Home > Carroll County Trust Company of Carrollton, Missouri > Performance and Condition Ratios
Carroll County Trust Company of Carrollton, Missouri, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 3,719 |
| Cost of funding earning assets | 1.8185% | 1,217 |
| Net interest margin | 2.3343% | 4,232 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.0885% | 3,434 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 0.4606% | 3,748 |
| Return on assets (ROA) | 0.4389% | 3,790 |
| Pretax return on assets | 0.4389% | 3,908 |
| Return on Equity (ROE) | 10.4900% | 2,364 |
| Retained earnings to average equity (ytd only) | 1.9435% | 3,589 |
| Net charge-offs to loans | -0.0087% | 3,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.9604% | 664 |
| Assets per employee ($millions) | 9.0452% | 967 |
| Cash dividends to net income (ytd only)* | 81.4815% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 1,541 |
| Loan loss allowance to noncurrent loans | 290.8555% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 2,445 |
| Noncurrent loans to loans | 0.4680% | 1,613 |
| Net loans and leases to total assets | 34.3500% | 4,204 |
| Net loans and leases to deposits | 41.7396% | 4,155 |
| Net loans and leases to core deposits | 53.0402% | 4,001 |
| Total domestic deposits to total assets | 82.2800% | 3,071 |
| Equity capital to assets | 4.3400% | 4,482 |
| Core capital (leverage) ratio | 9.1071% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $203,012,400 | 2,973 |
| Average earning assets | $188,833,000 | 2,957 |
| Average equity | $8,490,000 | 3,880 |
| Average total loans | $68,921,200 | 3,568 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 3,718 |
| Cost of funding earning assets | 1.6599% | 1,260 |
| Net interest margin | 2.4051% | 4,225 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.0189% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5492% | 3,666 |
| Return on assets (ROA) | 0.5313% | 3,683 |
| Pretax return on assets | 0.5313% | 3,859 |
| Return on Equity (ROE) | 12.8300% | 1,935 |
| Retained earnings to average equity (ytd only) | 6.0320% | 2,625 |
| Net charge-offs to loans | -0.0118% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.6155% | 963 |
| Assets per employee ($millions) | 8.9077% | 961 |
| Cash dividends to net income (ytd only)* | 52.9851% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 879 |
| Loan loss allowance to noncurrent loans | 176.0697% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 1,785 |
| Noncurrent loans to loans | 0.9099% | 905 |
| Net loans and leases to total assets | 33.3100% | 4,255 |
| Net loans and leases to deposits | 40.7649% | 4,189 |
| Net loans and leases to core deposits | 49.7768% | 4,045 |
| Total domestic deposits to total assets | 81.7000% | 3,272 |
| Equity capital to assets | 4.0029% | 4,404 |
| Core capital (leverage) ratio | 9.2456% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $201,755,500 | 2,983 |
| Average earning assets | $187,873,500 | 2,970 |
| Average equity | $8,355,250 | 3,894 |
| Average total loans | $68,042,000 | 3,592 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 3,595 |
| Cost of funding earning assets | 1.5058% | 1,230 |
| Net interest margin | 2.5403% | 4,171 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.0387% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6576% | 3,440 |
| Return on assets (ROA) | 0.6307% | 3,513 |
| Pretax return on assets | 0.6307% | 3,742 |
| Return on Equity (ROE) | 15.0600% | 1,459 |
| Retained earnings to average equity (ytd only) | 15.0595% | 556 |
| Net charge-offs to loans | 0.0059% | 2,037 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 330.0000% | 421 |
| Efficiency ratio | 75.6098% | 1,209 |
| Assets per employee ($millions) | 8.4832% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 904 |
| Loan loss allowance to noncurrent loans | 93.0017% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 927 |
| Noncurrent loans to loans | 1.7386% | 354 |
| Net loans and leases to total assets | 32.9600% | 4,263 |
| Net loans and leases to deposits | 38.7155% | 4,242 |
| Net loans and leases to core deposits | 46.4410% | 4,115 |
| Total domestic deposits to total assets | 85.1400% | 2,505 |
| Equity capital to assets | 4.3120% | 4,472 |
| Core capital (leverage) ratio | 9.3524% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $200,715,000 | 2,999 |
| Average earning assets | $187,143,000 | 2,983 |
| Average equity | $8,406,667 | 3,917 |
| Average total loans | $67,607,000 | 3,602 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 3,930 |
| Cost of funding earning assets | 1.2183% | 1,405 |
| Net interest margin | 2.5400% | 4,267 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.0755% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5781% | 3,732 |
| Return on assets (ROA) | 0.5761% | 3,701 |
| Pretax return on assets | 0.5761% | 3,884 |
| Return on Equity (ROE) | 13.9700% | 1,780 |
| Retained earnings to average equity (ytd only) | 13.9651% | 944 |
| Net charge-offs to loans | 0.0178% | 1,331 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 806 |
| Efficiency ratio | 78.2148% | 983 |
| Assets per employee ($millions) | 8.2221% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 814 |
| Loan loss allowance to noncurrent loans | 62.7920% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.8538% | 544 |
| Noncurrent loans to loans | 2.7016% | 174 |
| Net loans and leases to total assets | 31.0700% | 4,347 |
| Net loans and leases to deposits | 36.3159% | 4,324 |
| Net loans and leases to core deposits | 43.5116% | 4,187 |
| Total domestic deposits to total assets | 85.5500% | 2,705 |
| Equity capital to assets | 4.3444% | 4,519 |
| Core capital (leverage) ratio | 9.2696% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $199,274,500 | 3,044 |
| Average earning assets | $185,829,000 | 3,023 |
| Average equity | $8,220,500 | 3,979 |
| Average total loans | $67,303,500 | 3,651 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2464% | 3,729 |
| Cost of funding earning assets | 0.6568% | 701 |
| Net interest margin | 2.5896% | 4,191 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.2974% | 2,743 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.4035% | 4,240 |
| Return on assets (ROA) | 0.4212% | 4,185 |
| Pretax return on assets | 0.3920% | 4,284 |
| Return on Equity (ROE) | 7.1500% | 3,608 |
| Retained earnings to average equity (ytd only) | -0.7940% | 4,431 |
| Net charge-offs to loans | 0.0142% | 1,853 |
| Credit loss provision to net charge-offs | 833.3333% | 481 |
| Earnings coverage of net charge-offs (x) | 83.8889% | 1,067 |
| Efficiency ratio | 84.6794% | 459 |
| Assets per employee ($millions) | 8.3911% | 1,143 |
| Cash dividends to net income (ytd only)* | 111.1111% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 1,489 |
| Loan loss allowance to noncurrent loans | 57.0595% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.8881% | 506 |
| Noncurrent loans to loans | 2.4610% | 191 |
| Net loans and leases to total assets | 35.5800% | 4,231 |
| Net loans and leases to deposits | 40.5755% | 4,227 |
| Net loans and leases to core deposits | 46.4610% | 4,103 |
| Total domestic deposits to total assets | 87.6900% | 2,184 |
| Equity capital to assets | 3.8918% | 4,530 |
| Core capital (leverage) ratio | 9.7224% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $181,642,800 | 3,174 |
| Average earning assets | $169,755,400 | 3,158 |
| Average equity | $10,705,400 | 3,787 |
| Average total loans | $63,592,400 | 3,675 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1264% | 3,610 |
| Cost of funding earning assets | 0.5376% | 614 |
| Net interest margin | 2.5888% | 4,117 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.1323% | 3,123 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5976% | 3,840 |
| Return on assets (ROA) | 0.6212% | 3,736 |
| Pretax return on assets | 0.5821% | 4,021 |
| Return on Equity (ROE) | 8.3700% | 3,208 |
| Retained earnings to average equity (ytd only) | 4.1854% | 3,381 |
| Net charge-offs to loans | -0.0021% | 3,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.3835% | 883 |
| Assets per employee ($millions) | 7.5293% | 1,596 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 1,416 |
| Loan loss allowance to noncurrent loans | 55.1127% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.9196% | 504 |
| Noncurrent loans to loans | 2.6531% | 195 |
| Net loans and leases to total assets | 34.1600% | 4,298 |
| Net loans and leases to deposits | 40.5962% | 4,217 |
| Net loans and leases to core deposits | 46.1340% | 4,101 |
| Total domestic deposits to total assets | 84.1300% | 3,473 |
| Equity capital to assets | 7.3181% | 3,322 |
| Core capital (leverage) ratio | 10.5367% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $180,711,750 | 3,199 |
| Average earning assets | $169,136,000 | 3,185 |
| Average equity | $13,411,500 | 3,568 |
| Average total loans | $62,079,000 | 3,715 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0537% | 3,419 |
| Cost of funding earning assets | 0.4980% | 524 |
| Net interest margin | 2.5557% | 3,992 |
| Noninterest income to average assets | 0.2626% | 3,596 |
| Noninterest expense to average assets | 2.2233% | 2,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4949% | 3,905 |
| Return on assets (ROA) | 0.5230% | 3,788 |
| Pretax return on assets | 0.4635% | 4,055 |
| Return on Equity (ROE) | 7.0126% | 3,312 |
| Retained earnings to average equity (ytd only) | 4.5447% | 2,863 |
| Net charge-offs to loans | -0.0033% | 3,225 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6218% | 705 |
| Assets per employee ($millions) | 7.1456% | 1,848 |
| Cash dividends to net income (ytd only)* | 35.1931% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 1,484 |
| Loan loss allowance to noncurrent loans | 51.5220% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.9931% | 473 |
| Noncurrent loans to loans | 2.8568% | 181 |
| Net loans and leases to total assets | 34.2493% | 4,323 |
| Net loans and leases to deposits | 38.6715% | 4,309 |
| Net loans and leases to core deposits | 42.1304% | 4,259 |
| Total domestic deposits to total assets | 88.5647% | 2,349 |
| Equity capital to assets | 4.9591% | 4,482 |
| Core capital (leverage) ratio | 10.6147% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,205,000 | 3,259 |
| Average earning assets | $167,076,000 | 3,246 |
| Average equity | $13,290,333 | 3,656 |
| Average total loans | $61,023,667 | 3,771 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0076% | 3,233 |
| Cost of funding earning assets | 0.4933% | 514 |
| Net interest margin | 2.5144% | 3,877 |
| Noninterest income to average assets | 0.2225% | 3,823 |
| Noninterest expense to average assets | 2.5215% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0607% | 4,505 |
| Return on assets (ROA) | 0.0876% | 4,456 |
| Pretax return on assets | 0.0876% | 4,456 |
| Return on Equity (ROE) | 1.0061% | 4,422 |
| Retained earnings to average equity (ytd only) | -0.7481% | 4,116 |
| Net charge-offs to loans | -0.0066% | 3,439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6501% | 283 |
| Assets per employee ($millions) | 6.9956% | 2,000 |
| Cash dividends to net income (ytd only)* | 174.3590% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 1,342 |
| Loan loss allowance to noncurrent loans | 49.9453% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0050% | 502 |
| Noncurrent loans to loans | 3.1475% | 161 |
| Net loans and leases to total assets | 31.4286% | 4,403 |
| Net loans and leases to deposits | 36.8201% | 4,357 |
| Net loans and leases to core deposits | 38.7437% | 4,348 |
| Total domestic deposits to total assets | 85.3572% | 3,454 |
| Equity capital to assets | 6.9198% | 4,246 |
| Core capital (leverage) ratio | 9.8350% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,987,500 | 3,273 |
| Average earning assets | $167,041,000 | 3,261 |
| Average equity | $15,506,000 | 3,516 |
| Average total loans | $60,487,000 | 3,786 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5693% | 2,468 |
| Cost of funding earning assets | 0.5818% | 597 |
| Net interest margin | 2.9875% | 3,228 |
| Noninterest income to average assets | 0.3002% | 3,600 |
| Noninterest expense to average assets | 2.1905% | 3,116 |
| Loan and lease loss provision to assets | -0.0583% | 4,396 |
| Net operating income to assets | 0.9549% | 2,848 |
| Return on assets (ROA) | 0.9694% | 2,860 |
| Pretax return on assets | 0.9781% | 3,318 |
| Return on Equity (ROE) | 8.5913% | 3,052 |
| Retained earnings to average equity (ytd only) | 5.7757% | 2,451 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7588% | 1,650 |
| Assets per employee ($millions) | 6.4478% | 2,374 |
| Cash dividends to net income (ytd only)* | 32.7721% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,732 |
| Loan loss allowance to noncurrent loans | 52.1739% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 556 |
| Noncurrent loans to loans | 2.7791% | 228 |
| Net loans and leases to total assets | 35.6051% | 4,305 |
| Net loans and leases to deposits | 43.3446% | 4,210 |
| Net loans and leases to core deposits | 45.9019% | 4,187 |
| Total domestic deposits to total assets | 82.1443% | 3,938 |
| Equity capital to assets | 10.5842% | 2,103 |
| Core capital (leverage) ratio | 10.7989% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8703% | 2,917 |
| Memoranda: | ||
| Average total assets | $171,557,200 | 3,287 |
| Average earning assets | $160,535,600 | 3,274 |
| Average equity | $19,356,800 | 3,271 |
| Average total loans | $63,982,200 | 3,763 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7355% | 2,183 |
| Cost of funding earning assets | 0.6070% | 622 |
| Net interest margin | 3.1285% | 2,969 |
| Noninterest income to average assets | 0.2949% | 3,682 |
| Noninterest expense to average assets | 1.9993% | 3,675 |
| Loan and lease loss provision to assets | -0.0778% | 4,544 |
| Net operating income to assets | 1.2888% | 1,853 |
| Return on assets (ROA) | 1.3074% | 1,860 |
| Pretax return on assets | 1.3191% | 2,575 |
| Return on Equity (ROE) | 11.4072% | 2,234 |
| Retained earnings to average equity (ytd only) | 11.0669% | 1,051 |
| Net charge-offs to loans | -0.0104% | 3,684 |
| Credit loss provision to net charge-offs | 2,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0581% | 2,690 |
| Assets per employee ($millions) | 6.0613% | 2,633 |
| Cash dividends to net income (ytd only)* | 2.9833% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 1,560 |
| Loan loss allowance to noncurrent loans | 49.6477% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.0871% | 583 |
| Noncurrent loans to loans | 3.0562% | 214 |
| Net loans and leases to total assets | 35.0315% | 4,429 |
| Net loans and leases to deposits | 43.1417% | 4,341 |
| Net loans and leases to core deposits | 45.5726% | 4,336 |
| Total domestic deposits to total assets | 81.2009% | 4,061 |
| Equity capital to assets | 11.8274% | 1,478 |
| Core capital (leverage) ratio | 11.2038% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,924,000 | 3,328 |
| Average earning assets | $159,904,000 | 3,307 |
| Average equity | $19,589,500 | 3,292 |
| Average total loans | $64,253,500 | 3,813 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0236% | 1,517 |
| Cost of funding earning assets | 0.6305% | 638 |
| Net interest margin | 3.3932% | 2,156 |
| Noninterest income to average assets | 0.2883% | 3,696 |
| Noninterest expense to average assets | 1.9752% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4685% | 1,380 |
| Return on assets (ROA) | 1.4685% | 1,440 |
| Pretax return on assets | 1.4861% | 2,060 |
| Return on Equity (ROE) | 12.9502% | 1,733 |
| Retained earnings to average equity (ytd only) | 12.9502% | 726 |
| Net charge-offs to loans | -0.0061% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0658% | 3,399 |
| Assets per employee ($millions) | 6.7277% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 1,248 |
| Loan loss allowance to noncurrent loans | 61.2319% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.9467% | 809 |
| Noncurrent loans to loans | 2.6296% | 303 |
| Net loans and leases to total assets | 35.4233% | 4,477 |
| Net loans and leases to deposits | 43.2333% | 4,411 |
| Net loans and leases to core deposits | 45.4807% | 4,411 |
| Total domestic deposits to total assets | 81.9351% | 3,938 |
| Equity capital to assets | 11.3258% | 1,742 |
| Core capital (leverage) ratio | 10.7279% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,326,667 | 3,325 |
| Average earning assets | $160,203,000 | 3,307 |
| Average equity | $19,428,333 | 3,294 |
| Average total loans | $65,548,000 | 3,803 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 1,058 |
| Cost of funding earning assets | 0.6292% | 763 |
| Net interest margin | 3.6613% | 1,425 |
| Noninterest income to average assets | 0.2761% | 3,744 |
| Noninterest expense to average assets | 1.9112% | 3,964 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7484% | 861 |
| Return on assets (ROA) | 1.7484% | 915 |
| Pretax return on assets | 1.7837% | 1,322 |
| Return on Equity (ROE) | 15.4078% | 1,137 |
| Retained earnings to average equity (ytd only) | 15.4078% | 587 |
| Net charge-offs to loans | -0.0060% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7241% | 4,023 |
| Assets per employee ($millions) | 6.4277% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,510 |
| Loan loss allowance to noncurrent loans | 64.5634% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 952 |
| Noncurrent loans to loans | 2.3664% | 404 |
| Net loans and leases to total assets | 37.6215% | 4,433 |
| Net loans and leases to deposits | 46.3382% | 4,331 |
| Net loans and leases to core deposits | 48.5150% | 4,358 |
| Total domestic deposits to total assets | 81.1890% | 4,034 |
| Equity capital to assets | 10.9290% | 1,915 |
| Core capital (leverage) ratio | 10.5593% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,530,500 | 3,337 |
| Average earning assets | $158,302,500 | 3,326 |
| Average equity | $19,237,000 | 3,306 |
| Average total loans | $66,834,000 | 3,798 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7480% | 3,450 |
| Cost of funding earning assets | 0.7934% | 1,242 |
| Net interest margin | 2.9546% | 4,001 |
| Noninterest income to average assets | 0.1544% | 4,524 |
| Noninterest expense to average assets | 2.1160% | 3,899 |
| Loan and lease loss provision to assets | 0.4247% | 693 |
| Net operating income to assets | 0.3476% | 4,353 |
| Return on assets (ROA) | 0.3701% | 4,384 |
| Pretax return on assets | 0.3794% | 4,447 |
| Return on Equity (ROE) | 3.2116% | 4,321 |
| Retained earnings to average equity (ytd only) | 3.2116% | 3,218 |
| Net charge-offs to loans | 1.2025% | 100 |
| Credit loss provision to net charge-offs | 82.9298% | 2,970 |
| Earnings coverage of net charge-offs (x) | 1.5254% | 3,248 |
| Efficiency ratio | 73.0366% | 1,568 |
| Assets per employee ($millions) | 6.3659% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 1,580 |
| Loan loss allowance to noncurrent loans | 59.9526% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.0199% | 926 |
| Noncurrent loans to loans | 2.5058% | 399 |
| Net loans and leases to total assets | 40.0885% | 4,435 |
| Net loans and leases to deposits | 50.1451% | 4,311 |
| Net loans and leases to core deposits | 52.4887% | 4,315 |
| Total domestic deposits to total assets | 79.9449% | 4,053 |
| Equity capital to assets | 11.7857% | 1,688 |
| Core capital (leverage) ratio | 10.8642% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,298,000 | 3,276 |
| Average earning assets | $149,732,000 | 3,267 |
| Average equity | $18,589,000 | 3,315 |
| Average total loans | $68,690,400 | 3,764 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6730% | 3,851 |
| Cost of funding earning assets | 0.8385% | 1,316 |
| Net interest margin | 2.8344% | 4,282 |
| Noninterest income to average assets | 0.1040% | 4,744 |
| Noninterest expense to average assets | 1.9753% | 4,204 |
| Loan and lease loss provision to assets | 0.4836% | 634 |
| Net operating income to assets | 0.2710% | 4,489 |
| Return on assets (ROA) | 0.3012% | 4,493 |
| Pretax return on assets | 0.3087% | 4,537 |
| Return on Equity (ROE) | 2.6289% | 4,454 |
| Retained earnings to average equity (ytd only) | 2.6289% | 3,676 |
| Net charge-offs to loans | 1.5492% | 73 |
| Credit loss provision to net charge-offs | 72.4439% | 2,799 |
| Earnings coverage of net charge-offs (x) | 1.1409% | 3,091 |
| Efficiency ratio | 72.1800% | 1,621 |
| Assets per employee ($millions) | 5.8602% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 1,898 |
| Loan loss allowance to noncurrent loans | 24.7806% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.3770% | 235 |
| Noncurrent loans to loans | 5.5080% | 86 |
| Net loans and leases to total assets | 42.5666% | 4,476 |
| Net loans and leases to deposits | 54.7187% | 4,307 |
| Net loans and leases to core deposits | 57.3464% | 4,327 |
| Total domestic deposits to total assets | 77.7918% | 4,229 |
| Equity capital to assets | 12.2389% | 1,558 |
| Core capital (leverage) ratio | 10.8241% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,244,000 | 3,271 |
| Average earning assets | $148,832,000 | 3,257 |
| Average equity | $18,359,500 | 3,333 |
| Average total loans | $69,022,000 | 3,768 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 3,883 |
| Cost of funding earning assets | 0.8700% | 1,495 |
| Net interest margin | 2.9206% | 4,277 |
| Noninterest income to average assets | 0.0025% | 5,005 |
| Noninterest expense to average assets | 1.9762% | 4,280 |
| Loan and lease loss provision to assets | 0.8079% | 301 |
| Net operating income to assets | -0.0643% | 4,815 |
| Return on assets (ROA) | -0.0609% | 4,819 |
| Pretax return on assets | -0.0659% | 4,814 |
| Return on Equity (ROE) | -0.5437% | 4,824 |
| Retained earnings to average equity (ytd only) | -0.5437% | 4,409 |
| Net charge-offs to loans | 2.3185% | 53 |
| Credit loss provision to net charge-offs | 80.9465% | 2,502 |
| Earnings coverage of net charge-offs (x) | 0.7397% | 2,908 |
| Efficiency ratio | 72.8022% | 1,588 |
| Assets per employee ($millions) | 6.2918% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 1,148 |
| Loan loss allowance to noncurrent loans | 58.1058% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 1,112 |
| Noncurrent loans to loans | 2.6514% | 418 |
| Net loans and leases to total assets | 39.0679% | 4,640 |
| Net loans and leases to deposits | 49.6053% | 4,546 |
| Net loans and leases to core deposits | 54.0118% | 4,498 |
| Total domestic deposits to total assets | 78.7575% | 4,073 |
| Equity capital to assets | 11.5168% | 1,961 |
| Core capital (leverage) ratio | 10.5604% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1892% | 2,920 |
| Memoranda: | ||
| Average total assets | $160,917,000 | 3,242 |
| Average earning assets | $149,421,333 | 3,228 |
| Average equity | $18,024,333 | 3,358 |
| Average total loans | $69,268,333 | 3,768 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8458% | 4,142 |
| Cost of funding earning assets | 0.8908% | 1,916 |
| Net interest margin | 2.9550% | 4,351 |
| Noninterest income to average assets | -0.3208% | 5,095 |
| Noninterest expense to average assets | 1.9100% | 4,531 |
| Loan and lease loss provision to assets | 0.0025% | 3,702 |
| Net operating income to assets | 0.5063% | 3,874 |
| Return on assets (ROA) | 0.5063% | 3,934 |
| Pretax return on assets | 0.5189% | 4,088 |
| Return on Equity (ROE) | 4.5866% | 3,786 |
| Retained earnings to average equity (ytd only) | 4.5866% | 2,463 |
| Net charge-offs to loans | 4.5236% | 26 |
| Credit loss provision to net charge-offs | 0.1238% | 2,251 |
| Earnings coverage of net charge-offs (x) | 0.2574% | 2,480 |
| Efficiency ratio | 78.5567% | 1,278 |
| Assets per employee ($millions) | 6.1372% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4965% | 4,877 |
| Loan loss allowance to noncurrent loans | 17.5545% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.2352% | 983 |
| Noncurrent loans to loans | 2.8284% | 397 |
| Net loans and leases to total assets | 43.4554% | 4,528 |
| Net loans and leases to deposits | 53.3997% | 4,469 |
| Net loans and leases to core deposits | 58.8660% | 4,403 |
| Total domestic deposits to total assets | 81.3776% | 3,577 |
| Equity capital to assets | 10.9735% | 2,878 |
| Core capital (leverage) ratio | 10.6577% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8995% | 3,129 |
| Memoranda: | ||
| Average total assets | $159,582,000 | 3,217 |
| Average earning assets | $148,629,500 | 3,206 |
| Average equity | $17,616,500 | 3,410 |
| Average total loans | $71,447,500 | 3,738 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 4,160 |
| Cost of funding earning assets | 0.9681% | 1,866 |
| Net interest margin | 3.0735% | 4,412 |
| Noninterest income to average assets | 0.3048% | 3,865 |
| Noninterest expense to average assets | 2.5299% | 3,370 |
| Loan and lease loss provision to assets | 0.1039% | 1,988 |
| Net operating income to assets | 0.5220% | 4,354 |
| Return on assets (ROA) | 0.5264% | 4,392 |
| Pretax return on assets | 0.5339% | 4,518 |
| Return on Equity (ROE) | 4.9990% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.9990% | 2,414 |
| Net charge-offs to loans | -0.0379% | 4,763 |
| Credit loss provision to net charge-offs | -611.1111% | 4,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9761% | 948 |
| Assets per employee ($millions) | 6.3839% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 1,035 |
| Loan loss allowance to noncurrent loans | 37.8902% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.9067% | 431 |
| Noncurrent loans to loans | 4.1566% | 156 |
| Net loans and leases to total assets | 45.1484% | 4,552 |
| Net loans and leases to deposits | 55.4789% | 4,477 |
| Net loans and leases to core deposits | 61.0566% | 4,386 |
| Total domestic deposits to total assets | 81.3795% | 3,686 |
| Equity capital to assets | 11.1048% | 2,903 |
| Core capital (leverage) ratio | 10.8371% | 2,650 |
| Tier 1 risk-based capital ratio | 11.4217% | 4,668 |
| Total risk-based capital ratio | 12.1925% | 4,781 |
| Memoranda: | ||
| Average total assets | $158,817,600 | 3,213 |
| Average earning assets | $147,716,000 | 3,193 |
| Average equity | $16,723,400 | 3,466 |
| Average total loans | $71,277,600 | 3,755 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 4,324 |
| Cost of funding earning assets | 0.9978% | 1,772 |
| Net interest margin | 3.0204% | 4,597 |
| Noninterest income to average assets | 0.3076% | 3,902 |
| Noninterest expense to average assets | 2.4309% | 3,606 |
| Loan and lease loss provision to assets | 0.0546% | 2,822 |
| Net operating income to assets | 0.6230% | 4,233 |
| Return on assets (ROA) | 0.6287% | 4,267 |
| Pretax return on assets | 0.6397% | 4,467 |
| Return on Equity (ROE) | 6.0540% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.0540% | 2,347 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9305% | 1,111 |
| Assets per employee ($millions) | 5.7973% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 1,414 |
| Loan loss allowance to noncurrent loans | 34.4180% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.9045% | 487 |
| Noncurrent loans to loans | 4.1939% | 156 |
| Net loans and leases to total assets | 44.7549% | 4,669 |
| Net loans and leases to deposits | 56.6905% | 4,526 |
| Net loans and leases to core deposits | 64.0122% | 4,369 |
| Total domestic deposits to total assets | 78.9460% | 4,196 |
| Equity capital to assets | 11.2633% | 2,868 |
| Core capital (leverage) ratio | 10.8920% | 2,746 |
| Tier 1 risk-based capital ratio | 11.7194% | 4,564 |
| Total risk-based capital ratio | 12.4268% | 4,720 |
| Memoranda: | ||
| Average total assets | $158,622,500 | 3,244 |
| Average earning assets | $147,660,750 | 3,230 |
| Average equity | $16,473,500 | 3,518 |
| Average total loans | $70,794,750 | 3,805 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 4,346 |
| Cost of funding earning assets | 0.9921% | 1,733 |
| Net interest margin | 3.0220% | 4,647 |
| Noninterest income to average assets | 0.2988% | 3,944 |
| Noninterest expense to average assets | 2.2521% | 4,119 |
| Loan and lease loss provision to assets | 0.0816% | 2,207 |
| Net operating income to assets | 0.7682% | 3,762 |
| Return on assets (ROA) | 0.7670% | 3,827 |
| Pretax return on assets | 0.7821% | 4,132 |
| Return on Equity (ROE) | 7.5957% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.5957% | 1,561 |
| Net charge-offs to loans | 0.0028% | 3,071 |
| Credit loss provision to net charge-offs | 6,500.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 689.0000% | 115 |
| Efficiency ratio | 72.2513% | 1,883 |
| Assets per employee ($millions) | 5.6689% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 1,514 |
| Loan loss allowance to noncurrent loans | 27.5168% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 2.3468% | 333 |
| Noncurrent loans to loans | 5.1750% | 98 |
| Net loans and leases to total assets | 44.7026% | 4,691 |
| Net loans and leases to deposits | 59.8512% | 4,436 |
| Net loans and leases to core deposits | 68.7485% | 4,173 |
| Total domestic deposits to total assets | 74.6896% | 4,788 |
| Equity capital to assets | 10.9161% | 3,160 |
| Core capital (leverage) ratio | 10.6625% | 2,921 |
| Tier 1 risk-based capital ratio | 11.4977% | 4,687 |
| Total risk-based capital ratio | 12.1966% | 4,849 |
| Memoranda: | ||
| Average total assets | $159,321,330 | 3,258 |
| Average earning assets | $148,576,000 | 3,239 |
| Average equity | $16,088,000 | 3,566 |
| Average total loans | $70,700,000 | 3,826 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 3,986 |
| Cost of funding earning assets | 0.9675% | 1,708 |
| Net interest margin | 3.1883% | 4,409 |
| Noninterest income to average assets | 0.2656% | 4,103 |
| Noninterest expense to average assets | 2.2203% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9874% | 2,900 |
| Return on assets (ROA) | 0.9874% | 2,938 |
| Pretax return on assets | 1.0099% | 3,411 |
| Return on Equity (ROE) | 10.1884% | 2,280 |
| Retained earnings to average equity (ytd only) | 10.1884% | 989 |
| Net charge-offs to loans | 0.0057% | 2,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 403.0000% | 193 |
| Efficiency ratio | 68.7355% | 2,533 |
| Assets per employee ($millions) | 5.6478% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 1,736 |
| Loan loss allowance to noncurrent loans | 21.8331% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 2.7805% | 242 |
| Noncurrent loans to loans | 6.3445% | 70 |
| Net loans and leases to total assets | 43.2177% | 4,775 |
| Net loans and leases to deposits | 54.9712% | 4,642 |
| Net loans and leases to core deposits | 62.6969% | 4,443 |
| Total domestic deposits to total assets | 78.6188% | 4,416 |
| Equity capital to assets | 10.0981% | 3,724 |
| Core capital (leverage) ratio | 10.2141% | 3,368 |
| Tier 1 risk-based capital ratio | 11.4698% | 4,759 |
| Total risk-based capital ratio | 12.1314% | 4,932 |
| Memoranda: | ||
| Average total assets | $159,617,500 | 3,301 |
| Average earning assets | $148,417,000 | 3,283 |
| Average equity | $15,468,500 | 3,648 |
| Average total loans | $70,059,500 | 3,863 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 4,485 |
| Cost of funding earning assets | 0.7945% | 1,547 |
| Net interest margin | 3.0063% | 4,793 |
| Noninterest income to average assets | 0.2695% | 4,302 |
| Noninterest expense to average assets | 2.5018% | 3,608 |
| Loan and lease loss provision to assets | 0.0680% | 2,781 |
| Net operating income to assets | 0.4929% | 4,675 |
| Return on assets (ROA) | 0.4361% | 4,788 |
| Pretax return on assets | 0.4398% | 4,890 |
| Return on Equity (ROE) | 4.8080% | 4,502 |
| Retained earnings to average equity (ytd only) | 1.8847% | 4,398 |
| Net charge-offs to loans | 0.1943% | 991 |
| Credit loss provision to net charge-offs | 79.5620% | 2,871 |
| Earnings coverage of net charge-offs (x) | 6.6131% | 3,071 |
| Efficiency ratio | 81.5704% | 836 |
| Assets per employee ($millions) | 5.3699% | 2,089 |
| Cash dividends to net income (ytd only)* | 60.8011% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 1,804 |
| Loan loss allowance to noncurrent loans | 31.0601% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 1.9206% | 514 |
| Noncurrent loans to loans | 4.3691% | 152 |
| Net loans and leases to total assets | 43.3617% | 4,836 |
| Net loans and leases to deposits | 53.9434% | 4,751 |
| Net loans and leases to core deposits | 63.7325% | 4,456 |
| Total domestic deposits to total assets | 80.3837% | 4,017 |
| Equity capital to assets | 9.2914% | 4,327 |
| Core capital (leverage) ratio | 10.2444% | 3,310 |
| Tier 1 risk-based capital ratio | 10.5041% | 5,174 |
| Total risk-based capital ratio | 11.1253% | 5,292 |
| Memoranda: | ||
| Average total assets | $160,285,000 | 3,279 |
| Average earning assets | $149,151,200 | 3,254 |
| Average equity | $14,538,200 | 3,695 |
| Average total loans | $70,493,800 | 3,863 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 4,520 |
| Cost of funding earning assets | 0.7487% | 1,587 |
| Net interest margin | 3.0144% | 4,827 |
| Noninterest income to average assets | 0.2882% | 4,229 |
| Noninterest expense to average assets | 2.3254% | 4,035 |
| Loan and lease loss provision to assets | 0.0308% | 3,403 |
| Net operating income to assets | 0.7306% | 4,138 |
| Return on assets (ROA) | 0.6555% | 4,366 |
| Pretax return on assets | 0.6655% | 4,612 |
| Return on Equity (ROE) | 7.2713% | 3,830 |
| Retained earnings to average equity (ytd only) | 3.3446% | 4,078 |
| Net charge-offs to loans | 0.0095% | 3,081 |
| Credit loss provision to net charge-offs | 740.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 185.5022% | 464 |
| Efficiency ratio | 75.0538% | 1,457 |
| Assets per employee ($millions) | 5.2475% | 2,173 |
| Cash dividends to net income (ytd only)* | 54.0022% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 1,572 |
| Loan loss allowance to noncurrent loans | 36.1544% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.8224% | 627 |
| Noncurrent loans to loans | 3.9700% | 210 |
| Net loans and leases to total assets | 44.5371% | 4,866 |
| Net loans and leases to deposits | 54.6618% | 4,797 |
| Net loans and leases to core deposits | 64.5038% | 4,492 |
| Total domestic deposits to total assets | 81.4776% | 3,746 |
| Equity capital to assets | 8.9668% | 4,580 |
| Core capital (leverage) ratio | 10.4382% | 3,142 |
| Tier 1 risk-based capital ratio | 11.2938% | 4,899 |
| Total risk-based capital ratio | 11.9996% | 5,050 |
| Memoranda: | ||
| Average total assets | $160,082,250 | 3,303 |
| Average earning assets | $149,234,500 | 3,279 |
| Average equity | $14,430,750 | 3,732 |
| Average total loans | $70,413,500 | 3,899 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 4,380 |
| Cost of funding earning assets | 0.6891% | 1,687 |
| Net interest margin | 3.0981% | 4,731 |
| Noninterest income to average assets | 0.2957% | 4,204 |
| Noninterest expense to average assets | 2.3396% | 4,044 |
| Loan and lease loss provision to assets | 0.0460% | 2,983 |
| Net operating income to assets | 0.7844% | 3,907 |
| Return on assets (ROA) | 0.7020% | 4,192 |
| Pretax return on assets | 0.7095% | 4,485 |
| Return on Equity (ROE) | 7.7740% | 3,601 |
| Retained earnings to average equity (ytd only) | 1.9263% | 4,484 |
| Net charge-offs to loans | 0.0171% | 2,574 |
| Credit loss provision to net charge-offs | 616.6667% | 609 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 639 |
| Efficiency ratio | 73.6122% | 1,772 |
| Assets per employee ($millions) | 5.5565% | 1,837 |
| Cash dividends to net income (ytd only)* | 75.2212% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 1,521 |
| Loan loss allowance to noncurrent loans | 35.8146% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 1.8865% | 588 |
| Noncurrent loans to loans | 4.0777% | 212 |
| Net loans and leases to total assets | 44.2368% | 4,891 |
| Net loans and leases to deposits | 54.8272% | 4,811 |
| Net loans and leases to core deposits | 63.6111% | 4,515 |
| Total domestic deposits to total assets | 80.6840% | 4,081 |
| Equity capital to assets | 9.1689% | 4,413 |
| Core capital (leverage) ratio | 10.1880% | 3,373 |
| Tier 1 risk-based capital ratio | 11.4286% | 4,823 |
| Total risk-based capital ratio | 12.1520% | 4,997 |
| Memoranda: | ||
| Average total assets | $160,967,670 | 3,311 |
| Average earning assets | $149,767,670 | 3,296 |
| Average equity | $14,535,670 | 3,743 |
| Average total loans | $70,173,330 | 3,931 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5463% | 4,800 |
| Cost of funding earning assets | 0.6560% | 1,687 |
| Net interest margin | 2.8902% | 5,044 |
| Noninterest income to average assets | 0.3080% | 4,101 |
| Noninterest expense to average assets | 2.2657% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7057% | 4,078 |
| Return on assets (ROA) | 0.6721% | 4,203 |
| Pretax return on assets | 0.6892% | 4,468 |
| Return on Equity (ROE) | 7.4978% | 3,586 |
| Retained earnings to average equity (ytd only) | 2.3993% | 4,208 |
| Net charge-offs to loans | -0.0057% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7972% | 1,621 |
| Assets per employee ($millions) | 6.0845% | 1,440 |
| Cash dividends to net income (ytd only)* | 68.0000% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,682 |
| Loan loss allowance to noncurrent loans | 27.5689% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 2.2388% | 455 |
| Noncurrent loans to loans | 5.2374% | 134 |
| Net loans and leases to total assets | 41.1329% | 5,022 |
| Net loans and leases to deposits | 52.0954% | 4,877 |
| Net loans and leases to core deposits | 62.0560% | 4,548 |
| Total domestic deposits to total assets | 78.9569% | 4,588 |
| Equity capital to assets | 8.6960% | 4,826 |
| Core capital (leverage) ratio | 9.7869% | 3,771 |
| Tier 1 risk-based capital ratio | 11.0698% | 5,099 |
| Total risk-based capital ratio | 11.7521% | 5,260 |
| Memoranda: | ||
| Average total assets | $163,661,000 | 3,316 |
| Average earning assets | $151,821,500 | 3,307 |
| Average equity | $14,671,000 | 3,750 |
| Average total loans | $70,338,000 | 3,965 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6322% | 4,499 |
| Cost of funding earning assets | 0.5994% | 1,597 |
| Net interest margin | 3.0328% | 4,819 |
| Noninterest income to average assets | 0.2148% | 4,868 |
| Noninterest expense to average assets | 2.3715% | 4,152 |
| Loan and lease loss provision to assets | 0.0275% | 3,732 |
| Net operating income to assets | 0.6573% | 3,793 |
| Return on assets (ROA) | 0.6193% | 3,973 |
| Pretax return on assets | 0.6175% | 4,699 |
| Return on Equity (ROE) | 6.4919% | 3,536 |
| Retained earnings to average equity (ytd only) | -1.8732% | 5,276 |
| Net charge-offs to loans | 0.2130% | 1,219 |
| Credit loss provision to net charge-offs | 30.0000% | 3,534 |
| Earnings coverage of net charge-offs (x) | 7.4400% | 3,041 |
| Efficiency ratio | 77.6398% | 1,404 |
| Assets per employee ($millions) | 6.2708% | 1,340 |
| Cash dividends to net income (ytd only)* | 128.8538% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 1,875 |
| Loan loss allowance to noncurrent loans | 42.1210% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.4935% | 920 |
| Noncurrent loans to loans | 3.2560% | 322 |
| Net loans and leases to total assets | 43.6230% | 4,995 |
| Net loans and leases to deposits | 55.3112% | 4,835 |
| Net loans and leases to core deposits | 65.7256% | 4,428 |
| Total domestic deposits to total assets | 78.8684% | 4,570 |
| Equity capital to assets | 9.2345% | 4,493 |
| Core capital (leverage) ratio | 9.8572% | 3,626 |
| Tier 1 risk-based capital ratio | 11.2581% | 5,011 |
| Total risk-based capital ratio | 11.9551% | 5,185 |
| Memoranda: | ||
| Average total assets | $163,398,600 | 3,308 |
| Average earning assets | $152,994,400 | 3,281 |
| Average equity | $15,588,600 | 3,645 |
| Average total loans | $70,433,800 | 3,949 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 4,565 |
| Cost of funding earning assets | 0.5932% | 1,578 |
| Net interest margin | 3.0042% | 4,907 |
| Noninterest income to average assets | 0.2047% | 4,981 |
| Noninterest expense to average assets | 2.1718% | 4,585 |
| Loan and lease loss provision to assets | 0.0122% | 3,899 |
| Net operating income to assets | 0.8416% | 3,317 |
| Return on assets (ROA) | 0.9207% | 2,984 |
| Pretax return on assets | 0.9207% | 3,966 |
| Return on Equity (ROE) | 9.5746% | 2,312 |
| Retained earnings to average equity (ytd only) | 4.9273% | 2,935 |
| Net charge-offs to loans | 0.2247% | 961 |
| Credit loss provision to net charge-offs | 12.7119% | 3,207 |
| Earnings coverage of net charge-offs (x) | 8.8729% | 2,733 |
| Efficiency ratio | 71.7790% | 2,230 |
| Assets per employee ($millions) | 6.2118% | 1,368 |
| Cash dividends to net income (ytd only)* | 48.5385% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,901 |
| Loan loss allowance to noncurrent loans | 39.4821% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.5820% | 943 |
| Noncurrent loans to loans | 3.5403% | 309 |
| Net loans and leases to total assets | 43.2845% | 5,062 |
| Net loans and leases to deposits | 55.1465% | 4,914 |
| Net loans and leases to core deposits | 67.3231% | 4,402 |
| Total domestic deposits to total assets | 78.4900% | 4,628 |
| Equity capital to assets | 10.1724% | 3,724 |
| Core capital (leverage) ratio | 10.2596% | 3,245 |
| Tier 1 risk-based capital ratio | 11.6641% | 4,849 |
| Total risk-based capital ratio | 12.3501% | 5,080 |
| Memoranda: | ||
| Average total assets | $163,488,250 | 3,335 |
| Average earning assets | $153,513,500 | 3,306 |
| Average equity | $15,721,750 | 3,668 |
| Average total loans | $70,014,250 | 3,996 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5551% | 4,621 |
| Cost of funding earning assets | 0.5517% | 1,767 |
| Net interest margin | 3.0033% | 4,907 |
| Noninterest income to average assets | 0.1974% | 5,058 |
| Noninterest expense to average assets | 2.1797% | 4,601 |
| Loan and lease loss provision to assets | 0.0183% | 3,602 |
| Net operating income to assets | 0.8675% | 3,085 |
| Return on assets (ROA) | 0.9662% | 2,634 |
| Pretax return on assets | 0.9236% | 3,853 |
| Return on Equity (ROE) | 10.2415% | 1,941 |
| Retained earnings to average equity (ytd only) | 4.2619% | 3,174 |
| Net charge-offs to loans | 0.3270% | 616 |
| Credit loss provision to net charge-offs | 13.1579% | 2,827 |
| Earnings coverage of net charge-offs (x) | 6.0702% | 2,749 |
| Efficiency ratio | 72.1080% | 2,319 |
| Assets per employee ($millions) | 6.0706% | 1,401 |
| Cash dividends to net income (ytd only)* | 58.3859% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 1,832 |
| Loan loss allowance to noncurrent loans | 38.7763% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 1.5930% | 933 |
| Noncurrent loans to loans | 3.6828% | 286 |
| Net loans and leases to total assets | 41.9024% | 5,146 |
| Net loans and leases to deposits | 52.8267% | 5,023 |
| Net loans and leases to core deposits | 65.1981% | 4,526 |
| Total domestic deposits to total assets | 79.3206% | 4,553 |
| Equity capital to assets | 9.9294% | 3,992 |
| Core capital (leverage) ratio | 10.1518% | 3,334 |
| Tier 1 risk-based capital ratio | 12.5691% | 4,259 |
| Total risk-based capital ratio | 13.3226% | 4,462 |
| Memoranda: | ||
| Average total assets | $164,149,000 | 3,350 |
| Average earning assets | $154,428,000 | 3,312 |
| Average equity | $15,486,000 | 3,704 |
| Average total loans | $69,719,670 | 4,025 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5058% | 4,679 |
| Cost of funding earning assets | 0.5338% | 1,837 |
| Net interest margin | 2.9720% | 4,957 |
| Noninterest income to average assets | 0.1364% | 5,428 |
| Noninterest expense to average assets | 2.2500% | 4,533 |
| Loan and lease loss provision to assets | 0.0122% | 3,406 |
| Net operating income to assets | 0.7159% | 3,633 |
| Return on assets (ROA) | 0.7865% | 3,331 |
| Pretax return on assets | 0.7378% | 4,314 |
| Return on Equity (ROE) | 8.5611% | 2,639 |
| Retained earnings to average equity (ytd only) | 6.0431% | 2,309 |
| Net charge-offs to loans | 0.6366% | 283 |
| Credit loss provision to net charge-offs | 4.5045% | 2,258 |
| Earnings coverage of net charge-offs (x) | 2.5135% | 2,581 |
| Efficiency ratio | 76.8080% | 1,785 |
| Assets per employee ($millions) | 6.0996% | 1,423 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 1,848 |
| Loan loss allowance to noncurrent loans | 33.8937% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 1.7973% | 788 |
| Noncurrent loans to loans | 4.2955% | 228 |
| Net loans and leases to total assets | 40.6059% | 5,224 |
| Net loans and leases to deposits | 50.4927% | 5,101 |
| Net loans and leases to core deposits | 62.2932% | 4,632 |
| Total domestic deposits to total assets | 80.4193% | 4,542 |
| Equity capital to assets | 9.3012% | 4,509 |
| Core capital (leverage) ratio | 10.0183% | 3,471 |
| Tier 1 risk-based capital ratio | 12.3391% | 4,484 |
| Total risk-based capital ratio | 13.0781% | 4,738 |
| Memoranda: | ||
| Average total assets | $164,270,000 | 3,378 |
| Average earning assets | $154,373,000 | 3,343 |
| Average equity | $15,091,500 | 3,768 |
| Average total loans | $69,741,500 | 4,059 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6963% | 4,220 |
| Cost of funding earning assets | 0.4990% | 2,096 |
| Net interest margin | 3.1974% | 4,461 |
| Noninterest income to average assets | 0.3562% | 4,192 |
| Noninterest expense to average assets | 2.4733% | 4,096 |
| Loan and lease loss provision to assets | 0.0828% | 2,700 |
| Net operating income to assets | 0.7873% | 3,365 |
| Return on assets (ROA) | 0.9958% | 2,471 |
| Pretax return on assets | 1.0137% | 3,430 |
| Return on Equity (ROE) | 9.5042% | 2,193 |
| Retained earnings to average equity (ytd only) | 3.6363% | 3,332 |
| Net charge-offs to loans | 0.0966% | 2,331 |
| Credit loss provision to net charge-offs | 200.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 21.3385% | 1,793 |
| Efficiency ratio | 73.6762% | 2,328 |
| Assets per employee ($millions) | 6.0686% | 1,427 |
| Cash dividends to net income (ytd only)* | 61.7402% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 1,571 |
| Loan loss allowance to noncurrent loans | 74.2198% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8996% | 2,110 |
| Noncurrent loans to loans | 2.0580% | 866 |
| Net loans and leases to total assets | 43.0437% | 5,175 |
| Net loans and leases to deposits | 55.4849% | 4,944 |
| Net loans and leases to core deposits | 68.1489% | 4,389 |
| Total domestic deposits to total assets | 77.5773% | 5,039 |
| Equity capital to assets | 9.0722% | 4,741 |
| Core capital (leverage) ratio | 10.1310% | 3,328 |
| Tier 1 risk-based capital ratio | 11.9981% | 4,732 |
| Total risk-based capital ratio | 12.8050% | 4,927 |
| Memoranda: | ||
| Average total assets | $156,953,200 | 3,427 |
| Average earning assets | $147,307,800 | 3,400 |
| Average equity | $16,445,400 | 3,631 |
| Average total loans | $67,318,400 | 4,104 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6975% | 4,257 |
| Cost of funding earning assets | 0.4957% | 2,132 |
| Net interest margin | 3.2018% | 4,485 |
| Noninterest income to average assets | 0.4003% | 3,919 |
| Noninterest expense to average assets | 2.2650% | 4,616 |
| Loan and lease loss provision to assets | 0.0687% | 2,849 |
| Net operating income to assets | 1.0535% | 2,183 |
| Return on assets (ROA) | 1.3700% | 1,194 |
| Pretax return on assets | 1.3966% | 2,047 |
| Return on Equity (ROE) | 12.6280% | 1,141 |
| Retained earnings to average equity (ytd only) | 10.2132% | 535 |
| Net charge-offs to loans | 0.0906% | 2,059 |
| Credit loss provision to net charge-offs | 177.7778% | 1,575 |
| Earnings coverage of net charge-offs (x) | 29.5548% | 1,505 |
| Efficiency ratio | 66.4734% | 3,504 |
| Assets per employee ($millions) | 5.9424% | 1,469 |
| Cash dividends to net income (ytd only)* | 19.1225% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 1,815 |
| Loan loss allowance to noncurrent loans | 61.5741% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 1.1346% | 1,779 |
| Noncurrent loans to loans | 2.4132% | 742 |
| Net loans and leases to total assets | 45.6574% | 5,111 |
| Net loans and leases to deposits | 60.3067% | 4,737 |
| Net loans and leases to core deposits | 73.6431% | 4,029 |
| Total domestic deposits to total assets | 75.7086% | 5,265 |
| Equity capital to assets | 11.3991% | 2,600 |
| Core capital (leverage) ratio | 10.9672% | 2,480 |
| Tier 1 risk-based capital ratio | 19.0037% | 1,669 |
| Total risk-based capital ratio | 20.1959% | 1,647 |
| Memoranda: | ||
| Average total assets | $155,228,500 | 3,461 |
| Average earning assets | $145,787,750 | 3,440 |
| Average equity | $16,840,500 | 3,603 |
| Average total loans | $66,242,500 | 4,164 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 4,363 |
| Cost of funding earning assets | 0.4897% | 2,191 |
| Net interest margin | 3.1891% | 4,578 |
| Noninterest income to average assets | 0.4721% | 3,393 |
| Noninterest expense to average assets | 2.2692% | 4,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1761% | 1,681 |
| Return on assets (ROA) | 1.5090% | 921 |
| Pretax return on assets | 1.5334% | 1,573 |
| Return on Equity (ROE) | 14.1467% | 808 |
| Retained earnings to average equity (ytd only) | 11.6744% | 368 |
| Net charge-offs to loans | 0.0341% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 84.3636% | 677 |
| Efficiency ratio | 65.5275% | 3,753 |
| Assets per employee ($millions) | 5.7952% | 1,551 |
| Cash dividends to net income (ytd only)* | 17.4766% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 1,925 |
| Loan loss allowance to noncurrent loans | 66.4491% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 2,189 |
| Noncurrent loans to loans | 2.2328% | 833 |
| Net loans and leases to total assets | 43.1993% | 5,274 |
| Net loans and leases to deposits | 56.7326% | 4,968 |
| Net loans and leases to core deposits | 68.9327% | 4,407 |
| Total domestic deposits to total assets | 76.1456% | 5,267 |
| Equity capital to assets | 11.2590% | 2,792 |
| Core capital (leverage) ratio | 10.8414% | 2,604 |
| Tier 1 risk-based capital ratio | 13.1653% | 4,098 |
| Total risk-based capital ratio | 13.9709% | 4,278 |
| Memoranda: | ||
| Average total assets | $155,470,330 | 3,477 |
| Average earning assets | $145,810,670 | 3,461 |
| Average equity | $16,583,330 | 3,648 |
| Average total loans | $64,454,670 | 4,226 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 4,268 |
| Cost of funding earning assets | 0.4980% | 2,130 |
| Net interest margin | 3.2174% | 4,522 |
| Noninterest income to average assets | 0.2659% | 4,833 |
| Noninterest expense to average assets | 2.2843% | 4,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9578% | 2,471 |
| Return on assets (ROA) | 1.3448% | 1,218 |
| Pretax return on assets | 1.3783% | 1,970 |
| Return on Equity (ROE) | 12.9711% | 1,045 |
| Retained earnings to average equity (ytd only) | 11.7263% | 546 |
| Net charge-offs to loans | 0.0128% | 2,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 190.5000% | 317 |
| Efficiency ratio | 69.9052% | 3,152 |
| Assets per employee ($millions) | 5.6478% | 1,712 |
| Cash dividends to net income (ytd only)* | 9.5969% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 1,500 |
| Loan loss allowance to noncurrent loans | 113.3554% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 3,278 |
| Noncurrent loans to loans | 1.4489% | 1,633 |
| Net loans and leases to total assets | 40.3338% | 5,439 |
| Net loans and leases to deposits | 51.0089% | 5,283 |
| Net loans and leases to core deposits | 61.1594% | 4,861 |
| Total domestic deposits to total assets | 79.0721% | 4,954 |
| Equity capital to assets | 10.8564% | 3,110 |
| Core capital (leverage) ratio | 10.2552% | 3,255 |
| Tier 1 risk-based capital ratio | 13.4376% | 4,018 |
| Total risk-based capital ratio | 14.2926% | 4,159 |
| Memoranda: | ||
| Average total assets | $154,970,500 | 3,508 |
| Average earning assets | $144,588,000 | 3,491 |
| Average equity | $16,066,500 | 3,724 |
| Average total loans | $62,376,000 | 4,302 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4960% | 4,932 |
| Cost of funding earning assets | 0.4410% | 2,734 |
| Net interest margin | 3.0550% | 5,015 |
| Noninterest income to average assets | 0.2887% | 4,824 |
| Noninterest expense to average assets | 2.3803% | 4,558 |
| Loan and lease loss provision to assets | 0.0395% | 3,546 |
| Net operating income to assets | 0.7286% | 3,677 |
| Return on assets (ROA) | 0.8862% | 3,032 |
| Pretax return on assets | 0.8985% | 3,840 |
| Return on Equity (ROE) | 8.7299% | 2,612 |
| Retained earnings to average equity (ytd only) | 2.7739% | 4,099 |
| Net charge-offs to loans | 0.0460% | 3,299 |
| Credit loss provision to net charge-offs | 217.8571% | 1,303 |
| Earnings coverage of net charge-offs (x) | 42.9643% | 1,108 |
| Efficiency ratio | 75.3484% | 2,377 |
| Assets per employee ($millions) | 6.0558% | 1,341 |
| Cash dividends to net income (ytd only)* | 68.2250% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 1,460 |
| Loan loss allowance to noncurrent loans | 64.9621% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.0060% | 2,183 |
| Noncurrent loans to loans | 2.5458% | 708 |
| Net loans and leases to total assets | 38.8635% | 5,584 |
| Net loans and leases to deposits | 50.2505% | 5,379 |
| Net loans and leases to core deposits | 59.5718% | 5,009 |
| Total domestic deposits to total assets | 77.3396% | 5,265 |
| Equity capital to assets | 9.8939% | 4,077 |
| Core capital (leverage) ratio | 9.9009% | 3,642 |
| Tier 1 risk-based capital ratio | 12.5523% | 4,598 |
| Total risk-based capital ratio | 13.3766% | 4,773 |
| Memoranda: | ||
| Average total assets | $154,475,400 | 3,502 |
| Average earning assets | $145,138,800 | 3,469 |
| Average equity | $15,681,800 | 3,732 |
| Average total loans | $60,929,200 | 4,354 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4723% | 5,040 |
| Cost of funding earning assets | 0.4283% | 2,928 |
| Net interest margin | 3.0440% | 5,091 |
| Noninterest income to average assets | 0.2905% | 4,870 |
| Noninterest expense to average assets | 2.2133% | 5,022 |
| Loan and lease loss provision to assets | 0.0442% | 3,328 |
| Net operating income to assets | 0.8805% | 3,039 |
| Return on assets (ROA) | 1.0694% | 2,227 |
| Pretax return on assets | 1.0841% | 3,293 |
| Return on Equity (ROE) | 10.4659% | 1,913 |
| Retained earnings to average equity (ytd only) | 5.8823% | 2,322 |
| Net charge-offs to loans | 0.0440% | 3,015 |
| Credit loss provision to net charge-offs | 255.0000% | 1,120 |
| Earnings coverage of net charge-offs (x) | 54.0420% | 994 |
| Efficiency ratio | 70.2450% | 3,170 |
| Assets per employee ($millions) | 6.0220% | 1,358 |
| Cash dividends to net income (ytd only)* | 43.7955% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 1,507 |
| Loan loss allowance to noncurrent loans | 86.5206% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 3,006 |
| Noncurrent loans to loans | 1.9496% | 1,191 |
| Net loans and leases to total assets | 38.2301% | 5,689 |
| Net loans and leases to deposits | 48.9200% | 5,518 |
| Net loans and leases to core deposits | 57.1431% | 5,245 |
| Total domestic deposits to total assets | 78.1482% | 5,156 |
| Equity capital to assets | 10.2291% | 3,892 |
| Core capital (leverage) ratio | 10.4521% | 3,097 |
| Tier 1 risk-based capital ratio | 12.7440% | 4,582 |
| Total risk-based capital ratio | 13.5658% | 4,781 |
| Memoranda: | ||
| Average total assets | $153,731,500 | 3,545 |
| Average earning assets | $144,453,500 | 3,516 |
| Average equity | $15,707,750 | 3,764 |
| Average total loans | $60,606,500 | 4,412 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4827% | 5,034 |
| Cost of funding earning assets | 0.4096% | 3,165 |
| Net interest margin | 3.0731% | 5,031 |
| Noninterest income to average assets | 0.2775% | 4,961 |
| Noninterest expense to average assets | 2.2424% | 5,002 |
| Loan and lease loss provision to assets | 0.0209% | 3,718 |
| Net operating income to assets | 0.8887% | 2,947 |
| Return on assets (ROA) | 1.1349% | 1,906 |
| Pretax return on assets | 1.1506% | 2,969 |
| Return on Equity (ROE) | 11.1118% | 1,646 |
| Retained earnings to average equity (ytd only) | 7.6514% | 1,406 |
| Net charge-offs to loans | 0.0661% | 2,433 |
| Credit loss provision to net charge-offs | 80.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 35.2500% | 1,223 |
| Efficiency ratio | 70.8437% | 3,189 |
| Assets per employee ($millions) | 5.7525% | 1,529 |
| Cash dividends to net income (ytd only)* | 31.1419% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 1,783 |
| Loan loss allowance to noncurrent loans | 72.3559% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 2,693 |
| Noncurrent loans to loans | 2.2684% | 1,046 |
| Net loans and leases to total assets | 39.7459% | 5,647 |
| Net loans and leases to deposits | 48.6322% | 5,571 |
| Net loans and leases to core deposits | 55.1002% | 5,368 |
| Total domestic deposits to total assets | 81.7277% | 4,376 |
| Equity capital to assets | 10.3380% | 3,639 |
| Core capital (leverage) ratio | 10.3699% | 3,118 |
| Tier 1 risk-based capital ratio | 13.7281% | 4,079 |
| Total risk-based capital ratio | 14.5884% | 4,250 |
| Memoranda: | ||
| Average total assets | $152,784,330 | 3,584 |
| Average earning assets | $143,568,000 | 3,546 |
| Average equity | $15,605,000 | 3,796 |
| Average total loans | $60,513,670 | 4,446 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4502% | 5,090 |
| Cost of funding earning assets | 0.3882% | 3,431 |
| Net interest margin | 3.0619% | 5,056 |
| Noninterest income to average assets | 0.2409% | 5,244 |
| Noninterest expense to average assets | 2.2436% | 5,027 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8886% | 2,799 |
| Return on assets (ROA) | 1.3239% | 1,277 |
| Pretax return on assets | 1.3135% | 2,224 |
| Return on Equity (ROE) | 13.0386% | 1,081 |
| Retained earnings to average equity (ytd only) | 13.0386% | 441 |
| Net charge-offs to loans | 0.1321% | 1,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.9500% | 1,545 |
| Efficiency ratio | 71.8672% | 3,196 |
| Assets per employee ($millions) | 5.9121% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 1,817 |
| Loan loss allowance to noncurrent loans | 101.0352% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 3,515 |
| Noncurrent loans to loans | 1.6524% | 1,684 |
| Net loans and leases to total assets | 37.3978% | 5,755 |
| Net loans and leases to deposits | 46.0625% | 5,654 |
| Net loans and leases to core deposits | 50.8083% | 5,554 |
| Total domestic deposits to total assets | 81.1892% | 4,768 |
| Equity capital to assets | 10.4694% | 3,568 |
| Core capital (leverage) ratio | 10.1370% | 3,419 |
| Tier 1 risk-based capital ratio | 13.8194% | 4,136 |
| Total risk-based capital ratio | 14.6760% | 4,279 |
| Memoranda: | ||
| Average total assets | $154,394,000 | 3,585 |
| Average earning assets | $145,267,500 | 3,546 |
| Average equity | $15,676,500 | 3,804 |
| Average total loans | $60,551,500 | 4,480 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 4,874 |
| Cost of funding earning assets | 0.4410% | 3,258 |
| Net interest margin | 3.2310% | 4,827 |
| Noninterest income to average assets | 0.3010% | 4,966 |
| Noninterest expense to average assets | 2.4353% | 4,742 |
| Loan and lease loss provision to assets | 0.0346% | 3,902 |
| Net operating income to assets | 0.8612% | 3,058 |
| Return on assets (ROA) | 1.0791% | 2,112 |
| Pretax return on assets | 1.0625% | 3,243 |
| Return on Equity (ROE) | 11.3600% | 1,605 |
| Retained earnings to average equity (ytd only) | 5.3582% | 2,364 |
| Net charge-offs to loans | 0.0033% | 4,895 |
| Credit loss provision to net charge-offs | 2,600.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 661.5000% | 74 |
| Efficiency ratio | 73.4763% | 2,935 |
| Assets per employee ($millions) | 5.9643% | 1,403 |
| Cash dividends to net income (ytd only)* | 52.8325% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 2,127 |
| Loan loss allowance to noncurrent loans | 108.0260% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 3,790 |
| Noncurrent loans to loans | 1.4719% | 1,992 |
| Net loans and leases to total assets | 39.7522% | 5,759 |
| Net loans and leases to deposits | 49.9008% | 5,581 |
| Net loans and leases to core deposits | 55.6202% | 5,405 |
| Total domestic deposits to total assets | 79.6625% | 5,103 |
| Equity capital to assets | 9.8405% | 4,302 |
| Core capital (leverage) ratio | 10.1326% | 3,388 |
| Tier 1 risk-based capital ratio | 11.7357% | 5,522 |
| Total risk-based capital ratio | 12.5030% | 5,719 |
| Memoranda: | ||
| Average total assets | $150,492,400 | 3,627 |
| Average earning assets | $140,358,400 | 3,602 |
| Average equity | $14,295,800 | 3,978 |
| Average total loans | $59,888,400 | 4,493 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 4,922 |
| Cost of funding earning assets | 0.4477% | 3,279 |
| Net interest margin | 3.2278% | 4,868 |
| Noninterest income to average assets | 0.3035% | 5,013 |
| Noninterest expense to average assets | 2.2238% | 5,305 |
| Loan and lease loss provision to assets | 0.0375% | 3,649 |
| Net operating income to assets | 1.0704% | 2,152 |
| Return on assets (ROA) | 1.3034% | 1,419 |
| Pretax return on assets | 1.2811% | 2,451 |
| Return on Equity (ROE) | 13.8503% | 1,016 |
| Retained earnings to average equity (ytd only) | 11.8107% | 431 |
| Net charge-offs to loans | -0.0135% | 5,502 |
| Credit loss provision to net charge-offs | -700.0000% | 5,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1972% | 4,011 |
| Assets per employee ($millions) | 5.7039% | 1,558 |
| Cash dividends to net income (ytd only)* | 14.7260% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 2,209 |
| Loan loss allowance to noncurrent loans | 93.9509% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 3,666 |
| Noncurrent loans to loans | 1.7318% | 1,874 |
| Net loans and leases to total assets | 40.5257% | 5,786 |
| Net loans and leases to deposits | 51.1668% | 5,575 |
| Net loans and leases to core deposits | 57.2354% | 5,382 |
| Total domestic deposits to total assets | 79.2031% | 5,279 |
| Equity capital to assets | 10.3957% | 3,683 |
| Core capital (leverage) ratio | 10.7716% | 2,725 |
| Tier 1 risk-based capital ratio | 12.2459% | 5,334 |
| Total risk-based capital ratio | 13.0206% | 5,553 |
| Memoranda: | ||
| Average total assets | $149,347,250 | 3,666 |
| Average earning assets | $139,080,250 | 3,644 |
| Average equity | $14,054,750 | 4,036 |
| Average total loans | $59,200,250 | 4,551 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6289% | 5,071 |
| Cost of funding earning assets | 0.4493% | 3,331 |
| Net interest margin | 3.1796% | 5,011 |
| Noninterest income to average assets | 0.2685% | 5,286 |
| Noninterest expense to average assets | 2.2619% | 5,246 |
| Loan and lease loss provision to assets | 0.0294% | 3,684 |
| Net operating income to assets | 0.9700% | 2,454 |
| Return on assets (ROA) | 1.2505% | 1,507 |
| Pretax return on assets | 1.2171% | 2,588 |
| Return on Equity (ROE) | 13.7640% | 1,003 |
| Retained earnings to average equity (ytd only) | 12.2935% | 392 |
| Net charge-offs to loans | 0.0273% | 3,647 |
| Credit loss provision to net charge-offs | 275.0000% | 922 |
| Earnings coverage of net charge-offs (x) | 90.3750% | 598 |
| Efficiency ratio | 70.0745% | 3,645 |
| Assets per employee ($millions) | 5.6672% | 1,553 |
| Cash dividends to net income (ytd only)* | 10.6838% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 2,361 |
| Loan loss allowance to noncurrent loans | 127.8296% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 4,465 |
| Noncurrent loans to loans | 1.2740% | 2,676 |
| Net loans and leases to total assets | 39.3554% | 5,872 |
| Net loans and leases to deposits | 48.7811% | 5,722 |
| Net loans and leases to core deposits | 53.3482% | 5,593 |
| Total domestic deposits to total assets | 80.6776% | 5,077 |
| Equity capital to assets | 9.9860% | 4,123 |
| Core capital (leverage) ratio | 10.4038% | 3,078 |
| Tier 1 risk-based capital ratio | 11.8576% | 5,618 |
| Total risk-based capital ratio | 12.6014% | 5,825 |
| Memoranda: | ||
| Average total assets | $149,696,000 | 3,683 |
| Average earning assets | $139,324,330 | 3,663 |
| Average equity | $13,600,670 | 4,116 |
| Average total loans | $58,569,000 | 4,594 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5458% | 5,312 |
| Cost of funding earning assets | 0.4682% | 3,246 |
| Net interest margin | 3.0776% | 5,315 |
| Noninterest income to average assets | 0.2466% | 5,388 |
| Noninterest expense to average assets | 2.1634% | 5,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0393% | 2,043 |
| Return on assets (ROA) | 1.4529% | 927 |
| Pretax return on assets | 1.3548% | 1,898 |
| Return on Equity (ROE) | 16.8047% | 552 |
| Retained earnings to average equity (ytd only) | 16.8047% | 228 |
| Net charge-offs to loans | 0.0617% | 2,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 39.4444% | 883 |
| Efficiency ratio | 69.6840% | 3,882 |
| Assets per employee ($millions) | 5.7745% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 2,472 |
| Loan loss allowance to noncurrent loans | 63.9154% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 3,285 |
| Noncurrent loans to loans | 2.5970% | 1,324 |
| Net loans and leases to total assets | 36.9742% | 6,021 |
| Net loans and leases to deposits | 45.0497% | 5,915 |
| Net loans and leases to core deposits | 48.7345% | 5,839 |
| Total domestic deposits to total assets | 82.0744% | 4,918 |
| Equity capital to assets | 9.0924% | 5,009 |
| Core capital (leverage) ratio | 9.8330% | 3,815 |
| Tier 1 risk-based capital ratio | 11.3636% | 5,987 |
| Total risk-based capital ratio | 12.0727% | 6,182 |
| Memoranda: | ||
| Average total assets | $150,870,500 | 3,691 |
| Average earning assets | $140,110,000 | 3,665 |
| Average equity | $13,044,000 | 4,226 |
| Average total loans | $58,379,000 | 4,640 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 4,698 |
| Cost of funding earning assets | 0.5944% | 2,719 |
| Net interest margin | 3.2351% | 4,875 |
| Noninterest income to average assets | 0.3216% | 5,037 |
| Noninterest expense to average assets | 2.2295% | 5,557 |
| Loan and lease loss provision to assets | 0.0422% | 4,270 |
| Net operating income to assets | 1.0548% | 2,096 |
| Return on assets (ROA) | 1.2548% | 1,435 |
| Pretax return on assets | 1.2703% | 2,269 |
| Return on Equity (ROE) | 13.0972% | 1,150 |
| Retained earnings to average equity (ytd only) | 5.1786% | 2,485 |
| Net charge-offs to loans | 0.0500% | 4,525 |
| Credit loss provision to net charge-offs | 214.2857% | 1,076 |
| Earnings coverage of net charge-offs (x) | 56.3571% | 725 |
| Efficiency ratio | 66.7509% | 4,415 |
| Assets per employee ($millions) | 5.8309% | 1,381 |
| Cash dividends to net income (ytd only)* | 60.4599% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 2,892 |
| Loan loss allowance to noncurrent loans | 131.0249% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 4,800 |
| Noncurrent loans to loans | 1.1972% | 3,149 |
| Net loans and leases to total assets | 39.1566% | 6,022 |
| Net loans and leases to deposits | 48.0801% | 5,894 |
| Net loans and leases to core deposits | 55.1870% | 5,600 |
| Total domestic deposits to total assets | 81.4405% | 5,057 |
| Equity capital to assets | 8.2036% | 5,870 |
| Core capital (leverage) ratio | 9.8833% | 3,725 |
| Tier 1 risk-based capital ratio | 10.5378% | 6,354 |
| Total risk-based capital ratio | 11.2268% | 6,489 |
| Memoranda: | ||
| Average total assets | $142,096,400 | 3,843 |
| Average earning assets | $132,579,000 | 3,786 |
| Average equity | $13,613,600 | 4,143 |
| Average total loans | $56,044,400 | 4,749 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8019% | 4,852 |
| Cost of funding earning assets | 0.6151% | 2,686 |
| Net interest margin | 3.1867% | 5,036 |
| Noninterest income to average assets | 0.3273% | 5,070 |
| Noninterest expense to average assets | 2.0173% | 5,979 |
| Loan and lease loss provision to assets | 0.0573% | 3,905 |
| Net operating income to assets | 1.2273% | 1,540 |
| Return on assets (ROA) | 1.6156% | 770 |
| Pretax return on assets | 1.6308% | 1,262 |
| Return on Equity (ROE) | 16.2304% | 620 |
| Retained earnings to average equity (ytd only) | 11.1685% | 549 |
| Net charge-offs to loans | 0.0509% | 4,176 |
| Credit loss provision to net charge-offs | 285.7143% | 886 |
| Earnings coverage of net charge-offs (x) | 64.6650% | 705 |
| Efficiency ratio | 60.8871% | 5,298 |
| Assets per employee ($millions) | 5.4945% | 1,625 |
| Cash dividends to net income (ytd only)* | 31.1871% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 2,849 |
| Loan loss allowance to noncurrent loans | 125.0656% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 4,838 |
| Noncurrent loans to loans | 1.3104% | 3,220 |
| Net loans and leases to total assets | 40.0393% | 6,028 |
| Net loans and leases to deposits | 54.2943% | 5,513 |
| Net loans and leases to core deposits | 66.2555% | 4,689 |
| Total domestic deposits to total assets | 73.7451% | 6,387 |
| Equity capital to assets | 9.4003% | 4,674 |
| Core capital (leverage) ratio | 10.5174% | 2,987 |
| Tier 1 risk-based capital ratio | 11.2389% | 6,174 |
| Total risk-based capital ratio | 11.9565% | 6,359 |
| Memoranda: | ||
| Average total assets | $139,719,500 | 3,921 |
| Average earning assets | $130,914,500 | 3,866 |
| Average equity | $13,907,750 | 4,132 |
| Average total loans | $54,978,250 | 4,824 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 5,019 |
| Cost of funding earning assets | 0.6224% | 2,749 |
| Net interest margin | 3.1183% | 5,223 |
| Noninterest income to average assets | 0.3259% | 5,090 |
| Noninterest expense to average assets | 2.0494% | 5,958 |
| Loan and lease loss provision to assets | 0.0144% | 4,599 |
| Net operating income to assets | 1.1327% | 1,805 |
| Return on assets (ROA) | 1.6369% | 761 |
| Pretax return on assets | 1.7191% | 1,076 |
| Return on Equity (ROE) | 16.1367% | 649 |
| Retained earnings to average equity (ytd only) | 9.3408% | 1,013 |
| Net charge-offs to loans | 0.0556% | 3,902 |
| Credit loss provision to net charge-offs | 66.6667% | 2,897 |
| Earnings coverage of net charge-offs (x) | 55.6000% | 741 |
| Efficiency ratio | 63.0155% | 5,015 |
| Assets per employee ($millions) | 5.5804% | 1,513 |
| Cash dividends to net income (ytd only)* | 42.1145% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 2,991 |
| Loan loss allowance to noncurrent loans | 144.2857% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4559% | 5,134 |
| Noncurrent loans to loans | 1.1406% | 3,648 |
| Net loans and leases to total assets | 38.9387% | 6,113 |
| Net loans and leases to deposits | 52.5810% | 5,637 |
| Net loans and leases to core deposits | 61.6096% | 5,135 |
| Total domestic deposits to total assets | 74.0547% | 6,440 |
| Equity capital to assets | 9.4073% | 4,711 |
| Core capital (leverage) ratio | 10.5496% | 2,818 |
| Tier 1 risk-based capital ratio | 11.1381% | 6,273 |
| Total risk-based capital ratio | 11.8403% | 6,452 |
| Memoranda: | ||
| Average total assets | $138,673,670 | 3,978 |
| Average earning assets | $130,133,000 | 3,903 |
| Average equity | $14,067,330 | 4,136 |
| Average total loans | $53,920,330 | 4,886 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 5,034 |
| Cost of funding earning assets | 0.6411% | 2,735 |
| Net interest margin | 3.0944% | 5,278 |
| Noninterest income to average assets | 0.3154% | 5,171 |
| Noninterest expense to average assets | 2.1236% | 5,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0485% | 2,046 |
| Return on assets (ROA) | 1.7851% | 540 |
| Pretax return on assets | 1.8719% | 772 |
| Return on Equity (ROE) | 16.9750% | 511 |
| Retained earnings to average equity (ytd only) | 9.9869% | 1,109 |
| Net charge-offs to loans | 0.1427% | 2,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 19.9474% | 1,200 |
| Efficiency ratio | 65.9479% | 4,670 |
| Assets per employee ($millions) | 5.5623% | 1,609 |
| Cash dividends to net income (ytd only)* | 41.1669% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 2,873 |
| Loan loss allowance to noncurrent loans | 143.2000% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 5,238 |
| Noncurrent loans to loans | 1.2088% | 3,749 |
| Net loans and leases to total assets | 36.5375% | 6,257 |
| Net loans and leases to deposits | 45.8755% | 6,063 |
| Net loans and leases to core deposits | 53.6924% | 5,692 |
| Total domestic deposits to total assets | 79.6450% | 5,833 |
| Equity capital to assets | 10.5439% | 3,497 |
| Core capital (leverage) ratio | 10.4097% | 2,893 |
| Tier 1 risk-based capital ratio | 11.1511% | 6,340 |
| Total risk-based capital ratio | 11.8576% | 6,520 |
| Memoranda: | ||
| Average total assets | $138,256,000 | 4,016 |
| Average earning assets | $129,784,000 | 3,946 |
| Average equity | $14,539,000 | 4,083 |
| Average total loans | $53,264,500 | 4,942 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 5,309 |
| Cost of funding earning assets | 0.8800% | 2,069 |
| Net interest margin | 3.1188% | 5,769 |
| Noninterest income to average assets | 0.3628% | 4,886 |
| Noninterest expense to average assets | 2.2960% | 5,701 |
| Loan and lease loss provision to assets | 0.0526% | 5,151 |
| Net operating income to assets | 0.8994% | 2,822 |
| Return on assets (ROA) | 1.3955% | 1,220 |
| Pretax return on assets | 1.4481% | 1,860 |
| Return on Equity (ROE) | 12.3745% | 1,397 |
| Retained earnings to average equity (ytd only) | 5.4670% | 2,401 |
| Net charge-offs to loans | 0.0019% | 5,964 |
| Credit loss provision to net charge-offs | 6,800.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 1,272.0000% | 23 |
| Efficiency ratio | 70.0000% | 3,816 |
| Assets per employee ($millions) | 5.4982% | 1,686 |
| Cash dividends to net income (ytd only)* | 55.8204% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 3,054 |
| Loan loss allowance to noncurrent loans | 158.6806% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 5,423 |
| Noncurrent loans to loans | 1.0506% | 4,104 |
| Net loans and leases to total assets | 39.2216% | 6,218 |
| Net loans and leases to deposits | 54.1144% | 5,638 |
| Net loans and leases to core deposits | 61.7294% | 5,183 |
| Total domestic deposits to total assets | 72.4790% | 6,661 |
| Equity capital to assets | 10.4878% | 3,541 |
| Core capital (leverage) ratio | 10.3949% | 2,890 |
| Tier 1 risk-based capital ratio | 10.7888% | 6,435 |
| Total risk-based capital ratio | 11.5053% | 6,598 |
| Memoranda: | ||
| Average total assets | $129,270,800 | 4,157 |
| Average earning assets | $120,913,000 | 4,094 |
| Average equity | $14,578,400 | 4,044 |
| Average total loans | $51,469,800 | 5,046 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 5,445 |
| Cost of funding earning assets | 0.9106% | 2,104 |
| Net interest margin | 3.1137% | 5,908 |
| Noninterest income to average assets | 0.3437% | 5,061 |
| Noninterest expense to average assets | 2.1578% | 6,040 |
| Loan and lease loss provision to assets | 0.0273% | 5,440 |
| Net operating income to assets | 1.0335% | 2,352 |
| Return on assets (ROA) | 1.5489% | 1,049 |
| Pretax return on assets | 1.6034% | 1,567 |
| Return on Equity (ROE) | 13.4799% | 1,226 |
| Retained earnings to average equity (ytd only) | 12.3033% | 485 |
| Net charge-offs to loans | -0.0158% | 6,448 |
| Credit loss provision to net charge-offs | -433.3333% | 6,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2484% | 4,407 |
| Assets per employee ($millions) | 5.1688% | 1,969 |
| Cash dividends to net income (ytd only)* | 8.7282% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 3,303 |
| Loan loss allowance to noncurrent loans | 105.2695% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 5,038 |
| Noncurrent loans to loans | 1.5746% | 3,429 |
| Net loans and leases to total assets | 40.3572% | 6,253 |
| Net loans and leases to deposits | 54.7926% | 5,735 |
| Net loans and leases to core deposits | 64.6229% | 5,088 |
| Total domestic deposits to total assets | 73.6544% | 6,626 |
| Equity capital to assets | 11.9818% | 2,274 |
| Core capital (leverage) ratio | 11.0179% | 2,362 |
| Tier 1 risk-based capital ratio | 11.6840% | 6,126 |
| Total risk-based capital ratio | 12.4014% | 6,391 |
| Memoranda: | ||
| Average total assets | $127,224,750 | 4,246 |
| Average earning assets | $119,039,750 | 4,176 |
| Average equity | $14,619,000 | 4,072 |
| Average total loans | $50,630,750 | 5,143 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 5,593 |
| Cost of funding earning assets | 0.9257% | 2,219 |
| Net interest margin | 3.0935% | 6,026 |
| Noninterest income to average assets | 0.3540% | 5,003 |
| Noninterest expense to average assets | 2.2061% | 5,992 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0135% | 2,407 |
| Return on assets (ROA) | 1.5913% | 953 |
| Pretax return on assets | 1.6324% | 1,447 |
| Return on Equity (ROE) | 14.0535% | 1,102 |
| Retained earnings to average equity (ytd only) | 14.0535% | 343 |
| Net charge-offs to loans | -0.0763% | 6,792 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0312% | 4,117 |
| Assets per employee ($millions) | 5.4228% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 3,103 |
| Loan loss allowance to noncurrent loans | 121.2885% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 5,366 |
| Noncurrent loans to loans | 1.4280% | 3,775 |
| Net loans and leases to total assets | 37.7530% | 6,502 |
| Net loans and leases to deposits | 50.6567% | 6,135 |
| Net loans and leases to core deposits | 60.1712% | 5,569 |
| Total domestic deposits to total assets | 74.5271% | 6,632 |
| Equity capital to assets | 11.5247% | 2,568 |
| Core capital (leverage) ratio | 10.7752% | 2,510 |
| Tier 1 risk-based capital ratio | 11.8869% | 6,001 |
| Total risk-based capital ratio | 12.6236% | 6,269 |
| Memoranda: | ||
| Average total assets | $126,559,330 | 4,279 |
| Average earning assets | $118,185,000 | 4,215 |
| Average equity | $14,331,000 | 4,131 |
| Average total loans | $49,831,330 | 5,208 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8642% | 6,105 |
| Cost of funding earning assets | 0.9455% | 2,337 |
| Net interest margin | 2.9187% | 6,457 |
| Noninterest income to average assets | 0.3623% | 4,980 |
| Noninterest expense to average assets | 2.2378% | 5,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8540% | 3,136 |
| Return on assets (ROA) | 1.6030% | 961 |
| Pretax return on assets | 1.6126% | 1,534 |
| Return on Equity (ROE) | 14.2888% | 1,128 |
| Retained earnings to average equity (ytd only) | 14.2888% | 536 |
| Net charge-offs to loans | 0.0080% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 130 |
| Efficiency ratio | 72.3316% | 3,375 |
| Assets per employee ($millions) | 5.0968% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 3,121 |
| Loan loss allowance to noncurrent loans | 55.1140% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.2314% | 4,079 |
| Noncurrent loans to loans | 3.1954% | 2,013 |
| Net loans and leases to total assets | 37.0369% | 6,550 |
| Net loans and leases to deposits | 49.8837% | 6,150 |
| Net loans and leases to core deposits | 55.8287% | 5,917 |
| Total domestic deposits to total assets | 74.2464% | 6,724 |
| Equity capital to assets | 11.1310% | 2,775 |
| Core capital (leverage) ratio | 10.4820% | 2,774 |
| Tier 1 risk-based capital ratio | 11.8696% | 6,042 |
| Total risk-based capital ratio | 12.6152% | 6,334 |
| Memoranda: | ||
| Average total assets | $124,766,000 | 4,345 |
| Average earning assets | $116,765,000 | 4,278 |
| Average equity | $13,997,000 | 4,204 |
| Average total loans | $49,747,000 | 5,237 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 5,425 |
| Cost of funding earning assets | 1.1850% | 2,132 |
| Net interest margin | 3.2151% | 6,045 |
| Noninterest income to average assets | 0.3939% | 4,665 |
| Noninterest expense to average assets | 2.3668% | 5,856 |
| Loan and lease loss provision to assets | 0.1006% | 5,331 |
| Net operating income to assets | 0.8685% | 2,743 |
| Return on assets (ROA) | 1.1951% | 1,632 |
| Pretax return on assets | 1.2225% | 2,381 |
| Return on Equity (ROE) | 10.4274% | 1,902 |
| Retained earnings to average equity (ytd only) | -1.7693% | 6,126 |
| Net charge-offs to loans | 0.1340% | 5,075 |
| Credit loss provision to net charge-offs | 175.3623% | 1,501 |
| Earnings coverage of net charge-offs (x) | 17.2609% | 1,281 |
| Efficiency ratio | 70.5125% | 3,842 |
| Assets per employee ($millions) | 4.8845% | 2,338 |
| Cash dividends to net income (ytd only)* | 116.9680% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 3,393 |
| Loan loss allowance to noncurrent loans | 63.3034% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 4,405 |
| Noncurrent loans to loans | 2.6003% | 2,514 |
| Net loans and leases to total assets | 41.4444% | 6,424 |
| Net loans and leases to deposits | 57.0763% | 5,792 |
| Net loans and leases to core deposits | 64.5762% | 5,406 |
| Total domestic deposits to total assets | 72.6123% | 6,838 |
| Equity capital to assets | 11.3100% | 2,678 |
| Core capital (leverage) ratio | 10.6159% | 2,602 |
| Tier 1 risk-based capital ratio | 12.2188% | 5,675 |
| Total risk-based capital ratio | 13.0170% | 5,967 |
| Memoranda: | ||
| Average total assets | $120,329,000 | 4,392 |
| Average earning assets | $110,883,400 | 4,373 |
| Average equity | $13,790,600 | 4,161 |
| Average total loans | $51,498,600 | 5,215 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 5,266 |
| Cost of funding earning assets | 1.2291% | 2,133 |
| Net interest margin | 3.2658% | 5,963 |
| Noninterest income to average assets | 0.3859% | 4,766 |
| Noninterest expense to average assets | 2.2343% | 6,205 |
| Loan and lease loss provision to assets | 0.1346% | 4,751 |
| Net operating income to assets | 1.0026% | 2,309 |
| Return on assets (ROA) | 1.3001% | 1,466 |
| Pretax return on assets | 1.3201% | 2,219 |
| Return on Equity (ROE) | 11.3063% | 1,757 |
| Retained earnings to average equity (ytd only) | 2.2922% | 4,975 |
| Net charge-offs to loans | 0.0518% | 5,460 |
| Credit loss provision to net charge-offs | 605.0000% | 445 |
| Earnings coverage of net charge-offs (x) | 51.7424% | 629 |
| Efficiency ratio | 65.9987% | 4,719 |
| Assets per employee ($millions) | 4.8074% | 2,462 |
| Cash dividends to net income (ytd only)* | 79.7264% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 3,174 |
| Loan loss allowance to noncurrent loans | 85.3333% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8828% | 4,974 |
| Noncurrent loans to loans | 2.0260% | 3,333 |
| Net loans and leases to total assets | 42.3763% | 6,477 |
| Net loans and leases to deposits | 58.4824% | 5,798 |
| Net loans and leases to core deposits | 65.7229% | 5,441 |
| Total domestic deposits to total assets | 72.4600% | 6,900 |
| Equity capital to assets | 12.2020% | 2,098 |
| Core capital (leverage) ratio | 11.2971% | 2,166 |
| Tier 1 risk-based capital ratio | 12.3697% | 5,607 |
| Total risk-based capital ratio | 13.1939% | 5,918 |
| Memoranda: | ||
| Average total assets | $119,883,000 | 4,431 |
| Average earning assets | $110,106,750 | 4,418 |
| Average equity | $13,785,500 | 4,168 |
| Average total loans | $51,509,250 | 5,252 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5630% | 5,124 |
| Cost of funding earning assets | 1.2398% | 2,324 |
| Net interest margin | 3.3232% | 5,793 |
| Noninterest income to average assets | 0.3907% | 4,755 |
| Noninterest expense to average assets | 2.2424% | 6,265 |
| Loan and lease loss provision to assets | 0.0668% | 5,471 |
| Net operating income to assets | 1.1621% | 1,686 |
| Return on assets (ROA) | 1.4710% | 1,001 |
| Pretax return on assets | 1.4426% | 1,688 |
| Return on Equity (ROE) | 13.0593% | 1,187 |
| Retained earnings to average equity (ytd only) | -0.7560% | 6,007 |
| Net charge-offs to loans | 0.0817% | 4,824 |
| Credit loss provision to net charge-offs | 190.4762% | 1,584 |
| Earnings coverage of net charge-offs (x) | 34.2381% | 837 |
| Efficiency ratio | 65.1309% | 5,038 |
| Assets per employee ($millions) | 5.0093% | 2,110 |
| Cash dividends to net income (ytd only)* | 105.7889% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 3,694 |
| Loan loss allowance to noncurrent loans | 117.6301% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 5,747 |
| Noncurrent loans to loans | 1.3601% | 4,379 |
| Net loans and leases to total assets | 41.6430% | 6,617 |
| Net loans and leases to deposits | 57.0745% | 6,044 |
| Net loans and leases to core deposits | 63.8116% | 5,744 |
| Total domestic deposits to total assets | 72.9625% | 6,928 |
| Equity capital to assets | 11.6218% | 2,391 |
| Core capital (leverage) ratio | 11.0067% | 2,241 |
| Tier 1 risk-based capital ratio | 12.8045% | 5,089 |
| Total risk-based capital ratio | 13.5966% | 5,457 |
| Memoranda: | ||
| Average total assets | $119,782,330 | 4,458 |
| Average earning assets | $110,014,330 | 4,445 |
| Average equity | $13,492,330 | 4,228 |
| Average total loans | $51,403,670 | 5,304 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 4,645 |
| Cost of funding earning assets | 1.2541% | 2,479 |
| Net interest margin | 3.4160% | 5,367 |
| Noninterest income to average assets | 0.3078% | 5,465 |
| Noninterest expense to average assets | 2.2950% | 6,201 |
| Loan and lease loss provision to assets | 0.1137% | 4,594 |
| Net operating income to assets | 1.1040% | 1,830 |
| Return on assets (ROA) | 1.3817% | 1,143 |
| Pretax return on assets | 1.3114% | 2,009 |
| Return on Equity (ROE) | 12.4656% | 1,334 |
| Retained earnings to average equity (ytd only) | -9.6284% | 6,849 |
| Net charge-offs to loans | 0.0619% | 4,304 |
| Credit loss provision to net charge-offs | 425.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 42.8750% | 652 |
| Efficiency ratio | 66.6667% | 4,911 |
| Assets per employee ($millions) | 5.1620% | 1,944 |
| Cash dividends to net income (ytd only)* | 177.2397% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 3,685 |
| Loan loss allowance to noncurrent loans | 76.7290% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.8839% | 5,140 |
| Noncurrent loans to loans | 2.1001% | 3,445 |
| Net loans and leases to total assets | 40.4620% | 6,746 |
| Net loans and leases to deposits | 54.2311% | 6,273 |
| Net loans and leases to core deposits | 60.7782% | 6,040 |
| Total domestic deposits to total assets | 74.6103% | 6,843 |
| Equity capital to assets | 10.6281% | 3,058 |
| Core capital (leverage) ratio | 10.6431% | 2,479 |
| Tier 1 risk-based capital ratio | 12.8470% | 4,947 |
| Total risk-based capital ratio | 13.6652% | 5,320 |
| Memoranda: | ||
| Average total assets | $119,562,500 | 4,494 |
| Average earning assets | $109,718,500 | 4,481 |
| Average equity | $13,252,500 | 4,279 |
| Average total loans | $51,666,500 | 5,341 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 5,109 |
| Cost of funding earning assets | 1.4399% | 3,019 |
| Net interest margin | 3.4409% | 5,473 |
| Noninterest income to average assets | 0.4372% | 4,612 |
| Noninterest expense to average assets | 2.4486% | 5,950 |
| Loan and lease loss provision to assets | 0.0533% | 6,620 |
| Net operating income to assets | 1.0873% | 1,734 |
| Return on assets (ROA) | 1.4596% | 901 |
| Pretax return on assets | 1.5093% | 1,348 |
| Return on Equity (ROE) | 11.4002% | 1,480 |
| Retained earnings to average equity (ytd only) | -0.5926% | 5,728 |
| Net charge-offs to loans | 0.2160% | 4,997 |
| Credit loss provision to net charge-offs | 53.1532% | 6,217 |
| Earnings coverage of net charge-offs (x) | 11.7568% | 1,578 |
| Efficiency ratio | 67.5050% | 4,668 |
| Assets per employee ($millions) | 4.6094% | 2,688 |
| Cash dividends to net income (ytd only)* | 105.1980% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 3,912 |
| Loan loss allowance to noncurrent loans | 82.6403% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8365% | 5,326 |
| Noncurrent loans to loans | 1.8364% | 3,771 |
| Net loans and leases to total assets | 44.7681% | 6,654 |
| Net loans and leases to deposits | 63.5153% | 5,680 |
| Net loans and leases to core deposits | 69.4287% | 5,501 |
| Total domestic deposits to total assets | 70.4841% | 7,209 |
| Equity capital to assets | 11.5745% | 2,200 |
| Core capital (leverage) ratio | 11.5067% | 1,829 |
| Tier 1 risk-based capital ratio | 13.5518% | 4,163 |
| Total risk-based capital ratio | 14.3673% | 4,471 |
| Memoranda: | ||
| Average total assets | $110,714,400 | 4,697 |
| Average earning assets | $102,646,600 | 4,653 |
| Average equity | $14,175,200 | 4,109 |
| Average total loans | $51,383,600 | 5,431 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 5,105 |
| Cost of funding earning assets | 1.4661% | 3,175 |
| Net interest margin | 3.4690% | 5,418 |
| Noninterest income to average assets | 0.4015% | 4,946 |
| Noninterest expense to average assets | 2.3178% | 6,263 |
| Loan and lease loss provision to assets | 0.0584% | 6,484 |
| Net operating income to assets | 1.2051% | 1,577 |
| Return on assets (ROA) | 1.6571% | 733 |
| Pretax return on assets | 1.7070% | 1,103 |
| Return on Equity (ROE) | 12.6244% | 1,352 |
| Retained earnings to average equity (ytd only) | -3.1330% | 6,368 |
| Net charge-offs to loans | 0.1799% | 4,876 |
| Credit loss provision to net charge-offs | 69.5652% | 5,432 |
| Earnings coverage of net charge-offs (x) | 15.4778% | 1,437 |
| Efficiency ratio | 64.0767% | 5,224 |
| Assets per employee ($millions) | 4.6988% | 2,598 |
| Cash dividends to net income (ytd only)* | 124.8168% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 3,643 |
| Loan loss allowance to noncurrent loans | 96.4953% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 5,553 |
| Noncurrent loans to loans | 1.6310% | 4,201 |
| Net loans and leases to total assets | 45.8070% | 6,712 |
| Net loans and leases to deposits | 64.1144% | 5,902 |
| Net loans and leases to core deposits | 72.8785% | 5,418 |
| Total domestic deposits to total assets | 71.4457% | 7,185 |
| Equity capital to assets | 12.7205% | 1,735 |
| Core capital (leverage) ratio | 11.5818% | 1,892 |
| Tier 1 risk-based capital ratio | 13.2730% | 4,370 |
| Total risk-based capital ratio | 14.1192% | 4,666 |
| Memoranda: | ||
| Average total assets | $109,584,000 | 4,781 |
| Average earning assets | $101,583,750 | 4,741 |
| Average equity | $14,384,500 | 4,115 |
| Average total loans | $51,133,500 | 5,525 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 5,200 |
| Cost of funding earning assets | 1.4609% | 3,488 |
| Net interest margin | 3.4835% | 5,308 |
| Noninterest income to average assets | 0.3538% | 5,319 |
| Noninterest expense to average assets | 2.3313% | 6,271 |
| Loan and lease loss provision to assets | 0.0700% | 6,250 |
| Net operating income to assets | 1.1666% | 1,655 |
| Return on assets (ROA) | 1.6181% | 751 |
| Pretax return on assets | 1.6476% | 1,173 |
| Return on Equity (ROE) | 12.1964% | 1,403 |
| Retained earnings to average equity (ytd only) | 12.1964% | 464 |
| Net charge-offs to loans | 0.0987% | 5,159 |
| Credit loss provision to net charge-offs | 152.0000% | 2,581 |
| Earnings coverage of net charge-offs (x) | 27.2800% | 981 |
| Efficiency ratio | 64.9718% | 5,155 |
| Assets per employee ($millions) | 4.6556% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 3,162 |
| Loan loss allowance to noncurrent loans | 73.6932% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.0552% | 5,030 |
| Noncurrent loans to loans | 2.2762% | 3,398 |
| Net loans and leases to total assets | 45.1148% | 6,842 |
| Net loans and leases to deposits | 63.4754% | 6,093 |
| Net loans and leases to core deposits | 72.7665% | 5,590 |
| Total domestic deposits to total assets | 71.0744% | 7,260 |
| Equity capital to assets | 13.3020% | 1,437 |
| Core capital (leverage) ratio | 12.8140% | 1,276 |
| Tier 1 risk-based capital ratio | 15.5848% | 2,851 |
| Total risk-based capital ratio | 16.5305% | 2,979 |
| Memoranda: | ||
| Average total assets | $108,521,670 | 4,848 |
| Average earning assets | $100,759,670 | 4,787 |
| Average equity | $14,397,670 | 4,116 |
| Average total loans | $50,683,670 | 5,577 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9953% | 5,041 |
| Cost of funding earning assets | 1.4491% | 3,886 |
| Net interest margin | 3.5462% | 4,963 |
| Noninterest income to average assets | 0.3479% | 5,359 |
| Noninterest expense to average assets | 2.4019% | 6,076 |
| Loan and lease loss provision to assets | 0.0374% | 6,303 |
| Net operating income to assets | 1.2421% | 1,424 |
| Return on assets (ROA) | 1.7809% | 567 |
| Pretax return on assets | 1.7434% | 980 |
| Return on Equity (ROE) | 13.4416% | 1,163 |
| Retained earnings to average equity (ytd only) | 13.4416% | 566 |
| Net charge-offs to loans | 0.1826% | 3,827 |
| Credit loss provision to net charge-offs | 43.4783% | 4,581 |
| Earnings coverage of net charge-offs (x) | 14.4348% | 1,431 |
| Efficiency ratio | 65.9138% | 5,133 |
| Assets per employee ($millions) | 4.7151% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6961% | 3,074 |
| Loan loss allowance to noncurrent loans | 100.1200% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.8041% | 5,549 |
| Noncurrent loans to loans | 1.6941% | 4,203 |
| Net loans and leases to total assets | 44.5725% | 6,945 |
| Net loans and leases to deposits | 63.1077% | 6,157 |
| Net loans and leases to core deposits | 70.5819% | 5,866 |
| Total domestic deposits to total assets | 70.6292% | 7,371 |
| Equity capital to assets | 13.3852% | 1,370 |
| Core capital (leverage) ratio | 12.6365% | 1,353 |
| Tier 1 risk-based capital ratio | 15.6624% | 2,799 |
| Total risk-based capital ratio | 16.6109% | 2,890 |
| Memoranda: | ||
| Average total assets | $106,915,000 | 4,954 |
| Average earning assets | $99,373,000 | 4,896 |
| Average equity | $14,165,000 | 4,207 |
| Average total loans | $50,391,000 | 5,653 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5001% | 4,143 |
| Cost of funding earning assets | 1.5709% | 5,177 |
| Net interest margin | 3.9292% | 3,160 |
| Noninterest income to average assets | 0.3065% | 5,896 |
| Noninterest expense to average assets | 2.7279% | 5,258 |
| Loan and lease loss provision to assets | 0.0193% | 7,309 |
| Net operating income to assets | 1.2112% | 1,222 |
| Return on assets (ROA) | 1.5201% | 689 |
| Pretax return on assets | 1.5587% | 1,057 |
| Return on Equity (ROE) | 11.3957% | 1,322 |
| Retained earnings to average equity (ytd only) | 3.4469% | 2,754 |
| Net charge-offs to loans | 0.2630% | 4,979 |
| Credit loss provision to net charge-offs | 15.0376% | 6,958 |
| Earnings coverage of net charge-offs (x) | 9.8496% | 1,750 |
| Efficiency ratio | 68.3575% | 4,952 |
| Assets per employee ($millions) | 4.3909% | 3,128 |
| Cash dividends to net income (ytd only)* | 69.7527% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 3,119 |
| Loan loss allowance to noncurrent loans | 111.0092% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 5,661 |
| Noncurrent loans to loans | 1.4784% | 4,452 |
| Net loans and leases to total assets | 48.1705% | 6,798 |
| Net loans and leases to deposits | 69.9205% | 5,614 |
| Net loans and leases to core deposits | 85.3217% | 5,589 |
| Total domestic deposits to total assets | 68.8932% | 7,495 |
| Equity capital to assets | 13.1085% | 1,466 |
| Core capital (leverage) ratio | 12.6759% | 1,363 |
| Tier 1 risk-based capital ratio | 15.0604% | 2,909 |
| Total risk-based capital ratio | 16.0198% | 3,018 |
| Memoranda: | ||
| Average total assets | $103,742,200 | 4,990 |
| Average earning assets | $97,271,600 | 4,913 |
| Average equity | $13,838,600 | 4,302 |
| Average total loans | $50,575,200 | 5,642 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5539% | 4,131 |
| Cost of funding earning assets | 1.5974% | 5,414 |
| Net interest margin | 3.9565% | 3,006 |
| Noninterest income to average assets | 0.2658% | 6,328 |
| Noninterest expense to average assets | 2.6129% | 5,671 |
| Loan and lease loss provision to assets | 0.0065% | 7,254 |
| Net operating income to assets | 1.3412% | 1,138 |
| Return on assets (ROA) | 1.6877% | 608 |
| Pretax return on assets | 1.7200% | 935 |
| Return on Equity (ROE) | 12.5965% | 1,206 |
| Retained earnings to average equity (ytd only) | 10.6705% | 519 |
| Net charge-offs to loans | 0.3789% | 3,757 |
| Credit loss provision to net charge-offs | 3.4965% | 6,648 |
| Earnings coverage of net charge-offs (x) | 7.4406% | 2,405 |
| Efficiency ratio | 65.5552% | 5,447 |
| Assets per employee ($millions) | 4.1211% | 3,526 |
| Cash dividends to net income (ytd only)* | 15.2905% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 3,051 |
| Loan loss allowance to noncurrent loans | 103.3962% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 5,578 |
| Noncurrent loans to loans | 1.5333% | 4,347 |
| Net loans and leases to total assets | 49.5263% | 6,819 |
| Net loans and leases to deposits | 71.4060% | 5,749 |
| Net loans and leases to core deposits | 87.0974% | 5,742 |
| Total domestic deposits to total assets | 69.3588% | 7,464 |
| Equity capital to assets | 14.3854% | 1,175 |
| Core capital (leverage) ratio | 13.6469% | 1,189 |
| Tier 1 risk-based capital ratio | 20.0167% | 1,555 |
| Total risk-based capital ratio | 21.1982% | 1,519 |
| Memoranda: | ||
| Average total assets | $103,332,250 | 5,037 |
| Average earning assets | $97,154,750 | 4,953 |
| Average equity | $13,844,750 | 4,325 |
| Average total loans | $50,316,500 | 5,701 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6088% | 4,029 |
| Cost of funding earning assets | 1.6201% | 5,669 |
| Net interest margin | 3.9888% | 2,747 |
| Noninterest income to average assets | 0.2514% | 6,486 |
| Noninterest expense to average assets | 2.6220% | 5,648 |
| Loan and lease loss provision to assets | 0.0097% | 7,111 |
| Net operating income to assets | 1.3253% | 1,174 |
| Return on assets (ROA) | 1.5972% | 751 |
| Pretax return on assets | 1.6764% | 1,058 |
| Return on Equity (ROE) | 12.2195% | 1,356 |
| Retained earnings to average equity (ytd only) | 12.2195% | 410 |
| Net charge-offs to loans | 0.3453% | 3,458 |
| Credit loss provision to net charge-offs | 5.8140% | 6,214 |
| Earnings coverage of net charge-offs (x) | 8.4186% | 2,263 |
| Efficiency ratio | 65.1923% | 5,676 |
| Assets per employee ($millions) | 4.1164% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 2,160 |
| Loan loss allowance to noncurrent loans | 146.9900% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 5,948 |
| Noncurrent loans to loans | 1.1953% | 4,824 |
| Net loans and leases to total assets | 47.7592% | 7,055 |
| Net loans and leases to deposits | 66.8967% | 6,310 |
| Net loans and leases to core deposits | 80.6528% | 6,348 |
| Total domestic deposits to total assets | 71.3925% | 7,315 |
| Equity capital to assets | 13.2135% | 1,602 |
| Core capital (leverage) ratio | 13.2408% | 1,351 |
| Tier 1 risk-based capital ratio | 20.3590% | 1,511 |
| Total risk-based capital ratio | 21.6094% | 1,468 |
| Memoranda: | ||
| Average total assets | $103,433,670 | 5,064 |
| Average earning assets | $97,774,670 | 4,959 |
| Average equity | $13,519,330 | 4,417 |
| Average total loans | $49,806,000 | 5,776 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7284% | 3,654 |
| Cost of funding earning assets | 1.6800% | 5,695 |
| Net interest margin | 4.0484% | 2,459 |
| Noninterest income to average assets | 0.1967% | 6,887 |
| Noninterest expense to average assets | 2.9124% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0531% | 2,125 |
| Return on assets (ROA) | 1.0531% | 2,256 |
| Pretax return on assets | 1.0955% | 3,000 |
| Return on Equity (ROE) | 8.1009% | 3,099 |
| Retained earnings to average equity (ytd only) | 8.1009% | 1,774 |
| Net charge-offs to loans | 0.2334% | 3,241 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 9.7931% | 2,021 |
| Efficiency ratio | 72.6660% | 4,070 |
| Assets per employee ($millions) | 4.3638% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 1,597 |
| Loan loss allowance to noncurrent loans | 127.1858% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 5,410 |
| Noncurrent loans to loans | 1.5037% | 4,035 |
| Net loans and leases to total assets | 45.5916% | 7,222 |
| Net loans and leases to deposits | 63.1066% | 6,641 |
| Net loans and leases to core deposits | 75.4484% | 6,714 |
| Total domestic deposits to total assets | 72.2454% | 7,171 |
| Equity capital to assets | 12.9960% | 1,746 |
| Core capital (leverage) ratio | 12.7118% | 1,597 |
| Tier 1 risk-based capital ratio | 19.7633% | 1,663 |
| Total risk-based capital ratio | 21.0148% | 1,616 |
| Memoranda: | ||
| Average total assets | $103,695,500 | 5,078 |
| Average earning assets | $97,618,500 | 4,981 |
| Average equity | $13,480,000 | 4,456 |
| Average total loans | $49,695,000 | 5,809 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3934% | 3,452 |
| Cost of funding earning assets | 2.4599% | 4,424 |
| Net interest margin | 3.9335% | 3,425 |
| Noninterest income to average assets | 0.4865% | 4,732 |
| Noninterest expense to average assets | 2.8135% | 4,764 |
| Loan and lease loss provision to assets | 0.1755% | 5,148 |
| Net operating income to assets | 1.2911% | 1,509 |
| Return on assets (ROA) | 1.3858% | 1,211 |
| Pretax return on assets | 1.3340% | 2,190 |
| Return on Equity (ROE) | 11.4275% | 1,780 |
| Retained earnings to average equity (ytd only) | 11.4275% | 278 |
| Net charge-offs to loans | -0.0744% | 8,061 |
| Credit loss provision to net charge-offs | -502.8571% | 7,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5409% | 5,016 |
| Assets per employee ($millions) | 4.2775% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 1,434 |
| Loan loss allowance to noncurrent loans | 97.2644% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.0150% | 4,291 |
| Noncurrent loans to loans | 1.9464% | 2,839 |
| Net loans and leases to total assets | 48.4614% | 7,153 |
| Net loans and leases to deposits | 67.7756% | 6,484 |
| Net loans and leases to core deposits | 81.3493% | 6,510 |
| Total domestic deposits to total assets | 71.5027% | 7,086 |
| Equity capital to assets | 13.0032% | 1,786 |
| Core capital (leverage) ratio | 12.4736% | 1,766 |
| Tier 1 risk-based capital ratio | 19.5853% | 1,688 |
| Total risk-based capital ratio | 20.8382% | 1,643 |
| Memoranda: | ||
| Average total assets | $100,301,200 | 5,037 |
| Average earning assets | $95,411,200 | 4,939 |
| Average equity | $12,163,600 | 4,789 |
| Average total loans | $47,044,400 | 5,822 |