Home > Triad Bank > Performance and Condition Ratios
Triad 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 | 6.2308% | 474 |
| Cost of funding earning assets | 1.0149% | 3,261 |
| Net interest margin | 5.2159% | 260 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.5592% | 2,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.3981% | 267 |
| Return on assets (ROA) | 2.3981% | 262 |
| Pretax return on assets | 2.3981% | 379 |
| Return on Equity (ROE) | 22.2700% | 444 |
| Retained earnings to average equity (ytd only) | 7.5804% | 1,674 |
| Net charge-offs to loans | 0.0028% | 2,687 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,291.2500% | 123 |
| Efficiency ratio | 51.6250% | 3,866 |
| Assets per employee ($millions) | 6.5337% | 2,398 |
| Cash dividends to net income (ytd only)* | 65.9632% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8286% | 516 |
| Loan loss allowance to noncurrent loans | 24.4984% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 5.2660% | 20 |
| Noncurrent loans to loans | 7.4641% | 23 |
| Net loans and leases to total assets | 69.2600% | 1,893 |
| Net loans and leases to deposits | 79.3916% | 2,157 |
| Net loans and leases to core deposits | 84.2522% | 2,438 |
| Total domestic deposits to total assets | 87.2400% | 1,605 |
| Equity capital to assets | 11.9880% | 1,122 |
| Core capital (leverage) ratio | 10.4904% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $215,376,400 | 2,872 |
| Average earning assets | $201,998,000 | 2,844 |
| Average equity | $23,191,400 | 2,614 |
| Average total loans | $141,575,400 | 2,750 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9517% | 567 |
| Cost of funding earning assets | 0.9398% | 3,176 |
| Net interest margin | 5.0119% | 302 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 2.5411% | 2,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.2246% | 364 |
| Return on assets (ROA) | 2.2246% | 358 |
| Pretax return on assets | 2.2246% | 543 |
| Return on Equity (ROE) | 21.2200% | 619 |
| Retained earnings to average equity (ytd only) | 4.6889% | 3,045 |
| Net charge-offs to loans | 0.0038% | 2,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 911.7500% | 176 |
| Efficiency ratio | 53.3214% | 3,648 |
| Assets per employee ($millions) | 7.3611% | 1,717 |
| Cash dividends to net income (ytd only)* | 77.8996% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 476 |
| Loan loss allowance to noncurrent loans | 22.8769% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 4.8490% | 28 |
| Noncurrent loans to loans | 8.3083% | 17 |
| Net loans and leases to total assets | 57.2500% | 3,097 |
| Net loans and leases to deposits | 64.0715% | 3,262 |
| Net loans and leases to core deposits | 68.6827% | 3,289 |
| Total domestic deposits to total assets | 89.3600% | 1,137 |
| Equity capital to assets | 9.9042% | 1,880 |
| Core capital (leverage) ratio | 10.1048% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $218,584,250 | 2,870 |
| Average earning assets | $205,001,000 | 2,841 |
| Average equity | $22,919,000 | 2,627 |
| Average total loans | $141,244,750 | 2,763 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7834% | 567 |
| Cost of funding earning assets | 0.8771% | 3,003 |
| Net interest margin | 4.9063% | 347 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 2.6187% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0383% | 440 |
| Return on assets (ROA) | 2.0383% | 435 |
| Pretax return on assets | 2.0383% | 704 |
| Return on Equity (ROE) | 19.0500% | 827 |
| Retained earnings to average equity (ytd only) | 6.1540% | 2,568 |
| Net charge-offs to loans | 0.0014% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2,170.0000% | 61 |
| Efficiency ratio | 56.2324% | 3,395 |
| Assets per employee ($millions) | 6.8925% | 2,009 |
| Cash dividends to net income (ytd only)* | 67.6959% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 606 |
| Loan loss allowance to noncurrent loans | 20.8946% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 5.5045% | 26 |
| Noncurrent loans to loans | 8.6375% | 18 |
| Net loans and leases to total assets | 62.5800% | 2,520 |
| Net loans and leases to deposits | 70.2516% | 2,762 |
| Net loans and leases to core deposits | 76.1283% | 2,753 |
| Total domestic deposits to total assets | 89.0800% | 1,230 |
| Equity capital to assets | 10.2110% | 1,739 |
| Core capital (leverage) ratio | 10.8199% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $212,927,000 | 2,912 |
| Average earning assets | $199,293,333 | 2,892 |
| Average equity | $22,782,000 | 2,638 |
| Average total loans | $142,500,667 | 2,746 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5750% | 555 |
| Cost of funding earning assets | 0.8098% | 2,696 |
| Net interest margin | 4.7652% | 396 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.7443% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7621% | 727 |
| Return on assets (ROA) | 1.7621% | 721 |
| Pretax return on assets | 1.7621% | 1,144 |
| Return on Equity (ROE) | 16.0600% | 1,345 |
| Retained earnings to average equity (ytd only) | 0.9574% | 3,873 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.8977% | 2,837 |
| Assets per employee ($millions) | 5.8796% | 2,869 |
| Cash dividends to net income (ytd only)* | 94.0397% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8419% | 612 |
| Loan loss allowance to noncurrent loans | 18.7666% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 6.5883% | 11 |
| Noncurrent loans to loans | 9.8150% | 13 |
| Net loans and leases to total assets | 65.8900% | 2,069 |
| Net loans and leases to deposits | 74.4528% | 2,260 |
| Net loans and leases to core deposits | 81.1921% | 2,168 |
| Total domestic deposits to total assets | 88.5000% | 1,739 |
| Equity capital to assets | 10.6669% | 1,475 |
| Core capital (leverage) ratio | 11.0921% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $205,665,000 | 2,996 |
| Average earning assets | $191,640,500 | 2,991 |
| Average equity | $22,560,500 | 2,678 |
| Average total loans | $141,276,000 | 2,785 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 495 |
| Cost of funding earning assets | 0.3239% | 2,691 |
| Net interest margin | 4.4020% | 351 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.5965% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6538% | 601 |
| Return on assets (ROA) | 1.6538% | 571 |
| Pretax return on assets | 1.6538% | 1,029 |
| Return on Equity (ROE) | 16.1500% | 1,030 |
| Retained earnings to average equity (ytd only) | 3.6356% | 3,528 |
| Net charge-offs to loans | 0.0438% | 1,247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 55.5556% | 1,304 |
| Efficiency ratio | 61.0895% | 2,896 |
| Assets per employee ($millions) | 5.3964% | 3,321 |
| Cash dividends to net income (ytd only)* | 77.4857% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 580 |
| Loan loss allowance to noncurrent loans | 17.4107% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 7.5281% | 6 |
| Noncurrent loans to loans | 10.7003% | 12 |
| Net loans and leases to total assets | 69.0400% | 1,724 |
| Net loans and leases to deposits | 78.5294% | 1,890 |
| Net loans and leases to core deposits | 86.3630% | 1,724 |
| Total domestic deposits to total assets | 87.9200% | 2,094 |
| Equity capital to assets | 11.2904% | 1,148 |
| Core capital (leverage) ratio | 9.7141% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $211,628,200 | 2,966 |
| Average earning assets | $196,662,400 | 2,961 |
| Average equity | $21,674,600 | 2,794 |
| Average total loans | $143,962,600 | 2,691 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 698 |
| Cost of funding earning assets | 0.2179% | 3,064 |
| Net interest margin | 4.1037% | 515 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.5881% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4115% | 1,056 |
| Return on assets (ROA) | 1.4115% | 1,029 |
| Pretax return on assets | 1.4115% | 1,681 |
| Return on Equity (ROE) | 14.1200% | 1,399 |
| Retained earnings to average equity (ytd only) | -0.5344% | 4,389 |
| Net charge-offs to loans | 0.0580% | 898 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 36.0635% | 1,430 |
| Efficiency ratio | 64.7095% | 2,451 |
| Assets per employee ($millions) | 6.4551% | 2,359 |
| Cash dividends to net income (ytd only)* | 103.7852% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8542% | 660 |
| Loan loss allowance to noncurrent loans | 16.2860% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 6.7280% | 8 |
| Noncurrent loans to loans | 11.3852% | 9 |
| Net loans and leases to total assets | 58.0000% | 2,698 |
| Net loans and leases to deposits | 64.3056% | 2,845 |
| Net loans and leases to core deposits | 69.4523% | 2,683 |
| Total domestic deposits to total assets | 90.1900% | 1,574 |
| Equity capital to assets | 9.0726% | 2,161 |
| Core capital (leverage) ratio | 9.7535% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $214,618,750 | 2,969 |
| Average earning assets | $199,489,250 | 2,957 |
| Average equity | $21,457,500 | 2,859 |
| Average total loans | $144,835,000 | 2,685 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 638 |
| Cost of funding earning assets | 0.1612% | 3,430 |
| Net interest margin | 4.0349% | 460 |
| Noninterest income to average assets | 0.2547% | 3,645 |
| Noninterest expense to average assets | 2.6774% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3101% | 1,110 |
| Return on assets (ROA) | 1.3101% | 1,092 |
| Pretax return on assets | 1.3101% | 1,716 |
| Return on Equity (ROE) | 12.6525% | 1,475 |
| Retained earnings to average equity (ytd only) | -4.3858% | 4,514 |
| Net charge-offs to loans | 0.0863% | 638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 21.4762% | 1,522 |
| Efficiency ratio | 67.1442% | 2,367 |
| Assets per employee ($millions) | 5.7771% | 2,950 |
| Cash dividends to net income (ytd only)* | 134.6637% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8623% | 723 |
| Loan loss allowance to noncurrent loans | 12.5817% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 9.4748% | 4 |
| Noncurrent loans to loans | 14.8018% | 3 |
| Net loans and leases to total assets | 62.8187% | 2,033 |
| Net loans and leases to deposits | 69.8421% | 2,222 |
| Net loans and leases to core deposits | 74.0793% | 2,165 |
| Total domestic deposits to total assets | 89.9440% | 1,730 |
| Equity capital to assets | 9.6962% | 1,884 |
| Core capital (leverage) ratio | 10.0572% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,545,333 | 3,052 |
| Average earning assets | $191,084,667 | 3,055 |
| Average equity | $21,387,000 | 2,949 |
| Average total loans | $146,067,000 | 2,684 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1433% | 585 |
| Cost of funding earning assets | 0.1432% | 3,587 |
| Net interest margin | 4.0001% | 419 |
| Noninterest income to average assets | 0.0720% | 4,602 |
| Noninterest expense to average assets | 2.7293% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0297% | 1,764 |
| Return on assets (ROA) | 1.0297% | 1,753 |
| Pretax return on assets | 1.0297% | 2,352 |
| Return on Equity (ROE) | 9.6093% | 2,118 |
| Retained earnings to average equity (ytd only) | -11.8484% | 4,595 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6064% | 1,898 |
| Assets per employee ($millions) | 5.9914% | 2,823 |
| Cash dividends to net income (ytd only)* | 223.3010% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8116% | 863 |
| Loan loss allowance to noncurrent loans | 10.9602% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 12.0777% | 3 |
| Noncurrent loans to loans | 16.5288% | 5 |
| Net loans and leases to total assets | 71.3067% | 898 |
| Net loans and leases to deposits | 79.9714% | 1,148 |
| Net loans and leases to core deposits | 85.2727% | 1,169 |
| Total domestic deposits to total assets | 89.1653% | 1,997 |
| Equity capital to assets | 10.3679% | 1,646 |
| Core capital (leverage) ratio | 10.5832% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,053,000 | 3,106 |
| Average earning assets | $184,395,500 | 3,116 |
| Average equity | $21,437,500 | 3,023 |
| Average total loans | $148,839,000 | 2,643 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 903 |
| Cost of funding earning assets | 0.1310% | 4,146 |
| Net interest margin | 4.1322% | 558 |
| Noninterest income to average assets | 0.1529% | 4,385 |
| Noninterest expense to average assets | 2.5502% | 2,024 |
| Loan and lease loss provision to assets | 0.1055% | 1,195 |
| Net operating income to assets | 1.2990% | 1,603 |
| Return on assets (ROA) | 1.2990% | 1,648 |
| Pretax return on assets | 1.2990% | 2,365 |
| Return on Equity (ROE) | 13.2878% | 1,375 |
| Retained earnings to average equity (ytd only) | 6.3513% | 2,200 |
| Net charge-offs to loans | -0.0707% | 4,464 |
| Credit loss provision to net charge-offs | -208.3333% | 3,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4848% | 2,483 |
| Assets per employee ($millions) | 5.3081% | 3,465 |
| Cash dividends to net income (ytd only)* | 52.2022% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 885 |
| Loan loss allowance to noncurrent loans | 9.7925% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 14.0117% | 3 |
| Noncurrent loans to loans | 18.2768% | 3 |
| Net loans and leases to total assets | 74.8788% | 597 |
| Net loans and leases to deposits | 84.7068% | 867 |
| Net loans and leases to core deposits | 90.6268% | 946 |
| Total domestic deposits to total assets | 88.3977% | 1,839 |
| Equity capital to assets | 11.0769% | 1,749 |
| Core capital (leverage) ratio | 9.3540% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,237,800 | 2,957 |
| Average earning assets | $196,193,000 | 2,989 |
| Average equity | $20,846,200 | 3,146 |
| Average total loans | $152,710,200 | 2,609 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 1,110 |
| Cost of funding earning assets | 0.1292% | 4,270 |
| Net interest margin | 4.0698% | 689 |
| Noninterest income to average assets | 0.1748% | 4,333 |
| Noninterest expense to average assets | 2.5250% | 2,054 |
| Loan and lease loss provision to assets | 0.1380% | 828 |
| Net operating income to assets | 1.2576% | 1,961 |
| Return on assets (ROA) | 1.2576% | 2,024 |
| Pretax return on assets | 1.2576% | 2,742 |
| Return on Equity (ROE) | 13.2625% | 1,628 |
| Retained earnings to average equity (ytd only) | 3.9122% | 3,605 |
| Net charge-offs to loans | -0.0382% | 4,238 |
| Credit loss provision to net charge-offs | -511.3636% | 3,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4041% | 2,335 |
| Assets per employee ($millions) | 7.2096% | 1,731 |
| Cash dividends to net income (ytd only)* | 70.5022% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 1,031 |
| Loan loss allowance to noncurrent loans | 8.7859% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 12.5783% | 4 |
| Noncurrent loans to loans | 19.8068% | 3 |
| Net loans and leases to total assets | 62.0848% | 1,993 |
| Net loans and leases to deposits | 68.5307% | 2,387 |
| Net loans and leases to core deposits | 72.3361% | 2,401 |
| Total domestic deposits to total assets | 90.5942% | 509 |
| Equity capital to assets | 8.8417% | 3,967 |
| Core capital (leverage) ratio | 9.2512% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,447,250 | 2,953 |
| Average earning assets | $200,136,500 | 2,988 |
| Average equity | $20,619,000 | 3,199 |
| Average total loans | $153,452,250 | 2,640 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3528% | 918 |
| Cost of funding earning assets | 0.1324% | 4,333 |
| Net interest margin | 4.2204% | 563 |
| Noninterest income to average assets | 0.1187% | 4,607 |
| Noninterest expense to average assets | 2.6227% | 1,803 |
| Loan and lease loss provision to assets | 0.1424% | 850 |
| Net operating income to assets | 1.2268% | 2,091 |
| Return on assets (ROA) | 1.2268% | 2,158 |
| Pretax return on assets | 1.2268% | 2,839 |
| Return on Equity (ROE) | 12.6172% | 1,845 |
| Retained earnings to average equity (ytd only) | 1.2988% | 4,278 |
| Net charge-offs to loans | -0.0440% | 4,309 |
| Credit loss provision to net charge-offs | -441.1765% | 3,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6993% | 2,198 |
| Assets per employee ($millions) | 6.7006% | 2,022 |
| Cash dividends to net income (ytd only)* | 89.7059% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 1,054 |
| Loan loss allowance to noncurrent loans | 9.6412% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 11.9908% | 6 |
| Noncurrent loans to loans | 17.6386% | 4 |
| Net loans and leases to total assets | 66.1644% | 1,683 |
| Net loans and leases to deposits | 73.4533% | 2,053 |
| Net loans and leases to core deposits | 77.8853% | 2,056 |
| Total domestic deposits to total assets | 90.0768% | 734 |
| Equity capital to assets | 9.3000% | 3,507 |
| Core capital (leverage) ratio | 9.6387% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,623,667 | 3,008 |
| Average earning assets | $193,299,000 | 3,039 |
| Average equity | $20,480,000 | 3,209 |
| Average total loans | $154,494,000 | 2,644 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 961 |
| Cost of funding earning assets | 0.1340% | 4,425 |
| Net interest margin | 4.2195% | 580 |
| Noninterest income to average assets | 0.0682% | 4,800 |
| Noninterest expense to average assets | 2.6332% | 1,786 |
| Loan and lease loss provision to assets | 0.1461% | 902 |
| Net operating income to assets | 1.1530% | 2,326 |
| Return on assets (ROA) | 1.1530% | 2,393 |
| Pretax return on assets | 1.1530% | 2,977 |
| Return on Equity (ROE) | 11.5863% | 2,164 |
| Retained earnings to average equity (ytd only) | 0.2544% | 4,338 |
| Net charge-offs to loans | 0.0178% | 1,391 |
| Credit loss provision to net charge-offs | 1,071.4286% | 397 |
| Earnings coverage of net charge-offs (x) | 95.2857% | 635 |
| Efficiency ratio | 66.9638% | 2,089 |
| Assets per employee ($millions) | 6.2725% | 2,349 |
| Cash dividends to net income (ytd only)* | 97.8041% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 1,540 |
| Loan loss allowance to noncurrent loans | 8.1900% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 14.4571% | 4 |
| Noncurrent loans to loans | 18.5509% | 5 |
| Net loans and leases to total assets | 75.6247% | 667 |
| Net loans and leases to deposits | 84.5607% | 1,088 |
| Net loans and leases to core deposits | 90.0735% | 1,226 |
| Total domestic deposits to total assets | 89.4324% | 1,106 |
| Equity capital to assets | 9.8772% | 2,823 |
| Core capital (leverage) ratio | 10.4674% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,376,000 | 3,040 |
| Average earning assets | $188,077,500 | 3,070 |
| Average equity | $20,438,000 | 3,208 |
| Average total loans | $157,324,500 | 2,622 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 571 |
| Cost of funding earning assets | 0.1902% | 4,612 |
| Net interest margin | 4.7377% | 196 |
| Noninterest income to average assets | 0.0774% | 4,804 |
| Noninterest expense to average assets | 2.8264% | 1,881 |
| Loan and lease loss provision to assets | 0.1724% | 2,234 |
| Net operating income to assets | 1.3991% | 1,022 |
| Return on assets (ROA) | 1.3991% | 1,112 |
| Pretax return on assets | 1.3991% | 1,657 |
| Return on Equity (ROE) | 13.1934% | 993 |
| Retained earnings to average equity (ytd only) | 3.7660% | 2,938 |
| Net charge-offs to loans | 0.0154% | 2,802 |
| Credit loss provision to net charge-offs | 1,413.0435% | 595 |
| Earnings coverage of net charge-offs (x) | 128.8261% | 657 |
| Efficiency ratio | 64.2668% | 2,778 |
| Assets per employee ($millions) | 6.1745% | 2,190 |
| Cash dividends to net income (ytd only)* | 71.4556% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 1,553 |
| Loan loss allowance to noncurrent loans | 7.7418% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 15.0932% | 2 |
| Noncurrent loans to loans | 19.4712% | 3 |
| Net loans and leases to total assets | 75.2601% | 872 |
| Net loans and leases to deposits | 84.2990% | 1,423 |
| Net loans and leases to core deposits | 88.0714% | 1,688 |
| Total domestic deposits to total assets | 89.2776% | 862 |
| Equity capital to assets | 10.0270% | 3,111 |
| Core capital (leverage) ratio | 9.2754% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,546,000 | 3,037 |
| Average earning assets | $171,940,000 | 3,053 |
| Average equity | $19,994,800 | 3,187 |
| Average total loans | $149,679,800 | 2,666 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0432% | 564 |
| Cost of funding earning assets | 0.2098% | 4,636 |
| Net interest margin | 4.8334% | 191 |
| Noninterest income to average assets | 0.0779% | 4,829 |
| Noninterest expense to average assets | 2.9236% | 1,639 |
| Loan and lease loss provision to assets | 0.1803% | 2,181 |
| Net operating income to assets | 1.3799% | 1,154 |
| Return on assets (ROA) | 1.3799% | 1,245 |
| Pretax return on assets | 1.3799% | 1,796 |
| Return on Equity (ROE) | 12.8196% | 1,165 |
| Retained earnings to average equity (ytd only) | 1.6427% | 4,042 |
| Net charge-offs to loans | 0.0234% | 2,378 |
| Credit loss provision to net charge-offs | 961.5385% | 852 |
| Earnings coverage of net charge-offs (x) | 83.1538% | 901 |
| Efficiency ratio | 65.2020% | 2,558 |
| Assets per employee ($millions) | 6.3803% | 1,927 |
| Cash dividends to net income (ytd only)* | 87.1862% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,601 |
| Loan loss allowance to noncurrent loans | 9.4220% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 11.4376% | 8 |
| Noncurrent loans to loans | 15.1845% | 17 |
| Net loans and leases to total assets | 74.2466% | 1,345 |
| Net loans and leases to deposits | 82.7578% | 2,038 |
| Net loans and leases to core deposits | 86.0789% | 2,293 |
| Total domestic deposits to total assets | 89.7156% | 521 |
| Equity capital to assets | 9.4623% | 3,710 |
| Core capital (leverage) ratio | 9.6410% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,742,500 | 3,054 |
| Average earning assets | $168,409,000 | 3,072 |
| Average equity | $19,885,750 | 3,192 |
| Average total loans | $148,175,500 | 2,682 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4522% | 363 |
| Cost of funding earning assets | 0.2510% | 4,619 |
| Net interest margin | 5.2012% | 140 |
| Noninterest income to average assets | 0.0829% | 4,830 |
| Noninterest expense to average assets | 2.9988% | 1,573 |
| Loan and lease loss provision to assets | 0.1987% | 2,058 |
| Net operating income to assets | 1.6146% | 742 |
| Return on assets (ROA) | 1.6146% | 811 |
| Pretax return on assets | 1.6146% | 1,195 |
| Return on Equity (ROE) | 14.3106% | 825 |
| Retained earnings to average equity (ytd only) | 5.0923% | 2,430 |
| Net charge-offs to loans | 0.0373% | 1,992 |
| Credit loss provision to net charge-offs | 648.1481% | 1,052 |
| Earnings coverage of net charge-offs (x) | 59.1481% | 973 |
| Efficiency ratio | 62.3171% | 3,073 |
| Assets per employee ($millions) | 6.3425% | 1,913 |
| Cash dividends to net income (ytd only)* | 64.4163% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 1,642 |
| Loan loss allowance to noncurrent loans | 10.3055% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 10.1671% | 11 |
| Noncurrent loans to loans | 13.4192% | 17 |
| Net loans and leases to total assets | 74.7175% | 1,316 |
| Net loans and leases to deposits | 83.4384% | 2,053 |
| Net loans and leases to core deposits | 86.9362% | 2,357 |
| Total domestic deposits to total assets | 89.5482% | 551 |
| Equity capital to assets | 9.6434% | 3,530 |
| Core capital (leverage) ratio | 10.9215% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,139,667 | 3,109 |
| Average earning assets | $160,154,667 | 3,130 |
| Average equity | $19,873,333 | 3,183 |
| Average total loans | $144,702,000 | 2,702 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2923% | 558 |
| Cost of funding earning assets | 0.3473% | 4,529 |
| Net interest margin | 4.9450% | 214 |
| Noninterest income to average assets | 0.1128% | 4,781 |
| Noninterest expense to average assets | 3.1111% | 1,612 |
| Loan and lease loss provision to assets | 0.2507% | 1,238 |
| Net operating income to assets | 1.2134% | 1,472 |
| Return on assets (ROA) | 1.2134% | 1,584 |
| Pretax return on assets | 1.2134% | 2,140 |
| Return on Equity (ROE) | 9.8184% | 1,800 |
| Retained earnings to average equity (ytd only) | 1.6229% | 3,569 |
| Net charge-offs to loans | 0.0813% | 1,217 |
| Credit loss provision to net charge-offs | 357.1429% | 1,070 |
| Earnings coverage of net charge-offs (x) | 20.8571% | 1,401 |
| Efficiency ratio | 68.0000% | 2,664 |
| Assets per employee ($millions) | 5.1815% | 2,450 |
| Cash dividends to net income (ytd only)* | 83.4711% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 1,296 |
| Loan loss allowance to noncurrent loans | 10.5101% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 12.1538% | 12 |
| Noncurrent loans to loans | 14.3985% | 15 |
| Net loans and leases to total assets | 83.1329% | 341 |
| Net loans and leases to deposits | 100.3823% | 537 |
| Net loans and leases to core deposits | 102.0417% | 1,317 |
| Total domestic deposits to total assets | 82.8163% | 3,166 |
| Equity capital to assets | 11.9162% | 2,131 |
| Core capital (leverage) ratio | 12.4585% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2738% | 948 |
| Memoranda: | ||
| Average total assets | $159,558,000 | 3,218 |
| Average earning assets | $143,983,000 | 3,253 |
| Average equity | $19,718,000 | 3,194 |
| Average total loans | $137,763,500 | 2,745 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5023% | 560 |
| Cost of funding earning assets | 0.3732% | 4,531 |
| Net interest margin | 5.1291% | 212 |
| Noninterest income to average assets | 0.1881% | 4,536 |
| Noninterest expense to average assets | 3.0706% | 1,828 |
| Loan and lease loss provision to assets | 0.1984% | 1,025 |
| Net operating income to assets | 1.5930% | 851 |
| Return on assets (ROA) | 1.5930% | 903 |
| Pretax return on assets | 1.5930% | 1,507 |
| Return on Equity (ROE) | 13.5434% | 994 |
| Retained earnings to average equity (ytd only) | 1.8740% | 4,057 |
| Net charge-offs to loans | 0.6783% | 250 |
| Credit loss provision to net charge-offs | 35.9911% | 3,234 |
| Earnings coverage of net charge-offs (x) | 3.2492% | 3,340 |
| Efficiency ratio | 63.1546% | 3,200 |
| Assets per employee ($millions) | 4.7912% | 2,849 |
| Cash dividends to net income (ytd only)* | 86.1633% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 1,201 |
| Loan loss allowance to noncurrent loans | 11.7118% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 11.3887% | 10 |
| Noncurrent loans to loans | 12.8799% | 11 |
| Net loans and leases to total assets | 87.0889% | 119 |
| Net loans and leases to deposits | 101.3142% | 513 |
| Net loans and leases to core deposits | 103.1042% | 1,303 |
| Total domestic deposits to total assets | 85.9592% | 2,081 |
| Equity capital to assets | 12.8413% | 1,616 |
| Core capital (leverage) ratio | 10.8835% | 2,608 |
| Tier 1 risk-based capital ratio | 18.5820% | 1,611 |
| Total risk-based capital ratio | 19.8401% | 1,581 |
| Memoranda: | ||
| Average total assets | $163,778,200 | 3,170 |
| Average earning assets | $149,246,200 | 3,183 |
| Average equity | $19,264,000 | 3,199 |
| Average total loans | $133,119,400 | 2,791 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3731% | 742 |
| Cost of funding earning assets | 0.3762% | 4,576 |
| Net interest margin | 4.9970% | 291 |
| Noninterest income to average assets | 0.2011% | 4,511 |
| Noninterest expense to average assets | 2.8334% | 2,461 |
| Loan and lease loss provision to assets | 0.2003% | 876 |
| Net operating income to assets | 1.7340% | 696 |
| Return on assets (ROA) | 1.7340% | 738 |
| Pretax return on assets | 1.7340% | 1,237 |
| Return on Equity (ROE) | 15.0603% | 765 |
| Retained earnings to average equity (ytd only) | 1.2457% | 4,504 |
| Net charge-offs to loans | 0.9106% | 162 |
| Credit loss provision to net charge-offs | 27.6243% | 2,927 |
| Earnings coverage of net charge-offs (x) | 2.6674% | 3,175 |
| Efficiency ratio | 59.4286% | 3,744 |
| Assets per employee ($millions) | 5.8589% | 1,708 |
| Cash dividends to net income (ytd only)* | 91.7283% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 1,289 |
| Loan loss allowance to noncurrent loans | 10.7394% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 10.0894% | 17 |
| Noncurrent loans to loans | 13.8089% | 12 |
| Net loans and leases to total assets | 71.9805% | 2,178 |
| Net loans and leases to deposits | 81.6039% | 2,736 |
| Net loans and leases to core deposits | 82.7831% | 3,194 |
| Total domestic deposits to total assets | 88.2071% | 947 |
| Equity capital to assets | 10.7396% | 3,344 |
| Core capital (leverage) ratio | 11.2855% | 2,394 |
| Tier 1 risk-based capital ratio | 18.3939% | 1,713 |
| Total risk-based capital ratio | 19.6509% | 1,677 |
| Memoranda: | ||
| Average total assets | $166,393,250 | 3,172 |
| Average earning assets | $152,061,750 | 3,193 |
| Average equity | $19,158,000 | 3,231 |
| Average total loans | $132,507,250 | 2,828 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4707% | 596 |
| Cost of funding earning assets | 0.3974% | 4,520 |
| Net interest margin | 5.0733% | 249 |
| Noninterest income to average assets | 0.2517% | 4,247 |
| Noninterest expense to average assets | 2.8510% | 2,413 |
| Loan and lease loss provision to assets | 0.2170% | 769 |
| Net operating income to assets | 1.8230% | 566 |
| Return on assets (ROA) | 1.8230% | 590 |
| Pretax return on assets | 1.8230% | 984 |
| Return on Equity (ROE) | 15.4707% | 674 |
| Retained earnings to average equity (ytd only) | -5.4200% | 5,075 |
| Net charge-offs to loans | 1.2383% | 103 |
| Credit loss provision to net charge-offs | 21.3415% | 2,644 |
| Earnings coverage of net charge-offs (x) | 2.0061% | 2,974 |
| Efficiency ratio | 58.2911% | 3,974 |
| Assets per employee ($millions) | 5.1670% | 2,287 |
| Cash dividends to net income (ytd only)* | 135.0340% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 1,339 |
| Loan loss allowance to noncurrent loans | 9.9242% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 12.0543% | 11 |
| Noncurrent loans to loans | 14.8868% | 8 |
| Net loans and leases to total assets | 79.7772% | 918 |
| Net loans and leases to deposits | 91.1318% | 1,608 |
| Net loans and leases to core deposits | 92.5877% | 2,358 |
| Total domestic deposits to total assets | 87.5404% | 1,320 |
| Equity capital to assets | 11.3080% | 2,777 |
| Core capital (leverage) ratio | 11.5695% | 2,111 |
| Tier 1 risk-based capital ratio | 18.2063% | 1,748 |
| Total risk-based capital ratio | 19.4644% | 1,708 |
| Memoranda: | ||
| Average total assets | $161,277,000 | 3,248 |
| Average earning assets | $147,476,670 | 3,248 |
| Average equity | $19,003,670 | 3,246 |
| Average total loans | $132,441,670 | 2,840 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3930% | 641 |
| Cost of funding earning assets | 0.4165% | 4,416 |
| Net interest margin | 4.9764% | 291 |
| Noninterest income to average assets | 0.3893% | 3,262 |
| Noninterest expense to average assets | 2.8384% | 2,449 |
| Loan and lease loss provision to assets | 0.2512% | 580 |
| Net operating income to assets | 1.8613% | 497 |
| Return on assets (ROA) | 1.8613% | 512 |
| Pretax return on assets | 1.8613% | 858 |
| Return on Equity (ROE) | 15.4722% | 668 |
| Retained earnings to average equity (ytd only) | -2.2968% | 4,767 |
| Net charge-offs to loans | 0.0547% | 1,504 |
| Credit loss provision to net charge-offs | 555.5556% | 575 |
| Earnings coverage of net charge-offs (x) | 46.7222% | 1,065 |
| Efficiency ratio | 57.3313% | 4,164 |
| Assets per employee ($millions) | 5.0205% | 2,492 |
| Cash dividends to net income (ytd only)* | 114.8448% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0272% | 473 |
| Loan loss allowance to noncurrent loans | 12.1393% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 13.8700% | 7 |
| Noncurrent loans to loans | 16.6996% | 6 |
| Net loans and leases to total assets | 81.3720% | 659 |
| Net loans and leases to deposits | 93.5777% | 1,221 |
| Net loans and leases to core deposits | 97.4448% | 1,823 |
| Total domestic deposits to total assets | 86.9566% | 1,836 |
| Equity capital to assets | 11.8900% | 2,093 |
| Core capital (leverage) ratio | 12.0468% | 1,742 |
| Tier 1 risk-based capital ratio | 18.7705% | 1,593 |
| Total risk-based capital ratio | 20.0371% | 1,554 |
| Memoranda: | ||
| Average total assets | $159,244,000 | 3,302 |
| Average earning assets | $145,968,000 | 3,304 |
| Average equity | $19,157,000 | 3,246 |
| Average total loans | $131,720,500 | 2,883 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 800 |
| Cost of funding earning assets | 0.3042% | 4,559 |
| Net interest margin | 4.8249% | 377 |
| Noninterest income to average assets | 0.0933% | 5,173 |
| Noninterest expense to average assets | 2.8225% | 2,612 |
| Loan and lease loss provision to assets | 0.2048% | 918 |
| Net operating income to assets | 1.5253% | 1,056 |
| Return on assets (ROA) | 1.5253% | 1,037 |
| Pretax return on assets | 1.5253% | 1,696 |
| Return on Equity (ROE) | 13.3154% | 1,229 |
| Retained earnings to average equity (ytd only) | 5.0291% | 2,751 |
| Net charge-offs to loans | 0.1586% | 1,213 |
| Credit loss provision to net charge-offs | 152.5822% | 1,800 |
| Earnings coverage of net charge-offs (x) | 12.8873% | 2,497 |
| Efficiency ratio | 61.9964% | 3,526 |
| Assets per employee ($millions) | 4.9323% | 2,581 |
| Cash dividends to net income (ytd only)* | 62.2314% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 455 |
| Loan loss allowance to noncurrent loans | 11.6900% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 14.2164% | 7 |
| Noncurrent loans to loans | 17.2591% | 4 |
| Net loans and leases to total assets | 80.7086% | 837 |
| Net loans and leases to deposits | 93.1585% | 1,381 |
| Net loans and leases to core deposits | 95.1408% | 2,121 |
| Total domestic deposits to total assets | 86.6358% | 1,950 |
| Equity capital to assets | 12.1724% | 1,777 |
| Core capital (leverage) ratio | 11.2091% | 2,343 |
| Tier 1 risk-based capital ratio | 20.0185% | 1,299 |
| Total risk-based capital ratio | 21.2866% | 1,272 |
| Memoranda: | ||
| Average total assets | $158,656,000 | 3,300 |
| Average earning assets | $146,633,800 | 3,290 |
| Average equity | $18,174,400 | 3,277 |
| Average total loans | $134,311,000 | 2,831 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 910 |
| Cost of funding earning assets | 0.2995% | 4,522 |
| Net interest margin | 4.7196% | 447 |
| Noninterest income to average assets | 0.0864% | 5,254 |
| Noninterest expense to average assets | 2.8317% | 2,524 |
| Loan and lease loss provision to assets | 0.2728% | 556 |
| Net operating income to assets | 1.3462% | 1,678 |
| Return on assets (ROA) | 1.3462% | 1,692 |
| Pretax return on assets | 1.3462% | 2,443 |
| Return on Equity (ROE) | 11.9375% | 1,808 |
| Retained earnings to average equity (ytd only) | 1.8160% | 4,634 |
| Net charge-offs to loans | 0.2147% | 793 |
| Credit loss provision to net charge-offs | 149.0826% | 1,719 |
| Earnings coverage of net charge-offs (x) | 8.8486% | 2,678 |
| Efficiency ratio | 63.6244% | 3,248 |
| Assets per employee ($millions) | 5.1924% | 2,226 |
| Cash dividends to net income (ytd only)* | 84.7883% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9753% | 509 |
| Loan loss allowance to noncurrent loans | 11.8178% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 13.3327% | 11 |
| Noncurrent loans to loans | 16.7148% | 8 |
| Net loans and leases to total assets | 78.1898% | 1,319 |
| Net loans and leases to deposits | 89.0001% | 2,022 |
| Net loans and leases to core deposits | 92.8350% | 2,402 |
| Total domestic deposits to total assets | 87.8536% | 1,307 |
| Equity capital to assets | 10.9385% | 2,716 |
| Core capital (leverage) ratio | 11.0779% | 2,505 |
| Tier 1 risk-based capital ratio | 19.8090% | 1,378 |
| Total risk-based capital ratio | 21.0788% | 1,336 |
| Memoranda: | ||
| Average total assets | $158,862,000 | 3,321 |
| Average earning assets | $146,900,000 | 3,318 |
| Average equity | $17,915,000 | 3,326 |
| Average total loans | $135,387,000 | 2,838 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 807 |
| Cost of funding earning assets | 0.3113% | 4,336 |
| Net interest margin | 4.6942% | 440 |
| Noninterest income to average assets | 0.0742% | 5,341 |
| Noninterest expense to average assets | 2.8780% | 2,414 |
| Loan and lease loss provision to assets | 0.2237% | 728 |
| Net operating income to assets | 1.3105% | 1,731 |
| Return on assets (ROA) | 1.3105% | 1,730 |
| Pretax return on assets | 1.3105% | 2,467 |
| Return on Equity (ROE) | 11.4986% | 1,908 |
| Retained earnings to average equity (ytd only) | -2.0529% | 5,151 |
| Net charge-offs to loans | 0.3257% | 489 |
| Credit loss provision to net charge-offs | 78.8288% | 2,268 |
| Earnings coverage of net charge-offs (x) | 5.4054% | 2,712 |
| Efficiency ratio | 65.2275% | 3,115 |
| Assets per employee ($millions) | 4.9398% | 2,493 |
| Cash dividends to net income (ytd only)* | 117.8537% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 699 |
| Loan loss allowance to noncurrent loans | 9.9323% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 15.6941% | 8 |
| Noncurrent loans to loans | 18.5291% | 4 |
| Net loans and leases to total assets | 83.1412% | 564 |
| Net loans and leases to deposits | 94.9918% | 1,251 |
| Net loans and leases to core deposits | 99.5071% | 1,770 |
| Total domestic deposits to total assets | 87.5247% | 1,633 |
| Equity capital to assets | 11.2278% | 2,426 |
| Core capital (leverage) ratio | 11.3260% | 2,230 |
| Tier 1 risk-based capital ratio | 19.1283% | 1,525 |
| Total risk-based capital ratio | 20.3947% | 1,481 |
| Memoranda: | ||
| Average total assets | $156,430,670 | 3,363 |
| Average earning assets | $144,561,670 | 3,364 |
| Average equity | $17,828,330 | 3,352 |
| Average total loans | $136,337,670 | 2,840 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9825% | 722 |
| Cost of funding earning assets | 0.3312% | 4,128 |
| Net interest margin | 4.6513% | 446 |
| Noninterest income to average assets | 0.0257% | 5,522 |
| Noninterest expense to average assets | 2.9484% | 2,205 |
| Loan and lease loss provision to assets | 0.1928% | 870 |
| Net operating income to assets | 1.1799% | 2,096 |
| Return on assets (ROA) | 1.1799% | 2,105 |
| Pretax return on assets | 1.1799% | 2,843 |
| Return on Equity (ROE) | 10.2751% | 2,284 |
| Retained earnings to average equity (ytd only) | -2.7982% | 5,069 |
| Net charge-offs to loans | -0.0174% | 4,486 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2332% | 2,794 |
| Assets per employee ($millions) | 4.7858% | 2,747 |
| Cash dividends to net income (ytd only)* | 127.2331% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8939% | 664 |
| Loan loss allowance to noncurrent loans | 10.4243% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 16.2364% | 7 |
| Noncurrent loans to loans | 18.1679% | 6 |
| Net loans and leases to total assets | 87.6757% | 150 |
| Net loans and leases to deposits | 101.4331% | 617 |
| Net loans and leases to core deposits | 107.8873% | 1,130 |
| Total domestic deposits to total assets | 86.4369% | 2,345 |
| Equity capital to assets | 11.6270% | 2,042 |
| Core capital (leverage) ratio | 11.6455% | 1,897 |
| Tier 1 risk-based capital ratio | 18.7422% | 1,619 |
| Total risk-based capital ratio | 20.0095% | 1,575 |
| Memoranda: | ||
| Average total assets | $155,610,000 | 3,408 |
| Average earning assets | $143,703,000 | 3,413 |
| Average equity | $17,868,500 | 3,370 |
| Average total loans | $137,563,000 | 2,848 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9350% | 739 |
| Cost of funding earning assets | 0.3030% | 4,116 |
| Net interest margin | 4.6321% | 466 |
| Noninterest income to average assets | 0.1324% | 5,282 |
| Noninterest expense to average assets | 2.8316% | 2,676 |
| Loan and lease loss provision to assets | 0.1865% | 1,139 |
| Net operating income to assets | 1.4105% | 992 |
| Return on assets (ROA) | 1.4105% | 1,010 |
| Pretax return on assets | 1.4105% | 1,955 |
| Return on Equity (ROE) | 13.0959% | 936 |
| Retained earnings to average equity (ytd only) | 3.4919% | 3,192 |
| Net charge-offs to loans | -0.0080% | 4,734 |
| Credit loss provision to net charge-offs | -2,727.2727% | 5,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9388% | 3,614 |
| Assets per employee ($millions) | 4.9399% | 2,556 |
| Cash dividends to net income (ytd only)* | 73.3363% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8161% | 757 |
| Loan loss allowance to noncurrent loans | 10.5469% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 15.5400% | 6 |
| Noncurrent loans to loans | 17.2192% | 6 |
| Net loans and leases to total assets | 85.8783% | 263 |
| Net loans and leases to deposits | 98.9677% | 819 |
| Net loans and leases to core deposits | 105.0720% | 1,339 |
| Total domestic deposits to total assets | 86.7741% | 2,100 |
| Equity capital to assets | 11.3433% | 2,334 |
| Core capital (leverage) ratio | 10.2102% | 3,179 |
| Tier 1 risk-based capital ratio | 18.4428% | 1,668 |
| Total risk-based capital ratio | 19.7089% | 1,618 |
| Memoranda: | ||
| Average total assets | $160,864,200 | 3,337 |
| Average earning assets | $149,199,000 | 3,334 |
| Average equity | $17,326,000 | 3,455 |
| Average total loans | $138,285,600 | 2,805 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8148% | 903 |
| Cost of funding earning assets | 0.3049% | 4,088 |
| Net interest margin | 4.5099% | 590 |
| Noninterest income to average assets | 0.1296% | 5,359 |
| Noninterest expense to average assets | 2.8669% | 2,516 |
| Loan and lease loss provision to assets | 0.1857% | 1,061 |
| Net operating income to assets | 1.2635% | 1,460 |
| Return on assets (ROA) | 1.2635% | 1,489 |
| Pretax return on assets | 1.2635% | 2,654 |
| Return on Equity (ROE) | 11.8854% | 1,370 |
| Retained earnings to average equity (ytd only) | -0.1786% | 5,236 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4245% | 3,140 |
| Assets per employee ($millions) | 4.9131% | 2,564 |
| Cash dividends to net income (ytd only)* | 101.5025% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 935 |
| Loan loss allowance to noncurrent loans | 11.0574% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 13.1938% | 12 |
| Noncurrent loans to loans | 15.8491% | 6 |
| Net loans and leases to total assets | 79.0585% | 1,118 |
| Net loans and leases to deposits | 89.7638% | 1,836 |
| Net loans and leases to core deposits | 94.5785% | 2,215 |
| Total domestic deposits to total assets | 88.0740% | 1,329 |
| Equity capital to assets | 10.0622% | 3,845 |
| Core capital (leverage) ratio | 10.7650% | 2,680 |
| Tier 1 risk-based capital ratio | 17.7731% | 1,917 |
| Total risk-based capital ratio | 19.0375% | 1,863 |
| Memoranda: | ||
| Average total assets | $161,561,250 | 3,358 |
| Average earning assets | $149,977,500 | 3,353 |
| Average equity | $17,174,750 | 3,507 |
| Average total loans | $138,291,000 | 2,822 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8568% | 767 |
| Cost of funding earning assets | 0.3201% | 3,876 |
| Net interest margin | 4.5366% | 527 |
| Noninterest income to average assets | 0.1354% | 5,376 |
| Noninterest expense to average assets | 2.8097% | 2,725 |
| Loan and lease loss provision to assets | 0.1898% | 986 |
| Net operating income to assets | 1.3308% | 1,214 |
| Return on assets (ROA) | 1.3308% | 1,238 |
| Pretax return on assets | 1.3308% | 2,267 |
| Return on Equity (ROE) | 12.2811% | 1,215 |
| Retained earnings to average equity (ytd only) | -2.7201% | 5,404 |
| Net charge-offs to loans | 0.0014% | 3,469 |
| Credit loss provision to net charge-offs | 15,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 1,202.0000% | 54 |
| Efficiency ratio | 64.8846% | 3,517 |
| Assets per employee ($millions) | 4.5320% | 3,051 |
| Cash dividends to net income (ytd only)* | 122.1483% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6867% | 1,084 |
| Loan loss allowance to noncurrent loans | 10.5483% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 14.1861% | 14 |
| Noncurrent loans to loans | 15.9907% | 8 |
| Net loans and leases to total assets | 83.9169% | 454 |
| Net loans and leases to deposits | 95.8439% | 1,097 |
| Net loans and leases to core deposits | 103.1367% | 1,429 |
| Total domestic deposits to total assets | 87.5559% | 1,688 |
| Equity capital to assets | 10.4767% | 3,376 |
| Core capital (leverage) ratio | 10.9081% | 2,493 |
| Tier 1 risk-based capital ratio | 17.0437% | 2,149 |
| Total risk-based capital ratio | 18.3071% | 2,094 |
| Memoranda: | ||
| Average total assets | $158,095,000 | 3,413 |
| Average earning assets | $146,187,330 | 3,411 |
| Average equity | $17,132,000 | 3,518 |
| Average total loans | $138,263,330 | 2,831 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7888% | 765 |
| Cost of funding earning assets | 0.3403% | 3,631 |
| Net interest margin | 4.4486% | 575 |
| Noninterest income to average assets | 0.1388% | 5,419 |
| Noninterest expense to average assets | 2.8001% | 2,791 |
| Loan and lease loss provision to assets | 0.1928% | 866 |
| Net operating income to assets | 1.2471% | 1,384 |
| Return on assets (ROA) | 1.2471% | 1,419 |
| Pretax return on assets | 1.2471% | 2,423 |
| Return on Equity (ROE) | 11.3110% | 1,459 |
| Retained earnings to average equity (ytd only) | -8.1392% | 5,528 |
| Net charge-offs to loans | -0.0087% | 4,363 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0400% | 3,491 |
| Assets per employee ($millions) | 4.7398% | 2,781 |
| Cash dividends to net income (ytd only)* | 171.9588% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 1,232 |
| Loan loss allowance to noncurrent loans | 10.6753% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 13.7794% | 19 |
| Noncurrent loans to loans | 15.5294% | 11 |
| Net loans and leases to total assets | 83.8527% | 383 |
| Net loans and leases to deposits | 95.8703% | 943 |
| Net loans and leases to core deposits | 103.1629% | 1,283 |
| Total domestic deposits to total assets | 87.4648% | 2,003 |
| Equity capital to assets | 10.5346% | 3,148 |
| Core capital (leverage) ratio | 11.0390% | 2,323 |
| Tier 1 risk-based capital ratio | 16.6963% | 2,279 |
| Total risk-based capital ratio | 17.9581% | 2,244 |
| Memoranda: | ||
| Average total assets | $155,566,000 | 3,481 |
| Average earning assets | $143,417,000 | 3,483 |
| Average equity | $17,151,500 | 3,530 |
| Average total loans | $137,764,000 | 2,850 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 1,250 |
| Cost of funding earning assets | 0.2646% | 4,417 |
| Net interest margin | 4.3478% | 855 |
| Noninterest income to average assets | 0.1448% | 5,471 |
| Noninterest expense to average assets | 2.5785% | 3,744 |
| Loan and lease loss provision to assets | 0.2218% | 988 |
| Net operating income to assets | 1.3823% | 1,045 |
| Return on assets (ROA) | 1.3823% | 1,088 |
| Pretax return on assets | 1.3823% | 2,006 |
| Return on Equity (ROE) | 13.4079% | 906 |
| Retained earnings to average equity (ytd only) | 6.3275% | 1,545 |
| Net charge-offs to loans | 0.2610% | 1,061 |
| Credit loss provision to net charge-offs | 100.5587% | 2,547 |
| Earnings coverage of net charge-offs (x) | 7.2737% | 3,042 |
| Efficiency ratio | 61.6495% | 4,318 |
| Assets per employee ($millions) | 4.4111% | 3,254 |
| Cash dividends to net income (ytd only)* | 52.8075% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 1,393 |
| Loan loss allowance to noncurrent loans | 9.8690% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 15.4189% | 15 |
| Noncurrent loans to loans | 16.1398% | 10 |
| Net loans and leases to total assets | 90.6253% | 55 |
| Net loans and leases to deposits | 107.3042% | 294 |
| Net loans and leases to core deposits | 116.4180% | 597 |
| Total domestic deposits to total assets | 84.4564% | 3,249 |
| Equity capital to assets | 11.5524% | 2,120 |
| Core capital (leverage) ratio | 10.0562% | 3,419 |
| Tier 1 risk-based capital ratio | 17.4659% | 2,019 |
| Total risk-based capital ratio | 18.7280% | 1,972 |
| Memoranda: | ||
| Average total assets | $162,341,600 | 3,370 |
| Average earning assets | $150,766,200 | 3,360 |
| Average equity | $16,736,400 | 3,587 |
| Average total loans | $137,170,400 | 2,813 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 1,549 |
| Cost of funding earning assets | 0.2585% | 4,531 |
| Net interest margin | 4.2392% | 1,047 |
| Noninterest income to average assets | 0.1443% | 5,539 |
| Noninterest expense to average assets | 2.4904% | 4,010 |
| Loan and lease loss provision to assets | 0.2901% | 596 |
| Net operating income to assets | 1.3024% | 1,284 |
| Return on assets (ROA) | 1.3024% | 1,381 |
| Pretax return on assets | 1.3024% | 2,423 |
| Return on Equity (ROE) | 12.9882% | 1,060 |
| Retained earnings to average equity (ytd only) | 4.4928% | 3,141 |
| Net charge-offs to loans | 0.3457% | 663 |
| Credit loss provision to net charge-offs | 101.4085% | 2,322 |
| Earnings coverage of net charge-offs (x) | 5.5662% | 3,114 |
| Efficiency ratio | 60.9949% | 4,394 |
| Assets per employee ($millions) | 5.6277% | 1,736 |
| Cash dividends to net income (ytd only)* | 65.4086% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 1,420 |
| Loan loss allowance to noncurrent loans | 9.0681% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 13.9084% | 21 |
| Noncurrent loans to loans | 17.8339% | 9 |
| Net loans and leases to total assets | 74.4210% | 1,804 |
| Net loans and leases to deposits | 83.9016% | 2,496 |
| Net loans and leases to core deposits | 89.6108% | 2,609 |
| Total domestic deposits to total assets | 88.7003% | 1,049 |
| Equity capital to assets | 9.3434% | 4,829 |
| Core capital (leverage) ratio | 9.8425% | 3,761 |
| Tier 1 risk-based capital ratio | 16.4549% | 2,435 |
| Total risk-based capital ratio | 17.7165% | 2,381 |
| Memoranda: | ||
| Average total assets | $165,432,500 | 3,355 |
| Average earning assets | $153,703,750 | 3,339 |
| Average equity | $16,589,000 | 3,643 |
| Average total loans | $136,933,500 | 2,825 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 1,180 |
| Cost of funding earning assets | 0.2653% | 4,498 |
| Net interest margin | 4.3786% | 794 |
| Noninterest income to average assets | 0.1570% | 5,533 |
| Noninterest expense to average assets | 2.5525% | 3,885 |
| Loan and lease loss provision to assets | 0.2990% | 605 |
| Net operating income to assets | 1.3554% | 1,152 |
| Return on assets (ROA) | 1.3554% | 1,223 |
| Pretax return on assets | 1.3554% | 2,189 |
| Return on Equity (ROE) | 13.1799% | 988 |
| Retained earnings to average equity (ytd only) | 2.1563% | 4,491 |
| Net charge-offs to loans | 0.5205% | 409 |
| Credit loss provision to net charge-offs | 67.2269% | 2,504 |
| Earnings coverage of net charge-offs (x) | 3.7199% | 3,070 |
| Efficiency ratio | 60.6752% | 4,553 |
| Assets per employee ($millions) | 5.2525% | 2,033 |
| Cash dividends to net income (ytd only)* | 83.6397% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 1,775 |
| Loan loss allowance to noncurrent loans | 8.8391% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 14.9747% | 17 |
| Noncurrent loans to loans | 17.2552% | 8 |
| Net loans and leases to total assets | 82.5159% | 571 |
| Net loans and leases to deposits | 94.0632% | 1,289 |
| Net loans and leases to core deposits | 101.6093% | 1,502 |
| Total domestic deposits to total assets | 87.7239% | 1,558 |
| Equity capital to assets | 10.0996% | 4,090 |
| Core capital (leverage) ratio | 10.1187% | 3,430 |
| Tier 1 risk-based capital ratio | 15.7820% | 2,747 |
| Total risk-based capital ratio | 17.0411% | 2,681 |
| Memoranda: | ||
| Average total assets | $160,548,330 | 3,429 |
| Average earning assets | $148,494,000 | 3,426 |
| Average equity | $16,510,000 | 3,658 |
| Average total loans | $137,170,000 | 2,831 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 1,037 |
| Cost of funding earning assets | 0.2778% | 4,416 |
| Net interest margin | 4.4286% | 696 |
| Noninterest income to average assets | 0.1531% | 5,572 |
| Noninterest expense to average assets | 2.5494% | 3,912 |
| Loan and lease loss provision to assets | 0.3011% | 520 |
| Net operating income to assets | 1.3826% | 1,072 |
| Return on assets (ROA) | 1.3826% | 1,128 |
| Pretax return on assets | 1.3826% | 1,952 |
| Return on Equity (ROE) | 13.3233% | 963 |
| Retained earnings to average equity (ytd only) | 13.3233% | 366 |
| Net charge-offs to loans | 0.0175% | 2,587 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 111.8333% | 499 |
| Efficiency ratio | 60.2253% | 4,714 |
| Assets per employee ($millions) | 5.2409% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 1,450 |
| Loan loss allowance to noncurrent loans | 9.6069% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 15.5637% | 19 |
| Noncurrent loans to loans | 17.3097% | 11 |
| Net loans and leases to total assets | 84.1520% | 357 |
| Net loans and leases to deposits | 96.2187% | 927 |
| Net loans and leases to core deposits | 103.7093% | 1,206 |
| Total domestic deposits to total assets | 87.4591% | 1,956 |
| Equity capital to assets | 10.3516% | 3,685 |
| Core capital (leverage) ratio | 10.6179% | 2,829 |
| Tier 1 risk-based capital ratio | 16.3824% | 2,523 |
| Total risk-based capital ratio | 17.6458% | 2,476 |
| Memoranda: | ||
| Average total assets | $159,408,500 | 3,458 |
| Average earning assets | $146,862,000 | 3,461 |
| Average equity | $16,542,500 | 3,654 |
| Average total loans | $137,535,000 | 2,831 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 1,655 |
| Cost of funding earning assets | 0.2824% | 4,458 |
| Net interest margin | 4.1990% | 1,178 |
| Noninterest income to average assets | 0.1064% | 5,856 |
| Noninterest expense to average assets | 2.3271% | 4,714 |
| Loan and lease loss provision to assets | 0.2869% | 618 |
| Net operating income to assets | 1.4205% | 1,004 |
| Return on assets (ROA) | 1.4205% | 1,043 |
| Pretax return on assets | 1.4205% | 1,822 |
| Return on Equity (ROE) | 14.2886% | 802 |
| Retained earnings to average equity (ytd only) | -2.7050% | 5,799 |
| Net charge-offs to loans | 0.0544% | 3,119 |
| Credit loss provision to net charge-offs | 631.5789% | 533 |
| Earnings coverage of net charge-offs (x) | 37.5921% | 1,229 |
| Efficiency ratio | 57.6803% | 5,174 |
| Assets per employee ($millions) | 5.0435% | 2,316 |
| Cash dividends to net income (ytd only)* | 118.9314% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 1,561 |
| Loan loss allowance to noncurrent loans | 8.8262% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 16.2854% | 15 |
| Noncurrent loans to loans | 18.3059% | 9 |
| Net loans and leases to total assets | 85.6034% | 263 |
| Net loans and leases to deposits | 98.0506% | 810 |
| Net loans and leases to core deposits | 104.7450% | 1,182 |
| Total domestic deposits to total assets | 87.3053% | 1,981 |
| Equity capital to assets | 10.4043% | 3,481 |
| Core capital (leverage) ratio | 9.0580% | 4,809 |
| Tier 1 risk-based capital ratio | 14.6018% | 3,382 |
| Total risk-based capital ratio | 15.8603% | 3,301 |
| Memoranda: | ||
| Average total assets | $167,331,200 | 3,349 |
| Average earning assets | $156,537,000 | 3,305 |
| Average equity | $16,635,600 | 3,576 |
| Average total loans | $139,597,200 | 2,725 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4571% | 1,736 |
| Cost of funding earning assets | 0.2820% | 4,534 |
| Net interest margin | 4.1751% | 1,223 |
| Noninterest income to average assets | 0.1678% | 5,640 |
| Noninterest expense to average assets | 2.4043% | 4,500 |
| Loan and lease loss provision to assets | 0.2822% | 555 |
| Net operating income to assets | 1.3931% | 1,123 |
| Return on assets (ROA) | 1.3931% | 1,174 |
| Pretax return on assets | 1.3931% | 2,044 |
| Return on Equity (ROE) | 14.1637% | 871 |
| Retained earnings to average equity (ytd only) | 4.1527% | 3,508 |
| Net charge-offs to loans | 0.0133% | 3,709 |
| Credit loss provision to net charge-offs | 2,571.4286% | 138 |
| Earnings coverage of net charge-offs (x) | 152.6117% | 459 |
| Efficiency ratio | 58.9354% | 5,015 |
| Assets per employee ($millions) | 5.7557% | 1,543 |
| Cash dividends to net income (ytd only)* | 70.6808% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 1,895 |
| Loan loss allowance to noncurrent loans | 8.6294% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 14.0012% | 30 |
| Noncurrent loans to loans | 18.1652% | 9 |
| Net loans and leases to total assets | 75.3132% | 1,492 |
| Net loans and leases to deposits | 85.3422% | 2,234 |
| Net loans and leases to core deposits | 90.9546% | 2,361 |
| Total domestic deposits to total assets | 88.2484% | 1,426 |
| Equity capital to assets | 9.6611% | 4,560 |
| Core capital (leverage) ratio | 9.8372% | 3,850 |
| Tier 1 risk-based capital ratio | 15.1045% | 3,247 |
| Total risk-based capital ratio | 16.3619% | 3,177 |
| Memoranda: | ||
| Average total assets | $170,076,750 | 3,330 |
| Average earning assets | $159,351,750 | 3,293 |
| Average equity | $16,727,750 | 3,597 |
| Average total loans | $140,487,000 | 2,739 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 1,385 |
| Cost of funding earning assets | 0.2933% | 4,464 |
| Net interest margin | 4.2645% | 988 |
| Noninterest income to average assets | 0.1626% | 5,733 |
| Noninterest expense to average assets | 2.4639% | 4,355 |
| Loan and lease loss provision to assets | 0.2869% | 558 |
| Net operating income to assets | 1.4095% | 1,073 |
| Return on assets (ROA) | 1.4095% | 1,110 |
| Pretax return on assets | 1.4095% | 1,941 |
| Return on Equity (ROE) | 14.2411% | 857 |
| Retained earnings to average equity (ytd only) | -0.9301% | 5,681 |
| Net charge-offs to loans | 0.0310% | 3,038 |
| Credit loss provision to net charge-offs | 1,090.9091% | 324 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 800 |
| Efficiency ratio | 59.2241% | 5,086 |
| Assets per employee ($millions) | 5.2781% | 1,951 |
| Cash dividends to net income (ytd only)* | 106.5310% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 2,583 |
| Loan loss allowance to noncurrent loans | 7.6686% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 15.6631% | 21 |
| Noncurrent loans to loans | 18.7158% | 10 |
| Net loans and leases to total assets | 81.8082% | 573 |
| Net loans and leases to deposits | 93.0339% | 1,249 |
| Net loans and leases to core deposits | 98.8277% | 1,586 |
| Total domestic deposits to total assets | 87.9337% | 1,685 |
| Equity capital to assets | 9.8520% | 4,214 |
| Core capital (leverage) ratio | 9.9636% | 3,657 |
| Tier 1 risk-based capital ratio | 15.5189% | 3,097 |
| Total risk-based capital ratio | 16.7770% | 3,037 |
| Memoranda: | ||
| Average total assets | $167,293,330 | 3,397 |
| Average earning assets | $156,829,330 | 3,349 |
| Average equity | $16,557,670 | 3,632 |
| Average total loans | $141,809,670 | 2,728 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 1,273 |
| Cost of funding earning assets | 0.3022% | 4,418 |
| Net interest margin | 4.2762% | 928 |
| Noninterest income to average assets | 0.1393% | 5,913 |
| Noninterest expense to average assets | 2.4770% | 4,334 |
| Loan and lease loss provision to assets | 0.2883% | 514 |
| Net operating income to assets | 1.3863% | 1,055 |
| Return on assets (ROA) | 1.3863% | 1,113 |
| Pretax return on assets | 1.3863% | 1,939 |
| Return on Equity (ROE) | 13.9739% | 885 |
| Retained earnings to average equity (ytd only) | -9.7115% | 6,129 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6644% | 5,137 |
| Assets per employee ($millions) | 5.4263% | 1,859 |
| Cash dividends to net income (ytd only)* | 169.4974% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 3,230 |
| Loan loss allowance to noncurrent loans | 6.7771% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 16.3908% | 21 |
| Noncurrent loans to loans | 19.6714% | 14 |
| Net loans and leases to total assets | 81.5797% | 506 |
| Net loans and leases to deposits | 96.9018% | 774 |
| Net loans and leases to core deposits | 105.7348% | 957 |
| Total domestic deposits to total assets | 84.1880% | 3,746 |
| Equity capital to assets | 9.3965% | 4,862 |
| Core capital (leverage) ratio | 9.9695% | 3,641 |
| Tier 1 risk-based capital ratio | 11.9894% | 5,244 |
| Total risk-based capital ratio | 13.2415% | 5,139 |
| Memoranda: | ||
| Average total assets | $166,490,000 | 3,419 |
| Average earning assets | $156,212,000 | 3,374 |
| Average equity | $16,516,500 | 3,664 |
| Average total loans | $142,621,500 | 2,722 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2579% | 2,752 |
| Cost of funding earning assets | 0.3373% | 4,396 |
| Net interest margin | 3.9206% | 2,155 |
| Noninterest income to average assets | 0.1315% | 6,033 |
| Noninterest expense to average assets | 2.2724% | 5,184 |
| Loan and lease loss provision to assets | 0.2913% | 714 |
| Net operating income to assets | 1.2691% | 1,374 |
| Return on assets (ROA) | 1.2703% | 1,419 |
| Pretax return on assets | 1.2703% | 2,346 |
| Return on Equity (ROE) | 13.8586% | 956 |
| Retained earnings to average equity (ytd only) | 4.6070% | 2,903 |
| Net charge-offs to loans | 0.1817% | 2,213 |
| Credit loss provision to net charge-offs | 203.6290% | 1,211 |
| Earnings coverage of net charge-offs (x) | 10.9073% | 2,569 |
| Efficiency ratio | 59.2866% | 5,311 |
| Assets per employee ($millions) | 4.9794% | 2,347 |
| Cash dividends to net income (ytd only)* | 66.7575% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 3,614 |
| Loan loss allowance to noncurrent loans | 6.2727% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 18.0846% | 14 |
| Noncurrent loans to loans | 20.1872% | 11 |
| Net loans and leases to total assets | 87.7871% | 124 |
| Net loans and leases to deposits | 100.8413% | 578 |
| Net loans and leases to core deposits | 108.5494% | 853 |
| Total domestic deposits to total assets | 87.0547% | 2,250 |
| Equity capital to assets | 10.4914% | 3,493 |
| Core capital (leverage) ratio | 9.0817% | 4,848 |
| Tier 1 risk-based capital ratio | 15.0254% | 3,468 |
| Total risk-based capital ratio | 16.2803% | 3,410 |
| Memoranda: | ||
| Average total assets | $173,344,600 | 3,286 |
| Average earning assets | $163,647,800 | 3,232 |
| Average equity | $15,889,000 | 3,685 |
| Average total loans | $136,497,000 | 2,752 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1197% | 3,298 |
| Cost of funding earning assets | 0.3408% | 4,449 |
| Net interest margin | 3.7789% | 2,695 |
| Noninterest income to average assets | 0.1357% | 6,095 |
| Noninterest expense to average assets | 2.1985% | 5,355 |
| Loan and lease loss provision to assets | 0.2903% | 687 |
| Net operating income to assets | 1.2161% | 1,627 |
| Return on assets (ROA) | 1.2176% | 1,680 |
| Pretax return on assets | 1.2176% | 2,710 |
| Return on Equity (ROE) | 13.7309% | 1,043 |
| Retained earnings to average equity (ytd only) | 1.2328% | 5,403 |
| Net charge-offs to loans | 0.0976% | 2,831 |
| Credit loss provision to net charge-offs | 388.8889% | 726 |
| Earnings coverage of net charge-offs (x) | 20.1813% | 1,749 |
| Efficiency ratio | 59.3407% | 5,271 |
| Assets per employee ($millions) | 5.6650% | 1,583 |
| Cash dividends to net income (ytd only)* | 91.0216% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 3,557 |
| Loan loss allowance to noncurrent loans | 6.1866% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 15.7625% | 32 |
| Noncurrent loans to loans | 21.3100% | 10 |
| Net loans and leases to total assets | 72.9924% | 1,683 |
| Net loans and leases to deposits | 81.8502% | 2,448 |
| Net loans and leases to core deposits | 87.1672% | 2,521 |
| Total domestic deposits to total assets | 89.1780% | 1,139 |
| Equity capital to assets | 8.6283% | 5,699 |
| Core capital (leverage) ratio | 8.8711% | 5,231 |
| Tier 1 risk-based capital ratio | 13.9979% | 4,215 |
| Total risk-based capital ratio | 15.2524% | 4,152 |
| Memoranda: | ||
| Average total assets | $176,845,750 | 3,272 |
| Average earning assets | $167,029,750 | 3,221 |
| Average equity | $15,682,000 | 3,739 |
| Average total loans | $135,202,750 | 2,787 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 3,029 |
| Cost of funding earning assets | 0.3617% | 4,301 |
| Net interest margin | 3.8187% | 2,490 |
| Noninterest income to average assets | 0.1337% | 6,151 |
| Noninterest expense to average assets | 2.2147% | 5,376 |
| Loan and lease loss provision to assets | 0.3055% | 640 |
| Net operating income to assets | 1.2163% | 1,544 |
| Return on assets (ROA) | 1.2186% | 1,595 |
| Pretax return on assets | 1.2186% | 2,579 |
| Return on Equity (ROE) | 13.6100% | 1,028 |
| Retained earnings to average equity (ytd only) | -5.3178% | 6,254 |
| Net charge-offs to loans | 0.1267% | 2,399 |
| Credit loss provision to net charge-offs | 311.7647% | 832 |
| Earnings coverage of net charge-offs (x) | 15.5294% | 1,840 |
| Efficiency ratio | 59.2718% | 5,395 |
| Assets per employee ($millions) | 5.8539% | 1,386 |
| Cash dividends to net income (ytd only)* | 139.0728% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,112 |
| Loan loss allowance to noncurrent loans | 6.3423% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 15.4154% | 30 |
| Noncurrent loans to loans | 19.8150% | 12 |
| Net loans and leases to total assets | 76.8189% | 1,070 |
| Net loans and leases to deposits | 86.4977% | 1,770 |
| Net loans and leases to core deposits | 91.9311% | 1,945 |
| Total domestic deposits to total assets | 88.8103% | 1,465 |
| Equity capital to assets | 8.8670% | 5,446 |
| Core capital (leverage) ratio | 8.9720% | 5,059 |
| Tier 1 risk-based capital ratio | 13.4749% | 4,601 |
| Total risk-based capital ratio | 14.7277% | 4,538 |
| Memoranda: | ||
| Average total assets | $173,479,670 | 3,332 |
| Average earning assets | $163,668,670 | 3,275 |
| Average equity | $15,532,670 | 3,765 |
| Average total loans | $134,177,670 | 2,805 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 2,937 |
| Cost of funding earning assets | 0.3642% | 4,395 |
| Net interest margin | 3.8189% | 2,390 |
| Noninterest income to average assets | 0.1160% | 6,271 |
| Noninterest expense to average assets | 2.1901% | 5,484 |
| Loan and lease loss provision to assets | 0.3364% | 531 |
| Net operating income to assets | 1.1902% | 1,510 |
| Return on assets (ROA) | 1.1948% | 1,571 |
| Pretax return on assets | 1.1948% | 2,502 |
| Return on Equity (ROE) | 13.2792% | 1,091 |
| Retained earnings to average equity (ytd only) | -24.6245% | 6,580 |
| Net charge-offs to loans | 0.1564% | 1,779 |
| Credit loss provision to net charge-offs | 278.8462% | 832 |
| Earnings coverage of net charge-offs (x) | 12.6538% | 1,707 |
| Efficiency ratio | 58.9263% | 5,549 |
| Assets per employee ($millions) | 6.2430% | 1,156 |
| Cash dividends to net income (ytd only)* | 285.4369% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 4,543 |
| Loan loss allowance to noncurrent loans | 6.1602% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 15.1370% | 41 |
| Noncurrent loans to loans | 19.8297% | 17 |
| Net loans and leases to total assets | 75.4022% | 1,074 |
| Net loans and leases to deposits | 84.6875% | 1,754 |
| Net loans and leases to core deposits | 89.3061% | 1,975 |
| Total domestic deposits to total assets | 89.0357% | 1,638 |
| Equity capital to assets | 8.5982% | 5,549 |
| Core capital (leverage) ratio | 8.7487% | 5,324 |
| Tier 1 risk-based capital ratio | 13.9209% | 4,374 |
| Total risk-based capital ratio | 15.1737% | 4,321 |
| Memoranda: | ||
| Average total assets | $172,411,000 | 3,373 |
| Average earning assets | $162,560,000 | 3,314 |
| Average equity | $15,513,000 | 3,780 |
| Average total loans | $132,954,500 | 2,835 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 3,134 |
| Cost of funding earning assets | 0.5644% | 2,980 |
| Net interest margin | 3.6902% | 3,097 |
| Noninterest income to average assets | 0.1581% | 6,142 |
| Noninterest expense to average assets | 2.2405% | 5,529 |
| Loan and lease loss provision to assets | 0.2692% | 1,311 |
| Net operating income to assets | 1.1231% | 1,857 |
| Return on assets (ROA) | 1.2279% | 1,524 |
| Pretax return on assets | 1.2279% | 2,469 |
| Return on Equity (ROE) | 14.1179% | 923 |
| Retained earnings to average equity (ytd only) | 9.6797% | 623 |
| Net charge-offs to loans | 0.6417% | 1,010 |
| Credit loss provision to net charge-offs | 55.1643% | 3,698 |
| Earnings coverage of net charge-offs (x) | 2.8533% | 4,051 |
| Efficiency ratio | 61.6743% | 5,263 |
| Assets per employee ($millions) | 6.0721% | 1,226 |
| Cash dividends to net income (ytd only)* | 31.4366% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 4,856 |
| Loan loss allowance to noncurrent loans | 5.7335% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 15.7777% | 42 |
| Noncurrent loans to loans | 20.2494% | 20 |
| Net loans and leases to total assets | 77.0124% | 951 |
| Net loans and leases to deposits | 87.3576% | 1,536 |
| Net loans and leases to core deposits | 93.7292% | 1,621 |
| Total domestic deposits to total assets | 88.1577% | 2,085 |
| Equity capital to assets | 9.4084% | 4,539 |
| Core capital (leverage) ratio | 8.2932% | 5,883 |
| Tier 1 risk-based capital ratio | 14.9496% | 3,700 |
| Total risk-based capital ratio | 16.2016% | 3,644 |
| Memoranda: | ||
| Average total assets | $174,602,200 | 3,336 |
| Average earning assets | $164,410,200 | 3,283 |
| Average equity | $15,186,400 | 3,832 |
| Average total loans | $132,779,200 | 2,808 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2247% | 3,295 |
| Cost of funding earning assets | 0.5883% | 2,917 |
| Net interest margin | 3.6363% | 3,294 |
| Noninterest income to average assets | 0.1699% | 6,167 |
| Noninterest expense to average assets | 2.2532% | 5,471 |
| Loan and lease loss provision to assets | 0.2655% | 1,336 |
| Net operating income to assets | 1.0742% | 2,101 |
| Return on assets (ROA) | 1.2131% | 1,662 |
| Pretax return on assets | 1.2131% | 2,645 |
| Return on Equity (ROE) | 14.2282% | 942 |
| Retained earnings to average equity (ytd only) | 8.2308% | 1,324 |
| Net charge-offs to loans | 0.8550% | 687 |
| Credit loss provision to net charge-offs | 41.0798% | 3,690 |
| Earnings coverage of net charge-offs (x) | 2.0728% | 4,144 |
| Efficiency ratio | 62.7111% | 5,029 |
| Assets per employee ($millions) | 6.3114% | 1,034 |
| Cash dividends to net income (ytd only)* | 42.1511% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 5,450 |
| Loan loss allowance to noncurrent loans | 5.2263% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 14.3296% | 58 |
| Noncurrent loans to loans | 20.4429% | 18 |
| Net loans and leases to total assets | 69.3466% | 2,075 |
| Net loans and leases to deposits | 77.4658% | 2,749 |
| Net loans and leases to core deposits | 83.2122% | 2,737 |
| Total domestic deposits to total assets | 89.5190% | 1,283 |
| Equity capital to assets | 8.1730% | 6,030 |
| Core capital (leverage) ratio | 8.0022% | 6,221 |
| Tier 1 risk-based capital ratio | 13.9595% | 4,462 |
| Total risk-based capital ratio | 15.2098% | 4,410 |
| Memoranda: | ||
| Average total assets | $175,748,250 | 3,350 |
| Average earning assets | $165,437,250 | 3,306 |
| Average equity | $14,984,000 | 3,915 |
| Average total loans | $132,855,750 | 2,824 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 2,872 |
| Cost of funding earning assets | 0.6327% | 2,657 |
| Net interest margin | 3.6855% | 3,010 |
| Noninterest income to average assets | 0.3703% | 4,745 |
| Noninterest expense to average assets | 2.3129% | 5,330 |
| Loan and lease loss provision to assets | 0.2687% | 1,377 |
| Net operating income to assets | 1.2522% | 1,451 |
| Return on assets (ROA) | 1.2522% | 1,546 |
| Pretax return on assets | 1.2522% | 2,475 |
| Return on Equity (ROE) | 14.4666% | 917 |
| Retained earnings to average equity (ytd only) | 5.3710% | 2,828 |
| Net charge-offs to loans | 1.2686% | 449 |
| Credit loss provision to net charge-offs | 27.2835% | 3,630 |
| Earnings coverage of net charge-offs (x) | 1.5445% | 4,016 |
| Efficiency ratio | 60.3291% | 5,434 |
| Assets per employee ($millions) | 5.8894% | 1,286 |
| Cash dividends to net income (ytd only)* | 62.8731% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 5,846 |
| Loan loss allowance to noncurrent loans | 4.8305% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 14.5734% | 66 |
| Noncurrent loans to loans | 20.5959% | 19 |
| Net loans and leases to total assets | 69.0141% | 2,063 |
| Net loans and leases to deposits | 76.9195% | 2,740 |
| Net loans and leases to core deposits | 82.7463% | 2,722 |
| Total domestic deposits to total assets | 89.7225% | 1,193 |
| Equity capital to assets | 7.9476% | 6,234 |
| Core capital (leverage) ratio | 8.2633% | 5,937 |
| Tier 1 risk-based capital ratio | 13.6907% | 4,648 |
| Total risk-based capital ratio | 14.8924% | 4,643 |
| Memoranda: | ||
| Average total assets | $171,216,670 | 3,443 |
| Average earning assets | $160,900,670 | 3,383 |
| Average equity | $14,820,330 | 3,981 |
| Average total loans | $132,900,670 | 2,822 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 1,842 |
| Cost of funding earning assets | 0.7012% | 2,193 |
| Net interest margin | 3.8920% | 2,148 |
| Noninterest income to average assets | 0.1697% | 6,242 |
| Noninterest expense to average assets | 2.3961% | 5,134 |
| Loan and lease loss provision to assets | 0.2706% | 1,307 |
| Net operating income to assets | 1.1489% | 1,681 |
| Return on assets (ROA) | 1.1489% | 1,783 |
| Pretax return on assets | 1.1489% | 2,768 |
| Return on Equity (ROE) | 12.6717% | 1,251 |
| Retained earnings to average equity (ytd only) | 6.3223% | 2,495 |
| Net charge-offs to loans | -0.0030% | 5,195 |
| Credit loss provision to net charge-offs | -11,000.0000% | 5,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7982% | 5,181 |
| Assets per employee ($millions) | 5.2115% | 1,965 |
| Cash dividends to net income (ytd only)* | 50.1071% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 3,705 |
| Loan loss allowance to noncurrent loans | 7.6216% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 16.0175% | 61 |
| Noncurrent loans to loans | 20.0590% | 25 |
| Net loans and leases to total assets | 78.4425% | 568 |
| Net loans and leases to deposits | 89.9321% | 973 |
| Net loans and leases to core deposits | 96.7882% | 1,156 |
| Total domestic deposits to total assets | 87.2242% | 2,811 |
| Equity capital to assets | 8.9010% | 5,613 |
| Core capital (leverage) ratio | 9.2602% | 4,462 |
| Tier 1 risk-based capital ratio | 13.5933% | 4,806 |
| Total risk-based capital ratio | 14.8508% | 4,762 |
| Memoranda: | ||
| Average total assets | $162,595,000 | 3,607 |
| Average earning assets | $152,312,500 | 3,554 |
| Average equity | $14,741,500 | 4,050 |
| Average total loans | $133,665,500 | 2,824 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 3,856 |
| Cost of funding earning assets | 0.8707% | 2,136 |
| Net interest margin | 3.5177% | 4,428 |
| Noninterest income to average assets | 0.2172% | 5,876 |
| Noninterest expense to average assets | 2.3674% | 5,505 |
| Loan and lease loss provision to assets | 0.2351% | 2,785 |
| Net operating income to assets | 0.9121% | 2,758 |
| Return on assets (ROA) | 0.9121% | 2,994 |
| Pretax return on assets | 0.9121% | 3,881 |
| Return on Equity (ROE) | 10.0623% | 2,144 |
| Retained earnings to average equity (ytd only) | 1.2492% | 5,244 |
| Net charge-offs to loans | 0.1948% | 3,817 |
| Credit loss provision to net charge-offs | 154.4715% | 1,750 |
| Earnings coverage of net charge-offs (x) | 7.5366% | 2,578 |
| Efficiency ratio | 67.3592% | 4,258 |
| Assets per employee ($millions) | 4.9507% | 2,294 |
| Cash dividends to net income (ytd only)* | 87.5848% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 4,026 |
| Loan loss allowance to noncurrent loans | 7.6451% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 15.8911% | 69 |
| Noncurrent loans to loans | 18.6745% | 38 |
| Net loans and leases to total assets | 83.6771% | 234 |
| Net loans and leases to deposits | 96.5457% | 592 |
| Net loans and leases to core deposits | 104.6192% | 755 |
| Total domestic deposits to total assets | 86.6710% | 3,014 |
| Equity capital to assets | 9.2405% | 5,221 |
| Core capital (leverage) ratio | 7.9776% | 6,218 |
| Tier 1 risk-based capital ratio | 13.6414% | 4,646 |
| Total risk-based capital ratio | 14.8981% | 4,588 |
| Memoranda: | ||
| Average total assets | $161,611,200 | 3,593 |
| Average earning assets | $151,490,000 | 3,519 |
| Average equity | $14,648,800 | 4,032 |
| Average total loans | $126,280,600 | 2,948 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 4,681 |
| Cost of funding earning assets | 0.8690% | 2,398 |
| Net interest margin | 3.3692% | 5,141 |
| Noninterest income to average assets | 0.2176% | 5,985 |
| Noninterest expense to average assets | 2.3356% | 5,585 |
| Loan and lease loss provision to assets | 0.2217% | 2,846 |
| Net operating income to assets | 0.8177% | 3,360 |
| Return on assets (ROA) | 0.8177% | 3,601 |
| Pretax return on assets | 0.8177% | 4,423 |
| Return on Equity (ROE) | 9.0639% | 2,773 |
| Retained earnings to average equity (ytd only) | 2.3661% | 5,153 |
| Net charge-offs to loans | 0.0902% | 4,477 |
| Credit loss provision to net charge-offs | 321.4286% | 832 |
| Earnings coverage of net charge-offs (x) | 15.0711% | 1,793 |
| Efficiency ratio | 69.2046% | 3,841 |
| Assets per employee ($millions) | 5.5850% | 1,552 |
| Cash dividends to net income (ytd only)* | 73.8955% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 3,620 |
| Loan loss allowance to noncurrent loans | 10.0942% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 10.9653% | 194 |
| Noncurrent loans to loans | 15.6052% | 87 |
| Net loans and leases to total assets | 68.9445% | 2,122 |
| Net loans and leases to deposits | 78.3235% | 2,618 |
| Net loans and leases to core deposits | 90.2768% | 1,954 |
| Total domestic deposits to total assets | 88.0253% | 2,033 |
| Equity capital to assets | 8.2515% | 6,460 |
| Core capital (leverage) ratio | 8.7980% | 5,352 |
| Tier 1 risk-based capital ratio | 13.3758% | 4,968 |
| Total risk-based capital ratio | 14.6330% | 4,922 |
| Memoranda: | ||
| Average total assets | $162,408,500 | 3,610 |
| Average earning assets | $152,200,500 | 3,546 |
| Average equity | $14,651,250 | 4,067 |
| Average total loans | $124,230,000 | 3,031 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3853% | 4,240 |
| Cost of funding earning assets | 0.8836% | 2,533 |
| Net interest margin | 3.5017% | 4,658 |
| Noninterest income to average assets | 0.2191% | 5,998 |
| Noninterest expense to average assets | 2.3915% | 5,490 |
| Loan and lease loss provision to assets | 0.2293% | 2,782 |
| Net operating income to assets | 0.8702% | 3,042 |
| Return on assets (ROA) | 0.8702% | 3,305 |
| Pretax return on assets | 0.8702% | 4,198 |
| Return on Equity (ROE) | 9.3438% | 2,652 |
| Retained earnings to average equity (ytd only) | 1.2449% | 5,576 |
| Net charge-offs to loans | 0.1372% | 3,823 |
| Credit loss provision to net charge-offs | 211.7647% | 1,331 |
| Earnings coverage of net charge-offs (x) | 10.1529% | 2,089 |
| Efficiency ratio | 68.5036% | 4,042 |
| Assets per employee ($millions) | 5.0565% | 2,096 |
| Cash dividends to net income (ytd only)* | 86.6764% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5726% | 3,698 |
| Loan loss allowance to noncurrent loans | 11.8765% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 9.8388% | 269 |
| Noncurrent loans to loans | 13.2409% | 134 |
| Net loans and leases to total assets | 72.7609% | 1,431 |
| Net loans and leases to deposits | 83.7558% | 1,884 |
| Net loans and leases to core deposits | 102.3561% | 956 |
| Total domestic deposits to total assets | 86.8727% | 2,846 |
| Equity capital to assets | 9.0255% | 5,672 |
| Core capital (leverage) ratio | 9.1217% | 4,732 |
| Tier 1 risk-based capital ratio | 13.6159% | 4,729 |
| Total risk-based capital ratio | 14.8729% | 4,694 |
| Memoranda: | ||
| Average total assets | $156,971,670 | 3,716 |
| Average earning assets | $146,672,330 | 3,662 |
| Average equity | $14,619,330 | 4,070 |
| Average total loans | $123,910,330 | 3,053 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 3,552 |
| Cost of funding earning assets | 0.8858% | 2,795 |
| Net interest margin | 3.7037% | 3,810 |
| Noninterest income to average assets | 0.2252% | 6,010 |
| Noninterest expense to average assets | 2.4225% | 5,397 |
| Loan and lease loss provision to assets | 0.2329% | 2,618 |
| Net operating income to assets | 1.0327% | 2,355 |
| Return on assets (ROA) | 1.0327% | 2,541 |
| Pretax return on assets | 1.0327% | 3,561 |
| Return on Equity (ROE) | 10.9113% | 2,054 |
| Retained earnings to average equity (ytd only) | 3.8559% | 4,274 |
| Net charge-offs to loans | 0.0286% | 4,290 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 54.3333% | 594 |
| Efficiency ratio | 65.6842% | 4,614 |
| Assets per employee ($millions) | 5.1707% | 2,030 |
| Cash dividends to net income (ytd only)* | 64.6617% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 4,107 |
| Loan loss allowance to noncurrent loans | 11.2782% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 10.3273% | 278 |
| Noncurrent loans to loans | 13.3870% | 156 |
| Net loans and leases to total assets | 75.9796% | 799 |
| Net loans and leases to deposits | 87.6351% | 1,215 |
| Net loans and leases to core deposits | 108.6412% | 581 |
| Total domestic deposits to total assets | 86.7000% | 3,117 |
| Equity capital to assets | 9.1595% | 5,281 |
| Core capital (leverage) ratio | 9.3898% | 4,208 |
| Tier 1 risk-based capital ratio | 13.6312% | 4,728 |
| Total risk-based capital ratio | 14.8873% | 4,708 |
| Memoranda: | ||
| Average total assets | $154,553,500 | 3,794 |
| Average earning assets | $144,502,500 | 3,732 |
| Average equity | $14,627,000 | 4,068 |
| Average total loans | $126,058,500 | 3,022 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 4,043 |
| Cost of funding earning assets | 0.9405% | 3,781 |
| Net interest margin | 3.8077% | 3,779 |
| Noninterest income to average assets | 0.2610% | 5,670 |
| Noninterest expense to average assets | 2.3916% | 5,795 |
| Loan and lease loss provision to assets | 0.2385% | 3,822 |
| Net operating income to assets | 1.1766% | 1,580 |
| Return on assets (ROA) | 1.1766% | 1,693 |
| Pretax return on assets | 1.1766% | 2,544 |
| Return on Equity (ROE) | 12.2181% | 1,350 |
| Retained earnings to average equity (ytd only) | 2.4422% | 4,480 |
| Net charge-offs to loans | 0.0088% | 6,305 |
| Credit loss provision to net charge-offs | 3,272.7273% | 70 |
| Earnings coverage of net charge-offs (x) | 194.1818% | 177 |
| Efficiency ratio | 62.8263% | 5,326 |
| Assets per employee ($millions) | 4.8005% | 2,449 |
| Cash dividends to net income (ytd only)* | 80.0113% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 4,510 |
| Loan loss allowance to noncurrent loans | 10.2473% | 6,816 |
| Noncurrent assets plus other real estate owned to assets | 11.7119% | 224 |
| Noncurrent loans to loans | 13.5676% | 163 |
| Net loans and leases to total assets | 85.1224% | 161 |
| Net loans and leases to deposits | 99.3039% | 491 |
| Net loans and leases to core deposits | 125.3119% | 284 |
| Total domestic deposits to total assets | 85.7191% | 3,476 |
| Equity capital to assets | 9.7921% | 4,451 |
| Core capital (leverage) ratio | 9.1579% | 4,535 |
| Tier 1 risk-based capital ratio | 13.1716% | 4,938 |
| Total risk-based capital ratio | 14.4266% | 4,911 |
| Memoranda: | ||
| Average total assets | $150,945,000 | 3,782 |
| Average earning assets | $140,557,200 | 3,734 |
| Average equity | $14,535,800 | 4,002 |
| Average total loans | $124,903,000 | 3,085 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 4,530 |
| Cost of funding earning assets | 0.9335% | 4,175 |
| Net interest margin | 3.7509% | 4,104 |
| Noninterest income to average assets | 0.2121% | 6,097 |
| Noninterest expense to average assets | 2.3739% | 5,835 |
| Loan and lease loss provision to assets | 0.2377% | 3,633 |
| Net operating income to assets | 1.0914% | 2,004 |
| Return on assets (ROA) | 1.0914% | 2,146 |
| Pretax return on assets | 1.0914% | 3,051 |
| Return on Equity (ROE) | 11.3810% | 1,731 |
| Retained earnings to average equity (ytd only) | 3.6713% | 4,141 |
| Net charge-offs to loans | 0.0118% | 5,986 |
| Credit loss provision to net charge-offs | 2,454.5455% | 110 |
| Earnings coverage of net charge-offs (x) | 137.2379% | 274 |
| Efficiency ratio | 64.1074% | 5,044 |
| Assets per employee ($millions) | 5.1016% | 2,066 |
| Cash dividends to net income (ytd only)* | 67.7419% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,900 |
| Loan loss allowance to noncurrent loans | 8.9617% | 6,909 |
| Noncurrent assets plus other real estate owned to assets | 11.9664% | 231 |
| Noncurrent loans to loans | 14.7777% | 145 |
| Net loans and leases to total assets | 79.9040% | 526 |
| Net loans and leases to deposits | 92.7200% | 945 |
| Net loans and leases to core deposits | 120.6248% | 373 |
| Total domestic deposits to total assets | 86.1778% | 3,107 |
| Equity capital to assets | 9.2614% | 5,436 |
| Core capital (leverage) ratio | 9.5253% | 4,114 |
| Tier 1 risk-based capital ratio | 13.4551% | 4,771 |
| Total risk-based capital ratio | 14.7093% | 4,734 |
| Memoranda: | ||
| Average total assets | $151,477,750 | 3,801 |
| Average earning assets | $140,975,000 | 3,744 |
| Average equity | $14,526,750 | 4,023 |
| Average total loans | $124,013,750 | 3,125 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6919% | 4,558 |
| Cost of funding earning assets | 0.9410% | 4,387 |
| Net interest margin | 3.7509% | 4,027 |
| Noninterest income to average assets | 0.2144% | 6,135 |
| Noninterest expense to average assets | 2.4120% | 5,806 |
| Loan and lease loss provision to assets | 0.2412% | 3,496 |
| Net operating income to assets | 1.0385% | 2,075 |
| Return on assets (ROA) | 1.0385% | 2,172 |
| Pretax return on assets | 1.0385% | 3,080 |
| Return on Equity (ROE) | 10.6995% | 1,899 |
| Retained earnings to average equity (ytd only) | 4.3212% | 3,444 |
| Net charge-offs to loans | 0.0179% | 5,587 |
| Credit loss provision to net charge-offs | 1,636.3636% | 212 |
| Earnings coverage of net charge-offs (x) | 86.8182% | 402 |
| Efficiency ratio | 65.3358% | 4,993 |
| Assets per employee ($millions) | 4.9067% | 2,248 |
| Cash dividends to net income (ytd only)* | 59.6129% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 5,050 |
| Loan loss allowance to noncurrent loans | 10.6091% | 6,938 |
| Noncurrent assets plus other real estate owned to assets | 9.9522% | 393 |
| Noncurrent loans to loans | 12.2814% | 236 |
| Net loans and leases to total assets | 79.9792% | 534 |
| Net loans and leases to deposits | 93.4441% | 913 |
| Net loans and leases to core deposits | 129.9014% | 275 |
| Total domestic deposits to total assets | 85.5904% | 3,568 |
| Equity capital to assets | 9.5775% | 4,695 |
| Core capital (leverage) ratio | 9.8276% | 3,482 |
| Tier 1 risk-based capital ratio | 13.6741% | 4,400 |
| Total risk-based capital ratio | 14.9279% | 4,372 |
| Memoranda: | ||
| Average total assets | $149,253,330 | 3,861 |
| Average earning assets | $138,366,000 | 3,821 |
| Average equity | $14,486,670 | 4,013 |
| Average total loans | $122,663,330 | 3,179 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 4,305 |
| Cost of funding earning assets | 0.9516% | 4,550 |
| Net interest margin | 3.7948% | 3,645 |
| Noninterest income to average assets | 0.2111% | 6,226 |
| Noninterest expense to average assets | 2.3974% | 5,889 |
| Loan and lease loss provision to assets | 0.2435% | 3,232 |
| Net operating income to assets | 1.0661% | 1,958 |
| Return on assets (ROA) | 1.0661% | 2,008 |
| Pretax return on assets | 1.0661% | 2,879 |
| Return on Equity (ROE) | 10.9096% | 1,770 |
| Retained earnings to average equity (ytd only) | 10.9096% | 916 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6715% | 5,246 |
| Assets per employee ($millions) | 4.9529% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 5,313 |
| Loan loss allowance to noncurrent loans | 12.2631% | 6,977 |
| Noncurrent assets plus other real estate owned to assets | 8.1099% | 581 |
| Noncurrent loans to loans | 10.3275% | 378 |
| Net loans and leases to total assets | 77.5329% | 799 |
| Net loans and leases to deposits | 90.7230% | 1,151 |
| Net loans and leases to core deposits | 131.8346% | 251 |
| Total domestic deposits to total assets | 85.4611% | 3,806 |
| Equity capital to assets | 9.5298% | 4,391 |
| Core capital (leverage) ratio | 9.7563% | 3,442 |
| Tier 1 risk-based capital ratio | 13.3311% | 4,554 |
| Total risk-based capital ratio | 14.5829% | 4,534 |
| Memoranda: | ||
| Average total assets | $147,826,500 | 3,916 |
| Average earning assets | $136,185,000 | 3,894 |
| Average equity | $14,446,000 | 4,008 |
| Average total loans | $122,365,000 | 3,210 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9121% | 4,964 |
| Cost of funding earning assets | 1.1231% | 5,011 |
| Net interest margin | 3.7890% | 3,992 |
| Noninterest income to average assets | 0.1757% | 6,480 |
| Noninterest expense to average assets | 2.4839% | 5,853 |
| Loan and lease loss provision to assets | 0.1778% | 5,446 |
| Net operating income to assets | 0.9888% | 2,075 |
| Return on assets (ROA) | 1.0488% | 1,977 |
| Pretax return on assets | 1.0488% | 2,780 |
| Return on Equity (ROE) | 10.9264% | 1,609 |
| Retained earnings to average equity (ytd only) | 7.3303% | 1,197 |
| Net charge-offs to loans | 0.0691% | 6,109 |
| Credit loss provision to net charge-offs | 310.9756% | 850 |
| Earnings coverage of net charge-offs (x) | 20.4024% | 1,005 |
| Efficiency ratio | 68.0420% | 4,555 |
| Assets per employee ($millions) | 4.5843% | 2,735 |
| Cash dividends to net income (ytd only)* | 32.9122% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,706 |
| Loan loss allowance to noncurrent loans | 10.7079% | 7,080 |
| Noncurrent assets plus other real estate owned to assets | 9.4432% | 460 |
| Noncurrent loans to loans | 10.8087% | 363 |
| Net loans and leases to total assets | 86.3552% | 172 |
| Net loans and leases to deposits | 102.3058% | 473 |
| Net loans and leases to core deposits | 157.9739% | 150 |
| Total domestic deposits to total assets | 84.4089% | 4,169 |
| Equity capital to assets | 10.0343% | 3,705 |
| Core capital (leverage) ratio | 9.1562% | 4,253 |
| Tier 1 risk-based capital ratio | 12.6642% | 4,882 |
| Total risk-based capital ratio | 13.9153% | 4,858 |
| Memoranda: | ||
| Average total assets | $143,404,600 | 3,995 |
| Average earning assets | $131,511,600 | 3,983 |
| Average equity | $13,764,800 | 4,193 |
| Average total loans | $118,740,200 | 3,333 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9012% | 5,260 |
| Cost of funding earning assets | 1.1405% | 5,200 |
| Net interest margin | 3.7607% | 4,135 |
| Noninterest income to average assets | 0.1753% | 6,629 |
| Noninterest expense to average assets | 2.4796% | 5,781 |
| Loan and lease loss provision to assets | 0.1902% | 5,143 |
| Net operating income to assets | 0.9499% | 2,412 |
| Return on assets (ROA) | 1.0297% | 2,245 |
| Pretax return on assets | 1.0297% | 3,073 |
| Return on Equity (ROE) | 10.8494% | 1,838 |
| Retained earnings to average equity (ytd only) | 6.0111% | 2,350 |
| Net charge-offs to loans | 0.0522% | 5,999 |
| Credit loss provision to net charge-offs | 445.6522% | 677 |
| Earnings coverage of net charge-offs (x) | 26.7182% | 952 |
| Efficiency ratio | 68.5033% | 4,374 |
| Assets per employee ($millions) | 4.8957% | 2,324 |
| Cash dividends to net income (ytd only)* | 44.5944% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 5,425 |
| Loan loss allowance to noncurrent loans | 12.5673% | 7,131 |
| Noncurrent assets plus other real estate owned to assets | 7.4608% | 706 |
| Noncurrent loans to loans | 9.6506% | 457 |
| Net loans and leases to total assets | 76.3717% | 1,337 |
| Net loans and leases to deposits | 89.3296% | 1,816 |
| Net loans and leases to core deposits | 142.0377% | 240 |
| Total domestic deposits to total assets | 85.4942% | 3,346 |
| Equity capital to assets | 9.1851% | 5,330 |
| Core capital (leverage) ratio | 9.1438% | 4,467 |
| Tier 1 risk-based capital ratio | 12.3571% | 5,110 |
| Total risk-based capital ratio | 13.6080% | 5,085 |
| Memoranda: | ||
| Average total assets | $143,727,500 | 4,043 |
| Average earning assets | $131,638,500 | 4,036 |
| Average equity | $13,641,000 | 4,292 |
| Average total loans | $117,385,500 | 3,414 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 5,507 |
| Cost of funding earning assets | 1.1652% | 5,312 |
| Net interest margin | 3.7093% | 4,317 |
| Noninterest income to average assets | 0.1787% | 6,629 |
| Noninterest expense to average assets | 2.5140% | 5,668 |
| Loan and lease loss provision to assets | 0.1631% | 5,257 |
| Net operating income to assets | 0.8962% | 2,566 |
| Return on assets (ROA) | 1.0167% | 2,203 |
| Pretax return on assets | 1.0167% | 3,055 |
| Return on Equity (ROE) | 10.5898% | 1,898 |
| Retained earnings to average equity (ytd only) | 6.0703% | 2,294 |
| Net charge-offs to loans | 0.0784% | 5,358 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 16.2391% | 1,410 |
| Efficiency ratio | 70.3571% | 4,119 |
| Assets per employee ($millions) | 4.8612% | 2,354 |
| Cash dividends to net income (ytd only)* | 42.6778% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 5,969 |
| Loan loss allowance to noncurrent loans | 10.1725% | 7,259 |
| Noncurrent assets plus other real estate owned to assets | 8.6957% | 522 |
| Noncurrent loans to loans | 10.7587% | 385 |
| Net loans and leases to total assets | 79.9397% | 808 |
| Net loans and leases to deposits | 93.9387% | 1,283 |
| Net loans and leases to core deposits | 146.5701% | 232 |
| Total domestic deposits to total assets | 85.0978% | 3,575 |
| Equity capital to assets | 9.2099% | 5,132 |
| Core capital (leverage) ratio | 9.2973% | 4,126 |
| Tier 1 risk-based capital ratio | 12.3017% | 5,040 |
| Total risk-based capital ratio | 13.5312% | 5,025 |
| Memoranda: | ||
| Average total assets | $141,047,670 | 4,118 |
| Average earning assets | $129,081,000 | 4,109 |
| Average equity | $13,541,330 | 4,306 |
| Average total loans | $117,404,000 | 3,451 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 5,473 |
| Cost of funding earning assets | 1.1978% | 5,418 |
| Net interest margin | 3.6994% | 4,246 |
| Noninterest income to average assets | 0.1938% | 6,577 |
| Noninterest expense to average assets | 2.6104% | 5,314 |
| Loan and lease loss provision to assets | 0.1615% | 4,912 |
| Net operating income to assets | 0.8046% | 2,941 |
| Return on assets (ROA) | 0.8046% | 3,039 |
| Pretax return on assets | 0.8046% | 3,848 |
| Return on Equity (ROE) | 8.1959% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.1959% | 1,624 |
| Net charge-offs to loans | 0.0799% | 4,622 |
| Credit loss provision to net charge-offs | 239.1304% | 1,607 |
| Earnings coverage of net charge-offs (x) | 14.3043% | 1,442 |
| Efficiency ratio | 72.9885% | 3,760 |
| Assets per employee ($millions) | 4.4262% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 5,917 |
| Loan loss allowance to noncurrent loans | 10.9654% | 7,313 |
| Noncurrent assets plus other real estate owned to assets | 8.6137% | 541 |
| Noncurrent loans to loans | 10.2110% | 410 |
| Net loans and leases to total assets | 83.4131% | 441 |
| Net loans and leases to deposits | 99.8988% | 760 |
| Net loans and leases to core deposits | 144.3534% | 286 |
| Total domestic deposits to total assets | 83.4977% | 4,388 |
| Equity capital to assets | 9.8746% | 4,027 |
| Core capital (leverage) ratio | 9.8307% | 3,368 |
| Tier 1 risk-based capital ratio | 13.2031% | 4,207 |
| Total risk-based capital ratio | 14.4535% | 4,158 |
| Memoranda: | ||
| Average total assets | $136,223,500 | 4,268 |
| Average earning assets | $124,562,000 | 4,267 |
| Average equity | $13,372,500 | 4,386 |
| Average total loans | $115,206,500 | 3,564 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 6,873 |
| Cost of funding earning assets | 1.4454% | 5,738 |
| Net interest margin | 3.3895% | 5,406 |
| Noninterest income to average assets | 0.1929% | 6,719 |
| Noninterest expense to average assets | 2.4973% | 6,137 |
| Loan and lease loss provision to assets | 0.2968% | 5,058 |
| Net operating income to assets | 0.4868% | 3,783 |
| Return on assets (ROA) | 0.4883% | 3,875 |
| Pretax return on assets | 0.4883% | 4,216 |
| Return on Equity (ROE) | 5.0101% | 3,660 |
| Retained earnings to average equity (ytd only) | 0.0756% | 4,860 |
| Net charge-offs to loans | 0.0312% | 6,813 |
| Credit loss provision to net charge-offs | 1,185.2941% | 259 |
| Earnings coverage of net charge-offs (x) | 31.2941% | 734 |
| Efficiency ratio | 76.1167% | 3,507 |
| Assets per employee ($millions) | 4.5079% | 2,909 |
| Cash dividends to net income (ytd only)* | 98.4917% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 5,888 |
| Loan loss allowance to noncurrent loans | 12.7125% | 7,318 |
| Noncurrent assets plus other real estate owned to assets | 7.3523% | 671 |
| Noncurrent loans to loans | 8.6713% | 543 |
| Net loans and leases to total assets | 83.8542% | 449 |
| Net loans and leases to deposits | 102.7025% | 714 |
| Net loans and leases to core deposits | 182.2259% | 151 |
| Total domestic deposits to total assets | 81.6476% | 5,087 |
| Equity capital to assets | 9.7578% | 4,054 |
| Core capital (leverage) ratio | 9.7843% | 3,345 |
| Tier 1 risk-based capital ratio | 12.3383% | 4,649 |
| Total risk-based capital ratio | 13.5452% | 4,653 |
| Memoranda: | ||
| Average total assets | $135,788,600 | 4,217 |
| Average earning assets | $123,706,800 | 4,224 |
| Average equity | $13,233,200 | 4,446 |
| Average total loans | $108,937,600 | 3,718 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 7,191 |
| Cost of funding earning assets | 1.4939% | 5,850 |
| Net interest margin | 3.2644% | 5,778 |
| Noninterest income to average assets | 0.1952% | 6,822 |
| Noninterest expense to average assets | 2.4689% | 6,180 |
| Loan and lease loss provision to assets | 0.3217% | 4,414 |
| Net operating income to assets | 0.3796% | 4,483 |
| Return on assets (ROA) | 0.3816% | 4,576 |
| Pretax return on assets | 0.3816% | 4,843 |
| Return on Equity (ROE) | 3.9166% | 4,405 |
| Retained earnings to average equity (ytd only) | 0.3423% | 5,057 |
| Net charge-offs to loans | 0.0496% | 6,225 |
| Credit loss provision to net charge-offs | 820.0000% | 468 |
| Earnings coverage of net charge-offs (x) | 17.8757% | 1,379 |
| Efficiency ratio | 77.8775% | 3,185 |
| Assets per employee ($millions) | 4.5720% | 2,747 |
| Cash dividends to net income (ytd only)* | 91.2600% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 5,920 |
| Loan loss allowance to noncurrent loans | 18.4555% | 7,171 |
| Noncurrent assets plus other real estate owned to assets | 4.6734% | 1,286 |
| Noncurrent loans to loans | 5.7847% | 1,051 |
| Net loans and leases to total assets | 79.9269% | 1,183 |
| Net loans and leases to deposits | 95.7659% | 1,608 |
| Net loans and leases to core deposits | 161.4869% | 360 |
| Total domestic deposits to total assets | 83.4608% | 3,983 |
| Equity capital to assets | 9.6552% | 4,549 |
| Core capital (leverage) ratio | 9.7369% | 3,590 |
| Tier 1 risk-based capital ratio | 12.3678% | 4,656 |
| Total risk-based capital ratio | 13.4981% | 4,690 |
| Memoranda: | ||
| Average total assets | $135,926,750 | 4,236 |
| Average earning assets | $123,880,500 | 4,250 |
| Average equity | $13,242,500 | 4,476 |
| Average total loans | $107,505,750 | 3,786 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 7,461 |
| Cost of funding earning assets | 1.5462% | 5,943 |
| Net interest margin | 3.1068% | 6,214 |
| Noninterest income to average assets | 0.2007% | 6,855 |
| Noninterest expense to average assets | 2.4794% | 6,181 |
| Loan and lease loss provision to assets | 0.3011% | 4,155 |
| Net operating income to assets | 0.2612% | 5,047 |
| Return on assets (ROA) | 0.2568% | 5,159 |
| Pretax return on assets | 0.2568% | 5,311 |
| Return on Equity (ROE) | 2.6279% | 5,043 |
| Retained earnings to average equity (ytd only) | -0.8156% | 5,433 |
| Net charge-offs to loans | 0.0752% | 5,456 |
| Credit loss provision to net charge-offs | 510.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 9.5250% | 2,114 |
| Efficiency ratio | 81.5138% | 2,793 |
| Assets per employee ($millions) | 4.5838% | 2,642 |
| Cash dividends to net income (ytd only)* | 131.0345% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 6,513 |
| Loan loss allowance to noncurrent loans | 12.5000% | 7,438 |
| Noncurrent assets plus other real estate owned to assets | 6.1608% | 779 |
| Noncurrent loans to loans | 7.6679% | 599 |
| Net loans and leases to total assets | 79.5752% | 1,382 |
| Net loans and leases to deposits | 95.2624% | 1,910 |
| Net loans and leases to core deposits | 156.1993% | 515 |
| Total domestic deposits to total assets | 83.5326% | 3,998 |
| Equity capital to assets | 9.5532% | 4,545 |
| Core capital (leverage) ratio | 9.4434% | 3,969 |
| Tier 1 risk-based capital ratio | 12.2097% | 4,744 |
| Total risk-based capital ratio | 13.2156% | 4,867 |
| Memoranda: | ||
| Average total assets | $135,516,000 | 4,271 |
| Average earning assets | $123,920,670 | 4,274 |
| Average equity | $13,242,330 | 4,479 |
| Average total loans | $106,404,330 | 3,844 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 7,697 |
| Cost of funding earning assets | 1.5673% | 6,169 |
| Net interest margin | 2.9535% | 6,603 |
| Noninterest income to average assets | 0.2171% | 6,738 |
| Noninterest expense to average assets | 2.4532% | 6,011 |
| Loan and lease loss provision to assets | 0.1784% | 4,675 |
| Net operating income to assets | 0.3033% | 5,288 |
| Return on assets (ROA) | 0.2944% | 5,491 |
| Pretax return on assets | 0.2944% | 5,694 |
| Return on Equity (ROE) | 2.9786% | 5,379 |
| Retained earnings to average equity (ytd only) | -0.7822% | 5,834 |
| Net charge-offs to loans | 0.0767% | 4,411 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 8.1000% | 2,238 |
| Efficiency ratio | 83.5866% | 2,346 |
| Assets per employee ($millions) | 4.3785% | 2,924 |
| Cash dividends to net income (ytd only)* | 126.2626% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 6,777 |
| Loan loss allowance to noncurrent loans | 14.6299% | 7,410 |
| Noncurrent assets plus other real estate owned to assets | 4.2930% | 1,156 |
| Noncurrent loans to loans | 6.1089% | 774 |
| Net loans and leases to total assets | 69.6465% | 3,767 |
| Net loans and leases to deposits | 82.2997% | 4,235 |
| Net loans and leases to core deposits | 130.6724% | 1,619 |
| Total domestic deposits to total assets | 84.6254% | 3,406 |
| Equity capital to assets | 8.9045% | 5,471 |
| Core capital (leverage) ratio | 9.8512% | 3,581 |
| Tier 1 risk-based capital ratio | 12.2729% | 4,726 |
| Total risk-based capital ratio | 13.1637% | 4,941 |
| Memoranda: | ||
| Average total assets | $134,517,000 | 4,315 |
| Average earning assets | $123,783,500 | 4,290 |
| Average equity | $13,295,000 | 4,508 |
| Average total loans | $104,363,500 | 3,923 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9134% | 5,970 |
| Cost of funding earning assets | 2.4224% | 4,622 |
| Net interest margin | 3.4910% | 5,327 |
| Noninterest income to average assets | 0.2194% | 6,874 |
| Noninterest expense to average assets | 2.5795% | 5,722 |
| Loan and lease loss provision to assets | 0.1360% | 5,621 |
| Net operating income to assets | 0.7208% | 3,799 |
| Return on assets (ROA) | 0.7208% | 3,629 |
| Pretax return on assets | 0.7208% | 4,334 |
| Return on Equity (ROE) | 6.1160% | 3,896 |
| Retained earnings to average equity (ytd only) | 1.3540% | 4,408 |
| Net charge-offs to loans | 0.3034% | 3,369 |
| Credit loss provision to net charge-offs | 52.2648% | 6,328 |
| Earnings coverage of net charge-offs (x) | 3.2927% | 4,436 |
| Efficiency ratio | 75.0660% | 3,390 |
| Assets per employee ($millions) | 3.7552% | 4,051 |
| Cash dividends to net income (ytd only)* | 77.8616% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 6,855 |
| Loan loss allowance to noncurrent loans | 14.2425% | 7,419 |
| Noncurrent assets plus other real estate owned to assets | 5.2295% | 643 |
| Noncurrent loans to loans | 6.0359% | 587 |
| Net loans and leases to total assets | 85.8944% | 619 |
| Net loans and leases to deposits | 109.2268% | 886 |
| Net loans and leases to core deposits | 141.2704% | 1,199 |
| Total domestic deposits to total assets | 78.6385% | 5,506 |
| Equity capital to assets | 11.0964% | 2,965 |
| Core capital (leverage) ratio | 11.1319% | 2,483 |
| Tier 1 risk-based capital ratio | 13.1470% | 4,034 |
| Total risk-based capital ratio | 14.0586% | 4,142 |
| Memoranda: | ||
| Average total assets | $110,294,600 | 4,770 |
| Average earning assets | $101,633,400 | 4,763 |
| Average equity | $12,998,600 | 4,578 |
| Average total loans | $94,594,600 | 4,093 |