2,396 |
| Net charge-offs to loans | 0.2499% | 1,558 |
| Credit loss provision to net charge-offs | 147.0588% | 1,476 |
| Earnings coverage of net charge-offs (x) | 8.4824% | 2,484 |
| Efficiency ratio | 58.6583% | 5,474 |
| Assets per employee ($millions) | 5.3452% | 1,833 |
| Cash dividends to net income (ytd only)* | 47.2222% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 2,245 |
| Loan loss allowance to noncurrent loans | 132.1918% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 3,487 |
| Noncurrent loans to loans | 1.2609% | 2,701 |
| Net loans and leases to total assets | 63.9059% | 3,085 |
| Net loans and leases to deposits | 72.6517% | 3,485 |
| Net loans and leases to core deposits | 75.6559% | 3,656 |
| Total domestic deposits to total assets | 87.9621% | 1,922 |
| Equity capital to assets | 10.6638% | 3,233 |
| Core capital (leverage) ratio | 10.9286% | 2,499 |
| Tier 1 risk-based capital ratio | 16.1938% | 2,983 |
| Total risk-based capital ratio | 17.4480% | 2,932 |
| Memoranda: | ||
| Average total assets | $105,737,000 | 4,539 |
| Average earning assets | $98,173,670 | 4,522 |
| Average equity | $10,990,330 | 4,612 |
| Average total loans | $68,032,000 | 4,294 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 3,151 |
| Cost of funding earning assets | 0.8312% | 637 |
| Net interest margin | 3.3043% | 4,517 |
| Noninterest income to average assets | 0.2206% | 5,592 |
| Noninterest expense to average assets | 1.9819% | 5,919 |
| Loan and lease loss provision to assets | 0.1902% | 1,246 |
| Net operating income to assets | 1.1184% | 1,737 |
| Return on assets (ROA) | 1.1412% | 1,728 |
| Pretax return on assets | 1.1412% | 2,730 |
| Return on Equity (ROE) | 11.1260% | 1,642 |
| Retained earnings to average equity (ytd only) | 5.7485% | 2,668 |
| Net charge-offs to loans | 0.4635% | 783 |
| Credit loss provision to net charge-offs | 64.1026% | 2,068 |
| Earnings coverage of net charge-offs (x) | 4.4103% | 2,534 |
| Efficiency ratio | 60.2312% | 5,367 |
| Assets per employee ($millions) | 5.3395% | 1,874 |
| Cash dividends to net income (ytd only)* | 48.3333% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 2,637 |
| Loan loss allowance to noncurrent loans | 524.0385% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 5,575 |
| Noncurrent loans to loans | 0.3079% | 5,185 |
| Net loans and leases to total assets | 62.2302% | 3,201 |
| Net loans and leases to deposits | 70.4764% | 3,539 |
| Net loans and leases to core deposits | 74.5279% | 3,586 |
| Total domestic deposits to total assets | 88.2994% | 2,058 |
| Equity capital to assets | 10.3278% | 3,427 |
| Core capital (leverage) ratio | 10.8538% | 2,539 |
| Tier 1 risk-based capital ratio | 15.9738% | 3,181 |
| Total risk-based capital ratio | 17.2068% | 3,140 |
| Memoranda: | ||
| Average total assets | $105,153,500 | 4,603 |
| Average earning assets | $97,691,500 | 4,577 |
| Average equity | $10,785,500 | 4,669 |
| Average total loans | $67,310,000 | 4,346 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 3,052 |
| Cost of funding earning assets | 0.8931% | 767 |
| Net interest margin | 3.3817% | 4,356 |
| Noninterest income to average assets | 0.2291% | 5,706 |
| Noninterest expense to average assets | 2.4339% | 4,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9350% | 2,624 |
| Return on assets (ROA) | 0.9967% | 2,409 |
| Pretax return on assets | 0.9967% | 3,361 |
| Return on Equity (ROE) | 9.5176% | 2,323 |
| Retained earnings to average equity (ytd only) | 4.2726% | 3,136 |
| Net charge-offs to loans | 0.3175% | 2,100 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.6814% | 3,490 |
| Efficiency ratio | 72.2464% | 3,430 |
| Assets per employee ($millions) | 5.1759% | 1,983 |
| Cash dividends to net income (ytd only)* | 55.1081% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 2,512 |
| Loan loss allowance to noncurrent loans | 604.3243% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 5,707 |
| Noncurrent loans to loans | 0.2758% | 5,347 |
| Net loans and leases to total assets | 63.7155% | 3,088 |
| Net loans and leases to deposits | 72.0692% | 3,511 |
| Net loans and leases to core deposits | 76.3418% | 3,575 |
| Total domestic deposits to total assets | 88.4088% | 1,945 |
| Equity capital to assets | 10.1837% | 3,532 |
| Core capital (leverage) ratio | 10.8923% | 2,484 |
| Tier 1 risk-based capital ratio | 15.8987% | 3,147 |
| Total risk-based capital ratio | 17.1526% | 3,102 |
| Memoranda: | ||
| Average total assets | $102,140,000 | 4,692 |
| Average earning assets | $94,833,600 | 4,657 |
| Average equity | $10,696,000 | 4,698 |
| Average total loans | $64,248,200 | 4,475 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 3,096 |
| Cost of funding earning assets | 0.9075% | 787 |
| Net interest margin | 3.3662% | 4,412 |
| Noninterest income to average assets | 0.2345% | 5,753 |
| Noninterest expense to average assets | 2.2279% | 5,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1303% | 1,882 |
| Return on assets (ROA) | 1.2115% | 1,670 |
| Pretax return on assets | 1.2115% | 2,652 |
| Return on Equity (ROE) | 11.4891% | 1,659 |
| Retained earnings to average equity (ytd only) | 6.2103% | 2,281 |
| Net charge-offs to loans | 0.3336% | 1,876 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.4278% | 3,196 |
| Efficiency ratio | 66.3417% | 4,425 |
| Assets per employee ($millions) | 5.3859% | 1,751 |
| Cash dividends to net income (ytd only)* | 45.9458% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 2,291 |
| Loan loss allowance to noncurrent loans | 413.8790% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 5,451 |
| Noncurrent loans to loans | 0.4360% | 5,108 |
| Net loans and leases to total assets | 61.8389% | 3,387 |
| Net loans and leases to deposits | 70.9627% | 3,647 |
| Net loans and leases to core deposits | 75.2834% | 3,702 |
| Total domestic deposits to total assets | 87.1428% | 2,609 |
| Equity capital to assets | 10.4620% | 3,325 |
| Core capital (leverage) ratio | 11.1375% | 2,352 |
| Tier 1 risk-based capital ratio | 15.9575% | 3,217 |
| Total risk-based capital ratio | 17.2124% | 3,170 |
| Memoranda: | ||
| Average total assets | $101,795,500 | 4,742 |
| Average earning assets | $94,466,000 | 4,713 |
| Average equity | $10,734,500 | 4,750 |
| Average total loans | $63,541,500 | 4,539 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 3,130 |
| Cost of funding earning assets | 0.9029% | 884 |
| Net interest margin | 3.3537% | 4,364 |
| Noninterest income to average assets | 0.2401% | 5,733 |
| Noninterest expense to average assets | 2.2260% | 5,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1356% | 1,790 |
| Return on assets (ROA) | 1.2498% | 1,551 |
| Pretax return on assets | 1.2498% | 2,484 |
| Return on Equity (ROE) | 11.8206% | 1,550 |
| Retained earnings to average equity (ytd only) | 6.2733% | 2,277 |
| Net charge-offs to loans | 0.3953% | 1,630 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.6160% | 3,082 |
| Efficiency ratio | 66.2178% | 4,508 |
| Assets per employee ($millions) | 5.4205% | 1,670 |
| Cash dividends to net income (ytd only)* | 46.9291% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8536% | 2,252 |
| Loan loss allowance to noncurrent loans | 436.8613% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 5,695 |
| Noncurrent loans to loans | 0.4243% | 5,199 |
| Net loans and leases to total assets | 61.5396% | 3,380 |
| Net loans and leases to deposits | 70.8216% | 3,613 |
| Net loans and leases to core deposits | 75.4431% | 3,619 |
| Total domestic deposits to total assets | 86.8937% | 2,887 |
| Equity capital to assets | 10.2458% | 3,601 |
| Core capital (leverage) ratio | 11.0052% | 2,347 |
| Tier 1 risk-based capital ratio | 15.5866% | 3,434 |
| Total risk-based capital ratio | 16.8413% | 3,381 |
| Memoranda: | ||
| Average total assets | $101,616,670 | 4,777 |
| Average earning assets | $94,581,000 | 4,743 |
| Average equity | $10,744,000 | 4,784 |
| Average total loans | $63,240,670 | 4,566 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 2,642 |
| Cost of funding earning assets | 0.9133% | 929 |
| Net interest margin | 3.4518% | 3,897 |
| Noninterest income to average assets | 0.2814% | 5,448 |
| Noninterest expense to average assets | 2.2312% | 5,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2405% | 1,414 |
| Return on assets (ROA) | 1.3514% | 1,243 |
| Pretax return on assets | 1.3514% | 2,036 |
| Return on Equity (ROE) | 12.5830% | 1,271 |
| Retained earnings to average equity (ytd only) | 7.1218% | 2,101 |
| Net charge-offs to loans | -0.0384% | 6,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2694% | 4,966 |
| Assets per employee ($millions) | 5.3281% | 1,830 |
| Cash dividends to net income (ytd only)* | 43.4018% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1248% | 1,743 |
| Loan loss allowance to noncurrent loans | 623.4742% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 5,933 |
| Noncurrent loans to loans | 0.3408% | 5,552 |
| Net loans and leases to total assets | 60.4254% | 3,357 |
| Net loans and leases to deposits | 70.0458% | 3,473 |
| Net loans and leases to core deposits | 73.4011% | 3,650 |
| Total domestic deposits to total assets | 86.2655% | 3,379 |
| Equity capital to assets | 10.8481% | 3,146 |
| Core capital (leverage) ratio | 11.0823% | 2,194 |
| Tier 1 risk-based capital ratio | 15.8283% | 3,356 |
| Total risk-based capital ratio | 17.0862% | 3,317 |
| Memoranda: | ||
| Average total assets | $100,930,500 | 4,844 |
| Average earning assets | $93,283,500 | 4,818 |
| Average equity | $10,840,000 | 4,801 |
| Average total loans | $62,573,000 | 4,615 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 2,837 |
| Cost of funding earning assets | 1.0160% | 1,269 |
| Net interest margin | 3.6257% | 3,984 |
| Noninterest income to average assets | 0.3305% | 5,089 |
| Noninterest expense to average assets | 2.3872% | 5,443 |
| Loan and lease loss provision to assets | 0.7163% | 713 |
| Net operating income to assets | 0.5536% | 4,459 |
| Return on assets (ROA) | 0.9813% | 2,644 |
| Pretax return on assets | 0.9813% | 3,611 |
| Return on Equity (ROE) | 8.9416% | 2,669 |
| Retained earnings to average equity (ytd only) | 4.5034% | 3,063 |
| Net charge-offs to loans | 0.6615% | 1,780 |
| Credit loss provision to net charge-offs | 175.8794% | 1,493 |
| Earnings coverage of net charge-offs (x) | 3.1181% | 3,875 |
| Efficiency ratio | 65.2770% | 4,650 |
| Assets per employee ($millions) | 5.5904% | 1,604 |
| Cash dividends to net income (ytd only)* | 49.6350% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1102% | 1,744 |
| Loan loss allowance to noncurrent loans | 273.7060% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 5,274 |
| Noncurrent loans to loans | 0.7710% | 4,640 |
| Net loans and leases to total assets | 60.9429% | 3,431 |
| Net loans and leases to deposits | 71.3040% | 3,520 |
| Net loans and leases to core deposits | 74.5430% | 3,712 |
| Total domestic deposits to total assets | 85.4691% | 3,629 |
| Equity capital to assets | 10.6313% | 3,363 |
| Core capital (leverage) ratio | 10.9957% | 2,256 |
| Tier 1 risk-based capital ratio | 15.5388% | 3,400 |
| Total risk-based capital ratio | 16.7970% | 3,361 |
| Memoranda: | ||
| Average total assets | $97,729,400 | 4,898 |
| Average earning assets | $89,666,000 | 4,879 |
| Average equity | $10,725,200 | 4,810 |
| Average total loans | $60,163,400 | 4,709 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 2,842 |
| Cost of funding earning assets | 1.0273% | 1,409 |
| Net interest margin | 3.6622% | 3,958 |
| Noninterest income to average assets | 0.3670% | 4,894 |
| Noninterest expense to average assets | 2.1552% | 6,049 |
| Loan and lease loss provision to assets | 0.9621% | 441 |
| Net operating income to assets | 0.6061% | 4,365 |
| Return on assets (ROA) | 1.0363% | 2,556 |
| Pretax return on assets | 1.0363% | 3,579 |
| Return on Equity (ROE) | 9.3674% | 2,648 |
| Retained earnings to average equity (ytd only) | 6.1994% | 2,565 |
| Net charge-offs to loans | 1.0995% | 926 |
| Credit loss provision to net charge-offs | 142.5662% | 2,020 |
| Earnings coverage of net charge-offs (x) | 2.3238% | 4,113 |
| Efficiency ratio | 57.8811% | 5,807 |
| Assets per employee ($millions) | 5.3698% | 1,760 |
| Cash dividends to net income (ytd only)* | 33.8194% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0422% | 2,057 |
| Loan loss allowance to noncurrent loans | 204.4925% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 5,117 |
| Noncurrent loans to loans | 0.9987% | 4,453 |
| Net loans and leases to total assets | 60.9895% | 3,574 |
| Net loans and leases to deposits | 72.1516% | 3,588 |
| Net loans and leases to core deposits | 75.6050% | 3,776 |
| Total domestic deposits to total assets | 84.5297% | 3,962 |
| Equity capital to assets | 11.4168% | 2,832 |
| Core capital (leverage) ratio | 11.2604% | 2,168 |
| Tier 1 risk-based capital ratio | 16.3340% | 3,096 |
| Total risk-based capital ratio | 17.5917% | 3,056 |
| Memoranda: | ||
| Average total assets | $97,005,000 | 4,960 |
| Average earning assets | $88,906,500 | 4,941 |
| Average equity | $10,732,000 | 4,865 |
| Average total loans | $59,542,500 | 4,782 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6707% | 3,044 |
| Cost of funding earning assets | 1.0347% | 1,550 |
| Net interest margin | 3.6360% | 4,101 |
| Noninterest income to average assets | 0.3789% | 4,804 |
| Noninterest expense to average assets | 2.1375% | 6,163 |
| Loan and lease loss provision to assets | 0.6178% | 942 |
| Net operating income to assets | 0.9596% | 2,617 |
| Return on assets (ROA) | 1.3694% | 1,420 |
| Pretax return on assets | 1.3694% | 2,324 |
| Return on Equity (ROE) | 12.5106% | 1,503 |
| Retained earnings to average equity (ytd only) | 7.7133% | 1,759 |
| Net charge-offs to loans | 0.8360% | 1,324 |
| Credit loss provision to net charge-offs | 120.9677% | 2,268 |
| Earnings coverage of net charge-offs (x) | 3.0887% | 3,505 |
| Efficiency ratio | 57.5388% | 5,927 |
| Assets per employee ($millions) | 5.4882% | 1,634 |
| Cash dividends to net income (ytd only)* | 38.3459% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 2,966 |
| Loan loss allowance to noncurrent loans | 90.2357% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2228% | 3,970 |
| Noncurrent loans to loans | 1.9572% | 2,995 |
| Net loans and leases to total assets | 60.3592% | 3,757 |
| Net loans and leases to deposits | 71.8874% | 3,629 |
| Net loans and leases to core deposits | 74.8895% | 3,905 |
| Total domestic deposits to total assets | 83.9635% | 4,329 |
| Equity capital to assets | 11.0632% | 3,049 |
| Core capital (leverage) ratio | 11.0357% | 2,262 |
| Tier 1 risk-based capital ratio | 15.7972% | 3,277 |
| Total risk-based capital ratio | 17.0514% | 3,241 |
| Memoranda: | ||
| Average total assets | $97,121,330 | 4,975 |
| Average earning assets | $89,108,670 | 4,963 |
| Average equity | $10,631,000 | 4,887 |
| Average total loans | $59,330,330 | 4,815 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6517% | 3,256 |
| Cost of funding earning assets | 1.0483% | 1,688 |
| Net interest margin | 3.6033% | 4,258 |
| Noninterest income to average assets | 0.5151% | 3,813 |
| Noninterest expense to average assets | 2.2142% | 6,004 |
| Loan and lease loss provision to assets | 0.8308% | 574 |
| Net operating income to assets | 0.7685% | 3,530 |
| Return on assets (ROA) | 1.1466% | 2,074 |
| Pretax return on assets | 1.1466% | 3,132 |
| Return on Equity (ROE) | 10.5323% | 2,218 |
| Retained earnings to average equity (ytd only) | 6.3347% | 2,778 |
| Net charge-offs to loans | -0.2796% | 7,048 |
| Credit loss provision to net charge-offs | -487.8049% | 5,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0610% | 5,906 |
| Assets per employee ($millions) | 5.7858% | 1,443 |
| Cash dividends to net income (ytd only)* | 39.8551% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1159% | 2,066 |
| Loan loss allowance to noncurrent loans | 386.8098% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 5,809 |
| Noncurrent loans to loans | 0.5470% | 5,564 |
| Net loans and leases to total assets | 59.3093% | 3,806 |
| Net loans and leases to deposits | 70.3326% | 3,682 |
| Net loans and leases to core deposits | 73.0369% | 4,018 |
| Total domestic deposits to total assets | 84.3268% | 4,356 |
| Equity capital to assets | 10.6803% | 3,291 |
| Core capital (leverage) ratio | 10.9783% | 2,275 |
| Tier 1 risk-based capital ratio | 15.9334% | 3,208 |
| Total risk-based capital ratio | 17.1915% | 3,172 |
| Memoranda: | ||
| Average total assets | $96,288,500 | 5,033 |
| Average earning assets | $88,140,500 | 5,017 |
| Average equity | $10,482,000 | 4,922 |
| Average total loans | $58,646,000 | 4,871 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2449% | 1,896 |
| Cost of funding earning assets | 1.1987% | 2,031 |
| Net interest margin | 4.0462% | 2,649 |
| Noninterest income to average assets | 0.2630% | 5,652 |
| Noninterest expense to average assets | 2.5202% | 5,402 |
| Loan and lease loss provision to assets | 0.5303% | 1,973 |
| Net operating income to assets | 0.9323% | 2,474 |
| Return on assets (ROA) | 1.4362% | 1,038 |
| Pretax return on assets | 1.4362% | 1,667 |
| Return on Equity (ROE) | 13.2727% | 1,098 |
| Retained earnings to average equity (ytd only) | 6.4795% | 1,748 |
| Net charge-offs to loans | 0.8026% | 2,155 |
| Credit loss provision to net charge-offs | 110.1322% | 3,038 |
| Earnings coverage of net charge-offs (x) | 3.0374% | 3,690 |
| Efficiency ratio | 63.2756% | 5,248 |
| Assets per employee ($millions) | 5.2343% | 1,905 |
| Cash dividends to net income (ytd only)* | 51.1817% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 2,971 |
| Loan loss allowance to noncurrent loans | 621.9512% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 6,262 |
| Noncurrent loans to loans | 0.2843% | 6,155 |
| Net loans and leases to total assets | 60.1530% | 3,966 |
| Net loans and leases to deposits | 71.8788% | 3,814 |
| Net loans and leases to core deposits | 74.5429% | 4,169 |
| Total domestic deposits to total assets | 83.6868% | 4,455 |
| Equity capital to assets | 11.1009% | 2,890 |
| Core capital (leverage) ratio | 10.9764% | 2,284 |
| Tier 1 risk-based capital ratio | 16.6392% | 2,760 |
| Total risk-based capital ratio | 17.8941% | 2,719 |
| Memoranda: | ||
| Average total assets | $94,279,600 | 5,069 |
| Average earning assets | $86,674,800 | 5,037 |
| Average equity | $10,201,400 | 4,966 |
| Average total loans | $56,567,000 | 5,005 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3690% | 1,608 |
| Cost of funding earning assets | 1.2264% | 2,152 |
| Net interest margin | 4.1427% | 2,296 |
| Noninterest income to average assets | 0.2573% | 5,781 |
| Noninterest expense to average assets | 2.2270% | 6,219 |
| Loan and lease loss provision to assets | 0.5656% | 1,736 |
| Net operating income to assets | 1.2811% | 1,431 |
| Return on assets (ROA) | 1.7420% | 632 |
| Pretax return on assets | 1.7420% | 1,057 |
| Return on Equity (ROE) | 16.2043% | 656 |
| Retained earnings to average equity (ytd only) | 9.9962% | 845 |
| Net charge-offs to loans | 0.3601% | 3,292 |
| Credit loss provision to net charge-offs | 263.1579% | 1,084 |
| Earnings coverage of net charge-offs (x) | 8.5922% | 2,153 |
| Efficiency ratio | 54.6685% | 6,427 |
| Assets per employee ($millions) | 5.2973% | 1,816 |
| Cash dividends to net income (ytd only)* | 38.3117% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1465% | 1,972 |
| Loan loss allowance to noncurrent loans | 177.6163% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 5,290 |
| Noncurrent loans to loans | 1.2085% | 4,524 |
| Net loans and leases to total assets | 58.4241% | 4,432 |
| Net loans and leases to deposits | 69.9384% | 4,311 |
| Net loans and leases to core deposits | 72.5015% | 4,648 |
| Total domestic deposits to total assets | 83.5366% | 4,463 |
| Equity capital to assets | 11.3161% | 2,846 |
| Core capital (leverage) ratio | 11.0176% | 2,373 |
| Tier 1 risk-based capital ratio | 16.7541% | 2,737 |
| Total risk-based capital ratio | 18.0121% | 2,707 |
| Memoranda: | ||
| Average total assets | $94,295,000 | 5,093 |
| Average earning assets | $86,866,250 | 5,067 |
| Average equity | $10,137,000 | 5,001 |
| Average total loans | $56,285,000 | 5,065 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4878% | 1,324 |
| Cost of funding earning assets | 1.2439% | 2,296 |
| Net interest margin | 4.2439% | 1,866 |
| Noninterest income to average assets | 0.2448% | 5,895 |
| Noninterest expense to average assets | 2.2567% | 6,226 |
| Loan and lease loss provision to assets | 0.4258% | 2,305 |
| Net operating income to assets | 1.4775% | 930 |
| Return on assets (ROA) | 1.7095% | 633 |
| Pretax return on assets | 1.7095% | 1,037 |
| Return on Equity (ROE) | 16.1906% | 649 |
| Retained earnings to average equity (ytd only) | 9.8595% | 886 |
| Net charge-offs to loans | 0.4494% | 2,779 |
| Credit loss provision to net charge-offs | 158.7302% | 1,916 |
| Earnings coverage of net charge-offs (x) | 7.0952% | 2,272 |
| Efficiency ratio | 54.2477% | 6,599 |
| Assets per employee ($millions) | 5.2852% | 1,777 |
| Cash dividends to net income (ytd only)* | 39.1034% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 2,896 |
| Loan loss allowance to noncurrent loans | 389.5911% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 6,349 |
| Noncurrent loans to loans | 0.4693% | 5,966 |
| Net loans and leases to total assets | 59.1460% | 4,435 |
| Net loans and leases to deposits | 70.7133% | 4,336 |
| Net loans and leases to core deposits | 73.3048% | 4,667 |
| Total domestic deposits to total assets | 83.6420% | 4,490 |
| Equity capital to assets | 11.1979% | 2,770 |
| Core capital (leverage) ratio | 10.8066% | 2,415 |
| Tier 1 risk-based capital ratio | 15.8125% | 3,075 |
| Total risk-based capital ratio | 17.0667% | 3,052 |
| Memoranda: | ||
| Average total assets | $93,943,000 | 5,141 |
| Average earning assets | $86,665,670 | 5,111 |
| Average equity | $9,919,330 | 5,068 |
| Average total loans | $56,070,000 | 5,119 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6778% | 925 |
| Cost of funding earning assets | 1.2834% | 2,285 |
| Net interest margin | 4.3944% | 1,294 |
| Noninterest income to average assets | 0.2357% | 6,025 |
| Noninterest expense to average assets | 2.4082% | 5,860 |
| Loan and lease loss provision to assets | 0.6428% | 1,341 |
| Net operating income to assets | 1.2341% | 1,443 |
| Return on assets (ROA) | 1.4698% | 974 |
| Pretax return on assets | 1.4698% | 1,533 |
| Return on Equity (ROE) | 14.3627% | 924 |
| Retained earnings to average equity (ytd only) | 7.7885% | 1,814 |
| Net charge-offs to loans | 0.7142% | 1,786 |
| Credit loss provision to net charge-offs | 151.5152% | 1,891 |
| Earnings coverage of net charge-offs (x) | 4.4242% | 2,482 |
| Efficiency ratio | 56.2000% | 6,484 |
| Assets per employee ($millions) | 5.6044% | 1,487 |
| Cash dividends to net income (ytd only)* | 45.7726% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 2,856 |
| Loan loss allowance to noncurrent loans | 393.8462% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 6,450 |
| Noncurrent loans to loans | 0.4696% | 6,077 |
| Net loans and leases to total assets | 57.0412% | 4,792 |
| Net loans and leases to deposits | 68.6256% | 4,589 |
| Net loans and leases to core deposits | 71.3858% | 4,872 |
| Total domestic deposits to total assets | 83.1194% | 4,882 |
| Equity capital to assets | 10.1590% | 3,582 |
| Core capital (leverage) ratio | 10.6248% | 2,486 |
| Tier 1 risk-based capital ratio | 15.6058% | 3,102 |
| Total risk-based capital ratio | 16.8609% | 3,061 |
| Memoranda: | ||
| Average total assets | $93,347,500 | 5,193 |
| Average earning assets | $86,019,000 | 5,161 |
| Average equity | $9,552,500 | 5,155 |
| Average total loans | $55,447,000 | 5,201 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0825% | 720 |
| Cost of funding earning assets | 1.4882% | 2,715 |
| Net interest margin | 4.5943% | 1,024 |
| Noninterest income to average assets | 0.3786% | 5,073 |
| Noninterest expense to average assets | 2.6869% | 5,046 |
| Loan and lease loss provision to assets | 0.4289% | 3,545 |
| Net operating income to assets | 1.4721% | 815 |
| Return on assets (ROA) | 1.7295% | 532 |
| Pretax return on assets | 1.7295% | 892 |
| Return on Equity (ROE) | 15.9790% | 590 |
| Retained earnings to average equity (ytd only) | 8.1163% | 950 |
| Net charge-offs to loans | 0.4991% | 3,623 |
| Credit loss provision to net charge-offs | 137.3626% | 2,775 |
| Earnings coverage of net charge-offs (x) | 6.0879% | 2,444 |
| Efficiency ratio | 58.5639% | 6,272 |
| Assets per employee ($millions) | 5.0789% | 2,044 |
| Cash dividends to net income (ytd only)* | 49.2063% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 3,018 |
| Loan loss allowance to noncurrent loans | 278.7966% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 6,245 |
| Noncurrent loans to loans | 0.6286% | 5,792 |
| Net loans and leases to total assets | 59.6708% | 4,730 |
| Net loans and leases to deposits | 72.1765% | 4,490 |
| Net loans and leases to core deposits | 75.0822% | 4,843 |
| Total domestic deposits to total assets | 82.6734% | 4,936 |
| Equity capital to assets | 10.3107% | 3,379 |
| Core capital (leverage) ratio | 10.6559% | 2,408 |
| Tier 1 risk-based capital ratio | 15.0330% | 3,232 |
| Total risk-based capital ratio | 16.2868% | 3,182 |
| Memoranda: | ||
| Average total assets | $87,423,800 | 5,362 |
| Average earning assets | $80,098,400 | 5,346 |
| Average equity | $9,462,400 | 5,276 |
| Average total loans | $54,696,600 | 5,288 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1618% | 667 |
| Cost of funding earning assets | 1.5358% | 2,746 |
| Net interest margin | 4.6260% | 991 |
| Noninterest income to average assets | 0.4181% | 4,813 |
| Noninterest expense to average assets | 2.3866% | 6,073 |
| Loan and lease loss provision to assets | 0.5014% | 2,952 |
| Net operating income to assets | 1.7541% | 562 |
| Return on assets (ROA) | 2.0611% | 325 |
| Pretax return on assets | 2.0611% | 546 |
| Return on Equity (ROE) | 18.8068% | 404 |
| Retained earnings to average equity (ytd only) | 11.4587% | 531 |
| Net charge-offs to loans | 0.4649% | 3,428 |
| Credit loss provision to net charge-offs | 171.0526% | 2,166 |
| Earnings coverage of net charge-offs (x) | 7.6946% | 2,281 |
| Efficiency ratio | 51.4124% | 7,037 |
| Assets per employee ($millions) | 4.9952% | 2,187 |
| Cash dividends to net income (ytd only)* | 39.0717% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 2,700 |
| Loan loss allowance to noncurrent loans | 284.4633% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 6,320 |
| Noncurrent loans to loans | 0.6419% | 5,923 |
| Net loans and leases to total assets | 60.2193% | 4,866 |
| Net loans and leases to deposits | 73.1156% | 4,669 |
| Net loans and leases to core deposits | 76.1180% | 5,041 |
| Total domestic deposits to total assets | 82.3618% | 4,851 |
| Equity capital to assets | 11.6201% | 2,439 |
| Core capital (leverage) ratio | 10.9203% | 2,318 |
| Tier 1 risk-based capital ratio | 15.6413% | 2,935 |
| Total risk-based capital ratio | 16.8951% | 2,888 |
| Memoranda: | ||
| Average total assets | $86,424,750 | 5,460 |
| Average earning assets | $78,914,750 | 5,442 |
| Average equity | $9,471,500 | 5,352 |
| Average total loans | $54,489,750 | 5,368 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2195% | 598 |
| Cost of funding earning assets | 1.5575% | 2,918 |
| Net interest margin | 4.6621% | 877 |
| Noninterest income to average assets | 0.2838% | 5,870 |
| Noninterest expense to average assets | 2.4278% | 5,986 |
| Loan and lease loss provision to assets | 0.4691% | 2,971 |
| Net operating income to assets | 1.6420% | 663 |
| Return on assets (ROA) | 1.8813% | 460 |
| Pretax return on assets | 1.8813% | 765 |
| Return on Equity (ROE) | 17.5377% | 513 |
| Retained earnings to average equity (ytd only) | 10.9337% | 671 |
| Net charge-offs to loans | 0.1880% | 4,487 |
| Credit loss provision to net charge-offs | 392.1569% | 921 |
| Earnings coverage of net charge-offs (x) | 17.6471% | 1,330 |
| Efficiency ratio | 53.4884% | 6,934 |
| Assets per employee ($millions) | 4.8809% | 2,324 |
| Cash dividends to net income (ytd only)* | 37.6559% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8589% | 2,540 |
| Loan loss allowance to noncurrent loans | 200.9843% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 5,916 |
| Noncurrent loans to loans | 0.9249% | 5,435 |
| Net loans and leases to total assets | 61.3538% | 4,807 |
| Net loans and leases to deposits | 75.0696% | 4,505 |
| Net loans and leases to core deposits | 78.2473% | 4,903 |
| Total domestic deposits to total assets | 81.7292% | 5,098 |
| Equity capital to assets | 10.9679% | 2,893 |
| Core capital (leverage) ratio | 10.8695% | 2,348 |
| Tier 1 risk-based capital ratio | 15.3529% | 2,977 |
| Total risk-based capital ratio | 16.6078% | 2,941 |
| Memoranda: | ||
| Average total assets | $85,262,000 | 5,524 |
| Average earning assets | $77,819,330 | 5,515 |
| Average equity | $9,146,000 | 5,459 |
| Average total loans | $54,269,000 | 5,409 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2927% | 535 |
| Cost of funding earning assets | 1.5954% | 2,996 |
| Net interest margin | 4.6973% | 782 |
| Noninterest income to average assets | 0.2954% | 5,783 |
| Noninterest expense to average assets | 2.7011% | 4,905 |
| Loan and lease loss provision to assets | 0.2382% | 4,138 |
| Net operating income to assets | 1.6340% | 704 |
| Return on assets (ROA) | 1.9484% | 414 |
| Pretax return on assets | 1.9484% | 669 |
| Return on Equity (ROE) | 18.3800% | 487 |
| Retained earnings to average equity (ytd only) | 18.3800% | 232 |
| Net charge-offs to loans | 0.2670% | 3,343 |
| Credit loss provision to net charge-offs | 138.8889% | 2,544 |
| Earnings coverage of net charge-offs (x) | 10.9167% | 1,694 |
| Efficiency ratio | 59.0625% | 6,330 |
| Assets per employee ($millions) | 4.7897% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 3,182 |
| Loan loss allowance to noncurrent loans | 193.0283% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 6,052 |
| Noncurrent loans to loans | 0.8639% | 5,595 |
| Net loans and leases to total assets | 60.5992% | 5,021 |
| Net loans and leases to deposits | 73.8164% | 4,769 |
| Net loans and leases to core deposits | 76.0846% | 5,248 |
| Total domestic deposits to total assets | 82.0946% | 5,038 |
| Equity capital to assets | 10.4531% | 3,294 |
| Core capital (leverage) ratio | 12.2412% | 1,525 |
| Tier 1 risk-based capital ratio | 15.7982% | 2,728 |
| Total risk-based capital ratio | 17.0517% | 2,670 |
| Memoranda: | ||
| Average total assets | $83,965,000 | 5,635 |
| Average earning assets | $76,470,000 | 5,622 |
| Average equity | $8,901,000 | 5,570 |
| Average total loans | $53,941,500 | 5,495 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5354% | 618 |
| Cost of funding earning assets | 2.2032% | 2,018 |
| Net interest margin | 4.3322% | 1,627 |
| Noninterest income to average assets | 0.3354% | 5,694 |
| Noninterest expense to average assets | 2.7192% | 5,298 |
| Loan and lease loss provision to assets | 0.5549% | 3,596 |
| Net operating income to assets | 1.0186% | 1,778 |
| Return on assets (ROA) | 1.3097% | 1,058 |
| Pretax return on assets | 1.3097% | 1,670 |
| Return on Equity (ROE) | 12.1971% | 1,109 |
| Retained earnings to average equity (ytd only) | 6.5350% | 1,139 |
| Net charge-offs to loans | 0.4817% | 3,846 |
| Credit loss provision to net charge-offs | 169.8113% | 2,513 |
| Earnings coverage of net charge-offs (x) | 4.8151% | 2,809 |
| Efficiency ratio | 63.3439% | 5,903 |
| Assets per employee ($millions) | 4.5398% | 2,861 |
| Cash dividends to net income (ytd only)* | 46.4218% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 3,312 |
| Loan loss allowance to noncurrent loans | 108.7282% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.9814% | 5,152 |
| Noncurrent loans to loans | 1.4648% | 4,470 |
| Net loans and leases to total assets | 65.9357% | 4,164 |
| Net loans and leases to deposits | 79.8246% | 4,029 |
| Net loans and leases to core deposits | 95.9897% | 4,469 |
| Total domestic deposits to total assets | 82.6007% | 4,706 |
| Equity capital to assets | 10.7568% | 2,911 |
| Core capital (leverage) ratio | 10.9048% | 2,280 |
| Tier 1 risk-based capital ratio | 15.2296% | 2,834 |
| Total risk-based capital ratio | 16.4829% | 2,793 |
| Memoranda: | ||
| Average total assets | $81,088,800 | 5,698 |
| Average earning assets | $74,073,600 | 5,678 |
| Average equity | $8,707,000 | 5,698 |
| Average total loans | $55,017,800 | 5,459 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5407% | 690 |
| Cost of funding earning assets | 2.3159% | 1,924 |
| Net interest margin | 4.2248% | 1,958 |
| Noninterest income to average assets | 0.3493% | 5,704 |
| Noninterest expense to average assets | 2.4497% | 6,251 |
| Loan and lease loss provision to assets | 0.6178% | 2,920 |
| Net operating income to assets | 1.1466% | 1,594 |
| Return on assets (ROA) | 1.3295% | 1,223 |
| Pretax return on assets | 1.3295% | 1,878 |
| Return on Equity (ROE) | 12.3870% | 1,267 |
| Retained earnings to average equity (ytd only) | 6.7077% | 1,629 |
| Net charge-offs to loans | 0.5543% | 3,020 |
| Credit loss provision to net charge-offs | 163.7555% | 2,871 |
| Earnings coverage of net charge-offs (x) | 4.6768% | 3,043 |
| Efficiency ratio | 58.1314% | 6,703 |
| Assets per employee ($millions) | 4.5799% | 2,728 |
| Cash dividends to net income (ytd only)* | 45.8489% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 3,242 |
| Loan loss allowance to noncurrent loans | 90.3471% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 1.1184% | 4,843 |
| Noncurrent loans to loans | 1.7024% | 4,086 |
| Net loans and leases to total assets | 64.6842% | 4,716 |
| Net loans and leases to deposits | 79.3267% | 4,504 |
| Net loans and leases to core deposits | 93.7138% | 5,044 |
| Total domestic deposits to total assets | 81.5415% | 4,860 |
| Equity capital to assets | 10.9220% | 3,090 |
| Core capital (leverage) ratio | 10.9030% | 2,475 |
| Tier 1 risk-based capital ratio | 15.2996% | 2,915 |
| Total risk-based capital ratio | 16.5514% | 2,855 |
| Memoranda: | ||
| Average total assets | $80,932,000 | 5,731 |
| Average earning assets | $74,037,000 | 5,717 |
| Average equity | $8,686,250 | 5,755 |
| Average total loans | $55,084,250 | 5,509 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6571% | 591 |
| Cost of funding earning assets | 2.3913% | 1,999 |
| Net interest margin | 4.2658% | 1,761 |
| Noninterest income to average assets | 0.3680% | 5,566 |
| Noninterest expense to average assets | 2.5314% | 6,013 |
| Loan and lease loss provision to assets | 0.7460% | 2,200 |
| Net operating income to assets | 0.9897% | 2,144 |
| Return on assets (ROA) | 1.1165% | 1,796 |
| Pretax return on assets | 1.1165% | 2,578 |
| Return on Equity (ROE) | 10.4658% | 1,860 |
| Retained earnings to average equity (ytd only) | 4.7318% | 2,670 |
| Net charge-offs to loans | 0.7618% | 2,153 |
| Credit loss provision to net charge-offs | 142.1801% | 3,270 |
| Earnings coverage of net charge-offs (x) | 3.3081% | 3,490 |
| Efficiency ratio | 59.3240% | 6,646 |
| Assets per employee ($millions) | 4.5220% | 2,735 |
| Cash dividends to net income (ytd only)* | 54.7884% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 3,719 |
| Loan loss allowance to noncurrent loans | 87.6836% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.1426% | 4,664 |
| Noncurrent loans to loans | 1.5979% | 4,099 |
| Net loans and leases to total assets | 67.0893% | 4,339 |
| Net loans and leases to deposits | 84.2222% | 3,838 |
| Net loans and leases to core deposits | 99.2349% | 4,580 |
| Total domestic deposits to total assets | 79.6575% | 5,569 |
| Equity capital to assets | 10.4772% | 3,429 |
| Core capital (leverage) ratio | 10.7226% | 2,637 |
| Tier 1 risk-based capital ratio | 14.9863% | 3,024 |
| Total risk-based capital ratio | 16.2372% | 2,966 |
| Memoranda: | ||
| Average total assets | $80,429,670 | 5,782 |
| Average earning assets | $73,515,670 | 5,770 |
| Average equity | $8,580,330 | 5,823 |
| Average total loans | $55,393,000 | 5,537 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6904% | 590 |
| Cost of funding earning assets | 2.4747% | 2,006 |
| Net interest margin | 4.2157% | 1,842 |
| Noninterest income to average assets | 0.3302% | 5,806 |
| Noninterest expense to average assets | 2.5517% | 5,643 |
| Loan and lease loss provision to assets | 0.7505% | 1,718 |
| Net operating income to assets | 0.8806% | 2,788 |
| Return on assets (ROA) | 0.9757% | 2,539 |
| Pretax return on assets | 0.9757% | 3,441 |
| Return on Equity (ROE) | 9.0629% | 2,687 |
| Retained earnings to average equity (ytd only) | 2.7421% | 4,358 |
| Net charge-offs to loans | 0.7221% | 1,745 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 3.2600% | 3,227 |
| Efficiency ratio | 61.0048% | 6,252 |
| Assets per employee ($millions) | 4.4873% | 2,737 |
| Cash dividends to net income (ytd only)* | 69.7436% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 3,845 |
| Loan loss allowance to noncurrent loans | 62.0893% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.4696% | 3,733 |
| Noncurrent loans to loans | 2.1610% | 3,034 |
| Net loans and leases to total assets | 67.0913% | 4,321 |
| Net loans and leases to deposits | 83.5494% | 4,051 |
| Net loans and leases to core deposits | 98.4611% | 4,700 |
| Total domestic deposits to total assets | 80.3013% | 5,242 |
| Equity capital to assets | 10.7253% | 3,267 |
| Core capital (leverage) ratio | 10.7225% | 2,720 |
| Tier 1 risk-based capital ratio | 15.3598% | 2,911 |
| Total risk-based capital ratio | 16.6111% | 2,848 |
| Memoranda: | ||
| Average total assets | $79,946,500 | 5,825 |
| Average earning assets | $73,060,000 | 5,813 |
| Average equity | $8,606,500 | 5,843 |
| Average total loans | $55,397,500 | 5,568 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2965% | 601 |
| Cost of funding earning assets | 2.8208% | 2,623 |
| Net interest margin | 4.4757% | 1,482 |
| Noninterest income to average assets | 0.3719% | 5,725 |
| Noninterest expense to average assets | 2.6115% | 5,606 |
| Loan and lease loss provision to assets | 0.5956% | 2,442 |
| Net operating income to assets | 1.2601% | 1,605 |
| Return on assets (ROA) | 1.3765% | 1,238 |
| Pretax return on assets | 1.3765% | 2,041 |
| Return on Equity (ROE) | 12.4844% | 1,449 |
| Retained earnings to average equity (ytd only) | 5.9181% | 1,568 |
| Net charge-offs to loans | 0.8022% | 1,553 |
| Credit loss provision to net charge-offs | 104.8951% | 5,099 |
| Earnings coverage of net charge-offs (x) | 3.2681% | 4,455 |
| Efficiency ratio | 58.4593% | 6,610 |
| Assets per employee ($millions) | 4.1643% | 3,180 |
| Cash dividends to net income (ytd only)* | 52.5962% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 4,315 |
| Loan loss allowance to noncurrent loans | 48.5169% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 1.7897% | 2,744 |
| Noncurrent loans to loans | 2.5346% | 2,145 |
| Net loans and leases to total assets | 69.7413% | 4,078 |
| Net loans and leases to deposits | 88.1596% | 3,778 |
| Net loans and leases to core deposits | 102.4889% | 4,552 |
| Total domestic deposits to total assets | 79.1079% | 5,335 |
| Equity capital to assets | 10.8062% | 3,199 |
| Core capital (leverage) ratio | 10.8374% | 2,718 |
| Tier 1 risk-based capital ratio | 15.3497% | 2,900 |
| Total risk-based capital ratio | 16.5998% | 2,834 |
| Memoranda: | ||
| Average total assets | $75,551,600 | 5,856 |
| Average earning assets | $69,129,400 | 5,852 |
| Average equity | $8,330,400 | 5,968 |
| Average total loans | $53,477,400 | 5,549 |