Home > Valley State Bank > Performance and Condition Ratios
Valley 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 | 5.6665% | 966 |
| Cost of funding earning assets | 1.1256% | 3,002 |
| Net interest margin | 4.5409% | 574 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.2081% | 3,099 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.4401% | 1,136 |
| Return on assets (ROA) | 1.4401% | 1,106 |
| Pretax return on assets | 1.8398% | 844 |
| Return on Equity (ROE) | 9.5700% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.9882% | 1,259 |
| Net charge-offs to loans | 0.0641% | 1,208 |
| Credit loss provision to net charge-offs | 460.7843% | 717 |
| Earnings coverage of net charge-offs (x) | 58.7647% | 1,198 |
| Efficiency ratio | 52.5190% | 3,789 |
| Assets per employee ($millions) | 5.0746% | 3,576 |
| Cash dividends to net income (ytd only)* | 6.0592% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0959% | 324 |
| Loan loss allowance to noncurrent loans | 522.6006% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 2,163 |
| Noncurrent loans to loans | 0.4011% | 1,782 |
| Net loans and leases to total assets | 51.7900% | 3,491 |
| Net loans and leases to deposits | 61.7112% | 3,423 |
| Net loans and leases to core deposits | 73.3725% | 3,106 |
| Total domestic deposits to total assets | 83.9300% | 2,644 |
| Equity capital to assets | 15.8483% | 477 |
| Core capital (leverage) ratio | 17.1062% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $150,128,000 | 3,358 |
| Average earning assets | $132,109,000 | 3,428 |
| Average equity | $22,596,400 | 2,652 |
| Average total loans | $79,534,800 | 3,415 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4645% | 1,058 |
| Cost of funding earning assets | 1.0235% | 2,967 |
| Net interest margin | 4.4410% | 673 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.1613% | 3,175 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.4183% | 1,280 |
| Return on assets (ROA) | 1.4162% | 1,267 |
| Pretax return on assets | 1.8128% | 995 |
| Return on Equity (ROE) | 9.5400% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.7511% | 1,754 |
| Net charge-offs to loans | 0.0605% | 1,060 |
| Credit loss provision to net charge-offs | 486.1111% | 646 |
| Earnings coverage of net charge-offs (x) | 61.4444% | 1,191 |
| Efficiency ratio | 52.2967% | 3,738 |
| Assets per employee ($millions) | 5.2032% | 3,425 |
| Cash dividends to net income (ytd only)* | 8.2442% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0307% | 368 |
| Loan loss allowance to noncurrent loans | 1,133.1034% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 2,940 |
| Noncurrent loans to loans | 0.1792% | 2,649 |
| Net loans and leases to total assets | 52.5300% | 3,459 |
| Net loans and leases to deposits | 61.7815% | 3,413 |
| Net loans and leases to core deposits | 72.7816% | 3,064 |
| Total domestic deposits to total assets | 85.0300% | 2,490 |
| Equity capital to assets | 14.8086% | 552 |
| Core capital (leverage) ratio | 17.0979% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $149,600,750 | 3,374 |
| Average earning assets | $132,610,500 | 3,427 |
| Average equity | $22,213,750 | 2,667 |
| Average total loans | $79,284,250 | 3,429 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3446% | 1,020 |
| Cost of funding earning assets | 0.8815% | 2,983 |
| Net interest margin | 4.4631% | 639 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.1532% | 3,207 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.4601% | 1,191 |
| Return on assets (ROA) | 1.4601% | 1,174 |
| Pretax return on assets | 1.8717% | 899 |
| Return on Equity (ROE) | 9.8200% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.6423% | 1,780 |
| Net charge-offs to loans | 0.0889% | 734 |
| Credit loss provision to net charge-offs | 328.5714% | 815 |
| Earnings coverage of net charge-offs (x) | 43.1714% | 1,364 |
| Efficiency ratio | 51.5239% | 3,812 |
| Assets per employee ($millions) | 5.3574% | 3,270 |
| Cash dividends to net income (ytd only)* | 12.0294% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 416 |
| Loan loss allowance to noncurrent loans | 502.8481% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 2,139 |
| Noncurrent loans to loans | 0.3977% | 1,738 |
| Net loans and leases to total assets | 51.9100% | 3,419 |
| Net loans and leases to deposits | 61.2391% | 3,349 |
| Net loans and leases to core deposits | 70.1021% | 3,125 |
| Total domestic deposits to total assets | 84.7700% | 2,602 |
| Equity capital to assets | 15.0801% | 517 |
| Core capital (leverage) ratio | 16.8024% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $149,170,333 | 3,387 |
| Average earning assets | $132,956,667 | 3,438 |
| Average equity | $22,170,000 | 2,677 |
| Average total loans | $78,743,000 | 3,434 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1338% | 1,042 |
| Cost of funding earning assets | 0.6737% | 3,144 |
| Net interest margin | 4.4601% | 617 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.1405% | 3,278 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.4984% | 1,190 |
| Return on assets (ROA) | 1.5005% | 1,165 |
| Pretax return on assets | 1.9280% | 874 |
| Return on Equity (ROE) | 10.1700% | 2,738 |
| Retained earnings to average equity (ytd only) | 7.7833% | 2,288 |
| Net charge-offs to loans | 0.1633% | 433 |
| Credit loss provision to net charge-offs | 171.8750% | 893 |
| Earnings coverage of net charge-offs (x) | 24.0938% | 1,393 |
| Efficiency ratio | 50.7977% | 3,871 |
| Assets per employee ($millions) | 5.2362% | 3,473 |
| Cash dividends to net income (ytd only)* | 23.4767% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9727% | 462 |
| Loan loss allowance to noncurrent loans | 507.2848% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 2,142 |
| Noncurrent loans to loans | 0.3889% | 1,762 |
| Net loans and leases to total assets | 50.1300% | 3,484 |
| Net loans and leases to deposits | 58.9082% | 3,403 |
| Net loans and leases to core deposits | 66.5402% | 3,183 |
| Total domestic deposits to total assets | 85.1100% | 2,832 |
| Equity capital to assets | 14.6861% | 507 |
| Core capital (leverage) ratio | 16.6542% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $148,752,500 | 3,439 |
| Average earning assets | $133,000,500 | 3,483 |
| Average equity | $21,944,500 | 2,723 |
| Average total loans | $78,386,000 | 3,476 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9696% | 1,796 |
| Cost of funding earning assets | 0.3256% | 2,677 |
| Net interest margin | 3.6440% | 1,509 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.1083% | 3,268 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0040% | 2,553 |
| Return on assets (ROA) | 0.9997% | 2,519 |
| Pretax return on assets | 1.2706% | 2,199 |
| Return on Equity (ROE) | 6.7200% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.1314% | 2,598 |
| Net charge-offs to loans | 0.0053% | 2,240 |
| Credit loss provision to net charge-offs | 2,250.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 494.7500% | 333 |
| Efficiency ratio | 61.1961% | 2,884 |
| Assets per employee ($millions) | 5.0226% | 3,663 |
| Cash dividends to net income (ytd only)* | 8.7162% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9113% | 524 |
| Loan loss allowance to noncurrent loans | 325.8621% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 1,588 |
| Noncurrent loans to loans | 0.5865% | 1,273 |
| Net loans and leases to total assets | 53.2800% | 3,256 |
| Net loans and leases to deposits | 62.5962% | 3,146 |
| Net loans and leases to core deposits | 69.5447% | 2,912 |
| Total domestic deposits to total assets | 85.1100% | 2,966 |
| Equity capital to assets | 14.8214% | 486 |
| Core capital (leverage) ratio | 16.3104% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $148,037,400 | 3,463 |
| Average earning assets | $132,053,600 | 3,505 |
| Average equity | $22,034,200 | 2,769 |
| Average total loans | $74,917,200 | 3,491 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 2,038 |
| Cost of funding earning assets | 0.2783% | 2,402 |
| Net interest margin | 3.4258% | 1,888 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.0453% | 3,367 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9043% | 2,850 |
| Return on assets (ROA) | 0.8979% | 2,851 |
| Pretax return on assets | 1.1312% | 2,626 |
| Return on Equity (ROE) | 6.0300% | 3,794 |
| Retained earnings to average equity (ytd only) | 5.2499% | 3,006 |
| Net charge-offs to loans | 0.0072% | 1,878 |
| Credit loss provision to net charge-offs | 1,125.0000% | 379 |
| Earnings coverage of net charge-offs (x) | 328.7500% | 442 |
| Efficiency ratio | 63.4214% | 2,633 |
| Assets per employee ($millions) | 5.3010% | 3,414 |
| Cash dividends to net income (ytd only)* | 12.8871% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9278% | 570 |
| Loan loss allowance to noncurrent loans | 544.9814% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 2,259 |
| Noncurrent loans to loans | 0.3537% | 1,967 |
| Net loans and leases to total assets | 50.2500% | 3,435 |
| Net loans and leases to deposits | 58.5593% | 3,307 |
| Net loans and leases to core deposits | 64.9923% | 3,028 |
| Total domestic deposits to total assets | 85.8000% | 3,111 |
| Equity capital to assets | 14.1180% | 556 |
| Core capital (leverage) ratio | 15.9759% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $148,633,250 | 3,482 |
| Average earning assets | $131,275,750 | 3,531 |
| Average equity | $22,145,750 | 2,807 |
| Average total loans | $73,869,000 | 3,520 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4590% | 2,259 |
| Cost of funding earning assets | 0.2529% | 2,225 |
| Net interest margin | 3.2060% | 2,165 |
| Noninterest income to average assets | 0.2058% | 3,962 |
| Noninterest expense to average assets | 2.0202% | 3,380 |
| Loan and lease loss provision to assets | 0.0403% | 1,861 |
| Net operating income to assets | 0.7804% | 3,028 |
| Return on assets (ROA) | 0.7761% | 3,006 |
| Pretax return on assets | 0.9697% | 2,830 |
| Return on Equity (ROE) | 5.1192% | 3,786 |
| Retained earnings to average equity (ytd only) | 3.9747% | 3,091 |
| Net charge-offs to loans | 0.0109% | 1,574 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 188.7500% | 558 |
| Efficiency ratio | 66.5485% | 2,435 |
| Assets per employee ($millions) | 5.2284% | 3,491 |
| Cash dividends to net income (ytd only)* | 22.3570% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9745% | 583 |
| Loan loss allowance to noncurrent loans | 361.4428% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 1,875 |
| Noncurrent loans to loans | 0.5463% | 1,523 |
| Net loans and leases to total assets | 47.5766% | 3,587 |
| Net loans and leases to deposits | 55.2397% | 3,445 |
| Net loans and leases to core deposits | 63.9892% | 2,970 |
| Total domestic deposits to total assets | 86.1274% | 3,214 |
| Equity capital to assets | 13.8119% | 546 |
| Core capital (leverage) ratio | 15.8717% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,701,667 | 3,514 |
| Average earning assets | $131,253,667 | 3,582 |
| Average equity | $22,542,667 | 2,852 |
| Average total loans | $73,143,333 | 3,569 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3429% | 2,262 |
| Cost of funding earning assets | 0.2316% | 2,376 |
| Net interest margin | 3.1113% | 2,133 |
| Noninterest income to average assets | 0.2336% | 3,745 |
| Noninterest expense to average assets | 2.0809% | 3,219 |
| Loan and lease loss provision to assets | 0.0407% | 1,624 |
| Net operating income to assets | 0.7167% | 2,996 |
| Return on assets (ROA) | 0.7145% | 2,990 |
| Pretax return on assets | 0.8829% | 2,842 |
| Return on Equity (ROE) | 4.5067% | 3,759 |
| Retained earnings to average equity (ytd only) | 2.2962% | 3,465 |
| Net charge-offs to loans | 0.0274% | 1,044 |
| Credit loss provision to net charge-offs | 300.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 68.2000% | 807 |
| Efficiency ratio | 69.1960% | 2,347 |
| Assets per employee ($millions) | 5.2768% | 3,509 |
| Cash dividends to net income (ytd only)* | 49.0494% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9615% | 667 |
| Loan loss allowance to noncurrent loans | 487.4576% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 2,432 |
| Noncurrent loans to loans | 0.4024% | 2,054 |
| Net loans and leases to total assets | 48.6447% | 3,319 |
| Net loans and leases to deposits | 57.4231% | 3,133 |
| Net loans and leases to core deposits | 67.6305% | 2,486 |
| Total domestic deposits to total assets | 84.7128% | 3,610 |
| Equity capital to assets | 15.1633% | 381 |
| Core capital (leverage) ratio | 16.1966% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,241,000 | 3,538 |
| Average earning assets | $131,265,000 | 3,600 |
| Average equity | $23,343,000 | 2,881 |
| Average total loans | $72,920,000 | 3,573 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5721% | 2,456 |
| Cost of funding earning assets | 0.2583% | 2,829 |
| Net interest margin | 3.3137% | 2,274 |
| Noninterest income to average assets | 0.1804% | 4,252 |
| Noninterest expense to average assets | 2.0513% | 3,528 |
| Loan and lease loss provision to assets | 0.0495% | 2,065 |
| Net operating income to assets | 0.8316% | 3,230 |
| Return on assets (ROA) | 0.8357% | 3,294 |
| Pretax return on assets | 1.0345% | 3,170 |
| Return on Equity (ROE) | 4.9257% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.3918% | 3,059 |
| Net charge-offs to loans | -0.0072% | 3,646 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5289% | 2,332 |
| Assets per employee ($millions) | 5.0597% | 3,683 |
| Cash dividends to net income (ytd only)* | 10.8383% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9689% | 638 |
| Loan loss allowance to noncurrent loans | 389.1008% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 2,320 |
| Noncurrent loans to loans | 0.5060% | 1,856 |
| Net loans and leases to total assets | 48.4567% | 3,458 |
| Net loans and leases to deposits | 58.0962% | 3,250 |
| Net loans and leases to core deposits | 69.5623% | 2,497 |
| Total domestic deposits to total assets | 83.4077% | 3,719 |
| Equity capital to assets | 16.5487% | 323 |
| Core capital (leverage) ratio | 16.1726% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,325,600 | 3,572 |
| Average earning assets | $125,809,400 | 3,619 |
| Average equity | $23,976,400 | 2,915 |
| Average total loans | $69,062,200 | 3,668 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 2,524 |
| Cost of funding earning assets | 0.2644% | 2,966 |
| Net interest margin | 3.3477% | 2,298 |
| Noninterest income to average assets | 0.1915% | 4,248 |
| Noninterest expense to average assets | 2.0365% | 3,567 |
| Loan and lease loss provision to assets | 0.0522% | 1,945 |
| Net operating income to assets | 0.8580% | 3,358 |
| Return on assets (ROA) | 0.8573% | 3,433 |
| Pretax return on assets | 1.0687% | 3,275 |
| Return on Equity (ROE) | 5.0208% | 4,114 |
| Retained earnings to average equity (ytd only) | 4.3067% | 3,476 |
| Net charge-offs to loans | -0.0059% | 3,485 |
| Credit loss provision to net charge-offs | -1,833.3333% | 3,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4753% | 2,320 |
| Assets per employee ($millions) | 5.2913% | 3,414 |
| Cash dividends to net income (ytd only)* | 14.2222% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0348% | 593 |
| Loan loss allowance to noncurrent loans | 419.5846% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 2,640 |
| Noncurrent loans to loans | 0.4849% | 2,100 |
| Net loans and leases to total assets | 45.9499% | 3,802 |
| Net loans and leases to deposits | 55.1145% | 3,643 |
| Net loans and leases to core deposits | 66.0483% | 2,953 |
| Total domestic deposits to total assets | 83.3717% | 3,617 |
| Equity capital to assets | 16.4710% | 371 |
| Core capital (leverage) ratio | 16.1355% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,974,250 | 3,627 |
| Average earning assets | $124,063,000 | 3,674 |
| Average equity | $23,900,000 | 2,950 |
| Average total loans | $68,195,500 | 3,742 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5603% | 2,743 |
| Cost of funding earning assets | 0.2657% | 3,126 |
| Net interest margin | 3.2946% | 2,455 |
| Noninterest income to average assets | 0.1749% | 4,330 |
| Noninterest expense to average assets | 2.0722% | 3,477 |
| Loan and lease loss provision to assets | 0.0583% | 1,867 |
| Net operating income to assets | 0.7691% | 3,598 |
| Return on assets (ROA) | 0.7680% | 3,664 |
| Pretax return on assets | 0.9516% | 3,543 |
| Return on Equity (ROE) | 4.4412% | 4,245 |
| Retained earnings to average equity (ytd only) | 3.3625% | 3,729 |
| Net charge-offs to loans | -0.0089% | 3,627 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2023% | 1,984 |
| Assets per employee ($millions) | 5.1413% | 3,522 |
| Cash dividends to net income (ytd only)* | 24.2884% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1037% | 501 |
| Loan loss allowance to noncurrent loans | 287.0637% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 2,241 |
| Noncurrent loans to loans | 0.7328% | 1,622 |
| Net loans and leases to total assets | 45.1909% | 3,962 |
| Net loans and leases to deposits | 54.3107% | 3,837 |
| Net loans and leases to core deposits | 65.3051% | 3,177 |
| Total domestic deposits to total assets | 83.2081% | 3,661 |
| Equity capital to assets | 16.6613% | 354 |
| Core capital (leverage) ratio | 16.5762% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,246,667 | 3,661 |
| Average earning assets | $121,169,000 | 3,719 |
| Average equity | $23,732,333 | 2,957 |
| Average total loans | $67,763,333 | 3,768 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 2,487 |
| Cost of funding earning assets | 0.2753% | 3,219 |
| Net interest margin | 3.3781% | 2,165 |
| Noninterest income to average assets | 0.1912% | 4,240 |
| Noninterest expense to average assets | 2.1331% | 3,317 |
| Loan and lease loss provision to assets | 0.0747% | 1,693 |
| Net operating income to assets | 0.7702% | 3,514 |
| Return on assets (ROA) | 0.7678% | 3,594 |
| Pretax return on assets | 0.9500% | 3,495 |
| Return on Equity (ROE) | 4.3548% | 4,214 |
| Retained earnings to average equity (ytd only) | 2.1859% | 3,969 |
| Net charge-offs to loans | -0.0175% | 3,929 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4858% | 2,011 |
| Assets per employee ($millions) | 5.0582% | 3,586 |
| Cash dividends to net income (ytd only)* | 49.8054% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0314% | 558 |
| Loan loss allowance to noncurrent loans | 457.9470% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 3,046 |
| Noncurrent loans to loans | 0.4436% | 2,525 |
| Net loans and leases to total assets | 48.8365% | 3,728 |
| Net loans and leases to deposits | 59.0004% | 3,563 |
| Net loans and leases to core deposits | 71.8014% | 2,715 |
| Total domestic deposits to total assets | 82.7732% | 3,746 |
| Equity capital to assets | 17.0657% | 306 |
| Core capital (leverage) ratio | 17.3088% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.9240% | 162 |
| Memoranda: | ||
| Average total assets | $133,892,000 | 3,698 |
| Average earning assets | $117,700,000 | 3,766 |
| Average equity | $23,606,000 | 2,956 |
| Average total loans | $68,418,500 | 3,767 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9242% | 2,958 |
| Cost of funding earning assets | 0.4994% | 2,949 |
| Net interest margin | 3.4248% | 2,692 |
| Noninterest income to average assets | 0.1724% | 4,421 |
| Noninterest expense to average assets | 2.1072% | 3,920 |
| Loan and lease loss provision to assets | 0.1170% | 2,893 |
| Net operating income to assets | 0.7996% | 3,097 |
| Return on assets (ROA) | 0.9203% | 2,746 |
| Pretax return on assets | 1.1293% | 2,589 |
| Return on Equity (ROE) | 5.0746% | 3,885 |
| Retained earnings to average equity (ytd only) | 4.5284% | 2,516 |
| Net charge-offs to loans | -0.0072% | 4,201 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7581% | 2,567 |
| Assets per employee ($millions) | 5.2485% | 3,093 |
| Cash dividends to net income (ytd only)* | 10.7627% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9722% | 629 |
| Loan loss allowance to noncurrent loans | 597.3568% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 3,410 |
| Noncurrent loans to loans | 0.3301% | 3,026 |
| Net loans and leases to total assets | 51.3680% | 3,714 |
| Net loans and leases to deposits | 62.9745% | 3,521 |
| Net loans and leases to core deposits | 77.5187% | 2,592 |
| Total domestic deposits to total assets | 81.5695% | 3,751 |
| Equity capital to assets | 18.2186% | 258 |
| Core capital (leverage) ratio | 17.7289% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4991% | 157 |
| Memoranda: | ||
| Average total assets | $128,224,800 | 3,649 |
| Average earning assets | $113,525,200 | 3,717 |
| Average equity | $23,253,200 | 2,921 |
| Average total loans | $69,119,600 | 3,755 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 3,264 |
| Cost of funding earning assets | 0.5612% | 2,860 |
| Net interest margin | 3.3353% | 3,086 |
| Noninterest income to average assets | 0.1747% | 4,417 |
| Noninterest expense to average assets | 2.1085% | 3,924 |
| Loan and lease loss provision to assets | 0.1098% | 2,949 |
| Net operating income to assets | 0.7544% | 3,273 |
| Return on assets (ROA) | 0.9162% | 2,767 |
| Pretax return on assets | 1.1275% | 2,653 |
| Return on Equity (ROE) | 5.0583% | 3,878 |
| Retained earnings to average equity (ytd only) | 4.3249% | 2,882 |
| Net charge-offs to loans | -0.0077% | 4,164 |
| Credit loss provision to net charge-offs | -2,625.0000% | 4,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0213% | 2,313 |
| Assets per employee ($millions) | 4.9540% | 3,305 |
| Cash dividends to net income (ytd only)* | 14.4977% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 580 |
| Loan loss allowance to noncurrent loans | 569.2641% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 3,534 |
| Noncurrent loans to loans | 0.3344% | 3,082 |
| Net loans and leases to total assets | 52.6114% | 3,920 |
| Net loans and leases to deposits | 64.6477% | 3,744 |
| Net loans and leases to core deposits | 80.2998% | 2,816 |
| Total domestic deposits to total assets | 81.3816% | 3,571 |
| Equity capital to assets | 18.3691% | 279 |
| Core capital (leverage) ratio | 17.5680% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,478,000 | 3,649 |
| Average earning assets | $113,571,000 | 3,705 |
| Average equity | $23,090,250 | 2,930 |
| Average total loans | $69,210,250 | 3,762 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 3,132 |
| Cost of funding earning assets | 0.6512% | 2,692 |
| Net interest margin | 3.4182% | 3,041 |
| Noninterest income to average assets | 0.1779% | 4,401 |
| Noninterest expense to average assets | 2.1191% | 3,988 |
| Loan and lease loss provision to assets | 0.0945% | 3,091 |
| Net operating income to assets | 0.7987% | 3,050 |
| Return on assets (ROA) | 1.0422% | 2,311 |
| Pretax return on assets | 1.2815% | 2,095 |
| Return on Equity (ROE) | 5.7816% | 3,585 |
| Retained earnings to average equity (ytd only) | 4.6724% | 2,623 |
| Net charge-offs to loans | -0.0202% | 4,406 |
| Credit loss provision to net charge-offs | -857.1429% | 3,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3381% | 2,465 |
| Assets per employee ($millions) | 5.0162% | 3,155 |
| Cash dividends to net income (ytd only)* | 19.1843% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 661 |
| Loan loss allowance to noncurrent loans | 503.1621% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 3,559 |
| Noncurrent loans to loans | 0.3563% | 3,125 |
| Net loans and leases to total assets | 53.4634% | 3,919 |
| Net loans and leases to deposits | 65.3759% | 3,772 |
| Net loans and leases to core deposits | 80.9426% | 2,875 |
| Total domestic deposits to total assets | 81.7784% | 3,429 |
| Equity capital to assets | 17.9234% | 306 |
| Core capital (leverage) ratio | 17.4990% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4082% | 192 |
| Memoranda: | ||
| Average total assets | $127,036,333 | 3,632 |
| Average earning assets | $112,105,667 | 3,708 |
| Average equity | $22,900,333 | 2,934 |
| Average total loans | $69,253,667 | 3,769 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 3,004 |
| Cost of funding earning assets | 0.8021% | 2,383 |
| Net interest margin | 3.4674% | 3,093 |
| Noninterest income to average assets | 0.2042% | 4,328 |
| Noninterest expense to average assets | 2.1030% | 4,212 |
| Loan and lease loss provision to assets | 0.0479% | 3,179 |
| Net operating income to assets | 0.8870% | 2,561 |
| Return on assets (ROA) | 1.4265% | 1,002 |
| Pretax return on assets | 1.8126% | 679 |
| Return on Equity (ROE) | 7.8897% | 2,565 |
| Retained earnings to average equity (ytd only) | 5.6481% | 2,017 |
| Net charge-offs to loans | -0.0234% | 4,389 |
| Credit loss provision to net charge-offs | -375.0000% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1051% | 3,218 |
| Assets per employee ($millions) | 4.5898% | 3,142 |
| Cash dividends to net income (ytd only)* | 28.4116% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 726 |
| Loan loss allowance to noncurrent loans | 658.6022% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 3,898 |
| Noncurrent loans to loans | 0.2712% | 3,524 |
| Net loans and leases to total assets | 54.3458% | 3,959 |
| Net loans and leases to deposits | 66.7255% | 3,816 |
| Net loans and leases to core deposits | 83.5500% | 2,888 |
| Total domestic deposits to total assets | 81.4468% | 3,560 |
| Equity capital to assets | 18.3482% | 330 |
| Core capital (leverage) ratio | 17.7791% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,343,500 | 3,634 |
| Average earning assets | $111,207,000 | 3,701 |
| Average equity | $22,662,500 | 2,952 |
| Average total loans | $68,380,000 | 3,794 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 2,606 |
| Cost of funding earning assets | 1.0321% | 1,588 |
| Net interest margin | 3.5708% | 3,226 |
| Noninterest income to average assets | 0.1978% | 4,477 |
| Noninterest expense to average assets | 2.1142% | 4,332 |
| Loan and lease loss provision to assets | 0.1054% | 1,965 |
| Net operating income to assets | 0.9146% | 3,153 |
| Return on assets (ROA) | 0.9152% | 3,224 |
| Pretax return on assets | 1.1341% | 3,061 |
| Return on Equity (ROE) | 5.1561% | 4,167 |
| Retained earnings to average equity (ytd only) | 4.5761% | 2,664 |
| Net charge-offs to loans | 0.0358% | 2,671 |
| Credit loss provision to net charge-offs | 565.2174% | 537 |
| Earnings coverage of net charge-offs (x) | 66.4348% | 914 |
| Efficiency ratio | 63.0561% | 3,214 |
| Assets per employee ($millions) | 4.6949% | 2,952 |
| Cash dividends to net income (ytd only)* | 11.2489% | 3,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7687% | 700 |
| Loan loss allowance to noncurrent loans | 508.8608% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 3,717 |
| Noncurrent loans to loans | 0.3476% | 3,204 |
| Net loans and leases to total assets | 52.8400% | 4,162 |
| Net loans and leases to deposits | 64.5700% | 4,038 |
| Net loans and leases to core deposits | 85.1785% | 2,856 |
| Total domestic deposits to total assets | 81.8337% | 3,551 |
| Equity capital to assets | 17.8184% | 385 |
| Core capital (leverage) ratio | 17.5670% | 368 |
| Tier 1 risk-based capital ratio | 33.4866% | 373 |
| Total risk-based capital ratio | 34.7427% | 366 |
| Memoranda: | ||
| Average total assets | $123,359,200 | 3,651 |
| Average earning assets | $108,996,000 | 3,729 |
| Average equity | $21,896,400 | 2,971 |
| Average total loans | $64,172,800 | 3,902 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 2,523 |
| Cost of funding earning assets | 1.0345% | 1,608 |
| Net interest margin | 3.6268% | 3,180 |
| Noninterest income to average assets | 0.1981% | 4,533 |
| Noninterest expense to average assets | 2.1070% | 4,353 |
| Loan and lease loss provision to assets | 0.1415% | 1,361 |
| Net operating income to assets | 0.9273% | 3,246 |
| Return on assets (ROA) | 0.9273% | 3,317 |
| Pretax return on assets | 1.1395% | 3,171 |
| Return on Equity (ROE) | 5.2292% | 4,269 |
| Retained earnings to average equity (ytd only) | 4.4497% | 3,168 |
| Net charge-offs to loans | 0.0232% | 2,633 |
| Credit loss provision to net charge-offs | 1,181.8182% | 308 |
| Earnings coverage of net charge-offs (x) | 106.9727% | 714 |
| Efficiency ratio | 62.1908% | 3,300 |
| Assets per employee ($millions) | 4.4318% | 3,306 |
| Cash dividends to net income (ytd only)* | 14.9062% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 593 |
| Loan loss allowance to noncurrent loans | 541.5929% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 3,846 |
| Noncurrent loans to loans | 0.3434% | 3,305 |
| Net loans and leases to total assets | 52.0473% | 4,316 |
| Net loans and leases to deposits | 63.7433% | 4,187 |
| Net loans and leases to core deposits | 84.5400% | 3,042 |
| Total domestic deposits to total assets | 81.6514% | 3,573 |
| Equity capital to assets | 17.9924% | 392 |
| Core capital (leverage) ratio | 17.5054% | 391 |
| Tier 1 risk-based capital ratio | 34.3196% | 365 |
| Total risk-based capital ratio | 35.5766% | 358 |
| Memoranda: | ||
| Average total assets | $122,508,500 | 3,694 |
| Average earning assets | $107,750,500 | 3,794 |
| Average equity | $21,723,750 | 3,001 |
| Average total loans | $63,169,250 | 3,968 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 2,351 |
| Cost of funding earning assets | 1.0072% | 1,663 |
| Net interest margin | 3.6963% | 2,940 |
| Noninterest income to average assets | 0.2066% | 4,508 |
| Noninterest expense to average assets | 2.1134% | 4,395 |
| Loan and lease loss provision to assets | 0.1394% | 1,333 |
| Net operating income to assets | 0.9608% | 3,055 |
| Return on assets (ROA) | 0.9608% | 3,130 |
| Pretax return on assets | 1.1789% | 2,980 |
| Return on Equity (ROE) | 5.4454% | 4,223 |
| Retained earnings to average equity (ytd only) | 4.2653% | 3,119 |
| Net charge-offs to loans | -0.0128% | 4,400 |
| Credit loss provision to net charge-offs | -2,125.0000% | 4,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5862% | 3,491 |
| Assets per employee ($millions) | 4.5618% | 3,047 |
| Cash dividends to net income (ytd only)* | 21.6724% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 588 |
| Loan loss allowance to noncurrent loans | 184.8532% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 2,455 |
| Noncurrent loans to loans | 1.0154% | 1,617 |
| Net loans and leases to total assets | 50.7616% | 4,427 |
| Net loans and leases to deposits | 62.0936% | 4,327 |
| Net loans and leases to core deposits | 74.5525% | 3,856 |
| Total domestic deposits to total assets | 81.7501% | 3,591 |
| Equity capital to assets | 17.9154% | 391 |
| Core capital (leverage) ratio | 17.0173% | 432 |
| Tier 1 risk-based capital ratio | 34.3594% | 356 |
| Total risk-based capital ratio | 35.6160% | 351 |
| Memoranda: | ||
| Average total assets | $121,981,000 | 3,729 |
| Average earning assets | $106,431,000 | 3,833 |
| Average equity | $21,522,670 | 3,017 |
| Average total loans | $62,289,000 | 4,006 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6384% | 2,420 |
| Cost of funding earning assets | 0.9216% | 1,913 |
| Net interest margin | 3.7168% | 2,829 |
| Noninterest income to average assets | 0.2208% | 4,428 |
| Noninterest expense to average assets | 2.0892% | 4,477 |
| Loan and lease loss provision to assets | 0.1318% | 1,320 |
| Net operating income to assets | 0.9886% | 2,894 |
| Return on assets (ROA) | 0.9886% | 2,931 |
| Pretax return on assets | 1.2159% | 2,744 |
| Return on Equity (ROE) | 5.6468% | 4,138 |
| Retained earnings to average equity (ytd only) | 3.2563% | 3,622 |
| Net charge-offs to loans | -0.0130% | 4,330 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7862% | 3,706 |
| Assets per employee ($millions) | 4.6385% | 2,992 |
| Cash dividends to net income (ytd only)* | 42.3333% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 684 |
| Loan loss allowance to noncurrent loans | 205.5357% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 2,810 |
| Noncurrent loans to loans | 0.8849% | 1,884 |
| Net loans and leases to total assets | 49.6115% | 4,493 |
| Net loans and leases to deposits | 60.0661% | 4,409 |
| Net loans and leases to core deposits | 70.6868% | 4,040 |
| Total domestic deposits to total assets | 82.5949% | 3,542 |
| Equity capital to assets | 17.1185% | 437 |
| Core capital (leverage) ratio | 17.4565% | 379 |
| Tier 1 risk-based capital ratio | 34.1238% | 350 |
| Total risk-based capital ratio | 35.3804% | 344 |
| Memoranda: | ||
| Average total assets | $121,387,500 | 3,780 |
| Average earning assets | $105,036,000 | 3,900 |
| Average equity | $21,251,000 | 3,049 |
| Average total loans | $61,574,500 | 4,059 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0045% | 4,015 |
| Cost of funding earning assets | 0.5809% | 2,847 |
| Net interest margin | 3.4236% | 3,930 |
| Noninterest income to average assets | 0.1918% | 4,755 |
| Noninterest expense to average assets | 2.0273% | 4,706 |
| Loan and lease loss provision to assets | 0.0503% | 3,179 |
| Net operating income to assets | 0.9715% | 3,131 |
| Return on assets (ROA) | 0.9550% | 3,202 |
| Pretax return on assets | 1.1653% | 3,039 |
| Return on Equity (ROE) | 5.5352% | 4,312 |
| Retained earnings to average equity (ytd only) | 4.9331% | 2,800 |
| Net charge-offs to loans | -0.0981% | 5,147 |
| Credit loss provision to net charge-offs | -109.0909% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1309% | 3,498 |
| Assets per employee ($millions) | 4.3532% | 3,376 |
| Cash dividends to net income (ytd only)* | 10.8772% | 3,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 619 |
| Loan loss allowance to noncurrent loans | 126.8879% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 1,869 |
| Noncurrent loans to loans | 1.4600% | 1,051 |
| Net loans and leases to total assets | 49.9898% | 4,518 |
| Net loans and leases to deposits | 61.0363% | 4,426 |
| Net loans and leases to core deposits | 71.1711% | 4,050 |
| Total domestic deposits to total assets | 81.9017% | 3,668 |
| Equity capital to assets | 17.9205% | 348 |
| Core capital (leverage) ratio | 17.8328% | 349 |
| Tier 1 risk-based capital ratio | 36.1861% | 291 |
| Total risk-based capital ratio | 37.4436% | 288 |
| Memoranda: | ||
| Average total assets | $119,370,800 | 3,794 |
| Average earning assets | $107,079,800 | 3,852 |
| Average equity | $20,595,600 | 3,032 |
| Average total loans | $56,089,800 | 4,184 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9000% | 4,214 |
| Cost of funding earning assets | 0.5458% | 2,886 |
| Net interest margin | 3.3542% | 4,149 |
| Noninterest income to average assets | 0.1880% | 4,847 |
| Noninterest expense to average assets | 2.0128% | 4,715 |
| Loan and lease loss provision to assets | 0.0334% | 3,348 |
| Net operating income to assets | 0.9443% | 3,328 |
| Return on assets (ROA) | 0.9224% | 3,422 |
| Pretax return on assets | 1.1305% | 3,277 |
| Return on Equity (ROE) | 5.3974% | 4,446 |
| Retained earnings to average equity (ytd only) | 4.5900% | 3,454 |
| Net charge-offs to loans | -0.1547% | 5,255 |
| Credit loss provision to net charge-offs | -46.8750% | 4,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8343% | 3,370 |
| Assets per employee ($millions) | 4.3316% | 3,382 |
| Cash dividends to net income (ytd only)* | 14.9578% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9050% | 585 |
| Loan loss allowance to noncurrent loans | 145.5154% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 2,274 |
| Noncurrent loans to loans | 1.3091% | 1,281 |
| Net loans and leases to total assets | 47.8594% | 4,723 |
| Net loans and leases to deposits | 58.2330% | 4,634 |
| Net loans and leases to core deposits | 67.1091% | 4,348 |
| Total domestic deposits to total assets | 82.1860% | 3,551 |
| Equity capital to assets | 17.6037% | 369 |
| Core capital (leverage) ratio | 17.6409% | 362 |
| Tier 1 risk-based capital ratio | 37.0494% | 276 |
| Total risk-based capital ratio | 38.3070% | 268 |
| Memoranda: | ||
| Average total assets | $119,829,500 | 3,829 |
| Average earning assets | $107,724,250 | 3,880 |
| Average equity | $20,478,750 | 3,071 |
| Average total loans | $55,146,000 | 4,248 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7341% | 4,507 |
| Cost of funding earning assets | 0.5090% | 2,945 |
| Net interest margin | 3.2251% | 4,449 |
| Noninterest income to average assets | 0.1904% | 4,872 |
| Noninterest expense to average assets | 1.9952% | 4,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8925% | 3,486 |
| Return on assets (ROA) | 0.8925% | 3,500 |
| Pretax return on assets | 1.1011% | 3,310 |
| Return on Equity (ROE) | 5.2734% | 4,468 |
| Retained earnings to average equity (ytd only) | 4.0602% | 3,579 |
| Net charge-offs to loans | 0.0183% | 2,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 573 |
| Efficiency ratio | 64.4385% | 3,259 |
| Assets per employee ($millions) | 4.5434% | 3,067 |
| Cash dividends to net income (ytd only)* | 23.0056% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 852 |
| Loan loss allowance to noncurrent loans | 152.9412% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 2,501 |
| Noncurrent loans to loans | 1.1333% | 1,553 |
| Net loans and leases to total assets | 47.4189% | 4,751 |
| Net loans and leases to deposits | 57.4448% | 4,672 |
| Net loans and leases to core deposits | 62.9665% | 4,557 |
| Total domestic deposits to total assets | 82.5469% | 3,552 |
| Equity capital to assets | 17.3075% | 375 |
| Core capital (leverage) ratio | 17.1913% | 373 |
| Tier 1 risk-based capital ratio | 35.5727% | 320 |
| Total risk-based capital ratio | 36.8275% | 316 |
| Memoranda: | ||
| Average total assets | $120,788,330 | 3,846 |
| Average earning assets | $108,834,670 | 3,895 |
| Average equity | $20,442,330 | 3,086 |
| Average total loans | $54,508,000 | 4,292 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6475% | 4,601 |
| Cost of funding earning assets | 0.4863% | 2,895 |
| Net interest margin | 3.1612% | 4,576 |
| Noninterest income to average assets | 0.1933% | 4,861 |
| Noninterest expense to average assets | 1.9489% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8549% | 3,477 |
| Return on assets (ROA) | 0.8549% | 3,494 |
| Pretax return on assets | 1.0547% | 3,338 |
| Return on Equity (ROE) | 5.1074% | 4,450 |
| Retained earnings to average equity (ytd only) | 2.6809% | 4,103 |
| Net charge-offs to loans | 0.0376% | 1,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 64.4000% | 803 |
| Efficiency ratio | 64.8855% | 3,341 |
| Assets per employee ($millions) | 4.9686% | 2,522 |
| Cash dividends to net income (ytd only)* | 47.5096% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 699 |
| Loan loss allowance to noncurrent loans | 195.0690% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 3,096 |
| Noncurrent loans to loans | 0.9572% | 1,912 |
| Net loans and leases to total assets | 41.8463% | 4,986 |
| Net loans and leases to deposits | 50.1704% | 4,951 |
| Net loans and leases to core deposits | 54.7124% | 4,891 |
| Total domestic deposits to total assets | 83.4085% | 3,540 |
| Equity capital to assets | 16.4023% | 455 |
| Core capital (leverage) ratio | 16.6856% | 416 |
| Tier 1 risk-based capital ratio | 38.2061% | 253 |
| Total risk-based capital ratio | 39.4626% | 249 |
| Memoranda: | ||
| Average total assets | $122,118,500 | 3,863 |
| Average earning assets | $108,568,000 | 3,940 |
| Average equity | $20,441,000 | 3,113 |
| Average total loans | $53,260,500 | 4,369 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 4,611 |
| Cost of funding earning assets | 0.4501% | 2,774 |
| Net interest margin | 3.1298% | 4,629 |
| Noninterest income to average assets | 0.1745% | 5,085 |
| Noninterest expense to average assets | 2.2340% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5520% | 4,217 |
| Return on assets (ROA) | 0.5644% | 4,201 |
| Pretax return on assets | 0.8572% | 4,058 |
| Return on Equity (ROE) | 3.4176% | 4,715 |
| Retained earnings to average equity (ytd only) | 2.8151% | 3,625 |
| Net charge-offs to loans | -0.0038% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7104% | 2,118 |
| Assets per employee ($millions) | 4.2865% | 3,508 |
| Cash dividends to net income (ytd only)* | 17.6301% | 3,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 701 |
| Loan loss allowance to noncurrent loans | 161.6260% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 2,750 |
| Noncurrent loans to loans | 1.1484% | 1,548 |
| Net loans and leases to total assets | 43.7908% | 4,986 |
| Net loans and leases to deposits | 52.8938% | 4,937 |
| Net loans and leases to core deposits | 58.2287% | 4,841 |
| Total domestic deposits to total assets | 82.7900% | 3,630 |
| Equity capital to assets | 17.0867% | 391 |
| Core capital (leverage) ratio | 16.7413% | 386 |
| Tier 1 risk-based capital ratio | 38.0921% | 250 |
| Total risk-based capital ratio | 39.3494% | 248 |
| Memoranda: | ||
| Average total assets | $122,606,000 | 3,851 |
| Average earning assets | $113,522,800 | 3,851 |
| Average equity | $20,248,200 | 3,119 |
| Average total loans | $51,970,400 | 4,409 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 4,722 |
| Cost of funding earning assets | 0.4420% | 2,787 |
| Net interest margin | 3.0942% | 4,729 |
| Noninterest income to average assets | 0.1742% | 5,143 |
| Noninterest expense to average assets | 2.2252% | 4,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6187% | 4,319 |
| Return on assets (ROA) | 0.6426% | 4,273 |
| Pretax return on assets | 0.8503% | 4,207 |
| Return on Equity (ROE) | 3.9239% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.1180% | 4,056 |
| Net charge-offs to loans | -0.0026% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0988% | 2,027 |
| Assets per employee ($millions) | 4.3026% | 3,466 |
| Cash dividends to net income (ytd only)* | 20.5384% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8350% | 797 |
| Loan loss allowance to noncurrent loans | 501.0101% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 4,332 |
| Noncurrent loans to loans | 0.3663% | 3,641 |
| Net loans and leases to total assets | 44.0505% | 5,022 |
| Net loans and leases to deposits | 53.2944% | 4,993 |
| Net loans and leases to core deposits | 58.5176% | 4,893 |
| Total domestic deposits to total assets | 82.6550% | 3,568 |
| Equity capital to assets | 17.0935% | 416 |
| Core capital (leverage) ratio | 16.4888% | 434 |
| Tier 1 risk-based capital ratio | 52.6543% | 112 |
| Total risk-based capital ratio | 53.9201% | 111 |
| Memoranda: | ||
| Average total assets | $123,251,750 | 3,885 |
| Average earning assets | $114,318,000 | 3,878 |
| Average equity | $20,183,250 | 3,142 |
| Average total loans | $51,574,750 | 4,456 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4742% | 4,825 |
| Cost of funding earning assets | 0.4293% | 2,811 |
| Net interest margin | 3.0450% | 4,807 |
| Noninterest income to average assets | 0.1756% | 5,177 |
| Noninterest expense to average assets | 2.3080% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5332% | 4,596 |
| Return on assets (ROA) | 0.5395% | 4,611 |
| Pretax return on assets | 0.6861% | 4,588 |
| Return on Equity (ROE) | 3.3422% | 5,026 |
| Retained earnings to average equity (ytd only) | 2.1250% | 4,406 |
| Net charge-offs to loans | 0.0039% | 3,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 421.0000% | 200 |
| Efficiency ratio | 77.2923% | 1,551 |
| Assets per employee ($millions) | 4.1337% | 3,735 |
| Cash dividends to net income (ytd only)* | 36.4179% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 746 |
| Loan loss allowance to noncurrent loans | 180.6569% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 3,224 |
| Noncurrent loans to loans | 1.0424% | 1,886 |
| Net loans and leases to total assets | 41.5926% | 5,165 |
| Net loans and leases to deposits | 49.8685% | 5,141 |
| Net loans and leases to core deposits | 54.9104% | 5,048 |
| Total domestic deposits to total assets | 83.4046% | 3,425 |
| Equity capital to assets | 16.4003% | 486 |
| Core capital (leverage) ratio | 15.7691% | 508 |
| Tier 1 risk-based capital ratio | 51.5682% | 109 |
| Total risk-based capital ratio | 52.8340% | 107 |
| Memoranda: | ||
| Average total assets | $124,178,000 | 3,891 |
| Average earning assets | $114,615,330 | 3,901 |
| Average equity | $20,046,670 | 3,156 |
| Average total loans | $50,746,000 | 4,506 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3662% | 5,004 |
| Cost of funding earning assets | 0.4014% | 2,980 |
| Net interest margin | 2.9648% | 4,971 |
| Noninterest income to average assets | 0.1706% | 5,255 |
| Noninterest expense to average assets | 2.1374% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5762% | 4,254 |
| Return on assets (ROA) | 0.5762% | 4,299 |
| Pretax return on assets | 0.7436% | 4,302 |
| Return on Equity (ROE) | 3.5978% | 4,923 |
| Retained earnings to average equity (ytd only) | 1.1457% | 4,604 |
| Net charge-offs to loans | 0.0161% | 2,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 115.5000% | 475 |
| Efficiency ratio | 74.1899% | 2,203 |
| Assets per employee ($millions) | 4.5264% | 3,122 |
| Cash dividends to net income (ytd only)* | 68.1564% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9759% | 700 |
| Loan loss allowance to noncurrent loans | 198.1964% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 2,584 |
| Noncurrent loans to loans | 0.9969% | 2,056 |
| Net loans and leases to total assets | 38.7134% | 5,297 |
| Net loans and leases to deposits | 46.0683% | 5,301 |
| Net loans and leases to core deposits | 50.3262% | 5,209 |
| Total domestic deposits to total assets | 84.0349% | 3,465 |
| Equity capital to assets | 15.7576% | 530 |
| Core capital (leverage) ratio | 15.7755% | 492 |
| Tier 1 risk-based capital ratio | 52.4561% | 113 |
| Total risk-based capital ratio | 53.7236% | 113 |
| Memoranda: | ||
| Average total assets | $124,262,000 | 3,927 |
| Average earning assets | $113,600,000 | 3,950 |
| Average equity | $19,901,000 | 3,183 |
| Average total loans | $49,834,500 | 4,567 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3022% | 5,157 |
| Cost of funding earning assets | 0.3780% | 3,225 |
| Net interest margin | 2.9242% | 5,087 |
| Noninterest income to average assets | 0.1713% | 5,361 |
| Noninterest expense to average assets | 1.8933% | 5,371 |
| Loan and lease loss provision to assets | 0.0485% | 3,420 |
| Net operating income to assets | 0.6586% | 3,961 |
| Return on assets (ROA) | 0.6586% | 4,078 |
| Pretax return on assets | 0.8800% | 3,914 |
| Return on Equity (ROE) | 4.1088% | 4,793 |
| Retained earnings to average equity (ytd only) | 3.4988% | 3,441 |
| Net charge-offs to loans | 0.0363% | 3,299 |
| Credit loss provision to net charge-offs | 333.3333% | 905 |
| Earnings coverage of net charge-offs (x) | 63.8333% | 851 |
| Efficiency ratio | 67.0962% | 3,420 |
| Assets per employee ($millions) | 4.3495% | 3,359 |
| Cash dividends to net income (ytd only)* | 14.8466% | 3,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9954% | 663 |
| Loan loss allowance to noncurrent loans | 197.6048% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 2,572 |
| Noncurrent loans to loans | 1.0098% | 2,070 |
| Net loans and leases to total assets | 39.9269% | 5,316 |
| Net loans and leases to deposits | 47.7554% | 5,309 |
| Net loans and leases to core deposits | 52.2288% | 5,221 |
| Total domestic deposits to total assets | 83.6072% | 3,566 |
| Equity capital to assets | 16.2836% | 461 |
| Core capital (leverage) ratio | 15.8361% | 484 |
| Tier 1 risk-based capital ratio | 52.0342% | 124 |
| Total risk-based capital ratio | 53.3015% | 123 |
| Memoranda: | ||
| Average total assets | $123,751,800 | 3,930 |
| Average earning assets | $112,166,600 | 3,966 |
| Average equity | $19,835,600 | 3,186 |
| Average total loans | $49,586,800 | 4,587 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2522% | 5,273 |
| Cost of funding earning assets | 0.3751% | 3,280 |
| Net interest margin | 2.8771% | 5,223 |
| Noninterest income to average assets | 0.1771% | 5,392 |
| Noninterest expense to average assets | 1.8994% | 5,376 |
| Loan and lease loss provision to assets | 0.0644% | 2,946 |
| Net operating income to assets | 0.6095% | 4,254 |
| Return on assets (ROA) | 0.6095% | 4,367 |
| Pretax return on assets | 0.8059% | 4,292 |
| Return on Equity (ROE) | 3.8177% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.0045% | 4,113 |
| Net charge-offs to loans | 0.0296% | 3,068 |
| Credit loss provision to net charge-offs | 545.4545% | 663 |
| Earnings coverage of net charge-offs (x) | 73.7089% | 832 |
| Efficiency ratio | 68.5781% | 3,126 |
| Assets per employee ($millions) | 4.2889% | 3,435 |
| Cash dividends to net income (ytd only)* | 21.3030% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0076% | 720 |
| Loan loss allowance to noncurrent loans | 194.6850% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.7107% | 2,784 |
| Noncurrent loans to loans | 1.0312% | 2,182 |
| Net loans and leases to total assets | 38.8134% | 5,438 |
| Net loans and leases to deposits | 46.5095% | 5,438 |
| Net loans and leases to core deposits | 50.1298% | 5,379 |
| Total domestic deposits to total assets | 83.4527% | 3,421 |
| Equity capital to assets | 16.2015% | 523 |
| Core capital (leverage) ratio | 15.6889% | 530 |
| Tier 1 risk-based capital ratio | 51.9261% | 123 |
| Total risk-based capital ratio | 53.1934% | 123 |
| Memoranda: | ||
| Average total assets | $124,243,500 | 3,943 |
| Average earning assets | $111,961,250 | 3,995 |
| Average equity | $19,836,750 | 3,211 |
| Average total loans | $49,579,750 | 4,628 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2570% | 5,355 |
| Cost of funding earning assets | 0.3750% | 3,302 |
| Net interest margin | 2.8820% | 5,299 |
| Noninterest income to average assets | 0.1787% | 5,422 |
| Noninterest expense to average assets | 1.9034% | 5,444 |
| Loan and lease loss provision to assets | 0.0966% | 2,221 |
| Net operating income to assets | 0.5942% | 4,301 |
| Return on assets (ROA) | 0.5942% | 4,424 |
| Pretax return on assets | 0.7778% | 4,361 |
| Return on Equity (ROE) | 3.7401% | 5,005 |
| Retained earnings to average equity (ytd only) | 2.5137% | 4,282 |
| Net charge-offs to loans | 0.0443% | 2,585 |
| Credit loss provision to net charge-offs | 545.4545% | 614 |
| Earnings coverage of net charge-offs (x) | 49.3636% | 1,005 |
| Efficiency ratio | 68.5217% | 3,243 |
| Assets per employee ($millions) | 4.4583% | 3,108 |
| Cash dividends to net income (ytd only)* | 32.7913% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9877% | 759 |
| Loan loss allowance to noncurrent loans | 159.2593% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7987% | 2,596 |
| Noncurrent loans to loans | 1.2481% | 1,842 |
| Net loans and leases to total assets | 39.0666% | 5,464 |
| Net loans and leases to deposits | 46.7207% | 5,471 |
| Net loans and leases to core deposits | 50.4641% | 5,413 |
| Total domestic deposits to total assets | 83.6173% | 3,414 |
| Equity capital to assets | 16.0406% | 538 |
| Core capital (leverage) ratio | 15.5785% | 514 |
| Tier 1 risk-based capital ratio | 40.3825% | 224 |
| Total risk-based capital ratio | 41.6416% | 222 |
| Memoranda: | ||
| Average total assets | $124,199,000 | 3,974 |
| Average earning assets | $112,005,000 | 4,021 |
| Average equity | $19,732,000 | 3,229 |
| Average total loans | $49,685,000 | 4,659 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2127% | 5,468 |
| Cost of funding earning assets | 0.3761% | 3,342 |
| Net interest margin | 2.8366% | 5,419 |
| Noninterest income to average assets | 0.2002% | 5,307 |
| Noninterest expense to average assets | 1.9535% | 5,424 |
| Loan and lease loss provision to assets | 0.0969% | 2,078 |
| Net operating income to assets | 0.5521% | 4,414 |
| Return on assets (ROA) | 0.5521% | 4,512 |
| Pretax return on assets | 0.7071% | 4,501 |
| Return on Equity (ROE) | 3.4923% | 5,068 |
| Retained earnings to average equity (ytd only) | 1.0211% | 4,830 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8431% | 2,980 |
| Assets per employee ($millions) | 4.4356% | 3,195 |
| Cash dividends to net income (ytd only)* | 70.7602% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 910 |
| Loan loss allowance to noncurrent loans | 160.3306% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 2,624 |
| Noncurrent loans to loans | 1.2103% | 2,007 |
| Net loans and leases to total assets | 39.4684% | 5,480 |
| Net loans and leases to deposits | 47.1908% | 5,457 |
| Net loans and leases to core deposits | 50.5903% | 5,420 |
| Total domestic deposits to total assets | 83.6358% | 3,666 |
| Equity capital to assets | 15.8529% | 550 |
| Core capital (leverage) ratio | 15.4797% | 535 |
| Tier 1 risk-based capital ratio | 41.4346% | 217 |
| Total risk-based capital ratio | 42.6946% | 215 |
| Memoranda: | ||
| Average total assets | $123,882,000 | 4,008 |
| Average earning assets | $111,683,000 | 4,055 |
| Average equity | $19,586,000 | 3,245 |
| Average total loans | $49,649,000 | 4,685 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1788% | 5,539 |
| Cost of funding earning assets | 0.3806% | 3,360 |
| Net interest margin | 2.7982% | 5,514 |
| Noninterest income to average assets | 0.3942% | 4,071 |
| Noninterest expense to average assets | 1.8914% | 5,629 |
| Loan and lease loss provision to assets | 0.0975% | 2,364 |
| Net operating income to assets | 0.7030% | 3,796 |
| Return on assets (ROA) | 0.7096% | 3,877 |
| Pretax return on assets | 0.9721% | 3,576 |
| Return on Equity (ROE) | 4.5652% | 4,711 |
| Retained earnings to average equity (ytd only) | 3.9429% | 3,234 |
| Net charge-offs to loans | 0.3244% | 924 |
| Credit loss provision to net charge-offs | 73.1707% | 3,069 |
| Earnings coverage of net charge-offs (x) | 7.9573% | 3,017 |
| Efficiency ratio | 64.0694% | 4,248 |
| Assets per employee ($millions) | 4.4131% | 3,187 |
| Cash dividends to net income (ytd only)* | 13.6312% | 3,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9084% | 941 |
| Loan loss allowance to noncurrent loans | 109.2915% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.0383% | 2,112 |
| Noncurrent loans to loans | 1.7461% | 1,284 |
| Net loans and leases to total assets | 39.1435% | 5,564 |
| Net loans and leases to deposits | 46.6337% | 5,536 |
| Net loans and leases to core deposits | 50.3084% | 5,486 |
| Total domestic deposits to total assets | 83.9381% | 3,505 |
| Equity capital to assets | 15.7673% | 553 |
| Core capital (leverage) ratio | 15.6040% | 520 |
| Tier 1 risk-based capital ratio | 38.7168% | 247 |
| Total risk-based capital ratio | 39.9738% | 247 |
| Memoranda: | ||
| Average total assets | $123,032,200 | 4,024 |
| Average earning assets | $112,463,200 | 4,029 |
| Average equity | $19,122,800 | 3,252 |
| Average total loans | $50,561,000 | 4,651 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2214% | 5,558 |
| Cost of funding earning assets | 0.3807% | 3,428 |
| Net interest margin | 2.8408% | 5,511 |
| Noninterest income to average assets | 0.4405% | 3,789 |
| Noninterest expense to average assets | 1.9007% | 5,634 |
| Loan and lease loss provision to assets | 0.0976% | 2,220 |
| Net operating income to assets | 0.7595% | 3,636 |
| Return on assets (ROA) | 0.7681% | 3,687 |
| Pretax return on assets | 1.0610% | 3,370 |
| Return on Equity (ROE) | 4.9598% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.1261% | 3,534 |
| Net charge-offs to loans | 0.3512% | 751 |
| Credit loss provision to net charge-offs | 67.1642% | 2,816 |
| Earnings coverage of net charge-offs (x) | 7.8882% | 2,866 |
| Efficiency ratio | 62.3710% | 4,517 |
| Assets per employee ($millions) | 4.1357% | 3,648 |
| Cash dividends to net income (ytd only)* | 16.8076% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 1,122 |
| Loan loss allowance to noncurrent loans | 167.4377% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 2,189 |
| Noncurrent loans to loans | 1.1214% | 2,261 |
| Net loans and leases to total assets | 41.0030% | 5,539 |
| Net loans and leases to deposits | 49.1411% | 5,505 |
| Net loans and leases to core deposits | 52.5918% | 5,475 |
| Total domestic deposits to total assets | 83.4394% | 3,636 |
| Equity capital to assets | 16.1613% | 539 |
| Core capital (leverage) ratio | 15.6659% | 538 |
| Tier 1 risk-based capital ratio | 39.9711% | 248 |
| Total risk-based capital ratio | 41.2297% | 248 |
| Memoranda: | ||
| Average total assets | $122,898,750 | 4,071 |
| Average earning assets | $112,783,000 | 4,064 |
| Average equity | $19,032,750 | 3,293 |
| Average total loans | $50,874,000 | 4,684 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1909% | 5,638 |
| Cost of funding earning assets | 0.3795% | 3,503 |
| Net interest margin | 2.8113% | 5,592 |
| Noninterest income to average assets | 0.1711% | 5,677 |
| Noninterest expense to average assets | 1.8501% | 5,783 |
| Loan and lease loss provision to assets | 0.0969% | 2,205 |
| Net operating income to assets | 0.6082% | 4,303 |
| Return on assets (ROA) | 0.6215% | 4,369 |
| Pretax return on assets | 0.8249% | 4,229 |
| Return on Equity (ROE) | 4.0706% | 4,990 |
| Retained earnings to average equity (ytd only) | 2.8124% | 4,255 |
| Net charge-offs to loans | 0.4577% | 559 |
| Credit loss provision to net charge-offs | 51.2821% | 2,690 |
| Earnings coverage of net charge-offs (x) | 4.7863% | 2,993 |
| Efficiency ratio | 67.1747% | 3,802 |
| Assets per employee ($millions) | 4.4006% | 3,142 |
| Cash dividends to net income (ytd only)* | 30.9091% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7659% | 1,444 |
| Loan loss allowance to noncurrent loans | 118.7980% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2531% | 2,005 |
| Noncurrent loans to loans | 1.4864% | 1,787 |
| Net loans and leases to total assets | 41.9419% | 5,510 |
| Net loans and leases to deposits | 49.7334% | 5,518 |
| Net loans and leases to core deposits | 53.5772% | 5,446 |
| Total domestic deposits to total assets | 84.3335% | 3,427 |
| Equity capital to assets | 15.4060% | 627 |
| Core capital (leverage) ratio | 15.0668% | 602 |
| Tier 1 risk-based capital ratio | 39.4296% | 275 |
| Total risk-based capital ratio | 40.6883% | 272 |
| Memoranda: | ||
| Average total assets | $123,886,670 | 4,074 |
| Average earning assets | $113,824,330 | 4,081 |
| Average equity | $18,916,000 | 3,327 |
| Average total loans | $51,126,000 | 4,720 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0780% | 5,807 |
| Cost of funding earning assets | 0.3778% | 3,555 |
| Net interest margin | 2.7003% | 5,805 |
| Noninterest income to average assets | 0.1739% | 5,669 |
| Noninterest expense to average assets | 1.8322% | 5,850 |
| Loan and lease loss provision to assets | 0.0966% | 2,082 |
| Net operating income to assets | 0.5591% | 4,447 |
| Return on assets (ROA) | 0.5861% | 4,438 |
| Pretax return on assets | 0.7664% | 4,364 |
| Return on Equity (ROE) | 3.8554% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.8554% | 3,686 |
| Net charge-offs to loans | 0.8415% | 284 |
| Credit loss provision to net charge-offs | 28.3019% | 2,290 |
| Earnings coverage of net charge-offs (x) | 2.4245% | 2,760 |
| Efficiency ratio | 68.8862% | 3,682 |
| Assets per employee ($millions) | 4.4331% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8346% | 1,421 |
| Loan loss allowance to noncurrent loans | 101.4381% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.3180% | 2,016 |
| Noncurrent loans to loans | 1.8086% | 1,499 |
| Net loans and leases to total assets | 39.5292% | 5,621 |
| Net loans and leases to deposits | 46.8576% | 5,628 |
| Net loans and leases to core deposits | 50.4452% | 5,572 |
| Total domestic deposits to total assets | 84.3602% | 3,670 |
| Equity capital to assets | 15.3626% | 650 |
| Core capital (leverage) ratio | 13.4582% | 987 |
| Tier 1 risk-based capital ratio | 48.1604% | 161 |
| Total risk-based capital ratio | 49.4416% | 161 |
| Memoranda: | ||
| Average total assets | $124,221,000 | 4,099 |
| Average earning assets | $114,359,500 | 4,094 |
| Average equity | $18,882,500 | 3,350 |
| Average total loans | $50,384,500 | 4,772 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1763% | 5,862 |
| Cost of funding earning assets | 0.4784% | 2,896 |
| Net interest margin | 2.6979% | 5,940 |
| Noninterest income to average assets | 0.1672% | 5,858 |
| Noninterest expense to average assets | 1.8413% | 6,016 |
| Loan and lease loss provision to assets | 0.0318% | 3,963 |
| Net operating income to assets | 0.5716% | 4,500 |
| Return on assets (ROA) | 0.5740% | 4,572 |
| Pretax return on assets | 0.7618% | 4,396 |
| Return on Equity (ROE) | 3.9802% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.3398% | 3,842 |
| Net charge-offs to loans | 0.0424% | 3,973 |
| Credit loss provision to net charge-offs | 190.4762% | 1,296 |
| Earnings coverage of net charge-offs (x) | 47.2857% | 970 |
| Efficiency ratio | 69.9637% | 3,532 |
| Assets per employee ($millions) | 4.4399% | 3,137 |
| Cash dividends to net income (ytd only)* | 16.0888% | 3,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9710% | 1,162 |
| Loan loss allowance to noncurrent loans | 144.2363% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 3,662 |
| Noncurrent loans to loans | 1.3665% | 2,149 |
| Net loans and leases to total assets | 40.0471% | 5,742 |
| Net loans and leases to deposits | 47.2518% | 5,730 |
| Net loans and leases to core deposits | 51.4069% | 5,640 |
| Total domestic deposits to total assets | 84.7526% | 3,394 |
| Equity capital to assets | 15.0391% | 701 |
| Core capital (leverage) ratio | 14.5787% | 687 |
| Tier 1 risk-based capital ratio | 28.9649% | 570 |
| Total risk-based capital ratio | 30.2196% | 551 |
| Memoranda: | ||
| Average total assets | $125,617,600 | 4,069 |
| Average earning assets | $114,755,200 | 4,078 |
| Average equity | $18,114,600 | 3,386 |
| Average total loans | $49,574,000 | 4,834 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1640% | 5,942 |
| Cost of funding earning assets | 0.5012% | 2,745 |
| Net interest margin | 2.6628% | 6,053 |
| Noninterest income to average assets | 0.1715% | 5,898 |
| Noninterest expense to average assets | 1.7955% | 6,096 |
| Loan and lease loss provision to assets | 0.0106% | 4,208 |
| Net operating income to assets | 0.5931% | 4,470 |
| Return on assets (ROA) | 0.5939% | 4,555 |
| Pretax return on assets | 0.7792% | 4,430 |
| Return on Equity (ROE) | 4.1626% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.3019% | 4,272 |
| Net charge-offs to loans | 0.0325% | 3,838 |
| Credit loss provision to net charge-offs | 83.3333% | 2,531 |
| Earnings coverage of net charge-offs (x) | 62.0819% | 843 |
| Efficiency ratio | 69.4797% | 3,593 |
| Assets per employee ($millions) | 4.3425% | 3,223 |
| Cash dividends to net income (ytd only)* | 20.6770% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 1,352 |
| Loan loss allowance to noncurrent loans | 2,802.8571% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 5,713 |
| Noncurrent loans to loans | 0.0696% | 5,741 |
| Net loans and leases to total assets | 39.1677% | 5,867 |
| Net loans and leases to deposits | 46.0027% | 5,863 |
| Net loans and leases to core deposits | 50.6069% | 5,758 |
| Total domestic deposits to total assets | 85.1421% | 3,283 |
| Equity capital to assets | 14.6522% | 821 |
| Core capital (leverage) ratio | 14.1930% | 795 |
| Tier 1 risk-based capital ratio | 27.2565% | 690 |
| Total risk-based capital ratio | 28.4906% | 677 |
| Memoranda: | ||
| Average total assets | $125,943,000 | 4,091 |
| Average earning assets | $114,114,500 | 4,125 |
| Average equity | $17,969,250 | 3,421 |
| Average total loans | $49,271,000 | 4,891 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1300% | 6,026 |
| Cost of funding earning assets | 0.5234% | 2,603 |
| Net interest margin | 2.6065% | 6,163 |
| Noninterest income to average assets | 0.1747% | 5,905 |
| Noninterest expense to average assets | 1.7833% | 6,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5673% | 4,511 |
| Return on assets (ROA) | 0.5685% | 4,609 |
| Pretax return on assets | 0.7416% | 4,492 |
| Return on Equity (ROE) | 4.0206% | 5,136 |
| Retained earnings to average equity (ytd only) | 2.7178% | 4,471 |
| Net charge-offs to loans | 0.0450% | 3,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 42.3636% | 1,016 |
| Efficiency ratio | 70.6734% | 3,542 |
| Assets per employee ($millions) | 4.4215% | 3,049 |
| Cash dividends to net income (ytd only)* | 32.4022% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9288% | 1,514 |
| Loan loss allowance to noncurrent loans | 3,240.0000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 5,792 |
| Noncurrent loans to loans | 0.0595% | 5,856 |
| Net loans and leases to total assets | 38.5446% | 5,921 |
| Net loans and leases to deposits | 45.0200% | 5,936 |
| Net loans and leases to core deposits | 49.3944% | 5,830 |
| Total domestic deposits to total assets | 85.6165% | 3,232 |
| Equity capital to assets | 14.2120% | 895 |
| Core capital (leverage) ratio | 13.9628% | 842 |
| Tier 1 risk-based capital ratio | 27.0688% | 698 |
| Total risk-based capital ratio | 28.3023% | 684 |
| Memoranda: | ||
| Average total assets | $125,946,330 | 4,116 |
| Average earning assets | $113,484,000 | 4,155 |
| Average equity | $17,808,330 | 3,435 |
| Average total loans | $48,926,000 | 4,932 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1860% | 6,023 |
| Cost of funding earning assets | 0.5852% | 2,115 |
| Net interest margin | 2.6008% | 6,241 |
| Noninterest income to average assets | 0.1859% | 5,851 |
| Noninterest expense to average assets | 1.7627% | 6,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5584% | 4,420 |
| Return on assets (ROA) | 0.5609% | 4,489 |
| Pretax return on assets | 0.7339% | 4,373 |
| Return on Equity (ROE) | 3.9770% | 5,049 |
| Retained earnings to average equity (ytd only) | 1.3408% | 5,077 |
| Net charge-offs to loans | 0.0083% | 3,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 228.0000% | 217 |
| Efficiency ratio | 70.6941% | 3,706 |
| Assets per employee ($millions) | 4.6940% | 2,667 |
| Cash dividends to net income (ytd only)* | 66.2857% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0366% | 1,446 |
| Loan loss allowance to noncurrent loans | 3,084.3750% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 5,803 |
| Noncurrent loans to loans | 0.0660% | 5,945 |
| Net loans and leases to total assets | 37.4607% | 5,984 |
| Net loans and leases to deposits | 43.6679% | 5,994 |
| Net loans and leases to core deposits | 47.7545% | 5,889 |
| Total domestic deposits to total assets | 85.7856% | 3,477 |
| Equity capital to assets | 14.0226% | 914 |
| Core capital (leverage) ratio | 14.0171% | 816 |
| Tier 1 risk-based capital ratio | 26.2513% | 769 |
| Total risk-based capital ratio | 27.5038% | 757 |
| Memoranda: | ||
| Average total assets | $124,808,000 | 4,171 |
| Average earning assets | $110,734,000 | 4,257 |
| Average equity | $17,601,000 | 3,468 |
| Average total loans | $48,191,500 | 4,999 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1741% | 6,167 |
| Cost of funding earning assets | 0.7651% | 1,412 |
| Net interest margin | 2.4090% | 6,438 |
| Noninterest income to average assets | 0.2062% | 5,849 |
| Noninterest expense to average assets | 1.7550% | 6,383 |
| Loan and lease loss provision to assets | 0.0367% | 4,385 |
| Net operating income to assets | 0.4710% | 4,865 |
| Return on assets (ROA) | 0.4736% | 4,992 |
| Pretax return on assets | 0.5918% | 4,896 |
| Return on Equity (ROE) | 3.2704% | 5,413 |
| Retained earnings to average equity (ytd only) | 2.6231% | 4,390 |
| Net charge-offs to loans | -0.0021% | 5,854 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7329% | 3,176 |
| Assets per employee ($millions) | 4.3885% | 3,105 |
| Cash dividends to net income (ytd only)* | 19.7935% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0618% | 1,415 |
| Loan loss allowance to noncurrent loans | 528.3422% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 5,365 |
| Noncurrent loans to loans | 0.3902% | 5,031 |
| Net loans and leases to total assets | 38.1932% | 6,076 |
| Net loans and leases to deposits | 44.5765% | 6,093 |
| Net loans and leases to core deposits | 48.6347% | 5,997 |
| Total domestic deposits to total assets | 85.6801% | 3,412 |
| Equity capital to assets | 14.1848% | 856 |
| Core capital (leverage) ratio | 14.2850% | 746 |
| Tier 1 risk-based capital ratio | 25.6277% | 803 |
| Total risk-based capital ratio | 26.8703% | 789 |
| Memoranda: | ||
| Average total assets | $122,676,600 | 4,221 |
| Average earning assets | $110,709,200 | 4,244 |
| Average equity | $17,765,400 | 3,457 |
| Average total loans | $48,028,600 | 5,022 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1132% | 6,306 |
| Cost of funding earning assets | 0.7873% | 1,397 |
| Net interest margin | 2.3259% | 6,571 |
| Noninterest income to average assets | 0.2153% | 5,887 |
| Noninterest expense to average assets | 1.6918% | 6,477 |
| Loan and lease loss provision to assets | 0.0489% | 4,034 |
| Net operating income to assets | 0.4476% | 5,034 |
| Return on assets (ROA) | 0.4501% | 5,164 |
| Pretax return on assets | 0.5882% | 5,061 |
| Return on Equity (ROE) | 3.0925% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.2335% | 4,979 |
| Net charge-offs to loans | -0.0056% | 5,793 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7443% | 3,272 |
| Assets per employee ($millions) | 4.2890% | 3,249 |
| Cash dividends to net income (ytd only)* | 27.7777% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 1,579 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 5,781 |
| Noncurrent loans to loans | 0.0313% | 6,249 |
| Net loans and leases to total assets | 39.0945% | 6,099 |
| Net loans and leases to deposits | 45.8361% | 6,112 |
| Net loans and leases to core deposits | 50.1924% | 6,004 |
| Total domestic deposits to total assets | 85.2920% | 3,586 |
| Equity capital to assets | 14.5640% | 805 |
| Core capital (leverage) ratio | 14.2736% | 795 |
| Tier 1 risk-based capital ratio | 27.0831% | 699 |
| Total risk-based capital ratio | 28.3320% | 682 |
| Memoranda: | ||
| Average total assets | $122,626,250 | 4,261 |
| Average earning assets | $111,267,000 | 4,278 |
| Average equity | $17,849,250 | 3,482 |
| Average total loans | $48,056,000 | 5,070 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0986% | 6,343 |
| Cost of funding earning assets | 0.7863% | 1,489 |
| Net interest margin | 2.3123% | 6,611 |
| Noninterest income to average assets | 0.2219% | 5,859 |
| Noninterest expense to average assets | 1.6263% | 6,565 |
| Loan and lease loss provision to assets | 0.0486% | 4,006 |
| Net operating income to assets | 0.4859% | 4,860 |
| Return on assets (ROA) | 0.4859% | 5,034 |
| Pretax return on assets | 0.6382% | 4,880 |
| Return on Equity (ROE) | 3.3391% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.0591% | 4,965 |
| Net charge-offs to loans | -0.0083% | 5,736 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3081% | 3,764 |
| Assets per employee ($millions) | 4.4062% | 2,976 |
| Cash dividends to net income (ytd only)* | 38.3333% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1007% | 1,636 |
| Loan loss allowance to noncurrent loans | 4,066.6667% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 5,778 |
| Noncurrent loans to loans | 0.0517% | 6,239 |
| Net loans and leases to total assets | 36.8679% | 6,243 |
| Net loans and leases to deposits | 42.9988% | 6,283 |
| Net loans and leases to core deposits | 46.8536% | 6,190 |
| Total domestic deposits to total assets | 85.7416% | 3,509 |
| Equity capital to assets | 14.1360% | 925 |
| Core capital (leverage) ratio | 14.0984% | 800 |
| Tier 1 risk-based capital ratio | 26.3931% | 739 |
| Total risk-based capital ratio | 27.6362% | 725 |
| Memoranda: | ||
| Average total assets | $123,471,330 | 4,268 |
| Average earning assets | $111,663,330 | 4,299 |
| Average equity | $17,969,000 | 3,488 |
| Average total loans | $48,095,000 | 5,097 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0597% | 6,445 |
| Cost of funding earning assets | 0.7909% | 1,580 |
| Net interest margin | 2.2688% | 6,705 |
| Noninterest income to average assets | 0.1943% | 6,087 |
| Noninterest expense to average assets | 1.5738% | 6,685 |
| Loan and lease loss provision to assets | 0.0486% | 3,807 |
| Net operating income to assets | 0.4793% | 4,776 |
| Return on assets (ROA) | 0.4793% | 4,940 |
| Pretax return on assets | 0.6250% | 4,858 |
| Return on Equity (ROE) | 3.2468% | 5,467 |
| Retained earnings to average equity (ytd only) | 3.2468% | 4,303 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0288% | 3,966 |
| Assets per employee ($millions) | 4.4648% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9978% | 2,051 |
| Loan loss allowance to noncurrent loans | 5,333.3333% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 5,850 |
| Noncurrent loans to loans | 0.0375% | 6,376 |
| Net loans and leases to total assets | 37.6710% | 6,169 |
| Net loans and leases to deposits | 44.3425% | 6,179 |
| Net loans and leases to core deposits | 48.4581% | 6,069 |
| Total domestic deposits to total assets | 84.9545% | 4,064 |
| Equity capital to assets | 14.6320% | 842 |
| Core capital (leverage) ratio | 14.1564% | 756 |
| Tier 1 risk-based capital ratio | 25.9981% | 781 |
| Total risk-based capital ratio | 27.2500% | 772 |
| Memoranda: | ||
| Average total assets | $123,520,500 | 4,316 |
| Average earning assets | $111,776,500 | 4,338 |
| Average equity | $18,233,500 | 3,493 |
| Average total loans | $48,912,000 | 5,098 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5313% | 6,323 |
| Cost of funding earning assets | 0.9400% | 1,710 |
| Net interest margin | 2.5913% | 6,638 |
| Noninterest income to average assets | 0.2056% | 5,941 |
| Noninterest expense to average assets | 1.7630% | 6,666 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5483% | 4,489 |
| Return on assets (ROA) | 0.6086% | 4,462 |
| Pretax return on assets | 0.8183% | 4,228 |
| Return on Equity (ROE) | 4.1926% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.5575% | 3,711 |
| Net charge-offs to loans | 0.1673% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 10.8795% | 2,094 |
| Efficiency ratio | 70.5287% | 3,704 |
| Assets per employee ($millions) | 4.3581% | 3,238 |
| Cash dividends to net income (ytd only)* | 15.1475% | 3,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 2,292 |
| Loan loss allowance to noncurrent loans | 9,460.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 5,919 |
| Noncurrent loans to loans | 0.0201% | 6,485 |
| Net loans and leases to total assets | 40.0108% | 6,166 |
| Net loans and leases to deposits | 47.2734% | 6,157 |
| Net loans and leases to core deposits | 51.4587% | 6,055 |
| Total domestic deposits to total assets | 84.6370% | 4,023 |
| Equity capital to assets | 14.8942% | 770 |
| Core capital (leverage) ratio | 14.0467% | 788 |
| Tier 1 risk-based capital ratio | 25.3470% | 815 |
| Total risk-based capital ratio | 26.5982% | 804 |
| Memoranda: | ||
| Average total assets | $122,571,800 | 4,300 |
| Average earning assets | $108,515,400 | 4,379 |
| Average equity | $17,793,400 | 3,501 |
| Average total loans | $49,601,600 | 5,124 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6218% | 6,366 |
| Cost of funding earning assets | 0.9715% | 1,730 |
| Net interest margin | 2.6503% | 6,702 |
| Noninterest income to average assets | 0.2130% | 6,016 |
| Noninterest expense to average assets | 1.7809% | 6,698 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5615% | 4,565 |
| Return on assets (ROA) | 0.6400% | 4,444 |
| Pretax return on assets | 0.8725% | 4,217 |
| Return on Equity (ROE) | 4.4373% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.5860% | 4,354 |
| Net charge-offs to loans | 0.2233% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 8.4822% | 2,438 |
| Efficiency ratio | 69.9531% | 3,694 |
| Assets per employee ($millions) | 4.1378% | 3,604 |
| Cash dividends to net income (ytd only)* | 19.1848% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9754% | 2,243 |
| Loan loss allowance to noncurrent loans | 31,566.6667% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 6,070 |
| Noncurrent loans to loans | 0.0063% | 6,668 |
| Net loans and leases to total assets | 37.8559% | 6,421 |
| Net loans and leases to deposits | 44.5899% | 6,473 |
| Net loans and leases to core deposits | 48.4379% | 6,389 |
| Total domestic deposits to total assets | 84.8978% | 3,788 |
| Equity capital to assets | 14.5641% | 949 |
| Core capital (leverage) ratio | 13.5623% | 991 |
| Tier 1 risk-based capital ratio | 24.2239% | 991 |
| Total risk-based capital ratio | 25.4755% | 972 |
| Memoranda: | ||
| Average total assets | $122,708,000 | 4,334 |
| Average earning assets | $108,008,750 | 4,437 |
| Average equity | $17,698,000 | 3,545 |
| Average total loans | $49,559,500 | 5,188 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 6,357 |
| Cost of funding earning assets | 0.9839% | 1,859 |
| Net interest margin | 2.7020% | 6,704 |
| Noninterest income to average assets | 0.2274% | 5,941 |
| Noninterest expense to average assets | 1.7688% | 6,785 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6148% | 4,317 |
| Return on assets (ROA) | 0.7314% | 3,969 |
| Pretax return on assets | 1.0112% | 3,659 |
| Return on Equity (ROE) | 5.0879% | 4,767 |
| Retained earnings to average equity (ytd only) | 3.8017% | 4,086 |
| Net charge-offs to loans | 0.3393% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 6.1059% | 2,697 |
| Efficiency ratio | 67.5625% | 4,220 |
| Assets per employee ($millions) | 4.2707% | 3,311 |
| Cash dividends to net income (ytd only)* | 25.2796% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9070% | 2,532 |
| Loan loss allowance to noncurrent loans | 94,500.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 6,165 |
| Noncurrent loans to loans | 0.0020% | 6,726 |
| Net loans and leases to total assets | 37.9388% | 6,483 |
| Net loans and leases to deposits | 44.2458% | 6,545 |
| Net loans and leases to core deposits | 47.8138% | 6,472 |
| Total domestic deposits to total assets | 85.7456% | 3,487 |
| Equity capital to assets | 13.8267% | 1,172 |
| Core capital (leverage) ratio | 13.4439% | 994 |
| Tier 1 risk-based capital ratio | 24.5336% | 953 |
| Total risk-based capital ratio | 25.7855% | 938 |
| Memoranda: | ||
| Average total assets | $122,232,670 | 4,367 |
| Average earning assets | $108,142,330 | 4,457 |
| Average equity | $17,571,000 | 3,562 |
| Average total loans | $50,099,670 | 5,196 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 6,230 |
| Cost of funding earning assets | 1.0459% | 1,708 |
| Net interest margin | 2.7597% | 6,698 |
| Noninterest income to average assets | 0.2649% | 5,754 |
| Noninterest expense to average assets | 1.7973% | 6,796 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6615% | 4,075 |
| Return on assets (ROA) | 0.6639% | 4,269 |
| Pretax return on assets | 0.8953% | 4,046 |
| Return on Equity (ROE) | 4.5260% | 5,028 |
| Retained earnings to average equity (ytd only) | 4.5260% | 3,866 |
| Net charge-offs to loans | 0.6114% | 1,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.4545% | 2,834 |
| Efficiency ratio | 66.8329% | 4,391 |
| Assets per employee ($millions) | 4.1779% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 2,626 |
| Loan loss allowance to noncurrent loans | 31,833.3333% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 6,242 |
| Noncurrent loans to loans | 0.0060% | 6,785 |
| Net loans and leases to total assets | 40.3123% | 6,324 |
| Net loans and leases to deposits | 47.4107% | 6,329 |
| Net loans and leases to core deposits | 51.5005% | 6,241 |
| Total domestic deposits to total assets | 85.0279% | 4,021 |
| Equity capital to assets | 14.5379% | 852 |
| Core capital (leverage) ratio | 13.9933% | 806 |
| Tier 1 risk-based capital ratio | 23.2438% | 1,104 |
| Total risk-based capital ratio | 24.4945% | 1,082 |
| Memoranda: | ||
| Average total assets | $119,288,000 | 4,467 |
| Average earning assets | $104,795,000 | 4,581 |
| Average equity | $17,499,000 | 3,572 |
| Average total loans | $50,373,000 | 5,212 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 6,471 |
| Cost of funding earning assets | 1.2994% | 1,489 |
| Net interest margin | 2.6903% | 6,931 |
| Noninterest income to average assets | 0.2924% | 5,442 |
| Noninterest expense to average assets | 1.8992% | 6,836 |
| Loan and lease loss provision to assets | 0.1041% | 5,282 |
| Net operating income to assets | 0.4821% | 4,498 |
| Return on assets (ROA) | 0.5249% | 4,528 |
| Pretax return on assets | 0.6898% | 4,360 |
| Return on Equity (ROE) | 3.5719% | 5,040 |
| Retained earnings to average equity (ytd only) | 2.9106% | 4,171 |
| Net charge-offs to loans | 0.0425% | 5,885 |
| Credit loss provision to net charge-offs | 571.4286% | 400 |
| Earnings coverage of net charge-offs (x) | 40.4762% | 667 |
| Efficiency ratio | 72.0303% | 3,573 |
| Assets per employee ($millions) | 4.1935% | 3,478 |
| Cash dividends to net income (ytd only)* | 18.5124% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0275% | 2,191 |
| Loan loss allowance to noncurrent loans | 580.3371% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 6,032 |
| Noncurrent loans to loans | 0.3494% | 6,031 |
| Net loans and leases to total assets | 42.5117% | 6,336 |
| Net loans and leases to deposits | 50.1683% | 6,355 |
| Net loans and leases to core deposits | 54.4554% | 6,267 |
| Total domestic deposits to total assets | 84.7382% | 3,988 |
| Equity capital to assets | 14.8054% | 824 |
| Core capital (leverage) ratio | 14.0664% | 813 |
| Tier 1 risk-based capital ratio | 28.3701% | 597 |
| Total risk-based capital ratio | 29.6270% | 589 |
| Memoranda: | ||
| Average total assets | $115,256,800 | 4,517 |
| Average earning assets | $100,434,800 | 4,633 |
| Average equity | $16,938,000 | 3,588 |
| Average total loans | $49,457,200 | 5,282 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 6,546 |
| Cost of funding earning assets | 1.3680% | 1,382 |
| Net interest margin | 2.6612% | 7,023 |
| Noninterest income to average assets | 0.3068% | 5,404 |
| Noninterest expense to average assets | 1.9840% | 6,723 |
| Loan and lease loss provision to assets | 0.1046% | 5,138 |
| Net operating income to assets | 0.4126% | 4,940 |
| Return on assets (ROA) | 0.4498% | 4,970 |
| Pretax return on assets | 0.5788% | 4,886 |
| Return on Equity (ROE) | 3.0665% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.1791% | 5,033 |
| Net charge-offs to loans | 0.1005% | 4,985 |
| Credit loss provision to net charge-offs | 243.2432% | 1,177 |
| Earnings coverage of net charge-offs (x) | 14.7845% | 1,510 |
| Efficiency ratio | 75.7320% | 2,880 |
| Assets per employee ($millions) | 4.3565% | 3,164 |
| Cash dividends to net income (ytd only)* | 28.9405% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9600% | 2,444 |
| Loan loss allowance to noncurrent loans | 19,800.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 6,484 |
| Noncurrent loans to loans | 0.0099% | 6,936 |
| Net loans and leases to total assets | 42.0999% | 6,498 |
| Net loans and leases to deposits | 49.5989% | 6,523 |
| Net loans and leases to core deposits | 54.9014% | 6,399 |
| Total domestic deposits to total assets | 84.8808% | 3,828 |
| Equity capital to assets | 14.6763% | 939 |
| Core capital (leverage) ratio | 13.8816% | 928 |
| Tier 1 risk-based capital ratio | 28.1583% | 641 |
| Total risk-based capital ratio | 29.4138% | 632 |
| Memoranda: | ||
| Average total assets | $114,716,750 | 4,561 |
| Average earning assets | $99,702,750 | 4,678 |
| Average equity | $16,826,500 | 3,613 |
| Average total loans | $49,084,250 | 5,343 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 6,565 |
| Cost of funding earning assets | 1.4129% | 1,359 |
| Net interest margin | 2.6421% | 7,085 |
| Noninterest income to average assets | 0.3270% | 5,280 |
| Noninterest expense to average assets | 1.9675% | 6,853 |
| Loan and lease loss provision to assets | 0.1055% | 4,987 |
| Net operating income to assets | 0.4185% | 4,861 |
| Return on assets (ROA) | 0.4185% | 5,015 |
| Pretax return on assets | 0.5292% | 4,972 |
| Return on Equity (ROE) | 2.8535% | 5,460 |
| Retained earnings to average equity (ytd only) | 1.5107% | 5,226 |
| Net charge-offs to loans | -0.0206% | 6,825 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6081% | 3,083 |
| Assets per employee ($millions) | 4.5470% | 2,761 |
| Cash dividends to net income (ytd only)* | 47.0588% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0420% | 2,255 |
| Loan loss allowance to noncurrent loans | 99,900.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 6,561 |
| Noncurrent loans to loans | 0.0020% | 7,017 |
| Net loans and leases to total assets | 40.5373% | 6,703 |
| Net loans and leases to deposits | 47.5824% | 6,751 |
| Net loans and leases to core deposits | 52.6991% | 6,628 |
| Total domestic deposits to total assets | 85.1940% | 3,788 |
| Equity capital to assets | 14.3755% | 976 |
| Core capital (leverage) ratio | 14.1376% | 838 |
| Tier 1 risk-based capital ratio | 28.2134% | 648 |
| Total risk-based capital ratio | 29.4690% | 631 |
| Memoranda: | ||
| Average total assets | $113,747,330 | 4,616 |
| Average earning assets | $97,951,670 | 4,761 |
| Average equity | $16,681,000 | 3,624 |
| Average total loans | $48,609,000 | 5,413 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 6,516 |
| Cost of funding earning assets | 1.4365% | 1,446 |
| Net interest margin | 2.6552% | 7,066 |
| Noninterest income to average assets | 0.3659% | 4,983 |
| Noninterest expense to average assets | 2.0124% | 6,814 |
| Loan and lease loss provision to assets | 0.1076% | 4,665 |
| Net operating income to assets | 0.4125% | 4,891 |
| Return on assets (ROA) | 0.4125% | 4,984 |
| Pretax return on assets | 0.5201% | 4,958 |
| Return on Equity (ROE) | 2.7838% | 5,476 |
| Retained earnings to average equity (ytd only) | 0.0726% | 5,765 |
| Net charge-offs to loans | 0.0083% | 4,996 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 182 |
| Efficiency ratio | 76.2228% | 3,122 |
| Assets per employee ($millions) | 4.3960% | 3,047 |
| Cash dividends to net income (ytd only)* | 97.3913% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9952% | 2,440 |
| Loan loss allowance to noncurrent loans | 24,150.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 6,589 |
| Noncurrent loans to loans | 0.0083% | 7,063 |
| Net loans and leases to total assets | 41.5155% | 6,667 |
| Net loans and leases to deposits | 48.8084% | 6,703 |
| Net loans and leases to core deposits | 54.9978% | 6,484 |
| Total domestic deposits to total assets | 85.0582% | 4,003 |
| Equity capital to assets | 14.5148% | 873 |
| Core capital (leverage) ratio | 14.2566% | 791 |
| Tier 1 risk-based capital ratio | 28.5021% | 605 |
| Total risk-based capital ratio | 29.7575% | 592 |
| Memoranda: | ||
| Average total assets | $111,510,000 | 4,699 |
| Average earning assets | $95,509,000 | 4,865 |
| Average equity | $16,524,000 | 3,635 |
| Average total loans | $48,452,000 | 5,462 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 6,595 |
| Cost of funding earning assets | 1.5550% | 2,332 |
| Net interest margin | 2.8557% | 6,966 |
| Noninterest income to average assets | 0.3169% | 5,527 |
| Noninterest expense to average assets | 2.0204% | 6,988 |
| Loan and lease loss provision to assets | 0.2045% | 5,196 |
| Net operating income to assets | 0.4696% | 4,233 |
| Return on assets (ROA) | 0.4740% | 4,375 |
| Pretax return on assets | 0.6032% | 4,315 |
| Return on Equity (ROE) | 3.0975% | 4,917 |
| Retained earnings to average equity (ytd only) | 2.4294% | 4,175 |
| Net charge-offs to loans | 0.2655% | 4,707 |
| Credit loss provision to net charge-offs | 159.4203% | 2,199 |
| Earnings coverage of net charge-offs (x) | 6.2536% | 2,404 |
| Efficiency ratio | 71.5838% | 3,872 |
| Assets per employee ($millions) | 4.0268% | 3,730 |
| Cash dividends to net income (ytd only)* | 21.5686% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9284% | 2,475 |
| Loan loss allowance to noncurrent loans | 1,764.1509% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 6,514 |
| Noncurrent loans to loans | 0.1093% | 6,868 |
| Net loans and leases to total assets | 43.7368% | 6,736 |
| Net loans and leases to deposits | 51.7877% | 6,760 |
| Net loans and leases to core deposits | 59.4757% | 6,434 |
| Total domestic deposits to total assets | 84.4541% | 4,144 |
| Equity capital to assets | 15.1376% | 754 |
| Core capital (leverage) ratio | 14.6229% | 727 |
| Tier 1 risk-based capital ratio | 28.7839% | 551 |
| Total risk-based capital ratio | 30.0396% | 545 |
| Memoranda: | ||
| Average total assets | $107,600,800 | 4,784 |
| Average earning assets | $94,407,400 | 4,882 |
| Average equity | $16,465,000 | 3,674 |
| Average total loans | $51,970,800 | 5,403 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 6,712 |
| Cost of funding earning assets | 1.5698% | 2,549 |
| Net interest margin | 2.8855% | 7,026 |
| Noninterest income to average assets | 0.3156% | 5,623 |
| Noninterest expense to average assets | 2.1108% | 6,822 |
| Loan and lease loss provision to assets | 0.2361% | 4,713 |
| Net operating income to assets | 0.4237% | 4,648 |
| Return on assets (ROA) | 0.4299% | 4,807 |
| Pretax return on assets | 0.5156% | 4,873 |
| Return on Equity (ROE) | 2.8015% | 5,311 |
| Retained earnings to average equity (ytd only) | 1.9109% | 5,001 |
| Net charge-offs to loans | 0.1110% | 5,427 |
| Credit loss provision to net charge-offs | 431.8182% | 703 |
| Earnings coverage of net charge-offs (x) | 13.6126% | 1,574 |
| Efficiency ratio | 73.9339% | 3,334 |
| Assets per employee ($millions) | 3.7634% | 4,360 |
| Cash dividends to net income (ytd only)* | 31.7914% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0008% | 2,216 |
| Loan loss allowance to noncurrent loans | 212.5532% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 6,032 |
| Noncurrent loans to loans | 0.9413% | 5,349 |
| Net loans and leases to total assets | 44.8350% | 6,785 |
| Net loans and leases to deposits | 53.3720% | 6,810 |
| Net loans and leases to core deposits | 61.5102% | 6,500 |
| Total domestic deposits to total assets | 84.0047% | 4,127 |
| Equity capital to assets | 15.4062% | 793 |
| Core capital (leverage) ratio | 14.6628% | 780 |
| Tier 1 risk-based capital ratio | 27.9032% | 635 |
| Total risk-based capital ratio | 29.1588% | 614 |
| Memoranda: | ||
| Average total assets | $107,320,250 | 4,853 |
| Average earning assets | $94,446,500 | 4,941 |
| Average equity | $16,466,750 | 3,731 |
| Average total loans | $52,841,750 | 5,449 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5301% | 6,635 |
| Cost of funding earning assets | 1.5937% | 2,693 |
| Net interest margin | 2.9364% | 6,957 |
| Noninterest income to average assets | 0.3074% | 5,698 |
| Noninterest expense to average assets | 2.1066% | 6,882 |
| Loan and lease loss provision to assets | 0.2999% | 3,994 |
| Net operating income to assets | 0.4174% | 4,673 |
| Return on assets (ROA) | 0.4254% | 4,797 |
| Pretax return on assets | 0.4967% | 4,910 |
| Return on Equity (ROE) | 2.7766% | 5,333 |
| Retained earnings to average equity (ytd only) | 1.4311% | 5,160 |
| Net charge-offs to loans | 0.1672% | 4,612 |
| Credit loss provision to net charge-offs | 355.5556% | 1,030 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,035 |
| Efficiency ratio | 72.7979% | 3,696 |
| Assets per employee ($millions) | 3.7600% | 4,322 |
| Cash dividends to net income (ytd only)* | 48.4581% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 2,589 |
| Loan loss allowance to noncurrent loans | 206.5957% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 5,572 |
| Noncurrent loans to loans | 0.8923% | 5,486 |
| Net loans and leases to total assets | 47.4175% | 6,666 |
| Net loans and leases to deposits | 56.2734% | 6,703 |
| Net loans and leases to core deposits | 64.4254% | 6,364 |
| Total domestic deposits to total assets | 84.2627% | 3,980 |
| Equity capital to assets | 15.2183% | 836 |
| Core capital (leverage) ratio | 14.7327% | 778 |
| Tier 1 risk-based capital ratio | 26.5964% | 729 |
| Total risk-based capital ratio | 27.8502% | 718 |
| Memoranda: | ||
| Average total assets | $106,714,330 | 4,895 |
| Average earning assets | $93,993,330 | 4,990 |
| Average equity | $16,351,000 | 3,745 |
| Average total loans | $53,812,000 | 5,434 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 6,648 |
| Cost of funding earning assets | 1.6475% | 2,667 |
| Net interest margin | 2.9174% | 6,987 |
| Noninterest income to average assets | 0.3221% | 5,571 |
| Noninterest expense to average assets | 2.0919% | 6,964 |
| Loan and lease loss provision to assets | 0.3411% | 3,340 |
| Net operating income to assets | 0.4037% | 4,819 |
| Return on assets (ROA) | 0.4169% | 4,909 |
| Pretax return on assets | 0.4813% | 5,025 |
| Return on Equity (ROE) | 2.7111% | 5,473 |
| Retained earnings to average equity (ytd only) | 2.7111% | 4,512 |
| Net charge-offs to loans | 0.2133% | 3,641 |
| Credit loss provision to net charge-offs | 310.3448% | 1,271 |
| Earnings coverage of net charge-offs (x) | 7.3448% | 2,104 |
| Efficiency ratio | 72.1569% | 3,905 |
| Assets per employee ($millions) | 3.6888% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 2,963 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 5,863 |
| Noncurrent loans to loans | 0.8645% | 5,593 |
| Net loans and leases to total assets | 49.9416% | 6,467 |
| Net loans and leases to deposits | 59.1855% | 6,541 |
| Net loans and leases to core deposits | 67.1168% | 6,193 |
| Total domestic deposits to total assets | 84.3814% | 3,961 |
| Equity capital to assets | 15.2587% | 818 |
| Core capital (leverage) ratio | 14.7689% | 796 |
| Tier 1 risk-based capital ratio | 26.2350% | 756 |
| Total risk-based capital ratio | 27.4889% | 744 |
| Memoranda: | ||
| Average total assets | $105,551,500 | 4,990 |
| Average earning assets | $93,234,000 | 5,075 |
| Average equity | $16,229,500 | 3,792 |
| Average total loans | $54,380,500 | 5,476 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 6,366 |
| Cost of funding earning assets | 1.8545% | 3,712 |
| Net interest margin | 3.1663% | 6,189 |
| Noninterest income to average assets | 0.3018% | 5,938 |
| Noninterest expense to average assets | 2.8212% | 4,885 |
| Loan and lease loss provision to assets | 0.5344% | 3,699 |
| Net operating income to assets | -0.2377% | 5,884 |
| Return on assets (ROA) | -0.1940% | 5,830 |
| Pretax return on assets | -0.2118% | 5,720 |
| Return on Equity (ROE) | -1.2118% | 5,724 |
| Retained earnings to average equity (ytd only) | -1.8918% | 5,493 |
| Net charge-offs to loans | 0.4056% | 4,199 |
| Credit loss provision to net charge-offs | 252.3364% | 1,402 |
| Earnings coverage of net charge-offs (x) | 1.2991% | 4,826 |
| Efficiency ratio | 91.1154% | 1,627 |
| Assets per employee ($millions) | 3.5906% | 4,805 |
| Cash dividends to net income (ytd only)* | -56.1224% | 7,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 3,219 |
| Loan loss allowance to noncurrent loans | 5,487.5000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 7,489 |
| Noncurrent loans to loans | 0.0294% | 7,362 |
| Net loans and leases to total assets | 51.3964% | 6,487 |
| Net loans and leases to deposits | 61.0811% | 6,554 |
| Net loans and leases to core deposits | 85.5398% | 5,566 |
| Total domestic deposits to total assets | 84.1445% | 3,965 |
| Equity capital to assets | 15.4963% | 791 |
| Core capital (leverage) ratio | 15.0808% | 762 |
| Tier 1 risk-based capital ratio | 24.6471% | 886 |
| Total risk-based capital ratio | 25.8987% | 857 |
| Memoranda: | ||
| Average total assets | $101,054,600 | 5,062 |
| Average earning assets | $89,189,200 | 5,150 |
| Average equity | $16,174,800 | 3,838 |
| Average total loans | $52,766,600 | 5,552 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1038% | 6,253 |
| Cost of funding earning assets | 1.8865% | 3,948 |
| Net interest margin | 3.2173% | 5,956 |
| Noninterest income to average assets | 0.3005% | 6,072 |
| Noninterest expense to average assets | 3.0911% | 3,678 |
| Loan and lease loss provision to assets | 0.3324% | 4,346 |
| Net operating income to assets | -0.3403% | 6,255 |
| Return on assets (ROA) | -0.2898% | 6,199 |
| Pretax return on assets | -0.2247% | 6,012 |
| Return on Equity (ROE) | -1.7959% | 6,066 |
| Retained earnings to average equity (ytd only) | -2.7021% | 5,876 |
| Net charge-offs to loans | 0.0458% | 6,268 |
| Credit loss provision to net charge-offs | 1,388.8889% | 283 |
| Earnings coverage of net charge-offs (x) | 2.3888% | 4,039 |
| Efficiency ratio | 98.1841% | 1,155 |
| Assets per employee ($millions) | 3.3414% | 5,280 |
| Cash dividends to net income (ytd only)* | -50.4576% | 7,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 3,490 |
| Loan loss allowance to noncurrent loans | 101.4013% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 5,553 |
| Noncurrent loans to loans | 1.4704% | 4,480 |
| Net loans and leases to total assets | 52.4635% | 6,563 |
| Net loans and leases to deposits | 63.0565% | 6,584 |
| Net loans and leases to core deposits | 88.7073% | 5,563 |
| Total domestic deposits to total assets | 83.2008% | 4,119 |
| Equity capital to assets | 16.2774% | 748 |
| Core capital (leverage) ratio | 15.4625% | 769 |
| Tier 1 risk-based capital ratio | 26.6134% | 783 |
| Total risk-based capital ratio | 27.8641% | 759 |
| Memoranda: | ||
| Average total assets | $100,286,250 | 5,116 |
| Average earning assets | $88,767,750 | 5,204 |
| Average equity | $16,184,500 | 3,873 |
| Average total loans | $52,359,250 | 5,622 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2306% | 5,952 |
| Cost of funding earning assets | 1.9230% | 4,146 |
| Net interest margin | 3.3076% | 5,525 |
| Noninterest income to average assets | 0.3031% | 6,096 |
| Noninterest expense to average assets | 3.4855% | 2,382 |
| Loan and lease loss provision to assets | 0.3190% | 4,033 |
| Net operating income to assets | -0.7358% | 6,781 |
| Return on assets (ROA) | -0.6600% | 6,723 |
| Pretax return on assets | -0.5105% | 6,434 |
| Return on Equity (ROE) | -4.1015% | 6,489 |
| Retained earnings to average equity (ytd only) | -5.4646% | 6,367 |
| Net charge-offs to loans | 0.0231% | 6,172 |
| Credit loss provision to net charge-offs | 2,666.6667% | 189 |
| Earnings coverage of net charge-offs (x) | -22.3333% | 6,570 |
| Efficiency ratio | 108.3024% | 900 |
| Assets per employee ($millions) | 3.2301% | 5,510 |
| Cash dividends to net income (ytd only)* | -33.2326% | 7,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 3,801 |
| Loan loss allowance to noncurrent loans | 1,015.4930% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 7,407 |
| Noncurrent loans to loans | 0.1366% | 7,174 |
| Net loans and leases to total assets | 51.1949% | 6,764 |
| Net loans and leases to deposits | 61.0455% | 6,812 |
| Net loans and leases to core deposits | 83.7918% | 6,102 |
| Total domestic deposits to total assets | 83.8635% | 3,837 |
| Equity capital to assets | 15.7760% | 869 |
| Core capital (leverage) ratio | 15.2716% | 861 |
| Tier 1 risk-based capital ratio | 26.6065% | 806 |
| Total risk-based capital ratio | 27.8085% | 789 |
| Memoranda: | ||
| Average total assets | $100,300,670 | 5,155 |
| Average earning assets | $88,402,670 | 5,249 |
| Average equity | $16,140,330 | 3,890 |
| Average total loans | $52,016,670 | 5,677 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2350% | 6,172 |
| Cost of funding earning assets | 1.9045% | 4,607 |
| Net interest margin | 3.3306% | 5,395 |
| Noninterest income to average assets | 0.3188% | 5,900 |
| Noninterest expense to average assets | 2.2593% | 6,661 |
| Loan and lease loss provision to assets | 0.2789% | 3,725 |
| Net operating income to assets | 0.5715% | 4,136 |
| Return on assets (ROA) | 0.6216% | 4,113 |
| Pretax return on assets | 0.8448% | 3,906 |
| Return on Equity (ROE) | 3.8254% | 5,016 |
| Retained earnings to average equity (ytd only) | 1.1280% | 5,192 |
| Net charge-offs to loans | 0.0154% | 5,368 |
| Credit loss provision to net charge-offs | 3,500.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 132.5000% | 326 |
| Efficiency ratio | 68.1490% | 4,936 |
| Assets per employee ($millions) | 3.2822% | 5,365 |
| Cash dividends to net income (ytd only)* | 70.5128% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 4,441 |
| Loan loss allowance to noncurrent loans | 3,028.5714% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 7,568 |
| Noncurrent loans to loans | 0.0413% | 7,425 |
| Net loans and leases to total assets | 49.3907% | 6,911 |
| Net loans and leases to deposits | 59.0925% | 6,968 |
| Net loans and leases to core deposits | 79.4479% | 6,427 |
| Total domestic deposits to total assets | 83.5820% | 3,886 |
| Equity capital to assets | 16.0721% | 862 |
| Core capital (leverage) ratio | 15.7519% | 818 |
| Tier 1 risk-based capital ratio | 27.0540% | 817 |
| Total risk-based capital ratio | 28.1145% | 810 |
| Memoranda: | ||
| Average total assets | $100,384,500 | 5,170 |
| Average earning assets | $90,314,500 | 5,211 |
| Average equity | $16,312,000 | 3,882 |
| Average total loans | $52,033,000 | 5,716 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8876% | 6,099 |
| Cost of funding earning assets | 2.5502% | 3,955 |
| Net interest margin | 3.3373% | 5,910 |
| Noninterest income to average assets | 0.3600% | 5,842 |
| Noninterest expense to average assets | 2.1059% | 7,224 |
| Loan and lease loss provision to assets | 0.1137% | 5,917 |
| Net operating income to assets | 0.9076% | 2,968 |
| Return on assets (ROA) | 0.9170% | 2,778 |
| Pretax return on assets | 1.2988% | 2,317 |
| Return on Equity (ROE) | 6.1703% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.4755% | 1,774 |
| Net charge-offs to loans | 0.0485% | 6,094 |
| Credit loss provision to net charge-offs | 500.0000% | 870 |
| Earnings coverage of net charge-offs (x) | 61.5417% | 652 |
| Efficiency ratio | 60.0811% | 6,326 |
| Assets per employee ($millions) | 3.0944% | 5,785 |
| Cash dividends to net income (ytd only)* | 11.2603% | 4,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 5,448 |
| Loan loss allowance to noncurrent loans | 124.6187% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 5,831 |
| Noncurrent loans to loans | 0.8632% | 4,898 |
| Net loans and leases to total assets | 53.1241% | 6,739 |
| Net loans and leases to deposits | 63.9399% | 6,802 |
| Net loans and leases to core deposits | 96.5619% | 5,199 |
| Total domestic deposits to total assets | 83.0844% | 3,731 |
| Equity capital to assets | 16.4319% | 854 |
| Core capital (leverage) ratio | 15.5767% | 911 |
| Tier 1 risk-based capital ratio | 25.8952% | 913 |
| Total risk-based capital ratio | 26.8108% | 918 |
| Memoranda: | ||
| Average total assets | $105,562,800 | 4,887 |
| Average earning assets | $99,480,600 | 4,818 |
| Average equity | $15,688,000 | 3,992 |
| Average total loans | $49,521,200 | 5,723 |