Home > United State Bank > Performance and Condition Ratios
United State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8559% | 768 |
| Cost of funding earning assets | 1.8250% | 1,207 |
| Net interest margin | 4.0309% | 1,159 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.3694% | 2,667 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 1.6848% | 757 |
| Return on assets (ROA) | 1.6848% | 727 |
| Pretax return on assets | 1.7185% | 1,028 |
| Return on Equity (ROE) | 19.7700% | 635 |
| Retained earnings to average equity (ytd only) | 4.4908% | 2,794 |
| Net charge-offs to loans | -0.0350% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.9918% | 3,397 |
| Assets per employee ($millions) | 4.9887% | 3,642 |
| Cash dividends to net income (ytd only)* | 77.2895% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 1,333 |
| Loan loss allowance to noncurrent loans | 5,525.0000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,590 |
| Noncurrent loans to loans | 0.0256% | 3,562 |
| Net loans and leases to total assets | 74.3100% | 1,312 |
| Net loans and leases to deposits | 81.5998% | 1,982 |
| Net loans and leases to core deposits | 88.7824% | 2,133 |
| Total domestic deposits to total assets | 91.0700% | 487 |
| Equity capital to assets | 8.1964% | 3,282 |
| Core capital (leverage) ratio | 8.5097% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4287% | 2,440 |
| Memoranda: | ||
| Average total assets | $257,956,000 | 2,633 |
| Average earning assets | $236,873,000 | 2,646 |
| Average equity | $21,978,200 | 2,698 |
| Average total loans | $197,112,800 | 2,303 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7193% | 767 |
| Cost of funding earning assets | 1.6414% | 1,299 |
| Net interest margin | 4.0779% | 1,100 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.3107% | 2,758 |
| Loan and lease loss provision to assets | -0.1300% | 4,559 |
| Net operating income to assets | 1.8884% | 572 |
| Return on assets (ROA) | 1.8884% | 560 |
| Pretax return on assets | 1.9239% | 835 |
| Return on Equity (ROE) | 21.9400% | 562 |
| Retained earnings to average equity (ytd only) | 14.7282% | 589 |
| Net charge-offs to loans | -0.0218% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.4900% | 3,550 |
| Assets per employee ($millions) | 4.8125% | 3,728 |
| Cash dividends to net income (ytd only)* | 32.8813% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 1,638 |
| Loan loss allowance to noncurrent loans | 1,486.9565% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 3,143 |
| Noncurrent loans to loans | 0.0911% | 3,123 |
| Net loans and leases to total assets | 75.3100% | 1,198 |
| Net loans and leases to deposits | 82.9694% | 1,828 |
| Net loans and leases to core deposits | 90.2403% | 1,915 |
| Total domestic deposits to total assets | 90.7700% | 728 |
| Equity capital to assets | 8.6487% | 2,630 |
| Core capital (leverage) ratio | 9.2189% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3392% | 2,142 |
| Memoranda: | ||
| Average total assets | $255,098,000 | 2,658 |
| Average earning assets | $235,244,000 | 2,664 |
| Average equity | $21,952,750 | 2,681 |
| Average total loans | $195,627,000 | 2,319 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5225% | 804 |
| Cost of funding earning assets | 1.4066% | 1,431 |
| Net interest margin | 4.1159% | 1,060 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.4391% | 2,377 |
| Loan and lease loss provision to assets | -0.1900% | 4,606 |
| Net operating income to assets | 1.9381% | 521 |
| Return on assets (ROA) | 1.9381% | 520 |
| Pretax return on assets | 1.9762% | 775 |
| Return on Equity (ROE) | 22.5600% | 508 |
| Retained earnings to average equity (ytd only) | 15.2405% | 541 |
| Net charge-offs to loans | -0.0382% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.0233% | 3,412 |
| Assets per employee ($millions) | 4.5369% | 3,925 |
| Cash dividends to net income (ytd only)* | 32.4457% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 1,297 |
| Loan loss allowance to noncurrent loans | 57,100.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 3,886 |
| Noncurrent loans to loans | 0.0026% | 3,816 |
| Net loans and leases to total assets | 73.0500% | 1,403 |
| Net loans and leases to deposits | 80.2184% | 1,956 |
| Net loans and leases to core deposits | 86.0560% | 2,066 |
| Total domestic deposits to total assets | 91.0600% | 632 |
| Equity capital to assets | 8.5088% | 2,855 |
| Core capital (leverage) ratio | 9.1389% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5061% | 2,092 |
| Memoranda: | ||
| Average total assets | $251,901,333 | 2,683 |
| Average earning assets | $233,044,667 | 2,688 |
| Average equity | $21,639,667 | 2,727 |
| Average total loans | $193,474,333 | 2,331 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5772% | 551 |
| Cost of funding earning assets | 1.1772% | 1,513 |
| Net interest margin | 4.4000% | 684 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.5093% | 2,225 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.8629% | 604 |
| Return on assets (ROA) | 1.8629% | 594 |
| Pretax return on assets | 1.9100% | 898 |
| Return on Equity (ROE) | 21.5800% | 614 |
| Retained earnings to average equity (ytd only) | 14.1268% | 921 |
| Net charge-offs to loans | -0.0540% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.9015% | 3,609 |
| Assets per employee ($millions) | 4.8451% | 3,767 |
| Cash dividends to net income (ytd only)* | 34.5248% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,004 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 74.6700% | 1,119 |
| Net loans and leases to deposits | 82.2042% | 1,641 |
| Net loans and leases to core deposits | 87.1703% | 1,791 |
| Total domestic deposits to total assets | 90.8300% | 852 |
| Equity capital to assets | 8.6383% | 2,794 |
| Core capital (leverage) ratio | 9.1222% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1882% | 2,310 |
| Memoranda: | ||
| Average total assets | $246,282,500 | 2,747 |
| Average earning assets | $227,998,000 | 2,753 |
| Average equity | $21,264,500 | 2,774 |
| Average total loans | $192,671,500 | 2,359 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 1,335 |
| Cost of funding earning assets | 0.4183% | 1,953 |
| Net interest margin | 3.7381% | 1,291 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.2141% | 2,991 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.4190% | 1,080 |
| Return on assets (ROA) | 1.4190% | 1,043 |
| Pretax return on assets | 1.4515% | 1,607 |
| Return on Equity (ROE) | 16.8100% | 891 |
| Retained earnings to average equity (ytd only) | 2.7179% | 3,797 |
| Net charge-offs to loans | -0.0642% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.3191% | 3,652 |
| Assets per employee ($millions) | 4.3749% | 4,099 |
| Cash dividends to net income (ytd only)* | 83.8286% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7748% | 693 |
| Loan loss allowance to noncurrent loans | 226.7105% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 789 |
| Noncurrent loans to loans | 0.7828% | 950 |
| Net loans and leases to total assets | 79.2600% | 676 |
| Net loans and leases to deposits | 89.1311% | 1,107 |
| Net loans and leases to core deposits | 92.2034% | 1,376 |
| Total domestic deposits to total assets | 88.9300% | 1,740 |
| Equity capital to assets | 8.6299% | 2,610 |
| Core capital (leverage) ratio | 8.7930% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2944% | 2,651 |
| Memoranda: | ||
| Average total assets | $246,644,200 | 2,748 |
| Average earning assets | $228,323,800 | 2,749 |
| Average equity | $20,824,600 | 2,875 |
| Average total loans | $179,139,600 | 2,382 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9131% | 1,453 |
| Cost of funding earning assets | 0.2981% | 2,188 |
| Net interest margin | 3.6151% | 1,360 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.1546% | 3,058 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.3749% | 1,156 |
| Return on assets (ROA) | 1.3749% | 1,127 |
| Pretax return on assets | 1.4066% | 1,694 |
| Return on Equity (ROE) | 16.3700% | 911 |
| Retained earnings to average equity (ytd only) | 3.1862% | 3,728 |
| Net charge-offs to loans | -0.0373% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.5030% | 3,675 |
| Assets per employee ($millions) | 4.4916% | 4,061 |
| Cash dividends to net income (ytd only)* | 80.5393% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7131% | 852 |
| Loan loss allowance to noncurrent loans | 138.8650% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 485 |
| Noncurrent loans to loans | 1.2337% | 590 |
| Net loans and leases to total assets | 75.0100% | 1,011 |
| Net loans and leases to deposits | 82.0826% | 1,440 |
| Net loans and leases to core deposits | 84.1559% | 1,640 |
| Total domestic deposits to total assets | 91.3900% | 1,082 |
| Equity capital to assets | 8.3229% | 2,662 |
| Core capital (leverage) ratio | 8.4525% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7453% | 2,573 |
| Memoranda: | ||
| Average total assets | $248,150,750 | 2,761 |
| Average earning assets | $229,920,500 | 2,761 |
| Average equity | $20,839,500 | 2,919 |
| Average total loans | $175,383,000 | 2,418 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 1,618 |
| Cost of funding earning assets | 0.2527% | 2,231 |
| Net interest margin | 3.4182% | 1,544 |
| Noninterest income to average assets | 0.4595% | 2,399 |
| Noninterest expense to average assets | 2.1374% | 3,036 |
| Loan and lease loss provision to assets | 0.1931% | 446 |
| Net operating income to assets | 1.2659% | 1,235 |
| Return on assets (ROA) | 1.2659% | 1,217 |
| Pretax return on assets | 1.2965% | 1,763 |
| Return on Equity (ROE) | 15.0294% | 883 |
| Retained earnings to average equity (ytd only) | -1.2899% | 4,322 |
| Net charge-offs to loans | -0.0047% | 3,313 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9115% | 3,689 |
| Assets per employee ($millions) | 4.3059% | 4,201 |
| Cash dividends to net income (ytd only)* | 108.5823% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 969 |
| Loan loss allowance to noncurrent loans | 198.1314% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 890 |
| Noncurrent loans to loans | 0.8546% | 999 |
| Net loans and leases to total assets | 71.4886% | 1,163 |
| Net loans and leases to deposits | 77.9811% | 1,542 |
| Net loans and leases to core deposits | 79.5028% | 1,747 |
| Total domestic deposits to total assets | 91.6742% | 978 |
| Equity capital to assets | 8.0924% | 3,044 |
| Core capital (leverage) ratio | 8.3371% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7886% | 2,575 |
| Memoranda: | ||
| Average total assets | $248,521,000 | 2,785 |
| Average earning assets | $230,293,333 | 2,794 |
| Average equity | $20,932,333 | 2,977 |
| Average total loans | $170,996,333 | 2,455 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5134% | 1,767 |
| Cost of funding earning assets | 0.2543% | 2,111 |
| Net interest margin | 3.2591% | 1,686 |
| Noninterest income to average assets | 0.4373% | 2,458 |
| Noninterest expense to average assets | 2.0685% | 3,256 |
| Loan and lease loss provision to assets | 0.1452% | 552 |
| Net operating income to assets | 1.2133% | 1,215 |
| Return on assets (ROA) | 1.2133% | 1,204 |
| Pretax return on assets | 1.2424% | 1,676 |
| Return on Equity (ROE) | 14.1264% | 812 |
| Retained earnings to average equity (ytd only) | 7.4765% | 1,739 |
| Net charge-offs to loans | -0.0072% | 3,473 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7031% | 3,710 |
| Assets per employee ($millions) | 4.4003% | 4,196 |
| Cash dividends to net income (ytd only)* | 47.0745% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 970 |
| Loan loss allowance to noncurrent loans | 244.6862% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 1,246 |
| Noncurrent loans to loans | 0.7138% | 1,329 |
| Net loans and leases to total assets | 66.7519% | 1,335 |
| Net loans and leases to deposits | 72.9590% | 1,701 |
| Net loans and leases to core deposits | 74.3020% | 1,917 |
| Total domestic deposits to total assets | 91.4924% | 807 |
| Equity capital to assets | 8.3291% | 3,303 |
| Core capital (leverage) ratio | 8.0282% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0512% | 2,588 |
| Memoranda: | ||
| Average total assets | $247,910,500 | 2,799 |
| Average earning assets | $229,633,500 | 2,811 |
| Average equity | $21,293,500 | 3,032 |
| Average total loans | $165,688,500 | 2,502 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 1,255 |
| Cost of funding earning assets | 0.3416% | 2,011 |
| Net interest margin | 3.7043% | 1,201 |
| Noninterest income to average assets | 0.3154% | 3,521 |
| Noninterest expense to average assets | 2.1461% | 3,247 |
| Loan and lease loss provision to assets | 0.2487% | 377 |
| Net operating income to assets | 1.3404% | 1,473 |
| Return on assets (ROA) | 1.3139% | 1,605 |
| Pretax return on assets | 1.3139% | 2,318 |
| Return on Equity (ROE) | 14.9230% | 969 |
| Retained earnings to average equity (ytd only) | 7.9134% | 1,576 |
| Net charge-offs to loans | 0.0795% | 1,010 |
| Credit loss provision to net charge-offs | 491.8033% | 812 |
| Earnings coverage of net charge-offs (x) | 31.4262% | 1,577 |
| Efficiency ratio | 55.4372% | 3,766 |
| Assets per employee ($millions) | 4.4537% | 4,150 |
| Cash dividends to net income (ytd only)* | 46.9716% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7266% | 990 |
| Loan loss allowance to noncurrent loans | 232.0492% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 1,363 |
| Noncurrent loans to loans | 0.7441% | 1,369 |
| Net loans and leases to total assets | 64.6076% | 1,638 |
| Net loans and leases to deposits | 71.1383% | 2,003 |
| Net loans and leases to core deposits | 72.4376% | 2,218 |
| Total domestic deposits to total assets | 90.8198% | 574 |
| Equity capital to assets | 8.8462% | 3,766 |
| Core capital (leverage) ratio | 8.4438% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2185% | 2,558 |
| Memoranda: | ||
| Average total assets | $241,275,200 | 2,784 |
| Average earning assets | $222,743,800 | 2,789 |
| Average equity | $21,242,400 | 3,117 |
| Average total loans | $153,461,000 | 2,600 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 1,541 |
| Cost of funding earning assets | 0.3601% | 2,021 |
| Net interest margin | 3.6351% | 1,505 |
| Noninterest income to average assets | 0.2876% | 3,734 |
| Noninterest expense to average assets | 2.1390% | 3,248 |
| Loan and lease loss provision to assets | 0.2508% | 366 |
| Net operating income to assets | 1.2579% | 1,959 |
| Return on assets (ROA) | 1.2222% | 2,150 |
| Pretax return on assets | 1.2155% | 2,881 |
| Return on Equity (ROE) | 13.9046% | 1,419 |
| Retained earnings to average equity (ytd only) | 7.5451% | 2,204 |
| Net charge-offs to loans | 0.0053% | 2,139 |
| Credit loss provision to net charge-offs | 7,500.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 449.1667% | 328 |
| Efficiency ratio | 56.6355% | 3,456 |
| Assets per employee ($millions) | 4.1922% | 4,335 |
| Cash dividends to net income (ytd only)* | 45.7364% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 844 |
| Loan loss allowance to noncurrent loans | 217.1584% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 1,443 |
| Noncurrent loans to loans | 0.8523% | 1,342 |
| Net loans and leases to total assets | 60.9995% | 2,134 |
| Net loans and leases to deposits | 67.3045% | 2,509 |
| Net loans and leases to core deposits | 68.6637% | 2,718 |
| Total domestic deposits to total assets | 90.6320% | 494 |
| Equity capital to assets | 8.9456% | 3,879 |
| Core capital (leverage) ratio | 8.2292% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9897% | 2,369 |
| Memoranda: | ||
| Average total assets | $239,233,500 | 2,822 |
| Average earning assets | $220,695,500 | 2,831 |
| Average equity | $21,028,500 | 3,163 |
| Average total loans | $150,834,500 | 2,663 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9329% | 1,733 |
| Cost of funding earning assets | 0.3878% | 1,988 |
| Net interest margin | 3.5451% | 1,734 |
| Noninterest income to average assets | 0.2623% | 3,823 |
| Noninterest expense to average assets | 2.0889% | 3,419 |
| Loan and lease loss provision to assets | 0.2522% | 388 |
| Net operating income to assets | 1.1995% | 2,191 |
| Return on assets (ROA) | 1.1457% | 2,444 |
| Pretax return on assets | 1.1255% | 3,127 |
| Return on Equity (ROE) | 13.1135% | 1,670 |
| Retained earnings to average equity (ytd only) | 6.5904% | 2,586 |
| Net charge-offs to loans | 0.0133% | 1,684 |
| Credit loss provision to net charge-offs | 3,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 170.3000% | 549 |
| Efficiency ratio | 57.1394% | 3,385 |
| Assets per employee ($millions) | 4.6392% | 3,980 |
| Cash dividends to net income (ytd only)* | 49.7432% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 961 |
| Loan loss allowance to noncurrent loans | 201.7557% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 1,562 |
| Noncurrent loans to loans | 0.8701% | 1,409 |
| Net loans and leases to total assets | 60.1574% | 2,408 |
| Net loans and leases to deposits | 66.1821% | 2,808 |
| Net loans and leases to core deposits | 67.4952% | 2,996 |
| Total domestic deposits to total assets | 90.8968% | 407 |
| Equity capital to assets | 8.6245% | 4,109 |
| Core capital (leverage) ratio | 8.0904% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7947% | 2,434 |
| Memoranda: | ||
| Average total assets | $237,928,667 | 2,823 |
| Average earning assets | $218,669,667 | 2,837 |
| Average equity | $20,787,667 | 3,176 |
| Average total loans | $150,740,667 | 2,679 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7669% | 2,200 |
| Cost of funding earning assets | 0.4372% | 1,819 |
| Net interest margin | 3.3297% | 2,300 |
| Noninterest income to average assets | 0.0633% | 4,814 |
| Noninterest expense to average assets | 2.1235% | 3,350 |
| Loan and lease loss provision to assets | 0.2565% | 401 |
| Net operating income to assets | 0.7796% | 3,484 |
| Return on assets (ROA) | 0.7796% | 3,551 |
| Pretax return on assets | 0.7301% | 3,959 |
| Return on Equity (ROE) | 8.8636% | 3,082 |
| Retained earnings to average equity (ytd only) | 1.9827% | 4,010 |
| Net charge-offs to loans | 0.0451% | 1,029 |
| Credit loss provision to net charge-offs | 882.3529% | 448 |
| Earnings coverage of net charge-offs (x) | 33.9412% | 1,043 |
| Efficiency ratio | 65.7504% | 2,262 |
| Assets per employee ($millions) | 4.5422% | 4,069 |
| Cash dividends to net income (ytd only)* | 77.6316% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6569% | 1,151 |
| Loan loss allowance to noncurrent loans | 120.9732% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 1,041 |
| Noncurrent loans to loans | 1.3697% | 930 |
| Net loans and leases to total assets | 61.2913% | 2,368 |
| Net loans and leases to deposits | 67.4767% | 2,753 |
| Net loans and leases to core deposits | 69.4411% | 2,910 |
| Total domestic deposits to total assets | 90.8332% | 458 |
| Equity capital to assets | 8.5678% | 4,069 |
| Core capital (leverage) ratio | 8.1737% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9195% | 2,698 |
| Memoranda: | ||
| Average total assets | $233,953,000 | 2,834 |
| Average earning assets | $214,073,000 | 2,863 |
| Average equity | $20,578,500 | 3,191 |
| Average total loans | $150,832,000 | 2,679 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6366% | 1,027 |
| Cost of funding earning assets | 0.7566% | 1,415 |
| Net interest margin | 3.8799% | 1,275 |
| Noninterest income to average assets | 0.3893% | 3,157 |
| Noninterest expense to average assets | 2.3147% | 3,368 |
| Loan and lease loss provision to assets | 0.2359% | 1,648 |
| Net operating income to assets | 1.3623% | 1,101 |
| Return on assets (ROA) | 1.3623% | 1,193 |
| Pretax return on assets | 1.3971% | 1,663 |
| Return on Equity (ROE) | 14.0673% | 801 |
| Retained earnings to average equity (ytd only) | 6.5305% | 1,581 |
| Net charge-offs to loans | 0.3117% | 567 |
| Credit loss provision to net charge-offs | 104.7836% | 2,772 |
| Earnings coverage of net charge-offs (x) | 7.2528% | 2,711 |
| Efficiency ratio | 57.8667% | 3,740 |
| Assets per employee ($millions) | 4.4543% | 3,964 |
| Cash dividends to net income (ytd only)* | 53.5768% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5512% | 1,421 |
| Loan loss allowance to noncurrent loans | 204.8780% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 911 |
| Noncurrent loans to loans | 0.7571% | 1,812 |
| Net loans and leases to total assets | 65.7111% | 2,133 |
| Net loans and leases to deposits | 72.6256% | 2,623 |
| Net loans and leases to core deposits | 75.0626% | 2,812 |
| Total domestic deposits to total assets | 90.4793% | 385 |
| Equity capital to assets | 9.0378% | 4,018 |
| Core capital (leverage) ratio | 8.2492% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8082% | 2,697 |
| Memoranda: | ||
| Average total assets | $194,968,600 | 2,984 |
| Average earning assets | $178,818,000 | 3,009 |
| Average equity | $18,880,600 | 3,290 |
| Average total loans | $140,855,400 | 2,745 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 903 |
| Cost of funding earning assets | 0.8357% | 1,332 |
| Net interest margin | 3.9495% | 1,237 |
| Noninterest income to average assets | 0.4180% | 2,991 |
| Noninterest expense to average assets | 2.2769% | 3,477 |
| Loan and lease loss provision to assets | 0.2424% | 1,679 |
| Net operating income to assets | 1.4466% | 1,003 |
| Return on assets (ROA) | 1.4466% | 1,094 |
| Pretax return on assets | 1.5293% | 1,380 |
| Return on Equity (ROE) | 14.6412% | 753 |
| Retained earnings to average equity (ytd only) | 7.1834% | 1,622 |
| Net charge-offs to loans | 0.0869% | 1,436 |
| Credit loss provision to net charge-offs | 377.7778% | 1,525 |
| Earnings coverage of net charge-offs (x) | 27.6000% | 1,659 |
| Efficiency ratio | 55.7611% | 3,949 |
| Assets per employee ($millions) | 4.3695% | 3,986 |
| Cash dividends to net income (ytd only)* | 50.9369% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8181% | 693 |
| Loan loss allowance to noncurrent loans | 78.5041% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.7107% | 453 |
| Noncurrent loans to loans | 2.3160% | 477 |
| Net loans and leases to total assets | 72.5225% | 1,586 |
| Net loans and leases to deposits | 83.1530% | 2,001 |
| Net loans and leases to core deposits | 86.6171% | 2,264 |
| Total domestic deposits to total assets | 87.2157% | 1,570 |
| Equity capital to assets | 9.8835% | 3,351 |
| Core capital (leverage) ratio | 10.2821% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4317% | 2,446 |
| Memoranda: | ||
| Average total assets | $186,919,000 | 3,039 |
| Average earning assets | $171,831,250 | 3,038 |
| Average equity | $18,468,000 | 3,318 |
| Average total loans | $138,162,750 | 2,776 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0391% | 774 |
| Cost of funding earning assets | 0.9398% | 1,190 |
| Net interest margin | 4.0992% | 1,115 |
| Noninterest income to average assets | 0.4570% | 2,779 |
| Noninterest expense to average assets | 2.2772% | 3,583 |
| Loan and lease loss provision to assets | 0.2377% | 1,776 |
| Net operating income to assets | 1.6204% | 727 |
| Return on assets (ROA) | 1.6204% | 799 |
| Pretax return on assets | 1.7068% | 987 |
| Return on Equity (ROE) | 16.4024% | 501 |
| Retained earnings to average equity (ytd only) | 8.1028% | 1,268 |
| Net charge-offs to loans | 0.0234% | 2,248 |
| Credit loss provision to net charge-offs | 1,375.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 653 |
| Efficiency ratio | 53.4289% | 4,240 |
| Assets per employee ($millions) | 4.4105% | 3,897 |
| Cash dividends to net income (ytd only)* | 50.6000% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7870% | 677 |
| Loan loss allowance to noncurrent loans | 147.3562% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.8868% | 1,386 |
| Noncurrent loans to loans | 1.2127% | 1,296 |
| Net loans and leases to total assets | 71.8211% | 1,746 |
| Net loans and leases to deposits | 82.5834% | 2,139 |
| Net loans and leases to core deposits | 87.0599% | 2,347 |
| Total domestic deposits to total assets | 86.9679% | 1,633 |
| Equity capital to assets | 9.6630% | 3,515 |
| Core capital (leverage) ratio | 9.9461% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1827% | 2,533 |
| Memoranda: | ||
| Average total assets | $185,139,000 | 3,037 |
| Average earning assets | $170,031,667 | 3,046 |
| Average equity | $18,290,000 | 3,335 |
| Average total loans | $136,879,333 | 2,785 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 785 |
| Cost of funding earning assets | 1.0515% | 1,212 |
| Net interest margin | 4.0538% | 1,242 |
| Noninterest income to average assets | 0.4383% | 2,858 |
| Noninterest expense to average assets | 2.3445% | 3,670 |
| Loan and lease loss provision to assets | 0.2214% | 1,395 |
| Net operating income to assets | 1.4855% | 810 |
| Return on assets (ROA) | 1.4855% | 884 |
| Pretax return on assets | 1.5851% | 1,099 |
| Return on Equity (ROE) | 14.8624% | 564 |
| Retained earnings to average equity (ytd only) | 8.2397% | 1,159 |
| Net charge-offs to loans | -0.0298% | 4,469 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8400% | 4,220 |
| Assets per employee ($millions) | 4.0965% | 3,789 |
| Cash dividends to net income (ytd only)* | 44.5604% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 701 |
| Loan loss allowance to noncurrent loans | 135.2159% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 1,317 |
| Noncurrent loans to loans | 1.3348% | 1,214 |
| Net loans and leases to total assets | 73.7082% | 1,660 |
| Net loans and leases to deposits | 83.2655% | 2,307 |
| Net loans and leases to core deposits | 88.5223% | 2,483 |
| Total domestic deposits to total assets | 88.5218% | 875 |
| Equity capital to assets | 10.1511% | 3,650 |
| Core capital (leverage) ratio | 9.9241% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5963% | 2,888 |
| Memoranda: | ||
| Average total assets | $180,678,500 | 3,040 |
| Average earning assets | $165,475,000 | 3,058 |
| Average equity | $18,059,000 | 3,359 |
| Average total loans | $134,363,000 | 2,787 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1689% | 1,066 |
| Cost of funding earning assets | 1.2845% | 798 |
| Net interest margin | 3.8844% | 2,229 |
| Noninterest income to average assets | 0.4589% | 2,956 |
| Noninterest expense to average assets | 2.2374% | 4,087 |
| Loan and lease loss provision to assets | 0.1500% | 1,422 |
| Net operating income to assets | 1.5374% | 969 |
| Return on assets (ROA) | 1.5385% | 1,023 |
| Pretax return on assets | 1.6362% | 1,383 |
| Return on Equity (ROE) | 16.2382% | 512 |
| Retained earnings to average equity (ytd only) | 7.7819% | 1,048 |
| Net charge-offs to loans | 0.0191% | 3,043 |
| Credit loss provision to net charge-offs | 1,038.4615% | 331 |
| Earnings coverage of net charge-offs (x) | 123.5769% | 571 |
| Efficiency ratio | 54.7652% | 4,348 |
| Assets per employee ($millions) | 4.0247% | 3,870 |
| Cash dividends to net income (ytd only)* | 52.0766% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 723 |
| Loan loss allowance to noncurrent loans | 357.6687% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 2,962 |
| Noncurrent loans to loans | 0.4887% | 2,726 |
| Net loans and leases to total assets | 72.3843% | 2,027 |
| Net loans and leases to deposits | 81.5679% | 2,609 |
| Net loans and leases to core deposits | 89.3578% | 2,480 |
| Total domestic deposits to total assets | 88.7412% | 773 |
| Equity capital to assets | 9.8398% | 4,067 |
| Core capital (leverage) ratio | 9.5808% | 3,983 |
| Tier 1 risk-based capital ratio | 11.3225% | 4,723 |
| Total risk-based capital ratio | 12.5752% | 4,606 |
| Memoranda: | ||
| Average total assets | $179,986,200 | 3,022 |
| Average earning assets | $165,121,400 | 3,038 |
| Average equity | $17,052,400 | 3,428 |
| Average total loans | $136,066,000 | 2,767 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1506% | 1,153 |
| Cost of funding earning assets | 1.2947% | 801 |
| Net interest margin | 3.8559% | 2,415 |
| Noninterest income to average assets | 0.4585% | 2,967 |
| Noninterest expense to average assets | 2.2496% | 4,071 |
| Loan and lease loss provision to assets | 0.1335% | 1,441 |
| Net operating income to assets | 1.5181% | 1,141 |
| Return on assets (ROA) | 1.5195% | 1,193 |
| Pretax return on assets | 1.6167% | 1,580 |
| Return on Equity (ROE) | 16.1955% | 580 |
| Retained earnings to average equity (ytd only) | 8.1689% | 1,325 |
| Net charge-offs to loans | 0.0068% | 3,132 |
| Credit loss provision to net charge-offs | 2,571.4286% | 155 |
| Earnings coverage of net charge-offs (x) | 336.8264% | 290 |
| Efficiency ratio | 55.4092% | 4,230 |
| Assets per employee ($millions) | 4.0827% | 3,788 |
| Cash dividends to net income (ytd only)* | 49.5605% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 902 |
| Loan loss allowance to noncurrent loans | 285.4798% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 1,704 |
| Noncurrent loans to loans | 0.5782% | 2,559 |
| Net loans and leases to total assets | 73.3195% | 1,941 |
| Net loans and leases to deposits | 82.3107% | 2,648 |
| Net loans and leases to core deposits | 92.5712% | 2,310 |
| Total domestic deposits to total assets | 89.0764% | 588 |
| Equity capital to assets | 9.5585% | 4,415 |
| Core capital (leverage) ratio | 9.5120% | 4,153 |
| Tier 1 risk-based capital ratio | 11.0527% | 4,888 |
| Total risk-based capital ratio | 12.3049% | 4,778 |
| Memoranda: | ||
| Average total assets | $179,705,000 | 3,047 |
| Average earning assets | $164,972,000 | 3,069 |
| Average equity | $16,860,250 | 3,473 |
| Average total loans | $136,725,500 | 2,781 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 1,273 |
| Cost of funding earning assets | 1.2927% | 757 |
| Net interest margin | 3.7865% | 2,624 |
| Noninterest income to average assets | 0.4721% | 2,825 |
| Noninterest expense to average assets | 2.2336% | 4,162 |
| Loan and lease loss provision to assets | 0.1009% | 1,857 |
| Net operating income to assets | 1.5160% | 1,107 |
| Return on assets (ROA) | 1.5160% | 1,154 |
| Pretax return on assets | 1.6158% | 1,498 |
| Return on Equity (ROE) | 16.2630% | 553 |
| Retained earnings to average equity (ytd only) | 8.1195% | 1,340 |
| Net charge-offs to loans | 0.0659% | 1,713 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 34.0222% | 1,370 |
| Efficiency ratio | 55.6628% | 4,287 |
| Assets per employee ($millions) | 4.1305% | 3,684 |
| Cash dividends to net income (ytd only)* | 50.0740% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 1,213 |
| Loan loss allowance to noncurrent loans | 164.4564% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 1,925 |
| Noncurrent loans to loans | 0.9235% | 1,773 |
| Net loans and leases to total assets | 76.1072% | 1,526 |
| Net loans and leases to deposits | 85.6368% | 2,296 |
| Net loans and leases to core deposits | 106.5271% | 1,215 |
| Total domestic deposits to total assets | 88.8721% | 718 |
| Equity capital to assets | 9.4602% | 4,444 |
| Core capital (leverage) ratio | 9.3631% | 4,295 |
| Tier 1 risk-based capital ratio | 10.7256% | 5,028 |
| Total risk-based capital ratio | 11.9770% | 4,944 |
| Memoranda: | ||
| Average total assets | $178,366,000 | 3,073 |
| Average earning assets | $163,844,670 | 3,092 |
| Average equity | $16,626,670 | 3,501 |
| Average total loans | $136,645,670 | 2,797 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9494% | 1,480 |
| Cost of funding earning assets | 1.2836% | 694 |
| Net interest margin | 3.6658% | 3,023 |
| Noninterest income to average assets | 0.4686% | 2,740 |
| Noninterest expense to average assets | 2.4157% | 3,731 |
| Loan and lease loss provision to assets | 0.1019% | 1,727 |
| Net operating income to assets | 1.2067% | 2,029 |
| Return on assets (ROA) | 1.2067% | 2,079 |
| Pretax return on assets | 1.3131% | 2,401 |
| Return on Equity (ROE) | 13.0449% | 1,203 |
| Retained earnings to average equity (ytd only) | 4.7725% | 3,012 |
| Net charge-offs to loans | 0.1277% | 985 |
| Credit loss provision to net charge-offs | 104.6512% | 1,534 |
| Earnings coverage of net charge-offs (x) | 14.5349% | 1,788 |
| Efficiency ratio | 62.1749% | 3,509 |
| Assets per employee ($millions) | 4.1598% | 3,683 |
| Cash dividends to net income (ytd only)* | 63.4146% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 1,208 |
| Loan loss allowance to noncurrent loans | 167.2000% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6829% | 2,053 |
| Noncurrent loans to loans | 0.9218% | 1,813 |
| Net loans and leases to total assets | 72.9432% | 2,000 |
| Net loans and leases to deposits | 81.4475% | 2,674 |
| Net loans and leases to core deposits | 100.8971% | 1,543 |
| Total domestic deposits to total assets | 89.5585% | 618 |
| Equity capital to assets | 9.0237% | 4,662 |
| Core capital (leverage) ratio | 9.1843% | 4,489 |
| Tier 1 risk-based capital ratio | 10.6527% | 5,131 |
| Total risk-based capital ratio | 11.9040% | 5,026 |
| Memoranda: | ||
| Average total assets | $176,678,500 | 3,122 |
| Average earning assets | $162,038,500 | 3,149 |
| Average equity | $16,343,500 | 3,550 |
| Average total loans | $134,743,000 | 2,850 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9539% | 1,150 |
| Cost of funding earning assets | 0.9846% | 804 |
| Net interest margin | 3.9693% | 2,096 |
| Noninterest income to average assets | 0.4612% | 3,044 |
| Noninterest expense to average assets | 2.2557% | 4,215 |
| Loan and lease loss provision to assets | 0.1612% | 1,268 |
| Net operating income to assets | 1.5534% | 984 |
| Return on assets (ROA) | 1.5545% | 977 |
| Pretax return on assets | 1.6754% | 1,229 |
| Return on Equity (ROE) | 17.3870% | 449 |
| Retained earnings to average equity (ytd only) | 9.2731% | 790 |
| Net charge-offs to loans | 0.1142% | 1,608 |
| Credit loss provision to net charge-offs | 185.4305% | 1,531 |
| Earnings coverage of net charge-offs (x) | 21.1126% | 1,961 |
| Efficiency ratio | 54.2640% | 4,592 |
| Assets per employee ($millions) | 3.8711% | 4,069 |
| Cash dividends to net income (ytd only)* | 46.6667% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,119 |
| Loan loss allowance to noncurrent loans | 167.1737% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 1,862 |
| Noncurrent loans to loans | 0.9329% | 1,725 |
| Net loans and leases to total assets | 77.3806% | 1,376 |
| Net loans and leases to deposits | 88.7058% | 1,965 |
| Net loans and leases to core deposits | 96.4847% | 2,017 |
| Total domestic deposits to total assets | 87.2328% | 1,671 |
| Equity capital to assets | 9.4941% | 4,139 |
| Core capital (leverage) ratio | 9.4213% | 4,210 |
| Tier 1 risk-based capital ratio | 10.8176% | 5,058 |
| Total risk-based capital ratio | 12.0693% | 4,947 |
| Memoranda: | ||
| Average total assets | $173,692,400 | 3,128 |
| Average earning assets | $158,845,600 | 3,154 |
| Average equity | $15,528,800 | 3,572 |
| Average total loans | $132,259,200 | 2,854 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8663% | 1,250 |
| Cost of funding earning assets | 0.9363% | 785 |
| Net interest margin | 3.9300% | 2,201 |
| Noninterest income to average assets | 0.4790% | 2,987 |
| Noninterest expense to average assets | 2.2436% | 4,228 |
| Loan and lease loss provision to assets | 0.1451% | 1,368 |
| Net operating income to assets | 1.5646% | 1,036 |
| Return on assets (ROA) | 1.5660% | 1,039 |
| Pretax return on assets | 1.6860% | 1,313 |
| Return on Equity (ROE) | 17.7852% | 452 |
| Retained earnings to average equity (ytd only) | 11.0702% | 639 |
| Net charge-offs to loans | 0.1153% | 1,356 |
| Credit loss provision to net charge-offs | 166.6667% | 1,591 |
| Earnings coverage of net charge-offs (x) | 21.0082% | 1,934 |
| Efficiency ratio | 54.2198% | 4,589 |
| Assets per employee ($millions) | 3.8650% | 4,082 |
| Cash dividends to net income (ytd only)* | 37.7559% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 1,304 |
| Loan loss allowance to noncurrent loans | 154.7529% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.7820% | 1,904 |
| Noncurrent loans to loans | 0.9783% | 1,739 |
| Net loans and leases to total assets | 76.1182% | 1,645 |
| Net loans and leases to deposits | 88.0736% | 2,147 |
| Net loans and leases to core deposits | 95.2020% | 2,194 |
| Total domestic deposits to total assets | 86.4256% | 2,002 |
| Equity capital to assets | 9.1357% | 4,435 |
| Core capital (leverage) ratio | 9.2092% | 4,503 |
| Tier 1 risk-based capital ratio | 10.9445% | 5,063 |
| Total risk-based capital ratio | 12.1958% | 4,964 |
| Memoranda: | ||
| Average total assets | $174,533,750 | 3,142 |
| Average earning assets | $159,624,750 | 3,172 |
| Average equity | $15,368,250 | 3,613 |
| Average total loans | $131,852,000 | 2,875 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7698% | 1,331 |
| Cost of funding earning assets | 0.8684% | 834 |
| Net interest margin | 3.9014% | 2,196 |
| Noninterest income to average assets | 0.5025% | 2,847 |
| Noninterest expense to average assets | 2.2067% | 4,350 |
| Loan and lease loss provision to assets | 0.1145% | 1,732 |
| Net operating income to assets | 1.6300% | 846 |
| Return on assets (ROA) | 1.6322% | 848 |
| Pretax return on assets | 1.7523% | 1,092 |
| Return on Equity (ROE) | 18.7697% | 350 |
| Retained earnings to average equity (ytd only) | 11.8989% | 533 |
| Net charge-offs to loans | 0.1374% | 1,093 |
| Credit loss provision to net charge-offs | 111.1111% | 1,880 |
| Earnings coverage of net charge-offs (x) | 18.1000% | 1,921 |
| Efficiency ratio | 53.3315% | 4,755 |
| Assets per employee ($millions) | 3.8540% | 4,127 |
| Cash dividends to net income (ytd only)* | 36.6059% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 1,462 |
| Loan loss allowance to noncurrent loans | 144.1435% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8003% | 1,869 |
| Noncurrent loans to loans | 1.0263% | 1,718 |
| Net loans and leases to total assets | 75.6098% | 1,696 |
| Net loans and leases to deposits | 87.1898% | 2,192 |
| Net loans and leases to core deposits | 91.8258% | 2,418 |
| Total domestic deposits to total assets | 86.7186% | 1,963 |
| Equity capital to assets | 8.9788% | 4,579 |
| Core capital (leverage) ratio | 9.0382% | 4,660 |
| Tier 1 risk-based capital ratio | 10.6283% | 5,218 |
| Total risk-based capital ratio | 11.8795% | 5,114 |
| Memoranda: | ||
| Average total assets | $174,737,330 | 3,157 |
| Average earning assets | $159,839,670 | 3,191 |
| Average equity | $15,194,670 | 3,653 |
| Average total loans | $130,995,330 | 2,900 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 1,482 |
| Cost of funding earning assets | 0.8304% | 832 |
| Net interest margin | 3.8027% | 2,416 |
| Noninterest income to average assets | 0.5040% | 2,774 |
| Noninterest expense to average assets | 2.2578% | 4,273 |
| Loan and lease loss provision to assets | 0.0684% | 2,397 |
| Net operating income to assets | 1.5238% | 1,025 |
| Return on assets (ROA) | 1.5280% | 1,018 |
| Pretax return on assets | 1.6603% | 1,218 |
| Return on Equity (ROE) | 17.8595% | 426 |
| Retained earnings to average equity (ytd only) | 10.6624% | 974 |
| Net charge-offs to loans | 0.1970% | 749 |
| Credit loss provision to net charge-offs | 46.8750% | 1,973 |
| Earnings coverage of net charge-offs (x) | 11.8125% | 1,827 |
| Efficiency ratio | 55.8419% | 4,604 |
| Assets per employee ($millions) | 3.9609% | 4,042 |
| Cash dividends to net income (ytd only)* | 40.2985% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,499 |
| Loan loss allowance to noncurrent loans | 1,139.0533% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 4,556 |
| Noncurrent loans to loans | 0.1308% | 4,382 |
| Net loans and leases to total assets | 71.4303% | 2,265 |
| Net loans and leases to deposits | 79.3981% | 2,877 |
| Net loans and leases to core deposits | 83.0884% | 3,058 |
| Total domestic deposits to total assets | 89.9647% | 669 |
| Equity capital to assets | 8.4655% | 5,006 |
| Core capital (leverage) ratio | 8.6571% | 5,015 |
| Tier 1 risk-based capital ratio | 10.4474% | 5,366 |
| Total risk-based capital ratio | 11.6981% | 5,286 |
| Memoranda: | ||
| Average total assets | $175,391,000 | 3,183 |
| Average earning assets | $160,412,000 | 3,215 |
| Average equity | $15,006,000 | 3,709 |
| Average total loans | $129,943,500 | 2,936 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7224% | 1,147 |
| Cost of funding earning assets | 0.7887% | 659 |
| Net interest margin | 3.9337% | 1,973 |
| Noninterest income to average assets | 0.3874% | 3,718 |
| Noninterest expense to average assets | 2.3564% | 4,190 |
| Loan and lease loss provision to assets | 0.1113% | 2,036 |
| Net operating income to assets | 1.3822% | 1,055 |
| Return on assets (ROA) | 1.3860% | 1,067 |
| Pretax return on assets | 1.5073% | 1,610 |
| Return on Equity (ROE) | 16.2738% | 448 |
| Retained earnings to average equity (ytd only) | 7.5761% | 897 |
| Net charge-offs to loans | 0.0578% | 2,654 |
| Credit loss provision to net charge-offs | 253.3333% | 1,088 |
| Earnings coverage of net charge-offs (x) | 36.7333% | 1,329 |
| Efficiency ratio | 58.4268% | 4,479 |
| Assets per employee ($millions) | 3.8342% | 4,232 |
| Cash dividends to net income (ytd only)* | 53.4461% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 1,417 |
| Loan loss allowance to noncurrent loans | 1,106.7797% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 4,547 |
| Noncurrent loans to loans | 0.1355% | 4,386 |
| Net loans and leases to total assets | 74.5823% | 1,823 |
| Net loans and leases to deposits | 83.1470% | 2,592 |
| Net loans and leases to core deposits | 86.6916% | 2,858 |
| Total domestic deposits to total assets | 89.6993% | 684 |
| Equity capital to assets | 8.6490% | 4,992 |
| Core capital (leverage) ratio | 8.6328% | 5,009 |
| Tier 1 risk-based capital ratio | 9.9387% | 5,547 |
| Total risk-based capital ratio | 11.1897% | 5,498 |
| Memoranda: | ||
| Average total assets | $170,638,400 | 3,239 |
| Average earning assets | $155,450,600 | 3,250 |
| Average equity | $14,532,600 | 3,772 |
| Average total loans | $129,826,000 | 2,915 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6567% | 1,236 |
| Cost of funding earning assets | 0.7880% | 617 |
| Net interest margin | 3.8687% | 2,152 |
| Noninterest income to average assets | 0.3926% | 3,737 |
| Noninterest expense to average assets | 2.3115% | 4,269 |
| Loan and lease loss provision to assets | 0.0784% | 2,519 |
| Net operating income to assets | 1.4140% | 1,059 |
| Return on assets (ROA) | 1.4190% | 1,078 |
| Pretax return on assets | 1.5357% | 1,642 |
| Return on Equity (ROE) | 16.7275% | 461 |
| Retained earnings to average equity (ytd only) | 10.2342% | 537 |
| Net charge-offs to loans | 0.0813% | 1,991 |
| Credit loss provision to net charge-offs | 126.5823% | 1,922 |
| Earnings coverage of net charge-offs (x) | 25.9875% | 1,703 |
| Efficiency ratio | 58.0452% | 4,496 |
| Assets per employee ($millions) | 3.9602% | 4,056 |
| Cash dividends to net income (ytd only)* | 38.8183% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 1,836 |
| Loan loss allowance to noncurrent loans | 205.3965% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 2,880 |
| Noncurrent loans to loans | 0.6873% | 2,645 |
| Net loans and leases to total assets | 76.4848% | 1,501 |
| Net loans and leases to deposits | 86.5445% | 2,236 |
| Net loans and leases to core deposits | 90.9253% | 2,536 |
| Total domestic deposits to total assets | 88.3763% | 1,184 |
| Equity capital to assets | 8.8467% | 5,035 |
| Core capital (leverage) ratio | 8.6558% | 5,106 |
| Tier 1 risk-based capital ratio | 9.9930% | 5,603 |
| Total risk-based capital ratio | 11.2428% | 5,563 |
| Memoranda: | ||
| Average total assets | $170,162,750 | 3,274 |
| Average earning assets | $155,157,250 | 3,289 |
| Average equity | $14,435,000 | 3,827 |
| Average total loans | $129,621,500 | 2,940 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 1,242 |
| Cost of funding earning assets | 0.7876% | 560 |
| Net interest margin | 3.8181% | 2,220 |
| Noninterest income to average assets | 0.3974% | 3,706 |
| Noninterest expense to average assets | 2.2737% | 4,422 |
| Loan and lease loss provision to assets | 0.0823% | 2,342 |
| Net operating income to assets | 1.4055% | 1,055 |
| Return on assets (ROA) | 1.4131% | 1,057 |
| Pretax return on assets | 1.5260% | 1,555 |
| Return on Equity (ROE) | 16.8998% | 419 |
| Retained earnings to average equity (ytd only) | 10.3199% | 530 |
| Net charge-offs to loans | 0.0016% | 3,465 |
| Credit loss provision to net charge-offs | 7,000.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 1,361.0000% | 45 |
| Efficiency ratio | 57.7542% | 4,628 |
| Assets per employee ($millions) | 3.8044% | 4,272 |
| Cash dividends to net income (ytd only)* | 38.9351% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 1,749 |
| Loan loss allowance to noncurrent loans | 203.9446% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 2,928 |
| Noncurrent loans to loans | 0.7121% | 2,618 |
| Net loans and leases to total assets | 75.8236% | 1,564 |
| Net loans and leases to deposits | 85.5285% | 2,285 |
| Net loans and leases to core deposits | 88.4252% | 2,668 |
| Total domestic deposits to total assets | 88.6530% | 1,130 |
| Equity capital to assets | 8.5929% | 5,234 |
| Core capital (leverage) ratio | 8.4752% | 5,235 |
| Tier 1 risk-based capital ratio | 9.5085% | 5,711 |
| Total risk-based capital ratio | 10.7587% | 5,694 |
| Memoranda: | ||
| Average total assets | $170,120,330 | 3,278 |
| Average earning assets | $154,893,000 | 3,308 |
| Average equity | $14,225,000 | 3,867 |
| Average total loans | $128,791,670 | 2,964 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5574% | 1,243 |
| Cost of funding earning assets | 0.7885% | 528 |
| Net interest margin | 3.7688% | 2,229 |
| Noninterest income to average assets | 0.4246% | 3,486 |
| Noninterest expense to average assets | 2.3965% | 4,122 |
| Loan and lease loss provision to assets | 0.0944% | 1,966 |
| Net operating income to assets | 1.2567% | 1,355 |
| Return on assets (ROA) | 1.2501% | 1,409 |
| Pretax return on assets | 1.3539% | 2,048 |
| Return on Equity (ROE) | 15.1624% | 623 |
| Retained earnings to average equity (ytd only) | 8.4680% | 1,286 |
| Net charge-offs to loans | -0.0220% | 4,791 |
| Credit loss provision to net charge-offs | -571.4286% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2982% | 4,265 |
| Assets per employee ($millions) | 3.9187% | 4,151 |
| Cash dividends to net income (ytd only)* | 44.1509% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 1,708 |
| Loan loss allowance to noncurrent loans | 523.8227% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 4,370 |
| Noncurrent loans to loans | 0.2856% | 4,093 |
| Net loans and leases to total assets | 72.2029% | 2,047 |
| Net loans and leases to deposits | 80.2414% | 2,717 |
| Net loans and leases to core deposits | 82.3879% | 3,055 |
| Total domestic deposits to total assets | 89.9821% | 663 |
| Equity capital to assets | 8.2003% | 5,417 |
| Core capital (leverage) ratio | 8.1997% | 5,449 |
| Tier 1 risk-based capital ratio | 9.6935% | 5,754 |
| Total risk-based capital ratio | 10.9445% | 5,738 |
| Memoranda: | ||
| Average total assets | $169,580,500 | 3,314 |
| Average earning assets | $154,212,000 | 3,346 |
| Average equity | $13,982,000 | 3,924 |
| Average total loans | $127,326,000 | 3,000 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 1,518 |
| Cost of funding earning assets | 0.7716% | 571 |
| Net interest margin | 3.7350% | 2,556 |
| Noninterest income to average assets | 0.5000% | 3,236 |
| Noninterest expense to average assets | 2.3471% | 4,429 |
| Loan and lease loss provision to assets | 0.1879% | 1,252 |
| Net operating income to assets | 1.2821% | 1,260 |
| Return on assets (ROA) | 1.2881% | 1,313 |
| Pretax return on assets | 1.3937% | 1,967 |
| Return on Equity (ROE) | 15.9909% | 511 |
| Retained earnings to average equity (ytd only) | 8.3917% | 740 |
| Net charge-offs to loans | 0.0119% | 3,871 |
| Credit loss provision to net charge-offs | 2,100.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 176.0000% | 370 |
| Efficiency ratio | 58.8987% | 4,734 |
| Assets per employee ($millions) | 4.1685% | 3,668 |
| Cash dividends to net income (ytd only)* | 47.5220% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 1,930 |
| Loan loss allowance to noncurrent loans | 127.2602% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 2,167 |
| Noncurrent loans to loans | 1.1297% | 1,821 |
| Net loans and leases to total assets | 75.8210% | 1,540 |
| Net loans and leases to deposits | 84.5368% | 2,359 |
| Net loans and leases to core deposits | 87.5361% | 2,719 |
| Total domestic deposits to total assets | 89.6899% | 774 |
| Equity capital to assets | 8.2914% | 5,427 |
| Core capital (leverage) ratio | 8.0173% | 5,612 |
| Tier 1 risk-based capital ratio | 9.2862% | 5,836 |
| Total risk-based capital ratio | 10.5360% | 5,839 |
| Memoranda: | ||
| Average total assets | $167,612,400 | 3,313 |
| Average earning assets | $153,574,200 | 3,330 |
| Average equity | $13,501,400 | 4,024 |
| Average total loans | $125,751,200 | 2,984 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4561% | 1,675 |
| Cost of funding earning assets | 0.7610% | 606 |
| Net interest margin | 3.6951% | 2,734 |
| Noninterest income to average assets | 0.5426% | 2,955 |
| Noninterest expense to average assets | 2.3817% | 4,329 |
| Loan and lease loss provision to assets | 0.2026% | 1,042 |
| Net operating income to assets | 1.2684% | 1,389 |
| Return on assets (ROA) | 1.2767% | 1,461 |
| Pretax return on assets | 1.3617% | 2,191 |
| Return on Equity (ROE) | 15.9652% | 549 |
| Retained earnings to average equity (ytd only) | 10.0838% | 560 |
| Net charge-offs to loans | 0.0160% | 3,409 |
| Credit loss provision to net charge-offs | 1,700.0000% | 274 |
| Earnings coverage of net charge-offs (x) | 130.5300% | 524 |
| Efficiency ratio | 59.5642% | 4,602 |
| Assets per employee ($millions) | 4.3398% | 3,349 |
| Cash dividends to net income (ytd only)* | 36.8387% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 2,390 |
| Loan loss allowance to noncurrent loans | 199.3296% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 3,267 |
| Noncurrent loans to loans | 0.6822% | 2,984 |
| Net loans and leases to total assets | 76.4628% | 1,447 |
| Net loans and leases to deposits | 86.4668% | 2,215 |
| Net loans and leases to core deposits | 91.9610% | 2,385 |
| Total domestic deposits to total assets | 88.4302% | 1,177 |
| Equity capital to assets | 8.2652% | 5,638 |
| Core capital (leverage) ratio | 8.1113% | 5,635 |
| Tier 1 risk-based capital ratio | 9.3113% | 5,898 |
| Total risk-based capital ratio | 10.5401% | 5,898 |
| Memoranda: | ||
| Average total assets | $167,830,500 | 3,329 |
| Average earning assets | $154,182,750 | 3,336 |
| Average equity | $13,420,500 | 4,068 |
| Average total loans | $125,122,000 | 2,999 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 1,775 |
| Cost of funding earning assets | 0.7605% | 595 |
| Net interest margin | 3.6580% | 2,866 |
| Noninterest income to average assets | 0.6298% | 2,463 |
| Noninterest expense to average assets | 2.3889% | 4,368 |
| Loan and lease loss provision to assets | 0.2330% | 862 |
| Net operating income to assets | 1.2823% | 1,329 |
| Return on assets (ROA) | 1.2823% | 1,434 |
| Pretax return on assets | 1.3647% | 2,149 |
| Return on Equity (ROE) | 16.2195% | 510 |
| Retained earnings to average equity (ytd only) | 10.2940% | 543 |
| Net charge-offs to loans | -0.0032% | 4,445 |
| Credit loss provision to net charge-offs | -9,750.0000% | 5,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9928% | 4,772 |
| Assets per employee ($millions) | 4.2409% | 3,480 |
| Cash dividends to net income (ytd only)* | 36.5331% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 2,381 |
| Loan loss allowance to noncurrent loans | 184.8195% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 3,409 |
| Noncurrent loans to loans | 0.7465% | 2,873 |
| Net loans and leases to total assets | 71.5727% | 2,237 |
| Net loans and leases to deposits | 79.8531% | 2,943 |
| Net loans and leases to core deposits | 84.0824% | 3,076 |
| Total domestic deposits to total assets | 89.6305% | 625 |
| Equity capital to assets | 7.8574% | 5,846 |
| Core capital (leverage) ratio | 7.9858% | 5,735 |
| Tier 1 risk-based capital ratio | 9.5141% | 5,946 |
| Total risk-based capital ratio | 10.7642% | 5,926 |
| Memoranda: | ||
| Average total assets | $167,357,000 | 3,351 |
| Average earning assets | $153,581,330 | 3,355 |
| Average equity | $13,231,000 | 4,118 |
| Average total loans | $123,096,670 | 3,031 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 1,563 |
| Cost of funding earning assets | 0.7674% | 583 |
| Net interest margin | 3.7138% | 2,611 |
| Noninterest income to average assets | 0.3851% | 3,948 |
| Noninterest expense to average assets | 2.3523% | 4,513 |
| Loan and lease loss provision to assets | 0.1463% | 1,445 |
| Net operating income to assets | 1.1944% | 1,576 |
| Return on assets (ROA) | 1.1944% | 1,676 |
| Pretax return on assets | 1.2724% | 2,411 |
| Return on Equity (ROE) | 15.0590% | 662 |
| Retained earnings to average equity (ytd only) | 8.6051% | 1,226 |
| Net charge-offs to loans | -0.0033% | 4,193 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4092% | 4,539 |
| Assets per employee ($millions) | 3.9601% | 4,021 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,935 |
| Loan loss allowance to noncurrent loans | 176.3736% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 3,343 |
| Noncurrent loans to loans | 0.7339% | 2,999 |
| Net loans and leases to total assets | 73.5891% | 1,800 |
| Net loans and leases to deposits | 82.5640% | 2,478 |
| Net loans and leases to core deposits | 84.9802% | 2,844 |
| Total domestic deposits to total assets | 89.1297% | 1,032 |
| Equity capital to assets | 7.9417% | 5,843 |
| Core capital (leverage) ratio | 7.8368% | 5,833 |
| Tier 1 risk-based capital ratio | 9.3207% | 6,028 |
| Total risk-based capital ratio | 10.4931% | 6,033 |
| Memoranda: | ||
| Average total assets | $164,098,000 | 3,401 |
| Average earning assets | $149,604,000 | 3,426 |
| Average equity | $13,015,500 | 4,163 |
| Average total loans | $121,551,000 | 3,060 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 1,651 |
| Cost of funding earning assets | 0.7674% | 588 |
| Net interest margin | 3.7147% | 2,698 |
| Noninterest income to average assets | 0.3221% | 4,595 |
| Noninterest expense to average assets | 2.5174% | 4,173 |
| Loan and lease loss provision to assets | 0.0889% | 2,521 |
| Net operating income to assets | 1.0513% | 2,117 |
| Return on assets (ROA) | 1.0710% | 2,111 |
| Pretax return on assets | 1.1059% | 3,025 |
| Return on Equity (ROE) | 13.3466% | 987 |
| Retained earnings to average equity (ytd only) | 5.8659% | 1,860 |
| Net charge-offs to loans | -0.0072% | 5,037 |
| Credit loss provision to net charge-offs | -1,750.0000% | 5,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3090% | 3,696 |
| Assets per employee ($millions) | 4.2598% | 3,468 |
| Cash dividends to net income (ytd only)* | 56.0498% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,932 |
| Loan loss allowance to noncurrent loans | 169.4841% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5900% | 3,317 |
| Noncurrent loans to loans | 0.7649% | 2,886 |
| Net loans and leases to total assets | 72.6233% | 1,952 |
| Net loans and leases to deposits | 82.5238% | 2,531 |
| Net loans and leases to core deposits | 85.4704% | 2,830 |
| Total domestic deposits to total assets | 88.0028% | 1,627 |
| Equity capital to assets | 7.9211% | 5,884 |
| Core capital (leverage) ratio | 7.6788% | 5,943 |
| Tier 1 risk-based capital ratio | 9.1894% | 6,088 |
| Total risk-based capital ratio | 10.3248% | 6,088 |
| Memoranda: | ||
| Average total assets | $157,426,600 | 3,464 |
| Average earning assets | $142,811,800 | 3,501 |
| Average equity | $12,632,400 | 4,201 |
| Average total loans | $111,481,000 | 3,172 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 1,787 |
| Cost of funding earning assets | 0.7694% | 596 |
| Net interest margin | 3.6691% | 2,888 |
| Noninterest income to average assets | 0.3233% | 4,629 |
| Noninterest expense to average assets | 2.2723% | 4,850 |
| Loan and lease loss provision to assets | 0.0810% | 2,552 |
| Net operating income to assets | 1.2581% | 1,458 |
| Return on assets (ROA) | 1.2845% | 1,435 |
| Pretax return on assets | 1.3204% | 2,320 |
| Return on Equity (ROE) | 15.9551% | 598 |
| Retained earnings to average equity (ytd only) | 9.8528% | 659 |
| Net charge-offs to loans | -0.0085% | 4,937 |
| Credit loss provision to net charge-offs | -1,357.1429% | 5,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6140% | 4,625 |
| Assets per employee ($millions) | 4.2770% | 3,365 |
| Cash dividends to net income (ytd only)* | 38.2470% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 3,287 |
| Loan loss allowance to noncurrent loans | 172.7797% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 3,624 |
| Noncurrent loans to loans | 0.7312% | 3,140 |
| Net loans and leases to total assets | 72.0317% | 2,055 |
| Net loans and leases to deposits | 83.0851% | 2,520 |
| Net loans and leases to core deposits | 87.4957% | 2,706 |
| Total domestic deposits to total assets | 86.6964% | 2,189 |
| Equity capital to assets | 8.0350% | 5,944 |
| Core capital (leverage) ratio | 7.9584% | 5,926 |
| Tier 1 risk-based capital ratio | 9.5260% | 6,143 |
| Total risk-based capital ratio | 10.6479% | 6,138 |
| Memoranda: | ||
| Average total assets | $156,315,500 | 3,513 |
| Average earning assets | $141,574,500 | 3,548 |
| Average equity | $12,585,000 | 4,253 |
| Average total loans | $109,576,250 | 3,240 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 1,983 |
| Cost of funding earning assets | 0.7705% | 588 |
| Net interest margin | 3.5872% | 3,142 |
| Noninterest income to average assets | 0.3112% | 4,732 |
| Noninterest expense to average assets | 2.3327% | 4,768 |
| Loan and lease loss provision to assets | 0.0778% | 2,568 |
| Net operating income to assets | 1.1196% | 1,877 |
| Return on assets (ROA) | 1.1657% | 1,791 |
| Pretax return on assets | 1.2085% | 2,741 |
| Return on Equity (ROE) | 14.4685% | 826 |
| Retained earnings to average equity (ytd only) | 8.1275% | 1,212 |
| Net charge-offs to loans | -0.0094% | 4,909 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3232% | 4,126 |
| Assets per employee ($millions) | 4.0924% | 3,698 |
| Cash dividends to net income (ytd only)* | 43.8265% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 3,203 |
| Loan loss allowance to noncurrent loans | 153.6278% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 3,424 |
| Noncurrent loans to loans | 0.8511% | 2,999 |
| Net loans and leases to total assets | 69.0906% | 2,471 |
| Net loans and leases to deposits | 78.9569% | 2,912 |
| Net loans and leases to core deposits | 81.9635% | 3,181 |
| Total domestic deposits to total assets | 87.5042% | 1,901 |
| Equity capital to assets | 7.8726% | 6,029 |
| Core capital (leverage) ratio | 7.6550% | 6,051 |
| Tier 1 risk-based capital ratio | 9.5103% | 6,202 |
| Total risk-based capital ratio | 10.6480% | 6,198 |
| Memoranda: | ||
| Average total assets | $154,245,000 | 3,560 |
| Average earning assets | $140,165,670 | 3,600 |
| Average equity | $12,427,000 | 4,298 |
| Average total loans | $106,578,670 | 3,310 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 2,484 |
| Cost of funding earning assets | 0.7688% | 592 |
| Net interest margin | 3.4248% | 3,737 |
| Noninterest income to average assets | 0.3457% | 4,434 |
| Noninterest expense to average assets | 2.0796% | 5,430 |
| Loan and lease loss provision to assets | 0.0792% | 2,372 |
| Net operating income to assets | 1.2549% | 1,390 |
| Return on assets (ROA) | 1.3486% | 1,209 |
| Pretax return on assets | 1.4119% | 1,850 |
| Return on Equity (ROE) | 16.5399% | 516 |
| Retained earnings to average equity (ytd only) | 10.6490% | 784 |
| Net charge-offs to loans | -0.0231% | 5,108 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8784% | 5,103 |
| Assets per employee ($millions) | 4.3553% | 3,278 |
| Cash dividends to net income (ytd only)* | 35.6164% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 3,094 |
| Loan loss allowance to noncurrent loans | 162.5426% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 3,699 |
| Noncurrent loans to loans | 0.8374% | 3,150 |
| Net loans and leases to total assets | 62.7040% | 3,266 |
| Net loans and leases to deposits | 72.1405% | 3,524 |
| Net loans and leases to core deposits | 74.2978% | 3,750 |
| Total domestic deposits to total assets | 86.9193% | 2,413 |
| Equity capital to assets | 7.5636% | 6,159 |
| Core capital (leverage) ratio | 8.3472% | 5,683 |
| Tier 1 risk-based capital ratio | 9.7018% | 6,234 |
| Total risk-based capital ratio | 10.8550% | 6,224 |
| Memoranda: | ||
| Average total assets | $151,565,000 | 3,629 |
| Average earning assets | $138,402,000 | 3,645 |
| Average equity | $12,358,000 | 4,345 |
| Average total loans | $104,001,500 | 3,374 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6708% | 1,369 |
| Cost of funding earning assets | 0.8019% | 642 |
| Net interest margin | 3.8689% | 2,364 |
| Noninterest income to average assets | 0.4605% | 3,779 |
| Noninterest expense to average assets | 2.3056% | 5,099 |
| Loan and lease loss provision to assets | 0.0909% | 2,648 |
| Net operating income to assets | 1.4997% | 881 |
| Return on assets (ROA) | 1.4997% | 915 |
| Pretax return on assets | 1.5830% | 1,287 |
| Return on Equity (ROE) | 17.1488% | 475 |
| Retained earnings to average equity (ytd only) | 8.6004% | 798 |
| Net charge-offs to loans | 0.0124% | 4,650 |
| Credit loss provision to net charge-offs | 1,000.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 184.1667% | 291 |
| Efficiency ratio | 57.9368% | 5,464 |
| Assets per employee ($millions) | 4.3008% | 3,363 |
| Cash dividends to net income (ytd only)* | 49.8485% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 3,142 |
| Loan loss allowance to noncurrent loans | 148.0382% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 3,235 |
| Noncurrent loans to loans | 0.9174% | 3,019 |
| Net loans and leases to total assets | 73.6760% | 1,643 |
| Net loans and leases to deposits | 84.9059% | 2,111 |
| Net loans and leases to core deposits | 87.8841% | 2,514 |
| Total domestic deposits to total assets | 86.7737% | 2,406 |
| Equity capital to assets | 8.8631% | 5,417 |
| Core capital (leverage) ratio | 9.0140% | 4,978 |
| Tier 1 risk-based capital ratio | 10.7100% | 6,024 |
| Total risk-based capital ratio | 11.9478% | 5,966 |
| Memoranda: | ||
| Average total assets | $132,023,800 | 3,941 |
| Average earning assets | $120,087,200 | 3,964 |
| Average equity | $11,546,000 | 4,448 |
| Average total loans | $97,114,800 | 3,479 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6359% | 1,473 |
| Cost of funding earning assets | 0.8005% | 682 |
| Net interest margin | 3.8354% | 2,493 |
| Noninterest income to average assets | 0.4593% | 3,830 |
| Noninterest expense to average assets | 2.3313% | 5,021 |
| Loan and lease loss provision to assets | 0.0919% | 2,517 |
| Net operating income to assets | 1.4474% | 1,031 |
| Return on assets (ROA) | 1.4474% | 1,070 |
| Pretax return on assets | 1.5280% | 1,554 |
| Return on Equity (ROE) | 16.6092% | 607 |
| Retained earnings to average equity (ytd only) | 6.8053% | 1,920 |
| Net charge-offs to loans | -0.0070% | 5,352 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0028% | 5,313 |
| Assets per employee ($millions) | 4.1346% | 3,592 |
| Cash dividends to net income (ytd only)* | 59.0267% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 3,332 |
| Loan loss allowance to noncurrent loans | 139.8382% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.8359% | 3,330 |
| Noncurrent loans to loans | 0.9757% | 3,122 |
| Net loans and leases to total assets | 75.5674% | 1,274 |
| Net loans and leases to deposits | 86.9854% | 1,793 |
| Net loans and leases to core deposits | 90.8018% | 2,147 |
| Total domestic deposits to total assets | 86.8737% | 2,385 |
| Equity capital to assets | 8.8544% | 5,506 |
| Core capital (leverage) ratio | 8.8266% | 5,299 |
| Tier 1 risk-based capital ratio | 10.4873% | 6,211 |
| Total risk-based capital ratio | 11.7304% | 6,161 |
| Memoranda: | ||
| Average total assets | $130,623,000 | 3,993 |
| Average earning assets | $118,924,500 | 4,018 |
| Average equity | $11,383,000 | 4,509 |
| Average total loans | $95,695,000 | 3,541 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 1,535 |
| Cost of funding earning assets | 0.7982% | 712 |
| Net interest margin | 3.7993% | 2,576 |
| Noninterest income to average assets | 0.4152% | 4,131 |
| Noninterest expense to average assets | 2.3435% | 5,045 |
| Loan and lease loss provision to assets | 0.0923% | 2,486 |
| Net operating income to assets | 1.3394% | 1,206 |
| Return on assets (ROA) | 1.3394% | 1,250 |
| Pretax return on assets | 1.4270% | 1,794 |
| Return on Equity (ROE) | 15.4538% | 720 |
| Retained earnings to average equity (ytd only) | 6.4405% | 2,071 |
| Net charge-offs to loans | 0.0107% | 4,043 |
| Credit loss provision to net charge-offs | 1,200.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 197.6000% | 329 |
| Efficiency ratio | 60.6688% | 5,200 |
| Assets per employee ($millions) | 4.0785% | 3,685 |
| Cash dividends to net income (ytd only)* | 58.3238% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 3,406 |
| Loan loss allowance to noncurrent loans | 1,083.0645% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 5,254 |
| Noncurrent loans to loans | 0.1283% | 5,628 |
| Net loans and leases to total assets | 73.0218% | 1,568 |
| Net loans and leases to deposits | 83.9075% | 2,045 |
| Net loans and leases to core deposits | 88.0584% | 2,312 |
| Total domestic deposits to total assets | 87.0266% | 2,439 |
| Equity capital to assets | 8.8466% | 5,472 |
| Core capital (leverage) ratio | 8.7301% | 5,359 |
| Tier 1 risk-based capital ratio | 10.7485% | 6,152 |
| Total risk-based capital ratio | 11.9990% | 6,107 |
| Memoranda: | ||
| Average total assets | $130,061,670 | 4,031 |
| Average earning assets | $118,021,670 | 4,062 |
| Average equity | $11,272,330 | 4,543 |
| Average total loans | $93,805,330 | 3,596 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 1,780 |
| Cost of funding earning assets | 0.7793% | 836 |
| Net interest margin | 3.7330% | 2,737 |
| Noninterest income to average assets | 0.4036% | 4,156 |
| Noninterest expense to average assets | 2.2213% | 5,410 |
| Loan and lease loss provision to assets | 0.0924% | 2,374 |
| Net operating income to assets | 1.3802% | 1,035 |
| Return on assets (ROA) | 1.3802% | 1,076 |
| Pretax return on assets | 1.4695% | 1,516 |
| Return on Equity (ROE) | 16.0927% | 632 |
| Retained earnings to average equity (ytd only) | 6.9687% | 2,063 |
| Net charge-offs to loans | 0.1082% | 2,096 |
| Credit loss provision to net charge-offs | 120.0000% | 1,457 |
| Earnings coverage of net charge-offs (x) | 20.2800% | 1,338 |
| Efficiency ratio | 58.7134% | 5,579 |
| Assets per employee ($millions) | 4.2398% | 3,456 |
| Cash dividends to net income (ytd only)* | 56.6964% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 3,647 |
| Loan loss allowance to noncurrent loans | 1,346.8750% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 5,260 |
| Noncurrent loans to loans | 0.1034% | 5,816 |
| Net loans and leases to total assets | 67.4936% | 2,301 |
| Net loans and leases to deposits | 78.3504% | 2,501 |
| Net loans and leases to core deposits | 82.2587% | 2,712 |
| Total domestic deposits to total assets | 86.1434% | 3,283 |
| Equity capital to assets | 8.3007% | 5,825 |
| Core capital (leverage) ratio | 8.8666% | 5,181 |
| Tier 1 risk-based capital ratio | 10.8260% | 6,230 |
| Total risk-based capital ratio | 12.0669% | 6,189 |
| Memoranda: | ||
| Average total assets | $129,836,000 | 4,070 |
| Average earning assets | $117,546,500 | 4,102 |
| Average equity | $11,135,500 | 4,581 |
| Average total loans | $92,385,000 | 3,650 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 1,056 |
| Cost of funding earning assets | 0.7720% | 1,361 |
| Net interest margin | 4.1474% | 1,515 |
| Noninterest income to average assets | 0.3942% | 4,488 |
| Noninterest expense to average assets | 2.4486% | 4,937 |
| Loan and lease loss provision to assets | 0.0983% | 3,157 |
| Net operating income to assets | 1.5595% | 742 |
| Return on assets (ROA) | 1.5595% | 767 |
| Pretax return on assets | 1.6423% | 1,069 |
| Return on Equity (ROE) | 17.5350% | 450 |
| Retained earnings to average equity (ytd only) | 6.3856% | 1,752 |
| Net charge-offs to loans | 0.0191% | 5,059 |
| Credit loss provision to net charge-offs | 705.8824% | 343 |
| Earnings coverage of net charge-offs (x) | 124.9412% | 376 |
| Efficiency ratio | 58.4507% | 5,684 |
| Assets per employee ($millions) | 3.9999% | 3,866 |
| Cash dividends to net income (ytd only)* | 63.5838% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 3,649 |
| Loan loss allowance to noncurrent loans | 447.2222% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 5,149 |
| Noncurrent loans to loans | 0.3134% | 5,248 |
| Net loans and leases to total assets | 73.0800% | 1,511 |
| Net loans and leases to deposits | 84.1931% | 1,910 |
| Net loans and leases to core deposits | 89.2945% | 2,109 |
| Total domestic deposits to total assets | 86.8005% | 2,830 |
| Equity capital to assets | 8.8784% | 5,172 |
| Core capital (leverage) ratio | 8.8702% | 5,183 |
| Tier 1 risk-based capital ratio | 11.1716% | 6,089 |
| Total risk-based capital ratio | 12.4222% | 6,041 |
| Memoranda: | ||
| Average total assets | $122,026,800 | 4,237 |
| Average earning assets | $111,660,200 | 4,229 |
| Average equity | $10,852,600 | 4,666 |
| Average total loans | $89,061,800 | 3,708 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9235% | 1,079 |
| Cost of funding earning assets | 0.7547% | 1,571 |
| Net interest margin | 4.1688% | 1,426 |
| Noninterest income to average assets | 0.3949% | 4,568 |
| Noninterest expense to average assets | 2.3631% | 5,141 |
| Loan and lease loss provision to assets | 0.0987% | 3,112 |
| Net operating income to assets | 1.6511% | 680 |
| Return on assets (ROA) | 1.6511% | 717 |
| Pretax return on assets | 1.7509% | 991 |
| Return on Equity (ROE) | 18.5566% | 403 |
| Retained earnings to average equity (ytd only) | 8.0021% | 1,406 |
| Net charge-offs to loans | 0.0196% | 4,743 |
| Credit loss provision to net charge-offs | 692.3077% | 418 |
| Earnings coverage of net charge-offs (x) | 129.7138% | 411 |
| Efficiency ratio | 56.0938% | 5,889 |
| Assets per employee ($millions) | 3.7095% | 4,436 |
| Cash dividends to net income (ytd only)* | 56.8767% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 4,069 |
| Loan loss allowance to noncurrent loans | 738.0117% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 5,618 |
| Noncurrent loans to loans | 0.1846% | 5,777 |
| Net loans and leases to total assets | 74.6236% | 1,186 |
| Net loans and leases to deposits | 90.4634% | 1,114 |
| Net loans and leases to core deposits | 96.1761% | 1,381 |
| Total domestic deposits to total assets | 82.4904% | 4,763 |
| Equity capital to assets | 8.9664% | 5,227 |
| Core capital (leverage) ratio | 9.1304% | 4,923 |
| Tier 1 risk-based capital ratio | 11.1587% | 6,214 |
| Total risk-based capital ratio | 12.4088% | 6,179 |
| Memoranda: | ||
| Average total assets | $121,534,250 | 4,285 |
| Average earning assets | $111,299,750 | 4,276 |
| Average equity | $10,813,500 | 4,729 |
| Average total loans | $88,351,000 | 3,750 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 1,150 |
| Cost of funding earning assets | 0.7585% | 1,655 |
| Net interest margin | 4.1185% | 1,494 |
| Noninterest income to average assets | 0.3811% | 4,664 |
| Noninterest expense to average assets | 2.3144% | 5,325 |
| Loan and lease loss provision to assets | 0.0990% | 3,142 |
| Net operating income to assets | 1.6315% | 704 |
| Return on assets (ROA) | 1.6315% | 771 |
| Pretax return on assets | 1.7387% | 1,043 |
| Return on Equity (ROE) | 18.3840% | 430 |
| Retained earnings to average equity (ytd only) | 8.0117% | 1,483 |
| Net charge-offs to loans | 0.0115% | 4,645 |
| Credit loss provision to net charge-offs | 1,200.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 222.8000% | 233 |
| Efficiency ratio | 55.7410% | 5,993 |
| Assets per employee ($millions) | 3.7612% | 4,280 |
| Cash dividends to net income (ytd only)* | 56.4206% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 4,053 |
| Loan loss allowance to noncurrent loans | 496.0000% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 5,418 |
| Noncurrent loans to loans | 0.2815% | 5,599 |
| Net loans and leases to total assets | 72.7502% | 1,442 |
| Net loans and leases to deposits | 86.5902% | 1,502 |
| Net loans and leases to core deposits | 89.8392% | 1,922 |
| Total domestic deposits to total assets | 84.0167% | 4,308 |
| Equity capital to assets | 9.0099% | 5,205 |
| Core capital (leverage) ratio | 8.9847% | 5,018 |
| Tier 1 risk-based capital ratio | 11.4610% | 6,128 |
| Total risk-based capital ratio | 12.7115% | 6,094 |
| Memoranda: | ||
| Average total assets | $121,241,330 | 4,323 |
| Average earning assets | $111,010,000 | 4,313 |
| Average equity | $10,759,330 | 4,778 |
| Average total loans | $86,931,000 | 3,792 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 1,352 |
| Cost of funding earning assets | 0.7633% | 1,763 |
| Net interest margin | 4.0064% | 1,752 |
| Noninterest income to average assets | 0.3945% | 4,509 |
| Noninterest expense to average assets | 2.2879% | 5,460 |
| Loan and lease loss provision to assets | 0.0986% | 3,037 |
| Net operating income to assets | 1.5877% | 725 |
| Return on assets (ROA) | 1.5877% | 783 |
| Pretax return on assets | 1.6831% | 1,118 |
| Return on Equity (ROE) | 18.0274% | 432 |
| Retained earnings to average equity (ytd only) | 5.5239% | 2,944 |
| Net charge-offs to loans | 0.0093% | 3,967 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 140 |
| Efficiency ratio | 56.2197% | 6,040 |
| Assets per employee ($millions) | 3.8017% | 4,349 |
| Cash dividends to net income (ytd only)* | 69.3582% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 4,131 |
| Loan loss allowance to noncurrent loans | 681.4607% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 5,366 |
| Noncurrent loans to loans | 0.2084% | 5,885 |
| Net loans and leases to total assets | 69.2061% | 1,802 |
| Net loans and leases to deposits | 79.2261% | 2,182 |
| Net loans and leases to core deposits | 81.9371% | 2,579 |
| Total domestic deposits to total assets | 87.3527% | 2,723 |
| Equity capital to assets | 8.8497% | 5,666 |
| Core capital (leverage) ratio | 8.6577% | 5,381 |
| Tier 1 risk-based capital ratio | 11.4154% | 6,231 |
| Total risk-based capital ratio | 12.6662% | 6,203 |
| Memoranda: | ||
| Average total assets | $121,683,500 | 4,350 |
| Average earning assets | $111,621,500 | 4,340 |
| Average equity | $10,717,000 | 4,832 |
| Average total loans | $85,996,500 | 3,841 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3027% | 925 |
| Cost of funding earning assets | 0.9362% | 1,729 |
| Net interest margin | 4.3665% | 1,237 |
| Noninterest income to average assets | 0.3665% | 4,856 |
| Noninterest expense to average assets | 2.4044% | 5,394 |
| Loan and lease loss provision to assets | 0.2981% | 2,291 |
| Net operating income to assets | 1.5820% | 780 |
| Return on assets (ROA) | 1.5837% | 859 |
| Pretax return on assets | 1.6696% | 1,211 |
| Return on Equity (ROE) | 17.4375% | 501 |
| Retained earnings to average equity (ytd only) | 9.1822% | 768 |
| Net charge-offs to loans | 0.0124% | 5,749 |
| Credit loss provision to net charge-offs | 3,400.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 224.2000% | 189 |
| Efficiency ratio | 55.0161% | 6,168 |
| Assets per employee ($millions) | 3.5798% | 4,824 |
| Cash dividends to net income (ytd only)* | 47.3422% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 4,315 |
| Loan loss allowance to noncurrent loans | 669.4915% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 5,802 |
| Noncurrent loans to loans | 0.2044% | 5,962 |
| Net loans and leases to total assets | 70.1675% | 1,816 |
| Net loans and leases to deposits | 80.8702% | 2,165 |
| Net loans and leases to core deposits | 83.1618% | 2,651 |
| Total domestic deposits to total assets | 86.7656% | 2,954 |
| Equity capital to assets | 8.7649% | 5,775 |
| Core capital (leverage) ratio | 9.1317% | 4,685 |
| Tier 1 risk-based capital ratio | 9.7800% | 6,752 |
| Total risk-based capital ratio | 10.8951% | 6,764 |
| Memoranda: | ||
| Average total assets | $114,040,000 | 4,493 |
| Average earning assets | $104,569,400 | 4,479 |
| Average equity | $10,357,000 | 4,902 |
| Average total loans | $80,698,800 | 4,020 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3999% | 838 |
| Cost of funding earning assets | 0.9926% | 1,605 |
| Net interest margin | 4.4073% | 1,187 |
| Noninterest income to average assets | 0.3603% | 4,941 |
| Noninterest expense to average assets | 2.4259% | 5,322 |
| Loan and lease loss provision to assets | 0.3211% | 2,055 |
| Net operating income to assets | 1.6066% | 825 |
| Return on assets (ROA) | 1.6089% | 918 |
| Pretax return on assets | 1.6708% | 1,360 |
| Return on Equity (ROE) | 17.5494% | 546 |
| Retained earnings to average equity (ytd only) | 12.2963% | 488 |
| Net charge-offs to loans | -0.0858% | 6,824 |
| Credit loss provision to net charge-offs | -529.4118% | 6,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9421% | 6,151 |
| Assets per employee ($millions) | 3.7236% | 4,494 |
| Cash dividends to net income (ytd only)* | 29.9338% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 3,999 |
| Loan loss allowance to noncurrent loans | 971.9008% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 6,100 |
| Noncurrent loans to loans | 0.1533% | 6,226 |
| Net loans and leases to total assets | 69.6199% | 1,991 |
| Net loans and leases to deposits | 80.7055% | 2,290 |
| Net loans and leases to core deposits | 83.0621% | 2,814 |
| Total domestic deposits to total assets | 86.2642% | 3,110 |
| Equity capital to assets | 9.6546% | 4,985 |
| Core capital (leverage) ratio | 9.1804% | 4,797 |
| Tier 1 risk-based capital ratio | 12.3422% | 5,740 |
| Total risk-based capital ratio | 13.5942% | 5,711 |
| Memoranda: | ||
| Average total assets | $112,121,750 | 4,583 |
| Average earning assets | $103,159,750 | 4,567 |
| Average equity | $10,279,250 | 4,964 |
| Average total loans | $79,226,500 | 4,101 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3693% | 926 |
| Cost of funding earning assets | 1.0204% | 1,652 |
| Net interest margin | 4.3489% | 1,342 |
| Noninterest income to average assets | 0.3652% | 4,903 |
| Noninterest expense to average assets | 2.4924% | 5,163 |
| Loan and lease loss provision to assets | 0.3207% | 2,060 |
| Net operating income to assets | 1.4610% | 1,064 |
| Return on assets (ROA) | 1.4627% | 1,196 |
| Pretax return on assets | 1.5553% | 1,694 |
| Return on Equity (ROE) | 16.2403% | 734 |
| Retained earnings to average equity (ytd only) | 11.8884% | 603 |
| Net charge-offs to loans | -0.0731% | 6,779 |
| Credit loss provision to net charge-offs | -620.6897% | 6,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0787% | 5,986 |
| Assets per employee ($millions) | 3.6386% | 4,664 |
| Cash dividends to net income (ytd only)* | 26.7966% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 4,804 |
| Loan loss allowance to noncurrent loans | 456.6524% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 5,770 |
| Noncurrent loans to loans | 0.2889% | 5,991 |
| Net loans and leases to total assets | 70.5663% | 1,813 |
| Net loans and leases to deposits | 81.3973% | 2,186 |
| Net loans and leases to core deposits | 83.7297% | 2,727 |
| Total domestic deposits to total assets | 86.6937% | 2,961 |
| Equity capital to assets | 9.2042% | 5,457 |
| Core capital (leverage) ratio | 8.7883% | 5,234 |
| Tier 1 risk-based capital ratio | 11.7770% | 6,071 |
| Total risk-based capital ratio | 13.0246% | 6,054 |
| Memoranda: | ||
| Average total assets | $112,259,670 | 4,612 |
| Average earning assets | $103,290,000 | 4,594 |
| Average equity | $10,110,670 | 5,009 |
| Average total loans | $79,319,670 | 4,124 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3980% | 914 |
| Cost of funding earning assets | 1.0562% | 1,640 |
| Net interest margin | 4.3418% | 1,353 |
| Noninterest income to average assets | 0.3429% | 5,114 |
| Noninterest expense to average assets | 2.4145% | 5,423 |
| Loan and lease loss provision to assets | 0.3215% | 1,957 |
| Net operating income to assets | 1.5003% | 1,018 |
| Return on assets (ROA) | 1.5037% | 1,133 |
| Pretax return on assets | 1.5894% | 1,603 |
| Return on Equity (ROE) | 16.8822% | 689 |
| Retained earnings to average equity (ytd only) | 12.4712% | 753 |
| Net charge-offs to loans | -0.0407% | 6,457 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8678% | 6,135 |
| Assets per employee ($millions) | 3.8466% | 4,328 |
| Cash dividends to net income (ytd only)* | 26.1283% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 5,465 |
| Loan loss allowance to noncurrent loans | 512.3656% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 6,011 |
| Noncurrent loans to loans | 0.2348% | 6,222 |
| Net loans and leases to total assets | 67.8068% | 2,148 |
| Net loans and leases to deposits | 78.4180% | 2,430 |
| Net loans and leases to core deposits | 80.4952% | 3,010 |
| Total domestic deposits to total assets | 86.4685% | 3,264 |
| Equity capital to assets | 8.7732% | 5,785 |
| Core capital (leverage) ratio | 8.7054% | 5,287 |
| Tier 1 risk-based capital ratio | 11.5077% | 6,279 |
| Total risk-based capital ratio | 12.6322% | 6,323 |
| Memoranda: | ||
| Average total assets | $111,991,500 | 4,653 |
| Average earning assets | $102,630,000 | 4,638 |
| Average equity | $9,975,000 | 5,050 |
| Average total loans | $78,649,500 | 4,163 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4392% | 1,328 |
| Cost of funding earning assets | 1.2566% | 1,695 |
| Net interest margin | 4.1827% | 2,115 |
| Noninterest income to average assets | 0.3887% | 4,717 |
| Noninterest expense to average assets | 2.5402% | 5,324 |
| Loan and lease loss provision to assets | 0.4634% | 2,292 |
| Net operating income to assets | 1.1725% | 1,596 |
| Return on assets (ROA) | 1.2134% | 1,584 |
| Pretax return on assets | 1.2682% | 2,246 |
| Return on Equity (ROE) | 13.4236% | 1,063 |
| Retained earnings to average equity (ytd only) | 5.6812% | 2,183 |
| Net charge-offs to loans | 0.5272% | 2,892 |
| Credit loss provision to net charge-offs | 125.6410% | 2,490 |
| Earnings coverage of net charge-offs (x) | 4.5795% | 3,058 |
| Efficiency ratio | 60.0626% | 5,747 |
| Assets per employee ($millions) | 3.3933% | 5,265 |
| Cash dividends to net income (ytd only)* | 57.6773% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 5,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 6,408 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 71.1372% | 1,798 |
| Net loans and leases to deposits | 82.8631% | 2,085 |
| Net loans and leases to core deposits | 86.5413% | 2,564 |
| Total domestic deposits to total assets | 85.8490% | 3,402 |
| Equity capital to assets | 9.0490% | 5,494 |
| Core capital (leverage) ratio | 8.8964% | 4,949 |
| Tier 1 risk-based capital ratio | 11.4296% | 6,201 |
| Total risk-based capital ratio | 12.4634% | 6,315 |
| Memoranda: | ||
| Average total assets | $105,738,800 | 4,738 |
| Average earning assets | $97,090,600 | 4,709 |
| Average equity | $9,557,800 | 5,134 |
| Average total loans | $73,972,000 | 4,350 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4139% | 1,474 |
| Cost of funding earning assets | 1.2809% | 1,812 |
| Net interest margin | 4.1329% | 2,337 |
| Noninterest income to average assets | 0.3491% | 5,063 |
| Noninterest expense to average assets | 2.4603% | 5,594 |
| Loan and lease loss provision to assets | 0.5078% | 1,953 |
| Net operating income to assets | 1.1379% | 1,849 |
| Return on assets (ROA) | 1.1933% | 1,784 |
| Pretax return on assets | 1.2352% | 2,505 |
| Return on Equity (ROE) | 13.2055% | 1,227 |
| Retained earnings to average equity (ytd only) | 6.8135% | 2,071 |
| Net charge-offs to loans | 0.5685% | 2,534 |
| Credit loss provision to net charge-offs | 128.6174% | 2,478 |
| Earnings coverage of net charge-offs (x) | 4.2701% | 3,123 |
| Efficiency ratio | 59.3386% | 5,819 |
| Assets per employee ($millions) | 3.2988% | 5,483 |
| Cash dividends to net income (ytd only)* | 48.4042% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 5,889 |
| Loan loss allowance to noncurrent loans | 394.3925% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 5,413 |
| Noncurrent loans to loans | 0.2790% | 6,305 |
| Net loans and leases to total assets | 71.8520% | 1,740 |
| Net loans and leases to deposits | 83.8811% | 2,023 |
| Net loans and leases to core deposits | 88.0754% | 2,479 |
| Total domestic deposits to total assets | 85.6593% | 3,409 |
| Equity capital to assets | 9.3340% | 5,326 |
| Core capital (leverage) ratio | 8.9471% | 5,018 |
| Tier 1 risk-based capital ratio | 11.5499% | 6,212 |
| Total risk-based capital ratio | 12.5886% | 6,327 |
| Memoranda: | ||
| Average total assets | $105,027,000 | 4,789 |
| Average earning assets | $96,490,500 | 4,760 |
| Average equity | $9,490,750 | 5,178 |
| Average total loans | $72,940,250 | 4,421 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3006% | 1,891 |
| Cost of funding earning assets | 1.3070% | 1,896 |
| Net interest margin | 3.9936% | 2,868 |
| Noninterest income to average assets | 0.3586% | 5,018 |
| Noninterest expense to average assets | 2.4645% | 5,651 |
| Loan and lease loss provision to assets | 0.5913% | 1,636 |
| Net operating income to assets | 0.9563% | 2,411 |
| Return on assets (ROA) | 1.0396% | 2,166 |
| Pretax return on assets | 1.0663% | 2,979 |
| Return on Equity (ROE) | 11.6329% | 1,594 |
| Retained earnings to average equity (ytd only) | 6.9370% | 1,909 |
| Net charge-offs to loans | 0.8286% | 1,850 |
| Credit loss provision to net charge-offs | 104.3771% | 2,961 |
| Earnings coverage of net charge-offs (x) | 2.7744% | 3,459 |
| Efficiency ratio | 61.0586% | 5,722 |
| Assets per employee ($millions) | 3.3066% | 5,411 |
| Cash dividends to net income (ytd only)* | 40.3670% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 6,182 |
| Loan loss allowance to noncurrent loans | 389.8477% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 5,501 |
| Noncurrent loans to loans | 0.2669% | 6,393 |
| Net loans and leases to total assets | 69.0322% | 2,407 |
| Net loans and leases to deposits | 80.4350% | 2,717 |
| Net loans and leases to core deposits | 83.0950% | 3,352 |
| Total domestic deposits to total assets | 85.8236% | 3,427 |
| Equity capital to assets | 9.0587% | 5,495 |
| Core capital (leverage) ratio | 8.8043% | 5,040 |
| Tier 1 risk-based capital ratio | 11.7319% | 5,988 |
| Total risk-based capital ratio | 12.7087% | 6,191 |
| Memoranda: | ||
| Average total assets | $104,849,330 | 4,836 |
| Average earning assets | $96,555,670 | 4,795 |
| Average equity | $9,370,000 | 5,217 |
| Average total loans | $71,690,000 | 4,512 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2112% | 2,183 |
| Cost of funding earning assets | 1.3153% | 2,098 |
| Net interest margin | 3.8958% | 3,162 |
| Noninterest income to average assets | 0.3986% | 4,705 |
| Noninterest expense to average assets | 2.4222% | 5,823 |
| Loan and lease loss provision to assets | 0.3449% | 2,494 |
| Net operating income to assets | 1.1996% | 1,522 |
| Return on assets (ROA) | 1.1996% | 1,569 |
| Pretax return on assets | 1.2073% | 2,349 |
| Return on Equity (ROE) | 13.5169% | 1,084 |
| Retained earnings to average equity (ytd only) | 8.7665% | 1,468 |
| Net charge-offs to loans | 0.7872% | 1,642 |
| Credit loss provision to net charge-offs | 64.7482% | 3,456 |
| Earnings coverage of net charge-offs (x) | 2.9137% | 2,921 |
| Efficiency ratio | 60.9450% | 5,841 |
| Assets per employee ($millions) | 3.4462% | 5,133 |
| Cash dividends to net income (ytd only)* | 35.1438% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 6,390 |
| Loan loss allowance to noncurrent loans | 93.3862% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.8462% | 5,210 |
| Noncurrent loans to loans | 1.0742% | 4,902 |
| Net loans and leases to total assets | 65.2136% | 3,193 |
| Net loans and leases to deposits | 74.8405% | 3,622 |
| Net loans and leases to core deposits | 77.2521% | 4,121 |
| Total domestic deposits to total assets | 87.1368% | 2,867 |
| Equity capital to assets | 8.7811% | 5,522 |
| Core capital (leverage) ratio | 8.6811% | 5,117 |
| Tier 1 risk-based capital ratio | 12.0938% | 5,606 |
| Total risk-based capital ratio | 13.0318% | 5,879 |
| Memoranda: | ||
| Average total assets | $104,369,000 | 4,880 |
| Average earning assets | $95,794,500 | 4,857 |
| Average equity | $9,262,500 | 5,244 |
| Average total loans | $70,629,500 | 4,598 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 1,886 |
| Cost of funding earning assets | 1.5159% | 2,551 |
| Net interest margin | 4.0842% | 2,643 |
| Noninterest income to average assets | 0.2988% | 5,658 |
| Noninterest expense to average assets | 2.5395% | 5,648 |
| Loan and lease loss provision to assets | 0.4152% | 3,618 |
| Net operating income to assets | 1.0205% | 1,966 |
| Return on assets (ROA) | 1.0852% | 1,834 |
| Pretax return on assets | 1.1439% | 2,422 |
| Return on Equity (ROE) | 11.4524% | 1,468 |
| Retained earnings to average equity (ytd only) | 5.2006% | 2,307 |
| Net charge-offs to loans | 0.5678% | 3,348 |
| Credit loss provision to net charge-offs | 111.8644% | 3,914 |
| Earnings coverage of net charge-offs (x) | 4.0169% | 3,102 |
| Efficiency ratio | 63.0073% | 5,511 |
| Assets per employee ($millions) | 3.3969% | 5,177 |
| Cash dividends to net income (ytd only)* | 54.5894% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 6,091 |
| Loan loss allowance to noncurrent loans | 81.5335% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.2355% | 4,551 |
| Noncurrent loans to loans | 1.3064% | 4,532 |
| Net loans and leases to total assets | 68.8173% | 2,784 |
| Net loans and leases to deposits | 80.1777% | 3,140 |
| Net loans and leases to core deposits | 84.0714% | 3,587 |
| Total domestic deposits to total assets | 85.8311% | 3,441 |
| Equity capital to assets | 8.9730% | 5,185 |
| Core capital (leverage) ratio | 8.9115% | 4,675 |
| Tier 1 risk-based capital ratio | 11.6494% | 5,773 |
| Total risk-based capital ratio | 12.6378% | 5,996 |
| Memoranda: | ||
| Average total assets | $95,372,000 | 5,118 |
| Average earning assets | $87,140,200 | 5,112 |
| Average equity | $9,037,400 | 5,410 |
| Average total loans | $62,344,400 | 4,980 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6301% | 1,944 |
| Cost of funding earning assets | 1.5779% | 2,521 |
| Net interest margin | 4.0522% | 2,848 |
| Noninterest income to average assets | 0.2589% | 6,048 |
| Noninterest expense to average assets | 2.5048% | 5,706 |
| Loan and lease loss provision to assets | 0.3200% | 4,030 |
| Net operating income to assets | 1.0604% | 2,036 |
| Return on assets (ROA) | 1.1464% | 1,848 |
| Pretax return on assets | 1.2303% | 2,390 |
| Return on Equity (ROE) | 11.9262% | 1,524 |
| Retained earnings to average equity (ytd only) | 6.8953% | 1,906 |
| Net charge-offs to loans | 0.4362% | 3,553 |
| Credit loss provision to net charge-offs | 114.2132% | 3,664 |
| Earnings coverage of net charge-offs (x) | 5.2030% | 2,816 |
| Efficiency ratio | 63.2089% | 5,403 |
| Assets per employee ($millions) | 3.2036% | 5,670 |
| Cash dividends to net income (ytd only)* | 42.1834% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 6,009 |
| Loan loss allowance to noncurrent loans | 69.7740% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.5545% | 4,114 |
| Noncurrent loans to loans | 1.5542% | 4,307 |
| Net loans and leases to total assets | 70.3264% | 2,658 |
| Net loans and leases to deposits | 82.8857% | 2,935 |
| Net loans and leases to core deposits | 87.3470% | 3,466 |
| Total domestic deposits to total assets | 84.8474% | 3,697 |
| Equity capital to assets | 9.6401% | 4,639 |
| Core capital (leverage) ratio | 9.5029% | 3,897 |
| Tier 1 risk-based capital ratio | 11.9592% | 5,501 |
| Total risk-based capital ratio | 12.9554% | 5,700 |
| Memoranda: | ||
| Average total assets | $93,738,500 | 5,226 |
| Average earning assets | $85,679,500 | 5,215 |
| Average equity | $9,010,750 | 5,497 |
| Average total loans | $60,209,500 | 5,139 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8022% | 1,421 |
| Cost of funding earning assets | 1.6504% | 2,385 |
| Net interest margin | 4.1518% | 2,329 |
| Noninterest income to average assets | 0.1700% | 6,690 |
| Noninterest expense to average assets | 2.4465% | 5,923 |
| Loan and lease loss provision to assets | 0.2905% | 4,058 |
| Net operating income to assets | 1.1410% | 1,724 |
| Return on assets (ROA) | 1.2631% | 1,466 |
| Pretax return on assets | 1.3534% | 1,938 |
| Return on Equity (ROE) | 13.1526% | 1,201 |
| Retained earnings to average equity (ytd only) | 7.7750% | 1,520 |
| Net charge-offs to loans | 0.3374% | 3,645 |
| Credit loss provision to net charge-offs | 139.1753% | 2,883 |
| Earnings coverage of net charge-offs (x) | 7.2474% | 2,335 |
| Efficiency ratio | 61.7935% | 5,724 |
| Assets per employee ($millions) | 3.0906% | 5,943 |
| Cash dividends to net income (ytd only)* | 40.8859% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 4,837 |
| Loan loss allowance to noncurrent loans | 175.4673% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.8434% | 5,428 |
| Noncurrent loans to loans | 0.7484% | 5,765 |
| Net loans and leases to total assets | 60.8713% | 4,893 |
| Net loans and leases to deposits | 71.1918% | 5,118 |
| Net loans and leases to core deposits | 73.8601% | 5,461 |
| Total domestic deposits to total assets | 85.5032% | 3,371 |
| Equity capital to assets | 9.8752% | 4,170 |
| Core capital (leverage) ratio | 9.4886% | 3,837 |
| Tier 1 risk-based capital ratio | 13.8850% | 3,811 |
| Total risk-based capital ratio | 15.0731% | 3,824 |
| Memoranda: | ||
| Average total assets | $92,948,330 | 5,279 |
| Average earning assets | $84,829,670 | 5,267 |
| Average equity | $8,926,000 | 5,521 |
| Average total loans | $57,502,330 | 5,291 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7235% | 1,692 |
| Cost of funding earning assets | 1.6848% | 2,462 |
| Net interest margin | 4.0388% | 2,704 |
| Noninterest income to average assets | 0.1633% | 6,805 |
| Noninterest expense to average assets | 2.3554% | 6,227 |
| Loan and lease loss provision to assets | 0.1934% | 4,564 |
| Net operating income to assets | 1.2810% | 1,336 |
| Return on assets (ROA) | 1.2851% | 1,400 |
| Pretax return on assets | 1.3281% | 1,974 |
| Return on Equity (ROE) | 13.5739% | 1,129 |
| Retained earnings to average equity (ytd only) | 11.3041% | 863 |
| Net charge-offs to loans | 0.1249% | 4,223 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 19.6111% | 1,189 |
| Efficiency ratio | 60.8213% | 6,029 |
| Assets per employee ($millions) | 3.3515% | 5,430 |
| Cash dividends to net income (ytd only)* | 16.7224% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 5,026 |
| Loan loss allowance to noncurrent loans | 162.9956% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.9250% | 5,298 |
| Noncurrent loans to loans | 0.7880% | 5,744 |
| Net loans and leases to total assets | 60.6083% | 5,018 |
| Net loans and leases to deposits | 70.0918% | 5,335 |
| Net loans and leases to core deposits | 72.0478% | 5,706 |
| Total domestic deposits to total assets | 86.4698% | 2,912 |
| Equity capital to assets | 9.5267% | 4,492 |
| Core capital (leverage) ratio | 9.2385% | 4,162 |
| Tier 1 risk-based capital ratio | 13.6378% | 3,902 |
| Total risk-based capital ratio | 14.8007% | 3,917 |
| Memoranda: | ||
| Average total assets | $93,064,000 | 5,348 |
| Average earning assets | $85,471,500 | 5,325 |
| Average equity | $8,811,000 | 5,588 |
| Average total loans | $57,659,000 | 5,352 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9527% | 2,046 |
| Cost of funding earning assets | 2.0340% | 2,799 |
| Net interest margin | 3.9186% | 3,195 |
| Noninterest income to average assets | 0.3140% | 5,833 |
| Noninterest expense to average assets | 2.5625% | 5,915 |
| Loan and lease loss provision to assets | 0.3926% | 4,441 |
| Net operating income to assets | 0.8771% | 2,257 |
| Return on assets (ROA) | 0.9797% | 1,963 |
| Pretax return on assets | 1.0514% | 2,405 |
| Return on Equity (ROE) | 10.2167% | 1,636 |
| Retained earnings to average equity (ytd only) | 5.7076% | 1,469 |
| Net charge-offs to loans | 0.4623% | 3,936 |
| Credit loss provision to net charge-offs | 133.2046% | 3,749 |
| Earnings coverage of net charge-offs (x) | 4.5251% | 2,916 |
| Efficiency ratio | 65.7710% | 5,437 |
| Assets per employee ($millions) | 3.1823% | 5,762 |
| Cash dividends to net income (ytd only)* | 44.1347% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 5,137 |
| Loan loss allowance to noncurrent loans | 219.3846% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 5,364 |
| Noncurrent loans to loans | 0.5632% | 6,121 |
| Net loans and leases to total assets | 61.7526% | 5,039 |
| Net loans and leases to deposits | 70.9913% | 5,469 |
| Net loans and leases to core deposits | 84.5722% | 5,667 |
| Total domestic deposits to total assets | 86.9861% | 2,516 |
| Equity capital to assets | 9.4077% | 4,542 |
| Core capital (leverage) ratio | 9.4427% | 3,789 |
| Tier 1 risk-based capital ratio | 13.3393% | 3,920 |
| Total risk-based capital ratio | 14.4677% | 3,946 |
| Memoranda: | ||
| Average total assets | $87,884,200 | 5,453 |
| Average earning assets | $80,333,800 | 5,447 |
| Average equity | $8,427,400 | 5,791 |
| Average total loans | $56,025,200 | 5,416 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9661% | 2,166 |
| Cost of funding earning assets | 2.1096% | 2,847 |
| Net interest margin | 3.8565% | 3,401 |
| Noninterest income to average assets | 0.3672% | 5,570 |
| Noninterest expense to average assets | 2.5964% | 5,723 |
| Loan and lease loss provision to assets | 0.3918% | 3,967 |
| Net operating income to assets | 0.8461% | 2,634 |
| Return on assets (ROA) | 0.9833% | 2,174 |
| Pretax return on assets | 1.0539% | 2,723 |
| Return on Equity (ROE) | 10.2025% | 1,845 |
| Retained earnings to average equity (ytd only) | 5.5796% | 2,164 |
| Net charge-offs to loans | 0.4604% | 3,387 |
| Credit loss provision to net charge-offs | 132.8125% | 3,768 |
| Earnings coverage of net charge-offs (x) | 4.4011% | 3,144 |
| Efficiency ratio | 66.6667% | 5,254 |
| Assets per employee ($millions) | 2.8969% | 6,418 |
| Cash dividends to net income (ytd only)* | 45.3130% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 5,042 |
| Loan loss allowance to noncurrent loans | 122.5577% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 4,577 |
| Noncurrent loans to loans | 0.9889% | 5,329 |
| Net loans and leases to total assets | 64.7182% | 4,706 |
| Net loans and leases to deposits | 74.9800% | 5,208 |
| Net loans and leases to core deposits | 90.0682% | 5,424 |
| Total domestic deposits to total assets | 86.3139% | 2,534 |
| Equity capital to assets | 9.8520% | 4,281 |
| Core capital (leverage) ratio | 9.4842% | 3,930 |
| Tier 1 risk-based capital ratio | 13.5012% | 3,847 |
| Total risk-based capital ratio | 14.6239% | 3,886 |
| Memoranda: | ||
| Average total assets | $86,783,750 | 5,525 |
| Average earning assets | $79,379,750 | 5,512 |
| Average equity | $8,363,750 | 5,866 |
| Average total loans | $55,606,000 | 5,476 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8960% | 2,603 |
| Cost of funding earning assets | 2.1417% | 3,079 |
| Net interest margin | 3.7543% | 3,735 |
| Noninterest income to average assets | 0.4173% | 5,142 |
| Noninterest expense to average assets | 2.5846% | 5,800 |
| Loan and lease loss provision to assets | 0.4035% | 3,509 |
| Net operating income to assets | 0.8017% | 2,849 |
| Return on assets (ROA) | 1.0076% | 2,172 |
| Pretax return on assets | 1.0860% | 2,686 |
| Return on Equity (ROE) | 10.5331% | 1,838 |
| Retained earnings to average equity (ytd only) | 5.7124% | 2,153 |
| Net charge-offs to loans | 0.4496% | 3,020 |
| Credit loss provision to net charge-offs | 141.1290% | 3,303 |
| Earnings coverage of net charge-offs (x) | 4.4355% | 3,096 |
| Efficiency ratio | 67.0856% | 5,347 |
| Assets per employee ($millions) | 2.8543% | 6,502 |
| Cash dividends to net income (ytd only)* | 45.7666% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 4,673 |
| Loan loss allowance to noncurrent loans | 118.5315% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 4,273 |
| Noncurrent loans to loans | 1.0456% | 5,123 |
| Net loans and leases to total assets | 61.0614% | 5,509 |
| Net loans and leases to deposits | 70.2460% | 5,964 |
| Net loans and leases to core deposits | 83.7244% | 6,110 |
| Total domestic deposits to total assets | 86.9252% | 2,294 |
| Equity capital to assets | 9.3137% | 4,847 |
| Core capital (leverage) ratio | 9.3397% | 4,116 |
| Tier 1 risk-based capital ratio | 13.6781% | 3,705 |
| Total risk-based capital ratio | 14.8112% | 3,710 |
| Memoranda: | ||
| Average total assets | $86,743,000 | 5,563 |
| Average earning assets | $79,375,330 | 5,551 |
| Average equity | $8,297,670 | 5,920 |
| Average total loans | $55,163,330 | 5,552 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9407% | 2,603 |
| Cost of funding earning assets | 2.1791% | 3,268 |
| Net interest margin | 3.7616% | 3,611 |
| Noninterest income to average assets | 0.5031% | 4,300 |
| Noninterest expense to average assets | 2.4781% | 5,921 |
| Loan and lease loss provision to assets | 0.3959% | 2,954 |
| Net operating income to assets | 1.0155% | 2,243 |
| Return on assets (ROA) | 1.0155% | 2,385 |
| Pretax return on assets | 1.0946% | 3,007 |
| Return on Equity (ROE) | 10.4732% | 2,141 |
| Retained earnings to average equity (ytd only) | 5.1886% | 3,019 |
| Net charge-offs to loans | 0.2022% | 3,422 |
| Credit loss provision to net charge-offs | 303.5714% | 1,596 |
| Earnings coverage of net charge-offs (x) | 11.4286% | 1,873 |
| Efficiency ratio | 62.4413% | 5,972 |
| Assets per employee ($millions) | 2.8953% | 6,421 |
| Cash dividends to net income (ytd only)* | 50.4587% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 4,221 |
| Loan loss allowance to noncurrent loans | 81.0427% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.3597% | 3,942 |
| Noncurrent loans to loans | 1.5755% | 3,916 |
| Net loans and leases to total assets | 60.8872% | 5,512 |
| Net loans and leases to deposits | 69.4981% | 6,026 |
| Net loans and leases to core deposits | 82.0281% | 6,234 |
| Total domestic deposits to total assets | 87.6098% | 1,917 |
| Equity capital to assets | 9.6352% | 4,477 |
| Core capital (leverage) ratio | 9.3143% | 4,224 |
| Tier 1 risk-based capital ratio | 13.7737% | 3,710 |
| Total risk-based capital ratio | 14.9433% | 3,668 |
| Memoranda: | ||
| Average total assets | $85,873,000 | 5,609 |
| Average earning assets | $79,115,000 | 5,582 |
| Average equity | $8,326,000 | 5,944 |
| Average total loans | $55,391,500 | 5,569 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5571% | 2,684 |
| Cost of funding earning assets | 2.6872% | 3,222 |
| Net interest margin | 3.8700% | 3,706 |
| Noninterest income to average assets | 0.4391% | 5,124 |
| Noninterest expense to average assets | 2.4330% | 6,288 |
| Loan and lease loss provision to assets | 0.2752% | 4,193 |
| Net operating income to assets | 1.2075% | 1,744 |
| Return on assets (ROA) | 1.2334% | 1,618 |
| Pretax return on assets | 1.3109% | 2,275 |
| Return on Equity (ROE) | 12.7545% | 1,394 |
| Retained earnings to average equity (ytd only) | 6.5454% | 1,323 |
| Net charge-offs to loans | 0.3833% | 2,911 |
| Credit loss provision to net charge-offs | 107.8431% | 4,980 |
| Earnings coverage of net charge-offs (x) | 6.1078% | 3,438 |
| Efficiency ratio | 60.9527% | 6,173 |
| Assets per employee ($millions) | 2.6527% | 6,883 |
| Cash dividends to net income (ytd only)* | 48.6815% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 5,319 |
| Loan loss allowance to noncurrent loans | 113.7931% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.0461% | 4,204 |
| Noncurrent loans to loans | 0.9631% | 4,676 |
| Net loans and leases to total assets | 66.6604% | 4,715 |
| Net loans and leases to deposits | 76.1824% | 5,570 |
| Net loans and leases to core deposits | 89.3045% | 5,863 |
| Total domestic deposits to total assets | 87.5010% | 1,705 |
| Equity capital to assets | 9.7577% | 4,355 |
| Core capital (leverage) ratio | 9.7085% | 3,755 |
| Tier 1 risk-based capital ratio | 12.9992% | 4,111 |
| Total risk-based capital ratio | 14.0247% | 4,164 |
| Memoranda: | ||
| Average total assets | $79,943,000 | 5,710 |
| Average earning assets | $73,385,600 | 5,692 |
| Average equity | $7,730,600 | 6,195 |
| Average total loans | $53,217,600 | 5,566 |