Home > Cayuga Lake National Bank > Performance and Condition Ratios
Cayuga Lake National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 3,550 |
| Cost of funding earning assets | 1.4410% | 2,102 |
| Net interest margin | 2.7986% | 3,667 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.3022% | 2,848 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.4899% | 3,687 |
| Return on assets (ROA) | 0.4899% | 3,687 |
| Pretax return on assets | 0.5152% | 3,779 |
| Return on Equity (ROE) | 7.5400% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.5419% | 1,683 |
| Net charge-offs to loans | 0.0277% | 1,752 |
| Credit loss provision to net charge-offs | 644.8980% | 561 |
| Earnings coverage of net charge-offs (x) | 35.0612% | 1,524 |
| Efficiency ratio | 78.2339% | 1,050 |
| Assets per employee ($millions) | 8.2781% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 1,878 |
| Loan loss allowance to noncurrent loans | 609.1371% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,615 |
| Noncurrent loans to loans | 0.2101% | 2,470 |
| Net loans and leases to total assets | 63.9100% | 2,469 |
| Net loans and leases to deposits | 70.4835% | 2,850 |
| Net loans and leases to core deposits | 81.5373% | 2,619 |
| Total domestic deposits to total assets | 90.6700% | 586 |
| Equity capital to assets | 6.5823% | 4,089 |
| Core capital (leverage) ratio | 9.1404% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7351% | 1,129 |
| Memoranda: | ||
| Average total assets | $268,220,000 | 2,581 |
| Average earning assets | $256,703,400 | 2,533 |
| Average equity | $17,422,600 | 3,058 |
| Average total loans | $176,599,400 | 2,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 3,535 |
| Cost of funding earning assets | 1.2754% | 2,210 |
| Net interest margin | 2.8873% | 3,576 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.3917% | 2,537 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.4799% | 3,801 |
| Return on assets (ROA) | 0.4799% | 3,808 |
| Pretax return on assets | 0.5321% | 3,856 |
| Return on Equity (ROE) | 7.4100% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.4148% | 2,172 |
| Net charge-offs to loans | 0.0153% | 1,847 |
| Credit loss provision to net charge-offs | 675.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 60.2000% | 1,203 |
| Efficiency ratio | 79.6587% | 876 |
| Assets per employee ($millions) | 7.5572% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,112 |
| Loan loss allowance to noncurrent loans | 342.0091% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 2,046 |
| Noncurrent loans to loans | 0.3650% | 1,923 |
| Net loans and leases to total assets | 65.3300% | 2,308 |
| Net loans and leases to deposits | 71.0365% | 2,772 |
| Net loans and leases to core deposits | 82.3598% | 2,445 |
| Total domestic deposits to total assets | 91.9700% | 456 |
| Equity capital to assets | 5.8094% | 4,047 |
| Core capital (leverage) ratio | 9.4102% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7325% | 1,148 |
| Memoranda: | ||
| Average total assets | $262,842,000 | 2,612 |
| Average earning assets | $251,113,250 | 2,567 |
| Average equity | $17,010,500 | 3,083 |
| Average total loans | $173,858,500 | 2,497 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 3,458 |
| Cost of funding earning assets | 1.1367% | 2,175 |
| Net interest margin | 2.9792% | 3,483 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.4514% | 2,347 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.4951% | 3,820 |
| Return on assets (ROA) | 0.4951% | 3,826 |
| Pretax return on assets | 0.5559% | 3,875 |
| Return on Equity (ROE) | 7.3900% | 3,389 |
| Retained earnings to average equity (ytd only) | 7.3856% | 2,167 |
| Net charge-offs to loans | 0.0233% | 1,416 |
| Credit loss provision to net charge-offs | 520.0000% | 635 |
| Earnings coverage of net charge-offs (x) | 41.8000% | 1,380 |
| Efficiency ratio | 79.2040% | 891 |
| Assets per employee ($millions) | 7.2279% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 2,030 |
| Loan loss allowance to noncurrent loans | 257.0766% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 1,596 |
| Noncurrent loans to loans | 0.4964% | 1,467 |
| Net loans and leases to total assets | 65.8800% | 2,170 |
| Net loans and leases to deposits | 70.9776% | 2,718 |
| Net loans and leases to core deposits | 84.5873% | 2,173 |
| Total domestic deposits to total assets | 92.8200% | 280 |
| Equity capital to assets | 6.8020% | 3,885 |
| Core capital (leverage) ratio | 9.4244% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1715% | 1,090 |
| Memoranda: | ||
| Average total assets | $259,769,333 | 2,635 |
| Average earning assets | $248,254,000 | 2,591 |
| Average equity | $17,412,333 | 3,069 |
| Average total loans | $171,817,667 | 2,509 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0475% | 3,363 |
| Cost of funding earning assets | 1.0095% | 2,012 |
| Net interest margin | 3.0381% | 3,503 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.4704% | 2,322 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.5194% | 3,848 |
| Return on assets (ROA) | 0.5194% | 3,808 |
| Pretax return on assets | 0.5856% | 3,866 |
| Return on Equity (ROE) | 7.8100% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.8059% | 2,275 |
| Net charge-offs to loans | 0.0047% | 1,797 |
| Credit loss provision to net charge-offs | 2,700.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 217.0000% | 483 |
| Efficiency ratio | 78.6942% | 936 |
| Assets per employee ($millions) | 7.0653% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 2,135 |
| Loan loss allowance to noncurrent loans | 237.2421% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 1,460 |
| Noncurrent loans to loans | 0.5387% | 1,375 |
| Net loans and leases to total assets | 64.5600% | 2,196 |
| Net loans and leases to deposits | 69.5470% | 2,652 |
| Net loans and leases to core deposits | 85.9665% | 1,865 |
| Total domestic deposits to total assets | 92.8300% | 339 |
| Equity capital to assets | 6.8255% | 3,899 |
| Core capital (leverage) ratio | 9.2030% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4836% | 1,267 |
| Memoranda: | ||
| Average total assets | $259,552,500 | 2,670 |
| Average earning assets | $248,052,500 | 2,625 |
| Average equity | $17,269,000 | 3,110 |
| Average total loans | $170,907,000 | 2,536 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 2,610 |
| Cost of funding earning assets | 0.3800% | 2,258 |
| Net interest margin | 3.2907% | 2,590 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.2683% | 2,838 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 0.7560% | 3,467 |
| Return on assets (ROA) | 0.7553% | 3,410 |
| Pretax return on assets | 0.8455% | 3,497 |
| Return on Equity (ROE) | 10.3700% | 2,690 |
| Retained earnings to average equity (ytd only) | 10.3684% | 1,049 |
| Net charge-offs to loans | 0.1915% | 427 |
| Credit loss provision to net charge-offs | 245.5738% | 1,005 |
| Earnings coverage of net charge-offs (x) | 9.2852% | 2,229 |
| Efficiency ratio | 66.3458% | 2,175 |
| Assets per employee ($millions) | 7.3626% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,161 |
| Loan loss allowance to noncurrent loans | 231.5961% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 1,376 |
| Noncurrent loans to loans | 0.5391% | 1,369 |
| Net loans and leases to total assets | 65.4700% | 2,094 |
| Net loans and leases to deposits | 70.2769% | 2,562 |
| Net loans and leases to core deposits | 88.9066% | 1,559 |
| Total domestic deposits to total assets | 93.1600% | 373 |
| Equity capital to assets | 6.4787% | 3,906 |
| Core capital (leverage) ratio | 9.4408% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2419% | 1,305 |
| Memoranda: | ||
| Average total assets | $246,134,800 | 2,752 |
| Average earning assets | $235,241,800 | 2,702 |
| Average equity | $17,929,400 | 3,129 |
| Average total loans | $159,229,200 | 2,543 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5657% | 2,433 |
| Cost of funding earning assets | 0.2592% | 2,613 |
| Net interest margin | 3.3066% | 2,273 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.3235% | 2,559 |
| Loan and lease loss provision to assets | 0.3400% | 190 |
| Net operating income to assets | 0.6658% | 3,655 |
| Return on assets (ROA) | 0.6649% | 3,618 |
| Pretax return on assets | 0.7597% | 3,670 |
| Return on Equity (ROE) | 8.8700% | 3,073 |
| Retained earnings to average equity (ytd only) | 8.8677% | 1,695 |
| Net charge-offs to loans | 0.1313% | 492 |
| Credit loss provision to net charge-offs | 405.8442% | 695 |
| Earnings coverage of net charge-offs (x) | 13.0714% | 1,897 |
| Efficiency ratio | 67.8023% | 2,055 |
| Assets per employee ($millions) | 7.6622% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 2,013 |
| Loan loss allowance to noncurrent loans | 206.5966% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 1,269 |
| Noncurrent loans to loans | 0.6310% | 1,287 |
| Net loans and leases to total assets | 64.7100% | 2,013 |
| Net loans and leases to deposits | 68.9891% | 2,455 |
| Net loans and leases to core deposits | 84.8946% | 1,590 |
| Total domestic deposits to total assets | 93.8000% | 393 |
| Equity capital to assets | 5.8801% | 4,007 |
| Core capital (leverage) ratio | 9.2459% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0961% | 1,402 |
| Memoranda: | ||
| Average total assets | $243,246,000 | 2,789 |
| Average earning assets | $232,540,500 | 2,741 |
| Average equity | $18,238,000 | 3,142 |
| Average total loans | $156,323,750 | 2,578 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4960% | 2,161 |
| Cost of funding earning assets | 0.1523% | 3,541 |
| Net interest margin | 3.3437% | 1,781 |
| Noninterest income to average assets | 0.2658% | 3,579 |
| Noninterest expense to average assets | 2.3287% | 2,463 |
| Loan and lease loss provision to assets | 0.3249% | 198 |
| Net operating income to assets | 0.7102% | 3,278 |
| Return on assets (ROA) | 0.7065% | 3,242 |
| Pretax return on assets | 0.8090% | 3,301 |
| Return on Equity (ROE) | 8.7597% | 2,768 |
| Retained earnings to average equity (ytd only) | 8.7597% | 1,355 |
| Net charge-offs to loans | 0.1972% | 328 |
| Credit loss provision to net charge-offs | 258.2781% | 858 |
| Earnings coverage of net charge-offs (x) | 9.0464% | 1,802 |
| Efficiency ratio | 67.1714% | 2,359 |
| Assets per employee ($millions) | 7.3340% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,669 |
| Loan loss allowance to noncurrent loans | 270.3081% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 1,766 |
| Noncurrent loans to loans | 0.4446% | 1,789 |
| Net loans and leases to total assets | 65.5597% | 1,753 |
| Net loans and leases to deposits | 72.1433% | 2,014 |
| Net loans and leases to core deposits | 85.8241% | 1,348 |
| Total domestic deposits to total assets | 90.8744% | 1,290 |
| Equity capital to assets | 6.9411% | 3,802 |
| Core capital (leverage) ratio | 9.4103% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3290% | 1,352 |
| Memoranda: | ||
| Average total assets | $240,043,333 | 2,825 |
| Average earning assets | $229,804,667 | 2,796 |
| Average equity | $19,361,333 | 3,118 |
| Average total loans | $153,171,333 | 2,610 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4921% | 1,836 |
| Cost of funding earning assets | 0.1343% | 3,713 |
| Net interest margin | 3.3577% | 1,419 |
| Noninterest income to average assets | 0.2560% | 3,608 |
| Noninterest expense to average assets | 2.2823% | 2,568 |
| Loan and lease loss provision to assets | 0.3581% | 160 |
| Net operating income to assets | 0.7690% | 2,780 |
| Return on assets (ROA) | 0.7613% | 2,800 |
| Pretax return on assets | 0.8283% | 3,018 |
| Return on Equity (ROE) | 8.8168% | 2,385 |
| Retained earnings to average equity (ytd only) | 8.8168% | 1,324 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6400% | 2,810 |
| Assets per employee ($millions) | 7.7580% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 2,598 |
| Loan loss allowance to noncurrent loans | 306.6023% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 2,114 |
| Noncurrent loans to loans | 0.4080% | 2,029 |
| Net loans and leases to total assets | 62.5036% | 1,796 |
| Net loans and leases to deposits | 68.1760% | 2,139 |
| Net loans and leases to core deposits | 81.0538% | 1,418 |
| Total domestic deposits to total assets | 91.6798% | 707 |
| Equity capital to assets | 8.0204% | 3,551 |
| Core capital (leverage) ratio | 9.3954% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1031% | 1,232 |
| Memoranda: | ||
| Average total assets | $239,054,000 | 2,851 |
| Average earning assets | $229,320,500 | 2,814 |
| Average equity | $20,642,500 | 3,089 |
| Average total loans | $149,457,500 | 2,633 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3899% | 2,950 |
| Cost of funding earning assets | 0.1380% | 4,085 |
| Net interest margin | 3.2519% | 2,460 |
| Noninterest income to average assets | 0.2600% | 3,820 |
| Noninterest expense to average assets | 2.2407% | 2,966 |
| Loan and lease loss provision to assets | 0.4183% | 153 |
| Net operating income to assets | 0.6950% | 3,642 |
| Return on assets (ROA) | 0.8467% | 3,263 |
| Pretax return on assets | 0.8888% | 3,536 |
| Return on Equity (ROE) | 8.5992% | 3,051 |
| Retained earnings to average equity (ytd only) | 8.5992% | 1,316 |
| Net charge-offs to loans | 0.0286% | 1,667 |
| Credit loss provision to net charge-offs | 2,378.9474% | 275 |
| Earnings coverage of net charge-offs (x) | 65.2632% | 1,126 |
| Efficiency ratio | 66.1341% | 2,241 |
| Assets per employee ($millions) | 8.1956% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 3,121 |
| Loan loss allowance to noncurrent loans | 259.6006% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 2,181 |
| Noncurrent loans to loans | 0.4438% | 2,026 |
| Net loans and leases to total assets | 61.0086% | 2,056 |
| Net loans and leases to deposits | 67.5665% | 2,346 |
| Net loans and leases to core deposits | 78.5649% | 1,716 |
| Total domestic deposits to total assets | 90.2942% | 817 |
| Equity capital to assets | 9.1807% | 3,440 |
| Core capital (leverage) ratio | 9.3566% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0287% | 1,037 |
| Memoranda: | ||
| Average total assets | $216,137,400 | 2,938 |
| Average earning assets | $207,911,000 | 2,896 |
| Average equity | $21,281,000 | 3,115 |
| Average total loans | $133,046,400 | 2,814 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 3,071 |
| Cost of funding earning assets | 0.1367% | 4,216 |
| Net interest margin | 3.2748% | 2,495 |
| Noninterest income to average assets | 0.2632% | 3,827 |
| Noninterest expense to average assets | 2.2187% | 3,010 |
| Loan and lease loss provision to assets | 0.4389% | 140 |
| Net operating income to assets | 0.6466% | 3,909 |
| Return on assets (ROA) | 0.8294% | 3,510 |
| Pretax return on assets | 0.9724% | 3,539 |
| Return on Equity (ROE) | 8.2660% | 3,328 |
| Retained earnings to average equity (ytd only) | 8.2660% | 1,966 |
| Net charge-offs to loans | 0.0226% | 1,593 |
| Credit loss provision to net charge-offs | 3,154.5455% | 229 |
| Earnings coverage of net charge-offs (x) | 85.9545% | 943 |
| Efficiency ratio | 64.9685% | 2,251 |
| Assets per employee ($millions) | 7.6296% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,593 |
| Loan loss allowance to noncurrent loans | 220.1767% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 2,287 |
| Noncurrent loans to loans | 0.4847% | 2,101 |
| Net loans and leases to total assets | 60.5494% | 2,190 |
| Net loans and leases to deposits | 67.3740% | 2,501 |
| Net loans and leases to core deposits | 78.9040% | 1,826 |
| Total domestic deposits to total assets | 89.8706% | 823 |
| Equity capital to assets | 9.4819% | 3,391 |
| Core capital (leverage) ratio | 9.7144% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8940% | 1,151 |
| Memoranda: | ||
| Average total assets | $210,753,500 | 3,009 |
| Average earning assets | $202,835,250 | 2,963 |
| Average equity | $21,146,250 | 3,158 |
| Average total loans | $129,635,250 | 2,896 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3142% | 3,385 |
| Cost of funding earning assets | 0.1367% | 4,302 |
| Net interest margin | 3.1775% | 2,822 |
| Noninterest income to average assets | 0.2687% | 3,794 |
| Noninterest expense to average assets | 2.1123% | 3,353 |
| Loan and lease loss provision to assets | 0.5217% | 100 |
| Net operating income to assets | 0.5773% | 4,029 |
| Return on assets (ROA) | 0.6927% | 3,845 |
| Pretax return on assets | 0.8402% | 3,792 |
| Return on Equity (ROE) | 6.7651% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.7651% | 2,516 |
| Net charge-offs to loans | 0.0349% | 1,299 |
| Credit loss provision to net charge-offs | 2,427.2727% | 253 |
| Earnings coverage of net charge-offs (x) | 56.8182% | 996 |
| Efficiency ratio | 63.3646% | 2,513 |
| Assets per employee ($millions) | 7.3130% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,866 |
| Loan loss allowance to noncurrent loans | 206.3369% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 2,387 |
| Noncurrent loans to loans | 0.4780% | 2,239 |
| Net loans and leases to total assets | 63.1964% | 2,043 |
| Net loans and leases to deposits | 70.9480% | 2,318 |
| Net loans and leases to core deposits | 78.5545% | 1,999 |
| Total domestic deposits to total assets | 89.0743% | 1,246 |
| Equity capital to assets | 10.0732% | 2,787 |
| Core capital (leverage) ratio | 9.9721% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3163% | 908 |
| Memoranda: | ||
| Average total assets | $204,708,333 | 3,060 |
| Average earning assets | $197,452,667 | 3,004 |
| Average equity | $20,960,667 | 3,165 |
| Average total loans | $126,151,667 | 2,948 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 2,799 |
| Cost of funding earning assets | 0.1401% | 4,383 |
| Net interest margin | 3.4042% | 2,098 |
| Noninterest income to average assets | 0.0199% | 4,904 |
| Noninterest expense to average assets | 1.9858% | 3,765 |
| Loan and lease loss provision to assets | 0.5253% | 119 |
| Net operating income to assets | 0.6462% | 3,818 |
| Return on assets (ROA) | 0.6527% | 3,881 |
| Pretax return on assets | 0.8039% | 3,805 |
| Return on Equity (ROE) | 6.3200% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.3200% | 2,789 |
| Net charge-offs to loans | 0.0296% | 1,193 |
| Credit loss provision to net charge-offs | 2,933.3333% | 188 |
| Earnings coverage of net charge-offs (x) | 73.7778% | 737 |
| Efficiency ratio | 60.0481% | 3,027 |
| Assets per employee ($millions) | 8.2122% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8415% | 4,320 |
| Loan loss allowance to noncurrent loans | 160.8048% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 2,507 |
| Noncurrent loans to loans | 0.5233% | 2,287 |
| Net loans and leases to total assets | 61.9310% | 2,294 |
| Net loans and leases to deposits | 69.2237% | 2,580 |
| Net loans and leases to core deposits | 75.9079% | 2,365 |
| Total domestic deposits to total assets | 89.4650% | 1,088 |
| Equity capital to assets | 10.0226% | 2,685 |
| Core capital (leverage) ratio | 10.1221% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1097% | 776 |
| Memoranda: | ||
| Average total assets | $201,024,000 | 3,083 |
| Average earning assets | $194,112,000 | 3,021 |
| Average equity | $20,759,500 | 3,173 |
| Average total loans | $121,547,500 | 3,002 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 3,679 |
| Cost of funding earning assets | 0.3424% | 3,912 |
| Net interest margin | 3.3169% | 3,027 |
| Noninterest income to average assets | 0.2559% | 3,952 |
| Noninterest expense to average assets | 2.5685% | 2,643 |
| Loan and lease loss provision to assets | 0.2548% | 1,523 |
| Net operating income to assets | 0.5545% | 3,889 |
| Return on assets (ROA) | 0.7389% | 3,426 |
| Pretax return on assets | 0.8280% | 3,558 |
| Return on Equity (ROE) | 8.2407% | 2,716 |
| Retained earnings to average equity (ytd only) | 5.0001% | 2,268 |
| Net charge-offs to loans | 0.0359% | 2,335 |
| Credit loss provision to net charge-offs | 1,282.8571% | 650 |
| Earnings coverage of net charge-offs (x) | 44.0857% | 1,308 |
| Efficiency ratio | 74.5757% | 1,380 |
| Assets per employee ($millions) | 7.8658% | 1,084 |
| Cash dividends to net income (ytd only)* | 39.3241% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7165% | 4,562 |
| Loan loss allowance to noncurrent loans | 113.8313% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 2,508 |
| Noncurrent loans to loans | 0.6294% | 2,118 |
| Net loans and leases to total assets | 57.9954% | 3,086 |
| Net loans and leases to deposits | 65.3534% | 3,330 |
| Net loans and leases to core deposits | 72.0222% | 3,072 |
| Total domestic deposits to total assets | 88.7411% | 1,096 |
| Equity capital to assets | 10.6181% | 2,576 |
| Core capital (leverage) ratio | 10.5714% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4089% | 728 |
| Memoranda: | ||
| Average total assets | $176,212,600 | 3,140 |
| Average earning assets | $169,375,400 | 3,076 |
| Average equity | $15,799,600 | 3,577 |
| Average total loans | $97,379,200 | 3,273 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5854% | 4,050 |
| Cost of funding earning assets | 0.4078% | 3,773 |
| Net interest margin | 3.1777% | 3,548 |
| Noninterest income to average assets | 0.2532% | 3,959 |
| Noninterest expense to average assets | 2.4933% | 2,875 |
| Loan and lease loss provision to assets | 0.1636% | 2,365 |
| Net operating income to assets | 0.5392% | 3,928 |
| Return on assets (ROA) | 0.7753% | 3,299 |
| Pretax return on assets | 0.9288% | 3,297 |
| Return on Equity (ROE) | 9.1214% | 2,346 |
| Retained earnings to average equity (ytd only) | 4.4278% | 2,838 |
| Net charge-offs to loans | 0.0387% | 2,077 |
| Credit loss provision to net charge-offs | 777.7778% | 1,000 |
| Earnings coverage of net charge-offs (x) | 38.4074% | 1,393 |
| Efficiency ratio | 75.5251% | 1,246 |
| Assets per employee ($millions) | 7.7717% | 1,089 |
| Cash dividends to net income (ytd only)* | 51.4573% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5297% | 4,790 |
| Loan loss allowance to noncurrent loans | 85.3237% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 2,660 |
| Noncurrent loans to loans | 0.6208% | 2,249 |
| Net loans and leases to total assets | 59.6989% | 3,259 |
| Net loans and leases to deposits | 65.5700% | 3,654 |
| Net loans and leases to core deposits | 72.6483% | 3,420 |
| Total domestic deposits to total assets | 91.0460% | 161 |
| Equity capital to assets | 8.2130% | 4,629 |
| Core capital (leverage) ratio | 8.0099% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9715% | 1,505 |
| Memoranda: | ||
| Average total assets | $171,119,250 | 3,166 |
| Average earning assets | $164,142,250 | 3,111 |
| Average equity | $14,544,250 | 3,695 |
| Average total loans | $93,007,000 | 3,367 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5616% | 4,331 |
| Cost of funding earning assets | 0.4854% | 3,621 |
| Net interest margin | 3.0761% | 3,953 |
| Noninterest income to average assets | 0.2530% | 3,961 |
| Noninterest expense to average assets | 2.4111% | 3,233 |
| Loan and lease loss provision to assets | 0.1325% | 2,691 |
| Net operating income to assets | 0.5948% | 3,759 |
| Return on assets (ROA) | 0.7615% | 3,292 |
| Pretax return on assets | 0.8398% | 3,476 |
| Return on Equity (ROE) | 8.8478% | 2,423 |
| Retained earnings to average equity (ytd only) | 1.6800% | 3,879 |
| Net charge-offs to loans | 0.0161% | 2,415 |
| Credit loss provision to net charge-offs | 1,571.4286% | 582 |
| Earnings coverage of net charge-offs (x) | 93.5714% | 724 |
| Efficiency ratio | 75.3389% | 1,328 |
| Assets per employee ($millions) | 7.7117% | 1,083 |
| Cash dividends to net income (ytd only)* | 81.0127% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5006% | 4,832 |
| Loan loss allowance to noncurrent loans | 73.3906% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 2,786 |
| Noncurrent loans to loans | 0.6821% | 2,167 |
| Net loans and leases to total assets | 55.0897% | 3,773 |
| Net loans and leases to deposits | 60.4480% | 4,091 |
| Net loans and leases to core deposits | 65.2974% | 4,008 |
| Total domestic deposits to total assets | 91.1357% | 127 |
| Equity capital to assets | 8.0938% | 4,673 |
| Core capital (leverage) ratio | 8.2580% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6527% | 1,330 |
| Memoranda: | ||
| Average total assets | $165,985,333 | 3,192 |
| Average earning assets | $159,031,667 | 3,142 |
| Average equity | $14,286,000 | 3,727 |
| Average total loans | $86,694,667 | 3,475 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6575% | 4,457 |
| Cost of funding earning assets | 0.5833% | 3,516 |
| Net interest margin | 3.0742% | 4,148 |
| Noninterest income to average assets | 0.2787% | 3,852 |
| Noninterest expense to average assets | 2.5211% | 3,210 |
| Loan and lease loss provision to assets | 0.1406% | 1,982 |
| Net operating income to assets | 0.5549% | 3,724 |
| Return on assets (ROA) | 0.6418% | 3,535 |
| Pretax return on assets | 0.6418% | 3,836 |
| Return on Equity (ROE) | 7.2028% | 2,866 |
| Retained earnings to average equity (ytd only) | -7.4898% | 4,665 |
| Net charge-offs to loans | 0.0051% | 2,393 |
| Credit loss provision to net charge-offs | 5,500.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 262 |
| Efficiency ratio | 78.3784% | 1,294 |
| Assets per employee ($millions) | 6.2860% | 1,467 |
| Cash dividends to net income (ytd only)* | 203.9841% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5684% | 4,803 |
| Loan loss allowance to noncurrent loans | 703.0303% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 4,398 |
| Noncurrent loans to loans | 0.0809% | 4,187 |
| Net loans and leases to total assets | 51.6487% | 4,141 |
| Net loans and leases to deposits | 56.8660% | 4,334 |
| Net loans and leases to core deposits | 62.4291% | 4,259 |
| Total domestic deposits to total assets | 90.8253% | 129 |
| Equity capital to assets | 8.6624% | 4,765 |
| Core capital (leverage) ratio | 8.9873% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6516% | 906 |
| Memoranda: | ||
| Average total assets | $156,438,000 | 3,251 |
| Average earning assets | $149,502,500 | 3,202 |
| Average equity | $13,939,000 | 3,776 |
| Average total loans | $78,805,500 | 3,603 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 4,689 |
| Cost of funding earning assets | 0.6213% | 3,551 |
| Net interest margin | 3.0691% | 4,418 |
| Noninterest income to average assets | 0.2951% | 3,919 |
| Noninterest expense to average assets | 2.5308% | 3,367 |
| Loan and lease loss provision to assets | 0.0197% | 3,628 |
| Net operating income to assets | 0.6109% | 4,126 |
| Return on assets (ROA) | 0.6151% | 4,175 |
| Pretax return on assets | 0.6743% | 4,268 |
| Return on Equity (ROE) | 7.1417% | 3,503 |
| Retained earnings to average equity (ytd only) | 3.3267% | 3,346 |
| Net charge-offs to loans | 0.0168% | 3,114 |
| Credit loss provision to net charge-offs | 250.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 87.4167% | 747 |
| Efficiency ratio | 78.5918% | 1,084 |
| Assets per employee ($millions) | 7.0785% | 1,012 |
| Cash dividends to net income (ytd only)* | 53.4188% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5396% | 4,839 |
| Loan loss allowance to noncurrent loans | 694.9153% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 4,451 |
| Noncurrent loans to loans | 0.0777% | 4,216 |
| Net loans and leases to total assets | 48.5282% | 4,401 |
| Net loans and leases to deposits | 53.6970% | 4,544 |
| Net loans and leases to core deposits | 58.8165% | 4,491 |
| Total domestic deposits to total assets | 90.3741% | 222 |
| Equity capital to assets | 9.1603% | 4,606 |
| Core capital (leverage) ratio | 9.2969% | 4,286 |
| Tier 1 risk-based capital ratio | 19.8127% | 1,350 |
| Total risk-based capital ratio | 20.4483% | 1,443 |
| Memoranda: | ||
| Average total assets | $152,167,000 | 3,266 |
| Average earning assets | $145,024,200 | 3,220 |
| Average equity | $13,106,200 | 3,881 |
| Average total loans | $71,323,600 | 3,751 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6953% | 4,788 |
| Cost of funding earning assets | 0.6128% | 3,629 |
| Net interest margin | 3.0825% | 4,505 |
| Noninterest income to average assets | 0.3005% | 3,939 |
| Noninterest expense to average assets | 2.3347% | 3,865 |
| Loan and lease loss provision to assets | 0.0176% | 3,559 |
| Net operating income to assets | 0.8044% | 3,661 |
| Return on assets (ROA) | 0.8100% | 3,724 |
| Pretax return on assets | 0.8893% | 3,910 |
| Return on Equity (ROE) | 9.5603% | 2,641 |
| Retained earnings to average equity (ytd only) | 4.3588% | 3,218 |
| Net charge-offs to loans | 0.0133% | 2,897 |
| Credit loss provision to net charge-offs | 285.7143% | 980 |
| Earnings coverage of net charge-offs (x) | 146.0482% | 553 |
| Efficiency ratio | 72.1602% | 1,811 |
| Assets per employee ($millions) | 6.4102% | 1,323 |
| Cash dividends to net income (ytd only)* | 54.4071% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5510% | 4,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 47.5176% | 4,524 |
| Net loans and leases to deposits | 52.7671% | 4,679 |
| Net loans and leases to core deposits | 57.7378% | 4,625 |
| Total domestic deposits to total assets | 90.0516% | 275 |
| Equity capital to assets | 8.9149% | 4,820 |
| Core capital (leverage) ratio | 9.5360% | 4,132 |
| Tier 1 risk-based capital ratio | 20.5533% | 1,269 |
| Total risk-based capital ratio | 21.2062% | 1,340 |
| Memoranda: | ||
| Average total assets | $151,277,250 | 3,313 |
| Average earning assets | $144,033,500 | 3,263 |
| Average equity | $12,816,500 | 3,940 |
| Average total loans | $70,159,250 | 3,812 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6545% | 4,876 |
| Cost of funding earning assets | 0.5886% | 3,711 |
| Net interest margin | 3.0659% | 4,592 |
| Noninterest income to average assets | 0.2672% | 4,150 |
| Noninterest expense to average assets | 2.3201% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7460% | 3,848 |
| Return on assets (ROA) | 0.7632% | 3,843 |
| Pretax return on assets | 0.8829% | 3,898 |
| Return on Equity (ROE) | 9.1715% | 2,784 |
| Retained earnings to average equity (ytd only) | 1.1824% | 4,383 |
| Net charge-offs to loans | 0.0203% | 2,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 92.7143% | 732 |
| Efficiency ratio | 72.8906% | 1,792 |
| Assets per employee ($millions) | 7.2530% | 901 |
| Cash dividends to net income (ytd only)* | 87.1080% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5485% | 4,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 45.7079% | 4,651 |
| Net loans and leases to deposits | 50.6165% | 4,784 |
| Net loans and leases to core deposits | 55.5437% | 4,726 |
| Total domestic deposits to total assets | 90.3022% | 239 |
| Equity capital to assets | 8.6394% | 4,988 |
| Core capital (leverage) ratio | 9.1997% | 4,458 |
| Tier 1 risk-based capital ratio | 20.8974% | 1,192 |
| Total risk-based capital ratio | 21.5461% | 1,262 |
| Memoranda: | ||
| Average total assets | $150,421,670 | 3,345 |
| Average earning assets | $143,057,670 | 3,293 |
| Average equity | $12,517,000 | 3,980 |
| Average total loans | $69,043,000 | 3,855 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6305% | 4,934 |
| Cost of funding earning assets | 0.5492% | 3,828 |
| Net interest margin | 3.0812% | 4,616 |
| Noninterest income to average assets | 0.2622% | 4,133 |
| Noninterest expense to average assets | 2.2452% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7886% | 3,663 |
| Return on assets (ROA) | 0.8108% | 3,614 |
| Pretax return on assets | 0.9714% | 3,537 |
| Return on Equity (ROE) | 9.9377% | 2,399 |
| Retained earnings to average equity (ytd only) | -6.4611% | 4,992 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7987% | 5,078 |
| Assets per employee ($millions) | 6.9149% | 1,035 |
| Cash dividends to net income (ytd only)* | 165.0165% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5669% | 4,993 |
| Loan loss allowance to noncurrent loans | 7,840.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,877 |
| Noncurrent loans to loans | 0.0072% | 4,765 |
| Net loans and leases to total assets | 45.2004% | 4,696 |
| Net loans and leases to deposits | 49.6929% | 4,824 |
| Net loans and leases to core deposits | 54.0841% | 4,782 |
| Total domestic deposits to total assets | 90.9595% | 183 |
| Equity capital to assets | 8.0683% | 5,161 |
| Core capital (leverage) ratio | 9.3638% | 4,301 |
| Tier 1 risk-based capital ratio | 19.2080% | 1,500 |
| Total risk-based capital ratio | 19.8275% | 1,599 |
| Memoranda: | ||
| Average total assets | $149,476,000 | 3,395 |
| Average earning assets | $142,020,500 | 3,347 |
| Average equity | $12,196,000 | 4,036 |
| Average total loans | $68,563,000 | 3,901 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5356% | 4,876 |
| Cost of funding earning assets | 0.2750% | 4,678 |
| Net interest margin | 3.2606% | 4,359 |
| Noninterest income to average assets | 0.2819% | 4,212 |
| Noninterest expense to average assets | 2.0026% | 4,745 |
| Loan and lease loss provision to assets | 0.0263% | 3,650 |
| Net operating income to assets | 1.1184% | 2,521 |
| Return on assets (ROA) | 0.8646% | 3,554 |
| Pretax return on assets | 1.0519% | 3,439 |
| Return on Equity (ROE) | 10.7257% | 2,201 |
| Retained earnings to average equity (ytd only) | 2.7059% | 4,047 |
| Net charge-offs to loans | 0.0058% | 3,496 |
| Credit loss provision to net charge-offs | 1,000.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 528.0000% | 202 |
| Efficiency ratio | 59.0698% | 4,000 |
| Assets per employee ($millions) | 6.6739% | 1,129 |
| Cash dividends to net income (ytd only)* | 74.7720% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5767% | 5,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 46.0276% | 4,735 |
| Net loans and leases to deposits | 50.7342% | 4,863 |
| Net loans and leases to core deposits | 54.3165% | 4,836 |
| Total domestic deposits to total assets | 90.7230% | 267 |
| Equity capital to assets | 8.2534% | 5,063 |
| Core capital (leverage) ratio | 9.9445% | 3,653 |
| Tier 1 risk-based capital ratio | 20.9797% | 1,153 |
| Total risk-based capital ratio | 21.6170% | 1,224 |
| Memoranda: | ||
| Average total assets | $152,204,600 | 3,360 |
| Average earning assets | $145,095,600 | 3,314 |
| Average equity | $12,269,600 | 3,991 |
| Average total loans | $68,674,600 | 3,896 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4953% | 4,930 |
| Cost of funding earning assets | 0.2430% | 4,827 |
| Net interest margin | 3.2524% | 4,395 |
| Noninterest income to average assets | 0.2831% | 4,261 |
| Noninterest expense to average assets | 1.7957% | 5,040 |
| Loan and lease loss provision to assets | 0.0347% | 3,314 |
| Net operating income to assets | 1.3562% | 1,636 |
| Return on assets (ROA) | 1.3554% | 1,648 |
| Pretax return on assets | 1.5552% | 1,719 |
| Return on Equity (ROE) | 16.9107% | 553 |
| Retained earnings to average equity (ytd only) | 6.2507% | 2,518 |
| Net charge-offs to loans | 0.0077% | 3,140 |
| Credit loss provision to net charge-offs | 1,000.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 458.2758% | 203 |
| Efficiency ratio | 53.0256% | 4,704 |
| Assets per employee ($millions) | 6.6814% | 1,100 |
| Cash dividends to net income (ytd only)* | 63.0367% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5708% | 5,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 46.4515% | 4,781 |
| Net loans and leases to deposits | 51.8282% | 4,890 |
| Net loans and leases to core deposits | 56.2347% | 4,841 |
| Total domestic deposits to total assets | 89.6258% | 627 |
| Equity capital to assets | 8.6094% | 4,862 |
| Core capital (leverage) ratio | 9.5460% | 4,118 |
| Tier 1 risk-based capital ratio | 21.7676% | 1,080 |
| Total risk-based capital ratio | 22.4475% | 1,139 |
| Memoranda: | ||
| Average total assets | $153,549,500 | 3,373 |
| Average earning assets | $146,515,500 | 3,325 |
| Average equity | $12,307,500 | 4,025 |
| Average total loans | $68,850,250 | 3,933 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4373% | 4,988 |
| Cost of funding earning assets | 0.2378% | 4,813 |
| Net interest margin | 3.1994% | 4,505 |
| Noninterest income to average assets | 0.2761% | 4,342 |
| Noninterest expense to average assets | 2.1023% | 4,600 |
| Loan and lease loss provision to assets | 0.0514% | 2,887 |
| Net operating income to assets | 0.9993% | 3,025 |
| Return on assets (ROA) | 0.9927% | 3,058 |
| Pretax return on assets | 1.1725% | 3,040 |
| Return on Equity (ROE) | 12.6808% | 1,482 |
| Retained earnings to average equity (ytd only) | 4.6097% | 3,282 |
| Net charge-offs to loans | -0.0029% | 4,004 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0586% | 3,459 |
| Assets per employee ($millions) | 6.7494% | 1,042 |
| Cash dividends to net income (ytd only)* | 63.6481% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5789% | 5,140 |
| Loan loss allowance to noncurrent loans | 345.2174% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 4,640 |
| Noncurrent loans to loans | 0.1677% | 4,156 |
| Net loans and leases to total assets | 43.9174% | 4,910 |
| Net loans and leases to deposits | 48.7804% | 5,008 |
| Net loans and leases to core deposits | 52.6643% | 4,971 |
| Total domestic deposits to total assets | 90.0307% | 561 |
| Equity capital to assets | 7.9775% | 5,229 |
| Core capital (leverage) ratio | 9.0092% | 4,680 |
| Tier 1 risk-based capital ratio | 18.8287% | 1,595 |
| Total risk-based capital ratio | 19.4363% | 1,707 |
| Memoranda: | ||
| Average total assets | $155,736,000 | 3,372 |
| Average earning assets | $148,839,000 | 3,305 |
| Average equity | $12,191,670 | 4,059 |
| Average total loans | $68,910,000 | 3,955 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3753% | 5,048 |
| Cost of funding earning assets | 0.2382% | 4,774 |
| Net interest margin | 3.1370% | 4,626 |
| Noninterest income to average assets | 0.2846% | 4,272 |
| Noninterest expense to average assets | 2.0258% | 4,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0972% | 2,433 |
| Return on assets (ROA) | 1.0950% | 2,460 |
| Pretax return on assets | 1.2617% | 2,508 |
| Return on Equity (ROE) | 14.1210% | 985 |
| Retained earnings to average equity (ytd only) | -2.1496% | 5,021 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5744% | 3,862 |
| Assets per employee ($millions) | 7.0160% | 955 |
| Cash dividends to net income (ytd only)* | 115.2225% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5200% | 5,304 |
| Loan loss allowance to noncurrent loans | 359.5960% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 4,768 |
| Noncurrent loans to loans | 0.1446% | 4,316 |
| Net loans and leases to total assets | 44.1258% | 4,890 |
| Net loans and leases to deposits | 48.9342% | 5,010 |
| Net loans and leases to core deposits | 52.8415% | 4,956 |
| Total domestic deposits to total assets | 90.1738% | 591 |
| Equity capital to assets | 7.7978% | 5,330 |
| Core capital (leverage) ratio | 8.8600% | 4,838 |
| Tier 1 risk-based capital ratio | 18.8690% | 1,584 |
| Total risk-based capital ratio | 19.4388% | 1,734 |
| Memoranda: | ||
| Average total assets | $155,985,500 | 3,405 |
| Average earning assets | $149,440,000 | 3,338 |
| Average equity | $12,095,500 | 4,107 |
| Average total loans | $69,078,500 | 3,986 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3934% | 4,951 |
| Cost of funding earning assets | 0.2584% | 4,498 |
| Net interest margin | 3.1350% | 4,615 |
| Noninterest income to average assets | 0.2130% | 4,876 |
| Noninterest expense to average assets | 2.1844% | 4,557 |
| Loan and lease loss provision to assets | -0.0084% | 5,303 |
| Net operating income to assets | 0.6288% | 3,896 |
| Return on assets (ROA) | 0.6255% | 3,948 |
| Pretax return on assets | 1.0547% | 3,366 |
| Return on Equity (ROE) | 7.9118% | 2,832 |
| Retained earnings to average equity (ytd only) | -0.1388% | 5,055 |
| Net charge-offs to loans | -0.0014% | 4,510 |
| Credit loss provision to net charge-offs | 1,300.0000% | 298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5045% | 2,997 |
| Assets per employee ($millions) | 7.1645% | 905 |
| Cash dividends to net income (ytd only)* | 101.7544% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5108% | 5,373 |
| Loan loss allowance to noncurrent loans | 329.6296% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 4,783 |
| Noncurrent loans to loans | 0.1550% | 4,310 |
| Net loans and leases to total assets | 43.9896% | 4,976 |
| Net loans and leases to deposits | 48.6763% | 5,105 |
| Net loans and leases to core deposits | 52.8544% | 5,045 |
| Total domestic deposits to total assets | 90.3717% | 443 |
| Equity capital to assets | 7.7116% | 5,482 |
| Core capital (leverage) ratio | 8.3529% | 5,253 |
| Tier 1 risk-based capital ratio | 18.4914% | 1,655 |
| Total risk-based capital ratio | 19.0693% | 1,802 |
| Memoranda: | ||
| Average total assets | $154,920,200 | 3,416 |
| Average earning assets | $149,379,400 | 3,332 |
| Average equity | $12,247,600 | 4,103 |
| Average total loans | $69,969,200 | 3,965 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3950% | 4,969 |
| Cost of funding earning assets | 0.2601% | 4,479 |
| Net interest margin | 3.1349% | 4,610 |
| Noninterest income to average assets | 0.2109% | 4,954 |
| Noninterest expense to average assets | 2.0944% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9297% | 2,883 |
| Return on assets (ROA) | 0.9240% | 2,969 |
| Pretax return on assets | 1.1315% | 3,180 |
| Return on Equity (ROE) | 11.6154% | 1,455 |
| Retained earnings to average equity (ytd only) | 0.9018% | 5,003 |
| Net charge-offs to loans | -0.0019% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7861% | 3,407 |
| Assets per employee ($millions) | 7.0985% | 911 |
| Cash dividends to net income (ytd only)* | 92.2353% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5307% | 5,428 |
| Loan loss allowance to noncurrent loans | 295.2000% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 4,838 |
| Noncurrent loans to loans | 0.1798% | 4,347 |
| Net loans and leases to total assets | 44.2894% | 5,014 |
| Net loans and leases to deposits | 49.1033% | 5,157 |
| Net loans and leases to core deposits | 53.6159% | 5,081 |
| Total domestic deposits to total assets | 90.1963% | 408 |
| Equity capital to assets | 7.8993% | 5,543 |
| Core capital (leverage) ratio | 8.8511% | 4,923 |
| Tier 1 risk-based capital ratio | 19.0242% | 1,576 |
| Total risk-based capital ratio | 19.6176% | 1,718 |
| Memoranda: | ||
| Average total assets | $154,245,500 | 3,449 |
| Average earning assets | $148,686,250 | 3,371 |
| Average equity | $12,270,750 | 4,131 |
| Average total loans | $70,038,500 | 3,993 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 4,981 |
| Cost of funding earning assets | 0.2605% | 4,462 |
| Net interest margin | 3.1320% | 4,598 |
| Noninterest income to average assets | 0.2057% | 5,018 |
| Noninterest expense to average assets | 2.1327% | 4,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8899% | 2,964 |
| Return on assets (ROA) | 0.8815% | 3,070 |
| Pretax return on assets | 1.0833% | 3,249 |
| Return on Equity (ROE) | 11.0540% | 1,623 |
| Retained earnings to average equity (ytd only) | 3.0207% | 3,918 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1017% | 3,331 |
| Assets per employee ($millions) | 7.0540% | 907 |
| Cash dividends to net income (ytd only)* | 72.6736% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5249% | 5,488 |
| Loan loss allowance to noncurrent loans | 274.6269% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 4,848 |
| Noncurrent loans to loans | 0.1911% | 4,353 |
| Net loans and leases to total assets | 44.9397% | 4,994 |
| Net loans and leases to deposits | 49.8991% | 5,140 |
| Net loans and leases to core deposits | 54.8472% | 5,052 |
| Total domestic deposits to total assets | 90.0611% | 518 |
| Equity capital to assets | 8.0199% | 5,531 |
| Core capital (leverage) ratio | 8.9223% | 4,811 |
| Tier 1 risk-based capital ratio | 19.0401% | 1,591 |
| Total risk-based capital ratio | 19.6281% | 1,715 |
| Memoranda: | ||
| Average total assets | $153,605,330 | 3,471 |
| Average earning assets | $148,150,000 | 3,393 |
| Average equity | $12,249,000 | 4,149 |
| Average total loans | $70,206,670 | 4,009 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3809% | 4,973 |
| Cost of funding earning assets | 0.2630% | 4,426 |
| Net interest margin | 3.1180% | 4,609 |
| Noninterest income to average assets | 0.2042% | 5,048 |
| Noninterest expense to average assets | 2.0862% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9319% | 2,601 |
| Return on assets (ROA) | 0.9319% | 2,656 |
| Pretax return on assets | 1.1282% | 2,871 |
| Return on Equity (ROE) | 11.7197% | 1,332 |
| Retained earnings to average equity (ytd only) | -4.4772% | 5,355 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9023% | 3,677 |
| Assets per employee ($millions) | 6.8566% | 1,010 |
| Cash dividends to net income (ytd only)* | 138.2022% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5236% | 5,576 |
| Loan loss allowance to noncurrent loans | 257.3427% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 4,891 |
| Noncurrent loans to loans | 0.2035% | 4,390 |
| Net loans and leases to total assets | 46.3449% | 4,924 |
| Net loans and leases to deposits | 51.5067% | 5,052 |
| Net loans and leases to core deposits | 56.6689% | 4,941 |
| Total domestic deposits to total assets | 89.9785% | 668 |
| Equity capital to assets | 8.0188% | 5,512 |
| Core capital (leverage) ratio | 8.8103% | 4,947 |
| Tier 1 risk-based capital ratio | 18.6723% | 1,698 |
| Total risk-based capital ratio | 19.2631% | 1,829 |
| Memoranda: | ||
| Average total assets | $152,814,000 | 3,518 |
| Average earning assets | $147,532,500 | 3,434 |
| Average equity | $12,150,500 | 4,191 |
| Average total loans | $70,255,500 | 4,043 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3524% | 5,071 |
| Cost of funding earning assets | 0.2829% | 4,234 |
| Net interest margin | 3.0694% | 4,802 |
| Noninterest income to average assets | 0.2060% | 5,179 |
| Noninterest expense to average assets | 2.2250% | 4,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7534% | 3,521 |
| Return on assets (ROA) | 0.7592% | 3,605 |
| Pretax return on assets | 0.9494% | 3,658 |
| Return on Equity (ROE) | 9.5557% | 2,163 |
| Retained earnings to average equity (ytd only) | 1.4288% | 4,694 |
| Net charge-offs to loans | 0.0159% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 130.5455% | 474 |
| Efficiency ratio | 70.2507% | 2,859 |
| Assets per employee ($millions) | 6.7297% | 1,042 |
| Cash dividends to net income (ytd only)* | 85.0475% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5240% | 5,637 |
| Loan loss allowance to noncurrent loans | 246.9799% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 4,939 |
| Noncurrent loans to loans | 0.2121% | 4,390 |
| Net loans and leases to total assets | 45.1380% | 5,062 |
| Net loans and leases to deposits | 49.9946% | 5,216 |
| Net loans and leases to core deposits | 55.4426% | 5,072 |
| Total domestic deposits to total assets | 90.2858% | 524 |
| Equity capital to assets | 7.8852% | 5,613 |
| Core capital (leverage) ratio | 8.7480% | 5,026 |
| Tier 1 risk-based capital ratio | 18.6605% | 1,685 |
| Total risk-based capital ratio | 19.2447% | 1,811 |
| Memoranda: | ||
| Average total assets | $152,405,800 | 3,478 |
| Average earning assets | $147,029,800 | 3,404 |
| Average equity | $12,108,000 | 4,234 |
| Average total loans | $69,278,400 | 4,062 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3633% | 5,098 |
| Cost of funding earning assets | 0.2861% | 4,238 |
| Net interest margin | 3.0772% | 4,834 |
| Noninterest income to average assets | 0.1888% | 5,329 |
| Noninterest expense to average assets | 2.1192% | 4,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8353% | 3,216 |
| Return on assets (ROA) | 0.8431% | 3,300 |
| Pretax return on assets | 1.0451% | 3,449 |
| Return on Equity (ROE) | 10.5925% | 1,831 |
| Retained earnings to average equity (ytd only) | -0.2648% | 5,407 |
| Net charge-offs to loans | 0.0212% | 3,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 107.1547% | 627 |
| Efficiency ratio | 67.1771% | 3,389 |
| Assets per employee ($millions) | 6.5593% | 1,070 |
| Cash dividends to net income (ytd only)* | 102.5001% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5346% | 5,694 |
| Loan loss allowance to noncurrent loans | 262.8571% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 5,070 |
| Noncurrent loans to loans | 0.2034% | 4,541 |
| Net loans and leases to total assets | 45.3829% | 5,125 |
| Net loans and leases to deposits | 50.3875% | 5,278 |
| Net loans and leases to core deposits | 55.9285% | 5,151 |
| Total domestic deposits to total assets | 90.0678% | 459 |
| Equity capital to assets | 8.0298% | 5,729 |
| Core capital (leverage) ratio | 8.8408% | 5,011 |
| Tier 1 risk-based capital ratio | 18.6098% | 1,760 |
| Total risk-based capital ratio | 19.1996% | 1,901 |
| Memoranda: | ||
| Average total assets | $151,811,500 | 3,504 |
| Average earning assets | $146,320,000 | 3,428 |
| Average equity | $12,083,750 | 4,278 |
| Average total loans | $69,039,500 | 4,095 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3872% | 5,110 |
| Cost of funding earning assets | 0.2882% | 4,262 |
| Net interest margin | 3.0990% | 4,837 |
| Noninterest income to average assets | 0.1788% | 5,421 |
| Noninterest expense to average assets | 2.0706% | 5,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8847% | 2,937 |
| Return on assets (ROA) | 0.8953% | 3,008 |
| Pretax return on assets | 1.1043% | 3,182 |
| Return on Equity (ROE) | 11.2807% | 1,547 |
| Retained earnings to average equity (ytd only) | 3.1308% | 3,910 |
| Net charge-offs to loans | 0.0347% | 2,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 69.1667% | 782 |
| Efficiency ratio | 65.4886% | 3,759 |
| Assets per employee ($millions) | 6.9220% | 898 |
| Cash dividends to net income (ytd only)* | 72.2467% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5261% | 5,771 |
| Loan loss allowance to noncurrent loans | 223.7805% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 4,875 |
| Noncurrent loans to loans | 0.2351% | 4,501 |
| Net loans and leases to total assets | 45.5688% | 5,154 |
| Net loans and leases to deposits | 50.6193% | 5,310 |
| Net loans and leases to core deposits | 56.7394% | 5,135 |
| Total domestic deposits to total assets | 90.0226% | 481 |
| Equity capital to assets | 8.0921% | 5,774 |
| Core capital (leverage) ratio | 8.8853% | 4,957 |
| Tier 1 risk-based capital ratio | 18.9908% | 1,697 |
| Total risk-based capital ratio | 19.5817% | 1,803 |
| Memoranda: | ||
| Average total assets | $152,127,670 | 3,527 |
| Average earning assets | $146,434,330 | 3,450 |
| Average equity | $12,073,670 | 4,307 |
| Average total loans | $69,108,000 | 4,111 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4240% | 5,069 |
| Cost of funding earning assets | 0.2929% | 4,250 |
| Net interest margin | 3.1311% | 4,775 |
| Noninterest income to average assets | 0.1710% | 5,467 |
| Noninterest expense to average assets | 2.1546% | 5,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8370% | 3,051 |
| Return on assets (ROA) | 0.8392% | 3,171 |
| Pretax return on assets | 1.0286% | 3,371 |
| Return on Equity (ROE) | 10.6787% | 1,723 |
| Retained earnings to average equity (ytd only) | -5.7913% | 5,644 |
| Net charge-offs to loans | 0.0698% | 1,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,138 |
| Efficiency ratio | 67.7419% | 3,506 |
| Assets per employee ($millions) | 6.9387% | 919 |
| Cash dividends to net income (ytd only)* | 154.2320% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5314% | 5,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 5,419 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 45.0056% | 5,187 |
| Net loans and leases to deposits | 49.8285% | 5,349 |
| Net loans and leases to core deposits | 55.8086% | 5,140 |
| Total domestic deposits to total assets | 90.3211% | 490 |
| Equity capital to assets | 7.8093% | 5,882 |
| Core capital (leverage) ratio | 8.6990% | 5,175 |
| Tier 1 risk-based capital ratio | 18.5965% | 1,825 |
| Total risk-based capital ratio | 19.1929% | 1,967 |
| Memoranda: | ||
| Average total assets | $152,049,500 | 3,555 |
| Average earning assets | $146,145,500 | 3,475 |
| Average equity | $11,949,000 | 4,342 |
| Average total loans | $68,781,500 | 4,138 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5295% | 4,845 |
| Cost of funding earning assets | 0.3116% | 4,120 |
| Net interest margin | 3.2179% | 4,562 |
| Noninterest income to average assets | 0.2061% | 5,361 |
| Noninterest expense to average assets | 2.1791% | 5,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8700% | 3,018 |
| Return on assets (ROA) | 0.8842% | 3,046 |
| Pretax return on assets | 1.1426% | 2,873 |
| Return on Equity (ROE) | 11.0265% | 1,606 |
| Retained earnings to average equity (ytd only) | 2.6803% | 4,164 |
| Net charge-offs to loans | -0.0163% | 5,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9666% | 3,910 |
| Assets per employee ($millions) | 7.2118% | 821 |
| Cash dividends to net income (ytd only)* | 75.6923% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5387% | 5,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 5,537 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 44.9827% | 5,230 |
| Net loans and leases to deposits | 49.7604% | 5,405 |
| Net loans and leases to core deposits | 56.0958% | 5,201 |
| Total domestic deposits to total assets | 90.3986% | 472 |
| Equity capital to assets | 7.9084% | 5,886 |
| Core capital (leverage) ratio | 8.0422% | 5,815 |
| Tier 1 risk-based capital ratio | 17.7327% | 2,042 |
| Total risk-based capital ratio | 18.3559% | 2,200 |
| Memoranda: | ||
| Average total assets | $147,031,800 | 3,615 |
| Average earning assets | $141,522,200 | 3,518 |
| Average equity | $11,789,800 | 4,343 |
| Average total loans | $67,451,000 | 4,163 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5622% | 4,840 |
| Cost of funding earning assets | 0.3114% | 4,209 |
| Net interest margin | 3.2508% | 4,526 |
| Noninterest income to average assets | 0.1919% | 5,509 |
| Noninterest expense to average assets | 2.1453% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9289% | 2,811 |
| Return on assets (ROA) | 0.9484% | 2,818 |
| Pretax return on assets | 1.1997% | 2,822 |
| Return on Equity (ROE) | 11.7855% | 1,435 |
| Retained earnings to average equity (ytd only) | 0.6131% | 5,435 |
| Net charge-offs to loans | -0.0198% | 5,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6120% | 4,138 |
| Assets per employee ($millions) | 7.0623% | 845 |
| Cash dividends to net income (ytd only)* | 94.7976% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5531% | 5,959 |
| Loan loss allowance to noncurrent loans | 681.4815% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 5,640 |
| Noncurrent loans to loans | 0.0812% | 5,302 |
| Net loans and leases to total assets | 44.6150% | 5,316 |
| Net loans and leases to deposits | 49.3706% | 5,498 |
| Net loans and leases to core deposits | 55.2376% | 5,345 |
| Total domestic deposits to total assets | 90.3674% | 438 |
| Equity capital to assets | 7.9125% | 5,989 |
| Core capital (leverage) ratio | 8.2178% | 5,763 |
| Tier 1 risk-based capital ratio | 17.8807% | 2,057 |
| Total risk-based capital ratio | 18.5217% | 2,225 |
| Memoranda: | ||
| Average total assets | $145,928,000 | 3,665 |
| Average earning assets | $140,432,500 | 3,568 |
| Average equity | $11,743,000 | 4,401 |
| Average total loans | $67,190,250 | 4,201 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5689% | 4,813 |
| Cost of funding earning assets | 0.3138% | 4,236 |
| Net interest margin | 3.2551% | 4,476 |
| Noninterest income to average assets | 0.1847% | 5,587 |
| Noninterest expense to average assets | 2.1428% | 5,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9390% | 2,695 |
| Return on assets (ROA) | 0.9688% | 2,653 |
| Pretax return on assets | 1.2099% | 2,732 |
| Return on Equity (ROE) | 11.9704% | 1,385 |
| Retained earnings to average equity (ytd only) | 3.5928% | 3,739 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6301% | 4,252 |
| Assets per employee ($millions) | 7.0667% | 814 |
| Cash dividends to net income (ytd only)* | 69.9858% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5361% | 6,056 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 44.7574% | 5,330 |
| Net loans and leases to deposits | 49.5021% | 5,534 |
| Net loans and leases to core deposits | 55.2267% | 5,362 |
| Total domestic deposits to total assets | 90.4151% | 491 |
| Equity capital to assets | 7.8726% | 6,028 |
| Core capital (leverage) ratio | 8.3118% | 5,705 |
| Tier 1 risk-based capital ratio | 18.1399% | 2,025 |
| Total risk-based capital ratio | 18.7664% | 2,172 |
| Memoranda: | ||
| Average total assets | $145,134,330 | 3,706 |
| Average earning assets | $139,594,670 | 3,608 |
| Average equity | $11,745,670 | 4,424 |
| Average total loans | $67,408,330 | 4,232 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6181% | 4,634 |
| Cost of funding earning assets | 0.3158% | 4,270 |
| Net interest margin | 3.3024% | 4,208 |
| Noninterest income to average assets | 0.1756% | 5,662 |
| Noninterest expense to average assets | 2.2188% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9368% | 2,574 |
| Return on assets (ROA) | 0.9923% | 2,431 |
| Pretax return on assets | 1.2014% | 2,659 |
| Return on Equity (ROE) | 12.0914% | 1,322 |
| Retained earnings to average equity (ytd only) | -4.6192% | 5,907 |
| Net charge-offs to loans | -0.0059% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1679% | 4,131 |
| Assets per employee ($millions) | 6.8478% | 914 |
| Cash dividends to net income (ytd only)* | 138.2022% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5391% | 6,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 46.0575% | 5,194 |
| Net loans and leases to deposits | 51.0789% | 5,386 |
| Net loans and leases to core deposits | 57.5390% | 5,152 |
| Total domestic deposits to total assets | 90.1692% | 666 |
| Equity capital to assets | 8.0708% | 5,996 |
| Core capital (leverage) ratio | 8.2199% | 5,794 |
| Tier 1 risk-based capital ratio | 17.7397% | 2,223 |
| Total risk-based capital ratio | 18.3708% | 2,392 |
| Memoranda: | ||
| Average total assets | $143,501,500 | 3,752 |
| Average earning assets | $138,083,000 | 3,653 |
| Average equity | $11,777,000 | 4,453 |
| Average total loans | $67,723,500 | 4,238 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 4,228 |
| Cost of funding earning assets | 0.3568% | 4,179 |
| Net interest margin | 3.5171% | 3,731 |
| Noninterest income to average assets | 0.2388% | 5,420 |
| Noninterest expense to average assets | 2.3101% | 5,085 |
| Loan and lease loss provision to assets | 0.0073% | 4,485 |
| Net operating income to assets | 0.9577% | 2,589 |
| Return on assets (ROA) | 0.9587% | 2,665 |
| Pretax return on assets | 1.2926% | 2,265 |
| Return on Equity (ROE) | 11.7638% | 1,474 |
| Retained earnings to average equity (ytd only) | 1.8790% | 4,863 |
| Net charge-offs to loans | 0.0399% | 4,022 |
| Credit loss provision to net charge-offs | 37.0370% | 3,731 |
| Earnings coverage of net charge-offs (x) | 66.2593% | 739 |
| Efficiency ratio | 64.0185% | 4,581 |
| Assets per employee ($millions) | 6.8190% | 918 |
| Cash dividends to net income (ytd only)* | 84.0273% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5199% | 6,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 47.8338% | 5,171 |
| Net loans and leases to deposits | 52.9539% | 5,416 |
| Net loans and leases to core deposits | 60.4631% | 5,106 |
| Total domestic deposits to total assets | 90.3310% | 600 |
| Equity capital to assets | 8.3436% | 5,868 |
| Core capital (leverage) ratio | 8.9344% | 5,081 |
| Tier 1 risk-based capital ratio | 19.2367% | 1,786 |
| Total risk-based capital ratio | 19.8622% | 1,922 |
| Memoranda: | ||
| Average total assets | $137,784,400 | 3,841 |
| Average earning assets | $132,012,000 | 3,721 |
| Average equity | $11,229,400 | 4,517 |
| Average total loans | $67,590,400 | 4,248 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 4,149 |
| Cost of funding earning assets | 0.3626% | 4,208 |
| Net interest margin | 3.5453% | 3,645 |
| Noninterest income to average assets | 0.2170% | 5,630 |
| Noninterest expense to average assets | 2.2702% | 5,179 |
| Loan and lease loss provision to assets | 0.0098% | 4,226 |
| Net operating income to assets | 1.0424% | 2,269 |
| Return on assets (ROA) | 1.0379% | 2,348 |
| Pretax return on assets | 1.3232% | 2,296 |
| Return on Equity (ROE) | 12.8144% | 1,262 |
| Retained earnings to average equity (ytd only) | -0.5792% | 5,886 |
| Net charge-offs to loans | 0.0535% | 3,448 |
| Credit loss provision to net charge-offs | 37.0370% | 3,336 |
| Earnings coverage of net charge-offs (x) | 50.7394% | 968 |
| Efficiency ratio | 62.9028% | 4,751 |
| Assets per employee ($millions) | 6.6891% | 920 |
| Cash dividends to net income (ytd only)* | 104.5199% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5337% | 6,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 47.4935% | 5,246 |
| Net loans and leases to deposits | 52.4703% | 5,505 |
| Net loans and leases to core deposits | 60.7466% | 5,138 |
| Total domestic deposits to total assets | 90.5148% | 523 |
| Equity capital to assets | 8.1418% | 6,050 |
| Core capital (leverage) ratio | 8.9866% | 5,090 |
| Tier 1 risk-based capital ratio | 19.2407% | 1,845 |
| Total risk-based capital ratio | 19.8794% | 1,972 |
| Memoranda: | ||
| Average total assets | $136,430,500 | 3,892 |
| Average earning assets | $130,534,500 | 3,775 |
| Average equity | $11,049,750 | 4,585 |
| Average total loans | $67,274,000 | 4,299 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9491% | 3,934 |
| Cost of funding earning assets | 0.3641% | 4,269 |
| Net interest margin | 3.5850% | 3,426 |
| Noninterest income to average assets | 0.2014% | 5,754 |
| Noninterest expense to average assets | 2.2327% | 5,336 |
| Loan and lease loss provision to assets | 0.0148% | 3,965 |
| Net operating income to assets | 1.1134% | 1,884 |
| Return on assets (ROA) | 1.1134% | 1,955 |
| Pretax return on assets | 1.3799% | 1,971 |
| Return on Equity (ROE) | 13.7720% | 1,001 |
| Retained earnings to average equity (ytd only) | 2.5090% | 4,605 |
| Net charge-offs to loans | 0.0505% | 3,252 |
| Credit loss provision to net charge-offs | 58.8235% | 2,662 |
| Earnings coverage of net charge-offs (x) | 55.4118% | 858 |
| Efficiency ratio | 61.5510% | 5,067 |
| Assets per employee ($millions) | 6.5062% | 1,006 |
| Cash dividends to net income (ytd only)* | 81.7819% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5500% | 6,362 |
| Loan loss allowance to noncurrent loans | 183.0846% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 5,730 |
| Noncurrent loans to loans | 0.3004% | 5,117 |
| Net loans and leases to total assets | 46.4848% | 5,317 |
| Net loans and leases to deposits | 51.3019% | 5,539 |
| Net loans and leases to core deposits | 58.9386% | 5,209 |
| Total domestic deposits to total assets | 90.6104% | 541 |
| Equity capital to assets | 8.0762% | 6,114 |
| Core capital (leverage) ratio | 9.1546% | 4,813 |
| Tier 1 risk-based capital ratio | 19.1925% | 1,874 |
| Total risk-based capital ratio | 19.8353% | 1,997 |
| Memoranda: | ||
| Average total assets | $135,083,330 | 3,938 |
| Average earning assets | $129,094,330 | 3,830 |
| Average equity | $10,920,670 | 4,625 |
| Average total loans | $67,341,000 | 4,319 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,469 |
| Cost of funding earning assets | 0.3616% | 4,423 |
| Net interest margin | 3.6899% | 2,904 |
| Noninterest income to average assets | 0.2014% | 5,745 |
| Noninterest expense to average assets | 2.3501% | 5,072 |
| Loan and lease loss provision to assets | 0.0305% | 3,424 |
| Net operating income to assets | 1.0805% | 1,895 |
| Return on assets (ROA) | 1.0805% | 1,960 |
| Pretax return on assets | 1.3399% | 1,956 |
| Return on Equity (ROE) | 13.3572% | 1,074 |
| Retained earnings to average equity (ytd only) | -9.8481% | 6,355 |
| Net charge-offs to loans | 0.1184% | 2,015 |
| Credit loss provision to net charge-offs | 50.0000% | 2,203 |
| Earnings coverage of net charge-offs (x) | 22.4500% | 1,252 |
| Efficiency ratio | 63.1665% | 4,978 |
| Assets per employee ($millions) | 6.0914% | 1,250 |
| Cash dividends to net income (ytd only)* | 173.7288% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5458% | 6,459 |
| Loan loss allowance to noncurrent loans | 181.5920% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 5,790 |
| Noncurrent loans to loans | 0.3005% | 5,213 |
| Net loans and leases to total assets | 49.6325% | 4,944 |
| Net loans and leases to deposits | 54.8706% | 5,206 |
| Net loans and leases to core deposits | 58.6565% | 5,151 |
| Total domestic deposits to total assets | 90.4538% | 827 |
| Equity capital to assets | 8.1240% | 5,961 |
| Core capital (leverage) ratio | 9.6669% | 4,037 |
| Tier 1 risk-based capital ratio | 19.0987% | 1,936 |
| Total risk-based capital ratio | 19.7545% | 2,086 |
| Memoranda: | ||
| Average total assets | $131,056,500 | 4,049 |
| Average earning assets | $124,989,000 | 3,945 |
| Average equity | $10,601,000 | 4,705 |
| Average total loans | $67,559,000 | 4,335 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1661% | 3,473 |
| Cost of funding earning assets | 0.3983% | 4,675 |
| Net interest margin | 3.7678% | 2,769 |
| Noninterest income to average assets | 0.2298% | 5,701 |
| Noninterest expense to average assets | 2.4366% | 4,968 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0410% | 2,150 |
| Return on assets (ROA) | 1.0487% | 2,192 |
| Pretax return on assets | 1.3887% | 1,826 |
| Return on Equity (ROE) | 12.5320% | 1,269 |
| Retained earnings to average equity (ytd only) | 3.3244% | 3,870 |
| Net charge-offs to loans | 0.0015% | 5,454 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1,764.0000% | 20 |
| Efficiency ratio | 63.8673% | 4,922 |
| Assets per employee ($millions) | 5.8228% | 1,388 |
| Cash dividends to net income (ytd only)* | 73.4724% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5510% | 6,524 |
| Loan loss allowance to noncurrent loans | 383.6735% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 6,120 |
| Noncurrent loans to loans | 0.1436% | 5,766 |
| Net loans and leases to total assets | 52.9765% | 4,727 |
| Net loans and leases to deposits | 58.9532% | 5,039 |
| Net loans and leases to core deposits | 63.5502% | 4,910 |
| Total domestic deposits to total assets | 89.8620% | 1,148 |
| Equity capital to assets | 8.0522% | 5,979 |
| Core capital (leverage) ratio | 9.6049% | 4,108 |
| Tier 1 risk-based capital ratio | 19.3369% | 1,829 |
| Total risk-based capital ratio | 20.0025% | 1,953 |
| Memoranda: | ||
| Average total assets | $127,963,400 | 4,111 |
| Average earning assets | $121,769,200 | 4,019 |
| Average equity | $10,708,600 | 4,696 |
| Average total loans | $66,847,600 | 4,384 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1344% | 3,621 |
| Cost of funding earning assets | 0.3953% | 4,858 |
| Net interest margin | 3.7392% | 2,887 |
| Noninterest income to average assets | 0.2199% | 5,852 |
| Noninterest expense to average assets | 2.3763% | 5,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0879% | 2,053 |
| Return on assets (ROA) | 1.0985% | 2,086 |
| Pretax return on assets | 1.4164% | 1,883 |
| Return on Equity (ROE) | 13.0036% | 1,231 |
| Retained earnings to average equity (ytd only) | 0.8389% | 5,648 |
| Net charge-offs to loans | 0.0040% | 5,118 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 672.1423% | 81 |
| Efficiency ratio | 62.8792% | 5,004 |
| Assets per employee ($millions) | 6.0388% | 1,218 |
| Cash dividends to net income (ytd only)* | 93.5480% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5598% | 6,610 |
| Loan loss allowance to noncurrent loans | 382.6531% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 6,214 |
| Noncurrent loans to loans | 0.1463% | 5,885 |
| Net loans and leases to total assets | 50.1400% | 5,121 |
| Net loans and leases to deposits | 55.5771% | 5,405 |
| Net loans and leases to core deposits | 62.9821% | 5,012 |
| Total domestic deposits to total assets | 90.2171% | 884 |
| Equity capital to assets | 7.7785% | 6,266 |
| Core capital (leverage) ratio | 9.4820% | 4,436 |
| Tier 1 risk-based capital ratio | 18.8351% | 2,036 |
| Total risk-based capital ratio | 19.4971% | 2,194 |
| Memoranda: | ||
| Average total assets | $127,928,750 | 4,161 |
| Average earning assets | $121,770,750 | 4,055 |
| Average equity | $10,807,000 | 4,730 |
| Average total loans | $66,499,500 | 4,431 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1433% | 3,568 |
| Cost of funding earning assets | 0.3962% | 4,978 |
| Net interest margin | 3.7471% | 2,773 |
| Noninterest income to average assets | 0.2106% | 5,935 |
| Noninterest expense to average assets | 2.3676% | 5,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1078% | 1,902 |
| Return on assets (ROA) | 1.1228% | 1,965 |
| Pretax return on assets | 1.4269% | 1,845 |
| Return on Equity (ROE) | 12.9324% | 1,260 |
| Retained earnings to average equity (ytd only) | 3.9582% | 3,772 |
| Net charge-offs to loans | 0.0151% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 177.8000% | 280 |
| Efficiency ratio | 62.7097% | 5,064 |
| Assets per employee ($millions) | 6.1388% | 1,104 |
| Cash dividends to net income (ytd only)* | 69.3935% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5580% | 6,657 |
| Loan loss allowance to noncurrent loans | 379.5918% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 6,285 |
| Noncurrent loans to loans | 0.1470% | 5,954 |
| Net loans and leases to total assets | 49.0900% | 5,215 |
| Net loans and leases to deposits | 54.4403% | 5,481 |
| Net loans and leases to core deposits | 61.2889% | 5,156 |
| Total domestic deposits to total assets | 90.1721% | 936 |
| Equity capital to assets | 7.8635% | 6,288 |
| Core capital (leverage) ratio | 9.7000% | 3,933 |
| Tier 1 risk-based capital ratio | 18.9397% | 2,008 |
| Total risk-based capital ratio | 19.5928% | 2,160 |
| Memoranda: | ||
| Average total assets | $126,287,000 | 4,217 |
| Average earning assets | $120,147,000 | 4,119 |
| Average equity | $10,964,670 | 4,732 |
| Average total loans | $66,336,670 | 4,452 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 2,943 |
| Cost of funding earning assets | 0.4079% | 5,030 |
| Net interest margin | 3.8787% | 2,186 |
| Noninterest income to average assets | 0.2034% | 6,023 |
| Noninterest expense to average assets | 2.5167% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0966% | 1,865 |
| Return on assets (ROA) | 1.1255% | 1,880 |
| Pretax return on assets | 1.4044% | 1,836 |
| Return on Equity (ROE) | 12.3193% | 1,339 |
| Retained earnings to average equity (ytd only) | -5.3515% | 6,388 |
| Net charge-offs to loans | 0.0363% | 3,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 514 |
| Efficiency ratio | 64.7804% | 4,867 |
| Assets per employee ($millions) | 5.6987% | 1,488 |
| Cash dividends to net income (ytd only)* | 143.4402% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5673% | 6,741 |
| Loan loss allowance to noncurrent loans | 378.5714% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 6,356 |
| Noncurrent loans to loans | 0.1498% | 6,019 |
| Net loans and leases to total assets | 51.8680% | 4,723 |
| Net loans and leases to deposits | 58.2031% | 5,006 |
| Net loans and leases to core deposits | 62.0946% | 4,947 |
| Total domestic deposits to total assets | 89.1156% | 1,617 |
| Equity capital to assets | 8.7436% | 5,768 |
| Core capital (leverage) ratio | 10.0319% | 3,334 |
| Tier 1 risk-based capital ratio | 19.4226% | 1,931 |
| Total risk-based capital ratio | 20.1112% | 2,056 |
| Memoranda: | ||
| Average total assets | $121,903,500 | 4,346 |
| Average earning assets | $115,709,500 | 4,250 |
| Average equity | $11,137,000 | 4,745 |
| Average total loans | $66,170,000 | 4,488 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3561% | 4,004 |
| Cost of funding earning assets | 0.5284% | 5,006 |
| Net interest margin | 3.8276% | 3,114 |
| Noninterest income to average assets | 0.2518% | 5,663 |
| Noninterest expense to average assets | 2.5344% | 4,979 |
| Loan and lease loss provision to assets | 0.0195% | 5,658 |
| Net operating income to assets | 1.0290% | 2,212 |
| Return on assets (ROA) | 1.0918% | 2,149 |
| Pretax return on assets | 1.4532% | 1,841 |
| Return on Equity (ROE) | 12.0985% | 1,483 |
| Retained earnings to average equity (ytd only) | 3.2407% | 3,938 |
| Net charge-offs to loans | 0.0262% | 5,529 |
| Credit loss provision to net charge-offs | 141.1765% | 1,943 |
| Earnings coverage of net charge-offs (x) | 100.5882% | 378 |
| Efficiency ratio | 64.5963% | 4,776 |
| Assets per employee ($millions) | 5.3834% | 1,807 |
| Cash dividends to net income (ytd only)* | 73.2143% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 6,797 |
| Loan loss allowance to noncurrent loans | 384.6939% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 6,391 |
| Noncurrent loans to loans | 0.1464% | 6,111 |
| Net loans and leases to total assets | 56.2030% | 4,252 |
| Net loans and leases to deposits | 63.5122% | 4,597 |
| Net loans and leases to core deposits | 68.7531% | 4,456 |
| Total domestic deposits to total assets | 88.4916% | 1,905 |
| Equity capital to assets | 9.5512% | 4,816 |
| Core capital (leverage) ratio | 10.2217% | 3,107 |
| Tier 1 risk-based capital ratio | 19.7927% | 1,731 |
| Total risk-based capital ratio | 20.4956% | 1,858 |
| Memoranda: | ||
| Average total assets | $123,103,800 | 4,288 |
| Average earning assets | $118,088,400 | 4,157 |
| Average equity | $11,108,800 | 4,741 |
| Average total loans | $64,877,800 | 4,550 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 4,390 |
| Cost of funding earning assets | 0.5488% | 5,097 |
| Net interest margin | 3.7677% | 3,478 |
| Noninterest income to average assets | 0.2511% | 5,768 |
| Noninterest expense to average assets | 2.4516% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0967% | 2,104 |
| Return on assets (ROA) | 1.1405% | 2,141 |
| Pretax return on assets | 1.4806% | 1,954 |
| Return on Equity (ROE) | 12.8170% | 1,386 |
| Retained earnings to average equity (ytd only) | 0.9525% | 5,790 |
| Net charge-offs to loans | 0.0124% | 5,530 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 221.1613% | 203 |
| Efficiency ratio | 63.2614% | 4,933 |
| Assets per employee ($millions) | 5.6844% | 1,469 |
| Cash dividends to net income (ytd only)* | 92.5683% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5569% | 6,910 |
| Loan loss allowance to noncurrent loans | 330.9091% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 6,510 |
| Noncurrent loans to loans | 0.1683% | 6,187 |
| Net loans and leases to total assets | 51.9759% | 5,050 |
| Net loans and leases to deposits | 58.2345% | 5,408 |
| Net loans and leases to core deposits | 66.6240% | 4,883 |
| Total domestic deposits to total assets | 89.2528% | 1,280 |
| Equity capital to assets | 8.8688% | 5,957 |
| Core capital (leverage) ratio | 9.8055% | 3,809 |
| Tier 1 risk-based capital ratio | 19.0345% | 2,004 |
| Total risk-based capital ratio | 19.7056% | 2,149 |
| Memoranda: | ||
| Average total assets | $124,271,000 | 4,306 |
| Average earning assets | $119,540,500 | 4,162 |
| Average equity | $11,058,000 | 4,793 |
| Average total loans | $64,362,000 | 4,612 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 4,406 |
| Cost of funding earning assets | 0.5849% | 5,025 |
| Net interest margin | 3.7572% | 3,553 |
| Noninterest income to average assets | 0.2371% | 5,871 |
| Noninterest expense to average assets | 2.4192% | 5,385 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1193% | 1,984 |
| Return on assets (ROA) | 1.1193% | 2,196 |
| Pretax return on assets | 1.4338% | 2,072 |
| Return on Equity (ROE) | 12.5645% | 1,483 |
| Retained earnings to average equity (ytd only) | 3.6571% | 4,163 |
| Net charge-offs to loans | 0.0219% | 5,095 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 351 |
| Efficiency ratio | 62.7878% | 5,117 |
| Assets per employee ($millions) | 5.6826% | 1,457 |
| Cash dividends to net income (ytd only)* | 70.8934% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5710% | 6,959 |
| Loan loss allowance to noncurrent loans | 3,025.0000% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 6,819 |
| Noncurrent loans to loans | 0.0189% | 6,642 |
| Net loans and leases to total assets | 50.5611% | 5,288 |
| Net loans and leases to deposits | 56.6459% | 5,585 |
| Net loans and leases to core deposits | 64.3516% | 5,173 |
| Total domestic deposits to total assets | 89.2583% | 1,353 |
| Equity capital to assets | 8.9092% | 5,794 |
| Core capital (leverage) ratio | 9.4609% | 4,195 |
| Tier 1 risk-based capital ratio | 19.5369% | 1,839 |
| Total risk-based capital ratio | 20.2171% | 1,958 |
| Memoranda: | ||
| Average total assets | $124,009,330 | 4,330 |
| Average earning assets | $119,344,330 | 4,188 |
| Average equity | $11,047,000 | 4,797 |
| Average total loans | $64,028,330 | 4,637 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 4,470 |
| Cost of funding earning assets | 0.5890% | 5,220 |
| Net interest margin | 3.7727% | 3,503 |
| Noninterest income to average assets | 0.2299% | 5,979 |
| Noninterest expense to average assets | 2.4647% | 5,271 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0947% | 2,112 |
| Return on assets (ROA) | 1.0947% | 2,305 |
| Pretax return on assets | 1.3959% | 2,205 |
| Return on Equity (ROE) | 12.2892% | 1,587 |
| Retained earnings to average equity (ytd only) | -5.5992% | 6,626 |
| Net charge-offs to loans | -0.0125% | 6,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8423% | 4,947 |
| Assets per employee ($millions) | 5.8120% | 1,423 |
| Cash dividends to net income (ytd only)* | 145.5621% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5865% | 6,994 |
| Loan loss allowance to noncurrent loans | 304.9180% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 6,523 |
| Noncurrent loans to loans | 0.1923% | 6,298 |
| Net loans and leases to total assets | 49.3161% | 5,390 |
| Net loans and leases to deposits | 54.9062% | 5,716 |
| Net loans and leases to core deposits | 62.3537% | 5,287 |
| Total domestic deposits to total assets | 89.8188% | 1,174 |
| Equity capital to assets | 8.4106% | 6,166 |
| Core capital (leverage) ratio | 9.7436% | 3,716 |
| Tier 1 risk-based capital ratio | 18.5910% | 2,117 |
| Total risk-based capital ratio | 19.2724% | 2,250 |
| Memoranda: | ||
| Average total assets | $123,505,500 | 4,363 |
| Average earning assets | $118,855,000 | 4,227 |
| Average equity | $11,001,500 | 4,824 |
| Average total loans | $64,256,000 | 4,657 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 4,310 |
| Cost of funding earning assets | 0.7262% | 5,366 |
| Net interest margin | 3.9583% | 3,075 |
| Noninterest income to average assets | 0.2849% | 5,497 |
| Noninterest expense to average assets | 2.5843% | 5,154 |
| Loan and lease loss provision to assets | 0.0573% | 5,880 |
| Net operating income to assets | 1.1275% | 1,732 |
| Return on assets (ROA) | 1.1275% | 1,851 |
| Pretax return on assets | 1.4455% | 1,639 |
| Return on Equity (ROE) | 11.8782% | 1,441 |
| Retained earnings to average equity (ytd only) | 2.8552% | 4,213 |
| Net charge-offs to loans | 0.0909% | 5,430 |
| Credit loss provision to net charge-offs | 115.7895% | 2,811 |
| Earnings coverage of net charge-offs (x) | 30.3509% | 836 |
| Efficiency ratio | 63.2306% | 5,255 |
| Assets per employee ($millions) | 5.4158% | 1,727 |
| Cash dividends to net income (ytd only)* | 75.9630% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5685% | 7,041 |
| Loan loss allowance to noncurrent loans | 333.3333% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 6,588 |
| Noncurrent loans to loans | 0.1706% | 6,411 |
| Net loans and leases to total assets | 54.3131% | 4,989 |
| Net loans and leases to deposits | 60.8915% | 5,381 |
| Net loans and leases to core deposits | 70.6551% | 4,695 |
| Total domestic deposits to total assets | 89.1966% | 1,424 |
| Equity capital to assets | 9.4412% | 4,977 |
| Core capital (leverage) ratio | 10.0588% | 3,269 |
| Tier 1 risk-based capital ratio | 19.1100% | 1,870 |
| Total risk-based capital ratio | 19.7980% | 1,997 |
| Memoranda: | ||
| Average total assets | $115,118,600 | 4,520 |
| Average earning assets | $110,576,800 | 4,381 |
| Average equity | $10,927,600 | 4,800 |
| Average total loans | $62,686,600 | 4,762 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7047% | 4,437 |
| Cost of funding earning assets | 0.7486% | 5,475 |
| Net interest margin | 3.9561% | 3,126 |
| Noninterest income to average assets | 0.2734% | 5,661 |
| Noninterest expense to average assets | 2.4981% | 5,469 |
| Loan and lease loss provision to assets | 0.0351% | 5,998 |
| Net operating income to assets | 1.2268% | 1,585 |
| Return on assets (ROA) | 1.2268% | 1,690 |
| Pretax return on assets | 1.5376% | 1,550 |
| Return on Equity (ROE) | 12.9062% | 1,303 |
| Retained earnings to average equity (ytd only) | 0.7867% | 5,697 |
| Net charge-offs to loans | 0.0515% | 5,464 |
| Credit loss provision to net charge-offs | 125.0000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 56.0819% | 586 |
| Efficiency ratio | 61.3662% | 5,505 |
| Assets per employee ($millions) | 5.3495% | 1,754 |
| Cash dividends to net income (ytd only)* | 93.9042% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5771% | 7,108 |
| Loan loss allowance to noncurrent loans | 202.2346% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 6,664 |
| Noncurrent loans to loans | 0.2854% | 6,285 |
| Net loans and leases to total assets | 52.9935% | 5,325 |
| Net loans and leases to deposits | 59.3485% | 5,715 |
| Net loans and leases to core deposits | 67.8064% | 5,196 |
| Total domestic deposits to total assets | 89.2920% | 1,263 |
| Equity capital to assets | 9.3383% | 5,319 |
| Core capital (leverage) ratio | 10.0777% | 3,337 |
| Tier 1 risk-based capital ratio | 19.0653% | 1,913 |
| Total risk-based capital ratio | 19.7615% | 2,048 |
| Memoranda: | ||
| Average total assets | $114,111,250 | 4,576 |
| Average earning assets | $109,532,750 | 4,434 |
| Average equity | $10,847,250 | 4,841 |
| Average total loans | $62,087,500 | 4,828 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 4,393 |
| Cost of funding earning assets | 0.7642% | 5,597 |
| Net interest margin | 3.9666% | 3,007 |
| Noninterest income to average assets | 0.2462% | 5,886 |
| Noninterest expense to average assets | 2.5399% | 5,395 |
| Loan and lease loss provision to assets | 0.0531% | 5,653 |
| Net operating income to assets | 1.1654% | 1,680 |
| Return on assets (ROA) | 1.1654% | 1,754 |
| Pretax return on assets | 1.4595% | 1,642 |
| Return on Equity (ROE) | 12.1856% | 1,441 |
| Retained earnings to average equity (ytd only) | 3.0742% | 4,315 |
| Net charge-offs to loans | 0.0582% | 5,068 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 47.4444% | 651 |
| Efficiency ratio | 62.6748% | 5,462 |
| Assets per employee ($millions) | 5.3095% | 1,747 |
| Cash dividends to net income (ytd only)* | 74.7720% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5964% | 7,140 |
| Loan loss allowance to noncurrent loans | 227.1605% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 6,743 |
| Noncurrent loans to loans | 0.2625% | 6,401 |
| Net loans and leases to total assets | 52.5105% | 5,498 |
| Net loans and leases to deposits | 58.8342% | 5,844 |
| Net loans and leases to core deposits | 67.4656% | 5,345 |
| Total domestic deposits to total assets | 89.2517% | 1,383 |
| Equity capital to assets | 9.4222% | 4,935 |
| Core capital (leverage) ratio | 10.0174% | 3,242 |
| Tier 1 risk-based capital ratio | 19.4739% | 1,721 |
| Total risk-based capital ratio | 20.1887% | 1,828 |
| Memoranda: | ||
| Average total assets | $112,919,000 | 4,633 |
| Average earning assets | $108,355,330 | 4,495 |
| Average equity | $10,799,670 | 4,847 |
| Average total loans | $61,873,670 | 4,874 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 3,955 |
| Cost of funding earning assets | 0.7671% | 5,770 |
| Net interest margin | 4.0538% | 2,459 |
| Noninterest income to average assets | 0.2451% | 5,935 |
| Noninterest expense to average assets | 2.4871% | 5,603 |
| Loan and lease loss provision to assets | 0.0541% | 5,328 |
| Net operating income to assets | 1.3409% | 1,176 |
| Return on assets (ROA) | 1.3409% | 1,223 |
| Pretax return on assets | 1.5896% | 1,220 |
| Return on Equity (ROE) | 13.9111% | 1,006 |
| Retained earnings to average equity (ytd only) | -4.4874% | 6,472 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2094% | 5,955 |
| Assets per employee ($millions) | 5.1471% | 1,964 |
| Cash dividends to net income (ytd only)* | 132.2581% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5999% | 7,204 |
| Loan loss allowance to noncurrent loans | 214.4509% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 6,785 |
| Noncurrent loans to loans | 0.2798% | 6,430 |
| Net loans and leases to total assets | 54.2835% | 5,265 |
| Net loans and leases to deposits | 60.8128% | 5,641 |
| Net loans and leases to core deposits | 70.4702% | 4,984 |
| Total domestic deposits to total assets | 89.2632% | 1,603 |
| Equity capital to assets | 9.3768% | 4,611 |
| Core capital (leverage) ratio | 10.2388% | 2,880 |
| Tier 1 risk-based capital ratio | 19.0133% | 1,798 |
| Total risk-based capital ratio | 19.7339% | 1,918 |
| Memoranda: | ||
| Average total assets | $110,974,000 | 4,712 |
| Average earning assets | $106,369,000 | 4,584 |
| Average equity | $10,696,500 | 4,870 |
| Average total loans | $61,958,000 | 4,907 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 4,212 |
| Cost of funding earning assets | 0.9153% | 6,102 |
| Net interest margin | 4.1589% | 2,329 |
| Noninterest income to average assets | 0.3079% | 5,596 |
| Noninterest expense to average assets | 2.5660% | 5,559 |
| Loan and lease loss provision to assets | 0.0234% | 6,889 |
| Net operating income to assets | 1.2540% | 1,282 |
| Return on assets (ROA) | 1.2540% | 1,353 |
| Pretax return on assets | 1.6985% | 943 |
| Return on Equity (ROE) | 12.6491% | 1,177 |
| Retained earnings to average equity (ytd only) | 4.5216% | 2,709 |
| Net charge-offs to loans | 0.0167% | 6,652 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 141 |
| Efficiency ratio | 59.8429% | 6,071 |
| Assets per employee ($millions) | 4.9414% | 2,232 |
| Cash dividends to net income (ytd only)* | 64.2537% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5735% | 7,292 |
| Loan loss allowance to noncurrent loans | 1,977.7778% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 7,206 |
| Noncurrent loans to loans | 0.0290% | 7,061 |
| Net loans and leases to total assets | 56.7744% | 5,220 |
| Net loans and leases to deposits | 63.9181% | 5,637 |
| Net loans and leases to core deposits | 76.2380% | 4,675 |
| Total domestic deposits to total assets | 88.8236% | 1,756 |
| Equity capital to assets | 9.9116% | 3,867 |
| Core capital (leverage) ratio | 10.5844% | 2,473 |
| Tier 1 risk-based capital ratio | 19.3117% | 1,634 |
| Total risk-based capital ratio | 20.0108% | 1,744 |
| Memoranda: | ||
| Average total assets | $106,857,800 | 4,807 |
| Average earning assets | $102,261,600 | 4,663 |
| Average equity | $10,593,600 | 4,962 |
| Average total loans | $59,969,000 | 5,071 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 4,317 |
| Cost of funding earning assets | 0.9448% | 6,202 |
| Net interest margin | 4.1541% | 2,392 |
| Noninterest income to average assets | 0.2957% | 5,768 |
| Noninterest expense to average assets | 2.4161% | 5,982 |
| Loan and lease loss provision to assets | 0.0313% | 6,759 |
| Net operating income to assets | 1.3697% | 1,173 |
| Return on assets (ROA) | 1.3697% | 1,255 |
| Pretax return on assets | 1.8209% | 890 |
| Return on Equity (ROE) | 13.8156% | 1,071 |
| Retained earnings to average equity (ytd only) | 2.9325% | 4,376 |
| Net charge-offs to loans | 0.0404% | 6,144 |
| Credit loss provision to net charge-offs | 138.8889% | 2,869 |
| Earnings coverage of net charge-offs (x) | 82.1092% | 372 |
| Efficiency ratio | 56.6060% | 6,470 |
| Assets per employee ($millions) | 4.8020% | 2,445 |
| Cash dividends to net income (ytd only)* | 78.7738% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5680% | 7,388 |
| Loan loss allowance to noncurrent loans | 1,740.0000% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 7,315 |
| Noncurrent loans to loans | 0.0326% | 7,167 |
| Net loans and leases to total assets | 57.6648% | 5,307 |
| Net loans and leases to deposits | 65.1558% | 5,767 |
| Net loans and leases to core deposits | 76.6723% | 4,968 |
| Total domestic deposits to total assets | 88.5030% | 1,668 |
| Equity capital to assets | 10.1585% | 3,938 |
| Core capital (leverage) ratio | 10.5500% | 2,638 |
| Tier 1 risk-based capital ratio | 19.3706% | 1,666 |
| Total risk-based capital ratio | 20.0734% | 1,756 |
| Memoranda: | ||
| Average total assets | $106,394,500 | 4,876 |
| Average earning assets | $101,743,500 | 4,734 |
| Average equity | $10,548,250 | 5,039 |
| Average total loans | $59,442,250 | 5,172 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0819% | 4,551 |
| Cost of funding earning assets | 0.9768% | 6,252 |
| Net interest margin | 4.1051% | 2,533 |
| Noninterest income to average assets | 0.2701% | 5,990 |
| Noninterest expense to average assets | 2.4924% | 5,741 |
| Loan and lease loss provision to assets | 0.0469% | 6,500 |
| Net operating income to assets | 1.2434% | 1,443 |
| Return on assets (ROA) | 1.2434% | 1,504 |
| Pretax return on assets | 1.6560% | 1,155 |
| Return on Equity (ROE) | 12.6442% | 1,322 |
| Retained earnings to average equity (ytd only) | 4.4436% | 3,241 |
| Net charge-offs to loans | 0.0612% | 5,535 |
| Credit loss provision to net charge-offs | 138.8889% | 2,889 |
| Earnings coverage of net charge-offs (x) | 50.4444% | 588 |
| Efficiency ratio | 59.4099% | 6,159 |
| Assets per employee ($millions) | 4.8720% | 2,337 |
| Cash dividends to net income (ytd only)* | 64.8567% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5743% | 7,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 56.2085% | 5,673 |
| Net loans and leases to deposits | 63.3681% | 6,102 |
| Net loans and leases to core deposits | 74.5342% | 5,386 |
| Total domestic deposits to total assets | 88.7016% | 1,600 |
| Equity capital to assets | 9.9923% | 4,035 |
| Core capital (leverage) ratio | 10.3637% | 2,755 |
| Tier 1 risk-based capital ratio | 19.3271% | 1,641 |
| Total risk-based capital ratio | 20.0282% | 1,745 |
| Memoranda: | ||
| Average total assets | $106,644,330 | 4,897 |
| Average earning assets | $101,970,000 | 4,748 |
| Average equity | $10,487,000 | 5,065 |
| Average total loans | $58,833,670 | 5,234 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0659% | 4,698 |
| Cost of funding earning assets | 1.0116% | 6,324 |
| Net interest margin | 4.0543% | 2,634 |
| Noninterest income to average assets | 0.2482% | 6,165 |
| Noninterest expense to average assets | 2.3840% | 6,149 |
| Loan and lease loss provision to assets | 0.0564% | 6,093 |
| Net operating income to assets | 1.3612% | 1,160 |
| Return on assets (ROA) | 1.3612% | 1,229 |
| Pretax return on assets | 1.6808% | 1,095 |
| Return on Equity (ROE) | 13.9560% | 1,058 |
| Retained earnings to average equity (ytd only) | -2.6216% | 6,314 |
| Net charge-offs to loans | 0.1311% | 4,171 |
| Credit loss provision to net charge-offs | 78.9474% | 3,903 |
| Earnings coverage of net charge-offs (x) | 24.3158% | 1,022 |
| Efficiency ratio | 57.8467% | 6,511 |
| Assets per employee ($millions) | 4.9384% | 2,317 |
| Cash dividends to net income (ytd only)* | 118.7845% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5734% | 7,533 |
| Loan loss allowance to noncurrent loans | 1,685.0000% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 7,450 |
| Noncurrent loans to loans | 0.0340% | 7,330 |
| Net loans and leases to total assets | 53.7880% | 6,053 |
| Net loans and leases to deposits | 60.3349% | 6,434 |
| Net loans and leases to core deposits | 70.4794% | 5,876 |
| Total domestic deposits to total assets | 89.1491% | 1,440 |
| Equity capital to assets | 9.5264% | 4,494 |
| Core capital (leverage) ratio | 10.1691% | 2,960 |
| Tier 1 risk-based capital ratio | 18.9037% | 1,740 |
| Total risk-based capital ratio | 19.5893% | 1,831 |
| Memoranda: | ||
| Average total assets | $106,375,000 | 4,970 |
| Average earning assets | $101,620,000 | 4,829 |
| Average equity | $10,375,500 | 5,135 |
| Average total loans | $57,953,500 | 5,339 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1073% | 6,059 |
| Cost of funding earning assets | 1.1254% | 6,900 |
| Net interest margin | 3.9819% | 2,933 |
| Noninterest income to average assets | 0.2958% | 5,997 |
| Noninterest expense to average assets | 2.7186% | 5,301 |
| Loan and lease loss provision to assets | 0.1336% | 6,304 |
| Net operating income to assets | 0.9685% | 1,946 |
| Return on assets (ROA) | 0.9685% | 2,005 |
| Pretax return on assets | 1.2554% | 1,818 |
| Return on Equity (ROE) | 9.5764% | 1,828 |
| Retained earnings to average equity (ytd only) | 1.1543% | 4,240 |
| Net charge-offs to loans | 0.3040% | 4,732 |
| Credit loss provision to net charge-offs | 83.3333% | 6,212 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 1,912 |
| Efficiency ratio | 66.1850% | 5,362 |
| Assets per employee ($millions) | 4.7320% | 2,565 |
| Cash dividends to net income (ytd only)* | 87.9469% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5969% | 7,559 |
| Loan loss allowance to noncurrent loans | 2,841.6667% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 7,502 |
| Noncurrent loans to loans | 0.0210% | 7,387 |
| Net loans and leases to total assets | 54.5517% | 6,138 |
| Net loans and leases to deposits | 61.5267% | 6,514 |
| Net loans and leases to core deposits | 79.1457% | 6,172 |
| Total domestic deposits to total assets | 88.6634% | 1,648 |
| Equity capital to assets | 9.9909% | 3,779 |
| Core capital (leverage) ratio | 10.5885% | 2,514 |
| Tier 1 risk-based capital ratio | 19.5266% | 1,560 |
| Total risk-based capital ratio | 20.2376% | 1,621 |
| Memoranda: | ||
| Average total assets | $101,079,800 | 5,059 |
| Average earning assets | $96,763,000 | 4,931 |
| Average equity | $10,223,000 | 5,233 |
| Average total loans | $53,289,200 | 5,535 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 6,264 |
| Cost of funding earning assets | 1.1398% | 7,066 |
| Net interest margin | 3.9607% | 2,990 |
| Noninterest income to average assets | 0.2884% | 6,174 |
| Noninterest expense to average assets | 2.5410% | 5,935 |
| Loan and lease loss provision to assets | 0.0930% | 6,434 |
| Net operating income to assets | 1.1270% | 1,648 |
| Return on assets (ROA) | 1.1270% | 1,719 |
| Pretax return on assets | 1.4460% | 1,579 |
| Return on Equity (ROE) | 11.1081% | 1,592 |
| Retained earnings to average equity (ytd only) | -0.1703% | 5,254 |
| Net charge-offs to loans | 0.2319% | 4,607 |
| Credit loss provision to net charge-offs | 76.9231% | 5,835 |
| Earnings coverage of net charge-offs (x) | 12.7253% | 1,732 |
| Efficiency ratio | 62.2801% | 6,059 |
| Assets per employee ($millions) | 4.7600% | 2,460 |
| Cash dividends to net income (ytd only)* | 101.5328% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6618% | 7,463 |
| Loan loss allowance to noncurrent loans | 214.6341% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 7,151 |
| Noncurrent loans to loans | 0.3083% | 6,750 |
| Net loans and leases to total assets | 50.4545% | 6,741 |
| Net loans and leases to deposits | 56.8441% | 7,035 |
| Net loans and leases to core deposits | 68.5594% | 7,043 |
| Total domestic deposits to total assets | 88.7595% | 1,308 |
| Equity capital to assets | 9.7059% | 4,487 |
| Core capital (leverage) ratio | 10.9548% | 2,438 |
| Tier 1 risk-based capital ratio | 20.0742% | 1,544 |
| Total risk-based capital ratio | 20.8249% | 1,592 |
| Memoranda: | ||
| Average total assets | $100,323,500 | 5,115 |
| Average earning assets | $96,041,000 | 4,978 |
| Average equity | $10,178,500 | 5,293 |
| Average total loans | $52,328,500 | 5,624 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1715% | 6,186 |
| Cost of funding earning assets | 1.1657% | 7,201 |
| Net interest margin | 4.0059% | 2,674 |
| Noninterest income to average assets | 0.2772% | 6,280 |
| Noninterest expense to average assets | 2.6260% | 5,633 |
| Loan and lease loss provision to assets | 0.0607% | 6,613 |
| Net operating income to assets | 1.1147% | 1,723 |
| Return on assets (ROA) | 1.1147% | 1,802 |
| Pretax return on assets | 1.4283% | 1,647 |
| Return on Equity (ROE) | 10.8216% | 1,751 |
| Retained earnings to average equity (ytd only) | 2.3764% | 4,010 |
| Net charge-offs to loans | 0.2344% | 4,031 |
| Credit loss provision to net charge-offs | 49.1803% | 5,778 |
| Earnings coverage of net charge-offs (x) | 12.0656% | 1,851 |
| Efficiency ratio | 63.8151% | 5,950 |
| Assets per employee ($millions) | 4.5878% | 2,633 |
| Cash dividends to net income (ytd only)* | 78.0399% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6545% | 7,536 |
| Loan loss allowance to noncurrent loans | 192.8571% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 7,089 |
| Noncurrent loans to loans | 0.3394% | 6,667 |
| Net loans and leases to total assets | 52.7831% | 6,590 |
| Net loans and leases to deposits | 59.8474% | 6,901 |
| Net loans and leases to core deposits | 70.3914% | 6,998 |
| Total domestic deposits to total assets | 88.1960% | 1,671 |
| Equity capital to assets | 10.2029% | 3,717 |
| Core capital (leverage) ratio | 11.1841% | 2,271 |
| Tier 1 risk-based capital ratio | 20.2858% | 1,518 |
| Total risk-based capital ratio | 21.0168% | 1,579 |
| Memoranda: | ||
| Average total assets | $98,858,000 | 5,190 |
| Average earning assets | $94,710,670 | 5,052 |
| Average equity | $10,183,330 | 5,312 |
| Average total loans | $52,042,000 | 5,674 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1659% | 6,424 |
| Cost of funding earning assets | 1.1879% | 7,328 |
| Net interest margin | 3.9781% | 2,737 |
| Noninterest income to average assets | 0.2617% | 6,361 |
| Noninterest expense to average assets | 2.3799% | 6,261 |
| Loan and lease loss provision to assets | 0.0409% | 6,456 |
| Net operating income to assets | 1.3412% | 1,283 |
| Return on assets (ROA) | 1.3412% | 1,376 |
| Pretax return on assets | 1.6479% | 1,296 |
| Return on Equity (ROE) | 12.9567% | 1,403 |
| Retained earnings to average equity (ytd only) | -4.0292% | 6,430 |
| Net charge-offs to loans | 0.3590% | 2,652 |
| Credit loss provision to net charge-offs | 21.7391% | 5,057 |
| Earnings coverage of net charge-offs (x) | 8.9783% | 2,120 |
| Efficiency ratio | 58.4925% | 6,626 |
| Assets per employee ($millions) | 4.5331% | 2,665 |
| Cash dividends to net income (ytd only)* | 131.0976% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6806% | 7,505 |
| Loan loss allowance to noncurrent loans | 279.0323% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 7,212 |
| Noncurrent loans to loans | 0.2439% | 6,838 |
| Net loans and leases to total assets | 50.6257% | 6,801 |
| Net loans and leases to deposits | 57.3434% | 7,081 |
| Net loans and leases to core deposits | 69.7021% | 7,038 |
| Total domestic deposits to total assets | 88.2851% | 1,585 |
| Equity capital to assets | 10.1025% | 3,882 |
| Core capital (leverage) ratio | 10.9200% | 2,567 |
| Tier 1 risk-based capital ratio | 20.5506% | 1,514 |
| Total risk-based capital ratio | 21.2969% | 1,570 |
| Memoranda: | ||
| Average total assets | $97,821,000 | 5,244 |
| Average earning assets | $93,613,500 | 5,099 |
| Average equity | $10,126,000 | 5,344 |
| Average total loans | $51,250,000 | 5,744 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5279% | 7,230 |
| Cost of funding earning assets | 1.5872% | 7,475 |
| Net interest margin | 3.9407% | 3,400 |
| Noninterest income to average assets | 0.3577% | 5,863 |
| Noninterest expense to average assets | 2.4064% | 6,367 |
| Loan and lease loss provision to assets | 0.0688% | 6,531 |
| Net operating income to assets | 1.1978% | 1,774 |
| Return on assets (ROA) | 1.1978% | 1,705 |
| Pretax return on assets | 1.6168% | 1,339 |
| Return on Equity (ROE) | 10.5802% | 2,057 |
| Retained earnings to average equity (ytd only) | 2.3912% | 3,713 |
| Net charge-offs to loans | 0.0775% | 5,656 |
| Credit loss provision to net charge-offs | 164.1026% | 3,141 |
| Earnings coverage of net charge-offs (x) | 40.2308% | 925 |
| Efficiency ratio | 58.8081% | 6,555 |
| Assets per employee ($millions) | 4.3597% | 2,862 |
| Cash dividends to net income (ytd only)* | 77.3991% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7452% | 7,309 |
| Loan loss allowance to noncurrent loans | 127.0627% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 6,343 |
| Noncurrent loans to loans | 0.5865% | 5,617 |
| Net loans and leases to total assets | 53.4656% | 6,711 |
| Net loans and leases to deposits | 60.8908% | 7,021 |
| Net loans and leases to core deposits | 75.0435% | 6,912 |
| Total domestic deposits to total assets | 87.8057% | 1,557 |
| Equity capital to assets | 10.6105% | 3,377 |
| Core capital (leverage) ratio | 11.1074% | 2,504 |
| Tier 1 risk-based capital ratio | 20.8776% | 1,470 |
| Total risk-based capital ratio | 21.6976% | 1,508 |
| Memoranda: | ||
| Average total assets | $93,086,600 | 5,258 |
| Average earning assets | $88,207,400 | 5,143 |
| Average equity | $10,538,600 | 5,250 |
| Average total loans | $50,318,800 | 5,693 |