Home > West Plains Bank > Performance and Condition Ratios
West Plains 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 | 4.7594% | 2,557 |
| Cost of funding earning assets | 0.9774% | 3,353 |
| Net interest margin | 3.7820% | 1,593 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.2673% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1406% | 1,807 |
| Return on assets (ROA) | 1.1667% | 1,711 |
| Pretax return on assets | 1.4585% | 1,514 |
| Return on Equity (ROE) | 7.9400% | 3,037 |
| Retained earnings to average equity (ytd only) | 5.5409% | 2,397 |
| Net charge-offs to loans | 0.0104% | 2,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 249.8571% | 496 |
| Efficiency ratio | 61.3907% | 2,925 |
| Assets per employee ($millions) | 7.5674% | 1,680 |
| Cash dividends to net income (ytd only)* | 30.2586% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7699% | 570 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 50.4200% | 3,576 |
| Net loans and leases to deposits | 64.0383% | 3,286 |
| Net loans and leases to core deposits | 69.6112% | 3,331 |
| Total domestic deposits to total assets | 78.7400% | 3,644 |
| Equity capital to assets | 15.6815% | 491 |
| Core capital (leverage) ratio | 17.1283% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $122,657,600 | 3,626 |
| Average earning assets | $111,315,600 | 3,634 |
| Average equity | $18,011,600 | 3,013 |
| Average total loans | $67,154,200 | 3,591 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 2,557 |
| Cost of funding earning assets | 0.8524% | 3,393 |
| Net interest margin | 3.8073% | 1,578 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.1794% | 3,133 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2127% | 1,764 |
| Return on assets (ROA) | 1.2127% | 1,750 |
| Pretax return on assets | 1.5595% | 1,443 |
| Return on Equity (ROE) | 8.4000% | 3,089 |
| Retained earnings to average equity (ytd only) | 5.1478% | 2,887 |
| Net charge-offs to loans | 0.0136% | 1,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 205.5714% | 587 |
| Efficiency ratio | 58.2899% | 3,169 |
| Assets per employee ($millions) | 7.1820% | 1,829 |
| Cash dividends to net income (ytd only)* | 38.6953% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8589% | 514 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 55.2700% | 3,267 |
| Net loans and leases to deposits | 69.5347% | 2,871 |
| Net loans and leases to core deposits | 75.4867% | 2,899 |
| Total domestic deposits to total assets | 79.4900% | 3,605 |
| Equity capital to assets | 15.4101% | 495 |
| Core capital (leverage) ratio | 16.9321% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $123,026,000 | 3,634 |
| Average earning assets | $112,308,250 | 3,636 |
| Average equity | $17,767,750 | 3,023 |
| Average total loans | $68,405,500 | 3,585 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 2,583 |
| Cost of funding earning assets | 0.7419% | 3,371 |
| Net interest margin | 3.7847% | 1,656 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.0775% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3012% | 1,566 |
| Return on assets (ROA) | 1.3012% | 1,552 |
| Pretax return on assets | 1.6257% | 1,360 |
| Return on Equity (ROE) | 9.2000% | 2,928 |
| Retained earnings to average equity (ytd only) | 9.1974% | 1,631 |
| Net charge-offs to loans | 0.0201% | 1,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 764 |
| Efficiency ratio | 56.0997% | 3,402 |
| Assets per employee ($millions) | 8.2655% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 839 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.8500% | 2,976 |
| Net loans and leases to deposits | 74.7709% | 2,421 |
| Net loans and leases to core deposits | 80.5893% | 2,431 |
| Total domestic deposits to total assets | 77.3600% | 3,913 |
| Equity capital to assets | 14.6843% | 553 |
| Core capital (leverage) ratio | 15.8762% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $125,730,667 | 3,618 |
| Average earning assets | $114,567,667 | 3,628 |
| Average equity | $17,787,667 | 3,038 |
| Average total loans | $69,635,333 | 3,572 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 2,627 |
| Cost of funding earning assets | 0.6615% | 3,183 |
| Net interest margin | 3.7113% | 1,877 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.0600% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2796% | 1,727 |
| Return on assets (ROA) | 1.2796% | 1,696 |
| Pretax return on assets | 1.5608% | 1,555 |
| Return on Equity (ROE) | 9.2200% | 2,990 |
| Retained earnings to average equity (ytd only) | 9.2158% | 1,885 |
| Net charge-offs to loans | 0.0412% | 946 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 70.5714% | 948 |
| Efficiency ratio | 56.8935% | 3,313 |
| Assets per employee ($millions) | 9.0023% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7584% | 711 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 53.3300% | 3,252 |
| Net loans and leases to deposits | 68.1588% | 2,753 |
| Net loans and leases to core deposits | 73.7081% | 2,697 |
| Total domestic deposits to total assets | 78.2400% | 3,980 |
| Equity capital to assets | 14.2964% | 553 |
| Core capital (leverage) ratio | 15.9421% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $126,604,500 | 3,650 |
| Average earning assets | $114,891,500 | 3,668 |
| Average equity | $17,578,500 | 3,078 |
| Average total loans | $67,992,500 | 3,641 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5327% | 2,993 |
| Cost of funding earning assets | 0.2852% | 2,997 |
| Net interest margin | 3.2475% | 2,711 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.9711% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0893% | 2,223 |
| Return on assets (ROA) | 1.0861% | 2,174 |
| Pretax return on assets | 1.3423% | 1,950 |
| Return on Equity (ROE) | 7.9600% | 3,403 |
| Retained earnings to average equity (ytd only) | 5.4819% | 2,839 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.4172% | 3,132 |
| Assets per employee ($millions) | 7.9486% | 1,345 |
| Cash dividends to net income (ytd only)* | 31.1143% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7907% | 672 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.1800% | 3,343 |
| Net loans and leases to deposits | 65.1649% | 2,945 |
| Net loans and leases to core deposits | 71.0757% | 2,794 |
| Total domestic deposits to total assets | 80.0800% | 3,870 |
| Equity capital to assets | 13.4765% | 634 |
| Core capital (leverage) ratio | 16.2477% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $127,241,600 | 3,659 |
| Average earning assets | $117,473,800 | 3,651 |
| Average equity | $17,366,400 | 3,179 |
| Average total loans | $69,064,600 | 3,594 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 3,080 |
| Cost of funding earning assets | 0.2418% | 2,796 |
| Net interest margin | 3.0960% | 2,944 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.9372% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9031% | 2,852 |
| Return on assets (ROA) | 0.9031% | 2,830 |
| Pretax return on assets | 1.1776% | 2,461 |
| Return on Equity (ROE) | 6.6000% | 3,675 |
| Retained earnings to average equity (ytd only) | 3.3058% | 3,698 |
| Net charge-offs to loans | 0.0058% | 1,958 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 374.6667% | 408 |
| Efficiency ratio | 62.1931% | 2,804 |
| Assets per employee ($millions) | 7.5930% | 1,555 |
| Cash dividends to net income (ytd only)* | 49.8840% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9065% | 594 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 51.1200% | 3,376 |
| Net loans and leases to deposits | 63.0078% | 2,944 |
| Net loans and leases to core deposits | 66.5050% | 2,913 |
| Total domestic deposits to total assets | 81.1300% | 3,959 |
| Equity capital to assets | 13.2704% | 641 |
| Core capital (leverage) ratio | 15.1793% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $127,257,750 | 3,686 |
| Average earning assets | $118,558,750 | 3,664 |
| Average equity | $17,423,250 | 3,207 |
| Average total loans | $69,437,750 | 3,600 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1323% | 3,234 |
| Cost of funding earning assets | 0.2305% | 2,498 |
| Net interest margin | 2.9018% | 3,169 |
| Noninterest income to average assets | 0.2229% | 3,863 |
| Noninterest expense to average assets | 1.8981% | 3,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7633% | 3,098 |
| Return on assets (ROA) | 0.7633% | 3,058 |
| Pretax return on assets | 1.0342% | 2,626 |
| Return on Equity (ROE) | 5.5216% | 3,698 |
| Retained earnings to average equity (ytd only) | 5.5216% | 2,502 |
| Net charge-offs to loans | 0.0084% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 222.6667% | 510 |
| Efficiency ratio | 64.7307% | 2,675 |
| Assets per employee ($millions) | 8.0671% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.3066% | 3,031 |
| Net loans and leases to deposits | 68.2386% | 2,371 |
| Net loans and leases to core deposits | 73.0895% | 2,232 |
| Total domestic deposits to total assets | 78.1180% | 4,345 |
| Equity capital to assets | 13.3303% | 605 |
| Core capital (leverage) ratio | 14.1007% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,181,000 | 3,707 |
| Average earning assets | $120,614,000 | 3,696 |
| Average equity | $17,857,000 | 3,247 |
| Average total loans | $71,480,333 | 3,594 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9830% | 3,303 |
| Cost of funding earning assets | 0.2312% | 2,381 |
| Net interest margin | 2.7518% | 3,274 |
| Noninterest income to average assets | 0.2167% | 3,860 |
| Noninterest expense to average assets | 1.9097% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6159% | 3,342 |
| Return on assets (ROA) | 0.6159% | 3,327 |
| Pretax return on assets | 0.8852% | 2,832 |
| Return on Equity (ROE) | 4.3778% | 3,786 |
| Retained earnings to average equity (ytd only) | 4.3778% | 2,808 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3278% | 2,460 |
| Assets per employee ($millions) | 8.2854% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6333% | 1,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 54.9719% | 2,638 |
| Net loans and leases to deposits | 71.7843% | 1,798 |
| Net loans and leases to core deposits | 77.1643% | 1,688 |
| Total domestic deposits to total assets | 76.5792% | 4,481 |
| Equity capital to assets | 13.2364% | 646 |
| Core capital (leverage) ratio | 14.8362% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,234,500 | 3,722 |
| Average earning assets | $121,085,000 | 3,699 |
| Average equity | $18,182,500 | 3,310 |
| Average total loans | $72,214,500 | 3,583 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0967% | 3,689 |
| Cost of funding earning assets | 0.3300% | 2,121 |
| Net interest margin | 2.7667% | 3,737 |
| Noninterest income to average assets | 0.7026% | 1,766 |
| Noninterest expense to average assets | 1.9694% | 3,768 |
| Loan and lease loss provision to assets | 0.0198% | 2,674 |
| Net operating income to assets | 1.0058% | 2,647 |
| Return on assets (ROA) | 1.0302% | 2,629 |
| Pretax return on assets | 1.3182% | 2,305 |
| Return on Equity (ROE) | 6.9604% | 3,525 |
| Retained earnings to average equity (ytd only) | 4.6617% | 2,942 |
| Net charge-offs to loans | -0.1454% | 4,661 |
| Credit loss provision to net charge-offs | -24.7525% | 3,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1063% | 3,129 |
| Assets per employee ($millions) | 7.8689% | 1,403 |
| Cash dividends to net income (ytd only)* | 33.0261% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 1,009 |
| Loan loss allowance to noncurrent loans | 60,500.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,187 |
| Noncurrent loans to loans | 0.0028% | 4,104 |
| Net loans and leases to total assets | 54.9113% | 2,739 |
| Net loans and leases to deposits | 71.4803% | 1,962 |
| Net loans and leases to core deposits | 76.1785% | 1,908 |
| Total domestic deposits to total assets | 76.8203% | 4,472 |
| Equity capital to assets | 14.9464% | 497 |
| Core capital (leverage) ratio | 15.1977% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,386,200 | 3,733 |
| Average earning assets | $117,576,400 | 3,715 |
| Average equity | $18,705,800 | 3,328 |
| Average total loans | $69,485,800 | 3,659 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1110% | 3,787 |
| Cost of funding earning assets | 0.3537% | 2,079 |
| Net interest margin | 2.7573% | 3,874 |
| Noninterest income to average assets | 0.8505% | 1,382 |
| Noninterest expense to average assets | 1.9182% | 3,898 |
| Loan and lease loss provision to assets | 0.0261% | 2,477 |
| Net operating income to assets | 1.1267% | 2,452 |
| Return on assets (ROA) | 1.1267% | 2,518 |
| Pretax return on assets | 1.4692% | 2,084 |
| Return on Equity (ROE) | 7.6310% | 3,498 |
| Retained earnings to average equity (ytd only) | 4.5615% | 3,386 |
| Net charge-offs to loans | -0.1925% | 4,768 |
| Credit loss provision to net charge-offs | -25.0000% | 3,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1902% | 3,504 |
| Assets per employee ($millions) | 7.5239% | 1,550 |
| Cash dividends to net income (ytd only)* | 40.2245% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9477% | 702 |
| Loan loss allowance to noncurrent loans | 60,450.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,281 |
| Noncurrent loans to loans | 0.0032% | 4,196 |
| Net loans and leases to total assets | 50.5582% | 3,341 |
| Net loans and leases to deposits | 63.5572% | 2,897 |
| Net loans and leases to core deposits | 67.2141% | 2,838 |
| Total domestic deposits to total assets | 79.5476% | 4,290 |
| Equity capital to assets | 15.5796% | 460 |
| Core capital (leverage) ratio | 15.1915% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,507,000 | 3,756 |
| Average earning assets | $117,602,000 | 3,755 |
| Average equity | $18,677,750 | 3,370 |
| Average total loans | $69,271,000 | 3,714 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1146% | 3,832 |
| Cost of funding earning assets | 0.3851% | 2,012 |
| Net interest margin | 2.7294% | 3,922 |
| Noninterest income to average assets | 1.1280% | 889 |
| Noninterest expense to average assets | 1.8857% | 4,002 |
| Loan and lease loss provision to assets | 0.0389% | 2,219 |
| Net operating income to assets | 1.4485% | 1,422 |
| Return on assets (ROA) | 1.4485% | 1,493 |
| Pretax return on assets | 1.7394% | 1,389 |
| Return on Equity (ROE) | 9.9828% | 2,744 |
| Retained earnings to average equity (ytd only) | 9.9828% | 1,399 |
| Net charge-offs to loans | -0.2791% | 4,829 |
| Credit loss provision to net charge-offs | -25.0000% | 2,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4650% | 4,099 |
| Assets per employee ($millions) | 7.8018% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 54.0251% | 3,129 |
| Net loans and leases to deposits | 69.4345% | 2,473 |
| Net loans and leases to core deposits | 73.3886% | 2,471 |
| Total domestic deposits to total assets | 77.8072% | 4,450 |
| Equity capital to assets | 15.2425% | 490 |
| Core capital (leverage) ratio | 14.6253% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,548,667 | 3,741 |
| Average earning assets | $119,438,667 | 3,739 |
| Average equity | $18,652,000 | 3,368 |
| Average total loans | $71,670,667 | 3,695 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0928% | 3,898 |
| Cost of funding earning assets | 0.4097% | 2,012 |
| Net interest margin | 2.6831% | 3,998 |
| Noninterest income to average assets | 1.1870% | 868 |
| Noninterest expense to average assets | 1.8557% | 4,094 |
| Loan and lease loss provision to assets | 0.0460% | 2,159 |
| Net operating income to assets | 1.4907% | 1,354 |
| Return on assets (ROA) | 1.4907% | 1,417 |
| Pretax return on assets | 1.7760% | 1,339 |
| Return on Equity (ROE) | 10.5283% | 2,521 |
| Retained earnings to average equity (ytd only) | 10.5283% | 1,507 |
| Net charge-offs to loans | -0.1093% | 4,666 |
| Credit loss provision to net charge-offs | -75.0000% | 2,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4587% | 4,151 |
| Assets per employee ($millions) | 8.1808% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 54.0293% | 3,236 |
| Net loans and leases to deposits | 68.9904% | 2,602 |
| Net loans and leases to core deposits | 72.2119% | 2,685 |
| Total domestic deposits to total assets | 78.3142% | 4,409 |
| Equity capital to assets | 14.1613% | 635 |
| Core capital (leverage) ratio | 14.3853% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,408,500 | 3,736 |
| Average earning assets | $121,055,500 | 3,729 |
| Average equity | $18,464,500 | 3,379 |
| Average total loans | $73,182,000 | 3,681 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 2,723 |
| Cost of funding earning assets | 0.6941% | 1,740 |
| Net interest margin | 3.3058% | 3,056 |
| Noninterest income to average assets | 0.3548% | 3,344 |
| Noninterest expense to average assets | 1.9729% | 4,193 |
| Loan and lease loss provision to assets | 0.0808% | 3,364 |
| Net operating income to assets | 1.0830% | 1,979 |
| Return on assets (ROA) | 1.1040% | 2,032 |
| Pretax return on assets | 1.3918% | 1,684 |
| Return on Equity (ROE) | 7.6364% | 2,950 |
| Retained earnings to average equity (ytd only) | 5.2158% | 2,178 |
| Net charge-offs to loans | 0.1426% | 1,131 |
| Credit loss provision to net charge-offs | 90.9091% | 2,924 |
| Earnings coverage of net charge-offs (x) | 16.2636% | 2,142 |
| Efficiency ratio | 57.7069% | 3,770 |
| Assets per employee ($millions) | 8.1203% | 992 |
| Cash dividends to net income (ytd only)* | 31.6984% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 1,756 |
| Loan loss allowance to noncurrent loans | 833.8462% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 3,812 |
| Noncurrent loans to loans | 0.1744% | 3,587 |
| Net loans and leases to total assets | 56.5257% | 3,248 |
| Net loans and leases to deposits | 74.0161% | 2,480 |
| Net loans and leases to core deposits | 77.8917% | 2,557 |
| Total domestic deposits to total assets | 76.3694% | 4,483 |
| Equity capital to assets | 14.1566% | 758 |
| Core capital (leverage) ratio | 14.2336% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,728,400 | 3,700 |
| Average earning assets | $114,676,000 | 3,697 |
| Average equity | $17,888,000 | 3,377 |
| Average total loans | $77,158,000 | 3,607 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 2,553 |
| Cost of funding earning assets | 0.7447% | 1,778 |
| Net interest margin | 3.3957% | 2,938 |
| Noninterest income to average assets | 0.3743% | 3,209 |
| Noninterest expense to average assets | 2.0210% | 4,107 |
| Loan and lease loss provision to assets | 0.0925% | 3,156 |
| Net operating income to assets | 1.0126% | 2,292 |
| Return on assets (ROA) | 1.0367% | 2,327 |
| Pretax return on assets | 1.4459% | 1,587 |
| Return on Equity (ROE) | 7.1313% | 3,145 |
| Retained earnings to average equity (ytd only) | 3.8809% | 3,107 |
| Net charge-offs to loans | 0.1559% | 944 |
| Credit loss provision to net charge-offs | 93.4066% | 2,680 |
| Earnings coverage of net charge-offs (x) | 15.1868% | 2,112 |
| Efficiency ratio | 57.2665% | 3,766 |
| Assets per employee ($millions) | 7.9392% | 1,022 |
| Cash dividends to net income (ytd only)* | 45.5789% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 1,359 |
| Loan loss allowance to noncurrent loans | 863.4921% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 3,934 |
| Noncurrent loans to loans | 0.1747% | 3,684 |
| Net loans and leases to total assets | 55.9243% | 3,629 |
| Net loans and leases to deposits | 70.1800% | 3,302 |
| Net loans and leases to core deposits | 74.1186% | 3,314 |
| Total domestic deposits to total assets | 79.6870% | 3,930 |
| Equity capital to assets | 14.1513% | 817 |
| Core capital (leverage) ratio | 14.0655% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,179,250 | 3,710 |
| Average earning assets | $113,514,750 | 3,708 |
| Average equity | $17,761,750 | 3,388 |
| Average total loans | $77,816,250 | 3,611 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 2,471 |
| Cost of funding earning assets | 0.7814% | 1,921 |
| Net interest margin | 3.5188% | 2,726 |
| Noninterest income to average assets | 0.4131% | 3,003 |
| Noninterest expense to average assets | 2.0836% | 4,068 |
| Loan and lease loss provision to assets | 0.0995% | 3,030 |
| Net operating income to assets | 1.1743% | 1,713 |
| Return on assets (ROA) | 1.2110% | 1,733 |
| Pretax return on assets | 1.5411% | 1,364 |
| Return on Equity (ROE) | 8.2531% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.2531% | 1,232 |
| Net charge-offs to loans | 0.0276% | 2,167 |
| Credit loss provision to net charge-offs | 545.4545% | 1,166 |
| Earnings coverage of net charge-offs (x) | 87.3636% | 761 |
| Efficiency ratio | 56.6531% | 3,869 |
| Assets per employee ($millions) | 7.9292% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,358 |
| Loan loss allowance to noncurrent loans | 490.5579% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 3,612 |
| Noncurrent loans to loans | 0.2995% | 3,315 |
| Net loans and leases to total assets | 60.4286% | 3,276 |
| Net loans and leases to deposits | 78.2565% | 2,627 |
| Net loans and leases to core deposits | 83.8463% | 2,620 |
| Total domestic deposits to total assets | 77.2187% | 4,295 |
| Equity capital to assets | 14.3181% | 774 |
| Core capital (leverage) ratio | 14.1164% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,563,333 | 3,716 |
| Average earning assets | $111,857,667 | 3,712 |
| Average equity | $17,690,333 | 3,394 |
| Average total loans | $79,712,667 | 3,578 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 1,982 |
| Cost of funding earning assets | 0.8132% | 2,305 |
| Net interest margin | 3.7936% | 2,006 |
| Noninterest income to average assets | 0.2589% | 3,994 |
| Noninterest expense to average assets | 2.0816% | 4,260 |
| Loan and lease loss provision to assets | 0.1022% | 2,405 |
| Net operating income to assets | 1.1924% | 1,541 |
| Return on assets (ROA) | 1.1924% | 1,656 |
| Pretax return on assets | 1.5876% | 1,090 |
| Return on Equity (ROE) | 8.0215% | 2,512 |
| Retained earnings to average equity (ytd only) | 8.0215% | 1,228 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1942% | 4,287 |
| Assets per employee ($millions) | 7.4344% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 1,710 |
| Loan loss allowance to noncurrent loans | 1,405.0000% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 4,022 |
| Noncurrent loans to loans | 0.0995% | 4,110 |
| Net loans and leases to total assets | 66.6375% | 2,743 |
| Net loans and leases to deposits | 91.6126% | 1,329 |
| Net loans and leases to core deposits | 99.0033% | 1,553 |
| Total domestic deposits to total assets | 72.7384% | 4,743 |
| Equity capital to assets | 14.8750% | 784 |
| Core capital (leverage) ratio | 14.7171% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,411,500 | 3,740 |
| Average earning assets | $108,709,000 | 3,732 |
| Average equity | $17,453,000 | 3,426 |
| Average total loans | $80,665,500 | 3,567 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9754% | 1,540 |
| Cost of funding earning assets | 0.7899% | 2,729 |
| Net interest margin | 4.1855% | 1,348 |
| Noninterest income to average assets | 0.2762% | 4,026 |
| Noninterest expense to average assets | 2.2075% | 4,145 |
| Loan and lease loss provision to assets | 0.1042% | 1,983 |
| Net operating income to assets | 1.4096% | 1,313 |
| Return on assets (ROA) | 1.4068% | 1,402 |
| Pretax return on assets | 1.8124% | 906 |
| Return on Equity (ROE) | 9.7378% | 2,423 |
| Retained earnings to average equity (ytd only) | 7.1350% | 1,335 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4820% | 4,475 |
| Assets per employee ($millions) | 7.2420% | 957 |
| Cash dividends to net income (ytd only)* | 26.7284% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 1,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 4,347 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 68.9097% | 2,549 |
| Net loans and leases to deposits | 92.0172% | 1,369 |
| Net loans and leases to core deposits | 99.5450% | 1,600 |
| Total domestic deposits to total assets | 74.8878% | 4,711 |
| Equity capital to assets | 14.8543% | 831 |
| Core capital (leverage) ratio | 14.2698% | 857 |
| Tier 1 risk-based capital ratio | 16.9957% | 2,052 |
| Total risk-based capital ratio | 18.0942% | 2,047 |
| Memoranda: | ||
| Average total assets | $115,152,800 | 3,762 |
| Average earning assets | $105,961,200 | 3,780 |
| Average equity | $16,636,200 | 3,477 |
| Average total loans | $81,194,200 | 3,575 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 1,726 |
| Cost of funding earning assets | 0.7657% | 2,891 |
| Net interest margin | 4.1648% | 1,463 |
| Noninterest income to average assets | 0.2772% | 4,093 |
| Noninterest expense to average assets | 2.1059% | 4,357 |
| Loan and lease loss provision to assets | 0.1044% | 1,846 |
| Net operating income to assets | 1.4846% | 1,231 |
| Return on assets (ROA) | 1.4809% | 1,300 |
| Pretax return on assets | 1.8972% | 871 |
| Return on Equity (ROE) | 10.3238% | 2,286 |
| Retained earnings to average equity (ytd only) | 6.8233% | 1,938 |
| Net charge-offs to loans | 0.1510% | 1,084 |
| Credit loss provision to net charge-offs | 97.8261% | 2,307 |
| Earnings coverage of net charge-offs (x) | 18.8049% | 2,035 |
| Efficiency ratio | 51.2126% | 4,659 |
| Assets per employee ($millions) | 6.6936% | 1,164 |
| Cash dividends to net income (ytd only)* | 33.9077% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,336 |
| Loan loss allowance to noncurrent loans | 112.7610% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7575% | 1,812 |
| Noncurrent loans to loans | 1.0904% | 1,457 |
| Net loans and leases to total assets | 68.6197% | 2,690 |
| Net loans and leases to deposits | 91.3764% | 1,520 |
| Net loans and leases to core deposits | 98.3698% | 1,793 |
| Total domestic deposits to total assets | 75.0956% | 4,740 |
| Equity capital to assets | 14.8184% | 901 |
| Core capital (leverage) ratio | 14.6277% | 828 |
| Tier 1 risk-based capital ratio | 16.7613% | 2,162 |
| Total risk-based capital ratio | 17.7438% | 2,205 |
| Memoranda: | ||
| Average total assets | $114,973,000 | 3,806 |
| Average earning assets | $105,869,750 | 3,822 |
| Average equity | $16,492,250 | 3,514 |
| Average total loans | $81,257,500 | 3,621 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 1,732 |
| Cost of funding earning assets | 0.7435% | 2,926 |
| Net interest margin | 4.1631% | 1,447 |
| Noninterest income to average assets | 0.2687% | 4,140 |
| Noninterest expense to average assets | 2.1427% | 4,342 |
| Loan and lease loss provision to assets | 0.1040% | 1,802 |
| Net operating income to assets | 1.4253% | 1,357 |
| Return on assets (ROA) | 1.4198% | 1,430 |
| Pretax return on assets | 1.8393% | 955 |
| Return on Equity (ROE) | 10.0067% | 2,384 |
| Retained earnings to average equity (ytd only) | 10.0067% | 754 |
| Net charge-offs to loans | 0.2269% | 745 |
| Credit loss provision to net charge-offs | 64.5161% | 2,367 |
| Earnings coverage of net charge-offs (x) | 12.0968% | 2,172 |
| Efficiency ratio | 52.3507% | 4,628 |
| Assets per employee ($millions) | 7.0787% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 2,610 |
| Loan loss allowance to noncurrent loans | 1,596.6102% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 4,503 |
| Noncurrent loans to loans | 0.0742% | 4,342 |
| Net loans and leases to total assets | 69.3764% | 2,618 |
| Net loans and leases to deposits | 94.9421% | 1,159 |
| Net loans and leases to core deposits | 100.6636% | 1,661 |
| Total domestic deposits to total assets | 73.0723% | 4,901 |
| Equity capital to assets | 14.8801% | 847 |
| Core capital (leverage) ratio | 14.6778% | 778 |
| Tier 1 risk-based capital ratio | 16.8868% | 2,121 |
| Total risk-based capital ratio | 17.8475% | 2,152 |
| Memoranda: | ||
| Average total assets | $115,367,000 | 3,824 |
| Average earning assets | $105,979,670 | 3,838 |
| Average equity | $16,369,000 | 3,523 |
| Average total loans | $81,991,670 | 3,622 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8160% | 1,858 |
| Cost of funding earning assets | 0.7456% | 2,809 |
| Net interest margin | 4.0704% | 1,639 |
| Noninterest income to average assets | 0.2439% | 4,261 |
| Noninterest expense to average assets | 2.1817% | 4,309 |
| Loan and lease loss provision to assets | 0.1031% | 1,709 |
| Net operating income to assets | 1.2718% | 1,807 |
| Return on assets (ROA) | 1.2609% | 1,893 |
| Pretax return on assets | 1.6595% | 1,311 |
| Return on Equity (ROE) | 9.1027% | 2,767 |
| Retained earnings to average equity (ytd only) | 9.1027% | 1,289 |
| Net charge-offs to loans | 0.4470% | 341 |
| Credit loss provision to net charge-offs | 32.2581% | 2,076 |
| Earnings coverage of net charge-offs (x) | 5.5591% | 2,256 |
| Efficiency ratio | 55.1215% | 4,420 |
| Assets per employee ($millions) | 7.0590% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 2,864 |
| Loan loss allowance to noncurrent loans | 1,544.0678% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 4,568 |
| Noncurrent loans to loans | 0.0744% | 4,429 |
| Net loans and leases to total assets | 69.4273% | 2,565 |
| Net loans and leases to deposits | 93.9506% | 1,184 |
| Net loans and leases to core deposits | 99.3828% | 1,674 |
| Total domestic deposits to total assets | 73.8977% | 4,943 |
| Equity capital to assets | 14.4727% | 885 |
| Core capital (leverage) ratio | 13.8399% | 991 |
| Tier 1 risk-based capital ratio | 16.4838% | 2,275 |
| Total risk-based capital ratio | 17.4162% | 2,325 |
| Memoranda: | ||
| Average total assets | $116,421,000 | 3,858 |
| Average earning assets | $106,230,000 | 3,878 |
| Average equity | $16,127,000 | 3,562 |
| Average total loans | $83,229,000 | 3,629 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8672% | 1,375 |
| Cost of funding earning assets | 0.5427% | 3,097 |
| Net interest margin | 4.3245% | 1,099 |
| Noninterest income to average assets | 0.2929% | 4,147 |
| Noninterest expense to average assets | 2.1382% | 4,475 |
| Loan and lease loss provision to assets | 0.1095% | 2,008 |
| Net operating income to assets | 1.5969% | 875 |
| Return on assets (ROA) | 1.5962% | 867 |
| Pretax return on assets | 2.0150% | 545 |
| Return on Equity (ROE) | 11.4583% | 1,912 |
| Retained earnings to average equity (ytd only) | 8.6281% | 1,004 |
| Net charge-offs to loans | -0.0378% | 4,883 |
| Credit loss provision to net charge-offs | -387.0968% | 4,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1498% | 4,934 |
| Assets per employee ($millions) | 7.4936% | 795 |
| Cash dividends to net income (ytd only)* | 24.6998% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 2,986 |
| Loan loss allowance to noncurrent loans | 984.8485% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 4,404 |
| Noncurrent loans to loans | 0.1136% | 4,220 |
| Net loans and leases to total assets | 71.8594% | 2,284 |
| Net loans and leases to deposits | 95.8899% | 1,079 |
| Net loans and leases to core deposits | 105.8816% | 1,278 |
| Total domestic deposits to total assets | 74.9395% | 4,877 |
| Equity capital to assets | 13.2679% | 1,227 |
| Core capital (leverage) ratio | 14.2374% | 859 |
| Tier 1 risk-based capital ratio | 15.0735% | 2,798 |
| Total risk-based capital ratio | 16.0073% | 2,869 |
| Memoranda: | ||
| Average total assets | $109,575,800 | 3,952 |
| Average earning assets | $100,612,200 | 3,967 |
| Average equity | $15,264,000 | 3,604 |
| Average total loans | $82,070,000 | 3,624 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 1,368 |
| Cost of funding earning assets | 0.5187% | 3,073 |
| Net interest margin | 4.3045% | 1,104 |
| Noninterest income to average assets | 0.2953% | 4,171 |
| Noninterest expense to average assets | 2.1558% | 4,416 |
| Loan and lease loss provision to assets | 0.1122% | 1,807 |
| Net operating income to assets | 1.5026% | 1,184 |
| Return on assets (ROA) | 1.5016% | 1,182 |
| Pretax return on assets | 2.0075% | 609 |
| Return on Equity (ROE) | 10.6378% | 2,330 |
| Retained earnings to average equity (ytd only) | 6.8241% | 2,218 |
| Net charge-offs to loans | -0.0511% | 4,937 |
| Credit loss provision to net charge-offs | -290.3226% | 4,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4079% | 4,920 |
| Assets per employee ($millions) | 6.5619% | 1,157 |
| Cash dividends to net income (ytd only)* | 35.8508% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 2,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 75.3379% | 1,759 |
| Net loans and leases to deposits | 100.1342% | 774 |
| Net loans and leases to core deposits | 105.0955% | 1,370 |
| Total domestic deposits to total assets | 75.2369% | 4,862 |
| Equity capital to assets | 14.5860% | 806 |
| Core capital (leverage) ratio | 14.2710% | 868 |
| Tier 1 risk-based capital ratio | 15.6648% | 2,581 |
| Total risk-based capital ratio | 16.6380% | 2,627 |
| Memoranda: | ||
| Average total assets | $106,995,250 | 4,026 |
| Average earning assets | $98,964,000 | 4,030 |
| Average equity | $15,103,000 | 3,648 |
| Average total loans | $80,804,250 | 3,679 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7370% | 1,413 |
| Cost of funding earning assets | 0.4918% | 3,068 |
| Net interest margin | 4.2452% | 1,175 |
| Noninterest income to average assets | 0.3065% | 4,122 |
| Noninterest expense to average assets | 2.1530% | 4,479 |
| Loan and lease loss provision to assets | 0.1115% | 1,772 |
| Net operating income to assets | 1.5693% | 992 |
| Return on assets (ROA) | 1.5679% | 1,002 |
| Pretax return on assets | 1.9691% | 643 |
| Return on Equity (ROE) | 11.2289% | 2,027 |
| Retained earnings to average equity (ytd only) | 11.2289% | 627 |
| Net charge-offs to loans | -0.0765% | 5,068 |
| Credit loss provision to net charge-offs | -193.5484% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8333% | 4,972 |
| Assets per employee ($millions) | 6.5638% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 2,976 |
| Loan loss allowance to noncurrent loans | 45,700.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,058 |
| Noncurrent loans to loans | 0.0025% | 4,965 |
| Net loans and leases to total assets | 74.7686% | 1,822 |
| Net loans and leases to deposits | 98.7897% | 899 |
| Net loans and leases to core deposits | 103.1921% | 1,465 |
| Total domestic deposits to total assets | 75.6846% | 4,884 |
| Equity capital to assets | 14.6924% | 761 |
| Core capital (leverage) ratio | 14.4611% | 791 |
| Tier 1 risk-based capital ratio | 15.8047% | 2,510 |
| Total risk-based capital ratio | 16.7509% | 2,581 |
| Memoranda: | ||
| Average total assets | $107,663,330 | 4,056 |
| Average earning assets | $99,641,000 | 4,056 |
| Average equity | $15,032,670 | 3,680 |
| Average total loans | $81,058,330 | 3,696 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 1,545 |
| Cost of funding earning assets | 0.4726% | 3,017 |
| Net interest margin | 4.1346% | 1,357 |
| Noninterest income to average assets | 0.2863% | 4,257 |
| Noninterest expense to average assets | 2.1581% | 4,514 |
| Loan and lease loss provision to assets | 0.0367% | 3,012 |
| Net operating income to assets | 1.5150% | 1,046 |
| Return on assets (ROA) | 1.5121% | 1,054 |
| Pretax return on assets | 1.9085% | 711 |
| Return on Equity (ROE) | 11.1096% | 1,921 |
| Retained earnings to average equity (ytd only) | 11.1096% | 868 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5469% | 4,924 |
| Assets per employee ($millions) | 6.6654% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,503 |
| Loan loss allowance to noncurrent loans | 116.0167% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 2,314 |
| Noncurrent loans to loans | 0.9312% | 1,957 |
| Net loans and leases to total assets | 71.5189% | 2,247 |
| Net loans and leases to deposits | 92.0993% | 1,446 |
| Net loans and leases to core deposits | 97.3192% | 1,878 |
| Total domestic deposits to total assets | 77.6541% | 4,777 |
| Equity capital to assets | 14.0821% | 867 |
| Core capital (leverage) ratio | 13.5107% | 1,008 |
| Tier 1 risk-based capital ratio | 15.5976% | 2,630 |
| Total risk-based capital ratio | 16.4734% | 2,714 |
| Memoranda: | ||
| Average total assets | $108,985,000 | 4,081 |
| Average earning assets | $100,712,000 | 4,082 |
| Average equity | $14,834,000 | 3,728 |
| Average total loans | $81,869,500 | 3,714 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6105% | 1,398 |
| Cost of funding earning assets | 0.3678% | 3,543 |
| Net interest margin | 4.2427% | 1,095 |
| Noninterest income to average assets | 0.3319% | 4,098 |
| Noninterest expense to average assets | 2.1761% | 4,577 |
| Loan and lease loss provision to assets | 0.0837% | 2,531 |
| Net operating income to assets | 1.3659% | 1,082 |
| Return on assets (ROA) | 1.3646% | 1,108 |
| Pretax return on assets | 1.9837% | 510 |
| Return on Equity (ROE) | 10.3566% | 1,750 |
| Retained earnings to average equity (ytd only) | 7.3018% | 982 |
| Net charge-offs to loans | 0.0958% | 2,123 |
| Credit loss provision to net charge-offs | 115.3846% | 2,270 |
| Earnings coverage of net charge-offs (x) | 28.5385% | 1,599 |
| Efficiency ratio | 51.2590% | 5,150 |
| Assets per employee ($millions) | 6.9578% | 986 |
| Cash dividends to net income (ytd only)* | 29.4959% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 4,204 |
| Loan loss allowance to noncurrent loans | 13,733.3333% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,168 |
| Noncurrent loans to loans | 0.0069% | 5,028 |
| Net loans and leases to total assets | 77.0813% | 1,416 |
| Net loans and leases to deposits | 101.3560% | 632 |
| Net loans and leases to core deposits | 106.9697% | 1,213 |
| Total domestic deposits to total assets | 76.0501% | 4,974 |
| Equity capital to assets | 13.1598% | 1,185 |
| Core capital (leverage) ratio | 13.6415% | 924 |
| Tier 1 risk-based capital ratio | 13.9155% | 3,409 |
| Total risk-based capital ratio | 14.7105% | 3,562 |
| Memoranda: | ||
| Average total assets | $107,577,400 | 4,107 |
| Average earning assets | $99,230,200 | 4,114 |
| Average equity | $14,174,600 | 3,822 |
| Average total loans | $81,390,200 | 3,725 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 1,435 |
| Cost of funding earning assets | 0.3482% | 3,688 |
| Net interest margin | 4.2263% | 1,097 |
| Noninterest income to average assets | 0.3351% | 4,136 |
| Noninterest expense to average assets | 2.1292% | 4,669 |
| Loan and lease loss provision to assets | 0.0750% | 2,571 |
| Net operating income to assets | 1.4070% | 1,068 |
| Return on assets (ROA) | 1.4053% | 1,098 |
| Pretax return on assets | 2.0279% | 520 |
| Return on Equity (ROE) | 10.6620% | 1,839 |
| Retained earnings to average equity (ytd only) | 6.5547% | 1,935 |
| Net charge-offs to loans | 0.1299% | 1,487 |
| Credit loss provision to net charge-offs | 76.9231% | 2,627 |
| Earnings coverage of net charge-offs (x) | 21.5892% | 1,906 |
| Efficiency ratio | 50.2805% | 5,231 |
| Assets per employee ($millions) | 6.3446% | 1,280 |
| Cash dividends to net income (ytd only)* | 38.5232% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,773 |
| Loan loss allowance to noncurrent loans | 125.2366% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 2,637 |
| Noncurrent loans to loans | 0.8407% | 2,256 |
| Net loans and leases to total assets | 73.5078% | 1,999 |
| Net loans and leases to deposits | 91.5302% | 1,620 |
| Net loans and leases to core deposits | 96.8060% | 1,995 |
| Total domestic deposits to total assets | 80.3099% | 4,253 |
| Equity capital to assets | 14.1479% | 956 |
| Core capital (leverage) ratio | 13.8692% | 925 |
| Tier 1 risk-based capital ratio | 14.9346% | 2,949 |
| Total risk-based capital ratio | 15.7769% | 3,083 |
| Memoranda: | ||
| Average total assets | $106,640,750 | 4,166 |
| Average earning assets | $98,397,750 | 4,166 |
| Average equity | $14,055,750 | 3,878 |
| Average total loans | $80,079,250 | 3,778 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 1,886 |
| Cost of funding earning assets | 0.3277% | 3,820 |
| Net interest margin | 4.0503% | 1,458 |
| Noninterest income to average assets | 0.2935% | 4,445 |
| Noninterest expense to average assets | 2.1634% | 4,648 |
| Loan and lease loss provision to assets | 0.0554% | 2,869 |
| Net operating income to assets | 1.2282% | 1,508 |
| Return on assets (ROA) | 1.2257% | 1,551 |
| Pretax return on assets | 1.8126% | 817 |
| Return on Equity (ROE) | 9.5172% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.5172% | 699 |
| Net charge-offs to loans | 0.1911% | 1,047 |
| Credit loss provision to net charge-offs | 38.4615% | 2,656 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,155 |
| Efficiency ratio | 53.6139% | 5,047 |
| Assets per employee ($millions) | 6.4945% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 4,238 |
| Loan loss allowance to noncurrent loans | 24.3848% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 3.0112% | 304 |
| Noncurrent loans to loans | 4.0388% | 234 |
| Net loans and leases to total assets | 73.8230% | 1,901 |
| Net loans and leases to deposits | 92.3328% | 1,451 |
| Net loans and leases to core deposits | 96.8622% | 1,901 |
| Total domestic deposits to total assets | 79.9532% | 4,427 |
| Equity capital to assets | 13.7982% | 1,043 |
| Core capital (leverage) ratio | 13.3270% | 1,045 |
| Tier 1 risk-based capital ratio | 14.2763% | 3,277 |
| Total risk-based capital ratio | 15.0516% | 3,456 |
| Memoranda: | ||
| Average total assets | $108,350,000 | 4,159 |
| Average earning assets | $100,091,330 | 4,163 |
| Average equity | $13,953,670 | 3,893 |
| Average total loans | $81,634,330 | 3,751 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2174% | 2,219 |
| Cost of funding earning assets | 0.3094% | 3,948 |
| Net interest margin | 3.9081% | 1,748 |
| Noninterest income to average assets | 0.2822% | 4,531 |
| Noninterest expense to average assets | 2.1814% | 4,696 |
| Loan and lease loss provision to assets | 0.0543% | 2,718 |
| Net operating income to assets | 1.0465% | 2,084 |
| Return on assets (ROA) | 1.0419% | 2,159 |
| Pretax return on assets | 1.6496% | 1,126 |
| Return on Equity (ROE) | 8.3712% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.3712% | 1,317 |
| Net charge-offs to loans | 0.4587% | 404 |
| Credit loss provision to net charge-offs | 15.6250% | 2,195 |
| Earnings coverage of net charge-offs (x) | 4.9271% | 2,336 |
| Efficiency ratio | 56.0409% | 4,936 |
| Assets per employee ($millions) | 6.7508% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 4,805 |
| Loan loss allowance to noncurrent loans | 25.6311% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 2.6404% | 413 |
| Noncurrent loans to loans | 3.4637% | 356 |
| Net loans and leases to total assets | 75.5546% | 1,491 |
| Net loans and leases to deposits | 98.5771% | 719 |
| Net loans and leases to core deposits | 102.8003% | 1,307 |
| Total domestic deposits to total assets | 76.6452% | 5,157 |
| Equity capital to assets | 12.8912% | 1,305 |
| Core capital (leverage) ratio | 12.6683% | 1,259 |
| Tier 1 risk-based capital ratio | 13.3071% | 3,883 |
| Total risk-based capital ratio | 14.0185% | 4,115 |
| Memoranda: | ||
| Average total assets | $110,569,000 | 4,164 |
| Average earning assets | $102,147,500 | 4,172 |
| Average equity | $13,761,500 | 3,952 |
| Average total loans | $83,714,500 | 3,724 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3038% | 2,127 |
| Cost of funding earning assets | 0.3131% | 3,914 |
| Net interest margin | 3.9906% | 1,658 |
| Noninterest income to average assets | 0.3372% | 4,324 |
| Noninterest expense to average assets | 2.1084% | 4,986 |
| Loan and lease loss provision to assets | 0.0550% | 3,281 |
| Net operating income to assets | 1.3031% | 1,205 |
| Return on assets (ROA) | 1.3075% | 1,263 |
| Pretax return on assets | 1.8821% | 642 |
| Return on Equity (ROE) | 10.7742% | 1,660 |
| Retained earnings to average equity (ytd only) | 7.5049% | 1,034 |
| Net charge-offs to loans | -0.0079% | 4,881 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2005% | 5,371 |
| Assets per employee ($millions) | 7.0704% | 893 |
| Cash dividends to net income (ytd only)* | 30.3434% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 4,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 74.4992% | 1,769 |
| Net loans and leases to deposits | 98.1826% | 814 |
| Net loans and leases to core deposits | 100.9716% | 1,542 |
| Total domestic deposits to total assets | 75.8782% | 5,254 |
| Equity capital to assets | 12.0211% | 1,787 |
| Core capital (leverage) ratio | 12.3675% | 1,396 |
| Tier 1 risk-based capital ratio | 12.8502% | 4,168 |
| Total risk-based capital ratio | 13.6297% | 4,342 |
| Memoranda: | ||
| Average total assets | $109,135,800 | 4,184 |
| Average earning assets | $101,237,200 | 4,184 |
| Average equity | $13,244,600 | 4,062 |
| Average total loans | $75,874,600 | 3,903 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 2,347 |
| Cost of funding earning assets | 0.3158% | 3,920 |
| Net interest margin | 3.9324% | 1,872 |
| Noninterest income to average assets | 0.3477% | 4,300 |
| Noninterest expense to average assets | 2.0356% | 5,135 |
| Loan and lease loss provision to assets | 0.0555% | 3,140 |
| Net operating income to assets | 1.3068% | 1,270 |
| Return on assets (ROA) | 1.3119% | 1,338 |
| Pretax return on assets | 1.9185% | 676 |
| Return on Equity (ROE) | 10.7831% | 1,754 |
| Retained earnings to average equity (ytd only) | 6.3949% | 1,963 |
| Net charge-offs to loans | -0.0109% | 4,794 |
| Credit loss provision to net charge-offs | -750.0000% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8626% | 5,450 |
| Assets per employee ($millions) | 6.4651% | 1,130 |
| Cash dividends to net income (ytd only)* | 40.6956% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 4,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 71.5973% | 2,245 |
| Net loans and leases to deposits | 88.3667% | 1,969 |
| Net loans and leases to core deposits | 92.0344% | 2,375 |
| Total domestic deposits to total assets | 81.0230% | 4,238 |
| Equity capital to assets | 12.9513% | 1,509 |
| Core capital (leverage) ratio | 12.6005% | 1,360 |
| Tier 1 risk-based capital ratio | 13.6566% | 3,766 |
| Total risk-based capital ratio | 14.4914% | 3,923 |
| Memoranda: | ||
| Average total assets | $108,138,250 | 4,235 |
| Average earning assets | $100,496,250 | 4,225 |
| Average equity | $13,156,000 | 4,101 |
| Average total loans | $73,570,750 | 3,982 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 2,756 |
| Cost of funding earning assets | 0.3078% | 4,038 |
| Net interest margin | 3.8195% | 2,242 |
| Noninterest income to average assets | 0.3282% | 4,433 |
| Noninterest expense to average assets | 2.0473% | 5,174 |
| Loan and lease loss provision to assets | 0.0547% | 3,056 |
| Net operating income to assets | 1.2122% | 1,555 |
| Return on assets (ROA) | 1.2196% | 1,632 |
| Pretax return on assets | 1.7884% | 906 |
| Return on Equity (ROE) | 10.2327% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.2327% | 556 |
| Net charge-offs to loans | -0.0164% | 4,869 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7726% | 5,399 |
| Assets per employee ($millions) | 6.6057% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 4,265 |
| Loan loss allowance to noncurrent loans | 219.6629% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 4,147 |
| Noncurrent loans to loans | 0.4746% | 3,659 |
| Net loans and leases to total assets | 70.2359% | 2,443 |
| Net loans and leases to deposits | 89.0778% | 1,857 |
| Net loans and leases to core deposits | 93.2622% | 2,234 |
| Total domestic deposits to total assets | 78.8478% | 4,819 |
| Equity capital to assets | 12.7551% | 1,632 |
| Core capital (leverage) ratio | 12.0482% | 1,595 |
| Tier 1 risk-based capital ratio | 13.6984% | 3,770 |
| Total risk-based capital ratio | 14.5185% | 3,949 |
| Memoranda: | ||
| Average total assets | $109,704,000 | 4,233 |
| Average earning assets | $102,002,330 | 4,225 |
| Average equity | $13,075,670 | 4,143 |
| Average total loans | $73,142,000 | 4,014 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 3,258 |
| Cost of funding earning assets | 0.2966% | 4,200 |
| Net interest margin | 3.6937% | 2,695 |
| Noninterest income to average assets | 0.2721% | 4,785 |
| Noninterest expense to average assets | 2.0482% | 5,226 |
| Loan and lease loss provision to assets | 0.0537% | 2,865 |
| Net operating income to assets | 1.0849% | 1,966 |
| Return on assets (ROA) | 1.0849% | 2,063 |
| Pretax return on assets | 1.6041% | 1,278 |
| Return on Equity (ROE) | 9.4151% | 2,231 |
| Retained earnings to average equity (ytd only) | 9.4151% | 995 |
| Net charge-offs to loans | -0.0055% | 4,320 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2657% | 5,258 |
| Assets per employee ($millions) | 7.2449% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 4,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 63.9634% | 3,246 |
| Net loans and leases to deposits | 82.2752% | 2,513 |
| Net loans and leases to core deposits | 84.7499% | 2,869 |
| Total domestic deposits to total assets | 77.7433% | 5,188 |
| Equity capital to assets | 12.0232% | 2,024 |
| Core capital (leverage) ratio | 11.5777% | 1,921 |
| Tier 1 risk-based capital ratio | 13.9647% | 3,718 |
| Total risk-based capital ratio | 14.8017% | 3,877 |
| Memoranda: | ||
| Average total assets | $111,710,500 | 4,226 |
| Average earning assets | $103,853,000 | 4,216 |
| Average equity | $12,873,000 | 4,180 |
| Average total loans | $72,205,500 | 4,061 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 4,005 |
| Cost of funding earning assets | 0.3461% | 3,735 |
| Net interest margin | 3.4673% | 3,648 |
| Noninterest income to average assets | 0.3054% | 4,701 |
| Noninterest expense to average assets | 1.9559% | 5,533 |
| Loan and lease loss provision to assets | 0.0507% | 3,307 |
| Net operating income to assets | 1.0656% | 2,063 |
| Return on assets (ROA) | 1.0656% | 2,141 |
| Pretax return on assets | 1.5057% | 1,537 |
| Return on Equity (ROE) | 9.3657% | 2,284 |
| Retained earnings to average equity (ytd only) | 5.8546% | 1,868 |
| Net charge-offs to loans | -0.0075% | 5,046 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6869% | 5,374 |
| Assets per employee ($millions) | 7.6499% | 644 |
| Cash dividends to net income (ytd only)* | 37.4892% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 4,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 63.9602% | 3,287 |
| Net loans and leases to deposits | 88.4935% | 1,810 |
| Net loans and leases to core deposits | 91.0244% | 2,314 |
| Total domestic deposits to total assets | 72.2766% | 5,784 |
| Equity capital to assets | 11.0503% | 2,771 |
| Core capital (leverage) ratio | 11.4679% | 1,983 |
| Tier 1 risk-based capital ratio | 13.1768% | 4,182 |
| Total risk-based capital ratio | 13.9699% | 4,400 |
| Memoranda: | ||
| Average total assets | $108,391,600 | 4,287 |
| Average earning assets | $100,250,200 | 4,282 |
| Average equity | $12,332,200 | 4,238 |
| Average total loans | $66,793,800 | 4,174 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 4,106 |
| Cost of funding earning assets | 0.3675% | 3,575 |
| Net interest margin | 3.4252% | 3,854 |
| Noninterest income to average assets | 0.3133% | 4,705 |
| Noninterest expense to average assets | 1.8950% | 5,645 |
| Loan and lease loss provision to assets | 0.0499% | 3,211 |
| Net operating income to assets | 1.0249% | 2,354 |
| Return on assets (ROA) | 1.0249% | 2,438 |
| Pretax return on assets | 1.5330% | 1,589 |
| Return on Equity (ROE) | 8.9393% | 2,606 |
| Retained earnings to average equity (ytd only) | 4.2247% | 3,459 |
| Net charge-offs to loans | -0.0103% | 4,995 |
| Credit loss provision to net charge-offs | -800.0000% | 5,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4867% | 5,475 |
| Assets per employee ($millions) | 7.1262% | 822 |
| Cash dividends to net income (ytd only)* | 52.7406% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 4,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.8468% | 3,756 |
| Net loans and leases to deposits | 79.1658% | 2,969 |
| Net loans and leases to core deposits | 81.2058% | 3,326 |
| Total domestic deposits to total assets | 76.8600% | 5,364 |
| Equity capital to assets | 11.6125% | 2,411 |
| Core capital (leverage) ratio | 11.5857% | 1,968 |
| Tier 1 risk-based capital ratio | 13.7961% | 3,967 |
| Total risk-based capital ratio | 14.6312% | 4,127 |
| Memoranda: | ||
| Average total assets | $106,802,500 | 4,369 |
| Average earning assets | $98,678,000 | 4,366 |
| Average equity | $12,245,250 | 4,314 |
| Average total loans | $64,957,500 | 4,277 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 4,349 |
| Cost of funding earning assets | 0.3685% | 3,621 |
| Net interest margin | 3.3533% | 4,093 |
| Noninterest income to average assets | 0.3091% | 4,744 |
| Noninterest expense to average assets | 1.9537% | 5,627 |
| Loan and lease loss provision to assets | 0.0562% | 2,981 |
| Net operating income to assets | 0.9067% | 2,838 |
| Return on assets (ROA) | 0.9103% | 2,948 |
| Pretax return on assets | 1.3899% | 2,018 |
| Return on Equity (ROE) | 7.9742% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.9742% | 1,282 |
| Net charge-offs to loans | -0.0186% | 5,150 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5607% | 5,272 |
| Assets per employee ($millions) | 6.9363% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 3,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 57.5103% | 4,166 |
| Net loans and leases to deposits | 69.2610% | 4,009 |
| Net loans and leases to core deposits | 70.9563% | 4,229 |
| Total domestic deposits to total assets | 83.0341% | 3,939 |
| Equity capital to assets | 11.8998% | 2,106 |
| Core capital (leverage) ratio | 11.3858% | 2,082 |
| Tier 1 risk-based capital ratio | 14.7226% | 3,518 |
| Total risk-based capital ratio | 15.5959% | 3,653 |
| Memoranda: | ||
| Average total assets | $106,772,330 | 4,405 |
| Average earning assets | $98,232,000 | 4,415 |
| Average equity | $12,189,330 | 4,347 |
| Average total loans | $64,686,330 | 4,321 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 4,546 |
| Cost of funding earning assets | 0.3658% | 3,688 |
| Net interest margin | 3.2798% | 4,294 |
| Noninterest income to average assets | 0.2922% | 4,835 |
| Noninterest expense to average assets | 1.9420% | 5,683 |
| Loan and lease loss provision to assets | 0.0555% | 2,822 |
| Net operating income to assets | 0.8643% | 2,936 |
| Return on assets (ROA) | 0.8619% | 3,064 |
| Pretax return on assets | 1.3095% | 2,245 |
| Return on Equity (ROE) | 7.7066% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.7066% | 1,682 |
| Net charge-offs to loans | -0.0300% | 5,251 |
| Credit loss provision to net charge-offs | -300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6592% | 5,261 |
| Assets per employee ($millions) | 7.0647% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 4,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 58.1546% | 3,923 |
| Net loans and leases to deposits | 73.2277% | 3,398 |
| Net loans and leases to core deposits | 74.3883% | 3,745 |
| Total domestic deposits to total assets | 79.4161% | 5,191 |
| Equity capital to assets | 11.5654% | 2,406 |
| Core capital (leverage) ratio | 11.1768% | 2,246 |
| Tier 1 risk-based capital ratio | 16.1981% | 2,822 |
| Total risk-based capital ratio | 17.1574% | 2,909 |
| Memoranda: | ||
| Average total assets | $108,136,500 | 4,408 |
| Average earning assets | $99,519,000 | 4,409 |
| Average equity | $12,093,500 | 4,400 |
| Average total loans | $66,751,000 | 4,277 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 4,284 |
| Cost of funding earning assets | 0.4277% | 3,407 |
| Net interest margin | 3.4315% | 4,059 |
| Noninterest income to average assets | 0.3025% | 4,948 |
| Noninterest expense to average assets | 2.0720% | 5,633 |
| Loan and lease loss provision to assets | 0.0199% | 4,219 |
| Net operating income to assets | 0.9881% | 2,440 |
| Return on assets (ROA) | 0.9902% | 2,506 |
| Pretax return on assets | 1.3833% | 1,941 |
| Return on Equity (ROE) | 8.5594% | 2,807 |
| Retained earnings to average equity (ytd only) | 4.8346% | 2,734 |
| Net charge-offs to loans | 0.0464% | 3,902 |
| Credit loss provision to net charge-offs | 71.4286% | 3,034 |
| Earnings coverage of net charge-offs (x) | 50.2500% | 924 |
| Efficiency ratio | 59.6733% | 5,267 |
| Assets per employee ($millions) | 7.3535% | 704 |
| Cash dividends to net income (ytd only)* | 43.5176% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 5,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 63.9018% | 3,238 |
| Net loans and leases to deposits | 88.6626% | 1,656 |
| Net loans and leases to core deposits | 89.8493% | 2,300 |
| Total domestic deposits to total assets | 72.0730% | 6,078 |
| Equity capital to assets | 10.8167% | 3,104 |
| Core capital (leverage) ratio | 11.4828% | 1,979 |
| Tier 1 risk-based capital ratio | 11.8859% | 5,436 |
| Total risk-based capital ratio | 12.5835% | 5,673 |
| Memoranda: | ||
| Average total assets | $100,481,600 | 4,586 |
| Average earning assets | $92,816,200 | 4,586 |
| Average equity | $11,624,600 | 4,431 |
| Average total loans | $60,393,800 | 4,476 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8828% | 4,230 |
| Cost of funding earning assets | 0.4440% | 3,322 |
| Net interest margin | 3.4388% | 4,075 |
| Noninterest income to average assets | 0.3033% | 5,015 |
| Noninterest expense to average assets | 2.0293% | 5,722 |
| Loan and lease loss provision to assets | 0.0068% | 4,284 |
| Net operating income to assets | 1.0137% | 2,392 |
| Return on assets (ROA) | 1.0147% | 2,447 |
| Pretax return on assets | 1.4499% | 1,810 |
| Return on Equity (ROE) | 8.6131% | 2,896 |
| Retained earnings to average equity (ytd only) | 3.6138% | 4,078 |
| Net charge-offs to loans | 0.0485% | 3,530 |
| Credit loss provision to net charge-offs | 23.8095% | 3,538 |
| Earnings coverage of net charge-offs (x) | 50.9511% | 965 |
| Efficiency ratio | 58.2358% | 5,416 |
| Assets per employee ($millions) | 6.5737% | 984 |
| Cash dividends to net income (ytd only)* | 58.0431% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 4,640 |
| Loan loss allowance to noncurrent loans | 2,507.4074% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 6,057 |
| Noncurrent loans to loans | 0.0449% | 5,831 |
| Net loans and leases to total assets | 60.3584% | 3,725 |
| Net loans and leases to deposits | 75.7002% | 3,215 |
| Net loans and leases to core deposits | 76.6083% | 3,676 |
| Total domestic deposits to total assets | 79.7335% | 5,167 |
| Equity capital to assets | 11.8248% | 2,209 |
| Core capital (leverage) ratio | 11.7651% | 1,857 |
| Tier 1 risk-based capital ratio | 12.9891% | 4,873 |
| Total risk-based capital ratio | 13.7590% | 5,100 |
| Memoranda: | ||
| Average total assets | $98,026,500 | 4,695 |
| Average earning assets | $90,688,000 | 4,685 |
| Average equity | $11,548,000 | 4,471 |
| Average total loans | $57,699,750 | 4,604 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 4,398 |
| Cost of funding earning assets | 0.4468% | 3,364 |
| Net interest margin | 3.3865% | 4,229 |
| Noninterest income to average assets | 0.2903% | 5,097 |
| Noninterest expense to average assets | 2.0627% | 5,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9623% | 2,494 |
| Return on assets (ROA) | 0.9608% | 2,595 |
| Pretax return on assets | 1.3554% | 2,059 |
| Return on Equity (ROE) | 8.1663% | 3,009 |
| Retained earnings to average equity (ytd only) | 8.1663% | 1,265 |
| Net charge-offs to loans | 0.0739% | 2,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 31.6190% | 1,210 |
| Efficiency ratio | 60.3108% | 5,248 |
| Assets per employee ($millions) | 6.4899% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 4,505 |
| Loan loss allowance to noncurrent loans | 605.4054% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 5,813 |
| Noncurrent loans to loans | 0.1954% | 5,433 |
| Net loans and leases to total assets | 57.6780% | 4,027 |
| Net loans and leases to deposits | 70.7826% | 3,725 |
| Net loans and leases to core deposits | 71.9324% | 4,058 |
| Total domestic deposits to total assets | 81.4862% | 4,816 |
| Equity capital to assets | 12.1737% | 1,869 |
| Core capital (leverage) ratio | 11.9750% | 1,667 |
| Tier 1 risk-based capital ratio | 13.5942% | 4,532 |
| Total risk-based capital ratio | 14.3832% | 4,761 |
| Memoranda: | ||
| Average total assets | $97,833,330 | 4,734 |
| Average earning assets | $90,416,670 | 4,718 |
| Average equity | $11,510,670 | 4,494 |
| Average total loans | $56,868,330 | 4,662 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7346% | 4,728 |
| Cost of funding earning assets | 0.4552% | 3,377 |
| Net interest margin | 3.2794% | 4,623 |
| Noninterest income to average assets | 0.2692% | 5,213 |
| Noninterest expense to average assets | 2.1494% | 5,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8047% | 3,132 |
| Return on assets (ROA) | 0.8075% | 3,194 |
| Pretax return on assets | 1.1501% | 2,697 |
| Return on Equity (ROE) | 6.9838% | 3,479 |
| Retained earnings to average equity (ytd only) | 6.9838% | 2,052 |
| Net charge-offs to loans | 0.0211% | 3,159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 93.6667% | 478 |
| Efficiency ratio | 65.2228% | 4,655 |
| Assets per employee ($millions) | 6.4867% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 4,547 |
| Loan loss allowance to noncurrent loans | 621.6216% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 5,909 |
| Noncurrent loans to loans | 0.1962% | 5,503 |
| Net loans and leases to total assets | 57.4286% | 3,935 |
| Net loans and leases to deposits | 69.4171% | 3,674 |
| Net loans and leases to core deposits | 71.4370% | 3,929 |
| Total domestic deposits to total assets | 82.7297% | 4,701 |
| Equity capital to assets | 11.7893% | 2,017 |
| Core capital (leverage) ratio | 11.7417% | 1,809 |
| Tier 1 risk-based capital ratio | 13.4956% | 4,679 |
| Total risk-based capital ratio | 14.3191% | 4,901 |
| Memoranda: | ||
| Average total assets | $98,075,500 | 4,771 |
| Average earning assets | $90,505,500 | 4,764 |
| Average equity | $11,340,500 | 4,536 |
| Average total loans | $56,892,000 | 4,689 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7561% | 4,956 |
| Cost of funding earning assets | 0.5229% | 3,373 |
| Net interest margin | 3.2331% | 4,885 |
| Noninterest income to average assets | 0.2976% | 5,224 |
| Noninterest expense to average assets | 2.1151% | 5,796 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8700% | 2,926 |
| Return on assets (ROA) | 0.8669% | 3,019 |
| Pretax return on assets | 1.1490% | 2,773 |
| Return on Equity (ROE) | 7.5257% | 3,285 |
| Retained earnings to average equity (ytd only) | 3.6597% | 3,620 |
| Net charge-offs to loans | 0.0486% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 44.6400% | 863 |
| Efficiency ratio | 64.7170% | 4,786 |
| Assets per employee ($millions) | 6.5901% | 947 |
| Cash dividends to net income (ytd only)* | 51.3707% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 4,602 |
| Loan loss allowance to noncurrent loans | 624.3243% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 5,994 |
| Noncurrent loans to loans | 0.1940% | 5,613 |
| Net loans and leases to total assets | 57.1800% | 4,171 |
| Net loans and leases to deposits | 70.7484% | 3,689 |
| Net loans and leases to core deposits | 72.9856% | 3,951 |
| Total domestic deposits to total assets | 80.8216% | 5,230 |
| Equity capital to assets | 11.3403% | 2,304 |
| Core capital (leverage) ratio | 11.4594% | 1,992 |
| Tier 1 risk-based capital ratio | 13.3850% | 4,728 |
| Total risk-based capital ratio | 14.2200% | 4,946 |
| Memoranda: | ||
| Average total assets | $96,780,200 | 4,821 |
| Average earning assets | $88,923,000 | 4,806 |
| Average equity | $11,148,400 | 4,608 |
| Average total loans | $51,479,200 | 4,918 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6980% | 5,175 |
| Cost of funding earning assets | 0.5300% | 3,463 |
| Net interest margin | 3.1680% | 5,088 |
| Noninterest income to average assets | 0.2978% | 5,315 |
| Noninterest expense to average assets | 2.0541% | 5,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8462% | 3,118 |
| Return on assets (ROA) | 0.8421% | 3,258 |
| Pretax return on assets | 1.1524% | 2,884 |
| Return on Equity (ROE) | 7.2815% | 3,498 |
| Retained earnings to average equity (ytd only) | 2.1078% | 5,058 |
| Net charge-offs to loans | 0.0666% | 3,964 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 33.4425% | 1,146 |
| Efficiency ratio | 63.9500% | 4,804 |
| Assets per employee ($millions) | 6.3471% | 1,007 |
| Cash dividends to net income (ytd only)* | 71.0529% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,345 |
| Loan loss allowance to noncurrent loans | 618.7500% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 6,075 |
| Noncurrent loans to loans | 0.2114% | 5,710 |
| Net loans and leases to total assets | 54.9319% | 4,471 |
| Net loans and leases to deposits | 67.2578% | 4,145 |
| Net loans and leases to core deposits | 68.8961% | 4,440 |
| Total domestic deposits to total assets | 81.6736% | 5,038 |
| Equity capital to assets | 11.5496% | 2,263 |
| Core capital (leverage) ratio | 11.3070% | 2,193 |
| Tier 1 risk-based capital ratio | 13.3124% | 4,895 |
| Total risk-based capital ratio | 14.1605% | 5,126 |
| Memoranda: | ||
| Average total assets | $96,262,500 | 4,876 |
| Average earning assets | $88,550,500 | 4,856 |
| Average equity | $11,133,000 | 4,662 |
| Average total loans | $50,045,000 | 5,000 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6495% | 5,291 |
| Cost of funding earning assets | 0.5849% | 3,086 |
| Net interest margin | 3.0646% | 5,381 |
| Noninterest income to average assets | 0.2877% | 5,393 |
| Noninterest expense to average assets | 2.0722% | 5,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7233% | 3,702 |
| Return on assets (ROA) | 0.7204% | 3,888 |
| Pretax return on assets | 1.0206% | 3,416 |
| Return on Equity (ROE) | 6.2261% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.2261% | 2,308 |
| Net charge-offs to loans | 0.0041% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 495.0000% | 92 |
| Efficiency ratio | 66.9118% | 4,377 |
| Assets per employee ($millions) | 6.4237% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 4,028 |
| Loan loss allowance to noncurrent loans | 592.5620% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 6,108 |
| Noncurrent loans to loans | 0.2364% | 5,711 |
| Net loans and leases to total assets | 52.3720% | 4,807 |
| Net loans and leases to deposits | 63.5306% | 4,560 |
| Net loans and leases to core deposits | 65.6003% | 4,729 |
| Total domestic deposits to total assets | 82.4358% | 4,897 |
| Equity capital to assets | 11.4836% | 2,310 |
| Core capital (leverage) ratio | 11.2220% | 2,154 |
| Tier 1 risk-based capital ratio | 13.6075% | 4,705 |
| Total risk-based capital ratio | 14.4905% | 4,905 |
| Memoranda: | ||
| Average total assets | $96,614,330 | 4,899 |
| Average earning assets | $88,560,670 | 4,883 |
| Average equity | $11,178,670 | 4,686 |
| Average total loans | $49,062,670 | 5,068 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5021% | 5,699 |
| Cost of funding earning assets | 0.5412% | 3,659 |
| Net interest margin | 2.9609% | 5,673 |
| Noninterest income to average assets | 0.2853% | 5,421 |
| Noninterest expense to average assets | 2.0590% | 5,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6119% | 4,160 |
| Return on assets (ROA) | 0.6119% | 4,320 |
| Pretax return on assets | 0.9179% | 3,697 |
| Return on Equity (ROE) | 5.2690% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.2690% | 3,070 |
| Net charge-offs to loans | 0.0083% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 182 |
| Efficiency ratio | 69.1667% | 4,122 |
| Assets per employee ($millions) | 6.8259% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 3,505 |
| Loan loss allowance to noncurrent loans | 645.9459% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 6,219 |
| Noncurrent loans to loans | 0.2438% | 5,806 |
| Net loans and leases to total assets | 46.8895% | 5,341 |
| Net loans and leases to deposits | 56.0084% | 5,240 |
| Net loans and leases to core deposits | 57.5433% | 5,380 |
| Total domestic deposits to total assets | 83.7186% | 4,583 |
| Equity capital to assets | 11.8142% | 2,163 |
| Core capital (leverage) ratio | 11.3650% | 1,966 |
| Tier 1 risk-based capital ratio | 14.0360% | 4,482 |
| Total risk-based capital ratio | 14.9636% | 4,674 |
| Memoranda: | ||
| Average total assets | $96,744,000 | 4,938 |
| Average earning assets | $87,946,000 | 4,935 |
| Average equity | $11,235,500 | 4,729 |
| Average total loans | $48,004,000 | 5,128 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 5,296 |
| Cost of funding earning assets | 0.6678% | 3,764 |
| Net interest margin | 3.3343% | 5,124 |
| Noninterest income to average assets | 0.3014% | 5,301 |
| Noninterest expense to average assets | 2.1655% | 5,992 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9204% | 2,709 |
| Return on assets (ROA) | 0.8734% | 3,183 |
| Pretax return on assets | 1.1429% | 3,011 |
| Return on Equity (ROE) | 7.4057% | 3,410 |
| Retained earnings to average equity (ytd only) | 3.5041% | 3,752 |
| Net charge-offs to loans | 0.0356% | 5,424 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 62.8333% | 573 |
| Efficiency ratio | 64.2541% | 4,837 |
| Assets per employee ($millions) | 6.5283% | 989 |
| Cash dividends to net income (ytd only)* | 52.6829% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 4,055 |
| Loan loss allowance to noncurrent loans | 646.8468% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 6,295 |
| Noncurrent loans to loans | 0.2199% | 5,925 |
| Net loans and leases to total assets | 50.8185% | 5,063 |
| Net loans and leases to deposits | 62.5742% | 4,714 |
| Net loans and leases to core deposits | 63.2502% | 5,039 |
| Total domestic deposits to total assets | 81.2132% | 5,335 |
| Equity capital to assets | 11.4179% | 2,517 |
| Core capital (leverage) ratio | 11.2911% | 2,019 |
| Tier 1 risk-based capital ratio | 13.6154% | 4,662 |
| Total risk-based capital ratio | 14.5289% | 4,859 |
| Memoranda: | ||
| Average total assets | $93,883,200 | 4,990 |
| Average earning assets | $86,403,800 | 4,955 |
| Average equity | $11,072,600 | 4,749 |
| Average total loans | $50,631,800 | 5,082 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0579% | 5,337 |
| Cost of funding earning assets | 0.6900% | 3,854 |
| Net interest margin | 3.3679% | 5,149 |
| Noninterest income to average assets | 0.3072% | 5,322 |
| Noninterest expense to average assets | 2.1175% | 6,128 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0357% | 2,338 |
| Return on assets (ROA) | 0.9734% | 2,864 |
| Pretax return on assets | 1.2361% | 2,841 |
| Return on Equity (ROE) | 8.1841% | 3,193 |
| Retained earnings to average equity (ytd only) | 2.9574% | 4,782 |
| Net charge-offs to loans | -0.1131% | 6,878 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6897% | 5,205 |
| Assets per employee ($millions) | 5.9159% | 1,301 |
| Cash dividends to net income (ytd only)* | 63.8642% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 3,636 |
| Loan loss allowance to noncurrent loans | 450.2890% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 6,251 |
| Noncurrent loans to loans | 0.3491% | 5,778 |
| Net loans and leases to total assets | 51.5324% | 5,112 |
| Net loans and leases to deposits | 62.8162% | 4,873 |
| Net loans and leases to core deposits | 63.8439% | 5,165 |
| Total domestic deposits to total assets | 82.0369% | 5,011 |
| Equity capital to assets | 11.7110% | 2,523 |
| Core capital (leverage) ratio | 11.1550% | 2,251 |
| Tier 1 risk-based capital ratio | 13.7320% | 4,739 |
| Total risk-based capital ratio | 14.7452% | 4,835 |
| Memoranda: | ||
| Average total assets | $92,872,750 | 5,057 |
| Average earning assets | $86,183,750 | 5,010 |
| Average equity | $11,045,500 | 4,796 |
| Average total loans | $50,669,250 | 5,142 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1251% | 5,223 |
| Cost of funding earning assets | 0.7218% | 3,833 |
| Net interest margin | 3.4034% | 5,071 |
| Noninterest income to average assets | 0.3099% | 5,336 |
| Noninterest expense to average assets | 2.1739% | 6,072 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0050% | 2,445 |
| Return on assets (ROA) | 0.9103% | 3,122 |
| Pretax return on assets | 1.1725% | 3,043 |
| Return on Equity (ROE) | 7.6140% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.6140% | 1,805 |
| Net charge-offs to loans | -0.1528% | 6,947 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6875% | 5,136 |
| Assets per employee ($millions) | 5.7660% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 3,632 |
| Loan loss allowance to noncurrent loans | 357.1429% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 6,182 |
| Noncurrent loans to loans | 0.4457% | 5,647 |
| Net loans and leases to total assets | 51.9294% | 5,111 |
| Net loans and leases to deposits | 63.0900% | 4,870 |
| Net loans and leases to core deposits | 64.1459% | 5,198 |
| Total domestic deposits to total assets | 82.3101% | 5,013 |
| Equity capital to assets | 12.2073% | 2,001 |
| Core capital (leverage) ratio | 11.5385% | 1,874 |
| Tier 1 risk-based capital ratio | 14.2067% | 4,303 |
| Total risk-based capital ratio | 15.2323% | 4,430 |
| Memoranda: | ||
| Average total assets | $92,278,670 | 5,108 |
| Average earning assets | $85,621,330 | 5,060 |
| Average equity | $11,032,330 | 4,802 |
| Average total loans | $51,040,000 | 5,149 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 5,946 |
| Cost of funding earning assets | 0.7535% | 3,836 |
| Net interest margin | 3.1779% | 5,831 |
| Noninterest income to average assets | 0.2904% | 5,542 |
| Noninterest expense to average assets | 2.1714% | 6,110 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7997% | 3,382 |
| Return on assets (ROA) | 0.8062% | 3,592 |
| Pretax return on assets | 1.0705% | 3,429 |
| Return on Equity (ROE) | 6.8147% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.8147% | 2,523 |
| Net charge-offs to loans | 0.0460% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 40.8333% | 741 |
| Efficiency ratio | 67.1582% | 4,329 |
| Assets per employee ($millions) | 5.8148% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 4,177 |
| Loan loss allowance to noncurrent loans | 294.3548% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 6,218 |
| Noncurrent loans to loans | 0.5081% | 5,654 |
| Net loans and leases to total assets | 51.6741% | 5,065 |
| Net loans and leases to deposits | 62.4615% | 4,851 |
| Net loans and leases to core deposits | 63.7030% | 5,146 |
| Total domestic deposits to total assets | 82.7295% | 5,036 |
| Equity capital to assets | 11.8190% | 2,169 |
| Core capital (leverage) ratio | 11.4759% | 1,909 |
| Tier 1 risk-based capital ratio | 14.1852% | 4,331 |
| Total risk-based capital ratio | 15.1715% | 4,495 |
| Memoranda: | ||
| Average total assets | $92,290,000 | 5,145 |
| Average earning assets | $85,464,500 | 5,101 |
| Average equity | $10,917,500 | 4,836 |
| Average total loans | $52,218,500 | 5,138 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6094% | 4,644 |
| Cost of funding earning assets | 0.9327% | 3,850 |
| Net interest margin | 3.6767% | 4,405 |
| Noninterest income to average assets | 0.3898% | 4,705 |
| Noninterest expense to average assets | 2.3840% | 5,816 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0529% | 1,995 |
| Return on assets (ROA) | 1.0607% | 2,100 |
| Pretax return on assets | 1.4089% | 1,756 |
| Return on Equity (ROE) | 8.6403% | 2,614 |
| Retained earnings to average equity (ytd only) | 4.5133% | 2,962 |
| Net charge-offs to loans | 0.2247% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 10.7946% | 1,790 |
| Efficiency ratio | 63.0275% | 5,294 |
| Assets per employee ($millions) | 5.7214% | 1,427 |
| Cash dividends to net income (ytd only)* | 47.7644% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 4,793 |
| Loan loss allowance to noncurrent loans | 373.6041% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 6,424 |
| Noncurrent loans to loans | 0.3541% | 6,013 |
| Net loans and leases to total assets | 59.9664% | 3,997 |
| Net loans and leases to deposits | 75.7779% | 3,209 |
| Net loans and leases to core deposits | 77.3801% | 3,763 |
| Total domestic deposits to total assets | 79.1344% | 5,959 |
| Equity capital to assets | 11.8403% | 2,250 |
| Core capital (leverage) ratio | 11.6056% | 1,818 |
| Tier 1 risk-based capital ratio | 12.8758% | 5,174 |
| Total risk-based capital ratio | 13.7946% | 5,399 |
| Memoranda: | ||
| Average total assets | $86,452,600 | 5,280 |
| Average earning assets | $79,772,600 | 5,237 |
| Average equity | $10,613,000 | 4,884 |
| Average total loans | $49,835,200 | 5,272 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 4,721 |
| Cost of funding earning assets | 0.9583% | 3,975 |
| Net interest margin | 3.6772% | 4,437 |
| Noninterest income to average assets | 0.3960% | 4,696 |
| Noninterest expense to average assets | 2.4246% | 5,701 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1019% | 1,962 |
| Return on assets (ROA) | 1.1019% | 2,105 |
| Pretax return on assets | 1.3712% | 2,035 |
| Return on Equity (ROE) | 8.8916% | 2,649 |
| Retained earnings to average equity (ytd only) | 3.3596% | 4,336 |
| Net charge-offs to loans | 0.3086% | 3,550 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 7.8214% | 2,293 |
| Efficiency ratio | 63.8763% | 5,095 |
| Assets per employee ($millions) | 5.4302% | 1,672 |
| Cash dividends to net income (ytd only)* | 62.2166% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 4,419 |
| Loan loss allowance to noncurrent loans | 427.9070% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 6,569 |
| Noncurrent loans to loans | 0.3343% | 6,180 |
| Net loans and leases to total assets | 58.3797% | 4,443 |
| Net loans and leases to deposits | 72.3112% | 3,941 |
| Net loans and leases to core deposits | 73.8914% | 4,460 |
| Total domestic deposits to total assets | 80.7339% | 5,520 |
| Equity capital to assets | 12.2924% | 2,028 |
| Core capital (leverage) ratio | 11.7580% | 1,852 |
| Tier 1 risk-based capital ratio | 13.4843% | 4,745 |
| Total risk-based capital ratio | 14.4669% | 4,910 |
| Memoranda: | ||
| Average total assets | $85,180,000 | 5,347 |
| Average earning assets | $78,752,750 | 5,306 |
| Average equity | $10,556,500 | 4,910 |
| Average total loans | $48,386,250 | 5,373 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 4,783 |
| Cost of funding earning assets | 0.9732% | 4,141 |
| Net interest margin | 3.6699% | 4,413 |
| Noninterest income to average assets | 0.3947% | 4,721 |
| Noninterest expense to average assets | 2.5103% | 5,492 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0202% | 2,139 |
| Return on assets (ROA) | 1.0259% | 2,216 |
| Pretax return on assets | 1.2788% | 2,209 |
| Return on Equity (ROE) | 8.2546% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.1595% | 1,403 |
| Net charge-offs to loans | 0.6207% | 2,283 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.6599% | 3,088 |
| Efficiency ratio | 66.3750% | 4,807 |
| Assets per employee ($millions) | 5.3264% | 1,727 |
| Cash dividends to net income (ytd only)* | 1.1521% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 4,289 |
| Loan loss allowance to noncurrent loans | 405.2023% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 6,602 |
| Noncurrent loans to loans | 0.3606% | 6,187 |
| Net loans and leases to total assets | 55.4639% | 5,074 |
| Net loans and leases to deposits | 66.7778% | 4,885 |
| Net loans and leases to core deposits | 68.9279% | 5,195 |
| Total domestic deposits to total assets | 83.0574% | 4,732 |
| Equity capital to assets | 12.7020% | 1,675 |
| Core capital (leverage) ratio | 11.8283% | 1,701 |
| Tier 1 risk-based capital ratio | 14.3768% | 3,884 |
| Total risk-based capital ratio | 15.3589% | 4,059 |
| Memoranda: | ||
| Average total assets | $84,612,330 | 5,407 |
| Average earning assets | $78,095,330 | 5,369 |
| Average equity | $10,515,330 | 4,916 |
| Average total loans | $47,362,330 | 5,460 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6453% | 4,757 |
| Cost of funding earning assets | 0.9785% | 4,358 |
| Net interest margin | 3.6668% | 4,260 |
| Noninterest income to average assets | 0.4507% | 4,277 |
| Noninterest expense to average assets | 2.6285% | 5,117 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9347% | 2,427 |
| Return on assets (ROA) | 0.9347% | 2,490 |
| Pretax return on assets | 1.2004% | 2,364 |
| Return on Equity (ROE) | 7.6058% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.4128% | 1,981 |
| Net charge-offs to loans | -0.1275% | 7,152 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6493% | 4,527 |
| Assets per employee ($millions) | 5.3383% | 1,731 |
| Cash dividends to net income (ytd only)* | 2.5381% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 2,849 |
| Loan loss allowance to noncurrent loans | 257.1429% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 6,219 |
| Noncurrent loans to loans | 0.7207% | 5,569 |
| Net loans and leases to total assets | 53.5738% | 5,371 |
| Net loans and leases to deposits | 63.9977% | 5,253 |
| Net loans and leases to core deposits | 66.9011% | 5,416 |
| Total domestic deposits to total assets | 83.7121% | 4,615 |
| Equity capital to assets | 12.2511% | 1,761 |
| Core capital (leverage) ratio | 12.0069% | 1,562 |
| Tier 1 risk-based capital ratio | 15.1488% | 3,343 |
| Total risk-based capital ratio | 16.4000% | 3,306 |
| Memoranda: | ||
| Average total assets | $84,307,000 | 5,460 |
| Average earning assets | $77,669,500 | 5,423 |
| Average equity | $10,360,500 | 4,953 |
| Average total loans | $47,059,000 | 5,515 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0925% | 4,125 |
| Cost of funding earning assets | 1.1263% | 4,990 |
| Net interest margin | 3.9662% | 3,175 |
| Noninterest income to average assets | 0.3358% | 5,384 |
| Noninterest expense to average assets | 2.5895% | 5,460 |
| Loan and lease loss provision to assets | -0.1961% | 7,624 |
| Net operating income to assets | 1.2647% | 1,257 |
| Return on assets (ROA) | 1.2647% | 1,323 |
| Pretax return on assets | 1.5932% | 1,143 |
| Return on Equity (ROE) | 10.3050% | 1,815 |
| Retained earnings to average equity (ytd only) | 5.9813% | 1,831 |
| Net charge-offs to loans | -0.6838% | 7,594 |
| Credit loss provision to net charge-offs | 50.4732% | 6,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9554% | 5,174 |
| Assets per employee ($millions) | 5.2001% | 1,859 |
| Cash dividends to net income (ytd only)* | 41.9574% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7876% | 2,902 |
| Loan loss allowance to noncurrent loans | 252.6786% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 6,259 |
| Noncurrent loans to loans | 0.7074% | 5,633 |
| Net loans and leases to total assets | 56.0642% | 5,339 |
| Net loans and leases to deposits | 67.2307% | 5,210 |
| Net loans and leases to core deposits | 69.6406% | 5,479 |
| Total domestic deposits to total assets | 83.3908% | 4,648 |
| Equity capital to assets | 12.3280% | 1,726 |
| Core capital (leverage) ratio | 11.9067% | 1,614 |
| Tier 1 risk-based capital ratio | 15.8314% | 2,825 |
| Total risk-based capital ratio | 17.0835% | 2,790 |
| Memoranda: | ||
| Average total assets | $81,598,800 | 5,548 |
| Average earning assets | $75,110,400 | 5,508 |
| Average equity | $10,014,600 | 5,128 |
| Average total loans | $46,360,600 | 5,625 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 4,027 |
| Cost of funding earning assets | 1.1479% | 5,162 |
| Net interest margin | 4.0133% | 3,039 |
| Noninterest income to average assets | 0.4122% | 4,861 |
| Noninterest expense to average assets | 2.5632% | 5,457 |
| Loan and lease loss provision to assets | -0.2627% | 7,731 |
| Net operating income to assets | 1.3399% | 1,257 |
| Return on assets (ROA) | 1.3399% | 1,330 |
| Pretax return on assets | 1.8144% | 900 |
| Return on Equity (ROE) | 10.9300% | 1,805 |
| Retained earnings to average equity (ytd only) | 5.1301% | 2,892 |
| Net charge-offs to loans | -0.7408% | 7,695 |
| Credit loss provision to net charge-offs | 62.5000% | 5,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2905% | 5,567 |
| Assets per employee ($millions) | 5.1603% | 1,986 |
| Cash dividends to net income (ytd only)* | 53.0640% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 3,198 |
| Loan loss allowance to noncurrent loans | 197.9849% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 6,220 |
| Noncurrent loans to loans | 0.8511% | 5,520 |
| Net loans and leases to total assets | 55.5405% | 5,616 |
| Net loans and leases to deposits | 66.8664% | 5,564 |
| Net loans and leases to core deposits | 68.7738% | 5,869 |
| Total domestic deposits to total assets | 83.0618% | 4,569 |
| Equity capital to assets | 12.1359% | 2,069 |
| Core capital (leverage) ratio | 11.7635% | 1,782 |
| Tier 1 risk-based capital ratio | 15.3654% | 3,066 |
| Total risk-based capital ratio | 16.6151% | 3,028 |
| Memoranda: | ||
| Average total assets | $81,198,250 | 5,629 |
| Average earning assets | $74,916,250 | 5,576 |
| Average equity | $9,954,000 | 5,206 |
| Average total loans | $46,077,000 | 5,728 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2670% | 3,617 |
| Cost of funding earning assets | 1.1746% | 5,270 |
| Net interest margin | 4.0924% | 2,595 |
| Noninterest income to average assets | 0.4038% | 4,887 |
| Noninterest expense to average assets | 2.4844% | 5,772 |
| Loan and lease loss provision to assets | -0.3963% | 7,805 |
| Net operating income to assets | 1.5035% | 910 |
| Return on assets (ROA) | 1.5035% | 972 |
| Pretax return on assets | 2.0955% | 493 |
| Return on Equity (ROE) | 12.2231% | 1,394 |
| Retained earnings to average equity (ytd only) | 12.2231% | 456 |
| Net charge-offs to loans | -1.1158% | 7,765 |
| Credit loss provision to net charge-offs | 62.5000% | 5,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3843% | 6,165 |
| Assets per employee ($millions) | 5.1008% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 3,083 |
| Loan loss allowance to noncurrent loans | 196.9925% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 6,228 |
| Noncurrent loans to loans | 0.8626% | 5,544 |
| Net loans and leases to total assets | 55.7173% | 5,744 |
| Net loans and leases to deposits | 69.8205% | 5,309 |
| Net loans and leases to core deposits | 72.2041% | 5,648 |
| Total domestic deposits to total assets | 79.8008% | 5,788 |
| Equity capital to assets | 12.5337% | 1,775 |
| Core capital (leverage) ratio | 11.9757% | 1,654 |
| Tier 1 risk-based capital ratio | 15.9523% | 2,696 |
| Total risk-based capital ratio | 17.2030% | 2,657 |
| Memoranda: | ||
| Average total assets | $80,742,670 | 5,674 |
| Average earning assets | $74,578,000 | 5,621 |
| Average equity | $9,932,000 | 5,221 |
| Average total loans | $45,888,330 | 5,764 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6214% | 2,064 |
| Cost of funding earning assets | 1.2444% | 5,147 |
| Net interest margin | 4.3770% | 1,453 |
| Noninterest income to average assets | 0.3835% | 5,062 |
| Noninterest expense to average assets | 2.6498% | 5,144 |
| Loan and lease loss provision to assets | -0.7969% | 7,912 |
| Net operating income to assets | 1.7582% | 545 |
| Return on assets (ROA) | 1.7582% | 596 |
| Pretax return on assets | 2.5601% | 232 |
| Return on Equity (ROE) | 14.4325% | 968 |
| Retained earnings to average equity (ytd only) | 14.4325% | 458 |
| Net charge-offs to loans | -2.2843% | 7,869 |
| Credit loss provision to net charge-offs | 61.3027% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0451% | 6,163 |
| Assets per employee ($millions) | 4.8868% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 2,785 |
| Loan loss allowance to noncurrent loans | 72.1715% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.4017% | 4,410 |
| Noncurrent loans to loans | 2.4692% | 3,198 |
| Net loans and leases to total assets | 55.7572% | 5,782 |
| Net loans and leases to deposits | 67.4016% | 5,660 |
| Net loans and leases to core deposits | 70.3037% | 5,888 |
| Total domestic deposits to total assets | 82.7239% | 4,744 |
| Equity capital to assets | 12.7217% | 1,641 |
| Core capital (leverage) ratio | 11.6291% | 1,841 |
| Tier 1 risk-based capital ratio | 16.0441% | 2,641 |
| Total risk-based capital ratio | 17.2966% | 2,592 |
| Memoranda: | ||
| Average total assets | $80,308,000 | 5,762 |
| Average earning assets | $73,931,500 | 5,707 |
| Average equity | $9,783,500 | 5,298 |
| Average total loans | $45,703,500 | 5,855 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0442% | 6,293 |
| Cost of funding earning assets | 1.5488% | 5,289 |
| Net interest margin | 3.4954% | 4,974 |
| Noninterest income to average assets | 0.4071% | 5,143 |
| Noninterest expense to average assets | 2.3987% | 6,471 |
| Loan and lease loss provision to assets | 0.4171% | 4,315 |
| Net operating income to assets | 0.6493% | 3,139 |
| Return on assets (ROA) | 0.6493% | 3,196 |
| Pretax return on assets | 0.7954% | 3,256 |
| Return on Equity (ROE) | 5.4399% | 3,458 |
| Retained earnings to average equity (ytd only) | 0.9415% | 4,369 |
| Net charge-offs to loans | 0.7310% | 3,004 |
| Credit loss provision to net charge-offs | 99.1098% | 5,628 |
| Earnings coverage of net charge-offs (x) | 2.8813% | 3,649 |
| Efficiency ratio | 66.4246% | 5,303 |
| Assets per employee ($millions) | 5.1517% | 2,017 |
| Cash dividends to net income (ytd only)* | 82.6923% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 3,895 |
| Loan loss allowance to noncurrent loans | 103.2885% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8116% | 5,482 |
| Noncurrent loans to loans | 1.4228% | 4,545 |
| Net loans and leases to total assets | 56.2061% | 5,920 |
| Net loans and leases to deposits | 67.0997% | 5,932 |
| Net loans and leases to core deposits | 75.5800% | 6,430 |
| Total domestic deposits to total assets | 83.7650% | 4,146 |
| Equity capital to assets | 11.6709% | 2,203 |
| Core capital (leverage) ratio | 11.1644% | 2,134 |
| Tier 1 risk-based capital ratio | 14.6173% | 3,147 |
| Total risk-based capital ratio | 15.7366% | 3,168 |
| Memoranda: | ||
| Average total assets | $80,084,400 | 5,729 |
| Average earning assets | $73,410,400 | 5,704 |
| Average equity | $9,559,000 | 5,425 |
| Average total loans | $46,103,000 | 5,832 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0025% | 6,591 |
| Cost of funding earning assets | 1.6187% | 5,316 |
| Net interest margin | 3.3838% | 5,339 |
| Noninterest income to average assets | 0.4109% | 5,206 |
| Noninterest expense to average assets | 2.4084% | 6,391 |
| Loan and lease loss provision to assets | 0.4830% | 3,486 |
| Net operating income to assets | 0.4495% | 4,195 |
| Return on assets (ROA) | 0.4495% | 4,298 |
| Pretax return on assets | 0.6222% | 4,118 |
| Return on Equity (ROE) | 3.7440% | 4,471 |
| Retained earnings to average equity (ytd only) | -2.2632% | 5,773 |
| Net charge-offs to loans | 0.9824% | 2,004 |
| Credit loss provision to net charge-offs | 85.2071% | 5,618 |
| Earnings coverage of net charge-offs (x) | 1.9497% | 4,349 |
| Efficiency ratio | 68.5442% | 4,876 |
| Assets per employee ($millions) | 4.9790% | 2,176 |
| Cash dividends to net income (ytd only)* | 160.4500% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 3,766 |
| Loan loss allowance to noncurrent loans | 65.6473% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.2314% | 4,597 |
| Noncurrent loans to loans | 2.1847% | 3,399 |
| Net loans and leases to total assets | 55.5571% | 6,190 |
| Net loans and leases to deposits | 66.3961% | 6,273 |
| Net loans and leases to core deposits | 74.9061% | 6,673 |
| Total domestic deposits to total assets | 83.6752% | 3,872 |
| Equity capital to assets | 11.8284% | 2,335 |
| Core capital (leverage) ratio | 11.0183% | 2,391 |
| Tier 1 risk-based capital ratio | 14.8089% | 3,131 |
| Total risk-based capital ratio | 15.8977% | 3,150 |
| Memoranda: | ||
| Average total assets | $79,498,750 | 5,786 |
| Average earning assets | $72,894,750 | 5,758 |
| Average equity | $9,543,750 | 5,476 |
| Average total loans | $45,873,750 | 5,891 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9843% | 6,824 |
| Cost of funding earning assets | 1.6936% | 5,301 |
| Net interest margin | 3.2907% | 5,589 |
| Noninterest income to average assets | 0.4229% | 5,099 |
| Noninterest expense to average assets | 2.3992% | 6,459 |
| Loan and lease loss provision to assets | 0.1007% | 6,166 |
| Net operating income to assets | 0.7678% | 2,975 |
| Return on assets (ROA) | 0.7678% | 3,081 |
| Pretax return on assets | 0.9264% | 3,252 |
| Return on Equity (ROE) | 6.3648% | 3,492 |
| Retained earnings to average equity (ytd only) | 6.3648% | 1,854 |
| Net charge-offs to loans | 0.4546% | 3,007 |
| Credit loss provision to net charge-offs | 38.0952% | 5,931 |
| Earnings coverage of net charge-offs (x) | 3.8857% | 3,285 |
| Efficiency ratio | 70.0220% | 4,778 |
| Assets per employee ($millions) | 4.9882% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 3,966 |
| Loan loss allowance to noncurrent loans | 45.0896% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 1.7479% | 3,557 |
| Noncurrent loans to loans | 3.0003% | 2,407 |
| Net loans and leases to total assets | 57.4695% | 6,039 |
| Net loans and leases to deposits | 68.5278% | 6,136 |
| Net loans and leases to core deposits | 80.0373% | 6,406 |
| Total domestic deposits to total assets | 83.8631% | 3,838 |
| Equity capital to assets | 12.1988% | 2,092 |
| Core capital (leverage) ratio | 11.7550% | 1,951 |
| Tier 1 risk-based capital ratio | 15.3443% | 2,875 |
| Total risk-based capital ratio | 16.3906% | 2,896 |
| Memoranda: | ||
| Average total assets | $79,443,670 | 5,817 |
| Average earning assets | $72,507,330 | 5,810 |
| Average equity | $9,584,000 | 5,491 |
| Average total loans | $46,197,330 | 5,925 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8517% | 7,286 |
| Cost of funding earning assets | 1.7971% | 5,125 |
| Net interest margin | 3.0545% | 6,324 |
| Noninterest income to average assets | 0.4189% | 5,066 |
| Noninterest expense to average assets | 2.3618% | 6,336 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6106% | 3,972 |
| Return on assets (ROA) | 0.6106% | 4,167 |
| Pretax return on assets | 0.8277% | 3,983 |
| Return on Equity (ROE) | 5.0905% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.0905% | 3,068 |
| Net charge-offs to loans | 0.3214% | 2,813 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.4324% | 2,885 |
| Efficiency ratio | 74.0506% | 3,815 |
| Assets per employee ($millions) | 4.8277% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 3,086 |
| Loan loss allowance to noncurrent loans | 40.8328% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 2.0830% | 2,770 |
| Noncurrent loans to loans | 3.6240% | 1,731 |
| Net loans and leases to total assets | 56.6278% | 6,150 |
| Net loans and leases to deposits | 67.8092% | 6,203 |
| Net loans and leases to core deposits | 77.1923% | 6,596 |
| Total domestic deposits to total assets | 83.5105% | 3,916 |
| Equity capital to assets | 12.4128% | 2,022 |
| Core capital (leverage) ratio | 11.6442% | 2,072 |
| Tier 1 risk-based capital ratio | 15.7372% | 2,775 |
| Total risk-based capital ratio | 16.8825% | 2,741 |
| Memoranda: | ||
| Average total assets | $79,260,000 | 5,853 |
| Average earning assets | $71,893,000 | 5,848 |
| Average equity | $9,508,000 | 5,534 |
| Average total loans | $46,048,000 | 5,961 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4106% | 3,358 |
| Cost of funding earning assets | 2.2940% | 5,179 |
| Net interest margin | 4.1166% | 2,639 |
| Noninterest income to average assets | 0.4402% | 5,115 |
| Noninterest expense to average assets | 2.3761% | 6,486 |
| Loan and lease loss provision to assets | 0.8421% | 1,774 |
| Net operating income to assets | 0.7543% | 3,646 |
| Return on assets (ROA) | 0.5522% | 4,369 |
| Pretax return on assets | 0.6695% | 4,489 |
| Return on Equity (ROE) | 4.4003% | 4,638 |
| Retained earnings to average equity (ytd only) | -0.1155% | 5,309 |
| Net charge-offs to loans | 1.3521% | 868 |
| Credit loss provision to net charge-offs | 106.8562% | 5,024 |
| Earnings coverage of net charge-offs (x) | 2.2308% | 4,962 |
| Efficiency ratio | 57.4753% | 6,784 |
| Assets per employee ($millions) | 5.0798% | 1,869 |
| Cash dividends to net income (ytd only)* | 102.6253% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 2,896 |
| Loan loss allowance to noncurrent loans | 145.4927% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 5,428 |
| Noncurrent loans to loans | 1.0000% | 4,596 |
| Net loans and leases to total assets | 57.8319% | 6,224 |
| Net loans and leases to deposits | 68.1781% | 6,446 |
| Net loans and leases to core deposits | 76.2557% | 6,849 |
| Total domestic deposits to total assets | 84.8247% | 2,924 |
| Equity capital to assets | 11.5998% | 2,573 |
| Core capital (leverage) ratio | 11.3643% | 2,326 |
| Tier 1 risk-based capital ratio | 14.7114% | 3,198 |
| Total risk-based capital ratio | 15.8570% | 3,171 |
| Memoranda: | ||
| Average total assets | $75,880,200 | 5,843 |
| Average earning assets | $68,090,600 | 5,896 |
| Average equity | $9,522,000 | 5,564 |
| Average total loans | $44,228,800 | 5,966 |