Home > Winnsboro State Bank & Trust Company > Performance and Condition Ratios
Winnsboro State Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8611% | 758 |
| Cost of funding earning assets | 1.7518% | 1,348 |
| Net interest margin | 4.1093% | 1,060 |
| Noninterest income to average assets | 2.0800% | 259 |
| Noninterest expense to average assets | 2.9655% | 1,171 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 2.8039% | 186 |
| Return on assets (ROA) | 2.8039% | 187 |
| Pretax return on assets | 2.8039% | 253 |
| Return on Equity (ROE) | 29.7700% | 185 |
| Retained earnings to average equity (ytd only) | 26.7421% | 62 |
| Net charge-offs to loans | 0.1651% | 635 |
| Credit loss provision to net charge-offs | 140.7407% | 1,520 |
| Earnings coverage of net charge-offs (x) | 24.0642% | 1,775 |
| Efficiency ratio | 49.2880% | 4,024 |
| Assets per employee ($millions) | 6.3636% | 2,505 |
| Cash dividends to net income (ytd only)* | 10.1678% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,255 |
| Loan loss allowance to noncurrent loans | 65.7240% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.1608% | 384 |
| Noncurrent loans to loans | 1.5367% | 440 |
| Net loans and leases to total assets | 71.5900% | 1,632 |
| Net loans and leases to deposits | 87.6803% | 1,466 |
| Net loans and leases to core deposits | 111.1938% | 912 |
| Total domestic deposits to total assets | 81.6500% | 3,191 |
| Equity capital to assets | 10.4872% | 1,727 |
| Core capital (leverage) ratio | 11.2276% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0878% | 1,254 |
| Memoranda: | ||
| Average total assets | $327,262,600 | 2,281 |
| Average earning assets | $307,792,800 | 2,259 |
| Average equity | $30,824,000 | 2,233 |
| Average total loans | $245,318,400 | 2,029 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7383% | 745 |
| Cost of funding earning assets | 1.6122% | 1,352 |
| Net interest margin | 4.1261% | 1,021 |
| Noninterest income to average assets | 2.5100% | 230 |
| Noninterest expense to average assets | 2.9606% | 1,126 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 3.3055% | 149 |
| Return on assets (ROA) | 3.3055% | 149 |
| Pretax return on assets | 3.3055% | 184 |
| Return on Equity (ROE) | 36.1900% | 149 |
| Retained earnings to average equity (ytd only) | 31.9725% | 75 |
| Net charge-offs to loans | 0.0436% | 1,264 |
| Credit loss provision to net charge-offs | 376.2500% | 747 |
| Earnings coverage of net charge-offs (x) | 103.9125% | 902 |
| Efficiency ratio | 45.7551% | 4,148 |
| Assets per employee ($millions) | 5.8385% | 2,892 |
| Cash dividends to net income (ytd only)* | 11.6450% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,305 |
| Loan loss allowance to noncurrent loans | 113.8421% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7315% | 771 |
| Noncurrent loans to loans | 0.8890% | 929 |
| Net loans and leases to total assets | 74.1100% | 1,326 |
| Net loans and leases to deposits | 87.5542% | 1,423 |
| Net loans and leases to core deposits | 109.4450% | 890 |
| Total domestic deposits to total assets | 84.6500% | 2,617 |
| Equity capital to assets | 9.6967% | 1,997 |
| Core capital (leverage) ratio | 11.0782% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8319% | 1,365 |
| Memoranda: | ||
| Average total assets | $323,169,000 | 2,299 |
| Average earning assets | $303,684,500 | 2,280 |
| Average equity | $29,520,500 | 2,272 |
| Average total loans | $244,519,750 | 2,028 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5847% | 745 |
| Cost of funding earning assets | 1.4210% | 1,389 |
| Net interest margin | 4.1637% | 978 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.7659% | 1,488 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.5081% | 1,084 |
| Return on assets (ROA) | 1.5081% | 1,087 |
| Pretax return on assets | 1.5081% | 1,586 |
| Return on Equity (ROE) | 16.8800% | 1,118 |
| Retained earnings to average equity (ytd only) | 12.4440% | 895 |
| Net charge-offs to loans | 0.0075% | 1,952 |
| Credit loss provision to net charge-offs | 2,044.4444% | 252 |
| Earnings coverage of net charge-offs (x) | 286.8889% | 466 |
| Efficiency ratio | 62.1633% | 2,695 |
| Assets per employee ($millions) | 5.6547% | 3,017 |
| Cash dividends to net income (ytd only)* | 26.2719% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,422 |
| Loan loss allowance to noncurrent loans | 143.5897% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.5351% | 1,019 |
| Noncurrent loans to loans | 0.6959% | 1,075 |
| Net loans and leases to total assets | 76.1200% | 1,037 |
| Net loans and leases to deposits | 89.8975% | 1,197 |
| Net loans and leases to core deposits | 112.9598% | 714 |
| Total domestic deposits to total assets | 84.6800% | 2,631 |
| Equity capital to assets | 8.8178% | 2,645 |
| Core capital (leverage) ratio | 9.7271% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3961% | 2,134 |
| Memoranda: | ||
| Average total assets | $318,014,667 | 2,338 |
| Average earning assets | $298,100,667 | 2,327 |
| Average equity | $28,415,333 | 2,337 |
| Average total loans | $241,512,333 | 2,040 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4523% | 663 |
| Cost of funding earning assets | 1.2031% | 1,441 |
| Net interest margin | 4.2492% | 878 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.8150% | 1,401 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.5206% | 1,143 |
| Return on assets (ROA) | 1.5206% | 1,124 |
| Pretax return on assets | 1.5206% | 1,625 |
| Return on Equity (ROE) | 16.9000% | 1,191 |
| Retained earnings to average equity (ytd only) | 12.3850% | 1,195 |
| Net charge-offs to loans | -0.0017% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1745% | 2,665 |
| Assets per employee ($millions) | 5.6735% | 3,049 |
| Cash dividends to net income (ytd only)* | 26.7227% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,478 |
| Loan loss allowance to noncurrent loans | 188.7433% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 1,289 |
| Noncurrent loans to loans | 0.5347% | 1,384 |
| Net loans and leases to total assets | 74.2600% | 1,169 |
| Net loans and leases to deposits | 85.9572% | 1,353 |
| Net loans and leases to core deposits | 106.3409% | 822 |
| Total domestic deposits to total assets | 86.3900% | 2,481 |
| Equity capital to assets | 8.8281% | 2,646 |
| Core capital (leverage) ratio | 10.0114% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4884% | 2,180 |
| Memoranda: | ||
| Average total assets | $313,035,500 | 2,393 |
| Average earning assets | $293,233,000 | 2,384 |
| Average equity | $28,163,000 | 2,378 |
| Average total loans | $236,175,500 | 2,090 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9404% | 336 |
| Cost of funding earning assets | 0.3959% | 2,139 |
| Net interest margin | 4.5445% | 271 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 3.1341% | 788 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.5334% | 811 |
| Return on assets (ROA) | 1.5334% | 784 |
| Pretax return on assets | 1.5334% | 1,353 |
| Return on Equity (ROE) | 16.0000% | 1,056 |
| Retained earnings to average equity (ytd only) | -1.6595% | 4,468 |
| Net charge-offs to loans | 0.2236% | 361 |
| Credit loss provision to net charge-offs | 76.0000% | 1,697 |
| Earnings coverage of net charge-offs (x) | 9.9537% | 2,208 |
| Efficiency ratio | 64.5086% | 2,434 |
| Assets per employee ($millions) | 5.3102% | 3,410 |
| Cash dividends to net income (ytd only)* | 110.3733% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 4,022 |
| Loan loss allowance to noncurrent loans | 144.4792% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 1,220 |
| Noncurrent loans to loans | 0.5558% | 1,333 |
| Net loans and leases to total assets | 75.3000% | 1,089 |
| Net loans and leases to deposits | 92.9046% | 853 |
| Net loans and leases to core deposits | 103.5421% | 836 |
| Total domestic deposits to total assets | 81.0500% | 3,748 |
| Equity capital to assets | 9.1769% | 2,240 |
| Core capital (leverage) ratio | 10.3744% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7076% | 2,087 |
| Memoranda: | ||
| Average total assets | $284,799,800 | 2,530 |
| Average earning assets | $267,731,600 | 2,504 |
| Average equity | $27,298,000 | 2,463 |
| Average total loans | $212,443,200 | 2,153 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7917% | 290 |
| Cost of funding earning assets | 0.3440% | 1,753 |
| Net interest margin | 4.4477% | 262 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 3.0335% | 869 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.5753% | 696 |
| Return on assets (ROA) | 1.5753% | 676 |
| Pretax return on assets | 1.5753% | 1,188 |
| Return on Equity (ROE) | 16.2500% | 931 |
| Retained earnings to average equity (ytd only) | -0.3630% | 4,375 |
| Net charge-offs to loans | 0.1480% | 446 |
| Credit loss provision to net charge-offs | 125.5411% | 1,197 |
| Earnings coverage of net charge-offs (x) | 15.5931% | 1,842 |
| Efficiency ratio | 63.0160% | 2,685 |
| Assets per employee ($millions) | 5.0083% | 3,668 |
| Cash dividends to net income (ytd only)* | 102.2343% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 3,867 |
| Loan loss allowance to noncurrent loans | 275.3070% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 1,956 |
| Noncurrent loans to loans | 0.3257% | 2,070 |
| Net loans and leases to total assets | 76.7700% | 834 |
| Net loans and leases to deposits | 88.1842% | 1,022 |
| Net loans and leases to core deposits | 95.9187% | 1,005 |
| Total domestic deposits to total assets | 87.0600% | 2,741 |
| Equity capital to assets | 9.3991% | 1,952 |
| Core capital (leverage) ratio | 10.3951% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6706% | 1,824 |
| Memoranda: | ||
| Average total assets | $280,329,000 | 2,567 |
| Average earning assets | $264,729,000 | 2,544 |
| Average equity | $27,178,250 | 2,502 |
| Average total loans | $208,112,500 | 2,182 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 337 |
| Cost of funding earning assets | 0.3458% | 1,311 |
| Net interest margin | 4.2149% | 325 |
| Noninterest income to average assets | 0.6023% | 1,729 |
| Noninterest expense to average assets | 2.9631% | 887 |
| Loan and lease loss provision to assets | 0.1495% | 637 |
| Net operating income to assets | 1.4689% | 760 |
| Return on assets (ROA) | 1.4689% | 741 |
| Pretax return on assets | 1.4689% | 1,252 |
| Return on Equity (ROE) | 14.9908% | 896 |
| Retained earnings to average equity (ytd only) | -7.6207% | 4,614 |
| Net charge-offs to loans | 0.2153% | 301 |
| Credit loss provision to net charge-offs | 94.9541% | 1,323 |
| Earnings coverage of net charge-offs (x) | 10.2798% | 1,758 |
| Efficiency ratio | 63.7453% | 2,803 |
| Assets per employee ($millions) | 5.0385% | 3,645 |
| Cash dividends to net income (ytd only)* | 150.8358% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 3,963 |
| Loan loss allowance to noncurrent loans | 239.3120% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 1,941 |
| Noncurrent loans to loans | 0.3745% | 2,019 |
| Net loans and leases to total assets | 72.4672% | 1,056 |
| Net loans and leases to deposits | 83.3971% | 1,159 |
| Net loans and leases to core deposits | 90.3408% | 1,102 |
| Total domestic deposits to total assets | 86.8941% | 2,976 |
| Equity capital to assets | 9.4133% | 2,086 |
| Core capital (leverage) ratio | 10.3341% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7197% | 1,792 |
| Memoranda: | ||
| Average total assets | $276,944,000 | 2,602 |
| Average earning assets | $261,455,667 | 2,591 |
| Average equity | $27,136,667 | 2,574 |
| Average total loans | $202,474,333 | 2,216 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 293 |
| Cost of funding earning assets | 0.3495% | 1,207 |
| Net interest margin | 4.1796% | 295 |
| Noninterest income to average assets | 0.5233% | 2,023 |
| Noninterest expense to average assets | 3.0512% | 754 |
| Loan and lease loss provision to assets | 0.0090% | 2,157 |
| Net operating income to assets | 1.4079% | 781 |
| Return on assets (ROA) | 1.4079% | 776 |
| Pretax return on assets | 1.4079% | 1,230 |
| Return on Equity (ROE) | 14.0603% | 822 |
| Retained earnings to average equity (ytd only) | 9.2987% | 1,185 |
| Net charge-offs to loans | 0.0697% | 647 |
| Credit loss provision to net charge-offs | 17.6471% | 1,295 |
| Earnings coverage of net charge-offs (x) | 27.7941% | 1,165 |
| Efficiency ratio | 67.2819% | 2,594 |
| Assets per employee ($millions) | 4.6605% | 4,029 |
| Cash dividends to net income (ytd only)* | 33.8658% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 3,768 |
| Loan loss allowance to noncurrent loans | 178.1365% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 1,502 |
| Noncurrent loans to loans | 0.5565% | 1,648 |
| Net loans and leases to total assets | 71.3436% | 893 |
| Net loans and leases to deposits | 83.3120% | 930 |
| Net loans and leases to core deposits | 90.0221% | 923 |
| Total domestic deposits to total assets | 85.6343% | 3,364 |
| Equity capital to assets | 9.6397% | 2,183 |
| Core capital (leverage) ratio | 9.9319% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6309% | 1,940 |
| Memoranda: | ||
| Average total assets | $266,780,500 | 2,682 |
| Average earning assets | $251,791,500 | 2,672 |
| Average equity | $26,713,500 | 2,667 |
| Average total loans | $195,025,500 | 2,262 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9063% | 298 |
| Cost of funding earning assets | 0.4830% | 999 |
| Net interest margin | 4.4233% | 314 |
| Noninterest income to average assets | 1.1279% | 827 |
| Noninterest expense to average assets | 3.4799% | 490 |
| Loan and lease loss provision to assets | 0.1310% | 935 |
| Net operating income to assets | 1.6819% | 660 |
| Return on assets (ROA) | 1.6819% | 686 |
| Pretax return on assets | 1.6819% | 1,195 |
| Return on Equity (ROE) | 16.9281% | 601 |
| Retained earnings to average equity (ytd only) | 5.9796% | 2,371 |
| Net charge-offs to loans | 0.0728% | 1,063 |
| Credit loss provision to net charge-offs | 252.2059% | 1,165 |
| Earnings coverage of net charge-offs (x) | 34.9118% | 1,510 |
| Efficiency ratio | 64.8968% | 2,419 |
| Assets per employee ($millions) | 4.5388% | 4,086 |
| Cash dividends to net income (ytd only)* | 64.6765% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,738 |
| Loan loss allowance to noncurrent loans | 173.8243% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 1,531 |
| Noncurrent loans to loans | 0.5771% | 1,699 |
| Net loans and leases to total assets | 73.4326% | 714 |
| Net loans and leases to deposits | 86.2303% | 764 |
| Net loans and leases to core deposits | 93.7975% | 791 |
| Total domestic deposits to total assets | 85.1587% | 3,218 |
| Equity capital to assets | 10.3969% | 2,268 |
| Core capital (leverage) ratio | 9.5200% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0213% | 2,244 |
| Memoranda: | ||
| Average total assets | $261,901,200 | 2,652 |
| Average earning assets | $246,603,200 | 2,641 |
| Average equity | $26,021,800 | 2,782 |
| Average total loans | $186,853,400 | 2,331 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9728% | 318 |
| Cost of funding earning assets | 0.5206% | 951 |
| Net interest margin | 4.4522% | 341 |
| Noninterest income to average assets | 1.3676% | 634 |
| Noninterest expense to average assets | 3.1023% | 817 |
| Loan and lease loss provision to assets | 0.0700% | 1,614 |
| Net operating income to assets | 2.3851% | 247 |
| Return on assets (ROA) | 2.3851% | 258 |
| Pretax return on assets | 2.3851% | 397 |
| Return on Equity (ROE) | 24.2888% | 198 |
| Retained earnings to average equity (ytd only) | 18.5008% | 179 |
| Net charge-offs to loans | 0.0895% | 803 |
| Credit loss provision to net charge-offs | 110.4839% | 1,515 |
| Earnings coverage of net charge-offs (x) | 38.8387% | 1,388 |
| Efficiency ratio | 55.0083% | 3,658 |
| Assets per employee ($millions) | 4.8163% | 3,876 |
| Cash dividends to net income (ytd only)* | 23.8299% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,074 |
| Loan loss allowance to noncurrent loans | 79.3615% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 834 |
| Noncurrent loans to loans | 1.1698% | 951 |
| Net loans and leases to total assets | 71.1035% | 972 |
| Net loans and leases to deposits | 83.9900% | 965 |
| Net loans and leases to core deposits | 91.0581% | 976 |
| Total domestic deposits to total assets | 84.6571% | 3,243 |
| Equity capital to assets | 10.3282% | 2,594 |
| Core capital (leverage) ratio | 10.3150% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2874% | 1,868 |
| Memoranda: | ||
| Average total assets | $261,563,750 | 2,681 |
| Average earning assets | $246,134,250 | 2,663 |
| Average equity | $25,684,750 | 2,835 |
| Average total loans | $184,749,000 | 2,385 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1964% | 259 |
| Cost of funding earning assets | 0.5645% | 892 |
| Net interest margin | 4.6319% | 297 |
| Noninterest income to average assets | 0.4500% | 2,839 |
| Noninterest expense to average assets | 3.1031% | 839 |
| Loan and lease loss provision to assets | 0.0538% | 1,965 |
| Net operating income to assets | 1.6533% | 947 |
| Return on assets (ROA) | 1.6533% | 1,001 |
| Pretax return on assets | 1.6533% | 1,606 |
| Return on Equity (ROE) | 17.1372% | 759 |
| Retained earnings to average equity (ytd only) | 13.3324% | 662 |
| Net charge-offs to loans | -0.0011% | 3,101 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5696% | 2,489 |
| Assets per employee ($millions) | 4.7537% | 3,879 |
| Cash dividends to net income (ytd only)* | 22.2016% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 3,980 |
| Loan loss allowance to noncurrent loans | 82.8260% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 910 |
| Noncurrent loans to loans | 1.1537% | 1,051 |
| Net loans and leases to total assets | 73.6086% | 801 |
| Net loans and leases to deposits | 87.9248% | 780 |
| Net loans and leases to core deposits | 95.4405% | 832 |
| Total domestic deposits to total assets | 83.7176% | 3,520 |
| Equity capital to assets | 10.0736% | 2,786 |
| Core capital (leverage) ratio | 9.5060% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3502% | 2,228 |
| Memoranda: | ||
| Average total assets | $260,452,667 | 2,682 |
| Average earning assets | $245,168,667 | 2,659 |
| Average equity | $25,126,667 | 2,871 |
| Average total loans | $182,960,000 | 2,417 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9433% | 383 |
| Cost of funding earning assets | 0.6058% | 859 |
| Net interest margin | 4.3375% | 482 |
| Noninterest income to average assets | 0.4041% | 3,062 |
| Noninterest expense to average assets | 3.0389% | 931 |
| Loan and lease loss provision to assets | 0.0290% | 2,406 |
| Net operating income to assets | 1.4196% | 1,524 |
| Return on assets (ROA) | 1.4196% | 1,597 |
| Pretax return on assets | 1.4196% | 2,228 |
| Return on Equity (ROE) | 15.0401% | 1,203 |
| Retained earnings to average equity (ytd only) | 12.4715% | 1,037 |
| Net charge-offs to loans | 0.0089% | 1,591 |
| Credit loss provision to net charge-offs | 475.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 237.5000% | 355 |
| Efficiency ratio | 66.7006% | 2,125 |
| Assets per employee ($millions) | 5.0223% | 3,629 |
| Cash dividends to net income (ytd only)* | 17.0784% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 3,967 |
| Loan loss allowance to noncurrent loans | 78.8839% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8415% | 1,057 |
| Noncurrent loans to loans | 1.2288% | 1,070 |
| Net loans and leases to total assets | 67.8219% | 1,553 |
| Net loans and leases to deposits | 80.7433% | 1,448 |
| Net loans and leases to core deposits | 89.2109% | 1,273 |
| Total domestic deposits to total assets | 83.9970% | 3,434 |
| Equity capital to assets | 9.3335% | 3,352 |
| Core capital (leverage) ratio | 9.3467% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5095% | 2,081 |
| Memoranda: | ||
| Average total assets | $262,328,500 | 2,651 |
| Average earning assets | $246,960,000 | 2,632 |
| Average equity | $24,760,500 | 2,889 |
| Average total loans | $179,051,500 | 2,443 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 687 |
| Cost of funding earning assets | 1.0117% | 568 |
| Net interest margin | 3.8259% | 1,435 |
| Noninterest income to average assets | 0.5427% | 2,455 |
| Noninterest expense to average assets | 3.0977% | 1,238 |
| Loan and lease loss provision to assets | 0.1686% | 2,276 |
| Net operating income to assets | 0.8651% | 2,844 |
| Return on assets (ROA) | 0.8651% | 2,981 |
| Pretax return on assets | 0.8651% | 3,461 |
| Return on Equity (ROE) | 9.2849% | 2,289 |
| Retained earnings to average equity (ytd only) | 5.8712% | 1,860 |
| Net charge-offs to loans | 0.0510% | 2,063 |
| Credit loss provision to net charge-offs | 463.7363% | 1,312 |
| Earnings coverage of net charge-offs (x) | 28.4286% | 1,660 |
| Efficiency ratio | 73.8369% | 1,474 |
| Assets per employee ($millions) | 4.8769% | 3,525 |
| Cash dividends to net income (ytd only)* | 36.7667% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 3,881 |
| Loan loss allowance to noncurrent loans | 73.1524% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.9266% | 1,053 |
| Noncurrent loans to loans | 1.3623% | 997 |
| Net loans and leases to total assets | 67.3389% | 1,912 |
| Net loans and leases to deposits | 80.8674% | 1,781 |
| Net loans and leases to core deposits | 90.8851% | 1,462 |
| Total domestic deposits to total assets | 83.2708% | 3,340 |
| Equity capital to assets | 9.5471% | 3,562 |
| Core capital (leverage) ratio | 9.0301% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2350% | 2,154 |
| Memoranda: | ||
| Average total assets | $250,248,200 | 2,577 |
| Average earning assets | $234,743,200 | 2,562 |
| Average equity | $23,317,400 | 2,917 |
| Average total loans | $178,270,400 | 2,424 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9345% | 687 |
| Cost of funding earning assets | 1.0817% | 571 |
| Net interest margin | 3.8528% | 1,471 |
| Noninterest income to average assets | 0.4566% | 2,809 |
| Noninterest expense to average assets | 3.1217% | 1,195 |
| Loan and lease loss provision to assets | 0.2091% | 1,921 |
| Net operating income to assets | 0.7365% | 3,331 |
| Return on assets (ROA) | 0.7365% | 3,434 |
| Pretax return on assets | 0.7365% | 3,807 |
| Return on Equity (ROE) | 7.9554% | 2,824 |
| Retained earnings to average equity (ytd only) | 5.7388% | 2,219 |
| Net charge-offs to loans | 0.0634% | 1,700 |
| Credit loss provision to net charge-offs | 457.6471% | 1,350 |
| Earnings coverage of net charge-offs (x) | 20.7059% | 1,892 |
| Efficiency ratio | 75.5779% | 1,242 |
| Assets per employee ($millions) | 4.9210% | 3,349 |
| Cash dividends to net income (ytd only)* | 27.8629% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 3,918 |
| Loan loss allowance to noncurrent loans | 69.1383% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.9532% | 1,178 |
| Noncurrent loans to loans | 1.3635% | 1,073 |
| Net loans and leases to total assets | 68.2131% | 2,207 |
| Net loans and leases to deposits | 81.2894% | 2,169 |
| Net loans and leases to core deposits | 94.8882% | 1,552 |
| Total domestic deposits to total assets | 83.9139% | 2,845 |
| Equity capital to assets | 8.8567% | 4,214 |
| Core capital (leverage) ratio | 8.5175% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3336% | 2,486 |
| Memoranda: | ||
| Average total assets | $248,191,250 | 2,577 |
| Average earning assets | $232,589,500 | 2,559 |
| Average equity | $22,977,500 | 2,939 |
| Average total loans | $178,886,250 | 2,419 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1594% | 620 |
| Cost of funding earning assets | 1.1574% | 596 |
| Net interest margin | 4.0020% | 1,315 |
| Noninterest income to average assets | 0.5034% | 2,546 |
| Noninterest expense to average assets | 3.2359% | 1,097 |
| Loan and lease loss provision to assets | 0.2245% | 1,865 |
| Net operating income to assets | 0.7840% | 3,091 |
| Return on assets (ROA) | 0.7840% | 3,209 |
| Pretax return on assets | 0.7840% | 3,636 |
| Return on Equity (ROE) | 8.3364% | 2,618 |
| Retained earnings to average equity (ytd only) | 6.1075% | 2,030 |
| Net charge-offs to loans | 0.0755% | 1,497 |
| Credit loss provision to net charge-offs | 405.9701% | 1,392 |
| Earnings coverage of net charge-offs (x) | 18.2388% | 1,775 |
| Efficiency ratio | 75.0924% | 1,362 |
| Assets per employee ($millions) | 4.5598% | 3,708 |
| Cash dividends to net income (ytd only)* | 26.7368% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8788% | 4,086 |
| Loan loss allowance to noncurrent loans | 57.9060% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.1388% | 981 |
| Noncurrent loans to loans | 1.5177% | 996 |
| Net loans and leases to total assets | 71.8194% | 1,747 |
| Net loans and leases to deposits | 86.5378% | 1,711 |
| Net loans and leases to core deposits | 99.1946% | 1,314 |
| Total domestic deposits to total assets | 82.9919% | 3,088 |
| Equity capital to assets | 9.2575% | 3,872 |
| Core capital (leverage) ratio | 8.8715% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2307% | 2,510 |
| Memoranda: | ||
| Average total assets | $242,344,333 | 2,593 |
| Average earning assets | $226,538,667 | 2,578 |
| Average equity | $22,791,667 | 2,944 |
| Average total loans | $177,518,667 | 2,420 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1566% | 709 |
| Cost of funding earning assets | 1.2268% | 703 |
| Net interest margin | 3.9298% | 1,580 |
| Noninterest income to average assets | 0.6496% | 1,832 |
| Noninterest expense to average assets | 3.4938% | 949 |
| Loan and lease loss provision to assets | 0.1832% | 1,633 |
| Net operating income to assets | 0.6343% | 3,497 |
| Return on assets (ROA) | 0.6343% | 3,557 |
| Pretax return on assets | 0.6343% | 3,849 |
| Return on Equity (ROE) | 6.6863% | 3,072 |
| Retained earnings to average equity (ytd only) | 4.4158% | 2,530 |
| Net charge-offs to loans | 0.1266% | 953 |
| Credit loss provision to net charge-offs | 196.3636% | 1,427 |
| Earnings coverage of net charge-offs (x) | 8.7636% | 1,849 |
| Efficiency ratio | 79.8584% | 1,155 |
| Assets per employee ($millions) | 4.3066% | 3,528 |
| Cash dividends to net income (ytd only)* | 33.9572% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 4,307 |
| Loan loss allowance to noncurrent loans | 39.8056% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.5769% | 658 |
| Noncurrent loans to loans | 2.1093% | 645 |
| Net loans and leases to total assets | 72.1832% | 1,895 |
| Net loans and leases to deposits | 88.3451% | 1,721 |
| Net loans and leases to core deposits | 101.0712% | 1,395 |
| Total domestic deposits to total assets | 81.7059% | 3,494 |
| Equity capital to assets | 9.3050% | 4,390 |
| Core capital (leverage) ratio | 9.2180% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2396% | 2,597 |
| Memoranda: | ||
| Average total assets | $235,848,000 | 2,590 |
| Average earning assets | $219,756,500 | 2,574 |
| Average equity | $22,374,000 | 2,968 |
| Average total loans | $173,770,000 | 2,430 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2915% | 834 |
| Cost of funding earning assets | 1.2181% | 985 |
| Net interest margin | 4.0734% | 1,611 |
| Noninterest income to average assets | 0.6312% | 2,089 |
| Noninterest expense to average assets | 3.2007% | 1,517 |
| Loan and lease loss provision to assets | 0.3391% | 459 |
| Net operating income to assets | 0.8992% | 3,209 |
| Return on assets (ROA) | 0.9094% | 3,260 |
| Pretax return on assets | 0.9094% | 3,718 |
| Return on Equity (ROE) | 9.8885% | 2,346 |
| Retained earnings to average equity (ytd only) | 5.9000% | 1,922 |
| Net charge-offs to loans | 0.3088% | 671 |
| Credit loss provision to net charge-offs | 147.8873% | 1,742 |
| Earnings coverage of net charge-offs (x) | 5.4004% | 3,093 |
| Efficiency ratio | 71.4479% | 1,950 |
| Assets per employee ($millions) | 4.1165% | 3,749 |
| Cash dividends to net income (ytd only)* | 40.3349% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 4,230 |
| Loan loss allowance to noncurrent loans | 39.4284% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.6393% | 582 |
| Noncurrent loans to loans | 2.0956% | 603 |
| Net loans and leases to total assets | 73.9876% | 1,756 |
| Net loans and leases to deposits | 89.3836% | 1,657 |
| Net loans and leases to core deposits | 102.3622% | 1,378 |
| Total domestic deposits to total assets | 82.7754% | 3,278 |
| Equity capital to assets | 9.6766% | 4,197 |
| Core capital (leverage) ratio | 9.4250% | 4,137 |
| Tier 1 risk-based capital ratio | 12.9355% | 3,820 |
| Total risk-based capital ratio | 13.7951% | 3,929 |
| Memoranda: | ||
| Average total assets | $216,736,400 | 2,694 |
| Average earning assets | $202,607,000 | 2,685 |
| Average equity | $19,932,200 | 3,140 |
| Average total loans | $160,962,200 | 2,501 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2439% | 958 |
| Cost of funding earning assets | 1.2116% | 1,009 |
| Net interest margin | 4.0323% | 1,828 |
| Noninterest income to average assets | 0.5420% | 2,501 |
| Noninterest expense to average assets | 3.2562% | 1,362 |
| Loan and lease loss provision to assets | 0.2482% | 663 |
| Net operating income to assets | 0.8095% | 3,648 |
| Return on assets (ROA) | 0.8233% | 3,682 |
| Pretax return on assets | 0.8233% | 4,066 |
| Return on Equity (ROE) | 9.0801% | 2,859 |
| Retained earnings to average equity (ytd only) | 6.4533% | 2,141 |
| Net charge-offs to loans | 0.2604% | 671 |
| Credit loss provision to net charge-offs | 128.4790% | 1,842 |
| Earnings coverage of net charge-offs (x) | 5.4757% | 2,918 |
| Efficiency ratio | 75.0036% | 1,445 |
| Assets per employee ($millions) | 3.9906% | 3,919 |
| Cash dividends to net income (ytd only)* | 28.9295% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7485% | 4,549 |
| Loan loss allowance to noncurrent loans | 31.4215% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.8816% | 503 |
| Noncurrent loans to loans | 2.3822% | 511 |
| Net loans and leases to total assets | 74.0915% | 1,802 |
| Net loans and leases to deposits | 89.5617% | 1,752 |
| Net loans and leases to core deposits | 102.3124% | 1,473 |
| Total domestic deposits to total assets | 82.7268% | 3,243 |
| Equity capital to assets | 9.6944% | 4,294 |
| Core capital (leverage) ratio | 9.3860% | 4,295 |
| Tier 1 risk-based capital ratio | 12.8610% | 3,925 |
| Total risk-based capital ratio | 13.6337% | 4,088 |
| Memoranda: | ||
| Average total assets | $213,289,250 | 2,739 |
| Average earning assets | $199,516,500 | 2,739 |
| Average equity | $19,338,500 | 3,210 |
| Average total loans | $158,207,500 | 2,555 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0653% | 1,310 |
| Cost of funding earning assets | 1.1526% | 1,127 |
| Net interest margin | 3.9128% | 2,209 |
| Noninterest income to average assets | 0.6223% | 2,055 |
| Noninterest expense to average assets | 3.1865% | 1,538 |
| Loan and lease loss provision to assets | 0.2589% | 588 |
| Net operating income to assets | 0.8458% | 3,485 |
| Return on assets (ROA) | 0.8458% | 3,545 |
| Pretax return on assets | 0.8458% | 3,985 |
| Return on Equity (ROE) | 9.5691% | 2,603 |
| Retained earnings to average equity (ytd only) | 6.8134% | 1,893 |
| Net charge-offs to loans | 0.3641% | 457 |
| Credit loss provision to net charge-offs | 96.0854% | 2,062 |
| Earnings coverage of net charge-offs (x) | 4.0996% | 2,766 |
| Efficiency ratio | 74.2570% | 1,614 |
| Assets per employee ($millions) | 4.7184% | 2,850 |
| Cash dividends to net income (ytd only)* | 28.7982% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 4,699 |
| Loan loss allowance to noncurrent loans | 33.4379% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.6306% | 658 |
| Noncurrent loans to loans | 2.1176% | 649 |
| Net loans and leases to total assets | 71.0827% | 2,366 |
| Net loans and leases to deposits | 86.1714% | 2,240 |
| Net loans and leases to core deposits | 97.4653% | 1,930 |
| Total domestic deposits to total assets | 82.4899% | 3,376 |
| Equity capital to assets | 9.3614% | 4,530 |
| Core capital (leverage) ratio | 10.2476% | 3,341 |
| Tier 1 risk-based capital ratio | 12.6171% | 4,066 |
| Total risk-based capital ratio | 13.3352% | 4,255 |
| Memoranda: | ||
| Average total assets | $208,565,000 | 2,797 |
| Average earning assets | $195,564,670 | 2,777 |
| Average equity | $18,434,330 | 3,302 |
| Average total loans | $154,343,000 | 2,616 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2405% | 837 |
| Cost of funding earning assets | 1.1345% | 1,078 |
| Net interest margin | 4.1059% | 1,534 |
| Noninterest income to average assets | 0.3569% | 3,465 |
| Noninterest expense to average assets | 3.3704% | 1,162 |
| Loan and lease loss provision to assets | 0.1156% | 1,524 |
| Net operating income to assets | 0.7240% | 3,860 |
| Return on assets (ROA) | 0.7240% | 3,910 |
| Pretax return on assets | 0.7240% | 4,245 |
| Return on Equity (ROE) | 8.4851% | 3,046 |
| Retained earnings to average equity (ytd only) | 5.4666% | 2,709 |
| Net charge-offs to loans | 0.7556% | 195 |
| Credit loss provision to net charge-offs | 20.2847% | 2,134 |
| Earnings coverage of net charge-offs (x) | 1.4733% | 2,594 |
| Efficiency ratio | 80.0578% | 1,060 |
| Assets per employee ($millions) | 4.1889% | 3,642 |
| Cash dividends to net income (ytd only)* | 35.5742% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6367% | 4,871 |
| Loan loss allowance to noncurrent loans | 27.0827% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 2.1466% | 419 |
| Noncurrent loans to loans | 2.3508% | 575 |
| Net loans and leases to total assets | 74.4382% | 1,722 |
| Net loans and leases to deposits | 92.7053% | 1,315 |
| Net loans and leases to core deposits | 100.6740% | 1,560 |
| Total domestic deposits to total assets | 80.2955% | 4,117 |
| Equity capital to assets | 8.4803% | 4,998 |
| Core capital (leverage) ratio | 9.4413% | 4,208 |
| Tier 1 risk-based capital ratio | 11.5265% | 4,730 |
| Total risk-based capital ratio | 12.1277% | 4,934 |
| Memoranda: | ||
| Average total assets | $197,245,500 | 2,927 |
| Average earning assets | $185,097,500 | 2,902 |
| Average equity | $16,829,500 | 3,493 |
| Average total loans | $148,755,500 | 2,703 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1641% | 747 |
| Cost of funding earning assets | 0.9451% | 944 |
| Net interest margin | 4.2190% | 1,352 |
| Noninterest income to average assets | 0.5470% | 2,567 |
| Noninterest expense to average assets | 3.2489% | 1,433 |
| Loan and lease loss provision to assets | 0.3265% | 486 |
| Net operating income to assets | 0.9535% | 3,210 |
| Return on assets (ROA) | 0.9550% | 3,200 |
| Pretax return on assets | 0.9550% | 3,744 |
| Return on Equity (ROE) | 11.2804% | 1,977 |
| Retained earnings to average equity (ytd only) | 8.8954% | 904 |
| Net charge-offs to loans | 0.2026% | 946 |
| Credit loss provision to net charge-offs | 215.3846% | 1,346 |
| Earnings coverage of net charge-offs (x) | 8.4441% | 2,896 |
| Efficiency ratio | 71.7379% | 1,939 |
| Assets per employee ($millions) | 3.9474% | 3,966 |
| Cash dividends to net income (ytd only)* | 21.1432% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 4,423 |
| Loan loss allowance to noncurrent loans | 50.8510% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.2842% | 995 |
| Noncurrent loans to loans | 1.6401% | 893 |
| Net loans and leases to total assets | 75.3041% | 1,727 |
| Net loans and leases to deposits | 93.0954% | 1,389 |
| Net loans and leases to core deposits | 101.3090% | 1,625 |
| Total domestic deposits to total assets | 80.8892% | 3,918 |
| Equity capital to assets | 8.5863% | 4,877 |
| Core capital (leverage) ratio | 9.3814% | 4,259 |
| Tier 1 risk-based capital ratio | 11.8269% | 4,550 |
| Total risk-based capital ratio | 12.6248% | 4,686 |
| Memoranda: | ||
| Average total assets | $188,681,800 | 2,973 |
| Average earning assets | $178,074,600 | 2,943 |
| Average equity | $15,974,600 | 3,512 |
| Average total loans | $141,178,400 | 2,754 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0757% | 800 |
| Cost of funding earning assets | 0.8829% | 991 |
| Net interest margin | 4.1928% | 1,374 |
| Noninterest income to average assets | 0.5760% | 2,443 |
| Noninterest expense to average assets | 3.2320% | 1,455 |
| Loan and lease loss provision to assets | 0.3755% | 348 |
| Net operating income to assets | 0.9365% | 3,366 |
| Return on assets (ROA) | 0.9394% | 3,354 |
| Pretax return on assets | 0.9394% | 3,901 |
| Return on Equity (ROE) | 11.1360% | 2,126 |
| Retained earnings to average equity (ytd only) | 7.9241% | 1,692 |
| Net charge-offs to loans | 0.0687% | 1,852 |
| Credit loss provision to net charge-offs | 733.3333% | 517 |
| Earnings coverage of net charge-offs (x) | 25.6244% | 1,769 |
| Efficiency ratio | 71.1268% | 2,020 |
| Assets per employee ($millions) | 4.0392% | 3,820 |
| Cash dividends to net income (ytd only)* | 28.8419% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 4,119 |
| Loan loss allowance to noncurrent loans | 50.8851% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 931 |
| Noncurrent loans to loans | 1.8347% | 836 |
| Net loans and leases to total assets | 73.9419% | 1,993 |
| Net loans and leases to deposits | 92.4969% | 1,564 |
| Net loans and leases to core deposits | 100.6367% | 1,729 |
| Total domestic deposits to total assets | 79.9399% | 4,135 |
| Equity capital to assets | 8.3174% | 5,025 |
| Core capital (leverage) ratio | 9.3610% | 4,320 |
| Tier 1 risk-based capital ratio | 11.5534% | 4,761 |
| Total risk-based capital ratio | 12.4365% | 4,854 |
| Memoranda: | ||
| Average total assets | $187,496,000 | 3,008 |
| Average earning assets | $177,441,250 | 2,971 |
| Average equity | $15,816,250 | 3,558 |
| Average total loans | $139,752,500 | 2,785 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 800 |
| Cost of funding earning assets | 0.8374% | 975 |
| Net interest margin | 4.1710% | 1,350 |
| Noninterest income to average assets | 0.4197% | 3,354 |
| Noninterest expense to average assets | 3.2476% | 1,439 |
| Loan and lease loss provision to assets | 0.2169% | 761 |
| Net operating income to assets | 0.9052% | 3,434 |
| Return on assets (ROA) | 0.9085% | 3,427 |
| Pretax return on assets | 0.9085% | 3,938 |
| Return on Equity (ROE) | 10.7172% | 2,223 |
| Retained earnings to average equity (ytd only) | 7.4970% | 1,845 |
| Net charge-offs to loans | 0.0912% | 1,431 |
| Credit loss provision to net charge-offs | 319.0476% | 964 |
| Earnings coverage of net charge-offs (x) | 16.5079% | 1,993 |
| Efficiency ratio | 74.3210% | 1,661 |
| Assets per employee ($millions) | 4.2126% | 3,561 |
| Cash dividends to net income (ytd only)* | 30.0475% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7183% | 4,903 |
| Loan loss allowance to noncurrent loans | 40.4781% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3858% | 1,005 |
| Noncurrent loans to loans | 1.7746% | 882 |
| Net loans and leases to total assets | 75.3147% | 1,750 |
| Net loans and leases to deposits | 93.2242% | 1,444 |
| Net loans and leases to core deposits | 102.1844% | 1,552 |
| Total domestic deposits to total assets | 80.7887% | 4,061 |
| Equity capital to assets | 8.3944% | 5,018 |
| Core capital (leverage) ratio | 9.1876% | 4,477 |
| Tier 1 risk-based capital ratio | 10.9675% | 5,067 |
| Total risk-based capital ratio | 11.6215% | 5,230 |
| Memoranda: | ||
| Average total assets | $185,367,330 | 3,044 |
| Average earning assets | $175,546,000 | 3,004 |
| Average equity | $15,713,000 | 3,585 |
| Average total loans | $138,099,670 | 2,816 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9152% | 844 |
| Cost of funding earning assets | 0.7643% | 1,127 |
| Net interest margin | 4.1509% | 1,296 |
| Noninterest income to average assets | 0.4038% | 3,434 |
| Noninterest expense to average assets | 3.3437% | 1,262 |
| Loan and lease loss provision to assets | 0.2052% | 801 |
| Net operating income to assets | 0.7901% | 3,748 |
| Return on assets (ROA) | 0.7988% | 3,716 |
| Pretax return on assets | 0.7988% | 4,154 |
| Return on Equity (ROE) | 9.3768% | 2,729 |
| Retained earnings to average equity (ytd only) | 6.1487% | 2,644 |
| Net charge-offs to loans | -0.0562% | 5,021 |
| Credit loss provision to net charge-offs | -494.7368% | 3,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0624% | 1,451 |
| Assets per employee ($millions) | 4.2350% | 3,589 |
| Cash dividends to net income (ytd only)* | 34.4262% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7308% | 4,963 |
| Loan loss allowance to noncurrent loans | 27.8761% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.9996% | 572 |
| Noncurrent loans to loans | 2.6215% | 496 |
| Net loans and leases to total assets | 73.4847% | 1,950 |
| Net loans and leases to deposits | 89.8255% | 1,709 |
| Net loans and leases to core deposits | 98.2190% | 1,821 |
| Total domestic deposits to total assets | 81.8083% | 4,012 |
| Equity capital to assets | 8.3681% | 5,067 |
| Core capital (leverage) ratio | 9.3246% | 4,286 |
| Tier 1 risk-based capital ratio | 11.1295% | 5,066 |
| Total risk-based capital ratio | 11.7904% | 5,245 |
| Memoranda: | ||
| Average total assets | $183,268,000 | 3,097 |
| Average earning assets | $173,747,000 | 3,055 |
| Average equity | $15,613,000 | 3,634 |
| Average total loans | $135,247,500 | 2,869 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 735 |
| Cost of funding earning assets | 0.6640% | 1,225 |
| Net interest margin | 4.2732% | 1,025 |
| Noninterest income to average assets | 0.4217% | 3,492 |
| Noninterest expense to average assets | 3.2548% | 1,481 |
| Loan and lease loss provision to assets | 0.2943% | 588 |
| Net operating income to assets | 0.9210% | 2,591 |
| Return on assets (ROA) | 0.9488% | 2,483 |
| Pretax return on assets | 0.9488% | 3,741 |
| Return on Equity (ROE) | 10.7647% | 1,562 |
| Retained earnings to average equity (ytd only) | 5.5861% | 1,781 |
| Net charge-offs to loans | 0.2337% | 1,108 |
| Credit loss provision to net charge-offs | 177.6224% | 1,522 |
| Earnings coverage of net charge-offs (x) | 7.3357% | 3,055 |
| Efficiency ratio | 72.8133% | 2,097 |
| Assets per employee ($millions) | 4.0044% | 3,949 |
| Cash dividends to net income (ytd only)* | 48.1074% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6752% | 5,113 |
| Loan loss allowance to noncurrent loans | 84.6736% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 2,295 |
| Noncurrent loans to loans | 0.7974% | 2,216 |
| Net loans and leases to total assets | 73.0652% | 2,083 |
| Net loans and leases to deposits | 88.7222% | 1,936 |
| Net loans and leases to core deposits | 95.3195% | 2,088 |
| Total domestic deposits to total assets | 82.3527% | 3,774 |
| Equity capital to assets | 8.6755% | 4,971 |
| Core capital (leverage) ratio | 9.3696% | 4,203 |
| Tier 1 risk-based capital ratio | 11.4484% | 4,886 |
| Total risk-based capital ratio | 12.0606% | 5,138 |
| Memoranda: | ||
| Average total assets | $172,635,000 | 3,214 |
| Average earning assets | $163,554,200 | 3,157 |
| Average equity | $15,216,400 | 3,695 |
| Average total loans | $122,382,800 | 3,020 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 773 |
| Cost of funding earning assets | 0.6426% | 1,290 |
| Net interest margin | 4.2478% | 1,050 |
| Noninterest income to average assets | 0.4287% | 3,488 |
| Noninterest expense to average assets | 3.2812% | 1,393 |
| Loan and lease loss provision to assets | 0.3131% | 493 |
| Net operating income to assets | 0.8605% | 3,226 |
| Return on assets (ROA) | 0.8980% | 3,092 |
| Pretax return on assets | 0.8980% | 4,049 |
| Return on Equity (ROE) | 10.1461% | 2,063 |
| Retained earnings to average equity (ytd only) | 6.8022% | 1,796 |
| Net charge-offs to loans | 0.1891% | 1,112 |
| Credit loss provision to net charge-offs | 235.8824% | 1,180 |
| Earnings coverage of net charge-offs (x) | 8.8412% | 2,736 |
| Efficiency ratio | 73.6547% | 1,946 |
| Assets per employee ($millions) | 4.0041% | 3,987 |
| Cash dividends to net income (ytd only)* | 32.9564% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6811% | 5,180 |
| Loan loss allowance to noncurrent loans | 62.4309% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 1,917 |
| Noncurrent loans to loans | 1.0909% | 1,769 |
| Net loans and leases to total assets | 73.1642% | 2,070 |
| Net loans and leases to deposits | 89.1913% | 1,907 |
| Net loans and leases to core deposits | 94.5269% | 2,222 |
| Total domestic deposits to total assets | 82.0307% | 3,771 |
| Equity capital to assets | 8.7832% | 5,095 |
| Core capital (leverage) ratio | 9.5692% | 4,070 |
| Tier 1 risk-based capital ratio | 11.6383% | 4,858 |
| Total risk-based capital ratio | 12.2700% | 5,124 |
| Memoranda: | ||
| Average total assets | $170,744,250 | 3,262 |
| Average earning assets | $161,837,500 | 3,205 |
| Average equity | $15,112,250 | 3,742 |
| Average total loans | $119,839,250 | 3,088 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 859 |
| Cost of funding earning assets | 0.6340% | 1,235 |
| Net interest margin | 4.1660% | 1,156 |
| Noninterest income to average assets | 0.4738% | 3,188 |
| Noninterest expense to average assets | 3.2805% | 1,407 |
| Loan and lease loss provision to assets | 0.3115% | 479 |
| Net operating income to assets | 0.8341% | 3,226 |
| Return on assets (ROA) | 0.8759% | 3,097 |
| Pretax return on assets | 0.8759% | 4,011 |
| Return on Equity (ROE) | 9.8694% | 2,094 |
| Retained earnings to average equity (ytd only) | 6.4810% | 1,857 |
| Net charge-offs to loans | 0.2545% | 803 |
| Credit loss provision to net charge-offs | 177.5510% | 1,368 |
| Earnings coverage of net charge-offs (x) | 6.5306% | 2,698 |
| Efficiency ratio | 74.1170% | 1,989 |
| Assets per employee ($millions) | 3.7482% | 4,358 |
| Cash dividends to net income (ytd only)* | 34.3324% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6461% | 5,307 |
| Loan loss allowance to noncurrent loans | 52.7127% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9581% | 1,828 |
| Noncurrent loans to loans | 1.2257% | 1,590 |
| Net loans and leases to total assets | 70.1910% | 2,498 |
| Net loans and leases to deposits | 84.4884% | 2,405 |
| Net loans and leases to core deposits | 89.7084% | 2,551 |
| Total domestic deposits to total assets | 83.0778% | 3,540 |
| Equity capital to assets | 9.1011% | 4,805 |
| Core capital (leverage) ratio | 9.5220% | 4,115 |
| Tier 1 risk-based capital ratio | 12.2460% | 4,465 |
| Total risk-based capital ratio | 12.8348% | 4,791 |
| Memoranda: | ||
| Average total assets | $167,597,330 | 3,312 |
| Average earning assets | $159,003,000 | 3,257 |
| Average equity | $14,874,330 | 3,776 |
| Average total loans | $115,540,670 | 3,152 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 783 |
| Cost of funding earning assets | 0.6176% | 1,254 |
| Net interest margin | 4.1623% | 1,065 |
| Noninterest income to average assets | 0.5085% | 2,917 |
| Noninterest expense to average assets | 3.3053% | 1,379 |
| Loan and lease loss provision to assets | 0.2761% | 521 |
| Net operating income to assets | 0.8766% | 2,873 |
| Return on assets (ROA) | 0.9613% | 2,530 |
| Pretax return on assets | 0.9613% | 3,540 |
| Return on Equity (ROE) | 10.9778% | 1,577 |
| Retained earnings to average equity (ytd only) | 7.4937% | 1,654 |
| Net charge-offs to loans | 0.0605% | 1,724 |
| Credit loss provision to net charge-offs | 670.5882% | 473 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,260 |
| Efficiency ratio | 74.1445% | 2,208 |
| Assets per employee ($millions) | 4.0062% | 3,998 |
| Cash dividends to net income (ytd only)* | 31.7380% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6723% | 5,360 |
| Loan loss allowance to noncurrent loans | 24.6479% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 1.9139% | 709 |
| Noncurrent loans to loans | 2.7275% | 545 |
| Net loans and leases to total assets | 66.0401% | 2,963 |
| Net loans and leases to deposits | 78.9313% | 2,871 |
| Net loans and leases to core deposits | 83.8327% | 2,916 |
| Total domestic deposits to total assets | 83.6679% | 3,595 |
| Equity capital to assets | 8.5245% | 5,221 |
| Core capital (leverage) ratio | 9.4168% | 4,214 |
| Tier 1 risk-based capital ratio | 12.1044% | 4,650 |
| Total risk-based capital ratio | 12.6997% | 4,955 |
| Memoranda: | ||
| Average total assets | $165,187,000 | 3,366 |
| Average earning assets | $156,738,500 | 3,315 |
| Average equity | $14,465,500 | 3,854 |
| Average total loans | $112,406,500 | 3,210 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 686 |
| Cost of funding earning assets | 0.5409% | 1,782 |
| Net interest margin | 4.3884% | 795 |
| Noninterest income to average assets | 0.5045% | 3,209 |
| Noninterest expense to average assets | 3.4818% | 1,204 |
| Loan and lease loss provision to assets | 0.2699% | 747 |
| Net operating income to assets | 0.9076% | 2,780 |
| Return on assets (ROA) | 0.9441% | 2,719 |
| Pretax return on assets | 0.9441% | 3,672 |
| Return on Equity (ROE) | 9.4334% | 2,219 |
| Retained earnings to average equity (ytd only) | 3.6755% | 3,296 |
| Net charge-offs to loans | 0.2801% | 981 |
| Credit loss provision to net charge-offs | 149.2366% | 1,836 |
| Earnings coverage of net charge-offs (x) | 6.5115% | 3,163 |
| Efficiency ratio | 74.7297% | 2,176 |
| Assets per employee ($millions) | 3.6769% | 4,512 |
| Cash dividends to net income (ytd only)* | 61.0380% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6103% | 5,508 |
| Loan loss allowance to noncurrent loans | 48.6272% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9867% | 1,923 |
| Noncurrent loans to loans | 1.2550% | 1,635 |
| Net loans and leases to total assets | 69.3231% | 2,577 |
| Net loans and leases to deposits | 83.9331% | 2,424 |
| Net loans and leases to core deposits | 89.7085% | 2,532 |
| Total domestic deposits to total assets | 82.5933% | 3,899 |
| Equity capital to assets | 9.0104% | 4,813 |
| Core capital (leverage) ratio | 9.9757% | 3,510 |
| Tier 1 risk-based capital ratio | 12.3237% | 4,493 |
| Total risk-based capital ratio | 12.8627% | 4,892 |
| Memoranda: | ||
| Average total assets | $144,895,000 | 3,592 |
| Average earning assets | $137,179,400 | 3,530 |
| Average equity | $14,501,600 | 3,873 |
| Average total loans | $93,532,400 | 3,508 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 714 |
| Cost of funding earning assets | 0.5105% | 2,011 |
| Net interest margin | 4.3965% | 786 |
| Noninterest income to average assets | 0.5198% | 3,117 |
| Noninterest expense to average assets | 3.6366% | 938 |
| Loan and lease loss provision to assets | 0.2740% | 642 |
| Net operating income to assets | 0.7693% | 3,520 |
| Return on assets (ROA) | 0.8192% | 3,419 |
| Pretax return on assets | 0.8192% | 4,251 |
| Return on Equity (ROE) | 7.9638% | 3,025 |
| Retained earnings to average equity (ytd only) | 4.3023% | 3,260 |
| Net charge-offs to loans | 0.1582% | 1,430 |
| Credit loss provision to net charge-offs | 274.5283% | 1,118 |
| Earnings coverage of net charge-offs (x) | 10.4528% | 2,573 |
| Efficiency ratio | 77.7062% | 1,730 |
| Assets per employee ($millions) | 3.6239% | 4,604 |
| Cash dividends to net income (ytd only)* | 45.9771% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7079% | 5,416 |
| Loan loss allowance to noncurrent loans | 56.5555% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 0.9362% | 2,223 |
| Noncurrent loans to loans | 1.2517% | 1,788 |
| Net loans and leases to total assets | 67.1798% | 2,926 |
| Net loans and leases to deposits | 82.9528% | 2,609 |
| Net loans and leases to core deposits | 91.8565% | 2,394 |
| Total domestic deposits to total assets | 80.9855% | 4,251 |
| Equity capital to assets | 9.7783% | 4,387 |
| Core capital (leverage) ratio | 10.2665% | 3,262 |
| Tier 1 risk-based capital ratio | 12.9455% | 4,195 |
| Total risk-based capital ratio | 13.5614% | 4,494 |
| Memoranda: | ||
| Average total assets | $141,592,250 | 3,662 |
| Average earning assets | $133,983,500 | 3,607 |
| Average equity | $14,565,500 | 3,904 |
| Average total loans | $89,346,250 | 3,610 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 793 |
| Cost of funding earning assets | 0.4836% | 2,242 |
| Net interest margin | 4.3694% | 816 |
| Noninterest income to average assets | 0.5056% | 3,157 |
| Noninterest expense to average assets | 3.6971% | 887 |
| Loan and lease loss provision to assets | 0.2550% | 751 |
| Net operating income to assets | 0.6896% | 3,847 |
| Return on assets (ROA) | 0.7490% | 3,704 |
| Pretax return on assets | 0.7490% | 4,457 |
| Return on Equity (ROE) | 7.1509% | 3,460 |
| Retained earnings to average equity (ytd only) | 3.4579% | 3,692 |
| Net charge-offs to loans | 0.1203% | 1,628 |
| Credit loss provision to net charge-offs | 345.0980% | 860 |
| Earnings coverage of net charge-offs (x) | 12.7843% | 2,165 |
| Efficiency ratio | 79.6504% | 1,538 |
| Assets per employee ($millions) | 3.4746% | 4,792 |
| Cash dividends to net income (ytd only)* | 51.6441% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6827% | 5,551 |
| Loan loss allowance to noncurrent loans | 62.4650% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 0.9434% | 2,266 |
| Noncurrent loans to loans | 1.0929% | 2,101 |
| Net loans and leases to total assets | 68.3224% | 2,736 |
| Net loans and leases to deposits | 81.8911% | 2,722 |
| Net loans and leases to core deposits | 91.1979% | 2,418 |
| Total domestic deposits to total assets | 83.4308% | 3,493 |
| Equity capital to assets | 10.4586% | 3,682 |
| Core capital (leverage) ratio | 10.5994% | 2,851 |
| Tier 1 risk-based capital ratio | 13.4553% | 3,936 |
| Total risk-based capital ratio | 14.0514% | 4,227 |
| Memoranda: | ||
| Average total assets | $138,054,670 | 3,750 |
| Average earning assets | $130,680,330 | 3,679 |
| Average equity | $14,459,670 | 3,940 |
| Average total loans | $84,801,670 | 3,726 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 882 |
| Cost of funding earning assets | 0.4823% | 2,252 |
| Net interest margin | 4.3037% | 926 |
| Noninterest income to average assets | 0.5565% | 2,768 |
| Noninterest expense to average assets | 3.8365% | 736 |
| Loan and lease loss provision to assets | 0.2238% | 844 |
| Net operating income to assets | 0.5683% | 4,329 |
| Return on assets (ROA) | 0.6154% | 4,226 |
| Pretax return on assets | 0.6154% | 4,771 |
| Return on Equity (ROE) | 5.8708% | 4,053 |
| Retained earnings to average equity (ytd only) | 2.1067% | 4,412 |
| Net charge-offs to loans | 0.2251% | 907 |
| Credit loss provision to net charge-offs | 172.7273% | 1,185 |
| Earnings coverage of net charge-offs (x) | 6.1136% | 2,265 |
| Efficiency ratio | 82.8880% | 1,270 |
| Assets per employee ($millions) | 3.4350% | 4,907 |
| Cash dividends to net income (ytd only)* | 64.1148% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 5,623 |
| Loan loss allowance to noncurrent loans | 29.4328% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 1.5131% | 1,344 |
| Noncurrent loans to loans | 2.3189% | 859 |
| Net loans and leases to total assets | 61.0031% | 3,650 |
| Net loans and leases to deposits | 69.1508% | 3,940 |
| Net loans and leases to core deposits | 74.7765% | 3,814 |
| Total domestic deposits to total assets | 88.2174% | 1,520 |
| Equity capital to assets | 10.4470% | 3,560 |
| Core capital (leverage) ratio | 11.0482% | 2,359 |
| Tier 1 risk-based capital ratio | 15.1205% | 3,098 |
| Total risk-based capital ratio | 15.7039% | 3,354 |
| Memoranda: | ||
| Average total assets | $135,853,500 | 3,805 |
| Average earning assets | $128,540,500 | 3,739 |
| Average equity | $14,240,000 | 3,976 |
| Average total loans | $78,203,000 | 3,910 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 1,936 |
| Cost of funding earning assets | 0.4887% | 2,274 |
| Net interest margin | 3.9012% | 2,026 |
| Noninterest income to average assets | 0.4971% | 3,350 |
| Noninterest expense to average assets | 3.2127% | 1,941 |
| Loan and lease loss provision to assets | 0.2541% | 744 |
| Net operating income to assets | 0.7166% | 3,732 |
| Return on assets (ROA) | 0.8168% | 3,345 |
| Pretax return on assets | 0.8168% | 4,137 |
| Return on Equity (ROE) | 7.4876% | 3,254 |
| Retained earnings to average equity (ytd only) | 1.8500% | 4,670 |
| Net charge-offs to loans | 0.4681% | 582 |
| Credit loss provision to net charge-offs | 116.1616% | 2,205 |
| Earnings coverage of net charge-offs (x) | 4.4377% | 3,560 |
| Efficiency ratio | 76.7958% | 2,151 |
| Assets per employee ($millions) | 3.3577% | 5,053 |
| Cash dividends to net income (ytd only)* | 75.2931% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7554% | 5,517 |
| Loan loss allowance to noncurrent loans | 62.3139% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 2,833 |
| Noncurrent loans to loans | 1.2123% | 1,943 |
| Net loans and leases to total assets | 53.2124% | 4,571 |
| Net loans and leases to deposits | 60.3669% | 4,746 |
| Net loans and leases to core deposits | 65.2363% | 4,649 |
| Total domestic deposits to total assets | 88.1482% | 1,557 |
| Equity capital to assets | 10.5175% | 3,340 |
| Core capital (leverage) ratio | 11.2084% | 2,209 |
| Tier 1 risk-based capital ratio | 16.8817% | 2,329 |
| Total risk-based capital ratio | 17.5000% | 2,545 |
| Memoranda: | ||
| Average total assets | $135,775,600 | 3,793 |
| Average earning assets | $128,294,600 | 3,737 |
| Average equity | $14,811,200 | 3,864 |
| Average total loans | $63,441,800 | 4,278 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 2,129 |
| Cost of funding earning assets | 0.4901% | 2,316 |
| Net interest margin | 3.8429% | 2,223 |
| Noninterest income to average assets | 0.5024% | 3,347 |
| Noninterest expense to average assets | 2.9997% | 2,528 |
| Loan and lease loss provision to assets | 0.2164% | 884 |
| Net operating income to assets | 0.9186% | 2,873 |
| Return on assets (ROA) | 0.9637% | 2,740 |
| Pretax return on assets | 0.9637% | 3,766 |
| Return on Equity (ROE) | 8.7567% | 2,698 |
| Retained earnings to average equity (ytd only) | 5.1792% | 2,790 |
| Net charge-offs to loans | 0.3197% | 832 |
| Credit loss provision to net charge-offs | 150.3401% | 1,672 |
| Earnings coverage of net charge-offs (x) | 7.8841% | 2,867 |
| Efficiency ratio | 72.5486% | 2,783 |
| Assets per employee ($millions) | 3.3521% | 5,055 |
| Cash dividends to net income (ytd only)* | 40.8538% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 5,283 |
| Loan loss allowance to noncurrent loans | 70.9838% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 3,155 |
| Noncurrent loans to loans | 1.2349% | 2,069 |
| Net loans and leases to total assets | 48.0721% | 5,072 |
| Net loans and leases to deposits | 54.9862% | 5,186 |
| Net loans and leases to core deposits | 59.7123% | 5,086 |
| Total domestic deposits to total assets | 87.4258% | 1,833 |
| Equity capital to assets | 11.4533% | 2,538 |
| Core capital (leverage) ratio | 11.3036% | 2,193 |
| Tier 1 risk-based capital ratio | 18.0270% | 2,022 |
| Total risk-based capital ratio | 18.7047% | 2,159 |
| Memoranda: | ||
| Average total assets | $136,142,250 | 3,824 |
| Average earning assets | $128,683,500 | 3,761 |
| Average equity | $14,982,500 | 3,877 |
| Average total loans | $61,299,000 | 4,388 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1869% | 2,593 |
| Cost of funding earning assets | 0.4886% | 2,366 |
| Net interest margin | 3.6983% | 2,718 |
| Noninterest income to average assets | 0.5101% | 3,303 |
| Noninterest expense to average assets | 2.9745% | 2,632 |
| Loan and lease loss provision to assets | 0.2456% | 722 |
| Net operating income to assets | 0.7864% | 3,453 |
| Return on assets (ROA) | 0.8536% | 3,217 |
| Pretax return on assets | 0.8536% | 4,118 |
| Return on Equity (ROE) | 7.8613% | 3,137 |
| Retained earnings to average equity (ytd only) | 4.2672% | 3,307 |
| Net charge-offs to loans | 0.2797% | 944 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 8.4048% | 2,566 |
| Efficiency ratio | 74.2430% | 2,649 |
| Assets per employee ($millions) | 3.3972% | 4,987 |
| Cash dividends to net income (ytd only)* | 45.7192% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 5,280 |
| Loan loss allowance to noncurrent loans | 81.8054% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6844% | 3,347 |
| Noncurrent loans to loans | 1.1065% | 2,443 |
| Net loans and leases to total assets | 46.7267% | 5,197 |
| Net loans and leases to deposits | 52.9363% | 5,319 |
| Net loans and leases to core deposits | 57.0444% | 5,250 |
| Total domestic deposits to total assets | 88.2696% | 1,507 |
| Equity capital to assets | 10.7406% | 3,178 |
| Core capital (leverage) ratio | 10.7795% | 2,640 |
| Tier 1 risk-based capital ratio | 17.9182% | 2,086 |
| Total risk-based capital ratio | 18.6159% | 2,222 |
| Memoranda: | ||
| Average total assets | $136,828,330 | 3,837 |
| Average earning assets | $129,356,670 | 3,767 |
| Average equity | $14,857,670 | 3,915 |
| Average total loans | $60,056,330 | 4,460 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 2,916 |
| Cost of funding earning assets | 0.4814% | 2,438 |
| Net interest margin | 3.5982% | 3,012 |
| Noninterest income to average assets | 0.5361% | 3,047 |
| Noninterest expense to average assets | 2.9978% | 2,592 |
| Loan and lease loss provision to assets | 0.0787% | 2,380 |
| Net operating income to assets | 0.8565% | 2,979 |
| Return on assets (ROA) | 0.9905% | 2,437 |
| Pretax return on assets | 0.9905% | 3,544 |
| Return on Equity (ROE) | 9.0733% | 2,412 |
| Retained earnings to average equity (ytd only) | 5.4974% | 2,781 |
| Net charge-offs to loans | 0.0207% | 2,735 |
| Credit loss provision to net charge-offs | 900.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 469 |
| Efficiency ratio | 76.2222% | 2,481 |
| Assets per employee ($millions) | 3.7325% | 4,457 |
| Cash dividends to net income (ytd only)* | 39.4118% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 5,493 |
| Loan loss allowance to noncurrent loans | 35.5677% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 2,193 |
| Noncurrent loans to loans | 2.4807% | 981 |
| Net loans and leases to total assets | 42.2980% | 5,464 |
| Net loans and leases to deposits | 48.0442% | 5,563 |
| Net loans and leases to core deposits | 51.6162% | 5,512 |
| Total domestic deposits to total assets | 88.0399% | 1,799 |
| Equity capital to assets | 11.0535% | 2,914 |
| Core capital (leverage) ratio | 10.7193% | 2,727 |
| Tier 1 risk-based capital ratio | 19.3496% | 1,780 |
| Total risk-based capital ratio | 20.0301% | 1,882 |
| Memoranda: | ||
| Average total assets | $137,299,500 | 3,855 |
| Average earning assets | $129,621,000 | 3,794 |
| Average equity | $14,989,000 | 3,913 |
| Average total loans | $58,047,000 | 4,541 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 2,066 |
| Cost of funding earning assets | 0.5030% | 2,649 |
| Net interest margin | 3.9481% | 2,057 |
| Noninterest income to average assets | 0.5470% | 3,188 |
| Noninterest expense to average assets | 3.0516% | 2,681 |
| Loan and lease loss provision to assets | 0.0313% | 3,973 |
| Net operating income to assets | 1.1782% | 1,649 |
| Return on assets (ROA) | 1.1946% | 1,670 |
| Pretax return on assets | 1.1946% | 2,676 |
| Return on Equity (ROE) | 11.0997% | 1,695 |
| Retained earnings to average equity (ytd only) | 5.3248% | 2,391 |
| Net charge-offs to loans | 0.2967% | 1,486 |
| Credit loss provision to net charge-offs | 24.2775% | 3,920 |
| Earnings coverage of net charge-offs (x) | 9.3815% | 2,755 |
| Efficiency ratio | 71.6159% | 3,275 |
| Assets per employee ($millions) | 3.5921% | 4,731 |
| Cash dividends to net income (ytd only)* | 52.0274% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 5,575 |
| Loan loss allowance to noncurrent loans | 68.3196% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 3,492 |
| Noncurrent loans to loans | 1.2701% | 2,329 |
| Net loans and leases to total assets | 41.5127% | 5,656 |
| Net loans and leases to deposits | 47.0428% | 5,741 |
| Net loans and leases to core deposits | 50.5572% | 5,691 |
| Total domestic deposits to total assets | 88.2445% | 1,638 |
| Equity capital to assets | 10.7789% | 3,146 |
| Core capital (leverage) ratio | 10.6721% | 2,749 |
| Tier 1 risk-based capital ratio | 20.4721% | 1,514 |
| Total risk-based capital ratio | 21.1686% | 1,583 |
| Memoranda: | ||
| Average total assets | $134,191,200 | 3,902 |
| Average earning assets | $126,237,600 | 3,839 |
| Average equity | $14,441,800 | 3,951 |
| Average total loans | $58,301,200 | 4,538 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 1,940 |
| Cost of funding earning assets | 0.5054% | 2,701 |
| Net interest margin | 3.9766% | 1,943 |
| Noninterest income to average assets | 0.5648% | 3,101 |
| Noninterest expense to average assets | 3.0196% | 2,734 |
| Loan and lease loss provision to assets | 0.0958% | 2,451 |
| Net operating income to assets | 1.1945% | 1,695 |
| Return on assets (ROA) | 1.2164% | 1,690 |
| Pretax return on assets | 1.2164% | 2,712 |
| Return on Equity (ROE) | 11.3072% | 1,682 |
| Retained earnings to average equity (ytd only) | 7.3650% | 1,642 |
| Net charge-offs to loans | 0.3072% | 1,292 |
| Credit loss provision to net charge-offs | 71.1111% | 2,754 |
| Earnings coverage of net charge-offs (x) | 9.5776% | 2,653 |
| Efficiency ratio | 70.0625% | 3,496 |
| Assets per employee ($millions) | 3.4057% | 5,036 |
| Cash dividends to net income (ytd only)* | 34.8645% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 5,424 |
| Loan loss allowance to noncurrent loans | 78.4000% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 3,584 |
| Noncurrent loans to loans | 1.2138% | 2,616 |
| Net loans and leases to total assets | 46.0771% | 5,368 |
| Net loans and leases to deposits | 52.8565% | 5,473 |
| Net loans and leases to core deposits | 56.9741% | 5,393 |
| Total domestic deposits to total assets | 87.1739% | 2,218 |
| Equity capital to assets | 11.4159% | 2,560 |
| Core capital (leverage) ratio | 11.1219% | 2,376 |
| Tier 1 risk-based capital ratio | 19.5011% | 1,780 |
| Total risk-based capital ratio | 20.2863% | 1,863 |
| Memoranda: | ||
| Average total assets | $133,614,500 | 3,945 |
| Average earning assets | $125,832,750 | 3,882 |
| Average equity | $14,374,000 | 3,988 |
| Average total loans | $58,586,500 | 4,571 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 2,091 |
| Cost of funding earning assets | 0.5074% | 2,754 |
| Net interest margin | 3.9162% | 2,093 |
| Noninterest income to average assets | 0.5707% | 2,988 |
| Noninterest expense to average assets | 3.0401% | 2,689 |
| Loan and lease loss provision to assets | 0.0911% | 2,504 |
| Net operating income to assets | 1.1294% | 1,822 |
| Return on assets (ROA) | 1.1622% | 1,785 |
| Pretax return on assets | 1.1622% | 2,827 |
| Return on Equity (ROE) | 11.0269% | 1,734 |
| Retained earnings to average equity (ytd only) | 7.0016% | 1,776 |
| Net charge-offs to loans | 0.4485% | 908 |
| Credit loss provision to net charge-offs | 47.2868% | 2,832 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,785 |
| Efficiency ratio | 71.3534% | 3,452 |
| Assets per employee ($millions) | 3.4287% | 4,998 |
| Cash dividends to net income (ytd only)* | 36.5039% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 5,647 |
| Loan loss allowance to noncurrent loans | 92.2442% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5175% | 4,449 |
| Noncurrent loans to loans | 1.0028% | 3,229 |
| Net loans and leases to total assets | 44.7734% | 5,476 |
| Net loans and leases to deposits | 51.1464% | 5,549 |
| Net loans and leases to core deposits | 55.0730% | 5,478 |
| Total domestic deposits to total assets | 87.5396% | 2,177 |
| Equity capital to assets | 11.1060% | 2,779 |
| Core capital (leverage) ratio | 10.7120% | 2,708 |
| Tier 1 risk-based capital ratio | 19.3924% | 1,826 |
| Total risk-based capital ratio | 20.1502% | 1,910 |
| Memoranda: | ||
| Average total assets | $133,878,330 | 3,958 |
| Average earning assets | $126,143,330 | 3,886 |
| Average equity | $14,111,000 | 4,031 |
| Average total loans | $57,519,000 | 4,638 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 2,052 |
| Cost of funding earning assets | 0.5098% | 2,804 |
| Net interest margin | 3.9134% | 2,045 |
| Noninterest income to average assets | 0.5435% | 3,093 |
| Noninterest expense to average assets | 3.1084% | 2,503 |
| Loan and lease loss provision to assets | 0.0985% | 2,278 |
| Net operating income to assets | 1.0272% | 2,094 |
| Return on assets (ROA) | 1.0929% | 1,907 |
| Pretax return on assets | 1.0929% | 2,940 |
| Return on Equity (ROE) | 10.6542% | 1,798 |
| Retained earnings to average equity (ytd only) | 6.5206% | 2,273 |
| Net charge-offs to loans | 0.0071% | 3,507 |
| Credit loss provision to net charge-offs | 3,300.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 377.0000% | 125 |
| Efficiency ratio | 73.4133% | 3,244 |
| Assets per employee ($millions) | 3.4311% | 5,076 |
| Cash dividends to net income (ytd only)* | 38.7978% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 4,521 |
| Loan loss allowance to noncurrent loans | 43.7583% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 1.1897% | 2,880 |
| Noncurrent loans to loans | 2.7993% | 1,190 |
| Net loans and leases to total assets | 39.7129% | 5,827 |
| Net loans and leases to deposits | 44.8436% | 5,927 |
| Net loans and leases to core deposits | 48.2390% | 5,859 |
| Total domestic deposits to total assets | 88.5587% | 1,910 |
| Equity capital to assets | 10.5169% | 3,230 |
| Core capital (leverage) ratio | 10.5840% | 2,829 |
| Tier 1 risk-based capital ratio | 20.7862% | 1,514 |
| Total risk-based capital ratio | 21.7622% | 1,553 |
| Memoranda: | ||
| Average total assets | $133,957,500 | 3,992 |
| Average earning assets | $126,335,000 | 3,920 |
| Average equity | $13,741,000 | 4,091 |
| Average total loans | $56,063,500 | 4,724 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3136% | 513 |
| Cost of funding earning assets | 0.5636% | 2,987 |
| Net interest margin | 4.7500% | 475 |
| Noninterest income to average assets | 0.5440% | 3,442 |
| Noninterest expense to average assets | 3.1572% | 2,560 |
| Loan and lease loss provision to assets | 0.2327% | 1,549 |
| Net operating income to assets | 1.6254% | 655 |
| Return on assets (ROA) | 1.6269% | 674 |
| Pretax return on assets | 1.6269% | 1,103 |
| Return on Equity (ROE) | 16.0823% | 612 |
| Retained earnings to average equity (ytd only) | 5.4076% | 2,345 |
| Net charge-offs to loans | 0.3848% | 1,755 |
| Credit loss provision to net charge-offs | 124.8996% | 1,909 |
| Earnings coverage of net charge-offs (x) | 9.9719% | 2,444 |
| Efficiency ratio | 62.9514% | 5,069 |
| Assets per employee ($millions) | 3.3526% | 5,191 |
| Cash dividends to net income (ytd only)* | 66.3753% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 5,259 |
| Loan loss allowance to noncurrent loans | 72.5694% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 4,125 |
| Noncurrent loans to loans | 1.4813% | 2,668 |
| Net loans and leases to total assets | 43.0269% | 5,754 |
| Net loans and leases to deposits | 50.1853% | 5,757 |
| Net loans and leases to core deposits | 54.0090% | 5,672 |
| Total domestic deposits to total assets | 85.7362% | 3,397 |
| Equity capital to assets | 9.9991% | 3,774 |
| Core capital (leverage) ratio | 10.2498% | 3,216 |
| Tier 1 risk-based capital ratio | 19.2420% | 1,850 |
| Total risk-based capital ratio | 20.1157% | 1,922 |
| Memoranda: | ||
| Average total assets | $133,630,000 | 4,004 |
| Average earning assets | $125,790,600 | 3,929 |
| Average equity | $13,518,000 | 4,164 |
| Average total loans | $64,708,200 | 4,454 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4068% | 438 |
| Cost of funding earning assets | 0.5696% | 3,082 |
| Net interest margin | 4.8371% | 404 |
| Noninterest income to average assets | 0.5503% | 3,453 |
| Noninterest expense to average assets | 3.0279% | 2,891 |
| Loan and lease loss provision to assets | 0.3535% | 903 |
| Net operating income to assets | 1.7226% | 607 |
| Return on assets (ROA) | 1.7226% | 634 |
| Pretax return on assets | 1.7226% | 1,052 |
| Return on Equity (ROE) | 16.9797% | 540 |
| Retained earnings to average equity (ytd only) | 12.7865% | 352 |
| Net charge-offs to loans | 0.2353% | 2,394 |
| Credit loss provision to net charge-offs | 302.5641% | 841 |
| Earnings coverage of net charge-offs (x) | 17.7688% | 1,716 |
| Efficiency ratio | 59.3230% | 5,519 |
| Assets per employee ($millions) | 3.4112% | 5,039 |
| Cash dividends to net income (ytd only)* | 24.6959% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 5,214 |
| Loan loss allowance to noncurrent loans | 63.0999% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 0.9779% | 3,702 |
| Noncurrent loans to loans | 1.7880% | 2,513 |
| Net loans and leases to total assets | 52.8305% | 4,772 |
| Net loans and leases to deposits | 60.0499% | 4,965 |
| Net loans and leases to core deposits | 64.5331% | 4,843 |
| Total domestic deposits to total assets | 87.9776% | 2,144 |
| Equity capital to assets | 10.1552% | 3,692 |
| Core capital (leverage) ratio | 11.0520% | 2,431 |
| Tier 1 risk-based capital ratio | 17.6367% | 2,467 |
| Total risk-based capital ratio | 18.6205% | 2,524 |
| Memoranda: | ||
| Average total assets | $133,512,000 | 4,048 |
| Average earning assets | $125,691,000 | 3,969 |
| Average equity | $13,545,250 | 4,201 |
| Average total loans | $66,303,500 | 4,440 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 591 |
| Cost of funding earning assets | 0.5754% | 3,166 |
| Net interest margin | 4.6636% | 541 |
| Noninterest income to average assets | 0.5656% | 3,410 |
| Noninterest expense to average assets | 3.0493% | 2,839 |
| Loan and lease loss provision to assets | 0.4668% | 609 |
| Net operating income to assets | 1.4394% | 1,003 |
| Return on assets (ROA) | 1.4394% | 1,084 |
| Pretax return on assets | 1.4394% | 1,800 |
| Return on Equity (ROE) | 14.1919% | 965 |
| Retained earnings to average equity (ytd only) | 10.0022% | 840 |
| Net charge-offs to loans | 0.2380% | 2,296 |
| Credit loss provision to net charge-offs | 405.1948% | 647 |
| Earnings coverage of net charge-offs (x) | 16.5455% | 1,658 |
| Efficiency ratio | 61.5338% | 5,239 |
| Assets per employee ($millions) | 3.2856% | 5,299 |
| Cash dividends to net income (ytd only)* | 29.5218% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 5,651 |
| Loan loss allowance to noncurrent loans | 61.5385% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9892% | 3,787 |
| Noncurrent loans to loans | 1.6992% | 2,765 |
| Net loans and leases to total assets | 57.6056% | 4,046 |
| Net loans and leases to deposits | 65.2236% | 4,357 |
| Net loans and leases to core deposits | 69.9243% | 4,285 |
| Total domestic deposits to total assets | 88.3202% | 2,030 |
| Equity capital to assets | 9.7631% | 4,224 |
| Core capital (leverage) ratio | 10.2954% | 3,104 |
| Tier 1 risk-based capital ratio | 15.9448% | 3,227 |
| Total risk-based capital ratio | 16.8720% | 3,364 |
| Memoranda: | ||
| Average total assets | $133,671,000 | 4,064 |
| Average earning assets | $125,825,670 | 3,993 |
| Average equity | $13,557,000 | 4,230 |
| Average total loans | $64,709,670 | 4,512 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 879 |
| Cost of funding earning assets | 0.5723% | 3,358 |
| Net interest margin | 4.4336% | 757 |
| Noninterest income to average assets | 0.5787% | 3,256 |
| Noninterest expense to average assets | 3.0239% | 2,907 |
| Loan and lease loss provision to assets | 0.3175% | 1,067 |
| Net operating income to assets | 1.4214% | 994 |
| Return on assets (ROA) | 1.4214% | 1,078 |
| Pretax return on assets | 1.4214% | 1,795 |
| Return on Equity (ROE) | 13.7644% | 1,008 |
| Retained earnings to average equity (ytd only) | 9.6839% | 1,192 |
| Net charge-offs to loans | 0.1292% | 2,634 |
| Credit loss provision to net charge-offs | 563.1579% | 477 |
| Earnings coverage of net charge-offs (x) | 30.8421% | 952 |
| Efficiency ratio | 63.4891% | 5,084 |
| Assets per employee ($millions) | 3.2683% | 5,506 |
| Cash dividends to net income (ytd only)* | 29.6451% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 5,814 |
| Loan loss allowance to noncurrent loans | 37.7894% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 1.2896% | 3,393 |
| Noncurrent loans to loans | 2.7625% | 1,839 |
| Net loans and leases to total assets | 46.1944% | 5,418 |
| Net loans and leases to deposits | 52.8486% | 5,538 |
| Net loans and leases to core deposits | 56.6331% | 5,461 |
| Total domestic deposits to total assets | 87.4089% | 2,687 |
| Equity capital to assets | 10.4374% | 3,620 |
| Core capital (leverage) ratio | 9.9931% | 3,393 |
| Tier 1 risk-based capital ratio | 18.3577% | 2,241 |
| Total risk-based capital ratio | 19.2512% | 2,329 |
| Memoranda: | ||
| Average total assets | $134,795,000 | 4,088 |
| Average earning assets | $127,210,000 | 3,997 |
| Average equity | $13,920,000 | 4,213 |
| Average total loans | $58,811,000 | 4,743 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2488% | 1,020 |
| Cost of funding earning assets | 0.6969% | 3,515 |
| Net interest margin | 4.5519% | 858 |
| Noninterest income to average assets | 0.5620% | 3,501 |
| Noninterest expense to average assets | 3.1876% | 2,656 |
| Loan and lease loss provision to assets | 0.0485% | 5,212 |
| Net operating income to assets | 1.5957% | 762 |
| Return on assets (ROA) | 1.6010% | 841 |
| Pretax return on assets | 1.6010% | 1,385 |
| Return on Equity (ROE) | 15.1317% | 794 |
| Retained earnings to average equity (ytd only) | 5.6126% | 2,304 |
| Net charge-offs to loans | 0.2408% | 3,499 |
| Credit loss provision to net charge-offs | 45.3901% | 4,803 |
| Earnings coverage of net charge-offs (x) | 15.3759% | 1,658 |
| Efficiency ratio | 65.9708% | 4,513 |
| Assets per employee ($millions) | 3.3071% | 5,407 |
| Cash dividends to net income (ytd only)* | 62.9086% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 5,875 |
| Loan loss allowance to noncurrent loans | 60.9493% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 0.6837% | 4,775 |
| Noncurrent loans to loans | 1.6833% | 3,100 |
| Net loans and leases to total assets | 40.1974% | 6,155 |
| Net loans and leases to deposits | 47.0073% | 6,174 |
| Net loans and leases to core deposits | 50.6769% | 6,110 |
| Total domestic deposits to total assets | 85.5131% | 3,602 |
| Equity capital to assets | 10.2175% | 3,869 |
| Core capital (leverage) ratio | 9.4609% | 4,168 |
| Tier 1 risk-based capital ratio | 19.3002% | 1,867 |
| Total risk-based capital ratio | 20.1340% | 1,957 |
| Memoranda: | ||
| Average total assets | $131,855,600 | 4,108 |
| Average earning assets | $123,685,800 | 4,029 |
| Average equity | $13,950,800 | 4,166 |
| Average total loans | $58,566,800 | 4,771 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4141% | 807 |
| Cost of funding earning assets | 0.7241% | 3,562 |
| Net interest margin | 4.6900% | 683 |
| Noninterest income to average assets | 0.5448% | 3,643 |
| Noninterest expense to average assets | 3.0104% | 3,198 |
| Loan and lease loss provision to assets | 0.0866% | 4,523 |
| Net operating income to assets | 1.8474% | 522 |
| Return on assets (ROA) | 1.8474% | 590 |
| Pretax return on assets | 1.8474% | 960 |
| Return on Equity (ROE) | 17.3067% | 573 |
| Retained earnings to average equity (ytd only) | 13.9579% | 305 |
| Net charge-offs to loans | 0.0224% | 5,350 |
| Credit loss provision to net charge-offs | 850.0000% | 330 |
| Earnings coverage of net charge-offs (x) | 189.9430% | 237 |
| Efficiency ratio | 60.8857% | 5,334 |
| Assets per employee ($millions) | 3.3645% | 5,295 |
| Cash dividends to net income (ytd only)* | 19.3495% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 4,822 |
| Loan loss allowance to noncurrent loans | 85.7656% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.6350% | 5,086 |
| Noncurrent loans to loans | 1.5142% | 3,514 |
| Net loans and leases to total assets | 39.5044% | 6,320 |
| Net loans and leases to deposits | 45.1902% | 6,443 |
| Net loans and leases to core deposits | 48.7664% | 6,363 |
| Total domestic deposits to total assets | 87.4181% | 2,411 |
| Equity capital to assets | 10.8718% | 3,416 |
| Core capital (leverage) ratio | 10.4891% | 2,926 |
| Tier 1 risk-based capital ratio | 20.9489% | 1,536 |
| Total risk-based capital ratio | 22.0405% | 1,541 |
| Memoranda: | ||
| Average total assets | $130,921,750 | 4,162 |
| Average earning assets | $122,811,250 | 4,083 |
| Average equity | $13,975,000 | 4,197 |
| Average total loans | $59,441,250 | 4,783 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4638% | 776 |
| Cost of funding earning assets | 0.7675% | 3,460 |
| Net interest margin | 4.6963% | 677 |
| Noninterest income to average assets | 0.5646% | 3,492 |
| Noninterest expense to average assets | 3.0689% | 3,021 |
| Loan and lease loss provision to assets | 0.2364% | 2,707 |
| Net operating income to assets | 1.6565% | 738 |
| Return on assets (ROA) | 1.6565% | 824 |
| Pretax return on assets | 1.6565% | 1,376 |
| Return on Equity (ROE) | 15.6223% | 833 |
| Retained earnings to average equity (ytd only) | 12.1898% | 552 |
| Net charge-offs to loans | -0.0230% | 6,459 |
| Credit loss provision to net charge-offs | -2,171.4286% | 6,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8495% | 5,275 |
| Assets per employee ($millions) | 3.0395% | 5,981 |
| Cash dividends to net income (ytd only)* | 21.9718% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,579 |
| Loan loss allowance to noncurrent loans | 104.5692% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 5,272 |
| Noncurrent loans to loans | 1.0986% | 4,325 |
| Net loans and leases to total assets | 53.9916% | 4,806 |
| Net loans and leases to deposits | 61.9753% | 4,994 |
| Net loans and leases to core deposits | 67.0774% | 4,888 |
| Total domestic deposits to total assets | 87.1178% | 2,706 |
| Equity capital to assets | 11.1149% | 3,000 |
| Core capital (leverage) ratio | 10.3470% | 2,990 |
| Tier 1 risk-based capital ratio | 16.8565% | 2,739 |
| Total risk-based capital ratio | 17.8852% | 2,794 |
| Memoranda: | ||
| Average total assets | $128,581,000 | 4,237 |
| Average earning assets | $120,391,670 | 4,160 |
| Average equity | $13,634,330 | 4,269 |
| Average total loans | $60,851,330 | 4,750 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3085% | 1,077 |
| Cost of funding earning assets | 0.7966% | 3,500 |
| Net interest margin | 4.5119% | 987 |
| Noninterest income to average assets | 0.5363% | 3,655 |
| Noninterest expense to average assets | 3.0377% | 3,124 |
| Loan and lease loss provision to assets | 0.1519% | 3,474 |
| Net operating income to assets | 1.5778% | 900 |
| Return on assets (ROA) | 1.5778% | 1,006 |
| Pretax return on assets | 1.5778% | 1,645 |
| Return on Equity (ROE) | 15.2429% | 931 |
| Retained earnings to average equity (ytd only) | 11.7392% | 868 |
| Net charge-offs to loans | -0.0638% | 6,636 |
| Credit loss provision to net charge-offs | -544.4444% | 5,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7191% | 4,976 |
| Assets per employee ($millions) | 3.0872% | 5,986 |
| Cash dividends to net income (ytd only)* | 22.9862% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,671 |
| Loan loss allowance to noncurrent loans | 144.3299% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 5,946 |
| Noncurrent loans to loans | 0.8040% | 5,070 |
| Net loans and leases to total assets | 45.9819% | 5,781 |
| Net loans and leases to deposits | 52.7694% | 5,917 |
| Net loans and leases to core deposits | 57.3664% | 5,771 |
| Total domestic deposits to total assets | 87.1375% | 2,871 |
| Equity capital to assets | 10.4424% | 3,563 |
| Core capital (leverage) ratio | 10.0108% | 3,357 |
| Tier 1 risk-based capital ratio | 18.3302% | 2,195 |
| Total risk-based capital ratio | 19.3415% | 2,226 |
| Memoranda: | ||
| Average total assets | $129,043,000 | 4,256 |
| Average earning assets | $121,014,000 | 4,177 |
| Average equity | $13,357,000 | 4,337 |
| Average total loans | $56,414,500 | 4,966 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6290% | 903 |
| Cost of funding earning assets | 0.9093% | 4,058 |
| Net interest margin | 4.7197% | 721 |
| Noninterest income to average assets | 0.6183% | 3,071 |
| Noninterest expense to average assets | 3.2282% | 2,775 |
| Loan and lease loss provision to assets | 0.1106% | 5,203 |
| Net operating income to assets | 1.7042% | 544 |
| Return on assets (ROA) | 1.7058% | 581 |
| Pretax return on assets | 1.7058% | 979 |
| Return on Equity (ROE) | 16.2253% | 570 |
| Retained earnings to average equity (ytd only) | 5.6862% | 2,180 |
| Net charge-offs to loans | 0.1503% | 4,939 |
| Credit loss provision to net charge-offs | 162.6506% | 1,689 |
| Earnings coverage of net charge-offs (x) | 26.6988% | 931 |
| Efficiency ratio | 64.0143% | 5,126 |
| Assets per employee ($millions) | 3.0577% | 5,979 |
| Cash dividends to net income (ytd only)* | 64.9544% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 5,284 |
| Loan loss allowance to noncurrent loans | 121.1321% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 5,939 |
| Noncurrent loans to loans | 1.0094% | 4,688 |
| Net loans and leases to total assets | 40.3864% | 6,518 |
| Net loans and leases to deposits | 47.9388% | 6,498 |
| Net loans and leases to core deposits | 52.0524% | 6,428 |
| Total domestic deposits to total assets | 84.2457% | 4,220 |
| Equity capital to assets | 10.2584% | 3,838 |
| Core capital (leverage) ratio | 9.5168% | 3,999 |
| Tier 1 risk-based capital ratio | 18.9466% | 1,911 |
| Total risk-based capital ratio | 19.9359% | 1,958 |
| Memoranda: | ||
| Average total assets | $122,110,600 | 4,344 |
| Average earning assets | $114,477,800 | 4,272 |
| Average equity | $12,838,000 | 4,367 |
| Average total loans | $55,209,400 | 5,065 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8438% | 641 |
| Cost of funding earning assets | 0.9294% | 4,203 |
| Net interest margin | 4.9145% | 495 |
| Noninterest income to average assets | 0.6073% | 3,127 |
| Noninterest expense to average assets | 3.1283% | 3,062 |
| Loan and lease loss provision to assets | 0.1615% | 4,450 |
| Net operating income to assets | 1.9270% | 402 |
| Return on assets (ROA) | 1.9247% | 441 |
| Pretax return on assets | 1.9247% | 738 |
| Return on Equity (ROE) | 18.1899% | 438 |
| Retained earnings to average equity (ytd only) | 14.5101% | 267 |
| Net charge-offs to loans | 0.0764% | 5,200 |
| Credit loss provision to net charge-offs | 456.2500% | 608 |
| Earnings coverage of net charge-offs (x) | 58.9939% | 562 |
| Efficiency ratio | 59.9661% | 5,729 |
| Assets per employee ($millions) | 2.9523% | 6,228 |
| Cash dividends to net income (ytd only)* | 20.2298% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 5,159 |
| Loan loss allowance to noncurrent loans | 158.5586% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 6,186 |
| Noncurrent loans to loans | 0.7993% | 5,272 |
| Net loans and leases to total assets | 44.2333% | 6,318 |
| Net loans and leases to deposits | 50.9389% | 6,449 |
| Net loans and leases to core deposits | 55.1142% | 6,383 |
| Total domestic deposits to total assets | 86.8360% | 2,752 |
| Equity capital to assets | 11.6713% | 2,522 |
| Core capital (leverage) ratio | 10.7060% | 2,657 |
| Tier 1 risk-based capital ratio | 19.6863% | 1,762 |
| Total risk-based capital ratio | 20.7562% | 1,782 |
| Memoranda: | ||
| Average total assets | $120,532,750 | 4,407 |
| Average earning assets | $113,050,750 | 4,325 |
| Average equity | $12,754,000 | 4,396 |
| Average total loans | $55,885,000 | 5,081 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7664% | 775 |
| Cost of funding earning assets | 0.9471% | 4,339 |
| Net interest margin | 4.8194% | 585 |
| Noninterest income to average assets | 0.6802% | 2,652 |
| Noninterest expense to average assets | 3.1899% | 2,939 |
| Loan and lease loss provision to assets | 0.3049% | 2,970 |
| Net operating income to assets | 1.7038% | 596 |
| Return on assets (ROA) | 1.7005% | 650 |
| Pretax return on assets | 1.7005% | 1,057 |
| Return on Equity (ROE) | 16.6648% | 589 |
| Retained earnings to average equity (ytd only) | 12.8065% | 407 |
| Net charge-offs to loans | 0.1072% | 4,617 |
| Credit loss provision to net charge-offs | 606.6667% | 511 |
| Earnings coverage of net charge-offs (x) | 39.9667% | 745 |
| Efficiency ratio | 61.3600% | 5,679 |
| Assets per employee ($millions) | 2.9538% | 6,184 |
| Cash dividends to net income (ytd only)* | 23.1527% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 5,670 |
| Loan loss allowance to noncurrent loans | 326.8722% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 6,631 |
| Noncurrent loans to loans | 0.3577% | 6,195 |
| Net loans and leases to total assets | 51.7918% | 5,600 |
| Net loans and leases to deposits | 59.6085% | 5,766 |
| Net loans and leases to core deposits | 64.5990% | 5,661 |
| Total domestic deposits to total assets | 86.8867% | 2,804 |
| Equity capital to assets | 10.9970% | 2,957 |
| Core capital (leverage) ratio | 10.3274% | 2,903 |
| Tier 1 risk-based capital ratio | 16.1451% | 2,904 |
| Total risk-based capital ratio | 17.1154% | 3,022 |
| Memoranda: | ||
| Average total assets | $119,378,000 | 4,476 |
| Average earning assets | $111,923,330 | 4,387 |
| Average equity | $12,181,330 | 4,510 |
| Average total loans | $55,996,000 | 5,123 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6483% | 979 |
| Cost of funding earning assets | 0.9498% | 4,569 |
| Net interest margin | 4.6986% | 707 |
| Noninterest income to average assets | 0.7122% | 2,504 |
| Noninterest expense to average assets | 3.2300% | 2,779 |
| Loan and lease loss provision to assets | 0.2228% | 3,431 |
| Net operating income to assets | 1.6673% | 603 |
| Return on assets (ROA) | 1.6707% | 635 |
| Pretax return on assets | 1.6707% | 1,033 |
| Return on Equity (ROE) | 17.0499% | 565 |
| Retained earnings to average equity (ytd only) | 13.0199% | 585 |
| Net charge-offs to loans | 0.0842% | 4,109 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 50.9091% | 567 |
| Efficiency ratio | 63.0850% | 5,508 |
| Assets per employee ($millions) | 2.8640% | 6,416 |
| Cash dividends to net income (ytd only)* | 23.6364% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 5,689 |
| Loan loss allowance to noncurrent loans | 104.3689% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 5,921 |
| Noncurrent loans to loans | 1.1385% | 4,803 |
| Net loans and leases to total assets | 45.6772% | 6,316 |
| Net loans and leases to deposits | 51.6481% | 6,503 |
| Net loans and leases to core deposits | 55.9297% | 6,417 |
| Total domestic deposits to total assets | 88.4393% | 2,113 |
| Equity capital to assets | 10.1972% | 3,545 |
| Core capital (leverage) ratio | 10.3175% | 2,785 |
| Tier 1 risk-based capital ratio | 17.4068% | 2,341 |
| Total risk-based capital ratio | 18.3468% | 2,411 |
| Memoranda: | ||
| Average total assets | $118,514,000 | 4,529 |
| Average earning assets | $111,183,000 | 4,431 |
| Average equity | $11,613,000 | 4,643 |
| Average total loans | $52,261,500 | 5,318 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9061% | 1,029 |
| Cost of funding earning assets | 1.0529% | 5,414 |
| Net interest margin | 4.8532% | 600 |
| Noninterest income to average assets | 0.7648% | 2,458 |
| Noninterest expense to average assets | 3.3619% | 2,552 |
| Loan and lease loss provision to assets | 0.1788% | 5,432 |
| Net operating income to assets | 1.7503% | 466 |
| Return on assets (ROA) | 1.7503% | 508 |
| Pretax return on assets | 1.7503% | 850 |
| Return on Equity (ROE) | 17.1111% | 467 |
| Retained earnings to average equity (ytd only) | 8.7389% | 773 |
| Net charge-offs to loans | 0.3277% | 4,369 |
| Credit loss provision to net charge-offs | 122.0238% | 3,434 |
| Earnings coverage of net charge-offs (x) | 13.1667% | 1,436 |
| Efficiency ratio | 63.5405% | 5,426 |
| Assets per employee ($millions) | 2.8477% | 6,445 |
| Cash dividends to net income (ytd only)* | 48.9287% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 5,627 |
| Loan loss allowance to noncurrent loans | 84.0456% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 5,850 |
| Noncurrent loans to loans | 1.3972% | 4,386 |
| Net loans and leases to total assets | 41.5137% | 6,874 |
| Net loans and leases to deposits | 49.0569% | 6,903 |
| Net loans and leases to core deposits | 52.6912% | 6,871 |
| Total domestic deposits to total assets | 84.6234% | 4,046 |
| Equity capital to assets | 9.4077% | 4,536 |
| Core capital (leverage) ratio | 9.4592% | 3,754 |
| Tier 1 risk-based capital ratio | 17.5009% | 2,174 |
| Total risk-based capital ratio | 18.3937% | 2,257 |
| Memoranda: | ||
| Average total assets | $114,668,600 | 4,596 |
| Average earning assets | $106,940,200 | 4,532 |
| Average equity | $11,729,200 | 4,685 |
| Average total loans | $51,267,000 | 5,435 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0869% | 782 |
| Cost of funding earning assets | 1.0709% | 5,590 |
| Net interest margin | 5.0160% | 426 |
| Noninterest income to average assets | 0.7993% | 2,238 |
| Noninterest expense to average assets | 3.2100% | 2,890 |
| Loan and lease loss provision to assets | 0.2316% | 4,757 |
| Net operating income to assets | 2.0264% | 323 |
| Return on assets (ROA) | 2.0264% | 348 |
| Pretax return on assets | 2.0264% | 590 |
| Return on Equity (ROE) | 19.4000% | 349 |
| Retained earnings to average equity (ytd only) | 15.4277% | 191 |
| Net charge-offs to loans | 0.2536% | 4,424 |
| Credit loss provision to net charge-offs | 201.0204% | 1,772 |
| Earnings coverage of net charge-offs (x) | 19.6026% | 1,200 |
| Efficiency ratio | 58.7059% | 6,162 |
| Assets per employee ($millions) | 2.8084% | 6,569 |
| Cash dividends to net income (ytd only)* | 20.4754% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 5,201 |
| Loan loss allowance to noncurrent loans | 95.4612% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 5,904 |
| Noncurrent loans to loans | 1.3142% | 4,668 |
| Net loans and leases to total assets | 43.5079% | 6,875 |
| Net loans and leases to deposits | 50.3113% | 6,994 |
| Net loans and leases to core deposits | 54.4887% | 6,934 |
| Total domestic deposits to total assets | 86.4774% | 2,813 |
| Equity capital to assets | 11.0673% | 2,892 |
| Core capital (leverage) ratio | 10.3781% | 2,828 |
| Tier 1 risk-based capital ratio | 17.9549% | 2,032 |
| Total risk-based capital ratio | 18.9377% | 2,082 |
| Memoranda: | ||
| Average total assets | $113,434,750 | 4,688 |
| Average earning assets | $105,579,750 | 4,622 |
| Average equity | $11,848,500 | 4,723 |
| Average total loans | $51,523,250 | 5,501 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1219% | 726 |
| Cost of funding earning assets | 1.0809% | 5,780 |
| Net interest margin | 5.0410% | 387 |
| Noninterest income to average assets | 0.8291% | 1,975 |
| Noninterest expense to average assets | 3.2538% | 2,715 |
| Loan and lease loss provision to assets | 0.3985% | 3,333 |
| Net operating income to assets | 1.8601% | 437 |
| Return on assets (ROA) | 1.8601% | 477 |
| Pretax return on assets | 1.8601% | 799 |
| Return on Equity (ROE) | 18.1887% | 448 |
| Retained earnings to average equity (ytd only) | 14.0827% | 305 |
| Net charge-offs to loans | 0.3776% | 3,472 |
| Credit loss provision to net charge-offs | 229.8969% | 1,685 |
| Earnings coverage of net charge-offs (x) | 13.0309% | 1,618 |
| Efficiency ratio | 59.0276% | 6,218 |
| Assets per employee ($millions) | 2.7692% | 6,640 |
| Cash dividends to net income (ytd only)* | 22.5744% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 5,614 |
| Loan loss allowance to noncurrent loans | 100.7418% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 5,791 |
| Noncurrent loans to loans | 1.1595% | 5,021 |
| Net loans and leases to total assets | 50.5985% | 6,364 |
| Net loans and leases to deposits | 57.5412% | 6,609 |
| Net loans and leases to core deposits | 62.4808% | 6,512 |
| Total domestic deposits to total assets | 87.9343% | 2,039 |
| Equity capital to assets | 10.7472% | 3,129 |
| Core capital (leverage) ratio | 9.9789% | 3,185 |
| Tier 1 risk-based capital ratio | 16.0932% | 2,633 |
| Total risk-based capital ratio | 17.0563% | 2,722 |
| Memoranda: | ||
| Average total assets | $111,929,330 | 4,753 |
| Average earning assets | $103,988,000 | 4,696 |
| Average equity | $11,446,670 | 4,816 |
| Average total loans | $51,374,330 | 5,550 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0688% | 836 |
| Cost of funding earning assets | 1.0698% | 6,041 |
| Net interest margin | 4.9990% | 415 |
| Noninterest income to average assets | 0.9431% | 1,474 |
| Noninterest expense to average assets | 3.2864% | 2,571 |
| Loan and lease loss provision to assets | 0.4715% | 2,613 |
| Net operating income to assets | 1.8106% | 484 |
| Return on assets (ROA) | 1.8106% | 534 |
| Pretax return on assets | 1.8106% | 860 |
| Return on Equity (ROE) | 18.1769% | 499 |
| Retained earnings to average equity (ytd only) | 13.9127% | 517 |
| Net charge-offs to loans | 0.0833% | 4,594 |
| Credit loss provision to net charge-offs | 1,310.0000% | 372 |
| Earnings coverage of net charge-offs (x) | 63.4000% | 483 |
| Efficiency ratio | 59.0175% | 6,338 |
| Assets per employee ($millions) | 2.6765% | 6,906 |
| Cash dividends to net income (ytd only)* | 23.4592% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 4,628 |
| Loan loss allowance to noncurrent loans | 74.1474% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8460% | 5,468 |
| Noncurrent loans to loans | 1.8338% | 4,019 |
| Net loans and leases to total assets | 43.4960% | 7,033 |
| Net loans and leases to deposits | 49.6023% | 7,146 |
| Net loans and leases to core deposits | 53.8745% | 7,111 |
| Total domestic deposits to total assets | 87.6894% | 2,240 |
| Equity capital to assets | 10.0431% | 3,808 |
| Core capital (leverage) ratio | 9.8549% | 3,334 |
| Tier 1 risk-based capital ratio | 17.1928% | 2,199 |
| Total risk-based capital ratio | 18.2533% | 2,220 |
| Memoranda: | ||
| Average total assets | $111,125,500 | 4,844 |
| Average earning assets | $102,821,000 | 4,787 |
| Average equity | $11,069,000 | 4,960 |
| Average total loans | $47,998,000 | 5,756 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4015% | 829 |
| Cost of funding earning assets | 1.2101% | 6,629 |
| Net interest margin | 5.1914% | 299 |
| Noninterest income to average assets | 0.8358% | 2,249 |
| Noninterest expense to average assets | 3.6081% | 2,117 |
| Loan and lease loss provision to assets | 0.1292% | 6,347 |
| Net operating income to assets | 1.9290% | 270 |
| Return on assets (ROA) | 1.9290% | 276 |
| Pretax return on assets | 1.9290% | 475 |
| Return on Equity (ROE) | 19.5574% | 268 |
| Retained earnings to average equity (ytd only) | 5.7031% | 1,470 |
| Net charge-offs to loans | 0.1867% | 5,489 |
| Credit loss provision to net charge-offs | 153.3333% | 2,987 |
| Earnings coverage of net charge-offs (x) | 24.4333% | 906 |
| Efficiency ratio | 63.6769% | 5,838 |
| Assets per employee ($millions) | 2.6151% | 7,015 |
| Cash dividends to net income (ytd only)* | 70.8394% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,420 |
| Loan loss allowance to noncurrent loans | 112.3984% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 6,232 |
| Noncurrent loans to loans | 1.0598% | 5,203 |
| Net loans and leases to total assets | 41.7650% | 7,259 |
| Net loans and leases to deposits | 47.8512% | 7,362 |
| Net loans and leases to core deposits | 56.9172% | 7,372 |
| Total domestic deposits to total assets | 87.2810% | 2,338 |
| Equity capital to assets | 9.8765% | 3,919 |
| Core capital (leverage) ratio | 9.6450% | 3,529 |
| Tier 1 risk-based capital ratio | 17.4633% | 2,038 |
| Total risk-based capital ratio | 18.3794% | 2,077 |
| Memoranda: | ||
| Average total assets | $106,843,600 | 4,906 |
| Average earning assets | $99,414,400 | 4,855 |
| Average equity | $10,538,200 | 5,147 |
| Average total loans | $48,217,800 | 5,749 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4833% | 776 |
| Cost of funding earning assets | 1.2329% | 6,794 |
| Net interest margin | 5.2504% | 281 |
| Noninterest income to average assets | 0.8583% | 2,162 |
| Noninterest expense to average assets | 3.5301% | 2,199 |
| Loan and lease loss provision to assets | 0.2300% | 5,132 |
| Net operating income to assets | 2.0007% | 295 |
| Return on assets (ROA) | 2.0007% | 317 |
| Pretax return on assets | 2.0007% | 540 |
| Return on Equity (ROE) | 20.2912% | 294 |
| Retained earnings to average equity (ytd only) | 16.1106% | 124 |
| Net charge-offs to loans | 0.1342% | 5,356 |
| Credit loss provision to net charge-offs | 373.4694% | 1,081 |
| Earnings coverage of net charge-offs (x) | 36.2255% | 805 |
| Efficiency ratio | 61.2784% | 6,228 |
| Assets per employee ($millions) | 2.5607% | 7,127 |
| Cash dividends to net income (ytd only)* | 20.6029% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 4,737 |
| Loan loss allowance to noncurrent loans | 88.5042% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7225% | 5,686 |
| Noncurrent loans to loans | 1.4265% | 4,535 |
| Net loans and leases to total assets | 46.4668% | 7,070 |
| Net loans and leases to deposits | 53.8141% | 7,226 |
| Net loans and leases to core deposits | 64.4656% | 7,226 |
| Total domestic deposits to total assets | 86.3468% | 2,514 |
| Equity capital to assets | 11.1344% | 2,893 |
| Core capital (leverage) ratio | 10.6014% | 2,711 |
| Tier 1 risk-based capital ratio | 17.8190% | 2,044 |
| Total risk-based capital ratio | 18.8354% | 2,060 |
| Memoranda: | ||
| Average total assets | $106,095,500 | 4,956 |
| Average earning assets | $99,062,750 | 4,887 |
| Average equity | $10,460,750 | 5,215 |
| Average total loans | $48,665,750 | 5,773 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4386% | 924 |
| Cost of funding earning assets | 1.2540% | 6,946 |
| Net interest margin | 5.1846% | 303 |
| Noninterest income to average assets | 0.8844% | 2,042 |
| Noninterest expense to average assets | 3.5394% | 2,221 |
| Loan and lease loss provision to assets | 0.3295% | 3,960 |
| Net operating income to assets | 1.8540% | 408 |
| Return on assets (ROA) | 1.8540% | 443 |
| Pretax return on assets | 1.8540% | 767 |
| Return on Equity (ROE) | 19.6665% | 357 |
| Retained earnings to average equity (ytd only) | 15.2873% | 192 |
| Net charge-offs to loans | 0.1999% | 4,287 |
| Credit loss provision to net charge-offs | 362.5000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 24.0208% | 1,165 |
| Efficiency ratio | 61.8465% | 6,267 |
| Assets per employee ($millions) | 2.5921% | 7,070 |
| Cash dividends to net income (ytd only)* | 22.2676% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 5,187 |
| Loan loss allowance to noncurrent loans | 119.9620% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 6,061 |
| Noncurrent loans to loans | 0.9674% | 5,286 |
| Net loans and leases to total assets | 50.5655% | 6,823 |
| Net loans and leases to deposits | 58.2701% | 7,006 |
| Net loans and leases to core deposits | 69.1631% | 7,067 |
| Total domestic deposits to total assets | 86.7778% | 2,365 |
| Equity capital to assets | 9.8141% | 4,195 |
| Core capital (leverage) ratio | 10.0841% | 3,206 |
| Tier 1 risk-based capital ratio | 16.2646% | 2,530 |
| Total risk-based capital ratio | 17.2237% | 2,578 |
| Memoranda: | ||
| Average total assets | $105,610,670 | 4,996 |
| Average earning assets | $98,562,000 | 4,936 |
| Average equity | $9,956,000 | 5,369 |
| Average total loans | $48,016,330 | 5,848 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2666% | 1,395 |
| Cost of funding earning assets | 1.2777% | 7,089 |
| Net interest margin | 4.9888% | 409 |
| Noninterest income to average assets | 0.9347% | 1,720 |
| Noninterest expense to average assets | 3.4651% | 2,182 |
| Loan and lease loss provision to assets | 0.3192% | 3,420 |
| Net operating income to assets | 1.8085% | 524 |
| Return on assets (ROA) | 1.8085% | 579 |
| Pretax return on assets | 1.8085% | 965 |
| Return on Equity (ROE) | 19.5905% | 450 |
| Retained earnings to average equity (ytd only) | 15.1044% | 405 |
| Net charge-offs to loans | 0.2498% | 3,157 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,394 |
| Efficiency ratio | 61.9565% | 6,056 |
| Assets per employee ($millions) | 2.5549% | 7,174 |
| Cash dividends to net income (ytd only)* | 22.8992% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 4,671 |
| Loan loss allowance to noncurrent loans | 97.7352% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 5,874 |
| Noncurrent loans to loans | 1.2475% | 4,475 |
| Net loans and leases to total assets | 42.3564% | 7,445 |
| Net loans and leases to deposits | 47.7768% | 7,585 |
| Net loans and leases to core deposits | 56.2269% | 7,609 |
| Total domestic deposits to total assets | 88.6549% | 1,397 |
| Equity capital to assets | 9.3834% | 4,830 |
| Core capital (leverage) ratio | 9.8753% | 3,550 |
| Tier 1 risk-based capital ratio | 17.6299% | 2,147 |
| Total risk-based capital ratio | 18.5893% | 2,180 |
| Memoranda: | ||
| Average total assets | $105,278,000 | 5,030 |
| Average earning assets | $98,299,500 | 4,964 |
| Average equity | $9,719,000 | 5,470 |
| Average total loans | $44,839,500 | 6,022 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9957% | 1,140 |
| Cost of funding earning assets | 1.8412% | 6,896 |
| Net interest margin | 5.1544% | 371 |
| Noninterest income to average assets | 0.9577% | 1,734 |
| Noninterest expense to average assets | 3.5081% | 2,376 |
| Loan and lease loss provision to assets | 0.1070% | 6,008 |
| Net operating income to assets | 2.1393% | 267 |
| Return on assets (ROA) | 2.1393% | 261 |
| Pretax return on assets | 2.1393% | 448 |
| Return on Equity (ROE) | 23.5756% | 190 |
| Retained earnings to average equity (ytd only) | 16.6776% | 61 |
| Net charge-offs to loans | 0.2703% | 3,602 |
| Credit loss provision to net charge-offs | 87.8049% | 5,726 |
| Earnings coverage of net charge-offs (x) | 18.4390% | 1,704 |
| Efficiency ratio | 60.9639% | 6,169 |
| Assets per employee ($millions) | 2.4583% | 7,281 |
| Cash dividends to net income (ytd only)* | 29.2593% | 4,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 4,868 |
| Loan loss allowance to noncurrent loans | 115.8257% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 5,873 |
| Noncurrent loans to loans | 0.9985% | 4,600 |
| Net loans and leases to total assets | 41.8034% | 7,599 |
| Net loans and leases to deposits | 47.8297% | 7,713 |
| Net loans and leases to core deposits | 55.8898% | 7,742 |
| Total domestic deposits to total assets | 87.4005% | 1,756 |
| Equity capital to assets | 9.0741% | 5,261 |
| Core capital (leverage) ratio | 9.6237% | 3,852 |
| Tier 1 risk-based capital ratio | 17.9301% | 2,055 |
| Total risk-based capital ratio | 18.8411% | 2,094 |
| Memoranda: | ||
| Average total assets | $100,967,200 | 5,017 |
| Average earning assets | $93,958,000 | 4,970 |
| Average equity | $9,162,000 | 5,686 |
| Average total loans | $45,497,400 | 5,905 |