Home > Cornerstone Capital Bank, SSB > Performance and Condition Ratios
Cornerstone Capital Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8540% | 772 |
| Cost of funding earning assets | 4.2347% | 38 |
| Net interest margin | 1.6192% | 4,495 |
| Noninterest income to average assets | 12.3300% | 87 |
| Noninterest expense to average assets | 13.0895% | 92 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.3499% | 3,957 |
| Return on assets (ROA) | -0.9423% | 4,523 |
| Pretax return on assets | -0.9423% | 4,518 |
| Return on Equity (ROE) | -6.0100% | 4,477 |
| Retained earnings to average equity (ytd only) | -6.0740% | 4,413 |
| Net charge-offs to loans | 0.0886% | 987 |
| Credit loss provision to net charge-offs | 384.8775% | 804 |
| Earnings coverage of net charge-offs (x) | 11.9883% | 2,168 |
| Efficiency ratio | 95.8826% | 264 |
| Assets per employee ($millions) | 1.5547% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3585% | 4,405 |
| Loan loss allowance to noncurrent loans | 14.5086% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.4121% | 278 |
| Noncurrent loans to loans | 2.4711% | 200 |
| Net loans and leases to total assets | 56.2000% | 3,173 |
| Net loans and leases to deposits | 115.6848% | 116 |
| Net loans and leases to core deposits | 192.9166% | 85 |
| Total domestic deposits to total assets | 48.5800% | 4,474 |
| Equity capital to assets | 14.6490% | 584 |
| Core capital (leverage) ratio | 14.8006% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3632% | 267 |
| Memoranda: | ||
| Average total assets | $2,184,141,800 | 523 |
| Average earning assets | $1,724,896,200 | 600 |
| Average equity | $342,492,000 | 354 |
| Average total loans | $1,059,311,800 | 694 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6336% | 870 |
| Cost of funding earning assets | 4.2556% | 38 |
| Net interest margin | 1.3780% | 4,541 |
| Noninterest income to average assets | 13.0100% | 83 |
| Noninterest expense to average assets | 13.4200% | 90 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.5275% | 3,705 |
| Return on assets (ROA) | -0.7164% | 4,542 |
| Pretax return on assets | -0.7164% | 4,530 |
| Return on Equity (ROE) | -4.4900% | 4,495 |
| Retained earnings to average equity (ytd only) | -4.5767% | 4,414 |
| Net charge-offs to loans | 0.0021% | 2,480 |
| Credit loss provision to net charge-offs | 14,818.7500% | 26 |
| Earnings coverage of net charge-offs (x) | 683.1875% | 233 |
| Efficiency ratio | 94.8992% | 253 |
| Assets per employee ($millions) | 1.5033% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4099% | 4,403 |
| Loan loss allowance to noncurrent loans | 6.6974% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 2.8706% | 76 |
| Noncurrent loans to loans | 6.1198% | 34 |
| Net loans and leases to total assets | 46.1500% | 3,823 |
| Net loans and leases to deposits | 85.8835% | 1,584 |
| Net loans and leases to core deposits | 134.0119% | 291 |
| Total domestic deposits to total assets | 53.7400% | 4,489 |
| Equity capital to assets | 15.1352% | 521 |
| Core capital (leverage) ratio | 13.2860% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3552% | 530 |
| Memoranda: | ||
| Average total assets | $2,163,487,750 | 531 |
| Average earning assets | $1,694,322,500 | 611 |
| Average equity | $345,100,750 | 357 |
| Average total loans | $1,004,491,750 | 722 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3776% | 979 |
| Cost of funding earning assets | 4.1586% | 27 |
| Net interest margin | 1.2191% | 4,592 |
| Noninterest income to average assets | 13.3500% | 80 |
| Noninterest expense to average assets | 13.7255% | 87 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.4229% | 3,961 |
| Return on assets (ROA) | -0.8845% | 4,588 |
| Pretax return on assets | -0.8845% | 4,581 |
| Return on Equity (ROE) | -5.4500% | 4,549 |
| Retained earnings to average equity (ytd only) | -5.4476% | 4,436 |
| Net charge-offs to loans | 0.0008% | 2,405 |
| Credit loss provision to net charge-offs | 39,275.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,522.2500% | 91 |
| Efficiency ratio | 95.6926% | 231 |
| Assets per employee ($millions) | 1.4203% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3091% | 4,472 |
| Loan loss allowance to noncurrent loans | 6.7415% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 2.2723% | 116 |
| Noncurrent loans to loans | 4.5847% | 64 |
| Net loans and leases to total assets | 48.8200% | 3,639 |
| Net loans and leases to deposits | 104.6639% | 348 |
| Net loans and leases to core deposits | 174.4100% | 65 |
| Total domestic deposits to total assets | 46.6400% | 4,531 |
| Equity capital to assets | 14.9269% | 533 |
| Core capital (leverage) ratio | 12.4142% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7873% | 652 |
| Memoranda: | ||
| Average total assets | $2,136,529,000 | 526 |
| Average earning assets | $1,662,441,667 | 608 |
| Average equity | $346,904,333 | 342 |
| Average total loans | $992,623,333 | 716 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7115% | 1,817 |
| Cost of funding earning assets | 3.3920% | 10 |
| Net interest margin | 1.3195% | 4,645 |
| Noninterest income to average assets | 12.7900% | 85 |
| Noninterest expense to average assets | 13.8295% | 91 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | -0.1150% | 4,535 |
| Return on assets (ROA) | -1.4831% | 4,631 |
| Pretax return on assets | -1.4831% | 4,628 |
| Return on Equity (ROE) | -8.7400% | 4,589 |
| Retained earnings to average equity (ytd only) | -8.7406% | 4,451 |
| Net charge-offs to loans | 0.0013% | 2,003 |
| Credit loss provision to net charge-offs | 15,600.0000% | 27 |
| Earnings coverage of net charge-offs (x) | -41.0000% | 4,678 |
| Efficiency ratio | 99.8267% | 174 |
| Assets per employee ($millions) | 1.2471% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2284% | 4,555 |
| Loan loss allowance to noncurrent loans | 4.4920% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 2.4913% | 78 |
| Noncurrent loans to loans | 5.0844% | 55 |
| Net loans and leases to total assets | 48.8900% | 3,576 |
| Net loans and leases to deposits | 120.7825% | 79 |
| Net loans and leases to core deposits | 239.6409% | 23 |
| Total domestic deposits to total assets | 40.4800% | 4,591 |
| Equity capital to assets | 16.1662% | 391 |
| Core capital (leverage) ratio | 14.6097% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5838% | 527 |
| Memoranda: | ||
| Average total assets | $2,056,470,500 | 562 |
| Average earning assets | $1,579,355,500 | 642 |
| Average equity | $348,947,000 | 352 |
| Average total loans | $926,621,500 | 773 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2358% | 3,748 |
| Cost of funding earning assets | 1.9695% | 6 |
| Net interest margin | 1.2663% | 4,656 |
| Noninterest income to average assets | 9.5600% | 101 |
| Noninterest expense to average assets | 9.8597% | 109 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 0.5425% | 4,010 |
| Return on assets (ROA) | -0.7066% | 4,645 |
| Pretax return on assets | -0.7066% | 4,641 |
| Return on Equity (ROE) | -4.8600% | 4,627 |
| Retained earnings to average equity (ytd only) | -4.8624% | 4,571 |
| Net charge-offs to loans | 0.0027% | 2,406 |
| Credit loss provision to net charge-offs | 18,816.6667% | 38 |
| Earnings coverage of net charge-offs (x) | 719.3333% | 250 |
| Efficiency ratio | 92.6717% | 249 |
| Assets per employee ($millions) | 1.1613% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1380% | 4,590 |
| Loan loss allowance to noncurrent loans | 1.9815% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 2.8356% | 54 |
| Noncurrent loans to loans | 6.9644% | 32 |
| Net loans and leases to total assets | 40.6600% | 4,043 |
| Net loans and leases to deposits | 103.4274% | 322 |
| Net loans and leases to core deposits | 221.7509% | 21 |
| Total domestic deposits to total assets | 39.3100% | 4,625 |
| Equity capital to assets | 18.0368% | 288 |
| Core capital (leverage) ratio | 18.0220% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7284% | 245 |
| Memoranda: | ||
| Average total assets | $587,463,000 | 1,519 |
| Average earning assets | $481,181,800 | 1,673 |
| Average equity | $85,369,800 | 1,076 |
| Average total loans | $224,615,600 | 2,082 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8188% | 4,172 |
| Cost of funding earning assets | 0.2288% | 2,940 |
| Net interest margin | 2.5900% | 4,115 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 3.1921% | 695 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | -0.0313% | 4,610 |
| Return on assets (ROA) | -0.0313% | 4,584 |
| Pretax return on assets | -0.0313% | 4,580 |
| Return on Equity (ROE) | -0.4400% | 4,570 |
| Retained earnings to average equity (ytd only) | -0.4421% | 4,382 |
| Net charge-offs to loans | 0.0379% | 1,120 |
| Credit loss provision to net charge-offs | 63.6364% | 1,479 |
| Earnings coverage of net charge-offs (x) | -1.8636% | 4,722 |
| Efficiency ratio | 100.7352% | 147 |
| Assets per employee ($millions) | 7.1638% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6216% | 1,029 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 26.8800% | 4,485 |
| Net loans and leases to deposits | 28.2219% | 4,527 |
| Net loans and leases to core deposits | 29.9843% | 4,512 |
| Total domestic deposits to total assets | 95.2500% | 190 |
| Equity capital to assets | 4.3660% | 4,429 |
| Core capital (leverage) ratio | 8.2001% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0582% | 2,454 |
| Memoranda: | ||
| Average total assets | $234,659,750 | 2,841 |
| Average earning assets | $225,529,500 | 2,788 |
| Average equity | $16,588,000 | 3,268 |
| Average total loans | $77,324,500 | 3,468 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8184% | 3,945 |
| Cost of funding earning assets | 0.2110% | 2,765 |
| Net interest margin | 2.6074% | 3,893 |
| Noninterest income to average assets | 0.6981% | 1,344 |
| Noninterest expense to average assets | 2.3900% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8045% | 2,938 |
| Return on assets (ROA) | 0.8045% | 2,910 |
| Pretax return on assets | 0.8045% | 3,315 |
| Return on Equity (ROE) | 9.7943% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.7943% | 1,075 |
| Net charge-offs to loans | 0.0052% | 1,828 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 442.0000% | 285 |
| Efficiency ratio | 74.8148% | 1,412 |
| Assets per employee ($millions) | 5.6406% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 1,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 34.5111% | 4,307 |
| Net loans and leases to deposits | 37.1625% | 4,362 |
| Net loans and leases to core deposits | 40.2382% | 4,313 |
| Total domestic deposits to total assets | 92.8654% | 549 |
| Equity capital to assets | 6.9341% | 3,805 |
| Core capital (leverage) ratio | 8.8614% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,750,667 | 2,948 |
| Average earning assets | $210,403,667 | 2,917 |
| Average equity | $18,051,333 | 3,231 |
| Average total loans | $77,651,000 | 3,492 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7700% | 3,804 |
| Cost of funding earning assets | 0.1998% | 2,806 |
| Net interest margin | 2.5702% | 3,737 |
| Noninterest income to average assets | 0.8032% | 1,037 |
| Noninterest expense to average assets | 2.3730% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8906% | 2,309 |
| Return on assets (ROA) | 0.8906% | 2,310 |
| Pretax return on assets | 0.8906% | 2,809 |
| Return on Equity (ROE) | 10.0566% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.0566% | 1,005 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7121% | 1,884 |
| Assets per employee ($millions) | 5.7838% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 1,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 32.5272% | 4,355 |
| Net loans and leases to deposits | 35.3745% | 4,404 |
| Net loans and leases to core deposits | 38.3559% | 4,361 |
| Total domestic deposits to total assets | 91.9510% | 592 |
| Equity capital to assets | 7.8961% | 3,649 |
| Core capital (leverage) ratio | 8.8031% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,634,000 | 2,967 |
| Average earning assets | $210,256,500 | 2,926 |
| Average equity | $19,450,000 | 3,194 |
| Average total loans | $77,895,000 | 3,495 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1376% | 3,609 |
| Cost of funding earning assets | 0.2079% | 3,389 |
| Net interest margin | 2.9297% | 3,375 |
| Noninterest income to average assets | 0.7263% | 1,675 |
| Noninterest expense to average assets | 2.5303% | 2,087 |
| Loan and lease loss provision to assets | 0.0549% | 1,953 |
| Net operating income to assets | 0.9441% | 2,889 |
| Return on assets (ROA) | 0.9441% | 2,962 |
| Pretax return on assets | 0.9441% | 3,389 |
| Return on Equity (ROE) | 9.1860% | 2,840 |
| Retained earnings to average equity (ytd only) | 2.7364% | 3,747 |
| Net charge-offs to loans | 0.0995% | 858 |
| Credit loss provision to net charge-offs | 152.6316% | 1,481 |
| Earnings coverage of net charge-offs (x) | 27.7632% | 1,669 |
| Efficiency ratio | 71.6931% | 1,542 |
| Assets per employee ($millions) | 5.6237% | 3,143 |
| Cash dividends to net income (ytd only)* | 70.2106% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 1,442 |
| Loan loss allowance to noncurrent loans | 2,768.8889% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 3,923 |
| Noncurrent loans to loans | 0.0554% | 3,684 |
| Net loans and leases to total assets | 37.4015% | 4,228 |
| Net loans and leases to deposits | 41.5613% | 4,288 |
| Net loans and leases to core deposits | 45.3703% | 4,213 |
| Total domestic deposits to total assets | 89.9911% | 964 |
| Equity capital to assets | 9.8685% | 2,782 |
| Core capital (leverage) ratio | 9.0191% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,200,800 | 2,975 |
| Average earning assets | $202,065,400 | 2,939 |
| Average equity | $21,707,000 | 3,081 |
| Average total loans | $76,409,800 | 3,533 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1723% | 3,653 |
| Cost of funding earning assets | 0.2078% | 3,533 |
| Net interest margin | 2.9645% | 3,405 |
| Noninterest income to average assets | 0.7262% | 1,747 |
| Noninterest expense to average assets | 2.3763% | 2,514 |
| Loan and lease loss provision to assets | 0.0385% | 2,221 |
| Net operating income to assets | 1.1479% | 2,372 |
| Return on assets (ROA) | 1.1479% | 2,432 |
| Pretax return on assets | 1.1479% | 3,083 |
| Return on Equity (ROE) | 11.0572% | 2,356 |
| Retained earnings to average equity (ytd only) | 4.6534% | 3,354 |
| Net charge-offs to loans | 0.1312% | 615 |
| Credit loss provision to net charge-offs | 82.4324% | 1,702 |
| Earnings coverage of net charge-offs (x) | 25.3243% | 1,622 |
| Efficiency ratio | 66.6963% | 2,008 |
| Assets per employee ($millions) | 6.0584% | 2,636 |
| Cash dividends to net income (ytd only)* | 57.9151% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 1,364 |
| Loan loss allowance to noncurrent loans | 1,028.4483% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,782 |
| Noncurrent loans to loans | 0.1545% | 3,350 |
| Net loans and leases to total assets | 33.8884% | 4,476 |
| Net loans and leases to deposits | 37.7877% | 4,523 |
| Net loans and leases to core deposits | 41.6925% | 4,457 |
| Total domestic deposits to total assets | 89.6811% | 925 |
| Equity capital to assets | 10.0924% | 2,812 |
| Core capital (leverage) ratio | 9.2998% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,576,000 | 3,012 |
| Average earning assets | $201,489,250 | 2,974 |
| Average equity | $21,861,500 | 3,103 |
| Average total loans | $75,219,000 | 3,610 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3548% | 3,297 |
| Cost of funding earning assets | 0.2097% | 3,655 |
| Net interest margin | 3.1451% | 2,907 |
| Noninterest income to average assets | 0.6671% | 1,943 |
| Noninterest expense to average assets | 2.4050% | 2,447 |
| Loan and lease loss provision to assets | 0.0298% | 2,380 |
| Net operating income to assets | 1.2448% | 2,040 |
| Return on assets (ROA) | 1.2448% | 2,100 |
| Pretax return on assets | 1.2448% | 2,789 |
| Return on Equity (ROE) | 11.8746% | 2,115 |
| Retained earnings to average equity (ytd only) | 5.4559% | 3,015 |
| Net charge-offs to loans | 0.1302% | 608 |
| Credit loss provision to net charge-offs | 63.2653% | 1,545 |
| Earnings coverage of net charge-offs (x) | 27.0612% | 1,371 |
| Efficiency ratio | 65.3605% | 2,244 |
| Assets per employee ($millions) | 5.4009% | 3,240 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 1,266 |
| Loan loss allowance to noncurrent loans | 368.9441% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 3,235 |
| Noncurrent loans to loans | 0.4342% | 2,373 |
| Net loans and leases to total assets | 34.6435% | 4,515 |
| Net loans and leases to deposits | 38.7358% | 4,556 |
| Net loans and leases to core deposits | 42.8224% | 4,494 |
| Total domestic deposits to total assets | 89.4354% | 1,064 |
| Equity capital to assets | 10.3638% | 2,525 |
| Core capital (leverage) ratio | 9.1152% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,066,667 | 3,032 |
| Average earning assets | $199,294,000 | 2,987 |
| Average equity | $21,811,333 | 3,103 |
| Average total loans | $75,257,000 | 3,629 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2939% | 3,462 |
| Cost of funding earning assets | 0.2099% | 3,830 |
| Net interest margin | 3.0840% | 3,042 |
| Noninterest income to average assets | 0.6693% | 1,960 |
| Noninterest expense to average assets | 2.3677% | 2,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2574% | 1,953 |
| Return on assets (ROA) | 1.2574% | 2,031 |
| Pretax return on assets | 1.2574% | 2,682 |
| Return on Equity (ROE) | 11.9255% | 2,045 |
| Retained earnings to average equity (ytd only) | 5.5041% | 3,060 |
| Net charge-offs to loans | 0.0053% | 1,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 650.0000% | 152 |
| Efficiency ratio | 65.3148% | 2,329 |
| Assets per employee ($millions) | 5.3149% | 3,317 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 1,320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 35.0617% | 4,546 |
| Net loans and leases to deposits | 39.0698% | 4,595 |
| Net loans and leases to core deposits | 43.0694% | 4,524 |
| Total domestic deposits to total assets | 89.7410% | 933 |
| Equity capital to assets | 10.0967% | 2,613 |
| Core capital (leverage) ratio | 9.2068% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,781,500 | 3,028 |
| Average earning assets | $198,185,000 | 2,987 |
| Average equity | $21,802,000 | 3,095 |
| Average total loans | $75,805,500 | 3,637 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 3,478 |
| Cost of funding earning assets | 0.3128% | 4,070 |
| Net interest margin | 3.4245% | 2,694 |
| Noninterest income to average assets | 0.6547% | 2,008 |
| Noninterest expense to average assets | 2.7436% | 2,107 |
| Loan and lease loss provision to assets | 0.0217% | 4,125 |
| Net operating income to assets | 1.1525% | 1,712 |
| Return on assets (ROA) | 1.2252% | 1,576 |
| Pretax return on assets | 1.2252% | 2,243 |
| Return on Equity (ROE) | 10.9573% | 1,642 |
| Retained earnings to average equity (ytd only) | 5.6655% | 1,961 |
| Net charge-offs to loans | 0.0199% | 2,668 |
| Credit loss provision to net charge-offs | 266.6667% | 1,861 |
| Earnings coverage of net charge-offs (x) | 144.2000% | 602 |
| Efficiency ratio | 70.0291% | 1,944 |
| Assets per employee ($millions) | 5.1531% | 3,225 |
| Cash dividends to net income (ytd only)* | 48.2942% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 1,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 37.1505% | 4,557 |
| Net loans and leases to deposits | 41.8161% | 4,602 |
| Net loans and leases to core deposits | 46.3229% | 4,539 |
| Total domestic deposits to total assets | 88.8426% | 1,056 |
| Equity capital to assets | 11.0161% | 2,240 |
| Core capital (leverage) ratio | 9.8715% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,208,400 | 3,072 |
| Average earning assets | $175,530,000 | 3,028 |
| Average equity | $20,598,200 | 3,131 |
| Average total loans | $75,203,800 | 3,643 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 3,297 |
| Cost of funding earning assets | 0.3433% | 4,096 |
| Net interest margin | 3.5425% | 2,446 |
| Noninterest income to average assets | 0.6755% | 1,876 |
| Noninterest expense to average assets | 2.6752% | 2,328 |
| Loan and lease loss provision to assets | 0.0261% | 4,015 |
| Net operating income to assets | 1.3450% | 1,247 |
| Return on assets (ROA) | 1.4443% | 1,097 |
| Pretax return on assets | 1.4443% | 1,593 |
| Return on Equity (ROE) | 12.8627% | 1,152 |
| Retained earnings to average equity (ytd only) | 7.9815% | 1,309 |
| Net charge-offs to loans | 0.0231% | 2,386 |
| Credit loss provision to net charge-offs | 269.2308% | 1,859 |
| Earnings coverage of net charge-offs (x) | 142.3846% | 629 |
| Efficiency ratio | 66.1175% | 2,455 |
| Assets per employee ($millions) | 4.7093% | 3,589 |
| Cash dividends to net income (ytd only)* | 37.9487% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 1,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 40.4187% | 4,555 |
| Net loans and leases to deposits | 45.9721% | 4,608 |
| Net loans and leases to core deposits | 51.2007% | 4,546 |
| Total domestic deposits to total assets | 87.9202% | 1,251 |
| Equity capital to assets | 11.8143% | 1,788 |
| Core capital (leverage) ratio | 10.1089% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,018,250 | 3,088 |
| Average earning assets | $171,287,250 | 3,043 |
| Average equity | $20,213,000 | 3,163 |
| Average total loans | $75,038,000 | 3,660 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 3,316 |
| Cost of funding earning assets | 0.3795% | 4,129 |
| Net interest margin | 3.6220% | 2,411 |
| Noninterest income to average assets | 0.6195% | 2,063 |
| Noninterest expense to average assets | 2.6519% | 2,520 |
| Loan and lease loss provision to assets | 0.0056% | 4,106 |
| Net operating income to assets | 1.4083% | 1,098 |
| Return on assets (ROA) | 1.5595% | 900 |
| Pretax return on assets | 1.5595% | 1,319 |
| Return on Equity (ROE) | 14.1509% | 855 |
| Retained earnings to average equity (ytd only) | 8.6216% | 1,127 |
| Net charge-offs to loans | 0.0296% | 2,124 |
| Credit loss provision to net charge-offs | 45.4545% | 2,643 |
| Earnings coverage of net charge-offs (x) | 113.9091% | 651 |
| Efficiency ratio | 65.2234% | 2,629 |
| Assets per employee ($millions) | 4.8408% | 3,374 |
| Cash dividends to net income (ytd only)* | 39.0738% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 1,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 39.7710% | 4,618 |
| Net loans and leases to deposits | 44.9960% | 4,677 |
| Net loans and leases to core deposits | 50.2076% | 4,615 |
| Total domestic deposits to total assets | 88.3877% | 994 |
| Equity capital to assets | 11.3967% | 2,045 |
| Core capital (leverage) ratio | 10.1535% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,233,333 | 3,095 |
| Average earning assets | $168,637,000 | 3,054 |
| Average equity | $19,532,333 | 3,222 |
| Average total loans | $74,270,333 | 3,676 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 3,654 |
| Cost of funding earning assets | 0.4421% | 4,189 |
| Net interest margin | 3.6078% | 2,639 |
| Noninterest income to average assets | 0.7139% | 1,594 |
| Noninterest expense to average assets | 2.8696% | 2,215 |
| Loan and lease loss provision to assets | 0.0117% | 3,630 |
| Net operating income to assets | 1.2598% | 1,351 |
| Return on assets (ROA) | 1.5724% | 729 |
| Pretax return on assets | 1.5724% | 1,132 |
| Return on Equity (ROE) | 14.5411% | 605 |
| Retained earnings to average equity (ytd only) | 7.6373% | 1,334 |
| Net charge-offs to loans | 0.0546% | 1,463 |
| Credit loss provision to net charge-offs | 50.0000% | 2,057 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 845 |
| Efficiency ratio | 69.2958% | 2,467 |
| Assets per employee ($millions) | 4.4374% | 3,351 |
| Cash dividends to net income (ytd only)* | 47.4777% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6375% | 982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 40.8195% | 4,634 |
| Net loans and leases to deposits | 45.6960% | 4,728 |
| Net loans and leases to core deposits | 52.0303% | 4,626 |
| Total domestic deposits to total assets | 89.3284% | 540 |
| Equity capital to assets | 10.4711% | 3,351 |
| Core capital (leverage) ratio | 10.2165% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,454,500 | 3,122 |
| Average earning assets | $162,867,500 | 3,083 |
| Average equity | $18,540,500 | 3,315 |
| Average total loans | $73,275,500 | 3,696 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 3,433 |
| Cost of funding earning assets | 0.4573% | 4,247 |
| Net interest margin | 3.8798% | 2,242 |
| Noninterest income to average assets | 0.7920% | 1,474 |
| Noninterest expense to average assets | 3.0738% | 1,825 |
| Loan and lease loss provision to assets | 0.0279% | 3,458 |
| Net operating income to assets | 1.3744% | 1,434 |
| Return on assets (ROA) | 1.3896% | 1,450 |
| Pretax return on assets | 1.3896% | 2,197 |
| Return on Equity (ROE) | 12.7756% | 1,249 |
| Retained earnings to average equity (ytd only) | 5.6284% | 2,082 |
| Net charge-offs to loans | 0.0665% | 2,138 |
| Credit loss provision to net charge-offs | 95.8333% | 2,574 |
| Earnings coverage of net charge-offs (x) | 48.1042% | 1,156 |
| Efficiency ratio | 68.6703% | 2,358 |
| Assets per employee ($millions) | 4.2463% | 3,584 |
| Cash dividends to net income (ytd only)* | 55.9441% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,020 |
| Loan loss allowance to noncurrent loans | 1,533.7662% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 4,415 |
| Noncurrent loans to loans | 0.1030% | 4,110 |
| Net loans and leases to total assets | 43.3042% | 4,629 |
| Net loans and leases to deposits | 48.8296% | 4,719 |
| Net loans and leases to core deposits | 55.7887% | 4,592 |
| Total domestic deposits to total assets | 88.6843% | 803 |
| Equity capital to assets | 11.1627% | 2,846 |
| Core capital (leverage) ratio | 10.4802% | 2,971 |
| Tier 1 risk-based capital ratio | 18.1486% | 1,729 |
| Total risk-based capital ratio | 19.3774% | 1,687 |
| Memoranda: | ||
| Average total assets | $164,651,000 | 3,159 |
| Average earning assets | $156,347,800 | 3,118 |
| Average equity | $17,909,200 | 3,351 |
| Average total loans | $72,163,800 | 3,735 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 3,620 |
| Cost of funding earning assets | 0.4574% | 4,307 |
| Net interest margin | 3.8566% | 2,412 |
| Noninterest income to average assets | 0.8399% | 1,308 |
| Noninterest expense to average assets | 2.9531% | 2,098 |
| Loan and lease loss provision to assets | 0.0212% | 3,489 |
| Net operating income to assets | 1.5271% | 1,117 |
| Return on assets (ROA) | 1.5476% | 1,123 |
| Pretax return on assets | 1.5476% | 1,820 |
| Return on Equity (ROE) | 14.3254% | 920 |
| Retained earnings to average equity (ytd only) | 7.0721% | 1,832 |
| Net charge-offs to loans | 0.0783% | 1,703 |
| Credit loss provision to net charge-offs | 61.9048% | 2,691 |
| Earnings coverage of net charge-offs (x) | 45.1655% | 1,265 |
| Efficiency ratio | 65.6029% | 2,784 |
| Assets per employee ($millions) | 4.1616% | 3,678 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 1,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 43.6365% | 4,707 |
| Net loans and leases to deposits | 49.4126% | 4,792 |
| Net loans and leases to core deposits | 55.3385% | 4,710 |
| Total domestic deposits to total assets | 88.3104% | 910 |
| Equity capital to assets | 11.3917% | 2,746 |
| Core capital (leverage) ratio | 10.7501% | 2,892 |
| Tier 1 risk-based capital ratio | 18.4383% | 1,700 |
| Total risk-based capital ratio | 19.6769% | 1,669 |
| Memoranda: | ||
| Average total assets | $163,350,750 | 3,207 |
| Average earning assets | $155,088,000 | 3,168 |
| Average equity | $17,646,500 | 3,393 |
| Average total loans | $71,521,250 | 3,791 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 3,600 |
| Cost of funding earning assets | 0.4538% | 4,309 |
| Net interest margin | 3.8606% | 2,367 |
| Noninterest income to average assets | 0.7824% | 1,402 |
| Noninterest expense to average assets | 2.9166% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5242% | 1,079 |
| Return on assets (ROA) | 1.5550% | 1,043 |
| Pretax return on assets | 1.5550% | 1,680 |
| Return on Equity (ROE) | 14.6679% | 835 |
| Retained earnings to average equity (ytd only) | 7.2293% | 1,710 |
| Net charge-offs to loans | -0.0028% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6770% | 2,858 |
| Assets per employee ($millions) | 4.0420% | 3,814 |
| Cash dividends to net income (ytd only)* | 50.7132% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 968 |
| Loan loss allowance to noncurrent loans | 1,973.3333% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 4,579 |
| Noncurrent loans to loans | 0.0824% | 4,309 |
| Net loans and leases to total assets | 44.2862% | 4,711 |
| Net loans and leases to deposits | 50.1411% | 4,800 |
| Net loans and leases to core deposits | 55.7862% | 4,718 |
| Total domestic deposits to total assets | 88.3231% | 955 |
| Equity capital to assets | 11.4326% | 2,667 |
| Core capital (leverage) ratio | 10.6078% | 2,976 |
| Tier 1 risk-based capital ratio | 18.3855% | 1,705 |
| Total risk-based capital ratio | 19.6348% | 1,662 |
| Memoranda: | ||
| Average total assets | $162,313,000 | 3,235 |
| Average earning assets | $153,810,000 | 3,192 |
| Average equity | $17,207,670 | 3,442 |
| Average total loans | $70,759,670 | 3,824 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 3,776 |
| Cost of funding earning assets | 0.4331% | 4,356 |
| Net interest margin | 3.7990% | 2,527 |
| Noninterest income to average assets | 0.8977% | 1,044 |
| Noninterest expense to average assets | 2.9490% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5520% | 1,004 |
| Return on assets (ROA) | 1.6282% | 873 |
| Pretax return on assets | 1.6282% | 1,397 |
| Return on Equity (ROE) | 15.9812% | 594 |
| Retained earnings to average equity (ytd only) | 8.2561% | 1,574 |
| Net charge-offs to loans | -0.0574% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5191% | 3,006 |
| Assets per employee ($millions) | 4.1057% | 3,760 |
| Cash dividends to net income (ytd only)* | 48.3384% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 859 |
| Loan loss allowance to noncurrent loans | 1,387.2093% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,565 |
| Noncurrent loans to loans | 0.1225% | 4,195 |
| Net loans and leases to total assets | 42.0089% | 4,827 |
| Net loans and leases to deposits | 46.9841% | 4,901 |
| Net loans and leases to core deposits | 51.3189% | 4,855 |
| Total domestic deposits to total assets | 89.4110% | 688 |
| Equity capital to assets | 10.3960% | 3,422 |
| Core capital (leverage) ratio | 10.3171% | 3,255 |
| Tier 1 risk-based capital ratio | 18.9128% | 1,562 |
| Total risk-based capital ratio | 20.1641% | 1,530 |
| Memoranda: | ||
| Average total assets | $162,630,500 | 3,267 |
| Average earning assets | $154,251,000 | 3,223 |
| Average equity | $16,569,500 | 3,522 |
| Average total loans | $69,747,000 | 3,868 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 3,601 |
| Cost of funding earning assets | 0.2522% | 4,794 |
| Net interest margin | 3.8923% | 2,350 |
| Noninterest income to average assets | 0.7746% | 1,549 |
| Noninterest expense to average assets | 3.1367% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3016% | 1,793 |
| Return on assets (ROA) | 1.2921% | 1,827 |
| Pretax return on assets | 1.2921% | 2,531 |
| Return on Equity (ROE) | 12.8226% | 1,410 |
| Retained earnings to average equity (ytd only) | 4.5275% | 3,038 |
| Net charge-offs to loans | 0.0754% | 2,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 37.0909% | 1,396 |
| Efficiency ratio | 70.6728% | 2,081 |
| Assets per employee ($millions) | 4.0259% | 3,862 |
| Cash dividends to net income (ytd only)* | 64.6914% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7068% | 825 |
| Loan loss allowance to noncurrent loans | 910.0000% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 4,417 |
| Noncurrent loans to loans | 0.1876% | 3,899 |
| Net loans and leases to total assets | 42.3066% | 4,871 |
| Net loans and leases to deposits | 47.0539% | 4,957 |
| Net loans and leases to core deposits | 51.0663% | 4,915 |
| Total domestic deposits to total assets | 89.9108% | 505 |
| Equity capital to assets | 9.9768% | 3,701 |
| Core capital (leverage) ratio | 10.4690% | 3,064 |
| Tier 1 risk-based capital ratio | 19.6276% | 1,377 |
| Total risk-based capital ratio | 20.8792% | 1,348 |
| Memoranda: | ||
| Average total assets | $156,727,000 | 3,319 |
| Average earning assets | $147,522,200 | 3,278 |
| Average equity | $15,792,400 | 3,533 |
| Average total loans | $72,958,000 | 3,811 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1399% | 3,493 |
| Cost of funding earning assets | 0.2288% | 4,897 |
| Net interest margin | 3.9111% | 2,255 |
| Noninterest income to average assets | 0.7992% | 1,477 |
| Noninterest expense to average assets | 3.0332% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4408% | 1,357 |
| Return on assets (ROA) | 1.4408% | 1,358 |
| Pretax return on assets | 1.4408% | 2,084 |
| Return on Equity (ROE) | 14.2623% | 1,049 |
| Retained earnings to average equity (ytd only) | 6.0373% | 2,641 |
| Net charge-offs to loans | 0.0361% | 2,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 84.0874% | 856 |
| Efficiency ratio | 67.7963% | 2,576 |
| Assets per employee ($millions) | 4.0966% | 3,736 |
| Cash dividends to net income (ytd only)* | 57.6694% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 925 |
| Loan loss allowance to noncurrent loans | 761.2500% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,461 |
| Noncurrent loans to loans | 0.2195% | 3,922 |
| Net loans and leases to total assets | 46.0336% | 4,800 |
| Net loans and leases to deposits | 51.2960% | 4,906 |
| Net loans and leases to core deposits | 55.1005% | 4,870 |
| Total domestic deposits to total assets | 89.7412% | 588 |
| Equity capital to assets | 9.9704% | 3,678 |
| Core capital (leverage) ratio | 10.6665% | 2,918 |
| Tier 1 risk-based capital ratio | 18.3744% | 1,697 |
| Total risk-based capital ratio | 19.6256% | 1,653 |
| Memoranda: | ||
| Average total assets | $155,650,250 | 3,352 |
| Average earning assets | $146,247,500 | 3,329 |
| Average equity | $15,724,000 | 3,566 |
| Average total loans | $73,869,750 | 3,833 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 3,483 |
| Cost of funding earning assets | 0.2218% | 4,909 |
| Net interest margin | 3.8687% | 2,314 |
| Noninterest income to average assets | 0.8519% | 1,313 |
| Noninterest expense to average assets | 3.0364% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4469% | 1,288 |
| Return on assets (ROA) | 1.4469% | 1,289 |
| Pretax return on assets | 1.4469% | 1,997 |
| Return on Equity (ROE) | 14.2607% | 1,023 |
| Retained earnings to average equity (ytd only) | 6.0285% | 2,544 |
| Net charge-offs to loans | 0.0350% | 2,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 86.6154% | 779 |
| Efficiency ratio | 67.7271% | 2,694 |
| Assets per employee ($millions) | 4.0195% | 3,863 |
| Cash dividends to net income (ytd only)* | 57.7265% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 46.3716% | 4,802 |
| Net loans and leases to deposits | 51.8116% | 4,921 |
| Net loans and leases to core deposits | 56.1018% | 4,867 |
| Total domestic deposits to total assets | 89.5005% | 740 |
| Equity capital to assets | 10.2560% | 3,382 |
| Core capital (leverage) ratio | 10.6361% | 2,882 |
| Tier 1 risk-based capital ratio | 18.3803% | 1,703 |
| Total risk-based capital ratio | 19.6309% | 1,668 |
| Memoranda: | ||
| Average total assets | $155,643,330 | 3,374 |
| Average earning assets | $146,095,000 | 3,346 |
| Average equity | $15,791,670 | 3,581 |
| Average total loans | $74,200,000 | 3,844 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 3,484 |
| Cost of funding earning assets | 0.2068% | 4,973 |
| Net interest margin | 3.8289% | 2,307 |
| Noninterest income to average assets | 0.9650% | 991 |
| Noninterest expense to average assets | 3.0275% | 1,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5201% | 1,032 |
| Return on assets (ROA) | 1.5201% | 1,032 |
| Pretax return on assets | 1.5201% | 1,626 |
| Return on Equity (ROE) | 15.0615% | 795 |
| Retained earnings to average equity (ytd only) | 6.7360% | 2,393 |
| Net charge-offs to loans | 0.0159% | 2,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 338 |
| Efficiency ratio | 66.5733% | 3,069 |
| Assets per employee ($millions) | 4.1218% | 3,771 |
| Cash dividends to net income (ytd only)* | 55.2764% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6938% | 959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 45.7641% | 4,803 |
| Net loans and leases to deposits | 50.9095% | 4,926 |
| Net loans and leases to core deposits | 54.9905% | 4,881 |
| Total domestic deposits to total assets | 89.8932% | 702 |
| Equity capital to assets | 9.9434% | 3,649 |
| Core capital (leverage) ratio | 10.1199% | 3,404 |
| Tier 1 risk-based capital ratio | 17.9945% | 1,840 |
| Total risk-based capital ratio | 19.2461% | 1,788 |
| Memoranda: | ||
| Average total assets | $157,095,000 | 3,393 |
| Average earning assets | $146,986,500 | 3,374 |
| Average equity | $15,855,000 | 3,603 |
| Average total loans | $75,273,500 | 3,860 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,210 |
| Cost of funding earning assets | 0.1867% | 5,053 |
| Net interest margin | 3.8720% | 2,180 |
| Noninterest income to average assets | 0.6653% | 2,114 |
| Noninterest expense to average assets | 3.3705% | 1,251 |
| Loan and lease loss provision to assets | 0.0350% | 3,568 |
| Net operating income to assets | 0.9170% | 2,615 |
| Return on assets (ROA) | 0.9440% | 2,506 |
| Pretax return on assets | 0.9440% | 3,762 |
| Return on Equity (ROE) | 8.7645% | 2,425 |
| Retained earnings to average equity (ytd only) | 2.2632% | 3,961 |
| Net charge-offs to loans | 0.0090% | 3,771 |
| Credit loss provision to net charge-offs | 757.1429% | 439 |
| Earnings coverage of net charge-offs (x) | 205.8571% | 389 |
| Efficiency ratio | 77.9765% | 1,355 |
| Assets per employee ($millions) | 4.1464% | 3,747 |
| Cash dividends to net income (ytd only)* | 74.1777% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 1,153 |
| Loan loss allowance to noncurrent loans | 1,225.7426% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 4,805 |
| Noncurrent loans to loans | 0.1301% | 4,407 |
| Net loans and leases to total assets | 48.4854% | 4,739 |
| Net loans and leases to deposits | 54.0765% | 4,892 |
| Net loans and leases to core deposits | 58.2363% | 4,839 |
| Total domestic deposits to total assets | 89.6606% | 703 |
| Equity capital to assets | 10.2410% | 3,447 |
| Core capital (leverage) ratio | 10.2980% | 3,072 |
| Tier 1 risk-based capital ratio | 16.9203% | 2,120 |
| Total risk-based capital ratio | 18.1711% | 2,058 |
| Memoranda: | ||
| Average total assets | $151,370,400 | 3,453 |
| Average earning assets | $142,975,600 | 3,410 |
| Average equity | $16,304,400 | 3,557 |
| Average total loans | $77,361,800 | 3,800 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0426% | 3,206 |
| Cost of funding earning assets | 0.1847% | 5,103 |
| Net interest margin | 3.8578% | 2,194 |
| Noninterest income to average assets | 0.6808% | 2,079 |
| Noninterest expense to average assets | 3.1610% | 1,653 |
| Loan and lease loss provision to assets | 0.0472% | 3,159 |
| Net operating income to assets | 1.1151% | 2,018 |
| Return on assets (ROA) | 1.1516% | 1,927 |
| Pretax return on assets | 1.1516% | 3,107 |
| Return on Equity (ROE) | 10.5545% | 1,878 |
| Retained earnings to average equity (ytd only) | 4.3556% | 3,311 |
| Net charge-offs to loans | 0.0104% | 3,359 |
| Credit loss provision to net charge-offs | 883.3333% | 401 |
| Earnings coverage of net charge-offs (x) | 217.6613% | 397 |
| Efficiency ratio | 73.1165% | 2,022 |
| Assets per employee ($millions) | 3.8736% | 4,202 |
| Cash dividends to net income (ytd only)* | 58.7327% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 1,396 |
| Loan loss allowance to noncurrent loans | 2,636.1702% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 5,080 |
| Noncurrent loans to loans | 0.0584% | 4,853 |
| Net loans and leases to total assets | 52.4859% | 4,537 |
| Net loans and leases to deposits | 59.2834% | 4,674 |
| Net loans and leases to core deposits | 63.8666% | 4,612 |
| Total domestic deposits to total assets | 88.5339% | 1,105 |
| Equity capital to assets | 11.1881% | 2,685 |
| Core capital (leverage) ratio | 10.6340% | 2,845 |
| Tier 1 risk-based capital ratio | 16.9795% | 2,160 |
| Total risk-based capital ratio | 18.2301% | 2,118 |
| Memoranda: | ||
| Average total assets | $149,822,250 | 3,504 |
| Average earning assets | $141,457,250 | 3,457 |
| Average equity | $16,346,500 | 3,585 |
| Average total loans | $77,294,000 | 3,835 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 3,309 |
| Cost of funding earning assets | 0.1816% | 5,131 |
| Net interest margin | 3.7905% | 2,319 |
| Noninterest income to average assets | 0.6881% | 2,044 |
| Noninterest expense to average assets | 3.1445% | 1,717 |
| Loan and lease loss provision to assets | 0.0535% | 2,905 |
| Net operating income to assets | 1.0669% | 2,132 |
| Return on assets (ROA) | 1.0696% | 2,171 |
| Pretax return on assets | 1.0696% | 3,299 |
| Return on Equity (ROE) | 9.8878% | 2,088 |
| Retained earnings to average equity (ytd only) | 3.2052% | 3,809 |
| Net charge-offs to loans | 0.0105% | 3,088 |
| Credit loss provision to net charge-offs | 1,000.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 209.2500% | 400 |
| Efficiency ratio | 73.7288% | 2,065 |
| Assets per employee ($millions) | 4.0817% | 3,826 |
| Cash dividends to net income (ytd only)* | 67.5845% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 1,294 |
| Loan loss allowance to noncurrent loans | 3,148.7179% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 5,165 |
| Noncurrent loans to loans | 0.0504% | 4,938 |
| Net loans and leases to total assets | 50.4403% | 4,676 |
| Net loans and leases to deposits | 56.8970% | 4,812 |
| Net loans and leases to core deposits | 61.0453% | 4,766 |
| Total domestic deposits to total assets | 88.6520% | 1,132 |
| Equity capital to assets | 11.1090% | 2,693 |
| Core capital (leverage) ratio | 10.3883% | 3,035 |
| Tier 1 risk-based capital ratio | 17.1712% | 2,112 |
| Total risk-based capital ratio | 18.4220% | 2,055 |
| Memoranda: | ||
| Average total assets | $149,406,000 | 3,526 |
| Average earning assets | $140,983,330 | 3,480 |
| Average equity | $16,161,330 | 3,621 |
| Average total loans | $76,215,330 | 3,876 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,252 |
| Cost of funding earning assets | 0.1794% | 5,159 |
| Net interest margin | 3.7584% | 2,268 |
| Noninterest income to average assets | 0.8695% | 1,338 |
| Noninterest expense to average assets | 3.0956% | 1,880 |
| Loan and lease loss provision to assets | 0.1077% | 1,775 |
| Net operating income to assets | 1.2194% | 1,464 |
| Return on assets (ROA) | 1.2248% | 1,481 |
| Pretax return on assets | 1.2248% | 2,496 |
| Return on Equity (ROE) | 11.4801% | 1,409 |
| Retained earnings to average equity (ytd only) | 3.4062% | 3,737 |
| Net charge-offs to loans | 0.0159% | 2,482 |
| Credit loss provision to net charge-offs | 1,333.3333% | 244 |
| Earnings coverage of net charge-offs (x) | 164.3333% | 330 |
| Efficiency ratio | 69.9939% | 2,892 |
| Assets per employee ($millions) | 3.8776% | 4,216 |
| Cash dividends to net income (ytd only)* | 70.3297% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 1,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 48.6352% | 4,776 |
| Net loans and leases to deposits | 54.4920% | 4,904 |
| Net loans and leases to core deposits | 58.6468% | 4,846 |
| Total domestic deposits to total assets | 89.2518% | 1,027 |
| Equity capital to assets | 10.5828% | 3,083 |
| Core capital (leverage) ratio | 10.3375% | 3,074 |
| Tier 1 risk-based capital ratio | 17.7455% | 1,959 |
| Total risk-based capital ratio | 18.9969% | 1,912 |
| Memoranda: | ||
| Average total assets | $148,598,000 | 3,575 |
| Average earning assets | $140,484,000 | 3,517 |
| Average equity | $15,853,500 | 3,678 |
| Average total loans | $75,621,000 | 3,914 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 3,441 |
| Cost of funding earning assets | 0.1850% | 5,161 |
| Net interest margin | 3.7497% | 2,504 |
| Noninterest income to average assets | 0.7241% | 2,061 |
| Noninterest expense to average assets | 3.0318% | 2,250 |
| Loan and lease loss provision to assets | 0.0905% | 2,551 |
| Net operating income to assets | 1.1496% | 1,696 |
| Return on assets (ROA) | 1.1436% | 1,811 |
| Pretax return on assets | 1.1436% | 2,922 |
| Return on Equity (ROE) | 10.3812% | 1,810 |
| Retained earnings to average equity (ytd only) | 5.0437% | 2,314 |
| Net charge-offs to loans | 0.0123% | 3,859 |
| Credit loss provision to net charge-offs | 1,522.2222% | 275 |
| Earnings coverage of net charge-offs (x) | 208.5556% | 333 |
| Efficiency ratio | 70.9712% | 2,753 |
| Assets per employee ($millions) | 3.9451% | 4,067 |
| Cash dividends to net income (ytd only)* | 51.4154% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5589% | 1,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 51.5668% | 4,648 |
| Net loans and leases to deposits | 57.8566% | 4,799 |
| Net loans and leases to core deposits | 62.4591% | 4,729 |
| Total domestic deposits to total assets | 89.1286% | 1,049 |
| Equity capital to assets | 10.7577% | 2,859 |
| Core capital (leverage) ratio | 10.4208% | 2,962 |
| Tier 1 risk-based capital ratio | 17.2174% | 2,086 |
| Total risk-based capital ratio | 18.4680% | 2,043 |
| Memoranda: | ||
| Average total assets | $151,361,400 | 3,503 |
| Average earning assets | $143,210,200 | 3,462 |
| Average equity | $16,674,400 | 3,595 |
| Average total loans | $73,312,600 | 3,957 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 3,719 |
| Cost of funding earning assets | 0.1842% | 5,229 |
| Net interest margin | 3.6809% | 2,788 |
| Noninterest income to average assets | 0.7142% | 2,112 |
| Noninterest expense to average assets | 2.8341% | 2,895 |
| Loan and lease loss provision to assets | 0.1153% | 2,008 |
| Net operating income to assets | 1.2538% | 1,446 |
| Return on assets (ROA) | 1.3105% | 1,347 |
| Pretax return on assets | 1.3105% | 2,388 |
| Return on Equity (ROE) | 11.8298% | 1,379 |
| Retained earnings to average equity (ytd only) | 8.1256% | 1,122 |
| Net charge-offs to loans | 0.0129% | 3,504 |
| Credit loss provision to net charge-offs | 1,885.7143% | 247 |
| Earnings coverage of net charge-offs (x) | 224.0740% | 347 |
| Efficiency ratio | 67.4283% | 3,336 |
| Assets per employee ($millions) | 4.0088% | 3,949 |
| Cash dividends to net income (ytd only)* | 31.3125% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 1,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 51.4701% | 4,695 |
| Net loans and leases to deposits | 59.0532% | 4,818 |
| Net loans and leases to core deposits | 64.9239% | 4,673 |
| Total domestic deposits to total assets | 87.1588% | 1,819 |
| Equity capital to assets | 11.7147% | 2,332 |
| Core capital (leverage) ratio | 10.3909% | 3,119 |
| Tier 1 risk-based capital ratio | 17.2580% | 2,146 |
| Total risk-based capital ratio | 18.5084% | 2,106 |
| Memoranda: | ||
| Average total assets | $152,709,250 | 3,491 |
| Average earning assets | $144,741,750 | 3,454 |
| Average equity | $16,917,250 | 3,594 |
| Average total loans | $72,524,750 | 4,005 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 3,919 |
| Cost of funding earning assets | 0.1781% | 5,339 |
| Net interest margin | 3.6334% | 2,960 |
| Noninterest income to average assets | 0.6901% | 2,188 |
| Noninterest expense to average assets | 2.7788% | 3,094 |
| Loan and lease loss provision to assets | 0.1349% | 1,690 |
| Net operating income to assets | 1.2168% | 1,541 |
| Return on assets (ROA) | 1.3038% | 1,363 |
| Pretax return on assets | 1.3038% | 2,392 |
| Return on Equity (ROE) | 11.9897% | 1,329 |
| Retained earnings to average equity (ytd only) | 7.8739% | 1,212 |
| Net charge-offs to loans | 0.0141% | 3,257 |
| Credit loss provision to net charge-offs | 2,080.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 208.4000% | 312 |
| Efficiency ratio | 67.2739% | 3,490 |
| Assets per employee ($millions) | 4.3465% | 3,303 |
| Cash dividends to net income (ytd only)* | 34.3284% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 1,563 |
| Loan loss allowance to noncurrent loans | 874.4361% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 5,177 |
| Noncurrent loans to loans | 0.1815% | 4,709 |
| Net loans and leases to total assets | 47.3953% | 5,041 |
| Net loans and leases to deposits | 55.3401% | 5,059 |
| Net loans and leases to core deposits | 60.6123% | 4,954 |
| Total domestic deposits to total assets | 85.6438% | 2,590 |
| Equity capital to assets | 11.3391% | 2,704 |
| Core capital (leverage) ratio | 9.9292% | 3,650 |
| Tier 1 risk-based capital ratio | 17.0526% | 2,196 |
| Total risk-based capital ratio | 18.3037% | 2,158 |
| Memoranda: | ||
| Average total assets | $154,170,000 | 3,495 |
| Average earning assets | $145,980,330 | 3,459 |
| Average equity | $16,764,330 | 3,620 |
| Average total loans | $70,855,330 | 4,074 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 3,991 |
| Cost of funding earning assets | 0.1554% | 5,569 |
| Net interest margin | 3.6319% | 2,958 |
| Noninterest income to average assets | 0.8068% | 1,598 |
| Noninterest expense to average assets | 2.7785% | 3,152 |
| Loan and lease loss provision to assets | 0.2139% | 906 |
| Net operating income to assets | 1.2475% | 1,413 |
| Return on assets (ROA) | 1.3454% | 1,215 |
| Pretax return on assets | 1.3454% | 2,109 |
| Return on Equity (ROE) | 12.6381% | 1,119 |
| Retained earnings to average equity (ytd only) | 7.3117% | 1,745 |
| Net charge-offs to loans | 0.0057% | 2,915 |
| Credit loss provision to net charge-offs | 8,300.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 567.0000% | 92 |
| Efficiency ratio | 65.5319% | 3,872 |
| Assets per employee ($millions) | 4.6515% | 2,818 |
| Cash dividends to net income (ytd only)* | 42.1456% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 1,506 |
| Loan loss allowance to noncurrent loans | 38,200.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,685 |
| Noncurrent loans to loans | 0.0043% | 5,516 |
| Net loans and leases to total assets | 44.7763% | 5,204 |
| Net loans and leases to deposits | 50.3476% | 5,322 |
| Net loans and leases to core deposits | 54.7290% | 5,199 |
| Total domestic deposits to total assets | 88.9343% | 1,137 |
| Equity capital to assets | 10.9042% | 3,039 |
| Core capital (leverage) ratio | 9.4871% | 4,218 |
| Tier 1 risk-based capital ratio | 17.0506% | 2,272 |
| Total risk-based capital ratio | 18.3008% | 2,231 |
| Memoranda: | ||
| Average total assets | $155,190,500 | 3,502 |
| Average earning assets | $146,701,500 | 3,463 |
| Average equity | $16,521,500 | 3,658 |
| Average total loans | $69,650,500 | 4,122 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6623% | 4,482 |
| Cost of funding earning assets | 0.1626% | 5,585 |
| Net interest margin | 3.4996% | 3,523 |
| Noninterest income to average assets | 0.6305% | 2,558 |
| Noninterest expense to average assets | 2.9665% | 2,656 |
| Loan and lease loss provision to assets | 0.0850% | 2,593 |
| Net operating income to assets | 0.9087% | 2,818 |
| Return on assets (ROA) | 0.9112% | 2,889 |
| Pretax return on assets | 0.9112% | 3,790 |
| Return on Equity (ROE) | 8.9258% | 2,486 |
| Retained earnings to average equity (ytd only) | 3.9148% | 3,253 |
| Net charge-offs to loans | -0.0355% | 5,457 |
| Credit loss provision to net charge-offs | -578.2609% | 5,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9072% | 2,439 |
| Assets per employee ($millions) | 4.6141% | 2,862 |
| Cash dividends to net income (ytd only)* | 56.1404% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,854 |
| Loan loss allowance to noncurrent loans | 800.0000% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 5,290 |
| Noncurrent loans to loans | 0.1916% | 4,719 |
| Net loans and leases to total assets | 43.5741% | 5,303 |
| Net loans and leases to deposits | 48.8240% | 5,448 |
| Net loans and leases to core deposits | 52.8538% | 5,380 |
| Total domestic deposits to total assets | 89.2472% | 1,001 |
| Equity capital to assets | 10.3933% | 3,497 |
| Core capital (leverage) ratio | 9.3001% | 4,476 |
| Tier 1 risk-based capital ratio | 16.4924% | 2,485 |
| Total risk-based capital ratio | 17.7018% | 2,461 |
| Memoranda: | ||
| Average total assets | $156,380,200 | 3,480 |
| Average earning assets | $148,786,600 | 3,425 |
| Average equity | $15,965,000 | 3,679 |
| Average total loans | $64,874,200 | 4,233 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 4,693 |
| Cost of funding earning assets | 0.1632% | 5,678 |
| Net interest margin | 3.4504% | 3,752 |
| Noninterest income to average assets | 0.6383% | 2,534 |
| Noninterest expense to average assets | 2.7877% | 3,236 |
| Loan and lease loss provision to assets | 0.1007% | 2,167 |
| Net operating income to assets | 1.0342% | 2,307 |
| Return on assets (ROA) | 1.0376% | 2,382 |
| Pretax return on assets | 1.0376% | 3,476 |
| Return on Equity (ROE) | 10.2096% | 2,021 |
| Retained earnings to average equity (ytd only) | 6.0116% | 2,240 |
| Net charge-offs to loans | -0.0084% | 4,932 |
| Credit loss provision to net charge-offs | -2,950.0000% | 5,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0681% | 3,032 |
| Assets per employee ($millions) | 4.5656% | 2,894 |
| Cash dividends to net income (ytd only)* | 41.1185% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 2,121 |
| Loan loss allowance to noncurrent loans | 1,226.1905% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 5,556 |
| Noncurrent loans to loans | 0.1231% | 5,137 |
| Net loans and leases to total assets | 43.3076% | 5,399 |
| Net loans and leases to deposits | 49.8280% | 5,478 |
| Net loans and leases to core deposits | 54.1168% | 5,396 |
| Total domestic deposits to total assets | 86.9142% | 2,087 |
| Equity capital to assets | 10.4310% | 3,671 |
| Core capital (leverage) ratio | 9.4339% | 4,387 |
| Tier 1 risk-based capital ratio | 17.1392% | 2,322 |
| Total risk-based capital ratio | 18.3483% | 2,288 |
| Memoranda: | ||
| Average total assets | $156,255,250 | 3,514 |
| Average earning assets | $148,732,500 | 3,453 |
| Average equity | $15,880,000 | 3,731 |
| Average total loans | $63,737,000 | 4,314 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5648% | 4,823 |
| Cost of funding earning assets | 0.1570% | 5,805 |
| Net interest margin | 3.4078% | 3,888 |
| Noninterest income to average assets | 0.6118% | 2,671 |
| Noninterest expense to average assets | 2.7893% | 3,275 |
| Loan and lease loss provision to assets | 0.1315% | 1,671 |
| Net operating income to assets | 0.9349% | 2,713 |
| Return on assets (ROA) | 0.9400% | 2,809 |
| Pretax return on assets | 0.9400% | 3,810 |
| Return on Equity (ROE) | 9.3306% | 2,375 |
| Retained earnings to average equity (ytd only) | 4.5766% | 3,123 |
| Net charge-offs to loans | 0.0032% | 3,792 |
| Credit loss provision to net charge-offs | 10,300.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 835.0000% | 73 |
| Efficiency ratio | 72.3418% | 2,958 |
| Assets per employee ($millions) | 4.6602% | 2,732 |
| Cash dividends to net income (ytd only)* | 50.9511% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 1,864 |
| Loan loss allowance to noncurrent loans | 1,442.8571% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 5,680 |
| Noncurrent loans to loans | 0.1118% | 5,308 |
| Net loans and leases to total assets | 40.0650% | 5,627 |
| Net loans and leases to deposits | 44.9399% | 5,726 |
| Net loans and leases to core deposits | 48.8488% | 5,659 |
| Total domestic deposits to total assets | 89.1524% | 1,070 |
| Equity capital to assets | 10.0517% | 3,980 |
| Core capital (leverage) ratio | 9.2607% | 4,606 |
| Tier 1 risk-based capital ratio | 17.4936% | 2,222 |
| Total risk-based capital ratio | 18.7339% | 2,183 |
| Memoranda: | ||
| Average total assets | $156,597,330 | 3,536 |
| Average earning assets | $149,069,670 | 3,468 |
| Average equity | $15,776,000 | 3,760 |
| Average total loans | $62,230,670 | 4,399 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 4,885 |
| Cost of funding earning assets | 0.1568% | 5,874 |
| Net interest margin | 3.3735% | 3,939 |
| Noninterest income to average assets | 0.7519% | 1,908 |
| Noninterest expense to average assets | 2.6177% | 3,870 |
| Loan and lease loss provision to assets | 0.2101% | 853 |
| Net operating income to assets | 1.1367% | 1,735 |
| Return on assets (ROA) | 1.1468% | 1,819 |
| Pretax return on assets | 1.1468% | 2,880 |
| Return on Equity (ROE) | 11.3712% | 1,525 |
| Retained earnings to average equity (ytd only) | 7.6059% | 1,719 |
| Net charge-offs to loans | 0.0064% | 3,108 |
| Credit loss provision to net charge-offs | 8,300.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 532.0000% | 102 |
| Efficiency ratio | 66.0281% | 4,153 |
| Assets per employee ($millions) | 4.6227% | 2,871 |
| Cash dividends to net income (ytd only)* | 33.1126% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 2,015 |
| Loan loss allowance to noncurrent loans | 33,000.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,971 |
| Noncurrent loans to loans | 0.0049% | 5,798 |
| Net loans and leases to total assets | 37.3796% | 5,759 |
| Net loans and leases to deposits | 41.6011% | 5,853 |
| Net loans and leases to core deposits | 45.1214% | 5,793 |
| Total domestic deposits to total assets | 89.8525% | 812 |
| Equity capital to assets | 10.0146% | 4,129 |
| Core capital (leverage) ratio | 9.1116% | 4,834 |
| Tier 1 risk-based capital ratio | 17.7406% | 2,221 |
| Total risk-based capital ratio | 18.9786% | 2,193 |
| Memoranda: | ||
| Average total assets | $158,003,500 | 3,540 |
| Average earning assets | $150,469,000 | 3,458 |
| Average equity | $15,935,000 | 3,757 |
| Average total loans | $62,034,000 | 4,428 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6370% | 4,975 |
| Cost of funding earning assets | 0.1726% | 5,963 |
| Net interest margin | 3.4644% | 3,924 |
| Noninterest income to average assets | 0.6996% | 2,304 |
| Noninterest expense to average assets | 2.8569% | 3,272 |
| Loan and lease loss provision to assets | 0.1890% | 1,355 |
| Net operating income to assets | 0.9333% | 2,710 |
| Return on assets (ROA) | 1.1374% | 1,895 |
| Pretax return on assets | 1.1374% | 2,939 |
| Return on Equity (ROE) | 11.7166% | 1,489 |
| Retained earnings to average equity (ytd only) | 7.0854% | 1,362 |
| Net charge-offs to loans | 0.0157% | 4,561 |
| Credit loss provision to net charge-offs | 3,200.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 280 |
| Efficiency ratio | 71.7961% | 3,240 |
| Assets per employee ($millions) | 4.1679% | 3,599 |
| Cash dividends to net income (ytd only)* | 39.5268% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 2,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 40.0044% | 5,748 |
| Net loans and leases to deposits | 44.5706% | 5,861 |
| Net loans and leases to core deposits | 48.5672% | 5,783 |
| Total domestic deposits to total assets | 89.7551% | 853 |
| Equity capital to assets | 10.1593% | 3,909 |
| Core capital (leverage) ratio | 9.1604% | 4,733 |
| Tier 1 risk-based capital ratio | 17.9141% | 2,168 |
| Total risk-based capital ratio | 19.0857% | 2,158 |
| Memoranda: | ||
| Average total assets | $152,369,200 | 3,594 |
| Average earning assets | $144,239,000 | 3,533 |
| Average equity | $14,791,000 | 3,879 |
| Average total loans | $57,491,600 | 4,568 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6270% | 5,076 |
| Cost of funding earning assets | 0.1773% | 6,012 |
| Net interest margin | 3.4498% | 4,021 |
| Noninterest income to average assets | 0.7188% | 2,237 |
| Noninterest expense to average assets | 2.6980% | 3,833 |
| Loan and lease loss provision to assets | 0.2221% | 1,029 |
| Net operating income to assets | 1.0611% | 2,190 |
| Return on assets (ROA) | 1.1770% | 1,838 |
| Pretax return on assets | 1.1770% | 2,877 |
| Return on Equity (ROE) | 12.2698% | 1,413 |
| Retained earnings to average equity (ytd only) | 8.3811% | 1,196 |
| Net charge-offs to loans | 0.0142% | 4,268 |
| Credit loss provision to net charge-offs | 4,216.6667% | 93 |
| Earnings coverage of net charge-offs (x) | 243.6600% | 273 |
| Efficiency ratio | 67.7690% | 3,898 |
| Assets per employee ($millions) | 4.2161% | 3,449 |
| Cash dividends to net income (ytd only)* | 31.6925% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 2,716 |
| Loan loss allowance to noncurrent loans | 17,520.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 6,142 |
| Noncurrent loans to loans | 0.0086% | 6,008 |
| Net loans and leases to total assets | 39.0214% | 5,881 |
| Net loans and leases to deposits | 44.4254% | 5,950 |
| Net loans and leases to core deposits | 48.4644% | 5,862 |
| Total domestic deposits to total assets | 87.8359% | 1,844 |
| Equity capital to assets | 10.6001% | 3,428 |
| Core capital (leverage) ratio | 9.2621% | 4,690 |
| Tier 1 risk-based capital ratio | 18.3671% | 2,099 |
| Total risk-based capital ratio | 19.5371% | 2,082 |
| Memoranda: | ||
| Average total assets | $151,908,250 | 3,626 |
| Average earning assets | $143,658,750 | 3,578 |
| Average equity | $14,572,000 | 3,934 |
| Average total loans | $56,214,500 | 4,654 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5793% | 5,205 |
| Cost of funding earning assets | 0.1810% | 6,066 |
| Net interest margin | 3.3984% | 4,180 |
| Noninterest income to average assets | 0.7629% | 1,995 |
| Noninterest expense to average assets | 2.6070% | 4,218 |
| Loan and lease loss provision to assets | 0.2556% | 847 |
| Net operating income to assets | 1.1085% | 1,908 |
| Return on assets (ROA) | 1.2807% | 1,418 |
| Pretax return on assets | 1.2807% | 2,333 |
| Return on Equity (ROE) | 13.8161% | 994 |
| Retained earnings to average equity (ytd only) | 9.7360% | 781 |
| Net charge-offs to loans | 0.0180% | 3,859 |
| Credit loss provision to net charge-offs | 3,920.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 209.2000% | 319 |
| Efficiency ratio | 65.6486% | 4,410 |
| Assets per employee ($millions) | 4.1690% | 3,514 |
| Cash dividends to net income (ytd only)* | 29.5316% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 2,999 |
| Loan loss allowance to noncurrent loans | 10,250.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 6,249 |
| Noncurrent loans to loans | 0.0144% | 6,038 |
| Net loans and leases to total assets | 36.4194% | 6,031 |
| Net loans and leases to deposits | 40.5962% | 6,129 |
| Net loans and leases to core deposits | 44.2846% | 6,053 |
| Total domestic deposits to total assets | 89.7112% | 962 |
| Equity capital to assets | 10.1136% | 3,951 |
| Core capital (leverage) ratio | 8.9499% | 5,092 |
| Tier 1 risk-based capital ratio | 18.4811% | 2,076 |
| Total risk-based capital ratio | 19.6014% | 2,076 |
| Memoranda: | ||
| Average total assets | $153,356,000 | 3,630 |
| Average earning assets | $144,776,000 | 3,585 |
| Average equity | $14,215,330 | 4,006 |
| Average total loans | $55,466,670 | 4,704 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5426% | 5,322 |
| Cost of funding earning assets | 0.1831% | 6,134 |
| Net interest margin | 3.3595% | 4,295 |
| Noninterest income to average assets | 0.9084% | 1,363 |
| Noninterest expense to average assets | 2.4337% | 4,835 |
| Loan and lease loss provision to assets | 0.4800% | 319 |
| Net operating income to assets | 1.1665% | 1,575 |
| Return on assets (ROA) | 1.4633% | 902 |
| Pretax return on assets | 1.4633% | 1,537 |
| Return on Equity (ROE) | 16.5144% | 588 |
| Retained earnings to average equity (ytd only) | 12.2911% | 571 |
| Net charge-offs to loans | 0.0361% | 2,884 |
| Credit loss provision to net charge-offs | 3,720.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 127.6000% | 384 |
| Efficiency ratio | 59.6458% | 5,448 |
| Assets per employee ($millions) | 4.4803% | 3,001 |
| Cash dividends to net income (ytd only)* | 25.5732% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 3,171 |
| Loan loss allowance to noncurrent loans | 3,857.1429% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 6,283 |
| Noncurrent loans to loans | 0.0387% | 6,033 |
| Net loans and leases to total assets | 35.1032% | 6,119 |
| Net loans and leases to deposits | 38.7685% | 6,214 |
| Net loans and leases to core deposits | 42.3854% | 6,144 |
| Total domestic deposits to total assets | 90.5456% | 774 |
| Equity capital to assets | 9.3087% | 4,751 |
| Core capital (leverage) ratio | 8.6246% | 5,498 |
| Tier 1 risk-based capital ratio | 18.3880% | 2,149 |
| Total risk-based capital ratio | 19.5113% | 2,149 |
| Memoranda: | ||
| Average total assets | $154,991,500 | 3,633 |
| Average earning assets | $146,331,500 | 3,584 |
| Average equity | $13,733,500 | 4,093 |
| Average total loans | $55,460,000 | 4,744 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2418% | 6,090 |
| Cost of funding earning assets | 0.2309% | 6,087 |
| Net interest margin | 3.0109% | 5,555 |
| Noninterest income to average assets | 0.5890% | 3,158 |
| Noninterest expense to average assets | 2.6734% | 4,199 |
| Loan and lease loss provision to assets | 0.1292% | 2,698 |
| Net operating income to assets | 0.6468% | 4,044 |
| Return on assets (ROA) | 0.9027% | 2,847 |
| Pretax return on assets | 0.9027% | 3,755 |
| Return on Equity (ROE) | 10.3321% | 1,980 |
| Retained earnings to average equity (ytd only) | 6.7055% | 1,574 |
| Net charge-offs to loans | 0.4551% | 1,454 |
| Credit loss provision to net charge-offs | 100.4831% | 2,405 |
| Earnings coverage of net charge-offs (x) | 6.0338% | 3,145 |
| Efficiency ratio | 77.5036% | 2,542 |
| Assets per employee ($millions) | 4.6368% | 2,675 |
| Cash dividends to net income (ytd only)* | 35.0998% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,099 |
| Loan loss allowance to noncurrent loans | 8,985.7143% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,430 |
| Noncurrent loans to loans | 0.0124% | 6,243 |
| Net loans and leases to total assets | 35.5263% | 6,224 |
| Net loans and leases to deposits | 41.3752% | 6,255 |
| Net loans and leases to core deposits | 45.3396% | 6,168 |
| Total domestic deposits to total assets | 85.8638% | 3,332 |
| Equity capital to assets | 8.4281% | 5,660 |
| Core capital (leverage) ratio | 8.4337% | 5,740 |
| Tier 1 risk-based capital ratio | 17.0641% | 2,578 |
| Total risk-based capital ratio | 17.9002% | 2,740 |
| Memoranda: | ||
| Average total assets | $160,958,000 | 3,548 |
| Average earning assets | $152,908,800 | 3,455 |
| Average equity | $14,063,000 | 4,054 |
| Average total loans | $45,482,200 | 5,132 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1397% | 6,267 |
| Cost of funding earning assets | 0.2365% | 6,184 |
| Net interest margin | 2.9032% | 5,809 |
| Noninterest income to average assets | 0.5480% | 3,476 |
| Noninterest expense to average assets | 2.4122% | 4,991 |
| Loan and lease loss provision to assets | 0.1714% | 2,121 |
| Net operating income to assets | 0.7261% | 3,726 |
| Return on assets (ROA) | 1.0656% | 2,220 |
| Pretax return on assets | 1.0656% | 3,242 |
| Return on Equity (ROE) | 12.0920% | 1,448 |
| Retained earnings to average equity (ytd only) | 8.8188% | 1,113 |
| Net charge-offs to loans | 0.6871% | 875 |
| Credit loss provision to net charge-offs | 94.5455% | 2,519 |
| Earnings coverage of net charge-offs (x) | 4.9499% | 3,314 |
| Efficiency ratio | 72.8835% | 3,245 |
| Assets per employee ($millions) | 4.2866% | 3,257 |
| Cash dividends to net income (ytd only)* | 27.0691% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 4,191 |
| Loan loss allowance to noncurrent loans | 4,400.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 6,474 |
| Noncurrent loans to loans | 0.0305% | 6,256 |
| Net loans and leases to total assets | 30.1980% | 6,528 |
| Net loans and leases to deposits | 33.5958% | 6,581 |
| Net loans and leases to core deposits | 36.5941% | 6,546 |
| Total domestic deposits to total assets | 89.8860% | 1,065 |
| Equity capital to assets | 8.6349% | 5,587 |
| Core capital (leverage) ratio | 8.3344% | 5,937 |
| Tier 1 risk-based capital ratio | 19.5008% | 1,859 |
| Total risk-based capital ratio | 20.4366% | 1,896 |
| Memoranda: | ||
| Average total assets | $161,784,500 | 3,570 |
| Average earning assets | $153,896,000 | 3,470 |
| Average equity | $14,257,000 | 4,066 |
| Average total loans | $42,693,500 | 5,289 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0547% | 6,391 |
| Cost of funding earning assets | 0.2593% | 6,108 |
| Net interest margin | 2.7954% | 6,007 |
| Noninterest income to average assets | 0.5926% | 3,236 |
| Noninterest expense to average assets | 2.3862% | 5,092 |
| Loan and lease loss provision to assets | 0.2511% | 1,478 |
| Net operating income to assets | 0.6228% | 4,185 |
| Return on assets (ROA) | 0.6228% | 4,343 |
| Pretax return on assets | 0.6228% | 4,939 |
| Return on Equity (ROE) | 7.0247% | 3,583 |
| Retained earnings to average equity (ytd only) | 3.8935% | 3,820 |
| Net charge-offs to loans | 1.0332% | 587 |
| Credit loss provision to net charge-offs | 96.7442% | 2,306 |
| Earnings coverage of net charge-offs (x) | 3.3674% | 3,411 |
| Efficiency ratio | 73.1951% | 3,280 |
| Assets per employee ($millions) | 4.1594% | 3,451 |
| Cash dividends to net income (ytd only)* | 44.5736% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 3,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 25.4620% | 6,694 |
| Net loans and leases to deposits | 27.8043% | 6,742 |
| Net loans and leases to core deposits | 29.9953% | 6,720 |
| Total domestic deposits to total assets | 91.5759% | 352 |
| Equity capital to assets | 8.3070% | 5,967 |
| Core capital (leverage) ratio | 7.4438% | 6,477 |
| Tier 1 risk-based capital ratio | 19.0646% | 1,980 |
| Total risk-based capital ratio | 20.0366% | 2,016 |
| Memoranda: | ||
| Average total assets | $165,702,670 | 3,532 |
| Average earning assets | $158,116,670 | 3,425 |
| Average equity | $14,691,000 | 4,009 |
| Average total loans | $41,617,330 | 5,349 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9973% | 6,521 |
| Cost of funding earning assets | 0.2918% | 6,032 |
| Net interest margin | 2.7055% | 6,207 |
| Noninterest income to average assets | 0.7102% | 2,537 |
| Noninterest expense to average assets | 2.2958% | 5,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9957% | 2,239 |
| Return on assets (ROA) | 0.9957% | 2,359 |
| Pretax return on assets | 0.9957% | 3,369 |
| Return on Equity (ROE) | 10.9104% | 1,736 |
| Retained earnings to average equity (ytd only) | 8.0664% | 1,730 |
| Net charge-offs to loans | 0.0381% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 105.5000% | 360 |
| Efficiency ratio | 69.7491% | 4,017 |
| Assets per employee ($millions) | 4.7733% | 2,535 |
| Cash dividends to net income (ytd only)* | 26.0664% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 3,637 |
| Loan loss allowance to noncurrent loans | 1,356.5217% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 6,530 |
| Noncurrent loans to loans | 0.1140% | 6,134 |
| Net loans and leases to total assets | 23.1154% | 6,793 |
| Net loans and leases to deposits | 25.4294% | 6,836 |
| Net loans and leases to core deposits | 27.2317% | 6,821 |
| Total domestic deposits to total assets | 90.9002% | 568 |
| Equity capital to assets | 9.0009% | 5,481 |
| Core capital (leverage) ratio | 7.2096% | 6,579 |
| Tier 1 risk-based capital ratio | 19.1593% | 1,993 |
| Total risk-based capital ratio | 20.1388% | 2,047 |
| Memoranda: | ||
| Average total assets | $169,524,500 | 3,505 |
| Average earning assets | $161,743,000 | 3,403 |
| Average equity | $15,471,500 | 3,910 |
| Average total loans | $41,993,000 | 5,374 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2775% | 6,606 |
| Cost of funding earning assets | 0.4310% | 5,713 |
| Net interest margin | 2.8464% | 6,320 |
| Noninterest income to average assets | 0.6506% | 2,983 |
| Noninterest expense to average assets | 2.5914% | 4,766 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7737% | 3,397 |
| Return on assets (ROA) | 0.8852% | 3,131 |
| Pretax return on assets | 0.8852% | 3,976 |
| Return on Equity (ROE) | 9.4815% | 2,411 |
| Retained earnings to average equity (ytd only) | 5.8070% | 2,191 |
| Net charge-offs to loans | 0.0301% | 5,484 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 114.8182% | 333 |
| Efficiency ratio | 77.0071% | 2,591 |
| Assets per employee ($millions) | 4.5192% | 2,923 |
| Cash dividends to net income (ytd only)* | 38.7543% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 3,981 |
| Loan loss allowance to noncurrent loans | 705.6180% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 6,499 |
| Noncurrent loans to loans | 0.2039% | 5,963 |
| Net loans and leases to total assets | 25.7238% | 6,816 |
| Net loans and leases to deposits | 29.1938% | 6,848 |
| Net loans and leases to core deposits | 31.6288% | 6,814 |
| Total domestic deposits to total assets | 88.1138% | 2,161 |
| Equity capital to assets | 9.2554% | 5,202 |
| Core capital (leverage) ratio | 7.1200% | 6,662 |
| Tier 1 risk-based capital ratio | 18.2256% | 2,186 |
| Total risk-based capital ratio | 19.1879% | 2,251 |
| Memoranda: | ||
| Average total assets | $163,234,200 | 3,564 |
| Average earning assets | $155,669,000 | 3,453 |
| Average equity | $15,240,200 | 3,906 |
| Average total loans | $36,538,800 | 5,658 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2865% | 6,738 |
| Cost of funding earning assets | 0.4520% | 5,779 |
| Net interest margin | 2.8345% | 6,453 |
| Noninterest income to average assets | 0.6714% | 2,868 |
| Noninterest expense to average assets | 2.4777% | 5,155 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8991% | 2,982 |
| Return on assets (ROA) | 1.0511% | 2,499 |
| Pretax return on assets | 1.0511% | 3,530 |
| Return on Equity (ROE) | 11.2329% | 1,874 |
| Retained earnings to average equity (ytd only) | 8.2468% | 1,520 |
| Net charge-offs to loans | 0.0268% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 156.3376% | 281 |
| Efficiency ratio | 73.3755% | 3,088 |
| Assets per employee ($millions) | 4.5514% | 2,818 |
| Cash dividends to net income (ytd only)* | 26.5832% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 3,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 24.1876% | 6,966 |
| Net loans and leases to deposits | 27.9379% | 6,985 |
| Net loans and leases to core deposits | 30.5218% | 6,961 |
| Total domestic deposits to total assets | 86.5766% | 2,934 |
| Equity capital to assets | 9.5766% | 5,100 |
| Core capital (leverage) ratio | 7.0741% | 6,783 |
| Tier 1 risk-based capital ratio | 18.5352% | 2,155 |
| Total risk-based capital ratio | 19.5157% | 2,222 |
| Memoranda: | ||
| Average total assets | $162,240,000 | 3,614 |
| Average earning assets | $154,849,750 | 3,503 |
| Average equity | $15,181,250 | 3,957 |
| Average total loans | $34,763,250 | 5,804 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2374% | 6,853 |
| Cost of funding earning assets | 0.4685% | 5,838 |
| Net interest margin | 2.7689% | 6,625 |
| Noninterest income to average assets | 0.6842% | 2,751 |
| Noninterest expense to average assets | 2.4671% | 5,243 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8590% | 3,096 |
| Return on assets (ROA) | 1.0900% | 2,301 |
| Pretax return on assets | 1.0900% | 3,342 |
| Return on Equity (ROE) | 11.7449% | 1,757 |
| Retained earnings to average equity (ytd only) | 8.6506% | 1,399 |
| Net charge-offs to loans | 0.0430% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 98.2857% | 436 |
| Efficiency ratio | 74.1742% | 3,047 |
| Assets per employee ($millions) | 4.6509% | 2,637 |
| Cash dividends to net income (ytd only)* | 26.3459% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8453% | 2,718 |
| Loan loss allowance to noncurrent loans | 842.6667% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 6,721 |
| Noncurrent loans to loans | 0.2190% | 6,143 |
| Net loans and leases to total assets | 19.0211% | 7,095 |
| Net loans and leases to deposits | 20.8270% | 7,127 |
| Net loans and leases to core deposits | 22.5936% | 7,117 |
| Total domestic deposits to total assets | 91.3294% | 349 |
| Equity capital to assets | 8.5388% | 6,172 |
| Core capital (leverage) ratio | 7.4205% | 6,656 |
| Tier 1 risk-based capital ratio | 20.4719% | 1,584 |
| Total risk-based capital ratio | 21.5823% | 1,599 |
| Memoranda: | ||
| Average total assets | $160,186,670 | 3,658 |
| Average earning assets | $152,840,000 | 3,552 |
| Average equity | $14,866,000 | 4,014 |
| Average total loans | $32,563,000 | 5,933 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4460% | 6,759 |
| Cost of funding earning assets | 0.5061% | 5,775 |
| Net interest margin | 2.9399% | 6,409 |
| Noninterest income to average assets | 0.7030% | 2,650 |
| Noninterest expense to average assets | 2.5225% | 5,080 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9795% | 2,561 |
| Return on assets (ROA) | 1.1849% | 1,961 |
| Pretax return on assets | 1.1849% | 2,964 |
| Return on Equity (ROE) | 12.2005% | 1,614 |
| Retained earnings to average equity (ytd only) | 8.8928% | 1,623 |
| Net charge-offs to loans | 0.0252% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 197 |
| Efficiency ratio | 72.0301% | 3,438 |
| Assets per employee ($millions) | 4.0676% | 3,866 |
| Cash dividends to net income (ytd only)* | 27.1111% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0544% | 2,208 |
| Loan loss allowance to noncurrent loans | 1,011.1111% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 6,803 |
| Noncurrent loans to loans | 0.2032% | 6,276 |
| Net loans and leases to total assets | 19.6482% | 7,148 |
| Net loans and leases to deposits | 22.0581% | 7,167 |
| Net loans and leases to core deposits | 23.6536% | 7,158 |
| Total domestic deposits to total assets | 89.0748% | 1,656 |
| Equity capital to assets | 9.4799% | 4,837 |
| Core capital (leverage) ratio | 7.5644% | 6,588 |
| Tier 1 risk-based capital ratio | 21.3045% | 1,425 |
| Total risk-based capital ratio | 22.5016% | 1,411 |
| Memoranda: | ||
| Average total assets | $151,912,500 | 3,838 |
| Average earning assets | $144,632,500 | 3,726 |
| Average equity | $14,753,500 | 4,043 |
| Average total loans | $31,720,000 | 6,024 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 6,462 |
| Cost of funding earning assets | 0.6400% | 5,872 |
| Net interest margin | 3.3538% | 5,636 |
| Noninterest income to average assets | 0.7172% | 2,507 |
| Noninterest expense to average assets | 2.9612% | 3,738 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9275% | 2,494 |
| Return on assets (ROA) | 1.1250% | 1,860 |
| Pretax return on assets | 1.1250% | 2,745 |
| Return on Equity (ROE) | 11.1722% | 1,655 |
| Retained earnings to average equity (ytd only) | 7.8664% | 1,128 |
| Net charge-offs to loans | 0.0742% | 5,579 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 49.0400% | 573 |
| Efficiency ratio | 76.1479% | 2,871 |
| Assets per employee ($millions) | 4.2645% | 3,331 |
| Cash dividends to net income (ytd only)* | 29.5898% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9702% | 2,371 |
| Loan loss allowance to noncurrent loans | 1,101.7241% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 6,816 |
| Noncurrent loans to loans | 0.1788% | 6,389 |
| Net loans and leases to total assets | 21.3017% | 7,192 |
| Net loans and leases to deposits | 24.8540% | 7,201 |
| Net loans and leases to core deposits | 26.9742% | 7,187 |
| Total domestic deposits to total assets | 85.7071% | 3,480 |
| Equity capital to assets | 9.9520% | 4,225 |
| Core capital (leverage) ratio | 7.7185% | 6,523 |
| Tier 1 risk-based capital ratio | 20.9034% | 1,434 |
| Total risk-based capital ratio | 22.1167% | 1,420 |
| Memoranda: | ||
| Average total assets | $132,177,800 | 4,123 |
| Average earning assets | $124,991,600 | 4,034 |
| Average equity | $13,309,800 | 4,279 |
| Average total loans | $33,677,600 | 5,968 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 6,383 |
| Cost of funding earning assets | 0.6738% | 5,913 |
| Net interest margin | 3.4399% | 5,429 |
| Noninterest income to average assets | 0.7578% | 2,276 |
| Noninterest expense to average assets | 2.8509% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1529% | 1,803 |
| Return on assets (ROA) | 1.4249% | 1,176 |
| Pretax return on assets | 1.4249% | 1,867 |
| Return on Equity (ROE) | 14.1029% | 1,022 |
| Retained earnings to average equity (ytd only) | 10.6984% | 684 |
| Net charge-offs to loans | 0.0824% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 52.6654% | 621 |
| Efficiency ratio | 71.2054% | 3,702 |
| Assets per employee ($millions) | 3.8814% | 4,116 |
| Cash dividends to net income (ytd only)* | 24.1405% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0258% | 2,265 |
| Loan loss allowance to noncurrent loans | 221.7241% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 6,493 |
| Noncurrent loans to loans | 0.9137% | 5,042 |
| Net loans and leases to total assets | 22.2551% | 7,254 |
| Net loans and leases to deposits | 24.9402% | 7,283 |
| Net loans and leases to core deposits | 27.3068% | 7,261 |
| Total domestic deposits to total assets | 89.2335% | 1,290 |
| Equity capital to assets | 10.5647% | 3,626 |
| Core capital (leverage) ratio | 8.6202% | 5,520 |
| Tier 1 risk-based capital ratio | 22.1879% | 1,257 |
| Total risk-based capital ratio | 23.4386% | 1,234 |
| Memoranda: | ||
| Average total assets | $127,908,250 | 4,233 |
| Average earning assets | $120,700,000 | 4,135 |
| Average equity | $12,923,750 | 4,366 |
| Average total loans | $33,988,750 | 6,021 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 6,225 |
| Cost of funding earning assets | 0.6989% | 5,969 |
| Net interest margin | 3.5289% | 5,017 |
| Noninterest income to average assets | 0.7712% | 2,153 |
| Noninterest expense to average assets | 2.9637% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1309% | 1,786 |
| Return on assets (ROA) | 1.1309% | 1,862 |
| Pretax return on assets | 1.1309% | 2,723 |
| Return on Equity (ROE) | 11.3882% | 1,673 |
| Retained earnings to average equity (ytd only) | 7.8141% | 1,524 |
| Net charge-offs to loans | 0.0345% | 5,370 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 116.8333% | 303 |
| Efficiency ratio | 72.3798% | 3,654 |
| Assets per employee ($millions) | 3.4008% | 5,195 |
| Cash dividends to net income (ytd only)* | 31.3837% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9172% | 2,617 |
| Loan loss allowance to noncurrent loans | 254.0541% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 6,568 |
| Noncurrent loans to loans | 0.7547% | 5,400 |
| Net loans and leases to total assets | 26.0479% | 7,284 |
| Net loans and leases to deposits | 30.4943% | 7,300 |
| Net loans and leases to core deposits | 33.7741% | 7,258 |
| Total domestic deposits to total assets | 85.4191% | 3,659 |
| Equity capital to assets | 10.3752% | 3,660 |
| Core capital (leverage) ratio | 8.2689% | 5,916 |
| Tier 1 risk-based capital ratio | 20.3853% | 1,537 |
| Total risk-based capital ratio | 21.6347% | 1,505 |
| Memoranda: | ||
| Average total assets | $123,967,670 | 4,346 |
| Average earning assets | $116,749,670 | 4,260 |
| Average equity | $12,311,000 | 4,472 |
| Average total loans | $34,738,330 | 6,039 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 6,195 |
| Cost of funding earning assets | 0.6903% | 6,191 |
| Net interest margin | 3.5429% | 4,840 |
| Noninterest income to average assets | 0.8044% | 2,018 |
| Noninterest expense to average assets | 2.8911% | 4,095 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2461% | 1,393 |
| Return on assets (ROA) | 1.2461% | 1,447 |
| Pretax return on assets | 1.2461% | 2,207 |
| Return on Equity (ROE) | 12.8544% | 1,227 |
| Retained earnings to average equity (ytd only) | 9.1137% | 1,349 |
| Net charge-offs to loans | 0.0343% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 253 |
| Efficiency ratio | 69.8805% | 4,303 |
| Assets per employee ($millions) | 3.3273% | 5,419 |
| Cash dividends to net income (ytd only)* | 29.1005% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9631% | 2,505 |
| Loan loss allowance to noncurrent loans | 2,758.3333% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 7,072 |
| Noncurrent loans to loans | 0.0712% | 6,859 |
| Net loans and leases to total assets | 25.4774% | 7,352 |
| Net loans and leases to deposits | 29.4480% | 7,364 |
| Net loans and leases to core deposits | 31.7952% | 7,359 |
| Total domestic deposits to total assets | 86.5165% | 3,226 |
| Equity capital to assets | 9.4886% | 4,452 |
| Core capital (leverage) ratio | 8.5217% | 5,413 |
| Tier 1 risk-based capital ratio | 19.9719% | 1,596 |
| Total risk-based capital ratio | 21.2233% | 1,560 |
| Memoranda: | ||
| Average total assets | $121,336,000 | 4,434 |
| Average earning assets | $114,145,000 | 4,351 |
| Average equity | $11,762,500 | 4,609 |
| Average total loans | $34,947,500 | 6,080 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 6,058 |
| Cost of funding earning assets | 0.7506% | 6,733 |
| Net interest margin | 3.8687% | 3,644 |
| Noninterest income to average assets | 0.9142% | 1,797 |
| Noninterest expense to average assets | 3.6249% | 1,865 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9080% | 2,349 |
| Return on assets (ROA) | 1.1618% | 1,588 |
| Pretax return on assets | 1.1618% | 2,357 |
| Return on Equity (ROE) | 10.9103% | 1,613 |
| Retained earnings to average equity (ytd only) | 4.7425% | 2,583 |
| Net charge-offs to loans | 0.0507% | 6,287 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 56.8333% | 414 |
| Efficiency ratio | 79.9687% | 2,421 |
| Assets per employee ($millions) | 2.8950% | 6,339 |
| Cash dividends to net income (ytd only)* | 56.5317% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8357% | 2,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 7,186 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 31.4492% | 7,304 |
| Net loans and leases to deposits | 35.2328% | 7,366 |
| Net loans and leases to core deposits | 38.0436% | 7,350 |
| Total domestic deposits to total assets | 89.2610% | 1,510 |
| Equity capital to assets | 9.9304% | 3,839 |
| Core capital (leverage) ratio | 8.6462% | 5,111 |
| Tier 1 risk-based capital ratio | 19.6172% | 1,571 |
| Total risk-based capital ratio | 20.8676% | 1,537 |
| Memoranda: | ||
| Average total assets | $112,666,200 | 4,644 |
| Average earning assets | $105,384,400 | 4,584 |
| Average equity | $11,997,800 | 4,605 |
| Average total loans | $35,468,200 | 6,141 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 6,188 |
| Cost of funding earning assets | 0.7529% | 6,904 |
| Net interest margin | 3.8974% | 3,538 |
| Noninterest income to average assets | 0.9129% | 1,749 |
| Noninterest expense to average assets | 3.4290% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1308% | 1,796 |
| Return on assets (ROA) | 1.4694% | 1,054 |
| Pretax return on assets | 1.4694% | 1,693 |
| Return on Equity (ROE) | 13.5689% | 1,131 |
| Retained earnings to average equity (ytd only) | 7.5006% | 1,597 |
| Net charge-offs to loans | 0.0416% | 6,128 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 86.7962% | 353 |
| Efficiency ratio | 75.2012% | 3,105 |
| Assets per employee ($millions) | 2.8495% | 6,483 |
| Cash dividends to net income (ytd only)* | 44.7218% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8515% | 2,627 |
| Loan loss allowance to noncurrent loans | 790.5882% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 7,103 |
| Noncurrent loans to loans | 0.2342% | 6,705 |
| Net loans and leases to total assets | 32.0546% | 7,408 |
| Net loans and leases to deposits | 36.3883% | 7,463 |
| Net loans and leases to core deposits | 39.5067% | 7,435 |
| Total domestic deposits to total assets | 88.0904% | 1,910 |
| Equity capital to assets | 11.6432% | 2,416 |
| Core capital (leverage) ratio | 9.1138% | 4,509 |
| Tier 1 risk-based capital ratio | 19.8848% | 1,573 |
| Total risk-based capital ratio | 21.1357% | 1,539 |
| Memoranda: | ||
| Average total assets | $112,606,250 | 4,703 |
| Average earning assets | $105,366,750 | 4,630 |
| Average equity | $12,194,250 | 4,625 |
| Average total loans | $35,292,250 | 6,227 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 6,333 |
| Cost of funding earning assets | 0.7474% | 7,073 |
| Net interest margin | 3.8959% | 3,468 |
| Noninterest income to average assets | 0.8258% | 1,994 |
| Noninterest expense to average assets | 3.3281% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1388% | 1,728 |
| Return on assets (ROA) | 1.4748% | 1,017 |
| Pretax return on assets | 1.4748% | 1,626 |
| Return on Equity (ROE) | 13.9628% | 1,045 |
| Retained earnings to average equity (ytd only) | 7.7683% | 1,525 |
| Net charge-offs to loans | 0.0515% | 5,664 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 71.5556% | 441 |
| Efficiency ratio | 74.5051% | 3,371 |
| Assets per employee ($millions) | 2.9471% | 6,254 |
| Cash dividends to net income (ytd only)* | 44.3645% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9073% | 2,392 |
| Loan loss allowance to noncurrent loans | 448.6667% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 7,006 |
| Noncurrent loans to loans | 0.4251% | 6,390 |
| Net loans and leases to total assets | 30.1136% | 7,533 |
| Net loans and leases to deposits | 34.7134% | 7,559 |
| Net loans and leases to core deposits | 37.6189% | 7,539 |
| Total domestic deposits to total assets | 86.7494% | 2,678 |
| Equity capital to assets | 10.6249% | 3,255 |
| Core capital (leverage) ratio | 8.7761% | 4,963 |
| Tier 1 risk-based capital ratio | 19.5161% | 1,602 |
| Total risk-based capital ratio | 20.7675% | 1,577 |
| Memoranda: | ||
| Average total assets | $113,098,670 | 4,731 |
| Average earning assets | $105,700,330 | 4,651 |
| Average equity | $11,946,000 | 4,692 |
| Average total loans | $34,958,330 | 6,289 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 6,403 |
| Cost of funding earning assets | 0.7449% | 7,243 |
| Net interest margin | 3.9077% | 3,291 |
| Noninterest income to average assets | 0.7845% | 2,098 |
| Noninterest expense to average assets | 3.2056% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2266% | 1,471 |
| Return on assets (ROA) | 1.2765% | 1,418 |
| Pretax return on assets | 1.2765% | 2,114 |
| Return on Equity (ROE) | 12.1222% | 1,464 |
| Retained earnings to average equity (ytd only) | 5.8580% | 2,687 |
| Net charge-offs to loans | 0.0230% | 5,255 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 199 |
| Efficiency ratio | 72.3250% | 3,871 |
| Assets per employee ($millions) | 2.9003% | 6,440 |
| Cash dividends to net income (ytd only)* | 51.6760% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0350% | 2,091 |
| Loan loss allowance to noncurrent loans | 1,545.4545% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 7,328 |
| Noncurrent loans to loans | 0.1317% | 7,073 |
| Net loans and leases to total assets | 28.2183% | 7,668 |
| Net loans and leases to deposits | 31.5184% | 7,705 |
| Net loans and leases to core deposits | 34.3368% | 7,677 |
| Total domestic deposits to total assets | 89.5294% | 1,224 |
| Equity capital to assets | 10.2526% | 3,532 |
| Core capital (leverage) ratio | 8.4480% | 5,471 |
| Tier 1 risk-based capital ratio | 19.7861% | 1,562 |
| Total risk-based capital ratio | 21.0376% | 1,530 |
| Memoranda: | ||
| Average total assets | $112,179,000 | 4,815 |
| Average earning assets | $104,716,500 | 4,742 |
| Average equity | $11,813,000 | 4,761 |
| Average total loans | $34,795,000 | 6,386 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2627% | 5,356 |
| Cost of funding earning assets | 1.0299% | 7,146 |
| Net interest margin | 4.2328% | 1,965 |
| Noninterest income to average assets | 0.7917% | 2,447 |
| Noninterest expense to average assets | 3.6000% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1592% | 1,360 |
| Return on assets (ROA) | 1.2085% | 1,275 |
| Pretax return on assets | 1.2085% | 1,930 |
| Return on Equity (ROE) | 11.7813% | 1,216 |
| Retained earnings to average equity (ytd only) | 4.1618% | 2,305 |
| Net charge-offs to loans | 0.0472% | 6,631 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 70.4444% | 387 |
| Efficiency ratio | 75.6435% | 3,587 |
| Assets per employee ($millions) | 2.8513% | 6,558 |
| Cash dividends to net income (ytd only)* | 64.6747% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8853% | 2,297 |
| Loan loss allowance to noncurrent loans | 9,742.8571% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 7,446 |
| Noncurrent loans to loans | 0.0194% | 7,392 |
| Net loans and leases to total assets | 32.7574% | 7,632 |
| Net loans and leases to deposits | 36.8125% | 7,709 |
| Net loans and leases to core deposits | 46.6129% | 7,654 |
| Total domestic deposits to total assets | 88.9846% | 1,489 |
| Equity capital to assets | 10.8281% | 2,843 |
| Core capital (leverage) ratio | 8.9387% | 4,525 |
| Tier 1 risk-based capital ratio | 18.3341% | 1,798 |
| Total risk-based capital ratio | 19.5834% | 1,755 |
| Memoranda: | ||
| Average total assets | $109,389,800 | 4,837 |
| Average earning assets | $102,532,600 | 4,777 |
| Average equity | $11,221,200 | 4,965 |
| Average total loans | $38,107,600 | 6,197 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2916% | 5,471 |
| Cost of funding earning assets | 1.1075% | 7,162 |
| Net interest margin | 4.1841% | 2,115 |
| Noninterest income to average assets | 0.8305% | 2,287 |
| Noninterest expense to average assets | 3.4667% | 2,368 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2913% | 1,242 |
| Return on assets (ROA) | 1.3570% | 1,168 |
| Pretax return on assets | 1.3570% | 1,805 |
| Return on Equity (ROE) | 13.4129% | 1,027 |
| Retained earnings to average equity (ytd only) | 5.5406% | 2,181 |
| Net charge-offs to loans | 0.0484% | 6,240 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 75.8415% | 450 |
| Efficiency ratio | 72.8597% | 4,078 |
| Assets per employee ($millions) | 2.8508% | 6,530 |
| Cash dividends to net income (ytd only)* | 58.6918% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 2,378 |
| Loan loss allowance to noncurrent loans | 9,800.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 7,467 |
| Noncurrent loans to loans | 0.0181% | 7,483 |
| Net loans and leases to total assets | 36.0540% | 7,619 |
| Net loans and leases to deposits | 40.7813% | 7,705 |
| Net loans and leases to core deposits | 51.4866% | 7,656 |
| Total domestic deposits to total assets | 88.4080% | 1,471 |
| Equity capital to assets | 11.2080% | 2,826 |
| Core capital (leverage) ratio | 9.0185% | 4,620 |
| Tier 1 risk-based capital ratio | 18.2217% | 1,933 |
| Total risk-based capital ratio | 19.4719% | 1,873 |
| Memoranda: | ||
| Average total assets | $109,650,250 | 4,859 |
| Average earning assets | $102,928,000 | 4,789 |
| Average equity | $11,093,500 | 5,048 |
| Average total loans | $38,591,000 | 6,222 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 5,704 |
| Cost of funding earning assets | 1.1983% | 7,108 |
| Net interest margin | 4.0897% | 2,354 |
| Noninterest income to average assets | 0.8015% | 2,402 |
| Noninterest expense to average assets | 3.3321% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3112% | 1,206 |
| Return on assets (ROA) | 1.3130% | 1,277 |
| Pretax return on assets | 1.3130% | 1,984 |
| Return on Equity (ROE) | 13.4370% | 1,087 |
| Retained earnings to average equity (ytd only) | 4.6817% | 2,693 |
| Net charge-offs to loans | 0.0311% | 6,026 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 121.3333% | 318 |
| Efficiency ratio | 71.7611% | 4,464 |
| Assets per employee ($millions) | 2.7027% | 6,825 |
| Cash dividends to net income (ytd only)* | 65.1578% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8695% | 1,869 |
| Loan loss allowance to noncurrent loans | 3,855.5556% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 7,472 |
| Noncurrent loans to loans | 0.0485% | 7,418 |
| Net loans and leases to total assets | 33.6965% | 7,786 |
| Net loans and leases to deposits | 37.5039% | 7,875 |
| Net loans and leases to core deposits | 48.3297% | 7,794 |
| Total domestic deposits to total assets | 89.8482% | 891 |
| Equity capital to assets | 9.8280% | 4,180 |
| Core capital (leverage) ratio | 8.4206% | 5,579 |
| Tier 1 risk-based capital ratio | 18.0465% | 2,009 |
| Total risk-based capital ratio | 19.2969% | 1,943 |
| Memoranda: | ||
| Average total assets | $111,041,000 | 4,857 |
| Average earning assets | $104,312,000 | 4,782 |
| Average equity | $10,850,670 | 5,125 |
| Average total loans | $38,549,670 | 6,268 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2301% | 6,188 |
| Cost of funding earning assets | 1.3056% | 6,997 |
| Net interest margin | 3.9245% | 2,952 |
| Noninterest income to average assets | 0.7431% | 2,640 |
| Noninterest expense to average assets | 3.0789% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3510% | 1,257 |
| Return on assets (ROA) | 1.3510% | 1,349 |
| Pretax return on assets | 1.3510% | 2,118 |
| Return on Equity (ROE) | 13.8642% | 1,191 |
| Retained earnings to average equity (ytd only) | 13.8642% | 526 |
| Net charge-offs to loans | 0.0306% | 5,095 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 126.6667% | 343 |
| Efficiency ratio | 69.5024% | 4,677 |
| Assets per employee ($millions) | 2.7660% | 6,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8461% | 1,747 |
| Loan loss allowance to noncurrent loans | 566.6667% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 7,152 |
| Noncurrent loans to loans | 0.3258% | 6,623 |
| Net loans and leases to total assets | 32.6776% | 7,846 |
| Net loans and leases to deposits | 36.3781% | 7,935 |
| Net loans and leases to core deposits | 48.2677% | 7,828 |
| Total domestic deposits to total assets | 89.8276% | 875 |
| Equity capital to assets | 9.9290% | 4,075 |
| Core capital (leverage) ratio | 8.3178% | 5,871 |
| Tier 1 risk-based capital ratio | 17.7444% | 2,115 |
| Total risk-based capital ratio | 18.9954% | 2,064 |
| Memoranda: | ||
| Average total assets | $112,507,000 | 4,834 |
| Average earning assets | $105,695,500 | 4,758 |
| Average equity | $10,963,500 | 5,117 |
| Average total loans | $39,263,000 | 6,262 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8294% | 6,335 |
| Cost of funding earning assets | 1.9028% | 6,718 |
| Net interest margin | 3.9265% | 3,454 |
| Noninterest income to average assets | 0.8073% | 2,476 |
| Noninterest expense to average assets | 3.3186% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1222% | 2,064 |
| Return on assets (ROA) | 1.1811% | 1,766 |
| Pretax return on assets | 1.1811% | 2,719 |
| Return on Equity (ROE) | 13.0311% | 1,319 |
| Retained earnings to average equity (ytd only) | 5.9419% | 1,558 |
| Net charge-offs to loans | -0.3041% | 8,194 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7294% | 3,455 |
| Assets per employee ($millions) | 2.9371% | 6,203 |
| Cash dividends to net income (ytd only)* | 54.4020% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7169% | 1,859 |
| Loan loss allowance to noncurrent loans | 189.1892% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 6,058 |
| Noncurrent loans to loans | 0.9075% | 4,809 |
| Net loans and leases to total assets | 35.9030% | 7,833 |
| Net loans and leases to deposits | 41.5605% | 7,907 |
| Net loans and leases to core deposits | 58.0151% | 7,663 |
| Total domestic deposits to total assets | 86.3873% | 2,224 |
| Equity capital to assets | 9.5575% | 4,601 |
| Core capital (leverage) ratio | 8.2559% | 6,042 |
| Tier 1 risk-based capital ratio | 16.4156% | 2,515 |
| Total risk-based capital ratio | 17.6663% | 2,453 |
| Memoranda: | ||
| Average total assets | $101,939,600 | 4,997 |
| Average earning assets | $94,332,400 | 4,962 |
| Average equity | $9,239,400 | 5,656 |
| Average total loans | $38,799,400 | 6,236 |