Home > Chillicothe State Bank > Performance and Condition Ratios
Chillicothe State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 4,282 |
| Cost of funding earning assets | 0.5635% | 4,127 |
| Net interest margin | 3.1229% | 3,044 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.3320% | 2,767 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7254% | 3,117 |
| Return on assets (ROA) | 0.7254% | 3,099 |
| Pretax return on assets | 0.9276% | 2,883 |
| Return on Equity (ROE) | 11.0700% | 2,206 |
| Retained earnings to average equity (ytd only) | -3.5153% | 4,352 |
| Net charge-offs to loans | 0.0159% | 2,064 |
| Credit loss provision to net charge-offs | 309.0909% | 936 |
| Earnings coverage of net charge-offs (x) | 123.1818% | 809 |
| Efficiency ratio | 71.0222% | 1,757 |
| Assets per employee ($millions) | 5.9864% | 2,833 |
| Cash dividends to net income (ytd only)* | 131.7522% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 756 |
| Loan loss allowance to noncurrent loans | 190.4040% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 1,348 |
| Noncurrent loans to loans | 0.8681% | 879 |
| Net loans and leases to total assets | 46.8400% | 3,780 |
| Net loans and leases to deposits | 50.7068% | 3,927 |
| Net loans and leases to core deposits | 50.8420% | 4,070 |
| Total domestic deposits to total assets | 92.3700% | 247 |
| Equity capital to assets | 7.0528% | 3,916 |
| Core capital (leverage) ratio | 9.0508% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7488% | 496 |
| Memoranda: | ||
| Average total assets | $142,410,600 | 3,439 |
| Average earning assets | $134,524,200 | 3,397 |
| Average equity | $9,330,600 | 3,788 |
| Average total loans | $68,973,600 | 3,565 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 4,328 |
| Cost of funding earning assets | 0.5166% | 4,109 |
| Net interest margin | 3.0626% | 3,215 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.3261% | 2,713 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.6906% | 3,346 |
| Return on assets (ROA) | 0.6906% | 3,326 |
| Pretax return on assets | 0.8783% | 3,150 |
| Return on Equity (ROE) | 10.7500% | 2,434 |
| Retained earnings to average equity (ytd only) | -2.1175% | 4,326 |
| Net charge-offs to loans | 0.0193% | 1,742 |
| Credit loss provision to net charge-offs | 250.0000% | 984 |
| Earnings coverage of net charge-offs (x) | 96.1000% | 936 |
| Efficiency ratio | 72.0640% | 1,560 |
| Assets per employee ($millions) | 4.7992% | 3,740 |
| Cash dividends to net income (ytd only)* | 119.7011% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 880 |
| Loan loss allowance to noncurrent loans | 197.0175% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 1,414 |
| Noncurrent loans to loans | 0.8130% | 1,017 |
| Net loans and leases to total assets | 49.5700% | 3,648 |
| Net loans and leases to deposits | 53.4043% | 3,812 |
| Net loans and leases to core deposits | 53.9080% | 3,934 |
| Total domestic deposits to total assets | 92.8100% | 329 |
| Equity capital to assets | 6.5405% | 3,819 |
| Core capital (leverage) ratio | 9.3015% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1485% | 542 |
| Memoranda: | ||
| Average total assets | $142,094,750 | 3,448 |
| Average earning assets | $134,218,250 | 3,408 |
| Average equity | $9,130,000 | 3,812 |
| Average total loans | $69,110,750 | 3,577 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4926% | 4,353 |
| Cost of funding earning assets | 0.4371% | 4,103 |
| Net interest margin | 3.0554% | 3,314 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.3793% | 2,558 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.6403% | 3,486 |
| Return on assets (ROA) | 0.6403% | 3,497 |
| Pretax return on assets | 0.8220% | 3,347 |
| Return on Equity (ROE) | 10.0200% | 2,692 |
| Retained earnings to average equity (ytd only) | -9.2570% | 4,500 |
| Net charge-offs to loans | 0.0116% | 1,760 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 150.7500% | 750 |
| Efficiency ratio | 73.8395% | 1,362 |
| Assets per employee ($millions) | 4.8071% | 3,743 |
| Cash dividends to net income (ytd only)* | 192.3581% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 949 |
| Loan loss allowance to noncurrent loans | 191.9383% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 1,278 |
| Noncurrent loans to loans | 0.8297% | 926 |
| Net loans and leases to total assets | 49.6000% | 3,584 |
| Net loans and leases to deposits | 53.4028% | 3,781 |
| Net loans and leases to core deposits | 53.9032% | 3,893 |
| Total domestic deposits to total assets | 92.8800% | 269 |
| Equity capital to assets | 6.5507% | 3,980 |
| Core capital (leverage) ratio | 8.9563% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7994% | 569 |
| Memoranda: | ||
| Average total assets | $143,067,000 | 3,446 |
| Average earning assets | $134,973,000 | 3,412 |
| Average equity | $9,139,000 | 3,833 |
| Average total loans | $68,778,333 | 3,587 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3831% | 4,383 |
| Cost of funding earning assets | 0.3129% | 4,160 |
| Net interest margin | 3.0703% | 3,421 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.2471% | 2,967 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.7509% | 3,344 |
| Return on assets (ROA) | 0.7509% | 3,297 |
| Pretax return on assets | 0.9690% | 3,084 |
| Return on Equity (ROE) | 11.9000% | 2,245 |
| Retained earnings to average equity (ytd only) | -26.6448% | 4,629 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.4539% | 1,807 |
| Assets per employee ($millions) | 5.3408% | 3,370 |
| Cash dividends to net income (ytd only)* | 323.8971% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 987 |
| Loan loss allowance to noncurrent loans | 201.6275% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 1,344 |
| Noncurrent loans to loans | 0.8001% | 964 |
| Net loans and leases to total assets | 47.1500% | 3,697 |
| Net loans and leases to deposits | 50.6744% | 3,859 |
| Net loans and leases to core deposits | 51.2280% | 3,944 |
| Total domestic deposits to total assets | 93.0500% | 301 |
| Equity capital to assets | 6.3390% | 4,092 |
| Core capital (leverage) ratio | 8.4609% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1039% | 832 |
| Memoranda: | ||
| Average total assets | $144,897,500 | 3,475 |
| Average earning assets | $136,796,000 | 3,444 |
| Average equity | $9,142,500 | 3,878 |
| Average total loans | $68,035,000 | 3,639 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9322% | 4,208 |
| Cost of funding earning assets | 0.1364% | 4,198 |
| Net interest margin | 2.7958% | 3,904 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.0959% | 3,304 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7558% | 3,471 |
| Return on assets (ROA) | 0.7558% | 3,407 |
| Pretax return on assets | 0.8467% | 3,494 |
| Return on Equity (ROE) | 11.4200% | 2,333 |
| Retained earnings to average equity (ytd only) | 11.4245% | 803 |
| Net charge-offs to loans | 0.0449% | 1,239 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 41.9667% | 1,474 |
| Efficiency ratio | 70.7277% | 1,593 |
| Assets per employee ($millions) | 5.5997% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 869 |
| Loan loss allowance to noncurrent loans | 180.1626% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 1,218 |
| Noncurrent loans to loans | 0.9185% | 807 |
| Net loans and leases to total assets | 45.2300% | 3,836 |
| Net loans and leases to deposits | 48.5365% | 3,954 |
| Net loans and leases to core deposits | 49.2428% | 4,007 |
| Total domestic deposits to total assets | 93.1800% | 371 |
| Equity capital to assets | 6.2805% | 3,985 |
| Core capital (leverage) ratio | 9.2296% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1704% | 467 |
| Memoranda: | ||
| Average total assets | $145,143,600 | 3,491 |
| Average earning assets | $137,850,400 | 3,441 |
| Average equity | $9,602,200 | 3,918 |
| Average total loans | $66,824,000 | 3,631 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8512% | 4,126 |
| Cost of funding earning assets | 0.1205% | 4,119 |
| Net interest margin | 2.7307% | 3,869 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.9922% | 3,504 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8007% | 3,264 |
| Return on assets (ROA) | 0.8007% | 3,219 |
| Pretax return on assets | 0.8476% | 3,480 |
| Return on Equity (ROE) | 11.9500% | 2,048 |
| Retained earnings to average equity (ytd only) | 11.9516% | 805 |
| Net charge-offs to loans | 0.0539% | 944 |
| Credit loss provision to net charge-offs | 85.1852% | 1,399 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,445 |
| Efficiency ratio | 69.6337% | 1,805 |
| Assets per employee ($millions) | 5.0393% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 1,015 |
| Loan loss allowance to noncurrent loans | 215.6250% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 1,488 |
| Noncurrent loans to loans | 0.7557% | 1,072 |
| Net loans and leases to total assets | 47.2400% | 3,685 |
| Net loans and leases to deposits | 50.4466% | 3,828 |
| Net loans and leases to core deposits | 51.1995% | 3,892 |
| Total domestic deposits to total assets | 93.6400% | 425 |
| Equity capital to assets | 5.7916% | 4,039 |
| Core capital (leverage) ratio | 8.8627% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1688% | 547 |
| Memoranda: | ||
| Average total assets | $145,031,250 | 3,509 |
| Average earning assets | $138,326,250 | 3,460 |
| Average equity | $9,716,750 | 3,949 |
| Average total loans | $66,790,750 | 3,653 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7467% | 4,070 |
| Cost of funding earning assets | 0.1173% | 3,993 |
| Net interest margin | 2.6294% | 3,854 |
| Noninterest income to average assets | 0.2515% | 3,664 |
| Noninterest expense to average assets | 1.9133% | 3,671 |
| Loan and lease loss provision to assets | 0.0205% | 2,234 |
| Net operating income to assets | 0.8528% | 2,762 |
| Return on assets (ROA) | 0.8528% | 2,741 |
| Pretax return on assets | 0.8296% | 3,252 |
| Return on Equity (ROE) | 12.1974% | 1,620 |
| Retained earnings to average equity (ytd only) | 12.1974% | 579 |
| Net charge-offs to loans | -0.0060% | 3,403 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2384% | 2,070 |
| Assets per employee ($millions) | 6.0880% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 986 |
| Loan loss allowance to noncurrent loans | 205.6673% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 1,493 |
| Noncurrent loans to loans | 0.8182% | 1,051 |
| Net loans and leases to total assets | 44.9857% | 3,760 |
| Net loans and leases to deposits | 48.3152% | 3,903 |
| Net loans and leases to core deposits | 48.9230% | 3,985 |
| Total domestic deposits to total assets | 93.1087% | 492 |
| Equity capital to assets | 6.3431% | 4,084 |
| Core capital (leverage) ratio | 8.4779% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9407% | 539 |
| Memoranda: | ||
| Average total assets | $146,341,333 | 3,540 |
| Average earning assets | $139,804,000 | 3,494 |
| Average equity | $10,231,667 | 3,960 |
| Average total loans | $66,469,333 | 3,688 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6480% | 4,039 |
| Cost of funding earning assets | 0.1170% | 3,928 |
| Net interest margin | 2.5310% | 3,831 |
| Noninterest income to average assets | 0.2485% | 3,657 |
| Noninterest expense to average assets | 1.9173% | 3,643 |
| Loan and lease loss provision to assets | 0.0218% | 1,960 |
| Net operating income to assets | 0.9914% | 1,909 |
| Return on assets (ROA) | 0.9914% | 1,906 |
| Pretax return on assets | 0.7320% | 3,303 |
| Return on Equity (ROE) | 13.5530% | 920 |
| Retained earnings to average equity (ytd only) | 13.5530% | 414 |
| Net charge-offs to loans | -0.0060% | 3,402 |
| Credit loss provision to net charge-offs | -800.0000% | 3,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7791% | 2,005 |
| Assets per employee ($millions) | 5.6833% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 1,063 |
| Loan loss allowance to noncurrent loans | 224.7485% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 1,765 |
| Noncurrent loans to loans | 0.7545% | 1,262 |
| Net loans and leases to total assets | 43.8217% | 3,751 |
| Net loans and leases to deposits | 47.2491% | 3,914 |
| Net loans and leases to core deposits | 47.6619% | 3,999 |
| Total domestic deposits to total assets | 92.7460% | 330 |
| Equity capital to assets | 6.6970% | 4,342 |
| Core capital (leverage) ratio | 8.4127% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8562% | 573 |
| Memoranda: | ||
| Average total assets | $146,456,500 | 3,548 |
| Average earning assets | $140,182,000 | 3,501 |
| Average equity | $10,713,500 | 3,981 |
| Average total loans | $66,277,000 | 3,694 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0175% | 3,845 |
| Cost of funding earning assets | 0.1599% | 3,868 |
| Net interest margin | 2.8575% | 3,536 |
| Noninterest income to average assets | 0.2935% | 3,644 |
| Noninterest expense to average assets | 2.0994% | 3,393 |
| Loan and lease loss provision to assets | 0.0420% | 2,210 |
| Net operating income to assets | 0.8931% | 3,069 |
| Return on assets (ROA) | 0.9443% | 2,961 |
| Pretax return on assets | 0.9443% | 3,387 |
| Return on Equity (ROE) | 11.4425% | 2,005 |
| Retained earnings to average equity (ytd only) | 6.6720% | 2,048 |
| Net charge-offs to loans | 0.0146% | 2,022 |
| Credit loss provision to net charge-offs | 600.0000% | 725 |
| Earnings coverage of net charge-offs (x) | 133.5000% | 728 |
| Efficiency ratio | 69.1828% | 1,835 |
| Assets per employee ($millions) | 5.5825% | 3,182 |
| Cash dividends to net income (ytd only)* | 41.6914% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 1,138 |
| Loan loss allowance to noncurrent loans | 218.1102% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 1,824 |
| Noncurrent loans to loans | 0.7618% | 1,333 |
| Net loans and leases to total assets | 45.1786% | 3,753 |
| Net loans and leases to deposits | 49.3405% | 3,925 |
| Net loans and leases to core deposits | 49.7844% | 4,023 |
| Total domestic deposits to total assets | 91.5650% | 294 |
| Equity capital to assets | 7.9444% | 4,390 |
| Core capital (leverage) ratio | 8.3942% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4398% | 609 |
| Memoranda: | ||
| Average total assets | $142,753,600 | 3,557 |
| Average earning assets | $136,936,000 | 3,508 |
| Average equity | $11,780,600 | 3,957 |
| Average total loans | $68,383,600 | 3,676 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1008% | 3,806 |
| Cost of funding earning assets | 0.1691% | 3,934 |
| Net interest margin | 2.9317% | 3,477 |
| Noninterest income to average assets | 0.2983% | 3,653 |
| Noninterest expense to average assets | 2.1188% | 3,307 |
| Loan and lease loss provision to assets | 0.0422% | 2,149 |
| Net operating income to assets | 0.9510% | 3,074 |
| Return on assets (ROA) | 1.0195% | 2,900 |
| Pretax return on assets | 1.0195% | 3,394 |
| Return on Equity (ROE) | 12.2376% | 1,966 |
| Retained earnings to average equity (ytd only) | 5.9218% | 2,860 |
| Net charge-offs to loans | 0.0058% | 2,112 |
| Credit loss provision to net charge-offs | 1,500.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 353.0000% | 395 |
| Efficiency ratio | 68.0832% | 1,818 |
| Assets per employee ($millions) | 5.4536% | 3,247 |
| Cash dividends to net income (ytd only)* | 51.6099% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 1,219 |
| Loan loss allowance to noncurrent loans | 117.2708% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 1,138 |
| Noncurrent loans to loans | 1.4095% | 755 |
| Net loans and leases to total assets | 46.1588% | 3,779 |
| Net loans and leases to deposits | 50.6865% | 3,973 |
| Net loans and leases to core deposits | 51.1548% | 4,077 |
| Total domestic deposits to total assets | 91.0673% | 348 |
| Equity capital to assets | 8.3375% | 4,316 |
| Core capital (leverage) ratio | 8.2118% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1375% | 681 |
| Memoranda: | ||
| Average total assets | $142,155,500 | 3,604 |
| Average earning assets | $136,435,250 | 3,550 |
| Average equity | $11,843,000 | 4,001 |
| Average total loans | $68,808,750 | 3,723 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9573% | 4,120 |
| Cost of funding earning assets | 0.1788% | 3,961 |
| Net interest margin | 2.7785% | 3,835 |
| Noninterest income to average assets | 0.2896% | 3,687 |
| Noninterest expense to average assets | 2.0706% | 3,486 |
| Loan and lease loss provision to assets | 0.0422% | 2,167 |
| Net operating income to assets | 0.8420% | 3,386 |
| Return on assets (ROA) | 0.9446% | 3,161 |
| Pretax return on assets | 0.9446% | 3,561 |
| Return on Equity (ROE) | 11.3418% | 2,289 |
| Retained earnings to average equity (ytd only) | 11.3418% | 1,050 |
| Net charge-offs to loans | 0.0086% | 1,814 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 209.6667% | 483 |
| Efficiency ratio | 70.0761% | 1,626 |
| Assets per employee ($millions) | 5.8041% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 1,357 |
| Loan loss allowance to noncurrent loans | 168.7403% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 1,856 |
| Noncurrent loans to loans | 0.9302% | 1,327 |
| Net loans and leases to total assets | 46.8915% | 3,836 |
| Net loans and leases to deposits | 51.4301% | 4,024 |
| Net loans and leases to core deposits | 51.8926% | 4,142 |
| Total domestic deposits to total assets | 91.1752% | 315 |
| Equity capital to assets | 8.2665% | 4,382 |
| Core capital (leverage) ratio | 8.1470% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5991% | 746 |
| Memoranda: | ||
| Average total assets | $142,276,333 | 3,608 |
| Average earning assets | $136,475,000 | 3,556 |
| Average equity | $11,850,000 | 4,006 |
| Average total loans | $69,561,667 | 3,734 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0175% | 4,039 |
| Cost of funding earning assets | 0.1927% | 3,983 |
| Net interest margin | 2.8248% | 3,700 |
| Noninterest income to average assets | 0.2925% | 3,659 |
| Noninterest expense to average assets | 2.1950% | 3,126 |
| Loan and lease loss provision to assets | 0.0426% | 2,211 |
| Net operating income to assets | 0.7610% | 3,543 |
| Return on assets (ROA) | 0.7610% | 3,615 |
| Pretax return on assets | 0.7610% | 3,883 |
| Return on Equity (ROE) | 9.1021% | 3,001 |
| Retained earnings to average equity (ytd only) | 9.1021% | 1,919 |
| Net charge-offs to loans | 0.0229% | 1,285 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 70.7500% | 755 |
| Efficiency ratio | 73.2008% | 1,380 |
| Assets per employee ($millions) | 5.5288% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 1,463 |
| Loan loss allowance to noncurrent loans | 171.5891% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 2,095 |
| Noncurrent loans to loans | 0.8975% | 1,510 |
| Net loans and leases to total assets | 47.5454% | 3,854 |
| Net loans and leases to deposits | 52.0493% | 4,041 |
| Net loans and leases to core deposits | 52.5201% | 4,173 |
| Total domestic deposits to total assets | 91.3467% | 285 |
| Equity capital to assets | 8.1155% | 4,421 |
| Core capital (leverage) ratio | 8.2104% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6393% | 833 |
| Memoranda: | ||
| Average total assets | $140,863,000 | 3,631 |
| Average earning assets | $134,945,500 | 3,576 |
| Average equity | $11,777,500 | 4,020 |
| Average total loans | $69,779,500 | 3,743 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6569% | 3,682 |
| Cost of funding earning assets | 0.3897% | 3,649 |
| Net interest margin | 3.2672% | 3,165 |
| Noninterest income to average assets | 0.4222% | 3,008 |
| Noninterest expense to average assets | 2.1967% | 3,673 |
| Loan and lease loss provision to assets | 0.0462% | 3,821 |
| Net operating income to assets | 1.2829% | 1,298 |
| Return on assets (ROA) | 1.2829% | 1,399 |
| Pretax return on assets | 1.2798% | 2,047 |
| Return on Equity (ROE) | 14.4223% | 730 |
| Retained earnings to average equity (ytd only) | 6.3146% | 1,659 |
| Net charge-offs to loans | 0.1019% | 1,453 |
| Credit loss provision to net charge-offs | 82.1918% | 2,973 |
| Earnings coverage of net charge-offs (x) | 23.5753% | 1,798 |
| Efficiency ratio | 62.3578% | 3,066 |
| Assets per employee ($millions) | 5.3068% | 3,043 |
| Cash dividends to net income (ytd only)* | 56.2162% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,550 |
| Loan loss allowance to noncurrent loans | 164.7975% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 2,164 |
| Noncurrent loans to loans | 0.9153% | 1,538 |
| Net loans and leases to total assets | 50.0707% | 3,820 |
| Net loans and leases to deposits | 55.1136% | 4,068 |
| Net loans and leases to core deposits | 55.6347% | 4,171 |
| Total domestic deposits to total assets | 90.8499% | 261 |
| Equity capital to assets | 8.6167% | 4,358 |
| Core capital (leverage) ratio | 8.2686% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0009% | 903 |
| Memoranda: | ||
| Average total assets | $129,784,600 | 3,627 |
| Average earning assets | $123,163,800 | 3,594 |
| Average equity | $11,544,600 | 4,024 |
| Average total loans | $71,647,800 | 3,692 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7023% | 3,797 |
| Cost of funding earning assets | 0.4424% | 3,567 |
| Net interest margin | 3.2599% | 3,309 |
| Noninterest income to average assets | 0.3476% | 3,384 |
| Noninterest expense to average assets | 2.2410% | 3,575 |
| Loan and lease loss provision to assets | 0.0470% | 3,771 |
| Net operating income to assets | 1.1555% | 1,801 |
| Return on assets (ROA) | 1.1555% | 1,918 |
| Pretax return on assets | 1.1513% | 2,563 |
| Return on Equity (ROE) | 12.8809% | 1,146 |
| Retained earnings to average equity (ytd only) | 9.5298% | 861 |
| Net charge-offs to loans | 0.1351% | 1,073 |
| Credit loss provision to net charge-offs | 61.6438% | 2,845 |
| Earnings coverage of net charge-offs (x) | 15.7260% | 2,089 |
| Efficiency ratio | 65.1593% | 2,568 |
| Assets per employee ($millions) | 5.2671% | 2,928 |
| Cash dividends to net income (ytd only)* | 26.0163% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,584 |
| Loan loss allowance to noncurrent loans | 150.2882% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 2,176 |
| Noncurrent loans to loans | 0.9565% | 1,579 |
| Net loans and leases to total assets | 52.2210% | 3,953 |
| Net loans and leases to deposits | 57.6717% | 4,180 |
| Net loans and leases to core deposits | 58.3397% | 4,285 |
| Total domestic deposits to total assets | 90.5488% | 273 |
| Equity capital to assets | 8.8130% | 4,244 |
| Core capital (leverage) ratio | 8.6053% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5002% | 972 |
| Memoranda: | ||
| Average total assets | $127,736,500 | 3,644 |
| Average earning assets | $121,146,000 | 3,606 |
| Average equity | $11,458,500 | 4,044 |
| Average total loans | $72,023,750 | 3,704 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 3,680 |
| Cost of funding earning assets | 0.5069% | 3,489 |
| Net interest margin | 3.3720% | 3,183 |
| Noninterest income to average assets | 0.3706% | 3,254 |
| Noninterest expense to average assets | 2.2973% | 3,522 |
| Loan and lease loss provision to assets | 0.0481% | 3,697 |
| Net operating income to assets | 1.2225% | 1,577 |
| Return on assets (ROA) | 1.2225% | 1,702 |
| Pretax return on assets | 1.2160% | 2,310 |
| Return on Equity (ROE) | 13.5406% | 968 |
| Retained earnings to average equity (ytd only) | 8.4229% | 1,185 |
| Net charge-offs to loans | 0.1976% | 778 |
| Credit loss provision to net charge-offs | 42.2535% | 2,664 |
| Earnings coverage of net charge-offs (x) | 11.0986% | 2,115 |
| Efficiency ratio | 64.5045% | 2,747 |
| Assets per employee ($millions) | 4.9714% | 3,205 |
| Cash dividends to net income (ytd only)* | 37.7953% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,512 |
| Loan loss allowance to noncurrent loans | 148.4150% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 2,206 |
| Noncurrent loans to loans | 0.9576% | 1,615 |
| Net loans and leases to total assets | 55.2733% | 3,753 |
| Net loans and leases to deposits | 61.2848% | 4,054 |
| Net loans and leases to core deposits | 61.9872% | 4,176 |
| Total domestic deposits to total assets | 90.1908% | 347 |
| Equity capital to assets | 9.1238% | 3,982 |
| Core capital (leverage) ratio | 8.5356% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4829% | 982 |
| Memoranda: | ||
| Average total assets | $124,667,000 | 3,669 |
| Average earning assets | $117,970,333 | 3,618 |
| Average equity | $11,255,000 | 4,075 |
| Average total loans | $71,846,000 | 3,720 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 3,689 |
| Cost of funding earning assets | 0.5757% | 3,562 |
| Net interest margin | 3.4614% | 3,112 |
| Noninterest income to average assets | 0.4282% | 2,915 |
| Noninterest expense to average assets | 2.3862% | 3,558 |
| Loan and lease loss provision to assets | 0.0490% | 3,164 |
| Net operating income to assets | 1.2683% | 1,333 |
| Return on assets (ROA) | 1.2683% | 1,430 |
| Pretax return on assets | 1.2552% | 2,018 |
| Return on Equity (ROE) | 14.1271% | 671 |
| Retained earnings to average equity (ytd only) | 3.6410% | 2,827 |
| Net charge-offs to loans | 0.0727% | 1,302 |
| Credit loss provision to net charge-offs | 115.3846% | 1,721 |
| Earnings coverage of net charge-offs (x) | 30.6923% | 1,168 |
| Efficiency ratio | 64.6590% | 3,122 |
| Assets per employee ($millions) | 4.7608% | 2,918 |
| Cash dividends to net income (ytd only)* | 74.2268% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,328 |
| Loan loss allowance to noncurrent loans | 126.6824% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 1,919 |
| Noncurrent loans to loans | 1.1866% | 1,382 |
| Net loans and leases to total assets | 56.7992% | 3,768 |
| Net loans and leases to deposits | 62.9260% | 4,044 |
| Net loans and leases to core deposits | 63.6818% | 4,187 |
| Total domestic deposits to total assets | 90.2634% | 251 |
| Equity capital to assets | 9.0693% | 4,562 |
| Core capital (leverage) ratio | 8.7280% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1908% | 1,115 |
| Memoranda: | ||
| Average total assets | $122,372,500 | 3,673 |
| Average earning assets | $115,328,500 | 3,630 |
| Average equity | $10,986,000 | 4,120 |
| Average total loans | $71,532,000 | 3,736 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 3,909 |
| Cost of funding earning assets | 0.6122% | 3,588 |
| Net interest margin | 3.5475% | 3,295 |
| Noninterest income to average assets | 0.3645% | 3,520 |
| Noninterest expense to average assets | 2.3978% | 3,696 |
| Loan and lease loss provision to assets | 0.0244% | 3,534 |
| Net operating income to assets | 1.2841% | 1,754 |
| Return on assets (ROA) | 1.2898% | 1,807 |
| Pretax return on assets | 1.2923% | 2,530 |
| Return on Equity (ROE) | 14.7121% | 743 |
| Retained earnings to average equity (ytd only) | -5.9534% | 5,002 |
| Net charge-offs to loans | 0.1195% | 1,554 |
| Credit loss provision to net charge-offs | 34.4828% | 3,243 |
| Earnings coverage of net charge-offs (x) | 18.5632% | 2,050 |
| Efficiency ratio | 64.6531% | 2,981 |
| Assets per employee ($millions) | 4.4802% | 3,253 |
| Cash dividends to net income (ytd only)* | 140.4657% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 1,250 |
| Loan loss allowance to noncurrent loans | 119.6648% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.7903% | 1,637 |
| Noncurrent loans to loans | 1.2485% | 1,204 |
| Net loans and leases to total assets | 58.3756% | 3,739 |
| Net loans and leases to deposits | 64.5549% | 4,042 |
| Net loans and leases to core deposits | 65.6484% | 4,204 |
| Total domestic deposits to total assets | 90.4278% | 210 |
| Equity capital to assets | 8.8836% | 4,747 |
| Core capital (leverage) ratio | 8.6944% | 4,723 |
| Tier 1 risk-based capital ratio | 16.2831% | 2,301 |
| Total risk-based capital ratio | 17.5386% | 2,244 |
| Memoranda: | ||
| Average total assets | $123,195,400 | 3,654 |
| Average earning assets | $116,137,600 | 3,618 |
| Average equity | $10,800,600 | 4,147 |
| Average total loans | $72,796,800 | 3,722 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 4,075 |
| Cost of funding earning assets | 0.6052% | 3,676 |
| Net interest margin | 3.5305% | 3,474 |
| Noninterest income to average assets | 0.3620% | 3,557 |
| Noninterest expense to average assets | 2.4058% | 3,660 |
| Loan and lease loss provision to assets | 0.0237% | 3,425 |
| Net operating income to assets | 1.2605% | 1,985 |
| Return on assets (ROA) | 1.2681% | 2,035 |
| Pretax return on assets | 1.2713% | 2,750 |
| Return on Equity (ROE) | 14.5113% | 887 |
| Retained earnings to average equity (ytd only) | -12.1195% | 5,165 |
| Net charge-offs to loans | 0.1058% | 1,406 |
| Credit loss provision to net charge-offs | 37.9310% | 2,867 |
| Earnings coverage of net charge-offs (x) | 20.6038% | 1,950 |
| Efficiency ratio | 65.1400% | 2,831 |
| Assets per employee ($millions) | 4.6032% | 3,047 |
| Cash dividends to net income (ytd only)* | 183.5180% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 1,249 |
| Loan loss allowance to noncurrent loans | 109.6386% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.9458% | 1,428 |
| Noncurrent loans to loans | 1.3688% | 1,126 |
| Net loans and leases to total assets | 59.8827% | 3,681 |
| Net loans and leases to deposits | 66.1376% | 4,054 |
| Net loans and leases to core deposits | 67.0760% | 4,211 |
| Total domestic deposits to total assets | 90.5426% | 167 |
| Equity capital to assets | 8.6946% | 4,929 |
| Core capital (leverage) ratio | 8.5893% | 4,897 |
| Tier 1 risk-based capital ratio | 15.3104% | 2,706 |
| Total risk-based capital ratio | 16.5644% | 2,638 |
| Memoranda: | ||
| Average total assets | $123,753,000 | 3,679 |
| Average earning assets | $116,769,250 | 3,640 |
| Average equity | $10,814,250 | 4,186 |
| Average total loans | $73,074,750 | 3,759 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0970% | 4,170 |
| Cost of funding earning assets | 0.5928% | 3,683 |
| Net interest margin | 3.5043% | 3,583 |
| Noninterest income to average assets | 0.3549% | 3,563 |
| Noninterest expense to average assets | 2.3292% | 3,933 |
| Loan and lease loss provision to assets | 0.0240% | 3,330 |
| Net operating income to assets | 1.3045% | 1,751 |
| Return on assets (ROA) | 1.3156% | 1,776 |
| Pretax return on assets | 1.3204% | 2,477 |
| Return on Equity (ROE) | 15.0315% | 750 |
| Retained earnings to average equity (ytd only) | -6.8856% | 5,119 |
| Net charge-offs to loans | 0.0055% | 2,957 |
| Credit loss provision to net charge-offs | 750.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 417.0000% | 183 |
| Efficiency ratio | 63.5967% | 3,199 |
| Assets per employee ($millions) | 4.9199% | 2,582 |
| Cash dividends to net income (ytd only)* | 145.8080% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,186 |
| Loan loss allowance to noncurrent loans | 103.3514% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.8976% | 1,549 |
| Noncurrent loans to loans | 1.4785% | 1,044 |
| Net loans and leases to total assets | 59.7798% | 3,756 |
| Net loans and leases to deposits | 66.1324% | 4,089 |
| Net loans and leases to core deposits | 66.8807% | 4,270 |
| Total domestic deposits to total assets | 90.3942% | 214 |
| Equity capital to assets | 8.9066% | 4,850 |
| Core capital (leverage) ratio | 8.6546% | 4,877 |
| Tier 1 risk-based capital ratio | 15.8579% | 2,473 |
| Total risk-based capital ratio | 17.1135% | 2,412 |
| Memoranda: | ||
| Average total assets | $125,109,330 | 3,687 |
| Average earning assets | $118,085,000 | 3,647 |
| Average equity | $10,950,330 | 4,182 |
| Average total loans | $73,179,000 | 3,778 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 4,332 |
| Cost of funding earning assets | 0.5831% | 3,664 |
| Net interest margin | 3.4347% | 3,794 |
| Noninterest income to average assets | 0.3456% | 3,547 |
| Noninterest expense to average assets | 2.4159% | 3,729 |
| Loan and lease loss provision to assets | 0.0254% | 3,100 |
| Net operating income to assets | 1.1445% | 2,291 |
| Return on assets (ROA) | 1.1445% | 2,337 |
| Pretax return on assets | 1.1540% | 2,966 |
| Return on Equity (ROE) | 13.1896% | 1,156 |
| Retained earnings to average equity (ytd only) | 4.4209% | 3,160 |
| Net charge-offs to loans | 0.0055% | 2,508 |
| Credit loss provision to net charge-offs | 800.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 211 |
| Efficiency ratio | 67.1958% | 2,762 |
| Assets per employee ($millions) | 4.8667% | 2,682 |
| Cash dividends to net income (ytd only)* | 66.4820% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 1,169 |
| Loan loss allowance to noncurrent loans | 118.8679% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 1,867 |
| Noncurrent loans to loans | 1.3079% | 1,254 |
| Net loans and leases to total assets | 56.7487% | 3,999 |
| Net loans and leases to deposits | 62.6856% | 4,262 |
| Net loans and leases to core deposits | 63.3705% | 4,410 |
| Total domestic deposits to total assets | 90.5291% | 279 |
| Equity capital to assets | 8.8331% | 4,799 |
| Core capital (leverage) ratio | 8.9014% | 4,719 |
| Tier 1 risk-based capital ratio | 16.9757% | 2,112 |
| Total risk-based capital ratio | 18.2308% | 2,062 |
| Memoranda: | ||
| Average total assets | $126,165,000 | 3,706 |
| Average earning assets | $119,369,500 | 3,667 |
| Average equity | $10,948,000 | 4,201 |
| Average total loans | $72,434,000 | 3,829 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7635% | 4,567 |
| Cost of funding earning assets | 0.3337% | 4,384 |
| Net interest margin | 3.4298% | 3,910 |
| Noninterest income to average assets | 0.3726% | 3,599 |
| Noninterest expense to average assets | 2.2827% | 4,162 |
| Loan and lease loss provision to assets | 0.0236% | 3,696 |
| Net operating income to assets | 1.3068% | 1,764 |
| Return on assets (ROA) | 1.2887% | 1,840 |
| Pretax return on assets | 1.2942% | 2,519 |
| Return on Equity (ROE) | 15.1134% | 803 |
| Retained earnings to average equity (ytd only) | 0.1478% | 4,943 |
| Net charge-offs to loans | 0.0057% | 3,503 |
| Credit loss provision to net charge-offs | 750.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 424.0000% | 246 |
| Efficiency ratio | 63.0823% | 3,329 |
| Assets per employee ($millions) | 5.0318% | 2,457 |
| Cash dividends to net income (ytd only)* | 99.0220% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 1,099 |
| Loan loss allowance to noncurrent loans | 128.6203% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 1,986 |
| Noncurrent loans to loans | 1.2193% | 1,306 |
| Net loans and leases to total assets | 56.2813% | 4,113 |
| Net loans and leases to deposits | 65.0469% | 4,182 |
| Net loans and leases to core deposits | 65.3501% | 4,388 |
| Total domestic deposits to total assets | 86.5241% | 2,006 |
| Equity capital to assets | 8.5210% | 4,919 |
| Core capital (leverage) ratio | 9.0903% | 4,568 |
| Tier 1 risk-based capital ratio | 16.9378% | 2,090 |
| Total risk-based capital ratio | 18.1946% | 2,032 |
| Memoranda: | ||
| Average total assets | $126,953,600 | 3,683 |
| Average earning assets | $120,153,000 | 3,642 |
| Average equity | $10,824,800 | 4,182 |
| Average total loans | $70,024,800 | 3,869 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 4,639 |
| Cost of funding earning assets | 0.2676% | 4,690 |
| Net interest margin | 3.4374% | 3,902 |
| Noninterest income to average assets | 0.3688% | 3,662 |
| Noninterest expense to average assets | 2.2246% | 4,270 |
| Loan and lease loss provision to assets | 0.0231% | 3,558 |
| Net operating income to assets | 1.3748% | 1,577 |
| Return on assets (ROA) | 1.3748% | 1,581 |
| Pretax return on assets | 1.3789% | 2,303 |
| Return on Equity (ROE) | 16.1206% | 679 |
| Retained earnings to average equity (ytd only) | 1.3762% | 4,753 |
| Net charge-offs to loans | 0.0019% | 3,422 |
| Credit loss provision to net charge-offs | 2,200.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 1,341.3233% | 55 |
| Efficiency ratio | 61.3407% | 3,611 |
| Assets per employee ($millions) | 4.7642% | 2,771 |
| Cash dividends to net income (ytd only)* | 91.4634% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 1,069 |
| Loan loss allowance to noncurrent loans | 130.1275% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 2,113 |
| Noncurrent loans to loans | 1.2337% | 1,366 |
| Net loans and leases to total assets | 55.5643% | 4,249 |
| Net loans and leases to deposits | 64.0692% | 4,327 |
| Net loans and leases to core deposits | 64.3706% | 4,495 |
| Total domestic deposits to total assets | 86.7255% | 1,859 |
| Equity capital to assets | 8.4840% | 4,934 |
| Core capital (leverage) ratio | 9.0988% | 4,613 |
| Tier 1 risk-based capital ratio | 17.6005% | 1,896 |
| Total risk-based capital ratio | 18.8564% | 1,855 |
| Memoranda: | ||
| Average total assets | $127,243,250 | 3,715 |
| Average earning assets | $120,591,500 | 3,671 |
| Average equity | $10,851,250 | 4,220 |
| Average total loans | $69,549,250 | 3,915 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6399% | 4,701 |
| Cost of funding earning assets | 0.2318% | 4,839 |
| Net interest margin | 3.4081% | 3,931 |
| Noninterest income to average assets | 0.3599% | 3,746 |
| Noninterest expense to average assets | 2.1890% | 4,396 |
| Loan and lease loss provision to assets | 0.0234% | 3,453 |
| Net operating income to assets | 1.3851% | 1,491 |
| Return on assets (ROA) | 1.3851% | 1,490 |
| Pretax return on assets | 1.3773% | 2,234 |
| Return on Equity (ROE) | 16.2147% | 630 |
| Retained earnings to average equity (ytd only) | 9.6486% | 1,027 |
| Net charge-offs to loans | 0.0029% | 3,088 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 899.0000% | 87 |
| Efficiency ratio | 60.9809% | 3,768 |
| Assets per employee ($millions) | 4.6527% | 2,883 |
| Cash dividends to net income (ytd only)* | 40.4949% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 1,099 |
| Loan loss allowance to noncurrent loans | 128.8684% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 2,165 |
| Noncurrent loans to loans | 1.2447% | 1,388 |
| Net loans and leases to total assets | 54.4948% | 4,293 |
| Net loans and leases to deposits | 61.9339% | 4,422 |
| Net loans and leases to core deposits | 62.2164% | 4,592 |
| Total domestic deposits to total assets | 87.9887% | 1,388 |
| Equity capital to assets | 8.8033% | 4,714 |
| Core capital (leverage) ratio | 9.1553% | 4,513 |
| Tier 1 risk-based capital ratio | 18.4299% | 1,690 |
| Total risk-based capital ratio | 19.6857% | 1,654 |
| Memoranda: | ||
| Average total assets | $128,368,000 | 3,727 |
| Average earning assets | $121,651,670 | 3,677 |
| Average equity | $10,965,330 | 4,233 |
| Average total loans | $69,415,670 | 3,944 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 4,773 |
| Cost of funding earning assets | 0.2054% | 4,984 |
| Net interest margin | 3.3575% | 4,028 |
| Noninterest income to average assets | 0.3391% | 3,882 |
| Noninterest expense to average assets | 2.2075% | 4,400 |
| Loan and lease loss provision to assets | 0.0247% | 3,200 |
| Net operating income to assets | 1.3257% | 1,558 |
| Return on assets (ROA) | 1.3257% | 1,564 |
| Pretax return on assets | 1.2826% | 2,433 |
| Return on Equity (ROE) | 15.7531% | 663 |
| Retained earnings to average equity (ytd only) | 15.7531% | 262 |
| Net charge-offs to loans | 0.0058% | 2,524 |
| Credit loss provision to net charge-offs | 800.0000% | 410 |
| Earnings coverage of net charge-offs (x) | 424.0000% | 156 |
| Efficiency ratio | 62.8070% | 3,663 |
| Assets per employee ($millions) | 5.4828% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 1,114 |
| Loan loss allowance to noncurrent loans | 120.2820% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7007% | 2,226 |
| Noncurrent loans to loans | 1.3473% | 1,322 |
| Net loans and leases to total assets | 51.1627% | 4,490 |
| Net loans and leases to deposits | 56.1737% | 4,680 |
| Net loans and leases to core deposits | 56.5944% | 4,819 |
| Total domestic deposits to total assets | 91.0796% | 292 |
| Equity capital to assets | 8.3603% | 5,072 |
| Core capital (leverage) ratio | 8.8529% | 4,851 |
| Tier 1 risk-based capital ratio | 18.4768% | 1,701 |
| Total risk-based capital ratio | 19.7340% | 1,659 |
| Memoranda: | ||
| Average total assets | $129,740,500 | 3,754 |
| Average earning assets | $122,710,000 | 3,701 |
| Average equity | $10,918,500 | 4,280 |
| Average total loans | $69,336,500 | 3,980 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4165% | 4,918 |
| Cost of funding earning assets | 0.1824% | 5,075 |
| Net interest margin | 3.2341% | 4,347 |
| Noninterest income to average assets | 0.3214% | 4,164 |
| Noninterest expense to average assets | 2.0828% | 4,798 |
| Loan and lease loss provision to assets | 0.0226% | 3,845 |
| Net operating income to assets | 1.2734% | 1,294 |
| Return on assets (ROA) | 1.2734% | 1,317 |
| Pretax return on assets | 1.2794% | 2,433 |
| Return on Equity (ROE) | 14.7852% | 641 |
| Retained earnings to average equity (ytd only) | -1.4014% | 5,219 |
| Net charge-offs to loans | 0.0597% | 2,614 |
| Credit loss provision to net charge-offs | 71.4286% | 3,070 |
| Earnings coverage of net charge-offs (x) | 41.0952% | 1,246 |
| Efficiency ratio | 61.5333% | 4,011 |
| Assets per employee ($millions) | 4.9190% | 2,575 |
| Cash dividends to net income (ytd only)* | 109.4787% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 1,218 |
| Loan loss allowance to noncurrent loans | 97.0070% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 1,749 |
| Noncurrent loans to loans | 1.6173% | 1,028 |
| Net loans and leases to total assets | 54.0592% | 4,357 |
| Net loans and leases to deposits | 59.4218% | 4,602 |
| Net loans and leases to core deposits | 59.6216% | 4,773 |
| Total domestic deposits to total assets | 90.9754% | 244 |
| Equity capital to assets | 8.4726% | 5,144 |
| Core capital (leverage) ratio | 8.6681% | 4,981 |
| Tier 1 risk-based capital ratio | 17.1810% | 2,033 |
| Total risk-based capital ratio | 18.4361% | 1,988 |
| Memoranda: | ||
| Average total assets | $132,560,400 | 3,704 |
| Average earning assets | $125,568,800 | 3,653 |
| Average equity | $11,416,800 | 4,235 |
| Average total loans | $70,410,400 | 3,951 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3660% | 5,008 |
| Cost of funding earning assets | 0.1839% | 5,107 |
| Net interest margin | 3.1821% | 4,501 |
| Noninterest income to average assets | 0.3071% | 4,333 |
| Noninterest expense to average assets | 2.0659% | 4,810 |
| Loan and lease loss provision to assets | 0.0229% | 3,683 |
| Net operating income to assets | 1.2323% | 1,568 |
| Return on assets (ROA) | 1.2323% | 1,596 |
| Pretax return on assets | 1.2373% | 2,758 |
| Return on Equity (ROE) | 14.2532% | 777 |
| Retained earnings to average equity (ytd only) | 0.4152% | 5,127 |
| Net charge-offs to loans | 0.0795% | 2,005 |
| Credit loss provision to net charge-offs | 54.7619% | 2,860 |
| Earnings coverage of net charge-offs (x) | 30.0945% | 1,550 |
| Efficiency ratio | 62.1103% | 3,865 |
| Assets per employee ($millions) | 5.1899% | 2,236 |
| Cash dividends to net income (ytd only)* | 97.0873% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 1,430 |
| Loan loss allowance to noncurrent loans | 90.7960% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9295% | 1,840 |
| Noncurrent loans to loans | 1.6861% | 1,074 |
| Net loans and leases to total assets | 54.2821% | 4,393 |
| Net loans and leases to deposits | 59.9226% | 4,645 |
| Net loans and leases to core deposits | 60.1216% | 4,812 |
| Total domestic deposits to total assets | 90.5871% | 299 |
| Equity capital to assets | 8.7701% | 5,105 |
| Core capital (leverage) ratio | 8.5120% | 5,240 |
| Tier 1 risk-based capital ratio | 16.8433% | 2,206 |
| Total risk-based capital ratio | 18.0970% | 2,161 |
| Memoranda: | ||
| Average total assets | $133,726,750 | 3,728 |
| Average earning assets | $126,872,500 | 3,666 |
| Average equity | $11,562,000 | 4,254 |
| Average total loans | $70,452,750 | 3,981 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2754% | 5,139 |
| Cost of funding earning assets | 0.1808% | 5,137 |
| Net interest margin | 3.0945% | 4,700 |
| Noninterest income to average assets | 0.3021% | 4,376 |
| Noninterest expense to average assets | 2.0481% | 4,883 |
| Loan and lease loss provision to assets | 0.0222% | 3,543 |
| Net operating income to assets | 1.1699% | 1,700 |
| Return on assets (ROA) | 1.1699% | 1,742 |
| Pretax return on assets | 1.1714% | 2,889 |
| Return on Equity (ROE) | 13.5937% | 891 |
| Retained earnings to average equity (ytd only) | 13.5937% | 214 |
| Net charge-offs to loans | 0.1113% | 1,520 |
| Credit loss provision to net charge-offs | 38.4615% | 2,656 |
| Earnings coverage of net charge-offs (x) | 20.6667% | 1,783 |
| Efficiency ratio | 63.1795% | 3,804 |
| Assets per employee ($millions) | 5.2689% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 1,482 |
| Loan loss allowance to noncurrent loans | 109.4378% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 2,390 |
| Noncurrent loans to loans | 1.3976% | 1,378 |
| Net loans and leases to total assets | 51.2271% | 4,628 |
| Net loans and leases to deposits | 56.5725% | 4,831 |
| Net loans and leases to core deposits | 56.8880% | 4,963 |
| Total domestic deposits to total assets | 90.5513% | 340 |
| Equity capital to assets | 8.8633% | 5,025 |
| Core capital (leverage) ratio | 8.8729% | 4,875 |
| Tier 1 risk-based capital ratio | 17.9865% | 1,856 |
| Total risk-based capital ratio | 19.2405% | 1,816 |
| Memoranda: | ||
| Average total assets | $135,053,000 | 3,739 |
| Average earning assets | $128,291,330 | 3,666 |
| Average equity | $11,623,000 | 4,250 |
| Average total loans | $70,095,330 | 4,012 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2117% | 5,229 |
| Cost of funding earning assets | 0.1697% | 5,243 |
| Net interest margin | 3.0420% | 4,806 |
| Noninterest income to average assets | 0.3073% | 4,361 |
| Noninterest expense to average assets | 2.1479% | 4,758 |
| Loan and lease loss provision to assets | 0.0239% | 3,268 |
| Net operating income to assets | 1.0322% | 2,159 |
| Return on assets (ROA) | 1.0322% | 2,208 |
| Pretax return on assets | 1.0232% | 3,270 |
| Return on Equity (ROE) | 12.1793% | 1,184 |
| Retained earnings to average equity (ytd only) | 12.1793% | 453 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2269% | 3,310 |
| Assets per employee ($millions) | 5.2254% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 1,410 |
| Loan loss allowance to noncurrent loans | 137.6687% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5999% | 2,844 |
| Noncurrent loans to loans | 1.1546% | 1,760 |
| Net loans and leases to total assets | 51.1298% | 4,585 |
| Net loans and leases to deposits | 56.2379% | 4,801 |
| Net loans and leases to core deposits | 56.5524% | 4,950 |
| Total domestic deposits to total assets | 90.9171% | 324 |
| Equity capital to assets | 8.5250% | 5,220 |
| Core capital (leverage) ratio | 8.5150% | 5,217 |
| Tier 1 risk-based capital ratio | 17.5026% | 2,032 |
| Total risk-based capital ratio | 18.7573% | 1,984 |
| Memoranda: | ||
| Average total assets | $134,083,500 | 3,778 |
| Average earning assets | $127,286,500 | 3,714 |
| Average equity | $11,363,500 | 4,325 |
| Average total loans | $69,509,500 | 4,063 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2118% | 5,283 |
| Cost of funding earning assets | 0.2051% | 4,967 |
| Net interest margin | 3.0067% | 4,944 |
| Noninterest income to average assets | 0.3231% | 4,430 |
| Noninterest expense to average assets | 2.1851% | 4,808 |
| Loan and lease loss provision to assets | 0.0687% | 2,984 |
| Net operating income to assets | 0.9318% | 2,669 |
| Return on assets (ROA) | 0.9318% | 2,779 |
| Pretax return on assets | 0.9241% | 3,752 |
| Return on Equity (ROE) | 10.9344% | 1,601 |
| Retained earnings to average equity (ytd only) | 6.4173% | 1,491 |
| Net charge-offs to loans | 0.0788% | 2,559 |
| Credit loss provision to net charge-offs | 169.8113% | 1,630 |
| Earnings coverage of net charge-offs (x) | 24.5283% | 1,633 |
| Efficiency ratio | 68.7575% | 3,114 |
| Assets per employee ($millions) | 5.2923% | 2,070 |
| Cash dividends to net income (ytd only)* | 41.3115% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6279% | 1,308 |
| Loan loss allowance to noncurrent loans | 136.8550% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 2,826 |
| Noncurrent loans to loans | 1.1895% | 1,723 |
| Net loans and leases to total assets | 50.8801% | 4,700 |
| Net loans and leases to deposits | 55.8934% | 4,916 |
| Net loans and leases to core deposits | 56.3547% | 5,036 |
| Total domestic deposits to total assets | 91.0307% | 276 |
| Equity capital to assets | 8.4236% | 5,328 |
| Core capital (leverage) ratio | 8.4756% | 5,284 |
| Tier 1 risk-based capital ratio | 17.5960% | 1,976 |
| Total risk-based capital ratio | 18.8525% | 1,935 |
| Memoranda: | ||
| Average total assets | $130,934,600 | 3,817 |
| Average earning assets | $124,322,800 | 3,745 |
| Average equity | $11,157,400 | 4,406 |
| Average total loans | $67,243,600 | 4,108 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1950% | 5,363 |
| Cost of funding earning assets | 0.2095% | 4,979 |
| Net interest margin | 2.9855% | 5,042 |
| Noninterest income to average assets | 0.3226% | 4,469 |
| Noninterest expense to average assets | 2.1267% | 4,948 |
| Loan and lease loss provision to assets | 0.0684% | 2,856 |
| Net operating income to assets | 0.9771% | 2,534 |
| Return on assets (ROA) | 0.9771% | 2,664 |
| Pretax return on assets | 0.9648% | 3,760 |
| Return on Equity (ROE) | 11.4329% | 1,511 |
| Retained earnings to average equity (ytd only) | 5.4118% | 2,542 |
| Net charge-offs to loans | 0.0339% | 2,959 |
| Credit loss provision to net charge-offs | 394.1176% | 849 |
| Earnings coverage of net charge-offs (x) | 59.5192% | 966 |
| Efficiency ratio | 67.3021% | 3,356 |
| Assets per employee ($millions) | 5.1021% | 2,255 |
| Cash dividends to net income (ytd only)* | 52.6642% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 1,323 |
| Loan loss allowance to noncurrent loans | 108.6789% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 2,601 |
| Noncurrent loans to loans | 1.5199% | 1,424 |
| Net loans and leases to total assets | 50.5827% | 4,777 |
| Net loans and leases to deposits | 56.0273% | 4,993 |
| Net loans and leases to core deposits | 56.4919% | 5,122 |
| Total domestic deposits to total assets | 90.2822% | 377 |
| Equity capital to assets | 8.6360% | 5,444 |
| Core capital (leverage) ratio | 8.1856% | 5,584 |
| Tier 1 risk-based capital ratio | 17.2117% | 2,160 |
| Total risk-based capital ratio | 18.4682% | 2,117 |
| Memoranda: | ||
| Average total assets | $130,591,500 | 3,842 |
| Average earning assets | $124,106,500 | 3,773 |
| Average equity | $11,160,500 | 4,443 |
| Average total loans | $66,946,500 | 4,148 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2007% | 5,430 |
| Cost of funding earning assets | 0.2158% | 4,985 |
| Net interest margin | 2.9849% | 5,110 |
| Noninterest income to average assets | 0.3264% | 4,447 |
| Noninterest expense to average assets | 2.1046% | 5,048 |
| Loan and lease loss provision to assets | 0.0693% | 2,754 |
| Net operating income to assets | 1.0084% | 2,354 |
| Return on assets (ROA) | 1.0084% | 2,487 |
| Pretax return on assets | 0.9853% | 3,637 |
| Return on Equity (ROE) | 11.8423% | 1,375 |
| Retained earnings to average equity (ytd only) | 2.7301% | 4,172 |
| Net charge-offs to loans | 0.0361% | 2,734 |
| Credit loss provision to net charge-offs | 375.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 57.0833% | 914 |
| Efficiency ratio | 66.6179% | 3,585 |
| Assets per employee ($millions) | 5.2146% | 2,076 |
| Cash dividends to net income (ytd only)* | 76.9466% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 1,287 |
| Loan loss allowance to noncurrent loans | 134.3826% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 3,193 |
| Noncurrent loans to loans | 1.2597% | 1,818 |
| Net loans and leases to total assets | 47.5435% | 5,030 |
| Net loans and leases to deposits | 52.4436% | 5,230 |
| Net loans and leases to core deposits | 52.8673% | 5,329 |
| Total domestic deposits to total assets | 90.6564% | 272 |
| Equity capital to assets | 8.3302% | 5,678 |
| Core capital (leverage) ratio | 8.3858% | 5,459 |
| Tier 1 risk-based capital ratio | 17.4244% | 2,090 |
| Total risk-based capital ratio | 18.6804% | 2,052 |
| Memoranda: | ||
| Average total assets | $129,904,000 | 3,889 |
| Average earning assets | $123,285,330 | 3,817 |
| Average equity | $11,062,000 | 4,485 |
| Average total loans | $66,519,670 | 4,185 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2660% | 5,383 |
| Cost of funding earning assets | 0.2392% | 4,815 |
| Net interest margin | 3.0268% | 5,052 |
| Noninterest income to average assets | 0.3242% | 4,417 |
| Noninterest expense to average assets | 2.1123% | 5,094 |
| Loan and lease loss provision to assets | 0.0693% | 2,569 |
| Net operating income to assets | 1.0703% | 2,013 |
| Return on assets (ROA) | 1.0703% | 2,128 |
| Pretax return on assets | 1.0105% | 3,440 |
| Return on Equity (ROE) | 12.4246% | 1,177 |
| Retained earnings to average equity (ytd only) | 11.5476% | 568 |
| Net charge-offs to loans | 0.0299% | 2,353 |
| Credit loss provision to net charge-offs | 440.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 68.6000% | 710 |
| Efficiency ratio | 66.1736% | 3,773 |
| Assets per employee ($millions) | 5.6396% | 1,717 |
| Cash dividends to net income (ytd only)* | 7.0588% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 1,511 |
| Loan loss allowance to noncurrent loans | 91.1667% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 2,390 |
| Noncurrent loans to loans | 1.7969% | 1,235 |
| Net loans and leases to total assets | 50.6403% | 4,747 |
| Net loans and leases to deposits | 56.5372% | 4,948 |
| Net loans and leases to core deposits | 57.0201% | 5,088 |
| Total domestic deposits to total assets | 89.5699% | 803 |
| Equity capital to assets | 8.6323% | 5,472 |
| Core capital (leverage) ratio | 8.5127% | 5,381 |
| Tier 1 risk-based capital ratio | 17.5541% | 2,104 |
| Total risk-based capital ratio | 18.8101% | 2,074 |
| Memoranda: | ||
| Average total assets | $127,066,500 | 3,959 |
| Average earning assets | $120,391,500 | 3,898 |
| Average equity | $10,946,000 | 4,521 |
| Average total loans | $66,995,000 | 4,194 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3856% | 5,191 |
| Cost of funding earning assets | 0.2385% | 4,910 |
| Net interest margin | 3.1471% | 4,784 |
| Noninterest income to average assets | 0.4231% | 3,868 |
| Noninterest expense to average assets | 2.2290% | 4,982 |
| Loan and lease loss provision to assets | 0.0758% | 2,755 |
| Net operating income to assets | 1.0961% | 1,943 |
| Return on assets (ROA) | 1.0961% | 2,014 |
| Pretax return on assets | 1.0890% | 3,113 |
| Return on Equity (ROE) | 12.5315% | 1,169 |
| Retained earnings to average equity (ytd only) | 0.2647% | 5,408 |
| Net charge-offs to loans | 0.0429% | 3,359 |
| Credit loss provision to net charge-offs | 327.5862% | 918 |
| Earnings coverage of net charge-offs (x) | 50.3103% | 998 |
| Efficiency ratio | 65.6787% | 3,955 |
| Assets per employee ($millions) | 4.9769% | 2,394 |
| Cash dividends to net income (ytd only)* | 97.8878% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 1,608 |
| Loan loss allowance to noncurrent loans | 91.1939% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 0.9492% | 2,298 |
| Noncurrent loans to loans | 1.7572% | 1,272 |
| Net loans and leases to total assets | 53.1522% | 4,579 |
| Net loans and leases to deposits | 59.6470% | 4,797 |
| Net loans and leases to core deposits | 60.1805% | 4,973 |
| Total domestic deposits to total assets | 89.1113% | 1,066 |
| Equity capital to assets | 8.5957% | 5,473 |
| Core capital (leverage) ratio | 8.5218% | 5,402 |
| Tier 1 risk-based capital ratio | 16.7704% | 2,369 |
| Total risk-based capital ratio | 18.0264% | 2,320 |
| Memoranda: | ||
| Average total assets | $125,258,000 | 3,978 |
| Average earning assets | $118,237,600 | 3,917 |
| Average equity | $10,956,400 | 4,489 |
| Average total loans | $67,580,000 | 4,156 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3719% | 5,269 |
| Cost of funding earning assets | 0.2386% | 5,006 |
| Net interest margin | 3.1333% | 4,869 |
| Noninterest income to average assets | 0.4453% | 3,754 |
| Noninterest expense to average assets | 2.1923% | 5,071 |
| Loan and lease loss provision to assets | 0.0776% | 2,631 |
| Net operating income to assets | 1.1456% | 1,846 |
| Return on assets (ROA) | 1.1456% | 1,912 |
| Pretax return on assets | 1.1339% | 3,084 |
| Return on Equity (ROE) | 13.0406% | 1,114 |
| Retained earnings to average equity (ytd only) | 7.2340% | 1,585 |
| Net charge-offs to loans | 0.0158% | 3,639 |
| Credit loss provision to net charge-offs | 912.5000% | 399 |
| Earnings coverage of net charge-offs (x) | 142.4517% | 484 |
| Efficiency ratio | 64.4084% | 4,172 |
| Assets per employee ($millions) | 4.8262% | 2,523 |
| Cash dividends to net income (ytd only)* | 44.5265% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,792 |
| Loan loss allowance to noncurrent loans | 96.9369% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 2,660 |
| Noncurrent loans to loans | 1.6522% | 1,487 |
| Net loans and leases to total assets | 52.6833% | 4,694 |
| Net loans and leases to deposits | 59.5253% | 4,891 |
| Net loans and leases to core deposits | 60.0563% | 5,064 |
| Total domestic deposits to total assets | 88.5057% | 1,295 |
| Equity capital to assets | 9.0971% | 5,212 |
| Core capital (leverage) ratio | 8.9460% | 5,057 |
| Tier 1 risk-based capital ratio | 17.6483% | 2,141 |
| Total risk-based capital ratio | 18.9030% | 2,100 |
| Memoranda: | ||
| Average total assets | $125,467,000 | 4,013 |
| Average earning assets | $118,464,750 | 3,948 |
| Average equity | $11,021,750 | 4,526 |
| Average total loans | $67,672,500 | 4,188 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3681% | 5,297 |
| Cost of funding earning assets | 0.2399% | 5,058 |
| Net interest margin | 3.1282% | 4,890 |
| Noninterest income to average assets | 0.4734% | 3,535 |
| Noninterest expense to average assets | 2.2764% | 4,906 |
| Loan and lease loss provision to assets | 0.0813% | 2,482 |
| Net operating income to assets | 1.0936% | 1,975 |
| Return on assets (ROA) | 1.0936% | 2,072 |
| Pretax return on assets | 1.0680% | 3,313 |
| Return on Equity (ROE) | 12.5979% | 1,198 |
| Retained earnings to average equity (ytd only) | 3.7831% | 3,601 |
| Net charge-offs to loans | 0.0472% | 2,756 |
| Credit loss provision to net charge-offs | 318.7500% | 892 |
| Earnings coverage of net charge-offs (x) | 45.0625% | 1,032 |
| Efficiency ratio | 66.4495% | 3,937 |
| Assets per employee ($millions) | 4.5733% | 2,868 |
| Cash dividends to net income (ytd only)* | 69.9708% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 2,062 |
| Loan loss allowance to noncurrent loans | 92.8952% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 2,709 |
| Noncurrent loans to loans | 1.6769% | 1,550 |
| Net loans and leases to total assets | 53.5338% | 4,610 |
| Net loans and leases to deposits | 60.2552% | 4,830 |
| Net loans and leases to core deposits | 61.0798% | 4,999 |
| Total domestic deposits to total assets | 88.8451% | 1,223 |
| Equity capital to assets | 8.8128% | 5,421 |
| Core capital (leverage) ratio | 8.5383% | 5,497 |
| Tier 1 risk-based capital ratio | 17.0284% | 2,393 |
| Total risk-based capital ratio | 18.2830% | 2,335 |
| Memoranda: | ||
| Average total assets | $125,462,670 | 4,048 |
| Average earning assets | $118,405,670 | 3,980 |
| Average equity | $10,890,670 | 4,582 |
| Average total loans | $67,835,670 | 4,218 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3400% | 5,345 |
| Cost of funding earning assets | 0.2417% | 5,111 |
| Net interest margin | 3.0983% | 4,959 |
| Noninterest income to average assets | 0.4840% | 3,396 |
| Noninterest expense to average assets | 2.1826% | 5,196 |
| Loan and lease loss provision to assets | 0.0886% | 2,215 |
| Net operating income to assets | 1.1989% | 1,555 |
| Return on assets (ROA) | 1.1989% | 1,654 |
| Pretax return on assets | 1.1324% | 2,937 |
| Return on Equity (ROE) | 13.9146% | 895 |
| Retained earnings to average equity (ytd only) | 13.9146% | 367 |
| Net charge-offs to loans | 0.0997% | 1,730 |
| Credit loss provision to net charge-offs | 164.7059% | 1,187 |
| Earnings coverage of net charge-offs (x) | 22.7059% | 1,344 |
| Efficiency ratio | 64.1264% | 4,462 |
| Assets per employee ($millions) | 4.9167% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 2,401 |
| Loan loss allowance to noncurrent loans | 89.4921% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 2,816 |
| Noncurrent loans to loans | 1.6883% | 1,636 |
| Net loans and leases to total assets | 52.1157% | 4,651 |
| Net loans and leases to deposits | 58.5530% | 4,875 |
| Net loans and leases to core deposits | 59.4836% | 5,036 |
| Total domestic deposits to total assets | 89.0060% | 1,268 |
| Equity capital to assets | 8.7442% | 5,547 |
| Core capital (leverage) ratio | 8.5427% | 5,483 |
| Tier 1 risk-based capital ratio | 17.2687% | 2,390 |
| Total risk-based capital ratio | 18.5178% | 2,344 |
| Memoranda: | ||
| Average total assets | $126,454,500 | 4,056 |
| Average earning assets | $119,162,500 | 3,992 |
| Average equity | $10,895,000 | 4,622 |
| Average total loans | $68,179,000 | 4,227 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5166% | 5,279 |
| Cost of funding earning assets | 0.2516% | 5,305 |
| Net interest margin | 3.2650% | 4,702 |
| Noninterest income to average assets | 0.5033% | 3,478 |
| Noninterest expense to average assets | 2.1374% | 5,488 |
| Loan and lease loss provision to assets | 0.0703% | 3,079 |
| Net operating income to assets | 1.3739% | 1,134 |
| Return on assets (ROA) | 1.3770% | 1,168 |
| Pretax return on assets | 1.3817% | 1,947 |
| Return on Equity (ROE) | 15.8061% | 644 |
| Retained earnings to average equity (ytd only) | -3.0859% | 6,093 |
| Net charge-offs to loans | 0.1914% | 2,133 |
| Credit loss provision to net charge-offs | 67.1642% | 3,132 |
| Earnings coverage of net charge-offs (x) | 13.8358% | 2,237 |
| Efficiency ratio | 59.5990% | 5,277 |
| Assets per employee ($millions) | 4.6324% | 2,826 |
| Cash dividends to net income (ytd only)* | 119.5233% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 2,602 |
| Loan loss allowance to noncurrent loans | 85.6054% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 2,853 |
| Noncurrent loans to loans | 1.7187% | 1,690 |
| Net loans and leases to total assets | 54.1303% | 4,564 |
| Net loans and leases to deposits | 60.6775% | 4,841 |
| Net loans and leases to core deposits | 61.6606% | 5,027 |
| Total domestic deposits to total assets | 89.2098% | 1,116 |
| Equity capital to assets | 8.4844% | 5,769 |
| Core capital (leverage) ratio | 8.5903% | 5,459 |
| Tier 1 risk-based capital ratio | 16.0414% | 2,942 |
| Total risk-based capital ratio | 17.2945% | 2,878 |
| Memoranda: | ||
| Average total assets | $127,957,000 | 4,015 |
| Average earning assets | $120,826,000 | 3,948 |
| Average equity | $11,147,600 | 4,531 |
| Average total loans | $70,003,800 | 4,182 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 5,404 |
| Cost of funding earning assets | 0.2517% | 5,389 |
| Net interest margin | 3.2424% | 4,819 |
| Noninterest income to average assets | 0.5015% | 3,538 |
| Noninterest expense to average assets | 2.0692% | 5,639 |
| Loan and lease loss provision to assets | 0.0705% | 2,940 |
| Net operating income to assets | 1.4299% | 1,071 |
| Return on assets (ROA) | 1.4351% | 1,101 |
| Pretax return on assets | 1.4372% | 1,862 |
| Return on Equity (ROE) | 16.3686% | 632 |
| Retained earnings to average equity (ytd only) | 8.1429% | 1,293 |
| Net charge-offs to loans | 0.2427% | 1,586 |
| Credit loss provision to net charge-offs | 53.1250% | 3,058 |
| Earnings coverage of net charge-offs (x) | 11.3283% | 2,437 |
| Efficiency ratio | 57.9344% | 5,458 |
| Assets per employee ($millions) | 4.7208% | 2,634 |
| Cash dividends to net income (ytd only)* | 50.2529% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 3,028 |
| Loan loss allowance to noncurrent loans | 75.1131% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.0974% | 2,758 |
| Noncurrent loans to loans | 1.9053% | 1,680 |
| Net loans and leases to total assets | 55.8904% | 4,346 |
| Net loans and leases to deposits | 64.1473% | 4,519 |
| Net loans and leases to core deposits | 65.2318% | 4,783 |
| Total domestic deposits to total assets | 87.1283% | 2,245 |
| Equity capital to assets | 9.4947% | 4,800 |
| Core capital (leverage) ratio | 9.0137% | 5,053 |
| Tier 1 risk-based capital ratio | 17.4337% | 2,421 |
| Total risk-based capital ratio | 18.6869% | 2,381 |
| Memoranda: | ||
| Average total assets | $128,677,250 | 4,033 |
| Average earning assets | $121,841,250 | 3,951 |
| Average equity | $11,281,500 | 4,534 |
| Average total loans | $70,326,000 | 4,209 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4398% | 5,543 |
| Cost of funding earning assets | 0.2443% | 5,543 |
| Net interest margin | 3.1955% | 4,960 |
| Noninterest income to average assets | 0.4944% | 3,517 |
| Noninterest expense to average assets | 2.0221% | 5,796 |
| Loan and lease loss provision to assets | 0.0689% | 2,892 |
| Net operating income to assets | 1.4312% | 998 |
| Return on assets (ROA) | 1.4312% | 1,037 |
| Pretax return on assets | 1.4267% | 1,797 |
| Return on Equity (ROE) | 16.7603% | 576 |
| Retained earnings to average equity (ytd only) | 4.2842% | 3,448 |
| Net charge-offs to loans | 0.2267% | 1,681 |
| Credit loss provision to net charge-offs | 56.2500% | 2,696 |
| Earnings coverage of net charge-offs (x) | 12.2125% | 2,083 |
| Efficiency ratio | 57.4848% | 5,614 |
| Assets per employee ($millions) | 4.5247% | 2,885 |
| Cash dividends to net income (ytd only)* | 74.4385% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 3,102 |
| Loan loss allowance to noncurrent loans | 71.1297% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 2,862 |
| Noncurrent loans to loans | 2.0418% | 1,647 |
| Net loans and leases to total assets | 52.7459% | 4,669 |
| Net loans and leases to deposits | 60.1735% | 4,848 |
| Net loans and leases to core deposits | 61.2259% | 5,034 |
| Total domestic deposits to total assets | 87.6562% | 2,112 |
| Equity capital to assets | 8.5950% | 5,720 |
| Core capital (leverage) ratio | 8.4674% | 5,664 |
| Tier 1 risk-based capital ratio | 16.3555% | 2,900 |
| Total risk-based capital ratio | 17.6075% | 2,855 |
| Memoranda: | ||
| Average total assets | $130,655,670 | 4,019 |
| Average earning assets | $123,610,670 | 3,942 |
| Average equity | $11,157,330 | 4,565 |
| Average total loans | $70,569,000 | 4,215 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4325% | 5,578 |
| Cost of funding earning assets | 0.2466% | 5,615 |
| Net interest margin | 3.1859% | 4,968 |
| Noninterest income to average assets | 0.4848% | 3,529 |
| Noninterest expense to average assets | 1.9544% | 5,970 |
| Loan and lease loss provision to assets | 0.0675% | 2,777 |
| Net operating income to assets | 1.5064% | 805 |
| Return on assets (ROA) | 1.5064% | 838 |
| Pretax return on assets | 1.4757% | 1,508 |
| Return on Equity (ROE) | 17.6985% | 463 |
| Retained earnings to average equity (ytd only) | 17.6985% | 191 |
| Net charge-offs to loans | -0.0113% | 5,099 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8772% | 5,846 |
| Assets per employee ($millions) | 4.7655% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 2,933 |
| Loan loss allowance to noncurrent loans | 83.0639% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9735% | 3,314 |
| Noncurrent loans to loans | 1.8647% | 2,047 |
| Net loans and leases to total assets | 51.3981% | 4,739 |
| Net loans and leases to deposits | 57.5961% | 4,980 |
| Net loans and leases to core deposits | 58.5680% | 5,154 |
| Total domestic deposits to total assets | 89.2388% | 1,512 |
| Equity capital to assets | 8.5151% | 5,644 |
| Core capital (leverage) ratio | 8.6609% | 5,442 |
| Tier 1 risk-based capital ratio | 16.8631% | 2,749 |
| Total risk-based capital ratio | 18.1167% | 2,707 |
| Memoranda: | ||
| Average total assets | $130,375,500 | 4,058 |
| Average earning assets | $123,291,500 | 3,980 |
| Average equity | $11,097,000 | 4,591 |
| Average total loans | $70,738,000 | 4,242 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5162% | 5,608 |
| Cost of funding earning assets | 0.3028% | 5,571 |
| Net interest margin | 3.2134% | 4,959 |
| Noninterest income to average assets | 0.5178% | 3,649 |
| Noninterest expense to average assets | 2.0329% | 5,963 |
| Loan and lease loss provision to assets | 0.0675% | 3,783 |
| Net operating income to assets | 1.4370% | 944 |
| Return on assets (ROA) | 1.4416% | 976 |
| Pretax return on assets | 1.4483% | 1,622 |
| Return on Equity (ROE) | 17.4070% | 461 |
| Retained earnings to average equity (ytd only) | 6.5333% | 1,665 |
| Net charge-offs to loans | 0.0488% | 4,541 |
| Credit loss provision to net charge-offs | 264.7059% | 858 |
| Earnings coverage of net charge-offs (x) | 59.2353% | 694 |
| Efficiency ratio | 57.3576% | 5,807 |
| Assets per employee ($millions) | 4.5471% | 2,825 |
| Cash dividends to net income (ytd only)* | 62.4675% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 3,337 |
| Loan loss allowance to noncurrent loans | 111.0526% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 4,022 |
| Noncurrent loans to loans | 1.3228% | 2,926 |
| Net loans and leases to total assets | 55.5774% | 4,377 |
| Net loans and leases to deposits | 62.3442% | 4,688 |
| Net loans and leases to core deposits | 63.4056% | 4,926 |
| Total domestic deposits to total assets | 89.1461% | 1,518 |
| Equity capital to assets | 8.5078% | 5,570 |
| Core capital (leverage) ratio | 8.5874% | 5,562 |
| Tier 1 risk-based capital ratio | 15.8463% | 3,178 |
| Total risk-based capital ratio | 17.0989% | 3,131 |
| Memoranda: | ||
| Average total assets | $133,259,200 | 4,008 |
| Average earning assets | $125,506,400 | 3,935 |
| Average equity | $11,035,800 | 4,626 |
| Average total loans | $69,665,000 | 4,277 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4767% | 5,738 |
| Cost of funding earning assets | 0.3108% | 5,637 |
| Net interest margin | 3.1659% | 5,094 |
| Noninterest income to average assets | 0.4898% | 3,880 |
| Noninterest expense to average assets | 1.9345% | 6,131 |
| Loan and lease loss provision to assets | 0.0673% | 3,707 |
| Net operating income to assets | 1.4655% | 955 |
| Return on assets (ROA) | 1.4664% | 1,006 |
| Pretax return on assets | 1.4724% | 1,693 |
| Return on Equity (ROE) | 17.8226% | 454 |
| Retained earnings to average equity (ytd only) | 17.8226% | 112 |
| Net charge-offs to loans | 0.0540% | 4,133 |
| Credit loss provision to net charge-offs | 242.8571% | 1,017 |
| Earnings coverage of net charge-offs (x) | 55.5392% | 803 |
| Efficiency ratio | 55.6980% | 5,942 |
| Assets per employee ($millions) | 4.4228% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 3,648 |
| Loan loss allowance to noncurrent loans | 113.6761% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.7126% | 4,322 |
| Noncurrent loans to loans | 1.2828% | 3,266 |
| Net loans and leases to total assets | 54.7412% | 4,494 |
| Net loans and leases to deposits | 63.4229% | 4,577 |
| Net loans and leases to core deposits | 64.1343% | 4,888 |
| Total domestic deposits to total assets | 86.3114% | 3,070 |
| Equity capital to assets | 9.0816% | 5,080 |
| Core capital (leverage) ratio | 9.0471% | 5,054 |
| Tier 1 risk-based capital ratio | 17.0573% | 2,685 |
| Total risk-based capital ratio | 18.3107% | 2,647 |
| Memoranda: | ||
| Average total assets | $134,744,500 | 4,021 |
| Average earning assets | $126,976,000 | 3,941 |
| Average equity | $11,086,750 | 4,670 |
| Average total loans | $69,127,500 | 4,334 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4357% | 5,827 |
| Cost of funding earning assets | 0.3245% | 5,621 |
| Net interest margin | 3.1113% | 5,242 |
| Noninterest income to average assets | 0.4835% | 3,940 |
| Noninterest expense to average assets | 1.9429% | 6,144 |
| Loan and lease loss provision to assets | 0.0657% | 3,714 |
| Net operating income to assets | 1.4053% | 1,069 |
| Return on assets (ROA) | 1.4053% | 1,157 |
| Pretax return on assets | 1.4024% | 1,922 |
| Return on Equity (ROE) | 17.6519% | 492 |
| Retained earnings to average equity (ytd only) | 17.6519% | 134 |
| Net charge-offs to loans | 0.0643% | 3,782 |
| Credit loss provision to net charge-offs | 204.5455% | 1,171 |
| Earnings coverage of net charge-offs (x) | 45.6818% | 845 |
| Efficiency ratio | 56.9593% | 5,858 |
| Assets per employee ($millions) | 4.4991% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 3,829 |
| Loan loss allowance to noncurrent loans | 126.9565% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 4,690 |
| Noncurrent loans to loans | 1.1386% | 3,658 |
| Net loans and leases to total assets | 53.4045% | 4,672 |
| Net loans and leases to deposits | 60.8869% | 4,878 |
| Net loans and leases to core deposits | 61.7804% | 5,118 |
| Total domestic deposits to total assets | 87.7110% | 2,436 |
| Equity capital to assets | 8.3526% | 5,921 |
| Core capital (leverage) ratio | 8.3757% | 5,796 |
| Tier 1 risk-based capital ratio | 16.3879% | 2,992 |
| Total risk-based capital ratio | 17.6407% | 2,950 |
| Memoranda: | ||
| Average total assets | $136,906,000 | 4,000 |
| Average earning assets | $128,822,000 | 3,925 |
| Average equity | $10,899,670 | 4,749 |
| Average total loans | $68,420,000 | 4,371 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3806% | 5,982 |
| Cost of funding earning assets | 0.3289% | 5,727 |
| Net interest margin | 3.0517% | 5,425 |
| Noninterest income to average assets | 0.4881% | 3,861 |
| Noninterest expense to average assets | 1.8898% | 6,287 |
| Loan and lease loss provision to assets | 0.0628% | 3,587 |
| Net operating income to assets | 1.4188% | 998 |
| Return on assets (ROA) | 1.4188% | 1,083 |
| Pretax return on assets | 1.3959% | 1,870 |
| Return on Equity (ROE) | 18.2377% | 421 |
| Retained earnings to average equity (ytd only) | 18.2377% | 192 |
| Net charge-offs to loans | 0.1367% | 2,589 |
| Credit loss provision to net charge-offs | 95.6522% | 1,935 |
| Earnings coverage of net charge-offs (x) | 22.2174% | 1,144 |
| Efficiency ratio | 56.4365% | 6,019 |
| Assets per employee ($millions) | 4.6471% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 3,910 |
| Loan loss allowance to noncurrent loans | 120.5314% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 4,899 |
| Noncurrent loans to loans | 1.2257% | 3,727 |
| Net loans and leases to total assets | 47.7380% | 5,254 |
| Net loans and leases to deposits | 53.4369% | 5,482 |
| Net loans and leases to core deposits | 54.0247% | 5,663 |
| Total domestic deposits to total assets | 89.3353% | 1,461 |
| Equity capital to assets | 7.9770% | 6,389 |
| Core capital (leverage) ratio | 7.8345% | 6,260 |
| Tier 1 risk-based capital ratio | 16.3493% | 3,085 |
| Total risk-based capital ratio | 17.6031% | 3,028 |
| Memoranda: | ||
| Average total assets | $140,122,000 | 3,982 |
| Average earning assets | $131,336,500 | 3,914 |
| Average equity | $10,900,500 | 4,788 |
| Average total loans | $67,279,500 | 4,445 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 5,735 |
| Cost of funding earning assets | 0.4731% | 5,397 |
| Net interest margin | 3.3660% | 5,019 |
| Noninterest income to average assets | 0.5740% | 3,424 |
| Noninterest expense to average assets | 2.1724% | 5,984 |
| Loan and lease loss provision to assets | 0.0728% | 4,818 |
| Net operating income to assets | 1.4812% | 955 |
| Return on assets (ROA) | 1.4812% | 1,056 |
| Pretax return on assets | 1.4868% | 1,721 |
| Return on Equity (ROE) | 17.7042% | 465 |
| Retained earnings to average equity (ytd only) | 9.1227% | 790 |
| Net charge-offs to loans | 0.4688% | 2,359 |
| Credit loss provision to net charge-offs | 29.5082% | 5,124 |
| Earnings coverage of net charge-offs (x) | 6.3246% | 2,831 |
| Efficiency ratio | 58.2106% | 5,799 |
| Assets per employee ($millions) | 4.8562% | 2,409 |
| Cash dividends to net income (ytd only)* | 48.4716% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 3,790 |
| Loan loss allowance to noncurrent loans | 73.2942% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 0.9678% | 4,089 |
| Noncurrent loans to loans | 2.0341% | 2,661 |
| Net loans and leases to total assets | 46.8711% | 5,524 |
| Net loans and leases to deposits | 52.2343% | 5,785 |
| Net loans and leases to core deposits | 52.8004% | 5,958 |
| Total domestic deposits to total assets | 89.7324% | 1,104 |
| Equity capital to assets | 7.5836% | 6,601 |
| Core capital (leverage) ratio | 8.1939% | 6,005 |
| Tier 1 risk-based capital ratio | 15.8329% | 3,255 |
| Total risk-based capital ratio | 17.0859% | 3,206 |
| Memoranda: | ||
| Average total assets | $123,685,600 | 4,275 |
| Average earning assets | $116,043,600 | 4,210 |
| Average equity | $10,347,800 | 4,907 |
| Average total loans | $65,053,800 | 4,541 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 5,604 |
| Cost of funding earning assets | 0.5131% | 5,353 |
| Net interest margin | 3.4562% | 4,823 |
| Noninterest income to average assets | 0.6008% | 3,267 |
| Noninterest expense to average assets | 2.1887% | 5,977 |
| Loan and lease loss provision to assets | 0.0759% | 4,694 |
| Net operating income to assets | 1.5812% | 890 |
| Return on assets (ROA) | 1.5812% | 991 |
| Pretax return on assets | 1.5857% | 1,619 |
| Return on Equity (ROE) | 18.3926% | 455 |
| Retained earnings to average equity (ytd only) | 9.9756% | 921 |
| Net charge-offs to loans | 0.4543% | 2,284 |
| Credit loss provision to net charge-offs | 30.9091% | 4,787 |
| Earnings coverage of net charge-offs (x) | 6.7635% | 2,718 |
| Efficiency ratio | 56.8445% | 5,940 |
| Assets per employee ($millions) | 4.1072% | 3,669 |
| Cash dividends to net income (ytd only)* | 45.7629% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 3,340 |
| Loan loss allowance to noncurrent loans | 74.1620% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.2300% | 3,831 |
| Noncurrent loans to loans | 2.2221% | 2,589 |
| Net loans and leases to total assets | 53.2126% | 4,874 |
| Net loans and leases to deposits | 60.5821% | 5,138 |
| Net loans and leases to core deposits | 61.3770% | 5,416 |
| Total domestic deposits to total assets | 87.8355% | 2,142 |
| Equity capital to assets | 8.8650% | 5,962 |
| Core capital (leverage) ratio | 8.2747% | 6,057 |
| Tier 1 risk-based capital ratio | 16.1272% | 3,206 |
| Total risk-based capital ratio | 17.3825% | 3,176 |
| Memoranda: | ||
| Average total assets | $119,399,250 | 4,413 |
| Average earning assets | $112,258,250 | 4,337 |
| Average equity | $10,264,750 | 4,966 |
| Average total loans | $64,565,250 | 4,602 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 5,723 |
| Cost of funding earning assets | 0.5402% | 5,371 |
| Net interest margin | 3.4331% | 4,955 |
| Noninterest income to average assets | 0.6009% | 3,258 |
| Noninterest expense to average assets | 2.2377% | 5,907 |
| Loan and lease loss provision to assets | 0.0753% | 4,681 |
| Net operating income to assets | 1.5264% | 953 |
| Return on assets (ROA) | 1.5264% | 1,071 |
| Pretax return on assets | 1.5214% | 1,800 |
| Return on Equity (ROE) | 17.9410% | 517 |
| Retained earnings to average equity (ytd only) | 14.6361% | 300 |
| Net charge-offs to loans | 0.4458% | 2,267 |
| Credit loss provision to net charge-offs | 31.2500% | 4,420 |
| Earnings coverage of net charge-offs (x) | 6.6250% | 2,605 |
| Efficiency ratio | 58.3588% | 5,822 |
| Assets per employee ($millions) | 4.3904% | 3,104 |
| Cash dividends to net income (ytd only)* | 18.4211% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 3,108 |
| Loan loss allowance to noncurrent loans | 92.8393% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3495% | 3,737 |
| Noncurrent loans to loans | 1.8639% | 3,131 |
| Net loans and leases to total assets | 51.5090% | 5,153 |
| Net loans and leases to deposits | 58.3405% | 5,413 |
| Net loans and leases to core deposits | 59.2172% | 5,676 |
| Total domestic deposits to total assets | 88.2903% | 1,963 |
| Equity capital to assets | 8.5202% | 6,193 |
| Core capital (leverage) ratio | 8.1846% | 6,066 |
| Tier 1 risk-based capital ratio | 15.8007% | 3,274 |
| Total risk-based capital ratio | 17.0572% | 3,234 |
| Memoranda: | ||
| Average total assets | $119,496,000 | 4,434 |
| Average earning assets | $112,551,000 | 4,347 |
| Average equity | $10,166,670 | 4,994 |
| Average total loans | $64,606,000 | 4,622 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 5,358 |
| Cost of funding earning assets | 0.5701% | 5,361 |
| Net interest margin | 3.5575% | 4,454 |
| Noninterest income to average assets | 0.6147% | 3,138 |
| Noninterest expense to average assets | 2.1770% | 6,101 |
| Loan and lease loss provision to assets | 0.0781% | 4,424 |
| Net operating income to assets | 1.7389% | 675 |
| Return on assets (ROA) | 1.7389% | 751 |
| Pretax return on assets | 1.7083% | 1,280 |
| Return on Equity (ROE) | 20.4534% | 361 |
| Retained earnings to average equity (ytd only) | 20.4534% | 179 |
| Net charge-offs to loans | 0.3895% | 2,135 |
| Credit loss provision to net charge-offs | 36.5079% | 3,503 |
| Earnings coverage of net charge-offs (x) | 8.3492% | 1,966 |
| Efficiency ratio | 54.9272% | 6,236 |
| Assets per employee ($millions) | 4.5789% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 2,857 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.4713% | 3,659 |
| Noncurrent loans to loans | 2.7674% | 2,343 |
| Net loans and leases to total assets | 50.5205% | 5,230 |
| Net loans and leases to deposits | 57.0709% | 5,480 |
| Net loans and leases to core deposits | 57.9209% | 5,719 |
| Total domestic deposits to total assets | 88.5223% | 1,998 |
| Equity capital to assets | 8.2965% | 6,274 |
| Core capital (leverage) ratio | 8.0793% | 6,182 |
| Tier 1 risk-based capital ratio | 15.6133% | 3,388 |
| Total risk-based capital ratio | 16.8700% | 3,351 |
| Memoranda: | ||
| Average total assets | $117,778,000 | 4,498 |
| Average earning assets | $110,865,000 | 4,416 |
| Average equity | $10,013,000 | 5,037 |
| Average total loans | $64,691,000 | 4,634 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5461% | 4,889 |
| Cost of funding earning assets | 0.8130% | 4,765 |
| Net interest margin | 3.7330% | 4,143 |
| Noninterest income to average assets | 0.6509% | 2,880 |
| Noninterest expense to average assets | 2.3784% | 5,831 |
| Loan and lease loss provision to assets | 0.0812% | 5,598 |
| Net operating income to assets | 1.6686% | 583 |
| Return on assets (ROA) | 1.6686% | 622 |
| Pretax return on assets | 1.6838% | 1,024 |
| Return on Equity (ROE) | 18.8286% | 327 |
| Retained earnings to average equity (ytd only) | -6.5885% | 6,544 |
| Net charge-offs to loans | 0.0399% | 5,913 |
| Credit loss provision to net charge-offs | 350.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 76.0385% | 397 |
| Efficiency ratio | 57.4014% | 6,128 |
| Assets per employee ($millions) | 3.7308% | 4,486 |
| Cash dividends to net income (ytd only)* | 134.9920% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8464% | 2,721 |
| Loan loss allowance to noncurrent loans | 43.5907% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 2.5178% | 2,411 |
| Noncurrent loans to loans | 4.2358% | 1,447 |
| Net loans and leases to total assets | 57.6591% | 4,436 |
| Net loans and leases to deposits | 65.7206% | 4,776 |
| Net loans and leases to core deposits | 66.6402% | 5,194 |
| Total domestic deposits to total assets | 87.7338% | 2,317 |
| Equity capital to assets | 8.7282% | 5,868 |
| Core capital (leverage) ratio | 8.1714% | 6,041 |
| Tier 1 risk-based capital ratio | 14.8480% | 3,728 |
| Total risk-based capital ratio | 16.1073% | 3,694 |
| Memoranda: | ||
| Average total assets | $112,007,000 | 4,593 |
| Average earning assets | $104,794,200 | 4,529 |
| Average equity | $9,926,400 | 5,042 |
| Average total loans | $65,165,400 | 4,671 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 4,978 |
| Cost of funding earning assets | 0.8563% | 4,726 |
| Net interest margin | 3.7191% | 4,251 |
| Noninterest income to average assets | 0.6570% | 2,840 |
| Noninterest expense to average assets | 2.2875% | 6,069 |
| Loan and lease loss provision to assets | 0.0821% | 5,415 |
| Net operating income to assets | 1.7471% | 569 |
| Return on assets (ROA) | 1.7471% | 625 |
| Pretax return on assets | 1.7662% | 1,017 |
| Return on Equity (ROE) | 19.6401% | 334 |
| Retained earnings to average equity (ytd only) | -9.6193% | 6,846 |
| Net charge-offs to loans | 0.0533% | 5,439 |
| Credit loss provision to net charge-offs | 265.3846% | 1,075 |
| Earnings coverage of net charge-offs (x) | 59.7234% | 556 |
| Efficiency ratio | 55.3094% | 6,359 |
| Assets per employee ($millions) | 3.8608% | 4,167 |
| Cash dividends to net income (ytd only)* | 148.9787% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8683% | 2,719 |
| Loan loss allowance to noncurrent loans | 54.1818% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.9650% | 3,185 |
| Noncurrent loans to loans | 3.4482% | 1,991 |
| Net loans and leases to total assets | 55.9208% | 4,854 |
| Net loans and leases to deposits | 63.8350% | 5,190 |
| Net loans and leases to core deposits | 66.2484% | 5,383 |
| Total domestic deposits to total assets | 87.6020% | 2,290 |
| Equity capital to assets | 8.7280% | 6,052 |
| Core capital (leverage) ratio | 8.2304% | 6,091 |
| Tier 1 risk-based capital ratio | 14.9261% | 3,703 |
| Total risk-based capital ratio | 16.1848% | 3,674 |
| Memoranda: | ||
| Average total assets | $112,027,500 | 4,618 |
| Average earning assets | $104,790,250 | 4,553 |
| Average equity | $9,965,750 | 5,040 |
| Average total loans | $65,019,500 | 4,713 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 5,128 |
| Cost of funding earning assets | 0.8850% | 4,793 |
| Net interest margin | 3.6774% | 4,371 |
| Noninterest income to average assets | 0.6765% | 2,673 |
| Noninterest expense to average assets | 2.2722% | 6,192 |
| Loan and lease loss provision to assets | 0.0821% | 5,284 |
| Net operating income to assets | 1.7510% | 548 |
| Return on assets (ROA) | 1.7510% | 587 |
| Pretax return on assets | 1.7635% | 940 |
| Return on Equity (ROE) | 19.5607% | 339 |
| Retained earnings to average equity (ytd only) | -9.6906% | 6,865 |
| Net charge-offs to loans | 0.0428% | 5,259 |
| Credit loss provision to net charge-offs | 328.5714% | 929 |
| Earnings coverage of net charge-offs (x) | 73.8571% | 463 |
| Efficiency ratio | 55.1799% | 6,490 |
| Assets per employee ($millions) | 3.5667% | 4,766 |
| Cash dividends to net income (ytd only)* | 149.5413% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8125% | 2,947 |
| Loan loss allowance to noncurrent loans | 55.9716% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.9083% | 3,362 |
| Noncurrent loans to loans | 3.2383% | 2,203 |
| Net loans and leases to total assets | 57.8627% | 4,657 |
| Net loans and leases to deposits | 66.3717% | 4,947 |
| Net loans and leases to core deposits | 69.0553% | 5,179 |
| Total domestic deposits to total assets | 87.1797% | 2,638 |
| Equity capital to assets | 8.9638% | 5,632 |
| Core capital (leverage) ratio | 8.3580% | 5,774 |
| Tier 1 risk-based capital ratio | 15.1466% | 3,427 |
| Total risk-based capital ratio | 16.4038% | 3,383 |
| Memoranda: | ||
| Average total assets | $112,049,330 | 4,658 |
| Average earning assets | $104,858,000 | 4,588 |
| Average equity | $10,030,330 | 5,041 |
| Average total loans | $65,425,330 | 4,744 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 5,264 |
| Cost of funding earning assets | 0.8921% | 4,979 |
| Net interest margin | 3.6290% | 4,437 |
| Noninterest income to average assets | 0.7341% | 2,365 |
| Noninterest expense to average assets | 2.1988% | 6,425 |
| Loan and lease loss provision to assets | 0.0816% | 4,988 |
| Net operating income to assets | 1.8406% | 452 |
| Return on assets (ROA) | 1.8406% | 476 |
| Pretax return on assets | 1.8441% | 746 |
| Return on Equity (ROE) | 20.5748% | 310 |
| Retained earnings to average equity (ytd only) | -6.1843% | 6,606 |
| Net charge-offs to loans | 0.0915% | 4,027 |
| Credit loss provision to net charge-offs | 153.3333% | 1,869 |
| Earnings coverage of net charge-offs (x) | 36.2000% | 729 |
| Efficiency ratio | 53.3104% | 6,761 |
| Assets per employee ($millions) | 3.8225% | 4,252 |
| Cash dividends to net income (ytd only)* | 130.0578% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7834% | 3,056 |
| Loan loss allowance to noncurrent loans | 84.4526% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.1947% | 4,566 |
| Noncurrent loans to loans | 2.1117% | 3,430 |
| Net loans and leases to total assets | 55.5662% | 5,067 |
| Net loans and leases to deposits | 63.4718% | 5,328 |
| Net loans and leases to core deposits | 66.0859% | 5,497 |
| Total domestic deposits to total assets | 87.5447% | 2,640 |
| Equity capital to assets | 8.7212% | 5,625 |
| Core capital (leverage) ratio | 8.4519% | 5,545 |
| Tier 1 risk-based capital ratio | 15.4692% | 3,172 |
| Total risk-based capital ratio | 16.7257% | 3,121 |
| Memoranda: | ||
| Average total assets | $112,790,500 | 4,672 |
| Average earning assets | $105,373,000 | 4,606 |
| Average equity | $10,090,000 | 5,025 |
| Average total loans | $65,559,000 | 4,786 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0056% | 4,531 |
| Cost of funding earning assets | 1.2016% | 4,557 |
| Net interest margin | 3.8040% | 3,924 |
| Noninterest income to average assets | 0.6138% | 3,385 |
| Noninterest expense to average assets | 2.0088% | 7,008 |
| Loan and lease loss provision to assets | 0.0832% | 6,319 |
| Net operating income to assets | 2.0550% | 257 |
| Return on assets (ROA) | 2.0550% | 267 |
| Pretax return on assets | 2.0689% | 416 |
| Return on Equity (ROE) | 23.3210% | 129 |
| Retained earnings to average equity (ytd only) | 13.7534% | 173 |
| Net charge-offs to loans | 0.0030% | 6,827 |
| Credit loss provision to net charge-offs | 4,500.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 1,164.0000% | 10 |
| Efficiency ratio | 48.2782% | 7,252 |
| Assets per employee ($millions) | 3.4658% | 5,014 |
| Cash dividends to net income (ytd only)* | 41.0256% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7346% | 3,087 |
| Loan loss allowance to noncurrent loans | 96.0702% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 4,851 |
| Noncurrent loans to loans | 1.8055% | 3,811 |
| Net loans and leases to total assets | 58.6906% | 4,919 |
| Net loans and leases to deposits | 67.0250% | 5,251 |
| Net loans and leases to core deposits | 69.8629% | 5,454 |
| Total domestic deposits to total assets | 87.5653% | 2,507 |
| Equity capital to assets | 9.1780% | 4,872 |
| Core capital (leverage) ratio | 9.0190% | 4,510 |
| Tier 1 risk-based capital ratio | 15.4580% | 3,013 |
| Total risk-based capital ratio | 16.7141% | 2,975 |
| Memoranda: | ||
| Average total assets | $108,175,400 | 4,765 |
| Average earning assets | $100,866,800 | 4,702 |
| Average equity | $9,532,200 | 5,253 |
| Average total loans | $67,185,800 | 4,782 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0539% | 4,575 |
| Cost of funding earning assets | 1.2695% | 4,442 |
| Net interest margin | 3.7845% | 4,037 |
| Noninterest income to average assets | 0.6512% | 3,115 |
| Noninterest expense to average assets | 2.5055% | 5,702 |
| Loan and lease loss provision to assets | 0.0843% | 6,192 |
| Net operating income to assets | 1.5864% | 765 |
| Return on assets (ROA) | 1.5864% | 836 |
| Pretax return on assets | 1.5889% | 1,370 |
| Return on Equity (ROE) | 18.1985% | 469 |
| Retained earnings to average equity (ytd only) | 9.3198% | 959 |
| Net charge-offs to loans | 0.0040% | 6,621 |
| Credit loss provision to net charge-offs | 3,400.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 673.6404% | 40 |
| Efficiency ratio | 59.9584% | 5,965 |
| Assets per employee ($millions) | 3.4942% | 4,998 |
| Cash dividends to net income (ytd only)* | 48.7882% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 3,175 |
| Loan loss allowance to noncurrent loans | 68.6776% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.5150% | 4,180 |
| Noncurrent loans to loans | 2.4621% | 3,164 |
| Net loans and leases to total assets | 60.4917% | 4,819 |
| Net loans and leases to deposits | 69.4979% | 5,216 |
| Net loans and leases to core deposits | 72.5128% | 5,455 |
| Total domestic deposits to total assets | 87.0411% | 2,505 |
| Equity capital to assets | 8.9993% | 5,583 |
| Core capital (leverage) ratio | 8.5357% | 5,440 |
| Tier 1 risk-based capital ratio | 14.4991% | 3,509 |
| Total risk-based capital ratio | 15.7558% | 3,482 |
| Memoranda: | ||
| Average total assets | $107,492,500 | 4,847 |
| Average earning assets | $100,197,000 | 4,776 |
| Average equity | $9,370,500 | 5,389 |
| Average total loans | $67,422,000 | 4,847 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0899% | 4,510 |
| Cost of funding earning assets | 1.3250% | 4,379 |
| Net interest margin | 3.7648% | 4,071 |
| Noninterest income to average assets | 0.6044% | 3,310 |
| Noninterest expense to average assets | 2.4492% | 5,913 |
| Loan and lease loss provision to assets | 0.0839% | 6,086 |
| Net operating income to assets | 1.5874% | 742 |
| Return on assets (ROA) | 1.5874% | 799 |
| Pretax return on assets | 1.5800% | 1,355 |
| Return on Equity (ROE) | 18.4106% | 431 |
| Retained earnings to average equity (ytd only) | 8.8051% | 1,174 |
| Net charge-offs to loans | 0.0030% | 6,344 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 892.0000% | 27 |
| Efficiency ratio | 59.5465% | 6,133 |
| Assets per employee ($millions) | 3.5121% | 4,897 |
| Cash dividends to net income (ytd only)* | 52.1739% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 3,289 |
| Loan loss allowance to noncurrent loans | 118.5622% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 5,403 |
| Noncurrent loans to loans | 1.3824% | 4,631 |
| Net loans and leases to total assets | 60.9089% | 4,885 |
| Net loans and leases to deposits | 70.2613% | 5,235 |
| Net loans and leases to core deposits | 74.3097% | 5,407 |
| Total domestic deposits to total assets | 86.6892% | 2,712 |
| Equity capital to assets | 8.6375% | 5,963 |
| Core capital (leverage) ratio | 8.3203% | 5,720 |
| Tier 1 risk-based capital ratio | 13.9332% | 3,778 |
| Total risk-based capital ratio | 15.1892% | 3,736 |
| Memoranda: | ||
| Average total assets | $107,217,000 | 4,885 |
| Average earning assets | $99,924,330 | 4,809 |
| Average equity | $9,244,670 | 5,434 |
| Average total loans | $67,679,000 | 4,877 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1589% | 4,248 |
| Cost of funding earning assets | 1.3897% | 4,244 |
| Net interest margin | 3.7692% | 3,921 |
| Noninterest income to average assets | 0.5339% | 3,785 |
| Noninterest expense to average assets | 2.4664% | 5,851 |
| Loan and lease loss provision to assets | 0.0865% | 5,777 |
| Net operating income to assets | 1.5265% | 854 |
| Return on assets (ROA) | 1.5265% | 919 |
| Pretax return on assets | 1.4889% | 1,543 |
| Return on Equity (ROE) | 17.7196% | 541 |
| Retained earnings to average equity (ytd only) | 17.7196% | 257 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0233% | 6,000 |
| Assets per employee ($millions) | 3.6003% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6216% | 3,360 |
| Loan loss allowance to noncurrent loans | 121.5247% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 5,500 |
| Noncurrent loans to loans | 1.3344% | 4,749 |
| Net loans and leases to total assets | 60.8857% | 4,957 |
| Net loans and leases to deposits | 69.8748% | 5,361 |
| Net loans and leases to core deposits | 74.2855% | 5,473 |
| Total domestic deposits to total assets | 87.1353% | 2,557 |
| Equity capital to assets | 8.6484% | 5,801 |
| Core capital (leverage) ratio | 8.4368% | 5,486 |
| Tier 1 risk-based capital ratio | 14.0064% | 3,649 |
| Total risk-based capital ratio | 15.2614% | 3,611 |
| Memoranda: | ||
| Average total assets | $106,388,500 | 4,969 |
| Average earning assets | $99,013,500 | 4,905 |
| Average equity | $9,165,000 | 5,493 |
| Average total loans | $67,809,000 | 4,940 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7039% | 3,089 |
| Cost of funding earning assets | 1.7972% | 4,007 |
| Net interest margin | 3.9068% | 3,242 |
| Noninterest income to average assets | 0.7010% | 2,971 |
| Noninterest expense to average assets | 2.7578% | 5,133 |
| Loan and lease loss provision to assets | 0.0882% | 6,732 |
| Net operating income to assets | 1.4725% | 709 |
| Return on assets (ROA) | 1.4725% | 775 |
| Pretax return on assets | 1.4715% | 1,259 |
| Return on Equity (ROE) | 16.7008% | 482 |
| Retained earnings to average equity (ytd only) | 3.4914% | 2,726 |
| Net charge-offs to loans | 0.0717% | 6,397 |
| Credit loss provision to net charge-offs | 180.0000% | 2,309 |
| Earnings coverage of net charge-offs (x) | 31.8200% | 727 |
| Efficiency ratio | 63.8738% | 5,796 |
| Assets per employee ($millions) | 3.3796% | 5,308 |
| Cash dividends to net income (ytd only)* | 79.0945% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 3,513 |
| Loan loss allowance to noncurrent loans | 111.4496% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.9469% | 5,213 |
| Noncurrent loans to loans | 1.3843% | 4,606 |
| Net loans and leases to total assets | 64.6295% | 4,461 |
| Net loans and leases to deposits | 74.2437% | 4,999 |
| Net loans and leases to core deposits | 85.1347% | 5,602 |
| Total domestic deposits to total assets | 87.0504% | 2,474 |
| Equity capital to assets | 8.5799% | 5,756 |
| Core capital (leverage) ratio | 8.2885% | 5,641 |
| Tier 1 risk-based capital ratio | 13.1977% | 4,015 |
| Total risk-based capital ratio | 14.4528% | 3,961 |
| Memoranda: | ||
| Average total assets | $102,001,600 | 5,041 |
| Average earning assets | $94,426,200 | 4,994 |
| Average equity | $8,993,600 | 5,607 |
| Average total loans | $69,777,600 | 4,871 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8152% | 2,822 |
| Cost of funding earning assets | 1.8678% | 4,056 |
| Net interest margin | 3.9474% | 3,052 |
| Noninterest income to average assets | 0.7107% | 2,948 |
| Noninterest expense to average assets | 2.7479% | 5,116 |
| Loan and lease loss provision to assets | 0.0882% | 6,482 |
| Net operating income to assets | 1.5319% | 757 |
| Return on assets (ROA) | 1.5319% | 812 |
| Pretax return on assets | 1.5293% | 1,332 |
| Return on Equity (ROE) | 17.2541% | 524 |
| Retained earnings to average equity (ytd only) | 10.6727% | 518 |
| Net charge-offs to loans | 0.0952% | 5,722 |
| Credit loss provision to net charge-offs | 134.0000% | 3,719 |
| Earnings coverage of net charge-offs (x) | 24.5782% | 1,085 |
| Efficiency ratio | 62.9484% | 5,937 |
| Assets per employee ($millions) | 3.3065% | 5,386 |
| Cash dividends to net income (ytd only)* | 38.1447% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 3,318 |
| Loan loss allowance to noncurrent loans | 489.6226% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 6,859 |
| Noncurrent loans to loans | 0.3107% | 6,743 |
| Net loans and leases to total assets | 65.5610% | 4,518 |
| Net loans and leases to deposits | 76.0844% | 5,029 |
| Net loans and leases to core deposits | 88.6497% | 5,572 |
| Total domestic deposits to total assets | 86.1688% | 2,605 |
| Equity capital to assets | 9.2380% | 5,102 |
| Core capital (leverage) ratio | 8.6821% | 5,160 |
| Tier 1 risk-based capital ratio | 14.0999% | 3,489 |
| Total risk-based capital ratio | 15.3540% | 3,431 |
| Memoranda: | ||
| Average total assets | $101,310,000 | 5,090 |
| Average earning assets | $93,797,750 | 5,045 |
| Average equity | $8,994,750 | 5,664 |
| Average total loans | $70,029,000 | 4,911 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8564% | 2,772 |
| Cost of funding earning assets | 1.9321% | 4,101 |
| Net interest margin | 3.9243% | 2,999 |
| Noninterest income to average assets | 0.7115% | 2,918 |
| Noninterest expense to average assets | 2.7667% | 5,105 |
| Loan and lease loss provision to assets | 0.0892% | 6,280 |
| Net operating income to assets | 1.4825% | 867 |
| Return on assets (ROA) | 1.4825% | 929 |
| Pretax return on assets | 1.4785% | 1,505 |
| Return on Equity (ROE) | 16.9295% | 586 |
| Retained earnings to average equity (ytd only) | 6.8804% | 1,629 |
| Net charge-offs to loans | -0.0453% | 7,829 |
| Credit loss provision to net charge-offs | -281.2500% | 7,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8317% | 5,948 |
| Assets per employee ($millions) | 3.3351% | 5,223 |
| Cash dividends to net income (ytd only)* | 59.3583% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 2,945 |
| Loan loss allowance to noncurrent loans | 245.9091% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 6,207 |
| Noncurrent loans to loans | 0.6310% | 5,985 |
| Net loans and leases to total assets | 66.3946% | 4,481 |
| Net loans and leases to deposits | 76.6775% | 5,067 |
| Net loans and leases to core deposits | 89.3581% | 5,592 |
| Total domestic deposits to total assets | 86.5894% | 2,460 |
| Equity capital to assets | 8.6644% | 5,800 |
| Core capital (leverage) ratio | 8.3878% | 5,647 |
| Tier 1 risk-based capital ratio | 13.1356% | 4,047 |
| Total risk-based capital ratio | 14.3908% | 3,961 |
| Memoranda: | ||
| Average total assets | $100,913,330 | 5,138 |
| Average earning assets | $93,163,330 | 5,090 |
| Average equity | $8,836,670 | 5,740 |
| Average total loans | $70,626,000 | 4,931 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0437% | 2,179 |
| Cost of funding earning assets | 2.0073% | 4,089 |
| Net interest margin | 4.0364% | 2,501 |
| Noninterest income to average assets | 0.7384% | 2,666 |
| Noninterest expense to average assets | 2.7168% | 4,925 |
| Loan and lease loss provision to assets | 0.0883% | 5,835 |
| Net operating income to assets | 1.6213% | 758 |
| Return on assets (ROA) | 1.6213% | 833 |
| Pretax return on assets | 1.6453% | 1,301 |
| Return on Equity (ROE) | 18.4139% | 560 |
| Retained earnings to average equity (ytd only) | 9.1158% | 1,439 |
| Net charge-offs to loans | -0.1688% | 7,992 |
| Credit loss provision to net charge-offs | -73.3333% | 6,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0460% | 6,246 |
| Assets per employee ($millions) | 3.2821% | 5,366 |
| Cash dividends to net income (ytd only)* | 50.4950% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 2,839 |
| Loan loss allowance to noncurrent loans | 207.1429% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 5,824 |
| Noncurrent loans to loans | 0.7362% | 5,592 |
| Net loans and leases to total assets | 68.0980% | 4,115 |
| Net loans and leases to deposits | 78.7308% | 4,808 |
| Net loans and leases to core deposits | 92.6545% | 5,294 |
| Total domestic deposits to total assets | 86.4948% | 2,446 |
| Equity capital to assets | 8.7119% | 5,749 |
| Core capital (leverage) ratio | 8.4438% | 5,636 |
| Tier 1 risk-based capital ratio | 12.9559% | 4,209 |
| Total risk-based capital ratio | 14.2105% | 4,130 |
| Memoranda: | ||
| Average total assets | $99,676,000 | 5,191 |
| Average earning assets | $91,665,000 | 5,160 |
| Average equity | $8,776,000 | 5,782 |
| Average total loans | $71,076,000 | 4,943 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6549% | 2,224 |
| Cost of funding earning assets | 2.4976% | 4,219 |
| Net interest margin | 4.1574% | 2,475 |
| Noninterest income to average assets | 0.7603% | 2,719 |
| Noninterest expense to average assets | 2.6559% | 5,423 |
| Loan and lease loss provision to assets | 0.0768% | 6,438 |
| Net operating income to assets | 1.8178% | 536 |
| Return on assets (ROA) | 1.8178% | 512 |
| Pretax return on assets | 1.8362% | 875 |
| Return on Equity (ROE) | 20.5805% | 329 |
| Retained earnings to average equity (ytd only) | 0.6729% | 4,829 |
| Net charge-offs to loans | 0.0561% | 5,980 |
| Credit loss provision to net charge-offs | 187.5000% | 2,642 |
| Earnings coverage of net charge-offs (x) | 46.6750% | 799 |
| Efficiency ratio | 58.1296% | 6,676 |
| Assets per employee ($millions) | 3.1486% | 5,630 |
| Cash dividends to net income (ytd only)* | 96.7306% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 3,074 |
| Loan loss allowance to noncurrent loans | 1,187.2093% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 6,615 |
| Noncurrent loans to loans | 0.1198% | 7,053 |
| Net loans and leases to total assets | 72.5068% | 3,482 |
| Net loans and leases to deposits | 84.8146% | 4,284 |
| Net loans and leases to core deposits | 99.2664% | 4,900 |
| Total domestic deposits to total assets | 85.4886% | 2,631 |
| Equity capital to assets | 8.9011% | 5,503 |
| Core capital (leverage) ratio | 8.7139% | 5,172 |
| Tier 1 risk-based capital ratio | 12.6294% | 4,343 |
| Total risk-based capital ratio | 13.8834% | 4,252 |
| Memoranda: | ||
| Average total assets | $97,592,800 | 5,125 |
| Average earning assets | $89,407,200 | 5,105 |
| Average equity | $8,619,800 | 5,865 |
| Average total loans | $71,331,400 | 4,822 |