Home > Hometown Bank of Corbin, Inc. > Performance and Condition Ratios
Hometown Bank of Corbin, Inc., 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 | 4.2029% | 3,617 |
| Cost of funding earning assets | 1.0646% | 3,162 |
| Net interest margin | 3.1383% | 3,007 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 3.1520% | 877 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.5243% | 3,617 |
| Return on assets (ROA) | 0.5197% | 3,617 |
| Pretax return on assets | 0.6064% | 3,619 |
| Return on Equity (ROE) | 10.3500% | 2,392 |
| Retained earnings to average equity (ytd only) | 4.6211% | 2,748 |
| Net charge-offs to loans | 0.0846% | 1,014 |
| Credit loss provision to net charge-offs | 118.9394% | 1,684 |
| Earnings coverage of net charge-offs (x) | 14.0758% | 2,089 |
| Efficiency ratio | 82.5080% | 749 |
| Assets per employee ($millions) | 4.3540% | 4,018 |
| Cash dividends to net income (ytd only)* | 55.3633% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 3,765 |
| Loan loss allowance to noncurrent loans | 256.1837% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 2,208 |
| Noncurrent loans to loans | 0.3456% | 1,944 |
| Net loans and leases to total assets | 58.2600% | 3,014 |
| Net loans and leases to deposits | 68.9092% | 2,958 |
| Net loans and leases to core deposits | 76.5516% | 2,940 |
| Total domestic deposits to total assets | 84.5500% | 2,454 |
| Equity capital to assets | 5.5556% | 4,326 |
| Core capital (leverage) ratio | 8.4305% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1515% | 1,815 |
| Memoranda: | ||
| Average total assets | $278,049,400 | 2,537 |
| Average earning assets | $257,942,600 | 2,530 |
| Average equity | $13,957,800 | 3,347 |
| Average total loans | $155,969,800 | 2,624 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0873% | 3,685 |
| Cost of funding earning assets | 0.9386% | 3,182 |
| Net interest margin | 3.1487% | 3,027 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 3.0543% | 985 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.5708% | 3,622 |
| Return on assets (ROA) | 0.5647% | 3,623 |
| Pretax return on assets | 0.6659% | 3,612 |
| Return on Equity (ROE) | 11.5600% | 2,234 |
| Retained earnings to average equity (ytd only) | 5.6663% | 2,732 |
| Net charge-offs to loans | 0.0719% | 972 |
| Credit loss provision to net charge-offs | 106.0241% | 1,575 |
| Earnings coverage of net charge-offs (x) | 17.9639% | 1,884 |
| Efficiency ratio | 81.0233% | 803 |
| Assets per employee ($millions) | 4.4669% | 3,961 |
| Cash dividends to net income (ytd only)* | 50.9771% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 3,764 |
| Loan loss allowance to noncurrent loans | 248.6957% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 2,225 |
| Noncurrent loans to loans | 0.3576% | 1,947 |
| Net loans and leases to total assets | 57.5500% | 3,065 |
| Net loans and leases to deposits | 66.0064% | 3,125 |
| Net loans and leases to core deposits | 72.2167% | 3,094 |
| Total domestic deposits to total assets | 87.1800% | 1,832 |
| Equity capital to assets | 4.5128% | 4,332 |
| Core capital (leverage) ratio | 8.4516% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1307% | 1,845 |
| Memoranda: | ||
| Average total assets | $277,897,250 | 2,540 |
| Average earning assets | $257,832,250 | 2,537 |
| Average equity | $13,577,000 | 3,367 |
| Average total loans | $154,013,250 | 2,649 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,742 |
| Cost of funding earning assets | 0.7597% | 3,325 |
| Net interest margin | 3.2138% | 2,955 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 3.0372% | 981 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.6215% | 3,527 |
| Return on assets (ROA) | 0.6125% | 3,552 |
| Pretax return on assets | 0.7282% | 3,545 |
| Return on Equity (ROE) | 12.2300% | 2,087 |
| Retained earnings to average equity (ytd only) | 6.4865% | 2,452 |
| Net charge-offs to loans | 0.0395% | 1,126 |
| Credit loss provision to net charge-offs | 200.0000% | 1,046 |
| Earnings coverage of net charge-offs (x) | 36.2667% | 1,460 |
| Efficiency ratio | 79.5219% | 869 |
| Assets per employee ($millions) | 4.7721% | 3,773 |
| Cash dividends to net income (ytd only)* | 46.9484% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 3,694 |
| Loan loss allowance to noncurrent loans | 557.4713% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 2,888 |
| Noncurrent loans to loans | 0.1663% | 2,647 |
| Net loans and leases to total assets | 55.2400% | 3,170 |
| Net loans and leases to deposits | 65.2212% | 3,108 |
| Net loans and leases to core deposits | 69.8682% | 3,139 |
| Total domestic deposits to total assets | 84.7000% | 2,622 |
| Equity capital to assets | 5.0729% | 4,374 |
| Core capital (leverage) ratio | 8.4777% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3156% | 1,783 |
| Memoranda: | ||
| Average total assets | $278,214,000 | 2,541 |
| Average earning assets | $258,264,667 | 2,536 |
| Average equity | $13,936,667 | 3,364 |
| Average total loans | $151,749,333 | 2,659 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8654% | 3,746 |
| Cost of funding earning assets | 0.6022% | 3,379 |
| Net interest margin | 3.2632% | 2,964 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.9796% | 1,091 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.6991% | 3,469 |
| Return on assets (ROA) | 0.6943% | 3,438 |
| Pretax return on assets | 0.8360% | 3,379 |
| Return on Equity (ROE) | 13.9500% | 1,784 |
| Retained earnings to average equity (ytd only) | 8.1375% | 2,180 |
| Net charge-offs to loans | 0.0161% | 1,372 |
| Credit loss provision to net charge-offs | 683.3333% | 464 |
| Earnings coverage of net charge-offs (x) | 103.8333% | 771 |
| Efficiency ratio | 76.7797% | 1,102 |
| Assets per employee ($millions) | 4.4809% | 4,033 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 3,621 |
| Loan loss allowance to noncurrent loans | 565.8915% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 2,884 |
| Noncurrent loans to loans | 0.1723% | 2,617 |
| Net loans and leases to total assets | 53.3600% | 3,244 |
| Net loans and leases to deposits | 60.3807% | 3,308 |
| Net loans and leases to core deposits | 64.4830% | 3,317 |
| Total domestic deposits to total assets | 88.3800% | 1,783 |
| Equity capital to assets | 5.2606% | 4,382 |
| Core capital (leverage) ratio | 8.4873% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4173% | 1,822 |
| Memoranda: | ||
| Average total assets | $276,543,500 | 2,579 |
| Average earning assets | $257,048,500 | 2,572 |
| Average equity | $13,763,500 | 3,415 |
| Average total loans | $149,130,000 | 2,710 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4834% | 3,126 |
| Cost of funding earning assets | 0.2368% | 3,442 |
| Net interest margin | 3.2466% | 2,715 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 3.0339% | 923 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6878% | 3,648 |
| Return on assets (ROA) | 0.6705% | 3,654 |
| Pretax return on assets | 0.8095% | 3,601 |
| Return on Equity (ROE) | 11.5800% | 2,274 |
| Retained earnings to average equity (ytd only) | 11.1498% | 850 |
| Net charge-offs to loans | 0.0229% | 1,605 |
| Credit loss provision to net charge-offs | 387.8788% | 789 |
| Earnings coverage of net charge-offs (x) | 71.7576% | 1,146 |
| Efficiency ratio | 77.5609% | 883 |
| Assets per employee ($millions) | 4.5878% | 3,976 |
| Cash dividends to net income (ytd only)* | 3.7037% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 3,571 |
| Loan loss allowance to noncurrent loans | 531.7164% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 2,861 |
| Noncurrent loans to loans | 0.1804% | 2,582 |
| Net loans and leases to total assets | 53.4500% | 3,245 |
| Net loans and leases to deposits | 59.7247% | 3,342 |
| Net loans and leases to core deposits | 63.7541% | 3,279 |
| Total domestic deposits to total assets | 89.4900% | 1,562 |
| Equity capital to assets | 4.6907% | 4,439 |
| Core capital (leverage) ratio | 8.4866% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6500% | 1,746 |
| Memoranda: | ||
| Average total assets | $269,789,000 | 2,610 |
| Average earning assets | $252,079,800 | 2,598 |
| Average equity | $15,623,600 | 3,314 |
| Average total loans | $144,301,600 | 2,689 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3794% | 2,971 |
| Cost of funding earning assets | 0.2008% | 3,262 |
| Net interest margin | 3.1786% | 2,687 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.9888% | 915 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.6816% | 3,613 |
| Return on assets (ROA) | 0.6592% | 3,630 |
| Pretax return on assets | 0.8017% | 3,570 |
| Return on Equity (ROE) | 10.8500% | 2,444 |
| Retained earnings to average equity (ytd only) | 10.3055% | 1,254 |
| Net charge-offs to loans | 0.0149% | 1,575 |
| Credit loss provision to net charge-offs | 631.2500% | 546 |
| Earnings coverage of net charge-offs (x) | 110.6250% | 890 |
| Efficiency ratio | 77.2698% | 970 |
| Assets per employee ($millions) | 4.5021% | 4,056 |
| Cash dividends to net income (ytd only)* | 5.0490% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 3,588 |
| Loan loss allowance to noncurrent loans | 508.9928% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 2,942 |
| Noncurrent loans to loans | 0.1921% | 2,641 |
| Net loans and leases to total assets | 52.1800% | 3,260 |
| Net loans and leases to deposits | 57.4949% | 3,378 |
| Net loans and leases to core deposits | 61.1845% | 3,287 |
| Total domestic deposits to total assets | 90.7600% | 1,334 |
| Equity capital to assets | 4.6419% | 4,366 |
| Core capital (leverage) ratio | 8.5026% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8391% | 1,754 |
| Memoranda: | ||
| Average total assets | $268,419,000 | 2,636 |
| Average earning assets | $251,006,500 | 2,627 |
| Average equity | $16,301,500 | 3,288 |
| Average total loans | $143,239,750 | 2,706 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3165% | 2,687 |
| Cost of funding earning assets | 0.1999% | 2,913 |
| Net interest margin | 3.1165% | 2,482 |
| Noninterest income to average assets | 0.8793% | 880 |
| Noninterest expense to average assets | 2.9780% | 870 |
| Loan and lease loss provision to assets | 0.0466% | 1,734 |
| Net operating income to assets | 0.6365% | 3,522 |
| Return on assets (ROA) | 0.6022% | 3,568 |
| Pretax return on assets | 0.7284% | 3,503 |
| Return on Equity (ROE) | 9.1731% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.4067% | 1,468 |
| Net charge-offs to loans | -0.0042% | 3,291 |
| Credit loss provision to net charge-offs | -2,066.6667% | 3,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4880% | 1,056 |
| Assets per employee ($millions) | 4.4819% | 4,083 |
| Cash dividends to net income (ytd only)* | 8.3541% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 3,708 |
| Loan loss allowance to noncurrent loans | 487.7622% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 2,965 |
| Noncurrent loans to loans | 0.1998% | 2,710 |
| Net loans and leases to total assets | 52.7179% | 3,091 |
| Net loans and leases to deposits | 58.3495% | 3,190 |
| Net loans and leases to core deposits | 62.1913% | 3,099 |
| Total domestic deposits to total assets | 90.3487% | 1,550 |
| Equity capital to assets | 5.0938% | 4,454 |
| Core capital (leverage) ratio | 8.4964% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8753% | 1,745 |
| Memoranda: | ||
| Average total assets | $266,349,667 | 2,673 |
| Average earning assets | $249,121,667 | 2,678 |
| Average equity | $17,486,000 | 3,275 |
| Average total loans | $142,743,667 | 2,726 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2574% | 2,507 |
| Cost of funding earning assets | 0.2075% | 2,695 |
| Net interest margin | 3.0499% | 2,330 |
| Noninterest income to average assets | 0.8919% | 850 |
| Noninterest expense to average assets | 2.9894% | 832 |
| Loan and lease loss provision to assets | 0.0392% | 1,651 |
| Net operating income to assets | 0.5996% | 3,396 |
| Return on assets (ROA) | 0.5946% | 3,394 |
| Pretax return on assets | 0.7183% | 3,340 |
| Return on Equity (ROE) | 8.1321% | 2,632 |
| Retained earnings to average equity (ytd only) | 6.7492% | 1,979 |
| Net charge-offs to loans | -0.0253% | 4,009 |
| Credit loss provision to net charge-offs | -288.8889% | 3,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6542% | 1,176 |
| Assets per employee ($millions) | 4.4982% | 4,134 |
| Cash dividends to net income (ytd only)* | 17.0051% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 3,898 |
| Loan loss allowance to noncurrent loans | 462.7119% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 3,030 |
| Noncurrent loans to loans | 0.2059% | 2,793 |
| Net loans and leases to total assets | 53.4811% | 2,821 |
| Net loans and leases to deposits | 60.1031% | 2,900 |
| Net loans and leases to core deposits | 63.8761% | 2,802 |
| Total domestic deposits to total assets | 88.9823% | 2,089 |
| Equity capital to assets | 6.5628% | 4,404 |
| Core capital (leverage) ratio | 8.2554% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3745% | 2,045 |
| Memoranda: | ||
| Average total assets | $265,066,500 | 2,693 |
| Average earning assets | $248,667,500 | 2,686 |
| Average equity | $19,380,000 | 3,201 |
| Average total loans | $142,534,500 | 2,720 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 1,677 |
| Cost of funding earning assets | 0.2493% | 2,944 |
| Net interest margin | 3.6280% | 1,391 |
| Noninterest income to average assets | 0.8579% | 1,307 |
| Noninterest expense to average assets | 2.9809% | 1,012 |
| Loan and lease loss provision to assets | 0.0269% | 2,516 |
| Net operating income to assets | 0.9966% | 2,685 |
| Return on assets (ROA) | 1.1023% | 2,349 |
| Pretax return on assets | 1.4095% | 2,019 |
| Return on Equity (ROE) | 13.5424% | 1,297 |
| Retained earnings to average equity (ytd only) | 13.5424% | 348 |
| Net charge-offs to loans | 0.0185% | 1,913 |
| Credit loss provision to net charge-offs | 253.8462% | 1,158 |
| Earnings coverage of net charge-offs (x) | 122.8077% | 767 |
| Efficiency ratio | 69.5905% | 1,785 |
| Assets per employee ($millions) | 4.3400% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 3,967 |
| Loan loss allowance to noncurrent loans | 437.5000% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 3,126 |
| Noncurrent loans to loans | 0.2144% | 2,885 |
| Net loans and leases to total assets | 53.0479% | 2,958 |
| Net loans and leases to deposits | 60.7889% | 3,006 |
| Net loans and leases to core deposits | 64.6849% | 2,927 |
| Total domestic deposits to total assets | 87.2657% | 2,407 |
| Equity capital to assets | 8.0618% | 4,324 |
| Core capital (leverage) ratio | 8.3018% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6896% | 1,980 |
| Memoranda: | ||
| Average total assets | $245,127,000 | 2,765 |
| Average earning assets | $231,450,200 | 2,736 |
| Average equity | $19,952,200 | 3,225 |
| Average total loans | $140,685,000 | 2,719 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 1,525 |
| Cost of funding earning assets | 0.2566% | 3,052 |
| Net interest margin | 3.7470% | 1,230 |
| Noninterest income to average assets | 0.8436% | 1,402 |
| Noninterest expense to average assets | 3.0010% | 970 |
| Loan and lease loss provision to assets | 0.0137% | 2,719 |
| Net operating income to assets | 1.0684% | 2,659 |
| Return on assets (ROA) | 1.1517% | 2,417 |
| Pretax return on assets | 1.4764% | 2,057 |
| Return on Equity (ROE) | 14.1121% | 1,358 |
| Retained earnings to average equity (ytd only) | 14.1121% | 500 |
| Net charge-offs to loans | 0.0133% | 1,830 |
| Credit loss provision to net charge-offs | 178.5714% | 1,260 |
| Earnings coverage of net charge-offs (x) | 178.2143% | 604 |
| Efficiency ratio | 68.4257% | 1,774 |
| Assets per employee ($millions) | 4.2069% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 4,045 |
| Loan loss allowance to noncurrent loans | 415.6550% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 3,306 |
| Noncurrent loans to loans | 0.2255% | 3,043 |
| Net loans and leases to total assets | 53.5893% | 3,019 |
| Net loans and leases to deposits | 61.3507% | 3,107 |
| Net loans and leases to core deposits | 64.7056% | 3,067 |
| Total domestic deposits to total assets | 87.3491% | 2,189 |
| Equity capital to assets | 8.1049% | 4,465 |
| Core capital (leverage) ratio | 8.0638% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6616% | 2,100 |
| Memoranda: | ||
| Average total assets | $240,223,250 | 2,813 |
| Average earning assets | $227,091,500 | 2,786 |
| Average equity | $19,604,500 | 3,291 |
| Average total loans | $140,413,750 | 2,763 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 1,751 |
| Cost of funding earning assets | 0.2668% | 3,114 |
| Net interest margin | 3.6618% | 1,438 |
| Noninterest income to average assets | 0.8443% | 1,408 |
| Noninterest expense to average assets | 3.0389% | 920 |
| Loan and lease loss provision to assets | 0.0179% | 2,603 |
| Net operating income to assets | 0.9819% | 2,954 |
| Return on assets (ROA) | 0.9772% | 3,057 |
| Pretax return on assets | 1.2430% | 2,793 |
| Return on Equity (ROE) | 11.9440% | 2,084 |
| Retained earnings to average equity (ytd only) | 11.9440% | 930 |
| Net charge-offs to loans | 0.0085% | 1,822 |
| Credit loss provision to net charge-offs | 350.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 247.8333% | 437 |
| Efficiency ratio | 70.5778% | 1,572 |
| Assets per employee ($millions) | 4.1218% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 4,105 |
| Loan loss allowance to noncurrent loans | 404.0248% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 3,372 |
| Noncurrent loans to loans | 0.2273% | 3,152 |
| Net loans and leases to total assets | 56.9299% | 2,789 |
| Net loans and leases to deposits | 66.0978% | 2,812 |
| Net loans and leases to core deposits | 69.7960% | 2,807 |
| Total domestic deposits to total assets | 86.1297% | 2,694 |
| Equity capital to assets | 8.0123% | 4,525 |
| Core capital (leverage) ratio | 7.9829% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8075% | 2,046 |
| Memoranda: | ||
| Average total assets | $234,757,000 | 2,846 |
| Average earning assets | $221,912,667 | 2,818 |
| Average equity | $19,206,333 | 3,318 |
| Average total loans | $140,944,000 | 2,769 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0001% | 1,613 |
| Cost of funding earning assets | 0.2766% | 3,209 |
| Net interest margin | 3.7235% | 1,280 |
| Noninterest income to average assets | 0.8736% | 1,399 |
| Noninterest expense to average assets | 3.0900% | 852 |
| Loan and lease loss provision to assets | 0.0280% | 2,417 |
| Net operating income to assets | 0.9950% | 2,821 |
| Return on assets (ROA) | 0.9909% | 2,932 |
| Pretax return on assets | 1.2622% | 2,673 |
| Return on Equity (ROE) | 11.9776% | 2,022 |
| Retained earnings to average equity (ytd only) | 11.9776% | 1,152 |
| Net charge-offs to loans | 0.0171% | 1,406 |
| Credit loss provision to net charge-offs | 266.6667% | 792 |
| Earnings coverage of net charge-offs (x) | 123.3333% | 540 |
| Efficiency ratio | 70.4591% | 1,649 |
| Assets per employee ($millions) | 3.9078% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 4,140 |
| Loan loss allowance to noncurrent loans | 288.8889% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 3,211 |
| Noncurrent loans to loans | 0.3133% | 2,980 |
| Net loans and leases to total assets | 60.6964% | 2,445 |
| Net loans and leases to deposits | 69.4711% | 2,562 |
| Net loans and leases to core deposits | 73.7060% | 2,542 |
| Total domestic deposits to total assets | 87.3692% | 2,151 |
| Equity capital to assets | 8.0088% | 4,478 |
| Core capital (leverage) ratio | 8.2961% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6301% | 2,030 |
| Memoranda: | ||
| Average total assets | $228,482,500 | 2,875 |
| Average earning assets | $215,494,500 | 2,849 |
| Average equity | $18,902,000 | 3,340 |
| Average total loans | $140,368,000 | 2,779 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 1,941 |
| Cost of funding earning assets | 0.3678% | 3,779 |
| Net interest margin | 3.9073% | 1,195 |
| Noninterest income to average assets | 0.8939% | 1,281 |
| Noninterest expense to average assets | 3.5375% | 656 |
| Loan and lease loss provision to assets | 0.0519% | 3,727 |
| Net operating income to assets | 0.8245% | 2,994 |
| Return on assets (ROA) | 0.9898% | 2,473 |
| Pretax return on assets | 1.1884% | 2,370 |
| Return on Equity (ROE) | 11.3361% | 1,515 |
| Retained earnings to average equity (ytd only) | 10.0344% | 580 |
| Net charge-offs to loans | 0.0106% | 2,942 |
| Credit loss provision to net charge-offs | 742.8571% | 966 |
| Earnings coverage of net charge-offs (x) | 150.5000% | 571 |
| Efficiency ratio | 77.2610% | 1,103 |
| Assets per employee ($millions) | 3.9035% | 4,441 |
| Cash dividends to net income (ytd only)* | 11.4828% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 4,072 |
| Loan loss allowance to noncurrent loans | 261.1336% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 3,181 |
| Noncurrent loans to loans | 0.3603% | 2,906 |
| Net loans and leases to total assets | 61.0491% | 2,721 |
| Net loans and leases to deposits | 71.4452% | 2,742 |
| Net loans and leases to core deposits | 75.9064% | 2,737 |
| Total domestic deposits to total assets | 85.4489% | 2,592 |
| Equity capital to assets | 8.5511% | 4,413 |
| Core capital (leverage) ratio | 8.3233% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5473% | 2,034 |
| Memoranda: | ||
| Average total assets | $202,371,800 | 2,920 |
| Average earning assets | $190,847,200 | 2,903 |
| Average equity | $17,669,200 | 3,401 |
| Average total loans | $132,558,000 | 2,835 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 2,319 |
| Cost of funding earning assets | 0.3883% | 3,880 |
| Net interest margin | 3.8376% | 1,510 |
| Noninterest income to average assets | 0.9054% | 1,206 |
| Noninterest expense to average assets | 3.5511% | 661 |
| Loan and lease loss provision to assets | 0.0492% | 3,739 |
| Net operating income to assets | 0.7844% | 3,153 |
| Return on assets (ROA) | 0.7959% | 3,224 |
| Pretax return on assets | 0.9378% | 3,273 |
| Return on Equity (ROE) | 9.0631% | 2,374 |
| Retained earnings to average equity (ytd only) | 7.6782% | 1,428 |
| Net charge-offs to loans | 0.0030% | 3,064 |
| Credit loss provision to net charge-offs | 2,433.3333% | 412 |
| Earnings coverage of net charge-offs (x) | 480.3333% | 239 |
| Efficiency ratio | 78.4829% | 984 |
| Assets per employee ($millions) | 3.6487% | 4,582 |
| Cash dividends to net income (ytd only)* | 15.2801% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 4,170 |
| Loan loss allowance to noncurrent loans | 249.0196% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 3,260 |
| Noncurrent loans to loans | 0.3482% | 3,040 |
| Net loans and leases to total assets | 67.4426% | 2,327 |
| Net loans and leases to deposits | 78.6691% | 2,459 |
| Net loans and leases to core deposits | 83.7406% | 2,503 |
| Total domestic deposits to total assets | 85.7294% | 2,170 |
| Equity capital to assets | 8.6048% | 4,401 |
| Core capital (leverage) ratio | 8.1955% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2477% | 2,082 |
| Memoranda: | ||
| Average total assets | $197,340,250 | 2,947 |
| Average earning assets | $186,118,750 | 2,927 |
| Average equity | $17,330,000 | 3,437 |
| Average total loans | $131,416,750 | 2,855 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 2,414 |
| Cost of funding earning assets | 0.4214% | 3,941 |
| Net interest margin | 3.9017% | 1,566 |
| Noninterest income to average assets | 0.9281% | 1,103 |
| Noninterest expense to average assets | 3.6946% | 585 |
| Loan and lease loss provision to assets | 0.0617% | 3,527 |
| Net operating income to assets | 0.7291% | 3,287 |
| Return on assets (ROA) | 0.7138% | 3,455 |
| Pretax return on assets | 0.8309% | 3,506 |
| Return on Equity (ROE) | 8.0676% | 2,721 |
| Retained earnings to average equity (ytd only) | 6.6501% | 1,800 |
| Net charge-offs to loans | 0.0538% | 1,719 |
| Credit loss provision to net charge-offs | 173.5294% | 2,019 |
| Earnings coverage of net charge-offs (x) | 25.6176% | 1,548 |
| Efficiency ratio | 80.2315% | 876 |
| Assets per employee ($millions) | 3.4569% | 4,686 |
| Cash dividends to net income (ytd only)* | 17.5695% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 4,140 |
| Loan loss allowance to noncurrent loans | 232.8897% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 3,314 |
| Noncurrent loans to loans | 0.3711% | 3,079 |
| Net loans and leases to total assets | 66.6319% | 2,546 |
| Net loans and leases to deposits | 77.5449% | 2,709 |
| Net loans and leases to core deposits | 82.2982% | 2,755 |
| Total domestic deposits to total assets | 85.9268% | 2,041 |
| Equity capital to assets | 8.5043% | 4,475 |
| Core capital (leverage) ratio | 8.2320% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3512% | 2,049 |
| Memoranda: | ||
| Average total assets | $191,362,000 | 2,974 |
| Average earning assets | $180,332,333 | 2,953 |
| Average equity | $16,932,000 | 3,470 |
| Average total loans | $126,403,333 | 2,902 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 2,243 |
| Cost of funding earning assets | 0.4808% | 4,027 |
| Net interest margin | 4.0432% | 1,280 |
| Noninterest income to average assets | 1.0682% | 745 |
| Noninterest expense to average assets | 3.7928% | 628 |
| Loan and lease loss provision to assets | 0.0771% | 2,759 |
| Net operating income to assets | 0.8398% | 2,751 |
| Return on assets (ROA) | 0.8083% | 2,965 |
| Pretax return on assets | 0.9581% | 2,976 |
| Return on Equity (ROE) | 8.9341% | 2,141 |
| Retained earnings to average equity (ytd only) | 7.4735% | 1,389 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9538% | 1,342 |
| Assets per employee ($millions) | 3.0261% | 4,782 |
| Cash dividends to net income (ytd only)* | 16.3488% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 3,488 |
| Loan loss allowance to noncurrent loans | 220.1426% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 3,232 |
| Noncurrent loans to loans | 0.4727% | 2,834 |
| Net loans and leases to total assets | 63.6295% | 3,109 |
| Net loans and leases to deposits | 74.4729% | 3,221 |
| Net loans and leases to core deposits | 80.9945% | 3,111 |
| Total domestic deposits to total assets | 85.4398% | 2,236 |
| Equity capital to assets | 8.7972% | 4,693 |
| Core capital (leverage) ratio | 9.0790% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5814% | 2,046 |
| Memoranda: | ||
| Average total assets | $181,608,500 | 3,035 |
| Average earning assets | $170,557,000 | 3,019 |
| Average equity | $16,431,500 | 3,518 |
| Average total loans | $118,739,500 | 2,970 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 2,596 |
| Cost of funding earning assets | 0.5158% | 4,019 |
| Net interest margin | 4.0889% | 1,573 |
| Noninterest income to average assets | 1.1932% | 663 |
| Noninterest expense to average assets | 3.7404% | 721 |
| Loan and lease loss provision to assets | 0.0490% | 3,044 |
| Net operating income to assets | 1.1015% | 2,442 |
| Return on assets (ROA) | 1.1281% | 2,440 |
| Pretax return on assets | 1.2986% | 2,507 |
| Return on Equity (ROE) | 12.5126% | 1,325 |
| Retained earnings to average equity (ytd only) | 9.3174% | 633 |
| Net charge-offs to loans | 0.0739% | 2,034 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 26.8941% | 1,680 |
| Efficiency ratio | 73.9576% | 1,605 |
| Assets per employee ($millions) | 3.0797% | 4,779 |
| Cash dividends to net income (ytd only)* | 25.5363% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 3,436 |
| Loan loss allowance to noncurrent loans | 213.9037% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 3,163 |
| Noncurrent loans to loans | 0.4723% | 2,769 |
| Net loans and leases to total assets | 65.8301% | 2,971 |
| Net loans and leases to deposits | 77.0272% | 3,089 |
| Net loans and leases to core deposits | 83.5642% | 2,996 |
| Total domestic deposits to total assets | 85.4634% | 2,311 |
| Equity capital to assets | 9.3066% | 4,487 |
| Core capital (leverage) ratio | 9.0629% | 4,474 |
| Tier 1 risk-based capital ratio | 13.4321% | 3,561 |
| Total risk-based capital ratio | 14.4309% | 3,580 |
| Memoranda: | ||
| Average total assets | $173,566,400 | 3,075 |
| Average earning assets | $164,028,800 | 3,049 |
| Average equity | $15,648,200 | 3,576 |
| Average total loans | $115,030,600 | 3,004 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6039% | 2,709 |
| Cost of funding earning assets | 0.5166% | 4,080 |
| Net interest margin | 4.0872% | 1,651 |
| Noninterest income to average assets | 1.2381% | 593 |
| Noninterest expense to average assets | 3.7321% | 719 |
| Loan and lease loss provision to assets | 0.0464% | 2,971 |
| Net operating income to assets | 1.1435% | 2,395 |
| Return on assets (ROA) | 1.1514% | 2,450 |
| Pretax return on assets | 1.3317% | 2,560 |
| Return on Equity (ROE) | 12.8792% | 1,323 |
| Retained earnings to average equity (ytd only) | 8.9843% | 1,050 |
| Net charge-offs to loans | 0.0701% | 1,823 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 29.4826% | 1,640 |
| Efficiency ratio | 73.1644% | 1,678 |
| Assets per employee ($millions) | 3.1128% | 4,830 |
| Cash dividends to net income (ytd only)* | 30.2422% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 3,328 |
| Loan loss allowance to noncurrent loans | 205.4795% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 3,225 |
| Noncurrent loans to loans | 0.5082% | 2,770 |
| Net loans and leases to total assets | 64.0951% | 3,278 |
| Net loans and leases to deposits | 74.9814% | 3,386 |
| Net loans and leases to core deposits | 81.3544% | 3,288 |
| Total domestic deposits to total assets | 85.4814% | 2,218 |
| Equity capital to assets | 9.1812% | 4,675 |
| Core capital (leverage) ratio | 8.8996% | 4,711 |
| Tier 1 risk-based capital ratio | 13.6553% | 3,505 |
| Total risk-based capital ratio | 14.6979% | 3,506 |
| Memoranda: | ||
| Average total assets | $172,301,750 | 3,120 |
| Average earning assets | $162,844,250 | 3,089 |
| Average equity | $15,404,250 | 3,636 |
| Average total loans | $114,091,000 | 3,061 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 2,769 |
| Cost of funding earning assets | 0.5005% | 4,111 |
| Net interest margin | 4.0708% | 1,699 |
| Noninterest income to average assets | 1.3518% | 480 |
| Noninterest expense to average assets | 3.7012% | 749 |
| Loan and lease loss provision to assets | 0.0434% | 2,956 |
| Net operating income to assets | 1.2681% | 1,884 |
| Return on assets (ROA) | 1.2732% | 1,934 |
| Pretax return on assets | 1.4561% | 2,010 |
| Return on Equity (ROE) | 14.3755% | 900 |
| Retained earnings to average equity (ytd only) | 10.4044% | 652 |
| Net charge-offs to loans | 0.0650% | 1,724 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 34.4324% | 1,359 |
| Efficiency ratio | 71.2480% | 2,025 |
| Assets per employee ($millions) | 3.1285% | 4,822 |
| Cash dividends to net income (ytd only)* | 27.6243% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,280 |
| Loan loss allowance to noncurrent loans | 200.6689% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 3,168 |
| Noncurrent loans to loans | 0.5289% | 2,689 |
| Net loans and leases to total assets | 63.8470% | 3,360 |
| Net loans and leases to deposits | 74.5551% | 3,474 |
| Net loans and leases to core deposits | 80.8170% | 3,357 |
| Total domestic deposits to total assets | 85.6373% | 2,207 |
| Equity capital to assets | 9.0686% | 4,758 |
| Core capital (leverage) ratio | 8.7243% | 4,821 |
| Tier 1 risk-based capital ratio | 13.4817% | 3,596 |
| Total risk-based capital ratio | 14.5278% | 3,605 |
| Memoranda: | ||
| Average total assets | $170,593,330 | 3,155 |
| Average earning assets | $161,051,000 | 3,122 |
| Average equity | $15,109,000 | 3,672 |
| Average total loans | $113,814,000 | 3,072 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 2,845 |
| Cost of funding earning assets | 0.4705% | 4,201 |
| Net interest margin | 4.0358% | 1,730 |
| Noninterest income to average assets | 1.6353% | 330 |
| Noninterest expense to average assets | 3.7126% | 742 |
| Loan and lease loss provision to assets | 0.0357% | 2,912 |
| Net operating income to assets | 1.5415% | 1,024 |
| Return on assets (ROA) | 1.5544% | 1,024 |
| Pretax return on assets | 1.7137% | 1,178 |
| Return on Equity (ROE) | 17.7723% | 421 |
| Retained earnings to average equity (ytd only) | 13.6961% | 378 |
| Net charge-offs to loans | 0.0175% | 2,120 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 512 |
| Efficiency ratio | 68.1501% | 2,622 |
| Assets per employee ($millions) | 3.1389% | 4,885 |
| Cash dividends to net income (ytd only)* | 22.9358% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,302 |
| Loan loss allowance to noncurrent loans | 158.7927% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 2,827 |
| Noncurrent loans to loans | 0.6735% | 2,331 |
| Net loans and leases to total assets | 64.8374% | 3,187 |
| Net loans and leases to deposits | 76.9822% | 3,167 |
| Net loans and leases to core deposits | 82.6462% | 3,138 |
| Total domestic deposits to total assets | 84.2239% | 2,973 |
| Equity capital to assets | 8.7337% | 4,859 |
| Core capital (leverage) ratio | 9.0244% | 4,637 |
| Tier 1 risk-based capital ratio | 13.2406% | 3,746 |
| Total risk-based capital ratio | 14.2958% | 3,763 |
| Memoranda: | ||
| Average total assets | $168,291,500 | 3,208 |
| Average earning assets | $158,976,000 | 3,176 |
| Average equity | $14,719,500 | 3,720 |
| Average total loans | $114,192,000 | 3,095 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 2,570 |
| Cost of funding earning assets | 0.2933% | 4,601 |
| Net interest margin | 4.1694% | 1,477 |
| Noninterest income to average assets | 0.9171% | 1,134 |
| Noninterest expense to average assets | 3.7318% | 742 |
| Loan and lease loss provision to assets | 0.1052% | 2,091 |
| Net operating income to assets | 0.8647% | 3,558 |
| Return on assets (ROA) | 0.8611% | 3,568 |
| Pretax return on assets | 1.0217% | 3,538 |
| Return on Equity (ROE) | 10.0122% | 2,513 |
| Retained earnings to average equity (ytd only) | 4.7162% | 2,924 |
| Net charge-offs to loans | 0.0993% | 1,770 |
| Credit loss provision to net charge-offs | 154.0541% | 1,789 |
| Earnings coverage of net charge-offs (x) | 16.5586% | 2,241 |
| Efficiency ratio | 76.7371% | 1,262 |
| Assets per employee ($millions) | 3.0360% | 4,972 |
| Cash dividends to net income (ytd only)* | 52.8949% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 3,440 |
| Loan loss allowance to noncurrent loans | 157.8947% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 2,707 |
| Noncurrent loans to loans | 0.6595% | 2,345 |
| Net loans and leases to total assets | 69.5600% | 2,637 |
| Net loans and leases to deposits | 84.0852% | 2,504 |
| Net loans and leases to core deposits | 86.8623% | 2,851 |
| Total domestic deposits to total assets | 82.7256% | 3,416 |
| Equity capital to assets | 8.7598% | 4,759 |
| Core capital (leverage) ratio | 8.9238% | 4,723 |
| Tier 1 risk-based capital ratio | 12.7751% | 3,976 |
| Total risk-based capital ratio | 13.8195% | 3,970 |
| Memoranda: | ||
| Average total assets | $162,470,400 | 3,248 |
| Average earning assets | $153,762,200 | 3,199 |
| Average equity | $13,973,000 | 3,753 |
| Average total loans | $111,796,800 | 3,107 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 2,628 |
| Cost of funding earning assets | 0.2677% | 4,688 |
| Net interest margin | 4.1318% | 1,543 |
| Noninterest income to average assets | 0.9105% | 1,169 |
| Noninterest expense to average assets | 3.7284% | 729 |
| Loan and lease loss provision to assets | 0.1003% | 1,995 |
| Net operating income to assets | 0.8273% | 3,817 |
| Return on assets (ROA) | 0.8225% | 3,845 |
| Pretax return on assets | 0.9862% | 3,760 |
| Return on Equity (ROE) | 9.6087% | 2,794 |
| Retained earnings to average equity (ytd only) | 5.7171% | 2,818 |
| Net charge-offs to loans | 0.0865% | 1,640 |
| Credit loss provision to net charge-offs | 169.4444% | 1,571 |
| Earnings coverage of net charge-offs (x) | 18.4440% | 2,054 |
| Efficiency ratio | 77.3418% | 1,195 |
| Assets per employee ($millions) | 3.0444% | 5,011 |
| Cash dividends to net income (ytd only)* | 40.5003% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 3,564 |
| Loan loss allowance to noncurrent loans | 175.5162% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 3,042 |
| Noncurrent loans to loans | 0.5891% | 2,612 |
| Net loans and leases to total assets | 69.2881% | 2,760 |
| Net loans and leases to deposits | 83.6164% | 2,643 |
| Net loans and leases to core deposits | 86.5208% | 2,954 |
| Total domestic deposits to total assets | 82.8643% | 3,355 |
| Equity capital to assets | 8.4873% | 4,930 |
| Core capital (leverage) ratio | 8.9945% | 4,713 |
| Tier 1 risk-based capital ratio | 12.7554% | 4,048 |
| Total risk-based capital ratio | 13.7940% | 4,070 |
| Memoranda: | ||
| Average total assets | $162,102,500 | 3,282 |
| Average earning assets | $153,408,000 | 3,235 |
| Average equity | $13,876,000 | 3,792 |
| Average total loans | $110,936,500 | 3,144 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3239% | 2,690 |
| Cost of funding earning assets | 0.2554% | 4,723 |
| Net interest margin | 4.0685% | 1,643 |
| Noninterest income to average assets | 0.8938% | 1,197 |
| Noninterest expense to average assets | 3.7425% | 716 |
| Loan and lease loss provision to assets | 0.0756% | 2,384 |
| Net operating income to assets | 0.7708% | 3,954 |
| Return on assets (ROA) | 0.7698% | 3,964 |
| Pretax return on assets | 0.9248% | 3,889 |
| Return on Equity (ROE) | 8.9673% | 3,035 |
| Retained earnings to average equity (ytd only) | 5.0685% | 3,041 |
| Net charge-offs to loans | 0.0840% | 1,492 |
| Credit loss provision to net charge-offs | 132.6087% | 1,699 |
| Earnings coverage of net charge-offs (x) | 17.5652% | 1,946 |
| Efficiency ratio | 78.8869% | 1,127 |
| Assets per employee ($millions) | 2.9553% | 5,128 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 3,566 |
| Loan loss allowance to noncurrent loans | 167.6343% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 3,027 |
| Noncurrent loans to loans | 0.6227% | 2,552 |
| Net loans and leases to total assets | 67.3674% | 2,968 |
| Net loans and leases to deposits | 79.1447% | 3,039 |
| Net loans and leases to core deposits | 81.9929% | 3,239 |
| Total domestic deposits to total assets | 85.1194% | 2,628 |
| Equity capital to assets | 8.5081% | 4,933 |
| Core capital (leverage) ratio | 8.8284% | 4,861 |
| Tier 1 risk-based capital ratio | 12.9318% | 3,928 |
| Total risk-based capital ratio | 13.9713% | 3,958 |
| Memoranda: | ||
| Average total assets | $161,337,000 | 3,307 |
| Average earning assets | $152,686,000 | 3,256 |
| Average equity | $13,850,330 | 3,815 |
| Average total loans | $109,549,000 | 3,177 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 2,622 |
| Cost of funding earning assets | 0.2393% | 4,768 |
| Net interest margin | 4.0344% | 1,612 |
| Noninterest income to average assets | 0.8909% | 1,171 |
| Noninterest expense to average assets | 3.6781% | 794 |
| Loan and lease loss provision to assets | 0.0796% | 2,187 |
| Net operating income to assets | 0.7889% | 3,756 |
| Return on assets (ROA) | 0.7889% | 3,755 |
| Pretax return on assets | 0.9506% | 3,704 |
| Return on Equity (ROE) | 9.1480% | 2,833 |
| Retained earnings to average equity (ytd only) | 5.2521% | 3,058 |
| Net charge-offs to loans | 0.1541% | 915 |
| Credit loss provision to net charge-offs | 76.1905% | 1,780 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 1,939 |
| Efficiency ratio | 78.1184% | 1,345 |
| Assets per employee ($millions) | 2.9535% | 5,179 |
| Cash dividends to net income (ytd only)* | 42.5868% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 3,727 |
| Loan loss allowance to noncurrent loans | 159.6045% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 3,097 |
| Noncurrent loans to loans | 0.6517% | 2,595 |
| Net loans and leases to total assets | 66.1853% | 3,006 |
| Net loans and leases to deposits | 76.8567% | 3,128 |
| Net loans and leases to core deposits | 79.7593% | 3,344 |
| Total domestic deposits to total assets | 86.1152% | 2,495 |
| Equity capital to assets | 8.4854% | 4,985 |
| Core capital (leverage) ratio | 8.9058% | 4,795 |
| Tier 1 risk-based capital ratio | 12.9616% | 3,966 |
| Total risk-based capital ratio | 13.9930% | 3,981 |
| Memoranda: | ||
| Average total assets | $160,735,500 | 3,346 |
| Average earning assets | $152,093,000 | 3,298 |
| Average equity | $13,861,000 | 3,847 |
| Average total loans | $108,996,500 | 3,209 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 2,727 |
| Cost of funding earning assets | 0.2047% | 4,907 |
| Net interest margin | 3.9849% | 1,793 |
| Noninterest income to average assets | 0.8380% | 1,443 |
| Noninterest expense to average assets | 3.6224% | 875 |
| Loan and lease loss provision to assets | 0.1139% | 1,994 |
| Net operating income to assets | 0.6273% | 3,899 |
| Return on assets (ROA) | 0.6327% | 3,919 |
| Pretax return on assets | 0.8743% | 3,993 |
| Return on Equity (ROE) | 7.2980% | 3,120 |
| Retained earnings to average equity (ytd only) | 4.1218% | 2,697 |
| Net charge-offs to loans | 0.0717% | 2,424 |
| Credit loss provision to net charge-offs | 239.4737% | 1,161 |
| Earnings coverage of net charge-offs (x) | 20.6184% | 1,957 |
| Efficiency ratio | 78.6948% | 1,255 |
| Assets per employee ($millions) | 3.0582% | 5,155 |
| Cash dividends to net income (ytd only)* | 43.5213% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 3,671 |
| Loan loss allowance to noncurrent loans | 144.8539% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 2,905 |
| Noncurrent loans to loans | 0.7197% | 2,406 |
| Net loans and leases to total assets | 68.0444% | 2,809 |
| Net loans and leases to deposits | 81.5435% | 2,761 |
| Net loans and leases to core deposits | 83.8024% | 3,071 |
| Total domestic deposits to total assets | 83.4456% | 3,405 |
| Equity capital to assets | 8.8903% | 4,824 |
| Core capital (leverage) ratio | 8.9772% | 4,674 |
| Tier 1 risk-based capital ratio | 13.0256% | 3,889 |
| Total risk-based capital ratio | 14.0699% | 3,919 |
| Memoranda: | ||
| Average total assets | $159,784,600 | 3,348 |
| Average earning assets | $150,970,200 | 3,313 |
| Average equity | $13,853,200 | 3,861 |
| Average total loans | $106,063,800 | 3,248 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 2,769 |
| Cost of funding earning assets | 0.1958% | 5,010 |
| Net interest margin | 3.9616% | 1,828 |
| Noninterest income to average assets | 0.8193% | 1,516 |
| Noninterest expense to average assets | 3.5697% | 901 |
| Loan and lease loss provision to assets | 0.1317% | 1,651 |
| Net operating income to assets | 0.6397% | 4,230 |
| Return on assets (ROA) | 0.6384% | 4,292 |
| Pretax return on assets | 0.8593% | 4,183 |
| Return on Equity (ROE) | 7.4105% | 3,438 |
| Retained earnings to average equity (ytd only) | 4.2180% | 3,391 |
| Net charge-offs to loans | 0.0912% | 1,881 |
| Credit loss provision to net charge-offs | 219.4444% | 1,260 |
| Earnings coverage of net charge-offs (x) | 16.5413% | 2,165 |
| Efficiency ratio | 78.2426% | 1,300 |
| Assets per employee ($millions) | 3.0810% | 5,197 |
| Cash dividends to net income (ytd only)* | 43.0809% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 3,858 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 3,431 |
| Noncurrent loans to loans | 0.5929% | 2,930 |
| Net loans and leases to total assets | 66.6719% | 3,018 |
| Net loans and leases to deposits | 80.6787% | 2,903 |
| Net loans and leases to core deposits | 81.9922% | 3,284 |
| Total domestic deposits to total assets | 82.6387% | 3,574 |
| Equity capital to assets | 8.8538% | 5,029 |
| Core capital (leverage) ratio | 8.8565% | 4,917 |
| Tier 1 risk-based capital ratio | 13.1044% | 3,940 |
| Total risk-based capital ratio | 14.1465% | 3,986 |
| Memoranda: | ||
| Average total assets | $159,974,000 | 3,376 |
| Average earning assets | $151,147,500 | 3,340 |
| Average equity | $13,782,000 | 3,911 |
| Average total loans | $105,242,500 | 3,284 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 2,917 |
| Cost of funding earning assets | 0.1908% | 5,061 |
| Net interest margin | 3.8837% | 1,991 |
| Noninterest income to average assets | 0.7980% | 1,580 |
| Noninterest expense to average assets | 3.5311% | 964 |
| Loan and lease loss provision to assets | 0.1413% | 1,447 |
| Net operating income to assets | 0.5973% | 4,321 |
| Return on assets (ROA) | 0.5954% | 4,373 |
| Pretax return on assets | 0.7893% | 4,312 |
| Return on Equity (ROE) | 6.9755% | 3,565 |
| Retained earnings to average equity (ytd only) | 3.7516% | 3,464 |
| Net charge-offs to loans | 0.1188% | 1,454 |
| Credit loss provision to net charge-offs | 182.2581% | 1,350 |
| Earnings coverage of net charge-offs (x) | 12.0323% | 2,227 |
| Efficiency ratio | 79.0978% | 1,324 |
| Assets per employee ($millions) | 3.0799% | 5,203 |
| Cash dividends to net income (ytd only)* | 46.2185% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,904 |
| Loan loss allowance to noncurrent loans | 113.7317% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 2,785 |
| Noncurrent loans to loans | 0.9139% | 2,142 |
| Net loans and leases to total assets | 64.5030% | 3,310 |
| Net loans and leases to deposits | 76.5167% | 3,285 |
| Net loans and leases to core deposits | 77.2988% | 3,654 |
| Total domestic deposits to total assets | 84.2992% | 3,087 |
| Equity capital to assets | 8.7589% | 5,095 |
| Core capital (leverage) ratio | 8.7410% | 5,013 |
| Tier 1 risk-based capital ratio | 13.2091% | 3,870 |
| Total risk-based capital ratio | 14.2398% | 3,924 |
| Memoranda: | ||
| Average total assets | $159,894,330 | 3,397 |
| Average earning assets | $150,938,330 | 3,356 |
| Average equity | $13,647,670 | 3,943 |
| Average total loans | $104,344,330 | 3,309 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0447% | 2,880 |
| Cost of funding earning assets | 0.1910% | 5,057 |
| Net interest margin | 3.8538% | 1,942 |
| Noninterest income to average assets | 0.8187% | 1,492 |
| Noninterest expense to average assets | 3.4877% | 1,063 |
| Loan and lease loss provision to assets | 0.1627% | 1,103 |
| Net operating income to assets | 0.6097% | 4,113 |
| Return on assets (ROA) | 0.6059% | 4,187 |
| Pretax return on assets | 0.8012% | 4,110 |
| Return on Equity (ROE) | 7.1930% | 3,320 |
| Retained earnings to average equity (ytd only) | 3.9235% | 3,486 |
| Net charge-offs to loans | 0.1495% | 1,065 |
| Credit loss provision to net charge-offs | 166.6667% | 1,134 |
| Earnings coverage of net charge-offs (x) | 9.9231% | 1,965 |
| Efficiency ratio | 78.2584% | 1,595 |
| Assets per employee ($millions) | 3.3234% | 5,025 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 4,236 |
| Loan loss allowance to noncurrent loans | 102.3166% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 2,618 |
| Noncurrent loans to loans | 0.9841% | 2,079 |
| Net loans and leases to total assets | 63.9957% | 3,280 |
| Net loans and leases to deposits | 77.3751% | 3,043 |
| Net loans and leases to core deposits | 78.1902% | 3,451 |
| Total domestic deposits to total assets | 82.7083% | 3,946 |
| Equity capital to assets | 8.3539% | 5,327 |
| Core capital (leverage) ratio | 8.7398% | 5,007 |
| Tier 1 risk-based capital ratio | 13.0125% | 4,072 |
| Total risk-based capital ratio | 14.0135% | 4,118 |
| Memoranda: | ||
| Average total assets | $159,763,000 | 3,436 |
| Average earning assets | $150,814,000 | 3,390 |
| Average equity | $13,457,500 | 3,995 |
| Average total loans | $104,321,000 | 3,336 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 3,080 |
| Cost of funding earning assets | 0.1942% | 5,074 |
| Net interest margin | 3.8396% | 2,173 |
| Noninterest income to average assets | 0.8194% | 1,682 |
| Noninterest expense to average assets | 3.7497% | 825 |
| Loan and lease loss provision to assets | 0.1164% | 2,126 |
| Net operating income to assets | 0.4461% | 4,811 |
| Return on assets (ROA) | 0.5387% | 4,575 |
| Pretax return on assets | 0.6717% | 4,578 |
| Return on Equity (ROE) | 5.9081% | 4,022 |
| Retained earnings to average equity (ytd only) | 3.0197% | 3,753 |
| Net charge-offs to loans | 0.0432% | 3,171 |
| Credit loss provision to net charge-offs | 426.8293% | 752 |
| Earnings coverage of net charge-offs (x) | 24.6585% | 1,628 |
| Efficiency ratio | 84.7947% | 928 |
| Assets per employee ($millions) | 3.0721% | 5,291 |
| Cash dividends to net income (ytd only)* | 48.8889% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 4,324 |
| Loan loss allowance to noncurrent loans | 126.8712% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5738% | 3,009 |
| Noncurrent loans to loans | 0.7885% | 2,545 |
| Net loans and leases to total assets | 65.3138% | 3,174 |
| Net loans and leases to deposits | 77.8417% | 3,121 |
| Net loans and leases to core deposits | 78.5111% | 3,533 |
| Total domestic deposits to total assets | 83.9059% | 3,457 |
| Equity capital to assets | 8.4957% | 5,272 |
| Core capital (leverage) ratio | 8.7748% | 4,996 |
| Tier 1 risk-based capital ratio | 12.8781% | 4,148 |
| Total risk-based capital ratio | 13.8538% | 4,217 |
| Memoranda: | ||
| Average total assets | $150,359,200 | 3,519 |
| Average earning assets | $141,082,000 | 3,484 |
| Average equity | $13,710,000 | 3,987 |
| Average total loans | $94,808,200 | 3,485 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 3,182 |
| Cost of funding earning assets | 0.1950% | 5,122 |
| Net interest margin | 3.8176% | 2,267 |
| Noninterest income to average assets | 0.8352% | 1,624 |
| Noninterest expense to average assets | 3.7244% | 821 |
| Loan and lease loss provision to assets | 0.1147% | 2,014 |
| Net operating income to assets | 0.4418% | 4,898 |
| Return on assets (ROA) | 0.5619% | 4,556 |
| Pretax return on assets | 0.7304% | 4,530 |
| Return on Equity (ROE) | 6.0535% | 4,045 |
| Retained earnings to average equity (ytd only) | 3.1861% | 4,003 |
| Net charge-offs to loans | 0.0676% | 2,359 |
| Credit loss provision to net charge-offs | 272.3404% | 1,129 |
| Earnings coverage of net charge-offs (x) | 16.3605% | 2,116 |
| Efficiency ratio | 84.3858% | 958 |
| Assets per employee ($millions) | 2.9327% | 5,442 |
| Cash dividends to net income (ytd only)* | 47.3684% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 4,408 |
| Loan loss allowance to noncurrent loans | 91.7680% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 2,312 |
| Noncurrent loans to loans | 1.0897% | 2,078 |
| Net loans and leases to total assets | 62.4838% | 3,593 |
| Net loans and leases to deposits | 75.8100% | 3,417 |
| Net loans and leases to core deposits | 76.2068% | 3,813 |
| Total domestic deposits to total assets | 82.4215% | 3,803 |
| Equity capital to assets | 9.0347% | 5,144 |
| Core capital (leverage) ratio | 9.0928% | 4,721 |
| Tier 1 risk-based capital ratio | 13.1511% | 4,066 |
| Total risk-based capital ratio | 14.1022% | 4,163 |
| Memoranda: | ||
| Average total assets | $148,779,250 | 3,559 |
| Average earning assets | $139,455,500 | 3,519 |
| Average equity | $13,809,750 | 4,000 |
| Average total loans | $92,668,500 | 3,535 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 3,176 |
| Cost of funding earning assets | 0.1938% | 5,200 |
| Net interest margin | 3.8272% | 2,217 |
| Noninterest income to average assets | 0.8160% | 1,655 |
| Noninterest expense to average assets | 3.7650% | 809 |
| Loan and lease loss provision to assets | 0.0901% | 2,347 |
| Net operating income to assets | 0.4166% | 4,987 |
| Return on assets (ROA) | 0.5950% | 4,419 |
| Pretax return on assets | 0.7792% | 4,353 |
| Return on Equity (ROE) | 6.3501% | 3,875 |
| Retained earnings to average equity (ytd only) | 3.4664% | 3,684 |
| Net charge-offs to loans | 0.0572% | 2,369 |
| Credit loss provision to net charge-offs | 253.8462% | 1,084 |
| Earnings coverage of net charge-offs (x) | 17.8846% | 1,857 |
| Efficiency ratio | 85.5769% | 921 |
| Assets per employee ($millions) | 2.9296% | 5,499 |
| Cash dividends to net income (ytd only)* | 45.4128% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 4,501 |
| Loan loss allowance to noncurrent loans | 81.9529% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.0124% | 2,119 |
| Noncurrent loans to loans | 1.2233% | 1,876 |
| Net loans and leases to total assets | 63.3693% | 3,454 |
| Net loans and leases to deposits | 74.8219% | 3,499 |
| Net loans and leases to core deposits | 75.0439% | 3,905 |
| Total domestic deposits to total assets | 84.6936% | 3,005 |
| Equity capital to assets | 9.5364% | 4,726 |
| Core capital (leverage) ratio | 9.2716% | 4,495 |
| Tier 1 risk-based capital ratio | 13.6754% | 3,783 |
| Total risk-based capital ratio | 14.6295% | 3,885 |
| Memoranda: | ||
| Average total assets | $146,561,000 | 3,606 |
| Average earning assets | $137,227,330 | 3,576 |
| Average equity | $13,732,000 | 4,030 |
| Average total loans | $90,857,330 | 3,590 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0006% | 3,220 |
| Cost of funding earning assets | 0.2009% | 5,199 |
| Net interest margin | 3.7997% | 2,288 |
| Noninterest income to average assets | 0.7694% | 1,735 |
| Noninterest expense to average assets | 3.6917% | 907 |
| Loan and lease loss provision to assets | 0.0873% | 2,228 |
| Net operating income to assets | 0.4387% | 4,867 |
| Return on assets (ROA) | 0.4584% | 4,876 |
| Pretax return on assets | 0.5757% | 4,885 |
| Return on Equity (ROE) | 4.9363% | 4,512 |
| Retained earnings to average equity (ytd only) | 2.0274% | 4,447 |
| Net charge-offs to loans | 0.0537% | 1,986 |
| Credit loss provision to net charge-offs | 266.6667% | 913 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,502 |
| Efficiency ratio | 85.2552% | 1,041 |
| Assets per employee ($millions) | 3.0742% | 5,431 |
| Cash dividends to net income (ytd only)* | 58.9286% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 4,479 |
| Loan loss allowance to noncurrent loans | 75.8450% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.1087% | 1,991 |
| Noncurrent loans to loans | 1.3489% | 1,769 |
| Net loans and leases to total assets | 60.3163% | 3,729 |
| Net loans and leases to deposits | 70.9297% | 3,765 |
| Net loans and leases to core deposits | 71.1804% | 4,139 |
| Total domestic deposits to total assets | 85.0368% | 3,122 |
| Equity capital to assets | 9.2693% | 4,921 |
| Core capital (leverage) ratio | 9.2289% | 4,566 |
| Tier 1 risk-based capital ratio | 14.1868% | 3,573 |
| Total risk-based capital ratio | 15.1679% | 3,675 |
| Memoranda: | ||
| Average total assets | $146,601,000 | 3,626 |
| Average earning assets | $137,378,500 | 3,594 |
| Average equity | $13,613,500 | 4,061 |
| Average total loans | $89,404,000 | 3,630 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 2,958 |
| Cost of funding earning assets | 0.2369% | 4,926 |
| Net interest margin | 3.8538% | 2,190 |
| Noninterest income to average assets | 0.7605% | 1,933 |
| Noninterest expense to average assets | 3.5998% | 1,127 |
| Loan and lease loss provision to assets | 0.0938% | 2,438 |
| Net operating income to assets | 0.5432% | 4,528 |
| Return on assets (ROA) | 0.5443% | 4,616 |
| Pretax return on assets | 0.6535% | 4,666 |
| Return on Equity (ROE) | 5.8509% | 4,101 |
| Retained earnings to average equity (ytd only) | 3.1736% | 3,796 |
| Net charge-offs to loans | 0.1513% | 1,856 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 7.9552% | 3,019 |
| Efficiency ratio | 82.8369% | 1,290 |
| Assets per employee ($millions) | 3.0342% | 5,492 |
| Cash dividends to net income (ytd only)* | 45.7584% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 4,532 |
| Loan loss allowance to noncurrent loans | 74.9376% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.1734% | 1,855 |
| Noncurrent loans to loans | 1.3512% | 1,738 |
| Net loans and leases to total assets | 60.4120% | 3,776 |
| Net loans and leases to deposits | 71.1833% | 3,800 |
| Net loans and leases to core deposits | 71.4678% | 4,179 |
| Total domestic deposits to total assets | 84.8682% | 3,147 |
| Equity capital to assets | 9.3031% | 4,790 |
| Core capital (leverage) ratio | 9.1120% | 4,738 |
| Tier 1 risk-based capital ratio | 14.2260% | 3,592 |
| Total risk-based capital ratio | 15.1978% | 3,674 |
| Memoranda: | ||
| Average total assets | $142,926,400 | 3,678 |
| Average earning assets | $132,959,800 | 3,648 |
| Average equity | $13,297,200 | 4,075 |
| Average total loans | $88,564,800 | 3,620 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 2,919 |
| Cost of funding earning assets | 0.2422% | 4,971 |
| Net interest margin | 3.8608% | 2,157 |
| Noninterest income to average assets | 0.8651% | 1,569 |
| Noninterest expense to average assets | 3.6555% | 1,039 |
| Loan and lease loss provision to assets | 0.1031% | 2,140 |
| Net operating income to assets | 0.5394% | 4,632 |
| Return on assets (ROA) | 0.5408% | 4,723 |
| Pretax return on assets | 0.6936% | 4,701 |
| Return on Equity (ROE) | 5.8130% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.1231% | 4,230 |
| Net charge-offs to loans | 0.1431% | 1,691 |
| Credit loss provision to net charge-offs | 115.7895% | 2,047 |
| Earnings coverage of net charge-offs (x) | 8.9266% | 2,753 |
| Efficiency ratio | 82.1398% | 1,375 |
| Assets per employee ($millions) | 2.9697% | 5,580 |
| Cash dividends to net income (ytd only)* | 46.2739% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 4,634 |
| Loan loss allowance to noncurrent loans | 77.6081% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.5222% | 1,476 |
| Noncurrent loans to loans | 1.3169% | 1,938 |
| Net loans and leases to total assets | 60.8939% | 3,748 |
| Net loans and leases to deposits | 71.5967% | 3,817 |
| Net loans and leases to core deposits | 72.0590% | 4,186 |
| Total domestic deposits to total assets | 85.0512% | 2,986 |
| Equity capital to assets | 9.2113% | 5,102 |
| Core capital (leverage) ratio | 9.1049% | 4,875 |
| Tier 1 risk-based capital ratio | 13.9432% | 3,878 |
| Total risk-based capital ratio | 14.9199% | 3,971 |
| Memoranda: | ||
| Average total assets | $142,248,000 | 3,715 |
| Average earning assets | $132,095,250 | 3,694 |
| Average equity | $13,234,250 | 4,135 |
| Average total loans | $88,485,000 | 3,653 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1028% | 2,887 |
| Cost of funding earning assets | 0.2503% | 4,939 |
| Net interest margin | 3.8524% | 2,132 |
| Noninterest income to average assets | 0.8558% | 1,587 |
| Noninterest expense to average assets | 3.6696% | 1,028 |
| Loan and lease loss provision to assets | 0.1119% | 1,967 |
| Net operating income to assets | 0.5036% | 4,752 |
| Return on assets (ROA) | 0.5058% | 4,854 |
| Pretax return on assets | 0.6532% | 4,812 |
| Return on Equity (ROE) | 5.4183% | 4,419 |
| Retained earnings to average equity (ytd only) | 2.7167% | 4,334 |
| Net charge-offs to loans | 0.1566% | 1,541 |
| Credit loss provision to net charge-offs | 114.4928% | 1,871 |
| Earnings coverage of net charge-offs (x) | 7.7971% | 2,629 |
| Efficiency ratio | 82.8005% | 1,400 |
| Assets per employee ($millions) | 2.9392% | 5,666 |
| Cash dividends to net income (ytd only)* | 49.8599% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 4,705 |
| Loan loss allowance to noncurrent loans | 75.0825% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6268% | 1,477 |
| Noncurrent loans to loans | 1.3735% | 1,971 |
| Net loans and leases to total assets | 60.6384% | 3,733 |
| Net loans and leases to deposits | 71.0403% | 3,823 |
| Net loans and leases to core deposits | 71.5021% | 4,182 |
| Total domestic deposits to total assets | 85.3577% | 2,985 |
| Equity capital to assets | 9.1438% | 5,089 |
| Core capital (leverage) ratio | 9.2975% | 4,557 |
| Tier 1 risk-based capital ratio | 14.0810% | 3,875 |
| Total risk-based capital ratio | 15.0719% | 3,954 |
| Memoranda: | ||
| Average total assets | $141,158,330 | 3,765 |
| Average earning assets | $131,033,670 | 3,737 |
| Average equity | $13,177,670 | 4,171 |
| Average total loans | $88,138,000 | 3,686 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1060% | 2,804 |
| Cost of funding earning assets | 0.2686% | 4,809 |
| Net interest margin | 3.8374% | 2,108 |
| Noninterest income to average assets | 0.9075% | 1,363 |
| Noninterest expense to average assets | 3.5870% | 1,154 |
| Loan and lease loss provision to assets | 0.1660% | 1,206 |
| Net operating income to assets | 0.5453% | 4,492 |
| Return on assets (ROA) | 0.5496% | 4,596 |
| Pretax return on assets | 0.7185% | 4,539 |
| Return on Equity (ROE) | 5.8261% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.1255% | 4,108 |
| Net charge-offs to loans | 0.2634% | 909 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 5.2931% | 2,400 |
| Efficiency ratio | 80.3205% | 1,856 |
| Assets per employee ($millions) | 2.8706% | 5,811 |
| Cash dividends to net income (ytd only)* | 46.3542% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 4,918 |
| Loan loss allowance to noncurrent loans | 76.6610% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.7233% | 1,446 |
| Noncurrent loans to loans | 1.3304% | 2,162 |
| Net loans and leases to total assets | 62.0967% | 3,352 |
| Net loans and leases to deposits | 73.4397% | 3,378 |
| Net loans and leases to core deposits | 73.5956% | 3,817 |
| Total domestic deposits to total assets | 84.5547% | 3,601 |
| Equity capital to assets | 9.4321% | 4,827 |
| Core capital (leverage) ratio | 9.2032% | 4,707 |
| Tier 1 risk-based capital ratio | 13.9828% | 4,037 |
| Total risk-based capital ratio | 14.9685% | 4,113 |
| Memoranda: | ||
| Average total assets | $139,727,000 | 3,814 |
| Average earning assets | $129,566,000 | 3,796 |
| Average equity | $13,182,000 | 4,208 |
| Average total loans | $88,086,000 | 3,695 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4014% | 2,217 |
| Cost of funding earning assets | 0.3330% | 4,459 |
| Net interest margin | 4.0684% | 1,686 |
| Noninterest income to average assets | 0.8673% | 1,618 |
| Noninterest expense to average assets | 3.8732% | 882 |
| Loan and lease loss provision to assets | 0.2969% | 693 |
| Net operating income to assets | 0.3765% | 5,301 |
| Return on assets (ROA) | 0.3746% | 5,376 |
| Pretax return on assets | 0.4480% | 5,391 |
| Return on Equity (ROE) | 4.0059% | 5,111 |
| Retained earnings to average equity (ytd only) | 1.2778% | 5,203 |
| Net charge-offs to loans | 0.6213% | 633 |
| Credit loss provision to net charge-offs | 75.0000% | 2,968 |
| Earnings coverage of net charge-offs (x) | 1.8870% | 4,315 |
| Efficiency ratio | 83.8305% | 1,431 |
| Assets per employee ($millions) | 2.8326% | 5,899 |
| Cash dividends to net income (ytd only)* | 68.1018% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 4,934 |
| Loan loss allowance to noncurrent loans | 77.5194% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.7457% | 1,519 |
| Noncurrent loans to loans | 1.3204% | 2,235 |
| Net loans and leases to total assets | 62.7021% | 3,407 |
| Net loans and leases to deposits | 75.3587% | 3,270 |
| Net loans and leases to core deposits | 75.8897% | 3,722 |
| Total domestic deposits to total assets | 83.2048% | 4,005 |
| Equity capital to assets | 9.4362% | 4,798 |
| Core capital (leverage) ratio | 9.2397% | 4,619 |
| Tier 1 risk-based capital ratio | 13.7753% | 4,251 |
| Total risk-based capital ratio | 14.7430% | 4,358 |
| Memoranda: | ||
| Average total assets | $136,397,600 | 3,869 |
| Average earning assets | $125,824,400 | 3,850 |
| Average equity | $12,756,200 | 4,235 |
| Average total loans | $86,917,000 | 3,703 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 2,091 |
| Cost of funding earning assets | 0.3406% | 4,453 |
| Net interest margin | 4.0960% | 1,588 |
| Noninterest income to average assets | 0.8512% | 1,691 |
| Noninterest expense to average assets | 3.9538% | 797 |
| Loan and lease loss provision to assets | 0.2995% | 657 |
| Net operating income to assets | 0.3127% | 5,545 |
| Return on assets (ROA) | 0.3103% | 5,625 |
| Pretax return on assets | 0.3731% | 5,640 |
| Return on Equity (ROE) | 3.3251% | 5,420 |
| Retained earnings to average equity (ytd only) | 0.5787% | 5,635 |
| Net charge-offs to loans | 0.5769% | 646 |
| Credit loss provision to net charge-offs | 81.3333% | 2,570 |
| Earnings coverage of net charge-offs (x) | 1.8347% | 4,068 |
| Efficiency ratio | 85.4083% | 1,242 |
| Assets per employee ($millions) | 2.8238% | 5,940 |
| Cash dividends to net income (ytd only)* | 82.5952% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 4,709 |
| Loan loss allowance to noncurrent loans | 68.3912% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.7323% | 1,728 |
| Noncurrent loans to loans | 1.6202% | 2,016 |
| Net loans and leases to total assets | 62.2417% | 3,449 |
| Net loans and leases to deposits | 74.6556% | 3,349 |
| Net loans and leases to core deposits | 76.3872% | 3,702 |
| Total domestic deposits to total assets | 83.3718% | 4,007 |
| Equity capital to assets | 9.2985% | 5,035 |
| Core capital (leverage) ratio | 9.2676% | 4,681 |
| Tier 1 risk-based capital ratio | 13.9630% | 4,246 |
| Total risk-based capital ratio | 15.0237% | 4,306 |
| Memoranda: | ||
| Average total assets | $135,798,000 | 3,903 |
| Average earning assets | $125,258,750 | 3,888 |
| Average equity | $12,671,000 | 4,279 |
| Average total loans | $86,664,250 | 3,736 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 2,367 |
| Cost of funding earning assets | 0.3510% | 4,427 |
| Net interest margin | 4.0030% | 1,794 |
| Noninterest income to average assets | 0.7455% | 2,068 |
| Noninterest expense to average assets | 3.9751% | 787 |
| Loan and lease loss provision to assets | 0.3024% | 647 |
| Net operating income to assets | 0.1527% | 5,948 |
| Return on assets (ROA) | 0.1482% | 5,989 |
| Pretax return on assets | 0.1482% | 6,027 |
| Return on Equity (ROE) | 1.5865% | 5,936 |
| Retained earnings to average equity (ytd only) | -1.1740% | 5,879 |
| Net charge-offs to loans | 0.6680% | 573 |
| Credit loss provision to net charge-offs | 70.5882% | 2,467 |
| Earnings coverage of net charge-offs (x) | 1.0623% | 3,896 |
| Efficiency ratio | 89.7290% | 939 |
| Assets per employee ($millions) | 2.8057% | 6,019 |
| Cash dividends to net income (ytd only)* | 174.0000% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 4,866 |
| Loan loss allowance to noncurrent loans | 40.5983% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 2.5859% | 1,063 |
| Noncurrent loans to loans | 2.7309% | 1,108 |
| Net loans and leases to total assets | 61.6372% | 3,460 |
| Net loans and leases to deposits | 73.5666% | 3,382 |
| Net loans and leases to core deposits | 75.2736% | 3,709 |
| Total domestic deposits to total assets | 83.7842% | 4,001 |
| Equity capital to assets | 9.2539% | 5,029 |
| Core capital (leverage) ratio | 9.2605% | 4,652 |
| Tier 1 risk-based capital ratio | 13.9089% | 4,318 |
| Total risk-based capital ratio | 14.9596% | 4,391 |
| Memoranda: | ||
| Average total assets | $134,941,670 | 3,940 |
| Average earning assets | $124,206,330 | 3,929 |
| Average equity | $12,606,000 | 4,300 |
| Average total loans | $86,523,330 | 3,756 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,248 |
| Cost of funding earning assets | 0.3617% | 4,422 |
| Net interest margin | 4.0141% | 1,714 |
| Noninterest income to average assets | 0.6434% | 2,497 |
| Noninterest expense to average assets | 3.9230% | 830 |
| Loan and lease loss provision to assets | 0.3262% | 559 |
| Net operating income to assets | 0.0808% | 6,068 |
| Return on assets (ROA) | 0.0479% | 6,156 |
| Pretax return on assets | 0.0479% | 6,160 |
| Return on Equity (ROE) | 0.5100% | 6,137 |
| Retained earnings to average equity (ytd only) | -2.2633% | 5,878 |
| Net charge-offs to loans | 0.8696% | 402 |
| Credit loss provision to net charge-offs | 57.6720% | 2,129 |
| Earnings coverage of net charge-offs (x) | 0.7196% | 3,276 |
| Efficiency ratio | 90.6012% | 980 |
| Assets per employee ($millions) | 2.7806% | 6,123 |
| Cash dividends to net income (ytd only)* | 543.7500% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,114 |
| Loan loss allowance to noncurrent loans | 36.6743% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 2.8213% | 1,052 |
| Noncurrent loans to loans | 3.0039% | 1,049 |
| Net loans and leases to total assets | 62.9228% | 3,086 |
| Net loans and leases to deposits | 75.1253% | 2,928 |
| Net loans and leases to core deposits | 76.7103% | 3,339 |
| Total domestic deposits to total assets | 83.7572% | 4,363 |
| Equity capital to assets | 9.2315% | 4,837 |
| Core capital (leverage) ratio | 9.4468% | 4,354 |
| Tier 1 risk-based capital ratio | 13.5915% | 4,609 |
| Total risk-based capital ratio | 14.6235% | 4,714 |
| Memoranda: | ||
| Average total assets | $133,674,000 | 3,997 |
| Average earning assets | $122,768,000 | 3,987 |
| Average equity | $12,548,000 | 4,332 |
| Average total loans | $86,941,500 | 3,771 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 1,892 |
| Cost of funding earning assets | 0.4180% | 4,451 |
| Net interest margin | 4.1775% | 1,428 |
| Noninterest income to average assets | 0.8701% | 1,784 |
| Noninterest expense to average assets | 3.9219% | 955 |
| Loan and lease loss provision to assets | 0.7026% | 326 |
| Net operating income to assets | 0.1273% | 5,983 |
| Return on assets (ROA) | 0.1667% | 5,966 |
| Pretax return on assets | 0.1310% | 6,045 |
| Return on Equity (ROE) | 1.7363% | 5,924 |
| Retained earnings to average equity (ytd only) | -1.7363% | 6,147 |
| Net charge-offs to loans | 1.2681% | 410 |
| Credit loss provision to net charge-offs | 81.4495% | 3,007 |
| Earnings coverage of net charge-offs (x) | 0.9206% | 4,777 |
| Efficiency ratio | 83.1597% | 1,731 |
| Assets per employee ($millions) | 2.6754% | 6,250 |
| Cash dividends to net income (ytd only)* | 200.0000% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 4,724 |
| Loan loss allowance to noncurrent loans | 41.6834% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 2.8399% | 1,136 |
| Noncurrent loans to loans | 2.8476% | 1,232 |
| Net loans and leases to total assets | 65.7223% | 2,737 |
| Net loans and leases to deposits | 78.6971% | 2,635 |
| Net loans and leases to core deposits | 80.4264% | 3,077 |
| Total domestic deposits to total assets | 83.5130% | 4,357 |
| Equity capital to assets | 9.5487% | 4,349 |
| Core capital (leverage) ratio | 9.5233% | 4,231 |
| Tier 1 risk-based capital ratio | 13.6346% | 4,562 |
| Total risk-based capital ratio | 14.7503% | 4,596 |
| Memoranda: | ||
| Average total assets | $134,349,200 | 3,990 |
| Average earning assets | $123,685,600 | 3,975 |
| Average equity | $12,901,200 | 4,286 |
| Average total loans | $91,399,200 | 3,656 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 1,879 |
| Cost of funding earning assets | 0.4258% | 4,545 |
| Net interest margin | 4.1813% | 1,392 |
| Noninterest income to average assets | 0.9016% | 1,750 |
| Noninterest expense to average assets | 3.8363% | 1,041 |
| Loan and lease loss provision to assets | 0.9036% | 195 |
| Net operating income to assets | 0.0523% | 6,219 |
| Return on assets (ROA) | 0.1046% | 6,193 |
| Pretax return on assets | 0.0691% | 6,240 |
| Return on Equity (ROE) | 1.0874% | 6,163 |
| Retained earnings to average equity (ytd only) | -2.6159% | 6,324 |
| Net charge-offs to loans | 1.4292% | 337 |
| Credit loss provision to net charge-offs | 92.4319% | 2,571 |
| Earnings coverage of net charge-offs (x) | 0.9415% | 4,537 |
| Efficiency ratio | 80.6512% | 2,015 |
| Assets per employee ($millions) | 2.7837% | 6,185 |
| Cash dividends to net income (ytd only)* | 340.5646% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 4,431 |
| Loan loss allowance to noncurrent loans | 45.9343% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 3.1104% | 1,177 |
| Noncurrent loans to loans | 2.8142% | 1,480 |
| Net loans and leases to total assets | 67.1479% | 2,436 |
| Net loans and leases to deposits | 80.6597% | 2,314 |
| Net loans and leases to core deposits | 82.6259% | 2,817 |
| Total domestic deposits to total assets | 83.2484% | 4,485 |
| Equity capital to assets | 9.3431% | 4,754 |
| Core capital (leverage) ratio | 9.3836% | 4,552 |
| Tier 1 risk-based capital ratio | 13.0712% | 5,077 |
| Total risk-based capital ratio | 14.2884% | 5,048 |
| Memoranda: | ||
| Average total assets | $135,162,250 | 4,010 |
| Average earning assets | $124,614,250 | 3,988 |
| Average equity | $12,997,000 | 4,310 |
| Average total loans | $92,450,250 | 3,660 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6186% | 1,790 |
| Cost of funding earning assets | 0.4336% | 4,621 |
| Net interest margin | 4.1850% | 1,316 |
| Noninterest income to average assets | 0.9154% | 1,763 |
| Noninterest expense to average assets | 3.8149% | 1,071 |
| Loan and lease loss provision to assets | 0.2329% | 1,602 |
| Net operating income to assets | 0.5414% | 4,598 |
| Return on assets (ROA) | 0.5985% | 4,473 |
| Pretax return on assets | 0.8152% | 4,253 |
| Return on Equity (ROE) | 6.1665% | 4,064 |
| Retained earnings to average equity (ytd only) | 2.0049% | 4,996 |
| Net charge-offs to loans | 0.2861% | 2,055 |
| Credit loss provision to net charge-offs | 118.7970% | 1,874 |
| Earnings coverage of net charge-offs (x) | 4.9474% | 2,996 |
| Efficiency ratio | 79.7289% | 2,198 |
| Assets per employee ($millions) | 2.8035% | 6,158 |
| Cash dividends to net income (ytd only)* | 67.4877% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 4,108 |
| Loan loss allowance to noncurrent loans | 61.0632% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 2.8446% | 1,447 |
| Noncurrent loans to loans | 2.2683% | 2,097 |
| Net loans and leases to total assets | 67.4568% | 2,345 |
| Net loans and leases to deposits | 82.3350% | 2,016 |
| Net loans and leases to core deposits | 84.3557% | 2,508 |
| Total domestic deposits to total assets | 81.9297% | 5,081 |
| Equity capital to assets | 9.7192% | 4,274 |
| Core capital (leverage) ratio | 9.5111% | 4,231 |
| Tier 1 risk-based capital ratio | 13.3878% | 4,848 |
| Total risk-based capital ratio | 14.6387% | 4,802 |
| Memoranda: | ||
| Average total assets | $135,677,330 | 4,033 |
| Average earning assets | $125,449,000 | 4,003 |
| Average equity | $13,168,000 | 4,307 |
| Average total loans | $92,968,330 | 3,657 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6306% | 1,742 |
| Cost of funding earning assets | 0.4377% | 4,727 |
| Net interest margin | 4.1929% | 1,209 |
| Noninterest income to average assets | 0.8779% | 1,839 |
| Noninterest expense to average assets | 3.8053% | 1,104 |
| Loan and lease loss provision to assets | 0.2701% | 1,310 |
| Net operating income to assets | 0.5001% | 4,659 |
| Return on assets (ROA) | 0.6137% | 4,307 |
| Pretax return on assets | 0.8397% | 4,002 |
| Return on Equity (ROE) | 6.3273% | 3,866 |
| Retained earnings to average equity (ytd only) | 0.6660% | 5,561 |
| Net charge-offs to loans | 0.5009% | 1,204 |
| Credit loss provision to net charge-offs | 78.6325% | 2,174 |
| Earnings coverage of net charge-offs (x) | 2.7778% | 2,941 |
| Efficiency ratio | 79.9506% | 2,338 |
| Assets per employee ($millions) | 2.8586% | 6,202 |
| Cash dividends to net income (ytd only)* | 89.4737% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,563 |
| Loan loss allowance to noncurrent loans | 88.3201% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 2.4087% | 1,930 |
| Noncurrent loans to loans | 1.5042% | 3,297 |
| Net loans and leases to total assets | 66.3100% | 2,315 |
| Net loans and leases to deposits | 80.7530% | 1,978 |
| Net loans and leases to core deposits | 82.6875% | 2,493 |
| Total domestic deposits to total assets | 82.1147% | 5,156 |
| Equity capital to assets | 9.6150% | 4,684 |
| Core capital (leverage) ratio | 9.5090% | 4,065 |
| Tier 1 risk-based capital ratio | 13.3220% | 4,992 |
| Total risk-based capital ratio | 14.5720% | 4,947 |
| Memoranda: | ||
| Average total assets | $136,231,500 | 4,059 |
| Average earning assets | $126,118,500 | 4,017 |
| Average equity | $13,212,500 | 4,347 |
| Average total loans | $93,427,000 | 3,666 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 1,591 |
| Cost of funding earning assets | 0.4935% | 5,264 |
| Net interest margin | 4.4944% | 956 |
| Noninterest income to average assets | 0.9187% | 1,800 |
| Noninterest expense to average assets | 4.0768% | 893 |
| Loan and lease loss provision to assets | 0.3178% | 2,151 |
| Net operating income to assets | 0.5148% | 4,620 |
| Return on assets (ROA) | 0.5497% | 4,735 |
| Pretax return on assets | 0.7191% | 4,599 |
| Return on Equity (ROE) | 5.6979% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.6979% | 2,256 |
| Net charge-offs to loans | 0.6190% | 1,895 |
| Credit loss provision to net charge-offs | 73.7762% | 4,046 |
| Earnings coverage of net charge-offs (x) | 2.3007% | 4,267 |
| Efficiency ratio | 80.4458% | 2,092 |
| Assets per employee ($millions) | 2.7050% | 6,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 4,527 |
| Loan loss allowance to noncurrent loans | 74.4048% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 2.5050% | 1,945 |
| Noncurrent loans to loans | 1.7751% | 2,960 |
| Net loans and leases to total assets | 69.0521% | 2,021 |
| Net loans and leases to deposits | 84.3422% | 1,717 |
| Net loans and leases to core deposits | 86.1957% | 2,294 |
| Total domestic deposits to total assets | 81.8713% | 5,142 |
| Equity capital to assets | 9.7834% | 4,476 |
| Core capital (leverage) ratio | 9.5605% | 4,021 |
| Tier 1 risk-based capital ratio | 13.1899% | 4,972 |
| Total risk-based capital ratio | 14.4400% | 4,913 |
| Memoranda: | ||
| Average total assets | $132,799,200 | 4,090 |
| Average earning assets | $122,595,800 | 4,050 |
| Average equity | $12,811,800 | 4,401 |
| Average total loans | $92,409,400 | 3,689 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0206% | 1,642 |
| Cost of funding earning assets | 0.5029% | 5,417 |
| Net interest margin | 4.5176% | 957 |
| Noninterest income to average assets | 0.8977% | 1,834 |
| Noninterest expense to average assets | 4.0780% | 854 |
| Loan and lease loss provision to assets | 0.2905% | 2,256 |
| Net operating income to assets | 0.5133% | 4,794 |
| Return on assets (ROA) | 0.5588% | 4,837 |
| Pretax return on assets | 0.7585% | 4,638 |
| Return on Equity (ROE) | 5.8131% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.8131% | 2,824 |
| Net charge-offs to loans | 0.5632% | 1,924 |
| Credit loss provision to net charge-offs | 74.2268% | 3,790 |
| Earnings coverage of net charge-offs (x) | 2.5232% | 4,034 |
| Efficiency ratio | 80.5058% | 2,015 |
| Assets per employee ($millions) | 2.6760% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 4,408 |
| Loan loss allowance to noncurrent loans | 78.1720% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 2.7116% | 1,948 |
| Noncurrent loans to loans | 1.7813% | 3,106 |
| Net loans and leases to total assets | 68.8030% | 2,150 |
| Net loans and leases to deposits | 83.4840% | 1,930 |
| Net loans and leases to core deposits | 85.3225% | 2,544 |
| Total domestic deposits to total assets | 82.4145% | 4,866 |
| Equity capital to assets | 9.7924% | 4,793 |
| Core capital (leverage) ratio | 9.4872% | 4,289 |
| Tier 1 risk-based capital ratio | 13.1992% | 5,094 |
| Total risk-based capital ratio | 14.4509% | 5,060 |
| Memoranda: | ||
| Average total assets | $132,186,500 | 4,130 |
| Average earning assets | $121,948,750 | 4,105 |
| Average equity | $12,706,750 | 4,463 |
| Average total loans | $91,851,000 | 3,738 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0312% | 1,706 |
| Cost of funding earning assets | 0.5191% | 5,487 |
| Net interest margin | 4.5121% | 972 |
| Noninterest income to average assets | 0.8082% | 2,146 |
| Noninterest expense to average assets | 4.0714% | 863 |
| Loan and lease loss provision to assets | 0.2446% | 2,616 |
| Net operating income to assets | 0.4696% | 4,957 |
| Return on assets (ROA) | 0.5363% | 4,922 |
| Pretax return on assets | 0.7444% | 4,681 |
| Return on Equity (ROE) | 5.6143% | 4,520 |
| Retained earnings to average equity (ytd only) | 5.6143% | 2,921 |
| Net charge-offs to loans | 0.5714% | 1,885 |
| Credit loss provision to net charge-offs | 61.6858% | 3,751 |
| Earnings coverage of net charge-offs (x) | 2.2605% | 3,866 |
| Efficiency ratio | 81.9572% | 1,884 |
| Assets per employee ($millions) | 2.6825% | 6,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 4,350 |
| Loan loss allowance to noncurrent loans | 76.4256% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 3.2201% | 1,692 |
| Noncurrent loans to loans | 1.8692% | 3,118 |
| Net loans and leases to total assets | 66.8774% | 2,489 |
| Net loans and leases to deposits | 80.8793% | 2,251 |
| Net loans and leases to core deposits | 82.6462% | 2,875 |
| Total domestic deposits to total assets | 82.6879% | 4,880 |
| Equity capital to assets | 9.5537% | 4,980 |
| Core capital (leverage) ratio | 9.3727% | 4,334 |
| Tier 1 risk-based capital ratio | 13.1347% | 5,090 |
| Total risk-based capital ratio | 14.3866% | 5,059 |
| Memoranda: | ||
| Average total assets | $131,649,330 | 4,169 |
| Average earning assets | $121,362,670 | 4,142 |
| Average equity | $12,575,000 | 4,484 |
| Average total loans | $91,349,000 | 3,770 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 1,610 |
| Cost of funding earning assets | 0.5351% | 5,583 |
| Net interest margin | 4.5532% | 907 |
| Noninterest income to average assets | 0.7883% | 2,220 |
| Noninterest expense to average assets | 4.0365% | 896 |
| Loan and lease loss provision to assets | 0.2331% | 2,617 |
| Net operating income to assets | 0.5092% | 4,788 |
| Return on assets (ROA) | 0.5092% | 5,000 |
| Pretax return on assets | 0.7208% | 4,726 |
| Return on Equity (ROE) | 5.3310% | 4,626 |
| Retained earnings to average equity (ytd only) | 5.3310% | 3,359 |
| Net charge-offs to loans | 0.3322% | 2,325 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 4.0921% | 2,664 |
| Efficiency ratio | 80.8851% | 2,094 |
| Assets per employee ($millions) | 2.6550% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 4,036 |
| Loan loss allowance to noncurrent loans | 62.0567% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 3.5970% | 1,583 |
| Noncurrent loans to loans | 2.4594% | 2,652 |
| Net loans and leases to total assets | 68.0437% | 2,108 |
| Net loans and leases to deposits | 82.0060% | 1,938 |
| Net loans and leases to core deposits | 83.3861% | 2,625 |
| Total domestic deposits to total assets | 82.9740% | 4,936 |
| Equity capital to assets | 9.4177% | 4,927 |
| Core capital (leverage) ratio | 9.3980% | 4,197 |
| Tier 1 risk-based capital ratio | 12.9961% | 5,223 |
| Total risk-based capital ratio | 14.2494% | 5,191 |
| Memoranda: | ||
| Average total assets | $130,411,000 | 4,221 |
| Average earning assets | $120,356,000 | 4,186 |
| Average equity | $12,455,500 | 4,518 |
| Average total loans | $91,523,500 | 3,789 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2960% | 1,714 |
| Cost of funding earning assets | 0.7556% | 5,169 |
| Net interest margin | 4.5404% | 1,042 |
| Noninterest income to average assets | 0.7781% | 2,176 |
| Noninterest expense to average assets | 4.0318% | 996 |
| Loan and lease loss provision to assets | 0.2825% | 3,408 |
| Net operating income to assets | 0.4121% | 4,805 |
| Return on assets (ROA) | 0.4686% | 4,752 |
| Pretax return on assets | 0.6832% | 4,395 |
| Return on Equity (ROE) | 5.0887% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.0887% | 2,569 |
| Net charge-offs to loans | 0.2095% | 4,486 |
| Credit loss provision to net charge-offs | 191.6230% | 1,333 |
| Earnings coverage of net charge-offs (x) | 5.9948% | 2,625 |
| Efficiency ratio | 82.0195% | 2,024 |
| Assets per employee ($millions) | 2.5112% | 6,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 3,868 |
| Loan loss allowance to noncurrent loans | 60.8960% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 3.3708% | 1,757 |
| Noncurrent loans to loans | 2.5175% | 2,615 |
| Net loans and leases to total assets | 70.2097% | 1,996 |
| Net loans and leases to deposits | 84.9984% | 1,806 |
| Net loans and leases to core deposits | 86.4864% | 2,573 |
| Total domestic deposits to total assets | 82.6012% | 4,923 |
| Equity capital to assets | 9.6891% | 4,615 |
| Core capital (leverage) ratio | 9.4545% | 4,102 |
| Tier 1 risk-based capital ratio | 13.2601% | 4,868 |
| Total risk-based capital ratio | 14.5138% | 4,846 |
| Memoranda: | ||
| Average total assets | $129,545,400 | 4,179 |
| Average earning assets | $118,052,400 | 4,182 |
| Average equity | $11,928,400 | 4,569 |
| Average total loans | $91,169,600 | 3,825 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3366% | 1,732 |
| Cost of funding earning assets | 0.8132% | 5,064 |
| Net interest margin | 4.5234% | 1,092 |
| Noninterest income to average assets | 0.8036% | 2,039 |
| Noninterest expense to average assets | 3.9595% | 1,051 |
| Loan and lease loss provision to assets | 0.3099% | 3,047 |
| Net operating income to assets | 0.4290% | 4,861 |
| Return on assets (ROA) | 0.5008% | 4,730 |
| Pretax return on assets | 0.7533% | 4,302 |
| Return on Equity (ROE) | 5.5101% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.5101% | 2,856 |
| Net charge-offs to loans | 0.2224% | 4,042 |
| Credit loss provision to net charge-offs | 198.6842% | 1,476 |
| Earnings coverage of net charge-offs (x) | 6.1185% | 2,616 |
| Efficiency ratio | 80.5764% | 2,176 |
| Assets per employee ($millions) | 2.5177% | 6,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 4,055 |
| Loan loss allowance to noncurrent loans | 61.8534% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 3.1993% | 1,996 |
| Noncurrent loans to loans | 2.4388% | 2,835 |
| Net loans and leases to total assets | 69.9179% | 2,100 |
| Net loans and leases to deposits | 84.5555% | 1,909 |
| Net loans and leases to core deposits | 86.0253% | 2,768 |
| Total domestic deposits to total assets | 82.6887% | 4,803 |
| Equity capital to assets | 9.5528% | 5,006 |
| Core capital (leverage) ratio | 9.3333% | 4,409 |
| Tier 1 risk-based capital ratio | 12.7870% | 5,261 |
| Total risk-based capital ratio | 14.0399% | 5,243 |
| Memoranda: | ||
| Average total assets | $129,913,750 | 4,198 |
| Average earning assets | $118,050,250 | 4,202 |
| Average equity | $11,808,250 | 4,620 |
| Average total loans | $91,132,250 | 3,862 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3372% | 1,754 |
| Cost of funding earning assets | 0.8654% | 4,947 |
| Net interest margin | 4.4718% | 1,196 |
| Noninterest income to average assets | 0.7928% | 2,056 |
| Noninterest expense to average assets | 3.9274% | 1,146 |
| Loan and lease loss provision to assets | 0.3466% | 2,703 |
| Net operating income to assets | 0.3896% | 4,996 |
| Return on assets (ROA) | 0.4969% | 4,655 |
| Pretax return on assets | 0.7545% | 4,199 |
| Return on Equity (ROE) | 5.5595% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.5595% | 2,658 |
| Net charge-offs to loans | 0.2217% | 3,797 |
| Credit loss provision to net charge-offs | 223.7624% | 1,340 |
| Earnings coverage of net charge-offs (x) | 6.0594% | 2,480 |
| Efficiency ratio | 80.7123% | 2,281 |
| Assets per employee ($millions) | 2.6378% | 6,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 4,106 |
| Loan loss allowance to noncurrent loans | 62.9664% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 3.1358% | 2,141 |
| Noncurrent loans to loans | 2.3929% | 2,997 |
| Net loans and leases to total assets | 68.2780% | 2,563 |
| Net loans and leases to deposits | 82.8421% | 2,308 |
| Net loans and leases to core deposits | 85.7221% | 2,950 |
| Total domestic deposits to total assets | 82.4195% | 5,017 |
| Equity capital to assets | 9.2053% | 5,279 |
| Core capital (leverage) ratio | 9.2014% | 4,400 |
| Tier 1 risk-based capital ratio | 12.8787% | 5,021 |
| Total risk-based capital ratio | 14.1309% | 4,987 |
| Memoranda: | ||
| Average total assets | $130,417,670 | 4,225 |
| Average earning assets | $118,788,670 | 4,213 |
| Average equity | $11,655,670 | 4,653 |
| Average total loans | $91,126,000 | 3,919 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3029% | 1,857 |
| Cost of funding earning assets | 0.9593% | 4,501 |
| Net interest margin | 4.3436% | 1,438 |
| Noninterest income to average assets | 0.7878% | 2,080 |
| Noninterest expense to average assets | 3.8320% | 1,287 |
| Loan and lease loss provision to assets | 0.3725% | 2,323 |
| Net operating income to assets | 0.3664% | 5,091 |
| Return on assets (ROA) | 0.3664% | 5,175 |
| Pretax return on assets | 0.5649% | 4,817 |
| Return on Equity (ROE) | 4.1614% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.1614% | 3,677 |
| Net charge-offs to loans | 0.3570% | 2,634 |
| Credit loss provision to net charge-offs | 148.7805% | 1,922 |
| Earnings coverage of net charge-offs (x) | 3.7439% | 2,645 |
| Efficiency ratio | 80.3457% | 2,466 |
| Assets per employee ($millions) | 2.6701% | 6,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 4,747 |
| Loan loss allowance to noncurrent loans | 73.1637% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 3.1108% | 2,219 |
| Noncurrent loans to loans | 1.8911% | 3,707 |
| Net loans and leases to total assets | 68.9146% | 2,345 |
| Net loans and leases to deposits | 83.3538% | 2,128 |
| Net loans and leases to core deposits | 86.5629% | 2,793 |
| Total domestic deposits to total assets | 82.6772% | 5,031 |
| Equity capital to assets | 8.8854% | 5,371 |
| Core capital (leverage) ratio | 8.8860% | 4,795 |
| Tier 1 risk-based capital ratio | 12.3005% | 5,437 |
| Total risk-based capital ratio | 13.5512% | 5,427 |
| Memoranda: | ||
| Average total assets | $131,001,000 | 4,233 |
| Average earning assets | $120,085,500 | 4,219 |
| Average equity | $11,534,500 | 4,656 |
| Average total loans | $91,889,000 | 3,932 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5941% | 1,913 |
| Cost of funding earning assets | 1.4573% | 2,913 |
| Net interest margin | 4.1369% | 2,421 |
| Noninterest income to average assets | 0.7800% | 2,378 |
| Noninterest expense to average assets | 3.7696% | 1,542 |
| Loan and lease loss provision to assets | 0.5816% | 2,809 |
| Net operating income to assets | 0.1406% | 5,470 |
| Return on assets (ROA) | 0.2497% | 5,262 |
| Pretax return on assets | 0.3983% | 4,949 |
| Return on Equity (ROE) | 2.8762% | 5,004 |
| Retained earnings to average equity (ytd only) | 2.8762% | 3,839 |
| Net charge-offs to loans | 0.9288% | 2,327 |
| Credit loss provision to net charge-offs | 86.0491% | 5,286 |
| Earnings coverage of net charge-offs (x) | 1.1975% | 4,914 |
| Efficiency ratio | 82.3229% | 2,122 |
| Assets per employee ($millions) | 2.9149% | 6,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 4,868 |
| Loan loss allowance to noncurrent loans | 95.6284% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 2.7804% | 2,514 |
| Noncurrent loans to loans | 1.3871% | 4,405 |
| Net loans and leases to total assets | 69.4714% | 2,672 |
| Net loans and leases to deposits | 82.8198% | 2,657 |
| Net loans and leases to core deposits | 85.8261% | 3,342 |
| Total domestic deposits to total assets | 83.8826% | 4,406 |
| Equity capital to assets | 8.7246% | 5,548 |
| Core capital (leverage) ratio | 8.6267% | 5,146 |
| Tier 1 risk-based capital ratio | 12.1729% | 5,311 |
| Total risk-based capital ratio | 13.4234% | 5,294 |
| Memoranda: | ||
| Average total assets | $132,560,600 | 4,208 |
| Average earning assets | $121,734,800 | 4,193 |
| Average equity | $11,508,400 | 4,734 |
| Average total loans | $96,469,000 | 3,886 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6552% | 1,868 |
| Cost of funding earning assets | 1.5517% | 2,665 |
| Net interest margin | 4.1035% | 2,606 |
| Noninterest income to average assets | 0.7403% | 2,575 |
| Noninterest expense to average assets | 3.7328% | 1,506 |
| Loan and lease loss provision to assets | 0.3140% | 4,065 |
| Net operating income to assets | 0.3561% | 4,947 |
| Return on assets (ROA) | 0.3561% | 5,123 |
| Pretax return on assets | 0.4554% | 5,060 |
| Return on Equity (ROE) | 4.1071% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.1071% | 3,586 |
| Net charge-offs to loans | 0.8041% | 2,440 |
| Credit loss provision to net charge-offs | 53.2313% | 5,840 |
| Earnings coverage of net charge-offs (x) | 1.3044% | 4,772 |
| Efficiency ratio | 82.9100% | 1,960 |
| Assets per employee ($millions) | 2.9760% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,777 |
| Loan loss allowance to noncurrent loans | 71.1449% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 3.1459% | 2,287 |
| Noncurrent loans to loans | 1.5968% | 4,250 |
| Net loans and leases to total assets | 69.8546% | 2,764 |
| Net loans and leases to deposits | 82.8859% | 2,934 |
| Net loans and leases to core deposits | 86.2769% | 3,611 |
| Total domestic deposits to total assets | 84.2780% | 3,969 |
| Equity capital to assets | 8.8448% | 5,788 |
| Core capital (leverage) ratio | 8.6048% | 5,337 |
| Tier 1 risk-based capital ratio | 11.8894% | 5,563 |
| Total risk-based capital ratio | 12.9951% | 5,661 |
| Memoranda: | ||
| Average total assets | $132,908,500 | 4,252 |
| Average earning assets | $121,843,750 | 4,246 |
| Average equity | $11,524,500 | 4,798 |
| Average total loans | $97,498,750 | 3,931 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7191% | 1,694 |
| Cost of funding earning assets | 1.6352% | 2,454 |
| Net interest margin | 4.0839% | 2,633 |
| Noninterest income to average assets | 0.7272% | 2,536 |
| Noninterest expense to average assets | 3.7157% | 1,527 |
| Loan and lease loss provision to assets | 0.2972% | 4,012 |
| Net operating income to assets | 0.3832% | 4,836 |
| Return on assets (ROA) | 0.3832% | 4,997 |
| Pretax return on assets | 0.4556% | 5,047 |
| Return on Equity (ROE) | 4.4492% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.4492% | 3,237 |
| Net charge-offs to loans | 0.9080% | 2,019 |
| Credit loss provision to net charge-offs | 44.0716% | 5,537 |
| Earnings coverage of net charge-offs (x) | 1.1163% | 4,676 |
| Efficiency ratio | 83.1533% | 2,021 |
| Assets per employee ($millions) | 3.0222% | 6,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,794 |
| Loan loss allowance to noncurrent loans | 76.3889% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 2.7596% | 2,622 |
| Noncurrent loans to loans | 1.4798% | 4,482 |
| Net loans and leases to total assets | 70.7435% | 2,729 |
| Net loans and leases to deposits | 85.0745% | 2,688 |
| Net loans and leases to core deposits | 89.0025% | 3,410 |
| Total domestic deposits to total assets | 83.1548% | 4,502 |
| Equity capital to assets | 8.5436% | 6,110 |
| Core capital (leverage) ratio | 8.4590% | 5,482 |
| Tier 1 risk-based capital ratio | 11.4838% | 5,785 |
| Total risk-based capital ratio | 12.5863% | 5,896 |
| Memoranda: | ||
| Average total assets | $132,571,000 | 4,287 |
| Average earning assets | $121,452,330 | 4,283 |
| Average equity | $11,417,670 | 4,824 |
| Average total loans | $98,456,670 | 3,945 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7404% | 1,636 |
| Cost of funding earning assets | 1.6778% | 2,494 |
| Net interest margin | 4.0626% | 2,601 |
| Noninterest income to average assets | 0.6847% | 2,702 |
| Noninterest expense to average assets | 3.7262% | 1,463 |
| Loan and lease loss provision to assets | 0.1834% | 4,677 |
| Net operating income to assets | 0.4983% | 4,395 |
| Return on assets (ROA) | 0.4983% | 4,535 |
| Pretax return on assets | 0.4983% | 4,966 |
| Return on Equity (ROE) | 5.7612% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.7612% | 2,735 |
| Net charge-offs to loans | 0.9492% | 1,705 |
| Credit loss provision to net charge-offs | 25.5319% | 4,886 |
| Earnings coverage of net charge-offs (x) | 0.9489% | 4,199 |
| Efficiency ratio | 84.5354% | 1,976 |
| Assets per employee ($millions) | 2.9781% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 5,452 |
| Loan loss allowance to noncurrent loans | 82.3406% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 3.3757% | 2,100 |
| Noncurrent loans to loans | 1.4696% | 4,538 |
| Net loans and leases to total assets | 71.5793% | 2,555 |
| Net loans and leases to deposits | 86.0610% | 2,578 |
| Net loans and leases to core deposits | 90.0622% | 3,356 |
| Total domestic deposits to total assets | 83.1728% | 4,536 |
| Equity capital to assets | 8.5080% | 5,993 |
| Core capital (leverage) ratio | 8.6805% | 5,048 |
| Tier 1 risk-based capital ratio | 11.4169% | 5,747 |
| Total risk-based capital ratio | 12.5970% | 5,788 |
| Memoranda: | ||
| Average total assets | $130,858,000 | 4,390 |
| Average earning assets | $119,922,500 | 4,376 |
| Average equity | $11,317,000 | 4,895 |
| Average total loans | $99,030,500 | 3,983 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0572% | 1,653 |
| Cost of funding earning assets | 2.1735% | 2,145 |
| Net interest margin | 3.8837% | 3,333 |
| Noninterest income to average assets | 0.7235% | 2,831 |
| Noninterest expense to average assets | 3.6916% | 1,928 |
| Loan and lease loss provision to assets | 0.5413% | 3,661 |
| Net operating income to assets | 0.1753% | 4,979 |
| Return on assets (ROA) | 0.2255% | 4,885 |
| Pretax return on assets | 0.1459% | 5,120 |
| Return on Equity (ROE) | 2.6951% | 4,626 |
| Retained earnings to average equity (ytd only) | 1.9659% | 3,726 |
| Net charge-offs to loans | 0.4417% | 4,031 |
| Credit loss provision to net charge-offs | 155.4324% | 2,922 |
| Earnings coverage of net charge-offs (x) | 1.8293% | 4,353 |
| Efficiency ratio | 85.2836% | 2,192 |
| Assets per employee ($millions) | 2.8378% | 6,590 |
| Cash dividends to net income (ytd only)* | 27.0548% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 4,551 |
| Loan loss allowance to noncurrent loans | 45.8560% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 3.0697% | 2,267 |
| Noncurrent loans to loans | 2.9160% | 2,644 |
| Net loans and leases to total assets | 78.0017% | 1,381 |
| Net loans and leases to deposits | 95.1067% | 1,444 |
| Net loans and leases to core deposits | 123.4618% | 1,678 |
| Total domestic deposits to total assets | 82.0150% | 4,942 |
| Equity capital to assets | 8.7955% | 5,448 |
| Core capital (leverage) ratio | 8.7160% | 4,898 |
| Tier 1 risk-based capital ratio | 11.1249% | 5,802 |
| Total risk-based capital ratio | 12.3760% | 5,751 |
| Memoranda: | ||
| Average total assets | $129,508,800 | 4,342 |
| Average earning assets | $120,220,800 | 4,312 |
| Average equity | $10,834,600 | 5,066 |
| Average total loans | $102,107,200 | 3,894 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0266% | 1,927 |
| Cost of funding earning assets | 2.2717% | 2,104 |
| Net interest margin | 3.7549% | 3,838 |
| Noninterest income to average assets | 0.6022% | 3,683 |
| Noninterest expense to average assets | 3.7108% | 1,799 |
| Loan and lease loss provision to assets | 0.4955% | 3,418 |
| Net operating income to assets | 0.0189% | 5,668 |
| Return on assets (ROA) | 0.0616% | 5,614 |
| Pretax return on assets | -0.0441% | 5,777 |
| Return on Equity (ROE) | 0.7452% | 5,568 |
| Retained earnings to average equity (ytd only) | -0.2360% | 5,272 |
| Net charge-offs to loans | 0.3034% | 4,134 |
| Credit loss provision to net charge-offs | 207.2961% | 2,138 |
| Earnings coverage of net charge-offs (x) | 1.6094% | 4,591 |
| Efficiency ratio | 90.6062% | 1,633 |
| Assets per employee ($millions) | 2.9216% | 6,353 |
| Cash dividends to net income (ytd only)* | 131.6625% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 4,419 |
| Loan loss allowance to noncurrent loans | 38.2545% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 3.0331% | 2,284 |
| Noncurrent loans to loans | 3.4321% | 2,182 |
| Net loans and leases to total assets | 78.9358% | 1,404 |
| Net loans and leases to deposits | 95.6291% | 1,628 |
| Net loans and leases to core deposits | 123.2878% | 1,970 |
| Total domestic deposits to total assets | 82.5438% | 4,421 |
| Equity capital to assets | 8.5632% | 6,164 |
| Core capital (leverage) ratio | 8.5565% | 5,384 |
| Tier 1 risk-based capital ratio | 11.1184% | 5,838 |
| Total risk-based capital ratio | 12.3699% | 5,789 |
| Memoranda: | ||
| Average total assets | $129,960,750 | 4,375 |
| Average earning assets | $120,906,000 | 4,322 |
| Average equity | $10,735,250 | 5,132 |
| Average total loans | $102,394,250 | 3,929 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9852% | 2,242 |
| Cost of funding earning assets | 2.3723% | 2,070 |
| Net interest margin | 3.6129% | 4,312 |
| Noninterest income to average assets | 0.5397% | 4,113 |
| Noninterest expense to average assets | 3.6494% | 1,947 |
| Loan and lease loss provision to assets | 0.6747% | 2,408 |
| Net operating income to assets | -0.2371% | 6,239 |
| Return on assets (ROA) | -0.1733% | 6,161 |
| Pretax return on assets | -0.3312% | 6,263 |
| Return on Equity (ROE) | -2.1232% | 6,242 |
| Retained earnings to average equity (ytd only) | -3.6076% | 6,069 |
| Net charge-offs to loans | 0.4694% | 2,953 |
| Credit loss provision to net charge-offs | 183.3333% | 2,503 |
| Earnings coverage of net charge-offs (x) | 0.6625% | 5,041 |
| Efficiency ratio | 93.7377% | 1,518 |
| Assets per employee ($millions) | 2.9286% | 6,317 |
| Cash dividends to net income (ytd only)* | -69.9115% | 8,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 4,434 |
| Loan loss allowance to noncurrent loans | 40.0616% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 3.1647% | 1,983 |
| Noncurrent loans to loans | 3.1806% | 2,244 |
| Net loans and leases to total assets | 78.1662% | 1,707 |
| Net loans and leases to deposits | 92.5875% | 2,351 |
| Net loans and leases to core deposits | 120.7835% | 2,292 |
| Total domestic deposits to total assets | 84.4242% | 3,540 |
| Equity capital to assets | 8.2873% | 6,351 |
| Core capital (leverage) ratio | 8.2117% | 5,966 |
| Tier 1 risk-based capital ratio | 10.9346% | 5,952 |
| Total risk-based capital ratio | 12.1851% | 5,889 |
| Memoranda: | ||
| Average total assets | $130,431,000 | 4,379 |
| Average earning assets | $121,064,670 | 4,343 |
| Average equity | $10,644,330 | 5,175 |
| Average total loans | $102,251,670 | 3,960 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9068% | 2,763 |
| Cost of funding earning assets | 2.4206% | 2,205 |
| Net interest margin | 3.4862% | 4,783 |
| Noninterest income to average assets | 0.4085% | 5,147 |
| Noninterest expense to average assets | 3.9111% | 1,296 |
| Loan and lease loss provision to assets | 1.0944% | 1,200 |
| Net operating income to assets | -0.8728% | 7,170 |
| Return on assets (ROA) | -0.5548% | 6,978 |
| Pretax return on assets | -0.8688% | 7,076 |
| Return on Equity (ROE) | -6.8505% | 7,132 |
| Retained earnings to average equity (ytd only) | -9.8240% | 7,092 |
| Net charge-offs to loans | 0.0352% | 5,021 |
| Credit loss provision to net charge-offs | 3,988.8889% | 181 |
| Earnings coverage of net charge-offs (x) | -9.8889% | 5,619 |
| Efficiency ratio | 107.4539% | 885 |
| Assets per employee ($millions) | 3.0052% | 6,138 |
| Cash dividends to net income (ytd only)* | -43.4066% | 8,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 3,413 |
| Loan loss allowance to noncurrent loans | 35.7848% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 3.5249% | 1,524 |
| Noncurrent loans to loans | 3.9574% | 1,527 |
| Net loans and leases to total assets | 76.3367% | 2,198 |
| Net loans and leases to deposits | 91.0797% | 2,761 |
| Net loans and leases to core deposits | 119.1117% | 2,498 |
| Total domestic deposits to total assets | 83.8131% | 3,795 |
| Equity capital to assets | 8.2062% | 6,528 |
| Core capital (leverage) ratio | 8.2109% | 6,077 |
| Tier 1 risk-based capital ratio | 10.7695% | 6,122 |
| Total risk-based capital ratio | 12.0221% | 6,027 |
| Memoranda: | ||
| Average total assets | $131,216,500 | 4,389 |
| Average earning assets | $121,622,500 | 4,342 |
| Average equity | $10,627,000 | 5,207 |
| Average total loans | $102,365,000 | 3,968 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8622% | 1,510 |
| Cost of funding earning assets | 3.1290% | 1,418 |
| Net interest margin | 3.7332% | 4,308 |
| Noninterest income to average assets | 0.8423% | 2,282 |
| Noninterest expense to average assets | 3.8235% | 1,709 |
| Loan and lease loss provision to assets | 0.4788% | 2,907 |
| Net operating income to assets | 0.0212% | 6,309 |
| Return on assets (ROA) | 0.0212% | 6,164 |
| Pretax return on assets | 0.0286% | 6,099 |
| Return on Equity (ROE) | 0.2685% | 6,146 |
| Retained earnings to average equity (ytd only) | -2.8706% | 6,073 |
| Net charge-offs to loans | 0.4239% | 2,699 |
| Credit loss provision to net charge-offs | 142.5791% | 3,715 |
| Earnings coverage of net charge-offs (x) | 1.5109% | 5,347 |
| Efficiency ratio | 88.2852% | 1,657 |
| Assets per employee ($millions) | 2.7126% | 6,756 |
| Cash dividends to net income (ytd only)* | 1,169.2308% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 5,458 |
| Loan loss allowance to noncurrent loans | 37.4659% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 2.3870% | 2,036 |
| Noncurrent loans to loans | 2.8689% | 1,883 |
| Net loans and leases to total assets | 77.7555% | 2,203 |
| Net loans and leases to deposits | 92.3495% | 3,074 |
| Net loans and leases to core deposits | 119.1578% | 2,776 |
| Total domestic deposits to total assets | 84.1970% | 3,220 |
| Equity capital to assets | 7.9898% | 6,855 |
| Core capital (leverage) ratio | 7.8582% | 6,716 |
| Tier 1 risk-based capital ratio | 10.4506% | 6,262 |
| Total risk-based capital ratio | 11.5732% | 6,268 |
| Memoranda: | ||
| Average total assets | $122,401,000 | 4,462 |
| Average earning assets | $114,380,200 | 4,405 |
| Average equity | $9,684,400 | 5,512 |
| Average total loans | $96,962,400 | 4,035 |