Home > Corydon State Bank > Performance and Condition Ratios
Corydon State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 3,362 |
| Cost of funding earning assets | 1.4659% | 2,032 |
| Net interest margin | 2.8795% | 3,525 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.0295% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7385% | 682 |
| Return on assets (ROA) | 1.7303% | 660 |
| Pretax return on assets | 1.9209% | 753 |
| Return on Equity (ROE) | 7.4700% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.4712% | 1,721 |
| Net charge-offs to loans | 0.2179% | 498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 21.3700% | 1,839 |
| Efficiency ratio | 34.7879% | 4,454 |
| Assets per employee ($millions) | 12.3650% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2941% | 42 |
| Loan loss allowance to noncurrent loans | 326.6932% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 709 |
| Noncurrent loans to loans | 1.6205% | 400 |
| Net loans and leases to total assets | 39.5400% | 4,055 |
| Net loans and leases to deposits | 54.4062% | 3,768 |
| Net loans and leases to core deposits | 62.7417% | 3,646 |
| Total domestic deposits to total assets | 72.6800% | 4,188 |
| Equity capital to assets | 25.2056% | 190 |
| Core capital (leverage) ratio | 26.6820% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $110,729,800 | 3,736 |
| Average earning assets | $107,103,400 | 3,674 |
| Average equity | $25,645,200 | 2,482 |
| Average total loans | $45,890,800 | 3,901 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 3,351 |
| Cost of funding earning assets | 1.4088% | 1,844 |
| Net interest margin | 2.8562% | 3,628 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 0.9621% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7662% | 707 |
| Return on assets (ROA) | 1.7554% | 705 |
| Pretax return on assets | 1.9555% | 796 |
| Return on Equity (ROE) | 7.7500% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.7515% | 2,053 |
| Net charge-offs to loans | 0.0262% | 1,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 181.3333% | 642 |
| Efficiency ratio | 32.8395% | 4,491 |
| Assets per employee ($millions) | 11.9207% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6536% | 31 |
| Loan loss allowance to noncurrent loans | 274.3011% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9218% | 580 |
| Noncurrent loans to loans | 2.0611% | 285 |
| Net loans and leases to total assets | 39.6800% | 4,068 |
| Net loans and leases to deposits | 54.7607% | 3,765 |
| Net loans and leases to core deposits | 63.7529% | 3,539 |
| Total domestic deposits to total assets | 72.4600% | 4,237 |
| Equity capital to assets | 22.2741% | 231 |
| Core capital (leverage) ratio | 26.1572% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $110,591,000 | 3,753 |
| Average earning assets | $106,852,750 | 3,688 |
| Average equity | $25,044,000 | 2,500 |
| Average total loans | $45,746,750 | 3,913 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 3,223 |
| Cost of funding earning assets | 1.3031% | 1,703 |
| Net interest margin | 2.9311% | 3,589 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 0.8971% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9287% | 531 |
| Return on assets (ROA) | 1.9303% | 528 |
| Pretax return on assets | 2.1541% | 574 |
| Return on Equity (ROE) | 8.4800% | 3,117 |
| Retained earnings to average equity (ytd only) | 8.4794% | 1,823 |
| Net charge-offs to loans | -0.0087% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 29.4187% | 4,546 |
| Assets per employee ($millions) | 12.1626% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8194% | 32 |
| Loan loss allowance to noncurrent loans | 241.0160% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0615% | 418 |
| Noncurrent loans to loans | 2.4145% | 196 |
| Net loans and leases to total assets | 37.8800% | 4,121 |
| Net loans and leases to deposits | 50.6295% | 3,894 |
| Net loans and leases to core deposits | 59.3244% | 3,668 |
| Total domestic deposits to total assets | 74.8200% | 4,136 |
| Equity capital to assets | 23.6135% | 208 |
| Core capital (leverage) ratio | 24.7582% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $111,692,667 | 3,752 |
| Average earning assets | $107,739,333 | 3,685 |
| Average equity | $25,426,333 | 2,498 |
| Average total loans | $45,955,000 | 3,923 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 2,829 |
| Cost of funding earning assets | 1.1382% | 1,633 |
| Net interest margin | 3.1495% | 3,237 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 0.8936% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3686% | 292 |
| Return on assets (ROA) | 2.3686% | 289 |
| Pretax return on assets | 2.3686% | 432 |
| Return on Equity (ROE) | 10.6000% | 2,605 |
| Retained earnings to average equity (ytd only) | 10.5967% | 1,556 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 27.3913% | 4,621 |
| Assets per employee ($millions) | 12.5388% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6886% | 29 |
| Loan loss allowance to noncurrent loans | 259.3718% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.9623% | 439 |
| Noncurrent loans to loans | 2.1932% | 243 |
| Net loans and leases to total assets | 37.6100% | 4,128 |
| Net loans and leases to deposits | 50.0861% | 3,884 |
| Net loans and leases to core deposits | 57.7042% | 3,646 |
| Total domestic deposits to total assets | 75.0900% | 4,217 |
| Equity capital to assets | 23.0157% | 176 |
| Core capital (leverage) ratio | 24.2223% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $112,807,500 | 3,794 |
| Average earning assets | $108,589,000 | 3,734 |
| Average equity | $25,215,500 | 2,534 |
| Average total loans | $46,920,000 | 3,947 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5229% | 3,020 |
| Cost of funding earning assets | 0.6270% | 799 |
| Net interest margin | 2.8959% | 3,690 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 0.9957% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9806% | 310 |
| Return on assets (ROA) | 1.9806% | 297 |
| Pretax return on assets | 2.0749% | 400 |
| Return on Equity (ROE) | 9.2300% | 3,056 |
| Retained earnings to average equity (ytd only) | 9.2273% | 1,411 |
| Net charge-offs to loans | -1.1074% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 32.4269% | 4,636 |
| Assets per employee ($millions) | 12.5296% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2418% | 37 |
| Loan loss allowance to noncurrent loans | 110.3448% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 2.1452% | 108 |
| Noncurrent loans to loans | 4.7504% | 57 |
| Net loans and leases to total assets | 41.0400% | 4,027 |
| Net loans and leases to deposits | 55.0149% | 3,630 |
| Net loans and leases to core deposits | 63.6517% | 3,284 |
| Total domestic deposits to total assets | 74.6000% | 4,335 |
| Equity capital to assets | 21.6892% | 195 |
| Core capital (leverage) ratio | 24.0238% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $111,380,600 | 3,818 |
| Average earning assets | $104,147,000 | 3,795 |
| Average equity | $23,907,200 | 2,644 |
| Average total loans | $50,297,200 | 3,882 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4936% | 2,639 |
| Cost of funding earning assets | 0.5657% | 534 |
| Net interest margin | 2.9280% | 3,416 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 0.9630% | 4,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8732% | 369 |
| Return on assets (ROA) | 1.8732% | 360 |
| Pretax return on assets | 1.9813% | 482 |
| Return on Equity (ROE) | 8.7500% | 3,101 |
| Retained earnings to average equity (ytd only) | 8.7505% | 1,740 |
| Net charge-offs to loans | -1.4685% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 32.7080% | 4,676 |
| Assets per employee ($millions) | 11.9669% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4496% | 32 |
| Loan loss allowance to noncurrent loans | 92.5551% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 2.6610% | 70 |
| Noncurrent loans to loans | 5.8880% | 40 |
| Net loans and leases to total assets | 41.2600% | 4,014 |
| Net loans and leases to deposits | 51.6699% | 3,754 |
| Net loans and leases to core deposits | 60.2220% | 3,367 |
| Total domestic deposits to total assets | 79.8400% | 4,115 |
| Equity capital to assets | 20.1055% | 214 |
| Core capital (leverage) ratio | 23.4062% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $111,034,250 | 3,848 |
| Average earning assets | $103,004,500 | 3,827 |
| Average equity | $23,769,500 | 2,697 |
| Average total loans | $50,662,000 | 3,901 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4480% | 2,305 |
| Cost of funding earning assets | 0.5471% | 397 |
| Net interest margin | 2.9009% | 3,173 |
| Noninterest income to average assets | 0.2408% | 3,730 |
| Noninterest expense to average assets | 0.9327% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9653% | 244 |
| Return on assets (ROA) | 1.9653% | 244 |
| Pretax return on assets | 1.9653% | 412 |
| Return on Equity (ROE) | 9.0052% | 2,704 |
| Retained earnings to average equity (ytd only) | 9.0052% | 1,285 |
| Net charge-offs to loans | -1.4185% | 4,727 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1846% | 4,702 |
| Assets per employee ($millions) | 12.2814% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8570% | 43 |
| Loan loss allowance to noncurrent loans | 81.3379% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 2.7268% | 75 |
| Noncurrent loans to loans | 5.9714% | 42 |
| Net loans and leases to total assets | 42.0191% | 3,971 |
| Net loans and leases to deposits | 53.4385% | 3,574 |
| Net loans and leases to core deposits | 61.4970% | 3,160 |
| Total domestic deposits to total assets | 78.6308% | 4,317 |
| Equity capital to assets | 21.3194% | 143 |
| Core capital (leverage) ratio | 22.4052% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,145,000 | 3,874 |
| Average earning assets | $102,727,000 | 3,886 |
| Average equity | $24,474,667 | 2,709 |
| Average total loans | $51,884,667 | 3,929 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4452% | 1,960 |
| Cost of funding earning assets | 0.5683% | 320 |
| Net interest margin | 2.8769% | 2,907 |
| Noninterest income to average assets | 0.1842% | 4,057 |
| Noninterest expense to average assets | 0.9632% | 4,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8026% | 331 |
| Return on assets (ROA) | 1.8026% | 330 |
| Pretax return on assets | 1.8026% | 546 |
| Return on Equity (ROE) | 8.1670% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.1670% | 1,527 |
| Net charge-offs to loans | 0.0899% | 563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 42.4167% | 987 |
| Efficiency ratio | 34.8271% | 4,710 |
| Assets per employee ($millions) | 12.6369% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9393% | 76 |
| Loan loss allowance to noncurrent loans | 44.4221% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 3.9760% | 37 |
| Noncurrent loans to loans | 8.8679% | 20 |
| Net loans and leases to total assets | 42.6890% | 3,839 |
| Net loans and leases to deposits | 54.3763% | 3,389 |
| Net loans and leases to core deposits | 62.8777% | 2,905 |
| Total domestic deposits to total assets | 78.5065% | 4,375 |
| Equity capital to assets | 21.4408% | 133 |
| Core capital (leverage) ratio | 21.7422% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,951,000 | 3,885 |
| Average earning assets | $101,358,500 | 3,925 |
| Average equity | $24,929,500 | 2,779 |
| Average total loans | $53,419,000 | 3,913 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3604% | 3,027 |
| Cost of funding earning assets | 0.7446% | 264 |
| Net interest margin | 2.6157% | 4,024 |
| Noninterest income to average assets | 0.4346% | 2,886 |
| Noninterest expense to average assets | 1.0737% | 4,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8399% | 465 |
| Return on assets (ROA) | 1.8399% | 489 |
| Pretax return on assets | 1.6870% | 1,183 |
| Return on Equity (ROE) | 8.4448% | 3,094 |
| Retained earnings to average equity (ytd only) | 8.4448% | 1,368 |
| Net charge-offs to loans | 1.3175% | 45 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2.4617% | 2,583 |
| Efficiency ratio | 38.8925% | 4,703 |
| Assets per employee ($millions) | 12.4633% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5580% | 95 |
| Loan loss allowance to noncurrent loans | 38.1306% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 4.7187% | 30 |
| Noncurrent loans to loans | 9.3310% | 21 |
| Net loans and leases to total assets | 48.4024% | 3,467 |
| Net loans and leases to deposits | 62.6853% | 2,811 |
| Net loans and leases to core deposits | 73.0786% | 2,157 |
| Total domestic deposits to total assets | 77.2149% | 4,454 |
| Equity capital to assets | 22.7102% | 117 |
| Core capital (leverage) ratio | 21.8284% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,505,200 | 3,875 |
| Average earning assets | $100,048,400 | 3,906 |
| Average equity | $24,512,200 | 2,880 |
| Average total loans | $58,519,400 | 3,841 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 3,100 |
| Cost of funding earning assets | 0.7736% | 275 |
| Net interest margin | 2.6266% | 4,093 |
| Noninterest income to average assets | 0.5767% | 2,316 |
| Noninterest expense to average assets | 1.0196% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1008% | 395 |
| Return on assets (ROA) | 2.1008% | 417 |
| Pretax return on assets | 1.8971% | 953 |
| Return on Equity (ROE) | 9.7450% | 2,828 |
| Retained earnings to average equity (ytd only) | 9.7450% | 1,399 |
| Net charge-offs to loans | 0.6146% | 129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 5.8681% | 2,204 |
| Efficiency ratio | 34.9574% | 4,827 |
| Assets per employee ($millions) | 10.7936% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5202% | 50 |
| Loan loss allowance to noncurrent loans | 37.4289% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 6.4575% | 15 |
| Noncurrent loans to loans | 12.0768% | 10 |
| Net loans and leases to total assets | 48.9438% | 3,533 |
| Net loans and leases to deposits | 63.9015% | 2,862 |
| Net loans and leases to core deposits | 75.6317% | 2,088 |
| Total domestic deposits to total assets | 76.5926% | 4,515 |
| Equity capital to assets | 23.3351% | 116 |
| Core capital (leverage) ratio | 21.6100% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,589,000 | 3,916 |
| Average earning assets | $100,303,000 | 3,952 |
| Average equity | $24,271,750 | 2,923 |
| Average total loans | $59,225,500 | 3,882 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3781% | 3,236 |
| Cost of funding earning assets | 0.7961% | 300 |
| Net interest margin | 2.5820% | 4,193 |
| Noninterest income to average assets | 0.1332% | 4,536 |
| Noninterest expense to average assets | 0.9935% | 4,873 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7540% | 789 |
| Return on assets (ROA) | 1.7540% | 836 |
| Pretax return on assets | 1.4526% | 2,164 |
| Return on Equity (ROE) | 8.3533% | 3,299 |
| Retained earnings to average equity (ytd only) | 8.3533% | 1,960 |
| Net charge-offs to loans | 1.1863% | 61 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2.3092% | 2,130 |
| Efficiency ratio | 40.6160% | 4,733 |
| Assets per employee ($millions) | 12.6403% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2533% | 59 |
| Loan loss allowance to noncurrent loans | 32.8080% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 6.8502% | 16 |
| Noncurrent loans to loans | 12.9643% | 14 |
| Net loans and leases to total assets | 47.7871% | 3,744 |
| Net loans and leases to deposits | 60.9626% | 3,306 |
| Net loans and leases to core deposits | 71.8113% | 2,621 |
| Total domestic deposits to total assets | 78.3875% | 4,400 |
| Equity capital to assets | 21.5228% | 139 |
| Core capital (leverage) ratio | 19.9226% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,140,000 | 3,923 |
| Average earning assets | $102,247,667 | 3,949 |
| Average equity | $23,966,667 | 2,941 |
| Average total loans | $60,524,333 | 3,889 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 2,717 |
| Cost of funding earning assets | 0.8527% | 276 |
| Net interest margin | 2.7230% | 3,915 |
| Noninterest income to average assets | 0.0875% | 4,735 |
| Noninterest expense to average assets | 1.0286% | 4,902 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4834% | 1,363 |
| Return on assets (ROA) | 1.4834% | 1,431 |
| Pretax return on assets | 1.4834% | 2,043 |
| Return on Equity (ROE) | 7.1539% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.1539% | 2,528 |
| Net charge-offs to loans | 1.9809% | 36 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1.3722% | 1,854 |
| Efficiency ratio | 40.9471% | 4,717 |
| Assets per employee ($millions) | 11.7126% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1539% | 68 |
| Loan loss allowance to noncurrent loans | 32.5069% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 7.1188% | 14 |
| Noncurrent loans to loans | 12.7785% | 14 |
| Net loans and leases to total assets | 48.5605% | 3,755 |
| Net loans and leases to deposits | 61.0733% | 3,402 |
| Net loans and leases to core deposits | 72.3829% | 2,666 |
| Total domestic deposits to total assets | 79.5118% | 4,266 |
| Equity capital to assets | 20.3772% | 171 |
| Core capital (leverage) ratio | 19.6067% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,328,500 | 3,927 |
| Average earning assets | $101,799,000 | 3,962 |
| Average equity | $23,707,500 | 2,950 |
| Average total loans | $62,397,000 | 3,873 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5076% | 1,294 |
| Cost of funding earning assets | 1.1070% | 390 |
| Net interest margin | 3.4005% | 2,777 |
| Noninterest income to average assets | 0.1796% | 4,388 |
| Noninterest expense to average assets | 1.2048% | 4,899 |
| Loan and lease loss provision to assets | 1.1217% | 68 |
| Net operating income to assets | 0.9516% | 2,474 |
| Return on assets (ROA) | 0.9516% | 2,620 |
| Pretax return on assets | 0.9612% | 3,173 |
| Return on Equity (ROE) | 4.3122% | 4,082 |
| Retained earnings to average equity (ytd only) | 4.3122% | 2,643 |
| Net charge-offs to loans | 3.4511% | 23 |
| Credit loss provision to net charge-offs | 46.1115% | 3,163 |
| Earnings coverage of net charge-offs (x) | 0.8562% | 3,299 |
| Efficiency ratio | 36.6463% | 4,930 |
| Assets per employee ($millions) | 11.1531% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2382% | 61 |
| Loan loss allowance to noncurrent loans | 30.9150% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 8.2443% | 10 |
| Noncurrent loans to loans | 13.7093% | 10 |
| Net loans and leases to total assets | 56.1978% | 3,283 |
| Net loans and leases to deposits | 71.3718% | 2,751 |
| Net loans and leases to core deposits | 85.3122% | 1,927 |
| Total domestic deposits to total assets | 78.7395% | 4,227 |
| Equity capital to assets | 21.1134% | 163 |
| Core capital (leverage) ratio | 20.2409% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,663,000 | 3,935 |
| Average earning assets | $95,661,000 | 3,951 |
| Average equity | $23,097,200 | 2,932 |
| Average total loans | $73,773,400 | 3,664 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 1,212 |
| Cost of funding earning assets | 1.1546% | 431 |
| Net interest margin | 3.4836% | 2,645 |
| Noninterest income to average assets | 0.1849% | 4,365 |
| Noninterest expense to average assets | 1.1523% | 4,948 |
| Loan and lease loss provision to assets | 0.7760% | 245 |
| Net operating income to assets | 1.4355% | 1,022 |
| Return on assets (ROA) | 1.4355% | 1,113 |
| Pretax return on assets | 1.4484% | 1,578 |
| Return on Equity (ROE) | 6.3971% | 3,411 |
| Retained earnings to average equity (ytd only) | 6.3971% | 1,923 |
| Net charge-offs to loans | 1.3190% | 95 |
| Credit loss provision to net charge-offs | 79.4702% | 2,762 |
| Earnings coverage of net charge-offs (x) | 2.2781% | 3,004 |
| Efficiency ratio | 34.1249% | 4,970 |
| Assets per employee ($millions) | 10.4822% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6046% | 33 |
| Loan loss allowance to noncurrent loans | 35.7552% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 10.8937% | 9 |
| Noncurrent loans to loans | 15.6750% | 12 |
| Net loans and leases to total assets | 64.1259% | 2,755 |
| Net loans and leases to deposits | 82.9719% | 2,024 |
| Net loans and leases to core deposits | 101.5792% | 1,058 |
| Total domestic deposits to total assets | 77.2863% | 4,290 |
| Equity capital to assets | 22.5716% | 134 |
| Core capital (leverage) ratio | 21.0227% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,096,250 | 3,951 |
| Average earning assets | $94,460,250 | 3,962 |
| Average equity | $23,135,000 | 2,926 |
| Average total loans | $76,318,000 | 3,634 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5509% | 1,779 |
| Cost of funding earning assets | 1.1816% | 537 |
| Net interest margin | 3.3692% | 3,192 |
| Noninterest income to average assets | 0.2204% | 4,172 |
| Noninterest expense to average assets | 1.1627% | 4,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.1908% | 227 |
| Return on assets (ROA) | 2.1908% | 248 |
| Pretax return on assets | 2.2005% | 361 |
| Return on Equity (ROE) | 9.7822% | 2,057 |
| Retained earnings to average equity (ytd only) | 9.7822% | 833 |
| Net charge-offs to loans | 1.9687% | 63 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.4688% | 2,859 |
| Efficiency ratio | 34.5708% | 4,989 |
| Assets per employee ($millions) | 10.5587% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5006% | 49 |
| Loan loss allowance to noncurrent loans | 26.2655% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 12.4504% | 9 |
| Noncurrent loans to loans | 17.1350% | 11 |
| Net loans and leases to total assets | 67.8862% | 2,375 |
| Net loans and leases to deposits | 87.7033% | 1,587 |
| Net loans and leases to core deposits | 107.5438% | 836 |
| Total domestic deposits to total assets | 77.4044% | 4,261 |
| Equity capital to assets | 22.4251% | 137 |
| Core capital (leverage) ratio | 20.9457% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,521,000 | 3,960 |
| Average earning assets | $95,630,000 | 3,943 |
| Average equity | $22,960,000 | 2,931 |
| Average total loans | $78,021,000 | 3,616 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 1,836 |
| Cost of funding earning assets | 1.2086% | 753 |
| Net interest margin | 3.4454% | 3,160 |
| Noninterest income to average assets | 0.2060% | 4,316 |
| Noninterest expense to average assets | 1.1883% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.2696% | 160 |
| Return on assets (ROA) | 2.2696% | 177 |
| Pretax return on assets | 2.2696% | 254 |
| Return on Equity (ROE) | 10.1411% | 1,699 |
| Retained earnings to average equity (ytd only) | 10.1411% | 721 |
| Net charge-offs to loans | 2.3093% | 58 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.2484% | 2,405 |
| Efficiency ratio | 34.3643% | 5,040 |
| Assets per employee ($millions) | 10.2499% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6712% | 51 |
| Loan loss allowance to noncurrent loans | 34.0726% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 10.8947% | 17 |
| Noncurrent loans to loans | 13.7094% | 16 |
| Net loans and leases to total assets | 73.4095% | 1,711 |
| Net loans and leases to deposits | 94.7133% | 1,018 |
| Net loans and leases to core deposits | 117.5779% | 539 |
| Total domestic deposits to total assets | 77.5071% | 4,295 |
| Equity capital to assets | 22.3319% | 165 |
| Core capital (leverage) ratio | 20.8844% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,988,000 | 3,975 |
| Average earning assets | $95,316,000 | 3,936 |
| Average equity | $22,601,000 | 2,954 |
| Average total loans | $79,503,000 | 3,589 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9647% | 1,571 |
| Cost of funding earning assets | 1.1405% | 1,191 |
| Net interest margin | 3.8241% | 2,426 |
| Noninterest income to average assets | 0.2198% | 4,352 |
| Noninterest expense to average assets | 0.9869% | 5,123 |
| Loan and lease loss provision to assets | 4.2447% | 12 |
| Net operating income to assets | -1.4438% | 5,116 |
| Return on assets (ROA) | -1.4438% | 5,119 |
| Pretax return on assets | -1.3676% | 5,115 |
| Return on Equity (ROE) | -6.6822% | 5,096 |
| Retained earnings to average equity (ytd only) | -6.6822% | 5,023 |
| Net charge-offs to loans | 3.6841% | 27 |
| Credit loss provision to net charge-offs | 142.4010% | 1,813 |
| Earnings coverage of net charge-offs (x) | 0.9652% | 3,577 |
| Efficiency ratio | 25.5419% | 5,148 |
| Assets per employee ($millions) | 11.0530% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1776% | 29 |
| Loan loss allowance to noncurrent loans | 43.5230% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 9.7058% | 19 |
| Noncurrent loans to loans | 11.8963% | 15 |
| Net loans and leases to total assets | 76.3282% | 1,357 |
| Net loans and leases to deposits | 98.6168% | 705 |
| Net loans and leases to core deposits | 123.3555% | 396 |
| Total domestic deposits to total assets | 77.3988% | 4,447 |
| Equity capital to assets | 22.4293% | 169 |
| Core capital (leverage) ratio | 20.6696% | 215 |
| Tier 1 risk-based capital ratio | 25.7361% | 696 |
| Total risk-based capital ratio | 27.0312% | 676 |
| Memoranda: | ||
| Average total assets | $105,073,200 | 3,916 |
| Average earning assets | $100,127,200 | 3,869 |
| Average equity | $22,702,200 | 2,895 |
| Average total loans | $85,014,000 | 3,504 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 1,651 |
| Cost of funding earning assets | 1.1365% | 1,219 |
| Net interest margin | 3.8240% | 2,516 |
| Noninterest income to average assets | 0.2342% | 4,337 |
| Noninterest expense to average assets | 0.9367% | 5,207 |
| Loan and lease loss provision to assets | 5.5838% | 7 |
| Net operating income to assets | -2.7424% | 5,223 |
| Return on assets (ROA) | -2.7424% | 5,223 |
| Pretax return on assets | -2.6372% | 5,218 |
| Return on Equity (ROE) | -12.8069% | 5,212 |
| Retained earnings to average equity (ytd only) | -12.8069% | 5,168 |
| Net charge-offs to loans | 4.7180% | 18 |
| Credit loss provision to net charge-offs | 146.1009% | 1,668 |
| Earnings coverage of net charge-offs (x) | 0.7710% | 3,343 |
| Efficiency ratio | 24.1213% | 5,229 |
| Assets per employee ($millions) | 11.1126% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1800% | 34 |
| Loan loss allowance to noncurrent loans | 46.3217% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 9.1598% | 20 |
| Noncurrent loans to loans | 11.1828% | 20 |
| Net loans and leases to total assets | 77.3279% | 1,258 |
| Net loans and leases to deposits | 98.9192% | 728 |
| Net loans and leases to core deposits | 128.7829% | 312 |
| Total domestic deposits to total assets | 78.1728% | 4,314 |
| Equity capital to assets | 21.6622% | 196 |
| Core capital (leverage) ratio | 19.6060% | 263 |
| Tier 1 risk-based capital ratio | 24.5176% | 805 |
| Total risk-based capital ratio | 25.8135% | 783 |
| Memoranda: | ||
| Average total assets | $106,472,250 | 3,928 |
| Average earning assets | $101,600,250 | 3,884 |
| Average equity | $22,799,750 | 2,906 |
| Average total loans | $86,248,750 | 3,519 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 989 |
| Cost of funding earning assets | 1.1112% | 1,256 |
| Net interest margin | 4.0828% | 1,659 |
| Noninterest income to average assets | 0.2596% | 4,199 |
| Noninterest expense to average assets | 0.9022% | 5,261 |
| Loan and lease loss provision to assets | 3.6824% | 17 |
| Net operating income to assets | -0.5266% | 5,192 |
| Return on assets (ROA) | -0.5266% | 5,199 |
| Pretax return on assets | -0.4216% | 5,183 |
| Return on Equity (ROE) | -2.4679% | 5,177 |
| Retained earnings to average equity (ytd only) | -2.4679% | 4,946 |
| Net charge-offs to loans | 1.2276% | 104 |
| Credit loss provision to net charge-offs | 371.0575% | 769 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 2,860 |
| Efficiency ratio | 21.6718% | 5,277 |
| Assets per employee ($millions) | 11.4379% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0032% | 33 |
| Loan loss allowance to noncurrent loans | 43.1699% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 9.7415% | 17 |
| Noncurrent loans to loans | 11.5895% | 21 |
| Net loans and leases to total assets | 78.9258% | 1,053 |
| Net loans and leases to deposits | 102.5005% | 512 |
| Net loans and leases to core deposits | 132.1175% | 285 |
| Total domestic deposits to total assets | 77.0004% | 4,557 |
| Equity capital to assets | 22.8412% | 163 |
| Core capital (leverage) ratio | 20.9408% | 200 |
| Tier 1 risk-based capital ratio | 26.8374% | 633 |
| Total risk-based capital ratio | 28.1337% | 620 |
| Memoranda: | ||
| Average total assets | $108,625,330 | 3,918 |
| Average earning assets | $103,850,670 | 3,872 |
| Average equity | $23,178,000 | 2,869 |
| Average total loans | $87,810,670 | 3,507 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9841% | 1,367 |
| Cost of funding earning assets | 1.0917% | 1,213 |
| Net interest margin | 3.8924% | 2,212 |
| Noninterest income to average assets | 0.2727% | 4,056 |
| Noninterest expense to average assets | 0.9115% | 5,329 |
| Loan and lease loss provision to assets | 7.1770% | 6 |
| Net operating income to assets | -4.2093% | 5,344 |
| Return on assets (ROA) | -4.2093% | 5,343 |
| Pretax return on assets | -4.1052% | 5,340 |
| Return on Equity (ROE) | -20.3907% | 5,334 |
| Retained earnings to average equity (ytd only) | -20.3907% | 5,258 |
| Net charge-offs to loans | 2.1899% | 51 |
| Credit loss provision to net charge-offs | 410.6776% | 682 |
| Earnings coverage of net charge-offs (x) | 1.7577% | 2,560 |
| Efficiency ratio | 22.8829% | 5,340 |
| Assets per employee ($millions) | 11.8543% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9948% | 37 |
| Loan loss allowance to noncurrent loans | 38.8152% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 10.5559% | 15 |
| Noncurrent loans to loans | 12.8682% | 16 |
| Net loans and leases to total assets | 77.2141% | 1,288 |
| Net loans and leases to deposits | 98.0831% | 780 |
| Net loans and leases to core deposits | 133.5241% | 263 |
| Total domestic deposits to total assets | 78.7232% | 4,397 |
| Equity capital to assets | 21.0931% | 194 |
| Core capital (leverage) ratio | 19.4309% | 258 |
| Tier 1 risk-based capital ratio | 25.2127% | 746 |
| Total risk-based capital ratio | 26.5088% | 724 |
| Memoranda: | ||
| Average total assets | $111,467,500 | 3,912 |
| Average earning assets | $106,258,500 | 3,876 |
| Average equity | $23,010,500 | 2,885 |
| Average total loans | $88,953,000 | 3,510 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 1,617 |
| Cost of funding earning assets | 0.9318% | 988 |
| Net interest margin | 3.8349% | 2,548 |
| Noninterest income to average assets | 0.1283% | 5,048 |
| Noninterest expense to average assets | 0.9330% | 5,362 |
| Loan and lease loss provision to assets | 2.0980% | 30 |
| Net operating income to assets | 0.6993% | 4,137 |
| Return on assets (ROA) | 0.6993% | 4,141 |
| Pretax return on assets | 0.7554% | 4,281 |
| Return on Equity (ROE) | 3.4440% | 4,831 |
| Retained earnings to average equity (ytd only) | 1.7701% | 4,442 |
| Net charge-offs to loans | 0.7893% | 192 |
| Credit loss provision to net charge-offs | 333.1984% | 944 |
| Earnings coverage of net charge-offs (x) | 4.5317% | 3,287 |
| Efficiency ratio | 24.6409% | 5,378 |
| Assets per employee ($millions) | 12.9162% | 163 |
| Cash dividends to net income (ytd only)* | 48.6027% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0900% | 119 |
| Loan loss allowance to noncurrent loans | 33.9395% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 7.3215% | 35 |
| Noncurrent loans to loans | 9.1046% | 32 |
| Net loans and leases to total assets | 76.0267% | 1,607 |
| Net loans and leases to deposits | 95.5087% | 1,119 |
| Net loans and leases to core deposits | 135.7406% | 242 |
| Total domestic deposits to total assets | 79.6019% | 4,192 |
| Equity capital to assets | 20.2304% | 223 |
| Core capital (leverage) ratio | 19.4085% | 250 |
| Tier 1 risk-based capital ratio | 24.7359% | 759 |
| Total risk-based capital ratio | 26.0071% | 743 |
| Memoranda: | ||
| Average total assets | $117,681,000 | 3,827 |
| Average earning assets | $112,257,200 | 3,773 |
| Average equity | $23,896,400 | 2,737 |
| Average total loans | $93,885,400 | 3,409 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 1,011 |
| Cost of funding earning assets | 0.8617% | 1,068 |
| Net interest margin | 4.1015% | 1,623 |
| Noninterest income to average assets | 0.2813% | 4,266 |
| Noninterest expense to average assets | 0.8573% | 5,439 |
| Loan and lease loss provision to assets | 0.5298% | 201 |
| Net operating income to assets | 2.7719% | 105 |
| Return on assets (ROA) | 2.7719% | 104 |
| Pretax return on assets | 2.8137% | 141 |
| Return on Equity (ROE) | 13.6380% | 1,221 |
| Retained earnings to average equity (ytd only) | 11.4150% | 569 |
| Net charge-offs to loans | 0.6232% | 234 |
| Credit loss provision to net charge-offs | 106.1086% | 2,175 |
| Earnings coverage of net charge-offs (x) | 6.6968% | 2,859 |
| Efficiency ratio | 20.4087% | 5,455 |
| Assets per employee ($millions) | 12.7297% | 166 |
| Cash dividends to net income (ytd only)* | 16.2999% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 2,721 |
| Loan loss allowance to noncurrent loans | 17.1899% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 5.8743% | 57 |
| Noncurrent loans to loans | 6.8835% | 59 |
| Net loans and leases to total assets | 81.4222% | 808 |
| Net loans and leases to deposits | 104.4989% | 521 |
| Net loans and leases to core deposits | 154.9706% | 106 |
| Total domestic deposits to total assets | 77.9169% | 4,493 |
| Equity capital to assets | 21.8510% | 168 |
| Core capital (leverage) ratio | 20.8919% | 200 |
| Tier 1 risk-based capital ratio | 25.6546% | 703 |
| Total risk-based capital ratio | 26.8162% | 694 |
| Memoranda: | ||
| Average total assets | $118,039,750 | 3,858 |
| Average earning assets | $112,800,750 | 3,802 |
| Average equity | $23,991,250 | 2,739 |
| Average total loans | $94,557,750 | 3,426 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 1,059 |
| Cost of funding earning assets | 0.7809% | 1,215 |
| Net interest margin | 4.1017% | 1,552 |
| Noninterest income to average assets | 0.2752% | 4,350 |
| Noninterest expense to average assets | 0.8540% | 5,506 |
| Loan and lease loss provision to assets | 0.7869% | 118 |
| Net operating income to assets | 2.5252% | 143 |
| Return on assets (ROA) | 2.5252% | 145 |
| Pretax return on assets | 2.5386% | 211 |
| Return on Equity (ROE) | 12.7307% | 1,467 |
| Retained earnings to average equity (ytd only) | 9.3471% | 1,109 |
| Net charge-offs to loans | 0.1480% | 1,038 |
| Credit loss provision to net charge-offs | 670.0000% | 576 |
| Earnings coverage of net charge-offs (x) | 28.3143% | 1,560 |
| Efficiency ratio | 20.4336% | 5,518 |
| Assets per employee ($millions) | 13.3026% | 140 |
| Cash dividends to net income (ytd only)* | 26.5781% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 1,420 |
| Loan loss allowance to noncurrent loans | 20.5777% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 6.4549% | 46 |
| Noncurrent loans to loans | 7.2570% | 53 |
| Net loans and leases to total assets | 82.0410% | 706 |
| Net loans and leases to deposits | 109.8557% | 283 |
| Net loans and leases to core deposits | 158.2516% | 85 |
| Total domestic deposits to total assets | 74.6807% | 4,984 |
| Equity capital to assets | 20.1950% | 218 |
| Core capital (leverage) ratio | 19.8918% | 231 |
| Tier 1 risk-based capital ratio | 23.1467% | 920 |
| Total risk-based capital ratio | 24.3987% | 903 |
| Memoranda: | ||
| Average total assets | $119,197,330 | 3,874 |
| Average earning assets | $113,465,670 | 3,819 |
| Average equity | $23,643,670 | 2,782 |
| Average total loans | $94,610,330 | 3,436 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5925% | 1,600 |
| Cost of funding earning assets | 0.7553% | 1,164 |
| Net interest margin | 3.8372% | 2,274 |
| Noninterest income to average assets | 0.2758% | 4,322 |
| Noninterest expense to average assets | 0.9114% | 5,569 |
| Loan and lease loss provision to assets | 1.5773% | 46 |
| Net operating income to assets | 1.4092% | 1,321 |
| Return on assets (ROA) | 1.4092% | 1,328 |
| Pretax return on assets | 1.4092% | 1,980 |
| Return on Equity (ROE) | 7.1696% | 3,713 |
| Retained earnings to average equity (ytd only) | 7.1696% | 2,197 |
| Net charge-offs to loans | 0.0174% | 2,165 |
| Credit loss provision to net charge-offs | 11,725.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 299 |
| Efficiency ratio | 23.3822% | 5,582 |
| Assets per employee ($millions) | 11.7129% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 958 |
| Loan loss allowance to noncurrent loans | 30.6042% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 4.7631% | 103 |
| Noncurrent loans to loans | 5.5354% | 117 |
| Net loans and leases to total assets | 77.0398% | 1,384 |
| Net loans and leases to deposits | 96.5173% | 975 |
| Net loans and leases to core deposits | 119.5131% | 597 |
| Total domestic deposits to total assets | 79.8197% | 4,445 |
| Equity capital to assets | 20.0710% | 212 |
| Core capital (leverage) ratio | 19.2428% | 244 |
| Tier 1 risk-based capital ratio | 24.7050% | 771 |
| Total risk-based capital ratio | 25.9599% | 758 |
| Memoranda: | ||
| Average total assets | $118,934,500 | 3,915 |
| Average earning assets | $112,269,000 | 3,882 |
| Average equity | $23,376,500 | 2,828 |
| Average total loans | $92,060,000 | 3,501 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1324% | 499 |
| Cost of funding earning assets | 0.7425% | 844 |
| Net interest margin | 4.3899% | 784 |
| Noninterest income to average assets | 0.2956% | 4,340 |
| Noninterest expense to average assets | 0.9460% | 5,620 |
| Loan and lease loss provision to assets | 0.5426% | 242 |
| Net operating income to assets | 2.8254% | 85 |
| Return on assets (ROA) | 2.8254% | 83 |
| Pretax return on assets | 2.9817% | 102 |
| Return on Equity (ROE) | 14.0959% | 748 |
| Retained earnings to average equity (ytd only) | 10.0621% | 340 |
| Net charge-offs to loans | 0.6920% | 310 |
| Credit loss provision to net charge-offs | 96.0254% | 2,686 |
| Earnings coverage of net charge-offs (x) | 6.2369% | 3,208 |
| Efficiency ratio | 21.1616% | 5,645 |
| Assets per employee ($millions) | 13.4156% | 137 |
| Cash dividends to net income (ytd only)* | 28.6169% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,898 |
| Loan loss allowance to noncurrent loans | 86.7834% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.4287% | 980 |
| Noncurrent loans to loans | 1.3604% | 1,281 |
| Net loans and leases to total assets | 75.5665% | 1,674 |
| Net loans and leases to deposits | 93.6986% | 1,305 |
| Net loans and leases to core deposits | 115.7988% | 727 |
| Total domestic deposits to total assets | 80.6485% | 4,208 |
| Equity capital to assets | 19.2513% | 239 |
| Core capital (leverage) ratio | 19.6091% | 210 |
| Tier 1 risk-based capital ratio | 24.0614% | 810 |
| Total risk-based capital ratio | 25.2210% | 800 |
| Memoranda: | ||
| Average total assets | $111,313,200 | 4,035 |
| Average earning assets | $105,856,200 | 3,987 |
| Average equity | $22,311,400 | 2,921 |
| Average total loans | $90,892,800 | 3,508 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1803% | 434 |
| Cost of funding earning assets | 0.7331% | 832 |
| Net interest margin | 4.4471% | 670 |
| Noninterest income to average assets | 0.3120% | 4,293 |
| Noninterest expense to average assets | 0.9569% | 5,684 |
| Loan and lease loss provision to assets | 0.4589% | 277 |
| Net operating income to assets | 3.0017% | 80 |
| Return on assets (ROA) | 3.0017% | 78 |
| Pretax return on assets | 3.1645% | 104 |
| Return on Equity (ROE) | 14.8136% | 675 |
| Retained earnings to average equity (ytd only) | 10.8883% | 427 |
| Net charge-offs to loans | 0.4389% | 477 |
| Credit loss provision to net charge-offs | 125.8389% | 1,933 |
| Earnings coverage of net charge-offs (x) | 9.9363% | 2,648 |
| Efficiency ratio | 20.8923% | 5,714 |
| Assets per employee ($millions) | 11.0941% | 225 |
| Cash dividends to net income (ytd only)* | 26.4984% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 2,414 |
| Loan loss allowance to noncurrent loans | 80.8684% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.9244% | 695 |
| Noncurrent loans to loans | 1.5935% | 1,155 |
| Net loans and leases to total assets | 82.3059% | 633 |
| Net loans and leases to deposits | 105.6901% | 428 |
| Net loans and leases to core deposits | 135.6453% | 261 |
| Total domestic deposits to total assets | 77.8747% | 4,751 |
| Equity capital to assets | 20.6813% | 200 |
| Core capital (leverage) ratio | 19.8916% | 210 |
| Tier 1 risk-based capital ratio | 24.2758% | 820 |
| Total risk-based capital ratio | 25.5261% | 799 |
| Memoranda: | ||
| Average total assets | $108,956,500 | 4,119 |
| Average earning assets | $104,573,750 | 4,057 |
| Average equity | $22,078,250 | 2,970 |
| Average total loans | $90,533,750 | 3,551 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1910% | 400 |
| Cost of funding earning assets | 0.7135% | 829 |
| Net interest margin | 4.4774% | 595 |
| Noninterest income to average assets | 0.3084% | 4,333 |
| Noninterest expense to average assets | 0.9788% | 5,735 |
| Loan and lease loss provision to assets | 0.4155% | 312 |
| Net operating income to assets | 3.0435% | 76 |
| Return on assets (ROA) | 3.0435% | 77 |
| Pretax return on assets | 3.2134% | 104 |
| Return on Equity (ROE) | 15.1264% | 639 |
| Retained earnings to average equity (ytd only) | 10.3076% | 534 |
| Net charge-offs to loans | 0.4428% | 452 |
| Credit loss provision to net charge-offs | 113.0653% | 1,855 |
| Earnings coverage of net charge-offs (x) | 9.8744% | 2,389 |
| Efficiency ratio | 21.2425% | 5,765 |
| Assets per employee ($millions) | 12.1452% | 168 |
| Cash dividends to net income (ytd only)* | 31.8568% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,706 |
| Loan loss allowance to noncurrent loans | 78.9073% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.8425% | 736 |
| Noncurrent loans to loans | 1.5807% | 1,174 |
| Net loans and leases to total assets | 82.6470% | 588 |
| Net loans and leases to deposits | 103.9574% | 499 |
| Net loans and leases to core deposits | 129.8422% | 312 |
| Total domestic deposits to total assets | 79.5009% | 4,512 |
| Equity capital to assets | 20.4058% | 210 |
| Core capital (leverage) ratio | 19.8913% | 208 |
| Tier 1 risk-based capital ratio | 24.0025% | 851 |
| Total risk-based capital ratio | 25.2521% | 830 |
| Memoranda: | ||
| Average total assets | $108,295,000 | 4,161 |
| Average earning assets | $103,988,670 | 4,097 |
| Average equity | $21,789,670 | 3,001 |
| Average total loans | $89,877,330 | 3,577 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1519% | 409 |
| Cost of funding earning assets | 0.7006% | 842 |
| Net interest margin | 4.4513% | 569 |
| Noninterest income to average assets | 0.2969% | 4,430 |
| Noninterest expense to average assets | 1.0576% | 5,792 |
| Loan and lease loss provision to assets | 0.3711% | 308 |
| Net operating income to assets | 3.1358% | 86 |
| Return on assets (ROA) | 3.1358% | 86 |
| Pretax return on assets | 3.1358% | 118 |
| Return on Equity (ROE) | 15.6976% | 568 |
| Retained earnings to average equity (ytd only) | 15.6976% | 209 |
| Net charge-offs to loans | 0.5389% | 330 |
| Credit loss provision to net charge-offs | 83.3333% | 1,732 |
| Earnings coverage of net charge-offs (x) | 7.8750% | 2,100 |
| Efficiency ratio | 23.1707% | 5,827 |
| Assets per employee ($millions) | 11.9201% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,886 |
| Loan loss allowance to noncurrent loans | 83.5240% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.6797% | 900 |
| Noncurrent loans to loans | 1.4855% | 1,352 |
| Net loans and leases to total assets | 81.2427% | 666 |
| Net loans and leases to deposits | 102.2705% | 486 |
| Net loans and leases to core deposits | 127.6031% | 294 |
| Total domestic deposits to total assets | 79.4390% | 4,729 |
| Equity capital to assets | 20.4789% | 198 |
| Core capital (leverage) ratio | 19.6341% | 210 |
| Tier 1 risk-based capital ratio | 23.2274% | 947 |
| Total risk-based capital ratio | 24.4263% | 940 |
| Memoranda: | ||
| Average total assets | $107,789,000 | 4,208 |
| Average earning assets | $103,341,500 | 4,144 |
| Average equity | $21,532,000 | 3,025 |
| Average total loans | $89,076,000 | 3,614 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 409 |
| Cost of funding earning assets | 0.6560% | 1,023 |
| Net interest margin | 4.5531% | 551 |
| Noninterest income to average assets | 0.3417% | 4,295 |
| Noninterest expense to average assets | 0.9807% | 5,860 |
| Loan and lease loss provision to assets | 0.5616% | 235 |
| Net operating income to assets | 3.0562% | 79 |
| Return on assets (ROA) | 3.0562% | 80 |
| Pretax return on assets | 3.1884% | 101 |
| Return on Equity (ROE) | 16.0032% | 509 |
| Retained earnings to average equity (ytd only) | 10.6655% | 341 |
| Net charge-offs to loans | 0.5545% | 428 |
| Credit loss provision to net charge-offs | 123.9583% | 2,156 |
| Earnings coverage of net charge-offs (x) | 8.2771% | 2,889 |
| Efficiency ratio | 20.7302% | 5,895 |
| Assets per employee ($millions) | 12.0330% | 172 |
| Cash dividends to net income (ytd only)* | 33.3539% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 2,876 |
| Loan loss allowance to noncurrent loans | 70.8386% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.6759% | 926 |
| Noncurrent loans to loans | 1.7509% | 1,096 |
| Net loans and leases to total assets | 81.9820% | 612 |
| Net loans and leases to deposits | 101.9159% | 539 |
| Net loans and leases to core deposits | 127.3893% | 318 |
| Total domestic deposits to total assets | 80.4408% | 4,464 |
| Equity capital to assets | 19.4779% | 225 |
| Core capital (leverage) ratio | 18.5690% | 249 |
| Tier 1 risk-based capital ratio | 22.3196% | 1,038 |
| Total risk-based capital ratio | 23.5413% | 1,020 |
| Memoranda: | ||
| Average total assets | $105,948,200 | 4,238 |
| Average earning assets | $102,128,000 | 4,161 |
| Average equity | $20,233,400 | 3,146 |
| Average total loans | $86,571,600 | 3,650 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1829% | 437 |
| Cost of funding earning assets | 0.6466% | 1,077 |
| Net interest margin | 4.5363% | 576 |
| Noninterest income to average assets | 0.2278% | 5,107 |
| Noninterest expense to average assets | 0.9478% | 5,930 |
| Loan and lease loss provision to assets | 0.6391% | 178 |
| Net operating income to assets | 2.8992% | 97 |
| Return on assets (ROA) | 2.8992% | 103 |
| Pretax return on assets | 3.0270% | 123 |
| Return on Equity (ROE) | 15.2590% | 639 |
| Retained earnings to average equity (ytd only) | 10.2637% | 523 |
| Net charge-offs to loans | 0.6034% | 343 |
| Credit loss provision to net charge-offs | 130.1546% | 1,971 |
| Earnings coverage of net charge-offs (x) | 7.4665% | 2,873 |
| Efficiency ratio | 20.5431% | 5,963 |
| Assets per employee ($millions) | 10.8289% | 229 |
| Cash dividends to net income (ytd only)* | 32.7370% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,982 |
| Loan loss allowance to noncurrent loans | 61.1050% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 1.9189% | 833 |
| Noncurrent loans to loans | 2.0390% | 958 |
| Net loans and leases to total assets | 81.7581% | 657 |
| Net loans and leases to deposits | 113.2813% | 195 |
| Net loans and leases to core deposits | 138.3338% | 209 |
| Total domestic deposits to total assets | 72.1726% | 5,588 |
| Equity capital to assets | 19.1506% | 259 |
| Core capital (leverage) ratio | 18.2508% | 285 |
| Tier 1 risk-based capital ratio | 22.8880% | 1,015 |
| Total risk-based capital ratio | 24.1382% | 1,000 |
| Memoranda: | ||
| Average total assets | $105,361,000 | 4,290 |
| Average earning assets | $101,871,000 | 4,195 |
| Average equity | $20,018,250 | 3,190 |
| Average total loans | $85,739,750 | 3,691 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 480 |
| Cost of funding earning assets | 0.6175% | 1,209 |
| Net interest margin | 4.5006% | 619 |
| Noninterest income to average assets | 0.2088% | 5,246 |
| Noninterest expense to average assets | 0.9637% | 6,010 |
| Loan and lease loss provision to assets | 0.8622% | 118 |
| Net operating income to assets | 2.6211% | 133 |
| Return on assets (ROA) | 2.6211% | 132 |
| Pretax return on assets | 2.7399% | 153 |
| Return on Equity (ROE) | 13.8333% | 863 |
| Retained earnings to average equity (ytd only) | 8.7773% | 909 |
| Net charge-offs to loans | 0.7840% | 258 |
| Credit loss provision to net charge-offs | 135.9517% | 1,718 |
| Earnings coverage of net charge-offs (x) | 5.6798% | 2,831 |
| Efficiency ratio | 21.1078% | 6,039 |
| Assets per employee ($millions) | 10.7008% | 224 |
| Cash dividends to net income (ytd only)* | 36.5497% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,921 |
| Loan loss allowance to noncurrent loans | 52.8079% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 2.2139% | 694 |
| Noncurrent loans to loans | 2.4151% | 744 |
| Net loans and leases to total assets | 80.9463% | 763 |
| Net loans and leases to deposits | 106.6513% | 343 |
| Net loans and leases to core deposits | 130.2071% | 306 |
| Total domestic deposits to total assets | 75.8981% | 5,303 |
| Equity capital to assets | 18.8491% | 272 |
| Core capital (leverage) ratio | 17.9359% | 299 |
| Tier 1 risk-based capital ratio | 22.4830% | 1,079 |
| Total risk-based capital ratio | 23.7333% | 1,063 |
| Memoranda: | ||
| Average total assets | $104,385,000 | 4,346 |
| Average earning assets | $101,053,670 | 4,248 |
| Average equity | $19,778,330 | 3,224 |
| Average total loans | $84,435,670 | 3,734 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1484% | 452 |
| Cost of funding earning assets | 0.6055% | 1,301 |
| Net interest margin | 4.5430% | 563 |
| Noninterest income to average assets | 0.2600% | 4,874 |
| Noninterest expense to average assets | 1.0633% | 6,064 |
| Loan and lease loss provision to assets | 0.6403% | 169 |
| Net operating income to assets | 2.9532% | 103 |
| Return on assets (ROA) | 2.9532% | 102 |
| Pretax return on assets | 2.9532% | 136 |
| Return on Equity (ROE) | 15.5445% | 595 |
| Retained earnings to average equity (ytd only) | 15.5445% | 217 |
| Net charge-offs to loans | 0.4445% | 511 |
| Credit loss provision to net charge-offs | 179.3478% | 1,153 |
| Earnings coverage of net charge-offs (x) | 10.0652% | 1,947 |
| Efficiency ratio | 22.8333% | 6,098 |
| Assets per employee ($millions) | 10.4478% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 3,030 |
| Loan loss allowance to noncurrent loans | 63.8690% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.8234% | 1,009 |
| Noncurrent loans to loans | 1.9960% | 1,079 |
| Net loans and leases to total assets | 79.5354% | 883 |
| Net loans and leases to deposits | 103.2774% | 447 |
| Net loans and leases to core deposits | 132.3812% | 237 |
| Total domestic deposits to total assets | 77.0114% | 5,286 |
| Equity capital to assets | 19.1093% | 252 |
| Core capital (leverage) ratio | 18.3077% | 273 |
| Tier 1 risk-based capital ratio | 23.3416% | 982 |
| Total risk-based capital ratio | 24.5916% | 971 |
| Memoranda: | ||
| Average total assets | $103,073,500 | 4,408 |
| Average earning assets | $99,758,500 | 4,305 |
| Average equity | $19,582,500 | 3,247 |
| Average total loans | $82,784,500 | 3,787 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1851% | 440 |
| Cost of funding earning assets | 0.5908% | 1,431 |
| Net interest margin | 4.5943% | 554 |
| Noninterest income to average assets | 0.4014% | 4,026 |
| Noninterest expense to average assets | 1.0086% | 6,121 |
| Loan and lease loss provision to assets | 0.6365% | 162 |
| Net operating income to assets | 3.0290% | 83 |
| Return on assets (ROA) | 3.0290% | 84 |
| Pretax return on assets | 3.2115% | 105 |
| Return on Equity (ROE) | 16.3601% | 519 |
| Retained earnings to average equity (ytd only) | 9.1689% | 620 |
| Net charge-offs to loans | 0.7899% | 284 |
| Credit loss provision to net charge-offs | 101.4469% | 2,469 |
| Earnings coverage of net charge-offs (x) | 6.1334% | 3,271 |
| Efficiency ratio | 20.7684% | 6,163 |
| Assets per employee ($millions) | 10.1669% | 258 |
| Cash dividends to net income (ytd only)* | 43.9560% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 3,304 |
| Loan loss allowance to noncurrent loans | 54.2888% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.9396% | 925 |
| Noncurrent loans to loans | 2.2629% | 861 |
| Net loans and leases to total assets | 79.0792% | 975 |
| Net loans and leases to deposits | 99.8584% | 683 |
| Net loans and leases to core deposits | 125.8890% | 339 |
| Total domestic deposits to total assets | 79.1913% | 4,939 |
| Equity capital to assets | 18.8848% | 257 |
| Core capital (leverage) ratio | 17.6675% | 300 |
| Tier 1 risk-based capital ratio | 23.2157% | 989 |
| Total risk-based capital ratio | 24.4649% | 976 |
| Memoranda: | ||
| Average total assets | $99,143,000 | 4,474 |
| Average earning assets | $96,140,200 | 4,389 |
| Average equity | $18,355,600 | 3,335 |
| Average total loans | $78,744,200 | 3,870 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1437% | 478 |
| Cost of funding earning assets | 0.5904% | 1,467 |
| Net interest margin | 4.5532% | 585 |
| Noninterest income to average assets | 0.3235% | 4,626 |
| Noninterest expense to average assets | 1.0340% | 6,205 |
| Loan and lease loss provision to assets | 0.6375% | 134 |
| Net operating income to assets | 2.8761% | 98 |
| Return on assets (ROA) | 2.8761% | 98 |
| Pretax return on assets | 3.0669% | 115 |
| Return on Equity (ROE) | 15.6150% | 647 |
| Retained earnings to average equity (ytd only) | 8.3403% | 1,115 |
| Net charge-offs to loans | 0.7667% | 272 |
| Credit loss provision to net charge-offs | 104.8998% | 2,187 |
| Earnings coverage of net charge-offs (x) | 6.0958% | 3,104 |
| Efficiency ratio | 21.8223% | 6,248 |
| Assets per employee ($millions) | 10.1754% | 251 |
| Cash dividends to net income (ytd only)* | 46.5884% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 3,429 |
| Loan loss allowance to noncurrent loans | 46.1503% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 2.3242% | 783 |
| Noncurrent loans to loans | 2.6870% | 720 |
| Net loans and leases to total assets | 79.2853% | 910 |
| Net loans and leases to deposits | 102.3989% | 525 |
| Net loans and leases to core deposits | 129.8315% | 279 |
| Total domestic deposits to total assets | 77.4279% | 5,277 |
| Equity capital to assets | 18.3187% | 316 |
| Core capital (leverage) ratio | 17.4862% | 334 |
| Tier 1 risk-based capital ratio | 21.9587% | 1,201 |
| Total risk-based capital ratio | 23.2093% | 1,180 |
| Memoranda: | ||
| Average total assets | $98,511,500 | 4,540 |
| Average earning assets | $95,519,250 | 4,450 |
| Average equity | $18,144,500 | 3,389 |
| Average total loans | $78,080,500 | 3,921 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1242% | 478 |
| Cost of funding earning assets | 0.5990% | 1,421 |
| Net interest margin | 4.5252% | 608 |
| Noninterest income to average assets | 0.3366% | 4,548 |
| Noninterest expense to average assets | 1.0592% | 6,281 |
| Loan and lease loss provision to assets | 0.6384% | 136 |
| Net operating income to assets | 2.8246% | 107 |
| Return on assets (ROA) | 2.8246% | 109 |
| Pretax return on assets | 3.0278% | 135 |
| Return on Equity (ROE) | 15.3065% | 694 |
| Retained earnings to average equity (ytd only) | 7.9647% | 1,285 |
| Net charge-offs to loans | 0.8403% | 245 |
| Credit loss provision to net charge-offs | 96.2848% | 2,126 |
| Earnings coverage of net charge-offs (x) | 5.5294% | 2,913 |
| Efficiency ratio | 22.4153% | 6,320 |
| Assets per employee ($millions) | 9.8124% | 275 |
| Cash dividends to net income (ytd only)* | 47.9651% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 3,489 |
| Loan loss allowance to noncurrent loans | 38.4676% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 2.7791% | 635 |
| Noncurrent loans to loans | 3.2573% | 572 |
| Net loans and leases to total assets | 78.6281% | 991 |
| Net loans and leases to deposits | 96.7630% | 891 |
| Net loans and leases to core deposits | 118.9678% | 496 |
| Total domestic deposits to total assets | 81.2584% | 4,531 |
| Equity capital to assets | 18.4919% | 297 |
| Core capital (leverage) ratio | 17.3212% | 343 |
| Tier 1 risk-based capital ratio | 22.6553% | 1,120 |
| Total risk-based capital ratio | 23.9047% | 1,102 |
| Memoranda: | ||
| Average total assets | $97,430,670 | 4,604 |
| Average earning assets | $94,493,670 | 4,511 |
| Average equity | $17,979,330 | 3,426 |
| Average total loans | $76,877,670 | 3,980 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0891% | 489 |
| Cost of funding earning assets | 0.6292% | 1,236 |
| Net interest margin | 4.4599% | 653 |
| Noninterest income to average assets | 0.3214% | 4,621 |
| Noninterest expense to average assets | 1.1742% | 6,328 |
| Loan and lease loss provision to assets | 0.7334% | 116 |
| Net operating income to assets | 2.7358% | 106 |
| Return on assets (ROA) | 2.7358% | 119 |
| Pretax return on assets | 2.7358% | 178 |
| Return on Equity (ROE) | 14.8409% | 735 |
| Retained earnings to average equity (ytd only) | 14.8409% | 298 |
| Net charge-offs to loans | 1.3587% | 149 |
| Credit loss provision to net charge-offs | 68.7259% | 1,927 |
| Earnings coverage of net charge-offs (x) | 3.2510% | 2,633 |
| Efficiency ratio | 25.2884% | 6,387 |
| Assets per employee ($millions) | 10.8133% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 4,069 |
| Loan loss allowance to noncurrent loans | 37.6344% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 2.6665% | 767 |
| Noncurrent loans to loans | 3.1419% | 662 |
| Net loans and leases to total assets | 78.1453% | 902 |
| Net loans and leases to deposits | 96.4735% | 800 |
| Net loans and leases to core deposits | 120.2178% | 408 |
| Total domestic deposits to total assets | 81.0018% | 4,820 |
| Equity capital to assets | 18.7474% | 277 |
| Core capital (leverage) ratio | 17.5330% | 319 |
| Tier 1 risk-based capital ratio | 22.3637% | 1,188 |
| Total risk-based capital ratio | 23.5474% | 1,188 |
| Memoranda: | ||
| Average total assets | $97,084,000 | 4,645 |
| Average earning assets | $94,083,500 | 4,546 |
| Average equity | $17,896,500 | 3,464 |
| Average total loans | $76,250,500 | 4,013 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 484 |
| Cost of funding earning assets | 0.6547% | 1,377 |
| Net interest margin | 4.5859% | 631 |
| Noninterest income to average assets | 0.3108% | 4,897 |
| Noninterest expense to average assets | 1.0469% | 6,440 |
| Loan and lease loss provision to assets | 0.5513% | 267 |
| Net operating income to assets | 2.9422% | 99 |
| Return on assets (ROA) | 2.9422% | 98 |
| Pretax return on assets | 3.1186% | 102 |
| Return on Equity (ROE) | 16.8002% | 512 |
| Retained earnings to average equity (ytd only) | 9.8451% | 543 |
| Net charge-offs to loans | 0.2513% | 1,705 |
| Credit loss provision to net charge-offs | 285.3261% | 893 |
| Earnings coverage of net charge-offs (x) | 18.9946% | 1,808 |
| Efficiency ratio | 22.1950% | 6,486 |
| Assets per employee ($millions) | 9.6848% | 277 |
| Cash dividends to net income (ytd only)* | 41.3990% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 3,355 |
| Loan loss allowance to noncurrent loans | 37.6234% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 2.8467% | 749 |
| Noncurrent loans to loans | 3.4869% | 589 |
| Net loans and leases to total assets | 76.9753% | 1,132 |
| Net loans and leases to deposits | 94.3085% | 1,049 |
| Net loans and leases to core deposits | 121.2613% | 383 |
| Total domestic deposits to total assets | 81.6207% | 4,563 |
| Equity capital to assets | 18.1191% | 309 |
| Core capital (leverage) ratio | 16.9788% | 371 |
| Tier 1 risk-based capital ratio | 21.8551% | 1,244 |
| Total risk-based capital ratio | 23.1654% | 1,214 |
| Memoranda: | ||
| Average total assets | $95,235,600 | 4,713 |
| Average earning assets | $91,498,000 | 4,616 |
| Average equity | $16,678,400 | 3,579 |
| Average total loans | $73,229,400 | 4,088 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2609% | 464 |
| Cost of funding earning assets | 0.6763% | 1,284 |
| Net interest margin | 4.5846% | 638 |
| Noninterest income to average assets | 0.3107% | 4,956 |
| Noninterest expense to average assets | 1.0868% | 6,509 |
| Loan and lease loss provision to assets | 0.4921% | 308 |
| Net operating income to assets | 2.9441% | 98 |
| Return on assets (ROA) | 2.9441% | 98 |
| Pretax return on assets | 3.1254% | 104 |
| Return on Equity (ROE) | 16.9609% | 553 |
| Retained earnings to average equity (ytd only) | 10.5216% | 588 |
| Net charge-offs to loans | 0.3157% | 1,263 |
| Credit loss provision to net charge-offs | 203.4884% | 1,248 |
| Earnings coverage of net charge-offs (x) | 14.9591% | 2,095 |
| Efficiency ratio | 23.1022% | 6,563 |
| Assets per employee ($millions) | 9.4290% | 287 |
| Cash dividends to net income (ytd only)* | 37.9655% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 4,630 |
| Loan loss allowance to noncurrent loans | 52.3719% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.8199% | 1,623 |
| Noncurrent loans to loans | 2.1520% | 1,427 |
| Net loans and leases to total assets | 77.0379% | 1,087 |
| Net loans and leases to deposits | 98.4175% | 707 |
| Net loans and leases to core deposits | 119.0276% | 417 |
| Total domestic deposits to total assets | 78.2766% | 5,470 |
| Equity capital to assets | 18.2861% | 318 |
| Core capital (leverage) ratio | 16.9902% | 374 |
| Tier 1 risk-based capital ratio | 22.0258% | 1,257 |
| Total risk-based capital ratio | 23.1526% | 1,259 |
| Memoranda: | ||
| Average total assets | $94,832,500 | 4,775 |
| Average earning assets | $90,882,000 | 4,678 |
| Average equity | $16,461,000 | 3,621 |
| Average total loans | $72,651,750 | 4,133 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2054% | 504 |
| Cost of funding earning assets | 0.7160% | 1,111 |
| Net interest margin | 4.4894% | 721 |
| Noninterest income to average assets | 0.3031% | 4,984 |
| Noninterest expense to average assets | 1.0504% | 6,585 |
| Loan and lease loss provision to assets | 0.4526% | 355 |
| Net operating income to assets | 2.9133% | 98 |
| Return on assets (ROA) | 2.9133% | 101 |
| Pretax return on assets | 3.1027% | 108 |
| Return on Equity (ROE) | 17.0857% | 544 |
| Retained earnings to average equity (ytd only) | 10.5428% | 606 |
| Net charge-offs to loans | 0.3150% | 1,280 |
| Credit loss provision to net charge-offs | 188.5965% | 1,224 |
| Earnings coverage of net charge-offs (x) | 14.8158% | 1,892 |
| Efficiency ratio | 22.8062% | 6,633 |
| Assets per employee ($millions) | 9.5695% | 270 |
| Cash dividends to net income (ytd only)* | 38.2948% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 5,255 |
| Loan loss allowance to noncurrent loans | 70.4503% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.2979% | 2,519 |
| Noncurrent loans to loans | 1.4515% | 2,378 |
| Net loans and leases to total assets | 75.9611% | 1,175 |
| Net loans and leases to deposits | 92.3412% | 1,113 |
| Net loans and leases to core deposits | 110.1813% | 690 |
| Total domestic deposits to total assets | 82.2614% | 4,564 |
| Equity capital to assets | 17.4764% | 366 |
| Core capital (leverage) ratio | 16.4600% | 414 |
| Tier 1 risk-based capital ratio | 21.3498% | 1,374 |
| Total risk-based capital ratio | 22.3684% | 1,398 |
| Memoranda: | ||
| Average total assets | $95,013,330 | 4,795 |
| Average earning assets | $91,059,330 | 4,701 |
| Average equity | $16,200,670 | 3,658 |
| Average total loans | $72,380,000 | 4,150 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2078% | 477 |
| Cost of funding earning assets | 0.7131% | 1,169 |
| Net interest margin | 4.4946% | 666 |
| Noninterest income to average assets | 0.3000% | 4,959 |
| Noninterest expense to average assets | 1.0647% | 6,666 |
| Loan and lease loss provision to assets | 0.4859% | 315 |
| Net operating income to assets | 3.0632% | 97 |
| Return on assets (ROA) | 3.0632% | 99 |
| Pretax return on assets | 3.0632% | 135 |
| Return on Equity (ROE) | 18.1944% | 428 |
| Retained earnings to average equity (ytd only) | 18.1944% | 173 |
| Net charge-offs to loans | 0.5456% | 675 |
| Credit loss provision to net charge-offs | 117.3469% | 1,481 |
| Earnings coverage of net charge-offs (x) | 8.5714% | 2,008 |
| Efficiency ratio | 23.0769% | 6,702 |
| Assets per employee ($millions) | 8.6587% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 5,761 |
| Loan loss allowance to noncurrent loans | 83.5840% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.0090% | 3,243 |
| Noncurrent loans to loans | 1.1176% | 3,189 |
| Net loans and leases to total assets | 74.2666% | 1,231 |
| Net loans and leases to deposits | 89.9766% | 1,153 |
| Net loans and leases to core deposits | 109.5290% | 604 |
| Total domestic deposits to total assets | 82.5399% | 4,774 |
| Equity capital to assets | 17.2039% | 377 |
| Core capital (leverage) ratio | 16.5551% | 411 |
| Tier 1 risk-based capital ratio | 21.7475% | 1,332 |
| Total risk-based capital ratio | 22.6767% | 1,366 |
| Memoranda: | ||
| Average total assets | $94,672,500 | 4,849 |
| Average earning assets | $90,864,500 | 4,751 |
| Average equity | $15,939,000 | 3,710 |
| Average total loans | $71,849,000 | 4,207 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5659% | 327 |
| Cost of funding earning assets | 0.6716% | 2,029 |
| Net interest margin | 4.8944% | 366 |
| Noninterest income to average assets | 0.3574% | 4,744 |
| Noninterest expense to average assets | 1.1818% | 6,718 |
| Loan and lease loss provision to assets | 0.4517% | 638 |
| Net operating income to assets | 3.2472% | 90 |
| Return on assets (ROA) | 3.2472% | 90 |
| Pretax return on assets | 3.4138% | 90 |
| Return on Equity (ROE) | 19.9391% | 278 |
| Retained earnings to average equity (ytd only) | 13.2412% | 235 |
| Net charge-offs to loans | 0.5275% | 1,259 |
| Credit loss provision to net charge-offs | 110.1604% | 2,183 |
| Earnings coverage of net charge-offs (x) | 9.4278% | 2,504 |
| Efficiency ratio | 23.4144% | 6,787 |
| Assets per employee ($millions) | 8.5545% | 385 |
| Cash dividends to net income (ytd only)* | 33.5922% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 5,933 |
| Loan loss allowance to noncurrent loans | 75.1445% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.0340% | 3,359 |
| Noncurrent loans to loans | 1.1965% | 3,150 |
| Net loans and leases to total assets | 76.1379% | 1,053 |
| Net loans and leases to deposits | 91.4364% | 1,116 |
| Net loans and leases to core deposits | 111.8981% | 543 |
| Total domestic deposits to total assets | 83.2687% | 4,441 |
| Equity capital to assets | 16.4635% | 449 |
| Core capital (leverage) ratio | 15.8217% | 488 |
| Tier 1 risk-based capital ratio | 20.4551% | 1,546 |
| Total risk-based capital ratio | 21.3482% | 1,602 |
| Memoranda: | ||
| Average total assets | $91,217,400 | 4,946 |
| Average earning assets | $87,406,600 | 4,843 |
| Average equity | $14,855,200 | 3,894 |
| Average total loans | $70,896,200 | 4,235 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5817% | 329 |
| Cost of funding earning assets | 0.6614% | 2,255 |
| Net interest margin | 4.9203% | 358 |
| Noninterest income to average assets | 0.3698% | 4,750 |
| Noninterest expense to average assets | 0.9812% | 6,833 |
| Loan and lease loss provision to assets | 0.5628% | 459 |
| Net operating income to assets | 3.3680% | 87 |
| Return on assets (ROA) | 3.3680% | 88 |
| Pretax return on assets | 3.5389% | 94 |
| Return on Equity (ROE) | 20.7398% | 262 |
| Retained earnings to average equity (ytd only) | 14.4344% | 231 |
| Net charge-offs to loans | 0.6294% | 978 |
| Credit loss provision to net charge-offs | 114.7147% | 2,051 |
| Earnings coverage of net charge-offs (x) | 8.3603% | 2,634 |
| Efficiency ratio | 19.3043% | 6,871 |
| Assets per employee ($millions) | 8.3393% | 403 |
| Cash dividends to net income (ytd only)* | 30.4024% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 6,011 |
| Loan loss allowance to noncurrent loans | 84.9614% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 0.9037% | 3,872 |
| Noncurrent loans to loans | 1.0811% | 3,637 |
| Net loans and leases to total assets | 77.7308% | 779 |
| Net loans and leases to deposits | 94.6643% | 777 |
| Net loans and leases to core deposits | 121.1314% | 303 |
| Total domestic deposits to total assets | 82.1120% | 4,884 |
| Equity capital to assets | 16.5308% | 470 |
| Core capital (leverage) ratio | 15.7123% | 534 |
| Tier 1 risk-based capital ratio | 20.1159% | 1,709 |
| Total risk-based capital ratio | 21.0323% | 1,752 |
| Memoranda: | ||
| Average total assets | $90,497,000 | 5,025 |
| Average earning assets | $86,686,250 | 4,909 |
| Average equity | $14,696,000 | 3,970 |
| Average total loans | $70,546,500 | 4,280 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5622% | 347 |
| Cost of funding earning assets | 0.6521% | 2,473 |
| Net interest margin | 4.9101% | 360 |
| Noninterest income to average assets | 0.3752% | 4,710 |
| Noninterest expense to average assets | 0.9391% | 6,886 |
| Loan and lease loss provision to assets | 0.4662% | 612 |
| Net operating income to assets | 3.4900% | 80 |
| Return on assets (ROA) | 3.4900% | 84 |
| Pretax return on assets | 3.6676% | 98 |
| Return on Equity (ROE) | 21.6231% | 220 |
| Retained earnings to average equity (ytd only) | 15.3645% | 217 |
| Net charge-offs to loans | 0.9362% | 659 |
| Credit loss provision to net charge-offs | 64.0244% | 2,946 |
| Earnings coverage of net charge-offs (x) | 5.6768% | 2,847 |
| Efficiency ratio | 18.5120% | 6,919 |
| Assets per employee ($millions) | 8.3333% | 407 |
| Cash dividends to net income (ytd only)* | 28.9440% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6814% | 6,522 |
| Loan loss allowance to noncurrent loans | 58.0494% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0091% | 3,738 |
| Noncurrent loans to loans | 1.1738% | 3,595 |
| Net loans and leases to total assets | 78.5548% | 689 |
| Net loans and leases to deposits | 93.8998% | 818 |
| Net loans and leases to core deposits | 115.9456% | 389 |
| Total domestic deposits to total assets | 83.6581% | 4,468 |
| Equity capital to assets | 16.0670% | 516 |
| Core capital (leverage) ratio | 15.2878% | 561 |
| Tier 1 risk-based capital ratio | 19.4299% | 1,873 |
| Total risk-based capital ratio | 20.1138% | 1,990 |
| Memoranda: | ||
| Average total assets | $90,085,330 | 5,061 |
| Average earning assets | $86,189,000 | 4,947 |
| Average equity | $14,540,000 | 4,039 |
| Average total loans | $70,073,670 | 4,306 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5586% | 337 |
| Cost of funding earning assets | 0.6589% | 2,570 |
| Net interest margin | 4.8996% | 337 |
| Noninterest income to average assets | 0.3897% | 4,538 |
| Noninterest expense to average assets | 1.0213% | 6,957 |
| Loan and lease loss provision to assets | 0.9407% | 198 |
| Net operating income to assets | 3.0506% | 102 |
| Return on assets (ROA) | 3.0506% | 108 |
| Pretax return on assets | 3.0909% | 146 |
| Return on Equity (ROE) | 18.8564% | 367 |
| Retained earnings to average equity (ytd only) | 18.8564% | 172 |
| Net charge-offs to loans | 0.5228% | 1,149 |
| Credit loss provision to net charge-offs | 233.3333% | 973 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,783 |
| Efficiency ratio | 20.2128% | 6,995 |
| Assets per employee ($millions) | 8.1876% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 5,716 |
| Loan loss allowance to noncurrent loans | 59.6091% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.4301% | 3,120 |
| Noncurrent loans to loans | 1.7943% | 2,868 |
| Net loans and leases to total assets | 75.1777% | 940 |
| Net loans and leases to deposits | 90.1956% | 951 |
| Net loans and leases to core deposits | 111.7478% | 440 |
| Total domestic deposits to total assets | 83.3496% | 4,733 |
| Equity capital to assets | 16.3672% | 507 |
| Core capital (leverage) ratio | 15.3340% | 538 |
| Tier 1 risk-based capital ratio | 19.8842% | 1,806 |
| Total risk-based capital ratio | 20.9544% | 1,823 |
| Memoranda: | ||
| Average total assets | $89,295,000 | 5,116 |
| Average earning assets | $84,986,000 | 5,013 |
| Average equity | $14,446,000 | 4,101 |
| Average total loans | $68,859,500 | 4,382 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8728% | 329 |
| Cost of funding earning assets | 0.8159% | 2,536 |
| Net interest margin | 5.0569% | 346 |
| Noninterest income to average assets | 0.2974% | 5,336 |
| Noninterest expense to average assets | 1.0402% | 7,007 |
| Loan and lease loss provision to assets | 0.4114% | 1,564 |
| Net operating income to assets | 3.4463% | 80 |
| Return on assets (ROA) | 3.4463% | 81 |
| Pretax return on assets | 3.5885% | 94 |
| Return on Equity (ROE) | 22.2094% | 209 |
| Retained earnings to average equity (ytd only) | 12.2788% | 301 |
| Net charge-offs to loans | 0.7926% | 1,479 |
| Credit loss provision to net charge-offs | 67.3077% | 4,237 |
| Earnings coverage of net charge-offs (x) | 6.5442% | 2,795 |
| Efficiency ratio | 20.6390% | 7,052 |
| Assets per employee ($millions) | 8.0478% | 493 |
| Cash dividends to net income (ytd only)* | 44.7135% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 6,300 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 2.0130% | 2,437 |
| Noncurrent loans to loans | 2.2085% | 2,449 |
| Net loans and leases to total assets | 77.5670% | 724 |
| Net loans and leases to deposits | 92.6505% | 858 |
| Net loans and leases to core deposits | 113.7813% | 423 |
| Total domestic deposits to total assets | 83.7200% | 4,429 |
| Equity capital to assets | 15.9851% | 556 |
| Core capital (leverage) ratio | 14.6507% | 642 |
| Tier 1 risk-based capital ratio | 18.7853% | 2,016 |
| Total risk-based capital ratio | 19.6752% | 2,092 |
| Memoranda: | ||
| Average total assets | $85,076,200 | 5,218 |
| Average earning assets | $79,791,200 | 5,130 |
| Average equity | $13,201,600 | 4,314 |
| Average total loans | $65,607,800 | 4,525 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8917% | 338 |
| Cost of funding earning assets | 0.8458% | 2,581 |
| Net interest margin | 5.0459% | 374 |
| Noninterest income to average assets | 0.3040% | 5,352 |
| Noninterest expense to average assets | 1.0481% | 7,109 |
| Loan and lease loss provision to assets | 0.5541% | 1,039 |
| Net operating income to assets | 3.2868% | 84 |
| Return on assets (ROA) | 3.2868% | 87 |
| Pretax return on assets | 3.4245% | 111 |
| Return on Equity (ROE) | 21.3505% | 270 |
| Retained earnings to average equity (ytd only) | 10.9529% | 691 |
| Net charge-offs to loans | 0.7626% | 1,447 |
| Credit loss provision to net charge-offs | 94.5946% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.7919% | 2,709 |
| Efficiency ratio | 20.8504% | 7,150 |
| Assets per employee ($millions) | 8.6541% | 375 |
| Cash dividends to net income (ytd only)* | 48.6996% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 5,619 |
| Loan loss allowance to noncurrent loans | 51.9427% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 1.9401% | 2,729 |
| Noncurrent loans to loans | 2.1639% | 2,661 |
| Net loans and leases to total assets | 77.4581% | 797 |
| Net loans and leases to deposits | 98.0703% | 537 |
| Net loans and leases to core deposits | 119.7189% | 316 |
| Total domestic deposits to total assets | 78.9822% | 5,873 |
| Equity capital to assets | 15.6365% | 681 |
| Core capital (leverage) ratio | 14.2437% | 762 |
| Tier 1 risk-based capital ratio | 18.2012% | 2,265 |
| Total risk-based capital ratio | 19.3231% | 2,282 |
| Memoranda: | ||
| Average total assets | $84,213,750 | 5,293 |
| Average earning assets | $78,820,750 | 5,212 |
| Average equity | $12,964,250 | 4,404 |
| Average total loans | $64,690,000 | 4,599 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9255% | 333 |
| Cost of funding earning assets | 0.8977% | 2,418 |
| Net interest margin | 5.0278% | 384 |
| Noninterest income to average assets | 0.2972% | 5,427 |
| Noninterest expense to average assets | 1.0667% | 7,176 |
| Loan and lease loss provision to assets | 0.3595% | 1,840 |
| Net operating income to assets | 3.4133% | 78 |
| Return on assets (ROA) | 3.4133% | 79 |
| Pretax return on assets | 3.5428% | 104 |
| Return on Equity (ROE) | 22.2935% | 241 |
| Retained earnings to average equity (ytd only) | 9.5186% | 1,108 |
| Net charge-offs to loans | 0.2168% | 3,279 |
| Credit loss provision to net charge-offs | 217.3913% | 1,304 |
| Earnings coverage of net charge-offs (x) | 23.5942% | 1,250 |
| Efficiency ratio | 21.4665% | 7,207 |
| Assets per employee ($millions) | 7.7242% | 528 |
| Cash dividends to net income (ytd only)* | 57.3034% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 4,865 |
| Loan loss allowance to noncurrent loans | 50.9445% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.0185% | 2,754 |
| Noncurrent loans to loans | 2.5621% | 2,352 |
| Net loans and leases to total assets | 76.8001% | 865 |
| Net loans and leases to deposits | 93.5756% | 812 |
| Net loans and leases to core deposits | 113.2862% | 473 |
| Total domestic deposits to total assets | 82.0728% | 5,102 |
| Equity capital to assets | 15.2567% | 724 |
| Core capital (leverage) ratio | 14.0082% | 801 |
| Tier 1 risk-based capital ratio | 18.0605% | 2,273 |
| Total risk-based capital ratio | 19.3119% | 2,242 |
| Memoranda: | ||
| Average total assets | $83,438,000 | 5,337 |
| Average earning assets | $77,528,670 | 5,286 |
| Average equity | $12,775,000 | 4,436 |
| Average total loans | $63,655,000 | 4,648 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0415% | 294 |
| Cost of funding earning assets | 0.8246% | 3,283 |
| Net interest margin | 5.2169% | 290 |
| Noninterest income to average assets | 0.2903% | 5,544 |
| Noninterest expense to average assets | 1.1467% | 7,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 3.8222% | 69 |
| Return on assets (ROA) | 3.8222% | 75 |
| Pretax return on assets | 3.9190% | 93 |
| Return on Equity (ROE) | 24.9192% | 187 |
| Retained earnings to average equity (ytd only) | 24.9192% | 95 |
| Net charge-offs to loans | 0.0961% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 596 |
| Efficiency ratio | 22.6361% | 7,266 |
| Assets per employee ($millions) | 8.3457% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 5,412 |
| Loan loss allowance to noncurrent loans | 50.3281% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.8740% | 3,082 |
| Noncurrent loans to loans | 2.4154% | 2,689 |
| Net loans and leases to total assets | 74.6828% | 959 |
| Net loans and leases to deposits | 88.9130% | 1,065 |
| Net loans and leases to core deposits | 107.6532% | 623 |
| Total domestic deposits to total assets | 83.9954% | 4,492 |
| Equity capital to assets | 15.6895% | 619 |
| Core capital (leverage) ratio | 14.5003% | 689 |
| Tier 1 risk-based capital ratio | 19.1861% | 1,941 |
| Total risk-based capital ratio | 20.4035% | 1,915 |
| Memoranda: | ||
| Average total assets | $82,674,000 | 5,393 |
| Average earning assets | $75,676,500 | 5,377 |
| Average equity | $12,681,000 | 4,466 |
| Average total loans | $62,424,000 | 4,717 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1163% | 357 |
| Cost of funding earning assets | 0.9362% | 3,826 |
| Net interest margin | 5.1801% | 296 |
| Noninterest income to average assets | 0.3254% | 5,216 |
| Noninterest expense to average assets | 1.2238% | 7,263 |
| Loan and lease loss provision to assets | 0.7272% | 1,399 |
| Net operating income to assets | 3.0892% | 82 |
| Return on assets (ROA) | 3.0892% | 83 |
| Pretax return on assets | 3.2947% | 102 |
| Return on Equity (ROE) | 20.7038% | 236 |
| Retained earnings to average equity (ytd only) | 11.4335% | 355 |
| Net charge-offs to loans | 0.4775% | 3,081 |
| Credit loss provision to net charge-offs | 195.0530% | 1,305 |
| Earnings coverage of net charge-offs (x) | 10.7880% | 1,792 |
| Efficiency ratio | 23.3300% | 7,321 |
| Assets per employee ($millions) | 7.4446% | 590 |
| Cash dividends to net income (ytd only)* | 44.7761% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 5,085 |
| Loan loss allowance to noncurrent loans | 50.8122% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 1.9282% | 3,070 |
| Noncurrent loans to loans | 2.4922% | 2,631 |
| Net loans and leases to total assets | 74.4538% | 1,186 |
| Net loans and leases to deposits | 87.9077% | 1,390 |
| Net loans and leases to core deposits | 108.8846% | 659 |
| Total domestic deposits to total assets | 84.6955% | 4,003 |
| Equity capital to assets | 14.9809% | 789 |
| Core capital (leverage) ratio | 13.8463% | 861 |
| Tier 1 risk-based capital ratio | 18.2854% | 2,110 |
| Total risk-based capital ratio | 19.5510% | 2,069 |
| Memoranda: | ||
| Average total assets | $75,909,600 | 5,571 |
| Average earning assets | $72,102,400 | 5,470 |
| Average equity | $11,326,400 | 4,706 |
| Average total loans | $59,266,000 | 4,893 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2190% | 312 |
| Cost of funding earning assets | 0.9748% | 3,852 |
| Net interest margin | 5.2442% | 270 |
| Noninterest income to average assets | 0.3351% | 5,179 |
| Noninterest expense to average assets | 1.2255% | 7,334 |
| Loan and lease loss provision to assets | 0.2025% | 3,996 |
| Net operating income to assets | 3.7107% | 65 |
| Return on assets (ROA) | 3.7107% | 68 |
| Pretax return on assets | 3.9292% | 88 |
| Return on Equity (ROE) | 24.8964% | 131 |
| Retained earnings to average equity (ytd only) | 13.4761% | 335 |
| Net charge-offs to loans | 0.2797% | 3,683 |
| Credit loss provision to net charge-offs | 91.8699% | 3,713 |
| Earnings coverage of net charge-offs (x) | 18.7475% | 1,289 |
| Efficiency ratio | 22.8763% | 7,394 |
| Assets per employee ($millions) | 6.4230% | 983 |
| Cash dividends to net income (ytd only)* | 45.8718% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 6,770 |
| Loan loss allowance to noncurrent loans | 35.8262% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 1.8216% | 3,364 |
| Noncurrent loans to loans | 2.2984% | 2,997 |
| Net loans and leases to total assets | 78.6003% | 650 |
| Net loans and leases to deposits | 93.4475% | 885 |
| Net loans and leases to core deposits | 119.8528% | 387 |
| Total domestic deposits to total assets | 84.1118% | 4,180 |
| Equity capital to assets | 15.5379% | 716 |
| Core capital (leverage) ratio | 14.6072% | 748 |
| Tier 1 risk-based capital ratio | 18.4849% | 2,093 |
| Total risk-based capital ratio | 19.3224% | 2,188 |
| Memoranda: | ||
| Average total assets | $74,414,250 | 5,665 |
| Average earning assets | $71,263,750 | 5,536 |
| Average equity | $11,091,000 | 4,784 |
| Average total loans | $58,644,250 | 4,964 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2146% | 325 |
| Cost of funding earning assets | 1.0216% | 3,805 |
| Net interest margin | 5.1931% | 279 |
| Noninterest income to average assets | 0.3346% | 5,214 |
| Noninterest expense to average assets | 1.2186% | 7,418 |
| Loan and lease loss provision to assets | 0.3074% | 2,955 |
| Net operating income to assets | 3.5470% | 75 |
| Return on assets (ROA) | 3.5470% | 76 |
| Pretax return on assets | 3.7864% | 103 |
| Return on Equity (ROE) | 24.1571% | 157 |
| Retained earnings to average equity (ytd only) | 7.4843% | 1,664 |
| Net charge-offs to loans | 0.1349% | 4,397 |
| Credit loss provision to net charge-offs | 289.7436% | 1,057 |
| Earnings coverage of net charge-offs (x) | 38.5897% | 761 |
| Efficiency ratio | 22.9391% | 7,467 |
| Assets per employee ($millions) | 6.7823% | 813 |
| Cash dividends to net income (ytd only)* | 69.0184% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,355 |
| Loan loss allowance to noncurrent loans | 238.6179% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 6,305 |
| Noncurrent loans to loans | 0.4176% | 6,067 |
| Net loans and leases to total assets | 78.1784% | 755 |
| Net loans and leases to deposits | 94.9965% | 804 |
| Net loans and leases to core deposits | 105.7149% | 944 |
| Total domestic deposits to total assets | 82.2961% | 5,064 |
| Equity capital to assets | 14.7819% | 871 |
| Core capital (leverage) ratio | 13.8751% | 902 |
| Tier 1 risk-based capital ratio | 18.0108% | 2,170 |
| Total risk-based capital ratio | 19.0267% | 2,202 |
| Memoranda: | ||
| Average total assets | $73,527,000 | 5,733 |
| Average earning assets | $70,478,670 | 5,618 |
| Average equity | $10,796,000 | 4,848 |
| Average total loans | $57,830,670 | 5,051 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0885% | 410 |
| Cost of funding earning assets | 1.1158% | 3,412 |
| Net interest margin | 4.9726% | 403 |
| Noninterest income to average assets | 0.3288% | 5,278 |
| Noninterest expense to average assets | 1.3701% | 7,423 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 3.7212% | 83 |
| Return on assets (ROA) | 3.7212% | 85 |
| Pretax return on assets | 3.7212% | 111 |
| Return on Equity (ROE) | 25.4307% | 154 |
| Retained earnings to average equity (ytd only) | 25.4307% | 97 |
| Net charge-offs to loans | 0.2793% | 2,949 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 16.9750% | 1,239 |
| Efficiency ratio | 26.9107% | 7,504 |
| Assets per employee ($millions) | 6.6552% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 6,858 |
| Loan loss allowance to noncurrent loans | 248.9474% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 6,530 |
| Noncurrent loans to loans | 0.3341% | 6,327 |
| Net loans and leases to total assets | 77.0350% | 871 |
| Net loans and leases to deposits | 91.3664% | 1,074 |
| Net loans and leases to core deposits | 99.2468% | 1,404 |
| Total domestic deposits to total assets | 84.3143% | 4,362 |
| Equity capital to assets | 15.1529% | 732 |
| Core capital (leverage) ratio | 14.4841% | 741 |
| Tier 1 risk-based capital ratio | 19.0927% | 1,780 |
| Total risk-based capital ratio | 19.9382% | 1,853 |
| Memoranda: | ||
| Average total assets | $72,988,000 | 5,786 |
| Average earning assets | $69,902,500 | 5,677 |
| Average equity | $10,680,000 | 4,873 |
| Average total loans | $57,290,000 | 5,121 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5096% | 314 |
| Cost of funding earning assets | 1.4798% | 2,764 |
| Net interest margin | 5.0298% | 401 |
| Noninterest income to average assets | 0.3347% | 5,393 |
| Noninterest expense to average assets | 1.1592% | 7,554 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 3.7729% | 45 |
| Return on assets (ROA) | 3.7025% | 48 |
| Pretax return on assets | 3.8934% | 73 |
| Return on Equity (ROE) | 22.9406% | 145 |
| Retained earnings to average equity (ytd only) | -8.1616% | 6,547 |
| Net charge-offs to loans | 0.0722% | 6,076 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 69.6500% | 350 |
| Efficiency ratio | 22.6111% | 7,616 |
| Assets per employee ($millions) | 6.6154% | 897 |
| Cash dividends to net income (ytd only)* | 135.5769% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 6,755 |
| Loan loss allowance to noncurrent loans | 65.0190% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 4,839 |
| Noncurrent loans to loans | 1.3671% | 4,434 |
| Net loans and leases to total assets | 78.6035% | 861 |
| Net loans and leases to deposits | 93.1246% | 1,134 |
| Net loans and leases to core deposits | 102.0846% | 1,447 |
| Total domestic deposits to total assets | 84.4068% | 4,172 |
| Equity capital to assets | 14.1090% | 1,001 |
| Core capital (leverage) ratio | 13.4328% | 992 |
| Tier 1 risk-based capital ratio | 17.7314% | 2,082 |
| Total risk-based capital ratio | 18.6408% | 2,177 |
| Memoranda: | ||
| Average total assets | $70,222,000 | 5,883 |
| Average earning assets | $66,901,600 | 5,772 |
| Average equity | $11,333,600 | 4,782 |
| Average total loans | $55,404,800 | 5,261 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5326% | 321 |
| Cost of funding earning assets | 1.5400% | 2,723 |
| Net interest margin | 4.9925% | 448 |
| Noninterest income to average assets | 0.3372% | 5,463 |
| Noninterest expense to average assets | 1.1630% | 7,671 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 3.7199% | 46 |
| Return on assets (ROA) | 3.6252% | 51 |
| Pretax return on assets | 3.8264% | 79 |
| Return on Equity (ROE) | 21.7461% | 208 |
| Retained earnings to average equity (ytd only) | 4.2182% | 3,520 |
| Net charge-offs to loans | 0.0851% | 5,681 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 58.5372% | 494 |
| Efficiency ratio | 22.8539% | 7,716 |
| Assets per employee ($millions) | 6.4439% | 997 |
| Cash dividends to net income (ytd only)* | 80.6026% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 6,728 |
| Loan loss allowance to noncurrent loans | 39.4516% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 1.8523% | 3,677 |
| Noncurrent loans to loans | 2.2959% | 3,342 |
| Net loans and leases to total assets | 79.9515% | 758 |
| Net loans and leases to deposits | 100.7556% | 605 |
| Net loans and leases to core deposits | 106.4723% | 1,287 |
| Total domestic deposits to total assets | 79.3519% | 5,915 |
| Equity capital to assets | 16.8884% | 527 |
| Core capital (leverage) ratio | 16.0632% | 552 |
| Tier 1 risk-based capital ratio | 20.2278% | 1,505 |
| Total risk-based capital ratio | 21.1555% | 1,538 |
| Memoranda: | ||
| Average total assets | $69,585,250 | 5,952 |
| Average earning assets | $66,230,750 | 5,857 |
| Average equity | $11,600,250 | 4,782 |
| Average total loans | $54,828,000 | 5,356 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5291% | 325 |
| Cost of funding earning assets | 1.6072% | 2,612 |
| Net interest margin | 4.9219% | 513 |
| Noninterest income to average assets | 0.3297% | 5,521 |
| Noninterest expense to average assets | 1.1164% | 7,752 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 3.6582% | 53 |
| Return on assets (ROA) | 3.5169% | 61 |
| Pretax return on assets | 3.7396% | 81 |
| Return on Equity (ROE) | 21.1908% | 247 |
| Retained earnings to average equity (ytd only) | -1.0282% | 5,975 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.2992% | 7,786 |
| Assets per employee ($millions) | 6.2745% | 1,063 |
| Cash dividends to net income (ytd only)* | 104.8520% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 6,380 |
| Loan loss allowance to noncurrent loans | 61.5813% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.3011% | 4,551 |
| Noncurrent loans to loans | 1.6306% | 4,264 |
| Net loans and leases to total assets | 78.9887% | 956 |
| Net loans and leases to deposits | 98.9312% | 799 |
| Net loans and leases to core deposits | 105.8890% | 1,457 |
| Total domestic deposits to total assets | 79.8421% | 5,775 |
| Equity capital to assets | 16.4010% | 611 |
| Core capital (leverage) ratio | 15.4783% | 636 |
| Tier 1 risk-based capital ratio | 20.0354% | 1,513 |
| Total risk-based capital ratio | 21.0548% | 1,515 |
| Memoranda: | ||
| Average total assets | $69,152,670 | 6,004 |
| Average earning assets | $65,706,330 | 5,906 |
| Average equity | $11,476,670 | 4,809 |
| Average total loans | $54,040,670 | 5,421 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4689% | 381 |
| Cost of funding earning assets | 1.6355% | 2,737 |
| Net interest margin | 4.8334% | 596 |
| Noninterest income to average assets | 0.3236% | 5,563 |
| Noninterest expense to average assets | 1.1095% | 7,854 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.7909% | 54 |
| Return on assets (ROA) | 3.7793% | 57 |
| Pretax return on assets | 3.7793% | 85 |
| Return on Equity (ROE) | 22.6395% | 247 |
| Retained earnings to average equity (ytd only) | 22.6395% | 139 |
| Net charge-offs to loans | 0.0149% | 5,374 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 328.0000% | 93 |
| Efficiency ratio | 22.6415% | 7,892 |
| Assets per employee ($millions) | 6.3055% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 6,404 |
| Loan loss allowance to noncurrent loans | 103.9623% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 5,622 |
| Noncurrent loans to loans | 0.9726% | 5,388 |
| Net loans and leases to total assets | 77.7728% | 1,193 |
| Net loans and leases to deposits | 96.5026% | 1,043 |
| Net loans and leases to core deposits | 106.6719% | 1,523 |
| Total domestic deposits to total assets | 80.5914% | 5,591 |
| Equity capital to assets | 17.1162% | 521 |
| Core capital (leverage) ratio | 16.6741% | 483 |
| Tier 1 risk-based capital ratio | 21.5632% | 1,259 |
| Total risk-based capital ratio | 22.5890% | 1,268 |
| Memoranda: | ||
| Average total assets | $69,219,000 | 6,067 |
| Average earning assets | $65,544,000 | 5,978 |
| Average equity | $11,555,000 | 4,833 |
| Average total loans | $53,525,500 | 5,514 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7422% | 419 |
| Cost of funding earning assets | 1.9608% | 3,147 |
| Net interest margin | 4.7814% | 718 |
| Noninterest income to average assets | 0.3480% | 5,608 |
| Noninterest expense to average assets | 1.1844% | 7,913 |
| Loan and lease loss provision to assets | 0.3053% | 4,992 |
| Net operating income to assets | 3.1723% | 50 |
| Return on assets (ROA) | 3.1121% | 56 |
| Pretax return on assets | 3.3013% | 75 |
| Return on Equity (ROE) | 19.4762% | 271 |
| Retained earnings to average equity (ytd only) | 10.1154% | 360 |
| Net charge-offs to loans | 0.0854% | 6,264 |
| Credit loss provision to net charge-offs | 465.1163% | 667 |
| Earnings coverage of net charge-offs (x) | 55.9302% | 473 |
| Efficiency ratio | 24.3948% | 7,964 |
| Assets per employee ($millions) | 6.9077% | 831 |
| Cash dividends to net income (ytd only)* | 48.0628% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 6,116 |
| Loan loss allowance to noncurrent loans | 93.0976% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.8599% | 5,386 |
| Noncurrent loans to loans | 1.1302% | 5,073 |
| Net loans and leases to total assets | 75.2827% | 1,970 |
| Net loans and leases to deposits | 92.5040% | 1,817 |
| Net loans and leases to core deposits | 114.6805% | 2,444 |
| Total domestic deposits to total assets | 81.3831% | 5,200 |
| Equity capital to assets | 16.2688% | 660 |
| Core capital (leverage) ratio | 16.0185% | 615 |
| Tier 1 risk-based capital ratio | 20.9321% | 1,307 |
| Total risk-based capital ratio | 21.9913% | 1,305 |
| Memoranda: | ||
| Average total assets | $65,519,400 | 6,153 |
| Average earning assets | $61,760,200 | 6,066 |
| Average equity | $10,469,200 | 5,174 |
| Average total loans | $50,369,000 | 5,653 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7886% | 430 |
| Cost of funding earning assets | 2.0252% | 3,232 |
| Net interest margin | 4.7634% | 732 |
| Noninterest income to average assets | 0.3486% | 5,711 |
| Noninterest expense to average assets | 1.2027% | 7,993 |
| Loan and lease loss provision to assets | 0.4126% | 3,848 |
| Net operating income to assets | 3.0147% | 62 |
| Return on assets (ROA) | 2.9418% | 71 |
| Pretax return on assets | 3.1481% | 96 |
| Return on Equity (ROE) | 18.5004% | 406 |
| Retained earnings to average equity (ytd only) | 8.3809% | 1,016 |
| Net charge-offs to loans | 0.0616% | 6,086 |
| Credit loss provision to net charge-offs | 869.5652% | 436 |
| Earnings coverage of net charge-offs (x) | 76.6854% | 444 |
| Efficiency ratio | 24.8402% | 8,036 |
| Assets per employee ($millions) | 8.2800% | 462 |
| Cash dividends to net income (ytd only)* | 54.6981% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 5,781 |
| Loan loss allowance to noncurrent loans | 55.0962% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.5700% | 4,005 |
| Noncurrent loans to loans | 1.9816% | 3,667 |
| Net loans and leases to total assets | 78.3650% | 1,509 |
| Net loans and leases to deposits | 97.4579% | 1,386 |
| Net loans and leases to core deposits | 123.7697% | 1,926 |
| Total domestic deposits to total assets | 80.4091% | 5,288 |
| Equity capital to assets | 16.5534% | 700 |
| Core capital (leverage) ratio | 15.9696% | 682 |
| Tier 1 risk-based capital ratio | 20.3744% | 1,485 |
| Total risk-based capital ratio | 21.4846% | 1,469 |
| Memoranda: | ||
| Average total assets | $64,630,000 | 6,223 |
| Average earning assets | $60,963,500 | 6,142 |
| Average equity | $10,277,000 | 5,265 |
| Average total loans | $49,822,250 | 5,730 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7787% | 470 |
| Cost of funding earning assets | 2.0824% | 3,351 |
| Net interest margin | 4.6962% | 803 |
| Noninterest income to average assets | 0.3370% | 5,816 |
| Noninterest expense to average assets | 1.1889% | 8,091 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 3.3233% | 45 |
| Return on assets (ROA) | 3.3233% | 49 |
| Pretax return on assets | 3.5604% | 68 |
| Return on Equity (ROE) | 21.1989% | 273 |
| Retained earnings to average equity (ytd only) | 7.6635% | 1,329 |
| Net charge-offs to loans | 0.0245% | 6,145 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 190.1667% | 217 |
| Efficiency ratio | 25.0329% | 8,124 |
| Assets per employee ($millions) | 6.4234% | 994 |
| Cash dividends to net income (ytd only)* | 63.8498% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 7,233 |
| Loan loss allowance to noncurrent loans | 56.7686% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 1.0695% | 4,826 |
| Noncurrent loans to loans | 1.3672% | 4,477 |
| Net loans and leases to total assets | 77.6178% | 1,834 |
| Net loans and leases to deposits | 96.0728% | 1,784 |
| Net loans and leases to core deposits | 119.9697% | 2,374 |
| Total domestic deposits to total assets | 80.7905% | 5,153 |
| Equity capital to assets | 16.1970% | 797 |
| Core capital (leverage) ratio | 15.8453% | 764 |
| Tier 1 risk-based capital ratio | 20.5804% | 1,467 |
| Total risk-based capital ratio | 21.3632% | 1,522 |
| Memoranda: | ||
| Average total assets | $64,093,330 | 6,299 |
| Average earning assets | $60,218,330 | 6,214 |
| Average equity | $10,047,670 | 5,351 |
| Average total loans | $48,935,670 | 5,812 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7965% | 482 |
| Cost of funding earning assets | 2.1424% | 3,451 |
| Net interest margin | 4.6541% | 856 |
| Noninterest income to average assets | 0.3061% | 5,993 |
| Noninterest expense to average assets | 1.1558% | 8,127 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 3.4800% | 44 |
| Return on assets (ROA) | 3.4800% | 52 |
| Pretax return on assets | 3.4800% | 82 |
| Return on Equity (ROE) | 22.5746% | 284 |
| Retained earnings to average equity (ytd only) | -0.9322% | 5,872 |
| Net charge-offs to loans | 0.0331% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 139.2500% | 314 |
| Efficiency ratio | 24.9326% | 8,170 |
| Assets per employee ($millions) | 6.4209% | 999 |
| Cash dividends to net income (ytd only)* | 104.1293% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 7,128 |
| Loan loss allowance to noncurrent loans | 119.4529% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 5,932 |
| Noncurrent loans to loans | 0.6769% | 5,712 |
| Net loans and leases to total assets | 75.0860% | 2,481 |
| Net loans and leases to deposits | 91.5777% | 2,675 |
| Net loans and leases to core deposits | 109.1560% | 3,546 |
| Total domestic deposits to total assets | 81.9916% | 4,548 |
| Equity capital to assets | 15.4994% | 966 |
| Core capital (leverage) ratio | 15.2245% | 918 |
| Tier 1 risk-based capital ratio | 20.2868% | 1,567 |
| Total risk-based capital ratio | 21.0966% | 1,602 |
| Memoranda: | ||
| Average total assets | $64,023,000 | 6,325 |
| Average earning assets | $59,560,000 | 6,279 |
| Average equity | $9,869,500 | 5,425 |
| Average total loans | $48,280,000 | 5,865 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5758% | 2,599 |
| Cost of funding earning assets | 2.5883% | 3,738 |
| Net interest margin | 3.9875% | 3,175 |
| Noninterest income to average assets | 0.3253% | 6,125 |
| Noninterest expense to average assets | 0.9714% | 8,213 |
| Loan and lease loss provision to assets | 0.1649% | 5,274 |
| Net operating income to assets | 2.8038% | 82 |
| Return on assets (ROA) | 2.9065% | 70 |
| Pretax return on assets | 3.0348% | 96 |
| Return on Equity (ROE) | 19.9401% | 377 |
| Retained earnings to average equity (ytd only) | 15.9059% | 74 |
| Net charge-offs to loans | 0.1115% | 5,158 |
| Credit loss provision to net charge-offs | 211.7647% | 2,282 |
| Earnings coverage of net charge-offs (x) | 39.7059% | 939 |
| Efficiency ratio | 23.9008% | 8,249 |
| Assets per employee ($millions) | 6.3837% | 942 |
| Cash dividends to net income (ytd only)* | 20.2312% | 4,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 7,005 |
| Loan loss allowance to noncurrent loans | 38.9764% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 1.5916% | 3,055 |
| Noncurrent loans to loans | 2.1187% | 2,606 |
| Net loans and leases to total assets | 74.5007% | 2,991 |
| Net loans and leases to deposits | 90.7493% | 3,324 |
| Net loans and leases to core deposits | 106.9727% | 4,081 |
| Total domestic deposits to total assets | 82.0950% | 4,161 |
| Equity capital to assets | 15.3312% | 1,080 |
| Core capital (leverage) ratio | 15.1978% | 983 |
| Tier 1 risk-based capital ratio | 20.4573% | 1,544 |
| Total risk-based capital ratio | 21.2781% | 1,580 |
| Memoranda: | ||
| Average total assets | $65,474,400 | 6,176 |
| Average earning assets | $61,391,800 | 6,115 |
| Average equity | $9,543,600 | 5,559 |
| Average total loans | $45,757,800 | 5,889 |